WillisBack/dataset-financial-user-claim huggingface dataset:
Thursday XX/XX/XXXX I went to my Wells Fargo branch, talked to a personal banker, and requested a wire transfer of {$9500.00} to the XXXX. He completed the form with the information he requested from me, sent it to the wire transfer department and told me it would take about a week. At XXXX we had completed the transaction. 
Thursday XX/XX/XXXX I went to the branch again and talked with the same banker. I had expected the money to have arrived in the recipients bank account. He called the wire department to check on it and told me that he thinks it takes 7 working days not calendar days. He told me the wire department said they had not had the funds returned so that was a good sign but they did not appear to know where the funds were. He said it may arrive as late as Monday XX/XX/XXXX. It did not arrive on the XX/XX/XXXX. 
Tuesday XX/XX/XXXX I talked to a banker on the phone and said I wanted to file a complaint. She said she would look into it and that they could put a trace on it if I wanted, and that usually they charge for that, but she would waive the fee. I also asked for the wire transfer fee to be returned since they had not provided the service as described. The {$35.00} wire transfer fee has been refunded. 
Wednesday XX/XX/XXXX I went into the branch again. I was concerned that Wells Fargo might not have collected all the necessary information to complete the transaction. I took the information with me and talked to a different banker suggesting that maybe the transfer failed due to incomplete information. I offered to provide additional information ( twice ). The banker did not respond but contacted the wire transfer department. She informed me that the transfer takes 8 working days and that the transaction was not initiated until the XX/XX/XXXX. This was news to me. I understood it was initiated on the XX/XX/XXXX when I requested it and the money was removed from my account. It was already the 8th day. I was told the trace would take 3 days and she would call me when the money arrived. I asked to be updated each day. I also talked to the branch manager and expressed my concerns about lack of training in the bank, lack of service, and poor processes. 
Thursday XX/XX/XXXX the banker I worked with initially emailed me, said he had escalated the complaint. He copied the branch manager and someone from the customer resolution service. I responded to all. As of end of day Monday XX/XX/XXXX neither of them contacted me. 
Tuesday XX/XX/XXXX I emailed the branch manager to escalate my complaint and ask for the name of his manager. He provided her contact details. He did not acknowledge that I had requested a refund. His message suggests he is still waiting for the transaction to occur : I will review your account tomorrow. If the funds are not available, I will contact our wire department again. 
I responded to him and his manager saying that this was unacceptable. I asked his manager if she intended to play any part in resolving the issue.
I have filed fraud activities with my Discover Credit Card, I have provided suspect information along with police report. Discover sent me a letter stating investigation completed and removed all unauthorized charges, however they charged back to my account in couple of weeks later. They did not investigated properly.
I had requested XXXX to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
XXXX XXXX made a hard inquiry on my credit today without permission. 

XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
I have tried to dispute this unverified account with National Credit Systems. It has been 30 days since Ive sent a debt validation to this company with no response. I am led to believe that this company is reporting under two different addresses ( as shown in the attached pictures of my credit reports ) to defer the validation process. This is an unethical tactic. A consumer should be supplied with accurate and concise information to validate. I, as a consumer should not have to ASSUME which address is correct. Reporting should be accurate across each three bureaus. They are not in compliance of accurate reporting or allowing consumers to successfully validate debt. Under the FCRA laws this company has to remove the debt.
Macys account opened XX/XX/XXXX closed unpaid with balance of {$1300.00} and charged off as of XX/XX/XXXX. One Late payment submitted XX/XX/XXXX. And additional late payments being reported there after starting from XX/XX/XXXX to current date. 3 credit disputes through credit bureau 's and through Macy 's directly. Account over statute of limitations to make payments and I 'm pressured to make voluntary payments for account to be accurate. How am I late on an account that has been charged off? XXXX XXXX card had been paid with XXXX balance since XX/XX/XXXX and i am being reported late since XX/XX/XXXX how am I late on an account that is closed and paid?
In early XX/XX/2018 I called the Discover XXXX number to speak with a customer service representative. I inquired on the steps I would need to take to request an increase in credit since I had made all payments on time each month for the past year. I currently had a limit of {$200.00} ( that I had paid for a year ago ) and was told that I would need to show {$2300.00} in my bank account in order to request the max limit of {$2500.00}. This CSA told me that Discover would withdraw the funds from my account and return within 8 business days after the credit limit increase was completed. I waited a few weeks to call back and complete the application over the phone. The second CSA told me the same information, that I would receive a check in the mail within 8 days to refund me not only the {$200.00} I previously paid a year ago but also the {$2300.00} that would then be withdrawn from my checking account if I am approved for the increase. She then asked me many questions and submitted my request. I was approved for the max amount and was excited to receive this increase as I was in the process of building my credit. This limit increase from Discover definitely increased my credit FICO score and I was happy with my decision. I waited a few weeks for my {$2500.00} check from Discover to arrive. I had not received it so I contacted their customer service line for a 3rd time. This CSA encouraged me to be patient and made it very clear that my {$2500.00} check was on its way. I then waited an additional few weeks to all back again. This time, the CSA informed me that I've been given false information by previous reps and that I would need to wait a full year for my account to graduate to an unsecured card or either close my account and then the check would be sent to me. Her manager also reiterated the same thing. I declined because I had no reason to close this credit card account and have to endure a major credit score drop. I was extremely mislead and and deceived by Discover CSA 's. I reached out to corporate a few days later to file a complaint. The account manager informed me that he would need to investigate the previous calls and get back to me on how to proceed. I finally spoke with this same guy after two weeks. He admits to me that he listened to the calls I had with the CSA agents and confirmed that I was given false information and that I would not get my money back. He offered me a {$100.00} credit to the account and said that he would be sure that these agents received coaching to be made aware of the processes and guidelines that Discover has. I declined the credit and informed him that I would escalate matters. I truly hope that the Federal Trade Commission resolves this issue and has Discover send me my {$2500.00} back instead of keeping my money. I have been completely mislead into requesting this increase and am not ok with them keeping my money.
On XX/XX/XXXX, I sent an affidavit ( Attached below ) concerning some inaccurate accounts, addresses, and names reporting on my credit profile they maintain under my social security number. 

This information is reporting is incomplete and can not be verified under the accurate method of verification under 611 ( a ) ( 6 ) and ( 7 ). Section 607 ( b ) requires you to maintain " reasonable '' procedures to assure maximum possible accuracy. 
In the judgement of XXXX vs XXXX, reasonable procedures to assure maximum possible accuracy '' of my credit report should be insured. See 15 U.S.C. 1681e ( b ). 
Under FCRA within 15 days it must be re-investigated 611 ( 6 ) ( B ) ( iii ) to permanently delete the inaccurate and incomplete accounts that are being reported on the credit profile maintained under my social security number. 

For the record : My name is XXXX XXXX ( see attached drivers license ) and my address is : XXXX XXXX XXXX XXXX XXXX, XXXX MS XXXX Please remove all other name variations and addresses from my credit report as they are not reportable per the FCRA, and inaccurate. Remove all other reporting addresses listed below that should be deleted from my credit file that I never resided in, and may possibly be listed on my credit report due to fraud. Enclosed are my Notarized drivers license and recent bank statement verifying my address and identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX Account Number XXXX Incomplete Account Number Closed Account Reporting as written off Incorrect High Balance {$1200.00} Reporting XXXX XXXX XXXX Account Number XXXX Incomplete Account Number Invalid Furnisher Reporting XXXX XXXX Account Number XXXX Unverified Account Inaccurate/Unknown Account XXXX XXXX XXXX  Account Number XXXX Inaccurate Account Number and High Balance of {$610.00} Reporting Inaccurate Reporting as " collection '' account was closed
I HEREBY DECLARE MY INTENT TO SUE. 

Despite my previous mail correspondence, your institution has failed to investigate and rectify errors contained on my credit report. Thereby you have violated the Federal Credit Reporting Act, due to which I have lodged complaints with the Federal Trade Commission and the California XXXX. I am allowing you 30 days to rectify the erroneous information ; your failure to do so will result in my filing suit against your institution. 

INCORRECT TRADELINES : 1. Enhanced Recovery Company ( ERC ) -- -Ac # XXXX # XXXX ... This item is inaccurate because the creditor nor ERC furnished proof that this debt is mine. I am requesting that the item be deleted to correct the information and an updated credit report be sent to me. I am enclosing a recent credit report, which indicates that this account continues to reflect on my credit report. 

I intend to file a suit against Enhanced Recovery Company and XXXX XXXX XXXX in small claims for removal of erroneous information on my credit report. In your investigation, I respectfully request that you forward to me a description of the procedure used to determine the completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act. 

I thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX. 


Sincerely, XXXX XXXX
Account is paid off. Court records state that and have last payment proof. Put on credit report as in collections.
I have a ROTH IRA account with Capital One 360 ( originally XXXX before it was purchased ). It is not displayed under my account log in, and there is no way to access it through the online banking portal. I would like to take a qualified distribution from the account. I am not being allowed to set up a distribution over the phone and I can not get them to mail me a letter to make the distribution. They are telling me I need to do it online, but there is not option to make the distribution online, nor is the account even listed online. I have been on the phone with them for 2 hours and been 'verified ' multiple times but continue to transfer me and put me on hold in an effort to get me to give up.
XXXX  has been non-compliant with removing the unverified account DISCOVER BANK which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
This debt is not mine. First, XXXX XXXX XXXX tried to collect I requested verification of the account, the information was not provided. Now, I received another collection letter from a different company for the same debt.
I was an XXXX XXXX XXXX XXXX customer but I closed the account in good standing in XX/XX/2010. Today I received a letter from EOS XXXX claiming I owe XXXX XXXX XXXX some {$140.00}, and If I pay by theXX/XX/XXXX, I only need to pay {$100.00}. I immediately called XXXX XXXX XXXX and they put me in touch with their collections department who found nothing with regards to my account. Infact the only information they have is account being closed. This is very disconcerting as EOS XXXX is making a false claim for a debt that is not owed. I am writing this request to bring to your attention the fraudulent practices of EOS XXXX which I have read on the XXXX XXXX XXXX community forum as well as many a people have been scammed by them. Here is the link. 

XXXX XXXX  XXXX
I request a payday loan for {$1000.00} with BigPictureLoans.com, my understanding was that the amount to be repaid would be {$350.00}, plus the amount borrowed. BigPictureLoans has attempted to charge me {$350.00} for several months, making the repayment amount thousands of dollars. This is illegal.
I have an unauthorized Wells Fargo credit card account I just discovered. I do n't see that there has been any activity on the account, nor any fees that I can see. But it 's a {$2000.00} credit limit I did n't ask for.
I have been contacted first saying and paying for one year {$1.00} so my loan would n't go into default. I 've called them on several occasions explaining to them that I am a single mother of XXXX but XXXX live with me the other is serving in the XXXX they say they will send me papers to help me with my student loan yet I never received anything. I receive medical food stamps and am on section 8 I have explained to them I am in financial hardship yet still I have n't received any paperwork from them all they do is keep charging interest it 's ridiculous.
There is wrong information on my report :  XXXX   XXXX  > I have never paid late this account, insurance paid late   XXXX   XXXX    XXXX   XXXX  > I have never paid late this account, insurance paid late
Everytime I get ready to use the card it works then after one purchase it doesn't and I have called numerous times to get it fixed and was assured I would not have a problem but now it doesn't work cause my number is not on a fraud alert but it has been working in the past my number is on my fraud alert but they say it's not I even removed the fraud alert but they still won't unblock my card.
I have filed for bankruptcy chapter XXXX, in XX/XX/XXXX. The bankruptcy was dicharged XX/XX/XXXX. I have my paperwork with me for proof. XXXX, XXXX have been reported with my bankruptcy. Although, Experian has not report on my credit report for my bankruptcy. How is that two credit bureaus do report for my bankruptcy, but not experian makes no sense. First, I called and I was told they have not been informed of my bankruptcy, so I mail in the diacharged papers of my bankruptcy chapter XXXX called and confirmed that they have received the paperwork and will proceed on with what needs to be done in the process. Call a month later still has not been resolved or has been reported on experian of my bankruptcy, call the following month still experian has not updated my credit report for bankruptcy ask to speak with a supervisor, I advised bankruptcy is a publi record and they can see I have filed for bankruptcy chapter XXXX  she confirmed that they were able to find my name on the public record for chapter XXXX. They gave me an excuse of well we get a a bundle of people of that file bankruptcy so we must of missed your file, and when they were aware of my bankruptcy my file was already closed but they were never informed I went through bankruptcy it does not make sense!!! At all its horrible not accepting they drop the ball at all, just admit we drop the ball and made a mistake we will fix it but no now they want me to call the courts and find out how they reported or file my bankruptcy im not doing their job for them its been five months experian is not willing to help me giving me the run around no phone etiquette at all!!! Not willing to help!!! They have access to the court records!!! This is bad reporting and obviously dont want to correct their mistake!!!!!!! I will contact my lawyer is this is not resolved i have called for the past week constantly and no help at all just giving me so many excuses
I am currently in the process of attempting to get a mortgage. My mortgage was originally derailed in XX/XX/XXXX when an account for a collection from XXXX XXXX XXXX showed up on my credit report, which tanked my score. This account was reported to my credit without the collections agency ever contacting me via phone or at my current address. I called the collections agency to clear this up, the agency admitted that they were in the wrong, and they agreed to delete the account from my credit report. This was on XX/XX/XXXX. I have made multiple follow-up calls to the credit reporting agency to inform them that the account is still on my credit report. They assured me they sent the deletion notice ... once on XX/XX/XXXX and again in XX/XX/XXXX. Still, the account remains on my credit. I contacted Experian to resolve this over the phone after the collections agency sent me a letter confirming the deletion. Experian said that in order to even look into the issue, I would have to file a formal " dispute. '' I explained that I could not do that as it would further delay my getting a mortgage because the dispute process can take up to 30 days and that the bank will NOT issue a mortgage with an open dispute on my credit report. Experian 's representatives and supervisor subsequently refused to do anything about the issue, saying I would have to file a dispute. This is despite my offering to furnish the letter from the credit reporting agency, or to join in a conference call with the agency to confirm deletion of the item. Experian wants me to engage in a dispute process that could take 30 days and will further delay the mortgage, after their error, and the error of the credit reporting agency. I want this account OFF my credit report NOW or I want damages for the full value of the mortgage, rental incomes into perpetuity, and damages for intentional infliction of emotional distress.
I financed the purchase of   XXXX    XXXX  through CARECREDIT / SYNCHRONY BANK for {$2100.00}. Apparently, when I enrolled in autopay, I selected the option to have the Statement Balance deducted instead of the Minimum Payment Due. I discovered the issue when my checking account was overdrawn. I reported the issue to CARECREDIT / SYNCHRONY BANK in an  18 minute 3-second phone call  on  XXXX   XXXX ,  2017. Thre  e  weeks after reporting the issue I have not received a refund. I called two more times and filed a written complaint to   XXXX   XXXX   XXXX  .     I was originally told it would ta ke 8-15 da ys to process a refund. Most recently I was told the check had been mailed and that I could report it as missing and they would process the refund again after they verified the check had not been cashed. In other words, the process would begin again. It is inconceivable to me that a financial services company would send a check for more than {$2000.00} without any tracking.     In short, CARECREDIT / SYNCHRONY BANK has been inordinately slow, irresponsible and negligent in processing a refund. In the meantime, I am paying interest for {$2100.00} overdraft protection through my bank. I would greatly appreciate it if you could persuade CARECREDIT / SYNCHRONY BANK to expedite the refund process and send the check with overnight delivery and tracking.
I paid for a hotel stay in XXXX 2016 with my Discover card, and subsequently disputed the charges based on the mold and other health issues in the room, lack of promised services, and property theft by hotel staff. Discover processed the dispute, placed it in my favor by completing a chargeback, and then reversed it today claiming their charges were correct. I have disputed this several times with the company and with Discover, and Discover refuses to handle the issue professionally and appropriately.
Central Credit Services continue to harass me over a {$100.00} balance owed on a workers comp claim. Work Comp has already said they are going to pay it. 
They do n't want to hear it. They keep insisting it 's my debt and give them my debit card or credit card so we can not have a further problem. They threaten to ruin my credit and continue to harass me all the time. They are ruthless.
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : Original Creditor NameXXXX XXXX To Whom It May Concern : This is my 3rd and final  attempt to try to remedy this incorrect reporting on my credit report. I have reached out to your company and you have failed to respond back in a timely manner. also, you failed to provide an account number on this account. 
This letter is regarding account # XXXX XXXX, which you claim i owe you. 
This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX