WillisBack/dataset-financial-user-claim huggingface dataset:
I am currently paying on a loan from Green Trust Cash.  In a desperate need of cash, I reached out to them for a loan to pay some bills. Since the time I have gotten the loan, I have been struggling to pay it off due to enormous interest rate and the length of the loan. The other day I called and requested a copy of my contract detailing all the info of my contract, they would n't send it to me, the only thing they sent me was a detailed payment schedule of the payment left. 

In the state of Georgia payday lending is prohibited. 

In fact, there is a ban on payday lenders restricting their operation in the territory of the state according to the Industrial loan act ( Ga. Code Ann . 7-3-14. Ga. Comp. R. & Regs. r. 80 3-1.02 ( 7 ) and O. C.G.A. Section 16-17-1 et seq. ).

Payday loans go under a title of small loans, generally ; the minimal amount is {$3000.00}, according to the 16-17-2 of the Georgia Code.

Certain businesses and companies have a legal right to give such loans but in terms that all their operations are regulated by the Credit Card and Credit Card Banking Act. All the lenders wishing to operate in the state should adhere to 16 % small loan rate cap APR ( and 10 % per year discounted plus fees ) as well as 60 % per year criminal usury cap.

The Georgia Industrial Loan Act of 1955 essentially made payday lending illegal by requiring state licensing and registration and by imposing strict usury limits on small loans. In 2004, the Georgia General Assembly increased the fines and criminal penalties for people making small loans at illegal rates of interest. The law went into effect in XX/XX/XXXX 2004, and has survived challenges in federal court. Referred to as the Payday Lending Act of 2004, this law authorizes misdemeanor charges against violators, as well as fines of up to {$5000.00} per violation and a possible jail sentence of 1 year.
My Department of Education loan has been in income based deferment since it became due in XX/XX/XXXX. The status has always been positive till XX/XX/XXXX, when it is showing 3 late payments. I have contacted Dep of Education / Navient with this issue. They stated that the error may have happened when the loan transferred from XXXX XXXX to XXXX and while I was on the phone with XXXX representative, she made the proper corrections with all XXXX credit bureaus and also send me hard copies of the account status and a proof of our communication. I have all the original documents showing the dates of the deferment, payments due as {$0.00} and statements for the period in question showing amount due {$0.00} which I forwarded to TransUnion during XXXX different disputes, but the report remains unchanged. TransUnion keeps sending me a report stating that the XXXX items ( XXXX different tranches of the same student loan ) were updated from their processing of my dispute, but it is unable to provide with method of verification or documents showing different information than what I provided directly from Department of Education. TransUnion is violating my consumer rights under FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I demand immediate correction of my report.
I 've been trying to submit complaint about some accounts are my credit report. For some reason it 's like the credit bureaus are not taking my disputes serious at this point. I 've spoken to a consumer right 's attorney and he 's telling me i have a case against the credit bureaus. I 've decided to submit complaints before taking that step. 

The following accounts are incorrect XXXX XXXX # XXXX This account is inaccurate. Please verify this account to make sure that EVERYTHING is reporting correctly. 

Office Of The Attorney Gen # XXXX This account is reporting inaccurate. The balance is incorrect. If you do VERIFY this account please provide me with the steps you used to verify it. Who did you speak with, time and date or Please remove this account. 

XXXX # XXXX I have NEVER been late. Clearly this company has made a mistake. Please remove. 

XXXX Credit Card Clearly this company has made a mistake. I never asked to be an authorized user on this account. 

I know that mistakes happen but it should not happen at my credit 's expense.
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here. 

