WillisBack/dataset-financial-user-claim huggingface dataset:
I used XXXX through my Wells Fargo account to pay a person with an account at XXXX XXXX. This person using their XXXX account committed fraud and stole {$200.00} from me. 

My complaint is against Wells Fargo, XXXX and XXXX XXXX. Wells Fargo and XXXX own XXXX. 

My case is EXACTLY as those described in the recent XXXX XXXX article on XXXX and their significant issues with fraud. XXXX  : XXXX On the night of XX/XX/2018, I sent money to a person advertising concert tickets on XXXX. I paid them {$200.00} through XXXX on the Wells Fargo website. The person I paid had a XXXX account linked to their XXXX account. The tickets were counterfeit. 

I immediately called Wells Fargo. The Wells Fargo website listed the transaction as " Pending. '' The Wells Fargo representative said that is incorrect ; the transaction was instant and nothing can be done. The WF representative then told me the XXXX account which had committed the fraud was linked to a XXXX XXXX account. The email associated with the XXXX account at XXXX is XXXX I have called Wells Fargo, XXXX and XXXX. They refuse to explore or investigate this case of fraud. Wells Fargo and XXXX say it is XXXX 's responsibility, XXXX says it is the bank 's. The joke is the banks own XXXX. None of them have any interest in resolving this issue. NONE OF THE COMPANIES HAVE A MEANS TO FILE A DISPUTE, COMPLAINT OR FRAUD. How can that be? 

XXXX and it's owners, Wells Fargo and XXXX have repeatedly told the press they will do everything they can to help reduce this significant fraud problem. Yet all three have systematic procedures that prevent just that. 

XXXX XXXX XXXX XXXX XXXX
Debt Credit Services has only contacted me once about a XXXX XXXX bill that was closed by XXXX XXXX seven years ago. They contacted me only once by phone. The representative that I spoke with was very rude, and told me that I had to pay the {$690.00} that day. When I tried to explain to the representative that the amount was incorrect : I had moved out of an old apartment years ago, that the name was never properly changed by XXXX XXXX when I moved out and that they had charged me for several months instead of the property owner, while I was n't even living there. I offered to pay the amount that I had owed when I moved out, which was {$360.00}. The representative refused, and told me I had to come up with the full amount by the end of the month or they were going to sue me and garnish my wages! She scared me into telling her that I would call back to make arrangements for payments. I requested a bill outlining the amount owed, and she said it would be mailed to me. Since I have not received anything in writing, I did not arrange to make any payments. I never received a paper bill outlining the amount owed and for when. The XXXX XXXX account was closed seven years ago. When I have made attempts to call the Debt Credit Services to request a paper bill again, I either get a message saying the office is closed, or I have to leave a message. I have not received any calls back, nor have I received anything in writing.
I 've contacted this company twice since XXXX to provide me with proof that this account is in fact mine, which it is not. They have not provided me any proof and they are reporting negative information on all XXXX of my credit reports.
In XX/XX/2017 I received a statement saying that I owed over {$1800.00} and new that I didn't have anything charged on the account so I contacted XXXX XXXX. They said that they could tell it wasn't mine and that someone got my account number. They had me send in a statement of fraud. All was settled and nothing more came of it. They closed the account and asked if I wanted a new account and I said no.
My account with Bank America was closed in XX/XX/XXXX and I have a Credit balance which still has not been paid back to since then. It is over 45 days since the account was officially closed I get statements still showing a credit balance
i am filing this complaint because experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. 
being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to '' ... promptly delete all information which can not be verified. " that i have disputed.Please resolve this manner as soon as possible. Thank you
United Security Financial Corp continues to call us XXXX and XXXX times a day re guarding our mortgage. They also keep calling up at XXXX when we 've told them XXXX times we live in California. 
We 've asked them to stop called so frequently as we are getting together the paperwork requested.
Nationstar Mortgage LLC - unlawful foreclosure auction of Consumer XXXX home - subject to FEDERAL CRIME! Please see attached. Exhibits will be faxed shortly. 

Thank you for upholding Consumer Protection Laws as you investigate Nationstar Mortgage LLC.
Common Wealth finance is trying to collect {$420.00} from me, but i never received a notice, nor recall owing that money to any collector. I 've made multiple attempts to contact that company, but I have yet to successfully speak to someone.
I have tried several times reaching out to XXXX XXXX in regards to a debt I do not owe. They are not abiding by the law and have disregarded all interaction with this consumers. I have filed a Better Business Bureau complaint, FTC complaint against XXXX XXXX   for trying to collect on a debt that was paid by them to the oringinal creditor. There is nothing in the oringinal creditor lease agreement saids I have to pay XXXX XXXX a dime and I would like this alledge debt remove from all three credit bureaus. If this matter is not settle I am willing to proceed of filing a complaint against XXXX XXXX with the Attorney General office and start a class action lawsuit. All I want is for this alledge debt to be remove from all three credit bureaus. Hunter Warfield has no ground in the state of NC and I will not be bullied and harass about a debt I do not owe. Like I said before I do not have a contract with XXXX XXXX XXXX they need to send the agreement back to the oringinal creditor will not pay an alledge debt that has already been paid. I have asked several times for validation and XXXX XXXX did not provide all recommend documentation that was requested therefore this alledge debt needs to be remove it has been going on 45 days since I have asked for validation and this is unprofessional.
It is on account twice with XXXX different amounts. The lower amount is correct due to me returning the equipment to XXXX.
On XXXX/XXXX/15 I received an email that my account was overdrawn. When I opened up my account, I had XXXX {$36.00} overdraft fees. I immediately started reviewing the account and could not find where it was overdrawn. I contacted PNC Bank to inquire about the fees. In the chat with the representative XXXX, it was stated that the check I deposited was n't cleared until XX/XX/XXXX. On the online tool that they provide it clearly states that my check was cleared on XX/XX/XXXX and all of the transactions were posted after the check was cleared. The representative said that the check was not cleared until XX/XX/XXXX. PNC bank provides this tool for consumers to to keep track of their spending, but are now telling me that it is not accurate. I have attached a copy of my transcript, a screenshot of the transactions which do not show my account in the negative, and a previous overdraft which does show my account in the negative. If the tool is inaccurate, then it should not be made available to the consumers.
After obtaining a copy of my credit report I noticed multiple unauthorized inquiries from the same company all around the same date. There are  XXXX   XXXX   XXXX   Inquires  for 3 days in a row that I did not authorize. The  XXXX  I am disputing is   XX/XX/XXXX     and  XX/XX/XXXX   . I 'm not sure why this creditor ran my credit multiple times. The next is  XXXX  inquiries for  XXXX   XXXX . The other  XXXX  is for  XXXX  and  XXXX  I am not sure who or what these companies are.     On  XXXX  there are  XXXX  inquiries per creditor. I did not authorize  XXXX   XXXX  to run my credit on   XX/XX/XXXX     or  XXXX  on   XXXX   XXXX   I am not sure how these creditors got my information. I called the credit bureaus and was told to contact the creditors directly, I did so and I was informed to contact the bureaus. I sent the creditors certified letters and not one of them has responded but  XXXX   XXXX  for the  XXXX  inquiry  XX/XX/XXXX   .     The credit bureau proclaims to have verified I authorized these accounts, I asked them to provide me with the information they used to validate these accounts but my request have went ignored.
To whom it may concern, I writing this letter to dispute the inaccurate reporting on my credit report from XXXX XXXX XXXX ( XXXX XXXX ). According to my report # XXXX from XXXX, pages 9-15 ( see attached ), there are consistent updates indicating that my account was in an ok status ( as in paid ) between the years of XX/XX/XXXXthrough XX/XX/XXXX always around the same time of year, between XX/XX/XXXX and the beginning of the following year. The items are also on my Equifax bureau reported the exact same way. These items have already been updated and dropped from my XXXX  bureau. 

The reason this creates a challenge for me, is because XX/XX/XXXX I was diagnosed with a XXXX XXXX condition called XXXX and less than one year later XX/XX/XXXX, I woke up XXXX in my XXXX XXXX because my XXXX XXXX  overnight. Two weeks later, the same thing happen to my XXXX XXXX, woke to a XXXX XXXX. About a month or so later, I was diagnosed as legally XXXX and XXXX. At the time I went XXXX, I was enrolled in school and had to drop out due to my condition. In XX/XX/XXXX, I had my first XXXX XXXX  XXXX and the second one in XX/XX/XXXX. During these years my family suffered a great hardship due to the lack of income as you can probably imagine and I was unable to make payments on my loans during that time. I currently still have XXXX in my XXXX and will continue to take XXXX and XXXX  XXXX in my XXXX for the rest of my life. 

So, its hard for me to imagine where I would have came up with the money to make one small payment on one loan, let along 12 payments across all the loans spread out every year near or around the exact same time, for a span 2 to 4 months, consistently. Considering I wasn't cleared to return to work until the beginning of XX/XX/XXXX and didn't actually find a job until XX/XX/XXXX. 

