WillisBack/dataset-financial-user-claim huggingface dataset:
ON XXXX XXXX I place a call to Wells Fargo to report a fraud. Wells Frago employee turn blind eye to my report, I woke on XX/XX/2016 to find my account empty out and have a balance of XXXX dollars I called them The supervisor I spoke with was very rude said there was no fraud, I told yes there is since I did not touch the money I had in my account I better not be having overdraft fee charge to my account because I had money in there but since they refuse to take care of my fraud report. XXXX/XXXX/16 I had XXXX that was directly deposited into my account they still took all my money bringing my account to XXXX. I call them again but they refuse to fix the issue, I woke up on XXXX/XXXX/16 to have XXXX charges of XXXX dollars fees for overdraft i call spoke to XXXX XXXX, on XXXX/XXXX/16 at XXXX, her response to me was is that all. I could not believe what I was hearing I have been calling regarding this issues non stop and all the agent got to say to me is that all. Wells Fargo STOLE XXXX dollars out of my account. I will be going to news with this, I have written an email to the board of Wells Fargo and NOT ONE PERSON REACH TO ME TO EXPLAIN TO ME WHAT IS BEING DONE & gt ; I AM CALLING FRAUD ON MY ACCOUNT, I HAVE A VERY LARGE FOLLOWING ON SOCIAL MEDIA I WILL POST MY CONCERNS TO EVERY SOCIAL MEDIA OUTLET SO EVERY NEWS CHANEL CAN PICK UP ON THE ACTIVITY THAT IS STILL GOING ON AT WELLS FARGO & gt ; XXXX XXXX THE EMPLOYEE AND EVERY OTHER EMPLOYEE THAT I HAVE SPOKEN WITH WHOSE AWARE OF THE FRAUDULENT ACTIVITY SHOULD BE FIRED AS WELL XXXX XXXX SUPERVISOR XXXX XXXX AGENT XXXX XXXX AGENT THEY DON '' T NEED A JOB I NEED ALL MY MONEY ALL MY XXXX DOLLARS BACK IN MY ACCOUNT THEN I WANT TO CLOSE THE ACCOUNT
I contacted the company regarding incorrect charges on XX/XX/18. The company received my disputes on XX/XX/18. via certified mail. It is now XX/XX/XXXX and I have not heard back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.
On XXXX XXXX, XXXX I sent Pinnacle Credit Services a certified letter asking for them to provide validity of debt. I have not heard anything back from them ever. I then on XXXX XXXX, XXXX sent a no response letter and XXXX XXXX, XXXX final no response letter. They have disregarded the laws put in place by the Fair Credit Reporting Act. This account should be removed from my credit report at this time. The debt has not been proven to be valid. his has been very time consuming.
I had a credit card Supposedly opened for XXXX XXXX 5 years ago when I was just a XXXX in college on XXXX vacation. I was not aware that it was an actual credit card, the cashier made it seem like just a promotion that the store had going on at that time. I only spent {$25.00} on a pair of shoes that I was originally paying in cash. All of a sudden late payments kept getting piled up, and that 's how I have an unpaid balance of {$160.00}, which I was unaware of, now on my credit report. I never even activated the card!! I was tricked into thinking I was getting a deal on a pair of shoes! The credit card is delinquent and showing up as bad credit and highly affecting my score before I had the chance to discover and build good credit on my own.
Dear Sir/Madame, Good Day! I would like to inquire about Citibank the way they give a billing.I here in XXXX XXXX.I have a citibank credit card.My concern is.I have a bills amounting XXXX in XXXX rupees.But I failed to pay the exact amount which is XXXX due to financial difficulty. 
The only amount I payed is only XXXX.Then I received a mail below. 


We confirm receipt of your payment of XXXX and the same has been credited to your card on XXXX XXXX, 2016. 

The total amount due as per the XXXX 2016 statement is XXXX and minimum due amount is XXXX with a payment due date as on XXXX XXXX, 2016. However, the aforesaid payment is lesser than your minimum amount due. 

Late Payment Charge will be levied if the we are not in receipt of any payment within the due date or the payment made is less than the Minimum Amount Due. 

Interest will be charged if you do not pay back the previous bill in full and also on all Cash Advances from the date of transaction until the date of settlement. If a part payment is made, there would be no interest free period and interest charges would be applicable ( including on fresh purchases, if any ) via an average daily balance method. 

Hence, we request you to remit the remaining payment within the due date to avoid levy of charges. 


Thanking you Sincerely XXXX Manager - Customer Care I have a remaining XXXX in my savings account.When I check it its already gone in my savings account.Then I noticed that citibank take it.My question is is this fine for them to get that amount without informing there costumers. 
Please give me advice an advice regarding my concern. 

Regards, XXXX
In 2012 I paid off a collection and now the debt is back on my credit report. A collection agency named " XXXX XXXX, XXXX '' is harassing me by telephone trying to collect the debt again. I have attached my original receipt as well as the recent letter I received threatening to sue me. I believe I am being scammed. Can you please help?
I have been on a repayment program with Wells Fargo since XXXX 2015. Set up my first payment of {$200000.00} on XXXX XXXX, then XXXX XXXX, XXXX XXXX, and then called today to set up a payment on XXXX XXXX. I was told by the representative that I was breaking the program rules by setting up the payment so late, I advised her I have been on this program since XXXX and this is the first time I have been told that. The account manager would talk over me and kept saying I needed to set it up on XX/XX/XXXX and that I just could n't call in when I felt like it and set up a payment. I asked them to escalate the call and finally set up a payment with XXXX and opened up a case with them advising her I am tired of everytime I call in the rules to this program seem to change.
case # XXXX acct. ending in XXXX I have tried for months now to work with Capital One on my dispute with the company I don't know what more they could possibly want from me long story short I returned some damaged merchandise to the merchant I provided tracking information in the Box weigh the proper amount it was received and signed for and nobody had any issues with it until Weeks Later then all the sudden the merchant claims they didn't get it that went back and forth for awhile and that's when I decided to ask Capital One for help and I disputed the transaction I provided all the information it's not like XXXX and XXXX or the post office are going to lie for me the carrier confirm the package was delivered there were no problems and I gave all this information to Capital One and somehow they decided against me in their most recent letter they sent to me they told me that they didn't have all the information they needed and I asked them what the information was they said they needed a copy of the receipt the invoice which keep in mind I've already provided but I went ahead and provide it again and now they send me another letter and this time their excuses they're going to go with your original decision they told me the last time that the reason they decided against me was because they didn't have all the information so I provided all the information for about the third time I send everything back to the merchant I provided overwhelming proof of this and Capital One still has not refunded my money why are they not following the federal consumer laws that are on the books they have an obligation
I'm reviewing my credit report as I feel is very important. 
So you are telling me you got on the phone and called each creditors and send aIl my docs and youd did a fu ; ll comparison between what i saying and what they send to you and you found they were correct? I highly doubt it. 

XXXX XXXX XXXXXXXX Acc # XXXX ... 
XXXX XXXX - Account Number XXXX XXXX Card - Account Number XXXX XXXX Card - Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX - Account Number : XXXX Delete the above and send me a new report. 
And last and more concerning is my XXXX XXXX XXXX account XXXX, I paid my XXXX XXXX on time every month but your reporting shows as a negative account. Last Payment made on XX/XX/XXXX Account Closed on XX/XX/XXXX Pay Status shows ( Paid As Agreed Never Late. 

This is proof you never really verified this account at all. Update Update this account to shows as positive as it should be
My Regions Checking acct was compromised recently and about XXXX transactions took place within 3 day period that I did n't know about until about two days ago. I am in the process of buying my first home. I have been approved for a mortgage and I found a house and I have just wrote the first XXXX checks toward the purchase. XXXX for {$100.00}, the option period money. and the second for {$1000.00}, the earnest money. These are the first checks I have written out of this Regions checking account as well. Now that the account has been totally emptied my checks are going to bounce for insufficient funds, even though I called the bank to tell them about the frad, they said I could n't do anything untill all the transactions had posted to the account, and then I would have to go into a branch as fill out something and then it would take about 10 days for them to investigate the claim and after that I would have access to my funds again. The checks are going to bounce by then. Not only will I lose the house, bu the seller can sue me as well. 
I tried to explain this to the bank, and reminding them that if they followed the electronic transfer act that I was by law entitled to get the funds involved in the dispute put back into the account for my use while they investigate the claim. They wo n't do any such thing. They are not seeming to understand the seriousness of these XXXX checks. They said if they are returned then the merchant may represent them. Its not even that kind of transaction. This is to go into an escrow account to purchase a home. I ca n't seem to get them to move and even get started with the dispute. I am very angry and disappointed with the customer service and procedures this bank takes for helping people that have been a victim of fraud. I do n't know what to do.
I have not received any communication from this company. It 's reporting to my XXXX credit report and the original creditor listed is XXXX XXXX and I 've never had an acct with them or purchased any merchandise from XXXX.
Hello, I have attached an Excel sheet of my credit report with a color code, the yellows are inquires are made but not by me or even my permission, I suspect an identity theft. it seam to me that somebody want to issue a credit card under my name or buy some thing under my name or they might sent these bills to the old address which i moved since thtee years and I undated my new address by phone or online. 
The red coded color:XXXX XXXX XXXX XXXX they never sent me a bill, statement or email to notify me that i owe them money, they reported me without contacting me, However, I went online to check if I owe them and paid my bills. 
XXXX XXXX Mortgage company they were sending there statement to the wrong account I called them and inform them that you are trying to draw the payment from the closed account please change the account to another XXXX and I gave them the account number, they never bother to contact me when the XXXX payment came back to fix the issue, but they ran fast to hit my credit. I am current with them. 
XXXX XXXX they never contacted me or emailed me, but because I knew I bought something from them and longed online and paid my bill, XXXX months after I paid my bill they called me and told me that you have a balance of late charges which i am not aware of, I tried to explain what happened, but they insist that I have to pay these late fees which accrued because of their fault. 
XXXX XXXX XXXX XXXX : I filled the application in the store and filled my correct address, but I do n't know how they were sending my bill to the old address, they called me and discussed the issue and solved and I paid the the amount due at the same time. 
I do n't know why they reported me as a delinquentXXXX- the new employment - XXXX XXXX XXXX who I work for them, I contacted them and asked them, they told me we never ran your credit report and we do n't have the right to do without your permission .. 
please help me out to take all the highlighted items with yellow and red to improve my score. 
your help is much XXXX XXXX : XXXX account which I am not aware of at all, I never received a bill or an email from these companies, even
XX/XX/XXXX, I was engaged in a legal battle and alerted my creditors of my situation. I had credit protection services on several of these accounts however, once I notified the company of my status they charged off the accounts. In summer of XXXX I offered to pay the charge offs in full for exchange to have the reporting changed and the accounts were dated and listed as new debts which reinjured my credit score. Both original creditors and debt collection companies refused any negotiations to remedy the issue and have sent me updated delinquency policies that I was not made aware of these changes. How can I fix an issue these creditors do not want to work with the consumer to fix? 

" We are required to delete our credit reporting trade line 7 years after the original delinquency date regardless of the paid status ''
I respectfully requ est Midland Funding, LLC to  provide me with competent evidence that I have any legal obligation to pay you.     Under the provisions of Public la ws 95 109 and 99 361, kno wn collectively as the Fair Debt Collections Practices Act ( FDCPA ) and the FCRA I am requesting the following verification : I am requesting for proof of both the original debt agreement and my signature of the credit credit card loan application and my payment history.
XXXX I paid in Full to " NCO Financial System Debt collector '' for Creditor XXXX and advised me to keep my receipt due to during that time Collection agency, attorney and banks were involve in embezzling, scams, frauds and charge clients double amounts, On XXXX XXXX Law represent " NCO Financial System '' stated judgement were made on XXXX for same Debt account, I called and faxed settle Paid in Full and account was close on XXXX. few days later I called them back to confirm if my document was received and was confirmed and not to worry, not knowing why I keep receiving same Debt so I consult with another attorney, On XXXX I received another judgment, Garnishment/Levy to my Bank from same attorney XXXX , I again called their office and faxed receipt from NCO on XXXX, I was told if I did n't get a call back from them means no actions would go forward and not to worry, so I thought everything is fine and did n't take my money. 
since Year of XXXX I had XXXX due to XXXX at work, being abusive at home from my ex husband n take care of my children leads to divorce in XXXX n final divorce judgment order from Judge to sell my home in XXXX, I closed my account in XXXX n found XXXX garnished total mount of {$130.00} + {$4800.00} plus {$50.00} non refundable from my checking in XXXX! I have copy of the garnishment from bank, XXXX I called the Law Firm multiple times to request my money back and again fax my document. 
XXXX my call got transfer to XXXX, he told me if they did n't do anything in XXXX then why now? and is too late cause of legislature and why wait 10 years and he not longer work with NCO Financial, I respond I texted and what their office told me ( attachment attach ) I respond 10 years ago I send and faxed my proof and told they have my document and not to worry which he ignore in XXXX because he want my money is like I 'm been Robbed, I felt he took advantage of me due to his profession as attorney and not communicate with his client and took my money for himself. I felt violated and victim of scam after I Paid in Full t rob me, I am requesting my money back plus what I been through with this account.
I have been trying to get our mortgage with US Bank modified for over 2 years. We apply for the modification and a round about ensues every time. We give them the application, they ask for documents, we send documents. They say they need more documents, again and again until so much time has passed that the first documents we sent have expired and we are advised to start the process over. We then eventually get denied but ask to appeal because they deny based on inaccurate information. We try to appeal and they tell us we're better off just reapplying. We are in the process of applying again. The person working our case is horrible. She barely responds to email, and when she does it is almost impossible to understand what she is saying. She often sends blank emails or doesn't answer my questions in the emails she sends. I even have a lawyer and they continue to play around with us. We fell into hardship when my son was born with multiple XXXX. We lost our jobs while he was undergoing XXXX treatment and have not been able to hold full time jobs since. I believe that US Bank is discriminating against us for this reason. We now get social security for my son and although money is tight, we could be paying our mortgage. I think US Bank would rather see us put out on the street than allow us to remain in our home.
On XXXX/XXXX/2016 I was contacted at phone number XXXX, by Penn Credit, looking for a person named XXXX XXXX. I advised XXXX XXXX that I never heard of XXXX XXXX and that Penn Credit has the wrong phone number for that person. This is the second phone call from Penn Credit looking for XXXX XXXX. On XXXX/XXXX/2016, Penn Credit was previously advised that they have the wrong phone number for XXXX XXXX and to please stop calling XXXX. Please advise Penn Credit to stop calling my home and to update their records, Thank you
In   XXXX   we received a letter for  XXXX  stating that we had applied for an  XXXX   XXXX   XXXX  card. We had not. We called  XXXX  and they blamed us by stating that we 'clicked a button ' at  XXXX   XXXX  initiated the request. They told us that they would close the request.     Last week we received another letter from  XXXX  that has exactly the same information. Today I pulled my credit report and am shocked to see that  XXXX  has continually been running credit inquiries. These inquiries have brought my credit score down.     The inquiries from  XXXX , which I did not initiate, were on these dates :  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  I would like help to have those inquiries removed from my Credit History since I did not initiate the requests. In fact, I checked with  XXXX  and in order to initiate the request an application must be filled out. I never filled out an application because I have no interest in having a  XXXX  Credit Card from  XXXX . Thus this is a repeated fraudulent request. Can you assist with resolving this so that my  XXXX  History is fixed and does n't continue to drop?     Thank you.
I have been trying without success for months to get Navient to work with me ony student loan. I went into a payment agreement which I informed the representative, I really could not afford because of the amount they were requiring me to pay. The representative stated their was nothing else she could do, even after speaking to a manager. It's like they want to see you fail at making payments to them. The representative then made me be signed up for debits to automatically be taken out of my account. As I informed them and suspected would happen, one payment was returned and they stated the whole agreement was null and void. They still would take money from my  account per the agreement but it will show negative on my credit report. How do they expect people to get better jobs if they keep making negative hits on reports and don't work with the borrowers income? The loan is XXXX due and I have XXXX dollars being taken out of my account every two weeks. Which is a struggle, the loan number is XXXX XXXX XXXX XXXX. The loan was for the University of XXXX XXXX in XX/XX/2007.
We have a {$50.00} per month payment plan set up with XXXX XXXX. 
XXXX XXXX XXXX is calling us on a debt that is being discharged. XXXX hospital told us is is a scam phone call & to disregard. Phone number called us is XXXX. This company hung up when I challenged them. They 've called us repeatedly, despite financial arrangements made with the hospital. The hospital billing told us this is a scam illegal activity by " XXXX XXXX XXXX '' & to disregard, report them. These people need to XXXX!! They are foreign callers from XXXX. Sick of being harassed.
XXXX is trying to collect from me. I have not owned a comcast account for the last 2 years. I have XXXX. this account is listed as opened in XXXX, XXXX also never recieved a bill if I did owe before it placed on my report.
I had to stop working in XXXX because of an ankle injury. When I call Wells Fargo to inform them that I was suffering a financial hardship and that I would n't be able to make my first repayment I was told that I still had to pay XXXX 's payment. I also informed that woman ( I do n't remember her name ) I talked with the first time that I would be going back to school in XXXX. She said I would only be able to get an in-school forbearance. I called again today, XXXX XXXX, and spoke to XXXX, XXXX, XXXX, XXXX, and a fifth person whose name I did n't catch and informed them of my situation. XXXX transferred me to XXXX to discuss my issue with not being able to afford my payment because I only recently found a job. I was given a ten day grace period even though I informed him that I can not afford a {$250.00} payment. I was informed him that I would be going back to school in XXXX. I was then transferred to a third person ( I did n't catch his name ) to discuss my repayment options. I was then transferred to XXXX to discuss refinancing my student loan. Though I was informed that my interest rate would go up and I would still have to make monthly payments while I was in school, which I ca n't afford. I was once again transferred. This time to XXXX in customer service. After explaining my situation for the fifth time I was thanked for being part of a military family and told that even though I 'm suffering through a financial hardship and that I just recently found a job that I still have to pay {$250.00} on XXXX XXXX, which is the new due date. After explaining to each person about my current financial situation and that on their website it says that Wells Fargo can help if someone is suffering through a financial hardship by setting up short-term payment relief for up to two months as long as youve consistently made your loan payments on time, payment relief for up to six months due to financial hardship, payment options if you are already past due on your account, loan modification program which may temporarily or permanently lower payment amounts. I was still told that I had to pay for the month of XXXX but I was never given an explanation as to why I have to pay the {$250.00} even though I have been suffering through a financial hardship since XXXX and only recently found a job.