WillisBack/dataset-financial-user-claim huggingface dataset:
Person or persons unknown to me use the name XXXX XXXX and my social security number to open two credit card accounts with XXXX XXXX XXXX. Note : My name is XXXX XXXX XXXX not XXXX XXXX that was used to open these two fraud accounts Allegedly Resurgent Capital Services purchased both cards on X/XX/2017 When I became aware if these two fraud credit cards I contacted XXXX XXXX XXXX and was referred to Resurgent Capital Services, I contacted Resurgent Capital Services Twice disputing these fraud accounts, I requested that Resurgent Capital Services supply me with copies of the applications that were submitted for the credit cards listed above to verify these two accounts, along with a copy of the sales contract from XXXX XXXX XXXX and Resurgent Capital Services, Resurgent Capital Services can not produce the applications for credit in my name XXXX XXXX XXXX nor will they supply a copy of the contract between XXXX XXXX band and Resurgent Capital Services to verify that both accounts are valid and that they own the two fraud credit card accounts. Resurgent Capital Services as of this date XX/XX/2017 is reporting False and incorrect information pertaining to both fraud credit card accounts to the credit reporting agencies. Fraud/Identity Theft report has been made to my local police department # XXXX and also made to the Federal Trade Commission FTC report # XXXX
Hi, I opened an account towards XX/XX/XXXX with Santander with a promotion code for {$150.00} after fulfilling certain requirements. I completed that and now they are saying I ca n't get the promotion since I did n't open it online but I did. When they called they said they would call back with more information, but no calls. Please can you help.
I was a victim of the XXXX  inquires issue, as well as I have another problem. XXXX ran my credit way more times then was approved by me to do so, it was no approved by me to be ran that many times. 
The banks being XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX I want the inquires removed
I have sent Power of Attorney and Death Certificate via fax to US Bank on XX/XX/2015 and XX/XX/2015 so that I can address fraudulent charges on the US Bank Credit card that my parents used until my mother 's death on XXXX XXXX, 2015. 

Every time I call them they transfer me around and state that they did n't get the materials. This has been going on for over 3 weeks now. 


I would like to be able to speak with the fraud department to deal with the fraudulent activity and then to close the account. 

XXXX XXXX : XXXX XXXX, KY XXXXPhone : XXXX
In XXXX of 2018 I requested XXXX XXXX  and Equifax to validate the collections that they have reported on my credit report. XXXX XXXX and Equifax failed to send me any information that the collections belong to me. 

Collections that are being disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On Saturday, XX/XX/2016, I deposited a cashier 's check issued by XXXX XXXX, in the amount of XXXX XXXX in my TD Bank branch in XXXX XXXX, NJ. Days later, XX/XX/2016, TD Bank sent me a FOREIGN COLLECTION ADVISE stating, among other things, that " your account will be credited the then current exchange rate less our fee of {$17.00} and any fees assessed by the Foreign Bank. '' The XXXX XXXX was finally credited on XX/XX/XXXX at an exchange rate of XXXX, for a total of {$39000.00}. This was even confirmed in writing in a CREDIT ADVICE dated XX/XX/2016. 

Clearly, the rate of exchange applied by TD Bank was lower than what the XXXX-Dollar rate has been for the entire month of XXXX, ranging from a low of XXXX on XX/XX/2016, to XXXX on XX/XX/2016. On XX/XX/XXXX, the rate of exchange XXXX-Dollar was XXXX, as reported by financial websites. 
As I see it, TD Bank willfully miscalculated its conversion in order to benefit from it. To hear its XXXX Branch Manager, XXXX XXXX, argue the case that TD buys " in bulk '' holds no water. It 's pure nonsense and TD must own up to this attempt at defrauding me. 

At the XXXX XXXX-Dollar rate of exchange in effect on XX/XX/2016, the amount of XXXX XXXX should have been converted @ XXXX XXXX less {$17.00} TD fee and {$84.00} Foreign bank fee, as stated in the Credit Advice. After deducting those XXXX fees, {$17.00} and {$84.00}, the amount to my TD checking account should have been {$41000.00}, NOT the {$39000.00} credited. 
TD Bank under credited my account by {$1600.00} I would appreciated your assistance in having the unpaid balance of {$1600.00} remitted to me. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXXXXXX TD Acct. # XXXX
I am part of the Pay As You earn repayment plan, however the payments are way too high for a   XXXX   XXXX   living in   XXXX   XXXX   XXXX   where rent and cost of living are ridiculously expensive. I feel that these are things that should be taken into account. I 'm struggling to make these payments.
On XXXX XXXX XXXX I went up to my local Bank of America in XXXX XXXX, NV. I received a {$3400.00} check as an assistant for a job I applied for. I tell the bank teller I have a check I want to deposit. I also tell them I DO NOT want to withdraw any money from my checking or savings account. I can wait, just this check specifically once it 's verified and becomes available. I then proceed to ask the teller how long does it usually take. He responds sometimes it depends, sometimes a few hours or a few days. Towards the end of the transaction the bank teller tells me everything is all good I can actually withdraw that check right now. I proceed to do so and was under the impression that the check was good and I was performing my job. It turns out the job was a scam and they used me to buy gift cards and send to their email. 

