WillisBack/dataset-financial-user-claim huggingface dataset:
I spoke with the Branch Manager of Mariner Financial in XXXX, he spoke of helping me rebuild my credit. He then referred me to XXXX car dealers, XXXX being XXXX XXXX. 
When the Manager @ Mariner Finance thought I did n't go see XXXX Rep. XXXX he began to yell at me. 
Mariner Finance Manager called me on XXXX/XXXX/XXXX to tell me that I was approved for a XXXX XXXX XXXX with XXXX miles and that I had to hurry up see XXXX and bring the car up to him before his office closed. The call came approx. 
XXXX : XXXX. He wanted pics of the vehicle & additional bank statements at the last minute. The Old Squeeze Play last minute pressure. After signing the paperwork @ Mariner & then XXXX XXXX on a Friday after close of business. 
5 Days later the car 's engine light came on, I took it back, then the engine light returned along with the Traction Light, It stalled in traffic & jumped out of gear. It was never fixed. 
Revealed to be a burnt out transmission by Asst. Mgr @ XXXX in XXXX. Then the battery died. Now Mariner is saying they are NOT responsible & only finance cars. They want me to pay for a dead vehicle that 's been inoperable for 9-10 weeks. After review of my contract my Interest Rate is exceptionally @ 24 %. for 48 months. I had participated in a credit recovery program by purchasing a car with XXXX. XXXX in XXXX XXXX and had paid it off and got a XXXX from XXXX XXXX@4.9 %. I had purchased a XXXX Vehicle, a XXXX XXXX XXXX from XXXX and was 2 months away from the last payment when I re-financed with Mariner Finance. I was in an accident that totaled my car, and the XXXX XXXX XXXX Check was given to Mariner for over XXXX. Short about XXXX owed balance. 
Branch Manager then gave me a check for over XXXX to give to XXXX for the purchase of the XXXX XXXX XXXX which I had never been asked to drive a check anywhere in my history of buying XXXX cars, which I felt was a little weird I was also offered NO Gap Insurance, which I complained about but was n't given any reason why it was denied to me. 
I believe I have been part of a scam based on the following : A. Race B. Economic status C. Credit Status. In housing we have " Predator Lenders '' & along this corridor of XXXX there are Predator Lenders in Housing and I 've encountered 3 : XXXX, XXXX & XXXX that almost cost me my inheritance residential property in XXXX XXXX. Now I add to the list Mariner Financ XXXX & XXXX XXXX. In speaking with other XXXX in that area, they have warned me too late that XXXX XXXX is NO good. The Branch Manager who I complained to about the car stated : " You 're the only one who has ever had a complai nt. I believe this to be untrue & Mariner 's process of referring to what is a known unethical criminal warrants investigation. 
I want out of this unfair & unethical association. Car given back & the monies I 've spent : {$680.00} to Mariner for XXXX car payments refunded as well as the monies I 've had to pay for rental cars from XXXX for 7 weeks : {$1600.00}. 
This debacle & nightmare has cost me our XXXX XXXX due to paying unnecessary monies for rental cars. 
Thank You for your time & consideration! 
XXXX XXXX XXXX XXXX
I began disputing these items with the Credit Bureaus, and more specifically Trans Union and XXXX on XX/XX/XXXX. I sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA.
CCS called my phone and spoke with my brother and disclosed that it was pertaining to a debt without verifying who they were speaking with. This caused embarrassment to me through my family since they know that collections means debt.
HelloI recently applied for a refinance on my home mortgage. from Green Light XXXX XXXX and division of Nation Star Bank. After many weeks of working on forms and sending documents to them. I was told we were going to close on the loan. The mortgage do not pay on your existing loan. The mortgage did not answer my calls. Then Nation Star wanted there late fee.
