WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX 2016, about a month ago, a friend of mine and I went to an estate sale. We purchased a file folder case that contained some miscellaneous papers and also had some XXXX money in it. We took the money to Wells Fargo to see if it had any value. They looked it up and said, " This ca n't be right, can you come back tomorrow with the money when we can verify for sure that it is correct ''. 

So we brought the XXXX bills in the following morning and met with the bank manager and two ( 2 ) other bank employees. After consulting with others on the phone and amongst themselves, they came back and informed me that the money was real and had a value of {$9200.00}. I asked them to please double check and make sure that it was indeed that valuable. I explained to them that I did not want to find out later that it was a mistake. They informed me that they had indeed double checked and actually had triple checked that the money was real and had value. They deposited the amount to my account on XXXX XXXX, 2016. 

Now after three and a half weeks Wells Fargo contacted me this and told me that the XXXX money I gave them have been taken out of circulation. They now are demanding that the money be returned to them. 

In no way did I misrepresent the acquisition of the money or its value. I did not fraudulently represent anything about this situation. Wells Fargo is a very large bank that has branches all over the world. Wells Fargo is the self proclaimed money experts, so who better to take the money to. Even before I went in to the bank, I contacted them by phone to verify that they did currency exchanges, which they did. On XXXX XXXX, 2016, Wells Fargo took out the {$9200.00} from my account leaving my account overdrawn by {$1000.00}. I got a call today from Wells Fargo asking me to pay the overdrawn amount today. They already took every XXXX in my account and now they want me to pay more to cover their own mistake. We have made decisions of how to spend this money based on it being ours. We put money towards the escrow for a land we 're hoping to buy. And because of Wells Fargo 's wrong doing we may lose the escrow money and the land. 

I do n't get the privilege of going back and undoing all my mistakes. Do I have to let them?
I was never notified from NCC business services about this debt being transferred to them for collection. According to the fair collection act law, as the supposed debtor I am required by law to be notified of such action by written 30 day notice.The original debt is from XXXX at XXXX which I gave my forwarding address to. I made arrangements with their property management company to make payments on this debt. The management company name is XXXX XXXX. I have made two payments to this company via my checking account. I was paying as agreed, one payment on XX/XX/XXXX for {$120.00} on line and another {$50.00} payment via Mail with check # XXXX, XXXX XXXX  dated XX/XX/XXXX which had not been deposited until XX/XX/XXXX for payment. However it is stated on my credit report that last payment received was XX/XX/XXXX this date is inaccurate as well. I have made several attempts to contact the original debtor concerning this matter and have left several messages with no response. Also I have disputed this item with all 3 credit bureau agencies, XXXX, XXXX and XXXX XXXX.
I was on the verge of defaulting on a student loan through XXXX XXXX when I was finally able to make a reasonable payment plan. My loan was transfered to Navient which is apparently a sister of XXXX XXXX. The verbal terms of the agreement were XXXX $ a month with a .01 % interest rate as the original interest rate on the loan was 8.5 % and 10 %. I have been paying down the loan for 2 years as of XXXX XXXX and the loan balance has not decreased. I contacted them in XXXX XXXX to ask why my balance had not decreased at all and they informed me that it was a computer glitch that did n't make all of the loans .01 % it only applied that to the smallest loan. So the rest of m loans were still collecting 8.5-10 % interest rate on XXXX $ of the the balance. I have called and spoke to multiple people and they continue to say " they are working on it '' I had one Navient " Manager '' state that I needed a court order to access my billing and payment history.
The collection agency reported several collection accounts on my credit report without providing any notices of verification of debts all in violation of the FDCPA and FCRA.
A third party debt collection agency,  Cavalry   XXXX   XXXX   XXXX   XXXX , NY, is suing me for {$6800.00} which they purchased from  XXXX . The last payment I made was over 6 years ago, past the statute of limitations. I am  XXXX  and my net worth is less than {$75000.00} and I understand that they can not collect from me according to Wisconsin law. I do n't think that this should even go to court and I do not deal well with this kind of hassle in my life.  <P/> Th e Law firm  they are using is :  XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  #  XXXX ,  XXXX , WI  XXXX  Thank you.
