WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and I hold account number XXXX with Ally Bank. We 've been with them for a few years now, but we no longer need the account and are trying to close it. Before we close it we need to empty it. On three occasions, we requested a transfer of the balance to our Credit Union. This occurred on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On the first two occasions, the bank reported that the transaction was refused by the Credit Union ( ACH Return ). I talked to the Credit Union and they said they had no record of any transfer ( bear in mind that we have transferred funds back and forth many times before without a problem ). This last time, there is no record showing that any transfer was initiated. None. I had sent them an email about this matter the day I initiated the transfer : " Once again I am attempting to transfer my balance, {$3.00} to my account at XXXX XXXX XXXX XXXX. I have tried this twice before. Each time you list it as ACH Returned. I have talked with XXXX XXXX and they claim to know nothing about this. As stated, I am trying again. If it does not succeed this time I will be reporting you to the Feds. GROK? '' It seems to me they are playing a game with me. 
I have today initiated yet another transfer, and this time I took a " screen shot '' so that I would have a record of having initiated it.
Fifth third bank has been calling my company paid for and provided cell phone for over a month using a computer. I have stayed on the line multiple times to let them know that they have the wrong number. Now they are calling with alive person. I think they are trying to collect from a XXXX XXXX. I told them I 'm not this person and that they have the wrong number. Their collectors will not identify themselves and will not tell me where they are calling from. This is a fdcpa violation. 

