WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX of XXXX I was desperate to purchase a vehicle as I was starting a new job in a couple days and needed a car when I contacted XXXX XXXX from XXXX XXXX XXXX XXXX. I called and asked him cars with price up to {$4000.00}. XXXX XXXX called me back and told me he had a car for sale with a reduced price of {$4000.00} ( original price {$4600.00} ). I went to the dealer and after several hours back and forward about price and financial options, he said I only qualified for a loan if I paid {$2000.00}. He told me he had to raise the price of the car in order to qualify me to obtain a loan. The price of the car jumped from {$4000.00} to {$5900.00} plus {$690.00} dealer fee. I gave a {$2000.00} down payment ( as mandatory to obtain the loan ) being {$1000.00} with a master card I had to borrow from my girlfriend and a post dated check for {$1000.00} ( to be cashed in 30 days ). Even after the {$2000.00} down payment, the amount financed ended up being {$5600.00} with a 27.99 % interest with American Credit Acceptance LLC totaling {$12000.00} for a {$4000.00} car. I have their adds from their website showing the exactly car for sale for {$4600.00}, which proves their inflated the price. This deal demonstrated the predatory sales tactics from XXXX XXXX XXXX XXXX by inflating the price of the car, adding junk fees knowing my desperation for a vehicle and put me in a finance loan with an illegal interest rate as in the State of Florida the maximum interest rate is 18 % in loans up to {$500000.00}. After being there for six hours, I was so exhausted that I ended up signing everything they asked me as all I wanted was to be done and go home. 
The interest in my loan is 27.99 %. XXXX The XXXX Florida Statutes : " Usurious contracts '' defined. -- ( 1 ) All contracts for the payment of interest upon any loan, advance of money, line of credit, or forbearance to enforce the collection of any debt, or upon any obligation whatever, at a higher rate of interest than the equivalent of 18 percent per annum simple interest are hereby declared usurious. However, if such loan, advance of money, line of credit, forbearance to enforce the collection of a debt, or obligation exceeds {$500000.00} in amount or value, then no contract to pay interest thereon is usurious unless the rate of interest exceeds the rate prescribed in s. XXXX. 
( 2 ) As amended by chapter XXXX, Laws of Florida, chapter XXXX, Laws of Florida, which amended subsection ( 1 ) : ( a ) Shall apply only to loans, advances of credit, or lines of credit made on or subsequent to XXXX XXXX, XXXX, and to loans, advances of credit, or lines of credit made prior to that date if the lender has the legal right to require full payment or to adjust or modify the interest rate, by renewal, assumption, reaffirmation, contract, or otherwise ; and ( b ) Shall not be construed as diminishing the force and effect of any laws applying to loans, advances of credit, or lines of credit, other than to those mentioned in paragraph ( a ), completed prior to XXXX XXXX, XXXX.
I would like to file a REPORT OR CLAIM, with : CHEX SYSTEMS. 
I ask them to tell me WHAT, THE ''LEIN '' was, & for what? They ask me to file ANOTHER FRAUD request. Despite me ASKING them to give me FROM WHOM & WHAT WAS THIS ABOUT ... ( NOT ONCE BUT XXXX NOW ) ; CHEX SYSTEMS DID ''NOT '' TELL ME WHAT THIS IS ABOUT? I do n't know what this is. They gave me a score of XXXX ... & I was DENIED to be added onto my wife 's Savings Account, for ''XXXX '', last month. 
IF THIS WAS ABOUT .... ( THE PARKING FEE FROM : XXXX XXXX, ... .THAT WAS MOVED TO : SMALL CLAIMS COURT ... ( CASE # : XXXX ), THAT WAS FILED BY : XXXX XXXX. XXXX XXXX ... ( XXXX XXXX POLICEMAN ) ... .CFPB ... 
Case number : XXXX ... ... ( BELOW ), RESPONSE FROM : XXXX. 
StatusCompany responded .... ( BLEOW ) : XXXX, XXXX .... ( XXXX, XXXX, XXXX XXXX ) said : Explanation of closureThank you for submitting your complaint on XXXX XXXX, 2015, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 

