WillisBack/dataset-financial-user-claim huggingface dataset:
When I call Santander Consumer USA they state that my account is open and active, however my credit reporting is stating my account was Charged off. My payments were delinquent and upon seeing they closed my account I contacted Customer Service and paid my account up to date and had it reactivated immediately in XX/XX/2016. Agent I spoke with said my account would be active and I could go back to making regular payments. I have always had possesion of my car, it has never been taken. Since then I have made all payments early for 3 months, but account was verfied as closed. I called to discuss the account and was informes it was opened but because at one point it was charged off the reporting status would not be changed and my current up to date payments would not be reported. They suggested trading in or refinancing vehicle. If my account is active, payments are up to date, and I have never lost possession of my car their reporting of my credit status should reflect that.
To whom it may concern this is a ongoing problem with the practice of this business after I was being told there be no more further collection and their statement was forwarded to Department of Business Oversight of California I still continue to receive different types of collection agency attached is the documents trying to have a mutual agreement they had ( 4 ) different licenses and ( 2 ) different addresses neither from California also 4 enforcement actions. I was unaware of their practice.
Experian is reporting a debt that is not mine, I never lived in the state or the address that the account was opened. The debt is {$400.00} and I have contacted both Experian and the XXXX XXXX and has not received a response to my compliant.
This may or may not be the right place for this complaint, but let 's give it a go. 
I placed my home up for sale. A buyer financing through Quicken Loans was interested, we agreed at a price and the process was on. Inspection went fine, XXXX appraisals were required due to selling price. The first appraisal came in at selling price. The second appraisal was " cancelled '' after it was made ( we believe that it matched the previous assessment ) and a XXXX appraisal was requested by Quicken Loans, less than 2 weeks to closing date. The XXXX appraisal came less then the selling price, and that 's just what Quicken Loans wanted. To me, it seems like Quicken Loans is forcing the seller 's price down as to minimize their " risk ''. The buyer is a physician, with real estate assets out of state, and a solid financial background. 
Both seller and buyer were packed, had made financial commitments, and then this. 
The net was a loss of {$50000.00} to the seller from the agreed price, and additional funds added to the down payment by the seller. Quicken Loans tactics are unethical, in my humble opinion. As a result of this transaction, I personally warned every person I know, whether a seller or a real estate sales person, to decline any offer that will be financed by Quicken Loans. Needless to say, the real estate agents involved, are doing the same. Maybe the the Feds can look into Quicken Loans 's practices.
regarding XXXX/XXXX  account no.XXXX appearing wrongfully on my transunion and XXXX reports . 
I NEVER ORDERED THIS CARD. 
I NEVER ORDERED ANY MERCHANDISE. 
ALL OF THE CHARGES ON THIS CARD ARE RETURN OR RESTOCKING FEES AND THE INTEREST ASSOCIATED WITH THOSE FEES. 
DELETE THIS FRAUDSTER 'S ACCOUNT FROM ALL CREDIT BUREAUS.
1-Questions are poorly worded. I.e., what does associated with mean if it 's about an old address. Does that mean currently, in the past, or could be listed in my file? 
2-Tell me why i failed your impossible questions so that i can learn from my supposed errors. Can you people remember what you did 10 years ago when the bank name changed five times over the course of the loan? 
3-Do n't use scrambled letters / numbers that can be confused for other letters / numbers. The number XXXX and letter l look similar, as does the letter O and number XXXX. The variegated colored background makes this more difficult than it has to be. *
My name has never been XXXX XXXX XXXX and dont have a credit card in the amount of XXXXDont know where you got this from but it shows on my report ... 
XXXX XXXX
Bank of America is suing me for a home loan I never signed any documents for. 
XXXX XXXX XXXX XXXX Multi-pledged both my residence and I have submitted a complaint on this to you and was assigned case no. XXXX. I have tried to log in to see Bank Of America 's response. And your sight will not allow me to log in or send me a password so I can log in.
XXXX XXXX XXXX should not be allowed to be on my credit report. They have changed their story so many times and Equifax should know this because they purposely reported a false address and Equifax let them change it knowing full well I have told them the account is fradulent. I am also including the last statement XXXX XXXX XXXX sent me showing an account balance of {$0.00} and XXXX XXXX XXXX has also claimed that they filed a XXXX for the account meaning they have canceled the debt and illegally made me claim it as misc income. In the case XXXX XXXX held in Tennessee, a judge has said that if a company files a XXXX on someone then they are in fact giving up their rights to collect on the debt since a person is being charged taxes on the amount. XXXX XXXX XXXX is another thing that should not be showing on my credit report, not only did Equifax claim it was not on my report, this account is also fradulent. By XXXX own representative 's statement, XXXX was in control of the account the entire time and that is why their representative does not have a record of the settlement on file. The representative also claims that the settlement agreement was done with XXXX and per the settlement agreement, that I have sent Equifax multiple times, this debt can not be collected on, no matter if XXXX thinks it is mine or not. Lastly, XXXX XXXX is also a fradulent account. I do not have any bills or documentation but I will send a picture of my wedding ring, the only jewelry I own and send it to the bank and ask them if that is the jewelry, if not then they need to be removed from my report. With all this information I have presented you and sent Equifax a certified letter, if they keep backing the illegal activities of these banks then I will name Equifax in my lawsuit as soon as the 30 day window is up. Equifax is required by law to block any false information or fradulent accounts and they have refused to do so. I know I will have no issue wining and Equifax will be held accountable.
I received a correspondence from this company  (  Transworld Systems Inc  )  dated  XX/XX/XXXX , that stated they will make a request to have this account/item removed from my credit file. As  X/XX/XXXX , this has not happened. On  X/XX/XXXX  I filed a complaint with the CFPB case number  XXXX  and the company responded stating that they have requested to have the item deleted from credit file. The account on these correspondences is  XXXX . They continue to report this item/account to the credit bureau  ( s )  with an account number as  XXXX . On   XXXX   I sent another correspondence to this company, which they received on   XXXX   per  XXXX  tracking. As of  X/XX/XXXX  I have received no reply or correspondence from this company, but they continue to report to the credit bureau  ( s  ). The company also sent me a copy of a promissory note. In my correspondence I requested the original wet ink signature document as the copy may be a forgery.      1.  What is the alleged account number  XXXX  or  XXXX ? The company reports with both of these numbers. On the letters received it is listed as  XXXX , but on credit report as  XXXX .    2.  Why is the company using  XXXX  different account numbers? Seems to be unlawful and fraudulent activity.    3.  Can the company provided the original wet ink signature document  ( pr omissory note )?
XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX/XXXX   Inquiry from XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Customer Service Rep did not try to help me resolve my issues and get the negative reporting inaccurate item removed.
They called on XX/XX/XXXX @ XXXX ( PST ) They called on XX/XX/XXXX @ XXXX ( PST ) They called XX/XX/XXXX @ XXXX ( PST ) I asked them to identify themselves if they are a collection agency, they refuse EVERY TIME. 
They request for me to submit my SS #, DOB, and address before continuing to answer my questions. They respond by saying that they have a serious business matter to discuss. 
I tell them that I NEVER give my personal info over the phone, and I tell them that I NEVER WISH TO BE CONTACTED BY PHONE by their company ever again. I also mention that I am registered under the National Do-Not-Call Registry, and they laugh and continue to ask my personal information. 
Either way, they are either violating the FDCPA or CFPB regs. Please help with this harassment.
XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 10 % Balance {$50.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount {$50.00} Highest Balance - Terms Revolving Responsibility Individual Contact Information XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor -Company Sold XXXX XXXX XXXX Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$500.00} 0 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$50.00} {$500.00} 10 % Revolving Negative XX/XX/XXXX These two accounts are the same and are being reported inaccurately in the fact they are the same company and are trying to appear as the same debt is 3 deliquent accounts instead of just the one original one. In addition to this, the terms and amounts of debts are all incorrect and being reported inaccurate. I asked for this account to be validated in writing from the original creditor once I saw it being reported on my XXXX Credit Report. I was not even sure I owned this debt to begin with. The company told me they would not mail me a validation, but would mail me the current bill not including the intrest as that could not be calculated until the final bill was paid. I was unsure how this made no sense but still said I needed a validation letter as well. Regardless, I received neither. In addition I was never notified in writing that the debt had been sold to a new collection company so that they could at least provide me with the deatils of this account that I still am not sure it is mine. I know XXXX XXXX has been involved in law suits with consumers recently and came to court unprepared to show proof of ownership and have had many complaints filed against them regarding their unscrupulos and fradulent debt collection practices.
I am objecting in general to the forced arbitration clause in all my credit card contracts. I would like CFPB to prohibit such clauses in all financial contracts. I support XXXX XXXX in its opposition to this practice.
In XXXX of XXXX I was approved for a loan modification with XXXX XXXX. I paid all 3 trial payments. On the XXXX payment I called XXXX and they told me my file had been transferred to SPS. I called SPS and they had no record of the mod and told me I had to START THE PROCESS ALL OVER!! The previous process took months almost a year so as you may understand I was devastated beyond belief!!! I knew I had been wronged but could not figure out who I needed to speak to in order to help me. I called profusely to SPS, XXXX, XXXX, I reached out to XXXX, etc. Nobody could help. Well, let me tell you last week I was BLESSED! I finally after 4 EXHAUSTING LONG YEARS spoke with XXXX. She helped beyond belief. She was a rep in the Loss Mitigation department and she blew the roof open!! She went back to XXXX to see what happened. She found out that XXXX did not send the paperwork over until XXXX or XXXX of XXXX. Therefore, when SPS finally received the mod docs they stated to me, " OH SORRY THE DOCS EXPIRED! '' I WAS LIVID!!! Because at this point SPS would not honor the mod. I was wronged and have been fighting ever since. I worked in a call center for XXXX to see what happens behind the scenes of a mod process. Much to my dismay I realize that docs are not package properly, you have new employee 's on the floor that just start the process then quit, you have hourly workers working on your file and customer service reps who read notes on a screen and do not assist because they have no actual file in hand. I have ran the NPV tool on many borrowers and understand the process. When someone ran the NPV tool on my file they stated I made XXXX per month when in actuality I sent a pay stub in for XXXX. Needless to say ... .I WAS  DECLINED! Also, I had a case where SPS is stating they are missing docs from my file and declined me because of it. I happen to know first-hand that all companies ( call centers ) say the same thing! They are unorganized and blame the general public for not sending in documentation when all the while it 's their internal process. MILLIONS of people have gone to foreclosure because of mishandled documentation by call centers. ( I refuse to call them BANKS ) as most people are ignorant to the fact that they are speaking to hourly workers who do n't even own homes. 

I have put my complaint into XXXX and into SPS for the improper handling of my file. There was a 42 page piece of XXXX report that was written by a woman at SPS with my last complaint to the CFPB. I had no ammunition last time and did not know what happened. However, this time XXXX at SPS ( in Utah ) helped me tremendously. She read the notes word for word on what happened and I found out the dirt and why I did not received my paperwork. SPS has tried to get out of honoring my loan mod by making up accusations, but XXXX blesses those who do right. I was wronged and I am here to tell the public that we need to stick together and do what is right for this Country!
Wells Fargo has been allowing my checking account to be debited {$9.00} per month for approximately ten years and this was unauthorized. I am concerned they are involved in a fraud.
I have had many problems with this bank. First my bank account, and now my credit cards. I have requested many times that they assist me in reducing my interest rate so I can pay off the accounts. They refused. I called one day and requested any assistance with a payment plan of some sort. The agent barely helped me and kept asking what I wanted, instead of telling me what I might be able to do to get help. He took my debt/income information and payments on the accounts and said I will get a letter about it in the mail. I finally, after weeks got a letter that says, " We are unable to assist you with your request regarding this account. '' That 's it. Nothing that I can do, no reason they can not help, just NO. I am unable to make my payments online anymore and although I have requested statements, they do not send them to me. I can not even tell how far my payment is past due or anything and now it 's damaging my credit very much, just because I fell into some hard times when I got behind having to pay my mothers rent. Now, early XXXX I have to pay her rent again due to her XXXX for about 3-4 months and I am going to be low on money again and they will not assist me.
I opened a Citigold checking account with Citi Bank in redemption of a promotional offer for XXXX XXXX XXXX miles after completing {$1000.00} in debit card purchases and completing a bill pay in two consecutive months. After quickly meeting the requirements of the offer, I contacted Citi via secure message ( on XXXX/XXXX/16 ) to confirm the satisfaction of the requirements ( reference # XXXX ) and received word that I had successfully satisfied all requirements of the offer and should " expect to receive your bonus miles no later than your XX/XX/XXXX statement cycle. '' Since then I have contacted Citi by phone and by secure message ( on XXXX and XXXX/XXXX/16 ) and they continue to postpone the originally promised fulfillment date, claiming that there is an ongoing investigation regarding my miles and citing the high volume of investigations to justify their reluctance to pay out the miles they had promised. 

I have been in communication with Citi for several months now with no resolution, and have n't been able to get useful responses from the Citi staff regarding the fulfillment of the offer. Overall it seems like the company is just trying to drag this out as long as possible so that I give up and miss out on the points they had promised.
XXXX XXXX XXXX requested a credit limit increase on XX/XX/2018 and below attached will be the reasons for the denial in the letter provided by Discover stating " Past and or Present delinquent credit obligation as reported by agency bureau reports. '' Below also will be attached with the denial letter is a current copy of XXXX XXXX XXXX 's credit report that was reviewed on XX/XX/2018. This decision is incorrect and XXXX XXXX XXXX wishes to have a thorough investigation as to why he is being denied for a credit limit increase on reasons that do not accurately reflect his credit report. This information was forwarded and reviewed by XXXX XXXX in Discover 's executive office. He has failed to thoroughly examine and have this information reviewed and re-considered. There has never been past or present debt on XXXX XXXXXXXX XXXX  credit report belonging to him as you can witness and view in a copy of his most recent credit report by XXXX.
THIS ACCOUNT DOES NOT BELONG TO ME. I TOOK OWNERSHIP OF MY LEASED PROPERTY IN XXXX XXXX AND SIGNED CONTRACT FOR UTILITIES WITH XXXX UNTIL XXXX XXXX WHEN I COMMENCED SERVICE WITH XXXX FOR INTERNET AND CABLE PACKAGE. I HAVE HAD A XXXX ACCOUNT SINCE XXXX OR BETWEEN XXXX AND XXXX.
Greetings! I am filing an official complaint against Select Portfolio Servicing , Inc., XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX for continuing lies and unprofessional attitude. I have an existing loan with SPS - XXXX and I have set up an automatic bill pay with my banking institution. In XXXX I made an accidental double payment in the amount of {$3500.00}. Once I discovered my error, I promptly contacted them and requested that they wire me back the money to my bank account on record, and have faxed them numerous times all the pertinent information - XXXX routing number, account number and the contact information of my banking institution. The last week has been, mildly speaking - XXXX on earth. Different reps telling me different stories, tossing me around from extension to extension, putting me indefinitely on hold and just dropping the connection at will. So, finally, they promised that today, XXXX I will have the check overnighted. To me, such an attitude where you tell your paying customer a whole bunch of lies and just never bothering to do the right things is just unacceptable!
I deposited a check with KeyBank of XXXX. Because of the amount of the check, a XXXX day access hold was placed on the majority of the funds. The bank branch deposited the check to the wrong account and made the correction the following day. That pushed my hold back another day. Because of the weekend, it is actually XXXX days. Bank 's mistake.. consumer get 's screwed, so my alternative is, move to another bank.
Bank of America allowed a credit card account to be opened back in 2004 using my son 's social security number. My son was only XXXX at the time and it has been open for 12 years now. Last week we went to our local Bank of America branch to open a checking account in his name and the personal banker informed us that his social security number was already being used on an existing Bank of America account. The personal banker said he would investigate and get back to us. We never heard anything back from Bank of America and had to call today in order to get more details. This is when we learned the account has been opened for 12 years and it was still active. Beyond this they have offered no additional help. How can they have done their Customer Due Diligence and Know Your Customer procedures when they allow an account to be opened with a child 's social security number? Furthermore, they have offered no additional assistance or details in getting this issue resolved.
On XX/XX/2018 I called Diversified Consultants to ask about a debt they claimed I was responsible for. I never received any notice about this bill the only knowledge I have is on my XXXX and XXXX report. I called to ask if I were to pay a debt they claimed is mine can it be deleted off all reports. The lady XXXX told me no. She did not even offer me a reference number. The next day I called again and spoke to XXXX XXXX. He said he did not have any record of my previous call. This is not fair for me as a person to have a collection on my credit reports and did not receive a bill.
We closed on the sale of our home in XXXX TX on XX/XX/XXXX with XXXX XXXX ( phone # ( XXXX ) XXXX-XXXX XXXX XXXX. We were provided a pay-off amount of {$220000.00} by our mortgage company Freedom Mortgage ( phone # XXXX ). XXXX XXXX wired the money requested to Freedom Mortgage on XX/XX/XXXX.

On XX/XX/XXXX, XXXX XXXX received notification from Freedom Mortgage that there was an additional {$2300.00} due as Freedom had never deposited the {$220000.00} check that they had said was due at closing. I am being charged interest through XX/XX/XXXX as well as accrued interest, escrow advanced funds and additional fees. 

I believe that holding this money for almost a month and never contacting me or XXXX XXXX should be illegal as they are basically scamming everyone involved. Freedom had notified XXXX that the check had been deposited despite the fact that it was still sitting on someone's desk.
This complaint is in relation to my Capital One credit card. The payment due dates are always the first day of each month. On XX/XX/XXXX, I made my payment at approximately XXXX or XXXX XXXX, Central Time, where I reside. When I made that payment, the recording told me that my payment would post on XX/XX/XXXX, rendering it one day late. I understood that there was a late payment charge if I made the payment after XX/XX/XXXX. I immediately called customer service and they told me that I may not be charged a late fee and to wait for a billing cycle. Customer service indicated that they would reverse the late fee if it appeared on my statement because the payment was made on XX/XX/XXXX in a timely manner.
I received my XX/XX/XXXX statement and the statement included a {$25.00} late fee. I called customer service three times and they declined to reverse the late fee. They indicated that the payment was received after XXXX XXXX Eastern Time. Their cut off is XXXX XXXX Eastern Time. I told them that I reside in the Central Time Zone and in any event, the payment was made well in advance of XX/XX/XXXX. My statement reads " Electronic Payment Date XX/XX/XXXX '' and then posts for XX/XX/XXXX. I believe that this is a penalty and not a real fee to cover Capital One 's expenses.