WillisBack/dataset-financial-user-claim huggingface dataset:
An unauthorized purchased was made to my savings account, I contacted the merchant and they immediately reversed the charge made by XXXX Merchant. Wells Fargo charged me {$35.00} fee. Called to reserve the Overdraft Protection Fee, because no service was render because service was n't authorized to be made because the charge was authorized. Wells Fargo agent over the phone said the fee was legit because I did n't have funds to cover transactions. I asked the agent if the transaction was reversed, Agent said yes, XXXX did not collect {$16.00} because they reversed it because it was authorized. Agent offered partial refund of {$26.00} for the Fee of {$35.00} leaving a debit of {$8.00}. I asked the agent why they did n't refund entirely because no service was render, she said it was legit because service was rendered. I told her, no, Wells Fargo got the money. She said no. I asked her several questions in which she admitted no service was render and the fee was " unnecessary '' because it was unauthorized. Although Agent could not herself refund entirely. Well Fargo sets high restrictions preventing employees to correct legal issues when unauthorized transactions take place, Wells Fargo penalizes consumers when unauthorized transactions take place from bank accounts that are forcefully attached to their XXXX account through a contract between Wells Fargo and XXXX allowing XXXX to add all banks accounts from consumers. XXXX account had an unauthorized charge, XXXX reserved charged. Wells Fargo received charged of {$16.00} by XXXX but was reserved by Merchant. Wells Fargo charged bank account holder {$35.00}, reduced it to {$8.00} when I complained. Wells Fargo Agent over phone said it was " unnecessary '' for the fee but under restrictions set by Wells Fargo was unable to provide the full refund to a service that was never rendered/authorized. Wells Fargo Agent made every attempt to place the blame on me, but after questioning the agent through a varies of legal questions whether a bank can legally place a fee on an unauthorized bank transactions, she could not defend the company. Admitted it was " Wells Fargo '' who placed the fee on the transaction, but admitted it was n't the consumer 's fault because the fee was " unnecessary. ''
I got my car through XXXX in XX/XX/XXXX. My car was written off as a charge off in XX/XX/XXXX. I got no letters, calls emails or anything. When I logged onto my account online my account is no where to be found. I get an error message that states there are no accounts with my credentials. My car was recently taken by the repo man on XX/XX/XXXX. I did not receive any calls saying they were looking for my car or wanting to begin a new payment plan.
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. It has been 60 days since I mailed that out, and under the FDCPA, the debt collector had 30 days to respond, and did not, which is a violation of the FCRA and FDCPA. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ) and XXXX XXXX XXXX has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. In addition to this, they're reporting that they originally purchased this collection on XX/XX/2013. We are 10 days from the statute of limitations running out, even if this was a real debt. Title 4, Chapter 16 of the Revised Code of Washington ( RCW ) outlines the various statutes of limitations for debt collection in the state. RCW 4.16.040 gives written contracts and accounts receivable a statute of limitations of 6 years before the unpaid debt becomes time-barred. RCW 4.16.080 stipulates that oral contracts have a statute of limitations of 3 years. Thank you for helping me resolve this matter.
FirstMerit recommended that I turn on overdraft allowances to my account so that I can overdraw and they will let me but charge a fee. I did opt in for this. In their Online Banking, it talks about what a great program this is for you and why you should use it. They are just scamming people into entering a program to steal our money basically. I made a few transactions with my debit card and there were plenty of funds in my account to cover them. I then waited a few days and then withdrew {$140.00} at an ATM, knowing that I was going to use the program and overdraw my account and be charged a {$35.00} fee. In my Online Banking then, everything posted just fine. Every transaction that had been done days before the ATM withdrawal were listed and a positive balance listed after. Finally, another day later the ATM transaction showed posted to a negative balance. The following day I was charged XXXX {$35.00} overdraft fees totaling {$240.00} in a negative balance on my account. This is absolute robbery and they refuse to refund my funds for no real reason at all other than having had XXXX fees waived in the beginning of the year already. Those fees were done in branch error and were refunded because it was their fault. So no courtesy waiver was ever given to me, which this is n't even a courtesy waiver! They can not charge XXXX overdraft fees for XXXX overdrawn transaction that was done days after any other transaction and after their cut-off processing times anyway. It 's ridiculous to think that banking regulations would allow such a robbery from the public. But even so, the ATM withdrawal was days after anything else so it should have caused the only {$35.00} overdraft fee. I 'm more than happy to pay this fee, as I did withdrawal these funds in excess of my account balance. But I did this because the bank told me what a great opportunity this program was to be able to do that now and then. I never would have signed up if I knew they were using such deceptive processes, as to turn a {$130.00} overdraft done by XXXX transaction days after anything else into a negative balance of {$380.00}. I followed their recommendation and now it 's going to take my entire paycheck nearly and I do n't know what I 'll do when it should 've been XXXX simple fee since it was done so long after anything else and only XXXX transaction overdrew.
