WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX and Big Picture Loans solicited me and others in XXXX, MA for payday loans under {$6000.00} with an annual percentage rate much higher than the amount allowed in Massachusetts, without being licensed with the Massachusetts Division of Banks. 
XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, sent me a flier by United States Postal service saying me and 451 people who specifically resided in XXXX, MA were pre-approved to receive up to {$400.00}. I took out the loan ( loan # XXXX ) and paid the loan off in the amount of {$1700.00}. During my loan with XXXX XXXX, they assigned the loan to Big Picture Loans XX/XX/XXXX. 
XX/XX/XXXX, after I paid my previous loan off, Big Picture Loans sent me a solicitation for another loan by United States Postal Service saying me and 34 other people who specifically reside in XXXX, MA were pre-approved for up to {$600.00}. I took out the loan on XX/XX/XXXX, which was approved for {$900.00} ( loan # XXXX ). This loan had an APR of 497.6312. After paying {$640.00} on the loan, I asked Big Picture Loan if they can NOT debit my account the following pay and allow me to skip a payment time because I was having financial difficulties. They told me they could wait until the next pay time BUT I would have to make 2 payments. I had to agree because I had no choice. They were not willing to extend the loan by 1 payment. After having problems with them remotely creating checks on my account without my permission, causing me {$60.00} in overdraft fees, I wrote them a l complaint letter. They offered me a settlement which I approved but they stopped taking funds out of my account. I revoked their permission to access my checking account by sending them a letter. 
I feel these loans were illegal because I have recently come to find out these companies are not licensed to do small loans in Massachusetts, and by these companies being aware of this but still soliciting advertisements via United States Postal Service, they were being deceitful and are liable for refunding all money that I have paid on these 2 loans in the amount of {$1300.00} plus the {$60.00} insufficient fees I was charged on my banking account totaling {$1400.00}. 
If the company would rather have the Massachusetts Division of Banks make a ruling on whether they owe me just the finance fees I paid or the full amount paid for the 2 loans which is {$2300.00}. I would be willing to file a complaint with them and let them make an accurate decision. I would also like a letter stating both these accounts are closed. 
I would like to have this money refunded to me within 15 days via express mail. Any correspondence is to be done by email or certified mail where it can be documented. These companies have cause me long term financial harm. I have enclosed supporting documents.
A credit card was issued to me by First Bankcard for XXXX an online retail chain. Just three days after receiving the card, it was closed by First Bankcard. The card was never allowed charges because the company called me and said it needed to check for fraud and go into my local bank and show all my ID 's documents. A red flag came up because that was not the agreement of the card being issued in the first place. The cards were cut up and returned to the company, but they have charged {$1400.00} to me and refuse to take the charges off, keep putting late fees on the account, and charging interest to unauthorized/undocumented charges, in my name ; despite my writing the president, XXXX XXXX XXXX, and all the Bank Directors/CEO 's about this problem. I am XXXX years old and I can not bear the pressure this company is putting me through. They never let me charge XXXX item, nor have they paid for one item on this fraudulent account, they opened and closed in three days. Please help me and others like me who has been betrayed by First Bankcard of XXXX, NE.
In late XX/XX/XXXX, I applied for a loan assumption/modification on my late husband 's mortgage. 
I submitted all necessary documents. XX/XX/XXXX - was told by servicer that application + supporting docs were complete and under review. XX/XX/XXXX - was informed that application was denied because it was incomplete. XX/XX/XXXX and XX/XX/XXXX, I reapplied again. On XX/XX/XXXX and again on XX/XX/XXXX ; I was told the application was denied for incompleteness. 
In each submission, I have confirmation that they have received what was requested. I finally was forced to file a civil complaint in XXXX Superior Court ( XXXX ) on XX/XX/XXXX, to address this. 
The Service is still moving forward with the foreclosure sale on Monday, XX/XX/XXXX and has, to date, refused to extend any assistance.
TransUnion,  XXXX  and  XXXX , do not report all payments, I have contacted  XXXX ,  XXXX   XXXX , and others and they say, the Credit Bureaus do what they want  ans  have NO REGULATION. Despite companies sending in my on time payments, the credit Bureaus retaliate on consumers who complain by not fully adding payments made from day one to manipulate consumer credit sco res. We have copies of reports and hard copies, evidence shows the Malfeasance of the Credit Bureaus. Should we file complaint with US Department of Justice to end their corrupt action and retaliation? Credit Bureaus are refusing to report company in formation.
It happened on XX/XX/18 that I received a email saying my credit score dropped 44 points. I have no idea how this happened I bank with capital one and I never once missed a single payment with my credit card nor my truck note which is {$720.00} a month. My credit card max is  {$300.00} and it was at {$280.00} the payment wasnt do till XX/XX/XXXX. So I waited till a closer date to pay it thinking it would help out my score which I dont know if its true or not cause I know so little about credit. But I always paid couple days ahead of the payment date with my credit card. Which I did pay it off on XX/XX/18. I was wondering if you can please give me back those 44 points you took from me cause I always paid my bills on time or ahead and I really dont know what I did wrong but I need my credit score to be where it was cause I believe I didnt do anything wrong by not going over my limit.
Equifax was hacked and I believe someone stole my information. Have n't looked on their website because if I do I waive my right to sue them.
We locked up the mortgage rate for a mortgage application in XXXX XXXX. The locked-in rate was valid for 45 days. XXXX requests many documents separately over numerous times. Our turn-around time for all the requested documents was less than XXXX hours. Many of the requested documents were redundant. eg. request a copy of passport and work visa. 

The mortgage application process took so long that our 45 days lock-in period has expired on XXXX XXXX. Due to the upward trend of the mortgage, we end up paying extra penalty {$1500.00} to buy points in order to get the same mortgage rate. When we asked XXXX why the application process took that long. XXXX blamed the long delay on getting ready for the title report. Then, we asked for the name of the title company, that we deal with our application, two times. XXXX did not provide us with the name of the company. Therefore, we can not verify the long process was caused by the title company. From our previous 20 mortgage applications experience with mortgage application, the earliest title report which was ready within the same day ; the longest title report was ready within the same week. There are many title company out there. When one title company fail to provide the title report within a week, mortgage broker should choose another tittle company. 

We were forced to pay a late mortgage penalty for our previous mortgage company. We were promised our mortgage application would be funded XX/XX/XXXX. Therefore, we thought we did not need to pay our XX/XX/XXXX mortgage payment, in our previous mortgage. We received phone calls from collection agency threatening us our house would be foreclosure within weeks if we did n't pay our XX/XX/XXXX mortgage. Debt collectors also threatened to report our late payment to all three credit bureau.
U have a credit card r bank card that i dont have u also say i applied for car loan that is untrue
There are two debts on my credit reports from XXXX XXXX XXXX. One is for a XXXX XXXX  specialist for {$2000.00} and the other is for a XXXX for {$100.00}. Neither of these debts are mine - I am in excellent health and have been to neither of these doctors. Ever. I have disputed them many times with XXXX and XXXX ( they are not on my XXXX report ) and they always come back saying that XXXX XXXX XXXX verified that the debts are mine. So, I sent a certified letter to XXXX XXXX XXXX requesting that they either offer proof that the debts are mine or remove them from my credit reports and gave them 30 days to do so. Their 30 days were up on XX/XX/XXXX/17 and I did not receive a response, nor have I received one since. I then disputed the debts with XXXX and XXXX, explaining that I had sent a certified letter to XXXX XXXX XXXX and had not received a response within 30 days. I just received a response from XXXX stating that XXXX XXXX XXXX verified that the debts are indeed mine. No, they are not mine. They had 30 days to prove it, they did not, the debts are not mine, they need to be removed from my credit reports and XXXX XXXX XXXX needs to be punished for not following the law.
According to 2 hard inquirys on my credit report one XXXX/XXXX   through XXXX  from XX/XX/XXXX this account is still activate, but in excellent standards which should show payments made on time and account balance was paid off to XXXX  well ahead of time. Another inquiry is from Bay County Consumer which was paid off and account closed well over 10 years ago in XX/XX/XXXX or XX/XX/XXXX. I believe these 2 accounts begin hard inquiries are make my credit report through XXXX as low as it is at this time.
I obtained a XXXX Mortgage from Prospect Mortgage in XXXX thatincluded 3 months of mortgage payments. Prospect transferred my loanto XXXX who did not apply those payments so that when I made mypayment in XX/XX/XXXX they returned the payment saying I wasin default for not paying the first 3 months. I called Prospect and was toldthey no longer service my loan and referred me back to XXXX. I wentback and forth like that until I hired an attorney to assist me in XX/XX/XXXXto see if I could get a Making The Home Affordable Modification. Aftermy attorney did research it was found out that XXXX failed to applymy 3 month payment that was sent to them from Prospect Mortgage andthus made it seem like I did not make the first 4 contractual paymentsunder FHA. As the loan was a gut rehab XXXX loan with $ XXXX towardsthe work to be completed I could not live in the home until the house wasat least habitable ( with working toilet, kitchen and bedroom ). Prospectdue to XXXX 's negligence in handling my payments was informed ofthe forced delinquency and then refused to pay my contractors. So Ithen had to come out of pocket to pay them for the work they had done. 
XXXX stated they could n't give me a Modification because they didn'tfind evidence of my first 4 contractual payments which would have beenthe case had they appropriately applied my 3 month mortgage escrowand my XX/XX/XXXX payment which they returned. When evidence of thenegligence on XXXX 's part was presented their next argument wasthat I did n't live in the home. Which did not have any working plumbingnor was habitable due to their incorrect classification of me as a delinquentborrower. Prospect Mortgage has not released any money since XX/XX/XXXXfor work repairs. I need to have my home complete before the end of yearas I need to put in my boiler for the winter.
So i checked my credit report 2 days ago and noticed that there is supposedly an account thats been open for 2 years and 2 months that belongs to a XXXX year old with my name, it also says there is a missed payment. I believe this only shows up on the equifax report. I think they have confused me with my father because we share the same first and last name, him being XXXX and me being XXXX. It is impossible for this missed payment and credit history to be mine seeing that i am only XXXX and have just gotten a credit card in the last month while in college.
I co-signed on a student loan and am the only one paying for they ca n't find the original borrower. I spoke with my account rep and explained the hardship after being threatened of being sued. I was told that I was enrolled in the XXXX XXXX XXXX forgiveness plan and the payments were set up for a year and 2 months at {$130.00} for 2 loans. I met the requirements by setting up automatic payments through my checking account. I was told that once these payments were completed that would be it ... .no more student loans. Now, I 'm receiving phone calls and emails about re-enrolling in a rate reduction plan and that I must have misunderstood because there 's no such thing. Loan Forgiveness is only for federal loans not private. I voice my disapproval and concern about being lied to but got no where. I finally agreed to set up payments through this rate reduction plan and was told that it was only for 6 months but the plan required 12 months of payments. I was also told that this is a step program and that the payments were definitely going to increase. The payment was to be automatic from my checking account in the amount of {$160.00} for 6 months and then the remaining six payments would be {$340.00} per month. I expressed that I could n't afford that and would not agree to a pre-recording a message that stated that. I was unable to workout a suitable or affordable payment plan with them. I am continuing to call in hopes of finding an understanding rep. 
Also, I have read that there is a lawsuit involving Navient and CFPB. I am interesting in being apart of the lawsuit.
Wells Fargo does not deduct amounts such as presented checks, debits, withdrawals, their usurious fees, etc.., in the order they are made by the consumer. Therefore, their current balance given to consumer on bank by phone is incorrect, making it impossible to accurately balance one 's account and resulting in multiple XXXX fees that they also do not disclose in a timely or accurate manner, resulting in fees on top of fees. They will also " bounce '' the same check as many times as it is presented, collecting XXXX each time! Ridiculous practice. Once a check is returned for " insufficient funds '' that should be it. But not with Wells Fargo. They will pay things out of order so they CAN " bounce '' and collect their fees. If you call to talk about it they act as if the consumer doesnt know how to balance their checking account. It took me a year to figure this out. I have paid hundreds in unnecessary fees. They are despicable!
I was denied a loan by XXXX XXXX XXXX after two inquiries provided misleading and inaccurate information. The two companies that provided the derogatory information were XXXX and XXXX XXXX. I have requested specific information from all three entities to elaborate on this information used against me and gotten no response.
I have been in different periods of administrative forbearance since XXXX of 2018 and transferred to XXXX XXXX in XXXX. Despite this, XXXX reported me as delinquent. They are easily able to see that I am NOT delinquent - nor have I ever been. However, they are yet to reconcile this issue with the credit reporting companies. I am unable to get a BADLY needed loan because of this.
I sent a letter to Experian letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Experian did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XXXX 2016, XXXX, 2016 and again on XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and XXXX request to be investigated have been ignored.
My mortgage is current with Seterus Inc., and has been paid on time over the past 9 years. The payment is due on the first ; the grace period is until the XX/XX/XXXXof the month. My payments for XX/XX/XXXX and XX/XX/XXXX were paid after the XX/XX/XXXX but before the XX/XX/XXXX. When receiving the statements, they show a past due amount because the company sends out statements dated the XX/XX/XXXX. There is no past due payment on these statements. When speaking with a rep, I was told this is what the company does and a lot of customers get upset about it. It doesnt look good to get a statement showing past due when that is NOT the case. This could be very confusing to some clients who scramble each month to keep their payments current. They could end up forwarding additional payments thinking theyre past due. The company should be able to change their practice and not send statements out until after the XX/XX/XXXX of the month.
