WillisBack/dataset-financial-user-claim huggingface dataset:
I currently have an installment loan in the amount of {$2600.00} from Speedy Cash which I took out in XXXX of 2014. At the same time, I also have XXXX {$300.00} payday loans from XXXX different storefronts in my neighborhood, including Speedy Cash. So basically, I have both a {$300.00} payday loan from Speedy Cash and a {$2600.00} installment loan. Is that legal? 

I am drowning in debt and I ca n't handle it anymore. I need some relief. This is very stressful and expensive for me, and I do n't know what to do. I already filed XXXX other complaints about my payday loan situation, XXXX for each of the different lenders. 

I 've been paying about {$140.00} every two weeks on the Speedy Cash installment loan, and I 've already paid {$2200.00} between XXXX of last year and XXXX of this year. But my total balance as of XXXX XXXX is still {$2600.00}! How is this even possible? Are all my payments going toward interest only? 

I ca n't keep paying on all these loans. I need to prioritize my rent ( {$1100.00} ), car payment ( {$320.00} ), insurance ( {$180.00} ) and my other basic needs like food and utilities. After taxes, I only bring home about {$1800.00} a month. So this is really hurting me and I 've reached my breaking point. I 'm struggling to figure out a way to get out of this deep financial hole that I 'm in. I do n't want to default on the loan, but at this point I 'm not seeing another alternative. I recently received XXXX utility disconnection notices from my gas, water and light companies. 
To make matters worse, I 'm also facing being laid off from work in the next few months. 

I need help. I do not have the ability to keep paying on this loan and the other payday loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. I 'm wondering if it was legal for Speedy Cash to give me a payday loan and a {$2600.00} installment loan at the same time? Also, someone told me that in California, there are no interest rate caps on loans above {$2500.00}, and that might be a reason why I got a loan for {$2600.00}. Intially, I did n't want that much money. I only wanted to borrow {$1000.00}, but they ended up lending me way more. Now I 'm having trouble paying it back and my principal is n't decreasing with my payments.
Back in XXXX of 2018 I began working on cleaning up my credit. After sending in my driver 's license, social security and proof of address to TransUnion they mailed me a copy of my credit report. After reviewing it I noticed incorrect names, addresses, accounts etc listed on my report. I filed disputes with TransUnion requesting that they remove the inaccurate information from my record. I continued to notice that TransUnion was not correcting my personal information. So after mailing them at least 4 times, I decided to call. I contacted TransUnion on XX/XX/2018 and spoke with a rep who stated that they had corrected my name and I requested that they mail me an updated report with my name corrected. Unfortunately when I received my report my name was still incorrect. I am not sure how I can trust TransUnion to accurately report my credit history if they can't even get my name right. So that is why I am filing this complaint. I just want them to have my correct name on file.
In XXXX of 2015 I was contacted by the ARA account recovery service concerning a XXXX Bank credit card which was a debt over 12 years old.I agreed to a pay off of {$950.00} which they agreed to over the phone I paid them off at XXXX per month for 5 months. which I have Bank statements to prof it.My last payment was in XXXX 2015..I was just contacted this month XXXX and billed for the same account stating that they had bought it from someone.I called them and told them I had paid this debt off to them ARA in XX/XX/XXXX.They said that they would check it.When they called me back they said I only paid {$750.00} .I told them I had Bank statements showing I paid them $ XXXX.At this time I requested that they send me their payment account showing the date and amount that they had on file.They refused to send it to me.I asked them if I owed them anything on my account why wait for 8 months to contact me .I am sure debt collection agency would not wait 8 months to collect on my account.They had no response for their actions'The pay off had been agreed to of {$950.00} .When I told them this over the phone, they composed a new letter with new numbers.If I had not old them of this they would have treated this account as a new XXXX now they sayv I owe $ XXXX {$750.00} and now they want $ XXXX.If evident from this that they have a accounting problem and management problem. Please help me because they made an error and now trying to cover it up and make me pay for it..
On credit reports, I have found out all XXXX collections happened in the middle of staying in XXXX on the time frame XX/XX/XXXX-XX/XX/XXXX, which in no ways and in no reasons I subscribed these utilities. 
XXXX collections were as follows : *XXXX in XXXX ... ... ... ... ... ... ... ... ... ... ... ... {$240.00} *XXXX in XX/XX/XXXX ... ... ... ... ... ... ... ... {$320.00} *XXXX in XX/XX/XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... {$2000.00} I have disputed this problem on XXXX credit report on the ground of alibi with some initial partial result ( Case No-XXXX ). Now comes I would like to dispute the same problems on other XXXX credit reports, Equifax and XXXX. 
I had been XXXX from XXXX XXXX to XXXX XXXX. Upon the departure on XXXX XXXX, XXXX, I deliberately left my house vacant without any authorized occupant at XXXX. By XX/XX/XXXX I was informed that the house had been broken in at least 10-20 times. The valuable properties in the house and the XXXX XXXX XXXX in the garage were stolen. They might include the check books of XXXX banks ; ID and several credit cards ; computers and personal, investment and legal documents, and others. The loss of properties in the house was settled with XXXX by year XXXX. And the loss of vehicle is still dragged on with XXXX.Because the house in XXXX has been extensively damaged without utilities and therefore, uninhabitable ; I had to settle in a house of friend upon the XXXX on XXXX XXXX, XXXX at XXXX. 
Please help me to resolve the problem during the hardship. 
Respectfully, XXXX XXXX XXXX
On XX/XX/XXXX, after discussions with a independent financial advisor, and in pre-planning for retirement in XX/XX/XXXX, I initiated a transfer from XXXX 's ( XXXX ) Company Stock into a XXXX XXXX XXXX XXXX. There were XXXX Shares of Stock to transfer. According to my 401K plan documents, " Before XXXX Eastern-Your transfer will be initiated at today 's closing price ( for all funds EXCEPT THE COMPANY STOCK FUND ) and should settle into your account by XXXX XXXX the following business day. The company stock fund will use an average trade price for all trades placed today and will include trade prices from the following morning if you are transferring funds from a mutual fund to the stock fund. '' The average stock price for the day was {$72.00} ( Pulled from XXXX XXXX using a query and five minute interval data ). However, Wells Fargo chose the {$72.00} as the average trade price amount. ( The minimum price for the entire day, according to XXXX was {$72.00} ) After deducting the stated transaction fee of XXXX per share ( {$730.00} ), and the SEC Fee Section 31 of 57.83. for a total of {$790.00}, this  leaves a discrepancy of {$10000.00}. 

I placed repeated calls, most of which I have documented to Wells Fargo in an attempt to get an explanation of the difference, to no avail. In fact I was stunned at how little the folks on the phone actually knew about the process. ( Which has since been confirmed with another unrelated issue ) They were quite shocked that I had been able to pull the financial data from XXXX and the only attempt at an explanation I received was when they stated " the price comes from selling stock within the 401k plan '' but then they were unable to provide documentation of the transaction as it occurred within the plan, despite repeated attempts. I have since that date retired, ( XX/XX/XXXX ) and until recently did not know that CFPB could assist in manners such as this, which is why I have not submitted my complaint until now.
Sent a letter to verify debt to Financial Control Services for XXXX. They sent a letter with only XXXX lines as a verification. The letter is not its.used but just shows the total THEY say I owe. The letter says they consider it accurate. I believe this does not meet the requirement and need assistance.
On XXXX/XXXX/16, I went to the dentist for a cleaning. It went from XXXX dollars to XXXX XXXX dollars for deep cleaning. I tried to use my care credit account and it was declined. I called Syncrony Bank c/o G.E Capital to find out why. I was transferred to bankruptcy dept. This should not be a bankruptcy account when I paid every month til paid off. From bankruptcy dept, I was transferred to collections, XXXX XXXX who has no money owing. I called again XXXX/XXXX/16 with same issue. Transfer here to there with no answers.
Discover Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Collection agency is reporting to the credit bureaus as an open mortgage account. This is not an open mortgage account, they purchased a XXXX lien on a foreclosed property over 7 years ago. They are a collection agency and should be reporting as a collection not as an open mortgage account. Also date of last activity with original creditor is well over 7 years. Tried to dispute through the credit bureaus but they still will not fix the problem.
AFNI # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with AFNI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt AFNI purport I owe. I request that AFNI Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI Cease and Desist all further communications and collection actives and provide the verification of the purported debtNothing in this section relieves a collection agency from complying with the " Fair Debt Collection Practices Act, '' 91 Stat. 874 ( XX/XX/XXXX ), 15 U.S.C. XX/XX/XXXX, as amended, or deprives any debtor of the right to assert defenses as provided in section XXXX of the Revised Code and XXXX XXXX XXXX, as amended..The account Number # XXXX
I spoke with 2 different reps on XXXX18. My loan was recently sold to XXXX XXXX XXXX. I've been trying for a week now to make a payment, but every time I log into their system, all my account details are blank and there's a message to contact customer service. I just assumed they hadn't gotten everything transferred over. When I finally contacted the two previously mentioned reps, they stated I had a cease and desist letter on my account from the previous servicer. I explained to them the letter just dealt with them not contacting me by phone because I got fed up with repeated reminder calls, etc. Btw, I'm not behind on my payments and I don't run behind. I just don't want robocalls. I was instructed that I can't have that request with XXXX   unless I completely remove all requests for no contact. Essentially, what they are doing is preventing me from making a payment unless I agree they can contact me by phone.
I have tried to work with Navient on the following issues : 1 ) The name on the loan, I am the parent and my name is on the loan. Both my son and I have tried to get this corrected for over 10 years and the information is still not updated. So I have been forced to carry this loan in my name and on my credit report. The second and most frustrating issue is that Navient will not allow us to pay this loan off without paying the interest for the entire loan in advance. Navient said that they will not allow us to pay additional amounts on the principal of the loan so to date we have paid {$14000.00} of interest on a {$35000.00} loan. When I call I am only offered forbearance which will only extend this loan. I am XXXX years old and at this rate I will die before paying off this loan. And finally my loan has been sold several times and each time payments were lost and I am not confident that the repayments were directed to the new owner.
This complaint is against XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX TX XXXX operating as Fidelity Investments and their credit card issuer ELAN FINANCIAL SERVICES. 
Background : XXXX 2016 Fidelity switched credit card providers from XXXX XXXX card to XXXX managed by Elan Financial services. 
XXXX XXXX, 2016 - Cancelled a prepaid XXXX rental car for {$230.00} and received cancellation confirmation # XXXX. XXXX confirmed that credit was issues to the credit card company. 
After several attempts to resolve, Elan representative recommend that I open a dispute to resolve the issue. Claim # XXXX. 
XXXX 2016 A provisional credit was applied to the account while dispute was conducted. 
Received request from Elan to submit a copy of the cancellation. Mailed to Elan on XXXX XXXX, 2016. 
XXXX 2016 Provisional credit was removed by Elan. The response I received from the Elan dispute team was that the cancellation confirmation paper work was not received. 
Re-sent a copy of the cancellation paperwork on XXXX/XXXX/2016 On XXXX/XXXX/2016 received another request for paperwork. Third copy was sent on XXXX I have made at least ten calls into Fidelity and Elan to try to resolve this issue without success. It is being managed by XXXX with the Disputes team, although follow-up has not been forthcoming. 
It should be noted that I closed my accounts with Fidelity in XXXX and XXXX 2016 because the company no longer allowed independent financial advisors to manage investment accounts. Also, this was an account in good standing for the entire duration of the relationship with Fidelity.
Hi. I took out a XXXX dollar loan with Big Picture Loan on XX/XX/2016. The bill was due on XX/XX/2016. for {$1300.00}. When I deposited my check, my bank put a hold on the money until XXXX XXXX. On XXXX XXXX, I went to pay the total loan off but did not have access to pay the amount online. I called the XXXX number and the first representative said they were going to charge me a {$350.00} nsf charge. I told her that the money was in the bank and I did not know they were going to place a hold. I told her that I wanted to pay the total balance on my account which was {$1000.00} for the loan, {$350.00} for the finance charge, and {$20.00} fee. which was a total of {$1300.00} She told me she needed to transfer me to the solutions agent in order to make that payment. When the solutions agent was on the phone he said the {$350.00} fee was not a nsf fee but a new finance charge for my next payment. IT was at this time that my payments were biweekly when they told me it would be a monthly charge. I did not know that they would charge me a XXXX charge every two weeks. I told the agent that if i am being charged biweekly the next payment is n't due until XXXX XXXX. I told him I wanted to pay the entire balance off, it was only 8 days late. He refused repeatedly to accept my card over the phone and stated that he would only accept a XXXX payment first for the finance charge and then the XXXX payment. I told him that I am not paying for a fee that is n't reflected on my account. I took a picture of it and it has a date and time stamp. He continued to refuse to accept my payment to pay off the loan. I then asked him for the address to send him the certified check. He said that I may incur more fees. I told him that I should not be responsible for any fees if you are refusing to accept payment in full over the phone.
What Macy 's is up to with its collections and compounding late-fee practices does n't seem ethical to me, and hopefully will become illegal. 
After making about {$600.00} in purchases XX/XX/XXXX, I set up my monthly {$25.00} Macy 's payments set up with my bank ( XXXX XXXX ) to go out XX/XX/XXXX, three days before the due date ( XX/XX/XXXX ). 
XX/XX/XXXX I started getting five calls a day ( literally ) from Macy 's that my payments were late and I was behind! Say what?! 
I called XXXX to ask what the heck was going on. They explained that if XX/XX/XXXX fell on a weekend, as it had in XX/XX/XXXX, they wait until the following Monday ( or Tuesday, if a long weekend ) to send it. 
And because I did n't know about it and my next auto payment in XX/XX/XXXX did not include the {$35.00} late fee, Macy 's charged me ANOTHER late fee, so were not claiming I owed them {$70.00}. : - ( I unhappily paid the late fees and requested that XXXX to move the payment dates up by 2-3 days, to XX/XX/XXXX or XX/XX/XXXX. 
2-3 months later, more harassment calls from Macy 's started. Same story : XXXX late payments and compounding late fees. 
I called XXXX again -- the person I spoke with earlier at the bank had n't moved the pay-out date. I stayed on the phone this time to get confirmation as XXXX moved the date up to XXXX, a full week before my Macy 's payments were due. 

Out of principle, because their practice of charging late fees for unpaid late fees is so very wrong, I have dug in my heels and not paid the late fees. So although my minimal {$25.00} per month has been paid like clockwork each month since XX/XX/XXXX, Macy 's has continued to mount hundreds of dollars in late fees. 
My letters to the exec offices of Macy 's have done no good. They are intransigent about this practice, which to me, seems like extortion. 

I closed the account and told them I will be paying off my entire bill for the merchandise and interest, but out of principle, I that I will not be paying them their late fees. 
Please look into this, and press for reforms to any legal loopholes that allows Macy 's to take advantage of consumers in this way. 

Thank you. 
XXXX XXXX
My consumer credit report from XXXX XXXX XXXX XXXX contained an unknown and unauthorized inquiry from a company called XXXX XXXX XXXX for an alleged payday loan. I have never had a payday loan from any company yet Clarity stated that it had been verified without providing any tangible and legal proof. My contact at Clarity is a lady named XXXX and her number is XXXX.
After having an emergency surgery over the summer I fell behind a house payment. I contacted the holder of the account ( XXXX XXXX XXXX ) and worked with the very helpful and friendly people there to get on a repayment plan to get me caught up and current on the loan by XXXX XXXX 2016. This helped tremendously, but what they did was sell my loan to Residential Credit Solutions ( RCS ). I was sent a letter stating that all payments after the XXXX of XXXX would have to be made to RCS. Now it is the XXXX and RCS is unable to locate my information and XXXX XXXX XXXX can not help me as they have already transferred my information to RCS. I was able to speak to an actual person at RCS by calling the loan application department and not through the endless loop of the customer service number. XXXX attempted to contact them with the number they supplied and said they were not able to contact a person. ( XXXX ). According to their website, a payment is late and will be sent to the credit agency 's if it is not received, the person I spoke with on the phone said, " just relax until Monday ( XXXX ) it will be fine ''. I am not feeling fine, he did not want to give me his name, did not want to transfer to the proper department and said this happens all the time. I am truly concerned that the agreement I had with XXXX is danger of not being honored and that RCS inability to locate the information that was transferred to them on XXXX ( according to XXXX ) in going to place me in a situation causing my repayment plan not to be honored and keep me from making payment on my home.
While viewing my credit report, I noticed a debt that does not belong to me. Amerifinancial Solutions is reporting unverified incorrect information on my credit report. I do not recognize the debt that they are attempting to collect. This is causing unwanted stress.
this collection agency keeps reporting that I received services from there practice. I have never had any medical treatment from this provider while not being insured. I 've always been covered under the florida medicaid office .There have always been a block on all XXXX of my credit filed due to identity theft. I 've disputed these fee with the collection agency and a few of the bills have been deleted but this company keep reporting medical bills for services that I never received. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Medical Which of these best describes your issue? Cont 'd attempts collect debt not owed : Debt is not mine
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX : Notice for Proof of Claim Account No. : # XXXX To Whom it may Concern : This is a legal and notarized document. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is nontransferable. 
If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX v. 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Also, I have received a statement claiming that I owe a debt to XXXX XXXX XXXX and that you are the second collection company. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 6. ) Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between  you and XXXX XXXX XXXX that gave you the right to collect this debt Account No. :XXXX Respectfully Submitted What would
I Contacted all 3 credit bureaus by phone ; I notified them of the wrong addresses and inquires reporting on my credit report. The representative changed my address but couldn't change one because a business was listed under the address ( not my business or my address ). She corrected the addresses she could but stated I would have to contact each individual business who placed a inquiry on my report. This is a lot of work for something I did not authorize. I have place fraud alert on my report so this will not happen in the further.
Central Financial Control has XXXX collections listings on my credit report. They span XXXX - XXXX. Each is for a different amount. It is illegal for a company to report a false amount. Furthermore, I have no idea what these are for. I have already attempted to contact the company, and get proof of these debts. The company ignored me.