WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2014, a finance adviser at XXXX XXXX XXXX confirmed an approved vehicle loan application with Fifth Third Bank in my name. That day at the dealership, I was given a Fifth Third Bank Note to sign and I was able to leave with vehicle. Waiting for Fifth Third monthly payment statements. I received a demanding letter for payment from a different bank XXXX. I was suspicions that this was fraud and a scam, because listed on my vehicle title as a lien-holder was only Fifth Third Bank and the finance adviser at XXXX XXXX never mentioned XXXX. I sent notices to both banks demanding for answers. For months, I was unsuccessful in finding clarification. Without a court order or notices my car was illegally repossessed by XXXX. On XX/XX/2014, a letter sent by a Fifth Third Bank specialist, XXXX XXXX stated that my loan application was declined on XX/XX/2014, and the bank routed my declined application to Santander for approval. I did not authorize this transaction and I was denied the right to declined XXXX 's loan offer. XXXX have illegally repossessed vehicle before and there is a case against them that proves that. United States of America vs. XXXX XXXX XXXX. Furthermore, the dealership never asked for the car back, because of a declined loan XX/XX/2014 and I never received any notices of explanation from Fifth Third Bank or the Dealership before or on XXXX stating that my loan was declined. Both banks and the dealership have been deceptive with the loan transaction and Fifth Third Bank are still listed on my vehicle title. I also have letters from XXXX contradicting Fifth Third claims.
XX/XX/XXXX I agreed to " pay '' for my Step daughters ( XXXX XXXX XXXX lease deposit for her student housing XXXX, one of the conditions they had ( I found out after the fact in reading the lease ) for her was that she had to have a cosignnor in order for the lease to be signed. Bottom line when they XXXX forwarded the paperwork for me to sign ( for the lease deposit ) it was asking me to sign on her behalf for the lease. I REFUSED and immediately told her I would not. 

This company " Hunter Warfield '' within 30 days of my refusal to cosign and or sign for the lease ( On XXXX behalf ) started calling me at my place of business, my home and my cell phone weekly threatening me with lawsuits demanding me pay in full for a lease that was never signed ( THEIR OWN TERMS WERE GET A COSIGNOR WHICH SHE COULD NOT, AND NEVER DID ). She told them numerous times she could get no one to sign on her behalf. She eventually found other housing with oter students. It took me over a year just to get the harassing phone calls from Hunter Warfield to STOP. 

Now XXXXforward to XX/XX/XXXX, I decided to refinace, I have a derogatory collection account on MY CREDIT REPORT from Hunter Warfield. I have contacted them numerous times asking what and why I have a {$260.00} unpaid collection charge on my account. I have no clue what and or how this is and neither I nor XXXX ever signed anything agreeing to any charge with this company XXXX. 

in communications with a XXXX XXXX ( Manager at Hunter Warfield, he is no longer there by the way ) he did indeed admit that no lease was ever signed and XXXX XXXX never moved into this facility, he suggested I get a letter from XXXX stating I should not have any costs associated with XXXX or myself and he would work to clear this from my account. 

I got a letter from XXXX XXXX XXXX University stating just that, It is not my charge nor my Step Daughters expense whatsoever, now I 'm dealing with XXXX Hunter Warfield and he is saying now that he needs to " verify '' via letter XXXX that I do n't owe something that I have no clue as to what or why I owe any money whatsoever. 

How is it a company ( I have no idea who Hunter Warfield is, nor did I ever sign any document with them ) can just put a bogus charge on my credit report with zero back up documentation.
Each time I dispute with Equifax I receive a generic response only after a few days of my dispute. Equifax stated that I did not list the account names, numbers, etc for my disputes. Well I have uploaded proof of my letters I mailed with the account numbers etc that match the information I pulled from my Equifax file. The only information I have is what 's provided on my report. So I do n't understand what other data would I have to include. Nobody has validated any of these negative items. Also Equifax is removing some of my inaccurate inquiries. But when I first disputed it they advised me that these inquiries were a factual record of file access. Each letter I send explains why I am disputing these transactions. I keep records of everything. It 's not nice for Equifax to practice dishonesty especially if they do n't know what documentation someone possesses. All I want is what is fair. After 2 letters Equifax has failed to validate not verify these items on my credit.
I 'm kindly requesting that someone please investigate Experian. This is my second letter to them and I 'm getting no results. There has been a bank error and I have attached proof to show. Furthermore, I do not believe that XXXX using their XXXX system conducted a proper investigation. 

