WillisBack/dataset-financial-user-claim huggingface dataset:
My girl friend and I, XXXX and XXXX years of age, went to a car dealer asking for a cheap reliable vehicle that we could afford. We explained that we only had a joint income of {$800.00} per mo. Just having a baby XXXX XXXX XXXX and no real credit, we were at their mercy. After a protracted period of time, they talked us into a new last year model car that would be a year old the minute it hit the street. We ended up with a 72 month contact at almost {$600.00} per mo. They suggest that if we would make at least one years worth of payments, we could rewrite the deal and drop the payment in half. We are now in default. There is no way we could handle such a payment and are now looking at bankruptcy. We really got taken to the cleaners. It should be noted that we are not able to drive the car in that we can not afford insurance and plates. Help!
I lost my job in XXXX XXXX. I have a Best Buy Credit card debt and I started falling behind my monthly payments from XXXX XXXX. I had debt protection plan subscribed on the same credit card since the time I got this call. I asked Best Buy Credit card to take care of my unemployment situation and wave off or adjust the payments. I had approx. {$800.00} balance payments. BBCS asked me to show them an unemployment befit registration with PA state and the receipt of unemployment payments from them. Since I am XXXX in this country hence I told them I am not eleigibel to get those benefit and even if I try and get it then it will affect my XXXX. They were adamant and next thing they did is cancelled my debt protection and kept sending me bills with hefty APR and late fees. They even stopped talking to me, disabled my access to the online account and when I dial their customer service number it gets disconnected. I am still going under hardship. I have my mortgage payments, child support payments and other credit card debts stacked up. I have a XXXX county court order allowing me my support payment modification due to my loss of employment. If court verified my unemployment status then why the credit card company is not able to validate it? I am not sure why Best Buy is harassing me and not offering me the debt protection coverage. The amount due they are showing now is {$1500.00} to pay by XXXX XXXX, XXXX. My account # is XXXX XXXX XXXX XXXX
I requested a loan for XXXX dollars from this company. They are loan sharks in desguise. I have paid back over 2.000 dollar and I still owe them XXXX. It should be illegal for this business to operate. Yes they do help you I time of need but they have bleeded my bank acct. My payments are deducted actomatically from my checking a acct. I resided in XXXX  withy daugher whom has a special needs child with several health problems. I was helping her out. I had to move back to XXXX XXXX to take care of my XXXX year old mom whom has XXXX and I explained to them through an email the financial hardship I was having due to having to help my mom and my own home renovate and do repairs after hurricane Maria. They just took the action of the not making any more withdraws which that was fine with me but they had no compassion or care about my economic situation.No one ever responded to my email to try to help me. All they send me is when my next payment will be taken out of my acct. I live on disablity from soc sec and the payments never end even when I have not made any withdraws..The intrest they charge was unknow to me. I wrote them it was the worst company even if I was homeless in the street I rather stay that way then resort to them for help..Really bad. Sincerly XXXX XXXX.
I have a second mortgage loan that was charged off in XX/XX/2009 in the amount of {$29000.00}. At the onset the loan was owned by Chase Mortgage whom I modified the loan with. Due to the charge off portion of the loan, Chase maintains a lien on the property. I contacted Chase to settle the debt through the sale of the property. Chase informs me that they have sent the loan to XXXX XXXX XXXX company who now tells me that they have sent the loan to XXXX XXXX XXXX for servicing. XXXX informs me that the debt is now {$45000.00} to settle. There has been n o explanation of any escalation in charges and the companies are now blocking the sale of the property to see my bank records, tax statements ect. I am trying to settle the debt in full and need to see the escalation in charges and neither of the companies are cooperating. Even attempting to settle at the inflated amount, the companies are not cooperating without wanting to see all of my personal information. Neither company has validated the debt after I sent letters to each of them requesting a validation.
Bank of America lied to me about the interest rate on my credit card. I was told that the go to rate on my card would be XXXX instead it went to 22 % interest. They stated it was because of how I accessed the cash with a convenience check instead of doing it online or over the phone even though when I made the advance I was told it go to the purchase APR and not the cash advance APR.
XXXX account number XXXX This home equity line was opened in XX/XX/XXXX and was originally with XXXX. It was sold to XXXX and subsequently sold to XXXX. When the account was sold to XXXX it basically disappeared. There was no record of the account on my credit bureau nor could I make payments on the account. My bank records for XX/XX/XXXX only go back to XX/XX/XXXX, and no payments were made during that period ( I ca n't recall any payments made in XX/XX/XXXX ). There was a payment posted in XX/XX/XXXX with XXXX, and then because of the transfer to XXXX, I was unable to make payments. 

My credit report is showing last payment made on XX/XX/XXXX, however, there is no record for day of first default. I have contacted XXXX and filed disputes with all three bureaus with no resolve. My dispute is with the reporting of the account. It disappeared from my bureaus for about 3 years and then randomly came back just over a year ago. Proper recording of the account is required by law and I am having no luck with anyone. Thank you in advance for your assistance.
They called at XXXX. They know I do not stay in the XXXX XXXX where the time is the different they know I moved to the XXXX XXXX last year but they keep I asked the woman did she know what time it was she said XXXX and I told her it was XXXX
XX/XX/XXXX, I was called by Fifth Third Bank in the XXXX of XXXX to encourage me to invest money with them for better returns than expected with regular certificate of deposits which were often paying less than 1 % /year at the time. The investment banker recommended a 5 year stock CD offered through XXXX. They told me clearly that, not only is my principal fully guaranteed, but that I would get a return of 7.5 % /yr to 12.50 % /yr depending on the stock performance. There were XXXX stocks in the portfolio. Therefore, they ensured me that 7.5 % /yr return would be the worst case scenario. However, it was clear after the first 6-12 months that there was going to be 0 % return for the next 5 years and I was not allowed to withdraw early at any time before 5 years, otherwise I would lose a part of my principal investment as well. The investment matured on XX/XX/XXXX accruing 0 % interest over the whole 5 year period. In effective, this bank fraudulently took an interest free loan from me for 5 years, at which time they certainly invested or loaned it out to others for high profits, returning only the principal to me! This is clearly a fraudulent investment vehicle with false promises and a means for the bank to get your money for a long period of time without your ability to get it back when you want. They have given me no apologies or explanations for this. This investment vehicle needs to be stopped, the bank needs to be fined or disciplined, and I should receive compensation for unnecessary loss of income. If I had put the same amount in a regular CD at a mere! %, I would be ahead a significant amount of money. This bank is taking advantage of gullible and trusting consumers. They can not be allowed to continue in their same ways!!
I applied for a loan from Alterra Home Loans at XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, Nevada XXXX on XX/XX/XXXX. The loan took over 8 weeks to close for no good reason. The contract had to be extended 3 times as the lender was unable to close on time. We should have closed on XX/XX/XXXX, but the close did n't happen until XX/XX/XXXX. This loan was contingent on the property 's appraised value. The lender received the contract on XX/XX/XXXX and did not order the appraisal until XX/XX/XXXX. Every time the lender requested documents from me, I provided them within 48-hours or less. The lender has yet to explain why it took them so long to close the loan. As a result of the lender not being able to close until after XX/XX/XXXX, I was charged pro-rated rent charges in the amount of XXXX. I had a 6-month rental agreement with the seller/landlord of the property. The rental agreement expired on XX/XX/XXXX. Had the loan closed on time, I would not have had to pay the XXXX. Per my closing documents, the lender paid the seller XXXX to compensate her for the delay in closing the loan on time. I have sent them 6 request to compensate me as well. I was their customer, not the seller. The only response to my requests came from XXXX XXXX via email. On XX/XX/XXXX, she wrote in an email, " I am out of town. I will return tomorrow and I will speak to the manager regarding your request. '' To date, she has not gotten back to me, nor has she responded to my follow up emails. I advised her that if I did n't get a response from her or the manager XXXX XXXX by XX/XX/XXXX, I would be filing a complaint with CFPB. At the day of the closing, I learned the lender had charged me XXXX to reduce my interest rate. They never said anything about this charge.
this company calls me several times a day. At least 4 or 5 times and leaves several messages. I thought they were only allowed to leave one message per day? This is getting on my nerves.