I saw an alert on XXXX XXXX XXXX that my account balance was below {$25.00}. To find out that check I withdrew on Saturday was not good in fact. I got the bank of america to retain my account back for a few days and they proceeded to remove the {$3400.00} from my account again on XXXX XXXX. XXXX. I spoke to the fraud/claims dpmt., banker at my local BOA and was denied any claims for my {$3400.00} loss. 

My complaint is that I was misinformed greatly about the check being approved. Which led to this {$3400.00} loss. I would not have proceeded with a {$3400.00} withdrawal if it was revealed accurately that the check was indeed bad. This misfortune could have been prevented if Bank of America did their job correctly and only gave me access once that check cleared like I requested.
On XXXX/XXXX/XXXX, i sent a letter to Equifaxfor reporting inaccurate information on my account, i received a letter on XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent a letter requesting method of verification, received a letter dated XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent another letter requesting for the method of verification, i received a letter dated XXXX/XXXX/XXXX stating verified as accurate. They failed to provide me with the method of verification twice, and failed to provide a response within the 15 day time frame. I have also contacted the company and has not received any response from them.
I submitted a complaint recently in XX/XX/2019. My complaint number is XXXX,. The representative, XXXX XXXX, said he will provide me the payment history by XXXX-19 but I have not received the documents as promised nor have I received an update. 

I am not sure of the status of my initial claim or how to proceed? 

XXXX XXXX
( SANTANDER CONSUMER USA ), continued attempts to collect debt I do not owe. 

I have disputed ( SANTANDER CONSUMER USA ) account number XXXX because the debt is not mine with the XXXX credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But to no avail the item remains on my report. 

( SANTANDER CONSUMER USA ), has not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.
I purchased furniture from XXXX in XXXX 2015 in XXXX I noticed the the furniture I purchase was starting to peel. I called XXXX in XXXX was told to submit picture I did however I never received a response from XXXX. I called XXXX again in XXXX inwhich I was asked to resubmit picture in which I did was told that pictures were n't clear so I recent picture still was not clear enough for XXXX. XXXX sent out tech who was suppose to take pictures and submit to customer service in which pictures were ever submitted however tech wrote report stating that was not covered draws were damaging because I was opening them even XXXX customer service found that odd however XXXX refused to do anything about it. I contacted Wells Fargo who had financed the furniture and a claim was started. Was tol would take 60 to 90 days for investigation and no payment was need until decision was made and depending on what occurs with XXXX. I called several times was told XXXX XXXX was handling my claim for XXXX and for the rep from XXXX. I called XXXX no one knew rep I was told to ask for and rep from Wells Fargo XXXX XXXX never returned my call. Called customer service again was told same thing and that XXXX was trying to reach out to me to resolve issue. Called XXXX again no one could help me however when it was time to deliver furniture XXXX had o problem contacting me. Called Wells Fargo again told investigation is still in affect. I received a letter from XXXX where interest was applied was told to ignore no payment needed protected will under investigation I than get in contact with Wells Fargo and this time I 'm at Witts end asked to speak to corporate after hearing same speech rep told me he did n't have number after I threatened to contact attorney general and consumer affairs I 'm now transferred to XXXX in the corporate office, I explain to her the situation as far as the interest and that there as not a problem paying however I should n't have to pay for defective furniture that did n't last 6 months, XXXX assured me that my case has been escalated to highest level and she would get to bottom and call me inwhich I gave her my cell phone for contact. I was told to get in contact with bobs again just one last time in which after fighting with rep was told sofa would be covered not entertainment unit. To make a long story short after several calls to XXXX and XXXX, I receive a call from XXXX stating they would give a re selection for both pieces however when I called Wells Fargo XXXX told me her supervisor would only give me 25 percent towards interest and that case is closed. I need assistance with unfair practice off Wells Fargo why would that tell me not to pay and even after XXXX agreed to return merchandise they still charge interest which was {$870.00} and I only owed {$820.00} if I was told to pay while under investigation would n't be a problem now this is reporting negative on my credit report. Please I paid on time was miss lead by Wells Fargo so they can earn interest un just even after merchant agree to swap out furniture.
Dear  XXXX   XXXX   XXXX   XXXX  : I have been an account holder since  2014  and during that time I have enjoyed my experience greatly I am writing to see if you would be willing to make a good will adjustment to your reporting to the  XXXX  credit agencies I have two late payments on the above referenced account that date back to    2014  since that time I have been an exceptional customer paying every month on time.     Because of my exceptional payment history over the last  XXXX  years. I would like you to consider removing the negative payments from my credit report. At the time of the late payment I was put on bed rest my last month of  XXXX  no pay. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that  XXXX   XXXX   XXXX  is willing to work with me on erasing this mark from my credit reports.     I have been a very happy customer in the past and hope to continue a long relationship. With today 's credit industry so competitive, I know how important it is to maintain good relationships with customers.   XXXX   has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why is heads above the rest. I look forward to your reply.     May  XXXX  please remove all negative remarks off my credit report. In good faith.       Sincerely,
The account XXXX for XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX : phone ( XXXX ) XXXX is reporting as a re aged account. The original creditor account was closed in XXXX of 2008. It 's over XXXX yes old
i fell behind on my mortgage due to a loss of income. i then contacted wells fargo to try and see what i can do to save my home. i have applied numerous times before to try and get a modification to possibly lower my monthly payment and interest rate and be brought current. NO ONE WILL HELP! i keep getting denied and this last time on XX/XX/XXXX they denied me bacause i did not have my income taxes done that i was not eligable and now i have a sale dat on my home on XX/XX/XXXX! I DO NOT MAKE SUFFICIENT INCOME TO FILE TAXES! please help me save my home!
I sent letters to the company on XX/XX/2018. The company did not follow my request! I asked for my contract or application bearing my signature. Or remove it from my account.
I looked anatomy credit report and saw numerous problems with it. I disputed information that was incorrect and not mine and it came back as verified but was not validated. I never had an account with this creditor and I do not owe this debt. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

XXXX XXXX Opened XX/XX/XXXX {$590.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$7200.00}
Wells Fargo has a published policy about funds availability on wire transfers into your customer account at the bank. It is clear, and states that a wire transfer is the same as cash ... ..available immediately. I sold my airplane and had a wire for {$53000.00} sent to my Wells Fargo account. It came in the morning and I verified it 3 times on the phone and on line that it was available. I live in XXXX and it is a 2 hour drive to their nearest branch. I had called earlier that day and asked if I could do the wire on the phone and while they knew I lived 2 hours away, they told me I had to come in. I drove the 2 hours to get there and after I had filled all the stuff out and given them my ID, they told me the funds were not available. I told the branch manager of the XXXX XXXX branch that it was and that I had verified it 3 times before driving to the branch. I was rebuffed and asked if they could process the wire and send it tomorrow ... ..when it " posts ''. I was rebuffed again and was told that I had to be physically there. I asked her to call the regional VP to make an exception. She would n't budge. I left the bank to drive the 2 hours home really frustrated. 
I called the district manager of wells fargo in Macon XXXX, and he was out. I called the branch back to again implore the branch manager to call a higher up. She had gone to lunch at XXXX in the afternoon. I then called the regional VP in XXXX XXXX for another discussion. Each time I was told that wires had to " Post '' before they were available. I was told by the XXXX XXXX office that someone would call me back by XXXX that day. At XXXX I got a call from a XXXX " XXXX '' phone number and did n't take it til the next day. 
It was the district manager who again told me that the wire had to post before it was good. I told him that was contrary to the banks written policy and I sent him a copy. I had also called the banks customer service number and was told by them that wires were as good as cash and did n't need to be " posted '' to become good. I told this to the district manager and he seems to be quoting some secret unpublished policy about " posting ''. 
The next day I drove to a different Wells Fargo branch in XXXX XXXX. I talked to the branch manager, XXXX, before I drove the hour and a half to that branch. She even quoted the " posting '' policy as a security measure. Since the funds had posted overnite, she was able to handle my wire without any drama and waived the wire fees. 
I texted the district manager of the XXXX office that the wire had gone through and that I wanted a definitive answer about the secret/unpublished " posting '' requirement in lite of the clearly stated funds availability policy. 
I also provided him with additional information that the funds available policy is very hard to find on the internet, and customer service was not able to find it either. However, my newly opened XXXX checking account has it clearly publised in their new account paperwork. 
In closing, it seems that Wells Fargo applys secret and unpublished requirements when they publish a policy that is deceptive and their actions are deceitful.
I have a group policy with XXXX which covers all the real estate we own. We pay the policy since it covers a number of properties. XXXX service only one of the properties. We forwarded a copy of the declaration with all of the properties listed approximately seven ( 7 ) months back showing the property they service is included and insured. XXXX took it upon themselves to send a check to XXXX of {$3300.00} for the total premium and then initiated another escrow analysis increasing our payment. The premium for the property serviced by XXXX is {$400.00} of the total premium. I returned the check to XXXX and requested that they void this new escrow analysis. They will not address this error but continue to request a payment increase stating I am behind in payments and threatening foreclosure. In addition to not addressing and correcting this error I was given instruction on how to request a waiver of escrow which they granted XX/XX/XXXX. XX/XX/XXXX statement there was {$1600.00} in the escrow account. XX/XX/XXXX escrow balanace was {$5700.00} and XX/XX/XXXX statement escrow {$5900.00}. After agreeing to waive the escrow, our payment was adjusted to {$910.00}. XX/XX/XXXX XXXX began applying our payment {$940.00} as partial payment. Which we never adjusted because we expected the difference to be applied to principal. Thats not happening. After waiving the escrow we was refunded {$960.00} from the escrow account XX/XX/XXXX. What happened to the {$3300.00} returned to XXXX and why am I in the rear on my payments when I am faithfully sending my payment monthly. What happened to the {$5700.00} that was in escrow? I understand {$3300.00} was reapplied to correct the {$3300.00} that was errorously mailed to XXXX - where is the difference? They will not talk about this error but continue that we are behind in payments and we continuously send {$940.00} monthly.
