WillisBack/dataset-financial-user-claim huggingface dataset:
I am a XXXX year old XXXX ( XXXX ) trying to assist my XXXX year old mother who is currently XXXX. She wishes to transfer money from her Wells Fargo High Yield Savings Account to her Wells Fargo Checking Account, both individual registration. The Bank has been unwilling to accept any form of documentation ( including notarized forms ) to complete transactions except POA with supporting incapacity certifications. We found out ( from non bank sources ) that she could complete daily telephone transfers of up to {$20000.00} and so she decided to begin that process on XX/XX/XXXX with her first completed transfer. Two days later she completed another {$20000.00} transfer. On XX/XX/XXXX she attempted to complete another {$20000.00} transfer and was told transfer is limited to {$10000.00}. After a lengthy discussion a supervisor is requested and after hearing our request, reviews accounts and explains that the initial banker said it could n't be done because the system creates a flag due to different beneficiaries and that he, as a " Leader '' is the level that overrides it. Completed the transaction and gave us the confirmation number and instructions that next time we call, immediately ask for a " Leader '' as that 's where it has to go anyway. Today we call XXXX and ask for a Leader and the woman states that " we do n't have leaders, we have managers and supervisors ''. I reference the previous day 's conversation and confirmation number and ask for a leader/mgr. Man comes on and repeats the no leaders line. We go round and round regarding the transfer request and finally we ask for his supervisor. Man comes on and when questioned as to position states he is the " remediation department ''. The next 45 minutes is spent going around and around with this man, between him saying he ca n't speak with me, to my mother on the phone making a request to him that he seemingly ignores and talks around, until she 's shaking so bad that I feel if I do n't take the phone back she 'll have a XXXX. I keep pleading with the man to simply refer to yesterday 's confirmation number and the notes that the Leader put in the file. Why I do n't know, but he obviously refused to refer to the notes and just kept putting us on hold, only to return and repeat the same {$10000.00} limit story. At one point, he even asked my mother " who are you paying a commission to? ". Frustrated, I finally asked for his mgr/supervisor. He stated that he did n't have one. I said I 'd speak to the person he reported to - his boss. He placed me on hold for at least 5 minutes and came back on explaining that he was looking for a way to do the transfer. I reminded him that I asked for his manager but he again stated that he did n't have one. Even though my mom was not on the phone most of the time, listening to the conversation and the absolutely absurdity of Wells Fargo 's customer service, it was visibly upsetting her and I finally reached the point where I told them I 'd just call the state regulators and hung up. And here we are. I do have some names and specific dates and times of the recorded phone calls if needed. Thanks.
XXXX XXXX with a collection company has made several calls to my cell phone and work phone. He is very rough in how he talks to you. He tells you how to handle your business. He has also called my boss at my job and suggested that he give me some days off so that I can go get my finances in order. He discussed to my boss how much debt was owed. Everyone he has contacted ( even people that have nothing to do with the debt ) he tells them how much debt my husband and I owe and who it is too. He has even talked with other employees and told them we need to pay our bill. He even called our landlord and told him how much we owed. His practices needs to be reprimanded. The number to reach him is XXXX ext XXXX. His first call to me was XXXX XXXX at XXXX then XXXX XXXX at XXXX Then he called my work phone on XXXX XXXX at XXXX then again XXXX XXXX at XXXX and then contacted my boss on XXXX XXXX and told him how much debt I owed. ( See note attached ) He then called back to my cell phone once again on XXXX XXXX at XXXX He has since then called my husband on several occasions and a co-worker.
Hello this is my second letter and it seems to me as if youre not going to respond back. Its been over 30 days and still I have errors on my credit file. I am disputing the erroneous accounts as an internal dispute and as an affidavit. 
