WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, Santander Consumer USA debited a payment from my account in the amount of {$740.00}. I didn't authorized this payment and in fact, I had post dated a check for one full payment to process on XX/XX/2018, because it was pay day for me. It appears that Santander Consumer USA authorized the payment one day before and as a result, I was charged bank overdraft fees and a check returned fee. 
Moreover, Santander has continuously re-tried payments to my account in the past which led to me owing additional monies to my bank due to this and it's very stressful to get the bank to refund or credit me back. 

I've been having difficulties which has caused me to fall behind on my payments and when I talk to a bank rep, they simply brush it off and proceed to ask me when or how soon can I make another payment. They have put my car up for repossession twice, refuse to extend any further extensions on the loan, declined to waived the late fees, doesn't want to refinance or restructure my loan so that the payments are lowered, which is very much needed.
Equifax was hacked and now the hackers have my personal information. I verified this on Equifax 's website.
I have attempted on four separate occasions to correct this problem via the credit bureaus. It appears that XXXX XXXX is not will to correct the issue. Per their own correspondence to me, they stated they would report the account as " Settled in Full for less than Owed. '' They are however reporting this as a foreclosure and it cost me finances on XX/XX/2018.
To Whom It May Concern : There are XXXX major complaints within this report : XXXX XXXX through the reporting agencies & XXXX scores being distributed. 
Recently ( starting XXXX 2016 ) I began working with XXXX XXXX XXXX to repair my damaged credit. Please note this complaint is not geared toward XXXX XXXX but that of XXXX Equifax, and XXXX. 
Within the first 4 months a combined total of 65 % of negative items have been removed. XXXX XXXX sends out letters on my behalf, which I am provided a copy of, to dispute negative items then my provided portal is updated. Along the way I can see which negative items still remain and which agencies are not deleting items, though other agencies have. Equifax being the most cooperative by removing XXXX of the XXXX negative items, followed by XXXX deleting XXXX of those XXXX items and XXXX being the most challenging only XXXX of the XXXX items. XXXX XXXX XXXX is still being retained and in the last 4 months no items from XXXX or XXXX have not been removed and is effecting the my chance of getting a 1st mortgage with a fair package for first time homeowners, even possibly a better interest rate on my auto loan, that I will be applying for this week. 
The 2nd part of my complaint is the reporting. Though XXXX is being difficult when I went to XXXX directly to purchase my score, my score according to their scholastic reporting at XXXX is a XXXX XXXX is considered a XXXX, regardless. However the even greater issue here is why my score is not equal to all who see it? XXXX directly states XXXX, XXXX XXXX 'XXXX is XXXX, XXXX XXXX shows XXXX? 
My ranting as I close : How is this helping any consumers when numbers are just being tossed about with no consideration of what this does to someone wanting the basics of either applying for credit or knowing where they stand with their credit? Such as decent interest rates for a mortgage, an auto or anything else that may require credit. Let alone you can not have your, say, XXXX report or any report pulled when applying for credit to not affect it by having a hard hit on your credit, which can also have an effective by this hit lowering the score for a long period of time? So if you are border line and you take the hit then you went below the required level and now you 're at a higher interest rate. I realize the reporting game is like medical doctors with medication and kickbacks as with higher rates kickbacks for the agencies. Keep the consumer confused and they agencies get to run amuck. 
If you would like to see the XXXX report which states the XXXX I purchased from them verses the XXXX XXXX or XXXX XXXX or the negative items that the XXXX mentioned agencies are fighting please let me know. 
Respectfully, XXXX XXXX
Attempted to modify loan back in XXXX, local branch manager only wanted to give a .5 % lower interest rate which did not make sense to pay settlement fees for .5 % lower rate. Bank encouraged to have loan go into " default '' for a lower interest rate modification. Would not respond to requests, written, in-person, etc. 2 years went by and over {$140000.00} in interest was tacked onto loan. We have attempted countless times to settle this. We spoke with the loan modification department XXXX XXXX, XXXX and were told the legal department would contact us within 20 days, here it is 5 months later and still nothing. Received a letter stating such to no avail. The last regular payment made was XXXX XXXX, XXXX. We finally agreed to BofA terms in XXXX so that the property would not be taken from us. However, the interest on this loan should not be our responsibility since we attempted countless times for the loan to be modified. " Missing paperwork '', " paperwork not complete '' " missing documents '' etc. was always their answer. We were so frustrated with the lack of unprofessionalism and lack of response, that we agreed to something that was not fair. We have every single letter and call documented. This is the 2nd time filing with cfpb, the original request was closed because Bank of America stated that my mother and my fiance were not authorized to speak on my behalf however, I have written authorization from Bank of America giving them the permission to speak on my behalf.
I went to my online Dovenmuehle account in late XXXX, 2015 to increase the principal payment to my monthly mortgage payment by {$700.00}. I changed my mind and went back online and entered {$0.00} in the box for additional payment. My XXXX bank statement showed that Dovenmuehle did in fact withdraw the additional {$700.00}. I went back online to check if I had not cleared the additional payment. The amount was {$0.00} for additional payment. I assumed I had made the change too close to the payment date and did not contact the mortgage company. My next automatic payment was again for the increased amount. I called Dovenmuehle and explained that the additional payment was incorrect and asked that they reverse the payment to my account and withdraw the correct amount. I desperately need the additional {$700.00} this month and last month too! The mortgage company said they could not reverse the payment, required me to print off my bank statement and fax to them to prove that the funds were actually withdrawn ( they do n't know that?! ). The mortgage company will write me a check and mail me the refund. I wanted the money put back into my account now not later. I know they can make that happen but they were not willing to do so. So much for customer service.
I opened an account in wellsfargo XX/XX/XXXX and with out I knowing they did have me unroll me in a called XXXX XXXX XXXX XXXX I did signed for that but on XX/XX/XXXX I had an accident that stoped me from working social security give the benefits on XX/XX/XXXX in XXXX XXXX I couldn't work so I did have a place to stay so I end up in XXXX with my family I started the XXXX in XXXX XXXX. Few months ago wellsfargo send me a latter about this benefits would end soon then I knew about this benefits and that wellsfargo has been taken money from my account paying for a service I didn't know about charges or the benefits they told me that's if I get to be in XXXX they may help me. I talked to them about my health issues then they said it would work for me sinse im in XXXX I applied for the benefits but now they wanted a letter from doctor in XXXX XXXX I sent them my papers from social security that states im in XXXX sinse XX/XX/XXXX they asked for the first time I talked to them but now they wanted a letter from my doctor here in XXXX I'm a XXXX something year old lady who this bank wellsfargo is trying to take advantage of
Dear Sir/Ma, I am writing to dispute information on my credit report to be accurate under the FRCA. There are several this on my report is not correct. Starting with capital one that account is reporting wrong. The first thing is why were they reporting charge off after my charge off date. This account was charge off in XXXX but they reported every month in XXXX c/o. The other issue is why are they showing a balance when it was charge off. I want this account removed off my credit report under FRCA guidelines. The other account is with XXXX XXXX/XXXX XXXX   XXXX. They report my charge off date is XXXX actual my charge off date is XXXX. Why they were reporting every month after that c/o. That does not make sense to report c/o every month after that. They are violating my rights under FRCA guidelines. Please delete this from my credit report. This is another company I am having problems with. I was on a payment plan to get caught up on my loan but they were not to report me being late on my credit report, It was in the year of XXXX XXXX, XXXX, XXXX, XXXX. Please delete this from my credit report due to reporting wrong on my credit report under the FRCA guidelines. XXXX is another one why if this account was charged off in XXXX, why would you report after that date c/o every month after that. I should have one c/o date. Please delete this off my credit report. under the FRCA. It is paid now. The other one is XXXX, I only should have one charge off date not several. Why would you still report c/o after my charge off date. Please delet this from my credit report under FRCA guideline.
