WillisBack/dataset-financial-user-claim huggingface dataset:
I took a small loan regrettably from Big Picture Loans, which I am learning too late is a predatory lender. I was given a loan of {$700.00} with a {$240.00} finance charge. I have since paid that off completely with an extra {$280.00}. When I contacted them to stop payments since I had already paid it off, they informed me that I had been continually paying the {$240.00} finance charge but had n't even touched the {$700.00} loan amount, after I had already paid them {$1200.00}! I was not made aware when I signed for the loan that they expected me to pay a 831 % interest rate. I was absolutely shocked, and when I called to voice my complaint with a supervisor I was met with extreme apathy and unhelpfulness. After doing some digging I have seen others have dealt with the exact same problem and you have been able to help them. I am hoping there 's is something you can do to help me with this. In the meantime I am going to file a claim with my bank for the extra {$240.00} charge and put a stop charge on all Big picture Loans payments. 

Here is my contract that I was given AFTER I signed to take the loan. 

XXXX Please let me know if you need any further information and if I can help at all. Thank you so much for your time.
i tried to apply for a loan and was told i had a returned check for {$25.00}. i applied at the only bank i use and they know ive never had a returned check so we are both cconfused as to why this is on my report? i also contacted the supposed place i had the returned check and they looked into their records for this time frame and they have no record of any returned checks. this is an obvious error.
Re : Refund from closed Chase Account I paid for a flight on British Airways using my now expired British Airways Chase Visa card XX/XX/XXXX. The flight was scheduled for XX/XX/XXXX. I cancelled the card XX/XX/XXXX, and the account closed officially by XX/XX/XXXX. I understand from the Chase credit card customer service representative that the account was removed from their system on XXXX/XXXX/XXXX. 
In XX/XX/XXXX, I canceled the flight on British Airways, and requested a refund from the merchant. Per British Airways, my card was refunded on XXXX/XXXX/XXXX, for the amount : {$610.00}. I informed them that the card had been canceled, but they assured me that Chase would send me a check for the amount, even though the account was closed. Since XX/XX/XXXX, I have tried repeatedly to get my money issued to me by Chase, but have been told in writing that they do not have any record of the account since the account was closed. I have documentation from British Airways that they sent the funds back to Chase, but to date, I have not yet received this check from Chase. I am requesting that you please intervene on my behalf, since I have no other recourse at this time. 
Please let me know if you need any more information. 
Thank you XXXX XXXX
Over a period of a year I attempted to modify my mortgage loan by submitting documentation to Wells Fargo. On the pay before the Foreclosure Sale, Wells Fargo denied the modification request because the utility bill for the home had been mailed to the P.O Office Box. The utility service address on the utility bill is the address for my home. The P.O. Box is the address on my Wells Fargo account. For verification purposes, Wells Fargo has always verified my I. I. by requesting the information on my mailing. address
I opened a business savings account ( XXXX ) XXXX on XXXX. Under which time I was informed that there will be a 9 day business hold on all checks for the first 30 days. Subsequently, made another deposit and to sign up for online, I was told that there would be a 9 day hold on all check deposits for 60 days. Informed him that was unacceptable " as a business I need to have working capital '' states where there is a 60 day. Once last check cleared closed my account, he explains that there is a {$25.00} fee for early acct termination. Explained I was closing due to the 60 days window, states well that the policy for new accounts. Called to complain and with both of us on the phone I explain that there had been no disclosure stating 60 day hold. He looked through forms and stated that I was correct, but he was not willing to refund me the {$25.00} because I closed my account based on the information that I received from him. 
I would like the {$25.00} refunded to me - this is totally taking advantage of consumers, I can bet there are more out there.
Navient claims to have purchased XXXX Federal Loans of mine. Without either the original bank or Navient informing me of a sale, Navient shows up on my credit file with XXXX 90 Day late statuses. These two late payments of 90 Days do n't show a 30 days late or even a 60 days late, but just right to 90. This tanked my credit score and is making buying a car difficult as I was told my credit is too poor for a loan.
My son was given two loans that should have never been given to him based on his income debt ratio. The loans were by two separate companies. One was XXXX XXXX XXXX and the other was through XXXX XXXX. The one was for {$20000.00} and the other was {$17000.00}. Since he could not afford the payments they went into collections, which is where his father and myself came into the picture. 

