WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I applied for a personal loan in the amount of XXXX. I did so on my phone. When I applied, a truth in lending disclosure never loaded properly yet I was approved. I called the company on XX/XX/XXXX ( XXXX phone records are available ) and was told that my payment would be XXXX monthly. I tried to make an additional interest payment on XX/XX/XXXX and accessed my account online. The truth in lending statement was available to see at last AFTER I got my money. To my surprise, the APR was 497.621 % and there would be 13 payments of XXXX, not monthly. I called to complain and was told by the agent that they are a tribal government and immune to federal laws. The agent told me that I agreed to the loan terms, which I didn't, and then promptly hung up on me. 

This company has sold my information to other payday loan lenders and has filled my email with spam now. 

By failing to make me aware of the APR and not showing a functional truth in lending disclosure they are in violation and I want this company reported and for them to stop stealing my money.
XXXX in fees but the amount never goes down and now i am understanding the whole 700 % interest rate.
Not only is this debt not mine but I have repeatedly tried to contact them to resolve this over the past few months. I even submitted a dispute through XXXX and they reported it as collections and derogatory. The contact information from XXXX and their website does not work. The phone contact sends you through an automated loop and yet they still report to experian as derogatory and collections. I even had experian contact them and they even could not contact them. This company is hurting my credit without any way to resolve it. It is keeping me from being able to fix or better my credit. The company is IC System over XXXX $
Sent request fo rfull medial validation within 30 days of receiving dunning letter which included requesting only written correspondence no phone calls. Checked with department of the treasury Division for Revenue and Business Enterprise on XX/XX/2016 and was informed that Diverse Funding Associates does not have a collection agency bond or license to collect in the state of New Jersey. They are illegally attempting to collect on a debt which is in violation of NJ Law. Informed company in writing via certified mail they are illegally attempting to collect. Did not provide full media validation as requested
Hello, I 'm a small business owner who is a reseller of business telephone equipment and services and installation. On XXXX XXXX 2016 I sold and installed a telephone system for XXXX XXXX Attorney at Law. We had also sold her service " XXXX XXXX XXXX on a separate month to month invoice. She then opted out of the service agreement 2 days prior to port and decided to go with another vender. But was still using the equipment that was installed. Suddenly On XXXX XXXX I received a reversal payment of {$2000.00} fro my merchant provider XXXX. We do not offer a return policy for equipment after 30 days. I have proved the installation, the delivery of purchased equipment to XXXX, and I 'm limited to information that they will provided, the other BANK which I have learned is Chase is contributing to FRIENDLY FRAUD and ABUSE OF POWER. I 'm asking for a FEDERAL AGENCY to INVESTIGATE as I 'm out of the PURCHASED TELEPHONE EQUIPMENT and the LABOR of INSTALLATION and the REVERSED FEES. XXXX will not provide me information about this transaction nor will CHASE. I feel as if I 'm a victim of FRIENDLY FRAUD and ABUSE OF POWER from XXXX BANKS and an ATTORNEY XXXX XXXX Transaction ID : XXXX Authorization XXXX ID : XXXX {$2100.00} USD
In or about XXXX, XXXX XXXX forged her ex-husband 's name XXXX XXXX, to a student loan application for their daughter XXXX XXXX. 
The forgery was reported to the police and an Identification Theft Affidavit, police report, copies of identification were provided to the creditor. 
Collection efforts continue.
I went to XXXX XXXX this past weekend on Sat XX/XX/XXXX to purchase a new home. They stated they would have to cross qualify me. I did not authorize or sign anything for them to run my credit. I did fill out the basic paperwork and contract which did include my ss #. However, I told the lender I would have my lender send them all the current information I just gave them. I had the lender from XXXX XXXX XXXX call me on Sunday  XX/XX/XXXX stating he would need some information. At that time, I told him I was on vacation until a week more and told him not to run my credit as my current lender would send him all my recent information. I received notification today from my credit company that a hard inquiry was made on my account. I spoke with him and he admitted to running my credit today and said he thought he had the form. I am super upset that this person XXXX XXXX took it upon himself to do this. This has now lowered my credit report number. His information is below. XXXX XXXX Loan Originator KBHS Home Loans LLC XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX, XXXX XXXX. XXXX.
Commenity Bank called on a number that was not identifiable, shown on my phone as " no caller ID '' when I picked up the first and second time they hung up after I said hello. Then they repeatedly called me from the number that was not identifiable. When I did pick up later that evening and ask the representative about the calls she was rude and dismissive and said they were allowed to call me multiple times a day. I had just paid this company XXXX days ago, and told the rep when I made that payment that I would call be after the payment cleared to set up more arrangements. The payment cleared my bank this morning!
Since XXXX 2015 I have been trying to get my loan discharged from Navient. I am one of the XXXX  students that qualify for a discharge. I have sent all the necessary paperwork to both the DOE and Navient and as of today, I have no answer from either of them. DOE tell me that it 's Navient 's problem and Navient tells me that I need to contact DOE. I understand that even if I get the discharge that I 'm still responsible for the interest that accumulates but how much interest will I end up with if they do nothing but add interest to my loan that they are making no effort to discharge? I just want to get this settled, all my friends that attended XXXX have all had their loans discharged but me. I have this 53k+ loan it 's put a toll on my family and life, we are unable to move due to my credit. Can you please help me?
For the past week I have tried repeatedly to " verify my identity '' with Coinbase so that I can use the funds I deposited in my Coinbase account. Even though they have already verified my identity once, they refuse to do so again, therefore my money is just sitting in my Coinbase account, and I ca n't use it. There is no phone number, email, or mailing address to get in touch with anyone from Coinbase to resolve this issue. I do n't know what else to do except to file a complaint.
Principal payment in the amount of {$220.00} was submitted to Discover Student Loans on XXXX XXXX, 2015 by personal check. This check was cashed on XXXX XXXX, 2015 but not credited toward my account. 

