WillisBack/dataset-financial-user-claim huggingface dataset:
opened a dispute for items i never received, called td bank on the phone in XX/XX/XXXX wanted to dispute XXXX they told me i could n't dispute half of the amount had to do the whole amount which was XXXX, but i said i received some items and only wanted the XXXX cause i was promised to have parts by then. they put my dispute in for the entire amount. call them back and said that i talked to person sending items that they where coming. asked td Representative if something changes can i reopen dispute and he said yes. so in XX/XX/XXXX i called back to reopen 1st dispute and once again i said only wanted to dispute the XXXX and they wrote it up for XXXX after i told them it was supposed to be XXXX, they refunded me the money on XX/XX/XXXX. thought they settle it with company i bought from. 7 months go by and i get a letter stating they are reversing the charges back letter was dated XX/XX/XXXX, i did n't receive the letter till XX/XX/XXXX, and they are taking the money out on the XX/XX/XXXX which i did n't authorize. i went to td bank in XXXX and talk to a representative and tried to tell her that i need to reopen the dispute for the right amount that I 've been telling td was for XXXX and the response from td bank cause my debit card was a XXXX logo on it that there are denying cause i opened 2 claims. i gave the all the documents proving i never received the items with all the emails from vendor stating i asked for a refund and nothing came from going to vendor avoiding response from him. vendor scam or fraud cause still have n't received items so i feel i should have to pay for something i did n't get. now my bank account is in the negative and i 'm incurring charges.
ditech said i owe back payments talk to a lady and made a deal to catch up on payments so i been making extra payments.but i keep getting letters from them that i haven't made any payments an i get conflicting letters telling me different amounts i still owe them.the lady is rued on the phone they do not know want they are doing it seams to me they just want my house and keep telling me there are going to foreclose on me.i don't know what to do anymore i am stressed out about this.
In XX/XX/XXXX I moved out of my home that was mortgaged with Flagstar Bank. 
XXXX Loan # XXXX XXXX I rented the home until XX/XX/XXXX when my situation dictated that I could no longer afford the home to to debt, divorce, car loans, 2nd Mortgage, etc. I tried to get Flagstar bank to refinance my home at the appraised value which was {$60000.00}. They refused to help me even though my loan amount with my 1st and 2nd was over {$100000.00}. I could not make the payments and could not rent the home to recoup what I owed per month. I also fixed up the home and tried to sell it at the lowest amount possible. Nothing worked. 
I walked away from the home due to these factors and Flagstar took it back and sold it afterwords. I am now trying to refinance my current home and can not because this is still showing up on my credit score because of the gap between what I owed them and what they were able to sell the house for. I received no help during my process of trying to keep the home at a reasonable amount due to the constant hurdles and road blocks put up by the finance department at Flagstar.
XX/XX/2016 I refinanced my home with Nationstar Mortgage company, and established an escrow account out of which taxes would be paid. In XX/XX/XXXX I received a bill from my county - XXXX , County Va - for my property taxes. I called Nationstar to make sure they would be paying taxes out of escrow and they assured me they would. In XX/XX/XXXX I received the first of many late notices from the County. I began calling customer service to find out why the payment of my taxes was n't paid, escalating to supervisors but not getting answers. Then, in XX/XX/XXXX, I received notices threatening seizure and sale of my property. During this time period - from XX/XX/XXXX to XX/XX/XXXX - I made over 15 calls to Nationstar only to receive promises that they would research my claim to find out why my taxes had not been paid. Each time I called was told they would need to do research and get back to me in 3 days, which they failed to do. I then called another service number which was supposed to be an escalation phone number. My escrow account had the funds to pay out the taxes but again I was told that there was research needed and they would get back to me but even they refused to follow up and the taxes did not get paid. Finally in XX/XX/XXXX, after receiving notices from the county that my income tax refund was being held until my property taxes were paid, I found the number of a VP of Customer relations and called to tell him my problem. Again I received promises of resolution but did not get returned calls. After recieving a summons from the County to appear in court, I emailed a copy to the VP requesting confirmation of receipt. I did not hear back from him nor anyone else at Nationstar. I found another number on the internet and I escalated to another VP. As of today, after over 20 calls to various parts of Nationstar over several months, I have another promise that the money has been sent to the county. The county has n't recognized the payment and I have 2 days to make sure the property taxes are paid or I have to show up in court. My income tax refund of over {$1000.00} is being held by the county, I have a summons to appear in court, and my previously pristine credit rating is likely destroyed
We had XXXX accounts at Wells Fargo during the time they opened XXXX fake accounts. 
I can only assume that that at some point that will impact our financial status. 
How de we search to find out if we were victimized with fake accounts using our personal information? 
Regards, XXXX XXXX
I had had an existing credit line product with my bank, Wells Fargo. On XXXX XXXX, I called the customer service to find out what are my options to increase the limit from {$10000.00} to {$15000.00}. The representitive I spoke with was XXXX XXXX at XXXX XXXX XXXX, extenstion XXXX. Initially I was told the only way to increase the limit is to open a brand new credit line. After some back and forth, I was finally offered a increase if I file an application over the phone, so Wells Fargo can process it and pull a credit report. I agreed and proceed with answering the questions. XXXX of the questions was whether " I am a XXXX resident ''. I answered " No, but I am treated as one for all financial institutions and for tax purposes ''. This is due to a fact I am not a green card holder, but a XXXX visa holder instead. I heard a little hesitation from the representative voice, but he proceeded with the application. I was told that the bank will contact me within XXXX hours with the decision. 
From there, things went downhill. I was never contacted by the bank. I reached out again to find out regarding the application status ; I was denied. Subsequently, I showed up in person at the WF branch to gather more feedback regarding the application. I spoke with XXXX XXXX and his senior co-worker. They had very difficult time navigating the system to provide a true reason of denial. This was caused by multiple application WF made for my name without a reason ( applications XXXX and XXXX ). Finally, after an hour long wait and calling several WF departments, I was told that my request to increase the line was denied due to " non-resident status ''. I am still very perplexed as to an explanation I received from personal bankers at the XXXX 's WF branch ; they said WF allows non-resident aliens such myself to apply to avoid any discriminatory charges, however, it automatically denies these applications. So how is it? Is it fine to discriminate on back end, but not on front? I understand the bank has a right to establish its own underwriting standards, but I expect a higher level of transparency. Wells Fargo allowed me to apply knowingly I will be denied. The bank did not act in my best interest ; especially as it pulled a credit report. Now, I have a hard pull inquiry visible to anyone for two years. I am extremely disappointing about the discriminatory consumer practices, lack of transparency, and misleading behavior. Other financial institutions such as XXXX, XXXX, XXXX XXXX have made steps to do further due diligence in such cases ; these banks move application into a pending status and request an additional information to substantiate my status.
Due to several times of having both bank savings and checking accounts being hacked, Wells Fargo, without any notice, froze out both my checking and savings accounts the week beginning XXXX XXXX. They said that my account would be liquidated by XXXX XXXX and any remaining funds would be sent to me. 
Therefore, any outstanding checks I had written were not honored by Wells Fargo. Luckily there were only XXXX checks. I was able to contact the XXXX of the XXXX companies in which I had written checks. However, XXXX returned ( XXXX ) checks that were both written on XXXX/XXXX/2016. XXXX automatically charges {$30.00} service charge for both checks. 
I understand XXXX policy and do not fault them. However, I do take exception to Wells Fargo for if they had allowed any outstanding checks to clear, this would not have happened. 
Wells Fargo should return the {$60.00} back to me in addition to the money they still owe me as well as what was taken out of my savings account ( already wrote to CFPB on this in a previous complaint ). Thank you.
From XXXX XXXX, 2016, through XXXX/XXXX/2016 I have contacted Equifax 4 times, by certified mail. Each time I have reported information concerning XXXX credit accounts that were fraudulently obtained, using my personal information. While XXXX, XXXX and XXXX immediately corrected the false data, Equifax has now failed for 60 days to comply with my requests. It appears to have initiated no investigation. It appears to fail to acknowledge information submitted to it by the defrauded credit grantors. ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Bank, XXXX, and XXXX Bank. )
Jefferson Capital s ystems is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or  XXXX   ) t his action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.      Jefferson Capital s ystems are in violation : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
On theXX/XX/XXXX I sent out a certified letter requesting that this account be validated and not verified I specifically requested three things * the original signed contract from me to the orginal doctor to release my medical records to collections information bureau also know as XXXX XXXX XXXX. ( HIPPA ) * original doctor statement of procedure * cease all reporting to all major credit bureaus until the documents have been reviewed and validated by me. 

