WillisBack/dataset-financial-user-claim huggingface dataset:
This letter is to formally put XXXX on notice. 

I have as of today XX/XX/2018 at XXXX, Paid off in full my student loan in the amount of {$29000.00}. 

You are owed not XXXX XXXX more. Any interest acrrued from XXXX will be credited back to me. 

You pieces of XXXX you in ( ) 's I believe charged me an Additional {$38.00} in interest on the {$5200.00}. XXXX I just paid. 

I get that back, as you assured The Consumer Financial Proctection Bureau that no additional interest had been accrued and you tacked that amount on my total Payoff you piece of XXXX. 

If you don't think I know you are wrong when the payment went from $ XXXX.and some change, to {$29000.00} to {$29000.00} in a matter of seconds. You charged me additional interest on top of interest. 

I do get that money back you XXXX.. 

Also, for the next 30 days until I have that written confirmation in my hand your XXXX is mine. I will ride you till this is done and you will not charge me XXXX XXXX more!!!!!! 

I expect this to go smoothly and if it doesn't expect me to have you in court so fast ... Even if it's over XXXX cents!!!! 

I hate you with such a passion it will be my pleasure to watch you squirm.. 


I expect my payment to be processed in full by tomorrow. 

I will be monitoring my account everyday and I expect a XXXX amount shown.. 


If you charge me even XXXX XXXX you can go XXXX yourselves.. 


The government has been paid in full and you are to get the XXXX out of my life!!!! 


My final words to you!!!! 


Go XXXX yourself XXXX I mean XXXX ... 

Free at last!!! I am free at last!!!! Thank Gd almighty I am free at last!!!! 


XXXX YOU in the biggest term of the sense!!!!! 


