WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I am a customer of Wells Fargo. I had XXXX accounts with them. I opened a second checking account with them when I found it would work better for my family. When moved over to that account, I was suddenly hit with a ton of overdraft charges in the other account. I wrote an e-mail to them, and the account was closed. I thought that was the end of business with that account because it was all fees that over-drafted the account. So, I moved money to my savings account the other day. It was automatically taken out to pay for the other account. I never received any documentation saying I owed them money, and I counted on that money in the saving account to pay my property taxes. I just think closing that account and not telling me that I still owed them money was wrong. I have legal insurance and will seek help from an attorney. They should have at least sent me a bill. What they did was wrong and unthinkable. As I said, a simple bill would have sufficed. I will try to move all of my accounts from that bank. I thought they were over the bad practices, and I was wrong.
I have been trying for over a year to get someone to help me regarding removing this inaccurate information from my credit reports. I have a Bankruptcy on my XXXX, Experian and XXXX credit reports that was dismissed and never discharged because I never went to court for the judgement because I found a job before I had to file bankruptcy so I withdrew my request for the court to begin an active bankruptcy. I have written letters to Tennessee Bankruptcy Court numerous times only for them to not answer my certified mail even after I paid for them an envelope to send me the information to be corrected. All 3 credit bureaus claim to have verified the information with Tennessee Bankruotcy Court but no one has sent me proof or contract or court documents of an active bankruptcy because one simply does not exist. All copies of the letters that I sent and dates are attached for proof. Please I am begging to remove this inaccuracy from my credit report. I do not wish to file court proceedings against XXXX, Experian, and XXXX  for reporting inaccurate information that is a violation of my rights as a consumer. Please remove Bankruptcy from my credit report within 15 days according to FCRA.
Bank of America has reopened a forclosure lawsuit after being given a Voluntary Release and Dismissal of Lis-pendens dated XX/XX/2013.
I received a prepaid rewards card from American Express as part of a promotion for purchasing an electronics item from an online vendor. I live in Minnesota, where I thought any gift card whether prepaid credit/debit or otherwise would be exempt from service fees. In other words, if you receive a {$5.00} card then it will remain as such until used. 
On the Front of the card it labels the {$5.00}, and a Valid Thru date of XXXX ( XXXX 2020 ). But on the back it claims it will sustain a {$2.00} service fee per month after XXXX months of issuance, but in the same line it says Funds do not expire. 
This is very confusing. Funds do not expire, but they clearly do through the attrition of the service fees. The semantics might be different but the end result is the same. You must use this card or else the fund will indeed expire. 
The rebate program was a joint venture between XXXX and XXXX.
Wells fargo home mortgage account has been satisfied and reached the Statues of Limitations. Deleted off of 2 reports but not all
ON XXXX/XXXX/XXXX and XXXX/XXXX/XXXX i have recived those summons pertaining to credit card debit, from law offices of lustig , glaser & wilson , p.c . in XXXX ma. XXXX, i was told to call the office and i did and i explained my situation that im in finacial hardship and a dependant living XXXX, they told me to send a written statement saying what i had just said, so i did, i called back to see if they had got the statement, no answer to the question, then they proceeded to tell me to read the summons and sign it, i had told them there was no where to sign, so they said they would send me something to sign ( not telling me what after asking ) i had received it signed notized and sent back, IT WAS A STIPULATION OF JUDGMENT )., i got a letter staying that they never got the stipulation of judement i sent, but i made copies.. I called and they told me dont worry about that., after not getting any answers i called a voluntary law office free of charge to ask a question about this, he told me i should have gone to county clerks office to let them scan the summons in, so, i went on line to the XXXX court portal and found they had won one of them, the other was still open, i went up and had them scanned, And then i got a FINACIALl statement from them to fill out.I had no court date, they just did all this without my knowledge., now i find out the other summons they sent they won, after all i had gave them, a written letter, they requested, a stipulation oF JUDGEMENT i new nothing of what it meant, and now a FINACIAL statement stating that that i failed t make satisfactory payment arragments with them ... they had already won and i had no court case., no knowledge of them even going., i have not filled the finacial statement out, i feel that they did not follow the rules of the law and just decided to do what they wanted without me knowing, i have made a complaint with attorney generals office in mass, and explained it to them, i barely get by .now they do this, getting away with an action i was unaware of., so they won both cases, and i was not present for either one nor did i know of anything else that they did.,
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I am requesting that the following account be verified or removed immediately. XXXX XXXX of Arkansas Discharge Date XX/XX/2017 Type Bankruptcy : Discharged CH-XXXX Reference XXXX Plaintiff
I have XXXX and XXXX monitoring my credit. I received notification from both that a collection for $ XXXX was submitted on both my XXXX XXXX and XXXX credit reports on behalf of XXXX. The collection agent is Credit Management , LP of XXXX, TX. I called XXXX, and I do not owe them any money and was not even listed on the account that my husband has. They have confirmed that the account that he has is in good standing and being paid automatically each month. I have since gotten a written request to pay this debt by US mail from Credit Management. I have filed a complaint with the US Postal Inspector and will be filing a complaint with the Illinois Attorney General 's Office. I have disputed this item on both credit bueaus. 

