WillisBack/dataset-financial-user-claim huggingface dataset:
My recent streamline refinance added back MIP which we met that obligation back in 2015. Caliber will not remove it please see attachment for all supporting documentation.
I purchased my vehicle XX/XX/2012 first payment started XX/XX/2012 for a 72 month car loan through Santander at 21.25 % interest .Although some of my payments were late I have been able to maintain making payments never had a repossession, Ive made 49 payments of {$620.00} up to this date. 
This car has been reliable until recently Ive had to put over XXXX in car repairs over last 2 momths and was told I need to get rid of it by the mechanic because its going to be too much to fix now I had to get a waiver from the DMV in order to register the car becsuse it fa iled smog .twice even after the necessary repairs were done. The mechanic which fixed my car XXXX XXXX on XXXX XXXX XXXX. XXXX XXXX Nevada says it would cost close to XXXX for Timming chain and once they take the engine apart its no tellingwhat else theyll find and it could cost me more money. 
Ive been tryingto get a reliabe vehicle and trade thecsr in but no auto dealer want to take negative equity anf apply to a different car. 
Santander is reporting incorrectly my paymemts and not applying payments to my account according to agreement. Santander has alsobeen addeing extra amount to increase my balance during the loan without my knowledge. 
Ive had some difficult times over the life of this loan due to unemployment last year, and prior personal difficulties and needed extnesions on payment. The customer service representstive for Santander gave me misleading information when getting my extensions I was under the impression The 4 extended payments would just be put on the back of loan which would make me have 4 additional months to pay or I could pay extra before the end of loan period to complete the payments. 
I want my account totally audited all of my payments to make sure account is being managed correctly and for my correct balance to be reported correctly on my credit reports. 
This isnt only affecting me and my credit but its also affecting my daughter since she was my co-signer for this vehicle at that time. 
She also purchase her vehicle at thst same time we thought we were getting a deal. 
Santsnder has sold or transferred her loanto another finance company she is also making payments since XX/XX/2012 and feels she is getting ripped off shes saddened and regret cosigning although she was happy to help atthat time. 
please help to resolve this issue. 






my car is only appraising at XXXX now which was done by XXXX. Santander is reporting that I owe over XXXX. 
currently. My credit reports have XXXX different amounts that I 'm supposed to owe Santander.
On XX/XX/18 I obtained my Experian credit report ( Report # XXXX ) and after reviewing it I noticed that I have 1 negative account and 2 inquiries that I do not recognize which is definitely fraudulent. The 1 negative account is from a XXXX XXXX, XXXX and there are 2 unauthorized inquiries from XXXX Card and XXXX XXXX of which i have no clue why it is reporting on my credit report and there is an obvious error. I have never done any business with the companies listed on my report. I have filed a police report and I have disputed this before with Experian to no avail. This is affecting my credit and I am asking for help with this matter. 
Thanks
My loan was sold from XXXX XXXX XXXX & Reporting to JP Morgan Chase Bank In XX/XX/2018. At the time my loan was sold I was 3 months ahead on my payment. I do this intentionally as I am a self employed person and want to be ahead on my payments. I have called and requested payment coupons twice and have still never received anything. They have told me that I was current and my next payment is due in XX/XX/XXXX. I am frustrated that they will not send me anything so that I can stay ahead of my payments. Over the last two months I have been paying interest on the principal balance. If you look at my history with my previous loan you will see that I not only pay ahead but I pay extra to keep my balance decreasing. Is there any way I can have my loan transferred back to the previous servicer? I am very displeased with the current servicer and there lack of customer service.
A company called " Municipal Services Bureau '' calls every single day at XXXX XXXX PST ( previously at XXXX XXXX PST ) and has done so for about six months. Each time an automated recording asks that we call the company 's toll free number. I understand from an internet search that this company is a debt collection agency. I do not have any outstanding debts and wish for this company to stop calling me.
I contacted this company on numerous occasions asking them to validate the debts to which they have reported on my credit profile. However, I never received a response form the company. I went online and disputed the same accounts through the credit bureau to which they replied the accounts were mine. I will ask one last time for a debt validation on these fraud accounts. I am asking for a copy of the contract which contractually binds me to these debts. There are XXXX accounts beginning with the number XXXX which are reporting. I will not hesitate to contact a consumer attorney if these accounts are not deleted. I have been denied credit on XXXX occasions because of their unethical tactics to get me to pay a debt I do n't owe. I know that my rights have been violated. Please govern yourselves accordingly.
Experian failed to report any positive credit on my credit report, this has lead to me loosing the opportunity to purchase a home before interest rates went up. The failure to report positive credit has lead to me paying higher interest rates on credit cards and forces me to purchase a smaller home at higher rates costing me {$10.00} 's of {$1000.00}. This also allows predatory lending practices to happen.
I have requested that previously DISMISSED CH XXXX filings be removed off my credit report due to the age of the records. The filing dates are over 7 years old and the clock starts ticking from the date of filing not the date of the discharge or dismissal. The Trustee 's office stated the same to me and suggested that I file a correction through the XXXX reporting credit agencies. 

I am currently in a CH XXXX and will be successfully discharged in XXXX/XX/XX/2017. I am trying to clean up my credit report before I get the discharge.
XXXX XXXX  has charged me over half of my {$300.00} credit limit in fees. These fees are late charges incurred after paying my bill but XXXX  XXXX  failing to constitute the payments as such and have marked the payments only as credits. After multiple diaputes XXXX  XXXX responded by adding an additional charge, bring the total amount of fees to {$170.00}. The rest of the {$130.00} credit limit is in interest only and from no charges of my own.
Credit Company :  Barclaycard  Reward Program : Take {$100.00} Off Your  Next   XXXX   XXXX   Flig ht Offered By   XXXX   XXXX   XXXX   XXXX    MasterCard Pro blem : Reservation was made on  X/XX/2017   at   XXXX  as instructed by the program. However the tab " Gift Card/eVoucher '' was no where to be found on the web page for entering the flight discount code and the pin. I went ahead to complete the flight reservation. I wrote to  Barclaycard  on  X/XX/2017   an d raised the issue. I have attached the   XXXX   reservation Record  Locator Code and a copy of the reward offer discount code and the pin number I received a response from Barclaycard  dated  X/X/2017   -telling me they were unable to complete the request and a sked me to call their Customer Services. I call ed Barclaycard Customer Services  on  X/X/2017  . Th e Customer Representative told me to try to make another flight reservation using the discount code and the pin. I told her this was not acceptable. Then she said it was not their problem. It was   XXXX   XXXX   problem After waiting for an hour to connect with  XXXX , she came back and told me she could n't solve my problem.
USA Living has been harassing me and making threats to me of taking me to court for dept that I currently can not pay cause i just got out of the XXXX and told them that i am trying the best i can to find a jobs to pay but also feel i have been a victim as well. I know they been sued for there practice and i know they plan on using a XXXX court to do so knowing i can not make it. I need help.
1st account : opened on XX/XX/2014. account was paid in full ( {$53.00} ), spoke to personal by phone to have it removed from credit report XX/XX/XXXX.

2nd account : opened on XX/XX/XXXX. account was paid in full ( {$260.00} ) .spoke to personal by phone to have it removed from credit report XX/XX/XXXX.

3rd account : opened on XX/XX/XXXX : account was paid in full ( {$170.00} ) .spoke to personal by phone to have it removed from credit report XX/XX/XXXX.
All the inquiries fromXX/XX/XXXX and XX/XX/XXXXare not from me. Somebody has been applying for things in my name. The only valid one is for XXXX XXXX. I had to place a fraud alert on my credit because somebody has my information.
AES ( American Education Services ) is trying to collect a debt that is no longer owned by the loan holder that they claim is the loan holder ( XXXX XXXX XXXX ). I spoke to several people at AES as I was trying to pay a debt that was originally placed on my bankruptcy and resolved, however, I was told its a possibility of it re-surfacing. After speaking to AES and them telling me they were not the loan holder and they could not change anything with my loan, I asked who is the loan holder and contacted who they said is my loan holder which is XXXX XXXX XXXX. XXXX XXXX XXXX said they do not own my loan and have no records of it. I then called back to AES and was told, " no one owns my loan ''. I now know that they are just a collection agency trying to collect a debt that was resolved in my bankruptcy in XX/XX/2009. I want them to take this off my credit and to stop harassing me.
Called XXXX XXXX to discuss making a payment arrangement to satisfy a debt that I owe. I offered a payment of a {$100.00} a month ( {$50.00} Biweekly ) and XXXX XXXX said that they could not take less than {$200.00} a month. I informed them that I can not make a payment that high at this time at in the future I could. I again asked if I could start with the {$50.00} bi weekly payments and he then said that they could not again. At this time I got off the phone as I was not able to make an arrangement with them.
Applied for refinance on home with Wells Fargo. After two months and {$600.00} later on my closing date, I was told I did not meet the requirements for a HARP loan. They knew this within the first five minutes of the first call to them. My credit score was XXXX points to low to even be considered for a HARP refinance loan. Yet, the had me faxing, running up to the bank, copying and sending, emailing etc. for two months leading me to think I would be approved. I feel I was taken advantage of and scammed of my {$600.00} thru unethical practices they have going on.
I am a victim of identity theft.My personal information was compromised and accounts were opened fraudulently in my name without my knowledge and approval. I sent this company my dispute and my identity theft report on XXXX and XXXX but to my surprise this company have not removed the fraudulent inquiries from my credit report within the 4 days as required by law. Again this inquiries are fraudulently reporting on my report, please delete asap : XXXX XXXX XXXXXXXX pulled last XX/XX/XXXX XXXX XXXX pulled last XX/XX/XXXX XXXX XXXX XXXX pulled last XX/XX/XXXX XXXX XXXX XXXX pulled last XX/XX/XXXX XXXX   pulled last XX/XX/XXXX XXXX  pulled last XX/XX/XXXX XXXX  pulled last XX/XX/XXXX This my third and final notice to this company as I declare my final Intent to sue.I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 

I have enclosed a copy of my Identity Theft Report and My Previous dispute to the company.
I was provided PMI cancellation documentation with my mortgage and on monthly statements, which Wells Fargo did not want to honor. Wells Fargo then stated via a letter and multiple levels of customer service that they would require a 70 % loan to value which could only be established via appraisal. Wells sent a form to determine the appraised value, which had an inflated appraisal cost of {$850.00} versus home purchase appraisal cost of {$660.00}, which suggests that Wells is receiving some sort of alternate consideration from the appraisal company - XXXX or they are intentionally misleading their clients during the closing process. Wells 's most senior customer service, refused to match the pricing of a qualified appraiser or charge the same appraisal cost as was initially charged for the purchase of the home. 

Wells has now agreed to honor the disclosure on my monthly statement and at closing, only after referral to the presidents office and my provision of the statement from closing. However, Wells is still requiring an appraisal for a home purchased 18 months ago when the documentation provided at closing suggests that an appraisal is required only sometimes, the implication of the disclosure is to protect Wells Fargo during a falling real estate market and not just to improve Wells Fargo 's profits. The cost of the appraisal equals about XXXX years of PMI. 

This process has taken months to resolve and suggests that all Multi-Family homes ( XXXX unit dwellings ) are being incorrectly processed in Wells Fargo 's systems in regards to PMI and that Wells has a systematic program to intentionally over charge customers requesting relief from PMI to inflate profits through additional PMI or consideration from XXXX
In late XX/XX/XXXX I received multiple calls from Medical Business Bureau stating that they were trying to collect a {$93.00} debt from XXXX Hospital. I informed them that 1. They never mailed out anything in writing and 2. Based on what they communicated the debt was not my responsibility. I requested information about the dispute process, I verbally stated that I was disputing the charge and I mailed official dispute in writing a couple days later. After that I never received verification of the validity of the debt. On XX/XX/XXXX I found out that in spite of my dispute this company had notified both major credit bureaus and this collection now appears in my account. The dispute is less than 60 days old, there has been no investigation of my dispute, no written verification of the validity of the debt as required by law, and no further update from this company. They knowingly reported an account that was in active dispute status. I am requesting immediate removal from all credit reporting agencies.
This is a follow up to dispute : XXXX Bank of America contacted me 3 times regarding the above mentioned CFPB dispute. They contacted me once by phone, once by email and a third time by phone. I was able to pickup the call on the third time and talk to an agent that mentioned to me that Bank Of America attempted to contact me ONCE in XXXX of 2015 to settle the debt associated with my credit card prior to submitting me to collections and charging off this account. 

Bank of America is notorious for deceptive practices such as this. It 's very easy for a Bank to utilize rules and laws to benefit themselves, charge off bad debt, transfer debt over to third parties for collection and access fees all under the pretense that they attempted to contact me ONCE.
I have received numerous telephone calls attempting to collect a debt from " XXXX XXXX. '' I do not know an " XXXX XXXX '' and told the company that during the XXXX - XXXX attempt they made to contact me. 

I also told them to take my name ( " XXXX XXXX '' ) off the list and that I would report them if they called again. 

I received a call from XXXX XXXX which seems to be from XXXX Maryland. However, the person on the phone said that her company, RPM was located in Washington. She said that she did not know the address ( but apparently had made it to work that day at some address ). She stated that her name was XXXX and that her supervisor was XXXX XXXX (? ). She was very hesitant to provide me with any information on the company or how to contact them.
On XX/XX/2018, someone withdrew {$160.00} from my account at a wells fargo bank. I did not authorize this or anyone to use my card. To my knowledge, my card was in my possession ; however when I filed my claim for the false transaction, wells fargo representative stated my original card was used and denied my claim. I don't understand how it was possible for my original card to be used in XXXX XXXX, CA. On the date of the transaction, I was at a funeral 30 miles away that entire day. In short, I did not make the transaction and did not authorize it. And because I couldn't explain to their liking how the money was stolen from me, they denied my claim. I am the victim of theft and because I can't explain how it happened, they won't give me my money back. This is so unethical. I don't know who else to turn to.
I send a request demanding debt validation to Portfolio Recovery Associates on XX/XX/XXXX certified with return receipt.

For the amount {$1400.00} They send a verification letter on XX/XX/XXXX The letter had no other supporting documents. Called and spoke to XXXX XXXX and get manager. They told me they did not have any documents and were not required to provide them
This is  the 2nd co mplaint I have filed  on Lexis Nexus in a yea r. They are reporting a tax lien of {$5300.00} that was filed on  XXXX / XXXX / 16 . This is showing up on   XXXX   and I disputed it twice and they sent a letter saying the information was gathered fr om Lexis Nexus. Fi rst of all the address was  XXXX   XXXX   XXXX  which I have not lived at in over 2 years. Second of all, it belongs to another family member not me! I locked my file last year wi th Lexus Nexus but obviously that is not true either. I am sick of this company reporting wrong info. It has never reported on  XXXX  or  XXXX . I am trying to refinance a loan and can not because of this wrong info they are reporting. I also have a letter from the court house that shows there is no lien with my social security number reported by them  at the courthouse.
The below complaint is against predatory lending practices that disregards all legal norms and laws. 
I have never signed any loan with. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Shellpoint company is a part of predatory lending group and I want them to be held responsible for the XXXX-XXXX economy crush by the above bank Back in XXXX when US economy went upside down due to banking unregulated methods ( XXXX XXXX etc ... ) I lost my home and a business. I lost ability to pay my obligations. I owned home on XXXX XXXX XXXX XXXX in XXXX XXXX , FL XXXX financed by XXXX XXXXXXXX XXXX . XXXX XXXXXXXX XXXX took bailout money paid by us taxpayers and walked away laughing. I tried to short sell the home and set up pay-off of the debt. XXXX XXXX XXXX declined 6 short sales and declined to even talk to me about other ways to pay off my loan. Years have passed by and XXXX XXXX XXXX didn't foreclose on me in legal manner ( I believe there is statue of limitation of 5 years in State of Florida ) and sometime later on they sold my loan pennys on a dollar to XXXX XXXX XXXX collection agency. After that agency was sued by small lawyer for wrongdoing they than sold it to present collection agency Shellpoint Mortgage Servicing company. XXXX XXXXXXXX XXXX, XXXX, TX XXXX. Phone XXXX This company is constantly harrasing me with phone calls without message ( mute calls ) and monthly letters threatning me with legal actions. They also, are ruining my credit report. It is over 10 years since I incurred debt that XXXX  XXXX XXXX abandoned as all wealthy and company do knowing no one will hound them though they are the one who ruined hard working people like me. I am asking for help as it is mentally draining to wait each month for the same scenario. I live of XXXX social security XXXX thanks to decissions made by our governement but, it is me/us who always paid and pay the price of reckless governing. Sincerely XXXX XXXX XXXX
I recently requested a copy of my credit report and noticed Equifax has reported inaccurate account XXXX on my credit report that does not belong to me. I have disputed to them directly pertaining this issues.
I have a checking account at the Citibank since XXXX. 
My status is Citigold.

Last week I tried to logg in into my account trought the mobile and I couldnt. Inmediately I called to the Citigold Customer Service line and one of the representatives informed me that they will replace my debit card. 
My debit card never arrived to my home. 
Saturday XX/XX/XXXX I called again and I had been noticed that my checking account was closed and when I asked the reasons, they said that cant provide any information by the phone and I needed to talk in person at the branch. 
Today Tuesday, XX/XX/XXXX I showed up at the XXXX XXXX in Florida and one of representative told me that she didnt know why my account was closed. She sent an email to Citibank and then called me to say that the account was closed and she doesnt know exactly the reason. 

Problems : 1. I never received a letter or phone call to let me know they had intention to close my account. No one asked me information or send me a questionary for anything in the last 4 years. 
2. I already gave some personal checks to pay association fees, assetments and other concepts to different persons and companies and now all this payments will not be executed.

3. My reputation, my honor and my credit records will be affected without any reason.

4. I spent three full days trying to solve this problem and I lost time and money. I need to spend more time to rebuild my financial structures ( account, automatic debits, payments, history, etc ) 5. I feel discriminate due the City Bank representative dont explain me or give the reasons to close my account. I am very responsable person, I opened my account ten years ago, because I thought it was a serious entity. I expect that the Bank reconsider this resolution that causes me economic and moral damage.
My checking account was defrauded on XXXX/XXXX/XXXX. Someone stoled my debit card and deposited counterfeit checks, I reported it to the fraud department the same day and was told a form would be mailed. I received the statement on XXXX/XXXX/XXXX along with letters saying my account was closed and they sent me to check systems and i had 10 days to fax fraud statements which when received i had ine day to get it faxed. Then that was first claim the second claim i never recso i finally. received on XXXX/XXXX/XXXX which I faxed and in XXXX/XXXX/XXXX. I was granted provisional credit for {$200.00} and my account was overdraft ed by {$4300.00}. My account was closed. on XXXX XXXX and they forced my XXXX depisit and are keeping it no provisional credit yet and they are not going to release any money. I followed all rules of reg e
I have multiple collection agency reports on my credit report from XXXX and enhanced recovery company which I have never personally opened accounts with. They have increased up to {$640.00} which is recorded as a cable/cellular service which I have never subscribed to. I want this record off of my credit report as it is damaging to my character and I did not authorize these accounts. They show up on my report as early as XX/XX/2016 and I know for a fact I have never opened any cellular or cable accounts in that time.
My mortgage was sold to Shellpoint Mortgage 2 years ago by  XXXX   XXXX   XXXX . Shellpoint states on invoice that payment cut off is the  XXXX  of each month. In order to get credit in a month one must send in the prior month, or they wont process till the  XXXX  of each month.Thus, in my case  XXXX  penalty fee.  XXXX  my check was mailed the  XXXX  of  XXXX , cashed on the  XXXX , by Shellpoint.You will see this in my history. They are a predatory debt collector.