WillisBack/dataset-financial-user-claim huggingface dataset:
Hi I spoke with the credit agency  three tim es regarding this matter provided documentation twice they informed me that it was my responsibility to find out what 's going on not theirs if still not corrected this and I am now in the process of filling complaint with the   XXXX   XXXX   XXXX   as well as your office and attorney assistance over to correct my credit and I was not required to pay and it was paid to the original debtor back in   XXXX     I 'm including the copies of that document as well as the showing that  XXXX  was not responsible for work from the beginning
The date my loan with Check into Cash Originated on XX/XX/XXXX for {$800.00}. The APR for this cash advance is 299.99 % I have paid this loan back and the interest. Check into Cash keeps on withdrawing money from my checking account. On their website it does not show the payments made just a balance of {$1300.00}. This company will call me at least 3 to 5 times a day and I have explained my situation of my financial hardship and I am willing to pay {$50.00}. I have had several of the representatives argue with me stating that an arrangement was not entered into their system, even though, I have made the payment of {$50.00} over the phone. Check into Cash had withdrawn money out of my account after I have asked them not to causing my checking account to be overdrawn. On XX/XX/XXXX, I spoke with a representative with Check into Cash who stated that although I paid over {$800.00} towards their loan, they have to make money too.
This company submitted a hard inquiry to my credit report despite the fact that they have no permission from me to run my social security number and no credit card was requested by me. No CBNA/Sears card exists in my name. I have disputed this issue twice in writing to the address below and have received no response. Because this is considered a " bank error '' by the credit bureaus, they have no power to remove them.     This hard inquiry damaged my credit report and lowered my score. They must remove it in a timely manner and send the removal to all  XXXX  credit bureaus.     Their contact information is below.     CBNA/SEARS   XXXX   XXXX   XXXX      XXXX  Department  Stores    XXXX   XXXX   XXXX    XXXX   XXXX , SD  XXXX  BYMAILONLY
Well I suppose allow me to just start out by saying thankyou for clearing up the situation. These past 2 months have been extremely stressful trying to figure what was really going on, Between going back forth between you guys and the credit bureaus ( needless to say ) is a fight in itself. Now that I fully understand situation I believe in the spirit of good faith we can come to a mutual agreement. Please understand that during the time period this account was established I had was very happy with the service, I was XXXXyrs old and just got my dream car. I was also very young and made financial mistakes, and I take full responsibility for that. During that time my mom was very sick and I often had to skip work in order to care for her, which inevitably lead to me becoming late on my payments. These past few months ive been cleaning up my credit to help my mom and I have a chance at a better financial future. This account is the only thing left on my credit report holding me back from financial freedom. I Pray twice a day everyday, for XXXX to give me the wisdom I need to get this acct removed from my report. I dont know whomever is going to be reading this response, but im asking you to please help me. I dont mind paying the {$8900.00} owed to you. I know that payment was my responsibility and I am not attempting to justify this breach of user agreement, I was however hoping under certain conditions you might review the circumstances under which this nonpayment occurred and consider removing ( or suppressing ) the negative trade line associated with this account from my three credit reports. im currently in the process of consolidating my debt owed to you so that I can PAY IT IN FULL. However I require your assistance in doing this. If you could just not report my acct to the bureaus for just 1 month, 2 at the most ; but really 1 should be enough. I would be able to gather the funds needed to payoff the debt IN FULL. I am simply asking TOYOTA MOTOR CREDIT for a courtesy gesture of goodwill in having the credit bureaus remove ( or suppress ) this account from my report. I do recognize that this request is unique and that it may not be normal policy. But please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping that TOYOTA MOTOR CREDIT will do that in my case for this account. Im sure that there is some type of simple agreement you can send me in response to this request ; if need be I will sign it and send it right back to you. Please whomever is reading this, just give me one chance. Just one chance to fix this problem. I believe it serves both of our interests. You want my money, and I want to give it to you so I can fix my credit and help my mom out. Please. 
Your kind consideration in this matter is greatly appreciated. 
Best Regards XXXX XXXX XXXX
Miller Stark Klein and Associates is claiming I have past due credit card debt with XXXX, They claim if I do n't resolve it, I am being sued for wire fraud. They left me several messages. Two of the messages that were left on XXXX and XXXX of this year claim that if I do n't resolve this debt, I would be sued for wire fraud. 

I spoke to XXXX from Miller Stark Klein and Associates on XXXX, XXXX of this year. He stated they were trying to contact me about an alleged past due credit card debt with XXXX. He said he could settle the debt that day for {$900.00} and the balance owed was {$1500.00}. He also said if I did n't make a payment arrangement with them, the balance owed would be {$6900.00} with interest and court costs. 

