WillisBack/dataset-financial-user-claim huggingface dataset:
Fifth Third Bank Disputes Department / Regarding reassertion of dispute / Case # XXXX This letter serves as the appeal to Fifth Third Banks decline of my dispute regarding the {$3200.00} charged for XXXX ( XXXX XXXX XXXX XXXX ) doing business as XXXX  XXXX, XXXX  XXXX XXXX XXXX using my credit card ending in # XXXX on XXXX. The reason for the decline, was because my dispute fell outside the window to dispute. 

None of these services were provided, and I did not have a chance to receive them, because the FTC shut them down for defrauding their customers XX/XX/2018. At that time, there was hope that something could have been worked out between XXXX and the FTC. But, in XX/XX/2018, the Judge in the case finalized the shutdown on XX/XX/2018. 

It would have been impossible for me to dispute this charge within the dispute window as for the XXXX XXXX trips and coaching that I purchased, fell past the dispute window afforded to me by Fifth Third. The FTC did not shut them down until XXXX, thus me believing up to that point, that I was going to receive my coachingg. 

Please accept this as my detailed letter describing the services that were expected from the company ( XXXX ) that the FTC without warning, shut down. I purchased XXXX XXXX trips using monies from my Fifth Third Card ending # XXXX Copies of my contracts ( s ) are submitted along with this letter, as proof that XXXX did not provide the services ( XXXX training trips ) that were purchased The three events : 1-3 day/4 night / 1-5 day/6 night / 1-10 day/11 night ; XXXX Training ( Coaching ) Trips The details of the XXXX and Tuition reimbursement, are in the contracts that are with this fax, please note the circled items. Also, faxed is copy of my XXXX   receipt and statement of the charge, as noted Details of FTC actions can be found at : https : XXXX Respectfully Submitted, XXXX XXXX XXXX
Called every single day, sometimes multiple times a day to collect on a debt that was barred by the statute of limitations. Called from several different phone numbers.
I, XXXX XXXX, am the cosigner on a Nelnet Parent Plus loan that my father took out for my brother who was a student at the time. My brother graduated from XXXX University in XXXX 2015 and the first loan payment was due XXXX 2015. My brother had been making consistent payments on his loans and each time he called, he confirmed the full loan balance. As a consequence, my brother, his father and I believed that we were making payments toward a consolidated loan balance that included the amount of the Parent Plus loan. We have come to realize that this was not the case after I received a negative comment on my credit report stating that I have failed to be current on a credit/loan account. When any of the parties to the loan call to find out what the responsibility is, the representative does not share any information on this loan unless you ask them specifically about any loan where there is a cosigner. This makes it very difficult to know my responsibility as a cosigner and has hurt my creditworthiness.
I reached out to transunion and XXXX in regards to the unauthorized inquiries on my account. In the last month i have accumulated 64 hard inquiries on my transunion and 34 on my XXXX, someone is trying to get credit in my name and they are running it multiples of times and I am not happy about it at all.It is looking like im begging for credit and is looking BAD on my credit. I have a cash car, no need for me to be searching for credit. My car is a XXXX and very reliable, they even tried to get credit from my job which i can NOT do. 
Transunion has allowed the following to run my credit without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As for XXXX  they allowed the following to run my credit without my permission : XXXX XXXX XXXX 2x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3x XXXX XXXX XXXX XXXX XXXX XXXX 3X XXXX XXXX XXXX XXXX XXXX XXXX
During my duties as a Vice President of XXXX, XXXX, a construction company on XXXX XXXX, XXXX of my duties was to perform company vehicles purchase. I quit to my duties on XXXX, XXXX on XXXX, 2014 and leave to work for another company on the state of Florida. In many occasions I requested to Mercedes Benz Financial to release my name from that account due to those purchase were perform as a company representation. Even the name on the account is the corporation but they keep saying that I will be responsible even if I transfer the account to another person on the corporation or that I can sell the vehicles to the corporation, that is something that does n't make sense because the vehicles are already at the corporation name. 
I am requesting to Mercedes Benz Financial to remove any negative information on my credit report.
MIDLAND FUNDING LLC  XXXX   XXXX   XXXX   XX/XX/XXXX  Open {$1500.00} Account Details Last Reported  XX/XX/XXXX   Collection Agency  MIDLAND FUNDING LLC Original Creditor  01    XXXX   XXXX   Status Open Opened Date  XX/XX/XXXX  Closed Date -- Responsibility Individual Balance {$1500.00} High Balance {$1500.00} Remarks Placed for collection Creditor Contact Details MIDLAND FUNDING LLC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Since you currently have an open dispute request, you ca n't dispute any other errors through   XXXX   XXXX   at this time. If you found new errors to dispute with  XXXX , please wait for your prior dispute request to be processed or contact  XXXX  directly.   See the details here
Re : Our personal Escrow Account On XXXX XXXX, 2016 a new payment statement was issued by CITI Mortgage changing our monthly payment from {$970.00} to {$1100.00} beginning XXXX XXXX, 2016. CITI Mortgage indicated by their estimation only that the property tax will increase for this year of 2016. We feel the increase of a monthly payment of {$170.00} is unfounded by CITI Mortgage to cover an escrow deficit for this year of 2016. 
XXXX County of Michigan had mistakenly added {$800.00} to our summer tax valuation due to an address error. We have all of our mail delivered to the XXXX. XXXX. The mail for our tax statement was sent to our physical address. The post office returned the statement back to XXXX XXXX XXXX Department, implying that we did not live at this address. If the owner does not reside at a taxable residence, the summer taxable value is higher in XXXX County. We confirmed to the XXXX of XXXX and XXXX County that we are indeed living in our residence and always have throughout the duration of ownership.
In XX/XX/XXXX my loan servicer, XXXX, sold my loan to XXXX. At the same time I applied for PSLF. At that time I met ( and still meet ) all the requirements for PSLF - 1 ) I have been a XXXX for nearly 10 years, 2 ) I  had a direct loan 3 ) I have been in an income-driven repayment plan and 4 ) I have worked for a qualifying employer - XXXX/XXXX XXXX   with a XXXX XXXX XXXX. 

