WillisBack/dataset-financial-user-claim huggingface dataset:
Around XX/XX/XXXX I was checking my online savings account with Wells Fargo. I noticed that {$10.00} service fees had been deducted from my savings account for many, many months. These " service fee '' deductions had been occurring even past the statements I could access. I had stopped receiving paper statements when Wells Fargo promoted electronic statements as preferred means of sharing financial information. However, as a result they limit your ability to access the electronic statements to the previous 10 months only. ( The branches will also tell you that they and you are not allowed to access statements older than 10 months. ) I was shocked to discover the deductions when I thought my savings account was designated as a " student account. '' I had previously given Wells Fargo all necessary documentation confirming my enrollment in a XXXX program in XX/XX/XXXX and would be in said program for a minimum of 4 years. 

I was told when I called Wells Fargo to inquire about the service fees that my account status had been changed to a different account type, and therefore the terms of my account had changed and thus the service fees. I was shocked that I had n't been notified of the changes! What was more shocking is that they could n't tell me how many service fees had been charged, and I was also told that the electronic system would not allow them to see how far back the service fees went! I am great with my finances, and I check my online accounts frequently. I felt like the service fees had been charged retroactively, and more than that I could n't even get information on how many service fees I had been charged. It was a shocking and disturbing experience when today 's technology should not restrict this kind of electronic information, but furthermore even the branch tellers could n't tell me how much Wells Fargo had deducted from my savings account. From my knowledge of the balance before the service fees I estimate they stole about {$300.00} from me. 

I tried to dispute the charge contacting Wells Fargo by phone, email and finally going into the XXXX XXXX, CO branch several times. I was told there was nothing that could be done, and they reimbursed my only {$10.00}. It was infuriating. After many, many months of trying to resolve the issue, I closed my accounts with Wells Fargo XX/XX/XXXX. 

It was devastating to me to lose money that is so precious. As a student every penny I have, especially in my savings account, is precious. It was devastating also that my bank who I opened my very first account with at XXXX years old, and who I had carried credit cards with and opened student loans with, could steal from me so blatantly after they have already made money off of me though other financial services. 

I had given up hope of ever properly getting retribution from Wells Fargo, and even now I suspect I wo n't see a penny of the money stolen from me. Nonetheless I remain extremely angry that a bank could so audaciously steal precious savings from me. Thank you for attention to this complaint, and thank you for stopping these predators.
In between the dates of XXXX XXXX 2017 and XXXX XXXX 2017 fraudulent charges were made on an authorized users Amex Platinum Business Account. Within 30 days, I the account owner reported the charges as fraud per the authorized user 's report that the card was lost and the charges were not valid. In between the dates of XXXX XXXX 2017 and XXXX XXXX 2017 I, the account owner, reported fraudulent charges based on the report that the authorized user never received the card in the mail. On XX/XX/XXXX Amex contacted me and stated that the charges did not look like fraud and that they needed a police report from the authorized user. I told the rep that I am the account owner and I will provide a police report that the charges are fraudulent. The rep said that was unacceptable and that the authorized user needed to provide a police report. I informed the rep that the authorized user was no longer asscociated with the business so it is not possible to compel the former authorized user to file a police report. Under the Fair Credit Billing Act my maximum liability is {$50.00}, but Amex is telling me that I am responsible for {$8600.00} in fraudulent charges that were promptly reported as fraud.
My late husband ran up huge debts, some in his name, some in my name. He XXXX XXXX in XX/XX/2015. My was XXXX XXXX, according to Texas law. I am being threatened by ARS, a company in California, for a XXXX card. I did not use, and was not even aware of that card. Apparently, XXXX XXXX XXXX " dumped '' an overdue card of his own, probably an XXXX XXXX card, onto a card in my name. I wrote a letter explaining this to XXXX, when I discovered the debt on my credit report. Now, almost three years later, I received a letter from ARS, threatening me, if I do not pay them, for outstanding debt of that card. I have sent a letter to them, as well, with a more lengthy explanation, and other supporting documentation. I will attempt to attach a copy here, without the other attachments, but will supply those, as well, if necessary. The most important this is : THIS IS NOT MY DEBT. If I am sued, I will fight this. I never used that card. I am XXXX. I sold my house to pay off any debts that might have been mine. I do not own a car. I think these people will be ruthless, and I am afraid, because, as I said, THIS IS NOT MY DEBT, and I am in very poor health.
I initiated a wire transfer from my XXXX XXXX account to my Chase Checking Account. Eight days after I initiated the transfer, Chase still did not credit me for the amount that I transferred. In addition, the wire transfer team was not helping me in locating the money.
I am just at my wits end. I am being threatened with a suit by some huge Law Firm called Mandarich Law Group , LLP for a debt I have no knowledge of. I am a victim of Identity theft and I have lived at my current resident for several years and I have never received a notice from this law firm until now. 

