WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo opened numerous accounts that were unauthorized starting approx. XXXX, including XXXX credit card. One time a significant amount of money was transferred into my new account. I brushed it off as employee incompetence, and because I had a large number of automatic withdrawals coming out of that account each month, chose not to change banks. 

After hearing that Wells Fargo did this millions of times, I called to have my account closed immediately. I had a previous issue with overdraft fees being charged that should not have been charged, and an unauthorized transaction in the amount of nearly {$4000.00}, so I was overdraft at the time. On Sunday, XXXX XXXX, XXXX, I called to finally close my account. I told them I had been the victim of the fraudulent schemes and was sick of being charged overdraft fees for unauthorized transactions. They refunded enough fees to get my account to a balance of XXXX and told me it was closed. 

I wanted my account closed immediately due to fraud, and notified the multiple companies whose payments were debited automatically from that account, however most told me that the pending payments could not be stopped. Wells Fargo in fact apparently did NOT close my account, and charged me, as of today, nearly {$1200.00} in overdraft fees for these transactions I was not able to stop. ( The whole reason I went to the trouble of closing my account was because they committed fraud and forgery to begin with, which was their doing to begin with. ) After calling their customer service number, I was told they would waive approximately 15 % of the fees. I told them I was n't paying any of the fees because I had to immediately close my account due to their fraudulent activities and could not stop the automatic payments. Furthermore, I do not understand how a " closed '' account could incur those fees. They accused me of not having closed the account, even though all my other accounts were closed that day, and I have phone records to prove I was on the phone that day XXXX XXXX XXXX ) with them. Furthermore, they credited exactly enough fees to bring my balance to {$0.00}. They accused me of lying. My wife heard the conversation as well. 

Finally, I began receiving autodialed calls trying to collect the overdraft balance that I do not owe. I told Wells Fargo they were harassing me and I did not ever wanted to be contacted by their bank again, for any reason. They responded that they took my phone number off the account but that I may receive future calls because my account is overdraft. I responded that I would sue them for harassment if they did not leave me alone. 

I want my account CLOSED, the fees that I DO NOT owe taken off, and I want Wells Fargo to stop harassing me immediately. Further, I want compensation for all the time I have wasted the past 3 years dealing with their fraudulent accounts and fees.
Dear XXXX, From XXXX XXXX until XXXX XXXX of the present year, I was a victim of fraud ( almost the amount of {$1000.00} ) because someone duplicated my card. I have been in touch with Bank of America since XXXX XXXX, 2016. They made a mistake regarding the specific fraudulent transactions, and I had to fax them ( twice ) the corrected list after carefully reviewing and speaking with an account supervisor for almost three hours over the phone. As of today, I have spoken with numerous agents of Bank of America, including XXXX account supervisors and an account manager. The bank refuses to reimburse me the stolen funds on the basis that " it does not look like fraud. '' They said over the phone that they denied my claim because ( 1 ) the transactions happened where I live ; ( 2 ) I said I had the card with me at all times, ( 3 ) I said my boyfriend used my card in the past ; ( 4 ) the transactions happened in a period of one week ; ( 5 ) the criminal stopped using the duplicated card when it was restricted ; ( 6 ) I checked my online banking while this was happening. Regardless of the excuses the bank has used to deny my claim, I contend that I did not perform those transactions, neither anyone I know. I was a victim of fraud, and the Bank does not want to take responsibility and give me the stolen money from my debit card/checking account. I am a full time worker, and a part-time student. I struggle to pay for college and living expenses. The monies stolen from me through bank of America have caused me additional financial loss as I have had to pay for overdraft fees and the like as they left me with {$14.00}. The last thing that Bank of America told me, and that was last week, was that they denied my claim because I did not include evidence of who the criminal was along with the fax I sent them with the corrected list of fraudulent activities. I am attaching the following : - Call log to BOA from XXXX to XXXX - Employment verification letter and emails confirming exact hours of employment showing that I was in fact working when many transactions were occurring. 
- Last fax sent to BOA, which includes the confirmation of a fax previously sent to them ( which they said was never received ), a police incident report, the list of transactions with dates and times as provided by BOA Account Supervisor, and the bank statement with the transactions highlighted. 
- Mail received from BOA. 


Thank you for your attention. 

XXXX XXXX. 
XXXX XXXX XXXX XXXX
Experian was contacted by myself as well as my credit union in reference to a late payment reported in  XXXX    XXXX   on my credit report. My car loan is reported as 30 days past due. Upon discovery of my  XXXX   XXXX  dropping nearly  XXXX  points, I filed a dispute. My credit union made it very clear that I 've never been late. The creditor has even provided written documentation and requested the error be removed. I was supposed to refinance my car loan in  XXXX , and I ca n't because my score is adversely impacted by this erroneous late payment reporting.every month I 'm paying a higher APR than I have to because Experian refuses to correct the error. They 've claimed to have investigated this, but this can not be true. On  XXXX   XXXX   XXXX  .. The c reditor sent another letter asking Experian to delete the erroneously reported late payment. They still have n't to date. They also have n't corrected my previous Oklahoma student loan to report as closed due to refinance.
Credit Consulting Services has continued to attempt to collect amounts that are no longer on my credit report. They are showing that I owe a judgement from XXXX/XXXX/07. This no longer appears on my credit report either. How long can a debt collector continue to collect on old debt? I have been threaten, sued and harassed by them for over 10 years. What rights do I have to fight against them?
I requested thru AnnualCreditReport.com my yearly FREE credit report on Equifax TWICE and NEVER received my FREE Report. When I was able to get an Equifax report by paying for a service elsewhere, then several times I tried to " Dispute Equifax '' on the Equifax website. Their " Dispute Equifax '' form opened up ( XXXX XXXX XXXX ) but unless you had a 10-Digit complaint number, The website form would never connect and it would get you no-where.
We have received two ( 2 ) debt collection notices from both XXXX XXXX XXXX and XXXX XXXX for the loan # XXXX originating from Harbor One Mortgage. Harbor One needs to immediately address this issue and ensure only one debt collection company has access to our loan. 

1. Letter from Harbor One dated XX/XX/XXXX states that our loan has been transferred to XXXX XXXX XXXX. We have not received a bill from them but this would be a third ( 3 ) debt collector. 
2. Letter from XXXX XXXX XXXX dated XX/XX/XXXX states our loan has been transferred to them. We already set up our account, provided our personal information and set up auto bill. It will not let me cancel the auto payment at this time. This needs to canceled immediately. This company has our current escrow balance and is clearly getting information from Harbor One.

3. Monthly Statement and bill from XXXX XXXX XX/XX/XXXX attempting to collect on the same loan as XXXX. 


I spoke with Harbor One on XX/XX/XXXX and they confirmed that XXXX XXXX should be the only company servicing the loan. At this point our personal information and bank account information is with XXXX.
In XX/XX/XXXX, a woman named XXXX XXXX defaulted on her lease with an apartment community called XXXX XXXX. On XX/XX/XXXX, the apartment community sent the lease with her name, a copy of her drivers license, and all other pertinent information to a collection company called Hunter Warfield. Sometime in XX/XX/XXXX, Hunter Warfield contacted me, XXXX XXXX, telling me I owed money to this property. I told them that I had never lived at this property in XXXX XXXX, and they attempted to gather more information from me. I told them to find the woman named XXXX XXXX who was on the lease they kept mentioning, as my name has legally been XXXX since XX/XX/XXXX. 

Apparently they searched XXXX XXXX for anyone whose name matched this womans, and my name was formerly XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. 

I went to the apartment community, XXXX XXXX at XXXX XXXX, who sent this womans lease into collection. They showed me her lease and drivers license picture. I showed them my ID, although unneeded, as they had never met me before. The manager assured me she would call XXXX XXXX to clear up the matter. 

At some point, unbeknownst to me, XXXX XXXX placed this debt on MY credit, committing identity fraud against me. I called them this month, in XX/XX/XXXX, asking them to remove this debt from my credit. They did not want to release any information to me, as they could not pull up this womans file using my social, my drivers license number, or even my legal name. I told them because they had ruined my ability to lease a short-term apartment while I sell the home I have owned since XX/XX/XXXX, they needed to provide me with information. 

All they had was my cell phone number, which they found on XXXX XXXX. They first refused to take it off my credit, claiming they had never placed it on my credit. It was on XXXX  and XXXX, both of whom I have reported this debt to as fraud as of XX/XX/XXXX. As of today, it is cleared off XXXX, and XXXX states it will be off TransUnion by XX/XX/XXXX. However, also as of today, Hunter Warfield is again trying to contact me concerning this womans debt. 

From my conversation with Hunter Warfield, they have sent me a piece of paper asking me to file a report against this woman, XXXX XXXX ; however, she did nothing wrong. She did not steal my identity, and she did not commit fraud against me. Hunter Warfield did, and apparently will continue to do so even after I send them the documentation, as they are texting me links about this debt even today ( XX/XX/XXXX ). 

The account number they have for XXXX XXXX is XXXX. Their creditor account (? ) is XXXX. The balance XXXX XXXX ( I thought I remembered it being XXXX XXXX, so they may have changed her last name to match my maiden name on XXXX XXXX ) is {$870.00}. The company Hunter Warfield is collecting from is XXXX XXXX. 

Hunter Warfields mailing address is : XXXX XXXX XXXX XXXX XXXX, PA XXXX Their phone number is XXXX. 

I am attaching the letter of resolution from Hunter Warfield, the two bureaus, XXXX   and XXXX, that were reported from my XXXX account, as well as the dispute results from  XXXX.
Dear Equifax : I want that you take a look at this account and figure out why there're in my credit file with multiple inaccurate, errors and mising information. 
It would be great if you send me the new report detailing the deletion. 

XXXX XXXX Account number : XXXX Opened Date : Equifax XXXX Opened Date : XXXX XXXX Inaccurate Open Date must be deleted inmidiatly. 

Account status : Equifax reports : OPEN XXXX reports : CLOSED Inaccurate account status must be deleted inmediatly. 

Payment history : Equifax reports : no payments XXXX reports : charge-off Missing payments history account must be deleted inmediatly. 

Also this account obviously has been open in a period of time where I been living in a shelter since XXXX until XXXX. 
Please see attached Residency letter from shelter. 

Theres a picture of the deletion of this account from XXXX  as proof of they are using the right method of verification.
Hi, I closed my checking and saving accounts at Union bank, so I visited its branch office on XX/XX/XXXX and I closed and returned all cash from amount, accept pending transactions. I thought it was already closed properly after visiting branch office. Then I moved to XXXX from XXXX. It was the reason why I closed Union bank 's accounts ( no branch in FL ). Today, I just wanted to change my mailling address to get my last bank statement from Union bank, so I logged in website. I found my checking account is not closed and there are many transactions after I closed checking account even it was paid several times of overdraft fee! absolutely it has negative balance ... because I got all money from the account when I closed it. I was so shocked ... and I called to contact center to ask what happend on my account. They said it was opened again cause there are some of pending transaction. Ok, I can get it. but I ca n't pay for overdraft fee!!!! I requested waive all overdraft fee til my check will be arrived to pay off but they said they ca n't! How could I understand it? and actually I do n't understand all over this situation.. Who can imagine closed bank account opened again? and even I did n't get any notice or explain about this. I want to close my bank account without paying any overdraft fee. It 's not my fault. If I knew it can be opened and I should take care about balance for pending transaction, I handled and managed its balance!!!! but I closed! I closed all accounts! All done! It is so annoyed ...
I am on XXXX and my truck is financed with XXXX. This payment is being paid by XXXX insurance that was sold to me when I bought my truck. Recently the insurance company held up my payments on the truck when I was switching doctors. When XXXX received the payments to catch it up, they applied one payment ( XX/XX/XXXX ) to the loan and the credit bureau is still showing that the XX/XX/XXXX and XX/XX/XXXX payment are past due. We have no idea what XXXX did with our payment and they wo n't fix or tell the credit bureau that we are current.
I was on XXXX and successfully obtained my XXXX  and XXXX reports but the EQUIFAX report resulted in an error and returned me to the XXXX web page which " assumed '' I obtained the report and would n't let me try again. 

Given all of the media attention around the Equifax data breach, I must obtain a copy. Please help.
I got my Identity stolen, I have been reporting this over and over again. I know I did n't do some most of debt that is on my credit report. Like this one Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX And this XXXX Creditor Contact Details CREDIT PLUS XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX This XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I have never been to any of these business 's Then I told about this one months ago XXXX XXXX, XXXX Collection Agency XXXX Original Creditor XXXX XXXX RETURNED ITEM Status Open Opened Date Apr XXXX, XXXX Closed Date -- Responsibility Individual Balance {$1800.00} High Balance {$1800.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Direct Dispute This is what they say I owe, I had my bank account robbed and now they say I owe it, It was a fraud. I reported it and I still get the bad credit. There is so much that i did n't do. 
Like this one also XXXX account reported on XXXX XXXX, XXXX XXXX accounts reported on XXXX XXXX, XXXX Open Account # XXXX {$100.00} Balance XXXX HOSPITAL Original Creditor {$100.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Responsibility Placed for collection Remarks Note I have medical and I did n't do this one. 
And this one XXXX account reported on XXXX XXXX, XXXX This agency did not report an open account to this bureau. 
Open Account # XXXX {$71.00} Balance XXXX XXXX Original Creditor {$71.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility -- Remarks Note I have medical. 
All of this showed up after I was robbed. I reported it but no one listens. I do not owe these things. I hope you all will listen. 


Account # XXXX {$26.00} Balance XXXX XXXX XXXX XXXX Original Creditor {$26.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Medical Remarks I know I did n't do any of these things. Thank you XXXX XXXX.
I called Navient in XXXX of 2016 to find out if I needed to submit additional documents for the In School deferment and I was told by the associate that everything was fine there was nothing else that I needed to do. I asked her if she was sure that there is nothing else that I need to do because I received a letter stating a payment is coming due in XXXX 2016. She said I see your letter you submitted with your graduation date listed and once your school reports that you are enrolled full time for this school year it will update the in school deferment on your account and everything will be ok. 

Well I received another letter in XXXX XXXX this time it was a statement/invoice for XXXX 2016. So I called back to find out what is going on with the in school deferment. The associate said Oh I see the problem you have used your 48 months and we can not process your in school deferment. I said what? I need to speak to a manager. I told XXXX that this does n't make any sense because it was never communicated to me by phone or in writing that I only have 48 months for a in school deferment and that I have used my 12 month forbearance. I said most degrees take longer than 2 years and I have n't used a forbearance. 

She had no response for most degrees taking longer than 2 years and she said when this loan was with XXXX XXXX you used those months. I said XXXX XXXX ... they were just in trouble for their unlawful practices and were allowed to start all over again after selling off my loan and I cant start over. I told her this is not right and it has to be against law. I asked her to walk me through where I can find the disclosure of these shoddy practices online and confirm where it is documented that this disclosure was mailed to me? She said I cant because it is not online and nothing was mailed to you or included on your statement. So then I asked her how would I know that I am not eligible for a in school deferment and who in there right mind would sign up for a two year in school deferment only when we know most degrees take longer than 2 years? She did not have a response. 

I told her I was disgusted and disappointed with XXXX XXXX and Navient for these unlawful ( and unethical ) practices and that I would be filing a claim with everyone that I can. She apologized and offered to reduce the payment and said it will not be effective in time for the payment due in a few days. I said since this does not directly affect you of course you do n't care ... because you get your paycheck from them! I also said you know this is not right she just apologized again and said she would process the monthly payment reduction request.
I have been contacted by Portfolio Recovery Associates in regard to an alleged debt to XXXX XXXX of {$610.00}. I am a XXXX year old man, never been to XXXX XXXX, never had an account there and have been divorced for over 10 years. I am also on XXXX. They have sent paperwork, requesting numerous forms of private information and identification. I am not willing to provide them with this information. This is not my debt. I believe this be a fraudulent misrepresentation in order to obtain personal and private information and to extract money under false pretenses. Their phone number is XXXX.
Chase Mortgage has been carrying my loan with a missed payment from XXXX XXXX. I did miss a payment, but I made the payment on XXXX/XXXX/XXXX when I realized a payment was missing. I had no knowledge because I was in bankruptcy. I called numerous times to inquire which payment was missed. Finally, after speaking to various customer service representatives, I was told it was the XXXX XXXX payment. I then submitted a letter with copies of all the cancelled checks with an explanation as to what month it covered. As you can see check # XXXX sent on XXXX/XXXX/XXXX was for the missed XXXX XXXX payment. I even wrote it on the check. Chase did n't apply the payment even thou they sent me a letter stating the payment was applied to XXXX XXXX payment. Please note that on XXXX XXXX, XXXX, I sent in a payment, check # XXXX, for the XXXX payment. Chase refuses to bring my account current and to reverse all late payment fees and to rectify my current standing with the credit bureaus. Also please note that Chase sent me an escrow refund check for {$400.00}. Chase informed me that I mailed in a payment of {$1700.00} which was the payment due in XXXX. In XXXX the payment was {$2100.00}. Now according to their letter dated XXXX XXXX, XXXX, they were unable to backdate my XXXX XXXX payment. If this is the case, ( and I do n't agree with this ) I should only owe them {$410.00} which is the difference between my XXXX XXXX payment of {$1700.00} and my XXXX/XXXX/XXXX payment of {$2100.00}. Yet they sent me back a refund check from escrow for {$400.00}. Chase continues to harass me for {$1900.00} which includes late fees for {$240.00}. How is it possible that I made the missing payment and I still owe them {$1900.00}. Their explanation clearly shows that they took my payment and diverted the funds to somewhere. I want Chase to be held accountable for my payment made in XXXX.
I filed bankruptcy in 2009. My bank that held my mortgage at the time was not included in the bankruptcy. I did not the bank to be included. The bank claims that ... due to the fact they did not receive from my attorney a " letter of reaffirmation '' ( that my attorney claims is not mandatory in New York State to protect the consumer ) so they refuse to submit my payments to the credit bureau. I continued every month to pay on time the amount of my mortgage for 5+ years to re-establish my credit. Recently I requested my credit report to find that the bank never reported my payments! I had worked so hard to make these payments. They said they refuse to report the payments to the credit bureau due to the fact they never received this letter of reaffirmation. I was shocked! I now on my credit report have no record of all those years payments and they refuse to submit them to the credit bueau even though they accepted all those payments for 5 years and sent me a " thank you '' letter for servicing my loan when it was sold. 
It was suggested that I sent a record of payments to the credit bureau to prove the payments were not only made but that were in excellent standing. I did that and the credit bureau refuses to put these payments on my report! The records I sent them came directly from the accounting dept of the bank that claims I did not pay them! I also sent the " thank you '' letter from the bank for servicing my loan and a letter from my attorney proving the bank was not included in bankruptcy to the credit bureau and they still refuse to add my payments to my credit report claiming the information means nothing ... only what the bank said matters!! I sent them proof I made the payments! I am at a loss of what to do at this point ... ..They have ruined my credit! My report is ruined and my score is very poor due to this act by the bank and credit bureaus. Any information I can get would be so appreciated for I have to fix this. I am a senior on fixed income and without some credit it is hard to survive ... ..thank you for any help you can provide in this matter ....
I had seen my credit report and I see that they are multiple inquiries from Chase and XXXX that I do not recognize and do n't believe making so I would like them removed.