Equifax states that all of the personal information they have stored about me MAY be impacted by the hack Equifax suffered in XX/XX/XXXX. It was revealed to the public mid-XX/XX/XXXX. They recommended signing up with their credit monitoring product free ( due to this issue ) for a year. When I tried to do this I had to sign up several times, because they were not processing my request. When I called them they simply said they had no record of my signing up and said I would have to sign up again. This is intolerable, unprecedented, and WRONG. For a situation like this the free monitoring service should be a lifetime membership, because what they allowed to happen will impact me for my lifetime, and beyond. For all I know my SSN, medical records, personal card information, and anything else about my life, could be in many unscrupulous hands and would likely be used for purchases, get medical work done, obtain a visa, or any number of things, over the course of my life and even after I die. This is a life changing event for me.
The Property went into foreclosure after been told it would since the home was active for sale. Even once we had a full price offer the bank foreclosure on the property. The property was due to close on XX/XX/XXXX but buyer could not risk going thru and the lender foreclose the same day. We call the bank plenty time anmd was given a different story every time we called.
I contacted you regarding a bank going into my credit report without me having any relationship, EVER with the bank. The case number which you gave me was XXXX. The case was closed out. The problem is that to date- XXXX/XXXX/15, the Compass Bank of XXXX XXXX Alabama has not initiated the process to remove their credit inquiry from my XXXX XXXX credit report. I spoke to XXXX XXXX on XXXX/XXXX/15. They reiterated to me that it is a very simple process for Compass to do. However, Compass lied to CFPB as well as me that they would be initiating the process on XXXX/XXXX/15. XXXX XXXX has n't received anything from them. The inquiry is still on my credit report
I am writing to be included in the settlement that was litigated or being wrapped up by XXXX XXXX XXXX XXXX. I had a mortgage with XXXX and it startred to be serviced by XXXX. I had difficulty making my mortgage payments during the downturn in the economy. I struggled from XXXX XXXX. I attempted to obtain a modification a number of times during this period and that is when the transferring of the mortgage occured from XXXX to XXXX to XXXX XXXX. It was a very stressful time. I finally lost my home to foreclosure. I am including documents ( attached ). I have tried to resolve my complaint by contacting the Illinois Attorney General 's office, and I have included their " WEAK '' response to my effort in their latest letter dated XX/XX/XXXX. I therefore reach out to CFPB.
We received the Hamp modificatoin with Citimortgage but Citi never report the Hamp to the XXXX and I try hard to get this process done, so I can apply for the XXXX for my second loan which is XXXX XXXX, they have us in Default. Nevertheless XXXX transfer my loan to Seterus and they are not putting the XXXX mod. in the XXXX. This problem is going on for over 1 year and nothing is being done.
I am having issues with the incompetency of the credit bureaus with my investigation and reinvestigation of my inaccurate information on my credit report. Not only have they failed to provide a proper investigation, but they have failed to provide the documentation to prove the method of verification and documentation used to " verify '' my accounts, as allowed to me under sections 1681 and 609 of the FCRA. Congressional opinion in many lawsuits, specifically XXXX vs. XXXX, states that the law is verify clear in that once I notify the bureaus that I have inaccurate information on my credit report, they must investigate the accounts AND they have to verify the information received by the data furnishers. Once I notify them that the results are still not correct, they are in a different place than before and MUST reinvestigate and go beyond the original source of information. The effect these negative inaccuracies are having on my credit far outweigh any cost associated with investigating these accounts, and Congress states that I am in the right when I state that there must be a reinvestigation. Sending me a letter stating that no reinvestigation will be taken unless I provide further information from data furnishers, courts, etc. and that I must resolve the issue with the creditors myself is a clear violation under the FCRA. Stating that their organization is not a mediator, will not provide any documentation used to verify said documents or refusing to reinvestigate are further violations, as they bear a GRAVE RESPONSIBILITY to ascertain that these accounts and all other information on my credit report is accurate. They have failed to do so.
