WillisBack/dataset-financial-user-claim huggingface dataset:
I got a loan from a company called prosper. I got approved on line for the amount of { {$20000.00} } they charged me a { {$1000.00} } fee for the application fee transfer of the cash when they sent the money Directly into my checking account. 
I was already stuck with the fee but I had the loan and was ready to go, but then they made me set up my first payment back to them before moving forward. This is when I realized that their statements I was told and presented to online, in very colorful low numbers Get Low Rates Pay at your Own Pace Save Money with no Hidden Fees the Highest Risk Rating said it was only 11.68 % was all a smoke screen, after it was too late. 

I now had already paid a { {$1000.00} } Hidden feel, I now have to make monthly payments of { {$570.00} } for the next 60 months ( But I thought I got to pay at my own pace? ) and then the worst things happens and they hide this really well in your account, I notice they are charging me over 26.57 % in interest ( not the Highest Rating interest of 11.68 % as advertised ) - so here I am and now I start reading every little detail and theres no way out of it, theres no changes allowed, theres no negotiations allowed, they literally screwed me. I was under the impression they were helping me with a debt consolidation/personal loan and now Im paying more than I was before. 

I still had hope they would understand the miscommunication and we can negotiate on my behalf to get this fixed but prosper refused to bring my rate down and they said they dont work with other debt consolidation companies either and I have no choice but to pay the 26.57 % rate. 

Im sure now they will find a way to ruin my credit score too and put on a delinquent payment account because I wont agree to auto pay. 

They still have never sent a contract or a monthly statement, like I said I didnt know how much interest they were charging because they make it hard to find. 

Now after working with this amazing company that was going to make my life easier, Im spending every spare moment trying to find a way to be relieved of this contract, even if I have to get a real loan with 1/2 the  interest rate and pay it off in full or XXXX up the bad credit and file bankruptcy
The morning ofXX/XX/XXXXwe were notified of low funds in our account. We logged into our Chase Bank app to find that three separate ATM withdrawals had occurred the day before in XXXX XXXX ( all three were still listed as pending ). The first took place at onXX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX for {$XXXX}, the next onXX/XX/XXXX at XXXX XXXX XXXX for {$XXXX}, and a third also onXX/XX/XXXX at XXXX XXXX XXXX for {$XXXX}. We notified Chase on their fraud phone number as soon as we saw the withdrawals. They said that they would reverse the transactions while they investigate. 

OnXX/XX/XXXX, we received a notice from Chase saying that they were denying our credit and were going to take out the total {$XXXX}. When asked what the reason behind this was, XXXX on XX/XX/XXXX said that it was because after the transactions took place our account was logged into multiple times, and it was a chip to chip transaction. We did not take the money out, nor were we in the city of XXXX XXXX on either of those days. 

We are currently in the process of filing a police report to obtain the videos at both ATM machines, but we are unsure how long this will take. 

Please help!
My PNC Bank application number is XXXX, I purchased XXXX on XXXX through XXXX XXXX XXXX on XXXX for {$46000.00}, 3.99 % interest rate for 60 months. I also refinanced with XXXX XXXX XXXX XXXX for 1.99 % for 60 months for {$47000.00} and received check from them on XXXX. PNC Bank is refusing to give the pay-off amount telling that they are still waiting for details from the dealer and no account has been created yet and refusing to give the account number. The dealer said they sent the contract around XXXX and told to contact PNC. PNC bank representative are telling to contact the dealer. It appears that PNC Bank is not happy with me for closing the loan too quick and want to get some interest from me. I request Office of the Consumer Finance and Protection Bureau to help me get the pay-off amount from PNC Bank and also request to waive the interest from XXXX since I would be paying interest for both the banks. Please call me XXXX or XXXX for my SSN number or Date of Birth or any other information required to resolve this issue. Thank you. XXXX XXXX XXXX
XXXX XXXX XXXX California and Franklin Loans continue to violate the law with shared marketing agreements in violation of respa. they continuance to steer borrowers to pefered lender in exchange for compensation, XXXX
I was checking my credit report on XXXX/XXXX/XXXX and noticed that there are over XXXX inquiries on my credit report that I did not authorize nor ask for. I have filed a police report three weeks ago, have a fraud alert on all XXXX of the credit bureaus and have called Experian several times, last being on or around XXXX XXXX, XXXX to dispute these inquiries. I was first treated very rudely by the person on the phone when I was asked to be transferred to the Dispute Department in a US call center. I was told that they do not do that and I have to tell them what I needed. After about trying 7 times I finally got transferred to another person who was not with the Dispute Department in a US Call center. This whole experience has me just mentally upset and discouraged, feeling as if I can never get this taken care of. Below are the inquiries that I did not authorize nor did I solicit any form of business with them : XXXX- XXXX/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX XXXX- XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX
Prime Lending, as well as other lenders in XXXX SC, openly violate RESPA and " provide things of value '' for referrals. The attached showed up in my XXXX feed. Pitiful.
My business account is being manipulated by the bank so that when my checks come in to get paid, the bank freezes and holds the money without paying the check demands. In other works, they 're holding my checks for XXXX to XXXX days for security reasons and allowing electronic trsnsferes to bounce without covering the amounts, even when there is money in the account.
XXXX XXXX XXXX. 

LoanCare I was approved, as a XXXX veteran, for homestead exemption. in XX/XX/2018. I was told by the XXXX County Property Appraiser office, that they do not notify the mortgage companies, since, everything is done on line, the mortgage companies, can get the information on line, or call the XXXX County office. 

Since the date I was approved, I have called, and notified the mortgage company, on numerous occasions, that I was approved for this deduction. Everytime I called, I was told that it needed, to go to the tax department. I talked to the tax department on four ( 4 ) different occasions, and was told, that it would be escalated, to be taken care of. 

On XX/XX/XXXX, I was told that, I needed to provide proof of the homestead exemption. I sent a copy of the exemption letter to them, and it has still not been resolved. 

Another matter is that on XX/XX/XXXX, I submitted a house payment, when two ( 2 ) days later it did not show up in pending payments, I assumed, I had not correctly submitted the payment, so I submitted a payment again. On the XX/XX/XXXX, it showed as a payment pending, I spoke to a representative who assured me that the payment submitted for XX/XX/XXXX would not go through. On XX/XX/XXXX a payment was submitted to my checking account which charged me XXXX, I called the customer service department again, and was told that they could not stop payment. 

I was told that, even though, I called on XX/XX/XXXX, they would not stop payment. So I was charged twice ( 2 ) by XXXX {$29.00} for non sufficient funds, and I received a notice on, XX/XX/XXXX, from  the mortgage company, for {$49.00} return check fee.
Phoned Transunion and spoke with a Rep inform them I had been a victim of the their credit inquiry issue ... .to include the following inquiries XXXX XXXX XXXX ), XXXX, XXXX XXXX ( XXXX ) XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX ( XXXX ), XXXX , XXXX, XXXX , XXXX,
I have paid off a car loan and an employee at the loan company is attempting to prevent the car dealership from releasing the title to myself.
I took out a personal loan with XXXX XXXX in XXXX in the amount of {$10000.00} at 18 % interest rate after losing my job. Since then, I 've repaid the loan in an excess of {$25000.00} and they 're still saying that I owe {$9500.00}. They refuse to renegotiate the loan and it has since been sold/transferred the loan to another company called OneMain Financial. I 've made my payment consistently for over 10 years and now they 're saying that I 'm behind in my payments. They 're destroying my credit in the process. What can I do to solve this never ending mistake?
On XXXX/XXXX/2015 XXXX willfully withdrew {$100.00} dollars from my husband 's joint account, when I had called two days prior and told them I had no income, I was XXXX and had lost my job, the rep assured me that they were not going to take any money, and they did. This account receives direct deposit from social security retirement, this is all the money we had to survive on for a whole month. My husband does not owe XXXX any monies, nor did he incurred this debt, I did, when we were divorced. I had given them permission to withdraw money while I was working, because they threatened to sue me for not paying them this very old debt, they demanded a specific date for payment, and the only date available to pay was on the XXXX of each month when there was money from his social security available to pay this debt. I would then transfer money from my own account to his when I got paid. They also have refused to correct my name on their account, they have included my husband in my own personal debt, and have altered my husband 's name without legal authority. Please help me solve this situation against XXXX.Thank you
Loan Depot seems to be uninterested in meeting their preferred lender ethical standards as well as not understanding the non-predatory language and laws in effect today. My application for a re-fi from conventional to a VA loan is approved but yet no closing date after more than 60 days? When you are told to " step back '' and it 's " really getting hard to process your loan '' the VA OIG needs to get involved.
Medical Data Systems recently reported a medical collection on my credit report. Prior to the appearance of this debt, I never received my notice of my right to dispute.
I mailed in a certified letter to Experian with a received date stamp of XXXX/XXXX/16. The letter contained disputes regarding incorrect negative information on my credit report of negative/collection accounts that I would like to get deleted. According to the the Fair Credit Reporting Act, Section 611, ( a ) Reinvestigations of Disputed Information, ( 1 ) Reinvestigation Required, ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

In regards to this statement, I have not received any correspondence ( electronically or paper-based ) within the last 40 days pertaining to any information on the results of the investigation and/or any information obtaining proof that the negative accounts listed on my credit report are valid. 

Therefore, under Section 611 ( A ) ( 5 ) ( a ) ( i ) : Treatment of Inaccurate or Unverifiable Information : In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

To summarize, Experian received my letter of dispute on XXXX/XXXX/16 - no correspondence was obtained via electronically or paper-based within the 30-day time frame allowed to re-investigate the claim. I even gave them an extra 10 days for any mailing that may have been sent out on their behalf. Therefore, I believe these accounts should be deleted off of my credit report as Experian did not comply with the standards of the Fair Credit Reporting Act by not supplying verifiable information within the standard time allotted. 

These accounts and their information are attached via Excel Spreadsheet.
I have had a credit card with BOA for over 17 years ; and this is about the 10th time they have lowered my limit, due to me paying it off in full. We all fall on hard times, however, BOA takes advantage of their consumers. They lie about sending their consumers letters stating that they lowered their credit limit. This is the last time they will do this to me, I will play the {$1000.00} I owe them and close the card. I have always paid my bills on time, and I have most of my bills taken out automatically. However, with BOA, I have nothing but problems with their on line credit card service, either, I ca n't pay it on line, because of their system being down, or some other reason. Yes, I may have paid it late, however, in my defense, after taking care of my best friend who was XXXX for 2 years, there may have been a delay in going back on line to BOA because 2 days ago, I could n't get on line. My other credit cards, which I only have XXXX more, do not have a problem with their on line banking, my mortgage, XXXX XXXX XXXX, car payments are all automatically taken out every month. I have a score of above XXXX, and just because I paid BOA most of my credit balance, they checked my credit and lowered my limit from {$4600.00} to {$1500.00}. Now in my eyes this is deliberate, they did this a number of times to me, as soon as I pay off a big chunk or the whole balance, they pull my credit report and lower my balance. So, XX/XX/XXXX I had {$4600.00} in a credit limit, today in XX/XX/XXXX I am down about {$3000.00} in my credit limit. I have spoken to them and they gave me the story that they check credit every 6 months, well if they did that, about a year ago, they should have lowered my credit limit, as I had a tenant leave my home, I was neck high in bills using my cards and my score was lower than today. So, why not bring my credit limit down a year ago, why XX/XX/2016, when my scores are higher, and my bills are lower. I am so tired of BOA 's deceptive credit card practices, they need to be investigated, as on Consumer affairs, there are XXXX 's of complaints. I am not happy that BOA keeps hitting my credit, and I still ca n't believe that they lowered my limit due to me paying it down. Is it because they are losing money on me, no more ridiculous interest charges. Checking my credit and lowering it, make my credit score lower, and that makes me very unhappy, as I cherish my good credit scores. Because of BOA, if I need to apply for a leased car, which I have to in about 2 months, I will have to pay a higher monthly payment, as they will see that BOA lowered my limit, and makes a hard inquiry on your credit report.
In 2017, due to identity theft, account compromise, fraud, this account, was closed, the new account create was using a different name, as it references the information that I was given to correct this concern/issue. However, recent reviews of each of the credit reporting agencies, XXXX, Equifax, and XXXX, each of these accounts year to date credit reporting ends in 2017. There appears to be no credit reporting since 2017 on or for most of these accounts that are reporting to each of the three credit agencies.

