WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo reached out to me about refinancing my mortgage in XX/XX/XXXX. At the time I was considering using my financial planner to help me with a loan. However the Wells woman confined me to go with them. I provided financial information to them in XX/XX/XXXX. They gave me a guaranteed rate through the end of XX/XX/XXXX. Interest rates then went up, so it is a very attractive rate. SInce then they have been stonewalling me, finding all sorts of excuses to delay the closing date. It appears to me that they would like to get out of their obligation so keep losing paper work, sending corrupt files to the underwriters, not telling me that some of the financials they have are dated until it is too late. This loan is less that 10 % of my net worth, the loan to value is 59 %, I have a nearly perfect credit score, and my investment income alone covers my interest costs. At this point no one at Wells is returning my real estate lawyers calls or my calls. It is two weeks away from XX/XX/XXXX, they know I will be out of the country from XX/XX/XXXX-XX/XX/XXXX and are now avoiding me. This is outrageous behavior.
I have a capital one business credit card. I paid the balance off in XX/XX/XXXX to a XXXX balance .I did not receive a statement from capital one. I checked my credit in XX/XX/XXXX and discovered that capital one reported a 60 day late charge. On XX/XX/XXXX I called capital one. I was told that since my email was not opened from them regarding statements they discontinued sending paperless statements .They wo n't send a statement in the mail if I signed up for paperless. I advised them I have not been late on a payment before and if I am not informed of a balance by statement the bill will go unpaid. The charge was a revolving $ XXXX daycare that should have been discontinued. Due to not receiving a invoice paperless and it not defaulting to the mail I was not aware of a balance and it dinged my credit XXXX points and more than {$250.00} in late fees. I spoke to a rep and a supervisor and account manager and was told by Capital one they do n't send an invoice if the email goes unopened for a period of time. I asked them why they would not call me or send it the mail and They could not provide me an answer.
Wells Fargo line of credit and credit card is appearing on my credit report. Both accounts are paid off and effecting my credit negatively.
The bank charged me an overdraft fee for an item posted on XX/XX/XXXX. 
My ending posted balance on XX/XX/XXXX was + XXXX. 
On XX/XX/XXXX the bank charged me XXXX overdraft fee for a posted transaction on XX/XX/XXXX for XXXX. 

My issue is that if I have ending positive balance on XX/XX/XXXX why would I be charged an overdraft fee. 

Ive been with Wells Fargo since XXXX and they have never in the past acted this way and when I asked if something change, they have not. 
I find it very hard to believe that in 28 years that I have gotten away with not getting charged overdraft fee. 
Attached is email after I made a deposit on XX/XX/XXXX at XXXX PT. 

Thanks XXXX XXXX
I shared an account with a XXXX who is a friend of mine on a cable/internet account with XXXX. I left the residence and the account remained open for mea friend. After he closed it, they apparently did n't receive their equipment back so they issues a collection in my name since my roommate moved back to XXXX and is unreachable. 

I have been trying to pay it as basically a nuisance fee because it 's impacting my credit score. I am currently trying to buy a house in my community but my loan is impacted by this issue. I spent more than an hour and half on the phone with them today being transferred more than 5 times. Most recently I have not even had a customer service representative on the phone for at least half an hour. 

I want to pay the debt, though I want a guarantee that they 'll issue a correction and a letter of deletion but I ca n't even get someone on the phone. 

I find it incredible that they can impact my credit score and thus my ability to take out a loan but wo n't answer a call to accept payment.
X/X/17- Equifax was hacked, I went to equifaxsecurity2017.com and recieved the following message " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I have put a 90 day fraud alert on my credit file with all three bureaus.
I received a call from my grandmother saying that a man called her threatening her if she did not give them my phone number for a debt collection. When I called them back they would not provide me with any written information about the supposed debt I owed. When I asked questions they said I should get a lawyer and that they are recommending to their client to take further action in court. Then another voicemail was left saying that if I did n't resolve this matter by  XXXX  the next day they would have no choice but to sue me.
I leased a XXXX XXXX XXXX in the fall of XXXX in XXXX TX. XXXX dealership financed the deal through Chase. When I leased the car, I signed an Affidavit ( form XXXX ) stating that I would not use it for business purposes and the dealership later confirmed that they submitted the affidavit on time to the bank. In XXXX County, Texas, citizens who lease vehicles and sign Affidavits are not subject to property taxes this is confirmed by both XXXX County Tax Office and XXXX County Appraisal District ( XXXX ). 

