WillisBack/dataset-financial-user-claim huggingface dataset:
False information on my credit report regarding the original amount of the loan, the time reported to agency as a late payment. Inaccurate amounts monthly payment amounts. Reported to credit bureau as late after the account was paid in full. The account was paid in full as of XX/XX/XXXX. However, they never sent the car title, when I called them in XX/XX/XXXX, they told me there were fees owed on the account that were from the beginning of the loan in XX/XX/XXXX. I immediately XXXX the misc. fees, I have my receipt of the XXXX sent. They had never contacted me regarding those fees, the only way I discovered the fees was when I never received my car title. As matter of fact they claimed they sent my car title XX/XX/XXXX, they never did and want me to send money to another agency to pay for a car title, that they never sent. The company is deceptive in their practices. I have contacted them on several occasions and they sent me from one department to another and to voice mails. I have disputed this with all credit bureaus and will keep disputing it. Additionally, the original monthly payment was not, {$220.00} for 54 months. The car note was reduced to {$220.00} after I became unemployed and after two years of struggling to pay the note. One agent finally looked at the file and put me in a program to assist me, had they done that from the time of unemployment it would not have taken me seven years to pay it off. However, they are not reporting that, The last car note was paid on XX/XX/XXXX. All information of reporting is inaccurate. Santander has been deceptive in their practices. I paid on that load from XX/XX/XXXX to XX/XX/XXXX. They reported me to credit bureau for misc fees on XX/XX/XXXX as the date of my first delinquency and the account was closed XX/XX/XXXX. They reported to the credit bureau a late payment for the fees I never knew were on the account, after I PAID MY LAST CAR NOTE XX/XX/XXXX. As I stated the only reason, I discovered the fees was because I never received my car title and called them, XX/XX/XXXX, found OUT ABOUT THE FEES AND IMMEDIATELY PAID THEM. I have the copies of my transactions.
Capital Accounts LLC placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Capital Accounts LLC to remove incorrect information off my credit report. More importantly, Capital Accounts LLC are in violation of FACTA section 623 ( A ) ( 7 ).
I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately XXXX Account # XXXX
To Whom It May Concern, I have been fighting with Bank of America, hereinafter referred to as BOFA, for well over 6 years now. It has been about 3 years since there has been any real activity on my property. That all changed early last month. BOFA received the servicing of my loan from Countrywide Home Loans Servicing, LP while the loan, hereinafter referred to as debt, was in default for the XX/XX/XXXX payment. Since BOFA acquired the servicing on this debt, they have repeatedly and constantly harassed me for payment and have threatened to foreclose. I presently have a foreclosure date set for XXXX, XX/XX/XXXX. I understand that under the Fair Debt Collection Practices Act, hereinafter referred to as FDCPA, BOFA is a " debt collector '' since they received the servicing rights while the alleged debt was in default. As a " debt collector '' they are without legal authority or rights to attempt to collect payments and/or proceed with a non-judicial action against my property pursuant to 15 U.S.C. Section 1692f ( 6 ) ( A ). My husband is now a XXXX  XXXX XXXX member and over the years we have moved around quite a bit. My property is home to me and my family. Although we may leave for a period of time, we do come back to our home. Today I found out that in mid-XX/XX/XXXX, BOFA had some workers go to my home and break the locks on my front gate to gain access to my property. Not only did they break the locks to my front gates, they broke into my home and disposed of some of my belongings I had in my property. Even if BOFA was a creditor, which they are not, entering on property without my permission is trespassing. Breaking my locks and breaking into my home is vandalism. Disposing my property is stealing. I am appalled at the actions of BOFA. BOFA 's actions are a blatant disregard for the law. Under the FDCPA, a debt collect may not use unfair or unconscionable means to collect or attempt to collect a debt. More specifically they may not take or threaten to possess or disable property when they have no enforceable right to the property. Lastly, BOFA is also in violation of the FDCPA because they are falsely representing the character, amount, and legal status of the debt. Over the years BOFA has told me they were the owners of the debt and then I was told XXXX was the owner of my debt. Pursuant to Commercial Code Section 3118, the statute of limitations for a note payable at a definite time shall commence within six years after the due date or due dates stated in the note, or if a due date is accelerated, within six years after the accelerated due date. The total amount was first accelerated in XXXX. The time for any collector to collect on this debt has expired. I am filing this complaint because I am beyond frustration and anger. I believe if I do not file a Complaint, they will continue to blatantly disregard the law and fraudulently and wrongfully foreclose on my home.
Hello first time doing this my fiancee has been banking at chase since she was XXXX and today XX/XX/18 all of our accounts were frozen and when we called to figure out what was going on they said all our accounts were closed. We inquired as to why they had closed it and they said there was nothing they could tell us as to why our accounts were closed and offered no advice on what we can do to reconcile this situation. We then went to our branch where we do all our banking and they just called the same number we called already and got the same answer we did and offered us no explanation or outcome except once our accounts are reviewed they would send a check in 2 weeks. We lost everything with this situation and no one is telling us why it happened and no one is telling us what we can do to fix it.
I have a closed account with XXXX XXXX. They never had my billing address correct and thus I 've never received a bill. I have asked their debt collectors to send me a bill at least 5 times now. They never do, and they just keep calling. I ca n't pay a bill without actually seeing the bill, but they wo n't send it to me and just keep harassing me.
What is this complaint about? Last year I paid fees associated with reinstating my mortgages after a short bout of unemployment. I bought my mortgage up to date paid all past due fees, attorney fees and foreclosure associated fees. 