I specifically stated the original documents that if I did not receive the original documents that it would be deceiving the information received by this company was this evening the original document of the statement from the hospital was dated XXXX XXXX XXXX if this procedure was done XXXX XXXX why does the statement show XXXX this is deceiving this is something that was printed up after receiving my certified letter furthermore the signed document received does not state that I gave the hospital permission to give this company my personal information on this alleged debt it is now XXXX XXXX and this company is still reporting in inaccuracy information on my credit report
On XX/XX/XXXX I submitted regular mortgage payment plus {$50.00} for principal payment to be applied. This was a friday so the payment would not come out until after XXXX XXXX so I expected the full payment to come out by XX/XX/XXXX. On XX/XX/XXXX I called my normal bank where I hold my checking account to check if my Mortgage bank had taken the fees and payment out. they had not. On XX/XX/XXXX I filed a Research Request with my Mortgage Bank to locate any trace of them trying to take out my payment that I had scheduled, I also contacted my Normal Bank where my funds are, and they had no record of my Mortgage Bank even attempting to take money out. I have other bills, debts so the money was not going to stay in my account forever and I was trying to get the Mortgage company to hurry and take out the funds. <P/>XX/XX/XXXX the Mortgage bank tried to take the money out of my account at a much later date than i had previously expected, hence throwing off my money management schedule, and bouncing back with NSF funds because the money was NOT in my account. Now I am being asked to pay 2 x the mortgage amount and that is unacceptable! I did my part, always paying on time since I signed into this Mortgage, and I have NEVER missed a payment.
When my mortgage loan was closed, my property taxes were improperly funded. As a result, I faced an escrow shortage of {$4500.00} for 2015 property taxes. At the time my loan was serviced by XXXX. They agreed to spread the {$4500.00} shortfall over 60 months, which lessened my financial burden. My loan has been transferred to Carrington Mortage Services, and while they have agreed to spread my escrow shortfall, they did not keep the same escrow repayment terms in place that I had agreed to with XXXX. As a result, my monthly mortage payment is increasing dramatically and causing me financial hardship.
In late XX/XX/XXXXand early XX/XX/XXXX I was the victim of fraudulent charges on a number of my accounts perpetrated by XXXX XXXX XXXX of XXXX TX. XXXX is now in custody, but at that time was living as a guest with my son in XXXX TX. My son asked XXXX to leave, and was subsequently robbed and vandalized by XXXX in retaliation. Included in the items stolen was a computer that belonged to me. XXXX used that computer to make purchases without authorization. Included in those purchases were eleven transactions for XXXX purchases charged to my Chase card in the amount of {$1300.00}. Other charges were also made on other accounts and to XXXX XXXX XXXX for equipment ordered, but this complaint is against Chase Bank Card Services who initially reversed the charges, but subsequently reapplied all charges with the reason " You received benefit from this transaction ''. 

