WillisBack/dataset-financial-user-claim huggingface dataset:
I had medical issues and got behind on my payments on a loan secured by furniture and a signature loan. I kept in touch with the loan company, however they continue to call me and threaten me. They have said that they want to know what time they can come pick up the furniture, told me repeatedly that they would sue me, garnish my wages, and put a lien against my home on both loans. They try to force me to come in on a particular date and I tell them I do n't have the funds and can not come in on that day so then the threats start. They have come to my home ( I was n't here ) and left a card. They called my sister and told her to contact me and tell me that I had 10 minutes to call them back. This was approximately four days after I had been in their office and made a payment. They ca n't use the excuse that they did n't know how to locate me and needed to 'find ' me since I was in touch with them the week before. When I talk to them they can never tell me how many months I am behind. They say that my payments are n't full payments and when I ask why, they say that late charges are being taken out. I have asked them repeatedly to send me a print out of my payments and how they are applied ( this is especially important because they told me I missed a payment in XXXX and I see where I made it ). I have yet to get anything to verify the dates they 're saying I 'm behind. One person says I 'm behind since XXXX, another person says I 'm behind since XXXX. I 've even asked for the amount of late charges so I can pay them and they can be applied to the months they say I was short. I was n't short, I paid the required amount, they allocated it and make it appear that I 'm months behind on payments. Yesterday I was told that my account had been sent to an attorney for collection a month ago but I made a payment and they pulled it back. The manager said she was sending it yesterday to the attorney because I told her I did n't have the money and could n't come in before the XXXX. Then today she calls my job and leaves a message requesting employment verification ( I saved the voicemail and attached it to this complaint ). I 'm at the point where I do n't want to talk to them since it does no good. And all they do is threaten me with lawsuits and garnishments. Is it even legal for me to send in a payment for the month and they only apply part of the payment because of a late fee and then say I 'm behind in that month 's payment?
XXXX / XXXX /  XXXX  ! Cvcs collection co, took m y Ssdi mo ney from a on line account!
I recently checked my credit and I noticed my reports for  XXXX ,  XXXX  and Experian contained inquiries from companies to which I did not grant permissible purpose to pull my report for any reason. I have no idea how they could have gained access to my information without my consent but it is damaging to my credit and I want them removed. They are as follows  :   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  Experian :   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  I also think that it is strange that the multiple pulls from  XXXX  and   XXXX   XXXX   were placed on several different dates.
XXXX/XXXX/XXXX We agreed to purchase a wall furnace from Terrys Heating and XXXX, XXXX XXXX, Idaho. They stated we could have a contract for 60 months and the lender would be Wells Fargo Bank. We stated we did not like Wells Fargo, but they stated they were the only bank setup to carry their contracts. We filled out a credit app and was approved for the contract in the amount of {$3200.00} which included a {$1000.00} down payment. The contract states a 9.9 % interest rate with XXXX equal payments {$61.00}. We were sent a credit card from Wells Fargo that XXXX XXXX Projects, Terrys Heating and AC which they stated just ignore. We began payments of {$61.00} in XXXX XXXX and have made XXXX payments. Wells Fargo Financial XXXX. XXXX XXXX, XXXX Texas XXXX accepted the first XXXX payments without a problem. However, in XXXX they began charging an extra fee. A late fee of {$27.00} and interest of {$26.00}. The check was mailed the XXXX of the month and not posted until after the due date of the XXXX. They asked for a payment of {$88.00}. We sent our {$61.00} payment as due by contract. In XXXX we were billed another late fee of {$38.00} and interest of {$26.00} and a payment of {$120.00}. Our check was posted on the XXXX After calling them there was no resolution. They stated they had no control over the posting date or the mail. They refused to remove the fees. It is apparent they have converted the contract into a credit card account which we did not agree to. Our balance right now is {$3100.00} nearly the same amount we began with. These fees were posted fraudulently and not agreed to. It appears they plan on adding fees every month and ignoring our original contract. We are angry that the account is now a credit card account which we did not agree to and at the current rate it will clearly not payoff in 60 months. We went to our bank today and got a personal loan and paid off the balance of {$3100.00}. We have a higher interest rate and a higher payment but atleast we know we are secure in the amount and the timely payoff. We have copies of the contract, the card and the statements Wells Fargo has sent. We will send them to you when requested. We do not want private information posted on this site.
