WillisBack/dataset-financial-user-claim huggingface dataset:
For the past year and a half ( since, at least, XXXX XXXX ), as a result of employment changing and employment termination, as well as facing a chronic, life-threatening illness and fluctuating health insurance marketplace tumult, my finances deteriorated. Throughout my financial decline, I remained communicative and agreeable to any and all amendments to my payment schedules with every and all creditor, specifically SANTANDER CONSUMER USA, the lien holder on my once-leased XXXX XXXX XXXX XXXX, original, manual transmission with little to no resale value according XXXX ( XXXX ). At the beginning of XXXX XXXX, I received written correspondence via post ( XXXX/XXXX/XXXX ), re : Notice of Right to Cure Default. In response, I crafted letters re : modifying my contract, faxed and mailed on or about XXXX/XXXX/XXXX. In addition, I spoke to multiple Santander Consumer USA representatives, some alleging to be from the office of the president. I have repeatedly attempted to mitigate any and all past due payments, in addition to forthcoming on-time payments to Santander Consumer USA. In regard to any consumer assistance or attention to the matter, I received no response. XXXX, XXXX/XXXX/XXXX, approximately XXXX, the vehicle was repossessed without notice. On XXXX/XXXX/XXXX, I received a letter shipped XXXX/XXXX/XXXX via XXXX ( XXXX Overnight ), dated XXXX/XXXX/XXXX, denying my request ( emailed XXXX/XXXX/XXXX ) of Santander Consumer USA representative XXXX XXXX ( by proxy XXXX XXXX ) to modify or renegotiate [ my ] contract with certain specifications. In the same letter ( received after the vehicle was repossessed by Santander Consumer USA ), I had been advised if [ I ] choose to voluntarily surrender my vehicle, [ I ] may give [ Santander Consumer USA ] a call so that [ Santander Consumer USA ] may assist.  On XXXX/XXXX/XXXX, I initiated contact by phone with a Santander Consumer USA representative who ( although useless ) confirmed my vehicle was repossessed devoid of communication and return of my personal property ( ie. 1 ( ONE ) laptop computer, 1 ( ONE ) XXXX XXXX XXXX XXXX and other incidentals ) was non-negotiable, as the useless representative refused to give me the information substantive to retrieving my ( now, seemingly, stolen ) personal property. At the very least, the actions taken by Santander Consumer USA and its representatives are flagrant examples of disregard for consumer assistance, satisfaction and response/respect and ability to accommodate consumer needs and Lessor obligations. More egregiously, Santander Consumer USA appears to have seriously violated consumer  compliance and contract laws, as well as violating consumer protection laws, in addition to false and/or misrepresentation of facts and claims regarding this account.
I asked Experian to delete an old collection account because it was past the statute of limitations and the debt collector could not longer collect on it. They conferred with the debt collection company it was a true account, however, they did not delete it from my report despite the collection ( medical ) being a HIPPA violation.
I have had $ taken out of my check at my work for nearly 3 years and have never received a statement or any documentation showing this. My employer is not giving me any documentation of anything in writing stating how or why money is being taken. They were only able to provide me a phone number and case number. After XXXX the phone number, I traced that back to Allied Interstate, who I 've never done business with our signed anything authorizing them to act on my behalf. I have not received any statements of my payments or other information. I am also reporting this to the State of Ohio Attorney General 's office, as this company 's address is listed in Ohio on their website. 

I have requested that this company communicate with me only via email, as I will have a record of documentation. I have requested a statement of my account. I have requested a statement documenting the chain of custody of my accounts from the time that I signed my loan documents. I have requested every document that you have my signature on. I have never had a load through Allied Interstate. 

In research RE : student loan collection, I 've read that the collector must be able to provide chain of custody documenting how they have come to hold the loan. I have not received any documentation as such.
I had a good standing checking account and a credit card at Wells Fargo. I was a victim of fraud. Someone deposited a fraudulent check through an atm and cashed out on XXXX dollars, as soon as I bacame aware I contacted Wells Fargo to notify them of the fraud that took place in my account. I also paid the overdraft caused by this intruder. I called Wells Fargo multiple times to tell them to help me. All of a sudden I found that they closed my checking account and froze my credit card. They ruined my credit. I trusted them and they treated me as a thief. I was a victim. I want to file a class action law suit there may be many more victims out there. I went to the bank several times to try to fix this. All they told me is that it was bank decision to close the account.
I made a mid month additional principle payment to my mortgage lender. They accepted said payment, but did not apply it stating they did not know what to do with it. They left it in a holding account. The additional principle is for minimizing interest and paying the mortgage off earlier. 
They want me to allow THEM access to bank draft and charge me a fee to do so. 
I find this situation unethical and disturbing in their practices.
On XX/XX/XXXX I received notice from XXXX XXXX that one of my accounts had been closed. 
Looking into this I discovered that First National Bank of Omaha had indeed closed my {$3000.00} credit account with a {$0.00} balance. 
I have had this account open for 6 years with an absolute flawless pay history ... .matter of fact I have a flawless pay history on all of my credit accounts. 

