WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX 2015 I began working with Watermark Home Loan ( broker : XXXX XXXX ) in order to refinance the current ARM on my primary residence. The result of this process was absolutely unacceptable. Only when I inquired about the status of my loan application two weeks prior to the expiry of the 45-day loan lock period, did I learn about missing documentation. I had been under the impression that it was their job to shepherd the process through to completion. Silly me - apparently it was my job! On multiple occasions sensitive documents ( containing social security numbers ) were transmitted via e-mail without password protection ( despite being described as password-protected ). And getting any response from them took multiple e-mail inquiries on my part. Finally, there was no accountability or apology for their total failure to complete the process. Excuses were made about " too many moving parts '' because I am semi-retired and living off of investment income. Meanwhile, I wasted a lot of time and money ( on a useless appraisal ), and lost a prime opportunity to refinance my ARM with a fixed rate loan.
On or about  XXXX     2016 I co ntacted bigpictuteloans to get a payday loan for {$1000.00}. It was approved. The lady I spoke with told me the interest fee was {$250.00}. However, since that time on every pay period they have withdrawn {$250.00} twice a month. I have paid them over 5k. I asked them to stop withdrawing money as they received more than allowed by oklahoma law. They say I still owe over $ 1k. Please assist in this scam they have with their exuberant interest rates. They have been paid 4 times what I owed. I was never informed they would be taking out over {$500.00} a month since  XXXX  of  2016. P lease investigate this matter.   Sincerely,  XXXX   XXXX
I have a loan with CAPITAL ONE. 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 XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX 2017.
Since XX/XX/2018, Sequium Asset Solutions , LLC received a collections file from XXXX XXXX   stating that I was past due. XXXX XXXX then received a call from me asking why. XXXX then explained and expressed their deepest apologies for the incorrect information. They " accidentally '' opened a second account in MY name!! XXXX, the Supervisor at XXXX   sent in a ticket, # XXXX, to Sequium Asset Solutions , LLC to immediately remove this item and No One has yet to respond. It has been well over 3 months now and still no results!! I have never lived in unit # XXXX, which is where they are reporting these lies. My apartment complex has also tried to reach Sequium to inform them I never lived their and no answer ... I am trying to buy a home and Sequium Asset Solutions , LLC has destroyed my chances and my credit, yet I nor XXXX  can get get them on the phone!!! I am pressing charges for breaking the Fair Credit Reporting Act ... But not even my lawyer can get them on the phone!!! Please help ...
On XXXX/XXXX/XXXX, I accessed my account to to make sure that I did not need to submit paperwork regarding my student loan interest in anticipation of filing my taxes in XXXX. I noticed that my loan balances had been increasing every month for several months, and then I noticed that my account was in deferment. After checking my statements, I noted that my account was put in deferment in XXXX XXXX. I neither authorized nor wanted this deferment. My loans were close to being paid off when I last checked my balances in XXXX XXXX, and I looked forward to being relieved of this debt before I graduate from XXXX XXXX with new loan balances to pay in XXXX XXXX. 

My account for these loans has been on auto-payment for a long time, before Discover purchased my loans from XXXX in XXXX. I had no reason to think that my payments were not being deducted as instructed. I received no notice that my account was put into deferment, nor was it requested. The only notice that I received from Discover in XXXX XXXX was an indication that my interest rate had increased, which I attributed to the increase in federal rates. My interest rate was at 3.5 % for two loans and 3.25 % for one other at the time the deferment was instituted. Now, my interest rates are 3.75 % for two, and 3.5 % for the other.

I called Discover for an explanation on XXXX/XXXX/XXXX. Discover 's representative told me that Discover had a company-wide issue with this and had been resolving the cases as they came up. He advised me that several accounts had a " box '' checked on their applications indicating that their account should automatically move to deferment status if Discover is made aware that the customer is in school. I never notified Discover that I was in school, because it was never my intention to defer these loans. Furthermore, I do not recall ever checking a box for this option. The Discover rep moved my account out of deferment and told me that my next auto-payment would be XXXX/XXXX/XXXX. However, this does not resolve the issue that, had Discover not put my account into an unauthorized deferment, my account would have been basically paid off by XXXX XXXX. Also, some of my payments would have been at a lower interest rate. Now, I will be paying for these loans up to my graduation, at a higher interest rate. I asked Discover for remuneration for the inconvenience and increased interest rate and was told that none was currently available for customers, like me, who were affected by Discover 's error.