XXXX XXXX XXXX Director of Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear Director XXXX, As director of the Consumer Financial Protection Bureau and as a member of the board of directors for the XXXX XXXX XXXX XXXX, I and tens of thousands of individuals who had mortgages with Washington Mutual N.A. plea, that the CFPB give clarification to the following issue : When the FDIC and JP Morgan Chase signed the Purchase and Assignment Agreement dated XXXX XXXX XXXX that gave receivership to JP Morgan Chase, did the FDIC sell the mortgages that were held by Washington Mutual individually and in securitized trust to Chase or did this simply transfer the mortgage servicing rights to Chase? 
This question is being litigated across the county and JP Morgan Chase has argued both sides of this argument across the country depending upon which argument benefits their interest in a particular situation. 
JP Morgan Chase has argued that they only acquired the servicing rights and not the mortgages as stated in the Purchase and Assignment Agreement dated XXXX XXXX XXXX. The argument is that the mortgages and the mortgage servicing rights are divisible items. This argument was made in " XXXX XXXX XXXX XXXX XXXX vs. FDIC, WASHINGTON MUTUAL BANK, JP MORGAN CHASE BANK and WASHINGTON MUTUAL SECURITIES CORPORATION in a summery motion to dismiss and motion for partial summary judgment page XXXX of motion. Filed in the United States District Court for the XXXX on XXXX XXXX XXXX. Case No. XXXX ( XXXX ). 
Yet, JP Morgan Chase both forecloses on Washington Mutual mortgages and also sells Washington Mutual mortgage notes to Investors, claiming authority being vested to them by the same Purchase and Assignment Agreement dated XXXX XXXX XXXX. Do they need to disclose to note buyers that the mortgage notes being sold are currently either in default or in foreclosure? 
JP Morgan Chase and its note buyers, use the differentiating state statutes to apply their version of the PAA to their advantage. Results have been overwhelming in favor of the note holder.
I am currently repaying my loans under the Income-Based Repayment program through FedLoans and I will be eligible for Public Service Loan Forgiveness after  making my 120th qualifying payment on XX/XX/XXXX. My issue is that FedLoans has, on more than three occasions, inaccurately calculated the total number of qualifying payments that I've made. I contacted them on XX/XX/XXXX, with evidence of a full audit that FedLoans themselves completed in XXXX that accurately reflected the total number of qualifying payments I had made at that time. They have yet to adequately respond to my inquiries over the past year and I am now 10 months away from applying for PSLF and they still have an inaccurate total count of my qualifying payments.
Ocwen, has been giving me nothing but the run around concerning my escrow account. I have changed my home owners insurance company to a much cheaper company and instead of me receiving a decrease in payment as expected, I received an increase. my loan payment went from XXXX to XXXX. I have called and spoken to numerous agents who have told me that I was being incorrectly charged twice for my escrow payments by accident and that they would be doing another analysis so that they can fix it. after the second one was completed it was still not fixed. I was told the I had an escrow shortage of over 3,000.00 which is totally incorrect. I have never been late on my mortgage payment. when I cancelled my old policy I was reimbursed by them but, I sent some of the money to them and based on my calculation I thought that the amount I sent them was correct. but, I was a little short so last year they went up on my mortgage by XXXX. I was told that starting in XXXX that I would see a decrease in my mortgage but instead of going down it went up for no apparent reason. I am requesting an investigation to ensure that they are not trying to steal from me.
I took out a loan with Cash CallXXXX XXXX XXXX in the state of Louisiana back in 2012. The interest is so high It was over 100 % and now has gone down to 85 %. I do n't feel I will ever pay it off. Can they legally charge this much interest for such an extended period of time?
I did created a complain about the difficult and challenges I was having with XXXX XXXX XXXX with Debt issue back in XXXX who hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX to send me to court and I was not able to show up ( Complain with your entity cases XXXX, XXXX, -and  XXXX ). Court granted them the case and they were very difficult and harassing me all the time since XXXX. I tried a couple of times to negotiate debt with them but did not want to take my personal previous offers. I used a Credit Counseling Services Company ( XXXX office at XXXX XXXX XXXX, XXXX XXXX. XXXX.Tx. XXXX ph # XXXX ) to help me settling issue back in XX/XX/XXXX. I paid them {$5000.00} and they were supposed to and think negotiated with XXXX XXXX XXXX to clear issue. Since XXXX looking at my credit reports I did not see anything about the Civil Judgment in my records. 
Suddendly, this past Monday XXXX, XXXX my Bank Account have been garnished not allowing to touch account and I need to pay econom1cal obligations. 
I received and email I need to contact the XXXX XXXX XXXX XXXX XXXX in regards to my Garnish. I checked and found out XXXX XXXX XXXX had sold old " account '' case to XXXX XXXX XXXX XXXX, XXXX. who hired XXXX XXXX XXXX XXXX XXXX ( ph # XXXX ) in regards to my Garnish which comes from Court order case XXXX in XXXX County Civil Court No.3. 
They are demanding to pay previous Debt of {$10000.00} plus attorney 's fees # XXXX plus 24.99 % for the entire term of debt since XXXX XXXX, plus post judgment fees of 18 % on the principal? of 07.25 %. 
I am really devastated because I already lost {$5000.00} which I thought were used to stele previous amount with XXXX XXXX XXXXXXXX and now a new XXXX XXXX XXXX XXXX XXXXXXXX XXXX is using XXXX XXXX XXXX XXXX XXXX XXXX Texas Bar No. XXXXXXXXlocated at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX.Tx. XXXX. Ph # XXXX. 

Please I really need advise because it seems like these entities are trying to take advance of hard working people like me. It seems like they said the total amount of Debt is running in the {$70000.00}. I am a family parent trying to do the right thing but I do not want people trying to take advantage of my situation. 
Greatly appreciate your support. 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX.Tx.XXXX
In checking XXXX XXXX, there were XXXX inquiries on my XXXX credit report that I believe should not be there. I have contacted XXXX, via certified letter and approximately XXXX telephone calls. These communications date back to XXXX XXXX, 2016. 
The outcome from Equifax on all means of communication was that those are factual information being reported, they would not removed them, and I need to contact the companies. I asked for a supervisor and they would not transfer me, rather chose to be argumentative and hang up on me. 
With the advise from the Equifax representatives, on XXXX XXXX, 2016, I contacted the XXXX companies ( XXXX XXXX, XXXX and XXXX ) via certified letter. The outcome from all three of the companies is that they are promotional inquiries and they would not be removed. 
Today XXXX, I again phoned Equifax wherein they once again refused to delete them or transfer me to a supervisor. Although, this time the representative advised that the pulls were actually hard pulls rather than promotional and they have effected my credit rating. 
I am seeking your assistance in having them taken off my report. Should you need copies of my documentation, I will certainly provide the same.
I purchased {$120.00} worth of Bitcoin from Coinbase.com on XX/XX/18. After the purchase they notified me that they would be accepting my purchase and taking my money immediately but withholding the Bitcoin indefinitely. I called them up minutes later on the day of the attempted transaction and tried to cancel it, but they refused. I have contacted them pretty much every day between XX/XX/18 and today ( XX/XX/18 ) asking for them to either refund my money or give me the Bitcoin I purchased and they have still refused to do so. No one would ever purchase an investment at its current market value but not take ownership until an unspecified time of the brokers choosing, I know I would never agree to that and have not agreed to in this situation. But that is how Coinbase.com insists they do business. I still have neither my money or the cryptocurrency I paid for.
This account does not belong to me. I have no knowledge of it. I have submitted complaints the last time they tried to collect it two years ago and it was deleted from my credit report. I have an ongoing ID theft issue with plenty of reports including local police departments in the FTC. this collection companies repurchasing old debt resold to them by other collection agencies
I had multiple unknown fraud charges applied to my credit card in XXXX of 2016. These charges were out of character of our spending habits Our Capital One Mastercard did not notify us of any unusual activity. Which they have in the past for much less. I caught it by checking my credit card statement before it was sent out. I notified the XXXX XXXX. The day I caught it. I canceled the card, immediately ordered a new one. They continued to charge my card with pending fraud charged even though they had been alerted. They removed many of the charges but then reapplied some them in XXXX even though Myself or my husband did not authorize any of the charges. We have been a customer with this crdit card for 22 years. We pay our bills on time and spend thousands of dollars through them yet they have failed to protect us in this one incident.
I received an email from ACS on XXXX XXXX, 2017, prior to this date I had not received correspondence from ACS. This lack of communication hinder my ability to pay and to update the company about my medical XXXX. I need to access information on the loan to make a full payment an close the account, but the ACS website does not allow me to register and gain access to my loan information. I am left unable to pay as interest accrues.
Conns keep updating my personal information on credit to all credit 3 credit companies. I had insurance on the products that I purchased but the merchandise was destroyed during Harvey ( hurricane ) Conns was notified by me immediately after. They changed it as damage due to natural disaster and put it back on my credit.
SKO Brennar American - collection letter rec 'd - phone XXXX XXXX XXXX XXXX, NY XXXXXXXXSent to XXXX XXXX XXXX XXXX FL XXXXTel XXXX # XXXX - they refuse to give me original creditors information and has threatened to report this onto my credit report unless I pay. 

