WillisBack/dataset-financial-user-claim huggingface dataset:
www.lendingclub.com " approved '' a {$9600.00} loan to me on XX/XX/XXXX. <P/>About a week later I was asked to " confirm '' my email address. <P/>After doing this I was asked for XXXX forms, XXXX forms, and a list of other documents which I provided. <P/>I was ultimately asked for my XX/XX/XXXX federal tax return including every schedule and document. I was asked about three weeks after being " approved '' for their loan. <P/>I am late in filing my XX/XX/XXXX federal tax return for resons relating to an ongoing discussion with the IRS related to my XX/XX/XXXX federal tax return, and therefore I had to obtain my tax software as well as file my XX/XX/XXXX tax returns in order to supply the documents requested. <P/>While I was finishing my XX/XX/XXXX federal tax returns and ensuring that therer were no issues with it, I was sent an email " declining '' me for the loan which I had been " approved '' for three weeks earlier. <P/>There is absolutely no legal reason to give an unequivocal approval communication via the www.lendingclub.com web site and then three weeks later to decline a customer. The emails from www.lendingclub.com may have had small print in some of them, but the approval notice on the web site was clear and unequivocal. <P/>There is absolutely no justification for lying to customers in huge quantities and then renigging on promises which the corporation has made to those customers later on.
On Thursday XX/XX/XXXX2016 I had a vehicle repossessed the loan holder is Wells Fargo Dealer Services in California. I paid all the fees that needed to be paid on XX/XX/XXXX2016 by XXXX XXXX. We drove over an hour to pick up the vehicle. Then today XXXX2016 the repossessed the same vehicle again. To me this is unexceptionable. Mistakes may happen, but this is a huge over site. Wells Fargo needs to do a better job. We had to wait 4 hours on XX/XX/XXXX2016 after we paid the fees before they released it, now tell me why did I have to wait so long but Wells Fargo ca n't get their system straight.
I have contacted Amsher Collection Services 3 times for debt validation with tracking number. They only send me a copy of some bank statement with someone with the same name. They never validate the debt to the law of FDCPA and FCRA. They are furnishing inaccurate information. I have disputed the debt numerous times with XXXX which always comes back verified. XXXX and XXXX deleted the records.
Choice Recovery has acted deceptively with respect to my account and my wife 's, attempting to collect on a debt that is already paid, and filing false reports with credit agencies. They accepted referral of a debt that we were actively disputing with the original creditor. We were working with a consumer hotline ( the XXXX XXXX ) that had taken our case and was negotiating with the original creditor, who had been misleading in their business practices, but they aggressively referred it to collections rather than work with the hotline. As a result of the threat of collections, we paid the debt to the original creditor ( under duress ) in full on XX/XX/XXXX for both accounts. However, Choice continued to contact us claiming we owed the debt. On XX/XX/XXXX, weeks after the debt was settled, they falsely reported it to credit agencies as unpaid. This is despite the fact that they claim in letters that they will not report debts to credit agencies if they are paid within 31 days of the first contact, as this one was.
Ditech is the current XXXX mortgage holder after it was with Greentree after being at XXXX XXXX. For one I recently filed bankruptcy and the company wanted me to reaffirm the debt, but after reading paperwork they sent the courts the were unsure of my original interest rate and my initial request for modification with green tree disappeared. Then on the paperwork they stated that the loan was able to be discharged, and collateral did not secure the loan. I would like them to remove the lien and the loan because when I call back, the supervisor advised me that was an error by who processed it and just because they sent to federal bankruptcy court did not count. I feel this is fraudulent and they are deceitful.
On XX/XX/XXXX I was evicted from my home. Im now receiving debt collections for a utility bill. This Utility debt is for XXXX XXXX XXXX. 
The debit collector shows as XXXX XXXX XXXX for {$250.00} which is incorrect because they are saying they show I moved in XX/XX/XXXX. I try reaching out to them over 3x for this to be correct and it hasn't. The Open date shows as XX/XX/XXXX on my credit reports but again I moved XX/XX/XXXX. Below I also attached a screenshot between me and housing company clearly stating that I left XX/XX/XXXX
XXXX XXXX homes offered to pay for 1 year 's HOA dues as an incentive for financing with their title company First American Title.. The title company calculated the HOA total incorrectly ; leaving the total 2 months short. XXXX XXXX paid settlement costs, but was short 2 months on the HOA dues. The HOA has now billed us, including late fees for the shortage, saying they are not responsible.
this company has over  XXXX  inquires on my credit reports and i only did  XXXX  inquiry and was approved.
My credit union mailed XXXX checks to XXXX credit card agencies. XXXX to XXXX, and XXXX to Citi. The check mailed to XXXX cleared on XX/XX/XXXX. Citi is stating the check mailed to them has not posted yet. I suspect they are delaying posting my payment to accrue interest on my account. I contacted Citi, and they were of no help.
My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX, XXXX, PA XXXX. I 'm am now a retired XXXX and have an XXXX from a well known XXXX school. I now spend considerable time helping people, FOR FREE, that are referred to me by my pastor or one of the deacons in my church. One such referral was a widow who, together with her husband, took out a line-of-credit loan on their home for the purpose of building a handicapped-accessible bathroom for her husband who, by then, had become wheelchair bound. They borrowed the money from Wells Fargo Bank and were strong-armed into taking out " life insurance '' on the loan. What the bank did was far more egregious than the auto insurance scam everybody is so excited about today. It 's worth looking into - someone should. After reading the " life insurance contract '' language, you would believe that you had purchased life insurance protection on your loan. YOU WOULD BE WRONG!!! Instead, you would eventually learn, as did the widow mentioned above, that you had only purchased a " debt repayment management tool. '' It was nothing but a 13 % surcharge on the loan that provided no benefit whatsoever for the borrower, but a very nice " extra kicker '' for Wells Fargo. If anybody at the CFPB wants to discuss this issue further, I can be reached at my home telephone number : ( XXXX ) XXXX. Thank you for taking the time to read this treatise and I would welcome the opportunity to discuss this matter with CFPB. Sincerely, XXXX XXXX XXXX
I sent a letter to  Trans Union letti ng them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and  Trans Union ref uses to delete the fraudulent accounts from my credit report stating in a letter its verified.  Trans Union provided no physical evidence to why they wont remove it, according to the   FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit. The accounts that came from identity theft are listed below also here is my Credit report number :   XXXX   These accounts need to be Deleted asap!    XXXX  -  XXXX ,    XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   -  XXXX ,   XXXX   XXXX   -  XXXX   XXXX / XXXX - XXXX
I cancelled my card due to a fraudulent charge that caused a major overdraft situation, and ordered a new Debit card. I went to my local Wells Fargo Bank branch to get a temporary debit card XX/XX/XXXX. I asked the branch rep if she could make sure my account would not allow transactions that would leave me with a negative. She said, " yes, we can do that. '' I asked if that protected me for online purchases, she said " yes. '' So for a couple months I 've been under the assumption that this service was available to me. Friday, XX/XX/XXXX I made XXXX purchases online, through XXXX, and I apparently went negative. The transactions went through XX/XX/XXXX, and after realizing that happened, I immediately went to the bank to put money in the account. I needed to made another purchase for work, and I put {$100.00} in my account Monday, XX/XX/XXXX, leaving me with a XXXX+ balance, which all seemed off. Then I checked my balance again, and I only had {$28.00} dollars! Se regardless of whatever efforts I made to put money in my account over the weekend, it did not matter. Seems that the bank waited to charge my account the next business day, confusing me, causing me to lose {$70.00}. I could have just closed the account instead and they could have lost a customer, and kept my money. I contacted several customer service people yesterday and today, and they said " they can not do anything about it. Sorry you were not given the right information. '' I also found out that the service to not allow my account to go into the negative was never on to begin with, and was only specific to the temporary debt card, not my account. Customer Service " apologized for the inconvenience '' then activated that for XX/XX/XXXX. But then they explained that anything online would be considered an Automated Payment, and that is n't going to be protected by that service anyway, which goes against what the representative at the branch said. So the information I was given was faulty, the help I 've received was little too late, and the apathy for this customer misinformation is astounding. I really would like my {$70.00} dollars back thanks to this. I did n't deserve this slap on the wrist. I manage my account as best as I can, and try to stay as informed as I can. I remained calm, but I know I require more help to get my cash back. That 's my hard earned dollars and I do n't deserve to be punished for something I obviously tried to prevent from happening.
I received a call on my work number from Focus Receivables Management on a file # XXXX. Focus Receivables Management was not authorized to leave any messages or call this number. I did return the call asking who this company was looking for and indicated this was a place of business - they should not be leaving messages or attempting collections here.
Recvd phone call in XX/XX/XXXX from a company called MiraMed Revenue. A man named XXXX called to inform that I owed {$930.00} for a XXXX XXXX procedure done by my XXXX XXXX XXXX XXXX back in XX/XX/XXXX. I told him we have recvd nothing regarding an outstanding debt from our XXXX  or the XXXX XXXX company. I told him then that means if it was owed thennit was also paid already. He assured me it wasnt paid and that it was outstanding and owed. And that he had not the bad debt on my credit report yet. ARE YOU KIDDING ME????? Thats harassment. I told him we have received nothing on this balance!!!! I told him then I would need to check with my doctors billing Dept as well as my husband and would call him back. He proceeded to tell me he would be willing to negotiate the {$930.00} if I was willing to pay today. A red flag went off right there. I did call my doctor and they proceeded to call the XXXX XXXX company and indeed, the bill had long been paid. This is ridiculous. Why are they not required by law to confirm and reconfirm before a single phone call is made that a debt is indeed outstanding?? Unless they are intentionally hoping to scam someone out of money already paid. These are the kind of companies that take advantage of elderly people or non English speaking, or even inexperienced people because of their persistence as well as their lack of desire to check on a balance a customer says has been paid. Why wouldnt they be required then and there to check with company they are collecting for??? Because its just as easy for them, when they get caught collecting again, to just plead ignorance or call it a misunderstanding. Baloney. Stop these companies from being lazy and require them to do their due diligence before placing a single call. It was a waste of two hours out of my day trying to gather information from a year ago to prove to them this balance had been paid. Infuriating. 
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I have XXXX collections totaling {$3600.00} on my credit report that do not belong to me. The collection agency is Thomas Agency and the hospital that the bills are coming out of is XXXX XXXX. I have contacted both the hospital and the collection agency in reference to these bills and to no avail. I called both 2-3 months prior to inquire as to what the bills were for exactly. The ailments the hospital said I had gone in for ( a XXXX, for example ) were something I had not gone to the hospital for. In fact, I have lived in XXXX, ME since 2011 and have not gone to this hospital as it is in XXXX, ME. I have never received letters or bills in regards to any of these collections - I just noticed them on my credit report one day. When I called the collection agency to have them send me an itemized bill, I verified my address and was told I would receive something in 7-10 days. 2-3 months later and I have still not received anything. I did an online search for their Web site and noticed a place to make a payment. I thought that if I clicked on " Make A Secure Payment '' I would be able to see what I owed or, at the very least, how much I owed. However, there is just a rough looking form for me to enter in my name and credit card information. This site does not seem trustworthy to me at all. I am very upset at the fact that I have disputed these collections once already and they were verified as being valid ( somehow ). I really need some relief at this point because my credit score is hurting for collections that do not and have never belonged to me.
Merchant ID XXXXLease # XXXXWe took what was supposed to be XXXX trial offer for a processor and credit card processing machine. We tried out the products and we suffered a charge-back within the first week of having the machine/processor. The bank called our company and advised us the processing account was closed which was 7 days after we opened the account. Now this company first data is saying we have to pay a four year lease because of the initial paperwork that we signed taking the delivery of this machine. Our salesman told us it was 30 days risk free and now this company wants XXXX dollars for the credit card machine which has been sent back to the company within the first 30 days.
I had recieved medical care and my insurance covered 100 %. Medical center radiology at XXXX hospital claim I owe them {$38.00}. They will not tell me what for and have malaciously put the false information on my credit report dropping it from XXXX to XXXX. I called the collection company EQUIDATA, and they wont give me an answer and claim i must pay it. Nothing in a hospital costs only {$38.00} and they cant explain where this charge came from. I think they do this to everyone to scam money. I called my health insurance and they said the entire claim had been paid and there were no additional charges submitted and are sending me an itemized statement. They are committing a crime and its affecting my credit reputation. It needs to be removed asap or im seeking legal action.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Demand Notice Promotional Bonus Offer Checking Account XXXX To Whom It May Concern : 1. On XX/XX/XXXX, I applied for and was subsequently approved for checking account XXXX in response to an unnamed {$300.00} promotional offer ( the Offer, Exhibit A ) which states Congratulations! You're eligible for this offer. 

