WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX XXXX XXXXXXXXXXXX To whom it may concern : Around XXXX, XXXX, I went to the branch in revere to opt-out my account to prevent incoming charges without my consent, unfortunately Santander bank, did not obey my request and they kept paying items without my consent. I previously sent a complain to you guys ( CFPB ) in reference to the violation and fraud that this bank is doing with the customers, but you did not take action of whatsoever with the bank. 

On XXXX XXXX 2016, I called again and I was assisted by a lady name XXXX and I asked her to please opt-out my account from incurring charges without having available fund to cover. She states it that my request will be in effect in the same day. To my surprise, again they did not comply with my request and they keep paying the bills without having available funds to cover them. These charges again were done intentionally just charge me over draft and sustained fees to profit themselves illegally. Within matters of 6 months, I have paid without my consent around {$930.00} just in feeds putting myself in a deficit in a monthly basics. 

These irregulating happens because you guys ( CFPB ) are not doing your job to protect customers from banks like Santander bank. They actually pick and choose what to do with the customers, they can pay charges without consent or they can stop paying charges without consent just to profit themselves. I requested long time ago to be opt-out from paying charges without having available funds, but my request was ignored and Federal Consumer Protection Bureau does not do anything to protect customers. 

Enough is enough and I want all my overdraft and sustained fees to be refunded to my account as soon as possible and I want Santander bank to complied with my request permanently. 

Please Consumer Federal Protection Bureau, act and protect your customers from banks that abuse the law under the table. 

FYI, I want you guys to investigate this bank not to send the complaint and received a response from them which will lead to nothing and they will keep doing the same. ( stealing money from customers ) Sincerely, XXXX XXXX, Your customer..
I have a XXXX year 4.75 % fixed FHA loan originally with GMAC mortgage and now currently with Ocwen Loan Servicing , LLC . My monthly payment including escrow and insurance was {$2700.00}. An escrow analysis was carried out in XXXX XXXX, 2015 and the escrow shortage in the amount of {$440.00} was generated. I paid {$2800.00} in XXXX and was posted on the account on XXXX, 2015. In XXXX, I paid {$2800.00} and it was posted to the account on XXXX XXXX, 2015 and in XXXX, I paid again {$2800.00} on XXXX XXXX, 2015, on XXXX XXXX, 2015 ; I paid the Escrow shortage in the amount of {$440.00} as requested. My monthly payment was not adjusted to reflect my fixed monthly payment in XXXX. I wrote a letter dated XXXX XXXX, 2015 requesting another escrow analysis to reflect an adjustment to a monthly payment of {$2700.00} which was the original payment. I got a letter from the research department that the monthly payment due on XXXX XXXX, 2015 will be {$2700.00}. Hence, the complaint that the action taken by Ocwen Loan servicing is unfair. How can the terms of the loan be changed to affect my monthly payment from {$2700.00} fixed payment to {$2700.00} especially when I have made up for the escrow shortfall as the last analysis reflected.
On XX/XX/2018 at XXXX XXXX time my maternal cousin received a phone call from XXXX XXXX XXXX claiming that I owe so much money on a checking account from Wells Fargo and if this matter isnt resolved they are going to take legal action. I called the number they left. It rang once then music started and then a man picked up. In the conversation I had he accused me of theft of stealing goods or services. I asked him for the name of the company he represents then I looked it up using XXXX and every thing that came up under that company was linked to extortion scam. When I brought this up to him, he immediately hung up.
Capital One will not remove late payments the reported on my credit reports in violation of FCRA XXXX XXXX a ) ( XXXX ) ( G ) ( i ). I have disputed this account several time and they will not remove the late payments they reported to the XXXX CRA 's. The account was paid in full and asked them to remove the late payments because I never received any FCRA XXXX ( a ) ( XXXX ) ( G ) ( i ).
A credit I obtained during college over 12 yrs ago was n't paid off. I have no idea what the actual balance is since I have n't rcvd any docs to support. I rcvd a notice of garnishment a wk ago, and the garnishment began today. The dates on the docs are from 2011 and at an address I have n't lived at for over 5 yrs. It was signed by someone I do not know and the person was n't at my home. I think it could 've been a groundskeeper at that apt complex. The court told me a notice was also taped to the door according to RAB Performance. Again, I had no notification of any court dates. I have since been told there is n't anything I can do at this point since I did n't attend the court date. I was also told I could n't appeal the decision since it 's beyond a certain number of days, but had I been properly notified, I would 've been able to attend court and/or appeal the decision.
I have been trying to do a short sale for months and have not heard from my mortgage company since XXXX. Please help me with resolving this issue as I have a foreclosure sale next month.
Miss handling of personal information cause by gross negligence of said company. Their website equifaxsecurity2017.com stated that I am currently under suspicion of having my identity stolen.
Hi Sir, I had disputed 4 transactions in XX/XX/XXXX on my credit card. As of today XX/XX/XXXX the case is still not resolved by chase and it was told to me by chase representative on the phone that I am not liable to pay these charges or the interest accrued on them until it is resolved. Now these charges have been reported to the credit agencies as past dues and my score is down by 150 pts. I would really appreciate chase to remove the past due remark from my credit report and also resolve this dispute asap.
I originally applied for a loan modification months ago. I was given unemployment forebearnce program. I then applied for a loan modification when my unemployment ended. I have been being declined 4 times. 

