WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I visited XXXX 's XXXX XXXX to purchasing new tires for my truck. I worked with an employee to determine a tire size would fit my truck since I wanted to go larger than the stock size. After test fitting a tire in a size I had suggested, we determined that it would not fit and the employee suggested another size, and assured me that it would fit without issue. The employee then ordered the suggested tire and I paid for it. ( A total of {$1000.00} ) On the morning XX/XX/2018 I dropped my truck off at the merchant 's establishment for the new tires to be installed. I returned that evening around XXXX to pick up the truck. I briefly spoke to an employee who handed me the key to my truck and informed me that " everything was good to go. '' On the drive back to my residence I noticed the tires were scrubbing on the inner-fender of the truck. Once home I investigated and found that not only were the tires scrubbing, they had actually damaged the inner fender lining. I attempted to call the merchant, but they did not answer since they had already closed for the day. 

On the morning of XX/XX/2018 I returned to the merchant 's establishment first thing to alert them of the issue. I spoke with an employee who then contacted the owner via cellphone and explained the issue. The owner stated that I could not receive a refund since I had driven on the tires. I took issue with this because explanation because I was told that everything was " good to go '' when I picked the truck up. How else was I to know that the tires didn't properly fit if I hadn't driven the truck? The owner still refused a refund, so I asked to have the new tires removed and my old tires put back on the truck. I stored the new tires in my garage at home. 

On XX/XX/2018 I opened a dispute over the charged amount through my bank ( South State Bank ) On XX/XX/XXXX I received a provisional credit for the amount in question from South State Bank while the matter was being investigated. 

On XX/XX/XXXX I received a phone call from a representative of South State bank. She informed me that the merchant was willing to give me a partial refund if I returned the tires to him. I informed the representative that I was not going to accept anything less than a full refund for the return of the tires. The representative said that she would inform her manager and give me a return call. 

On XX/XX/2018 I received a letter from South State Bank informing me that the investigation had been completed and they determined that the merchant had done no wrong since I had authorized the transaction. The letter also stated that they would be debiting my account on XX/XX/2018 for the amount in question. 

I do not feel this is a fair resolution. It was the tire shop 's job to install the tires and ensure they fit correctly. They failed to do this, and denied a refund once I discovered the tires did not fit correctly. I believe this error was solely on the part of the merchant and I deserve nothing less than a FULL REFUND for the return of the tires.
Experian is reporting an alternate SSN tied to my information : I contacted them and provided them a photo copy of the ONLY SSN I have ever had ; nothing was done to fix it or show in their investigation a status of fixing it. They should not be allowed to list an invalid and never owned SSN on my credit report It is listed as : Social Security number variations : XXXX Report Number : XXXX Online Credit Report from Experian for : XXXX XXXX Report date : XXXX XXXX, 2017
I had a secure credit card with U.S. Bank and there was fraudulent activity on my card. Spoke to the collections agency, told them it was fraud, they sent that over to U.S. Bank stated they denied my claim because my bank account was used to fund the account. I have disputed this with the credit bureaus and they are still keeping this on my credit. I asked for proof of statements, none has been provided. This is very detrimental to my credit. I am in the process of trying to buy a house and this has caused me to be denied for a loan. I want U.S. Bank to remove this account from my credit report. I am still getting collection calls from a collection company.
they responded on BBB stating I funded the account, Yes the account was mines but the charges after XXXX were not mines.I also noticed they sent me billing statements, each payment that was made was returned due to non funds, when was my account funded multiple times before U.S. Bank closed my account. I never received any calls about these funds not going through. U.S. Bank promotes there high quality to prevent fraud, but this was happening on my account they were letting charges still happen for months. Multiple payments made and was returned and no action on there parts. Also, they are still reporting on my credit report that my account is still open. reporting FTP ( failed to pay ) every month. Also, I received a letter from there fraud dept stating I owe {$810.00} on my next billing statement. How do I have a billing statement is my account is supposed to be in collections/charge off. Also, on my report the date it
I have a private loan by and through Discover Student Loans which bears a 10.875 % interest rate. My social security number is XXXX and my name is XXXX XXXX XXXXt f/k/a XXXX XXXX XXXX. Over the last 7 years only {$3000.00} has been paid on this loan based on the way this loan is structured. Should you require additional information please contact me at XXXX XXXX
I was recently accepted into the Public Service Loan Forgiveness program, and was instructed to make my payments as usual to my current student loan servicer ( Mohela ). 

On XX/XX/2018 I made an online payment to my student loan servicer, Mohela, for {$830.00}. I received an email confirmation of the received payment that same day. 

Mohela processed this payment on XX/XX/2018 and {$830.00} was withdrawn from my XXXX checking account. 

My student loans were then transferred to XXXX XXXX on XX/XX/2018. The payment of {$830.00} that was made to Mohela on XX/XX/XXXX was not transferred to XXXX XXXX. 

On XX/XX/2018 I was notified via mail that my student loan had successfully transferred to XXXX XXXX. I also received a notice via mail on XX/XX/2018 that my XXXX payment was past due. The scheduled payment date listed for XXXX XXXX was XX/XX/2018. 

Upon receipt of this notice, I called XXXX XXXX immediately to resolve this situation. The service representative informed me that any payment I made to Mohela in early XXXX should transfer in a few business days and be applied as a credit to my XX/XX/2018 payment, but that I will need to make a payment that would cover both XXXX and XXXX. On XX/XX/2018 I made a payment to XXXX XXXX for {$1600.00}. 

As of today, XX/XX/2018, I have yet to receive notice and application of the transfer of funds I paid to Mohela for XX/XX/2018. At this time, I am currently being billed for {$830.00} for XX/XX/2018.
I have the dicks sporting card through synchrony bank. They will call me 20 times a day to the point I had to have the phone company block the calls. Then they send emails so I called back to make arrangements. I received an email and letter stating I made arrangements for XXXX a month and I paid my first month. They contacted me again and said no not good enough and that they. Ca n't find any such information so supposed to have been doing an investigation. When I paid online it even said XXXX a month. So then they offered XXXX a month and I said we 'll the investigation is going on so can I wait a few days cause they told me to wait. I called a few days later and I was told still being investigation but now, y payments would be XXXX a month. Last 2 days I have been on the phone with them getting the run around because the lady I was making arrangements with put down in the notes that I had an attorney which I never said. I said I need to go to work so I 'll call back in the afternoon because I had already been on the phone. For over 30 mins. When I called back in the afternoon, I was told I can do the arrangement because the lady Said I wAs filing bankruptcy and had a lawyer which neither XXXX is true. I wars told also in order to make arrangements even though I got a letter stating after the XXXX of. XXXX, they are going to sue me, that I have to write a letter stating I wo n't get an attorney and that because my bill is due on the XXXX, that the new payment arrangement will be higher than what the lady stated yesterday morning. Same company asked me what medical reason did I have for Losing my job which made me fall behind and got mad when I said the Hippa laws. After this they directed me to the place I called in the first place who then redirected me to the collection, then collections directed me back to customer care who told me that without me writing this letter they ca n't talk to me. Or tell me about payment arrangements.
Case number : XXXX I do not have any response to this case from the Chase Bank, they are ignoring me! 
I demand from them full refund for all stolen money from my accounts, plus the new robbery, plus XXXX % fee. 
If I will receive my money back, or not I will write complaint to the F.B. I. and ask them for Initiation of investigation regarding this crime. 

Employees in any bank are doing mistakes, doing problems to custumers and no one is responsibile for that and are not punished. 
One of problems which they did for me XX/XX/2014. 
I wanted to change my company name. Lady in XXXX Chase bank copied my documents and said, that I will receive new banking card with new business name for about one week. I received new card, however still was old company name on the card. 
I drove to the bank and the lady called to the people. She said, that new card I will receive within about one week. 

I received new card, but again, still was old business name on the card. She again called to the people and complained this problem. 
After about week I received new card, but this time was the new business name. 

