WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo opened XXXX debit cards under my XXXX XXXX university state ID and then when I found out they closed all my account including credit card which is totally separate from Banking system and the manager at XXXX XXXX XXXX loc # XXXX Named XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX they were XXXX owned by XXXX XXXX and her sister XXXX XXXX XXXX sister. 
Then I had fraud department do the investigation and found out to be the above stated people are the one stole my identity. The money spenders were my uncle XXXX XXXX and XXXX XXXX
Greentree and now Ditech both have failed to properly apply extra monies from my monthly payments to principal. After numerous complaints to them to correct the issue I still do not have my account updated and corrected. 
- Writing how to apply funds on check and statement and mailing it. 
- Calling and having them to document it. 
- Using their website ( auto pay ) they took more than authorized twice. 
After going them the required 30 days to look into the matter, they sent me a payoff quote that was no different than what I could pull off their web-site. There was no adjustment and no comments on looking into the account.
On XX/XX/XXXX I rented a car with XXXX in XXXX FL airport. ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ) Rental agreement XXXX Confirmation No. XXXX. 
It was a XXXX XXXX  XXXX XXXX. Paid with VISA. XXXX XXXX No. XXXX with 24335 miles. At that time I only received the contract ( included ) but nobody walk with us around the car to check for damages and I did not see any, nor I received a template with the car and damages if there were any. I returned the car on the XX/XX/XXXX at XXXX XXXX  at the same location. An employee greeted me, walked around the car like checking it and asked if I wanted a driver to take me to the airline departure door. I was pleased because my son was just released from the hospital and he wasnt feeling well. I sat in the passenger seat and the employee-driver transported us to the XXXX  terminal in the same car. He opened the trunk and proceeded to unload our luggage. Gave him a tip and he left. One month later I received a call from XXXX  XXXX XXXX   : XXXX informing that I was responsible to pay XXXX $ for damages caused to the vehicle I rented with XXXX   while in my possession a d that I should send the check to XXXX   XXXX XXXX. I was surprised because I did not even see the damage nor I was contacted by XXXX  to informed me of this problem. I said I was not going to pay unless they sent me a prove that the car was in my possession when the damage happen and no after the employee returned the car to their office. This driver could have seen the damage when he opened the trunk to retrieve my luggage. He never said there was any damage in the car. Included is the claim from XXXX  XXXX, XXXX XXXX, Claims Recovery Assistant. I never received a claim from XXXX. They sent me the bill and a picture of the damage. 
I will appreciate very much if you can guide me in what to do with this claim since I think is not how the rental companies should operate. Who can assure me that it was their employee returning the car to their office who damaged the car. 
Sincerely
I had lived in California for about three years and had opened a Checking account with XXXX XXXX XXXX. I had NO outstanding balance owed to this credit union and they have unlawfully affected my credit score by claiming that I owe a balance to their banking establishment. I refuse to have this petty claim affect the credit records I have been tracking.
I have my mortgage with PHH Mortgage since XX/XX/XXXX. I recently declared a Chapter XXXX. My Mortgage Company Froze my account until the case was resolved which I understand is the correct thing at that point. However, As perXXXX/XXXX/XXXX, my lawyer as told me that '' All disagreements about my case with my mortgage company have now finally been resolved and I can now start to make a regular monthly payment ''. I need to know the correct monthly amount now and going forward. as well because my annual escrow statement was mailed to me saying my payment will change, so I am also not sure which amount to use {$710.00} or {$670.00} or something else? However the BIGGER issue when I have now attempted to make a payment and get the correct amount to pay they tell me the amount, no one at PHH Mortgage will except or let me make my payment. They say their system has not been updated on the case details and my account is still Frozen. Some of The departments with PHH Mortgage that I have tried to make a payment too are : ( Regular Service Dept, Loss Mitigation, Foreclosure, Default, Online, Their Attorney and they tell me if I mail a payment and the system is not updated they would not even take that. They would send my check back to me with a letter ). By Bankruptcy law, I must make all required payments as indicated and this payment is one of them. By blocking me from making a payment, I can have my case dismissed by the court.
Issue with Navient Student Loans - I refinanced my mortgage and closed XXXX XXXX, 2016. The escrow company sent checks to pay off my wife 's student loans. Navient cashed XXXX check, lost the XXXX one, and we found out a month later they did n't credit any of the monies against her account. But we had to call to have them send back the money they kept. 

We 've called like 10 times, spoken to supervisors, been sent to other departments, etc. 

