WillisBack/dataset-financial-user-claim huggingface dataset:
I first received a type of advertisement from SpotLoan.com stating I was pre-approved for an {$800.00} loan, via the Postal Service, then received another one a few days later. I contacted SpotLoan online and began the process of filling out the application. I was then contacted by telephone by XXXX/Relationship Manager. She explained the process and asked how much of a loan I needed and I chose {$500.00}. I was then told the APR could reach as high as 390 %. The online application for a {$500.00} loan states the payment would be {$83.00} and that is what I believed it was to be. I went ahead with the loan and received their contract via email requesting an Electronic Signature which I initialed XXXX. I did so without reading through the email. I was told via telephone contact with XXXX/Relationship Manager that I would receive a Direct Deposit within 48 hours. She then asked about how I would like to make the payments, either by mail ( Check ) or by ACH, I said by mail preferably. That was the end of our conversation. I then began to read the contract and found that my payments were to be {$150.00} and further reading I found that when I initialed for my Electronic Signature it also stated my agreement to have payments made via ACH. I then called SpotLoan only to find out the XXXX/Relationship Manager was not there, I said that I was just speaking to her not more than 10 minutes ago and was told again she was n't there and he asked if he could help. I then explained about my agreement to make payments by mail yet the payments are now set up as ACH. The call taker then told me the computer will have all the information listed the following day and that I could call back then to get the payment issue straightened out. It was XXXX XXXX XXXX, 2015 when this loan processing took place and the re-contact by telephone. The call taker stated that SpotLoan would be open tomorrow, XXXX XXXX XXXX, 2015 and that I should call back then and speak to XXXX since she was the one that drew up the loan agreement. I waited until XXXX XXXX XXXX, 2015 and called SpotLoan only to find out XXXX was not in the office that day and it was suggested I call back XXXX XXXX XXXX, 2015. The loan had already processed and the {$500.00} loan was deposited to my account XXXX XXXX XXXX, 2015, at that point I really did n't know what to do. I also found that I my APR on this loan was 390 % and that the payments nearly doubled from what was listed online as {$83.00} to {$150.00}. I contacted numerous agencies here in Oregon and did n't get any helpful information until today when I received a call from the State of Oregon only to tell me, since SpotLoan is operated from a XXXX XXXX and since it is Sovereign, Oregon Loan Laws do not apply and that I should contact the FTC to file a complaint. Which I attempted earlier and the FTC suggested I file a complaint through the CFPB which I have just done. 
I thank you in advance for your thoughtful consideration regarding the most important matter.
Portfolio Recovery Services calls me constantly and has done so for over a year. Since they are a debt collection company, I assume they are calling for a debt. I do not owe any debts other than a mortgage which I pay on time each month. This company calls a minimum XXXX times per day early morning and late at night. I have logged XXXX different numbers used just in the months of XXXX and XXXX 2015, making blocking of the numbers extremely difficult.
XXXX from XXXX XXXX to complaint number XXXX was not satisfactory they need to supply proof as requested in my complaint number. 
Summary judgment was not granted and there is a counter suit against XXXX XXXX for filing a fraudulent complaint. 

