WillisBack/dataset-financial-user-claim huggingface dataset:
This problem is with Wells Fargo Bank in XXXX, CT. I am not a customer of Wells Fargo. I have a check drawn on Wells Fargo issued by XXXX. Wells Fargo refused to cash the check without charging a check cashing fee, although the check was drawn on an XXXX account at Wells Fargo bank. Wells Fargo blamed XXXX, saying that XXXX 's account does not allow " free '' check cashing. I spoke with the manager, XXXX XXXX of the branch, whom would not waive the fee and stated that I need to either cash the check at my bank or contact XXXX. It does not make sense to me that Wells Fargo would assess a fee to cash a check - is n't that their core business?
In XX/XX/2014, I had a chapter XXXX Bankruptcy discharged, since that time until the present all of my currently open revolving credit accounts have been paid on time and never late, there are XXXX derogatory items on my credit report. Despite this earnest effort to pay everything on time and be responsible with my credit my, my credit score is still unable to exceed XXXX, despite every account on my report stating on time, never late, my credit score still remains low to poor. It seems as if the credit reporting agencies are intentionally keeping my score low, so I may never be able to obtain a loan or rebuild my credit. I am currently trying to buy a home for myself and my family and this is seriously affecting my life negatively. I have also been very cognizant of the number of inquires and accounts on my credit report in an effort to increase my FICO score, despite my efforts my score continues to remain low no matter what I do.
I am the trustee for the trust of XXXX XXXX XXXX who was the last surviving borrower on a reverse mortgage serviced by Wells Fargo Bank before she passed on XX/XX/XXXX for her home located at XXXX XXXX XXXX, XXXX, Ca. XXXX. Wells Fargo 's Loan ID # is XXXX and Loan Acct # is XXXX. On XX/XX/XXXX, Wells Fargo provided us with written notice of our rights and obligations and specifically indicated that Youll have up to six months to purchase or market and sale the property. This calculates to XX/XX/XXXX. As they requested, we also provided Wells Fargo with copies of the deceaseds death certificate, the trust agreement and an intent letter that indicated we were going to sale the property. Wells Fargo acknowledged receipt of these documents by letter dated XX/XX/XXXX. Based upon that written representation, we renovated the house and put it up for sale and it is set to close on XX/XX/XXXX. The problem that we seek your assistance on is that despite our protests including that the house had sold and was in escrow, in XX/XX/XXXX Wells Fargo referred the property for foreclosure. After further protests, Wells Fargo agreed to not take any formal legal action. We assumed that this ended the matter, however, Wells Fargos attorney is now charging us {$900.00} in legal fees relating to the foreclosure. We have had numerous conversations with Wells Fargo personnel about this matter including today with XXXX XXXX of Wells Fargo at ( XXXX ) XXXX XXXX. He has defending the foreclosure action and has refused to reverse the legal fees stating that HUD guidelines required them to start foreclosure 120 days after the last borrowers death and furthermore they didnt have any duty to notify us of this requirement ( which they did n't until after they referred the matter to foreclosure ) and that it was our mistake to rely upon the representations in their XX/XX/XXXX letter which gave us until XX/XX/XXXX to market and sale the property. The facts support that Wells Fargo has refused to comply with the very specific repayment terms that they provided in their XXXX XXXX XXXX letter, have fraudulently and arbitrarily changed those terms without providing any prior notice and instituted foreclosure proceedings prior to the date that they specifically provided as the grace period before the debt became due and payable, namely on XXXX XXXX XXXX. This fraud caused tremendous XXXX XXXX XXXX XXXX  plus hours of my time to seek their agreement to cease these actions and has causing the above mentioned legal fees to be billed to XXXX XXXX estate. Please investigate this matter on our behalf because Wells Fargo 's actions are dishonest and I think fraudulent.
I had a doctor 's appointment on XX/XX/XXXX. A copay was not collected at the time of service. On XX/XX/XXXX, I received a collection 's notice from XXXX XXXX for {$35.00}. Prior to the notice, I did not receive any notice/statement/bill of an outstanding balance from the doctor 's office, XXXX XXXX XXXX, or their billing company, XXXX XXXX XXXX. 

Upon calling XXXX XXXX XXXX, they stated that no statements or bills had been sent to me since XXXX, and my address on file was current. They admitted fault, and that my bill should not have gone to formal collections since no statements or bills had been sent. I am concerned about this information being reported in my credit history since the billing company has admitted they never billed me.
I was instructed by Customer Service to mail in the details of the charges that I am disputing as fraud. Please find enclosed a list of all charges that I am disputing. Hopefully, the ones where a phone bill was paid will provide you with a name and more information. I have never had service with these companies. All of these charges took place more than two hours from where I live in XXXX, XXXX Several of the merchants I do not recognize. 
I did not initially identify these transactions as fraud because I am XXXX and XXXX. I, therefore, require assistance. Unfortunately, I only did a cursory review of my statements and obviously not a detailed and thorough analysis because of the medical conditions that I was experiencing at the time. 
I was unaware of the extent of the fraudulent charges especially since I was using the card at the same time and my primary method of reviewing the statements was by phone and not all of the relevant information was available to me, such as the city where the charges were made. Furthermore, my bill was due and I wanted to avoid late charges and extra interest and to maintain the good standing of my account. 
I am certain these transactions are fraudulent. I had to provide an agency with the last twelve months of statements. As I was reviewing my statements I noticed a fraudulent charge on another card. This prompted me to examine all of my past records/statements for all my cards. With assistance and hours of close examination of all my statements I discovered charges for cell phone companies that I had never had an account with. 
I was instructed by a representative to mail my explanation and charges to XXXX. I originally mailed this letter to Fraud Claims Department, CitiCard, XXXX XXXX, XXXX, XXXX XXXX on XXXX XXXX, 2016. It was returned to me as " Not Deliverable as Addressed '' on XXXX XXXX, 2016. On XXXX XXXX I spent over 2 hours on the telephone trying to dispute the XXXX charges with XXXX XXXX XXXX and the XXXX toll free numbers listed with the XXXX charges. Neither number worked. XXXX XXXX XXXX wanted a phone number, account number or a transaction code. These do n't appear on the statement. So I called CitiCard. They could n't provide any of this information so it makes it impossible for me to file a police report and they did n't offer a correct mailing address for sending my fraud claim and they claimed there was no fax number that I could fax my claim to. I have already been waiting for 3 1/2 weeks for a response.
Disputed accounts on my report and all three reporting agencies came back as verified. Sent a letter for Method of Verification to all three reporting all three received the letter XXXX/XXXX/XXXX. As of today XXXX/XXXX/XXXX I have not heard nothing back from none of the credit agencies about my request. I have contacted XXXX rentals asking for a signed copy of the contract to no avail. They are reporting these accounts and the credit reporting agencies are reporting these accounts that are not mine. No one can show me a signed contract. The credit reporting agencies had 15 days to show me how they verified these accounts and is well passed that time limit. XXXX is reporting a account from a collection agency that I originally disputed with all three agencies, XXXX and Transunion removed these accounts but XXXX is still reporting this. Contacted the collection agency and they stated the no longer hold rights to account. But, XXXX is still reporting.
I reported that my card was lost or stolen to the bank. After I received new card, I encountered new charges. Also I was given provisional credit and was charged back {$110.00}. As a result of all of this I was charged {$160.00} in overdraft fees. I reported this to the company but nothing was done and neither I was contacted by the company.
On XXXX XXXX, 2015 at approximately XXXX mountain time I contacted XXXX XXXX to speak to someone about making a payment plan on my student loan which I had stopped making payments on due to extreme financial hardship.. The customer service representative that took my call was unprofessional, rude and used bullying tactics and demanding that I pay the amount in full. I repeatedly asked him to stop talking over me so I could explain again to him that I needed a " repayment plan '' or Forbearance agreement forms so I can sit down and figure out what I can do to resolve my situation and pay my debt. I am VERY DISAPPOINTED as I contacted them to try to make a payment plan and just feel like I was abused and shamed. If the calls are truly monitored and recorded you should listen to it. XXXX XXXX - email : XXXXXXXXXXXX, You may contact me for further information if you wish.
During the period from XX/XX/XXXX to XX/XX/XXXXNavient incorrectly applied my payments so that I was paying interest which should have been subsidized by the Federal Government. I filed a complaint with the Department of Education in XX/XX/XXXX, several weeks went by without resolution. I filed a second complaint with the Department of Education and a third complaint with the CFPB. Several days after filing the second and third complaints, Navient sent a letter, case # XXXX, admitting they had misallocated my payments and saying the amount of the subsidized interest that I had paid would be credited back to me in early XXXX. I contacted XXXX XXXX, my " Customer Advocate '' at Navient in early XXXX. XXXX XXXX was unable to tell me why the money had not been credited to my account. She was also unable to tell me when it would be credited to my account, or how much subsidized interest I had paid ; in Navient 's current online system, payments made by the Department of Education are not identified so I be sure how much subsidized interest I paid by looking at my account online. I have been diligently contacting XXXX XXXX weekly since the beginning of XXXX, but she has not been able to give me any information. It does not appear XXXX XXXX is looking into my case, or that Navient has any intention to resolve this issue.
XXXX MD XXXX WF CRD SVC Attention : XXXX Date : XX/XX/2017 To whom it may concern The purpose of this letter is to Dispute and to request and expungement of the above referenced account. 

I do n't recognize the accounts in question. There should be no further effort to enforce or collect on this account and, therefore, I am requesting that the Fms WF CRD SVC Vacate, withdraw and/or expunge. 

Please forward a copy of the withdrawal and/ or expungement to the address listed above in this letter. 

Your prompt attention to this matter is greatly appreciated. 
Thanks, XXXX
IM sick and tired of trying to get a credit report that has everything on it. not like some of the services they sell. i want to pay {$12.00} for my credit report, but they cant verify my info. they say i have to mail them all kinds of proof of ID. YET I CAN SIGN UP FOR 1 OF THEIR MONTHLY FEE BASED CREDIT MONITORING NO PROBLEM. NO MAIL. .JUST GIVE US YOUR CC # AND YOU 'VE GOT OUR CREDIT WATCH FOR {$20.00} A MONTH.. THIS SHOULD BE ILLEGAL. THEY REFUSE YOU YOUR REAL REPORT BUT OK YOU FOR THEIR MONTHLY SERVICES WITH CREDIT REPORT AND CREDIT SCORES. THESE ARE THE SAME PEOPLE WHO CONTROL OUR CREDIT AND LIVES. THEY CONTROL OUR CREDIT AND THEN ARE ALLOWED TO MAKE PROFIT ON THE SIDE. THAT SEEMS LIKE A CONFLICT OF INTEREST TO ME. COULDNT THEY BLACKLIST ME FOR COMPLAINING OR NOT LOOK AT MY DISPUTES OR ANYTHING. AND ILL PROBABLY RECEIVE BACKLASH OR PAYBACK FROM THEM, BECAUSE THEY 'RE ABOVE THE LAW. THE GOV NEVER DOES A THING IVE MADE COMPLAINTS BEFORE, WHOSE LOOKING OUT FOR THE CONSUMER. GOOD OLE USA XXXX THE PEOPLE IN FAVOR OF CORPORATIONS. AND IM A XXXX VETERAN. YOU CANT DISPUTE ITEMS FROM THEIR MONTHLY SERVICE. ALL I WANTED TO DO IS PAY {$12.00} TO SEE MY REPORT FROM EXPERIAN SO I COULD DISPUTE SOME ITEMS, BUT THEY ARE ALWAYS PUSHING ME TO SIGN UP FOR THEIR SERVICES CREDIT MONITORING XXXX. I THINK I HAVE A GOOD LAWSUIT. THE CRA 'S REFUSING YOU YOUR CREDIT REPORT. BUT OFFERING A SORT OF FAKE REPORT FOR LIKE {$24.00} A MONTH THAT DOES NOT HAVE ALL THE INFO OF THE OFFICIAL ONE. THERE NOT WORRIED ABOUT FRAUD WITH MONTHLY SERVICE, GET REPORT FROM ALL XXXX CRA 'S IN A SEC. BUT NEED TO DISPUTE. COULD TAKE MONTHS OF ID CHECKS TO GET REPORT. I THINK ILL TALK TO AN ATTORNEY.
APR for this loan is XXXX -- -Finance charges are XXXX from Bigpictureloans . As of XX/XX/2017 they would have taken XXXX from my account and I only borrowed {$450.00} and each time a payment is taken the PAYOFF AMT goes up. The current payoff amt is XXXX, this is just a rip-off -- -please help! This was explained to me as an installment loan -- NOT a payday loan.
A payday loan was applied for in my name in XX/XX/2012, I have had hardship over the past couple of years but I and my family have been threatened 2 times over the past 5 years to be sued for check fraud, when have n't been properly served or notified. My friends are getting phone calls and are given false information. Telling them they are from the XXXX Police Department. When I call they are rude and try to threaten me with a court case if I dont give them money I dont have. Apparently the original amount was XXXX but they are asking for XXXX and more if they go to my district attorney. They give me a confirmation number after I paid them but nothing else. I called the original loan company and they told me they dont pursue court cases. I dont know if this is real.
I filed a Ch XXXX bankruptcy in XX/XX/2018 which included several accounts from Med 1 Solutions ( XXXX XXXX ).  The particular account # XXXX. I have disputed the account with XXXX and provided supporting documents showing the debt to XXXX showing it was included in the bankruptcy. XXXX contacted Med 1 and stated to me that this collection is valid. I sent Med 1 Solutions a copy of my bankruptcy document and they refuse to update my XXXX credit report showing included in the bankruptcy. It stills shows owed and not included in the Ch XXXX   bankruptcy. This has been going on for more than 6 months and at this point I do not know what else to do to rectify the situation. 

Thank You,
This company is calling my ex husband leaving rude threatening voice mails claiming to be looking for my whereabouts, saying that if someone does n't respond there will be legal action and they will continue to call until someone answers. That they will continue to go through a list of contacts of known associates until I contact them. When I called the phone number a woman answered the phone, she never stated what company it was when she answered so I asked what was the name of the company she told me it was NP Group. I then asked what kind of company this was ; were they a bill collector, she was immediately defensive told me it was an investigation company. I then asked the type of investigation the company did, her reply was HIGH RISK. I asked high risk for what, she then asked for the number that was called so she could tell me what dept. so I could be routed. I told her no thanks and she stated we wont stop calling you its going to continue and then hung up on me. I have not received any calls or letters regarding any past due monies owed. This company and employee I encountered is completely unprofessional and is harassing my family. If they want to contact me they can send a certified letter.
This company not only calls my home phone number listed above, they call my cell phone number as well, often in the same day. The calls are up to XXXX times daily.
We were unable to close because the lender refused to accept hand-written corrections to the XXXX XXXX application and the loan officer refused to correct the information in their system. In addition, we were told that if we refused to sign the blank continuation sheet we would not receive funding. Fannie Mae 's own website as well as countless other agencies specifically warns consumers against signing blank forms. We had expressed concern about these issues well before closing and no corrections were made. At closing, we corrected the errors on the Form XXXX by hand and drew a line across the blank page. The lender rejected the application form. We asked the loan officer who could correct these issues and we were told no one. The loan officer refused to release the funds out of escrow because we would not sign the forms containing incorrect financial information. 
We are retaining our current home with the intent of using it as a future rental. It has never had a mortgage or other lien. First, our current home was incorrectly listed as having a lien under the liabilities portion of Sec XXXX and having a value of more than twice its assessed value under the asset column. Fannie Mae 's own instructions state to list real property expenses under Sec XXXX in the " present '' column with appropriate line items for taxes and hazard insurance. Second, in Sec XXXX of the XXXX, the loan officer is insisting on listing our annual property tax and insurance expense as a mortgage liability when in fact it is not. A specific box for this expense does exist on the table. There are no current unpaid balances for property taxes or hazard insurance. Finally, page XXXX of XXXX of the URLA XXXX is a continuation page to be " used if necessary ''. While we understand that it is part of the application requiring signatures, it is absolutely unacceptable to expect an individual to sign a blank document. Surely, this is not the intent of the continuation page. A disclaimer such as, " No Additional Information Included '' or something to prevent additions after the fact should be allowed.
XXXX   XXXX  claims they are servicing a loan for   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX . The Bank  XXXX   XXXX   XXXX  was conveyed  a Trustee 's D eed on  XXXX   XXXX . The   XXXX   XXXX   XXXX   XXXX    XXXX  filed a Forcible Entry and Detainer Suit in  XXXX .   XXXX   XXXX   XXXX   XXXX    XXXX  was awarded Judgment of Possession in  XXXX   Court and County Court i n  XXXX . I filed a lawsuit to enjoin  a Wrongful Post-foreclosure eviction. On  XX/XX/XXXX  in open Court,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   advised the Court they would not   eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the  XXXX  District Court,  XXXX  county Texas.     On  XX/XX/XXXX ,  XXXX  's attorney admitted in  Open Court they  were only responding to a dispute letter. They had sent me no default letter, noti ce of Acceleration, or notice  of foreclosure. However, my credit report shows I 'm delinquent.
This bank voluntarily undertook to lend me money but the lending was not accomplished with due care and increased the risk of harm to me through ( 1 ) an inability to access the proper amount of funds to properly grow my business of providing legal services particularly on or about XXXX XXXX, XXXX which is when I filed for Chapter XXXX bankruptcy ( which was dismissed ) and after the XXXX XXXX, XXXX XXXX Supreme Court order of suspension from the practice of law ( which I am challenging ) but at which time a proper amount of loan funds would have allowed me to redirect my law practice to potential customers in XXXX and XXXX ( as my law licenses in XXXX and XXXX is valid ) as well as ( XXXX ) through the negative mark on my credit reports and presumably resulted in harm to others who would have benefited from my business of providing legal services ( or at least the lower cost of legal services gained by more competition in the marketplace ). The reliance upon the undertaking conferred a duty of reasonable care by the bank because it thereby created a foreseeable zone of risk. See XXXX XXXX XXXX XXXX v. XXXX, XXXX So. XXXX XXXX, XXXX ( XXXX XXXX ) ( " Voluntarily undertaking to do an act that if not accomplished with due care might increase the risk of harm to others or might result in harm to others due to their reliance upon the undertaking confers a duty of reasonable care, because it thereby 'creates a foreseeable zone of risk. ' XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; '' ).
on XXXX/XXXX/2015, I called citi to close my account ( paid off with zero balance ), and citi call agent ( Name : XXXX, agent id : XXXX ) gave me a hard time refusing to close my accounts and after XXXX mins of me begging him it was still not clear if my account was closed or not. 
on the same day, XXXX/XXXX/2015, I had to fill a CFPB complaint hoping citi can respond and close my account. Case number : XXXX. 
on XXXX/XXXX/2015, citi responded and claimed my account was closed. But I checked online and my citi online account showed " This account has been converted to a new number. " on the same day, XXXX/XXXX/2015, I followed up on my CFPB complaint to dispute, hoping citi can take real actions to close my account with no further delay. Unfortunately citi did n't respond. 
on XXXX/XXXX/2015, I received a letter through mail from citi celebrating my account has reached 1 year anniversary, stating " your account has been current for the past year. we are confirming that your citi AAdvantage gold world elite master card account has been in good standing for the past 12 months. during that time, you 've kept the account current under the terms of your card agreement we appreciate it. we are working hard to serve you, and we 're always look for ways to do more. feel free to contact us if you have ". A scanned copy is attached XXXX. 
Seriously, citi? I have only XXXX suggestion which you failed for weeks : CLOSE MY ACCOUNT! I would never ever have anything from citi, given this horrible experience. 

When you book future customers, I wish you inform them what process you want your customer do to close their account with you for real? I can fill as many as CFPB complaints, given you do n't address follow-ups.
I am a Citibank credit card ( Premiermiles/Platinum ) holder. Without any official or oral notice from the bank, my card was frozen this noon and resulted in no availability to pay my lunch with my client, which made me so embarrassing. After back to office later, I phoned the customer service and found out that my credit card was frozen for the reason of high risks of not personal using. 

First of all, I ca n't believe that how could they judged my consumption and payment with this card is not personal using. I traveled a lot and also paid hotels, meals, gifts and leisure. What is personal using? How do they approve my payments are not personal purpose? 

And also, I had not received any notice, even no call/message to inform me that my card would be frozen. Now I could not check any information about my previous statements history and rewarding point is zero. I am going to apply for a XXXX visa, now I do n't know how to approve my financial affordability without the bank statement. 

The annual fee for this platinum card is over XXXX USD which I was forced to pay it in the XXXX month of my using this card. It has been only 4 months for my using this Citibank card. The bank would not be returning proportional money as they have frozen my card. 

All in all, as an ordinary card holder, Citibank is making unfair movement to me as they could always use the corporate privilege against individual client.