WillisBack/dataset-financial-user-claim huggingface dataset:
I had an existing 'payday loan ' ( {$300.00} ) with Easy Money-XXXX XXXX XXXX , XXXX , TN XXXX. When I went in to pay off and rewrite the loan on XX/XX/18 the representative told me my payday loan ( due once per month as I am on Social Security ) was changed by their Corp Ofc to a 'Flex Loan ' and that payments would be $ XXXX/month until paid in full, with an extended credit line of {$500.00}. I chose not to increase the credit line and it was to remain at a principle of {$300.00}. The {$49.00} was to be debited from my bank account once per month. On XX/XX/18 they debited {$15.00} from my account instead of the {$49.00} agreed upon. When I contacted the rep she said 'the Corp Ofc changed the contract because it would take 'too long to pay off ' and that the {$15.00} withdrawal was a 'late fee ' which they debited instead of the {$49.00}. When asked why I was not notified of the contract change she replied that they 'just didn't have time to contact everybody '. I subsequently filed a complaint with our local XXXX who referred the complaint to XXXX Ohio ( complaint # XXXX - ref # XXXX ). XXXX Ohio stated Easy Money CCFI et al  Buckeye Check Cashing stated they 'never ' had a loan contract with me. I then provided a copy of the original contract which clearly states it is a 'Flex Loan ' ( Account # XXXX ) and the principal amount of {$300.00}. They then changed their position and stated it was a 'Fixed Loan '. The XXXX Ohio could offer no further resolution but to provide resources to initiate a 'regulatory ' complaint. I also sent certified letters to both the Easy Money local office and Ohio location indicating the contract was disputed due to their unilateral breach and revoked their ability to access/debit my bank account. I also sent an account dispute notification to their website on XX/XX/18 following my conversation with the store rep who deleted the online account information immediately after my phone conversation with her. It was restored after I filed the XXXX  Complaint even though they told XXXX  there was 'no contract '. They never responded to my online dispute notification. To date I have not received any communication from Easy Money, CCFI et al Buckeye Check Cashing regarding the dispute. I would like to get this resolved but strongly feel there is definitely fraud and deceptive business practices involved here and I feel certain that it began with their store rep and continued because they felt a retired senior citizen wouldn't notice it. I am retired and financially vulnerable but I am not stupid. I would be more than happy to provide whatever documents you require as I would like to bring resolution to this matter.
I called Bank of America X/XX/17 and they would not refund the {$35.00}. Spoke to a customer service rep then a manager. I told them I would contact the CFPB I am contesting an overdraft fee of {$35.00} which Bank of America will not refund. Bank of America did cover an overdraft of XXXX on X/XX/17. <P/>Deposits were made to stabilize my account X/XX/17 So, 4 days money cost me {$35.00} which my estimate is 60 % interest on a 4 day loan This XXXX article mentions the CFPB telling customers to beware of this fraud XXXX XXXX XXXX Bank of America
Wells Fargo Dealer Services has abused my rights as a consumer, by using the power of the 3 credit bureaus. On XX/XX/XXXX i purchased a used vehicle WFDS issued me the loan and i accepted it. My payments were XXXX per month. I paid my monthly payments till after around 13 or 14 months later WFDS decided that my insurance wasn ; t good enough and issued me their own insurance. Everything got very confusing my payments changed, as to even in XX/XX/XXXX they made me pay XXXX. I said i dont understand why the XXXX their reply was your payment raised i paid it then they wanted me to pay XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on top of XXXX the new payment they raised me to. I could not make the payment which forced me into falling behind. I was looking at repossession now. On XX/XX/XXXX WFDS accepted another XXXX told me that i would be fine with the repossession and in the meantime a truck pulled up in front of my house trying to repossess the car, they were unable to do it that day since the car was in the mechanic shop. That forced me into doing a Bankruptcy to get protection from the Federal Judge. I received my protection. In the meantime WFDS has instated wrong information on my credit report for the last 3 years or more, wrong dates, wrong amounts, and a separate account for their insurance. I have not tried to resolve this before because my husband has been very ill for the last 4 years, undergoing extensive XXXX, but today hes doing much better, and i am here trying to resolve this matter.
On Saturday, XX/XX/2016 Cash1 called me and did not leave a message at XXXX from phone # XXXX. They did not leave a message. They called me again on XX/XX/2016 at XXXX from XXXX and I told them I had left my brother 's funeral and that it was not the right time to talk. They then called me again on XX/XX/2016 at XXXX from XXXX. I am not sure why they keep calling asking for a payment, especially when the cash1 collections dept, took two payments on XX/XX/2016. I have asked them to stop calling all day and they insist on calling me mutiple times a day, from the XXXX phone numbers mentioned aboved.
In XXXX I applied for a HARP loan through my lender, Bank of America. During the application I disclosed that I had a bankruptcy which was discharged. In the bankruptcy process I was unaware of a choice of reaffirming or not reaffirming my mortgage, even tho I did not include the mortgage in the bankruptcy. I advised the loan officer that no form existed and that I had first hand knowledge that some HARP loans get underwritten and closed even tho no reaffirmation form exists when the debtor has paid as agreed. The application went through processing. I was then denied based on the lack of the reaffirmation form. No exception could be made. 
I APPLIED FOR THE HARP LOAN TO REDUCE MY MONTHLY MORTGAGE PAYMENT. 
I WOULD NOT QUALIFY FOR A CONVENTIONAL LOAN BECAUSE I AM RETIRED, Yes retired from BANK OF AMERICA XXXX. 
I am writing because the HARP LOAN was designed to help people in my situation. 
I am asking for some intervention so that I can succeed at reducing my mortgage payment so that I can stay in my home that I built ( much of my own sweat ) many years ago.
The following agencies made hard inquiries that unfairly impacted my credit score : XXXX XXXX  on XX/XX/XXXX-XX/XX/2017 XXXX XXXX XXXX-XX/XX/2017 XXXX XXXX- XX/XX/2017 XXXX XXXX XXXX- XX/XX/2017 XXXX XXXX- XX/XX/XXXX,XX/XX/XXXX & XX/XX/2017 XXXX XXXX XXXX- XX/XX/2017 XXXX/XXXX XXXX- XX/XX/XXXX & XX/XX/2017 XXXX/XXXX-XX/XX/2017 XXXX/XXXX XXXX XXXX- XX/XX/2017 I have never obtained or used funds from these companies.
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX Capital One XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : Account # XXXX CFPB CASE NUMBER XXXX Respond not fair enough Dear Capital One, I have been a good customer with your company since XX/XX/XXXX.I am enjoy doing business with your company and have been pleased over the years. Currently I have XXXX open Capital One accounts And maintain good standing. ( Accounts Last XXXX numbers XXXX XXXX ) I am writing to request a " goodwill '' adjustment be made to Account # XXXX with the major credit reporting agencies. 
Although I made a late payment on XXXX XXXX, I have an excellent payments history otherwise My monthly payments are always on time. Please consider removing the negative payments reported by your company from my credit reports. The late payments I am requesting deleted and / or removed occurred on XXXX XXXX. 
These late payments do not reflect my overall good payment history with your company and I would like them removed. I experienced a temporary loss of income due to unemployment. Again, I really enjoy business with your company and hope to continue a satisfying in the future. Please make into consideration my loyalty to your company and work with me to remove these negative marks from my credit reports. 
I look forward to hearing from you soon. 
I am keep sending request until get fair resolution Sincerely XXXX XXXX XXXX
The company in question is XXXX, owned by PayPal. 

