WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, XXXX Dear XXXX, I am writing in regards to my Personal Line of Credit, account number XXX-XXXXXX, and Joint Personal Checking account number XXXXXXXXXX. 

On XXXX XXXX, XXXX a recurring automatic payment was debited from my Joint Personal Checking account which was not being used for day-to-day transactions and thus had a low balance, causing it to overdraft {$300.00} from my Personal Line of Credit and charge a fee. Neither the joint account holder nor I authorized this charge and I therefore contested the automatic payment with the Wells Fargo Fraud department. 

Although I informed the bank that neither the joint account holder nor myself authorized the XXXX XXXX automatic payment or authorized future recurring payments, Wells Fargo permitted a second automatic payment to be debited from my Personal Checking account the following month. This again caused {$300.00} to overdraft from my Personal Line of Credit, and I was charged an additional fee in order for the payment to be funded from my Checking account. It was not until I asked Wells Fargo a second time to cancel the recurring payments indicating again that they were not authorized by the account holders, that Wells Fargo cancelled the future payments. 

Solely as a result of this activity and the fees, a negative balance accumulated in my checking account and inappropriate fees were added to my line of credit, which I have since paid off. After several months, this negative balance was reported to the credit bureaus. My attempts to dispute the activity with Wells Fargo, as well as all three major credit bureaus around XXXX XXXX were unsuccessful. 

I have spent dozens of hours on the phone with Wells Fargo Customer Service inquiring about the matter, yet Wells Fargo has been unable to verify how funds were allegedly authorized to be moved out of my account. To this day, Wells Fargo still can not verify how or by whom the recurring payments were authorized, or provide me with evidence of such. 

Wells Fargo Customer Service promised more than once to mail me documentation evidencing how and by whom the recurring automatic payments were authorized, as well as paper statements for my checking account since I closed it and can no longer access account activity online, yet I never received the requested items in the mail. 

To be clear, these transfers were never authorized and Wells Fargo had no right to attempt to pull payments from my inactive joint Checking Account. It would appear that Wells Fargo made these transfers with the sole purpose of generating fees in order to increase fee revenue and that Wells Fargo willfully ignored my repeated requests to cease these transfers. 

Since I have been unable to get resolution from Wells Fargo notwithstanding my numerous phone calls and inquiries I am filing a complaint. I would also like to dispute the XXXX counts of late payments in XXXX and XXXX XXXX against my Wells Fargo Line of Credit account that are unjustly negatively impacting my credit score. 

I look forward to your immediate response. 

Thank you.
Attempts to reduce a monthly payment are constantly rejected. I 've taken forebarrance a number of times due to unemployment and charges accrued. I 've earned an additional XXXX $ from just trying to hold off loans. The money accrued and now my XXXX XXXX is worth XXXX. XXXX $ was added to my existing loans just like that. Over course of repayment, I will have paid XXXX for this amount, plus additional money from my standard loan balance. I ca n't move on with my life if I keep paying this much. I ca n't afford to invest in a home, let alone a new car. 

Today I was double charged by Navient. I changed my banking information and was told that i need to make a manual payment so that the system verifies the account. I did so. I was affirmed that no auto pay ( scheduled prevously ) would be debited. Today the auto pay was debited and I did not authorize it. It sent my account in overdraft. I 've been paying these loans on time for about 2 years. 

