WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased my XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX in XX/XX/XXXX. {$1000.00} deposit was placed to purchase the vehicle. Received a loan with XXXX XXXX at 19 % interest rate for 60 months. For a principal balance of about {$17000.00} with a monthly payment of {$470.00}. In XXXX of XXXX I was injured. I was out of work for 4 yrs.Due to this fact I went through some financial setback. Made payments during this time but payments were late or I couldnt pay. I contacted XXXX XXXX 4 times during the 4 yrs and payments was placed on the back of the loan. This extended my loan another year. Around the end of XX/XX/XXXX my car was repossessed by XXXX XXXX. I made a payment to them on XX/XX/XXXX {$2800.00} and got my car. Ive been making payments ever since. Never got any notification my loan was being switched. 
Until I got a notice from Santander Consumer USA demanding payment, in XX/XX/XXXX. Made a call in XX/XX/XXXX to get a payoff and was told I owed {$13000.00}. I asked how could this be? My loan is due to mature by the end of the year. Thats when I found out my interest rate was now 21 % and that my loan had not decreased much since paying it. Got a copy of my report during that time and discovered my loan had been charged off, since XX/XX/XXXX. During this time Ive been making payments up until XX/XX/XXXX. Called Santander they said it wont hurt me they have it documented Im making payments. I said not so because my payoff amount is not reflecting my payments. At that time I told them Im not making no more payments. My loan should be almost paid off and its not.
On XXXX XXXX XXXX, I tried to make an {$850.00} cash deposit into the Citibank personal checking account of one of my Contractors. The funds were to be used for business expenses he is incurring for a tour he is currently conducting on our XXXX 's behalf. These were destined as expenses, and not for salary, and were required immediately into his account. As I did not have an account with Citibank, bank protocol requires the following information for any deposit into a Citibank account XXXX personal or business ) when the depositor is not an account holder : a ) phone number, b XXXX full social security number and c ) occupation/title. I did not want to provide my social security number, I instead offered my Real ID driver 's license, and the company EIN number as I was making this payment on the company 's behalf. They refused to take my money. I then watched other transactions take place at the counter, and soon realized that no matter the amount, if a person was making a deposit into the bank, and was not an account holder, they required the same information, It occurred to someone making a {$5.00}, {$20.00} or higher amount deposit. 

I am fully aware of banking regulations regarding money laundering, however, this appears to be a larger issue. The bank is compiling information about people ( including their occupation, which is a strange request ) on a widespread level. I contacted the main telephone number and was informed that was the protocol. 

That this information is required for more important activity such as to cash Citibank checks for those who do not have accounts, or for any suspicious fund deposits, or even for funds deposited in cash over $ XXXX or $ XXXX is understandable, but to collect on a wholesale level all personal data of any person, making any amount deposit and who is not an account - whether it is {$5.00} or {$850.00} is very concerning. My complaint is that I believe this information is being stored for use for other purposes without my permission. I would appreciate your enquiring with the bank as to what is the exact use of the information, how long the personal data is withheld, how it is destroyed, do other entities have access to this information while in it is stored XXXX third parties of any kind including their own internal products department ) and what security measures are taken to keep this information safe. At the time of the deposit, there is no written information provided to customers why they are collecting this information, and no signatures are requested by the depositors. The clerk simply hands over a small slip of paper and demands the information, and then spends an inordinate amount of time inputting all the information into the system. I have kept this piece of paper ( attached ) because I never handed it back to the teller. 

Note that for check deposits, this information is NOT requested. 

I ultimately went to my own bank, had a cashier 's check drawn up and deposited the funds required as a check into the Contractor 's account. This incurred a 24 hour delay in receipt of the funds.
I received a call to my cell phone, a number I have had for XXXX+ years. The company looking to collect debt, ( XXXX XXXX @ XXXX ext XXXX ) wanted information about someone named " XXXX '' at my number. This seemed nothing but a phishing scam ... am I wrong?
Four charges were charged to my debit card all on the same day XX/XX/2018 to a XXXX XXXX XXXX. 
1st Terminal XXXX XXXX XXXX  # XXXX XXXX amount XXXX 2nd Terminal XXXX XXXX XXXX # XXXX XXXX amount XXXX 3rd Terminal XXXX XXXX XXXX # XXXX FL amount XXXX 4th Terminal XXXX XXXX XXXX # XXXX FL amount XXXX TOTAL XXXX Who ever stole my card number I want my money back! NOW! Yes I will file charges. Reported to bank, XXXX, XXXX, Identity Theft.gov.
About 6 month ago I applied for a secured Credit Card with Wells Fargo since I bank there for the last 4 years. I was approved and deposited {$300.00} into the card. Since I have a XXXX my mother is helping me with my monthly payments. 

On XX/XX/2016 I made a transfer in the amount of {$45.00} from my checking account into the the secured credit card and got charged a {$35.00} Overdraft Transfer fee. 

On XX/XX/2016 my mother made a {$43.00} deposit into my checking account through the ATM, which was posted to my account on XXXX. That means the bank was working with my money for 4 days before they transfered it into my checking account, which resulted for me to have a negative amount of {$0.00} cents on my secured credit card, since I was unable to make a transfer deposit. 

On XX/XX/2016 I was finally able to transfer {$0.00} cents into my securedt credit card after the bank deposited the {$43.00} my mother deposited into the ATM on XX/XX/2016. For the transfer of the XXXX cents I received another {$35.00} fee. 

My account is now overdrawn by {$71.00}. On top of that the bank charged me another {$10.00} annual fee on my secured credit card, that means my card is now overdrawn by {$11.00} which probably result in another {$35.00} fee on the next day. I was not aware of an annual fee and the bank never informed me before debiting my secured credit card. 

Since I am on XXXX my Social Security payment comes into my account always on the XXXX of each month. With now {$82.00} in minus on both accounts together I am not able to pay my utility bills. It also means that the bank is now reporting an over the limit to the XXXX credit bureaus on my secured credit card.
I am disputing American Express ' presentation of three auto-payments that were not authorized by me, and were not applied to my American Express account ( in the total amount of {XXXX} ). I did not notice the fraudulent withdrawals until early XXXX as my husband was in and out of the hospital for many weeks. I contacted American Express help desk and was told that American Express could n't help because the bank was the one that authorized the payments. I then contacted XXXX XXXX, and they did review the transactions, but they explained that payments are made to American Express based upon the information American Express provides. 
Attached is a print-out of my account showing all withdrawals made by American Express. 
In addition to withdrawing unapproved funds, the withdrawals were not credited to my American Express account. 
Attached are copies of my American Express account covering the fraudulent withdrawals which show that the withdrawn funds were not credited to my account.
This is past the statute and should NOT be listed on my personal credit file Equifax XXXX XXXX XXXX # XXXX please remove
Equifax shows I have a hard inquiry from XXXX on my credit report on XXXX/XXXX/2016. I did not authorize a hard inquiry during this time.
Corrective actions were not completed relative to previous Complaint # XXXX. 
Ditech continues the following : ( 1 ) not post payments upon receipt on or before funds are credited to the payee, ( 2 ) continues sending monthly statements indicating three payments delinquent, ( 3 ) did not reimburse late fees charged for payments received on time, and credited to DItech, ( 4 ) did not correct/update credit reports to correct false info reported throughout XX/XX/2018, ( 5 ) did not provide a response/clarify why {$15.00} were charged for XXXX XXXX XXXX, ( 6 ) refusal to provide the information required to set up payments by a monthly payroll allotment ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX,  that was requested on numerous occasions in 2018 ), ( 7 ) Last  Statement dated XX/XX/2018 due XX/XX/XXXX stated {$4000.00} were delinquent for XX/XX/XXXX thru XX/XX/XXXX ( False Information ). FACTS :XX/XX/XXXX- Credited to Payee XX/XX/2018, XX/XX/XXXX- Credited to Payee XX/XX/2018 and an additional payment credited XX/XX/2018, and XX/XX/XXXX- Credited to Payee XX/XX/2018.
I applied and was preapproved for a loan online XXXX/XXXX/16 with RoadLoans.com ( Santander Consumer USA ). The loan had a 10.70 % interest rate, with a finance charge of {$13000.00}, to finance {$38000.00}, with a for a maximum loan of {$52000.00}. This is a XXXX % Loan to Value ratio. The dealer associated with this preapproval was XXXX XXXX. My credit score is XXXX, not bad, not great, but I believe just above sub-prime. I later scheduled an appointment with a dealer named XXXX on XX/XX/XXXX through Roadloans.com. I never went, and did n't ask them to run a loan for me. On XXXX/XXXX/16 I received notice I had been declined for a loan by Santander and XXXX XXXX XXXX XXXX XXXX. I did n't authorize them to run a full loan for me, and in fact told Santander, which called me on at least 4 occasions, that that I was not interested and had found a better loan. I bought a car through a different dealership which offered me a 1.9 % interest rate -- dramatically different. People should know that they can get better loans than from Santander.
Hello, I would like to lodge a complaint regarding all three major credit bureau 's ( Experian, XXXX, and XXXX ). Looking over my credit reports at the beginning of this year I was worried by some of the problems on my credit report that I feel is inaccurate and false information and should not be on my credit reports. I then began investigating information on the Fair Credit Reporting Act and started sending off certified letters to each of the credit bureau 's. Each time I have requested complete proof from each of the bureau 's, all they could say was that the accounts have been verified and would remain on credit report. This is still violating Federal Law and now I seek litigation in regards to these responses and would like this handled promptly. I asked that I could see a copy or be provided a copy of the " original SIGNED consumer contract '' with my signature on it in order to be tied to those accounts. I will not take all the bureaus ' words for it and allow them to verify through the creditor 's word. 
After receiving the second letter from Experian stating that they will not re-investigate the accounts due to already being investigated once and talking to Experian over the phone and not getting anywhere in the results I am looking for, I then began looking for a way I can get this properly executed and resolve my issue. What the Bureau 's are doing is not the proper way of completing an investigation especially if I can not see proof of their investigation that shows they have obtain or seen a consumer contract with my signature on it. It is already past 30 days for all of the credit bureau 's and they have not followed the Fair Credit Reporting Act to the " T '', which includes not verified accounts needs to be removed immediately and I feel I am getting no where. Please I would like your help in following up with my complaint and get this resolved for me. I was having a very hard time trying to get into another vehicle and now I am stuck in a really high interest and high payment because what is weighing my credit down is accounts that are n't even mine that are on my credit report. Below I have attached documents or letters that I have sent to each credit bureau of everything that is unverified on my credit reports and also pictures of certified receipt 's showing the dates ( NOTE : I will submit this complaint 3 times, for each bureau, and include each separate attachments ). In the letters, the second page of each letter is a section that I have signed and have had the notary at my bank notarize the letters to show that I am who I say I am. Please review the attachments and please help me resolve my complaint promptly. Thank you. 

P.S. I was n't too sure what bullet I was suppose to choose that " describes my issue. '' So I chose what I feel this issue would fall under best.
I have disputes all the unauthorized/ fraudulent activities in my report. They are not removing the items that I dispute.
I wrote a check for {$1200.00} for my XXXX rent. My landlord usually cashes all of the checks between the XXXX and XXXX of the month. On XX/XX/XXXX I had a balance of {$2800.00} which was more than enough to cover my rent. The bank 's online app showed that same available balance {$2800.00}. 

On XX/XX/XXXX, I logged into the account and showed a very low available balance of {$800.00}, so I contacted USAA through their chat feature. I was informed that there was a {$2000.00} hold on a deposit for my account and that I would need to move money into the account to not have a check bounce ( Which I did for an available balance of {$4300.00} ). 

Later on XX/XX/XXXX I went online and saw a {$29.00} return check fee. I called their customer service department and explained that I had just learned about the {$2000.00} hold being deducted from my available balance and they agreed that this seems to be a glitch in the app that the available balance did not show correctly on XX/XX/XXXX. They explained that the return check fee does not show up till the next business day after the check is returned, so I receved no notification on XX/XX/XXXX. They returned the {$29.00} fee to me. 

My landlord, because of the bounced check, requires me to pay a fee of {$50.00}. I explained that to USAA and they said to call back once the second check was cashed so I could request a refund for the {$50.00}. 

I called the bank on XX/XX/XXXX, to request the {$50.00} refund, and USAA is now telling me that they will not and there is no appeal process or anything that I can do to get what I was originally told would be no problem. 

I then asked who they were regulated by so I could submit a complaint and the customer service rep just told me 'the government ''. When pressed further she refused to give me any information on where to go to submit a complaint about the bank. I found this complaint form by doing my own online research.
I received a call regarding a HSBU account which I have never had it has never been on my credit report nor could the company provide any account information the billing address provided I have n't lived At since  XXXX  my credit history is only 2 years old seems to be some type of collection agency prior to my   XXXX   XXXX   account started  XXXX  I have not had a credit card since   XXXX   so I 'm totally confused, I tried to dispute with   XXXX   abd  XXXX   XXXX  disputes have been pending since  XXXX  I tried emailing  XXXX  companies regarding the disputes with no reply I do n't know where else to go it says open  XX/XX/XXXX  no inquiry no payment history nothing showing it would be my account
I had fraudulent activity on my checking account for which my bank continually hit me with overdraft fees. Right around XXXX, in a moment of desperation, I signed up with CASHNET XXXX. Since my bank account went underwater, they have been sending me notices with all different amounts due on them. Every phone call I receive quotes a different balance due. I do n't know what to do.
to Whom It May Concern : Again Chase had performed a property valuation without our knowledge and consent. Chase employees had apologize for the mistake. By taking pictures of my property and performed an unnecessary appraisal Chase had invaded our privacy. This is one of the many mistakes that Chase had done and I 'm trying to solve this issue. 
At this point we are frustrated with Chase and its mortgage services. Paying our property taxes without consent and knowledge, putting in us under mortgage assistance program when we had never missed a payment and invading our privacy by taking pictures of our property are unacceptable behavior. We are demanding that Chase cancel and void the mortgage loan in benefit of us the borrowers. All the actions that Chase had taken only guide to a fraud and fraudulent case. In exchange of any lawsuit we want Chase to remove the lien against our property and provide a free and clear title of our property. We had exhausted our energy and patience against Chase and we can not permit that a financial institution abuse us the borrowers. The loan will need to be cancelled or legal actions against Chase will be proceed.
TransUnion is the only credit reporting agency reporting inaccurate information of the bureaus in this case. After disputing numerous accounts that are inaccurately being reported on my credit report, TransUnion failed to delete the inaccurate account and continue to refuse to provide me with acceptable proof of the documents used to unequivocally verify and determine the XXXX account ownership. As of now, TransUnion is in violation of federal law as the 30 days allotted have passed and the referenced account has not be sufficiently been verified. Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to " ... promptly delete all information that can not be verified '' that has been disputed.
Over the past 12 months, I have attempted to access my XXXX  credit score via the XXXX XXXX service offered to Chase customers and via XXXX However, I have been unable to access my information. I have contacted XXXX and Chase about this several times to no avail. My last communication with XXXX on the matter ended with the phone agent telling me that I can not get a credit report from XXXX because I have an ITIN instead of an SSN. However, having one of the 3 major credit bureaus NOT report my credit, severely impacts my overall credit history and opportunities with financial companies. Today ( XX/XX/2018 ) I have called XXXX 7 times and Chase once on this matter already. 



Furthermore, recently I applied for a new Chase credit card and I was offered a credit card by having my credit limit reduced on another credit card I had with them. This makes me believe that Chase can not properly obtain my credit report information from XXXX ( Chase uses XXXX ) as XXXX and XXXX XXXX have given me quite good credit cards based on FICO scores of 750+ reported by either XXXX or XXXX XXXX XXXX 

Therefore, I would like for this matter to be looked at as I believe XXXX is not properly reporting my information because I have an ITIN which is having a negative impact on my financial history.
New escrow analysis reflected inaccurate payment dates for taxes and insurance to create a larger shortage that I believe will actually exist. The new escrow amount will add another approximately {$150.00} to my monthly mortgage. If the actual dates when I pay my taxes and insurance are the same this upcoming year as they were last year, then believe it should only go up by approximately {$50.00} per month. For instance, I paid my city and county tax in 2018 in the month of XXXX. The new escrow analysis has me paying them in XXXX, artificially inflating the shortage I believe.
I have sent XXXX XXXX several letters and certified letter.I also have disputing with the credit bureaus and have complaints with cfpb concerning the false, inaccurate, re-aging account. I have ask several time to investigate. Also asking for documentation they provided when the credit bureaus contacted them about my dispute. I still have n't received anything and it still reporting negatively on my credit report. 
XXXX XXXX states in one of the letters that i have a lease entered with them on XXXX/XXXX/XXXX if so where is this lease?? Also i notice on this letter you stated i owe {$5500.00} on the repo date ( XXXX/XXXX/XXXX ). According to the credit reports i was never late or miss a payment from the date i sign the lease XXXX XXXX/XXXX/XXXX XXXX UNTIL first late payment ( XXXX ). So .... from XXXX XXXX XXXX to repo date ( XXXX/XXXX/XXXX ) i did n't make a payment ( 8 months ). If my monthly payments ( {$430.00} XXXX x 8 months = {$3500.00} and i know sum interest and maybe small fees but how did you come to {$5500.00} XXXX amount owe on repo date ). 
XXXX XXXX is reported false, inaccurate info and as a result of these blatantly reckless, wanton, and intentional infliction acts, I have suffered and continue to .suffer general and specific damages.
When l checked my XXXX  Credit Report today, l realized that ; CITI CARDS CBNA reported a hard inquiry on XX/XX/2018 which l have no idea about it.
I'm XX/XX/XXXX I tried to buy a car and was told I had an account in collection/charged off. After reviewing my report I contacted the collection agency and they told me there was an account with XXXX XXXX opened on XX/XX/XXXX that I defaulted on. I did open an account on XX/XX/XXXX with them when I consigned for my daughter 's car but did not sign anything on XX/XX/XXXX. O was actually under the care of a doctor that day and couldn't have possibly been there to agree to another account for a car. After explaining this to the collection rep, they suggested paying it anyway to get it removed. There's no way I am going to pay something not mine so I declined. I was lucky enough to get the dealer to empathize with me and get me into a car anyway however this has been making it difficult to get any financing that isn't accompanied by inflated interest! If disputed it numerous times with all credit bureaus only to have it come back verified so I requested a reinvestigation and included the signage pages from the account I signed and from the one I received from the company after request. It's very obvious it is not my signature yet they continue to report it. I am now to the point of seeking legal advice.
And XXXX University, XXXX XXXX SC. I have no faith that when I call in to a for profit making company that they are representing the facts when they tell me I am not eligible for for a government benefit that would reduce my payment or retire my loan early as they ( Navient ) would have no interest in telling the truth. This would reduce their profit and go directly against their stockholders and fiduciary duty to provide maximum return for their company ... how is this duplicity reconciled? I do n't think it is, they rip me off when I call in and ask for help.
Consumer has tried numerous times to have credit agency to remove or update inaccurate information on report referencing XXXX # XXXXAll payments and equipment was made and/or returned directly to XXXX in XXXX, Kansas therefore this account should have never been reported as derogatory on my credit report.