WillisBack/dataset-financial-user-claim huggingface dataset:
I had originally contact Experian on XX/XX/2017 regards to numerous unknown inquiries sometime multiple and asked them to investigate or remove the inquiries the customer service rep was uncooperative and said I need to contact the companies in question. I advised them I did already reach out and also have sent letters with no responses. Experian was still unwilling to assist me and said they will not accept my dispute. inquiries : XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES
I, XXXX XXXX went to my bank ( Wells Fargo ) yesterday XXXX/XXXX/XXXX at XXXX am to make a withdrawal of {$XXXX} from the ATM # XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. My son was very late for work and after putting the ATM card in the machine and indicating the amount, he grabbed the card and drove off without taking the cash. Immediately afterward, he realized and returned to the ATM. But there was a message on the screen that said " cash retained ''. 

As such, I believed the bank would do the necessary adjustment. But that was definitely too much to consider of the bank. Two hours after I received a notice saying that my account has been overdrawn. So I then called the bank to report the matter. I was subsequently granted a claim number XXXX and was told that it will take approximately 10 to 15 days to investigate the matter.
Recently I received my amended tax return check and made a mobile deposit into my joint checking account with my spouse. They made XXXX available and put the rest of hold until the check cleared. Two days later, They put my entire account on hold, including my husband 's pay roll direct deposit. They put my entire account under fraud alert stating that my check was not a real check. After numerous calls to the IRS, the confirmed that the check was legit and that they did issue it to my spouse and I. Then for no reason at all, decided to tell me that they are no longer going to keep doing business with me, and that my husband and I would have to wait 60 days to get any of the money that was in our checking account. They refuse to allow us to have any access to any of our funds, put our account on fraud alert for no reason even after it was confirmed with the irs that it was a legit check, also refused to provide any reason as to why they were refusing to do business with me anymore, Also would not give a reason why they were closing my checking account.
I purchased a TV from XXXX. Placed payments ( XXXX ) on auto pay. When XXXX requested payment from bank, the bank rejected payments. I received a letter from XXXXSnychrony stating that since bank has not honored payments they have suspended my card, send my info to credit and collection bureau. I have made all payment. Called XXXX several times with no satisfaction. I also went to my bank, they found that XXXX has inputted the incorrect account routing number and incorrect bank account number. The routing number appears under miscellaneous information, and the account number the first XXXX numbers were cut off. Also, on XXXX/XXXX/2015 I discontinued my auto pay. Today, XXXX/XXXX/2015. I went on to XXXX site and noticed that they sent to the bank for auto pay. I did received email from XXXX on XXXX/XXXX/XXXX stating they received my request for cancelling auto pay.
I dispute many times and they never solve the issue. I call Equifax by the first week of XX/XX/XXXX and submit personal documents. They never answer. I dispute Inquirys from, XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. Also Equifax had change my name for XXXX XXXX XXXX XXXX and my name is XXXX XXXX XXXX.
First servicer went bankrupt, FDIC supposedly gave my mortgage to new service. 
I have asked numerous times in writing to verify if I owe any debt and to who. 
New servicer claims they are a creditor, however they sent me documents that I believe are not true. 
The allonges are very confusing. 
I do n't believe my payments are going to the right person.
Ive initiated several disputes with Equifax over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. below are some documents i sent to them on several occasions. It really seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX are one in the same but neither one can really help ... .... So how is it the bureau claims to have all the info nut they ca n't find me in their system ... I think me and millions of americans are being lied to by the credit reporting agencies. Hope the fines keep coming. This is ridiculous. 

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.
I applied for t he Chase  XXXX  cre dit card several months ago and met all the requirements for the bonus. I also added an authorized user, and according to the terms that same authorized user made at leas t 1 p urchase and I was supposed to get  XXXX   XXXX   XXXX  for this. I never receive these authorized user points. At first they told me I did not qualify for it and told me to add another authorized user. After they did actual research on this, they realized i did indeed have an authorized user and that he made  1 pur chase on the card and that I should be receiving the  XXXX   XXXX   XXXX  on my account by  XXXX / XXXX / 2017 . Its  XXXX / XXXX / 2017 , my statement posted and no  XXXX  points. This is super frustrating because I followed the terms completely and I am trying to book a trip this   XXXX   and I ca n't because they wont give me the  XXXX  points that I deserved according to the terms and conditions. They need to give me the  XXXX  points and figure out a way to make this up asap.
Here is the exact email I sent to Coinbase to figure out where my {$1500.00} wire transfer is. It was completed by my bank on XX/XX/17 and I have still not yet received my funds. This is unacceptable and I believe your Bureau has had to deal with this many times : Hello, My name is XXXX XXXX XXXX. I sent a wire transfer on the date of XX/XX/2017 and have not received funds in my coinable/XXXX account. The wire was sent from a bank located in the United States for {$1500.00} and should be credited to my account already. I understand that your company has been struggling to keep up with these wires transfers but I've seen on XXXX forums that international users have gotten their wires deposited into their account in a few business days. It has been too long and I want to know where my funds are. I work closely with the office of the ombudsperson at the XXXX XXXX XXXX  and do not want to take this case to the next level. It would truly be a burden for the both of us. So if you could please look into the situation as soon as possible I would be more than grateful. If not, I will have to take legal action. 

