WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo drafted {$600.00} from my savings account that listed my son on the account at the time this account was opened my son XXXX XXXX was a minor so I XXXX XXXX was the custodian under the XXXX XXXX. This draft was due to fraudulent activity that occurred on my son XXXX XXXX separate checking account where he is listed by himself. It was communicated to me that the bank had the right to draft the funds for the overdraft fees from the savings account because he was listed on the account. The claim with Wells Fargo was made on XXXX/XXXX/XXXX with a customer service rep by the name of XXXX who would not communicate her last name because she stated that they are advised not to give out last names, never the less she communicated that I could go and close the savings account where my son and I were listed together and all funds would be refunded to the primary account I asked the representative several times would the funds be refunded to the primary and I was assured that it would be, so here we are over 30 days later where the claim has been resolved my son primary checking accoutn is current and all of his funds are available to him and for some reason I have yet to receive the {$600.00} that was removed from the shared savings account. The claim that we made was approved and for some reason I have yet to receive the {$600.00} that was drafted from the savings. Now since then my son as well as myself have made numerous attempts to have this issue resolved only to continue to receive the run around and to be given multiple explanations as to why the {$600.00} has not been refunded. There was a deposit made into the account for {$1600.00} on the date of XXXX/XXXX/XXXX but only {$850.00} was made available to the account never the full amount of the {$1600.00} which means there are funds that still need to be disbursed and still I have no resolution from Wells Fargo as to were those funds are so by filing this complaint I am hoping to secure those funds that were taken away from the shared savings account due to fraudulent activity that has occurred on the person primary checking account.
The following individuals have been accessing my personal credit reports without my permission and impersonating they are me as well as government officials. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX The above mentioned parties have repeatedly accessed my credit reports without my permission and acting as if they are me,
Sent debt collector request to validate. They sent statement with XXXX logo on it, an XXXX number, total amount due, bill date, a closing balance, additional charges ( undefined ). And that 's it. No notice of right to dispute. No other information requested in my letter.
I have been trying to dispute fraudulent charges made on my account since XXXX XXXX. I left the United States and last used the card on XXXX XXXX, XXXX ( please see attached airline receipt and passport page image ). However, fraudulent charges began appearing on my account on XXXX XXXX, XXXX. I noticed these charges on XXXX XXXX, XXXX and called Citibank from XXXX XXXX. Citibank sent me an email alerting me to the fraud ( see attached ). I was told that the charges would be investigated. I also requested that the account be closed and it did not happen. I called again on XXXX XXXX, XXXX and was told that the charges were still under investigation. On XXXX XXXX, XXXX, I submitted a payment of {$1000.00} and was told that the credit would be applied for the fraudulent charges. That also did not happen. I visited a Citibank branch in XXXX, Florida on XXXX XXXX, XXXX and was told that they could not help me with my credit card account there. I called again on XXXX XXXX, XXXX and spent 47 minutes on the phone speaking with 3 different representatives. First, I spoke with XXXX. I explained the issue with the fraudulent charges and she assured me that fraudulent charges would be refunded to the account along with late fees and interest charges which resulted from those fraud charges. She then transferred me to XXXX in the Fraud Dept who said she had no access to the account and that she would have to contact the Billing Dispute Department. She transferred me to XXXX. XXXX is the one that helped me the most, reviewing the fraudulent charges with me and initiating disputes for each of them. When she finished going through each charge she told me that someone would call me back within 24-48 hours. I asked her about the interest fees and late charges. She said that an account supervisor would need to help me with that and told me to hold. I was then disconnected from the call after 47 minutes! I called back again right away and spoke with XXXX. Without even letting me explain what my issue was she said I had to call back at XXXX tomorrow to speak with a Collections Supervisor. I explained that I had just finally initiated a fraud investigation on my account for the 3rd time and that the account should not be in collections. She told me that someone would call me back within 2-3 days. I got very upset about that since XXXX had told me I would hear back within 1-2 days. I asked about the timeframe again to be clear and XXXX said it would be 1-2 days. She then insisted that she could see all of the notes made on the account, but that I would have to call back the next day to speak with a Collections Department Supervisor at XXXX. Also, please note that I was placed on hold several times during this call and was on the phone for a total of 23 minutes. You can see a screenshot of my phone in the uploaded items. I am XXXX years old!!!
XXXX/XXXX and XXXX/XXXX two unauthorized hard inquiries on XX/XX/2016.
I contacted all 3 credit report agency 's and informed them I was a victim of their " inquiry issue ''. And needed all of the credit inquiries taken off all 3 credit reports. They did not seem interested and pawn me off. I 'm one of the real victims and not some person. Just trying to hack my credit report. Thanks for any help that can be given
Both I and my spouse attempted to place a credit freeze with Experian. In both instances, we were denied to do this online. We had no issue with XXXX  or XXXX. 