I have received a credit report claiming that i owe on debts. To my knowledge I am unaware of the erroneous information your company continues to report. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof. You didnt and it has been over 60 days, by law you are to remove the accounts listed permanently and immediately. No creditor or credit agency contacted me to ask for my consent so youve broken the law. Please remove within 24 hours or things will get really ugly. 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX Sincerely XXXX XXXX
I have been trying to combine my home equity loan into the mortgage and refinance with Harris Bank since XXXX 2015. It seems that each time a bank employee disappears and drops the ball. The Bank 's " Help-Line ( an oxymoron ), '' seems to drag out the process, asking me to fax an IRS Form XXXX to their office at XXXX in XXXX , WI., but when I try to send the fax, their fax machine does not pick up and when I try to contact them by voice at XXXX, either I get the run-around, or their voice mail system becomes an impenetrable barrier to communication. My " Single Point of Contact, '' was XXXX XXXX, XXXX, who inexplicably disappeared leaving no named successor as a " Single Point of Contact. '' Before he disappeared, I left XXXX XXXX a voice message informing him that his fax machine was not picking up. Some time later, his supposed assistant called me, apparently after listening to his voice mail and sent a letter which XXXX sent nearly a month ago asking me to fax the IRS Form to the non-functioning fax number. The form is time sensitive and must be received by the bank to complete the process. In this comedy of errors, it appears that Harris Bank is either deliberately acting so as to induce my attempt to combine the loan with my mortgage and refinance to fail, or the bank is so incompetently managed as to produce the same result. I can submit documentation in support of my complaint by fax and snail mail.
i had a flood and had NO issues getting funds from my insurance company. But the bank has had check for over 6 weeks and won't release funds. They leave messages to call them back, when you do you get a different rep. who doesn't know whats going on. They have asked for the same paperwork ( a summary page ). I have been waiting for 8 days for a manager to call me back. I am out of pocket for the contractor and the bank doesn't accept a cancelled check as proof of paymentand i speak to a different rep everytime i call who needs to review file. 
I am wondering what it takes to get my OWN MONEY BACK ... I have asked them to review our past conversations because of different information given, I have asked for a manager on 6 different calls and i get NOTHING!!!!! 
I have even asked to have the inspector come and see that we are 50 % done with work and hand deliver my funds i need to pay my contractor ... i am already {$61000.00} out of pocket -- -- there is no other funding avilable to complete this work ... .and today again for the 3rd time, they denied release for a summary page.
XXXX fraudulent Sears credit card accounts were opened using my name and address on XXXX XXXX, 2016. This complaint is for the second of XXXX accounts. Since I had never opened these accounts, I thought these were prepaid promotional offers so did not open the mail until yesterday. I received three pieces of mail into total - one piece of mail containing a new credit card for the XXXX of the accounts, and two for the XXXX account - an earlier piece of mail contains a bill, and a more recent bill contains the bill with a late fee.
I was given this link when I obtained my Equifax free credit report to make a dispute for incorrect information, it does n't work -https : //www.ai.equifax.com I called, ca n't get a real human on the phone. 
I never have been, nor ever will be XXXX XXXX, I am XXXX XXXX. How a major credit bureau could XXXX up my last name is beyond belief!! My XXXX is XXXX XXXX. I need this corrected with the recent breach I 'm afraid someone is going to use my credit with the wrong last name and get away with it. Before that nightmare begins can you please help me get Equifax to fix my last name on my entire credit report?
Same people! leave msgs on work phone, home phone saying it is either XXXX XXXX or XXXX XXXX phone XXXX They are a XXXX debt collection company that I have complained about before and to the State Attorney General. they leave threatening messages, they just wo n't stop! they are called Critical Mediation XXXX for XXXX online loans. I paid off the last one I took out before XXXX. I was owed money for over a year and finally paid everything off!
Equifax is reporting unverified information on my credit report. Below are listed items that have been disputed but I have not received a response with any proof of accounts belonging to me. I have no contract with any of these creditors. 

XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX Last reported : XX/XX/2019 XXXX XXXX XXXX Last reported : XX/XX/2019 XXXX XXXX XXXX Last reported : XX/XX/2019 XXXX XXXX XXXX Last reported : XX/XX/2019 2019
On XXXX/2017 I filed a complaint against the Collection Bureau of the Hudson Valley Inc. # XXXX that they reported a debt to my name of XXXX which I never owed. Collection Bureau of the Hudson Valley was required by law to send me a notice of this collection before posting anything on my report. I did n't recall getting a letter from them. I asked for details of this debt which were never sent. Subsequently they closed the account and removed it from my credit file, Now in XXXX I got a negative notice on my report and after checking I see the same debt is reported again .They never sent me any details of this debt but reported it again .I am ready to sue them in court for violating the FDCPA and FCRA and for financial damages incurred due to their false report if they wo n't remove this once and for all.
