WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX separate Wells Fargo Banks in XXXX, Texas refused to cash a check written on a Wells Fargo account and I have an account at Wells Fargo since 1996. The XXXX at Wells Fargo Bank located at XXXX refused to cash this check from XXXX, XXXX which was written from their WF account to me and I have a history of depositing and cashing those checks. I also had available funds in my XXXX account to cover said check. I strongly feel this is fraudulent on the bank 's part. The XXXX stated that he could not verify the funds but I know for a fact that the check had already posted as " verified '' from XXXX because the accounts payable department does that automatically when the check is written and I spoke directly to that department when the XXXX stated no one could verify the funds. The XXXX stated my only option was to deposit the check and wait for the funds to be verified.
On XXXX XXXX, 2015 I submitted a email to Experian at email address XXXXXXXXXXXX requesting that these services be cancelled. Due to I only wanted to complete the trial period. In reviewing my checking account information and I noticed that on XXXX XXXX, 2015 and XXXX XXXX, 2015, I was billed for monthly services after I followed their procedures on how to cancel their membership. along with submitting the cancellation request 2 weeks prior. I reached out the Experian and escalated this matter. I was advised that my funds would be credited back to my account on the next billing cycle. On XXXX/XXXX/2015, my account was credited then the amount was taken out of my checking account again on the same day. I brought this issue to the attention on the Experian support team, and I was advised that they were n't able to find my account information. In which I advised Experian that the statement was complete false due to the money was credited to my account then withdrawn again.
In XXXX I submitted a payment to go through on XXXX to fully repay my loans of over {$250000.00}. The same day I contacted customer service to make sure the payment would go through from a XXXX investment account. I was contacted on XXXX that they payment would not go through and had to come from a bank account and I had to transfer the funds from XXXX into my bank account. On XXXX the day the payment was scheduled to go through it did not. On XX/XX/XXXX we transferred the funds from XXXX into our bank account and scheduled another payment in full to Navient. On XX/XX/XXXX the original payment went through and the second payment in full was listed as pending. We called Navient to put a stop on the second payment ( customer service was closed ), I wrote an email and my husband  contacted his bank to put a stop on the payment which they said they would do. On Monday XX/XX/XXXX the payment was still listed as pending but we were assured from the bank that the second payment would not go through. On Tuesday XX/XX/XXXX I checked my account and it said both payments were fully processed - an overpayment it {$250000.00}. I called Navient to understand why the stop never happened on either side and all they told me is that it would take 10 days to fully process the transaction which they will and another 3 weeks to get the money back. This is outrageous and fraudulent behavior - absolutely criminal. 

The company misled me to believe that it was not possible to pay from my XXXX account and then proceeded to not only charge this account but then process an overpayment of over {$250000.00} when I cancelled the payment both from the bank and on their site.
PRA did not adhere to the fair credit reporting act and the fdcpa. t pra did not stop collections when i disputed the account within 30 days of communication. They also placed the account on my credit shortly after. I asked for a complete history of the account. They only provided 3 months, this was incorrect so i asked for the complete payment history because they are collecting on the entire account not 3 months of it. This company is a fraud to the consumers. they pay pennies on the dollar and use slippery practices to bypass the law. They are a disgrace. this should have not been on my credit report at all.
Hello, I believe I was discriminated against when I got my truck loan from ally financial bank from XXXX XXXX in XXXX TX. The reason for this I offered a loan at 15 % interest rate from ally but ideas offered much lower rate from different creditors at same time for similar trucks. I accepted the deal but paid more in interest which is illegal.
In XXXX, XXXX I received an email thanking me for a recent purchase from my XXXX XXXX credit card. I immediately contacted XXXX XXXX and filed a fraud complaint. I live in MA and the purchase was made in XXXX for a camera ... .clearly not mine. In XXXX, XXXX XXXX XXXX deemed it fraud and canceled my XXXX XXXX credit card and issued me a new XXXX. I received the letter from them as well stating the investigation was closed and the charges were removed etc. I did n't hear anything again, until last week. A man named XXXX called me from a cell number after XXXX. I was shocked as he informed me he was collecting a debt on behalf of XXXX XXXX. I proceeded to explain to this man what happened and he said basically, it does n't matter what your telling me, unless you have a POLICE REPORT, I will continue to call you until I collect this debt etc. He was RUDE, RUDE, RUDE, my blood was boiling! I told him I had a letter from them, he said the letter means nothing, get a police report. He stated they had been sending collection bills to me to which I said, " XXXX if I had gotten a collection letter on this, I would 've called immediately, this is NOT MY DEBT, it was fraud. '' He then asked my XXXX XXXX and I told him, bad mistake ... guess what I got yesterday? A collection letter. I have spent the last week and today on the phone with XXXXbank who owns the XXXX XXXX credit card. They have no idea how or why any collections would or could happen as this was NEVER sent to any collection company. They sent the letter stating I was not responsible and advised me to contact you. I am afraid to send any information to this company collection ... ... I am afraid who they are and how they got ANY information and the man was harrassing threatening and rude. I should n't be treated like that.
