WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a car of the year from XXXX in XX/XX/2013. They were using Santander back then ( & they are no longer using them now due to Santander 's bad reputation ). I thought I was getting into a normal loan for 72 months ; the original loan was {$18000.00}. Between XX/XX/2013 thru current year, I have paid Santander a total {$18000.00}. I was shocked to see that during these years, Santander has applied {$14000.00} ( + ) towards interest & only {$4500.00} towards my principal balance. This is how they are robbing people!! They still want me to pay them {$14000.00} more. I've already over pay them & with my XXXX and medical bills, I cant afford to pay them another XXXX. The APR is almost at 17 %. I didn't this would be a balloon loan. I need some assistance & I want to fight this ; I'm not only doing this for myself, but for all those FL victims going thru the same. I tried to get XXXX XXXX news involved, but Santander was refusing to discuss my account with them. But Santander 's executive office from TX contact me & it was like I was speaking with customer service. They were not helpful & made a sarcastic remark that I should have know they were a high loan & ended the call with me that way ; sending me an email 10 minutes later stating my 'case ' as closed. This is why they just recently got sued for millions in both Massachusetts & Delaware. I received a few voicemails from them threatening to come to my residence, workplace, or look up my siblings through XXXX and contact them ( which they did ), if I dont respond & that if no payment is made in the next couple of weeks,  they will find me & repossess my vehicle. I really have no more money to pay them. I was just recently hospitalized & I'm still recovering and have rent and hospital bills to pay. I shouldn't have to pay them another dime. I want the title in my hand. Please help.
My name is XXXX XXXX, I have been writing and sending certified letters to XXXX XXXX in regards to a care credit credit card ; the company is claiming there is an account that they claim to be charged off in the amount $ XXXX.This account in negatively reporting on my credit reports. I previously disputed this account on two separate occasions. Not only that this company has yet to mark my credit report as disputed and I set out the first dispute letter XX/XX/XXXX, 2017. This is not my account, the debt collector 's has not been able to validate the account. This account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I signed any legal document with my signature binding me to a contract with this company.The account in question # XXXX the whole account number is n't reported as well. Thank you
The following inquiries are not mines, and my request are for them to be removed, I understand what inquiries are, and understand me when I say I did not apply for neither, .. XXXX/ XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX - XXXX XXXX, XXXX ( XX/XX/XXXX )
This is a copy of the voice transcript of a message from Trans world Systems. They think I have a debt. 
" company (? ). This is an attempt to collect a debt and any information obtained will be used for that purpose. Please return the call to XXXX XXXX-either (? ) at XXXX. Again that 's XXXX had either (? ) at XXXX. Thank you. Trans world systems Incorporated is a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose. When calling please refer to your ID code XXXX. Thank you. ''
Got a call from USI Solutions , Inc but did n't answer. Did a little research and found out they are junk debt collectors.
I sent a certified letter requesting verification of the alleged debt. I have not received proper documentation. I also sent a letter requesting cease and desist and continue to receive calls from the company.
I am Owner of a Unit at the XXXX XXXX at XXXX XXXX XXXX in XXXXXXXX since XXXX. Our XXXX XXXX have every year renewed the corresponding XXXX XXXX Policy on time. Since XXXX thru XXXX I have been paying my monthly mortgage to different Lenders without any inconvenience. Ocwen Loan Servicing , LLC, located at XXXX XXXXXXXX and XXXX XXXX XXXX, XXXX, my current Mortgage Lender over 4 years, after GMAC was on Bankruptcy, demanded on XXXX that my Unit was not covered for any Property Insurance Policy, which was refused & we provided our XXXX Master Policy effective since XXXX - XXXX. Later on XXXX, Ocwen again sent to me different letters ( attached to this Claim ) regarding the same issue and for a forced placed Insurance Policy interior improvements coverage for the period XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. I provided copies of our Condo Master Policy and Certificate of Liability effective XXXX - XXXX from the corresponding Underwriter Insurance Company. We explained my Mortgage was refinance on XXXX and I have no obligation of any additional property coverage other than our Condo Master Policy. Interior coverage is just an option for Home Owners, not an obligation, according to our Condo Master Policy and my Mortgage content. Any previous Lender, nor Ocwen at the beginning of receiving my monthly payments, never requested additional interior property insurance, until XXXX. Every time we tried to contact Ocwen Customer Services ( XXXX or XXXX ), always a foreign representative from XXXX, XXXX, XXXX, XXXX, just had responded to me my obligation about the Insurance Policy. Finally, Ocwen on XXXX/XXXX/XXXX, illegally deducted from my Escrow Account the amount of {$1600.00}, which currently is in negative balance so, I demanded to have my records with Ocwen CORRECTED and have de insurance REMOVED, because I do not owe for the forced placed Insurance Policy No. XXXX, XXXX XXXX. XXXX with XXXX XXXX XXXX COMPANY forced and illegally imposed by Ocwen on XXXX/XXXX/XXXX. As I have not been able to resolve this problem by my self, I requested legal services thru an XXXX Law, who has sent several demand letters and Ocwen just has responded requesting additional time, which has been expired without any response. Now, I have found this additional legal resource in order to be investigated this issue because I have found online other complaints against Ocwen ( XXXX ) for Rip-off reports.
My loan is with Navient, and my payments were {$31.00} a month for a year, I resubmitted my " Income driven repayment '' application and they told me that it would take up to 15 days to recalculate my payment. Well the next month ( XX/XX/XXXX ) {$210.00} was taken out of my bank account. I contacted them on XX/XX/2017 and was told that they would refund my money. Three phone calls later and it is now XX/XX/2017 and my money still has not been refunded. I know that I am not the first person that this has happened to, and being that I 'm not wealthy, I need my money to buy groceries, gas, bills, etc.. Navient needs to find a way to get refunds back faster to their customers. It was taken out of my bank account, but they say their mailing me a check? Why? I did n't pay by check, and it takes 2-3 weeks for processing. Also, when they determine the amount you are due to pay, they go off of your Net pay, instead of Gross pay. Do they not know that we have taxes, SS, retirement, insurance, ect.. taken out of the Net pay? I really want to pay off what I owe, but I will not go broke for them, and my balance is the same now as it was in the beginning. This loan repayment system ( Navient ) is feeling more like a scam.
THE FRAUDULENT ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME. 

1. XXXX 2. XXXX BANK 3. XXXX XXXX XXXX 4.  XXXX
Hi, I am writing because I found out that i have a debt collector that is affecting my credit score. This debt is not mine, and the collector refuses to remove it from my husband 's and my credit score. What do i do? when we told the lady that is not ours and we wanted to negotiate to get rid off it she denied, and offered for us to pay about XXXX which is what the debt showed as early this year ... i just checked this again and it went up to almost XXXX! This debt used to showed as of year XX/XX/XXXX and i checked it again and they changed it to XXXX. We reside in XXXX and under the statue of limitations it says that they should get rid of this issue next year ( 5 yrs ), but they changed the date to XX/XX/XXXX! the debt collector is : Rent Recovery Solutions form XXXX
Monterey Financial Services aka XXXX XXXX is reporting that I owe them 2 different amounts on my credit reports ; one in the amount of {$2200.00} that they stated was closed on XX/XX/XXXX, and one for {$4100.00} they state was closed on XX/XX/XXXX. 

The payments I made from my XXXX Account are as follows : XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$600.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$120.00} XXXX XXXX XXXX CA XX/XX/XXXX {$92.00} XXXX XXXX XXXX CA XXXX {$100.00} XXXX XXXX XXXX CAXX/XX/XXXX {$170.00} XXXX XXXX XXXX CA XXXX {$83.00} XXXX XXXX XXXX CA XXXX XXXX did not inform me they had closed my account and opened another account. When I talked to them in XX/XX/XXXXI explained my situation. They told me I could make a balloon payment which is what I did on XX/XX/XXXX. 

Additionally, XXXX XXXX stated in my credit reports that my account ( which I never opened ) for {$4100.00} was closed on XX/XX/XXXX. XXXX XXXX called me today ( XX/XX/XXXX ) and told me they needed a payment of {$4100.00} today or they were taking legal action. When I explained to the CSR that I had filed a complaint and would copy her on the complaint, she told me that she was notating in my account that I refused to provide her with information.
I submitted evidence to Transunion 30 days ago showing that my report has erroneous payment history for XXXX XXXX. I only had 2 months of 30 day late payments in 2018. The rest of the months should be reported as paid on time.
Nationstar acquired our mortgage from XXXX in XXXX of 2015 and immediately began showing delinquency of monthly payments, which was not the case. They then began sending me letters indicating payments were missed altogether and further action would be taken to collect the debt if this was n't corrected immediately. sent statements showing two months worth of payments were due even though their own transaction history on the website showed no missed payments and all payments completed. To make matters worse, my credit report now shows XXXX missed payments and several late payments and has ruined my credit worse than it already was. Each month I receive a nasty letter saying my payment has n't been received, even though it has been deducted from my account and shows up on their own transaction history. attempts to contact them have been completely futile as the XXXX or XXXX person on the phone barely understands me nor I them. My last actual conversation with them was a XXXX minute explanation by me of their own transaction report showing all payments made and absolutely no comprehension on their part of what I was trying to illustrate. I 'm ready to sue and have consulted with an attorney on the matter, but my costs will be ridiculous in order to get this matter resolved. Please help if you can to clear this up. I feel as if the company is not a mortgage holder, but a debt collection agency which is trying to squeeze something from me they are not entitled to. I never had a single issue with XXXX by comparison, but these people need to make it right and stop harrassing me about their own incompetence. Thanks
This was an XXXX DOLLAR CHARGE FROM 2013!! I PAID IT OFF MORE THAN 40 DAYS AGO. IT IS STILL SHOWING UP ON MY CREDIT REPORT ON EQUIFAX. THE PEOPLE AT XXXX XXXX XXXX ARE SO STINKING RUDE!!!!
hello I was checking my credit report with your company and I found different agency and card that I never fill out or use. and very worry about my credits
I had a credit card with Bank of America in XX/XX/XXXX account has been closed since XX/XX/XXXX. It still shows on my credit report should have been removed after 7 years. The statue of limitations for this to appear on your credit report is overdue.
This is my second complaint submitted to Chase. I recently submitted a complaint and forward to Chase over a month the paperwork for which I have not received not even one letter about my case. I am enclosing the package that was sent to Chase with the evidence from the Postal Service. What is the next step?
I have called Citibank several times over the past few weeks. I had a credit limit of XXXX untilXX/XX/XXXX, when I PAID off my card balance. They then cut my credit limit to {$500.00} - even though my credit score went UP 50 points. I called today, XX/XX/XXXX, to complain, and my card was closed. They then told me I would need to REAPPLY and couldn't guarantee that the card would be reopened.
XXXX has been taken out my account without my permission when I call my card I had heard the balance was {$1.00} I called the company so that they can follow dispute they have yes I put my money back on my card they keep hanging up the phone on me and refused to send me a dispute form the account have went on frozen and the issue has been resolved as of yet I want my money I work hard for my funds
My name is XXXX XXXX, I am writing regarding my house XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX, I have been trying to work with Wells Fargo for the past XXXX months to make payments on my home that is being up for sale for Foreclosure on Friday XXXX XXXX 2015, I made my payments but is still being Foreclosed, I was NOT NOTIFIED of the Foreclosure Auction Sale date for my home, I found out by my Renter frantically calling me XXXX days ago, saying a real estate agent came to the house and told her the situation, I was told by XXXX XXXX, that she was waiting on XXXX to make a decision on the acct, But I called XXXX and they said they did n't know what I was talking about, I also talked to XXXX XXXX with XXXX XXXX XXXX, I told her how my account is supposed to be under review, she told me that she could postpone the Sale if someone from Wells Fargo would call them and tell them to post pone the sale until further notice .But No one will do so. So I am confused why No One is willing to help me, me and my family have been a customer with Wells Fargo way over XXXX yrs, and this is how we get treated. I was told XXXX XXXX is the person on the top of the Mortgage section, but she will NOT return our calls, we leave her messages, when we do get a hold of her, she says she 'll call back but does n't. No one will help me, this is my only chance of saving my home that is supposed to be left for my kids. I hope I will hear from someone by tomorrow..I 'm sure the President did n't give the banks a Bailout, to treat us citizens this way ..I am begging the bank to take my money but they 're making accuses for not taking it, now that finally took the payments, they 're sitting on it, so my house can go Auction sale on Friday the XXXX. So I am getting the run around by Wells Fargo, and they will Not tell me who they 're waiting on to continue with the case.. Please help I can be reached at XXXX
BANK OF AMERICA N, A. Today how true it's become, there's nothing in the Laws of Protecting the consumers with home mortgages during only the choices of the lenders and the servicer decision and times of transfer. There seems only question How BANK of AMERICA can walk away after 15 yrs of paying them on time, monthly in full, and year to date. I have been set up to be forced into a unnecessary fore closer of BANK of AMERICA choice of timing to sell my loan, Since this has become to be a dog eat dog situation now without understanding how this is all possible with ( NOT ) having My original loan documents in hand to understand, If the truth of increases of payment are TRUE, Today,? I smell a big FAT HUNGRY RAT here.? With the viewing of there last statement at the end of XX/XX/2018 there statement reads my Interest only loan is over XX/XX/XXXX and also within my terms of my loan, ( IV'E STILL BEEN DECLINED ) in asking for a copy? Also in the terms of My loan the interest rate stayed the same for a period of a year So let 's add 1.25 % to My XXXX interest rate and make it 5.25 % also effective XX/XX/XXXX..that might also increase the payment, ( YOU THINK ) it doesn't take rocket scientist to explain with paying interest only for the past yrs and adding a higher interest rate with Of coarse Principle also on XX/XX/XXXX your NEW grand total DUE AS your Monthly payment went from affordable yes maybe if i was working at this time, TO GOOD LUCK BETTER FIND A JOB LOSER YOUR payment are NOT GOING TO BE AFFORDABLE NOW AT XXXX.. So loser thats paid B OF A as on time, monthly for 15 yrs, calls to say I need help B of A? Send the forms, print them from On line as available, Sure the next day I do .Wait for answer, nothing in there, system, send again,, THE LETTER CAME, there walking papers of saying your loan has been sold, transfered, as of the most exciting day of XX/XX/XXXX,? ( loser ) is right NOW WITH DOG EAT DOG, Iv'e been thrown out to Have the XXXX Basically finish me off with biting my head off as been forced to pay the {$3700.00} new payment as late with running to understand how this has? yes TRUE sending me a late payment AND saying know they haven't received a payment for XXXX thats cleared as my bank tells me today has,????? new letter today says i owe them for two months here WE GO {$7600.00} IN TWO DAYS THATS WITH LATE FEES INCLUDED THANK XXXX,? SURE NO PROBLEM, is THIS REALLY THE WAY THE BANKING WORLD HELPS TODAY, YES ALL TRUE, Thank you XXXX XXXX ( LOSER ) watcha going to do now, THERES NO LAWS TO PROTECT YOU? Intention of B of A UNNECESSARY RELATION OF UNNECESSARY FORE CLOSER TO PROFIT OF MY CONTACTING FOR HELP TO BAIL OUT AND WALK?
ON MY CREDIT REPORT THERE WERE SEVERAL ERROR ACCOUNTS THAT DID NOT BELONG TO ME. I BEGAN MY PROCESS OF DISPUTE WITH ALL 3 CREDIT REPORTING AGENCIES. 
I SENT A SERIES OF 4 CERTIFIED LETTERS RETURN RECEIPT TO THEM LISTING THE ACCOUNTS AND REQUESTING THAT THEY BE VALIDATED OR REMOVED. IN FACT WHEN THE CRA'S DID IN FACT REMOVE A FEW OF THE ACCOUNTS IN QUESTION, MY SCORE ACTUALLY WENT DOWN 100 = POINTS! THIS IS UNACCAPTABLE, I AM FULLY AWARE THAT THESE CRA'S CAN MANIUPLATE CREDIT SCORES AT THEIR WILL, ( I HAVE SEVERAL YEARS IN CREDOT AND COLLECTIONS) AS OF THIS DATE XX/XX/2018, 
THERE ARE STILL 2 ACCOUNTS ON EQUIFAX AND NOW 3 ON XXXX. 
THE THIRD ONE IS A COLLECTION AGENCY FOR ONE OF THE ERRONEOUS ACCOUNTS XXXX XXXX XXXX. THE COLLECTION AGAENCY IS XXXX XXXX. I SENT THEM A CERTIFIED LETTER AS WELL INFORMING THEM THAT THIS IS NOT MY ACCOUNT, I HAD REQUESTED 4 TIMES PREVIOUSLY THAT XXXX XXXX  REMOVE THIS ACCOUNT SINCE THEY REFUSE TO SHOW ME MY SIGNATURE ON A CONTRACT, AND THAT THEY MUST IMMEDIATLY REMOVE THIS FROM MY REPORT.  THEY STILL HAVE NOT DONE SO. 
THE ITEMS THAT REMAIN ARE : 
XXXX                                                 EQUIFAX                        
1. XXXX XXXX XXXX                                     1.XXXX XXXX XXXX
 2. XXXX XXXX XXXX,                            2. XXXX   XXXX
3. XXXX XXXX.  

AFTER EVERY ONE OF THESE CERTIFIED LETTERS, THE RESPONSE I RECEIVED FROM BOTH CREDIT REPORTING AGENCIES WAS " ACCOUNT VERIFIED BY CREDIT GRANTOR"  THIS VAGUE RESPONSE IS A DIRECT VIOLATION OF SECTION 611 (5) (A) OF FCRA. 
I AM REQUESTING THAT YOU INTERVENE ON MY BEHALF AND ENFORCE MY RIGHTS TO HAVE THESE UNVALIDATED ACCOUNTS REMOVED IMMEDIATLY. 
ADDITTIONALLY, XXXX XXXX IS IN VIOLATION OF FCRA AS THEY HAVE DELIBERATLY NOT COMPLIED AFTER THEY RECEIVED THE CERTIFIED LETTER ADVISING THAT THIS IS NOT MY ACCOUNT AND THEY MUST DELETE IT IF THEY CANNOT VALIDATE IT. ( IT IS CREDIT ONE ) DULICATE ACCOUNT , ANOTHER VIOLATION. 

IF I DO NOT OBTAIN RELIEF FROM THIS LAST EFFORT TO HAVE MY CREDIT RESTORED BY REMOVING THESE ACCOUNTS AND MY SCORE BEING INCREASED BY THE CRA'S (AGAIN THEY LOWERED MY SCORE AFTER REMOVING SOME OF THE ACCOUNTS) MY NEXT COURSE OF ACTION WILL BE LEGAL. CITING CASES XXXX vs. XXXX    and XXXX, et al v. XXXX XXXX.

I APPRECIATE YOUR ASSISTANCE IN THIS MATTER AND AWAIT YOUR REPLY.  

XXXX.
I had scholarship with  XXXX  university, earlier this year i looked at my credit report and noticed there has been lots of student loan that appeared in my credit report that were not mine. i immediately filed an identity theft report and also contacted the source that they are reporting these fraudulent account and told them about the account that do not belong to me and requested to be removed from my credit report, and they asked me for a police report which i contacted police department and field a police report as well. as of this time not only they have not send letter to the bureaus and informing them that consumer is disputing these accounts they are refusing to give me any information and they are reporting wrong information to  XXXX  major credit reporting agency and i am here to get help.
XXXX XXXX. 2015 Chase Bank charged my account {$34.00} for an NSF fee. The account had a balance of {$780.00} and XXXX XXXX debits came in. XXXX for {$100.00} and the other for {$1000.00}. Chase paid the larger item first thereby allowing them to charge XXXX fees of {$34.00} each. 
The {$100.00} debit should have been paid XXXX and the {$1000.00} XXXX. This would benefit the consumer and Chase would not be able to charge for XXXX NSF items. Chase paid the larger item XXXX and therefore allowed them to charge XXXX fees of {$34.00} each. I called and asked Chase to refund the {$34.00} for the {$100.00} ACH debit. I was denied. 
Chase 's reasoning is that they had done the allowable courtesy refunds to my account for 2015 and was unable to perform any additional courtesy refunds on my account. 
Why is paying items when they come in based upon the money on hand considered a courtesy. I understand perfectly the charge for the {$1000.00} as the deposit covering that ach was not credited until XXXX/XXXX/15. I want my {$34.00} XXXX to my account.
My bank is withholding funds equal to an amount of altered check. I notified the bank of the altered amount on the day it cleared my account ( XX/XX/2017 ) in accordance with U.C.C. Article 4-406. The bank has told me that the funds are not available to me due to Breach of Warranty but can not tell me what warranty I have breached. The bank will also not give me a date on when the funds will be available to me, and will not even guarantee that I will get the funds back at all. The bank should not have honored the check for more than the legal ( long-hand ) amount and because it was not endorsed by the payee. I believe the bank is in violation of U.C.C. Article 4. I do not see anywhere in Article 4 ( or ECCHO rule 9 ) that gives the bank the authority to withhold, and certainly not, to refuse indefinitely access to my funds since I provided timely notification and the check should not have been honored in the first place. It is unfair that the bank has use of my funds to compensate them for their error.