They keep saying that my new payment is going to be higher than my modified payment. I have appealed this because they are NOT taking into consideration that I am LOSING money from my trucking business and they need to take both jobs under consideration. First my XXXX income and then SUBTRACT my losses from my trucking income. 

Why issue a unemployment program forebearnce program and then NOT help someone get modified and put them MONTHS in arrears. I need my loan modified. 

I do not want to lose my house to foreclosure. Please help me.
Green Tree Servicing has force-placed insurance after receiving proof of insurance from both the insurance agent and borrower. Multiple calls, faxes and emails have not resolved this issue and they continue to charge their own insurance premium. Multiple voice mails for supervisors have not been returned.
I am being charged for {$380.00} from a collection agency for a debt allegedly owed to XXXX XXXX XXXX XXXX. I switched over to XXXX XXXX XXXX from XXXX but during my trial period decided to go back to XXXX, I returned all phones directly back to the XXXX XXXX XXXX store and was refunded the fees I paid for all 3 phones. A few months later XXXX XXXX XXXX was harassing me saying I owed over 3K, so after calling in and getting no resolve. I went back to the original store returned the phones and spoke to the rep ( XXXX ) who returned my phones. she called XXXX XXXX XXXX and said the issue had been resolved. She advised me to keep my receipt showing I returned all the phones and the money was refunded and not further money was owed and the account was fully closed. and now I am being harassed by XXXX XXXX XXXX for {$380.00} they claim I still owe XXXX XXXX XXXX  {$380.00}, this bill is fraudulent and I need it removed from my credit asap. Thank you
I payed speedy cash awhile ago and I do n't understand why that it is not taking of my credit
I do n't know if I completed the correct box but I truly need help with XXXX XXXX XXXX and do n't know where else to turn. I have disputed with the company and with the bureaus and nothing has been resolved. XXXX XXXX received an account from Specialized Loan Servicing and even the results I received directly from the bureaus indicate the loan was transferred not sold but actually transferred. They charged off a balance as per the response in the amount of {$49000.00} back in XX/XX/XXXX. XXXX XXXX then starts to report the account starting at 180 days past due. Not a collection account but an open account with a balance of {$63000.00}. Also a past due balance being different than the current balance. How is that even possible? If the first company charged it off then why is the second company showing late over 180 days. By the looks of my credit report they just charged it off last month. How can they hold a charged off account from one company for over 5 years then charge it off again? Then to make matters worse Specialized Loan Servicing shows in the payment history as having a balance of {$49000.00} as of XX/XX/XXXX. This seems to be a huge scam! It appears as though 2 mortgages were charged off.
XXXX posted a 60 days late XX/XX/2012 on my credit report. I have spoke with a representative by the name of XXXX XXXX and she stated to me that she will put in a request to have it removed due to an account error on their end. I told her that I don't have any knowledge of late payments and that I had automatic debt payment setup on my account. I informed her that there may be a processing error on my personal banking account or there transactional side. I can not remember the reason, but she said that she would correct it and send it to the credit bureau to have the 60 days deleted immediately. Please have them remove the late payments immediately.
Equifax - I provided Equifax with proof of a Tax Lien withdrawal. Equifax sent 1st notice stating that it did not exist. I again disputed the item and received a notice that it has been deleted. The item still remains and after 2 additional attempts to have the item removed.
I have XXXX ( XXXX ) inquiries on my credit file from this bank, dated XX/XX/XXXX & XX/XX/XXXX. I have not applied for credit with this bank, and have requested documentation on two occasions supporting their permissible purpose in accessing my files. I have received nothing but a brief letter stating that they had no documentation, as the applications were submitted on-line. My second request garnered no response at all. Pursuant to Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ], this access can only be obtained " In accordance with the  written instructions of the consumer to whom it relates. '' As they have no such written instructions, accordingly, these inquiries must be removed from my credit file immediately.
Ally Financial has not applied payments to the car loan accurately, and they have added months on the payments as well as reporting that I have 12 missed payments which is all false. They also report a late payment every month the the credit bureaus. The car loan was for 72 months, I received the car in XX/XX/2015, which means there should be 36 months left on the loan but Ally Financial is reporting there is 44 months left on the loan. The loan started at XXXX and 3 years later it is showing XXXX left on the car loan, IMPOSSIBLE. Based on what Ally Financial numbers I will be paying almost double for this vehicle which is a used XXXX. This company is stealing and will not talk and explain any of it. I can never get anyone on the phone to explain this, they only say what is showing which is the same thing that I can see from the online system which is FALSE.
I received a Loan modification with a interest rate of 2 % Fixed for 30 Years from my Lender in XXXX 2010 & Recorded as such with the County Clerk Office, Then I received other documents requesting my signature with a Interest rate of 3 % & the rate would subsequently Increase, .My Lender has consistently refuse to Honor the original signed Loan Modification agreement .I have contacted them on numerous occasions but to no avail.
I am submitting my complaint formally to resolve a situation that has been mortifying my emotional and financial stability for years, affecting my credit with incorrect information and preventing me from growing financially. Despite trying to solve it through the Credit Bureaus Dispute on multiple occasions, I have not been able to achieve it. The company XXXX XXXX reported in my credit report allegedly Late Payments from XXXX XXXX to XXXX XXXX ( see image XXXX ). These alleged Late Payments appearing on this closed XXXX XXXX account belong to a loan that was transferred to Navient in XXXX. 