I ordered a XXXX Internet service, but XXXX did not get the service setup - indeed I have attached a voicemail message from a XXXX representative where he states that the service was not setup, however XXXX proceeded to bill me for the service that never was setup and never provided. I have several times reported this both to XXXX and to the debt collector that XXXX gave this over to - all to no avail as they just say their records show I received the service. The fact is they could not setup and provide the connection to my home and acknowledged this in the attached voice message left on my phone answering machine ; however, XXXX continued to bill me for what never got installed. I sought internet service and they threw in a phone line as a special addon offer, but I never received any of these. Indeed, after a year of disputing and getting their acknowledgement that they in fact never sent me the box with their modem that was part of the original order, they then, one year later without my knowledge, sent the the useless box with modem that could not be used because they had never completed the line setup to my house and the service obviously was not setup even then. For many years I have tried to straighten this out but my credit has been lowered due to their false claim on my credit showing " XXXX XXXX XXXX '' for " XXXX '' as a bad, unpaid debt on Experian, XXXX and XXXX  all to my damage. Even with my proof ( see voicemail from their rep attached ) it never was installed, they insist their records say otherwise. These arrogant companies deserve to be fined severely and pay for the damages they cause!
In 2008 we left XXXX and retired to XXXX. Therefore, we closed out our Wells Fargo deposit box. We took all the contents with us in our move. We naturally expected that since we closed our box we would no longer be charged for it. However, we have found over the succeeding eight years that we have been charged for this closed deposit box. We have sent many email and phoned numerous times over the years but have were told it would be taken care of. It never was. We continued to be charged for a box we no longer had.
I have sent cease and desist letters to the loans and they continue to harass my family, friends and myself. I receive SS and have no assets.
Im a victim of fraudulent scam someone deposited fraudulent checks into my checking account I met this person online the person told me that he is involved with a charity program doing charity work for the XXXX and under privilege people he told me the program involves with the XXXX XXXX XXXX and the XXXX and I could register to get involved with the program and it will be like a part time job where I will be payed by doing charity work for the program everything sounded legit so I did the registration he said he needed my banking account information in order to deposit their money for me to purchase Items like XXXX gift cards so I gave him my account number and he deposited the first check in the amount of XXXX dollars so I purchased the gift cards worth the value of the money and tell hem each number from the back of each card for him to send to the XXXX in the meanwhile I though everything was legit then he deposited another check in the amount of XXXX dollars and asked me to purchase more gift cards worth the value of the money and let him know the numbers on the back of the cards which I did on the XX/XX/19 I tried to access my checking account and was unable to do so then I contact my Bank which is Td bank to asked why I cant accessed my account then they told me my account is overdraft by XXXX XXXX dollars and I need to come in and speak to customers service which I did on the same day I told them what had but I did not know the checks was fraudulent they told me to make a police report so I went to the XXXX precinct in XXXX XXXX where I live to make the report then I had an appointment to speak with the detective at the precinct which he asked me to asked the bank for a copy of the checks and all the gifts cards for him to make copies for the investigation which I did he gave me the police report to take back to the bank which I did the bank made me do an affidavit stating I didnt endorse the checks and I was allowed to open a new checking account. I got a letter from Td bank dated XX/XX/19 stating my account is overdrawn and I need to remit the amount at my local td bank Store after I submitted a police report and did a sworn affidavit they still asking me to pay off the debit even though Im the victim of fraudulent scam my salary went into the account when I asked them for my salary they didnt give it to me honestly I didnt know that I was being scammed I though the program was legit else I would not have given out my banking information and Im so hurt about the whole situation cant even get over it.
After reviewing my credit report, I contacted XXXX, Equifax and XXXX regarding XXXX reporting inaccurate information on my credit report. According to my recollection, it 's been more than 7 years since the account was paid. I requested all XXXX credit bureaus investigate the account and remove the outdated account. After XXXX, Equifax and XXXX refused to remove the accounts, claiming they have verified, I contacted XXXX on XXXX/XXXX/XXXX to request verification and documentation on the account. XXXX responded XXXX/XXXX/XXXX by simply stating the account was verified but did not provide me any of the account information that I requested. On XXXX/XXXX/XXXX, I contacted XXXX, Equifax and XXXX requesting a 3rd time that they properly investigate and verify the information on the account due to XXXX not being able to provide me with any information on the account or any records. XXXX/XXXX/XXXX the credit bureau responded the account was verified and did not provide me with their method of investigation as I requested.