XXXX you XXXX you XXXX you XXXX you XXXX you XXXX you XXXX you!!!!!!
I, XXXX XXXX have never had an account /contract with XXXX XXXX.I have never received any correspondence from them ; therefore i am requesting that this item be removed from all three credit breaus.
I have submitted a requested a mortgage modification with financials to Caliber Home Loans. I have a 1st and 2nd mortgage with them. My interest rate adjusting out frequently has put my family in a hardship, I have requested a fixed rate mortgage payment. I was recently denied because they stated I have excessive debts. The only debts I have is my mortgage payment. This is incorrect information my income does allow me to pay a mortgage payment. I feel I'm being discriminated against because I'm XXXX I want to keep my home. Please Help!!!!!!!!
I am supposed to have standing instructions on my account to apply any extra payment that I make each month to Fedloan servicing to my highest interest rate loan. I can provide emails from XXXX/XXXX/15 with my standing instructions on how to apply additional money. Subsequently I increased my monthly payment, and submitted a request to Fedloan inquiring about whether my standing instructions needed to be updated. I was told that changes to direct debit amount would not change my standing instructions. I did some checking into my payment history and discovered that my payments were not being applied as I had instructed.
I want to report consumer fraud. I used XXXX, which I believe is located at XXXX XXXX XXXX XXXX, XXXX XXXX Pmb XXXX, XXXX TX XXXX. After entering my information, I received three credit scores from the various bureaus. The scores I received from XXXX were XXXX, XXXX, and XXXX. XXXX represented that these were my scores and advertised its services to improve the scores. I know I have excellent credit and was surprised by my scores, so I went to XXXX and requested my scores and reports from all three bureaus. I did this within minutes off receiving the scores from XXXX. My actual scores are XXXX, XXXX, XXXX. It became clear to me that XXXX was reducing the actual scores of consumers in order to encourage the sale of their services. After a period of time, XXXX could simply report the actual scores and claim that their efforts improved my scores worked, improving the chances that they will get an ongoing customer. This is clearly consumer fraud and unfair business practices. I immediately cancelled the recurring fee by phone, but was left disturbed at what occurred.
The first time the rep called me I politely asked them to send me only paper mail regarding this matter but they continue to call consistently.
Applied for a modification with XXXX XXXX XXXX, completed the trial steps, then in the middle of the final step, was transferred to a new servicer ( caliber home loan ) who processed my modification for 2 to 3 months with no answers, then sent a package for permanent status Modification in XXXX with a due date for payment XXXX XXXX, 2016, then I sent the package back with payment, but they 're saying I had to make a payment also for XXXX XXXX, WHEN I got the papers in XXXX. ( A month later ) And the first payment after XXXX would be due 8 days later!!! But also that XXXX payment ( a month ago ) is also due. Putting us back in the same hardship!!
Received a call from a person representing PayPal Credit. Was immediately attacked by the representative about the number of voicemails they have left on my phone, at which time I notified her that was impossible as my phone does not have voicemail set up. Which she then acknowledgeed that I was correct. She continued to explain that payment has not been made for XXXX or something to that affect and at XXXX today they would be taking legal action, if I did not make a payment " right now. '' I informed her that my wife handles the account, at which poinnt she stated rather aggressively, " WELL IT DOESN '' T APPEAR ANYONE IS HANDLING THE ACCOUNT! '' I told her if she continued to talk to me in this fashion I would be hanging up, at which point she appeared to be gearing up for another round of attack and I hung up on her. This all occurred at about XXXX on XXXX.
I dispute the validity of the debt in entirety and every portion of it. I am requesting for exact copies of the original documents that demonstrate that student loan lending and borrowing transactions did take place and the resulting debt exists.
The original creditor was   XXXX   XXXX   XXXX   XXXX  . The original debt problem was in  XXXX . I lost my job and was n't able to find another job. I was unable to pay off the debt.   XXXX   XXXX   XXXX   XXXX   assigned a debt collector,  United Recovery Systems.  I negotiated a settlement and on  XXXX / XXXX / XXXX  the debt was paid off  to United Recovery Systems. I h ave the original letter of proof from them stating the debt is paid. Just after that date,   XXXX   XXXX   XXXX   XXXX   hire d 2 other  debt  collectors,    XXXX   XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX  to try to collect the debt again. I had to send them a copy of the pay off letter and they were satisfied.   XXXX   XXXX   XXXX   XXXX   then hir ed United Recovery Systems AGAIN t o collect the debt. This was on  XXXX / XXXX / XXXX .  United Recovery Systems s aid they did not show a record of the pay off. I had to send a copy of the letter FROM  United Recovery Systems, TO United Recovery Systems to pro ve I paid it off. If I would n't have had a copy of it, they would have said it was never paid. Then on  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX   hired  XXXX   XXXX   XXXX  - same process. On  XXXX / XXXX / XXXX  I received another letter from another collection agency,  XXXX   XXXX   XXXX  again saying I still owed the debt - same process. Then on  XXXX / XXXX / XXXX  I got a letter AGAIN fro m United Recovery Systems ( now  know n as Alltran Financial LP ) s aying I still owe the debt - I went thru the process again. Now I just got a letter AGAIN from  United Recovery Systems/Alltran Financial LP saying I STILL owe the debt. It 's even signed by the SAME person as last years letter!!
