WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I logged into my online corporate card account to make a required payment but received a notice that the payment could not process. After attempting a second time, I discussed the issue with a co-worker and we both agreed that the payment system must be glitching ( again ). As such, I dialed the customer service number and proceeded to make the payment over the phone.

On or around XX/XX/XXXX I noticed on my personal account that JP Morgan had erroneously accepted two of the payments and withdrawn the corresponding balances from my personal account without permission. Although I authorized the bank to retrieve funds from my account, I would never have authorized a double posting under these conditions. 

Soon after identifying this issue, I contacted JP Morgan and got the proverbial " run around '' until they finally pledged to refund the erroneous second payment. The representative indicated that the reimbursement would be issued through a check and that ACH was not an option, despite having used ACH to obtain the funds. 

As of XX/XX/XXXX I have still not received my refund and yet the payment within JP Morgan 's system has been reversed. This essentially means that I am floating JP Morgan about {$360.00} of my own personal funds due to their system processing errors. When I called the customer service representative for an explanation, the representative ( XXXX ) indicated that this is JP Morgan 's procedure for handling refunds. Rather than waiting for a successful reimbursement to clear, the staff actually reverses the payment in anticipation for the refund to clear. If payment is not received, XXXX said to call back and they will work on it again. 

I am disappointed with this entire process and urge you to look into a reasonable remedy.
XX/XX/2018 -Bronstein & Weiss contacted friend -Company said they were a law. They said they've been trying to get in touch with me about a pending lawsuit in XXXX County that's being filed by Friday. They left a phone number, case file number, and extension. 

XX/XX/2018 -I called Bronstein & Weiss -They claimed I owed {$680.00} and would accept debit card payment. They sent over a single page contract. 

XX/XX/2018 XXXX XXXX -Bronstein & Weiss contacted mother -Company left a voicemail claiming to be a law firm stating that I owed {$680.00} and was going to recieve a {$38.00} fine if I didn't pay by XXXX XXXX that day. 