I understand the law says if you have an account in collections, it will usually remain on your credit report for seven years plus 180 days from the date the account first became past due and never was brought current. However, this reporting appears to be an abuse of this very law. By this being reported as current at times when there was no way I could even pay, this will end up on my credit for another 4 years and at that time, this will have been on my credit for more than 10 years. This appears to be deliberate attempt to extend or reset the seven year plus 180 days rule for automatic removal from my credit, which in turns hurts me and my family even longer after going through a critical 5 year span in this decade already. 

I have gone through student loan consolidation, Im currently out of default and making normal payments on time. My wife and I have XXXX kids in college now and these closed collection accounts are negatively impacting my credit scores, thus prohibiting us from recovering and moving on with our life, supporting our children through college and qualifying for a mortgage. These items are reported are absolutely false and need to be removed.
Bonneville Collections is collection on a bill they say I owe to a dental company i have never been to, in addition this XXXX company has sent me bill for other people and then a bill for me showing a XXXX balance. They bought this " debt '' from another XXXX and mixed up patient ledgers and do n't know what patient had what work done, but because I have a similar name to one of their patients sent me the bill. They refuse to send me original patient ledgers for this " XXXX '' they keep sending me ledgers from the XXXX office who I have never been too. I have also sent this collection company a letter to not call me by phone and they called me today XXXX/XXXX/2015 from phone # XXXX. They refuse to provide me with original ledgers from my real XXXX showing what work was really done in my mouth and keep sending me a fake ledger from another XXXX office i have never been too.
Hi, Chase made a new policy about printing bank statements. I went to my local branch in XXXX XXXX ( though I believe it is now a company policy ), and they claimed that they will charge me {$6.00} for a monthly statement printout. I believe this is unfair, both the amount charged and the fact that they are willing to charge this amount. I am basically requesting a printout of a receipt for which they are charging me .... This is especially vexing as it is not a closed transaction. What I mean is that my bank account is always active, vs. a transaction at a store. I would like something to be done about this.
I was provided a new replacement credit card by my financial institution because the account information had been compromised. However, to my shock, they are still permitting the existing vendors ( with my old credit card information ) to continue charging me. When I asked them how the vendor got my new credit card information, the financial institution said that they provided the new account information to the vendors to make it convenient for the existing vendors with recurring charges to continue charging me. 

I said, does n't it defeat the purpose of providing the new credit card? They said, this is the bank policy. 

In this case, the financial institution is more concerned about the vendor than the consumer. 

They should be forced to change their policy.
On XXXX XXXX 2017 my card was declined at XXXX XXXX. My account had well over {$200.00} in it. I phoned Bank of America to find out why my card had declined. The rep from Bank of America went over the transactions. I explained to the rep ( 4 ) of the charges were not mine. XXXX {$150.00} & {$76.00} and XXXX XXXX and XXXX charges all made on XXXX XXXX. I filed an online report with the XXXX City Police Department as well. XXXX responded two day later stating that I had to file a XXXX Co report where the charges took place.XXXX Co. referred me back to XXXX City because of the complaint against XXXX XXXX. I called back to the police department after Bank of America 's decision and I was told the report had to be place in person and not on site. Just a heads up - I used my card at XXXX XXXX drive thru on XXXX XXXX. The young lady held my card a little longer than normal in the drive thru. That Tuesday when I revisit XXXX 's the same young lady was fried on XXXX XXXX. For the same issue reported as mine. The problem is 1 ). I called Bank of America to dispute the charges immediately.On XXXX XXXX a rep from Bank of America called asking me about a statement I made in reference to the card being out of my possession. I explained if passing my card through the drive thru was out of my possession then I would have to say yes. By the end of the week I received a letter stating the claim had been closed. 2 ). I filed two police reports one online XXXX and one in person on XX/XX/2017. 3 ). Bank of America not once sent me or allowed me to fill out a claim form on paper. 4 ).  Bank of America automatically concluded that I made these changes with no explanation except no error was made and these charges were authorized basically calling me a liar. I followed what I thought was the right protocol. I 'm having a tough time with Bank of America, XXXX XXXX and even the police department. How could they possible come to a conclusion with no real facts? Please help.
I received a letter from my Bank today XXXX/XXXX/15 that Johnson Mark LLC of XXXX Ut. is requesting my XXXX Bank records. I have never received any contact from them via ph/email or post. The letter from my bank states I need to obtain professional assistance to stop my Banking info being supplied on XXXX/XXXX/15 to this Johnson Mark LLC which I found out is a collection agency. As stated earlier I 've never received any notice or contact from these people before. 
I need to stop them from obtaining my Bank accts.
I just want keybank to partner with the new app called XXXX. I think it a really convenient application .i would really appreciate it if we could use this application
There are two credit inquires on my report that are fraudulent and do not belong on my credit report and I want them removed. 
XXXX credit inquiry XXXX credit inquiry please remove and update my score. I'm not sure why everytime my credit score goes up your company false reports and brings my score down I am XXXX and this is crippling me as I have tried endlessly to put a end to someone using my name and social.
My past credit disputes and results have been reported with error after error with XXXX, US DEPT OF EDUCATION, and XXXX XXXX XXXX. This ranging from XX/XX/2004 to current. 

