WillisBack/dataset-financial-user-claim huggingface dataset:
I bought a XXXX XXXX XXXX from XXXX XXXX XXXX XX/XX/2017, since then the battery has died on the vehicle 3 times already. I have had the battery checked and the battery cells are fine. So on Monday XX/XX/2017 I called and spoke with XXXX who stated that it sounds like the alternator is going out and that they can finance the repairs which will be in addition to the {$380.00} I already pay a month!!!!! That is totally unacceptable seeing that I just paid to register my vehicle XX/XX/2017! I would not recommend this lot to anyone. I have to choose between paying my truck note or paying for repairs which I can not do every 2 weeks! Let a long can I afford either missing work or being late to work especially when I am making my payments consistently on time! 

After going back and for trying to figure out what was wrong, being told by the delearship and others who had tested both my alternator and battery that stated there was absolutely nothing wrong with my alternator and allowing XXXX XXXX to replace the 2-3 batteries  that they replaced I was tired and over the whole situation and allowed them to have the truck back after 11 months of XXXX ... .So before they picked it up the manager over XXXX called and tried to rectify the situation by saying.. '' Mrs. XXXX as I understand you are a highly valued customer with a great payment history and we want to try and help you ''. Yes of course they want to help after they are not going to receive another payment. However at that time I was able to obtain a more reliable vehicle from a lot I know for an absolute fact will get the job done. 

I am upset at the fact that after paying on time for 11 consecutive months I have a repossession on my credit that I totally disagree with. Not to mention the text messages from 'XXXX '' after they had already had the vehicle to try and prove a point to say it was nothing but the alternator after so many times of me either missing work or going later for an alternator their shop said was fine. 