Thank you, XXXX XXXX XXXX This was the first email. Ive sent multiple emails and only get automated responses about a specialist looking into it. But no results yet and it has been over a month. Ive emailed, called, and posted to forums many times but have not yet received my funds. I am a XXXX XXXX   and that money is very important to me to survive and be able to pay for school. I need it ASAP to cover
My Paypal account was hacked on XX/XX/18 for {$1200.00}. That money was refunded and I was advised to change my password which I did. My Paypal account was hacked again on XX/XX/18 for {$1800.00}. I contacted Paypal and they agreed that the action was unauthorized and I would get my money back. They have locked my account so no more money can be taken. However, since the account is locked, I can not access it to get my money transferred back to my bank account.
I opened a dispute XX/XX/XXXX with Experian and requested deletion of a collection account because it was illegally reporting. I informed EX and provided evidence that the collection company received my timely response to the dunning letter in which I disputed and asked for validation of the debt they were claiming. The CA was not showing on my credit file XX/XX/XXXX,  the day they signed the CMRR. The CA ignored my validation request but instead, on XX/XX/XXXX, violated FDCPA laws by placing a new listing on my Experian credit file with remarks stating " dispute investigation complete-consumer disagrees ; >placed for collection ''. The law is clear that the collection agency was to cease all collection activity until they responded to my request. The mere placing of the account on my report was illegal because it constituted collection activity. The comments in the " remarks '' field was also a FDCPA violation and does not meet FCRA requirements as stated on my file ; the verbiage in that field is reserved only for an existing collection account when the consumer has not timely requested validation. Placing the comments in that field was a violation because it was a newly added tradeline and furthermore, there was no completed investigation for me to disagree with because the CA ignored my demand letter. 

Additionally, I informed EX that I spoke with the company that the collection agency lists as the original creditor and was informed that there was no account in my name that was in collections. I have evidence to support. 

Experian delivered results of my dispute in 3 DAYS, on XX/XX/XXXX claiming that the data furnisher certified that all the information is accurate and the account remains unchanged. I have every reason to believe there was no investigation. 

At this point, EX has violated my rights under FCRA because it is illegally reporting inaccurate information. The fields showing original amount owed and recent balance are false. The implication that I paid the collection agency {$50.00} is false, the date of last payment is false. I provided Experian with copies of the signed CMRR and the letter to the collection agency requesting validation.
There is no recording of my bank account for the beging opening XXXX XXXX at the end of the night XXXX I depsit XXXX at the XXXX branch somthing was wrong the ATM rate my XXXX. For XXXX the a button. ask did I wont my money back I pushed yes they gave me back XXXX I told the banker about the problem I was not clear on what he told me but he did n't. reimburse me I started. Putting. Money in the bank at night at the end of Ice Cream XXXX day {$100.00}. {$80.00} {$100.00} {$90.00} {$150.00} XXXX The {$40.00} dollars that was pending I didnt get The debit card I had only had XXXX dollars and I could not use It only my card keep decline. Every day XXXX next day XXXX next XXXX It stop at XXXX dollars I needed gas so I use it thay have no record of my account. Only XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I did a lot of banking at XXXX XXXX The bank gave me {$170.00} dollars now the bank is asking for it back there more transactions at the west end branch
XXXX XXXX XXXX makes it virtually impossible to cancel membership. They require you to call this number : XXXX - then they tell you to hold for 2 hours! How is this legal? You can sign up online - but you cant cancel your membership online.
I spoke with a representative from Account Contol Technology in reference to my federal student loan. The amount I owed initially was {$1700.00}. I agreed to take a settlement amount of {$1200.00} on XX/XX/XXXX the agreement stated I had until XX/XX/2018 to pay the agreed upon amount. The following month my wages were garnished and have been since XX/XX/XXXX. I contacted my employer and was advised the amount to be garnished ( based on the paperwork received by Account Contol technologies ) was actually the full amount. I have since satisfied the agreed up amount and Account Control Texhnologies is refusing to issue a stop pay.
I purchased a {$700.00}  CD f rom  XXXX   XXXX    XXXX   XXXX   XXXX   in  XXXX , which was to automatically renew, and opened a safety deposit box. I got sick and did n't turn in the CD and now find out that the bank was taken over by several banks that eventually beca me Wells Fargo in   XXXX . I need to collect my CD and find the contents of my safety deposit box. My son is still alive, but my husband has passed away. I have the original CD and my keys.
In the process of closing on my co-op and my mortgage company, XXXX XXXX XXXX, states the stock and lease is with an investor and should take up to 4 weeks to retrieve the documents. As of XX/XX/XXXX, it will be 4 weeks from the date they were ordered ( XX/XX/XXXX ) to procure them. As of yesterday, XX/XX/XXXX, my attorney states shes been calling and emailing the banks attorney and has not received any contact back. They know we are up against a clock and will be in breach of contract as of XX/XX/XXXX. As of right now, looks like Ill lose the sale of my co-op due to lost documents that are out of my control.
I had been making many payments towards this loan throughout a month rather than a single payment. I was not made clear on how the money paid was distributed between the interest and the principle for the loan, although I had initially understood these were " principle only '' payments. 

The real issue occurred when without ANY communication from Wells Fargo, the payments I 'd made began being unapplied ( and not credited back to my checking from where they had been transferred. ) After multiple phone calls with the bank, I was unable to get any answers as to why they were doing this to the account. No one, even the XXXX different managers I had spoken to at different times, could explain anything other than that the account was under maintenance and to check back in a few days after the system " refreshed ''. Nothing would get fixed and I would call again, spend hours on the phone etc. 

I was never clear as to why or what this department was doing when they were unapplying my payments. They have since reapplied them in some manner that I did n't make sense of. I paid off the remainder of the loan asap after that, but will never be clear as to whether I was charged interest for the time period that my balance reflected considerably more that was owed. I also believe this will possibly affect my credit score as it showed the account as delinquent for over 30 days ( when I was significantly AHEAD of the payment schedule ). 

I am concerned that Wells Fargo has the authority ( or the audacity ) to move a customer 's money around without permission, explanation, or purpose ... especially without communicating with their customer. I am led to believe that this incident was done to benefit Wells Fargo, or a Wells Fargo employee.
I use XXXX XXXXvand have a Wells Fargo account and Wells Fargo is n't sending updated transactions to XXXX XXXX and it 's keeping me from accessing the money.
i disputed this account several times even sent them documentation stating that the debt was not mine, someone forge my signature on a document stating that I owe this money, I never sign any documents and the signature is lapsing over another signature. When I talk to the credit bureau they where really rude about it and will not dispute the item for me anymore. The amount showing I owe is for XXXX and XXXX for XXXX I am not pleased how my situation has been handle at all.
Signed up for XXXX XXXX XXXX service on XXXX/XXXX/15, activated account on XXXX/XXXX/15. Cancelled my service on XXXX/XXXX/15 after receiving XXXX bill with a service I did not agree to. Cancellation was approved by their retention center ( after buyers remorse period ) due to the misrepresentation of the service agreement and assured me no balance will be owed once the device was received by their warehouse. I returned the device on XXXX/XXXX/15 using their provided return label by a third party shipping service Newgisitics via XXXX. I called back to check on the status of the return of the device more then XXXX different times, XXXX XXXX XXXX reps responded that the tracking could not be located to " call back ''. Finally on my XXXX attempt on XXXX/XXXX/15, over a little 30 days from the cancellation date of XXXX/XXXX/15 I was recommended to open a " case ticket '' to track and locate the device. I was assured by the rep at this time, that the account would be suppressed due to this issue and that no collections would be attempted. On XXXX/XXXX/15 I began to receive daily calls by a XXXX number with no message left, I finally decided to call back on XXXX/XXXX/15 and it was GateStone, a third party collection agency hired by XXXX XXXX XXXX XXXX collect a debt. I notified them about the " case '' of the missing device and the Gate stone rep was kind enough to suppress the account till XXXX XXXX XXXX recalls the debt from them which I was told could be done immediately. I then called back XXXX XXXX XXXX on XXXX/XXXX/15 livid at the situation as they assured my account is suppressed till case had been cleared. I was told I would get a call back about the situation. After a few days and no call, I called XXXX XXXX XXXX back on XXXX/XXXX/15. The XXXX XXXX XXXX rep reviewed notes and stated the " case by investigation team '' noted the account on XXXX/XXXX/15 that the phone was located in their warehouse on XXXX/XXXX/15 and that a full credit and refund would be administered in XXXX billing cycles. Yet, they could not recall my account from a third party due to closing and paying out my account to the third party collection agency and now the debt is owed to Gatestone. I conferenced Gatestone and the At XXXX XXXX rep to relay the status on the account that a refund will be placed, account is now at zero but the payment must still be made to them direct from me. YET, after having reported the device was received and in good working condition, they still sent my account to a third party collection agency. I do n't understand why XXXX XXXX XXXX refuses to recall the account from the collection agency rather have me pay them direct for a debt I I never owed!
Freedom Mortgage sent me a check for an escrow overage of ~ {$400.00} in XXXX. In XXXX, they told me my escrow account was short {$190.00} and I had to send them that immediately, but my payment would also be increasing to cover larger escrow in the future. Why did n't they calculate future escrow at the time of the refund, keep the money and keep my payment the same?
my mortgage servicer   XXXX   paid my home taxes without my knowledge in  XXXX  i do not have escrows and always pay my own home taxes and insurance. several months after the incident i realized my credit posted a negative delinquent status from  XXXX  even thou i had continuously made principal and interest payments as scheduled and never missed a single payment. the negative delinquent status came from   XXXX    automatically enrolling me in forced escrow.  XXXX  took it upon them selves to increase my dues to cover escrow without notifying me. when i realized  XXXX  had paid my taxes on my behalf i immediately reimbursed   XXXX   the full 100 % plus penalty for my taxes and requested to be taken off forced escrow and asked to submit a correction, reversal, or letter of clearance on the negative information on my credit.   XXXX    readjusted my account to show  XXXX  escrow balance but never correct my credit. the next year  XXXX   XXXX  paid my taxes again this time before they were even due, even if i was no longer on " forced escrow ''. again several months go by and i find negative delinquent status for  XXXX  and some for  XXXX  again i immediately reimburse   XXXX   the full 100 % tax paid amount. again i ask to please permanently remove my account from forced escrow so this incident does not continue to happen and to correct all of my credit reports for  XXXX  i have come to a roadblock in trying to come to an agreement with  XXXX . the money i paid during " forced escrow '' time frame seems to have disappeared in my account. i will post P & I monthly bank statements and the tax reimbursement payments from my back account. i need   XXXX   to realize they paid my taxes and i reimbursed them 100 % as asked from  XXXX  ( reflected as  XXXX   ) th e money " held in escrow '' should have been reflected as P & I and my credit needs to be corrected.
Debt collector called me threats to send me to jail never states the call recording or the fact she is a debt collector. Told me I had my end of week or police and state will prosecute me.
My XXXX XXXX contract number : XXXX The gym, XXXX XXXX, continued to charge my credit card after hurricane Mara hit XXXX XXXX on XX/XX/XXXX ; a hurricane category 4 that caused widespread destruction and left the island without electricity. After the gym reopened in XXXX they stopped charging my credit card, causing my account to be delinquent. The credit card company had not blocked the charges ; XXXX just stopped charging my account and eventually referred me to a collection agency. 
It seems that indeed I was wrongfully reported to the credit agencies because even though on XX/XX/18 I made the payment for the months that XXXX said I owed, I received calls from the collection agency on XX/XX/XXXX and XX/XX/XXXX. On those 2 occasions I informed the person that I did not owe anything to XXXX and, after checking, they admitted that I was right. On XX/XX/XXXX I received 2 calls from that agency ; the first one was to check if I was at home because I was going to receive a subpoena to seize assets for the outstanding balance with XXXX, and the second one was to say that they made a mistake. On that call I forbid them to ever call me again. 
On XX/XX/XXXX I sent an email asking for the name and address of their collection agency. I am still waiting for the information. 
On XX/XX/XXXX, my lawyer sent XXXX management a letter via email requesting the same information reply has been received. 
Included below are : the contract with XXXX, the emails relating to requests of information, and the ones that indicate the name and postal address of the gym and the telephone number of XXXX XXXX XXXX.