In addition, they ( Mandarich Law Group ) claim they are collecting for their client who is XXXX XXXX XXXX whom I have never been contacted by, however they are a collection agency. The collection agency according to my credits says they are collecting for XXXX? 

Is this legal can I in fact be sued for something I know nothing about? I was never contacted by XXXX who is suppose to be the original creditor, nor have I been contacted by XXXX , XXXX who is suppose to be the collection agency collecting on behalf of the original creditor. 
I was only contacted by the law firm with a DEMAND letter dated XXXX XXXX, 2015 that I received on XXXX XXXX which they said in the letter I have 10 days to respond when I received the letter 10 days from the date of the letter.
A data breach of Equifax resulted in the disclosure of my highly sensitive personal information entrusted to Equifax. Equifax was negligent in their storage of my data and is responsible for its protection. They have made no attempt, to my knowledge, to contact me, and evidence suggests that they were aware of the data disclosure for months yet did nothing about it to protect me.
Beginning XXXX XXXX, 2017 public record date collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain at minimum identifying information to be collected at more frequent intervals as follows .... Minimum reporting of :1 ) Name, 2 ) Address, and XXXX ) SSN and minimum frequency of courthouse visits to obtain newly filed and updated. There is no way this inaccurate information could have been accurately verified because I spoke with representative from the alleged verifier XXXX XXXX XXXX XXXX and they have confirmed that it was not there on their report.
I have a credit card with Bank of America that had a balance of {$640.00}. I logged into my user portal on XX/XX/2018 and chose to pay off the total in full ; with the same XXXX XXXX XXXX checking account that I had previously been paying the minimum of {$25.00} with automatically each month. 

When I checked two nights later, XX/XX/2018, my XXXX account showed two withdrawals by Bank of America of {$640.00}. This put my checking account balance into the negative at $ XXXX. 

I called first thing the next morning to get the situation corrected and spoke to a representative named XXXX. He offered to send a check of the full amount through the mail and said it would take 7-14 days to arrive, but being the end of the month and having no money, I informed him of my situation and of my upcoming bills. He then offered the faster method of depositing it back into my bank account and asked for my bank account and routing numbers that I would like the money deposited into and said it would take at most 3 business days. 

Subtracting the weekend, yesterday, XX/XX/2018, would have been 3 business days. When it didn't arrive today, XX/XX/2018, I went to my local branch at XXXX XXXX XXXX XXXX, XXXX, WA XXXX and spoke with a representative there. I informed her of my situation and informed her I couldn't wait any longer for my money. I have no cash and still the same negative amount in my checking account. She called into her company phone line to check on the status of the transaction and after speaking with someone told me that even though it was going back to my checking account, it would still take 7-14 business days to deposit into my checking account and was confused as to why the person I spoke to before would guarantee no more than 3 business days. She then told me if I had a checking account through them as well and had used that to pay off my credit card that it would be faster to get my refund, but that since it's an outside bank, there's nothing she could to speed up the process. 

When I asked if we could cancel the refund transaction and just give me the cash so I can deposit it into my checking account at XXXX she told me that was impossible and said my credit card has a cash advance option on it that I could use. I told her I don't want to have any more financial dealings with her bank and that {$200.00} cash advance would not pay  the bills, much less my food or gas for my car. 

I went in to my local XXXX branch on Saturday XX/XX/2018 to get inform them of the situation and they reversed the overdraft fee, but that was all they could do for me. I'm currently at a loss of what to do next and frustrated by the fact that they would be able to take money out of my checking account without my permission and within a day or two but can't return money from their mistake for two weeks.
Transunion is refusing to remove outdated negative information from my personal credit report. There are multiple accounts with XXXX XX/XX/XXXX that include late payment history from XX/XX/2012 indicated on my credit report. These late payments began XX/XX/12 according to XXXX. I have disputed this information with Transunion multiple times yet they refuse to delete this outdated information. They do not list a date of first delinquency on my credit report nor are they able to provide a date of first delinquency when I have contacted them by telephone. 





It is my understanding on the FCRA : Late payments remain on your credit report 7 years from the original delinquency date, regardless if the payment is made and the account is current or if the account is closed and the payment is never received.
I am requesting that XXXX provide debt validation for account ( XX/XX/17 ) listed on credit report Debt validation in the form of an original bill and detailed statement of procedures is required.
I received a voicemail today ( XX/XX/17 ) from a number I did not recognize which was a recording stating that I was in default on a tax bill and a bill collector would be coming to my home. It told me to call their number immediately. I called back very upset because I dont owe taxes and have heard of this scam before so I demanded to be taken off their list. I was informed by the man who answered that it was intended to get me to call and that he was from Advanced Call Center. He laughed at me while he said this because I was so upset that my voice was raised. I was shocked at him laughing and at this deception so I hung up and immediately sought out a way to report the company. I am paying a small monthly amount on a credit card balance they are trying to collect. I have been in contact with them before and they know Im paying but they continue to call me multiple times every day. In this instance I believed that a tax debt would be due to a municipality or the federal government. Clearly they impersonated such a department in order to get a reaction and it is an obvious violation of the Fair Debt Collections Act.
I have my business and personal banking at Wells Fargo and have for 20+ years. I am in the process of refinancing my equity line on my $ XXXX house. I got approval, but they claimed my XXXX credit score was XXXX vs. the XXXX rating of XXXX which is a gap of XXXX. I have asked to understand the difference and see the report, but they decline. They state the only obligation they have is if my credit is declined. Given I was not declined they can state without any checks and balances what my credit score is and I have no recourse. This has caused for my equity rate to go from XXXX + 0.25 % to XXXX + 1.75 %. The only action he stated was to reprocess the application, but given I have no visibility to what they use as the basis for their underwriting and pricing, I am subject to whatever they decide to offer. This is not how lending is suppose to be under the Fair Credit Act. Please advise what recourse I have as this is not the way lending should be for a consumer. Moreover, this completely relegates or negates XXXX and the XXXX credit agencies as a basis of judgement for credit. Again, please advise my recourse and options available. Thank you, XXXX XXXX XXXX - XXXXXXXXXXXX
On  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  a credit inquiry was made without my consent or notice.   This bank has many complaints of identity theft.   This bank is Barclays Bank Delaware  XXXX   XXXX   XXXX ,  XXXX , DE  XXXX
I have tried contacting Experian about inaccurate information on my credit report. I can not get through or get a response when I have already submitted all the requested information for proof of identity. 
My issues : 1. ) The balances in my accounts are inaccurate, this needs to be corrected. XXXX Credit Card has a balance of XXXX that is incorrect. I have called XXXX and they make monthly reports to Experian. XXXX last reported it back in XXXX/XXXX/XXXX. My current balance should be XXXX I believe. 
2. ) XXXX XXXX XXXX Account : That account is paid but the account is still open it should show as closed and paid. Balance should be XXXX. 
3. ) My report says that I have too many delinquencies when in doubt the only delinquencies I have are back in XXXX, XXXX. Being back in boot camp I had my identity stolen. Then in XXXX or XXXX XXXX, I was in training in XXXX. My XXXX XXXX Credit Card went past due 30 days back then and it was because there 's no communication between XXXX and the United States, so I could not make a payment when I was overseas. Those are the only delinquencies I have on my credit report. 
4. ) The inquiries on my credit have been for a purchase of a vehicle. I inquired for a vehicle loan within a month and this should not affect my credit report, please correct this.
I have some Credit cards that have not shown up on my credit as being paid on. When I contacted the companies, i.e., XXXX XXXX, I asked them why is it that you reported to Equifax I made my payment if XXXX but not the other two. The contract that binds between the credit card company and the credit card holder specifically states the credit card company will report to all three credit bureaus. This is not the only company I am having problems with. It is directly affecting my credit score. When I asked XXXX XXXX to show me and ask for proof that they did report to all three credit companies they refused to provide me with any proof.
I CALL IN XXXX THE FIRST WEEK STATING THAT I HAD INQUIRES NEED TOO BE REMOVED DUE TOO FRAUD IN 2015 NOTHING HAS BEEN DONE
Bank of American is charging me for " residual interest '' but can not produce any documentation, disclosure or terms and conditions for the card, talking about this residual interest. 
The bank representative and manager told me I was supposed to hold on to the paperwork I got with my card when I first received it years ago ; they said that was the only way for me to get the information. I had this card for years and do not have this hard copy of the disclosure. They later told me I could get a copy of the disclosure if I applied again for the same card, because I would received another hard copy withthe new card. This did not make any sense. 

