WillisBack/dataset-financial-user-claim huggingface dataset:
Last XX/XX/XXXX I submitted a complaint : XXXX I was unsuccessful in my disputes with the credit bureaus to update my account with the payments I was making to the account. In XX/XX/XXXX, I  contacted the company to accept their offer to settle the account and update my credit report. 

On XX/XX/XXXX I sent the following letter to Santander Consumer USA. 

I recently obtained a copy of my credit report from your agency and found the following items to be in error : Condition : Derogatory Status : Collection/ Charge off Remarks : Charged off as bad debt / Profit and Loss write-off Balance : {$1100.00} Please be advised that on XX/XX/XXXX, Santander Consumer USA extended an offer to waive the remaining balance on the account and report the account as Paid/Closed, was a Charge Off. I declined the offer at the time. My goal was to make the regular installment payments to pay off the full balance and have those payments reported on my credit report. 

The offer stated that if I wanted to accept the offer I could call at any time. I did contact Santander in XX/XX/XXXX to inquire about this. After some time they did find the offer and stated your company would follow through with the original offer from XX/XX/XXXX. 

However, I received a Settled in Full agreement letter which was not the agreement we had. Settled in Full is different than Paid/Closed as was agreed in the offer. I request that the following changes be updated to all reported credit bureaus : Condition : Closed Status : Paid Remarks : Was a charge off Balance : {$0.00} As of today I was notified by XXXX of an update on my credit report. However, again, Santander did not follow through with what they had promised. The account condition is listed as 'derogatory ' instead of 'closed '. The status lists 'Collection / Charge-Off ', balance : '0 ' ( correct ) and the remarks were updated to : 'Payment after charge off/collection|Paid profit and loss ' instead of 'Was a charge off ' as they had promised in their response to the original complaint.
Over a year ago, Allied Collections started collecting on an account it said was owed to XXXX, in the amount of about {$470.00}. Around XXXX XXXX, I noticed they had reported it to various consumer credit reporting agencies, like XXXX. That month, I settled the account with Allied, on the condition that they request deletion of their tradeline from any credit bureau it had been reported to. I was told by the collection agent that Allied would be requesting deletion of their information from the credit bureaus. However, they did not do this, despite promises otherwise. I followed back up with Allied and they said they would take care of it and ensure their tradeline was deleted. Worse, when I disputed the information to EXXXX, Allied *confirmed* it was supposed to remain reporting to my credit history. As of XXXX XXXX, XXXX - almost a year after payment - the account remains.
THE STATEMENTS WERE MAILED TO MY ADDRESS INSTEAD OF MY XXXX XXXX XXXX XXXX. THERE IS NO MAIL DELIVERY TO MY ADDRESS OR ANY IN THE TOWN OF XXXX, ONLY XXXX XXXX XXXX. I DID NOT GET THE STATEMENTS AND, THEREFORE COULD NOT PAY THE BILL. I WAS NEVER LATE ANY OTHER TIME.
i am here as a student from XXXX, applied for a credit card to bank of america, i got approved credit card for XXXX , then later my wife came from XXXX, we had a XXXX baby here, my car was stolen in XXXX filed police file, and faced extreme financial hardship due to this again i have sent my wife to XXXX with baby. that time i was unemployed. but i got job now am a XXXX in XXXX. my credit card was closed bank of america is about to collect money through third party. then i started paying minimum balance is around 700 $ and i told them i will make clear this payment once i have monthly pay salary as check. here the problem is bank of america and XXXX making me face more troubles here in USA.i am not getting any credit cards from any banks due to these issues.every one have financial hardship in their life, we believe in XXXX, we trust in XXXX, but here people are not believing human beings.
I received a voice mail on my answering machine from a Linebarger, Goggan, Blair and Sampson Law Office pertaining to a past due debt I had for a parking ticket in XXXX. When I wrote down the reference number I accidently transposed XXXX of the numbers ; however when I called the XXXX number, I typed in the reference number and without asking for any additional verification the automated system proceeded to tell me another client 's personal information. The reference number I typed in was XXXX instead of XXXX ( this is my number ). I just thought someone should be aware because I do n't want anyone knowing my information if the number was typed in accidently by another client.
Citibank in violation of my individual ( rights ) due process in banking and incorrect banking practices, unprofessional, and rude/discourteous client services.