Navient then returned some funds, so we sent XXXX more checks XX/XX/XXXX to clear the account. They cashed the checks but did not credit the accounts for the monies they 've received. My wife 's account then went into default, so we did a forbearance. 

A month later they said they sent out the checks to escrow. Three weeks later we called again and they said no they had n't sent the checks but were sending them out. Then weeks went by, no checks, and they said they still had n't sent them out, but they would. 

Now it 's XX/XX/XXXX, no checks, they said they sent the checks out again and no one has seen the checks. 

We just want them to take the money they have of ours and credit her account, credit her with the interest they 've overcharged her while they had her money, and be done with this and Navient! 

XXXX XXXX XXXX wife XXXX XXXX
I am filing a complaint with TransUnion,  XXXX , and  XXXX . After multiple attempts through mail, online disputes, and telephone calls I am unable to get unauthorized inquiries off of my credit report. I am sending out a certified letter one more time. If this does not work I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someone 's credit is for his firm offering credit, insurance, employment, or court order. With the different glitches that has been happening with the credit companies I feel that my inquire should be removed from my entire credit report.
Commonwealth finance posted a debt on my credit report in the amount of {$59.00}, stating that it was opened XX/XX/2018. I have received no correspondence in regards to that dept in order to confirm and pay it.
Completed Trial Mortgage Modification with Bank of America. Informed by Customer Representative additional money would remain in Partial Balance until full payment was transferable as payment. Received call on XXXX XXXX, 2015 from new Customer Representative asking about XXXX payment. Informed her that I would like money transferred from Partial Payment used as XXXX Payment. Customer Representative and I spoke to a couple of people, before we were informed that the money had been applied to Principal. I questioned why this was done after adjustments had been made after Trial period and requested to have money moved back. Heard circular reasons and Customer Representative being on the account as to why it could not be done. Customer Representative said she would speak with her supervisor. Requested she explain my concern, when she was not able to adequately explain my concerns, I requested her Supervisor 's name and number. Left message for Supervisor that was never returned. Customer Representative called on XXXX XXXX for scheduled follow-up. She apologized for prior Customer Representative giving me inaccurate information, but money applied to Principal was not able to be transferred back until XXXX payment was made and she was removed from account.
I borrowed {$500.00} and a month later I lost my job. I have been unemployed and explained to the company that as soon as I can get a job or find a way to borrow money I will pay them. I have been served papers to go to court despite the fact that I have no job. I can borrow {$10.00} a month from someone and pay but I was told I have to pay the full amount to avoid court. I have no way to do this. Im confused at why if Im willing to work something out why Im still being taken to court.
Good day, I received a notice via email that a collection had been placed on my credit file and the name attached was RMB Inc. I immediately went to the Internet to research the company and the phone number.I reached out to the company and spoke to XXXX. She verified me and said that a 1st and only letter was sent XX/XX/XXXX but that XXXX XXXX had told them to put the account on hold and it had been put on hold because I had requested financial assistant .I agreed! I never heard back from RMB. I filed for assistance and made several payment to Novant health. XXXX claimed XXXX tried contacting me but ( not true regarding application ) all the times I spoke to them, we never discussed my application. But I found out via email that they had already placed the account on my credit file. As of XX/XX/XXXX, RMB placed on collection on my credit file. As of XX/XX/XXXX, I had not received any denial letter from Novant health. 
I received a letter XX/XX/XXXX from XXXX XXXX stating that my application for financial assistance have been reviewed and did not meet the requirements Because I did n't send all the information in a timely matter, but if I receive a request for payment in the next 6 months, please contact the billing office to advise if there have been any changes in my financial situation. This letter was received in my mail XX/XX/XXXX and RMB had already placed my account for collection. 
They never contacted me with any payment plan, arrangements, or settlement. All they needed to do was contact me, tell me, XXXX said my application was denied and now collection procedures will start. They never gave me the option to pay them, make a settlement or even to make a payment plan, they just place the collection on my credit file with no responses or communication beside one letter XX/XX/XXXX,  which they were told to hold the account!! I have never denied paying this bill, I asked for help, which is the law and my right to do so, without some greedy collection agency going straight for my credit file. I have good credit, I pay my bills, now they have affected my credit without knowledge of why, without giving me my right to pay them first. My denial letter is dated XX/XX/XXXX, How can this be already on my credit report. I am requesting for it to be removed and for me to be given a 30 day notice again from the date of my denial letter and the lawful right to make a payment plan with this company. They violated my rights. Everyone just do n't haave {$600000.00} to pay right away on a hospital bill. This is why a collection company collects, by giving you as chance to pay the bill. If not they should not be collecting funds from anyone!! They are rude and nasty and have mistreated so so many. I will not stand back and let them mistreat me. I pay my bills and they have violated my credit rights by not giving me a chance to settle this bill before they affected my credit. I asked RMB to remove this debt and contact me directly, now that I have been denied assistance, I want to settle this and they have refused to remove the debt. I am willing to pay them when this is done the correct and lawful way. Remove the collection and contact me!
Good day : My complaint concerns Wells Fargo Bank and their continuing practice of corporate chicanery by various means. The following situation that I'll describe below is without question designed to bilk customers out of as many overdraft fees as possible and allow me to make this clear ... ... it is by DESIGN! The same scenario has happened multiple times to not only myself but friends and acquaintances who hold accounts there as well. It is not by accident. 


