WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern, On XXXX/XXXX/2016 I setup a one time on line payment of {$300.00} to make a payment on my credit card which is a Wells Fargo card. The payment was scheduled for XXXX/XXXX/2016 with a due date of XXXX/XXXX/2016. 
I logged into my account XXXX/XXXX/2016 to confirm the transaction and noticed Well Fargo withdraw {$600.00} from my checking account. Transactions XXXX and XXXX. 
I called and spoke with XXXX XXXX and was told Wells Fargo can not do anything until the transactions post and that I should call XXXX/XXXX/2016 to receive my {$300.00}. 
I asked how did this happen to which she replied, I do n't know, but can see that I setup just XXXX {$300.00} transaction. The horror began when I called back on XXXX/XXXX/2016. 
I was told by a manager, XXXX, I believe her name to be. I was told XXXX transaction will be reversed, but will have to wait up to10 business days for my funds to be returned to my XXXX bank account. Without any doubt in my mind had the bank inadvertently given me {$300.00} the funds would have been immediately withdrawn from my account that day. 
I explained I need the money to pay electric, water, phone, insurances bills etc. etc. XXXX reply was there is NO other option she could afford me and that I have to wait. That alone is atrocious. Being a husband and father of XXXX children, the cash was truly needed. With today 's technology I 'm sure the money could have been returned immediately. Or perhaps all banks work in this fashion, I do n't know. 
Essentially, Wells Fargo, in my opinion stole {$300.00} from my banking account without my permission, have no reasonable explanation as to how it happen and I have no option but to wait up to 10 days for my money. 
I placed my trust in Wells Fargo and was deceived as they basically turned around and as I feel stole from my account and forced XXXX option down my throat, wait for your money. 
Wells Fargo blatantly took my {$300.00} from my account and I 'm forced to wait up to ten days for Wells Fargo to return my money. I guess you can call it a small loan. If Wells Fargo did this to XXXX people over a ten day span which is easy to do, for I 'm proof of that, that would amount to a small loan of {>= $1,000,000}. Imagine what you could do with that amount of money of a 10 day period. 
I believe this practice is unscrupulous and turns innocent people such as myself into victims. 
Under no circumstances should this have ever happened and to hear Wells Fargo explain they have no reasonable explanation is absurd. 
I 'm writing this letter asking the banking committee to investigate this matter and put an end to this ridiculous practice.
In XX/XX/XXXX, I emailed GM Financials support email several weeks before my payment due date of XX/XX/XXXX to request that my Auto Pay authorization be revoked. 4 days before the due date, I logged on to check my account amd my auto pay stilled showed as active, so I called in to check on it and revoke authorization. I was told that they would put in a rush request, but they could not guarantee it would get processed in time because now we were too close to the due date, but that at the latest, it would be processed for the following month ( XX/XX/XXXX ). Unfortunately, my XX/XX/XXXX payment processed and caused a lot of havoc with my bank account and other payments that were due. I called in again and was assured that my revocation would be in place for XX/XX/XXXX. This morning I woke To a notification from my bank that GM financial had processed my XX/XX/XXXX payment. Again, this wreaked havoc on my bank account and other payments that were due. I have called in again and have again been assured that it would be canceled for XX/XX/XXXX, and while I requested restitution for bank fees and other financial impact caused by these auto drafts, none were offered. GM financial should be penalized for twice auto drafting from my account without authorization.
Diversified consultants is continuing to call & harass me despite me telling them everyday, MULTIPLE times per day to STOP calling me. 
Some of the phone numbers they're calling from are XXXX, XXXX & XXXX.
I am having a checking account with Citi. 
Have these kind of issues : 1 ) They do n't provide online access by default. Moreover they never told you whether you need to do that or how to do that? Somehow i got the online access. 
2 ) I wanted to close the account so I wrote a check to my another Bank account ( at XXXX ). Prior to that I asked Citi via Secure message center that i am transferring all the balance via check ( external transfer ) and let me know if there is any issues ( or fees or penalties ) -they said go ahead and account will be closed. I wrote and submitted the check into my XXXX account on XX/XX/XXXX early morning ... and Citi account was suppose to be closed on XX/XX/XXXX after check clearing ... 
Today ( XX/XX/XXXX ) - i come to know that my Citi check has been returned. XXXX charged me return check fees of {$7.00} also. 
When i reached out to Citi and XXXX both. Citi told me that I should have authorized the check ( what??? ) -did n't i told them when i wrote to them last week via secure message center about it? 