After several intimidating calls from D & A Services to collect a debt for XXXX XXXX XXXX, I made a payment in ignorance to them on XX/XX/XXXX in the amount of {$100.00}. After I called XXXX XXXX XXXX to inquire about the account, I was told it was discharged and closed. Therefore D & A Services falsely impersonate themselves to collect this debt for XXXX XXXX XXXXXXXX. I requested D & A Services to provide me a legal binding signed  agreement between them and XXXX XXXX XXXX to collect this debt for them. They sent me copies of old statements. I sent a certified letter on XX/XX/XXXX asking them not to withdraw from my bank account until they are able to verify their legal binding to collect the said debt. They were not able to provide me with this information. On XX/XX/XXXX they withdrew the amount of {$270.00} from my bank account without my consent and still have not furnished the information requested. I called and requested a refund of ever dime they ever took from my bank account.
I am a retired XXXX employee, and I get my check on the XXXX of each Except if the XXXX falls on a weekend, then I get paid on the following Monday. I have XXXX friends who have accounts at XXXX XXXX and XXXX who get their checks on the XXXX regardless of the date. I bank at TCF. My bank then assess Over draft fees to my account, as I have automatic payments that come out on the XXXX I would like to know why this happens.
A client of mine sent funds in US dollars - {$510.00} - from a XXXX account in the XXXX, via Skrill, on XXXX XXXX. When I try to transfer the US $ funds into my US $ account, I get the message, " USD bank wire transfer requests will be executed in EUR. If your request is in USD, by continuing this transaction you agree that we will apply an FX charge. Please check with your bank for additional costs if your account is not denominated in EUR. '' Skrill itself acknowledges that this fee is incorrect, as my client already paid the FX fee from XXXX to Dollars. My client and I have called and emailed Skrill to get this problem corrected, and we have even asked that Skrill return the funds to my client so they can wire me the money through other means, BUT SKRILL HAS NOT ADDRESSED THE PROBLEM AFTER 3 WEEKS FROM MY INITIAL COMPLAINT.
Issues needing to be addressed  3 in  tota l 1. )  Deposited check {$2400.00}    XXXX   XXXX    ,2016 cl eared    XXXX   XXXX    ,2016 2  . )   Deposit  {$240.00}   XXXX   XXXX   ,2016 cle ared    XXXX   XXXX    , 2016 3  . ) Ordere d checks {$30.00}   XXXX   XXXX   ,2016 sorr y to bother and inconvenance you with my persanal issues this is the first time ever filing a complaint about a bank espcialy  XXXX  different banks at one time but ive been fighting this issue for way to long by myself with no sign of an end and the longer it goes on the more i feel like they are going to keep my money i live and breath air just like everyone that reads this message and to have this done to me hurts my kids and myself way of life I contacted each bank and addressed the issue in detail with the bank involved in each matter accordingly with respect to custemer service and there accting supervisor of the day ( BANKS INVOLVED  ) 1.  )   XXXX   XXXX    2.  )  XXXX   XXXX   3. )      XXXX   XXXX   XXXX   i recived a check from   XXXX   XXXX   XXXX   in care of  XXXX   XXXX   class action lawsuite for  over charging on overdraft fees to there account holders business and personal my relation was personal. needless to say we won meaning it was true thay were infact doing some things that were not at the best intrest of us i wanted to open a small business account for a while and have one with  XXXX  but there not a true bank like   XXXX   XXXX   or   XXXX   XXXX   XXXX   nor like  XXXX  ect.   i recived numerious mailings and emails  for Capital One   XXXX   XXXX   so  i used my check from the lawsuite to make my  opening/first Deposit pl us check for services rendere d .i waite d the time the bank required to access available funds then ordered card and checkbook waited for card & checkbook recived checks then went to purchase something with card and account was locked/closed after countless hours days weeks months to get ahold of the correct person or whomever that could tell me who what where when why i finally talked to a person can they send me a check for the remaining ballance she said no they reversed the deposits and i have to get the oreginator to rewrite me another check then informed me only one could be reversed and that bank has to file a report wait for report to be filed then wait for reissuence of check she said go to   XXXX   XXXX   so i went to   XXXX   XXXX   they couldent find it then   XXXX   XXXX   said go to   XXXX   XXXX   XXXX   went to    XXXX   XXXX   XXXX   they couldent find it called back to capital one and said each of the other banks said c capital one is supos ed to write a check for remander ballance then capi tal one tol d me give the other banks for them to file a report and whats realy mean and rude and childish i can still sign in to my ca pital one acc ount look at my ballance update my profile info access account info card still shows locked if i try to check ballance at atm with a positeve ballance and they still send my pre qulifed credit cards for myself and my business as to laugh in my face well i think im owed my money plus intrest that is being gained for being in there possion for so long without me touching it
Hi, This is in regards to inquiries made on my account. I recently accessed my credit report and found inquiries on there that I did not request or authorize, These inquiries are hurting my credit score and I would like to have them removed from my account. I contacted XXXX and Equifax, however, they said they are unable to help me in this regards. I tried getting in touch with the vendors who did the inquiry on my account and they were unable to assist me or provide proof of me requesting credit and they were unable to provide any details. 

