WillisBack/dataset-financial-user-claim huggingface dataset:
Ally has not responded to resolve the discrimination complaint of XX/XX/2017. 
ref # XXXX Based on the response from Ally, XXXX, of XX/XX/2017 It is apparent that further investigation is warranted into the policies and practices of Ally used to determine credit worthiness. 
This XX/XX/2017 response from Ally is ambiguous, appears to be in conflict with itself, and is potentially misleading. Nowhere in this response is there supporting information that one can conclude Ally has not acted within a posture of age discrimination to determine credit worthiness. Simply reiterating a statement that " Ally takes claims of discrimination very seriously '' does nothing to support that Ally has not acted in just such a posture. Indeed, the lack of specificity and clarity begs the question. 

What is the criteria, specifically, which Ally would have approved this TOE? Income? How much? Use of available credit accounts? Be specific. Available cash on hand in a bank account? What exactly are those quantifiable " merits ''? My credit history reflects an unblemished credit score of XXXX and a practice of XXXX balancing credit card statements every month for years. Surely this must have some weight in the formula for credit worthiness. 

Further, please elaborate and explain the portion of the statement referring to the credit inquiry made in XX/XX/2017 that reads, " since we did not use the accurate information upon receipt of your TOE application ''. 

Ally has not and did not request or receive any additional information from myself since the initial mailing of the Ally TOE application of XX/XX/2017. Ally did not have " a permissible purpose '' to access my credit report in XX/XX/2017 in connection with evaluating the Ally TOE application. 

Additionally, the XX/XX/2017 letter to CFPB states that " an 'accurate ' declination letter will be mailed to you under separate cover at the address on the application indicating the reasons for our decision ''. This letter has not been received. Waiting for this letter to show up has caused yet further delay in my responding herein, and with each day of delay from Ally, it costs me more money to pursue the acquisition of a vehicle not to mention the induced frustration. The letter that Ally did XXXX mail to me under separate cover is a copy of the letter sent through the CFPB complaint system. Yet again, one can see how the Ally response letter is fraught with ambiguity. 

For the reasons stated above, I hereby demand that Ally, immediately, remove the unwarranted credit inquiry made in XX/XX/2017 so as not to further delay and constrain my vehicle acquisition initiative and promptly notify me through the CFPB complaint process when this action is taken. 

It is my sincere hope that future communications from Ally do not lead to more granular questioning, costs, and further, damaging time delays. Please include the CFPB in ALL communications. 
Sincerely.
This account I believe belongs to my mom which lived with me for a couple of years and filed a bankruptcy. I have asked to have this account verified and have received a report saying the account was verified and belongs to me. 
I asked how did they verify the information and they stated they contacted the court so I contacted the court and they indicated they dont provide information to credit bureaus. They then indicated they verified the information from XXXX XXXX which I contacted because I had a security freeze in place and they indicated the credit bureaus cant access my credit report. 
So Im at a loss to how they have verified this account on my report when the sources say they cant be use to verify information.
I spoke to Debt Recover Solutions ( Collection Agency ) stating that  XXXX  has sold them my account which I owe &  XXXX . I explained to them the debt was already settled with   XXXX   and was removed from my credit file already before. But they insist I still owe the debt and trying to get my personal info. They are reporting to the credit agencies again and is affecting me from getting an apartment to live. Please assist.
XXXX of my prepaid debit visa gift card issued by USBank that I bought @ XXXX in XXXX had fraudulent charges in them even though the card was still in the package on the date that those charges occurred. I filed paperwork according to the bank instruction and found out the hard way the wait can take up to 90 days long. The customer service at dispute department is n't helpful either since it 's extremely hard to get a hold of them.
Complaint submitted on XX/XX/XXXX to XXXX, XXXX, and Experian. The have not deleted any incorrect information. The things reported in XXXX are still on the credit report this is XXXX XXXX. The statue of limitations is 7 years. Inaccurate information should have been removed 3 years ago.
The Servicer Navient, for XXXX changed my loan terms without my knowledge or approval. I have never missed a payment or been late on a payment. The payments went from {$50.00} to {$150.00} without my consent. Navient ( spoke with Supervisor XXXX ID XXXX on XXXX/XXXX/2016 ) stated that there was mistake several years ago when the loan was first made and terms of the loan needed to change with or without my consent so it could be paid off in 15 years. They sent me XXXX email ( on XXXX/XXXX/2016 ) which said to go to their website to see information related to my loan, which I overlooked and never saw. The also said they sent another email, but I did not receive any other communication via email. Navient also stated they called and did not leave messages on XXXX occasions on XXXX XXXX, and XXXX, 2016. There was no written communication sent to my home regarding any proposed changes to my loan terms. The auto draft came out for my XXXX payment for the {$150.00}, which I disputed with my bank and reversed. Navient is now saying I am now past due for the {$150.00} and owe for both XXXX and XXXX {$150.00} for each month. 
I do not consent to this change and would like assistance in returning my loan terms to the original agreed terms. 
Thank you for your assistance.
I am from XXXX and recently moved to United States. I opened Checking & Savings account with Bank of America. I made few online transfers from Savings account to Checking account. After a month i was charged {$18.00} for that. 