I sent an email on XXXX XXXX, 2015 requesting that they correct this error ( backdated to the date they cashed the check ) and received an email back requesting proof of my payment which I supplied ( canceled check images ) on XXXX XXXX, 2015. My account STILL has not been credited the payment.
XXXX XXXX XXXX XXXX, XXXX, XXXX Inquiry that I didn't authorize. The company said they didn't run my credit and I got alerts from XXXX XXXX  and Experian. They are in denial and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize. The company said they didn't run my credit and I got alerts from XXXX   XXXX and Experian. They are in denial and I want this fraudulent inquiry removed. 

XXXXXXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXXXXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 


I have a fraud alert on my account that states do not run credit or extend credit without contacting me personally, so I don't understand how these companies got away with doing this without my consent. I'm requesting removal of these fraudulent inquires and an updated credit report from all three Bureaus. Thank you
XXXX 2015 received credit card statement from Macy 's. Balance was {$110.00} and I paid it in full with a XXXX XXXX check. When I again received my statement in XX/XX/XXXX it showed a non payment and interest and fee attached. I checked my XXXX XXXX Statement and check was cashed XXXX XXXX electronically by Macy 's. I faxed my bank statement to payment research a department I believe is with Department Stores National Bank. XX/XX/XXXX and XX/XX/XXXX statements have still not been corrected to a XXXX balance on my account. I went to XXXX XXXX for assistance and was told they could not provide me with the transaction number because it had been to many weeks and they were not able to retrieve it.
I did not have the funds in my bank, and the company has been incessantly calling my phone and is sending threatening emails, saying that if I do not pay immediately I will be prosecuted and will owe {$25000.00} from a {$400.00} loan. They are saying that I have to send them a promisory note immediately, or I will be prosecuted.
The note amount $ XXXX with $ XXXX/mo payments via " Lender '' - XXXX XXXX XXXX XXXX , for the property Note transferred to XXXX in XX/XX/XXXX mature in XX/XX/XXXX, Transferred to GreenTree /  Ditech Financial LLC . in XX/XX/XXXX. Since, the following issues have evolved : - Escrow amount skewed ( i.e. ( XX/XX/XXXX ) = {$530.00} ; ( XX/XX/XXXX ) = {$880.00} ; ( XX/XX/XXXX ) = {$810.00} ), I questioned the high escrow # in an email on Ditech Web, ( see attached ) and requested the tax and insurance bills to verify the expense charges to escrow. In stead, Ditech sent me a payment ledger for Tax and Insurance for my property ; which, I expect would balance out, coming from their ledger. But, where are the actual bills? However, there was a drop in the escrow amount immediately following my email. ( see attached ) - Escrow charge variance brought account instability. 
- Damaged credit report. Subsequently, unable to refi the house. 
- Ditech Mod-offer, in the short run, will fail due to the Escrow shortage build-up. 
- I have paid 14 year on interest, why am I still charged more on I than P.?
I opened up an account with US Bank for their {$150.00} account opening promotion. A couple days after I setup my direct deposit they said they decided to close my account because of my trial deposits. This makes no sense as when you link any external account a trial deposit is made. They said this is because my name is not on the account and I told them it is a joint account and i can offer bank statement if necessary. This is absolutely ridiculous for closing my account over a trial deposit and I highly suspect they simply do n't want to pay out the {$150.00} bonus.