Wells Fargo is failing to properly provide me access to alternatives to foreclosure. Wells Fargo unjustly denied me a modification back in XX/XX/2012 and failed to complete another review of my loan for retention options. My loan is now in foreclosure with a sale date and I am scared that their unfair treatment will cost my family the home we have lived in for 17 years. We had an unfortunate financial setback at the beginning of XX/XX/2012 and missed a few payments. When we attempted to get caught up on our mortgage payments, Wells Fargo turned down our payment. We attempted to get a modification on our mortgage, but they quickly turned us down and then spent SIX YEARS continually finding one reason or another never to finish a complete review. They wanted so many documents and we gave them everything they wanted. However, they said we did not get the documents in on time and shut us down. We became professional document senders and we believe they jut want to take our home away based on the fact that we have equity in our home. We are very far behind and it is their fault of that we have so many payments in arrears. When we speak with them they say they want to help us and they send us letters all the time saying they can help, but when I contact them I get nowhere. I am gainfully employed and can afford a reasonable payment, my loan qualifies for the government assistance programs and I can not understand why they won't start the process of getting me back on track.
I checked my report while trying a free monitoring service and see a item that I do not owe being I have different service and I always paid on time. From research of other consumer financial protection bureau reviews I am requesting you to delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.
For years my credit report has been merged with someone who has the same name as mine. I tried several years ago to clear up this issue ; I wrote to all XXXX credit bureaus and sent in utility bills only to be told that my utility bills were too old. I have XXXX and the process was overwhelming. My credit report is merged with another person with my name, XXXX XXXX. She has the middle initial of XXXX, and I have no middle name. I was born in XXXX and she was born, I believe in XXXX. I need this cleared up ASAP, as I am trying to save my house. I am trying to get a hardship/forbearance and I ca n't because there is a mortgage on my credit report that is not mine and is stopping me from getting the help need. The main item is a B of A mortgage account number # XXXX. This mortgage is not mine. There is another account that my mortgage company needs gone, a XXXX XXXX account number # XXXX. This XXXX XXXX account is not mine.
On XX/XX/2018, I received an alert from XXXX  that a credit inquiry was listed on my credit report from XXXX, XXXX. I have never ever even spoken to anyone at this company or about their product. I called the company to file a complaint that same day and explained to them that I did not authorize any credit report being pulled nor have I spoken to anyone at this company before. The customer service rep took down my name, email address and phone number and said she was going to forward my information on to get this investigated and would advise of the outcome. 

Then on XX/XX/2018, a XXXX sales rep knocked at my door to try and sell me services. I explained to him that I thought it was ironic that I had just received a hard credit inquiry on my credit report. He stated that he wasn't sure why that would happen because he didn't have my social security number but they can pull a soft credit inquiry to offer services when they are out in neighborhoods. He said it could have been a soft hit but nothing more. I explained to him that I had never had a conversation with him or anyone at this company about providing services and they did not have my authorization to pull anything on my credit file. I told him that I filed the complain with XXXX and that I wasn't interested in anything he had to sale. I am under a 3-year contract with XXXX and therefore I would not have any need for anything they have to offer nor was I interested especially if they violate consumer protection laws. He apologized and said he didn't think it would be a hard inquiry because he didn't have my information. He could only use my address.
I HAVE TRIED SEVERAL TIMES AND SENT IN COMPLAINTS AND FAX IN REGARDS TO ID THEFT THAT OCCURED ON MY ACCOUNT. I LOST MY PURSE. IT WAS REPORTED TO XXXX COUNTY SHERIFF AND XXXX XXXX POLICE DEPT. THEY BASICALLY TOLD ME THERE WAS NOTHING THEY COULD DO. I WENT IN TO GET CAR FINANCING TO FIND MANY ERRENOUS ACCOUNTS ON MY CREDIT REPORT DUE TO IDENTITY THEFT THAT I HAD NO IDEA EVEN EXISTED. PLEASE CONTACT THE 3 BUREAUS ABOUT THIS MATTER SO I CAN RESOLVE OUTSIDE OF CIVIL COURT. I HAVE ASKED FOR MY REPORT TO BE CLEARED OF THESE COLLECTIONS AND FOR THESE ACCOUNTS TO BE UPDATED MY IDENTITY WAS STOLEN BACK IN 2005 AND I'VE BEEN BATTLING THIS FOR YEARS. WHY AM I BATTLING WITH THE CREDIT BUREAUS WHEN THEY ARE HERE TO PROTECT THE CONSUMER. I ASKED FOR A FRAUD ALERT TO BE PLACED ON MY ACCOUNT. AND THE FOLLOWING ACCOUNTS REMOVED. 

THESE FORMS HAVE BEEN SENT VIA FAX AND THEY SAY WE NEVER RECEIVED THEM. HOPEFULL THEY'RE RECEIVED FINALLY!! 

XXXX XXXX XXXX XXXX XXXX XXXX ACC NUMBER XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  AT THIS TIME I HAD INSURANCE THIS WASNT ME AND IT NEVER WENT THROUGH MY INSURANCE XXXX XXXX  XXXX XXXX Account Number : XXXX CREDIT INQUIRIES XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX