WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2015 I initiated a wire transfer from my personal bank account at XXXX in XXXX, XXXX to a business bank account at Wells Fargo Bank in XXXX XXXX, XXXX. Not long after I initiated the wire transfer process, I received a telephone call from the Wells Fargo Fraud Unit informing me that I am probably the victim of fraud and that I should contact my bank ( XXXX ) immediately to have the wire transfer stopped and/or recalled ; due to the 6-hour time difference I was not able to contact my bank until the following morning when they opened. The Wells Fargo Fraud Unit did not take any steps to stop or intercept the fraudulent wire transfer that they called me about! 

I sent the money to : XXXX XXXX. XXXX XXXX XXXX XXXX Attn : XXXX XXXX Phone ( XXXX ) XXXX Wells Fargo Deposited to : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX ( XXXX ) XXXX I immediately filed a felony criminal complaint with the XXXX Police Department via telephone and they have since arrested and charged XXXX XXXX with felony fraud. I have been working steadfastly with XXXX trying to resolve this issue and to get Wells Fargo to refund my money via reverse wire transfer since Wells Fargo identified the wire transfer as fraud, recognized that they were depositing into a personal account instead of a business account and that the account holder 's names were not the same and did not intercept or place the wire transfer on hold until it could be verified. Unfortunately, Wells Fargo bank has given me nothing but lip service and the run-around and wasting my time while I tried to resolve this amicably. My bank ( XXXX ) wire transfer department has sent the Wells Fargo bank no less than a dozen secure XXXX messages trying to recover this money that they put into the wrong account. However, Wells Fargo has completely ignored my bank and refused to even respond to them too. 

I am attaching a true copy of the original wire transfer instrument to this complaint. Please investigate and make Wells Fargo bank follow the rules and refund my money.
Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$390.00} on my account. The amount is inaccurate because the charge is fraudulent. The creditor is claiming that I am responsible for this charge ( which happened to be the highest one ). The creditor stated that they contacted the merchant, who told them that the card was present at the time of the transaction. This is not accurate, and I would be willing to review security tapes at the merchant to prove that I was not there using the credit card.

I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement.

Lastly, if the creditor insist that I am responsible for the fraudulent charge, Federal law limits my responsibility for unauthorized charges to {$50.00} under the Fair Credit Billing Act. 

Please investigate this matter and correct the billing error as soon as possible.
My name is XXXX XXXX My DOB : XX/XX/XXXX My Social Security # : XXXX In XX/XX/XXXX I lasted my cell phone in XXXX when I moved XXXX. It appears that someone found the cell phone and used it and the charges went up. I dont know that was happening to me until, In XX/XX/XXXX I received a document from XXXX XXXX XXXX stating I owned {$1800.00} to XXXX XXXX XXXX. I disregard the letter because at the time I was recovering from XXXX XXXX. In XX/XX/XXXX I received document from the XXXX County stating I owed XXXX to XXXX XXXX. I disregarding this issued because I was trying to recovering from XXXX XXXX. In XX/XX/XXXX Chase bank see me a letter regarding that they had put a hold on my checking account ( Account # : XXXX ) at the time I have a balance of XXXX ) Again I could do anything because I was recovering from XXXX. In XX/XX/XXXX I contracted XXXX XXXX XXXX who represented XXXX XXXX to find out how much I owed, XXXX informed that I was a balance of XXXX, XXXX.and make arrangement to make payment until I finishing paying the {$3000.00}. I paid XXXX XXXX XXXX over {$2100.00}. I stop receiving statement from XXXX XXXX XXXX. However I would still send payment with a noted on it stating this if for my account. In XX/XX/XXXX I called XXXX and let them know I am not receiving statement from them, why? I was told by a representative at XXXX XXXX XXXX that payment is no longer required, because there is a claim going on. I ask them if they still have a lean on my saving account from Chase, I was told by XXXX XXXX XXXX that there is no lean/hold on my checking account. In XX/XX/XXXX, I went to a chase branch to inquired my balance in my checking account ( Account # : XXXX ) and it show I have a balance of -XXXX. I keep asking why is my account is -XXXX when they put a hold on the account it was a balance of XXXX. The representatives at chase try to investigate but can not give me an answer. According to chase my checking account does not have a lean/hold on it, but chase will not release my funds. I need help in this matter. Chase can not give me a reason why I show a negative balance and why they can not release my funds. Please help. My if you need to reach me my telephone # XXXX, my email is XXXXXXXXXXXX. XXXX XXXX.
I do n't have any account with XXXX XXXX XXXX XXXX XXXX 
However, I have received the bill every month since XXXX from the company. I have made complaint about this matter over the phone several times. They told me that understood and it was [ Fraud ] and fixed the issues. ( Last conversation with the company was XXXX/XXXX/XXXX ) Today ( XXXX/XXXX/XXXX ), I received [ COLLECTION LETTER ] from Collection Bureau of America ( XXXX ) and it said I owe {$84.00} the company.
I enter all the relevant data and am denied by Equifax. I am told I have to mail a request. I did n't start this problem. I want my report online. And by the way, XXXX and XXXX  continue to charge for freezes. A disgrace.
I was taken to court by a law firm representing XXXX XXXX credit card Patenaube and Fe! ix. They switched my court date three times and I was there every time but on the third time the baliff said they won a XXXX judgement on a card with a XXXX limit. I did not hear from them again for about six years. They never communicated with us on settling this debt. Then last week they levied my savings, my cd and our safe deposit box. The savings was Social security money from a savings account that was attached to a checking account which was only receiving social security XXXX. My wife who was not involved from this debt was also not able to access our safe deposit box. Bank XXXX XXXX charged XXXX to seize our savings which was for home taxes savings.. Then this law firm told us they needed a payment of XXXX overnight. We went tour bank to do this only to find out they had already seized the cd and our savings would given them quite a large over payment.
On XXXX XXXX, XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, Georgia stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account FMS FINANCIAL MANAGEMENT SOLUTIONS via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with FMS FINANCIAL MANAGEMENT SOLUTIONS, ( XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ). 
On XXXX XXXX, XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, Georgia, ( XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX Court, XXXX County, Georgia ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XXXX XXXX, XXXX I sent legal notarized affidavits from XXXX County, Georgia to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, TX XXXX ( XXXX, TX XXXX ) XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX ) XXXX, XXXX, GA XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX XXXX This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with FMS FINANCIAL MANAGEMENT SOLUTIONS, ( XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ). 

On XXXX XXXX, XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing FMS FINANCIAL MANAGEMENT SOLUTIONS the following : I do n't know anything about this debt please send to the Original Creditor. 

As Resolution of this complaint, I ask that FMS FINANCIAL MANAGEMENT SOLUTIONS stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX
In XX/XX/XXXX I signed up for the luxury gold card. The company offered an scra benifits that waived all fees ( including the annual fee ) and gave me 0 % APR on all purchases. In XX/XX/XXXX I heard of friends trying to get the same deal but the company stopped offering it. I spoke with a representative and was ensured that I was grandfathered in and my benifits would not change. In XX/XX/XXXX I received a letter stating that I would be forced to pay the annual fee in XX/XX/XXXX all other benifits would remain.
Experian is reporting a XXXX account as charged off in XXXX. I disputed this information because this account was charged off XX/XX/XXXX. XXXX is showing the correct charged off date. Experian updated the account with the incorrect charge off date. They refused to further investigate the account and will not allow me to re-dispute the account online. This is incorrect information. I would like to have the correct charge off date reported or remove the tradeline from my credit report.
Dealer Funding repossed my car today, XXXX/XXXX/15 without sending me a notice to cure my debt. I was unaware that they were coming to take my car or that they thought I was behind as they say I am. I have been making payments, the last one made was in XX/XX/XXXX but they claim that I have not paid a payment for four months which is not true and I have proof. When I made my last payment, it reflected my balance and with the payment I made, it brought the balance down under {$1000.00}. I lost my job and without a car I can not obtain a new one. When I called I was told my car was out for repo since XX/XX/XXXX but I had since made a payments that brought my balance down, the last one being in XX/XX/XXXX and i never received a notice to cure. I spoke to XXXX who said they had been looking for me for four months but I never received notice and my partial payments have been accepted ; they have sent me statements but no notices.
I had cable with XXXX XXXX XXXX when lived in XXXX. I only lived in XXXX for nine months. I moved to XXXX. I turned in all of my cable equipment. IN XXXX of XXXX. I received a collection notice from XXXX XXXX XXXX stating I owe a balance of {$320.00}. I made a payment arrangement with them. I paid {$110.00} ON XXXX/XXXX/XXXX AND THEN on XXXX/XXXX/XXXX I paid the remaining balance of {$220.00}. The approval code as XXXX. I also have the proof because i paid out of my XXXX checking account. I pulled my credit report and have a collection account from FOCUS RECEIVABLES Management on behalf of XXXX XXXX stating I owe {$420.00}. This account states it is opened XXXX of XXXX. I am so upset because now I have another company stating I owe monies that I have proof is paid. I am currently under investigation to obtain employment with the XXXX. I have paid all my financial obligations. i disputed the item on my credit report and will call credit bureau in the morning. Please assist in this matter. If an account is paid in full. Why would another collection agency be able to try to collect on a debt already paid! This is fraud and very confusing. I will be happy to pull my bank statement and show balance was paid in full! I also have a copy of the original credit collection service whom i paid. Thank you.
This is a junk debt. Originally debt was with XXXX XXXX XXXX. Made payments from XX/XX/XXXX till XX/XX/XXXX. Midland Funding bought my debt. I called them and they would give me no detail since the debit is currently being handled by there attorneys. Call XXXX XXXX XXXX they have never heard of me nor can they give me any detail on my account from XX/XX/XXXX. I am writing letters like a mad lady to dispute the court records of {$1900.00}. I only owe XXXX approximately {$350.00}. I have my credit union printing out a report of all payments made since XX/XX/XXXX to XXXX XXXX XXXX. They have filed a judgement against me in XXXX Municipal court which I am following up with letters and asking to meeting with a judge. Midland Funding, or there group of attornies, also contacted my old mortgage company with a subpoena to collect my banking information. This is illegal but of course my old mortgage company said they " had '' to give them the detail, and this is a inaccurate statement.
I am writing to dispute some scary errors on my credit report. I have written many times, to the XXXX credit reporting agencies about these errors -- eventually legally changing my name, twice, to make it impossible to mistake me with my mother and sister, who shared the same addresses and names. I was born, XXXX XXXX, my mother changed my name by adding her last name, changing it to XXXX XXXX, and presently, my name is XXXX XXXX. I changed my name because my mother and I shared the same name and our accounts where considered one. 

Today, I am writing because it seems Experian believes, my previous name, XXXX XXXX, and my new name, XXXX XXXX, belong to XXXX different people, although the same social is used, and I have provided documentation of the name change. Experian 's record of XXXX XXXX does not match with the report that has my previous name. The XXXX XXXX report does not have the same errors I have disputed in the past, but they do not show my previous names : XXXX XXXX, and XXXX XXXX or include my past addresses:1. XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXThe credit report under my previous name, XXXX XXXX, which they sent along with the XXXX XXXX report, has all the incorrect address I have disputed in the past and incorrectly adds a " Spouse or co-applicant : XXXX, which needs to be removed, as I am not married. '' These addresses must be removed from my XXXX XXXX record:XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX ( I have never lived here ) 2. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( This address belongs to my sister, XXXX XXXX-I have never lived there ) XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX ( I have never lived here ) My phone number is ( XXXX ) XXXX -- the other numbers do not belong to me and must be deleted. 

I need my credit report to connect my XXXX names into XXXX account, so that it does not seem like we are XXXX people, XXXX with errors and the other XXXX missing vital information. I have changed my name, but my information is not different from one name to another, they only change has been to my name.
Premier Student Loan I was told I was approved for a student loan forgiveness program and after paying XXXX  months I got accepted into the program which didnt forgive anything and just consolidate everything. I was supposed to get over XXXX off the loan forgave but that is not the case and they are charging me a monthly fee.
I attempted to contact Navient by logging onto my ( secure ) Navient account and sending inquiry via their email system. My inquiry : " Good morning. My account number is XXXX. My balance is now above {$30000.00}. I am going to start repaying soon. I request that my loans be changed to the Extended Repayment Plan and to be notified of how much the monthly payment will be for each loan. Thank you. '' After 4 days, Navient did not acknowledge nor respond to inquiry. 

So, I sent a copy of my inquiry via regular email, to CustomerService@navient.com. 

Navient 's ( automated ) response : " Your message wasn't delivered because the email admin for the organization 'navient.com ' created an email rule restriction. Please contact the email admin for that organization and ask them to remove or update the rule restriction. 
For more information about this error, see DSN code 5.7.1 in Exchange Online - XXXX XXXX. '' On XXXX, a borrower can switch repayment plans on the website - so easy. Navient doesn't even display or disclose which repayment plan your loans are currently on. 

Worse : Navient won't respond to inquiries!!
My Chase Bank online statement lists balances for checking, savings, and three credit cards ( old and new ). On XX/XX/XXXX I saw balance for card ending XXXX was {$0.00}. But I had XXXX reward points ( equivalent to {$540.00} ) and the statement showed 0 points. 
I called Chase and said I wanted to claim points but they were not on my statement. 
XXXX said they would follow up and get back to me. 

Chase letter of XX/XX/XXXX said the card ending in XXXX was closed by the bank on XX/XX/XXXX. As per terms and conditions of the reward program, if the account is closed for any reason the reward points is forfeited. 

I protested an unfair situation on the phone and visited my Chase Branch and received no satisfaction. Called again by Chase on XX/XX/XXXX and told they would not give me my points ( money ). 


I have a very active checking, savings account and a very frequently use my preferred Chase credit card for which I pay an annual fee of {$95.00}. 


I had no reason to believe Chase would close card XXXX and CONFISCATE my XXXX points since I am an active Chase client always in good standing. 

I never have been provided a copy of rewards terms and conditions. 

Chase never told me that my reward points were to be confiscated. They never offered to send me a check. They never offered to transfer my reward points to my very active Chase Sapphire Preferred card. 

Chase has policies that are self serving and lack adequate protection for clients in my situation. 

Chase had ample opportunity to notify me so that I could protect my reward points. I receive statements every month and I call the card center on various occasions. Chase was there to confiscate my {$540.00} but not to responsibly give me the opportunity to collect the reward I earned. 


My statements did not clearly show reward point status for card XXXX and online reward points are not show except buried on subsequent screens. 


Please get Chase to restore my CONFISCATED points ( {$540.00} ) on the card they closed for no valid reason. 


Please get Chase to initiate policies that also protect the client and not only them.
RE ; XXXX XXXX HOSPITALOn XX/XX/XXXX I was admitted to the XXXX XXXX Hospital in XXXX ( XXXX XXXX XXXX ) NJ. I contacted my then insurance company XXXX XXXX XXXX as I worked for t % he state and I had XXXX % hospitalization. I contacted them and they said the explanation of benefits was sent and all claims for that date have been paid especially the one for XXXX Hospital at XXXX %. They have now sold this debt to MULTIPLE COLLECTIONS AGENCIES. All of whom are threatening to enter onto my credit report. here are the agencies1. XXXX letter dated XX/XX/XXXX for date of service XXXX for XXXX ,2. XXXX letter dated XX/XX/XXXX for date of service XX/XX/XXXX for {$1200.00} AND FOR DATE OF SERVICE XX/XX/XXXX for {$1200.00}. 

ALSO, XXXX, is collecting the same XXXX debts that ANOTHER agency is trying to collect on called HRRG. However, XXXX was given these XXXX debts AFTER I spoke to HRRG on XX/XX/XXXX and advised the one date of XX/XX/XXXX was paid in full by my XXXX XXXX XXXX on XX/XX/XXXX as all claims for that date of service ( XX/XX/XXXX ) were paid on XX/XX/XXXX. AND I spoke directly to XXXX with HRRG on XX/XX/XXXX to clear up XX/XX/XXXX claim and made arrangements to pay XXXX month towards the XX/XX/XXXX date of service which i no longer had the same insurance. AFTER MAKING ARRANGEMENT WITH XXXX ON XX/XX/XXXX AND MAKING A XXXX PYMT THEY THEN TRANSFERRED BOTH CLAIM DATES AND AMOUNTS TO ANOTHER AGENCY XXXX! 
Now XXXX is trying to collect not only the one paid in full by my XXXX, but also the one I made a XXXX payment on ( which is not reflected either ). And to make matters worse, I have called XXXX XXXX 3 times now because I have arrangements with them for XXXX month but they now have added BACK ON XX/XX/XXXX for {$4900.00}!!!!!! 

I HAVE tried to straighten this out and multiple agencies are involved and XXXX XXXX is the one responsible for selling these debts to numerous agencies PAID or not paid. I do not owe ANYTHING FOR XX/XX/XXXXCould you please advise what I can do to straighten this out.
I use XXXX XXXX to access my paycheck earlier when I need to. However access to my current amount in my checking account is slow and can in some cases hinder my ability to get money when I need it. It would be best if access was instant so my current balance is always up to date.
I currently work at the XXXX XXXX XXXX XXXX and have about $ 70k in debt from the XXXX I competed at XXXX.I 'm dealing with the XXXX XXXX regarding Public Service Loan Forgiveness and have run into a lot of inefficiency and confusion.I had been putting off filling out the PSLF Certification Form with the good faith that my organization and loan payment plans were  eligible per the program stipulations. The provided information makes the program seem very straightforward and implies that the certification form is n't really needed until you switch jobs. As I had n't planned to leave my organization ; I did n't fill out the form for over 3 years while I made monthly payments. As soon as there was some discussion about cutting the program, I decided to get my ducks in a row before that happened, should the program be reinstated at a later time. The first response I received indicated that XXXX was not an eligible organization. This was a huge shock as XXXX is a XXXX year old XXXX well-respected XXXX XXXX XXXX. My HR director assured me that other employees had received confirmations that XXXX is indeed eligible and that this must have been some sort of clerical error. Indeed it was, as I resubmitted the the certification form with the same information as the first form, but received a response that XXXX is indeed eligible. I was then informed that I had only made one eligible loan payment in almost 4 years of regular payments. I have been trying to rectify this for months as I applied for an eligible repayment plan and when I was put on that new repayment plan, XXXX in no way indicated that the kind of plan was different from what I had applied for. I had one phone call with a customer service rep where she supposedly put a " tracker '' on my account to review my previous payments and that this process may take a few months. I believe this was some sort of stalling technique.I called XXXX again and was told there was no way to review previous payments and that I would have to restart a new payment plan now. This would put me almost 4 years behind schedule for loan forgiveness.
Was denied an fha mortgage for a dismissed chapter  XXXX  bankruptcy from    XXXX    2009    and met all other requirements. Our loan processor   XXXX   XXXX   from  pacific union fina ncial llc was absolutely horrible no communication left important information out when sending to underwriting and ultimately probably cost us our home purchase that will end up keeping my wife 's elderly father in a  XXXX    XXXX   instead of living with us.
I recently pulled my credit reports and noticed a XXXX account in collections with Convergent collection agency. I have not had a XXXX account in over 10 years. The addresses that are linked to these accounts are addresses I have never resided. These accounts are causing constant denials for credit and are hindering my homebuying process.