WillisBack/dataset-financial-user-claim huggingface dataset:
We applied for a loan in XXXX XXXX, Colorado XX/XX/2016 and Wells Fargo collected {$1000.00} by credit card for them to do an appraisal on the property. After a couple of weeks of loan review, Well Fargo underwriters would not approve the loan. Since the appraisal had not been done we were told that our {$1000.00} would be refunded. They said that it might take up to 60 days which I thought was an inappropriate use of our money and questioned the long wait time. Wells Fargo charged our credit card immediately but when it comes to a refund they do not move as fast. 
This event took place on XX/XX/2016. It has been 67 days and no sign of a refund. I question this practice on the part of Wells Fargo Bank and feel that it should stopped. Any action that can be taken to help us retrieve our funds will be appreciated.
I had a personal checking, and a business checking account with Wells Fargo. There had been some previous fraud activity by a XXXX relative on my account, so I added extra security measures by requiring a verbal password every time changes were to be made on my accounts. The bank recently on XXXX XXXX, 2015 allowed this person to close my account, open a new account with my money, and also withdraw money. This person was also allowed to claim many of my purchases as fraud in an attempt to get more money. I found out about the incident when I tried to use my bank card to pay for parking and it was declined. I called customer service to see what the problem was, only to be told that they could not help me unless I had the fraud claim reference number ( the report which I did not file ). The bank did not follow any protocol by asking for the verbal password. Instead, I was left unable to have access to my money until I was able to go into a branch and prove my identity. After the bank verified that this was a false fraud claim, the bank still moved forward with honoring the claim. Many of the purchases, which included personal bills and other business expenses, were returned to the bank. This reversal of payment caused me to incur canceled check fees, shut-off notices, and I had to buy my XXXX back since the hosting service was XXXX of the purchases filed on the false fraud claim. I had to repay all of those bills with my own money to avoid more fees and to keep my utilities in service. Later, the bank gave me a credit of {$1300.00} which was part of the amount filed as fraud. I went into a branch to verify what the credit was for, and I was told that this was my money because the bank realized that they made a mistake. The bank ended up taking the credit back from me, leaving my account negative over {$1100.00}. The bank said that they took the credit back because they realized that I was the one who made the purchases and that they could not honor my claim. The credit was not listed as a temporary credit ( as they usually list it as temporary until they finish the investigation ). I explained to them that I was not the one who made the claim and that I was told that the credit was given to me because of the money that had already been returned to the bank from the merchants. It then became a problem with miscommunication because none of the bank 's departments understood what was going on even after I explained it to them many times. The problem is that now, I still dont have the money that the bank took from the merchants, nor do I have the credit they gave me. When the person filed the false claim, they also were allowed to withdraw cash, which the bank did not honor. So I am out of all of this money and the bank has not lost anything. They are refusing to take responsibility for their mistake. They gave this person all of my personal information including print-outs of my purchases, documentation stating the password on my account, my business contacts, and a lot of other sensitive information. Wells Fargo should be held accountable for this breach in security.
EQUIFAX ON XX/XX/XXXX I SENT CERTIFIED MAIL ON THIS DATE I GAVE SOME LETTER FOR DELETED THESE ARE NOT MINES AT ALL. 

PLUS THE LETTERS FROM XXXX XXXX XXXX   AND XXXX AND XXXX ME AS WELL. 

THESE ACCOUNT NEED TO BE REMOVED NOW .. 
1. XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX THESE ACCOUNT DONT BELONG TO ME AT ALL I SENT IN A LETTER PROOF TO XXXX XXXX XXXX XXXX .. 

I HAVE NO ACCOUNT WITH THESE COMPANY NEVER DONE BUSINESS WITH THEM AT ALL .. 


NOW. XXXX  AND XXXX REMOVED ALL THESE AND WITH THE PROOF PROVIDE ..
XXXX  has been non-compliant with removing the unverified account ECMC which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that ECMC 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.
I have contacted this company so many time and I was told to send in paperwork that I have sent in over  5 times an d never gotten a response the account was opened up fraudulently in my name I gave them everything they asked for and heard nothing called so many times no was able to tell me anything until I received something in mail saying they are closing the case because they have n't received papers I know that it 's not the case because a rep said they received it over the phone and I had to wait to do the investigation this company is jerking me around only to find out that this business is not even licensed to do business in my state they have a corporation service company in California but that is it no rights to collect a debt in California they are breaking the law I found this out when I went to the courthouse in my state of California
I have been disputing XXXX XXXX XXXX account in order to have it removed from my credit report as I feel based upon my research it is not reporting accurately or in compliance with FCRA or the FDCPA
On Thursday, XX/XX/2018 I received an alert from my credit monitoring service that my XXXX XXXX XXXX credit card was closed. No explanation was provided. I contacted XXXX XXXX on Friday, XX/XX/2018 requesting an explanation and was told by customer service and a supervisor that my credit card was closed due to inactivity. 

XXXX XXXX did not provide me with a letter or email informing me that my account would be closed if I did not use the card. Due to this long standing account being closed my credit score has dropped. The supervisor told me that I would have to re-apply that they could not re-open my account.
I recently started paying attention to my credit report since I am in the process of purchasing a home using my VA home loan. I noticed that my credit report had tons of inquiries that I never authorized or gave consent to. I disputed the inquiries with Equifax and the result came back that they were verified consent which is false. I never authorized any of these inquiries and constitute this as fraud. XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies
I had a credit card, checking/saving accounts and an IRA account with Capital One. Then Capital One closed my credit card and checking/saving accounts. As a result I do not have access to my IRA account any more. 
I contacted Capital One customer service twice. First time I was told someone would call me back but that did not happen. The second time I was transferred back and forth, spent almost two hours on the phone but it did not help with anything. I was even told that Capital One would close my IRA account and send me a check! 

How could Capital One make a decision on closing my IRA account and force me to pay all the taxes! 

I need to be able to access my IRA account ASAP and I will transfer my IRA account to another bank. I do not want to close my IRA account and pay all the taxes now!
I found out that Diversified Consultants, the 3rd debt collector attempting to collect an invalid debt for XXXX, now had the debt because it was reported to XXXX. A notice of the report was given to me by a credit monitoring agency that I utilize. At no time before reporting to the credit agency had I received any communication from Diversified Consultants, including the 30-day dispute notice. The notice was not sent to me until I called Diversified Consultants and notified them that they erroneously reported the debt, which is not a valid debt and has been repeatedly disputed, before sending a 30-day notice. This practice is highly unethical and validates my consumer rights. Additionally, I disputed the initial report to the credit agency which was removed immediately and replaced with another report that notes that it is contested by the consumer.
ONE ADVANTAGE LLC ACCOUNT NUMBERs : XXXX XXXX XXXX XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ONE ADVANTAGE LLC or any company associate with this account # XXXX XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ONE ADVANTAGE LLC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I attempted to send payment to my landlord via XXXX, which I had done five or six times before without a problem. The transaction was scheduled for XX/XX/2019, and it reported as successful on my end. The money never arrived at my landlord 's bank. I re-sent my rent, again via XXXX, and it went through, but now I have been double charged for rent and have not been refunded for the initial missing payment. My landlord and I have both contacted his bank, XXXX XXXX XXXX, and they have no record of an inbound payment. I have contacted my own bank, Ally, several times. They closed the ticket the first time after giving me some confirmation numbers that were of no help. I contacted them again twice, with no resolution. They say they are reviewing it and that it can take up to 90 days, but I'll be missing {$700.00} from my account while they pass around my third ticket in their offices with seemingly no recourse. 

Summary : I sent {$700.00} from Ally Bank via XXXX to my landlord. It never made it to him, but it was deducted from my account. I want my {$700.00} back.
I have been disputing 2 Capital One Credit Card accounts reporting on my Credit bureau reports since XXXX 2017. I have disputed directly with the 3 bureaus as will as with the creditor that these two accounts are not mine and to provide contractual proof, validation and procedural requests that these accounts are mine and to remove them as they are hurting my credit score and file. I keep getting letters stating " Information updated '' or " Verified by the bureaus and the Creditor keeps sending letters asking me to send in additional information, sent me a copy of a bill and or says they see no evidence of fraud on the account. I am getting the run around here and I'm tired of it.
On XX/XX/XXXX, I went into XXXX XXXX in XXXX MD area to look at living room furniture. Out of more than 6 sets, NOTHING was available for up to eight weeks ( for delivery ), so I chose to look somewhere else. Meanwhile, the sales person advised me to put the set that I liked on an invoice. I was allowed to put a down payment on it ( so they can hold it ), but informed them I would return the following day to make a final decision. I ended up going to one of their other stores, down the street and purchased furniture there, because it had same-day pickup. On the very next day, XX/XX/XXXX, I returned to XXXX and asked for a full refund of my deposit and the cancellation of the invoice ( that was supposed to be on hold ). They refunded me the down payment and told me the invoice had been cancelled. However, when I got my credit card statement, XXXX had charged me for the furniture that I actually purchased ( and took home, plus they had charged me an additional {$1600.00} ( the amount that was supposed to be refunded on XX/XX/XXXX ). Instead of fully canceling the invoice, they submitted it to the finance company, three days after telling me they had canceled the order. Now, they are telling me, it will be XX/XX/XXXX before they can clear up this error. My credit report is also indicating that I have an extra {$1600.00} of used credit. This makes NO sense that it is taking this long to clear up a matter that was totally preventable. I was advised two weeks ago that XXXX would credit me the money. The following week, when I went to check the status, it had not been done. So a second person assured me they would remove the {$1600.00} error from my account, but it will take up to 60 days. This is ridiculous! I want the error removed from my account as soon as humanly possible. XXXX has very poor customer service in the Dispute Resolution Department. It is impossible to speak to a supervisor. The young guy at the front desk in the XXXX location kept telling me I should not have bought the furniture from the other location, because they could have gotten me a cheaper price. This made no sense, because he had no idea what I had purchased, now what I had paid ( at the other store ). Furthermore, he was the very person who " supposedly '' issued my refund, which he couldn't even do correctly. Instead, three days later, XXXX submitted the canceled invoice to the finance company and it appeared on my bill. I would like to think they are not in the habit of fraudulently submitting bills to the finance company, but I can't even be sure this whole thing was not intentional. I just want it cleared up, sooner than XX/XX/XXXX, since it is 100 % XXXX 's ERROR!
I have six credit card that are included in bankruptcy, but they are not mine except one. Let me explain. I never knew what a credit card was or about credit scores. When I saw a credit card commercial I ran my debt card as credit to see if it would go through, so it did and so I thought a debit card was also a credit card. so after that I never paid attention again until I started getting calls every day from people saying I owed money, so I thought that one store card I got was cheating me saying I never paid. So after a month of constant calls I stopped paying that store card because I thought they were messing with me. A week later of constant calls I asked my dad who are theses people and he told me debit collectors. So my dad told me the only thing to do was file for bankruptcy and told me it would stop the creditors from calling and that wouldnt have to pay the {$20000.00}. If I wouldve known about the credit bureaus and would have known that you could file for a fraud investigation, then I wouldve chosen that also because I didnt know a bankruptcy could hurt you really bad. After the bankruptcy I started to learn about credit and how it works and came across this guy on XXXX talking about the FCRA and how to get stuff removed. So now Im trying to get them removed because Im XXXX and Im still living with my parents because of the bankruptcy. Ive sent three rounds of letters to the credit bureaus to verify if it was me with a signed consumer contract by the FCRA section 609 ( a ) ( 1 ) ( A ) and they keep saying it verified, but have no documentation. Ive also sent them a letter from XXXX XXXX saying that the account was not included in the bankruptcy and they still didnt delete and remove the account. So please Im asking for help so that I can get my own place and have a stress less life. Thank you.
I have a security freeze on my credit reports, i tried to go online and lift my security freeze with Equafax and i fill on the information and submit it online as they say you can sign in and do it onlne, when i tried it it tells me the request can not be processed and l need send in copy of my ID plus other things, they make it very very very hard to do anything online.
I am a victim of the Equifax hack and I am filing a complaint against Equifax for improperly caring for my protected information and that information being used to potentially harm me or steal from me.
COLLECTOR FAILED TO SEND VALIDATION LETTER ALONG WITH INFLATED FEES AND IS COLLECTIONG WRONG AMOUNT. THERE IS A TAX LIEN ON MY PROPERTY IN THE AMOUNT OF {$800.00} AND A APY OFF OF XXXX, WITH WILL BE PAY ON XXXX/XXXX/2016 VIA HUD-1 CLOSING STATEMENT SOLD HOUSE ETC..
Account has wrong information. Never opened an account that year. Amount owe {$3200.00}
Capital One credit cards has had my account compromised 3 times in the same week and is unwilling willing to stop it. The fraud is using my ssn and dob and doesn't have my password. Capital One refuses to force the password. Worse using the XXXX   the fraud had started payments twice even a day after the first report to the fraud department. They refused to disable the XXXX   and continued to allow the fraud to continue to use it.
I have an unauthorized inquiry from PRESTIGE FINANCIAL SVC I have not heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
I have contacted Wells Fargo several times due to a recent financial setback due to health issues and asked for a forbearance in order to catch up and continue making payments. However, each time they say that I am not eligible because I need to make XXXX full payments first. That is the problem I am unable to make my payments. After trying to get a reduction in payment or forbearance and being denied each time. I had no option but to stop making payments. They are now harassing me daily and asking when I can pay and to speak to there loan resolution department and each time I tell the rep that I have and they ca n't help me.
I 've noticed there was an address reported on my personal information which is the XXXX address which that I do n't know of because I live in XXXX.
Equifax has child support on my bureau that is outside of the federal obsolescence period for keeping a collection. Unless someone has re-written the FACT Act of 2004, a collection MUST drop from the file 7 years from the first delinquency prior to charging off. I have attached TWO LETTERS showing that the delinquency was BEFORE XX/XX/2011. XXXX XXXX has removed it ... XXXX  has removed it. Why does Equifax get to ignore federal law? 

In addition, the child support is being paid through Mississippi and NOT Illinois. My ex wife and child live in that state and I live in Georgia. 

Equifax needs to be made to comply with federal law. This is a willful and not negligent violation of the FCRA.
I'am a victim of identity theft. I have a fraud alert on all credit bureau 's. On  XXXX   XXXX ,   XXXX   someone tried to obtain a loan through  XXXX . I was notified from  XXXX  and they began an investigation. A few hours later I received a letter from  XXXX  denying my loan because of my credit score, and various other reasons listed on my credit report. Not once did  XXXX  reach out to me and inform me that someone was trying to obtain a loan in my name. This is the reason for the fraud alert. It is clear  XXXX  ignored the fraud alert. I called  XXXX  and explained about the identity theft and the fraud alert and was told no loan was issued. How does this help me? Why was I not contacted? I also want the inquiry removed from my credit report.
I have sent a debt verification for a cell phone line of XXXX who sold the alleged debt to a debt collector. I sent a debt verification letter to both XXXX & the debt collector, and received a return to sender from the debt collector and no response from XXXX six weeks ago. I would like this debt to be removed because XXXX companies have been unable to verify the debt.
I can't remember the dates but I've been dealing with this issue with Navient for about 5 years. Every time I try to ask for a forbearance they tell me that I can't use it because I use it all. They could never give me anything in writing stating that I had when I ask. I ask them can I reduce my payment due to the income I had coming in and the response was short of nothing because you had to answer multiple in order to qualify and when they came up with a total it was still too high for me to pay. So I ask if it could reduce more and they told me that I had to get their manager approval to go any lower. With that being said, the manager denied it. This has been a recurrent issue with them. This causes my credit score to drop when I'm taking the initiative to pay but they won't reduce it so I can afford to pay them. I believe they are getting over on the consumers and not having their best interest.
My are trying to pay off the Reserve Mortagage loan with XXXX  on my father 's house. 
XXXX  keeps charging us fees for monthly property inspection, and now wnat sto charge us {$420.00} for Payment of Attorney Fees and {$40.00} for Property Inspection right before our house closes on XX/XX/XXXX 

In order to avoid any foreclosure problems, or any additional late fees with my Father-In-Laws Reserve Mortgage, I requesting that XXXX provide us, my Real Estate Agent, and Probate Attorney with detailed written instructions of what your company requires, and the time frames it requires them. 

They continue to use confusing verbal instructions with us, and omission of critical information, and due dates, which is causing us much unnecessary stress, therefore, I formally requesting written instructions with due dates, listing any required support documents from XXXX.We did not get a response back until XX/XX/XXXX. 

I wanted a check list that we can easily following in order not to miss any of their requirements, thereby causing XXXX  to charges us any extra fees. 
I requested this written instructions in accordance with the Americans with Disabilities Act since I am XXXX XXXX.