WillisBack/dataset-financial-user-claim huggingface dataset:
A check was given to me for services rendered. The check posted and was cleared. 2 months later my bank informed me that the check was fake and was returned. This check was for XXXX. Check writers bank ( wells fargo ) never contacted me to ask if person who wrote check stayed at our Group Home. I have all kinds of proof that check writer and his wife both stayed with us for XX/XX/XXXX. My complaint is about the process the bank followed to arrive at their conclusion. If it is a fact that both husband and wife stayed with us then HOW DID THEY PAY FOR SERVICES rendered??? Did wells fargo ask for proof of how they paid for this service? NO they did not. Why not? 
The check writer signature is the same as on our Resident Agreement Contract. But if you notice when we took him and his wife to the doctors for a XXXX he signed for both him and his wife. Both signatures are different and also different from the alleged fake check. I would like proof from wells fargo how they paid for these services. This reversal never should have occurred until these questions are asked of the merchant. EXAMPLE You take XXXX friends to florida and rent a nice beach house for a month for XXXX and then lets say 5 months later I call wells fargo and say hey wait a minute I did not write or sign that check. Wells fargo says oh ok ... ... ... ..and then BOOM ... ... ... merchant is now out the money they worked hard for. There must be something in place that will help the merchant also. My belief is that wells fargo did not follow proper steps to keep the merchant side protected. I am very happy to supply any witness or document proof to show in fact both husband and wife did in fact stay at our Group Home for XX/XX/2016. My efforts in all of this is not about just getting my money back but to also look at Banking Institution Policies and procedures that end up hurting the merchants. 
Wells Fargo could very easily contact us but they choose not to. 
I am surprised this type of thing is not being used by world wide scammers ... ... ... ... ..it seems like a perfect scam. Just open an account with wells fargo and then go on vacation and then 3 months later say you never wrote the check. Wells fargo will check a few signatures and then just get your money back.
I was called XX/XX/XXXX by XXXX XXXX concerning a bill incurred by my son for {$940.00}. I had forgotten that I had signed for him to get electricity in 2004. The account was closed XXXX XXXX, and the due date on the bill was XXXX XXXX. XXXX from billing told me to make a {$100.00} payment on or before XXXX XXXX. I made a {$100.00} payment on XXXX XXXX. I tried calling to let XXXX know I would be making another payment 2 times on or around XXXX XXXX, but she was not available. I called and spoke to XXXX on XXXX XXXX for XXXX minutes trying to understand my bill. She transferred me to a manager named XXXX, # XXXX at my urging. After XXXX hours on the phone with XXXX, he agreed to send me via email an itemized bill showing me the amount of each month 's bill withheld due to " Balanced Billing '', so I knew what I was paying for. He said it would take 21 days max. He also told me not to worry ... .that as long as I was making payments XXXX would not send it over to Collections. On XXXX XXXX, another payment of XXXX was made by my son. I trusted him to begin making payments, and as soon a I realized he was not complying, I made XXXX more payments to my Reliant account online in the amount of {$50.00} on XXXX XXXX and XXXX. I was about to make another {$50.00} payment when I received a call from Torres Collections on XXXX XXXX informing me that my bill was placed in Collections on XXXX XXXX and demanded payment. I informed them that I had to call XXXX and would call them back. 

I called XXXX and asked to talk to a Supervisor. I spoke to XXXX, and she told me I had to deal with Torres Collections and was not able to answer any of my questions. I was exhausted and felt powerless and discouraged. So I waited the week-end and called Torres on Monday, XXXX XXXX. I spoke to XXXX, and she told me they can no longer delete a bad credit report due to a recent Federal Law, even if the bill is paid in full. I requested a credit report and found my credit had been ruined. I worked hard on a minimal salary averaging about {$13000.00} a year my whole life trying to build good credit and never paid a bill late. Then I asked XXXX if there was any way I could " settle '' the bill. She came back with XXXX {$140.00} payments due XXXX, XXXX and XXXX, which meant {$180.00} off the current bill of {$600.00}. XXXX asked me for a credit card number. I asked her at least 5 times if she could send me a written copy of the bill and agreement. She said that she was not allowed to send me any information. I asked her, " How can I trust you without the agreement in writing? ", especially since XXXX said one thing and did another. And she said she worked for XXXX. I told her I would call XXXX again and try again to get them to take the bill off my credit report. Instead I made a call to your agency. Please help me so I can get my credit restored with the least amount of stress. I was, and am willing, to pay my debts.
I was contacted by williams, rush &amp; associates today. Today was the first day I was informed of a debt from   XXXX   XXXX   XXXX   representative of   XXXX   XXXX  . I told them this was a mistake and I have been trying to contact  XXXX   XXXX  to fix the problem but they are not returning my phone calls. I told  Williams , Rush &amp; associates  that I would be willing to make payments until this mistake was resolved. They refused to accept anything I offered, and demanded I only pay by credit card and only allowed to pay half the amount. They are refusing to send me anything in writing, such as a bill or legitimate statement unless  I  payer  % 50  of what I owed on the phone today. This is the first I ever heard of this debt, including from  XXXX   XXXX . This debt collector is being very unresonable, and I would  imagine this can no t be legal.
Identity problem : I was not formerly known nor have I ever been known as XXXX XXXX as listed under my identity Part 7. Personal Information with Equifax Personal Solutions : Credit Reports
I applied for the Citibank XXXX XXXX XXXX XXXX XXXX credit card. This card promised to reimburse me {$650.00} towards the purchase of a new XXXX after I spend {$3000.00} on the card within the first 3 months - I satisfied this requirement and I asked Citibank how to get the {$650.00} credit : - I was told that I should purchase the phone through a link on my Citibank account. I did n't have a link. After a few hours on the phone Citibank determined that they have an IT glitch and the link would not work - I was then told to purchase the phone directly using my credit card from XXXX XXXX XXXX. I tried to make the purchase and my card would keep getting declined. I called Citibank and they said the card is fine and it 's an issue with XXXX XXXX XXXX. I called XXXX XXXX XXXX and they said Citibank is not approving the transaction. I got them both on the line and they could n't figure out where the issue was - At that point a supervisor told me that given all the trouble I have had, I should just go purchase my XXXX with another credit card, send in a receipt and they would handle the reimbursement - I went ahead and did that. They have a copy of my receipt but now they claim that they can not process the credit because I did not use my credit card to purchase the phone. This is AFTER they told me to use another credit card I verified with a Citibank supervisor that all this information is noted on my Citibank account but due to technical issues they can not process the credit.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove them, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
I have been asking the credit bureaus to fix my credit report for over 6 months now. They have my birthdate wrong and accounts on my file that are not mine. All of the bureaus have been notified and still nothing. They WILL NOT CHANGE MY BDATE.
Also they are showing 2 accounts from national credit adjusters that are not mine and a bankruptcy on experian. I have had a issue with id theft and these are just not my accounts
In late 2014 we listed our home for shot sale, for our medical and financial situation. Through our agent, we contacted Well Fargo HELOC and spoke with XXXX XXXX XXXX concerning the XXXX mortgage. First, for nearly XXXX months we provided XXXX XXXX with everything he asked for ; such as, XXXX, contract sale, and payoff amount from the XXXX mortgage, and he never gave us an answer until XXXX days before the house goes up for foreclosure. Second his lack of communication made the situation very stressful for us, and he became an iron steel gate that stop any progress from going forward. Third XXXX XXXX received copies of the foreclosure notice, and all the information that he requested from the buyer. Finally, his delayed causes major financial hardship, and XXXX for both us because one of us is XXXX.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof an original Consumer Contract with my Signature on it. you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.
Because XXXX XXXX refused to report the closing of accounts listed below which was closed date XX/XX/2018.by consumer ; closed account can be add XXXX XXXX-account XXXX XXXX ... XXXX XXXX-account # XXXX ... XXXX-account # XXXX ... XXXX-account # XXXX ... all accounts from XXXX XXXX, this company would not let me the consumer close those account with the credit bureau 's also report them open, I the consumer is reporting them to the c.f.p.b. to be added to the date basic to keep track of the date account was closed and by whom.
My name is XXXX XXXX XXXX, I am looking into my credit and I see addresses that are not mine possibly belong to a family member or another person. I was married so my last name has changed from XXXX to XXXX. Please make note or update the correct information. My currently and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. PLEASE DELETE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
My vehicle was repossessed by the company. I had gotten behind on my payments previously resulting in a XXXX letter and calls to my family members, however I had just gotten my payments completely up to date. The company routinely accepted late payments and payments plans from me. Due to making a substantial payment, I needed time to get caught back up on the current payment. The rep from the company had been speaking to my father ( whom I have never authorized to speak to them ) and he advised him he would contact me to resolve the matter within that same week, meaning if I couldnt pay it, my father would. At this time, I was still within the 30 day window for the payment. My vehicle was then repossessed 2 days later. 2 weeks after my payment date, which the company had advised me no action is ever taken or considered until after the 30 day window had passed, which it had not, since it was still considered current at that point. I did not receive a new XXXX letter, I was told I was ok unless that were to happen again since it was considered a new default, which follows in accordance with MN state laws. After the repossession accursed, I was never informed of a date the vehicle would be sold or auctioned, I didnt receive any kind of notification from the company. I have disputed this account on my credit report numerous times, however the company continues to state it is valid. I have attempted to send correspondence to them to resolve this, however the mailing address they list is not a valid address for them. The vehicle was illegally repossessed and they violated almost all of the state laws that must be follow. The company was communicating through a 3rd party, my father, whom they assured I would be able to resolve the matter within the week, yet they repossessed before I would even make the payment.
Automatic payments for my car loan were discontinued by NMAC. I was not informed that this was happening so the bill was not paid for over 30 days. This was reported to the credit agencies and affected my credit score. I had this loan for 5 years and never missed a payment until the last two payments were due.
While I was still making payments, XXXX alleged that I stopped making payments and sought foreclosure. XXXX XXXX XXXX XXXX is now foreclosing on me using the wrong information supplied by XXXX and Seterus.
I have a loan with WELLS FARGO DEALER SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WELLS FARGO DEALER SVC with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX, XXXX, XXXX XXXX.
CALIBER COMPLAINT The way We make our mortgage payment monthly is by online banking. 
We log in into Our account at Caliber We transfer money from our bank to Caliber by using Caliber 's website. 
It shows as posted/draft on the date we make the payment and we receive " one Time Payment Received '' email on that date. 
48 hours later/2 days I receive a 2nd email as a 'Confirmation of payment ''. 