In XX/XX/2018 I was a victim of fraud, someone across the US was able to make multiple charges that equaled {$490.00}. Bank of America said they resolved the issue and closed the investigation. However, on XX/XX/XXXX, Bank of America decided to deduct {$280.00} out of my account throwing my account into the negative claiming they double credited me in XXXX for the fraud charges and they took the money because it was theres. I was never credited twice by them. XX/XX/XXXX my bank account was again hit with a fraud scam with the scammer deposited a fraudulent check into my account as well as accessing my account. Bank of America locked my account, which I had {$260.00} available in my account, threw my account to XXXX!!!! I have been calling and telling them I want this account closed because I was not being protected and they refused to close the account. XX/XX/XXXX at XXXX my account balance was XXXX, I called and told them to close the account and the woman told me she couldnt close my account because I had a deposit pending. I explained to her that the fraud department assured me that they took care of that fraud scam. She said there was nothing noted on my account about the fraudulent check!!! Right after I got of the phone with her I look at the account balance and it went from XXXX to - {$170.00} right after the call. Im tired of them stealing my money and not protecting my account. Ive spoke with numerous people and get no help and told its my fault!!
Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask XXXX  XXXX ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with XXXX XXXXXXXX is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
I was unemployed due to business closure for 18 months and got behind on my loan. I am currently employed and have tried to get a loan modification that will help me pay my current plus the arrears but I have been denied by XXXX XXXX. I want to keep my home and I am working three jobs just to get extra income to pay my mortgage and arrears, but XXXX XXXX  has refused to help me with a viable plan. They appear eager to foreclose my home and have stopped taking payments from me which has caused me to get further behind. I want to keep my home and make my payments as I did prior to my job loss. Any assistance you can provide will be greatly appreciated.
On XXXX/XXXX/2016 I sent {$300.00} plus a {$10.00} service fee through my savings account at XXXX Bank to Western Union via online. I was to receive an email with the tracking # but no email arrived. I did not have a tracking # and when my son went to pick up the money he was unable to get it. Online at both my bank and Western Union ( using my cell phone # at WU ) I was informed the money was transferred from my account and was at WU. I went online to WU and after 2 hours online and on the phone the rep told me they would resend the email with the tracking # within 24 hours. An email again did n't arrive and on XXXX/XXXX/2016 I called WU again. I was told they never resend an email but they could refund my money and I could resend the money again. After being on the phone for 30 minutes the rep said he had to transfer the call so I could get a tracking # for the refund. I spent another 1/2hr on the phone to finally be told WU can not refund the money and I would have to do that thru my bank. I finally resolved my issue by calling my bank. WU lied to me from the beginning about everything. If I had n't pursued thru my bank they would have kept my money. Their reps do not speak good XXXX and lie to the consumers.
I can send copies of the trial payments a little later, I am not home at the moment, My problem,,, I fell behind at seterus mortgage and after talking to them they agreed that if I make 3 trial payments on time my mortgage will be permanently modified. 
Sent in payment 1 and got a letter saying the funds were insufficient and placed in a suspense account, Same day got a letter saying my loan was sold to XXXX XXXX. 
I'm afraid that seterus is using this strategy to negate the lower trial payment agreement and forclose. 
Thanx.
This is the latest of about XXXX Companies wanting to collect money from a " XXXX XXXX ''. The calls have been occurring about every 4-6 months since 2011. There is no XXXX XXXX at this address/phone number. We have turned in XXXX other fake Company in the past because they started using threatening language. Please shut these guys down- they will never get money from us. They are simply annoying now.
I borrowed {$1000.00} fro XXXX XXXX XXXX. XXXX XXXX failed to disclose that they are under investigation by CFBP for their lending practices. In addition, they are not licensed to issue loans in the State of Washington, where I am a resident. 

If I were made aware of this issue, I would not have obtained the loan.
XXXX XXXX is reporting incorrect information on my Experian credit report. This is in reference to account number XXXX. See attached Experian credit report pages XXXX and XXXX. XXXX XXXX is reporting the following incorrectly : -Status : Foreclosure proceedings started. 