We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate you moved out of country and stayed there for almost 5 years and never used your credit during that time. You further indicate that when you arrived back to the states you tried to get bank loans and were surprised to find out you were being turned down for credit. You are disputing XXXX collection account that is for a cell phone. You state that is inaccurate as you were out of the country at the time the cell phone was purchased. You further state you paid it off anyway because they told you the email address they had was for your daughter. You also indicate there is a judgment on your report for a car that your daughter was using. You state you instructed her to pick the car up and she told you she did. Then you received a call to find out the car was abandoned at the airport. You told them to auction the car and pay off the balance and parking fees. You are requesting that the XXXX disputed items be removed from your report. You also state you have many addresses, names and SSN 's on your report but you did not specify which ones it is that you are disputing. 
The first collection item you mentioned did not appear on your current credit report. At your request to conduct an investigation, we contacted the public record vendor to verify the accuracy of the information with which you disagree. They responded and verified the disputed information was accurate as reported, however the judgment was changed from a civil claim to a " small claim ''. The result summary was sent to you for review on XXXX XXXX, 2015. If you have any additional supporting new documentation regarding the disputed information, you may forward that to XXXX for further review.
i obtained a title loan from XXXX for XXXX for 36 months. i paid it off in 12 months over XXXX  on fees interest charges.. my credit report shows 4 missed payments due to bounced checks from an XXXX XXXX bank account that does not belong to me. 
my loan should show paid in full and in good standing. the credit bureaus have been advised, ftc and also a police report to show un authorized charges from a checking account that is not mine. XXXX  is reporting unfairly.
Between XXXX XXXX and XXXX XXXX, I received several phone calls from a CRA agent named XXXX, who consistently left messages in a threatening tone ( " You must respond by XXXX time or further legal action/litigation will be taken '' ). This was in reference to a {$180.00} medical debt. When I finally spoke with the agent by telephone after XXXX last threatening voice message, he made abusive comments and refused to respond to my written debt validation request. He referred to it as a " meaningless stalling tactic '', accused me of lying and skirting my responsibility for the debt. When I mentioned getting my attorney involved, the collection agent snapped that he had marked the account as a " refusal to pay '' and hung up the phone on me.
I attempted to get my free credit report from XXXX and I am unable to verify my identity, due to my name and social security number being attached to somebody else 's address and birthdate.
Ocwen Loan Servicing, LLC is misreporting information on my credit reports. I disputed this misreporting to the credit bureaus however, Ocwen purportedly validated the account information. Specifically, Ocwen is reporting two mortgage loans with one account number ( XXXX ) on my credit reports ; one account is reporting 91-120 days past due and one account is reporting 120 days past due. I have never had two accounts with Ocwen Loan Servicing and believe this is misreporting is a direct result of their unreliable systems and fraudulent practices that were substantiated in the lawsuit filed by the CFPB. 
This misreporting is has negatively impacted my credit and is a direct violation of the FCRA.
I HAVE NO KNOWLEDGE OF THIS COMPANY AND WANT THEM OFF MY CREDIT REPORT .I HAVE NO LEGAL CONTRACT WITH THIS COMPANY AND I WOULD LIKE THEM REMOVED FROM ALL MY REPORTS.I AM A THIRD SO I 'M THINKING THIS ACCOUNT HAS BEEN PLACED ON MY ACCOUNT IN ERROR BECAUSE MY BROTHER RECALL HAVING A XXXX ACCOUNT WHOM HAVE SAME NAME.
I have a XXXX credit card, which appears to be managed by a company called Comenity. I was unaware that I had a {$10.00} balance on the card, I had paid for my previous purchase with a gift card and coupons associated with being a card holder, the XXXX website does not apply credits upon checkout in a way that makes it possible to see what the balance will be after processing. I was never sent a payment request or balance notification and was then charged a late fee of {$11.00} ( more than the principal balance owed ). I contacted the company that manages the card and they refused to reverse the fee after I complained that I was never notified that a balance was due.
Upon graduation, I was unaware that my prior loan would not have a 6 month grace period. I received a 90 day late on my credit report and realized something was wrong. When I contacted XXXX, they offered me forbearance. I asked them about the late to my credit report and they said that I could provide my forbearance letter to the credit bureaus to have the late removed. To date, they have refused to provide me with a letter that states that my loan was in forbearance. They sent a flimsy email that I sent to the credit bureaus that did not change anything because the email is not an official letter stating that I was granted forbearance. Their actions have dropped my credit score by 60 points. Furthermore, they convinced me to sign up for paperless billing but do not tell students that in the event there is a problem with the account they will not call or write you. The email I signed up with years ago was hacked. I no longer had access to the email which means I did not have access to their noticing. This is unfair. It allows them to keep consumers uninformed and make statements like " the fine print in your contract says ... or we don't have to contact you because you're in paperless billing. '' It also allows them to get away with collecting additional interest and keep students in the dark. It's really unacceptable. I am repaying my student loan now but the damage to my credit has caused additional financial hardships which do not allow me to pay more on my student loans. XXXX doesn't seem to care about this because the longer it takes me to pay the more interest they can collect and the only way they can prevent people from paying is to damage them financially ( credit ).
I went to review my credit report, only to discover that there was a collection account on my credit report. I have never receive any communication from them, whether in writing or a phone call. I truly protest this level fraud by putting this on my credit before contacting me as I have been at the address for years.
First .... I couldn't go past the last section without stating a reason but my reason wasn't included in the list. Thus my explanation. I realize I have a debt with XXXXXXXX XXXX. I realize that debt has been sold to or is being administered by JH Portfolio Debt Equities , LLC. 
I've called XXXXXXXX XXXX to see who it is that I PAY to settle this collection account and they refer me to JH Portfolio Debt Equities. 

