WillisBack/dataset-financial-user-claim huggingface dataset:
I responded to an employment ad on the internet which took me a web site, XXXX, and applied for the XXXX XXXX position. I was interviewed twice and then I was sent ( 4 ) documents in succession to read and then pass written test. Upon successfully passing the test I was hiring the start XXXX XXXX for the company and XXXX XXXX XXXX XXXX XXXX XXXX. I was told once I successfully completed the first two assignments, I would receive a corporate credit card as well as a cell phone and lap top. Until my card was issued, I received an account number and a routing number that I would use to pay down my personal credit cards so I would have their money to make the required purchases. The account was with XXXX XXXX and upon calling them to use these funds to pay down my credit cards I was asked my name and if I was authorized. I told them that this was a corporate account put in my name to use to pay down my cards. At this point they made these payments toward my cards whenever I requested. After withdrawing over {$20000.00} the payments started to be reversed. I called XXXX to ask them what happened and they told me that this was not my account and that I was not authorized. Chase Bank credited my account with the fraudulent transaction. I called Chase and they simply refuse to cooperate. I asked them several times during the phone conversation that why don't banks feel they have a responsibility to verify authorizations prior to moving monies? Every time I brought this question up the conversation would take a hard left. This now leaves me deeply in debt with the banks that have issued the credit cards to me. My concern and question is don't the banks have a responsibility to the consumers to verify the account information and its authorized users? In todays world with identity theft being a major concern and problem I feel that the banks are being negligent and should be held accountable.
All credit cards or loans I have applied for have been denied due to fraud I used to live in XXXX and I moved to XXXX in XXXX so they have denied me because they thought I still lived in XXXX. And I recently got a state Id.
Company : Santander Consumer, USA Main address : Payment address :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX  , TX  XXXX   XXXX , TX  XXXX  Phone :  XXXX  I am   XXXX   XXXX   XXXX   and am submitting this complaint regarding Santander Consumer USA. Although, I only indicated one area of concern above, there are actually three areas : ( 1 ) billing problems ; ( 2 ) problem with fee charges ; and ( 3 ) problem with interest rates.
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I purchased a vehicle (   XXXX   XXXX   XXXX   ) from    XXXX   XXXX   (  XXXX , VA ) in  XX/XX/XXXX  for {$21000.00}. The monthly payment is {$6 20.00}. As of today, (  XX/XX/XXXX  ), the payoff price is {$21000.00}, which is {$320.00} less than the purchase price and over 24 monthly payments. This in itself ( still owing this huge amount ) is extremely disconcerning and absolutely a predatory method to attain revenue from customers that may have challenging credit. I have conducted extensive research about Santander 's practices and I am not alone in this abhorrent situation.
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I have contacted the vendor on a myriad of occasions in hopes of potential compromise or other suitable approaches that can resolve the issue. However, Santander continue to respond that since it is a Simple Interest Loan and that is the only loan that they execute, there is nothing that can be done but continue to make the payments. At the present rate, the vehicle will have been paid at least 3-4 times more than what it is worth.
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It is with the aforementioned unbecoming, predatory and unrelenting practices that I submit this complaint about Santander. This company and similar companies should not be allow to exist! I sincerely hope that there is something that your agency can do. As a   XXXX   XXXX   employee, good credit standing is crucial and Santander 's actions is a primary I can be reached at :  XXXX   XXXX
As of XX/XX/2018, Equifax somehow STILL has these INVALID addresses on my credit report, if you view my XXXX report, you will see that they DELETED all the addresses, but, somehow, EQUIFAX seems to STILL have them on my report, I have tried 5 times before making this complaint
My PNC account which I never use was overdrawn. I made the ACH transfer of the remaining balance and asked to close the account. They debited my XXXX account on XXXX/XXXX/2016 and it had still not posted it to my account after 3 business days. 

They are piling on overdraft fees while still holding my transferred amount and giving me incorrect phone numbers to resolve this issue.
Discover student loans apparently bought my loans. They have jacked up my interest rates to an unspeakable amount and made my monthly minimum payment unbearable. They are not willing to work with me on lowering the minimum payment and will not allow me to defer. I am a single mother of XXXX, i have been paying since XXXX and did not when graduate until XXXX. They call my cosigner sometimes up to four times a day before even saying to contact me. They speak to third parties about my private loan information and recently automatically withdrew a payment from a third parties account with out my consent. They are absolutely a fraudulent company judging by their history of being probed for student loan happiness and jacking interest rates and minimum payments up. I can no longer afford to make their minimum payment and they are unwilling to work with me. They are shredding my credit score and have me on the verge of bankruptcy.i need help!!
I called Citibank and paid for $ I owned them but they still blocking me from apply for a new credit card. I am working for credit card company, have a perfect credit history, also been bankfile with them for years ( over 30 years now ). Since Costco start offering CitiVisa, for my convinience, I applied once and was declined at Costco. I can go and apply for $ XXXX but not able to get a CitiVisa. This is crazy and shameful.
I mailed 2 certified letters to the University XXXX asking them to verify that the debt is mine. One was mailed XXXX XXXX, 2016 and one on XXXX XXXX, 2016. It 's been over 60 days and I have not received verification that this debt is mine. Per the FCRA law, they had 30 days to both mark it as disputed on my credit report and send verification. They broke the law but not responding and I want it deleted off of all XXXX of my credit reports.
I have disputed the charged off status of XXXX accounts that Experian shows as being charged off in the current month. I have sent in requests for investigation as well as provided them proof that in no conceivable way could the status of these XXXX accounts be charged off in the current months. 

Experian has consistently failed to investigate properly and each subsequent time has come back and updated the reporting to report the current month in which I disputed it as being the month the accounts are charged off. 

There is inaccurate payment history with these XXXX accounts that Experian fails to investigate or yield correct information. I have provided them proof on XXXX separate occasions that have yielded incorrect reporting again and again. 

Attached is a copy of the XXXX XXXX credit card account that display the inaccurate information. It is not possible for me to have a charged off payment status under these XXXX accounts since there is no balance due and the accounts have been paid and closed. Experian is knowingly reporting inaccurate information as I have previously provided them with evidence that these accounts are reporting inaccurately. 


The accounts are the following : XXXX XXXX which has inaccurate monthly reporting and other data issues. 
XXXX XXXX which also has inaccurate monthly reporting and other data issues.
I contacted XXXX and paid them once I realized I had a bill with them. I contacted scam collection agency which was rude and didn't believe I had taken care of bill with the hospital. I want the negative listing removed from my credit reports.
I contacted TransUnion, XXXX and XXXX about bankruptcy showing up on my credit report several times. They state that it was verified with the Court.  However, in XX/XX/2018 I receive letters from the Court stating they did not verify the bankruptcy with any credit company. I did send them the letter and the bankruptcy are still on my credit report to this day.
To Whom It May Concern : I am trying to resolve an issue with XXXX XXXX, XXXX ( also known as XXXX XXXX ). I am not aware of this matter that indicates XXXX XXXX became the servicer of this alleged account on behalf of purchaser, XXXX XXXX, XXXX. I sent a dispute in XX/XX/XXXX and in XX/XX/XXXX ; however, I did not receive a mailed copy of the verification information provided by the seller in XXXX of XXXX or XX/XX/XXXX as stated. I comprehend the concept that the verification information provided by the seller meets the requirements of the Fair Debt Collection Practices Act ( FDCPA ). However, after reviewing the consent decrees that XXXX XXXX has received concerning their business practices from the CPFB and other reprimands from various judges, I am not aware if this alleged account in question remains collectible, due and owing to XXXX XXXX as servicer for XXXX XXXX. Furthermore, this alleged account in question is " Time-Barred '' if the information they are providing is accurate as stated. 

Any unscrupulous debt collector could possibly claim ownership of one 's alleged account and send statements generated by new technology as verification ( see attachment ). I find it reprehensible that a company could report negative information to someone's credit reports without proper ownership. Debt collectors must prove they have the right to collect a debt and establish an unbroken, valid chain of assignment back to the original creditor. I have seen no proof for a bill of sale, an assignment, or a receipt between the last creditor and debt collector ( s ) holding this alleged debt. I am entitled to know the chain of assignment for this alleged debt that specifies who/what was transferred and to whom/to where it was transferred if this information is reported in my credit files. In addition, I should have received correspondence from the original creditor if this alleged account was sold to another entity because it was allegedly charged off the original creditors books. 

I expressed a concern regarding how the alleged account is appearing on my credit reports, not report. Each one has different information reported monthly that causes harm continuously. I have contacted the credit agencies concerning XXXX XXXX 's credit reporting. I was advised that the 3 credit bureaus input information into their systems according to the creditor or debt buyer 's electronically sent information. 

XXXX XXXX did not respond to the various postings of this alleged account and its monthly changes and listings as other on some reports and collections on another report to the credit bureaus. In addition, Past Due, " Recent Balance, '' FP ( Failed to Pay ) or C ( Collections ), and Terms listed as 1 month are not permitted by debt buyers. This information continues to exist on all 3 credit reports. 

A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. FDCPA 803 ( 4 ). XXXX XXXX is not my creditor, and I have never signed an agreement with them or considered an alleged amount is accurate.
In XX/XX/XXXX I was the victim of identify thief. Upon pulling my credit report and discovering all list of unauthorized inquires and accounts, I immediately contacted the credit reporting agent to place a freeze on my credit file. On XX/XX/XXXX I sent the reporting agency a certified copy of the identify thief police report, a copy of ID, social security card and a list of the fraudulent items in question. Despite my efforts, the credit reporting agency continues to send letters stating that I must contact each company individually. As a consumer faced with restoring my life after identify thief this is a very disheartening situation. Experian continues to violate my rights under the Fair Credit Reporting Act, by reporting information on my credit report that are fraudulent, inaccurate and not authorized. Due to their reporting negligence, this is ruining my life!
I requested a loan modification and was working with XXXX XXXX who sent me documentation that showed that I was approved for a loan modification and then I received a letter from law firm that my home is scheduled for foreclosure.
TCF bank charged me overdraft fees for over {$500.00} for a nsf of less than {$20.00}. They had never formally notified the customers of this change of fee, either by posting, letters in the mail or advertising. I was not aware of this ridiculous amount until I reviewed my account for the balance. I had written letters to them but never got a response. I had to pay off the fees and close the account to avoid being flagged for future banking business.
I receive many automated calls from this company. I do n't know the reason. They can write me with all details. I am in poor health and many phone calls are very worrisome.
Real Time Resolutions with respects to loan # XXXX has not provided us with any payment records amounts or dates. Also CA has the One Action Rule CCP 726, CCP 580 we are raising the objection to collection based on CA 4 year Statues of Limitations also there is no deficiency judgement. Real Time ( RTR ) filed erroneous documents under penalty of perjury In claim # 1 in Bankruptcy Case No : XXXX XXXX CA. XXXX XXXX with false payment amounts no dates and piece together untrue loan documents, under penalty of perjury. We a seeking Sanctions to be imposed on Real Time Resolutions ( RTR ) for harassing and violating The Fair Debt Collections Act. And filing pieced together false loan documents with no dates, under penalty of perjury.
A charge-off / lien has been reported to my Equifax credit file by XXXX. The charge-off is associated with an address I have never occupied or been associated with. Furthermore, I lived out of state during the time period in question. I have disputed with Equifax and XXXX and they are making it nearly impossible to remove the charge-off. XXXX refuses to allow me to file a fraud complaint without personally showing up to their local offices ( which are few and far between ) with a police report and multiple forms of identification including my social security card.Although Equifax agreed that I have never been associated with the address or account in question, they will not give me any additional information or assistance. They simply tried to upsell me on additional fraud and credit monitoring products. They also claim I am not allowed to speak to a supervisor or obtain any contact information from their customer service reps. 

This charge off is preventing me from refinancing my home and has reduced my credit score by XXXX points in comparison to the other credit reporting agencies.
My property sustained damages during Hurricane Irma in XX/XX/XXXX. XXXX   XXXX XXXX XXXX finally paid the claim in XX/XX/XXXX. Ditech received the endorsed check on XX/XX/XXXX, per overnight courier. That check was in the total amount of {$120000.00}. There was a previous amount in the escrow of {$19000.00}. That was paid on XX/XX/XXXX. They sent a check in the amount of {$2100.00}, on XX/XX/XXXX Today XX/XX/XXXX, they have not released any other funds, in spite they have had all the paperwork uploaded to their website as directed. The payment included roof replacement and other repairs to the structure of my property, however, there are payments included that are not related to the repairs of the home, like pack out, move, personal property etc. Those funds should have been disbursed to me immediately as they have nothing to do with the actual repairs, and it is my money that they are floating. It is beyond abusive. It is illegal. 

In the website under my account, the escrow, shows all the deposits, but a XXXX balance. Needless to say, I am very concerned. Ditech came out of Chapter XXXX in XX/XX/XXXX, and was delisted from XXXX on XX/XX/XXXX. I have no protection whatsoever on my money, which they are holding illegally. 

Every time I talk to them the result is the same ... .they take 14 days to process, etc. I am frustrated and angry. I have a perfect payment history with these people. They are not a bank, the mortgage is actually owned by XXXX XXXX, they only service the account and that does not or should not give them the right to hold unto any monies whatsoever. This has to change, as I know I am not the only one in this situation. Perhaps we need a class action law suit!
The US Bank have FAILED to respond my complaint filed on XXXX/XXXX/2015 within a reasonable time having all the financial record 's information on their files about my checking account 's overdraft coverage terminated without notice and the 400 minutes telephone calls recorded by the Bank which are sufficient information for the US Bank to respond to the Consumer Financial Protection Agency. Additionally, the US Bank 's Customer Survey of my call made on XXXX/XXXX/2015 which the US Bank offered the choice to have their customer service representative to call me back to present an apology for the abusive manner she exercise against me demanding immediate payment was not done.
I received a notice from the IRS stating that I owe {$2800.00} from a refund I should have received from Bank of America from over paid interest amounting to {$8500.00} in 2014, I never received a refund from Bank of America so I checked my 2014 form XXXX I received from Bank of America, in box # XXXX it states a refund of {$8500.00} in over paid interest. I have called bank of America multiple times per week for over 2 months with a promise at the end of every 1-3 hour phone call to be called back within 24-48 hours, I have received exactly XXXX phone calls returned from Bank of America. My tax accountant asked the IRS for 30 more days for Bank of America to rectify this situation, I am at the end of the 30 days and have gotten nowhere with Bank of America. I have faxed everything B of A has asked for as far as supporting documents, I need some help..
I have received XXXX calls from what I believe is a collection agency. They say they are looking for my niece. They claim my phone number is what she used for her primary contact number. When I call them on it and say they are lying they become rude and accuse me of lying. When I ask how they got the number they refuse to say. I have NO relation with my niece and there is no way she would have used my number. I have a small business and my number is my business number.
Please help me get my {$6500.00} back. Coinbase lost my total {$6500.00} transfer. 

