WillisBack/dataset-financial-user-claim huggingface dataset:
I had a loan opened up in XX/XX/XXXX with XXXX. A couple of months later Santander Consumer USA bought the XXXX company or loan. I made over 100 payments ( some not all the full amount but still made what I could ) on this account. I have spent my entire weekend computing the charges they charged me and the payments I made against THEIR copy of my payment history. They repossessed my vehicle in XXXX or XX/XX/XXXX. They charged off the account well before that while I was still trying to make payments and are still saying that I still owe them over {$4200.00} on the loan. They say that I was not paying off the loan because I kept accruing Interest fees DAILY when the front page of my original contract ( because Santander kept telling me THAT PAGE is ALL THEY had ) states that my loan was for {$15000.00} and that by the time all payments were made at 18 % as a YEARLY Rate, that my payments would amount to {$26000.00}. I made payments of WELL OVER {$26000.00} to their company. I know that they have had illegal allegations and lawsuits against them for this very thing. My husband and I are trying to buy a house and because Santander says that I still owe them over {$4000.00} when I have paid off every penny and then some of the original {$26000.00} loan I had with them, we are having trouble getting financed for our home. Santander has been asked MANY times by me to give me a FULL ACCOUNTING REPORT of my Account and they REFUSE to do so. They also REFUSE to give me a copy of the ORIGINAL LOAN PAPERWORK. They told me many times before repossessing my van ( which I finally just let them have voluntarily ) that I was accruing interest daily but would never give me a copy of my original contract to prove that to me. Most of the payments that I made to them they never even split up between Principal and Interest, they credited the whole payment to INTEREST and then they added fees that I don't even know what some of them were for. I do know a few were for the couple of times that they repossessed my vehicle because I got behind in the payment. They continually call my phone with an automated message to call their " servicing department '' when they took my van over TWO YEARS ago. They sold the vehicle for over {$2500.00} at auction. My payment history that I was able to get from their site before they took my vehicle shows a balance of {$2300.00} but they are still reporting to all CRA 's that I owe over {$4000.00}. Which the amount should have covered the balance due on the account. I have tried to work with this company but I know that they have a lot of illegal practices and have read a lot of complaints about them from other consumers for the very same thing on the internet. I can't find anyone else to help me get this taken off my credit or at least to have them fix it showing that I really do NOT owe them anything. This is why I am reporting them to the CFPB.
Company, Republic Finance, h as  left 7 voice mai ls on my cell phone since  XX/XX/2017   .     Calls have originated from several different  # s, s ome from the 'call-back ' number left in the message, others from a number where the  last two digits may dif fer from the call-back number,  XXXX  They are looking for someone named "  XXXX  '' ( spelling is a guess, being pronounced as sounding like   XXXX   XXXX  .     There is no one at that name here. I do not know anyone by that name, and have had this phone #,  XXXX , for over 10 years.
I was in XXXX My " debit '' card that I use for ATM purposes was compromised and I was defrauded of about {$2000.00} This international bank does not have a telephone or sms service to alert to a fraud, but they send out an email since it 's a debit card. 

With time difference and my travels for XXXX, I missed the email and was defrauded of about {$2000.00} The bank maintains that since it 's a debit card, I am responsible for the loss even though I explained to them that fraud occurred before its alert email. and once, I had called them in response to the alert, no further fraud took place. 

For a credit card abuse and theft, there is a complete protection. Why do n't banks offer similar protection for the debit cards when they issue them in the first place
This is a formal complaint and request for investigation into the retaliation and unfair business practices of both Bank of America and XXXX. 

I filed complaints against both of these banks for egregiously excessive bank fees and charges related to unfair credit card charge backs on my business account experienced from unscrupulous ex law firm clients and wherein our previous merchant service " XXXX XXXX '' " shot first and asked questions later '' and withdrew large amounts of money from our account and then maintained their illegal and unethical policy of " holding my funds '' for 90 days or more, even if we provided XXXX XXXX proof of credit card authorization and permission and signatures from those clients. 

Those clients may not have liked the work, or liked our final billing invoices, but they certainly authorized such payments. 

After these unlawful charge backs our bank accounts were negative for 90 days, and every single XXXX placed in these accounts were sucked into XXXX theft. 

Meanwhile all automatic ACH Payments and checks already submitted were denied and humongous fees as high as {$170.00} were assessed by these banks for each failed ACH transaction. 

To make matters worse even though I called in to put stop payments on checks and even to remove automatic ACH transactions for insurance, advertising etc, these banks refused to heed or listen to me and continued to assess these huge fees again and again, thus driving these accounts further into the negative. 

After I filed complaints with the XXXX and Consumer Financial Protection Bureau and other agencies, these XXXX banks responses were to close my accounts in a retaliatory fashion, " write off '' this manufactured and false " debt owed, '' and then forever BLACKLIST me and my law firm business ( using my social security or business tax ID number ) from ever opening up a bank account with them in the future. 

2 weeks ago I was denied a ban account opening at Bank of America in XXXX NJ because of this unfair " blacklisting. '' It seems that because I merely exercised my right as a taxpaying American who was victimized by these banks 's and merchant account behavior, coupled with the unfair and illegal methodology exhibited by XXXX XXXX XXXX XXXX ( another previous recipient of my complaints to the CFPB and XXXX, as well as a lawsuit which I won ), that I have been illegally and unlawfully BLACKLISTED and prevented from opening a bank account with these XXXX banks, as well as other banks, because they apparently share this false information against me, thus causing other banks to also deny me an account or give me trouble and difficulty if I do in fact manage to secure another bank account with a different bank. 

Please aggressively investigate, and advise. 

Kind regards, XXXX
This is my second complaint against Convergent Outsourcing in the last XXXX weeks. Today, when I got home from work, there was a message on my HOME anwering machine to call them about account number XXXX. This is a WORK related account, not home related. They had NO right to call that phone number, especially since it is unlisted/unpublished. I am attaching a copy of my last statement from XXXX XXXX, showing a credit balance of - {$80.00}. 

I called them back and I was NOT nice to them. I probably will be filing in civil court against them very soon. 

Unfortunately, I erased the message, as my wife would have had a bad reaction to the message, eventhough XXXX XXXX and Convergent Outsourcing are in the wrong.
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/XXXXon Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
I had a XXXX credit card limit on my Bank of America card. A XXXX balance I owe. I have been with them since 2008 and never been 30 days late, also re-paid all XXXX balances on time. Just now they made my credit limit exactly what I owe. Damaging my credit report as if I maxed my card to the limit. I have always paid back and never been late, they had no reason to reduce my limit after just raising it. I called the company to complain and she said you do n't have any 30 days late on our records, but we will have to pull another credit report to change it back to XXXX. Why should my credit score go down on an inquiry for a limit I already had? I have an XXXX XXXX with a limit way higher than that.
I have written all three Credit Bureaus EXPERIAN, XXXX and XXXX about my daughters XXXX  student loans still reporting on my Credit Report way passed the seven year mark. The following dates are listed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I feel that the loans should be deleted because its past seven years. XXXX has also deceived me in the past asking for my Pay stubs saying I would be in deferment and they have constantly added lates every month recently as if I should be paying. They never put anything in deferment but have been constantly adding lates and dropping my score and the credit bureaus have allowed this. I ask for a fair investigation and they failed to provide that if they did they would see that XXXX is reporting and inaccurate and would have deleted the account for being inacurrate or for again it being passed seven years. XXXX is not the only account passed the seven year mark still reporting. I have a XXXX account and a XXXX account from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX both again passed seven years I feel the bureaus are almost getting a kick out of seeing my down and not be able to obtain credit because I have wrote them several letters concerning this and I have been treated unfairly
I had a credit card with Home Depot,

in XX/XX/XXXX I refinanced my mortgage and all of my bills were paid in full. This was XX/XX/XXXX I called all of my credit card companies closed them all. I have been getting since XX/XX/XXXXbills fro

