WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, On XXXX XXXX, I electronically transferred some money from my Wells Fargo Business account to my Wells Fargo Checking account via my web account. Just so you now, these are linked together online. The reason I made the transfer was to cover a subsequent electronic payment of estimated quarterly tax to the IRS the next day. 
When I logged in to my Wells Fargo accounts online, I discovered that my Checking account was in the red because there was insufficient fund in my Checking account. Payment went out to the IRS the next day as expected, however, money was not transferred from my Business account as I earlier requested online. So, I immediately went ahead to electronically transfer funds from my Business account to my Checking account in order to more than cover the shortfall. I then called Wells Fargo to alert them about this incident. After about 30 minutes on the phone, they confirmed that there was indeed a glitch on their system on XXXX XXXX and/or XXXX. When I asked them why they did not take steps to inform their customers about this, they said this information is only shared with customers who called in to complain. I was surprised by this statement. I further asked them to ensure I am not charged an overdraft fee as they typically do when there is insufficient fund in my Checking account, even if there is sufficient fund in the Business account. This is another issue I 've raised with them on a couple of occasions. However, they claimed I could not automatically link my Business account to the Checking account for overdraft purposes, despite the fact that I was the sole owner of my business and solely operate the Business account. They informed me that I would have to manually make transfers online whenever I expect a shortfall in the Checking account. Anyway, going by to my first issue, I found out on the XXXX of XXXX that I have indeed been charged an overdraft fee for insufficient fund in my Checking account on the XXXX of XXXX, despite the fact that this was entirely Wells Fargo 's fault. I am very inconvenienced by this and would like action taken to ensure this does not occur in future. Thank you for assistance. 

XXXX XXXX
Merchant name : XXXX XXXX  # XXXX Claim amount : {$550.00} Transaction Date : XX/XX/XXXX To Whom It May Concern : Upon viewing my year-end card summary send by my credit card account I noted an unauthorized charge appearing to have occurred in XX/XX/XXXX. In speaking with my credit card/banking company, the claim was quickly closed as it was outside the dispute window of 60 days. However, I am pushing to contest for further investigation.

In my research of the Merchant I contacted XXXX XXXX XXXX to ask about the # XXXX site the number denotes site/store codes. The XXXX XXXX # XXXX site was only to be the location code of the XXXX WA XXXX XXXX XXXX  ( Address : XXXX XXXX XXXX XXXX XXXX, WA XXXX - Phone : ( XXXX ) XXXX ).

I spoke with a representative from the site, who explained that monetary transactions from the site do not occur unless it is a matter of internal employee billing. Additionally, 1 ) I have never been an employee or employee of an XXXX XXXX  subsidiary company 2 ) I have not purchased an item from XXXX XXXX or a subsidiary company since XX/XX/XXXXand said purchase was a printer ink cartridge.

Moreover, in investigating this Merchant I found a number of similar claims online : The credit card or debit card charge XXXX XXXX # XXXX XXXX WA was first spotted on XX/XX/XXXX. This charge has been reported as trusted by 31 users, 31 users marked the credit card charge as suspicious. ( XXXX XXXX XXXX ) Looked at my VISA acct & reported suspicious charge from XXXX XXXX  # XXXX. If you look at XXXX XXXX  website there is no such store. Closed my visa acct. XX/XX/XXXX ( XXXX XXXX XXXX  ) The amount of {$250.00} was charged to my credit card twice on XX/XX/XXXX, a total of {$500.00}. I live in Alabama, and I did not make any purchases in XXXX, Washington. ( XXXX XXXX XXXX  ) This was undoubtedly an unauthorized and fraudulent charge on my account. Therefore, I am reaching out once more for a higher level of examination and support in resolving this case. Thank you for your time and consideration.

Thank you.
On XX/XX/18 I paid in full my Barclay MasterCard ending in XXXX the balance was {$2800.00}. As always I would check my account online or by phone.Since I have this account I always keep it in with good standing.When I call in the system would always ask me a series of security questions to confirm it is me such as my date of birth, the last four digits of my social security, mailing address, mother maiden name.When I call in to check on my account it ask once a series of question security which I answer with no problem then I was transfer with to live a person in customer service which I answer and pass a series of question.Then they say they still a problem of ID that is me. Then they ask me to send a copy of Driver License, Social Security Card, Utilities bill which I did and I did not heard from them in many things.So I contact them again then they got them but now I need to make a copies of the back of my Driver License and Social Security Card and I also told them the second time that I have two address one for my primary and the other secondary.Then I mail a copies of back of the two documents they requested then still I did not heard from them for many days once again I have to contact them and go to a series of question and they still place restriction on my account. I have reason to believe they have done this because Iam XXXX.
During the time that my mother was transferring the property to me, Nation Star broke into the house. At that time, the house was filled with personal belongings, specifically a lot of collectors items. After this break in, a lot of things were missing from the house. Nation Star ripped out wood floors, busted the ceiling open to get a safe that was hiding in the ceiling, and left the safe completely empty. 