I filed a dispute on a XXXX transaction for XXXX I was given a link to follow from the merchant that didn't work when I reached out to the merchant they indicated it would work. I filed the dispute with my bank and told them all the info needed and even offered to supply emails of what happen they said they didn't need it. When I got the 70 page letter in the mail it came back from merchant that I didn't return which is correct merchant refused to provide me with info to return. I called in again to my bank and was told by XXXX after telling her again what happen from start not worry and that the credit would not be debited XXXX also worked on another case for me that day. A week later I look at my account and there is a debit for this amount I called in spoke with a XXXX from Florida who informed me that XXXX was on her team and XXXX was their manager but was unable to talk to me right then. But he would call me back as I wanted the bank to listen to the call me and XXXX had. XXXX never called me by the 3rd hour I called back was talking to another person in FL that was on the same team said XXXX didn't forget about me but would call me back I asked what time he left for the day I was told XXXX ... XXXX never called and my issue is still I need my refund I still 4 days later have not received a call
Nationstar Mortgage has refused to take my account off escrow because of a lapse in insurance coverage. I had Lender Placed Insurance! I asked them to provides me a copy of the insurance thy placed and they are mailing them to me. Attached are copies of my correspondence with them. It proves that I had insurance so they can take me off escrow now. They have lied and tried to deceive me since they acquired my loan.
I use Western union to send money and I have to constantly call to get money released and I do n't get the issues resolved, one person from the company tells me that I do n't need to call to get it reased but then when I send the money it wo n't get delivered to my famy member unless I call, I get charged for the service and I expect to get it, today was an agent being really unhelpful and rude just making me feel uncomfortable and global sanction and interdiction department wo n't help me. I still get charged and get not the device I 'm paying for. They will not help me resolve the issue, I have spent about 10 hours ( combined ), trying to get them to give me a service as they supposed to since they are getting paid for it. I asked for an explanation and they ca n't seem to give me a clear one, they want me to call every time even though I should not have to call, my friends and co workers have use the service and there was no need to call customer service for it, they can use the online service and will be done XXXX operator XXXX from the department in charge on this complaints will not even attempt to help me. Please help me to not have to stop work or whatever I 'm doing to get service as I should. Thank you
On XXXX XXXX, 2015, I cashed a check at Bank of America for XXXX. I received my cash and left the back. Following this I received a message from the bank telling me that they were debiting my account for an additional XXXX, stating that the check had been cashed for XXXX. I tried resolving this by phone and at the branch. I am attaching a copy of my check and the letter received from the bank.
Received an email stating that if the collections agency did not receive payment they are going to sue me and garnish and confiscate all my wages. Which Im unemployed and they have no legal right to garnish.
Let me start off by saying that I had a PERFECT PAYMENT record on my mortgage for over ten years with XXXX and XXXX. Before the nightmare of disservice from LoanCare hit my financial life I had no issues. For whatever reason, LoanCare took over the mortgage servicing from XXXX. For years I was on an automatic payment with everyone else. My mortgage payment is XXXX dollars. Yes that is not a misprint. And when I tried to set up automatic payments with LoanCare, for what ever reason, the system will not accept an automatic payment. They will, however, try to bill me XXXX dollar late fees when I call in to make a manual payment. Three separate times I have tried to set up automatic payments. And three separate times it has rejected my bank info. I have had to deal with their call center people in clearing up the late payment fee. And, THREE SEPARATE TIMES, I have asked the agents to look into the issues that THEY have created on my credit report. And, amazingly it never gets cleared up. I am asking your assistance on this matter. I honestly tried to work with these people and they have no follow up skills nor a care in the world about my credit rating. Furthermore, I have been receiving payoff statements since they took over the loan. I suspect that they do not want to service such a small loan. Which is why they have given me the cold shoulder on resolutions. Thank you in advance, XXXX XXXX XXXX