WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm sending this email with regards to poor customer service experience I had on Friday XXXX XXXX. 

I was calling into Wells Fargo Customer Service to inquire about a over draft transfer fee I received on XXXX/XXXX/15. 
My concern is on XXXX/XXXX/15 at XXXX CST a Wells Fargo to Wells Fargo deposit was made to my account which would have added to the {$100.00} available balance that was already in the account and would have been more then sufficient funds to cover the monthly automatic debit for {$53.00} charge in which I incurred the over draft charge. Wells Fargo should have posted this deposit immediately given that it was a Wells Fargo to Wells Fargo transfer. 
Later on that afternoon I went to the store around XXXX XXXX CST which is the XXXX charge they also posted before posting the deposit. 

My point here is that Wells Fargo once again maliciously posted debits before the deposit in order to get the over draft charge. This is happens too frequently to my account when I have bills set up on auto pay they will wait until the funds are low and post them all at once which causes me to over draft my account with a pay day pending. I have had to stopped any automatic debits to this account except those I could not halt. 

In this instance my deposited funds were pending for an entire day and do not show posting until XXXX/XXXX/15 ( the following business day ) how is this possible when it is coming from another Wells Fargo account? 

When I contacted customer service to ask my questions I was told by the first CSR that they did n't have the ability to see the time of the posting therefore I would have to talk to the online banking department. I was transferred to a woman around XXXX XXXX I explained my situation to the analyst ( My error in not writing down her name ) and she could not explain to me the times the funds posted ; she did however, hang up on me after I became frustrated with her circling around and not answering my question as to why the deposit made on XX/XX/XXXX was still showing pending. Her words were " thank you for calling have a nice day '' and she disconnected the call. At no time did I indicate my conversation was finished. To further my frustration when I called back in attempt to get the name of the CSR that hung up on me and spoke to another CSR XXXX who states he can not view who I was speaking with at which point I asked for a supervisor the supervisor XXXX XXXX then got on the phone did not ask the reason for my call did not greet me in a professional manner but instead was very unprofessional and advised me that she was heading into a meeting and would have to call me back. I have yet to receive a call back from XXXX. 
I have been a customer of Wells Fargo bank for almost 17 years and am in complete dismay over this ordeal. I will be closing both of my accounts with Well Fargo.
I am filing a complaint with Experian in regards to inaccurate credit reporting. I sent in a total of 4 letters in all in regards to reporting inaccuracies on my report. In the first letter, sent on XX/XX/2018, verifiable proof was asked in regards to the account issue at hand. The results came back verified and updated. As I read through the results, only one of the two items was updated. But the last remaining item was neither updated nor verified to my specifications. I disputed the accuracy of their results in a second letter, sent on XX/XX/2018 asking for verifiable proof and documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Once again, when the results came back, they were labeled verified and updated, which again after reading the results mean that nothing was updated on my report nor verified to my specifications. Experian gave me no information on how they verified their information or the process they used to do so. I was given the round-a-bout answer which meant that again nothing was done. A third and fourth letter was sent to Experian on XX/XX/2018 & XX/XX/2018 respectively, to once again dispute the results. In letter 3, I indicated that Experian failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) in letter 3. Finally in letter 4 to describe the procedure that Experian completed to verify the results. After letters 3 and 4 were sent, Experian stated that they REFUSED TO INVESTIGATE FURTHER. Experian still has not provided any information on how they verified their results and have directly violated the Fair Credit Reporting Act by actively refusing to investigate my matter and do their due diligence by investigating fully, thoroughly and accurately.