What type of problem are you having? Wells Fargo is now advising me that we owe additional monies ( unpaid corporate balance ) of {$880.00} stating that we did not satisfy all the attorney fees when we reinstated our mortgage. They recently sent me a letter stating my mortgage was in default as a result of these unpaid fees. While my mortgage is currently up to date and not due until XXXX. 

What happened? I emailed and called. Some one by the name of XXXX XXXX in the executive suite called and shared with me that he would investigate my claims and reply in 15 days. He replied today via phone only to state that the claims are valid. He stated that he attorneys company sent them an invoice after the fact and that I am responsible for those fees. I vehemently deny those claims and feel that this is another attempt by Wells Fargo to defraud me and obtain additional monies in an unethical manner. These additional and excessive fees are a violation of RESPA What company is this complaint about? Wells Fargo Who are the people involved? My family, and Wells Fargo ( particularly the recovery department )
I contacted Caliber Home Loans back in XX/XX/XXXX to complete a loan modification due to a missed payment when Hurricane Irma happened. It is now XX/XX/XXXX and Caliber has yet to get all the information correct to complete this modification. It started off with not receiving faxes of required documents ( I have the fax confirmations ) so we started uploading all required documents into their website on my account. Every time I contacted them, a form was out of date and needed to be resubmitted. Any mailed information they send is 3 weeks behind and never loaded on my account on website. 
This exchange of required documentation went on for 6 months!!! 2 weeks ago, an agent provided me wrong information due to modification containing a payment HIGHER than what I pay now and her answer to me was I guess you need to find more money .... I immediately asked for a supervisor and was told by him that she gave me wrong information and he submitted information to modification group and not to make a payment this month until new payment is established. Well I called today ,XXXX, to find out what is going on and another agent gave me wrong information and no supervisor is available right now. 
Im trying to do the right thing and catch up on my payments using the help they offered and it has been literally 9 months of XXXX trying to get this completed. 
If I was not in the situation Im in due to handing parents financially as well, I would leave this company and I will tell anyone considering his company not to use them. They have been completely useless in my time of need. Of the 19 different single point of contact specialists I have had to deal with, each one says they will help and have everything handled for me ... .. yet it is not handled. I just want the modification and get back on track with my mortgage. This has been unnecessary stress for 9 months ( and counting ).
Sierra auto charges their customers over {$100.00} a month if they are over 10 days late ( contrary to how their contract reads ). Their payment system processes their payments as cash. Most major credit cards have a cash limit that does not meet the price of the monthly payment. By having this in place and not working with their clients to change their due date, Sierra is forcing people to pay way more than originally agreed upon. I am over XXXX into a XXXX loan that has an additional XXXX in financing charges. My payoff is close to XXXX and a supervisor has not called me back in three months to give a decent resolution.
Around early  XXXX  I applied for a loan modification and on  XXXX   XXXX ,  2017 ,  Ocwen  sent an inspector to  XXXX   XXXX   XXXX ,  XXXX ,   XXXX    XXXX , which they knew to be occupied by a tenant because I sent and they acknowledged possession of the rental lease for  XXXX   XXXX   XXXX ,  XXXX ,   XXXX    XXXX . They falsely informed the renter that the property is in foreclosure and attempted to change the locks. I called them and their manager "  XXXX , '' without accessing my case file, told me that the tenant and property  manager may  just have misunderstand what the inspector said. Clearly this is an automatic response for such actions.   The tenant is understandably extremely upset and if the loan modification application is not viable, they have deprived me of the opportunity of simply give the tenant ordinary notice. Their callous actions and refusal to accept any responsibility or to state that they will stop their actions show a complete lack of concern for the people affected by this situation. If they are doing this to me, they are doing this to others as well. The home is not even in foreclosure status.  Ocwen  's solution was that I send an inquiry to their research department which I have done.
In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with Chase Auto Finance about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.
In 2014 my student loan defaulted. I am not disputing that fact. I am however disputing the amount of collection fees the collection agency charged. The amount they charged nearly doubled what I owed. I have been trying to get copies of what the collection agency had sent ( since I believe I was charged 30-40 % vs the 16 % since these are FFEL loans and Phea has never responded. I faxed them and I also mailed a certified letter on the XXXX of XXXX and still have not received a response back.
I want a payment I can actually afford. I have had my loan for years and been on the income driven repayment plans. Every year the payment goes up to an amount that is difficult to afford. I have had to resort to taking XXXX loans and even cashing in some of my XXXX with the XXXX % penalty to afford the payments. There are now new plans that base repayment on 10 % of income but I am being told that I do not qualify as I am not a new lender although the site that estimates payments show me that I do and shows a payment I can afford. I have repeatedly sent the servicer notes and the never take the time to review the questions and provide a full response. At no point, even after asking, have they indicated they have a true loss mitigation program that would lead to lower interest rates and truly look at debt to income and the actual expenses a borrower has to determine their ability to repay. I do n't understand why student loan servicers are not held to the same standards as mortgage servicers. The payments are so significant that making them could impact the ability to pay a mortgage payment and thus will have the same potential impact of costing someone their home. This servicer and all other student loan servicers need to be forced to develop true loss mitigation and loan modification programs.
I have a Charles Schwab checking account and brokerage account for more than one year, and one day, they suddenly think I am doing fraudulent things and they closed all my accounts later. I did n't do anything illegal at all, I ca n't endure it!
I have disputed several items on my credit report as inaccurate and requested verifiable proof via mail and online with Experian. The results have always come back " verified as accurate '' and/or " updated '' with no proof or an original signed contract with my signature. I have also requested their method of verification and received no response. In reviewing my credit report I also noticed that the " date of status '' had not been updated as the items were " verified '' which leads me to believe that a proper and reasonable investigation never took place. My dispute dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have requested deletion of the following accounts, however, the items still remain : XXXX XXXX/XXXX  - status updated last on XX/XX/XXXX XXXX XXXX - status updated last on XX/XX/XXXX XXXX  XXXX XXXX  - status last updated on XX/XX/XXXX XXXX XXXX - status last updated on XX/XX/XXXX XXXX ( 2 accounts ) - status last updated on XX/XX/XXXX XXXX XXXX XXXX XXXX  - status last update on XX/XX/XXXX XXXX  XXXX - status last updated on XX/XX/XXXX XXXX XXXX XXXX - status last updated on XX/XX/XXXX XXXX - status last updated on XX/XX/XXXX XXXX  XXXX XXXX - status last update on XX/XX/XXXX XXXX - status last updated on XX/XX/XXXX XXXX  - status updated last on XX/XX/XXXX XXXX XXXX  - status last updated on XX/XX/XXXX XXXX XXXX - status last updated on XX/XX/XXXX XXXX - status last updated on XX/XX/XXXX and doesn't show that account was disputed XXXX  - status last updated on XX/XX/XXXX XXXX XXXX - status last updated on XX/XX/XXXX XXXX - status last updated on XX/XX/XXXX XXXX ( 2 ) - status last updated on XX/XX/XXXX
We were flooded by Hurricane Harvey in XXXX, Texas. I have flood insurance through XXXX XXXX XXXX XXXX, XXXX XXXX. My member number is XXXX since XXXX. I received a closing flood claim payment from them around XXXX XXXX, XXXX in the amount of {$75000.00} ( check number XXXX ). I took it to our Bank of America branch,  our mortgage is also with Bank of America. The financial adviser in the bank called their corporate office as the branch is unable to approve the deposit before they get the OK from corporate. Again, my check paid from my flood insurance account can not be cashed before the BofA corporate office approves it to be processed. I do n't understand and neither did the bank 's branch financial adviser. No reason for the delay was given to me or their financial adviser at the branch other than this is the process. It is now over 15 days since I tried to deposit the check so I could pay contractors repairing my home. The check was sent to the corporate office. BofA never advised me to take out flood insurance, never paid any portion of the premium, never called me after the flood, never sent out anyone to inspect the damage. They have offered no help at all!! How do they get away with causing us more suffering and pain. Are they getting a kick back somehow by delaying payment? Congressman XXXX XXXX suggested I contact you for help. This is wrong for a bank to do this.
RE : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports with XXXX, Equifax, XXXX.

I have a Hard Inquiry from company : XXXX  Hard Inquiry done on : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY I mailed a letter to XXXX  Dispute center and to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX.I have not yet received any return correspondence, at All.From neither companies.
They say due date is XX/XX/XXXX. You make a payment XX/XX/XXXX. That payment is not applied properly and they charge you late fees if you do not notice and do not call in time. 

They made PMI cancellation a nightmare and pretended that loan needs aging of one year and then two years LYING on the phone that it can not be done before that. Turns out that it can and they just cancelled PMI.
Santander USA calls me every day and on at XXXX occasions they did not leave a message. On XXXX/XXXX/16 I received a phone call on my cell phone while I was at work, I advised the agent that I can only take calls that are considered to be an emergency. He states this is an emergency but a past due bill is not. He states to call them back, but the fact that an agent called me on XXXX/XXXX/16 at apprx XXXX from phone XXXX lied and I advised him I could lose my job if I have to stop doing my work to answer calls. A past due bill is not an emergency but I had an important phone call back in XXXX when my aunt passed away which was an actual emergency. I could lose my job over this. I have spoken with a few people that advised me that Santander USA has did this to them also. I also asked for help to move XXXX payment to the end of the loan but I was told I would have to wait until I made XXXX payments to do that. I am on the process of changing banks because I am having fraud issues with my former bank, I was notified they will not honor any more payments. I am willing to make XXXX payment on XXXX/XXXX/16 but I need XXXX or XXXX payments put on the backend of the loan until I get this matter straightened out. Santander should not use scare tactics to get people to talk to them, I also want late fees and any credit reporting removed from my credit report. What they are doing is illegal because the agent yesterday claimed this was an emergency which was not. I have the recorded call as proof as well. I am asking for any credit reporting to corrected due to the scare tactics, I actually have the call recorded on my phone if Santander wants to hear it. This call was about a past due balance and this was not considered to be an emergency per my employer. He states this was an emergency call, I advised I am at work but he states again it was an emergency which it was not. It is illegal for a company to claim a call is an emergency when it is not.
My promotional zero percent interest rate expired on my Barclays Bank Mastercard, but the impending expiration of that promotional rate was not noted on the credit card statement immediately preceding commencement of interest charges. Instead, that statement ( XX/XX/2016 ) reflected a 0 % interest rate on the promotionally charged amount with no expiration date for that rate reflected. Yet on my next statement ( XX/XX/2016 ) there were nearly {$160.00} worth of interest charges, and the statement reflected the new 16.24 % current interest rate. 

When I called to complain and ask that the interest charges be reversed, the customer service agent initially acknowledged the error. However, after consulting with his supervisor for permission to reverse the interest charges, he stated that the expiring rate was not shown on the XXXX statement because the rate had expired the same day that the statement had issued, meaning the statement could not reflect a future expiration date. The supervisor later told me the same thing. But if the rate had already expired at the time the XXXX statement was issued, then the XXXX statement should have reflected the new 16.24 % rate, not the 0 % rate. 

I pointed out to the customer service agent and his supervisor that they were trying to have it both ways by claiming, on the one hand, that the rate had expired on the XXXX statement date and so that statement could not reflect the rate expiration date, but that, on the other hand, the XXXX statement reflected the 0 % rate that they claimed had already expired by that time. The agent acknowledged my point, but insisted that " this is just how we do it '' and refused to reverse the interest charges. After considerable argument, she agreed to reverse half of the interest charges, but refused to reverse the rest. 

I would like the remaining interest charges refunded, and for Barclays Bank to stop these misleading billing practices.