WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX was included in my Discharged Bankruptcy Docket : XXXX yet they are still reporting an unreleased judgment ( XXXX ) on my credit report and court docket. 
They were, inf act, served a notice of filing. They are affecting my financing and this needs to be fixed asap. 
Thank you
I have applied for a credit increase with my XXXX credit card XXXX. Capital one denied me several times. Capital one reason was I was making low payments which is not true. My current balance is {$590.00}. My credit limit is {$3500.00}. I always make payments on time and way above minimum. No late payments. Excellent credit score. I want a significant credit increase based on my excellent credit worthiness.
XXXX XXXX XXXX XXXX payed their portion of {$870.00} on XX/XX/XXXX. I received a voicemail from XXXX stating that my portion of the bill to paid is {$370.00}. 
Which adds up to {$1200.00}, the amount I owe to the XXXX XXXX XXXX XXXX XXXX. I have an itemized bill from the XXXX XXXX XXXX, showing a total amount due {$1200.00}, I also have a bill from the collections agency, Gragil, for that same amount. 
I called Gragil XX/XX/XXXX to check in and pay my portion of {$370.00}. The first gentleman I spoke with stated that XXXX, who is listed as the account representative was not available but said he could help. I informed him that XXXX has paid a portion of {$870.00} and that my remaining balance is {$370.00}. He said that he does show that XXXX paid that portion. He also stated that my remaining balance is actually {$700.00}. I asked him if he knew why, he said he does n't know, then told me he received an email from the XXXX XXXX XXXX stating I own {$700.00}. I told him I would call XXXX and he quickly said do n't call them, XXXX is looking into this but is not available today. He told me to call back after the holiday. I called XXXX on XX/XX/XXXX to confirm that they paid {$870.00} on XX/XX/XXXX, they did confirm that amount was paid to the XXXX XXXX XXXX. I explained to them what was happening with the collection agency, XXXX stated that they do n't pay the collections agency that they paid the XXXX XXXX XXXX XXXX XXXX and to call them. I called the XXXX XXXX XXXX XX/XX/XXXX I received an automated message that they are not in the office. I called Gragil today XX/XX/XXXX, another gentleman answered stating XXXX is not available but that he could help. I received a different story about why I owe {$700.00}. I told him he can not collect on a debt larger than what I actually owe, I explained I have the itemized bill in front of me. He states that he does see that my balance is {$370.00} but that I do have a collection fee. I stated that I have the bill from Gragil also, with no collection fee attached, no terms or conditions on my account. He stated that he could take off the fee and asked if I would be able to pay {$500.00}. I told him no, I do not owe {$500.00}. He stated that he will look into this and call me back. I have original documentation, my bill from Gragil does not show that I owe more than {$1200.00}. I called the XXXX XXXX XXXX, spoke with XXXX and let her know my situation, states that they did not bill me for anymore than {$370.00}, states that she does n't know why I would be charged fees and that what Gragil is stating is incorrect. XXXX stated that she would have the women who is in charge of this who is back in the office Monday get me answers.
On XX/XX/XXXX I paid my Santander mortgage account # XXXX by going to my local XXXX XXXX. This is how we always pay the mortgage to Santander Bank. The account # XXXX with Chase is the account I have always used to electronically pay the mortgage. The reference number Chase gave for this payment is XXXX and the amount was {$2700.00} paid. 

Since Santander Bank changed my mortgage payment by {$58.00} due to an increase in taxes, my new mortgage payment was increased to {$2800.00}. Santander Bank snet me a letter late XX/XX/XXXX that they have not received my mortgage payment for XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX, I went to XXXX XXXX and made an electronic payment to Santander in the amount of {$2800.00}. Confirmation number for this transaction was XXXX. 

During the course of a current refinance, on XX/XX/XXXX, I was informed by the loan officer, XXXX XXXX XXXX NMLS # XXXX from XXXX XXXX XXXX XXXX that Santander Bank is reporting my mortgage late for the month of XX/XX/XXXX ( 30 days ). 