May I ask how this can be corrected immediately? Some reporting companies are reporting inaccurate information as well. It is important to note that I have a contract on some property, and an agreed upon mortgage, it is requiring a large down payment. These errors are significantly impacting each of my credit scores. Can you or will you assist me in resolving these concerns, in a timely manner, I do not want to lose my contract, I really would like to be a home owner. This occurs each time, I attempt to purchase a home. Thank you in advance for any consideration that can be given.
BACK IN 2015 I WAS A VICTIM OF A ROBBERY AND I WAS INJURED. I HAD NO INSURANCE. WHEN I WAS SEEN AT THE HOSPITAL A LADY FROM PATIENT SERVICES CAME INTO MY ROOM AND ASKED FOR INSURANCE INFORMATION I ADVISED I DIDNT HAVE ANY. SHE SAID I WOULD QUALIFY FOR A CHARITY CARE AND ALSO TO GO AND APPLY FOR A XXXX CARD. AND THEY WILL COVER THE BILL. I APPLIED FOR A XXXX CARD AND RECEIVE IT. I WAS TOLD THAT XXXX WILL GO BACK AND PAY THE DR. BILL FROM MY INJURY. I TRIED CALLING THE DR . OFFICE XXXX XXXX XXXX XXXX AND I WAS GIVEN THE RUN AROUND. THE LADIES IN THE OFFICE KEPT SAYING SOMEONE WILL CALL ME BACK AND NEVER DID. I ASSUMED EVERYTHING WAS OJ SINCE I HAD LEFT MY XXXX INFO WITH ONE OF THE LADIES IN THE OFFICE. SO ABOUT A FEW MONTHS LATER A COLLECTION AGENCY CALLED ME ABOUT THE BILL AND I EXPLAINED TO THEM THAT I GAVE THE DR. OFFICE MY XXXX CARD INFO FOR THE BILL AND I ASSUME EVERYTHING WAS TAKEN CARE OF. I TRIED TO GIVE THE COLLECTION AGENCY MY CARD INFO FOR XXXX THEY WERE RUDE AND WASNT HEARING IT. THEY WANTED MONEY. IT IS NOT MY FAULT THAT THE XXXX INFO WASNT FILED IN A TIMELY MANNER. AND THIS BALANCE SHOULD NOT BE ON MY CREDIT REPORT. THE COMPANY FELL TO FILE WITH XXXX IN A TIMELY MANNER
15 Year Mortgage with Bank of America. Homeowner ALWAYS had private homeowner 's insurance paid separately, and NEVER part of the mortgage payment. Premises has always been properly residential/professional zoned. Beginning XXXX, Bank arbitrarily and capriciously begins sending default notice alleging Homeowner has " no-insurance coverage ''. Homeowner submits proof of insurance coverage no less than four ( 4 ) times, including proofs from the Homeowner 's Insurance Company. Homeowner NEVER late with any payment, and now with approximately 1 1/2 years left on mortgage. Bank now begins to withhold homeowner 's current payments, and purposefully and willfully applies them to " default on homeowner 's insurance '' only. Thus, Homeowner now being charged with late fees, and/or threats of non-payment of the mortgage. Given the numerous proofs of valid, current homeowner 's insurance, as well as, said proofs for nearly 13 year of compliance, Bank is taking an obvious and blatant attempt to move Homeowner into defualt, extort additional monies as " insurance '', despite proper coverage and submitted proof therein. Bank will not credit nor account the payments properly.
I have been speaking to Equifax for 2 weeks trying to get information out of my credit file that I did not apply for and it has a different social security number than mine. I have gotten 4 different reports all containing different information within the last week. Report   XXXX   even have the social security number that 's not mine but it pulled under my social security number. On  XX/XX/XXXX  report   XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX    and  XX/XX/XXXX    XXXX   all different information. I sent in a copy of driver 's license and social security card but   XXXX   manager in consumers affairs department stated that the variation of the social security number and old inaccurate addresses will remain on my file. I need this resolved immediately.
This is n't my debt I did n't cosign or anything this debt is my XXXX child 's debt and they do n't even live with me these people are calling and harassing my husband and I on our home phones and cell phones
I have done my due diligence in regards to four accounts. I have contacted the companies that these are unverified and no contract accounts since XX/XX/XXXX. By calling and disputing over the phone. Also mailing four rounds of certified 609 dispute letters sent. Last sent certified XX/XX/XXXX. These are the accounts : XXXX XXXX Bank {$300.00}, XXXX XXXX {$400.00}, XXXX XXXX XXXX XXXX   {$310.00} and XXXX XXXX {$300.00}. This has been ongoing since XX/XX/XXXX and now XX/XX/XXXX. It is time to get a resolve of closure. 

