WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a XX/XX/XXXX XXXX on XX/XX/XXXX. The vehicle was financed with XXXX. It was a three year 0 % interest loan. I paid the loan off in XX/XX/XXXX or XX/XX/XXXX. I went to trade-in the vehicle three weeks ago and discovered that I could not locate the title. I then completed an application for title to the Texas Department of Transportation with a {$2.00} fee and received back the attached letter stating XXXX had never released the lien. I spent over an hour and a half today on the phone with XXXX and got transferred ( no exaggeration ) EIGHT times. I ended up back to the same number I was given originally ( XXXX ; the title support company whom is a third party contractor used by TD Financial ) and conferenced them with TD Financial whom had taken over the loan accounts for XXXX. TD Financial had informed me that I need to speak with mytitlesupport.com and I demanded that TD Financial stay on the line and conferenced in XXXX so I would n't be transferred again. The bottom line is that XXXX ( now TD Financial ) never sent me my lien and apparently are going to " look through their archives '' to see if they can find the lien release. If not, they will send me a " no interest '' letter stating that the " no interest '' letter will work the same a lien release letter. And to top it off, the third party contractor will only research the lien for a {$30.00} fee ( {$23.00} on line fee ) when in fact TD Financial is the company that has the actual records but they will not send me the lien release directly because the third party contractor must be paid and TD Financial will not waive or reimburse me the fee.
On  X/XX/2014  I signed a notice to vacate as well as the management of the apartment complex (   XXXX   XXXX   XXXX   ) and they agreed to break my lease with no fee as letter states. I am in the process of fixing my credit for mortgage purposes and realized that I have a broken lease fee on all  XXXX  of my credit reports so of course I disputed it and it came back verified. I contacted the creditor ( National Credit Systems ). I called sometime in   XX/XX/XXXX  as king to speak to a supervisor and was transferred to  XXXX . I advise him that I had proof that the complex agreed to break the lease with no penalty and he advised me to mail it in. I did just that and once it was delivered, I called   XXXX   back and was told that I violated my lease by giving my notice a couple weeks prior to the 60 days and they will continue to seek payment.
Notice to vacate agreed and signed on :  X/XX/2014  Dat of move out :  X/XX/2014  I was on a section 8 program (   housing authority of   XXXX   county ) and they were paying the rent, so this notice to vacate had to go through may channels before being approved considering they were paying the full monthly rent at that time.   XXXX    XXXX  was paid fo r  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  so I 'm not sure why there is a fee.
I switched hazard providers, and sent to Ditech Escrow department the balance of the escrow refund from previous provider with instructions to apply toward escrow. Ditech incorrectly applied these funds. The amount sent was {$1700.00}. Part was applied towards a payment and the rest towards escrow. This resulted in a much higher monthly payment. I called 6 times, spoke with a representative / manager and each time was told that this was recognized and corrected. It has not been corrected and when I now make my monthly payment, it ends up in an " UN-applied funds '' account. This has made me delinquent and causing negative credit reporting. No one has been able to correct my account, included manages that have promised my confirmation call or email to verify the correction of the misapplied funds. 
HELP!
I applied for a XXXX XXXX credit card through Synchrony Bank for {$35000.00} and was charged {$33000.00} for " project management and labor '' that a XXXX 's employee signed on my behalf without my authorization. I have a copy of the receipt. XXXX 's executive team has been contacted numerous times over the past four months requesting an accounting for the charge despite the fact that their employee 's may have violated the Fair Credit Reporting Act, The Equal Credit Opportunity Act, the Fair Debt Collection Practices Act and Electronic Fund Transfer Act. I am prepared to provide evidence of the this claim to CFPB, the FDIC and the Federal Reserve Bank. I have reported this claim to Synchrony Bank and XXXX 's as well as the three major credit bureaus. I am requesting all interest charges for the referenced account be reversed and credit to my account as well as all principal paid until the dispute is resolved. Going forward I will play all monthly payment in an escrow account until the dispute is resolved.
I found a collection record in my credit report for {$35.00} without any notices from XXXX XXXX XXXX in XXXX XXXX 2014. They said the only way to remove it from my report is to pay if off. I paid it off but it 's still show in my record.
In XX/XX/2019, I received an email regarding my Wells Fargo credit card that my records have been changed to reflect an address change. The email went on to say that if I had not requested an address change to contact them immediately. 
I did so and the first representative, obviously in training, responded in a very cheery voice that he would look at my account. I stopped him and politely told him this matter was not a cheery event and to please not read from a script but to listen to my situation which I considered serious. After a long time on hold, the rep came back and explained that they received a notice from the post office of an address change. I explained that I have lived at my house for 18 years and my mortgage is with Wells Fargo as well. It seemed that he didn't know how to respond to what I just said and he repeated himself by saying when they get notice from the USPS, they must change the address. I asked for a supervisor and once she got my information and situation, she also gave me the same explanation of why my credit card address was changed. I was appalled that Wells Fargo would train employees to do a change of address with so little confirmation from the actual customer! 
In this time of protecting against fraud and identity theft, Wells Fargo using a notice from the USPS to change the address from a credit card account without verifying first is inexcusable! 
This is exactly why customers must be vigilant!!! I can not believe this happened. I am very upset. This is absolutely careless of Wells Fargo. I am responsible in keeping my credit in good standing and for Wells Fargo to have jeopardized this is outrageous!
On or about XX/XX/XXXX I was notified by our Mortgage lender, XXXX XXXX  that they did not receive our payment for XX/XX/XXXX. I immediately faxed customer care the copy of the cashed check in the amount of XXXX. On XX/XX/XXXX, I received another letter asking for a payment of XXXX. They stated they did not receive my fax or payment for XX/XX/XXXX as well and are now charging me a late fee of XXXX. I proceeded to fax them proof of XX/XX/XXXXand XX/XX/XXXX payment. This time they told me they only got the first cover page of the fax. On my end I show that all pages of the fax were received. I have called customer service at least ten times, e-mailed three times and sent information certified letter to two different locations which they signed for. For some reason I discovered that the account number had gotten switched back to an old account number I had with XXXX XXXX   when XXXX acquired my loan. I do not know how this happened but I relayed this information to them. They acknowledged they got this information and proof of payment but continue to send me letters with threats of foreclosure and reporting me to the credit bureau. I got into my credit report today and found that XXXX XXXX has now placed a negative mark on our spotless credit report. I will also be filing a dispute regarding this matter. I am helpless and unable to get this resolve while they damage my credit and threaten to foreclose on our home. It is time to make XX/XX/XXXX mortgage payment and I am frightened they will loose this one as well.
In XXXX, 2018, I disputed a 30 day mortgage late inaccurately reported on all 3 credit reporting. The dispute resulted in the deletion of the 30 day late by all 3 credit reporting agencies. 