The late payments that XXXX XXXX reported on my Credit Report for the last time on XXXX XXXX, XXXX, ARE INCORRECT and should not appear on my credit. I have never had late payments since by the time they accuse me of not having paid I was attending school. I contacted the company XXXX XXXX and they told me that no information of mine appears in any of their systems, however in the disputes that I submitted through the Credit Bureau their response has been that they will not make any changes. I do not understand as if they do not have information of mine in any of their systems, they continue to deny me the elimination of incorrect information in my report. 

Attached you can find official evidence extracted from my XXXX  Credit Report. Note in the image called " XXXX '' that XXXX XXXX reports late loan payments on the dates in which Navient was already positively reporting the same payments as it was deferred for attending the school. Additional see the document entitled " XXXX '' and " '' XXXX '' of the XXXX XXXX XXXX XXXX, University in which I completed my studies. The document is an official certification that I was attending school in the months in which XXXX XXXX reports to my credit the supposed Late Payments.
Federal student loans for XXXX school serviced by Navient. I have for many years had automatic withdrawal for student loan and never missed payment. I have 2 remaining federal loans with Navient. the first for {$12000.00} and another for {$8900.00} for a total of {$21000.00}, both a fixed rate at 3.625 %. I have for years sent the same payment every month for {$550.00} for both loans. Per their information with continued payments of {$550.00} every month until XX/XX/XXXX I will have paid off the loan. Based on the information they provided me, it will cost me over {$100000.00} over the next 16 years sending in {$550.00} every month to pay off this {$21000.00} balance. I called to clarify this and over the past 2 months failed to get an answer. I was told that once the loan reaches a XXXX balance, no more money will be withdrawn and if I continue to send in current payment with automatic payment and never miss a payment, then my interest rate will stay the same and they claim I should have loan paid off by XX/XX/XXXX. Per my calculations, {$21000.00} balance at fixed rate of 3.625 % with current payments of {$550.00} every month, this loan should be paid off in 40-41 months, which should be 3.4 years from now, which would be XX/XX/XXXX, NOT XX/XX/XXXX. I have been trying to clarify what is going on with my loan and loan payout. Multiple messages via email have been sent with clarification. I sent an email that I was going to lodge a complaint with CFPB and my State Attorney General Office and I promptly received a message from XXXX XXXX at XXXX extension XXXX with Navient. I returned her call and left messages several times but have yet to hear from anyone to clarify my loan payoff question. I hope this office can persuade Navient to clarify a very simple question about the date this loan will be paid off. <P/>Thank you
There are negative items listed on my credit report that are false. I do not owe these companies ( XXXX/XXXX, XXXX/XXXX XXXX ) any money. I want the negative items removed immediately. I have disputed this information with Experian several times, and they have not removed the false information. They also would not let place a statement on my credit report refuting these lies. Why are credit reporting agencies allowed to lie, and I have no recourse against them?
I have disputed the referenced account numerous times from  XXXX   XXXX  to  XXXX   XXXX ,    2017 wit h the creditor. I still have yet to receive a positive resolution. On  XXXX   XXXX ,  2017, I r eceived another credit alert from  XXXX  reflecting the incorrect balance Capital One is reporting to  XXXX ,  XXXX , and  XXXX .
I filed a complaint with General Motors about incorrect information on my credit report ie. They said I owed them {$170.00} which was supposed to be late fees the problem was that these late fees they spoke of was already paid because I was in the process of starting a new contract with them to pay off automobile because time had expired on old original loan with them in order to start new contract I had to first pay off old late fees which I did, I filed a complaint with XXXX  and XXXX  about this XXXX  corrected it with no errors then I filed a complaint with the consumer protection company about G.M still reporting I owed them {$170.00} which I thought they had resolved now my XXXX  credit reports G.M list my account as a chargedoff/ paid account .which is in fact wrong my account was never listed as charged off in fact I have evidence that it was listed as open even though that in itself was incorrect, my initial complaint was about the {$170.00} which I didnt owe because it was paid before I could enter new contract I contacted G.M