WillisBack/dataset-financial-user-claim huggingface dataset:
Santander is not following XXXX guidelines for XXXX lien holders. I am currently in the process of doing a short sale. The first lien holder - XXXX has approved our short sale and allotted Santander the required amount. Santander is dragging their feet not issuing an approval. The first lien holder will not stop the scheduled sheriff 's sale for Monday XXXX XXXX without Santander issuing an approval letter. We are doing the right thing following XXXX guidelines for a short sale and Santander is not.
Initial Complaint :  XXXX  Response : Dear CFPB, I did not receive any calls from USAA. I informed USAA that my cell phone was stolen and provided them with an alternate contact number. They could also have direct messaged me through  USAA.com. I   contacted  USAA  numerous times with calls and direct messaging. I was told to call, but when I telephoned, I was transferred repeatedly and consistently to numerous departments with no help or answers. If I visited USAA.com multiple times, it was to open accounts for my  XXXX  children or to address  Christmas  money being transferred to them, not for my own personal use. I had to file a complaint to get them to talk to me.     First, I left my purse on the counter while shopping during Black Friday, but it was later returned. Secondly, my van was broken into and my phone, purse, and personal items were taken. A couple of my cards were compromised. As a result, I looked further into my accounts.     I confused this card with a  XXXX  card and application. I explained to USAA that I had no knowledge of the account or card when I telephoned and needed to close it. Why would I go through all of this for {$35.00}?     I have slowly been transitioning to my new home at  XXXX   XXXX   XXXX  in  XXXX , Virginia while it is being renovated, so I havent fully changed my address yet.     Regardless, derogatory information was reported to the credit bureaus while this issue was supposedly under investigation. I was told that the first investigation was inconclusive. Negative information should not have been reported to the credit bureau if the credit card account was under investigation, and I was not aware of the results.
Over the last year in XXXX & several times in XXXX I have contacted my bank about a paid loan that they keep billing me annual fees for account that was closed in XXXX soon as the account was paid off. Each time that I speak with a customer service agent, they either do n't see the form filed with the correct department or the correct form was not submitted by the previous agent. Since XXXX I have been receiving statements about this same account and I have called each time that I have received one. Now they are charging a late fee, plus threatening to send this to a collection agency for an amount that I do not owe Regions Bank.
Please refer to CFPB Case # XXXX. In the third paragraph of the letter dated XX/XX/18 which a copy was provided to you XX/XX/18, the funds went to XXXX. I specifically entered XXXX. The area code listed by Wells Fargo is incorrect. At this point I would like for Wells Fargo to refund the {$200.00} listed in the letter to my account. Thank you.
Original Complaint - was dismissed through this portal, and no action was taken. 
It is being repeated because, the account is inaccurate. 

I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. there is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. 

The XXXX XXXX Tradeline 's XXXX XXXX Should be " Closed ''. It currently has XXXX - even though there is a published Close date, The Comments on this account are inaccurate. 
The High Credit, is inaccurate - You display XXXX, and the report shows XXXX. The comment say, XXXX - which is wholly inaccurate. 

Please look at both screen shots from your product. 

XXXX XXXX would have communicated that this account is CLOSED, as it published a Closed date and at the Consumers Request - in the comments.
I was filing my taxes in late XX/XX/XXXX and needed to know what student loan interest I paid for XX/XX/XXXX. On the XXXX XXXX XXXX website, it alerted me that my tax information was available. When I clicked on that, it told me it would actually be available in late XX/XX/XXXX. I called XXXX and they informed me that only my father, the primary borrower had access to this information. My father does not know his login or account information, so he could not access this information. After another call to XXXX, I learned they would be mailing the 1098-E form. 

My father received the 1098-E form, and the student loan interest paid is listed as one total number. My father is the primary borrower for myself and my brother, and there was no way to see what interest was paid for each individual loan. 

I tried to look at the payment history for XX/XX/XXXX so that I could manually add up the interest Ive paid, but the only history they give is the last payment received for each loan. I called XXXX  again today, on XX/XX/XXXX, and they confirmed that the 1098-E is not itemized. They also confirmed that I have no access to payment history, and that I have to request that payment history be sent by mail. The payment history will be arriving by mail in 7-10 business days. 

My student loans were sold to XXXX in XX/XX/XXXX by XXXX XXXX, so my father received a 1098-E from XXXX as well. This 1098-E has  itemized information for student loan interest paid with the loan number. The XXXX  website also does not list the official number for each loan, they just number them 1 or 2, so I cant even see what loans they are referring to. 