Based on the fee schedule : It was not mentioned clearly that the transfers within the linked checking and savings accounts are also counted towards the limit of XXXX withdrawal. 

Link : https : //www.bankofamerica.com/deposits/resources/personal-schedule-fees.go? request_locale=en-usInitially i was not told about this when account was opened. Later i was told during a chat coversation with Bank agent. After going through the link provided in the bank website, I was under assumption that transfers between linked Savings and Checking accounts shall not count towards the withdrawal limit set for Regular savings account. 

Since the wordings were misleading and not so clear, i want the charge to be returned. 

Also i was not alerted once i crossed the XXXX withdrawal limit. Bank could have sent me an email/text or whenever i do the XXXX transaction that this could be charged. 

So Bank should also include the alerting system for such transactions. 

Please resolve the issue and make the arrangement for {$18.00} refund.
Transworld Systems is fraudulently reporting on my credit report in the amount of {$1100.00} account # XXXX * Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition?

* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me?

It is part of my full disclosure to you that I require a response and lack of receiving what is requested or demanded from you proves I owe you nothing. I also didnt find that this company has a valid license, bond, and certificate of authority in the state of Arizona.
My Mortgage Was Sold to XXXX XXXX XXXX in XXXX and they took it upon themselves to set up an Escrow Account on this Loan to collect for Property Taxes. I have called several times to get this removed. I pay the Property Taxes directly and Now they are stating they need to order an Escrow analysis to be able to remove the Taxes. An Escrow account is NOT a requirement for this Mortgage. I am an Escrow officer and I know how the works. I am truly Disappointed with the company and how they are servicing my loan. I received the Tax Bill in the Mail and it is not showing that it is being escrowed. XXXX XXXX XXXX never Notified the Tax collector that they were planning to pay the Taxes. So I am not only upset, but wondering where my money is going?
I took out a loan on my vehicle in XXXX of XXXX. I am not disputing this and I defaulted on the loan and owed this company and a late, repo was put on my credit reports which were valid. I called XXXX  and asked them about the judgment letter I received that stated a judgment would not be reported it I made arrangements to pay. I called on XX/XX/XXXX and did just that. They never gave me proof as to what the vehicle was sold for only verbal proof, why would I trust these people to tell the truth. I was then told I had a remaining balance of XXXX in which I could make payments and it would not be reported as a charge off because I have satisfied my obligation. Even though I know this was still bad on my credit I didnt want to owe these people and have them out another negative remark on my credit report. I started paying right away and had paid almost {$800.00} dollars when I received an alert from XXXX saying that this company has reported a charge-off even though they informed me they would not if I paid and agreed to pay. 
I then called them that day and spoke with XXXX XXXX one of the Managers there. I told him my dilemma and he said, Ms. XXXX, if you make a deal with us and pay {$400.00} we will take ALL the negative information off your reports and it will be like they never existed. I was ecstatic and agreed, I spoke with an Attorney and he informed that XXXX   could not delete these items form my report but what they could do is not do anything when I disputed them and they would fall off automatically with all three bureaus within 30-60 days. I asked XXXX XXXX for something in writing stating this was the case and he refused to ask me to just trust him. I told him I trusted no one at that company and this was a business transaction. They refused to put anything in writing even though I recorded XXXX on my cell phone with his permission stating that all the items would be removed for {$400.00}. 
This has affected me greatly not so much the repo and the late but the charge off they lied about. I was denied and apt I needed and my credit lines were decreased on some of my credit card accounts. As a result of this, I have been on pins and needles aggravated my condition of anxiety that I take medication for every day. I want these people to make good on their promise and get it in writing in the interim I am going to file a claim at the XXXX XXXX courthouse on XX/XX/XXXX for the maximum of {$7500.00}. XXXX XXXX has stopped taking my calls and wont call me when I leave messages. I dont think I should be liable for the {$400.00} since I have been through so much pain and mental suffering with this company. I have proof of all that that I stated above including bank records where they took payments from my checking account for the {$150.00} per week for 5 weeks which was never reported as being paid either to the credit bureaus, in fact, I have a letter from them on XX/XX/XXXX ( attached } stating I still owe the full amount which is incorrect. 

Sincerely, XXXX XXXX
Santander sent me my first bill last week. I have been attempting to pay it ever since. The bill strongly urges you to go online, and set up your account to manage your account and pay your bill. I have tried every day, several times to set up my account. The site keeps saying they can not find my account and to call the company. I have called several times. All I get is a recording stating that I should go online to pay my bill. No one ever answers the phone. I am unable to pay my bill because of the company 's deceptive and unfair collection practices.
Webster bank is insinuating I went into bank when I was in XXXX. I showed proof and they threatened me. I got a legal aid attorney and I filed 500 ftc reports. they are illegal and uncaring crooked bank. they want to blame somebody. thus is not my loan I sent letters from my XXXX and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested
I had fraud on my American Express Credit Card and I cleared it with them on XXXX XXXX, 2015 with a confirmation number and was told they would take care of it and cancel my card. Fraud person had changed my address from XXXX XXXX XXXX, XXXX, XXXX XXXX twice. On XX/XX/2015 to XXXX XXXX XXXX, XXXX XXXX XXXX and XX/XX/2015 to XXXX XXXX XXXX, XXXX, XXXX XXXX and charged over {$9000.00} to my account with the names of the places that charges were made. I paid the XXXX charges that were mine with XXXX XXXX after I was told by my local banker of the charges on my card. Five months later I am receiving calls on my IPHONE, office phone and home phone from XXXX with a recording. I have talked to those people and they said they had no recollection of my XXXX XXXX, 2015 conversation. I have copies that I had American Express send me of the bills and that is where we saw that the fraud had changed my original address where I have lived for 18 years in XXXX to a XXXX address. XXXX calls my office phone of XXXX every day at least 10 times. I have not activated the new card American Express sent me since I am very concerned about fraud and will never activate it after being harassed by them or whoever is calling. XXXX XXXX XXXX
Again, PNC engaged in fraud and predatory behaviors. Why was I given onerous terms and how did I not get better terms for my mortgage loan? Again, PNC has refused to provide any information regarding similarly selected applicants who received loan. PNC is a criminal organization and should be investigated for their loan practices to XXXX XXXX. I sincerely believe I was treated differently and was discriminated against due to my race. After all this time and delays, the response from PNC was quite dismissive and plaIn wrong. Their response is clearly a non-response and is unacceptable.
Reference : CFPB Case No. XXXX I received a letter from Citibank ( XXXX XXXX ). 

At no time for the promotion was I advised that there was a " Know Your Customer Program '' for purposes of marketing strategies to understand clients financial needs which required a series of personal financial questions which was not the business of Citibank nor did I wish to answer. 

This should have been disclosed ahead of time not lure people in with a bonus for a checking account and then get a run down on all their personal and private information. 

This is deceptive and a hardship to people who need to arrange transportatation to the bank,. etc.. Banks give you the option of opting out of sharing information with third parties or not engaging the help of financial advisors. You do not automatically get set up like this without the permission and disclosure to the customer. This is a disgrace for Citibank in keeping customers in the dark ; manipulating customers and not disclosing the truth about promotional offers ahead of time but only after they make a complaint on their deception thay mail you 8 pages of fine print..
My XXXX year old mother just contacted XXXX  to freeze her account. Because she is XXXX and has XXXX she could not answer all of their XXXX questions, let alone the fact she does not know what my nephew, her grandson has opened in her name as far as loans and/or credit cards. Sure, they can breach all her information and mine, but NOOOOOOOO, because she doesn't know all their XXXX   answers to questions that may or may not contain real information, they REFUSE TO FREEZE HER ACCOUNT. 

I hate them and the way they treat real people with real problems. And as for your company, you are no better. I asked you to help me stop this same nephew from stealing from her PNC Bank. You in turn gave it to PNC Bank to investigate. They in turn called me and said point blank they didn't answer to you or anyone and the results of the investigation would never leave PNC walls. 

So basically, you both protect the criminal and not the victims. Great. Thanks alot.
According to Key Bank - my MC issued by  XXXX   XXXX  bank was closed because they received a report dated on  XXXX   XXXX ,2017 that I filed  Chapter   XXXX  bankruptcy.   Fact : I did filed a bankruptcy but that account was never included.   The account that they closed was of good standing -just made a $  XXXX -payment. The credit limit was {$5000.00} and it has an outstanding balance of just over {$2000.00}. I can not access the account thru online banking and I only have those paperless banking so I do not have papers.   I am trying to fix my credit and I have been keeping this account of good standing. I find it very unfair to just close the account that does not have a problem.
In XXXX I contacted Citibank regarding a foreign transaction fee, of {$20.00}, which appeared on my statement. I was informed by the rep that my credit card was used in XXXX in XX/XX/XXXX. 

