WillisBack/dataset-financial-user-claim huggingface dataset:
A Wells Fargo credit account was opened in my name without my authorization. The company expressed to me that after an internal investigation it was not going to take any responsibility for the fraudulently opened account because it asserts the account was opened through the mail, and its bankers had nothing to do with opening the account. It further asserts if I did n't open the account then it must have been a third-party identity thief. However, I received the card in the mail, shortly after a Wells Fargo banker had contacted me by phone attempting to sell me the product, which I declined. No fraudulent purchases were ever made on the card. Furthermore, the company has refused to explain how it came to the conclusion the account was opened by mail either by myself or a third-party identity thief, and it has refused to provide any documentation that would serve to bolster or prove its claim, including a copy of the application.
I never received a statement for a payment, when notified I immediately made a payment by phone. Upon completion of making the payment the representive demanded my insurance companies name even after I declined to provide. I was advised my husbands place of employment was called twice in XXXX day via auto dialer reading the mini XXXX via recording to his employer. This call was placed prior to the call on his cell that we answered on the first call from the auto dialer. After I requested a cease and desist and made the payment, both my husband and I received a call with in 20 minutes regarding the account. I was denied copies of the original statements and was denied by XXXX associates to speak with a member of their compliance team.
I went online at the bank of america website to set a " travel alert '' because i was going to italy and wanted to use my atm and credit cards. Now i am XXXX and have tried atms at XXXX different banks and cant withdraw cash. I have done XXXX online chats with b of a, and they have not been able to figure out why the card wont work. they keep basically indicating there is no reason for it not to work. This is insane for a financial institution the size of b of a to mess up like this. I would have a major problem if i hadnt brought a XXXX atm card from my local bank ... it is working fine.
On XX/XX/2016. I started an application for a mortgage with Cardinal Financial Company , LP dba Sebonic Financial. I was charged XXXX dollars to order an appraisal on the property I was buying. On XX/XX/XXXX, before the appraiser was even ordered by Cardinal Financial. I changed my mind about working with Cardinal Financial, and asked them to cancel my appraisal, and reverse my charges. 

On XX/XX/XXXX I received an email from XXXX XXXX, the loan originator I was working with at Sebonic. 
He wrote ; " Not ignoring this request, I 'm just waiting on confirmation that your appraisal refund has been processed and will follow back up with you. Hopefully, everything is going well for you '' We 've been going back and forth. Him telling me the refund was being processed, and I saying that I have not received it. As of today XX/XX/2016. I have yet to receive a refund from Sebonic Financial.
On  XXXX / XXXX /  XXXX   I obtained my credit report from  XXXX   XXXX   XXXX  in attempt to qualify for a mortgage. I noticed that on my accoun t National Credit Systems is   reporting  XXXX  collection account.   One   for {$4000.00} and another for {$500.00}. On  XXXX   XXXX  I disputed these account with the credit bureaus and the account was removed. The accounts are now back on my credit and affecting my ability to obtain a mortgage. I have advised this company numerous of times that this is not my debt. They have failed to respond.
I make a Deposit ( Check ) in my Bank of America Checking account, and them hold the amount for 12 days, and overdraw the account and charge {$35.00} per each transactions, I call them different time try to make the solution, but they don't do anything about it. Is ridiculous, because the found was take from the other bank the next day ( XXXX XXXX )
I am a victim of identity theft and identity fraud. After reviewing my credit report I noticed the inquries that I did not authorize. 

CitiBank Na Inquiry Date : XX/XX/2018 XX/XX/2018
I have had my student loans through XXXX XXXX ( now " XXXX '' ) for a number of years. Unfortunately, around XXXX of 2015 and shortly before, I experienced significant financial hardship and reached out to XXXX to see what my options were. I was told I was placed on deferment and all would be okay. I did n't even realize until now that I have 2 " 90 day lates '' from XXXX 2015. I did not know of IBR, and I thought that I was okay ( according to the XXXX Customer Representatives ). I now have negative information on 2 of my accounts ( will attach ). I believe, that if I was alerted as to this option a few years ago when I inquired, I  would not have any late payments ( in regards to XXXX XXXX " XXXX '' ) on my credit report. I would like to note that I did have 2 late payments removed recently as a result of XXXX 's exceptional customer service that I received recently. I 'm hoping that XXXX understands that I was n't informed of all of my options, and removed the " 90 day lates '' from XXXX 2015. I also hope that moving forward, they strive to be transparent when it comes to the many available options borrowers experiencing financial difficulty may have when it comes to their student loans.
Between the years XX/XX/XXXX-XX/XX/XXXX I have attend XXXX XXXX to complete my Bachelors. In XX/XX/XXXX school is closed due to some financial problems and charging too much to students more then they supposed to. After this i went to school which was closed but they put a flyer on the window for how to get transcripts and diplomas. Also they said get in touch with your loan provider to about Student Loan forgiveness. Which is there is an option that once school is closed loan can be XXXX out. I have applied and of course Great Lakes loan office was saying we ca n't forgive the loan because i was at the school by that time. There is an newspaper article that there was an article about this and student who attend this school between XX/XX/XXXX the XX/XX/XXXX eligible for loans to be forgive. This is a monkey on my shoulders and i already am having financial difficulties and my lawyer recommend me to get in touch with you for this matter. I know you can help me and il look forward to hear back from you.
Experian refuses to reinvestigate an account that can not be validated. They did an investigation XXXX 2013 and will not respond to a further investigation. XXXX placed a collection on my report which they can not validate and I have disputed numerous times to remove. I never opened a XXXX account, there is no payment history, no historical information, charge off statements, dates to validate any of the information, letters of dispute or collection, authorized user information, original terms and conditions of the account with original application and signature, yet monthly the account is updated as valid and late. This is in violation of the CFPB consent order XXXX with XXXX and the reporting requirements of FDCPA and CFPB.
Hello, I had reached out to Experian a month ago about charges that other credit reporting agencies have removed. After i disputed the information on their site I received a call saying that i could pay off my credit cards and bank cards, after speaking to the person calling they said they received my information through Experian I told them never to call again and hung up ( they asked for account numbers and social security and made it sound as if they were with Experian ) Today I checked my dispute by entering my SS # and information and received the same call from a different number XXXX and again told them never to call and hung up and dialed the number back there was a recording that the number had been hijacked - it is pretty obvious that Experian is selling customer data or their site is unsecured. Thank you XXXX
We have disputed inaccurate info with the credit bureaus previously but all they did was indicate on our files that the info was under dispute and never removed it which was what was warranted. We went into a Chapt XXXX in XXXX 2014. All creditors are included and will be receiving payment from the Chapt XXXX. All XXXX credit bureaus still have not updated our individual credit files to reflect that we are in a Chapt XXXX. It 's being indicated on our credit bureau reports that we still have accounts in collections when all the accounts have been in Chapter XXXX since XXXX 2014. We contacted the individual creditors but they said it is not their problem. When the creditors submit info to our files, they indicate that there is a dispute as to whether the account can be included in the Chapt XXXX. We have verified that the accounts are in Chapt XXXX and that there is no dispute. XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, CA XXXX.
I have been in contact with XXXX 's Bank DE since XXXX XXXX about the error in reporting on my credit report. The error is hindering the purchase of a new house for my wife and I. I have given permission for XXXX XXXX Bank to withdrawal monthly payments from my personal checking account since XXXX XXXX. Since this has been set up and they have been withdrawaling the payments they have been reporting me 30 days or more late, from XXXX XXXX to the current date. I have spoke with them about the withdrawals and they stated that my account is current and has not been late. The reporting is an error. Please see attached document. When I spoke with them again today they stated the same, account is current and never been late, but XXXX 's can not remove the error in reporting on my credit report as it has been posted. They stated there is nothing they can do, except for make it right from today forward. This really needs to be corrected as it is effecting my credit score and our home purchase. We are suppose to close at that end of XXXX XXXX.
I had opened a CD XXXX account with XXXX bank here in XXXX ct, They have recently been taken over by M & T bank. I transferred my matured CD to another bank and was charged {$75.00} by M & T for the transfer. That was not in my agreement with the original bank XXXX. What gives them the right to charge me a fee that I did not agree to? Also what control did I have if they decided to charge me {$500.00}
Greetings, Greetings, I have initiated disputes with XXXX and XXXX XXXX to remove incorrectly reported late payments for NELNET Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my credit reports. XXXX and XXXX XXXX will need to provide validated proof to be authorized to report the correct information per the Fair Credit Reporting Act. I have provided all requested documents to XXXX and XXXX XXXX to get this issue resolved in which they requested. I have also reached out to the creditor but they have also fail to fully validate the account was late during the months being reported on my credit reports. The account is currently in good status with a defferd till XX/XX/XXXX. Below are the reported late months that should be updated on my XXXX  and XXXX XXXX credit report.. Should you need any additional information please let me know. 

Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX # XXXX XXXX, PA. XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX
I have been a customer at Bank of America for more than a decade and in XXXX I saw that I was charged a $ XXXX monthly maintenance fee. On website and by phone I was informed that I was charged the fee because I did not carry a minimum {$10000.00} balance. I had NEVER carried a balance that high. The bank claimed it had not changed policy, but representatives were unable to explain why I was suddenly assessed maintenance fees. I was again charged fee in XXXX, and bank refused to waive fee.
See attached document. 

I have two credit cards with Bank of America ( account # 1 and account # 2 ). On XXXX/XXXX/XXXX, I received a letter stating that account # 1 was being closed because I have a pattern of late payments. There are late payments on account # 2, but they closed account # 1. For the late payments on account # 2, I was never notified of any payments due. No emails, paper mail, or texts. I did receive a call from XXXX with the following message : Hello this message is regarding an important servicing matter for XXXX XXXX. My name is XXXX XXXX and I 'm calling from Bank of America. This is not a sales or solicitation call. It is however important that I speak with you today. My phone number is XXXX. The office is open today until XXXX XXXX Eastern Time. Thank you. 

Given the recent XXXX breach, I am careful about calls regarding my personal information. When I XXXX XXXX, I saw numerous reports of this being a scam number so I did not return the call. Im still not sure if that is a valid number to call or that they were calling about my past due account. The message does not provide enough details about the reason for the call. 

Bank of America reported a 30 day and a 60 day late to the credit bureaus. 

When I spoke to my contact at Bank of America, she informed me that I had automated payments setup, but the amount I chose to pay was not enough to cover the minimum payment. The automated payment setup screen for Bank of America credit cards is confusing and unlike any I have seen. It does not allow you to setup recurring payments for the minimum amount due each month. The main reason I use recurring payments is so I dont have to check my payment amount and due date every month. I believe the way this screen is setup causes unnecessary late payments and issues like what I am facing.
PORTFOLIO RECOVERY AGRESSIVELY AND IN A THREATENING MANNER HAS COLLECTED FROM ME FOR THE XXXX ACCOUNTS THAT HAVE BEEN SETTLED IN FULL WITH THE ORIGINAL CREDITOR ... EVEN AFTER PAYING THEM AGAIN TO MAKE THIS GO AWAY THEY ARE STILL CALLING ME AND THREATENING TO ARREST AND TO GARNISH WAGES AND THEY ARE DENYING THE RECEIPT OF ANY PYMENTS.. WHERE DID MY MONEY GO? ..ISNT THIS ILLEGAL PLEASE MAKE THEM TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY!
On XXXX/XXXX/XXXX my lender pulled my report and OCWEN was reporting a past mortgage almost correctly under my bankruptcy but still reporting a balance. I just had my lender pull a new report on XXXX/XXXX/XXXX and now they are completely violating the FCRA laws and completely ruining my ability to move forward with any financing. It now shows ( XXXX ) 90 day lates, the notes changed from CH XXXX BK to Foreclosure proceedings started XX/XX/XXXX, show a balance and a large past due amount. They need to report this correctly ASAP and confirm it is done in writing. I have included an attachment showing their malicious intent.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX : XXXX Experian : XXXX, XXXX  : XXXX   2.XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX   3.XXXX XXXX XXXX : XXXX, Experian : XXXX, XXXX : XXXX   4. XXXX XXXX XXXX XXXX XXXX  : XXXX 5. XXXX XXXX XXXX : XXXX, Experian : XXXX XXXX : XXXX
I have disputed the account ( XXXX XXXX XXXX ) on my report that is continuously reporting incorrect information. I have contacted the original reporting company and after long discussions with them the issue is still not resolved and it is ruining my credit reporting. The reporting agency is not accurately investigating the issue.
Specialized Loan Servicing provided a nonresponsive, misleading, and in some instances false response to Complaint # XXXX as documented in my feedback. The SLS response begins with an old inflated arrearage amount never resolved because the " agent '' could not be located by the CFPB, which in turn had to refer it to the FTC. Even the response includes significant charges to the account that go totally unexplained.
I had a WELLS LOC that was unjustly canceled in XXXX. 
I have been with Wells for 20+ years, always with an A rating, with various business, personal, mortgage, merchant and LOC accounts. 

Most recently, a 13 year mortgage with WELLS, and $ XXXX line of credit account. 

In XXXX I qualified and refinanced my home with another bank, to an FHA % 3.27, and paid off 3/4 of the  balances on credit cards, LOC, and cashed out $ XXXX, still retaining a 2.1 loan to value. 

XXXX Refi FHA Mortgage Loan was $ XXXX, appraised {$1.00}, comp value {$2.00}. So my financial and credit situation improved with these transactions. In addition, I I was good enough to qualifyed for an FHA. 
. 
Directly after pay off, in XXXX Wells closed my LOC account, along with other credit cards, stating inaccurate, unfair, and false information. As my financial situation IMPROVED with my refi lowering my %, on mortgage , % on credit, and pay offs, and my monthly overhead was lowered by more than 35 %. 

Therefore, I believe that WELLS committed ANOTHER act of fraud, and MORE unfair business practices.
THIS IS NOT A DUPLICATE! THIS IS NOT A DUPLICATE! 
The last complaint was not a duplicate. Below is the same complaint with different circumstances from the first. The first was transferred from the Federal Reserve. 

On, or about XX/XX/XXXX of this year, I file a complaint with Ally financial in regard to the way they have handled payments I made online toward my auto loan. I have been late for quite some time I know, but in XX/XX/XXXX Ally made some shady transactions involving my account. I spoke to a representative on XX/XX/XXXX about my loan. The conversation got heated, and I could tell the rep was upset. When it was all said  and done, I told him that I would be making a payment online that night. I made the payment, and got a confirmation number. I thought nothing of it, until I went back online to look at my account on XX/XX/XXXX. When I entered my account I saw where there had been several transactions. There were three " reversals '' and one "  return '' on the XXXX and XXXX. So I called Ally that day and they had no explanation. I made another payment that day. I then filed a complaint with CFPB to which the institution said they had conducted an investigation and determined that it was my fault, that I had clicked on a account that had been closed to make the payment. I told the representative that it was impossible for me to do that because there were no other accounts showing as method of payment. She told me I was wrong and their system was showing one. I told her I would send her a screen shot of my account and the payment methods listed. She would not let me do it. I then started my own investigation where I found some interesting stuff. One,  during the course of the last year, the months that payments were applied the loan balance did not match. Example, in XX/XX/XXXX a payment was made of {$500.00} for the month of XX/XX/XXXX. The loan balance went from {$10000.00}, to {$9600.00}. That is a difference of {$980.00}, much more than the paid amount. But then, a payment was made in XX/XX/XXXX of {$500.00}. The loan balance stayed the same at {$9600.00}. Then in the month that got this all started, XX/XX/XXXX there was another instance where there was no change. My  personal belief is that the representative that got mad at me had a personal agenda. If he stopped the payment, and reverses another, that would accelerate a re-possession, and or would make me have to come out of pocket for a much larger amount of money. I am including monthly statements and the letter that I received, along with screen shots of my account. Look closely at the " due dates '' and " date paid '' on the statements. From XX/XX/XXXX to XX/XX/XXXX, there is no change. Yet I made a payment on XX/XX/XXXX that was reversed and returned, and then another on XX/XX/XXXX that is not reflected. I have been paying a monthly payment of {$500.00} every month, yet the balances are different.
All loans are processed by Fedloan Servicing and only require a single monthly payment. However, when I missed one payment, it showed as 16 missed payments on my credit report.
I placed an offer on a house and contacted Bank of America loan officer that gave me a preapproval when i started looking. i asked where to begin told me the rates over the phone i asked for a Loan Estimate so i could verify it was the best deal. his tone changed and he told me my loan was hard due to a foreclosure in the past and other banks would have a hard time. I said ok i still wanted the Loan Estimate. he sent me a closing cost worksheet. i asked if this was the loan estimate he said yes, then i sent an email back saying even his document said it was n't at the top. The loan officer insisted that I send the contract over to him for the Loan Estimate. I referred him to the CFPB site and saying i did not need to send that information to him with what i need to give him. he brushed it off and requested the contract again. he still has not given me the loan estimate and continues to ask for the contract. when i informed him that according to the CFPB site i should not give him the information and if he continued I would complain to the CFPB and let them sort it out. he responded saying he wanted the contract for the property address and closing date and not to threaten him. so now I 'm letting the CFPB take care of it.
I opened a checking account with Simple Bank ( BBVA Compass ) on XXXX XXXX, 2016 and initiated the direct deposit of my paycheck. This was to begin on XXXX XXXX, 2016. I received a live paycheck while account verification was taking place in the amount of {$1900.00} and initiated a Mobile Deposit via the Simple app on XXXX/XXXX/16. The day after I received the live check, I found out from my payroll department that my employer needed to replace it ( maybe an incorrect account # ). I communicated this to Simple. On XXXX XXXX, I received the replacement check ( {$1900.00} ) and initiated the mobile deposit with it. On the same day, Simple made a debit adjustment in the same amount awaiting the return of the XXXX check deposit. On XXXX XXXX, Simple made another debit adjustment for the return of the XXXX live check ( which had already been done on XX/XX/XXXX ) in the amount of {$1900.00}. My first actual direct deposit came in on XXXX XXXX which actually XXXX my account. My account was then closed by Simple. I made several attempts to reach out to Simple via telephone to find out what was happening to my account and get this corrected, as a review of my account should had shown that my account was simply debited twice for the same adjustment, but to no avail. Simple told me that due to security reasons, my account had to be closed and that they could not speak with me any further and hung up the phone on me. I repeatedly tried calling them, but got the same response. My account was adjusted again on XXXX XXXX, showing my direct deposit and my correct balance of {$1900.00}. I actually thought that they found the error ( after I sent a timeline via the support function on the Simple web site ). Communicating via the support function on the Simple website, when I asked when I would be able to get my money back, I was told that after all transactions have been settled on my account, that I would get the balance within 3 weeks. On XXXX XXXX, another adjustment on the account says, " Force Paid Debt. '' When I asked, via the support function on the Simple web site, what does this mean, I was told to refer back to the " Your Account has been closed '' message. This message does not tell me anything and has not been of any assistance. I am now out XXXX paycheck and had to take out an advance on my next pay to make ends meet. I am not getting anywhere with Simple Bank ( Compass BBVA ) and think that I need help to get back my paycheck which I feel has been stolen from me at this point.