I have disputed this item on my credit report and placed fraud alerts as I have never know or heard of the creditor and I have never received any information regarding this debt or company
In XXXX 2015 signed up for a Citigold checking account after receiving an offer for XXXX AAdvantage miles if I completed 1 online bill payment in 2 consecutive months and made {$1000.00} in debit card purchases. On XXXX XXXX I sent Citi a secure message using online banking to confirm that I was enrolled. They never responded. I satisfied these requirements in XX/XX/XXXX and was told that it would take up to 90 days for the bonus miles to hit my account. XX/XX/XXXX ( after 90 days ) I still had not received the miles. I have called repeatedly ( probably 4 times ) since then to ask why I have not received my bonus. Each time the agent confirmed that I had satisfied the requirements and told me I would receive the miles soon ( within 2 or 3 business days ). On XXXX XXXX, Citi sent me a letter saying " there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. '' I called on XXXX XXXX and told them that if there was no promotion they should have told me that XX/XX/XXXX before I started paying $ 30 monthly fees for the account. ( I have paid {$120.00}, since the first couple months fees are waived. ) The phone agent apologized and assured me that I was eligible for the promotion and that the bonus would be expedited. Today is XXXX XXXX and the miles still have not hit my AA account. On XXXX XXXX they sent me a secure message saying that they still need to investigate : " After further review of your account, I can confirm there is a second request opened on your behalf for the promotion offer. Please be advised that the back office support is currently backed up with the investigations due to the high volume of cases open at this moment. As soon as your case is worked on and resolved, you will be notified via secure email and Citibank Online Message with the outcome of the investigation. '' This is ridiculous given that at least XXXX phone agents have confirmed for me that I have done everything I need to do to receive the bonus.
My personal information, financial information, social security number, address, and other crucial identifiable info may have been leaked to third parties without my consent due to gross negligence on Equifax 's part on securing their data.
XXXX XXXX XXXX. In XXXX, Oklahoma I have never see this address and never loved at that address. Why is this on my credit report is somebody using my name XXXX XXXX
This collection agency has put a debt on my credit reports. I spoke to them about this and they said they sent a collection notice to an address I have not used in almost 10 years. I have not been able to dispute this debt nor have they sent me any thing to validate this debt.
XXXX XXXX XXXX XXXX VA XXXXI never applied for a loan Mod on this loan It has been lien stripped via bankruptcy someone did not get the memo I called and verified you got the bankruptcy paper work but someone keeps sending letters. 

Every time I call to update the account they keep asking me to modify a loan ... I tell them it does not exist and to update the files and they hang up on me. 

Please update your files and delete all trade lines for me they have all been discharged via bankruptcy. 

PLEASE READ THE BANKRUPTCY DOCS FULLY!!!!!!! 

SS # XXXXDOB XX/XX/XXXX
I wrote a letter to FDIC which was forwarded to your Bureau. I was promised that you would let me know the companies response but you failed to do this. I called someone in your Bureau who told me she would sent me a hard copy of the companies response but it never arrived. Further you closed my Complaint file without ever responding to my request for the companies response. So far there is no resolution to this complaint.
