WillisBack/dataset-financial-user-claim huggingface dataset:
This communication has the purpose of submitting a formal complaint to Wells Fargo for what I consider the inappropriate handling by your part of a case regarding XXXX account that I have at that bank. I have been trying to solve this issue for 18 months now with no solution in sight. 

Let me explain my case below : In XX/XX/XXXX or XX/XX/XXXX I opened an account in Wells Fargo Bank , NA in the Office located at XXXX XXXX, Fl XXXX. 

During the second half of the year I learned that this account had been subjected to fraud. Therefore, I contacted the bank with the purpose of finding a solution for this inconvenient due to the fact that my account registered unauthorized withdrawals for the order of approximately {$2000.00} On XX/XX/XXXX received the following communication via email in which you stated that a provisional credit had been applied to my account while the investigation proceeded : Later in XX/XX/XXXX, I received confirmation that the case had been properly resolved Investigation has been completed ATM/Debit/Prepaid Card Claim Reference Number XXXX XXXX : Debit Card XXXX Thank you for your patience in the time required to review your claim. We have completed our investigation of this claim and determined that an error did occur. We have sent a letter by mail with the details of ourinvestigation. 
Despite this, the bank notified me that in order to activate my account I had to go XXXX of your agencies. 
On XX/XX/XXXX I traveled to the XXXX, specifically to Washington DC, and went to XXXX of your agencies in XXXX located at XXXX Washington DC XXXX. XXXX, XXXX XXXX XXXX XXXX Representative, was the person who took my case and guided me through the required steps to reactivate my account. 
The Representative put in me in contact with the XXXX Department. They asked me specific questions to verify my identity and then, from what I understood, XXXX received authorization to activate my account. 
For this purpose, several actions took place, among them online password changes, the request of a new debit card and a new password change. 
I went out of the bank thinking that the problem had been successfully solved and that I could use my account normally ; thus, on XX/XX/XXXX, I deposited {$5000.00} in my account. 
Then I tried to transfer that money to another account but I was n't able to. In consequence I contacted Customer Service on XX/XX/XXXX, and they notified me that my account still had transfer restrictions. 
They told me that I should make a new trip to your offices to reactivate my account which should have been done during my visit in XX/XX/XXXX. 
I ca n't travel back to the XXXX in the short term due to health issues and the fact that I live in XXXX, XXXX. Besides, the reason why I ca n't use my account normally is due to restrictions imposed by the bank ; or at least that is the information that the XXXX Department shared with me the last time I spoke with them. 
In consequence, I request your assistance in this case in order to lift the restrictions still in place in my account. 
Thanks, XXXX 
XXXX XXXX : +XXXX ; XXXX : +XXXX ; XXXX : +XXXX
I am requesting with this written notice that the following inaccurate   XXXX   XXXX   XXXX     XXXX  Days Late be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in  XXXX  Ky for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
I was added to a Wells Fargo account in 2013 and I was not the signer of a bad funds check yet I was added to   XXXX   XXXX   I should not ber liable for this account
XXXX is reporting an inaccurate payment history on my credit reports. 
XXXX and XXXX ( XXXX ) they are reporting that I was 90 and 120 days late in payment, when in reality, my account was in forbearance for several months. This is also, the case for XXXX, when I was on public assistance and having problems paying my loans. They placed me on forbearance again, but showed me delinquent XXXX-XXXX XXXX. In XXXX, I was making regular payments, on time, but was hit with lated fees, because they failed to apply my payments by my due date. As a result, they count the late charges against me, even though I was making regular payments on time. The fees were counted separately than my regular payments. The late fees shows me not making any payments for XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX. I know this was incorrect, because XXXX later refunded me these late fees as over payments, late last year. I need these these late pays removed from my credit report, asap. It is hampering my ability to secure adequate financing for a new car.
I have been fighting with Nation Star for a long time now, this company keeps giving me XXXX. I have been denied several times due to discrepancies on their behalf. I used to have a business before and they kept asking for proof of my business even though I had informed them that I had lost my business. They also denied me for not having proof of occupancy even though they had utility bills and much more under my name and property address. Moreover, this is my only property. I do not own or have any other properties. To make matters worse, I recently got denied for having negative disposable income. How can this be if I have a surplus at the end of each month. I have sent bank statements, my paystubs, and my expenses. I also got denied for a modification because according to them I did not submit enough information regarding rental income which I do not have as I live in the property myself. They also said that I had marked that my home was a rental property. How did they get this information? Again I do not even have renters or a rental property and I sure as XXXX never checked that I