Moreover Citi send me the check book - no where it 's mentioned that writing check is blocked and i need to do something to unblock it. Moreover none of the banks in USA does anything like that. So if Citi is doing it differently ( in it 's unique way ) - they should educate the customer before head rather than this sorry situation. I chatted with Citi and also called their customer service. they are not willing to do anything it seems ... mere apologies but nothing more than that. I wasted my time and money and energy for no fault of mine but these weird ( and unknown to customer ) rules of Citi. In other words - Citi is making it too difficult when customer is trying to take his/her money out of the bank account. 

Needless to mention - the account had sufficient money to honor the check. If there is anything required by Citi ( like it is genuine check and customer only had written it ) - they should have called me or informed me at least ( they had my entire contact details as they collected it during the account opening process ). Moreover i wrote the check to myself ( just from Citi to XXXX ) - so there is not even a single reasonable person who will believe me on this nuisance caused by Citi.
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report on only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A  ), you are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
In a letter back in my first dispute, I requested PHYSICAL VERIFICATION OF PROOF THE CREDITOR USED TO VERIFY THIS ACCOUNT IS ACCURATE. As of this date and two disputes later, I have not received anything from your credit bureau, but I did contact you a couple of weeks ago and spoke to a XXXX and I was told by XXXX that when investigating disputes, everything is sent electronically including the Creditors response ; which in my case the Creditor listed didnt send any documents to verify that this account was accurate. 
I requested why I didnt receive documents that the Creditor sent to the XXXX XXXX ; I was told there wasnt any documents sent, the Creditor just responded that the information reported is correct without having to provide any documentation to support the claim. I received a response back from you stating that the consumer stated that the information in the credit file has been VERIFIED AS ACCURATE AND UPDATED. 
My next step is to contact the Federal Trade Commission, the local news, XXXX to get the answers I deserve as a consumer. 
I am supposed to be protected through the Fair Debt Collection Practices Act. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this debt and if they can not verify then the item must be deleted from the report as soon as possible : The listed item is completely inaccurate the item attachments ). XXXX XXXX is the original creditor. My account with XXXX is paid monthly. As you can see I can extend my time whenever I chose by calling, see attachment. Also, from Ashworths own website, I can cancel at any time and they will deduct the amount of the tuition which by their schedule, I have not submitted fifty percent of the assignments, so why am I being charged the full tuition amount. If anything, I completed 25 % of the assignments and should pay a portion. 
I never cancelled the course just postpone due to financial reasons. Per their own document on their website, I will need to cancel my program in writing. I never submitted a cancellation letter, so I am requesting a copy of this alleged letter to validate their claim.
XXXX XXXX/Hunter Warfield ... I moved from an apartment the company was awarded possession of the property and no monetary judgement. I moved out in XXXX 2013, I did not sign a new agreeement or lease. I am providing a copy of court order granting them possession of apartment only .... I dont owe them any money .. The company reports this information to all bureaus, XXXX, XXXX and XXXX The judge awarded them possession of apartment which I left clean and in good standing ... The company keeps reporting this information through various companies and I want it removed I want it removed from my credit report immediately ....
I sent in XXXX police report and the federal trade commissionand Equifax erfuse to removethe refuse to remove XXXXinquiries keep on getting d different answers.sent in what asked for and unable to get my credit report have to call in everytime. XXXX sent up not fixed. there response is to cancel need to monitor my creditreport due to identity thief. charge me XXXX and what to cancel instead of deleting old reports.
I have requested information/validation on this debt bearing my signature and have not received anything stating that I owe this money and by law if the consumer ask for validation they must also show proof of signature. XXXX XXXX have repeatly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done business with XXXX XXXX, never signed a contract, nor do I owe them any money.
In 2011 XXXX XXXX charged off my account. 5 years later Experian suddenly showed it 150 days past due in XXXX. I contacted XXXX XXXX and XXXX to resolve. XXXX XXXX sent me a letter and copied Experian that indeed the account was charged off in XXXX. XXXX XXXX also confirmed with XXXX that this was the case. I have spent numerous hours and phone calls to Experian who refuses to use any letter I have with XXXX XXXX nor the correspondence with XXXX. In XXXX 2011 the account went. To a fresh charge off bringing my score down further. I complained and then in XXXX the 150 days late popped up again bringing my score down a total XXXX points since the event started. Now I 'm in the middle of buying home and it 's impacting my rate AND me even getting a loan. Please help!
This letter is a complaint against Nation Star ( Mr. Copper ) they took upon them self to pay off our taxes with out our consent or any notification what so ever. We were not behind on our taxes and we were paying them as they were due so I was skocked when I went to pay my taxes on XXXX XXXX and the clerk said they were paid in full. 

Nation Star created an escrow account and now they want that money upfront for the taxes that they paid, for what ever reason they they paid them in the first place. Now when we pay our monthly mortgage it seems that our payment is not being recorded because they want this escrow account paid in full. We continue to pay our mortgage monthly. Our monthly payments have not been applied to our loan and we do not know what to do, please help us in anyway possible.
This account was never late or past due. This account was paid on time, every time XXXXXX/XX/XXXX Account Number XXXX Account Type Installment Loan Terms 051 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated - Credit Limit - Past Due Amount {$140.00} High Balance {$19000.00} Monthly Payment {$550.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Ive seeked a Debt Management company for help paying off my Discover Credit Card. I was charged very high interest even after being accepted into the debt manangement program. I reached out to XXXX XXXX XXXX about this, but havent been helped. Im currently supporting my XXXX father and undergoing financial hardships. I am paying for my college loans as well which is making it hard to pay these debts in full. Id like to get help with the high interest fees Ive been paying.
I filed a dispute with Experian Credit Reporting Agency 25 or times regarding inaccuracies with XXXX XXXX XXXX. I am disappointed that Experian could not conduct a fair and impartial investigation of my dispute. I was told by Experian more than 25 times, if does not change and update inaccuracies on credit report the incorrect information will remain on my credit report. I asked the Experian rep what would be the point of me filing a dispute and sending in evidence to support my claim if they were bias and not going to perform a fair investigation. I asked them why would side with the creditor if they were wrong they said that their hands were tied and that there was nothing they could do. I told them the reason why I subscribed to their service for years is so that I could monitor my credit activity and file disputes if any item on my report was reporting in I received a XXXX XXXX Tuition Answer student loan in XXXX or XXXX. The {$25000.00} dollar loan has since more than doubled that amount since I first received it. Another problem I am having is with XXXX Solutions XXXX XXXX XXXX handling the collection of the payments. XXXX has ruined my credit standings with Experian and the other XXXX credit agencies. On XXXX XXXX XXXX, I called XXXX and informed them that I was living in a hotel due to a fire in my home, and at the point I tried to use my several months forbearance. The XXXX Reps gave me the run-around for several months telling me I had to speak to a specific rep that had approved the forbearance but every time I called asking to speak to the reps some of the reps told me they did not know who the rep was or she was unavailable at the time. I continued to call and now the reps story was I was unable to use the forbearance because I did not have enough months to cover the time period in which my payment was due. I was finally granted the forbearance for the time period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX but they still reported me as being late after granting me a retroactive-forbearance. During the forbearance I made 3 payments of XXXX. One of those 3 payments was for the month of XXXX XXXX XXXX this is one of the months they have reported me to the credit agencies as being late. They refuse to change the information with the credit agency. I have reached-out countless times still the information on my credit report remains the same. I think the loan should be reported to the collection agencies as not late and I also think collection of the loan should be canceled because of the outrageous interest they gave me. The loan was first given an interest rate of 13-16 percent initially and now for collection of the loan I was given a lower rate but the lower rate does not make up for all the interest that accrued during the higher interest rate, Thank you.
I saw a news story ( XXXX ) on XX/XX/XXXX about navient ( XXXX ) and to file a complaint if you are effected by them. I have been paying navient for almost 15 years. When interest rate for student loans drop to an all time loan, many people refinanced their student loans to a low interest rate. I contacted XXXX XXXX at that time as well and they told me I could not refinance because their loans only allow " XXXX '' refinance. I graduated in XX/XX/XXXX, I consolidated my student loans and refinanced it to that time ( XX/XX/XXXX ) rate given to me. I have been paying my students loans for 15 years at a high interest rate higher than many others because they will not let me refinance it to the lower rate. I owe approximately {$30000.00}, I have been paying approximately {$500.00} a month for over 5 years, and overall been paying on my loans for over 15 years, and I still owe {$30000.00}. According to my statement I will be paying {$500.00} a month for 10 more years. This is the same as my car and car payments, however I will have my car payed off in 5 years, unlike my student loan. My house loan interst is lower than my student loan.
Approximately 7 years ago, a " Penalty A.P.R. '' was applied to my Chase XXXX credit card account. Since then, this credit card account has been in good standing with on-time payments. Additionally, I have XXXX other personal Chase credit cards that are in good standing, I had a Chase bank mortgage for my former personal residence in XXXX, California that has been paid in full, and my business savings account has had an average collected balance of over {$25000.00} while earning virtually very little interest.
They call leaving multiple messages saying they need to speak to someone that is not me. Saying it is urgent the person they need contact them about a matter before them. 
This is from XXXX XXXX Recovery Division. XXXX XXXX XXXX. I asked them to stop calling me because they have the wrong person. They keep calling.
Under the new law effective XXXX XXXX, 2017 any public record data must include name, address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law the discharged/dismissed Chapter XXXX bankruptcy listed does not include this information and should be deleted from my credit report
I viewed my credit report and found late payments below.. 
Creditor : XXXXXXXX XXXX  Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX. Im not sure when this happened or what could have happened. I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.
On XX/XX/2011 XXXX XXXX XXXX signed a reaffirmation agreement for the mortgage on the XXXX XXXX XXXX XXXX. XXXX Ohio XXXX with XXXX XXXX  XXXX XXXX, as XXXX. The new agreement listed a balance of {$46000.00} with a new interest rate of 5.25 %. from $ XXXX@ 7.37 % this document was filed and entered in Federal court on XX/XX/2011 Docket XXXX see ( Exhibit A ). Per Bank of Americas own loan history, the bank never applied the reaffirmation agreements new terms to the old loan as agreed in court. Bank of America kept sending statements listing the old payment and balance see ( Exhibit XXXX  loan History and XXXX  monthly statements ) at that time this was a XXXX violation of the confirmed bankruptcy plan because the cram down debt listed on the monthly statements had been XXXX per the plan. See ( XXXX XXXX Claims of the confirmed Plan )
My mortgage was sold to PHH Mortgage on XX/XX/XXXX, prior to that it was serviced by XXXX XXXX. I have spoken to XXXX XXXX and my last payment was applied correctly on XX/XX/XXXX for the XX/XX/XXXX payment. Which meant that my first payment to PHH should be applied to the XX/XX/XXXX Payment. On XXXX XXXX I made a payment in the amount of XXXX to be applied to the XX/XX/XXXX payment and on XXXX XXXX I made another payment in the amount of XXXX for the XX/XX/XXXX payment. I have been monitoring the account online since then. I noticed that my account was showing that the due date for the next payment was XX/XX/XXXX. I contacted them 2 weeks after the payments were made and was told that the second payment was misapplied to principle and would be backed out and applied to the XX/XX/XXXX payment. I contacted them again today XX/XX/XXXX. After being transferred 4 times I was now told that both payments were misapplied. I was told again that they would " fix '' it and apply them correctly, but I would have to wait 7-10 days, then I was told 3-5 days then told that it would be fixed today but I still would be unable to have confirmation until Tuesday. I asked what is going to happen when I make a payment this month that should be applied to the XX/XX/XXXX payment. I was told there was no way for them to guarantee that they would apply that payment correctly and I would have to monitor my account. This is absolutely ridiculous, PHH is supposed to be a loan servicer they should be able to properly apply payments to the account. At this point the only acceptable resolution is to have my account transferred to a servicer that can handle accepting monthly payments.
I am in an active modification review with my lender Ocwen, as of XXXX/XXXX/2016 I was informed that additional documents were needed and was informed from XXXX ID # XXXX that the sale currently set for XXXX/XXXX/2016 was ON HOLD pending further documents in which was faxed over on XXXX/XXXX/2016. Now after following up with the lender I am informed the sale is in fact active and they are proceeding tomorrow XXXX/XXXX/2016 at XXXX XXXX leaving me no option but to file an emergency bankruptcy.
On XX/XX/XXXX, 2018, I tried to add my TD Bank account to XXXX in order to make purchases. When I logged into my account, XXXX notified me that " TD Bank is blocking you from enabling external applications. You have the right to access your financial data. Encourage TD Bank to fix this problem by contacting them. '' I have yet to contact the company directly, because various blogs and threads online have described negative experiences, thus I decided to follow one of XXXX 's three suggestions ( XXXX and calling TD Bank as the other two ) and file a complaint with the CFPB. Hopefully this issue can be remedied swiftly.
I filed a complaint with Nationstar Mortgage Services back in XXXX/XXXX/2015 - case # XXXX. Nationstar sent a resolution letter saying they everything was up to date. However, they started sending demand letters again in XXXX 2015. I have sent in supporting documents & canceled checks to confirm all payments have been made up to date. We have been sending in our monthly payments on time every month. We also asked why there were XXXX late charges in XXXX month - no one at Nationstar can give us an explanation. We have called numerous times and they say - '' will research '' and get back to us. No one has called as of today. We received another demand letter today via certified mail. We are under so much stress from Nationstar & their demand letters. They seem to send these letters out every month after they receive our payment. Please Help!! Thank you so much for your time.