WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a CFPB complaint # [ Case number : XXXX ] against Speedy Cash. 

*****My requests were simple : 1 ) for them to remove the excessive, multi compounded interest and fees - especially after I was misinformed and mistreated when attempting to go end center near closing to asking for a reduced, fair payoff so that I could resolve this issue. 
2 ) I tried to explain that I was a XXXX and now in extended homeless location for safekeeping and for business and personal advocacy assistance. This is the ONLY matter where I have not gotten fair treatment or response. 
3 ) I want a low, fair pay off minus excessive compounded fees -especially when I have asked for a pay off in person. 
4 ) Speedy Cash rather rushed and sold the file to some outfit called XXXX XXXX XXXX XXXX to avoid mailing me a simple, payoff less all those monstrous, unfair fees given my personal and now medical hardship that I attempted to verify regarding a recent very extensive and expensive XXXX. In good faith, I have tried to get help. I now need the CFPB to assist me toward a DEMAND for low affordable payoff IN WRITING from Speedy cash. I also want to combine this complaint against XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ref file # XXXX. 

5 ) I am demanding that Speedy Cash retreive the file, send a low, fair, affordable, payoff IN WRITING and not by phone since they are dishonest to conclude this matter. The Speedy cash account information is in the above reference CFPB complaint # [ Case number : XXXX ] Thank you for helping consumers from the deceitful practices, mistreatment, etc of such outfits. I was and still am distressed with dealing with them and all related issues. I, with my State advocates are now working to resolve this matter. Again, thank you. XXXX XXXX XXXX Tx XXXX
As of XX/XX/XXXX there is a derogatory mark appearing on my Transunion Credit Report from XXXX XXXX. However, I do not recall ever taking out any lines of credit from XXXX XXXX. 

Specifically in dispute are the derogatory marks for XXXX and XX/XX/XXXX. In accordance with laws governing credit transactions in Kansas. XXXX XXXX would have been required to be registered with the Kansas XXXX Banking Commissioner under K.S.A. 16a-6-201. I have checked with the Kansas State Banking Commissioner and they were not licensed with the Kansas State Banking Commissioner until XX/XX/XXXX, meaning any contracts would be void, as they did not have authority to enter into any contracts in Kansas before XX/XX/XXXX. 

Additionally, I allege any such loans are in violation of the Kansas Consumer Protection Act, Truth in Lending Act, the UCC and are void because they fail to meet the requirement of having an original signature as required by Kansas Law. 

