WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a Wells Fargo Customer since XX/XX/XXXX and have never experienced such injustice with this banking institution. On XX/XX/XXXX I called to check my balance and was shocked when I heard I had {$200.00} In overdraft fees. None of my bills are automatically debited from my account so that immediately did not make sense to me. When I spoke to a banker she informed me that my account had been debited for {$300.00} and thatts how I came to have the {$200.00} overdraft fee. She gave me the companies name and I assured her that I never authorized a payment. She then transferred me to the fraud dept and they assured me that my money would be returned including my overdraft fees. A few days later I called back to check on the case ( case # XXXX ) and was told by another fraud dept representative that the case was just sitting because it was not listed as an unauthorized payment. To add insult to injury my paycheck came in my account through direct deposit days later and the {$200.00} overdraft fee was paid out of my hardworking money.
I purchased my home in with a 30-year mortgage in XX/XX/XXXX and was originally with XXXX XXXX XXXX. In XX/XX/XXXX I refinanced to a 15-year loan with Wells Fargo Home Mortgage. I have made every payment on time without any late or missed payments. I filed bankruptcy ( chap XXXX ) in XX/XX/XXXX and was informed by my attorney to not reaffirm but to continue making my payments as agreed. On XX/XX/XXXX I made a lump sum payment and paid my mortgage in full. On XX/XX/XXXX my credit score dropped 31 points. When I checked my credit report I found that my mortgage was missing from the report all together. It is like I never had a mortgage in the first place. I pulled out some older credit reports and they list Wells Fargo Home Mortgage as under a bankruptcy. I was told ( in XXXX ) by a representative of Wells Fargo that once my mortgage was paid in full it would be noted on my credit report. So I continued with the payments to include that last lump sum payment. 

The credit bureaus continue to report the bankruptcy but a penalizing me for the positive achievements I've made over the years. This doesn't make sense to me. How can I be penalized for the longevity and positive credit I've achieved and still be negatively impacted. Not one of my bills are late. I should receive the credit for this. I sent the credit reporting agencies a " Request for Addition of Supplementary Credit References '' Wells Fargo says to call the credit reporting agencies and the credit reporting agencies tell me to call the mortgage company. I am between a rock and a hard place.
From the month of XXXX, I have been contacting Ally financial to pay the minimum monthly payment and I have n't been able to. Ally financial, has blocked me from making online payment, XXXX XXXX and XXXX XXXX. I went on XXXX, to XXXX to make payment to Ally financial via XXXX XXXX and on the screen the customer service representative said that she had never seen a message across the screen instructing me to call into Ally because there was a block on it. Moments later, I called into ally 20 times to be exact to correct the problem, and they stated they received a fraudulent check from me. I do n't even have checks and have always used online banking, ( which I 'm blocked from as well ) but the rude customer service rep in the fraud department stated that their was a check but it the check was n't written by me at all. Ally Financial has blocked me from all ways of making a payment, and I have lates on my credit from it ... Ally financial is also aware of my difficulties of making payments because they blocked me from all forms of making payments.
Just recently started receiving threatening letters from Money Now. I have called the store on XXXX XXXX several times and left voicemails for the manager and also asked that they provide date/proof of debt ( mail to me ). No call backs and no proof. Money Now recently sent me an even more threatening letter. I am attaching all for your review. I believe they are over any KY statute of limitation timeframe to collect this alleged debt and/or are outside their mandates legally.
Hello, In regards to the Allied Collection Service report of : {$54.00} that is reporting as a closed debt. This deoes not belong to me and should be removed form my CREDIT REPORT immediately. I am sick and tired of XXXX reporting inaccurate information under my name and social security number. I went thru 5 years of having a XXXX eviction reported which was just removed after numerous attempts stating it was fraudulenty and not belonging to me. You people have ruined my financial life. XXXX! 
You people are pathetic and I hope something really bad happens to you and your business ... REMOVE THE RECORD!
My complaint regarding my student loans, that is now with Navient, and would like to be part of the XX/XX/XXXXclass action lawsuit against Navient. Every since they took over from XXXX XXXX  after XX/XX/XXXX I have had a problem making payment on my loans. I was able to make affordable payments with XXXX XXXX after a graduated with my XXXX in XX/XX/XXXX. The attached sheet shows total amount of my loans of approximately {$58000.00} inXX/XX/XXXXfor both theXX/XX/XXXX andXX/XX/XXXXat XXXX XXXX university. During the time XXXX XXXX had the accounts, I had no problems even when I was unemployed, they worked with you. After Navient took over, it has been horrible. Because I am a XXXX, I may work 3-6 months and when I am not employed, I would request a lower payment, however they would say that I could not get a lower payment because of the amount of the loan, and I would have to take a forbearance, which has ultimately because of the continuous interest, increased my payments to over {$800.00} a month ; which I can not afford As of last year when I was unemployed and only receiving Social Security benefits, I had to take a forbearance. The new balance for XX/XX/XXXX will be {$880.00}. Hopefully I can get some help regarding my situation.
I was issued a refund on a travel purchase that was credited to my Sam 's Club XXXX XXXX issued by Synchrony Bank. The refund, {$4100.00}, was transferred to my account, # XXXX XXXX XXXX XXXX, on XXXX XXXX 2016. In a call to Synchrony Bank today, they said they could only send me a refund by check and that would take up to a month, corresponding to my next billing cycle. So Synchrony has a plan to hold my cash for another month before returning it to me. Yet when I pay my account at Sam 's Club or at Wal-Mart by check, they immediately electronically draft the payment out of my bank account. But they claim they have no way to electronically return my cash to my bank account except by check sent by USPS mail. 
Synchrony Bank has very effectively stacked the procedure to take advantage of their customers and that indeed is wrong. 
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TN XXXX
I asked equifax to inform me on the methods that they used to validate a collection on my credit report from XXXX XXXX XXXX. I also asked them to give me the information of anyone they have contacted at the collection agency to validate my debt. In the letter i stated that " Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification '' but I still believe that I received an automated response. Equifax also didn't produce any documentation proving that I indeed owed the debt. 

