WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Wells Fargo Customer Service on XXXX/XXXX/16 via phone from XXXX PST notifying them of a charge that was going to be making, a purchase with my debit card for {$4000.00} USD from a hospital in XXXX XXXX , because I needed immediate medical treatment or XXXX. I was XXXX with a life threatening issue and was seeking medical attention to save my life. Wells Fargo told me on the phone they would not allow the purchase even though I had sufficient funds in my account and a balance of about {$5500.00}. Wells Fargo refused to allow this purchase while I was literally begging them with my life to let the purchase go through. Literally, I am in the hospital waiting room XXXX and Wells Fargo would not let me access to my money. I explained all of this and the Wells Fargo Customer Service rep hung up on me and refused to let me access my money. I had thee hospital run the card anyways in desperation but it was declined. In XXXX XXXX hospitals do not just treat you, they require payment up front, it is not like in XXXX. I had to get into a taxi cab XXXX, take the taxi back to my living quarters, get a different debt card for a different bank, take the taxi back to the hospital and use that other card to save my life. Wells Fargo knows I frequently travel to XXXX XXXX, they have this information on file. I was using my account for small purchases regularly. What Wells Fargo did is beyond unacceptable. It was extraordinary that when a customer is on the phone, fully verified, with available funds, explaining the urgent and life threatening need to access to their money, and to be refused and hung up on. Wells Fargo should be put out of business for treating its customers this way. It is despicable. It is wrong. XXXX I could have died. To put a XXXX person through this ordeal should be criminally punishable. There was no excuse for the negligent handing of my phone call and XXXX on my life by Wells Fargo that day by refusing me to access my money to pay for my healthcare needs.
I have been paying thru garnishment of wages for a loan that had a amount due on {$18000.00} as of XXXX XXXX 2012 based on a order to withhold from earnings. The payments have been going to Performant Recovery as of today my employer approached me and gave me a summary of payment showing they have paid {$18000.00}. upon calling performant they are saying I still owe {$4000.00} and this will accrue interest of {$65.00} per month. 

I employer said it has been paid, please help performant will no negotiate I tried offer a settlement payment they would not accept.
For the past two years since XXXX 2015 I have been written to the three credit  union 's XXXX XXXX and Experian, in regards to XXXX XXXX XXXX, XXXX and XXXX having an account in my report. These are not my account, the debt collector 's has not been able to validate the account 's neither has the credit union. these account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I sign any legal document with my signature binding me to a contract with XXXX or XXXX XXXX XXXX. 

The credit union have been informing me I have to speak to the debt collector 's the debt collector 's tells me I have to request the deletion of my account from the credit union.
onXX/XX/XXXX or XX/XX/XXXX I came to Chase Bank which located in the XXXX XXXX XXXX XXXX, XXXX AZ XXXX, with my friend to deposit cash around {$1400.00} to ATM machine which stand in the lobby. We deposited two times coz one time can not deposit all of them, and when we do the second time, the machine was stuck and after 5-10 mins loading circle, the screen showed need the bank supports help, and the ATM machine didn't come out any receipt or paper to show what's going on. we called the staff from bank to help us, they suggested us to call the bank customer service to do the claim service, I called and built the claim case with Chase customer service, they just said they'll do the investigation process and will resolve within 10 business days, on XX/XX/2018, I checked my bank app, there is a credit added {$1400.00} into my recent transaction, but today when I logged into my online account, on XX/XX/2018, I saw there is a claim reversal transaction showed up, which is that {$1400.00} amount was reversal, then I called the bank, they said they can not do anything about this solution coz they already went through the claim process and their back office gave this result. but I'm definitely disagree with this, coz i deposited the cash in the lobby on that day, my friends and the lobby staff also saw that, coz there is one staff came to ask us is this machine works well, we answered yes, and they explained with us, coz some guest use this machine to deposit money but got in some trouble before so they questioned. that means they knew this machine got some problem. but i called the bank customer service to ask if there any other way can do it again, they said there is nothing he can do. i am so angry with this answer, coz i was depositing my money through your bank ATM machine, but is the machine comes out the problem not because i'm lied, according to he said can not do anything, the only thing i can do is to complain the bank.
americollect DID NOT EVEN SPEAK ABOUT THE REASON I SUBMITTED THE FIRST COMPLAINT TODAY. XXXX?!? ARE THEY EVEN READING WHAT I WROTE? AND YOU GUYS CLOSE MY COMPLAINT BECAUSE THEY SENT A LETTER THAT HAD NOTHING TO DO WITH WHAT I WAS COMPLAINING ABOUT. I HAVE PAID OFF THOUSANDS OF DOLLARS IN MEDICAL BILLS THAT WERE IN COLLECTIONS AND THEY WILL NOT UPDATE MY CREDIT REPORTS!! 3 OF THEM. 