We did not receive any benefit whatsoever from these transactions. We believe that the items ordered were shipped to my son 's address where XXXX had been staying, and were intercepted by him ( along with other items not charged to Chase ). 

In XX/XX/XXXX I filed three complaints against XXXX XXXX XXXX : XXXX TX Police Department -- Police Report Federal Trade Commission -- Identity Theft Report Federal Bureau of Investigation -- Internet Crime Complaint As I already mentioned, XXXX is now in custody in XXXX County.
Earlier this month my identity was compromised. This thief has just about all my information and has opened credit cards and accounts credit unions in my name. I need to put a freeze on my credit report and need a copy of my credit report immediately. I have had extreme difficulties doing this with Experian and still have not been successful. 

My identity was compromised on XX/XX/2018. Since then, multiple credit cards have been attempted to be opened in my name. I believe one was attempt was successful but I am unable to find out what company the credit card was opened with because I cant access my credit report. 

I have tried to do this over the phone and online with Experian and have been unsuccessful. Also, when I attempt to access my credit report online with annualcreditreport.com I am unsuccessful because my information for the Experian section can not be verified. It is extremely imperative that I receive my credit report so I can contact every creditor on the list and notify them that my identity was compromised and that these accounts need to be canceled immediately. 
I am also unable to freeze my credit report through Experian. When I call or attempt to do so online I receive a notification that it can not be completed. My phone calls are consistently a dead-end. I need to speak with a representative at Experian as soon as possible. 

This thief also opened an online account with XXXX with my personal information, but with their email address. This has been confirmed with XXXX. The thief used my name, SSN and other personal information to create an account but used their own email address and other login information. I cant retrieve this account login information because I obviously do not know their email address or answers to security questions. I believe this is the case for Experian as well, but again, I can not get through to Experian in any way. 