Capital One Business card is reporting on my personal credit report. A dispute has been active for months but still remains on report. Capital One states they are reporting correctly but your agency is reporting it wrong. Capital One initiated the original dispute. Below is my credit report for said account. It shows as an individual personal account. This account is for business purposes only and should never appear on my personal credit report. REMOVE THIS ACCOUNT IMMEDIATELY!

Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit {$12000.00} Owner INDIVIDUAL Credit Limit {$15000.00} Account Type REVOLVING Terms Frequency MONTHLY Term Duration XXXX Balance {$9000.00} Date Opened XX/XX/2018 Amount Past Due Date Reported XX/XX/2018 Actual Payment Amount Date of Last Payment XX/XX/2018 Date of Last Activity Scheduled Payment Amount $ XXXX  Months Reviewed 4 Delinquency First Reported Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Date Closed Date of First Delinquency Comments Consumer disputes this account information Contact CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX, VA XXXX XXXX
I just checked my credit score online and noticed a collection agency named CFM group was trying to collect a balance of {$230.00}
I have a collection account on XXXX, Experian and XXXX from XXXX XXXX XXXX XXXX in the amount of XXXX. I was one of the signers on the account which was a business account. The account was closed by the bank. I understand reporting this against the company but not against me. The account was opened with an EIN number under a business name as a business checking account and not a personal account.
I paid off the loan in XXXX 2016, loan was report on my credit bureaus as closed with a balance. I contacted the company directly and was told that is how they report the loans.
My loan was transfer to XXXX at the end ofXX/XX/XXXX. XXXX has provided me with the interest paid to them in XXXX & XX/XX/XXXX. But ACS, now apparently this new company, XXXX, says there is no interest information available for XX/XX/XXXX.
I saw several transaction notifications in the morning of XX/XX/2018 on my XXXX account. I did not make or authorize any of those transactions. I attempted to contact XXXX immediately but the Customer Support was not open. I changed the password of my XXXX account as a precaution and once the Customer Support was open, I called and reported the unauthorized transaction and that the last transaction that was authorized by me was on XX/XX/2018 for a {$10.00} purchase and any and all transactions after that date were unauthorized. 

The XXXX agent I spoke to on XX/XX/2018 assured that all the transactions would be reversed. 

But on XX/XX/2018, I received a notice from " XXXX XXXX XXXX '' saying I owe XXXX {$1400.00}. I called XXXX again the same day and asked why I received the notice. The XXXX customer service agent said she has filed another case and all the transactions would be reversed. 

On the morning of XX/XX/2018, I saw that the transactions were noted as reversed but the account balance on the XXXX account still shows - {$1400.00}. 

Whenever I try to call XXXX customer service, after providing the information needed to validate the account, the automated phone system states that the account has been placed with a collection agency and I need to contact them directly and it redirects my call to them. It does not allow me to talk to XXXX customer service.
I am a victim of identity theft. I tried to negotiate this matter with XXXX XXXX and couldnt get a good english speaking agent to assist me. Ive spoke to collector in which this account was sold and they assured me the deletion upon payment from all parties. in XXXX of 2017 however still harassed by XXXX XXXX legal team to make payments months later although payments was made in full in XXXX 2017. XXXX   XXXX is very disorganized and harmed my credit and failed to understand my situation with identity theft. my personal information was used to open an accounts as well as gain employment with Companies. after learning my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize the opening and charges on this accounts, and I therefore request that it be delete This account immediately. I also request that XXXX XXXX absolve the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all 3 credit reporting agencies
Portfolio recovery has recently been involved in a class action lawsuit for using outdated statement of claim in Georgia Magistrate Courts. I was included in this class action suit per Portfolio Recovery sued me for an alleged debt that I disputed and did not owe. They settled this lawsuit to avoid litigation, but continues to report this debt on my credit reports It is listed on my XXXX credit report as an open account with {$850.00} owed, but is showing on my XXXX credit report as still open with only {$600.00} owed. I have not made any payments to this company towards this account per I have disputed it several times.
I have disputed this with XXXX, XXXX and Trans Union several times and they will not remove it. I have given them proof from the bankruptcy court that the bankruptcy was filed on accident by my attorney and they still will not remove it. I filed a chapter XXXX bankruptcy in XX/XX/2010 and it was discharged ( that XXXX is accurate ). I did not file XXXX Chapter XXXX bankruptcies in XX/XX/2010 ( the attorney did by accident and the court documents that I provided to the credit reporting agencies proved this was the attorney 's negligence ). The Chapter XXXX BK filed in XX/XX/2010 reporting as dismissed should not be on my credit report with all XXXX bureaus at all. I can supply documents upon request, however ; the credit bureaus have all of this already and have ignored it several times.
I took out a loan with santander consumer USA a on XX/XX/XXXX. I made the 1st payment when due in XX/XX/XXXX and then I made the next payment that was actually credited on XX/XX/XXXX for the XX/XX/XXXX payment. I made another payment on XX/XX/XXXX which came out of my bank on the XX/XX/XXXX and one of these is the payments in question not credited properly. I then made a payment on XX/XX/XXXX that I thought was the XX/XX/XXXX payment not knowing that santander had lost the XX/XX/XXXX payment. So my XX/XX/XXXX payment went backwards to the XX/XX/XXXX payment. I then started to make a payment for XX/XX/XXXX and it took 2 weeks to get paid but it was paid and yet santander lost this payment also. They reported me to the credit bureaus 30 days late and then 60 days late. I have been fighting with them sending bank statements and santander always had a complaint about the statement sent whether it was elegible Or not sufficient. I have dealt with several managers and even the office of the president in their lack of communication with me is appalling because it 's my credit that 's hurt over XXXX points and they still have not properly credited me. I then spoke with their fraud area and investigations and they said things that were not true and so I invoked my attorney to send them a letter demanding that they credit my account properly and fix the credit-reporting. I submitted them to sworn bank statements from the 2 different banks from which those payments came from in XX/XX/XXXX and in XX/XX/XXXX. They have not responded to me in over a week. At this point I do n't want my credit hurt any longer and I do n't wan na pay monies backwards 2 and a 1/2 months especially when 2 payments are out there that I did pay. They do not correspond timely and yet they continually report me wrongly. Ask them why they are not correcting my account when they had sworn bank statements proving that they are wrong and yet they 're still trying to blame me.
I have realized that there are multiple credit inquiries on my credit report all three and a XXXX   credit card that I did not apply for. I disputed the inquiries and go a same old letter stating the inquiries are factual. There is no way these are factual unless these companies can provide a signed documentation with my signature on it which they do not have. Internet fraud is one of the hottest situations today. These companies need to go back to applying for credit in the store where faces can be seen. XXXX aka firestone do not have a signed credit application on file. Anybody can create a online account if they have your information. I will be putting a security freeze on my credit. These are the unauthorized inquiries : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX BANK NA Inquiry : XX/XX/XXXX Contractors ( XXXX ) XXXX XXXX XXXX BANK NA Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX BANK NA XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX CARD Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX BANK XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX BANK Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX CO DUAL CARD Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX BANK XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX DC Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX These inquiries and XXXX is ruining my credit tremendously. I do not even own a vehicle so I would not have a reason to apply for a XXXX card.
I submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA XXXX BKPT CT IL XXXX XXXX
Agent did not give mini-Miranda after asking who I was but continued to try to collect a debt anyway. I mailed in the payment once I received the letter. The payment due on the letter was {$47.00} which I gave my debit card to use. They ran the charge for {$51.00} and caused an overdraft in my checking account. If there was a service charge for using a debit card, it was not clear on the bill.
I have a mortgage account with Chase. I opened this mortgage account on XXXX 2005 right when the economical crisis happened. During all these years, I had tried multiple times to apply for a long modification without success. In several occasions my husband and myself were unemployed documentation was provided but the loan modification never was approved nor solved. Recently I have been diagnosed with XXXX XXXX and again another hardship in my life. 
I had never been late nor in default because of fear to loose the only shelter I have. So far I had disbursed to Chase more than the property is worth during all these ten years of the existence of the mortgage loan. 
I am trying to get into an agreement with Chase and to cancel the loan since I had paid more than the property is worth. 
Chase has ignored my concerns and request. 
I found out that Chase paid on my behalf for property taxes that were never late nor deliquent just because I applied for a modification. I do n't have a written document for escrow account however Chase had opened an escrow without my authorization. While reviewing the loan as a whole I noticed that chase was charging me fees that never incurred. 
I need to address this concern and I want justice for the misrepresentation of Chase, forge documents and false statements. 
I am a consumer who had provided enough money to chase who does n't deserve.