WillisBack/dataset-financial-user-claim huggingface dataset:
I believe I was a victim of predatory loaning. I was given loans of over {$20000.00} while homeless with absolutely no way to pay them back and was not given proper counseling. There was no system in place to decide if I was a proper candidate to recieve loans and in all other situations where lenders are in involved it would be impossible for a person with zero income that was also homeless with very poor credit to recieve such massive loans. I believe these practices are predatory and should be illegal. I do not know how to continue with this complaint or whobto contact.
I opened a card with JP Morgan chase bank in XXXX. Their first statement got issued on XXXX XXXX, 2016 with a balance due ~ {$2700.00}. My payment was due on XXXX XXXX and I made my payment through automatic minimum payment setup. Then I posted {$5000.00} payment on XXXX XXXX. JP Morgan chase assessed finance charge of {$73.00} on while balance due and not only on the balance that was leftover from first statement. I called up customer service and they mentioned they charge interest on the whole balance. That means, even if I purchased an item on XXXX XXXX, they will still charge a full month of interest on the balance due on XXXX XXXX. That means I am paying interest for time on an amount for which I did not borrow the money. This is inappropriate and robbing money from small consumers like us. Please help and review. With this type of payment policy JP Morgan is looting XXXX of dollars from consumers for the time where money was not borrowed. They pointed to the agreement we signed which never shows example of the case above.
A fraudulent XXXX XXXX XXXX debt has been floating around in my name. I have confirmed with XXXX XXXX XXXX that not only they did not pass any debt to collection agencies, I have never had outstanding balance period. Now, this AFNI collection agency is trying to collect this fraudulent debt from me.
Portfolio Recovery Associates has been and is knowingly reporting false information and using false threats of imminent lawsuits to attempt to collect a debt. 

I began receiving threatening phone calls on multiple phone numbers belonging to myself, my XXXX parents, and my girlfriend, where Portfolio Recovery Associate 's employees were stating an attorney had reviewed my file and a lawsuit was going to be filed in XXXX XXXX county, where I resided. As these were mainly left as voicemails with no identifying information, it scared and intimidated my family and I. I began incessantly checking the court docket to see who might be trying to sue me. I was n't aware of any pending litigation and had not received any type of written communication. My XXXX mother is still afraid someone is going to sue one of us due to these calls and voicemails that she received as well. I retrieved my credit report and found XXXX accounts listed from Portfolio Recovery Associates. I was alerted to the CFPB investigation and realized I was a victim as well. 

Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus. Apparently they bought XXXX accounts, XXXX from XXXX XXXX and XXXX from XXXX XXXX and have continued to falsely report themselves as a factoring account company which they are not and they list a past due balance, but I 've never entered into any contract with Portfolio Recovery. How can I be late? The account numbers are partially listed on my credit report as XXXX and XXXX. This is a collection account that is not being reported as such and is further negatively affecting my credit report and score due to this company 's false reporting. I 've attached a screenshot of my credit report showing I have no collections, but yet Portfolio Recovery remains due to their false reporting. 

In addition, they are inflating the amount owed to show an amount higher than what was reported by the original creditor as shown in the attached screenshots. They are also falsely reaging the account, reporting a date of first delinquency that is much later than actual, forcing this to stay on my credit reports longer than it should. I 've attached the payment history reported by the original creditor, showing a much earlier first delinquency. 

Portfolio Recovery Associates has made my life a living nightmare, with the threatening phone calls, and intentionally reporting inaccurate information to essentially poison my credit report. They 've never even mailed me a dunning notice so their sole intention is using aggressively deceptive, illegal tactics. 

We are looking to purchase our first home and this is severely hindering the process and causing a great deal of XXXX. We have a small child with XXXX plus XXXX and need this to be resolved ASAP.
I have had a Lowe 's credit card since XX/XX/XXXX. It was taken over by Synchrony Bank within the past 2 years. The bill comes due on the XXXX of the month. I have paid my bill, usually on time or within 7 days. since I opened the account, Within the past few months, XXXX, XXXX and XX/XX/XXXX I paid the bill within 7 to 15 days. XXXX was on time XXXX was 6 days late. In the middle of XXXX, I was injured in a serious accident and was incapacitated for over 6 weeks. During the time I have had the card, the bank has raised my credit availability several times without my asking.
On XX/XX/XXXX I got a letter from the bank saying they were reducing my credit availability from over 4500 to XXXX. Due to several reasons which are questionable to say the least. # maximum consecutive months with a balance increase 6 months, # Used too much of my credit limit within 6 months ( {$1000.00} I think ) # % of time payment was greater or equal to the Balance ( I was never aware the balance needed to be paid off in full every year ) and # low ratio of payments vs amount due. ( I pay more than the minimum amount owed every month.
The real problem is the amount they reduced my credit line to, is an amount which is {$7.00} dollars less than all the fees they are charging, which created an over limit on the account, ( when I was never anywhere near the limit to begin with ) which I am being penalized for, which they are increasing the APR rate by over 10 % which I believe is a predatory action on their part.
I could care less about the limit reduction. What I am upset about is they are using their action in an arbitrary, capricious reasons to destroy my credit when I really did nothing wrong. I paid more than the minimums they asked for. If they needed a larger payment they should have stated so. I am not a mind reader. I want the the credit to be increased to {$3100.00}, to cover the {$7.00} they charged which created the over-limit and I want the derogatory information from this incident removed from my credit report, and all fees made by over limit returned to me, and the APR set back to where it was when the account was issued, Thank you.
XXXX XXXX XXXX va for XXXX XXXX was offered to get there student loans forgiven because the lack of jobs XXXX promise is wasnt true we suffered from lack of employment and now theses loans are missing with me bettering myself with XXXX kids in my life and its not fair for me to struggle after I went to a school with broken promises and graduated on the deans list
My mortgage servicer is Select Portfolio Servicing, Inc or " SPS ''. In my monthly statements I have been charged {$190.00} for " unpaid late charges '' and {$290.00} for " other charges and fees. '' I was not sure what these charges were for as I am currently up to date on my mortgage. I contacted SPS and the representative advised that part of these charges were transferred over from my previous servicer, XXXX, when the mortgage was assigned to SPS in XX/XX/XXXX. She advised that when the mortgage was transferred there were {$190.00}. XXXX in late charges and {$150.00} in " other charges. '' She also claimed that there were three additional late charges of {$29.00} for XXXX, XXXX and XXXX XXXX and three {$15.00} inspections for the same months. However, I do not think this is correct and that these charges may be a mistake. When my mortgage was transferred to SPS, I was current on my payments and had taken care of any previous fees. I did fall behind on my mortgage a couple of years ago and then reinstated it. When I reinstated my mortgage the representatives advised that I had paid all of my late charges, so I do not understand why I am now being charged for unpaid late charges for those months in XXXX. In addition, the representative from SPS assured me that the {$15.00} inspection fees would be waived.
For the past three months, I been getting calls from a XXXX number claiming to collect a debt. They do n't call once a day, they call all throughout the morning, afternoon, and night. So finally I answered and a rude guy named XXXX XXXX answered. He goes on to say I owe XXXX and they were going to serve papers that day. When I was trying to explain what happened from preventing me to pay that bill. He got smart and loud with me talking to me like I 'm stupid. Around that time of getting a loan, I was a victim of identity theft so a lot of things had to close like my old bank account and a hold on my social. He claims I had bounced checks etc, but remind you I 'm telling him about my identity theft, but he was so inconsiderate and still was getting smart. So I made payment arrangements so the papers would n't be swerved but on the other hand he ( XXXX XXXX ) is still making harrassing phone calls saying random things.
I never received statements from   XXXX   XXXX  . When did get them I was in hospital and explained to them. Caught payments up and they closed my account. Have asked them to reduce interest rate or reopen account. This is the only mark on my credit score.
I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX BANK Acct # : XXXX
THE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND THEIR COLLECTION AGENCY ( XXXX XXXX XXXX VIOLATED THE " DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.
I have a Auto loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX, XXXX and XXXX XXXX with no successful resolution. Equifax, XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.
