WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX I went to my local Wells Fargo office and wired {$18000.00} to buy a car. I covered the wire by transferring {$7000.00} from my business checking ... XXXX to my personal checking ... XXXX and I wrote a convenience check # XXXX for {$12000.00} to be deposited to my personal checking acct ... XXXX and charged against my personal credit card ... XXXX which had a {$13000.00} limit and a balance of {$110.00} leaving an available credit amount of {$12.00}, XXXX. There was a 4 % fee of {$480.00} which would have left an available credit balance of {$400.00}. The wire transfer occurred without incident, but the convenience check was never charged to my personal credit card ... XXXX. As of XX/XX/XXXX, the available credit is still {$12000.00}. 

XX/XX/XXXX The convenience check was returned NSF, which I do not understand. My business checking account XXXX balance of {$7700.00} was taken to XXXX to cover the NSF . My business credit card ... XXXX was charged {$4200.00} and that amount transferred to my business checking to cover the remainder of the NSF convenience check. Plus other overdraft fees. 

All the above transactions were done in the bank with the full knowledge of the staff regarding the multiple steps that needed to happen. Everything went smoothly and the wire was sent. However, after discovering that my business account went to XXXX, I met with the bank rep on 2 occasions and had a couple of follow up phone calls with him. The problem was being " escalated '' and assigned to a person whose job was to solve these problems. I was told it will resolve itself in 3 days, then 5 days. After 7 days I gave up. To this date, nothing has changed. I have not been contacted by the bank. Today is XX/XX/XXXX. Had my personal credit card ... XXXX been properly charged {$12000.00}, none of this would have happened.
I am adding additional information that was forgot on Complaint number XXXX I am enclosing the mortgage statement prior to my closing which shows Principal of XXXX which XXXX was added on with out NO approval and NO agreement in writing by the XXXX XXXX XXXX nor XXXX XXXX nor any approval from my wife XXXX XXXX XXXX, they can not just add principal on with some type of written approval for someone!!!! I only borrowed XXXX from XXXX XXXX /XXXX XXXX who sold it to XXXX then XXXX XXXX then back to XXXX then to XXXX , its like a game and they never have any answers and always XXXX up our credit, force place insurance on a 20 year old mortgage that is escrowed, and now with this {$11000.00} we are worn out with this types of mortgage companies they all provide the worst service more important they cant provide any approval so we want the {$11000.00} that the stole or added to our payoff as they refused to answer any letters and we were at closing so we had no choice but to close as we been trying to sell this home in Florida for over 2 years so they force this on the title company otherwise the closing would have fell apart. This is a second part to be added to complaint # XXXX. We would never want this to happen to someone else
XX/XX/XXXX during the Holiday season Walmart approved me for a credit card without any income verification. Since then I have paid my account on time and paid off the entire balance twice. In XXXX XXXX I actually paid my account twice XX/XX/XXXX and XX/XX/XXXX although payment was due on XXXX XXXX which was a Sunday. In XX/XX/XXXX I was charged a late fee but I was given credit on XXXX/XXXX/XXXX. In XXXX my credit limit was decreased to {$400.00} without any justification, I called customer service to dispute the matter and after verifying my net income, Walmart declined to increase my limit again to {$500.00}. XX/XX/XXXX XXXX increased my credit limit to {$1000.00} because I 'm a good customer. I have been a good customer to Walmart also. Since obtaining the Walmart credit card in XXXX XXXX, I have actually lowered my debts and increased my credit score. Walmart reduced my credit limit unfairly. Walmart is using deceptive practices in providing quick credit approvals then re-tracking themselves after 6 months of paid interest at 23 %. The approval in XX/XX/XXXX at the {$500.00} limit was based solely on my zip code, nothing else was asked.
I am a victim of their Inquiry issue : I have not given permission or consent for any of these inquirys XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX , XXXX
I am filing this complaint because Equifax has ignored my request to provide me with documents the their company has on file that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my request to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. Please resolve this manner as soon as possible. Thank you.
This account is being illegally reported on my credit report. On XX/XX/18 and XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out the company yet again with a letter in getting this issue resolved, I sent along an affidavit/police report but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!
I have had this number for almost two years now and have been called by XXXX to XXXX collections agencies to include this Southwest which I called on XXXX XXXX, 2015 to tell them I am not the party they are attempting to collect from and have no idea whom they are. They ask for XXXX or XXXX XXXX each time. I am not sure if I spelled XXXX correctly. I again called this collection company on XXXX XXXX, 2015 for a call I received on Sunday XXXX XXXX, 2015 to let them know I was reporting them and a XXXX claimed I have never been called by them. Seems they all say that, but I maintain a scrap paper note of these calls and Southwest is one that has called with the same telephone number. My home phone is unpublished and unlisted for my privacy. 

Note I have been receiving collection calls for this party from the day I switched from XXXX system to XXXX and one reason I changed was because I received calls on XXXX system for a different party collection. I am filled to my ears with the annoyance as they call from morning to night, seven days a week. I am about ready to shut down my phone service.
In XXXX 2016, I filed for a modification. My single point of contact was XXXX XXXX. Once all of my documents were received and processed, I was told that my modification worked on a 3 month trial run and that I had to make those 3 months on time and then it would go permanent. I was also told that my 1st payment was n't due until XXXX XXXX. That left me open for XX/XX/XXXX & XX/XX/XXXX. I asked XXXX XXXX several times on more than one occasion and another rep that I called in and spoke with about those XXXX in between payments. My question to them was did I have to make those payments and with me missing those payments would that be reported to the credit union as late since I 'm doing a modification. I was told by XXXX XXXX and another rep, that what happens is once your modification goes permanent, they would go back and update the months from XX/XX/XXXX to reflect current. I am now trying to get a loan to update some things around my house and the credit bureaus are showing me as 6 months late. I have not been late, as a matter of fact, my mortgage is paid before the XXXX of the month. I 've since then ( in the last 2 weeks ) have been calling Roundpoint and getting the run around and also being told there 's nothing they can do because I was misinformed. How dare they! So now, I 'm being penalized because you have people misrepresenting your company. I told them several times, if they documented my account they can go back and listen to all of the recordings to see what I was told. My sister cosigned for me on my loan there 's no way I would mess up her credit along with mine. Now they do n't want to correct what they 've messed up. I can show bank statements where my note has been paid on time and if they can produce the calls you will clearly hear them tell me that they will go back to update that information. This is bad business and they act as if it 's not an issue for them.
I 'm XXXX and XXXX and XXXX and also will be filing complaints against them for discrimination against people with XXXX. I wish to make a complaint against PNC Bank. On XX/XX/XXXX, I attempted to use my XXXX Debit Card to make online purchases and received an error that my card was invalid, I then attempted to use my card again on XX/XX/XXXX at XXXX and my transaction was denied. I contacted PNC Bank with my son, to inquire why these transactions were denied and, I was advised that because my magnetic strip was worn out, this is the reason my online transactions were denied and a replacement card needed to be mailed. My son, felt this bad explanation being that an online purchase, has no bearance with anything to do with a card 's magnetic strip, and this being the case, why had n't they notified me. Then, I was informed by the service rep because, I no longer have a checking and only savings, these transactions were being denied, but I have used this card to always make purchases and to pay bills and other point of sale transactions. PNC issued this card to me on XX/XX/XXXX, but has never notified me in writing, that because I closed my checking XX/XX/XXXX, that I can only use this card to make withdrawals from my savings. This is a holiday week and now they ca n't even provide a good explanation of why I ca n't use my card. In addition, I was unable to login into my online account due to PNC Bank freezing my online account login and after providing the correct information they refused to allow me access to my online banking and stated they had to mailed password and I would receive it in 3 to 5 business days, when my account had been fully authenticated and what disturbs me is they always provide generic responses, besides having deployable customer service, and only resolution they can offer is about going into local PNC Branch ; who nowadays goes into local branches, that 's the reason for having online banking in the first place and I 'm also due to reason I 'm unable to leave my home due to my current medical condition. I need to make a complaint against them for blocking the authorized use of my funds and deliberately discriminating against the elderly and people with XXXX and failure to provide written notice of restrictions and changes made to my Debit or Bank Card.
I had to report XXXX Incidents of Fraud to Chase Bank which resulted in me having to close my checking account. Chase told me I had to come in person to close the fraudulent checking account and open a new checking account. XXXX XXXX, I notified Chase fraud department to close out my debit card because a company connected to fraud had my credit card information and another call was placed XXXX XXXX to stop a check due to another company that was fraudulent. Since I had my account with Chase it was in good standing. I got caught up in ordering things from the Internet and the companies were not reliable. Chase okay-ed my new account and my new debit card. It was not until I checked my account to see if my Social Security Check had posted into my new account I found that there was no check posted.. Their personal banker for Chase name XXXX XXXX ( XXXX XXXX had transferred everything from the old account to the new. When I called Chase to asked them what happened to the direct deposit of the Social Security check they informed me my account was close and they no longer wanted my business. They did not know where my Social Security check went and they would mail me my account balance. I informed them that I could not wait for them to mail my funds and I was told that was the best they could do. They were very insensitive to my needs when I told them I had no money. Everything I had was tied up in their Bank account and they still insisted that they could not give me my full amount back. I love banking at Chase and I do not feel because I had a few bumps in the road they should close my account. They told me it was perfectly legal and they did not have to give me an explanation.
I have never received any form of documentation from this company stating I owe a debt. I found this collection item on my credit report. I contacted XXXX and they stated they had the wrong address in their system. I have been going to XXXX for years, I am not sure how that happened.
I did not understand the interest on the balance, my account is in deferment because I am still in school but my account is stating I have to start making payments in XXXX.
I do not know if previous submission worked. Equifax is saying my communications are frivolous now. I have XXXX types of items that are still showing despite XXXX disputes of them including documentation ( attached ). 
1 ) Tax Lein Release withdrawal, serial # XXXX, IRS form XXXX. This states the IRS is withdrawing reporting of this lien. I just phoned them, and they told me to submit the attached form ; however, I have done that, on at least XXXX occasions. XXXX XXXX and XXXX have both removed the tax leins ; it is only EQUIFAX who has deemed this irrelevant and frivolous. 
2 ) Judgements : There are XXXX judgements listed in error. Both XXXX and XXXX have removed them, Equifax is saying my requests are frivolous, told me to get hold of the courthouse and attorney, I did, and they can find no record of them. Equifax has not done their job by actually calling the courthouse and/or attorney. XXXX and XXXX have deleted these items. 
I am XXXX, XXXX, and do not have much money. I can not get credit, which I need, and have trouble renting. Please help. 
XXXX XXXX
In the summer of 2015 this debt was paid to : COLLECTION CONSULTANTS XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Now, 2 1/2 years later they have reported my debt as unpaid to XXXX. I suspect the FALSE debt will also be put in XXXX and XXXX. 

Collection Consultants even told the credit reporting agencies that the debt was pain in 2015. 

Please help, my XXXX score dropped from good to fair, a 25 point drop. And worse yet I am trying to refinance.
On XX/XX/18 I received an initial loan estimate and decided to lock in the rate that day and not pursue other lenders. I specifically stated that I did not wish to pay points and wanted to lock in that rate as I was already pre-approved. I had no issues with the banker I worked with during the whole process. On the day of my closing I noticed an additional charge for points and when I asked them to remove the charge I was denied. I spoke to the manager XXXX XXXX who refused to remove the charges because if he waived the fee for me, then he would have to waive the fee for everyone and he wouldn't want to lose money. He claimed to have provided a credit to offset the points, however the credit was on the initial loan estimate so that was a false statement and I couldn't do anything at that point. This type of predatory lending and his attitude was unprofessional and disappointing. I couldn't delay the closing any longer so I signed the mortgage papers. If I could go back I would pick a different lender just because of this manager. I do not recommend using his services.
Went through  XXXX    XXXX   XXXX   which made an agreement with  On Main fi nancial in the amount of  XXXX  through the law office which was representing  one  main. Payment made for the first  XXXX  and then the second payment of  XXXX  was made on  XXXX  over the phone to the law office from  XXXX   XXXX . I have the receipt with transaction number. I was not aware this was not cleared till 15 months later when I received a letter from  one main telling me I was delinquent. I have spoken to many individuals at one main who keep telling me they are working on it and have not resolved receiving the p ayment from the law office. They keep telling me they are trying to resolve it but meanwhile this still is sitting on my credit report.
Hi I am XXXX, I asked my annual free credit report from Equifax but they are not able give me that, they are simply telling some or other reason I have received credit report via mail twice once but when I ask them they say your address is wrong in our system. ( which they corrected it seems today ) I am afraid why I am not able to see the report online and how I receive the credit report on mail when Equifax has wrong address. 

Please look into this Thanking in anticipation. 

XXXX XXXX
I attended XXXX online. This past XXXX 2015, I followed the university 's process and withdrew from my course work before the final withdraw deadline. My academic advisor was XXXX XXXX. On XXXX/XXXX/15, I received an invoice from a collection agency by the name of States Recovery Systems , Inc. stating that I owe {$1500.00}. XXXX ( the account was transferred from XXXX ). I have never received any bills, correspondance, telephone calls etc. from XXXX regarding this " debt ''. I do not believe that I owe this debt as my student loans and grants covered all of my educational tuition and fees according to my last conversation with XXXX XXXX. I also withdrew from my course before the withdraw deadline. Since, I had never been made aware of this debt from the university, I explained to the representative ( she refused to give me her name ) from States Recovery Systems , Inc., that I was disputing the debt she became extrememly argumentative with me and threatened legal action. I feel that I have a right to know about a debt before it is referred to a collection agency. And I have a right to have the debt verified. I have supporting documentation to support my claims. I am suspecting that this is a scam but, if its not, I feel that XXXX needs to collect the debt in accordance with collection and billing laws.
I have had this bad debt on my record and have contacted XXXX XXXX XXXX many times about it. The amount is for canceling my phone contract and they say I never turned in phones. I did and proved it and somehow this collection company got it anyway. So then I contacted Enhanced Recovery Company and was offered a settlement and agreed to it. When I went to pay they said they have no record. I challenged this debt twice and have been given the run around. They have threatened suing me and garnishing my wages even when I tried to come to a agreement with them. My credit have now been effected for yeas over their fraudulent activities. I have tried many times to clear this debt and only been spun by this company.They just lie and spin us and refuse any reasonable offers. 

ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX, FL XXXX I want a resolution to this so I can fix my credit and buy a home.
collector called did not advise call was recorded or gave mini Miranda he stated i was a pt at plantation hospital asked me to confirm an address they had on file since i was not a pt at the hospital i refused to verify my address he became angry and stated i would no the balance if i opened my i asked for a mgr he hung the call i call back s/w a mgr who stated he would review the call and reprimand the employee
I submitted proof of payment for a check that was accepted by XXXX XXXX to Equifax, the check had a restrictive endorsement statement on it. The statement said " cashing means an agreement to permanently remove account from my credit report ''. Instead of Equifax removing the account, they updated the balance of the account and did not investigate the actual dispute, which was that the account must be removed, since the check was accepted for payment.
I have recently obtained a copy of my credit bureau XXXX  credit report. It showed an inquiry by your company that I did not authorize. This inquiry was sent to you by XXXX XXXX XXXX on XX/XX/2017. I have obtained a copy of the Credit Application from the dealership signed by me ( attached below ) and this application does not authorize you by me for your financial institution to run my credit report at anytime.
I got a call from Cash Call on XX/XX/2016 and was offered to refinance my mortgage at XXXX % with no costs and no appraisal ( I had recently gotten an appraisal with them, but was given a " bait and switch '' to a higher rate, so I declined that loan. ) This time, they said the previous loan handler screwed up, and they would help me make this one go through. I filled out all their paperwork, emailed them copies of all supporting documents they wanted. They then said they were waiting for a response from the credit union that was holding the loan for my solar panels, which needed subordinating. I waited and waited and kept calling them and asking why the loan was being held up. They kept saying the credit union did not respond. I then contacted the credit union and I now have proof that Cash Call did not notify the credit union until XXXX ( and they promptly responded on the XXXX. ) In other words, Cash Call dropped the ball and did not get the subordination they needed until almost XXXX weeks later - at that time, rates had gone up, so they no longer wanted to honor the offer they made me. Meanwhile, my credit score has the ding of the extra credit score pull, I have wasted all that time and effort getting them docs, and they want to weasel out! It was their fault! They dropped the ball -- not me! 

To make matters even worse, this is the second time!! The first time ( a few months ago ) I even went through the entire hassle of going through a home appraisal. I kept telling the loan agent that I would only refinance for a no cost rate of 3.75 % and they kept saying " we will work something out. '' After completing everything, filing for the loan, getting the appraisal, etc, they did a bait and switch and came back complaining saying " Come on! After all that work, you wo n't accept a higher rate? We ca n't do the lower rate we had mentioned. '' -- - I reminded them that I had been telling them all along I would not agree to a higher rate. They cancelled that loan, and my credit score plummeted. Now they are at it again!!! What is going on? Do they get money for getting people to agree even if the loans do n't go through???? 

If you need proof, I have all the phone calls recorded myself ( and they do too ) for which I can provide you the XXXX files, and I have all emails.