Since XXXX, 2016 this has not happened. 

Back in XXXX, 2016 after we made our mortgage payment ( posted /draft payment ) we received the 1st email " one Time Payment Received '' as usual but 48 hours later, we notice we did not receive our confirmation payment email ( Email # 2 ). 
We emailed caliber asking for my confirmation email and we asked if they changed their protocol. ( since we have not received any letter stating the changes ) They answer that they have not changed their procedures/protocols, also, that we should check our spam/block list & to consider their response as the confirmation for mortgage payment. 
We did, there was nothing in our spam folder, our block list did not have Caliber blocked & we made sure to have their information in our address book. 

The following month the same situation happened. We did not receive our confirmation payment email ( Email # 2 ). 
I emailed again and they responded exactly the same thing. ( to check on my end and to consider their response as our confirmation ) On Month # 3 the same situation happened. Since emailing this company does not fix the problem, puts the problem on me & maintains poor communication We decided to call their XXXX number. 
We explained to customer service person what has been happening, and he gave us the same " solution '' check your spam folder, check your block list and, He said he can not give me a confirmation over the phone, offered to switch my email notifications into Mail notifications. He said they are working on the problem and did not have any idea of when we would get a confirmation email. 
We told him this problem has been since XX/XX/XXXX & we needed our confirmation email. 
He was not able to give us any kind of confirmation for our payment, he could n't give us a time line on when this was going to be resolved ( again, this problem has been happening for 3 months ) then he put us on hold saying that he would get us a supervisor ( who I did not ask for ) We spent 1 hour of our time over the phone with customer service and we had to email again in order to get a confirmation email. 

Caliber has a very poor customer service by email or by phone. 
Communication is key. 
Our Mortgage payment is the most important payment we do and we have always taken that very seriously. 
The email customer service at caliber ignored our situation, they did not look into the problem from their end twice. The personnel on the phone did not help neither while it seems he was able to look into the problem his inability to give me a confirmation just makes their service insufficient/deficient/limited. 

By email they ignore your petitions/problems and by phone they can not give you confirmation. 
Really bad customer service
I opened up a citigold bank account using promotional code XXXX in XXXX of this year, in order to receive a bonus of XXXX American advantage miles, I needed to Make at least {$1000.00} in purchases using your debit card and set up bill payment for 2 consecutive months, which I did. I inquired and received this message : Date : XXXX Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Good afternoon. Welcome back to Citibank Online messaging, my name is XXXX. Thank you for your messages regarding our promotion. I will be happy to assist you. 

We regret any inconvenience this has caused as it is never our intention to delay incentives for promotions. I have submitted a request to ensure these points are awarded to you in a timely manner. However, we will require a review of the requirements and eligibility to confirm. 

Summary of Required Behaviors : XXXX AA Miles Open a new Regular Checking account in The Citigold Account package by XXXX/XXXX/16. 
Then, within 60 days after account opening : the required minimum amount {$1000.00} of purchases using the CitibankDebit Card must be posted to the new checking account AND XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. I deposited over {$100000.00} in the account and met the requirements. I was then told that I was not a targeted client and was not eligible for the miles, although i did receive an email, opened the account using the promotional code above, and meeting the requirements, if I was not eligible for the bonus, the application should have rejected my application using the promotional code. I would like to have the XXXX aadvantage miles credited that I believe I am entitled too.
My truck was totaled. My insurance carrier arranged that I receive a rental car. I went to the merchant XXXX XXXX XXXX and they required that I give them a credit card to reserve {$30.00} until the insurance company issues payment to them. My insurance company investigated my insurance claim total loss. My insurance carrier found out that the person that totaled my truck was uninsured. At this time, XXXX XXXX XXXX charged my credit car {$3300.00} without my knowledge.
Our original Mortgage was through XXXX. They were picked up by XXXX, then passed on to Greentree ( XXXX ). They got into trouble and was picked up by Ditech. When Greentree acquired our mortgage I was at a XXXX with my wife and out of the loop for over 60 days ( XXXX to XXXX ). I continued sending our payments to XXXX, they in turn sent the payments on to Green tree. Greentree jumped our payments, stating our Escrow account was delinquent. It was not, but we sent the extra amount without question. At the end of the year they had to return the overage back to us, some {$920.00} by federal law. Ditech tried the same thing about the Escrow account. We ignored the the request because we had received some {$1400.00} with the understanding it was an overage to our Escrow account from Greentree. We continued sending our original amount and have never been late nor missed a payment to Ditech. Ditech and Greentree tried to force us into refinancing by threatening foreclosure. We were referred to XXXX. We would have been approved and charged {$3000.00} and returned to Ditech as our mortgage holder. We refused the loan and continued to make our original payments. About 2 months back we received a package in the mail to reduce our payments from the original amount of {$630.00} to $ XXXX and adding the famous {$3000.00} to our $ XXXX amount left on the mortgage. We called for a final payoff and found Ditech had jumped our mortgage by {$3000.00} without our approval. We have been sending our payments of {$630.00} registered with a return receipt to prove we did not approve their offer. We have sent a complaint to Oregon Dept. of Justice and to the state agency that approved Ditech to operate in the State of Oregon. Copies of our complaints will be sent to your org. in a later submission due to scan problems.
This regards a credit card for XXXX XXXX in XXXX. It was sold to a credit collections in XXXX. I was never aware of this credit until it was reported on my credit report XX/XX/XXXX. Since this is a 15 year old account, which I don't remember I thought this was supposed to drop after 7-years. I don't even know the amount. I do know it was under my maiden name XXXX, and I was married at this time. 
The credit collections is : XXXX XXXX, XXXX. 

If you can help me get this removed, I'm on XXXX and very ill. 

Thank you, XXXX XXXX XXXX XXXX.