I am an XXXX XXXX service member with SCRA benefits. I have an auto loan through XXXX Bank and I have been late on the account 2 times since I have had the car and XXXX times the account was late XXXX3 days and the most recent XXXX I tried to call in and pay on the XXXX with a due date of XXXX and he told me to call back the following week to avoid a fee so I did that and then they reported it late after being told they would not. I got the car before I went on XXXX XXXX and I should be getting charged late fees plus nothing should be going on my credit while I am trying to serve our country. I should not have to be dealing with things like this in my current situation. This is why there is SCRA protection. I would like the late payments removed from my account immediately
Closed a Bank of America credit card on XXXX/XXXX/15. Bank allowed a charge to be placed on a closed credit card on XXXX/XXXX/15. I can not believe that this is legal or allowed.
Around  XXXX     2016  , Commonwealth Financial Systems began r eporting a collection for  XXXX   XXXX   XXXX  for {$680.00}. I believe this was regarding an emergency room visit several years ago.     I do not have any debt to  XXXX   XXXX   XXXX  since my medical insurance covers ER visits. I feel this is probably a moot point anyway sin ce Commonwealth Financial appar ently is not licensed to collect debt in Florida. When I looked up their Florida consumer collection agency license, it stated in capital letters " REVOKED/VOID. '' I have disputed their information to  XXXX  twice and in both insta nces Commonwealth re plied the debt was " accurate, '' although without explanation as to how this was determined. And I 'm not sure how their able to report information to  XXXX  without a valid Florida license.
Hello, I recently discovered that there was information that was pertaining to my personal information reported by XXXX. The information was showing that I had previous account open with XXXXXXXX XXXX and also XXXX XXXXXXXX XXXX which I never did. I had disputed the information with XXXX. Once I received a final letter from XXXX they mention that I will need to contact the bank directly to get it resolved. I called XXXX XXXX at ( XXXX ) XXXX which was provided to me from XXXX. I called them and spoke with fraud department. They were not able to find any information about me at all. I also contacted XXXX XXXX  XXXX as well and got the same information. I recently got off the phone again with XXXX and they said they will need to file another dispute. based off the conversation they can't do anything about until they hear back from the creditors. I am not sure what else to do how to get this false information remove so I decided to reach out to you for further help on clearing this information with XXXX.
Over the course of the last few months I have been working with a housing counselor to modify my mortgage with Sun trust. Since then my loan modification has never been properly processed by the lender. Every time I try to submit documentation in a timely manner the process gets held up or is not reviewed within an ample time frame. I continue to call for updates to the file to no avail. Sometimes the excuse is that the proper forms were not submitted so again I review and send in whatever documentation they are requiring. After many attempts both by myself and with a housing counseling professional these issues continue to happen and the file gets either pushed back or denied due to issues of delivery. Sometimes they claim the file must be submitted either by pdf. format or by only XXXX pages total through the Suntrust loss mitigation email portal. I have tried every which way to submit accurate information in a timely manner only to hit a wall with the processing department and their lack of getting back to me in a way that can resolve the issues I 'm having. The forms I have submitted are accurate XXXX forms all pages and a third party authorizations as well were submitted. I have been dealing with the same problem for a very long time and I want to get some external help in resolving such detrimental issues. In addition to these setbacks the mortgage company also has changed the point of contact like XXXX to XXXX times over the course of the loss mitigation process. Also they been reluctant in the past to give me a better rate and term on the loan. The escrows have always been included in the payments and the overall values of the property have fluctuated immensely over the last couple of years yielding inaccurate information on property value. I have tried numerous times with failed attempts to try and resolve these issues with Suntrust bank. The interest rate has always stayed the same interest only and they have never tried to put me into a more fixed conventional loan that can get me into a better loan.
I need the automated messages to stop calling me. It 's just a robot telling me to call them back whenever I answer the phone. 

I have no reason to take this seriously. Please remove me from your call-lists. 