I opened a US Bank checking account with a promotional offer. The first promotional offer was to receive a {$150.00} bonus after completing " XXXX or more U.S. Bank Bill Pay transactions of at least {$25.00} each within 60 days of account opening. '' I did completed XXXX transactions and received the {$150.00} bonus within a few days after completing the bill pay transactions. The other offer was to receive a {$50.00} statement credit on a new credit card if you " make XXXX separate Net Purchases ( purchases minus credits and returns ) totaling at least {$25.00} each with your new consumer credit card no later than 60 days after your account is opened. '' I opened my credit card and completed the XXXX transactions over {$25.00} that posted on XX/XX/2016. Per the terms of the promotional offer, the {$50.00} statement credit was suppose to be applied with XXXX weeks after making the qualifying transactions. Consequently, I should have received the statement credit by XX/XX/2016. I did not receive it on my XX/XX/XXXX statement and contacted US Bank . I was assured by XXXX at US Bank that I had qualified for the statement credit and the {$50.00} statement credit would be on my XX/XX/XXXX statement. My XX/XX/2016 statement arrived and I did not receive the credit. I contacted XXXX and the general US Bank credit card customer service and they indicated that they are looking into it and could not provide a timeline when I actually receive the {$50.00} statement credit.
Hard Credit Inquiries on my XXXX and XXXX   Credit Reports : XX/XX/2017 XX/XX/2017 These are Unauthorized Inquiries, that I still to this day question where this came from I have tried to work this out with Capital One on this and they refuse to Address this situation. I will continue to file complaints from this point forwarded and increase the pressure until they properly address this issue or delete all the hard inquiries off my credit reports. A new complaint will be submitted every 15 days until a resolution is met XXXX AND XXXX : They refuse to even investigate the issue I have asked them many of times and they continue to say its just a record, and that it may be but to me it more than just a record. XXXX and XXXX continues to break the Fair Credit Reporting Laws that clearly states the following : That I have the right to dispute incomplete or inaccurate information. If I identify information in my file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. *****Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ***** I have asked XXXX and XXXX to investigate and they are NOT PROPERLY INVESTIGATING my disputes not when they release an update in 1-2 Days. I demand that XXXX AND XXXX INVESTIGATE THIS MATTER. I WILL ALSO SEND A COPY OF THIS COMPLAINT TO THE CEO 's of XXXX AND XXXX
I was notified by my staff XXXX that a debt appeared on my XXXX credit report. After investigating the item, it was determined that ATG Credit of XXXX was the organization that reported the fraudulent debt of {$160.00}. I have never been late on any account and further, my accounting team has never received a late notice for any of our accounts.
I checked my credit reports. I noticed an account I did not recognize. In XX/XX/XXXX I sent XXXX a validation/verification request. I sent account verification/validation letters to all reporting agencies. The accounts payment history has been updated past the year XX/XX/XXXX. According to XXXX XX/XX/XXXX was the last year of activity on this account. Equifax and XXXX have updated the account past XX/XX/XXXX showing late payments although the account was charged off and placed in collections in XX/XX/XXXX. All bureaus are showing a balance of {$860.00}. XXXX shows the account updated XX/XX/XXXX. No bureaus reports the date the XXXX XXXX account will cease reporting. The verification/validation sent to me from XXXX does not have my signature on the application. I can not verify this is indeed my account.
I am continuously getting phone calls from the company in question about, what i assume, is a debt for someone who is not me. I answered the phone and spoke with someone several months ago and let them know they had the incorrect phone number and asked that they not call this number again. They have continued to call weekly and sometimes daily. I have caller ID and do not answer the phone any longer. However, this is my work place phone and would appreciate if the calls would stop. This has been ongoing for at least 6 months, if not longer.
I demanded that the following accounts be removed from my credit report : XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX
First, the Buyer needed a POA for his wife. We sent it to Calibur Home Loans for them to approve and complete with whatever requirements they have for a POA and make sure the names where what they were going to require. We sent a XXXX XXXX to the wife in Colorado at a cost of {$170.00}, we received it back Wednesday and now XXXX is saying it does not meet their Criteria. This loan should have closed at the end of XXXX, they are still not ready to close it ; however, they are going to lower the interest rate by XXXX today and say they do not have to Re-Disclose for that and that the wife is now going to have to sign in Colorado and that is another {$170.00} cost to the Borrower. We still do not have any documentation from them at all. 

