WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX / XXXX / 2017  my cell phone company,  XXXX , withdrew {$70.00} an automatic payment from my checking account ending in #  XXXX . There was a remaining balance of I believe {$1.00}. Then the following d ay Wells Fargo returned th at payment and posted those funds back into our checking account. Now having {$71.00}. I withdrew {$25.00} and purchased a couple of items from a local supermarket on  XXXX / XXXX /2017. Then  Wells Fargo B ank reposted the amount charged by  XXXX  in the amount of {$70.00}, which therefore now left me in the negative balance. Then the following day on  XXXX / XXXX /2017  Wells Fargo Bank c harged our account for an overdraft fee of {$35.00}. This overdraft fee I believe is not a just fee, since the bank was the one who withdrew the funds without advising that these funds were going to be withdrawn. We had the amount in the account for these fee 's and were able to cover the payment had they not removed it. If they had advised us these fees were going to be withdrawn then reinstated then the following day we would of not withdrawn the {$25.00}, nor done the purchase at the local supermarket. If you see I made another payment of {$50.00} on a different account fro m Wells Fargo B ank with  XXXX  and these funds were not withdrawn the following day. I spoke with  XXXX  and they had told me they received the funds on  XXXX / XXXX / 2017  and never reposted the funds back into my account to withdraw it the following day. The confirmation number they gave me if you need it is the following confirmation #  XXXX .
Experian continues to perform and report inaccurate and unverified data on my credit report. Having looked at Public Records, against Experian, This company continues to Report unverified data from automated systems by the agency. I requested Experian to investigate items on my credit report that I believe is mixed data with my son. Ive sent certified letters requesting names and phone numbers of individuals from the Agency who verified my account without success. CFPB please assist me with the information I requested from Experian I have copies of the certified letters I sent them upon request.
Description of the complaint I had several transactions process overnight same time as my payroll deposited. XXXX transaction was a XXXX withdrawl it was XXXX transaction that was split into XXXX total debits as each item shipped. This resulted in a total of {$180.00} in fees for {$140.00} worth of purchases. My account was never in the negative that I saw as it all posted at the same time when I looked at my account in the morning this occured everything seemed fine. Later that morning {$180.00} in fees were pending. I called and spoke with XXXX who told me my direct deposit should negate the fees and cause them to fall from a pending state and no one could help me until they posted and that the manager would do everything to help me tomorrow. Called next day was told XXXX the manager would call me back in 15 minutes 3 hours later no call back i called him. he finally returned my call and said that they will only waive {$74.00} a year. I explained that XXXX of the charged were of the result of XXXX transaction offered to provide proof. he said it was out of his hands he didnt have authority he would have district manager call me. the next day XXXX called and said he was acting as rep. of the bank the district manager would not be calling me and they would not be waiving any fees. 1. How can they charge me {$37.00} 4 times on XXXX transaction, and refuse to even look at the documenttaion. 2. If a direct deposit and charges both post at midnight the account was never in the negative state. 3.Is there no limit as to what they can charge and under what circumstance? 3. additionaly while I am adressing issues they have been randonly charging me XXXX per account per month on what is suppossed to be free military accounts and i have called several times they waive and " fix '' it then randomly again I am charged these fees.
American education services took over my XXXX private student loan. When this took place a couple of years ago, I received a letter from them explaining they would be servicing my student loan. I am XXXX and can no longer work and have been fighting to get my student loan forgiven. Whenever I contact AES to ask questions about what help there is when I can not afford my payments, I am told there are none. When I ask to speak to someone with XXXX, I am told there is no way for me to do that. absolutely no one gives me answers. I need help and there is none with either company. I need help, and it wouldbe nice if someone explained exactly what XXXX AES Does do.
In XX/XX/XXXX I was asked by my ex girlfriend at to time to cosign on her private loan for school through XXXX. At this time I also had a loan through XXXX for school that required a cosigner. Knowing this I told my ex-girlfriend that I would not be able to cosign for her and that she would have to try someone else. I assumed she had found someone else to cosign since she never brought it up to me again. around XX/XX/XXXX I started receiving letters in the mail from XXXX asking for my ex-girlfriends whereabouts. At the same time sallie mae was also sending tons of mail to my residence for her ( her previous residence at the time ). Then I began receiving letters from XXXX saying that as a cosigner to her loan it was my responsibility to make payments. Originally i thought it was some type of mistake and tried contacting my ex-girlfriend. At first she denied it and then started ignoring my calls. XXXX continued calling and sending letters to me so I asked to speak to someone about more information on the allegetly cosigned loan. I requested a copy of the loan agreement so that I could compare the signature but instead I was sent a typed up document with no signature. I asked again several times for a agreement with a signature but continued to get the same typed document. I then filed a claim with sallie mass loan department, completed all the necessary paperwork and waited on the result. I was told that my claim had been denied as fraud because the loan was signed by e-file and there was no actual signature. At the point i questioned the e-filing. I was told that the e-file was followed up with a phone interview. I told the lady from the fraud dept that I never received a phone interview. I then asked what kind of questions were asked in this interview. i was told it was questions similar to : my address, my place of employment, social security number etc. she then asked me to confirm the answers to those questions and then told me that my claim was not fraud because all the information given about my identity was true. ( i.e. my address, place of employment etc ). Outraged by her conclusion I asked " is n't that what identity fraud is? ". Then she asked me about the conversation I had with my ex girlfriend when she asked about the loan. Then she told me that i did n't say " no i 'm not signing it '' so i did n't say no. I do n't understand how saying I 'm not able to sign your loan is any different and it does n't matter what I said, i never gave her permission to cosign me for anything. Having no luck with the fraud dept I gave up on fighting the issue. Some time after that my exgirlfriend called me to apologize for the incident. I asked her to call sallie mea and correct the problem but she never did. I assume since then she has been paying her bill but has stopped so now they are calling me again.
I have disputed this particular debt with National Credit Systems twice in XXXX and XXXX. They continue to send the same letters ( word by word ) and fail not to respond to any of the questions I included in my dispute and is stating this account is paid in full but is negatively impacting my credit report. First and foremost, I do not recognize this debt AT ALL and not aware as to why they are collecting. In both of my dispute letters, I have asked for the following : *The original application or contraction *Any and all statements allegedly related to this debt They have FAILED to provide any of the documentations in both dispute letters. This collection is inaccurate and is a MAJOR VIOLATION of the FCRS and FDCPA. I have asked for this debt to be deleted due to non-sufficient proof, but it is still negatively impacting my credit score and not able to provide a better life for my family. Please investigate this and I demand for this information to be deleted as quickly as possible.
I have disputed collection information reported by XXXX XXXX on behalf of XXXX. I have disputed the collection account XXXX with TransUnion, XXXX, and XXXX. I do not believe the investigation is properly being executed. It seems like the credit bureaus are working for the collection agency and agree with the electronic response received from XXXX XXXX on behalf of XXXX. The account remain on my credit report, but I do not have a reason why the account remain when XXXX shows I do not owe them and the balance was resolved. Transunion die not report XXXX XXXX on my credit report in XX/XX/XXXX, but soon as I disputed the item it was added to my credit report in XX/XX/XXXX and the investigation with XXXX XXXX has not been resolved.
This company has destroyed my credit as well as my fathers. I was so young and XXXX when I signed for these loans. For years they tell me I still owe the same amount!! Ive been told lies a lot!!!! They are now harassing my house and my parents. I might gather all phone records and sue because this is causing myself to have majorly XXXX XXXX. The amount they want me to pay monthly is not doable and they say there is nothing that can be done. I want even having them take money out monthly and they were raising the payments that they would take out of my account with out my knowing!! Navient can rot for all I care. How I still owe the same exact amount is extremely shocking and I need help!
Reverse Mortgage Solutions, Inc. XXXX XXXX XXXX, 2015 I received this letter " Your failure to pay the property charges requires us to pay these expenses on your behalf. The total amount paid to date on your behalf, which you must repay is {$160.00}.
On purchasing online through the Costco website there are multiple advertisements touting the benefits and extended warranty when purchasing using the Citi card. There are multiple enticements to apply immediately and no mention of not being able to utilize the card after being immediately approved. When I called in and spoke to XXXX I am told I will have to go to Costco to use my approval. When I asked for a solution to my problem of purchasing and completing the application online and not XXXX 's fictional issue of me being in the store she had none. I demanded she immediately close the account, which she refused. I was not able to use any of the benefits during the checkout process with nothing addressing this in the terms and conditions.
On XX/XX/2018, I received an debt collection notice from Online Information Services, dated JunXX/XX/2018. I immediately sent Online Information Services a certified letter on XX/XX/2018 requesting debt validation of said debt. The certified letter was delivered/received by Online Information Services on XX/XX/2018 @ XXXX. On XX/XX/2018, I received an Alert that Online Information Services had place a {$82.00} Collection account on all three ( 3 ) Credit Bureau 's ( XXXX, XXXX  & XXXX  ). On today, XX/XX/2018, I received a letter from Online Information with a copy of an INVOICE dated XX/XX/2018 from XXXX XXXX for {$82.00}. This INVOICE from Online Information Services is not a valid debt validation and was placed on my all three credit bureaus prior to being validated. I have a {$0.00} balance with XXXX XXXX.
In XX/XX/XXXX I was working for a company that was unable to pay a business Discover card. Despite the fact that the debt was time barred from collection against me in XX/XX/XXXX Discover reports to my XXXX credit report that the debt was charged off in XX/XX/XXXX AND collectible. When I call to ask why they are doing this they attempt to collect on time barred debt. They are falsely reporting a balance as COLLECTIBLE to my XXXX and XXXX credit report to collect on time barred debt.
RECEIVED COURT SUMMONS FROM XXXX XXXX XXXX REGARDING ALLEGED DEBT, NOT VERIFIED FROM XXXX XXXX XXXX, SUMMONS LETTER WAS SENT TO PLACE WE HAVE NOT LIVED AT FOR OVER 3 YEARS NOT TO XXXX XXXX WHERE WE RECEIVE MAIL
I had several accounts with XXXX and there is one account number XXXX that the three bureaus continuously report a balance and that is not correct. It has been disputed several times and I even went into my accounts with XXXX and printed out proof that it should not be reporting a balance. I have included the print out with this compliant.
It 's over th e 7 yr sta tue but they continue to report that I 've made payments then stopped like a few months ago when I have not made any payment since  XXXX   XXXX  then they put someone else 's debt on my report when I  call I con tinue to be told someone will call me back but never does and when I ask for proof of all theses payments there saying I made I get a run around yet on the credit report there stating it was charged off in  XXXX  when that is not true it was charged off in  XXXX  this account was opened in  XXXX / XXXX / XXXX  and should be removed off all my credit reports by now or this year not  in 2 mo re yrs t
American Student Assistance purchased this debt from XXXX and decided to temper with the original dates. I contacted XXXX to inquire about the date of delinquency in this account which was the first day after I missed a payment XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that XXXX got no payment past the date stated above and admitting to the last payment date ... American Student Assistance provided fraudulent information to the credit agencies to default the loan at a later date so the status of limitations can be changed giving them a longer time to try to collect. Negative account information should not be reported after 7 years from the delinquency date which was XXXX XXXX 2009. Yet till this day American Student Assistance is posting negative information and their customer service is unaware of federal regulations and ignore my submitted documents that I provided. American Student Assistance should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.
XX/XX/XXXX, my husband and I lost our backpack with both our wallets with State Driver Licenses while on a trip with a group of people when it was accidentally left somewhere during a walk, which was near XXXX XXXX CA. In XX/XX/XXXX we learned for the first time of a fraudulent debt collection on our XXXX and XXXX credit reports from XXXX Creditors on behalf of XXXX XXXX, which appears to be an apartment complex but we have no knowledge of this business or ever resided there. It appeared from the credit report that this collection was initiated sometime in XXXX but we were never aware of it until XXXX XXXX and never received any letters or calls from anyone about the fraudulent debt. Fidelity Creditors says they have a signed lease with copies of our IDs, which appears to have unmet terms by someone who fraudulently used our driver license identifications with XXXX XXXX and fraudulently signed a lease with them, which is not notarized and is not ours.
I am a XXXX woman who had a XXXX XXXX XXXX who was ruining my credit, I have disputed things in the pass from her stealing my identity and she is in custody as of X/XX/2017 ..Since then I have seen new inquirys pop up that I need removed, some of the same ones I just had removed I do n't understand. She finally been caught and I should not have this problem anymore please remove these inquirys this stress has made my hippa very severe please help.
Around XX/XX/XXXX, I reopened my USAA checking and savings accounts. During this time, I was searching for a personal loan due to being in the final stages of building a home. By XX/XX/XXXX, I ended up applying to a lending company that asked a few questions I felt were about personal information, but I applied anyway and soon after that I started to notice suspicious activity occurring on my account and an unknown external account, which I never authorized to be attached to me account. I notified USAA as soon as I found out about this on several occasions and asked to have the account detached from my profile and the money returned to wherever it came from. I was told that the account belonged to XXXX XXXX when I spoke to one of the representatives and I explained to her that have never owned an account with XXXX XXXX. In XX/XX/XXXX, when deactivated the debit card attached to the account, I started receiving threating text messages and phone calls from someone regarding the money and this account. Immediately, I went and filed a police report at my local department. Shortly after, I received correspondence from USAA stating that they were no longer going to do business with me due to the suspicious activity on my account and although I made numerous calls before and after these letters, I had been given the run around and routed through several departments to be told that my calls were not recorded or there was nothing that could be done about the situation. In XX/XX/XXXX, I received two letters stating that USAA was able to garnish my Federal Income Taxes and my Military Pay. I dont know how this has been able to happen because I havent heard from this company since XX/XX/XXXX. I was a victim of fraud and I can not afford to have over {$6000.00} taken from me when I didnt paly any part in this situation and I notified this bank on numerous occasions to try to stop this from occurring. Can you please help me?
4 years I finances a house with USAA mortgage. The VA process want not bad. USAA told me repeatedly that I would pay XXXX at closing ; actually paid over {$8000.00} including the first mortgage payment that was never applied to the loan. After that USAA turned the mortgage over to XXXX XXXX XXXX. Every year I submit XXXX County tax documents indicating a property tax exemption. Every year XXXX XXXX  XXXX collects the amount of {$140.00}, holds it in escrow to profit interest on it then sends it to XXXX County. And each of the past four years XXXX XXXX XXXX told me to go make XXXX County give me the money back. USAA and XXXX XXXX XXXX are taking my ( possibly many others ) property tax, holding it for investment, making money on it, then paying tax that is not to be paid. This practice needs to stop. To a XXXX XXXX XXXX employees credit in XX/XX/2017, she tried to have a permanent waiver on my account but the processors would not even give her answer of why it was not done.
Please be aware for the fraudulent and deceptive advertising business practices of the Bank of America. I did find the promo over the internet for {$400.00} bonus for open up new checking account at Bank Of America and after account was opened, the bank representatives failed to grant {$400.00} bonus for which I was entitled. Many made promises was made at the local branch but the manager but just give up.
I bought a crystal table from an exhibitor at Sam 's store in XXXX, XXXX XXXX, through Sam 's Credit Card. When XXXX invoice arrived, Iwent to the Store and paid cash full amount. At this moment, 10 years later, the Store still charges me.
I am in the process of getting a mortgage refinanced. 

I have seen my credit reports from XXXX, Experian and XXXX. 

Experian has information that is not true. They clain deliquincy, balnce of credit relative to available credit is too high, number of accounts with deliquency is too high, etc. 

None of that information is accurate. These are all lies.
I live in the state of California, last year XX/XX/XXXX I took out a loan with cash call, was told they did not do loans under XXXX but I could repay back what ever amount I wanted right away and that would bring my payments down and the amount I would owe, well I did n't repay a large amount back, I have been paying I. This loan for a year, I have already paid them XXXX on a XXXX minus fees loan, they have taken out late fees without notification to me from my account putting it negative, and numerous XXXX fees I have paid to my bank every other day they try and pull the money out of my account on several occasions I have made payment arrangements that were not documented, this month XX/XX/XXXX I had unexpected expenses and received an email saying they can help me so I responded to the email and no response back I waited 3 days and still nothing, now I sent another email still no response I keep getting phone calls, I read that XX/XX/XXXX that cash calls license was suspended for up to 12 months how is it possible to get a loan the next month, I feel that my loan is illegal I also read how to respond to a illegal loan so am am going to take these steps, first send them an email explaining that I am revoking the ach and any wage garnishment study they may try to do do to their license being suspended when issuing my loan, also close my bank account and request a refund of all monies I have paid to the company, I feel this company should be shut down and not allowed to give any loans to anybody I will not ever do another loan like this this has ruined my life, my relationship, and I will never regain any of it back, I feel this company should have to pay every cent to every person they loaned to especially if it was illegal, I am not saying that because I do n't want to pay back the loan, I would be willing to only ask for the extra money I paid to the company besides the principle amount of the original loan, I have over probably a XXXX dollars in late charges from my bank from this company, and would ask for them to pay back that money as well, I want to know how this can be fixed and my life back to normal. Please help me
Every year I request my " FREE '' annual credit report through XXXX XXXX XXXX. Every year it is the same thing. I can not access my free credit report from Transunion. I answer all of the challenge questions accurately and I get the response " We can not provide the report at this time. '' I had to pay for the credit report through XXXX to get a basic look at my three credit reports, it was not free. I tried to file a dispute to Transunion and to XXXX and was unable to do so online. Every year it is the same thing and it is complicated and time consuming. The credit Bureau 's do not play by the rules.
When you think of Wells Fargo as a young woman in need of an education, most would automatically assume that they would tell you the truth. When I requested both loans online nothing was discussed about anything adjusting or compiling at the incredible rate is has. It has now, even though I have made timely payments quickly gone to more than {$30000.00} whine down my DTI and keeping me from buying a home or obtaining any kind of financing. When the rep from Wells Fargo called me to finalize the loan package nothing was discussed about this debt compiling so quickly and it ruining the rest of my life. I had clearly asked if zi would be able to pay that much once I graduated and I was u=assured by the representative from Wells Fargo that it would not be a problem and I could always fill out forms to delay payments. 

What good is our system if it allows this type of predatory lending to go on and for Wells to remain in the clear for their actions. I had no idea what I was getting myself into and now I have no idea what to do. These loans should have been explained properly and the full rates and fees disclosed.