WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX and XX/XX/XXXX, I had numerous unauthorized charges hit my Great Western Bank checking account from XXXX. I didn't see them until XX/XX/XXXX and at that point, my account was overdrawn by almost {$500.00}. I saw that on XX/XX/XXXX, the bank had already charged me a {$170.00} overdraft fee. I called XXXX and disputed the numerous charges and they agreed to refund all of them but stated it could take 3 to 5 days to complete the refunds.There were also several pending charges that they cancelled for me. I notified my bank of the situation and that the charges were being refunded. I asked at that time if they would be able to refund me the overdraft fee once the account was refunded. The teller I spoke to said that she would pass on the request to her branch manager. The next day, I checked my account. About half of the unauthorized charges had been refunded, but I saw there was a second overdraft fee in the amount of {$170.00} from my bank. I called them again and asked why they were continuing to charge my account. The branch manager said that due to the fact that the charges were not a bank error, they would not be refunding the overdraft fees. I explained to her the impact that the total of {$350.00} in fees was having on my account and tried to persuade her to reconsider. She adamantly refused, stating not only would she continue to charge the fees, but that she was obligated to. She began to argue the validity of my claim that the charges were not authorized. I reminded her that XXXX had agreed that they were not which is why they were issuing me a refund. She was completely unwilling to work with me. By XX/XX/XXXX, the unauthorized charges had been completely refunded and the overdraft fees remain. I believe my bank should refund the fees due to the fact that the unauthorized charges were the cause of my account becoming overdrawn.
I received a message from the collection agency stating they were called XXXX XXXX Law firm saying that my name and phone number was involved in an invention and that my returned call was required to show that I was compliant. I called them bck and spoke with a man that sacked me if I was XXXX XXXX. I explained that I was. He than advised me he was trying to collect a debt for Check Into Cash. I tried to explain to him that I was willing to pay XXXX a month to pay off the debt he explained that he could n't take that amount that he could do XXXX with XXXX payments over 3 mos. I explained I could n't pay that I only make XXXX hour plus tips. He than advised me that he could n't do that and that he would forward my conversation to XXXX County court that I was unwilling to work on settling the debt at the very end of the call he advised he was recording the call and hung up. That same evening XXXX XXXX XXXX 2015. I received another call from the same number listened to the voicemail and it was just music. That next morning XXXX XXXX 2015 I received another call around XXXX, Spoke with a lady I explained to her that if she was recording the call that she needed to advise me at the beginning of the call not at the end as the man I spoke with the day before did n't do. She stated " I SEE YOUR a waste of time and I will forward this.to our process server and see you in court '', and hung up. I called them back and.spoke with another man advised him that I did n't appreciate the way they were representing XXXX XXXX themselves as a collection agency and that I was try I.g to resolve the debt at this point he advised me he was XXXX garnish my wages for the debt. the man would not let me.speak kept interrupting stating that he could n't hear what I was saying. The called ended. I do n't know if they are an attorney or a collection agency they disnt give me any information such as collection address or any other identification.
Due to very poor customer service, we decided to refinance our XXXX Chevy Camaro to close the account with Wells Fargo. I spoke with Wells Fargo to obtain a 10 day payoff and then call XXXX with the payoff amount. XXXX stated there has been issues with payoffs from Wells Fargo and they then called 1/2 hour after I did and was told XXXX more than I was. After XXXX obtained the " correct '' amount for a 10 day payoff, we completed the paperwork, we obtained a loan XXXX more than the 10 day payoff so we could use the additional funds for a purchase we wanted to make and the payment was sent and received by Wells Fargo the very next day. The account was viewed online and it showed my balance owed as XXXXand the payment of XXXX that was received. They then added on XXXX different interest charges over and above the 10 day payoff that was actually paid off in 2 days. Instead of the XXXX I purposely overpaid, I received back XXXX!!! I called them and questioned the additional interest they added and they said they had the right to do so. When I said I was going to file a complaint I was told that was fine and ended the call. I was also 1/2 a car payment ahead due to adding extra to each payment, no interest was due as I had just paid my loan for the month.
I paid my balance in full prior to the due date and was charged additional intrest. Based on what I can tell Capital One is charging interest on the purchase balance as if it were a loan balance. My due date was XX/XX/XXXX. I paid my balance in full on XX/XX/XXXX and was charged interest on the average daily balance.
My son, who is a military service member stationed in XXXX, wire transferred me {$750.00} from his XXXX account on XXXX XXXX, 2017 to my checking account with JP Morgan Chase. I received an email from the QuickPay team at theJP Morgan Chase bank on XX/XX/XXXX ( XXXX 's time is ahead of New York time ) confirming that a transfer was in process and that it would take 1-2 business days for the money to be transferred to my account. However, when I did not receive the money I called them and they said that the money had been deposited to an account which had my email address ( the same email address used in the transfer ). They could see the name of the person the money went to. I told them I still had access to that account and was still receiving emails but they said there was nothing they could do, that XXXX was responsible. My son called XXXX, who said that because he had authorized the transaction, JP Morgan Chase was responsible. I called Chase numerous times, my son called both XXXX and JP Morgan Chase several times and we even conferenced-called JP Morgan Chase. However, their response has been the same all the time - they can do nothing about the money transfer to the wrong person. To-date, I have still not received the funds.
CitiCard, allowed a person to open a secured credit card, with the deposit from another a 3rd persons checking account. Without verifying where the deposit was coming from, never requesting a copy of my DL, SS Card, or banking records. At that time of my life, I didn't even have a Checking Account or Savings Account. I have sent them in a affidavit, police report yet they will not remove if from my records. Yet on XX/XX/XXXX they removed/deleted from my XXXX FILE and on XX/XX/XXXX removed/deleted from XXXX, yet want to allow XXXX to keep it on file. So it seems like a 50/50 draw. 50 percent there saying its mine, 50 % its not mine.
Experian continues to deny me access to their online dispute feature. It 's been like this for the past couple of months. 

Each time I attempt to begin an online dispute, upload supporting documents, or gain access through a third party credit monitoring subscription program, Experian redirects me to a message stating " for security purposes we ask that you mail us your documents along with a government issued ID, etc. ". 

That message is getting extremely intolerable for me and I have my personal contact information to update, accounts to claim full responsibility on, account information to correct, and supporting documentation to provide along with it. 

Experian has by far the worst online dispute feature out of all three major credit reporting agencies. 

This must be changed. Surely I am not the only one experiencing this inconvenience. 

Experian expects an individual without a source of income, or available funds to go out to a store and purchase mailing envelopes and mailing stamps. 

I am unable to send Experian my information by mail because I do not have the money to purchase the items necessary to proceed with my dispute they 'd like to have mailed rather than submitted online. 

I would like to apologize to Experian for submitting this complaint against them, but they must realize that some individuals like myself, will not tolerate their delays they cause us with updating, and correcting our reports accordingly. 

I will pursue Experian 's online dispute feature correction of " security issues '' for myself, until I no longer have these error message pop up after clicking the submit button once I 've entered in my personal information.
Hello : I have been trying to get my credit report from the XXXX main bureaus, but the information does n't match in any of them, according to my bank, who was the one conducting the process of opening a line of credit. Can you please tell me how can I fix this problem?, for the record, I have not used my S.S. Number for any credit purposes.
LexisNexis has repeatedly verified the accuracy of Bankruptcy Case XXXX which is appearing on my consumer credit reports. LexisNexis claims that their subscription to Pacer is an acceptable form of verification. 

I have sent certified/return receipt dispute letters to LexisNexis requesting verification of the reported bankruptcy. These dispute letters were received by them on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 and XX/XX/18. Upon receiving their last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ) that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification.

In the meantime, I also obtained a letter from the US Bankruptcy Court in XXXX, NY, which clearly stated that they do not provide any information to the credit bureaus, as well as another letter indicating they did not and would not confirm nor verify any information to a credit bureau. 

Furthermore : PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, LexisNexis claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, LexisNexis is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting  information that they have assumed is verifiable based off circumstance. 

I implore your agency to please assist me in having this unverifiable information from a database ( Pacer ) that does not allow access to any personal identification information, removed from reporting on my credit files. LexisNexis practice is highly damaging to my credit and I would be remiss not to request your assistance with this issue. 

Thank you for your time and assistance in this extremely important issue.
Comonwealth Financial Systems didn't send any correspondence to me in reference to this debt. I have disputed the debt through credit agencies and have sent them letters requesting verification including original bill/signature and haven't received anything from this company. Commonwealth isn't bonded in the State Of Georgia to collect debts..
OnXX/XX/XXXX I sent a letter to TransUnion, LLC and to XXXX XXXX XXXX demanding the following information from both companies : 1. Original, signed contract and/or promissory note with my signature ; 2. Copies of documented proof that XXXX XXXX XXXX is lawfully entitled to conduct the business of debt collection in the State of Alabama fromXX/XX/XXXXXX/XX/XXXX to present ; 3. The entire account number of the alleged delinquent account ; 4. Proof of documentation used to support the statement " meets FCRA requirements '' as stated on my credit report ; 5. The name ( s ) of the person ( s ) who authorized to place " meets FCRA requirements '' on my credit report ; 6. Documentation used to support their validation and verification of the alleged account ; 7. Name ( s ) and telephone number ( s ) of the person ( s ) in their company who had 1st hand personal knowledge who was to verify and validate the alleged account.