My complaint is with JH Portfolio Debt Equities. I've called the number provided on a letter from them in response to my request to pay the debt several times. I get NO return phone calls. I don't want to enter their XXXX program where you buy certain items from XXXX and other businesses and a percentage of your expenditures are applied to your debt, I want to pay off my debt. I've called on XX/XX/2018 at XXXX EST where I was machine directed to leave a voice message. I did so, stating that I wanted to pay off my debt directly. No return phone call. I called back on XX/XX/2018 at XXXX EST left the same message and to date, with the writing of this complaint, haven't heard from the company. 

I then went to the website on XX/XX/2018 and filled out their web contact form. below is a series of e-mail responses between myself and an XXXX where I have again asked how do I pay off the debt and still haven't been given an answer. 

1. XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX to me, clientservices Good Morning, Please give our office a call between XXXX - XXXX CST Monday - Friday at XXXX to discuss any account you may have with us in further detail. Our client services department will be happy to assist you.

2. XXXX XXXX XX/XX/2018, XXXX XXXX I've called several times and was only able to leave messages, and no one has returned my calls 3. XXXX XXXX XX/XX/2018, XXXX XXXX Please provide a telephone number for us to reach you at to discuss any account you may have with us in further detail. Our client services department will be happy to assist you.

4. XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX 5. to XXXX With all the back and forth, why can't you just supply a link where I can pay. I received a phone call ( I am an hour ahead of you ) at just the moment when I was indisposed and they left a call back number to the same number where I've left 3 messages already. This is really simple.

I want to pay you ... I need a link online whereby I can pay, or an address whereby I can mail and get a receipt .... why can't you just supply me with the needed link to pay?!?!?!

After the last email, I've heard nothing, no return phone call, no link to pay, no mechanism to pay and so this debt still lingers when I've done all I can to pay. The JH Portfolio company says they don't accept payments, so I've been hesitant to mail a money order to their address in XXXX, MO. How best should I proceed in my attempts to pay XXXX?
My name is XXXX XXXX my husband XXXX XXXX financed a car through Exeter Finance XXXX/XXXX/XXXX Account # XXXX. He was XXXX XXXX/XXXX/XXXX and received 10 year XXXX. I contacted them and explained situation was not at anytime told there was any issues of this and have made payments Exeter Finance took payments without hesitation. I received divorce XXXX/XXXX/XXXX and was awarded car in divorce I made them aware of this sent proper paperwork with included final decree and proof of his XXXX and requested paperwork change as well as full payment history that I would be refinancing with different lander and was told this would be taken care of. After months of this not being taken care of had contacted them numerous times requesting to talk to manager in which was told there was not one available and would receive call baxk which never occurred. I spoke with them few weeks ago and was told they would not be taking care of this and that contract was with XXXX and was being taken off call list.
I recently had a debt removed from my credit report. It was removed but also put back on. I did not receive a notice from the company that is was going back on my credit report.
I have had my mortgage since XX/XX/XXXX and have made timely payments for the past XXXX years. I refinance in XX/XX/XXXX and the mortgage company messed up my FHA account number. They did not close the old account number out and were sending my escrow payments to the old FHA case number. They sent me a mortgage increase statement at the beginning of the year showing an escrow shortage of over {$5000.00}. I 've been working with the mortgage company to correct this issue for XXXX months. They figured out the escrow account problem but then stated that my MPI payments were never made during the transition from the old mortgage company to the new XXXX. Now their stating that I have an $ 800+ shortage. I received a reimbursement check approximately XXXX years ago for about {$300.00}. I explained that if I should n't have recieved that check I would be happy to repay the {$300.00}. but they can not seem to figure out why I have this shortage of over {$800.00} from my missing MPI payments. I have never short payed my mortgage, nor have I ever been late on paying. I feel that there is some illegal actions occuring and want my mortgage and the mortgage company investigated.
Good morning. This is the 5th time I have written. No solution is in site. Bank of the West seems to talk out of both sides of their mouth. They tell " half '' the story when responding and believe that it will resolve the complaint against them and their wrongdoings. 

The bank ca n't have it both ways -- ignore the relevant facts and only point to the facts they feel should be looked at and support their way of thinking. 

Please let me explain -- One -- BOW refused to renew my 10 year loan based on a credit score that was below their threshold for renewal -- true. But again, that is a " half truth. '' They are the ones that caused the lates on my credit report that reduced the score. In other words, they unilaterally created / lowered my credit score for which they ultimately used against me to not renew. How can that be right / legal? 

