WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I received an unsolicited phone call from someone claiming to work at Wells Fargo. The person said there was a problem with our upcoming automatic payment draft in XX/XX/XXXX and asked me to provide our bank account and routing number. 

This phone call occurred the day after XXXX. I was in no position to give out our bank information through an unsolicited caller. I expressed my concern to the caller and then went online to wellsfargo.com to check our account after hanging up. Everything looked in order. Our bank account information had not changed in years. I sent Wells Fargo a secure message online and expressed my concern for what I believed to be a phishing call. 

Our payment went through online in XX/XX/XXXX but never was reduced in our bank account. About a week after the payment online was posted, Wells Fargo sent us an email stating the payment could NOT go through. I went online and tried to re-enter our same bank account information and it said it was already on file. I then deleted our information on file and tried to set up a manual electronic payment from a savings account. I doubted it would go through and also re-entered the same original bank account information and tried to set up a manual payment. 

Eventually both payments went through. Again, Wells Fargo did not explain why manual payments could go through fine but it was our fault / our bank 's fault for an unexplained error in pulling an automatic payment. Upon request, Wells Fargo returned the payment from the alternative account, leaving just one payment made for XX/XX/XXXX. 

I scheduled a manual electronic payment for XX/XX/XXXX and it just recently went through. Wells Fargo has yet to acknowledge its error or lack of responsibility for the XX/XX/XXXX phone call that did nothing to accept responsibility for the problem. 

In a letter dated XX/XX/XXXX, Wells Fargo send me a letter saying that they have reviewed our complaint and said that since they told us the call in XX/XX/XXXX was legitimate, we were warned of the problem with our automatic payment. Therefore we had no reason to be frustrated or upset. 

Wells Fargo is a huge company that acts without apparent care for an individual mortgage payer. We have never missed a payment and try to pay extra whenever we can. It feels like they are being deceptive, using practices like unsolicited calls around the holidays that an average consumer would be wary of, and taking no accountability for why their system can still not set up an automatic payment for a bank account that had worked just fine for years. 

We asked for some type of financial compensation / credit to our account for the inconvenience. We also asked that no negative credit reporting be done on our account. 
While they ignored the former request and promised the latter, I think this company needs to be reviewed again for deceptive practices. Thank you.
While I was inundated with XXXX XXXX, multiple XXXX, XXXX and related needs for same and unable to take care of any of the obvious needs, a judgement was issued. I attempted to contact the debtor and get the information but have not received a verification of debt. 
The debtor has attempted to garnish the bank account and this is the only means of survival since our only income is Social Security Benefits. We have since received a pattern interrogatory from them.
I have contacted both XXXX and bank of America about 4 transactions to XXXX app on mobile banking where 1number on this contact was incorrect and the name of this individual does not match the name on the account I was sending money to. Bank of America contacted the other bank ( XXXX ) who let the individual know of the mistake and the individual fully declined to return the money to me knowing the money did not belong to them ( XXXX ) XXXX is the number where the money was sent to. I have no idea who this person is or their name or anything.these are the dates of the transactions who were meant to go to feed my daughter but instead landed in the hands of this thief XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX the only reason I found out is that I co-parent and they showed me proof they never received the funds of {$64.00}. I know this is not a large amount to many people but it is to me and I work very hard for this money and I would like it back!
I have a a unverified account from JEFFERSON CAPITAL SYSTEM. I had previously disputed this account. I have never done business with JEFFERSON CAPITAL SYSTEM. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that JEFFERSON CAPITAL SYSTEM Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that JEFFERSON CAPITAL SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I had an insurance claim and Nationstar Mortgage is listed on all of the checks. I had to send the final check for withheld deprecation to them. They have been holding the check for months and they refuse to release it. They tell me something different everytime I call. I was told they would release the funds when the inspection came in at 90 %. The inspection came in at 97 % but they still refuse to release funds. They wanted paid in full receipts for the work and I sent those. They refuse to release my money and they continue to request the same documents over and over again. They are determined to keep my money.
On Monday   XXXX   XXXX   XXXX    , around  XXXX  Central Time, I called Equifax to request the removal of all dispute comments on my Consumer Report. In addition to this request, I also wanted to inquire about having a certain account removed from my report as well. After speaking to both   XXXX   and   XXXX   last week, it was brought to my attention by their customer service teams that this account met " certain criteria '' for immediate removal from my report, and they went ahead and removed it. The customer service member with Equifax told me that they could not remove this account and that it would be scheduled to be removed in   XXXX   XXXX    . I explained that both   XXXX   and  XXXX  said the account met " certain criteria  '' ( which they did n't specify to me ), a nd were able to remove it. However, the  Equifax CS r ep just kept repeating the scheduled removal date with no further investigation on her part. I asked her to transfer me to  a Supervisor, which  she did. I, again, explained the situation to the Equifa x CS Supervisor, and she proceeded to repeat the same scheduled removal date as the CS rep. She then stated that she apologized if the " other  XXXX  bu reaus '' were able to remove the account but that Equifax does not do early removals.     My biggest issue here is that I was n't necessarily just asking for an " early removal '' of an item for the sake of having it removed. I was asking for her to review the account and see if it met any criteria at Equifax that would prompt the immediate removal of the account. This could be due to an error in the way the item was reported, an error in the information provided by the creditor to Equifax, or some other Equifax specific ( unknown to a consumer like me ) qualification for removal ... however, no one there seemed to understand this, nor seemed to want to even check their sources. They just wanted to tell me, " No. '' It makes NO sense that  XXXX  of the  XXXX  major bureaus could remove this account, but Equifax can not. This is gross negligent handling of my personal credit profile and they are holding my credit sco re hostage by pu rposefully not removing an account that should no longer be visible on my consumer report.
I have a Mortgage Loan with JP Morgan Chase, on my primary residence.Because of various hardships, listed in my hardship letter, I fell behind on my payments. I understand I am behind by 6 payments ( {$6300.00} ) including XXXX 2015. 