The representatives later admited that this information " could '' be in the paper bill but it is not in the e-Bill, which means costumers ( like myself ) who choose e-billing per the bank 's recommendations to go green, are not informed about this residual interest calculation either. So, I am being charged residual interest when I have no access to any information on it. 

I had a {$0.00} balance since XXXX/XXXX/16 and Bank of America charge me " residual interest '' in their statement for the cycle that closed on XXXX/XXXX/16, 3 weeks later. 

I had this card for years under the impression that as long as I paid off my balance before statement closed I did n't have to pay interest for that period. No one at Bank of America has been able to produce any documentation stating otherwise. 

I am being charged interest on a {$0.00} balance, based on policy changes that I was never informed about by Bank of America, and they refuse to provide any documentation related to these interest calculation practices. 

Thank you. XXXX
One XX/XX/XXXX I divorced my wife and left her the house in the divorce. To this date she has yet to make an on time payment on the house. My name is still on the mortgage and she has been damaging my credit. In XX/XX/XXXX a loan modification was done without my consent. The modification did not remove me from the loan or relieve me of responsibility in anyway, yet it extended tge term of the loan, again, without my consent. I have requested documentation on this from Midland Mortgage Company several times and have yet to receive it. I fail to see how a bank can legally do anything to a mortgage with my name on it without my signature.
XXXX XXXX XXXX  XXXX XXXX  fraudulently had me fill-out a credit application stating that's the only way they legally could sell me a car ( I had declined to fill it out five minutes earlier ) and so your institution illegally accessed my credit via a hard inquiry with Transunion. I had declined XXXX  XXXX XXXX credit and offer to match the financing through XXXX  of 60 months at 2.64 % and XXXX XXXX XXXX XXXX at XXXX XXXX submitted them anyway.
XXXX XXXX applied for XXXX loans to get a XXXX submariner and was rejected. He subsequently used a Capital One Credit Card to make the purchase. All security channels deemed it high-risk except XXXX. XXXX cleared it and so we shipped the watch. An adjustment was made in the order when I informed him that the specific model he ordered was no longer made by XXXX and under their warranty. After which, I refunded him the difference. The watch was shipped. He returned the watch, but the watch weighed less that it did when we shipped it. We subsequently, returned the watch to him. He submitted a chargeback claim stating that he never received the watch. However, that is not true. Accordingly, Capital One did a chargeback on the transaction and XXXX XXXX has his {$13000.00} and the {$13000.00} XXXX watch. Since we have been negatively impacted by credit rating and with XXXX, we request that we receive our money plus expenses.
My name is XXXX XXXX. I own my house XXXX XXXX 1998 and never missed a paiement. Recenlty my mortgage loan has been sold to a new company, Volunteer loan mortgage servicing. It has been more than 6 months and this new company havent reported my mortgage loan to the credit bureau and it is hurting my credit report. I told them about the issue and they promise me that they would fix it but still nothing. I am applying for a home loan refinance but when my credit report was pulled my mortgage loan did not show. Thank you
