WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I purchased a toyota corolla from the dealership. Santander Consumer USA was the vessel I used to execute my purchase since it was my signature that created the loan that made me the Secured party creditor ie. ( Lender ) therefore I submitted to IRS And Santander 1099A for the first two months car was reported as paid as agreed then Santander in XX/XX/XXXX added to my balance which was {$20000.00} then increased it to {$21000.00} this is fraud when they are aware debt was settled therefore I have filed UCC1, UCC3, Lien against company for XXXX XXXX British pounds, I also sent them a default notice with an opportunity to cure this matter all I want is what I paid for by me signing that promissory note Santander Consumer USA was issued a monetized credit that was ten times the amount of the {$20000.00} I signed for then relending me my money I created to complete purchase is failure to disclose on their part according to truth and lending act as well as fraud. therefore I 'm requesting that his matter be properly reported to the Credit Bureaus plus send me my tittle as this debt was properly settled or I will start he collection process on lien filed against their company
XX/XX/2017This location sold the items in storage and continued to bill me for the storage after the fact. So they have racked up additional fees to charge even though the I no longer had the storage.
As a student at XXXX, specifically XXXX, I was demanded to obtain partial student loans from XXXX and the remaining amount from XXXX. While in school, XXXX staff continuously demanded that I repay the loan while in school or suspended until the balance was current. In addition, although I completed all of the required courses and internships, my certification was withheld and has not been released to this date. Moreover, while at school, I was pulled from class on several occassions to discuss the status of the loan, when it needed to be paid, and what the repercussions would entail if I did not follow through with accurately paying on time. The US Department of Education finally approved my XXXX to repayment and cancelled the federal loans obtained while at XXXX. However, XXXX sold my account to XXXX and XXXX in the midst of CFPB 's law suit. XXXX is reporting the account as adverse, negative, and as a charge off on my credit report and refused to remove the reporting.
My wife and I purchased carpets XXXX today financed through Wells Fargo on XXXX/XXXX/2014. On the anniversary of that date I was charged {$1500.00} at 27 % interest for one year of back dated interest on a loan that totaled {$5600.00}. At the time of sale it was never explained to me or my wife what the interest rates were or the stipulations on the 12 months no interest deal was. The salesman simply said interest would start after the 12 months. The salesmen spent a better part of XXXX hours showing us carpets he also filled out all the forums for us. While rushing us through the paper work he kept assuring us that this would be far less expensive than putting it on a credit card. As you can see with the documents provided they are all in his hand writing. At the end of the sale he gave me a small paper stating it was a receipt I needed to sign for. Again it was filled out by him. So I signed for it not realizing that it was not in fact a receipt but in actuality a credit agreement, that he filled out ahead of time. Looking at it I would never of agreed to such an unfair one sided agreement. The tactics used were predatory and took advantage of new homeowners that had no experience with such types of sales and loans. So as it stands now I paid {$2300.00} on a loan that 's principal has only gone down by {$630.00}. If it were explained to me honestly I would have either paid in full at the time of sale or put it on my credit card which is more than half the interest rate of the egregious 27 % given.
This complaint relates the manner in which Barclays Card US applies payments when there are both promotional and non-promotional balances. Per a reading of the terms and conditions on the statement, payments are posted first to the higher interest balances and then the excess to the promotional balances. For the statement ending XXXX/XXXX/2016 I had a promotional balance of {$760.00} ( expiring XXXX/XXXX/16 ) and a non promotional balance of {$600.00}. I sent in a payment of {$670.00} on the due date. The a portion of the payment was correctly applied with {$600.00} against the non-promotional balance, however the excess of {$65.00} was applied against yet unbilled non-promotional balances. Under this application, if a consumer is using the card for purchases during a billing cycle, it becomes nearly impossible to payoff the promotional balance. A reasonable individual would understand and expect that if he pays off the entire non-promotional balance and sends additional funds, that these additional funds would be applied towards the promotional balance. 

Barclay customer service explained that this is not how it is handled as the yet unbilled non-promotional charges COULD be subject to a higher interest rate than the promotional balances, thus they are paid first, to protect the customer. In reality, this does not protect the customer but creates a scenario when the customer 's promotional balances does not decrease over time and the entire promotional balance must be paid in the final two months in order to avoid paying all of the accrued, yet unbilled finance charges associated with the promotional balances. 
While this could be argued is in keeping with the disclosures, it is both morally and ethically deceptive.
16 listed Florida scams frauding my birth certificate of XXXX XXXX XXXX of XXXX XXXX Indiana of XXXX XXXX frauding also my parents marriage and divorce records which are white documents and serial numbered documents and mom is decest ofXX/XX/XXXX No fraud is authorized There frauding scams frauding my documents frauded my national security clearance data and va mail and Indiana social social date and insurance policies and finger prints cards and FBI back ground checks and medical records and passport data ext my police files and commodity broker career and IRS records and mail and family marriage and divorced record and banking data which I was shoved out for 18 years and always a turn down by bank 's for me for credit and credit cards and loans and also refusal to pay my insurance when I was robbed,
I purchase the vehicle from XXXX XXXX under XXXX XXXX XXXX XXXX and paid off XX/XX/2017, received release of lien. At  the end of paying off the loan they will not report the loan was paid in full {$26000.00}. I want it reported to transunion, XXXX and XXXX that it is paid in full. XXXX XXXX financial manager said he would do it. He is no longer with the company, XXXX the stepson of owner threatened if I persisted he would report I was late on payments. I am a single female and I will not allow anyone to obtain any favors for a favor. I do not want to go in there. I paid the loan off and it should be reflected. I suffered with XXXX XXXX and I need my credit report to show paid. I have to repair my home and need a loan. Threatening consumer to make a bad report after paying off the loan should be illegal.
Equifax, XXXX, and XXXX all have information on my credit report stating that the age of my credit score is between 1-3 years which negatively impacts my score. I have a paid off car loan that is in excellent standing that was opened in XX/XX/XXXX that none of these 3 XXXX  companies will put on there, BUT they sure will put information that's not mine like credit inquiries that don't belong to me and charge me for $ 75.00+ for XXXX or XXXX that I never signed up for. That in itself is fraud! They also will keep addresses on there that are not mine and names that aren't mine and credit inquiries that I never authorized. WHO MADE THEM THE AUTHORITY ON CREDIT SCORES??? AND BY THE WAY, they sure can let our personal info be leaked to every person on the big black web can't they?? They couldn't protect a dog collar 's information from a blind person in Braille.
My mortgage company change servicing company when that happened they stop taking our regular scheduled mortgage payment out I notitified them of that and then we trying to get back on track since then I have made XXXX mortgage payments and they only credited me for XXXX they have been very unhelpful and unapologetic and we still have n't got the situation corrected
I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX ( XXXX & XXXX  only ) 30 days late as of XX/XX/XXXX ( XXXX  only ) 30 days late as of XX/XX/XXXX ( XXXX  only ) 30 days late as of XX/XX/XXXX ( XXXX  & XXXX only ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
There is delayed that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. I highly recommend you present this information or simply remove the negativity of this kind of account right away.
Someone open or apply for a credit card from Wells Fargo for XXXX} and it wasnt me that open the credit card so I bet someone is using my name and SSN I want them to close that account and investigated whos the account
My payday loan company 's name is Lendgreen. Not sure where they are located. I took out a pay day loan that I still have yet to pay back as I am completely broke and am now looking for a 2nd job. They call me 3 times a day so I would like to file a complaint for harassment. The screenshot attached is an example of 2 days worth.
I have a loan with 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 TransUnion and XXXX with no successful resolution. TransUnion only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
XX/XX/2013 I borrowed a loan in the amount of {$500.00} with a Company Called Castle Payday. I Paid off the amount of {$500.00} in full within 3 months and for 5 months straight they continued to debit {$20.00}, {$40.00}, {$35.00} on a weekly basis out of my account which totaled to a amount of {$890.00}. I called XXXX XXXX and told them that I payed them off and I do n't know why they were still debiting my account. XXXX XXXX XXXX XXXX left me threatening voicemail messages saying that they were going to place a lawsuit against me because I now owe them over {$6000.00}. For court fees and remaining interest balance of {$1000.00}. He offered me payment options, even told me that they are going to sue me. I was not aware of the remaining balance or interest. I never received anything in the mail, email and nothing is on my credit.
My loan was with Wells Fargo and I was going to do an assumption loan to get my ex wife off of the loan. Wells Fargo said they my loan could be assumed by me with no appraisal and everything would stay the same as long as I was credit worthy. The total cost was going to be around {$1000.00} plus Florida fees. In my divorce decree, it said I had to get my ex off the loan within five years. Five years is this XXXX My house is upside down so there is no way I can do a regular refi on my home. I called Wells Fargo to tell them I want to do their assumable program and they said that my loan had been sold and would have to go through XXXX XXXX XXXX since they bought the loan. When I called XXXX they said they do n't have that same program and to get my ex wife off the loan I would have to refinance the loan. Since my loan is upside down I ca n't afford to refi. I am going to have to let my house go into foreclosure if I ca n't work something out with someone on this. I do n't think it 's fair that because my loan was sold I can no longer do this program that Wells Fargo had. Is there anyway I can make Wells Fargo keep my loan until I do their assumption loan? It does n't seem fair to me.
my bank account was closed, and left me with debt, after a few attempts to steal my identity and was harassed constantly by a company called XXXX, and also a XXXX. 
my credit card and bank card were both stolen from me. I filed a frud claim, but was never responded to.
American express shut my card down because they said i had a return payment when i did n't, when in fact they talked to my bank and cleared it up, approved a transaction then stopped it.kept calling my back to see if funds would clear and got a yes each time
Case number XXXX XXXX XXXX XXXX XXXX a debt collection agency is attempting to collect on a debt that has exceeded its statute of limitation. This debt is with Discover bank. This debt was Charged off XX/XX/XXXX THE STATUTE OF LIMITATION HAS RAN ON THIS DEBT XX/XX/XXXX. Under the Fair Debt Collection Practices Act. The FDCPA prohibits collectors from taking action to collect a debt that they can not legally take. In Florida, filing a lawsuit beyond the statute of limitations is a fundamental illegality. If they take this step, I will have rights to pursue under the FDCPA. The limitations period begins from the date the last element of the cause of action occurred, ( 95.051 ). In this case Originally XX/XX/XXXX.  According to XXXX XXXX the original debt lender and XX/XX/XXXX according to Discover bank, XXXX client. Almost all other actions fall under the 4-year catch-all limitations period, ( F.S. 95.11 ( 3 ) ( p ) ). CMS is in violation of continued harassment or collection of a debt they can not legally collect upon. They purchased this old debts from Discover for pennies on the dollar, then are using aggressive collection tactics to attempt to collect the debts. While not an illegal practice in and of itself because the debt is owed it is illegal if they harass, threaten or try to trick you into renewing the statute of limitations. which they are doing by stating in their correspondence to consumer financial protection Bureau that my last that they have valid records and proof that the last time I made payment on this account was lXX/XX/XXXX. THAT IS A COMPLETE AND ABSOLUTE FALSE ASSERTION.
Equifax is reporting inaccurate information about my mortgage, car, and other older claims that should be removed such as medical bills, etc. discharged in bankruptcy.
XXXX has hired SW credit systems after a debit that was already contested by myself last XX/XX/XXXX. XXXX nor the previous debit collector ever sent proof of debit or notification that any amount was standing. 

I have included the previous complaint number for this very same debit. XXXX

XXXX and SW credit systems are in violation of the fdcpa.
I mailed a  Multiply Inquiry  Removal Letter  On   XXXX   XXXX ,   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquires, that were being reported on my credit report. They received the letter on  XXXX   XXXX ,   XXXX   and they completed the request on  XXXX   XXXX ,   XXXX  . The request submitted included  XXXX  hard inquires that were not factual and I received the same response for all inquiries, which was " Inquires are a factual record of file of access. If you believe this was unauthorized, please contact creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a response  XXXX  days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
I have been fighting with these people for years, they had me living in a state I have never lived in and reported non payment when I paid off credit cards or loans. Most of this had to do with a construction project that XXXX Bank stole {$150000.00} of my money which I am still trying to recover. Judgements placed because they controlled all the money and lost it. Also illegal services I found on a loan which they would not remove. I also tried to get a loan and had my identity stolen which these people must have tried to use to get more money. I did refuse to pay them and told them I am entitled to my report and their scores are very unbalanced and discriminating. They refused to do anything so I had my score frozen for three months which with their inaccurate reporting made it impossible to get a loan. It if time they stopped the inaccurate reporting and also used XXXX credit card my father had which had a second card in my name I never used. They refused to verify that my signature was on those documents so when he passed I settled for less which hurt me because he was not here. Something must be done with these people and inaccurate reports when it says a soft hit does not affect your score it does. They use everything. Someone needs to come up with some kind of system. There were also credit cards that I myself did not close but did not use so they showed also which should not be reported because I did not use them I guess they close them in a certain amount of time.
On XX/XX/XXXX I received an alert activity from my monitoring service XXXX XXXX. 
I checked the alter activity and found on XX/XX/XXXX someone had tried to apply for a Capital One credit card in my name. I have not applied for this card neither have I given authorization to check my credit. I called Capital One first. In which they are the ones or any creditor would have to investigate to see if this inquiry belongs to me. They asked for my SS #, Name, and Address. Looking at my file they found no SS #, Acct. # or Address that was applied on XX/XX/XXXX. I asked them to remove it immediately from all 3 credit bureau 's and from my inquiries from all three. 

I have called them all back and forth in regards to this problem. And they all want me to write letters to all going to the fraud department and this is unexceptable. 
I want all 3 bureaus and Capital One to delete this inquiry off of all 3 bureaus. For when I called Capital One they agreed that I don't have an account with them. I have no receipts, documents, photo 's only thing is it is on my credit report showing that I applied for a Capital One credit card and I haven't.
I am writing to inform you that XXXX XXXX  XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted this account off my credit report.
A judgment was rendered and satisfied.    US COLLECTIONS WEST  Address :   XXXX   XXXX   XXXX   XXXX   XXXX  , AZ  XXXX  Phone : (  XXXX  )  XXXX  Is still pursuing additional money, which I strongly feel is NOT due to them after their attorney collected money from me.
I banked at Suntrust Bank for nearly over a dozen years without incident. Moved another business account there. After moving that account there, I was told to close ALL my accounts - checking./Savings & credit cards. It appears that one officer of this business has negative credit with Banks. I removed that person and severed all relationships. However, SunTrust has discriminated against me because of who I used to associate with. By closing my Credit Card, it shows on my credit bureau as " Closed Account by Creditor ''. This has adversely affected my credit standing in an immense way. I am asking that SunTrust reopen my credit card.
I have not received my confirmation on how you verified the alleged accounts in Exhibit C and therefore request that you consider this final notice to your offices. Past this point the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of me trying to rectify the subterfuge you are reporting. ****(copied from the affidavit attached)*****
I MAKE PAYMENT USE MY PAYPAL ACCOUNT, FOR INVESTIGATION SERVICE, I DONT RECEIVE THE SERVICE I PAY FOR .I CONTACT PAYPAL TO COMPLAINT ABOUT IT, PAYPAL REFUSE TO TAKE MY COMPLAINT .I CALL MAY BANK // ALLY BANK, THE OPEN A CLAIM, THEN THE SAY EVERTHING NEED TO GO TRUE PAYPAL .I COMNTACT PAYPAL ABOUT IT .PAYPAL SAY THE REFUND MY ACCOUNT .NOW I DONT NO WHERE IS MY XXXX DOLLARS GO
My tax refund was send to Navient and I request for hard ship and I got a hardship application and I filed out and mail it back to them with all the necessary support documents I was it will take 7 to 10 days for a decision so I called back after 2 weeks I was told my loan been transferred to a new sevrever but they have no information about who is the servicer or my hardship ..i am about to lose my house because I need this tax money to pay my mortgage to save my house now I am going to lose my house and no help insight ... please tell me what I need to do ...
The loan was in deferment, not delinquent, with XXXX XXXX. Loan was sold to XXXX/Dept of Ed XXXXXXXX XXXX XXXX. Then to Nelnet/Dept of Ed Student Loan Service. XX/XX/XXXX, of each year, a deferment was applied for and awarded.
I check my credit score every day and on XXXX XXXX my credit score was at XXXX, but when I checked it on XXXX XXXX, 2016 my score had fallen to XXXX ( XXXX devastating points ). I contacted XXXX and XXXX and discovered that XXXX ( Student Loan ) reported my XXXX payment as 30 days late although my payment was due on XXXX XXXX, 2016 and I made my payment on XXXX XXXX, 2016, which is only 15 days late. I would like to dispute the 30 day late payment for XXXX 2016. 
I have attached receipts of my on time payments with this letter for the last six months. My next payment is n't due until XXXX XXXX, 2016, so a receipt for that payment is not included. I am preparing to purchase a home for me and my daughters and am devastated by this set back after proudly watching my credit score rise over the last six months. 
Today, XXXX XXXX, 2016 my score rose by XXXX points to a high of XXXX with XXXX. I have no recent late payments and these credit reporting bureaus are playing with my credit score raising and dropping my score as they see fit. I spoke with the credit bureaus and they provide very limited information. I also spoke with XXXX, my student loan provider and they have confirmed that I do n't have any late payments with them. I have gone through my entire credit report and there are no recent missed/late payments that would 've caused my credit score to drop. This situation bothers me even more today than it did on XXXX XXXX, becase my score rose XXXX points today and if if the credit bureaus had not dropped my score on XXXX XXXX I could be well on my way to almost a XXXX credit score. I really need assistance with this because I am making all types of sacrifices to make sure my payments are on time and I am trying to change my life as well as teach my XXXX daughters about credit in the process. Please help me with this i beg of you!! 
Also, on my credit report it shows that I did n't pay the full balance to XXXX for a XXXX XXXX account I had. I have attached receipts to show that the account was paid in full. 
Please let me know if you need any additional information to expedite this request.