XX/XX/2018 -I contacted Bronstein & Weiss -I  requested that they stop contacting others about my debt. They said they would talk with their head attorney. They gave me their address of XXXX XXXX XXXX once asked. They attempted to send a single page contract again that I never signed.
I checked my credit report on a weekly base on XXXX XXXX and it ask me to confirm my new account. I have n't applied for new credit or anything so I log on and it stated it was a new medical collection account that was reported on XXXX XXXX, 2017 by Bay Area CS for the amount of {$760.00}. I contacted my heath insurance ask them if all my claims were paid they stated yes and I had them verify my coverage and they did they pay 100 % I just have to cover the co payment which is {$20.00} for an DR. office {$100.00} for Hospital. So I find this odd that this company is reporting I owe {$760.00}. I never revived any paperwork on this no proof its my debt and my heath insurance said they already covered all my claims so there is nothing owed and if there is something owed it will either be {$20.00} or {$100.00}.
Ally continues to contact my cell phone asking for information on a relative. They have contacted all of the cell phone numbers in my plan and continue to do so after have been asked several times to cease communication.
This is a XXXX loan of {$1500.00} on a Wells Fargo Credit Card that also can be used for other medical purposes. The XXXX said my loan would be {$1000.00} about {$35.00} a month. XX/XX/2016 I paid {$40.00} and was charged {$16.00} in interest. I did n't ask for this credit card and the interest they are charging me. When I was having the XXXX I kept asking how much this work was going to cost me, the XXXX and/or staff kept telling me not to worry. Even when I was finished I still was not given a dollar amount. This pretty much covers the problem.
Credit reporting agencies have allowed debt collectors to resell accounts and allowed them to re-post in an attempt to keep aged accounts open as if new.
XXXX XXXX XXXX Policy # XXXX Retired Employees of XXXX XXXX CountyXX/XX/XXXX Teeth cleaning with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX issued check to XXXX XXXX {$90.00} for service. XXXX XXXX does not receive check. 
XX/XX/XXXX I obtained copy of cashed check from XXXX and forwarded it to XXXX XXXX. The check had been cashed by California Bank and Trust, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX XXXX filed an affidavit with XXXX for non receipt of check. 
XX/XX/XXXX After checking with their security department, the California Bank and Trust manager instructed me to have XXXX XXXX file another affidavit with their bank. He filed the XXXX affidavit. 
XX/XX/XXXX I met with XXXX XXXX XXXX, Manager XXXX ( XXXX ) to follow up on the status of the affidavit. She determined that XXXX had failed to notify us that no action was being taken on the affidavit because XXXX XXXX was not a customer of XXXX. She found the cashed check electronically and their customer who had cashed it. She would not release the name of the customer to me. Since XXXX had accepted the check without verification, she agreed that the transaction was either an error or fraudulent. I requested that XXXX write a check for {$90.00} to XXXX XXXX and debit their customer 's account. She refused. 
XX/XX/XXXX I have had many conversations with XXXX XXXX, XXXX XXXX XXXX, XXXX ext XXXX. As of this date, action on XXXX XXXX 's affidavit is apparently still pending. She was unable to provide a case number from XXXX XXXX bank who issued the check.
I opened a cd with Barclaysus on XX/XX/XXXX and funded it with {$100.00} on XX/XX/XXXX. After the funding I had several issues accessing my account but did not really care since I had confirmation the account was set up and I was getting monthly notifications. I tried to sign in again today and could not log on. I called them and confirmed all of my information. They transferred me to their security team who told me the account was under investigation as fraudulent. She said they closed the account in XX/XX/XXXX and refunded my money. She also said Barclays spoke to me in XX/XX/XXXX and explained that I was scammed. She said the money was refunded to the account it came from. I received no call from Barclays in XX/XX/XXXX and they never refunded the {$100.00} to my bank account. I want my money back and if I was indeed a victim of identity theft, it seems like Im entitled to notification of that in writing.