I contact CFPB today, because Discover indicated that this was an issue that affected many with student loans owned by Discover. Though my loans balances are low, and the amount of additional interest that I will end up paying will be small, other customers have larger loans balances, which will result in a larger payout to Discover in the long run. It is patently unjust that Discover should profit from their mistake. Furthermore, since the error was on the part of Discover, Discover has the responsibility to rectify the error and actively contact any and all customers affected, rather than the other way around.
I have been notified by XXXX XXXX XXXX that my balance is being provided to all major credit bureaus but the account balance is not being updated. I have not been able to pay on this account due to inaccurate balancing updates. I have attached documentation that the balance should be {$960.00} so that I can begin letting my credit union make payments as they did on my behalf. But I find it unfair to do this and the credit bureaus are not doing their part to update the balance. XXXX XXXX XXXX said it was fine to have the credit union mail payments to the original creditor as which would notify them of the payments received as which, XXXX would then in return notify the credit bureaus. There are old debt ( not that I am admitting to these debts ) that has exceeded the time limit but yet displayed on my credit file. For example, XXXX XXXX XXXX expired XXXX 2016 but still displaying on all credit files. Whenever I disputed a debt, I always said " it 's not my debt '' because of the laws to restart the count, but the credit bureaus restarted the counts ( review my credit files, you will see ). I also disputed the " suffix '' on my name with XXXX in Report Number : XXXX because I am not a male and never had " XXXX '' on my name. This is yet to be corrected because I have not received an updated report to reflect this. See attached that reflects this name.
XXXX XXXX, XXXX XXXX XXXX account XXXX   balance of {$880.00} paid in full by check XXXX for {$900.00}. Third party collection agency Pinnacle Recovery attempting to charge illegal 40 percent collection fee. There is no contract provision for collection fees and such fees are illegal according to Louisiana state law LA 9:3534. Vendor refuses to follow law, continues to pursue collection actions, and deliberately misallocated payments.
This is my Third Attempt to have this account with XXXX XXXX Verified. I have sent in letters to all three reporting agencies and I have yet to receive any feed back and it has been over 3 months and no one has corresponded with me anything on my investigation. I have sent information in to the business to have this account verified if I can not obtain legal verification of this account I would like for it to be removed.
XXXX XXXX was the original owner of this collection which showed up on my credit report 2 months ago as being opened in 2011. This is not my account. I filed a police report and provided XXXX and XXXX XXXX a copy. XXXX XXXX removed it from my XXXX account a week ago, sold the collection to Enhance Recovery and as of 2 days ago, started reporting under XXXX. I am assuming as soon as they remove it from XXXX, they will report it to XXXX. They are playing games knowing this was an identity theft and a police report has been provided.
The company was always calling me to make a payment. So when I finally thought I could pay it, I put it on a debit card. Then I realized that I could not pay for it or my family could not eat. I got an email that said the payment has been submitted and if I want to cancel the payment, call a certain number. I called it and there was nothing I could do about it. The payment came out already and now I am struggling to feed my XXXX kids.
TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ATTENTION DISPUTE DEPARTMENT UNITED COLLECTION SERVICE, INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious UNITED COLLECTION SERVICE, INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
This is a collections account showing up on my credit report and I did not apply for a payday loan from this company. It said that a loan was opened on XX/XX/2018 for {$860.00}, and I believe this may be the result of my sensitive information being breached from XXXX by hackers, who may have applied for a payday loan in my name. I have also gotten notice that my SSN has shown up on the dark web. This is not my account and therefore I would like it removed from my credit report.
I had a secured credit card with Capital One. I provided them with a deposit of XXXX and was granted a credit line on XXXX. 
On XX/XX/2017, i cancelled the card and was told via a webpage message that my deposit would be mailed. 
On XX/XX/2017, i, contacted customer service because i have yet to recieve my deposit check. They said it had been mailed and that i should recieve it within 5 business days. 
As of XX/XX/XXXX, i, still have not recieved my check. I called customer service and they said i would have to wait until XX/XX/XXXX ( over 60 days ) for my deposit check. 
It will be close to 3 months for me to receive my money. Its unacceptable and i consider it a seizure for interest profitting with money which is not theres. 
I want my XXXX immediately.