Here are the inquiries made to my account that I wish to have removed : 1 ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2 ) XXXX Inquiry from XX/XX/XXXX 3 ) XXXX/XXXX Inquiry from XX/XX/XXXX 4 ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX 5 ) XXXX/XXXX Inquiry from XX/XX/XXXX Please remove these unauthorized inquiries from my report. 

Best Regards
Lowes consumer credit card website routinely attempts to make consumer credit card statement payments " minimal amount '' or defaults payment dates to the last day prior to becoming delinquent in an attempt to increase revenues from late payments and interest. Multiple times I have selected the " pay current balance '' button on their bill pay site only to have the next page " confirmation page '' select the " minimum payment '' amount. I believe this is intentional and an attempt to increase revenue from interest.
There is an inquiry from XXXX which appears on my report that is not mine. I disputed the inquiry and received a letter saying they can not remove the incorrect information as they must list all companies who received your credit report. However, the companies must have a lawful reason XXXX permissible purpose ) for doing so. This inquiry was not authorized and should be removed.
Creditor Information XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX This debt collector its appearing on my credit report I don't understand why.
I purchased a {$100.00} gift card from Visa in  XXXX  of  2016 . In  XXXX  of  2016  I return some products to  XXXX  and used this card. This made the balance of credit on the card to {$130.00}. Now I 'm unable to use the card. After talking to  Visa  they said the card was not valid now because the card was only for {$100.00} and now shows credit of {$130.00}. They said the only way I can activate or use the card if I send them a receipt of my return to  XXXX . I do not have this receipt. So there is no way I can get my {$130.00} from Visa.
I have been working with a company called XXXX. I 'm able to get payday loans but my bank have to send them updates of my account. My bank is Chase Bank and they do n't send the updates to XXXX in a timely manner. It slows the process of me getting my loans and I need the loans to pay bills on time. Today is XX/XX/2017 and I needed to pay a bill today before XXXX and I missed my time frame. Because XXXX still has n't received an update. Please help!
I had a mortgage loan that was foreclosed on in 2012. There were two loans issued by the same bank when they foreclosed they were supposed to satisfy the debt owed on both loans. They are still reporting the second loan as delinquent and with a balance due even though it is illegal under California laws. The loan was issued by XXXX XXXX XXXX.
In XX/XX/2018 I disputed an inaccurate item with TRANUNION Credit reporting company. TRANSUNION did the investigation and replied back as the account was verified. In XX/XX/XXXX I disputed the inaccurate account WITH TRANSUNION AGAIN THE ACCOUNT which is XXXX XXXX # XXXX and they replied back as verified again in XX/XX/XXXX On XX/XX/XXXX I sent in another certified letter to TRANSUNION I have copies of the mail receipt that I sent the letter certified to TRANSUNION,, The letter was METHOD OF VERFICATION. I ASKED TRANSUNION TO SEND ME THERE METHOD OF VERFICATION SO THAT I CAN SEE WHO AND HOW THEY VERFIED THE ALLEGED ACCOUNT, ,BY LAW AND PER FCRA I AM ENTITLED TO SEE THE METHOD OF VERFICATION AND HOW THE VERFICATION PROCESS WAS PROCESSED. ON XX/XX/2018 TRANSUNION COMPLETED THERE INVESTIGATION AND FAILED TO SEND ME THERE METHOD OF VERFICATION,,, HOW ARE THEY verifying THESE ACCOUNTs with the creditors and me as the consumer cant get the copies and or information on there method of verification,,, TRANSUNION has violated the law, has violated my rights as a consumer ... On XX/XX/XXXX all TRANSUNION sent me by mail was the account was modified,,, I asked for the METHOD OF VERFICATION WHICH I AM ENTITLED TO. I HAVE COPIES OF THE LETTER THAT I SENT CERTIFIED TO TRANSUNION ON XX/XX/2018 THEY RECEVIED MY LETTER ON XX/XX/2018 AND HOW IS IT THAT TRANSUNION CANT AND DIDNT SEND ME THERE METHOD OF VERFICATION,,, I AM GOING TO FILE A SMALL CLAINS FOR THE NON COMPLIANCE,,,, OR DELETE THE INACURATE ACCOUNT OFF MY FILE. TRANUNION IS NOT FOLLOWING THE FCRA RULES,,, YOU FAILED TO SEND ME THE METHOD OF VERFICATION WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT 611 ( A ) ( 7 ) MY LAST AND NEXT STEP IS SMALL CLAIMS FOR VOILATIONS AND NON COMPLIANCE OR DELETE THE INACCURATE ITEM OFF MY CREDIT FILE
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX-dismissed Reference XXXX ( Experian, XXXX, XXXX ), Bankruptcy chapter XXXX-dismissed Reference XXXX ( XXXX, Experian, XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ( Experian, XXXX ), XXXX XXXX XXXX Acct XXXX ( Experian, XXXX   ), XXXX XXXX XXXX Acct XXXX ( Experian, XXXX, XXXX ), XXXX XXXX Acct XXXX ( Experian ), XXXX XXXX XXXX  Acct XXXX ( Experian, XXXX ), XXXX XXXX Acct XXXX ( XXXX, XXXX, Experian ), XXXX XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX XXXX XXXX XXXX  Acct XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX ), XXXX   Acct XXXX ( XXXX ).
I have had a CitiAadvantage card for years with Citibank. On XXXX I was told the bank declined my card. They have made no attempt to contact me, and when I check my account online it still shows that it 's open, and current with no overdue balance. I have tried repeatedly to call Citicard customer service to find out why, but they say they can tell me nothing. After several tries to reach upper supervisors ( and being hung up on once ) I was told it was " a security issue '' and that the only way to get a response was to mail them a letter and wait for a response. If there are security issues with my account or credit, I need to know in real time. Apparently there is an " executive response unit '' from which this information is mailed, but there is no way to reach them except by snail mail. The company 's refusal to provide me any information is unacceptable, and puts both my financial security & credit at risk.
I took out a Payday installment loan in XX/XX/2018. Then I was planning to pay for it in full. The acquired loan was {$3300.00}. My daughter got sick and needs care multiple states away. I didnt realize until after I signed and my wife was like oh my gosh you just agreed to pay them over {$13000.00}. I challenged her and said no I didnt. It was then I didnt realize the entire thing and what I signed up for. Coming from the state of Georgia where PayDay loans are illegal. I read the loop hole that says only loans of {$3000.00} was government governing the interest rate to I believe 29.9 %. That made me realize why XXXX only gave a loan of XXXX us to put us in this never ending, taken advantage of, etc.. I the consumer knew after reading up that I finally realized they stuck me with a 350 % interest rate for 12 months paying over {$10000.00} in interest at almost {$1000.00} a month. It breaks my heart how people are getting taken advantage of from a Payday loan company hiding within that said company. Would them doing a means test save the unfortunate like me who tripped up on the company wording? Ive notified them repeatedly through email as of now that is my only form of communication. Their getting back to me is horrendous. They dont answer my email ever except for begging them to and then all I ever get if what can we do to help.I always respond to them and once again lack of, or no communication. I have every single email with that company. I filed a complaint to XXXX  and was sent an email from the XXXX  stating they didnt even answer their communication reach out. I never thought I was signing up for a {$3300.00} loan costing me over {$13000.00} in 12 months. I would never have ever. Thats almost my house payment each month.
I sent a dispute to Transunion XX/XX/2016. They received it on XXXX XXXX, and I 've yet to receive the results. The results were due back to me on XXXX XXXX and they did not arrive. Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) the credit reporting agency must delete the disputed information. Attached you will find the disputes in question, and the proof of delivery.
The number ( XXXX ) XXXX calls about 10 times per day. Does not leave a message and calls before XXXX and after XXXX. After further investigation it looks like LTD Financial Services is the owner of this number.
I logged into my online banking account with TD Bank where I have a checking and savings account. I noticed there was also a credit card account attached to my accounts which I did not apply for. I called TD Bank and reported the credit card account. They transferred me to the credit card company where I closed the account. They then transferred me to the fraud department where I reported it. I was told by the credit card company that when I was at the bank on XXXX XXXX, in person, I applied for the account. I reported that though I was at the bank on XXXX XXXX I did not, nor did I authorized anyone to apply for an account.
I had an old collections account with XXXX that I paid on XXXX XXXX, 2016. They sent a letter to the XXXX credit bureaus on XXXX, XXXX, 2016 stating the account was paid and changed the status to Paid Charge-Off. However they reported the same account on XXXX/XXXX/16 to XXXX and XXXX as a failure to pay. They are sent another letter on XXXX/XXXX/2016 to the credit bureaus stating the same as the XXXX/XXXX/16 letter but in neither do they reference the actual payoff date. I want them investigated for fraudently reporting data to the credit companies when the debt is paid off.
Nationstar is not acknowledging my appeal request even though it was faxed it prior to the due date and have decided to proceed with the auction of my home and not allowing me any options besides reinstating {$80000.00} which I currently do not have or short selling my home. They have denied me for all government programs due to my house being upside down in equity. It is not my fault the housing market it not what it used to be and I feel this is an unfair reason to deny me of options to save and keep my home. I was denied because they said they were unable to create an affordable payment. I can afford the payment not that my expenses have reduced so why ca n't they just allow me to make my payments?
This is in regards to XXXX original a count # XXXX in the amount of or close to {$29000.00} has more than exceeded the California time statue ( 6 ) years with no payments, activity and or dialogue in that same time ( 6 ) years, to legally collect this debt. I would like that the collection agency listed below, to contact XXXX and or other credit agencies to remove this negative mark from my credit report immediately and or issue to me on my behalf a document / letter in reference to that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO PERSUE LEGAL REMEDIES that pertains to the XXXX # XXXX in the amount of or close to $ XXXXXXXXNOVEA PORTFOLIO MANAGEMENT ( their a count # XXXX ) Address : XXXX, Florida. XXXXPhone : ( XXXX ) XXXX
called Great Lakes Servicer to ask if the loan was government or private but was told that the account was handed over to XXXX which is a collection agency and explained to Great Lakes that this is no longer a government loan but a private loan and was explained to me that they are working for Great Lakes Services to collect the debt. but according to my credit report will show that the account is up to date and paid on time. XXXX  back in XX/XX/XXXX and did a back ground check on the School which is XXXX College had shut its doors due to accreditation making students pay for loans knowing that the process that they used is waste fraud and abuse knowing that the classes that were taken could not be transferred to a regular college or university. Since this school has closed its doors no student should have to pay back this loan and therefor should be permanently discharged whether the student graduated back in XX/XX/XXXX or XX/XX/XXXX. This loan should not have been handed over to a collection agency knowing good and well the account was being paid up to date as noted on the consumer credit report which will be mailed to the Consumer Protection Financial Bureau as evidence. The consumer asks that the loan be completely discharged and reported to all three Credit Reporting Agencies as such due to school disclosure.
I sent a certified letter to the XXXX collection and requested proof of verification with my signature, what I received was a statement. I sent a certified letter to the creditor and they stated that the account was sold. Neither companies provided me with a copy of an application. Both companies are reporting inaccurate information on my credit report.