WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX 2016, I 'd visited the Wells Fargo ( " WF '' ) branch located at XXXX XXXX XXXX , XXXX, TX XXXX to make a deposit. 

Upon my arrival, I was greeted by a banker sitting at his desk. I told him that I was making a deposit, and he directed me to the teller line. I approached the teller, a white male, and told him I needed to make a deposit of some cash and a check. He asked for my debit card, which I provided him. I then entered my security PIN on the WF Point of Sale terminal. 

I opened a check ( {$220.00} ) that I had received from the United States Postal Service in front of him. He took the check, and I asked if I could receive a color copy. He said he could n't do a color copy, and instead asked if I wanted a B & W copy, to which I had declined. 

He then proceeded to deposit the {$100.00} cash and asked if there was anything else I needed. I said no, and then the WF Point-of-Sale machine asked how I would like my receipt. I selected to have the receipt delivered electronically to my WF account inbox. 

I had then remembered I needed to exchange some coins I brought from home. I mentioned this to him, and he seemed glad to help. He and I counted the coins together ( he used a plastic counting device ). The change amounted to a little more than {$10.00}, and he handed me a {$10.00} bill in addition to returning me some coins. 

I thanked him, asking if there was anything else I needed to do. He responded in the negative, and I promptly left, going to the XXXX Bank next to the WF location. 

On Friday, XXXX XXXX 2016, I had viewed my account online, and saw that it was about {$300.00} short of what it should be. Some further research led me to find that neither the check I deposited, nor the cash I deposited, had been registered in my account. I called the same WF branch and spoke to the branch manager. The branch manager confirmed that there was no check that had been deposited in my account in the time period I gave her ( XXXX - XXXX XXXX ). She then asked me several times if I was sure I 'd gone to that exact WF, to which I replied in the affirmative. She told me that the chances that I did n't go to this WF branch were greater than the chances of XXXX of her employees just taking the cash. She advised me to find the check number from the USPS, and call back. 

Around XXXX, I 'd called the same WF branch, and asked to speak with the manager. I was transferred to the Assistant Manager, as the Manager had left for the day. Upon giving the Assistant Manager my check number, he affirmed that no such check had been deposited. He said I could stop payment on the check, but gave me no option for retrieving / finding my cash. He said it was unlikely that I was at that WF branch. I 'd requested to see the video tape to prove that I 'd been there, to which he refused, saying that I 'd need to file a Police Report to have access to the tape. I 'd asked him if there was any other way I could view the tape, to which he said, he 'd given me all my options, and hung up abruptly.
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. Bankruptcy Chapter XXXX-dismissed Equifax : XXXX.
I was at the end of my lease and I contacted XXXX to arrange an inspection for the return of my lease. 

Unbeknownst to me, a payment that I paid from my business through ACH was returned due to a technical glitch. 

I was on the phone with XXXX on Wednesday and Thursday, XX/XX/XXXX and XXXX discussing my end of lease options and return of lease. At no time during the conversations, did they mention to me that there was a problem with my payments. 

Furthermore, XXXX never contacted either by email, phone or regular mail to inform me that there was any sort of problem with my lease. 

Sunday night XX/XX/XXXX, a tow truck came to repossess my car. Please keep in mind that this was a holiday weekend, and I had no recourse until Tuesday. 

I immediately called XXXX, made the payment of {$1000.00}, and I was assured that the car would be returned to me so I can retrieve my personal belongings and fix and slight damages. 

After called again, I was then informed that no, I would not be allowed to retrieve my car. 

XXXX agreed to waive the towing fee, but I have yet to receive a confirmation of this. 

The way XXXX handled this was troubling on so many levels. They never informed me of a default or late payment. They never gave me ANY opportunity to correct the default. I have NEVER been late on my car payments even once during the whole lease period. They NEVER mentioned any issue even though I was on the phone with them many times. 

And Finally, they came like a thief in the night to repossess my car on a Sunday night on a Holiday Weekend
XX/XX/17 {$880.00} was put into collections without my notice. I was not aware of this.
For the second consecutive month, Sallie Mae has incorrectly and falsely reported my payment status to the credit bureaus that they report to.
On Tuesday XXXX XXXX, XXXX I checked my bank statement and notice XXXX was missing from my joint checking account. I later discover that a unauthorized payment was made to navy federal rewards cards. I immediately called my bank to find out what was going on and was eventually connected to the collection department. The employee told me that they were covered under a security clause to take a payment if funds were available in a different account and that I waive my rights every time I swipe my card. When I questioned the validation of this policy I was told I would get an email that never happen! Finally the department agree to do a reverse payment within 24 hours. On XXXX XXXX I checked my account to see if the money was back in my account, unfortunately it was n't in there. We are a family of 5 going through tough times. I ca n't afford to have the credit card company take what they want from my joint checking account.
I took out an FHA mortgage loan through Loan Depot to buy our home a few years ago. Our family has run into some financial difficulties in the past year and have missed some mortgage payments. I am filing this complaint because Loan Depot has been difficult to deal with, has not given me requested information, has not completed reviews and seems to be purposely trying to stop me from getting reviewed for government programs. The only option they are providing is to reinstate the full past due amount which is now close to {$11000.00}. I am not able to do this and believe there are other options available, but Loan Depot is saying there is nothing else I can do and even if they did work to modify me it would only save me {$60.00} a month. 