XX/XX/XXXX/XX/XX/XXXX, I was notified by XXXX that I had 0 qualifying payments. 

XX/XX/XXXX, I contacted XXXX to review payment tracking and request manual review of qualifying payments. I was informed that the manual review process would take up to 6 months. 

XX/XX/XXXX and XX/XX/XXXX, I contacted XXXX to inquire why I had not received information regarding the outcome of the manual review of qualifying payments. At the time I spoke with both representatives as well as a supervisor. I continued to be told that they were " backlogged '' and that I would have to wait. 

XX/XX/XXXX, I contacted CFPB to understand the complain process and file an online complaint. I contacted XXXX again to obtain the status of my qualifying payments review and verify history of my correspondence. 


I have been waiting nearly 1 year and XXXX has still not completed or accurately reflected the number of qualifying payments I have towards PSLF.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX Please remove these Inquires : XP/TU/EF B XX/XX/XXXX XXXX XXXX CARS AUTOMOTIVE EF B XX/XX/XXXX XXXX XXXX XXXX XP B XX/XX/XXXX RENTAL PROPERTY XXXX XXXX EF B XX/XX/XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account  thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 
If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Companies involved : Wells Fargo and XXXX XXXX XXXX of North Carolina I signed a contract to have gutter protection installed on my home on XX/XX/XXXX. There was 0 % interest available for 2-3 years. It was through Wells Fargo. After giving it more thought I decided to cancel the contract within my 3 day grace period which I did by calling on XX/XX/XXXX and speaking with XXXX. I followed up the call with a letter. 
I received a CREDIT CARD in the mail for {$5500.00} more than I thought I was financing. No one ever mentioned a credit card. I called WF on XX/XX/XXXX talking with XXXX. She said she would cancel the card. I followed it up by calling again on XX/XX/XXXX. XXXX advised me that the account had been closed but she would file a dispute to show I had never opened it. I filed a dispute in my own interests with XXXX on XX/XX/XXXX stating that this account should never had been opened and that it was issued for {$5500.00} more than even requested. 
Yesterday, XX/XX/XXXX, I got an email from XXXX XXXX to let me know that there was a closed account and comments they thought I should check. So I called XXXX speaking with XXXX. He told that the drop of XXXX point in my credit score was a result of comments by WF that I had filed a dispute against them and closed the account. He said this would continue to effect my scores as it would be reported to anyone requesting info on me. He also said that he would remove the comments for me and the dispute I had filed would not be done until 20 days.
I have placed a fraud freeze on my credit reports. Recently, I attempted to get a new credit card. The freeze worked exactly the way it should ; XXXX sent me a letter saying they needed a pin, or for me to release the freeze to continue. 

The problem is with Equifax. Through their website, they asked for indentification from me, but did NOT request the pin I have recorded from them. Immediately after, they refused all further contact by phone or internet : " We 're sorry ... we can not process your online request concerning an Equifax security freeze. To assist us in processing your request please submit in writing the required items outlined below. '' I am not comfortable with sending information that is already sensitive in the clear, and especially when it includes the PIN that is the master key to my credit report with XXXX. 

But I have no other option.
On Friday XXXX XXXX, 2016 I suffered double discrimination at Chase Bank when my wife and I tried to open a joint checking account. I presented my driver 's license and an ATM from another bank for ID 's. My wife presented her driver 's license, but she did n't have an ATM. The bank officer requested a passport which my wife did n't have. We asked him if we could present other documents, but we did n't have those. I asked again and he was rude and insisted and insisted on paystubs, passport even an alien card? We are Americans ( XXXX ). My wife got really upset ( crying ). This person was talking to us like we were criminals. I 'm also a XXXX person. I asked for a supervisor who instead of apologizing for his worker 's actions he made things worst. Then, I suggested if we could present social security cards and both looked at me with surprise like I never had one. Then, the manager said we could be use the social security cards as IDs. I asked why the bank officer did not mention that at first place and avoid all that trouble? The manager 's answer was that his worker did n't have that in his mind in first place. I told the manager why does he give a job to a person with very poor customer services skills, arrogant and disrespectful. It 's like they did n't want me to open an account or do business there based on my appearance and my economy. I do n't make millions. Neither the bank worker or the manager apologized for that horrible experience. This an act of discrimination in plain view light in the 21st century. It seems this has happened before, otherwise, they would n't do it. Of course they will deny everything, but these actions of ignorance need to stop now.
I was contacted by Hunter Warfield for the first time on XXXX XXXX, 2016 in regards to a debt they say I owe. I am disputing this debt and sent two letters, one on XXXX XXXX and the second letter on XXXX XXXX, requesting information regarding this debt I do not believe that I owe. The second letter also included a request to cease all phone communication and only contact me via mail. I sent both these letters via certified mail, so I do know that Hunter Warfield received both letters. I was called on XXXX XXXX AND again on XXXX XXXX, asking why I have not paid my debt AFTER requesting that all phone communication cease.
I use to bank with Chase Bank from XXXX, until I had fraudulent activity on my account Chase treated me very poor so I closed my accounts, so I thought. Chase Bank only closed XXXX which was the XXXX where the fraudulent charges were on and kept my XXXX account open from XXXX until XXXX. XXXX XXXX, 2016 they closed the account and sent me a paper in the mail stating so. They then sent me a statement of debt in XXXX to get on a payment plan or pay in full but before I could do a payment arrangement, an incident occurred. The incident that occurred started on XXXX XXXX, 2016. I was in good standing with Chase bank at the time and paid XXXX dollars in tuition for school to be federally reimbursed through the government. They reimbursed {$1200.00} of my dollars back to the debit card in which I payed tuition only because federally they have to return payment the way it was payed. The card was closed and so was the account. When I called Chase Bank to see where the money was they said the money was not received and that if the money was to come in by Law they had to return to sender because they cant take things such as taxes or tuition without permission as a payment, that 's outside of their guidelines and restrictions, yet today XXXX/XXXX/16 they took the funds and used them towards the debt owed. When I asked them how can they do that first they said it was a claim, so they took it then when I said NO, that is impossible not for a closed account, he then put me on hold and said well the debit card was linked to the delinquent account but its not. The delinquent account was closed in XXXX by the fault of Chase so they made the XXXX account delinquent. So how is it possible they take my tuition money and can keep it? Is that even legal? If so I want proper information and the guidelines on why Chase can do so, if its federal money and a closed account and debit card.
I already have filed    one compl aint with Santander, that is case number  XXXX . This is additional information that I was told to add by the cfpb as another complaint. The issue we are arguing about is Santander 's interpretation of ou r credit score.  The report that we get from the credit agencies is very different than what "  XXXX , ''  Santander  's source, uses, resulting in a lower  credit score  ( and therefore higher rate for us  ) . Now, we have just received new updated credit scores which are still higher than   XXXX   but have lowered BECAUSE SANTANDER HARD PULLED OUR CREDIT  THREE TIMES in under a month period. They pull our credit three tim es, it lowers our score, and we get a higher rate? So  Santander  is effectively forcing us into a higher rate themselves. Which should be illegal. Additionally, one of the statements on their  ( Santander 's )  credit report, which again does not come from the big  XXXX , states that I,  XXXX , have my score adversely affected be ause " length of time accounts have been established. '' My most recent account was established i n  2008. T  hat 's  nine yea rs! How long do they want? Also a detriment : '' length of time since derogatory public record or collection is too short. '' What does that even mean? I had a collection go on. I paid it immediately. PS, the people trying to collect were actually sending things to the wrong address, as evidenced on my credit report.  XXXX   XXXX   XXXX   An  address at which I have never lived. So Santander, again, wants to make more money on consumer loans, and so does their own detrimental workings against consumers, which is completely unfair and should be illegal.
I took out a student loan with XXXX XXXX during my tenure in school from XX/XX/XXXX-XX/XX/XXXX, total amount close to around 15K. After graduation I was struggling to make ends meet with no job and a new baby. I called XXXX XXXX several times and sent in paperwork indicating I was not working. I was placed on deferment, respectively. I began working in XX/XX/XXXXand called XXXX XXXX and was advised that I needed to stay in deferment vs income driven repayment plan since my income was so low. I was provided unclear information and was told I would be contacted via mail. From year to year I would call and update my information and finances and would continue to be told I made under a certain threshold and to stay in forbearance. Around XX/XX/XXXX ( my birthday ), I called and my loan was no longer with them and I was directed to XXXX. Same as XXXX XXXX I would call and ask to be set up on a plan and I would receive the same information. It was at the time that I wanted to begin a payment plan as I was working directly in XXXX XXXX and was informed that I could pay on student loans under public service loan forgiveness and be forgiven after a certain time period. I would be given the run around and was even told at one point that my loans had been paid in full. I would always ask for documentation and nothing has been sent to date, even today. 
Recently, my grandmother gave me a call and I was informed that the Sheriffs office came to her home looking for me. I did some research and found that XXXX XXXX XXXX, whom I knew nothing about is sueing me and XXXX XXXX is the contact for for unpaid student loans and this is the first that I have heard of me being delinquent at all. I have no knowledge of either company until 5 business day ago. My student was not handled properly and I do not understand why I was never contacted. 
I was planning to go back to school and now this is all shocking and disheartening. Even today when I call XXXX they say my student loans are paid in full. How could that be? Now I am afraid of what will happen to me and my family as this lawyer is saying that I owe {$20000.00} and I must pay now and there is nothing that I can do about it. Why didnt XXXX perform their due diligence to give me a call and place under a repayment plan. I do not feel that XXXX XXXX nor XXXX performed their due diligence to ensure that I was treated fairly as I wanted to be on income driven repayment and then public service repayment plan and they continuously recommended forbearance based off my low income. 
Please be advised that I have a new address however providing my old address as the law firm is making threats and I believe this can be handled without them having my new address. My email address and telephone number are up to date.
Franklin Collections has a collection on my credit file from XXXX XXXX XXXX. I have disputed this collection twice of which XXXX claims that the debt has been verified. With that being said, I have yet to receive for what service was this for. Was it a cell phone? I have requested a detailed report from the collection agency with no answer in my last complaint. I refuse to pay a bill without a detailed description of dates and what it was for.
Recently I requested that a collection account that was placed on my credit report be removed because it had not been " Validated ''. I requested that Experian " Validate '' not verify this account and supplied them with the documentation that the company had sent me as validation of the debt. This documentation did not have anything with my signature on it or anything that I requested from them to validate the debt. There were specific things requested that the company furnish to validate and they failed to. None the less Experian responds with they have verified the account. That was n't what I asked them to do again I asked that they validate it. The other issue is that a previous collection agency had place the same debt on my credit file and after requesting that they validate the debt, Experian removed it and they to only furnished a bill as validation. So now I do n't understand how Experian ca n't validate on one collection agency but can verify the other based off the same information that was submitted to them. Seems to me that Experian is practicing some illegal and unfair practices based on how they feel at the moment and not based on the laws. After searching the Secretary of the State of Connecticut, this collection agency is not registered or licensed as a business in the state of Connecticut and is not accredited by the Better Business Bureau.
Photo-deposited a check on XXXX XXXX XXXX. When I looked at my account information a record of the deposit was not on the account. I then call the TD Bank and was told it will be 7-14 days before the funds will hit my account and the deposited check will be put on hold until that time. I instructed my bank to not use my photo-deposit because I could not wait 7-14 days for money I needed ASAP. TD-bank said okay, and I cashed check at a check cashing place. 2 weeks later I see a deposit for XXXX ( the amount of the check ) and I called the Bank again to take the money out of the account. They said it will be out in 3-5 business days. After another week the funds were still in the account and I called TD-Bank again to have the funds recalled and they said it will be in a day or XXXX on XXXX XXXX. I never heard from TD-bank again and come XXXX I used some of these funds not realizing they were still in the account. Finally XXXX XXXX!!! XXXX TD-Bank debits XXXX dollars from my account leaving me with a XXXX account balance! I called them to work out a payment plan but was told that is not possible. I have a baby and a mortgage and TD-Bank just about ended our lives. Then they charged me a XXXX dollar over draft fee to add insult to injury.