WillisBack/dataset-financial-user-claim huggingface dataset:
After 3+ years of walking into key bank every month to make my payment & waiting 10- 20 minutes EVERY single time to make my payment which by the way includes extra principal. The wait is because key team members at every level teller, mgr, executive office can not locate their own loan. I was told by the branch mgr at the XXXX office that the wait is my fault & I 'm doing it incorrectly the payment is intended to be mailed. This occurred in XXXX. In XXXX 2017 I sent my payment via billpay to keybank the check was rec 'd & deposited on the XXXX it was sent on the XXXX. but never credited to my acct. I phoned the number on my invoice 3 times once to est. where to send XXXX ck & twice to verify receipt of my cancelled ck & deposit to an acct at Key, but not MY acct. After no resolve, I contacted the exec. offices at key spoke with & emailed XXXX XXXX & he refused on XXXX to acknowledge receipt of my info. Again he refused because he could n't find my loan or info JUST LIKE EVERY OTHER TELLER I 've ever worked with. I am VERY CONCERNED about the security, & integrity at key bank. The obvious inefficiencies of their system not to be able to locate their own loan & cause so much XXXX to a customer regarding very simple info ; " Did you receive the payment? '' I really hope others do not have to go through this terrible experience which at this point involves over 2 hours on the phones with key team members, contacting my own bank for verification, & STILL has not even been acknowledged with a simple yes, we 've rec 'd, no we have n't. It 's beyond ironic that key claims to assist woman XXXX & in my 30+ years of business this is clearly the worst experience to date.
1. REGISTER LETTER NUMBER ( S ) : RE XXXX US ; RE XXXX XXXX XXXX US ; RE XXXX XXXX XXXX US ; RE XXXX XXXX XXXX US. 

XXXX A ) SERVICED ON THE ENTITY : XXXX XXXX ; XXXX XXXX XXXX ; XXXX, PA XXXX. 

2. CERTIFICATE AND PROOF OF SERVICE ACCOUNT TRACKING NUMBER ( S )  XXXX ... XXXX ... 

( A ) ENCLOSURES : NOTICE OF RESCISSION ; AFFIDAVIT OF FORGERY ; LOAN DEBT VALIDATION REQUEST ; NOTICE TO CURE 3. REPORTING AGENCY HAS DEFAULTED ON ANSWERING THE VALIDATION DEMANDS AND THEREFORE MUST REMOVE THE MISTAKE FROM THE RECORD. 

4. THIS ERROR IS AN INJURY AND TRESPASS ON THE HOLDERS CREDIT INTERESTS. WE REQUIRE A REMEDY.

5. ALL CLAIMS ARE REGISTERED, CERTIFIED, AND TENDERED TO ALL PARTIES INCLUDING FEDERAL AND STATE AND MUNICIPAL PUBLIC/COMMERCIAL EMPLOYEES -- - CORPORATE STATE OF CALIFORNIA. 
4 ( A ) PLEASE SEE THE ATTACHED DOCUMENT : RETURN_RECEIPT.

6. KNOW THAT ... THE ATTACHED CERTIFICATES AND PROOF OF SERVICE ARE EVIDENCE OF CLAIMS FILED.

7. NO PERSON/MAN/WOMAN HAS PROVEN THE LOAN AGREEMENT.

8. WE REQUIRE DISCHARGE AND DISPOSAL BECAUSE THE LOAN IN QUESTION IS CAUSING A FALSE AND INJURIOUS REPORT ON THE PERSON AND THE HOLDER 'S RIGHT IN INTERESTS.

9. UNDER PENALTY OF PERJURY ; WITHOUT PREJUDICE ; ELECTRONIC SIGNATURE BY HOLDER/OWNER OF NAME : XXXX XXXX XXXX, ALL RIGHTS RESERVED WITHOUT RECOURSE. 





10. NOTICE U.S. CODE : TRUTH IN LENDING ACT -- 5.1635. Right of rescission as to certain transactions. ( a ) Disclosure of obligor 's right to rescind a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. ( b ) Return of money or property following rescission. When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.
For over a month I 've dealt with epic levels of incompetence at XXXX powered by Ally in taking advantage of the reduce buy out price for my leased vehicle. I 've had multiple chances to refinance with other banks but did not pursue them because of the promotion and the advertised ease of completing the process. It 's ridiculous that they only have 1 loan consultant, XXXX XXXX, XXXX Consultant, Clearlane, powered by ally. O : XXXX | F : XXXX XXXXXXXXXXXX XXXX XXXX It 's also a joke that it took 3 weeks to get him on the phone and every time I spoke to someone there, I was asked the same questions and I 've given the same response. I live in XXXX. I lived in XXXX when I leased the vehicle from XXXX XXXX. My mother drives the car. I moved to XXXX, the car and my mother remain in XXXX. That has been communicated every single time I spoke to anyone there. Now out of the blue, they say that my mother has to be on the loan application since I 'm not a XXXX resident anymore. 
They have cost me precious time and have not caused me immense stress, anxiety and angst. The lease is up in 1 month. If I am unable to work through the process before the lease is up XXXX I work 3 jobs and have a toddle and a baby so my time is extremely valuable ) I will SUE Clearlane/Ally to the gills.
Commonwealth Financial only recently has placed a collection on my credit report in which this does not belong to me, as I have not had any medical done in more than 4 years. I have never been notified of this debt, shown validation of this debt and just all the sudden showed up on my credit when there has not been one thing prior about this on my report. This is fraudulent and against Fair Credit laws
I received a voicemail saying that I am a person of interest in a legal matter and need to contact them back within 24 hours so that no charges are filed against me. I called and asked what it was regarding and he said it was a payday loan that was issued by XXXX XXXX XXXX in XXXX 2011. But I did not receive a payday loan at this time. He continued that I needed to resolve it or they would forcibly recover damages.
They do not allow you to dispute with them. They are a crooked entity that ensures you are not successful in canceling your membership. The XXXX number posted on their main website is a fake number, it is no longer in service, which in turn permits them to continuously keep charging your account for their corrupt services. Something needs to be done about this. Apparently paying XXXX dollars in fines that was imposed on them with the XXXX law that was passed, had no affect on them whatsoever. How can you continuously keep letting them get away with this is mind boggling. They are messing with our credit and destroying Amercian families that built this free Democracy. Enough is enough. We will be picketing and getting on the world wide news with this so our voices are heard.
On or about XX/XX/XXXX I received a copy of my XXXX XXXX credit report. I immediately noticed an account CitiBank/XX/XX/XXXX. This is not my account. I filed a dispute online with XXXX XXXX. They replied and told me the company said the account was mine. I then wrote XXXX XXXX a letter dated XX/XX/XXXX. I pointed out the account was opened on XX/XX/XXXX. I was starting my freshman year in college in XXXX, Tennessee on that date. I did not have a credit card at that time. I also pointed out the account is being paid each month and I was not paying it. I suggested they look to determine where the monthly statement was being mailed, where the monthly payment was coming from and that in turn would tell them who the account belonged to. It is not me. I received a written response on XX/XX/XXXX stating an investigation was done and concluded the account was mine. I then called the XXXX number for XXXX XXXX twice. Both times I talked to an individual who had difficulty with the English language. After walking them through the issue their only solution was to again file a dispute on line with them which I did.
On XX/XX/XXXX, I applied for a XXXX 's XXXX XXXX XXXX in a XXXX 's in XXXX, TX, and was approved. I used the card to make a purchase of {$270.00}. 

On XX/XX/XXXX, I received my XXXX 's XXXX XXXX XXXX and my first bill in the mail. The bill had been due on XX/XX/XXXX, one day earlier, and had ARRIVED TOO LATE TO PAY ON TIME. 

On XX/XX/XXXX, the same day I received the bill, I immediately went online, created an account, and paid {$270.00}, the full balance reflected on my bill. At this time, I noticed an additional charge : a {$27.00} late fee. I called customer service at XXXX, where a customer service representative by the name of XXXX agreed to waive the late fee via a {$27.00} credit to my account, which he said " would be reflected on the next bill. '' He also strongly encouraged me to sign up for paperless bill via my email account. I agreed. 