On XX/XX/2018, at appoximately XXXX XXXX, I was notified my XXXX  account had received {$1700.00} from friend of mine. I immediately initiated the funds transfer ( using XXXX mobile app ) to my credit union account. Per the XXXX  website, funds are usually available the next busness day. It is now a business day and a half later and I STILL have not received my money. I called XXXX  and they informed me sometimes these transactions can take 3 ( or more ) business days. What? Why the delay? This is unaccepatble, given that I had completed an almost identical transation ( same individual, same accounts, same days ) like this last month and it took 1 day. There is no rhyme or reason why this transaction should take longer than that one did, other than I believe XXXX  is " holding my money hostage '' to earn interest from it. They pull this same kind of stunt at PayPal and I have to wonder why PayPal ( who owns XXXX ) hides under the XXXX name when the two companies provide like services.
Finding out someone changed my to XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX NM XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX recently in XX/XX/XXXX. I 'm having problems with Experian XXXX to delete this information, I had provided this documents to them. Which this is fraudulent information on my report on Experian XXXX. I found out with XXXX Bureau report that my name and address was changed on XX/XX/XXXX XXXX XXXX XXXX Equifax XXXX has corrected in their part after providing the Documents to them they requested whom I was ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX. I made a police report with XXXX XXXX Police Department in XXXX XXXX NM, and took the necessary steps. To stop this fraud. I had a name change in XX/XX/XXXX to XXXX XXXX XXXX XXXX in the State of New Mexico Documents are provided for you too see.
Took out a home equity loan with XXXX, later became Greentree XXXX and is now Ditech. I did not know it was going to be fully due in XXXX of 2014. I thought it was a typical 10 year draw with a 20 year payback. I did not have the {$68000.00} due. I rushed to refinance and was ready to close. They pulled the credit report and Grentree marked it as late. I tried several times for an extension of terms so I could remove the negative from the credit report but they refused. We asked them to remove the negative so we could close and get them their money. They refused. I have been paying them $ XXXX since then and they have taken no action. Just tried again to refinance to pay them off but was denied by XXXX XXXX because Ditech did not return their call for more information to possibly close.
I called the company a few weeks ago and asked them when they would stop reporting to credit bureaus and I was told that it would be removed once my bankruptcy has discharged. My bankruptcy has discharged and they are still reporting to the credit agency XXXX that the account is still open in collections.
i bought an item from XXXX thru paypal, paid, waited about 1 month and then usps tracking showed item was avaliable for pick up, i went to usps and they dont me that the package was not there, i kept calling them and they said they cant find the package..
Sent a cease and desist letter to midland credit management on behalf of my mother who is suffering from XXXX..she is currently in a care facility and is unable to afford any bills..this cease and desist letter was sent out in XXXX of 2016..going through her mail today..there is correspondence from Midland Credit Management again asking for payment..
I was contacted by a company called Ability Recovery Service fora medical debt that they say I owe from several years ago to a hospital here called XXXX XXXX. I contacted XXXX XXXX and talked to someone named XXXX in patient services or billing. She told me that I don't owe the hospital anything. I believe this company is fake and bought my address from another company. They are calling me from XXXX PA from this number. ( XXXX ) XXXX. The lady will not give me her name. They are abusive. She gave me the wrong address when she called. And the phone number goes straight to her not to an operator. The bill said {$150.00} at first and now it says {$150.00}. I want to report Ability Recovery Services for fraudulent collection activity. They put this as debt on my credit report from XX/XX/2017 and I want it removed now. They brought my credit report down 20 pts and the lady that keeps calling me said I need to pay it to get it removed.
