WillisBack/dataset-financial-user-claim huggingface dataset:
I went online to pay my  XX/XX/XXXX  WELLS FARGO mortgage on  XX/XX/XXXX . The payment posted from my  XXXX  account on  XX/XX/XXXX . On  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  WELLS FARGO attempted to take an additional mortgage payment from my  XXXX  account. This resulted in 3 separate fees of {$29.00} withdrawn from my   XXXX   account because they made 3 separate attempts to withdraw this additional payment. I called Wells Fargo and spoke with  XXXX  who was no help at all. She explained that once I made the payment on  XX/XX/XXXX  it should have reset my pay to the next cycle in  XXXX . Which I agreed. But then she started back tracking saying that it is not Wells Fargo fault and I should have called when I made the payment. She essentially tried to blame me for wells fargo system jot doing what she explained that it was supposed to do.This is unacceptable and cheating a loyal customer out of money. I have been with Wells Fargo mortgage since  XXXX   and have never been late or missed a payment.
On XXXX XXXX, 2015 I erroneously sent an electronic payment to a BofA XXXX card, in the amount of {$1500.00}, that I had closed 5 years prior. The account was CLOSED NOT DORMANT. I called my bank XXXX XXXX XXXX XXXX on XXXX to stop payment. Apparently the were not able to stop the payment. Instead of BofA rejecting the payment, as XXXX informed me they should, they cashed it on XXXX XXXX, 2015. I have filed claims with each bank as well as made dozens of phone calls and visits to the branch. XXXX XXXX confirms BofA took the funds but BofA continues to tell me they do not have record of my payment. It has been nearly a month and no one can tell me who has my {$1500.00}. The account I sent payment to was a closed account. Why did BofA take my money?
I got on a repayment plan that was supposed to lower my monthly payments. Since I had a cosigner on my loan, they had to take both of our information in order to calculate a payment. They first tried to tell us we had a certain amount of money laying around when we indeed do not. The person that helped us set up our account asked did I spend x amount on groceries and I lied and said yes. The truth is, I do n't even have enough money to buy groceries. We set up a plan and I was able to split my payment up biweekly to something barely manageable for me. They take have been taking my payments up bi-weekly and I started getting calls and emails saying that my account was n't current. I called and spoke with a very rude and snippy NAVIENT rep that was mean to me all because I was trying to gain clarification about my loan and why the payment had went up in the midst of me paying what I could already BARELY pay. She said it had something to do with my interest going up, but no one EVER told me that this was even possible. Unable to get some understanding I eventually hung up in her face because it was pointless talking to her. She was heartless and inconsiderate and poorly trained representative.
Compass Bank closed my XXXX minor son 's savings accounts with no notice. Instead of mailing me the amount in their accounts that they closed, they have sent the money to unclaimed property. Now I have to submit a claim and wait for unclaimed property to investigate before I can recover this money.
I received a call at XXXX XXXX from XXXX XXXX, identifying themself as Capital Accounts, from Phone number : +XXXX ( XXXX ) XXXX Area code : XXXX City, State : XXXX, New York County/Parish : XXXX Phone Usage : Landline Phone Carrier : XXXX XXXX XXXX XXXX. 
They provided me information regarding an account that was not even mine ( name of person/company seeking collections ) They did not clarity who they were speaking with. I told them they had the wrong person and then started inquiring about my name and asking me for the phone number of the person they were trying to contact. They then realized their mistake and hung up on me. I called them back and complained.. I am going to report them by report to the Federal Trade Commission
The Attorney General of the State of Ohio sent expungement letters to Equifax requesting they remove XXXX liens which were on my report. I sent a certified letter to Equifax requesting the removal. I have heard nothing so far, and the items remain on my report as of XX/XX/2015. Please help me settle this dispute. I thank you for your time on this matter.
I disputed inquiries that were not made by me however I have not heard back from them experian,   XXXX   and  XXXX
Hello, I've been in contact with transunion over the past couple of months via phone numerous times ... .Everytime I call I get someone who barely speaks english and can never get anyone who I can fully understand what theyre saying nor can they understand what im saying ... After numerous conversations about the errors they have reporting on my credit file I was finally able to understand them directing me to goto their websites ... .I went on there and disputed the incorrect items on my credit report on their website and after not only WOULDNT the dispute not go through but it also delivered me error messages that said the accounts werent reporting on my file, ... .how is this possible? I've become so stressed out I dont know what to do ... I have also attched a copy of the screen shot of the website ... PLEASE CAN SOMEONE HELP ME?
I purchased exercise equipment from XXXX on XX/XX/XXXX and charged it to my XXXX account ending in XXXX. Shipment was delayed for the equipment, so I CANCELLED the purchase on or about XX/XX/XXXX because I HAD NOT received the equipment. 
Sometime in late XXXX, I received phone calls from XXXX requesting payment. I advised them that the account balance should be XXXX as I had cancelled the transaction and never received the equipment. Although, the representative was amicable, documentation must have been overlooked, because I have received repeated calls from XXXX requesting payment for a purchase that I never completed and am being threatened with late fees and negative credit bureau reporting. I provided XXXX the Cancellation Confirmation number form XXXX and advised them that XXXX told me that the return would be processed on or around XX/XX/XXXX. 

