WillisBack/dataset-financial-user-claim huggingface dataset:
At the time I purchased my XXXX, I was n't aware that I had identity theft committed on me. In XXXX XXXX my payoff was {$14000.00}, Interest of {$89.00} and monthly payments of {$350.00} for 72 months. When I was made aware and had investigations done which proved I was no liable for any of the delinquents on my credit, I contacted Santander when I was told by FTC and IRS, and other credit card companies to contact my car loan and explain to them that fraud was committed at the time they had ran my credit because the credit they ran was not the factual number but based on many delinquents which caused a 20.4 % interest rate on my loan. I was told by two " managers '' they would definitely re-run my credit and I would be retro 'd back. I called again, and got someone who told me whoever told me that, lied and they do n't offer those. I explained my fraud situation, sent them a police report, ftc affidavit, and still nothing. I called again around XXXX, explained that my interest now is up to {$270.00} and a 15 months later, I owe them {$14000.00} and how is that possible when my payments are {$350.00} after paying them to date {$5300.00}. My current ESTIMATED payoff amount as of XXXX XXXX is {$13000.00}. This means {$820.00} was applied to my principal of my original balance due and {$4400.00} was accrued for interest. The gentleman then told me nothing he can do and hung up. I recently received a 90 day delinquent on my car which I was never 90 days late. It made my finally cleaned credit from the initial fraud go down over 100pts. I put a dispute in to XXXX and just today received a Ceased and Desist letter from Santander stating they have put in my request to not be contacted ( I never put in a request to not contact me ) and that they have the right to come and repo my car. This got me nervous especially with the recent District Law Suits going on in Delaware and other states with fraud charges on interest as well as people 's car 's being repo 'd even when they were n't late with payments. I am so upset that It took me an entire year to clear up the fraud that the CFPB has helped me so much with those credit card complaints I had put in that I am seriously hoping you can help me in this situation. I am a victim again of false fee charges. I will never pay this car off considering after 15 months, I only paid {$820.00} and the rest in fees. Please help me! I have XXXX kids, I am going through a divorce, my soon ex committed fraud and I was cleared from it and now my credit is ruined again because of Santander and they are really doing shady activity especially with this Cease letter I got that I never stated to them not to contact me. Ironically too, I am locked out of my online Santander account and can not reset my password. This is absolute awful consumer service on what they are doing.
i never lived at XXXX XXXX XXXX XXXX ca XXXX never had that address ever listed in my life.
Late payment was addressed as a computer gliche and a letter was written to company explaining as they had requested. My father was the cosigner on the loan and was affected by this. Once explained this was removed from his credit report and the account was paid in full to prevent any further issues. The letter was faxed on XXXX/XXXX/14 yet my credit was not adjusted and my fathers was. NJ Class Loan HESAA is the account in question
Hard inquries on my credit report from ouicken loans 3 times ) only authorized one and was told it wouldnt be a hard inquiry, XXXX was told it wouldnt be a hard inquiry, XXXX never inquired, XXXX never i quired XXXX never inquired. Please inveatigate asap i would like these hard inquiries removed.
This is an addendum to claim # XXXX XXXX XXXX XXXXSLS purchased my loan from XXXX on XXXX/XXXX/XXXX Once again they will not speak with me regarding my loan - My daughter and I went on a XXXX party call to SLS and we weretold unless they receive XXXX party authorization form signed we can not do anything. 
My daughter who is a Real Estate Agent went online and printed another formand we faxed to SLS - during our brief conversation with SLS I stated all thepayment information they have on file is incorrect - they say I paid no paymentsand I paid every payment due SLS - the only payment unpaid is on XXXX would not speak to me and I paid XXXX extra on my additional paymentsto make up for the XXXX XXXX payment. On Friday, XXXX XXXX XXXX XXXX I received aletter from SLS stating on XXXX/XXXX/XXXX MY HOUSE IS GOING INTO FORECLOSUREBECAUSE MY PAYMENTS HAVE NOT BEEN PAID SINCE XXXX/XXXX/XXXX - I PAIDevery one due to SLS - where is all my money going? How do I fight somethinglike this??? I am going to XXXX XXXX XXXX and getting copies of all of my paymentsbut I am afraid they are trying to take my condo from me - this has been going onfor 8 years and it is not fair to do this to seniors. I have made all payments, I havecalled XXXX times and left messages - no response - I have sent every form theyrequested plus additional correspondence I had. I sent copy of Certified letterto XXXX in XXXX with my Assumption Package - no response - I would liketo post this for others to see how XXXX and its subsidiary SLS handle customers. 
If I do n't have a XXXX, it will be a miracle. 
I asked the Ombudsman to please look into this mess - hopefully we can get a resolutionon both sides.
The company in question is XXXX XXXX of XXXX, OR. They hired Capital Credit & Collection of XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX with a phone number of ( XXXX ) XXXX as collector on my account. 

