WillisBack/dataset-financial-user-claim huggingface dataset:
They told me the interest rate was only XXXX dollars. As pretty normal for payday loans. However I got a loan for XXXX and am expected to pay fees and interest totaling XXXX by the end of XXXX. 

This is absurd they think they can take peoples money like that. Im young and fell into a financial emergency because of an accident. Or else I never would have used them. I have used companies like lend up before who have a real payday system in which you pay XXXX on top of what you borrow which I assumed is what this company was.
XX/XX/XXXX the debt collection agency Century Financial Services through their law firm XXXX XXXX XXXX obtained a judgment against me for credit card debt I defaulted on. Since then and at least on four occasion they offered me settlements that I never answered to. On XXXX XXXX, XXXX then sent me an information subpoena that I answered to because they were saying that I might be arrested if I did not reply. Later on after they got my answer they called me on my cell telling me that they did not have XXXX but XXXX judgments for a total of more than XXXX. To avoid to get myself in trouble I told them that I did not know what they were talking about and ask them to send me all information by mail. Rather than sending me the requested information on XXXX/XXXX/XXXX they notified me that they were applying for a wage execution order at the XXXX, XXXX County Court. 
The reason of my complaint is that I know Century Financial Services buys defaulted accounts from credit card companies in bulk for pennies to the dollar, then inflates the debts with various service charges before attempting collection from people like me. 
I do not understand why Century Financial and XXXX XXXX XXXX engage in such activities while your organization has ordered them to stop on XX/XX/XXXX.
on XXXX XXXX, 2016 i send a certified mail to validate the account XXXX XXXX merchant which they received on XXXX XXXX, XXXX and under the credit act law they have 30 days to provide me with a original contract with signature and report dispute comments with credit bureaus within 30 DAYS which is XXXX XXXX 2016 which i printed a copy of. they send me a signature but did n't report dispute comment to bureau in time so they broke they law. so i send them a second letter letting them know that they did. they send me a letter on XXXX XXXX, 2016 saying they updated the dispute comment and which showed on my report lasted update XXXX XXXX 2016 but was way passed the 30 day time frame. then i get a alert from equifax for that company stating that there last updated was XXXX XXXX, 2016 which is a lie equifax broke the law under FCRA Section 605 ( c ) tryin " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer. and doing so it should be removed. off my report.
In XXXX XXXX, I received written notice that the Home Equity Line of Credit currently held by me would expire on XXXX XXXX and I was given several choices concerning the loan. I chose to refinance the loan and began steps to do so as outlined by PNC Bank. After several attempts to comply with the bank 's request for information in a timely manner, all documents were submitted as requested, however, I began to sense my application would be denied because XXXX of their request was unreasonable ( they asked for a copy of my income tax for the year XXXX, specifically Schedule XXXX, though I did in fact obtain an official transcript from the IRS and presented it to PNC Bank, they would not accept it as what they needed even though the document came from the IRS and it was clearly stated on the form that the document was suitable for mortgage purposes! By now we are into XXXX so the request was made that I be allowed to use my XXXX taxes which was finally accepted by PNC Bank. In a letter dated XXXX/XXXX/XXXX I was informed that my application to refinance the line of credit was denied due to : '' Insufficient down payment and/or equity in collateral in addition to information based in whole or part from an outside source ... ... I am personally aware that PNC Bank has denied credit/mortgage loan to another XXXX couple when it appears there was no real basis for that denial other than potential discrimination, their names and other information can be submitted upon request. I believe I am a victim of racial discrimination/unfair lending practice. PNC Bank did a Property Valuation Report and within the report under Market Sales and Trends my home was compared to several others homes, my home is a tri-level but was compared to XXXX ( XXXX ) story dwellings, I know that on a scale of '' risk in lending '' from XXXX I am a XXXX risk, my credit score from XXXX ( which PNC used is XXXX ) and the property valuation plainly states the report they submitted is not a real estate appraisal, evaluation or similar documentation of the subject property ( XXXX ) .In addition, in late winter of XXXX, I had listed the property for sale with XXXX and soon thereafter received a written offer to purchase my home for {$100000.00} and when I rejected that offer another offer was made at $ XXXX.I rejected both offers because I realized I was not ready to sale my home and withdrew my home from the market. Surely no home declines that much in value in less than a year! It appears that the XXXX area has been redlined as it is a predominantly XXXX area and I believe this has played a big part, in addition to me being a XXXX female, to PNC Bank declining to refinance the line of credit I currently have with them.
someone has used my identity XXXX my identity was stolen to receive services and open several accounts they continue to try to collect and report negatively on my file an account that is fraudulent i have filed a police report report number XXXX and a notarized affidavit
URGENT URGENT SALE DATE WRONGFUL AUCTION OF HOME XXXX/XXXX/16 - Just found out today! 

