WillisBack/dataset-financial-user-claim huggingface dataset:
I never agreed or signed any document to have a loan taken out on my name for solar panels, nor do I live at the property where the solar panels were installed. A sales man told my elderly mother that they can use my name to take out a loan for solar panels at her home if she did not qualify. I never knew the loan existed nor did I ever sign or agree to any such loan. My mother is elderly and was taken advantage of. Now the finance company is calling and harassing me for payment. I called them to ask them what this is regarding as I never knew such a loan existed and that was the first time me hearing that this loan existed. When I spoke to Greensky Loan Services they said if they obtain my information the loan is valid. I could not understand how a {$27000.00} loan can be taken out in my name without my knowledge or signature, that is complete fraud! There are other lawsuits against this company as well for scams!
I created a coinbase account on XX/XX/XXXX, I completed my ID identification by uploading my 'temporary ' US driving license which was accepted. The coinbase stated that I was verified and ready to go. Then I linked my XXXX XXXX XXXX account and deposited XXXX dollars in it on XX/XX/XXXX. When I tried to buy bitcoins it didnt allow me and asked me to input my SSN information ( which I do not have because I am an international student on an XXXX XXXX ). At that moment I realized it is not possible for me to trade on there since I do not have a SSN, so I tried that to pull my unused/untraded money out of my USD wallet and back to my bank account, but it is also requiring a SSN, which I do not have. Basically I am trapped because the website allows you to deposit after uploading your ID but only requests SSN information when trying to sell/buy/withdraw. I have called them multiple times, reached out to their twitter, reddit accounts, no response. I also submitted a ticket on their website, in which they have responded around 5 times with automated repeated messages and then close the case each time, and I have to re-open it. 


PLEASE HELP!
I 've been paying {$400.00} to great lakes higher education to assist my son, XXXX XXXX, in paying his student loan. I 've made XXXX $ 400 monthly payments since XXXX 2016 thru my XXXX XXXX XXXX online bill pay account. XXXX XXXX XXXX has sent the funs electronically to Great Lakes after we provided an account number. The XXXX payment was never credited to my sons account. After multiple inquiries, Great Lakes told my son that they ca n't credit XXXX payment because it was sent to wrong address - even tho the funds were sent electronically. Great lakes was selected from XXXX website list of payees - there is no address or Great Lakes account to select or that could be selected incorrectly. Furthermore, great lakes says it will take 30-45 days to return the money. I canceled the XXXX payment on XXXX XXXX XXXX website but it was paid anyway ( I have no documentation that I canceled it, but remember doing so ). XXXX XXXX XXXX has made feeble attempts at solving issue, even though it appears they paid wrong account. XXXX XXXX XXXX essentially made one phone call in which great lakes refused to speak with them without me. I was never contacted to be on that call, but I 'm not even the loan account holder. I would like immediate return of XXXX and XXXX {$400.00} payments - {$800.00} total. And I would like some action taken that prevents companies from Great Lakes and XXXX XXXX XXXX from this fraudulent activity - namely, Great Lakes for taking my money and holding onto it for an unreasonable ( and probably illegal ) amount of time ; and XXXX XXXX XXXX for not restoring funds to my account after they incorrectly paid a payee. 

thank you XXXX XXXX
Horrible experience. Car repossessed after one late payment. They tacked extra fees, required payment in one weekweek which was impossible and I had to pay {$75.00} to get my personal belongings that were still the car. I 've been a customer for almost two yrs
I am looking into buying a home pulled up my credit report and seen a fraudulent cell phone account XXXX XXXX  # XXXX I do not have a XXXX account for {$3300.00}. I have several unauthorized inquires for lenders I do not recognize. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX VIA   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX DO VIA XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX VIA XXXX XXXX XXXX
I picked up a XXXX in XXXX Ga XXXX. The truck was a lemon. The truck made it back to XXXX and quit. I had a mechanic look at the vehicle. He stated the vehicle was a lemon and It would not haul any load because the vehicle reconditioned. The truck broke down and was towed to wrecking yard at XXXX request. I received a check from insurance company in which I then gave to XXXX 's for {XXXX} I had this vehicle one day which the law allows for 30 day I believe in state of Texas. However how is it that I owe XXXX on vehicle the insurance only paid half. The account does not belong to me but it belongs to XXXX 's XXXX and the trucking company they guided me to.
I have a Mortgage with Loan Care which was paid on XXXX/XXXX/2016 using my on-line pay bill as it is every month and the company is charging me a late fee because the funds were n't received by the XXXX of the month. This is the second time Loan Care has stated they did n't get our payment on time. 1st time they stated that they saw our payment was made on time and they would " waive our late fees '' even though the payment was made on time. This time they stated that they could n't see the payment being made. I offered to give my the confirmation number of the payment which XXXX employee ID XXXX refused to take he stated that I need to my bank fax in prove of the payment so they could research the matter. At this point I requested to speak to a supervisor XXXX refused he stated that their was n't a supervisor available at this time and he would take my phone number and someone would contact me back with 48hours. This is the second me or my wife have requested to speak a supervisor and were refused. Loan Care is purposely posting my payments late so they can charge me late fee 's which are not valid. This is a prefect example of predatory mortgage servicing which is the unfair, deceptive, or fraudulent practices of lenders and servicing agents during the loan or mortgage servicing process, post loan origination.
XXXX XXXX, 2017 XXXX XXXX XXXX called my phone attempting to collect a debt. I told them I was unsure this debt was mine, and I asked for a letter of validation. The representative on the phone would not send a validation letter, but said he would settle the debt for 50 % of the price and send a letter in the mail stating that the debt was paid. I am reporting this company for refusing to send validation. I was on the phone for 5 minuets and 10 seconds, which is more than enough time to tell me they would send a validation letter.
Hello, I received a call from XXXX XXXX XXXX XXXX XXXX at approx. XXXX XXXX on XX/XX/2017. This call was from a representative of XXXX XXXX credit cards collections department. The call resulted from my account being 115 days past due. I ask the representative what would happen if my account was more than 120 days past due and the rep stated the account would be charged off, negatively effecting my credit. I explained to the rep that I was experiencing a financial hardship and the difficulty involved in me being able to make a payment. The rep restated that their policy was to consider the account for charge off after 120 days showing complete disregard to his companies actual policies which can allow an account to be delinquent for up to 180 days before being considered for charge off. A simple notation on my account stating my intentions of paying should have been enough to delay any actions. After double checking his companies policies, the representative stated that he had been incorrect in his prior answer and stated a charge off of the account would occur within 150 days instead of 120.
Called number for EQUIFAX provided to me today. 
Have been on hold 1 1/2 hours now. 
What I do get, as CFPB knows from it 's audit calls to the number CFPB provides the public, is marketing efforts while " on hold. '' I have gotten free annual credit report from two of the three - but EQUIFAX now says to request in writing ; I.e., introduce mail risk into the mix. 
How do I get free annual credit report from EQUIFAX? 
EQUIFAX runs one through process - entering SSN twice, etc. - then says " try again later. '' Have placed freeze with other two. 
How do I get credit freeze applied at EQUIFAX? 

Does CFPB brochure describing the credit system controlled by these three? 

If not, can CFPB direct consumers to an source for an explanations?
Filed first dispute online with Experian XXXX/XXXX/XXXX. The information was n't corrected so I mailed a 2nd dispute via USPS Certified Mail XXXX/XXXX/XXXX. I received a response but the information is still incorrect, in fact it 's worse than before I filed XXXX disputes. I have tried to call Experian numerous times but I 'm put on hold to wait for the next available representative and can never get through, even after 45 minutes hold time. The information I need corrected is as follows and should be fairly simple and straight forward to correct ( I had to file a dispute with XXXX to correct the same info and they corrected it immediately so I do n't understand why Experian has n't been able to do the same ). I filed Chapter XXXX Bankruptcy in XXXX XXXX and the bankruptcy was discharged in XXXX XXXX. My monthly mortgage payments were made to my XXXX XXXX XXXX XXXX account via the Bankruptcy court, so no negative payments should be showing during that period. My XXXX XXXX XXXX XXXX account should now show open with all payments current post-bankruptcy discharge and the Status should show " going to a positive status in XXXX XXXX '' NOT XXXX XXXX as it is currently showing. I am trying to rebuild my credit and it does n't help when I am denied new credit due to incorrect credit reporting by Experian. I am also looking for new employment and several companies I have inquired with state that they will be requiring background and credit checks so I am potentially being denied employment because of this negative and incorrect reporting by Experian. I have followed all of the steps required to request that Experian correct my report without a satisfactory resolution. Please assist! If you need any further information from me including copies of my original disputes, certified mail receipts, etc.. please let me know and I will forward them immediately. Thank you
Our Company XXXX XXXX XXXX XXXX XXXX made 3 payments to a Subcontractor XXXX XXXX XXXX. Drawn on XXXX XXXX XXXX XXXX XXXX, 1 ) Check # XXXX datedXX/XX/XXXX amount {$4500.00} 2 ) Check # XXXX datedXX/XX/XXXX, amount {$4500.00} 3 ) Check # XXXX datedXX/XX/XXXXamount {$6000.00} Totaling {$15000.00} These 3 checks were endorsed, by XXXX  XXXX XXXX XXXX XXXX, deposited and cashed by Well Fargo Bank. 
After receiving notice from XXXX XXXX. XXXX that this company had not received payment from us, we notified XXXX XXXX XXXX XXXX XXXX  and Wells Fargo Bank, Police report was issued to XXXX XXXX Police case # XXXX on XX/XX/XXXX, We have continue requesting from the banks the reimbursement of these fund paid by XXXX XXXX XXXX, a so far after 5 month we have not received the fund from Wells Fargo Bank.
I accepted a balance transfer offer from XXXX for a XXXX University-associated card. The first bill included the full balance transfer fee plus the minimum balance calculated, for a first payment of nearly 10 % of the balance due. The fee is less than the remaining available balance. 
The Cardmember Agreement does not identify this fee as payable immediately or indicate in any other way that the transfer fee would be required to be paid in full.

I called the company and they pointed to a small paragraph on the back of the mailing card ( 1 of 4 documents ) stating that the minimum paying would be " ... the current cycle fees and finance charges plus 3 % of the new balance '' and claimed that the balance transfer fee qualifies.

I have done several balance transfers with multiple cards over the years and not one single time has a company tried to front-load the fee. This is not standard for the industry and was not disclosed clearly at any point, certainly not before I agreed to the transfer. 
In addition, the Cardmember Agreement expressly states in Section 18 " Other Terms '' that " This Agreement replaces any prior communications between you and us '' and the Agreement does not identify, disclose, or even suggest that the fee would be due immediately.
The options that I took was I believe the closest to the problem that I am having. My problem is that I believe the credit bureau TransUnion has done a criminal act to me. Sometime inXX/XX/XXXXI requested a copy of annual free credit reports from all three bureaus. OnXX/XX/XXXX TransUnion issued me a letter stating that they needed proof of my current mailing address and requested that I send them two documents that show my current mailing address. So I sent them a copy of a cancelled check and a copy of a phone bill. The cancelled check was dated XX/XX/XXXX. Check number was XXXX. The amount of the check was for {$15.00} and made out to XXXX. I also included a check in the amount of {$9.00} made out to TransUnion for my credit score from them. The check number is XXXX. On XX/XX/XXXX I received a check from TransUnion. The check number is XXXX  and they stated that the check that I sent them for the credit score was greater than the cost of the score and that they are enclosing a refund of the overpayment. The amount of their check was for {$5.00}. I did not cash this check. I called them up numerous times wanting to know why the check that I gave them for my score, check number XXXX  for {$9.00} has not been cashed by them. They said that they used the copy of a cancelled check that I gave them to show my proof of address, as the check for the credit score. Check number XXXX   for {$15.00}. Hence why the check from them for {$5.00} was issued to me. I feel they are trying to get me charged with using a copy of a cancelled check to purchase my credit score from them. As mentioned above I used the copy of my cancelled check for {$15.00} to show proof of my address. I included a check for {$9.00}, check number XXXX  for my score. They have this check, I just know it. I feel this is criminal what they have done. I called you on the phone and you were going to send me paper forms of the complaint to fill, so I could attach documents, but you have not. So I'm doing this complaint online. I hope you can look into this asap. Thank you.
I reported my credit card as stolen as soon as I was certain I did n't have it anywhere. When I called the credit card company we discovered there had been fraudulent charges. The representative informed me that they put a hold on my card due to suspicious activity. I was told I would be credited for the charges and an investigation would take place. A week later I received a letter explaining my claim was denied as they believe the card was in my possession. This is not true. These are fraudulent charges. I did not sign or put in my pin number for these purchases which I believe should act as evidence. If my credit card company investigated my usual activity it should be clear these purchases are not typical in my credit card usage.
Here we go again. Obviously Greetree is not overly concerned about their scamming tactics. This is the third complaint with CFPB about Greentree Servicing who continue with inaccurate billing and charges. 
Attached is a copy from my bank listing payments for my mortgage. {$800.00} dollars a month. My mortgage is {$700.00} a month. I have requested repeatedly that any additional monies always be applied to my principle balance. Instead it is put in an " unapplied funds account ''. Not applying the additional money to the principal interferes the mortgage being paid down accurately. 
XXXX 2015 billing statement reflects XXXX due when only XXXX is was due. So calculations for remaining balance would not be accurate. When I called the company therepresentative, XXXX stated the XXXX 2015 payment was dislocated. And again the same thing happened XXXX 2015. My payments are made electronically. No excuse for saying it as dislocatedSecondly, when the billing statements come in the mail they do not reflect the true balance remaining. I have requested a payoff statement several times and have not had I response from the company I am so close to paying off the house. But with the tactics this company practice I no doubt I will have over paid monies to them. 
I want an accurate payoff statement mailed to me. And from this point on I want any and all additional payments to be applied to the principle balance. All future billing statements should accurately reflect what the remaining balance is. This is the second time that I have filed a complaint with CFPB that pointed out similar incidents.
I was recently reviewing my loan contract because I do not understand how my unpaid principal balance is so high based on the amount I borrowed 4 years ago. 

I pulled all of my loan contracts for review and noticed a substantial discrepancy. The day that I took delivery of the new vehicle from the dealer, gap insurance I wanted was omitted, and you will notice that loan contract used an interest rate of 11 %. About 4 weeks later, I returned and was asked to sign a new contract that included the gap insurance, and the new loan contract appears to have an interest rate of more than 21 %. I do not understand this and believe I have been the subject of a bait and switch scam and also believe I have been treated unfairly and deceptively. 

Additionally, I asked someone who knows a lot more about these matters more than my husband and me, and he ran an amortization schedule for the loan. He seemed to think that the unpaid principal balance could be more than {$4000.00} too high. 

We firmly believe the car is so far under water, partly due to the potential incorrectness of the amortization schedule. 

My family is poor and we have lost my husbands income due to an awful workplace accident that has rendered it difficult for him to work. We barely get our bills paid, and I would like to know why the interest rate for this loan appears to be 10 points higher about 4 weeks after closing than it was earlier at loan closing and car drive away. 

Please help us. I can not afford an attorney. 

Thank you in advance.
We submitted a Qualified Written Request to Wells Fargo on the First and HELOC to provide a copy of the promissory note in its current form with all allonges and the name of the true lien holders, and they have twice refused to comply. More then 3 months have passed since the last request and they keep delaying although the law requires them to comply within 10 business days. 
Compel them to comply, or reconvey the note. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
In 2005 My wife XXXX & Myself were forced to file chap.XXXX Bank Ruptcy we did not include the mortg held by Wells Fargo Mortg . co. wells Fargo was presented a letter of intentions to keep the property, complete the payments. they were instructed to sign this letter, & return it to the court within fourteen days they chose to ignore the letter. their actions have prevented us from being able to qualify for refinance through the Obama Harp progs. It took me years to find out why. I then contacted Wells Fargo They admitted to their mistake however they stated that it was too late because any actions had to be completed within that fourteen day period I just today found out how to contact you. My wish is to make corrections so we will be able to refinace under the rules, & regs. of the Harp progs. The reason for this cond. is that the Real Estate market collapsed in our area by XXXX %. It is slowly recovering but not enough to allow us to refinance under standard conds. to qualify for the Harp Progs is our only hope. Wells Fargo 's actions, or lack of actions has already cost us thousands of Dollars We still have 19 years left on this mortg.which is at 7.5 % int. any help you can offer will be a big blessing Thank you
Debt Collection Company : Alliance One Alliance One repeatedly calls my number looking for my brother. 

I have asked for a C & D multiple times and have informed them that this is the wrong number. They still call. They are trying to reach my brother not me. Isn't this a violation of NPPI? I am not an authorized user on his account.
I have enrolled in XXXX XXXX XXXX as an alternative to filing for bankruptcy. I have notified Lendmark Financial that I am enrolled in the program and to contact XXXX XXXX XXXX as they are handling this financial case. I have asked them on 3 separate occasions to NOT call me at work. I asked them on XXXX XXXX, 2017 at XXXX XXXX to not call, again on XXXX XXXX at XXXX XXXX, and again on XXXX XXXX, 2017 at XXXX XXXX to not contact me at work. I am in jeopardy of losing my job. I 've asked them REPEATEDLY to contact XXXX XXXX XXXX.
I took out a loan from XXXX Boulevard Cash '' back in XXXX 2015. Unfortunately, due to circumstances, I have not been able to re-pay the loan. While I understand this is a debt that must be paid, I can not make the payments right now. I have communicated that to the debt collector " XXXX XXXX '' who calls me on a weekly basis to follow-up with my status. Back in XXXX 2015, XXXX XXXX started calling my work daily and would give information to my colleagues. Since I work at a XXXX, the debt collection calls at work were inappropriate and I contacted Boulevard Cash to stop calling me at work. They agreed to remove my work phone number. However, today, I received a voicemail from Boulevard Cash at my work number. XXXX XXXX was following up on the same debt that has been pending with Boulevard Cash. I have asked for him to provide me IN WRITING with the debts that are owed. He stated on XXXX different occasions that he would and I sent an e-mail to " XXXX XXXX '' to give me the debts in writing as well, with no luck. I would like Boulevard Cash to be made aware that they CAN NOT call me at my work number. The only number that I should be contacted at is my cell phone number, which is the number they already have on file : XXXX. Thank you.
Security Finance gave me a {$330.00} loan on XX/XX/XXXX. I made a {$63.00} payment every month for XXXX consecutive months. My final payment was XX/XX/XXXX. They did not report any of my payments to my XXXX credit report. My loans prior to this one were all reported. I contacted them in regards to this issue XXXX months ( XX/XX/XXXX) before I paid the loan off and they told me that they were updating their system and my payments would be updated. It is now XX/XX/XXXX and I am still waiting.
I have written XXXX letters to XXXX ; XXXX in XXXX XXXX & XXXX in XXXX XXXX to have them remove numerous out dated accounts over XXXX old still being reported and/or on my credit report, many incorrectly reported status of accounts that are not in collections and/or XXXX yrs in state of NY expired alleged debt are still on there.