WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX Friday afternoon within the XXXX XXXX. hour, I XXXX XXXX XXXX XXXX   walked into the Wellsfargo, XXXX  location, Branch in XXXX XXXX, Texas, ( XXXX Area ), to withdraw XXXX dollars from my Savings account. There was an issue with my newly issued Wellsfargo check card or the system. This was told to me by the Bank teller. She immediately called the Branch Manager, XXXX XXXX over to assist. He some how okayed to processed with the transaction. I went thru the process of attempting to withdraw my XXXX  from my checking account 3 times. Two attempts did not work by placing the chip checkcard into the machine at the teller and pushing in my pin, so the 3rd attempt had to be done manually, by writing on a withdrawal slip my withdrawal amount and giving it to the teller. Please be advised that at this moment around {$3800.00} dollars are so was in my checking account. {$380.00} in one ( Savings ) way2save account and {$150.00} in another ( Savings Account ).

On XX/XX/XXXX Friday night I checked my account to prepare for the next day and account showed the {$2000.00} dollars withdrawal and then a deposit of {$2000.00} with both of my Savings were depleated to XXXX funds because of this error on Wellsfargos behave as well as over draft fees created by this system error. I screen shot this for proof and evidence.

I discovered this Saturday morning, XX/XX/XXXX around the XXXX XXXX to XXXX, a negative balance of $ XXXX dollars. It also showed 3 separate in store branch cash withdrawals of {$2000.00} dollars totallying {$6000.00} dollars, which took all of my savings and then placed me in the negative.

I drove to the Wellsfargo, XXXX location and while in transition the Teller that made the transaction called me with to attempt to explain this error. Upon arriving to the Wellsfargo Bank I was greeted by gentleman name XXXX by name asking if I was XXXX XXXX. I said yes and he walked back to inform the Branch Manager which I saw through the Bank Teller glass. XXXX stayed back there and never addressed me concerning the matter. He had a cringing demeanor as if he did not want to explain this error to me face to face. I stayed for about 10 mins and upon being informed that there was going to be a temporary miscellanious funds placed in my account and that there was nothing for me to do, by XXXX  the floor representative, I left seeing that there was nothing for me to do concerning this matter.

The weekend passed and on Monday, XX/XX/XXXX morning my account showed {$900.00} dollars in my checking with overdraft fees and both my savings accounts still at XXXX  dollars. Monday passed and on Tuesday, XX/XX/XXXX there showed XXXX and XXXX funds in both of my Savings accounts with overdraft fees totaling XXXX.