I have a large sum consolidated student loan that I took out as a student of the XXXX XXXX XXXX XXXX and is serviced by Navient. I have paid this loan monthly and on time for almost ten years. I changed banks in XX/XX/XXXX and have been trying to update my autopay information with Navient, and they repeatedly deny my application for no apparent reason. My bank does not know why this is happening either and i do n't believe it is a problem on their end. Since i 'm not in autopay, Navient increased my interest rate and did not communicated this with me at all in the last few months - i had to keep looking at my online account info to find anything out. in addition to this, If i try to pay online through Navient monthly bill pay, they also refuse to accept my bank account information, so I have made payments through my bank 's bill payer option. The last time i did this - on XX/XX/XXXX - due to poor/unclear information on Navient 's website, I sent my  payment to the wrong address! when i did n't see the balance go down on my Student Loan account, I called Navient and it took them a while to figure out that a different Navient division ( the XXXX XXXX XXXX ) had my money and were in the 30 day process of sending it back to me! this has become a fiasco that i can get no one to help me with on Navient 's end. the last time I spoke to them - on Wednesday, XX/XX/XXXX, they tried to get me to apply for a forbearance until I got my payment back from the Navient/XXXX XXXX XXXX so they could process my autopay application ( mind you, the 4th time I 've tried to process autopay through Navient ) I feel like what they are doing is trying to drive up my interest rate and charge me late fees in order to get more money out of me! I refused the forbearance ( i do n't want a forbearance! I am not having financial hardship! I JUST WANT TO PAY THE LOAN! ) and they again denied my autopay application, this time their reason was that i have an unpaid balance! I even made an additional payment to the correct address that i was given over the phone - and that is not showing up in my account balance either! It went out of my account with the name Navient listed as the payee, but it does not show up on Navient 's end. As a borrower with a previously PERFECT payment record, there is no reason that they should not be accepting my autopay application and retroactively adjusting my interest rate while also giving me excellent customer service! but all i am getting are daily calls call from an overseas call center, telling me that my account is past due! I wish i could change companies, but i feel trapped and preyed upon and totally helpless and at their mercy. I 'm not sure what to do next and i do n't know who to go to for help! I am going to have to spend another hour + on the phone with them, which is a waste of my time as a working mother. I 'm so angry it is hard for me to not shout when i call them. what do I do?
In mid XX/XX/XXXX I extended the lease on my XXXX XXXX XXXX with XXXX XXXX. From the first billing Cycle chase began to have a on-boarding issue with payments on my account where I made payments and the payments would be applied to the previous month and create a credit for the month prior and delinquency for current cycle. I was unaware of this issue until mid XX/XX/XXXX when I applied for a mortgage. The lender ran my credit and brought to my attention that chase has been reporting me late to the credit bureaus and I would not qualify on that basis for my loan. I called chase to resolve the matter. I discussed with them at length the issue and it repercussions for myself and my family and I was told that they will not remove the late payments and delinquency from my reporting because it is out of there capacity to do so. I proceeded to hire a specialist to dispute this on my behalf to correct this error so I can Recover and move on with my life. On XX/XX/XXXX I called chase again and asked what it would take for them to show my account as current and in good standing to which they replied I must make a payment of {$1000.00} which I did. My Billing cycle for this account ends on the XX/XX/XXXX of every month. In order to insure myself against future on boarding Issues that may occur with this account I requested a letter of good standing that the account is current and the next payment is due on the XX/XX/XXXX. I went about making my XXXX and XXXX payments for this account on time. In early XXXX I began looking into a new car for lease and Opted for a newer model of the XXXX XXXX XXXX I had. When I began the process It was brought to my attention again that chase had again inaccurately and erroneously reported me late yet again. When I called chase they said I am not late and have no late payments so I asked why Am i being reported late for XX/XX/XXXX they said they don't know why I asked them to correct this and they refused. I have exhausted all means by which to approach this and remedy this with chase and I am in dire need of intervention to correct this and allow me to pick up the pieces from the damages that has come from this situation
My mortgage escrow continues to be mis calculated each year. It is not increasing because of an increase in taxes or insurance, it is increasing because of poor calculations and they never have to provide proof. 
I entered into a loan modification process with them in XX/XX/XXXX I was only XXXX payment behind. I followed there procedures during the trial and entered into the perm modification XX/XX/XXXX at that time they told me my escrow was behind and they had to increase my payment by XXXX or XXXX dollars. here we are again they are now saying I 'm XXXX behind/short. They never corrected my credit from the modification and clearly have not reviewed the process they use to calculate escrow. I want a full accounting of my escrow payments. I told them this. 
They are continually messing up my account. They even got my interest paid incorrect for XX/XX/XXXX. I do n't know what they are doing but it is not in my best interest. 

