WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Santander consumer usa Santander consumer usa credit on my XXXX Credit report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : SANTANDER CONSUMER USA XXXX XXXX, XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I XXXX verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX XXXX
I have disputed this debt under my FCRA and FDCPA rights and it is not marked as disputed and is in violation of my consumer rights.
My home has been foreclose. There is a 3rd party buyer already. It took place on XXXX XXXX, 2015. I am in court right now fighting for a wrongful foreclosure and eviction. I have XXXX lawyers working on this. I am looking for a bank who could finance my loan. It is a winnable situation, because I have very good lawyers. It is very hard, but there will be a light at the end of the tunnel if you will help me get a loan.They are saying the same thing, find a lender to finance my loan.. E-mail address : XXXXXXXXXXXX
I was told this loan was going on my G I bill related to my military service. I did not attend after I was place in the class that had no bearing on photograph. I returned all the equipment and never cashed any checks. i am still being billed by this school. I have contacted the and asked for documentation of payments and checks cashed but the school hasa been unable to provide me this information. They are committing fraud because I never attended past a few days
I had a HELOC loan which Wells Fargo offered to refinance because the loan was coming due. 
The bank manager at the downtown XXXX branch offered to do the loan and asked me to turn in my tax return for XX/XX/XXXX and a XXXX for XX/XX/XXXX. 
Several days later I went back to the bank to find out what happened and he told me that they could not do the loan, however Wells is told me that I could no longer withdraw from that HELOC and would just go into a pay back the amount owed which is about {$97000.00}. In fact, they even increased the auto pay amount to just over {$1100.00} per month without my agreeing to that as I was told that it would be about the same amount that was being paid or about {$750.00} per month. 
Mind you that I was NEVER late on this loan or on the 1st Mortgage which is also with Wells Fargo. 
My FICO score is over XXXX and my income for XX/XX/XXXX is over {$94000.00}. 
I had XXXX and told the Manager about it so I was not able to work for about 4 months which put a dent in my income. I should make over {$100000.00} normally. 
I have a fixed social security income of about {$1800.00} per month. 
The only reason for being turned down for the refinance of the HELOC is my age, being a woman and having had XXXX.
I have a balance transfer made on my Citi double cash card because of a 0 % offer that last till XX/XX/XXXX. I have been making just the minimum payments of the amount of {$25.00} for a few months and then I made a purchase for {$500.00} on XX/XX/XXXX and made a payment subsequently for the same amount before the statement period ended. I was charged a minimum interest charge of {$.00} even though I paid the purchase balance in full before closing date. I contacted the rep from XXXX and the rep could not figure out why I was charge this fee and so I was given a reversal credit for that amount. Now I continued to make purchase for the amount of {$1100.00} on XX/XX/XXXX and made a payment for that amount on XX/XX/XXXX, made a purchase for the amount of {$25.00} on XX/XX/XXXX and made a payment for that amount on XX/XX/XXXX. This is all before closing date. The statement comes and I have been charged {$1.00} in interest charges. Contacted a Rep and was told this can not be reversed and was told I had a purchase balance of XXXX and only paid {$1100.00} even though I made purchases of {$1100.00} and paid that in full plus the minimum amount that pay every month. I told them that this is fraud and explained the math did not add up and I did not owe them {$1300.00} in purchases but {$1100.00} and paid in full before the statement end. This repeated pattern of where they bogusly charge an interest fee where they shouldn't I find to be fraudulent. A full investigation of their practice of such fees has to be done. An average person probably would not even take notice of a small interest fee but it adds up.
A false charge of {$680.00} appeared on my Ally Bank checking account on X/XX/17. The merchant was listed as XXXX XXXX XXXX CA US. I contacted Ally teh following day to open a dispute. They in turn contacted XXXX. XXXX stated that the transaction was authorized and refused to provide a reversal. XXXX listed the Merchant Number as XXXX. The Seller was XXXX XXXX, email address XXXX. They also provided shipment tracking information showing that the merchandise ( whatever it was ) was delivered to XXXX XXXX XXXX, XXXX, NY XXXX. ( I live in Colorado ). Ally refused to provide a refund.
On XX/XX/XXXXin a SunTrust Bank branch in Georgia an individual with a checking account one digit different than my own made an over-the-counter withdrawal via a hand-written withdrawal slip. When I was finally aware of the error -- {$1000.00} taken from my account and not the account of the individual making the withdrawal -- I called SunTrust. This was after a number of payments had been returned and fees assessed on my account. Initially, the customer service representative said there was no error. It did not take him very long to correct his statement, dismissing himself for a bit, coming back and saying this was all the result of an error made AT SunTrust. The issue was not then resolves, but remained. Yesterday morning I went into my Local branch and thought we were on the road to resolution. Last night, YET ANOTHER FEE was assessed for a returned payment, as the correction, apparently, had yet to settle into the account. At this point, in addition to the MANY fees placed on my account by SunTrust, I am additionally being assessed charges by the companies I have made payments to and now others I could not make payments to because of the ongoing issues. In 2017, THIS is more than a bit pathetic. It is astounding to me there are no checks and balances in place to ensure this does not happen. I am now beyond frustrated, have gotten nothing done today as I attempt to get the issue completely resolved. I have had to cancel appointments, am behind with customers, etc. I have begun making contacts with attorneys.
XX/XX/XXXX XXXX- Hard Inquiry done without my authorization XX/XX/XXXX XXXX XXXX Hard inquiry  done without my authorization XX/XX/XXXX XXXX XXXXXXXX Hard Inquiry done without my authorization XX/XX/XXXX XXXX XXXX Hard Inquiry done without my authorization XX/XX/XXXX XXXX XXXX Hard Inquiry done without my autorization
" Inherited '' mortgage after father died. Took7 months of repeatedly submitting the same paperwork to even get info on the mortgage, despite the fact that I 'm the executor. Went in person to branch, said they can not help because they are not corporate. 
Refused any forbearance while we were trying to figure out funeral costs, etc. 
Attempted multiple times to modify mortgage, but paperwork was " never received '' by Chase. 
Chase sold mortgage to XXXX, did n't tell me. Said they sent a letter that I never received. Presently can not make payments or do anything with mortgage because the transfer has n't been completed, according to XXXX.
On XX/XX/XXXX, I disputed the account balance for XXXX on my credit report with Equifax ; however, Equifax claimed that the reported balance was correct. However, I obtained documentation directly from XXXX that has my balance reflected as {$200000.00}. 