They are lying through their teeth.
On XX/XX/2018 there were attempts to call my cell phone with aggressive in nature tactics upon answering. They also called the main line of my place of employment during work hours back to back. I am not to take personal phone calls during work or production hours, and they have repeatedly contacted me this way. This jeopardizes my employment. They are aggressive and harassing me.
Regarding Complaint # XXXX First of all thank you so much with your assistance in this matter. 
I spoke to XXXX on XXXX/XXXX/16 and they reported that they did not received your letter or a letter from Exxon requesting the removal of delinquent payments from my credit file. 
XXXX and XXXX have already deleted this information from my credit report. 
I immediately called Exxon and they confirmed that a letter was not sent to remove delinquencies from XXXX. 
To add insult to injury, when I ask Exxon to send it to XXXX they refused to send a letter directly to XXXX. This contradicts your ( CFPB ) correspondence dated XXXX/XXXX/2016, in which they said they would. 
I am asking again for your help to get this matter resolved as Exxon responded they would in their response to you. 
Obviously, Exxon does not care if they harm a consumers credit and business reputation, however, they should take a CFPB intervention more seriously, stop bullying the consumer and follow through as they stated. 
Thank You again for you help. 
XXXX XXXX
In XX/XX/2018 this company Professional Bureau of credit of collections of Maryland applied collections to the credit bureau for an auto loan from several years ago. I called them to notify them that the original vendor XXXX is currently reporting on my credit for this and their placing me in double jeopardy and its resulting in monetary loss. I understand my past and I am paying for it with rebuilding my credit and not taking the easy way out with a bankruptcy. But I also believe I should be treated fairly and these companies should follow the rules. When I contacted them on XX/XX/2018 at roughly XXXX they hung up on me rudely while I politely let them know of their error. All on a recorded line. I would like to have this illegal parking of this debt with no notification or anything removed from my credit report immediately. I made a mistake in the past, had a XXXX and lost everything, doesn't mean I shouldn't be treated fairly, legally and equally. Thank You.
I had trouble using my  Chase Sapphire Proffered and Chase Sapphire Reserve credit car ds on or about  XXXX   XXXX , the transactions were declined. The vendor told me he had some issues with his terminal so i did not think anything was wrong. On Sunday  XXXX   XXXX  I had the same issue at another vendor and contacted Chase immediately and found out that as of  XXXX   XXXX , my accounts had been closed without any prior notice. All the supervisor could offer was that my account was closed " because their affiliate was ending their banking relationship with me. '' I received a letter from Chase advising me of the same on Tuesday  XXXX   XXXX . I have no idea what that means and the supervisor could not explain it any further other than repeating the same sentence.   I was advised by  Chase  Customer Service that the only way to get further info on this matter was to send a fax to their  executive  offices at  XXXX  and that a  Chase case manager would get back to me in 24 - 48 h ours. I sent my fax request on Monday  XXXX   XXXX  at   XXXX   XXXX   and as of Thursday  XXXX   XXXX  at   XXXX   XXXX   I have received no response from Chase, more than 96 hours later.   .
Portfolio Recovery has been listed as an installment loan on my credit report. PRA is not an installment loan company and I have never held an installment loan with PRA. 


I have contacted PRA several times about this issue and they claim that the consumer reporting agency is responsible for this error. I have reached out to XXXX  several times and they responded that the company has no control over the information published by a reporting company and that it is PRA 's responsibility to report correct information.

This is a known issue and tactic with PRA. Several complaints have been filed against PRA for this same issue.

I have mailed 3 certified mail letters to PRA about this issue and have never received a response or correction
My XXXX payment was due XXXX XXXX of XXXX. I paid on XXXX XXXX. Then I paid on XXXX XXXX XXXX for my XXXX XXXX bill. I received my next statement and I still owe XXXX for XXXX. At first, I thought the statement just came out before my payment showed, but looking at the statement the XXXX is on there. The rep told me that I had to pay after XXXX. I said, " so you are telling me I only have 3 days to pay my bill or it does n't count, " and she said yes. She said she would check with a supervisor and she said the supervisor said I would still have to make an additional XXXX. Once my XXXX payment was met and it was after the due date any funds sent to the company should have paid my next bill. I told her I would be filling a complaint.
I had an account with XXXX in which has been paid in full.. They are reporting as Collection Chargeoff in which is untrue .... They are causing me financially hardship. I'm unable to get a mortgage or rent a home for me and my kids .... This has impacted my score
On XXXX XXXX, 2017, I received an electronic communication stating that Capital One 360, an internet based bank, wanted to transfer my money to an undisclosed third party. The bank stated that they placed an electronic block on the account. Therefore, I did not have access to my account. To this date, they refuse to remove the electronic block. They also stated that they closed the account without evidence or due process. They also refused to provide records such as bank statements. The checking account number is XXXX. The account still has funds available.
I was in prison ( for something that happened during an acknowledged mental break ) and my son was taken to the doctors months into my sentence. When I left he had insurance and everything for him was up to date. I get out 2 years after the hospital trip and I have an account in collections while piecing my life together.
Armed Forces Loans has contacted my XXXX ( XXXX XXXX XXXX ) & gave information on an alleged debt. They also contacted me at work on 3 different occasion via phone stating the company name & other information on the alleged debt after I informed them the 1st time I was n't aware of a debt. The person who attempted to collect was a XXXX XXXX.
On XX/XX/XXXX I received a notice from B.O.A regarding an unauthorized XXXX payment in the amount of {$300.00} to XXXX On XX/XX/XXXX I contacted B.O.A and on XX/XX/XXXX I received a message from B.O.A advising that they credited my account and they were researching the claim. To this date I have not received further information regarding the claim. 

XX/XX/XXXX XXXX XXXX Alert from Bank of America regarding a {$1500.00} transfer out of my savings account and requesting confirmation of whether I made the request or not. 
XX/XX/XXXX XXXX XXXX. Received an email from Bank of America with info the recipient info of the transfer to a XXXX and it was transferred. 
XX/XX/XXXX XXXX XXXX.- received an email alert that the transfer was complete with transaction number XXXX conf. XXXX XXXX. 
On XX/XX/XXXX I had outpatient XXXX and was recovering until approximately XXXX that afternoon at which time I saw the 3 emails for the first time. I immediately contacted B.O.A to advise them that the transfer request was not authorized by me. They immediately closed my checking and savings account and locked my online banking account. At that time B.O.A started an investigation into the fraudulent activity. 
On approximately XX/XX/XXXX A B.O.A Associate contacted me and asked me some questions. Did anyone use my phone? Did I know a XXXX? They subsequently advised me that the transfer was made from my phone and that they were not going to reimburse me the money. 
The following Day I went into B.O.A. and showed them the papers from the XXXX center and proving to them I did not use my phone when the transfer was made. B.O.A digital fraud dept. told me I need documentation from my wireless carrier stating that there was malware on my phone otherwise they could not honor my claim. 
I went to XXXX and talked to the tech dept. and they verified that there was no malware on my phone and was told that there are several other ways this could have happened. 
On doing some internet research of my own I found an F.B.I. bulletin dated XX/XX/XXXX The Data Phone Scam entitled The Latest Phone Scam Targeting Your Bank Account,, wherein was exact fraudulent activity I experienced during this event.
My student loan was sold to progressive financial due to default on a student loan. I have made attempts to rectify this debt but was told to pay more. Progressive financial has a history of illegal practices with multiple complaints.
I heard about the Wells Fargo class action lawsuit about opening unauthorized accounts. I never had any authorized accounts opened without my knowing. I did not realize this lawsuit also included Identity Theft Services. I believe that I was charged approximately {$11.00} a month for Identity Theft Services for years and I should have been part of the suit, but apparently I missed the deadline to file a claim. I learned about the Services Charges from listening to XXXX XXXX XXXX. So I have two questions. 

1 ) It's really not fair that I can not be included in the lawsuit, despite missing the arbitrary deadline to file a claim. Why can I not be included, and can I appeal this? 
2 ) I was also charged XXXX a month for some kind of Home Warranty Service that was discontinued last year. Why is this not being reimbursed? I haven't talked to the individual Wells Fargo branch about this, but I inquired with the WFSettlement contact, and they did not mention this type of service.
I have sent two sets of letters to have inquiries removed that I did not authorize. XXXX inquiries are concerning property rentals which I didnt authorize and live in a house and wasnt looking to move. XXXX from a credit card I didnt solicit and declined their credit offer and they closed the account when I contacted the creditor and lastly a inquiry for a car purchase when I had my financing in place.
XXXX XXXX, 2016 Consumer Financial Protection Bureau Reference Complaint XXXX, Equifax, XXXX Dear Representative : On XXXX XXXX, 2016 I sent a certified letter via U.S. Postal Service, to XXXX, Equifax and XXXX regarding a debt which was claimed I owed to a company named XXXX at XXXX. {$4000.00}. The credit bureau partial account number for this account is XXXX. 

The debt was passed on to a collection company named XXXX XXXX XXXX, which I also sent a certified letter to in request they validate the debt, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). The certified letter was also sent on XXXX XXXX, 2016 via U.S Postal Service. 

XXXX 's address listed on the credit report XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX was undeliverable, which I may known to the XXXX credit bureaus listed above. In my dispute letter to them I let it be known, there is an error in the debt collectors address and this should be corrected listing a true address or the debt removed. I also provided to the credit bureau 's a copy of the correspondence of the U.S. Postal Service Certified mail receipt and letter as evidence of my attempt to get the debt verified. 

On or about XXXX XXXX, 2016 I received a response from the XXXX credit bureau 's with no change in its reporting of this date or address correction, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

I am requesting the Consumer Financial Protection Bureau 's intervention in this matter so that I may get the credit report corrected. 

Respectfully, XXXX XXXX XXXX.
The issue I am having is that there are late payments showing on all 3 credit reports which are holding back my credit score. I had received retro forbearance that covered the late payments AND paid the fees to do so. I have a statement showing those fees being paid. After numerous requests to correct those issues, correct the spelling of my name, or to just remove the account. I have received no resolution to my problems. The response comes back as verified accurate even though they will not provide me with any proof from the investigation. I have filled disputes online with all 3 bureaus. The account is paid in full and closed yet I can't get any help with corrections. The student loan is with XXXX who are impossible to deal with and I have had the worst experience dealing with them.
Unauthorized Inquires XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
This is regarding Hunington Bank, I paid off my car loan in XXXX, Now I ca n't seem to get the lein released off my title, They say they mailed out the paper but this is going into 6 weeks and I can not get anyone to take care of this. I even called the corporate headquarters and still nothing. I even asked them to send it to the XXXX County Clerks office and still nothing, they said it was mailed out twice and they told me they would overnight it but that did not happen either .... Please I need some help.
This company : CAPSTONE CREDIT & COLLEC XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX The debt collector in charge of my account has used profane language, misrepresented the amount of debt owed, provided false and misleading credit information to the credit bureaus, has never sent a bill to me, wo n't discuss the bill amount to me without being verbally abusive. I found out about the debt two days ago when I realized it showed up on my credit report. This company has many bad reviews and complaint to the BBB. The date of this debt is XXXX XXXX,2017. When first contacted by the person months back I explained to him that the debt does n't belong to me. I directed him to the correct person and never heard from him again. But, I noticed the statement on my credit report two days ago.
Loan was sold have not recieved any notification from new lender. My payment is due is 7 days. I have waited on hold with old lender they never answer phone. 

