WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2016 a bank account was opened with Wells Fargo Bank. Consumer applied for Over-Draft protection account and were approved for a Wells Fargo XXXX XXXX XXXX XXXX ; line of credit of {$1000.00}. At time of application an incorrect Foreign Currency Conversion Fee of 'None ' were included in the terms and conditions of the credit card account. Rather on XX/XX/2016 a letter stating that effective XX/XX/2016 a fee of XXXX % will take effect as a fee charged to said conversion. And explained consumer were disclosed an incorrect item to said agreement. 
In addition, this account [ funded ] by Wells Fargo is the only option of Over-Draft protection from a single source to cover overdrafts from the Wells checking account. When the product were sold and consumer were asked to sign up and apply through standards credit reporting ; consumer understood this were the only reason to consider such a product. 
When an insufficient item caused the checking account discrepancy ; Wells Fargo proceeded to dismiss the approval of the card and resorted to shut-down the card and its purpose due to a minor overdraft on the checking. Consumer has argued with WellsFargo that the purpose of the application and qualifying status should had resolved any discrepancy thereof. and, any amount of intital overdraft were protected by the application of the credit card account. 
Wells Fargo has shut-down the checking, savings and the credit card account. Wells Fargo did provide a letter that states ; due to an insufficient fund amount in the checking all accounts were closed. 
Consumer understood XX/XX/2016 ; that the information provided by a sales representative were valid and the card account would be utlizied to cover any over-draft and/or insufficient balance. Onbiously this was n't the case. 
Consumer contends Wells Fargo [ sold ] conveyed this product for the purpose of 'sales quotas ' and the department of Wells Fargo Consumer Credit Solutions has taken another position thereafter. Consumer contends Wells Fargo has denied consumer the right to use said product as to the effect and purpose as intended ; and have created other scenarios to deflect from said offer. Either the Wells Fargo product with an XXXX XXXX logo is n't a valid product ; this product should be honored and reinstated as it were sold. 
Consumer has contacted numerous departments within Wells Fargo { Consumer Credit Solutions ] no answer with consistent information has been offered. 
In addition, the consumer 's credit reports reflect a credit card account with Wells Fargo XXXX XXXX shows an active and open line of credit of {$1000.00}. Which consumer contends shows a potential debt as opposed to a line of credit. Consumer has asked Wells Fargo to remove such item off the credit bureaus ; if the account has been closed and/or cancelled. 
As of XX/XX/2016 ; Wells Fargo continues to deflect this matter and resolve the overdraft in accordance to terms and conditions as stipulated and conveyed to consumer. Wells Fargo rather title this matter a 'risk account ' and have no valid explanations thereof.
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Attn : Complaint Department XXXX XXXX XXXX XXXX, GA XXXX I have recently pulled my Equifax credit report and notice an account has been investigated and deleted by another credit bureau still being reported by Equifax. Attached to this letter is proof that these accounts were deleted. Please follow suit and delete these accounts for accurate reporting. They should be deleted in order to show my true credit history.

XXXX has removed all accounts associated with XXXX XXXX XXXX. These collection agencies were reporting the following accounts from the following original creditors.

XXXX XXXX XXXX Account # XXXX   Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete.