I am the XXXX of XXXX at XXXX XXXX XXXX in XXXX, IL. This company is attempting to collect debts not owed by holding credit reports hostage. I will not let them get away with this fraud.
I filed a complaint through CFPB on Bayview loan servicing for reporting false information to the credit bureaus a few months ago. They responded to the complaint apologizing for their errors and stated that it was their mistake for the missing payments as monies had not been applied properly. I have refinanced to another company and Bayview updated my credit report to {$0.00} balance which IS correct, but they put all of the derogatory payment history back on my report which they already acknowledged was their fault. Per my lawyer and the judge, they were required to remove all of the false information from all of my credit reports. This has once again negatively affected my credit. They have put since XX/XX/XXXX that I have been 90 days late and that only XX/XX/XXXX and XX/XX/XXXX have been current. Which is false. They also continue to send me bills for escrow of {$210.00} even though my account has been refinanced to another lender since XX/XX/XXXX. I do not want them to report that I am past due on those monies as my account is paid in FULL.
I was charged a {$35.00} overdraft fee on XX/XX/XXXX for a check charge in the amount of {$23.00} when my account never went negative and the balance ended at {$58.00} on this day. I contacted the bank and spoke with XXXX and the XXXX and was told it was because of a pending {$8.00} XXXX XXXX charge. Even if that were true it still does not bring the account to a negative balance. The refused to give me the phone number to corporate or speak with anyone else regarding this matter. I was charged a fee incorrectly and they have done nothing to resolve this matter. I have been a customer of BofA since XX/XX/XXXX and this makes no difference to them.
Equifax was subject to a security breach from XXXX through XXXX this year, in which hackers were able to access people 's SSNs, birthdates, addresses, and other personal information, including mine. Equifax did not notify the public until XXXX. Upon publicly announcing the breach, they set up a website that they claimed would tell consumers if their information had been accessed or not ; when I tried to use the site, I was given no clear yes or no answer, but instead given a date for which I would be eligible to enroll in Equifax 's TrustedID program ( which I did not want to enroll in, nor did I agree to enroll in ). It was later pointed out that the website 's FAQ appeared to state that by using the site, consumers waived their right to sue. Equifax did not clarify that this was not what they meant until after it was pointed out that this was not legal.
XXXX was my balance, overnite regions added XXXX bank fees, just when I was going to pay them off, that's when I contacted consumer financial protection bureau demanded the fees removed, region manager offerd me XXXX, everytime I called regions they would want to collect all the unethical fees, during that time I signed up with comsumers credit consueling, I paid regions XXXX they are not applying my payments to account the stilling charging me fees, the collection employees only want to continue to harass me about the fee, my balance should only be XXXX to close out account.. regions want to collect the fees, it is account ending in XXXX, regions act like they have no notice from cfpb,, the are collecting more than I owe them
Automobile that was purchased through the SECU and repossessed 20+ years ago. Credit Union could n't provide me with original copies of information on it and a personal loan in the amount of {$2000.00} for the car and {$480.00} for the personal loan. Total of {$2400.00}. Refusing to allow me to open an account because of this unresolved issue although I meet the eligibility criteria. Thank you
I was advised by my manager that you guys could help me with items on my credit that are not mine. I have been trying to fix and I was also advised to contact the FTC and my local police which I did both. Please have these items removed from my credit as they are not mine. XXXX   XXXX ( Equifax, XXXX ), XXXX ( Equifax, XXXX, XXXX ), XXXX ( XXXX ), XXXX XXXX ( Equifax, XXXX, XXXX ), XXXX ( Equifax, XXXX, XXXX ), XXXX XXXX ( Equifax, XXXX, XXXX ), XXXX ( Equifax, XXXX, XXXX ). I am acting on my own behalf and  need help with this.
they send me an email states the money is coming out on fri and then they don't take the paymnt for at least five days esp. if weekends involved and once when It didn't clear they charged me a XXXX fee for late pymnt when it s their fault and I was assured then when I paid the late pymnt that wouldn't happen again and continues to happen
I am receiving frecuent calls from this number. I do not know the person contacting me but i suspect its a debt colection agent in representation of a debt collection agency which bought my debt at a lower price than what i owe. Buying debt specially at a fraction of the cost is an illegal act and its usury. I understand that every 7 yeard debt must be discharged and this has not happened. I cant pay that debt since I do not have a job that pays enough to get rid of the debt. I am under XXXX as well since the economy drove me to be on federal aid since there is no job opportunities nearby and im not willing to go out in exile to the usa to work there. I do not earn enough get out. Please make them stop i dont like the harrasment and i was very clear as i am not taking any calls and i am not going to pay the debt because i am broke.
On XX/XX/2018, I reviewed all 3 credit reports and noticed that the late fees for XXXX XXXX ( XXXX and XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX are still not reporting accurately. I've previously mailed letters, sent emails, and have made calls only to be advised that they are unable to update payment history and that I will need to contact the credit bureaus. The credit bureaus directs me back to the creditors. I am in the process of closing on my new home and the payment history/late fees are reflecting poorly.
Because of the Equifax data breach, my credit report information was compromised. Ive gone to great lengths to put security issues on my credit file, so if a credit application is filed, I am to be contacted to verify its for real, by calling my number. Now, since my information was taken, its back out on the market to anyone who can use it
First - it took 3 years to consolidate because  Fedloans h ad trouble getting someone to process paperwork, they requested multiple copies of documents due to lost forms by them. Now,   XXXX   renewal of  XXXX . Was sent documents  XXXX , not due til  XXXX  ... .posted on site    XXXX   . Documents they gave to me and documents requested. It is now    XXXX    and I have been calling them each week. A supervisor states each time documents are correct and complete. They do not understand why this has not been completed yet ... .my payment should be  XXXX  same as last year. Now I am crying everyday, I am a single mom and found out today they are denying and wanting same paperwork again. They are going to take  XXXX  out of my account because they can not process paperwork and I will lose my home because of the payment and  Fedloan  not doing their job correctly. having trouble typing cause I am crying. Is there someway of making this go away? I can not handle this every year ...  .the threat of losing everything because they are incapable of doing their job ... PL EASE HELP
I been trying to do a loan modification with Chase, I have applied in the past, but I have not been successful because of my income. This time they do n't want to even look at the my application even thou my financial situation is different that it was when I first applied, they refused to review the application, I think that is not fair to people.
I took loan out with tower loan financial in XXXX they sent me check in mail. and I paid on this loan for almost year the first loan the amount was XXXX XXXX I had paid back. I had paid them paid down to XXXX XXXX then they called me in XXXX of XXXX ask me did I want more money this was the manger I said yes I took XXXX XXXX dollar loan out second time. he would not tell me how much I would pay back he just told me how much payment was it was XXXX dollars month. when I called back the next day he was already fired. I have pay XXXX back I paid on this loan until XX/XX/XXXX I started having trouble paying my bills am in hard ship right now am on buget plan I  single I have lost my mom and dad I no body halp me with bills. I have told them this in XXXX and XXXX to drop the payment down so I could pay XXXX dollars month. I talk to the new manger this she said no she said was going take me to court and get lien put on my house because I have it up for sale .they would not work with me no way. they call all hours of the day on my house phone and and on my cell phone and they have been to my house I told them I was not going to pay them I didn't have I would pay the balance off when I sold my house. but they are still calling what can I do they told me they where going to take my ssi and ssa check away from me.
On XXXX XXXX, 2019, I received a letter via email stating that I could call to make arrangements over time to pay my delinquent American Express card. No where stated in the letter that my card was not eligible for this arrangenent. When I called American Express to make payment arrangements, I was that I could not. They need to adhere to their words stated in the letter.
I scheduled a credit card payment through Bill Pay for the day it becomes due ( the day after the billing cycle ends ). The payment was applied to main balance without being applied towards the amount due. This is after Chase Credit Services allowed a Bill Request taking me over my credit limit even though my JPMorgan Chase accounts have been locked for more than 10 years against overdraft and over limit usage at my to resolve another problem at that time. 

