WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Sir or Madam, Ally bank is stating I owe them {$330.00}. They are claiming that XXXX XXXX  withdrew money from them that they never received. The transaction happened through a 3rd party service called XXXX XXXX. XXXX XXXX will not speak to to me only to XXXX XXXX. I spoke to 3 different representatives from XXXX XXXX who claimed I do not owe ally bank any money. 1st XXXX Representative : 2nd : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA. XXXX XXXX PA XXXX XXXX XXXX Also XXXX from XXXX XXXX # said to use code XXXX for the case. I 've been corresponding with XXXX XXXX from ally Bank her address : XXXX XXXX XXXX XXXX MI XXXX tel # XXXX FIle # XXXX Below is a letter I sent to ally bank which list all the events. I ca n't get the bank representatives to talk to one another. <P/>Ally XXXX. XXXX XXXX XXXX, MN, XXXX RE : Acct. # XXXX Dear Sir or Madam, Below is a chronological order of facts in reference to above account. <P/>XXXX XXXX Leased a car through ally bank. XXXX XXXX, XXXX Returned car. Leased ended. XXXX XXXX, XXXX Received Satisfactory letter from ally bank. Account paid in full. XXXX XXXX, XXXX Paid ally bank electronically {$330.00} by mistake through XXXX XXXX. I had no account with ally bank. XXXX XXXX Called ally to have money returned. They said they had no record of it. XXXX XXXX Called XXXX XXXX to get record of it. They said to call ally back. XXXX XXXX Called ally back still no record of it. XXXX XXXX, XXXX Had XXXX XXXX pull payment of XXXX out of ally bank. XXXX XXXX, XXXX Received letter from ally Bank stating they had not received final payment. I called ally bank and explained to them what happen. They claimed they would close out file. XXXX XXXX, XXXX Received a letter from XXXX XXXX XXXX XXXX. Also I received phone calls from them. I spoke to XXXX XXXX and explained what happen then mailed him a copy of Satisfactory letter. I also tried to call ally Bank but they keep transferring the calls to XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX Received phone calls, letter and an email from XXXX XXXX XXXX claiming I owed XXXX to ally Bank. Sent Satisfactory letter to XXXX. XXXX XXXX, XXXX Sent request to XXXX for validation of debt. Sent Satisfactory Letter to XXXX. XXXX XXXX, XXXX Received letter from XXXX XXXX XXXX claiming I owed XXXX. Sent Satisfactory letter to XXXX XXXX XXXX. XXXX XXXX XXXX Received letter from ally Bank claiming I owe XXXX. Called XXXX/XXXX/XXXX spoke to XXXX at ext. XXXX explained all to him and he said to call back XXXX/XXXX/XXXX. I tried to call a couple of times and after long hold periods I hung up. <P/>This matter has been going on to long not to mention the harassment from Collection agencies. I ask for a respond to this letter within 15 days. You should also notice the car payment with ally Bank was approximately {$250.00} not XXXX.
Conn 's Credit Corporation refuses to honor contract they wrote and entered into with me on XXXX XXXX, XXXX. I have made all required payments under this contract with Conn 's as agreed. However, the company is causing harm to me by repeatedly reporting my account as past due to the credit bureaus, threatening legal action, and refusing to honor my requests for a full accounting of all payments I have made to them since the establishment of this new contract. I have made all payments using cashier 's checks or money orders and I sent the payments via USPS with tracking numbers, so I could verify receipt of the payments. I have already written the company twice regarding this situation ( XXXX XXXX & XXXX XXXX ) asking them to update my account with them and correct their credit reporting. When I initiated a online dispute with XXXX earlier this year, stating that the account number about which Conn 's is reporting is a closed/invalid account, they upheld the fraudulent reporting by Conn 's. I am sending another letter today to Conn 's and all XXXX credit bureaus to request the correction of this information immediately. I received XXXX letters from local attorneys in XXXX offering to represent me in a civil lawsuit allegedly filed by Conn 's. The letters indicated that Conn 's filed a civil lawsuit in the XXXX XXXX XXXX Court of XXXX County, Texas on XXXX XXXX, XXXX. To date, I have not been served by Conn 's or received any official notification of this lawsuit and it appears the filing was a threat or scare tactic to harass and intimidate me. The entire matter has taken a toll on me personally, financially, and professionally. Despite my efforts to pay my debts in a timely manner, my credit scores have fallen to a point that makes it difficult for me to refinance current debt, provided greater financial assistance to my family, seek greater professional employment, and Conn 's refusal to provide the account information I have requested has caused levels of stress that are affecting me physically as well. I have maintained records of my payments and copies of the correspondence sent to Conn 's.
Wrongful unauthorized account collections and inquiries for over 10 years and recent unauthorize credit inquiries and collections. 
I have been disputing for many years such as XXXX XXXX XXXX XXXX and negatives reportings. 
But Equifax XXXX allows companies to cement back permanently on my credit report and damaging opportunity to get credit approval for my daughters college funds support through a loan lender for their education. 
I can not prosper in life with bad credit. 
I am on XXXX and on Permanent XXXX Lifetime and Retired as of XXXX XXXX. 
I retired from XXXX XXXX XXXX XXXX XXXX of employment XXXX till XXXX on Permanent XXXX Lifetime. 
Please remove California XXXX XXXX XXXX XXXX XXXX XXXX employer.that 's incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a non profit organization.and no pay. 
Credit report of collections will be sent by email to Consumer Finance Agency by my email XXXXXXXXXXXX Government Investigations can pull my credit for verification of evidence of collections and inquiries and negatives on my credit report. 
Urgent matters.
I disputed this account several times with XXXX XXXX and With Equifax, XXXX, XXXX I Have a complaint thru CFPB cause XXXX XXXX will not respond to me but the did responded to the CFPB with : Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/XXXX The company responded that they are not the appropriate company to address your issue. 

The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information. 

I went off information in my credit report by Equifax, XXXX, XXXX Equifax, XXXX, XXXX claims they validated this account so i am DEMANDING by law they provided me with all documents that has my signature they have received to validate this account and to whom they spoke with, and the address and number to whom they spoke or sent dispute to, that the information they are reportin is inaccurate cause the CFPB could not get the right bank either, So at this time if this does not resolve the issues then as of XX/XX/XXXX I AM filing suit in XXXX XXXX, ok and will request for all supporting documents to be produced or pay for inaccurate reporting and i wont settle the courts can make the decision on this matter. AND I DO BELIEVE EQUIFAX IS ACTING IN BAD FAITH TO PROFIT FROM THIS TRADELINE. 
THIS IS MY FINAL NOTICE TO EQUIFAX AND THERE RESPONSE WILL BE USE IN COURT.
My account was in forbeatance but my credit report for that time period shows late payments I tried co texting the loan provider to get it fixed and they said they dont correct information with credit reporting agency. I tre IED credit reporting agencies and they didnt change it either
I have made on time payments since XX/XX/XXXX to pay off my loan. Original balance of {$8500.00}. Current Balance of {$17000.00}. Payoff amount at the end of my payment period in XX/XX/XXXX approx {$55000.00}. How is it possible for me to owe that much when I have made on time payments monthly for this long? I have called and written letters to Navient and they are not willing to settle for anything less than the pay off amount. They recommend I continue to make on time payments which in the long run will amount to approximately {$55000.00}. I would like to settle on an amount less than what is owed and pay it off in one payment. Please help me. Navient claims they do not settle. They said they could offer me a {$200.00} discount now to pay off in full.
On or about XXXX XXXX, XXXX, I tried, on line, to open a joint savings account with XXXX XXXX, a bank I have done business with for 21 years. XXXX rejected the new account based on " information contained in a credit report ''. They referenced XXXX, Experian and XXXX. 
There are no problems shown in the XXXX or Experian reports for my wife or I. 
I did not get a " notice of rejection '' from XXXX. 
My wife did get a " notice of rejection '' from XXXX. Because of this we got a report from XXXX, in my wifes name, they indicate no problems. 
Some where out there is a blemish on either my wife or myself and since no one will tell us what the problem is, we can not fix it. 
I have talk to two people at XXXX on seperate occasions, they both stated the rejection was because of information contained in a credit report.
There was an error with this account online. I paid it once I realized what was going on. I think there was an error with my auto pay. There should have never been a late payment with this account. There is a 30 days late payment with XX/XX/2016, there should have never been a late payment.
My first contact with TransWorld Systems was in XX/XX/XXXX when they called my XXXX year old mother in NY state while I happened to be visiting. I live in XXXX  OR and there is no reason why they should even have this phone number. I would never give it out, its not where I can be reached, and I shudder to think to what extent they violated my privacy and personal background to get it. I was told they got it from the creditor which is a flat out lie.

