WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX a direct debit was taken from my account for {$69.00} and evenly applied across loans I had already paid off. This brought me to a negative balance, over-paying for loans that were already at {$0.00} balances. I called to make a complaint on the phone but was not given an email confirmation or an exact date for reimbursement. I 'm unclear if errors like the below were made in other direct debit payments taken from my account. I would like a refund on this amount, and assurance this error was not made across the payments I 've been making for the last four years. Below is the list of loans the XX/XX/XXXX debit was applied to and the date the loans were paid off in full : XXXX Stafford ( Paid off on XX/XX/XXXX ) XXXX Stafford ( Paid off on XX/XX/XXXX ) XXXX Direct Loan - Subsidized ( Paid off XX/XX/XXXX ) XXXX Direct Loan - Unsubsidized ( Paid off on XX/XX/XXXX ) XXXX Direct Loan - Subsidized ( Paid off on XXXX/XXXX/XXXX ) XXXX Direct Loan - Unsubsidized ( Paid off on XX/XX/XXXX ) Thank you very much, XXXX XXXX These loans are for the University XXXX XXXX XXXX XXXX I graduated in XX/XX/XXXX.
On XXXX XXXX, XXXX, I made my final payment to Santander Consumer USA for my vehicle. In spite of bankruptcy, I paid every payment due Santander Consumer USA and they kept the title to the car. I have not been able to get the title to the car. When I called inquiring about the title, XXXX representative said my title was mailed ; however, it was mailed to the wrong address. I was offered a " lien release '' letter instead. I have had the same address from the signing of the contract in XXXX. The representative could not explain why all of a sudden they had an incorrect address. 
My daughter called me and I told her what happened. She told me to call back and ask for a manager. We spoke to a second representative who initially said the car was paid off in XXXX and the title was mailed at that time. Upon insisting that the information she had was wrong, she finally said that the title was sent via XXXX. We then asked about a tracking number. She informed us that there was no tracking number. We asked for a manager. She said that she would see if XXXX was available, and if not, we could leave a message. We then asked how long would we expect to wait prior to receiving a return phone call. She said they were not legally able to make phone calls. 
In conclusion, I was told that 1 ) my title was mailed to the wrong address, 2 ) the title was mailed in XXXX, 3 ) the title was sent via XXXX, but there is no tracking number. It took several tries on the phone to get to a customer service representative, then I was given conflicting information ; and most importantly, I still do n't have my title.
I attempted to get my house refinanced with Chase Bank. After speaking with XXXX XXXX NMLS ID XXXX, he informed me everything looked great! My credit was excellent, my income and assets were great! After initially telling me the loan was approved, Chase quickly realized it was n't in their best interest to approve the loan, because the interest rate would have declined almost XXXX points. 

XXXX was very reluctant to do any email communications, instead he wanted to discuss the issue over the phone. I own XXXX businesses which are XXXX 's, which basically flows all income through my personal income tax. XXXX knew this up front and it did n't seem to be an issue. I was able to show XXXX over $ XXXX in liquid and I make over $ XXXX a year. My credit score is XXXX. 

When it came closer to the closing, XXXX informed me that Chase could not refinance my mortgage and gave me the following excuse as to why they could n't : '' The guideline states that we can not use business account money for the cash needed on the refinance. XXXX statements have your name of the business and can not be used. 
The only way if you wish to continue with the approval process, is if you can provide me with 2 months bank statements with all pages with just your name on it that can support $ XXXX. " Please note Section 37.13 ( b ) of XXXX Guidelines. 

Since LLC income flows through my personal income tax, I did n't see how this should be an issue, it was simply a matter of me transferring the money to my personal account. But, to circumvent me doing so, he wanted to make sure the money was in my personal account for 2-3 months prior. Since I bank and have all of my business accounts with Chase, they know my banking history and where all my money is located. 

Please have someone look into this issue. I do n't see any reason Chase would have denied my refinance claim. Furthermore, Chase agreed to return the {$570.00} back to me, but I still have n't received that back either. 

Regards,
After going through a divorce i order my credit report and i notice a inquiry from XXXX XXXX. I did not authorized this inquiry and I want it removed as soon as possible.I notice it appear two timesvXX/XX/2017 and XX/XX/2017 I notice that XXXX XXXX   give anyone a credit. I also have a credit card from XXXX XXXX XXXX XXXX that I want removed from my credit because i did not open that account. I don't want it closed i want it removed.I did not open this account and i didnt benefit from this account being open.
I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX 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 XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I have filed a complaint against XXXX where they are reporting that XXXX XXXX says I owe them {$1000.00}. XXXX came back saying that it meets the " Fair Credit Reporting Act ''. I have not done business with XXXX XXXX Bank. They came back and now show this as a debt to " Midland Funding '' who is listed as a " debt buyer '' with original creditor as XXXX XXXX XXXX. XXXX XXXX XXXX is fraudulently reporting that I have done business with them, when I have not.
On or about XX/XX/2018 we received a statement from XXXX/American Express Indicating a fee of {$95.00} for the following year. My wife asked to cancel the card and they said only the primary card holder ( me ) can cancel. She asked how long do we have and they said up to the closing date. I called on XX/XX/XXXX and asked to cancel and they closed it and since I had a credit due I don't have to pay anything. I few weeks latter I received another statement saying I owed approx {$83.00} ( {$95.00} less credit ). I called American Express and the agent told me it takes a few weeks for it to be processed. I called back a few more times with the same response. In early XX/XX/XXXX I called and the agent discussed it with her supervisor and said there is a problem and he resolved it. On XX/XX/XXXX I  received another late notice and called American Express again. After long delay the agent said she spoke to the supervisor and he will call me within 24 hours to finalize the process. XX/XX/XXXX, after not hearing from them I called again. This time she said the supervisor called on XX/XX/XXXX and was transferred to voice mail and could not leave a message. My online records show no calls for that day that were unanswered The agent could not contact the supervisor but said he will soon call me back. I verified the number with her. I have yet to receive a call.
problem is XXXX reporting what select portfolio servicing, XXXX XXXX and XXXX XXXX are sending them. I have disputed several times with all XXXX agencies and XXXX or XXXX with this cfpb. my wife and I were in a mortgage that was an A R M and before it started to change we tried to refi with no success we later ended up filing chapter XXXX bankruptcy in 2006. we still tried to keep the house and get a modification from the bank with no success ended up rolling the house in to the bankruptcy thru a modification approved and passed thru by the trustees office mortgage company was XXXX XXXX then XXXX XXXX then XXXX to now select portfolio servicing is reporting improperly to credit agencies reporting late pays 120 days or more on an account number we never had XXXX tried to say we excepting a modification and started reporting late pays on that account that was never excepted or approved if any report it should say house was surrendered back to bank in a chapter XXXX bankruptcynow we are trying to buy a new house for us butt have this big issue to fix
I 've recently contacted TransUnionXXXX XXXX and XXXX explaining that I 'm trying to clear up my credit to purchase a home. I was told I could n't get any of my closed accounts, collections and hard inquiries removed and disputed. But I was informed you could. I asked the following accounts to be removed immediately ... 1. XXXX XXXX XXXX XXXX XXXX {$70.00} 2. XXXX XXXX XXXX XXXX XXXX {$1700.00} 3. XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$610.00} 4. XXXX XXXX XXXX XXXX XXXX {$1700.00} 5. XXXX XXXX XXXX XXXX {$41.00} 6. XXXX XXXX XXXX XXXX {$0.00} 7. XXXX XXXX XXXX XXXX {$0.00} 8. XXXX XXXX XXXX XXXX {$0.00} 9. XXXX XXXX XXXX XXXX {$0.00} 10.  XXXX XXXX XXXX XXXX, XXXX {$0.00} 11.XXXX XXXXXXXX XXXX XXXX, XXXX {$0.00} 12. XXXX XXXX XXXX XXXX {$0.00} 13XXXX XXXXXXXX XXXX XXXX {$0.00} 14.  XXXX XXXX XXXX XXXX XXXX {$0.00} 15. XXXX XXXX XXXX XXXX
I paid my balance off in XX/XX/XXXX i have debit statements proof, they sent me a paid in full letter, the rep said it would be deleted from off my credit report, yet I still see it on there months later and I called to reassure on XX/XX/XXXX and a different rep said that they dont delete paid balances, then why would the first rep falsely lead me on to pay a debt that wouldve fallen off by law XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX
XXXX  ACCOUNT NUMBERs :  XXXX  AND  XXXX   XXXX / XXXX / XXXX   XXXX     XXXX   XXXX   XXXX  ,  XXXX , GA  XXXX  PHONE :  XXXX  Your company have violated FCRA  615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition  on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.   I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence (   1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A   ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.   A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.   The reference items are listed below please take this matter very serious   XXXX     XXXX  AND  XXXX  AND ANY OTHER ACCOUNT ASSOCIATED WITH THIS I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act  Litigation, Case No.  XXXX , in the  U.S. District  Court for the  XXXX   District of California Stop  collection proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX  SOC SEC #  XXXX  DOB   XX/XX/XXXX   ADDRESS  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , FL  XXXX
I am XXXX. I have been struggle to meet the payments since I have XXXX job that I have been working and still struggle to make the full payment. I have call and it take long time because I was using the relay operator.
I see that there have been outstanding complaints about Santander 's business practices. I have had a car loan with Santander for over 3 years, yet the balance owed ( {$18000.00} ) is nearly the same as when I initially took out the loan. My monthly payments of {$530.00} are too high, and has created a hardship. My last payment was made in XX/XX/XXXX.They state that this is an interest only loan ; however, the interest rate appears to be unfair. I thought the car would've been paid off by now. Yet, I still owe nearly {$20000.00} on a XXXX XXXX XXXX. I feel that I was taken advantage of by this company and its financial product, which required interest-only monthly payments without explaining that doing so would increase the total cost of the loan. Anyassistance given will be greatly appreciated.
The debt I owe through XXXX XXXX XXXX has not only contacted me after I asked them not to, but they have also called my employer and have harassed anyone that has ties to me.
Today, XX/XX/18, I was contacted by this number and asked to identify myself. I asked who was calling me and the agent stated that because they were on a recorded line they could not divulge who they were or where they were calling from until I identified myself as the person they were trying to reach. I again asked who was calling me and where they were calling from. I was told, again, that the agent could not tell me until I identified myself as the person they were trying to reach. I told the agent that they called me, so they needed to tell me who they were and where they were calling from before I would confirm or deny my identity. Again, I was told that because they were on a recorded line, they could not divulge that information without me identifying myself.
This account was originally deleted from my credit report in XX/XX/2018. This collection account reappeared a few months later. This account needs to be deleted off permanently.
Disputed an account reporting fraudulently with a social security number variation on my personal credit file with Experian. On XX/XX/2018 I received an email notification from Experian saying my dispute was ready to be viewed. Experian states the dispute for the account with XXXX XXXX XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. I am no longer able to dispute this account with Experian. I had a previous problem with identity theft last month and no choice but to file an IDENTITY THEFT REPORT with the FTC. As I am allowed to add more accounts to my IDENTITY THEFT REPORT I have since done so with the original creditor XXXX XXXX for putting this account and fraudulent social security number on my credit file. Since Experian will no longer all me to dispute this account I have to rely on CFPB to make sure they abide by the law. I have included my FTC IDENTITY THEFT REPORT and all required stated information in the report.
My loan has been sold to another mortgage company and the balance does n't reflect my payment history. When i got a loan modification they did n't roll missed payments into the balance of the loan the kept them separate and charged me interest on them, when they should have rolled any outstanding amount in to the loan durning the modification. So basically my loan balance has n't changed because of what they have done.
On XX/XX/XXXX, I received a letter from GC Services, reference to City of   XXXX Taxes. Dated back to XXXX. After receiving several telephones calls I told GC that I do not owe this and Sent a certified on XX/XX/XXXX to validate the debt. I have not gotten a response as required by law. This debt is past the statute of limitations and is not collectable. This ompany is knpwn for violation the Fair debt Collection practices. 
XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX
I have been trying to obtain a loan modification for over nine months. I requested copies of my loan documents because I believe that I did not receive and/or sign all of the original documents. I believe the good faith estimate was never provided to me and was later forged. There also may be other loan documents I did not sign. I have requested the loan documents at least 5 times. They will only send me a copy of the note and mortgage ( which is available at the registry of deeds ). They refuse to provided the rest of the loan documents and say my request is overly burdensome. I have explained why I want the copies and they still refuse. In addition, the lender has done everything possible to try and say I do n't qualify for a loan modification. First they would n't accept my income, then when they finally did, they said I did n't pass the Net Present Value Test. I did n't pass the net present value test because they used an inflated fair market value for my home. When I showed them their valuation was based on a drive by BPO and was inaccurate, they said I made too much money and my payment would n't be XXXX % lower than my original payment. I asked them to ask the investor to waive that requirement. They have refused to request that from the investor.
I went to XXXX XXXX Dealer in XXXX, MA XXXX as a Co-Signer/Applicant and filled/signed only one credit application form from XXXX XXXX XXXX XXXX allowing they to check my credit report/score and see if I can help a family/friends to start their own credit leasing a new XXXX XXXXXXXX XXXX. But today I was checking my credit report and realized they did many Hard Inquires! Details : XXXX : 1 time using the dealer 's name on XX/XX/XXXX and 1 time again on XX/XX/XXXX using the dealer 's name and then 1 time using the TMCC " Toyota Motor Credit Corporation '' on XX/XX/XXXX. plus XXXX  : They checked 2 times using a different dealer name called " XXXX XXXX XXXX '' .on XX/XX/XXXX and then again on XX/XX/XXXX. I don't know yet about the XXXX  if they checked there too. So, Is this right? Can they keep checking my credit as many time they want? I don't think so. Could you help me please? Thank you, XXXX
XXXX and XXXX XXXX, due to a job relocation, have been attempting to sell their property located at XXXX XXXX XXXX XXXX, XXXX, OR XXXX for over two years. 
Recently we were able to get the XXXX lien holder, XXXX, to agree to a short sale and they have provided the FHA Approval To Participate letter on XX/XX/XXXX. Please see attached documents. The XXXX lien older, US Bank, has been " processing and reviewing '' the same short sale documents that XXXX has approved since XX/XX/XXXX, At this time they have stalled the process of the short sale review with no explanation. Please see attached email string where I have asked, then demanded, some indication of the activity on the file. I keep getting an email from XXXX XXXX, the Customer Relations Manager, telling me the file is being reviewed. It 's been " being reviewed '' for almost 5 months now! It 's past time for a decision but US Bank is deliberately stalling this file for their own reasons, none of which have to do with the file. They asked me for a Request for Mortgage Assistance ( RMA ) on XX/XX/XXXX and it was completed and sent to them the same day. But when I called them to see what the status of the file was on XX/XX/XXXX the US Bank folks told me they did not have the RMA and required it. I emailed it to tem again and apparently they found it, or did not lose it, that time. Then on XX/XX/XXXX they asked for another group of documents, including the same XX/XX/2014 Federal Tax Return we had sent in back on XX/XX/XXXX, a copy of the Homeowner 's Declaration page and the Property Tax Statement, which we had previously informed them on XX/XX/XXXX by signed and dated written statements that the XXXX lien holder had been taking care of, and a copy of the XXXX lien holder payoff statement, AGAIN provided to tem on XX/XX/XXXX. The Relationship Manager, XXXX XXXX, sent an email on XX/XX/XXXX asking for a VALID PURCHASE AGREEMENT. That document had been sent in XXXX times previously, on XX/XX/XXXX, on XX/XX/XXXX and on XX/XX/XXXX. XXXX told me they needed a fully signed sales agreement but, after reviewing the file VERY carefully and not seeing any missed signatures and asking for specifics as to the supposed missing signatures, she would not provide any specific page numbers or page identification information. See attached email string. 

US Bank is deliberately stalling the process of this short sale request and refusing to cooperate to allow the borrower to avoid foreclosure. They are obstructing the process by " losing documents '', asking for correction on imaginary problems and in general not acting in good faith with the borrower. They are the quintessence of a financial institution that thumbs its nose at the federal regulatory agencies by not cooperating with their customers as the Dodd-Frank Wall Street Reform and Consumer Protection Act intended to enforce and that intentionally causes damage to the lives of heir " customers ''.
I originally opened this account with   XXXX   XXXX  , as a maintenance free savings account,  XXXX  was bought out by  XXXX  and the savings account continued. Both the saving and checking account remained under the agreement.     Suntrust bought out  XXXX  years ago and then took on my saving contract which is a no maintenance free account with no fee charge. The only stipulation is that I allow the transfer of  XXXX  dollars per month on or about the  XXXX  of each month from my checking to my savings. This contract and policy has been in place since its inception.     Mysteriously Suntrust started removing  XXXX  dollars a month from my savings account earlier this year, claiming a monthly statement fee. I have not requested a monthly statement, nor agreed to a monthly statement fee. SunTrust is creating this with out my request.     I wrote to Suntrust about it and also filed a complaint here with the CFPB, and initially they refunded the   XX/XX/XXXX  month of unrequited statement fees but have since started charging me  XXXX  dollars a month for a service I have not requested. I then sent another email to SunTrust asking them to stop taking money from me, but they continue to fleece my savings account for non requested services.