I do not get information I need and it is difficult to constantly talk to poorly trained reps. I feel my money is mishandles and I am paying more than I should due to their collection practices and cloudy information I am given.
I requested a copy of my free credit report from Transunion in XX/XX/2018 and received my report with the envelope opened. Upon inspection of the envelope, I noticed that the letter was not sealed properly. This is first class mail, very personal, my entire financial history so casually returned to me unsecured. I was upset and wrote them a letter dated XX/XX/2018. No  creditable response as of yet and I, take my credit serious and feel that this company has failed us.
I WAS AT THE BANK ON OR ABOUT THE BEGINNING OF XXXX I WENT TO THE BANK TO OPEN A CHASE PRIVATE CLIENT ACCOUNT. I FOUND OUT FROM A BANKER THAT MY CREDIT CARD POINTS WERE REDEEMED FOR CASH. I WAS SURPRISED AND WANTED AN EXPLANATION. THEY TOLD ME THAT I CALLED IN AND I TOLD THEM TO REDEEM THEM. I NEVER TOLD ANYONE TO REDEEM ANY POINT NOR CAN YOU REDEEM POINTS OVER THE PHONE. YOU MUST GO OVER THE WEBSITE TO REDEEM ANY POINTS. AFTERWARDS I WENT ON TO MY ACCOUNT AND SAW THAT THE OTHER XXXX POINTS WERE GONE. I REQUESTED AN EXPLANATION AND I AM NOT GIVEN ANY PROOF THAT I CLAIMED MY POINTS NOR WAS THERE ANY EXPLANATION WHAT HAPPENED TO THE REST OF MY POINTS. THE POINTS ARE WORTH APPROXIMATELY {$10000.00}.
I recieved a notice of pending lien sale from XXXX XXXX XXXX for a car that i had almost a year ago. i sold that car and i am recieving this now in the month of XX/XX/2018 and then i recieved a call on XX/XX/2018 from Nationwide Debt Management Solutions an debt collector. When i wa son the phone the lady ( XXXX ) told me about what ahe was calling for and i told her that i had sold that car and that i didnt underatand what she was saying and she just threantened me to sue me and to take me to court if i didn't pay XXXX for the debt for that car. After i told her again i don't understand what do i have to do she hung up. Once my daugther got home she called and asked what they called and i got all the information we needed we urged ro the DMV and they told us that the car is not under my name and the lady at the DMV told me to ignore the calls and to tell them to leave us alone. They stopped calling for a week but they just called my daugther yesturday while being at work and my daugther repeated what the DMV told us and they keep saying if we had proof to send it to them ans my daugther told them that they need no proof from the DMV because the lady at the DMV had already told them they need no.proof of nothing to stop calling as well which they have not been doing. They called me again as well and left a voice message telling me that it is a short period of time that i have to call back if not i will run out of time. I Recieved a notice to intent to file suit and incur costs from Law Office of XXXX XXXX  that was retained by NWDMS, LLC. I recieved that letter on XX/XX/2018.
I just received a copy of my credit report from Equifax Credit Bureau. My report shows that they verified that I lived at XXXX XXXX XXXX XXXX NJ. This is correct. They also stated that they verified that I lived at XXXX XXXX XXXX XXXX, N. J. at the same time that I lived at my current address. This was impossible for them to do. They violated the law. No one at XXXX XXXX XXXX XXXX, N. J. stated that I lived there. Also they stated that my previous employer was XXXX XXXX XXXX this is incorrect I never worked this company and no one from this company ever stated that I worked for them. Also a XXXX debt that I disputed they stated that XXXX XXXX on XX/XX/XXXX that this debt was a charge off and XXXX loss the money that was owed on that debt. This was impossible for them to verify because XXXX sent me a XXXX in XX/XX/XXXX for me to claim this debt on my tax return. Again Equifax Credit Bureau has violated the law by putting erroneous information and not reporting the truth, on my credit report.
On XX/XX/XXXX I had a payment withdrawn in the amount of {$390.00} which over drafted my account. The payment was reversed and I was charged a fee of {$36.00} by PNCBank, I was also charged by a {$25.00} fee by XXXX because of the rejected payment. In my opinion I rarely overdraft my account, however, in the few times it has happened in the past PNC has always covered the transactions. <P/>I contacted PNC on XX/XX/XXXX to ask why the payment was rejected this time when they have always covered any similar transactions in the past. I was provided inconsistent and inaccurate information by the representative. The only thing consistent about the call was that I was provided a different answer each time I asked a question. As a side note the service was absolutely horrible! The agent muffled things under her breath about me like " oh man '' and then when I asked to speak with a supervisor, she told me she would connect me with her team lead and instead disconnected the call. I have now waited a full 24 hrs expecting a follow up call, but unfortunately have not received one. <P/>The agent advised me that no policy had changed and that PNC has never covered a check overdraft on my account. She even told me that even if the overdraft was less than {$50.00} that it would have been declined. I then provided dates of similar transactions that had not been rejected and her response was basically that it just depends. She would not provide any type of direct answer as to why this payment was rejected and I have no confidence that anything she told me was accurate. <P/>The main reason for my call was to know why the payment was rejected so that I know what would happen if a similar situation arose in the future. I still have no idea as to the answer. I did also ask for the fee to be reimbursed as a courtesy which did not happen. I feel {$36.00} as basically a processing fee to decline a payment is beyond excessive. This is especially true since because the payment was rejected and I was charged an additional {$25.00} by XXXX. <P/>PNC is obviously aware when someone is experiencing financial difficulty when they are overdrawn, instead of trying to assist, they charge excessive fees that makes it even more difficult for someone in an already difficult situation. <P/>I do plan on closing my account with PNC as a result of this recent experience, however, I still wanted to make the CFPB and PNCBank aware that if the agent I spoke with is the typical agent, then the call center has no idea how an over draft works, how to look up account history and how the current policy works. Additionally, I ask that they review the call from XX/XX/XXXX as the agent I spoke with at the very least needs some coaching on professionalism and customer service.
My complaint is against Capital One credit card services. Back in XX/XX/2017, I decided to apply for another credit card. Not realizing that my credit report was destroyed by Capital One. I assume before I head plaque for credit, that my credit was good. Knowing I have never been late with any of my payments to Capital One. That I also had no other credit card. I felt that I've been with Capital One for years and paid all my bills on time as promised. So never once, did I imagine that my credit report was no good. 