2. On XX/XX/XXXX, I met all promotional requirements of the Offer. The bonus did not post. 

3. I contacted customer service on XX/XX/XXXX ( Exhibit B ) and the executive office on XX/XX/XXXX ( Exhibit C ) to request payment. 

4. Both requests were denied ( Exhibits D and E ).

5. The failure to credit the bonus constitutes breach of contract, unfair and deceptive business practices, unjust enrichment, and fraud. Moreover, it is emblematic of the serious ethical problems at Wells Fargo Bank. 

6. I am willing to settle for treble damages in the amount of {$900.00}.

7. Else this matter will proceed to trial. 


Sincerely, XXXX XXXX
I paid off a credit card with Bank of America and then they took a scheduled payment of {$100.00} that was not owed. I requested a refund of the {$100.00}. Bank of America mailed me a check for the {$100.00} which I cashed at my bank. Then I found Bank of America had stopped payment on the check. When I called and asked them about the stop payment they initially said I didn't cash it fast enough and it had expired. I cashed it the day it arrived. Then they said they had chosen to refund the {$100.00} back through my checking account instead of the check which is why they cancelled the check. There was no communication with me that the check was cancelled. As a result of my taking it to my bank I received a chargeback of {$8.00}. Bank of America should refund this chargeback as it was entirely their fault. 

XXXX XXXX XXXX at XXXX XXXX where I received the chargeback says they will only reimburse me for the {$8.00} if Bank of America will write a letter verifying they cancelled the check and sent the funds digitally instead. So XXXX and Bank of America are both terrible banks.
I am upset that the new account opened for a construction loan by XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX caused my credit score to drop 22 points. This is a principal interest loan. This loan will be closed out once the construction process is complete. Therefore I feel it is unfair to deduct points for a temporary loan. As well my credit score has already been dropped around 20 points when I was preapproved by XXXX XXXX  for a home loan. XXXX XXXX   to my knowledge used this information to approve me for a specific amount for a construction loan. There is no way for my credit to gain 40 points in the short amount of time before it is checked again my the mortgage company I decide to use for the end loan. This will cause me to pay a higher interest rate on the mortgage loan. Any help in this matter would be greatly appreciated. I might ad that this company has been very helpful in getting me a loan and this is in no way a complaint against them/ XXXX XXXX  XXXX  or XXXX   XXXX. The purpose of this complaint is to try to get some clarification on why this new account has dropped my credit score so much.
American Coradius called my father and left a voicemail saying she's with American Coradius and is attempting to collect a debt and gave my name. She also left a reference number to use when calling back.
I make my monthly payments on time to Great Lakes, however when I make my extra payments, Great Lakes misapplys these payments. They did this to me 2 times. I made  2 extra pa yments of {$50.00} dollars toward   XXXX   XXXX   on  XXXX  and  XXXX . Both payments got misapplied even though I provided Great Lakes with instructions in a certified letter on how to apply the payments.
Portfolio Recovery Associates is engaging in flagrant violations of the Fair Credit Reporting Act by continuing to report a debt and derogatory mark that they had agreed to delete from my credit report. They deleted the derogatory mark from the credit report on XXXX. However they have not deleted the derogatory mark from XXXX or XXXX. Portfolio Recovery Associates is engaging in unfair and deceptive business practices and is flagrantly violating the Fair Debt Collections Practices Act and Fair Credit Reporting Act. Portfolio Recovery Associates is engaging in retaliatory and illegal behavior.
I went to XXXX XX/XX/XXXX to purchase my second vehicle. I filled out an online application and specifically said in the comments section, I only wanted my credit ran with the company that I previously used during my last car purchase. I repeatedly told the car dealer I did not want my credit ran more than one time only. After getting the call that I was denied, I viewed my credit report and saw that they had ran my credit over 5 times. During further investigation I found out my last car purchase there back in XX/XX/XXXX, they ran my credit 10 or more times against my wishes. I repeatedly called the car dealership and still have not received a response from the general manager. So I called corporate and still have not received any call back. I contacted the companies they ran my credit with, and I was advised to file a complaint. I even sent a certified letter to the dealership, and still no response.
Hello, My student has sold my student loans to a private collections company, and they are constantly calling me at my job and at work. They are putting me at risk at losing my job because they are calling me there. Also, I am not sure who is the primary holder of the loan. I ask them for paper work of when the loan documents were sign and they have not forward this to me. I am unable to pay it as I have XXXX child, and not able to pay my student loans.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Collection Information Bureau , Inc . XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me -Signatures on applications and accounts -Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX