WillisBack/dataset-financial-user-claim huggingface dataset:
I went to a Wells Fargo ATM on Tuesday XXXX XXXX to deposit cash and a check into my account to cover expenses, after inputting my card and pin, the ATM said it was not taking deposits. 

I then traveled to another Wells Fargo branch and ATM only to have the same problem there. 

The next day ( XXXX ), same exact problem, at both branches ATM 's. The following day ( XXXX ) after work, I tried again, after dropping off my rent check which I knew would go through right away. This time I was able to deposit at the ATM, however, Wells Fargo still gave me overdraft fees on XXXX before they posted my check going through on XXXX even though I deposited it on XXXX. 

I called Wells Fargo and they would not discharge the fees because it was n't a bank error, and told me it was my responsibility to inform them if the ATM is not working and that they had no record of me attempting my deposits on XXXX or XXXX, only the deposit I finally made on XXXX, but that because my deposit would n't go through until XXXX, they would not waive my overdraft fees. 

I do n't understand how they would have no record of my first XXXX attempts over 2 days to make my deposit at XXXX different ATM machines when I had to input my pin at those machines, plus I know I am on camera standing there at the machines. 

Why is it my responsibility to inform them their ATM 's are n't working for 2 days when they are attached to the bank? 

Contacting customer service was absolutely no help since they claimed that they have no proof that I attempted to deposit or even visited these ATM 's on XXXX or XXXX - despite me mentioning that I am on camera at those ATM 's and they accepted my card and pin before telling me they could n't take a deposit. 

If I input my card and pin at those locations, and I 'm on camera, how is there no record of me being there? Also, this is not a bank error? And why am I suppose to inform them their ATM does n't work? 

Not to mention after I did make my deposit, they still charged me overdraft fees because they posted those first before my actual deposit.
I have been receiving a automated call from a " XXXX XXXX '' looking for myself stating " this is the final attempt. Call back for proper delivery of these documents. And to call back XXXX. '' I have never had any dealings with this company and their scare tactics wo n't work. 

But is is very annoying that they call my home 4 times in a row then leave a message on the 4th try.
I was sent a letter from Wells Fargo regarding my mortgage on my property at XXXX XXXX XXXX XXXX, AZ XXXX to refinance my loan, the letter stated that if I sent them XXXX that could be my payment instead of the usual XXXX All I had to do was to start those payments, I did that in XXXX as requested by the letter. Now, I get the check back saying that that was n't enough money for my mortgage so my mortgage could be in default. I sent that amount to start my mortgage loan modification. I am sending you the letter I received. I did not receive any more phone calls. Now I have a letter with a check in it that they have not accepted. I have never seen anymore incompetence then these people on mortgages. I get a different loan perservation officer everytime I turn around. I have dozen of letters from different names. The loan officer does not live in my state. I can not contact anyone in my state to help me. They just refer me out to some XXXX number. This is ridiculous. This is my home and I have worked hard to keep it. They have done nothing but add to confusion and misrepresent their offers by mail. If I do talk to someone by phone, they dont even know what is going on with my loan preservationist. I am beginning to wonder if that person really exists. I am tired of dealing with incompetence and fraudulent behaviors and it has caused me great grief and stress to keep dealing with different people all the time. I am sending you the letter I received and a copy of the check that was returned to me. I am tired of all this misrepresentation and fraud.-+
Greetings, I have initiated a multiple disputes with Equifax over the past few months to remove unauthorized fraudulent accounts they have failed to fully validated belongs to me. It has been well over the 30 days given for Equifax to respond with validated proof per the Fair Credit Reporting Act. I have provided all requested documents to Equifax including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors " XXXX XXXX XXXX '' " XXXX '' and " XXXX XXXX '' but they have also fail to fully validate contractually the account belongs to me. Below are the reporting accounts and addresses that should be Removed / Deleted from my Equifax credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Accounts : 1 ) XXXX XXXX XXXX - Account # : XXXX 2 )  XXXX/XXXX XXXX - Account # : XXXX 3 ) XXXX XXXX - Account # : XXXX Reporting Addresses : 1 ) XXXX XXXX XXXX XXXX, PA XXXX 2 )  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX XXXX, GA XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX
XX/XX/XXXX SPS VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692 -1692 Section 808 ( a ) AFTER FAILING TO VALIDATE DEBT FORECLOSURE CASE # XXXX XXXX XXXX FLORIDA This complaint is to request for Sanctions against SELECT PORTFOLIO FOR SERVICNG INCs violation and malicios activities for refusing to comply with NOTICE TO CEASE COMMUNITATION, and stop enforce security interest after failing to validate a Disputed Debt, owned by a purported TRUST called XXXX XXXX XXXX XXXX, opening a third ( 3 ) Foreclosure action at XXXX XXXX Florida ( case # XXXX ) to defraud complainant. 
Since XX/XX/XXXX Select Portfolio Servicing willfully failed to disclose Notice of Verification Debt request. 