I am most definitely planning on reporting XXXX XXXX lax return processing tactic to the appropriate agency, but at this time I need XXXX to STOP harassing me for payment on a credit line that has XXXX balance. The Cancellation/Return Confirmation number provided by XXXX is XXXX. I am expecting that the amount due on the credit line will be XXXX and NO late or processing fees will be added to inconvenience me. In addition, I am expecting that NO negative reports be made on my credit file as I DO NOT OWE monies for equipment that I did not receive. These two merchants should have better communication protocols between each other that do NOT include harassing and inconveniencing consumers.
There is a address on my file that does not belong to me. at Equifax it belonged to a person with the same name I never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX wisconsin
XXXX XXXX jacked up monthly payment amount after purchase of my original loan from XXXX   XXXX XXXX. The mortgage was on auto pay and I was unaware of short payment. They reported as missing or 30-days late. Despite the phone agent assurance and despite the immediate payment to cover the shortage when I was alerted, my credit score was damaged with derogatory and FALSE reporting as '30-days late '. Despite multiple attempts, XXXX  refused to remove this negative item for over a year. This company 's unfair business practice is well documented on social media. I am reporting this again to show the pattern of their business practice as I now know I was not alone.
In last two months I tried to make online payments with Wells Fargo and select a date to send the payment. The calendar appears but the website will not allow you to select a date other than the day you are on the website. It seems like they are forcing you to make the payment at that time with no choice of the payment date.
My credit report is showing XXXX XXXX account XXXX was past due several times in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.The loan was paid and never was late .The information is incorrect.
My dispute XXXX for {$110.00} has been open since XX/XX/2018 without an update.
Our house closed/recorded escrow on XX/XX/2018 On XX/XX/2018 I called to check status on our Escrow refund from Freedom Mortgage. 
I was told the check was cut on XX/XX/XXXX. Freedom Mortgage said they will void check and send a new check. I was to receive it in 10 days. On XX/XX/XXXX I called again because I had not received the escrow refund check in the amount of {$1100.00}. I was told by XXXX ID # XXXX that the request on XX/XX/XXXX was not done correctly so the ticket was closed. XXXX said he would expedite a check and would email me a copy of the original check dated XX/XX/XXXX. 
On XXXX I was told by Supervisor ID # XXXX - XXXX that another check was cut on XX/XX/XXXX and that I should receive it by XX/XX/XXXX. I asked for his manager and was transferred to Manager ID # XXXX. She stated that all prior tickets were done incorrectly so there was never another check sent to me. She also stated that Freedom Mortgage does not provide copies of checks to customers, that I was incorrectly told that I would receive a copy. She said that I would receive the check by XXXX and that after I receive the check to call back to get check and batch numbers of previous check ( s ). I asked for a tracking number for the latest check being sent and Freedom Mortgage said they can't/do n't provide tracking numbers.
XX/XX/XXXX : I recently traded-in my XXXX XXXX XXXX XXXX for a a brand new vechile, XXXX XXXX XXXX XXXX from Honda Financial in XXXX XXXX. Last week, I received a letter stating to contact my dealership to see if I qualify for GAP refund since I decided to cancel it. First, I contacted the sales person who helped me and she wasnt available to respond to my text after telling her the situation. Then so my fianc and I went to the dealership and was told that since we put {$0.00} down payment during the time of visit, the GAP refund ( {$2600.00} ) was used as part of the down payment. However, I was not aware that they transferred the GAP refund to my down payment. I just called the Honda Financial and spoke to the GM and I was told that thats what they usually do and theres nothing I can or they can do because I signed the contact. It was very clear to me that the reason why I am paying {$540.00} for the car that I got was because I did not put a down payment and purchased GAP and maintenance. However, it turns out I did put down, down payment through GAP refund. I think as a buyer, they should have informed me about this. According to the manager, they disclosed it to me but I was probably not paying attention.
