WillisBack/dataset-financial-user-claim huggingface dataset:
I am a long time customer ( 7yrs ) of XXXX XXXX XXXX which recently became Huntington Bank. I had two safe deposit boxes. I went into the XXXX office on XXXX XXXX XXXX XXXX, Ohio XXXX on XX/XX/XXXX to make my payment to renew one of my safe deposit boxes. I was assisted by the Teller Supervisor that day. She took the payment for the amount of {$150.00}. The funds were  transferred from my savings account to pay for the renewal of the box I decided to keep. I mistakenly left the key for the box I was closing. The manager told me to bring it back later. I returned to the branch approximately two weeks later with the key. I emptied the box I was closing. I also asked for entry into the box that I paid to keep. Again, The teller supvr assisted me on this day. I handed her the key because she stated that she needed to make sure everything was out of the box. I never handled the key for the closed box again. I have been receiving late notices for the box that I closed. I went to the branch to have a conversation regarding this but was treated badly by one of the Branch Relationship Banker II. She told me that she could see the withdrawal but could not see the money applied to the box. I have taken copies of the receipts ( dropped in the night deposit box ) but still they are denying that the payment was made and they are also accusing me of not returning the key. I have tried numerous times to speak with the Branch Mgr XXXX XXXX but she is not responding to my need for resolution. She leaves messages but does not indicate any resolution. My concern is that they have this bill marked as 90 days late. I miss the courteous and sincere treatment that we were given by XXXX XXXX. This is a simple problem that should have been handled w/n a few days.
My installment loan through Wells Fargo has always been paid on time with no issues for the life of the loan. In XXXX 2015 I was locked out of my on-line account and could not resolve the issue or log-in. Therefore I was not able to make my monthly loan payment on time as I always have. Prior to XXXX days late, I finally spoke to someone in person ( their automation system is horrible both on-line and via phone if you do not know your account number, etc ) and told them I mailed a check and asked specifically about it being reported late. I was told that it was noted, not an issue and I did not need to worry about it. 

A few days later I got a credit notification that I had a late payment. I immediately called Wells Fargo and had them reset my online account and paid again, effectively XXXX-paying for XXXX. I complained to my agent and asked to speak to a supervisor ( which I was hung up on ). After calling back I was told that there was nothing they could do and said to contact the credit agencies. 

I have tried disputing the fraudulent claim on my account XXXX through XXXX without resolve. I am desperate to have Wells Fargo fix their error as this lowered my credit score over XXXX points and I am in the process of building a home. They had the audacity to call me and ask if I wanted a car loan! 

This is my last step prior to seeking legal action against Wells Fargo and/or the credit reporting agencies.
On Friday, XXXX XXXX, XXXX I got a email from XXXX XXXX XXXX XXXX in which they said that they had " Denied '' my " Loan '' request based upon negative credit information on my " TransUnion '' credit report. I then called up " TransUnion '' and professionally explained to them the above same facts. I then asked " TransUnion '' for my " Free Copy '' of my " TransUnion '' credit report in according with the Federal law called the " Fair Credit Reporting Act. '' And I was told " XXXX '' by " TransUnion at which time they just hung up the phone.
My personally identifying information was compromised in the Equifax hack. I have already set a 90 day fraud alert.
I received an unauthorized charge on my Macy 's credit card on XXXX XXXX, 2015 for {$25.00} in my statement. I called to inquire about the charge and was told it was a monthly charitable donation that was being charged to my account. I disputed it and informed them that I never agreed to nor signed up for this Macy 's charity. After being told it was removed along with it 's associated fees and it 's monthly recurrences it may take a XXXX billing cycles to disappear from my statement. After 60 days the monthly statement still is charging {$27.00}. I checked my credit report and it says I have an outstanding balance of {$54.00} on the Macy 's card, therefore lowering my credit score XXXX points. After repeated calls and asking for assistance from their customer service, I 've had no resolution. I have never in my XXXX years made XXXX late payment or paid XXXX penny of interest for that matter on any credit card. My credit is very important to me and I hope you understand this is the card issuers mistake and their disregard for concern is affecting reputable card holders. I am canceling this credit card to negate any future exploitative actions on their behave. Please advise me of my best course of action to recover my credit to it 's previous credit rating. 
Thank You
Over the last few months, since XX/XX/XXXX of 2017, I 've been trying to settle my debt with Valley Credit Service out of XXXX, Or. I 've tried calling a few times and the time that I finally got someone on the phone, they said they had already taken action to sue me for my debt, without giving me a chance to work with them. They then demanded I pay it off to stop legal action. I have never received any written notice for my debt. I was never served a summons to appear. I do n't have anything on paper telling me what my debt is and how much. 
I am now getting letters from lawyers wanting to represent me on my case, even though I have not been aware of any case against me. I have emailed them 3 times and called 3 times and have not gotten a response. I 've even talked to the bank that gave my debt to valley credit. The bank called them as well. 

Would like to know what I can do now about this debt.
I get 10 calls a day over and over for the past 2-3 weeks from a loan company called Mobiloans claiming there is a debt owed of XXXX for a loan that was under my name social security and address that supposedly was direct deposited to a XXXX  XXXX XXXX account which I am not affiliated with nor have I had. I've called XXXX XXXX XXXX to verify this information and there has been no such deposits or accounts with any deposits from Mobiloans under my name and social security number. Since I denied the debt they continue to call me continually. This is not my debt. Please help me.
I disputed the negative reporting on my credit file - XXXX XXXX XXXX XXXX. I disputed it with all other credit bureaus and it was not verified - Equifax continues to say it was verified with them, they will not delete the account but they will delete the historical account information. i do not understand what that means, i asked for explanation but i get refused. So i 'm filing a complaint today because I would like to request the " method of verification '' under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). this request is within my rights. when i called equifax in regards to this request the agent told me she was not allowed to give me this information. under the FACT act i 'm entitled to a copy of it.
I have a car loan with XXXX XXXX XXXX XXXX and Transunion Credit Bureau through XXXX XXXX /XXXX XXXX XXXX is reporting inaccurate dollar amount owed which is effecting my credit score ... They are reporting I owe {$21000.00} which is incorrect..I owe {$17000.00} as of XX/XX/17..Please update or correct this information it is a serious issue that needs to be addressed..thank you
I have XXXX companies that are reporting incorrectly on my credit report due in whole because trans union refuses to investigate the said companies XXXX Nissian infinity this is reporting incorrect information XXXX XXXX bank this is also reporting incorrect information on my report XXXX federal bankruptcy this is also being reported incorrectly on my credit report
I use a credit monitoring service and was notified today of a collection account that is not mine. I believe this is fraud. They have a collection of {$860.00} that I absolutely do not own, and never had any dealings with this company. It states the original creditor is XXXX XXXX XXXX - who I also have no dealings with. This is a scam.
In regards to my complaint number XXXX, I haven't had the chance to respond. 

First, experian said that 2 of those account are not reporting at all, if so please clarify which 2 accounts, as I see 4 accounts reporting.

Second, based on the FCRA if one is a victim of fraud a CRA is then allowed " ONLY THEN '' to not only remove the fraudulent account but has a legal obligation to also BLOCK THE CREDITOR from reporting it!!

Third, you mentioned you verified that it's accurate. We'll if so please describe what it is that you verified, and what's your description of Identity theft is? OF COURSE THESE CREDITORS RESPONDED WITH STATEMENTS SHOWING IT'S ACCURATE, AND I BELEIVE 100 % THAT THESE ACCOUNTS WERE REALLY OPENED ON MY NAME, ADDRESS, SOCIAL, AND DATE OF BIRTH!!!! 
WHAT DO YOU THINK THEFTS DO??? 

YOU THINK THEFT ARE THAT STUPID, AND YOU THINK BANKS ARE THAT STUPID TO OPEN AN ACCOUNT IF NOT ALL INFORMATION MATCHES. 

BASED ON THE FTC, 90 % OF PEOPLE FIND OUT THEY ARE VICTIMS OF IDENTITY THEFT MORE THAN A YEAR LATER. 

I WILL BE FILING A SEPARATE COMPLAINT REQUESTING PROOF OF THE 2 ADDRESSES WHICH ARE REPORTING IN MY REPORT AND HAS ABSOLUTELY NOTHING TO DO WITH ME. FURTHER WILL I INCLUDE IN THE COMPLAINT HOW YOU WERE ABLE TO GET 3 NAMES ON MY REPORT, AND I WILL ATTACH PROOF THAT YOU RESPONDED MORE THAN 30 DAYS LATER AMONG, OTHER VIOLATIONS.
I received a pre-paid Visa Debit card as the result of a promotion by XXXX for a set of XXXX appliances i bought from XXXX. XXXX. The card value was {$300.00}. The card was issued in XXXX of 2015. This was an XXXX promotion, not a XXXX XXXX promotion. I set the card aside in anticipation of using the funds for a project in the near future. I did n't realize the that the actual physical card had an expiration date ( the expiration was XXXX, so the card was only good for 6 months ). When I tried to use the card, I was told that it had expired. It is my understanding that these kind of cards are to be honored up to 5 years for the date of issuance. I have tried very patiently to get XXXX, XXXX, the XXXX XXXX, XXXX, and XXXX to honor the card. They have all gave me the run around, or have passed me on to someone else, someone else who ultimately could not help me. Can you please help me with this matter? Do I have any recourse? Is their denial to honor the funds legitimate?
I need to file a complaint against Bank of America. On XX/XX/XXXX I deposited {$500.00} into my account with my debit card. I got a receipt from the atm showing the transaction. Later that day I wasn't able to access my money. I called them to see what was going on. I was told by a customer service representative that my account was closed on the XX/XX/XXXX. If my account was closed how was I able to deposit the money? I didn't receive any notifications/emails/letters etc saying that the account was being closed. I've filed a claim but have been getting the run around. I went to the location where I used the atm and they were no help. When I call the number they all tell me different things. I spoke to a manager in the claims department and he 1st told me that the claim was denied! He put me on hold and then came back and said they will be sending me a check. I didn't deposit a check, I deposited {$500.00} of my hard earned money. I want my money back!!! How is this even possible that they can take my money and act like it's no big deal?? This is an error on Bank of America 's part because they didn't communicate with me, they closed my account and they let me use a debit card that shouldn't have worked if my account was closed!! I just need MY money back and not when they feel like it. This is stressing me out and I need to get this resolved now.
I have tried to get pay pal to delete my old checking account information and replace it with my new bank account information ... they refuse saying that I opened the account with my old checking account info as my primary. I have explained to them that it is normal in the course of several years to switch bank accounts. So now they are charging my transactions in which I am unable to select the account myself automatically to my old checking account. I have been charged 5 NSF fees in the amount of {$35.00} each. I tried to call to have this resolved and spoke to 3 different people. The last was an escalation rep XXXX that told me since XXXX XXXX covered the charges I must have had the money in the account. I tried to explain to her that yes, they paid it but they charged me a fee for doing so. She refused to assist any further.
I was told by XXXX XXXXe that I had until Monday XX/XX/XXXXto e-mail the modification package to them because the foreclosure sale date was set forXX/XX/XXXX. I was told that they would be able to halt the auction slated forXX/XX/XXXX and they would review the modification package. I e-mailed that modication package on FridayXX/XX/XXXX, which is 3 days prior to the date they had told me. I included all supporting documents they requested. I called Ocwen multiple times to find out the status of the modification package. The first time, Tuesday XX/XX/XXXX, I was told it was too early to give me any update and that I should wait five business days. When I called Ocwen today ( Monday,XX/XX/XXXX) I was told that my application had been denied because I sent it in too late. I was also informed by Ocwen that they never even looked at the package.
I received a debt collection letter from IC System, but their phone number was disconnected. I looked them up on their website and called that phone number, which kept disconnecting me every time I called. I do not know what this debt is for and I can not get any information about it, since none of their phone numbers are valid. I suspect this is fraud, but since it refers to XXXX, I am concerned because someone recently hacked into my bank account and tried to run charges through XXXX. I have not charged anything through XXXX and do not have a XXXX account. Someone is using my identity without my permission and now I am getting collection letters. How do I stop this and make sure my credit is n't adversely affected?
I was late on a payment in 2009, because the bill was sent to my XXXX address. I never missed a payment since that date. Navient avoided getting in touch with me and denied my request to have the old ( greater than 7 years ) blemish removed from my record. They were very hard to work with, changing the requirements to submit a request to review the situation twice during the process.
My lease is throu gh GM Financial. I t ook it out in  XXXX ,  XXXX . All payments have been made on time. At the end of  XXXX  i discovered a payment made on  XX/XX/XXXX  for  XX/XX/XXXX  due date was missing. I contacte d GM Financial an d they stated to fax in a copy of the cancelled check and remittance coupon which i did on  XX/XX/XXXX . I had n't heard back so on  XX/XX/XXXX  i called and was on hold for ove r 30  minutes. They said further research was required and would call me back. As  of 24 hou rs later I have n't heard back so I called again. As soon as i called the lady indicated rep yesterday was supposed to escalate this and she did n't so she will need to put me on hold and escalate this. I have {$75.00} in late fees that should be waived and I really hope this is not reported to my credit as late since i 've never made a late payment. I call them again and just put on hold. They cashed the check the day they received it, but getting them to apply to my account is much more difficult. There was a remittance coupon attached which showed my account #.
I applied for and received a Wells Fargo credit card earlier this year. The credit card and statements have been coming to my correct address. 

Today I wanted to cash in the XXXX bonus and about 21.00 in cash back so I called the number on the back of the card. I was hung up on 4 times at various times after being on hold, while speaking with a rep. I finally got somebody who didn't hang up, and the rep confirmed my identity by asking several questions including my address. 

The rep transferred me to the rewards department. The rep in the rewards department asked me questions to verify my identity, including my address. But, she said she had a different out-of-state address, so she transferred me to 'banking ' which again had me on hold for a while before a rep answered. 

The banking rep also asked me for my address, and she had my correct address. She said she didn't know why the rewards dept had another address, but assured me that she had fixed the problem, and transferred me back to rewards again- so I was on hold for a while yet again. 

The new rewards rep asked me to confirm my address - but he still had the same wrong address.
On XX/XX/XXXX, I disputed items in my credit report that were a result of Identity Theft. I filed the dispute online through the Experian website where I was required to upload documents to support my claim of Identity Theft. I uploaded numerous supporting documents including, a copy of a police report for the theft of my belongings and credentials that led to the Identity Theft, and Identity Theft Affidavit, an FTC filed complaint for the Identity Theft, etc. On XX/XX/XXXX, I received a letter from Experian advising me that the Identity Theft report I provided for my dispute does not meet the guidelines by the federal Fair Credit Reporting Act for the following reasons. But the letter does not list any following reasons. Experian is now requesting that I provide them with an enormous amount of specific information and support documents in order to proceed with my dispute for Identity Theft. I've already provided them with the requested information when I initially filed my dispute online through their website and uploaded the requested documents electronically. There is already an extended fraud alert ( 7 years ) on my credit report from when I first reported the Identity Theft to Experian in XX/XX/XXXX. In order for Experian to have placed the extended fraud alert on my report, I was required to provide them with information and documentation that supported the Identity Theft, so the information had already been provided to Experian in XX/XX/XXXX. The information and documents I uploaded on XX/XX/XXXX, when I filed my dispute online through the Experian website, did reference the Identity Theft that occurred and supported the fact that Identity Theft was committed against me. I'm not understanding why Experian is now saying the information I provided did not reference Identity Theft. The letter I received from them on XX/XX/XXXX, fails to state the reasons why they did not accept the documents I provided.
Real Time Collection Agency were calling me last year about this debt which I was sick last year with XXXX XXXX and never made a payday loan with XXXX, so they were calling me everyday stating that they were going to go to my place of employment and serve me court papers if I do n't call them, and also calling my husband threating him because they never could talk to me, due to me having XXXX, so RS, put this on my credit report, and I have disputed this with XXXX, but it is stil on my report
I received a letter from a debt collector, Central Portfolio Control, on XX/XX/XXXX, stating I owe money on an account I do not recognize and threatening to take me to court. The original creditor on the debt collection notice is listed as XXXX XXXX XXXX. I've contacted XXXX XXXX XXXX at least twice by phone and both times my contact information was taken and I was told I'd be contacted by their fraud department but I have not received any call back to resolve this matter. 

I have responded to Central Portfolio Control via fax on XX/XX/XXXX informing them the account is not mine and is a result of identity fraud but have not received a response from them.
Note : There is no account in collections/judgement/credit reporting on my credit report and most importantly record is not available as it should be online when searching for court cases  (  judgment ). I was never notified about any debts, or aware of any debts, even to this day.  <P/> I initially was garnished in  XXXX  of  XXXX . The Creditor is  Valley Empire  Collections in  XXXX , WA. The garnishment reflecting on my paycheck was the initial notice about this debt. I found out that there was an alleged debt  XXXX  transpiring from  XXXX   XXXX   ( who clos ed  XXXX  ). Due to the age of the account I could not even recall the debt in addition there was no communication received from the agency or  XXXX . I was disappointed to find out that I would be garnished for a debt i do not recall, or be charged for allegedly terminating a contract when actually the company shut down.I have not been billed for, and for a company that closed in  XXXX . In all of my ( and famil y )  communications with the agency since  XXXX   XXXX   (  maybe  4/5  calls ) they have failed to advise that they were a debt collector or the mini/recorded miranda, so i can not confirm if calls were recorded. I have yet to receive any validation of debt and the agents seems irritated or not wanting to help when requested. It is my understanding that though i am being garnished 11 years after the agency retained the account that somehow i can be still be garnished due to an apparent judgment for it almo st 10 years old.  It is wrong to let an account sit like that with no communication/consumer knowledge, let it build interest maybe 80 % more than the initial balance and then decide they can garnish the consumer. I thought the FDCPA/FTC laws were here for the consumer. Waiting 10 years not only complicates the balance as it accrues interest but it contradicts the statue of limitations and that is the biggest failure, having laws to protect consumers that in this case ca n't apply per the agency. I would like this complaint to include the agency as well as the FTC as i feel these laws are more so here to protect the debt  collectors  versus the consumers.
Several times I disputed this account with nothing updated. My auto loan with XXXX is being paid as agreed. I have attached payment history and my account is current. Please help assist me.
I have been writing back and forth to you and all XXXX Credit Reporting Bureaus. Several items have been removed, however, I have requested ( 4th time ) a copy of my updated credit report from each of the agencies. Please have them mail a copy of my updated, corrected credit report w/credit score to me at : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I am still having problems with XXXX XXXX.