have rental property. When I called in to Nation Star several representatives refused to acknowledge the internal mistake. Finally, after threatening to involve my attorney general XXXX XXXX I was transferred to their escalation and was advised an internal investigation would be open on my behalf due to all discrepancies on their part. At this point I have not received anything in writing regarding my complaint with Nation Star therefore I am reaching out to you directly for help. I was supposed to receive the Clarity Commitment modification as part of the settlement from the Department of Justice from XXXX XXXX XXXX but before my modification was completed my loan was transferred to Nation Star. They were supposed to finish the modification on behalf of XXXX XXXX XXXX however that never happened. Thus me still being on the verge of being left homeless due to their incompetence. They refused to honor my modification despite providing proof I received from XXXX XXXX XXXX. Nation Star excuse was that the investor was no longer participating in the settlement. Please help me shed light to this unjust matter. I am tired of going in circles and not getting modified. Please I am begging for your assistance in this stressful matter. I do not want to lose my home. I should have been modified years ago, yet Nation Star continues to prolong my foreclosure so I end up losing my home. Thank you in advance for your assistance. I hope to hear positive news from you soon.
On XXXX XXXX 1994 I opened an IRA with Wachovia Bank ( for my retirement ) .I let the money sit and was going to add more monies to the account. However when I reached retirement age of XXXX went to withdraw y monies. By this time Wachovia had become Wells Fargo. So I approached the Wells Fargo Branch ( on Main St. ) in XXXX XXXX and was told my money was sent to unclaimed property. I contacted them and they said them I needed a date or at lest the year so that could look it up. I then went back to that Branch a few days later and was abruptly told not to come back to the Branch because they ca n't help me! So I went to the XXXX, Ga. Branch and spoke to a Personal Banker XXXX XXXX XXXX. She looked up my information and said '' Oh this happened before I came to this country so I ca n't help you '' .Now I 'm really confused as to what 's going on? When I came home I looked at my paper work again and realized that the person that had opened my account changed the numbers on my form. But was unable to change it on my benefit form. I later spoke with several organizations, and sent many letters ( see attached ). I was told that because I did n't withdraw my money within 5 years they no longer have records ( I find that hard to believe ). As I was told by a Wells Fargo correspondence specialist t hat because I did n't take it out does not give them the right to steal my money, after all IRA stands for Individual Retirement Account .I do n't understand why no one wants to acknowledge their error. I remember receiving a letter stating that maybe the money was transferred to another institution or the account was closed. That 's not and acceptable answer, since I did n't authorize for it to be removed nor did I close the account. Even worst if they 're a respectable organization why did n't they contact me of the change instead of just sweeping it under the rug?
This loan was never mine. I disputed with the credit bureaus and the lender keeps coming back verified. I have went the proper channels and now I am just fed up.
On XX/XX/2018 a fraudulent ATM Cash Advance was transacted for {$800.00}. I reported this fraudulent activity to Chase Security. They credited my account for the fee ( {$40.00} ) and the transaction amount of {$800.00}. This part of my experience was satisfying to me. The issue I have with Chase is they did not and will not apply the credit to my cash balance. This leaves me with an inflated cash balance by {$800.00}. It also forces me to pay interest at a 5 % higher rate on that same amount ( {$800.00} ). And one last item it reduces my available Cash by {$800.00}. I spent 45 minutes on the phone with Chase and ended up speaking to a Supervisor by the name of XXXX. They would not budge. They said their system does not allow for this type of adjustment. They said the credit applied is applied to ANY outstanding balance. The " voice of reason '' does not apply when it comes to Chase.
There is an account with XXXX XXXX reporting on my credit file that I have requested validation of debt directly from XXXX and the three major credit reporting agencies. The bureaus just send back responses that the information is accurate and XXXX XXXX responds with nothing more than a generic letter indicating their records are accurate and if I want copies I would have to pay a fee. I am asking for true validation of this debt that would be a copy of the initial agreement with my signature indicating I am responsible. I should not have to pay for something to prove it belongs to me or someone else.
Every XXXX, I order my FREE reports from annualcreditreport.com. I  received my free reports from all except EXPERIAN. This year they are giving me grief, for some reason.
I am actually an attorney and the misuse of my credit report when there is supposed to 100 % accuracy, 100 % verifiable information, and 100 % timely information is causing grave damage to my credit report. I have provided proof of that my name is not properly showing, and a myriad of inquiries that do not belong on my report. Please remove incorrect names, and incorrect addresses, and the erroneous reporting of my date of birth as a XXXX, which misleads anyone looking at my report to think I am either deceased or do not exist. 