On XX/XX/XXXX Select Portfolio Servicing was served with NOTICE TO CEASE COMMUNITATION and refrain to collect and enforce security interest, under Fair Debt Collection Practices Act 15 U.S.C. 1692-1692 Section 808 ( a  ), though Consumer Protection Financial Bureau ( CPFB ). 

SPS shall refrain to collect and enforce security interest, under Fair Debt Collection Practices Act. 15 U.S.C. 1692-1692 Section 808 ( a ), Unfair practices there is no present right to possession of the property claimed as collateral through an enforceable security interest In violation Fair Debt Collection Practices Act. 15 U.S.C. 1692-1692 Section 808 ( a ), after NOTICE TO CEASE COMMUNITATION, Select Portfolio Servicing ( SPS ) open a third ( 3 ) legalAction of Foreclosure case # # XXXX in the state of Florida to defraud and mislead homeowner and Justice claiming false interest on a debt, it can not validate. 

Select Portfolio Servicing as supposed Power Attorney of XXXX XXXX XXXX XXXX, AS TRUSTTE opened a lawsuit of foreclosure. The allegations set forth in the Plaintiffs complaint state that XXXX XXXX XXXX, is the Mortgage. 

The Mortgage attachemd to the complaint as an exhibit identifies XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX as the Mortgagee, as nominee for XXXX XXXX XXXX XXXX 

Select Portfolio Servicing the movant of Lawsuit on behalf of the purported TRUST XXXX XXXX  XXXX XXXX, falsely claimed it is the Note Holder to mislead justice. 

More over, Select Portfolio Servicing have failed to disclose correct copies of the note and all allonges, endorsements, transfers, or assignments of the Promissory Note, it falsely claimed to have ownership. 
Select Portfolio Servicing commited not just violation of Fair Debt Collection Practices Act. 15 U.S.C. 
1692-1692 Section 808 ( a ), but FRAUD AND EXTORTION to defraud homeowner. 

We ask Consumer Finanacial Protection Beureaus action to refer Select Portfolio Servicings criminal activities to proper venue for Sanctions and order to withdraw all malicious prosection of foreclosure to steal XXXX XXXX property. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX
For the last year I have been back and forth with the credit bureaus about a portfolio account that is reporting on my credit report that does not belong to me. The credit bureaus keep responding stating that I should contact portfolio because they verified that the account is correct and belong to me. So after doing some research I learned that I can dispute directly with portfolio which I did onXX/XX/2018. I did not get a response from them. So I sent another letter certified mail to their dispute department and also to the CEO and the letter was delivered approximately 2 weeks ago according the USPS tracking, and they still have not responded to me and the account is reporting not once but twice on my credit report.
I have attached a copy of my identity theft report, I was inquiring in regards to purchasing a home in XXXX of 2018 and reviewed my credit to file accounts that were not for me, inquires and a address that did not belong to me. I had a fraud alert placed on the credit report, but the accounts have not been removed within the 5 business days, as stated in the FCRA terms. As set forth by the Federal governing body. This has harmed my ability to complete the purchase of my home and has cause major stress and a financial hardship for me. Due to the fact that it, effects my ability to get approved for a home loan, the payment and interest rate, in addition to the fact the the current market is on a upswing and the purchase price of homes are increasing and my ability to purchase a home and gain increased value from a equity position.
On XXXX/2017 I was charged {$41.00} for my XXXX XXXX XXXX  gym membership. The debit should not be automatic, the amount should be {$40.00}, and the debit should take place on the XXXX of the month, but not at all because I manually pay in person.
On XX/X/17 around XXXX I came through the drive thru line with my kids and tried to Cash a check on my account. The check was for {$450.00} my account has some $ 1,100+ already in it. I signed the check and put in my Drivers License with a Valid Government Issued Photo ID. ( I was refused service at the drive thru and was told I would have to come in despite having Valid ID, my debit card and the check ) At this point I had to park and get my XXXX XXXX to XXXX crying baby out of the car and carry my XXXX XXXX XXXX into the bank at their Convenince. I was once again refused service with my Valid Govenrnmenr issued Photo ID. When I requested the Policy pertaining to this Interal Banking Policy, as described by XXXX XXXX. She flat out ignored me. I then request this same policy be printed out from another Teller as was also ignored. Finally I called to what appeared to be a Manager and XXXX proceeded to argue with the Manager who then Walked away and I was once again ignored and refused the Policy print out of proof it even exists.
This item was disputed by the credit bureaus in XX/XX/2017 and was deleted off of Equifax. In XX/XX/XXXX the item was added back on my Equifax report along with several other items that was deleted off the report. Those items include XXXX XXXX, XXXX XXXX and XXXX XXXX. Both of these items were removed and deleted but failed to reach out to me and supply me with a letter advising that the item would be reinserted back within 5 days. 
I have reached out to Equifax because they failed to advise me in writing within 5 days of inserting the items back on my report. When contacting Equifax by phone as well as letter they have failed to provide me with validation and anything to advise me that these accounts were being reinserted back on my credit report. I was told by Equifax that they dont care if it was already deleted that they can reinsert anything they wish. This is incorrect and against the FCRA. I was supposed to recieve a letter advising that Equifax was going to reinsert information back on my report and I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. *Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II )  the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
Looking to fix my credit, request a validation of the account lender sold the account to other agency and keep reporting to my credit making damage to my credit. 
I am looking to purchase a home and they collection agencies keep placing back on my credit after the request is being review and removed from my credit. 
know, I have harassment charges with legal notice on a e mail I never provided. 