I contacted the company on  XXXX     2017 after a collection letter was mailed to my mailing add ress, they told me that amount that I owed for  XXXX   XXXX   XXXX  even thought I knew that the amount was less that they were telling me, I was on fear to this collection to be reported to my credit reports ( Which they reported anyways ) after I saw the collection on my credit report I called them and made an verbal agreement to Pay To Delete after the debt is paid off and I agreed for a monthly payment of {$94.00} on  XXXX / XXXX  /2017 a  first payment was taken on that day and 3 days later they took the other amount without warning on  XXXX / XXXX /   2017,  I called them back and they said that the agreement was on the first of each month so they took the money, since I want this account out of my credit report I agreed to the first of each month to the amount of {$94.00}, today  XXXX / XXXX /   2017 th is compa ny without warning took the amount of {$180.00} causing my account to go to negative state and results of NFS charges I called them and I was told that was in the agreement and to fax copy of my bank statement to them which I did. The represe ntative was very nice but refuse to listen to my problem. I was never told by phone that I have the right to dispute this debt but as a citizen I paid anyways to avoid annoying phone calls.
We closed a checking bank account with Bank of the West after explicitly asking whether bank fees would artificially keep the account open. We were assured that the monthly fee charged or any other bank fee charged would not keep the account open, only outside charges. We also received the final amount in the account at that time. Since then, we have received an account statement showing that the account was still open and the monthly bank fee had indeed been charged so the account is now in a negative balance. Exactly the very thing we were told would NOT happen when we went in to close the account by an employee working at a branch of this bank.
I received a call from Capital One saying there appeared to be two transactions that required attention from their fraud department. They asked me to send in a picture of my government Driver 's License front and back to reinstate my Credit Card. Since the address on file with them does not match the address on my Driver 's License they said I need to send in a picture of a utility bill AND a picture of my Social Security Number which I do not feel comfortable doing. I think that the picture of my utility bill is enough and the woman on the phone said I only had to send in one piece of ID to reinstate my account. With out reinstating my account I am unable to use my card OR make payments. I offered to not only send in a picture of the name on the utility bill but also a picture of account statement from my bank, all pieces of mail with the current address they have on file. They are completely unwilling to help me with this situation and asking for information that I do not feel comfortable sending over the phone. Here are the two representatives that I spoke to over the phone. <P/>XXXX XXXX ID XXXX XXXX Eployee ID XXXX
money was se nt to western union to  be picked up by this person Date of Order :  XXXX / XXXX /   2017  Amount Sent :  USD   XXXX  Receiver Name :  XXXX   XXXX  tracking number mtcnDate of Order (   XXXX   ) is :  XXXX  :  XXXX / XXXX / 2017  Amount Sent :  USD   XXXX  Receiver Name :  XXXX   XXXX  Status : Picked up Status : Picked up they gave me   XXXX    number which is  XXXX  when submitted to  western they say can not be found, dont know who to contact except western union
i have a store card with XXXX. i am less than 3 days behind on my current payment. I understand the importance of paying on time but i have to wait for my paycheck to pay the bill. However the company ( synchrony bank ) continues to call me at least 4 times a day every single day telling me i need to make my payment. I am fully aware it is due and have told thiem it will be paid and i feel harassed by the number of calls that I am getting from them. I have had to place my phone on silent so that I do not have to hear it ring all the time.
I just recently paid a loan off that I originally opened with XXXX XXXX XXXX back in XX/XX/XXXX. The account was sold to Monterey Financial shortly after I opened the account. Monterey recently reported my account as late 30days, stating I hadn't made a payment inXX/XX/XXXX. I have talked with monterey several times this year and they have never said that my account was missing a payment until today XX/XX/XXXX, when I asked why did I receive a late pay on my credit report at the end of my loan payment which I made on XX/XX/XXXX, for {$190.00}. I was told by the rep that I missed a payment in XX/XX/XXXX, and that the missed payment is the payment I made on XX/XX/XXXX, and that is why we reported you late 30days from XX/XX/XXXX. I received this correspondence via email on XX/XX/XXXX, after 2years.
One on my credit report is with XXXX XXXX XXXX XXXX XXXX XXXX BANK USA XXXX. 