We also have another closing set with them for XXXX and the Buyer just got here we have no docs for that closing either, because they need to raise the Seller Concessions by {$1600.00} and that just came up today. 
I do not understand how Lender 's especially Calibur is Disclosing and the people are not even approved for the Loan and we do not get the documents in time for their set Closing Time. 
I thought the whole point of all the new CFPB Guidelines was to eliminate that kind of stress from Borrowers. 
It has not accomplished XXXX thing for most borrower 's with this Lender especially. 
This seems to be the normal way they do business.
At approximately XX/XX/2018 XXXX an online purchase was made from my account in the amount of XXXX to XXXX, XXXX XXXX, IL. I Immediately called the company ( approx. six hours after the charge was made ) to cancel my card. Told them there was a fraudulent charge and I'd like to dispute it. They told me to call back in 5 days. I called back in 5 days, 3x that day couldn't get through twice ( was effectively hung up on ) The third try yielded " I'm sorry our systems are down ''. The following evening I finally spoke to a supervisor after countless hours of trying to who asked me a litany of questions regarding my card. They then stated I could wait until they mail me the paperwork or I could fax my own dispute in writing, which I did in triplicate within the hour. Couldn't get a hold of the company for another two days. When I did they told me they had received the fax and everything appears to be in order and the investigation was ongoing. This was 12 days ago when this all started. I have not been able to contact anyone further at the company that can tell me anything and they have not provisionally credited my account, money which they know that I need.
I have made many attempts to rectify this issue with both Experian and XXXX XXXX XXXX XXXX. I never finance or open any loan account with XXXX XXXX XXXX. My sister open this account. This is not my account. My name is not on any financial instruments or obligation documents. I have called orange lake to discuss and as recent as today. I have yet to get any resolution to this matter. Please help me to get this account removed from my Experian credit report.
American Honda Finance did not send billing information until after the loan was due. Contacted them 2 days prior to the bill being due on XX/XX/XXXX. They told me to all back on Monday XX/XX/XXXX and I had to scramble to get the payment sent as they accused me it was late.
I began a refinance process with Quicken Loans. They are my current mortgage holder, and I refinanced a year ago with them. I was told at that time that if interest rates changed, that I would be able to refinance again with no costs. So I started the qualification process with them in XXXX 2015 I believe.. What happened over the next two months was inexcusable. In summary, Quicken destroyed my credit rating with their excessive Hard Inquiries on my credit report. XXXX in one day in fact! My credit score went from approximately XXXX to XXXX in a matter of weeks. I took out no new credit, In fact, I paid down my credit cards. I have spoken to them numerous times about this and they deny any responsibility for the steep decline in my credit score. Yet the data from XXXX XXXX tells the entire true story.
They do not have a legal contract with me. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. Therefore they keep trying to collect a debt which is not theirs. They have nothing stating that this is there debt. Attempt of validation is not valid. They are not on the orginal contract. I did not receive validation.
In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. You must also provide actual documents bearing my signature and the application for credit bearing my actual signature. NO ONLINE APPLICATIONS I formally demand the follow negative account records to be verified, and/or removed immediately. 
Your invetigation into this account has dragged on for over 90 days and still no proper investigation has been done. I DO NOT HAVE ANY ACCOUNTS WITH XXXX.. ( NONE ) PLEASE REMOVE ANY AND ALL XXXX ACCOUNTS FROM MY REPORTS.
In XX/XX/XXXX I received I received a phone call from Discover Personal Loans stating that I owe on a {$25000.00} unsecured personal loan as of XX/XX/XXXX. They also said that monthly payments were made against this loan from XX/XX/XXXX to XX/XX/XXXX. I never received any money from Discover Loans and I did not make any payments to this SCAM LOAN. In XX/XX/XXXX. XX/XX/XXXX. or XX/XX/XXXX I had received an unsolicited letter from Discover Loans that I was preapproved to receive {$25000.00} from them. I did not want to borrow any money from them. I did not fill out any paperwork from them. I then forgot about tnid identity theft loan until the XX/XX/XXXX phone call.
For the past 1 1/2 yrs we have been harassed by Portofolio Recovery Services for a debt of our adult daughter. The company knows it is not our debt. We were told the company would continue to call until we give them our adult daughter 's phone number. We refused to give them her phone number. She has lived in XXXX for the past 18 yrs. We have lived in XXXX the past 37 years.
I got a car loan from XXXX XXXX XXXX XXXX. At the time I could afford it and was making my payments. I lost my job a year and a half later ans went from XXXX to XXXX in one year. I turned the car in and was sued by Hamerhoff Law Group in XXXX They attached it to my home title and now I am becoming homeless. I called to do a settlement on XXXX so I would have enough money to move and still paying them XXXX but I was told too bad by a very snobby and rude assistant named XXXX. I asked her if there was any way of settling the account and she said no way and kept saying WHAT IS YOUR OFFER!!! ... .Remember I turned in the car. Not only that, I gave my brother and his family money to move for they have children. I can not believe that there is no compassion for people any more. I need a solution to be able to pay them and still have money to move. 
Thank you ...
My current first mortgage is serviced with Specialized Loan Servicing, LLC. My monthly mortgage payment is {$720.00}. Up until XX/XX/XXXX I have been current with my payments. In the beginning of XX/XX/XXXX. my car broke down requiring repairs, then I had a water pipe burst in my attic causing {$6000.00} property damage and resulting in an insurance claim. In the middle of XX/XX/XXXX., Hurricane Irma came through FL ( where I live ) and we evacuated. When I returned home a tree branch had fallen on my roof causing damage and requiring a new roof. Approximately the week of XX/XX/XXXX I received a call from SLS stating they were reaching out to their FL customers that may have been affected by the hurricane and had been approved to offer a 3 month mortgage payment deferment, which would defer the payments to the end of the loan. They had received government approval to do this to provide relief to those of us affected by the hurricane. I grilled them on this for almost ten minutes to confirm that this was not going to mean I had to come up with all of the payments in 3 months because there would be no way I would be able to. ( {$2200.00} ) Well, the third week of XX/XX/XXXX. I received a bill from them for {$2200.00}. I owe them ( of course ) for the XX/XX/XXXX., XX/XX/XXXX. and XX/XX/XXXX. payments. Now I find myself 3 payments behind and owing them that much $ . They insist I misunderstood ; however, there is no way I did because I clearly stated I could not agree to this if they were going to ask for them at the end of the three months. I also had this discussion with my co-worker and mother after I received the offer and was telling them how grateful I was. I certainly would not have done that had I known I 'd need to come up with {$2200.00} in 3 months! I just would not have taken the offer. It does not make any logical sense. I had so much money going out for house and auto repairs and then XXXX bills from sick pets! When I searched the internet I found they did this to several other people that reported it online as well. Clearly this violates some kind of lending practice? Of course it 's also being reported negatively on my credit report. I agree I owe the money ; however, THEY reached out to ME and offered this service and now I 'm in a position I would not have been in.
The Equifax Data Breach has possibly impacted my credit. I have worked very hard to start paying off my debt, and my credit score went up several points over the last few months. Because of this breach, my credit may be negatively affected. 

I understand that Equifax is also a victim, but I received no notification that this happened. I had to learn it from the media. I am very unhappy about that.
I used Transunion 's web site on XXXX XXXX, 2016 to get my credit report. They asked me to create an account and in the process to provide them XXXX credit card 's full details. I thought it was for the purpose of establishing my identity. 
As it turns out they charged the card {$1.00} for a service that I was not aware I was getting. NOWHERE did I see any message indicating that there will be a charge of any sort. I was basically charged without me being aware that there is any charge. This is outrageous and a deceptive practice. 

I called them to complain and they said " no refund ''. I ended up disputing the transaction with the credit card company. 

On a side note : If I legally deserve a free credit card report once a year, is there a reason why a clear way to get it is not provided on their web site?
The original XXXX creditor ) says that they do n't have me on any files of owning them a debt.. The collection company wo n't remove it from my credit report and they are harassing me about a debt I dont owe ...
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized accounts to my credit file. 
As a result, I disputed this identity fraud with this company on XX/XX/XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 
For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 
The following is the fraudulent account with late payments/charge offs status that I need removed by this company : XXXX XXXX XXXX XXXX Account REF # XXXX, XX/XX/XXXX ( 6 yrs., 9 months ), Term 300 months, Highest Balance {$7000.00} I am attaching the dispute letter/documents I sent to this company on the XX/XX/XXXX and my small claims forms, in case they need to reference or review.
I had fraud committed against me and reported it to XXXX, XXXX and XXXX card in XXXX after I had found out about it. I reported it to the local police department and they are going to arrest the person that did it as we know who it was. I have called these companies several times since XXXX explaining what has happened and yet the still do not correct my credit reports. I filed disputes with Experian and the results are stating that the credit card companies say they reported correctly to the bureaus. I have a police report and have given them everything they have asked for to no avail. please help me get this corrected as I have already spent hundreds of hours on this whole fraud case to clear my good name.