WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/18, I made a payment of {$1000.00} to my Personal Line of Credit at Wells Fargo, intending to pay down the loan. On XX/XX/18, while attempting to make a transfer on Wells Fargo 's website, I accidentally transferred {$1900.00} into my Personal Line of Credit. This was not intended to be placed there and I called Wells Fargo as soon as I noticed this didn't go to the correct account. Wells Fargo reversed the payment on XX/XX/18. Also on XX/XX/18, Wells Fargo lowered the limit to {$400.00} ... leaving {$370.00} of available credit prior to refunding the accidental payment. When they refunded the overpayment, the balance shot up to {$1900.00}. I feel that if my overpayment were not considered, my line of credit would have been reduced to the balance on the account or around that amount and not to {$400.00} which resulted in my utilization on the account being 492 %. I have spoken with numerous departments at Wells Fargo who have refused to assist me and don't seem to grasp the issue.
Good Night, My name is XXXX XXXX. I am financing a XX/XX/XXXX ford XXXX with XXXX XXXX in XXXX Fl. The branch in XXXX recently closed down so we have been dealing with the francise in XXXX for payments. On XX/XX/XXXX called to make my biweekly payment. My sister and I typically split the bill in half. XXXX was the agent I was dealing with that evening. I asked her to verify if a card was in their system as she verified I realized she was asking if I wanted a confirmation email. She had already charged the full amount to the account and on a card that I did not verify. When I told her that her response was rude. She immediately began to blame me for being at fault. She was very unprofessional and unapologetic. She even hung up the phone on my sister and I when we called back to find out what she could do to fix this inconvenient error. We then called back and spoke to XXXX hoping he would provide insight on how to file a complaint and get in touch with headquarters so that the recorded phone call could be reviewed. He told me that he had no contact info and that they were corporate. He started telling me that he heard what happened and that I was at fault for the situation at hand. I am frustrated at the customer service I received that day. I have contacted BBB, FFR, and the Fl attorney general. I dont feel I should be stuck doing business with a company that has no respect for me and such callous disregard for mistakes made to customers. 


XXXX XXXX
88 points were deducted from my credit score once again by XXXX and Equifax in regards to my Federal school Loans. Each account drescribed my Point deduction to be because of a minimum Balance increase on 4 of my XXXX accounts I have received no notification of such action.
The car was totaled, and gap insurance was purchased on the car. The balanced was XXXX out. There is no amount due. Account is currently showing up as derogatory and closed.
I obtained a XXXX Credit Card and was adived that it would be interest free for 12 months. I made regular on time payments throughout the 12 months with no issue. I received notice that my payment was late in XXXX, only to look up my online account to learn that I had been charged over {$3000.00} in interest and that my minimum payment was now {$450.00}! I contacted the company and received correspondence back stating they could do nothing. I contacted them again and advised that I would pay the total owed without the additional interest if they could assist. They stated they would not due to the time that had passed. They stated that because 20 days had passed nothing could be done. I explained that I reached out to them via email to request assistance when the charge initially showed up, when the employee looked in records it stated that they could not get back to me because I was not enrolled in a portal. 
This is a disgusting misuse of power by XXXX. They should be ashamed of themselves.
My identity was part of The XXXX breach. I have contacted XXXX and was alerted that I have a fraud alert and I believe that I may have been impacted by this recent breach. I have several inquiries that I 'm unaware of and believe they have been placed on my account without my consent. The inquiries are going to be attached to this report. This is very disturbing and I have contacted Better Business Bureau, FTC, & I have gone down to the bank to file suit against XXXX and the companies listed on my report. I notice that these inquiries we 're reported to XXXX, XXXX, & XXXX. At this time I am very XXXX off that my information has been leaked and have been used. Now I 'm not sure what to do and do n't trust to many people. It is very stressful to know your personal information is out every where and it 's a shame that we have these issues in a country where security is suppose to be used for things like this. I want it removed within 24 hours at the latest and I wo n't accept nothing no later.
For many years these bureaus have automatically placed extended fraud alerts on my credit file each time I am advised the alert or consumer statement is added i call and write in to have it removed. They all remove it and within 45days its re-entered the main issue I have with alert it always have a phone number I have never provided or have access to. Overtime they have system glitch issue the alert and incorrect phone number and numerous inquires are added onto report without my doing or knowledge. From time to time good accounts that are mine paid onetime are removed, blocked stopping the creditors ability to report. And late payments on accounts that creditors have sent in letters to have late reporting removed.
On XXXX XXXX in the late afternoon I called AMEX platinum card, where my husband was the primary card holder. My husband passed away on XXXX XXXX. I called to close the account on which I was a secondary card holder. I was told by the company that if I did not pay the balance of {$3300.00} by the end of that day that the account would be turned over to a collection agency. Out of fear, and being in shock still from the death, I was intimidated into paying these expenses immediately. 

Now that I have spoken to others I am being told that this was a brutal abuse to avoid having the company insurance pay the balance and that I should not have been held responsible for these expenses nor should I have been threatened into paying this immediately, especially in such an emotionally vulnerable state. 

I feel completely abused by the disgusting display of brutality and abuse from a company that charged hundreds of dollars a year in fees and proceeded to keep my husbands earned points and blackmail me into paying medical bills and funeral expenses under pressure. 

I will add that these recent expenses were spent on my husbands medical bills for his XXXX treatments and his cremation expenses. Is it necessary for AMEx to steal from a heartbroken widow?
Per the Fair.debt collection practices act and the fair credit.reporting act All debt have to be validated and the consumer have the right to dispute the debt before a debt collection agency report it. I did not receive this from the company as the company reported this information before I was given the right to dispute and the information was validated. Therefore they violated the law. I want this information deleted off my credit report. I 'm sure that other consumers was treated this way, I have consulted an attorney for a possible class action suit
I received credit card information in the mail in XXXX and called XXXX stating that I did not inquire about opening an account. Fraud alert was implemented on my name/SSN. The day that the alert expired, a new account was opened in my name and {$4300.00} was charged to new account. I find it suspicious that it was opened on that date and I was not notified. I found out that my identity was stolen because I received a credit card in the mail ( again ) and checked my score. After obtaining a free credit report, I checked the accounts and saw the fraudulent account. I have closed the account and have opened another fraud alert on my information with all XXXX credit bureaus. I want this taken care of quickly and smoothly.
XXXX XXXX XXXX is collection on behalf of XXXX XXXX. I do not disagree that the debt is likely valid and I will settle via XXXX. 

This company is spoofing its outgoing phone numbers to appear to be different phone numbers in WI. EX : XXXX called me at XXXX on XX/XX/XXXX. The actual phone number for this company is XXXX. 

In addition, when called on XX/XX/XXXX by this company I answered this WI phone number. They asked me to verify my information, even though they had called me via a dialer. I asked if this was an attempt to collect a debt because via my FDCPA rights they are required to tell me this is an attempt to collect a debt regardless of who is on the phone. They refused to tell me what company was calling or why, including the supervisor I was transferred to despite my protections under FDCPA. 

In addition, when I finally called back and verified, they did not tell me that I could dispute the debt or that I could request the name and address of the original creditor, which is part of my protection under the law. They gave the disclaimer, said they were collecting from XXXX a $ 100ish amount. And asked how I would like to pay.
My home was foreclosed. The particulars include 42 months of negotiation with the lender to no avail, including filing bankruptcy twice, once a chapter XXXX, then again a chapter XXXX, each with a stay of foreclosure provision. Each time asking for a " workout '' to restore the loan status to 'current '. I filled out documents many times forwarding personal and private financial information to the lender / servicing entity. During this process I received several inquiries and solicitations from third party law firms suggesting they would take up my cause and would help in getting a remedy, ie refinance, short sale, deed in liu, loss mitigation, etc. one of the options put forward was the real possibility of something called a motion for quiet title, which would qualify because my note and title were separated twice rendering the mortgage invalid, that is it ( the mortgage went to XXXX twice. One of these firms indicated my case would be a slam dunk because of twice going to XXXX and because I am a military veteran, and I have an XXXX child living with me. At one point the lender offered a trial loss mitigation with all the provisions spelled out. I fulfilled all requirements in a timely manner then called lender to ask whats next? The response was, " just keep sending payments ". I said, " I will do that when I receive a statement showing how those funds were applied. The lender was unresponsive, so I stopped additional payments. When I called after another month, I asked out of frustration, what about a short sale. They explained how a short sale worked and then after another month told me I did n't qualify for said short sale according to FHA rules. I asked for any other provision and they said they would mail me something. After another month I received a slick shiny packet, first item was a marketing piece about a short sale, and a second piece about a deed in liu. As notification of foreclosure sale time and date approached I signed a listing agreement with a realtor who assured me a short sale could work if he could get a contract signed, which he did. XXXX XXXX XXXX ruled the form submitted was the wrong one even though it was on the lending companies letter-head. That letter included an acceptable form which required a notory. Even though this requirement was was announced one day before sale date, said notory was obtained and the form was forwarded to the lender. No response. On the sale date I called the lenders atty, stating the obvious, they said all they needed was a call or fax from lender to reschedule the sale. I then called the lender to convey verbally the message from their own atty 's, the single point of contact put me on hold and after indeterminate amount of time, and returned to the call saying, " thank you for your patience, but the home was sold at auction ''. This occurred on XXXX XXXX 2015. To date ( XXXX XXXX, 2015 ) I have not received confirmation of such a sale. I think something is a miss.
I noticed a company called  XXXX  made an inquiry on my experian credit report on   XXXX   XXXX   XXXX   I do not know who they are. I have disputed it with them but they claim it was a valid pull.
After this issue had been resolved with a collection agency for an agreed amount on behalf of the creditor XXXX XXXX XXXX XXXX, the file is again reopened for a third time after this had already been settled. These people are seeking a vendetta against me and seemingly are continuing to resubmit these derogatory credit filings to the agencies to reap their revenge for what I do n't know.
I was not late for the dates shown in XX/XX/XXXX-XX/XX/XXXX. All other dates are N.A. they have removed this one other two credit reports but have not on XXXX.
SYNCB is reporting an old ( 7+ years ) negative account on credit report with balance due and attempting to collect debt even after they provided letters stating they have terminated their collections and not reporting this account to the bureuas. See attached letters received from syncb/mervy 's account # XXXX
To Whom It May Concern, I am writing in regards to a Credit Deposit ( {$2100.00} ) that was purchased in XX/XX/XXXX from Bank of America. I had forgotten about it and recently found the Investment CD Receipt by chance. The paper receipt for this CD shows the original purchase date, but it does not show that the CD was withdrawn upon the maturity date or any other activity since it was purchased.

I have bank statements from Bank of America going back to XX/XX/XXXX, and I do not show that this CD was redeemed or that its funds were transferred to my account before I closed all of my Bank of America accounts around XX/XX/XXXX. 


I would like to verify that these funds were transferred to my accounts or withdrawn by me at the time of closing all the accounts. 


I initially contacted the State of California Unclaimed Property Department ( XXXX ; XXXX XXXX XXXX ) several times at the end of XX/XX/XXXX in case these funds were left unclaimed. However, they do not show any such unclaimed funds resulting from this unredeemed CD. 


I filed one complaint with the CFPB ( XXXX ) and BofA responded that they could not respond because I was a third party, and not authorized to access this account. 


I have all the relevant documents needed to show that I am the sole account holder ( California ID, US Passport, etc. ). I have been looking for resolution to this issue since last XX/XX/XXXX.
XX/XX/XXXX and mutual agreement between XXXX XXXX XXXX and Bank America was made regarding a repayment plan on my loan # XXXX Case # XXXX On about XX/XX/XXXX, I attempted to make my payment however the call center advise because my account was showing in modification status the system would n't process the payment. XX/XX/XXXX I attempted to make a payment of {$2300.00} the system processed it without issue. XX/XX/XXXX, the system declined payment again the Bank canceled the repayment plan. I made several attempts to bring my account current to no avail. XX/XX/XXXX, Filed a complaint with ( CFPB ). express my concerns shortly after Bank of America customer resolution team assigned a specialist : XXXX XXXX whom I forward several financial documents/ Modification applications ... again too no avail. XX/XX/XXXX XXXX XXXX law firm notified me stating Bank America reviewed my concerns and therefore cease the foreclosure process. XX/XX/XXXX I was assigned another Resolution Specialist : XXXX XXXX whom notified me after my second complaint to ( CFPB ). stating she was my dedicated single point of contact that she would resolve the matter XX/XX/2015, Again no communication from : XXXX XXXX. On XX/XX/XXXX XXXX XXXX Attorney for the Bank notified me regarding proceeding of foreclosure hearing on XXXX, I have made every effort too make the loan current and provided documents requested for the modification filed ( XXXX ). Complaints with ( CFPB ). Currently the matter has not been resolved.
To Whom It May Concern : I received an alert about an account being reported by XXXX XXXX. Please be advised I have requested validation { not verification } of an item reported to XXXX, Transunion and XXXX by XXXX XXXX. I have received a response that clearly violates my rights according to the HIPAA Act of 1996 AND I never received notice how to dispute the debt. Additionally, XXXX XXXX did NOT provide me a HIPPA release for my medical information, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX XXXX should this item not be deleted within the required time allowed by law. XXXX XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$10000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a removal of the reported information expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
At or around XX/XX/XXXX I purchased an extended vehicle warranty for my elderly parents who are on a fixed income so as to ensure that when their car needed repairs they would always be able to get them. The car only has XXXX miles on it - I paid {$1600.00} for the warranty using both my XXXX and Bank of America debit cards. At or around XX/XX/XXXX I made multiple calls to XXXX XXXX number to file a claim, each time the answer service would pick up the phone and take a message- no one ever called me back. I called several departments on multiple days and each timethe answer service would state that all of XXXX calls had been forwarded to them all day. At or around XX/XX/XXXX I contacted Bank of America claims department - I asked how long did I have to file a claim - claim rep stated 12 months - I then filed a claim for the {$500.00} ( thats the amount charged on BofA debit ) within 10 days BofA denied my claim. Now my elderly parents car needs a new transmission and I dont have the {$1600.00} that I paid for a bogus extended warranty. I can be reached at ( XXXX ) XXXX. Thank you.
i purchased a XXXX XXXX XXXX from XXXX XXXX and got the vehicle financed through santander corporation. all through the duration of my auto loan i was assessed all sorts of fees monthly from the start of this loan until i was able to getting credit from another lender. my vehicle was re-posessed and pulled in by company and i had to pay an astonomical amount of money in fees to get my car back. i constantly was on the phone with santnader trying to understand where all the excess fees were being billed to me and no matter how and when i made my monthly agreed upon payments, i was always asessed all the extra fees. i tried escalationg to a manager to no avail. i wrote letters and made weekly phone calls trying to get my account current. santander is an unreputable company and with questionable practices of blling, fees and no customer service. Please make a call to their this company yourself and see the response that you get.
On XX/XX/2016 at XXXX XXXX. I received a call from Capital Accounts Collection Agency. After already making a payment with the gentleman over the phone to set up a payment plan he wanted to put it on auto pay every month. I advised I did not like auto pay and would make the payment online or over the phone every month. He kept questioning why I did not like auto pay and saying it would still be sent to my credit report and no payment plan could be set up if I did not enroll in the auto pay. I told him I just did n't like it. I did n't feel I needed to explain my personal reasons to him since he had been badgering me the whole phone call. He then said " well people do n't like when you do n't pay them for 7 months ''. At that point I was so surprised I said " I do n't care '' and he said " clearly ''. I had previously explained in the phone conversation that I was unemployed ( due to my office closing down ) and that 's why I have n't been able to take care of this bill. After hanging up the phone with him I then called back and spoke with a very nice representative who thoroughly explained everything to me and at that point we did get the payment plan and auto pay set up. She was very understanding and made me feel completely comfortable setting everything up. The statements made by the previous representative were complete uncalled for. If he did n't act in the manner he had we could have accomplished all of that in the first phone call but he just kept pressuring me to use my credit cards for a larger payment and threatening to send all the information to my credit report when I was hesitating to make a payment. He did not try to be understanding or work with me in any way.
I 'm filing a complaint against Bay Area Credit Service, a collection agency working on behalf of XXXX. Bay Area Credit is reporting negative information about a medical ambulance bill that was paid on XX/XX/2016. I have attached a copy of my receipt that was emailed to me directly from XXXX, so I 'm a little unsure why it was sold to the collection company in the 1st place. This negative information is damaging my credit worthiness & affecting my credit score. I 'm in the process of applying for a mortgage & this negative account is standing in the way of that goal. My ask is that this information is removed from my credit files ASAP & all further collection action & negative reporting cease. I work very hard to maintain my credit worthiness & I strive to pay all my bills on time. I 'm also requesting a letter ensuring that this debt is satisfied & will not EVER appear on my credits for all XXXX bureaus.
Filed a flight through XXXX for a flight XX/XX/XXXX. Ended up not being able to attend flight due to policy at work regarding the time off at work XX/XX/XXXX. XX/XX/XXXX is considered a blacked out month and they will not allow any vacation time at all due to the sheer volume of work ( shipping company ). I had purchased an additional {$10.00} insurance specifically for canceling which is what it advertised without giving any of the details. I tried to cancel flight today on XX/XX/2016. Turns out, they charge an additional {$25.00} dollars to cancel the flight. I then have to go through XXXX XXXX who offers the cancelation insurance. After talking with them, they send me the details that the only cancelations that are approved are medical emergencies and jury duty. That is not what they advertised and that is not what I purchased. XXXX is charging me now a total of {$210.00} for a flight I can not take due to it now being canceled and they " do n't offer refunds on this type of flight '' is what the customer service representative told me over the phone. They refused to transfer me to a manager. Gave me info regarding trip mate cancelation to which they will not process your claim unless the flight is canceled so you have to pay the {$25.00} for a flight they can not refund. According to my cancelation confirmation email, I am refunded {$140.00} with XXXX XXXX. To use this credit, I have to spend a {$200.00} penalty on top of the credit. This is straight robbery. I received no service outside of my time wasted by customer service and policies regarding " we ca n't do anything. '' I want my money back and people to be warned of the shady tactics that cheapoairlines does in business with trip mate.