WillisBack/dataset-financial-user-claim huggingface dataset:
Letter sernt via email to XXXX XXXX today, XXXX/XXXX/2016 As a consumer and a customer of Wells Fargo Bank, I am greatly disappointed that I have to forward this issue to the Chief Executive Officer of a major cooperation for the correction of a {$400.00} deposit. To many in your organization that may not be a lot of money, but as a retiree it is important to me. 

On XXXX XXXX, 2016 I submitted a check in the amount of {$400.00} to be deposited in the account referenced above at the XXXX XXXX Bank in XXXX Texas. However, I am being told that the image reader interpreted it as {$200.00}. I noticed the discrepancy on XXXX XXXX and called the bank. I spoke with XXXX XXXX who identified the discrepancy and assured me she was submitting the information for correction. XXXX XXXX also stated it would be corrected in a matter of 4 days. Well here we are on XXXX XXXX and it remains unresolved. 

I personally returned to the bank on XXXX XXXX and spoke with the Assistant to XXXX XXXX who stated he would follow-up if XXXX XXXX did not. I made XXXX subsequent telephone calls and again, I was told by XXXX XXXX it would be resolved by XXXX XXXX. I called again on the XXXX to state it had not been. No one has called me back. 

Yet, I can make an online transfer on the XXXX of XXXX from XXXX of my accounts to another and Wells Fargo processes it on the XXXX, and charges me over-draft fees. 

My expectations of responsiveness by Wells Fargo is quite low. So hopefully to ensure a timely response and resolution I am also sending this to the Consumer Financial Protection Bureau. I have been a customer with the bank for many years, going through several sells. I have multiple accounts with this bank. My loyalty and support appears not to be worthy of good customer service. In addition, community outreach needs improvement as well.
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on. Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by { {$10000.00} } per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ).
I received a call from " Unknown Caller '' Stating the I am going to be summons to court if I don't pay a debt to USBANK of {$760.00} from a checking account that has been closed since 2009. They stated they were a litigation subcontractor for XXXX XXXX XXXX. They would never give me the name of the there company but gave me the address. 
XXXX XXXX XXXX. 
XXXX, CA XXXX XXXX. 
Spoke with XXXX but she would not give me her last name. This company has called at least 10 relatives to tell them that I have a summons against me. I spoke with USBANK and they have no record of debt to my checking, savings, or my unsecured loan which all have a {$0.00} balance. XXXX also, said that I have until the end of day to satisfy payment. I think this is another scam that is trying to make people pay debt that doesn't exist. Please help me crack these people and put them in there place.
I had a Auto loan with Pelican Auto Finance ( Account # XXXX ) open in XX/XX/XXXX. My car was stolen and totaled. My insurance company paid the lien amount and all debt owed. However Pelican still closed the account as a charge off Account. After sending in disputes to XXXX the account still shows on my credit report. I wasnt notified of the results within 30 days and the account wasnt removed. XXXX couldnt verify any of the information do to the fact Pelican Auto Finance is out of business. I called Pelican to attempt to resolve the issue again and their phones are out of service. The two other reporting agencies removed this auto from my credit report.
I received 3 recent overdraft fees for the same basic issue. 1 each on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ( One of those was refunded after a prior CFPB complaints. The 2 still need to be refunded ).

I have online banking, I use the PNC app, and I am set up to receive a daily email warning when I have a low balance.

It is common to check online banking manually, and/or receive the alert email, and see a positive - but wake up the next day to find that not only has the account become overdrawn overnight, but the cooresponding fee has already been added. Basically a charge or charges post retroactively, creating an overdraft, and a fee is added.

This creates a situation where the customer has no opportunity to correct an overdraft before it occurs, because it occurs retroactively in the past. This despite using all tools the bank provides to track balance in real time. I have described this scenario in long detail to PNC reps. They agree that this happens, but will generally not refund the fee.
There is a name other than mine on my credit report.. " XXXX XXXX XXXX '' and the XXXX address is not mine
I have just checked in to view the status of my investigation sent through this website regarding an invalid Civil Judgment reporting on my credit report through XXXX under Judgment XXXX. I have waited already 32 days for a response and have not received one and I am getting extremely worried regarding what is going on. XXXX is not supposed to be reflecting on my credit report an this investigation has surpassed its limit and on top of forwarding all invalid judgment documentation to Experian which i received from the XXXX XXXX court records office ; I have been patient enough and I would like to know how soon this jusomenmt can be removed from my credit report. My investigation on this Consumer Financial Protection website has lead me to believe and to know for a fact that the law ( 168. section B ) states that reinvestigation may take a 30-day period to complete. I have not forwarded any more relevant documents regarding this expunged judgment in these 30 days, so I do not understand what the hold up is. Please remove this invalid judgment and so I can finally return to my financial life and try to correct the wrongs done this past 8 years with Experian having displayed this account unlawfully barring many financial institutions to deny me credit. I think i have awaited and suffered enough.
My issue is with Experian & some incorrect information that they are reporting in my file. They are reporting a XXXX XXXX account that does n't belong to me. Experian cites the account was discharged through Chapter XXXX bankruptcy, when in fact I 've never filed any type of bankruptcy or owned a XXXX XXXX Credit Card account for that matter. Which leads me to my next issue with them. Experian is also reporting a Chapter XXXX bankruptcy on my file, when in fact I 've never filed any type of bankruptcy. I 've requested validation & for them to remove but they refuse citing unless there is new information from when I originally disputed the XXXX items, they will not Remove or Reinvestigate the Accounts/Judgements. Furthermore Experian refuses to send me the items that were used to validate these XXXX items in my file. I 've had a lot of fraudulent activity on my file in recent years which led me to put fraud alerts on each of my files. Due to that, I 've worked tirelessly over the years to get my information corrected on my files with each Credit Reporting Agency. I 've also verified with all the 3rd party reporting agencies XXXX, XXXX, XXXX, XXXX, & XXXX that no public records, judgements, or tax liens exist in my files. At this point, I feel Experian Never Investigated or Verified the information in my disputes or credit files ... which is a huge violation of the FCRA 15 U.S.C, 1681g. If Experian does n't have any documentation in there files to verify the accuracy of these disputed accounts then they must Delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on m credit reports and distributing them to 3rd parties, Experian is damaging my reputation and credit worthiness.
I was contacted by phone at my work place on XXXX/XXXX/XX/XX/2015 by AppleRecovery attempting to collect on debt I do not owe. The call was very threatening in nature, and I was told this debt was not covered under my bankruptcy. They also sent a debt collection letter to my home address dated XXXX/XXXX/XX/XX/2015 trying to collect the same debt.
On XXXX XXXX, XXXX, I requested that a check be issued to the order of XXXX XXXX, through my bank 's online bill payment system, in the amount of {$3700.00}, The bank duly issued check number XXXX. After three weeks XXXX XXXX informed me that she had not received the check. Upon investigation, I learned that the check had cleared the bank, but the payee line had been crudely amended to add the phrase " or XXXX XXXX ''. I reported this to the bank on XXXX XXXX, XXXX. Subsequently, XXXX XXXX submitted an affidavit to the banks stating that she had nor received nor cashed the check in question. The bank acknowledges receipt of this affidavit. In the intervening months, I have been in contact with the bank on a monthly basis with respect to this matter, each time requesting that the money be returned to my account. The bank 's customer service personnel repeatedly tell me that the matter is under investigation and that they can not / will not refund the money to me until their investigation has been completed. The bank 's customer service personnel will no longer return my calls. On XXXX XXXX, XXXX, I wrote to XXXX XXXX XXXX, the bank 's President and COO, reporting on this problem and requesting that he have it resolved. I have not had the courtesy of a reply.
I returned equipment to XXXX,, after waiting 2 months for them to send me a returnable shipping container. I finally got tired of waiting and returned it to the local store in XXXX, XXXX. I got a receipt for the returned equipment, showing a XXXX balance, that was in XXXX XXXX. I have been receiving monthly bills asking for the equipment or money. I have talked to XXXX at least 6 times and as late as XXXX XXXX. I received a call from XXXX XXXX, ( XXXX ) a debt collector from Central Credit Services, out of XXXX XXXX, XXXX. I told XXXX XXXX there was a mistake and I did n't owe anything. I told him that I have a receipt for what the item returned. I told him him I would find it and mail him a copy of the receipt, which I did the next day. I also sent a copy to XXXX. I asked that they stop bothering me when I sent them a copy of the receipt and a letter of apology. I got neither, because now I received amother letter asking for payment.