On XXXX I entered into a contract to purchase my father 's house for the property at XXXX XXXX XXXX XXXX, KS Loan # XXXX. Freedom Financial ( FF ) is the reverse mortgage lender and FF was helping me to pursue a short sale. All of my siblings signed the contract as the sellers for the XXXX XXXX XXXX XXXX XXXX as FF required. My contract was scheduled to close on XXXX. FF hired an appraiser and FF and myself agreed to a {$150000.00} short sale payoff. The contacts at FF are XXXXXXXXXXXX and XXXXXXXXXXXX. FF filed a petition to foreclose on the subject property using a local attorney XXXX and XXXX XXXX XXXX XXXX of XXXX KS. On or about XXXX a very wealthy neighbor XXXX XXXX XXXX XXXX contacted XXXX, the attorney for FF. This very wealthy neighbor told my sister, XXXX XXXX, that he was able to stop my contract from closing through his contact at XXXX. XXXX told my sister he would have his friend at SandA tell FF to terminate my short sale because XXXX wanted to buy my father 's property. This powerful neighbor, XXXX XXXX is represented by XXXX XXXX XXXX as Shareholder XXXXXXXXXXXX. We continued to pursue the short sale with FF throughout the summer. A second appraisal was completed. Again, I and my family agreed to all of the terms to close with FF. XXXX XXXX, the attorney for XXXX XXXX filed an affidavit of equitable interest against the property to prevent me from closing. Today my short sale was cancelled. I feel that I am being taken advantage of by powerful lawyers and they are manipulating this lender Freedom Financial into denying my right to purchase my father 's house as the rightful heir. Can you please help me? We are scheduled to go before a XXXX Judge in XXXX. I have spent tens of thousands of dollars trying to defend my right as a consumer to purchase my dad 's house. All of my siblings want me to purchase my dad 's property. The wealthy neighbor seems to be pulling all of the strings. Thank you
I initiatied a transfer through my Bank of America account to my wife. The number entered for my wife was incorrectly entered by one digit. Bank of America apparently leverages a third party, XXXX, for these types of transactions. I sent the amount of {$550.00} to an incorrect mobile number but in the name of my wife. The recipient received the payment even though the name was incorrect. When I attemplted to cancel/ dispute the charge with Bank of America they notified me that there was nothing they could do other than ask the recipients bank to return the money as a courtesy but that there were no guarantees. There is no disclaimer of any sort on the website or when going through the process that as a consumer I would not be protected in any way if I made a simple factual error when submitting the transfer. This is an extremely misleading and deceptive practice by the banks and by XXXX and offers no protection to consumers. This should be illegal without explicitly displaying the risks associated with these types of money transfers.
I was a XXXX XXXX customer for over XXXX years and canceled my service in XXXX. I returned all the time XXXX XXXX in XXXX. We paid the last monthly bill and at the time of the return was told I had retuned everything. There was nothing to pay the day I returned the equipment. 

Today I received a call from Stellar Recovery , Inc. XXXX, MT XXXX which I was later told is a Division of XXXX XXXX XXXX, and requested to pay a {$22.00} Bill Plus a {$9.00} Transaction Fee. 

I paid the bill and fee because they threatened to report this bill to the credit bureau. They also said they could send me a bill in XXXX days but then I would be past 60 days ( for a bill that has n't been sent ) and I would have already been reported to the credit bureaus. Having never missed a payment in my entire life and having done business with XXXX XXXX since XXXX of 1982, I was greatly upset. 

I never received a final bill in the mail and the person from the recover company could not or would not provide me an explanation of what this bill was for. So I 've paid a bill I 've never received and ca n't verify what I was billed for. 

The recover company left a message on my phone with an automated message not referencing that this was in regard to the final XXXX XXXX XXXX. XXXX XXXX has not returned my call this morning to explain to me what I was billed for.
I defaulted on a set of loans from Discover a few years ago. However, despite making all of my payments at times late, but always paid in the month it was due, for over a year, they still call me sometimes multiple times a day. 

I have called them multiple times to ask them to stop. They have not. Any number in the images below with the number XXXX XXXX XXXX XXXX XXXX is from Discover Student Loans. 

