WillisBack/dataset-financial-user-claim huggingface dataset:
In  two pre vious complaints, Santanderconsumerusa has refused to cooperate with the CFPB investigation. They have issued statement, purportedly in response, that blatantly and illegally defy the authority of the CFPB and the government of the United States of America by making nonsensical, false and irrelevant statements regarding the account in question instead of responding as required by law.
I FILED DISPUTES AGAINST XXXX AND OTHER INCORRECT INFORMATION ON MY EXPERIAN CREDIT REPORT. EXPERIAN TOOK THE DISPUTES, INDICATED AND/OR CORRECTED THE DISPUTES, REPAIRED MY CREDIT SCORE ... ... EXCEPT FOR THE XXXX ISSUE ; THEY STILL SHOW XXXX 'S COMPLAINT BUT DID N'T SHOW OR DISPLAY MY COMPLAINT AGAINST XXXX. I HAVE NO OTHER DEROGATORY ISSUES OR ANYTHING THAT WOULD LOWER MY CREDIT SCORE WHICH IS STUCK AT XXXX. WHY WO N'T EXPERIAN SHOW MY COMPLAINT ON MY CREDIT REPORT OR SHOW THAT IT 'S BEING DISPUTED. THIS WOULD EXPLAIN TO EVERYONE THE DEROGATORIES FROM XXXX ON MY CREDIT REPORT. I OFFERED TO NEGOTIATE THE AMOUNT WITH XXXX BUT TO NO AVAIL. I FILED A COMPLAINT OF FRAUD AGAINST XXXX WITH THE CFPB. ALL MY COMMUNICATION WITH XXXX AND EXPERIAN HAS BEEN ONLINE SO I DONT HAVE ANY DOCUMENTS ONLY COPY OF MY CREDIT REPORT ... .I AUTHORIZE YOU TO PULL IT FOR YOUR REVIEW IF YOU NEED TO DO SO ...
I borrowed XXXX from Big Picture Loans ( XXXX ). I initially thought I 'd be making a monthly payment to pay it off. Then I realized I 'm being charged {$700.00} a month for this loan and my pay off date is n't even until XXXX. I am expected to pay over 8000 on a XXXX loan. This is outrages and I have no way of paying this. Then when I went to " my account '' or whatever the page is supposed to be, it shows my pay off amount as {$0.00}. And it shows my application date as being today, XX/XX/XXXX, when I initially applied in XXXX. I 've paid {$1000.00} so far and am expected to pay {$700.00} more dollars this month alone. This whole thing is incredibly wrong and I ca n't believe I am involved in such a situation. I hope these thieves are stopped ASAP! Please Help!
i have continued to write XXXX XXXX XXXX XXXX XXXX and Convergent Outsourcing Inc., requesting that they verify the alleged debt. As of this date they have continued to contact me at work and home at all times of the night demanding that A paid this debt. I have never had an account with XXXX XXXX. After repeated communication to these agency 's they continue to make threats. I am filing this complaint to request the Consumer Financial Protection help in resolving this matter. I received a phone call from one of Convergent agents, telling me that they are going to report me to the XXXX were I am employed.
My account was sent to collections regarding an account that covered my checking account in the event I had insufficient funds. Currently I would like to agree on a settlement. 

I have had terrible luck in communicating with any representative to settle this collection issue.
I am seriously concerned about my accounts with Citi Bank. Since  XXXX    XXXX   I have been receiving numerous letters advising of my credit limit not being approved for a credit line increase. These letters referenced my Citi  Advantage  #  XXXX  and  Citi Preferred  #  XXXX  accounts.   I am even more concerned that this is likely due to potential fraud.
hi I was unable to understand how this could be a true relivance in my life at the moment never could anything llike this could be so relivent I paid the entire balliance off and surpassed the time frame in which I would be an individual whome could of been burdend by any suspicion im un aware of the way this came about.
My small business account at Chase was compromised. XXXX ACH debits came out of my account. They all went to the same bank account number with different names. After a month or so working with chase fraud department and local representatives I was assured this would be handled. Finally I received a letter stating that they determined there was nothing they could do. I have copied and pasted the contents of the letter below. I reached out to the other bank and they told me I needed to work with Chase. 

XX/XX/2015Please contact the business that initiated the transaction ( s ) you reported to usClaim number : XXXX XXXX XXXX XXXX XXXX, We 've completed our research on the transaction ( s ) you reported to us on XXXX/XXXX/2015 and determined that it 's abusiness-to-business electronic payment. As a result, we ca n't remove the transaction ( s ) from your account*. 
Please contact the business that initiated the transaction ( s ) to resolve this matter.
Navient is incorrectly reporting loan lates. Forbearance/Deferrements were granted in the past, and on my credit reports, I am noticing late payments cited on the following months : XXXX - 90 days late ( Under Forbearance, no payment made, no prior lates noted and suddenly a 90 day late mark, loan was with XXXX XXXX ) XXXX - 120 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting, loan was with XXXX XXXX ) XXXX - 120 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting, loan was with XXXX XXXX ) XXXX - 120 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting, loan was with XXXX XXXX ) XXXX - XXXX - ( No reporting whatsoever, inaccurate reporting ) XXXX - 90 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting ) XXXX - 90 days late ( Under Forebearance, note, no payment made, in forbearance status, no prior lates reported, inaccurate reporting ) XXXX - 120 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 150 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 180 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 180 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 180 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - XXXX - No loans reported at all XXXX - 90 days late, In Loan Rehab - Inaccurate reporting XXXX - 120 days late, in loan rehab, inaccurate reporting XXXX - 150 days late, in loan rehab, inaccurate reporting XXXX - 180 days late, in loan rehab, inaccurate reporting XXXX - XXXX - Accurately reporting in rehab status XXXX - Present, no loan reporting, current in deferrment, enrolled in school, starting XXXX. Also, inaccurate reporting. 

Due to these countless inaccuracies, I have formally requested in writing from Navient to remove these late marks, and correct these marks that are causing me financial harm. I requested them to initially correct these errors, and was told they had not made any mistakes, and that the FCRA act denies them the ability to make these changes. This is factually incorrect, on multiple levels. 

Please assist me in recovery of the damage this has caused my creditworthiness.
After filing a dispute with Experian for erroneously reporting XXXX dismissed bankruptcies, they refused to delete them. The bankruptcy court does not verify or report to the credit bureaus. Sending someone to the courthouse to check public records or using an Internet service such as XXXX is not a legal validation for credit reporting and violates my rights under the FCRA. Experian can not provide my signature and legal validation of these bankruptcies. Additionally, my Experian credit report now shows a comment added on XXXX mortgage account ( XXXX XXXX ) that states, " Chapter XXXX Bankruptcy Dismissed on XX/XX/2016 '' which is completely FALSE and INACCURATE information, another violation of my rights under the FCRA. I request these bankruptcies and derogatory, false comments be deleted from my credit report.
I opened a One Deposit Checking account online with Citizen Bank ( XXXX. XXXX XXXX XXXX XXXX, RI XXXX ) in XX/XX/XXXX, been doing all my transactions online or using debit card in XXXX XXXX, NY that I reside, received emails from Citizen Bank and downloaded my paperless statements. 
On XXXX/XXXX/XXXX I received a letter dated XXXX/XXXX/XXXX from bank indicating my account is overdrawn {$120.00} urging me to make a deposit. I downloaded my latest XXXX/XXXX/XXXX statement, it show that my account was overdrawn {$2.00} on XXXX/XXXX/XXXX, bank charged {$35.00} overdraft fee on XXXX/XXXX/XXXX, then a {$30.00} sustained overdraft on XXXX/XXXX/XXXX, another {$30.00} sustained overdraft fee on XXXX/XXXX/XXXX and a third {$30.00} overdraft fee as was implied in XXXX/XXXX/XXXX letter or charging me {$120.00} for overdrafts between XXXX/XXXX/XXXX to XXXX/XXXX/XXXX without letting me know by phone or email that my account was overdrawn $ XXXX.I called the number on the letter and was told that bank had sent me another letter on XXXX/XXXX/XXXX, when asked why not a phone or email message, I was told bank sent the letter. All my other banks alert quickly such matters, later on XXXX/XXXX/XXXX I received an automated message from Citizen Bank urging me to call them, this imply that besides my email they did have my phone number.I did and told them that I already talked to their rep. 
Citizen Bank had my phone and email on file, made no attempt to inform me of the {$2.00} overdrawn amount and charged me {$120.00} overdraft fees, when I called them on XXXX/XXXX/XXXX I was also told that my account is eligible for one time overdraft so the initial {$35.00} fee no longer apply and I just have to XXXX {$90.00} for three times {$30.00} sustained overdrafts. This also imply that if the bank had informed me of the {$2.00} overdraft right away, I did not have to pay any overdraft fine, but the bank did not call or email and kept charging {$30.00} fine over and over, I only have their word that a letter was issued on XXXX/XXXX/XXXX. The only letter I received is dated XXXX/XXXX/XXXX and arrived on XXXX/XXXX/XXXX.
I contacted Best Buy Credit regarding a Hard Inquiry placed on my XXXX report dated XX/XX/2015. Best Buy Credit has no account or a record of application. Best Buy Credit refuses to submit a removal or resolve the situation with XXXX.
I submitted my Department of Defense paperwork [ XXXX ] to be reviewed and forwarded so I can be repaid for my student loans on XX/XX/2018. After two weeks I called to ensure my paperwork was processed as normal. I was told my paperwork was lost and had not been touched since uploading it to their website. They reassured me that they would complete the work needing to be done and it would be resolved within a few days. I called approximately one time over the next 4 weeks only to be told nothing has been done with my government papers each time. My last phone interaction was XX/XX/2018 and I was told nothing has changed. For the last several years XXXX has processed my government paperwork within a few days. With every week that goes without them submitting my paperwork to the DoD, I am not getting repaid for my loans - and I am unable to use one of my military benefits defined within my government contract.
Capital one has added numerous late payments to my account. I have called and requested to be put on a payment plan. I was advised by rep XXXX that I was then put on a plan in which they have no notation of. Poor record keeping. I also disputed the lates because my wallet was stolen in which Capital One was given the police report number. i was still never sent any new cards and late payments were are inaccurate were added to my account. I was lied to by Account Supervisor XXXX and also rep XXXX XXXX on XX/XX/XXXX at XXXX XXXX and again at XXXX XXXX. They advised that there was nothing they were able to do and they are not authorized to remove the late payments even though they acted without care. 

The late payments are as follows XX/XX/XXXX : XX/XX/XXXX & XX/XX/XXXX :  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I signed up for a feature to utilize if I become unemployed that my bill is still paid. After being out of work and on FMLA in XX/XX/XXXX and XX/XX/XXXX i received none of the features I signed up for. The representatives within Capital One are acting with negligent. I was also advised by a rep to violate my HIPPA rights and send in my FMLA doctors statement. Which I feel is a complete violation of privacy and against HIPPA laws. 

Also one of my cards has expired and I was never sent a new one for that card either.
At the end of XX/XX/XXXX I received an offer from XXXX XXXX to apply for a loan, which was then denied due to an outstanding collection I have. I was not aware that I had a collection in my credit report until this occurred. I have now learned that there is a collection against me from a loan I cosigned for years ago. 

When I look at my credit report I see in XX/XX/XXXX there were a few ( three I believe ) late payments from the owner of that cosigned account. Then after XX/XX/XXXX it  shows a {$0.00} balance and green check marks as if the account was then caught up and current. I also did not know that the payments had fallen behind that year, I never got any late payment notices and my credit score did n't change. The balance to that account showed {$0.00} in the last year. I thought the primary owner of the account had paid it off because there was no other information provided to me. 

Now there is a collection on this account. Only in XX/XX/XXXX did I receive notification of collections in writing, which is well after it has started to show up in my credit report as a negative impact. I tried to dispute this with the credit report agency, they ignored my complaint, and I also complained to this agency but since I did n't have any info on the collector nothing could be done. 

Now I have a letter from the collector, it is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX. Again, this is well after it has negatively impacted my credit when I was n't even aware that the debt still existed, and when I did discover in in XX/XX/XXXX I was given no means to catch up with any payments. Now it 's due all at once and I can not pay it as such. 

My credit history is perfect otherwise, I have never had a late payment registered anywhere since my credit history began. I never would have let this become a collections account if I knew about the issue. I think my own credit history ( not the cosigned account and collection ) is proof enough of that.
Three years ago, I was told by a car dealership that I had a freeze put on my Equifax account that I did not put on there. After calling multiple times trying to explain what was going on ( there was a definite language barrier as the people I spoke with had a deep accent and they had to ask me multiple times to spell my name and for my social security number ), they asked me to send in my information to the Georgia office to verify my identity. After doing that and a few months, I received a letter stating they could not read the copy of my drivers license or social security card and asked me to send another copy. I have sent that in again and I never heard anything for months now. I have not been able to apply for a car loan in this time. I need to verify my information in a timely manner and remove the freeze I never placed on my account.
Tried calling and was hung up on, then calling back and always on hold waiting. Capital one # XXXX XXXX I did not inquire for anything or anyone to Capital one. Hard inquiry on my credit report.
I have received multiple phone calls from someone who calls himself "  XXXX   XXXX  '' with " Direct Recovery Services '' at my place of work after  XXXX   XXXX  has been informed that I am not able to take collection calls while at work.
I had a fraudulent charge on my checking account and the bank will not do anything to reimburse me. Every person that I 've spoke to at the bank has agreed that I am owed the money back to my account. But, they do not know how to do it in their banking system. The amount of the transaction is {$67.00}. and it took place on XX/XX/XXXX. I attached a screen shot of the charge on my online account. Please note that XX/XX/XXXX, XXXX merged with BB & T and they are blaming the problem on the merger.
Unauthorized inquiry. On  XXXX   XXXX  I expressedly did not authorize a hard inquriy on my credit report to  XXXX   XXXX   XXXX   XXXX   XXXX , nonethless my report shows a hard inquiry which affects my score. This contradicts my command and the expressedly stated by the company representative " It is not a hard inquiry on your credit report ''.
XXXX XXXX  has been making harassing collection calls when payment is not due as of yet, due date is XX/XX/XXXX in the amount of XXXX. The account was under a hardship program prior and removed due to a returned payment in the amount of XXXX. This payment was scheduled to be drawn from a closed account which was not known to me, payments are currently scheduled to be drawn from my current account ending in XXXX. I was under the impression the payment would be drawn from this account as well, it was returned because the account drawn from was closed. I request calls stop and account added back on to hardship program.
XXXX    XXXX    XXXX , which was the foreclosing bank/collection agency continues to report negative information despite the fact that the date of last payment, which was made to  XXXX   XXXX  Loans, was made on  XXXX / XXXX / XXXX . They are attempting to reage by claiming a payment was made to them in  XXXX . Equifax did not investigate rather they merely put wrote this fact as a consumer statement on report rather than correcting the error and removing the negative, outdated and inaccurate information. I have spent 10 years trying to recover from losing my home and rebuilding my credit. Yet they are trying to report it for 14 years.  XXXX  has already been punished for this practice yet they continue their fraudulent practices.   XXXX  In addition,  XXXX  was not even the owner of record who had the right to foreclose but i doubt anyone cares about that
We ( my wife and I ) entered into a 2nd mortgage with a company called XXXX XXXX XXXX XXXX ( XXXX ) in the year XXXX. Since we did not consult a lawyer as we we did with our first mortgage ; we believed that the promissory note we signed was an adjustable rate, revolving line of credit due to mature in the year XXXX. The amount of the Loan was for {$31000.00}. What bothers us ( my wife and I ) ; is that we've never missed a payment ; and some months ' we paid more than the minimum payment and we owed around XX/XX/XXXX, {$2700.00}. We should have paid off this loan long before the maturity date. We never received a satisfactory letter ; instead we continue to see the balance owed to XXXX in XX/XX/XXXX increase and increase, for example the balance due was {$32000.00}. 

After doing some research we recently found out that XXXX was sued for millions of dollars for cheating their customers by not applying monthly payments properly ( example XXXX was packing un-necessary fees on the loans, placing multiple points totaling Thousands of dollars on top of double digit interest rates, adding fees on the back of the loan ), result ; one would never pay off their predatory loans. We never part-took in the spoils from this lawsuit. Instead we faithfully kept paying our monthly payments to this predatory company XXXX because our house which we paid off for ( 1st mortgage ) could go into foreclosure with the 2nd lender ( XXXX ) which claimed that we still owed on approximately {$21000.00} as recent as XX/XX/XXXX. 

We were bounced around in house between XXXX and XXXX who were acting as each other 's Servicer to the tune of hundreds of thousands of dollars. Now entered XXXX XXXX XXXX ( SPS ) ; claiming to be the new Servicer and to start sending monthly mortgage payments to them as  of XX/XX/XXXX. We ( my wife and I ) stopped making payments to-date ; enough is enough!, as we saw these payments as a life sentence with no end in sight. Now, SPS is sending us monthly mortgage statements telling to pay {$190.00} so that they can forebear from foreclosure. 

We stopped because we think we were and still is being de-frauded by these companies. We plan to sue SPS if they continue to harass us with telephone calls and their fraudulent statements. 

.
Retrieval master keeps calling me and I do n't have any credit cards or debt but they say I do.
I believe I am the victim of identity theft and was trying to improve my credit score. Everytime I try and view my score though annualcreditscore.com it tells me that my data is unavailable or something crazy even though I know I am giving the right social security number. Its also preventing me from getting a past XXXX.
UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
They are repeatedly calling and harassing my in laws. This is not acceptable. They leave threatening messages on their voice mail for me saying they are going to take action and sue they said the woman, Tired of not hearing from you and they said your " action or inaction " could have a major impact on the outcome of this case. 
Today, the name was XXXX XXXX
Sought medical service from XXXX XXXX, whose doctor prescribed medical prescription.The product was defective, XXXX XXXX was advised not to submit any further debits to my account and Suntrust was advised to block any such payments from XXXX XXXX. However, Suntrust allowed XXXX ( XXXX ) payments of {$160.00} to go thru contrary to my instructions to them. XXXX, XXXX and XXXX, 2014
This is a second complaint since my first complaint was not resolved even though it was closed. The complaint was XXXX Original Detail as follows : On XXXX XXXX I applied for a XXXX XXXX XXXX XXXX card from Bank of America. They pulled my credit twice on XXXX XXXX resulting in two credit inquiries. I only authorized one inquiry for the one account. XXXX XXXX needs a letter from Bank of America stating that only one credit inquiry should have been pulled. They have thus far refused my request for a letter of deletion to remove the duplicate inquiry from my account. 


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