I had five ACH withdrawals that I knew would be assessed to my checking account this past Monday,XX/XX/XXXX. They were from two entities. Entity # 1 was for two small amounts ( {$20.00} and {$25.00} ) which were posted in the " pending transactions '' section in a timely fashion. I conducted business with entity # 1 the day before, Sunday XX/XX/. 


The other three transactions were from entity # 2. All took  place the previous FridayXX/XX/XXXX. The first transaction was conducted that morning @ XXXX XXXX in the amount of {$150.00}. The second transaction took place later that afternoon @ XXXX XXXX in the amount of {$79.00}. The third and final transaction occurred @ XXXXXXXX XXXX in the amount of {$83.00}. Remember that all took place XX/XX/. Only the MIDDLE TRANSACTION for {$79.00} was listed in the " pending transactions '' section creating a negative balance. I have until XXXX XXXX  to cover any negative balances by making a cash deposit either through an open branch or a Wells Fargo ATM. Knowing there was a good chance that they'd pull their systemic shenanigans I deposited enough money to cover all 5 transactions even though two of three ACH withdrawals for entity # 2 were not listed even later that same night ( after XXXX XXXX ) TuesdayXX/XX/XXXX( lo and behold ) all 5 transaction were posted MONDAY XX/XX/XXXX! 


This is criminal and as far as I'm concerned the officers of the Wells Fargo Board belong in prison. They'll never go there but that is where they belong. This is the same corporation ( with the same corporate board ) that was held criminally liable for a million counts of fraud yet nobody anywhere served a nanosecond of prison time which is obscene. They fired 6,000 employees as their corporate response to this as if all 6,000 employees who lost their jobs drank the same tainted water and coincidentally made the same criminal decision to defraud account holders. 


Fecal matter rolls downhill and the activities of Wells Fargo Bank are definitely part of a corporate culture that can only be described as disingenuous, corrupt, amoral and totally repugnant. Thank you.
XXXXEXPERIAN XXXXACCOUNT SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015
In XXXX I purchased a vehicle and became ill requiring immediate surgery. I had XXXX through my employer, ( I thought ), and they did not make the payments. Needless to say I was without a salary for XXXX months. During this time there was no way to pay the loan and the vehicle was repossessed XXXX. I got married and my husband and I were purchasing a home and the mortgage company noticed a change in the date this was originally reported. The date went from XXXX to XXXX. The mortgage company and I conference called with XXXX XXXX with the original creditor and they confirmed the date was indeed XXXX and the company the account was sold to changed the date. The company was contacted by my current mortgage company on my behalf and stated they would correct the information, however, XXXX of my new credit card limits was reduced because of the same company reporting as of XXXX this account is " open, '' which is not possible because it was written off years ago. It is not " paid '' but it is not open. This would imply that I have the vehicle. I have since obtained a vehicle and do not have an open account with them. I would really like this to be reported accurately because I have worked too hard to clean up things from past credit hardships and this information is being reported inaccurately. I would appreciate any assistance in this matter.
XXXX had reported a late payment by mistake last XXXX or XXXX of 2016. They have worked with me and they can show I was on an in-school deferment during this period and should not have had a late payment on my credit report. XXXX and XXXX do not show this delinquent payment and they have corrected my credit report. Transunion REFUSES TO MAKE THE CORRECTION! They also refused to talk to the XXXX supervisor on XXXX on a conference call so he could verify the correction from his company. Transunion is purposely and intentionally damaging my credit report and they have caused me to have a higher interest rate on my car payment and I have been refused credit and a mortgage due to this intentional act that I want corrected immediately.
I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, AND XXXX and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you
I previously filed a complaint, Case number : XXXX, and disputed the response from the Mortgage holder, but I do not see it on the record. 
Two things : 1. It is true that SPS has now offered me mortgage assistance and I am in a 3 month trial program, paying about {$1300.00} a month. I am glad to be offered the option to stay in my home, but the information I provided to SPS shows my income, from a part-time job because I have not been able to find full-time employment, is about {$1600.00}. A bit unrealistic to offer me an option that leaves me nothing on which to live. 
2. The response from SPS about why my mortgage is so high, higher than the purchase price, after more than 20 years remains unanswered. It was stated that I purchased the home in XXXX for {$180000.00}. Incorrect. The property was purchased in XXXX for {$140000.00}. I 'd like to an answer. 

Thank you.
I have contacted Experian by certified letter, telephone, and online requesting the agency correct my information to reflect accuracy in accordance with the FCRA. To date, 31 days later, my report remains the same as when I originally filed my complaint. Experian has sent communication indicating my credit file is accurate and I must contact creditors who made hard inquiries to challenge authorization/validation. I never made these inquiries. Why would it be my responsibility to contact someone I have n't done business with, have n't requested credit from, have n't provided my personal information, or authorized their inquiry? Under the FCRA, I believe Experian has violated my rights as a consumer and is abusing their role with inaccurate reporting.
I have attempted to resolve this debt with this collection agency. They have told me that they can not locate my file. I have sent them my FTC report and police reports but they tell me that I do not have a debt with them. However is that is being reported to the major credit bureaus
I opened a prepaid business credit card with XXXX XXXX XXXX in XX/XX/2018. My initial deposit was {$500.00} for a credit limit of 90 %, which is {$450.00}. I made subsequent deposits inside a branch on the following dates : XX/XX/XXXX added {$250.00} XX/XX/XXXX added {$50.00} ( I was told by branch manager limit should become {$800.00} today ) XX/XX/XXXX added {$500.00} Today, I returned to XXXX XXXX XXXX   at XXXX XXXX XXXX XXXX XXXX, Tx XXXX. The branch manager didn't even acknowledge me, even after speaking with each other last Thursday XX/XX/XXXX. My credit limit remains at {$450.00} and no one can tell me where the other money is! 
I spoke to XXXX XXXX. She called the business credit card department in XXXX Alabama. She was able to send an email to an underwriter. We agreed to send a hand written letter to the underwriter. No response.
I have been told I have a Chase credit card. However I have never applied nor received one. I have been called and told it is hands of collection company and is showing on my credit as bad. How can I remove it? I have tried talking to chase and the collection company with no respect.
On XX/XX/XXXX I had a balance of $ XXXX.A check for {$32.00} was cashed causing an overdraft of - $ XXXX.My account was charged a {$36.00} overdraft fee causing a negative balance - $ XXXX.I called the bank and they refused to reverse it! The fee is 7 times more than the negative amount! On XX/XX/XXXX I had a balance of {$49.00} two checks came in one for {$30.00} and one for $ XXXX.The bank put the {$93.00} first and the {$30.00} second causing 2 overdraft fees for $ XXXX.If the put the {$30.00} first I would have only paid one fee! I admit I overlooked the first check.
After having a banking relationship with Chase for many years, my checking account became used by someone utilizing ACH or international wire transfers. It may have happened after my computers got stolen during a burglary at my home just prior. At first I called the company, and they would not provide information, then Chase directly after the police had conducted their research. I was notified only transactions within a 60 day period would qualify, and although there were a few just touching, or outside that period, I understood the " timely manor '' issue. Even though, I was somewhat relying on the police to find the fingerprints, and catch whomever it was. 
The trouble began on my very first call XXXX XXXX, to report the fraud, the representative only took XXXX item down, to file as fraud. In reality we discussed about XXXX-XXXX transactions. At this point my account had been over drafted XXXX dollars! She told me within 3 days I would see a provisional credit during the investigation, and then paperwork to fill out. 3 days went by, and only XXXX credit was applied, and spent several hours with several reps, adding the additional money transfers one by one. They ( for some reason ) created a case for each item. 
I complied with their request for information, and the forms signed. I was issued a credit, later to find out, that there were still fraud transactions being processed through my account, from the same company. I called to notify them, and an agent in the disputes department, " XXXX '' decided that all these were valid charges somehow ( almost {$5000.00} ) even though I have never in my life performed an international money transfer. I explained about the break in, she stated she did not care, she was reversing every credit previously applied. I asked her why? It seemed very personal, she became angry, short, and rude, and told me she believed I did the transactions. It was a complete nightmare, of chaos, disorganization, and mistakes from representatives from then on, until my account was closed, without notice, because I told them they were violating the Fair billing act.