WillisBack/dataset-financial-user-claim huggingface dataset:
The CFPB has advised me to submit a new grievance with regard to a previous complaint under case # XXXX. In accordance with CFPB guidelines presented to me, the Corporate Complaint Team at Santander Bank has failed to adequately state any appropriate action they have taken to resolve my concerns. Additionally, the response I received from the Corporate Complaint Manager, apparently assigned to resolve my concerns has not provided any legitimate explanation for the ENTIRE amount of funds that were withheld on my checking account. Moreover, after ( 3 ) attempts to directly address the less than satisfactory reasoning within the manager 's letter, I was only allowed to speak to a complaint advisor in place of the manager. However, the advisor had no access to my complaint letter, form or otherwise file. The advisor 's statement to me via phone was that she was " familiar '' with my complaint but she could not give me any detailed information as to what their offices do. I am left to contend, based on the response I received, that possibly my letter was not even read at all. Please be advised that I am very unsatisfied with this response from the complaint team. The letter I received is a " smoke and mirrors '', complacent approach to dismiss my complaint as meaningless. It is important to note that at the initial stage of this problem, customer support indicated that I had ( 5 ) holds on my account. These pre-authorization holds should not have occurred, but as they did, my funds were held in the amount of {$430.00} dollars. And while I have seen {$360.00} dollars of that amount returned, I have not seen the remaining balance. The complaint team refuses to take responsibility and would have the consumer totally fault the merchant. Yet, I draw your attention to the ( 3 ) attachments I have provided here that address this problem, which causes consumers problems nationally. In all, I am seeking due return on the balance of my funds and for the bank to show responsible diligence in forging way better customer satisfaction and resolve.
I have repeatedly submitted disputes on items on my credit report beginning back as far as XX/XX/2018 to XXXX, Equifax, XXXX  credit bureaus. Nothing has been removed as they only send back verified and nothing saying how they verified the accounts. I also have submitted police reports of fraudlent activities on the following accounts : XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX and others. I have not lived at the address associated with these accounts and I have documentation to prove this.
Pacific union financial was utterly incapable of providing a payoff letter and attempts to coerce you to refinance with them.
I purchased my property from HUD in XXXX with an FHA rehab loan through XXXX. After closing the loan I expected to receive a welcome package, mortgage statement with bill and address etc. However this never came. I tried to contact the bank to find out what was going on and they told me that the construction loan had not been released. I did not understand what this meant and tried to just begin making my payments on the loan. However, they would not accept my payment and told me that I was in foreclosure. I have tried repeatedly over the last few years to straighten this situation out but it is if I am invisible. The lender claims that none of this happened, then the loan got transferred to XXXX or XXXX. Same thing, they told me they had no idea what I was talking about, I was even told there was no record of my mortgage loan. So I continued living in the property and had a renter in the other unit. Now the loan has been transferred to Bank of America and they have set a foreclosure sale date on my home for XXXX XXXX. I have tried to get to the bottom of this situation. They began sending me mortgage statements a few months ago, after 9 years of nothing. What is interesting is that the mortgage statement claims that the contractual remaining term on this loan is 29 years and 9 months. ( paperwork attached ) That means they are claiming I took out this loan in XXXX XXXX, when the title indicates I bought the home in XXXX. 

Something very fishy is going on here. I am trying to get to the bottom of it. I want to try and fix this problem and fix this loan but I ca n't even get a straight answer about what has happened with this loan, the failure to release the construction loan, why there were no statements issued etc. Of course any efforts to try and get Bank of America to allow me to apply for programs to SAVE my home are met with fierce resistance or indifference. I have never had the opportunity to apply for any type of programs that would allow me to be reviewed for retention options based on my current financial circumstances. I was never offered mediation as required in the state of New Jersey. I was never offered Occupied Conveyance. I was never allowed to be considered for any home saving programs and I do n't know why any of this happened. I really need some answers.
I am a victim of identity theft and I have noticed that the following items are being reported and do not belong to me. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Issues : disclosure verification of debt + improper communication tactics. 
I spoke with XXXX, a contact center manager for this collection agency. I identified myself as the best contact person to communicate with on this matter. I clearly expressed my desire to pay this debt in full asap as long as the charges were valid. I gave them my mobile and work phone numbers. We hung up with the expectation that I would receive a verification of debt package by mail from them shortly. This would have given me an opportunity o review the validity of the charges. Till this day, I have not received this package. In the meantime, I found out they had been trying to contact my roommate ( despite our mutual agreement that I would be the sole point of contact for this matter ). 
Last but not least, their contact center representatives consistently try to engage in confrontations and arguments over the phone instead of focusing on duly resolving the matter. 
I am under the impression they are purposely trying to prevent me from reviewing these charges so that once the legal time-frame has passed, they will be able to threaten me with putting those unverified charges on my credit report. 
Please help!
As a sole proprietor of a small business, I signed up for a 0% interest promotional transfer deal with American Express.  The plan name I signed up for is "Blue Business Plus Credit Card" for the term 0% introductory APR on purchases and balance transfers for 15 months. On about XX/XX/XXXX, a balance transfer of $XXXX was transferred from my XXXX Credit Card account to  the new XXXX credit card account.  The Transfer fee was $XXXX.The balance transfer was never placed on the promotional plan, and I have been billed monthly interest with a minimum payment due amount. (See Statements for XXXX, XXXX, and XXXX).  I have repeatedly contacted XXXX to have this problem resolved.  I first contacted XXXX via phone after the XXXX, XXXX and XXXX statements were released to question the statement.  I have made repeated contacts via phone and chat since then regarding the still unresolved problem.They told me there was a system problem that caused the problem.  They were aware of it and my account would be fixed.I made $XXXX in payments in XXXX to cover the transfer fee and a little bit more.  Then, I received the XXXX Statement and the balances and interests were still incorrect.  I was told to do nothing and it would be fixed.  When it came time the bill was due, I called again, and they told me I needed to pay the minimum due, but the problem would be later fixed.  On XX/XX/XXXX, I paid the minimum due of $XXXX.  Now, the XXXX invoice continues to show the same problem.I contacted XXXX again today (XX/XX/XXXX) to complain that the problem has not yet been resolved.  They are unable to provide an ETA on a resolution claiming they are working on it.  It has been nearly 6 weeks and no resolution.This appears to be Bait and Switch.  And, this delay appears suspicious.  I say this specifically because they previously made a 'system error' claim on my personal XXXX account.  In that instance, I received notice that my APR was increasing because of bad credit.  My Credit Score is near perfect.  When I called to complain, they said it was a system problem.  They corrected that mistake within 2 weeks and included letters mailed to me indicating their mistake.During the problem identified in this complaint, XXXX has not mailed me any letter indicating there was a mistake they were working to resolve.  My chat log is the only thing I have as proof of what they have been telling me (in part since I also had phone calls on this matter).
In regards to a XXXX  small business card I have called to make sure was active. I was told the card could be used at XXXX XXXX, I went in for service and discriminated against. The video can be downloaded for free as a guest at this link - XXXX XXXX XXXX Futhermore the credit card company has provided false advertising in regards to the terms and use of the card.
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
On XX/XX/XXXX XXXX charged my credit card {$150.00} as a wire transfer which was not authorized. Capital one refuses to reverse these charges as a wire transfer when the purchase was a credit transaction. No signs posted or notified by XXXX that any transactions will be considered wire transfers. Now I am being charged monthly interest charges by capital one for this. Capital One offered to credit one months interest charge but I would continue to collect interest charges until the balance of my account is paid.