After this happened, I called the XXXX XXXX Police Department and filed a report. When I went to the XXXX XXXX XXXX and Deed 's Office, the lady I spoke with said nothing was filed on this house that would give anyone the right to break in. She said that I needed to get an attorney. 

I called Nation Star and explained the situation. Nation Star did n't even know who owned the house and requested that I email them paperwork showing the house was in my name. After sending them the paperwork they requested, they gave me the lockbox code, were very apologetic, said they would write up a report of the break-in, and send me documentation showing that the lien was valid. Nation Star failed to provide me with the documentation I requested. They sent me a payoff quote and several emails with corrupt files that could n't be opened. They also never sent me the report of the break in. Nation Star went silent and I did n't hear back from them. I assumed this was because they realized they had broken the law by breaking into this house without following proper procedures. 

I decided to move forward with my plans to remodel the house and found a partner for the project. Then I quit claimed the house over to XXXX XXXX XXXX, a company I own, and XXXX XXXX. When my partner contacted a real estate agent, she informed us that the house was already foreclosed on and sold in a sheriff 's sale. I received no notice, no email, phone call, or letter in the mail. I checked the mail at this house at least twice a week and had a construction crew working on the house during this time.
Hunter Warfield Inc. has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
This is against global credit collection corp I have seen where they are scammers and been in law suits i hsvent read anything good about em they collect for XXXX XXXX when I read all the complaints I hate I gave them information agread to the payment they wanted me to pay well now they have had me over drawed twice one time it was XXXX then XXXX when I called them to explain I 'm was sorry the money was n't there I had unexpected bills they knew I was on a fixed income they should have took it out sooner they wanted to know if I could pay how could I when I had no money in the bank telling me they would report this they have been call-in and call-in and I have never heard of s collection agent taking XXXX out every time for the draft where and who was that goin to I have never had that happen charge everytime they set what they want u to pay not what u can afford they should work with u I have health problems I do n't need to be harrised by call-in it 's XXXX owed to them they have got enough out of me that I 've paid I wish this could be written off I hope this get resolved and they do n't start by threating me they are doin this or that and I 'm worried will they keep taking money out when it 's none there until I get paid again it 's not my fault if I have to pay they need to work with me and understand I 'm afraid could they freeze my checking account until they get there money if u all could help with this it would help me out I also told them to stop taking money out cause they was over draw in me thank
Allied interstate, ( while acting as an agent of dish network ), has failed to provide me with documentation relating to the claim from dish network that I dish any monies whatsoever, the request for documentation was sent to allied via USPS and was ultimately ignored. They have continued to call me, ignoring the FACT that this alleged debt is not valid, and that they have no proof of this debt whatsoever.
1. I have an American Express Credit card through XXXX and made major purchases and American Express was to pay me a percentage that was to be given back to me. They failed to give me my percentage in XXXX XXXX. XXXX quit accepting the American Express card the their stores after XXXX XXXX, XXXX. When I called American Express they told me they would send me my reward earned but they never sent it. 
2. In XXXX XXXX American Express changed my True Earnings credit card to a Blue Cash Everyday Card without notifying me. I understand American Express and XXXX were in talks then about the credit card that would be accepted at the XXXX stores. I was then told by American Express that I would be getting the new XXXX XXXX card. I called American express and was told that I would not be getting the new XXXX XXXX card because they changed my account to a Blue Cash Everyday card and only the True Earnings card would be given the new XXXX card. My mortgage is through XXXX fro the past 11 years and I have never been late on a payment. This concern was also listed by other XXXX members in the media. 
3. I have had had several credits on my American Express card and have been unable to get American Express to send me a refund. They sent me a refund of {$50.00} and then sent me the same amount of {$50.00} a few days later and has refused to send me all of my credits on my account since I have not used this account in some time. I have requested a manager to call me on several occasions but none has ever called me. I was also told that none is available. 
Credits $ XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX
I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT DURING THE XXXX DATA BREACH AND DID  NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS FOR THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.