Moreover, my Equifax credit report is not illustrating that my all my payments for XXXX have been timely for XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. Finally, I previously submitted information to Equifax illustrating that the payment for XX/XX/XXXX was not 30 days late which you will find attached.
I have been a victim of ID theft. I recently conducted a review of my credit reports, and I noticed a total of 11 UNAUTHORIZED credit inquiries that I find to be problematic. 
I contacted every company listed below over 45 days ago, and asked them to take action to get these inquiries removed from their records, my records and to erase any record of the inquiry with all credit reporting agencies. They did not respond, send me any results and have not complied with my request to take whatever steps necessary to resolve the issue. It is not ok for them to report this inaccurate information on my reports so I decided to contact you just to make sure this gets done.
I received an e-mail from the Wells Fargo Unauthorized Account settlement regarding the class action lawsuit. I had questions so I called the hotline. When I called and selected 6 to speak w/a customer service representative, the automated male voice stated " thank you for calling, goodbye. '' When I entered my information online, I entered my DOB and social, then proceeded to enter the catcha phrase at the bottom. However, each time I entered it I received a message stating that it was entered incorrectly. However, it was not. 

Between the end of XX/XX/XXXX to XX/XX/XXXX, a line of credit was opened in my name w/o my authorization. It was connected to my checking and saving accounts. I was charged all sorts of fees, including penalties and overdraft. This account was opened in XXXX, California. 

In addition, between XX/XX/XXXX and XX/XX/XXXX, I had a checking and savings account. This was opened in XXXX XXXX. I was charged overdraft fees repeatedly, not once, but twice or three times for one transaction. When I went into the branch to inquire about their policy, they gave me a " stuffed animal horse '' as if that would make up for their abhorrent practices. This went on for some time before I closed my account. I also used the account for recurring payments w/companies like XXXX, and was double charged. I was not sure whether it was XXXX who was double charging me or Wells Fargo, but I haven't encountered this problem with other banks. It was only with Wells Fargo.
I spoke with XXXX XXXX at XXXX Loan Consolidation on XXXX XXXX, 2015. He assured me that once I went through the process and paid {$590.00} to consolidate my loans, they would pay my loans off. I would pay $ XXXX/month. I have been paying since XXXX 2015 and contacted XXXX to discuss my total loan amount that I saw on their website. It was {$2000.00} more than my initial amount and they told me that my loans had not been paid since XXXX 2015.
This complaint is against Equifax. The other XXXX agencies removed these withdrawn tax liens last year. I have called and fax and mailed document and today was my final straw. I spoke to XXXX in the Customer Complaint area and he look at the documents that I sent from the IRS and he still would not withdraw them from my account. I spoke to my local county tax department where they was filed and they are showing withdrawn.. 

I lost my chance securing some credit I needed because of this lien. ( I also have that letter ) I do n't have enough money to hire a lawyer so I am hoping that you will help me. He told me it up to me to supply them whatever they wanted and I told him with my dispute they should verify with the county and IRS but he refused. 

I have names, dates and documents to support my claim. 

You are my last resort. They are not treating me fair and their holding my credit score hostage in the meantime. Equifax 's credit score is at least XXXX points lower than the other XXXX reporting agencies. 

PLEASE HELP ME!!!
In XX/XX/XXXX we were approved for a loan from XXXX XXXX to further our son 's education. During this time XXXX XXXX changed into Navient. We have paid on our loan for 16 years, the loan was for {$39000.00}. Today we still owe {$25000.00} in principal. We wonder what happened to all the money we have paid in because we have paid {$33000.00} est. We are missing a full year in amortization from the Navient 's list of payments that was mailed to us. Along the way we were slapped with roughly a {$1000.00} in late fees. We are now retired and are concerned about this entire fiasco, and would like someone to help us with this matter.
In XX/XX/XXXX our mortgage co who was originally XXXX XXXX sold our mortgage to Specialized Loan Servicing. Shortly before the sale of our mortgage XXXX XXXX completed an escrow analysis and raised our payment slightly. Our taxes and insurance are all escrowed into our payment. We were not aware of any issues on our account until in the process of selling our home in late XX/XX/XXXX. We have two tax parcels, during the sale process we were informed that part of our taxes were unpaid. SLS claims they did not receive the information on the smaller lot. SLS said they sent in a request for the tax claim certificate to the tax claim bureau. After getting told this multiple times and not getting results I called to tax claim bureau myself. I was informed by them that they only deal with delinquent taxes and they never received any request from SLS. They forwarded me to the county treasurer. The treasurer also never received any requests and told me I needed to contact my township office. My township office has an outside company that handles taxes which is also the same company that handles the school taxes that were unpaid. I had already spoken to them in the past I knew they had received any requests from SLS. The tax company informed me that SLS did not need a certificate in order to pay the taxes however on Monday XX/XX/XXXX while I was on the phone with SLS 's tax department my wife called the tax collection company and they sent all the information to SLS while we were on the phone. SLS still claims to be waiting on a tax certificate and refuses to pay the bills. During one phone call they claimed to not know who the tax collection company was even though they have paid other taxes to them in the past. They keep giving us the run around saying they have to re-review everything and get back to us. We have been given at least 4 dates when things would be handled by but they are never resolved. We have contacted XXXX XXXX and were told that when they sold our mortgage both parcel numbers were included in the paperwork. SLS has  even gone as far as sending us a new escrow analysis saying our payments will be going up due to a shortage starting XX/XX/XXXX. That proves they have the information needed to pay the taxes yet continue to lie about not having it. They are also telling us there are not enough funds in our escrow account to pay the tax bills and no explanation as to where our money has gone. I have been paying around the same amount a month as I always have since I purchased my home in XXXX. Every escrow analysis done since XXXX have been under {$200.00} in shortages due to taxes changing. SLS claims there is a shortage of over {$900.00} in my escrow for the upcoming year. We have been calling almost everyday and are getting nowhere. Supervisors refuse to call us back as promised and will never transfer us to higher management. They claim to not be able to access our records and need to start fresh every time we call. Even supervisors we have previously spoken to act like they have no idea what we are talking about.
I had set up an electronic payment for my target credit card bill. Target never submitted the payment to my bank. They sent me a notice that the account or routing number I had entered was incorrect or that the account did not exist. The account did exist and was in good standing. I contacted target in response to their letter saying that they could n't process the online payment. The representative I spoke to was unable to take my account or routing number and gave me XXXX pieces of misinformation ( documented in my letter to target attached here with ) I subsequently spoke to XXXX other representatives XXXX of whom said she was documenting my complaint. She failed to inform me that if I had a complaint it needed to be submitted in writing. I closed my account having paid for all merchandise. I did not pay the {$25.00} fee. I submitted a complaint in writing which was rejected saying that Target could not have prevented the error. 
I have never encountered an online payment system that would accept a incorrect routing or account number. If target system does accept incorrect numbers, it seems that it would be creating problems for many customers besides myself. It is difficult to enter XXXX numbers without occasionally making an error. Every other system that I have worked with has immediately rejected the information if there was an numerical error. Since Target closed my dispute they have been billing A late payment fee every month and some months they have also charged me interest. They also sent my account for collection and when I wrote to the collection agency to document the dispute I started receiving phone calls from another collection agency. Meanwhile my closed account was in XXXX billed at {$230.00} with a {$35.00} increase each month. 
There seems to be no way to stop the continued accumulation of fees.
Phone number XXXX has called my phone repeatedly and asked for a specific person. 
They will not identify who they are, their company name, what the call is in reference to ; they only state, " this is an important business matter ''. 
I called the number back and the recording says " XXXX XXXX, XXXX ''. 
I spoke to an operator and asked for the address of the company, the name of the company, the phone number, names of supervisors, etc. 
The gentleman that answered refused to tell me anything unless I gave him my phone number. 

I believe this is an identity theft scam. The name they have is one that was changed decades ago and only someone that does not really know the circumstances of the name change would continue to use that name.
Along with disputing a certain negative item I wanted removed from my report, I also asked that all the prior negative PRE-Bankruptcy ( as it was discharged ) things removed as well. There are still many items killing my score, that should have been rightfully removed as of discharge. This is with all bureaus. My score dropped over XXXX points, marking an account closed ( XXXX-I do not have an issue with them-just the bureau ) that was never added in the 1st place, now it 's a HUGE negative factor killing me. I have explained to these bureaus that I am trying to buy a home not long from now and want the bad stuff removed, and all these bureaus are doing is making everything worse, they are so quick to report all the bad stuff, but take forever reporting the positive. This is ruining my, and many other peoples financial futures. I was forced to buy a car-and because of these XXXX companies, my interest rate is XXXX!! I do not believe they have ANY right to be able to control a persons future. I also have a paid off loan, made payments more than early every time, and even a bit more than the amount due, but because of my bankruptcy, they allowed XXXX to remove all this from my reports, even though I " Reaffirmed '' the vehicle, also dropping my score another XXXX points. How in the heck is a person supposed to get anywhere in life if these XXXX companies have all this control. I should be well over XXXX at this point ( only this low for now, as I 'm still 4 months from my 1 yr discharge date ), now I 'm back to where I was right before I filed for Ch XXXX, and I pay my bills! I was just at XXXX little over a month ago, got a couple small credit cards, everything going great-now it 's falling faster than XXXX.
I contacted the credit reporting bureaus on XXXX XXXX, 2015 and till this day i have not heard back from any of them
Was delayed in XXXX program by Bank of America for OVER XXXX MONTHS. Originally enrolled in XXXX program on XXXX/XXXX/XXXX. 
During this unacceptable XXXX YEAR timeframe, and the XXXX XXXX Mortgage Backed Security fraud, my home lost market value from {$380000.00} XXXX XXXX purchase price to ( having no other option ) short sale closing in XX/XX/XXXX of {$250000.00}. 

XXXX names : XXXX Mortgage Former Property address : XXXX XXXX FL XXXX. 
Bank that own 's loans were Bank Of America. Our mortgage loan # 's were XXXX XXXX first & larger loan owned by Fannie Mae XXXX & XXXX ( second smaller loan owned by the bank ). 
READ article XX/XX/XXXX where XXXX XXXX Mortgage unit was fined $ XXXX by CFPB for giving their customers " the runaround ''. I too experienced " the runaround '' from Bank of America ... multiple requests for identifical information, disconnected phone numbers, they would not accept partial payments, changing of support personnel & phone numbers & locations, along with long winded response letters which were difficult to understand. 

AS A RESULT ... I 'm seeking FULL restitution from Bank of America for the XXXX I lost in my home as a result of their INACTION and mortgage backed security fraud.
[Letter # 4]  Experian plc XXXX XXXX XXXX XXXX XXXX XXXX 
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {
Navient is my student loan servicer. I find their notices about payments opaque and misleading. They seem to send payment reminders unreliably, having seemingly skipped one for me in XX/XX/XXXX. Furthermore, their reminders are misleading and confusing. For example, on XX/XX/2017 I received a notice that my " payment was due. '' The email contained no further information than that. But, that same day, I also received my " monthly statement '' that stated an amount and a " Due date '' of XX/XX/<YYYY> You could see how this is confusing. I feel like I am being assessed late fees, and that by making keeping track of my loans difficult they pushing their customers, hard, towards autopay. It 'd be trivial to add basic information such as the amount and the due date to their " payment reminders, '' virtually every other company I interact with does. I am writing you now after having contacted them to see if there was any way I could improve the reminders I was receiving. Yet, there was not. Given the choice, I would switch to another loan provider, but that is not an option available to consumers in this market.