WillisBack/dataset-financial-user-claim huggingface dataset:
I am currently a customer with Wells Fargo, and have been with the bank for about 11 years. I previously had both an " Advangtage Checking Account '' and a " Money-Market Savings Account '' with the bank. I am also enrolled in their electronic statements system. On XXXX XXXX, 2015 I received a message via email notifying me of the following : " There are important changes coming to your Complete Advantage ( R ) Checking account that will take effect XXXX XXXX, 2015. Please sign on to view a secure message about these changes. '' I logged on only to find no relevant messages about my checking account or changes. 

Noting this email, I monitored my physical mailbox, looking for any correspondence regarding the changes. I never received any notifications in the regular US Mail. 

Earlier today, while reviewing my online banking account, I saw that there was a {$13.00} banking fee charged to my account. Further investigation showed that the account type had changed and was no longer a " Advantage Checking Account ''. I contacted Wells Fargo and was informed that my account no-longer met the requirements to be fee-free. 

I 'm writing today because I was not informed of this change, and believe that it was not fair from a consumer-standpoint to having account changes made without proper notification.
I have a loan with Toyota. I successfully applied for a two-billing-cycle deferral and paid a XXXX dollar deferral fee. Toyota misapplied the fee and put it towards my lease balance after I sent them the requisite forms and agreed upon the deferral terms. Now they say I am past due and have negatively reported to the credit bureaus.
I received a statement from Visa with a closing date of XXXX, balance showing was a credit of XXXX. I thought a vendor was going to mail me a check for a refund but they credited my Visa account. On XXXX I paid Visa my statement balance and I realized I was going to have a problem with a credit balance if they received the XXXX. They told me they had not received it. I have called numerous times for my refund and the best I am told is that I will get it but no time frame as to when. The reason is, " the amount is too large ''
I am asking for forgiveness on a 30 day late payment that is on my credit report. I understand people make mistakes and I know that the payment was late and I was going to be charged a late fee but I sent the payment in before it would be 30 days late. I was willing to pay the late fee but never expected to have a 30 day late derogatory mark on my credit report. I mailed my payment in on XX/XX/XXXX for XX/XX/XXXX mortgage payment. The reason I mailed it in is at the time Pacific Union Financial charges a {$10.00} fee for online payments. Due to the New Year Holiday and the Post Office being closed on New Years my payment must have been delayed and did not clear PUF until XX/XX/XXXX. I feel that if it had been any other month my payment would have gotten there on time. I wish they still had the envelope the payment was sent in so I can prove when it went through the post office. This is the only negative mark that I have with my mortgage company and I am looking to refinance out of my FHA mortgage and into a Conventional Mortgage but with this negative mark on my credit report I was told I cant refinance into a conventional loan for 12 months. I am seeking forgiveness on the late payment so I am able to refinance. I contacted my lender and they wouldn't listen to my situation and the reason I gave that it may have been late. I was unable to explain anything they just took my info and said they would look into it. I spoke with a PUF Refinance Officer and he was unable to see any late payments on my account and wanted to go forward with refinancing. I didn't want to have another hard inquire on my account until I made sure the 30 day late payment wouldn't come up.
I recently discovered a collection on my credit report from Afni, Inc. on XX/XX/2016. Unfortunately, I received neither a copy nor notification from the company informing me of this debt. I understand that under the Fair Debt Collections Practice Act 809 ( a ) states : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ... 

I was not made aware of this debt until I saw it on my credit report. I have had no debt notices from the company fulfilling the requirement.
I have disputed the balance of this account for years and I do not believe it has been properly investigated by Capital One. The trade-line has been removed from my XXXX and XXXX credit reports but remains on my XXXX report. I want Capital One to remove its final tradeline for the charged-off Capital One Account ending in XXXX. If not I demand that Capital One send me all of the statements from the account.
Institution Name : XXXX XXXX XXXX Account/Product Type : XXXX XXXX XXXX Card Address : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, Reference : Failure to notify consumer ( me ) of charge to XXXX XXXX Store Card. 

XXXX XXXX failed to notify me of an automatic renewal of an XXXX XXXX charge to a XXXX XXXX Store Card ( ie. credit card ) I did not know I had. 

Synchronys customer service rep claimed to send an email to me. However, XXXX XXXX used an old email account which was no longer used IF XXXX XXXX sent an email at all. XXXX XXXX representative was unable to prove they sent an email and refused to provide proof any email was ever received and read. We never received a printed billing notice from XXXX XXXX until just today, after we argued with the bank rep because my credit rating dropped 200 points due to failure to pay. 

XXXX and their India call center said " call the US Post Office if you didn't get your mail or your internet service provider if you didn't see your email ". How insulting is that for a 200 point drop in my credit score. XXXX clearly charged an " automatic annual renewal '' on a 27 % interest credit card XXXX ISSUED WITHOUT MY KNOWLEDGE. I didn't know I owned or was charged for an " automatic '' annual renewal? 


Investigate XXXX XXXX and XXXX XXXX for failure to properly notify me of a charge made to an XXXX XXXX XXXX Card without my consent or knowledge. 

Please fine XXXX and XXXX XXXX They must notify all credit agencys to reinstate my credit score of 830. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX XXXX XXXX XXXX
Please read Equifax has some kinda of block on my credit file. 

I can sign in to equifax trustedID however my credit report does not display and I can not lock my credit file. when i call the customer service number I am told I do not have a credit file. 

Trusted ID worked for me only on 1 day XXXX/XXXX/2017 and one day only. 

After that equifax placed some kinda of block preventing my credit report from displaying. 

I can not lock my credit file thru trusted id. I get an error. 

See attached.
ALL CREDIT AGENCIES REPORTING INCORRECT INFOR ... .REMOVE OUTDATED PUBLIC RECORDS PAST 7YRS AND SAME DATA REPORTED ON FILE XXXX X, REF # XXXX, REF # XXXX
Due to losing my job we have had to apply for a customer workout to try and keep our home. 
Having never to go through this before, I filled out the paperwork and on the paperwork it indicated approximate and verified. I did not fill out the verified amount because I sent in all our bank statements. I thought the bank will verify the actual total. We were given a ridicously amount to payback, I spoke with their representitive XXXX ID XXXX and was told that is the amount we need to pay to keep our home. I asked how is it possible for a family of XXXX to live on {$500.00} left over a month. I said I can not even buy food for that amount. He said I did not list spending any money for food. I advised that I thought they would verify the amount from our bank statements and he said no. I said isnt that a little ridicously to believe that a family of XXXX would not spend money on food? He said no for all he knows we grow our own food. I said that is far fetched he said its my fault I did not feel out the verify amounts. I am furious that I have been calling and calling to give all information needed and have been trying to get this resolved to no avail. M and T received XXXX XXXX in tax bailout money and they will not help with an FHA loan.
After the Equifax hack, I visited : https : //www.equifaxsecurity2017.com. The page reads : " See if your personal information is potentially impacted. 

To determine if your personal information may have been impacted by this incident, please follow the below steps : Click on the below link, Check Potential Impact, and provide your last name and the last six digits of your Social Security number.
Based on that information, you will receive a message indicating whether your personal information may have been impacted by this incident.
Regardless of whether your information may have been impacted, we will provide you the option to enroll in TrustedID Premier. You will receive an enrollment date. You should return to this site and follow the How do I enroll? instructions below on or after that date to continue the enrollment and activation process. The enrollment period ends on Tuesday, XX/XX/XXXX. 
CHECK POTENTIAL IMPACT Thank you for allowing us this opportunity to assist you. We appreciate your patience during this time. '' The page asks for last name and last 6 of SSN. Then it says : " Your enrollment date for TrustedID Premier is : XX/XX/XXXX Please be sure to mark your calendar as you will not receive additional reminders. On or after your enrollment date, please return to faq.trustedidpremier.com and click the link to continue through the enrollment process. '' The website says it would tell you how you were affected and give you an option to opt-in to TrustedID Premier. It does neither. 
False advertising and enrollment without consent.
I have sent numerous letters to the CEO or NCB Management regarding this issue asking for " validation '' meaning evidence bearing my signature, contractual obligations for this debt and claims of 120 past due. I have yet to receive anything from NCB. I sent a certified letter on XX/XX/18, XX/XX/18 and XX/XX/18. Each letter was signed for. I also sent a letter to the three credit bureaus XXXX XXXX, XXXX, and XXXX asking for the same information, they keep stating its been verified but haven't sent me the documentation requested showing how they verified, nothing bearing my signature or how they came up with the 120 days past due. The letters stated this had to be done withing 30 days or the negative tradeline must be removed from my credit report. They all have not done what was requested within the 30 days and have not removed the negative tradeline from my credit reports.
I placed a call into Kohls credit card customer services on the XX/XX/2018. I called into customer service due to my neighbor brought me a letter from Kohls stating my bill was delinquent. I called into customer service and discovered your company had the wrong address for me. Therefore, this is the reason I never received my bill from Kohls in months. The first representative told me that she understood and could get my address updated. She also stated she could either waive {$50.00} or waive {$110.00} in late fees on the account due to me not receiving my bill. I decided it would be best to have her waive the late fees. However, she said I had to pay the full balance upfront for her to waive the fees. I asked to speak to a supervisor because this was unreasonable because that I never received my bill from your company. I then asked to speak with a supervisor who was beyond disrespectful. 
I spoke with him to see if I could get some type of resolution and go back to making minimum payments how the account is normally set up. In addition, advised him the last representative agreed to waive the fees because I never received my bill. He went on to tell me that he was not waiving my fees even though that is what the first representative told me. I asked him how it is that one person says one thing and another person says another. He made it very clear that he was not waiving any fees. I explained to him that I was just calling trying to get my account rectified being that I was not sent a bill. I recently had a similar issue with another credit card company and not only did they waive the fees but they also did something called a renege to bring my normal minimum payment back in additional update the CBR agencys since I never received my bill. 
I am very confused as to how your company has someone like him working for the company. Its like he already had it set in his mind that he was not trying to understand where I was coming from as a customer. I am very upset as to how I was talked to as a customer. I am writing a complaint and trying to get resolution since when I called customer service I was talked to in a very condescending and disrespectful way.
I Checked my credit report and saw that there is a judgment against me. The reference number is XXXX. 
I have disputed this Judgment directly with XXXX XXXX and they advised me that they are unable to validate any judgments between XXXX XXXX and myself and therefore should be deleted from all XXXX credit bureaus agencies. Please see attached their response requesting advising that it should be removed immediately from my credit report.
I purchased a pool table from XXXX 's on XX/XX/XXXX with their Brand Source Credit Card under a 0 % interest promotion. I had my balance down to {$450.00} when I received a statement showing a current balance of XXXX. I called customer service to inquire about the balance and was told because I did not pay it off within the promotion I am required to pay the back interest beginning from XX/XX/XXXX. This is very upsetting because none of this was communicated when I made the purchase. I understand paying the interest going forward on the remaining balance, but due to the lack of communication on their end, my balance is now tripled. I have never missed or been late on a payment and this is truly bad business on their end. The previous interest rate needs to be rescinded, and the interest needs to begin with the balance of that was due before the {$720.00} in interest was added to my account.
i sent certified letters as well as affadavits in regards to this matter I SENT CERTIFIED LETTERS TO THE UNITED STATE BANKRUPTCY XXXX DISTRICT OF ALABAMA IN REGARD TO THE COURT 'S PROCEDURES FOR FURNISHING INFORMATION TO CREDIT BUREAUS AND THE METHOD OF VERIFYING THAT INFORMATION WITH CREDIT BUREAUS AND THE LETTER THAT WAS SENT BACK TO ME SAID THAT THEY NEITHER FURNISH INFORMATION TO NOR VERIFY INFORMATION WITH CREDIT BUREAUS BUT YET THE CREDIT BUREAUS STATE THAT THEY VERIFIED THIS INFORMATION SO THAT IS SHOWING THAT THE CREDIT BUREAUS ARE LYING THEY DID NOT VERIFY ANYTHING IN REGARD TO THIS BANKRUPTCY NOT THE ACCOUNTS THAT ARE LISTED UNDER THE BANKRUPTCY
I have a problem with Chase charging overdraft fees. The bank has been charging for overdraft fees when deposits were made to cover the negative balance. The transfers were made via the surepay/quickpay. We have been using this method to transfer funds for weeks without a problem. A couple weeks ago chase stopped posting the transfers as same business day even if the transfers were performed before their XXXX deadline. That change cost me {$100.00} in overdraft fees. We contacted chase to resolve the issue and asked them to refund the fees ; they did not refund the fees. Chase customer service told me that the quickpay cut off was XXXX. I made transfer via surepay into my chase account last night to cover some transaction at XXXX. That transfer went into my chase account balance immediately yet chase did not post it and again today charged me another {$100.00} in fees. We contacted chase and they refunded one fee of {$34.00}.
Portfolio Recovery Associates are trying to collect on a debt that was paid in full in XX/XX/2017. ALL original documents and proof of debt paid are saved. They are calling me from multiple numbers from multiple states telling me to pay again several times a day. I have told them I paid and to stop calling. The person I spoke with said they didnt care and that they would harass me within the laws until I pay again. They have started sending me bills in the mail stating the debt is past limitations to collect so they will not report to credit bureaus or sue me - they just want more money from me on a debt I do not owe.
At the beginning of the month I agreed to participate in a payment payment plan to prevent my account from defaulting. On XX/XX/XXXX due to an error in my original payment I agreed to pay XXXX dollars towards a forbearance that would prevent the default. The payment plan was agreed to pay XXXX a month for three months consecutively. I received an approval letter on the XXXX of XXXX for the forbearance. Not until the XXXX was I notified that there was an issue with the payment. Apparently my bank rejected the check however my bank stated they have no record of this payment coming through. Now navient is refusing to give me the forbearance after taking my card payment for XXXX dollars. Stating that I will have to pay XXXX plus XXXX in order to stop my account from defaulting. I am barely able to make the monthly payments and now because of an error on there part that they admitted to now my credit will be affected. 


Follow up XX/XX/XXXX XXXX from consumers affairs After forbearance was approved on XX/XX/XXXX and removal of the charge back. Associate with in the Department of consumer affairs told me that a representative from the payment arrangement department would you get in contact with me with in a week after this for marr A associate with the Department of consumer affairs told me that a representative from loan department will contact me to set up the payment plan. 

On XX/XX/XXXX I made a call to the payment department and they stated they did not have my charge-back. They stated they would be in contact with me in the following coming weeks to set up the payment plan. 

I never received a phone call or an email in regards to this payment plan. Nor was I told that in order to keep my account positive I needed to make the payment plan before the end of XXXX. I have a call log and messages to confirm when I am stating. 

On XX/XX/XXXX, My cosigner received a letter of default. I in fact have not received any letter or email stating that I was going back into charge back. How is this possible I did everything right yet Navient continues to ruin my credit?
Well last XX/XX/XXXX my XXXX XXXX was being repossess it was around XX/XX/2017 this account should be close already I did not make payment because my wife diagnose XXXX and XXXX   XX/XX/2017 is been very hard for me to deal with my finncial stuation
Law off of Mitchell D Bluhm XXXX XXXX XXXX XXXX, XXXX TX XXXX called and stated I owed a medical debt and tried to obtain my personal information. They stated it was for a stay at XXXX XXXX Hospital, though I never had a stay at XXXX XXXX Hospital. I asked that they Validate the Debt and send something in the mail regarding the debt. They did not do that. I sent a certified letter requesting the debt validation, which I have not received at this time. However, They posted a negative debt collection on my credit report. Several attempt to call the company and I have gotten only a voice mail and not return calls. They claimed the debt is from 4 years ago. I have never once gotten a call about this debt until I got the call from this XXXX Law office. When I looked them up on the maps they are in a a warehouse. Upon calling the police department there they said there are no law office there. Just transportation.
On Friday XX/XX/XXXX I went to the Wells Fargo branch in XXXX XXXX, CA XXXX XXXX XXXX to deposit, into my checking account, {$900.00} cash ( in {$100.00} bills ). I do not have the receipt or might have lost it since then.

After recieving my monthly statement & noticing the {$900.00} cash deposit missing I contacted the Wells Fargo fraud department earlier this week to open a claim ( claim # XXXX ) & complaint but very little was done & they are giving me the run around - truely not caring or being concerned about this situation.

Can you help get this issue back on track? Maybe have Wells fargo contact their branch to investigate, lo

ok at their branch records & even review their video tapes on that day - that would cleary see me doing a deposit. I have been a truster client of Wells Fa
rgo since XX/XX/XXXX & I am ashamed on how they are treating me. This event will make rethink the future on my money at Wells Fargo Regards XXXX XXXX
Last week, XX/XX/XXXX2017, I noticed with my Walmart Master card that the XXXX XXXX had lowered my credit limit. The reasons stated over the phone were that I had a delinquency on my credit report. the only reason I was told this was after spending 30 minutes on the phone with Walmart trying to get contacted to a customer service rep. This information is false and with further research I have zero. I actually have never had a delinquency. Walmart never called me nor sent me a letter stating that they were doing so. I have not had this issue with any other credit card. I also pay all of my credit cards on time and never missed one payment. This has significantly impacted my credit score by almost 14 points. I feel as though lowering my credit limit has impacted me more negatively then it would have been if they just left it alone.