WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2017 my car loan was purchased by Pinnacle Financial. My car has a fail switch so my original contract doesn't contain any late fee amounts. I noticed that this company had been charging me late fees. I questioned it but they ignored my questions. They also have admitted taking payments out of my account illegally. Most recently I made several inquiries to obtain a print out of all payments and late fees collected from the account on file. They have blatantly ignored my many requests. The representative that was managing my account had tried to send me a screenshot but I needed something more professional on company letter head for my mortgage lender. I believe that this company is fraudlently charging me. I would like them to supply proof of what I have paid to date as well as proof that they now hold my loan and how many payments I have left. I would also like a refund of the late charges.
I received a letter dated XX/XX/XXXX from Ditch/XXXX XXXX about interest on my home in which I added to my chapter XXXX bankruptcy case number XXXX which was discharged in XX/XX/XXXX. I wrote you previously about this company stating that I owed them XXXX on a home that was discharged in my chapter XXXX bankruptcy. I filed case number XXXX with you and you made them send me my deed to my home. Now they are stating that I owe this much interest on my home and trying to send XXXX XXXX an interest statement for this XXXX. I am on social security XXXX and do not file taxes on my income. I talked to my attorney and they gave me advice to file taxes in which I do not have to file taxes being XXXX. I have never paid this much interest on the home in one year, since I have been living in the home. I believe this is bogus and this new company is trying to collect for XXXX XXXX XXXX. I am filing this complaint to get them to stop collecting from me.
According to www.equifaxsecurity2017.com, Equifax compromised my private information during the " hacking incident '' as of XXXX. They waited until XXXX to make the public aware. According to XXXX, Equifax 's Chief Officer of Security obtained her degrees in XXXX XXXX. I believe this was negligence on the part of Equifax to treat network security so haphazardly, given the amount of information on the amount of people they currently have the information of. More than one hundred million Americans are impacted by this incident. Equifax can not directly be reached by phone or email at this time. 

This incident will impact the rest of my life, and possibly even beyond that, as the information that has been misused includes my birth date, full legal name, SSN, all applicable prior addresses and legal relationships. It will cost me thousands of dollars to keep my compromised information from being used against me over the coarse of my life time, including fees for freezing and unfreezing my credit, expenses for credit security, and so forth. 

I never consented to doing business with Equifax, but it is known that they have information of everyone who has ever had any kind of loan, debt, bank account, etc.
As of XX/XX/2018 and XXXX XXXX XXXX, Experian, and XXXX   are still reporting the item on my credit history from XXXX XXXX. I am still suffering considerable economic harm. I demand they remove this item from my account immediately.
I can appreciate the bank letting me overdraft at times to cover some of my bills but I think double and triple fees on the same over draft can be over charging a consumer I
In XX/XX/2017 I created an account at Coinbase.com, with the intention of purchasing some cryptocurrency. I passed my identity verification screening, which included adding my name, address, bank account information, credit card and even uploading my driver 's license to confirm my address and age. I was allowed to make multiple deposits of XXXX, XXXX, XXXX and XXXX dollars. 

I purchased some cryptocurrencies, paying fees each time, then sold them, again, paying coinbase a fee. 

Once the funds for the transactions were released into my coinbase cash account, I went to make a withdrawal of said funds ( total amount in my account is {$1800.00} ), but was told that I would need to " verify my identity '' using their supposed " 3rd party verification service '', which required even more details than were required to fund the account. I went through the steps advised, entered all of my information, including new info ( last 4 of SSN ) but each time the provider said that " verification could not be completed at this time ''. I attempted to complete this procedure over FIFTY times. I emailed coinbase over a dozen times, have direct messaged them on XXXX and yet have gotten no help ( only automated replies, or suggestions to continue changing the information I enter into their verification system, to no avail ), and my funds remain frozen. In a last ditch effort, I went to CLOSE my account, so that I would finally get MY OWN MONEY, but even trying to close an account requires this broken verification. They won't even let me close the account or withdraw my funds!!! This is a significant amount of money, that belongs to ME, and it is criminal and negligant for coinbase to deny it to me, when I have done everything within reason to verify who I am. 

It has been about 3 weeks since this debacle has started, and I am finally desparate enough for outside help ( Hence me contacting you, Consumer Finance Protection ). 

Thank you for your help
I Applied for credit at XXXX, XXXX, XXXX and XXXX XXXX. 
trying to establish credit, I have been rejected by all inquiries, stating that Ihave low score reported by TransUnion LLC Consumer Relations CenterXXXX XXXX XXXX, Pa XXXX XXXX. I am young and feel Ibeen Discriminated Based on my age and or Race, as a result of myapplying at these Companies for Credit, all I have Obtain is a lot of HardInquiries that are now having an Adverse Effect on my credit Score, just byInquiring to get Credit. The Federal Equal Credit Opportunity Act Prohibits Creditorsfrom Discriminating against credit applicants [ Provided the applicant has the capacity to enter into a binding contract. Prohibited Practices 12 CFR 1002.4 A creditor shashall not make any oral or written statement, in advertising or otherwise, to apllplications or prospective applicants, that would discourage on a prohibited basis, areasonable person from making or pursuing an application. Regards to the Creadit Scoring System, any system other than the Empirically derived andStatically Sound is a Judgmental System. I currently have to contact these companiesCompanies that I applied for Credit and ask if they can send from eachthem a Letter to TransUnion LLC Consumer Relations, requesting, if I canget these Hard Inquiries Deleted off my Report, only because I Applied forCredit. Being Young and just able to Apply for Credit, has been DiscouragingNot knowing the more I applied, that this would also hurt my Credit Reportwith these Hard Inquiries, and Obtaining still No Credit Opportunity toEstablish Credit, Now I only have Hard Inquiries on Report.
We received your complaint. Thank you.     We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.   YOUR COMPLAINT I have been battling  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX  and  XXXX  's for almost a year to no avail. They are reporting incorrectly on my credit report and it is affecting me negatively. I am highly upset and stressed because of the inaccuracies. Numerous times, I have provided proof of payments and they still have not fixed. Equifax has verified it and removed both from my credit but  XXXX  and  XXXX  still have not. Can you please assist me with this problem? I am requesting that this be removed immediately. I am providing you a copy of payments for both accounts as well as sending a copy to all the above mentioned. The next action will be to send seek legal action.   I acknowledge being late on payments following a separation which turned into a financial burden. However, I have always sent in payments even if it was small to show that I am truly trying.
midwest recovery systems placed a collection account on my credit report. Thing is my credit report is free of any outstanding accounts. For about three years. No prior communication and I do n't recognize original debtor. This account is fraudulent or trying to collect on an account that was already settled. This account needs to be removed from all credit bureaus it reported to. I do not owe anyone.
this is an ongoing thing thy keep reporting im 60 pluse days late im on a hard ship now thy want 200 pluse dollers please HELP
I have reported several items at several times to all 3 credit bureau 's but all accept Equifax has taken the actions to investigate and correct the reported fraudulent accounts. The following are the account names and amounts : XXXX XXXX : {$0.00} XXXX XXXX XXXX/XXXX : {$660.00}, {$150.00}, {$2800.00}, {$3100.00}, {$3900.00}, {$6200.00}, {$1400.00} XXXX : {$1300.00}, {$1100.00},
I have been paying my loans through XXXX XXXX  since 2015. Whenever I make a payment either through Credit/Debit, Checking/Savings Account or automatic payment ; there is a fee of 3.95 % of the payment, plus an additional {$1.00} fee for one-time or reccuring payments. None of my other student loan providers demand such fees and it seems unjust that this is required.
I filed a complaint against Select Portfolio Servicing a few months ago. As a result of this complaint SPS agreed to work with me and to allow me access to homeowner programs that they had blocked me from in the past. I have had a change in financial circumstance and am in a better position to qualify for these programs. We did as they requested and submitted a full package for review to SPS 30 days prior to our upcoming sale date. However, SPS is stating that they refuse to even look at the package because it was received less than 37 days before the scheduled sale date of XX/XX/XXXX. We feel that SPS has not been straight or forthcoming with us. We had not been given a deadline prior to the submission of the updated documents and had been told that they would work with us.

We suffered a true hardship a few years ago but have slowly rebuilt ourselves financially and have applied for help over and over with SPS.  When we finally got them to respond we were offered a repayment plan that raised our payment significantly. We dont know how they came up with these figures, or what type of financial information SPS was looking at, but there is no way that we could enter into that agreement. After months ( that dragged into years ) of attempts to get their attention we were finally able to get reviewed for assistance last summer. However, we were denied due to " not being able to create an affordable payment. '' Through repeated phone calls we found that this meant that we did not have sufficient income. We tried to get information as to exactly what type of income calculations were used and what inputs were used for this evaluation. We never received any of this information. Our property is a three-unit triplex, and we have renters in the other two units, and my husband and I live in our unit along with our XXXX grown sons. We have owned this property for 20 years. 

After the denial in XX/XX/XXXX and the failure to provide us with the income and input information we wrote SPS a letter and also contacted several regulatory agencies ( including the CFPB ). We explained that our financial circumstances had changed and that we want a new review to be conducted based our current and correct income. I am self employed in XXXX  and my business is continuing to grow. My wife has worked as a XXXX XXXX XXXX for 7 years. We receive rental income from the additional units and my XXXX adult children are starting to contribute. We have the financial means and income to afford a reasonable payment and deserve a new review. In fact, when SPS responded to us they encouraged such a review, and a new package was submitted on XX/XX/XXXX. However, their agents told us that they would not even LOOK at our package, because it was received less than 37 days before our scheduled sale date ofXX/XX/XXXX. We have been playing these games and dealing with obstruction by SPS for  far too long!
My daughter was contacted by XXXX XXXX of XXXX XXXX, XXXX claiming that she had a uncollected debt in the amount of {$1900.00}. She asked XXXX XXXX to contact me and I had a telephone conversation with him in which I asked him to email me the supporting documentation verifying the information. He emailed me a file which I can summit. The file gave no details as to the origin of the supposed debt nor any support to prove the validity of his complaint. I attempted to respond to this email but the email address is evidently invalid - [ mailto : XXXXXXXXXXXX ]. XXXX XXXX continues to phone my daughter with threats of legal action although my daughter has asked that he deal through me. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Fax : XXXX
XXXX   XXXX   XXXX  and I agreed on a loan modification for my loan and agreed on a payment of {$100.00} per month. We did a trial run of paying {$45.00} a month for a while but, in  XXXX   XXXX  we agreed on {$100.00} per month. Ever since that time, I have been paying {$100.00} a month to  XXXX   XXXX   XXXX , please see the attached payment history with shows every payment that I have made on this account since  XXXX   XXXX ,  XXXX . Unfortunately,  XXXX   XXXX   XXXX  is not reporting the payments that I have been making on this account. The payment history which they are reporting on my credit report stops on  XXXX   XXXX . They are also reporting that my account is past due and that the status of my account is Charged off. " Accountcharged off.Balloonpayment of $  XXXX   XXXX  {$26000.00} writtenoff. '' THIS IS WRONG!!!! We had a deal and I living up to my end of it but,  XXXX   XXXX   XXXX  is reporting that my account is charged off and past due ruining my credit history and my scores. The are doing this out of spite! I tried calling them so many times but, no one helps! I have been paying my account on time in accordance with the loan modification agreement. Please have the creditor update the credit reports to show my on time payment history and that the account is currently in good standing and paid as agreed. Please see attached payment history for account. They even wrote that the account is " transferred to recovery ''. THATS A LIE! The account is still with them, they receive my payments every single month.
I have not been satisfied by the lack of customer service from Statebridge Company. My home sale in XXXX, Tennessee was closed onXX/XX/2018 and both myself and XXXX XXXX of XXXX, Tennessee, requested but never received a letter from Statebridge stating my mortgage loan was Paid in Full. In addition, after nearly three months Statebridge still has not updated my credit reports to reflect this loan had all payments in good standing ; balance paid in full ; and mortgage loan account is closed. This lack of action did not happen with my other mortgage company involved in this home sale.
I am a co-executor of an Estate that maintains bank accounts at People 's United Bank. I had to make tax payments on XXXX XXXX. I am providing a letter dated XXXX/XXXX/15 sent from the account officer at Peoples which succinctly summarizes the problem that occurred. There were more than sufficient funds in the Estate money market to cover the tax payments that needed to be made. The IRS is claiming a penalty of {$4100.00} due to the dishonored payment. The Estate accountant sent a letter to the IRS explaining the situation and including a copy of the letter XXXX XXXX, People 's United customer service manager. In response, the IRS sent form XXXX 'Bank Payment Problem Identification XXXX which I forwarded to People 's for completion. They refuse to provide any assistance in this matter as it is their contention that it is not their problem, despite the letter from their officer XXXX XXXX XXXX XXXX acknowledging that it is. In light of the letter from XXXX XXXX dated XXXX XXXX, 2015, the position that Peoples has chosen to adopt is incomprehensible.
As part of the agreement betwee n Citibank and  the CFPB concerning their identitymonitor product I was issued a credit of {$170.00} to my card ending in  XXXX .  Citibank sent me a letter explaining why I am receiving the credit and the agreement with the CFPB. I requested a refund check for the credit amount which Citibank se nt to me, but when I deposited the check on  XXXX  it bounced! Very embarrassing. I was then charged a fee by my bank. I spoke t o a specialist at Citibank o n  XXXX  who promised to reinstate the credit funds of {$170.00} but up till today  XXXX  the credit has not been placed back on my account. It seems that  Citibank does not want to honor the CFPB agreement and wants to renege on the credit. I have called and spoken to customer service agents at citibank on three more occasions and they all promise to reinstate the credit but the credit is still not reinstated. It seems that Citibank may n ot be taking the CFPB seriously
I had a loan with Westlake Financial and was advised that my last loan payment in would be in XX/XX/XXXX. I was informed that I would need to pay only late fee charges and returned check fee charge to receive my title. The rep that I spoke with never gave me a date when this amount would need to be paid as it was not goin against my loan balance. For several months the company did not report this as a charge off, nor send any correspondence or make calls demanding payment I made a payment on XX/XX/XXXX in the amount of XXXX. This paid the remainder balance to get my title in full. On XX/XX/XXXX I received a credit notification stating that Westlake Financial reported my account as a charge off with a balance of XXXX. This was reported after my account was paid in full. Not sure how this is possible when it was never reported prior to making my payment. Therefore I am launching a formal complaint and investigation.
Real Time Resolution documents have multiple non corresponding dates to transaction history record. 
Real Time has not confirmed how lien remains on property with debt appearing to be paid based on transaction history I have requested copies of all draws on account by wire, check, cash advance or by credit card. 
Real Time documents are dated XXXX and signed by XXXX XXXX XXXX when transaction allegedly took place in XXXX or XXXX based on documents provided. By both parties Deceptive, misleading, inaccurate balance to name a few
Unable to pay debt, it continues to grow with interest. ( Over $ 90k ) Im being sued ( judgements ) Ive had my wages garnished and bank account completely cleared out multiple times while I try to work with them. Dont understand, feel like I cant make breathing room or get this in some sort of control. The debt is through XXXX XXXX XXXX.
Several months ago I fell behind one payment on my mortgage with CCO. I made a payment arrangement to divide that payment up into 6 payments due at the end of the month, instead of the beginning. For the last 4 months I have been paying as agreed and even paying a late fee monthly for the missing month 's balance, while they continue to report me delinquent to the credit bureaus. On XXXX/XXXX/2015 I found out from my insurance company that due to changes I had made to my policy many months ago, my insurance dropped significantly. The overage had been returned CCO Mortgage months ago. I contacted CCO to verify this, and the told me my escrow account now had a surplus. I am upset because the company refuses to release that money to me so that I can apply it to the my negative balance, and they refuse to apply it to the negative balance themselves. Instead they are requiring me to pay off my balance before they will apply the excess funds in the account to my loan. I believe this is an unfair practice because if I had no balance they would return the money to me. I understand CCO not wanting to release the money to me, but not why they refuse to apply it towards my loan. This is simply a way for them to continue profiting from the late fees they are charging. If they were to apply the surplus to my negative balance, not only would I no longer be delinquent, I would still have a surplus. This is also affecting my credit, as they continue to report me to the credit bureaus as late every month until that one month I was late is paid in full, even though I have been paying my payments as agreed in the payment arrangement.
On XX/XX/XXXX, I co-signed for my daughter to get additional money for school. When I co-signed on loan I asked once she graduated could I be taken off the loan. I was informed my daughter had to make payments on the loan for a year after she graduated but I was also still responsible for the loan. On XX/XX/XXXX, my daughter applied to have me taken off the loan. It had been over a year since she is paying on the loan. On XX/XX/XXXX, I received an email regarding the outcome of the approval of removing me from the loan, and it was denied. I called XXXX XXXX today to find out why the application was denied and was informed because my daughter put her loan in forbearance and wish I was not aware of since I am the co-signer. XXXX XXXX customer representative tells me I had to wait until XXXX to reapply and be removed from the loan. XXXX XXXX loan has been paid on time since XXXX when the loan was approved, and my daughter has paid the loan on the till date. XXXX XXXX contract states as a co-signer I am responsible for the loan if my daughter can not pay it. However, they did not inform me the loan was going in forbearance which would give me the opportunity to see if it was going to hinder anything. However, XXXX XXXX put the loan in forbearance and want to hold me on the loan for another year. Also, when I look at the payments, the forbearance was paid o XX/XX/XXXX, and I applied to be removed from the loan on XX/XX/XXXX.
I have disputed and am still disputing this late pay with Wells Fargo. Until Today, I was unable to find all the proof I needed. Now I have it ... This late pay Wells Fargo Keeps Reporting needs to be removed from my credit report. It is a 30 day late payment from almost 2 years ago. That is how long I have been asking them to remove it. I had to search old emails to find this. On the attached email, you will find the WF representative who assisted me, as well as the the TAX office person who assisted me. This WF representative was very helpful, in submitting this error to the credit department for removal. However it still has not been removed. What happened..Due to a tax exemption, WF was overcharging me. They eventually straighten it out and even sent me money, however they somehow charged me a 30 day late in the process. During this, I was told I did not have a payment and cancelled a check. WF is saying this is returned check, which is not true, as the money was already in escrow. Im asking WF to do the simple and right thing, and remove this one late pay as they promised. Please talk to the WF rep. She was very helpful and promised to assist me in getting it off my credit report. She stated it was being handled, before she changed departments and that it was submitted already for removal.
I have already submitted a dispute through XXXX and XXXX. The debt has not been removed from the XXXX report, but has been removed from XXXX.