In XXXX, I received a letter from Chase stating that I owe property tax for the year of XXXX in the amount of USD XXXX on a leased vehicle that Chase has already paid to XXXX through the XXXX County Tax Office ( XXXX XXXX ). I contacted Chase, explained that they had a signed Affidavit in place, and Chase bank admitted that they paid taxes in error and that they would request a refund and that I did not need to worry about anything. I thought the matter was settled at that time as I received a letter in XXXX stating that Chase " refunded the amount back to my account. '' In XX/XX/XXXX, I received another letter from Chase stating that I owe property tax for the same car for the year of XXXX in the amount of USD XXXX. Note that I did NOT have the car in XXXX, I traded it in for another XXXX in XX/XX/XXXX. Not to mention that even if I did have the car, the fact that there was an Affidavit on file should have placed me in a TAX-EXEMPT CATEGORY. 

On XX/XX/XXXX I called XXXX and asked them to look up the VIN # s to see what is being reported to them. As it turns out, Chase has consistently reported my cars ( previous one and current one ) as TAXABLE instead of EXEMPT even though they had valid signed Affidavits on file. They reported WRONG information to the XXXX, which resulted in tax bills, payments by Chase, then letters to me with payment demands and threats to report me to the credit agencies. 

Chase Customer Service continues to claim that I AM REQUIRED to PAY the amount they paid to the Tax Office. And that I will be reimbursed once Chase files a correction and receives their money back. Why am I being asked to pay for anything in this case? I am tax exempt! XXXX office states it can take months for them to process a correction and issue a refund. Furthermore, Chase customer service says that if I dont pay they will report me to the credit agencies BECAUSE THAT IS THEIR INTERNAL PROCEDURE. 

Furthermore, on XX/XX/XXXX Chase bank applied an authorized charge of USD XXXX to my account claiming that I owe a XXXX property tax for yet another vehicle XXXX XXXX XXXX which I currently drive. This is the exact same situation as we are having with the XXXX vehicle - I was reported as taxable instead of exempt - hence we are dealing with the same problem but different vehicle. 

I contacted Chase repeatedly, as well as sent a letter to their main office in XXXX Ohio. Waiting patiently for the resolution.
I 've been a victim of identity theft in the past. I am still recovering from this and have spent thousands to restore my good credit and my good name. 

Meanwhile, Equifax, a company which has refused to entertain some of my identity theft claims in the past, now, in an egregious act of fiscal irresponsibility, allowed my identity to be stolen AGAIN. 

You ca n't stand against these credit bureaus. They have all the means at their disposal, and they did NOTHING to  safeguard the security of the accounts of millions. Sure. They 're offering a " free '' credit protection as some sort of malarkey recompense, but how reliable is that when it 's being run by the same organization that allowed the private information of millions of customers around the globe to be compromised in the first place? 

And these credit bureaus affect your entire LIFE as an average person. They affect your ability to ever buy a home. They affect your ability to get a loan for your new car or for your education. They can even impact your ability to get a job that pays a decent enough wage to have a debt-free life someday! The fact that they have so much responsibility, and were so careless with it, is an egregious breach of consumer protection justice. 

Equifax needs to hang up its hat, stop messing with the lives of millions of Americans, issue more than a stupid apology and an enrollment in a free " protection ' company run by the same folks who let our identities be stolen in the first place, and stop ruining the lives of millions with their capricious judgments based on nothing but the whims of greedy bankers. They ruin lives for a living, and then they let hackers ruin even more. They need to be out of business. NOW.
I filed a dispute with Equifax on XX/XX/2018.I never received a response that any investigation was done or completed.I contacted them on XX/XX/2018 in regards to this matter, and they had no explanation.I was told you need to contact these companies yourself, if your report is incorrect, and these account do belong to you.I continue to ask, why I was not notified of your results, he refuse to answer.He said where did you get this information?, XXXX XXXX XXXX is your report, '' does this question make any sense? no, it does not.I told this person, that  this account has been on my report for 7 years or more, and should be removed.Also another company called XX/XX/XXXX , I have  never done any business with, to my knowledge, he said call them. 

I need a resolution to this ongoing problem with Equifax, which has destroyed my credit, and lowered my score.It has been more than 30 days, since I filed this dispute.
I received letter last week from Cooling and Winter a law firm which states they do n't have any attorney personally evaluating my account however XXXX is stating I had a credit card with XXXX Bank in the amount of {$830.00} in which a bill was going to an address where I never lived in XXXX XXXX. They asked me a few questions and unfortunately I did give my social number however my wife noticed there were charges in XXXX on the credit card and they had a DOB which was not mine.
The collection agency and original creditor to not report my account to the credit bureaus in the exchange for XXXX equal payments of {$110.00}. After the first payment and before the second payment the collection agency reported the account to the credit bureaus.
I inquired online on XX/XX/2016 about when a {$300.00} bonus would post to my account. I received a message back that I would receive a response in XXXX business day, I waited until XX/XX/2016 and after not receiving a response, I replied to the email about a status. On XX/XX/2016 I receive a response from a XXXX with an email tag of Sovereign Bank stating that if I still needed assistance to call their customer service phone number. It took customer service 5 days to reply with no resolution and to have me then call them back. This is unacceptable service.
in addition to these XXXX complaints I`ve already sent you : 1. # XXXX ; # 2. # XXXX i went into a branch wells fargo branch in XXXX, al the teller`s name was XXXX, she dined me access to her card. she told me that i could not withdraw my remaining balance @ wells fargo in the amount of {$430.00}. this bank is illegally holding my money/funds from me, when i have had no access to swipe thier bank card for over 5 days now! they are illegally holding my funds from me! they also told me they were going to close my bank account & keep my money! thieves!
TO WHOM IT MAY CONCERN, XXXX/XXXX/XXXX I SEEM TO HAVE A HUGE PROBLEM WITH PNC MORTGAGE COMPANY. THEY ARE NOT REPORTING TO THE CREDIT BUREAUS OF MY PAYMENTS MADE ON MY HOME AND THIS IS AFFECTING MY CREDIT. I FILIED BANKRUPTCY ON XXXX/XXXX/XXXX AND IT WAS CHARGED OFF ON XXXX XXXX. IN THE BANKRUPTICY IT CLEARLY STATES THAT I WAS KEEPING MY HOUSE AND HAVE BEEN MAKING ONTIME PAYMENTS FOR 3 YEARS AND 6 MONTHS. MY LAST LATE PAYMENT WAS ON XXXX XXXX, XXXX AM DISPUTING THIS. THEY WILL NOT ACCEPT A REAFERMATION AGREEMENT. MY LAWYER DREW UP AN REAFERMATION AGREEMENT AND THEY REJECTED IT BECAUSE IT WASNT DURING THE BANKRUPTYCY TIME PERIOD. I NEVER WAS GIVEN REAFERMATION PAPERS FROM PNC TO SIGN DURING THE BANKRUPTYCY, ENCLOSED ARE THE STATEMENTS FROM PNC MORTGAGE OF MY PAYMENTS MADE. I WANT TO THEM TO REPORT TO THE BUREAUS SO I CAN CONTINUE REESTABLISH MY CREDIT. 
Also. Please check to see if pnc mortgage was charging me interest on my home during this time period during the bankruptcy period! 
Please include credit report if possible!
Back in XX/XX/2018 my husband and I went to participate in a timeshare presentation where we believed to be signing up for an honorable service. At the conclusion of the process, in order to qualify for the program we applied for a credit card through Barclay 's to cover the initial payment. After our interactions, we found that I was approved and he was denied. After a couple weeks, we never received the credit card and the promise of a very luxurious vacation. We were given 30 days to sign up for the luxurious vacation and experienced extreme delays and contacted XXXX several times about the vacation. Once the 30 days lapsed we no longer found the firm to be reputable and felt we were victims of a deceptive act in order to get us binded into the contract which has many contradictions. We contacted Barclays and declined to make any payments as a result of the above interactions. Barclay 's  promised to do an investigation and sent various letters however never got back to us about our concerns with a resolution to cease the contract and void payments. They posted to my credit report as well as to my husband 's ( who was denied ) and as of Tuesday, XX/XX/XXXX Barclay 's posted a past due on my credit report. 

We contacted XXXX a few days ago who stated they were coming up with a " resolution '' which for us is to be removed from all communications, cancel of the contract and removal from our credit reports.
On XX/XX/2016 XXXX unauthorized transactions were posted to my Wells Fargo checking account in the amount of {$450.00}. XXXX was a credit and the XXXX a debit transaction. The next day, XXXX those transactions vanished from my checking account history. In an effort to find out why the transactions occurred in the first place and why they later disappeared, I contacted my bank by phone initially and later went to my local branch in XXXX, GA. To my surprise, I did n't get any answers from the XXXX employees I spoke with on the phone or the XXXX employees at the local branch. They all appeared to be dumbfounded after researching my inquiry and finding no record of those transactions anywhere in the bank 's records or my account. That is until I provided my account activity records that I printed the day this happen. It was at this point the branch manager stated, " An employee must have made a mistake and reversed the transaction which removed it from my account records. '' If that is the case, where is the audit trail/source records on the bank side? The manager could not provide an explanation to this question. On the same day similar transactions posted to my mom 's savings account and the next day they vanished. Unfortunate, I ca n't prove it, because I did n't print her account activities. This is scary, an employee has the ability to delete/reverse transactions from a customers ' account and the banks own history. This puts me and every other customers ' account at risk of all sorts of misdeeds. Nobody 's account is safe! I have serious concerns of this bank 's internal and ethnical practices. Attached is page 1 of my checking account activity records that I printed which reflects the {$450.00} transactions. Also, the account activity of my checking account provided by my branch.
On XXXX XXXX, 2015, Wells Fargo had my checking account available balance listed as {$670.00}. I withdrew {$500.00} from the account, which left a balance of {$170.00}. The receipt generated after my withdrawal showed the available balance as {$170.00}. The next day, it was clear that Wells Fargo incorrectly listed my available balance too high and a downward adjustment was made. The lower balance appears to be correct. However, I was charged a {$35.00} overdraft fee for the ATM withdrawal. I should not be penalized {$35.00} fee because Wells Fargo incorrectly listed my available balance as too high. At the time of the withdrawal, there were no pending transactions that would bring the available balance down. As a result, it 's clear that Wells Fargo incorrectly calculated my available balance. The receipt generated after the ATM withdrawal in question will show a positive balance before and after the withdrawal. I ask that the {$35.00} fee be returned.
Navient has not provided me with an accurate XXXX Student Loan interest paid statement for my private Student Excel loan. Account number XXXX. When requesting a XXXX by phone I was directed to a customer service representative specifically trained in Private loans and was assured I would receive it in my email. The attached form was received and is not accurate nor a XXXX. 