I would like the repossession that is being reported moved off of all my credit buerau reports that it is being reported to.
ISSUES WITH PROPER PAYMENT ALLOCATION TO THE PRINCIPLE BALANCE AS AGREED FOR FUNDS IN EXCESS OF THE MINIMUM AMOUNT REQUIRED. IN ADDITION ACS XXXX XXXX HAD REPORTED A DELINQUENCY IN ERROR OVER 6 YEARS AGO THAT IS STILL SHOWING IN MY CREDIT FILE AFTER MULTIPLE DISPUTES THAT HAVE NOT RECTIFIED THE MATTER. THANK YOU FOR YOUR TIME AND EVERYTHING THAT THE CFPB IS DOING TO HELP REMOVE FRAUDULENT PRACTICES FROM THE SYSTEMS YOU OVERSEE.
This was an attempt to get them to remove their complaint against me on my credit report. I paid them {$510.00} on XX/XX/XXXX, I have talked with them about this, they said they never received any money from me. I emailed a copy of the transaction from my bank, to both companies involved, UNIFUND LLCXXXX XXXX XXXX XXXX XXXX, Oh XXXX, and to XXXX XXXX XXXX XXXX XXXX Subject XXXX. To this date XX/XX/XXXX, it is till on my credit report. I will attach a copy of my bank transaction to this so you can see what I'm talking about. My contact at UNIFUND LLC was XXXX XXXX, Chief Compliance Officer XXXX XXXX XXXX email XXXX, she told me they hadn't received any money and that XXXX  was the one incharge of this at XXXX XXXX. I just want it removed from my credit report as I paid it with good intentions that it would be removed.
Rescue funds brought this mortgage current in XXXX of 2016. {$1200.00}. Attached is the letter used to show amount needed to reinstate the loan at the time, with a date it had to be sent in by. Since then, the borrower has made each monthly payment. She was informed recently that she is delinquent again in the amount of {$400.00}. This should not be possible, as the rescue funds reinstated the loan to current and the borrower has made each payment since. I contacted CITI on XXXX/XXXX/2016. I spoke with a woman named XXXX. I asked her how it was possible that she is delinquent again when we sent in a check for the exact amount they told us to. She would not give me information about when the payment was due from, she stated " she did n't know. '' But, she " thinks '' it was from somewhere back when the client filed bankruptcy. If that was the case, then why was this amount not included in the amount given to bring the loan current in XXXX? The only assistance she could offer was to send a " payment history '' to the client that we can review to find out where the payment became delinquent. Please see attached " payment history. '' I have been XXXX for 4 years and I certainly can not understand the document they sent to the borrowers. I have no idea how a borrower is supposed to understand it. The borrowers are on a fixed income and the amount sent to reinstate the loan was a one-time payment. What we thought would ( and were told ) would bring the loan current. CITI stating the borrowers are still delinquent is incorrect and extremely frustrating, especially when they will not tell you why or how.
Bank of America Home Loans Division in XXXX XXXX, Texas along with their underwriting department in XXXX Texas, declined my mortgage loan application, one day prior to a scheduled closing for our new home at XXXX XXXX, XXXX XXXX, Texas XXXX. I have significant evidence that the denial, which the bank claimed was due to not meeting the required Debt-to-Income ratio, was based on false grounds due to a gross error made by BOA 's lead underwriter in interpreting my 2016 year-to-date self-employment/company Profit and Loss statement. The application review also contained numerous other unwarranted delays as well as sloppy clerical practices and bank errors and omissions that were unprofessionally handled. Ultimately, the rejection of the loan application may have potentially may have violated the bank 's own lending policies and I am seeking Federal assistance to look into this matter in detail. I am also seeking a financial settlement for economic damages related to having to renegotiate a new loan application which delayed my move in date for four weeks.
Ive spoken to transunion customer service several times about these inquiries and collections their under multiple spellings of my name different social securitiy numbers and birthdates even sent in a paper showing Im a victim of identity fraud and they wont take care of the negative inquiries and collections reporting on my report Inquiries *coaf XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX *leasing XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX XXXX XXXX desk XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collections account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX * XXXX XXXX XXXX in the XXXX XXXX XXXX $ XXXX XXXX collections and XXXX XXXX XXXX XX/XX/XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bank XXXX XXXX $ XX/XX/XXXX *credit collection XXXX XXXX XXXX $ XX/XX/XXXX XXXX
Over the part 9 months, I have made prepayments on my highest interest rate loan that is serviced by Navient. During that time period, Navient, rather than apply my prepayments to the loan I specifically designated, applied my prepayments to my lowest interest rate loans.
I am submitting my second complaint through CFPB for the removal of a released tax lien on my report. The first response I received said it simply updated the status to " released '' and it still violates the new NCAP rule. I have submitted a dispute through Equifax and have not been able to retrieve the results but am certain that it has not been resolved to my or NCAP 's rules as it has not been removed from the report. 
I sent the following documents to Equifax for my dispute with them earlier in the month.
I have been trying to obtain information on how to remove co-borrow from the loan, (  XXXX  ) per the request of my co-signer since the middle of  XXXX  of   XXXX   (  XXXX  ) with no success. Per my conversation with the CSR they did not have a detailed history of my account and would have to submit a research request to Nelnet for further information. On  XXXX   XXXX  I received an email only contains a list of my transaction history from  XXXX  loan disbursement {$8800.00} to current balance of {$7800.00 } ( whi ch brought up another concern of why my paying for an  XXXX   XXXX  dollar loan 15 years later. I have not received the requested information yet and no answers of the process. I have been the sole payee of this loan from d ay one
I have been dealing with the credit bureaus for over 6 months now in regards to a XXXX XXXX account that is reporting inaccurately on my credit report. In XXXX I sent a couple letters asking to look into the accuracy of what was reporting and 30 days had passed without an answer on their investigation and description of the procedure. Additionally, in Late XXXX I mailed a lack of response letter asking why nothing had been corrected or deleted to no avail. I've also reached out to XXXX XXXX and the only response I got was a letter sent from a " convergent outsourcing '' which is a different company. 

I know the bureaus get paid money from the creditors to report negative and positive accounts as a business product. It's extremely unfair because it allows the creditor to report whatever they want and the bureaus claim they verified the accuracy without showing how they reached their conclusion. 

Attached are some of the most recent letters that have gone out. My complaint is against Transunion and XXXX. Hope this can help me move on so my family can prequalify for a new home. Thank you
I recently filed a complaint against Citi Bank on your sight. I tried to enter your sight today but was denied access.. Your case # is XXXX my name XXXX XXXX I received a letter from Citi Bank and cc 'd to you. It stated that they were unwilling to change the rate they issued to me, to the rate they originally offered to me..The reasons they stated are untrue..They said I did not apply on the website included in my letter..I used XXXX as directed and was directed to the application page upon which I applied..Citi Bank is in complete control of their websight and I am not.. Secondly their letter states that by applying for the account online it. initiated a lenghty process to determine credit worthiness. I was told in my original guaranteed offer, that to receive the 0 % for 21 months then 12.99 % after that i had 3 options available to me. # 1 fast response via the website for Citi Bank as shown above. # 2 call XXXX. # 3 mail the form. I chose doing it online with opion # 1. The offer was good until XXXX/XXXX/15. I applied on XXXX/XXXX/15 well within the time frame of the offer.. it is obvious by my phone and mail contacts with Citi Bank after receipt of the credit card that I was not given the rate promised but XXXX 10 % higher..I have not used the credit card and will not, until the interest rate is changed to what was offered to me originally .. As I stated in my original complaint to you, I feel like this is a bait and switch tactic by Citi Bank.. So far I have only received a letter from Citi Bank but nothing from your agency..I would appreciate a response from you after your investigation into my entire complaint..
Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that were opened fraudulently.
I am out of the US and need my IRS XXXX tax form. My loan with Loan to Learn was paid off in XXXX XXXX and this tax form is the last thing I need from them. I called and spoke with XXXX reps and a supervisor and was informed that their company does not have the appropriate security measures in place to send me the form electronically or even by fax. Also due to the cost they are not able to mail me the form in XXXX. I was given the information verbally which is useless being that my taxes are being prepared by a 3rd party, again because I am not in the US, or I could send an email with a letter stating I approve my SSN to be mailed along with a pre-paid shipping label. This is 100 % not acceptable for any company operating in XXXX. It is putting unnecessary burden on the customer. I fail to see how they can justify USPS as the only secure means to send tax information.
When I asked to have my loan adjusted for Income Based Repayment there was some miscommunication with how and when this would start. My auto payment was deducted from my account, at the correct adjusted amount, but then I was told I owed an additional amount for the month. I called Navient and they are working on the issue but the constant phone calls have not ended. According to them my account is 12 days past due.
On XX/XX/XXXX I booked to go on a cruise through an agent, XXXX, with XXXX XXXX XXXX for {$4300.00}. When the XX/XX/XXXXstatement was received I paid the statement balance of {$4800.00} on XX/XX/XXXX, which of included the {$4300.00}. Since then I have had an ongoing struggle to explain to Chase, the card issuer, what happened next both in many telephone calls and in seven letters to date. Chase is charging the account interest and fees. I insist that my account was paid on XX/XX/XXXX in full. I have always in my entire life paid my credit card in full every month. I have also told Chase to close my account and I have destroyed the cards. I have not used the card since XX/XX/XXXX.
XXXX XXXX XXXX is falsely saying I wrote a bad check at a XXXX store # XXXX in XXXX, Georgia on XX/XX/2018 for {$230.00}. I have e-mailed them saying this is NOT me! I live in Nebraska and never even been to Georgia! They sent me a declarations page to sign ( included ) saying I didnt receive any benefits or value from the check. I signed it and sent it back. Now they sent me the same page to sign again and another page requesting my personal info ... ssn #, checking account info etc. Of course they wont be getting my personal info. This isnt an identity theft problem because no moneys have disappeared from my checking account. Instead I believe its a scam but, they wont go away. Ive read of others having the same problem with XXXX  and it always begins with a supposed bad check written to an out of State XXXX. Ive included pictures of 2 letters they sent me and I have more but, if I can fax them to you it would be easier. Thanks. My case ID is XXXX and tracking number is XXXX
I am a consumer that receives free FICO credit scores with my monthly statements.   I pay all my credit accounts on time and I have a very lengthy and old credit report with all  XXXX  credit bureaus in excellent standing.     In  XXXX    XXXX  , I received a FICO score on my monthly statement from  XXXX   XXXX  that was significantly lower than the month before due to " serious delinquency '' being reported to them from  XXXX  and it is still there to date. I have tried to resolve this incorrect information with  XXXX  and they said the information is coming from  XXXX , and I contacted  XXXX  and they keep saying that the information is not coming from them!   In  XXXX    XXXX  , I received a letter from  XXXX   XXXX   XXXX   XXXX , explaining why they could not accommodate me for financing based on information obtained from  XXXX , first reason they listed is " serious delinquency '' too recent or unknown.    XXXX  will not help me get this info removed from what creditors are receiving, they keep saying they are not reporting this information!!
On XX/XX/2018 i sent over a complete modification packet. loan care refuses to review my documents and help me with an obtaining an affordable payment. i have left numerous voicemails to management and the single point of contact which never call back. Agents and representatives that do get on the phone are not helpful always rude and not once want to answer any questions they always transfer without giving the opportunity to explain and then never get called back. the more they refuse to work with me and more against me the more i fall into default and i am not wanting to lose my home. i need all the help i can get moving forward.
Please see attached narrative regarding complaint. Collection agency took illegal steps and filed a XXXX against me with the XXXX. ( Narrative and complaint filed by XXXX advocate on behalf of the individual named herein. )
A company named XXXX XXXX, XXXX has been contacting me for over a year, and will not cease telephone calls, despite my requests to do so. 

I do not owe this debt. 

I have no knowledge of this company, nor have I ever dealt with a company of that name.

They call me from different telephone numbers from XXXX XXXX. and throughout the day.

When I ask for contact information or written response, they hang up.

I have {$0.00} debt and all my accounts are in good standing.

This company has reported to the credit agencies and affected my good credit.
I have tried several times to upload documents via https : //www.experian.com/XXXX but i keep getting the same error message stating it can not upload. I am trying to upload the written request and proof of ID to remove the fraud alert from credit file. I have been denied numerous credit applications because creditors can not verify my identity. I have submitted requests prior to remove the fraud alert but it still exists.
In XX/XX/XXXX, I had a medical procedure carried out at XXXX XXXX XXXX ( XXXX XXXX ), XXXX, XXXX by a doctor from XXXX XXXX XXXX and disputed the massive bills received, without response them. So I lodged a complaint with the XXXX AG 's office as I resided in that state at the time. In early XX/XX/XXXX I moved to XXXX so the AG transferred my complaint to the XXXX AG. For the purposes of this complaint, XXXX XXXX billed me on XX/XX/XXXX for {$5400.00} with a due date of XX/XX/XXXX. I received this bill on the same day I received a Delinquency Notice from Harris & Harris , Ltd of Illinois for {$6200.00}, made up of the {$5400.00} amount mentioned and an earlier claim for {$800.00}, which was subject to my original complaint.

So, either XXXX XXXX transferred a debt to Harris & Harris that had not reached its due date, or Harris & Harris are trying to scam me for a debt that is not owed and which is subject to an AG investigation
I am filing this complaint against CAPITAL ONE credit card ( account ending XXXX ) for ignoring my complaint about a fraudulent charge of {$470.00} made to my account XX/XX/2015 and made through XXXX. Every time I call CAPITAL ONE and complain, they take off the charge, but with every other statement I am rebilled. They do not send me any details as to where this charge originated or for what item I am being charged {$470.00}. I called CAPITAL ONE during the XXXX week of XXXX and spoke to their agent, who subsequently got XXXX representative on line, who checked their records but could not verify where this charge originated, and hence confirmed that the charge was fraudulent. 

CAPITAL ONE 's representative online assured me that I would be receiving an email regarding this transaction as a fraudulent charge but I have not received any follow up information either by email or ordinary mail. I am now being rebilled without any reason for this charge. I called CAPITAL ONE again on XX/XX/2015 and spoke to their representative who identified himself as XXXX and who took a long time to explore his records but could not help. I was requested to call back again the next day. I am tired of the run around and want CAPITAL ONE to reverse the charge of {$470.00} from my account. I DO NOT RECOGNIZE THIS CHARGE AND I REFUSE TO PAY FOR either XXXX or Capital One 's error. 
Please see my bank statement PDFs
Our XXXX year old XXXX boys were being seen by speech therapist at XXXX XXXX 's hospital in XXXX Ohio. Our healthcare provider ( XXXX XXXX XXXX ) began paying for the treatment for the first 6 months. Suddenly, XXXX XXXX XXXX stopped paying for the speech therapy sessions. We were contacted by the billing department of XXXX XXXX 's Hospital of an outstanding debt. When we contacted XXXX XXXX they claimed that XXXX XXXX XXXX XXXX had never received authorization to provide XXXX to the boys. In addition, XXXX XXXX alleged that the contract with my employer had changed and the boys were no longer covered for XXXX. My employer ( XXXX ) maintains that there was no coding change in the contract between the city and XXXX XXXX. XXXX XXXX 's Hospital claims that authorization was given by XXXX XXXX to treat the boys. At this time we have no idea of who is being forthright. Had we known in advance that the therapy sessions would not be covered, we would have taken a different approach. At this time XXXX XXXX 's hospital has sent our account to collections claiming that we owe over {$2000.00}. Again, XXXX XXXX paid XXXX XXXX 's XXXX for nearly three months while the boys were going to XXXX. If authorization was not give to XXXX 's Hospital than it is my belief that the hospital should have notified us. If a request for authorization was not received by XXXX XXXX then why would they pay close to {$1000.00} in medical expenses. Finally, it would be incumbent upon XXXX XXXX and XXXX XXXX XXXX Hospital ( XXXX ) to notify us that the insurance would not cover the treatment. Especially before it reach the level of thousands of dollars. No one has been able to explain to us how we arrived at this point.
Wells Fargo stated that they sold the loan for my property effective XXXX/XXXX/2015. They claim the loan was transferred to XXXX Mortgage. I called XXXX Mortgage several times and they claim, the mortgage has not been transferred to them. XXXX Mortgage was the previous servicer of my loan. I did not receive any information regarding a loan transfer. Today, Wells Fargo confirmed that they have my correct address, in XXXX. The representative from Wells Fargo stated a letter regarding the transfer, to XXXX Mortgage was sent to a different address in XXXX. As of today neither company is accepting the XXXX 2015 payment for the loan. My primary concern is that no 30 day late payment is reported on my credit report.
in XX/XX/XXXX my daddy XXXX  XXXX ciiti financial sent him letter were we lived an said they want to foreclose on a second mortgage we did not know about. XXXX XXXX my XXXX XXXX daddy had XXXX i took care of him and now is sole owner of the deed. so i started to investigate and found out that loan was satisfied in XX/XX/XXXX and he was paying XXXX dollars a month till XXXX that when they came after him. my sister was handling his money and the bills also upon my investigation i have that my daddy had a medical report in paper from a doctor that he 0 out three recall. the remaining balace from citifinancial was XXXX dollars. and of course when i provided them evidence that i still have they forgive that loan quickly i sorry i do not how to upload but i have a fax machine. here is some info ; estate of XXXX XXXX account ; XXXX son ; XXXX XXXX owner son address ; XXXX XXXX XXXX XXXX fl phone XXXX you probably know what i what. please morning call if you can my family want pursue thats real money THAT THESE PEOPLE STOLE FROM MY DADDY