-Comment : Foreclosure proceedings started. 
-Payment history : Showing foreclosure as of XX/XX/XXXX and XX/XX/XXXX. 
This is incorrect information and I have disputed multiple times to no avail.
XXXX XXXX has already removed account # XXXX from my credit profile discharging it because they couldnt produce documentation with my signature or a instrument of indebtedness or any type of electronic signature or any photo Id or social security card to prove I opened this account. Now today XX/XX/2018 I receive a letter from them stating they verified the account buy sending me a bill in what way shape or form did that verify anything. I never authorized this account. Produce proof of me opening this account with documentation if not leave me alone or I will seek legal action against you and XXXX which is the original creditor thank you
I have a Cap One credit card. Because I was late with a couple of payments, my interest is now 29 %. I do my best to catch up, however what follows is what happens ; I started out with a {$3000.00} balance. I have not charged on the card in over XXXX years. However, my balance is only down to {$2300.00} because of the add ons. If I pay {$200.00} and its not the total amount due, I am charged a {$45.00} fee, plus over % 50 interest. Therefore I can not catch up. Ive actually paid over {$4000.00} in the last XXXX years but still owe {$2300.00}.!
I opened a Macy 's XXXX credit card roughly XXXX years ago, for which I had a physical credit card issued. In the last XXXX months Macy 's created a separate " store credit '' account under my name separate from my XXXX account ( no physical card, no notification of creation ). This " store credit '' account only tracks purchases made online at Macys.com or through store purchases, both made using the XXXX card. All other purchases made using the XXXX outside of Macy 's are charged to the XXXX card. In XX/XX/2016 I fought a late fee on the " store credit '' account and signed up for autopay, and was reimbursed the late fee and paid the remaining balance in full. Subsequently I was charged interest on the {$0.00} balance, supposedly because it was a delinquent payment ( even though the late fee was waived and a customer service rep submitted the payment ), though I was not notified that the {$0.00} balance would carry a fee. I received notification in XX/XX/2016 that my account was yet again past due, this time with a {$31.00} late fee attached, along with an additional {$4.00} in interest on the previous {$0.00} balance. Apparently the autopay was not set up. I called to have the late fee removed and set up autopay. The late fee was removed but will likely hit my credit report as a delinquent payment. I have not missed a payment in XXXX years and was a few days late on XXXX payment in setting up autopay. 

Macy 's has XXXX XXXX ) set up a secondary credit account without my knowledge or notification for store purchases only, ( XXXX ) charged me interest and late fees on interest for carrying a {$0.00} balance, and ( XXXX ) charged a late fee of {$31.00} without sending a statement.
I intend to dispute this directly with the credit reporting company. They mailed me a collection notice dated XX/XX/2017 that contained the 30-day validation notice ( as required by law ) for a balance that I was unaware was allegedly due from a medical procedure done last year. I immediately picked up the phone and called the medical office for an explanation. It appears to be an insurance issue. I disputed the amount but went ahead and paid the collection agency to prevent the account from being furnished to the bureaus. My next step was to write them a certified letter requesting full validation of the debt ( regardless of it being paid ). I got an alert from XXXX saying that a negative collection item had been reported by Credit Systems International , Inc. on XX/XX/2017, which was still within the 30-day window. I am demanding that this trade line be removed from my credit report immediately. I am in the process of refinancing my home and am being damaged by this. My next course of action is to hire an attorney and to sue them under the provisions of the Fair Credit Reporting Act.
I am contacting to explain my complete frustration and concern about the total lack of privacy and security exhibited by Bank of America during my loan modification eligibility process. 
When the process started, I initially had to set up a secure account online that I automatically assumed would keep my personal information safe and protected from cyber predators.I was then asked to provide personal tax details, banking and mortgage information via electronic uploads.This information unfortunately included my social security #, my bank account details and XXXX information. 
