WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, Wells Fargo Bank automatically paid an internet social media subscription vendor called XXXX XXXX {$89.00} for a 6-month renewal fee from my Easy Pay Debit  Card account. This happened despite the fact that I had previously emailed XXXX XXXX  to change my subscription plan to a lower {$59.00} fee. XXXX intentionally delayed in replying to me so it could charge me {$89.00}. The original 6-month fee I paid to XXXX XXXX in XX/XX/XXXX was only {$44.00} and their automatic {$89.00} charge was sprung on me by surprise. I fear Wells Fargo Bank would have automatically paid out any amount XXXX  XXXX charged me without ever bothering to get my re-authorization first.

I immediately phoned Wells Fargo Credit Card Claims Assistance to file a claim that I had been overcharged {$30.00} ( {$89.00} - {$59.00} = {$30.00} ). Wells Fargo confirmed to me that {$30.00} was refunded via their Claim # XXXX. I thought this resolved the matter.

However, XXXX XXXX subsequently sent me emails that since Wells Fargo had a " claims investigation pending '', they had cancelled my subscription entirely and I would have to pay them {$59.00} again to restart it. As far as I knew, XXXX XXXX already had collected and kept {$59.00} from my {$89.00} payment. But XXXX XXXX insisted I would have to get that refund from my " bank '' which is Wells Fargo.

When I contacted Wells Fargo Claims again by phone I was told the case was closed and could not be re-opened. I even wrote a letter with full email documentation to Wells Fargo Senior VP for Claims Assistance XXXX XXXX XXXX about this, and he ignored it. 

So XXXX XXXX insists Wells Fargo must process my {$59.00} refund, and Wells Fargo refuses to do anything about it. Given Wells Fargo 's history of questionable banking practices, it may have created some internal procedure to keep my {$59.00} for itself. I would consider that fraud! 

I am already siphoning my accounts to other banks that provide proper customer service.
I ca n't lower my payment ( {$50.00} ), had two forbearance agreements on this same loan amount. Not sure how this has effected my credit, my payment amount, or how they did it on the phone with me not signing or me reading any part of an agreement on-line or in hard copy. The amount never seem to go down even when I have made large payment. Now I feel it was not worth even trying to get an education at all due to all this debt it has cause me.
I have tried to resolved this issue on many occasions with the three credit bureaus about late payments on my XXXX XXXX XXXX credit card to no luck. I have written letters to the company as wee as I was instructed to do.XXXX  states that they do not respond to inquires but to send a letter to the three credit bureaus explaining my dilemma and they will remove the late payments considering it was no fault of mines. I was alone told the bureaus will remove which they did on the pay status bit not the pay history of my account. This has ben going on for months and every time I either call the bureaus to inquire I get a different explanation each time. Every time I call XXXX XXXX they tell me the letter of explanation should be sufficient. I would just like to know where it states late payments the status shows {$0.00}, but the pay status shows the late payments .The informed was changed on one column, but not the other
A consumer in  California had a n issue with a local   XXXX   XXXX   and sued them. I own a   XXXX   XXXX    in Texas with a similar name - but I have no relation to the  XXXX  in California. Due to the similar name, somehow my  XXXX  was named as the defendant in the California consumer 's case.     I did not receive notice of any legal actions in California. A judgment was entered against me in the California case and reported to Experian, which in turn has caused a credit freeze for my business line of credit.     My attorney has contacted the plaintiff in the California case, and the Plaintiff has agreed that I am not the proper defendant. The plaintiff and I have both filed motions with the California court to set aside the judgment because of this error.     I have reported this error to Experian many weeks ago, and my credit line is still frozen and I can not conduct business.
Our mortgage was recently purchased by Nationstar Mortgage Company. We keep scheduling our payments online via their website well within the payment period but continue getting phone calls on our home and cell phones advising that our mortgage payment is late. This happens every month and have asked that they check their records prior to calling and disturbing us. We have asked numerous times but they continue to call day and night. No matter who we speak with they will not stop calling and harassing us.
I submitted several disputes for a bankruptcy that's reporting on my credit report i contacted the courts and submitted the letter that was provided to me by the courts the company keep saying the bankruptcy is verified i asked for documentation showing this and was not provided with any, two other credit bureaus deleted the bankruptcy with no problem once i sent them the letter i received from the courts saying that the court did not have this information on file. I have spoke to supervisors that claim it would be deleted in 15 days but this has not happened.
XXXX listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.
I was reached out to on XX/XX/XXXX by a " locating company '' or something of that nature. A woman told me to call a number XXXX of a company called XXXX XXXX. A woman Named XXXX answered the phone and told me that they have a debt owed to them for a Bank Of America account they purchased back in XX/XX/XXXX. She told me that the amount owed was {$1600.00}. When I asked her questions she was very aggressive towards me and told me that they would pursue me in a manner that would cost me a much grater sum if I didn't start paying immediately. Because I was skeptical with her and voiced that she was using what seemed like manipulative tactics she was quick to say that she was going to put it down that I was denying or rejecting to pay and hung up on me. I don't see anything like this on my credit and with all the Identity theft going around and her extremely unprofessional nature in addition to her extreme sense of urgency to take a payment I was skeptical to say the least. I called her back immediately after she hung up to try and get more info. She told me an account number that was with BOFA of XXXX that was an old overdrawn checking account. She told me I could call them. I asked her what the original amount owed was and she said it was {$300.00} and something dollars. She told me that they had reached out and mailed me stuff to a location I lived at over 10 years ago at XXXX XXXX in XXXX XXXX. She told me to avoid legal action I could settle the debt on the date we spoke for {$400.00} down and pay the other {$490.00} by XX/XX/XXXX. I told her I needed to call Bank Of America to verify that the debt was mine because I was unaware of it. I called them and they were closed for the holiday. I called her back and she said I have till today to make my {$400.00} dollar payment to avoid legal action. After this call I starting doing research on the number called and read a number of stories just like mine about extremely old accounts and aggressive tactics to resolve accounts. She read off the last 4 of my social to me and gave me their address of XXXX XXXX XXXX, XXXX, CA, XXXX to establish credibility. She emailed me a " Debt Verification '' letter that didn't show any kind of interest or the original amount owed. There was a debt balance of {$1600.00} and also {$2600.00} in the body of the letter. It didn't say anything about my ability to dispute it which I'm told is required by law and it doesn't show their license number which I guess is also required.
I will never stop until we drain this filthy face of corruption from the legal system of PA. They lie to you like the worst criminal do and this is no surprise Please see the clear instruction given to you by the office of USA Attorney General and read the garbage those criminals put in your site Is time to drain the corrupted face os PA legal system I am sure that for this {$100000.00} value property XXXX, XXXX XXXX XXXX will pay only on legal fees {>= $1,000,000} minimum. I will not mention the damages and so on that will be drastic high. Also I must stat that this will start a me too movement against those criminal organization specialize in fraud ad criminal activity. I pray that in the Criminal Court she will use those Phelan Hallinan pettifogger lawyers. A very interesting fact of the criminal activity of this deceiving criminal and looting exert Law Firm Phelan Hallinan when they organized the looting of my property they sent me a letter informing me that they withdraw their legal case against me, but they never mention until XX/XX/2018 they organized this crime with the direct help for the local Sheriff Office the same one that helped XXXX foreclosed in a top secret close door days after they inform me that the foreclosure was stope by them. What is interesting about their letter is the fact that they conformed in writing that the looter XXXX XXXX never contacted me because she did not have my address. Those criminal not only deserve to be out of business but also put in prison for life together with XXXX, XXXX, XXXX and XXXX XXXX. To lie in such shameless way is as criminal as the looting act done intentionally but I hope they understand what they started. I am not like those lairs but I will bring them in criminal courts for many years from now on : XXXX, XXXX, XXXX and XXXX XXXX especially. This clearly indicate to what level this filthy XXXX Firms will go lying without any shame. How can you send a letter exactly when they organize the looting and never mention a word about it and after the looting was executed they sent me a letter in XX/XX/2018 to a USA Gov. Agency lying without any shame that they did not have my address? The letter of this pettifogger assistant XXXX XXXX XXXX will have massive consequences in a criminal court soon. Those criminal Law Firms had been find guilty in the Superior Court as well as anther courts for even lying to their clients and triple charge them only because they consider themselves above law ( but not for long ). They use a friend or a relative looter XXXX XXXX and she must use this letter in order to understand her criminal behavior ( as the case is in the Court even now ) and the consequences. This was possible because pf the strict order of the Greek abuser running ( for now ) XXXX XXXX, XXXX and the people from XXXX that was the only company in this planet that knew I will be in XXXX to prove their forge documents XXXX set me a letter stating that they are an international company but I guarantee not for long. Once we go to Criminal Courts there will never ever be a settlement I will guarantee you.
In the final months with Wells Fargo bank after speaking with several bank employees and managers overdraft protection kept charging my account {$35.00} for EVERY transaction whether it was {$1.00} or more. I asked for this feature to be removed several times to no avail. Also, the account kept allowing transactions after the bank was notified. No one tried to help me stop the cascade of fees and I returned my cards to the bank and closed my accounts. I still receive mail correspondence about fees that accumulated after I closed the account!
Credit Bureau Services was unable to verify an alleged debt so it has been removed from my XXXX credit report. However, Credit Bureau Services has began to report the debt under Other Loans and has reported a late payment.
1 ) I have called and requested information from this company 3 times. They tell me they will send the information out to the address I have given them. I have never receive any information. This has been going on since  XXXX  of    2016.    2 ) I have never opened an account with  XXXX . These charges are fraudulent
On XX/XX/2018, I received a notification from XXXX, an OMP cyber incident monitoring service which identifies possible fraudulent activities on one or  more credit reports. According to XXXX, on XX/XX/2018, someone reported use of an incorrect address ( XXXX, MD XXXX ) on my credit report. XXXX does not show the entire address but instructed the consumer to reach out to the credit reporting agencies to obtain said information and dispute any inaccurate information on report. 

