WillisBack/dataset-financial-user-claim huggingface dataset:
Regardless of income, my monthly payment from the beginning of my loans ( of around {$410.00} ) to what will be the end near the end of the loans ( {$600.00} ) is simply too much to pay given my income ( currently around {$28000.00} annually ). These loans are through Sallie Mae. They repeatedly harass my co-signers, refuse to change my monthly payment, or adjust my interest rate ( despite my consistent, never-failing payments ). I received my XXXX in XXXX from XXXX and am fulfilling my dream doing exactly what I want, teaching and playing music. I love my life but find it EXTREMELY difficult to find true financial security ( including buying a car, home, and leisure ). The stress and mental wear that this situation continues to cause me day to day is absolutely awful. It affects every aspect of my life ( including my relationships and overall outlook ).
I have requested validation from this company and was sent a statement but still no signed legal instrument of indebtness with my physical signature. This company also updated information with the credit bureaus while this account was under investigation. I have attached statement that I was sent as well as the information and dates showing that this account was updated with the credit bureaus during the investigation
I went to Bank of America to deposit my promissory note to obtain a mortgage to buy home. The documents I submitted was carefully planned and written with all of the UCC codes and local laws pertaining to the promissory note being a negotiable instrument and legal tender. The document was also notarized. After waiting some time in the bank for a response from the legal department to my request for a mortgage through my promissory note, I was informed that they could not accept my promissory note because it was not a valid legal tender. I would like to have this matter investigated so that I may know the truth as to the validity of Bank of America 's claime. I look forward to hearing from you and thank you so much for your help.
I have a PayPal account and always have had a credit card in file, whether a XXXX or a XXXX XXXX. I also have noticed that they want to force me to use my bank account instead of a credit card. It is really difficult to find the " use my credit card '' option in the website. 
Once while purchasing online, I needed to revise my PayPal account. Suddenly, a window popped up asking me to accept a PayPal Credit card. The website did n't let me go further until I accepted the PayPal Credit Card. In addition, there was not link in small fonts saying " no thanks, take me to my account ''. After accepting the PayPal Credit I was finally able to pass that window and go to the next window to do whatever I was going to do with my account. 
It is my understanding that after that, essentially a PayPal Credit Card was issue to me. as described, I did n't have any other option but accepting the PayPal Credit Card in order to manage my account. I started receiving empty bank statements from the PayPal Credit Card office. I immediately called PayPal and cancel the PayPal Credit Card approximately on XXXX 2015. Everything was fine until recently, when I started receiving calls from PayPal demanding me to pay an item ( and interests ) that I supposedly bought online with the PayPal Credit Card. According to them these interests have been running for 6 months or more. 
I called them up and they said that I have to pay 6 month interests for an item that I bought with my PayPal account ( no with the PayPal Credit Card ). I asked the operator " how could this have happened? '' he said that the information was sent to me via email. I requested him to resend those particular emails, his answer was that by company policies he can not resend them. 
I buy many things online with the PayPal account. Now PayPal have prevented me from using the account. Also, when I go to my PayPal profile, there is not much information about this incident or anything. The information that one sees there is very simple and there is not many details about the transactions. 
I am willing to pay for the item that they allegedly say I bought with the PayPal Credit Card, but no for the interests. 

What can I do? 

Thanks XXXX XXXX
I was making a payment for an item I purchased on eBay through PayPal. While making the payment, Paypal had me put in the DOB and SSN. I did not realize I was signing up for credit line with Paypal. They pulled my credit and gave me a line which I did not want. This is a very deceptive practice. How can they get away with it?
this complaint is regarding XXXX XXXX FKA XXXX, ACCT.NO.XXXX reporting on EXPERIAN, XXXX   AND XXXX  credit bureaus.It is of special significance that this account has been disputed twice within the last 30 days from each bureau and each bureau updated and verified the information each time. 
The evidence attached are 3rd party credit pulls pulled today XX/XX/2019.After multiple disputes verified by each bureau, the information does not match between them and all of them can not be correct even though each bureau says the information is correct.I would like this specious creditor who bought the account or the bank to simply delete the account as a solution for this ongoing problem. 
The proof is clearly readable and understandable for each bureau to act unilaterally to delete this account from a creditor who does not possess the records of the original creditor and is merely guessing as a response to a dispute.
I 'm a single mother of XXXX. Me and my kids were victims of Hurricane Harvey. We lost everything I contacted BMW Financial to let them know we had been displaced. They offered to push 2 loan payments to the back if my loan. I had to contact them numerous times to send the extension contract for me to sign. XXXX XXXX, 2017 I called in and requested 1 more extension. My company closed permanently because of the damages from XXXX and I just started a new job. The rep I spoke with said it was approved and I did n't have to worry about a payment untill next month. 

They deceived me and reported to my credit that I was late and put my vehicle into repossession status. I was promised a service from this company that I never received. When I call customer service they all give me different answers. I ca n't get a straight answer from anyone. They all have a bad attitude and have been very rude to me. I will never do business with them again and would not recommend any one too do business with them either.
This is a belated dispute to the response supplied by imortgage concerning my complaint of XXXX 2015. Their claim that they needed an appraiser to finalize XXXX form XXXX to verify completion of my home renovation is still fraudulent. They are well aware that form XXXX can be completed by either the lender or it 's agent, an XXXX, an appraiser or a XXXX. Imortgage had already released funds for two previous draws on my account with the verification of completion using documents from my XXXX. It would follow logically that after he submitted his completed paperwork and pictures of the final completion of my construction they would have him sign the XXXX form and release my remaining funds. After I complained about the misappropriation of other of my funds to imortgages representative, XXXX XXXX, he decided he would delay my payments and demonstrate his power to control my money. I had already paid the XXXX {$150.00} for the final inspection but XXXX XXXX figured he had the right to see me charged another {$100.00} for an unnecessary appraisal. This {$100.00} is what I want to have returned from imortgage. 
The reason for my delay in response has to do with having to refinance my mortgage, and taking my complaint to the California Department of Business Oversight. They were able to convince imortgage to return the other amount that was misappropriated but imortgage refuses to refund my {$100.00} using their distortions of the XXXX Guidelines to make their case. Any further help you can lend to help me get my {$100.00} refunded would be greatly appreciated.
I checked myself in to the emergency room at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX, ( XXXX ) XXXX sometime in XX/XX/XXXX. I was told by their billing staff before treatment that I would have a {$30.00} co-pay and my insurance covered the rest of the fees.Then on XX/XX/XXXX an account was posted on my credit report in collections for {$850.00} by XXXX XXXX XXXX. When I contacted them in XX/XX/XXXX they told me the account was for unpaid medical expenses from that visit. I had received XXXX correspondence from them them whether by phone, mail, or email. I have had the same phone number since XX/XX/XXXX, there is no possibility of being unable to reach me. I don't even know if this company ever purchased any account of mine as they have sent zero information regarding it. 

I opened a dispute through XXXX on XX/XX/XXXX and their investigation was completed XX/XX/XXXX in favor of the lender. At least now I have some evidence that their company has SOME legitimacy. However, now as of XX/XX/XXXX, as a direct result of my dispute, my account looks like it was sold to PHOENIX FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX But the account shows that it was opened XX/XX/XXXX and not when it originally was posted in XX/XX/XXXX. I researched and learned this is called Re-Aging and is illegal. I have been working on achieving better credit and have had zero missed payments or accounts go to collections in several years and now this company has illegally changed my account with zero contact to me and has affected my credit.
I applied for a Barclays world master card and shortly after I received a email stating that it was approved and the card was on the way. I also applied for XXXX more Barclays credit cards within a two day period.shortly after applying for the latter XXXX cards. I later received a email stating that I need to call in and verify information associated with my credit card application. When I called in to speak with the rep he stated that " the system could n't pull up any public database question and that I needed to send in a copy of my drivers license, ssn card, and a current utility bill. 

The strange thing is when I logged in to the online account I created for the Barclay world master card database question popped right up with no issues. I answered all the and passed the identity verification. When I received my Barclays world master card in the mail and attempted to activate it. the card it was blocked and It prompted me to call in and speak to a representative. when I spoke to the representative he asked me " verify my identity again. '' I again answered all of the question and rep stated he said congratulation your card is approved, a few mins later I attempted to make a purchase online only to find out that my purchase was declined so I had to call back in a 3rd time and they stated that i needed to send in '' ID ''. Are you serious??? according to the system I passed identity verification twice. what is the need of sending in my sensitive personal information that will pass threw god know who 's hands. I got approved for XXXX XXXX credit cards the same weekend with a different bank and have already received the cards with no issues. so at this point I would like to just close the account and have the trade line removed from my report. barclay is a total joke and I do n't want any of there cards ever in life.
XXXX XXXX XXXX XXXX, of XXXX XXXX, MD forced me to accept their insurance even though the car was completely insured prior to and after obtaining the loan. 
This increased the amount of the loan and in turn increased the amount of each payment that was owed, which ultimately let to my car being repossessed after missing two payments. 