This company ( XXXX XXXX ) purported to provide XXXX page 1 ranking for my company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contracted to pay them $ XXXX/month for this service. I never received any ranking results nor communication from them after I started paying  them. 

After approximately 9 months of them taking out $ XXXX/month I asked them to stop all charges ( by telephone ). They said I was under a contractual obligation to continue. I told them I was getting no results and was very unhappy with the service. They refused to stop charging me or cancel my subscription. 

I continued to pay until my card expired, at which point they could no longer charge me. They said I still owed them. I argued they provided no tangible results nor proof they were doing anything for me. 

The final amount owed was {$75.00}. I ended up just paying the {$75.00} in XXXX of 2017 to close the account. However, my personal credit was negatively affected as a result of the collection effort they took upon me. It should never have attached to me personally as an individual as this was a company account. 

I believe they are continuing this practice with other unsuspecting people/companies. I also believe they do nothing to help increase ones ranking on XXXX as no reports were ever provided. 

This kind of practice needs to be stopped. 

Here is a link to XXXX where many people have said the same thing as I have and had similar bad experiences not being able to cancel their subscription. 

XXXX XXXX XXXX
This is a XXXX complaint about attempting to redeem a certificate of deposit at Capital One. I no longer live in the Capital One footprint. My XXXX phone call I was told that they would mark my account and it would be autoredeemed. When I checked, on the maturity date, I was told that there were no notes on the account and the I would need to talk to the certificate department but I would have to call back in XXXX minutes as they are n't open. I called back and was informed that I would have to talk to the branch. I called the branch today XXXX call XXXX to redeem a CD ) and I was told that I would have to have a letter notarized and mail it to the branch. This is not an acceptable. I want the CD redeemed. I offered to fax my license to XXXX the branch. She refused. She then stated I had the " option '' of faxing the notarized letter to the branch. I again refused. How can Capital One, an international bank, not have a process in place to address customers outside of their footprint. It appears that they are holding my money hostage until I happen to travel back to the XXXX area. This is totally unacceptable.
We just tried to call Navient to resolve our payment plan issues ( see previous complaint ). And the website says they close at XXXX. XXXX, tried calling twice, the service says that are closed.
I've contacted this company on several occasions to inform them that this account is fraudulent and doesn't belong to me. I've even requested that they properly validate this alleged debt, but I have yet to receive any type of documents.
My intent was to purchase tickets for around {$50.00}, in an instant my card was charged $ XXXX without my knowledge or authorization. I contacted the merchant immediately indicating it was an error. They refused to help me and bc it was a time-sensitive issue, i issued a stop payment on the amount. I was assured that it would not process. I found out later that it went through bc the merchant pushed it through by changing their name. I then filed a chargeback and was denied. I did not authorize this purchase, did not receive the goods that were sold and believe that i should be able to retain the money.
Stop placing fraud alerts on credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/1962 SS # XXXX
I sent letters with multiple request to have credit inquiries removed that I did not recognize from my credit reports. XXXX removed the inquires, Transunion and XXXX refuses to remove the inquiries.
XX/XX/XXXX both my credit report and husbands showed on XXXX the account was closed with a balance. Called and the lady said oh we are getting a new account # since we did a re-term. 

XX/XX/XXXX is was updated to show open XX/XX/XXXX. 

XX/XX/XXXX they both show closed again on XXXX.
I have received a letter from the Federal Trade Commission, informing me that the debt consolidator Ameritech is being sued for deceptive practices. I want to get out from this company which will harm my debt information.
The mortgage was originated back in XXXX of XXXX with XXXX XXXX and later acquired by XXXX XXXX. The note reads " FIXED RATE MORTGAGE NOTE ' Pick-A-Payment Loan ''. In XXXX I was forced to file Chapter XXXX bankruptcy, due to some Real Estate investments that went bad. The BK plan was for me to pay my mortgage payment to XXXX XXXX directly each month, while also paying the trustee {$960.00} each month as well. I did this for the whole 60 month term, and was discharged in XXXX of this year, XXXX. That same month XXXX XXXX transferred the note and servicing to BSI Financial. I have been trying to reconcile with BSI ever since, and just yesterday they gave up and explained to me that they could not explain their records. They sent me a copy of the note and what they are calling the mortgage history from XXXX XXXX, which is not decipherable. The agents final comment was " this is all we can do ''. This is why I am coming to CFPB for help. Some of the issues I am trying to resolve with XXXX and BSI are : Inaccurate accounting on the part of XXXX XXXX regarding claims for delinquent payments that I can document as paid Changing the mortgage payment before the anniversary date as outlined in the note ; a clear violation of the terms of the note Erroneous principal balance, overdue payments and deferred payment data from BSI that they cant explain * Nothing but confusing records and mortgage history ledger which cant be understood or explained by the servicing companies
A late payment was reported to my credit report. I contacted the card company as I was unaware that I was a late on the payment, let alone that it had been reported to the credit bureau. I was unable to get online to make the payment as they have updated their website and log in information. At that point it was past due. I paid more than the asked amount. When I got my next statement it indicated that I had {$0.00} due. When I talked to them about correcting this because of the difficulties I had logging in on their site to pay the acct, they said they would fix it and gave me steps to do to make sure it got done. I did those steps immediately. I also filed disputes with the credit unions. I was told this was going to be taken care of. When I called to check in on the dispute and ask them to bring it to the fore front as we are in the middle of a home loan, they said they already replied to the dispute as it was n't their fault and that their hands were tied, when I was told by someone else days before that it would be fixed. At this point I have a home loan that has been put on hold.
US Bank has called 3 times in two hours. We are behind on our credit card payments ... we lost our business in XXXX of 2017. I have discussed with them getting on their hardship programs ... which is great, but they said to call back when we have a little bit of money to make a payment ... I agreed. The calls continue daily ... up to 5 calls during XXXX XXXX and XXXX XXXX ... I 'm also at work! 

XXXX is the same story ... continuous phone calls!
I received a written letter from XXXX XXXX, XXXX, regarding an account with XXXX XXXX. The written letter offered the option of " 1 payment of {$250.00} '' and that my account will be considered " Settled in Full '' after the payment is successfully posted. ( Please see attached letter ) I paid the {$250.00} ( please see attached processed bank check ) and XXXX XXXX reported my account to Equifax as " Legally paid in full for less than the full balance ''. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " PAID/Settled in Full ''. I would have chosen pay the amount in full.
I have had an account in good standing with American Express since XX/XX/XXXX. There are significant monthly charges and payments often in excess of $ XXXX/year on this account without incident. 
XX/XX/XXXX I was informed that a 'credit review ' was requested despite re-assurance that the account was in good standing. This contact was made on a weekend morning before XXXX XXXX on my personal cellphone ( this account has been handled by my office through an authorized representative that works for me for more than 5 years ) and requested an IRS 'transcript '. I attempted to comply with the instructions of the 'financial review ' department whom I had never heard of before ( I initially thought the call was 'spam ' ) but was told they would not work with my administrator or accountants and that I must forward correspondence from the IRS to them in unopened envelopes ( so how was I to know whether there was an appropriate response or a form letter in the envelope? ). There was no further contact with American Express despite a note placed on the outside of the IRS envelope asking for them to contact me should the material not be responsive. 
This past Saturday at XXXX XXXX EDT I was telephoned by a representative who told me that although my account remained in good standing financially, American Express was cancelling my account. No recourse, no time to cure, no appeal. I asked for a transcript of this and my prior conversations ( always speaking on a recorded line ) and was told that I would need to submit a subpoena to the 'phone company ' since this recording belonged to American Express . Although I always noted the name of the individual on a call each time I was told that I could not reach the prior individual. I requested a supervisor and multiple times was told they would reach me in '48 hours '. A manager never picked up the phone or returned my calls. 
American Express holds itself out as a bank, identifies itself as a bank, and yet insisted on only addressing my account review on Sundays or Saturdays at non business hours not at my office, the official contact for me, but on my cellphone. 
The behaviors described above violate my rights to due process with a credit agency or bank and are distinctly punitive, in contrast to my 28 year history of business with this company. Clearly there is a rogue department in Arizona that is systematically destroying customer relationships and targeting individuals - this is not the standard of business practice that a company purporting to be a 'bank ' and a credit agency should be allowed to use, randomly targeting individuals with accounts in good standing for no clear purpose.
I just recently opened my bank account here and I wish there was better clarification about the overdraft policy. But that is irrelevant. I entered into a contract and I was told by the company that I entered into a contract with that they would let me know if I was approved for the contract and then if I was approved that they would charge me a XXXX dollar payment. Since, I was never notified about my approval status, I was under the impression that I was rejected for the contract. However, I found out that they charged me a XXXX dollar payment and that I had somehow had been approved along the way without notification. Obviously, this is an incorrect practice. But First National Bank is punishing me for an action beyond my control with a XXXX dollar overdraft fee. Furthermore, I was locked out of my bank account and could not access it. If this bank error had not occurred and I had not been locked out, I would have been able to find out that my account was negative and restored it to a positive balance just in time for the overdraft fee not to be assessed. The bank account could have only been unlocked with a phone call to the bank customer service representatives and I was extremely busy nor did I know that I was going to be charged the payment ( and thus the overdraft fee ). Also, if this fee was assessed during the night, the customer service representatives were not available at that time.
The monthly payment on my credit card is usually due for payment on XXXX of each month and I make my payments electronically through my bank, regularly on the XXXX or the first working day of each month. When I checked my statement online today, I found that my account has been accessed a late fee of {$38.00}. I further checked my previous statements, only to find that the company started accessing my account late fee as far back as XX/XX/XXXX. I spoke with one of the company 's associates on the phone. She indicated that I have been paying my monthly due amount too early than their billing circle. She agreed to remove only the late fee accessed for XX/XX/XXXX, without removing those accessed from XX/XX/XXXX-XX/XX/XXXX, nor the interests charged on the late fees. It is sad, rather for the company to praise my efforts at making payment ahead of time, I am being charged late fee. I think this is another form of fraudulent credit card charges, when someone is penalized for meeting ones obligation ahead of time.
They keep calling me looking for an ex-employee from years ago. I have responded and requested they remove my phone number ; said they would but continue to call.
Hello, MDS is attempting to collect a medical debt that I am not familiar with or responsible for. Another company has notified me they have a similar collection notice that is not valid. 

Can I have proof of the debt provided and harassment ended? 

Thank you.
Chase Mortgage is whom we ( husband/wife ) have our loan with since XXXX. Many times over the years they have neglected & lied to us on important issues that cost us lots of money, but now, another issue has risen that was just brought to my attention in a mortgage statement we received on XXXX XXXX, XXXX, but after communication with someone from Chase, they realized that it was them " CHASE '' that made the mistake back in XXXX XXXX in which they neglected to apply our XXXXhusband/wife ) mortgage payment accordingly and therefore appeared there was no payment, then it lead to them FALSELY REPORTING US TO THE CREDIT BUREAU 'S AS LATE IN XXXX, BUT IT WAS REALLY THEIR FAULT. I was given a case number by the Chase representative is which I will give you later. They have fallen short of their duties or their word or their temporary contracts in past, so I want to have it on record of their mistake and how are they going to make sure they fix our credit report and our credit score from last XXXX XXXX to current, which has cost us more, due to we decided not to refinance our home for a over 3 % lower interest rate in which we had already been approved for by our local bank since our credit score would have been lowered by the mistake that CHASE MORTGAGE MADE. Since Chase did not apply our XXXX XXXX pymt accordingly, they told me on XXXX XXXX that all payments since last XXXX was made late, but it really was n't. it was their lack of responsibility of putting my payment where its suppose to be, now they also need to reimburse all late payment fee 's in which they also lied to me when I questioned why it was on my statement, they said its just where they list the fee 's and that I was n't being charged, but that was a lie, cause now I know thats the fee they been charging me. Its also why I did not know they did not apply the pymt correctly. They also neglected to issue us a new contract back in like XXXX & XXXX with all the Obama stuff, and we meet all the criteria and my husband had even found a job making more than what he was making when we purchased the home. They have cost us soooooooooo much heartache, tears, blood, mental anguish, frustration and now a 3rd time of not being able to refinance our home for a lower interest rate. If us the consumer is even ONE DAY LATE ON A MORTGAGE, WE PAY THE PRICE WITH A NEGATIVE CREDIT RATING FOR THE NEXT 7 YEARS, SO WHY DO N'T THE MORTGAGE COMPANIES HAVE TO MAKE IT UP TO THE CONSUMERS? AND I DO N'T MEAN IN A CLASS ACTION LAWSUIT WHERE ONLY THE LAWYERS MAKE GOOD, ITS US THE CONSUMERS WHO LOOSE OUR MONEY WHEN MORTGAGE COMPANIES XXXX US, THEY SHOULD HAVE TO PAY US THE LOSE, AND I DO N'T MEAN WITH A {$9.00} CONSULATION PRIZE CHECK WHILE THE ATTORNEY 'S MAKE MILLIONS!!!
Bank of America have managed several home loan products on my behalf since XX/XX/XXXX. I purchased a XXXX bedroom home in XX/XX/XXXX ( XXXX XXXX ), Bank of America purchased the loan in XX/XX/XXXX. I took out a home equity loan in XX/XX/XXXX from Bank of America, at this time I opt out of having my taxes included in the loan, and paid my property taxes myself. In XXXX XXXX, Bank of America requested that I provide them written proof that I had been paying my taxes and or proof of a payment plan or payment arrangements made with the taxing authorities in XXXX County PA. I sent them the requested documentation they needed but they decided to pay my property taxes up until XX/XX/XXXX ( {$3300.00} ), then forced an escrow on too the account. My monthly mortgage payments have gone up from {$470.00}, a month to {$700.00}, a month. I requested a home re-modification or apply for the HARP Program. My total families income versus the household expenses would make paying the increase a financial burden. Bank of America have denied my home re-modification application. I, as a consumer, have done everything that Bank of America have requested from me. I would like to remain in my current home that I have made monthly payments of {$470.00} and have never been late on this mortgage payment.