I Contact ( TRANS UNION Credit Report ) To Remove Most Of My Inaccurate Credit Report Request for Investigation of Multiple Unauthorized Inquiry I checked my personal credit report, which I acquired from your organization on [ TRANS UNION ] and I noticed Multiple unauthorized inquiry had been made. I contacted [ TRANS UNION AND ALL OF THE ASSOCIATION ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into [ TRANS UNION AND ALL OF THE ASSOCIATION ] of this multiple inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove ALL of the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation ( With Proof ) within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. Here 's The Following Inquiries .... 1-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2-XXXX XXXX XXXX Inquiry fromXX/XX/XXXX 3-XXXX Inquiry from XX/XX/XXXX 4-XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX 6-XXXX XXXX Inquiry from XX/XX/XXXX 7-XXXX XXXX Inquiry from XX/XX/XXXX 8-XXXX XXXX Inquiry fromXX/XX/XXXX 9-XXXX XXXX Inquiry from XX/XX/XXXX 10-XXXX Inquiry from XX/XX/XXXX11-XXXX Inquiry from XX/XX/XXXX
MRS BPO , L.L.C . contacted me by mail, on XXXX XXXX, 2016, and identified the debt as {$1800.00} owed to XXXX, MRS ACCT # : XXXX ; Current Creditor Account # : XXXX ; Charge off Date : XXXX/XXXX/2016. 
I do not have any responsibility for the debt, have never owed XXXX any money, and confirmed this with XXXX
Received an offer to signup for a Citigold checking account after I had opened my Citi Prestige credit card. Used the promo code provided which was accepted through the signup, I met the requirements but never received my bonus thank you points. When I inquired with the bank directly they said I was never targeted however they accepted my signup application when using the promo code and had no mention that the code was invalid nor that I was not eligible.
There are inquiries on my credit file that I did not authorize. I 've written and mailed out a letter stating to remove unauthorized inquiries on my credit files and sent this through certified mail to ensure delivery. I do not recognize nor did I authorize the inquiries listed in the letter that I sent to the credit bureaus. The bureaus received a detailed copy of my letter with identification.
I have contacted CFPB a number of times.Regarding inaccurate information being reported to all XXXX Credit Bureaus ( XXXX, XXXX, XXXX ) .The CFPB is supposed to protect me the consumer.When receiving a complaint from a consumer.The furnisher has to show verification, and validation. To back up there accurate account of disputes. A violation of the FCRA occurs under section 623 ( a ) ( 1 ) if it is shown that a party reported information what was knowingly inaccurate.In any dispute, the furnisher of the information can either verify the accuracy of what they have reported, or correct the inaccuracy should they agree that it is currently inaccurate. To the extent that the CRA considers a response to a dispute to be a date of last activity, that is not a substantive issue, and not a violation of the FCRA.
I sent a certified letter to  XXXX  about inquiries that I did n't authorize or recognized and I asked them to remove the inquire s. In 2016 it was some accounts deleted off of my report because they did n't belong to me. The accounts had the same name as me but different addresses. after looking at my credit report I seen all these inquiries and some of them were reporting more than once.They sent me a letter informing me that, they are not required to r emove these inquiries, I needed to contact the companies. I contacted the companies and they said I need to contact the credit bureaus. These inquiries have stopped me from getting the credit I believe I deserve. The reason for denial is too many inquiries. I 've asked this company by phone and in writing but nothing has changed.
Equifax removed inquiries from my credit report and then re-inserted them without notifying me. The non-notification is a FCRA violation and I would like the re-inserted inquiries removed as soon as possible. I tried to call but the wait time is too long. I called 3 other times and the lines were busy.
I would like to bring your attention that COMMONWEALTH FINANCIAL are violating several laws pertaining to my social security Number, and the FDCPA. First thing, I would like to know how they came into possession of my social security number, who authorized their company to use their tradeline on my credit file. Furthermore, they have placed a negative account on my credit file before they addressed a debt assumption letter to me. According to my credit file, the date for this fraudulent account was placed on my credit file XXXX XXXX, 2015, and I am just now receiving a debt assumption letter on XXXX XXXX, 2015. 