WHAT ARE YOU GUYS GOOD FOR? YOU DO N'T EVEN MAKE SURE THEIR RESPONSE IS IN DIRECT RELATION TO THE COMPLAINT. WASTE OF TIME HERE!!!!!
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX {$3300.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MEDICAL DATA SYSTEMS, INC. {$3300.00} I have report your company to  consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Walmart and Sams cards are charging interest on entire balance even if had a balance of XXXX cents. The balance should be computed on the XXXX cents not the entire {$500.00} that is charging excessive interest. They are calculating the interest to make excessive profits I out over {$65.00} with this process. This needs to stop consumers pay too much interest already b
I contacted the debt collector and set up a monthly payment arrangement. It still show a derogatory account on my credit and my payments are not being reflected on my credit report.
I am writing this letter to file a complaint about a fraudulent charge to my Sears Master Card credit card. On XX/XX/2018, we noticed a fraudulent charge to our credit card from a company in XXXX XXXX XXXX. The company, XXXX charged us {$43.00} for goods and services that we did not authorize. We called and filed a dispute with the credit card company stating that the charge was not authorized. The credit card company opened an investigation to the matter and concluded that the charge was not authorized by us. They reversed the charge. One month later, on XX/XX/2018, we noticed another charge from XXXX for the same amount of {$41.00}. This time we noticed that we were charged an additional {$41.00} from a different company in XXXX XXXX XXXX called XXXX XXXX. We called the credit card company once again to dispute both charges. The credit card company reversed the XX/XX/XXXX charge of {$41.00} and closed our account at our request. The company issued us new cards, but transferred the {$41.00} from XXXX XXXX to our new card. On XX/XX/XXXX, I called the company to file another dispute for the transferred amount and the credit card company opened a new investigation. I received a letter dated XX/XX/2018 that stated that they credit card company had concluded that we gave this company in XXXX XXXX XXXX our credit card number and they were going to reissue the charge to our card. I called the credit card company to speak to a representative to ask for the evidence that was used to determine that we authorize this XXXX XXXX company to charge our card, but I was told that I could not speak to anyone regarding this matter. I need help with this company because they are not being transparent with me regarding how they came to the conclusion that we were complicit in authorizing this charge.
I have unauthorized transactions on my bank account that was made through PayPal, while I was away my PayPal account have been hacked with someone making unauthorized transactions to different merchants. This was reported to my bank and PayPal on about XX/XX/XXXX transactions from five different merchants have been ordered however I never got merchandise or was any merchandise left at my home front. No one signed for any packages that was delivered to my house so I told PayPal about my account they opened claimed and sent to me tracking from the merchant but no signature just said delivered left on steps. However no one was home my neighbor kids said they didnt see anything items my regular mail was still in my mailbox but no packages were there. If I didnt sign for no delivery Im not responsible for the items.
There was an incident with CitiMortgage ( see CFPB Complaint # XXXX ) that caused inadvertent negative credit reporting which CitiMortgage has since agreed to remove. However, as a result CitiBank who backs my Home Depot credit card reviewed my credit worthiness during the time frame in which the negative error reporting was taking place immediately reduced my credit limit to the balance of the credit card itself which makes it appear as though I now have a maxed out credit card which also reduces my credit score even further. I have maintained excellent credit worthiness throughout my life until this incident happened and I think I have been a valuable customer to Home Depot and Citibank. Also, during this time I had a cell phone stolen with my account personal checking and savings accounts inside. As a result, my bank had to temporarily block all credit and debits on my account until the issues were resolved which they were.
XXXX/XXXX/XXXX I paid XXXX XXXX XXXX XXXX {$240.00} satisfying this debt in full. I am no longer responsible for this debt that is being reported on my credit report as a collection. This debt does not belong to me and should not be reported to any credit bureaus as a collection account.
I have been on a wild goose chase, just trying to pay one {$200.00} debt that I did n't even know I owed. 

