WillisBack/dataset-financial-user-claim huggingface dataset:
I was in need of money and I decided to get a payday loan, but I made the mistake of doing it online. I got matched with multiple lenders and they called me in the first stage with what they had to offer. I renewed a little later again with them since I almost lost all my money paying it back to them. So, now I am short of money again and I re-borrowed. The interest rates they have and the number of loans are prohibited by the State of Indiana. Also, these loans and their companies are illegal and not licensed in State of Indiana. I talked with Department of Financial Institutions ( DFI ). They said these are illegal practices. They suggested I close my bank accounts and call out these lenders who get people sucked into traps like this when they can not actually even offer or enforce these based on the State Laws. DFI suggested that I log a complaint against such institution here at cfpb Lendgreen : {$1000.00} https : //www.lendgreen.com/
I was supposed to receive a credit card bonus of XXXX miles through my chase XXXX card for spending a minimum {$2000.00}. The last transaction had been approved but was still pending. I reached out to chase customer service through secure messages and was told when the transaction posted I would receive the bonus. Then on XX/XX/XXXX I reached out to chase customer service to confirm I would receive the bonus about my pending sale. They then got back to me and said they would not honor the bonus because the transaction was pending after the date required to spend which was XX/XX/XXXX. I was lied to and I was not able to attempt to spend money through a different retailer because they informed me of this AFTER the deadline. This was also after telling me I had met the spending requirement.
Bank of America charged me XXXX {$35.00} on the same overdraft charge for XXXX item for less than {$20.00}. They said my account overdraft on XX/XX/XXXX but sent a certified email stating that my acct was less than {$25.00} on XX/XX/XXXX at XXXX XXXX. So they waited until sleeping hours to process the charge and before I could transfer the additional funds ( which is totally possible considering I have XXXX accounts with them ) they charged me an overdraft, and not once but FOUR times. I then called and was put on hold for over 30 minutes and got hung up on.
A collection company sent a letter stating that I owe {$900.00} for a cell phone from XXXX XXXX XXXX. The collection company is First National Collection Bureau , Inc. located at XXXX XXXX XXXX, XXXX, XXXX XXXX but the return address is a PO Box , XXXX XXXX, in XXXX XXXX. I have never had a XXXX account and I have been with the same company for almost 21 years now. Also, the address I live at is a home, and they added an apartment #. I think this is a scam, and I worry about older people being taken advantage of or other people falling for this. 
Letter states : This is to advise you that your delinquent account has been assigned to our office for collection by the above mentioned current creditor. ( XXXX XXXX XXXX ) Unless you notify this office within 30 day after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion of it, this office will obtain verification of the debt or obtain a copy of the judgment and mail you a copy of such judgment or verification. If you request of this office is writing within 30 days after receiving this notice this officeXXXX will provide you with the name and address of the original creditor, if different from the current creditor. In order to aid your financial situation, as may be necessary, we could set up your account on a monthly payment plan. we would like to extend the following discounted offer : 80 % discount payable in XXXX payments of {$90.00}. Each payment within 30 days of the previous payment. We are not obligated to renew this offer. For your convenience you may pay via a check over the phone or credit card. You have our work that your account executive will treat you fairly and with respect. Sincerely, First national collection Bureau , Inc. *then further down on the letter at the bottom. The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX will not sue you for it, and XXXX XXXX XXXX will not report it to any credit reporting agency.
I continue to have problems financing an d my FICA score is  continually low way under  XXXX . They have my grandfathers information even though we have separate ss numbers, and a different middle name. They have old and outdated information which after corrected reappears. While they will give me a report I can not download it for review, print it or anything. It takes weeks to get a copy meanwhile my finances are impacted. Wrong information is of course shared between all   XXXX   credit bureaus and none evidently care what is posted correct or otherwise.
I had my accounts hacked, cards stolen and transactions appeared on my accounts made by someone else. 

Chase bank themselves contacted me on the day it happened, XX/XX/XXXX warning me of fradualant activity on my account and to call and verify, I called and told them I did not make the purchase at XXXX XXXX XXXX for {$2300.00}, I was told by chase that the transaction had declined. 

In XX/XX/XXXX, Chase bank withdrew the {$2300.00} from my account without any notification and told me I was responsible, yet they are the ones that notified me of fraudalant activity on my cards.
I thought I was on U.S. Government Site. The Company 's name is XXXX. It was advertised as free. Now I 'm worried. I gave them personal information. After the information they asked for a fee wanting my credit card number. The original site I went to was U.S. Government 's Official Web Portal USA.gov. Then I was switched to a company called XXXX. I sent them an E-mail explaining on what happened to FREE? I have n't received a response yet. 

SincerelyXXXX XXXX
Sent from my iPad Begin forwarded message : Good evening my name is XXXX XXXX, the reason for this email is .I purchased a vehicle last year in XXXX from XXXX, although I was n't approved the first day .My salesman called me the next morning stating he had gotten me approved for a 2013 XXXX XXXX .Since having the car it 's been in the shop three times, then when I called today because of the payoff amount .I found out west lake is charging me an extra XXXX XXXX dollars in interest, plus I 'm going to end up paying XXXX XXXX XXXX dollars for a XXXX .Now I will take the blame on my part for not throughly reading every word of that contract .Yet I was never told by my sales man, that I 'd have to pay that much and he never informed me that I had the options of choosing any vehicle that fell in that amount .When I try and trade the vehicle in, I ca n't because of the negative equity in the car, and no one will refinance because of the price .So pretty much I 've been throwing money away because I 'm still owing XXXX after paying a year .Ive paid almost XXXX $ into that car and every dime has gone toward interest of XXXX $ a day .If I would have none any of this, I would have went to a buy here pay here .I have read all the negative reviews on XXXX, also on the consumer affairs web site about west lake .I serve XXXX XXXX and I do my best to treat others the way he instructs me too, He claims he 's helping the consumers, Yet how can you say your trying to help people that have bad credit, when your charging them XXXX $ in interest. I got this car for my wife so she could get back, and forth, now it has caused unexplained XXXX in our marriage .Im so upset seeing how people can have billions of dollars by hurting others He should be featured on XXXX XXXX. I thought by paying each month for a car note that is due each month, that I 'm paying on time yet I learn today each day after the XXXX, I 'm being charged XXXX $ a day .Im not going to continue to focus my energy on this matter because regardless of how XXXX XXXX XXXX doing unethical business, XXXX is still in control and he fights all my battles .No! I do n't have a home on the beach or billions in the bank, but I do have integrity and the favor of XXXX .I XXXX some one realize that west lake financial services is not helping anyone but The XXXX.I understand that this is a XXXX crime, and the FBI has more important issues, but the XXXX Massachusetts has sued them .The director of consumer relations has sued them .Yet this con artist continues to steal and deceive hard working Americans.Honestly he is worse then XXXX, please please look into this company, have a blessed day Sent from my iPad
Mortgage Loan was Modified XX/XX/2013. 
{$200000.00} was Deferred until the end of the loans maturity date. 
However, Debt Forgiveness was granted 1/4 of the deferred balance in each of the first 4 years. 
Ocwen, the current servicer, has been contacted several times and they demand that the deferred amount will remain on the loan and will need to be paid at the end of the maturity date or upon a refinance. Ocwen even sent the Modification Agreement to me, which clearly states the Forgiveness on page 16 of the PDF, but they have never read past page the first paragraph. Ocwen is still putting me off and not addressing the situation. They say 2 more weeks to a month before they can review it. It's been going on for 3 years now. I've had enough.
I am a victim of identity theft. The following accounts and credit inquiries are listed on my XXXX XXXX and Trans Union credit report, are all fraudulent and unauthorized : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX DC, XXXX, XXXX, XXXX, XXXX Card, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, i never applied for credit or accounts with any of the creditors listed above.
BofA in Colorado has long history of compromised service. On this occasion I was directed to go to a " virtual ATM '' to do a large transaction with a {$3200.00} check to bring overdraft current. I had acquaintance and his friend drive me there. ATM has had problems before so I checked to see if it was fully operational. They said it was. When doing transaction they informed that " second ID scanner '' was not working and told me to " cash check at issuing bank and deposit cash at BofA center nearby ''. I did as suggested. Acquitance XXXX grabbed the cash and dumped me in an alley on the way between banks. This is the latest in numerous compromised banking practices from BofA and frequent misinformation leading to risky transactions. This serious crime was inevitable and the entire community is at risk because of the poor advice and misinformation because of the limited banking practices in colorado with BofA. I am now afraid for my life, cant sleep, broke and traumatized.
I got an e-mail from American express on XX/XX/XXXX inviting me to apply for XXXX XXXX XXXX credit card and get XXXX XXXX miles welcome bonus if I spend {$1000.00} or more within 3 months. I got the card approved. I activated the card and checked about the bonus. I was told I will not get the promised XXXX mile bonus even if I spend over {$1000.00} within 3 months as I had gotten a similar bonus previously during XX/XX/XXXX. 
I read the e-mail and all conditions for the XXXX mile bonus. No where it says that those people who had previously gotten bonus are not eligible. I talked to American express customer service rep. She said that it is the company policy even if it does not state anywhere to the customer. This means American express knew that I will not get the welcome bonus and still sent me an e-mail promising the XXXX miles bonus.
In XXXX the Pennsylvania Higher Education Assistance Agency notified me about recertifying for the income-driven repayment plan. I completed the form and mailed it, along with supporting documents, on XXXX XXXX. I called in early XXXX to check on the status, and was told I needed to fax it which I did on XXXX XXXX. In XXXX I began receiving late notices and on XXXX XXXX at XXXX XXXX. I spoke with XXXX who said to disregard the notices. On XXXX XXXX at XXXX XXXX I spoke with XXXX who asked me to refax the forms and documents, which I did. Then, on XXXX XXXX, XXXX told me to not make a payment until I received an invoice for {$5.00} ( which I have yet to receive ). Meanwhile, I continued to receive late notices. On XXXX XXXX at XXXX XXXX. XXXX said there was some mix-up, put my account on administrative forebearance, and said she would resolve it. On XXXX XXXX I spoke with XXXX who told me to ignore the enormous interest bill and just wait for the invoice for {$5.00}. She said sometimes they take a while to get processed. However, on XXXX XXXX my bank account was debited for {$4300.00}, after many representatives said just to wait for them to correct it. I spoke with XXXX at XXXX XXXX. XXXX XXXX, who told me to resend the request for the {$5.00} payment. And once again my account was placed on administrative forebearance. Meanwhile the interest charges are skyrocketing and this mess is still unresolved. I have once again been placed on forebearance. All I ever requested was a reduced payment due to a change in circumstances. It does not seem like it should take almost a year to process this.
A loan modification request XXXX HAMP was requested and submitted over XXXX year ago with all supporting documentation. My XXXX request showed sufficient income to not only qualify under HAMP program, but to repay my mortgage and start making mortgage payments. In XX/XX/2016, the lender OCWEN wrote a letter advising that the modification was being denied due to insufficient income. However, the income noted on the XXXX shows a surplus every month. The letter although authored o XX/XX/2016 did not get mailed till XX/XX/2016 a month later, without sufficient time to appeal the decision. An incorrect decision was made regarding this loan modification request on my primary residence since HAMP should have been awarded.
I have contacted this company numerous times regarding my account. The company is reporting my account late 30 days in XX/XX/XXXX when they had an issue with their payments systems. The company is also reporting me late 60 days when the company failed to updated my address and I did n't receive statements I have tried everything to make the company make accurate statements to the bureaus and fix my account but they just wo n't comply with the fair credit reporting act. I have filed legal proceedings against the company and hopes that we can resolve this matter. I 'm out of money because of the companies unwillingness to correct errors. Customers should n't have to take this route because of the companies unlawful behavior.
I checked my credit file and noticed that I have over XXXX Inquiries that I do not recognize. I have not authorized any one to access my information. I have called and mailed letters to all of the inquiries to let them know that these are fraudulent inquires on XXXX/XXXX/2017. I have not heard back from either of them.
XX/XX/XXXX - Certified mail sent XX/XX/XXXX - Certified mail delivered and signed for by company XX/XX/XXXX - Follow up letter sent asking to delete record based on item not marked as disputed within the 30 day FCRA guidelines.
Weeks of repeated robo calls that hang up after XXXX rings or when answer machine answers. A message asking to return the call or any message is never left. The calls come through using XXXX different caller id numbers. Violates Fair Debt Collection Practices Act 806 XXXX 5 ) " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. " No one here has any debt that is past due.
After looking over a copy of my credit report i notice that there were a few inaccurate things being reported under my social security number. i tried disputing these items on the credit bureaus website and each time i go to submit it keeps locking me out making it difficult for me to dispute.
I had a house foreclosed in XX/XX/XXXX that had a XXXX XXXX loan. I paid the required mortgage insurance throughout the length of the loan. After the forclosure happen they turned the amount that the insurance company paid to the bank over to a collection agency, Dyck ONeal. They threaten to take my pension check so I agreed to make monthly payment of {$200.00}. I have been making that payment since XX/XX/XXXX. Do they have the legal right to go after me for this amount.
Company states that I owe a remaining balance on a loan of approximately $ XXXX+. I have refinanced loans with this company a number of times over a number of years. I feel that the interest calculation on the loan is incorrect and that I have more than paid off this loan based on the amount of interest paid as well as paying for insurance. The company is continuing to try and collect the remaining balance and is continuously calling work and home. I want the loan to be investigated to determine whether or not it violates lending standards. If it does not then I will pay the remaining balance. If it does I want my account resolved and any negative credit reporting corrected. In addition, I want the Company to cease calling me.
Chase Bank took over a credit card account that I had with another company and raised our interest rates by 150 % without our knowledge or written notice. I contacted them about their deceit and the inappropriate raise in our APR and they said that I could pay off the debt but that was the only way to stop the interest accrual but they would not take back the extra interest already added for the previous months which totaled about a {$700.00} dollars. I paid off the account except for the {$700.00} that I felt was a malicious way to increase their bottom line when they had just received a bailout from the government. They kept adding interest to the interest and then sold the debt to another company. I contacted them and told them that this debt was paid and that they were trying to collect on interest charges that were illegally accrued on my account without my knowledge and that Chase bank had kept adding interest to an already balance that was only interest in the first place. They never contacted me again but this has damaged my credit. I am sure that this has happened to many many people and that they paid the extra interest without questioning Chase Banks practices. My credit card account was always paid on time and I had a 9.5 % interest rate when Chase took over they had raised my APR ( without my knowledge ) to 25 % and this all happened after they received their government bailout. I have copies of all my statements and records to back up my claim and when I contact Chase back and asked them to send me a copy of their letter that they stated they had sent to me about the raise in my APR, they mailed my a shrunken copy of their new customer pamphlet that the print was so small you could not even read it.
Chase currently claims to be a servicer of a loan in my name on behalf of XXXX XXXX. I have already received a letter from XXXX XXXX that there is no such account. 

Please treat this letter as a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). 

Specifically, I am disputing a ) the identity of a true secured lender/creditor, and b ) the existence of debt, and c ) your authority and capacity to collect on behalf of the alleged lender/creditor/note holder.
A letter was sent to Midland Credit Management in XXXX 2014, asking for validation of a debt, however they never validated the debt but what they did send me back was an offer for a settlement amount dated XXXX 2014. I continued to send them letters stating they have n't validated the debt with no response however they continue to report the account on my credit report. As recent as today, I have spoken with the following representatives XXXX XXXX, I was transferred to XXXX XXXX XXXX # XXXX in the Consumer Support Services Department not before he told me that there is a limited amount of time that I can dispute the account. I advised him that this is not correct. I requested to speak with someone in management where I was transferred to XXXX XXXX, Employee # XXXX, who stated he was in the escalation department. I advised him of my concerns which he was in no position to assist. I asked him to speak with someone in the United States as all previous people I spoke with were in XXXX. I was transferred to XXXX XXXX, employee # XXXX who after I explained to him the issues and violations he stated I could only request validation 30 days after receiving their initial letter. I advised him that this not the case and against the law as a consumer can request validation at any point. He stated that a supervisor that XXXX XXXX was not available. I disconnected the call.
lendind club do n't let us pay off our debt using other bank account. We have my ant wife living in XXXX and she give us ( money ) ( her account information for that purpose, ( XXXX account ). Lending club is unable to procedure whit a payment for that simple reason that account owner can speak XXXX and they can verify authenticity of the account because they do n't have a translator. or they are concern above the losing money in interest?
I received a collection notice in the mail from credit protection association l.p. about an account that I do n't currently hold with this company.. I recently contacted the company to about the debt.. I spoke with an agent name XXXX XXXX was rude, disrespectful and I was threatened several times.. XXXX referred to the company as his. I could never get a word in without him being rude and Disrespectful to me.. I immediately got upset with him, and cussed him ... I hung up with him and I got another agent who was a little better but had very little knowledge of his job as well..I asked to speak with a manager, after 10 minutes of being put on hold, I hung up because the manager never came nor did the agent check back in to let me know what was going on ... I have never experienced such rude customer service while trying to communicate with a company..
UNIV OF XXXX has an account on my report from XX/XX/XXXX. They have not contacted me as to debt owed. I had grants and student loans. The information is old and should be off of my report. They are showing the last payment as XX/XX/XXXX to try to keep the account on my report longer than lawful. The information is inaccurate. And all of the other bureaus removed it but Equifax wont.
A medical doctor was reimbursed by XXXX for customary and reasonable charges. He was upset with the amount and sent his full bill to Creditors Discount & Auditors. They placed a collection notice for the full amount even though I made 2 phone calls and responded in writing.
On  XXXX   XXXX ,  XXXX  I applied to refinance my home mortgage. with  XXXX   XXXX . They ran my information through  XXXX  automated underwriting system and I reported back that I had a mortgage charge off.     I know for a fact that I did not have a mortgage charge off. I contac ted CitiMortgage  immediately to clear the issue. After being hung up on and given the run around, I was told they did not report my account as a charge off. The account in question was refinanced in  XXXX  by them. They have refused any further action or responsibility.     In the mean time ... .CitiMortgage is the only one that can clear this error and my rate lock expires in 14 days.
I never heard of this company before and I do not know how they have my number in their system.