WillisBack/dataset-financial-user-claim huggingface dataset:
First Cash Call never ever thoroughly explained my interest rate nor explained to me how long it would take for me to pay it back. I fully remember when I took the XXXX loan, the rep told me it would be XXXX a mth and for me to do the math and figure out how long it would take. I took it out in XXXX, have paid it every month on time and today I noticed I still owe XXXX. I asked them how is this possible, and they responded with I should have read the contract with XXXX of their reps. I was deceived and taken advantage of by that first phone call with them. I asked questions but they have lied since that day one call I placed to them. Secondly, I asked they take the $ money out on the XXXX, but no, since XXXX they 've been taking the money out on the XXXX. I called and spoke to them on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, and today, all for the same reasons to please do not take money out til the XXXX and they have ignored my every request. Today I called my bank to put a stop payment on these jerks, and if I do decide to pay them back I will on my own terms, but having been lied to, deceived, and taken advantage of, I 'm leaning on never giving them a dime again.
This complaint is against Portfolio Recovery Associates regarding an account. I paid an outstanding balance of {$890.00} on XXXX XXXX, XXXX at XXXX. I contacted XXXX XXXX 's court because I have a case there regarding this debt that was paid. XXXX XXXX, XXXX at XXXX and spoke with XXXX XXXX the courts building. She advised they have not received anything from XXXX XXXX showing that the balance has been paid. I have already gone to the court house with the copies of my receipts showing proof the balance has been paid. But that is not sufficient, they want documentation directly from Portfolio Recovery Associates stating the balance has been taken care of and that the case can be dismissed. I contacted Portfolio Recovery on XXXX XXXX, XXXX at XXXX at the number XXXX and I was told they were going to email a supervisor regarding this matter. Again I called Portfolio Recovery Associates at XXXX and requested to speak to a supervisor on XXXX XXXX at XXXX. The female representative would not transfer me to a supervisor that she was going to email her supervisor regarding this matter. XXXX XXXX, XXXX I called the courts and the court house advised that they do not have the documentation from Portfolio Recovery. On XXXX XXXX, XXXX, I emailed Portfolio Recovery to take care of this matter and have the court case dismissed at XXXX XXXX XXXX 's Court. Nothing got resolved and I did n't not get a response from XXXX XXXX. I called Portfolio Recovery XXXX XXXX, XXXX at XXXX, I spoke with XXXX XXXX and she had me transferred over to a supervisor. The supervisor advised that they were sending me a letter to my home address and on that letter I had to sign the paper work to have the case dismisssed. She said the letter had been mailed out on XXXX XXXX, XXXX, I still have not received the letter that I needed to sign. Today, XXXX XXXX, XXXX at XXXX I spoke with XXXX XXXX Portfolio Recovery and he told me he was going to email his supervisor.
About 2 weeks ago ( end of XX/XX/XXXX ). I was behind on payments but was able to make the lowed payments, but was still delinquent due to missed past payments. I was contacted ( received a call ) by a rep from sallie mae after making a payment a few days prior. I was told they have a " 3 pay program '' that could help me get caught back up to make my accounts current. How it works was as long as i make my next 3 payments on time, the account will be brought current and the delinquent payments would be added to the end of the loan. I agreed to enter this program and did the verbal verification over the phone on their recorded line and that was the end of it.

Today, I called them to verify that the payment was still scheduled and verify the amount to be paid. I was able to confirm both, but the new rep proceeded to tell me that I was not actually eligible to be in the " 3 pay program '' and that the payments I scheduled and was told would bring me current, would not. The reasoning I was told was due to already having my payments reduced and I " cant be in 2 programs at the same time '' So my complaint would be, why would they call me to tell me about a program, I agree to the terms and enroll into said program, schedule payments, and not actually be eligible from the very beginning?

The lady on the phone was nice so no issue with her, but she said she would " elevate this to a manager '' and then I was on hold for close to 30 min before I hung up. Aint nobody got time for that.
navient XXXX was told i could get my co signer off of it after paying 9 x in a row didnt happen, they stopped taking money from my account after the 9th month and still continued to call. split my loan into alot of small loans to subsidiaries and call me all day from all kinds of different companies that i do not know/trust and will not answer. Took my loan out of default, then it instantly changed hands to another company within navient and is currently harassing me with phone calls XXXX. paid a fee back in XX/XX/XXXX or XXXX, to consolidate my loans ( private ) into XXXX loan and they did nothing. Was told when i first started college that I would only have XXXX loan instantly had XXXX i didnt know about till i graduated ( mostly XXXX 's fault. )
XXXX Accounts are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.
On XX/XX/2018 I sent a l sent a debt validation letter to XXXX XXXX XXXX   requesting that they validate the alleged debt. I received an itemized billing statement which didn't verify the debt. I have included both the document that I sent and the document that was sent to me.
I have send to XXXX,XXXX and XXXX, to remove this studetn lona or update, this was not remove due to bacnkcrucy, we all know student loan cant be remove with that, i have pay this and send them proof, even like that they live this ask discharge on bancrulcrucy, this was pay from my bank account. please update.
The XXXX XXXX XXXX account ending in XXXX was on my credit report for years and the credit bureau 's ( XXXX , TransUnion , XXXX ) never validated the debts but allow them to report it to them an they put it on my report this is a violation of Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. This has hurt my ability to obtain credit. This is not the only account that is not validated but they say they are working on them but should have been verified before it was put on my report.
Fidelity information corp {$2200.00} XX/XX/XXXX I disputed on XX/XX/XXXX
This is a formal complaint lodged against PNC Bank. In XX/XX/2015, PNC Bank unjustly accused me of owing them a balance of {$2.00}, XXXX. Despite multiple attempts to prove to them I was not liable and had been a victim of identity fraud/ theft, they still attempted to hold me personally accountable. After much stress and litigation, PNC conceded, acknowledged that I was not responsible for the fraudulent activity, closed the case, and sent me documentation that any fees incurred or credit required would be dealt with, accordingly. Today, I went into another banking institution to apply for other financial products. The representative stated I had been 'flagged ' in their system due to " fraudulent activity '' associated with a previous PNC bank account and that my request had been denied, consequently. I went directly into a PNC branch to be put in contact with someone from their internal escalations department and was informed that despite, not having been liable for their formal claims against me, I would continue to be penalized by having this incident in my history for up to 5 years, when in fact, my name should've been removed from the flag/ fraud database as soon as it has been established, I was responsible, back in XX/XX/2015. Ive attached proof and correspondence received from PNC Bank to date. I am pushing to have my name removed from the fraud database. 

Thanking the bureau for its time and consideration of this matter.
XXXX Credit Bureau informed me via CFPB # XXXX that Cash Central failed to notify their request for a removal of XXXX Hard Inquires which continues damaging my credit score. 

Cash Central representative XXXX XXXX, ( phone XXXX XXXX send me a letter on XXXX/XXXX/15 stating that a request to remove the XXXX hard inquires was sent XXXX. 

According to the response receive XXXX, as of this date, Cash Central have failed to comply with their request to remove the XXXX hard inquires which continues damaging my credit score. 

XXXX
I check my credit often because I 'm monitoring it cuz planning to purchase a home by the end of the year. Just recently got married. So i was looking through   XXXX   XXXX   through   XXXX   XXXX   XXXX   XXXX   noticed Deville on my credit report. I did n't recognized the name so decided to contact them. Spoke to a   XXXX   XXXX   and asked her what is this all about. And she told me it 's a credit card through  XXXX  that was opened back on 2004. It did n't dawn on me till later that why would this show up now if it 's been opened for that long. Never did I get any letters from them.
I had a Home Mortgage with Washington Mutual. Later on it was taken over by Chase.Due to severe financial hardships and my bad health condition, as also that of my wife, I had stopped payment from XXXX XXXX. At that time my Unpaid Balance was {$400000.00} and my monthly Mortgage Payment was {$3100.00}. I applied for a HAMP Loan Modification and made XXXX TPPs of {$2200.00} ( Total {$35000.00} ) each but the Modification was rejected. Again I reapplied and made XXXX TPPs of {$1900.00} each ( Total = {$7600.00} ). Thankfully after XXXX TPPs, I got a permanent Modification in XXXX XXXX. If I add up the XXXX unpaid installments of {$3100.00} ( Total {$110000.00} ) to the UPB of {$400000.00} and deduct the XXXX TPPs ( {$42000.00} ), the Balance comes to $ XXXX.However, in the Modification Agreement, they are showing a Balance of {$490000.00}, which is {$18000.00} more. The Legal Charges, if any, would not be $ XXXX. My feeling is they have not applied all my TPPs to the Loan Balance or there is some serious mistake somewhere. I am attaching all the said documents for your perusal.
I co-signed a loan for my brother in XX/XX/XXXX it is now XX/XX/XXXX and these loan balances have not decreased. Recently they placed him on an annual autopay and they let it lapse, then he gets late fees and interests. They keep resting the clock as he has made XXXX straight payments, but will not release me from the loan. Recently he did not make any payments and I was not notified. My credit score dropped XXXX points. Recently, I paid {$1600.00} to bring the loan up to date. Now they have set him up on an auto pay plan which will not go into affect until XX/XX/XXXX. Therefore, XX/XX/XXXX he will not have to make any payments but they will now charge him " admin forbearance '' which will had another {$400.00} on top of his loans.
I have told them repeatedly not to call my mothers home since she is not a party to the loan agreement. I have reported them in the past for repeatedly harassing my mother, only for them to say they have no record to the calls. They clearly do and these illegal tactics should be pursued in court. I have meticulously detailed each call and my attorney can provide a record.
On XX/XX/2016 I sent a dispute letter to Equifax via certified mail regarding my XXXX XXXX account # XXXX. I received an Equifax signature confirming receipt of my letter. In my letter I disputed the accuracy of the delinquency reporting of this XXXX loan and requested that the account be removed from my credit report. I called Equifax on XX/XX/2016 to check the status of the dispute and Equifax informed me that they made a mistake and never submitted a request to XXXX XXXX to dispute the accuracy of the delinquency reporting. The Equifax system did not register the dispute properly and they only contacted XXXX XXXX to verify that the loan has been transferred to another lender ( this information was not part of my dispute ). Even though I submitted my dispute over 30 days ago Equifax will not remove the XXXX loan account from my credit report as requested. Instead they want another 30 days to contact XXXX loans, even though my dispute was properly submitted and Equifax confirmed receipt. In accordance with federal law, this account should be removed from my credit report since it has been 30 days from Equifax 's receipt of my dispute. If Equifax wants to correct their system error and follow up again with XXXX XXXX to submit the dispute properly that is their option, but that does not change the fact that in accordance with federal law Equifax had 30 days to investigate my dispute, they have not received information denying the facts that I stated in my dispute letter within that 30 day period and the credit report should now be changed to reflect the facts stated in my dispute. I can not wait another 30 days for them to get this right because I am in jeopardy of losing a house that I am trying to purchase because my credit report is inaccurate. I should not be penalized and suffer these consequences because Equifax did not handle their investigation properly.