This lack of information available is frustrating and should be corrected. My other loan provider, XXXX, gave me access to the 1098-E, and also has a full payment history detailing what payments went to principal and interest. 

This is not my first issue with XXXX or their website interface.
In short, my spouse and I filed for Chapter XXXX bankruptcy protection in XX/XX/XXXX. In XXXX XXXX, our trustee filed a " Notice of Completion of Chapter XXXX Plan Payments to Trustee '' and served it to us, our attorney of record, other secured creditors and to the law firm representing our mortgage servicer, Greentree Financial dba Ditech which was transferred from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. Approximately 30 days later, Ditech 's attorney provided a response to the Trustee and our bankruptcy attorney indicating while they confirmed receipt of the Trustee payments, the debtors, meaning my husband and I, were allegedly delinquent in our mortgage payments by XXXX {$36000.00} which equates to approximately 24 months of past due mortgage payments ( that documentation has been attached to this complaint ). Documentation provided to substantiate their claim has been inconsistent, incomprehensible and ambiguous at best ( that documentation has been attached to this complaint ). You should know that the first time we were notified about a gap in payments is when a law firm representing XXXX XXXX XXXX sent an intent to file for a motion for relief to our attorney in XX/XX/XXXX. We challenged them by requesting a copy of our pay history and upon receipt we learned that XXXX XXXX XXXX was posting post petition payments to pre-petition shortages ( the months included in their proof of claim ) erroneously. Once our attorney challenged their findings by providing the XXXX pay history documentation to XXXX XXXX XXXX 's attorneys, we never heard from that firm again ( that documentation has been attached to this complaint ). When my husband 's employment was impacted, being proactive and accountable, we applied for loss mitigation assistance with XXXX Home Loans and were pre-qualified for a HAMP loan modification program ( documentation has been attached ). After we completed the trial payment plan, we opted out and raised objections about the terms and conditions ( documentation attached ). Those inquiries were never answered. What we 've experienced has been overwhelming to say the least! We 're distressed and infuriated because verbal and written requests for information have gone unanswered and our attorney 's efforts to obtain specifics have been to no avail. Our discharge hearing has been postponed twice because we 've been challenging them. It 's been rescheduled for Thursday, XXXX XXXX XXXX. We need help with holding XXXX XXXX XXXX, Greentree and Ditech accountable as we fear we 're being victimized and at risk for foreclosure. We want now what we wanted then and that is -- - irrefutable evidence of our past due status and transparent, legitimate documentation supporting how our payments have been applied and why if we missed that many payments, the bank failed to exercise their right to repossess? Thanking the CFPB in advance for your immediate attention to this matter.
I applied for a checking account with both XXXX and XXXX XXXX XXXX on XX/XX/XXXX and was denied due to incorrect reporting of a fraudulent account that was proven to be fraud by XXXX Police Department. The police report number is XXXX. I disputed the information with XXXX XXXX XXXXXXXX but they have yet to delete the fraudulent account from my credit. I have a pending lawsuit against XXXX XXXX XXXXXXXX for incorrect credit reporting. 

The report sent to XXXX XXXX XXXXXXXX on both XX/XX/XXXX and XX/XX/XXXX : I stored my personal items at a friend 's house because I was XXXX for a few months prior to relocating to college in XXXX, XXXX. I went to XXXX XXXX XXXX on XX/XX/XXXX in XXXX, XXXX to be added to my aunt 's checking account as an authorized user and was told there was an account on my XXXX report from XXXX XXXX XXXXXXXX that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, XXXX ). I filed a police report in XXXX, XXXX, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, XXXX, stole my identity, then used my information to open an account without my permission. The account was opened in XXXX, according to XXXX report. I attached my IG with my XXXX address, the only address I've ever lived. XXXX XXXX XXXXXXXX Replied stating they would not remove the account and expected payment because an individual walked into the bank on XX/XX/XXXX and opened an account with my ID. My ID and SSN card was stolen, as I stated above, and even after I provided XXXX XXXX with the identity theft criminal report case number from XXXX Police ( XXXX PD Criminal Report # : XXXX ) upon request, the account still has not been removed.
8 Years I cant get a New Credit Card Becuse of the Attached Photo of a Extended Consumer alert in my Credit File ====== Can Experian XXXX and XXXX  XXXX please Remove the Extended Consumer alert in my Credit File XXXX XXXX Sent me a Attached Picture of a Extended Consumer alert Please Remove ============== 50 times I sent the 3 Credit Burow pictures of 3 Forms of my ID and the Credit Burow almost never respond other then They Cant verify me or Send ID agin ======= Experian RESPONDED DESCRIPTION OF NON-MONETARY RELIEF According to our records, your Experian credit report does not display a fraud alert.

=== Experian did not Respond about the Extended Consumer alert Experian Please Resond about removing the Consumer alert ======= Ecperian should Remove the Extended Consumer alert in my Credit File XXXX XXXX CEO Banks XXXX XXXX and XXXX XXXX XXXXXXXX robed me {$100000.00} dollers then 40 Bank lawyers say its Imposabale two Comprhend the Bank rob people the bank cant comprhend Robing People 6 years Im a XXXX  living in Forign Countries its Verry Hard two find a Printer two mail the Credit Burrow a letter two Please Remove the Remove the Extended Consumer alert in my Credit File American Banks rob all my Money making me a XXXX  then American Banks block 90 % of my banking dose not Work The Banks Block all my XXXX  Purchase I applied fore 100 new Bank acounts all denied but one Bank that Nothing works CFPB says two call them and The only way two call and American BANK 1800 number Requires a CELL Phone with International long Distance cost {$5000.00} dollers a YEAR
On  XXXX   XXXX ,   XXXX   I was notified by email that my credit limit had been decreased on my existing CITIBANK credit card , by Citibank, N.A.,   XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX   SD  XXXX . The reason cited was that my credit report reflected a " substantial number of debts owed to other creditors ''. iWhen I applied for the credit card, I held the same number of creditors and was approved for the card. I am current with payments, I make higher the minimum payments, am not in default with this or any other creditor, I have no collections, hold a 100 % payment history with this and other creditors. I have received unsolicited credit limit increase in my credit limit. I contacted a Citibank line manager regarding this decrease and was given the reasons stated above, based in part by reporting of   XXXX   XXXX   XXXX   XXXX   . I  explained that this report had been in dispute for some time with  XXXX , an d    XXXX   XXXX   XXXX   XXXX   XXXX   I reported that there was indeed approximately a  XXXX  poin t credit score  spread between theses two agencies and  XXXX  largely because both  XXXX , and  XXXX   XXXX  are reporting my home mortgage as an installment loan with a high balance rather than a home mortgage as it should be. My home Mortgage lender has called, wrote letters, and attempted to have   XXXX   and  XXXX   XXXX  correct the installment loan reporting to reflect a Home Mortgage to no avail. I also noted that this so called " occasional periodic credit report check, directly coincided with my  XXXX  birthday several days ahead of this credit limit adjustment, I AM ALSO A   XXXX   XXXX   XXXX   XXXX   and  may  in fact be a form of  CITIBANK  discrimination. No other creditor has made such an adjustment, I maintain higher credit limits with regular unsolicited increases, and as previously stated, are current, and likewise with no missed payments. On  XXXX   XXXX ,   XXXX  , just 4 days after receiving the decreased credit limit notification I received another email from Citibank which reads on the subject line " Notification : Dear  XXXX , we appreciate your loyalty -view THIS limited time offer '' this was a solicitation to apply for a AAdvantage, Platinum Select, World Elite,  Mastercard   XXXX  I get these invitations regularly from Citibank and am confused as to why I am asked to spend more, apply for additional cards, or otherwise am encouraged to use my  Citibank  credit card and at the same time find it hard for Citibank to justify the CREDIT DECREASE. As previously stated, I am not in default nor have I ever been with this card ( or others I possess ), I have no past due discrepancies, and do not understand on what  Citibank  has based their unfounded decision. Utilitie bills, mortgage, insurance and other debt also reflects 100 % payment history. Could my age have been a consideration? is there some other reason why Citibank chose to make this so called " periodic review '' and determination?
XXXX misapplied my payments. I have submitted to Transunion cancelled checks supporting my contention, ALL BILLS WERE PAID ON TIME They have adjusted the current parts, but wo n't correct the past errors
I filed a complaint against Equifax many times regarding negative credit reporting that has surpassed the seven year retention term for negative account history. You have destroyed our credit for 10 years. The loan we co-signed for was reported to the other two agencies in XX/XX/XXXXand XX/XX/XXXX. You have a report date of XX/XX/XXXX which is absolutely incorrect and this is a con either by Equifax or XXXX XXXX XXXX XXXX.
We have and continue to suffer punitive damages as we are elderly and have been turned down for a home refinance loan due to this negative credit report. We have requested proof and been ignored and we are asking for notarized information regarding the XX/XX/XXXXdate you have on file for us and all back credit reports from XX/XX/XXXX through XX/XX/XXXX. Who contacted you in XX/XX/XXXX, from what agency and where is the proof of this incorrect reporting.
Why is it you think you have the right to take 60 days to provide the information that is having a major impact on my life when you have already created this serious financial burden to continue incorrectly??
This information that has been reported to my credit report is fraudulent and I would like it to be removed and blocked from my credit report because it is causing me a lot of health issues. 









XXXX XXXX Status Closed Balance {$5100.00} Type Credit Card Payment Status Late XXXX XXXX Status Closed Balance {$11000.00} Type Credit Card Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX Status Closed Balance {$13000.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX   XXXX Status Closed Balance {$26000.00} Type Credit Card Payment Status Late XXXX XXXX Status Closed Balance {$3200.00} Type Unknown Payment Status Late XXXX XXXX Status Closed Balance {$660.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$6200.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX Status Open Balance {$2100.00} Type Unknown Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$6400.00} Type Credit Card Payment Status Late XXXX XXXX Status Closed Balance {$1200.00} Type Unknown Payment Status Late XXXX XXXX XXXX XXXX Status Open Balance {$2100.00} Type Unknown Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Open Balance {$44000.00} Type Installment Loan Payment Status Paid
I had disputed via the online system with Equifax information in regard to XXXX public records listed on my credit report. They immediately responded to me 5 days later that the information had been verified. I received this information : Public Record Information This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX https : //equifaxconsumers.XXXX XXXX I called XXXX XXXX by phone today at the number Equifax provided at XXXX. I was transferred to the Public Records division. I was told that there is no record of Equifax contacting them about information listed on my file because my file is frozen. My XXXX XXXX file was frozen on XX/XX/2017 and NO information is accessible. I was also mailed a PIN to my home address in the event I wanted to un-freeze, which I have not done! 

They stated NO ONE has the ability to access my record with XXXX XXXX because the file is frozen. I am confused as to whom Equifax spoke with or verified the information with because of the information given to me by XXXX XXXX.
XXXX Confirmation # XXXX XX/XX/XXXX Personal Information has wrong address and this has been going on for over 4 months now with no end to XXXX putting address are not my address as office buildings and other address that XXXX has or can not provide proof of the address. 
Employment not showing last reported or Previous Employment not showing. I have sent in my current proof of XXXX from employment and have yet to see anything on my credit report. 
Liens showing on my credit report as to I have ask XXXX for proof of my full name full social security number full date of birth and full address in my name showing all the information as required as to the laws changing in XX/XX/XXXX pertaining to this issue.
Experian is reporting a collection for XXXX and account was paid at XXXX  ...
My loan was transferred from Selene Finance to XXXX XXXX as of XX/XX/18. The servicing transfer letter from Selene was dated XX/XX/18, and the one from XXXX was dated XX/XX/18 ; however, I did not receive them until well into XXXX, very short notice. At the time I received the letter, I had paid half of my XX/XX/2018 payment to Selene ( {$1100.00} on XX/XX/18 ). Their letter said that amounts paid by XX/XX/18 should be sent to Selene. Since I made the second half of my XXXX payment on XX/XX/XXXX ( {$1100.00} ), I sent it to Selene. Selene seems to have applied this payment, as a screen shot from their website shows the next payment due date to be XX/XX/XXXX. Meanwhile, I had been receiving phone calls a few times per week from XXXX. Each time they asked about my XXXX payment and I explained that it had been made - dates, amounts, etc. 

I have so far made two payments to XXXX : XX/XX/18 {$2200.00}, and XX/XX/18 {$2200.00}. These payments appear to have been applied to my XXXX and XXXX payments instead of my XXXX and XXXX payments, as their website now shows my loan due for XX/XX/18. 

Because I began to become concerned that this missing payment would never be resolved by these two companies, I did call Selene and asked if the payment had been/could be forwarded to XXXX. I was told that Selene had sent a check via XXXX XXXX on XX/XX/18 for not just my loan, but many in the transfer. I could not get tracking information for this shipment, because I literally was hung up on by the unbelievably rude associate, after they informed me that I was no longer their customer. 

After a phone conversation with XXXX today, I have been told that Selene is either failing to respond or providing inadequate tracking information for payments that have been sent by Selene to XXXX since the servicing transfer. XXXX at XXXX said there are numerous emails to Selene asking for additional funds to make up for the missing payment. 

At this time, I am very concerned that this payment is still unapplied, and that negative credit reporting may happen because we are beyond the 60 day " grace '' period due to a transfer. I want to ensure that all payments get applied by XXXX effective on the dates that I made them, NOT as of the date they finally straighten this out. I have spent too much time trying to resolve this myself, and though I had no desire to file a complaint, I have no choice at this point.