WillisBack/dataset-financial-user-claim huggingface dataset:
A concerning matter has been brought to my attention that an alleged auto loan and or repossession in XXXX that is listed under my social security number from a company or lender by the name of Santander Auto Loan Company. Chrysler Capital provided this information. 
I was given an account number and a phone number to the " president 's office '' of XXXX. 
I called and was on hold for about 1 hour. I spoke to a rep to inquire about this account and was told they was not authorized to speak to me and that they needed to speak with their legal department! 
I have NEVER had a loan or repossession from this company, EVER. I am trying to get information, because I was a victim of ID theft from XX/XX/XXXX to XX/XX/XXXX in California. 
I see that this issue is this or this is an error in their system. How can I get any resolution to this if they will not provide me with any information? This was NEVER on my credit like all previous identity theft items because it could have been resolved years ago. They are not assisting but Santander has an account tied to my social security number, and is effecting my consumer relationship and has cause a hinder to my already damaged credit. I can not get this resolved. 
I need to know what steps I should take on this matter
I transfer a money to western union and my sender has a different name in her ID's.. i call western union after a weeks and they sed the reciever can claim in 2days ... until now they canot claim the money now it is unavailable in the system ... plss help me.. they need the money by my couzen..
Credit inquiries : XXXX TransUnion CUSTOMER SERVICE would not help and take care of the negative inquiries reporting to my credit report.
My student loans where all consolidated into XXXX loan I was told that it will clear off my credit report to show as paid in full however I 'm shopping for home loan in because of this error I 'm unable to receive loan can you please assist me with this task. Thanks
I am very concerned about the validity and accuracy of the recent investigation done by Equifax..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... XXXX XXXX XXXX
Hello, My name is XXXX XXXX and I'm not sure if I am in the right category of complaint as there was no exact option. I have a major complaint against my Loan Servicer, LoanCare ( XXXX XXXX XXXX XXXX   XXXX specifically ). I've called them and emailed them over 8 times in the past 3 months to try and get my PMI removed as I have enough equity in the property and have passed the FHA length of stay guidelines to do so. All I need is an appraisal. This should be very easy! 

I've sent 3 emails via my online portal about removing PMI, each time I follow up within a week or two and they say they can't find anything after transferring me to 3 departments. Every call is at least 45 minutes in length. This should be a federal crime as I'm trying to get an appraisal to legally get my PMI removed and they don't have the infrastructure in place to support this and are essentially stealing my {$500.00} plus a month by not contacting me back. 

I am completely unsure of what to do next, please take action against this atrociously run company. 

Thank you.
I previously obtained a copy of my credit report and it showed that  XXXX  was a closed account with no balance as the car was sold there was a remaining balance of {$690.00} however  XXXX  sent the account to collection over a year ago. After my husband I divorced this account was keeping him from purchasing a home so he settled the account with the debt collection company and the balance reflected {$0.00}. However after a recent check of my credit the report showed a balance of {$1300.00} I immediately called the credit bureau informed them of the situation and they told me to contact  XXXX . I contacted  XXXX  and because it was sold to a debt collector I was told they no longer handle it. I contacted the bureaus again still no avail they just sent me an updated copy saying the account was verified and updated. I asked them to provide me with the documenation they used to validate this account and they refused, they then sent me another credit report that says my request was not specific enough.
XXXX has reported my payment status as " Pays As Agreed ''. However, the payment history shows late payments as much as 180 days late. Because of the late payments, the mortgage is reported as a negative account, which greatly impacts my credit score. I 've tried contacting XXXX and discussed the errors on the account. No changes was made. I 've disputed the negative items on my credit report with all XXXX bureaus, and gave supporting documentation ... loan agreement paperwork, historical bank statements, payment schedule agreement, and more. No changes was made. Before I pay for a lawyer, my hope is that CFPB can put some teeth into this matter and get it resolved. This issue is on all XXXX bureaus, XXXX, Equifax, and XXXX.
I recently got my credit report which showed my credit scores. XXXX and XXXX have gone down XXXX points. I have been trying desperately to reestablish credit since a medical bk and foreclosure as I know how important good credit is. I have over the past 3 yrs purchased a home & opened up credit cards, paying them off immediately. I recently refinanced my home & bought a new car. I shopped around & it is my understanding that I could shop around for 30 days & those inquiries which were for the same thing & done within 30 days of each would only count ONLY as one. Apparently this is not happened according to Equifax. I have several refi inquiries & also auto inquiries which I do not believe has been fed properly to FICO who is determining my credit score. I need to get this straightened out so that my score can improve. The credit reporting agencies say I can not dispute a Inquiry. They say I must contact the company on the report ; find out who made the inquiry ; contact them and either ask them to remove it if it were in error or if it was not authorized by me. I have done this with several. Please note XXXX had pulled my credit on XXXX & XXXX /out my permission They say they will remove same. Others say they ca n't do it..So I am at a loss at what do do as each XXXX is XXXX points and is adversely affecting my credit Note : 1 ) XXXX pulled for XXXX Mortgage XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX for refi within 30 days 2 ) XXXX pulled for XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX within 30 days 3 ) XXXX pulled for XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX Store XXXX/XXXX/XXXX for auto loan -- XXXX had pulled it as well on XXXX/XXXX/XXXX all within 30 days ; Home State Bank which is NOW XXXX Bank had several different inquiries : XXXX Bank had BOTH Credit Bureau XXXX XXXX & XXXX XXXX XXXX XXXX pull it both on XXXX/XXXX/XXXX which seems crazy to have it pulled twice on the same day!!! I just spoke to them They are writing a letter to credit bureaus to have them removed as they did NOT have my authorization to do so after checking their records. 
I am frustrated because I ca n't dispute these with credit reporting agencies, many of the companies I call do n't want to remove them ; I ca n't get help from FICO who is the ones that report the scores ; and I ca n't get help from the reporting agencies who feed the info to FICO -- YET my credit is getting damaged and there is no one to turn to. Please research this let me know how to best proceed and if in fact some of these can be deleted.
I disputed an entry on my credit bureau for XXXX XXXX / XXXX as I have no knowledge of this account. Transunion responded on day 31 that it met FCRA reporting however has not provided me with a response as to why they believe that or what information was provided by the creditor. I beleive that any information provided by their client would also prove to be in error
America 's Servicing Company is being bias towards the borrower by prohibiting the borrower from being reviewed fairly for a loan modification due to an overzealous underwriter and processor with America 's Servicing Company. America 's Servicing Company is requiring additional documentation not customarily required per the HAMP guidelines. The borrower has been separated from the spouse since XX/XX/XXXX. Although divorce is imminent the clients have not filed for Divorce but the spouse no longer resides in the residence. America 's Servicing Company requested for the Co-Borrower to relinquish their rights to the property by means of a Quit Claim Deed. The Co-borrower as a result incurred additional expenses relative to the Quit Claim deed preparation and recording cost. On XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX XXXX received a conference call from the assigned relationship manager XXXX XXXX with the underwriter XXXX ( no other information was given about the underwriter ) demanding a Divorce Decree. The underwriter was notified they were not divorced and separation was not recognized in the state of Florida. The file was denied the same day for not producing a Divorce Decree. America 's Servicing did not provide the client with a missing documents letter as required by the CFPB and HAMP Directives. In addition the underwriter is demanding a Divorce Decree in which the borrower can not provide. The co-borrower has demonstrated she does not live in the property and has relinquished her rights to the property but America 's Servicing Company is continuing to demand a Divorce Decree or produce a separtion agreement which is not recognizable in the state of Florida. On XX/XX/XXXX and XX/XX/XXXX file was resubmitted to America 's Servicing who removed the file from being removed on the same day. File was submitted XXXX days before a Sale Date and America 's Servicing did not mail a Letter Confirming Receipt XXXX the package nor provided the client with a missing documents letter as required by CFPB and HAMP Directives. America 's Servicing Company is requiring the borrower to produce documentation which is not legally binding nor recognized in the state XXXX Florida. America 's Servicing Company is proceeded to foreclose on the home without providing the client a proper review of the Home Affordable Modification Program.
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
bank of america keeps over charging me for overdraft fees although i called them and told them im going through a divorce and XXXX  XXXX XXXX issues i got charged XXXX since XX/XX/XXXX alone although i told them to stop any automatic payments which they did not they told me they cant stop any transactions or stop the fees ..then they told me i can put money in the account before XXXX XXXX ET but when i put money in to try and cover some transactions they apply it towards large transactions and hold smaller ones and charge over draft on them. i tried to communicate with then they refusing to help they say im over my overdraft allowance .. im like yea because of my severe circumstances. in the past i may have over drafted like 1 or 2 times in my life but my XXXX XXXX XXXX XXXX and i dont qualify for state income help.