and they said they could see it was paid off in XX/XX/XXXX before I entered new agreement that being so then how is it listed as a charge off? Im submitting copies that show my account even though it was incorrect was still listed as open and also where they added a comment about my reaffirmation of debt in XX/XX/XXXX even though there was none at that date, that comment was already listed in XX/XX/XXXX during a bankruptcy.. as you can see my credit account say open also it says there was no balance to payoff after XX/XX/XXXX which was my last payment. So wheres this comment about charge off / paid coming from there was no balance left they were paid in full, I just submitted an answer to in regards to how I felt G.M handled my complaint this was done prior to the new changes on my XXXX  report which appeared today XX/XX/XXXX I was under the assumption ( All ) mistakes were resolved as you can see they were not
I am a XXXX XXXX at XXXX University, XXXX, MA. On XXXX XXXX, XXXX, I became a victim of a scam and identity theft and I ended up losing {$3000.00} in gift card purchase ( {$2500.00} on Barclays credit card and {$500.00} cash ) after being threatened with arrest and deportation. I am a US XXXX XXXX and in hindsight, should n't have bothered to listen to the scammer who posed as the police sergeant from XXXX with all my personal info and convinced me on the phone that I had committed some unlawful act by not completing form XXXX. I filed a police report and referred to the following FTC link XXXX : XXXX which clearly states that in the case of stolen or fraudulent transactions, the user is not liable. As the police report clearly states, this is a case of " Larceny under false pretenses '' since the purchases were done against my will and under the influence of the scammer 's wrong claims. As a XXXX XXXX, I can not afford to spend more than a few hundred dollars each month and so a bulk charge of {$2500.00} should have been blocked by Barclays right away going by my spend history. Despite opening a dispute with Barclays and  sending them the police report, they have declined to regard that and hold me accountable for the {$2500.00}. I would kindly and humbly request you to intervene and help me in this case by letting Barclays know of consumer rights and help recover my {$2500.00} back and try and nab the real culprits. The scam artist made me purchase XXXX gift cards from the XXXX XXXX store in XXXX, MA using my Barclays card. Please note the gift card numbers below : XXXX XXXX XXXX XXXX XXXX The XXXX XXXX store manager was n't able to fully verify if those cards had been redeemed but said there was no way to recover the money or trace the redeemers. Please help! Regards
Citifinancial has not giving me credit for XXXX XXXX payment ; check # XXXX It was sent XXXX XXXX via certified mail # XXXX XXXX XXXX XXXX XXXX which shows that it was delivered by U.S Postal Service. It was sent along with check # XXXX which shows it was cashed by Citifinancial for XXXX, XXXX payment. Both payments were for the amount of {$550.00}. Also I included another check # XXXX for the amount of {$500.00} for partial payment of XXXX property taxes which has not been cashed by Citifinancial. There is also wrong information about the date a will finish paying my loan. I have not asked for a deferred payment plant since the beginning of my loan. Thus, I do not understand why Citifinancial is showing the last payment of my loan to be 6 month after the actual date it shows as the last date to be paid off. Also Citifinancial agreed to change the interest rate if I paid the first two years on time. Citifinancial did not honor the agreement. Enclosed documentations supporting my complaint.
My initial concern was that the point of filing for my ssn appeared to be incorrect when I was attempting to initiate a login for medical information, which prevented me from being able to access that information. The questionnaire indicated that it was using information from Experian. Subsequently I logged into the Experian website to attempt to correct the information, however since this was an ssn related issue, the website indicated I should call a toll free number, on doing so, I was provided a long dialog, but no way to communicate with anyone. When reviewing information on the Experian website, I also found that there was an additional ssn associated with my information. I would like to correct this, however it doesn't appear that Experian is even interested in communicating with the people whose lives they are disrupting.
There is a later charge on my credit history from XXXX approx. 20 years ago. It was due to the Postal Service on XXXX XXXX in XXXX XXXX FL loosing XXXX bags of mail. They lost my mortgage, car, utilities and credit card payments, yet XXXX 's is the only one still showing on my Credit History. I pay my bills as soon as I receive them. This is not right, or fair.