The one loan was negotiated with a XXXX XXXX XXXX. XXXX XXXX Their address is XXXX XXXX. XXXX XXXX XXXX XXXX, Utah XXXX. I dealt with a XXXX and XXXX XXXX. They of course used all the tactics from nastiness to ruining your credit to garnishing his wages. The other company Asset Recovery Solutions XXXX XXXX, Illinois XXXX. I dealt with XXXX and a XXXX XXXX. Same tactics very nasty and threatening. It was a very upsetting experience because they play hard ball and your already upset that your child is in this horrible situation, and your trying to help him through something that should never have happened in the first place.
In XXXX I took a mortgage out with XXXX XXXX bank, in XXXX we fell on hard times and needed to refinance to get some money to pay my sons health care bills. CitiFinancial gave us a new mortgage where we took out XXXX. The interest rate was high but we needed the cash. When the housing market crashed we were in the position where I could not refinance to lower rate sue to the house being upside down. I struggled for many years and eventually had to file for bankruptcy. I get the house through this process. Then I had questions about home modification a few years after this, they told me that I had to wait till I was late on payments for three months before they would look at a modifications. So I did this. They said I was approved for modification, when I asked the terms they said they changed my rate from 8.125 % to 8.004 % and then took all the late payments and fees and put that in the end of the loan. I said that was not a modification, they said take it or leave it or they would foreclose on the property. So now I have a property that is even more upside down, they wont tell me who the investors are, the loan is not federally backed and I am in a position now as a single father where I cant sell my home, re finance or get a modification as they will not work with me.
on XX/XX/2017 I received a call from a debt collection agency stating I owed {$1200.00} for an old apartment. They refused to give valid information about the debt, or the company I am alleged to owe this money too. I was on a month to month contract with this old aprtment complex & can not understand how a XXXX/mo bill turns into XXXX. They did not validate whom they were speaking with and I could have been a 3rd party. I am concerned that they may have given my personal information out to other parties in violation of my rights by disclosing debt to unauthorized parties. The name of this company is Collections Specialist Inc. owned by XXXX XXXX @ XXXX XXXX XXXX XXXX IN XXXX. Their phoine number is XXXX XXXX
Hello- I began paying Ditech additional money towards principal beginning XXXX 2016. I sent XXXX checks. XXXX for my normal payment and XXXX with principal written on the memo section. The mortgage company misapplied my payment. I had to call 3 times in XXXX to have it resolved. I let them know I planned on paying extra each month and to always apply extra to principal. I was assured this would be ok going forward. I then paid my XXXX payment on the Ditech website and indicated the extra amount should go to principal. The payment was again misapplied. I 've called them now 3 times in XXXX to resolve. The mortgage has been applied as of XXXX XXXX. The payment was made XXXX XXXX. However the extra {$500.00} I paid is now sitting against " late fees ''. There are no late fees due on the account. I am worried about the mismanagement of my account and afraid I 'm not receiving the proper credit of payment. I can not call 3 times each month to instruct how payment should be applied. The mortgage company should be able to handle extra principal payments. This is a normal occurrence in the mortgage world. Also my loan is a fixed rate. They have been listing me as a variable rate the last 2 months. My contracted paperwork is for a fixed rate loan.
I 'm XXXX years old and used a website For the first time ever using credit karma to check my credit. Upon looking through the whole website I realized under collections, I owed!! What? I 've never owed anything and always paid all bills. I noticed it was a " Sportmans Guide '' under XXXX ( which is the worst credit rating and have horrible accuracy and will make even the most responsible person still look bad with a horrible report ) The debt collector was JNR Adjustment Company. Says I owed a balance of XXXX. I 've never once ordered or purchased anything like this.my father and I have the same name and I thought possibly it was confusing him and I. This does n't add up and I 'm XXXX % sure this is WRONG AND A MISUNDERSTANDING. I 'm young and have no one to help me through life so I am relying on myself and my credit to help me through life. Realizing I owe and this is stuck on my credit report is absolutely an incovenience and effects my future life drastically. This needs to be fixed immediately ...
Navient is working my case I am been playing my loans from long time. Couples of years ago they discounted my taxes return to pay my loans and til now I am continue paying the same amount. The only thing that I want is a full investigation. 
Thank you {$30000.00} and I never took a long like that
This number calls me on average 4 times a day. So far today, they have called me at XXXX, XXXX, and XXXX. This is ridiculous. There is no reason they should be calling 3 times in just over an hour. They need to leave a message instead of calling like this.
Representative attorney for Portfolio Recovery Associates LLC in Arkansas revived a seven-year-old default judgement I was not originally aware of ( in XXXX ), by pushing through a quick garnishment ( in XXXX ) without doing the due diligence to contact me, confirm an accounting of the debt, or check whether it was time-barred or even an accurate debt. Apparently they garnished {$500.00} from an employer after I was terminated in XXXX, so I was unaware of this garnishment from my final pay. My credit report is clean going back 12 years, so I see no proof of this debt. I immediately requested information connecting me to the debt, but received no account information from PRA. According to CFPB Consent Order # XXXX, Portfolio Recovery Associates LLC and all attorneys associated with them were charged in XXXX XXXX with the burden of proof to review these old default judgements and move to vacate any that could not be proven when challenged by the consumer. It 's {$2700.00} and there is not XXXX shred of evidence in the court file to confirm the debt.
I had XXXX credit cards with Pentagon Federal and they have reaged this account to make it appear longer on my credit report. This is a blatant violation.
I attempted to work with XXXX XXXX at the local office on this but she just blew me off, stating she did n't have time call this number. XXXX BB & T charging me over draft fees when I clearly had the funds in the account to cover said debit. Agent stated something about a pending fee that held the funds and the very next day that pending was also charged an over draft fee, These erroneous action of theft of my money caused a snow ball affect. I have balanced my account now and it should be stable. I want the funds returned to me that BB & T stole from me. I spoke with XXXX this evening and she even said in our talk that the actions of the bank is to hold these funds when in pending, as such this cause additional charges against me. Under a general ledger I had the funds to cover the debits and should not of been charged Over Draft fees. Funny XXXX stated they should n't of charged me but would n't remove these fees. 

Banks use what ever means they can to steal money from us hard working Americans and this needs to end.
In XXXX I was contacted by the company in reference to a monthly payment. I informed them I couldn't pay the full amount due to having XXXX, but I could pay the majority. The rep said that would be fine and she would contact me in XXXX to set up new payment arrangements. In XXXX I was contacted by another representative asking about payment. I attempted to remit the payment by phone, but was told it could not be accepted. A week later, I received another call and spoke with a different representative who advised me {$50.00} was not good enough, and he needed the full amount owed on the account. I advised him I could only pay {$50.00} right now, and he declined to take the payment, again stating he needed the full account balance, and until I paid that he would continue calling and take other measures up to and including court. Since then, they have called nearly everyday and have been given the same information with the same response. They are also calling my friends and family saying my phone is disconnected and they are seeking me to sue for the remaining balance. Today, XX/XX/XXXX I received a call from the regional supervisor. I advised her of the previous conversation, and she said there were no notes and the account notes reflected they had not heard from me since XXXX. This is a false statement since I have been paying monthly throughout XXXX. I informed her of the refused payments, in which she stated there were no notes. She consistently talked over me, not allowing me to speak saying, " If you had paid the full amount, we wouldn't be calling. '' She asked me twice to stop cursing at her, and not once had I used any foul language. She then said she was hanging up on me, due to my language and again, not one time had I used foul language. In fact, I was hardly allowed to speak without her speaking over me. In the past, this company has been harassing in nature to the point of having to file a formal complaint with the local court, due to an employee threatening to have me thrown in jail and my kids put into fostercare.
XXXX without my knowledge and consent removed or deleted my XXXX ( XXXX  ) account from my credit report that was in good standing. This has hurt my Average Age and credit history length. That account # XXXX i did not give permission for XXXX to do this change. I also called about this several months ago, That account # XXXX needs to be placed back on my report. XXXX  has been mixing up my credit file with others, deleting accurate things that shouldn't be deleted, adding names and addresses to my account that doesn't belong to me, providing me with inaccurate information when i call, then when i ask to speak with a supervisor the employee hangs up. 

i'm asking for this XXXX  ( XXXX  ) account # XXXX to be re added back to my account, i did not dispute this account or delete it. This account was in good standing.
Please read this message carefully. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX, XXXX Re : Acct # Fraudulent Accounts reinserted without notifying me To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX XXXX, XXXX XXXX, XXXX, XXXX, Collections Of Athens in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered recently that the item has been reinserted on my credit report. XXXX XXXX posted several bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any  information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly. 

XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
XX/XX/XXXX Chapter XXXX Bankruptcy petition # XXXX was filed in Hawaii and included creditor XXXX XXXX for an unknown amount ( guessed {$540.00} ). 
XX/XX/XXXX Chapter XXXX Bankruptcy discharged # XXXX including XXXX XXXX debt. 
XX/XX/XXXX - XXXX XXXX has continued to forward discharged debt to collection agencies. This item has been disputed multiple times, both directly with the creditor and through the credit reporting agency.
On XX/XX/XXXX I mailed Capital One a letter and check, number XXXX. The letter was an agreement that upon cashing, the debt would be resolved as paid in full and deleted from the three credit bureaus. On XX/XX/XXXX the {$75.00} cleared my checking account but as an ach debit. On XX/XX/XXXX I received an alert that my Capital One balance had been reduced {$75.00} and not removed. 

