WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo admits they received a refund check from XXXX XXXX XXXX. This refund was because the company found I had been overcharged over {$800.00} during the period I told Wells Fargo about questionable charges. I asked for months what happen to the check and Wells Fargo denied it was related to the overdraft. 

Wells Fargo refuses to admit any wrong doing. A customer satisfaction check was sent to me in the mail that had a letter stating I should cease communication with the bank after I demanded to speak with the attorneys representing the bank to confirm my suspicions that this entire case is a matter of massive fraud that reaches into this agency. 

I sent the information to the XXXX XXXX XXXX XXXX with a copy of the police report. This agency, CFPB, has done nothing to assist and I am continuing to make these post to prove small town America is still being choked to death by big banks. 

I am XXXX. The funds were stolen from my XXXX XXXX Account being used to manage my health. I am certain I would be in much better health if Wells Fargo had not decided to pick a fight with me. The attachments are the fake customer satisfaction check and the police report. 

I live two hours away from any Wells Fargo locations and online banking was critical for account management. I was denied access to the account soon after the fraud began as currently. As stated earlier, I got a certified letter in the mail telling me to avoid person to person contact with Wells Fargo and employees. After the bank and I tried to verify the cashier 's check all individuals who answered my calls suggested I ignore the letter and go into the bank and they would gladly cash the check for me.
I Received a Letter from Roach & Murtha Attorney AT law PC. Stating that they are collection a debt The accounts XXXX XXXX XXXX for the Original Creditor XXXX XXXX XXXX. Index Number XXXX. I advised the company that i do n't know anything about this Debt. This is a fraudulent account, I never opened this account or made any charges with this card or company. I do not know anything about this debt.
I received a called today from a collection agency XXXX XXXX. The rep that called, XXXX, stated that they were sent an affidavit on behalf of a Pay Day Loan provider. I wasn't familiar with the charge so I asked the Representative to go over the charge. Once I told him I was unaware of the debt I said thank you for his call, have a good day and I ended the call. Moments later I received a call back from the representative stating I hung up before I told him what I was going to do. I responded, I gave you an answer. I told him what I was going to do was my concern and I will look more into it. The representative goes on to say how I owe the money and when you owe people you should pay and wouldn't allow me to speak at all to where I got so upset I yelled to talk over him but quickly hung up. I realize collection agency reps have to do there jobs however calling right back after the customer has disconnected the call and accusing a customers does more damage than good.
On XX/XX/2018, I made a purchase from a company on XXXX by the name @ XXXX. I only get comfortable purchasing from this business because it was promoted by a very famous person on XXXX named @ XXXX. Under the impression that I would be protected from any scam by using XXXX through my Chase app, I went ahead and made the payment. Afterward, the business confirmed receipt of the payment and asked for my address to ship the item. Since then, the business has blocked me on XXXX. Ive checked through other accounts and saw that this business is still on XXXX and is still out there scamming people for their hard earned money. I sent them {$250.00}, which is the amount I requested back from Chase. I asked them about buyer protection. They refused to refund the money. Chase advised to make a police report and thats it. This is very unfair as the seller is also using XXXX which is Im assuming is linked to a bank account. I need help getting my money back and stopping this @ XXXX  from ever taking anyone elses money.
Chase bank re ordered the processing of debit card and checking account transactions not by original date, but by the date they found would generate them the most revenue from overdraft and NSF fees. 

Rather than processing smaller transactions first, and in the order they occurred, they processed a larger transaction first and smaller ones several days after their original transaction date to charge more than XXXX NSF fees to my checking account. As I am aware, this violates several recent laws that have been implemented over the past several years to limit banks ' abuse of overdraft protection and charging of NSF fees.
I have disputed the bankruptcy on my credit reports numerous times, I never have had an active bankruptcy. XXXX, XXXX and Transunion have been saying that they have verified the account as valid but have not provided any proof of verification. I went to bankruptcy court to pay for the official paperwork but I started back working before my court date so the paperwork was never filed but somehow it has popped on my credit report making it very hard for me to qualify on buying a home this year. Please look into this matter and delete this inaccurate information from my credit report as it is a violation to my rights as a credit consumer to have information like this reporting incorrectly. 