These accounts are reporting closed Collection accounts but currently open and over credit limit by {$1.00}. derogatory remarks, late payments and charge offs/Bad Debt. All of this is negative reporting. 

I have been fighting these accounts and hard inquiries since XX/XX/XXXX. These are preventing me from home ownership my lender continues to tells me. They need to be removed off of my reports it is causing adverse direct affect to my credit scores. 

There were also certified Hard Inquiry Letters with company name and date of inquires listed sent to each bureau TransUnion, XXXX and XXXX  in XX/XX/XXXX too. 

I filed online complaint with Consumer Financial Protection Bureau in XX/XX/XXXX in regards to these four accounts. First I find it unacceptable from XXXX that my address provided is not reporting in my credit file. Since XX/XX/XXXX through XX/XX/XXXX I had received several correspondence in regards to updated personal information, inquiries and new accounts. Even updated reports through that time period to the address I provided. Nothing had changed. As a bureau just not dealing with the delete and removal of these accounts. 

I requested from each bureau to provide name of investigator of my file which is a Federal right and to provide signed contracts to verify accounts as mine. You ignored this request as well which is evidence of your willful disregard of the Law. By sending email or whatever form of verification to CFPB on your part of said investigation is in violation. Also continuously telling me to contact the companies is shifting the burden and in violation of 15 U.S. Code 1681 ( a ) ( 4 ). The dates in XX/XX/XXXX of initial complaint shows there wasn't a 30 investigation done. 

I am a consumer and intend to pursue litigation in this matter.to enforce my rights under FRCA. 

I demand that you delete all of the accounts listed and hard inquiries in certified letters immediately. I want an updated and corrected credit report showing that these items have been deleted and removed. This is my complaint and demand.
XXXX XXXX XXXXXXXX is attempting to foreclose on my home with fraudulent robo-signed assignments. We were in the process of working out a modification while at the same time, PennyMac was publishing a sale date for my home. This is by definition a situation of Dual Tracking - please investigate.
XXXX XXXX continuously periodically keeps running my credit as if I'm applying for a auto loan with them. This has been going on since XX/XX/2017! I have not given them permission to do so. When contacted I got no answer, company denied.