On XX/XX/XXXX we lost our home in carr fire, we had insurance which the total was XXXX. This amount was sent to Ditech financial who held the deed, we have been on time for many years and only owed XXXX. They have paid off the loan on XX/XX/2019 and sent us the letter ending our relationship with a paid in full, and we have recieved the deed. They have yet to return the remainder of our insurance claim which is XXXX XXXX. We remain XXXX  because of this and haven't been able to replace our home, we have made many attempts to find out why. They have continued to refuse to allow us to speak to anyone in charge about this issue.
In XXXX my money in savings account number XXXX with Citibank was fraudulently withdrawn. On my protest, Citibank credited the money back into my account. Since I do not live in USA I instructed Citibank to block the account ( which obviously had been compromised ) to prevent further abuse until I identify myself in person. 
In XXXX, I visited the bank and to my utmost surprise, withdrawals were again carried on the account, In response to my inquiries, Citibank stated that after my account was credited with the previously disputed withdrawals of XXXX, the account was again debited in XXXX. Citibank admitted that despite the freezing instruction on my account, it was unfortunately not blocked as instructed " due to interest that was posting ''. 
Since then Citibank has refused to investigate and/or credit my account with the money despite several protest and complaints.
I received a letter for 50 % settlement of a debt of {$430.00} owed to  XXXX   XXXX . However, I am a current subscriber ( in good standing ) with  XXXX  and there 's no way I could be in collections with them. This is a bogus debt.
On 1XXXX16 I purchased {$7700.00} worth of what were supposed to be refurbished phones from a company called XXXX XXXX. The phones were not refurbished and therefore useless to me. The sales rep took full responsibility initially and told me he would take them back. His manager refused to take them back. They claimed they sent me theire " no return '' policy but I never received it. In the information technology business, it 's unheard of not to stand by the products you sell unless you happen to be completely unethical. I tried to contact the owner to resolve the dispute and he would not return my call. I then immediately disputed the charge with the credit card company. I provided evidence from my email that no policy was ever received by me. I had done one transaction prior witht he company in which they purchased equipment from me and that went very smoothly. I had no reason to believe this purchase would be a different experience. I returned their equipment at my expense. They refused delivery. I am currently in posession of these phones and completely willing to ship them back in return for a refund. The phones are virtually worthless and I have been a victim of a very unethical company. Chase Inc. has decided it is a valid charge despite the fact that I never received any return/refund policy.
On Friday ( XXXX/XXXX/16 ) I went to a Key Bank location close an account on behalf of my deceased mother. I had all the appropriate legal documents to close the account. The nice Key Bank employee informed me they could not close the account because the " system '' was down. The Key Bank employee had no idea when the system would be functional again. I called today ( XXXX/XXXX/16 ) and Key Bank 's " system '' is STILL down! So I still can close the account. The Key Bank employee I spoke to today ( XXXX/XXXX/16 ) says they STILL have NO IDEA when the system will be functional. Almost unbelievable that the system would be down this long!
I am on the pay as you earn repayment plan. I'm temporarily XXXX and I'm not earning anything and I can not pay anything. I've submitted forms and they are still trying to get me to pay and negatively reporting on my credit report.
company created an illegal hard inquiry on my Experian credit bureau, admitted no debt owed to agency, refuse to remove. 
illegally obtained my personal identity info from the agency 's client forcing me to pay for a debt I do not owe, to either the agency 's client or the agency
My name is XXXX XXXX and I live on XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I was approved for loan modifications payments at XXXX/XXXX/XXXX by Bank of America and transferred my mortgage to XXXX XXXX XXXX XXXX. Before they approved me for this loan modification Bank of America Loan Service have sent a letter to me and ask to pay my loan modification payments. I have sent them my Cashiers check {$5.00} at XXXX/XXXX/XXXX. I was in a process off loan modifications more then 4 years. I thought this my {$5000.00} will be apply for loan modification payments when Bank of America approved me. But I never get back my money back from Bank of America and my {$5000.00} they never was apply for my mortgage payments. I called many time to different departments of Bank of America, I have sent them letter with my questions where my {$5000.00}, but I have got many different answers. They told me they have been sent my {$5000.00} to new my mortgage service XXXX XXXX XXXX. I called to XXXX and they answered to me then Bank of America never sent them my money. I will send you all my proofs, like copies of my cashiers check of {$5000.00} back and front, the post card certified mail wich Bank of America sighted. 