Attached is a copy of the letter and check that was sent. The debit from my checking and the update of the balance being reduced.
I received a credit alert from XXXX on my credit file from this creditor. I do not know this credit or what is the debt is for. Creditor did not send me a letter notifying me of this debt nor provide my a right to dispute.
Last Saturday, XX/XX/XXXX, I was looking for a concert ticket for the XXXX XXXX XXXX XXXX. I found a guy, XXXX XXXX ( XXXX, XXXX ), who had what he told me was an unregistered ticket for the remaining two days for {$150.00}. He said he trusts XXXX, which upon researching the company I found ALL of the banks including my own ( Chase ) were partners. 

I submitted the payment of {$150.00} and the app told me there was a problem and it did not send. So I sent it again and this time it went through. Upon checking my bank account, both {$150.00} were sent ( {$300.00} total ) despite the app telling me the first one did not go through.

I contacted Chase to immediately cancel the transactions within 5 minutes of it happening. The lady on the phone told me I had to contact XXXX. I hung up and immediately contacted them. The guy on the phone even noticed the error and told me he did see the error, but then told me that there is nothing they can do and that I have to contact Chase. 

I contacted chase again and was transferred to 5 different people. All of them asked me the same questions ( for security purposes ) so this phone call lasted 30minutes. The first 4 people said I had to be transferred. Finally, the last lady told me the guy already withdrew the money so they can't cancel the payment. They sent a letter to the bank but after 8 days, I have received nothing. 

Despite the first payment not even supposed to go through, both went through and the guy went silent. I know {$300.00} feels like a low amount, but the {$150.00} for the tickets was the last of my spending money that I saved just for that concert and with another {$150.00} going missing as well, I am struggling.
On XXXX XXXX, I was trying to finalize the payment for groceries at XXXX when my card got declined. I contacted Capital One by phone and I was informed that my card was flagged with fraudulent activities. The attendant asked me several personal questions and asked me to confirm several purchases. After all confirmation, they informed me that my account would have to be CANCELLED and a new card would have to be reissued for my protection. The problem is that I am currently moving from XXXX to XXXX and this was my primary card during this entire time. With such being cancelled, I had NO CARD OR MONEY until the new one arrived. Besides all this incovenience, I had to wait in line at XXXX while waiting for Capital One to resolve the problem for almost 2 HOURS on the phone when they finally informed me that there would be no solution and I would have to wait until XXXX XXXX when the new card would be sent. With no other alternative, I had to cancel the FOOD purchase and return home since I had no buying power to do anything. On XXXX XXXX I received the card in the morning. I activated the new card and returned to Target to try to buy FOOD once again. When I got to the cashier, the card got DECLINED AGAIN!!!!! Once again, I called Capital One and I had to wait another 30min to be answered and be told that the card was flagged with fraudulent activities. Once again, I confirmed all my account information and all purchase transactions. The card was finally unlocked and I could finalize the purchase but this is simply unacceptable! I was left stranded in a new city by Capital One without any buying power and with my card locked for 72 hours besides all the long waiting time on the phone to be answered and to have any problem resolved. CAPITAL ONE IS LITERALLY THE WORST BANK EVER! I WILL TAKE THIS CASE TO COURT!
I disputed these items back in XX/XX/XXXX. The CFPB sent me 2 emails apologizing for the XXXX XXXX XXXX not responding in an appropriate time. You ( CFPB ) threatened to take action, so instead, in XX/XX/XXXX XXXX XXXX XXXX said that my Dispute was frivolous and unfounded. It is not my debt and when I Disputed all 3 of these again in XX/XX/XXXX through Experian, they removed 2 of the 3 because they couldn't back up the information. I have Disputed now again after XXXX reports the inaccuracies yet again. This is getting ridiculously redundant and all parties involved now are purposely ruining my Credit and my Name! I want this matter resolved ASAP, the remaining account that is charged off is too be removed in XX/XX/XXXX/XX/XX/XXXX. Experian removed 2 of these items in XX/XX/XXXX and now has put them back. I see no other way of looking at this but that these companies are directly sabotaging my Credit Reports. These need to be removed immediately and my scores adjusted accordingly. 

Thank you for your immediate attention to this matter.
Lending Point, XXXX and XXXX have all 3 sent me " loan denial '' letters. I HAVE NOT APPLIED for a loan with either of those companies and DO NOT want it to reflect on my credit score. I am having to rebuild my credit after going through a divorce and I do not need erroneous hits on my credit report. I have contacted all 3 companies and explained all the above to them. I would appreciate action being taken to remove these inquiries from my report. Thank you.