They keep calling even after I have told them wrong number XXXX
I never authorized this companies to obtain a copy of my credit report. I disputed this with company and credit bureau with no response. I want to see the application signed by me which should be on file. This violates the Fair Credit Reporting Act. These inquiries need to be removed or show me where I authorized these companies to obtain my credit report. The credit bureau 's need to remove the following inquiries : XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX   XXXX XXXX. XX/XX/XXXX I never authorized any of these companies to obtain my credit report.
I got several calls from Wells Fargo regarding a late payment - my payment was not late they received and they took the payment and applied it to my principal - I have the cancelled check - they then proceeded to say I was 31 days late and did I not know how to manage money - the women named XXXX was rude and abrasive - the issue was resolved but I was called the next day and treated the same way- IT WAS THERE ERROR and they were still calling me - I would never want anyone to be treated this way.
When I signed my loan docs with Amerisave Mortgage the contracts said : " You have the right to request that the PMI be canceled, at your option, on either of the following dates ( " the cancellation date '' ) : ( XXXX ) The date the principal balance of your loan actually reaches 80 % of the original value of the property, based solely on your actual loan payments. '' I contacted them inquiring about paying down my loan so I could attain XXXX % equity and now they sent me a letter saying I must have approx. XXXX % equity before I am allowed to cancel the $ XXXX/month PMI payment. I have called multiple times to address this and they will not comply with my loan contract.
please refer to complaint # XXXX. Chase admitted fraudulent use of my identity regarding the Amazon Visa application ; I was told in writing that the fraudulent inquiries would be removed from the XXXX CBs ; not only the inquiries were not deleted, but, there was an additional unauthorized inquiry by Chase dated  XXXX/XXXX/2017. What 's going on? Why is Chase keep doing this ; who in the credit department is using my identity. There is fraud here and needs to stop immediately and the fraudster in the credit department arrested!!!!!!!!!!!
I believe that I have a legitimate complaint against Wells Fargo Dealer Services. This problem started when I lived in the state of XXXX and right before I moved to the state of XXXX. On XX/XX/2017, I made a trade in on my former vehicle. The deal was finalized on XX/XX/2017. The payoff was requested and the transfer of vehicles that same day. The payoff from Wells Fargo Dealer Services was requested by the finance company implemented by the dealership. However, even though the transfer was finalized well within the 30-day timeline to be reported late, Wells Fargo has violated my rights under the Fair Credit Reporting Act on several levels. Most importantly, this organization has hundreds of complaints against their reporting and collection methods on the internet. The reporting shows as follows on all three respective credit bureaus : XXXX  : 30-days late XX/XX/2017, XX/XX/2017 and XX/XX/2017 XXXX  : 30-days late XX/XX/2017 and XX/XX/2017 XXXX XXXX : 30-days late XX/XX/2017 and XX/XX/2017 This reporting is absurd, as the transfer date should have been the date of wire transfer of funds releasing title to the dealership. Wells Fargo Dealer Services has gone through large measures to cause major damages to my personal credit report. The late payments need to be purged immediately and permanently. I believe that Wells Fargo Dealer Services is also in violation with their subscriber agreement with XXXX, XXXX  and XXXX XXXX respectfully. I am posting a complaint with the major credit bureaus directly. I simply cant purchase a new home with the way this particular credit trade line is reporting, and its simply a clerical error ( s ) with Wells Fargo Dealer Services being the sole responsible party. This matter needs to be addressed and corrected immediately.
I went to the Experian website to look at my " free '' credit score as advertised on television and all over the webpage. Turns out they charge you {$1.00}. I did not know that by paying the {$1.00} fee they enroll you in a monthly membership that charges {$21.00} a month. I was charged twice before receiving my credit card bill and noticing the fraudulent charge. To cancel, the company forces you to call them. I called to cancel and request a refund. They cancelled my " membership '' that I never wanted and never signed up for and refunded one charge but refused to refund the other one because " it 's their process. '' All XXXX of the call center representatives with whom I spoke refused to transfer me to someone who would solve the problem. They kept insisting on giving me an email address. Why should I have to email when " their process '' according to the website forced me to call them in the first place? On top of that, the last agent I spoke with hung up on me despite my request that he not hang up on me. I was civil but firm the entire call. There was no acceptable excuse for hanging up on me. This company is a fraud and participates in false advertising practices. I posted a complaint on their XXXX page and noticed that every post from non-employees was a complaint about this same issue. They are not up-front with their practices and trick users into paying for a service that is n't wanted.
I paid and closed my Elan Visa credit card on XX/XX/XXXX. It is a secured card and the company has not reported it closed to XXXX or XXXX, nor have they returned my {$300.00}. I called and they said even though I had paid, I would have to send a letter stating to close the account. I did that in XX/XX/XXXX and they have not returned my money nor has the credit report been updated. I have a perfect credit history with them and there is no reason not to return my security deposit.
XXXX   XXXX    some guy  XXXX   call  ask for me he said the company is going file in court so I said what are talk about h e u no  take about i go no So he told me I took a pay day loan in   XXXX   I told him I have n't been work since   XXXX   XXXX   I never apply for a loan he I was pay it back he did n't no what happen never had pay day loan so he told I to pay  XXXX   XXXX   XXXX   XXXX  pay second payment is  XXXX  plus  XXXX  he said he email document singing them if did n't they going send to jail.
I Had Noticed the Hard Inquiries that I had never authorized to Pull from creditors. 
Someone stole my information and used them XXXX  1. Sofi lending XXXX 2.  XXXX XXXX XXXX XXXX, 3.XXXX XXXX XXXX XXXX 4.XXXX  XXXX XXXX XXXX 5.XXXX XXXX XXXX XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX XXXX XXXX 8.XXXX XXXX XXXX XXXX 1.XXXX XXXX XXXX 1.XXXX XXXX and XXXX and XXXX
I set up a recurring payment on my auto loan that was set to withdraw my monthly payment from my bank account on the XXXX of each month beginning XXXX XXXX 2016. Toyota Financial began withdrawing money on XXXX XXXX 2016, which I did not authorize.
Your Home Page is emblazoned with WE 'RE ON YOU SIDE! No you 're not! Just another XXXX/Banking outrage at Wells Fargo is met with a fine. A FINE?!?! The people who perpetrate these crimes do n't give a XXXX about fines ... they do n't pay fines, the stockholders do. This is a LONG standing problem and fines will do NOTHING to stop it. You know what will? Prison time for executives. Until these low lifes go to the slammer, these outrages will continue ad infinitum. The Wells Fargo executive who oversaw the fraud retires with XXXX even though WF has a clawback policy for malfeasance ( which they have chosen not to invoke ). This is a MAJOR fail for the CPFB. If all you can do is hand out meaningless fines, you are just going though the motions of doing something useful.
Charge approximately % 2500- {$3000.00} per month on SunTrust XXXX . Typically pay in full and avoid interest advertised at 16 %. Left {$300.00} unpaid first of XXXX. XXXX statement included {$12.00} interest charge due solely to my leaving a {$300.00} balance the previous month. That is 51 % interest.

