WillisBack/dataset-financial-user-claim huggingface dataset:
I received an unsolicited check in the mail from Mariner Finance LLC in the amount of {$1200.00}. The check stated by signing and cashing I would enter into installment loan with them. At the time I was consolidating debt and needed the money and the low monthly payment of XXXX enticed me. I deposited the check and made XXXX payments before deciding to pay in full. I sent several emails through their online portal asking for final balance and never heard back. They called me XXXX time before I paid off the loan, telling me I can have an additional funding, I advised not interested but after this call from my local XXXX XXXX branch, my preference is to receive communication in writing for financial matters pertaining to this loan so I will not call them or discuss over the phone. This is based on the strong urging from the caller to visit them to receive " more money. '' After this call I had a bad feeling about this loan. They have tried calling my desk phone at work but I will not answer since personal calls are not allowed and because I prefer in writing. My total payments were {$76.00} more than I borrowed and the final payment I sent was what appeared on my credit report as total now due ( this entry somehow has now disappeared from my credit report ). After it vanished from my report I figured it was paid in full only to receive another call to my work number this past Friday XX/XX/XXXX. I checked XXXX 's web portal this morning and it shows an open loan with a " maturity '' date of XX/XX/XXXX and my next payment due as {$60.00} with a future date of XX/XX/XXXX. I have not received any billing statements nor have I signed any documents other than the unsolicited check they sent me. I suspect they are withholding the total due and future dating a payment for some interest charges to accrue interest. My loan was open less than XXXX months and by my calculations ( based on future date and total payments ) my total interest paid for a 60 day loan of {$1200.00} would be {$460.00}. I have never received any acknowledgement for the XXXX emails I sent, I do not wish to speak to this company other than in writing and they have never sent me a single statement in the mail. An online search of complaints shows similar experiences with other clients. Attached is supporting documentation showing the payments made from my XXXX XXXX checking account and the deposit of the {$1200.00} check back in XXXX into my XXXX XXXX account. I do not have any other documents since none were ever provided by this business. 
I strongly believe they are comitting predatory lending and fraud based on my above experience.
I had a Capital One Credit card that was legally settled on XXXX/XXXX/2015 but is still being reported by Capital One to the XXXX national credit reporting agencies, XXXX, XXXX & XXXX. This account was placed with the XXXX XXXX XXXX, attorney firm, and was subsequently settled with the law firm. I have disputed this error both with the XXXX credit reporting agencies and with directly with Capital One, per the FCRA, but Capital One has arrogantly refused to correct their erroneous reporting. I have attached the settlement offer letter from XXXX XXXX and proof of payment, both of which were furnished to Capital One in my dispute with them.
Hello, My issue is with XXXX XXXX. XXXX. I 100 % believe this is a scam collection agency. I graduated from XXXX College XXXX. DeVille says my account was opened in XX/XX/XXXX and it's a private collection. They contacted me XX/XX/XXXX to make payments on a account that is worth {$22000.00}! I have sent money ( {$50.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX ) I tried on many different occasions to contact the company, but the number was always to a different company. I also sent them a letter in the mail XX/XX/XXXX stating my new home address I received NO RESPONSE. I became Extremely Suspicious XX/XX/XXXX when this so called " TEXAS BASED company called me on a Saturday Morning from a XXXX WASHINGTON DC BASED phone number! What company calls on a SATURDAY MORNING from a completely different number? I will no longer send them any money and I WANT THIS FAKE COMPANY OFF MY CREDIT REPORT!!
On XX/XX/XXXX, an account with XXXX XXXX XXXX was opened for the amount of {$1300.00}. The primary borrower purchased a new home in XX/XX/XXXX and was no longer receiving statements from the borrower leaving the account delinquent. After approximately a year of no payment, the original debtor, XXXXXXXX XXXX XXXXXXXX XXXX, sold the account to XXXX , XXXX. XXXX , XXXX   contacted the Clerk of Court XXXX County and Summons the borrowers to court to address unpaid balance. Both borrowers appeared in court in XX/XX/XXXX and went through mediation to resolve the debt. Each party agreed on an amount per month to satisfy debt. The Borrowers paid consitently on the account and the account was brought to XXXX balance in XX/XX/XXXX. XXXX County Court filed a motion dismissing the case as the borrowers satified their agremment. The borrower for the above account is requesting that this account be removed from their credit report. The account is showing as closed/ negative due to charge off. Debtor has paid balance and fufilled their obligation and this information is inaccurate.
My account was fraudulently compromised by someone getting my account number and making fraudulent charges for XXXX purchases. I made Bank of America aware of the situation as soon as i noticed large sums of money missing from my checking account. They returned the money to me within 5 days. 2 months later Bank of America took the money back out of my account. After I called to inquire why, I was told that I had looked at my account to often to have not noticed the charges sooner. I explained to them that the small charges such as well {$1.00} did not cause and alarm for me to notice. However the {$100.00} caused a huge alarm and as soon as I noticed this I immediately contacted them. However here we are a month later and im still trying to get back my {$210.00}. The bank has now victimized me twice. First by allowing someone to charge on my account and now with them stealing my money as well. This is ridiculous!!!!
I pulled my credit profiles and noticed multiple credit inquiries ( XX/XX/XXXX and XX/XX/XXXX ) by XXXX XXXX XXXX. I was not familiar with the bank or the noted inquiries so I attempted to contact the company to obtain information about the inquiries. I sent a letter via certified mail to the address indicated on my credit profile. The letter was returned undeliverable as the address didn't exist. I subsequently contacted Experian regarding the inquiry on my credit profile. Experian signed the certified mail receipt from my letter on XX/XX/XXXX. It is now more than 30 days from the date of my dispute and Experian has neither responded to my dispute or removed the 2 unverifiable inquiries from XXXX XXXX XXXX.
I spoke to all three credit bureaus via phone. I was told that XXXX would be the ones that will need to make the appropriate changes made to update my FICO score. I did receive a response back from XXXX and they stated it is up to the credit bureaus to update my FICO score to reflect all payments that have been made towards my VA loan with XXXX. 

I am asking for my FICO score to be updated to reflect all payments that have been made towards my VA loan. 

Thank you, XXXX XXXX
These collections violates the HIPAA act. I didny authorize my personal medical information to be sent to anyone without my consent. I habent received 1 bill as my insurance has paid these amounts and they appear to be duplicate acxounts.
Santander Consumer USA financed my vehicle and when I became unable to pay, due to medical XXXX and XXXX, they agreed to work with me upon my return to work. However, while they took my payments, they ultimately repossessed the vehicle. I did not hear anything from them, even after I called repeatedly about reinstating my loan to keep my vehicle. XXXX months later, I received a letter that they sold the vehicle for {$3000.00} and I had a balance of {$15000.00} to pay. I never receive notice that they were going to repossess the vehicle despite my payments, nor did I receive notification that the vehicle was being sold and how could they sell it for such a low amount, leaving me with such a high balance. Given that Santander Consumer USA, has been named and settled in several predatory lending practices, including fraudulent fees and improper repossession, I would like to file a complaint and ask that consumers be protected for this company. ( https : //www.justice.gov/usao-ndtx/pr/justice-department-reaches-settlement-santander-consumer-usa-resolve-allegations. ) I am now fighting to get this removed from my credit, so it appears they are not only hurting consumers financially, but also stopping them for recovering by reporting their fraudulent acts as truth on their credit reports.
XX/XX/2018 I called TransUnion refused to investigate the inquiries put on my credit report and a couple of days before that I had the same problem with XXXX they refused to investigate the inquiries that were placed on my credit
Medical bill isnt mine but they still report and when I call they are very rude and talk down on you
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is currently assisting XXXX XXXX XXXX in the above-referenced matter. We write this letter in response to your rebuttal letter dated XX/XX/XXXX.
In your rebuttal letter you claimed that you submitted a request for the Mortgagee Optional Election ( MOE ) to the Office of Housing and Urban Development ( HUD ) onXX/XX/XXXX. Further, you claimed that HUD responded on XX/XX/XXXX, denying the MOE because XXXX XXXX  was not married.
In response to your rebuttal, XXXX reached out to HUD to confirm the decision you claim HUD made on XX/XX/XXXX, and we were advised that HUD made no such decision. Furthermore, XXXX XXXX, Attorney-Advisor at the HUD Region IX office confirmed that the guideline, which was provided to you in our initial correspondence dated XX/XX/XXXX, was accurate and correct.
YourXX/XX/XXXXrebuttal not only misrepresented your actions to XXXX but also to the CFPB, the regulatory agency charged with investigating this complaint. Your rebuttal also misstated the actions of HUD, a federal agency that insures the above-referenced loan. Whether these actions were done purposely or through error, it impacted my client negatively. That said, my client continues to seek resolution to this issue.
To that end, on XX/XX/XXXX, Financial Freedom sent toXX/XX/XXXX a California First Amended Tolling, Forbearance and Release Agreement ( the Amendment ), which requiredXX/XX/XXXXto complete and return the Amendment to Financial Freedom no later than XX/XX/XXXX Although Financial Freedoms XX/XX/XXXX letter is addressed to XXXX XXXX XXXX XXXX has not received it to date.
On XX/XX/XXXX we spoke with a representative of Financial Freedom and requested a deadline extension to XX/XX/XXXX. This request was made in order for XXXX XXXX to have the necessary time to seek independent legal counsel and to consider all of the options available to him in this matter. During this telephone conversation a supervisor by the name of XXXX XXXX provided an extension until XX/XX/XXXX.
Later, on XX/XX/XXXX we again spoke with a representative of Financial Freedom and requested an additional extension for XXXX XXXX to review the Amendment. The representative again consulted with XXXX XXXX and provided an extension until XX/XX/XXXXand requested that XXXX request, in writing, written confirmation from Financial Freedom stating that Financial Freedom had provided the time extensions referenced above.
On XX/XX/XXXX, I paid XXXX a collection agency to be removed from three co signed XXXX XXXX loans. In XX/XX/XXXX, the loans were still on my credit reports. I disputed with all three credit bureaus and XXXX XXXX. XXXX said I had a XXXX   balance, and I was not attached. All three credit bureaus said that XXXX told them the account was charged off/ and I still owed a balance. In XX/XX/XXXX, my lawyer was contacted by a collection agency trying to get the money again. In the years XX/XX/XXXX-XX/XX/XXXX, I have been denied credit because of this and as one bank personnel stated, This is the only negative thing in you report, it seems uncharacteristic based on your report. So finally I disputed it again. Now my credit reports have added the interest on the loan and my loans state that they are still currently charged off and I owe even more interest. My credit report score went down for the dispute.
I received a settlement offer from a collection company in behalf of Kohls and I accepted and paid the debt. The collection company is claiming they cant see that I made the payment I will attached the settlement offer and the receipt showing the acct has been satisfied.
THIS IS NOT A DUPLICATE REPORT - 1ST REPORT # XXXX I received a " standard response '' that explained the report - it had no " response '' to my complaint. Which primarily explained the difference between the hard and soft inquiries. 

I called the CFPB and was told that I would need to file a NEW complaint even though they did not address the issue of the first complaint. I did respond to that complaint after receiving their response, but they did not address the issue. 

This response DID NOT respond to my MAIN complaint which is primarily about SOFT INQUIRIES MADE - I was told these Soft Inquiries could be " stopped/not allowed '' if I sent in by mail additional PERSONAL INFORMATION : Copy of my driver 's license, copy of bank statement or electric bill. 

This company has NO RIGHT TO ASK FOR THIS information. Since they already have enough personal information I REFUSE to send them BY MAIL or any other means a copy of my Driver 's License and/or bank statement etc. 

This is an invasion of my privacy which opens up more exposure to hackers of additional personal information. They just responded to an explanation of their policy - not to my complaint. 

I want soft inquiries stopped from being allowed by ANY company - especially since I am never late - I have opted out with the government website for all solicitations of any kind. And even if I am a credit card holder with a particular company - they should not be allowed to keep checking my credit report without my permission. 

If they can stop these soft inquiries by me sending in more information, by mail, they can certainly stop them through this complaint. 

The only response I should receive from this company is that they have " stopped allowing '' SOFT INQUIRIES too.
The XXXX XXXX XXXX 's Activity Designator Should be " Closed ''. It currently has NA - even though there is a published Close date, The Comments on this account are inaccurate. 
The High Credit, is inaccurate. 

Please delete the comments, and ensure the HIGH CREDIT is reporting correctly.
paypal is trying to rip me off by transferring money from my bank account to my paypal account without my authorization. they have the worst customer service in the world! i just want to close my account but they wont allow me to do that!
Puget Sound Collections keeps sending me letters in XXXX different names. When asked to verify this was my debt, they continue to just send statements of amounts owed in XXXX different names. I had XXXX for medical coverage and fear i have been a victim of identity fraud due to their breach. They show the wrong name for XX/XX/XXXX & XX/XX/XXXX showing on a statement using my married name when i was n't married until XX/XX/XXXX. They keep saying they have verified who i am but they have n't verified this is my debt and refuse to remove it from my credit report. They are harassing me and bullying me with tactics that are unfair.
On Friday XX/XX/XXXX, I XXXX XXXX, formally XXXX XXXX DOB XX/XX/XXXX was applying for school at XXXX XXXX XXXX XXXX. I contacted XXXX for financial aide, and was advised that I had outstanding student loans from XX/XX/XXXX. I advised the financial adviser that I repaid the company thru my taxes in XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX, My entire tax return was taken from me all 3 of these years to pay back these student loans. On XX/XX/XXXX, at approx XXXX XXXX, I contacted Navient student loans to discuss the payments that were made from my tax returns from all 3 years and I spoke to a Representative named XXXX, I told her that I paid the loans from XX/XX/XXXX back with my tax returns and i should not have a balance owed, and she advised me that she could not give me any information concerning the account and I had to contact XXXX XXXX XXXX funds at XXXX. Upon me calling that number the promp said thanks for calling Navient. this was the same company that I contacted the first time, and the promp said that the office was closed it was apporx XXXX XXXX. It is to the best of my knowledge that I am being scammed and I have over paid this company, they are also stooping me from receiving funds to help me further my education. I need justice as well as help with this. I have overpaid this company more than 3 times.
A few months ago I filed a complaint on XXXX because they were reporting an old card that was lost or stolen inaccurately. XXXX was reporting late payments on my credit every month for three years. You all helped me and XXXX corrected the error. Now out of nowhere, XXXX just report a 30 day late payment on my credit for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Here we go again with the same problem. I have had no interaction with XXXX since they corrected the error on my credit file. Now they are at it again. DEFAMING MY CHARACTER AND REPORTING ERRONEOUS INFORMATION ON MY CREDIT PLEASE HELP ME
I really need your help because at this point I do n't know where to turn. I opened the mail and I saw three letters. One from all three credit bureaus. I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other bureaus removed the information I challenged. 
For some reason your company did not remove it. I 'm a little confused here. How is it that the other bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and I 'm starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate. Now, I 'm not a complainer, but I do need this fixed. I need this error resolved immediately. I was told that if errors are not fixed, then I can complain to the FTC about your company. 
Please remove this account
XXXX has been non-compliant with removing the unverified account DISCOVER XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVER was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Update ReportXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDear CFPB and Mr. President ObamaI have sent a complaint to server officials and received the same response from ASC every time. My mortgage Company ( ASC ) has sent the same papers repeatedly to you. The questions that were asked were never answered. 

1.Was I a victim of Predatory Lending? 

2.Was and am I being treated fairly? 

Those questions were avoided, with a hold lot of papers, on this is how the loan was given to ASC. Does anyone check into these situations to find out the truth or do we just bury it in more paper. I was referring to the XXXX loan. Not the collection agency/ mortgage company ( ASC ). I was expecting an answer. I do not have anymore money for a lawyer. They messed me up in papers too. My sister is on SSI. Since I made the complaint in XX/XX/XXXX. I have been sending papers to ASC to get this modification. Papers to prove my income, my sisters and my nephew income. The last paper ASC requested was a letter explaining what the abbreviation ( Allot ) on a pay stub meant, It 's allotment. I was promise a lower payment, not a lower interest on the same money. They would n't even refinance. That is why I need to know after 8 years of payments, if this loan was a loan that they anticipated to fail, and with all our saving with it. 

On XX/XX/XXXX, I was told that the modification was denied due to the fact that our loan only accepts XXXX modification pure loan. I asked why did they put me through 8 months of paper work to say that. Requesting all that paper work for what. XXXX XXXX XXXX said that we could reinstate our mortgage, put what I owe on the back of the mortgage, and start paying it. XXXX XXXX XXXX ( my worker ) told me that I have to pay {$50000.00} to reinstate my mortgage. I have to do a short sale or deed of lieu or just foreclose. XXXX XXXX stated that I ca n't be helped. I do n't qualify for none of the government loans or programs. I want to keep my home. This all started when the roof needed repairs and they refused, due to my one-month late mortgage. It does n't seem fair for a company to mislead you and leave you homeless after 9 years of payment and harassment. If there is anything else that I can do please let me know. 



Thank You for all you tried to do. 
If there is anything more let me know XXXX XXXX XXXX
Ally bank decide to put a restriction on my saving account without letting me know. There is no way I can get the money back. Our hard earned money! And still they say they rated XXXX 5 years in a row.
Re : Equifax. While they raised my credit report to XXXX, I disputed information. One dispute remained on my credit report and one was corrected to a " zero '' balance ; however, they changed my " grade '' on " type of credit '' from A to B and then lowered my credit report. The information should have raised my credit score not lowered. It is a systematic way of keeping your credit score lowered even though it does not warrant it.