I have disputed with all three credit reporting agencies on XXXX XXXX XXXX XXXX in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX certified mail and fax. I have included proof that I have never been late on the account. There is no way they have verified that account because it shows the loan type as child support and child support is not a loan. I have never took a loan out from the XXXX XXXX XXXX XXXX. That is n't even supposed to be reported because child support is Title IV-D which is not a loan. I provided proof that I have never been late and documentation showing them that they are not suppose to report it because the XXXX XXXX XXXX XXXX does n't give out personal information to include SSN or anything related so there is no way that they should have reported VERIFIED through that electronic system that lacks integrity. I am contacting you to prevent from pursuing any legal action in small claims, state, or federal court which I am prepared to do if this matter is not resolved by all three reporting agencies.
I was contacted by phone by a man who said he was calling from a law office, and that they were collecting on a loan that I owed to Multiloansource.com. He said I owed {$600.00} on the loan, and with late fees over time, I now owed {$1300.00}. But then he said that he would work with me, and that if I paid {$330.00}, within 24 hours, then that would settle it. 
I did have a loan from a few years ago, and I did have as dispute with the lender, because they took more debits than they were authorized for, and so I did not pay them anything else, but had paid back much of the loan. I am not certain if the loan was with multiloansource or not, and I could n't find documentation to support that they were the lender I used. I have also gotten a lot of other calls from other debt collectors who say I owe on a payday loan from online, and they all had things they said which made me think it was a scam. 
When I asked for information to be sent on the documentation of what was owed in writing, they said they could n't send me anything by regular mail, but that they could send something by email. They already had my email address, which I thought was strange. They also never identified themselves as to what company they were with until they sent the email which appeared to be sent from XXXX XXXX XXXX. The email was just a Word document saying that I owed the debt, but not any proof. I also recently learned that internet loans are void in my state, so I do n't know how they would freeze my assets, contact my employer and garnish my wages, as they said they would do. They said I had 24 hours to respond or they would take legal action.
This mortgage servicer will just quickly respond by letter to appease CFPB, add their number and never actually follow up. I have contacted XXXX XXXX, left a message via email as well as phone to no avail. I am responding to a request for XXXX and XXXX payments totalling {$2500.00}. Please note ; XXXX tracking # XXXX for {$1200.00} XXXX tracking # XXXX for {$1200.00}.
A  XXXX  's credit card account is now appearing in my name as an authorized user. It was initiated before I was born. It started reporting on  XXXX   XXXX . The account opened on  XXXX   XXXX ,  XXXX , and closed  XXXX   XXXX ,  XXXX . I mailed a request out to have this removed, but have received no response. I have the same name as my father, so I often get his history tied into mine.
I have repeatedly requested verification for the debt that they are trying to collect in the amount of {$1300.00}. I have sent 3 certified letters with return receipts requesting this information and to date have had nothing showing they have the legal right to ask for this money.
OnXX/XX/XXXX, I had made 3 different transactions for {$100.00} each to 3 separate Crypto Currencies thru the website called Coinbase. I have been trying to reach out to the Coinbase contacts and no response. It is nowXX/XX/XXXX and I still have no money in my account on their website. It looks like thru other forum sites that I am not the only person that is having issues with getting deposits to work on Coinbase. Please help.
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified account listed below that remain on my credit report in violation  of 15 U .S.C.  XXXX . You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Where are the documents that you used to verify these accounts and add to my credit profile? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.      XXXX   XXXX   XXXX ,  XXXX   XXXX    XXXX  , defines  Verify as, 1 ) " To prove  to be true ; to confirm or establish the truth or truthfulness of ; to authenticate.  '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of  correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document in your files that proves the accou nt ( s ) i n dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  1st ha nd knowledge of the alleged accou nt ( s ) and all that has ever transpired for the alleged account ( s ),  under oath and under the penalty of perjury. As I am sure that you are well aware, c urrent Federal c ase law states th at, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and t heir responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Re-investigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by  XXXX  ( a  ) ( 4 ).      You have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed account which means that you have NOT verified or you can not verify any of these accounts and under Sec tion 611 ( 5 ) ( A  ) of the FCRA you are required to promptly DELETE all information which can not be verified.     The law is very cle ar as to the Civil liability and th e remedy available to me for negligent noncomplianc e ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuin g litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.     Name of Account : Provide Physical Proof of Verification : Bankruptcy Unverified Account On removal of the above noted accounts please provide me with an updated and corrected copy of my credit report showing that these accounts have been removed.     Thank you,  XXXX   XXXX   XXXX
XX/XX/2018 XXXX CST *****Ive never done business with this company ****** If you are unable to see the message below, click here to view. 

XXXX XXXX XXXX XXXX, Our records indicate that you have an outstanding balance on your account. XXXX is willing to accept less than the full balance by offering you a settlement. At this time we are able to offer you a 40 % discount on your balance. Please contact a representative at XXXX to take advantage of this opportunity. 

This is an attempt to collect a debt and any information obtained will be used for that purpose. 


Sincerely, Customer Service XXXX XXXX XXXX XXXX XXXX OK XXXX You are receiving this message because you have an open account with XXXX. You previously agreed to receive messages from XXXX related to your balance, payments due or made on your account, and actions you may make on your account. XXXX your privacy seriously and does not tolerate spam. You can view our privacy policy here, To report a suspicious e-mail, please contact us at XXXX or call us at XXXX. 

XXXX is a tribal lending enterprise and governmental instrumentality wholly owned by the XXXX XXXX XXXX XXXX, a federally recognized XXXX tribe. XXXX is regulated by the XXXX XXXX XXXX XXXX and licensed soley under the laws of the XXXX XXXXXXXX XXXX XXXX. XXXX is not licensed in any state. Your loan application and agreement were deemed received and accepted, and all aspects of the loan approval process deemed completed, at the offices of XXXX located on the tribal trust lands within the sovereign jurisdiction of the XXXX XXXXXXXX XXXX XXXX. 

If you have any questions, please visit our website at XXXX or call us at XXXX XXXX. Our mailing address is XXXX XXXX  XXXX, XXXX, OK XXXX. 

Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to whom it is addressed. Any review, retransmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.
My card was used at a grocery store for XXXX dollars and then I filed a dispute and was told I could have provisional money in 10 bisness days sent the email to them but the lady gave me the wrong email address since she couldn't half speak English. So now they are telling me I have to wait the full 20 business days to get the money back and I need my money now but it's ok I will be homeless before then because they will not give me my money that is owed to us.
The student loan company is reporting inaccurate information. I 've sent them emails on XXXX different occasions and asked that they correct the reporting. My student loans have been in deferment during the periods they say payments were late. The student loan company provided me with documentation of the my student loans deferment history which shows the loans were deferred the times they reported it to be late. This is becoming redundant. This is an easy fix and I would like them to remove the negative reporting from my bureau
I have no knowlege of the following inquiries on my credit report. I have disputed them on numerous occassions, and the companies have failed to correct the inaccurate information/inquiries reported to my credit report. 
Wells Fargo XX/XX/16 XXXX XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16, XXXX XXXX XXXX   XX/XX/16
This concerns EQUIFAX ; I do not have any problems with the XXXX other credit bureaus. To the point, on XX/XX/XXXX, EQUIFAX refused to provide the Free Annual Report ( online ), and then refused to provide my credit report and score, even though I was indicating, as a 'member ' ( online ) that I would pay for it. Almost immediately, I recv 'd a most disturbing email from EQUIFAX ( member benefits section ) indicating that " A change has been made to the e-mail address for your EQUIFAX account. This confirmation message has been sent to the old and new e-mail addresses. '' This is quite the concern for me, since my wife and I have had only XXXX email address since XX/XX/XXXX and have only used that XXXX email address in all of our dealings with the credit bureaus. I then promptly notifed EQUIFAX that I 've only had XXXX email address. EQUIFAX responded to inform me of a " reference number '' for my " email inquiry '' and that they " will respond within the next 2-3 business days. '' So, now it has been eight ( 8 ) business days later and still no response. This same refusal, again unexplained, took place last year when I requested my Free Annual Report. Kindly assist me by contacting EQUIFAX and asking them to respond to me. There is no adequate reason for EQUIFAX to continue to deny me the Free Annual Report and certainly not a report I am willing to pay for. I want to resolve whatever problem exists but EQUIFAX seems not to care about their responsibilities even if I am a paying customer. EQUIFAX needs more regulation and enforcement of laws protecting consumers.
I was told my mortgage company would be America Pacific Mortgage through the whole loan process by my loan officer XXXX XXXX XXXX of XXXX. Loan went through alls good then I get a billing statement from a company called XXXX who told me they bought the loan yet I am still getting mail from America Pacific Mortgage. XXXX also ran my credit before the loan was even finalized. I tried calling American Pacific Mortgage but could only leave a message and no one is calling me back. My first payment is due XX/XX/XXXX and I do n't want to pay the wrong company. What do I do?
XXXX XXXX Trans Union are all reporting a balance of XXXX of a XXXX loan that I do n't own that balance the XXXX XXXX XXXX company was suppsoed to pay this amount but have n't payed this is incorrect information