I gave them a payment of {$95.00} which cleared my bank on XX/XX/XXXX. The creditor, XXXX XXXX XXXX XXXX in XXXX OR, as of XX/XX/XXXX has not received this, and at this point I dont know if they ever will. I called the TransWorld number on their paperwork and the call could not be completed while my cell phone displayed it as FRAUD. I got an Oregon number for them from the creditor, and the person who answered claimed this was not the right dept. and gave me the same number that I previously called. In other words, I have no way to even contact these people.I am increasing nervous that a shady company like this has my bank information and i certainly dont want them using phone numbers they should have no access to.
after using my wells fargo credit card, with no missing payments since XX/XX/2011. i am shook at the fact that it never got its graduation to a non money backup credit card. Now because of them placing a what they call a usual verification on a {$10000.00} check from my retirement account. i wasnt able to make a payment and after explaining this to wells fargo as the reason for getting off cycle. they claimed my account was closed, by me saying it was apart of the agreement to the securely back credit line. I wasnt the one asking to close this account, but wells fargo is seeing to mark in my report that i was. Also making 2 of my payment as 30-60 days late while showing the account as closed. im upset at the fact that i got this account to help with my credit while believing in the fact it wouldve gotten a graduation to a insecure account.
my credit at XXXX, XXXX, and XXXX XXXX all had decreases in credit limit for what they say was for a change in credit score, I bought a house and I have a long history with XXXX and have always paid my balance, and I have n't even been late on any payments for the last XXXX months, never late with a payment on either of the cards. Im a new customer at XXXX and XXXX but I have never been late and paid the balance at the time of he decrease. I had not even used my XXXX card for months, then about XXXX weeks ago I go shopping and spend about half the balance, still not missing any payments, and paying a XXXX payment at the same time, but today I get a letter saying they have reduced my credit for XXXX reasons listed on letter and no specific reason was given, stop the credit card companies from reducing our credit for what they feel is a change in your credit picture although you pay on time
I enrolled in the REvised Pay as you earn program, currently the loan serviced by Navient. 

However, for 2 months even though I was in the revised pay as you earn program, Navient continued to collect payments as if I were not. 

For example, prior to Revised Pay as you earn my payment was nearly {$1100.00} per month, and after, {$350.00}. 

When I asked what happened, they said " there was an " accounting mistake '' When I asked for my money back, they asked for " a bank statement '' uploaded to their website showing that the money was paid to them. 
When I pointed out that I pay via direct deposit and clearly my bank information is with them, they said that this is there policy. 

