WillisBack/dataset-financial-user-claim huggingface dataset:
I received a loan from Spotloan for {$400.00} on XXXX XXXX, 2015. During the application process it did not mention that the payments it pulled every paycheck would be interest only. My payments have come out on payday without issue since that time for {$66.00} every two weeks, XXXX payments in total since the loan was issued, totalling {$600.00}. I did n't have a payment pulled on Friday when I was paid and thought finally I had paid the loan and it 's outrageous interest back in full. 5 days later on Tuesday XX/XX/XXXX I received a NSF fee from my bank and asked what it was for so that I could ensure I paid whoever it was that was n't paid, they replied that it 's Spotloan. Later that day, today, I received an angry email from an employee at Spotloan stating " you promised to pay us back, why are n't you paying us back ''. When I logged into my account with Spotloan for the first time to check the balance and see if I could just pay the remaining balance off and be done with these crooks I saw the remaining balance is {$390.00}, they 've only applied {$6.00} of the {$600.00} I 've paid them to the principal. I can not imagine this is legal or allowed, my understanding is some of the payments were required to go to principal, and I would n't think that a fraction of a percent of each payment would be adequate to meet that requirement. I 've paid this loan back plus 50 % interest over the last 4 months, and apparently I have made no progress toward the balance, this is robbery.
I have an initial fraud alert on my credit report with Experian. I was notified on XXXX separate occasions that my credit report was pulled. I was contacted by XXXX creditor XXXX and i advised i did n't take any action to initiate the credit report inquiry. No fraudulent accounts were opened however I have been left with inquiries I didnt initiate. XXXX creditors XXXX and XXXX stated they would be removed but Experian keeps sending me updated reports saying inquiries are a matter of record and they will remain.
Rushcard has not released my money for a whole week ... im having hardships and need my money asap
On XXXX XXXX I opened a simply right checking account online with Santander Bank because of a promotion being run for a {$150.00} bonus. As per the terms, my account has been open and in good standing for more than XXXX days and I have funded said account in excess of {$500.00} through direct deposit. As per their terms, the bonus would be credited within 30 days if all terms were met. I have met said terms and contacted their customer service by phone 7 times and email once. I have been told multiple times that it would be credited on a certain date, and it still has not.
I sent the following transaction from XXXX, in the amount of XXXX LTC ( worth {$650.00} USD ), to XXXX on XXXX XXXX, XXXX. 

Completed XXXX XXXX LTC XXXX Address : XXXX Txid : XXXX Then I received the following email from XXXX. 

Your Litecoin deposit of XXXX LTC ( worth {$650.00} USD ) completed successfully but was not moved from your Coinbase account to XXXX. 

Please view your account to double check your deposit and manually move your funds to XXXX. 

- The XXXX Team And then this email. 

Congratulations! You have successfully sent XXXX XXXX ( worth {$650.00} USD ) to XXXX  using Coinbase. 
This withdrawal is being sent to an address ( " XXXX '' ) that you have n't previously used. 

View this transaction https : XXXX I have no funds on either my Coinbase account or my XXXX account even tho it shows it was completed and sent to XXXX Exchange . 

I have called both Coinbase and XXXX customer support and I have multiple tickets open. I have attempted to reach them on twitter and reddit and email. This is now the 10th day in which I am unable to access my funds.
I obtained a loan from Wachovia Bank in 2008. Wachovia was later bought out by Wells Fargo. The following issues warrant my complaint : -I recently received loan documents from Wells Fargo -The property land description is incorrect and the property street name is misspelled -My initials are forged on the land description page ( hand-numbered as pageXXXX ) -The loan was originally a fixed rate conventional mortgage loan ; however, when the loan was changed to Wells Fargo, Wells Fargo changed the loan to a home equity without consumer knowledge or consent. Such change restricts refinance options as opposed to conventional mortgage loan ( based on information I 've been given by Wells Fargo mortgage representatives )
Between XXXX XXXX and XX/XX/2016, Capital One bank paid out twice on XXXX different checks written off my account. I discovered and reported the first problem when I got my XX/XX/XXXX bank statement and again in XX/XX/XXXX when that statement showed a second problem. I went back again in XX/XX/XXXX and again in XX/XX/XXXX, disputing the duplicate transactions. Capital One had paid out when the XXXX checks were scanned electronically, and then again when the exact same checks were presented as physical checks in later deposits. On XXXX XXXX, I found out that XXXX set of each payment never reached the payee account it was supposed to go to. On XXXX XXXX, Capital One 's final decision on my claims was that they were denying it because the checks had valid account holder signatures. I would like the appropriate Federal regulatory agency to investigate why the bank 's software allowed these duplicate transactions to occur, and force them to change their software and procedures to prevent it happening again. In the meantime, I am moving my funds to another bank, and have initiated a criminal complaint against the payee on the checks.
Inaccurate amount of debt owe reporting consumer changed debt owed amount several times since account closed .That 's fraud, no contract, not liable for amount reporting
This Collection Agency ( XXXX XXXX ) has never contacted me, gave notice to me, nor furnished to me any documentation verifying the collection debt they supposedly are collecting from me. To make matters worse, they now have put a negative remark on my credit report stating that owe a large balance amount which is not even my debt, as a result, it has damaged my credit with all 3 credit bureaus. 

They allege I owe them {$8300.00} It shows the account was opened on XX/XX/2016 ( 1 yr, 10 mo 's ) *But, there is No Account Number nor the identification as to " What Type '' of an account it is.
Wells Fargo utilizes information from XXXX XXXX XXXX  to make decisions about consumers. This information in this database continues to negatively impact and impedes my efforts to feel whole. I have provided the bank as well as the XXXX XXXX with the police report, the judgement of enforcement order against my ex-husband extrapolating his erroneous report of frauds as well as the divorce decree.
A debt in the amount of {$1900.00} from National credit systems is being reported on my credit report. The debt in question is from an apartment that I leased. I contacted the company by mail on XX/XX/XXXX and again on XX/XX/XXXX. OnXX/XX/XXXX I requested validation of the debt. I asked the company to show me how they calculated what I owe. The company replied by sending a transaction history and a lease renewal agreement. The lease renewal agreement was signed XX/XX/XXXX. I moved into the apartment XX/XX/XXXX ( which is reflected on the transaction history ). When I moved in I made a deposit of {$1800.00}. My {$1800.00} deposit is not reflected on the transaction history so I wrote another letter to the company onXX/XX/XXXX. In this letter I let them know that they were reporting an incorrect amount owed. I asked them to retrieve the lease agreement that I signed on XX/XX/XXXX. This lease agreement will list the {$1800.00} deposit. Without this lease agreement the debt has not been validated as accurate because it can not be reconciled with the transaction history. I received a generic response from National credit systems and the item remains on my credit report. This company is violating the FCRA 609. Also please note that I also disputed this matter with the credit reporting agencies and National credit systems confirmed the debt amount as accurate. Please hold this company accountable by requesting the XXXX lease agreement and requiring them to deduct the {$1800.00} deposit from the debt amount. Also please note that I contacted the apartment complex several times after I moved to recover the deposit. National credit systems did not contact me in regards to this debt prior to placing it on my credit report as required. Thanks for your time.
I received an email stating the investigation is complete ; however, when signing into the site I am prompted with the message : Error : XXXX-Your access to the TransUnion Online Investigation Service has expired. If you believe that information contained in your TransUnion Personal Credit Report is inaccurate and would like to request investigation or change of information, please visit www.transunion.com to learn how to submit your request by mail or by phone.
On XX/XX/18 XXXX XXXX called one of my references and informed them i am behind in my payments and disclosed how much i owe them. The reference they called was a family member that had no right to know how much i owed or inform them of what type of loan i had with them.
The company XXXX XXXX XXXX sold us furniture and related items on XX/XX/XXXX for {$3000.00} dollars. They delivered different furniture than what we picked out, They will do nothing!! and claim I signed a sales order that states all sales are final, no refunds. There sales order # XXXX is a forgery and never signed by me. I have filed a complaint with my bank The bank stated onXX/XX/XXXX by " XXXX '' there claims representative the bank has no liability to help me. Wells Fargo has a responsibility to protect me from fraud and missrepresentation
Wells Fargo Bank has charged my business account for QuickBooks service without my permission. I had subscribed to this service on one of my business accounts. I subsequently closed that account. 
Without notice to me or any specific permission from me, Wells Fargo began billing for their QuickBooks services on a separate account. I never asked for this service on that account and they claim that my consenting to the service on one account constituted consent for any other account which I had open.
I filed a complaint with the Attorney General 's Office in New Jersey and the FCC because I currently go to XXXX and there is no way I am in collections with them. I spoke with the XXXX Manager in XXXX, NJ about this and said that it was an error. His name is XXXX XXXX, phone number ( XXXX ) XXXX. You can contact him and he will let you know that this should not be in collections or on my credit report.
I lost my home in the Northern California Camp Fire. My insurance company issued me a check for {$210000.00}. My principal balance on my mortage was {$98000.00}. The check had my name and Ditech Home Loans as the Payee. I send the check to their claims department. I wrote Ditech a letter asking that my mortage be paid off and the remainder sent back to me. I sent the letter and the endorsed check via XXXX to Ditech, which they received on XX/XX/XXXX. I have called numerous times asking where my remaining money was, when were they going to close my mortgage and do a lien release and when they were going to send me the over-payment amount back. The last time I called was today XX/XX/XXXX. I was told that my check was applied as a payment and they had not closed my mortgage out. They could not tell me when I would received my over-payment check. It has been 2 month since they have had my funds and I need my funds to get my family back into a house. I don't know what to do. My Ditech account # is XXXX. The customer service number that I have been calling is XXXX. The account is under the name XXXX XXXX, though my name as reverted back to my maiden name : XXXX XXXX
On XXXX/XXXX/XXXX Shellpoint Mortgage Servicing phones were not working due to XXXX XXXX, thus, I was unable to make a debit payment as usual. I instead sent XXXX money money orders which was the correct amount, the next day returned receipt. The money orders were sent back. Since XXXX/XXXX/XXXX I have called XXXX frequently without results/resolution. XXXX XXXX attachments XXXX Now, my loan is in default because of my difficulties of communicating with Shellpoint.
On XX/XX/XXXX, I filed a complaint with CFPD ( Complaint Number XXXX ) against Transunion regarding inaccurate reporting of information on my credit report. More specifically, reporting 30 days late on my XXXX account for the month of XX/XX/XXXX. At that time, I provided correspondence from XXXX indicating that the month of XX/XX/XXXX should be reporting as current. 

On XX/XX/XXXX, I received information from CFPD wherein Transunion responded we have removed the XX/XX/XXXX late payment history from XXXX XXXX # XXXX. 

On XX/XX/XXXX, I pulled my report from XXXX and in fact Transunion did update this account to current. 

On XX/XX/XXXX, I pulled my report from XXXX and Transunion has reinserted the 30 days late status and they are now once again reporting this account with inaccurate information.
Ability Recovery Services Collection agency removed a debt from credit report in XXXX for creditor XXXX College. Received an alert on my credit report that this agency added this debt back on my report on XX/XX/XXXX with no written notice. I contacted the company the same day to ask to speak to a manager to ask about the validation of a debt with no written notice. I was spoken to rudely and was told I can not speak to anyone else. This file is currently listed under investigation with the credit bureau. Ive still yet to receive written notice to validate this debt to be placed on my credit report
I would like to know how you verified the following accounts when they are clearly inaccurate : Did you call the original creditor or just look at the information in your database? 

XXXX XXXXThis account was paid in full. This is inaccurate. 
XXXX XXXX XI was NEVER late. This account is misleading XXXX XXXXThis account is inaccurate. There should n't be a balance. 
XXXX XXXX XXXXThisdate of last activity is misleading. 
XXXX XXXX was never late. 
XXXX XXXX 've never done business with XXXX nor have they responded to any of my letters for investigation, How are they certifying verification to YOU???? 
XXXX XXXX XXXX XXXX HAVE NEVER DONE BUISNESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY ABOUT THIS DEBT!!! 
XXXX XXXX XXXX XXXXthe rating on this account is inaccurate. 
XXXX XXXX XXXXThis account is listed on my account TWICE ... ..TWICE!!!! Yet and still you refuse to remove it ... how is that possible or legal? 


I 'm getting tired of sending these disputes that the credit bureaus are not investigating, The credit bureaus need to be held liable for all the stress they are causing consumers to go through dispute inaccurate information on their credit reports. How is it that a collection agency can just place a collection on my report but i have to fight tooth and nail to get them to investigate. This is NOT right!!!!!!
Wells Fargo has been harassing my wife and I over the past year. We are crippled by this debt. When we told, we could not make the high payments, first they suggested consolidating the loans. After consolidation, the payments became even higher. Then, we asked to have them unconsolidated and they refused. it took several phone calls. Also, my wife gets calls almost daily just letting her know a payment is due. The loan has been deferred since she took some classes. They have called her and our mother in law who is the cosigner. The information is inconsistent online and who you talk to in person. and you just get the run around. Today, I was about to make a payment and they refused to take it. They said it has to be a bank card. This was my last straw. I offer to pay the money and you refuse to take payment. This has been a huge nightmare, and this vendor should be barred from taking on student loans. My wife even was diagnosed with XXXX and is not able to work full time. Still, they wo n't offer any relief.
The Company is : Lakeview Loan Servicing , LLC or XXXX Attn : Consumer Solutions Department XXXX. XXXX XXXX XXXX XXXX, VA XXXX I closed on my home XX/XX/XXXX. 
In my closing papers my new forwarding address was listed as XXXX XXXX XXXX XXXX GA XXXX. 
On XX/XX/XXXX- XXXX XXXX XXXX ( XXXX ) paid XXXX {$1600.00}. This was alarming considering I already closed on my home, so I called to find out what was going on. 
- XXXX confirmed they recieved payment from XXXX and issued me a refund check for {$1600.00}. 
- The XXXX XXXX XXXX Stopped the check to XXXX  ( apparently the realized they paid them by mistake and sent my refund check to XXXX XXXX XXXX XXXX GA XXXX on XX/XX/XXXX ( or so they say ) Well that is not my address anymore, i clearly sold that house, so i cant figure out why they did this. 
- Since that is not my address i started calling XXXX XXXX XXXX and trying to MY ESCROW money sent to me ... 
- I have called SEVERAL times and always get put on hold and wait for 25 minutes before they disconnect me. 
- I believe this company is trying to steal my money and put me on a block list so i cant speak to management. 
- I am now trying any avenue possible for them to send me MY MONEY to the CORRECT address, this entire mix up is all their fault and they need to be held accountable for holding MY money for so long without permission. 


Please remove my address before publishing
On XX/XX/XXXX i submitted a complaint through the CFPB - original case # XXXX. I disputed the fact that Experian was still reporting XXXX debts from XXXX XXXX. The company has agreed to stop reporting, it was already deleted from XXXX and XXXX. Experian responded by saying that the student loan would be deleted from my credit report. The accounts were never deleted. i 'm attaching proof of the response letter from Experian and my most recent credit report showing the loans still being reported. They are scheduled to be removed in XXXX. but its been 3 years since they should have been removed in the 1st place.
I sent a certified letter, faxed a letter and made a phone call to Experian concerning incorrect information on my credit report. I explained to them certain hard inquiries on my Credit report are not mine and Requested them to be deleted because it is making it very difficult for me to acquire credit. Experian refused to do so with no proof. The hard inquiries are XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, and XXXX XX/XX/XXXX. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible Thank You XXXX XXXX
I tool a parent plus loan for my son to attend XXXX XXXX college. Unfortunately the college closed down so I applied for a loan dismissal which was approved. I received a letter stating it was dismissed and I do not need to do anything else. All of a sudden I started receiving statements and I called and Nelnet said I haven't paid the account in months. After speaking to various people at Nelnet I was told that it was a problem on their end due to a need to update questions # 9 on the dismissal form. So even though it was dismissed, without my knowledge Nelnet reopened the loan and without any warning my credit report was ruined it went down by 47 points in one day. I called Nelnet and spoke to a rude woman named XXXX who stated that no matter what there is nothing they will do to take off the report from my credit. She admitted it was an error on the Nelnet 's behave and said still they can not fix the credit report. This is a nightmare for me and my family I spent years fixing my credit and finally got it to a good place and now we are worse off than ever due to Nelnet 's negligence.
I Opened a bank account at Wells Fargo on XX/XX/2016. My father and I set up online transfer through Wells Fargo 's SurePay. We used the online transfers so that I was able to pay some of my father 's bills for him. XX/XX/XXXX and XX/XX/XXXX my father began to show signs of mental instability. XX/XX/XXXX my father was going to be homeless and I set aside XXXX dollars aside for housing for him ( XX/XX/2016 ). My father did not want any money set aside for housing and instead wanted to be homeless. The XXXX dollars was returned to my father in the form of a cashiers check dated XX/XX/2016. In the time between the transfer of the funds and the receipt of the cashier 's check my father opened a claim against me. The bank misinterpreted my father 's statements or my father misspoke and all of the online transfers were reversed. This reversal and the fees related to those reversals led to my account being overdrawn by XXXX dollars. Since then I have disputed this claim. I have called numerous times to explain the situation. I have also submitted an itemized list of how all the transferred funds were distributed. I have obtained a signed statement from my father along with a Wells Fargo Branch Manager which clearly states that my father 's intentions were not to bring into question the legitimacy of the online transfers. The statement also states that my father wishes to have the fraud claim withdrawn and wishes to have me cleared of any wrong doing. Wells Fargo 's fraud department has cleared me of fraud stating that I was the victim in this case. My Complaint is that with all of the information presented to Wells Fargo they still will not revisit my claims case. They are demanding that I pay the negative balance and threatening to ruin my credit by sending my negative balance to creditors. They have refused to halt the closing of my account while I have been in dispute with this claims case. I was informed by the claims investigator through an email on XX/XX/2016 that this claim existed. I was later informed that this claim was settled on XX/XX/2016. I was also sent a letter stating that I owed XXXX dollars to Wells Fargo while my bank account showed a negative balance of XXXX. I feel that I was not given a adequate amount of time to share my information. I feel like Wells Fargo was negligent in their investigation and I feel that with the new information I should be cleared of any wrong doing. Thank you for your time,
An account in my credit is showing late, this account has never been late, this inacurate reporting has affected my ability to get funding and has made me pay higher interes. 
Please remove this late in my credit report.
On around XX/XX/XXXX Prestige Financial Services Account Vice President has stated on phone conversations that the negatives of 30-60-90 days was going to be deleted to support me on my VA Loan and home purchase in Florida. 
Now, she denies that she didn't promise me.This a act of Discrimination and Retaliation against me as a XXXX XXXX American and Military Veteran. 
Prestige administration are Retaliating because I filed various Federal Government complaints since XXXX and Present. 

XXXX XXXX XXXX credit report shows that Prestige Financial Services contacted XXXX  and deleted the negatives on my credit report on XXXX XXXX. 
I have a credit score of XXXX on XXXX.. 

Respectfully Prestige has violated my XXXX XXXX Civil Rights Act under Department of Justice.I am XXXX Lifetime and Retired.I am a US XXXX Honorable Military Veteran.