WillisBack/dataset-financial-user-claim huggingface dataset:
Account was settled and closed from Santander Consumer. however, XXXX is refusing to remove it from my credit report nor Santander Consumer is unable to locate my account ... additionally, Santander Consumer lost to class action lawsuit and agree to remove any negative credit report from consumer who was effected.
I got a Chase XXXX in XX/XX/2018 with the understanding that I would receive XXXX points if I spent {$3000.00} in the first 3 months. I spent that amount in about a month by early XX/XX/XXXX. They changed their policy on XX/XX/XXXX to two free night awards if you spend {$3000.00} in first 3 months ( this is worth less ). They did not honor the agreement to give me XXXX points, instead giving me the new offer, despite the fact that I'd spent {$3000.00} before the new policy came into place and I got the card based on the original offer, not something they changed it to halfway through my 3 months. I felt this was dishonest and I canceled my card after discovering what they'd done. They claimed that wasn't the offer when I got the card ( some basic XXXX research and my own memory say otherwise ).
My account was closed without any warnings and heads up by Bank of America. I have accumulated over {$1000.00} worth of rewards and I suspect this is why they decided to close the account so they do n't have to pay out the rewards. 
I would not have discovered the account closure if I did not login to the website today and see that my account has been removed from Bank of America. No other accounts were removed, just this account with the highest rewards balance. 
Upon calling, I was informed the account has been closed due to " too many revolving balances ''. However I have been a customer with Bank of America for over 4 years and have NEVER missed a payment on ANY credit card account. As a matter of fact, I 've NEVER paid less than full balances on all my monthly payments. This is an absolute lie and an excuse for banks to avoid paying out on rewards. 
What 's most frustrating is I have another personal Bank of America account and they could have asked me if I wanted to close that account instead since it has no rewards, yet they simply closed this account without my consent. 
They refuse to reopen the account without doing another credit pull and will not guarantee successful reopening of such.
Im disputing my new account balance of {$930.00} with XXXX XXXX. Per the original purchase agreement our balance was {$1500.00} as of XX/XX/XXXX and weve paid a total of {$1500.00} as of XX/XX/XXXX. Weve consistently paid almost 4 times the minimum monthly payment of $ XXXX- {$27.00} since the original purchase, so our account should have been considered as paid ahead and NEVER past due. To date it appears weve overpaid the original balance by {$150.00}! The payment we just sent on XX/XX/XXXX of {$140.00} was an OVERPAYMENT, as the account should have already been paid off with our XX/XX/XXXX payment. 

My husband XXXX XXXX has contacted your Customer Service, department 3 days in a row ( XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) to dispute our balance and each time your representatives have advised that our balance would be paid off if we pay the minimum amount due of {$27.00} by XX/XX/XXXX. Theyve advised they dont see our new balance of {$930.00}, when this balance is clearly showing in your system! Also, my husband has advised of our most recent payment on XX/XX/XXXX of {$140.00} and each time theyve advised they see no record of our payment, which shows as received on your own website on XX/XX/XXXX! What is the point of having Customer Service representatives if they cant so much as confirm our balance and payment history?
GM FINANCIAL IS SHOWING NUMEROUS LATE PAYMENTS ON ALL 3 OF MY CREDIT REPORTS WHICH IS INCORRECT. UNDER THE FAIR CREDIT REPORTING ACT, they are supposed to NOTIFY ME WHEN THEY ARE INSERTING NEGATIVE INFORMATION INTO MY REPORTS!
XXXX XXXX, 2016 I have trying to refinance my mortgage since last XXXX, 2016. The current mortgage is with Seturus. This company has not provided my mortgage history. The history has not been provided by Seturus to me or the new mortgage company. 
This writing is my formal complaint for Seterus. Their telephone number is XXXX. The mortgage is under XXXX. The address is XXXX, Louisiana XXXX. 
My telephone is XXXX. 
In advance, thank you for assisting me with this complaint. 
XXXX
Our mortgage loan was transferred from  XXXX  to a group called Bayview Loan Servicing , LLC back in  XXXX   XXXX . We are in process of attempting to refinance our home and there is a {$14000.00} amount  that Bayview Loan Servicing i s claiming as a  Deferred Amount. When we call Bayview the y claim that it is from a modification from  XXXX   XXXX ,  XXXX . We do not have any reco llection of doing any modification. When we try to speak with a supervisor with Bayview we get disconnected and have to start the process all other again. We have requested a payoff and we 'll bet you that we  wo n't get it.
Wells Fargo Educational Financial Services ( Servicer ) misapplied payments for XX/XX/2015. I have XXXX loans with the servicer and I make a single payment every month for the XXXX loans. The XX/XX/XXXX and XX/XX/XXXX payments were not applied to the principle balance of XXXX of the XXXX loans as prescribed by the loan amortization schedule. Additionally, upon inquiring with a CSR at the servicer, they were not able to explain the action and attributed it a broader processing integrity issue with their servicing platform ; They were not able to assure me that previous payments were processed accurately and I am concerned. 

