WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I leased a XXXX XXXX XXXX from XXXX in XXXX, Florida. 
A week later the blower motor went, which I fixed and alerted the dealer. Also, that same day I let him know the car was shaking real bad when I went over 45 mph. He said he would check it out, they did and told me nothing was wrong it may need some new tires. For the next seven months I was back and forth to the dealership, because the car was giving me issues and each time they would tell me nothing was wrong, yet the car was still shaking and barely moveable. Each month I made payments on time. Finally, in XX/XX/XXXX I spoke with the dealer and submitted the vehicle and told him to fix whats going on or keep the vehicle. I told him I couldnt afford to fix the vehicle and make payments. He said because I was honest with him and submitted the vehicle in good payment standing, that I was good, he would call it even. At this point, I thought it was over. A month later a guy I see a guy in my neighborhood with the same vehicle that I turned into them. So now Im like everything worked out well. In XX/XX/XXXX I happen to check my credit report and what do I see an open account from XXXX as if I still have the vehicle. So on XX/XX/XXXX I call XXXX in there financial department. I tell her I have taking pictures of the vehicle and I know its been released and that they are very wrong for still having me tied to this vehicle. She says they must have made a mistake and that the account should have been closed and that it shouldnt even be on my credit. I told her I was going to file a report and she beg me not to, she said she would fix. She called me back and sent me a text showing they had cancelled the balance and that it would be off of my credit on XX/XX/XXXX because thats the day they report. However, it wasnt removed. After several calls I decided to let the bureau handle it.
Diversified consultants has added several entire derogatory cases on my file and labled them as having to do with a bankruptcy. I nevber went through on a bk. When I called they said " if you owe it, pay it '' it bankruptcy file when that is not the case and they are causing my credit score to  drop by more than  XXXX  points. These people should be put in jail and I am writin g the AG of t heir state to make sure it happens.
Hello there, I have been banking with Citibank for approximately 10 years, I just noticed that they have been withdrawing XXXX dollars per month from my checking account for almost two years just to keep my money with their institution, that was not the original agreement when I opened the account with them and I was not notified about that change in the contract neither. I 'd like to have all that money back to my account, those monies were collected without my express consent.
There is a XXXX XXXX XXXX card appearing on my credit that I never opened or authorized opening. I am a victim of identity theft. It says on my credit report it was opened on XX/XX/XXXX.
Credit Card : XXXX XXXX XXXX. XXXX Account XXXX. 

A cosmetics company charged my credit card when I specifically told them not to. I disputed the charges, totaling roughly {$400.00} to Discover Bank. They gave me a temporary credit and notified the merchant. 1 month later, the merchant ressonded with " screen shots '' of their website ( nothing more ) and XXXX reversed the charges. The merchant provide no evidence that I gave permission to charge my card, nothing with my signature. 

On appeal, i sent XXXX evidence that this merchant was a scam and has scammed other people. They ignored me saying that " THEY ALREADY KNEW THAT ''. Really ... already knew that? Then why are n't you canceling these charges I said. They have not responded since. 

I was on the phone at the beginning with this merchant and warned them DO NOT CHARGE MY CARD. They did it anyway after they tricked me.
-I was billed {$27.00} fee. It was not denoted for what it was. ( they said it was a late fee. I always pay my bills on time and IN FULL. but they waived it stating it was from XXXX. I paid on time. ) -I was charged {$52.00} for interest on XXXX bill. I paid my XXXX bill on time. 
-it also denoted I had interest charges for all of 2017 at {$100.00}. As I already stated, I pay my bills in full, and on time. I do n't pay interest and I avoid late fees. 


So it is my view that Citibank is charging these fees INCORRECTLY and therefore FRAUDULENTLY to see if their customers are " monitoring '' their statements, to see if they can obtain additional fees. ( The representative actually said to me when I called, " thank you for monitoring your statement. '' ) It certainly is not unheard of in the wake of the XXXX XXXX Bogus Account & Fee Scam, which they were just fined a record amount for their wrong doing ... 
so, if you could please investigate this and see if there are any other Citibank Customers whom have had this occur, it could be a great boon to the common person, the working person whom is getting taken advantage of, once again. 