I do not have an account with you. I do not owe you a debt. I am politely asking you to stop all calls immediently.
Sent them a letter asking for verification and legal validation of this on XXXX. They have ignored me.
During the last month or so the credit card company, Capital One, changed its website access method to include a form of secondary confirmation ( which is normally a good thing ), however the only method they offer for the confirmation is the use of a U.S. based cell phone number. I am with the XXXX XXXX, currently stationed in XXXX, so I use a XXXX cell phone. Capital One has no means to associate my XXXX cell phone with my account, and their website access now appears to be limited to those with a U.S. cell phone number. I am now blocked from accessing their website, which means I am blocked from normal functions of card services but I also am denied access to the Capital One rewards program and my money market account. I have been a customer of Capital One for 20 years and I have never had this issue as before they could send a code to the email on my account to confirm my identity. I have called Capital One several times and only received apologies and acknowledgment of the issue since they changed their operating system. The only solution they offered was to have me call them if I needed my balance or to maintain a U.S. cell phone number for purposes of Capital One account verification. I was hoping to use some of my Capital One rewards over the holidays and was planning on moving {$10000.00} from my Capital One money market account but apparently Im held hostage to this credit card now until I am stationed in the U.S. again. This is shocking to me as I have never had this problem before when accessing my various accounts all over the world during my military career. Even my banks offer verification by email. Capital One phone representatives ( including " supervisors '' ) seem to view this as a mere inconvenience to me but I have no way to unblock my account until I return to the U.S. and get a U.S cell number. This issue came about when Capital One sent me an email about an international charge, and it was a charge I did not recognize. Apparently they are comfortable communicating with me about potential fraudulent charges using the email they have on file for me, but they will not allow me to use that same email to confirm that I am the account holder.
My deceased mother continue to recieve mail and correspondence From CitiMortgage , Inc in regards to an alleged Mortgage : Please se CFPB Case # XXXX XXXX, XXXX & XXXX.
On XX/XX/2017 at XXXX XXXX with Weinberg Mediation group left a threating voice mail message with a false case number and threat to sue me.
Re Loan from Citi Financial I am trying to get a reversal of my loan terms date which was changed from 15 years maturity of XXXX to 30 years without authorization or documentation. On XX/XX/XXXX, I asked for a decrease in my interest rate and was given an extension of my loan terms date to reduce payment amount which I never saw or signed. Please see supportive document uploaded.. 

I did not find out about the extension until a telephone customer service told me the terms years later. The loan has been sold several times and is now with XXXX XXXX XXXX. 

I realized that I was wrongfully harmed by this loan, and sought legal actions through 2 attorney. ( See attached documents ) My attorney did not fight for me in this process after being paid. Only a letter was sent and no rebuttal to CitiFinancial 's refusal to change the terms. Note, I had a previous attorney who only sent a letter but got no response from CitiFinacial. I was not aware of a Federal office for filing a complaint. 

The terms offered by Citi in XXXX stated was not in my favor because it contained a stipulation where I could even miss one payment. 

I am seeking to reverse the terms of this loan and recoup the damages that were done me. I would like a settlement of the loan terms with adjustments of interest back to the 15 year term. I would like damages paid for all loses I would like to know if the statue of limitations is still in effect for filing an individual suit if this is necessary. 

Is there a Statue of Limitations to file a Class Action suit to benefit others who might have been wronged. If so, what is the Statue of Limitations for the class. 

I would also like to know if I can currently sell my house and still file a legal action and seek recovery of losses. 

Thank you for your attention. Please email me at XXXX. 
This is my work email as I am also an owner in this company. My phone number is Work : XXXX and mobile is XXXX. 

Respectfully, XXXX XXXX XXXX
Acct has XXXX $ balance please delete from my XXXX and Experian credit reports! You cant collect from a {$0.00} balance
Fay servicing is the new servicer. These actions have been ongoing for 10 years, since inception in XXXX. I have pled with my governmental agencies to investigate this since. 
My mother, and my mothers late husband were victims of predatory loan practices in Massachusetts. No one has done much of anything. I know have irrefutable proof of my allegations of fraud, forgery, federal and state mortgage laws, wire fraud, the list is endless. Fay servicing is now sending me 90 day right to cure, and a letter stating on whos behalf they are trying to close, in where they have no standing. ( the note was sold once again, on XXXX/XXXX/XXXX ) to XXXX XXXX XXXX, XXXX XXXX XXXX. Fay did not list them as the lender they represent. This sham needs to come to an end, as I have invested countless hours investigating this, and it is riddled with corruption, crime, and immorality of preying on the weak and disabled of this country, and I am imploring to you, help me stop this
My loan service provider, XXXX XXXX XXXX, conducted a review of my qualifying payments for the student loan forgiveness program and only credited me for three ( 3 ) payments made while I was employed at XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ( see enclosure ). I believe I made at least 36-45 additional payments in the monthly amount close to $ 330.00- {$340.00}. 

My loan service provider, XXXX XXXX XXXX, conducted a review of my qualifying payments for the student loan forgiveness program and only credited me for three ( 3 ) payments made while I was employed at XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ( see enclosure ). I believe I made at least 36-45 additional payments in the monthly amount close to $ 330.00- {$340.00}. 

I have tax statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that show I paid student loan interest. 

Sometime in XX/XX/XXXX, my loans were transferred from XXXX XXXX XXXX to XXXX  XXXX XXXX. I am at a loss as to why the loan information would not transfer over including information on how much of my loan I already have paid off. Meanwhile XXXX XXXX tells me that I am listed as forbearance the following periods : ( XX/XX/XXXX - XX/XX/XXXX ) I was paying on loan while employed at XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) I was paying on loan while employed at XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) I was paying on loan while employed at XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) I was paying on loan while employed at XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) I was paying on loan while employed at XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) I was unemployed and can verify only this period as forbearance. 

I have asked that XXXX XXXX XXXX review my payments. 

We can send you a statement of account since we began servicing your loans. Unfortunately, we can't provide your account history before your loans transferred to us. Please contact your previous servicer for further information. See email attachment XXXX. XXXX XXXX XXXX has closed and can not be contacted. Why was this pertinent information not transferred about my prior payments? 

This is unacceptable. Who is to protect me from fraud? I am currently working with my past financial institution ( XXXX ) to pull statements of all my payments to XXXX XXXX XXXX. 

My load provider 's lack of information and records could cost me tens of thousands of dollars. I have remained working in public service so that I could qualify for the SLFP. I am so close to getting through my ten years of payments. The finish line is in site, and now to receive information that I have made less than half of the 125 payments is debilitating.
victim on credit inquiry and negative information reported on credit report.. I called the credit companies filed complains with them not solved i have negative information on my credit report from XXXX that was reported a payment was sent then returned back into my account because the bank could not match info when i checked i found out later with out notice that payment was sent back. account is settled and paid for XXXX XXXX is still reported negative info on my credit file .. Inquiries on my credit report from XXXX XXXX recently they requested my file on XXXX XXXX XXXX which resulted in a hard inquiry and from XXXX inquiry when i called i found it was from an auto loan place on XXXX XXXX XXXX inquiry. XXXX XXXX which i never authorized a copy of my report which results in a the inquires and negative info report on all XXXX bureas and this is really hurting me.
My wife and I purchased a XXXX XXXX XXXX from XXXX XXXX in XX/XX/XXXX, at some point after signing the documents the financing of the vehicle was turned over to XXXX XXXX, in early XXXX, XXXX XXXX reported a payment as more than 30 days late despite the problem being their fault. Specifically, my wife paid the bills through her account including the car note. My name appears first on the paperwork, but also includes my wife nevertheless, one payment was processed by XXXX XXXX in my name, but through my wife 's account at XXXX XXXX XXXX, where I do not bank. The payment came back stating that the account could not be located. When my wife received the email from XXXX XXXX, I called them immediately about the issue. During the phone call the CSR stated that they had processed it in my name, and stated that despite this being their fault, it was going to show up on our credit report. Thus, I contacted the bureau to dispute the accuracy of the account. The Bureaus, reported it as disputed but did not include my personal statement, and did not contact my wife and I about the results of our dispute. We were coming out of Bankruptcy and trying to buy a home through HUD 's " XXXX XXXX XXXX XXXX '', this was a barrier that could not be overcome. We tried to get a pay-off from XXXX XXXX, but they refused to provide us with a pay-off. We went to the dealership to get rid of the car and was told they would get the pay-off. We ended up purchasing a XXXX XXXX XXXX, putting down {$10000.00}, which changed to {$16000.00}. Because of air quality problems with the car we did n't want to take possession of the car until we moved into our new home the dealership and us agreed to allow this and we insured both vehicles, since the papers were signed and down payment was paid by cashier 's check, we thought the deal was fully consummated receiving our account number with the new bank XXXX XXXX, and speaking with them several times. We still do n't know exactly what is going on, but XXXX XXXX filed suit with our XXXX XXXX in Pennsylvania. But even prior to the suit we paid the account current to avoid any problems with the deal for the new car. We were forced to file bankruptcy as we did n't know what was going on and money was running low. So we contacted the attorney for XXXX XXXX about the payments and the dealership and XXXX XXXX. The lawyer told us that she was no longer on the case and that we should contact XXXX XXXX directly. We contacted both XXXX XXXX and XXXX XXXX. XXXX XXXX either blocked us from calling or changed their number, while XXXX XXXX keeps saying that our account is handled by someone else the number given no one ever answers. Despite all of this they keep reporting our account as delinquent not acknowledging our payment, although they have accepted it. They have not returned the payment either. When my credit scored dropped is essentially put my XXXX XXXX on hold and we stand to be homeless in a matter of 5 days.
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by AMEX on or about XX/XX/XXXX on XXXX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. AMEX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.