Additionally, I paid of the loan as of XXXX/XXXX/15 as a result of refinancing the loan with another lender. However, on XXXX/XXXX/15, the servicer drew a payment from my XXXX XXXX XXXX checking account and applied the payment to the paid off loan. I am concerned that there are pervasive processing integrity issues with Wells Fargo 's student loan servicing platform and their ability to process payments completely and accurately. To aggravate the situation, Wells Fargo has a policy of terminating a borrowers access and deleting their on line profile upon loan pay off. As a result I am not able to access current and historic detailed payment information and statements, thus impeding my ability to at gather the information I need to determine if there are further inaccuracies with the way payments were applied. 

Finally, The servicer is dragging their feet with returning the over payment drawn from my bank account and applied to loan and now will not refund the payment timely.
Capital One Bank sold my account to XXXX XXXX XXXX, which refused to provided documents to provide accounting details on these accounts. 
XXXX XXXX XXXX has reported these accounts to my credit report and is causing great financial losses. 

It has been beyond the 30 days required by state and federal law that requires both companies, Capital One or XXXX XXXX XXXX have been able to provide document on how they have calculated the amount owe or what amount they sold my accounts for.
Equifax has not deleted two revolving accounts - 1 from XXXX and 1 from  XXXX XXXX - that are both closed and last activity was past 7 years. 

XXXX - Date Closed XX/XX/XXXX - Date of Last Payment XX/XX/XXXX XXXX  XXXX - Date Closed XX/XX/XXXX - Date of Last Payment XX/XX/XXXX Equifax also has inaccurate credit inquiries on my credit report that need to be removed. 

XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX
Equifax is in violation of the FCRA by not giving my case a fair investigation. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are all fradulent accounts. XXXX XXXX XXXX claims the account has an address in XXXX Virginia, that it was closed out with my wife 's maiden name on it 2 years after we were married, and has also claimed that they filled a XXXX with the IRS stating that it has been claimed as miscellaneous income and therefore the debt can not even be collected since it was declared as income. XXXX XXXX XXXX had a settlement agreement with me stating that the debt can never be collected upon as well as being fradulent and XXXX XXXX has never provided me with the results of their investigation. All XXXX of these accounts are fradulent and were opened by an identity thief. Neither of these banks has ever provided me with a contract and Virginia law states that with no contract produced, these companies have 3 years to collect and it has passed 3 years. I have provided proof of everything I have written to Equifax who refuses to investigate and says that my name, SSN, birthdate, and address are correct according to these companies, of course they are going to say that, they want money and do n't care who gives it to them. Equifax is in violation of the FCRA, judges have found in favor of plaintiffs against Equifax many of times stating that the only information Equifax requires for a report is not in compliance with the FCRA since that information was used to open the accounts. If Equifax wants to part with money then I will take it, but I will be able to show a judge that I tried in good faith to keep this out of court. Equifax has until XX/XX/XXXX to remove the fradulent information or my lawyer will file the paperwork with the court to begin a lawsuit. I will not settle, so this gets fixed now or infront of a judge.
I was told that you all can help me with some accounts on my credit that does not belongs to me. I reached out the creditors and the police to file a compliant. Please help me remove these accounts because they are not mine. 
XXXX XXXX XXXX AT XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX : XXXX : XXXX Transunion : XXXX XXXX XXXX : XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX? XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX.
I was a student at XXXX XXXX XXXX.before they changed the name to XXXX in XXXX Fl the school had falsely advertised being able to transfer your credits and would assist with job placement. Unfortunately while i was there not only did i find out through going to an internship program that the school was not accredited and through XXXX XXXX XXXX who advised they would not accept any of the credits but throughout all of this horrific experience not only did i waste my time but everything came to a sudden end when the schools Dean was convicted on embellishment charges. everything came to an end and the school had closed down. So all the students left with nothing no graduation no confirmation to what we should do because I could not transfer any where because no other schools would accept or take any of the bogus credits. i regret ever going to this school if only i had known the true outcome because now they keep charging me to pay all of these fees and i have been dealing with serious health issues from XXXX XXXX XXXX XXXX which at times i cant walk and XXXX in my hands including XXXX. I have been in and out of hospitals for years and have not been able to work i am struggling have dealt with evictions had to get help from XXXX XXXX who paid my rent if they people in the church are not helping me i receive food stamps as well. they never offer a way to just pay what i owed when i was in the school i never went to XXXX i was shocked when they reopen under a different name. i am being overly charged all these rates and i do not know what to do they call every day early in the morning late at night on the weekends its insane and i never gained the education i thought i would jut an over exaggerated bill.
I have two private loans that are with Navient. They are about {$10000.00} each. I have been paying faithfully for a couple of years now. My grandparents ( both XXXX ) cosigned on these loans in XX/XX/XXXX-XX/XX/XXXX. Since my grandmother has XXXX, I have been trying to get her released from the loans. She XXXX XX/XX/XXXX. I made several phone calls to Navient and did not get correct info on how to go about releasing her. In XX/XX/XXXX, I received a letter saying that XXXX XXXX. ( Navient 's lawyer ) was suing my grandmother 's estate for the balance of my loans. Navient customer service reassured me that if I submitted a XXXX certificate that the whole thing would be dropped and I could go on paying regularly. So, I submitted one twice and was told it should be all wrapped up by XX/XX/XXXX. But, the lawyer continues to harass my grandmother 's estate and even told the executor that my loans are now in default. I can not seem to get anywhere with either Navient or XXXX XXXX. XXXX XXXX. says they have no intention of dropping the suit against the estate even though I am current with payments.
Had a remaining total balance of {$3800.00} with American Education Services ( AES ). I scheduled a payment for the balance in full onXX/XX/XXXX. On XX/XX/XXXX, the payment posted but AES erroneously added {$6.00} of additional interest that was applied upon receipt of the payment. <P/>When I requested that the new interest charges be removed, the company rep refused and would only process another payment which will take 30 days to reflect on my account. In fact, I had to make the request 3 times. Instead she just kept asking me to authorize another transaction. The representative then stated that there are two balances : a balance owed and " pay off '' balance. How is that legal? By definition, there is only one " balance ''. <P/>Inevitably, I had to authorize the payment in order to close the account. <P/>Either their website is not giving accurate account balances, or AES is arbitrarily charging consumers additional interest/fees when balances are paid in full. I feel AES is probably using their lengthy processing times to justify additional charges.
In the month XX/XX/2018 I disputed via mail certain accounts and inquires that appeared to be erroneous on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX Date opened XX/XX/2012 which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
This complaint is related to public student loan forgiveness. I am a XXXX XXXX with XXXX XXXX XXXX dating back to XXXX 2008 with XXXX XXXX XXXX and XXXX XXXX. A review of my payments indicate only 20 payments qualify for loan forgiveness! After nearly 9 years of employment and consolidating loans ( with a higher interest rate ) in the direct lending program, which was required to be eligible for public service loan forgiveness program. I am now learning that I am 100 payments short of the required 120. I am outraged. My servicers changed several times over the years and in that process my payments were apparently thrown off track. At every juncture I was assured that the plan I was in qualified for pslf. Now I am learning that the payments I made for years did not qualify. This is not my fault. I believe every payment I made should count. I 've been working for years in public service, in a field that requires a XXXX XXXX.
On  XXXX   XXXX ,  2016   XXXX   XXXX ,  XXXX  closed on a loan with Bank of America secured by commercial real estate located in  XXXX   XXXX , Colorado.     The Deed of Trust perfecting the lien on this real estate was recorded  XXXX   XXXX ,    2016  at  Reception No.    XXXX .      Loan  was Paid In Full to Bank of America in  XXXX ,  2016 .     C.R.S. st  ates 90 as an acceptable time period to release a lien once obligation has been satisfied.
Eight months later and the lien as NOT been released.
Multiple att  empts, consuming numerous man hours, to work with Bank of America have been made ; up to and including receipt of a copy of the Release of Deed of Trust which as of today 's date has NOT been submitted to the  XXXX   XXXX   Public Trustee.
For over a year, I have been trying to get an issue with inaccuration and unverified information removed from my credit report with Equifax. My most recent correspondence to try to fix the issue was sent on XX/XX/2018, XX/XX/2018 and XX/XX/2018. 

The issue stems with Equifax not conducting a " Reasonable Investigation ''. I have provided them information based on what they have sent to me " claiming '' to have investigated. 

The issue comes into place with Equifax stating they have verified information with XXXX. I have provided Equifax the information that XXXX is not reporting the information. I have recently requested additional information into the matter to try to get resolved so I requested another XXXX Report. Even in the report that I received, It's evident that there was no investigation into the matter as XXXX has documented there was " NO RECORDS FOUND '' to verify the information in the past 12 months.
On XXXX/XXXX/XXXX I had a mortgage broker pull my credit to determine how much home I could afford. While reviewing my credit history it revealed that my student loans with XXXX had not been consolidated and there were in forbearance instead of showing that I 'm in a XXXX based repayment. I have been on the XXXX for the past XXXX.
Rush Card ( XXXX ) has had " computer issues '' and I have not had access to my money since XXXX XXXX, 2015. Previous to XXXX XXXX, there were XXXX pending charges on my account that were incorrect and making my available balance less than it should be. Since XXXX XXXX, because my Rush Card and XXXX accounts are linked, I have also had chargebacks debited through my XXXX account that are also held against my Rush Card account. In addition, I have also had a credit issued to my Rush Card account that I ca n't access. I have been unable to buy groceries and have had to cancel an appointment with my doctor because I have no access to my funds. As of today, XXXX XXXX, Rush Card 's system is still " down '', with no relief in sight. Customer service reps at the company can only say that when the service is restored, they will " call '' me. I have received no offers of recompense, or any assurances that I will ever be able to access my rightful monies again. They have, however, sent a text message graciously offering to " waive '' my account processing fee of $ XXXX/mo. for 4 months beginning in XXXX, 2015. As if, I would entrust them with my money again! Which brings up the problem of direct deposit : I had to contact XXXX to change the way to disburse my XXXX XXXX payment. Social Security now requires that one know the current account and routing numbers to change the disbursement arrangement. Since even the Rush Card customer service reps can not access such basic customer account records, I had to present myself and my ID at a local Social Security office. Since I am XXXX and can not drive, this was a major, and costly, endeavor. I shall receive my only source of income on XXXX XXXX, but until then, I have no access to any money due to Rush Card 's incompetence and negligence.
The issue is that XXXX, XXXX, and Transunion have not removed information off of my report that does n't belong to me. I started this process with them in XXXX and it is XXXX. I have been more than patient. At this point I have obtained an attorney to start the process of filing a small claims case against all XXXX bureaus. There is information on my report that does not belong to me and I have stated that every month. At this point the Bureaus have stopped responding to me. This is their final chance to do right, by removing these items off of my report before they are contacted by my attorney. There are also several addresses on my reports that do not belong to me either. 
Attached to this complaint are word documents of each bureau with everything that should not be on there. Addresses included. It is my expectation that they remove the items after I have been disputing these items for 10 months. If not, they are facing a lawsuit.
EX SPOUSE WAS ABLE TO OBTAIN A LOAN IN THE AMOUNT OF XXXX ORIGINALY ASKED FOR XXXX. WAS SPOUSE AT THE TIME OF THIS LOAN. I WAS NOT AWARE OF THIS LOAN. FOUND OUT AFTER WE SEPERATED IN 2014. SHE WAS ABLE TO DO THIS ALL OVER THE COMPUTER. HER AS THE PRIMARY AND ME AS THE CO/ BORROWER. HOW IS A BANK ABLE TO DO THIS WITH OUT PROPER AUTHORIZATION. AND IT WAS DONE USING MY ALIAS. WHICH I NEVER DO ON LEGAL BINDING THINGS THAT REQUIRE AN ID, I DID NOT Authorize, or take out this loan. HOPE YOU CAN HELP.
I already reached out to the credit bureaus and to the following company to notify them of their errors. THE MERCHANTS CREDIT GUIDE ( account # 's XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX ) and XXXX XXXX XXXX ( account # XXXX ) ARE MEDICAL DEBTS THAT SHOULD BE COVERED BY MY HEALTH INSURANCE. It should be noted that I have nothing to do with this being paid late and worse, allowed to go into collection. Continued reporting of these inaccurate and UNVALIDATED debts is considered a collection attempt. Stop this harassment.
I was searching to buy a car at local dealership and was not able to find anything decent under {$10000.00}. Someone mentioned XXXX. I went into XXXX and found a XXXX for {$4000.00}. I reached out to the seller a XXXX XXXX and we communicated through email and text. I was sent an XXXX link to go into to buy the car at the end it instructed me to go Bank of America to deposit the money. I was given a name " XXXX XXXX '' and an account number. I went to bank and made the deposit on Saturday XXXX XXXX. On Monday, I called the XXXX phone number to confir receipt and to find out when I will receive the car. The phone rang and no one answered. On Tuesday, I called XXXX directly and they informed me that they have no record of this item being sold and they are pretty sure from what explained to them that it is a scam. I immediately went to the bank to notify them and to request that they put a hold on that money the {$4000.00} until investigation is done. The bank refused. I called their fraud department XXXX times to explain what happened and to ask for help, they said that they can not do anything. I went to the police and filed a complaint with the local sheriff and the FBI and notified the bank of such actions and provided all the evidence to show the bank that this is a scam, such as the deposit receipt, the emails with the scammers, the complaints and nothing seem to appeal to the bank. Even though, they know who is the owner of the account, they know that it is a scam, they are not willing to provide any information to help in the search of this scammer and to resolve the issue.
I opened an account with Discover Bank over the phone within the past month. I wanted to set up internet access so I used the computer at the library, as I don't have internet access at home. I input the information to access my account online - Date of Birth, Social Security Number, Mother 's Maiden Name - without thinking that a library employee or anyone looking over my shoulder would be able to see this. URGENT - THIS NEEDS TO BE HIDDEN WITH ***** AS IT IS INPUT. 

I will of course contact Discover, but this is of EXTREME importance due to a very high risk of identity theft. It is unprofessional to say the least, and exposes Discover Bank to liability in encouraging customers to provide personal information without hiding it. Every other bank I've ever dealt with has the sense to hide personal information on the screen.
Got behind 5 days on my car loan when the calls started. The calls were 4 -5/day and begin around XXXX. When I talked to them, I told them the situation of slowed commissions and explained that I would be back on track well before 30 days. The calls did n't stop, finally I had to talk to them again and told them I had already spoken to them about it and explained the situation. That still did n't stop the calls. The calls come from several different numbers and it has gotten to the point of harassment.