m Home Depot with late charges, and phone calls every day and bills once a month. I do not owe them {$110.00} for late charges. I think this is unfair, I have not been in a Home Depot since. Please help me
In XXXX my wallet was stolen from me, it contained all my personal identifying information. MY driver license, debit cards, credit cards, social security card as well as insurance information for myself and my children. I replaced my ID, SSN card and canceled my debit/credit cards. However, someone has fraudulently opened accounts in my name on numerous occasions as well as made hard inquiries with my information all without my knowledge. After contacting Experian by phone I was told the information I needed to submit in order to have the fraudulent accounts blocked from my credit report. On XX/XX/XXXX I mailed a Federal Trade Commission Identity Theft Report to Experian at XXXX XXXX  XXXX, XXXX TX XXXX. This certified letter with return receipt was received and picked up on XX/XX/XXXX by Experian see attached documents for proof. On the FTC ID theft report I listed the following account as FRAUD " XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX  '' Account number XXXX opened in XX/XX/XXXX and " XXXX XXXX '' Account number XXXX opened inXX/XX/XXXX. I have contacted Experian on numerous occasions spoke to numerous customer service agents as well as the fraud department disputing these accounts but yet Experian continues to report the inaccurate information on my credit file. This is unacceptable. I have not heard anything back from Experian regarding my ID theft Affidavit and am extremely upset. I am officially challenging your right to report the erroneous information listed on my credit report. You are not supposed to be storing information in your files as it is provided to you by creditors. THE LAW says you are supposed to verify and validate the information supplied to you first. These accounts do not belong to me and should be BLOCKED from my credit file. Please be advised that according to FCRA SECTION 605 ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have provided all this info by certified mail and through fax. All I want as a consumer is to have an accurate credit file. I have utilized all my available resources. Please see all the attachments I have provided. I want these accounts BLOCKED from my credit file as stated by FCRA Section 605, the 4 day period has passed you should have more than enough information. Should you fail to follow the LAW and continue to report fraudulent information under my SSN I will file complaints with BBB, FTC, ATTORNEY GENERALS OFFICE, TEXAS COMPTROLLERS OFFICES AND SO UNTIL THE MATTER IS RESOLVED. As well as seek the assistance of an attorney. Thank you!
The company telephone Rep stated they would take my tax return for this year when I had debt protection that was never used I contacted USaa when I lost my job in reference to this matter and that I wouldnt be able to make the same payments of XXXX $ monthly due lost of employment and I purchased debt protection and I paid for debt protection and they did not apply it to my account the car was hit by a school bus while parked and the claim inspector was coming out to inspect the car and I explain that to usaa and I asked will the car be repossessed because my debt protection still has not been applied to my account the agent stated no if it was in accident and needs to be look by a inspector that it wouldnt be respossesed and the day the inspector came the car was gone
I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your XXXX. in accordance with the Fair Credit Reporting Act, 15 USC section 1681i. 
XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX/XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXAcct # XXXX XXXX XXXX XXXX Acct # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act
According to Experian 's report number  XXXX , the  XXXX  account should be removed as of  XXXX    XXXX   ( I have had difficulty getting them to remove accounts promptly in the past ).
In XXXX of last year I opened a new account with a requisite {$50000.00} to take advantage of the promotion that the customer service person mentioned to me ( while I was in the bank on another matter ). I did open a new account and brought {$50000.00} 'new ' money into it ( broke it out of another very good paying interest account with a credit union ) .The promotion indicated that I would receive a bonus {$400.00} after three months of 'new ' money in a new account. 
In XXXX of this year I called customer service asking when that bonus would be available, having left the deposit untouched since XXXX. I was told ( by a very pleasant gentleman, XXXX ) that it appeared that my account had been deposited into another promotion that was running simultaneously and that would yield additional interest, but no {$400.00} bonus. I told him that I had even confirmed this bonus program with the ad in the local newspaper and XXXX said that of course Citi would make good on its commitment and I would receive the bonus. He said that he had spoken with his supervisor and that person would call me within the hour. No one called. 
In the morning, I received a SECURE message. XXXX that needed a special password to open - no password was sent to me. So I called again and spoke with another very pleasant gentleman, XXXX. XXXX researched my situation and again confirmed that Citi would make good on the commitment. The secure message indicated that I would receive {$23.00} as additional interest, but no bonus. XXXX actually deposited the remaining {$370.00} to my account to make the {$400.00} bonus. I was very pleased. 
The next morning I received yet another SECURE message, this XXXX indicated that the original {$23.00} was correct and then the {$370.00} was whisked out of my account. I called back very disappointed, spoke to several people in the XXXX XXXX call center until I finally got back to XXXX. He said that he had exhausted all of his avenues and I would need to go to the branch where I originally made the transaction and speak with them. 
I did that - the manager is no longer there, the customer service representative is no longer there. The representative that tried to help me was told that there were XXXX promotions going on at the same time and I was enrolled in the extra interest XXXX, not the bonus XXXX ( heard that from both XXXX and XXXX ). Note that I was unaware of the extra interest promotion at the time I was told to bring in new money for the bonus promotion. All of the people I spoke with told me that Citi would correct the error and make good on the commitment - although not XXXX has been able to do so.
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Transunion has me stated as having an account with XXXX that is supposed to be deleted from my credit file. The account was closed on XXXX XXXX, yet Transunion claims that the last date of payment was in XXXX ... which is incorrect and not even possible. Why would anyone pay on a closed account? I spoke with a representative at XXXX Bank and they say the information is correct and they TOLD Transunion and they still have not deleted it. If the account in question was closed in XXXX XXXX, then the date of first deliquency had to me months before, meaning past seven years. On XXXX ( which is owned by Transunion ) they even state themselves the account was closed in XXXX.
I'd like to know what is the total interest that I have outstanding on my loan. SunTrust will only send me an amortization schedule in .pdf form ... but they refuse to add up the total. The contact center rep and his supervisor indicated that the amortization schedule is generated by the " system '', and that there are no resources in this bank of 23,785 employees to do add it up for me. 
This means that I ( and all other SunTrust mortgage holders ) will have to manually add up the schedule of 170 seperate payments ( 12x15 years ) for the total amount of interest I will pay on this loan. 
I suspect, that the bank wants to hide the total interest that I owe on on this loan ; as this figure is probably quite high. That's unfair. 
I would appreciate it if the CFPB would investigate SunTrust Banks , Inc. and encourage the back to be more transparent in providing loan information to its customers.
Dear Sir/Madam, I would like to file a complaint about Discover Bank regarding a missing transaction. 

On XXXX XXXX, 2016. I authorize Discover Bank to draw XXXX dollars from my XXXX account and XXXX did debit this money to Discover Bank. However, after it received the money, the Discover Bank reverse this ACH transaction to XXXX on XXXX XXXX, then, the fund is missing. XXXX have never received it. And Discover Bank claim the fund is no longer in their side and do not want to take responsibility at all. 

I have call Discover Bank several times and even have a three way phone call with Discover Band and XXXX on XXXX 2016 from XXXX XXXX to XXXX XXXX. During that three hour phone call, they check everything, and the conclusion is that the Discover Bank Claim they either never receive the money from XXXX or have returned the money to XXXX, and XXXX claim they did send the money to Discover Bank ( the fund send on XXXX XXXX and clear on XXXX XXXX ). 

As a result, the fund is missing, and either of them want to take responsibility for clients. 

As a personal view, I do believe in XXXX and believe Discover Bank XXXX lie to clients. 

I have all the documents to prove my statements, including the letter that Discover Bank sent to me saying they have returned the XXXX, 2016 ACH fund to external bank ( XXXX ). And I have XXXX 's confirmation number of the initial deposit to Discover Bank. I will attach those information to CFPB to better support the investigation. 

Thank you very much for reviewing my case, Best regards.
Dear CFPB Investigator, How are you? 

The report I like to make today is the concern of the potential criminal activity with my file at XXXX. 

1. XXXX XXXX XXXX open at 2018 closed 2. XXXX XXXX at 2018 open 3. XXXX XXXX XXXX XXXX at Houston 2018 still open 4. XXXX XXXX at Houston 2018 still open The suspect is the XXXX   Police Department officer name : XXXX XXXX.

Her potetial criminal activities are : Cyber Crime Law - Computer Criminals target people online for various financial scams, which have become so prevalent that many of these crimes go unreported - Harassment and Stalking - Activities relating to material constituting medical malpractice - Procedural laws refer to government agencies and their authority to get electronic data from internet providers, third parties and computing devices Crimes against property - Larceny - Embezzelment I am working on a report for FBI at XXXX, and if you need further assistance please contact me, thank you.
ERC and XXXX are apparently collecting a debt from me and it is negatively affecting my report. I have n't been contacted by XXXX or ERC and I do not believe I actually owe a debt. I have paid XXXX for every service ever offered to me. I have been with XXXX for over 5 years now. Why does XXXX and ERC believe I owe them money. I have XXXX in my account ... why would I not pay an {$87.00} fee. DOES N'T MAKE SENSE. I could pay this but for some reason this report is false.
I made a prior complaint regarding the same issue and they tried to fix it than fixed it partially. 

I have tried over and over again to have the bank fix my mailing address issue. To date they still have not fixed this issue. 

I simply asked them to send my mail for all my accounts with Td Bank to my XXXX XXXX XXXX but some accounts they fixed while others they still have not fixed.