Dear SKO Brennan American, I never rec 'd trial offer from your client. In addition when I called you to discuss the collection letter I received - your representative refused to provide me with your clients information. I feel that I am being extorted and have reported this incident to FTC. I do not want to fall victim to any fictitious claims and feel as if this is one that qualifies.
Monday, XXXX XXXX. SouthEast Mortgage called me and explained that my loan ( that they previously said was fully approved last week on Thursday XXXX XXXX is not denied " unless '' I pay {$7000.00} or {$10000.00} in 48 Hours ( Closing Date was Wednesday XXXX XXXX ) And asked which option ( before the end of the day ) would work better for me? 

I applied for the Georgia Dream loan and was working with the team for 4-5 months  and each step of the way they were making me aware of what needed to be taken care of and " fixed '' yet 48hours before the closing and keys were handed to me and my family, now all of a sudden my " tax issue '' that currently has a monthly payment installment agreement in place, in now causing my entire loan to be denied. 

He also instantly required me to pay off all my tax debt before 2017 for All Years. He also informs me that my GA Dream file was submitting to 2nd set of underwriting last week around Thursday XX/XX/XXXX. From my personal expert team, they made me aware it normally takes 10 days to clear. Once I ask the SouthEast Mortgage official for a document to show the denial letter/information, and call him again, he explains that GA Dream is now Not Possible No Matter What. Even after several attempts for the official denial letter, nothing was produced. 

The mortgage is off the table, my earnest money is lost, my apprasial fee is lost, my home inspection fee is lost, and my 4-5 months of patience and persistent has been wasted. 

We spoke to Georgia Dream agent and she explained there is a simple document that I need to clear this condition, it's a lien right documents that changes the order of rights away from IRS in primary position. XXXX did not even discuss this with me at all and just proceeded to let me know that I am " denied '' with no options. Last week he explained to me that I was " approved '' and congrats but Monday he explains my file was not submitted to GA Dream underwriters until around XXXX XXXX. 

I was told I was approved, then it was just taken away from my family and I. 
I have attached the only " denial '' they sent us.
I do not have nor have I ever had an American Express card account but they annually request my credit without my consent. This was off my report : ( see below ). 

Show less Account name AMERICAN EXPRESS Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX
Due to job loss, we fell behind on our credit card payment to XXXX XXXX XXXX  ( " XXXX '' ), which then caused XXXX XXXX XXXX XXXX " XXXX '' ), a collections law firm to begin to call us and send us letters. We have attached a few of these letters, which implied were coming from an attorney, but really were not. We agreed finally to try to make some payments, and were told by XXXX that we would have nothing bad on our credit report. XXXX lied to us, as they put a judgement on our credit reports. <P/>We read that the CFPB last week filed a lawsuit against XXXX for fraud and deception ; which is one of the reasons that we are filing this complaint. <P/>After we found out about the judgement, we then discovered that XXXX XXXX XXXX was not licensed nor registered to do business in Indian, and thus did not have any access to the Indiana courts to file a judgement. Despite the lack of legal standing, XXXX did it anyway. This seems to be an unfair, abusive, and deceptive business practice by XXXX. <P/>When we told XXXX and XXXX that they had done some bad things, and were violating numerous consumer protection laws, they merely sold our account to XXXX XXXX XXXX XXXX ( " TD Bank '' ). TD Bank has done nothing to correct this problem, as the employees of XXXX are still servicing the account, and rely on XXXX for legal advise. So they continue to cover this up, and have done so for many years now. <P/>Now that the CFPB has taken action against XXXX, this would be a good time for the CFPB to investigate this matter, and take appropriate action against XXXX, Target, and TD Bank.
Equifax has posted several credit inquiries under my credit report that I do not recognize. 
- XXXX -XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX I am filing this complaint because all of these have negatively impacted my score.
To whom it may concern, i am seeking your help because it is over 2 years trying to get my loan modify with Wells Fargo and they never approved me for any type of resolution. Now that i decided to sell my home under a XXXX Short Sale. Wells Fargo keeps refusing to help me in order for me to avoid foreclosure. 
Please help since i dont know what to do. 

XXXX XXXX
On or about XX/XX/2018 Equifax received a dispute letter from me asking them to provide accuracy of a public record ( bankruptcy ) and if they could`nt verify to please remove immediately see attached letter.After the completed investigation from Equifax it was told in a letter that a third party vendor XXXX XXXX had verified the bankruptcy see letter attached marked ( A ) i find this impossible because i put a security freeze on XXXX XXXX this is clearly a privacy violation for both agencies. I need to how is this verification legal since the courthouse on record doesn`t release said information.
My complaint is with ( PRA ) Portfolio Recovery Associates, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX PRA is currently reporting negatively on my credit report for an old credit card from XXXX XXXX and is no longer within the Pennsylvania statute of limitations. I have called them a couple different times and was completely unsuccessful. They refused to do anything. I 'm hoping that you can help me resolve this issue
The complaint is with Capital One. I have had this account for 17 years. I was a XXXX XXXX before I retired 5 years ago. I am XXXX XXXX XXXX. I was going out of town for 10 days in may and before i left I made my credit card payment. I made a mistake and paid them {$100.00} instead of the {$200.00} that I have been paying. They notified me about on the around the XXXX or XXXX of XXXX and paid them another {$100.00}. The next thing I knew my interest rate went from 6.5 % to 24.65 % and a late fee of {$39.00}. They also told me that I was late on my payment in XXXX of 2017. I had made a payment on the XXXX of XXXX and one on the XXXX of XXXX and they posted both in the month of XXXX and then said I did not make the XXXX payment. I learned not to make two payments in the same month. I also made a {$11000.00} payment the first part of XXXX because I received a large check from one of my customers. I deposited thie check and all was well, I thought. After 6 or 7 days my bank notified me that that large check had been returned unpaid. Therefore Capital one 's payment of {$11000.00} was returned unpaid. I immediately made my {$200.00} payment to Capital one, but they showed a returned payment that went against me. My interest has gone from $ XXXX {$65.00} a month to {$240.00} and more per month. I have written letters to them and the only thing they have said id that if I make my payments for 12 months then they will review my account and make a decision about lowering the interest rate and reversing the late charge. I have even written to the CEO, Mr XXXX XXXX XXXX and have not received a response. I am on social security and can not pay this amount of interest. Thank you for your help.