The reason to do this as soon as possible is because I was contacted by a credit card issuer to confirm if I had requested a credit card from them which I did not. 

Thank you XXXX
On X/XX/2017, I went on to https : //www.transunion.com/ to find a means to access my TransUnion credit report . I was prompted to create an user account on https : //www.transunion.com/. I was notified through email that I had signed up for a credit monitoring service for {$19.00} per month excluding taxes. In total, I was charged {$21.00} per month including taxes. During the account creation process, no mention of signing up for the credit monitoring service was made. Upon finding out this erroneous charge, I looked to cancel the credit monitoring service. I was able to cancel the subscription service within minutes. However, I was still billed {$21.00}. I am seeking a full refund for this fraudulent charge of {$21.00} and will be writing to my state 's Attorney General 's office about TransUnion 's misleading and predatory account creation process.
XXXX This company keeps on calling me spam messages and I keep on blocking them and they keep on calling me
A number starting with ( XXXX ) XXXX calls me every single day multiple times a day starting from XXXX XXXX until XXXX XXXX  The last four digits of the number are always different. They have called me every single day for the past 8 days in a row. When I answer, nobody speaks. I have sat on the line for 90 seconds just to see if an automated system message would begin but it never has. Its just silence. When I call the numbers back, its always the same voicemail You have reached Trans World.. but nobody ever talks when they call. I feel harassed and a little unsafe as I do not know if this is a scam or not. I have told them multiple times to please stop calling when I answer the phone but Ive never gotten a response and they continue to call. When I XXXX it, trans world comes up as a collection agency and I do have an eviction in collection for {$1400.00} so Im not sure if this is related or a scam. Please help!!! This is getting very aggravating. I cant block the number because the last four digits are always different
I checked my XXXX account and seen that XXXX XXXX   and XXXX are showing on my credit report for {$310.00}, XXXX sold this account to XXXX XXXX. I sent XXXX XXXXy a certified letter in XXXX to have them validate that this debt is mine. The company send me a letter back with a paper that shows a bill in my name. The company is not providing me with any documentation with my original signature that this debt is mine.
On XX/XX/XXXX, a {$380.00} transaction from XXXX caused my Bank of America checking account to be over drawn, a {$35.00} fee was charged on XX/XX/XXXX, which made the account {$410.00}, so on XX/XX/XXXX I deposited {$300.00} into my Bank of America checking account. There was a {$68.00} XXXX XXXX XXXX transaction pending, therefore my receipt stated my balance was - {$180.00}. I planned to deposit the {$180.00} on XX/XX/XXXX, once I had more money ; however on XX/XX/XXXX, I discovered Bank of America, went back and updated their system to reflect my XXXX payment and a {$170.00} recovery fee being deducted leaving only {$25.00} in my checking account. This caused me to have additional fees with XXXX and Bank of America. I contacted Bank of America on XX/XX/XXXX @ approximately XXXX and was on hold for 30 minutes at least, before I spoke with XXXX . Then I spoke with a supervisor from Alabama, Mr. XXXX @ approximately XXXX, whose only concern was the recovery fee, despite me explaining the financial hardship their actions were creating for me, due to my bill payments being returned, causing additional fees, so Bank of America could take the funds as recovery. On at least 2 other occasions {$15.00} has been deducted from my account for recovery without prior notice, days later I receive a notification in the mail. Bank of America has never advised me that they were going to randomly deduct any amount of money they desire from my account, creating a financial hardship for me. I filed a complaint ( XXXX-XXXX ) on XX/XX/XXXX with CFPB because while my daughter was told to submit additional evidence which she did, Bank of America closed the account without notice, while we thought the investigation was reopened due to additional proof provided. I have been had my Bank of America account for many years and I am a XXXX veteran, already under financial strain which my account reflects. The account being recovered from never should have been closed, it was my daughter 's college account, I would have agreed to a payment arrangement of some sort. Bank of America 's actions are unethical and I plead with your agency to open and complete a full investigation because this may be common practice, and the consumer has no defense other than to close their account and have their credit negatively affected.
I have a judgement on my experian credit report and I have no idea where it came from and I have stayed with my parents since XX/XX/2010.
After I graduated from XXXX ( which also lied to me about the whole process of the loans ) I was given a suppose 6 month free period but the interest was still going thru that time period. I had reduced my XXXX debt down to XXXX after graduating thru means of grants and such for good grades and now that I have this diploma that does not even work since XXXX was a fraud and I 'm stuck here with the debt I was baited into and I just feel cheated and Navient will not work with me to maintain my payments at a recent amount, my options are pay over XXXX dollars a month, get a deferment which would just increase my loan or not pay at all and get harassed by them daily. Just seems like no one is there to help me after graduating, I 'm just a customer number to them that they want to extract money from. Perhaps talking about XXXX in this complaint about Navient ( XXXX XXXX ) but I just feel cheated by both companies, I can not attend school anymore with a loan because of it and I can not use the diploma either, it is just a piece of paper now.
I recently learned that Equifax was hacked and personal data was given to unauthorized person ( s ). I checked if I was among those people and I was. I am afraid my data was given to some entity without my permission nor was it legal.
The debt was forgiven due to XXXX  and was agreed to be removed off my credit file
My loan debt is zero. I 've received all letters stating this and I 'm out of default status. I 'm beginning college at University XXXX next week and this negative impact on my financial aid is Ludacris. I have proof all loans are not default or have a balance. They harass with calls even though I owe nothing I 'm going to sue if I have to. I want that negative impact information removed asap my credit is suffering because of these greedy collection agencies and I wo n't stand for it.
ACCOUNTS REC SOLUTIONSAccount Number : XXXX Opened : XXXX : Paid, Closed. 