This happened inXX/XX/XXXXXX/XX/XXXX
XX/XX/XXXX, I was the victim of an elaborate scam - wherein I was hired by a company named XXXX XXXX to complete work by cashing a casheir 's check at my bank Wells Faro, and redirecting this cash by sending a XXXX to another XXXX provider. I had no idea this was a scam, as it was a very valid looking cashiers check that would be cashed, so valid that the bank cashed XXXX of these checks. Only to later find out that this was an invalid account, a bogus cashiers check and a fraud. However, Wells Fargo held me responsible, rather than their employees for cashing and my account was debited in those amounts {$1100.00} and {$2300.00} - Which, I must add had been reported as fraud to several agencies. 
Fast forward to XX/XX/XXXX I am a struggling graduate student trying to pay for coursework, and my sister sent me a check for {$1000.00} to help. I went to Wells Fargo on Saturday XX/XX/XXXX, to cash the check upon which it was drawn, ( I might add my sister has been with Well Fargo since XX/XX/XXXX ). 
When I went in, I was approached by their personal bankers to avoid a fee to cash this check, would n't I like to open a personal checking account to avoid the fee 's I briefly explained that I do n't think i would be able to since the last problem, ans was assured that things have changed and we could try. So, I acquiesced and lo and behold I was approved to open the account, which we did and was given an instant debit card, which I used that evening. The personal banker was to be in touch on Monday, and she did never mentioning this old account. I went to use my card on XX/XX/XXXX and it would n't work. So, I went into the bank first thing XX/XX/XXXX and received another instant debit card, it still would n't work, upon return to the bank this time, I was informed they would n't be able to issue another debit card, and in fact would be freezing those assets for this old account as past due monies. Which, I never accepted or reaffirmed this debt in any way - in fact maintaining both I and Wells Fargo Bank had been victims of fraud. 
Now, Wells Faro has directed me that if I call to make a payment plan with the loss prevention team, they will THEN decide after making this payment arrangement whether to refund all, part or none of the deposited amount remaining which is {$780.00} - I feel like this is a form of extortion, and furthermore - I feel that it was very deceptive. Please also note : My sister who is on limited income due to XXXX, out of the goodness of her XXXX was loaning these monies to assist me to complete my XXXX, and really does not have this kind of money to pay an old bill of mine, nor to just chalk up to a loss. 
If there is any way in which your agency could assist me to at least get these monies back to her - it would be greatly appreciated.
We completed a modification in XXXX due to Hurricane Irma with the first payment due XX/XX/2018. I contacted the servicer Pacific union financial as the recoverable corporate advances had never been satisfied. They stated that it could take a little longer. I allowed some time but now the amount was going up. I had not been late at any time. I kept being told someone will call you. I finally got a young lady on the phone and she advised that they forgot to cover the recording fees for the mod and so they had to charge me for it now. Understandable to be charged but annoyed it was taken care of as was originally explained to me. I then explained that it started at XXXX then went to XXXX then to XXXX back down to XXXX and back up to XXXX and now reflects XXXX. I requested explanation of this as it does not make sense with what she said and requested an accounting of the charges and how funds were applied. I was told that I was disputing and to write in. I cant dispute what I don't know and need help to get this information and possible correction if needed.
Filed chp XXXX and included all loans, being harassed for payment by XXXX and XXXX. My attorney contacted them to cease and desist. They continue to harass me with emails threatening a lawsuit.
I gave a personal check to my daughter to cash, she does not have an account with Bank of America, she went to BOA in XXXX NC to cash the check. 
My daughter told me that when they were looking at my account they gave my daughter full view of my account details and she is not on my account and to make matters worse her boyfriend was there and saw my account as well. My daughter said anyone standing behind her could see my account as well on the big screen they had. This is totally a violation of my privacy of my bank information. I do n't think this type of behavior should be not addressed as identity theft is on the rise, etc and I think the bank should be fined.
FedLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685. In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be provided the opportunity to the prepay the debt AT ANY TIME. Therefore, FedLoan 's limitations are illegal. 685.211 Miscellaneous repayment provisions. ( a ) Payment application and prepayment. ( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal. ( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the a mount due, the excess amount is a prepayment. https :  XXXX  Very truly yours, /s/  XXXX   XXXX
Please be advised that we applied and were approved for loan modification by Bank of america after a year of processing. 
The documents were sent to us and the cover sheet says important to have documents back by XXXX XXXX XXXX we used XXXX to track and they were confirmed back at bank of america on XXXX XXXX XXXX we waited and aprox a week later new documents came to us that said you must re do the loan mod documents as the notary is not correct. we went again had notarized and returned by XXXX on XXXX XXXX before the due date XXXX we did not hear back and then we started to call we spoke with nice woman XXXX daily at bank of america XXXX she stated, recorded. " this happens all the time bank of america is very particular. she sent a new set of documents. they did not come. we called spoke to XXXX our single point contact he sent XXXX more packages. on XXXX XXXX XXXX we received XXXX LOAN MOD PACKAGES all at once at large mailbox we direct all large packages to go to, our regular mailing address. nothing was received at any other address. we immediately noticed that the cover sheet said docs back to them bank of america by XXXX XXXX, so this would be impossible. as it was now the XXXX of XXXX XXXX we went to branch of bank of america this time and spoke to asst to mgr XXXX his name XXXX, every fine and we should come back monday the first appt with XXXX at XXXX XXXX XXXX XXXX we did. signed. she notarized and returned docs XXXX we were then contacted by bank of america and called and spoke to XXXX XXXX she was very abrupt and said you are denied because you did not return the docs on time. she would not discuss further. we are filing this complaint as we made the XXXX payments required by bank of america for loan mod and we returned the documents as quickly as was humanly possible. we are not at fault here and we wish bank of america to honor its commitment.
I have contacted Kohl 's and the credit bureaus regarding the reporting of my accounts. When I last retrieved my credit report, I noticed that Kohl 's last reported my payment history in XX/XX/XXXX on my XXXX report and XX/XX/XXXX on my XXXX  report and XX/XX/XXXX on my  XXXX  report. I reached out to Kohl 's and they stated that the bureaus were at fault for not reporting my current, up-to-date payment history. To that end, I contacted each credit bureau and they stated that the issue was with Kohl 's. I would like for my payment history on this card to be updated on all 3 bureaus so that it reflects current and ok payments.
Hi my name is XXXX XXXX. I went to the branch were, I have my Checking Account. Had asked the associate that I needed a Cashier Check in the Amount of {$400.00} hundred to cover whatever my husband needed to get a house we supposedly we were going to rent from XXXX XXXX but she scammed us lucky for us she did n't get ahold of the other cashier checks. I Immediately called the bank and reported that I got scammed the following day went to the branch gave them a picture of the cashier bank I thought this situation was fixed but instead I checked my account on XXXX XXXX, 2017 and to my surprise the person changed the check the bank took my funds after I reported immediately that there was no keys no house this person caused us our apartment the bank manager had told me the issue was resolved they were going to put my funds back but instead they took the funds from TCF Bank
Our original loan was with Everbank, who then sold the loan to " XXXX '' and the loan is administered via " XXXX ''. <P/>
Our loan was set-up always to escrow for taxes and insurance with direct pays to the taxing authority.
<P/>
We received a " Notice of Tax Delinquency '' from the County of XXXX XXXX  for a installment payment that was not paid by our loan administrator and a penalty was also assessed. <P/> XXXX  was notified by us immediately and it has been over a week and they still can not or will not tell us when the overdue tax bill will be paid from our escrow account and that they will pay the penalty.
<P/>
They were also unwilling to send us a letter of explanation on what is going on with this after they had over 1 week to resolve this ; we are in a state of uncertainty now with other financing activities potentially at risk due to this delinquency.
Midland Funding called a relative who is not on the account the amount that I owed. I contacted Midland letting them know what they did was illegal and they have not contacted me back what options do I have?