After some time has passed, I decided to apply for my annual free credit report. Just to see what was going on and what was causing my credit report not to be any good. I looked on the XXXX, XXXX, and XXXX. 

When reviewing my credit report, the only thing standing in my way, was Capital One reporting delinquency. However, the report is ready complicated and had a lot of conflicts in there. First, it says paid on time as a agree for the past 3 years without a problem. However, in is comments in there, Capital One stated I was delinquent with my payments. On one part, it says I'm delinquent. On the next part says, I pay on time. Very conflicting. How can Capital One say one thing, and on another part of the report says something else? 

Keep in mind I paid my credit card bill on time and have never been late in years. I only have one Capital One credit card. Which is called Capital One Journey.That I had all these years. I also do not receive a statement in the mail and have not received a statement in the mail for years as well. So if there was any problem I would not be aware of anything. Knowing I do not receive any statement. Then again how can there be a problem, if I pay on time and never went past the due date. 

However, I always went by the due date that Capital One said will always be my due date. For the as long as I own this credit card. I've been paying on time and have never missed one payment. That is good for a young person like me. 

If there was any problem with my account, I never once received any letter from Capital One. I never once received any calls from Capital One. I was never told my Capital One, that my payments are late or were never processed. 

So as far as I am concern, I was on time with my payments. I did everything right. So my credit report should reflect that.
I have recently started shopping around for an automobile loan. I gave 1 dealership - XXXX   XXXX XXXX XXXX of XXXX, FL - authorization to run my credit report on XX/XX/2018. I received an alert almost immediately that they did so. 

Today, XX/XX/18, I've received alerts for Hard Inquiries from the following business names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) I'm concerned that one or more of the dealerships I've communicated with has run my credit without my permission.
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. 
My name is : XXXX XXXX XXXX My SS is XXXX My phone : XXXX Please remove all other variations of my personal information. 