I never provided my personal e-mail to be shared with any agencies. 

Call at my house, cell phone and late calls pass XXXX XXXX
Earlier this year XXXX XXXX XXXX, I discovered that I had been a victim of identity theft. Despite the numerous amount of times that I had been in contact with the bureaus, they would ocasssionally remove the accounts from my report and re-add them back at a later time, which is a violation of the Consumer Fair Credit Reporting Act. Therefore, I considered filing a lawsuit, which I have yet to execute due to the fact that I now have additional evidence and a couple of incidents that were reported to XXXX XXXX Police Dept. and the FBI. 

I would like to get this this information cleared out of my report immediately because it has drasticallly set me back this entire year, which is now coming to an end. 

Thank you and Happy New Year!
My XXXX account was closed recently, I requested it closed due to an unauthorized transaction on XX/XX/20 in the amount of XXXX to a XXXX or a name similar thereof. There is currently a balance in the amount of XXXX in my account and I need a check sent for this amount plus XXXX, a total of XXXX. As explained to numerous XXXX reps and again here, I do not know this person, XXXX, I do not send money to any person I do not know. Most recently, a XXXX with XXXX attempted to refer me to authorities about the matter, stating to contact them if I believe I am a victim of a scam/fraud. Unfortunately, the police can not reimburse me for the transaction and XXXX as well as other XXXX reps are aware of this, referring me to police is merely a runaround. This transaction was reported as fraud the same day I saw it on my credit card account as pending at the time, reps have done little to investigate aside from verifying log in activity which I did not log in that day. I wish to reiterate that I do not know the person, XXXX, he or she appears to be using the account to sell themselves for XXXX, which is a violation of XXXX  terms of use. XXXX reps will not look into this or reverse the transaction out of the person 's account, refund me.
I knew I would not have enough money to pay off my credit card and my monthly rent, so I made a payment to my Wells Fargo credit card for nearly 4 times the minimum due payment. This payment was from my Wells Fargo checking account. The very next day Wells Fargo decided to auto-draft a payment of {$1000.00} from my checking account. I cancelled the auto-draft a month earlier, specifically because they kept on taking huge chunks of money from my checking account. The auto-draft came out of my checking account, which only had XXXX dollars in it, so they then charged me a {$35.00} fee. So now I 've got a XXXX plus XXXX dollar debt on my checking account. Then had the nerve to tell me that they did me a favor by completing the auto-draft transaction -- which is why I was charged the {$35.00} dollar overdraft. Otherwise, the payment ( that I did not want or authorize ) would have bounced! Which is insane, because there was no payment due. I called the bank and explained the situation and they told me it could take up to two billing cycles ( up to 60 days ) to reclaim the money that they stole from my checking account. I 'm currently awaiting the " reversal '' to be researched and processed. THIS IS COMPLETE NONSENSE. I went to the bank, to speak face-to-face with a personal banker. She explained that my only options included waiting, taking out a personal loan, taking a cash advance from my credit card, TO COVER WHAT THEY STOLE FROM ME. At that point I walked out, red, and infuriated. I ca n't believe that this bank would steal my money, hold it hostage, charge me fees, then offer me a loan to cover what they took from me. I can not pay my rent. This is shameful and disgraceful. Once I am made whole, I will have to find another financial institution. It is my hope that someone out there actually respects the fact that these numbers they play with on a daily basis, are attached to real people, with real obligations.
This debt was already paid for by XXXX. This debt was signed for by my childrens father not me. Commonwealth financial fraudulently purchased this as a debt when it was not. Even there hospital said it was paid. This company does not act on fair credit reporting.