On XX/XX/XXXX, my wife sent me {$350.00} through XXXX from her XXXX XXXX account. Usually I get it a few seconds later but in this occasion nothing. The money came out of her account and the status shows sent. I wait a couple of hours and wrote to USAA and was told systems were down and it would post that day. Couple of hours later I see the payment is added the reversed out of my account. I speak to USAA again and told that they did not send the money back, it was pulled by XXXX and have my wife contact her bank. XXXX XXXX   confirms that the money was sent and received by USAA ; they did not pull back the money. I contacted USAA again and was first told that they cant do anything and they cant see the reason why it was reversed and it was probably an error or pulled from XXXX XXXX but then I told them her bank confirmed they did not reverse it, the USAA rep gave me another excuse saying they are experiencing system issues. That is how I know they are lying and now I dont have my {$350.00} in my account and it definitely isnt in my wifes. This is called stealing because it just disappeared. No notification or supposed knowledge from my bank on its whereabouts.
On XX/XX/2017, Chase bank proceeded to do a hard inquiry for promotional purposes without my consent. My credit file has been black for all promotional purposes. This has created a reduction in my credit score.
Years ago when my daughter was in college I took out a private student loan through my XXXX card. The account was first purchased by XXXX, then finally in the past few months purchased by Navient. My daughter who is gainfully employed advised me she did a Release of Responsibility. And sure enough the account was removed from my Credit report to the some of about {$7200.00}. Last month I received a letter to my house advising me my daughter was {$57.00} past due, so I called Navient informed then I am no longer on the account and it has been removed from my credit report but will make the payment for my daughter. 
They then proceeded to get rude and tell me I am not removed, when clearly it had ben off my Credit Report for months. This month XX/XX/2018 the Navient account was put back onto my credit report after the Release of Responsibility for the Cosigner me ( XXXX XXXX ), had been removed. My daughter XXXX XXXX contacted the company informing them they had made an error, no one could explain what had happened. NAVIENT then proceeded to inform my daughter she would once again need to submit the Release of Co-signer paperwork, along with school transcript, my paystub, and her employment info. We keep doing this and the company knows I should not be receiving mail, or have this info on my credit report, but once again I am in the same situation. The account should be off of my credit report effective immediately.
XXXX XXXX XXXX is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw XXXX. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but XXXX XXXX insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked XXXX if XXXX verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. XXXX violated my rights by opening an account without verifying my identety.
I would like to submit a complaint regarding Franklin Collection Services, located at XXXX, Mississippi XXXX, for reporting time-barred, obsolete unknown medical accounts ( # XXXX, XXXX, and XXXX ) on my XXXX credit report # XXXX and my XXXX credit report # XXXX. I have mailed Franklin Collection Services at least numerous letters during the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; requesting their company cease and desist collection activities and to validate the unknown, time-barred, obsolete medical accounts/debt they are reporting on my credit report ; in accordance with the federal Fair Debt Collection Practices Act, 15 USC & 1692g, Title VIII Debt Collection Practices and Louisiana and Mississippi collection laws. Franklin Collection Service has not ceased collection activities and has not validated the unknown medical accounts/ debt in the specific guidelines set forth in the letters per the Federal Debt Collection Practices. 



Moreover, I have repeatedly asked/requested via letters I mailed to Franklin Collection Services to produce a signed contract signed by me for these unknown medical account ( s ) /debt/services, and Franklin Collection Services has not produced a contract or any of the other requested information I asked this company for to validate these unknown medical accounts/debts. In addition, the unknown medical accounts/debt are time-barred in Franklin Collection Service home state, Mississippi. Per the debt collection laws in Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ). Clearly, not only is Franklin Collection Services violating Mississippi state debt collection laws by attempting to collect a time-barred debt/account ( s ) but the federal debt collection laws as well, per the Fair Debt Collection Practices Act at 15 USC 1692 et seq., and which states in relevant part : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, '' which includes " the false representation of the character ; or legal status of any debt, '' and " the threat to take any action that can not legally be taken, '' all of which are violations of state and federal debt collection laws, as well as fraud.
I do n't know what credit management, l p I have like  XXXX  or  XXXX  charges in collections from them. I do n't remember dealing with a company like that please help me.