I then asked XXXX if he was a law firm. He said, no we 're litigators. He said if I did n't pay, I would be taken to court. I then asked him what attorney was handling this case. He claimed he had a whole network of attorneys that they worked with, but could not provide me with a name. He also claimed I was being sued for wire fraud. 

I do not believe this company has the authority to take me to court, and I do not believe past due credit card debt can be considered wire fraud. The statute of limitations for credit card debt in Arizona is six years. They are claiming the debt was charged off in 2008, therefore this debt is time-barred. I believe this company is a fraud. To my knowledge, this company making legal threats that they have no intention of carrying out is illegal. It is not standard practice for an attorney, or anybody that is in the debt collection business to claim I am being sued for wire fraud over credit card debt. I also do not believe this company works with any attorney whatsoever, and I severely doubt they have the authority to even collect these debts. Please investigate this company. Thank you.
I was alerted by the news media that Equifax experienced a cyber security hack on XXXX XXXX, XXXX. I used their provided website XXXX to see if my information was compromised and the response I received was " Based on the information provided, we believe that your personal information may have been impacted by this incident ... Your enrollment date for TrustedID XXXX is : XXXX XXXX Please be sure to mark your calendar. '' Because of this, I am in the process of freezing all credit reporting with XXXX XXXX Freeze, Equifax XXXX XXXX, XXXX XXXX Freeze, and XXXX XXXX Freeze. I have also requested a free fraud alert with Equifax to be reported to all other credit reporting agencies.
My experience with XXXX/Navient mirrors the current CPFB complaint. When I was unable to make full payments on my loans, both XXXX and Navient representatives recommended deferment and forbearance rather than income-sensitive repayment options that were also available. I did tell the reps that I could pay something but I was told that forbearance was a better option. This has led to a staggering amount of interest that continues to compound, essentially nullifying my monthly payment. The whole payment goes toward interest rather than principle, it does n't seem that the loan will ever be paid. Although I did apply for and was approved for an income sensitive repayment plan, it 's too late. 

A second issue I encountered was with the service provided when XXXX transitioned to Navient. I was told that I could continental to make payments online, however that was not the case. I thought I was making my regular payments and receiving email confirmations. However, I actually needed to call and have a rep set me up for online payments. I never received any notification that my payments were n't received, which meant that more interest and fees were added. 

When I read that the CPFB was investigating this, I immediately recognized my own experience and wanted to register my complaint. I hope that there is some relief in sight that does n't involve bankruptcy.
I had a 30 year loan with a 10 year interest only payment. As of   XXXX   of 2016 my payment changed from {$1500.00} to {$2900.00}. This property is now rented, I collect {$1900.00} a month. I have provided all documentation to Ocwen Loan Servicing. My property has n't reached a value to refinance. I asked the servicing company for help in getting a modification, I was declined based on having assets to cover the difference between rent and mortgage payment.
I do n't make enough money to keep paying this loss. The reason for the complaint, the game that 's played is continually asking for the same documents over and over. When it 's in there system already!
On XX/XX/XXXX, a check of {$1200.00} was about to cash from my Wells Fargo checking account. My account did not have the balance to cover so an overdraft fee was incurred. I did not write this check. After hours of communicating with bank rep over the phone, I got the image of the check, and confirmed that 's not a check from me ( not even have my name/address/signature on it ). The rep confirmed it 's a bank error/fraud, however refused to credit the fee back to my account, saying additional investigations needed. On XX/XX/XXXX, I wrote online message to the bank, bank confirmed that the executive office will follow up this case with me within two days. I have not heard anything from the bank as of morning of XX/XX/XXXX. I have no choice but filing the case with CFPB, hoping the issue can be resolved swiftly and reasonably.
While reviewing my Synchrony Bank accounts online on XX/XX/2018, I noticed that a new Mastercard account was opened under my name which I had not requested. I Immediately called Synchrony Bank 's customer service. I was told that even though I did not apply or request this account, Synchrony Bank would be mailing the credit card by XX/XX/18, and as long as I did not activate the card it would not appear on my credit report.

I contacted Synchrony Bank via their online secured message system on XX/XX/18 to complain and have to date not received a reply.