I have never owe any money to XXXX. XXXX never holds any senior secured lien on my property. XXXX never provided any proof of claim on my property. I have never entered into a contract or any security agreement or voluntary lien with XXXX, I have requested numerous time R.E.S.P.A. QUALIFIED WRITTEN REQUEST. Such as any alleged Loan History, all RECORD HISTORY. Do you have servicer right,
In XXXX, I sent letter to all XXXX collection companies regarding bankruptcies I filed in XXXX and XXXX ( same bankruptcy, but had to refile because of attorney mistakes ). I explained that it had been more than 10 years and that these XXXX item should be removed from my credit report. As of the date of this complaint, both remain on my credit report. I believe that it is still affecting my credit score. Since that time, I have had a great payment history and I would like to have those items removed.
Year XX/XX/XXXX-XX/XX/XXXX various companies. I have no clue who 97 % of them are.
I got a phone call from my sister on XX/XX/XXXX, stating at a company was trying to reach me regarding a debt. She gave me the number XXXX and claim # XXXX that they gave her. I called the number and didn't hear how they answered or the business they were with. They asked for the last 4 of my SSN and then repeated the entire number back to me. They told me they were contacting me about {$800.00} I owed Ace Cash Express from XX/XX/XXXX and asked if I intentionally closed my old bank account because they were looking at legal ramifications. I told them I never closed the account and it was never intentional, but I was going through a rough time and had paid the debt down to {$600.00}. I asked them the name of their company and they told me " This is statewide. We are a pre-litigation firm. '' They asked if I'd been served to appear in court at work or home and I said no. I told them I could pay the debt next month and then they said they needed to pre-qualify me for a payment arrangement and asked how often I got paid. I then asked them to mail me something in writing so I could verify the information. They refused, saying that if they did that, they couldn't help me and the company would be forced to have me appear in court. I told them I was just asking for verification of the debt. She told me she would transfer me to case management and when I said I just wanted it in writing and she wasn't helping me, she tried to transfer me again. I cut her off, saying to have a nice day and she screamed into the phone " have fun in court! ''
The bank 's mistake led to overdraft charges on my account. The bank 's discriminatory practices will not allow me to make ATM deposits on weekends or holidays. Charges that where apparently on hold where not included in my available balance. After making several charges, the charges on old then appeared forcing my account into a negative balance. The bank then added several XXXX dollars in overdraft fees. The bank refuses to deduct the overdraft charges and places the blame on the consumer.
I have been trying to order an appraisal that I will pay for ( request to remove PMI ) since XXXX XXXX. Through lost paperwork, wrong " action codes '' entered in their system and overall lack of response I am still sitting here on XXXX XXXX waiting for someone to just call me to set appraisal date. I did get a call from them on XXXX XXXX promising a call within XXXX business hours. No call. So since then I have sent multiple emails and left XXXX voicemails and response from them besides the automatex email responses.