In XX/XX/XXXX, I borrowed {$10000.00} to complete my XXXX XXXX degree. I have been paying what I can afford, in some cases more than I can afford, and applying additional payments to drop my principal amount owed for the past 9 years ( total amount of payments : {$8800.00} ). To date, my current balance with Navient is {$9900.00}, less than {$300.00} from what I originally borrowed, despite my thousands of dollars in payments and additional payments towards principal over the past 9 years. I believe Navient has been applying my payments and additional payments to interest rates and future interest rates ( rather than to my principal ) without my knowledge in order to keep me indebted to them for decades. Please find below a list of transactions over the most recent year. My monthly payment is due on the XXXX each month, yet I made additional payments. My regular payments consist of {$12.00} going to principal with {$50.00} go to interest. My interest rate is only 6.550 %. Also, instead of applying my additional payments to principal, Navient applied portions to future interest payments. Date Description Principal Interest Fees Total XX/XX/XXXX PAYMENT ( {$65.00} ) ( {$53.00} ) {$0.00} ( {$110.00} ) XX/XX/XXXX PAYMENT ( {$11.00} ) ( {$55.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$24.00} ) ( {$43.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$89.00} ) ( {$10.00} ) {$0.00} ( {$100.00} ) XX/XX/XXXX PAYMENT ( {$14.00} ) ( {$53.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$63.00} ) ( {$3.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$21.00} ) ( {$45.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$60.00} ) ( {$5.00} ) {$0.00} ( {$66.00} ) XX/XX/XXXX PAYMENT ( {$10.00} ) ( {$57.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$10.00} ) ( {$57.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$11.00} ) ( {$55.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$9.00} ) ( {$57.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$21.00} ) ( {$46.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$60.00} ) ( {$9.00} ) {$0.00} ( {$70.00} ) XX/XX/XXXX PAYMENT ( {$26.00} ) ( {$41.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$53.00} ) ( {$16.00} ) {$0.00} ( {$70.00} ) XX/XX/XXXX PAYMENT ( {$56.00} ) ( {$11.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$200.00} ) ( {$48.00} ) {$0.00} ( {$250.00} ) XX/XX/XXXX PAYMENT ( {$9.00} ) ( {$58.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$7.00} ) ( {$60.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$9.00} ) ( {$58.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$7.00} ) ( {$60.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$13.00} ) ( {$54.00} ) {$0.00} ( {$67.00} )
XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX, XXXX, VA XXXX This attorney has served me a warrant in debt with Discover Bank. I have not been given an opportunity to dispute, request verification, or settle if it is in fact owed. I do travel XXXX and work out of state and I use my parents home as my tax address. Upon contacting my mother, I have been made aware Discover Bank has harassed my parents home as well which I do not reside calling every 30 minutes daily for a period of time. I will be obtaining records of these phone call attempts made which is harassment under the FDCPA. I intend to countersue both the attorney and Discover Bank for violations under the FDCPA and damages for having to arrange to come home to appear in court while working as a travel nurse out of state if this case is not dismissed.
On XXXX XXXX, 2017, I received a letter from Brock & Scott , PLLC stating that my debts with XXXX XXXX XXXX XXXX are now settled. When I paid these balances with Brock & Scott , PLLC, XXXX would only settle at 80 % on my two loans which equaled {$1000.00} and {$1800.00} respectively. I am still getting hit with delinquencies on both of these accounts on my credit report for XX/XX/XXXX and for XX/XX/XXXX. It takes the act of Congress to even get through to them and when I actually spoke to a person last week, she stated it would take seven days to research and I would have to call back to even receive a response.
I began the process of saving our home under the under the Home Affordable Modification Program in XXXX, which by the way save our home and I am very grateful to our government for making this happen. The issue is that I have suffered a devastating impact that is now impacting our small business. Unknown to me at the time, my payments under the trail period would be held and I would have a 90 day late reported on my credit report. I sent a letter to Wells Fargo on XXXX XXXX, XXXX to request the 90-day late XXXX XXXX be removed. I included all the supporting documentation to demonstrate that I had paid my payments on time as instructed by the bank. In addition that I successfully was approved for the Loan Modification. XXXX XXXX, I received a phone call from Wells Fargo requesting me to send them my credit report. XXXX XXXX, I fax the information. On XXXX XXXX, I contact the bank to ensure they had received my fax. Since they had no record of my fax, I asked for a email to send the documentation to and also confirmation of receipt. XXXX XXXX, I received a letter dated XXXX XXXX, stating " Under federal government 's guideline for the Home Affordable Modification Program we are required to report when the account is past due at the beginning of the Trail Period Plan ''. I contact the person that was handling the account and stated I made the payments on time as I was instructed. XXXX XXXX, I received another letter from Wells Fargo stating that more time was required. XXXX XXXX or XXXX, I received a phone call from the person at Wells Fargo handling my request, whereby I was informed that they are unable to change this reporting on my credit report since it is mandated under the Federal Government. I asked them to provide this decision in writing. As of today, XXXX XXXX, XXXX I have not received any written correspondence.
