WillisBack/dataset-financial-user-claim huggingface dataset:
Please consider this correspondence to be formal notice that our mutual client is hereby filing a complaint on the basis that the your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The lender has was sent the third party authorization three times. as well as the Qualified written request. 
The lender has failed to respond to our QWR sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX- the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
On XX/XX/2017 I reached out to Nelnet regarding an extension for my Income Based Repayment Plan because I had yet to receive my W-2 's. The representative informed me that this information was not due until XXXX and I had " plenty of time ''. I then asked her to notate my account of this " due date '' and she did. Today, XX/XX/2017 I called Nelnet and requested the IBR form and the rep. informed me that the form was due tomorrow and that I have been " kicked off '' IBR and that I would face capitalization of my accrued interest of the past year and that would be applied to my principal balance. She acknowledged that a rep had written an XXXX due date on my account and that this was incorrect information given to me by this representative. Since she would not assist me after I was provided incorrect information by her colleague, I asked to speak to a manager. I was transferred to XXXX who stated that my IBR form was not due tomorrow, but due last month. He also acknowledged the XXXX due date notated on my account and also acknowledged that I was given an incorrect due date however would not assist me. In fact, I am being penalized. I am now being Capitalized on my interest, in the amount of {$2300.00}, toward my principal balance. Both representatives are acknowledging that another agent gave me that information and are still penalizing me for acting on it.
I was behind on my payments to Santandar Consumer USA because I XXXX XXXX XXXX back the in Summer of 2016. The lender was unwilling to do a deferment on my account and told me to just make payments when I can, so that is what I did since I was unable to work during that time. I started getting threatening and rude phone calls every hour on the hour from XXXX XXXX until XXXX XXXX every day. I asked on many occasions to speak with someone higher up but was told there was no one every time. They threatened to repo my car even though I was caught up on my payments. I was fully caught up in XX/XX/XXXX of this year then they tried to take me to court, I hired an attorney and made an agreement to make my payments on time and have not missed a payment since. My account shows up as closed and as a charge off and no payment history giving me bad credit. Shows a higher amount owed then what I owe at this time. I would like to have my payments showing up on my credit report and my account as open or at least let me put a statement on my credit report as to why I was behind on my payments. This company is unwilling to work with anyone no matter the circumstances. My interest is outrageous on this account too. I highly recommend that no one use Santander Consummer USA for any type of loan or banking needs.
Okay I have 3 problems which all of them i have no knowledge of this accounts.

i have never opened any of this accounts, and i told them many times i just ca n't provide evidence that this are not my accounts i have never been there or open accounts, i never gave any one permission to open accounts on all of this 3 places because of them my credit score been ruined, they ruined my life i just ca n't get rid of this collections, This all 3 accounts place a collection on 3 credit bureaus. 

Original Creditor : XXXX XXXX XXXX collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX date-XX/XX/XXXX balance- {$3100.00}
I requested debt validation/verification from  Bonneville Col lections. The amount and orginal creditor did not correspond with any information I had in my files. My first request was received by registered mail on  X/XX/2017   , my send request was received by registered mail on  X/XX/2017   . I provided my current address and identifying information. They have failed to respond to my requests. In addition, with each letter I have sent requesting verfication, they have marked my Credit Bureau account disputed/verified/resolved.
I had been using XXXX for purchases and as a seller for many years. I have a bank account connected with the company, where deductions for purchases and deposits for sales occur automatically. 
When I was making a purchase, ( XXXX, 2017 ) an ad for XXXX XXXX came up. It offered free delivery. I decided to click on the ad to see if the service would be beneficial. I made a {$13.00} purchase. I never received the item. Instead, I received an email that said there was no safe place to leave the package. This was a blatant lie. # 1 I was home all day. # 2 I lived in the country, had a secure porch, and # 3 before I had XXXX XXXX, XXXX delivered literally dozens of packages to my porch. I canceled the service. 
I assumed I would be charged and refunded to my normal bank account. I did n't give it another thought. 
Recently, I was contacted by " XXXX XXXX, '' telling me that I had an outstanding debt and that fees and late charges were being applied. I told them I never heard of them. 
I never applied for an account with that bank and never signed anything indicating I wanted a new credit card. I also told them I never received a card in the mail. They said they would mail one. I told them I would rather they cancel whatever this account was and leave me alone. The harassing calls continue, and now I receiving paper bills in the mail. I never received a bill for the XXXX purchase ( which I never received ). 
They refuse to leave me alone.
In XXXX I opened an account with Chase Bank in XXXX Ohio. On Saturday XXXX XXXX my wallet was stolen and my debit card was utilized for multiple transactions totaling in {$880.00}. My wallet was stolen at about XXXX XXXX, and I was unaware of its absence until approximately XXXX. I had miss placed my phone and was unable to call to report it stolen so I used a disconnected cellphone through its wifi capabilities to message an ex of mine whom I still shared an account. He called the visa card fraud agency at XXXX to report my cards stolen for me. First thing Monday XXXX XXXX I went into my local bank to report my card stolen. My personal banker spoke with the fraud department personally and filed the claims on the fraudulent activity for me per their specific instructions and informed me the money would be back in my account within 5 days. On XXXX XXXX I filed a police report with the local police, report # XXXX. On Friday XXXX XXXX I called the call center after work to find out the status of my claim and I was informed it was being denied because it was filed improperly. On Monday XXXX XXXX I went back in to my local branch to have them refile the claim since they were the ones responsible for the way in which the claim was originally filed and again my personal banker called and went through the process of filling the claim as he was instructed. Again my claim was denied, this time they said it was because of the short length of time in which I had been in business with them. I again requested to have it reviewed, this time the claim was sent to the executive office and again it was denied. This time they claimed it was because I was able to access it from a mobile device but I had not yet called to report it stolen. They acted as though they did not believe me that I was using a disconnected phone via wifi, and refused to acknowledge the fact they failed to deactivate the card after my ex-partner had called and reported it stolen through visa. I went into the branch the following day to see if there was anything they could do and they spent over an hour on the phone until they were informed there was nothing they could do for me and that they were to inform me Chase was terminating our relationship. On XXXX XXXX I received XXXX checks from Chase in the amounts of ; XXXX, XXXX. The XXXX for XXXX is the exact amount for XXXX of the fraudulent charges, the other does not match any of the charges. I do n't understand how they can pay me out for XXXX of the fraudulent charges but not for the remaining charges if they claim it was due to my behavior/actions.
On XX/XX/2018, I sent a letter to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX requesting validation of debt, of which none of the aforementioned companies have complied with my request.
My daughter was attending college up until XXXX, I had moved from XXXX XXXX to XXXX in XXXX. In early XXXX I pulled my credit and noticed there were derogatory reports on my credit report from a " nelnet ''. I had no idea who or what this was. So I called the company and asked what the issue was and why it was being reported to my credit report. After going through verification the customer service representative got rude, was swearing and threatening me. I again told Nelnet that there was no need to use such language or threaten me and was happy to work with them to clear this off my credit report since I was unaware of this bill. Nelnet did not have my recent address since I had moved out of state. When I had updated them with the correct contact information the calls came all hours of the night as shown by my cellular records after repeatedly telling them not to call. My first request to cease and desist was XXXX of XXXX, yet the threating phone calls kept coming in from Nelnet all hours of the day and night. The reports that Nelnet have made and continue to make to the credit buearas are false, when I explain to them it was an oversight and try to correct it, Nelnet again starts swearing and telling me that they are there to ruin my credit score across the 3 bureaus and make sure I do not obtain a job. In fact when I have tried to work with Nelnet to get this paid off in full so this does not affect my job search the customer service lady laughed and suggested that I " apply at XXXX that they are always hiring. '' This only scratches the surface of the horrors and harassment that Nelnet does and I am prepared to show you evidence of their repeated phone calls after hours.
Received a Statement saying Account is 1 Month Past due. Minimum Payment of {$210.00} due XXXX/XXXX/XXXX. Called the Customer service which recorded and Gentleman said no Error on account and that there was no late payments and the Balance was no what stated and No changes have been made. He said he would make a note that there was issue with Account. Then I received a letter after discussing such issue the Company had cut my account to where my Credit Limit was below what Balance of card was. When talked to Company today XXXX/XXXX/XXXX XXXX pm the customer service said I had to late payments when I provided the on time payments with reference number. Stating only XXXX. I was 4 days late but paid first late payment. They said that the credit was reduced due to my Credit Score. Which is in question because when I questioned the Customer service why they doubled my Minimum payment that same day the Reduced my Credit Limit to new Balance. I have documents. When asked talk to a Supervisor over issue the said no one could help and would have call me back. With a long time history with on time payment with just few past couple days have had No past due accounts not paid. Question why they tried to double my payment when we pay more than the minimum each month. Also why did sudden change happen after such conversation of why citi asking for more than the Minimum. Two documents show usual payment of {$81.00} to {$200.00} in one month when payment ontime. And they cut my credit limit due to asking this.
remove the fraud alert and statement from my credit profileXXXX XXXXSS # XXXX XXXX XXXX VA XXXXDOBXX/XX/XXXX
Equifax has taken longer than 30 days to respond to our request for an investigation. We mailed a letter to the almost two months ago, asking them to correct errors on our credit report. We have yet to receive a response from Equifax.
On XXXX/XXXX/XXXX I disputed an item on my Equifax report with XXXX XXXX. On XXXX XXXX, XXXX, I received a response from XXXX XXXX which did not include verification of my signature. They failed to validate the debt. XXXX XXXX did not notify Equifax that I disputed the information as per XXXX. I sent another letter on XXXX I did not receive a response from XXXX XXXX at all. On XXXX XXXX XXXX I sent a dispute letter to Equifax. Equifax did not verify the debt with my signature as required by law. In addition, information was added to my report from XXXX XXXX through XXXX XXXX that is inaccurate. On XXXX  I sent a second letter disputing the incorrect information. Equifax responded that they verified the debt but did not send me a copy of my signature or any viable evidence showing the account being reported as accurage as required by law. The information being reported on my credit report by Equifax is inaccurate and must be deleted. I have been denied credit as a result of these inaccuracies.
XXXX XXXX representing Convergent Outsourcing called XX/XX/XXXX in an attempt to settle up XXXX accounts they are trying to collect for XXXX Student loan Trust. While talking to XXXX XXXX she had stated that XXXX would settle for {$29000.00} and then the next day I was sent an email saying that XXXX would settle for {$43000.00}. I feel that this company is not a reputable company if not a scam. I have recently sent them a letter requesting them to send proof that these loans are valid since XX/XX/XXXX we filed bankruptcy on these loans and feel that they have been satisfied then.
I called Citi XXXX on XX/XX/XXXX well before my payment was due XX/XX/XXXX and spoke with two different employees. I asked for some consideration since I have been a good customer of two months of deferral of payment since I do not have the resources. I am self employed and was sick for two months in the last 4 months with both XXXX and XXXX twice. Insurance companies who owe me fee 's of XXXX have thrown me behind. they said XXXX does not do that I would have to close my account and would be charged the same amounts each month that I would owe now. 
I said I do not have this money and it can not be taken out of my account and as soon as I knew what amount I could pay I would get back to them. 
On XX/XX/XXXX they automatically withdrew XXXX two months of fees from my account leaving me without a paycheck to pay my mortgage for the first time in two months and to pay my lease for my office and food for myself? 
I can not make this up and it is now plummetting me further into a crises.
This account it should be snt to the insurance company at the time XXXX I have never advise of the collection.
XXXX XXXX  placed a wage garnish on my salary without appropriately letting me know. This account has passed the statute of limitations. XXXX XXXX  has responded to my complaint and none of what they addressed in their letter makes any sense. I want to take escalated action against this credit card company as they now responded with information that does not pertain to me. I never had an account of any kind with XXXX XXXX  or XXXX XXXX. They have also indicated that they have not perused any action against me to repay anything. I strongly believe that I have been fraudulently scammed and my identity compromised.I am demanding that any draconian unlawful action taken against me be immediately dropped and the wages unlawfully taken from me be immediate reimbursed. XXXX XXXX is known for falsely and unlawfully making claims against clients. They were in the past involved in a lawsuit according to this accusation. Without further adieu all claims of a wage garnish need to be ceased.
XXXX has missed report my payment history. They are reporting me as 30 days late on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I disputed, they realized I was correct and removed. Then they re-reported it. This has happened 3 times. I don't no if this a computer error or clerk error on their end. Its starting to effect my ability to borrower money. I have paid the account off and have a history of all my payments to show I have never been 30 days late. Please Help
We recently requested copies of our Escrow Review Statements, as well as copies of all account transactions occurring with our loan for the past three years. After reviewing the documentation, we have found that Wells Fargo is in breach of contract. The original terms of our escrow account and shortfall established by Wells Fargo Home Mortgage was for 60 months. This is confirmed in a previous Escrow Review Statement, dated XXXX XXXX. The Escrow Review Statement dated XXXX XXXX, XXXX now states our shortfall is to be paid in 12 months. The revised shortfall also includes mortgage insurance, which we have opted out and do not pay through escrow. 
We have a 60-month agreement that is not being honored. The demand for a change to 12 months is now a breach of that agreement. 
On XXXX XXXX, XXXX we sent Wells Fargo a letter describing the current breach of contract with us on our loan. On XXXX XXXX, XXXX we received a letter stating that they needed more time and that we should hear from them by XXXX XXXX, XXXX. On XXXX XXXX, XXXX we received a letter describing what they already knew regarding our mortgage insurance, but the breach of contract with the escrow account was not addressed in that letter and we have yet to receive any additional correspondence from them.
I noticed on my credit report today that there are XXXX new Chase inquiries. So far, I do n't see any new account and I want to make sure Chase does n't open or close the fraudulent accounts.
During XX/XX/XXXX, I XXXX closed my business ' checking bank account ( at XXXX ) and switched to XXXX. 
During XX/XX/XXXX, I called up Citizen One Auto Finance requesting a form to be set up with auto-payment through the new bank account. 