The debt was also removed from my account previously and then reinserted in XX/XX/2017 and I did not receive a written notice within 5 days of them reinserting the debt onto my credit file. I believe this is a direct violation of the fair credit reporting act.
XXXX XXXX XXXX  has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I want them to send me all documents with my Actual signature on it and to REMOVE FROM MY CREDIT! DO NOT RESEND THE SAME DOCUMENT!
On or about XX/XX/2018, I had inquired on line about loan rates for medical purposes. After filling in all of my personal information, I actually only submitted the form after I ensured that these inquiries would not in any way affect or impact my credit scores and there was a disclosure stating that it would just be an inquiry and would not in any way affect my credit scores. However, shortly thereafter I got an email from XXXX XXXX who monitors credit scores that there was a change in my credit score. In my opinion, these loan inquiries could be the only thing that would change my credit score ( s ) since I did not open any new accounts or have any new or adverse reporting recently.

The lending company in question is : Lending Club which it is my understanding that your entity oversees. I have also reported XXXX XXXX XXXX XXXX to the FDIC who I was told oversees these entities.
I have wrong letters and contacted both XXXX credit and XXXX about the hard inquirys recently put on my credit they have refused to remove th hard inquiries and it was not me none of the hard inquiries was me for auto loans. They told me I need to place a police report the police said that no crime has been committed so Im at a rock and a hard spot. But here has been 28 hard credit pulls for auto loans most of them where done from XXXX. XXXX XXXX to XXXX XXXX XXXX My name is is XXXX XXXX
Bank of America reported some overdraft accounts on reports to XXXX XXXX XXXX and XXXX. I paid off all my accounts with Bank of America ( even one I did not recognize as being mine ) in a total of {$790.00}. This was paid in full on XXXX XXXX, 2016. I requested from Bank of America to removed the accounts from both of the agencies listed above. During my calls to Bank of America there was difficult in them getting me to the right department and person to talk. I later filed a dispute for removal from XXXX XXXX XXXX on XX/XX/XXXX They removed none of the accounts. ( Thought them removed all but one but the copy I have from XXXX XXXX shows updated they were paid not removed but XXXX shows all but one removed. For this account they listed the contribution reason as " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. I have asked Bank of America for the details of this to no avail. The last representative I spoke with stated I had done everything I could do and she did not know why it was not removed. They sent a response to me which was dated XXXX XXXX 2016 upholding their decision but no specific information was provided. I have never nor have I never attempted to commit any form of fraud.
My family has been devastated by XXXX XXXX. Thankfully our home is still liveable, but we have a lot of damage! My hurricane deductable is {$4500.00}! I have XXXX kids, XXXX of them are XXXX XXXX. I do n't have {$4500.00} to shell out! So, I heard mortgage companies were giving a break to people in Florida, so I called my servicer, my loan care ( aka Lakeview ) to see if they also would give me 3 months with no payments and put it to the end of my loan. Unfortunately, my loan servicer must be looking to put people in financial binds and foreclose on their properties, as they made the deal sound great of no payments for 3 months. I am a loan originator so I asked a lot of questions, only to find out that I would owe 4 payments in XX/XX/XXXX and if you ca n't pay it then, a 30, 60 and 90 day late goes on your credit. They found a way around the law to " help people. '' What kind of help is that? It actually seems like they are taking advantage of these poor people who could have lost everything! It 's also ashame that since I have an FHA loan ( a federal government product ), that I get even less help! As the agent at my servicer so greatly explained to me. Bottom line is, this is a disgrace! Not only are people going through enough from the storm, the people who chose to do this are now going to fall into financial hardships from this in XX/XX/XXXX.  I am sure that many foreclosures will occur now in Florida and Texas early next year!
in XX/XX/XXXX i enrolled in a debt relief program which included this loan. i was not happy with how the program was going and stopped being enrolled in the program sometime in XXXX ( around the summer time ). At no time was i contacted by lending club by phone, email or mail to make payment arrangements to pay off the outstanding loan. On XX/XX/XXXX, I recieved a phone call from XXXX XXXX XXXX in reference to this loan stating they are looking to set up a payment plan. i advised them i currently enrolled in a debt management program and provided them with the phone number. i contacted the program i am currently enrolled the next day to inquire if they contacted them, they had not. i contacted XXXX XXXX XXXX again they stated the number was not working, i once again provided the phone again. bare in mind the number i provided to XXXX is the same number i have been using to contact the debt mang company and there have been no issues. I spoke with my debt mang company on XX/XX/XXXX and there are still no communitcations with XXXX or Lending Club. Also this account has posted to my credit report under as a collections account although no efforts had been made previously from XXXX XXXX or XXXX XXXX XXXX prior to XX/XX/XXXX phone call.
I purchased my home XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX. 
XXXX XXXX XXXX was the servicer at the time. I paid every payment on time. 
I went through a divorce, unemployment, XXXX and ( Not-at-fault ) automobile accident that caused me to fall behind on the payments. I qualified for XXXX and was able to maintain my house. XXXX XXXX XXXX agreed to accept a loan modification instead of the previous messy one. In the middle of the process, they sold the servicing to Seterus, XXXX XXXX XXXX, which since then have been extremely aggressive accelerating the process towards foreclosure despite my several attempts to communicate that I have been going through the process of Loan modification with XXXX XXXX XXXX, they are insisting that there is no record of the modification except for the XXXX occurred in XXXX XXXX. I filled the Seterus XXXX application but they have sent me Notice of intent in XXXX only 10 days after they received my loan servicing from XXXX XXXX XXXX. It is my belief that XXXX XXXX XXXX has passed on the responsibility to Seterus since Seterus seems to get away with being a bully and extremely unhelpful. Every single time I called Seterus, I had to re explain the entire story of my loan with XXXX and how the initial modification although successful at {$2200.00} per month including of Taxes, insurance and Escrow, they simply messed up the paper work after the successful three month trial of {$2200.00} per month, they suddenly raised the mortgage payment to {$2700.00} claiming that they mis calculated the escrow. That took six month for me to get XXXX XXXX XXXX to admit and issue me the opportunity to go through a XXXX modification. Only one month through the process they sold off the loan servicing to Seterus. Now Seterus seem to be blocking my loan modification process, at XXXX time they claimed that the reason they do n't wish for me to apply for modification is because I had a modification less than a year ago despite me explaining that it was a messed up process and that XXXX commenced a second modification. I explained that all that needs to happen is to simply see the documents that I sent to XXXX prior to the transfer XXXX XXXX and see that I was going through a modification. I told them that I am confident that I will be able to pay the mortgage after the modified amount is reduced to the original payment as defined by XXXX of {$2200.00} per month. I am confident that I can pay that amount and keep my home.
XX/XX/XXXX I was a victim of a hard pull on my credit by a company called Barclays Bank which I have no account nor affiliation with. I wasnt aware of the fact that Id have my credit reported to this company. 
XXXX XX/XX/XXXX I was a victim of a hard pull by the same company with no recollection of consent to run my credit report. 
XX/XX/XXXX I was a victim of another hard pull from XXXX XXXX. In which case I do not recall giving any permission for them to run my credit score.
Hi there, I hope you will be able to help. My issue is that Coinbase is not processing my Successful SEPA transfer sent since theXX/XX/XXXXfrom my XXXX account to their account. 

My escalation support ID is : Case ID : XXXX In total I have sent 4 transfers. The first one was aimed at obtaining the validation of my account. Which did not happen without apparent reason. Here my XXXX was sent but their service is for no apparent not validating my account but still enjoying keeping my fund in their bank account. 

Then I sent three additional transfer as per below : 1 ) Validation of account : Date : Sent on the XX/XX/XXXX Amount XXXX GBP/EUR XXXX Received the XXXX/XXXX/XXXX on their side. REF : XXXX 2 ) Date Sent XXXX Amount : XXXX EUR/ XXXX GBP Ref : XXXX 3 ) Date Sent XXXX Amount : XXXX EUR/ XXXX Ref : XXXX Please Note that the above ref was wrong. It should have been XXXX As a result I asked Coinbase to  match this transfer with my account ASAP. Indeed their FAQ explained that in the event a customer send a XXXX  fund to their bank account with a wrong or missing ref. They will match it to the user by correlating the IBAN number of the user. 