Thank you in advance for your help.
I requested to have this secured credit card account closed back in XXXX of XXXX. According to XXXX Bank rep this account would be close and their would n't be a balance left on the account because it was a secured card and you can not charge no more than what you have available on the card. My credit card limit was {$300.00} and I could n't charge no more than {$300.00} on this card. After closing the card and them crediting my account {$300.00} it left me with a {$0.00} balance and all of sudden a month later they let a charge go through for {$200.00} and something dollars, and the charge was not related to me at all and I told them it was not my charge it was fraudulently and they reinsured me it would be fixed and I left it alone trusting them to take care of the charge that was not mine. Months and months goes by never heard back from them so I 'm assuming everything was okay only to find that this company reported to the credit bureaus I owed them {$290.00} which is not fair and very untrue.
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and correct accounts in my credit reports that are reporting incorrectly.
On XX/XX/XXXX, I filed a refund request with Best Buy credit card services for the debt protection fees that have been charged in my account on a monthly basis since my purchase on XX/XX/XXXX. At the time of this purchase, my credit card account was reactivated, after being inactive for over a year or so from a previous purchase. With this purchase on XXXX/XXXX/XXXX, I agreed to pay {$3600.00} for goods and services as stated on my receipt of purchase. I agreed to 24 months financing with zero interest. I did not agree to the debt protection services or to any additional services, insurance or coverage. After the purchase I received a new card in the mail with a statement balance of {$3600.00}. I set up a new online account and began making automatic payments from my bank account each month between $ XXXX- {$250.00} each month. After 17 months of payments, I felt that I should be close to paying off the balance. Only after opening a previous statement did I realize that I was being charged the debt protection fee. This charge is not visible on the account summary and is buried on the statement. This charge was being placed on my account after my monthly statement was issued on the XXXX of every month, 6 days after the bill was due. This is an intentionally deceptive and illegal practice. I have been charged this fee, in varying rates, every month since XX/XX/XXXX, totaling {$340.00} in fees to date. 

I am absolutely outraged that a company thinks that it is acceptable business practice to charge fees on an account a week after the statement has been issued especially when a customer has not agreed to the services. In fact, Citibank is well aware that this is illegal. I guess that the XXXX in relief payments made to their customers and the XXXX penalty payment made to the Consumer Financial Protection Bureau was not enough for their company to stop this unlawful business practice. 

I did not enroll, elect, opt in, authorize or agree in any way to pay for this coverage on this purchase. I requested to be refunded immediately in full the total amount of fees charged to my account. I was told that my request would be reviewed within 30 days but I did not receive any documentation that a request was submitted, only a verbal statement from the debt protection services department. It 's fair to say that I do n't trust that they have their customers ' best interest in mind, nor do they plan to refund my account without a fight and legal persuasion. 

The agreed principle balance is {$3600.00}. To date ( XX/XX/XXXX ), {$3100.00} has been paid towards the principle balance due, with a remaining principle balance of {$500.00}. I have requested that the outstanding {$340.00} in unauthorized fees is to be refunded to my account no later than XX/XX/XXXX, the due date of my next statement.
I am being sent to collections for XXXX for a purchase I never made and a credit card was takin out apparently in my name with out my permission.
In response to you CFPB response " We were not able to verify that you were advised that Wells Fargo Dealer Services ( WFDS ) would be waiving the final payment on your loan, nor was there a reason for the payment to be waived '' I was not advised that Wells Fargo would be waiving the final payment, but that option was presented to me by whomever I was speaking with in the Presidents office at that time. What I did not know at that time was that I should have been provided a CASE NUMBER ( none was offered ). 

In the interim, I waited for a response from Wells Fargo for the request to waive the last payment offered to me by the Presidents office employee. 

No response arrived and my wife made me aware that the account was delinquent. 
The final amount was not an issue and I would have paid it IMMEDIATELY had the offer to waive that same payment had not been made to me. It makes NO SENSE to me at all to ruin my credit by shirking my responsibility of paying the last payment after paying EVERY OTHER PAYMENT. 

Due to the incompetence of the Wells Fargo PRESITENTS OFFICE staff, this situation has been created this absurd round of communication by myself and my wife and is usurping a great deal of my time to try to get Wells Fargo to take responsibility for the situation that they created. 

I dont need Wells Fargo to admit that they made an error ; I dont need Wells Fargo to admit that they have incomplete notes and are not able to verify that their employee made an offer to waive the last payment, I do need Wells Fargo take responsibility for creating this situation and correct the credit reports delinquency entries.
I applied for a Canival Cruise Master Card to go on a Cruise. I Got apporoved but I never got my Credit card iin the mail. I had to go out of the country for XXXX. I has a friend paying my bills. She thought the debt was mine so see was paying the payment. When I came back I found out my debt on that card was up to over {$2000.00}. I should of only owed at little over {$600.00}. Never got a card all except the one is not mine.