I WOULD LIKE TO HAVE THE FOLLOWING ADDRESSES REMOVED FROM MY CREDIT REPORT THEY ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
IN REGARDS TO : XXXX, ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I HAVE SENT A CERTIFIED LETTER BACK IN XX/XX/XXXX AND XX/XX/XXXX AND I HAVE NEVER RECEIVED A RESPONSE OF THE PROOF I ASKED FOR. THE AGENT THAT RECEIVED THE LETTERS HER NAME IS XXXX XXXX. THEY ARE REPORTING ME LATE WITH A MAXIMUM DELINQUENCY OF 120 DAYS FROM XX/XX/XXXX 90 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE AND XX/XX/XXXX 120 DAYS LATE. I HAVE NEVER BEEN LATE ON Y STUDENT LOAN DUE TO THE FACT THAT I HAVE ALWAYS HAD THE ACCOUNT IN FOREBEARANCE OR ON A DEFERRED PAYMENT. IN MY DETAILED LETTERS I REQUESTED FOR XXXX  WHO IS REPORTING ME LATE MULTIPLE TIMES TO THE CREDIT BUREAUS TO SHOW THEIR PROCEDURES PUT IN PLACE TO VERIFY THESE LATE LISTINGS FOR MY ACCOUNT? I ALSO AKED THAT THEY PROVIDE ME WITH A COPY OF THE ORIGINAL CONTRACT/APPLICATION WITH MY SIGNATURE? ALSO INCLUDED IN MY LETTER I REQUESTED THAT THEY SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE CREDIT BUREAS IS ACCURATE? IF YOU CAN NOT PROVIDE ME WITH THIS INFORMATION THEN YOU MUST REMOVE THESE INACCURATE LATE PAYMENT LISTINGS AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER!!! BUT IM ASKING FOR HARDCORE PROOF I WAS LATE AND BASED ON MY RESEARCH ON THE FTC WEBSITE, I KNOW THAT THEY HAVE STRICT POLICIES WHEN IT COMES TO YOU ( XXXX ) REPORTING CONSUMER DATA. I KNOW FOR A FACT THAT XXXX BEING THE FURNISHER REPORTING MUST BE 100 % ACCURATE. PLEASE SHOW ME PROOF THAT YOUR REPORTINGS IS 100 % ACCURATE? I WOULD LIKE TO SEE A COMPLETE BREAKDOWN SHOWING THAT MY RIGHTS ARE NOT BEING VIOLATED? ALSO ACORDING TO THE FAIR CREDIT REPORTING ACT ANY FURNISHER THAT WILLFULLY REPORTS INACCURATE INFORMATION WITHOUT TAKING THE NECESSARY STEPS TO FIX THE ISSUE COULD BE IN VIOLATION OF THE ACT WHICH CARRIES A FINE OF {$1000.00} PER VIOLATION. STOP REPORTING THIS WRONG INFORMATION TO ALL THREE CREDIT BUREAUS BECAUSE I AHVE NEVER BEEN LATE AT ANY POINT IN TIME I HAVE HAD STUDENT LOANS.
I received an unsolicited letter wanting to consolidate my existing mortgage and an estimated credit card debt of {$5000.00}. The letter stated that Franklin Mortgage Solutions could lower our monthly payments to {$1400.00}. I was given a phone number XXXX to speak with my loan representative. I do not have any credit card debt nor any problems paying my mortgage. The letter is very confusing, leading me to think that I have debt! The " Account Number '' for " my case '' is XXXX, sounding like something from the IRS! I was given a phone number to stop receiving " prescreened offers ''. I called that number but I was not able to ascertain whether this was a legitimate government agency! I can imagine that many people would be confused and very anxious that they were in debt. The " new loan proposal '' to correct this " problem '' was a 30 year fixed rate of 4.125 %. This letter is very incomplete regarding all the pertinent details.
XXXX  has been non-compliant with removing the unverified account VANDERBILT MORTGAGE which has been deleted by XXXX and XXXX XXXX  and XXXX have both completed their research and determined that VANDERBILT MORTGAGE was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I was seen at XXXX in XXXX who then sent personal information to Kross Lieberman & Stone. Kross Lieberman & Stonesent personal health information what type of procedure and reason for my visit which has to be in violation of HIPPA. I also do not see Kross Lieberman & Stone licensed to collect in the state of NC
This company, Net Spend sent me a debit card that I did not request. The card can only be activated by entering my social security number, not the card number. I tried to contact Net Spend and without activating the card I could not speak to customer service. I have filed a complaint with the FTC and Local Police. My name and address is listed with Opt-out Prescreen list and flagged with the credit bureaus. I had to email them to cancel card XXXX exp XXXX.
I have requested removal of personal information  (  addresses & also known as ) 2 times. Both times EQUIFAX has claimed the information was removed ( included all records for proof & showing today 's information ) but when I check my records it 's still listed on my credit report. I need this information removed immediately as it does not belong to me nor have I lived at these addresses ...     Additionally, I have no clue how they go about remove or re-adding information but I 'm sure its a violation of the FCRA. I would like sanctions brought against Equifax ...
I paid off my timeshare loan ( {$2100.00} ) with XXXX XXXX XXXX, in XX/XX/XXXX. I got a letter confirming my payoff. As well as a share from their company stock, also confirming my payoff. They called it a " confirmation certificate '. 