4 ) Date Sent XXXX Amount : XXXX EUR// XXXX GBP Ref : XXXX The money I have sent was successful received by them. As per confirmation of my bank. However the total of EUR XXXX has still not been loaded to MY EURO wallet under my customer reference. This is an issue as my fund can not be utilised to buy BITcoin. 
This led to a loss in investment value of more than USD 1000 I have raised multiple support ticket and called their support line but they are not helping nor giving honest response. They are saying they have not received anything ... 

For example they said that my XXXX where not received because They have not validated my account prior to that. 

This is absurd and a LIE as XXXX have validated that my transfer was succesfully received by their bank. 

Futhermore the validation is irrelevant. Indeed my colleague XXXX XXXX XXXX have sent a tranfer of XXXX by XXXX to their same account and they have put the money to his account. Here his account had never been validated prior the XXXX being sent, yet was still received and loaded to his EURO wallet successfully. 

Weirdly when the some is Eur XXXX things miraculously disappear ... 


In any vent they have admitted that they failed to action my sepa but are not providing any resolution and are still keeping a Total of EUR XXXX held in their account. 


Every time I attempted to call them. I had to wait an average of 50min on the line, very often you ca n't get through to anyone and when you do. The call will drop. 

They will escalate the call to a specialist which can not and is not allowed to answer any meaningful question about whether or not they did they receive my Transfers where are them, when will the be loaded so that I can finalise my BTC transaction.. 

I have research multiple forum and it seems that a lot of users are complaining that their fund are being held hostage when large amount are being sent.. 

After days of calling I seems I am getting nowhere. 

Please help. 

Kindest Regards, XXXX
I have disputed certain information on my credit report with Equifax - apparently filing these disputes with people who are in customer services positions overseas ... Either they could not understand what I was saying or they were not listening. At any rate after a month of working with Equifax I had a bigger mess on my record than prior. Shortly after that I had a horrible accident and have been ill since that date only now am I able to redirect my attention to address theses issues : The following were all listed on my Chapter XXXX Bankruptcy ( filed XXXX ) - were discharged as debts and should not show on my credit report. Court says I no longer owe these bills - therefore they do not exist - all were listed on the bankruptcy. 
1st issue - XXXX XXXX XXXX for XXXX XXXX assigned XXXX for {$36.00} - listed on the bankruptcy - discharged - court said I no longer owe this bill - still shows on my credit report.Should be deleted. 
2nd issue - XXXX - ( XXXX ) assigned on XXXX - removed this information when they received the dismissal by the Bankruptcy Court - in speaking with the person overseas whom I could not understand I was asking if this had been removed and they said it was no longer listed on my report. Without my asking and without my knowledge this person disputed this bill thereby requiring a respoce from XXXX XXXX - thus what had been dropped from my credit report now shows again - thanks to the incompetency of the Equifax employee. 
3rd Issue - Merchants XXXX of XXXX - date assigned XXXX ( incurred XXXX - XXXX XXXX ) - listed on the bankruptcy - discharged - court said I no longer owe this bill - still shows on my credit report. Should be deleted. 
4th issue - Judgement dated filed XXXX - XXXX XXXX - case # XXXX - listed on the bankruptcy - discharged - court said I no longer owe this bill - still shows on my credit report. Should be deleted.
Bank of America excessive charges for consumer accounts During XX/XX/XXXX BOA charged my account for about {$560.00}, and while writing this complaint I have been charged in XX/XX/XXXX till now for {$310.00} I called the bank inquiring about those charges, having in mind that I'm a customer since XX/XX/XXXX, and I have not seen this hike in fees before. I explained to the people on the call that during the early days, I can see that my account going under XXXX, and I have the option to put money in the account to cover it before the end of the day. Recently, I have seen a change in behavior, on which I check my account in the evening, and in the morning, they already overdrafted it with charges. 

I expressed to the bank that : 1. I'm not an accountant and they treat my account like I should be having books created for it. 
2. This is a new change that I'm seeing recently, and it has not been this way before. 
3. I have a feeling that the bank changed/updated its system to narrow the window that we as a consumer have to correct mistakes. 
4. The existing alert systems that the bank provide is useless as I'm receiving the alert AFTER the bank charged my account with fees.
I recently pulled a copy of my credit report and noticed two medical collections accounts being reported from Wakefield so I send them a letter certified. Requesting validation of this alleged debt they claim i owe them. I have requested that they prove that i am indeed the party they are asking to pay this debt the date of the alleged medical service the name of the patient and proof there is some contractual obligation binding on me to pay this debt. They have refused to provide copies of any agreement I have with them that grants authority to collect on this alleged debt or proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY Provisions AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY