WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX   XXXX   XXXX  , I called  Wells Fargo bec ause I cancelled all my autopay with my credit card companies and loans in  XXXX  of  XXXX . I noticed that a few were still debiting my account without my consent. I contacted  Wells Fargo  and told them that I just wanted to close the account be I felt that I did not have any control over the account. They suggested that I open a new account with a new account number and that would solve the problem. They filed a claim for me to get the a refund on all the money that I lost due non authorization debits on my account. I thought my troubles were taken care off. I noticed that on the new account, it was still being debited!!! Wow!! I called them and was told that by a supervisor that she had made the necessary changes and would re-file my claim and it should not happen.  Guess  what? Not only did they deny my claim but it was still happening. I was just frustrated with them so I called them to close my account again. They would not let me close it. Now because it has been negative due to them accommodating debits on a new account, with a new account number they finally closed it. I want to resolve this issue because I do n't owe them anything and I do n't want this on my credit report when I did everything that I was suppose to and they did n't. I am hoping to resolve this issue. This has been very stressful for me and no one should have to encounter this. I was actually a good  Well Fargo Customer.
My voicemail indicates that I am repeatedly being called by unidentified representative ( s ) associated with Diversified Adjustment XXXX Services, a debt collection business. Telephone # XXXX or XXXX. 

I DO NOT HAVE ANY PAST DUE DEBTS and have never had any debt that was referred to collection. My Credit Score is over XXXX, and I do not respond to any call from any debt collector who obviously has the wrong telephone number!!! 

I am a single woman ( never married ) with no children, and have always paid my financial obligations on time!! I regularly monitor my personal financial information to check for signs of unlawful charges/theft. I have not received any indication or documentation that suggests I am the victim of identity theft. I also screen telephone calls from unknown sources, and respond to only those which are based on legitimate voice/reason. Hopefully, the measures that I take minimize the chances that I become a victim of a credit/financial scam.
I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXXXXXX XXXX XXXX XXXXXXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I Held the check Pioneer Credit sent me for about 30 days before cashing it. I call Pioneer credit before cashing the check asking them if I pay off the loan early will there be any prepayment or other fee 's and what will the pay off amount be since I will not have the loan for the full term. I was advised there are no additional fee 's and I can call in to get a payoff amount anytime. After cashing the check, more then 30 days later I never received a statement in the mail. Pioneer Credit called me stating I have a pass due balance, I told them I never received a bill, I was advise that they do not send out bills, I ask why did n't you disclose that? They said they just do n't do that and waive the late fee and advise me to go to the website and create a account. When the next billing period came around there website would not allow me to register, so I called them and was told there is nothing they can do about the website but they can manually send me monthly statements as a courtesy. I never received any statements from this company. Once I realize my bill was coming up with them, I call to pay and get the payoff amount. I was told by a female ( note I misplaced were I wrote her name down at ) it was {$2500.00}, I ask why is no money getting applied toward the principle, she stated she do n't know and put he on hold several minutes to look into, when she came back she said its only based on the full loan term. I stated I 'm not keeping this loan the full term I want to pay it off because there 's too many problems with this loan. She then became irate saying you signed for it just look at the paperwork. I then stated this company seem like loan sharks and ask to speak to the manager. I ask him the same questions he gave me a higher number XXXX and XXXX if I wait until next month. I stated what? that makes no since why is n't my balance going down? The manager stated he was not educated in that field and cant answer my question and apologize for it.
I HAVE SENT IN CERTIFIED MAIL AS WELL AS NOTARIED DOCUMENTS IN REGARDS TO THESE FRAUDULANT ACCOUNTS AND HAVE BEEN IGNORED OVER AND OVER I HAVE SENT A AFFADAVIT FOR IDENTITY THIEF
Omega RMS did not comply with the Fair Debt Collection Practices Act Section 809.
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I received a copy of my credit report and noticed a trade line with an account from Omega RMS. Omega RMS failed to send me a written debt validation notice. I then notified all three credit bureaus. Soon after informing the credit bureaus I then called the number listed on my credit report for Omega RMS. I spoke to someone at Omega RMS and they stated they would send something to me. The next week, I received a letter from Omega RMS stating that I owed Omega RMS {$550.00}. Contained in this package was copies of information from XXXX XXXX XXXX with my name on it stating there was an outstanding balance of {$3800.00} and another copy of information from XXXX with my name on it stating there was an outstanding balance of XXXX. There was no evidence of written proof that this alleged account was sold or assigned to Omega RMS or was there a written agreement with the creditor that authorized Omega RMS to collect on the alleged debt. There was also no statement which matches the balance being claimed by Omega RMS as well as there was no complete payment history on said alleged account, to prove the amount Omega RMS wished to collect is accurate. I sent Omega RMS a debt validation letter via USPS which I have proof they received. Until XXXX XXXX, 2017 I did not receive any validation of the debt from Omega RMS and also, Omega RMS verified the debt was accurate to a dispute that I made with the three credit bureaus. Omega RMS did not verify or validate that the debt was accurate with me, but they verified that the debt was accurate with the credit bureaus.
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On XXXX XXXX, 2017, I received another letter from Omega RMS stating that I owed Omega RMS {$550.00}. Contained in this package again was copies of information from XXXX XXXX XXXX with my name on it stating there was an outstanding balance of {$3800.00} and again another copy of information from XXXX with my name on it stating there was an outstanding balance of XXXX. There was no evidence of written proof that this alleged account was sold or assigned to Omega RMS or was there a written agreement with the creditor that authorized Omega RMS to collect on the alleged debt. There was also no statement which matches the balance being claimed by Omega RMS as well as there was no complete payment history on said alleged account, to prove the amount Omega RMS wished to collect is accurate. How can Omega RMS verify and update with the credit bureaus and not verify with me? Omega RMS also ignored my written request to verify the debt and is continuing to collect on this debt before providing verification and validation. This is a clear violation of the Fair Credit Reporting Act Section 809. Who are these people and how did they get my social security number? Also how were they able to report this information to the credit bureaus without my authorization?
Equifax might have divulged my name, SSN, DOB and address ( as well as other informations ) to unknown hackers.
On XXXX XXXX, 2017, while checking my banking activity, I noticed that there had been a double payment made to my credit card with Comenity Capital Bank for {$3000.00}. I immediately called the Banks customer service and spoke to a person named XXXX asking that the over payment be transferred back into my account. I furnished her all my routing and account information and she said that it would take 7-10 days to complete the transaction. 

On XXXX XXXX, I called to check on the progress and was told by XXXX that the transfer was in process and sho0uld be in my account either that day or the next. 

On XXXX XXXX, I spoke to XXXX at customer service an was told that the refund would be processed after any outstanding balance on the current months bill was subtracted but since the amount was over {$500.00} their policy was to take up to 21 days to be processed. I asked to be transferred to a Supervisor. I then spoke to XXXX XXXX Badge # XXXX XXXX, who told me that Their policy was to hold refunds over {$1000.00} for up to 21 days. She stated that the refund would be processed and a check sent after the wait period. 

On XXXX XXXX, I received a letter from Comenity that I would not receive any refund since my balance on XXXX XXXX exceeded the amount of payment as of XXXX XXXX. Payment to Comenity for the initial was posted as paid on XXXX XXXX and the second over payment on XXXX XXXX, so this statement does n't make sense. Even today, I show a credit of over {$1400.00} on my account. They had already deducted the outstanding balance from the over payment, even though the bill for XXXX has just been sent out. 

Not only is this policy unreasonable but I do n't see how it is legal. I was lied to multiple times by various people and still have no idea how much or when I will receive any part of my over payment. I understand that the original error was mine, but do n't feel it excuses their response or very unfair procedure for handling over payments. Since I received this card through my XXXX membership, I plan to cancel the card and revert to the membership without a credit card. These people could take a lesson from XXXX, who knows how to handle customer service.
I have repeatedly requested an investigation to be conducted as to the balance reporting on my credit file by NCC business services regarding a collection account by XXXX/XXXX. They are reporting an incorrect balance owed of {$1000.00}, and have repeatedly updated this balance even after I have advised them this debt is over 7 years, and also discharged under my Chapter XXXX Bankruptcy filing. Attached you will see a version of my latest credit report that indicates they processed an investigation in XX/XX/XXXX and NCC business services verified the reporting and balance as accurate. This is absolutely incorrect and very damaging to my credit history. I requested a second investigation in XX/XX/XXXX, and I am providing a copy of my discharge paper. I am just appauled that NCC has been reporting this falsely on my credit report causing serious hardship in my ability to secure housing for almost 7 years. I am not in a very tough situation and feel NCC is trying to use my housing hardship to co-erce me into paying a debt I have been discharged from, legally.
I was looking over my statements and realized Wells Fargo bank charged my account a late fee and a finance fee after the bill was paid in full for the XXXX Statement on my WF Business Credit Card. I contacted them regarding this and a XXXX XXXX ( Employee/Location ID XXXX ) advised that they would not refund the financing charge as it was a violation of the credit agreement which is not the case as this credit card is PAID in full every month.
I contacted Nelnet on XX/XX/XXXX to start setting up a repayment plan. The loan advisor set me up with a pay as you earn payment plan and helped me set up my automatic payments of $ XXXX month. In XXXX my payment never went through. I contacted the company which then told me that none of that had actually occurred and their record only shows a note stating that I had asked for a " Forbearance. '' It was discovered that the loan advisor that I spoke with stole my information and used my identity to set up payments that were taken out of my account and given to a fraudulent company. I no longer feel like I can trust their company since they did n't even know that one of their employees was committing fraud. I also want the {$690.00} that was stolen from me given back. I have pulled my phone records and bank statements. My bank, XXXX XXXX, is also not helping me in any way. I have contacted the bank several times and I have contacted Nelnet a couple times including todayXX/XX/XXXX. My money was being sent to " XXXX. ''
*i have recorded calls of all of these conversations* on thursday ( XX/XX/XXXX ) a purchase was made and never appeared until the next day. I called and spoke to XXXX XXXX about their " grace period '' on overdrafting accts. who said this ( at the time - $ XXXX.xx ) would be due Monday before midnight. saturday ( XX/XX/XXXX ) an overdraft occurred to my account of - {$37.00}. I called and was directed to drive to the branch. the branch said this has nothing to do with them, then spent hours on the phone finally resolving the issue by " XXXX '' stating she will waive the o.d. fee as long as I deposit whatever I owe, minus the {$37.00}.
I call today (XX/XX/XXXX) to verify this and now they want to play games saying this " miscellaneous refund '' was from XX/XX/XXXX( Friday ) and I will not receive a refund from XX/XX/XXXX, because " people make mistakes ... she must have not seen the refund ''. they are completely trying to scam people and allow representatives of a company lie and " sweep it under the rug '', while I do not have {$37.00} to deposit, which will continue to obtain daily fees.
I just recently pulled my XXXX  and XXXX  credit report and i notice XXXX XXXX is reporting a failed payment or FP for the month of XX/XX/2013 on my XXXX  credit report but when i looked at my XXXX  credit report it clearly shows where it says " Date of last payment '' it shows XX/XX/2013 this leads me to believe that the entire payment history is being reported wrong. This account is closed and charged off and is having a negative impact on my credit score. Also XXXX XXXX has the wrong account number on both credit reports XXXX is showing account # XXXX and XXXX is showing # XXXX I was just recently turned down for a mortgage because of this inaccurate tradeline. I want XXXX XXXX to show proof i made a payment on XX/XX/2013 because it clearly states i did with XXXX  if they cant provide me proof. I want this inaccurate account deleted form a 3 credit reporting agencies XXXX, XXXX, XXXX XXXX.
Equifax data breach cause me to be at an extremely high risk for fraud for the rest of my life
On XX/XX/XXXX I sent XXXX XXXX and XXXX a Certified Letter About Unauthorized Inquiries On My Credit Report. They Came Back Verified On XX/XX/XXXX. I Do n't Recall Authorizing, I Understand That you Should n't Be Allows To Put An Inquire On My File Unless I Have Authorized It. I Have Contacted All Credit Bureaus And They Refuse To Move Them.I have also contacted the creditors and they have told to contact the credit bureaus. and it 's just back and forth who to dispute this with. I Sent Credit Bureaus Certified Letters. Inquiries : 1.XXXX XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX- XX/XX/XXXX 4.XXXX XXXX- XX/XX/XXXX 5.XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX 8 . XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act
I am unable to spend any funds on my RushCard. I have waited on hold for more than XXXX hours. I ca n't get anyone to assist me.
Well earlier this year I purchased my first home. I used PNC Mortgage as a my lender. That was a huge mistake. I found the house I wanted in XXXX XXXX, and decided to push the closing all the way back till XXXX XXXX 2015. Just because I was renting at the time. First PNC told me that I could not have a close friend give me gift money, then actually after the closing they told me I could have had a close friend give gift money. Also the closing did not happen on the XXXX. The day before the closing the underwriter misplaced paper work and stated they needed additional information for the closing, so I went to my other bank and gave all the bank statements and the my parents ( who gave some gift money ) had to run to their bank and do the same thing. I was never told about my parents having to hand over months and months worth of bank statements till the morning before the closing. Then 2 hours before the closing the realtor called and stated the title company was waiting for the documents. I tried to call the loan officer, and basically all the contacts I had for PNC no one would return my call. I finally ask to speak to a manager and they would always say that the manager will call me back, no one ever did. The signing got pushed to Monday, but once again the underwriter asked for the same paper work from Friday, so I resent the paper with all the confirmations and the loan officer said he received it. However 2 hours before closing the closing company did not receive the documents. They even stated it would be impossible to have the closing today. I have now taken off two days to do this signing. I called PNC and asked to speak the a manager, they would never give me the name or number of a manager, the loan processor, actually cried and hung up on me. I called the loan officer he said to move the signing till Tuesday in the afternoon. I kept asking for the underwriter 's manager number because it was crazy that the underwriter kept asking for the same information 2 days in a row. Also another complaint is why would someone in XXXX in a different time zone handle the closing. They stated the underwriter 's shift was XXXX to XXXX I do n't get why this was not handled few weeks before the closing. I pushed this signing as far back as I could. Finally Tuesday came along, the underwriter once again asked for the same documents. The loan officer stepped in and finally spoke to their manager. We had to get the a lot of the documents with the sellers resigned, like the contacts. This was a mess. The closing finally took place on Tuesday late in the day. PNC did keep blaming the title company when really it was the underwriter, that was not responding to emails or calls that caused this mess. PNC should really be investigated for their practices.
XXXX XXXX was using my social security number opened a credit card at Home Depot ( last fouXXXX digits of account : XXXX ) on XX/XX/18. The information was given to me at Home Depot in XXXX, Fl by a Home Depot Manager. Home Depot : XXXX XXXX XXXX XXXX, XXXX, FL XXXX-Phone Number : XXXX
I opened a Macy 's credit card account XX/XX/XXXX ( to receive the 25 % off ). I purchased less than {$20.00} worth of merchandise. By XX/XX/XXXX I realized I never received the Credit Card or a bill. I looked up the XXXX number on line and called. I spent an hour on the phone and was advised my bill was {$52.00}, of which {$38.00} were late charges. When I explained that I never received a card or the bill, the person confirmed that it was sent to the wrong address, cancelled out the card and advised me that she removed the late charges. I paid the actual charges that day on the phone -- meaning once the late charges were removed, my balance was XXXX. I then received a bill then next month stating they transferred my balance ( to a new card since they issued a new one since I did n't receive the 1st ). And I had another late charge. Now bringing my balance which should have been XXXX up to {$52.00}. I again spent 90 minutes on the phone in XXXX and was advised that all cahrges would be removed. Then to my dismay tonight ( XXXX/XXXX/15 ) I received a call stating my account was past due and I now owe XXXX ( of which I owe notheing because I have already paid the original charge of {$17.00} ). The operator each time spoke very broken English. This evening when I asked the operator if my other XXXX phone calls were noted, she said they were not. She would not allow me to speak to a manager. This whole experience seems fraudulent. I would n't be surprised if this company is doing this to others and I would like this looked in to.
XX/XX/2016 I experienced financial hardship. I applied for a modification. Since then now I have been denied because of the time lapse according to guidelines. 

Its not my faught that time has lapse from the initial time. 

I am furious that I am a mortgage professional and licensed now with a new career which helps me to hold down my responsibilities. 

The denial states my hardship will never end. Thats very unfair personally injury to me.
PORTFOLIO RECOVERY XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ),. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification Portfolio Recovery and XXXX is again violating the Fair Credit Reporting Act they claim to verified these accounts yet have not sent Any Verifiable proof.
Excessive fees charged in continuous months in excess of {$1000.00} for a {$300.00} loan. Paid some of the loans but discontinued due to increased fees and interest.
Re : Letter to Remove Inaccurate Credit Information : Equifax Information Services LLC has ignored my request and failed to investigate and to provide me with the results of the investigation. 
Requested an investigation on XXXX/XXXX/2016 To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : 1. The information is incorrect for the following account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The information is incorrect for the following account. This account has been paid-in-full XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The information is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
I used their autopay system to set a payment for my credit card and apparently it failed, and they have the audacity to charge me for its failure.
XXXX XXXX XXXX XXXX XXXX was the name of the original creditor. I paid the copay and insurance covered the remainder of the payment. There is no due balance yet a credit collection agency named XXXX XXXX XXXX is attempting to collect a total balance of {$590.00} as of XXXX 2017. XXXX XXXX has no records of a balance of {$590.00} passed due for me.I have contacted XXXX XXXX XXXX and the company only removed the collection from my XXXX report. I would like this removed from my XXXX and full credit report as well.