When we applied for the loan my wife and I were both gainfully employed ( I have worked in the XXXX for XXXX years XXXX and my wife works in XXXX. We had sufficient incomes to pay our mortgage payment and everything was fine the first couple of years until the oil industry took a dive. Overnight my hours were dramatically cut which drastically reduced my income. In that same time frame my wife began having some major medical issues and started having restrictions at work. This made it difficult to keep a job or any type of regular hours. Because of these two issues we began struggling to keep up with our payments and eventually feel behind on the loan. We contacted our servicer Loan Depot as soon as we missed our payment to try and get them to work with us. We had been told that FHA loans had many programs available for struggling homeowners -- our income was lower than when we bought the house and we were led to believe that there were programs that could help us. We were shocked at the way that we were treated by the Loan Depot agents. It was very difficult to communicate, we had to send and re-send the same paperwork on multiple occasions and then are told that if we were to ever get approved for help we would only save {$60.00} a month so it is not really worth it. I do n't believe this is the way Loan Depot is supposed to handle our loss mitigation request ; I do n't believe that Loan Depot has given us access to all of the FHA programs that should be made available such as modification, forbearance agreement, repayment plans or partial claim. 

What is most frustrating is that during this lengthy review our delinquent amount has continued to increase -- -we attempted to make a payment a few months ago but were told that it was not possible to make a payment anymore unless we paid the entire delinquent amount all at once. This is just not possible. My wife is working full time again and my hours have stabilized and we can afford a reasonable payment. I feel that we are headed to foreclosure unless a miracle happens. That does not seem right.
On XX/XX/XXXX my Wells Fargo debit card was unfortunately stolen. Once I discovered that my card was stolen I immediately reported it to Wells Fargo. Consequently whom ever stole my card gained access to my checking and savings accounts. The fraudulent transactions that took place caused my checking and savings accounts to be over drawn. I have called Wells Fargo everyday since XX/XX/XXXX to get his issue resolved. Wells Fargo manager XXXX id XXXX, advised me that the {$400.00} that is still reflecting in my savings account had been refunded and it was my responsibility to transfer the money from my checking which was negative as well? So, they expected me to know that the credits they gave were for both accounts that I had been advised were XXXX separate accounts. How am I having to pay for something that I did not cause to Wells Fargo? This institution is ultimately stealing from me now, and I feel that I by no way should have to fund my savings account {$400.00}? The purchases and transfers that took place were all authorized my Wells Fargo but were not authorized by me. I am not paying Wells Fargo {$400.00} for something I did not cause nor did I authorize any of these transactions. I need for them to correct he problems. I feel that Wells Fargo does n't want to own up to the fact they authorized fraudlant transactions and now they will not own up to it. Wells Fargo by far the worse institution.
I have always checked my credit report several times a year and it has been right. I just checked my credit report yesterday and found that now it shows that I worked for XXXX. I have never worked for XXXX. I believe this is the only error. 
It 's impossible to find the tool to correct it using XXXX XXXX or TransUnion or XXXX. I just keep going around in circles between the links. That 's why I am noting it here. There should be an easy, qhick place to correct something so simple. Instead Id am going around and around, getting more and more frustrated.
in 2015 my wife XXXX, we had a mortgage loan with the XXXX XXXX XXXX XXXX XXXX, she was the co-signer on this loan, so I went to the bank and got the approval for a special forbea-rance or moratory of payments for a year period by the loss and mitigation program of the bank because I am a XXXX and the loan is XXXX mortage loan, but regardless I was approved by the bank to not make payments for one year and only pay XXXX dollars per month, wich I paid on time every month the bank still reported to the credit bureau that I was on delinquency on payments or failing to pay. I understand that this is not fair and the bank was supossed to not report to the credit bureau because a was under a legal agreement with them. I expect there has to be a law to protect the consumers tha are under a hardship situation and had complain with the requirements by the mortgage banks.
