WillisBack/dataset-financial-user-claim huggingface dataset:
Hi. I have tried this once before, and if this doesn't help the second time I will take legal action angainst santander. Santander had an old account on my credit report that should have been deleted. As I do not check my credit since these companies are supposed to report accurately, I didn't know they had this older item on my credit. It caused me to be denied for several loans and rack up a lot of inquiries. When I finally found out what was going on, I had the incorrect item removed from my credit, but the inquiries that were left as a result were still present. When I attempted to resume my credit I was again constantly denied, and the main response was because I had too many recent inquiries. This is becoming a pain to deal with. Unfortunately for Santander I am not a poor man and have zero issue spending money for a lawyer and having them pay damages for the lost revenue I have suffered because of their mistake. After my last complaint they sent me a XXXX letter saying they had the right to pull my credit because I applied for a loan through their affiliation with lenders. That's understandable, but I wouldn't be getting denied if those inquiries didn't exist unnecessarily in the first place. I am allowing them the opportunity to correct the inquiries on my profile as they should before I take legal action. I have already retained my attorney and he is ready to move forward as soon as they issue another substandard reply to the situation they caused me with their inaccurate credit reporting practices. I hope there is a peaceful resolution to this as I am a business owner and pay my bills on time. I don't even have a doctor bill on my credit profile. But if not, there will be a resolution. I feel as though, and my attorney agrees, that inaccurate reporting should be resolved and also the issues that arose from the inaccurate reporting should be resolved along with it.
An online purchase was made on XXXX/XXXX/2017 for the amount of {$460.00} The merchant was XXXX and the shipping company was XXXX. On several occasions, I notified XXXX  that I live in a high-theft apartment building and that my signature is required. I also informed XXXX that my building has an " on-site '' property management office that operates during normal business hours ( M-F/XXXX ), so if I 'm not home, there is an alternate option.
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I received a mobile text message to my personal cell number that the item in question was delivered. At the time I received the message, I was at my work office which is located in a different city ( XXXX, CA ). I immediately contacted XXXX XXXX customer service number and asked if the item was delivered to the onsite management office since I was n't home and there was no one there to accept the delivery. The XXXX customer service rep ( in XXXX ) said that it was delivered and that was all the info they had.
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When I got home from work, there was no delivery. I then initiated a " contested charge '' with Citi Cards and explained that the shipper ( XXXX ) did not acquire " MY '' signature and I did n't take delivery of the item and that either A ) the item was simply left at my door or B ) someone else signed for the item.
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Then I contacted XXXX again to get details about what happened. They said they spoke to XXXX and that they acquired a signature from someone named " XXXX ''. I explained that 1 ) that 's not me, 2 ) there 's no " XXXX '' at my residence, and 3 ) if you compared signatures from what was collected and mine, it would be obvious that they did n't collect MY signature.
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Citi Bank Billing Dispute Dept. " claimed '' they conducted an investigation, which did n't even include a signature comparison. I provided Citi Bank Dispute Dept. a signed document stating 1 ) I did n't receive the item, and 2 ) a copy of my California State Drivers Licence which has my signature on it as a reference. Citi Bank has stated that the investigation has been closed and they reversed the conditional credit. How is that possible?
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I demand that Citi Bank Billing Dispute Dept. apply a credit of {$460.00} since they did n't conduct a MEANINGFUL investigation which would have provided overwhelming evidence that XXXX failed to follow procedure in acquiring MY SIGNATURE for this item, OR, to follow the instructions given to XXXX to deliver the item to a secure location ( onsite property management office ).
Minimum payments were set up on my account for a long period of time. I have not used online services since XXXX therefore the over previous minimum payment was scheduled with a representative well over a year ago. The promotional APR ended on a balance transfer offer which resulted in a payment higher than the minimum ( well over prior minimum ) due. 

On XX/XX/XXXX I spoke with a representative whom removed a work number from my account as I havent had that number in over 5 years. At that time or before my preferred number XXXX was removed. Upon delinquency prior to negative credit reporting and credit line decrease to nearly the balance which also drops my credit score, Bank of America failed to notify me verbally of a past due amount.

The company sends emails with the payment and does not disclose the current payment is actually past due.

Upon speaking with a supervisor I confirmed there is no explanation of why a payment wasnt attempted to be collected on XX/XX/XXXX which would have prevented further late charges and negative credit reporting as well as credit line decrease. 

I am requesting this matter to be reviewed for more accurate ways of handling the verification of customers contact information and debt collection attempts to be completed at every time of speaking to a customer that is past due. As of the date I spoke with customer service and removed my work number while inquiring on balance transfer and promotional APR ending there was no discussion on my minimum payment that has been in effect not covering the new payment after the balance transfer promotional APR ended. 


Please research and review this complaint. I will be in contact with an attorney to seek restitution for this matter. 

As of XX/XX/XXXX my number was updated by a temporary employee to a do not call number without my consent which prevented the delinquent payment calls. 

My payment was made on XX/XX/XXXX prior to cutoff time and on XX/XX/XXXX my calls were incorrectly routed to customer service whom said I needed to speak to collections. The automated system continued to attempt to collect a payment in which was made over 24 hours prior. 

Please contact me at XXXX to discuss this matter in more detail. 

Contact information should be validated during each call or at minimum validated that it has not changed since prior calls AND representatives should be attempting to resolve delinquent payments on an account during any discussions with a customer. I am requesting resolution on this matter immediately.
At the very last minute, after business hours on the last day it would be possible for me to obtain a mortgage and close on the purchase of a home on time, and several weeks after the Bank of America had all the information they initially said they needed to assess my loan qualifications ( about XXXX pages of tax returns and other income information they required ), and also at least a week after the day they said they would commit to the loan, the bank pulled a " bait and switch. '' They told me I could get the loan only if I agreed to a higher interest rate than the agreed-upon rate. This rate they insisted on was 1.25 percentage points higher ( 4.75 % ) than their advertised rate of 3.5 % on that date even though I was putting down, and I put 25 percent of the purchase down. Since I would lose my {$5000.00} deposit AND the house I contracted to purchase if I did n't close on time, the bank knew I had no choice but to agree to the higher interest rate. 

I believe this may be a common practice of the Bank of America, one used to force mortgagors to accept substantially higher interest rates than those they advertise and contractually agree to. It is certainly a clever way to get around their obligation to meet their commitments and to force innocent loan-seekers into paying above-market interest rates. 

They also tried to force me -- though they eventually relented on this -- to garnish my bank checking account for a year-and-a-half 's worth of advance payments on property tax and homeowner 's insurance even though I had a long track record of paying my own taxes and insurance on other properties I own. This of course would take from me the use of my money over a substantial period of time and transfer the use of that money to the Bank of America. 

I am a senior citizen and a Bank of America " preferred customer. '' I keep about XXXX in my Bank of America checking account.
I put money down on a new home to see if I qualify for a loan. XXXX XXXX XXXX is the loan service for XXXX XXXX as XXXX uses incentives on the homes only if you go through XXXX. I put good faith monies down to start the process under the agreement that if I could not make the payments I would not move forward if that is how I interpreted the loan paperwork. I gave approximate 11K down for earnest and deposit. XXXX approved me for the loan knowing that I would qualify under there expanded loan terms but I was not aware until months later about going up to 50 % of salary. I figured I was close but thought under normal loan terms so I would not default. I disclosed all of my information to them showing I am going to be backwards in the loan with showing them my expenses but the refuse to deny my loan so I can get my earnest money back. With my current non revolving expenses I am {$800.00} a month in the negative and showed my expenses to them but say it is not their problem and will not deny. please help ... My belief is this happens a lot in my opinion to keep the earnest and deposit monies.

Attached spreadsheet of expenses revolving and monthly expenses. Non predatory lenders and home builders would back out if good faith was used.
Navy federal credit union is attempting to contact not just me but finding ways to contact my family after I have asked them not to contact me after XXXX as I am at work. They have taken it to the point of contacting not just me but my wife 's XXXX father, my grandparents, and my father after I have provided them no phone numbers but my own and stated do not call any numbers but mine
Both XXXX  and Equifax refuse to even allow an dispute of an incorrect collections on my credit report. The collection company has not only posted an invalid debt on my report, but has inflated the original amount owed by over 344 % in direct violation of the Fair Debt Collection Practices Act. XXXX was the only credit company to act quickly and remove it within a week. 

Equifax continues to state " I cant be verified '' and refuses to let me submit a dispute even though I have my most up to date credit report from them in front of me. Even their " Web email '' doesnt work XXXX   refuses to allow customers to submit their dispute online and wont even pick up the phone when called. 

I also attempted to submit a dispute through XXXX XXXX and received notification today that there was a " technical '' error and my dispute did not go through to XXXX
I 've attempted to send Central Credit Services ( centcreditserv ) the identity theft affidavit but their address is wrong on my credit report. I 've attached all supporting documents showing the return mail via certified usps tracking. Please help.. this is so stressful and I do n't see how collection agencies can just get away with this. 