The only response I have received as of XX/XX/XXXX was from XXXX XXXX XXXX with an attached copy of an invoice/bill which lacked any signatures of whatsoever nature. No signed contract and/or promissory note was included nor any other demands from the aforementioned list. The alleged delinquent account still remains on my credit report. This is in clear violation of the Federal Credit Reporting Act.

I have documention letters but I am unable to attach it. I can forward to an email if you should provide one.
I have contacted XXXX XXXX two times in the last 30 days and been advised by two associates and a supervisor that they can not verify, discuss or accept payment for a credit item they claim that I owe.Today I called again and spoke to XXXX who would not give his last name.He seemed to have full access to my account with my personal information, the vehicle related to the account and advised he could see where I had previously called last month.He refused to verify the amount they claim that I owe and repeatedly stated that he could not discuss my account. 
A previous call with a supervisor around XX/XX/XXXX I was told that these were new accounts that were not set-up in the system and that she also had no way to review the information or verify totals claimed were correct.This makes no sense as this account is over six years old and due to be removed by law in just a few months.There is nothing new about this account.She stated that even if I were agreeable to making a full payment she could not process.She further advised i should call back in two weeks which I did today XX/XX/XXXX. 
They are intentionally providing false information regarding access to the account. This is demonstrated by the fact that during my initial call and discussion with an account representative she advised that she could accept {$3000.00} to settle the account and advised that if I were to accept payment would have to be made within 10 days. This contradicts everything the supervisor and second representative said regarding their access to the account and ability to resolve the account. 

These details can easily be verified via a transcript of the calls which per the creditor are recorded. 

This creditor is unable to verify, discuss or settle payment on an account they are actively negatively reporting to my credit profile.
I attempted to close a checking account with Citibank around XXXX 2014, withdrawing all funds. I have recently learned that following my attempt to close the account, Citi did not close it and continued to charge me fees on the account without my knowledge. This accumulated balance of {$190.00} was eventually transferred to a collections agency, charged-off by Citi, and reported to credit agencies, adversely affecting my otherwise strong credit score, all without my knowledge. Once I learned of it, I attempted to explain and resolve the situation with Citi but got no where, as Citi said they no longer had information on the source of the charge, and it has proven impossible to get to the bottom of this. I recently paid the amount to the collections agency in a belated attempt to fix my credit score, having given up on any hope of getting Citi to correct their error after hours of attempts.
Through Wells Fargo 's online portal, I paid the full outstanding balance owing on my Wells Fargo VISA on XX/XX/XXXX. This payment was made 4 days prior to the due date of XX/XX/XXXX for a minimum payment. 
Wells Fargo sent me an email stating that my payment was successfully made on XX/XX/XXXX. Wells Fargo then reported me to credit agencies as being 30 days late on the payment and revoked my credit card even though I have made every credit card payment on time since opening the credit card in XX/XX/XXXX. Wells Fargo now refuses to correct their error.
Hello Sir/Madam I would like bring up an incident that happened at Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. XXXX lockers were burglarised inside the bank strong room. When I entered along with banking personnel, the lockers were in wrong position and XXXX XXXX also acknowledged and opened and found XXXX lockers were open, My locker numer XXXX is emptied except documents. A XXXX complaint XXXX is registered. I have lost valuables worth several XXXX dollars specially valuable items from my marriage, kids ornaments and wife jewelry. XXXX is reported in local media as well https : XXXX Bank XXXX XXXX XXXX tried XXXX divert the case by giving false reasons such as construction. 

Bank locker agreement is responsible for XXXX XXXX In this case bank has been completely negligent and have false practices and bad banking people looting the customers. Also they specially targeted XXXX and a classic case of XXXX profiling. 

Bank now says we should contact local PD and bank is not going to discuss on this subject. 

We would need your help to get bank to the task and seek answers to how and when they can contact us to pay for it. 