I accessed the " secure '' Bank of America Borrower portal on the weekend to check on the status of my loan modification application and to my absolute dismay and horror I was able to look at the following : Statements and earnings information for a lady in XXXX XXXX, CA who is applying for some sort of change to her banking methods.This lady had submitted these confidential documents to Bank of America but they have been deposited in my portal and possibly other people 's portals to see.Very disturbing!!! 
Statements and social security information from a couple in XXXX XXXX, CA who are also trying to make changes to financial situation.This couple 's private information was available to view in my portal which is totally wrong and should not have happened. 
I did not see an uploaded copy of my XXXX for 2016.I wonder whose portal that is in??? 
I am extremely concerned that all of my assumed confidential information that has been disclosed electronically to Bank of America could be in the hands of potential criminals who could steal my identity and destroy me financially.It is obvious that BOA have a very insecure network that distributes very private and personal information into the wrong portals.I am also very disturbed at the lack of concern shown by telephone personnel that i spoke to when I found this problem. " it was just a mistake '' is not what I wanted to hear.It is a very serious mistake and there should be consequences for this happening. 
I have absolutely no confidence that my personal information will remain confidential with the Bank of America secure borrower portal.I have no idea who is looking at it.I will forever be checking my credit report and very concerned about identity fraud in the future. 
My lawyer and I will hold Bank of America responsible for any fraudulent activities that take place as a consequence of this very unprofessional act.At this point I am not sure if I should continue with the process.
I received a collection letter from Choice Recovery Inc. alleging a debt to XXXX XXXX XXXX in the amount of {$120.00}. I responded in writing to inform Choice Recovery Inc. that I have no record of any {$120.00} debt to XXXX XXXX XXXX, which office routinely makes billing errors, and that a bona fide dispute exists as to whether or not this debt exists. I did not hear back from Choice Recovery Inc. ; certainly they did not provide me any documentation to evidence the existence of this debt. However, on XX/XX/2018 Choice Recovery Inc. informed the credit ratings agencies that this debt had been placed for correction. My FICO score dropped immediately dropped from XXXX to XXXX.
Do n't know who this Company is. In the past there were Companies in my Credit report that belonged to someone else, not me.
I contacted this company back in 2014 explaining they needed to bill my insurance and they failed to do so.
I applied 4 a XXXX rewards card via Chase received it on XX/XX/XXXX and had 90 days to make purchasesI presumed my bill have  surpassed {$3000.00} balance but indeed it was only XXXX but heres the catch ..In good faith, I placed {$3300.00} on the account immediately on XX/XX/XXXX to ensure I met my {$3000.00} objective to get the XXXX bonus points.. I never received an account summary until after the 90 days but I was not worried or expecting one it because I was calling diligently inquiring about why I hadnt received my bonus points because they would appear on my XXXX app with my XXXX membership numberand there is a record with XXXX and Chase credit card section that my calls started after I made my {$3300.00} payment to secure any chances of not having {$3000.00} in the pot for the promotion .. I called diligently a total of six times and Chase always informed me that I would get the XXXX points and call back later it can take up to 12 weeks to get the points ( Chase agents they didnt know why I hadnt received my bonus points and this was the same dialogue after each time I called them spending several minutes looking at my account summary never once suggesting that I needed to make another {$100.00} worth of purchases which I was never aware of until 120 days later when they conveniently found out after-the-fact the reason I didnt get my points when someone could have alerted me the previous times that I anxiously called asking where my points were I called them within the first three weeks of the time I used the card chase and XXXX customer service and also XXXX also informed me this was a Chase matter ( I also had spoke with XXXX and Chase multiple times ) each pointing the finger with no resolutionbut XXXX put an inquiry in with chase I kept calling back to chase for answers theyre Records validate my diligent