Thank you for your cooperation, XXXX XXXX
I have had to send in multiple papers when I was in the hospital for a year and when I couldnt work. I had doctors fill out the paperwork but Navient kept saying the dr didnt fill the paperwork out correctly. After 4 times my dr said wed went over everything and still they say its not correct. I have called multiple times for loan forgiveness. I get calls XXXX it never stops and its back to back calls. The first person doesnt even hang up before another call comes in. These people are difficult to deal with and have poor management within the customer service department. This mess has been going on for more than 5 years. I need them to stop.
On XX/XX/16, Discover bank informed me about dispatch of new credit card with updated chip technology. On XX/XX/16 I found there were 4 charges on my account which I did n't make. The charges were : XX/XX/16 : XXXX XXXX ( XXXX CA ) - {$320.00} XX/XX/16 : XXXX ( XXXX CA ) - {$610.00} XX/XX/16 : XXXX ( XXXX, CA ) - {$620.00} XX/XX/16 XXXX ( XXXX XXXX XXXX, CA ) - {$810.00} The total amount of unauthorized charges was {$2300.00}. On the same day I reported Discover bank about it and froze the account and few days later I approached local police department ( Case : XXXX ). Bank did investigation on their part and held me responsible for the above charges because the new card was sent to my address and was activated on XX/XX/16 using my phone number. To prove my innocence I submitted my call records but they said that is n't enough and asking for proof like video footage of person who made those transactions. Fortunately, XXXX CA police managed to get video footage of the person making transaction of {$610.00} on XX/XX/16. In their report they described that person and mentioned that the person is n't me. ( XXXX : XXXX ) Even with all these proofs, Discover bank is holding me responsible for those unauthorized transactions.
This collection has already been removed from my other credit bureaus, since the original debt charged off over 10-years ago. XXXX XXXX has violated its subscriber agreement with Experian. My information was taken off of a debt pooling system, has never been validated and can not be enforced by any additional collection process. The negative trade line needs to be removed permanently. It only appears on my Experian report, and XXXX XXXX has maintained it there in true violation of my rights under the Fair Debt Collection Practices Act.
I have paid my Wells Fargo house payments for my home equity loan by online bill pay for many years, doing it manually, with no problems. Beginning in XXXX, my payments of {$1300.00} were not reflected on my next statement. This happened for four consecutive months, XXXX, XXXX, XXXX, and XXXX of XXXX, with a total of {$5500.00} missing. After speaking with them by phone, I faxed copies of each online payment transaction with transaction number, and my WF account number written on each. I delayed making a XXXX payment until they could track down the payments. 
Their response was to completely ignore my proof of payments, sending instead a XXXX page packet telling me how they could help me catch up on payments. Included in that was an application for mortgage assistance. No mention was made of my fax or the proof of payment. 
Wells Fargo advanced me money against the amount of escrow in my house to help pay the taxes on my house for two years. Illness and the recession had decimated me financially. I had originally asked for an escrow account, but was told it was not possible with that type of loan. After the difficulties with the taxes, they started an escrow account, which nearly doubled my payments ; I was ok with this. However, they wanted XXXX retroactive payments, each {$1300.00} ( approx ). I was able to scrape together XXXX, but not a second XXXX. After several phone calls, I was finally connected with a woman who worked with me on the phone for nearly an hour ( XXXX XXXX, XXXX ). Going back and forth for okays, a plan was implemented for the remaining amount ( {$1300.00} ) to be paid over a 48-month period, as part of my monthly payment. It went exactly as planned, until the end of XXXX, the first quarter. Their computer kicked out the agreement, and I was told they had no record of it. That has been an ongoing issue. 
Adding to this problem is the policy WF has concerning signed contracts - once signed, you are never allowed to talk to anyone face to face about any problems. You can not go to their mortgage finance building and speak to anyone. All must be done by phone. In the past XXXX six years, I have been given fake names and phone numbers, which means that I have never been able to talk to the same person twice. I 've been told they have no record of a call made, or a decision made. 
I am making XXXX last attempt to make a payment at WF Mortgage for XXXX and XXXX, by checks, and get a receipt. Online bill payment obviously is n't to be trusted, and I certainly do n't trust them to give them a credit card number on the phone or mail a check.
XXXX XXXX XXXX reported to Experian a new DOFD ( date of first delinquency ) for a negative account that had reached the 7 year date of removal, the account was removed when it reached the original date but then reinserted years later when XXXX purchased the loan. 

XXXX ( original account holder ) communicated the DOFD to the credit reporting agencies and by law, that date ca n't be changed!! The FCRA Compliance Date is the official beginning of first date of delinquency ( DOFD ) which can not be changed once an account is charged-off. The 7-year clock begins 180 days from the time you FIRST missed a payment. Once a charge-off or collection account reaches seven years the credit bureaus must purge the account and it will no longer appear on future credit reports. This date from which the collection must be removed is informally referred to as the " purge from '' date. 


It is illegal for a creditor or collection agency to change the " purge from '' date on a negative credit listing, causing it to remain on a consumer 's credit report longer than allowed by federal law. 

" Re-Aging '' a delinquent account is a serious violation of the FCRA. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance. 
The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the " purge from '' date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7.5 years from the date of first delinquency ( DOFD ). 

I have included my credit report pages supporting the original DFOD date, I labeled the pages ( Exhibit A page XXXX and XXXX ) I have tried to remove this entry before and Experian only comes back with " we verified the information is correct '' They have never sent me the evidence that supports the DOFD now listed on the credit report.
XXXX XXXX will not respond back to issue on my account they source it out to XXXX XXXX XXXX XXXX. On XX/XX/18 they sent the account back to XXXX XXXX in a disputed status. XXXX XXXX   will no respond back not even to they hired to collect which is XXXX XXXX XXXX

I have mailed US Certified mail with no response. I have called and get nothin g but the run around.

When I switch from XXXX XXXX  they took 4 months to get the finale bill to to XXXX and had sent the account to collections before they settle with XXXX. I have letters going back that I mailed XXXX with no response.