I again screen shot these unjustly errors.
Hello, I have USD Wallet in my Coinbase account and I have made three transferences from my bank account ( XXXX XXXX XXXX ) to my Coinbase Account. These transferences were made the X/X/2017 ( {$700.00} ), the second one was X/X/2017 ( {$300.00} ), and the third one the X/X/2017 ( {$2000.00} ). I can see the total amount is in my account but I can not buy or withdraw the money. Each time that I try to move it I get the following message : " Before you will be able to complete this withdrawal, you must provide additional information at https : //www.coinbase.com/ssn. '' I have provided several times the information that they are requiring but the system does n't recognize it. I have emailed them twice but I have not got any answers from them in a week. I am an XXXX XXXX with an XXXX, and I have a job XXXX XXXX, so I have a Social Security Number. I am hoping that they can verify my identity ASAP, since they were able to verify my identity through my Texas Driver License before. Thank you in advance.
To who m it may c oncern, I called  XXXX   XXXX  and spoke to a woman by the name of  XXXX  in reference to a late payment of more than 30 days past due at not fault of my own.  XXXX  was quite rude and condescending while I was trying to explain the situation and remedy the problem. The situation arose because I purchased a new boat and traded in my  old one a nd there was an error that resulted in the payment from the boating company to the loan provider being late, more than 30 days which negatively impacted my credit. When I noticed the huge impact ( a decrease of  XXXX  points ) on my credit, that I have worked so hard to get to a good point, I called  XXXX    XXXX   and spoke to  XXXX  who again, was rude, condescending and provided no resolution or support and basically told me, " It 's not their problem. ''
XXXX is reporting a different amount owed on each credit report. Non of the balances are the same and they each differ some by over {$2000.00} in balance. I 've sent letters in the past asking them to correct the issues but the balances still remain uneven. XXXX just removed two of the loans but equifax and XXXX has not.
On XXXX XXXX, XXXX Bank of America sent me a copy of the appraisal used to estimate the market value of my home. According to the letter appraised value of my home is {$380000.00}. When I reviewed the appraisal completed by Bank of America I found the report based on incorrect information using my home was built in XXXX. I gathered information from the XXXX XXXX XXXX XXXX XXXX 's public records. According to XXXX XXXX Assessor records ; my home XXXX XXXX XXXX XXXX, CO XXXX was built in XXXX XXXX Story/Ranch, Total Above Grade Area XXXX. XXXX XXXX XXXX {$360000.00} and XXXX XXXX XXXX {$29000.00}. 
The XXXX comparables used by Bank of America were ; XXXX XXXX XXXX, CO XXXX built in XXXX XXXX Story, Total Above Grade Area XXXX. XXXX XXXX XXXX {$430000.00} and XXXX XXXX XXXX {$34000.00}. 
XXXX XXXX XXXX XXXX, CO XXXX built in XXXX XXXX Story, Total Above Grade Area XXXX XXXX Market Value {$400000.00} and XXXX Assed Value {$31000.00}. 
XXXX XXXX XXXX XXXX, CO XXXX built in XXXX XXXX Story, Total Above Area XXXX, XXXX Market Value {$350000.00} and XXXX Assed Value {$27000.00}. 
I want Bank of America compare with XXXX home with same sizes and XXXX story home with my home.
Attempted to make an online payment to our mortgage compan y Loancare. No error message ever received to show payment did not go through. Assumed payment went through as it has every other month we have paid online. Went to make next months payment it shows we are 30 days late. I called and Loancare said yes we can see you did log on and attempted to make a payment but it did not go through but sorry we ca n't help you.I had to make a payment over the phone for both months because again the website would not work. They said they could not talk to me about it and to email a dispute which I immediately did. Loancare then reported a 30 day late to our credit. We have sold our house, my elderly parents are moving in with us because they are sick and currently live far away. Loancare said they ca n't talk to us over the phone, it will take 60 days to review the dispute and sorry we ca n't help you. We are not unable to purchase the home we are supposed to close on in 2 weeks.  They wo n't look at a dispute or talk to us for 60 days but already posted to our credit.
The Collection was oaid in full on XXXX XXXX. 
XXXX of XXXX placed me in Collections on XXXX XXXX. I found out about the collection through a credit report. 
XXXX failed to send me a Bill, after I sold my home in XXXX 2014, even though they had the forwading adress and phone number. The Lack of proper due dilliegence by XXXX and their poor customer Service resulted in a collection becasue they could not bill me. My bills were received by Email - no emails were sent and no regular mail was sent. After 22 years as a cutomer for that house and never being late, this is aphauling. 
Proof of Payment on the collection was provided by XXXX on XXXX XXXX when I made the payment by phone immediatly after finding out about it being ion collections form a credit report - See below. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, COMMISSIONER XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NORTH CAROLINA XXXX XXXX TELEPHONE ( XXXX ) XXXX XXXX Payment Verification Date : XXXX Customer Name : XXXX, XXXX Premise Location : XXXX XXXX XXXX XXXX XXXX, NC, XXXX Payment Date : XXXX Payment Amount : {$83.00} Comments : Customer 's account has a zero balance on the final bill. Thank you.
I obtained a non-secured loan from XXXX in XXXX after being forced shaped out of the XXXX XXXX. I was unemployed for 9 months and had to relocate XXXX but was paying $ XXXX/month on the debt. The loan was sent to Atlantic Credit and Financial where I continued to pay $ XXXX/month due to extended unemployment. In XXXX XXXX, while checking my credit report, I noticed that the debt was now a judgement. I had never been notified of potential legal action. I NEVER received any type of notification from Atlantic Credit ( or the law office ) informing me of the judgment. I NEVER received any type of documents from the XXXX XXXX XXXX allowing me the opportunity to respond to the claim. I DO NOT deny the debt. The debt is my debt ; however, I dispute the fact that it was placed as a judgment especially since I was paying as agreed. I am a Veteran of the XXXX XXXX XXXX and have endured many obstacles in the last few years and was just starting to recover until the judgement was placed on my credit report. Again, I am responsible for the debt ; however, I do not agree with the debt being placed as a judgement and I believe that I did not receive my consumer rights to respond prior to the debt being placed in judgement.
The credit agencies are reporting that I owe child support inwhich I do not on order to report such an issue one has to be summoned by the courts, however in my case the courts stated that I do not owe child support, so I'm asking that the credit agencies remove and block the issue from my report.
On XX/XX/XXXX ( XXXX ),XX/XX/XXXX ( Equifax ) and XXXX ( XXXX ) I sent each credit bureau a certified 609 letter to verify the account that is allegedly owed by me to XXXX XXXX XXXX XXXX XXXX as they are reporting it on my credit report. They each deemed the account verified. On XX/XX/XXXXI sent a validation letter to XXXX XXXX XXXX XXXX XXXX with my name, date of birth, social security number and the account number that is on my credit report. On XX/XX/XXXX I sent each credit bureau another certified 609 letter to verify the account allegedly owed me. On XX/XX/XXXX I received a letter from target stating that the were in receipt of my request but can not locate an account referenced in my letter.I called Equifax and asked them how and who did they verify the account allegedly owed by me with. The agent stated the he could n't tell me that. I would like for you to help me get this removed from my credit report thanks.
On XX/XX/XXXX, XXXX XXXX disbursed {$16000.00} of a private student loan with them so I could pay tuition/room/board at XXXX XXXX. 