Yes, three times I traveled to Chase bank regarding this easy thing. Will pay me bank for lost time and nerves? I heard sorry, bot who can buy something for a sorry?
This company continued to contact my work phone number after receiving notice that calling the number was not allowed. The debt was under dispute with the credit bureau and when I spoke with someone regarding the continued calls and asked that something written be sent in the mail regarding the debt since it was under dispute due to my lack of knowledge of the debt. I was informed that I could " play this game all day. ''
XXXX, 2015 I my car was hit by and insured of XXXX XXXX XXXX XXXX XXXX XXXX The insurance company took liability of their client being at fault. XXXX XXXX is reporting me at fault causing my insurance rate to increase. I spoke XXXX at XXXX and a certified letter is being sent to me to prove that XXXX XXXX is reporting false and incorrect information. I have a copy of the police report showing I was the victim. Esurance claim # : XXXX Adjustor was XXXX XXXX no longer there but XXXX replaced that adjustor her # : PH : XXXX. I only learned of this XXXX XXXX today the reference # : XXXX when getting an insurance quote
XXXX XXXX is reporting erroneous information on my credit report. They are reporting & attempting to collection a debt for XXXX XXXX that has already been paid and the deed transferred. IT even says Paid in full on the report yet they continue to update a balance and attempt to collect an erroneous debt. 
The credit bureaus have been disputed as well and unless they can provide proof that this is mine, NOT XXXX XXXX ... the creditor & the bureaus are all in violation and the next correspondence will be from my attorney & I am contacting the attorney general in your state of operation.
I have a a unverified account from CBE GROUP # XXXX. I had previously disputed this account. I have never done business with CBE GROUP. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that CBE GROUP Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE GROUP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I Had an auto loan with Carmax, which was also the company I worked for at the time. I was in a car accident just a few months after I bought the car, and it affected my employment and my car payments. I completely explained my situation to them and made whatever payments possible at that time. This happened a few years ago, and I understand it might seem like a long time for filing this report, but I tried other ways to resolve this and nothing seems to work and I just want my credit corrected. My loan started on XX/XX/XXXX and ended on XX/XX/XXXX. My accident occurred in XX/XX/XXXX, so it first affected my payment in XX/XX/XXXX of that year. I did not get gap coverage, which seems to be the reason why this all might be a problem. I tried to make minimum payments after the accident but I always cam up short, even though Carmax knew they would be getting a large check very soon. I just really want to get these negative occurrences off my record if possible. Thank you
XXXX XXXX- XX/XX/XXXX showing 2 accts XXXX  XXXX was originator - Complaints also filed with the XXXX and Texas Atty General - XXXX States that XXXX in a letter /reply that this could be a HARDSHIP? 
Where they got this I will never now - I am worth CASH XXXX XXXX at XXXX XXXX XXXX has NOT responded to my ceritified mail XXXX was notified by writing and by phone - I demanded any and all documents - NOTHING via internet /mail or verbal XXXX XXXX XXXX - reporting 2 medical charge offs - I demanded written proof - I supplied them with documentation from XXXX XXXX XXXX XXXX - XXXX states there was NO DENIED CLAIMS all PAID IN FULL* I paid all deductibles at time of service or obviously they would not perform medical services * Conns Is reporting 2 accts paid and 3 accounts NOT paid in XXXX - I have NO accounts that are not paid from XXXX- XXXX States they do not report anything over 4 year old yet they are on all 3 credit bureaus
RE : UNAUTHORIZED INQUIRY I reviewed a copy of my credit report and XXXX  / XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/2017. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX and investigate such occurrence.
i paid XXXX companies on my bb t card that took my money and rendered no service.i called my bb t card to help me with this and was told i waited to long to dispute these XXXX charges.i explained what had happened that i had not received any goods or services ever.even with these circumstances i was out of luck.i expected more from bb and t.it was XXXX different charges of XXXX and XXXX
I have made the same disputes with all three credit bureaus for months. Just recently XXXX rectified the situation by removing all the incorrect information from my report. After that was completed, I reached out to equifax and XXXX to see what was necessary to remove the same items. I was told to dispute it. I explained I disputed multiple times and it was returned as correct info. They said since XXXX removes the items its likely if I resubmit the dispute the same ones will be removed for their reports as well. So I disputed it again, to my surprise it returned as correct information. So I called again and was told the companies provided evidence it was correct. I asked how could it be correct for this report and not for another? I also asked if I could get this supposed evidence and was told to reach out to the companies. I dont think its fair that I have to keep disputing for months and the two reports still show incorrect/ fraudulent information. I want the items I have disputed numerous times to be removed. I even offered to provide proof XXXX removed the items and was told it wasnt needed. At this point I dont know what to do, but it rectify ASAP so I can repair my credit score.
I reached o ut to CitiMortgage o n  XXXX / XXXX /   17  to make a bi-weekly payment on my mortgage and to stop the automatic draft that was to come out. This was initiated due to there being  a 50k pl us hold on my checking account. I did this for the next several weeks up until  XXXX / XXXX /   17  when the hold on my checking account was finally removed . CitiMortgage never did st op the payments from being drafted per my request when I made them over the phone for the next several weeks. I acquired numerous fees, some of which have been removed. I sent correspondenc e to CitiMortgage regarding  payments missing from the account on  XXXX / XXXX /   17  and sent them proof of them, but I have yet to have had it resolved. When I corresponded with people on the phone, they could not even match up the payment history that I printed from there website with what they were using. To make matters worse, I received a letter from them on  XXXX / XXXX /   17  saying they were removing me from the equity builder that I had been in  since the 90s per my request. I had not requested this since the lien had been removed from the checking  account. They would not do it when I had asked to stop the payments. I am not yet trying to be put back in the program and am making payments over the phone. I still have yet to have all of my payments credited to the account and no one has addressed the concern faxed to them on  XXXX / XXXX / 17 .
Equifax is reporting wrong information in my file and they keep telling me that it has been verified which if the accounts have actually been verified then i am requesting the full proof of the evidence that they have telling me that these accounts are mine if Equifax cant provide the proof by law they have to get rid of these accounts
This company continues to report an account on my credit report that is not mine. ( Identity theft ). They responded to my request for validation as { account verified ) but did not send me any information verifying the debt. I requested an original contract or any account information that they could send me proving that the account belonged to me, and not just bearing my name, and address as I am a victim of identity theft. They continue to report this collection account to the credit bureaus. I have sent a multitude of request to accurately validate this account and send me verification of it, yet they choose not to. THIS ACCOUNT DOES NOT BELONG TO ME, YET THEY ARE CONTINUOUSLY REPORTING IT ON MY CREDIT REPORT!! THIS ACCOUNT IS NOT MINE!!!!! I have since sent them a cease and desist letter as they refuse to comply with my requests. I am in the process of seeking legal counsel to being a lawsuit in regards to this account, and the blatant disregard of my rights!
I have spoken with navient numerous times and expressed financial hardship I have made requests to start repayment that is affordable for me they have refused to assist and have reported on my credit inaccurate information. They have not furnished the information requested by attorneys and continue to evade my request to correct the information reported
I settled a debt with XXXX XXXX and XXXX on XX/XX/XXXX. The account is 7 years old ( it first had delinquency in XX/XX/XXXX ) and it should be removed from my Credit Report. I checked my credit reports from the 3 major credit bureaus within the past 30 days and noticed that this information still remains on my credit report. Please remove this negative account and please provide me with a receipt for that transaction that shows that I paid for this account. I never got my receipt that I called and asked this company for on multiple occasions.
I graduated from XXXX XXXX XXXX in XX/XX/XXXX. I took out both federal and private loans in order to finance my XXXX. I had a series of unfortunate life circumstances occur : i ) I was diagnosed with XXXX ii ) my apartment in XXXX was completely destroyed in a gas fire on XX/XX/XXXX ( two people XXXX  and three buildings were destroyed due to gross negligence of my landlord, a contractor, XXXX XXXX, and the City of NY ). I also lost my job between these two events. I reached out to Navient ( then XXXX XXXX ) looking for options and they immediately pointed me towards forbearance without any discussion of an XXXXncome Driven Repayment plan. I have been unable to pay my loans and do not believe they have been acting ethically with they way they have treated my loans and have I also don't trust their accounting. They have failed to produce any detailed documentation related to loan calculations. 

I understand that the CFPB has sued Navient. I would like to be included in this suit as there is total alignment with what the CFPB claims and what happened to me.
I bought a truck from XXXX and financed it through Santander. I paid for the additional GAP Insurance. In XXXX 2012, I was rear ended by another vehicle and my truck was totaled. The other driver was considered at-fault. His insurance and my gap insurance should have covered the entire balance of the truck. I find out a month ago that Santander claimed I had a balance left over and wrote it off as a repo. This is a False Repo that is now preventing me from purchasing a new vehicle. I need this fixed!
the loan was bad with Bank of America BOA never tried to fix the loan Did not modify it properly They owe me all that I paid for over the years
I was reviewing my credit report and discovered that this company has reported that I owe them a debt I have never received any notice from this company and my rights were violated. I have never entered into a contractual agreement with this company nor have they provided me any goods nor services
i have had no knowledge of debt with enhanced recovery corp or XXXX. I am requesting that they either provide me with an original copy of cell phone contract or remove there collection account ( s ) from all of my credit reports.
Navient/Sallie Mae would not allow me to apply payments above the monthly amount due to higher interest loans and instead applied anything over and above the amount due to the loan with the lowest interest rate. This finally stopped last year, but had been going on for twelve years prior to this.
I AM A VICTIM OF IDENTITY THEFT WITH A POLICE REPORT SUBMITTED TO THE 3 CREDIT REPORTING AGENCIES XX/XX/XXXX, EXPERIAN, AND XX/XX/XXXX WITH FRAUDULENT ITEMS, LATENESSES, AND INQUIRIES THAT ARE NOT MINE THAT I CIRCLED AND SUBMITTED MY ID, FCRA SECTION 605B, CREDIT REPORT WITH CIRCLED FRAUDULENT ITEMS PLUS THE LATENESSES CAUSED FROM THESE FRAUDULENT ITEMS, NUMEROUS TIMES IN THE PAST SIX MONTHS MORE THEN ENOUGH TIME TO HAVE THOSE CIRCLED ITEMS REMOVED AND THE BUREAUS LISTED ABOVE REFUSE TO REMOVE THEM AS THEY ARE DIRECTED BY LAW. FUTHERMORE XX/XX/XXXX ADDED ITEMS RECENTLY AS THIS MONTH OF ITEMS THAT WAS BLOCKED FROM MY ACCOUNT ITEMS LIKE XXXX, AND XXXX XXXX XXXX XXXX, AND IGNORED THE LAW AND PUT THEM BACK ON MY CREDIT REPORT AFTER THOSE ITEMS WERE BLOCKED BECAUSE OF FRAUDULENT ITEMS IN THERE LETTER TO ME LAST XX/XX/XXXX. THEY RE-INSERTED IT ON MY FILE THIS MONTH.THESE COMPANIES REFUSE TO FOLLOW THE LAW PUT FORTH BY THE FCRA AND I WANT THEM HELD LIABLE AS TO WIT I HAVE BEEN NOT ABLE TO AQUIRE NEW CREDIT OR LOANS ON MY OWN BY THE NEGLIGENCE BY THE BUREAUS, I WILL BE FILING A LAWSUIT IF ALL THESE ITEMS CIRCLED IN MY CREDIT REPORT ARE NOT REMOVED IMMEDIATELY. I WILL FILE A FTC REPORT EVERYDAY UNTIL THEY ARE REMOVED.
This credit reporting agency is reporting inaccuracies information on my credit file. The credit reporting agency is reporting the collection account XXXX XXXX XXXX as being my account which is inaccurate