WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I contacted Santander Consumer USA to discuss errors on my credit report. In XX/XX/XXXX I was injured in a life threatening accident that has left me XXXX XXXXXXXX. When able I contacted Santander ( as well as my other creditors ) to inform them of severity of my injuries. I spent the first 2 years of recovery hospitalized and then moved into XXXX XXXX. Santander was very responsive at the time. At the time they agreed to close and settle my account with the proceeds from the sale of my automobile. Santander was to send me an account history and a debt settlement letter for my records. The car remained parked at my house whilst I was hospitalized. They would retrieve it later.

Recently, I when looking at a credit app I noticed that the account was not closed and it was actually being re-aged with a new closure date of XX/XX/XXXX. I contacted Santander right away. Unfortunately their customer service agents have been difficult to deal with. The notes in their system are only half complete. Their phone records log my call and that I requested payment of account information in writing be sent to me. However, the information recorded as to the exact documents sent is sparse according to Santander. I have asked that they pull phone recordings from my call but they seem not to have retained it.

Upon suggestion, I escalated my calls to the Office of the President/Consumer Affairs. I have spoken directly with Dept Supervisor XXXX XXXX who was unable to help but also made it very difficult by attempting to close out my complaint several times. Then I spoke directly with VP XXXX XXXX. Its been a month since I spoke with him. I have left messages with XXXX XXXX or a secretary 2/3x per week since. XXXX said that he would return my call after investigating. He has never called. On Monday XX/XX/XXXX, after a full month of waiting I was passed to XXXX in Legal Affairs. XXXX assured me he would speak to XXXX and call me today on Wednesday. The day has come and gone and I have heard nothing. I have made over 50 calls in the last month trying to resolve this issue.
I was shocked when reviewing my credit report and found a bunch of late payments on the dates below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. I immediately paid the account off once i became aware of this.
Traded in a car and dealership didnt payoff within the 10day alotted time which resulted in a late payment dealership sent fax to chase saying it was their fault and to please remove from my credit chase removed it from XXXX but did not from Equifax or XXXX  I disputed it with both and they will not remove it. Traded vehicle XX/XX/XXXX disputed XX/XX/XXXX. This was not my fault and it should be removed.
I fulfilled my lease obligations. I bought a vehicle when my lease was up and part of the deal was the dealer being XXXX XXXX XXXX was going to pay my last note to bmw financial. They paid the note but given incorrect amount by Bmw financial. I called Bmw financial 2 months before my lease was up and was told that I would receive a {$300.00} credit bc I was under my mileage by almost XXXX miles. I receive the {$800.00} plus bill that is in collections. They confirmed they received pmt but for whatever reason they did not issue my {$300.00} credit or post pmt. have contacted them 20 plus times been told I can not speak to a supervisor they said they would settle for {$170.00} instead of {$300.00} disposition fee which they arent now. I owe nothing. They are billing tax on everything as well. My car note was {$490.00} its their fault they told Bmw XXXX {$450.00}. Tried to fix that I got letter saying call dmv we are billing for tax. Im a XXXX XXXX  family widow of XXXX died on XXXX XXXX I dont pay car tax. Now they are ruining my credit. Doesnt seem legal.
First BankCard ( XXXX XXXX issued Visa Credit Card ) emailed me my credit card statement for payment due on XXXX XXXX, 2016 of which i immediately as i always do send payment of {$230.00} ( above required payment ) through XXXX XXXX XXXX Billpay. The payment reached and was posted to First Bankcard on XXXX/XXXX/2016. On XXXX/XXXX/2016 I received another emailed statement stating my payment had not been posted. I generated a payment history on my XXXX XXXX XXXX bill pay and shows my payment was indeed paid and posted to First Bankcard on XXXX/XXXX/2016. I received yet another emailed statement on XXXX/XXXX/2016 stating my payment due was doubled to {$460.00} and my prior payment had not been posted and the new payment was due XXXX/XXXX/2016. Now i am considered delinquent. I contacted First BankCard on XXXX/XXXX/2016 at XXXX am eastern time and explained they were misleading their cardholders. Is what they did is emailed me a statement on XXXX/XXXX/2016 with payment due date of XXXX/XXXX/2016 but make their statement cycle end date of XXXX/XXXX/2016. So when i made my payment and it posted on XXXX/XXXX/2016 First bankcard employee stating my payment was posted to principal for the prior month cycle before XXXX/XXXX/2016 ( XXXX/XXXX/2016 new cycle starting ). So now since i am thinking my payment was posted and not worried about it until the following month they did not post my payment to the new cycle causing me to believe it was paid and misleading their cardholders. That small time gap makes people think their payments are posted to the new billing cycle but are fooled when the cycle actually starts days later and the payment is posted hours or days earlier. I want any negative comments posted to my credit removed and i want First Bankcard to remove any notations of me paying my bills late within their system which could jeopardize my low fixed credit card interest rate with first bankcard. remove any late fees also to my account.
Good Morning to whom it may concern I am writting regarding an Complaint that I have with Transunion and XXXX. The account in question is XXXX/XXXX  Transunion high limit {$700.00} and XXXX  {$500.00}. I have disputed this account with both bureaus, the furnisher, and the collection agency. I recieved a letter stating that no other action of collection will be taken, and a request for deletion will be sent to the bureaus. But no such deletion has taken place. I have uploaded this same document as supporting detail. I ask that you please have these bureaus delete it off of my credit report as it is in violation of FCRA and the Fair Debt Collection Practing Act, and it is causing strain on my credit score and ability to have credit. Thank you for your time.
I lost my Wife to XXXX. in 2007 after 3 years of caregiving at home. 
During the time she was sick I let some debts to the city that were on a on a payment plan go unpaid as all funds went to medical/ caregiving. 
I left my home XXXX after 1 year bereavement and went off to find myself. 
I am back in my home XXXX now after 8 years, remarried, and trying to clean up my credit and debts from my past. 
The existing balance of {$3900.00} to the City/County went to collections, then to court where a Judge awarded the collection agency XXXX that amount???. 
I have been in contact with the collection agency trying very hard to mediate a reasonable resolution and to square up with them as this balance has frozen my ability to obtain a State Drivers Licence. 
Under the circumstances surounding this debt can I challenge or petition the courts to reduce the amazingly ridiculous penalties and interest? HELP! : )
My complaint is that, I have been working with SPS for over a year on a short sale, as of XX/XX/2017 the first lien holder has agreed to an amount of XXXX to move forward with the short sale, the second lien holder is asking for XXXX this is a XXXX approved loan and should be accepted by SPS, both institutions have give me dates to have the short sale closed on, I have been waiting for a approval since XXXX XXXX. 
with out having a negotiator to follow thru with this request, when i call i just get a person in the ombudsman Dept. updating me with no answer yet!! this need someones attention, for this matter is time sensitive. 
thank you
I contacted the Department of Education in an effort to verify that the information being reported on my credit report was accurate back in XX/XX/XXXX. I have sent several letters asking for proof ( with my signature ) that the amounts they are requesting be verified. They have sent letters back and included an e signature on a promissory note. They garnished my income tax last year and this year. This years garnishment was done in XX/XX/XXXX which totaled {$6900.00} I just pulled my credit reports onXX/XX/XXXX and they are still showing that the balance that I owe DOES NOT reflect that anything was paid towards the balance. In other words prior to XX/XX/XXXX my balance that they said I owed them was {$12000.00} and upon pulling my credit report on XX/XX/XXXX the balance still shows that I owe them {$12000.00} which is incorrect. As of today XX/XX/XXXX I  logged into my debt summary for the Department of Education and it shows that I only have a total of {$6200.00} in student loan debt. This inaccuracy on my credit report is causing a drastic problem with my scores and I need them to report accurately and remove this debt totally from my report!
I refi last year with XXXX, at COE they stated on there title that the 2nd partial claim would be removed, closed escrow. Now tried to go back and lower rate and finding out that XXXX, which is underwriting by XXXX, is showing the 2nd is first position now putting us in a position of not being able to get any at shellpoint to help us out, the 2nd is also now showing in first position but title insured only shellpoint on the property in first position. This is causing us to have to possibly sell our property due to this huge error. 
Please advise. Thank you.
I pulled up my annual credit report and noticed an address and aliases I have never used. I have never lived in Kentucky nor have I ever used an alias.
I used Remitly mobile Application to transfer money to XXXX, While processing this transaction on XX/XX/XXXX it was told that money will be received by the receiver on XX/XX/XXXX which dint not happen when I check it now it said money will be deposited on XX/XX/XXXX of XX/XX/XXXX, after calling the customer service they were not able to help me with a genuine reason in delay of the process, Meanwhile I also checked my bank account if the funds were debited or not. Good news money was still there in my account and I asked the representative to cancel my transaction as I can not wait until XX/XX/XXXX, as soon as I canceled my transaction the money was debited from my account? Which is cheating and as per Remitly they will process my refund in 7 business day. I need the money as I need to send it to XXXX ASAP. 
Please help me get my money back ASAP Regards, XXXX XXXX XXXX XXXX
The 3 day wait rule should be at least optional. The way banks are actually using this rule is just to go through the same blur of complex paperwork before telling the purchaser that there are " 3 days of quiet time ''. They treat it like a XXXX purchase waiting period. There is nothing whatsoever that forces them to make sure the purchaser understand the blur of paperwork. It 's great that people have the opportunity to review, but it 's not used in that way whatsoever.
They are calling before or at XXXX and after XXXX and repeatedly calling every hour on the hour.
i submitted 2 times for a modification. They will not accept my husbands income.he lives with me and he contributes his salary. This is contrary to policy ...
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. I am XXXX XXXX the following addresses are XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX
On XXXX XXXX, 2016, I remitted mortgage payment on-line in the amount of {$5000.00} due XXXX XXXX. On XXXX XXXX, the loancompany CMC Funding had not posted my payment. I called in and inquired and they said they were behind with mail and processing due to XXXX holiday. I verified with my bank, that the payment was received electronically by CMC Funding on XX/XX/2016. I opened up a written complaint with CMC funding asking for verification that payment was posted and that I was not charged extra interest due to their late posting. I filed another written complaint on XXXX ticket # XXXX and still have not received a response. I called the XXXX number today, XX/XX/2016 and inquired of the status. The woman listened to part of my concern and then she hung up on me and has not called me back.
have a new car lease thru GM Financial Making payments to account number XXXX. Monthly payments are {$220.00}. I make payments from my XXXX XXXX checking account. on XXXX XXXX 2017 a payment came through for {$22000.00} and was received by GM Financing but not credited to my account. It appears to me the decimal point was placed in error. I called the bank to stop payment but it was too late. I then called GM Financing to get the over payment returned to me. I seem to get the run-around from these people for two months. My last call to GM Financial was today ; I was pit on hold for 30 minutes and never talked with anyone.
It seems like they think they can keep the money.
hard to believe GM would do something like this.
I simply want my over payment {$22000.00}
I have a checking account with Chase Bank since XXXX with excellent standing record. 

I recently opened a new LLC business checking account.on XX/XX/XXXX at the XXXX branch with {$2000.00} initial deposit. I also deposited {$8000.00} in my personal account ready to pay property tax. 

On XX/XX/XXXX, I am unable to access both personal & business LLC account.s. I have called several times to Chase different departments and finally found out the Bank has frozen both of my accounts and closed them within a couple of days with no explanation or communication.I also went to the branch but got no answer. 

I am in shock since the {$8000.00} just deposited in personal account in XX/XX/XXXX is the fund to pay the property taxes. Both accounts with total balance of {$10000.00} are still unavailable to withdraw as of today, XX/XX/XXXX. 

So far, no one in the branch or customer service call center is able to explain what happened or what to do except having the closing account process to run the course. 

I am still in the hole and waiting for my {$10000.00} deposit to use. I have received two letters dated XX/XX/XXXX stating both my personal and business LLC checking will be closed soon due to " recent activity '' or " did not provide information requested ''. 

The only recent activity was to open the new business XXXX at the branch, which I suspect to trigger all the closing accounts situation for no reason. 

I felt powerless at the mercy of the Chase Bank holding my {$10000.00} property tax money due to pay before year end of XXXX. Apparently only thing I can do now is keep waiting until " who know when '' to get my hard earning money back.
On XX/XX/2018 I requested method of verification from Lexis Nexis for inaccurately reporting a bankruptcy # XXXX. I was told by their rep that they call the court and the court verifies that information. Upon telling them the court said they dont verify ANY of that information they insisted that they called again and got the same response and was also told I would need to show proof. I then sent proof to Lexis Nexis via email in form of a letter I received from the court house stating they dont verify that information and they sent an email stating they received my letter from the court.They also asked if I had a FTC report and I started to send it to them. My thing is why are they asking for anything further when I have already sent them a letter from the court which would be the FURNISHER of the information??? The burden of proof is on them. I also asked for VALIDATION which means they should be able to provide proof in form of an original contract, promissory note, or some documents with my original signature which they cant because they would have done so by now. According to the CFPB and the FCRA they are violating my consumer rights. They continue to falsely report this bankruptcy on my file and its hendering me from obtaining credit.
I have been a victim of identity theft and it seems that this will be a never ending miserable issue for me. The credit cards with XXXX XXXX XXXX were opened fraudulently not by me. I disputed these accounts with the original creditor and all thee bureaus and the accounts were deleted from my credit file. I submitted a police report for these fraudulent accounts as well. Now, these accounts are in collections and reporting on my credit files again with a different creditor, Midwest Recovery Systems. This is not only frustrating but it is also causing a negative impact to my credit file for an account I never had!
on XX/XX/XXXX opened account with, navy federal credit union. they started running hard inquiries they did three in one a month, two on same day XX/XX/XXXX and shared my information with XXXX XXXX that ran a hard inquiry with out my permission contacted navy federal to get them to stop.had to close account with them to get it to stop now I have 4 hard inquiries on my credit report and my score has been lowered need this removed.
On XX/XX/XXXX, I called into make my payments to Capital One on accounts ending in XXXX, XXXX, and XXXX. The agent who was taking a {$80.00} payment on account number XXXX, put in {$760.00} instead causing my bank account to be drained of all money and causing other items to bounce the account. After spending 3 hours on the phone with capital one and talking to 2 different Account managers all I received was " sorry, you will have to wait the 3-5 days for the bank to give you back the money. '' Meanwhile, they have left me with no money at all and my account now XXXX overdrawn for their mistake. Notes are all in the computer to what has happened. So, once again I ask for a credit increase. The accounts have been as follows : XXXX since XX/XX/XXXX,  XXXX since XX/XX/XXXX, and XXXX since XX/XX/XXXX with none of the accounts receiving credit increases. The account manager says, '' I do n't understand why you ca n't get a credit increase because I 'm looking at your pay history and you have excellent pay history with us. You even have paid everything off several times. '' But, unfortunately, I ca n't get you a credit increase until the accounts are current and that wo n't be until you get your money back from us and then there is no guarantee then that you will get the increase. ''
Yet once more CHASE BANK is XXXX me after I have done what they asked of me and that is sending in over {$1300.00} month for three months on another trial modification they told me I qualified for. NO I could never qualify for a mod under the " Making Home Affordable Plan ''. They knew I could n't qualify and expected me to commit perjury by signing a document that states I own not more than XXXX properties. Now they say I do not qualify after they have been given all of my documents. They are nothing but crooks. Please help me. Now they say I have to yet again apply for another modification, an in house CHASE modification. It has been 7 1/2 years of pure XXXX. PLEASE wo n't you help me? They do not abide by the law.
I went to get a car loan and Transunion is still showing my mortgage is delinquent when it is actually current, but since this is the only company the car loan people had access to, they could n't accept any other company 's reports.
My home mortgage loan was sold to a company called Seterus Inc . In late XX/XX/XXXX/XX/XX/XXXX we fell behind in our mortgage. In late XX/XX/XXXX Seterus offered us a refinance agreement and started a 3 month trial. During this 3 month trial which we completed successfully, Seterus representatives continually called, This week ( XX/XX/XXXX ) twice already, the first representative stated that he was calling to collect a debt, without checking to see that I had spoken to a representative the week before and discussed the refinance package that was sent to me. I have until XXXX XXXX to respond and yet they still call me constantly. Some representatives have been threatening, telling me that if I do n't provide a repayment date or plan they will foreclose on my house, even though I was complying with their refinance package. I also receive as many as 3 letters a day making the same statements. This company appears to use scare tactics and threats in order to force home owners to make rash decisions. Furthermore when I state that I would like to consult an attorney, they imply that they will go forward with a foreclosure action. This company has been bullying me for 6 months, and even though I have resigned to agree to their terms without consultation they still call and harass me. I thought this type of action was no longer legal.
I used the Wells Fargo SurePay services to transfer money to my friend 's account using his phone number. I received the confirmation email and text message saying it was transferred to his account and received a text message as well. I sent XXXX separate transactions to the same phone number in forms of {$41.00}, {$500.00}, and {$2000.00}. The money was taken from my account to transfer over. I waited a day or two to see if he got the money, and he said it never transferred. I checked his XXXX XXXX XXXX account to see if it ever went through, and there 's no signs of the transfer. I checked his statements, transfer history, and even the preferences to see whether the correct number is linked to that account ; and it was correct. He called his bank to see if they can see if anything went wrong, but they said there was not any transfer that went to the account. So, I submitted XXXX claims to Wells Fargo, and they said everything went correctly on their end and that they could not do anything much more. They offered to send any documents that they used relating to the claim showing how they determined the outcome, but they had no documents to show for. I am submitting to claim to determine where my money went.
EXPERIANXXXX XXXXSTATUS SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) REMARKS SHOW UNPAID BALANCE ( SHOULD BE INCLUDED IN CHAPTER XXXX BANKRUPTCY ) ACCOUNT WAS LISTED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015
I called TransUnion XX/XX/XXXX, to investigate and remove the following inquiries XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX they refuse when were very disrespectful