I made wire transfer {$3000.00} on XXXX and {$3500.00} on XX/XX/XXXX from XXXX XXXX Bank to XXXX XXXX XXXX. The amount was never credited to my Coinbase account so I opened a support ticket two weeks later. 

On XX/XX/XXXX, I reported to XXXX XXXX Bank and filed this case as fraud. I also contacted Coinbase to refund {$6500.00} again. 

On XX/XX/XXXX, I finally received email from Coinbase that {$6400.00} ( {$20.00} fee ) was funded on my Coinbase account, however, it says " Buys disabled. '' I requested to refund {$6500.00}. 

On XX/XX/XXXX, Coinbase closed my account without notice. 

I contacted Coinbase multiple times to request the refund of my {$6500.00}, but no response. 

On XXXX, XXXX XXXX closed the original claim and reopened to escalate with online wire transfer claim. 

Now here I am, 6 weeks later, still waiting for Coinbase to return it. 

Deposit reference : XXXX {$3500.00} Deposit reference : XXXX {$3000.00}
I was behind in my mortgage payments because my husband was out of work. I had to borrow XXXX dollars to get caught up. I was told not to worry about the late free or the fees because they started foreclosure. I am up to date on my mortgage payment but I received a default notice saying I owe the fee 's. I do not have XXXX to pay and they will not work with me. Owen Loan Service is the worst mortgage company. They have so many complaints and bad review I can not understand why there are still around. I did all of what I was suppose to do. When you call XXXX person give you XXXX advice then you call back 15 minutes later and you are told the first person gave the wrong information. I ask them before to send me verification about not paying the late frees and other fees they told me they could not. Every time you get a letter from them it never has a person signature on it and you can never speak to a manger or someone high up. I do n't know what more to do I am at my wits end with this company I also found out that they were not paying my taxes as they were suppose to now I have a lien on my home. I called my homeowner to make sure they paid they just waiting for a call back I called them today. Please help all the poor people who have this company I ask you to get this company out of business.
I believe that Ocwen Loan Servicing is attempting to commit mortgage fraud. I have asked detailed questions as it relates to my mortgage and Ocwen Loan Servicing evades my questions about the mortgage on my property. I am a XXXX XXXX and has submitted XXXX RESPA requests to Ocwen Loan Servicing since 2013. Please help.
I went to apply for credit at XXXX XXXX XX/XX/2016. I usually get a text message letting me know that I applied for credit. However the inquiry went to my husband 's text message, and credit. I do n't understand how my information when I put in my social security number is going to my husband 's credit report. This should not be happening. I contacted the Credit Reporting agencies and they are not doing anything about it. I want them to fix them immediately. This is affecting me and my husband 's credit report. When I put my SSN in for credit it should not be reporting to my husband 's credit report. XXXX also changed my husband 's name to my name on his credit report. This is illegal, we never gave them authorization to change my husband 's name to my name. I need all of this cleared up from happening again. This is causing us a lot of problems with our credit. There are inquiries on my report and my husband 's report that does n't belong there because of this. They are reporting my inquiries on his report and his on mines.
I am in the process of trying to attain a home loan. The lender discovered a brand new collection dated   XX/XX/XXXX   from a company called "  SCA Collections , Inc ' ' on my credit reports. This collection is in the amount of {$200.00}. I 'd have gladly paid this if I knew I had any outstanding debts. I am alarmed becau se 1 ) I ta ke my FICO very seriously, having worked in  XXXX  fo r 15years, and   2 )  this debt collection company never reached out. I called them rep eatedly today (  X/X/17  ) an d a woman tried looking me up by my name, and by my social security number, and could n't find ANY debt associated with me. She explained it must have been a mistake, but she did n't offer any solution, and here I am with a poor FICO now. This is unethical. Please help. Thank you.
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX/ which has been deleted by XXXX and XXXX . XXXX  and XXXX  have both completed their research and determined that WELLS FARGO DLR SVC/ was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.