WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX at XXXX XXXX C.S.T. I spoke with an attorney for Cash Central from phone number XXXX. At that time, the attorney wanted to get the jist of my complaint to the Consumer Financial Protection Bureau. I advised the attorney that I did not recall the loan and that I had a live in fraud alert on my credit bureau because my former live in boyfriend had stolen my identify ( which I did not find out until months later ). I did not get to take advantage of these funds and after being threatened repeatedly with jail and repossession of my vehicle by their collectors I  paid the bill out of fear. 

Subsequently, the attorney under both the American Bar Association Regulations and Federal Statutes has a duty and an obligation to review the complaint. According to 15 U.S.C. 1681c-1 ( h ) ( 1 ) ( B ). & FCRA 605A ( h ) ( 1 ) ( B ) Potential creditors must use reasonable policies and procedures to verify the identity of an applicant before issuing credit in the consumers name. 

In reviewing the loan documents Cash Central referred over there was no proof of identity provided. No copy of my original signature or drivers license that would be the very least reasonable procedure instituted and is industry standard when faced with any consumer transaction, especially those involving identity theft. 

I have made attempts to resolve this with the company that at this point is destroying my credit and causing me to incur damages as a result of their refusal to comply with state and federal laws. I kindly request that the following item be deleted from my credit report as it is not mine. If Cash Central continues to blatantly violate the law, I will be forced to seek civil damages and injunctive relief. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : CASH CENTRALXXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, UT XXXX
My father incurred medical bills due to a XXXX. We have the same name. He is XXXX and I am XXXX. The collection agency keeps sending me the bills
I currently have 2 personal loans against my XXXX retirement account. The earliest of the 2 was initiated in XXXX and the second was XX/XX/XXXX. Since the loan dispersement dates I have always paid back my monthly payments in weekly increments and have always exceeded the minimum payments and at times have been paid a month or two in advance. For example the minimum payment amount for the larger loan is {$440.00} and I paid {$120.00} weekly. Today I noticed in my personal bank account two debits from TIAA in the amounts of {$440.00} and {$200.00}. I called and according to their website i made 4 payments of {$120.00} for the {$440.00} due XXXX and they however applied it as " extra '' interest and principal but still I owed the XXXX payment and dectucted it from my account. 
I spoke with 2 TIAA representatives they both states that the process by which payments are received and applied changed in XX/XX/XXXX and therefore any payment smaller then the minimum would not be applied towards a minimum payment balance. They did not notify customers of this change and I was notified my loans would be in default if I did not pay an additional {$580.00} before XX/XX/XXXX. Even though more then the minimums on the loans were paid they didn't count to meet the minimum payment amount. Even though i paid {$1500.00} for 2 minimum payments of {$440.00} ( total due was {$890.00} ) I was told it didn't count because of their internal change in process and I needed to come up with an additional {$580.00} to avoid default and that i was currently delinquent. 
This company sends me messages both on their internal website and my personal email of all my weekly payments confirming receipt and they have been processes. I have no notification that there was a process change and that I still had a minimum balance due or that my loans were in jeopardy. The Company states that it needed to make process changes to be in compliance with the loan agreements signed by myself. I have no problem with practice changes but feel a notification should have been given to their customers effected. I have been making my payments in this manner for years and have always been on time or early.
Kenosian & Miele LLP has been harassing me and my mother for months now. They 're trying to collect on a fraudulent debt that I did n't create. I 've sent letters to this company explaining the situation and sent the necessary proof. They 're still calling me at work and my mother even after she told them to stop calling her. They said I would go to jail if I did n't pay this debt. I refuse to pay a debt that I did n't apply for, sign for, or create. This company should be fined {$1000.00} for each time they harassed me.
On XXXX/XXXX/2014, I paid a company called XXXX {$1800.00} and on XXXX/XXXX/14 I also paid XXXX {$4900.00} using my Wellsfargo debit card. 
The issue here is that I have been victimized by XXXX and XXXX along with several other companies and their blatant misrepresentations. The fact is that we did not receive what we were guaranteed I received a vague contract and were left to rely on the representative 's integrity. I told the sales person repeatedly that I did n't think we could do this and I were promised repeatedly that they would generate leads and get our business started ; I paid and trusted them only to be left stranded. This is a scam! The " XXXX '' was sold as a " business opportunity ''. I tried several times to get our money back and literally begged ; instead I received different sales people and a new sales pitch. I never received the services that were described at the time of purchase. I have looked into this company since then and found out that they have multiple complaints with the XXXX that sound exactly like our situation. This company has a long record of lying and taking advantage of people just like they did to us. 
Neither company has refunded our money. I contacted the merchant directly to no avail. These are NOT billing disputes. This is a matter of not receiving the products and services that were described to me at the time of purchase. Please have the bank investigate these charges so I can get my money back asap. 
THANK YOUXXXX XXXX
I believe this is a problem for all consumers who request their " free '' credit report. Upon being directed to www.annualcreditreport.com to get my free report I was successful with XXXX and XXXX. However Equifax required that I print and complete a request form. ( # 1 What if I do n't have a printer or luxury of such? ) I did print the form and upon reading the instructions I was astonished to see that a company such as Equifax who promotes Identity Theft services, was requiring that I send a copy of my license, pay stub, XXXX etc to prove my identity in the mail to a PO Box ! I then reached out to them and was told " no you can go online. '' Once again I tried by going to Equifax web site where I was again directed to annualcreditreport.com and again was required to print the form and send my private docs. There must be a better and safer way! 