XXXX IS THREATENING LAW SUIT TO COLLECT ON A DEBT I DO NOT OWE TO XXXX XXXX BANK IN THE AMOUNT {$2400.00}. THEY SENT NOTICE CERTIFIED MAIL WHICH WAS HANDED TO MY MINOR SON AGE XXXX XXXX XXXX, I 'VE ASKED XXXX XXXX BANK TO SEND VALIDATION OF DEBT WHICH WAS NOT RECEIVED YET THIS HAS BEEN ON GOING NOW FOR TWO YEARS WITH THIS SAID COMPANY.
To Whom It May Concern : I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account with Account Number XXXX. I am not responsible for any charges made to this account. 

Enclosed are copies of of my police report ID numbers from XXXX XXXX Police Department supporting my position. I've tried disputing with XXXX, XXXX, and XXXX. The credo bureaus remove it, however XXXX XXXX XXXX continues to report this fraudulent account unto my report.Therefore, I was advised from a staff member at XXXX to deal with the creditors individually to prevent further confusion. Please have them close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account. 

I've requested for XXXX XXXX to also send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me. Up to this point, I've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ). 

In addition to support my case, please review the past complaints I've submitted with the bureaus. They continue to say the account is mine but it does not belong to me. They have also not conformed with the Fair Credit Reporting Act. CFPB please review complaint ID numbers : XXXX XXXX CFPB Complaint : XXXX Credit Bureaus Complaint ID : 1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX Thank you for your assistance.
I was approved for a Bank of America XXXX credit card, with a sign-up bonus of XXXX miles after spending {$1000.00} within 90 days. I have spent well over the required amount, and my monthly statement has closed. However Bank of America has failed to credit my account with the approximately XXXX points I 'm due. I have specific travel plans, and this arbitrary withholding of my points is directly affecting my travel itinerary. These points need to applied to my account immediately, thank you.
I have been charged excessive charges on my account!! 
Called and complained and lady said would check into in, came back and said that there was nothing she could do & hung up. 
Called sever more time & got the same results. 
They are ripping people off, especially senior citizens!! 
Dont bank with these people ever!!
I was approved for loans through navy federal credit union. With active loans in good standings I tried to add funds or make a new loan. To consolidate my debt into one with a lesser monthly payment. Of coarse the problems come and I was denied the loan. Stating that I can not apply for another loan for six months. Being a member here for over 20 years there should be some kind of co operation between myself at the credit union. I would like to get a new loan to pay off all debt and only have one loan payment to make.
Wrongful foreclosure. Violation of CA bill of rights. Violation of California Civil Code 2923.55 ( b ) ( 2 ) and 2923.55 ( c ) and other mortgage laws by Select Portfolio Servicing ( SPS ) acting as servicer for XXXX XXXX XXXX XXXX, as trustee on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Home Equity Pass Through Certificates, XXXX XXXX. False CA. Declaration under penalty of perjury on California Declaration Of Compliance dated XX/XX/XXXX included with Notice Of Default by XXXX XXXX XXXX XXXX. On XXXX/XXXX/XXXX contact was made with me on my cell phone be a representative of SPS regarding delinquency in payments. I advised her that I and co borrower sopuse had a significantchange of circumstance as my husband, XXXX XXXX, the co borrower, was diagnosed with XXXX XXXX on XXXX/XXXX/XXXX after being ill but undiagnosed for one year. I advised her that our business income had significantly dropped. I advised her that our mortgage interest rate of 8.625 % was still too high and we needed a modification review. The representative falsely and unlawfully advised me that a review for modification was " NOT AN OPTION '' because we had just received a modification XX/XX/XXXX. It was not until I received a free consultation with an attorney that I learned that if there is a change of circumstance, the mortgage company/servicer/bank Must by Law review the loan for possible modification. 
Select Portfolio Servicing and XXXX XXXX XXXX in direct violation of California Civil Code 2923.55 ( b ) ( 2 ) and 2923.55 ( c ). a Sale Date is scheduled for XX/XX/XXXX assigned by XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX CA XXXX I am requesting a postponement of the sale date. A Notice of Error has been sent to Select Portfolio Servicing via overnight mail.