They have scheduled an Auction Date of XXXX XXXX 2015 to sell my home. So I had submitted a complete HAMP Modification package on XXXX XXXX 2015. They received it but said that I should have applied at least 1 month before the auction date. Since I did not do that, they are going ahead with the Auction. I DO NOT KNOW, IF THERE IS ANY SUCH RULE UNDER HAMP GUIDELINES.Please examine this and arrange to stop the auction. 
Since they are saying it is too late to do a modification, I requested them to allow me a Repayment Plan with 50 % of the arrears being paid now and the balance in say 6 monthly installments along with my regular payments.Even this they refused and are bent upon auctioning the property on XXXX XXXX. 

This is my Primary Residence, and I want them to give me a chance to keep it.If they auction it, my husband, I and my XXXX XXXX children will be thrown onto the street.
Transunion has ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly delete all information which can not be verified. ''
On XX/XX/2018 a payment was made to XXXX in the amount of XXXX. They received the payment from my XXXX XXXX account and now claim to have never received it. Leaving the debit on my credit report.
I believe that I have been taken for a ride in an online business scam. When attempting to report this I have been directed to your website and I am hoping that with your assistance I can dispute charges that were paid to companies for what I now believe is an online scam. I do n't think it is fair that I can not dispute charges over 60 days old and I have been advised that this 60 day limit is not applicable since these charges are not billing errors. Earlier this year and throughout this year I have paid a several companies for various products and services that have either not been delivered or are different from that which was described. The charges that I wish to dispute on my Bank of America card are {$900.00} and {$99.00} per month in a total of {$290.00} both charged by a company called XXXX.I tried to contact the company directly several times and they do not return my calls or answer my calls.
I have contacted the 3 major credit bureaus XXXX, XXXX, and XXXX that the account on my credit report regarding a bankruptcy is inaccurate. They have informed me they received the info from you Lexis Nexis. After asking you to verify the info you said you " verified '' the info as being accurate. Really? When I contacted the court and the clerk verified that they dont verify records with the credit reporting agencies. So where are you pulling this information from? You are required to have firsthand knowledge, which means you need to furnish the actual petition. The Court should be the furnisher of information, not a third party source. I know for a fact that your company receives information on bankruptcies from a third party known as Pacer. The pacer system is inaccurate and incomplete since the pacer system does not provide complete social security numbers as that would be against the FCRA and privacy laws. Furthermore, the Fair Credit Reporting Act is inapplicable to the Court because the Court is not a consumer reporting agency. I'm pretty certain what your company is doing is illegal but you keep violating my rights. You must obtain firsthand knowledge. How can one obtain firsthand knowledge from a 3rd party? According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Secondly, the item is reporting inaccurately.
In XX/XX/XXXX we received a letter from Wells Fargo Mortgage Company stating we could take advantage of the " disaster relief program '' because our county XXXX had many fires. We jumped on the program because they said we didn't have to pay our mortgage for 3 months and then we could resume payments. I made payments on XX/XX/XXXX and have made regular payments ever since. In the meantime, they have sent us weekly foreclosure letters stating we were behind in our payments. They also took the liberty and paid our taxes and home insurance. After six months they sent us a loan assumption with a large mortgage payment and a 40 year mortgage. This is not what they said they would do! We denied it per a telephone conversation and we were told we could just keep paying our mortgage. Today I received a bank statement with 2 options. We could pay the $ XXXX  immediately and make new mortgage payments of {$2300.00} ( our original payments were {$1700.00} ) or we would have to start paying {$3200.00} per month. We never told them to pay our taxes, we never told them to pay our home insurance. This feels like a scam. We don't know where to turn. Last month we paid back 2 out of the 3 payments we owed and paid our current mortgage payment. We have paid on this loan for 5 years and only owe $ XXXX. Our home is worth $ XXXX. I think they are trying to take our home away from us. I have a stack of letters from Wells Fargo, too many to send.
On XXXX/XXXX/15 my car was broken into at a park in XXXX XXXX ( XXXX, FL ). The thieves took my entire purse/wallet which held my license, Chase, XXXX XXXX, XXXX XXXX XXXX XXXX, insurance cards, car registration etc. Police report was filed ( XXXX, XXXX XXXX ). I immediately called my card companies, XXXX XXXX being 1st, then Chase. Chase was notified that both my Temporary card and inactivated debit card ( I had just received it ) along with wallet and everything was taken. Employee told me she canceled both cards and would not be able to send a new one via mail due to my account being relatively new. 
Friday XXXX/XXXX/15 my new XXXX XXXX card arrived and I called to activate it, XXXX I went to do groceries, new card declined - I called XXXX and they notified me they had an imposter at the bank earlier the same XXXX & the XXXX took ID and Card, ( @ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, Branch XXXX : XXXX XXXX XXXX ) - she advised to check other ACCTS I had in wallet. Immediately checked my Chase app and remaining balance was {$0.00} ( they withdrew {$750.00} from my account ). I immediately called Chase, told them everything ( how I found out via XXXX XXXX etc ) and filed a claim ( CLAIM # XXXX ). I was told to call back for address of branch when " transaction processed '' - Saturday morning ( XXXX/XXXX/15 ) .. I checked Chase APP and it was processed, called back claims department for branch address where withdrawal occurred ( @ CHASE, XXXX XXXX XXXX XXXX XXXX FL XXXX ). To my surprise, even after both incidents my account STILL HAD NOT BEEN FROZEN for my security/protection.. until I called back XXXX Morning ( even after calling regarding information theft on XX/XX/XXXX and imposter on Friday XX/XX/XXXX ). The freeze did not take place until XX/XX/XXXX. On Friday XX/XX/XXXX I called to see the status of my claim and status of the credit to my account - to my utter shock I was told my claim was DENIED, a FIRM DENIAL ( wont be reversed ) due to " My lack of care ''? I told them XXXX banks were provided same information, same day and how could this be.. not to mention the LACK OF CARE on THEIR/CHASE part that they did not FREEZE my account or put an ALERT when I called with information regarding THEFT and SUBSEQUENTLY with a claim that they had an IMPOSTER which withdrew all my funds. I cant fathom this is appropriate? We do not live in a corrupt 3rd world country, where are the consumer/customer rights? Where does the line cross where the institution is negligent and acting inappropriate and against the proof where everything is documented? Phone calls, police report, XXXX banks with same information same client with different actions? Please let me know what can I do from here. Whether it was {$50.00} or $ 1500+ its the principle that Chase is not abiding by what an insured Bank claims to provide. I am in utter shock of this decision and the events that led up to this writing. I hope to hear from you soon -
Collection company refuses to provide information as to name of creditor. They only provide a database listing showing my name and an amount allegedly owed. I have recently suffered from identity theft, and have had a number of claims for services that have been provided in states where I do not live, and have never lived in or have not lived in for 10+ years.
During my XXXX year of college ( about 2013 ) I traveled XXXX. I let my bank ( U.S. Bank ) know that I would be switching to XXXX XXXX XXXX for the time being, because they have a great relationship with XXXX XXXX Bank and it would be easier for me to use my money through them. And assured them I would switch back to their service once I returned XXXX. 

I kept a small amount of money inside my U.S. Bank account ( as advised by XXXX the bankers when I told them I was traveling XXXX ). They did not warn me to freeze my account or to make sure that I do n't have any reoccurring charges. I understand these are things I should have checked for myself, but I was too busy worrying that everything was set up for my trip XXXX. 

Once XXXX I got a reoccurring charge ( a small XXXX around $ XXXX {$25.00} ) that put me just barely in the red and overdraft. But because I was in XXXX where they did not allow XXXX or XXXX, and any mail warning would be sent to my sister 's address which had no way of contacting me, I was left not knowing about this for months. And even if I found out, the program I was in did not allow me to speak any XXXX. Once I got back from XXXX the fees had stacked on top of each other until it had reached hundreds of dollars for a simple ~ {$15.00} charge. I decided to ignore it because between college and XXXX I had absolutely no money to pay for it, and did not think I had any action I could take against such a big bank. 

A couple of months ago I contacted the branch where I opened up my account and told them I was trying to get a handle on all of my debt. And that I was willing to pay it off, if they could at least be willing to work with me. The manager looked up my account, and although he acknowledged it started with such a low fee he reminded me that the event transpired such a long time ago that he was n't required to do anything. 

Just a couple of days ago I got a piece of mail from XXXX saying " Good News! We have contacted our client, U.S. Bank, and they have agreed to accept a substantially lower amount to settle the above referenced account in full ''. Saying that they will accept a one time payment of {$310.00} instead of the {$690.00} that I owe them, for a charge that started off as low as {$20.00}.
Being accused of check fraud for a payday loan that was n't paid. When the submitted my post dated check it came back as NSF and later when submitted my account was closed by the bank and so therefore they claim I 'm commiting check fraud by a closed bank account and I will face civil charges and go to jail.
When I started out going to school, I was forced to get a private school loan from Genesis Lending, XXXX. XXXX XXXX, OR XXXX, I started in XX/XX/XXXX and was paying Genesis Lending from the time I started, and XXXX University and XXXX have a Law suite right now with over charging me and other students like me, I put my trust in them and now I am forced to pay higher school loans, I think this part of my school loan should be FORGIVEN, I have called Genesis Lending today XX/XX/XXXX and they basically told me to just keep my account current, so please help me and forgive this loan. Genesis Lending phone number XXXX. Thank you for your understanding. I was only trying to better myself and get a good job and XXXX XXXX XXXX University took advantage of my and others as well, I am so upset that this could happen, so please understand I am not made out of money!!!
I have sent a certified letter to XXXX, Experian, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX   and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, Experian, and XXXX failed to do.
I asked for verification of the information that XXXX XXXX is reporting to the 3 credit bureaus. The only thing I was told was that it will not be deleted. They never verified my information or showed me any proof of this account. I have no idea what this account is for. I see that the balance owed is XXXX dated XXXX XXXX 2011. However I have yet to receive a copy of an Agreement that I signed.
ANY OF THESE ACCOUNTS DOES NOT BELONG TO ME * XXXX XXXX XXXX   XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT Individual XX/XX/XXXX {$400.00} {$31.00} $ XXXX-PAYS 61-90 DAYS {$81.00} COMMENTS FIRST PAYMENT NEVER RECEIVED *XXXX XXXX  XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$1000.00} - - XX/XX/XXXX PAYS AS AGREED - Individual COMMENTS ACCOUNT CLOSED AT CONSUMER 'S REQUEST *XXXX XXXX   XXXX Revolving OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$420.00} - - - PAYS AS AGREED - Individual *XXXX  XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$3000.00} - - XX/XX/XXXX PAYS AS AGREED - Individual *XXXX XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$6000.00} - - XX/XX/XXXX PAYS AS AGREED - Individual COMMENTS ACCOUNT CLOSED AT CONSUMER 'S REQUEST *XXXX XXXX  XXXX XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$9000.00} - - XX/XX/XXXX PAYS AS AGREED - Individual COMMENTS ACCOUNT CLOSED AT CONSUMER 'S REQUEST *XXXX   XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$5000.00} - - XXXX PAYS AS AGREED - Individual COMMENTS ACCOUNT CLOSED DUE TO INACTIVITY