WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I have been paying Chase on my Credit Card balance since the last Chase Statement " date XXXX '' the Balance was {$8000.00} Chase has mailed me letter stated " Update : We received your payment and will forward it to XXXX. XXXX XXXX purchased your account from us on XXXX/XXXX/XXXX ''. " XXXX has filed to the Court that I owe " XXXX '' Principal and interest since XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, SUPERIOR COURT OF CALIFORNIA , COUNTY XXXX ( XXXX ) XXXX XXXX COURTHOUSE ORDER RE : CLAIM OF EXEMPTION The Judgment Debtor 's Claim of Exemption is GRANTED. That is my husband and I the join checking account at Chase Bank.On XXXX/XXXX/XXXX " XXXX, XXXX '' Faxed " NOTICE OF LEVY ( ENFORCEMENT OF JUDGMENT ) '' " WRIT OF EXECUTION '' to our join checking account at Chase Bank again. 
I do not owe any Credit Card balance to " XXXX, XXXX " XXXX, XXXX '' has no right to file the judgment on me. I had paid Chase Credit Card {$5.00}, XXXX ending XXXX, XXXX since the Chase Statement balance was {$8000.00} Chase has received my Chase Credit Card Account payment through my Bank Bill Pay to " XXXX. XXXX XXXX XXXX, Illinois ''. There is no current balance statement from Chase. It is not right for Chase to have cardholders pay card payments to other than Chase because Chase sold the account. I had used Chase Credit Card not XXXX therefore, I pay Chase Credit Card.
On XX/XX/XXXX Chase Bank called me 5 times between the hours of XXXX XXXX and XXXX. Each time I asked them to stop calling. I was informed that it was an automatic dialer and they apologized. I asked to jave my number taken off the call list and to have written correspondence. 
There have been other days where I jave received multiple calls at work and I've asked them not to call me as well.
Back in 2014 I went in for a free consultation for XXXX through a company called XXXX. After deciding not to have any treatments done whatsoever, I was sent a bill with my name that had a line of credit for {$2000.00}. I then started receiving bills to pay off the balance that I did not owe in the first place. About three months later the company went black nationwide, just overnight the company vanished and every facility was vacant. Since then my account through XXXX was sent to a collections agency XXXX. I have sent XXXX XXXX XXXX XXXX XXXX after XXXX, sending a handful of letters and complaints through them to XXXX, but the only thing that has changed on my credit report is it states CBG ( Closed by grantor ), unfortunately this does n't mean that it has been wiped clean from my record at all. I need this fraud of a company removed from my credit report once and for all because it is causing a lifetime of damage from applying for a small loan or credit card, to renting an apartment or car.
I left my job in XXXX and had some financial issues as I searched for work. Santander Consumer USA entered into an agreement with me to extend payment on my account, retroactively, that XXXX. They extended the XXXX payment to XXXX XXXX. T I agreed solely because they indicated it would be an extension that would avoid my having a delinquency on my credit report. 
As you can see from the agreement, it states nowhere that it would not apply to credit reporting and I was n't told it would not, quite the opposite as I recall. 
I never would have bothered to obtain a retroactive extension if it were not to preserve my credit. 
I spoke with Santander today and they were unreasonable as well as abusive. First. they denied the agreement existed. As you can see from the attached agreement, it existed together with a digital time and date stamp demonstrating when it was entered into. 
Notwithstanding, they then agree I never executed the contract. this was also false as I did so through the application they sent me to sign through which automatically provided them with the agreement upon signature. 
Then I spoke to a supervisor, XXXX, who did not dispute the existence of the agreement, but claimed the extension did not apply to credit reporting. When I told him that the written agreement said no such thing, specifically or generally speaking, and no agent said anything of the sort, he told me it was my responsibility under the FCRA to pay on time. After I told him that was not the point or the law the we were talking about, since they had a contract with me and we were discussing their not living up to their side of the contract, he told me to " Stop playing like you 're the victim! '' and " You are blaming us for everything and do n't think anything is your fault. '' He later alleged that I was accusing Santander of " predatory lending '' and was wrong in stating that the terms of our agreement are construed to favor me here because there is ambiguity and they wrote the contract. He called me litigious and when I told him I had said nothing regarding litigation he became irate and he hung up on me. 