After six years of being a student, unemployed and/or underemployed, I 'd missed enough of my {$300.00} a month payments they were in danger of default. 

Exactly what they are being sued for in PA is what they did to me. 

They called all day, every hour of the day, multiple times a day, even when I was working or in school, my mom too because she cosigned. They threatened and harassed us until I agreed to a forbearance. 

Rather than allow me to lower my payments to more realistically match my income, through an IBR, or ICR, XXXX XXXX pushed me to do a forbearance and explained it as my only option. 

XX/XX/XXXX my forbearance was approved. 

I eventually got a better paying job and was able to make payments, but {$13000.00} in payments on a {$16000.00} debt somehow left me with {$25000.00} in principal and interest still left to pay??? This is as of XX/XX/XXXX Private student loans should n't be allowed at 11 % interest rates and XXXX XXXX/Navient is being rightfully sued for denying struggling borrowers any option except for the one that guarantees XXXX XXXX the most money. 

Federal student loan borrowers should n't be the only ones protected. 

I paid off my federal student loans first because they were smaller. 

I did n't understand the difference when I was XXXX, nor did I even sign any of the paperwork at all, it was all " done for me '' by my equally clueless mother who I should not have trusted with my financial future. 

XXXX XXXX raised tuition 25 % every year I was in school, I could n't even afford to finish. 

I ca n't imagine how much worse other students have it now, who took the plunge and financed all 4 years of school. 

I even worked every summer, XXXX XXXX XXXX XXXX XXXX 80 hours a week, and the checks were still just a drop in the bucket. 

Living expenses and college are way too much, especially in California, and XXXX XXXX took advantage of students with their predatory lending practices. 