There was a lot of errors with XXXX  on this account and as yet to be settle.
I called the Bank of America customer service phone number two days before a transaction took place explaining that they must lock the transaction I called the bank two days before a transaction took place explaining that they must block the transaction and that It would be an error and the third-party XXXX XXXX XXXX agreed. I even spoke to the supervisor explaining can not let the transaction take place if it was the pass again and usually my count is never over drawn to the success and two days later it was in the amount of at least {$470.00}. It 's took place on a day that I really needed access my fun and causing great hardship not to mention be from both Bank of America themselves and other bank branches and Bank of America said they were unwilling to waive the late fee and he said enrolled me in a program that I did not agree to which has caused me receiving more late it 's took place on a day that I really needed access my fun and causing great hardship not to mention be from both Bank of America themselves and other bank branches and Bank of America said they were unwilling to waive the late fee and he said enrolled me in a program that I did fees returned items. Their business practices are unscrupulous and they do not explain anything fully before they do it and they are committing fraud. They are not telling me XXXX on the online website XXXX my mobile app in my account balance will not cover certain transactions until after they post the returned item Fees. They are charging me repeated excessive {$35.00} each
I had a promotional balance transfer balance of {$3100.00}, entering the statement cycle. That cycle, XX/XX/XXXX to XX/XX/XXXX, I made four purchases and two payments. The purchases : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX The payments : XX/XX/XXXX XXXX XX/XX/XXXX XXXX At the end of the month, the promotional balance was XXXX, meaning that XXXX of the payment on XX/XX/XXXX was applied to the promotional balance, rather than the charges made on XX/XX/XXXX and XX/XX/XXXX that carried the higher balance. When I called Wells they said that they " generally '' apply the payment to the higher balance, as " a rule of thumb '' but that " there is no guarantee ''. The customer service rep even admitted that it it two lines in the terms of agreement. I feel like I have been punished for proactively paying down my debt.
OMEGA RS reported a collection account in my name with XXXX XXXX credit bureau without sending me notification of debt and the notice of right to dispute.
In early to mid XXXX I called Wells Fargo to see if there were any available promotions able to be applied to my account. I was given 0 % interest on purchases for 6 months, and 0 % interest on balance transfers for 15 months with a 4 % of the total balance transfer fee upon transfer. I accepted the promotions to be applied to my account. A few days later I called WF again to set up the balance transfer, but before instigating the balance transfer I verbally confirmed with the representative 3 to 4 times that if I made an approximately {$500.00} purchase, and a {$4000.00} balance transfer, and then paid $ XXXX monthly, that the 6 month 0 % interest balance would be paid off before the 6 month promotion expired and I would subsequently be charged interest. The representative verbally confirmed that the 6 month balance would be paid off, multiple times, which I took to be a verbal contract between me and Wells Fargo Bank. I initiated the balance transfer of {$4000.00}, and was charged the 4 % fee of {$160.00}. I also made a {$490.00} purchase. These charges posted to my account XX/XX/XXXX. These two separate promotional balances were shown on my XX/XX/XXXX statement. I then made a {$400.00} payment which applied on XX/XX/XXXX. Upon reviewing my XX/XX/XXXX statement, I found that the 6 month promotional balance had been reduced by {$26.00} to {$470.00} and the 15 month promotional balance had been reduced by {$370.00} to {$3700.00}. 6.645 % of my {$400.00} payment was applied to my 6 month promotional balance, and 93.355 % of my {$400.00} payment was applied to my 15 month promotional balance. At this rate if I continue to make {$400.00} payments monthly I will not pay off the 6 month promotional balance before the promotion is over, and I will be charged interest. I called Wells Fargo today, XX/XX/XXXXand was escalated to a supervisor and then to XXXX at the Executive Office of Customer Care. I explained my situation to him and informed him that I felt that Wells Fargo was breaching a verbal contract made with me. XXXX informed me that there was nothing he could do, and that if I continued to make the $ XXXX monthly payments I would not pay off the balance and would be charged interest. I asked XXXX to provide me with an explanation of how Wells Fargo applies payments to different promotional balances on the same account, and he either could not or would not provide me with that information. In conclusion, I feel that Wells Fargo Bank is in breach of a verbal contract because I was assured that my 6 month promotional balance would be successfully paid off if I made {$400.00} payments per month, and now that I have reviewed my statement after making a {$400.00} payment I see that I will not be able to pay off the 6 month promotional balance in time to avoid being charged interest.
Equifax has egregiously misused all of my personal data, with beyond poor security standards. Credit monitoring service is essentially a joke unless it is made permanent, a more appropriate response would be to facilitate changing all of the associated information where possible - though this is clearly not reasonable for most people. 

This refers to the recent breach, which was known of in XX/XX/XXXX, but just notified X/X/2017. This also is a major issue - I should have known sooner. I have placed an inital alert, though I am unsure if I should participate in their " service '' as there is an unclear class action waiver attached.
I purchased this home due to tax ( XXXX ) I have reached out to the mortgage company for a remedy they have been uncooperative in providing me a clear title to the home # XXXX nor can Citi provide any original loan documents as the origination branch was closed. I was told bye the collection agent there was no proof of the loan via documents
My story started when Bank Of America bought our loan! We bought the house in XXXX XXXX my wife & me at the time XXXX & I thought that we also has insurance on each other in case XXXX passed away, which I will get to later. I got hurt while moving into the house pretty bad. XXXX I worked with these injury 's for a few years in XXXX of XXXX I could no longer working XXXX to make it thru the day. My wife decided that she did n't want to stay so she left & filed for divorce while i was going thru all this. 
I had to XXXX & lost my job to weeks after XXXX. I knew I could n't go back to work so I filed XXXX which I received. since XXXX of XXXX I had been asking help from Bank Of America which they said they would told me to send in a collection of paper work to get the loan modification going which I did over & over again they kept losing my paper work or saying they did n't receive it. this went on till I went up town to the XXXX for help then it still took them for ever to get a loan mod. & XXXX dollars added to my loan from them playing these games. It get better so after all that I met a lady that moved in with me that help me get the loan mod. everything was going fine till XX/XX/XXXX XXXX. So XXXX family comes first we had to help support him & is family while he was recovering. I was n't happy with the loan mod. but they had me over a barrel! I get my XXXX check on the third week ok every month. They made me pay XXXX house payments at closing which put me behind 1 month & late every month. That 's how my second go around with the XXXX. 
started stuck behind the XXXX ball, so when her XXXX we fell behind further. 
I called them an asked if I could get help & they said sure maybe we can get them to let you make extra funds on top of the monthly payment. All I had to do was to summit a pack of papers again that when the games started all over again & the fee 's! I sent this papers over & over & over! I was told by XXXX person that they was all there that it under review & the next would tell me that I was missing things that the last person was reading to me & my handler slipped up & told me it was her job to lose my paper work & play these games! Now they are fast tracking foreclosure on my home! I have some of the paper cover sheets from the faxes that I kept sending. This is the only thing I have left of my hard work before I got hurt. I thing someone should hold them accountable for how wrong they are treating who knows how many people stuck in my situation! By the way my girlfriend has more to lose now that she is my wife since XX/XX/XXXX My ex-wife that was on the original loan has passed away XXXX on XXXX XXXX, XXXX god rest her soul. All I can ask is please help I have been done wrong by these bankers, but I am not without fault. We are just trying to survive & want to keep are house! please! Thank You for listening.
My student loan amount has risen to {$110000.00} and the University XXXX XXXX has unofficially dropped me from the school when I only have 9 credit hours left before I can graduate. {$110000.00} is far too costly for any college education. This is ridiculous to charge a person this much. I am hoping that a large portion or the full amount of this loan be forgiven. The University XXXX XXXX and XXXX XXXX XXXX is ripping me and I'm sure others off with these high college tuition rates. Please forgive this loan and return some of the money spent.
XXXX XXXX XXXX  sent me a debt collection notice regarding a XXXX XXXX bill for services dated XX/XX/XXXX in the amount of {$710.00} for account number XXXX. I called XXXX on XX/XX/XXXX at XXXX XXXX  and spoke with XXXX # XXXX. I informed her that I was calling to dispute the debt and that an error in billing was being discussed with XXXX. She state that she was not going to do anything with the dispute until XXXX sends them something in writing. I reminded her of my rights as a consumer to dispute any debt and that the collection agency needed to follow up with the original debtor to validate any debt. XXXX argued and continued to refuse my request for dispute until I requested to speak to a manager. XXXX was reminded that this conversation was on a recorded line and at that time she complied with my request. I contacted XXXX billing department shortly after and spoke with an agent who confirmed that I had ab balance due of {$710.00}. I informed that representative after looking at the statements that this account was on a payment plan which was set up on XX/XX/XXXX via telephone conversation. The payments were to be EFT through my checking account ending in # XXXX. The representative confirmed this payment plan and stated that payments were being made on the account via mail with various check numbers. She then stated that XXXX payment processing was applying the payments to other accounts with balances instead of the account designated on the check and payment slip with the bill. I was told that instead of following the attached payment voucher that XXXX was applying the payments with any account associated with my patient number # XXXX. When ask why this was done I was informed that the wanted to keep my newer accounts current instead of making my payments on my old accounts, which the payment was designated for. I have made a complaint with XXXX and awaiting management to resolve this issues. XXXX XXXX XXXX has stated that they will not do their do diligence and follow-up on the account.
three years ago citi mortgage forclosed on my home never giving me any opitions, never tried to work something out, even tried to auction off my house but set the starting price at 3 times the value so everyone walked away. my house is still vacate 3 years latter and I still get letters from citi mortgage about property insurance. citi mortgage has already been paid by FHA so they do not care if the house stays vacate and I lost my home