WillisBack/dataset-financial-user-claim huggingface dataset:
In late XXXX I got behind in my payments on a home loan with Wells Fargo due to financial hardship. I applied to have my loan modified and it was taking several months. I was told not make a payment until it was finished. In XX/XX/XXXX I went on XXXX XXXX orders with the XXXX XXXX XXXX and continued to try and get the loan modified. I was told that I would be put on a deferment and make a partial payment, despite wanting to just have the loan modified and move forward. I started the process again in XX/XX/XXXX and it wasn't until the spring of XXXX that I was told I did not qualify for loan modification. I was told my home would be foreclosed unless I could pay the balance. I asked if I had any other options and, for the first time, I was told I could sell the home. I was able to sell it a day after it went on the market and pay off the loan in full. However, this has had a very negative impact on my credit report. I recently found out that I should have easily qualified for a loan modification due to my military status. I feel I was not completely informed, especially in regards to being able to sell my home.
I signed up for  the Barclay 's m astercard gold card and was told that I would receive a 0 % interest rate and that the annual fee would be waived for the duration of my military service. I recently received a notice stating that I would now be charged the annual fee.
This relates to activity of the XXXX and Wells Fargo Bank. The bank put a garnishment of over XXXX dollars since the XXXX wrongly claims that I owe them back taxes. 

My accountant submitted documentation to the XXXX in XXXX related to a claim from the XXXX that back taxes were owed. 

Four subsequent attempts to contract the XXXX went without response. The XXXX filed some erroneous claim with Wells to garnish over XXXX in a bank account. 

The bank initiated a pending transfer of over XXXX in favor of the XXXX without any notification to me. 

The XXXX as a financial organization, may be outside your purview. Yet they are wrong and their failure to communicate with me/my accountant on a timely and professional nature is poor service, and just wrong. 

Then, their claim to Wells to capture my funds AND the bank 's agreement to effect the transfer without notification to me is collusion in a fraud to wrongly expropriate personal property. 

They should at least send some sort of communication to notify of the action with a period of time to cure default. 

The fact that there was no default, since taxes ARE NOT DUE to XXXX in California is faulty government service and perpetuated and aided wrongly by Wells. 

To further my own aggravation, as this is a CA tax issue, the Wells Office for Legal Order processing was closed at XXXX CA time. Whereas probably not technically illegal, it sure is poor customer care, but what should I expect of an institution that is fined over XXXX XXXX for the way it handles customers. Not the point of this complaint. 

My complaint is that Wells is complicit in wrongly expropriating my funds and is not responsive to inquiry to resolve this, ie talk to them. 