I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX and XXXX and CAPITAL ONE BANK USA N with no successful resolution. XXXX XXXX   and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late from XX/XX/XXXX to XX/XX/XXXX.
GC Collection services calls me about XXXX times each day. According to the online research I 've done, they harass even people who have no outstanding debt. This is exactly the case with me : I have no late payments, and have never had. I want this bullying to stop : internet is full of stories of their harassment victims. Feel free to contact me : XXXX. My name is XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX Phone : XXXX, eMail : XXXXXXXXXXXX Date : XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I have approached Credit Reporting Agencies multiple times to correct the erroneously entered data such as delinquent, default, charged off, collection account etc. from my Credit file with them. Credit Reporting Agencies are refusing to remove the incorrect data from my Credit File. Credit Report reflects serious delinquency, and hence, my credit rating is severely damaged, affecting availability of credit from Financial Institutions. 

Therefore, I request your intervention to rectify the situation at your earliest convenience. 

Thank you Yours sincerely XXXX
On XXXX/XXXX/XXXX, I purchased a used XXXX XXXX, from XXXX XXXX. The total price was {$32000.00}. Wells Fargo Bank picked up the loan for XXXX payments of {$670.00}. It was later switched to Wells Fargo Dealer Services. I have made XXXX payments for a total in excess of {$49000.00}, all the while receiving XXXX upon XXXX of harassing phone calls at all hours of the day, to every number I 've provided to Wells Fargo. I am charged at least an extra {$10.00} processing fee, for every payment. When I called today, to schedule the last payment, for Thursday XXXX XXXX, I was told that if I did n't make the payment by tomorrow, XXXX/XXXX/XXXX, I would have to surrender the vehicle. I do not get paid until the XXXX.
I received a statement from Credit Service Company Inc. ( The Accounts Receivable Professions ) listed at XXXX. XXXX XXXX, XXXX  XXXX, CO XXXX marked XX/XX/2018. They stated I owe {$1000.00} for a Hospital Visit. I have record that all bills have a XXXX  balance from any time I was hospitalized in the past.
Foreclosing during the appeal period. As well as refusing to review with change of circumstances of the wife not returning to work.
My husband and I have started looking into a home mortgage and we discovered that I had a few unknown items/errors on my credit report. For this complaint the credit card closed and charged off is showing from US BANK RMS CC located at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX. This account shows as closed on XXXX/XXXX/2013. The balance showing owed/charged off is {$2700.00}. I have no knowledge or ownership of a credit card account from US BANK bank.
XX/XX/XXXX, I checked my credit card transactions for my Barclays Card on-line and saw a charge that I had not made. I contacted the credit card company and told them I thought I was the victim of fraud and they agreed to remove the charge and investigate it. When I got my statement a few weeks later, I saw another fraudulent charge. I called again to report it and they agreed to cancel my card. I complained that the second fraudulent charge could have been prevented if they had responded to my first complaint and cancelled my card then. I then asked if they had experienced a security breach because I had not lost my card and it had not been stolen. They admitted that they had, but would not give me any details about the breach. They could not refer me to anyone who could give me that information and whether I was at risk of more identity theft. When I asked to complain to a supervisor I was put on hold for an extended period of time and finally had to hang up. The fraudulent charges on my account were very obviously fraudulent. They were for much larger amounts than I usually charge and made at stores far away. I believe that Barclays should have been able to identify the fraudulent charges themselves and should have made an effort to do so, particularly because they had experienced a security breach. I believe they had an obligation to let cardholders know about the breach so they could protect themselves from further identity theft. I was appalled that they seemed to feel no sense of responsibility and did not act proactively and to expose me to further identity theft rather than let me know there was a breach.
I have submitted several disiputes wiyh experian and have yet to be able to speak with anyone about false inaccuracies they are reporting. I have been unable to reach anyone as well
This person XXXX from Warner asset legal department services kept calling me and my husband. I didnt even gave my husbands number and doesnt know anything about this debt company calling us.