Students be warned, take your business else where. Do not sign anything with XXXX XXXX/Navient!!
Consumer Financial Protection Bureau ( " CFPB '' ) Complaint No : XXXX Ditech Financial LLC Account No. XXXX I submitted a complaint reference above because Ditech refused to post my payment. After almost two months, they did finally posted the payment, I immediately made the next months payment. Now, they decided to report on my credit that I was late, even in the letter and response they said they would n't. They are lying again!!!! Is n't this criminal act?
I had a modified loan serviced by XXXX. For the most part of the life of my loan, I have always made my payments except for the months of XX/XX/XXXX through XX/XX/XXXX, when I was seeking a loan modification. At the time, I felt the balance on my property was way less than the market value and secondly, I was barely meeting my financial obligations due to other debt burden. 
I would like to say that for a period of 4 months I was put on a trial period where I was paying just enough for the Mortgage interest and escrow until the Loan modification is done. At the time of the Loan modification, it was explained to me that any outstanding payments was going to be rolled into the principal balance for a 40-year term. 
Looking at my statements, there was never a time where my escrow was not paid. My escrow payments for the past two years when added up, averages close to my property taxes and home insurance payments made by my mortgage company for the same period. 
About 3 months ago, XXXX transferred my mortgage to NationStar Mortgage. Just this week, I got a letter from NationStar Mortgage that my monthly payment has increased from {$1700.00} to {$2600.00}, an increase of about {$840.00} ( about XXXX % increase ) starting from XXXX/XXXX/XXXX. According to the notice, the reason for the increase, was due to a shortage in my Escrow for the amount of {$10000.00}. 
When I called NationStar Mortgage to inquire about the shortfall, I was told that the shortfall was a transfer from XXXX. I contacted XXXX and I spoke to one of the representation, I could not understood his explanation. I requested for statement history for my account and I was sent a file containing the statement that was so full of payments and reverse payments and adjustments that is pretty hard to understand. 
For me the timing could not have been worse, as I have been unemployed for the past six months. I am barely trying to stay afloat financially until I get a job. 
I would appreciate it if you can advise me on how to proceed with this issue or direct me to any organization that will be able to assist me. I have attached a copy of the letter and the statement that was sent to me by XXXX.
A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items
I pulled my credit report and noticed that Credit System was reporting on my credit report, I never received an early warning notice, I sent a notice to them letting them know that I never received an early warning notice and how can they place it on my credit report, no response, they just continue reporting on my credit report
I had trouble signing up for Equifax membership product. I finally signed up XXXX XXXX, 2016. After 2 weeks I was scheduled to update my score and report. I continued to get an error " Contact the department at : ''. I contacted the membership department several times and even spoke a supervisor. I was told by each agent that there is some inaccuracies om my report and I need to speak to the dispute department. Not to mention I have also contacted Equifax located in Georgia, in which they also submitted a XXXX ticket to have this fix. In between these times I have contacted the dispute department and spoke to XXXX supervisors.! supervisor confirmed with me too, that there were multiple social security numbers and names associated with my information, and requested I send in proof of my identity. I sent copies of my ssn, ID, Tax forms and proof of address. I have confirmed that they have received my proof. Each time I have received a different response and no on has fixed my issue. Furthermore the dispute dept including the supervisors, have disconnected on me several times ( at least 5 times is an understatement ). I tried to refinance my loan and they tried 3 times to access Equifax 's report ( They only pull for Equifax ). They denied my application, because they were not able to access my report for Equifax. XXXX and XXXX XXXX XXXX has also had trouble accessing my file for Equifax , you will see multiple inquiries for them. This delayed my internet from being connected, in which I just spent over XXXX dollars to start college courses online. The second supervisor claimed it was an address, and she updated it. The other department I have spoke to was the online support department, who has confirmed that I also need to speak to the dispute department, after that XXXX supervisor transferred me again. I attempted to call Equifax again today ( XXXX, Ga XXXX XXXX and I was told the same thing,,, " there was nothing wrong with my report, and I need to have the creditor run a new application. Also they need to make sure they are pulling the correct report. '' I have told each creditor this and if it was that simple ; Why is Equifax , not able to pull an updated credit score or report? I informed the supervisor that I have told th creditors that already. She hung up on me and the agent, ( as usual ) asked for a callback number, in case we were disconnected. But did not call back. My 1st ticket was supposed to be finished XXXX XXXX or XXXX.
I am a co signer on a car for my son, he filed a chapter XXXX Bankrutpcy and the full payments for the car is being made through the trustee. I spoke with American Credit Acceptance acct # XXXX and they advised me that even though they are getting paid it's their choice to report a late payment on my report. And I advised that the bankruptcy law does not say that they can still report on my credit report and the car is included in a chapter XXXX that is current. I asked them to removed the late fee that has been reported to my account and they refused. This is very unethical for a company to refuse to correct their mistake of trying to ruin someone credit, I am very upset that this company is allowed to do things like this and continue to be in business. taking advantage of people.This is double dipping. which is illegal.
In XX/XX/XXXX and XX/XX/XXXX my husband ( we have since divorced ) did not pay his GA State Income taxes. When I discovered in XX/XX/XXXX that they had gone unpaid and two tax liens had been filed jointly against us I called the GA Department of Revenue to go on a payment plan. In XX/XX/XXXX both liens were satisfied and marked paid, satisfied and cancelled. This was also officially recorded with the Clerk of Superior Court. 