I have over XXXX in student loans. I applied for the federal loan forgiveness program as I work at a non for profit hospital. Fed Loan Servicing is who I have been working with. They informed me that I had to consolidate my loans in order to get approved for the program ; which they did. I paid my affordable payment religiously for over a year. I was notified that my payment was going from XXXX to XXXX all of a sudden because they said someone caught a mistake that was made in my consolidation that could not be reversed. They stated that the parent plus loans I received for my son were included in the consolidation and disqualified me from being able to have my discounted payment. Now someone who was paying on time every single month working towards the goal of loan forgiveness can now not pay a dime. Everyone loses. My husband passed in 2014 and I am a single income home now. A payment that large is nearly all of one of the only two checks I receive a month. All this over someone 's XXXX up that had nothing to do with me..
I tried to refinance my home loan with Quicken - not only to reduce my payment, but also to consolidate a first and second lien. Considering their rating on XXXX and how they actively market how great a customer experience they deliver, I thought I could not go wrong. I provided all the requisite documents needed quickly, and they were responsive. Strangely, just before I was supposed to receive the Appraisal, I received a revised loan estimate with a higher rate. I did n't think anything of it, until I received my Appraisal for significantly less that anticipated. To note, their Appraisal came in at {$690000.00}, while third-party sites like XXXX provided a private estimate of over {$820000.00}. I asked Quicken to go back and take another look, providing other more relevant comps than the ones used. They also missed relevant items like lake views, while in one comp they stated lakefront, but it did n't have access to the lake across the street from me ( a simple check of public record would have isolated that fact ). Quicken came back to me with no change in valuation. I asked my Mortgage Banker why the change in the Loan Estimate and he stated that the higher rate was due to the lower valuation ; I took that as I could still refinance, but just at 50 bps more on the rate. A different person - a Solutions Consultant? - came back to me and said that it was published in error, and that I had to make up the difference in LTV if I wanted to refinance. This was an approx. {$100000.00} payment. Not only was this experience terrible, but I was given inaccurate information setting a false expectation, and pertinent details were excluded from my valuation, which impacted my ability to refinance the loan and improve my financial condition. I feel like Quicken put in the low valuation because my wife has some credit card debt and they did n't want to deal with it even though she was not going to be on the loan. The one positive was that their executive office people were responsive once it was escalated to that level, but I feel like Quicken, outside of having me pay down my mortgage by {$100000.00}, was not their to offer me counsel around options. Also, as I did not agree with the valuation, I asked if they would give me back the Good Faith Funds. They said no right off the bat, without even hearing me out. Now I have no refi 'd loan and am out {$500.00}. Just terrible all around. Shame on you Quicken for taking advantage of people like that. I gave you the Good Faith Funds in good faith I would get a refinanced loan, not to compensate you for your poor choice of Appraisers who do n't know how to do their job effectively!
For the past 10 years or so, Select Portfolio Servicing, the seevicer on my loan has repeatedly lost payments, added additional fees, and has tried to foreclose on my home. When I have requested information of who my note holder or investor is, they tell me it is XXXX XXXX XXXX XXXX. However, when I call XXXX XXXX, they have no record of me or my loan. They have tried using my SSN, Name, and Address. And still nothing. In XX/XX/XXXX, SPS tried to foreclose, but did not have the loan transfer documentation attached. So, in XX/XX/XXXX the forged that document saying it was sold in XX/XX/XXXX to XXXX XXXX XXXX XXXX. The document was not filed in the court clerks office until XX/XX/XXXX, when they tried to foreclose the first time! They make threatening and harassing phone calls. Do not report payments. And give out false and misleading information. My attorney has contacted them several times as have I requesting the documentation which is not accurate. I have even called XXXX XXXX XXXX XXXX on a conference call with SPS to prove that they do not have my loan. So who has my note?
On XXXX XXXX, 2017, Bank of America performed a hard inquiry into my credit status without my permission, oral or written. I currently do not have any loans with Bank of America. No explanation was given as to why this inquiry was performed. Hard inquiries into anyone 's credit can and does affect their credit score for at least 2-3 years.
1 ) This complaint is regards to the Complainant 's property in the address of XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX wherein Bank of America has made the Complainant sign an Adjustable Rate Rider to his original first-lien residential mortgage but did not actually provide the Complainant with the rest of the body of the document. 2 ) This deceptive practice happened in XX/XX/XXXX and the mortgage was serviced by Bank of America until XX/XX/XXXX. 3 ) Complainant has filed at least 2 loan modifications for this subprime ( 12-month MTA ), negative amortization, pay-option mortgage to Bank of America as were mediated from Complainant 's separate complaints submitted around that time through the Massachusetts Attorney General 's Consumer Protection online complaint system but no HAMP modification was awarded. 4 ) Several public documents in XXXX County Land Court Registry of Deeds had since then appeared that attests to the fact that Complainant 's mortgage is fully-paid off because the mortgage was made to be part of XXXX XXXX, XXXX XXXX XXXX XXXX. 5 ) Bank of America. upon acquiring Countrywide Home Loans in XX/XX/XXXX, can not deny that it is the Master Trustee and Depositor of said XXXX from full-acquisition of XXXX, XXXX and it also now serves as the Master Servicer for mortgages within that XXXX. 6 ) It appears from records available in mortgage statements and litigation records that the Complainant 's Mortgage of $ XXXX has been fully-paid off through participation in the XXXX by the time that Bank of America made the Complainant sign just the Adjustable Rate Rider portion of a mortgage instrument it offers. 7 ) Bank of America did not disclose the actual mortgage since XXXX and the Complainant is now showing cause in several other separate legal complaints, including the one attached herewith for the entire Condominium building at XXXX XXXX XXXX, XXXX, MA XXXX. ( See MA Division of Bank Complaint to Bank of America -- the Complaint form and its Exhibit 2, and not both Exhibits are provided here due to Credit Bureau records that appear in Exhibit 1. Bank of America will be recipient of the MA Division of Banks Complaint anyway ) 8 ) Bank of America has committed deceptive loan practices, and deceptive foreclosure practice against the defendant and should now fully-admit that it made the Complainant sign a Mortgage of Security Interest and Rent similar to the one attached here, because this is the only possible way that Bank of America can keep the Complainant 's mortgage within the XXXX XXXX XXXX wherein the participation cut-off date wasXX/XX/XXXX and it offered the Complainant an Adjustable Rate Rider to sign in XX/XX/XXXX and just kept referring to it as a " Certain Mortgage Instrument '' in Land Court records.
a check was mailed out on XX/XX/2015 with my online bill pay with my bank and they held it and only cashed it on XX/XX/2015 and still say I did n't pay even after I provided a copy of the canceled check and told XXXX on XX/XX/2015 that it was unpaid which is 13 days after they had the money in their bank
XX/XX/XXXX - 1 call XX/XX/XXXX - 10 calls XX/XX/XXXX - 2 calls And these are just the ones I can track on my phone. There are many more from earlier dates! They just wont stop hassling me! 