Bankruptcy Dismissed - XXXX
Dual tracking with ShellPoint, never got back asking for more docs going over multiple times, complete packets gone in. Still setting sale date and proceeding been sold over and over and I have Been trying to resolve since XXXX. No court action from XXXX while turning in modification packs
XX/XX/XXXX of this year I received a call from XXXX XXXX angrily collecting a debt that I did not know of. I asked her to give us information on XX/XX/XXXX regarding the debt. On XX/XX/XXXX we receive a note that this is related to my hospitalization at XXXX XXXX XXXX XX/XX/XXXX 
The bill is for an unbundled XXXX service. As far as I know, XXXX XXXX and my health insurance XXXX XXXX has paid all of my hospital bills together with my Worker Comp insurance XXXX XXXX. 
The XXXX mentioned in the bill, did not send me any bill requesting any payment at all. The only time I heard of this unpaid service was on XX/XX/XXXX
Im filing a complaint against XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for violations to the Automatic Stay and Bankruptcy Law. Section 362 of the Bankruptcy Code. The Stay. 11 U.S.C. Section 362. Im currently in an active Bankruptcy Case # XXXX and XXXX refuses to remove pending sale date for XXXX XXXX, 2017. As a result of this abuse Im concerned that this pending action will cause me financial and emotional distress and hardship. Due to the constant threats of foreclosure against my property for an illegitimate loan which XXXX and XXXX XXXX XXXX, purport that is owed, I have also been forced to file a federal lawsuit in the XXXX District of California Case # XXXX XXXX - XXXX XXXX ( XXXX ) for fraud and misrepresentation in order to defend my interests in the home. 

Creditors face liability for damages to debtors for automatic stay violations. I m seeking actual damages, punitive damages, attorney 's fees and costs for this creditor willfully violating the automatic stay. I have provided proof of this action in writing of this collusion between XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX and their actions to be willful. 

Furthermore, XXXX XXXX XXXX is not licensed to conduct business in the state of California. This is a violation to the California department of business and secretary of states offices as well as local and federal rules which apply. 
XXXX, XXXX & XXXX, have also failed to respond to my qualified written request and has not validated the alleged debt per Real Estate Settlement Procedures Act RESPA and also has violated the rules surrounding the Fair Debt Collection Practices Act FDCPA. 
See Exhibit A Proof of my bankruptcy filing and proof of pending sale date notice XX-XX-17.
My foreclosure trial case was postponed on XX/XX/2016 waiting for a Loan modification appeal response. Select Portfolio Services failed to use the correct and undisputed monthly gross income figure twice after receiving notification of their mistake. In writing on XX/XX/2016, and alerting them to yet of a worst mistake by phone on XX/XX/2016. This prompted to agreed motion to postpone court trial. See attachments. 
I contacted SPS on XX/XX/2016 to find out the status of the review only to be told that there was no review in progress since their decision dated XX/XX/2016 was their final and if I wanted further consideration I would have to start all over. 
After it took over 7 months for SPS to be satisfied that I had provided all the documentation needed, I feel SPS is not acting in good faith by demanding the process to start all over. I demand their mistake corrected without having to go through the whole process since a new trial date has been set for XX/XX/2016 where I can lose my home. 

It is obvious that SPS is failing in correcting and reviewing submitted and accepted information time and time again. 
On their letter dated XX/XX/2016, the loss Mitigation review determined that they incorrectly used the figure of {$3500.00} and updated with the " correct '' amount of {$2800.00}. The correct figure is {$4700.00} plus {$480.00} a month projected Estate distribution from XXXX XXXX once his mother 's Estate is settled. This information and supporting documents were furnished and accepted by SPS as part of the modification application package. So our monthly gross income should have reflected at least {$4700.00} or {$5100.00} not {$2800.00}. 
Upset that my Trial date was on XX/XX/2016 I called them to alert them yet AGAIN that they used the wrong amount. The representative then, reviewed my file and realized of the mistake and submitted the file for review again. I asked them to alert my attorney and their attorney that a final review would not be possible before my trial date of XX/XX/2016. 
XXXX XXXX XXXX of SPS Document Control Officer advised me that as of XX/XX/2016 a Motion to Continue would be filed to postpone trial on those grounds. It was done and accepted by the court. Unfortunately nothing was done since. Now I am told the review was completed as of XX/XX/2016 which by their motion presented on XX/XX/2016 makes no sense. 
Under the above circumstances I feel that SPS is not acting in good faith, by requesting us to do it all over with information that has been submitted, verified, accepted and completed under their own terms. Please help.
I applied for a loan and they charged an interest rate of 727.65 % interest. I didn't realize until later that Iowa law only permits lenders to charge 433 % for a 14 day {$100.00} loan. Is it legal for them to charge me such a high interest rate? I don't know if I can pay it back, I was desperate at the time.
XX/XX/XXXX, XXXX contacted me about being hired to build a download-to-own media site with billing. They seemed organized and capable, so I hired them. We began discussing the project. It took longer than the six weeks anticipated, but as of XX/XX/XXXX, they have been paid in full, having told me that all they had to do was enable the billing and my site would be up and running. Then I was told that there was an issue, but they would resolve it. I 've been strung along since then. For a while they stopped responding to emails, but finally did answer again. They said that my website would be XXXX done by Sunday, XX/XX/XXXX. The date came and went with no contact. Now I 'm trying to get a refund. Can you guys help me or point me in the right direction? Due to the time that has passed, the credit card processor, XXXX, says that they are unable to assist me.
Unknown agency as I have never done business with XXXX XXXX and do not owe them. Please help I have disputed with no validation
Per my XXXX credit report this company has unlawfully and doesnt so without my permission pulled my credit report XXXX times in the last 18 months. The information below is taken directly from my XXXX credit reportFIRST NTL COLL BUREAUXXXX XXXX XXXX, NV XXXX ( XXXX ) XXXXRequested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
World Acceptance Corporation called my boss 's PERSONAL CELL PHONE trying to reach me. He asked them how they got his number, and the person replied that it was printed on my paycheck stub. ABSOLUTE LIE. We would never print ANY personal cellular numbers on our paystubs. They must have done some digging to find out who owns the company I work for. 