I do n't deserve to be treated by a lender of any kind disrespectfully and I certainly do n't deserve to be spoken to abusively. I was never talking of litigation with the man and only was pointing out what the law is and has been regarding contracts with ambiguous terms through out the country for a long time. Now what I do believe is significant to note is that Santander is the largest lender in the US currently for sub-prime loans of this sort. If any company were to have a motive to keep their customers from improving their credit, its this one that stands to watch customers leave once they can get new loans due to improved credit. I believe you should investigate whether the large number of reports of sub-prime consumers all over the internet facing similar difficulties with Santander is the result of a company policy favoring unyielding credit reporting decisions.
I have contacted Transunion via telephone, and mail. Regarding missing information, accurately updating information, and promptly updating my report as soon as the creditors update Transunion. 

1. ) XXXX/XXXX A. ) Transunion has there last update for XXXX being XX/XX/XXXX. My 2-Year Payment history doesnt reflect that. 

B. ) Transunion has my Credit Utilization as 57 % that is inaccurate. 

C. ) Transunion has my balance as $ XXXX.That 's inaccurate its actually {$150.00}. 

D. ) My terms should be listed as revolving. 

2. ) XXXX XXXX XXXX XXXX A. ) I am an authorized user on my husbands card. Transunion has my credit utilization is 76 % that is inaccurate. 

B. ) Transunion has my balance as {$220.00}. That is inaccurate. 

3. ) XXXX XXXX A. ) Transunion has my last update as XX/XX/XXXX.I have paid on time for the months of XX/XX/XXXX,  and XX/XX/XXXX. My 2-Year Payment History also does n't reflect those on time payments. 

B. ) Transunion has my balance as {$1300.00}. Thats inaccurate it should be {$1200.00}.
Received collection letter to the estate of deceased parent. 

I contacted the originating bank survivor relations department : ( 1 ) the bank did not report anything for collection, ( 2 ) all accounts of the decedent have been paid in full and are closed, ( 3 ) the account number reported does not exist, and ( 4 ) this is a phishing attempt. 

I called the collection company, they insisted they have been retained to handle the account and have a file from the bank. I told them I have contacted the bank and relayed everything listed above. They said they would make notes to my file and I would not be contacted again.
I made additional payments on these accounts with the original creditors which the collections agency is not considering in their accounting. I have advised the company of this fact twice, but they have neither researched my complaint nor even acknowledged my statements to them. I am asking them to reach back out to the original creditors to verify the last balance is accurate. Every time I dispute, the collection agency merely sends me a copy of monthly statements but that does not help me discover the payments posted after the 60 day delinquency date.
My wife and I have been out of bankruptcy for 2 years and we included Selene Finance ( aka XXXX ) in our chapter XXXX bankruptcy. As we understood from the courts, that when we surrendered the home, the loan should have been transferred back to the lender so they can report it to the Federal database CAIBRS to update to show that the loan was no longer in my name. We are in the process of getting a new home and we were scheduled to close in two weeks, and it shows that the house is not updated. We have filed numerous complaints on Selene Finance because it seems that they do their own thing and not comply with the federal law. When we surrendered the home, they were supposed to take possession and take it out of my name. They have not done so for two years. It seems in the courthouse in XXXX county they just recently sold the home and took it out of my name last month which is not adhering to the bankruptcy rules. This has caused a delay in me purchasing another home because of their actions. I have spent time and money repairing my credit to buy a new home and they just keep on dragging this along.
Wells Fargo Bank, XXXX abuses customers reports XXXX. I was flooded in XXXX XXXX and Wells Fargo is refusing to cash my insurance check and give me my proceeds. When I reported my loss to Wells Fargo and I was told I would get an insurance check with both my name and the Bank 's. I was to take the check to a local Wells Fargo XXXX and they would release the majority of the money to make it easier on me. Then I was given a website insuranceclaim.com/wellsfargo. I registered was asked for XXXX documents which I uploaded. The next time I tried to log in I was refused access. I had to call a special number ( XXXX tracking number XXXX ). 

Now I am told they want an additional XXXX pages of documentation which I can FAX OR MAIL. Who is running this bank... old men with flip phones? Then they told me I was to endorse the check and MAIL it to SOUTH CAROLINA. Then they would send me and my CONTRACTOR a check. If I still have a contractor when they get their act together. 

I have been assured they have not cashed the check and are letting it sit in a corporate escrow account earning interest for the BANK. I do n't believe it. Between here and Florida if there are even XXXX checks for an average of {$50000.00} that is some serious money. Of course they are holding it as long as possible. They have given me no time line as to when the funds will be released. In the meanwhile every day I sit doing nothing to the restoration of my home I am exponentially delayed in completing the project. I have waited XXXX week and I think that will cost me XXXX weeks in getting back into my home. 

They are so sorry I am upset and frustrated. And they spout the same procedural information over and over. I have posted on facebook and they did the same thing during XXXX XXXX. They have a corporate culture of using consumer as fodder for corporate profit and have no desire to do the right thing. 

They have a proven pattern of abuse and it needs to make the news.
I have been filing a dispute for months for XXXX XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX and XXXX acct # XXXX, XXXX has removed all XXXX but Experian left it on, I thought all credit bureaus used the same investigative measures. I sent a letter to Experian letting them know that the other credit bureaus removed it and they sent a letter back stating there information ca n't be based on what another reporting agency has. The account for XXXX XXXX I never lived at the address XXXX XXXX XXXX nor did I ever have XXXX & XXXX, the XXXX acct # XXXX belongs to my son, we have the same first and last name and different ssn, and the XXXX acct # XXXX has been paid in full and I sent a copy of the paid in full letter showing that.
We've had this credit card since XXXX. We got the card as newlyweds to start building credit to buy a home. We always paid our bills and had nearly perfect credit. In 2012 we used the card to help our son open a XXXX. Six months later, he unexpectedly passed away in a vehicle accident. We lived 5 hours away from the bakery, and hired a new XXXX who ran the business into the ground. We kept it going until 2014, but finally had to close. Our income was low, and we just couldn't continue paying the credit card payments. We called Chase and tried to see if we could work something out to settle our balance. They had already closed the account. However, it continued to show up on our credit report and dinging our account in the years since.
On XX/XX/XXXX I attempted to speak to Loan Care on behalf of XXXX XXXX XXXX. They stated they had not received a third party authorization that I had already sent. Following this attempt, I called again on the XX/XX/XXXX after faxing in the authorization on the XX/XX/XXXX again. They then said the modification documents I submitted were blurry and so I emailed them to avoid further issues. On XX/XX/XXXX, after my client brought to my attention that Loan Care kept calling him insistently requesting documents we had already sent multiple times, I emailed Loan Care again with a Cease and Desist notice, 2 different forms of authorization and I was confirmed an " LTK '' number had been opened via email. Today, I again called Loan Care and the agent who answered stated that the LTK number I provided ( for which email confirmations are attached ) and she could not give me any information. 
XXXX XXXX is trying to resolve his delinquency before having to face foreclosure action yet Loan Care is making it impossible and almost pushing us to the verge of a case. They are NOT to contact XXXX XXXX as he is represented by an attorney and any and all communication should be through our office, specifically me, XXXX XXXX, as the Legal Assistant handling his file. 

We need a response and an written update to his modification review as soon as possible. We need his account to be updated and show us as a third party authorized and we need Loan Care to refrain from communication with our client.
Received call from ( XXXX ) XXXX about a closed credit card account from XX/XX/2013 regarding the amount of XXXX to be paid in full. The gentleman XXXX XXXX would not state the company he worked for only saying that he is a litigator for the company Wells Fargo. I stated that I have not had an account with them for over 5 years and he stated that in order for them to not take me to court and sue me for over {$3000.00} I would have to pay the full amount or the amount with charges and interest which would be over XXXX. I asked for the information to be sent and he said I would only be able to receive a receipt of payment/payment plan. I gave my email but have received no such information as I refused payment.
This company calls me repeatedly at home and at work, and has contacted family and friends about a debt they refuse to validate. When they call, they refuse to give names, or to even tell me the full name of their company. They send me threatening text messages.I have asked them to stop contacting me by phone several times.
On XX/XX/XXXX I, became a XXXX XXXX for XXXX. XXXX. In order to gain employment with XXXX XXXXXXXX, I signed an employment for one year with XXXX XXXXXXXX. The contract stipulates that XXXX. XXXX pay loan to XXXX XXXX for to go to trucking school. On XX/XX/XXXX, I was promoted to XXXX and left to go home to take a break after being on the road for nearly three months. XXXX XXXXXXXX did not allow me to come back to work. Also, XXXX XXXXXXXX stopped paying the loan in XX/XX/XXXX. 
XXXX XXXXXXXX claimed that XXXX quit, even though I wanted to come back to work. My former employer left me with a huge bill to pay with no explanation. I consulted a lawyer, and he told me that XXXX. XXXX breached the contract. I am now left with a nearly {$10000.00} to pay back if justice is not given to me.
Fraudulent charge on account, was reported, not removed, and billing continued, along with interest rate. We have repeatedly requested the charge be removed and the account closed. The owner of the account is in XXXX
We challenged the alleged debt from Ocwen. We sent numerous debt validation letters to Ocwen Loan Servicing on XX/XX/XXXX. We received correspondence back from Ocwen on XX/XX/XXXX stating that they are still researching and they will respond within 10 business days. The following nine days, we received a second notice on XX/XX/XXXX showing an Escrow printout. We received a third notice dated XX/XX/XXXX showing that the loan originated on XX/XX/XXXX by XXXX XXXX XXXX, a Delaware corporation, for the amount of {$340000.00}, which is no longer in business. According to my research pertaining to Ocwen Loan Servicing, they are now listed as a third party debt collector and have numerous lawsuits filed against them, so therefore, they need to be fully investigated before initiating foreclosure. In regards to Ocwen Loan Servicing we  received a copy of the Deed of Trust, the 1003 Uniform Loan Application and the HUD1 Settlement Statement and the alleged Note. So according to the documents received, we noticed that the loan is in a predatory, truth in lending and RESPA violation according to the real estate laws. This loan is an adjustable rate mortgage which falls under predatory RESPA and truth in lending.
XXXX XXXX contacted me in regards to my outstanding account with XXXX, Account # XXXX. I agreed to settle the debt for {$1000.00} on XX/XX/XXXX. Agent advised me that I will receive an email that states that account had been settled and that they will contact XXXX XXXX, XXXX to alert them that debt had been satisfied. I received the " paid in full '' letter from XXXX as promised, but XXXX   XXXX claims that XXXX has not yet released the money I paid. I tried calling XXXX 11X and advised them that XXXX  is still waiting for them to release money I paid. XXXX continues to give me the run around. At first XXXX advised me that they will contact XXXX right away, the next time I called the agent said the end of the month and on another call the manager said on the XX/XX/XXXX they will contact XXXX and on the last call I made the manager said he can no longer assist me since account is no longer with them because debt was already settled. I don't know what else to do no one seems to have the answer to where my money went. XXXX  as of XX/XX/XXXX has not yet received my payment. 

Attached is receipt of settlement I made with XXXX to satisfies debt owe with XXXX XXXX.
received XXXX bills in 2013, XXXX for {$70.00} and XXXX for {$44.00} I paid both and have XXXX check duplicates and statements to confirm, however according to the billing rep at XXXX clinic, the check amounts were applied to another bill that I never received and the XXXX bills that I had paid specifically were turned over to collection and that i had a credit due me. Now the billing agent says she will forward the balance due me to H & R collections which will leave me a balance of {$64.00}, I do not see how money paid on specific bills can just be used to pay an unbilled debt and the debts I specifically paid turned over to collection agency. who has been reporting them since XXXX of 2013. The continued re- reporting has affected my credit score negatively. Apparently it is the billing departments practice to apply monies where ever they choose to direct them. I directed her to have the collection agency call me directly to get the matter removed from my report, but am sure they will require me to pay the full amounts to resolve the them, I will re submit complaint if this the case.
I had a loan with Santander Consumer USA from XXXX XXXX, TX, and just before I was refinancing with XXXX XXXX, my wife sent an early payment to them. We got a refund from them, but not in amount that our CPA calculated. My account number is : ,my name. We sent them a letter with a report from our CPA. but they did not reply. 
My phone number is Thank you,
Due to financial hardship contacted USAA to obtain mortgage assistance in XXXX 2015 *before mortgage was late. Submitted workout package in XXXX 2015, received misleading information from Loss Mitigation Department advising that account must be 3 months past due prior to approval. XXXX XXXX, 2015 received denial for forbearance, repayment plan or any other type of assistance. On XXXX/XXXX/2015, Submitted 1 month payment. Received no calls or correspondences. I checked account via online and noticed that it was not credited. Contacted USAA and was informed that it was returned by USAA via USPS mail on XXXX/XXXX/2015. I continuously called every day to check on the status and they repeatedly stated it was returned on XX/XX/XXXX via USPS mail. It was credited to my bank account on XXXX/XXXX/2015. Then, USAA demanded 2 months payment by XXXX/XXXX/2015 to stop acceleration process. Payment made on XXXX/XXXX/2015 ( {$3600.00} ). USAA sent certified letter stating that they are going to foreclosure on our home and demanded another {$4000.00} to avoid foreclosure. Documentation provides XXXX different toll free numbers for assistance. Called all XXXX numbers and each number is to a different company : XXXX or USAA. Receiving phone calls up to XXXX a day. Answer each call and the representative tells us to disregard call. I would like resolution and an honest answer from USAA and XXXX on what is the status of the account and if they plan on working with an active duty service member on a repayment plan. I 'd appreciate a cease to the threatening daily letters and phone calls considering that I have met all of their demands to date and unfortunately they have not honored their agreement.
On XX/XX/2018 I wrote all 3 credit bureau a letter and mailed it cerified to stating I would like the bankrupcty that is being reported by them to be VALIDATED and all I recieved back are letters or updates that state item verified. They have not stated who VALIDATED and how it was VALIDATED. I wrote a letter to the UNITED STATES BANKRUPCY COURTS who replied back with a letter that states that the courts do not VALIDATE OR REPORT any Bankrupcies or share information with any credit bureau ever .... Futhermore after careful inspection of all 3 credit reports from XXXX   XXXX, TRANSUNION and writing more letters to the 3 credit bureaus I keep getting the same old answer verified and remains till XXXX. All 3 credit bureau XXXX, XXXX, TRANSUNION are reporting a bankrupcy with file # XXXX.which if VALIDATED they would know its wrong missing a number and letters from the case number. I then contacted my lawyer who further stated that the number being used is incorrect and that it all 3 bureau need to delete this inaccurate information from my credit report ASAP as they are in violation of FCRA 623 ( A ) ( 5 ).
XX/XX/2015, I used the Commuter Check Card from ADP to buy the monthly XXXX subway card. The pre-tax benefit amount of {$110.00} was deducted but did n't get added to the subway card. Upon extensive correspondence with XXXX, they informed the said amount was refunded to ADP. ADP initially said they did not get any refund on the card and on sending XXXX 's response letter and refund confirmation to ADP, they stopped responding and still have not issued the refund.