I have repeatedly told these people I am not interested in refinancing my home. I have repeatedly deleted emails from them. I have blocked their number on my phone and still they keep calling and leaving voice mails.
On XXXX XXXX I authorized {$100.00} debit from XXXX XXXX XXXX. On XXXX XXXX I lost my debit card which I reported lost and CitiBank declined the debit I had authorized. That same day I called Citibank to explain that I had authorized the debit from XXXX XXXX XXXX. Citi bank proceeded to debit my account but the funds where never transfer to XXXX XXXX XXXX. I have place several calls where Citibank states that the claim is under investigations after 2 months and many calls I when to the financial institution located at XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. I found out that there was not an investigation opened and there was never one opened to begin with. All this time the information they had provided me over the phone was misleading and false.
I found it hard to believe that WELLS FARGO BANK sent a letter addressed to my deceased wife, of which they are aware of, stating that the property is AGAIN under foreclosure proceedings and that the loan is 9 months past due. Furthermore, the letter stated that the mortgage assistance was not being considered when in fact, the Loan Modification was already approved by WELLS FARGO BANK, in which, the documents were ready for her signature. But due to her untimely death on XX/XX/XXXX, the signing of the documents were deferred by WELLS FARGO, and the closing lawyer they hired. 

On XX/XX/XXXX, I wrote an email to XXXX XXXX, Home Preservation Specialist of WELLS FARGO. Please see my email below for your perusal : Dear XXXX, For your ready reference, please let me share with you the excerpt from CFPB Bulletin XXXX, dated XX/XX/XXXX, starting on XX/XX/XXXX, a servicer must have policies and procedures reasonably designed to ensure that, upon notification of the death of a borrower, the servicer promptly identifies and facilitates communication with a successor in interest7 of the deceased borrower with respect to the property that secures the deceased borrowers mortgage loan. In issuing this guidance, the CFPB seeks both to assist servicers in implementing these policies and procedures and to promote home retention whenever possible for successors in interest faced with the loss of their homes due to the death of a borrower. 

The CFPB adopted the successor in interest provision of the Policies and Procedures Rule after learning about difficulties that some surviving spouses, children, or other successors in interest experienced in attempting to communicate with servicers. The CFPB has received reports of servicers either outright refusing to speak to a successor in interest or demanding documents to prove the successor in interests claim to the property that either do not exist ( e.g., probate court documents for an estate that is not required to go through probate ) or are not reasonably available. These practices often prevent a successor in interest from pursuing assumption of the mortgage loan and, if applicable, loss mitigation optionspotentially resulting in the avoidable loss of the home. In applying the Policies and Procedures Rule, the CFPB seeks to reduce the number of unnecessary defaults and foreclosures, including those following the death of a borrower. 

Basing on the above-stated Bulletin, may I request that Wells Fargo must adhere to its implementing guidelines and thereby amend the APPROVED LOAN MODIFICATION documents transferring the accountability of the Loan Modification from my deceased wife, XXXX XXXX XXXX, to my son and me, as early as possible. 

As Ive said, the Approved Loan Modification is so affordable to us ; and the question now remains, Why the delays. 

May this merit your utmost attention and consideration. 

Most Sincerely Yours,