WillisBack/dataset-financial-user-claim huggingface dataset:
I was apart of a joint auto loan that was taken out on XX/XX/XXXX for {$15000.00} with Santandar Consumer USA. This account was paid $ XXXX monthly until XX/XX/XXXX for a total of 64 months totally {$26000.00}. I have called several times a year starting in XX/XX/XXXX and sent many disputes to both Santandar and the 3 major credit report requesting an amortization schedule of payments and correct reporting of this loan. The Truth Lending Act requires creditors to give consumers written disclosure of important terms of the loan before they sign. This includes the APR, finance charge, monthly payment amount, payment due dates, amount financed, length, and any charges for late payment. The key word here is " written ; '' no word of mouth promises will do. On my credit report dated XX/XX/XXXX there are discrepancies in the amount still owed on the account after voluntarily surrendering the vehicle in XX/XX/XXXX. How is it possible to pay on a vehicle for over 5 years and still owe a balance of {$12000.00}? This is only a {$3000.00} of principal applied on a 60 month note. The amount owed is a guess as it varies on my different credit reports. Santandar won't cooperate with my request and the credit bureaus have failed me in accurate reporting. This loan is ruining life and credit profile and I have exhausted all options to get this account rectified. Predatory lending is any lending practice that imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that a borrower doesnt need, doesnt want or cant afford.

Below are links to lawsuits against this company. Please see attached.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In 2011 we attempted to refinance through our local bank. We wanted to refinance because our mortgage, through Ocwen Loan Servicing, is prohibitively high at nearly {$7500.00} per month. We had an appraisal done and had the new mortgage loan all set up. But the day before all legal papers were to be signed, Ocwen Loan Servicing contacted our bank and our local XXXX XXXX XXXX to say that Ocwen would only let us out of the mortgage obligation if we paid the entire remaining mortgage PLUS a $ XXXXXXXXprepayment penalty! Everyone at our bank and at XXXX XXXX were shocked and said none of them had ever heard of such a situation and it certainly sounded like predatory lending. We knew nothing to do about this situation until the recent XXXX XXXX article on the Bureau of Consumer Financial Protection. We have continued to pay this monthly mortgage fee so we do not lose our home and business. It is difficult and discouraging, especially since interest rates have dropped so much, but we are still stuck at 9.75 %. We have tried asking Ocwen to let us refinance at a lower rate, but they have ignored us. Our local bank is still offering to refinance us at a much better rate, but we can only do so if we are able to get out of this prepayment penalty obligation with Ocwen. Please see if you can help us.
Transunion has not updated my credit card balance since XX/XX/2018 and the lack of them doing so is holding my credit score down unfairly.
i sent them a letter requesting validation that they received certified XX/XX/XXXX of 2018. i told them by law they had 30 days to respond in receipt of this letter they signed for certified with validation with a contract bearing my signature. That would prove that i had some kind of contract with them. There first violation was that they sent me a copy of an alleged contracted with a huge " copy '' sign on it. Secondly, i pulled my credit report on the 31th day to see that they didnt comply and that they only updated 2 out of 3 of the bureaus as " disputed ''. This is a clear failure to comply and i have all the evidence.
I have disputed Mohela on my report several times. The account are old, closed, and have been transferred to another lender. They are reporting the old late payments on the account as well as reporting current and {$0.00} owed. I have requested and disputed the be removed as the new servicer shows the exact same information and the refuse to remove it. It is causing undue hardship as I am trying to build my credit and eventually purchase my first home. I feel it is unfair for XXXX companies to be reporting the same account XXXX as closed the other as an open account.
M and T bank sold my mortgage. I in error sent an electronic payment to them instead of my current mortgage company. M and T took the money, when I realized the error and called them it took multiple calls over 5 days, including escalating to supervisors to try to find where they put the money. They refused to do a conference call with my bank to figure out a way to prove they took the money, they refused to confirm they received my documentation proving this, all because I do n't have an active account with them. They then told me they sent the money back to my bank but could provide a tracing number to prove this. I then forced a conference call, was told they would call back with the tracing number, then they called and said they realize they still have the money, they were looking under someone else with the same name. They were unable to explain how they have someone with the same exact name who accidentally sent them the same exact amount of money on the same date from the same bank. They then reported they could only mail a check the next day, they could not electronically transfer the money despite trying to tell me that they had previously done an electronic transfer. When the money had n't arrived 11 days later I called to find out they had n't sent it the next day as agreed, but rather 8 days later. This was a clear attempt to keep money they knew was n't theirs, and completely unethical behavior for anyone but especially a bank
I have been disputing incorrect information Citi Financial has had on my XXXX credit report for over two years. They have been reporting to XXXX that I have a charged off account that was paid/settled for less than the full balance. I have never been in contact with Citi Financial to discuss a settlement nor did I pay any balance Citi Financial claims I owe for less than the full amount of the original balance. In XXXX XXXX, I received a letter from Citi Financial confirming I have never been involved in any settlement nor have I paid the balance they claim I owe and they would update my credit report to reflect a balance of {$6100.00} within 30-45 days of the letter. That has not happened over the last 15 months. In fact after my last dispute of this account with XXXX on XXXX/XXXX/XXXX, they reconfirmed with XXXX on XXXX/XXXX/XXXX that the account was paid for less than full balance. This currently is and has been false information on my XXXX credit report has impacted my ability to apply for loan items. This is a violation of the FRCA and I request this account be removed from my XXXX report immediately.
The system had some type of clitch and left me with no access to my account or money. Because of the problem I have lost my apartment because I could n't pay my rent.
Account opened in fraud-while waiting for a resolution on Consumer Financial Protection Bureau case number XXXX opened on XX/XX/2018 on XXXX ' Store Account Card ending in XXXX I have made the discovery the store account was not closed properly for my protection. The fraudulent balance remaining on this card was XXXX 

Instead another account ending in XXXX has been opened fraudulently. I do not have a card for this account and I have not been using the store account to make purchases. 

The credit limit on my store account is XXXX. 

I called XXXX Fraud Division and opened yet another claim with XXXX Badge Number XXXX who stated all charges will be reversed however the store account was opened so I could use it. I replied " Why would I want to use a store account which has a corrupted balance ( charges which are not mine )? '' I'm appalled. The new balance is XXXX which consists of charges which are not mine.
I attended University of XXXX 2005, withdrew from the school due to unprofessional instructors. The loan was refunded to XXXX XXXX by University of XXXX. XXXX XXXX now have my account and they have reported my account to all 3 bureaus deducted as much as 100 points from my credit score. Every month they keep reporting my account causing it to be negative. I have sent letters and documents proving that the loan was refunded/ They are wanting me to pay {$5400.00} for school which I did not attend plus interest. Please stop. This has going on way to long since 2005. I AM HAVING FINANCIAL HARDSHIPP AND HAS EXPRESSED THIS ON numerous occasions. 

Please stop reporting my account the loan was refunded and they have documents. 
Please I am begging that this stop.
I have disputed the late payments on this XXXX  XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I bought a little red XXXX XXXX XXXX from XXXX on XXXX in XXXX XXXX the first year of my XXXX  career, in XX/XX/XXXX, and paid Wells Fargo for 5 years : {$360.00} per month. ****A month before the end of the loan, they arbitrarily charged me an extra {$600.00} when I applied to get the title.I knew I was being wronged! I called them repeatedly and discussed the problem with customer service. They could never explain what the fees were actually for, and could not guarentee they were valid!!!
They said these were " various fees. '' I refused to pay various fees to get the title. I went to the local branch and lodged a complaint as well.
They quickly repossessed my car -- it dissappeared!
I paid them {$360.00} for 5 years!
I was devestated. I called an attorney but he told me no one would tangle with Wells-Fargo -- I should have just coughed up whatever they wanted, even if wrong.!! My credit was dinged badly. It was 2 years before I could afford to buy a used car off XXXX. I walked everywhere. I was a single Mom, suffering from XXXX, and did not even have a car to get to my XXXX job. Because of very ill health due to XXXX, I had to leave the job anyway. This was a real turning point. It there any way you can find my records with Wells-Fargo and help me recover any damages? I see in the news that they are STILL CHARGING ARBITRARY FEES WRONGLY. Often, people will nt find out -- until they try to get the title!!!! I do not have my records anymore.I saw my car being offered on a " lemon '' website -- my car was utterly in perfect working condition! They were trying to get {$4000.00} for it. I paid {$360.00} a month for 5 years -- and would have happily used the same car for 5 more years! What a mess! And what a nasty thing to do to a vet!!! Personal information -- -do not publish this part below -- -- XXXX XXXX . XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX SS # XXXX DOB XX/XX/XXXX
On XX/XX/XXXX I was offered the possibility of listings if I complete Broker Price Opinions for a company by the name of XXXX XXXX XXXX otherwise known as XXXX XXXX, XXXX. They requested {$340.00} up front. I signed up and then they assigned me two properties that were not bonafide properties. I was able to verify this and requested cancellation within 10 days of signing up. They agreed to refund my {$340.00} via email. A charge showed up on my credit card statement and I opened a dispute with Chase the day of receiving the statement. I then provided proof that this is a fraudulent company to Chase via fax ( XX/XX/XXXX ) and sent them a copy of the email. I even sent Chase screenshots of their online reputation as scammers. All you have to do is google : XXXX XXXX XXXX. Chase refuses to issue me a credit and is charging me interest. The Chase representative that has called me refuses to let me speak to a superior.
I received an offer in the mail from Big picture loans and applied using their website on XX/XX/2017.  After being approved, I was provided with the rate and terms which were as follows. 

{$720.00} loan with an estimated APR of 558.4082 % and a monthly payment of XXXX for 13 months. 

This morning I received an email stating that my loan was being processed and I sent this responce. DO NOT PROCEED WITH THIS LOAN REQUEST!!!! 
I have no intention of utilizing your services regarding this loan as the rates quoted at the end of the loan process are at the very least predatory and more than likely criminal in nature. My experience with your firm is being forwarded to the appropriate State and Federal agencies for regulatory review.
I 'm filing a complaint regarding a TILA REQUEST and OTHER REGULATION REQUEST UNDER Regulation Z I sent by certified mail and fax.ies My letter stated particular questions that they are required to respond As of today, I have not received a response. The only papers I received were regarding pre-foreclosure actions. Also while my mortgage was being paid through HOMESAFE of Georgia ( Federal government program to pay 24 months of payments for homeowners who are underemployed ) While accepting federal funds, Ocwen never mention that my loan should be reviewed for a principal reduction based upon the CFPB Consent Order. In particular my loan was effected because Litton Loan Servicing LP. Serviced my loan.. Since Ocwen is acting debt collector, and they have all my financial information from receiving government funds for 24 months of payments, I need tp obtain the TILA and regulation Z for a settlement of the loan. 
I 'm attaching the Consent Order, and the Certified Letter sent to Ocwen
I just received an alert showing a hard inquiry from PNC BANK that I do not recognize or have authorise. Please correct. Creditor Name : PNC BANK Inquiry Date : XX/XX/2018 Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. Failure to positively verify these accounts will eventually hurt my ability to obtain credit as such I am now formally asking that inquiry be removed immediately. Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Background : this is my third attempt to correct this. I will proceed with legal action next. On  XXXX   XXXX   Blake Whitt  placed a collection on my credit report without properly notifying me according to FCRA, at least 5 days before. The collection agency claims I received mail on  XXXX   XXXX ,    2017  but did n't show proof of delivery via certified mail or neither will they tell me which address they sent this mail too. No phone calls were ever made by the company to try and collect on alleged debt to me. No notice was served at all. I do n't even know who the debt is from or why it was collected. I sent out a letter requesting a debt validation to the collector via mail which they have failed to reply with EVERYTHING I ASKED FOR ON THE LETTER. You provided me a copy of a lease which is not proper validation. I asked for several other documents including your license to collect in Texas and as  XXXX   XXXX . Please remove this debt from my credit report that was wrongfully added. This has damaged my report by  XXXX  points right while I am in the process of getting a home. If debt is not removed I will proceed forward will suing the collector and the credit bureau. I have a   XXXX   XXXX   XXXX   XXXX   for the  XXXX   XXXX  and this had affected my clearance which will entail affect my job! I will Be seeking legal action next.
XXXX will not remove the errors on my account they are derogotory i don't owe this money i called XXXX  they cant explain anything about my account because there is no record. XXXX  has it down as four accounts owing {$1100.00} i called XXXX XXXX they have me down owing XXXX not XXXX i called XXXX  coul not explain any account owing with my name, they need to remove this i have a new account with att they wouldn't of given me an account without paying the old one because i don't have a owing account closed for XXXX equipment returned {$380.00} is wrong someone made a big mistake because of this i have been denied credit for four years. i have been so stressed out about this big error. I m trying to own the American Dream this mistake that XXXX  is doing to me has ruined my name. please ask XXXX  they have it wrong please remove i attempted to remove myself and XXXX  wont do it they lied to me and i have been denied credit so many times i'm so stressed out my heart can't take it. my goal is to own the American Dream, i have been turned down so many times. i don't have dates of this error because there shouldnt be one.  Its ruin my life! please help me ask XXXX to remove. and i should be compensated for the errors they made im depressed they turned my life upside down. my name is ruined because of this. thank you.
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 Equifax and XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
I recieced a phone call from these people this morning at XXXX XXXX local time. The collection company is Portfolio Recovery they called from a XXXX XXXX phone number XXXX
I have been trying to get on the extended graduated repayment plan since approximately XX/XX/2016. 3 times, I have called to have this done and all 3 times I am getting different information. Furthermore, all 3 times they have placed me on administrative forbearance where my interest gets capitalized and I accrue interest without paying off my balance, which I would be happy to do on my desired payment plan. The last time, I did not agree to be placed on administrative forbearance. Every time I have called, they say that my plan will be switched and when I check again, the issue is not resolved. The issue is still not resolved and my debt is increasing due to their malfeasance.
XXXX is XXXX is still reporting bankruptcies that came back from the courts unverified and after the proof were sent to them they are still reporting them and stating that it is accurate when in fact it is not. I tried to resolve this with them and they have not provided any validation or proof.
I applied for the Chase Slate card on XX/XX/XXXX and was immediately approved. The following day on XX/XX/XXXX at XXXX XXXX I called Chase credit card customer service to discuss a credit limit increase. When I spoke with a representative she told me in order to consider me for a credit line increase they would need to pull a new credit report. I explained that they had just pulled my credit 10 hours ago which is how I was approved in the first place. The representative continued to repeat herself like a parrot and I wasn't able to get an answer as to why they couldn't use the credit report that was just pulled. I asked to speak with a supervisor and was told the same exact thing. Neither representative would or could tell me why they had to re-pull my credit report after just pulling it hours ago. I was approved via an automated system and all I was wanting was a human being to review my credit as my existing credit limits range from {$23000.00} to {$38000.00} and the Chase card was approved for {$9500.00}. Most times when you call they are willing to review the application manually and increase the line. I happen to be in the financial world and am an expert on credit. The practice of pulling someone's credit twice within hours of each other should be prohibited as it is unnecessary and excessive. I'm asking someone to look into this and get back to me with a response. Chase should be penalized for this business practice.
Plus Four Inc, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX has listed 3 inaccurate debts on all three credit bureaus. The medical bills are from one doctor which was paid at the time of service when I visited the doctors office. I did call the office several years ago when I saw this debt was on my credit report and the nurse insured me that they would removed the debt. However since that time the doctor 's office has closed and I have no other recourse. I never owed this debt legally it must be removed from credit report immediately. The following dates and amounts reported to the credit bureau are as follows : XX/XX/XXXX - {$35.00} XX/XX/XXXX - XXXX XX/XX/XXXX - {$120.00}
They continue to contact me, my spouse and other family about a debt that they never tell me abouy. Only debt on my credit report are medical bills most others have been paid or canceled. They say they ha e filed a formal complaint and if no answers theyll contact the proper authorities for next legal steps for jail. I know its a scam but theyre ringing my phone multiple times a day several days a week and it interrupts my work day. The number is XXXX XXXX XXXX
I do n't know where to turn. Ocwen has a class action suit levied against them and is forced to pay some homeowners money back. My issue seems pretty simple. Ocwen acquired my XXXX mortgage when XXXX/GMAC declared bankruptcy years ago. I declared bankruptcy near the same time, but I signed a letter of intent for both of my mortgages with XXXX/GMAC at the time ( 1st ended up with XXXX which is almost as bad, XXXX with Ocwen ) and my payments have been current since XXXX/GMAC modified my loan long before either BK - that is after the initial mixup many have found with Ocwen where I follow their instructions to change the payment from my bank account, it was lost, I changed it back to the old " Pay To '' and problem apparently solved since they 've taken my money ever since. Both mortgages are still showing on my credit report as negative because they show closed/discharged in BK. Neither servicer will take responsibility to correct the erroneous credit reporting. Why is this an issue? Because I want to refinance with someone, ANYONE else but the negative marks make me less than a favorable choice for any kind of loan. How are they getting away with this? How do we the consumers fix it?!
I was told I was putting {$200.00} as a down payment for a puppy to be shipped from XXXX XXXX. Upon asking for tracking information and flight information, the seller would not answer any of my communications. I politely asked him to send a refund through PayPal where the payment was transferred. He would not reply. 

You sent {$200.00} USD to XXXX XXXX Transaction Details Transaction ID : XXXX XX/XX/2018 SENDER RECIPIENT XXXX XXXX XXXX XXXX XXXX XXXX The person spoke with my husband and his name is XXXX. The email states XXXX. He told me last night the puppy was checked and in good health and this morning when I asked what was taking so long for flight info, he said he had to take it to the vet.