I graduated top of my class from the XXXX, XXXX XXXX XXXX XXXX, XXXX, 2012. I heard recently about the lawsuit against XXXX under Predatory loan coercion.from CFPB. The XXXX XXXX has been shut down. Even though they promised job placement in XXXX, I never received it through them. I 'm having a hard time making my loan payments because I do n't have a full-time XXXX job. I did get a delay in my XXXX payments, but now they are charging me more interest for this delay.which they did not stipulate I still owe over {$9000.00}. in loans through XXXX and XXXX loan programs. I started out owing over {$18000.00}. to XXXX so I have been earnest in in my responsibility to pay this debt. 
Is there anyway I can receive loan forgiveness or reduction from this lawsuit? I would like to know my options for a XXXX Discharge for XXXX misrepresentation of their job placement promises. 
Thank you, XXXX XXXX
Bank of America Account # XXXX XXXX XXXX XXXX opened in XX/XX/2009 appears in my XXXX credit report as a derogatory info as being charged off for {$3300.00}. Shown as an authorized user.
On XX/XX/XXXX I was contacted by XXXX of XXXX about an old credit card debt that I had with Providian XXXX. He stated that I had filed for a credit card under false pretense and that I had a complaint for  the theft of a credit card account.  I told him that I had never heard of this credit card and never received any paperwork regarding a credit card and a debt.  I asked him if he would send me the paperwork regarding the debt which he told me XXXX then I was emailed an agreement to start making payments and the document's total was XXXX. I refused to sign it and I was practically bullied into giving my credit card information so I could start making payments. I told him that I always check my credit every month through XXXX and an account from Providian has never been placed on my credit report. My credit is average and Providian has never been on my report. Then he gave me XXXX different dates when the card was in status of "charged off" XX/XX/XXXX and I stated it is past the statue of limitations and then he stated XX/XX/XXXX.  He refused to mail the paperwork so I could see documentation of the exact date I had applied for the credit card. He told me that I would be sued and have to pay attorney fees I was afraid and I gave him my credit card information but when I received the agreement from the amount had jumped from XXXX to XXXX dollars and I refused to sign. In addition, the documents he emailed me were dated XXXX and I have until XXXX to sign them. I did not make initial contact until XX/XX/XXXX. I responded to an email and stated why wasn't I mailed this document sooner?
I really feel threatened because I don't think he wanted to listen to me and he kept placing me on hold stating that he was preparing the paperwork but then when I was emailed the paperwork that did not have the right dates on them which I talked with him in XX/XX/XXXX the documents had already been prepared months ago and they never made contact with me.
They had the wrong zip code on the paperwork so if it was mailed it went somewhere else. I do not appreciate being treated like a criminal when I haven't heard anything about this company. I have been a victim of identity theft but I feel I am a victim of being criminalized of something I have no clue about.
Chase Account number beginning XXXX appears on all 3 credit reports as purportedly " late '' with a payment in XXXX XXXX. That is inaccurate. At the time, I requested a new closing date on the Chase account to coincide with other closing dates such that I can make payments to all my credit cards at one time instead of scattered through a month. I was informed by phone that the closing date was changed, and payment was made by the new due date in a timely manner. However, it was n't until one month later that I was informed the payment made in XXXX XXXX for XXXX XXXX was considered " late '' because the new closing date would not go into effect until the following month, i.e., exactly the opposite of what I was told by phone. The problem with the credit report is that there is no way I can " prove a negative '' in the sense that it was a recorded conversation but, I do not believe any of the the 3 credit reporting companies were provided the correct information by Chase with no evidence of the recording ( which Chase tells you at the beginning of any customer service conversation is recorded ), thereby leaving me to no fair opportunity to properly dispute the so-called late payment or prove it is incorrect. The account has since been closed and paid in full.
I have disputed portfolio recovery accounts multiple times with XXXX. XXXX have failed many times to properly verify these accounts. Portfolio recovers keeps sending me a account statement saying this counts a verification. According to the law it does not count as verification. I can create a statement saying anyone owes me money. According to 609 Credit act they need to prove this account is mine. They havent gave me proper documentation to prove these accounts are mines.

XXXX has deleted all these accounts on my credit report.

XXXX  has deleted 2 out of the 3 so far I expect XXXX to delete all 3 off my reports.
3 years ago Wells Fargo rep recommended to open a secure business credit card to bring up my credit scores, sold as credit repair. Wells Fargo used my {$1000.00}, what was converted to a standard credit card a year and a half later. The problem is just find it out, the business credit is not getting any credit ratings/scores at all. So it is not effecting my credit worthiness.3 years of use of the card for nothing.Finally I picked up on it, something is really wrong because my credit score was barely rising per year, using the card with $ XXXX/month auto pay, a lot more then the {$25.00} minimum payment would have been.Interestingly you can change everything on the WF website, after you log in in the manage accounts, like do transfers between accounts, but to change the amount of the MINIMUM monthly payment is not possible. Actually only Wells Fargo Rep can  change that for us, after you call them on the phone line! You can not adjust your own payments to a higher number, if you liked to! Regardless how the business card is on my name, beyond the name of the business, is used with my social security numbers, you wont get any credit points/ratings for the use of the card.This product is a fraud.First they used my own money for 18 months, and now XXXX   rep said they don't rate credit for business credit cards period.Only the personal accounts getting scored.I asked WF rep on the phone who rates it, and he had no answer for me. Well no one is the right answer.So why Wells Fargo selling the idea first place for the credit repair? It is not repairing a thing.They have secured and other person cash for 18 months for free use .Just like a new saving account for them.They play the market with with my founds for their own benefit. Why not the in house rep advised me correctly to get a personal line of credit card for the promised credit repair? Everyone blames everyone. We to costumers are getting taken for a ride with offer of a fraudulent product/service. If I close this card now it will effect my scores. We are screwed both ways on this deal.
A counterfeit check was written on my business account in the amount of {$4800.00}. The check was made out to a business and it was cashed. The signature that was supposed to be mine was n't even close to resembling my signature but Bank of America is stating that they can not recover the funds. I feel that it is their mistake and no they should return my funds.
I received an alert on my Equifax credit reporting changing one of my accounts in good standing to say, " I was disputing the same and a re investigation was in progress. '' this is false. I never once disputed this item with Equifax. I am starting to believe Equifax is retaliating against me for my other XXXX complaints I filed with this office. I am not and have never disputed an account in good standing. The account information is attached it was a XXXX XXXX XXXX. Why the comment was added without my permission or knowledge is completely unacceptable and false. The attached is my alert from Equifax on XX/XX/2015, as you can see they falsely indicate I am disputing this item. I no longer trust Equifax.
Today on XXXX/XXXX/XXXX I returned a call to XXXX XXXX of Premium Asset Services LLC. I told her that this debt was paid to the original company I asked her for the information to contact said company. XXXX transferred me to a XXXX XXXX who as soon as he got on the phone was belligerent I said to him that all I needed from him was the phone number to the CC company and his response was that he was not going to give me anything, and he did n't give XXXX because they had talked to me in XXXX and I owed them $ XXXX and they were going to collect. He also threatened me to sue me for this debt. I told him that it was not necessary for him to talk to me like that and I hung up the phone on him. I am in the middle of purchasing a home this debt was not on my credit in XXXX XXXX or previous to. I do n't understand why if I paid this to the original debtor and it been longer than 7 year how is this even allowed. I did n't not entered in a credit contract with Premium Asset Services , LLC so they should not be able to call and threaten me. Also the Statute of Limitations in XXXX DC XXXX in which I live is 3 years. This is unbelievable that a company that you have no contract with can call harass, and threaten you. In conclusion I called XXXX back to let her know that I will be back in touch with her once I receive Bank Statements from XXXX from my bank.
I have fully paid the provider of the service, XXXX. XXXX should contact XXXX, their partner, to resolve this issue. I can not pay twice for the same service
XXXX XXXX XXXX, Acct # XXXX amount XXXX XX/XX/2013
Case number XXXX was incorrectly closed without any action or resolution provided. The company illegally making the credit inquiry, XXXX, provided a blanket disclaimer that they were a third party and would audit Loan Depot 's permissable purpose. They did not provide any result or position on the matter. The case was closed without their audit resolution or intentions. I am requesting the issue be reopened until XXXX completes their audit and removes the false credit information or provides evidence that I applied for a loan -- evidence which does not exist. Loan Depot 's  telephone calls attempting to get me to refinance 3 months after my home purchase were 100 % rejected repeatedly. Thank you.
XXXX XXXX ( ca n't remember exact date ) I called equifax for the 6th time this month to report that fraudulent activity was going on with my account. Somehow I kept getting inquires added to my account that I was not authorizing. I thought that maybe this could have been from the data breach that was going on. I have XXXX inquires that I did not authorize. After being on hold and hung up on numerous times I finally got one of the rudest people ever. I informed the rep that I had already reached out to most of the creditors and that all they told me was they would dispute but it would be best to call the credit bureaus to have them delete the inquires since it was affecting my credit score and because I did not authorize. The rep basically told me I was liar, made me feel stupid, belittled me, and would not transfer me to a different rep or management. He wouldnt even give me his name to make a complaint on him. I informed him all I wanted was all inquires deleted off my account because I NEVER made any of them and that my score drastically decreased because of it. I had never felt so belittled in my life. After listening to this rep make me feel like a complete XXXX and that I was doing something wrong I ask to speak to a manager this rep actually told me he refused to transfer me because I was a liar and no one could do anything for me. I never in my life felt the way this rep made me feel and it made me hate equifax for it. All I wanted was some unauthorized inquires deleted. That 's it!!
I have an outstanding payday loan, I am being told to a company by the name of midland. I 'm not familiar with the debt. they have threatened to come to my home and job to arrest me. Please help, I honestly do not know what this is about. Their tel # XXXX