After speaking with a representative by calling XXXX at XXXX XXXX, XX/XX/XXXX from Santander Bank named XXXX I was transferred over to a Supervisor. The supervisor refused to give a name of ID number and after 30 seconds the call was disconnected. 

At XXXX on XX/XX/XXXX, I called Santander Bank again at the same number, spoke to a woman named XXXX who said there is nothing that can be done so I asked for a Supervisor. After 15 minutes on hold I was connected to XXXX. 

XXXX told me after hearing my information that the {$2700.00} was held in unapplied funds account which is where mortgage payments sit until payment is made in full. I asked if this is an interest bearing account because if Santander Bank did this to numerous customers they can make a lot of money on client 's money that is " unapplied ''. They reported my account to the credit bureaus as 30 days late for XX/XX/XXXX. This is false, the mortgage was paid using the normal means ( XXXX online payment ) and my normal amount {$2700.00}. As soon as I knew the account was short I immediately paid the account for {$2800.00} on XX/XX/XXXX using reference # XXXX. 

I am being incorrectly reported to credit by Santander bank as not making a XX/XX/XXXX mortgage payment on time when in fact, I made two mortgage payment in XX/XX/XXXX. 

As of XX/XX/XXXX at XXXX XXXX, I am still on the phone with Santander Bank supervisor XXXX and have been on hold for 38 minutes waiting for a Supervisor on a higher level. 

Without Santander Bank removing the late payment to the credit bureaus I am going to suffer from a credit score decrease and more importantly, the refinance I have been doing will be dead along with the {$670.00} I will lose for the appraisal. 

Santander Bank needs to correct the reporting to the credit bureaus immediately so I can continue my refinance. 

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX email : XXXX cell : XXXX
This is the complaint on the services in association with Comerica Bank, Comerica Bank XXXX, XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX. 
This card is from Direct Express Treasury, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, XXXX XXXX XXXX. 
This debit card is required used for Social Security recipients. 
The complainant is a veteran and has both documented XXXX and XXXX diagnosed. 
This account has resulted in numerous card changes based on reported security problems, deficiencies, transactions problems. 
Transactions and withdrawals, cash back transactions have been swindled. 
Several fraudulent and many non receipted transactions have taken place. 
Complainant is XXXX XXXX. 
This card service is in need of investigations for fraud, other financial crimes, racketeering, swindling, financial problems. Predators, robbers, thieves, crooks willconjure, stalk, plan thefts against Social Security recipients, based on the receipt ofpayments on and around the first of the month and they know that recipients have debit cards. 
Complaints have likely been filed against these services in the past and are likely current. 
XXXX recipients may likely be victims of stalking, robberies, thefts, and other crimes associated with the Comerica Bank debit card account. 

To resolve this on going problem, investigations should be able to determine fraud, unwarranted surveillance practices, thefts, any other financial crimes, white collar, organized, financial, bank frauds, violations that are the result of this debit card required system. 
Customer services, merchants, ATMs, banks, may be responsible for problems, complaintsassociated with the use of the debit card system. 
Consumers who have been victimized by these fraudulent services need to be compensated andother financial services need to take the place of these fraudulent services. 