Thank you
Two recent payments made to my KeyBank Latitude MasterCard account ending in XXXX from XXXX BillPay service were classified by Key as late, despite XXXX 's confirmation that the payments arrived before the due date. KeyBank charged late fees in the amount of {$27.00} and {$37.00} as a result. 

The first payment was in the amount of {$62.00}, confirmed by XXXX to have arrived by XX/XX/2016. KeyBank did not credit the payment until XX/XX/2016, 11 days later. 

The second payment was in the amount of {$89.00}, confirmed by XXXX to have arrived by XX/XX/2016. KeyBank did not credit the payment until XX/XX/2016, 11 days later. 

In both cases, the 11 day delay imposed by KeyBank on crediting the payments resulted in the payments being considered late for their respective billing periods. 

XXXX confirms that the address the payments are being sent to is : XXXX, OH XXXX This address is identical to the the address I was instructed to use in KeyBank 's letter to me dated XX/XX/2016, following a similar issue involving late-to-post payments.
I consolidated my student loans last year in XXXX with XXXX. I found out that XXXX loan through XXXX XXXX was not consolidated because they refuse to send XXXX the information about it. XXXX has continuously contacted them and no response. On XXXX/XXXX/15 I found out that instead of being sent to XXXX it was sent to collections. Now instead of the original amount, they have added interest and fines to XXXX the amount. I believe this is a total scam!
I found out today, XX/XX/XXXX, that Equifax may have leaked my social security number onto the internet. I used Equifax 's free tool to see if my social security number may have been affected, and their tool indicated that it may have been affected. I placed a Fraud Alert with all three of the agencies moments ago onXX/XX/XXXX. I attempted to retrieve a free copy of my annual credit report from all three companies today, but was unable to do so. As such, I am mailing in a manual request form to the three agencies to get a copy of my credit report from each of them. This manual request is being mailed on XX/XX/XXXX.
XXXX of my Navy Federal Credit Union credit card payments was past due and I was locked out of all account services online and on the app. I was only given a prompt to pay the bill. I paid the bill but was still locked out of all services because it takes several days to process credit card payments. I was unable to see my balance or perform any other actions. I then called Navy Federal and had to verify payment with them to unlock my account. I was only told that this was a normal part of the system. 