Meanwhile, I do n't receive calls to my personal phone number from them. I do get random " Unknown '' phone calls, but when I answer, there is never a response from the other end, so I 've started sending them to voicemail. No message is ever left. This is HARASSMENT.
Equifax continues to report an account without a credit card name or creditor information and I do not recognize the death nor can I follow up to find out if it is accurate or in accurate. Course I believe it is in accurate and that no such account exists in my name and would like to see proof and name of original creditor along with valid proof that the account belongs to me. 

The FCRA requires such information be displayed correctly. This account does not display three of the four points required by law as of XX/XX/2017.
I contacted XXXX on two separate occassion asking them to validate a debt that they claimed belonged to me. This last letter I sent out to them was sent out around XX/XX/XXXX I sent out yet another letter to the credit reporting agency and a letter to XXXX  XXXX XXXX asking them to validate the debt. What they sent to me is a bill on their letter head with my name XXXX XXXX as being the patient along with the dates of service and the amount due. But the actual bill was addressed to XXXX XXXX. They said that they believe that the bill is valid yet they did not send me anything from the company itself. If they are legally able to collect on this debt then they should be able to validate the date with more than an amount and a bill with two different name on it I have been the victim of fraud and I am very careful as to anything on my credit report that seems suspicious
On or about XXXX/XXXX/2016 I had submitted a payment to Walmart but unbeknownst to me the payment was subsequently returned for lack of sufficient funds in my checking account when I was made aware of the problem which was four days after I immediately Submitted another payment which posted to my account successfully I then logged into my account to view my payment history and to my surprise without Prior Notice Synchrony Bank which is a Spin off and or Subsidiary of GE Capital Bank closed my account their reason being that this had been the second instance of a payment that was presented had been returned it should be of note that at the time the item was presented I had sufficient funds available to cover but it is my financial institution policy to pay at the their discretion if I did n't have enough to cover I spoke with an " Account Manger '' who at first said that there was nothing that she could do to reopen the account which turned out to be an outright lie because she further went on to say that the only way the account could be reopened was if i faxed and or snail mailed them correspondence from my Financial Institution stating that it was an error on their part i than received correspondence from Synchrony Bank dated XXXX/XXXX/2016 apologizing and that my account has been corrected and that I was a valued customer and they hoped that I continued to shop and or patronize them which I can not because my account remains closed this is in fact not the way you treat a " Valued Customer ''
My husband and I lost our jobs in XXXX, 2011 when our company 's contract was not renewed.
Company still reporting incorrect account from XXXX XXXX  that I do not owe money to.
I paid {$200.00} toward my balance on XXXX XXXX. My due date was XXXX XXXX. After that date passed, I began receiving collection calls stating my account was past due. When I explained that I made my payment early, the representatives kept saying that the payment I made on XXXX XXXX went toward my XXXX balance, even though I already paid -- on time -- in XXXX. They then stated I would need to make ANOTHER a payment for XXXX to get my account current. They claimed there was nothing they could do in their system to apply the XXXX XXXX payment to my XXXX XXXX due date. And even by making the additional payment, there was nothing they could do to make sure my " late payment '' would n't be reported to the collection agencies. On top of everything, each representative I spo to seemed to have no idea what my problem was! They could n't understand that my payment on XXXX XXXX was an EARLY payment for XXXX XXXX. Whether it was due to a language barrier or sheer incompetence, the company line of " I ca n't do this, that 's not possible, nothing can be done '', XXXX, is terrible customer service. Try being more solution-oriented and stop treating paying customers like criminals by sending them to collections. How dare you treat me that way and then have the audacity to charge me an additional payment forcefully so I would avoid having a ding on my credit report. 
As of today, my credit report now shows that I was over my balance limit. It went over balance due to a late-charge fee, which they then removed. The over-balance information is now currently wrong, but it is still on my credit report.
Portfolio Recovery has refused to delete a judgement for an account that does not belong to me. I have written to them and the original creditor, and proven that the account was not opened by me, but they have cntinued to report this to the credit bureaus and this has caused me great harm.
I am another victim of the Equifax security breach. Due to their inadequate security measures, myself and millions of others were placed at unnecessary risk. Additionally, I was not notified of the breach by Equifax and had to do my own research to determine whether I was affected. Now, in order to keep myself safe, I will have to pay them to freeze my credit profile and then pay them again any time I want it temporarily unfrozen. Finally, Equifax attempted to surreptitiously trick myself and all other affected consumers into waiving their rights to a lawsuit by planting an arbitration clause in the terms of service of the identity protection they offered in the wake of this breach.
I have tried many things to get this resolved. I have also submitted a compliant to the States Attorney 's office. There is an account reporting with XXXX XXXX XXXX XXXX that shows a balance but it also shows the account was sent to XXXX XXXX XXXX XXXX N yet XXXX XXXX indicate they still have the account but this company too is showing the account. I am at wits end and feel like I am getting the run around from every end. Please I need your help.
I have sent Capital One several letters but they have not replied to any of them. This is NOT my account! XXXX XXXX XXXX is my ex - husband & has all of my personal information from when we were married. When we separated he stole my driver 's license, Social Security Card, Birth Certificate & other personal documents that I had to replace. This is not the first time he or his wife now has used my information to obtain money, credit, goods, loans, services. He also shares my information with his current wife XXXX XXXX. I recently put a fraud alert on my credit file. 