Please help me, XXXX XXXX,
I found a hard inquiry on my TransUnion Credit Report from a company called XXXX XXXX. I never requested credit from this company, there should not have been a hard inquiry. 

This is the information : Dated : XXXX XXXX, 2017 Institution Information XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
My complaint is against the following Company : Green Tree Servicing - XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX www.XXXXcomThis company illegally placed " attorney fees '' on my mortgage without my approval and i have no idea why. They said it was attorney fees that they placed on my monthly mortgage and did not mention or give me any written explantion of these fees. I had to pay them so my monthly payments would not default or be late. I demand these fees be returned to me in a timely manner.
I closed my checking account with Wells Fargo on Friday, XXXX/XXXX/15 in person at the same branch I opened it 15 years ago. The teller confirmed that the account would be closed and handed me in cash the remaining balance. I also have a credit card account with Wells Fargo and it was setup to autopay from my checking account. Payment was due on XXXX/XXXX/15 in the amount of {$290.00}. I attempted to cancel that autopay but they do n't allow you to do it online. Since the checking account had been closed, I decided to not worry about it since could n't very well autopay from a closed account. I made payments of {$500.00} & {$1000.00} to the credit card account on XXXX/XXXX/15 from XXXX separate checking accounts outside of Wells Fargo. Both posted on XXXX/XXXX/15. Wells Fargo proceeded to deduct {$290.00} from my closed checking account and transfer it as a payment to the credit card account. This caused the checking account to be charged a {$35.00} insufficient funds fee. I specifically opted out of their overdraft system previously and chose to instead have them deny payment if insufficient funds due to their manipulation of their internal system to generate fees. They then transferred {$290.00} from my credit card account ( yes, the same XXXX they had just paid ) to cover the overdraft in the checking account and charged that account another {$35.00} for paying the overdraft. Another option that I had specifically exercised to not implement because of the outrageous fee they were going to charge for as little as covering a {$1.00} overdraft. They set the system up so they would make {$70.00} for any possible overdraft if you let them tie it to your credit card account. After speaking with the Wells Fargo claims department after sending them an email detailing the problem, I was informed by the claims department person that I needed to take this up with the local branch because she did n't show the account closed. So far, I 'm about an hour into trying to protect my money and still have to spend time at my local branch. I would n't file this complaint at this point except I doubt I 'm unique in this situation and I suspect that Wells Fargo has generated a great deal to their bottom line by manipulating accounts and fees and most people just give up rather than fight them. Of course, that 's exactly why your agency was created and hopefully you will be able to force them to quit these heinous practices. One thing is for sure, I made the right decision last Friday to close my account with Wells Fargo. Thanks for your time. I have enclosed a document that contains my account info and copies from online of what transactions took place.
the law office of William C. Grossman is collecting a credit card debt that I do owe and I had made payment arrangements of {$10.00} a month I have not made my XXXX payment so they called my wife who is not on the loan and I did not give the attorney authorization to talk to anyone about the loan and they discussed my mortgage how long I have left on it in a threatening way she did tell them that she was not on the loan and did n't want to discuss it and they kept forcing the issue this is in violation of FDCPA they had no right to talk to her or anyone about it
US BANK mishandled a possible refinance that I applied for. They never kept me informed with the process or the people involved. I would just receive emails from multiple people requesting documents. Every contact was initiated by me. The only time the loan officer called to talk to me was to get my debit card information to withdraw {$390.00} application fee. I became exhausted and frustrated with the process of not being informed, processors and officers changing. The appraisal was done and 2 weeks after I received the report I emailed the loan officer to ask why I was n't hearing anything from him and he has the nerve to say he was going to send me the report! I told him I was no longer interested in refinancing because he obviously did not know what he was doing. I do n't hear anything for 2 weeks then another unknown emails me requesting more documents! I told them the same. I cancelled. On XXXX XXXX or around I saw that my XXXX account had been debited {$500.00} by US BANK without my authorization! Now I am out {$890.00} for nothing! Please help me rectify this situation. XXXX XXXX
XX/XX/2015 / XXXX / put this on credit as a collection. No contact with Real Time Solutions. I disputed this 30 day 's ago.
It is now my third time disputing the erroneous information that you continue to report on my credit file. This is the final letter before litigation. T For the final time I am unaware of the accounts listed on my credit file. I am a victim of identity theft and I have provided documents previously to you. I was also affected by the credit breach with XXXX and Equifax. I am disputing the accounts as an affidavit and an internal dispute. The error accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I am giving you 5 days to investigate this internal dispute and I am keeping record of all letters information and etc leading to our day in court. My next step is definitely to seek litigation. Please remove all other address, Names, and Accounts and inquiries your company reports continues to report erroneously. The correct information is listed below. I will follow up with a call within 2 days to get this issue resolved permanently. Remove XXXX XXXX XXXX XXXX FL XXXX. This isnt my address which I have stated time and time again, I am unaware of that address and the accounts affiliated with it. It seems erroneous and fraudulent. I wont mention it again. Its been well over 4 months and 3 disputes later and the erroneous information remains on my report and it isnt mine. By law it must be removed immediately today. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
ENHANCED RECOVERY CO has damage my financial life by reporting falls information to the credit bureaus for an account is not even mine
Experian is reporting incorrect facts regarding a Bankruptcy on my credit report. Experian maintains that they " verified that the Bankruptcy is accurate. '' I requested to see Experian 's method of verifying the Bankruptcy per FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) to include : a ) The name of the Courthouse, ( b ) the person 's name they verified the dispute with ( c ) the address ( d ) the telephone number and ( e ) the documentation used to verify the dispute. 
Per FCRA, credit reporting agencies are required to conduct investigations of disputed items with the " furnisher '' of information, not third party sources such as XXXX of XXXX XXXX. 
The Bankruptcy listing must be reported accurately FCRA, Section 609 a ( 2 ).
On XX/XX/XXXX I mailed out a dispute letter to all 3 bureaus after receiving my credit report I was shocked to see errors on my report. Then to my surprise the results of the investigation came back as verified. On XX/XX/XXXX I sent another letter asking them for the proof and AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
While overseas during the month of XXXX and XXXX 2016 and had prepared to use my ATM card held at WF and had successfully made withdraws, such as on XXXX/XXXX/16. Some days later, XXXX/XXXX/16 I went to the same location and attempted to withdraw funds and was given an error message. I went to another ATM ( different Bank ) and got the same error. I then call WF customer service and confirm that funds was available and told her of the error message, to which she suggest that I make sure I select SV. I agreed and told her that I have made successful withdraw before and well aware of options.I tried XXXX other ATMs and still received same error message and placed XXXX more calls to WF, where I was treated with disrespect and horrible customer service. At no time did the agents tried to resolve issue, but instead stress that the account is not being linked. Frustrated on the last call the agent was so rude I asked for a supervisor to which he told me NO! 
I was left cashless, hungry and embarrassed because I had not funds to pay for a surprise cake for my mothers birthday. On top of this I was hit with numerous fees ( multiple in XXXX day ) as " excessive ''.