I was actually in XXXX Virginia from XX/XX/XXXX to XX/XX/XXXX, this is reflected in my credit card history. 

I have tried to resolve this issue with Citibank but they have only issued me a new credit card, I have not received credit while an investigation is conducted. In fact, when i contacted Citibank for a status update, in the XXXX XXXX of XXXX, I was informed that an investigation was not on file and that someone will contact me within the week. It is now XX/XX/XXXX and I have yet to be contacted.
We were granted Forbearance on our mortgage payment for the month of XXXX 2016 because were declared a national disaster area by FEMA. That mortgage company sold our loan the same month to a different mortgage company and said they would " reach out to us to discuss payment of the missed XX/XX/XXXX installment ''. No one ever did. 
The new mortgage company, Cardinal, does not seem to recognize this. They have sent us past due letters and I have called their customer service many times to try and get it straightened out. 
I will be attaching a timeline of all of our payments and the confirmation numbers and dates. I also have itemized with whom we spoke, where and what time. The last call being to a supervisor named XXXX who said he would look into it and get back to us. He did not. We are receiving past due 2 months letters, and yesterday a phone call to my wife that they are reporting it to the credit bureau. Plus a letter just came saying they are going to take our house away. 
A complete timeline of my efforts is attached.
Reported a collection item on my credit for XXXX from 2014 ... I did not have XXXX service in 2014 and have not for at least 7 years. I believe I have disputed this before and gotten it removed but have not seen it in several years. Popped up again this month.
In XX/XX/XXXX I asked for my credit report and they keep changing the dates on trans union has me for XXXX XXXX services balance XXXX dollars XX/XX/XXXX as this is over 7 years old or older. I dont know how something can keep showing up over and over with different dates. XXXX has me down for Social Security has me down date is XX/XX/XXXX of XX/XX/XXXX. XXXX XX/XX/XXXX should be removed an the date has been over 7 years.
We have an FHA mortgage loan and the holder of the loan is PNC Bank. PNC Bank is refusing to review us for homeowner assistance options. They will not assign a point of contact to work with us, they will not consider any alternatives to help us get back into good standing on our mortgage other than full reinstatement. They won't even answer their phone when we call or return our call!! This whole problem started when a check bounced about a year ago and it led to multiple overdraft items and fees and ONE missed mortgage payment. We have tried the entire time since we missed the payment to fix this and PNC has been unreasonable and difficult the whole time and has obstructed the process. We are now facing a foreclosure sale date of XX/XX/XXXX. 

We have owned our house for nearly 10 years. My husband and I occupy the home with our XXXX children. My husband has worked as a XXXX  for years and I currently work as a XXXX XXXX XXXX. We make enough money to pay our bills, but don't really have much of a rainy day fund. In XX/XX/XXXX our bank account became overdrawn. This led to multiple checks bouncing and multiple overdraft fees. It was a mess for a couple of weeks and as a result we missed our mortgage payment. The next month ( XX/XX/XXXX ) I called in to try and make my regular mortgage payment. They told me I had to pay two months worth of payments, plus late fees. I told the PNC agents I could pay the full payment for XX/XX/XXXX and half for XX/XX/XXXX and that we could work the rest of it out. Their agent refused to accept this arrangement, and told me there were no options other than full reinstatement. We continued to try and fix this matter over the next couple of months, but their agents would not work with us on some type of repayment plan or a way to bring down the delinquent balance by making payments and PNC continued to tack on late fees. We made an honest effort to fix this problem but feel we were stonewalled by PNC. Finally when we were 3 months behind we were told that we could apply for help through a modification. I began this process and sent the paperwork in over and over -- this must have gone on for six months. Eventually we received a letter stating that PNC was no longer going to continue the review because we had exceeded our options. The meaning of this was not explained, and we don't understand how we could be trying to fix this for 8 months and then after all that time are told there are no options for assistance. 

This minor problem, where I had the ability to get caught up and only be a partial payment behind has now turned into a disaster for our family. We are told that there is a foreclosure sale date on XX/XX/XXXX. We do not have an assigned point of contact, and when we call to try and get answers or talk to someone about our case no one picks up. This is wrong and not the way things are supposed to work. There are multiple assistance options available on a FHA loan that is backed by HUD and PNC is supposed to review us for ALL of these programs in order to determine what options are available. By dragging this out from 1 month to 4 months to 8 months and now 14 months PNC has put our backs against the wall
I 've complained to Huntington they closed my local bank to allow the shareholders and CEO 's to profit more by making us stand in long lines. There is no accountability in banking anymore. The CFPB is doing nothing to hold these banks accountable. The tellers make nothing compared to the shareholders and are overworked and underpaid. We still do n't know who owns the notes on our houses. The banks are worse than 2009 in my opinion. It 's a scam.