This seems very similar to the XXXX XXXX XXXX   issue, whereby accounts are opened without customer/client authorization.
First, let me say that this is so exhausting. Not only have I sent supporting documents but I have spoken with several representatives at Experian about a tax lien that they ( Experian ) went out and found in public records and was not even reported as I have been told by, XXXX County Court, that this account is no longer valid and has been satisfied. Both XXXX and XXXX has removed the negative mark but old Experian just seem to want to hang on to it. I want this, TAX LIEN, removed immediately or I will be forced to seek any legal assistance to make it happen. I am tired and will not keep waiting for the same results ( Remains ). Please ask Experian to properly investigate and remove this bogus item from my credit file. I do not have any balance owed to, Georgia Department of Revenue ( Tax Lien ) and I have sent state approved letters showing execution and Experian will not remove the item ... .why?
Citibank is making law-abiding gun owners, who have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups targets by denying them services simply for exercising their rights under the U.S. Constitution and laws. 

These efforts create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those hoping to obtain financing for such things as home and auto purchases or running a small business because of their purchasing or using legal firearms dealers or suppliers for their personal use. 

Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. 

No American should be treated as a scapegoat for someone elses crimes by denying them credit or use of their credit to legally purchase firearms for which they are legally entitled.
Companies- XXXX XXXX XXXX XXXX . Account. XXXX. Line of credit for {$5000.00}. Since XX/XX/XXXX. 
XXXX  has not showed any proof of any type of investigation that I was late in the years of :XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX. They will not investigate this issue. I have constantly have asked them and the 3 major bureaus to send me proof of documentation stating lates on any accounts I have with them. They will not answer. Please help CFPB
I bought a vehicle and financed it through Santander. The vehicle was not in good mechanical condition so I traded it in only a few months after. I signed a contract and the dealership agreed to pay it off and mailed a check. They unfortunately mailed it to the wrong company. Once found they sent out another check and canceled the first. This time Santander did n't report receiving it right away. They are reporting a XXXX90 day late to XXXX of my credit reports. I am requesting that the latest be removed. I have tried to work this out with Santander and XXXX different operators. All of which have a poor attitude. The worst was the vice president of credit disputes. XXXX XXXX XXXX. He scolded me for waiting untill now to contact him. He also at XXXX point said that he was not going to do anything for me and compared me to a XXXX. He actually said " what do you think would happen if I deleted all the late payments for the XXXX people, then all the XXXX would be calling me and XXXX about unfair treatment and expect the same '' I was and still am shocked. He did n't even get what he had done after questioning him. I explained the situation to another rep and she justified it by saying 'thats just a statement that we use in the business and if we are guilty, than everybody is guilty. '' XXXX will not call me back, another manger. XXXX yelled at me and said I would n't have had this problem if I just paid my bills on time. Knowing full well that it was an issue with the dealership and Santander. My account ( # XXXX ) is heavily noted and everyone agrees that the dealership made a mistake. I should not have my credit harmed for this situation. I paid my bill on time while the vehicle was in my possession.
I have been dealing with this company ( AMCA ) since XXXX when I had a medical bill that fell into collections due to the fact that I moved and never received the bill. I set up a payment plan with the collector and paid off my balance and I even received a case number stating that it was paid in XXXX. I recently discovered a derogatory mark on my credit from them so I called to find out why and apparently they have no record of my automatic payments that were set up or that I paid in full, theyre stating I had bounced checks, Ive never written them any checks what-so-ever, I have asked for verification and validation of my payments multiple times and never received anything from them. I printed out proof of my payments via bank statements and they still have not removed my balance and also have not removed it from my credit report. I do n't know what to do to take care of this situation, theyre extremely unorganized I receive different information every time I call them and they never have a clue what is going on. I can provide you with my bank statements via fax as well to show that this has been paid, however I am unable to attach them to this complaint because they are not saved to my computer,. I just want to solve this matter as quickly as possible.
Applied for financing a new home. XX/XX/XXXX Submitted all documents for a loan with XXXX XXXX Mortgage Loan Originator NMLS # XXXX TEL ( XXXX ) XXXX MOBILE ( XXXX ) XXXX FAX ( XXXX ) XXXX XXXX Asked whether I was approved and told via text that I was and on XX/XX/XXXX that an appraisal was due. On XX/XX/XXXX was told no appraisal and that by loan officer XXXX she would order a new report of appraisal. Via text on up to XX/XX/XXXX I am told that no appraisal has come but now the builder, XXXX XXXX will pay for a " new '' appraisal and asked to ok the extension while a new appraisal is done. I ask what about the first appraisal I paid for and told which ever one comes in first we could close the loan. XX/XX/XXXX I notify XXXX XXXX of XXXX XXXX that I have lost confidence with the loan officer as she has been stringing things alone and does not keep me informed. Am told that her company filed a complaint with the loan department on the delays and I asked to be a party on the complaint and where do I call. Then told it is not the loan department but it is the appraisal management company and I ask again what and how do I FILE THE SAME COMPLAINT. No answer XX/XX/XXXX XXXX XXXX meets with appraiser on new appraisal XX/XX/XXXX The Lending company ask me to sign more documents via their web portal and I am suspicious XX/XX/XXXX XXXX XXXX calls and tells me the appraisal is in and I need to esign with the lender XX/XX/XXXX XXXX XXXX Property Manager calls and I say I am seriously upset with all the delays and I have informed his sales rep, XXXX XXXX of XXXX XXXX and how delay after delay has cost me in buying a new home and renting my current home. Inform him how displeased I am and may need a loan officer I can trust. <P/>XX/XX/XXXX File this complaint XXXX XXXX XXXX
The unfair business injury that I and my family has being under is totally unbearable. 