On XXXX XXXX the 30 day late was reinserted into my credit file by Trans Union only. From that date until XX/XX/XXXX, I was never informed in writing by the mortgage provider ( XXXX XXXX XXXX ) or the credit reporting agency of the reinsertion. On XX/XX/2018 I informed Trans Union of the reinsertion and subsequent non-notification. Trans Union subsequently removed the 30 day late for the 2nd time. 

On XX/XX/2018, Trans Union AGAIN reinserted the 30 day late into my credit file. On XX/XX/2018 I have not been informed in writing of the reinsertion by XXXX  XXXX XXXX XXXX Trans Union.
I tried to cash a check written to me by my husband from his Bank of America checking account. The account had enough money to cover the check to me and the funds were available at the time I tried to cash the check. I asked for the money to be in the form of a cashiers check. BOA refused to cash the check because I do not have a BOA account ; they would not put it in the form of a cashiers check because I do not have an account. The check was for {$27000.00}. They also claimed they did n't have the funds on hand to complete the transaction. This is a very busy branch located at XXXX XXXX XXXX in XXXX MA. I had the check, I had identification and my husband who was traveling for business went to a BOA branch in the state he was in to have their manager call the XXXX manager. They still would not honor the check. After XXXX minutes I left to go back to work and I was out of patience anyway. My husband continued to discuss the matter with the manager of the out of state office and finally the XXXX manager said they would give me a cashiers check if I came back. I could not leave work again to make it back before they closed and I had no desire to deal with them again anyway.
5/3 Express Banking - {$500000.00} Available Account Summary Ledger Balance : - {$16.00} Recent Activity View by Statement Keyword Search XX/XX/XXXX XXXX Withdrawal - XXXX XXXX XXXX XXXX XXXX XXXX Fl On XX/XX/XXXX From Card # : XXXX - {$40.00} XX/XX/XXXX Debit Card Purchase At XXXX XXXX, XXXX, Fl On XX/XX/XXXX From Card # : XXXX - {$33.00} XX/XX/XXXX Merchant Payment - XXXX XXXX # XXXX XXXX Fl On XX/XX/XXXX From Card # : XXXX - {$30.00} XX/XX/XXXX MERCHANT PAYMENT - XXXX XXXX XXXX- XXXX XXXX XXXX XXXX FL ON XX/XX/XXXX FROM CARD # : XXXX - {$29.00} XX/XX/XXXX DEBIT CARD PURCHASE AT XXXX XXXX XXXX, XXXX, FL ON XX/XX/XXXX FROM CARD # : XXXX - {$22.00} XX/XX/XXXX XXXX Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl On XX/XX/XXXX From Card # : XXXX - {$20.00} XX/XX/XXXX DEBIT CARD PURCHASE AT for XXXX XXXX , XXXX, CA ON XX/XX/XXXX FROM CARD # : XXXX - {$13.00} XX/XX/XXXX Debit Card Purchase At XXXX XXXX 's XXXX, XXXX, Fl On XX/XX/XXXX From Card # : XXXX - {$11.00} XX/XX/XXXX Debit Card Purchase At XXXX XXXX XXXX , XXXX, Fl On XXXX From Card # : XXXX - {$10.00} XX/XX/XXXX MERCHANT PAYMENT XXXX XXXX # - XXXX XXXX XXXX XXXX XXXX XXXX FL ON XX/XX/XXXX FROM CARD # : XXXX - {$9.00}
Recently, I received a call from Portfolio Recovery Associates for  debts from 10 years ago. Calls happen 5 to 8 times per month.
I have been charged {$61.00} in overdraft fees for a {$6.00} transaction that occurred while my account balance was {$25.00}. I transferred the funds into my account and waited for the website to indicate the funds were available before I made the {$6.00} transaction. The website did not indicate the funds were pending but that they were currently available. Furthermore, I specifically requested at the time I opened the account that any transactions not covered by available funds be denied. I was assured by the bank representative this would be the case. I feel I have been mislead and literally robbed of my hard-earned money.
Asset recovery calling saying i am under an investigation and the gentleman is a special investigator. They do not give what company or debt this is. They call and harrass my XXXX year old mother and call my job
My loans, for studies at XXXX XXXX XXXX, entered the repayment period 3 months ago, however, I am unable to make the payments. I notified Navient through their Customer Advocacy division ( XXXX ) and they are well aware of my difficulties, having submitted to them a full financial worksheet detailing my inability to make payments on private loans. I gave them this information 7 months ago so that we could work out a payment plan that would prevent me from missing payments. 