I am aware that Supreme Court decisions have rendered state usury laws unenforceable. Burying a 51 % rate in indecipherable small print is no justification for robbing consumers however.
After being approved for a credit card through BBVA for {$6000.00} i set up automatic payments through my credit union. 

A payment was scheduled to be paid on the XX/XX/XXXX. This payment was rejected. I then tried to pay the balance of the card on the XX/XX/XXXX and it was rejected again.

I had set up the automatic payments prior to the date necessary to have the payment made, and because the system did not make the payment for its own reasons, my credit limit was reduced from {$6000.00} to {$1000.00}. With an outstanding balance of {$800.00} the usage of the card went from 6 % to over 90 %, affecting my credit rating. 

Since calling BBVA 4 times now and being put on hold for 45 min plus, I have had no assistance in getting the account paid and still not been able to bring the account up to date.
XXXX refuses to remove an inquiry dated XX/XX/XXXX on my credit report on behalf of XXXX XXXX XXXX. I've contacted XXXX XXXX XXXX who apologized for the hard inquiry ( I didn't give them permission to pull my credit ) and promptly submitted an electronic request to the three credit bureaus to remove the inquiry from my credit file on XX/XX/XXXX. XXXX and XXXX removed the inquiry within 30 days, and XXXX did not. I contacted XXXX SIX times between XX/XX/XXXX, and XX/XX/XXXX, asking for an update and trying to understand why they hadn't removed the inquiry. They replied they didn't receive the information from XXXX XXXX XXXX. I promptly uploaded a copy of the letter sent to me by XXXX explaining that they would send a request to the credit bureaus to update my credit file, and have had them resubmit the request over SIX times ( every time I spoke with XXXX and they denied seeing the information ). XXXX keeps saying they don't see the information from XXXX, every time I call XXXX they pull up the dates that they've sent the request. I'm at a complete and utter loss as these two companies keep having me call each other and they keep blaming each other for as the source of the problem. This is a complete violation of my rights, and XXXX did not have the right to access my report. Please help me.
Today, I received an income execution from the XXXX County Sheriffs Department datedXX/XX/XXXX,  indicating that my wages are going to be garnished for an original debt amount of : XXXX due to XXXX XXXX XXXX with an original judgement date of : XX/XX/XXXX. <P/>It also added an additional {$5600.00} for interest, {$620.00} for XXXX, {$40.00} 1rst stage and $ {$30.00} for 2nd stage, for a total due of : {$13000.00} payable to XXXX XXXX XXXX XXXX. Not only am I unaware of what this debt is for, I do not recall being served a summons to court over 9 years ago! In addition, the interest on this debt seems exorbitant and unjustified. This item does not appear on my credit report, nor do I feel that I owe this, being that it has exceeded the 7 year collection.
I am writing to complain about Wells Fargo checking account services and have decided to close my checking account ( no joking ), because Wells Fargo is the worst bank I have ever seen in providing checking account services. 

On XX/XX/2017, I received a call from a so-called Wells Fargo banker via a mobile number XXXX, XXXX, OR. He said that he wanted to verify some personal information with me. Being in public and without me further questioning his real identity, I declined his request and wanted to schedule another time for talking on phone. However, he said that he could not even call me even if he was on the phone at that time. I think this is really ridiculous and finally we agreed that I would call him another time with his numbers. 