My husband and I a joint checking account at Bank of America, in XXXX, VA. The Bank allowed one of our check payees to cash the same check twice. In fact, the Bank allowed this payee to do this five different times, over a four-month period, for a total of {$1900.00}. I have the supporting documentation, including the record of the checking account debits and the duplicate check images that the Bank included in our checking account statements. I called the Bank 's fraud department today. The first person said it is not possible for a check to be cashed twice ; the system is designed to catch that. When I presented her with the evidence, she transferred me to the Bank 's check fraud department. The woman there said that because I wrote the checks in question, that was not fraud on the Bank and that I would have to go to the police to get my money back. When I told her that I was a lawyer and gave her the definition of fraud, she took my information and said that the Bank would be sending me the forms to file a claim, which would be reviewed by a claims analyst. She said I would get the forms within seven to ten business days. She suggested that I might want to close my account. I will file the claim, and I will get my money back. But I am appalled that Bank of America 's system allows the same check to be deposited twice. I am also appalled that neither of the Bank 's fraud department representatives appeared to view this as a serious customer security problem and that neither representative appeared interested in following up on the systems security issue. The woman in the check fraud department surmised that the payee had first deposited each check using a mobile app and then later deposited the hard copy of the check in an ATM. The checks were cashed in different check statement periods. So, the Bank 's representative working in the check fraud department believes that it is possible for a payee to deposit a check using a mobile app and then later to deposit the hard copy of the same check. But she apparently does n't think that is a serious security systems problem!!!
My name is XXXX XXXX XXXX telephone number XXXX or XXXX address is XXXX XXXX XXXX XXXX SC XXXX email address is XXXXXXXXXXXX XXXX 2015 I was contacted on my cell XXXX by an automated dialer from number XXXX Ally financial XXXX times with a span of 1hour on all occasions .. this is considered harassment. They are only to contact my XXXX a day between XXXX and XXXX I am requesting {$10000.00} for the XXXX offenses after the XXXX call. Total {$3000.00}. On XXXX the called my home telephone # XXXX as well by an automated dialer XXXX times as well. I am requesting {$10000.00} for the XXXX offenses after the XXXX call. Total {$3000.00} ... ... .I 'm requesting XXXX on for this date On XXXX I was contacted by an automated dialer from Ally financial from XXXX on both my cell phone XXXX and my home phone XXXX XXXX times I 'm requesting {$6000.00} total for this dateOn XXXX the contacted XXXX more on my cell phone XXXX from XXXX $ XXXX would like a total of {$14.00}, XXXX Engage in any conduct, the natural consequence of which is to harass, abuse or oppress. ( FDCPA 15 U.S.C. 1692d ) Cause a telephone to ring an unreasonable amount of times ( FDCPA 15 U.S.C. 1692d )
I have a loan with Sallie Mae ( XXXX ) that I 've been struggling with for years. I 've been able to make payments again recently but still have a small balance past due as they will no longer grant me forbearance. In addition to calling me and my cosigner at least 7 times per day, they have begun calling family members of mine who are not on any of my loan documents. Specifically, they have begun calling my father 's girlfriend on her private, unlisted home phone. My father did not cosign my loan. He had nothing to do with it. He 's not even on my birth certificate. He lives XXXX miles away. I 'm not sure how they found him or gained access to their private phone number. It 's terrifying. My loan is roughly {$20000.00}. I 'm past due on about {$1000.00} but have been making payments. This is effecting my mental health especially now as they seem to be stalking me and somehow gaining access to my personal information outside of my loan documentation.
Bank of America sent me a demand for information regarding a business an account that has been with the bank for 30 years. They are looking for organizing documents, articles of incorporation, etc. I said those were not easily available or may not exist anymore. I said i have filed annual report with the state of new jersey and federal tax returns. XXXX XXXX XXXX said those are not good enough and if i do not comply Bank of America that " We can freeze your account ''
On XX/XX/XXXX at XXXX XXXX, I contacted XXXX XXXX XXXX. I spoke to XXXX. XXXX identification number is : XXXX. I called to ask why I was getting phone calls about my account going into default. I had an agreement with XXXX on XX/XX/XXXX at XXXX XXXX XXXX ( ID:XXXX ) to pay {$150.00} to bring my account up to date. XXXX stated I had until XX/XX/XXXX to pay the XXXX dollars. I agreed to do so. My bank states XXXX XXXX received and cashed my check on XX/XX/XXXX. When I talked to XXXX she claimed the check hadnt been recieved or applied to my account. I told her about my bank reporting the check being cashed. She again reiterated that they hadnt recieved any money from me, and asked for another {$150.00} to secure a good faith payment and to keep my account from going into default. I reported I did not have another XXXX dollars to give her. I also asked XXXX to stop calling my friends and family and disclosing my debt to unauthorized persons, and to stop calling me after XXXX XXXX  and before XXXX XXXX. I reported that it was illegal to harass me and to call after XXXX XXXX and before XXXX. I also reported it was illegal for her company to disclose my information to friends and family members without my consent. XXXX reported they were within their legal limits to do so. When I reported the Fair Debt Collections Practices Act, XXXX began to back pedal and claimed XXXX XXXX and its employees have not disclosed my information to friends and family. I replied by saying, interesting, and that my friends and family members are reporting otherwise. Contact with XXXX ended after that conversation.
I have gotten back on my feet from a 3 month medical injury. I have faithfully made payments on my Wells Fargo Credit card throughout this time. Unfortunately, because I was unable to work I had to use my credit card from Wells Fargo for other expenses. Now my payments have gone up to XXXX a month which is okay, but last month I could only afford to make a XXXX payment. They are charging me this month XXXX. This XXXX is : XXXX I was remiss last month plus the XXXX I owe and a XXXX late fee. This is ridiculous because they are charging me double interest as a late fee. Can you help me?
I have two problems with Ocwen, my mortgage company. First I asked them to remove my FHA mortgage insurance and they denied it because " The LTV is greater than 78 % of the original value. When I purchased my home the value was XXXX and i currently owe XXXX. Which is less than 78 %. When I called, they stated what they meant was 78 % of the original loan amount. There wording says one thing and they mean another.. very misleading and wrong. 