calling I always inquired about my points i gave Chase an extra 4 weeks since XXXX and chase both advised meit may take up to 12 weeks to get my bonus points Only after the 90 day grace period of the deadline regarding the matter of {$3000.00} needed on purchases did chase tell me I missed the purchases criteria by {$100.00} and my beef is each time It called Chase over the 90 day periodthey spent an average of 10 minutes on my account but never advised me u still have to make another XXXX dollar purchase because all my purchases were done in XX/XX/XXXXand never until the 120 th day mark did Chase advise me this was why I didnt capture the pointsI got this card solely for 4 free nights with XXXX costing me upward of 4000 to date because I continued using the card as a loyal customer we all have oversights, but the fact that I inquired consistently after the purchases and payment of XXXX on XX/XX/XXXX should indicate that in good faith I did my part and was trying to find out what the dilemma was if any about my points but always informed me to keep waiting Help Sincerely, XXXX
I would like to be included in the CFPB 's case against Western Sky and Delbert Services Crop. I had taken out an online loan initially with Western Sky and then it changed to Delbert Services. I live in Arkansas and see that there are laws that restrict the interest rate at a certain percent. I am referring to this case :1UNITED STATES DISTRICT COURTDISTRICT OF MASSACHUSETTSConsumer Financial Protection Bureau , Plaintiff, v. No. XXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, DelbertServices Corporation , and XXXX XXXX XXXX , Defendants. 
FIRST AMENDED COMPLAINTIntroduction The Consumer Financial Protection Bureau brings this action againstDefendants XXXX, XXXX, XXXX XXXX, XXXX, Delbert Services Corporation, and XXXX 
XXXX XXXX under the Consumer Financial Protection Act of 2010 ( CFPA ) ,12 U.S.C. 5531 ( a ), 5536 ( a ), 5564 ( a ). Defendants purchased, serviced, and collectedconsumer-installment loans that state lawsrendered void or limited the consumer'sobligation to repay. As a result, Defendants took money from consumers that thoseconsumers did not owe and typically could ill-afford to lose. 
Case XXXX XXXX XXXX XXXX XXXX feel that i was taken advantage of and overpaid on a loan that was supposed to be {$1500.00}. I only received {$1000.00} ( after a {$500.00} fee ) and had to pay them {$190.00} a month for two years.
I've contacted this company regarding this account as my current report reflects that I've disputed and requested to be permanently removed as this account is not mines and placed on my credit report with this unknown company that I signed no obligations with.
The complaint I have is two fold. I am currently trying to save my home BECAUSE I was connected with a Mortgage broker who had me sign papers but never explained to me how the XXXX renovation process went. Everyone I worked with redirected to someone else. I have emails upon emails regard people telling me to go to different people up until this point I have been told that I don't qualify for a modification because I have only been in my property under a year. I will be calling and writing Washington BECAUSE what has happened to me is CRIMINAL and I WONT lose my home due to negligence. I have phone conversations, emails and texts of me asking for help or trying to understand the process all on my own. My ISSUE is I was told that there was assistane to help cover my living expenses during the XXXX process but I was NEVER told the request for these funds needs to be included in the work scope prior to closing. I am in a financial crisis now which partly my fault because I tried my best to handle this on my own. I havr maxed out ALL my credit cards. My credit is ruined and as a result of late fees and insurance increasing I can't afford to pay my mortgage. I'm in the process of applying for the HOME SAVER Grant and I really hope they can help me. But never the less this issue that I'm now in partly has to do with how I was TREATED during and after the mortgage/closing process. I signed documents and asked more then one time for help before deadline approached and was advised that everything was ok. I would like to see if you could offer any assistance with this matter before I move up the chain of command. On my part I have waited a long time with the hope of trying to resolve this on myself and I should have NEVER done that. I'm now facing losing my home and I have not even been there a year. It's sad and stressful but I know someone can help me I just have to keep looking and writing and start to hold people accountable ( this includes me ) for there actions. Please help me save my home.