I called ACCOUNTS REC SOLUTIONS on XXXX 2011 in regards to bill that was sent to them as a collection, on behalf on physician lab. I was unaware about this until I contacted them, and when I did XXXX of their representative informed me that as long as I make some type of payment continuously this will not be sent to the XXXX. Unfortunately, it was sent to them, even after I paid the account in full. I contacted the XXXX and informed them of the situation, and they told me to contact the collection agency and ask them to request the XXXX to have the deliquency removed. The supervisor who I spoke to stated that she will not do that because it will require tremendous amount of work for her to do so, therefore she ca n't do it.
SYNCB/FUNANCING said I was late XXXX payment XXXX 2014. I never received a notice saying that I was late. This was paid off XXXX XXXX. They can not go back and see what the issue was. So please check in to it and clear this from my record. 

Thank-You XXXX XXXX
calling family members about a very old debt, and telling them, they are looking for me and if they do n't serve me papers I will have a warrant for my arrest. old credit card debt from years ago.
This afternoon, XX/XX/XXXX, I received a phone call from Foster and Monroe from XXXX XXXX, NY. The individual introduced himself as an " investigator '' who was attempting to contact me to discuss options for paying my loan I received from XXXX-a tribal lending institution located in Missouri. This individual informed me that legal action had been commenced by the tribe and that a wage garnishment/wage attachment in the amount of 42.5 % was 24 hours  away from being duly executed. I was told that their " chief paralegal '' had filed the paperwork on behalf of the tribe and had also been appointed to execute the garnishment of wages. When I informed this individual that the garnishment has to be an action of state law, he replied that I waived my rights to state law when I signed my lending contract. This was NEVER disclosed to me. Furthermore, there is federal case law out of the XXXX XXXX of PA that holds XXXX XXXX   and Payday Lenders can not garnish wages of non-Indian persons-regardless of the language of the contract. The first conversation ended with a request to speak with the " Chief Paralegal '' in order to receive a copy of my filings. 

A little less than an hour later, I received a call from someone claiming to be the " Chief Paralegal '' and told him, I needed to be emailed copies of the court summons, pleadings, filings and judgments. I was told that tribal courts dont necessarily follow usual protocals and they can essentially do whatever they want-in an attempt to justify the 42.5 % wage garnishment/attachment. 

I provided this individual with the number and name of my Pay Day Loan Consolidation company. I spoke with my advisor who informed me no call from New York State had been received by his office. I also have not received any email with any legal documents attached that indicate any tribal filings have been made against me, any hearings have been schedule and any rulings have been issues. Additionally, the original loan in question is no longer offered by XXXX and the originally collection agency that bought my account from AWL purchased it in XX/XX/XXXX. 

I contacted, the original collections company and informed them of the encounter with Foster and Monroe. After spending upwards of 15 minutes with XXXX XXXX XXXX ; it came to my attention that XXXX had no idea who Foster Monroe was, became very interested in what they had told me and informed me that ACM would investigate Foster/Monroe and that I should not pay them anything. I am waiting to hear back from XXXX. 

I sincerely hope that this board lives up to its mission statement and agrees to help and save me from this attempted " financial extortion ''. 

Thank you. 

Regards, XXXX XXXX, XXXX.
I am writing to complain about Navient and its illegal practice of misapplying payments without my expressed permission. On XX/XX/XXXX, I mailed in three separate payoff payments ( each payment was over {$5000.00} ) along with specific instructions for each payment. My instructions identified my account number, the specific loan numbers, and the specific loan amounts that I intended it to be applied to. In my letter, I also requested that Navient provide me with an explanation if it is unwilling or unable to follow my instructions. On XX/XX/XXXX, Navient applied two of the three payments correctly. However, Navient misapplied one of the payments. I received no notification from Navient of any kind about the misapplication/misuse of my payment. I found out only after logging into my Navient online account. I called Navient on XX/XX/XXXX and tried to get Navient to refund me that misapplied payment. At first, a Navient representative ( XXXX, XXXX ) said that she has processed my refund request ( after she had asked me to upload a bank statement showing that my check has cleared my bank ), and that my refund request should be approved within XXXX hours. Three full days go by. I called Navient again on XX/XX/XXXX and find out from " XXXX '' that my refund still hasn't been approved. I asked for an explanation. I received no explanation. The second representative said she would get it approved " the next morning. '' It wasn't. I called again on the evening of XX/XX/XXXX to check on the refund and spoke to a third Navient representative ( XXXX XXXX ). That representative said my payment has been redistributed, meaning re-misapplied. I asked who authorized the re-misapplication of my payment? He couldn't give me a clear answer.
To whom it may concern, I am in need of some help. I have a XXXX private loan through AES. Both for {$16000.00} and some change. I have been paying on this/these loans for 10 YEARS!! On their website under Payment Summary it shows that I paid {$10000.00} in PRINCIPAL but yet my loans are as follows loan # XXXX {$15000.00} and {$16000.00} for a total of {$1300.00}. That is a far cry form {$10000.00} in principal. Oh, and I have paid {$18000.00} in interest so I not confusing the XXXX. They have sent me to collections on XXXX loan even though I have paid on several occasions. Granted late and skip some over the last few months because of this situation. I do not see how this is fair!! I really think they are scamming me. Please HELP!! I have screen shots of all this as well as photos of the screen on my iPhone. I will also contact a lawyer to see if I can get legal help as well. Thank you for your time.
I was going through my credit report & noticed there were couple of late payments listed for my 2 capital one credit cards which I wasn't made aware. I made payment on-time every month and i did not received any past due amount. 

Late payments listed below : XX/XX/XXXX -30 days ; XX/XX/XXXX - 30 days ; XX/XX/XXXX - 60 days ; XX/XX/XXXX - 30 days ; XX/XX/XXXX -30 days ; XXXX -60 days : XXXX -30 days Please kindly update those payment above to show paid as agreed. 

Thank you!
I have reviewed the attached documentation submitted by XXXX XXXX in connection with a previously submitted complaint. Nowhere on the application does it authorize XXXX XXXX, XXXX, or any entity, financial or otherwise, by specific name, proxy or otherwise to obtain my credit report. Due to XXXX XXXX 's failure to clearly and unambiguously identity itself as an entity authorized to obtain any credit report, this credit application is null and void. I spoke with XXXX XXXX of XXXX XXXX XXXX at XXXX and she confirmed that nowhere on the application is XXXX XXXX XXXX or any business entity whatsoever identified. In turn, the hard inquiry by XXXX XXXX XXXX is rendered invalid along with the XXXX XXXX XXXX hard inquiry itself.
A foreclosure action has been filed in Florida against my property by XXXX, whose trustee is XXXX XXXX XXXX XXXX, XXXX, not in its individual capacity but solely as trustee. 
The Delaware Secretary of State has issued a certificate of " NO RECORD '' for XXXX. The Delaware XXXX Title XXXX Chapter XXXX requires a certificate of trust to be filed with the Delaware Division of Corporations. In SEC filings XXXX XXXX I Trust is listed as a trust subsidiary with formation in Delaware yet there is " NO RECORD '' of this trust in Delaware. Furthermore, there is no record of authorization to conduct business for XXXX XXXX XXXX in Florida. 
We demand evidence that that XXXX XXXX XXXX XXXX is a legal entity, along with evidence of its authority to conduct business in Florida. 
Barring such evidence, we demand that XXXX XXXX XXXX XXXX XXXX cease all legal action.
I received a settlement offer from Portfolio Recovery stating they will settle my account after I make a payment of {$130.00}, which will then reflect as a " Settled in Full, '' however, it is reporting a balance of {$320.00} and showing as an open collection on all 3 credit bureaus. I did contact them today X/XX/18 regarding this and the representative said it could take 10-21 days to reflect the payment but that the balance will still show and it will remain as an open collection on all 3 reports. This collection needs to reflect closed and paid in full.
XXXX XXXX XXXX is still being reported on my credit report. it is over 7 half years old and need to be remove. violate of fcr 611.
I called money gram today XX/XX/2017 about the money I sent to let them know I was involved with a scam and I got the run around and no help from them at all. I lost XXXX through this company and they were trying to pin it on XXXX.
Contacted XXXX XXXX in XX/XX/XXXX/XX/XX/2017 to settle debt I had outstanding. Came to agreement to pay less than full balance to settle debt owed. Made 4 payments : XX/XX/17 : {$400.00}, XX/XX/17 : {$590.00}, XX/XX/17 : {$490.00}, XX/XX/17 : {$490.00}, XX/XX/17 : {$490.00} totaling {$2400.00} with the agreement this would settle the debt owed. Comenity bank breached our contract and sold the debt to another 3rd party in XX/XX/XXXX.
I owed money to a roofing company. The roofing company turned the debt over to Bowen and Associates collection agency. Bowen and Associates called me to collect the debt. I gave them a check over the phone and paid the full amount. Bowen and Associates never paid the money to the roofing company. Now the roofing company has sent me a demand letter for the money and threatened to sue me. The debt was paid but Bowen and Associates stole my money.
I have sent a certified letter to XXXX, XXXX, and Equifax disputing a negative item that they are reporting on my credit report from XXXX XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX XXXX XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, XXXX, and Equifax failed to do, only sent me a letter saying the account was verified.