I received a notice on the automated phone system that a self certifying form to confirm the interest paid for my XXXX was sent to my mailing address was correct but I have not received it yet nor is it available online for download. This is an unnecessary burden mean to discourage borrowers from receiving tax benefits for private loans. The XXXX should be available and should have been mailed to me since i paid more than {$600.00} in interest and capitalized interest in the 2014 tax year.
JP Morgan Chase in XX/XX/XXXX recorded an assignment, a false conveyance to XXXX XXXX trustee to XXXX XXXX Trust XXXX placed in my land County records. ( see attachments ) XXXX XXXX and XXXX XXXX remic Securities have been in compliance and Silent with Chase and XXXX XXXX Trustee unfair and wrongful egregious acts. A summary judgment was entered on XX/XX/XXXX and a final Judgment of foreclosure and sale signed on XX/XX/XXXX.This was done by the way of deception and misrepresentation. A sale is schedule for XX/XX/XXXX. I have contact XXXX XXXX overtime and recently on XX/XX/XXXX I have sent them a request asking for XXXX XXXX XXXX XXXX to answer some of my claims. Emails were sent to XXXX and XXXX at consumer contact center loan delivery and operation services support team from XXXX XXXX XXXX inquiries. Since then I have been ignored.
A Stipulation of Settlement was placed for this account, please see attached documents. In accordance with the court agreement my debt was reduced from {$13000.00} to {$5200.00} to be paid in monthly installments of {$100.00} until balance is payed off. It was agreed that I could not miss any of the payments. The Attorney representing the Debt Collector received my bank account information and were authorized to debit the $ 100 monthly. These payments were debited for 29 months ( 29 months= {$2900.00} balance remaining is {$2300.00} ). Last debit in my account was XXXX, XXXX and no debits were made thereafter. Collections started to call me in XX/XX/XXXX. On XX/XX/XXXX I returned the call and spoke to a two representatives at the Attorneys office who represent the collections company, who confirmed my payment amounts and informed me that the law offices were merging and that this was causing delays on accounts. Some time after that call, I received another judgement notice presented to the Court by the Debt collection Agency 's Attorney. This is something that is completely unclear since they have my account information and stopped debiting payments. The phone numbers I called in XX/XX/XXXX were both out of service ; but I found a new number on the new mailing. I called recently XX/XX/XXXX to inform the Attorneys office the status of my case and the representative reviewed my account and saw the judgment and explained my balance. I explained the same that I explained back in XX/XX/XXXX, she stated that she found notes regarding my case about this phone call. I explained to the representative that it is the Attorney 's responsibility to continue debiting my account as this was the agreement made when this case was settled in court, and that I did contact the office in XX/XX/XXXX because I was concerned about the payments not being debited. She then put me on hold stating that she was going to speak to her supervisor, after that hold, she came back on the phone telling me it was my fault because " I stopped paying '' and I did not agree with her statement. She became very rude, and I just told her I would contact an Attorney regarding this case and hanged up the phone. 
I have followed my responsibility by contacting them to try to keep paying my debt as agreed because they stopped debiting my account, and the representative tells me I'm at fault for not paying????? My account never changed and I have all my proof of the 29 payments to the same account provided to the debt collection Attorneys before they merged! What are they trying to do????? 
I found out about this problem when I saw my credit report showing a collections account with an amount that does not match my current debt amount of ( {$2300.00} ) with this company after the 29 payments I made. The amount on my credit report reflects as ( {$11000.00} ) which is basically close to the amount of the original debt ( {$13000.00} ) which was reduced by the court to ( {$5200.00} ) in the XXXX, XXXX settlement.