The company that repossessed the car is called XXXX XXXX charges a flat fee of {$450.00} to return the car and they add a charge of {$25.00} per day to further deter someone from being able to retrieve their car. 

I had the money to pay the back amount owed to the loaner but not enough to pay the ever increasing amount of the company they used for repossession. 

This company uses very shady business practices. I showed them proof of my car insurance and they still added their own insurance to the car loan and increased my loan amount without my consent.
I have received 8 calls in the today since XXXX XXXX and it is now XXXX XXXX. this is absolutely uncalled for. I already told them I would make the payment Friday and they advised they do n't do promise to pay. why would you call me 8 times in the matter of 8 hrs. to hear the same thing I have told XXXX reps.
My doctor used a company called XXXX to process routine lab work I did. Soon after the lab work was done, I got a bill from XXXX. My doctor explained that the bill was paid by XXXX and no need to worry. Over a year later, I got a letter from a collection agency named " Accelerated Receivables Management, Inc. '' stating that I still owed money to them because of XXXX. I went back to my doctor and he explained that the debt had been paid by XXXX and it was a practice that they were known to be engaged in. I would like this to be investigated as I am being told to pay a debt that was said to have been paid for already.
My mortgage was raise over XXXX due to an escrow shortage of about {$4000.00}. I told them I could not afford this. I have a modification through XXXX. XXXX sold my mortage to Nation Star.
We are encountering a problem with Ocwen Loan Servicing that I believe is of sufficient severity and impact to require the enforcement actions of the Consumer Financial Protection Bureau ( CFPB ). These are problems that never should have started, should have been stopped a long time ago, and are still happening right now in spite of endless consent orders ordering them to stop this behavior. 

Ocwen does not answer its phone and it is not returning any messages while it is at the same time trying to sell our home on XX/XX/XXXX. 


9 calls now : 1. ) Tuesday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 2. )  Wednesday XXXX XXXX  XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 3. ) Wednesday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 4. ) Thursday XXXX XXXX  XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 5. ) Thursday XXXX XXXX  XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 6. ) Friday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 7. ) Saturday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 8. )  Saturday XXXX XXXX  XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 9. ) Saturday XXXX XXXX   XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE We really need help to put a stop to this. It is essential that people be able to communicate with a live person when the servicer is trying to illegally sell their homeespecially when it is illegal. We dont even know if these lawyers who are trying to sell peoples homes even have instructions or any authority to do what they are doing. We have to know what is going on in this situation. We have been continually fighting these problems with Ocwen, and the situation just keeps getting worse. They have been sued a number of times by the Consumer Financial Protection Bureau ( CFPB ) for problems like this, and they are legally required by court orders to handle these issues properlyand to not do what they are again doing right now. This problem is very serious and they are in clear violation of the law. They are ignoring numerous laws and consent orders. The CFPB must enforce these laws and orders. These illegal actions by Ocwen must be stopped immediately by any means necessary. The CFPB must take action to put a stop to this insane situation. No American citizennor anyone else for that mattershould have to go through this kind of experience in a civilized society.
I have the credit bureaus to remove the citizens bank students loan off of my credit report and they refused I stated to them that I do not owe any money 's to citizens bank for a student loan which.have been verified by XXXX that I do not owe them any Money and they still have it on my credit report as well as money they alleging say I received from the bank on account I do not have
Received letter dated XX/XX/18 from XXXX XXXX XXXX stating credit score of XXXX from XXXX. I havent applied for any service from XXXX XXXX XXXX and have excellent credit. I keep a freeze on my credit from 3 main agencies since all social security numbers were compromised in XXXX XXXX a few years ago. Why did my credit get run without me applying for something? I cant get any answers from phone calls attempted. Also, address is incorrect on letter.
Applied with a VA mortgage with XXXX XXXX XXXX, XXXX XXXX was our agent. We supplied ALL information that was needed, received a preapproval for {$220000.00}. After being into the process XXXX and half days, with closing being on the XXXX of XXXX, he stated that my husband needed to return back to XXXX MO in order for our loan to be secured due to underwriting stating that he must have full time employment. This was untrue after we contacted our local VA our of XXXX Texas. Because my husband receives XXXX and retirement, we where more than secure for the loan. This lender did n't know their VA rules and updates! My husband had job offers available to him, here in the state of Texas, but due to XXXX, XXXX XXXX, he was unable to meet those obligations and returned to the prior police department, which put a hardship on our family, only for XXXX to not supply us the loan being XXXX and half days into the process. We feel we have been lied to and discriminated against!
I received a loan back in XX/XX/2001 with XXXX/Navient. Over a course of years my loan was sold ( without my knowledge ) and the amount owed increased tremendously. This is affecting my credit and still appears on my credit report. My current loan, after being consolidated, is now with a new company. What is going on?
Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX/XXXX XXXX in XXXX Georgia Regional Acceptance Corporation XXXX XXXX GA XXXX : Acct # XXXX ( original creditor ) Re : Acct # XXXX ( collection agency ) Make of car : XXXX XXXX XXXX : XXXX XXXX # XXXX To Whom It May Concern : I am writing in regard to the above referenced accounts and transactions. 
This vehicle was repossessed by Regional Acceptance Corporation in the State of Georgia on or about, XXXX/XXXX/XXXX, and reposed and brought to XXXX XXXX. When I called to speak to a representative at XXXX XXXX I was told that I had to provide information and the lender which is Regional Acceptance will provide me with that information. I then call back and was given the VIN number to use to find where the car was repossed. I then called back to the company provided information and was told their hours are until XXXX XXXX. Tuesday I called spoke to a rep and was told that the fee is based on the lender this was from XXXX XXXX. Called spoke to XXXX and was told to call her back to discuss the information about the car she is the supervisor over my account. When I called back to get the total amount due because I had to take a loan I was told that because the company was closed Saturday and Sunday they would not charge. However Monday XXXX/XXXX/XXXX the car is still at XXXX XXXX and now they require XXXX dollars and they close at XXXX XXXX and the car was not released until XXXX XXXX. 

