WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a Wells Fargo Platinum credit card with an initial credit line of {$7500.00}. 
I made charges of {$7500.00}. 
I set up through Wells Fargo 's mobile app a linked checking account from XXXX XXXX XXXX. 
I got my bill, and set payment of {$1500.00}. My XXXX checking account was debited {$1500.00}. 
A couple of days later I went to use the card, and was told I was at my credit limit. 
I called Wells Fargo, they said they were holding the funds before crediting the account. They held the funds for over a week before crediting the account, even though on my Wells app it showed I had {$1500.00} of credit capacity. The Wells rep stated if I had a Wells Fargo checking account the credit would have occurred immediately after the ACH hit. But since I was not with Wells, the funds from the ACH were being held, and not credited. 
The representative was strongly suggesting I now open a Wells account so I would not be penalized with having my funds held. 
I told them, no, thank you, I have never heard of this sort of practice and I would pay off the account and close it. 
I went to the app to pay off the remaining {$6500.00}. I entered the amount, selected my XXXX checking account as the funding source. The app told me they could not process the transaction. 
I called Wells, and was told they will only process {$5000.00} in payments, and I could not pay off the account from the Wells Fargo app. 
I asked if they could do it over the phone, and they said this one time they would do it. 
I closed the account. 
Not allowing someone to pay off a balance, unheard of, and think of what it could lead to : Increased interest, as it is calculated daily, increased fees, if you are not allowed to pay your balance off, etc. etc. Wells Fargo has been a bad actor for some time, and they are back at it and this time, given what just happened, the penalties need to be far more serious. They have not learned from the errors of their ways, and should be severely punished.
My father opened a bank account with Capital One 360 around XX/XX/XXXX to have his VA XXXX checks deposited in. A {$100.00} was sent to Capital One as the original deposit. Capital One has refused to give my father access to the account - I do n't know why. Capital One has refused to put the funds ( {$100.00} ) back into the bank account that the funds came from. My dad had a severe decline in health and I started working with him to get the money XX/XX/XXXX. XX/XX/XXXX I provided Capital One an " Agent / Guardian Instruction form '' at Capital One 's request plus a copy of my Power of Attorney. Capital One has refused to communicate with me after supplying them with the forms they requested. It is despicable how they have treated an honorable XXXX veteran. Now to make issues a bit tougher, my father passed away on XX/XX/XXXX, but I feel Capital One still has an obligation to return my father 's money to his original bank account as there are still some outstanding expenses that need to be paid on his behalf. Capital One has been dishonest and basically stole {$100.00} from my father. I need and hope for your assistance. Thank-You PS I have attached the letters that have been sent to Capital One. The account was in my father 's name, I am his son and working this on his behalf.
XXXX has been trying to collect on a bill that I have stated several times did not belong to me. I completed a fraud packet they sent me and mailed it back, I sent them a FTC fraud affadavit form showing and proving that the account did not belong to me. The account was deleted from all XXXX bureaus and recently it was added back on by a collection agency which got deleted again and now its back on my credit report under a different collection agency by the name of Jefferson Capital System LLC. This account does not belong to me and XXXX has recevied all documents showing and proving that I did not open this account. I have even sent a debt validation letter asking XXXX XXXX to send me the signed contract and any other documents they have proving that I opened the account and to this day I have not recevied a response from them.
I paid {$160.00} on XX/XX/XXXX to Synchrony Car Credit and they have not applied this payment to my outstanding balance. On XX/XX/XXXX they sent me a statement stating what proof they need. After sending them a letter from my bank they informed me it could not be in the form of an email ... I must fax this information. I did so again making me and my bank jump through hoops. I called them 7 hours after I faxed the documents they requested and they told me it would take up to 14 days to review. My outstanding balance is {$250.00} due on XX/XX/XXXX, so after they apply my missing payment of {$160.00} my balance would be less than {$90.00}. I fell they are dragging this information so they can collect more interest rate.
I disputed a collection account from Stellar recovery regarding XXXX. When I had XXXX, I called multiple times telling them my service kept going out and they never could the fix the problem so I canceled my service and the technician said they would not charge me and fees related to early termination of my contract- The last time I called to get this resolved dish wanted to send me a XXXX check which I refused. I disputed this with XXXX and XXXX and the item was removed from my credit report. However, XXXX will not remove it after I have disputed with them twice.
JP Morgan Chase Bank, NA attempts to collect payments on a loan it does not own and knowing it does not have the rights to transfer any loans because only the owner or beneficiary is allowed to under the law. Chase broke the law by falsifying assignments by pretending to be the successor in interest to original lender who went bankrupt.The falsified assignment was also signed by a known ROBO signer claimed to be an officer of CHASE The undersigned complainant has asked multiple times for " Chase '' to identify the owner of the note and Deed of Trust which this complainant had entrusted to the original Lender in XX/XX/XXXX. Chase continued to stonewall avoiding to disclose said information to homeowner. Homeowner intended to payoff the alleged debt as soon as Chase can identify and verify the current Holder in Due Course of Home owner 's loan. Instead, Homeowner is threatened with foreclosure. On XX/XX/XXXX Home Owner sent letter to Chase asked again for QWR regarding current owner and beneficiary of the " Loan Homeowner signed, Chase not only ignored receipt of said request, did not bother to response within the 30 day given and transferred the servicing to XXXX. with an effective date of XX/XX/XXXX. Homeowner followed up on XX/XX/XXXX with another letter to CHASE asking for the awaited response under TILA/payoff, CHASE continued to stonewall. Home Owner eventually received a letter from XXXX on Friday XX/XX/XXXX confirming the transfer of servicing. WHILE Chase had previously scheduled Foreclosure Auction for XX/XX/XXXX. Under CA BILL OF RIGHTS A Servicer is required to disclose the owner of the loan prior to any such action. Apparently CHASE does not think it apply to them. I have copies of those letters should you need them, I will have to black out some information before I send to you. CHASE should not get off the hook for their obvious wrongdoing.
I recently got scammed by a person named XXXX XXXX from XXXX who asked me to transfer {$4600.00} to another BOA Account holder ( XXXX XXXX XXXX BOA Account : # XXXX ). I did an online transfer, but XXXX is not satisfied, & asked me repeatedly to cancel transfer & do cash deposit by physically going to the bank. I called customer service twice ( On Friday, XX/XX/XXXX, XXXX XXXX & XXXX XXXX CDT ). 1st CSR told online transfer ca n't be canceled. 2nd CSR,  however, told transaction is successfully canceled and money is refunded back to my account. XXXX Account balance is {$9100.00}. PROVIDED WRONG INFORMATION.Please see the attached cell phone conversation recorded ad forward to XXXX to hear 2nd CSR voice. 

Went to BOA Financial center On Friday, XX/XX/XXXX at XXXX XXXX CDT to withdrew {$4600.00} cash. Available balance according to receipt {$4500.00}. At XXXX XXXX CDT deposited {$4600.00} cash to XXXX XXXX XXXX BOA # : XXXX. I have deposit slip. 

On Saturday, XX/XX/XXXX logged in BOA Account and noticed Online Transfer was not canceled and {$4600.00} is transferred twice to XXXX XXXX. 

BOA has opened a claim request # XXXX and they will request the recipient to refund the 2nd {$4600.00} he received!
I maintain a separate account for my bills ; this account also has an overdraft protection account ( OPA ). On XX/XX/XXXX, my account balance was {$0.00} and the available balance in the OPA was in excess of {$300.00}. On the night of XX/XX/XXXX I had an ACH debit in the amount of {$36.00} which overdrew my account ; however, should have been easily covered by my OPA. Instead, this transaction was not covered by OPA and was assessed a NSF fee of {$36.00}. Subsequently, on XX/XX/XXXX, I had a credit of {$450.00} in addition to a debit for {$380.00} the same day. Since the transaction on the XX/XX/XXXX resulted in my account being negative {$72.00} ( {$36.00} plus {$36.00} ) the additional credit and debit ultimately resulted in my account being overdrawn {$2.00} which again resulted in an NSF of {$36.00}. 

I contacted BB & T to question why the ODA did not cover the {$36.00} on XX/XX/XXXX. According to the representative, XXXX, the amount of pending bill pay transactions ( which were to be debited from my account on XX/XX/XXXX ) were on " hold '' which then prevented the ODA to cover the transactions. I explained that although the funds were on " hold '' they were not scheduled to be debited from my account under XX/XX/XXXX which at that time there would have been sufficient funds in the account. XXXX explained that a 'hold ' is placed on the account for pending bill pay transactions once the transactions are in the " processing '' status, which is completely different and will negatively affect hundreds of thousands 'grandfathered ' clients. 

NOTE : I, the consumer, has not knowingly been notified of any changes to the BBT bill pay system or the manner in which transactions will be held/handled from the processing to paid status through BB & T 's bill pay. 

XXXX offered to reach out to the IT department when I questioned if there had been a change to the way their bill pay services worked. XXXX stated that the IT tech said that they have converted accounts from past mergers/acquisitions to BB & T 's bill pay system. I was not notified of the conversion and the impact/difference between the two bill pay systems.
At least once a year for the last 5 or 6 years this collection shows up with a different collection agency and I tell them the XXXX XXXX debt is not mine as I have never lived in South Caroline and I have never given anyone permission to open a XXXX XXXX account in my name. The debt goes away until the next year and a different collection agency suddenly shows up saying I owed XXXX XXXX. Please ask the collection agency and XXXX XXXX to stop as the debt is not mine.
I am Shocked when I reviewed my credit report and found late payment on the dates below : 30-60 Day late as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. There was an increase in the payment amount, but I was not informed. I usually pay and through my Bank of America App and there was no change of minimum payment due on the app at that time. It was still showing the amount that I would normally pay.
XXXX ) .XXXX County.Clerc Of The Circuit Court Style : XXXX XXXX XXXX XXXX XXXX Morgtgage Pass-Thtough Certificates SeriesXX/XX/XXXXXXXXXXXX XXXX XXXX Case # XXXX Clerks Case Number:XXXX Court Type : Circuit Civil Case Type : Homestead Residential Foreclosure Judge : XXXX XXXX XXXX Case Status : Disposed Last Docked Date:XX/XX/XXXX Filed:XX/XX/XXXX. 

XXXX, XXXX ( Plentif '' s Attorney ) XXXX XXXX Fl, XXXX Amout Assesses {$1900.00} Amount paid {$1900.00} I never been a Tenant of XXXX XXXX, and never lived at this address. 

2 ). Style : XXXX XXXX vs XXXX XXXX Uniform Case # XXXX Clerk Case # XXXX Court Type : Circuit Civil Case Type : Non-Homeestead Residential Foreclosure Judge : XXXX, XXXX XXXX Last Docket Date:XX/XX/XXXX Disposition Judge : XXXX, XXXX I never been contacted about that even. I never been her Tenant. Amount paid {$1900.00}
The debt was paid in full in mid XXXX ( {$110.00} ). Then they took another {$55.00} out of my account on XXXX. Then mid XXXX they sent a statement showing they owed me a refund on {$55.00}. Despite this they took another {$55.00} out of my account which then caused an overdraft charge from my bank of {$35.00}. I have contacted them and they said send documentation which was on XXXX/XXXX/XXXX ( both faxed copies of everything and mailed copies of everything ) Since this time they have locked my account online and will not respond to my emails or inquires.
on XX/XX/XXXX a hold was placed on my account for XXXX i immediately contacted bank of america when i noticed the hold on my account i was transfer to a financial investigator who told me there was no information and he would contact me back in about a hour which he did when we spoke he said i had received a electronic transfer for {$150.00} and the person that sent me the transfer claimed they didn't receive the item from me which they did the financial investigator told me i had two claims against me one for {$150.00} and one for {$550.00} which i later found was a lie there was only one claim against me for {$150.00} but i continued to call him throughout that day because i honestly didn't understand what was going on he let me know that i was basically annoying him and for me to stop calling and he would contact me on XX/XX/XXXX which is today and i have heard nothing from him nor have i heard anything from the bank so this was my next option because i am fed up
They refuse to modify or lower my monthly payment they lie and refuse to assist the only thing they want is to take my home I wont give them my home nor move They dont lower my monthly payment They wont put me back on my original payment They refuse to use any program that help me to stay in my home They say denied how is it possible there is no help for XXXX like me Until my current temporary situation changes SLS are XXXX XXXX XXXX I didnt ask for this loan the person got this loan cheated and got away
I am a Sole Proprietor with a Business Phone number. IQ Data International @ XXXX called to collect a very questionable debt. 

They did not confirm my identity, and started to threaten my employee thinking she was me. 
They told her I owe money to a utility company. 

I have never received a letter by mail, email, or any other means of communication. 

When they started to shout and speak over my employee, I took the phone and asked if they were looking for a cleaner, and stated our hourly rate. He began to shout at me, telling me to calm down. He demanded proof that I don't owe his company the money, which is just a joke! 

Can we please get XXXX XXXX at IQ Data International to stop illegally calling companies in order to collect a fake debt, AND threatening employee 's, whom were never asked any security questions to confirm identity? 

I would like the harrassing Phone calls to stop kindly, as they can reach me by registered mail with any questions, or concerns. 
Thanks and have a gorgeous day!!!
Please be advised that I mailed via USPS XXXX. Letters to " Request to provide a Method of Verification, '' for items not being reported legally on my credit report to Equifax , XXXX. XXXX XXXX, XXXX, GA XXXX on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16. Equifax only responded on XXXX/XXXX/2016 with my initial request for a copy of my credit report on XXXX/XXXX/16. 
Equifax has failed to respond to within 5 business days of my XXXX requests for the results of their investigation nor has Equifax provided me with any additional updates on my requests for their Method of Verification. 
I was diligent in documenting these events, including the lack of Equifax 's response to produce the requested documentation a mandated by federal law. I can provide the CFPB with the copies of the USPS receipts, my unanswered letters to Equifax. 
I am respectfully requesting CFPB to intervene on my behalf to resolve my disputes. I appreciate CFPB request Equifax provide us with a proper and diligent method of verification of their investigation as required by FCRA of my inaccurate items reported on Equifax 's credit reporting. Thank you for your prompt response to my request.
Good Afternoon, My name is XXXX XXXX, and there are XXXX hard inquiries on my Transunion credit file. The inquiries are XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. I have called these companies, and they have told me that they have anything in their systems says that I applied for their services. I 've called Transunion multiple times trying to get these inquiries removed. They told me to call the companies, but this has not helped. I would like all of the inquiries removed from my credit file within 5 business days of this complaint. My phone number is XXXX. My email address is XXXXXXXXXXXX
dear CFPB : This is in regards of a collection agency that keeps calling me and also they wrote me a letter dated, XX/XX/XXXX and my Answer to them was a letter dated, XX/XX/XXXX. on or before the 30 days as per Federal Laws dictate I was in the Hospital on : XX/XX/XXXX, until XX/XX/XXXX. ( 3 dais ) The collection agency is asking me to pay XXXX.. MEDICARE my insurance Company already PAID the Hospital over {$38.00}, over my staying in the hospital and also my 2 times in the Emergency Room. MEDICARE PAID THE HOSPITAL ALREADY. I request as per State and Federal Laws to please to ask the collection Agency NOT to CALL ME any more. Also Not to Threat me any more and not to Harras me any more. Again the Hospital was paid in full bye MEDICARE. My 3 days inside the Hospital and my 2 Times in the Hospital Emergency Room. I request to please to the collection company not to communicate with me at all. If They have any questions or concerns They can get in touch with my Lawyer. Thank you for your anticipated courtesy and cooperation in this important matter. Respectfully yours..

XXXX ...
I noticed this debt had been placed on my credit  report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ). Arizona state regulations require all debt collectors to  send specific written documentation verifying the debt : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge.   I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a res  ponsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, this debt appears to be past the Statute of Limitations.
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information corre  ctly, violates the FDPCA and their Fair Credit Reporting Act.
Dear Sirs, XXXX  XXXX XXXX pulled a hard inquiry on my Experian credit report on XX/XX/2018. 
I have never authorized this inquiry and I kindly ask you to remove it. 

Thank you XXXX XXXX XXXX XXXX XXXX.
I attended XXXX  in the Fall of 2015. I had applied for financial aid on the first day the application was released and sent back my information on the first day it was available. Yet, I still did not receive Financial Aid until I came to Campus for move in day.

A week after XXXX break my aunt died. I had to leave to go home to MI to be with my family at that time. Because of those circumstances my financial aid situation was neglected when I came back to XXXX I was required to pay half of my balance to continue my studies. I did so. After that I received notification that there was a loan from Citizens Bank on my account. The issue? I never applied for a loan from them. It was being processed on my account even though I disputed this with the Office of Financial Aid. They instructed me to reach out to the bank itself, which I did and they verified that they had not sent me a loan for those funds. I wasnt in the headspace to dispute this. These funds never existed and prevented me from making a payment on my account At the time of the situation the loan had been processed on my account and I received no assistance from XXXX when trying to figure this out. When I looked today, the loan had been cancelled but it's existence on my account when it was never filed for is proof enough of this fraudulent loan.

During this time my mother became very ill and was involuntarily committed to a XXXX XXXX. I contacted the financial aid office to notify them of this and to ask for more assistance but was told that there were no more funds in the student needs based grant program. At this time I was receiving $ XXXX/ semester and was requesting more because my mother was, as stated before, XXXX and so she was not even aware of the situation. At this same time, students and staff were stealing {$1.00} million worth of needs based grant assistance from XXXX  and this is why they had no funds to assist me. In one semester a student received the university need based grant in excess of {$60000.00}. XXXX  had a student stealing money for the need based grant program that I qualified for and when I contacted the Financial Aid office, which was being run by these officials and students, they refused to assist me with any further grant funds and hung up the phone on me multiple times. The people who were stealing the grant money, refused to use the funds for their allocated purposes.
I 'm having a hard time getting my employer to sign my application for the XXXX Loan Forgiveness. 

I worked full time in a XXXX XXXX XXXX XXXX XXXX XXXX I XXXX  them in a XXXX XXXX. My primary job was XXXX XXXX such as helping them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and skills on how to navigate their XXXX XXXX 


Please clarify : Do I need to have a XXXX XXXX licence to be eligible for the XXXX Loan Forgiveness? It does not say it in the requirements of the application. Am I disqualified from this particular program since I do not have a XXXX XXXX license even though I met all the requirements that are stated in the application process? Please clarify does having an XXXX XXXX  license disqualify you from this program? 

Thank you