We received an FHA-HAMP modification as of XXXX 2016. Today, XXXX/XXXX/16 someone came to our door and said that there is an auction for tomorrow. I checked the XXXX and there I found my house to be auctioned on XXXX at XXXX!! This is plain torture! For more than 6 years I have been waiting for a modification, while accruing over $ XXXX due to the fact that I had to wait for the review for over 6 years! I began to request assistance even before I was late. I believe that it has been both XXXX and Carrington Mortgage 's delay and they should do a principal reduction as a result. 

And now, they want to foreclose and sell my home at auction while I am in a FHA-HAMP Trial Modification! This is preposterous! 
I need your assistance so that I do not lose my family home. The stress has been insurmountable. PLEASE HELP!
I am a current client of CITIMORTGAGE CO. and I have been trying to refinance my mortgage with them since XXXX 2016. It is now XXXX XXXX of 2016. I am trying to go from a 7 year arm into a 15 year fixed Loan. I have been with CITI for over 10 years and I have NEVER missed a payment. I have an excellent credit score also. Around XXXX. They keep telling me my amount needed close is going up and I need to verify funds. I have done this once already and now they are needing to verify funds AGAIN. It takes them days to get back to me and never follow through with showing me in writing what the figures are. My rate was quoted 3.25 % and current rates are XXXX and my locked rate has since expired. I was told that this would be very easy to do, since I am staying with them and that the cost would not be very much. I went from them needing {$1100.00} to over XXXX? And it is still not being completed. I have never had to experience so much stress and frustration in my life.
I have written to the company, XXXX XXXX XXXX on two different ocassions requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I stressed to them that I was requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them.They have four accounts listed with them and I have been going back and forth with this company for a little over 2 years and they refuse to remove this wrongful information. They have responded by sending two letters for two accounts showing that I owe them but never sent any paperwork for these accounts with my signatures and never responded about the other 2 accounts that I requested information on. I am constantly called every day by this company and they refuses to give up. I have informed them on many ocassions that I am not paying for something that is not my account.
I received one letter, dated XX/XX/XXXX, from XXXX XXXX XXXX stating I had a collections balance of XXXX with two separate creditors, XXXX XXXX XXXX on the front, and XXXX XXXX XXXX XXXX on the back for a medical service rendered XX/XX/XXXX. I had never received any previous bills from " XXXX XXXX XXXX which does not exist, as only XXXX XXXX could be found on XXXX, and it refers to XXXX Hospital in XXXX. I have also never received any bills from XXXX XXXX. The item was reported to the credit bureaus on XX/XX/XXXX. The letter states they have attempted to contact me, and are willing to let me pay a reduced amount to settle it, but makes no mention of my right to dispute the debt.
Solomon & Solomon PC stated in their response to a complaint that I submitted in XXXX 2017 that they were coding my complaint for a delete with the credit bureau 's. This account is still present as paid on my credit reports but as Solomon & Solomon PC stated I want the account deleted and I would like Solomon & Solomon to contact all 3 credit bureau 's to have account deleted. Below is Solomon & Solomon 's response from XXXX/2017. Company responded Status Company responded Closed with non-monetary relief on 2017XXXXXXResponse TypeClosed with non-monetary relief Company 's  response The firm shows the account under XXXX XXXX at a XXXX address with a matching number. The utility account is paid. Due to the change of address to XXXX we have coded a delete. The firm shows the account under XXXX XXXX at a XXXX address with a matching number. The utility account is paid. Due to the change of address to XXXX we have coded a delete. The firm shows the account under XXXX XXXX at a XXXX address with a matching number. The utility account is paid. Due to the change of address to XXXX  we have coded a delete.
XXXX XXXX XXXX. garnishment on my state taxes for a credit card debt from XX/XX/2007. The garnishment still is active, they sued me in a different county from where I live and served papers after the court date. I figure whatever let them garnish the {$100.00} a year for the next ten years, but now. 
I get a letter from Berndt & Associates P.C. stating I owe {$3000.00} for the same XXXX  XXXX credit card! The original credit limit was {$500.00}. We stopped paying in XX/XX/2007 when my husband and I lost both our incomes. 
So this 11 almost 12 year old debt is still being persued? This seems very WRONG!
ALLY AUTO IS NOT REPORTING TO  XXXX  ONLY! THEY MUST CALL THEIR   XXXX    RESPRESENTATIVE FOR HELP IN UNSUPPRESSING MY  XXXX  CREDIT REPORT, YOU ARE PAYING FOR BUREAU I.D . AS A CREDIT FURNISHER.
I have sent in verification letters on XX/XX/2017 to XXXX and Experian asking them to verify the negative items or remove them, and they have done neither to my report.Have not recieved my report from XXXX that I asked for during this time.
On a recent trip I used my bluebird account to pay for the hotel. 
Somewhere in the process Bluebird recorded transactions improperly. As a result my card was erroneously charged XXXX dollars which caused a huge deficit in the account. Bluebird would not immediately correct the problem and stated that i needed to wait another 48 more hours for a refund!!! This caused me much financial hardship.
I make a payment every month and because it is within 120 days I request that it is applied to the principal. Every month they do not apply it to the principal and I have to call and for them to reapply the payment just to the principal. 

My 2nd to last payment was made on XX/XX/18. I requested that the payment be applied to principal only for the same reason ( within 120 days ). I've called 3 times for them to do this and it is not being completed. It is now a full month. Calling is not resolving the issues.
Mortgage Company : Mr. Cooper Loan Num : XXXX BK Case no : XXXX BK file date XX/XX/2018 To Whom It May Concern : Im writing this letter to complaint about my mortgage company and communication received from my lender about my homeloan. I filed XXXX XXXX bankruptcy before the foreclosure sale date what is referred to the automatic stay, Im confuse as to why my house foreclosed even do Im protected by the bankruptcy law. Im requesting that the foreclosure gets reversed. I want to stay in my house. I would like for my lender to assist me with a reasonable payment plan or loan modification. I have called my lender on various occasions and talked to different representatives regarding a solution to me defaulting on my mortgage and haven't received a real solution.
Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623.  Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, FTC Identity Theft Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX
Collection XXXX XXXX XXXX XXXX XXXX XXXX Called XXXX/XXXX/XXXX, XXXX XXXX left no message. 
I called back at XXXX XXXX and instructed XXXX instructed me they were working on behalf of Second Round in an attempt to collect a debt.I told XXXX not call my number again or any number he may have associated with my name or account. I then provided XXXX XXXX XXXX name and phone number ( my Attorney ) and ask he contact him directly. He said OK and thanked me for calling. 
Today is day two since their first call and I have yet to receive anything in writing from Second Round or XXXX XXXX XXXX XXXX XXXX in regards to any debt that I may owe. Its my understanding that under the FDCPA they must supply documentation by day 5. My  credit report was pulled by XXXX XXXX XXXX on XXXXsoft pull. 

Today XXXX and still have not received any documentation from anyone concerning a debt I owe. 
. 
Today XXXX/XXXX/XXXX Debt collector XXXX XXXX called ( XXXX ) but left no message. 

XXXX/XXXX/XXXX I returned the miss call and they stated they were working on behalf of Second Round and attempting to collect a debt. I told them to speak with my lawyer and gave the info to them. 
I followed up and emailed Second Round informing them they were in violation of the FDCPA for having their collection network call after being advised I had an Attorney and to only call him and no longer attempt to contact to me. XXXX/XXXX/XXXX. My credit report was pulled by XXXX on XXXXsoft pull. 

XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX called. I returned the call advising them that they had violated the FDCPA rule and XXXX comment was that it was a mistake, she was not trying to call me, it was just that I was in their system. She did acknowledge that she had violated the rule. 
Also, today XXXX/XXXX/XXXX, I have yet to receive any documentation from any debt collector in regards to any debt. My understanding is no later than five days after a collection call, its required that the collector send a letter describing the debt. 

XXXX/XXXX/XXXX, yet to receive ANY documentation. 

XXXX/XXXX/XXXX pulled credit report and noticed recently Second Round had placed a collections account and derogatory mark on my credit report causing my score to fall 22 points. Again, I have never received any account info, debt owed or any other communication from a debt collector in writing that I owed this debt. 

As noted, I believe Second Round ( the main collector ) violated the FDCPA by calling after advising them of my Attorney and providing his contact number. I also believe my rights were violated when five days expired and I did not receive any documentation following their calls. Today ( XXXX ) I have not received one single letter from any debt collector including Second Round, XXXX XXXX XXXX XXXX or XXXX XXXX in regards to any debt whatsoever.
I ordered an item that I was not aware came from XXXX. When I received the item it was not in US sizes so I did my due diligence and contacted the company for a return label to ship the item back pre paid since it would be more than I paid for the item to send it back they agreed but I never got the postage paid return label. I have disputed this with my checking account Chase Bank which just reversed the credit.
I have been a Rushcard holder since 2009! Recently I had applied for another card so that I can get my tax refund deposited on it. Well I have yet to recieve my card that already has my refund on it. It has been over a month and everytime I call the customer service they first of ca n't speak English and they apologize and cancelled the card that they claimed was sent and then issues out another XXXX card well they OVERNIGHT the card and of course I have never recieved my card nor money and this is my last resort. My husband aplied for a Rushcard after me and he has received XXXX and I have yet to recieve mine. I guess it 's because my card has money on it!!!!!!!!!!
I NOTIFIED PAYPOWER IN REGARDS TO A FRAUD/SCAM. THE COMPANY RECEIVED MY CARD NUMBER BECAUSE I WAS TOLD THAT IT WAS NEEDED INORDER TO PROCEED WITH A ORDER TO HAVE SOME PAPERS COMPLETED/TYPED AND PREPARED FOR SCHOOL.
I am writing about the collection company FCO : Fair Collections & Outsourcing Inc. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I have asked for formal Validation of debt in which that they have not complied with. 
The so called debt with withdrawn in XXXX XXXX New York Court. The case was dismissed when the original creditor XXXX XXXX withdrew the case and no judgement or lien was awarded at all. I went to the county clerks title department and they confirmed their is no legal authority to collect this debt as it marked as disposed. 
They are refusing to remove this from my credit file and my fiances credit file which is preventing us from obtaining a home for us and our XXXX children ( ages XXXX ) Please help me as you are our last hope. 
We can not have any disputes on her credit file per the mortgage lenders as well. 

Sincerely
On XX/XX/2018 BARCLAYS BANK DELAWARE located at XXXX XXXX   XXXX XXXX, DE XXXX ran an unauthorized credit report on me. I had given no written or verbal authorization to run this report, nor had I applied for any credit card or any other type of credit.
On XX/XX/XXXX I sent a payment of {$1700.00} to Wells Fargo on a XXXX department credit card with a balance o {$1500.00}. I sent more to cover any additional financial charges to pay this account off. On XX/XX/XXXX Wells Fargo applied the payment to my card leaving {$130.00}, I called on XX/XX/XXXX to confirm when I would receive my credit back and was told at that time I would receive in 2-4 week. On XX/XX/XXXX I call to confirm payment was received, and that I had a credit of {$130.00}. I was told that I should receive the check by XX/XX/XXXX. I called a 3rd time and told them I had not received my check on XX/XX/XXXX. I received my billing statement around XX/XX/XXXX that showed they had applied the {$1700.00} and I had a credit of {$130.00} refunded on XX/XX/XXXX. Again I was told I should receive the refund by XX/XX/XXXX ( Different date than XX/XX/XXXX ). My 4th call on XX/XX/XXXX I told them I had not received my check, Wells Fargo responded it would be by XX/XX/XXXX, yet again different date. We are now one month from the time they applied my payment on XX/XX/XXXX. 5th call to Wells Fargo was made on XX/XX/XXXX, I told them I had not received my check, it went from the Representative, to the Supervisor, to an Executive Officer, to a Corporate Compliance Researcher. I was told they would have to cancel my check and I would have to wait another 30 days to receive my credit. The gave me a case number XXXX. On XXXX ( 40 days from applying my payment ) I called XXXX XXXX at XXXX XXXX XXXX XXXX Ext XXXX, three times and my calls went straight to her voice mail. She has not returned my call, Well Fargo has had 3 business days to research why and tell when I will receive my refund and I have not heard any thing back from them. I have attached my last billing statement to show when the credit was applied and when they said they refunded my money however they can not product any documentation showing a check has been chased or if they even mailed the check. I 've waited 40 days for this and was counting on that refund to help pay off another debit. I have gotten no where with Wells Fargo, I keep getting bounced from one rep to another or my call to XXXX XXXX are not being returned. In light of what Wells Fargo has done to other customers in the news, I want my money back so I can close out my account and leave this company. I need someone to help me. 

XXXX XXXX XXXX
In the attached document in additional information. The response is not clear, on who has my debt. it appears, that someone or a another company has the debt, that are not to have under law. Who has the debt, why did they not notify me that they have the debt, and what if any giving information to any other entity. What other companies have a hold on this debt, has ti been sold and resold to other companies, if so, they have violated several federal laws and XXXX XXXX Laws.