Following my Divorce in XX/XX/XXXX I wrote all 3 CRA 's with supporting documentation to request that the liens still remaining on my reports be removed. I was instructed to contact the State of GA directly in order to do so. However, GA Dept of Revenue informed me the Department has no control over what public information a credit bureau chooses to keep or report. Furthermore, although the liens had officially been withdrawn the Department does not report the recording of state tax liens to any such agencies and therefore has no responsibility to instruct a CRA to alter any derogatory reports even if they remain in error.
The three credit bureaus are reporting information from these organizations that are obsolete. They are reporting these accounts as if they are new accounts. I am asking for all of the accounts associated with the following companies to be deleted. I am asking for the three credit bureas to request the origination and payment history in support of my claim to support that none of these companies should be on my credit reports. If they request this information they will see that the timeframe would also support deletion as they are obsolete accounts. Also there is an address reporting on XXXX that has never been my address XXXX XXXX XXXX XXXX, CT XXXX, I am asking for it to be deleted. 
XXXX XXXX XXXX XXXX XXXX FUNDS DEPT OF XXXX XXXX
This is in regard to the collection agency Eastern Account Systems, XXXX XXXX XXXX, XXXX, Ct, XXXX. My husband passed away in XX/XX/XXXX. In his files I found a notice addressed to him from EAS dated XX/XX/XXXX regarding a balance due to XXXX XXXX XXXX in XXXX, NY. I called the hospital 's patients accounts department, they told me that : the balance was paid at the time of service, they do not use EAS as their collection agency. I sent EAS a  certified letter stating this information, citing the Fair Debt Collection Practices Act, and told them not to contact me again. In XX/XX/XXXX I got another notice from EAS stating that our son showed a balance due to the same hospital. I called the hospital and was told they did not use EAS as the collection agency. I was routed to the agency they do use and was told there was a XXXX balance on the account. I wrote a letter same as outlined above. In XX/XX/XXXX, I received a third notice from EAS stating that my husband showed a balance due to the same hospital -- this time I did not bother communicating with them. EAS uses unscrupulous methods to try to get payment for debts not owed.
Over the years I 've worked hard to build up an excellent credit history. Unfortunately I 'm one of the 143 million people affected by Equifax 's security breach that was made public in XXXX 2017. It is beyond infuriating that a company with so much private and sensitive information about you can put your finance wellbeing in jeopardy. 

I put a temporary fraud alert on my credit report, but who knows what 'll happen after that. To add insult to injury they then offered " free credit reporting, '' but only if you agreed to binding arbitration that would effectively prevent you from suing them. 

I also read that several Equifax executives cashed out stocks just prior to the announcement, anticipating that the company 's stock would take a hit. If that 's true, I hope the CFPB/SEC throws the book at Equifax.
Santander consumer is over charging interest on there car loans, sending out payment statements of principal and interest charged and the adjusting interest charge and princial at a later date. This is manipulative and theft of payments made towards a car. I filed a written complaint in XXXX 2015, called the customer service line to discuss the situation and now they are saying the never recieved it after i filed a complaint with texas XXXX and texas attorney general in XXXX area.