Since the closing of my business, in 2009, which created for me much financial difficulty, I have been granted 2 separate loan modifications. First with XXXX which during this time became Ocwen. My first complaint would be the prolonging of the application process. The first took several months of a trial period payment which I paid on time each month but undenounced to me was reported as being 30 days late each month, making my once XXXX credit score to substantially lower, even though they assured me my credit would not be affected. In addition, before the first modification was granted my principal balance was {$150000.00}. and now after the second {$280000.00}. Understanding that I did not pay my mortgage periodically and that would of course be added in, and not being able to afford legal counsel, I never got straight answers or supplied factual documentation to answer my questions of how the figures added up, and then time would run out and I felt forced to sign or my house would be taken. I understand I am still in my house and I am grateful but I am upside down on my house and my credit is now damaged. After paying on my house for 15 years, I owe almost double of what I financed it for! How is this even legal, never mind fair! How is that helping??
I went to send bitcoin  into the wallet that their platform generated. Through a bug in their system, an incorrect address was generated and my funds were sent to an account that, while they still have access to, they refused to fix.
I applied and received a Chase Bank cobranded credit card with XXXX. I registered it online with my account at Chase, in the same manner in which I registered my other Chase credit cards. As part of the registration, I set it up for automatic payment. The Chase system gave me the option, through a drop-down menu, to use the information already in their system to deduct the payment from my checking account at another institution. Apparently, the Chase system did not populate the existing information correctly for the Fairmont credit card. When it came time to process the payment, the transaction failed. This was all due to an error in the Chase system. 

As a result, Chase charge me interest for the late payment and is likely not to give me the promotional benefit which enticed me to open the account. It is also likely that they will report me to a consumer reporting agency for having a late payment. 

I talked to an individual at Chase by the name of XXXX XXXX. He was completely ill prepared to address my issue and was unable to resolve the problem.
My father purchased a car for me in XX/XX/XXXX. I did not cosign for the car. The car never once was reported on my credit report until XX/XX/XXXX when my parents filed for Bankruptcy. The car was repossessed and I am assuming that since my parents did not include the car in their BK filing, that XXXX XXXX had to hold someone liable for the car, which was me. Why did they take 10 years to report this car on my credit report AND they report it as a delinquent account. What happened to ALL of the on time payments made for years? Why was that ever reported on my credit report, since they deemed me liable? But NOW, I am liable, so they decide to place it on my report as a delinquent collection account. Not right. Not fair. I was JUST in the process of buying a home and then this account came up and put a long pause on me buying a home.
On XX/XX/2018 I contacted Navient to explain that my current IDR loan repayment plan was based on incorrect assumptions about my income pulled from my joint tax return from the previous year. I was told to redo my application and submit documentation of my actual situation. I was told that my account would be placed in forbearance for 3 months while this was processed while this was processed. On XX/XX/XXXX, I completed my income-driven repayment plan application and submitted it with supporting documentation directly to Navient. On XX/XX/XXXX, I received an email from Navient stating that my interest had been capitalized and my new repayment amount at the end of forebearance would be greater than my previous amount. My complaint is that I was not given the option to continue to pay a specific amount to cover interest and not have it capitalize and accrue - which according to the email now equates to an additional almost {$1000.00} just for this forbearance period. It would seem like the best practice would be to ask the borrower if they would like to pay the interest and not have it accrue and capitalize and add to the principal by such astronomical amounts, just because their formula did not accurately pick up my current income situation.Forbearance sounds like a helpful term, but in this case it only helped the loan servicer, not the borrower.
XXXX XXXX has sold my debt, or has hired, Direct Recovery Services. This collection company has been contacting one of my co-workers at my place of employment. I am not sure how they got his contact information. They are the type that call from different phone numbers. Today I called them back on the number that they left on my co-workers ' voice mail : XXXX XXXX XXXX XXXX. I told them that they were contacting a third party about this debt and requested that they remove his phone number from their system and also asked them to stop contacting me at work. The other number that they have left on my co-workers voicemail before is XXXX XXXX XXXX XXXX.
This is a well known issue. H  undreds if not thousands of people were affected by the Paypal hack.
Long story short, I bought gift cards from ebay via Paypa   XXXX  digital gifts. I tried to use the gift card a few months later and the value was  XXXX . I contact ed paypal  and after months and months of fighting they finally refunded " MY ORIGINAL PAYMENT '' which was an  XXXX  gift card, voucher and coupon. HOWEVER, no one can find out how to re use the original form of payment.  XXXX  is unable to locate those gift cards and vouchers. They say that after the split from paypal they messed up their servers and can not find any old gift card numbers.     The consumer WAS NOT MADE WHOLE AGAIN b y paypal  even though they denied everything and now are refunding slowly. I still lost my entire gift card value because I am unable to re use the original form of payment.  XXXX  needs to re issue those gift cards, or paypal needs to refund the entire amount directly to us.     I have all the transaction # 's, dates, and forms of payments available upon request.     This is a huge issue and it should actually become a class action law suit.