Can you please help me resolve this at your soonest convenience. I do not want to be penalized. I have recieved no notices. I have never been late on a payment in my life.
I consolidated my direct loans. All other smart option loans are on auto pay, XXXX of them. The only payment I make manually via my bank is the consolidated loan. When I contacted them, they gave me an address to make the XXXX to which is XXXX XXXX different than the other XXXX, its even in a different state. However when they received and applied my payment they applied it to all XXXX smart option loans that are and have been on auto pay for years, and have a different payment address than the consolidated loan. This is not the first time this has happened.
I 've had an absurdly high interest rate of 24 percent on my 2 cards from this company. The only offer I 've received is for 19.9 percent variable apr for a 7 month period. I have not missed a payment on any payments on my overall credit for 3 years! My credit score is bordering on good at XXXX. I would love to pay more than the minimum payment each month but this outrageously high and unjust apr is making decreasing my balance a unfair challenge. Please assist me in this matter. Thank you kindly
Now all over a sudden they produce a XXXX merge report with XXXX score now XXXX points lower since yesterday. Unreal. XXXX I 'm speaking of. I noticed that they are not all on the same sheet of music when it becomes to reporting my current good stand revolving accounts. I need an explanation from XXXX on how can I go from XXXX to XXXX in one day with no explanation ... I have made no inquiries and no transactions. This is crazy ... please investigate all XXXX to find out what they are doing.
Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
I have reported fraudulent activity on my credit report several time due to online shopping and lost and stolen wallets with social security cards Maryland state identification cards in them. All three credit reporting agencies have agreed to contact me at by number provided to them before my credit is ran, however, I continue to find unauthorized inquiries in large numbers reflecting on my credit report this is a great concern to me as a consumer as it gives me the impression that the reporting agencies have no regard for the protection of the consumers they are reporting on as of XXXX XXXX, 2017, none but XXXX inquiries are accurate on all three of my reports to resolve this problem I would like all three reporting agencies to remove these errors at once to ensure im receiving fair reporting as I have been affected many times before by such inaccurate reporting.
I have opened multiple complaints passing over 20 since XXXX 2017 and all three Agencies were supposed to be updated and the same information via XXXX. I had freezes taken on and off the accounts our accounts in error by these agencies and that these agencies failed to honor. Our credit scores are low even though w e have paid down accounts and made arrangements to reduce high interest. This was supposed to be a favorable work while still paying our creditors on time. My wifes name is still wrong even though corrected multiple times. We have been hacked and turned down by creditors because of this for over 11 months causing ever PERSONAL FINACIAL HARM. We have done everything right and are still getting screwed. When will you do something about this?
On XX/XX/2018 I received an email from Chase stating I will be receiving a new Debit card in the mail because mine was at risk for fraud. On XX/XX/2018 I had a fraudulent charge committed on my debt card in the amount of {$260.00} at XXXX. The transaction was in city I have never visited in my entire life. That same morning the charge was done, I immediately contacted my bank during work to file a claim. Chase temporarily credited me the money back into my account while they did their investigation. On XX/XX/XXXX, Chase issued a claim reversal stating because the transaction was PIN verified it was not considered fraud. The also stated when I called to report the fraud it was stated I had my debit card on me, which I did. So because of that they felt it was must have been me that used the card to make that charge. They did not take into consideration the email they sent to me 1 day prior to the fraudulent charge that my debit card was compromised. I was beyond shocked that after over 4 years of being a loyal client my claim was denied the for 2nd time. I felt like not only was I scammed by whoever made that charge but also by Chase, who knew my debit card was at risk and did not preventive measures to protect me. Instead, they the fraud happen and then denied it was fraud.
Hello There, Commercial Loan Office From Rabo Bank Had Contacted Me Her Name Is XXXX XXXX To Refinance My Commercial Property, She Made All Kind Of Promisses Of Course Not A Single One Came Through. 
( 1 ) Loan Amount {$240000.00} ( 2 ) Closing Cost {$1500.00} She ordered The Apprasail {$730.00} I Paid For And Volunteerly Sent Me A Copy Of The Report Witch I 've Never Asked For. XXXX Called And Told Me Oh I Have Thee Best News You Have The Value And We Are moving Forward, Two Days Later She Calls And Said Oh We Only Can Do {$150000.00} NOT {$240000.00} I Go Why She Goes Just Because I Said No Just Return My {$730.00} Appraisal Fee I Have The Value I Have The Credit Its Your Problem Not mine. 

Her Manger Steped in XXXX XXXX And Said If I Move Forward With The Transaction They Will Credit Me The {$730.00} I Said Ok. 

I Was Contact By The Escrow office To Set Up A Signing Appointmet, I Asked Her About All the Term Of the Loan Come to Find Out That I Would Have A 5 years Witch No One Had Disclosed that To Me.