I would like to state for the record that I have never received a debt assumption letter from them until now ; if they sent any letter previous to XXXX XXXX, 2015, I demand they show proof of mailing and proof of claim that I have ever received such letter. 

I have disputed this with all three credit bureaus and the bureaus claim they have verified the account. How can this be if I am just now receiving a debt assumption letter in XXXX XXXX, 2015, when this has been on my credit file since XXXX XXXX, 2015. 

IF THIS IS NOT THE CASE, THEN WHY WOULD THEY SEND ME A DEBT ASSUMPTION LETTER IN XX/XX/XXXX, IF THEY ALREADY TOOK THE APPROPRIATE ACTION FOR THEM TO PUT THIS ON MY CREDIT FILE IN XX/XX/XXXX.?
hello i am a college student that started my own business to help pay for my education i opened an account with suntrust bank which was the biggest mistake i ever made they have hit me with so many overdraft fees that are not legit when i spoke with a rep she promised me it will be removed they still are showing that i owe it and no one would help my account number is XXXX it has been a nightmare with this bank all i want is to clear this matter out and get away from them i have my account with XXXX XXXX XXXX nothing like this ever happens
XXXX and Experian are not responding to any of my numerous requests to investigate and remove accounts from my credit reports that were opened fraudulently.
I was served papers of my debt. I called debtor to resolve. they had me sign an unfeasble paymeny option or I would be taken to court and sued.i felt under pressure. I actually satrted to feel anxiety. I then asked if I/We could make an payment arrangement and was denied. Now I HAVE TO PAY IN FULL.
I have a loan with CAPITALONE. 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 CAPITALONE 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 XX/XX/XXXX- XX/XX/XXXX.
On my credit a sear account is showing I never receive a credit card from sears and I was not in the us when this account was open. I called sears and was told theirs nothing they can do.
In order to pay the rent as usual I wrote a check for the landlord, but this time I had to do it more than a week in advance because of a vacation leave. Since I did not have enough fundings at that moment in my account I wrote the check putting a date of the future, the date on the check was XX/XX/XXXX ; since the first day of every month is when I usually pay the rent. I told the personnel of the main office in charge of the renting not to cash the check before that date put on it, but they forgot, they are several people there and they are in charge of many apartments. They tried to deposit the check on XX/XX/XXXX ; and there were not enough fundings yet, the Wells Fargo charged me with {$35.00} because the lack of fundings. 

I think that the bank before trying to cash the check they have to verify that the date is a valid one, a current one or a date in the past. It is very common that in the case of inconsistencies they do not want to cash the checks, like in the case when the quantity in letters is a mismatch from the quantity in numbers, or in the case of a misspelling in the name of the beneficiary, or when it is a problem with the signature, or if the check has not been properly endorsed, etc. 