On XX/XX/2017, I tried to use the debit card on XXXX to send money to my friends.The transaction was unsuccessful and the instant email from Wells Fargo said that my account had been closed and delivery preferences had also been updated to the mail one. This really makes me angry because being unable to verify personal information due to inconveniences leads to account closure on the following day. I understand that a bank is not a service institution but Wells Fargo 's action is really annoying and unfriendly to its customers, which leads to my terminations on Wells Fargo 's debit card product. 

I also want to share another story. When I tried to open the Wells Fargo checking account on line, I used my XXXX credit card to fund the account for {$50.00}. The payment authorization was made in late XX/XX/XXXX. The funny thing was that the money was debited in mid XX/XX/XXXX. Being unable to verify the source of the charge with my card issuer XXXX, I reported this transaction as fraud and my Wells Fargo checking account was closed, or suspended more specifically. To solve this problem, I went to a Wells Fargo branch in XXXX, CA to verify everything, including original and hard copy of SSN card and Driver 's License, and was informed that my account online access would be restored in a moment. However, it was another funny thing that after 3-business-day wait I still could not access my account online and had to call in to get problem solved. I firmly believe it is so much hassle to deal with Wells Fargo. 

In order to avoid further hassles with Wells Fargo, I firmly request that my Wells Fargo checking account should be closed and the money on the account, around {$49.00}, should be mailed to me by a check. Like Wells Fargo can change my account delivery preference at its sole discretion, I also want to limit how Wells Fargo should reach me. I wo n't accept any calls from Wells Fargo even if I have filed the complain online with my phone number on file. Everything should be done in written format.
For the past few months, they have been calling my work, and personal phone # 's and leaving threatening messages, all of which I still have on my voicemail. They have said that they will serve me with papers if I do n't return their call within a certain amount of time. I have never spoke to them, as I know they are a fraudulent company. They call from a spoof # locally, however they leave several different numbers to call them back on. ( XXXX, etc area codes ). I just want them to stop contacting me completely, especially at work. I have sent them a cease and desist letter via the XXXX in New York. Within the letter, I demanded they stop contacting me and to send proof of this " so-called '' debt in writing to my home address via usps. They have not responded, as of this date.
Harassing calls to collect a debt, stating my son owe a debt that has already been paid. XXXX XXXX was first to call and sent a email to me on a letterhead from XXXX XXXX XXXX with the amount owed on XX/XX/2017. He called as least three other time speaking hearse and threating to send on to my door. 

On XX/XX/2017I received a call from XXXX reminding me of a call from XXXX. He then started to threaten legal action. He advice I get a lawyer. XXXX was very abrasive in tone. The conversation became so XXXX to me, I asked that not call me again. The call came from this number : XXXX Times of calls : XX/XX/2017 XXXX, XXXX, XXXX At XXXX I called him back and asked that he stop calling me. He called again on XX/XX/2017. I record the message. I told XXXX I sent a letter to the so call company asking to stop the calls. The letter came back on XX/XX/2017 undeliverable. 

XXXX XXXX, actually settled this debt/account. But this this so call other company states that me son still owes and continues to harass me by call my number trying to collect a debt.
our son ( XXXX. ) old incurred the debt and the collections company is attempting to collect from us his parents who had nothing to do whatsoever with said debt.
Sallie Mae ( XXXX ) has charged me far more interest than I agreed to when I took out the loan initially. Additionally, late fees are too high. 10 years after I graduated, my total amount owed is the same as the initial amount, even though I have paid over {$600.00} per month for 10 years.
On or about XXXX XXXX, 2016, I received a collection letter from Commonwealth Financial Systems for {$120.00} ( offering to settle for {$95.00} ). The original creditor was listed as XXXX XXXX XXXX XXXX. This is not a debt that I recognize nor do I have records of any collection attempts by XXXX XXXX. 

My credit history reflects a pattern of timely debt payments ( credit score being XXXX ). 

This collection letter concerned me and I immediately responded via phone call to Commonwealth and followed up with a letter to Commonwealth requesting documentation of verification of the debt. This response from me to Commonwealth was well within the 30 day timeframe required to dispute the debt. 