Also, you should look at the customer care offered by the XXXX XXXX XXXX. To let five inquiries of follow up on an open case go unanswered, in spite of the professionalism and completeness with which support dox to the contrary of XXXX contention is just wrong. Maybe since the documentation countered the position of XXXX just caused them to conveniently overlook the submission and not respond.
My credit report reflects an account in collectio for XXXX dollars. 
I called the collection company and this account belongs to XXXX. 
The address and the name are n't mine but they still say when mySocial security it 's put in to their system they get that own them moneyWhich I truly know it 's not mine
I have a balance with 0 % APR that expires XXXX. The same card has a balance at 10.24 % APR. On XXXX I contacted Bank of America to inquire as to how they would apply extra payments I sent. They informed me that they would apply the minimum payments to the 0 % balance but that any additional payments would be applied to the higher balance. I told them that my understanding was that in the last two billing cycles of a promotional rate, they were required to apply my additional payments to the promotional balance. They insisted that they had no idea what I was talking about. I spoke to a representative and the floor supervisor. They had never heard of the law that governed how they applied my payments or the requirements for how promotional balances were treated. They told me they would apply the payments as listed in my statement : minimum to the 0 % balance then any additional to the higher APR.
Regarding my XXXX credit report. I submitted a request for documented verification that I authorization this inquiry. I have not received a reply from the credit reporting agency nor the company who made the inquiry in the last 45 days. I requested documentation proving i made the inquiry and if they could not show proof then it should be removed from my report.
XXXX XXXX XXXX has send for collection the amount of {$78.00} under my name. this account in question has been reported six time on all credit bureaus from XXXX to XXXX, XXXX under XXXX XXXX XXXX ( collection agency ). 
After I learned about it, I called XXXX XXXX XXXX ( about a month ago ) and they agreed to correct this issue as it was wrongly reported and set in collection by them? ( the account was paid in full and on time every time ) this morning XXXX/XXXX/2016 I had to call again because as I mention this still being reported and affecting my score. 
Now they tell me that it would take another 30 days before anything will be done? Why and what is it about XXXX XXXX XXXX that they can just followed through on matters like this one? 
I would like to have this information cleared from my report ASAP please.
I have an overdraft account with TD Bank. The statements come the first week of the month with a due date the last day of the month. I will pay the balance in full by mid-month and receive a statement the following month with an interest charge even though no further draw has occurred and the previous balance was paid in full. They claim that their policy is to bill on an average monthly cycle. So even though 3/4 of the month has XXXX balance they are still collecting interest for that time period. Interest should only be calculated while a balance exists. This system makes it nearly impossible to pay in full.
I did not receive a notice that I even owed this debt. I do n't even know if it is mine
On my credit report, it states I was 30-59 days late on a payment for XX/XX/2017. I was late about 5 days, not the 30 days they are reporting, and the reasons for those late payments were the fact the contacted me 5 days after the due date to inform I didn't have enough funds for the payment in which I immediately went to my account to resolve the issue. Again, I have not been 30 days late on a payment, but they had reported it as such. as shown in the attachments, I have made a payment every month, but not in the lateness they have reported. And I believe each late payment may have shown in the next statement, hence why I attached 3 months to make reference of. Thank you
I never had a XXXX account of my own. My cousin had opened the account in my name using my social security number that he stole from me.
ATTN : XXXX XXXX My name is ( ) and Im writing to you to express my grief and anger over the past few months of trying to resolve an online fraud claim. I have been the best part of Chase since XX/XX/XXXX, placing thousands of my hard earned money into your bank. However, when I needed help, no one was there for me. In fact, I feel Chase fought against me and caused me unnecessary stress and anxiety  as they allegedly investigated my claim. In XX/XX/XXXX, I noticed two unauthorized transactions : {$2000.00} to XXXX XXXX and {$2000.00} to XXXX XXXX XXXX. I immediately notified Chase 24 hour help line and discovered that {$2000.00} had cleared on XX/XX/XXXX. I submitted a claim ( XXXX ) because I did not authorize these transactions using XXXX payment and I wanted to recoup my {$2000.00} which had already cleared to the perpetrator. I completed the affidavit and included additional proof to quickly resolve the matter. My proof included : XXXX County Sheriff Office report ( case number XXXX ), a receipt and phone number from XXXX XXXX, who discovered hack attack, XXXX XXXX, infection, and an official letter from XXXX explaining that my personal information was compromised when XXXX  experienced its breach, and resolution of another account ( XXXX XXXX ) that was also compromised at the same time. Next, I included the steps taken to secure my credit and personal information : a copy of extended fraud alert for seven years from XXXX, XXXX, and XXXX, closed the compromised accounts, deactivated online account, and requested that claims department evaluate how Ive used that accounts over the past decade. To my stunning surprise, my claim was ruled not in my favor. I called the claims department for an explanation and was told that IP address was same as all of my other business ( to paraphrase ). I refuted that these transactions were performed remotely and I didnt have control of my own desktop. The hackers placed a password lock virus on it preventing access to anything on my computer. I had the claim reasserted ( XXXX ). After I called claims online, escalations, supervisors daily, to my dismay I learned that none of the proof that I afore mentioned was attached to my case. This is unacceptable. Whenever I asked for someone in the investigation department, my call was dropped, transferred, or dismissed, being told they dont speak over the phone. Needless to say, I was livid. I had faxed all those documents four times since XX/XX/XXXX, believing that Chase online claims department was doing the one job : to get my {$2000.00}. I invite you listen to my phone interactions with your staff. On XX/XX/XXXX, I called again to hear that my claim was denied, quoting the exact same scripted reason as before. Well, I argued with your staff one final time and closed my accounts because I can guard my money better from my house than Chase can with all the technology they have available. By the way, XXXX, resolved the issue in ten days.
My identity was reported stolen to all credit bureaus in 2013 and the police record is on my file. PayPal credit has been continuously calling my phone about a debt I never owed and I have asked them to stop but they said the debt belongs to me. I also asked them to send me Documentations with my signatures on them but they have n't done so. Instead they 're asking me for a police report and I told them it is on my credit report and I will not file another one again. They have been calling me everyday from XXXX in the morning to late evenings. This is becoming unbearable and they 're harassing me. The number they 're calling from is XXXX. My number is also on DO NOT CALL REGISTRY.
We used a Chase VISA credit card for services at a veterinary clinic. The services were sub-standard and were harmful to our pet. Although, we disputed the charges, XXXX XXXX, disputes dept. XXXX, extension XXXX said that services rendered could not be disputed. However, this is incorrect as XXXX publishes that services can be challenged if they are not in accordance to a reasonable standard when compared to similar merchants. Although we provided extensive evidence that the merchant failed to provide services in accordance with a reasonable standard by contacting XXXX major veterinary clinics, XXXX XXXX refused to proceed with the dispute saying that even if that were true, Chase can only ask the merchant bank for a credit which she was certain they would not provide. I was surprised by this as I had been a XXXX year customer of Chase bank. I was even contacted by the Chase " Executive Office '' only to disover this was another level of customer service with no ability to make decisions. The agents name was XXXX XXXX, XXXX, ext XXXX and she said that Chase did contact the merchant bank but they refused to issue a credit saying the charges were valid. Again, since we were able to provide evidence that the services provided were substandard, caused harm to out pet, that was XXXX results took XXXX hours to receive thus extending the hospital stay and costs, unnecessarily ( 24 hrs is standard turn-around time for results at all vet clinics of similar size ), we dispute the services as substandard and useless due to timing issues which provided little to no options for us to consider in the treatment of our pet.
Someone opened an account with Bank of America in my name fraudulently. I filed a police report and a ID Theft report with Bank of America. The company have name blacklisted in the risk department and this prevented me from opening an business account. The company should of already block the fraudulent accounts. I never had any accounts with Bank of America.
I have disputed the following accounts multiple times and either one of the credit reporting agencies will rightfully remove the unauthorized account and the other ones dont. I have submitted a fruad report before but still some of the accounts still remain. Before filing suit, I thought I'll try again to dispute them .The accounts are, ( 1 ) XXXX {$3300.00}, ( 2 ) XXXX XXXX XXXX {$400.00}, and ( XXXX ) XXXX XXXX XXXX., due to certain credit bureaus investigation stated account verified, I'm respectfully requesting the Method of Verification used to come to such an conclusion. What Method was used and by whom. How was the community transpired, via phone, fax, email, etc. What physical documentation was reviewed and by who. This is the information I'm requesting as a consumer. And as stated in the FCRA if the credit bureaus can not produce this then the above accounts shall be removed/ blocked.
I contacted Experian to get there assessments in verifying items listed below. That are on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, they stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) I demand the following accounts that can not be verified to be removed immediately I have all the copy 's of all 3 letters sent to them also have USPS tracking showing that there revived all 3 letter,
On XXXX XXXX, 2017, I was made aware of Equifax 's security breach potentially affecting 143 million individuals. I visited Equifax 's official page to check whether my information had been compromised ( https : //www.equifaxsecurity2017.com/potential-impact/ ) and was given the information that yes, my private information ( social security number, name, credit history etc. ) were indeed compromised during  the security breach.
I received a letter of an attempt to collect a debt back around XXXX and XX/XX/2016 from this third party collector. I in return sent the third party collector several Cease and Desist communications ( Which they verified they received ), well within the 30 days I had to response and the collector still placed this debt and called me on my credit report as late as XX/XX/2016, after receiving several Cease and Desist communications. After being notified that something had been placed on my credit, I called the third party collector to confirm date of receipt of this Cease and Desist Letter - and request removal from my credit because I communicated with them within the time frame they request. They told me that they " could not communicate with me unless I send in another letter removing the Cease and Desist communication. ''
I discovered two-three weeks ago that Associated Bank was assessing overdraft fees for debit card transactions on my business account. It was my understanding and experience that if funds were not available, I would receive an " insufficient funds '' notification at the time of the transaction rather than have Associated Bank treat the transaction as a chequing account overdraft. 

When I opened the accounts, I spent approximately one hour and one-half hour meeting with the banker. At no time was I informed that overdraft fees would be charged to my debit card transactions if funds were insufficient. After I discovered this issue, I contacted Associated Bank and was told that there was an " opt-out '' for such transactions. This option was never discussed with me at the time I opened the account as I would have opted out. 
After reaching out to the bank and asking for a resolution - i.e., the restoration of the overdraft fees for the last 30 days, I informed them that if we were unable to resolve it I would be moving my accounts. This morning I received notice from Associated Bank that it would refund me a small portion of the overdraft fees. However, Associated Bank canceled by debit cards and closed my bank account. When I went to the bank to determine why my cards had been canceled and the accounts closed, I was met by several bankers at the teller window who simply stated " Your accounts are closed. '' I did not ask to close my accounts and instead told a Associated Bank representative that I would be meeting with my accountant on Tuesday XX/XX/XXXX to discuss the accounts, ensure that I had retrieved my bank data, speak with an attorney, and move the accounts. 
Associated Bank was sued for the same practices in federal court in XX/XX/XXXX ( Civil File No. XXXX ( XXXX. Fla ). In XX/XX/XXXX, a settlement agreement was reached wherein the Associated Bank agreed that it had an affirmative duty to inform its customers of debit card charges and to provide them with the opportunity to opt-out. 
The same practices continue to be applied.
In XXXX of 2006, My wife attempted to refinance our home. She provided check stubs showing her accurate monthly income of {$2500.00} per month. Instead of verifying my income, XXXX XXXX generated an application via their computer system indicating that I was making {$8000.00} per month plus my title was changed from XXXX to XXXX XXXX. So without our knowledge, of this fraud, they approved my wife for a loan that was already illegal to sell to consumers in Illinois ( Pick-a-Pay mortgage ). Then, they took out a default insurance policy in anticipation of my default. We were not aware of this policy until I was contacted by XXXX XXXX, advising me of this default policy. The auditor first stated that it was illegal for them to take out a policy without my knowledge. Then they advised me that the bank had put through a claim but was denied because they did not follow the federal underwriting guidelines. I also have a letter indicating this from XXXX XXXX XXXX ( the default mortgage insurance company ). One year later, the bank used the same exact application indicating my monthly income of {$8000.00} to open an equity line in the amount of {$35000.00}. Firstly, we are not aware of such equity line. There is no proof of funds distributed. Incidentally, there is no proof of any closing for either loan. There are several notary signatures. We also previously put in about 6 or more complaints to the Consumer Financial Protection bureau. Each time, the bank lied about the findings. They denied all allegation, claiming they did nothing wrong when the proof was provided. Even though, I provided a letter from XXXX XXXX, they deny any such policy. They even ignore the fact that the same exact application was used a year apart. The notarys signature is also on a blank piece of paper and is dated 1 day after the loan. The mortgage shows about 6 title companies. I contacted each title company and none have any recollection or information about any closing. They all state that there was no such closing on their books. Also, a recent title search shows that I my wife does not have a mortgage. I was not working and therefore the mortgage was only in my wife 's name but the title search shows that the mortgage is under my name. I have a XXXX XXXX and they did not follow the federal guidelines when selling a loan to a person with a XXXX.
I called requesting a refund of the credit balance on my account, Automated had to transfer me to live agent, her name was XXXX. I came through verified so she only ask my name. Once I ask to have my credit refund mailed to me she went into 100 verification mold. I told her to send to the address on file where I have been getting my statements and making my payments.
Southwest Credit Systems inserted a prior deleted XXXX bill, erroneous info ... date of original fraudulent account was in XX/XX/XXXX, they reported it as a new date ... disputed it with XXXX, and still there as of XX/XX/XXXX
XXXX XXXX XXXX XXXX # XXXX is paid in full an out dated
In violation of FCRA, the above mentioned credit report by Equifax , a section of " Inquiries that are not considered when evaluating your credit worthiness '' contains name of the following companies, to which Equifax disclosed and is disclosing personal and credit history, WITHOUT authorisation OR prompt despite OPT-OUT : Company Information : XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX Information : XXXX XXXX XXXX : XXXX XXXX Information : EQUIFAX INFO XXXXCompany Information : XXXX, XXXX Information : XXXX Information : EQUIFAX INFO XXXX Information : XXXX Information : XXXX should EXPLAIN & PROVE the authorisation it has to collect personal and personally identifiable information and authorisation to distribute the same via PUBLIC platform/for COMMERCIAL purposes.
Monterey Collection Service is reporting a collection account to all credit bureaus as a collection account that 's in the status as open, it 's also reporting a high balance and a balance owing and the balance goes up each month ... How is this possible when the account is supposedly a closed collection account. Instead of updating the account with " included in bankrupty, closed, { {$0.00} } balance '', they sent the account to collections. The collections comp any Monterey Collection Services has put a collections account on my credit report further ruining it when they should not have received the account in the first place. I contacted Monterey asking them to re move the account and they said they will not. The account was included in bankruptcy but I am continuing to receive letters demanding payment. I want this account removed from my credit report.
I have a a unverified account from SUNRISE CREDIT SERVICES. I had previously disputed this account. I have never done business with SUNRISE CREDIT SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g ,806. Harassment or abuse, I dispute the validity of the debt purport I owe. I request that SUNRISE CREDIT SERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.