It started when I found out my debt was referred to a group called the XXXX XXXX XXXX. The only information I could find about them was an AOL.com email address, a PO Box and a XXXX business listing that stated they were " Permanently closed. '' I sent them an email and a letter asking for more to confirm their business was a legitimate one. They declined to respond, but one week after I filed my first complaint against them they referred my case to a law firm, Relin , Goldstein & Crane, LLP. I asked that we only communicate by email and they agreed. 

At first they were very responsive, but then I suffered a death in the family and my attention was diverted. At the beginning of this month I started to put my life back together and reached out to them. 

They indicated that they would pursue legal action against me if I failed to pay the debt, however they now have not responded to XXXX communications I sent, eager to resolve this matter. 

This is a small debt that I 'd love to get out of the way, but I do n't want to finance an illegitimate business.
I being denied credit because they are reporting me as deceased. I did getsick. and I have n't used my credit .but I am recovering and I have move from the pesticides of XXXX XXXX . XXXX XXXX XXXX Why should I have to give my credit & payment history to Verify who I am. The mistake is n't mine. 
Theirs questioned in reference of my past information like old addressesMy Social Security # last time I check they do n't give dead people new Social cards. I will give ( XXXX ) open account to be verified. I Do n't care why it happenI just want it corrected Thank you. XXXX XXXX /XXXX ( XXXX ) ... Attention Credit Bureau /document available / when address to accountable/ a credible person /Official. or Official assigned to verify.
Contacted Experian via written correspondence and phone. They are STILL reporting invalid addresses on my credit report that needs to be deleted
Last year, someone used my social security number to open a XXXX account and then closed it with {$750.00} in unpaid debt. I learned of this in XXXX 2016 through " Credit Management '' - debt collectors who said I needed to settle things with XXXX. My identity theft protection firm and I both did this separately and simultaneously. 

Consequently, XXXX confirmed that the account was opened by someone else and that they were removing that debt from my account. Credit Management confirmed the same and promised no further communication regarding this mistaken debt. 

Since XXXX, however, I have received incessant phone calls ( 5/week ) and yesterday I received a written invoice to pay Credit Management directly.
Dear CFPB XXXX Request As last month i requested my Paid Tax Lien be removed from my credit report because it was satisfied and released on XXXX XXXX, 2014. But i was told by Equifax and CFPB the FTC rules said it must stay on the consumers credit report for 10 years. Here 's copies of FTC Rules Section 605. ( 15 U.S.C. 1681c see attachments Line XXXX Paid Tax Liens which, from date of payment, antedate the report by more than seven years ( Antedate ) to give an earlier date rather than the actual date of ( something ) this is my 2nd request to have this remove from my credit report. Please revisit this request Sincerely XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX.
I was notified on Wednesday, XX/XX/XXXX that a judgement was placed against my name, and a lien placed on a property I co-owned with my husband. We were notified of this judgment by the closing attorney, two days before the closing of our land was scheduled ( XX/XX/XXXX ). We were told that a large amount of money would have to be paid at closing. I called to speak with XXXX XXXXr, General Manager of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- the law firm representing the creditor, XXXX XXXX. I was notified by the closing attorney and by XXXX XXXX that my social security number matched their records, and that this judgement was mine. I do not recognize the name of the credit card in question. The card name is from the XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX/Mastercard . XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( a partner who recently merged with The XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) informed me that this was the name of the card used to accumulate these charges. I do not recall having a credit card by this name. When I googled " XXXX XXXX XXXX '', a few real estate developer names appeared. I could find no record via internet search of XXXX XXXX XXXX being in partnership with XXXX XXXX XXXX. I have no bank statements in my records from any such company. When I asked for a copy of all of the charges and purchases placed on the card, both XXXX XXXX and XXXX XXXX stated that they did not have this information in their records.
With two days before the closing on the sale of our land, I had to make the decision to deduct {$8800.00} from the cash sale of our property to pay XXXX XXXX. If I had not paid this amount, my husband and I would have lost the sale of our property. This amount was wired, in full, and received by XXXX XXXX, listing XXXX XXXX as a Beneficiary.
I am concerned about these charges being fraudulent. I checked my credit report today, and there was no record on my XXXX credit report of these charges. Furthermore, I never received an affidavit of service related to this lawsuit. I have also never received any notification of the judgement from The County of XXXX. The first I learned of this lawsuit was two days before the closing date of our property sale.
My grievance is with Transunion credit agency. I have a New York state tax lien that was filed in 2010 with reference number XXXX. The amount owed was {$950.00}. My paycheck and bank account were garnished and direct deduction made until the money way fully paid. I have since written letters to Transunion and filed an online dispute for the derogatory record to be removed. New York State law stipulated that the record should be removed five years after the lien has been satisfied. I beg you to use your good office to make Transunion comply with this State law. The tax lien was NYS state tax lien and not federal. The state law should be applicable to this lien since they are the originator of the lien.
I HAVE RECEIVED MULTIPLE PHONE CALLS TO MY CELL FROM # XXXX WITH NO VOICE MAIL BEING LEFT BY THE CALLER. FROM MY SIMPLE ONLINE SEARCH I HAVE FOUND THE COMPANY FBCS ( Federal Bond & Collection Service ) TO BE THE LEADING CULPRIT. I CALLED THE NUMBER BACK AND HEARD A PRERECORDED MESSAGE ABOUT AN ATTEMPT TO COLLECT A DEBT, HOWEVER, MY MOST CURRENT CREDIT REPORT SHOWS NO DELINQUENT ACCOUNTS. THE MESSAGE OFFERS TO ACCEPT AN OVER THE PHONE ACCOUNT PAYMENT OR YOU CAN SPEAK TO A REPRESENTATIVE. I KNOW THAT YOU SHOULD NOT RESPOND TO SO CALLED ROBOCALLERS AS IT MAY MAKE MATTERS WORSE. PLEASE INVESTIGATE THIS HABITUAL HARASSING BEHAVIOR
XXXX, Equifax, and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX, 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.
Today XX/XX/XXXX and on XX/XX/XXXX I saw on my trans union XXXX report. On XXXX and transuion XXXX credit report. They have inquiries that are due to identity theft. Trans union inquiry is XXXX XXXX. On XXXX  is 2 inquiries one from XXXX XXXX XXXX and from XXXX National credit card cos. These inquiries was not done by me. Also XXXX  has XXXX inquiry. These need to be taken off. Not done by me. Its identity theft. Also On XX/XX/XXXX. I reported to you XXXX  ... XXXX this Today XX/XX/XXXX I went check my credit report as I do monthly. I found 1 inquiry from XXXX. 4 accounts from the same company. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. XXXX XXXX XXXX XXXX amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft. As of today yes its still on my credit report!! So XX/XX/XXXX its still on here ... XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. XXXX XXXX XXXX XXXX. amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. these 4 accounts need to be taken off my report its identity theft. This creditor needs to stop changing collection agencies. To try to get money out of me when it identity theft. This credit was notified in XX/XX/XXXX.  That these accounts are identity theft. The creditor refuses to stop trying to charge me. They keep changing collections agencies. Still shows up months to a year later with the same amount due. This is wrong and illegal! take this off block it
Upon my first time ever checking my credit back in XX/XX/XXXX, I noticed that there had been a hard inquiry on my credit, -now-removed- that I did not make, nor did I authorize. I had also noticed, that there was, and is currently an address on my credit report that I have never been associated with, and do not know of. 
Additionally, my birth date does not show up on my credit report. 
None of this could have possibly been me, as I was only XXXX years old at the time, and had never checked my credit, or applied for loans or credit cards of any type before. The reason that I had not reported this situation at the time of noticing the issue is that I was was not aware that it could be potential fraud, and had no further advisement as far as credit goes. 

Upon re-checking my credit in XX/XX/XXXX, now with more knowledge, I realized that there was still an incorrect address, no birth date, and that the hard inquiry had been removed from my credit report. However, I'd still like to dispute this and solve these issues. 

All in all, I've had an unauthorized hard inquiry, and still have an incorrect address, as well as a missing birth date for myself.
I opened my auto loan with Consumer Portfolio Services in XX/XX/XXXX. I made my first payment in XX/XX/XXXX. As of today, XX/XX/XXXX, there have been 18 monthly payments made at {$500.00}. This totals {$9000.00}. In that same 18 month period, {$6400.00} has been applied to the interest on the loan and {$2500.00} has been applied to the principle. Somehow, 18 monthly payments on a {$17000.00} auto loan has reduced the principle balance to {$15000.00}. I would like the CFPB to investigate this. I can not figure out any way where 71.9 % of all payments should be going to interest while 28.1 % go to the principle. This car will never be paid off if that is the case.