Two -- For almost a year and a half, I have noted this problem as a note to my monthly payment. ( see attachment herein ) Every month, without word, Bank of the West cashed this check. They claim that there is a paragraph in our note saying they can ignore any written language on a note - true. But again, that is a " half truth. '' There is language, but it is not legal language nor is it enforceable language. 

If they do n't agree, they should n't cash the check. But they have, since the beginning of last year. This is not an isolated incident, but an ongoing habit of theirs. 

There is no known law that says they can proceed as they have. It is just " bully '' language by the lender. 

Bank of the West wants it both ways. That is not right. Please help me to hold them accountable to what is right and the law. Thank you.
I have a XXXX prepaid credit card. I can only spend money that is available on the card. 
Although the balance on my card was XXXX - American express approved a payment of approximately XXXX $ making a negative balance on the card and are now forcing me to pay the balance. 
American Express can not explain how a charge of apporximately XXXX $ was approved on a prepaid card which had XXXX balance for over a year.
I have been a member of Sears Card/Citigroup in good standing since XX/XX/XXXX. When my card expired in XX/XX/XXXX, and I didn't receive my replacement card, I called ( XXXX ) XXXX and was told my account had been reviewed and closed due to non-response of a letter Sears Card had mailed. I have lived at my address since XX/XX/XXXX. I may have been a victim of mail theft, but regardless, Sears Card never emailed or phone me about such a letter. They have this information as it appears online on my account. They simply terminated my 17-year history. I followed all of their rules, paid on time and this is my reward. I believe this is unfair and an unjustified reason to close my account and negatively affect my credit score. I would appreciate your investigation to restore my account and credit history with this company.
We believe LoanCare is not calculating our monthly payments correctly and are overcharging us. They are overcharging for insurance costs. They also have our escrow monthly payment amount at {$520.00}! In addition to property taxes, they are charging us some fee called " Other Taxes ''. We are unable to determine what this is. We have made numerous attempts to contact this company via phone and email. We have never reached a person via telephone ; we have been on hold, more than once, for over 45 minutes in a loop that says all customers service agents are busy. We then sent an email, which, when finally answered ( email was sent on XX/XX/XXXX and the company responded on XX/XX/XXXX ), was a request for us to FAX our statements in ( I am attaching the aforementioned email ). This does n't make sense to us as they can see our account details and all the respective statements, costs and fees. Once again, the company not doing their due diligence in servicing our loan. Our original loan was sold to this company and thus far we are very frustrated.
Loandepot has repeatedly used " robo-calling '' and deceptive tactics to collect a debt. They continuously attempted to deceive through various recorded phone messages left on my cell phone, after they had asked and were denied the right to automated call or text my cell phone.
LVNV FUNDING LLC HAS VIOLATED ALL MY RIGHTS. THEY CONSTANTLY CALL AND REFUSE TO REMOVE ANYTHING FROM MY CREDIT REPORT AFTER I DISPUTED THE CHARGES. THEY ARE A THIRD PARTY COLLECTION AGENCY. 
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers with my actual signature of such debt and not a computer printout. In that same letter, I also included my XXXX and XXXX instructions. This is not my debt or it is a fraudulent account and it is not my account. 

After verifiable delivery of my XXXX and XXXX XXXX XXXX by Silence letter XXXX via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense when I bring your company in front of a judge. 

Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : And I do mean all XXXX request not some. 

Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature ( Not a Computer Printout ) -License proof to collect debts in my state And a copy of my NYS Photo ID which is required to open this type of account
Freeman fiance XXXX collection agency XXXX from XXXX not XXXX incorrect reporting info and balance on my report for years!! 
Keep reporting info that was settled XXXX loan was paid off XXXX dollars the XXXX loan is obsolete due to the collection rep from freeman came to my home to collect payment after I went to the office to pay on time by check for {$50.00} dollars but was refused!! 

The other case was XXXX ... third party pymt co in XXXX ga XXXX XXXX I bought a XXXX XXXX XXXX paid it off then they called me for a trade but the location was at a different location small, house XXXX XXXX males I went to the main lot lack of trust another salesman found me a XXXX XXXX truck after I signed for it the paperwork was diff from what I got in the mail XXXX on the truck pymt were higher XXXX mo plus the truck had mechanical issues the rep said the parts are rusted in site at that point XXXX REFUSED TO GIVE ME BACK MY XXXX ... this was not only a violation by theft and misleading but a Robbery!
I am a victim of identity theft. Several years ago someone broke into my office and stole several identity documents. I filed a report with the building when it happened and filed a police report after I found that my documents were being used to open accounts in my name. I found that leases in different states were opened in my name with utility accounts, cable accounts and phone accounts also opened. I've attached a copy of the police report and copies of letters sent from apartment complexes that executed leases in my name that I had to dispute, along with letters from other banks that opened accounts in my name and found that it was not me that opened them.
No matter what web site I go to I can not get a credit report or my XXXX scores