Finally, as I do not recall ever entering into an agreement for credit with this company I also never recall giving agreement for my credit to be pulled or to have this company report to my credit bureau, which I contend would have to have an original signature.
My husband died suddenly in XXXX. We held our house in joint tenancy with rights of survivorship so that the house passed to me directly by action of law, but I was not on our Wells Fargo mortgage. I had been named on all of our previous mortgages, but was not on this XXXX as I was not working when we refinanced and it was more convenient for my husband to take care of it without me. He was only XXXX when he died, and we did not foresee the complications this would cause me. I have been trying to get my name substituted in on the mortgage, but have been told I would have to prove my ability to repay, a months long process which would include a fee. I told the company this was not legal and asked that they speak with my attorney, but they have refused as my deceased husband has not authorized them to speak to my attorney. I have sent them his death certificate as well as a copy of the XXXX XXXX, 2014 CFPB ruling stating that in cases like mine the ability to repay rule is not triggered, and supporting my desire to be added to the mortgage as an obligor without qualification or fee, and all I have got back from them so far is letters to my husband who they know is deceased telling him they are reviewing my inquiry. This little mental gymnastic they are doing is ridiculous and insulting. Also, I think its a pretty neat trick that they feel as if they can do whatever they want and refuse to talk to the attorneys of the people they are wronging while doing it. I think that Wells Fargo is violating my rights and I would like them to be made to act more ethically and sensitively. The letters to my late husband are just the last straw.
XX/XX/XXXX I purchased a vehicle. My first purchased vehicle I paid off after 4 years with a 14.9 % interest rate. The lender of my second purchase was Americredit XXXX Later, bought by GM financial. After paying {$20000.00} of the {$25000.00} loan with a 19.9 % interest rate and a {$340.00} monthly payment. My vehicle was repossessed. For 2 years I paid on time, initially I was told after paying on time for at least 2 years I could refinance. That never happened. I became unemployed from XXXX. I informed Americredit/ GM financial of my employment status and continued to pay what I could, when I could in a timely manner. I would pay what I owed along with any late fees incurred. XX/XX/XXXX I worked a temporary job for the winter. I was able to catch up on my payments. I even made early payments toward my principle amount. The lender regularly accepted post-dated payments over the phone. On several occasions the lender would refuse to take partial payments, including the website. My vehicle was repossessed despite my attempts to remain in good standings with the lender. The lender has now sold the debt to another company, further damaging my credit. I have recently learned about XXXX and how minorities were targeted for higher loans. Online I have discovered many others who have went thru the same process as I have.
Two transactions were allowed to debit my account without authorization. I have filed a dispute. The card holder agreement states that provisional credit is to be provided within 10 business days. The date they have set for update is more than a month from the filing date which is a clear violation of their own terms and conditions. They're not protecting me as my financial institution. Please assist. I am also attaching their terms and conditions to this complaint for reference.
Hi, I got a call from someone named as XXXX calling from XXXX Loyalty Department and said there is a promotion going on n based on that your bill will be reduced to 50 % monthly but you need to make the advance payment for 1 year which would be {$420.00} ( {$35.00} per month x 12 months ) and you need to buy a ReloadIT prepaid card using cash. It will be a scratch card and once you buy scratch and give me the number and I will load money into your account. Few of my friends have already did so, I did the same and money started reflecting in my XXXX account as + {$420.00}. But when my new bill got generated it was for same {$70.00} with {$20.00} return payment charges. When I try to investigate n chat with XXXX they said we have refunded the payment to your bank account but I said I never provided any bank account details so, provide me the details to which bank you have refunded they said they did n't have that detail. When I called ReloadIT company n asked to provide me my prepaid card transaction history they said your money did n't went to comcast, it went somewhere else but we can not provide these details to you, we can only give it to concerned authority person like police officer or a lawyer. So, now I do n't have any track to my money where its gone. I am trying to reach to that number but call to not going through. Its looking like a somone internally involved from XXXX who did this scam that he has access to my account to do the transaction. I do have a mail from him but I ca n't reply to that email ID as well.
Creditor call to settle for {$14000.00} its been  7  yrs still paying {$150.00} a mth and the statements show i owe {$21.00} i call only talk to  XXXX  person he said it will show what my balance was before they buy contract..never get actual balance.
I disputed with Experian on XX/XX/XXXX on XXXX XXXX, Account # XXXX. They stated it was verified and updated but they didnt actually verify it. There has been no date of status since XX/XX/XXXX which means the account was never investigated. This is a violation of FCRA and FDCPA and it needs to be deleted immediately!
XXXX XXXX ( XXXX XXXX XXXX ) ACTION : XX/XX/2017 This letter is regarding an account, which you claim I owe {$600.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
InXX/XX/XXXX Barclays offered to help with payments by decreasing the interest rate & I would pay a set amount. I setup automated payments on their website which was fine. Credit report shows payments being 30 days late when I do not believe they were. In XX/XX/XXXX I continued to make payments in accordance with their terms although in XX/XX/XXXX they reported I made no payment when in fact they debited my checking account. I believe this little posting error led up to me not meeting the conditions set forth & allowed them to get out of this contract to pay up my balance at a lower interest rate but not have any revolving credit. I tried in XX/XX/XXXX to make a catch-up payment but they had already selected my account for collections but I had not yet been contacted by the collection agency. This company has made thousands of dollars from me in interest charges but yet did not offer me any loyalty to eventually pay off my debt. It was easier for them to write me off. In the final days of my account they show me as up to 180 late yet I was still on their reduced payment plan. My credit was hurt from this.
XX/XX/XXXX we were approved for a program called Keep Your Home California ( KYHCA ) for Unemployment Mortgage Assistance. Since I was unemployed I wan not able to pay my credit card bills and subsequently filed for Chapter XXXX bankruptcy protection. My bankruptcy was discharged on XXXX XXXX, XXXX. On XXXX XXXX XXXX my mortgage servicer ( Select Portfolio Servicing ) incorrectly informed Keep Your Home California that I was in an " Active '' bankruptcy when in fact I was not. My bankruptcy was discharged on XXXX XXXX, XXXX. Now that my bankruptcy stay has been lifted ( after the discharge ), Select Portfolio Servicing ( SPS ) said that they will no longer accept payments from KYHCA even though I still qualify for the program based on my unemployment & the fact that my bankruptcy was discharged on XXXX/XXXX/XXXX. I called their Ombudsman department & spoke with XXXX XXXX & XXXX XXXX and they confirmed not receiving the Federal Bankruptcy Court letter of Discharge in a " timely '' matter ( even though they are listed as a creditor on the Bankruptcy Court documents ). According to the SPS Ombudsman department, this is why they are planning to return the last payment made by KYHCA made on XXXX XXXX, XXXX and will cause us to go into default with their account. Both Select Portfolio Servicing XXXX KYHCA are aware that I am still unemployed & can not afford my mortgage payment. KYHCA has stated that they are willing to make payments on my mortgage but that it is up to SPS to accept these payments. 

I feel that SPS is taking this action after my bankruptcy discharge because they know that I am no longer under the bankruptcy court mandated stay. They have appraised our home above what we owe SPS and feel no risk in forcing my family into foreclosure even though they admit that they would be able to accept payments from KYHCA after the bankruptcy discharge ( if they would correct/update their records ). 

They admit taking the following action after the bankruptcy discharge date of XXXX XXXX, XXXX : 1 ) Knowing that we are no longer under a bankruptcy court mandated stay 2 ) Returning the last mortgage payment made by KYHCA on XXXX/XXXX/XXXX causing us to go into default. 3 ) Sending a letter to KYHCA on XXXX XXXX, XXXX stating that they would no longer accept their mortgage payments on our behalf. 4 ) Having an appraised value of our home greater than the amount owed to SPS. 5 ) Confirming that a payment would normally be accepted by KYHCA after a bankruptcy discharge. 

Any help would be appreciated. 
Thank you, XXXX XXXX XXXX
I purchased a TV and stand from Conn 's. I had unemployment insurance and thought that would cover my payments until I could secure another position. The insurance division refused to pay the payments stating that since I resigned ( this was a forced resignation ) that I did not qualify. 
They have been calling me at work, at home, on my cell, up to 8 times a day. 
This is harassment and illegal. I also told them to stop calling and they still are calling. 
Please assist.
Some one stole my Identity theft and opened an account from XXXX XXXX of Georgia. This is the second collection agent trying to collect this debt I do not owe.
I have XXXX credit accounts showing on my credit report for XXXX and XXXX. I do not know what these accounts are and I did not use either of these accounts. I have tried to contact both credit companies and could not get any questions answered. My credit report is showing as an authorized user on both these accounts. I did not consent to being added on either of these accounts nor did i use them.
Credit report shows extremely vague public records ( no details ) that I am unfamiliar with. I understand that as of XXXX 2017 public records are not even supposed to be on credit reports. I contacted TransUnion about this about a week ago and filed a dispute. I recently received an email from TransUnion that the results of their investigation were complete. I called into a representative since I could not log into website and told that the public records were still on my report. I asked why and representative told me that he could " refile my dispute ''. I told him that first of all the information is vague on the public records and is n't true that public records are not even supposed to be on credit reports. The representative agreed with me. So why is it still on my credit report?
Dear XXXX, Complaint against CITIBANK, XXXX, hold client 's money which was wired from XXXX to XXXX more than fourteen days and did n't forward money to final beneficiary me XXXX XXXX account XXXX XXXX XXXX, XXXX. 
Further more, CITI Bank never forward money to my account XXXX XXXX XXXX, sender recalled money back and CITIBANK will charge money to sender for recalling money back and may takes another 10 days.It is very ridicules and very bad practice. 
The sum of XXXX {$5500.00} with all charges paid upfront was transferred on XXXX XXXX XXXX by XXXX Bank, XXXX to my account with the XXXX XXXX XXXX on behalf of my partner, a XXXX XXXX XXXX. 
The compliance queries raised by Citibank were dealt with by XXXX Bank on XXXX XXXX and XXXX XXXX respectively certifying the status of the sender, XXXX XXXX XXXX XXXX and the source of the legitimate funds ( savings accounts ) .CITIBANK has not raised any subsequent queries nor have they forwarded the funds to me as beneficiary to the XXXX XXXX XXXX XXXX 
I am a XXXX XXXX. My partner, XXXX XXXX XXXX XXXX and I have jointly bought a condominium in XXXX XXXX XXXXXXXX in XXXX XXXX. He did fund transfer before which was never more than three days to my XXXX XXXX XXXX account. 
I am concerned that CITIBANK has still not forwarded or routed the funds to my bank, XXXX XXXX XXXX without giving my partner 's bank any explanation even after all due diligence were complied with. 
As a result of this undue delay, XXXX XXXX has now requested his bank to recall the funds from CITIBANK, XXXX with full compensation. It appears that CITIBANK will deduct expenses and charges even though these were paid upfront before sending the monies back and at their timescale! This practice is unacceptable in international banking especially when the problem lies with CITIBANK. 
My partner, XXXX XXXX is currently here in the XXXX to be with me and he needs the funds to cover the expenses of the refurbishing of the jointly owned condominium in Florida. 
Details of Transaction and Transfer of Funds from XXXX XXXX to the XXXX XXXX XXXX. 
XXXX. SENDING BANK : XXXX XXXX BANK XXXX, XXXX XXXX. SENDER : XXXX XXXX XXXX BANK DETAILS : REF : XXXX XXXX SENDER 'S REF : XXXX XXXX DELIVERY REF : XXXX DATE OF TRANSFER : XXXX XXXX XXXX TRANSFER INFO : REQUESTED AMOUNT XXXX {$5500.00} RATE OF EXCHANGE XXXX XXXX XXXX CONTRACT : XXXX BANK XXXX CHARGES : GBP XXXX AGENTS BANK CHARGES : GBP XXXX AMOUNT DEBITED TO XXXX XXXX 'S ACCOUNT : GBP XXXX XXXX. THE SUM OF XXXX {$5.00} WAS SENT TO THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITIBANK XXXX corresponding bank of XXXX for the BENEFICIARY, XXXX XXXX XXXX. BENEFICIARY 'S ACCOUNT : XXXX XXXX. ROUTING NUMBER : XXXX MONEY TRANSFERRED ON XXXX XXXX XXXX FUNDS ARRIVED IN CITIBANK ON XXXX XXXX XXXX QUERIES RAISED BY CITIBANK ON XXXX XXXX XXXX XXXX BANK RESPONSE ON XXXX XXXX XXXX XXXX BANK RESPONSE TO COMPLIANCE ON XXXX XXXX XXXX XXXX XXXX MADE SEVERAL INTERNATIONAL CALLS TO HIS BANK IN THE XXXX TO XXXX UP THE PAYMENT TO THE BENEFICIARY. 
XXXX XXXX EMAILED HIS BANK TO RETRIEVE THE MONIES HELD BY CITIBANK WITH COMPENSATION FOR NON DELIVERY OF THE SAID FUNDS TO THE BENEFICIARY ACCOUNT ON XXXX XXXX XXXX.
TransUnion and XXXX continue to lie on my report, leave out accounts and important information and they are guilty of damaging my financial well being and all guilty parties should be arrested and incarcerated! How am I supposed to obtain credit when the credit reporting agencies lie and cause me to be rejected? Can I file charges? Can I refuse to let them monitor my credit? After all they 're criminals! XXXX is the most accurate of the XXXX they at least list all my accounts and have the correct percentage of my credit used and my total credit amount.
I refinanced my rental home and my loan was sold to Loan Care on XXXX XXXX,2017. I received a mortgage statement in XXXX for 2 months of mortgage payment. That was paid in full in the month of XXXX 2017. Before that mortgage statement was sent to me, Loan Care placed on my credit report that I was delinquent by 60 days. I have been in touch with them and I do have a customer complaint number : XXXX XXXX. They have as of this date not removed the error from my credit report.
My loan documents clearly state that as the loan was opened with a primary loan there are no annual fees, This is at least the 3rd time now that Santander Bank attempts to charge me a {$50.00} fee which then causes me to have to spend hours explaining to them that my loan should not have a fee.
I contacted Experian on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : XXXX XXXX.
Bait and Switch Good Afternoon, I am writing to you to explain how displeased I am with this company. I honestly feel like you pulled a Bait and Switch routine. I came to One Main seeking a personal loan to cover some debt. You were only able to do a portion of the amount I needed. I was fine with that and was ready to walk away. Then you start telling me about taking over my car loan and I could then use that as collateral for the additional funds I needed as another personal loan. I gave you permission to talk to my wife to help facilitate this process and you repeated told both of us that in the future I could refinance and take the car out of the loan if i found a new car i wanted to purchase. You went on and on about being able to do that and gave examples how to do it the right way by contacting you guys first because you've had customers just go through the dealership and which caused hiccups. I feel so manipulated and taken advantage of. I even stayed at your office for 3.5 hours while this was being hammered out. you had to do certain things so the system would take it and again you insisted I could refinance and take the car out when i was ready to purchase a new vehicle. 

As you see the email below ; i asked to do just as you instructed me to do. then you call me and tell me i am not able to take the car out of the loan and that the total loan is XXXX for the car. The way you presented it was not like this. Your word choice suggested the car could come out and the rest of the personal loan would be refinanced. 

Had you explained it correctly I would have never went through with the loan. But you knew that and that is why you presented it the way you did. So basically in a nut shell you created a car loan for an estimated 13K when it was worth only maybe between {$7500.00} and {$8500.00}. 

How you and your company handled this situation is complete wrong. You all should honor what you stated repeatedly to us and pull the car out and refinance the rest of the personal loan. 

I want this situation resolved.
I was trying to get my free credit report, and as I was verifying information, one question said that XX/XX/2015i took out a mortgage loan. And I did not take out a mortgage loan. It also had different loan companies listed, nothing looked familiar to me, the question was how much were my mortgage payments each month, again I do n't have a loan payment to pay. Then another question was on XX/XX/2015 XXXX, XXXX, and other credit card company 's were issued with my information. And that was n't me either, this could explain why I 'm denied a rental or anything because of this .I recently filled out a rental application and was denied. I 'll be homeless soon and wo n't be able to get a place because landlords are gon na think it 's me when it 's not me.