Please help me to get my {$5000.00} back, because I have sent to Bank of America for loan modification payments, not for something else. 
Thank you so much. 
XXXX My email : XXXX My phone number is XXXX My previous loan with Bank of America is XXXX
This company is repeatedly harassing me with phone calls about a bogus debt. I get multiple threatening voicemails claiming they 'll involve the law. When you call they refuse to let you speak to a supervisor and say they 're unable to mail you validation of the debt. They are a scam and need to be dealt with! Any real debt owed would be reflected on my credit report, so I know they 're a scam.
I got my first credit card on XX/XX/2016. It was Discover. And my account was closed XXXX days after I got this card. A few days later they sent a message to me, saying that they closed my account due to unsuccessful payment history. I tried to pay off my credit card XXXX days after I got this card, which was XXXX or more days before the first due day. I 'm regularly paid and able to pay off the credit card every month. And I finally paid off before the first due day. The problem about the unsuccessful payment was that I was new to any credit card and any checking account in XXXX. I deposited a check into my checking account ( it was XXXX ) and made a payment to my credit card after XXXX bussiness days when I saw it posted. But this payment was returned because XXXX later told me for those who opened a checking account within XXXX days it would took XXXX bussiness days to process a check. So my payment was returned due to insufficient funds. I explained to Discover that it was because I was a new user and a foreigner and I did n't know so many rules of credit cards or checking accounts. I did n't even know unsuccessful payment history would result in closure of accounts. Payment can be unsuccessful sometimes and it is normal for a new user. I consulted other credit card companies like XXXX. They said they would just restrict some accounts due to unsuccessful payment and these accounts can be reactivated upon payment cleared. But that Discover just arbitrarily closed my account. I think Discover is not at all customer friendly.
XXXX XXXX XXXX made an error in reporting my payment status and is not willing to fix it. They are reporting me as paying late in XX/XX/2018 and I was never late in paying my account. It was an error on XXXX XXXX XXXX part.
In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.
My credit report was pulled and I have over 10 inquires without my authorization or knowledge. I have contacted experian to dispute the validity of the inquires that were not made by me and to provide me with documentation that I authorized this credit inquiry. Experian responded back on XX/XX/18 stating by federal law my personal credit report must list all organizations that have requested my credit history when I wrote them to dispute I did not authorize my credit to be pulled and to show me a signed application.
I originally applied for a mtg modification in XX/XX/XXXX due to a financial hardship that occurred on XX/XX/XXXX. I was injured at work and was dismissed from work and placed on workers compensation. While on workers comp my total monthly income was {$2300.00} per month. I even had to file a chapter XXXX bankruptcy which was discharged XX/XX/XXXX. This application was denied with reason being " loan not seasoned enough ''. I was told submit an appeal on XX/XX/XXXX when my loan would be 12 months old. This appeal was denied because my income was only $ XXXX/m and because workers comp income is not considered permanent income. I then submitted my employment verification letter proving that I was going to begin working on XX/XX/XXXX which would then produce a permanent increase in income as the job I started was was permanent. This was denied by my lender because " my income to debt ratio did would not meet poverty limit guidelines. '' My income was {$3700.00} per month once I began working. This alerted me that the lender did not take into account that most of my debt was discharged in the  bankruptcy therefore, my monthly expenses had decreased.I then followed up with an email providing the loss mitigation department a copy of my chapter XXXX discharge with list of creditors whose debt was discharged which proved my decrease in monthly expenses. I also sent an updated income and expense form as well as current paystubs as I had began working. They denied again because " debt to income ratio did not meet the guidelines ''. At that time my monthly income had increased because I had started to receive court ordered child support. I spoke to loss mit dept who then advised me to submit a new application. I submitted a new modification application packet with updated income showing the increase in my income. Did not hear back from the lender. I called the loss mit department to check the status of my application. It was then brought to my attention that my home was in foreclosure. Come to find out they overlooked my application. Once they realized this they paused the foreclosure and reviewed my app. I was denied because " my income was too high and which disqualified me from qualifying for assistance. I feel that the lender is coming up with reasons to deny me.
Two problems with TD Bank. 

1 ) Prepaid TD Connect card in name of XXXX XXXX was closed by TD Bank, sometime in XXXX I believe. They stated my accunt was used to fund the card, so they closed it. There is over {$3000.00} on the prepaid card and we called 4 times for getting refund check mailed. 2nd call said have to wait 30 days after closing and checking will be mailed around XX/XX/XXXX. Called XX/XX/XXXX and they sent to escalation of what issue is. XX/XX/XXXX spoke to rep and supervisor who saw no status update and exclated again and asked us to call back yet again in a few days. Each time takes 20-30 minutes to talk to the right person and get information. 

There is no online access to the account and the card is closed, can't be used. There is only TD records of the over {$3000.00} owed and they can't figure out how to issue the refund. 

The closed account is XXXX XXXX XXXX XXXX. 

2 ) 2nd issue is credit card in name of XXXX XXXX. Two payments were made of {$3000.00} each on XXXX and XX/XX/22 and the autopay was XXXX. TD took the autopay of statement balanced of {$6000.00} in addition on XX/XX/XXXX, creating a credit balance owed. TD acknowledged the mistake. 

I requested the credit balance 3 twices. I went through various security screens and the fraud department said they cleared the account. A refund check of {$1100.00} is owed and one department is not communicating to another. They can't figure out how to issue refund. 

I spent 59 minutes on the phone on XX/XX/XXXX from hold times to transferred about 5 times. We have cleared their fraud screenings on each phone call with text code to phone too and someone in fraud department said account is cleared. 

There is some incomptence with TD Bank that gives the appearance of Bank Fraud for illciitily holding funds that have been prepaid.
I have XXXX ( now NAVIENT ) student loan " late fees '' unlawfully reported on my credit report. I had a forbearance and still have an extended forbearance. 

The reason I had to take a temporary break from attending classes for the last XXXX classes of my XXXX degree and ask for forbearances is because XXXX XXXX I unknowingly experienced XXXX XXXX in the same week ... 
-my car was " totaled '' from a very minor fender bender -I lost the job I had at the time because I suddenly had no car -my dog who was my Best Friend, sporadically died after being diagnosed with a XXXX caused from XXXX in our rent house of 2.5 years that the owners discreetly knew of. 
XXXX. 
-I had to evacuate the rent house and find a place to temporarily stay while dealing with everything that just happened. 

My credit report currently has XXXX reporting late fees six times! They knew what happened because I called and explained after it happened. I had XXXX simultaneous extenuating circumstances, I want the late fees removed. I 've called to remove it and they wo n't. Because of this, I was denied financing for my replacement car making the only option to pay {$600.00} a month for a XXXX vechicle, denied refinancing on my car, denied getting into an apartment, denied buying a house, and if I try to apply for anything else I 'll have the same problem. I bust my tail at work, plan to finish the remaining XXXX courses of my XXXX degree, and live a joyful, successful life, I need my credit to be in excellent standing for this. 

These intentionally faulty claims on my credit report are n't my fault. I will not allow it to continue to destroy my life because the people at XXXX attempted to punish me by ruining my credit report. 

It 's been difficult enough picking up the pieces and rebuilding my life the best I 'm able over the last two years after multiple losses, the wrongful death of my Best Friend, paying bills, having to save money to buy a replacement vehicle, and having to replace everything from my rent house because it was ruined by XXXX.
I have  XXXX  accounts wit h US Bank.  They processed payments from the wrong account and as a results charged me  XXXX  overdraft fees in an amount of {$36.00} each. I do not have overdraft protection. When I try to dispute transactions made from wrong account they refuse to do so.
A few months ago I realized I was the victim of Identity Theft and some credit accounts were opened in my name unlawfully and charges were made unknowingly to me. I discovered the theft from viewing my credit reports from all 3 bureaus. I froze all of my credit files, completed an ID Theft Affidavit with the FTC, obtained a police report from my city, sent Affidavits of denial and ID Theft to all creditors and collection agencirs that contacted me trying to obtain money from this clearly fraudulent account. These collection agencies continue to try and collect from me and not remove these items from my credit reports. The collection company is Midland Funding and their acct number is XXXX, also is XXXX XXXX XXXX XXXX and their collection company XXXX XXXX XXXX XXXX XXXX XXXX.
i sent money in XXXX yesterday through western union, but a receiver didnt get the money i sent, western union in XXXX said over sending need to change the name of the receiver..i just want to change the name of my receiver to get the money in XXXX