On XX/XX/2018, I immediately reached out to XXXX to find out who reported this incorrect address, how it was reported, and a complete address to dispute. 

XXXX refused to provide this information or allow the consumer to dispute the inaccurate information contained in the consumer credit report with full knowledge if someone tried to report a new address most likely will attempt to commit a frauduent act. 

Under the FCRA the consumer is entitled to this information and afforded an opoortunity to dispute and have this information removed from my credit report. In addition, the consumer should be allowed to have said incorrect address immediately removed prior to any attempt of fradulent activities and should not have to place a fraud alert on their consumer report which is a major inconvience if the consumer in the process of obtaining additional lines of credit.
My grandfather 's XXXX insured reverse mortgage seems to be apart of predatory lending and fraudulent mortgage practices. 

After reviewing documents sent from what I thought was a mortgage servicer XXXX, I discovered that the HUD insured reverse mortgage my grandfather took out had multiple loan numbers attached to it and reverse mortgage foreclosure documents that do not match the terms from the recorded deed of trust. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX are listed on these documents. Mortgage documents appear to have been merged together and recorded documents are not signed under penalty of perjury ; and are inaccurate ; incomplete ; and unverified. The recording of a Notice of Default and Notice of Trustee 's Sale, in a XXXX initiation of foreclosure took place under this reverse mortgage while : I was under a HUD foreclosure preventative alternative until XXXX XXXX and discovered that this entity was in a forfeited status and was not allowed to do business in the State of California. It was a trustee 's sale foreclosure of a lien not the Property and a foreclosure with no lender. 

In addition, in XXXX, I received documents at my home that I shared with my grandfather that reference a fake living trust and a fake Estate, which were used on documents pertaining to several fraudulent sales, transfers, transactions, and conveyances.
The creditors keep reporting on my credit report once removed by sending the debt to a different collection agency, which is effecting me in regards to having a better credit score.
i am excemted on paying property taxes in my county. due to the terms of my mortgage my mortgage payments were going to jump from XXXX a month to over 3000.00 a month. i am on a fixed income. i can not afford that amount. i applied for a loan modification which was granted shortly after my application was submitted with all necessary documents such as verification of income proof of residency and verification/confirmation that i do not in fact pay for property taxes. my hoemowner insurance is XXXX a year which should come to be XXXX dlls a month. when given the terms of the modification i was given a breakdown of the payment which is as follows. trial modification amount of XXXX principal & interest of XXXX escrow ( taxes and insurance ) XXXX i should only be paying XXXX a month for my escrow. when i called the lender to discuss the matterthey resuse to correct the problem and adjust the escrow to what it should be. i sent them the documents confirming i do not pay for property taxes numerous times and they never seem to have the document in file. i need authority to help me have the lender re analize the documents and pressure them to adjust my mortgage payment. they are wanting and trying to steal from me. thank you
I contacted XXXX Transunion to dispute errors on my credit report some of them are extremely damaging negative information that is falsely reporting as derogatory or negative and was paid as agreed, transferred, and closed, never late and are too old to report anyway. I am showing 46 payments ever late because of it and it should be at least 10 or less maybe 0. There are several erroneous duplicate accounts showing before actual loan date was established as actual loan there was only 1 loan and the loan was paid as agreed transferred and closed is from XXXX and needs to be deleted. The actual consolidated loan from XXXX XXXX XXXX XXXX XXXX after XXXX XXXX XXXX is a {$50.00} a month payment for 10 months showing paid as agreed, transferred and closed as of XXXX XXXX. I am trying to correct payments ever late and length of credit from 12 years to 16 yrs. since the actual span of credit is 16 yrs. not 12. This should be reporting since they have record of my paid as agreed katahdin loan from XXXX but it still reports only 12 due to error. This is negatively affecting my credit score and needs to be adjusted immediately. When calling their customer service I am not able to successfully correct or dispute payments ever late or length of credit. I have also written a mailed dispute form requesting these changes and the removal of the accounts that are fraudulent too old to report are showing negative when paid as agreed and are erroneously duplicated with dates before the actual loan date came into affect. I sent a dispute to transunion at least 5 months ago and have not received a response or any changes to my information.When attempting to call their trueidentity transunion lines I end up with interception, unwanted listeners and am unsuccessful at filing the dispute or making changes over the phone.
I went on XXXX and ordered my annual free credit report from all XXXX CRA 's. I reviewed the report from XXXX but the site crashed before I could go on to review the reports from Experian and XXXX. The site then said that I had used up my free report review for the latter XXXX companies. I tried to write to them on their site but after emplaining the problem in the " contact us '' space I was unable to submit the request and received an error message. I would like to review my free reports asap.
XX/XX/2016 I opened a checking account with Citi Bank NA. As part of the new account bonus, Citi Bank offered XXXX bonus if I meet criteria to earn the XXXX dollar bonus. I did meet their criteria in same month. Furthermore, to get the XXXX bonus the consumer must wait 90 days to receive the bonus which was fulfilled as well. I visited the branch and requested status of the XXXX. The branch was willing to help but the back office of Citi Bank does not want to fulfill their side of the obligation. They made an agreement to give me the bonus after meeting the criteria but not willing to do so as we speak. I have to constantly follow up for this to no avail as of this date. At a minimum, this is a deceptive marketing gimmick by Citibank and I seek relief from this scam by Citi Bank and like the XXXX I was promised.
BestBuy/CBNA has not updated the payment status on  XXXX   &   XXXX  to paid.   XXXX   is still reporting " Bad debt & placed for collection & skip '' The balance is  XXXX .
This company has never contacted me. Furthermore they called me on a company line which I have stated to XXXX XXXX should not be on my account. this line has been in a port transition since XX/XX/XXXX. It was answered by the location that had it waiting for the port and told all callers my cell number yet this Central Credit Services still called on this number. Something is very fishy about that. They have never contacted me until today and I at least should have the right to protect my credit. if I knew XXXX XXXX had turned this over to collection then I would have had to pay to protect my record. But i didnt. and if they had turned it over how come century link kept speaking with me? No one has informed me.If Central Credit Services is where the calls get routed when in dispute with century link they have never identified themselves as a collection company or I have been mislead into thinking this was XXXX XXXX. I need the opportunity to pay it before it goes on my credit and seek other solution at the court level.
I checked my credit score back in XX/XX/XXXX and it turns out that I owe {$300.00} to an utility bill. I contacted the company and was told to email a dispute, which I did. I called back a month later, XX/XX/XXXX ( today ) and just wanted an update on my dispute. XXXX, the general manager answered the phone and the mood changed once I told him my maiden name ( XXXX ). 
I just wanted an update and relayed that it was code in as a dispute. I then asked if it doesnt do anything if I dispute an account and he answered with a sarcastic tone, its code in as a dispute but it will still stay in your credit score until you pay it off. Mind you, Im not familiar with how any of this works, a little more knowledge would have been appreciated. 
I added, well wouldnt it seem unfair to you that you call the utility company and tell them youre moving out of state and you pay a fee to close the account but nothing is mentioned about owing anything? He proceeded with a sarcastic tone, it seems fair to me because its for services Id use. ( Which I agree but my main is that I wasnt NOTIFYING I owed the money. ) Then I explained to him that I never received a notice and that I changed my address last month with them. Again, with a non-friendly tone of voice : We dont have a crystal ball to find out where you are, we send it to the best location possible. The utility company sent a letter once and we sent two notices to a XXXX XXXX XXXX Ive never lived in an address like that, and even when you pull my credit report ALL of my addresses come up, but not one XXXX XXXX is ever there. 
Is there anything else I can help you with? He said with a rude tone. 
Do you settle account? 
He sighed and hung up on me. 

I called back and I got a lady on the phone, I explained what happened on the previous call and she said I was speaking to XXXX, the GM, that theres no one higher I can speak to but him. 
I said, so the general manager is the one hanging up on people? She proceeded to transfer me to his voicemail because he wasnt available. 


Collection companies really do make it hard when all youre trying to do is mend your credit score. Id love to pay but I still see that its a bit unfair that I was never notified. If you check my score, thats the only account I owe and its in collections because I was never NOTIFIED. 

I wish I could pay the money to another company, not them. A company that isnt based in the south and whose attitude wont change after you provide your maiden last name - XXXX descent. Sounds sad, but true. 

Also to note, the utility company had all of my personal info, name, dob, Ssn, email, phone number. How come they never attempted a call? Neither did the collection company - not one call.
Experian continues to report wrong information in the address section. They show that I have resided at XXXX XXXX, GA XXXX. I have disputed this multiple times to no avail. I just got the new case file number XXXX which still has this address on the file. This needs to be deleted at once. I also requested all contact information of who supplied this information which Experian has failed to comply with. This violates the FCRA.
original creditor and went to court and the case was dismissed by the circuit court judge. The debt was found to be no accurate. The case was dismissed. I have supporting documentation from the courts to prove it 's dismissal.