Complaint : Pacific Union Financial reported a late payment for XX/XX/XXXX Timeline : -XX/XX/XXXX XXXX XXXX XXXX called to inform me that I was late on my mortgage. At the time I communicated that my loan was with Pacific Union Financial. XXXX XXXX explained that Pacific Union Financial sold my account. I then called Pacific Union Financial to validate and confirm the accuracy of what XXXX XXXX was reporting. Pacific Union Financial confirmed that the mortgage was transferred XX/XX/XXXX -XX/XX/XXXX Pacific Union Financial failed to notify me that the mortgage was sold to XXXX XXXX. 
-XX/XX/XXXX payment was never retrieved from my account by Pacific Union Financial -Pacific Union Financial reported the account late in XX/XX/XXXX. 
-XX/XX/XXXX correspondence was sent by Pacific Union Financial informing of the transfer AFTER the phone call was placed by self. 
-XX/XX/XXXXa welcome package was sent by XXXX XXXX after my request -XXXX XXXX  " XX/XX/XXXX payment '' was finally retrieved after I was able to acquire account information. 
-XX/XX/XXXX I ran my credit report and noticed the derogatory report and sent a complaint to Pacific Union Financial . 
-XX/XX/XXXX Pacific Union Financial replied stating that they would not remove the late XX/XX/XXXXpayment form my credit. 
-XX/XX/XXXX complaint is being filed with CFPB.
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX and the collection company FRANKLIN COLLECTION SV a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
I also tried to dispute it with XXXX and Experian but they both put a wall up as well. I suspect they are in collusion with XXXX XXXX to keep it on my record. Sorry, but I will not be a tax write off for these large companies. XXXX XXXX is purposefully keeping a closed account on my credit with the aid of all three credit bureaus past the XXXX years which is in direct violation of what the FCRA says and other federal laws stipulate regarding accounts. I only know about their credit reporting fraud schemes because I used a website called XXXX XXXX to check my credit.
BBVA Compass froze my account without notice after cashing a fraudulent check because they did n't do their due diligence and verify funds availability of the check ( POLICE REPORT FILED ON WEDNESDAY, XXXX XXXX, 2015 WITH THE XXXX SHERIFFS OFFICE IN XXXX, FLORIDA ). Further I was not notified in any way about my account being frozen or the fact that they are going to hold my employer based direct deposit and all other accessible funds on my account, which has placed my family in dire financial constraints even for basic necessities. All of this was without knowledge to me of what the bank was doing with my account/ my funds. All of which violations of Regulation E, Graham Leach Bliley Act, Dodd-Frank Act and financial acts relative to full disclosure given on actions taken by financial accounts to consumers.
On XX/XX/2018, I sent a letter to Citizens Bank requesting an opt-out of the arbitration clause. I also requested paper statement delivery, a change to my privacy preferences, their fax number, and I reported a website bug. This letter was ignored. It was posted to the arbitration opt-out address. I have attached a copy of this letter. Then on XX/XX/XXXX, I sent two more copies of the letter, each of which were addressed to different addresses ( XXXX XXXX XXXX, XXXX, RI and XXXX XXXX XXXX, XXXX, RI ). Both of those letters were also ignored. Apart from all three letters being ignored, I also confirm that Citizens Bank has not sent me any paper statements. The most recent statement I have on file is that which closes in XX/XX/2018.
I have inquires on Equifax credit report more then 30 days ago I sent letters out demanding an investigation this in the second time about 10 days later Equifax replied letters for each inquiry informing me that they do n't investigate also stating I had to contact the company 's doing the inquiry I had already done that those request mostly went unanswered, or I had contacted Equifax these inquires have inaccurate information that I 'm disputing these are the ones I am disputing XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, X XXXX with Equifax the 30 day investigation period has been exhausted XXXX fair credit reporting act i am requesting that your agency enforce the fair credit reporting act with Equifax.
This bill was pay by XXXX when I was XXXX XXXX XXXX XXXX
I recently received a cash bequest which I used to pay off large amounts of debt. I did this for 2 reasons ... 1. I am now a retiree and I wanted to reduce my monthly outgoings and 2. I wanted to improve my credit score as I am about to purchase a new car ; I wanted to finance this. 

I paid off my ~ $ XXXX mortgage and my $ XXXX HELOC with Chase and I paid off my $ XXXX Auto Loan. I still have another auto loan ( ~ $ XXXX ), a 0 % interest credit card with about $ XXXX outstanding, my XXXX XXXX XXXX and I have no serious delinquencies. 

My initial complaint was with Chase as they were still reporting my ~ $ XXXX HELOC as outstanding nearly 2 weeks after I had paid it off and this was affecting my credit utilization which was at 51 % before the loan payoff was acknowledged ; this gave me a credit score of around XXXX. I applied to XXXX XXXX for an auto loan for my new car and I was turned down flat by every lender. I was told that my credit utilization was too high. I complained to Chase and the Credit Reporting Agencies that old data was being reported and this was detrimentally affecting my ability to borrow money and Chase fixed the reporting on their end. 

I didn't need my HELOC anymore and I was not going to use this for my Auto Loan as the interest is too high and it's an adjustable rate. Chase asked me if I wanted to close the account which, of course, I did as the account is redundant. Nobody warned or advised me that this could have a damaging effect on my Credit Rating. 

Once XXXX  acknowledged that the loan had been paid off, they sent me a mail alerting me to a change in my credit score. I had paid for credit monitoring and I logged into my dashboard to find that my credit score had dropped to XXXX. I called XXXX to discuss this and I was told that the act of closing my HELOC was/is viewed negatively but they were unwilling to explain why. 

I have an excellent ( 24 year ) record of responsible borrowing and on-time payment. I now own my house free-and-clear ( ~value $ XXXX ) and my current car ( ~ $ XXXX ) and I have liquid assets of around $ XXXX and semi liquid assets XXXX investments ) of around $ XXXX. 

Why did Chase not warn me of the potential negative outcome of closing my HELOC account? 

Why am I being penalized for paying off my debts? I can now no longer borrow money at all. If I could borrow, it would be at exorbitant rates of interest. 

How can this be fair or even legal? 

Why are people not given clear information on what affects their Credit Ratings so that they can make the appropriate decisions? I would not have closed my HELOC account if I had known that this would cause my credit score to crater.

It seems that I am being blackmailed into staying in debt to avoid my credit rating being damaged ... this is extortion.
Ocwen Bank submitted a Motion to Default on the home loan while I am currently 50 % ownership and was protected under the Bankruptcy  Chapter  XXXX  laws.   XXXX      XXXX  Currently I received an order substituting Plaintiff to    XXXX   XXXX    ( originally  Ocwen  ) which t he order was filed before I received the notification about the substitution which I oppose and will submit this to the court.    Ocwen  filed the Default and   XXXX   XXXX   XXXX   wasnt assigned  the servicing company on public records or properly notified all parties of ownershi p of such change.   I am the other person who has legal interest in the property and the one that is not receiving proper notification or servicing..   Please submit this to the highest level of investigation as you will find o ut Fair Foreclosure Act has be en violated along with other discrepancies with this process.   This appears to be an under handed way to obtain a summary judgment without serving me the proper complain t, notice of intent to foreclosure or corrected notice and since Ocwen is   trying to substitute Plaintiff   XXXX   XXXX   XXXX   XXXX   as Trustee for  XXXX  Master Participation Trust seems to be a conflict in its self since they have not submitted any documents as well.     This is  XXXX  starting all over again with in proper banking practices and attorneys filing documents without notification to all legal interested parties.     Robo signing practices no  XXXX  checking all servicing documents etc
My unemployment check was deposited XX/XX/2018 and XX/XX/2018. 

The banks has added so many fees they charged me {$1200.00} in fees taking the majority of all my money and they can not explain the charges. This is an overt abuse of fraud XXXX XXXX : PAYMENTS ID : XXXX   XXXX  : XXXX XXXX XXXX ID : XXXX  XXXX XXXX XXXX : PAYMENTS ID : XXXX XXXX : XXXX XXXX XXXX ID : XXXX  XXXX Rewards Savings - XXXX  Summary Available balance ( as of today ) : {$18.00} Help for Available Balance. What does this include?

Bank of America Account