This is a predatory loan with Santand er Consumer USA, I want to pay it off and they do not take any interest off 72 month loan I have made 32 pa yments. The car dealer  XXXX   XXXX   XXXX  got me this loan, they bullied me into taking an extended warranty for  XXXX  and if I did n't take it the bank would not give me the loan. Call the bank got double talk, went to the dealer they admitted something was incorre ct 1 week still waiting for a call back left 3 messages. I need help.
XXXX XXXX, XXXX Dear CFPB, I have paid in full a medical collection account in the amount of {$940.00} from when I had and was treated for XXXX XXXX and they are refusing to remove the collection account. 
On XXXX XXXX, XXXX I was turned over to collection by XXXX XXXX XXXX, XXXX, Billing office XXXX, XXXX, MT. XXXX a division of XXXX XXXX XXXX XXXX by XXXX XXXX, XXXX, at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , MT. XXXX. 
After being denied a payment plan which was granted by all other affiliates and divisions of XXXX XXXX XXXX XXXX and after being turned over to collection there was back and forth about what was actually owed I received XXXX, XXXX ( division of XXXX XXXX XXXX XXXX XXXX ) statement dated XXXX/XXXX/XXXX in the mail with a balance due of {$940.00} which I paid in full within 3 days and have a cancelled check # XXXX in the amount of {$940.00}, see attached. 
Recently I pulled my credit and the collection account is showing on my credit report. I forwarded a copy of XXXX, XXXX XXXX/XXXX/XXXX statement and a copy of my cancelled check and the XXXX XXXX XXXX XXXX wrote back and stated ; See attached " Hi XXXX, Collection Bureau confirmed that the original creditor is XXXX XXXX and XXXX XXXX has not recalled the account and it still has a balance of {$1000.00}. You can call Collection Bureau at XXXX. '' XXXX XXXX CUSTOMER CARE SPECIALIST - FCRA CERTIFIED CREDIT TECHNOLOGIES XXXXXXXXXXXX XXXX EXT. XXXX I then called Collection Bureau Services , Inc. A Debt Collector XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, ( XXXX ) XXXX XXXX and spoke to the Manager, XXXX XXXX XXXX who confirmed the balance due is {$1000.00} and that XXXX a division of XXXX XXXX XXXX XXXX has not released the account. 
I asked XXXX XXXX, " IF I have a balance due then WHY have n't I heard another word from you in over a year, one year and four months to be exact? '' and XXXX replied " okay XXXX, okay. '' XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are in on denying me my rights to show a XXXX balance, collection paid on my credit report. 
I paid this bill ONE YEAR and FOUR MONTHS ago and this is the continued harassment from Collection Bureau Services Inc., and XXXX XXXX XXXX XXXX XXXX XXXX is blatant. I demand they remove this collection from my credit report immediately! 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , MT. XXXX XXXX and XXXXXXXXXXXX
On XX/XX/2016 at around XXXX I attempted to make a deposit of of {$380.00} in cash and a {$90.00} check for a total of {$470.00} at the XXXX 's Huntington Kiosk inside XXXX XXXX in XXXX Ohio. I counted my cash three times before I handed it to the teller who did n't count it in front of me and proceeded to put it in the bill counting machine, which I 've now since learned is called the discriminator. I told the teller the amount I was depositing before he took it to the discriminator. To my dismay and concern he came back insisting I had made a deposit of {$120.00} less than the amount I had referenced. I was incredulous. However, my ire was n't raised until the second banker came over and said he was there to help me. Instead of asking me what my experience was or listening to it, he simply reiterated what the other teller had said and insisted that while he may have dropped a bill or XXXX it was impossible to drop more. He looked down at the floor as he said this. At no time did either try to get my side of the story, or offer to count down the drawer. Instead they both repeated the amount that they insist the discriminator counted. I said that I would never return to this bank branch and that I would go ahead and withdraw my funds and put them in a credit union, as many I knew were doing this. At this point the teller insisted I leave and pointed his finger at me to do so. the next Tuesday morning I went to my Huntington branch and I filled a grievance and was told that now they are discouraged from counting cash back in front of you as it takes too long. I was not offered the possibility of making a report. I had to suggest it and then insist. While the teller was very helpful with the details and did finally ask for descriptions of both tellers, initially he seemed reticent to take the report. I see this as a warning to anyone who intends to deposit it this branch. I believe the XXXX tellers were running a scam at the point of deposit and believe they played on my weak spots to make me question what happened. I was also incredibly concerned at the less then concerned response I was initially met with at the branch banks as well.
