WillisBack/dataset-financial-user-claim huggingface dataset:
My husband was looking for a personal loan XX/XX/2016. We looked at lendingclub.com and inquired about an unsecured loan. We were approved for the loan, but we did not proceed with signing the loan agreement. We did not receive ANY funds through our bank, or through a check. We have documents from our credit union that no deposit was made by that company. I have asked for documentation of the loan, our electronic signatures, emails sent etc, but I have not received any. They are now saying I owe money and have sent me to collections, and I have negative reporting on my credit report. 
I never received a billing statement. On my husband 's credit report, it says that he made 76 % of payments - but we never MADE ANY payments at all because we never received a bill, or even agreed to this loan, but on my credit report, it says we did not pay any payments at all.
On XXXX XXXX, XXXX we filled out a RMA with BOA for a Harp XXXX XXXX modification. In XXXX XXXX we were granted a temporary modification from BOA. We were informed that the modification could change after we made the XXXX trial payments to a XXXX XXXX XXXX. In XXXX XXXX, we made our 3rd payment to complete the 3 trial payments. We spoke to our account representative and she said she was putting in the request for the permanent modification. She stated that we should receive the paperwork in the mail in approximately 15 days. We did not receive any paperwork in XXXX XXXX. I called BOA to inquire about making another payment and about the permanent modification. They processed the payment and then told me that there was no paperwork completed yet for the permanent modification. The representative then told me that there was no guarantee we would receive a permanent modification but that we should continue to make monthly payments.
I moved out of apartments and paid my last month rent and move out fees. They accidentally applied my payment else where which in turn sent my balance to a collection agency. This happened in XXXX of 2014 and I still can not get it cleared despite them stating they made the error and have said it was fixed twice.
This complaint is against CBM Collections ' collection claim, on behalf of XXXX XXXX XXXX in XXXX, as it appears in my credit report. 

XXXX collection claim is not valid, since it is demanding payment of monies I never committed myself to pay them. I was billed for almost double the amount I was quoted for a XXXX procedure. In 2014 I paid to XXXX XXXX XXXX slightly over {$300.00} for a XXXX. This amount of slightly over {$300.00} was what I was quoted for a XXXX procedure. I never contracted any responsibility to pay any extra amount XXXX may wish to receive. I did not receive any additional service to justify the difference between the amount I was billed for and the amount I was quoted. Therefore, I can not accept nor submit to such claim. 

XXXX XXXX XXXX excuses the discrepancy between the amount quoted and the amount billed, because they alerted the amount quoted had to be prepaid. According to them, that meant the amount quoted was only an initial payment, but the final amount due would be anything over the amount quoted. XXXX explains their quote does not provide any insight of what would be the final amount due. Instead, I have pointed out that what XXXX calls 'prepayment ' is actually generally referred as 'down payment '. It only takes to look up a dictionary to understand a 'prepayment ' is a payment that needs to be completed before services are rendered. 

If XXXX quote is only a statement of an initial, partial payment, but does not provide any insight of what will be the final amount due, then they need to say so. They need to clarify the quote is only a down payment, but the final amount due is undetermined. XXXX has a very obscure and deceiving way of conducting business : they quote a very low amount to get the client 's business, but then they bill you for a much higher amount. If the client does not submit, they ruin your credit rating. The mismatch between the terms 'prepayment ' and 'down payment ', is not accidental, but absolutely intentional. XXXX continues its practice of referring what is actually a 'down payment ' as a 'prepayment. 

When XXXX submits its collection claim in my credit report is making a statement I am not financially responsible and do not meet my financial commitments and responsibilities. They are alerting lenders and creditors, there is a risk I may not return the money I borrow or may not pay as promised. That statement is false. XXXX claim is false. Plain and simple : I never agreed to pay the amount XXXX claims I owe them. The truth is XXXX is actually trying to rip me off and is hurting my credit as a way to coerce me. 

Please, find attached my letter of grievance to XXXX.
Equifax is reporting CO in the current month of several closed accounts which is totally incorrect because these accounts are closed years ago. 
XXXX XXXX XXXX XXXX XXXX -- This account is closed 5 years ago but Equifax is reporting CO in the current month. They were reporting CO int he month of XXXX and in now they are reporting CO in the month of XXXX 2016. 
XXXX XXXX XXXX -- This is a closed and paid account but only Equifax is reporting it as open account and also reporting it with balance. Equifax is also keep on reporting CO every month on this closed account. 
XXXX XXXX XXXX XXXX -- This account is closed 5 years ago but Equifax is reporting CO in the current month. They were reporting CO int he month of XXXX and in now they are reporting CO in the month of XXXX 2016. 
XXXX XXXX XXXX XXXX XXXX -- This account is closed 5 years ago but Equifax is reporting CO in the current month. 

I have disputed this with Equifax and sent them many letters but they keep on ignoring these issue and continue to report these CO every month on the closed account and it is decreasing my credit scores terribly. 
I am attaching the screenshots of these
Loan # XXXX XX/XX/XXXX, Well Fargo gave XXXX loan under my information. XX/XX/XXXX I did not have a job or file Tax Returns. Yet with False documents Montgages were taken out in my name. One of the property was foreclosed already and the other one is coming up for foreclosure on XX/XX/XXXX. I have never been to california nor have I ever lived in california I have made several attemps to resolve this issue but can not get it resolve. I have never sign any documents nor visited any title company. I will like for this matter to be resolve. 
My Phone number is XXXX
On XXXX XXXX, XXXX we applied for a shortsale on our home as an alternative to foreclosure. After the bank did there bpo, and appraisal they want a price for the home that was too high and wasnt a true market value. After marketing the property for some time with a realtor we finally got a offer once they reduce the price and had another bpo and appraisal done ( 8 months later ). While marketing the property and maintaining it we received an offer in XXXX XXXX and submitted it thru the equator system. We alos received in the same month a foreclosure letter saying that the property was scheduled to be foreclosed on XXXX XXXX, XXXX. In accordance with Cfpb laws a bank is not suppose to have a scheduled foreclosed date when a homeowner has provided the necessary document 37 days prior to foreclosure when they are trying to work out an alternative to foreclosure. During the same month that we provided a contract we received a foreclosure date. In addition we received an email from the equator system in XXXX XXXX saying that the bank was now denying any shortsale proceddings. Not only were Nationstar actions unlawful in accordance with the cpfb laws but they were misleading and costly to myself, the listing and selling agent, the real estate companies, the attorney, the negotiators and others.
Hello. 