Please see attached documents relating to the complaint
Dear Freedom Mortgage, Your letter dated XXXX XXXX was received the week of the XXXX. Whereas you have received payment your demand for payment and a late fee is not valid, any late fee imposed is fraudulent. Whereas the bank has verified that the moneys where deposited/transferred in to Freedom Mortgages account in XXXX, XXXX and XXXX your actions are harassment, your threats are counterproductive. As your demand for payment letter was not mailed on XXXX XXXX assuming 3 days for mail we conclude the letter was not mailed tell the XXXX of the month at the earliest. Based your customer service over the years and after speaking with your customer service and being refused to be allow to speak with a supervisor it is clear that your company is not customer oriented. Based on you letter and your actions it is your goal to force property in to foreclosure to incur fees, cost and other amounts that you see fit to impose. 
Of note XX/XX/XXXX to XX/XX/XXXX is 31 days not 33 days. 
Please provide in writing your plan to prevent further miss placement of funds.
I made a XXXX payment on complete accident. I called on XX/XX/XXXXand asked for it to be returned. I even made XXXX $ to cover the minimum payment. They finally said they would do it and took my DDA info over phone. I was very unclear on the expected timeframe. I called today XX/XX/XXXX and they said it was declined. I talked to a " manager '' XXXX  ID XXXX. Who was incompetent and clewrly not well trained. He could not tell me why my request was declined. All he could REPEAT was to wait for the letter. I can't believe you don't have to software to tell me why or see the letter. I filed a formal complaint with him. This CFPB Complaint and will be faxing. I demand the money that is mine to be returned to me.
XXXX filed a lawsuit against me and on XX/XX/XXXX levied my entire bank account without notifying me of any of this. This is from a debt that is over 7 years old I believe, and that I had believed to have been settled years ago. I had no idea this debt was still active and no idea any lawsuit had been filed. The docket number I found out after I called because my bank account was levied is XXXX.
XXXX XXXX account is a secured deposit credit card account opened XX/XX/2015. I sent XXXX a {$500.00} security deposit and never received the card. I did not activate or make any charges on this account. The account was auto charged and began reporting to all 3 bureaus without my knowledge and without my capability to make payments or obtain any information about this situation. The contact information for this company was inadequate on their website. I was charged {$500.00} and never received any services in exchange, adding the negative reports on my credit adds insult to injury.
XX/XX/18 - " Cash Equivalency Fee '' of {$20.00}, ( 200 % ) posted on a {$10.00} Ohio Lottery Transaction at Grocery Store, because cash-receptor on vending machine was jammed.

Apparently a state-owned, public lottery vending machine is considered a Casino by US Bank?

I'm tried without success to find this fee equivalent in my Cardholder Agreement without success and got nowhere with US Bank Cardholder Services.
I am attempting to transfer an HSA account from " XXXX XXXX '' to " XXXX ''.

My XXXX XXXX  account included a self-directed brokerage account provided via " XXXX XXXX ''. This account is opened by XXXX XXXX on my behalf.

I submitted my transfer request to XXXX   on XX/XX/XXXX, and they forwarded this request to XXXX XXXX. My XXXX XXXX account, which is opened/closed by XXXX XXXX, was closed and liquidated back to my XXXX XXXX  account on XX/XX/XXXX. This is noteworthy because it confirms that XXXX XXXX received my closure request no later than XX/XX/XXXX.

It is now XX/XX/XXXX, and XXXX XXXX has still not forwarded my funds to XXXX. There has been no activity sinceXX/XX/XXXX. The funds have been sitting in my XXXX XXXX account, earning below-market rate interest.

On XX/XX/XXXX I was charged the {$2.00} monthly fee, despite my intentions to close the account.

I have attempted to contact XXXX XXXX by e-mail, online chat inside online banking, and by phone. E-mail and chat representatives are not willing to help, and direct me to call instead. I have tried calling and the phone system will take my information, place me on hold for 10-15 minutes, and then hang up on me, presumably because nobody is available to take my call. Nobody is willing to help me.

I suspect XXXX XXXX is dragging their feet to charge additional monthly fees and earn the spread in interest rates between what they earn and what they pay me. I can not prove this.
I obtained a loan from XXXX XXXX ( later Navient ) while attending my XXXX university in XX/XX/XXXX. As an aside, it was reported that the university received kickbacks for me being pushed towards this loan service company. I later enrolled in XXXX in XX/XX/XXXX. As a full-time student, my loan was automatically put into deferment. In XX/XX/XXXX, I was notified that a payment was late. I was billed, with less than 30 days notice, for a full repayment payment. I called and spoke to customer service multiple times, and was told that my loan was taken out of deferment each winter break and every summer break ( for my XXXX year period as a full-time XXXX ) because " I was not taking classes during the break periods. '' As a result, my interest capitalized a total of XXXX times from the time I enrolled in XXXX until the time I graduated XXXX years later ( XX/XX/XXXX-XX/XX/XXXX ). Instead, since I was in deferment as a full-time student, interest should have been capitalized only once upon my graduation in XX/XX/XXXX. This unreasonable service of the loan is in complete conflict with the concept of full-time student deferment. No other loans I held during this period ever capitalized interest ( XXXX, XXXX, XXXX and XXXX ). Aside from the issue of wrongfully capitalized interest and forced payment with a late fee, XXXX and Navient have also failed and refused to provide me with a proper interest statement for tax filing. I have requested such documents and have not once received the proper paperwork. Rather, I have received notices stating " although you may have paid interest in XXXX [ insert any year until XX/XX/XXXX ] the interest is ineligible for a tax deduction. '' As a result of claiming the interest on my tax returns, I have recently received correspondence from the IRS. I was required to compile paperwork and provide supporting documents, since I am still told I am not able to obtain a tax statement from Navient, to provide to the IRS. This wrongful conduct by Navient has now resulted in delays in obtaining this years tax returns, as I am being audited for taken deductions from Navient. I have called and attempted to work with Navient to obtain information and to prevent the capitalization of interest on my loan throughout this time, but no relief or proper response was ever received. I am seeking to hold Navient accountable for the wrongful interest amounts charged, and the cost of legal assistance to respond properly to the IRS for Navient 's failure and refusal to provide the necessary tax documentation.
XX/XX/XXXX my account was reported late I had spoken with a representative on XX/XX/XXXX and she advised me my payment had been return and I needed to make a payment to avoid a late payment on my account. I immediatly took action. The representative gave me false information and my score dropped XXXX points! I am in the process of purchasing a home and this has impacted me tremendously. Please advise this company the to remove this and report the accurate information to my report. Below is the letter I sent the company. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Ga XXXX Re : Acct. # XXXX - XXXX Dear Madam/Sir, I am writing to you today regarding my account # XXXX - XXXX. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of my accounts to the three credit agencies. First of all, let me start by saying " thank you '' for taking time out your busy day/ schedule to read my e-mail. I recently pulled my credit report and discovered that I have 1 '' Late Payment accounts reported with over 31 days delinquencies from XXXX XXXX XXXX with {$0.00} balances. This distressed me because I was unaware that when i submitted my payment someone had compromised my account with my bank therefore the payment was reversed without my knowledge.This adversely affects my ability to the complete the process of being a first time home buyer/owner with a strong credit rating. I 'm just trying to make a better life for my XXXX daughters while working hard as a single mother. This late report is one of the only things standing between myself and receiving the lowest interest rate available. I realize the position that I did n't proactively check my account statuses and I apologize for that immensely. I have definitely learned a valuable lesson the hard way and hope that you take my request to remove the 1 late/delinquencies off of my credit report into serious consideration. I hope that you will deeply consider my request. I look forward to your reply. In all honesty if not I will just close my account with commenity bank giving that fact I know I will be a loyal customer and shop wisely but I just need your assistance in this matter. Credit is impoortant to me because when I found out the payment was reversed the rep assured me I caught it in time and i submitted the payment XX/XX/XXXX. I was given inaccurate information and was told as long as im not 30 days past due and she assured me I wasnt. Please let fix this and move forward. Sincerely, XXXX XXXX XXXX XXXX XXXX
I have had a mortgage with XXXX  XXXX XXXX from XXXX to XX/XX/XXXX XXXX when I paid it off early in full. I have never not once in 13 years missed or been late on a payment. Back in XXXX, I was going to file bankruptcy but changed my mind and did not go to the first court date so it was dismissed that same day its like it never happened. The court has provided me paper work stating so. XXXX  XXXX XXXX WAS NOT part of the list of creditors I would have paid, had I went through with it. In fact if I were to go through with it I would have to put my house up for collateral therefore I could not claim that debt even if I wanted to. Now all 3 credit bureaus have me defaulting on a XXXX home loan under bankruptcy when I paid it off in full never late XX/XX/XXXX. XXXX XXXX XXXX is denying they are reporting me even sent me 2 letters stating they sent this information to all 3 credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX XXXX. I have disputed Experian, XXXX  and XXXX XXXX 2 times to have this taken off and each time they all ( except XXXX took it off finaly ) tell me XXXX  XXXX XXXX is reporting to them as correct Bankruptcy?? How can this be when they were not part of my dismissed bankruptcy ( all I did was decided not to go through with it and now that's on my credit for 7 years. XXXX money was paid out to zero creditors ) I just called XXXX XXXX XXXX XXXX yesterday and they still are denying they are the ones who are reporting it. Plus they said they had sent in another update stating I have never not once been late or missed a payment. Then today Experian sends me a letter stating it will remain on my credit because XXXX said it's true.How can I get this solved if no one is confessing to reporting it. My last name on my mortgage was XXXX. I have since divorced and it's XXXX on my credit reports. Did someone stop to think this might be a problem causing some if the confusion? But either way I have busted my XXXX and spent hours on repairing it. I feel like neither of these companies have tried very hard or it wouldn't be on there. It's not correct information and Nice way to treat a customer that paid on time and paid the loan off early in FULL. I don't know what to do at this point. Someone is not doing their job or lying to me. I'm thoroughly disgusted how much time and effort I've had to put in trying to get this removed.
Applied for a loan XXXX-XXXX-2017 with Nissan Motor Acceptance of XXXX tennessee advised the sales rep that I know what my credit score issue subscribing to the credit agencies credit score at the time was a XXXX and advised the company that I only want my credit ran through Nissan due to being a well qualified buyer. My sales rep was XXXX and the used car sales rep was XXXX. The car that I wanted was not in house XXXX had to travel to XXXX to pick up the car. XXXX the FOLLOWING DAY Saturday XXXX I started to get credit alert notifications. There were about 20 different inquiries showing on my account where XXXX had ran my credit so many times. And my credit score had dropped to a XXXX. When the store opened Monday I called and spoke to Managment by the name of XXXX the GM he stated over the phone that he would do what ever it took to make it right. I advised XXXX That I had the opportunity to contact some of the creditors and they had informed me that to get the company being Nissan to write a letter requesting to remove the inquiries. After speaking with XXXX and informing of what actions that needed to take place he agreed to derive a letter explaining the situation so that I may get the inquiries removed. I advised XXXX I could have had a better I interest rate also had the request of my credit only being ran through Nissan been completed. I advised him that I have a credit alert all over my credit and this was not surprised to have happened. Mean while waiting on the later and seeing that I had not been contacted ; I returned a call back to him. XXXX Stated that he could not issue a statement putting the do company at fault for any malicious intent. I STATED THAT IT WAS NEGLIGENCE ON THE COMPANIES BEHALF THAT THIS HAPPENED AND BECAUSE OF IT THIS HAS AFFECTED MY CREDIT AND MY ABILITY TO DO OTHER THING LIKE REFINANCING MY HOME. I CALLED NISAAN CREDIT TO ALERT THEM AND THEY DID NOTHING. PLEASE HELP ME ....
My name is XXXX XXXX XXXX XXXX XXXX and XXXX for the XXXX XXXX XXXX XXXX XXXX. Please Consumer Financial Protection Bureau, its time to stop the lies from lending institution like Ditech, reported by one of your report to Congress as the third worse servicing company. 

Again Ditech has no internal issue, the only issue with Ditech is that they generate INN letters to cover themselves from complaints and government they have that capacity but do not send them to the clients. 

Again I have sent cover fax pages of the many times we have sent packages to them and they totally ignored all of them by calling them an internal issue. They want to work with our client, but the XXXX number is not working and no one answer their phone in the meanwhile their attorneys eager to get this XXXX XXXX house sold on the XXXX, XXXX. The sale date cancellation was due to a defense presented by our firm, not Ditech, they were totally oppose to stop sale. And yes sale date is onthe XXXX, XXXX and look what we have received from them, last letter dated XXXX XXXX, XXXX. Additionally, two letters received by Ditech dated the same date on XXXX XXXX, XXXX, this file was underwritten the same day? Let 's stop the fraudulent activities.
I have disputed items with all 3 Credit Bureaus over 2 years the still havent corrected it! 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Ga. XXXX See attached XXXX
On XXXX/XXXX/XXXX I faxed XXXX affidavits regarding XXXX unauthorized debits to my Suntrust savings account. 
I also called Suntrust on XXXX/XXXX/XXXX regarding XXXX unauthorized checks debited from my savings account and was provided with XXXX case numbers. On XXXX/XXXX/XXXX I received 2 letters informing me of credits to my savings account from XXXX of the unauthorized checks. On XXXX/XXXX/XXXX I took the XXXX affidavits that were mailed to me to a Suntrust branch to have them witnessed, notarized, and interoffice-mailed from the branch. On XXXX/XXXX/XXXX my savings account was credited for the XXXX checks associated with the XXXX affidavits. 
The remaining check amount of over {$2000.00} has not yet been credited back to my account. I never received an affidavit for this claim made by me on XXXX/XXXX/XXXX. I have called Suntrust fraud department 8 times between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX regarding the status of the remaining claim. On 6 of those calls I was told that the claim is still in process, that the case would be escalate, that I would be contacted by phone or email with 72 biz day hours, and on at least one of those calls I was told that an affidavit was not required at that time. I have not been contacted by Suntrust by any method regarding this final claim. On my last call today ( the first call was dropped after being put on hold ) after I advised the associate that I would report this situation to CFPB, the media, and/or upper management, I was advised that an affidavit would be sent regarding the claim.
For the second time in the last two years XXXX XXXX XXXX XXXX has set my property for sale and engaged in egregious collection tactics. After the first time approximately one year ago, I sent this organization a cease and desist on the basis that XXXX XXXX XXXX have provided them with misrepresentations to give them the power of engaging in this action. I believe at that time that XXXX XXXX XXXX XXXX did the right thing and discontinued their harassment of me knowing that they had no legal basis to do so. XXXX has provided continual fraudulent documentation and misleading statements to XXXX XXXX XXXX XXXX in an effort to extort monies from me to which they are not entitled. There is no chain of title that is not clouded despite the efforts of XXXX to file fraudulent documents with the County recorder 's office. I am currently attempting to resolve the situation with XXXX XXXX XXXX XXXX to no avail. They continue to pretend that the documents provided are legitimate knowing that my intent will be to file lawsuits against them either pre-or post-foreclosure. This brazen disregard for the law should not be tolerated and XXXX XXXX XXXX XXXX should stop aiding and abetting a company that is having lawsuits filed in court every day, many of which are demonstrating that XXXX has a pattern of falsifying documents. Lastly, all of these perpetrators are relying on a pass through account as their basis for legal rights regarding my loan. I have proven to all of them time and time again that my loan has nothing to do with the XXXX XXXX pass through account to which they refer. Even XXXX XXXX has refused to offer any type of support to these criminal organizations to support their actions. On the contrary, XXXX XXXX requested in a directive to all " servicers '' to stop. However XXXX and quality are intent on making as much money as they can off of this chaotic situation.