These are NOT my accounts. I feel that my ex- husband ( XXXX XXXX ) used my personal information to obtain money, credit, goods, loans, services, etc. He also shares my information with his current wife, XXXX XXXX. Please have XXXX REMOVE this account & their Tradeline from all XXXX major credit bureaus. Thanks you for helping me with these issues. This has been very stressing.
I opened a bank account with Wells Fargo about 3 weeks ago. I told them that I did XXXX for companies all over the world. I also told them I would be receiving many wires from all over the world for services I did. They told me that this would not be a problem. Well, so I recieved a wire for {$990.00} for XXXX services I did. Then I received XXXX more wires into my account for other services/website design I did. Well, then I contacted them to find out when I saw there were no pending transactions to ask about withdrawing my funds the following Monday. This was the previous Friday I called them on. At that time, I was told there was a hold on my account and that I could not get my funds out then. I was told because the customer I did work for received their completed XXXX services a little late eve though I did complete services for them that the customer claimed this was an unauthorized wire. I was also told verbally and in writing in a letter that my account was slated to be closed on today, XXXX/XXXX/15 and for my funds to be sent to me in a check on this coming Monday, XXXX/XXXX/15. Well, I called Wells Fargo fraud department today to ask what the status of my account was since I could still view it on line. I was told that they had sent out for information from XXXX XXXX and was waiting on a response back that they had not recieved and because this information was not received, that they were pushing the account hold back to XX/XX/XXXX. They did not say they were closing the account down then and sending me my funds which total a little more than $ 13,000+. They only told me that they would post notes at that time and that I could contact them on XX/XX/XXXX to see what the status was at that time. 

I have talked to all levels of management all the way up to and including the regional manager who all did what they could but got no favorable resolution. In fact a committee that this matter was escalated to in order to see if they would release my funds early said no. They also told me they would release my funds on XX/XX/XXXX and send them out to me in check form on Monday, XXXX/XXXX/15. They have not done this at all and now say my hold on my account is delays again until XX/XX/XXXX in spite of the fact that I have a hard copy letter stating that i would be sent my money on Monday, XXXX/XXXX/15 which I was told b Wells Fargo fraud department will not happen
I have received multiple phone calls and one letter from Real Time Resolutions attempting to collect an old credit card debt from approximately 14 years ago. The statute of limitations in the state of Oregon is ten years. They continue to run my credit score affecting it. Despite a few attempts to explain to them that they are in violation of Oregon law they persist in their illegal harassment.
I was cheated on my education at XXXX XXXX, they did not explain how much I would be in debt from my loans. They do not tell you exactly about who and what they are signing you up to for loans, they just want your signature and get their money. The education they gave me was not worth the time or money they described in the recruitment. The materials were not up to date. A lot of times classes were canceled or textbooks were out of date. Many teachers were not qualified in the classed they were teaching.