Despite knowing of these issues well before my students loans entered their repayment period, I have not received a payment plan adjusted for my income and costs of living. In the last 3 months, I have sent multiple e-mails to Navient but have not received offers of alternate payment options. In the meantime, my credit is suffering since I am unable to make the requested payments ( of XXXX $ /month ). 

My complaint is simple : I am displeased with their failure to communicate within a reasonable time frame. For every XXXX I send to Navient over a 2 week period, I receive only 1 message in return, despite the urgency. That is, while I hope we can work together to agree on a repayment plan, my credit is suffering due to miss payments. 

I propose all future communications with Navient become restricted to the CFPB platform so that our discussion is monitored by a trusted third-party. From these discussions, I hope we can agree upon a fair payment plan.
on XX/XX/2016 I ordered a t shirt online from a company called XXXX. I paid {$28.00} with XXXX. About an hour after I ordered I tried to cancel the order. I tried to call the phone number shown on the XXXX transaction history. There was a different number on the companys web page and I called that. Neither line worked. I tried to email them with me response. As far as I was concerned this was not a legitimate business. I went to my bank to file a dispute, since the item was paid for on my debit card through XXXX. They told me I had to go through XXXX. So I did, and after 10 days the case was resolved in my favor. I had to wait those 10 days before the money was refunded to me. The refund was processed on XX/XX/XXXX and credited the full {$28.00} to my XXXX account. I then transferred the funds to my checking account. During this time, several checks were returned for Insuffiecent Funds, due to the waiting period I was made to take during the process. I took all the information to my bank and showed them how it was ruled in my favor. I was asking for those NSF 's to be reversed and my account corrected. They refused to do so, telling me it was not their responsibility. They gave me such a runaround I got very frustrated and did not contact XXXX. But the transaction was paid for using my debit card, so in my opinion it is the banks responsibility to refund those NSF s and straighten my account. My checking account has been in an uproar. ever since that time. I did not know this place existed or I would have filed a complaint against the bank sooner. This bank has given me the runaround several other times on similar matters. On XX/XX/2016 I tried to make an ATM deposit at approx. XXXX to coer what I knew whould be a charge coming through. The ATM was closed. I went back about XXXX and the ATM was still closed. The message on the screen said to go to their other locations. This bank has closed XXXX local locations with in the past year or two. One was just closed a month prior to my experience. The closest AT was in XXXX, IL and I did no t even know where in that town. It was about 15 miles away and I am not that familiar. I took a photo of the ATM screen and then the clock in my car showing what had happened. I deposited the money on the XXXX, but of course it was too late and I had an NSF. I called the bank to explain and get that corrected. I told htem I had the photo. They told me that the ATM being shut down was " out of their control '' and not thier responsibility. It was the responsibility of the company that runs /services the ATM. Then I was told, " If I had a transaction to cover, I would have done everything I could havr to get it done '' telling me it was my fault I did not go to XXXX, IL to that ATM. I do n't know where it is located and anyway it is unreasonable because they recently closed the only branch left near my town of XXXX. So this bank has a history of trying to get out of refunding NSFs. I think they need to be investigated.
XXXX XXXX did not have my authorization to pull my credit report. The inquiry made by XXXX XXXX XXXX XXXX on XX/XX/16 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. This inquiry is also over 24 months old, which is a violation of the FCRA to continue to post to my credit report. Please help me to get this business to delete the inacurrate and unverifiable inquiry from my credit reports immediately.
My identity was stolen in XX/XX/XXXX. I received a letter from the FBI n XX/XX/XXXX notifying me of that fact. Then in XX/XX/XXXX I got a letter from American Express informing me that my credit line was being reduced from {$11000.00} down to {$5900.00} and cash advances of {$200.00} the reason and information was based on information provided by XXXX. My credit score was as high as XXXX. During that time I sent several letters to all of the credit agencies to correct my credit files. I tried to make sure that the agencies had accurate information. After reviewing my old letters, I remembered that I also had at those credit monitoring services one with XXXX and one with XXXX and they really did n't catch anything. I lost confidence in the service because one of the crooks was monitoring my account as well. 

To this day ever since I wrote letters to XXXX canceling my monitoring service and complaining about their service, it seems like I 've been placed on their enemies lists. I do n't know if one really exists, but here 's what I mean. My American Express credit limit is still {$5900.00} and {$200.00} in cash advance. I paid the balance off back in XX/XX/XXXX and nothing has changed since that time. Even after I got the police report and became a confirmed victim of Identity theft and I never missed a payment on any account. Wrote several times correcting everything. XXXX was especially slow about updating my files until I sent a letter saying I was trying to refi my home and all of a sudden they cleaned my file up to an extent. Over the years they have continued to play games, 2 years ago I had another back and forth to remove a lien error. The exchange was brief but I sent a few letter and it really was the only negative item on my file other than card balances. I am refinancing my home now and 2 out 3 credit reporting agencies have my credit history as too short or insufficient. XXXX and XXXX. XXXX has my credit score at XXXX and all of the lenders are using XXXX low score to quote me a loan. I got a quote from XXXX they only used XXXX 's score. I got a quote from XXXX XXXX they are only using XXXX 's low score and key factors on credit score form. Which states that length of revolving account history is too short. 

It seems as though XXXX is retaliating against me and keeping my score at the lowest possible range score it can justify and then also obscure my credit history by throwing in some XXXX like " length of time revolving accounts have been established is too short. '' When they know full well I have an extensive credit history. I have filed a similar compliant but once i looked at my old notes I wanted to add more. XXXX is no saint either. They are telling the same lie in attempt to present me as a risky borrower despite my 27 year excellent credit history. Completely unfair.
Received one phone call and one letter from Convergent Outsourcing , Inc, claiming to be a collection agency on behalf of XXXX, a cable company, seeking to collect a balance owed. 

I have never done business with XXXX, and a visit to their website shows they do not even offer service in my area. 

I will be sending a Request for Validation of Debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, but all communications stink of fraud.
Today, XXXX XXXX, XXXX I received in the mail from the XXXX of XXXX an attempt to collect XXXX parking tickets debts from XXXX years ago, on the date of XXXX/XXXX/XXXX.
I was refused Credit card based on filing bankruptcy 20 years back. They are using there information to process credit card rather using Credit Bureau.
I have disputed incorrect items on my credit reports and they not been able to provide the proper verification to prove these accounts.
US BKPT CT CA XXXX XXXX, Amount {$0.00}. I have no knowledge of this public record and don't live in California. I have stated this with Equifax, XXXX and XXXX.
XX/XX/XXXX : Found a derogatory statement from XXXX Bank. Stating that I owed money of approximately {$1000.00} on an account that had been added to a Chapter XXXX bankruptcy in XXXX. According to XXXX Bank they were never informed of the bankruptcy. I contacted Office of the Comptroller of the Currency and informed your XXXX XXXX XXXX Bank refusing to remove the debt from my credit reports. On investigation by the Office of the Currency, XXXX Bank removed the derogatory statement and sent me a letter of apology. I found out on XX/XX/XXXX that the derogatory statement stating that I still owed XXXX Bank money was re-instated on my TransUnion credit file. I contacted XXXX Bank and was told that no one was sure why this had happened. I checked with TransUnion and the derogatory statement remains. 

XX/XX/XXXX : Found a derogatory statement from XXXX Bank/XXXX XXXX for {$300.00}. It had not appeared prior to this date. This account was also discharged in Chapter XXXX bankruptcy in XXXX. On calling XXXX Bank I was informed that XXXX Bank did not know who the creditor was that had added this derogatory statement to my TransUnion account even though I informed them that XXXX Bank had done so. They refused to listen to my complaint on my informing them that the debt was discharged through a Chapter XXXX bankruptcy in XXXX. Their response was that I contact the creditor who placed the statement even though I informed them that they were the ones that did so.