To date ( XXXX XXXX, 2016 ), Commonwealth has not responded to me with any additional information or documentation. However, they have reported the collection to credit reporting agencies. This reporting by Commonwealth has resulted in a significant drop in my credit score ( from XXXX to XXXX ). 

Commonwealth has not provided any verification of the debt despite my request for verification. I want this issue resolved in a timely manner.
In reviewing my credit report when applying for a mortgage, I noticed a debt from XXXX XXXX XXXX. Mailing address : XXXX XXXX, XXXX, Mississippi XXXX. On XX/XX/XXXX, I sent a debt validation letter to Franklin Collection Service requesting verification of the amount of the debt, the name of the creditor to whom the debt is owed, verification of the debt and proof that they are licensed to collect debts in the State of Georgia. The letter was sent via Certified Mail and I received confirmation that the correspondence was retrieved from the post office on XX/XX/XXXX. As of today 's date, I have received no response from this debt collector. This debt is listed as a {$31.00} charge which I would have certainly paid had I received notice and verification of the debt prior to it being reported to XXXX. A copy of the XX/XX/XXXX correspondence and confirmation of delivery is attached. As of today 's date, XX/XX/XXXX, I have yet to receive verification of the debt.
I attend XXXX that became XXXX school over the course of the years. While attending another school my payments were never frozen due to being in school. I was accumulating interest and my late fees were being reported late on my credit report. My school credits were n't accredited credits. I 've called Navient and was misinformed about repayments options. I 've emailed Navient to informed them that my school is closed and no longer operating
On XX/XX/2018, I contacted XXXX XXXX to discuss an account. The first representative I spoke with asked to " verify my ( sic ) phone number, '' knowing that I did not have one on file. After asking about this, the representative told me they had spoken with me about my account on several lines or numbers, revealed to be a list of 15+ numbers which I've never had. The company released my information to whomever owns these 15+ numbers! When I asked about this, the representative stated that use " skip tracing '' to acquire numbers, but that can't be factual information as the numbers were in no way associated with me directly. They did, however, confirm that they had called a sibling and a parent through giving me numbers to my sibling and parent. Nice!
Caliber Home Loan, has violated the law by failing to provide XX/XX/2015, mortgage statement. I have ask for XX/XX/2015 mortgage statement, on multiple occasions. I have also ask why your company why it has failed to provide the statement for XX/XX/2015, with no response, thus far. Will you please provide statement for XX/XX/2015? 
If you can not provide statement for XX/XX/2015, I ask that you immediately cease foreclosure proceedings, and fixed all errors, in accordance with law. 
Your companies arrogance, and blatant violation of rules, set forth by agencies of the US government are troublesome. 
Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.
I borrowed XXXX in XX/XX/2018. I agreed to pay {$130.00} every 2 weeks with the understanding that my last payment would be XX/XX/2018 would be my last payment. They claim I missed a payment, but the fact is when I set up this loan they didn't tell me I couldnt use a prepaid debit card. Now they want to charge me 399 % for a missed payment. Which means I have to continue paying until XX/XX/2018. Also they are telling me they no longer service my state ( Maryland ). If I want to pay the loan off it would cost XXXX. They said the interest is compounded daily.
XXXX XXXXXXXX XXXX XXXX XXXX, UTILITIES, UNNAMED APARTMENT COMPLEX WITH FRAUD ADDRESS, FRAUD ADDRESS IN XXXX, TX
I have had this AVANT account since XX/XX/XXXX. The terms have changed several times and out of XXXX paid, only XXXX has beeb paid towards interest. 

I made a settlement with AVANT and paid it XX/XX/XXXX. i paid {$500.00} to settle the account. I received a settlement confirmation and close of account letter from AVANT. I am still receiving statements and bills from AVANT.
This bank of america card is over 10 years old and i have paid many thousands of dollars more than I have charged on this card. The interest rate is also very high.