Much thanks, XXXX XXXX
MS. XXXX said, i owe XXXX with XXXX XXXX XXXX but I already settled the amount with XXXX XXXX  XXXX. The amount i owed is XXXX.
I purchased tickets to an event through XXXX XXXX in XXXX 2016. On the day of the event in XXXX I was not given the full access to the event I had paid for. I disputed the sale with my credit card provider, Fifth Third Bank. My goal was to receive a small percentage back from XXXX XXXX. 
The last correspondence I have ever received from Fifth Third Bank pertaining to this issue was dated in XXXX. This letter stated that the dispute was settled in my favor and {$330.00} was to be credited back to my account. 
This amount, nor any amount, was ever credited back to my account. I called Fifth Third Bank numerous times only to be told on each and every occasion that I would be contacted " within the next 48 hours '' to address the situation. 
NEVER HAPPENED! 
After a few months of this " run around '' I finally filed a lawsuit with the judicial system in XXXX County, Illinois. Even though Fifth Third was served with the paperwork for this case filing they made the decision to ignore the court summons and DID NOT show up in court. Subsequently I was awarded a default judgment in the amount of {$1000.00} plus court costs in XXXX of 2016. 
Although Fifth Third made it extremely difficult to find the correct department to forward the judgment paperwork to, I was finally able to fax the documents to the correct department. 
Within a week of receiving my faxed paperwork I was contacted by a Fifth Third Bank Attorney who initially told me that they would not pay me the full amount and if I did not settle for the considerably lesser amount, Fifth Third Bank would go back to court and file paperwork to have the judgment vacated. I told the Attorney this was not acceptable and my expectation was to receive the entire amount of the judgment plus court costs. This phone call took place on XXXX XXXX, 2016. 
On XXXX XXXX, Fifth Third Bank, through their Attorney, made the decision to finally bring to a conclusion this issue which they had dragged out for more than 7 months. The decision was made to pay me the total agreed upon amount of {$1200.00}. 
As of the writing of this statement on XXXX XXXX, 2016, I have still not received any of these monies. 
FYI : Because I have very little trust for Fifth Third Bank and their agents, each and every phone call since this issue has arisen has been recorded. These audio files are available upon request.
I contact Equifax credit breau and the creditors that pull my file and they summit the inquiries as fraud and yet Equifax remain it on my file
XXXX and Transunion are making it exceptionally difficult to freeze my credit and charge money for it even though their lack of security and them gathering my information is why I want my credit frozen in the first place.
XXXX was my aunt she stole allmy identity stuff. .id birth certificate social security card everything..i caught her n pressed fraud on her for falsely impersonate me to get dentures ... Please my mom destroyed my credit i was rebuilding n now she doing tbis my aunt
I have sent XXXX XXXX XXXX XXXX several certified letters and their representatives have not replied to any of my request for validation. I sent certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018.
I initiated a dispute with transunion regarding a bankruptcy on my credit report. I requested debt validation and any documents pertaining to this debt. They mailed to me 30 days later a updated credit report that stated the public remains and they verified it. The report is dated XX/XX/2017.This is the 4th attempt to get this matter resolved with them. On the last time I contacted them by phone they told me the bankruptcy court verified it. I sent the bankruptcy court a letter asking them of this process and they sent me a letter saying they do not verify anything it 's done by 3rd party of the credit bureau. I contacted Transunion by telephone XX/XX/2017 and asked how they verified this information and they stated by credit bureau, I spoke to XXXX a supervisor. I explained to him that 's not possible, that I contacted them to verify. He then stated through XXXX XXXX. I immediately contacted XXXX XXXX and asked them about this process. I spoke with XXXX and she stated they never contacted them and they would n't release any information to any one due to the security freeze I placed on my account in XX/XX/2017. The credit bureau is falsely stating that they verified this account and in fact, they have n't.
NEW COMPLAINT On XX/XX/XXXX, XXXX XXXX XXXX installed an incorrect windshield in my car. I gave them a check for {$100.00} for the deductible. In resolving the issue, the XXXX representative recommended I cancel this check. However, this was not adequately communicated within XXXX and they accidentally sent it to a collections agency, XXXX XXXX debt collection. When I returned a voicemail from XXXX XXXX, the representative would not listen to my explanation, told me she was submitting the case to collections and hung up on me. She would not return my repeated calls. Concerned, I submitted the first complaint to the CFPB and XXXX XXXX 's response on XX/XX/XXXX was " We have been advised by the creditor to remove the account from collections. This will not affect the complainant 's credit. '' However, on XX/XX/XXXX, XXXX XXXX in fact submitted a " New Collection '' on my credit report. I filed a second complaint on XX/XX/XXXX and their response was " We sent a notice to delete the trade line from consumers credit report today. '' As of today, XX/XX/XXXX, the New Collection still appears on my credit report. Please remove this item as soon as  possible.
I purchased a Kia Sorento with Capital One financing in XXXX XXXX XXXX 2016 I realized that because of the increased cost of my medical care resulting from my XXXX, Medicare costs going up, and fewer doctors taking Medicare that I could no longer afford to make the car payments. I contacted Capital One about arrainging a Voluntary Repossession. They told me that I had to contact a special department and that someone from that department would call me back. I waited two weeks without a call back. I contacted and called them back. Again the same run around and no call back. I called again the same thing. They are going to force the repossession to be due to non-payment which will have a greater impact on my credit record. And they will probably force a private sale which will cause me to owe more than I normally would after all is said and done.
A company called servi solutions contacted me via mail and claimed my loan had been transferred to them. I then received a bill from my original lender and this new lender raising my concern. I called both companies. My original lender had no record of it being sold and warned me not to send anyone else money unless I received a letter from my current company stating they transferred my loan. I called servi solutions and a woman told me dates it was bought and transferred and seemingly sounded very trustworthy. I called my dad for advice, he said it could be a scam, and looked up servi solutions on bbb and they had an F rating. I decided not to servi solutions money because it seems like a scam. I 'm worried they will start harassing me for payments and something bad could happen. The next payment is due in XXXX 2017.
I contacted the company, National Credit Systems, multiple times regarding the two accounts that were placed on my credit report after they sent letters stating that i owed the debt. Two times I sent out validation letters for them to show me that the debt is owed to me and the did not respond either time. These dates were XX/XX/XXXX and XX/XX/XXXX. I also contacted all three credit bureaus on numerous occasions - XXXX, XXXX, and XXXX - and stated that the debt was not mine and that they did not respond to my letters. Each bureau said that the debt was validated through their company but did not provide any information as far as the validation that National Credit Systems provided. This debt is inaccurate and should not be reported on my credit.
TD BANK SENT ME OUT LETTERS TELLING ME I HAD 20 DAYS ... ... THEY CHARGED OFF MY ACCOUNT BEFORE THE 20 DAYS ... .THIS IS A BREACH OF COMMUNICATION ... ..I WENT INTO THE BRANCH ... XXXX XXXX XXXX A PERSONAL BANKER AT THE XXXX BRANCH IN XXXX MD LIED TO ME ... .SHE WAS SUPPOSE TO CREDIT MY ACCOUNT {$50.00} ... SHE DIDNT ... SHE WAS WAS SUPPOSE TO CONTACT THE TD BANK COLLECTION DEPARTMENT SHE DIDNT ... SHE LIED TO ME ... THERE PRACTICE AT THIS BANK ARE DECIEVING AND MANIPULATIVE.I WILL BE FILING A FEDERAL LAWSUIT IN US DISTRICT COURT THIS WEEK FOR XXXX XXXX DOLLARS ... I AM SUING FOR A BREACH COMMUNICATION, DECEPTION AND MANIPULATION ... I MAY ALSO FILE A XXXX XXXX DOLLAR CLASS ACTION LAWSUIT AGANIST TD BANK ... ..THIS CLASS ACTION LAWSUIT WILL BE ON BEHALF OFF ALL THE CUSTOMERS OF TD BANK WHO HAVE GONE THROUGH THIS INCONVIENCE ... ..MY ACCOUNT SHOULDNT BEEN CHARGED OFF ... .THEY SHOULD HAVE KEEP THEIR PROMISE TO ME AND THE ACCOUNT WOULD HAVE GOTTEN PAID OFF ... .I WOULD LIKE THE FEDERAL GOVERNMENT AND TD BANK TO PLEASE DO AN FORMAL INVESTIGATION ON THIS MOST IMPORTANT SERIOUS MATTER.THEY ARE IN VIOLATION OF SEVERAL FEDERAL BANKING XXXX ... .I AM ALSO SUING THIS IS A VIOLATION OF THE FAIR DEBT REPORTING ACT ... .I BELIEVE I WAS REPORTED TO CHEX SYSTEMS ... ..I AM A XXXX STUDENT ...
On or around XX/XX/XXXX I send a letter to chase disputing account XXXX after disputing with the credit bureau in XX/XX/XXXX, and XX/XX/XXXX disputing this account. In which the credit bureau has not provided any documents in which I requested for physical documents since under fcra and fdcpa I have the right to request a copy of documents and a signed contract in my file. Credit bureau told me to contact chase in which I did sending them a dispute certified with return receipt in which I have and it was signed on XX/XX/XXXX by XXXX and I did n't receive anything and even checked my report to see if it was showing as disputes with chase and they failed to contact credit bureau making them aware of my dispute in which that is a violation of FCRA 623 ( a ) ( 3 ). Chase is supposed to report it and did n't. It says once a consumer disputes information, you may not report that information without telling the CRA that the information is in dispute. Also reporting outdated information under section 605. When I last contact chase stating I had no contract with them I was told this alleged debt was sold and they have no clue on who it was sold to and for me to contact credit bureau but nobody is reporting this charge off on my account but chase and the credit bureau told me I need to contact chase so they are both giving the back and forth I want this charge off removed from my report. Clearly chase is in violation of my rights according to FCRA and FDCPA. With failure to notify every CRA Involved that I disputed in which I have a copy of my letter and return receipt that chase signed but failed to report my dispute. Also submit corrected information to CRA subsequent to investigating my dispute. Also refrain from continuing to submit information that it knows or should know is incorrect.
On XX/XX/2018, I was applying for a mortgage loan. When I pulled my credit report I saw there was an error reported by Capital One credit card. Capital One reported a " Late Payment '' on all three major credit reporting agencies that cause my scores to drop more than 100 points from XXXX down to XXXX. 
I contacted Capital One consumer department to find out what happened with the error in reporting. I spoke with a customer representative name XXXX. 
XXXX told me that the late payment was reported due to the fact that they billed me for annual membership fee. However, Capital One admitted that they never notify me nor send out any statement billing to allow me to pay for that fee. 
I paid for the fee ( payment confirmation # XXXX ) to keep my account status open. In addition, I complaint to XXXX about the reporting errors with the credit reporting agencies. XXXX went on to apologize for that error and told me that he went ahead and sent an update to the 3 major credit reporting agencies to " remove '' the late payment status. 
However, I just recently order a new credit report to find out if the errors have been remove but those errors are still reporting as 30 days late. I have a recording of our conversation with XXXX from Capital One.
I was shocked when I reviewed my credit report and found late payments on the dates below. 90 days late XXXX XXXX 90 days late XXXX XXXX I am not sure how this happened since I was enrolled in school at these dates and when contacting nelnet directly they informed me this information has been updated in which it has not.
I opened this credit card with XXXX XXXX XXXX XXXX XXXX back in XX/XX/XXXX. I used and then paid off the entire card and closed it within a year of opening it. In XX/XX/XXXX I requested the account be closed as it had been paid in full. The customer service individual who I spoke to assured me that the account was closed. I then found out there there had been a running balance since XX/XX/XXXX of {$1.00} that the interest builds up to. Again, this account in all intensive purposes was closed in XX/XX/XXXX yet I was still continuiously charged untill XX/XX/XXXX. The account is paid. The account is closed but because they never closed the account in XX/XX/XXXX upon request there is a slow payback report on my credit report which is negatively impacting me.
I have two checking accounts with Bank of America. On XX/XX/18 I checked my available balance on one of my accounts and it showed {$94.00}. On XX/XX/18, I noticed that my account was over by {$54.00}, so I immediately made a transfer from my second Bank of America account ( internal transfer ) and after reviewing the transactions, I noticed a overdraft fee in the amount of {$35.00} posted to my account on XX/XX/18, when my account still had an available balance of {$94.00}. I contacted Bank of America on XX/XX/18 and first spoke with XXXX in regards to the fee, and asked to speak with a manager to have that fee reversed, since there are transactions still in process and I should not be charged an overdraft fee in advance for transactions not completed and since I never signed for overdraft protection, any transaction that come to my account when there is no sufficient funds should be declined, but instead I am already being charged by Bank of America an overdraft fee for transactions not yet posted to my account. She did not transfer me to a manager or supervisor and started to give me an education session over the phone. I disconnected the call and called Bank of America again and was connected with a representative named XXXX, who said he is a manager in West Virginia. Mr. XXXX  refused to reverse the {$35.00} fee. All my transactions were made as credit and are still in pending status as of XX/XX/2018 and Bank of America already charged me a overdraft fee on XX/XX/2018.
Conn 's account was closed on XXXX XXXX Conn 's refused to update my account to a closed account even though it was sold to a company named XXXX on XXXX XXXX, then in XX/XX/XXXX Conn 's  representive said my account was then sold to a company called XXXX phone number XXXX. From XX/XX/XXXX-XX/XX/XXXX Conn 's reported late payments to all 3 credit reporting agency XXXX XXXX XXXX the status on my account XXXX XXXX i am sending a copy of recorded calls of the representive stating the was was closed on XX/XX/XXXX XXXX the status on the credit report was recently changed to charge off due to me filing a dispute through the credit beareu. But the closing date is still incorrect its is reported as XXXX and the correct date of close is XXXX XXXX.
I keep getting collection calls from Central Credit XXXX regarding a debt that I do n't owe. I 've called them and they say my phone number is not in their data base, but they will put me on their " do not call '' list anyway. The calls are continuing. 

I had the same problem last year with XXXX and it turned out that someone had their phone forwarded to my number. Central Credit does n't want to listen to any possible resolution.
Experian and XXXX XXXX are not reporting my XXXX XXXX XXXX and it is affecting my credit in an adverse manner. I can not upload supporting documentation on their websites. All 3 credit bureaus are still reporting a 30-day late payment to the XXXX XXXX XXXX, which is paid off now. But, I have sent them copies of XXXX XXXX XXXX payments to XXXX to support our claim and they still refuse to correct the inaccuracy.
I was promised a job upon Graduation. Did nothing to help me get a job, they told me that i would be paying loan back based on job in my field.
I believe that I was charged an overdraft fee by BB & T when my account had the funds to cover the charges made. I made a purchase on XXXX, XXXX transactions on XXXX, and XXXX transactions on the XXXX. When I made the purchases on the XXXX and XXXX, I had the funds in my account to cover these purchases. As of XXXX, the transactions made on the XXXX and on the XXXX moved to posted ; meanwhile, the transactions made on XXXX were still pending. BB & T charged me XXXX separate overdraft fees of {$36.00}. XXXX overdraft fee for each purchase : the transactions made on XXXX and the XXXX on XXXX.
I have been trying to communicate with Fay Servicing for the past 6 months with no successful outcome. In XXXX of 2016 my loan was transferred to Fay Servicing while my loan was already in default. A lender/servicer can not collect on a debt that is transferred during the default process. Additionally, Fay Servicing failed to provide me with a fair opportunity to reinstate or reconstruct my loan and provide no denial verbally nor in writing regarding their decision to not assist me, instead they told me my only option was to proceed with the letting the home sell at auction. I was in the process of getting the reinstatement amount out of my mutual fund but unfortunately the process can take 30-45 days to which I explained to Fay Servicing and they refused to allow the extension of time to allow me to do so. 
Additionally, the beneficiary of this loan is XXXX XXXX XXXX XXXX, whom was never registered in the State of California to do loans. Because they were never registered in the State of California the Deed of Trust shall be void ab initio. 
My violations as a homeowner have been severely violated at this point and Fay Servicing has failed to provide me with the opportunity to save my home.