Since, I have receive conflicting requests of the amount due where my account statement online has one amount and the robocall collectors state a much higher amount ( over {$100.00} difference ). I do have recordings of the robocalls and screenshots of my online statement. The robocalls have been 5 times per day whether answered or not in harassment which have also disturbed my necessary rest required for health reasons. 

I do have a letter from Chase Executive Services stating a bill can not be paid on the day it comes due and the bill must stand for 24 hours first. 

As a note in another issue, JPMorgan Chase has been making fraudulent accusations and committing defamation of character through credit reporting. I NEVER take direct action to take my credit card above its limit though I may come with {$1.00} of my limit at times. Any request to go over my limit is absolutely denied due to previous agreement. Yet when Chase Credit Services applies their bill, it takes my card over the limit ( acceptable and understood ) but Chase Credit Services report to the credit monitoring companies this is my action rather than their billing action. 

I have also directly requested the name of the legal responsible party for both JPMorgan Chase and Chase Credit Services to be named in lawsuit and, while he information has been repeatedly promised, it has not been forthcoming in the time they promise in order to delay the filing of legal complaint. 

Chase has also now created a situation where a bill paid directly through Chase on the actual due date is now applied a day or days later if weekend where they charge a late fee even though the bill was paid directly through the bank account to the card on the due date.
I had a mortgage with XXXX XXXX (account XXXX) that was foreclosed.  The mortgage had been passed to several other sources including XXXX XXXX XXXX (account XXXX).  The first delinquency prior to charge off was prior to XX/2011. But it has been passed around so many times that each company updates the date of last activity to when they got it.  These accounts are OUTSIDE FEDERAL OBSOLESCENCE. and need to be removed.  I have disputed them with the three credit bureaus and they have remained.
on XXXX I 've paid on time 100 % on the other they say am missing XXXX payment
XXXX XXXX XXXXXXXX XXXXCapital One XXXXFor more than XXXX years I have tried to verify the above mentioned accounts via certified letters and phone correspondence. 

According to my records, each account has been reported separately, and simultaneously, to the credit bureaus under both creditor names : Capital One and XXXX XXXX. 


My efforts to verify these accounts are complicated by the following facts : Capital One and XXXX appear to report these alleged debts using different account numbers. 
Alleged amounts owed on these accounts, have been in close proximation, but never exact. 
XXXX does not respond to my requests. It appears Capital One responds to inquiries for both companies. 
Capital One uses the last XXXX digits of the alleged account number in correspondence, yet credit reports reflect what appear to be beginning numbers. 
Despite the fact that I sent a copy of my SS card and driver 's license with my inquires to Capital One, their company responded with asking me to verify my own information. 
Despite the fact I stated I had no knowledge or records of the accounts in my request for verification letters, and that I suspected fraud, Capital One responded asking me to provide them with the account numbers. 
XXXX ( Case # XXXX ), ( XXXX - Case # XXXX ) and XXXX ( File # XXXX ) claim to have verified these accounts - but have never provided me with proof. 
I have never been sent collection letters from XXXX or Capital One. 

I highly suspect the above mentioned accounts, are accounts Capital One previously removed from my credit reports, and are now reporting the same again. 

It does appear the XXXX XXXX XXXX accounts did not belong to me. I filed a Chapter XXXX 100 % creditor payout in XXXX of 2012. Through this process, a hearing was held on multiple creditor claims. This hearing assisted with confirming numerous accounts were fraudulent or unverifiable. Without ordering an expensive transcript of the hearing, I can not share if these accounts were fraudulent or unverifiable. 

It should be noted, Capital One nor XXXX attempted to place a claim during the bankruptcy process. Please find attached a claim summary prepared by the Chapter XXXX trustee. 

Only XXXX response letter, from Capital One, claims XXXX XXXX XXXX was sold to another company, XXXX XXXX XXXX . 

Yet it was XXXX XXXX who placed, and was denied a claim, during the bankruptcy process for this account. 

Regardless, all XXXX accounts remain on my credit report, and I remain confident they do not belong to me. 

Please seek proper documentation on each account under FCRA and FDCP rules for collection and reporting. 

Please seek immediate removal of each account if the creditors can not provide said verification.