Also in the case of old checks, six months or older, it is common to have issues from the banks when a person is trying to cash those. Then, likewise the bank should not be cashing checks with dates set on the future. 

So, I do not agree with Wells Fargo charging me {$35.00} dollars arguing that my account did not have enough fundings when the check was tried to be cashed before the date given on it.
I have tried numerous times to renegotiate my loan to lower the payment either by lowering the interest rate ( 9.0 % ) and they refuse. I can not afford the monthly payment, do not want to default and can not afford the recently increased payments which are now {$320.00} from {$130.00} a few months ago when I was on a reduced rate plan. They refuse to continue the reduced plan. 

My original principal was {$24000.00} I currently owe {$18000.00}
I purchased furniture from XXXX and all the furniture is broken and defective now. I have n't had the furniture for a year, but the furniture is all broke and defective. I received furniture of poor quality and materials. I was charged {$4000.00} for the future. I sent a complaint to Wells Fargo and XXXX XXXX back in XXXX 2015. I received a letter from Wells Fargo Financial National Bank on XXXX XXXX, 2015, in regards to my complaint. Wells Fargo Financial National Bank informed me, my disputed charge, was valid. Review Consumer Financial Protection Bureau Case # : XXXX. I want Wells Fargo Financial National Bank to issue me a credit of {$4000.00} and send me a new card as well.
On XXXX XXXX, 2016 there was a deposit in my account of XXXX and more dollars and buy the on that same day I had withdrew {$200.00} leave old me {$200.00} plus answer by Monday one of the companies that would draw a monthly had taken out their portion of XXXX. Over the weekend the account was in - {$3.00} by Monday when I would deposited the XXXX that left the account with a few dollars left over and the company money was taken out by Wells Fargo. By Wednesday or so I recieved a call from the company I 've been dealing with that takes out money they informed me yet they have not been paid. When a calling Wells Fargo one of the representatives had an attitude and basically told me there was nothing they can do for me because I 'm not understanding where my money went when I clearly understood once they took out my money they have replaced it on Tuesday of XXXX which they had and for me as well and then came back on that Wednesday and told me I was negative and I can pay for anything which does n't make sense because the other bill is XXXX so if I have XXXX in the account why ca n't XXXX XXXX bill be paid this cycle became very repetitive and irritating
My Account with First Franklin is Paid In Full with a XXXX Balance. However, it is not reporting that way to all three credit bureaus. Also, during the time my account was open, hard inquiries were placed on my credit file instead of soft inquiries on XX/XX/XXXX and XX/XX/XXXX, in which nothing was signed stating hard inquiries would be placed on my credit file. The first original hard inquiry was on XX/XX/XXXX.
I was approved of a Capital One credit card, and received the card about 1 month ago. When I try to activate it, I was accused of identity theft, and they asked me to send a copy of my license, which I did. They told me they would call me in 1-3 days. Since then it 's been agonizing ordeal for me. I did not get any call from Capital One, thus I called them again, then they asked me to provide a copy of my social security card and a copy of my utility bill. I got my social security card some 40 years ago, and I did not have the card in my possession, thus I had to apply for the replacement card, and got the card, and sent them both, but still no response. I called them multiple times, and their responses were that they would review all the documents I provided, and would call me, in 1-2 days last time I spoke with them, but no still no calls. Literally I spent hours trying to solve this problem, but Capital One is keep on accusing me of fraudulent application and the identity theft. I have the excellent credit history, spanning over 30 years. They also sent a letter to my home address in name of XXXX XXXX, accusing me of identity theft, but the fact is that I lived in my current address ever since it was built over 20 years ago, and there was never a person named XXXX XXXX lived in my house. I can'e believe that such a national company like Capital One would have get such a wrong personal information, and accuse a legitimate customer of identity theft. 

Can you solve this problem for me. 

Thanks. 

Sincerely, XXXX XXXX. XXXX, XXXX.