Sincerely, XXXX XXXX
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 


BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX/XXXX  Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$700.00} Company : XXXX  Account # :XXXX  Date Open:XX/XX/XXXX Balance : {$1400.00} Company : XXXX   XXXX/XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$11000.00}
I was sold a car under false pretences on XXXX/XXXX/16, the day I took the vehicle off the lot I noticed it was not what had been promised. I took the vehicle to the manufacturer that informed me the car appeared to be in an accident and any repairs that would be covered under warranty became null and void. I called the dealer and told them I no longer felt comfortable with the vehicle and was going to return it. I called on XXXX/XXXX/16 to put a stop payment with the financial institution and was told it would take 2 days to process. I have called continually for the past several days as to the status of the stop payment for a car that was returned on XXXX/XXXX/16. Yesterday XXXX I was informed that the payment had been cashed.
Since I have opened my account I have been plagued with issues such as the inability to properly access my account online or by phone. My account locks out and I attempt to follow the self-service steps to perform a password reset and I am told that I must call for an authorization code. Only to be met with a message that they are closed. I call in when they are open and am continuously met with a minimum 38 minute hold time and often the representative that answers is unable to assist or service my account. They then proceed to transfer me back to the IVR/menu and I have to go through the prompts and then be placed on another hold for over 38 minutes. Tonight alone I have spent over 2 hours combined on hold with no resolution to my problems. I've voiced my concerns to the bank and no one is interested in resolving my issue. The WRONG phone number is listed on my statements and when called direct me to a client managed department with no wait. They attempt to pull my account up and always transfer me back to the main menu where I have to manually input information to be thrown into a general queue with a magic wait time of at least 38 minutes. This is highly unacceptable.
I have disputed this issue with all credit bureaus but I think they did n't understand my dispute. My complaint is about XXXX Mortgage XXXX. Wells Fargo Home Mortgage lost a class action suit because of their fraudulent mortgage practices.. I was part of that suit. It started 2012. I left consumers an option to recover additional monetary damages and other remedies. My credit has been damaged because of them reporting it as " foreclosure ''. I ca n't get any credit, loans, etc. 
My mortgage account was under XXXX XXXX.
Bank of America keeps charging me a maintenance fee when they are not supposed to. I filed a complaint about this once before and the bank called me, refunded the fee, and promised it would not happen again. This time, they charged the fee to my savings where I did not notice it for over a year.
This is my Fifth formal complaint last XX/XX/XXXX over 30 days, and asks you to investigate the business practices of Transunion. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 
I have asked that XXXX Credit Card XX/XX/XXXX and XXXX XXXX Credit Card XX/XX/XXXX and XXXX XX/XX/XXXX, XX/XX/XXXX be removed as this was opened as a result of ID Stolen. This has been Removed/Deleted by XXXX and XXXX, however Transunion has been reluctant. My ID was stolen to Open Accounts with XXXX XXXX Credit Card- XXXX Credit Card and XXXX XXXX XXXX XXXX Of which I have sent in my Police report and Notice asking these be remove with immediate effect. Transunion 's failure to properly adhere has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, persons affected with ID Theft 's Accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed. Failure to do so by Transunion this fifth time will pave way for a suit within 5 days.