Attached is a letter I sent to Chase Bank 's corporate offices describing our current financial situation. We have been dealing with a series of fraudulent activities and Chase Bank has neglected to handle our situation with care and attention, let alone assume any responsibility for their lack of security protocol. We requested an explanation in writing from Chase in regards to the investigation we were told was being done, and were denied in addition to being told they also denied our claim to replace the money that we have lost.
On XX/XX/XXXX I submitted correspondence by certified mail to XXXX XXXX because of suspected fraudulent activity by the bank. I have delivery confirmation from USPS that XXXX XXXX received the letter. They have refused to address my concerns by remaining silent and have continued to seek payment. I have revoked my signature on the application as a result of un-rebuttal about the matter concerning the fraud. Attached you will find an unsigned copy of the letter I submitted to XXXX XXXX on XX/XX/XXXX. Additionally I have submitted a sworn under oath, affidavit on XX/XX/XXXX, with delivery confirmation and PROOF outlining the fraud and revocation of my signature from the original application as the law permits under fraudulent acts. XXXX XXXX has continued to remain silent about addressing the bank fraud. As a result this account is null and void. Further credit reporting is in violation of the Fair Credit Reporting Act and all parties responsible being XXXX XXXX and XXXX, Equifax, XXXX, and XXXX will risk a lawsuit with the state and federal courts for damages of this illegal activity.
On XX/XX/XXXX, I filed a dispute over a collection being reported. I am an XXXX XXXX XXXX and the Serviceman 's Civil Relief Act ( SCRA ) protects me from having debt collections on my credit report. This debt, whether paid off or not, is not reportable per this guidance. I wish to have this taken off immediately. For your information, the debt just happens to be paid off so it is not necessary for me to have to speak to the collection agency at this point. Thank you for your time, XXXX XXXX.
It must be awful when a mortgage holder is behind on their payments and the debt collectors begin their calls, it is another matter when a mortgage is current with payments, and the debt collectors call! 
Such is the practice of Green Tree Servicing , LLC. In conjunction with, XXXX XXXX XXXX XXXX XXXX. 
As a subscriber to the F.T.C. e-mail alerts and messages, I am aware of the recent court case involving Green Tree Financial, LLC. Yet I feel the wolf just found another path to avoid the shepherd. 
I noticed some unusual new information on my XXXX 2015 statement from Green Tree Servicing , LLC. 
Principal : {$510.00} Interest : {$400.00} Escrow : {$0.00} Regular Monthly Payment : {$920.00} Total Fees & Charges Due : {$0.00} Optional Insurance/Other Products : {$0.00} Past Due Amount : {$0.00} Total Amount Due ( Reinstatement Amount ) : {$920.00} Accelerated Amount : Reinstatement Amount? Accelerated Amount? Default??? 
Then the calls started from XXXX XXXX XXXX, and it is just too bad I ca n't attach these voice mails " This is an important message from XXXX XXXX XXXX XXXX XXXX. this is an attempt to collect a debt any information will be used for that purpose, please return our call back to XXXX XXXX extension XXXX '', this message followed with me everywhere I went in XXXX, my cellphone, my home phone, my business phone, my mothers ' phone. I called in response to every phone call I received. As an somewhat aware consumer I left messages, " I am unaware of any outstanding debt, yet I do not as a practice will pay and or converse in any matter of this type without an invoice and or written statement of the debt, I am willing to work this matter out in the most expeditious method possible up and to the event of arbitration. '' I never would receive a call back, just messages and voicemail. 
It was n't until I received a letter dated XXXX XXXX, 2015 from Green Tree Servicing , LLC that the pieces fell into place. " During a review of your account Green Tree determined that your billing statement dated XXXX/XXXX/15 inaccurately indicated your account was in default and erroneously included a reinstatement and acceleration balance. " That is nice, now what other damages, errors, omissions falls on the hands of the individual? Pay to pull all my credit reports, and if there is a " blemish '' caused by Green Tree 's erroneous actions?
I have contact the bank and was expecting a call back when I called at 2 but never received one its past there closing hours. The wait time was XXXX hours and XXXX minutes. I have today the XX/XX/11 to pay my bill but the bank closed my account because of fraud and wont let me access my funds to pay the account until XXXX hours when they issue something that has to do with me picking up the money from a bank. I dont have any more money the only money was in my bank and if the bank cant offer me at least {$25.00} then how will I pay if they closed my account.
Open an American Express XXXX co-branding credit card last XXXX since it promised XXXX miles opening bonus when meets {$2000.00} spending requirement. Unfortunately i never received account opening bonus even i met the spending requirement. 

I have been talking to American Express customer service in the past several months and the issue still could not be resolved.