This account is not mine.
I recently received a writ of execution for my personal residence and personal property for a paid in full mortgage and a debt not owed. ( See attached XXXX XXXXXXXX XXXX documents. In XXXX of 2015, Dyck-O'Neal 's attorney debt collector filed a writ of execution for unoccupied, unencumbered Real Property but failed to pay the Sheriff to finalize and collect his judgment. Now, instead of refilling his writ of execution for the previous, unencumbered and unoccupied, real property worth far more than its illegal judgment, XXXX 's counsel has decided to harass and attempt to forcibly take our occupied home where I take care of my ill mother solely to harass, abuse, and extort money not owed. Our personal residence has two mortgages which encumber or secure the property for the amount it is worth placing mortgagees, including XXXX XXXXXXXX XXXX, XXXX, in jeopardy to an illegal debt collector extorting us for money owed. I have sent an offer again to the illegal debt collector 's counsel for clear and free, unencumbered unoccupied, real property or raw land, previously sought by writ by the illegal debt collector 's counsel, but the attorneys will NOT respond to any messages to settle the illegal debt for money not owed using my unencumbered and unoccupied real property previously sought by the illegal debt collector 's counsel for money not owed. How do I stop the insidious harassment of attorneys who will NOT stop threatening us because we reported their crimes of using fraud to extort money not owed? Failing to act on the original writ, causing three ( 3 ) more years of interest to add up on the illegal judgment, is another crime of abuse, harassment, and extortion for money not owed. In 2015, I filed a Quash for the property writ, in opposition Dyck demanded I give alternate property to the sheriff and therefore I was Denied. At that point, Dyck was able to collect its illegal judgment for money not owed but failed to do so by not paying the sheriff and allowing the writ to expire. The Sheriff said Dyck 's Counsel " NEVER showed up to pay for the Writ of Execution ''. It is illegal to harass us by now choosing our residence which fully encumbered, serving as security for two loans, one mortgage from XXXX XXXXXXXX XXXX and another private promissory note, while I have unencumbered and unoccupied real property, raw land in the same county, worth far more in value than the illegal judgment? I would appreciate a response to the pressing issue of abuse, harassment, and extortion for money not owed. Thank you.
XXXX is re-aging an old debt for the amount of XXXX. It is hurting my credit worthiness. It is stating that the account was opened on XXXX/XXXX/XXXX and that is untrue. This is an illegal practice and I would appreciate if it was deleted from all major credit bureaus immediately. I have called this company on XXXX and and XXXX they would not listen or try to resolve. I do not or have I ever had a written signed agreement with this company, this company does not have an active license to collect debts in the state of Florida
Student loan through  Navient was originated ( under   XXXX   XXXX   ) on   XXXX / XXXX / XXXX  in the aggregate amount of {$43000.00} with a fixed 6.5 % interest rate. I had financial issues early on and went through periods of forbearance, etc. which I understand would capitalize interest and increase the balance of the loan.     In roughly late  XXXX  I was past due, and contact ed (   XXXX   XXXX   )  the provider at the time. Spoke with a Rep, brought my account to date and was placed on a graduated payment plan which I was pleased with.     I have been paying {$300.00} per mon th (  {$290.00} due ) on time each month since that time. I have recently discovered that my balance is now over {$54000.00}. When I researched my account online I found that no monies were applied to my principal, all to interest, and late fees have been charged each month even though payments were not late. The last time I had payment applied to my principal was  XXXX / XXXX / XXXX .     I contacted Navient today and was told that my monthly interest is {$280.00} based on my principal, which has been increasing based on the lack of payment going toward it. The gentleman could not explain the late fees or why my entire $   XXXX    monthly payments were all going to interest rather than the {$280.00} only.     I have attached my entire account history and proof of monthly payment and due date as supporting documentation. I was never informed that my " payment plan '' would only cover interest. Today I was told that I would need to pay {$470.00} monthly to cover payment on the principal as well.     I would appreciate investigation into this matter. Thank you for your assistance.
To whom this may concern : My wife and I have finished our trial payments with Freedom Mortgage. I believe our modification is in the underwriter 's department. I have repeatedly tried to contact our single point of contact, finally today XX/XX/17 we were able to speak. My concern was we had satisfied our trial payments and what we needed to do going forward with additional payments. The single point of contact told us to continue to make monthly trial payments until Freedom Mortgage contacted us. Have n't we already satisfied that requirement. Some of your representatives told us to not make anymore payments until we heard back, we are most diffidently confused. Our main concern at this point is to have a clear understanding, preferably in writing what to do about making future mortgage payments until the modification is complete and all documents are signed, we also want to make sure that our payment history shows current on our mortgage while we are waiting for completion of our modification. Thank you for your understanding.
to who may concern My name is XXXX XXXX and I am a victim of presto auto loan malpractice and false advertisement, last years I was in search of a loan, to help me maintained the course of my business, I took out a loan of {$10000.00} on XX/XX/XXXX and used my XXXX XXXX XXXX to secure the loan the advertisement that I saw on TV, and also was told my a presto customer service was that Presto will loan you the money half of the regal rate of 5 % APR, so I done my application online qualify, signed a bunch of document that I failed to read, trusted the explanation of Presto auto customers service. On XX/XX/XXXX a payment of over {$900.00} plus was made in cash On XX/XX/XXXX a payment of over {$900.00} plus was made in cash On XX/XX/XXXX a payment of {$2000.00} was made with my debit card On XX/XX/XXXX My XXXX XXXX was missing, when called the police department, I was told that my vehicle was repossessed by Presto auto loans, called presto auto loans consumer service and was told that, the repossession of my vehicle was a mistake, that my vehicle will be back at my house in 24 hours, I missed worked for two days, got my vehicle 48 hours later, with a front end damage, a formal complaint was submitted to presto auto loan, and never received an answers. On XX/XX/XXXX my wife had file for divorce, a request for a payment history and remaining balance of the account. It was requested by me and my wife so that the account will paid in full, but presto auto never provided the information I was told such information can not be giving to me, but instead to make my XX/XX/XXXX payment, so I told the customer service that they will be no more payment unless I received a payment history showing the principal, and how the payment have been apply into the loan, Once again the information was never received. On XX/XX/XXXX XXXX XXXX XXXX file a law suit case number number XXXX, claiming that the account have been in default, and requesting my XXXX XXXX charger. On XX/XX/XXXX after a hearing, I requested that the judge order presto auto loan to provide me with a payment history on account, Presto auto lawyer provided me a ledger card showing a Balance of {$13000.00}, not showing the two payment in cash, what catch my attention is the {$1100.00} interest charge on the for the month of XXXX. the ledger card does not show the APR, does not show how the XXXX Presto auto loan calculated those interest. ( please see attachment ) I when online to see if others people have victim of Presto Auto loan Scam, I find out that they just recently have been fine $ XXXX by Financial Protection Bureau, and when I brought it to presto auto auto loan lawyer attention, he respondent that those was just hearing. I need help for not only to keep my vehicle but also to bring justice to everyone that have been victim of presto auto loan, because it sound to me that they did not learn from the fine and keep doing those malpractice A class action Law suit may be more suitable to bring justice to everyone, and suspend Presto auto loan license for future damage. Thanks XXXX XXXX XXXX
On XX/XX/2018, my wife contacted XXXX XXXX to get a preapproval for a home loan for us. She was told that in order to get that done, they will have to pull her credit. She is well aware that I dont want my credit pulled again. She gave her information and they pulled her credit and they pulled mine. She did not give the consent to pull mine. They even got my name wrong on the credit pull. They just use my first name with her last name assuming that we have the same last name. We tried to get it the pull removed but they say my wife should already know that pulling her credit means pulling mine too. They reviewed the conversation and true, they cant find the consent from my wife. They must have used the number from the old file to make the pull. Weve been in contact with the executive office and when she told us that, we requested that she put it in writing but she refused to do so.
I have a auto pay set up for my credit card every month for military star for three years never missed XXXX payment and as XXXX this year even with a auto pay set up, miltary star did n't take out the balance while making me late for two months. I tried to explained to them I was out of town for XXXX funerals and I did n't know my payment has went up and they only took XXXX instead of XXXX for XXXX and XXXX making me late. I have never been late for over four years. I tried talking to miltary star reps they said you should had paid and I said this is a mistake I paid for four years and have auto pay. They said that 's my fault and you should pay your bills. This is so out of bounds, i told her I was revive refinancing my home and she said this is not gon na help XXXX Never tried to help. I said I have many problems in this world from combat but this got to be the worse day in my life for miltary star to do this. The supervisor talked so mean and never tried to help in this matter. It 's more about jacking people credit than helping seeing this is a mistake. The first XXXX says a was n't late and then I kept asking her about the late payments and she did n't know her owned system. Miltary star has people who do n't know what they are doing and they jack people credit up and do n't care. When you purchase you have 30 days before you have to pay on the purchase you made they do n't. If you make a purchase before your purchase this will be added to your payment before 39 days
When the Public Service Loan Forgiveness program was rolled out, I was working at the XXXXXXXX XXXX XXXX XXXX XXXX XXXX. In approximately XXXX of 2007 I contacted XXXX XXXX to determine what I needed to do to take advantage of this program. I was told there was to continue to make my regular payments and then I could apply for loan forgiveness after ten years in public service. Thereafter a large part of my consideration for remaining in public service rather than leaving for a private law firm was that approximately {$60000.00} of my student loans would be forgiven after ten years. I contacted Navient last year and I am now told that I am not eligible for the PSLF because Navient is servicing my loans. I 'm told I must now consolidate my loans with another company at a much higher interest rate and start my 10 years of service over to be eligible. I have dedicated my life career to public service and I am now being told my time in public service thus far does not count because I was provided false information and my loans got transferred without my consent. If the PSLF is in place to assist and/or reward those of us who have dedicated our careers to public service, we should not be penalized despite our service because of the negligence of these loan servicing companies.