# 2. In addition I am seeing that any borrower who went thru hard times in the meltdown and who tried to save their homes or did the best they could but ended up settling a CC or other debt are being enslaved by FICO scoring models and rules for how long a debt stays on the report as " LATE ''! As an example someone who paid their debts off in say XX/XX/XXXX-XX/XX/XXXX are still showing up as late on the reports thereby suppressing their scores and having to pay hefty fees for a rate. This is wrong and should be examined since the CFPB is in biz of protecting consumers from mortgage crooks. Why not look at the credit bureaus?
I have successfully contact the debt collector to arrange my file but i was told that they could not provide me with the information. i was asking to find out what is it that they are charging me for ( invoices, letter, etc ). They did not provide the information for my inquiry.
Reference complaint XXXX I have received the creditors response in reference to my complaint. The creditors response is not accurate. Also, the document that was attached to the response can not be opened unless it is opened with a password. I do not have a password and the agent representative I contacted at CFPB today was not able to open it as well. Please provide documentations that can be accessible to everyone. I am requesting to see information MG Credit claimed to have sent me as validation. On XX/XX/XXXX at XXXX MG Credit received the certified letter that I have attached requesting validation of the debt. As a consumer I have requested proof/contract with my signature that binding me to this debt. I requested several proofs for validity and in writing. I requested the information to be sent via mail within 30 days. Nothing was received. Speaking with a representative from the MG Credit in XX/XX/XXXX I was not going to provide information to someone over the phone that I did not know whom I was speaking to. I requested MG Credit to send me proof of who they were and the account that I had with them. The letter was sent a few days later. I contacted MG Credit to discuss the account further. I sent the certified letter to cease contact and provide validity. I requested the following for validation. If MG Credit can not provide me with validation I am requested this collections account be removed from all three credit bureaus immediately. 

At this time I am asking CFPB to investigate this company and violation of 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I have rights as a consumer to know if this creditor has anyone proof of this account. Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary.
REPORTING STUDENT LOAN WHILE OF DEFERRMENT DUE TO MILIRARY SERVICE
After paying closer attention to my account, I have noticed Overdraft fees in this year alone, over {$200.00}. These fees are {$34.00} and sometimes added to an NSF fee. The NSF fee I am aware of what causes me to incur and so if I am able to, I know how to avoid them. However, the Overdraft Fee was never explained to me. I was originally a XXXX customer, which was bought by Citi, so that could be why- but I know that the Overdraft fee was never explained to me. When looking at my account, there have been instances when I was not negative at the end of the day, but still incurred the fee. When I have called to question it, I have been given different explanations. After receiving 3 back to back, I called again about 2 weeks ago and spoke with XXXX in Retail Banking. When I asked him why I was never explained about the Overdraft fees, he said the bank would not explain t to a new customer- only if the customer asks about it. In the past I have had a few NSF or OD fees reversed as courtesy or because the bank ATM wasn't working etc. However, I am upset that the OD fees have never been clearly explained.
I filed a complaint with you in XXXX against bsi financial.i have a letter stating they corrected the informations and corrected my mortgage payment. I paid per the letter XXXX for XXXX as I have an adjustable rate which changes in septemer the letter that was sent to you to correct the problem seams as if it was just to correct the problem of the mortage payment for XXXX month. I just received a statement showing I know owe XXXX per month.it seams to me they are looking to make me default on the loan .I cant understand why this has changed .this is a company that is very deceptiver ceptive with the practices on my mortgage. I am tired of trying to be taken adva antage of .I will continue to file complaints with you .as you do get results from this company. you can not just call and try to resolve anything with their custom er service..this is such a unprofessional co to deal with.how could they owe me XXXX check # XXXX and then up my payment XXXX $ per month.this com pany should not be in business. 
service.
I contacted customer service for my mortgage co. on about XX/XX/2018. I had received an escrow analysis, which showed my account in the black ''. I asked the agent if I could pay extra escrow in order to maintain my same monthly payment. I had done this same transaction on my escrow account two years before ( to keep my payment at the same amount as previous year ). However, the agent said I could not contribute to my escrow and my payment would be going up XX/XX/2018. So, I told the agent that if over this year I contribute extra to my escrow in order for next years ' escrow analysis to show I have enough to cover any increase in tax or insurance. The agent said that no matter what I did to my escrow account, if tax or insurance increase each year, your payment will increase each year. I asked the agent if I had {$400.00} surplus in my escrow and my payment was to increase {$20.00} per month, my escrow would more than cover the increase even by keeping my monthly payment the same. to me this does not make sense. I want to keep my payment the same, as I am retired and on a fixed income. If I have some extra money during the year and what to put it in to extra escrow, so that my payment will remain the same ... .what is wrong with that?
I have had a XXXX card for 25 years and have always paid my account in full and on time. In XXXX XXXX 2017 I  became the court-appointed conservator for my father who is currently XXXX years old and has no income other than Social Security. Two years ago XXXX sent him an offer for an unsecured personal loan for {$35000.00} which he took. He sent the money to XXXX XXXX because he was involved in a gold scam. On XX/XX/XXXX I received a notice from Discover ( see attached ) suspending my charging privileges because of an unpaid personal loan. I NEVER took out, signed for or received money from XXXX XXXX XXXX. XXXX, according to Transunion, has decreased my credit score from XXXX to XXXX ( see attached ). I feel XXXX was negligent in offering an XXXX-year-old an unsecured loan.
My son has a student loan through CITI. We cosigned loans with him. After struggling to make payments he worked out a solution with CITI and has been making the agreed to payments. The lat payment was XX/XX/XXXX. Currently, there is no delinquency on this agreed to schedule. 
XXXX XXXX XXXX alleges to be a collection firm for CITI and is trying to collect on the debt that our son is already paying. In effect they are trying to collect twice on the same debt. We are not a party to the agreement between CITI and our son. Further, I suspect that XXXX XXXX XXXX is merely a reorganization of a company that has been listed on the FTC site as no longer able to operate as a debt collection service.
I Open and Account With Chase and Chase Close My Checking Account Without My Permission and Said to me no New Account Cant Be Open Please Help me with this Problem. i did not do anything wrong and Chase closed my account XX/XX/2018 Account Number : XXXX for no Reason please help me with this problem i dont know why chase closed my account without my permission please help me with this problem.
Ocwen mismanaged our loan documents. When we went to sell our house, they could not find a lien for 3 Months. This caused us to be homeless and had to live with no income for over 3 months. We have had issues caused by the delay. We have lost a years income and have suffered tremendously since this issue began. The loss we have is tragic, but they have also left us with an unsecured attachment to a loan that is for {$24000.00} Anyone that wanted to lay claim to me for that amount could. I have no home as an asset, yet I could owe someone at any time. Because my lien was not properly entered into their system I was left holding a loan on my credit. They were responsible for getting the financial documents processed correctly. They have the ability to hold up someone 's life by their actions. This claim needs to be resolved. I do not believe I should have been treated this way by this company.
I applied for a loan that I was approved for on the spot. I was told to sign and was not given any time to read over the paper work, that was several pages long. I was given money and when it came time to pay it was an amount considerably higher than what I borrowed, when I called to work it out with  XXXX   XXXX  they told me I signed so I have to pay.
On XX/XX/XXXX I sent a dispute to XXXX XXXX at XXXX. Clearly indicating that I was disputing information that I had not disputed in the past. As of XX/XX/XXXX I have received no response and the incorrect information is still on my credit reports. 

There is a 30 day late payment showing on my XXXX Credit Report for XX/XX/XXXX, and a 60 day late payment showing on my XXXX Credit Report for XX/XX/XXXX. So according the my credit report if I was 60 days late in XX/XX/XXXX then the date of first default would be XX/XX/XXXX. 

I was not late in XX/XX/XXXX and I sent XXXXXXXX XXXX my dispute including copies of canceled checks showing my payments from XX/XX/XXXX - XX/XX/XXXX. The account was paid in full in XX/XX/XXXX.
Chase bank was contacted on XX/XX/2018 about 3 unauthorized purchases. They " researched '' the charges and then decided they didn't have to honor the card holder agreement. The purchases were not authorized and not made by me and the card was not in my possession at the time of the charges. I am not liable for them per my card holder agreement. They need to honor the card holder agreement. 
Contacting FDIC, AZ state board at this time and county attorney 's office in the future.
After reviewing my credit report dated  X/XX/2017    and   XXXX     I noticed that  Capital One w as reporting information incorrectly. On   XXXX   XXXX    Capital o  ne  reported that my pass due amount was {$160.00} as of   XXXX   XXXX     and on   XXXX   XXXX   they reported as passed due {$190.00} as of   XXXX   XXXX    . This is less than  XXXX  hours. They also stated on both reports that there was no recent payment which was incorrect. This shows th at Cap  ital One ha s falsely reported information to the bureaus concerning my account. Since this is falsely reported I request that this account be removed from all credit reporting agency in violation of the FCRA by misrepresenting the amount owed or due. This also violates SC Law section  37-20-110. I have attached copies of recent payments made to Capital One and the reports that were received.
XXXX major credit cards were accessed over the past year, XXXX were checking accounts, XXXX did not notify me and I do not routinely check activity as I have a specific purpose for that XXXX card. My checking account needed to change along with several bill payment methods. Theft of my identity was being used over XXXX miles away.
My mortgage was sold 6 times in 6 years. I was supposed to be conventional fixed, but was turned into ARM without my consent, I made a complaint already with you against XXXX mortgage companies. XXXX and Ocwen. Both are on credit scores and are incorrect. Briefly again, XXXX lied to me asked if I could make a payment of {$4000.00} XX/XX/2008. I was told this was to be applied to principal, was not applied to anything, this was my life savings, had hardship with them regarding their lie. XXXX tried to modify without remorse, but firstly, my first mortgage was {$1200.00} w XXXX, sold to XXXX went up to {$1700.00}, I complained, then it went to {$2100.00}. I complained again, they said this is last time at {$1500.00}. Afterwards, sold immediately to AHMS American Home Mortgage Services, all this time I never received welcome packets or payment stubs from any mortgage company. At XXXX time, I had no idea who was my mortgage company. XXXX, was an extreme hardship. I tried to modify several times, to no avail, I have recording of conversations, they would NOT work with me at all. Never received welcome packet or payment stubs. Sold to XXXX Bank whom turned around and sold it to Ocwen loan servicing co. for XXXX XXXX, XXXX. A loan rep, XXXX XXXX, told me I was not in foreclosure. I am XXXX due to a car accident. Ocwen told me I should do a deed-in-luei, ( referring to car accident, because of no modification I could not afford paymentso I was told ) " this will not go on your credit report '', I was told by XXXX XXXX. FEMA seized my house due to more than XXXX % substantially damaged home from Hurricane XXXX. I had flood insurance. To no avail, I have no home, I sent you the final payout document from Ocwen, I do not understand why I was not treated professionally.
I have sent principal curtailment payments numerous times over the past year to my mortgage company along with letters instructing them to apply the full amount to my principal. They have refused my requests and specific instructions to apply my principal curtailment payments to my loan principal, and have taken it upon themselves to apply my principal curtailment payments towards my regular monthly mortgage payments, against my wishes. I have spoken to them numerous times over the telephone this past year and I have been told that they would correct their mistake, but they never have and they keep doing the same thing every time I send them a principal curtailment payment.
I was involved in a motor vehicle accident in 2012. My relatives PIP insurance did n't cover my medical bills nor my lawyer. Now they left me with a debt that is not mine. The medical bill from XXXX medical center XXXX. I am already paying a debt from the audit-adjustment company right now. I have XXXX to pay still. I need help and someone needs responsibility its not me. I want you to take this amount XXXX off my report. I believe that people need to take care of debts not put me in a situation that makes me feel guilty here. No body has contact me ever since they just want money from me. I am speaking honest here no one should go thru something like this. So please resolve this. I will no longer take responsibility. Someone needs to.
Wells Fargo continues to be non-responsive to repeated errors with simple mortgage loan recast. Received invoice for statement date XX/XX/2018 and payment date due of XX/XX/2018 with incorrect principal amount and incorrect total amount due. Amount due reflects previous mortgage amount and not recast amount and principal balance is wrong, failing to account for large balloon payment made on XX/XX/2018. It is truly astonishing how inept this organization is. I have never encountered such a lack of coordination and a lack of accountability. You should run from this organization.
I froze my credit as soon as Equifax data breach was reported and I found out I was hacked. I did not get a PIN number for my credit freeze. Equifax needs to help people like me get our PIN number. Equifax should be punished for their careless regard for our information.
XXXX XXXX has not responded to requests to correct or replace monies from cashiers checks issued by banks they were assignees heridators or banks they have bought out : XXXX XXXX and XXXX XXXX XXXX I have 6 certificates of deposit which automaticAlly renew if not closed I have the passbooks several which. We 're held by my mother on bhalf of myself and it children in addition they have also refused to pay the certified checks issued by them or the banks they inheridited