This is harassment. This should be illegal. They literally call me the day after I have made a payment.
I disputed XXXX chapter bankruptcies on my credit report thru Equifax starting XX/XX/XXXX I have done the inline disputes as well as the disputes via USPS. Each time Equifax continues to verify these and other things on my report without proof. I recieved notifications from equifax stating to call or mail The BK court here in Massachusetts on XXXX XXXX then 2 weeks later at anothr address at XXXX in XXXX, ma. I called the BK court and asked the clerk about Validation and Verification with the Credit bureaus. The clerk told me that they do not report, inform, validate or verify anything to credit bureaus or any other outside enitities. If that is the case then how are they verfifying this information. They also violated the FCRA by not adding the term consumer disputes on my credit report, i have proof of these things. Equifax also continues to validate and verifyother account and inquiries on my credit report that are lowering my credit rating, things that should n't be there as well. I have sent many letters to them, and have called, theyre very unprofessional and semi corrupt in the way they do business.
Several credit reporting agencies are not able to monitor/ access my Equifax credit reports and score. The agencies attempt have been made and unsuccessful were XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX. I have contacted Equifax via phone and letters. I received a response back on XXXX/XXXX/2017 indicating my credit file with Equifax could not be located ; however I have made several calls to Equifax and verified all information during game calls and no explanation could be given why credit was not updating nor reporting. I received a letter on XXXX XXXX, 2017 stating my name and email and address are reporting correctly.
I have reached out to XXXX, XXXX, and Equifax Credit bureaus a number of times to have personal information that does not belong to me removed from my report and they refuse. The following addresses, phone numbers, employer, and ssn 's that appear on these reports do not belong to me and/or are reporting inaccurately. I have lived at my current address since XXXX and keep being told that other companies have reported this information as valid, which I think is absurd being that they are allowing others to report what they feel is valid and NOT me. Due to poor lack of investigation and communication Im requesting that all of the inaccurate data be removed. ADDRESSES THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SOCIAL SECURITY NUMBER VARIATIONS THAT DO NOT BELONG TO ME : XXXX XXXX NAME VARIATIONS THAT ARE REPORTING INCORRECTLY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBERS THAT DO NOT BELONG TO ME : ( XXXX ) XXXX ( XXXX ) XXXX IN ACCURATE EMPLOYER INFORMATION XXXX XXXX XXXX Thank you
American Express and XXXX mailed me an offer for a new credit card. I would receive XXXX XXXX miles after charging {$3000.00}. I made all the charges on time and Amex would not give me the bonus miles.
I have decided to go through my retail contract and it seems that I am paying too much for my vehicle. My interest rate is 13.45 % and my finance charge is {$12000.00} over 72 months and amount financed is {$25000.00} with {$0.00} down with a monthly payment of {$530.00}. Now at the time when I financed the vehicle, my credit score was XXXX. Im not sure why my rate is so high and why my finance charge is through the roof. Every time I make a payment it doesnt seem to put a dent in my over all balance. How is it that I purchased the car XXXX/XXXX/XXXX for {$25000.00} and still owe {$25000.00} as of XXXX/XXXX/XXXX. I am beginning to feel like I am a victim of credit manipulation and now my credit is suffering because the payments are not being applied accordingly. I would like to have my contract evaluated because the numbers do not add up. And furthermore, there is a warranty on my contract that was never discussed with me and I never agreed upon.
First wells fargo sent me a denial letter. Upon calling to inquire they asked me for a copy of my social security and bank statements, upon providing that and calling them the representative told me because i am mot a US citizen i cant get the credit card. I have a good credit history and lots of other companies have offered me credit total of almost 9000 $ not even one late payment. After waiting and wasting so much time they told me you are not eligible because you are not a citizen or permanent resident which makes me really upset. I hace been living here for 5 years which makes me a resident of state of texas. If that was the case why they dont have it in writing where they ask for country of citizenship while applying. Looking for your kind cooperation kindly help me. They also have a hard inquiry which will effect my credit score as they are denying.
We paid our XXXX XXXX payment to Ditech financial and they applied it to our escrow acct. 
We have been getting late notices and late fees and we have called numerous times and they said it 's there fault and a service request has been submitted but there far behind so it will take about a week. Well I call every week and I get the same song and dance. Now today I received a letter from a collection agency stating that they want that payment and late fees! 
I am at my wits end with this company they are going to ruin our credit!! 
There is no one else to speak to when I ask for a supervisor to try to go higher up. 
I just want my payment to be taken from escrow and applied where it should have been applied this company is a joke.