This account was paid in full. 
An arrangement between the lawyer and myself. 
Last week call the attorney to file a complaint Because that still keep it as debt collection {$150.00} He replied that it had been a mistake I was going to erase that negative report. 
This appears in XXXX Report. 
XXXX XXXX Original Creditor Citibank n.a . 
Open Date XXXX XXXX, XXXX Balance {$150.00} Collection Debt {$150.00} XXXX XXXX XXXX This appears in my bank report. 
XXXX/XXXX/XXXX XXXX * GA {$370.00} I need your help please. 
Kind Regards XXXX XXXX
My problem consist in that the two credit operators XXXX and experian, report data that is incorrect about me. This happens because I share the same name with my oldest son, I am tired of telling them by phone that this is not me, that they are reporting my son 's credit data, that my son 's birth date is XX/XX/XXXX and I was born on XX/XX/XXXX and we also have different social security number. But they tell me that in order to correct their mistake, I must send them all my personal documentation that confirms my identity ... and then I asked them : how is it possible that you report wrong information about me, but you tell me that you dont have my information? This is a contradiction and a paradox. I am not willing to give any private information to these credit agencies, I have no relationship with them and I will not correct anything that I have not created, those errors in my credit report are NOT attributable to me, they are the ones that have to be well documented before destroy my credit records and my reputation, all this has affected me in the request for an increase in my credit cards limits, in the cost of my insurance policy of my car and in my driving record also. They have damaged my public image and my credit reputation, having reported unverified and incorrect data about me.
I called XXXX XXXX, XXXX XXXX 2017, regarding the Genesis loan that I received while attending XXXX. The program/school has been found to be fraudulent and thus I requested my private loans to be discharged. There was no supervisor available, nor was there anyone that could discuss or authorize the discharge. I then was then given an incorrect number of someone else to contact.
This was removed from my credit report per the above mentioned dispute. It was then sold to another collection agency and again put back on my credit report. I filed another dispute ( Confirmation # XXXX ) and they have refused to remove the information that they had already once deleted from my credit report.
I received an alert email from XXXX XXXX advising me that there was a change to my Transunion credit report and a credit inquiry was sent by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2018. I have not applied for any new credit cards. I contacted XXXX bank and they told me they did not see any recent applications. They advised me to call XXXX. I called XXXX and they could not help either so they asked me to call Transunion. I called Transunion and they could not help me either. 
I would like to try to get a hold of the XXXX ( XXXX XXXX XXXX XXXX ) but there was no phone number. I would like this inquiry taken off my credit report and I would like to prevent them from approving any account opening under my credit information.
Hello : I contacted the Equifax regarding inaccurate/unverified entries on my credit profile. There are 2 hard inquiries ( XXXX XXXX ) & ( XXXX XXXX ) that were nonpermissible & unauthorized. I was advised to contact the creditors regarding my dispute ; they were of no assistance & had no record/information. Equifax sent me a statement, indicating " inquiries are a factual record of file acces.. '' to contact the creditor. I have done so & the creditor had no record, no information & referred me back to Equifax. This unacceptable. 2 ) My credit profile as indicates a public record which is inaccurate/unverified. I was advised by equifax to contact the lister. I made contact, and provided a court letter therfore, they don't report information as they aren't reg by credit bureaus therefore, the equifax inaccuracies must be removed. Overall, based on my dispute, provided documentation, AFFIDAVIT & court letter. And clearly equifax is stating they verified, but as Equifax verification is obviously inaccurate, assistance is needed. My consumer rights are being violated XXXX & clearly reporting invalid, specious information. Due to equifax 's breach, i have redacted unncessary info and have supplied copy of letter received regarding my dispute.
I recently disputed some errors on my credit report with XXXX and XXXX. I did so via postal-mail in a letter that I mailed to them on XX/XX/XXXX. I was supposed to get a reply within 30 days. To date, I have received no responses.
On XXXX XXXX, XXXX, I called Experian to file a dispute on my XXXX XXXX XXXX tradeline. The dispute was for the incorrect reporting of a 30 day late in XXXX XXXX and a 30 day late in XXXX XXXX. Experian stated that those dates were both reported as 30 day late payments from XXXX XXXX XXXX credit reporting department. On Monday XXXX XXXX, XXXX, I spoke to a representative in the President 's Office at XXXX XXXX XXXX and she confirmed with the credit reporting department that I was NOT 30 days late in the month of XXXX or XXXX XXXX, and that I was not late at all in the year XXXX. On XXXX XXXX, I submitted a written request to Experian Customer Support and someone named XXXX XXXX responded, I requested that a Manager from the Dispute Department to contact me and I have yet to receive a phone call or email from anyone at Experian. I received a letter from Experian dated XXXX XXXX, XXXX stating that " our reinvestigation of the dispute you recently submitted is now complete ''. How is the investigation complete and I just submitted to you on XXXX XXXX, XXXX?! I have called several times and XXXX XXXX XXXX is saying that it is Experian 's fault for ignoring the information that they are submitting to them with the monthly reporting information, and Experian is saying that it is XXXX XXXX XXXX 's fault because they are continuing to report my account as 30 days late for both XXXX and XXXX of XXXX. Experian is not contacting XXXX XXXX XXXX to obtain correct information from the actual Credit Reporting Department themselves, and XXXX is saying that the incorrect reporting is not their fault it 's Experian 's fault. This needs to be corrected and XXXX XXXX Credit Reporting department needs to send the correct payment history for XXXX to Experian, and Experian needs to report my information correctly. I have not been late on my account in over two and half years, and this situation is unfair and frustrating.
I requested validation of the debt  Capstone Credit Services Inc say I owe on   XXXX   XXXX   XXXX  .
I lost my job XXXX XXXX XXXX. I immediately contacted Pacific Union Financial to obtain a hardship hold on my loan payments until I could get another job. They approved this finally and eventually forced to take another job XXXX XXXX XXXX. I then contact Pacific Union to allow me to start making payments again online in XXXX XXXX. They refuse and say I need to pay $ XXXX back before I can make my monthly payments. Of course, I am unable because of loss of job. I then submit paperwork to modify my loan so I can start making my regular payments again. This drags on until end of XXXX XXXX when they come back with a $ XXXX a month payment to pay up the past due. I realized that I had mis-subtotaled my expenses on XXXX form and it made my income vs expense a large positive #. I immediately contacted them and told them my mistake and sent them the corrected sub-total. They said this was fine on the phone and to wait until underwriting could review and revise. They sat around another month and told me that was not good enough and I need to re-submit everything all over again. I fought this, but figured I might as well re-submit since they did not want to cooperate. While this was going on, I knew I needed to rent the house since I was then living XXXX. So, when I had to re-submit all the paper work, I had to disclose that I was renting the house at this point. They sat on the re-submission almost 1 1/2 months and just told me I was turned down due to me renting the house. This is ridiculous for only being out of work for 6 months and they have now built up the payoff to over $ 25XXXX where I can not pay it. They have purposely run up the interest when I could have been paying the regular payments since XXXX XXXX. It is now XXXX and they refused to take any payments until the modification was done.
I walked in to XXXX XXXX XXXX XXXX and picked out a coach, two dresser and a sectional which came to {$1500.00}. I was offered a sale price because the business was closing and told that with {$40.00} down I could setup delivery for the items and make installments for XXXX until the balance was paid through a company they used for financing called XXXX XXXX. I paid the XXXX dollars and applied on line at the store. I was approved for much higher then I needed but only purchased the items I picked out. I received an email to approve the transaction of XXXX bi weekly and was asked for my bank account information. apparently there was a 90 days same as cash option that they interest rates would have cost me an extra XXXX dollars after that and continuing to make the bi -weekly payment it would cost me another 1500 dollars plus. I contacted the company about a week ago to say Zi should have paid this off a long time ago and they told me there was no credit that the exact amount I had paid prior to my inquiring about the over charge was all of a sudden the exact amount I owed once you add the XXXX dollars I paid originally. The company was XXXX XXXX and they change there name to Acima. There was no message sent to me about the hike after the 90 days. I asked for proof by way of signed docs that I was aware of the hike and Acima sent my a non digital stamp pdf format made up signature that was not handwritten or date stamp for when you do an electronic signature. The correspondence emails and statement of accounts are attached. This was definitely a scam from the store sales person to the finance company. I paid for the furniture twice and gave a tip.
Dear  Sirs, O ur company who name is    XXXX   XXXX   XXXX  , we  are a wholesaler and importer in  XXXX   XXXX , California over 19 years. We use the credit card merchant service from  First Data  under the contract ( account #  XXXX   ) s ince   XXXX   XXXX   until now.     Bu t First Data ha s increased the retail rate under our account without notifying and have over charged too much from our account during  XX/XX/XXXX - XX/XX/XXXX .The monthly statement  of First Data provided to us witho ut full detail which kind of credit card/retail rate and amount of charge /service fee of each transaction and each date always.     We have not got full detail of monthly statements of    XXXX   XXXX  -  XXXX   a nd over charge amount from First Data still after  over 40 days  difficult negotiate with   XXXX   XXXX  /  XXXX   XXXX  /  XXXX   XXXX  /  XXXX   XXXX   of  First Data  since   XXXX   XXXX   until today.     According to the program guide, accompanying the merchant application and agreement between  XXXX   XXXX   XXXX  and  First Data : Sub ject to section  XXXX , we als o may increase our fees or add new fees for services for any reason at any time, by notifying you twenty ( 20 ) day 's prior.      It is our right that  XXXX   XXXX   XXXX  as a senior and value customer of  First Data to know full detail of charge of each transaction/each date and get back full   amount of over charge from monthly statements which kind of credit card/retail rate and amount of charge/service fee during    XXXX   XXXX  -  XXXX   w hich all in  one page from First Data base on our retail rate have been increased and have been over charge our account without any notifying by First Data.
Initiated credit freezes at all XXXX bureaus in XXXX of 2015. 
Equifax and XXXX now require a form letter and ID to be sent via mail to receive the free credit reports. XXXX still provides the report online. 
Equifax and XXXX are being punitive since I initiated the credit freeze.
I contacted the credit reporting agencies on  XXXX / XXXX / 2017 , by mail. As required by law they still have not responded my to request
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX To whom it may concern, R.S. CLARK AND ASSOCIATES Debt amount {$320.00} Opened XXXX XXXX,2012 the debt collector is not licensed in the state of Florida, they are violating the FCCPA and in turn violating the FDCPA. Each violation carries a {$1000.00} statutory damages provision for each violation. Please remove this debt from my credit report. Thanks
I am very happen with the statis of a refinance on my FHA loan throughLoan Depot, applied XXXX XX/XX/XXXX and in XXXX told my wife 's XXXX hadexpired and needed to renew it! I had my original loan in XX/XX/XXXX and cardwas already expired XX/XX/XXXX I was told by my rep, I did not have to makemortgage payment until XXXX, it was adjusted in new loan! ( this was onhis cell ) not recorded ). XXXX XXXX card was renewed and told it was inprocessing and then on XXXX XXXX, I was told can not get loan, due tomissed payments! Contacted FHA and no help! I feel I should not beblamed in this case and loan should be reinstated! I did all they wantedand closed my accounts to be paid off and now have destroyed my creditand financial in ruin! It seems the laws are not to help anyone in need, retired, on social security, to be taken advantaged of!!!