The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing correction of the information within the XXXX days. 
Please remove the following inaccuracies and inquiries from my report, and update to ONLY the current information : Date of Birth is XXXX - PLEASE CORRECT THISXXXX XXXX BANK XXXX XXXX Banks XXXX XXXX Banks and XXXX XXXX XXXX XXXX BANK Banks and XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Mortgage Reporters XXXX Mortgage Reporters XXXX ADDRESS PLEASE REMOVE : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ADDRESS PLEASE REMOVE : XXXX XXXX XXXX, XXXX, XXXX XXXX MY NAME : XXXX XXXX XXXX
I have a jewelry account that is held through Wells Fargo. I have XXXX promotional balances that are currently active. XXXX is equal payments with a fixed interest rate of 9.9 % and XXXX are interest free if paid within so many months ( interest rate if not paid is 28.24 % ). I paid additional payments that I wanted to apply to the no interest balances so that they would be paid off within the promotional period. Wells Fargo applied the additional payment to the balance with the lower fixed interest rate. I called them and they refused to re-allocate the payment. This will make it impossible to pay the balances that expire within the next 10 months unless I pay XXXX payments of over {$700.00} the last 2 months prior to the promotion expiration.
Inquiry made on my report by XXXX XXXX XXXX XXXX XXXX Fl. 
This record was previously deleted. It was not authorized. No wet signature authorizing this inquiry was provided.
HUNTER WARFIELD AND XXXX APARTMENTS. I have disputed a debt because the apartment I lived in did not comply with sending me the required information and then the apartment complex changed the amount I owed from {$1600.00} to {$2400.00} for the bed bugs. I do not owe and have disputed the debt twice, but they continue to contact me AND they have reported me to a credit bureau. The last time I sent emails, letters and copies of my move out charges. The credit bureau is the final straw.
On XX/XX/2018, I submitted a request to have my first automatic mortgage payment deducted on either XX/XX/2018 or XX/XX/2018 ( attached ). 

On XX/XX/2018, I received a call from my mortgage company requesting I give them a call back. 

On XX/XX/2018, I returned the call and was asked if I wanted the autodebit to start the first or the second Friday of the month. Because it was not processed at that time, I specifically requested it be started the second Friday in XXXX. The representative states she would send an email to have this processed. 

On XX/XX/2018, I received an email from my bank stating that my mortgage company had submitted a request for an ACH transfer. 

On XX/XX/2018, I contacted my mortgage company and was told that their is nothing they can do at that time. I asked what the process was to have this resolved, and was told to call back in 24 hours and let someone else deal with it. 

I was transferred to my current servicer on XX/XX/2018. I have had payments returned because their system couldn't accept them, while getting a bill on the same day for an upcoming payment. The mortgage company/loan servicer is horrid. I can not wait until the repairs/upgrades are done on my house so I can refinance with someone else. At this point I do not care if I end up paying more in the long run, the stress this company has caused is NOT worth it.
On XXXX XXXX, 2015 morning, I received a phone call ( XXXX ) XXXX XXXX. He told me that he was an employee who works for government. He knew all my information such as my driver licence number, my address, how old I am, that made me believe that he is a government. He notified me that I was offered to get XXXX dollars due to I am on the way become XXXX and I had clean background, but I need to send him XXXX dollars for the service. On that day, he handed the phone call to another person ( XXXX XXXX ) and another phone number ( XXXX ) XXXX XXXX. XXXX told me I need to send her money by cash by XXXX within XXXX minutes. I sent her the money and also gave her my bank account number. After that she told me to wait for several times to get money. Until XXXX XXXX, 2015. I decided to close my bank account.
I received a Notice of Proposed Wage Garnishment dated XXXX XXXX, 2016. The letter indicates that I have 30 days to request hearing and/or agree to a voluntary payment arrangement equal to XXXX % of my " disposable income ''. In an effort to avoid garnishment on XX/XX/XXXX, I contacted Immediate Credit Recovery, the current servicer of the loan. I spoke with an agent, XXXX at extension XXXX. Initially I was advised that my loan did not qualify for rehabilitation. I inquired why I was eligible two months prior but not eligible now, she double checked and determined that the loan was eligible for rehabilitation. She proceeded to capture financial information ( gross pay less taxes, insurance and expenses ) and calculated a potential monthly payment amount, contingent on confirmation of the financial information provided. The proposed plan amount {$920.00}, my calculated disposable income is $ XXXX/month. I was also provided an option to settle the balance for approx. $ XXXX however am unable to settle the balance. On XX/XX/XXXX I reached out to XXXX to confirm how the proposed rehab/plan amount was calculated, she indicated that it is based on XXXX % of my AGI. She also indicated that there was another repayment plan which takes expenses into account, she referred to this as a " reasonable and affordable calculator '' however again, is not based on XXXX % of my disposable income as indicated in the letter. I asked XXXX to clarify that the option which was written in the letter, 15 % of disposable income, is not an option for repayment - she confirmed. On XXXX/XXXX/2016, I called the Dept. of Ed and spoke with someone in customer service who referred me back to Immediate Credit Recovery, Special Assistance Unit, explaining my concerns and requesting a call back. I called again on XXXX/XXXX/2016 and left message. To date, I have not received a response to either message and indicated in both that I am attempting to respond timely to avoid garnishment as indicated in the letter, action is required by XXXX. My concern is that the letter is clear, I have an option to avoid garnishment and by agreeing to repay XXXX % of my disposable income. I wish to repay XXXX % of my disposable income however Immediate Credit Recovery is not providing this as an option and is non-responsive to escalated calls. Either the US Department of Education has provided false, misleading or deceptive information in the letter dated XXXX XXXX or Immediate Credit Recovery is unwilling to honor the option written in the same communication to pursue wage garnishment which is abusive and/or deceptive.
I told them that this is not me. I have never been to this part of Florida. i have never been in an ambulance.
I have XXXX account on my experian and XXXX credit report reporting as a charge off. both reports are showing different information. I have sent over 20 plus disputes and they have yet to still correct the issues. The Account number is XXXX # XXXX. 
On Experian is shows date of removal being XX/XX/XXXX while XXXX shows XX/XX/XXXX. XX/XX/XXXX on both shows " ND '' as no data. How can this be accurate if the data is not reporting, Experian shows No data for XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX, On XX/XX/XXXX Experian is showing No data and XXXX is reporting 30 days late, Experian high balance is {$0.00} and XXXX shows {$89000.00} and XXXX never showed the credit limit. Both Reports are show many inaccuracies which is a violation of my rights. I have submitted many disputes for correction and still have yet to see the changes. If they can not fix or correctly report i ask they please remove the accounts.
DCS Financial placed a garnishment on my personal banking account without notification in the amount of {$180.00} and resulting in additional fees in the amount of {$120.00} closing out my account. Washington State law states that this amount should not be removed if under {$500.00}.
Bank america wrongly foreclosure my home XXXX XXXX, denied my making home affordable loan program, lost mitigation Va loan, knowing my home was going to sale and I needed urgent immediate help to stop sale. Bank of america used communication tactic, harassment, lied and denied about application and the paper work, also claimed loan specialist whom I was communicating with does n't exist, then called me and told me my home was to be sold XXXX XXXX XXXX yelled at me saying that i need to get my own lawyer and sold my home XXXX XXXX XXXX .Destroyed another XXXX XXXX and XXXX over 8 years .I am retired soldier fought for my country over 20 years and still working XXXX spending my own time and money XXXX XXXX i need help now.Bank of America DESTROYED my credit took my 20 years home memories and dreams now I am homeless Veteran.
Workmans comp claim paid and original company and I have provided supporting information to confirm information incorrect. Collection agency persists in verifying information to credit bureau. They have said for 6 months that they have tried to resolve but evidence shows they are verifying information to XXXX. 

I just received dispute results that confirms they are verifying this information despite knowing it is incorrect. 

XXXX is also verifying information they know to be incorrect.
Capital one does not update my bank account balance with third parties most of the time, so the banking applications I use on my smartphone do not update more than once every  5-7 days , which will show an incorrect balance when I check them.
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
To : XXXX, XXXX, Transunion. 
Re : Incoreect Personal Information. 

XX/XX/2018 I am writing to dispute the following information in my file. I have annotated incorrect information with arrow in the attached complaint, as the items that I am disputing on the attached copy of the report I received. 
My name, is not, nor ever has been XXXX XXXX, or XXXX XXXX XXXX, or XXXX XXXX XXXX, or XXXX XXXX, and I have NEVER gone by the alias. Enclosed is a copy of my current drivers license, for accurate name identification. Additional my primary place of residence has never been associated with XXXX XXXX for over 5 years that I have owned the house. I am disputing the address XXXX XXXX XXXX listed as a large drop off address it is a large commercial shopping center complex with XXXX  and XXXX, and I am not associated it the address. 
Please investigate investigate the inaccuracies, and delete the above disputed items as soon as possible. Please also send a corrected credit report to me.