As i was checking my credit report today, stating that i owe amount of {$1200.00} through collection agency PROGRESSIVE FINANCIAL SE. I have never had XXXX. This is a result of ID theft for which i have had to file several complaints with Police and through CFPB
For more than two years, I have tried to get details about my credit files, many of which were wrong or mysterious ; and I had paid for the monitoring plans for each of the big three, Equifax, XXXX  and XXXX. Despite that, and having also paid a legal debt correction service ( XXXX? ) for about 10 months with less than satisfactory results ; and also my Legal Shield law firm, which sent letters to the creditors that refused to supply verification and source of debt details ; and also wrote each of the three reporting services seeking removal of erroneous, old and paid off accounts ; I see that many of these remain, even some XXXX XXXX XXXX ; and lately, a company with which I have a dispute over services and its contention I owe them for early termination ( XXXX XXXX XXXX XXXX ), I now have yet another mark on my credit report. I can not get any results! And it is hurting me.
I just explained the situation on previous page.Chase bank fraud dept.has declined my claim for UNAUTORIZED AMOUNT OF MONEY .This was not in any way a mistake on my part these people stole from me.I sent a copy of my reciept to you.My bank statement has XXXX UNAUTHORIZED CHARGES FROM THIS PLACE THAT IS NO LONGER THERE AFTER JUST 3 WEEKS as i went there myself to confront these guys for stealing from me.These guys charged {$2000.00} that was UNAUTHORIZED AND I WILL NOT JUST LET THEM GET AWAY WITH THIS.Chase has no reason for me why they denied my claim just that they wont reopen it or start a new claim.I will file a police report against these crooks at the very least.I have now seen what this company is all about now that this has happened and they stole my money it was NOT AUTHORIZED and Chase Bank has not protected me instead they are allowing them to steal from people.I will close my account with Chase tomorrow.
15 years ago I opened a low line of credit credit card with XXXX XXXX. Due to unemployment and medical bills from a very sick baby this card ended up in default. It has been over 10 years and now Stenger and Stenger are threatening garnishment for a debt that was written off. The have been renlentless with a debt that is past the SOL.
The debt collector from Crown Management XXXX XXXX keeps calling me for a magnolia schmit but I already told them I do not know her 3 times. They said she gave them my name and number for a references which was not true, they said they were actually looking for my ex and asked for his number at first and his brother I did not authorize them or anyone of them to even have my number. I have repeatedly told him and his supervisor to stop calling my phone looking for her. I have called them back and asked for their address so I can send them a letter to stop calling me and he still insisted on asking me to tell XXXX to call him, and would n't give me the address.
Capital One Credit Card charged me an extra {$73.00} despite the fact that I paid all the balance on credit card bill in full before due date.
I have a Citi XXXX XXXX " Thank You '' credit card. When I made a payment to another credit card company through my bank 's online payment system ( EFT ), the payment was inadvertently sent to the Citi card instead. The amount was {$15000.00}. 

I contacted Citi by phone on XX/XX/XXXX, to request a refund by EFT back to my bank. The Citi representative stated that it would be done after review, because the bank routing number and checking account number had to be verified. That, he said, would take 3 to 5 business days. ( I questioned why that was necessary, since the payment came from the same bank and account where the refund was to be sent. ) Nothing was refunded to me, so today, XX/XX/XXXX, I called Citi again and was told that 2 supervisors had been reviewing the matter all this time. ( Citi was  earning interest on my {$15000.00}. ) Today I was told that I could expect the money to be sent to my bank approximately XX/XX/XXXX, but if it didn't arrive to call again. That worries me even more than the stalling I have already endured! 

Please investigate and put pressure on Citi to rectify this injustice. If it arrives as promised, my money will have been held hostage for an entire billing period. 

Citi can identify my account by the last 4 digits of my credit card, XXXX, and my name and phone number.
Bank of America approved a short sale, which did not sell. The next course of action is a Deed-In-Lieu, but Bank of America will not return nor answer any of my calls, leaving me facing a pending foreclosure.
I voluntarily turned in a pick up to   XXXX   XXXX   due to health problems  (  back problems ). The loan was up to date and the unit was sold leaving a remaining balance. The remaining balance was payed off as requested by the lender. My action was voluntary and accepted at all times. As you can see the payments were  XXXX .
On XXXX XXXX, I XXXX XXXX tried to make online payment to Ally Financial online payment system. I received an error message stating site unavailable and to try again. I was nearing a 60 day late payment status but on the XXXX I was not 60 days late. After repeated attempts to make payment online, I went to a XXXX location and made a expedited payment to avoid a 60 day late reporting to my credit bureau and also because I was in the process of purchasing a new home. I Sent the payment of {$550.00} via XXXX around XXXX and as I normally do when I 've sent payments via XXXX , I would call the payment into Ally to advise them of the payment made and Ally would call XXXX and verify payment was indeed made. I called and spoke to a representative after payment was made and as normal, Ally Representative called XXXX and verified payment using the confirmation that I provided to representative. The representative then documented my account information with verification of payment. I then called ALLY on the XXXX XXXX, 2016 just to make sure payment was posted properly and to be reassured that I would not get a 60 day hit on my credit because this would indeed deny my loan. I spoke to an Ally manager - XXXX XXXX, who I express my concern about getting a 60 day late hit to my credit reports and she reassured me after I thoroughly explain to her with leaving any information out pertinent to the payment that I would not have a 60 day hit to my credit and that when ALLY reports, they report current status of account. I was hit with a 60 day, my loan was denied, my credit rating dropped and I after attempting to escalate this matter to the escalation manager, I 've only been told that a manager would return my call. No manager has returned my call and I have tried escalating this matter to the Ally Corporate offices only to be told that they would send information to Customer Service, but customer service is not being cooperative and at times unnecessarily rude. I am seeking to have all negative information that ALLY has provided to any and all of the XXXX credit bureaus corrected to a positive status at this point due to the XXXX, pain and suffering, and punitive and malicious acts of Ally. I am also requesting this to be escalated to a senior executive level and NOT to the unwilling and rude customer service department and I have been patiently seeking help from in the past. I have spent hours on the phone with ALLY which has been a complete waste of my time!
we took a title loan from wilshire consumer credit, I cant even tell you the exact date because I still have not recieved my loan documents, but it was in XXXX XXXX never recieved my loan papers have asked many times. i have made my payments on time every month and then they sent me a bill saying im 79 days late and my car is going to be repoed. when I make the payment my pay off balance keeps getting bigger. how can they people do this, they were fined in XX/XX/XXXX for the same stuff, and now there doing the same fraud practices again. this place needs to be shut down. i make my payments to these criminals and they rip me off more. please help me before they illegally repo my car. qnd they lost my pink slip to my vehicle.
On XX/XX/XXXX I was charged {$15.00} in fees. This was the result of overdrafting my checking account and money being automatically transferred from my savings account, both of which are in my PNC virtual wallet. I have had this occur numerous times before, and was never assessed a fee. And now, out of nowhere, I was charged {$15.00}.
I was contacted by this company that I do not recognize. I told them that I dispute this debt and it had been paid in full years ago. They sent me a letter saying its a valid debt. No backup from the original creditor nor the other company they subposably purchased it from. They continue to call early in the morning ( before XXXX ) and even on XXXX. They threaten litigation and say that I 'm a dead beat that does not pay my bills. Even after I told them it was paid. They continue to fail to provide proof that they even have a relationship with the original creditor or provide any assignments. This morning they called and were verbally abusive and made threats again in damaging my credit and litigation on top of calling me every name in the book. I told them that they were in violation of the XXXX act and they said they did not care. They even said that the debt would be reported on my credit report multable times.This debt is paid in full and is disputed.
In XXXX my property was fraudulently foreclosed upon through PNC Bank and has continued to be reported on my credit reports despite a settlement with federal regulators in XXXX. This fraudulent foreclosure and its related erroneous information have been disputed both with the XXXX major credit bureaus and with PNC Mortgage directly. I have made repeated attempts to resolve this matter, but PNC Mortgage 's blatant disregard for compliance with federal and state foreclosure laws and regulations as well as disregard for compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act have become overwhelming. I feel I have been victimized by PNC Mortgage, and that PNC Mortgage 's continued reporting of erroneous information has caused me financial harm. 
I have maintained that this " foreclosure '' was faulty if not completely fraudulent. This position is supported by the fact that as part of a settlement with Federal regulators in XXXX, PNC Bank issued a payment to me admitting that I was eligible for payment due to being victimized by their faulty lending and foreclosure practices. At that time all fraudulent reporting of the " foreclosure '' of the " account '' should have been immediately ceased and deleted. This unfortunately has not been done as of today 's date.