The Law Firm of Hunt & Henriques have continue to harass me about a Debt that I do n't owe. They claim it was a judgement againt me since noted has been more that 10years old. I have notified them to cease and desist but they continue and it is causing me undue stress. I am in the process of hiring an attorney to exercise my rights undr the FDCA with fines for this unscrupolous harassment. I need this law Firm -Debt collection investigated and fined because they are violating the law. I never had any contractual agreement with this law firm. I am on XXXX and what this firm is doing is an attempt to take advantage of people like me.
I became ill in 2009. I was XXXX. I was charged fees of over {$600.00} by Bank of America for a roughly {$100.00} overdraft. They say they had a contract with me. It is my contention that I could not honor the contract not could they engage in a contract with me because I was XXXX. I have since become XXXX and am diagnosed with XXXX.
Roundpoint Mortgage will not remove PMI even though my LTV is below 78 %
I am a victim of identity theft. The following debt collection accounts : XXXX XXXX XXXX XXXX, {$960.00}, and XXXX XXXX XXXX, XXXX, {$12.00}, XXXX are fraudulent, unauthorized and dont belong to me. I have been receiving harassing phone calls daily at XXXX XXXX  from representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, using abusive and profane language against me, making death threats, threats of taking legal action against me, and threats of me going to jail and prison. I informed representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, that the debt and account is fraudulent, unauthorized and not my debt. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law.
I have recently found information that XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX as individuals and Representative ( s ) or Agent ( s ) of XXXX XXXX XXXX have submitting false evidence under the penalty of perjury into the Circuit Court of XXXX XXXX County. XXXX XXXX XXXX has foreclosed on the subject property in XX/XX/XXXX using the name of the original XXXX and a license number that expired in XX/XX/XXXX.XXXX XXXX XXXX of XXXX under the penalty of perjury affirmed that the purchase of the subject property was fairly sold and bought at a fair price. The subject property was purchased by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and auctioned by Auctioneer XXXX XXXX XXXX for XXXX. I have reason to believe the bidding and auction of the subject property were rigged by XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX. Sworn Affidavits filed in case number XXXX to also include the Assignment of Deed of Trust, the Deed of Appointment of Substitute Trustee and the Writ of Possession and Eviction filed by the Defendant XXXX XXXX XXXX of XXXX are in fact willful and deceptive violations of 15 U.S.C. 1692e ( 13 ), 15 U.S.C. 1692f ( 6 ), 15 U.S.C. 1692e ( 4 ) and 18 U.S.C. 1621. There are many irregularities in the assignment of DEED OF TRUST and the process in which such DEED OF TRUST was allegedly transferred, conveyed, assigned, sold, recorded, etc. As asserted, these defects left the foreclosing entities without authenticating documentation to the property and without the authority to foreclose.
We are in the process of completing a mortgage closing and approval when a problem arose. we applying for a XXXX XXXX loan which require-sour credit history with our past HSBC mortgage company. We Completed short sale in XXXX 2015 with all the approval and requirements set forth by HSBC.We have pleaded, asked as politely as possible and begged for HSBC to report the trade line and show the short sale as required to get loan approval by XXXX XXXX I believe. 
We tried for close to a year or more submitted paper work to HSBC to hardship department. We where seeking a fixed and lower rates to stop the continued elevation of the already too high 9 % as compared to rates at the time. HSBC dragged their feet and never provided an acceptable solution. 
WE NOW HAVE AN OPPORTUNITY TO RESOLVE OUR ISSUES AND HSBC PROVIDES NO HELP. 
HSBC is the worst company I have ever worked with .HSBC s not customer friendly. HSBC does not believe in the american dream of owning a home
I originally applied for mortgage remediation in XXXX XXXX. My request was denied in XXXX XXXX. I applied for mortgage remediation again in XXXX XXXX. I started making trial mortgage refinance payments on XXXX XXXX, XXXX. My mortgage was refinanced in XXXX XXXX, and I returned the final signed documents on XXXX XXXX, XXXX. 

Despite all of my payments to the mortgage company, Citizens One reported my account as 150 days late as of XXXX XXXX, XXXX, and then 120 days late as of XXXX XXXX, XXXX. Both reports are false. When I called to complain about both items ( which are now on my credit report ), I was told that my account was now current, but that Citizens One would NOT be removing either negative item from my credit report. I have attached four files to demonstrate all of these assertions.
I have been named successor to my mothers late husbands estate. I also hold durable power of attorney for my mother. I have attempted to communicate with OCWEN on numerous occasions, to no avail. I am curious to know why, XXXX XXXX, who was a whistleblower VS. XXXX XXXX XXXX XXXX XXXX His name was FORGED, on a document that is associated with my mothers paperwork. XXXX XXXX name was authenticated by his attorney XXXX XXXX, thru a sworn affidavit. 
I also am curious to know why my mother was approved for a principal reduction of XXXX XXXX dollars, with a 2 % interest rate, in a letter from OCWEN, on their site, that was never sent to us? Is it maybe due to the cease and desist in Massachusetts? 
I would appreciate an answer from Ocwen, since they seem to believe they do not owe me one.