I was sent a form to fill out which I did. However at the beginning of XX/XX/XXXX ( sometime between the XXXX and the XXXX ) I received a call from Citizen One Auto Finance notifying me that my account is past due. I immediately paid the balance and requested again to be set up with auto-payment. 
I received another auto-payment form which I filled and mailed on XX/XX/XXXX. 
To my great disappointment and frustration, I received another call on XX/XX/XXXX notifying me again that the account is past due. 
At this point I started to ask questions. After spending 6 hours on the phone and speaking with over 10 customer representatives I finally found out that the auto-payment request form which was mailed on XX/XX/XXXX was only received on XX/XX/XXXX, a fact which I find hard to believe. Additionally, I was informed for the very first time that it takes up to 2 billing cycles for the auto-payment to be implemented. Had I known this fact, I would have continued to send checks until I would see the auto-payments coming out of the bank. 
Later on that day, I discovered from another representative that both applications were rejected because a letter from my bank specifying that I 'm a signor on the account was not provided along with the form. This requisite was not communicated to me during the 2 phone calls in which I requested the auto-payment set-up. Most importantly, this requisite was not listed what so ever on the instructions of the form itself. The form does say however, that if it is incomplete it would be sent back to me. That never happened! And when I called for the second time for the auto-payment set-up no one informed me that my first application was rejected or the reason. 
I feel that Citizen One Auto Finance was being deceitful and was withholding information to gain more late fees and hurt my credit score. 
I had to spend an entire day calling dozens of times and being told at times actual lies ( to discourage me to file a complaint with their credit bureau ) in order to discover the real reason the auto-payment was not implemented.
Income driven repayment I was approved for because I 've worked for XXXX over XXXX years. My payment history and or loan amount needs to be updated because the amount reported is hindering my credit report.
On XX/XX/XXXX I took my cat to the XXXX  after being hit by a car. The short of it, he needs an operation that costs XXXX $ to save his XXXX. I spent 5 years fixing my credit so I figure XXXX XXXX would increase my card to that. Nope ... Denied due to inaccurate reporting of an account by moneylion. My bank information did not update in their system which caused my payment to be THREE ( not 30 ) days late. I got back on a payment plan and paid as agreed. Upon receipt of a final payment from my mortgage refinance they FINALLY decide to report the account and report it late AND in collections and claim it's 90 days late. I was only late twice and both times, even combined, is less than 30 days.
AFNI has a XXXX collection against me for the amount of {$300.00} on my credit report. I have never been a customer of XXXX. So when I called, I found out it was for service at property address XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX in which I previously owned. Problem is, the account was set up and closed in XXXX and I sold this home on XX/XX/XXXX as you will see on the attached satisfaction of mortgage. 

Due to me trying to close on a new home ASAP, I asked AFNI to accept my payment in full but to issue a courtesy deletion as the account is not mine rather than go the whole fraud route. They declined to issue a deletion of the account once paid.
Funds were deposited in my account from an escrow account, by check. The funds were withdrawn in FULL from the escrow account ( XXXX  XXXX XXXX ) on the same day. CitiBank has taken it upon itself to dole this deposit of funds in a stretched incremental way! After consulting a lawyer and other banking individuals, I have determined this is NOT a usual procedure for funds that have been already paid/collected. I am therefore requesting a full and thorough investigation of CitiBank in regards to this practice, furthermore I request action on behalf of all clients and consumers of CitiBank services for compensation and or fines up to and including legal actions to prevent this in the future. Quick response and action in this matter is requested.
I was a victim of fraud. Using the service XXXX, i sent someone who was supposed to sell me an item {$300.00}, as requested on XX/XX/2018. I told Wells Fargo about the scam and they refused to do anything about it. Even though it was their service.
Collection company for XXXX XXXX project is collecting on a fraudulent account. I received no notification of debt or the ability to dispute the debt as invalid. I have filed a Identity theft report with the FTC as well as a complaint with CFPB and the AG of AZ. Direct contact with the CRA and OC as well as the debt buyer Penn Credit Corporation has yield zero results.
I already filed a complaint and this is the answer I got from SLS. Exactly what I said they were doing. Forcing me into forclosure. I filed a dispute as well and this is their answer to the dispute. Do I have any help out there???????????? 
Sincerely, XXXX XXXX XXXX
I gave a 30 day notice by fax and calling the apartment comlpex XXXX on the XXXX. 
I have called them and called and there telling they have no record. This has become a very frustrating. I dont know what to do at this point ... sorry but i need help ....
Navient the holder of my loan falsely reported i was 90 days delinquent on my student loan and ruined my credit now they refuse to fix there mistake!
They pulled my credit report without my permission i did not authorize this credit pulled so it put a hard inquiry on my credit report without my permissions