XXXX XXXX has been using " ghost '' collection agencies to continue to harass me for months. XXXX, XXXX XXXX, and Stellar Recovery are in fact XXXX XXXX employees falsely claiming to be collection agents. What they are doing is making an end run around the Fair Credit Reporting Act. Notwithstanding my best efforts XXXX XXXX has yet to provide me with written proof of this debt even after multiple written requests for this information. Stellar Recovery has called my cell phone over XXXX times and has yet to provide me proof of this debt.
On XX/XX/XXXX, I opened up a business checking account at Wells Fargo in branch with a business banker. There was a promotional offer for a {$500.00} bonus after meeting a few requirements. These requirements included depositing at least {$2000.00} within 10 days of opening the account, having a minimum {$2000.00} balance on day 60 after opening the account, and posting 5 transactions by day 60. The banker gave me a statement showing that the new account was opened with the promotional offer attached, and the minimum {$2000.00} was transfered into the account on XX/XX/XXXX. I met all the requirements on day 60 ( XX/XX/XXXX ) and then waited for the {$500.00} bonus to post to my account. After several days, I messaged Wells Fargo inquiring about the bonus, and they replied that it will post within 30 days after meeting the requirements, which is correct per their terms in the offer and should have been executed by XX/XX/XXXX. I then inquired again, and they replied back that it will now post within 45 days ( XX/XX/XXXX ) from meeting the requirements, which is already against their own terms & conditions. On XX/XX/XXXX, I went into the Wells Fargo branch and met with the same banker I opened the account with. He went through my transaction history and confirmed that I met all the requirements and then spoke on the phone with the back office where they stated that my initial deposit was invalid. The banker then proceeded to escalate the issue and said that he would get back to me in a few days. I also then inquired Wells Fargo through their online system, and their online customer service was now saying that the account was never opened with the promotional offer. I have a paper statement showing that the account was indeed opened with the promotional offer, and I also inquired with my banker again, and he confirmed too that the account was opened properly. Messaging with other representatives, they were all coming up with various different and contradicting reasons on why the bonus had not posted and Wells Fargo seems to be dragging their feet on the issue. After day 45 from meeting the requirements, the {$500.00} bonus still has not posted, and I feel incredibly deceived by Wells Fargo.
I have disputed the following accounts month after month and the 3 major bureaus investigation concluded that accounts has been verified. Verified by who, when, where. And where is the physical documentation of these findings. I'm requesting the Method Of Verification as my right via FCRA. The following accounts are ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, {$760.00}, ( 3 ) XXXX XXXX, {$150.00}, ( 4 ) XXXX XXXX, {$56.00}, ( 5 ) XXXX XXXX XXXX, {$510.00}, ( 6 )  XXXX  XXXX XXXX, {$32.00}, ( 7 ) XXXX XXXX XXXX, {$53.00}, ( 8 ) XXXX XXXX XXXX, {$29.00}
I have submitted a request to delete some items from my credit report to Equifax via certified mail. It has been over a month. These items resulted in identity theft from creditors that I do not know about. I was also a victim of their very own data breach. 

The accounts that are fraudulent and I have even filed a police report for are the items below. 

