WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2015 I wanted to rebuild my credit so I contacted my banker at Wells Fargo by phone and asked him what are my options to help me achieve the goal. He told me my best option will be to open a secured card with wells fargo and within a year of opening I will be graduated to their unsecured card and have my collateral returned to me. All this sounded good to me and I agreed to put a collateral of {$300.00} down to get a credit limit of {$300.00}. The card was working fine and I thought I might change my limit to {$600.00} so I put an additional {$300.00} for collateral for a credit increase. Everything was working great. But after 1 year had passed and I did not see any change happen on the account I contacted the customer service via phone to see what was going on this. I was transferred to a supervisor ( His name was XXXX ), who had a look at my account and said that I should have already been graduated and he will email the corporate to look into this and I shall hear back within a week. So I waited a week and called back yesterday again and I was told by another supervisor ( name XXXX ) and then finally by a representative from the credit customer care that the previous supervisor lied to me straight up and they can not do anything about it ( this was all on a recorded line ). So after being super frustrated that a supervisor will lie to a customer right on the face on a recorded line I asked so what is happening with my graduation to be told that they can not say anything as this is a automated process while being super rude about it. So basically what it boils down to is that the banker at the branch did n't tell me everything and just opened an account on the pretense that I will be getting my collateral back within a year. He did not take any signature or anything and just verbal confirmation ( which according to law is as good as a contract ). I feel super cheated by wells fargo and looking at their recent wrongdoing findings makes me question if I will ever see that {$600.00} back. This and on top of they have kept charging me annual fees for breaking their own promise and a representative of the company speaks for the company itself. So I will like my money back oir need to know why was lied to and defrauded by the banker ( just to meet his sales numbers? ). And all what I have written can be looked in the recorded conversation that wells fargo has had with me.
After a dispute with my financial institution I decided to close my primary banking account with XXXX which was effectiveXX/XX/XXXX Prior to this I did have a dispute in progress and had the account frozen to prevent any further funds going in or out. On XX/XX/XXXXI made a payment to my capital one card and their system updated it for the amount of {$330.00} On XX/XX/XXXXI had been sent notice the account payment was returned. I figured there was a glitch on my behalf and attempted another payment for {$450.00} on XX/XX/XXXX and was notified that this to was returned on XX/XX/XXXX. 
After this occurred I began getting calls from Capital one trying to " verify '' with my bank that I was the only one listed on the account - this process included them present on the line while I verified my passcode and security questions - total invasion of my privacy. 
After this I tried to use my other bank account but was unaware of the cost of fees for courtesy pay and miscalculated my funds and had another attempt to pay the balance. I used a pre-paid debt card - there was money on the account - this was an XXXX XXXX serve card. 
I made a payment that was also returned - I was bewildered by this - as there were funds on this card to specifically make that one payment and nothing else. This was done XX/XX/XXXXand by XX/XX/XXXX I had the notice the payment was returned, I attempted to call into the bank but did not due to the wait time and finally set up the payment to be processed as an scheduled payment to a payee through the XXXX XXXX account. 
This took a few days to process however by XX/XX/XXXX the capital one payment of {$310.00} has posted bringing my balance to {$240.00} - however capital one reported to my credit that I owe an amount of {$560.00} and am over 60 days late This information could not be more incorrect Finally frustrated I called into capital one to discover they have closed my account and reported this as behavior inconsistent with those they like to have their accounts perform in - I did get more than upset and reported this to capital one who stated to destroy the card and they will continue to send statements until my balance is at {$0.00}. 
I understand where there could be trouble however my complaint is at this time inconsistent reporting and at this time damaging credit scores due to their expectation - they closed my account after they verified that the account would be substantially funded and brought back to the within limit amount.
On XX/XX/XXXX and XX/XX/XXXX, 271 transactions went through on my credit card totaling {$12000.00} from XXXX XXXX and I was not notified by the Navy Federal Credit Union fraud alert system for suspicious activity.