On XX/XX/XXXX, I received my next bill, which DID NOT reflect a credit of {$27.00} as promised. In addition, I have been charged interest on this fee which I was never supposed to be charged, bringing my account balance to {$29.00} instead of {$0.00}. 

As of XX/XX/XXXX, I have not been able to obtain satisfaction on this issue. I was lied to and then cheated out of money by customer service. My XXXX 's XXXX XXXX XXXX ( administered by Wells Fargo ) has caused me nothing but grief and has cost me a late fee for a bill I received after it was due and then additional interest on top of that late fee.
XXXX charged off my account in XXXX 2015 but the account continues to show up as a new delinquency each month since. I have tried to address this with Equifax, but was told the debt is valid and can report every month as delinquent even though the status is charged off. I am trying to rebuild my credit and unable to make progress with the account being reported as delinquent every month.
I have sent disputed documents in XXXX, XXXX  and XX/XX/XXXX to all three credit burueas XXXX, Experian and XXXX disputing information that is incorrectly being reported on my credit report. The account in particular is XXXX XXXX   acct # XXXX, account opened on XX/XX/XXXX and was closed and charged off in XXXX for XXXX! This account is reporting incorrectly and each month after the account has been closed still reports monthly that the account is passed due! How is this so, when it is closed and charged off since XXXX! The account per my credit report was last updated XX/XX/XXXX yet up until now XX/XX/XXXX it was reported past due and late! This is in direct violation of fcra and I am demanding that this account is removed from my credit report and all points low because of it be restored to my account!
I spoke with a XXXX XXXX rep by the name of XXXX on XXXX/XXXX/XXXX about a charged off Walmart card and was told that if I send them a copy that I paid the account off with XXXX XXXX XXXX they would send a request to the 3 credit bureaus to have the charged off account removed from my report. 