On XXXX XXXX, 2017 I gave XXXX and this was unable to work at the time until I resumed work two months later. I had spoke to sallie Mae informing them on the matter that I am on XXXX leave and unable to make payments at the time. They stated not to worry and that I will be placed on a deferment. I never received any emails or phone calls until about the second week of XX/XX/XXXX constantly giving me phone calls and I didnt get paid my first paycheck until XX/XX/XXXX. I then spoke with sallie Mae again saying I can enroll back in auto debit and then I made a payment and XXXX from sallie Mae told me my account was current and that if I make a payment it wont be reported to XXXX or affect my credit score. I received an email saying it did and I am very flustered because Ive been working very hard to improve my credit score as you can see all my accounts are in good standing. I would like to purchase a home in the near future so please help me in removing this error. I am currently working full time and am ready to make payments again. Just because I had a XXXX  doesnt mean I should get punished.
After sending information to verify myself with my disputes by means of a Credit Repair Organization ( XX/XX/2018), Experian has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX  never late XXXX XXXX never late XXXX XXXX  not mine XXXX XXXX XXXX XXXX XXXX  XXXX  {$580.00} not mine
ON XXXX/XXXX/2016 I had a positive balance in my checking account with First Midwest Bank. On XXXX/XXXX/2016 I also had a positive balance in my checking account. Apparently during the night, a check came through, causing my account to be negative, so I was charged a {$36.00} overdraft fee. However, my paycheck ALSO came through-during the night. I do n't believe it is fair or legal to be charged an overdraft fee when in essence, my account had a negative balance for a few hours during the night. No checks were returned and my payroll check more than covered the negative amount. 
Through email correspondence, the branch manager said she would not refund my fee since they refunded two fees in the ( recent ) past. I have banked with this lender for years. I have never been overdrawn, until recently. One of my two employers took away my monthly draw a few months ago, even though I have a signed employment agreement with them, with no notice or warning. I am scrambling to make ends meet with the sudden loss of income. I have explained that on deaf ears at First Midwest. They are kicking me when I 'm down, and have charged quite a bit in overdraft fees to me, in my opinion.
I contacted the credit agency TransUnion. They tell me that in order to get the false inquiry on my credit report removed, I need to send an authorization letter and an inquiry deletion letter. I contacted the XXXX Bank to try and obtain an inquiry deletion letter and they told me to contact the credit agency. So I kept calling back and forth with no result or progress. XXXX companies gave me a lot of numbers that could n't help me at all, so I 'm trying to find out how I resolve this unauthorized hard inquiry on my credit report.
Do n't know who Credco, or XXXX XXXX is, nor have I authorized, or signed ANY application for ANY credit inquiry for CREDCO/, or XXXX XXXX on behalf of XXXX XXXX!!! I have been in receipt of credit inquiries for the dates of X/X/2017, X/XX/2017, and X/XX/2017 via credit alert coverage that I have through XXXX/XXXX. I have had my identity compromised, and have filed a Identity Theft report ( attached ) with my local police.
We did a short sale on a mortgage in 2013. We had a mortgage with Wells Fargo which was a VA loan a that time we had a balance of of {$250000.00}. Wells Fargo agreed to the sale price of {$240000.00} and after all fees the sales proceeds were {$220000.00}. which left a balance of {$32000.00}. We received an agreement from Wells Fargo prior to the closing that they would not seek any deficiency balance. I have just been informed by VA home loan certificate dept that Wells Fargo did request the balance from them in the amount of {$64000.00} which is {$31000.00} above the deficiency balance. Now in order for my husband to get back his entitlement on his VA home loan certificate we will have to pay {$64000.00} to the VA. My question is was Wells Fargo within their right to seek the deficiency payment ( after they told us they would n't ) and if so, are they allow to profit {$31000.00} from it requiring us to be liable for that amount to the VA??
XXXX XXXX solicited me for entry into a payment plan to pay down the debt on my XXXX credit card. They unilaterally set a monthly payment date of the XXXX of the month. When I called them to make the first payment on XXXX XXXX, I explained to them that I would make the first payment that day but that I could not do so going forward. I explained that I would have to have my due date come in the latter half of the month. XXXX XXXX  representative that day said that that was no problem and that I could make a payment that day, then call back after my payment was finalized in order to change my due date. I called back later that month and the representative then claimed that I could NOT change my due date and that I would have to pay on the XXXX, despite the first representative 's promise. I escalated this issue to a supervisor, who said he would listen to the XXXX XXXX call and help me if the original XXXX XXXX representative did say they would change my due date. This supervisor never called me back and/or never left a message. XXXX has now refused to listen to the XXXX XXXX call and live up to the representative 's promise to provide a changed due date. I have made my XXXX payment now mid-month because paying on the XXXX was simply not possible. But now XXXX has threatened to cancel the payment plan entirely because the XXXX payment will have been late and the XXXX payment will be as well. This is fraud on XXXX XXXX part, because I explained before I made the XXXX XXXX payment that I could not have the due date be the XXXX of every month. That is impossible due to my rent, which takes up most of one of my two paychecks every month. XXXX has now marked my credit report as 30 days past due EVEN THOUGH I made the XXXX payment timely and was not 30 days past due on the XXXX payment plan payment. XXXX is not honoring its own internal payment plans or the representations of its agents.
My name is XXXX XXXX. The credit bureau is refusing to remove two bankruptcies from my credit report that are not my accounts. I have never submitted nor filed for bankruptcy in my life. I am XXXX years old and I've been dealing with credit for a very long time. A recurring issue I've had to fight with the credit bureau about is that they will report other persons' accounts on my credit that are not mine. This has happened to me before and is the exact same situation that is happening with these two bankruptcy accounts. The first one has a filing date of XX/XX/XXXX with reference #XXXX. The second one has a filing date of XX/XX/XXXX with reference #XXXX.
This is  my 3rd attempt at  trying to resolve this matter with FEDLOAN.    FEDLOAN re fuses to update inaccurate and misleading information on my credit report. Due to the multiple number of accounts listed with this servicer, the reporting of this erroneous information has caused me missed opportunities for lower interest rate opportunities as well as caused me great   XXXX     XXXX  and  XXXX  trying to communicate and appeal to the servicer to adhere to the FCRA advisory opinion which is attached and thus state s : " Section 623 ( a ) ( 2 ) of the FCRA addresses the  duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. (  1 ) T hus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. ' ' FEDLOANS failure to u pdate the CRA of the RETROACTIVE forbearance status that ultimately corrected the late payment history is a direct violation of the FCRA S ection 623 ( a ) ( 2 ) as well as Section 607 ( b ) which should promptly be addr essed.
I reported to XXXX ... and transunion of credit inquiries from XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX mortgage and auto lenders inquiries that I didnt authorize ... these inquiries should not be on my credit report