Can not get a loan for my business ; or any loans for that matter. 
The whole situation is very stressful on me and the family to the detrimental of break up the a marriage.
Bank of America, N.A. transfered the service of my loan to XXXX XXXX XXXX, decpite of promise at closing document no to do it. On SERVICING DISCLOSURE STATEMENT, it says : " Your mortgage loan will be serviced by Bank of America, N.A. and it does not intend to sell, transfer, or assign the servicing of your mortgage loan. 
I contacted BofA representatives 3 times regarding this issue and they say that " does not intend to transfer '' does not mean that they will not.
I placed a Stop Payment on check number XXXX, for the amount of {$2500.00}, on XXXX XXXX, 2016. 
PNC Bank N/A confirmed the Stop Payment on the check, in account XXXX, both on XXXX XXXX, and today 's call. Check XXXX was, nonetheless, paid by PNC bank on XXXX XXXX, 2016. I called PNC to complain and get compensation. I was, at first, refused in my request to speak to the manager in charge. PNC is informed that my mortgage payment is due on XXXX XXXX, 2016, and due harm to me and my family will result due to its error. PNC has admitted its mistake. To date no satisfactory resolution has been completed.
so since the lawsuit on XXXX owners of XXXX. XXXX that controlled the XXXX and campus student lending loans promised if the loans were disbanned i would be payed back what i payed in. now that the loans were settled in court and the loans were dropped there not paying me back a dime. so in basically if i would of ingnored them from day one of the lawsuit i would of not had to pay a dime. 2nd i dont know why the accounts werent put on hold till the investigation done in the first place with illegal action done on the accounts. so i basically payed off almost all the accounts. campus student lending account paid in full balboa had 2 grand left when the accounts were disbanned
The US Bank cancelled my Checking Account 's Overdraft Coverage without Notice because according to US Bank Manager, XXXX XXXX XXXX, XXXX XXXX XXXX, the US Bank knew that I could have changed my direct deposit funds electronically to another Bank .Additionally, Manager XXXX XXXX stated another reason for the Cancellation. He stated that the US bank letter dated XXXX/XXXX/15 was " computer made '' due to the XXXX " cycle '' and He did not have any responsibility to seek an immediate solution. Because of the US Bank decision to Cancel my Checking Account 's Overdraft Coverage It cost me XXXX minutes of cellular telephone minutes, {$30.00} dollars additionally minutes to keep my phone active and severe emotional stress harmful for my well being. As of Today, the US Bank FAILED to clearly explained their motives for the cancellation of the agreement while kept collecting all overdraft fees of {$36.00} per overdraft and {$25.00} weekly fees. 
Worst yet, the US bank 's Customer Services representatives including XXXX XXXX XXXX XXXX XXXX XXXX did not have knowledge on how to resolve this Cancellation knowing that the US Bank collected all fees, that the Overdrawn amount was secure by an electronic direct deposit scheduled for XXXX/XXXX/15 of {$1500.00} that covers the amount of {$720.00}.
On XXXX XXXX, 2017 the repo man tried to get my car. My payments are current. My contracted payment is {$170.00} every two weeks. I pay {$200.00} every two weeks to pay a little extra. Broadway Auto Mall in XXXX, KY told me if I want to keep my car I was going to have to start paying {$250.00} every two weeks because I 'm XXXX behind but no one can explain this. I ca n't afford {$250.00} every two weeks. I bought my car with a payment reasonable for me. I do n't know what to do and I need my car for my job. I was sick the weekend my payment was due. It was just due on XXXX XXXX, 2017! They 're trying to repossess my car for a couple days late.