WillisBack/dataset-financial-user-claim huggingface dataset:
I had several internet payday loans over the course of XXXX years. I have n't taken out any new loans in at least XXXX nearly XXXX years. In XX/XX/XXXX, I began getting bombarded with loan debt collection attempts, years after I was done with the loans I had had. I had calls from National Credit Adjusters, XXXX and XXXX, and XXXX. They called about a XXXX loan, a loan from XXXX XXXX, XXXX XXXX lending, among others. 
They all began the calls as pushy, trying to get me to resolve the issue right away, but I wanted to check on what they were calling about because some of the loans referenced had been paid off. In the case of XXXX loan, the lenders topped debiting from my account before the loan was over, I never stopped paying, they just would n't debit anymore. I got off the phone the first week the calls began, researching the legitimacy of the XXXX. I then stumbled on the fact that the loans I had, were all internet loans, and they were actually void in my state. The next time I got a barrage of calls, I answered or called them back, and as they were telling me that I was going to get taken to court, and I informed them most of the loans I had were paid back, but even if some were not paid in full I always paid every lender well over the principal balance, and the loans were void and unenforceable in my state. That sent the XXXX over the edge, and they would rush to tell me there was a chain of custody, and that the loans were completely legitimate, and were very ugly in how they addressed me. They were very irate and insisted they could take me to court no matter what, and that I would have to pay much more than I had even borrowed from the lenders, no even counting any of the payments I had made or the loans I had paid off.
Complaint against LOANDEPOT.com I have been sending checks to pay my mortgage since XX/XX/2018 ( for the months of XXXX, XXXX and XXXX ) and they never get cashed. I also signed up twice for bank auto-payment and I get kicked a letter letting me know I got out of the auto-payment system a week later because they argue the name of my bank account is not the same as the name on my mortgage, which is not true. 
Now I am getting late fees and the only way to pay is by calling on the phone, getting an assistant and giving my card information. I am not able to do this every month because I travel a bit for work. 
I have called the company Loan Depot.com on several occasions to solve this, the assistants say that I am simply not sending the checks ( and implying I am lying about payments ) and that they can not do anything for me. 
Also, now I am not sure who to pay the mortgage and the lapsed payments because I got a letter saying my loan has been sold. 
LoanDepot 's inability to cash my checks and keep me on the bank autopayment system is going to affect my excellent credit history.
I noticed several unauthorized charges on my account that began on XX/XX/2018. I filed dispute with card company, but am being given the run around.
Wells Fargo Home Mortgage and/or the County of XXXX XXXX XXXX misappropriated, diverted, or embezzled funds paid by XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX allocated for mortgage expenses such as real estate and/or attempted to embezzle funds allocated real estate taxes to apply towards personal property taxes that have already been paid but generated by altering statements sent to XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX, including but not limited to funds designated as part of the mortgage payment made to Wells Fargo Home Mortgage. Periods of misappropriation occurred from XXXX-present and as early as XXXX.
We applied for a health credit card. The credit card is CareCredit. The card offered 6 months interest free. The card was used on XXXX date of XX/XX/XXXX. The facility used {$400.00} for XXXX  expenses and {$400.00} for the facility on that day. The promotion was for 6 months interest free, which ends in XXXX. The interest would start in XXXX of XXXX if not paid in full. The interest starts and we continued making the regular monthly payments. When the month of XXXX came two separate interest charges were billed to the card. The monthly charge and a large interest charge of {$120.00}, the came from a second promotion of a twelve month interest free that was placed on one of the {$400.00}, billed on that same day. The representative said it was two separate promotions but it only suppose to be one. We dont understand whats going on.
When I found about this account on my credit report, I contacted the company immediately to find out for what the account was. They told me it was for a remaining balance with XXXX XXXX. I never received any notification about any outstanding balance with that company. When I asked if they sent any letter to informed me about this pending balance, they said they sent a letter to a address that I didn't lived there for more than 3 yrs. I agreed to settled this account even if I wasn't sure that I actually owned that balance because was affecting in my credit report and I was told that if I take care of the account they will removed this collection account from my credit report. I paid immediately the amount that they requested me to settled this account because they guaranteed me that the account will be remove it immediately from my credit report. This was stated on a recorded line. I feel this is an unfair for me because it is causing me a financial hardship because I'm having a lot of issues trying g to qualify to buy a home and if I were able to qualify I'm going to end up having to pay a higher interest rate on a mortgage, also I feel like it is a UDAPP violation because I feel fooled by this company because it look that they just lied me on that time offered me false promises to remove the account just to collect the money for that debt. I've contacting the collection agency and XXXX  to dispute this account on the credit report but I haven't been received any response or been successful in resolve this matter. This account needs to be removed ASAP from my credit report since I was told that will be removed from my credit report making the payment that I made on that time.
Transunion, XXXX  and XXXX are all lowering consumers credit scores, so the interest rates can be raised and we are charged more. They are allowing lenders to report false and inaccurate information on our credit reports so they can cash in on it. This corruption needs to stop. I have been building a case against them for a year now and have documented 10 failed attempts with the CFPB failure to comply and get the job done. So it is now time to sue all three Corrupt credit reporting companies in order to stop the fraudulent activity on my report. The are breaking Federal Law by lowering consumers scores, so they get paid by the lenders to make sure our scores stay low, so they can charge high interest rates. This is their way of getting around paying government fines and maximizing their profits. THINK ABOUT IT! XXXX XXXX in revenue. Where is all this money coming from? The financial institutions are paying XXXX, XXXX  and Transunion to do this. Why do you think XXXX had the breach. Because I know who is doing it. AND WE ARE GOING TO EXPOSE YOU AND YOUR CORRUPTION> I cant wait until I cash my first settlement check from you XXXX
On XXXX I went into Bank Of America located on XXXX in XXXX Texas to open a savings account. While pulling up the computer screen then associate told me that I had an invite to open up another credit card account with Bank Of America. After completing the paper work for my savings account she filled out an application for me for another credit card. I was denied! I found it very strange because Bank of America had been sending this invite to me very frequently since last year. After returning home I decided to call the bank and ask them to review application and asked them why I was declined! The representative told me to wait until my decline letter came in the mail. At that point, I asked to speak to a supervisor. The supervisor told me that I was denied because I had XXXX account that were sold in XX/XX/XXXX. I told him that I only had XXXX account with Bank Of America in XX/XX/XXXX that my lawyer took care of when I filed bankruptcy. I told them that was not fair because I cleared up my credit and it is in good standing. He said how do you know, I told him that I check my credit report frequently. So after going back and forth he decided to connect with their review department. I spoke with someone in their review department and told them that I only had XXXX account with Bank Of America in XX/XX/XXXX which was taken care of by my attorney when I filed bankruptcy. Also. I asked her for the copies. She said that she did n't have the application or the reports on the accounts because they were sold off. She also told me since they were sold off that that was not a reason for them to deny me credit. With this being said, I believe Bank Of America denied me credit based on false incorrect information. This is against the law according to the Fair Credit Act, The Consumer Act, and Unfair Business Practices!
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX Dob XXXX/XXXX/1962 Please remove the security / fraud alert from my credit profile, I never asked you to place this on my credit profile. It is illegal to place things on MY PROFILE WITH MY PERMISTION!!!!! 


XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XXXX XXXX
XXXX This is in reference to this case #. I guess the case is resolved as I did not receive a completed answer from cpfb or Equifax. 
Equifax and the Division of Child Support needs to show me what law allows DCS to report to my credit when SSI is my only income! XXXX/XXXX/XXXX DCS just reported again and during this dispute. Reporting to my credit is a legal process. I am on SSI. There is nothing I can do about paying this fraud child support to a millionaire. YOu do n't believe me? Look at XXXX XXXX XXXX XXXX XXXX, Wa on XXXX. 
Will be filing injunction in my State and will be suing DCS and Equifax may now be a part of it. 
additional laws! 
42 USC 407 ( a ), which prohibits a person from transferring or assigning his or her future public benefits and exempts the benefits from " garnishment [ ] or other legal process, '' applies to SSI benefits ( see 42 USC 1383 [ d ] [ 1 ] ; XXXX [ XXXX ] ). The federal regulations governing the SSI program similarly prohibit both a person from transferring or assigning his or her benefits and a party from garnishing or taking the benefit by other legal process ( see XXXX CFR XXXX, XXXX [ a ] ; XXXX CFR XXXX ). The XXXX XXXX has provided three characteristics of " an impermissible 'legal process ' : ( 1 ) the process is 'judicial or quasi-judicial ' ; ( 2 ) the process transfers 'control o [ ver ] property... from one person to another ; and ( 3 ) the process is applied 'in order to discharge or secure discharge of an allegedly existing or anticipated liability ' '' ( XXXX [ XXXX ] the act of reporting to my credit is impermissible! You tell me what one is supposed to do on ssi with no means of paying this fraud? Allow the reporting for the rest of ones life? 
They are reporting to my credit against SSI income, that is all I have!!! It is a legal process! 
Then I was never afforded due process from the beginning, letting me know by law that dcs was going to report to my credit. 
Equifax may find them a part of the upcoming injunction in my State court. 
XXXX XXXX
XX/XX/XXXX : We traded in a truck at XXXX XXXX. The dealership took possession of the truck and we drove away with new car leased from XXXX also made our first lease payment to XXXX that day. XXXX did not pay off the truck loan amount ( through Regions Bank for amount of {$33000.00} ) until XX/XX/XXXX ( 34  days late. ) This left a 30 day late mark on my credit score. I have never been late on any payments in my credit history and this incident dropped my score about 75 points. I have tried to dispute with XXXX and asked for forgiveness via phone and letter from Regions Bank to no avail multiple times. XXXX dealership will not return my calls.
The NYS Department of Education has XXXX loans on my credit report. XXXX of the loans are correct and are mine but then the XXXX is for {$13000.00} and I never took out a student loan for {$13000.00}. And the XXXX loans I did receive were dismissed by the loan forgiveness program. The student loan for {$13000.00} is not mine and is on my credit report!
I had been using autopay features in Bank of America online banking to pay my account faithfully for several years until these features suddenly disappeared from the site without warning or notice. I called the company several times and was told I could in fact set up autopay again and keep paying the full balance each month ; however, I would follow the steps the customer rep would give me to re-add my checking account and would still not be able to pay the balance -- only the minimum. The last time I called, I was told I need to fill out a paper form in order to be able to pay the full balance ( thus essentially defeating the purpose of online banking ), which would be mailed to me, and it has not been sent to me to this day. I captured this conversation in screen shots. I can only conclude from this behavior that Bank of America does not wish to make it possible for its consumers to pay their balance so they can take advantage of this gap for profit. This has been a huge waste of time for me and has negatively impacted my credit because I also do n't get email reminders of my bills anymore or paper notices.I would like my credit rating revised as needed for late payments and for the following charges to be reversed : XXXX {$25.00} fee, XXXX {$37.00} fee, XXXX {$27.00} fee, and any other associated fees or interest that have not posted yet. I have been a loyal customer to them and should not be punished for their lack of foresight in designing their online banking and/or duplicitous lending practices.
Navient reported incorrect loan amount on my credit report. I contact the about the loan and disbursement amount and I need received the amount they reported on my credit. On XXXX XXXX, 2017 Navient report Two separate loans in the amount of {$XXXX} and {$XXXX}. This is false and illegal.
How is it legal for Citizens bank to process transactions after business hours but post them as if they were processed before the end of the day. I check my balance before XXXX and I'm fine but when I wake up it's negative. I don't see how it should be legal for them to keep doing this if they process things after business hours it should go on the next day so if there's an issue you have a chance to correct it. It feels like theft the way they do it now. They don't recognize the dates on checks anymore which is a whole nother issue.
Complaint ID : XXXX The aforementioned Complaint with Experian is not resolved. Per the FTCA, any derogatory item that can not be verified ; verified means, the original furnisher of information ( not a third party, XXXX, etc. ) i.e. credit card company, student loan lender, mortgage company, or court of record for legal matters. Experian, upon request must send where and whom the reported information originated to prove this reported information is not only valid but also, verified. 

If the information disputed, is still " unverified '' as defined by the FTCA, procedures for reporting. The disputed information must be investigated, verified as outlined via the FTCA and IF a disputed item can not prove valid, the item, deleted from the credit file. 

The original complaint to the CFBP recorded, XX/XX/2018, went unfulfilled. Since filing a formal complaint with the CFPB, Experian sent letters, titled-notification of dispute, investigation results, and finally, an explanation for the results, with a catch-all summary and consumer rights jargon printed on the trailing pages of the letters mailed. 

Experian 's generic mass produced letters, a waste of time and nothing more. Per the FTCA, the item ( s ) of dispute should no longer appear on Experian 's credit file, yet remain. I request all disputed items be deleted per the FTCA procedures for reporting.
My bank, USAA deposited my tax refund of XXXX dollars into the wrong bank account. According to USAA, another USAA account holder by the name of XXXX XXXX XXXX was unjustly enriched by money that belongs to me. USAA initially did not want to help at all, and essentially sent me on a fruitless 2 month run-around which involved me contacting my tax company, XXXX, as well the IRS, XXXX XXXX XXXX XXXX, my local police, and even my small claims court. None of these organizations helped me, and all insisted that I get back in contact with my bank ( USAA ). After finally submitting a formal complaint through the XXXX, I was contacted by a representative named XXXX XXXX who said she would attempt to get my money back by calling XXXX XXXX and asking him to put the money back into his account, so that it could be transferred to me. Note, this was a solution of which I asked USAA to perform months ago, and they were not willing. It took countless hours on the phone with USAA and finally an act on XXXX part to get my bank to do the minimum amount of effort. However, this effort was also made in vain as I was told that I would see results on the week of XXXX XXXX, 2016, and still have not heard anything about the money being put back into my account. USAA claimed that they will not pay for the damages, and will only resolve the issue is XXXX XXXX puts the money into his account. Seeing that the XXXX XXXX is not legally obliged to remedy an error made on USAA 's part, it is apparent that he will never put the money back. To conclude, I am asking for help to resolve this issue with my bank, so that my money can be sent to me ( the rightful owner ).
I am constrained to file this complaint with your agency regarding my credit card account XXXX, which was opened in XXXX, XXXX, knowing you have a good track record in resolving these types of complaints on behalf of consumers. I am taking this extraordinary step of referring it to your agency, in hopes of getting a favorable resolution because I was unable to do so through the channels established by Capital One. 

As stated earlier, I opened personal Capital One credit card account in XXXX XXXX, and made some purchases on it during that month. Knowing the importance of maintaining a good payment history, I went ahead and made my first payment in XXXX, well in advance of my payment due date of XXXX XXXX, which was returned to my XXXX Bank account ( ending in XXXX XXXX, even after the account had been verified by an agent of Capital One. 

Following that, I made another payment on XXXX XXXX, which was also verified by XXXX Bank for my account ending in XXXX, but it was subsequently returned. Another payment was made on XXXX XXXX using the same account, and that too, was returned and my account closed. During the time that the amount was deducted from my account in XXXX, I attempted to make purchases thinking that since the payment had been deducted from my account, it would have posted to my Capital One account to cover those purchases. Unfortunately, the purchases were declined, and that was eventually ( letter dated XXXX XXXX ) advanced as the reason, along with suspicion of fraud, for which my account was closed. 

After spending hours on the phone with unsympathetic assistants, as you can see for their records and my phone records, which I can produce at your request, I now feel like there is nowhere else to turn but to you, to have this matter resolved because ultimately, the very XXXX bank account which had been flagged for fraud by Capital One, turned out to be the account that the my full payment, plus late fees, was deducted from on XXXX XXXX.
A few months ago I submitted a previous complaint ( Complaint Number XXXX ) since I was applying for a loan modification, but at the same time Ocwen mortgage loan servicing was dual tracking. I was approved for a trial loan modification and I made my first trial modification payment in XX/XX/2018. However, the attorney 's for XXXX XXXX   were continuing their motion to restore a foreclosure case against me ( XXXX Supreme Court Index XXXX ) in XX/XX/2018 in which was the same time I began my loan modification. Therefore, XXXX, XXXX and XXXX the attorney 's for the Plaintiff through E Filing finally requested that their motion be withdrawn. During the first loan modification payment Ocwen assured me that the XXXX payment would drop from approximately {$4300.00}. to approximately {$3300.00}. However, when I was going to make the second loan payment in XXXX Ocwen stated that my loan payment for XXXX would be approximately {$3700.00}. When I called to speak to my assigned relationship manager Ms. XXXX XXXX at Ocwen to complain about the higer loan amounts I was told she is no longer my relationship manager. However, as a result Ocwen gave me the next available relationship manager and I was told they would look into this situation. Ocwen never got back to me, therefore, I called repeatedly in XXXX and never got an answer. Since Ocwen was acting in bad faith I discontinued my trial loan modification. Initially, Ocwen reassured me that they would help me make my loan payments more affordable after the trial loan modification, but their inconsistencies made me weary and appalled. I now want Ocwen to either rescind or significantly reduce the principal loan amount, and at the least give me a reasonable loan modification since I am victim of Ocwen 's duplicity.
Barclays closed my XXXX Rewards card out of the blue. I had paid the annual fee of {$89.00} several months before closure and now I can not reap the rewards of this annual-fee credit card.
A state tax lien was placed on my credit with the state of California. The lien is meant for XXXX in that state. I am an XXXX. I made an income of XXXX $ during XX/XX/XXXX. The state of California will not remove the lien after we sent XXXX documents showing proof of a XXXX $ income for XX/XX/XXXX, since I worked only for the XXXX and was then and currently am a XXXX resident. Please help. The lien was placed in XX/XX/XXXX. I have spoke to the XXXX XXXX XXXX XXXX office, they told me what to fax, sent all documents numerous times and lien is still in place on all XXXX crediting monitors XXXX, experian, and XXXX. I am not able to purchase a home with the VA home loan system due to this lien.
I have multiple inquiries on my report all dated XXXX-18, inwhich I don't have any knowledge of, and according to the law of the FCRA if this is not met with tangible documentation then said accounts and/ or inquiries shall be removed.
Recently, review credit file and notice a collection account reporting by XXXX  XXXX. I never open this account and not responsible.