XXXX XXXX XXXX XXXX XXXX XXXX I sent in a notarized affidavit stating that these items are not mine. ACCORDING TO THE FCRA 605 B, EQUIFAX IS SUPPOSED TO BLOCK THESE ITEMS WITHIN 4 BUSINESS DAYS. WHY IS IT THAT EQUIFAX IS THE ONLY ONE BREAKING THE LAW. XXXX  AND XXXX  COMPLIED BUT WHY ARE THEY TAKING IT UPON THEMSELVES TO VERIFY A FRAUDULENT DEBT. THIS IS ILLEGAL AND VIOLATES MY RIGHTS AND VOICE IN THIS MANNER According to the FCRA 605 B ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
I received a letter from Chase stating my payment XX/XX/XXXX was not credited and requested I send proof of payment. I inquired with my bank and my bank sent statements XX/XX/XXXX verifying we did in fact make a payment XX/XX/XXXX. I was unemployed XX/XX/XXXX and called Chase stating so XX/XX/XXXX, we paid {$810.00} XX/XX/XXXX, we made XXXX payments in the amount of {$810.00} XX/XX/XXXX to cover the missing month and paid {$810.00} XX/XX/XXXX payment. I faxed the same information the bank faxed XXXX, she called me and left voicemail stating she was having the payment credited to have issue resolved. I made XX/XX/XXXX payment XX/XX/XXXX, it has not been credited to my account. Chase is still showing we are behind XXXX payments despite my proof of payment and continuance to make payments. I desire for Chase to resolve the error and credit my account on the day payments are received, credit the payment made XXXX/XXXX/XXXX immediately and send me a letter verifying we are not in foreclosure status and the account is current. Further I have called the representative Chase is stating is able to help only to be told another representative is handling this situation. Names I have been given, XXXX XXXX, XXXX XXXX, XXXX XXXX. The name provided in the response to my initial complaint XXXX, I have yet to speak with her and was told XXXX XXXX was handling my complaint when I called and asked XXXX. When I called and asked XXXX I was told XXXX XXXX was handling my issue. Who is really handling my issue? I have been passed around to multiple representatives without resolution despite my diligent effort to resolve this issue and providing bank statements and a letter from the bank. My bank has faxed the XXXX pages of bank statements and letter to XXXX separate fax numbers at Chase in an effort to have this resolved. The lack of closure has me concerned we are in danger of losing our home.
FINANCIAL SOLUTIONS PROVIDERS out of XXXX Florida have been calling me repeatedly at work and on my cell after theyve been told to stop several times. They leave intimidating and threatening Voicemails saying my wages will be garnished soon etc. Ive talked to more than one person from here and all have been very unprofessional. They called my work several times and this last time the head of HR told them not to call back. They even called my place of Employment to file a complaint against me for using racial slurs against them. IMO if youre calling to harass me and my place of work everyday after being asked to stop Im not gon na be nice for long. Its always the same Guy who calls his name is XXXX XXXX but today XX/XX/XXXX he left a voicemail claiming he was a Mr XXXX XXXX .... but it was clearly Mr XXXX. When I called him out on it he hung up on me. I called them back and he answers as Mr XXXX XXXX lol. Another time when I called a woman there pretended to be with the XXXX Sherrifs Department. I called another time and a XXXX who claimed to be the Manager said he was going to file a complaint against me with the sherrifs Department for calling them 48 times and using racial slurs. The one time I did call them probably 20 times or just under but certainly not 48. Again, if youre gon na harass me Im gon na harass you. I was conned by a Dealership, whom the owner was who sold me the car was sued for over 100,000 for lying. It was a XXXX XXXX XXXX for {$9900.00} which I paid paid over 5,000 on. The thing was a total lemon, and the Dealer refused to fix it. I could not afford to fix it plus pay a XXXX a car payment, I told them to come get it. The Vehicle only sold for {$1500.00} at Auction and needed that much in Repairs.  Its beyond hilarious that they expect me to pay the difference so somewhere around XXXX. The XXXX was never worth XXXX to begin with and according to XXXX XXXX XXXX it should certainly be worth more than 1,500 even in bad shape. So the fact thats all they were able to get for it says a lot, like its a piece of XXXX in need of multiple repairs. I hope these XXXX  file to garnish my wages, the way these XXXX debt collectors have acted, plus the scam of a Dealership it came from I feel pretty confident.
I have tried on multiple occasions to try and get information correct on my credit report. XXXX continous to report and address XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XX/XX/XXXX I have never lived at this address or in that town and the apartment has sent this to collection with XXXX XXXX XXXX to collect on a debt that is not mine. I also believe that this collection is over the seven year mark too. I have also written to XXXX XXXX and the two Bureaus Transunion and XXXX concerning the balance that continues to be reporting. This was a voluntary repossession in XXXX. The car was sold and the new balance was never reported and the bureaus refuse to investigate the account.
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Portfolio bank continues to add and remove collections illegally. I have asked for any viable evidence, bearing my signature, showing the account is being reported accurately and recieved nothing. filed a ftc id theft report and yet the harassment and credit hits continue
There are many inquires and accounts that are on my credit report that have been open or pulled without my consent. There are XXXX judgements that should not be on there. I went to circuit court and they dont know where they even came from. I disputed this in the past but they still reside on my credit report. I also have numerous inquiries that I am not aware of that are on my report as well. Along with an account for XXXX and XXXX and XXXX that show on my credit report as well. And I have also disputed these accounts as well and they still have not been removed from my credit report.
I HAVE REPEATEDLY TRIED WITH ALL THREE CREDIT REPORTING BUREAUS AND MY STUDENT LOAN SERVICER TO CORRECT INACCURATE PAYMENT INFORMATION THAT IS SHOWING ON MY CREDIT REPORTS, MULTIPLE TIMES TO NO AVAIL. ARE THESE COMPANIES OUT OF THE SCOPE OF THE LAW? REPORTED INFORMATION ON CONSUMER CREDIT REPORTS HAS TO BE 100 PERCENT ACCURATE AND TRUE. I HAVE DOCUMENTATION SHOWING MY STUDENT LOANS ACCOUNTS WERE IN FORBEARANCE DURING THE TIME THAT IS SHOWING LATE PAYMENTS. 

ON THE OTHER HAND THE GENERAL PAYMENT HISTORY INFORMATION THAT IS REPORTED IS NOT EVEN CORRECT OR ACCURATE INCLUDING THE ERRONEOUS LATE PAYMENT INFORMATION. THE PAYMENT HISTORY GOES FROM ONE MONTH BEING CURRENT TO THE NEXT MONTH BEING 90 DAYS LATE. HOW IS THAT POSSIBLE IF ALL INFORMATION IS SUPPOSED TO BE ACCURATE. NO ACCOUNT CAN GO FROM BEING CURRENT ONE MONTH AND THEN 90 DAYS LATE THE VERY NEXT MONTH. IT ALSO HAS MANY MONTHS THAT THEY DID NOT REPORT ANY INFORMATION, AGAIN HOW CAN THAT BE POSSIBLE? THAT DOES NOT MAKE ANY LOGICAL SENSE IN ANY FORM. I AM REQUESTING MY ACCOUNTS BE THOROUGHLY REVIEWED AND UPDATED WITH FULL PAYMENT HISTORY AND ALL LATE PAYMENTS BE REMOVED AS I WAS NEVER LATE ON THESE ACCOUNTS.
I had a wire transfer sent from XXXX to my account at Wells Fargo. The money left XXXX on XXXX XXXX and was in New York on XXXX XXXX. The money was for both my brother and I. My brothers bank confirmed the deposit on XXXX XXXX at an exchange rate of XXXX. 
On Tues XXXX XXXX I called Wells Fargo and complained about my money and by the afternoon it was deposited into my account at XXXX rate. I had checked the rated for that day and it was at XXXX. 
I have called for the last few weeks the branch and various other departments trying to get a resolution. Today XXXX XXXX I get a call from XXXX, NC.. The woman claims to stand by her decision giving me all sorts of stories about the trail of the money, claiming it went through XXXX. She also was very firm that the exchange rate for the second was XXXX. 
I have documentation that states that the rate was XXXX.
Last XX/XX/2018, I sent this company a copy of my FTC ID THEFT REPORT, a copy of my dispute letter requesting them to remove erroneous accounts due to fraudulent account opened on my credit report. On the letter I sent to this company, I quoted the stipulations of FCRA 605B which state that " a reported fraudulent accounts, with proper required documentation, MUST be removed within 4 business days upon receipt ''. First and foremost, the company took more than the required time to remove a fraudulent reported account from my report. And then to my surprise, this company continues to report this fraudulent account. For yet another time, my FTC report attached clearly shows this fraudulent accounts which I need to be deleted asap : XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX  ACC # XXXX XXXX XXXX  ACC # XXXX XXXX XXXX ACC # XXXX   XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX  ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX  ACC # XXXX XXXX XXXX XXXX  ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX. Am looking at legal proceedings if this company does not delete this fraudulent accounts from my credit report. Attached here with the earlier dispute I sent to this company and my FTC report.
I WAS CHARGED FOR SOMETHING THAT I DID NOT AUTHORIZE ON MY BARCLAY XXXX CARD FOR XXXX. CARD ENDING IN XXXX. MY HUSBAND AND I WROTE A LETTER TO THE CREDIT CARD COMPANY AS SOON AS WE SAW THIS CHARGE ON OUR STATEMENT IN XXXX AND REPORTED IT. THEY PUT THE CREDIT ON OUR CARD AND THEN TOOK IT BACK. THIS HAS BEEN AN ONGOING PROCESS WITH THEM. I HAVE REACHED OUT TO THEM AND THEY WERE VERY NASTY TO MY HUSBAND AND I AND SAID THAT WE WERE TOO OLD TO REMEMBER WHAT WE DID, THAT WAS SO UNCALLED FOR WHAT THEY SAID TO ME. WE HAVE BEEN GOING THROUGH THIS SINCE XXXX AND ITS STILL GOING ON. MY HUSBAND IS NOW XXXX AND IM SICK MYSELF WITH XXXX. PLEASE HELP ME TO GET MY MONEY BACK.