I understand why it happened, but the fact that it takes several days to process payment means that the system is impractical and potentially harmful as it is now.
On XX/XX/XXXX  PayPal gave  XXXX  {$100.00} out of my account. I protested as I had no idea who  XXXX   XXXX  was. By my own investigation I found this was  XXXX   XXXX .  XXXX   XXXX  emails me at lease once a day with pictures with women to date. When I try to open up the site I get advertisement from them to send money. In no way did I think that I was paying for their advertising. With farther investigation I found that PayPal on XX/XX/XXXX  sent  them {$39.00}. This slipped by me as I thought it was books that I had ordered as there was no way that I thought  XXXX  was   XXXX   XXXX  .
my parents mismanaged and froged signatures along with opening up and sending me my mail causing it to go down. XXXX fired 3 days notice and stopped of XXXX poayments 3 days niotice XXXX 2016
I made a transaction on XX/XX/2017 with COINBASE sending over 17k to another coinbase account but other account never received the money. I have made a complain thru CFPB once and when COINBASE received the complain they contacted me right away, which I tried to contacted them over a month but no response.They told me they will solve the problem in a week which has been over a month now. Its been 2 months I still don't have the money. This company is scamming so many people holding funds to make money out of it. I already lost XXXX in value of my currency transaction in 2 months and still they do not respond my emails and when I call they tell me they escalate the problem. They show CFPB and FTC like they are solving customer problems and once complain closed, they do not respond again. I believe what this company does it illegal. Please help
I opened a checking account at Bank of west XXXX XXXX XXXX XXXX ca. on XXXX XXXX. Reason I opened had offer of {$600.00} if balance above {$50000.00} to end of year. Offer said had to opened before XXXX XXXX. Person told me no problem on getting money. Had over {$50000.00} balance into this year. but they refuse to give me the {$600.00} bonus. Had contacted bank with no help so far.
I sent {$100.00} to a relative using MoneyGram XXXX/XXXX/2016. I received an email with the Reference # XXXX. The cost of their service was {$12.00} and I approved of this cost. I noticed today an additional {$2.00} fee is being charged to my credit card which I was not made aware of, nor did I approve of this extra fee. The receiver was told that the money was not available because the sender needed to verify information. I never received any message regarding the transaction was not complete, instead I received an email telling me to notify the receiver with the reference number.
I bought a car that had a series of manufacturer recalls. The work by XXXX XXXX of XXXX, XXXX was done repeatedly, by my records 14 times it was taken in. Each time more and more stuff was replaced on XXXX tab, being warranty related. The original symptoms of both the clicking noise in front suspension is clearly present. It is loud everytime you turn the wheel left or right, especially in a parking lot setting. I have videos of it with sound. XXXX out of XXXX people in a parking lot hear it and look. They can not figure it out, its been months. XXXX XXXX of XXXX did not originally log all the visit and preformed some work on days that arent showing in the vehicle record. that is my first concern. The second concern is after they put the rack and pinion steering on the vehicle there is a constant rubbing noise. It is clear there is resistance and friction, loss of power when driving the vehicle. This and the original clicking is still present. I moved to XXXX and tried a new dealership. They are able to hear the clicking noise clearly and advised they would fix it today. Today XXXX calls and reverts back to the previous excuse that they are unable to hear it. It seems like repeatedly XXXX is not adequately addressing my concerns and fixing the warrantied repairs that have already been done. I feel unsafe driving the car and want a master technician from XXXX to be setup to look at it. Please look into the case and send me a copy of all the case notes to my mailing address on file. XXXX cases were open for this issue with XXXX corporate. I and everyone on the road are at danger with me driving in the current condition. XXXX, please warranty and properly fix the damages on my car. I have a XX/XX/XXXX XXXX XXXX XXXX XXXX. The car is still under warranty, it needs a master tech to go on a road test, review the videos and fix. This personalized attention i begged for from the start and over 9 months later have not gotten the result, just excuses. Everyone is real real nice telling me why it cant be fixed though. XXXX is working on it now. Service adviser XXXX told me yesterday evening he could hear the noise but it would take time to fix. XXXX called me back, was very helpful and offered another road test. XXXX was off today. My concern is XXXX is giving up on me and the vehicle. The noise is very clear. Please setup a time to have another technician from XXXX to come test drive, diagnose and fix vehicle. Please escalate this accordingly. XXXX what options do you have? Please direct copies of all instructions in writing to my address on file and any records compiled. I would like all service records to date on this vehicle mailed to me. I would also like a technician from XXXX to be dispatched to try to fix. It 's been an unreasonable amount of time.
SLS wants to sell my home without try to Assist me first they are under law suites tor having the same pattern and doing the same thing to other home owners They only want to make me hone less from the beginning they effort is just to put me out in the street
During closing it was discovered that the lender has miscalculated the transfer tax of the property that I was purchasing. A phone call was made to the title company ( at the closing table ) to get the problem resolved. The title company contacted the lender, got the new transfer tax approved and sent us the new Final Closing Disclosure which was signed and notarized at the closing table. As a result of this change the final disclosure that we were sent and I signed showed that I was supposed to receive approximately {$2100.00} back from the title company as a refund of what I had wired to them for closing. I contacted the title company later that afternoon to give them information to rewire me the funds and they indicated that they had already sent me a check in the mail for {$55.00} which was what they owed me. I was told I had to then contact the lender to find out why my refund had been so drastically reduced. After several days on the phone with several different people at the lender, most of which would never answer or call me back, I discovered that the document we signed at closing and had to be approved by the lender was not what they say they sent to the title company as the Final Closing Disclosure. The only time I got to see the Final Closing Disclosure the lender says they approved was after it was emailed to me after being on the phone with the closer from the lender for several hours and him not understand my complaint. No one else, the notary, either realtor, myself, had seen the closing disclosure the lender says they sent until the end of the day of closing when I got it emailed to me as described earlier. Neither the lender or the title company currently is helping me out or finding someone at either business who can help me out. However I believe the money that is owed to me is the difference between my wire transfer to the title company for closing and the " Cash to close '' that was listed on the Final Closing Disclosure that WE SIGNED AT CLOSING AND WAS NOTARIZED AS SUCH. The lender says the lender credit due to me had been reduced because of the reduction in the tranfer tax which is why the cash to close went up on the version they say they approved. The pictures attached show the XXXX and XXXX pages of the final closing disclosure of the XXXX the lender approved ( higher cash to close and lower lender credit ) vs. the one that we signed at closing ( lower cash to close and higher lender credit )