XX/XX/XXXX {$600.00} The date is incorrect, its been more than 6 years & in the state of Arizona that is past the statute. The next one is with XXXX XXXX and I'm pretty sure its the same charge from XXXX   XXXX from XX/XX/XXXX or before that year? It shouldn't be on any of my credit reports. 

XXXX XXXX XX/XX/XXXX {$880.00}
I have been dealing with Navient for many years now. Since the beginning I have had trouble getting in touch with them and was given wrong information. My loan has went up {$3000.00} since I consolidated with Navient. I have not even made a dent on paying any of it off. The interest rate has gone up as well. I have been trying to use the plan where it is based off of what you make, but even when using that, the principal has not lowered at all and it has been at least 3 years. I feel like I am never going to pay off my loans.
1. The forced answers to the questions on the form did not cover my problem, so I had to answer incorrectly. 

2. The problem is with the Annual Free Credit Report, from Experian. 

I just ( XX/XX/2018 ) got my Annual Report from Experian. 

A. The report on the screen was very dim, and very difficult to read for an old person like me. In other words, it did not conform to the contrast requirements of the W3C Web Content Accessibility Guidelines. 

B. I tried to print the report. In addition to a very large number of pages, the printing was also very dim and hard to read. 

C. Even when I printed it in Landscape format, some of the information on the right side of the page was cut off. That is, I could not get a printed copy of ALL of the information on my report. 

D. The large amount of unnecessary whitespace on the report seems to be deliberately designed to discourage printing. 

Also, in the Experian " validation '' process, there is a requirement to answer questions in a VERY short period of time. Three questions in one minute. One was about the first 4 characters of my drivers license number, and my billfold with my license was in another room, taking quite some time to get. Another question was my mortgage payment amount - and most people do not have that exactly memorized, so have to go look it up. I believe this short time limit is designed to discourage people.
My student loan has been bounced all over heck and back and now on my credit report fed loan servicing center has reported things incorrectly my student loan was transferred to   XXXX   XXXX   XXXX  / XXXX , that is who I have been paying and montoring, after reviewing my credit report and making  7 d ifferent phone calls and no one making heads or tales of my information and being transferred/sold to another lender fed loan servicing is part of the  XXXX   XXXX   XXXX   XXXX   same as  XXXX . fed loan servicing needs to remove the their information from my credit report it is the same as the information  XXXX  is reporting. its been 16 years since fed loan servicing started reporting, I want the information removed and after all the phone calls no one seems to know who I need to contact to have it removed, I have disputed the information on   XXXX   and its getting me no where the numbers given as contact for this account is where I started ... im very frustrated and want this handled and removed form my report!
Complaint against One Technologies dba XXXX. 
Precedent : XXXX, XXXX XXXX, the XXXX and the FTC prevailed against XXXX for {$22.00} XXXX. [ Ref Tab # XXXX ] -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Beginning in XXXX 2014, XXXX debited my XXXX Card for {$29.00} per month for 33 months [ {$980.00} ] until I discovered the fraud and contacted them to cancel. I contacted them and requested a refund of of {$980.00}. They responded with two topics : 1 ] They refused all refundsXXXX [ Ref : Tab XXXX ] 2 ) They understated the total amount they took by {$470.00} representing a shortfall of 16 months, from XXXX XXXX to XXXX XXXX. [ Ref : Tab XXXX for Totals & Tab XXXX for Credit Card Monthly Statements [ Yellow Highlight ] 3 ] I am requesting the CFPB to collect the total amount taken from my account. [ {$980.00} ] This binder is the only method I had to provide all the documentation, credit card statements, etc.