I am still disputing a charge that was placed on my credit report with two different collection agencies for the same charge. XXXX and XXXX property management/investment group place an eviction from XXXX on my credit report. They placed it with XXXX XXXX XXXX, who reported it twice to my credit report and they also placed it with XXXX XXXX XXXX, who also placed it on my credit report twice. I 've finally been able to get each company to remove the duplicates that they originally placed, which still leaves me with one mark from each company for the same exact thing. I have tried going through the credit bureaus to get this fixed but they keep placing it in dispute without ever getting anything fixed. I reached out to the original creditor, XXXX and XXXX and after many phone calls and emails, I have still not been able to contact them. It 's bad enough that due to this I was hit 4 times on my credit for the same thing. I though it was illegal for this type of thing to go on. At this point I am very frustrated and I just want for these collections to be removed. They fall off my credit in XXXX anyway. At least delete one of the entries. No need in double the debt showing up on my credit report.
Received in the mail a notification and offer to reduce amount owed to XXXX as a reduced balance opportunity. I never had a XXXX account.
My wife received a piece of mail from Quicken suggesting we refinance our mortgage to a higher rate and extended term. Yes, we could save more on our monthly payment by doing so ; however, I could not find anywhere in the letter where they indicated that this would result in our paying more interest over the life of our loan. And after doing calculations on my own, it looks like it would be XXXX upon XXXX of dollars more. Maybe I 'm overly sensitive at this time due to the buzz around Quicken 's Rocket Mortgage ad during the XXXX XXXX, but I 'm really getting fed up with Quicken 's aggressive marketing tactics that seem to go against Truth In Lending principles.
EQUIFAX has refused to accurately update my credit score. Over the past 6 months, EQUIFAX has refused to accurately update my credit file and all of the incorrect, negative information dropped my credit score in XX/XX/2017. Equifax was provided correct information, they still refused to accurately update my credit score back to the high ( A-B ) status.
XXXX XXXX XXXX is harassing & calling me about a XXXX XXXX XXXX credit card that is paid & closed. I Disputed with them to cease & desist calling me from various numbers out of the country & that I have no further business with them.
Hello, I purchased a car with financing provided by Wells Fargo in 2014. I am insured with XXXX XXXX company and have been since I purchased the car. Early in my finance, I realized Wells Fargo was charging me for insurance. I called them to note the error in 2014, and was told the charges would be removed in short order. In reviewing my statement over the past few months, I 've noticed I 'm still being charged, close to {$6.00} per month for Wells Fargo insurance and interest. Again, I am already insured and upset that Wells Fargo is double-charging me. I called them again today and they told me they would start an investigation, but did n't promise to remove the charge. I am happy to provide my declarations page to prove that I have coverage, though Wells Fargo has not requested it. I feel I am being and have been scammed.
My identity was stolen and a credit car was opened fraudulently in my name Bank name : XXXX XXXX XXXX XXXX. date open :XX/XX/2016 balance : is XXXX I have Provided FTC affidavit, police report and all documentation to credit Bureau experian has not taken this account of my credit and they are giving me a hard time this is now affecting my credibility and my reputation
Experian, XXXX and XXXX attached please find complaints I have filed against two collection agencies who violated FCRA in their response to your investigations of the fraudulent accounts they, XXXX XXXX and XXXX XXXX XXXX, placed on my credit reports on/about XX/XX/XXXX and XX/XX/XXXX respectively, which I disputed but they replied that they had verified the accounts when they had not. As such, in violation of the FCRA, XXXX XXXX AND XXXX XXXX XXXX willingly and knowingly gave false and inaccurate information in their responses to those disputes, in their responses to the disputes I filed against you and them through the CFPB and in their response to the complaints I filed specifically against them through the CFPBs website after their claiming to you that they had verified the accounts when in fact they had not nor can they because the accounts are fraud.
They are trying to charge me {$110.00} for {$5.00} overdraft when i was within a 24 hr grace period. They gave me a confusing story its robbery