The reason I was given is that they use an automated system that determined they needed to close my account due to high balances. 
The {$3000.00} account that was closed pushed my utilization up to 56 % where it had been below that number. 
The reason I was given by Bank of Omaha was that they felt I was over extended and did not want to give me a chance to owe them any money and then not pay them so they closed my account before I had a chance to do that. 
Now I have a flawless pay history on all of my accounts ... revolving and installment and Mortgage. 
No reason to ever think I would not pay. 
Matter of fact I use my credit wisely and often pay off big chunks at a time, but really that is niether here not there. 
Because of this account closure ... ..that is 6 years old and flawless ... .they have hammered my credit scores by more than 40 points. 
Age/History makes up 35 % of your score. Now my scores have plumetted to the 660 range and this could cause a chain reaction down the line where other creditors might start cutting limits which will in turn drop my scores even further ... 
I had something similar happen in XX/XX/XXXX with XXXX and XXXX XXXX XXXXXXXX which you stepped in and helped me with and we were able to get their actions reversed. 

I understand that Bank of Omaha can issue and refuse credit as they see fit.. 
However, I do not see how they have the right to arbitrarily impact my credit scores when they have no track record of me being a bad investment. 
I have no bad track record on any of my accounts. 
The action of First National Bank of Omaha has made me look like I am just an average borrower of many when I have done nothing wrong.
I used remitly service to send {$1900.00} to XXXX The transaction was done on XXXX XXXX XX/XX/2019 The money was suppose to get transferred on XXXX th XXXX Today is XXXX XXXX XXXX but no updates Due to delay I occurred a loss as the money was sent to pay up my home loans The customer service is not able to solve the problem
I '' m filing this complaint against Wells Fargo N.A. for failure to engage in loss Mitigation. I was under approve for a modification in or around XX/XX/XXXX shortly after I started making payments. I was forced to retire from my job and I apply for my Social Security, which gave me a big reduction in my income. Which caused me to default. Now Im facing foreclosure which was file on XX/XX/XXXX. I engaged help from a HUD train Housing Counselor to help me get my modification reinstated. After we contacted Wells Fargo to request that my modification be reinstated along with my Housing Counselor they refused to work with me claiming that my loan was under ligation. She explained to them that my loan was in foreclosure and still under to redemption period Im trying to save my home. They totally refuse. My housing Counselor explained to me that she involved in a civil suit with Wells Fargo and she believes that was the reason why they claiming I was involved as well. My counselor informs me to made the call myself. I made a second call on XX/XX/XXXX to Wells Fargo they were very persisting about not being able to help due to the ligation. Upon asking which ligation they were referring to they fail to answer. Well Fargo demand that I seek out a lawyer, once again I ask the same question why do I need to hire a lawyer for a modification. They reply by saying because of the alleged ligation Im supposed to be involve in. Them they proceed to demand who am Im working with. Since they refuse to give me information concerning this ligation I refuse to tell them who Im working with. I feel like they have violated my civil Rights they are discriminating me due to my housing counselor, yes! I want to keep my home. Please HELP
I just got scammed, I had received a couple calls from an XXXX XXXX phone number XXXX on XXXX/XXXX/15 ( XXXX ), XXXX/XXXX/15 ( XXXX ), XXXX/XXXX/15 ( XXXX ) & XXXX/XXXX/15 ( XXXX ) stating I was approved for {$2000.00} and I even asked them and was approved for {$5000.00}, so all I had to do to get my loan was transfer the first payment of {$260.00} through MoneyGram to a XXXX XXXX in IL United States with no account info and would email me the confirmation # when it was transferred into my account and never emailed me a confirmation or text me when the money was in the account ; they ended up calling me back to ask if I was at the MoneyGram location and would help me thru it and I 'd get the money as soon as 30 minutes and as late as XXXX on XXXX/XXXX/15. The whole process took me an hour and half from work. I get a call when I got back to work saying the US government needs me to pay the taxes of {$420.00} ; that they deposited the money into my account but it was on hold from the government until I pay the {$420.00} but I 'll get it back ; I should 've known it was a scam because why would I pay out money if I did n't have money and was borrowing money and then pay out money again then they 'd give me my money, so now I 'm out {$270.00}. I finally went thru my bills last night and totaled up all I have due with store cards and all and it totaled {$4000.00} plus over an {$800.00} water bill from when we had the leak in the water pipe, I had a vet appointment for {$130.00} and I had borrowed the {$260.00} from a friend for the down payment thinking I 'd get the money back right away. I found this website : XXXX
I filled out a loan modification on XX/XX/XXXX, no one from Carrington has contacted me I have since called them 4 times (twice week of XX/XX/XXXX) (twice in XX/XX/XXXXXX/XX/XXXX) for follow up information on the modification. I was told in XXXX the modification application was complete and someone would be contacting me no one has called. When I called in XX/XX/XXXX I was told they needed last three months of Profit and Loss statement for our business. However, no communication was given to me and I would not have know this unless I called. I did however, receive documentation sent on XX/XX/XXXX that my loan had been sold to XXXX XXXX XXXX XXXX. I am guessing because I filed a modification but Carrington is not willing to help us. I also went to receive assist from the NC Foreclosure Program and have been requesting mortgage statement from Carrington and they will not send me the information. They stated because I was in a bankruptcy but I have requested my mortgage statements several times and I have not received anything. I need those statement to receive assistance through the NC Foreclosure Program.
I made a purchase though the Chase Visa Ultimate Rewards website link to a merchant website that gave me an additional 3 % when I " Shop through Chase '. There was an issue with my card and fraudulent activity after this purchase that caused the purchase to be denied. I then had to call the merchant and make the payment over the phone. However, I want to be sure that I am still awarded this additional 3 % cash back because it was my intention to do the transaction that way. It was not my fault that Chase canceled this transaction and issued a new card ( account number ). At this time, the post is pending and has not posted to my account. I was being proactive and wanted to inform Chase of this transaction to be sure they rightfully awarded the cashback. They told me I had to wait until it was posted. I informed them to make a note and check back as it would be easier for both parties. They  informed me they could not make a note. For that reason, I am submitting this complaint so this is not forgotten by either side and there is an official record of the issue to be sure it is handled correctly. Please make sure the correct cash back is awarded in this transaction.
It took XXXX months for the RM to go thru due to the Lender misinformation I had to notar sign documents XXXX I had to call my city planner because they then told me my townhouse did n't qualify. I spent hours on the phone myself doing their job That was wrong I own and paid for totally my home, the appraiser was XXXX hours late did n't take the pictures properly so I had to do that also. I recently had my daughter & granddaughter move in and need help so I asked for money from a line of credit which has XXXX XXXX and was told NO, I then ask for monthly payments and was told NO. This is insane to me I am not vacationing I am trying to take care of my family in this desperate economy.
I ran my credit report and soft inquiries have been run on my report for things that I have not authorized, as well as seeing an address in my credit report that does not belong to me. Also every 2 weeks I get text notifications stating that money has been deposited into a payday loan and that payments on a payday loan have been made. You can see the soft inquiries on the credit report I have run and I will start to save the text messages.
Had cash back bonus available & over 3 months ago I called to have it applied to balance. Now the status of the card has changed and because they never did it 3 month ago now they wo n't. The card was Capital One and I just wanted my bonus to be used towards paying my debt and they did n't do their job then or now.Why is that ok that they do n't have to uphold their end of the contract but I do!
DATE : XX/XX/XXXX RE : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX. 

RE : Hyundia account # XXXX Dear CFPB : I spoke with XXXX XXXX from XXXX XXXX XXXX regarding my paid off old auto loan that is now disputed with XXXX. I sent Hyundai and XXXX   two disputes on XX/XX/XXXX regarding five late payments, they where never late Hyundai did not credit the payments on time. They simply said they were accurate and I needed to provide then " additional supporting information ''. 

I had spoken with XXXX XXXX from XXXX today XX/XX/XXXX and found the Hyundai account not reporting the entire payment history beginning XX/XX/XXXX-XX/XX/XXXX.  There is four years of payment data history missing and I asked Hyundai and XXXX ( XXXX XXXX ) to include that payment history because it is not showing on my account. 

As per the Fair Credit Reporting Act information must be one hundred percent accurate and verifiable. Simply reporting the late payments and excluding the positive payment history is misleading and I am asking XXXX  to include all the payment history in the record.
In XX/XX/XXXX, USA Discounters/USA Living filed a lawsuit in the state of Virginia for an account I opened on XX/XX/XXXX while serving as an XXXX Service-member. They charged me 18 % to 19.05 % interest rate and {$5.00} XXXX Specialist service fee. In XX/XX/XXXX, I was medically discharged from the service and could not make my payments on time or at all due to lack of or fixed XXXX income. In XX/XX/XXXX, I could not keep up with payments, and finally had to stop payments to USA Discounters in order to live. I offered USA Discounters to retrieve its merchandise several times prior to the lawsuit and was told they can not retrieve the merchandise. On XX/XX/XXXX, USA Discounters filed a lawsuit and was granted a judgment in the state of Virginia ( in which I could not attend court due to lack of funds to travel the distance ) instead of my home of residence which is out of the state of Virginia. I have not been employed since XX/XX/XXXX.
Equifax tells me that they completed my disputes and I can view results. I have tried several times to see results and they tell me I dont have an account?. Crazy! The other 2 credit companys have resolved problems. For some reason Equifax is the only one that hasnt fixed the problem. Im in desperate need of having to refi my home and this is really causing a serious problem.
We applied for a residential mortgage on XX/XX/2017 directly with Quicken loans We locked the rate in at 4.375. My co applicant was the main point of contact and over the course of 90 days, she expressed frustration on the lack of response, confusion over fees which changed constantly I took over as the main contact in XX/XX/XXXX, identified what I perceived as the fees disclosed from the various disclosures and an assurance that we would close by the next rate lock of XX/XX/2017. I was told that everything was in place and no problem going forward. The process moved from person to person with a complete lack of timeline. The XX/XX/XXXX rate lock passed despite earlier assurances to the contrary. XXXX was told that there would be no problem with the rate lock being extended at no cost. We received a disclosure dated XX/XX/XXXX which was agreeable. 
The process continued to drag and when the final numbers were put to us, the closing costs were XXXX compared to the XX/XX/XXXX disclosure of {$3500.00} in closing costs after a constant flipping between the discount rate and the credits back to us. This is a difference of {$700.00}. The responses back from Quicken/XXXX XXXX were unbelievable " I would be upset if I was in your place ''. " There is nothing that you did wrong ''. " This is as good as it gets ". At my insistence on speaking to his supervisor, I was told " You can but it wo n't do you any good '' XXXX supervisor XXXX XXXX gave me the same message " There are no more credits to give '' Since the rate lock was coming up again and the appraisal was due to expire, we reluctantly proceeded to closing and signed the papers as is. 

When I reviewed the documents, Quicken had put both of us on the Deed of Trust despite our agreement that I would only be on the loan and not the property. When I questioned this with a Quicken " title expert '' XXXX XXXX, I was told that the deed only affected the loan and not the property. Wrong! 

Now I am having to employ an attorney to prepare a quit claim deed and have it recorded and pay a transfer tax ( as well as legal fees ) in order to remove my name from the property. I am damaged in that by paying {$700.00} more in fees, there was less cash disbursed to me and now my co applicant has to pay me that cash out of her pocket. Overall I feel that we were deceived and having to pay additional fees. I have no doubt that Quicken wanted this loan to go away because the rate was under market and at no time did I feel that they were making the process clear and helping us close the loan. I am a banker and know what I am doing so I hate to think what an unsuspecting lay person would be subjected to.
I was contacted by Mnet Financial ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) initially where they said that I owed their company a debt of {$530.00}. I told the representative of Mnet Financial that I would remit payment to the owners of the debt which is XXXX XXXX XXXX. At that time, I submitted a payment to XXXX. Shortly after, Mnet contacted me again asking for {$530.00}, and when I explained that I made a partial payment to XXXX, I was instructed to stop paying them and to remit payment to Mnet, as XXXX would no longer be accepting payment from me and that the debt was now owned by Mnet. 
I stated that I would not be making any future payments until I was sent an accurate invoice. The representative attempted to argue with me, but eventually agreed to send an updated invoice taking into account the amount I said that I had already remitted to XXXX. When the updated invoice was received, I made another partial payment ( 4 times the minimum monthly payment that Mnet said was required ). Several weeks later, Mnet contacted me stating that they need payment again. I requested an updated invoice which would acknowledge my previous payment. The representative stated, " No. We do n't do that. '' I explained that I would make no further payments without an invoice. The representatives continued to call asking for payment. Each time, I requested an invoice be mailed to me, they refused repeating the same answer, " We said we do n't do that. '' The very last time they called, the representative of Mnet stated that I owed an amount which was {$60.00} over the amount that I knew I owed. I still have the original invoice sent by XXXX, and I have copies of the cashed checked from the bank, so I knew that I did not owe this amount. 
I asked for an invoice again, and the representative refused again. At this point, I ended the call. 
I called Mnet later that day to request proof of their ownership of the debt. I said, " Earlier today, I asked for an invoice. I would like an invoice to be sent to me. '' The response I received was, " And we told you we do n't do that. '' I responded, " Well I contacted an attorney about my rights, and I need to see proof of the ownership of the debt. '' At this point, the representative immediately disconnected the call. 

Weeks later, I received an invoice with a different amount than what the representative was asking for on the phone call. 

Mnet has continually used the tactic of misrepresenting the owner of the debt, and have added on additional fees to the balance even though the debt owner has not expressed in writing that these fees were legitimate charges or even expressed a description of the fees. 

While I was able to identify this, and not agree to simply continue paying them with no documented evidence that my payments, in their entirety, are being remitted to the actual debt owner, I have reason to believe that this company is taking advantage of other individuals who may not question the additional fees and charges, or even the validity of the debt.