In XX/XX/XXXX, I sold my XXXX XXXX membership to a different timeshare company. I filled out the proper documentation for the " owner transfer '' with my new company. The following year, XXXX I get a statement that my yearly maintenance fee had been applied to my account with XXXX XXXX. I immediately contacted both XXXX XXXX and my new timeshare company ; The new membership company stated that they had followed the proper process of transfer. XXXX XXXX stated they never received any documentation from them. XXXX XXXX then sent me documentation to fill out and explain what had happened and to close the account. I filled out and sent it back to them. A few months later I started to receive phone calls from XXXX XXXX stating I was late in paying my maintenance fees. I again explained the situation, sent the copies of the documents I had previously sent. I didn't hear anything back from them for years. Up until I recently, XX/XX/XXXX, checked my credit report and saw a report from XXXX XXXX XXXX XXXX and found that it was from XXXX XXXX XXXX. The amount that they report is nothing more than the fees they applied. Nothing to do with my loan obligation. 

I satisfied my loan obligations with XXXX XXXX XXXX. It's unfortunate that both companies didn't do their due diligence and follow through with closing/transfer of the account and now I am the one being affected negatively with this information on my credit reports.

Also, just a quick observation, I wouldn't have been able to sell my timeshare to my new timeshare company if it wasn't paid in full by me.
JP Morgan Chase bank reordered my transactions to come out from largest to smallest to increase my overdraft charges from XXXX to several. After talking to my bank about it I was informed by them that there were no corrective actions that they could take on the matter. I believe this practice to be unnecessarily financially detrimental and did read several articles about how the CFPB was looking into this practice and wanted to know if anything can be done about it.
I had a XXXX account in XXXX, XXXX that I closed because I was moving out of state ( to XXXX ). I took all of the equipment less than a week prior to me moving, to the local branch that I normally dealt with and paid them in full so it would be one less thing for me to worry about, this was XXXX 2012. I never once received any correspondence indicating there was an issue until XX/XX/XXXX when it mysteriously showed up on my credit report as not being paid. I contacted them directly and they investigated and wanted me to fax them a receipt, however I told them I did n't have it anymore since it had been over 2 1/2 years and if there had been any problems with it, I should have been notified long before 2 1/2 years and it also should not have been put on my credit report without notifying me first. The XXXX representatives I discussed it with agreed with me, however they said there was nothing further that could be done beside talk to their collections department. I spoke to them and all they wanted to do was discuss payment arrangements which I explained I was not interested in because the bill had already been paid once and I had no interest nor was it fair for me to have to pay it twice. I also filed several disputes with Equifax because XXXX kept reporting it as an active debt, however XXXX currently shows it as a closed account. I explained this to Equifax in my dispute that if XXXX has it closed that they should be reporting the same. In fact, Equifax removed it but then added it back which I did n't understand, but they continue to say after each dispute I make ( I 've made at least XXXX ), that the debt is valid, however it is not and it is hurting my credit and I need it removed.