XXXX and US Department of EDUCATION have each loan account on my credit report 2 to 3 times each. Due to some " old '' and incorrect reporting of accounts and not properly reporting and or removing these accounts off my credit report. After disputing 3 times and making several phone calls I need a proper investigation with account amounts and dates from a higher source. 

XXXX XXXX  XXXX XXXX XXXX has also been improperly reporting dates and amounts after disputing 2 or 3 times also reporting all student loans as 1 big loan which is incorrect and some or all due to abuse of laws should result in deletion.
XXXX XXXX and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. This is simply not true. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$5300.00}. I don't owe anything.
On XX/XX/XXXX my account was reported as Delinquent in error, I called capitalone and they removed the status from my account.
I had to paid XXXX XXXX XXXX and open a new account I had a {$57.00} balance on my account with XXXX XXXX XXXX ; I had XXXX XXXX XXXX for about two years ago. I had stopped the service for a while and then started back up, but they said I needed to pay the {$57.00}. I paid it directly to XXXX XXXX XXXX, but I was still getting notices from I.C. System Inc. saying that I owed this amount. This information was removed from XXXX, but not from XXXX.
XXXX XXXX, FL XXXX Equifax XXXX, GA XXXX XXXX XXXX, Texas XXXX XXXX, XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX, FL XXXX
Hello, I received an email from Wells Fargo informing me not to pay for 90 days and that those payments will be adjusted somehow. Here is the email ; Dear XXXX XXXX : Were here to help. 
Were reaching out because you are potentially located in a FEMA declared disaster area. Hurricane Irma left extensive damage in your community. Our thoughts are with you and all of those impacted.  Were you impacted by Hurricane Irma?

If you arent able to make your normal payment, we have taken proactive steps for customers in FEMA declared areas by placing a 90-day payment relief period on accounts to assist. This includes : We will not assess late charges. 
We will not report any negative information to the consumer reporting agencies. 
We will work together over the next 90 days to discuss options available on repaying any payments missed during the 90 days as there are many options depending on each individual situation. 
We encourage you to continue to make your payments if you are able. 
Sincerely, XXXX XXXX Senior Vice President, Customer Service Wells Fargo Home Mortgage Then I received a letter saying that XXXX XXXX was actually my lender and Wells Fargo is just a servicer, and payment is due to be current which was {$2800.00} on XX/XX/2017 or I would be in FORECLOSURE. Each mo. is XXXX, and the next mo. was due in 3 weeks. I made the payment after selling many items and it completely wiped me out financially. Since then I have been late in XX/XX/XXXX & XX/XX/XXXX w/fees and it has been reported to creditors. Even one of my credit cards was deducted b/c of my credit report from XXXX to XXXX caused by Wells Fargo. I have emailed them about this problem and they say to call, but then when I do the department that handles certain situations are always closed. BTW, I am currently up to date on my payments, but with a leaking roof, flooded walls and floors, and destroyed fencing. 

Thank you, XXXX XXXX
In XX/XX/2011 i purchased a vehicle only to find out the dealership XXXX Georgia lied. I was in Bankruptcy at the time. The sales manager advised that their dealership could sell cars to this in bankruptcy without going to the courts. After a short time speaking with my bankruptcy attorney i wanted to change filing, I disclosed the car. I was told i needed to get court permission i called the dealership they did not help. I told the general manager how the ssked manager stated i needed to pay my down payment in cash. I gave her XXXX i just checked my credit and the loan company has it that the transaction took place last year. I should be removed off my credit. XXXX is the company the collection company us second round in XXXX Texas