Its been a month since I sent them proof of payment and the account is still reporting negatively on my reports.
XXXX-2017 spoke to rep at Trans Union in regards to being a victim of their inquiry issue glitch. I was given the scripted run around. Unacceptable.
XXXX / XXXX / 2017  Equifax Could n't get free credit same a before just a scam to get you to pay.
My home mortgage was originally held by XXXX XXXX but was recently sold to Chase. To mark the transfer I received a statement from each bank dated XXXX XXXX, 2015. Inexplicably, the Chase statement showed a principal balance {$500.00} higher than that on the XXXX statement. XXXX insists they provided Chase with the correct balance. I have made multiple phone calls to Chase, sent them a written request along with copies of the XXXX discrepant mortgage statements, and waited for weeks with no resolution to what appears to be a very clearcut matter. The fact remains that {$500.00} that I paid into my mortgage has simply disappeared, so not only has my money been taken but I continue to be charged interest for a portion of principal I already paid.
I went to cash a check at Arvest Bank. The teller asked me to open an account. 
He had me go to an office to answer questions I had before opening the account. Of most importance if SSI deposits were available to customers as quick as XXXX or XXXX XXXX XXXX. He assured me they were, and said at latest Arvest may post one day later. On XX/XX/XXXX XXXX XXXX XXXX and XXXX made available to their accounts the money from SSI. When I did not receive mine by XX/XX/XXXX I called Arvest and asked why not yet, and I was informed Arvest wont post SSI until XX/XX/XXXX. I explained that is not what the guy at the bank told me when I opened my account. I explained my water would be shut off, I would hhave to go without water til the money post, and I am a full-time single dad, thats not easy to go without water. In addition I would also have to pay the disconnect and reconnect fees. When I spoke to members at the bank I was told by two tellers that informed me they are pushed to get as many people as possible to sign up for accounts. I feel the teller who signed me up for the account was pressured to get me to sign up and was going to say what I needed to hear to make it happen. When I spoke with the branch manager she assured me they don't have quota for tellers but wouldn't comment if they are pressured or asked to get everyone to sign up. I would of never been without water for 3 days if it wasn't for the pressure put on the teller or the deceitful tactics to get me to sign up. This cost me the disconnect fee and reconnect fee. Their should not be pressure for tellers to sign up accounts and tellers should not be deceitful.
Collected payment for 1 year, but unable to give memoradon or title so I could get license. Refuse to refund pymts, due to breach in contract.
My home loan was sold from one mortgage company to another. the first mortgage company was XXXX. The loan was then sold to Seneca mortgage. Upon taking over my mortgage Seneca forced me to increase my loan payment to cover what they thought was a shortage in my escrow account for taxes. The taxes had been paid at closing of the original loan. I contacted Seneca and attempted to explain this to them, including sending them documentation of checks cashed by and closing statements proving the funds had been paid. Seneca still required monthly over payments from me. After calling them on three different occasions they finally told me an escrow analysis would be done. This they said would correct any problems. On XXXX XXXX they cut me a check for the overages I had been paying. Then on XXXX XXXX they sent me a letter stating they made a mistake and I should return the monies. I 've been hung up on three times trying to correct this issue. I 've been left on hold for over an hour. And had my call dropped they did n't want to address the issue. Seneca has some major customer service issues.
XX/XX/XXXX I BORROWED {$67000.00} FROM XXXX.. TO THIS DAY THEY HAVE SAID I BORROWED {$210000.00}. MY MORTGAGE PAYMENT WAS {$1800.00} PER MONTH.
I WROTE THEM AND ALSO CALLED THEM AND TOLD THEM I COULD NOT PAYMENT AMOUNT OF MONEY PER MONTH MY INCOME WAS NOT COVERING THAT. THEY TRIED TO FORECLOSE ON ME IN XX/XX/XXXX. I HIRED XXXX XXXX XXXX OUT OF XXXX FL/XXXX XXXX FLORIDA. WE WENT TO COURT OVER THIS MATTER AND XXXX THEN SOLD THE MORTGAGE NOTE TO PENNYMAC LOAN LLC. PENNYMAC CONTIUED WITH SAME PRACTICE THAT XXXX HAD PERFORM CONCERNING HOW MUCH I OWED BACK. THE AMOUNT WAS NOW {$1400.00} PER MONTH. THEY LATER MODIFIED THE MORTGAGE MONTHLY TO {$1100.00}, JUST RECENTLY ( XX/XX/XXXX TO XX/XX/XXXX ) SINCE XX/XX/XXXX I CONTACTED PENNYMAC AND TRIED TO REASON WITH THEM ABOUT THE {$1100.00}. XXXX  BIENG TO MUCH. WED., XX/XX/XXXX IN FORMING ME THAT THEY HAVE SOLD THE MORTGAGE TO XXXX XXXX XXXX CUSTOMER SERVICE DEPT. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX/ PAYMENT OFXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. PENNY MAC TOLD ME THAT EVERY TIME THE NOTE IS SOLD THAT THE BUYING COMPANY ADD TO THE PRINCIPAL MAKING THE AMOUNT OWED GREATER WITH EVERY BUYERS PURCHASE OF THE NOTE. WITH XXXX BACKING PENNYMAC WITH SAME STATEMENT. I WENT FROM BORROWING {$67000.00} TO OWING {$21000.00} PRESENTLY. LOAN # XXXX NOW THE ESCROW THAT I WAS PAYING ING MY PAYMENT HAVE BEEN CANCELED, WITH XXXX XXXX XXXX. IT IS NOW MY RESPONSIBILITY. IF MY ESCROW IS PAYED UPTHEN WHY DID INOT RECEIVE THE OVER PLUS?????
I was notified XXXX XXXX XXXX ( XXXX ) on XX/XX/2018 regarding an alleged debt on behalf of Orion Portfolio Services , LLC ( see attached ). At that time, I contacted XXXX via phone and written correspondence ( see attached ) stating that I have reason to believe I am not responsible for the debt that is being attempted to collect. I received a letter back from XXXX dated XX/XX/2018 ( see attached ) stating they are not currently handling the debt. XXXX, also, stated that if any information had been reported, they will request that the information be deleted. I spoke to XXXX on XX/XX/2018. At that time, XXXX stated that they closed the account and sent it back to Orion Portfolio Services , LLC ( " Orion '' ). 
I pulled my credit report on XX/XX/2018, and it reflected XXXX XXXX as a creditor on behalf of XXXX ( see attached ). The date reflected on the credit report was XX/XX/2018. XXXX XXXX XXXX has the same address as XXXX. 
I contacted XXXX XXXX XXXX via certified mail on XX/XX/2018, and I copied XXXX Dispute Resolution and Orion Portfolio Services , LLC ( see attached ). In this correspondence, I requested information verifying the debt. 
I received a correspondence from XXXX dated XX/XX/2018 ( see attached ). In this letter, XXXX states that the account was transferred to Orion Portfolio, and I needed to contact XXXX XXXX XXXX XXXX to discuss the account. The number listed on the correspondence is for XXXX XXXX XXXX. 
I received a correspondence dated XX/XX/2018 from XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) ( see attached ). In this letter, XXXX states they are collecting a debt on behalf of Orion.
my credit history is not accurate Like previously open account on verify your identity are unknown to me. im unable to verify my identity because the option given arent mines
I bought XXXX EBAY gift cards around XXXX XXXX to XXXX XXXX : Details given Below : Gift Card number : XXXX was bought on XXXX. It should have {$100.00}. It does not have any remaining balance. 
Gift Card number : XXXX was bought on XXXX. It should have {$200.00}. It does not have any remaining balance. 
Gift Card number : XXXX was bought on XXXX. It should have {$100.00}. It does not have any remaining balance. 
Gift Card number : XXXX was bought on XXXX. It should have {$200.00}. It does not have any remaining balance. 
Gift Card number : XXXX was bought on XXXX. It should have {$200.00}. It does not have any remaining balance. 

The gift cards were purchased at EBAY website from seller PAYPAL. EBAY and PAYPAL were owned together at that time. 

These gift cards could only be used at EBAY.com and nowhere else. I have proof of purchase emails available and furnish as necessary. 

All these gift cards have been fraudulently used by someone and zeroed out. EBAY Fraud detection team acknowledged that but they are not helping me further at all in recovering the {$800.00} or any part of it. 

I want the answers to the following questions : Which ebay users registered in which countries used these gift cards? I want the user 's verified addresses and names so that I can raise a civil lawsuit against those people. 
What is the action that EBAY has taken against these users for using my gift cards? 
What is the transaction history of the gift cards? 
What are the fraud prevention measures that EBAY took before people trying to redeem my gift cards? 
How many gift card balances did those user ids check before trying to use my gift card? 
How long those user ids are active and are they still active? 
How many of these gift cards are being fraudulently used everyday? 

I did not buy these gift cards from third party but their erstwhile sister company Paypal and from EBAY 's website. 

If Ebay can not safeguard the gift card usage by people, then they should have a fiduciary responsibility to stop selling gift cards everywhere. 

It seems like ebay condones people from stealing gift cards of others without punitive action. 

I need more answers than a cookie cut and paste response. 

Could you please help taking my case up with EBAY to get all these details? 

Also, could you please help me getting my money back from EBAY?
Captial one credit card Open XX/XX/2018 Its not reporting on my credit report For all three credit companies Plus my users on they report
Transunion received my certified request on XXXX XXXX, 2016. My formal written correspondence requested that Transunion provide physical verification of the original signed customer contract for the item XXXX Child Support Enforce as required by federal law according to the FCRA section 609 ( A ) ( 1 ) ( A ), Transunion is required to provide documentation of all accounts posted to my credit report upon request or the items need to be removed from my credit report immediately. On XXXX/XXXX/2016 Transunion provided an updated copy of my credit report saying the information has been updated, however the information has not changed. This item is not reporting accurately and needs to be removed immediately as this is causing credit to be denied. 
The tracking number is XXXX, if this matter is not resolved immediately I will have no other choice than to bring Transunion and XXXX XXXX to small claims court seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act. 
Thank you, XXXX XXXX XXXX