My student loans were initially through XXXX XXXX, now Navient. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I requested loan modifications, income based payment caps, etc. Despite meeting the qualifications for their programs I was denied every time I asked. I did have my loans put into forbearance a couple of times, but I was also charged for that. In XX/XX/XXXX I filed Chapter XXXX bankruptcy, which was discharged in XX/XX/XXXX. I tried especially hard during that time to work out a payment plan with XXXX XXXX. They adamantly refused to help. Again, I fully met their criteria for help but was denied. Unfortunately I did not think to submit at complaint at the time, nor do I have the records showing my request. However, I did want to add my information to the struggle of trying to work with XXXX/Navient.
I had originally contacted XXXX XXXX, which I had agreed to pay a loan at 135 % interest for XXXX years until it was paid back. They sold my loan to CashCall, and I still paid religiously from my checking account for over two years. I was paying nearly {$300.00} a month when I only borrowed {$2400.00} originally. I finally got sick of them taking money from my account and told my bank that they were no longer allowed to continue to receive payments, because the last XXXX times they caused my account to overdraw. Now they have been calling me daily from several different numbers almost every hour trying to get me to pay them. They even called my job and I spoke to one of their representatives and told them that I was no longer going to pay them because I had paid them every month over the last XXXX years and XXXX months, and feel that I have more than covered the amount that I originally borrowed and the interest. I had to tell them to never call my job again. According to my math I have paid them over $ 8k and honestly feel that I do not owe them anything more. I have even been receiving calls from a Private Number repeatedly that I refuse to answer because I think it may be them and I really have nothing more to say to them.
Overdraft fee of {$39.00} for a {$3.00} dollar difference on XXXX/XXXX/16.
American express serve is committing Fraud for personal gain.XXXX 2016 I made a purchase from XXXX in the amount of XXXX and change XXXX did not have the items in stock so XXXX immediately cancel the transaction on XXXX XXXX 2016. Every since XXXX cancel this order my bank has be refusing to release my fund back into my available balance for fraudulent purposes and give different dates when fund will be available due to the fact they fear liabilities and do n't trust they customers XXXX XXXX 2016 the same situation occurred and fund got released on the XXXX of XXXX 2016 after merchant verbally told American express they will not collect the fund and put the funds back in customer account but American express refuse due to fraudulent purposes and again with lady ft locker. American express is now changing the time frame from XXXX 8 days regarding my XXXX purchase which was not in stock to release my funds when there a history of 7 days before they release my funds on a cancel transaction. American express serve is Committing fraud and I seek relief
Capital One has three or four hard inquiries on my credit report that shouldnt be on my reports. Ive never applied for a credit card. Im a victim of identity theft and just recently, someone tried to obtain XXXX more cards from XXXX different credit card companies. I would appreciate if Capital One would remove these inquiries immediately. My son has the same name as I do. Im not accusing him of any wrong doing but its something to consider.
I am being denied a current XX/XX/XXXX QWR response, which was sent certified and signed as received by an employee of Nationwide Advantage Mortgage Company. I want to see the after effects of my information, the XX/XX/XXXX QWR first request.
On XXXX/XXXX/16 I requested {$600.00} from an ATM owned by XXXX XXXX. The machine did not dispense any money. I have filed a dispute with XXXX with no results or response. 

# XXXX XXXX XXXX
Ive been using discover for twenty years or so never had so much XXXX in my life.the merchant charged me twice for same thing. discover disagrees but i allowed one charge of XXXX got that and dont like it.this was the full price for that item.I told the company i dont like it and i told discover the same.I cancelled the card because this company has figured a way to recieve monthly income regardless of what the consumer says or feels.Because of the stupidity how discover card is now being run.between the company and credit cards this is legal fraud.I didnt get no more items discover card claims i did because they put it in my mailbox.It just isnt true.I believe the company plans to charge my credit card again next month XXXX so i stopped it.Hopefully you will also.I will payoff discover what i owe but not what i dont owe.so it will be payed less at least one XXXX.
This debt is not owed and is reporting incorrectly on my credit reports. Address given is incorrect as well and also sold invalid debt to collection agency without my consent to do so.