This institution is responsible for the insolvency and its many complaints that may or may not be documented. 
Banks closures are a recommended solution and will likely benefit the increasing continualfederal debt crisis as numerous other financial institutions have faced numerouslawsuits, litigations, rulings, cases, complaints, and the like.
My loan was transferred from XXXX XXXX XXXX to Carrington in XXXX 2015. Carrington was holding my XXXX payment in a suspense account. I informed Carrington that I was not accepting a loan modificationwhich was approved by XXXX, and that I wanted my payment applied from XXXX and to make my XXXX payment. I was told I was unable to make a payment even though my account was current! I sent in an opt out letter to which I was then told I could make a payment. I made a payment and requested that the XXXX payment get applied. I found out that payments have been received but now XXXX and XXXX payments have not been applied and my account is showing past due!
I want to help my son to be the first to go to college but I ca n't afford it. But with the encouragement of the representative/recruiter from the school, I was told I can take a Parent Plus Loan for my son not realizing the loan is solely on me. I was made to believe it will be on my son 's name. After graduating he had a difficult time finding a job so we requested to have a deferment. We have used all the deferment limit and now the loan is due. The loan was serviced by XXXX. The monthly due is over {$600.00}. I called XXXX to find a way to lower the monthly payment and I was given a website for NAVIENT and the company can consolidate my loans and lower the monthly. 
I called NAVIENT and was instructed to fill up the application on the NAVIENT website for the income driven loan. I did as instructed and the site required proof of income so I attached my 2015 XXXX. I got a response back but the monthly payment is higher than it is with XXXX. I called to confirm and I was told it 's because of my income and I have no dependents. I explained that for 2015, financial hardship forced me to take out my 401K and that is why it gross income is like that and I also made an error on the dependent information. 
I spoke to a representative named XXXX and he gave me a calculation that based on the information I gave him the monthly should be around {$300.00}, he told me to fax XXXX copies of my paystub. 
And he would update my files. I did as I was asked and days later I received a letter showing my monthly payment would be well over {$700.00} a month. 
I called again and I explained to the representative that the reason I applied with NAVIENT is the hope that I can lower my payments. He said there is nothing he can do to lower it. I told him to forget it and I will just deal with XXXX. He proceeded to say that the loan has been consolidated and XXXX has been paid and there is no way to undo it. 
I was livid and he said it helps me because now I can get a deferment again. This is outrageous!!! 
This is preying on people like me who wants to pay their obligation but the system they created only increases our debt. 
This puts me in a deeper hole because I certainly could not afford to make the minimum payments, this will ruin my credit and affect my future job opportunity. This puts me in more debt and in the verge of bankruptcy. And risk getting embarrassed at work when NAVIENT garnishes my check. 
I have been stressing out over this I hope something can be done. I have another son that will go to college in 2 years and I wo n't be able to help him pursue higher education because of this. 
Please help.
In XX/XX/XXXX, my private student loans, previously serviced by XXXX were charged off. I have been paying under a payment plan, in which I pay them {$250.00} a month at a reduced interest rate. I had my credit report pulled on XX/XX/XXXX and was advised by the loan officer that Navient has not reported any updates on my credit reports, XXXX, XXXX  and XXXX since XX/XX/XXXX. I have attempted to previously resolve this with the Company and it has not been corrected. I call again today on XX/XX/XXXX and kept getting routed to the Collection Agency they routed my loans to for handling, who could not assist me with the CBR issue. I was provided a phone number that did not work and continued to be re-routed to the collection agency each time I called. 

In addition, the collection agency advised that Navient only reports on a quarterly basis and they would not report monthly as the account is past due but being paid under a payment plan. The agent this offered me a settlement for one account at a time, which would require a 50 % down payment of the settlement amount, which is not feasible.
The company is reporting the incorrect balance to XXXX XXXX XXXX XXXXhowing on my credit report. Please have XXXX XXXXXXXX XXXX do an Validation fo Debt.
I received a letter from XXXX stating that I own over {$28000.00}, It may be for a credit card. I do n't have credit cards for the last 15 years.
My Name is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX XXXX On XX/XX/XXXX I purchased a XXXX XXXX XXXX for XXXX on XXXX XXXX XXXX XXXX, NC XXXX for XXXX the total loan with Santander US {$26000.00} ( Contract # XXXX ). I traded XXXX XXXX XXXX I know that I had a little negative equity in the car. I financed with Santander USA and my first payment was to start XX/XX/XXXX of {$600.00} for 72 months. I have been making my payments no ( 30 ) days late for over ( 2 ) years and I still owe a huge balance and it seems to be getting larger. I have pay {$14000.00} in payments and they have applied {$9800.00} in interest and still my balance is {$21.00}, XXXX It appears that Santander USA has been over charging me by adding a higher interest rate and applying some payments all to interest and other over 50 % of my payment to interest theres not any consistency. The first year my loan appeared to be going down then the second year it went back up and has stated up. I have had my car appraised and from what I owe Santander Im {$10000.00} upside down in my car were I will never be able to get out of it. Also, they just updated my balance on my XXXX  credit report {$22000.00} and the statement as of XX/XX/XXXX which is attached states {$21.00}, XXXX and terms showing 75 Months. 
This company has over 1,900 complaints with the XXXX and it responds to those complaints. Santander USA has misled me about the cost of the loan due to them putting my 1st payment on XX/XX/XXXX all {$600.00} towards interest and the 2nd one all but {$44.00} whole payment at times into interest. In the second year Santander started putting whole payments in interest and other payment over 50 % of the payment in interest again and thats when I notice that this is unfair high interest loan lending practices. They have me showing {$36.00} in late fees throughout the time I have had this loan. 
The way they are applying interest and principal payments is a way to throw you off so it will seem that its coming down but its not. Lender has hide and misrepresenting the true cost of the loan terms it appear they are having my terms at 75 month instead of 72 months also. This appears to be a scam instead of a true financing company. 

I have attached copies of the payment activity on my account # XXXX and other supporting document that might be helpful to resolve this issue. 
You can see how they have just applied what ever they wanted to apply my payment. 
I would like a resolution by Santander to correct the payments that are misapplied and for the correct interest that should have been going to interest. Also, correct the terms and the corrected balance on my credit reports. 

Thank you.
So we have a big issue with our escrow for this year that we need assistance with, I 'm not sure who to turn to on this. We got our annual escrow disclosure statement a couple months ago and our flood insurance had two separate charges, one for XXXX and another for XXXX. Our original flood insurance was {$420.00} annually. We called and spoke to both caliber rep and a rep from our insurance company, coming to the conclusion that they submitted our new flood insurance at {$7100.00} and the {$9200.00} was a goof up for some reason or another on their part. You see no one had let us know that they were going to increase our flood by 2086 % ..they also did n't send us paperwork about this nor did we sign anything that we would accept any of these new policies that they submitted into place in error and without our consent. So after much arguing with the insurance company and them having us pay to get another elevation certificate done they were able to " grandfather '' us in for an new annual flood rate of {$1400.00} and sent 2 refund checks of {$2700.00} and {$5300.00} XXXX to make up the difference. If you do the math this is obviously not going to cover the {$9200.00} and {$7100.00} they subtracted from our escrow account making it be in the thousands in the negative.-XXXX $ ++. So we then deposited total of {$6600.00} into escrow to try to pull us out of the negative. Which our XXXX deposit would pay everything we even owe for escrow regarding our taxes, pmi and insurances. They have adjusted escrow 3 times and still have n't taken care of the XXXX charge. Also on the updated escrow disclosure they have another XXXX charge for the new policy, however the XXXX is still in there with our added deposit to make up the difference. This is making our " new '' mortgage payments almost a thousand dollars more than our old payment. Also our taxes are less because we have homestead. Everyone is dragging their heels with helping us. We ca n't afford to keep paying for this mistake and afraid will have to sell our house or get foreclosed on due to this error. I have XXXX children to take care of and one of them has serious medical issues as she has a XXXX XXXX and XXXX XXXX that is already stressful enough to deal with without having this extra burden on me. If you could please look into this matter as I feel like what happened was unlawful and not within the standards of this industry.
I XXXX XXXX XXXX, HAVE NOT RUN MY CREDIT REPORT SINCE LAST 8 YEARS, NOW THAT I AM TRYING TO REFINANCE MY HOUSE THAT WAS ONLY ON MY HUSBAND 'S NAME AND NOW IS ON BOTH NAMES AND REFINANCING, ALL BUNCH OF COLLECTION COMPANIES ARE SENDING ME BUNCH OF LETTERS TRYING TO COLLECT DEBTS THAT I DO N'T REMEMBER TO HAVE BEFORE
Severely limited and expensive repayment options for Americans living abroad. 

My loans were first acquired by XXXX XXXX and then split off to Navient. I am an American living abroad for employment and as such, have no US bank/checking accounts. Originally, XXXX XXXX allowed for online XXXX payments. They took it away, leaving the only repayment option to pay with credit card -- but, they would only accept the payment by charging a {$14.00} credit card fee. When Navient took over the loans, they also accepted credit cards, also for a fee. I have accepted the fee, but now, in XX/XX/2017 Navient refuses to accept credit card payments. If you do not have a US bank account, there is ZERO option to repay the loans without exorbitant international bank transfer fees. This is XX/XX/2017, where most institutions allow for online payment options which include a credit/debit card option. To have a repayment system which discriminates against clients who would like to pay back loans but lack a US bank account is absurd. Especially as the system allowed for online XXXX payments in the beginning. This practice is deliberately set up to incur late payment fees, banking fees and other costs for any student loan holder not able to access a US bank account. While not accepting credit cards or XXXX ( supposedly ) lowers operating costs for Navient, it discriminates against expats who have the means and will to repay loans. In speaking with Navient representatives ( XX/XX/2017 ) about the latest decision to not accept credit card payments, they indicate they are aware of the problem for international individuals but do not yet have a solution. This is unacceptable.
This is a formal complaint against XXXX XXXX XXXX XXXX ( XXXX ). A visit to emergency room was covered under insurance and a claim was filed with my insurance company ( XXXX XXXX XXXX XXXX, Texas ). Insurance company requested additional information before they could make a payment. XXXX ignored the information request and reported the account as delinquent to a debt collector. XXXX never sent me a bill of any outstanding balance, nor did they inform me about claim denials. First contact on the balance was from a debt collector asking to pay up the entire amount. When I protested I was told to talk to my insurance provider as if it was their mistake. Spoke to XXXX and they said they have n't sent anything to the insurance company and that my account should never have been marked as delinquent or reported to the debt collector.
Was trying to get approved for home loan. Was turned down because Cit Bank NA reported on XXXX late payments and a foreclosure on my credit report after i filed chapter XXXX and never reaffirmed from advice of Bankruptcy Attorney
Short sale regarding Chase - submitted in XXXX and still do not have any movement - Chase is the XXXX and has been informed there is a foreclosure sale date on the XXXX lien - the file has been escalated with no response
I recently filled my Yearly Credit Report with Equifax, on XX/XX/XXXX. Then today, XX/XX/XXXX, I found out about the recent sqeuirty breach of their servers. I went to https : //www.equifaxsecurity2017.com/potential-impact/ to see if my info was impacted, It was. So I went to XXXX to place a 90 day account watch on my info, which is to be shared with the other major credit report bureaus, Equifax included. I believe they failed there responsibilities on their end by allowing this security breach, as the are required to collect and monitor my information by law.
On XX/XX/XXXX, I attempted to cash a {$100.00} check at a Wells Fargo branch located in XXXX, UT. I have banked with the institution for nearly 30 years. The bank asked me to provide them with both my debit card and " I.D . '' I provided them with my debit card and my non-expired government issued photo I.D . and they refused to cash my check because they did not accept my I.D . I asked them to provide me with a list of forms of identification they accepted and they answered by stating " they were governed by regulations and could not provide me with said list. '' After the interaction with the branch, I called Wells Fargo corporate at XXXX XXXX MDT at XXXX to inquire as to what forms of identification they accepted. They refused to provide me with a list and said they were internal policies and subject to federal laws that they could not provide me. They further explained that the policies can be determined by the individual branches. 

My complaint is that as a banking institution they should have transparency with respect to policies regarding basic banking operations such as cashing a check. In this particular instance, the banking institution clearly outlines what forms of identification they will accept to apply for a loan, but do not have any materials with respect to cashing/depositing/withdrawing/etc. monies from a checking account. By allowing the individual branches to set their own policies, as the Wells Fargo corporate representative told me, they allow for subjective and potentially discriminatory conduct. 

I believe Wells Fargo 's lack of transparency allows the banking institution to engage in discriminatory banking practices with respect to members and non-members alike of the institution. This discriminatory practice is explicitly verboten pursuant to federal rules and regulations ( see 15 U.S.C.A. 1691 )
i had a XXXX account connected to my citi gold credit card, the account had around XXXX aa advantage miles, i had trouble logging in to the XXXX account so i called up XXXX and they said they shut down my account. first of all i was never notified about it and i have not done anything against the terms and conditions to earn those miles.