I contacted the bank for a refund of all of the charges and a reason why this was not detected by their fraud alert system.
CFPB Complaint Experian XXXX/XXXX/16 Account XXXX XXXX Filed a dispute with the CRA, XXXX XXXX shows account paid but failed to provide complete information. I than requested this information from XXXX XXXX the furnisher at the address provided on my credit report. ( See attached letter ) I sent this request certified and return receipt. XXXX XXXX reply was that they sold the account. ( See attached letter ) I sent my request to the only furnisher listed for this account, no other contact is provided on the Experian Credit Report, or any other credit report for this account, no address or other name. 

In the past I attempted to contact this other company XXXX XXXX, that XXXX XXXX keeps insisting I do. I sent a request to this other company certified/return receipt mail, they never responded to my direct dispute. They did however immediately take action to sue me. ( See CFPB complaint XXXX ) XXXX has already agreed to delete this account. CFPB Complaint # XXXX Company responded XXXX XXXX said : Explanation of closure Based on the complaint, XXXX XXXX XXXX # XXXX has been deleted from your XXXX credit report. In order to protect your privacy, we will mail an updated copy of your credit report as well as the full results of our reinvestigation, to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. Please visit XXXX for frequently asked questions about your credit report. 
Relief We received your complaint about XXXX XXXX XXXX # XXXX in your credit report, and apologize for any difficulty you may have experienced. The item identified in your complaint has been deleted. 

Attached : letter direct dispute XXXX XXXX XXXX. Certified/return receipt/mail, Response from XXXX XXXX, Experian Credit report and this letter of this CFPB dispute
This is complaint about Wells Fargo Dealer Services. 
We have a car loan through Wells Fargo Dealer Services. We make our payment using their online payment system. This XXXX 2016, Wells Fargo Dealer Services requested an additional {$1300.00} above what we authorized from our checking account which is with XXXX. I spoke with both Wells Fargo and XXXX who we our checking account with on XXXX XXXX, to try to correct this issue. 
XXXX : XXXX XXXX, we made a {$360.00} payment to Wells Fargo via their online payment system. 
XXXX XXXX, we made second payment of {$500.00} to Well Fargo via their online payment system. Our total authorized payments to Wells Fargo Dealer Services is {$860.00} XXXX XXXX, XXXX sent a payment of {$500.00} to Wells Fargo which cleared our XXXX checking account. Wells Fargo verified that this payment was received. 
XXXX XXXX, XXXX sent another payment of XXXX to Wells Fargo which cleared our XXXX checking account. Wells Fargo verified that this payment was received. This is {$500.00} more than the total authorized with the XXXX XXXX and XXXX online payments. 
XXXX XXXX, XXXX sent a second payment of XXXX to Wells Fargo which cleared our XXXX checking account. This payment was not authorized by us. XXXX claimed this payment was made as a retry request from Wells Fargo. As of XXXX XXXX Wells Fargo claimed they did not receive this payment and would not have requested a retry unless a payment had not cleared. 
XXXX XXXX, Wells Fargo agreed to refund the {$500.00} XXXX XXXX payment they received. Wells Fargo said we would receive a check in 5 to 7 business days. 
XXXX XXXX, XXXX refunded to our checking account the XXXX XXXX XXXX payment that was sent to Wells Fargo and not received. 
XXXX XXXX, We received the check for {$500.00} from Wells Fargo and deposited to our XXXX XXXX account. This deposit was placed on hold by XXXX for up to 10 days. 
XXXX XXXX, XXXX notified us that the {$500.00} refund check from Wells Fargo is being returned and not deposited. 
As of XXXX XXXX, Wells Fargo has held {$500.00} that they were not authorized to receive and claimed to refund for 21 days. And we incurred a {$5.00} returned check fee from XXXX. 
Wells Fargo is holding money that is rightfully ours for their benefit.
My refinance request with PHH ( my existing mortgage provider ) began in XX/XX/XXXX and is currently denied. The denial is being excused and rationalized by PHH under the false pretense that my property somehow in XX/XX/XXXX has a " marketability '' deficiency and is " unique to the location, '' in a way that did n't exist in XX/XX/XXXX when the existing mortgage began. Please see the XXXX page complaint for additional context.
We acquired a loan modification loan some years ago and have had nothing but issues with Green tree and now Ditech. Fraud, misapproiation of funds, threats and numerous other problems with this loan. We are in disperate need of help.
I have three collection agencies trying to collect on the same debt and reporting on my credit report. Seriously, I thought is was against the law and I was protected as a citizen to keep credit pirates off my credit report. This XXXX I can get a house or car because I have 9 collection debts and three collection agencies showing. IN REALITY I have none. I know it has been a write off and these collection agencies just want money. The have no proof this is my debt. I tried communcating with all of them but no one will delete the duplicate accounts.

HELP!!!!!!!
On XX/XX/ 2017 I went to XXXX XXXX, with a pre-approved letter from XXXX XXXX Auto Finance. The finance manager, took my letter and application which he made clear he would not run my credit by with XXXX XXXX and XXXX XXXX ONLY. 

It was not until 4 weeks later, I find out thru XXXX XXXX that in fact he ran my credit thru 6 companies, XXXX XXXX ( XXXX XXXX XXXX XXXX  Manager ), apologized for this beahvior and the best I know 4 inquiries were removed, but XXXX XXXX, which has sent my 2 letters saying the inquiries were removed, still have not been removed and XXXX XXXX should also be removed. I have letters attached. 
Please help me get these 2 inquiries removed from Equifax and any other credit companies they may appear with.
I took out a credit card with XXXX XXXX, i was paying on promotional items and defaulted on my payments after a few years and was being sued by a law firm, I expressed to them that I had been paying on the promotional items that according to my calculations were paid off, they said they would look at this matter and just sent me a letter in XXXX ( not the language in which we were communicating ) stating they looked into the matter and balance was owed. still thinking this was about the promotional item I kept fighting them on it. eventually we made it to court and I brought all my proof of payments. it was there that I finally learned that the balance owed was for a balance transfer that was done the exact month after I finished paying off my promotional items. so I kept thinking I was paying on that this whole time and never questioned the balance transfer. the credit card given to me was not a visa/master it was just a regular department store issued card being serviced by XXXX. when I asked the attorney representing them where and how was this balance transfer was done, he was unable to provide me with more info. never was I ever told this this was not the item that I had continuously fought them. in the recordings I was never informed of this " balance '' transfer to have requested proof of how this was done. was it over the phone? was it check issued? and why would I be allowed to transfer another debt to a non XXXX credit card?. since I was never informed of this I was not prepared for this in court. evidently we lost the case and we are now to pay them the entire balance plus filing fees. I want to request proof of this balance transfer and how it was done, there must be a recording, signature, check issed something. i do n't know where to request it from at this point. im attaching the statement they sent and some of the proof that was presented in court. i strongly feel this is fraud and would like an investigation done. why did n't the collections agency ever bother to tell me this was a balance transfer and not the promotional item i had so fully fought them on? if there is any other information needed or questions please feel free to contact me, or if you can direct me where to start with this. 
my name is : XXXX XXXX, address at XXXX XXXX XXXX XXXX XXXX CA XXXX, cell : XXXX. portfolio recovery assc llc accnt # XXXX email : XXXXXXXXXXXX
XX/XX/2018 I submitted a identity thief package for {$1200.00} & {$440.00} to remove from my credit report because their fraudulent charges.
I just realized I 've been charged for years for a monthly add on package service which allows for free money orders and cashier 's checks. It would have been more advantageous to pay for the service as needed. On several occasions when I 've called for other issues Wells Fargo has taken the opportunity to offer available services ... .never addressing me not getting the full benefit of the add on an suggesting removal. I find it disappointing Wells Fargo offered NO compensation for years of oversight. They just stated my responsibility.
My family had experienced a hardship. My fiance became XXXX and shortly after I had lost my job. I proactively reached out to the bank because just in case I ran into any trouble paying my loan. The bank was XXXX. XXXX placed me on a forbearance plan. I did not know that this would impact my credit. They asked me to complete paperwork for a loan modification -but before it was finalized sold my loan to XXXX XXXX . XXXX had modified my loan but sold it to XXXX XXXX. XXXX XXXX would not honor the modification and told me it was done wrong. XXXX XXXX changed the modification and increased it by an additional {$500.00} and sold my loan to FCI Lenders, LLC -/XXXX . They sent me a letter informing me that I was late on my payments. I was never late on my modifications ever and decided to discontinue my escrow account asking me to pay the principle only for XX/XX/2016 and XX/XX/2016 - the representatives name was XXXX XXXX ( XXXX ) XXXX. I explained to XXXX that my loan should be in good standing and that they can not change the terms of my loan. I also provided him with a tax bill - Anthonly informed me that FCI Lenders was sitting or holding over {$8000.00} in an account when they discontinue my escrow. I forwarded the tax bill and they have not paid it yet. I was then transfered to XXXX XXXX ( XXXX ) XXXX, I asked them to honor my loan modification and XXXX is telling me that my house is upside down and I should find another lender to give me a loan. XXXX informed me that they will take {$230000.00} for my loan. I forwarded all the bank statements showing them I have not defaulted on any payments. They will not continue my escrow and do not honor my loan modification. Why are we asked to complete all these forms and the government has a program and the banks sell your loan and then put the responsibility to show payment on the borrower and want to remodify my loan or get a new loan. Help me please - I can be reached at XXXX my name is XXXX XXXX.
Synchrony Bank offered me a hardship program in response to a past due amount on a XXXX account. After talking with their agent, I agreed to have a series of automated payments deducted each month from XXXX/XXXX/15 through XXXX/XXXX/15. My understanding was that in agreeing to their offer, my account would report as being paid current to the credit bureaus and late fees would be waived for the duration of the program. However, despite making my payments on-time as agreed, Synchrony Bank is still reporting my balance as being 60 days late and still charging late fees.
Flagship Credit acceptance, XXXX XXXX, left a message on my phone for one of my employees threatening to take legal action through our Judge Advocate General 's Office. I am under the impression that creditors are not allowed to contact an employer to discuss a loan or to make threats of legal action.
On or about XXXX XXXX, 2015. Ally Finance repossessed my truck at XXXX days late payment and charged me XXXX payments and tow fees prior to my loan being XXXX days late. They refused to give me any paper work pertaining to the repossession or explain their policy. The contract is not clear as to a time limit for bring late on payments that will push you in to default status. Ally then failed to see my property was returned to me once I payed the money owed and fees. The company they sent to recover the truck was overly aggressive and scared my family as my family felt they were more the victims of a home invasion. The recovery company pulled excessively hard on my front screen door and brutally beat on it. Then proceeded to yell at me in an obvious attempt to incite a negative response and incite may-ham. I had to tell XXXX the owner of the recovery company XXXX '' I can hear you stop yelling all over the neighborhood ''. 

After paying the requested amount of money to Ally. I was not able to recover my truck and was made to wait while the recovery company owner repeatedly lied about getting the release letter for my property. I was unable to recover my property from them until or about XXXX XXXX, 2015
In XXXX 2016, I contacted my mortgage company, Wells Fargo Home Mortgage, and instructed them to start automatic payments for my next payment. I was told that it takes a full billing cycle for it to take affect. Given that the request was after my XXXX payment, my next full billing cycle was XXXX meaning that XXXX was when the automatic payment would take place. In XXXX, I paid my mortgage payment manually as I was instructed to do. Wells Fargo then proceeded to take an automatic payment out of my Wells Fargo checking account despite being told that this would n't happen until XXXX. This overdrew the checking account which caused a cash advance/overdraft protection transfer to occur from my Wells Fargo Credit Card. The process to reverse the payment was very time consuming and frustrating and I was told that the credit card department had to reverse all of the interest and fees associated with the overdraft transfers. I contacted someone at credit card and explained the situation and was told that there was nothing they could do since it was n't a bank error ( despite the fact that the ACH claim against the auto payment said otherwise ). I escalated to a supervisor who said they would reverse the charges. She reversed XXXX of the XXXX charges and did not adjust the interest. I contacted the bank again and was told that, again, it was " not eligible for reimbursement. '' I escalated to management again who said the same thing. I finally escalated past that point of contact to another manager who finally agreed to reimburse the overdraft fees. This entire process took over a month to resolve and I was told time and time again that, despite having notes on my bank account AND an approved ACH reversal, that it was entirely my fault.
TO WHOM IT MAY CONCERN : I am writing in response to recent conversations with Select Portfolio Servicing, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. For the past XXXX years, I have been in dispute with SPS regarding a Foreclosure Action that commenced in XXXX, at which time XXXX was the Servicer. SPS has adamantly refuted that a foreclosure action previously occurred and the foreclosure action did not commence until they initiated the action, XXXX XXXX. There are numerous phone calls, discussions far and in between the past month. 

I spoke to XXXX XXXX of Select Portfolio Servicing Advocacy Department, XXXX XXXX, XXXX. XXXX XXXX advised that she would be sending out a response letter stating that SPSs position remains the same regarding the on-going dispute that a foreclosure action occurred in XXXX. XXXX XXXX also asked what my intentions were with the property and questioned why I was not evicted if the property was already foreclosed upon. For more than two years SPS has denied knowledge of the mortgage servicing deficiencies that were unresolved prior to XXXX XXXX XXXX transferring the servicing rights to SPS, XXXX XXXX. Yet, SPS and its third party Attorney, XXXX XXXX XXXX, formerly known as XXXX XXXX XXXX, now known as XXXX XXXX XXXX attested to having full knowledge of the information filed with the XXXX Courts XXXX XXXX XXXX, Maryland and Maryland XXXX XXXX. 

I am vexed at SPSs repeated failure to acknowledge my inquiries and questions regarding the unresolved mortgage servicing deficiencies that were initiated at the commencement of the foreclosure action in XXXX, which resulted in the purchase of the property XXXX XXXX, XXXX, by the alleged secured party, XXXX Bank, XXXX, NA, Trustee for XXXX XXXX XXXX Mortgage XXXX XXXX, XXXX XXXX. The trust is in fact governed by New York XXXX XXXX. At the time of the commencement of the foreclosure action the note had not been assigned to the trust. In fact, the note was transferred to the securitized trust XXXX XXXX, prior to XXXX XXXX XXXX transferring servicing to SPS, XXXX XXXX.
My son is offering to help me with my credit card bills. He 'd be able to give me about {$3800.00} and I want to apply it to my care credit with Synchrony bank. However I first wanted to know if this could help pay it down to zero. He suggest I ask for help from Synchrony.
Today my husband XXXX XXXX attempted to make a cash deposit at Bank of America on XXXX in XXXX, Oklahoma and there was a sign on the door that the bank had permanently closed. We were sent no notification through mail or any other means. Our funds were running low and we needed to make that deposit. We had no warning or any idea the bank had closed. We did not even have the option to change banks. I contacted bank of America on XXXX and their excuse was " Traffic ''. Now the closest one is 45 minutes away. We now have limited funds because we were not notified. How can a bank leave town without notifying its customers. This can not be legal and would like to be investigated. 

XXXX XXXX
Have paid my bills on time and have not been late. All my student loans are under one company XXXX, there should not be multiple loans showing. Have paid off XXXX bills XXXX, XXXX and XXXX these also need to be talking off my credit report.