Second issue my XXXX escrow analysis. Ocwen is doing very shady mathematical practices on my escrow analysis which is causing my monthly payment to go up dramatically. I received a letter stating my expected escrow balance is {$55.00}, making my expected balance deficiency {$0.00}. Total escrow shortage {$0.00}, cushion of {$480.00}, and and additional {$1700.00} is needed for the escrow balance. XXXX divided into XXXX payments of {$48.00}. My mortgage has gone up {$82.00}. They ca n't give me a clear answer of what is going on with my loan. My taxes stayed the same and my insurance went up less than {$20.00}. I was told my a representative that is an issue from XXXX when my loan was purchased from GMAC. My XXXX escrow analysis had a shortage of {$480.00} which was only the cushion.
I am please begin for help after these banks have vacillated so much that I have incurred tons of fees on top of my mortgage. Not only have I incurred extra expense but I have provided various times loan modification package to no success. I need to maintain my home for I have been a single parent for many years. My XXXX daughters and my grandchildren live with me. They contribute towards the home expenses. 

This home has giving me problems from the moment I purchased my home in XXXX.. I was given an adjustable mortgage with no explanation. The only explanation I received was that If I did not close the deal I will lose my down payment. I had absolutely no knowledge as to how this program worked. As a single parent all I wanted was a safe home for my girls for XXXX of them was XXXX coming from school. However, it was quite strange to me that my attorney at the time was discussing how unfair this program was and how I could not cancel the closing at the time for I had would lost my down payment. I realized after investigating that this origination was and is what they call PREDATORY LENDING. I do understand that predatory lending is a practice that imposes unfair or abusive loans terms for a borrower. It is also a practice that convinces borrower to accept unfair terms trough deceptive, unscrupulous actions. 
Please understand that I had originally defaulted do to loss of my employment. This was do to circumstances beyond my control.. I am now employed full time and my XXXX daughters also are contributing to the home. I just provided a week in a half ago another package. The sale day for my home is XXXX XXXX. Please I need to keep my home. .I have hired an attorney and I understand that predatory lending is a serious matter. 
Your quick response will be appreciated.
I enrolled with XXXX XXXX XXXX in XXXX of 2018 and, per their advice, changed my contact information with them to the XXXX info. They called my personal phone and attempted to collect the debt. I informed them at that time that I had contracted with XXXX which, in Washington State, is legal  representation. I told them on their recorded line not to contact me anymore and to communicate with XXXX. I told them I knew they had the contact information readily available because I had updated my information to XXXX XXXX. They contacted me and left voicemails at least 14 more times between XXXX to XXXX of 2018. I still have the voicemails saved on my phone.
I paid this debt off in the amount of XXXX on the XX/XX/XXXX this year. The debt was removed from my credit report on the XX/XX/XXXX of the same month ; today the debt reappeared on my credit report in the amount of XXXX. It has been more than thirty days and this should be reported as paid. I have yet to be sent my initial promissory note, last bill statement, and receipt for payment.
I have had my wages garnished starting on XX/XX/2015 for the debt in question. I have almost paid off the entire amount, as of a few days ago I checked the court docket site and the company is trying to do a bank attachment for the full amount! I have almost paid it off through the wage garnishment, I have proof via my pay stubs. Also they have filed a lien on my house as well. Seems as though they are trying to triple collect this debt.