XXXX XXXX
I have attempted numerous of times within the past 2 years to pay off a balance that was owed to  XXXX  University. At the time I was not able to afford to pay off my balance and it went to a collection agency. During that time I have attempted to pay in full 3 times but they would not allow me to pay the {$1200.00} balance but instead they wanted me to pay {$1500.00}. I am a single parent trying to further my education and at this time I am ready to pay the {$1200.00} in full. At this point I have asked  XXXX  would they accept the payment in {$1200.00} and they would but it would be turned over to the collection agency which charges an extra {$400.00}. Please let me know how I can get this resolved.
Cause of DIL : In XX/XX/XXXX, due to my father 's illness, I became the caretaker for him. In XX/XX/XXXX, my father lost his battle with his illness and died. During the aforementioned time, and with the downturn in the real estate market, we were unable to manage the affairs associated with our investment property. In addition, the tenants stopped paying their rents and we were not available to take them to court because of caring for my father. I could not afford to hire a property manager ; therefore, our financial problems became unmanageable, both personal and business.
In XX/XX/XXXX I wanted to get my credit score so I went to http : //www.experian.com/ to see how to get it. After going through the website I saw an advertisement that said I can get my credit report for 1 . I payed a XXXX and got my credit score and was happy withe the service. 

Today I looked at my credit card and saw a bill for XXXX $ from Experian. When I called them about the charge they said that when I purchased the credit report I needed to cancel within 7 days or I would have an automatic membership renewal. I wasnt aware of the membership renewal so I went back to the advertisement and looked at the small print away from the actual add and saw the information about the membership. I took a screen shot of the add for your review. 

I called Experian today and was told I would n't receive a refund. I believe that Experian 's add is dishonest and in violation of the CFPB regualtions. I would like my XXXX $ back from them with interest.
XXXX   XXXX  will not remove old accounts. Collection accounts that have been paid and show  XXXX  balance are still showing up.   Old accounts showing closed are still showing up and they claim anything reported to them will stay on the account, even with proof that they are closed or paid in full.
Recently my mortgage was aquired from XXXX to Greentree and now Ditech. Ditech has sent me an Annual Escrow Account Disclosure Statement informing me of my mortgage payment of {$560.00} was changing to {$680.00} for projected 2016 property tax increase and hazard insurance increase. My hazard insurance has been changed to XXXX going down {$200.00} which Ditech has recognized. So, what they are saying is my property tax is estimated to go up {$1400.00} for 2016! I do n't think so. Also, I was under a mortgage motification program for the mortgage with CitiMortgage. I have talked with Ditech trying to understand why so much but the service representatives I have spoken to have been very short and condescending to me and I get frustrated and hang up.
When I was visiting my investment properties in XXXX, XXXX, XX/XX/XXXX an attorney attempted to serve me with a court order to answer the claim of XXXX XXXX outstanding credit card that I supposedly owed. I answer the court order, explaining that I could not attend any court hearings in XXXX due to my employment obligations in XXXX. I have been a XXXX resident for the last XXXX years and only occasionally visit XXXX, XXXX to conduct on site examinations of my investment properties. Another Court hearing was rescheduled by the Plaintiff attorney. XXXX XXXX XXXX request to XX/XX/XXXX. I again answered the Court Order, explaining that there was no way I could attend the hearing, due to the same reason, my employment in XXXX. Well the hearing was conducted without my presence, and the Plaintiff appealed to the Judge for judgment against me. Judgment was granted, and a lien was recorded against my real estate for {$2700.00} dollars. During the course of this fiasco the Plaintiff produced modified XXXX XXXX statements to the court for viewing, for the years XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX all showing my billing address to be XXXX, XXXX. During those years I had never lived in XXXX and to this day I have never lived in XXXX, for more than XXXX months at a time. 
On XX/XX/XXXX I presented a request to the Court, to have the Court Order dismissed and the lien removed, based on the following facts ; that the hearing was presented in the wrong judicial jurisdiction, submission of inaccurate bank statements falsely representing Defendant 's residence, and the expiration of the Statute of Limitations of XXXX Laws governing written contracts to be XXXX years, not XXXX years like in XXXX. Also there was never a mention of the arbitration clauses that were presented in the XXXX XXXX contract with the Defendant as possible options for settling the debt. 
In closing I would like to say that throughout these proceedings XXXX XXXX XXXX XXXX ignored my pleads of defense and at the end acted unethical in his actions and demeanor to have this case won in his favor. Again the arbitration clauses were never brought up. 
I can produce additional supportive documents if necessary to prove my claims.
I have a loan with XXXX XXXX XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX  XXXX/XXXXwith no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.