WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX is constantly contacting me at ( XXXX ) -XXXX-XXXX. They will not give me the name they are calling for. Then they said they needed me to verify the last four of the social so I gave them the last four of both my wife and myself. They said " No neither one of those is correct '' They will not give me the name of the original creditor. The last time they called, a few days ago, they said they would take my phone number out of the system. I said, " thats what you told me last time ''. Their response was " Oh no, we will remove your number. On XX/XX/18 at XXXX they left another message on my answering machine. If you call them back the automated system says that the extension number you put in is not valid. I give up, please help. Thanks
In 2004 we were encouraged by a loan officer we knew well at XXXX XXXX to take out a home equity line of credit. XXXX -- no appraisal, no verifications. We actually did 4 more equity lines!! Interest rates increased, values fell!! We retired & have had difficulty paying on these lines although somehow we do it each month. We have begged XXXX for help -- loan modifications ( lower interest rate, reduction in pricipal ) Something!! They acted like they wanted to help but could only offer a possible short sale -- we live off the rent incomes -- how could that possibly help? Please no response from XXXX XXXX, Office of the President -- she has been NO HELP WHATSOEVER!!! Now we receive a letter from XXXX, XXXX XXXX saying our equity line is available & open to use!! WHAT IS WRONG WITH YOU PEOPLE AT XXXX????
This has been an ongoing issue with SLS since XX/XX/XXXX. They froze my HELOC due to a credit score decline. My score declined due a fraudulent collection account with XXXX i/a/o {$30.00}. I contacted and filed a claim with CFPB at that time as I felt that there was no reason for freezing my HELOC. Only through the assistance of the CFPB was I able to get information from them pertaining to my credit score. I rectified the collection situation and the collection account was removed from my credit report. Accordingly my credit report improved back to the norm shortly therafter. I requested that they reinstate my HELOC, which they refused as I need to provide them with a credit report reflecting an improvement of my credit score, at my cost of course. At that time I refused. I recently forwarded them a recent XXXX credit report dated XX/XX/XXXX and requested that they reinstate my HELOC on XX/XX/XXXX. I received a letter dated XX/XX/XXXX which indicated that they are refusing to reinstate my HELOC until my FICO credit score is XXXX, at a minimum, time of origination. My credit score is currently the following XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX. My credit score as reflected is a very high score and warrants an extension of credit from any institution. SLS is stating that the score does not meet their requirement. How is it possible that the aforementioned scores do not warrant reinstatement? I 'm confident that they are extending credit to other consumers at scores below my score. I 'm very concerned that they are violating equal credit opportunities. Please help.
I am a victim of identity theft and my personal information was stolen and a credit card account was opened with Bank of America. I did not benefit financially or otherwise from this account and I filed a Police report with my local law enforcement agency along with also filing a report with the FTC outlining the details of this incident. I also mailed in a notarized theft affidavit affirming under penalty of perjury that the information filed is true and correct. Bank of America has still continued to report this account and is illegally attempting to collect a debt from me that i do not owe. 
This is in gross violation of good banking practices and federal law. This has caused me to be denied housing and also employment opportunities, and the bank is willing to use this as leverage to force me to repay a {$10000.00} debt that I do not owe.
I disputed an account and transunion failed to respond within a 30 day timeframe as enforced by FCRA nor did they validate the account on my credit report was accurate
I just recently got transferred for my XX/XX/2018 payment from XXXX XXXX. to XXXX-Select Portfolio Servicing, inc. for my mortgage payments-servicing. I successfully made my latest fee free XX/XX/2018 payment to XXXX XXXX. with no problems. 
Do I have a right to be treated by SPS the same-in all respects-as I was with my old mortgage servicer-XXXX XXXX.? 
For example, I was able to make my payment at anytime from the XXXX of the month thru the XXXX of the month with no servicing fee of any kind if I signed up for paperless-online payments, even one time payments at various times during the month ( they had a button online for this choice )? 
The reason I am asking is because my new servicer-SPS is stating that it will charge me {$15.00} USD to transfer my mortgage payment from my XXXX XXXX XXXX ( or a bank ) Checking Account to XXXX ; whereas with my old servicer-XXXX, it was a free transaction. 
This fee is unfair and unacceptable because I work and get paid at different times and amounts during the month and so I need-must have-the flexibility to make my mortgage loan payments at any point during that XX/XX/XXXX-XX/XX/XXXXtime period. Thanks for your assistance.
My bank confirmed that CoinBase withdrew funds from my bank account via wire transaction. The deposit has not shown up on my account and is 3 week late from the stated deposit date and 4 weeks late from transaction date. CoinBase has told me multiple times that a wire transaction may take 3-10 days to process but a month is too long and worrying. My bank also stated it was a transaction and not a transfer - Trans. Description : XXXX. My CoinBase Reference code : XXXX for the transaction. 

Date : XXXX/XXXX/XXXX @ XXXX XXXX PST Amount XXXX ETH @ {$460.00} per ETH. 
Fee {$7.00} Subtotal {$490.00} Total {$500.00}. 

I sent in 3 emails, support requests and feedback but have not received anything but automated responses for the last 2 weeks. I have also called and have not been able to resolve the problem through their customer support.
I have a home equity line of credit with PNC bank in addition to my mortgage payment with them. I have set up both my mortgage and home equity line of credit with a direct debit from my checking account to pay the balances every month. In XX/XX/XXXX PNC bank changed their internal payment process and it somehow wiped out all of the direct debit accounts for home equity lines of credit. I received a letter in the mail on XX/XX/XXXX that I had missed a payment. 

I called PNC bank on Tuesday XX/XX/XXXX at XXXX XXXX in a phone call that lasted 24 minutes. I asked how I could be late when my account is direct. They said it was an internal error and that I was not late and that I did not owe a payment at all and that the late payment letters had been sent out in error. I asked if I needed to make a payment over the phone and was told that I did not. 

On Tuesday XX/XX/XXXX at XXXX XXXX I received a threatening phone call from their collections department. She said that it was my fault that the bank had not pulled my direct debit. I then told her I could prove there was more than enough in the account. She then backpedaled and said that I would have to figure out why the payment didn't come out. I told her I had called previously on on XX/XX/XXXX and I knew it was an internal error. She then transferred me to a PNC customer service rep who was honest that ALL of the errors were in fact PNC 's fault. He then asked me to sign in online to the PNC payment portal to make a payment for XXXX. He then told me that due to PNC 's error I just needed to pay for XXXX and that they would be liable for XXXX. 

I submitted an electronic payment through the PNC website on XX/XX/XXXX. It did NOT state the amount just that the payment was for the month of XXXX which would be for {$580.00} On XX/XX/XXXX my XXXX account was debited for {$1100.00} which is TWICE the amount. I called chase on XX/XX/XXXX and had them stop payment on the check. 

On XX/XX/XXXX I get a letter in the mail saying that I have now missed a payment and need to pay it. 

On XX/XX/XXXX at XXXX XXXX  I called to see why I was again being charged for payment that they said I was not liable for. They said that even though their customer service rep was on the record as telling me that I did not owe them for the month of XXXX that I did now need to pay for the XXXX. But that they wouldn't charge me a late fee. 

I have done everything right and I have never missed a payment in the whole history of this account. It is not my fault that their internal system went down and then when I did call to make a payment they told me TWICE that I didn't need to. Now my budget is shot and I paid {$580.00} on XX/XX/XXXX. 

Please have them pull all of the tapes and records of the phone calls and have them on the record as being liable.
I had cell phone service with   XXXX   XXXX   XXXX   XXXX  . My number with   XXXX   XXXX   XXXX   was  XXXX . It shows Account No  XXXX  as the creditor account # on this collection notice from Credence and their reference no is  XXXX  I received. On  XX/XX/XXXX , I canceled my service with   XXXX   XXXX   XXXX   and transferred to  XXXX . In  XX/XX/XXXX  I received a balance notice and called   XXXX   XXXX   XXXX   and spent over an hour on the phone being transferred all over. It was my understanding that the balance would be removed, however now I have a collection agency after me trying to collect {$170.00} for service I canceled. I was a long time customer of   XXXX   XXXX   XXXX   and this is very disappointing. This is unacceptable an act by a large company trying to coerce me into paying a balance that is not due to them. Because service is usually prepaid, would n't they OWE ME a credit anyway? They did n't issue me a credit for the service I paid for that fell after my cancellation date? Something seems fishy here.
My mortgage lender HSBC Beneficial is charging me 11.29 % interest rate and refuses to work with me to lower the rate. Even though I qualify for a 3.75 % mortgage from a HUD approved lender.
Drivetime XXXX  are liars. I have talked with so many people to the point where I give up. I have told them numerous times the car can not be driven. If you guys want the car please go pick it up. You all have done nothing for me the only reason you guys paid the fee to pick the car up is because your sorry warranty team did not pick it up when it stopped in the middle  of a busy road. I  will just keep filing complaints. You all are a scam and there are countless lawsuits.
There is an outstanding balance on the card that I do not agree with. The card balance is less than 3 months old and I have received no fewer than 8 calls daily from the company in relation to this debt. They will not provide me with options other than to pay over the phone and refuse to quit calling. I wish to settle this debt with the company it is owed to not this agency. They will not provide me with that information and call incessantly from multiple numbers. It feels overkill and harassing.
I have been trying to contact this company I can not get anyone to talk to me. I need money for a payment to be able to take XXXX XXXX  & XXXX. I have paid every two weeks for 10 weeks now XXXX for a very small loan. I have been asked to make this amount of payments until XXXX. This company is ripping people off that work hard everyday.
I never received a bill for my Kohls Charge due to email delivery and spam. Kohl 's had my home mailing address as well as my phone number but did not use it to contact me until the bill was overdue more then 30 days. Upon being made aware of the bill, I immediately paid it in full. This item should not be on my credit report as it is not truly representative of the events that took place. Kohl 's has been very uncooperative and refuses to look into their poor billing practices. My credit lines history is long and have been flawless for over 25 years.
I have 6 CLOSED PAID OFF loans from South Carolina Student Loans that I filed a dispute with to remove from my credit report. The date for all 6 close is XX/XX/2013. There is a {$0.00} balance and I was told they would all be COMPLETELY REMOVED after I faxed payment information.
I bought my home in XX/XX/XXXX on my sole income. I had a 30 year mortgage. I paid for 10 years and then ended up getting a divorce. At that time my ex and myself contacted Citi to request her name removed from mortgage. We were told we have to refinance to do so. So in XX/XX/XXXX, I paid off the XXXX mortgage and refinanced in my name, for 30 years. Then taxes, insurance went up causing an escrow shortage at which time they raised my monthly payment another {$300.00}. Wel I paid as long as I could, but started to run into issues. So I contacted lender to see if there was any assistance for someone like me, who struggled through the housing crash, looking for principle reduction and refinance for a better rate. They put me into a loan modification and gave me an amount to pay, {$950.00} for the next 3 months. That was 7 months ago. I have no paperwork saying I am in a modification, and the original mortgage shows I am late every month on my payment and Citi sends letters saying I am behind in the amount of over {$7100.00} now. They email me and tell me they are waiting on title search to come back, but still never send me info on my modification. They have someone leave envelopes on my door to call. When I do, they say 'OK, thank you. Even though I have told them I did n't want to lose my house and I am in it and taking care of the property. Oh and the new loan will be for 40 years. I have researched and seen that Citi has done something similar and stared forclosure behind the owners back. I am worried, frustrated, beat down and mad that after all these years they would treat me, or anyone, this way.
My Citibank credit card includes a " benefit '' called Trip Cancellation and Interruption Protection. It advertises that " if certain unforeseen events get in the way of your trip, '' cardmembers may be reimbursed for change fees, lodging, and meal expenses related to trip cancellation and interruption. My flights were cancelled for 2 days, and 3 different " benefits advisors '' at Citi 's service said I would be covered for hotel and meals while I waited for my next flight. They said that I could not file a claim or document my issue until after I spent the money on the expenses. After I spent the money, Citi later said that I was not actually covered, because trip " cancellation '' means that you have to cease all travel, and " interruption '' means you had to begin travel and then cut your trip short. Citi would not take responsibility for 3 separate benefits advisors giving me the wrong information ( that I would be covered ). Further, the benefits documents and fine print contain no definition of " cancellation '' or " interruption. '' Rather, the text is incredibly misleading, because it says " change fees '' are covered, and that you are covered if " You ca n't travel because severe weather, a natural disaster, or a labor dispute causes all travel to or from your destination to stop for at least 24 hours. '' By advertising to customers that the card contains benefits that are not truly in place, Citi is misleading people into using their card and spending money that will not be covered.
1. Excessive fees from checking acct. 
2. Denied access to My mothers acct while attempting to withdraw money to evacuate My XXXX y.o.Mother and pets prior to hurricane XXXX..I am Her XXXX and We had almost no money between Us. 
3. Reposesed My car the day before what We agreed on and I had the money from cashing My Social Security check. They took the car that night rather than the following day as agreed.
Multiple hard credit inquiries from various institutions i.e. XXXX over past two months requesting various forms of credit lines with fraudulent information impacting my credit scores. Contacted CRA 's and placed a 90 day freeze on my reportXXXX and XXXX immediately confirmed freeze ( written ) and removed fraudulent inquiries. Conversations were had with the fraud departments at XXXX XXXX and XXXX Bank and informed that no request was made for any lines of credit. Alerts per those conversations were added via their internal processes. The paramount concern is subsequent to the freeze, another hard inquiry by a company XXXX, also fraudulent, via Equifax is showing. No confirmation has been received from Equifax as with the other XXXX CRA 's on correction to the fraudulent inquiries either. After hours trying to determine the status the only response is " freeze has been placed ''. This may be due to their internal process/turnaround time but my concern is after the freeze another hard inquiry shows?
Will  one month I pa y {$260.00}. But next month it might go down on payment. They do not have a address. But the phone is   XXXX  . At  one time I  was pay {$150.00 } one month. But then I was paying {$100.00} a month. It come out my checking acct each month. I think might be a scam? But I not sure if they are scam. the APR is 395.1. I know that is hig h. If a person credit is poor or good. Is that APR is high? To me they seem like they are a scam. But they could be for real. Is there anyway you can check this loan company out? The name of this loan company is  Onward Credit. That all  information I have. But their phone number is  XXXX . Maybe you can help me with this. I want to know are they for real or a scam. Thank you
Back in 2006 took out the first year of college loan in the amount of {$14000.00} second year took out loan for about {$15000.00}. This particular loan has been sold several times. 
I have paid for 144 ( 12 years ) back on this loan both together around $ XXXX/mo. = which equals {$34000.00} that has been paid back on loan.

Statement as of today I still owe {$13000.00} on one and XXXX on another. Called the current owner of the loan Navent requested original documentation of loan from 2006 and how payments have been applied. Waiting to get this information BEFORE I pay another dime to them. 
Refusing to pay them back ... I have already paid them.
i received a copy of my credit report and discovered that there was items on my report that were not correct and don't belong to me maybe there is a mis-print. According to records the information you are reporting on these account is inaccurate. i demand that you remove this information from my credit report immediately please. by provision of the fair credit reporting act of 1970, 15 u.s.c ss 1681 et se. i request that this items be investigate and deleted from my credit report. please send me the names and addresses of the companies that you contact so i may fallow up.Under the items of section 1681 ( i ) of the act, you have 30 days from receipt of this letter to verify this dispute information. In the event you fail to verify this dispute information. in the events you fail to verify this data, or fail to respond to this request altogether, the dispute data must be deleted in its entirety. also, pursuant to 15 U.S.C. section 1681 ( d ) of the act, please notify me when the items have been deleted. 

thank you for your time concerning this matter at hand
An original complaint was filed in regard to the negligence of Transunion to investigate errors on my credit report on XXXX XXXX, 2016. In a response to those issues in complaint # XXXX, Transunion is choosing to extend time to investigate disputes it has not investigated. Simply because the company has provided no proof it ever investigated. However, upon receiving claims dated XXXX XXXX, 2016, that XXXX accounts are deemed frivilous due to their classification as already investigated is false. See Attached. In any event, these arbitrary action will be met with equal resistance toward compliance. Thank you in advance for your prompt response.
This collection agency calls my work phone XXXX times/day asking for someone named XXXX . I do not know anyone named XXXX. I have contacted them several times asking them to remove my number from their list. 

The last time I called asking them to remove my number was XXXX/XXXX/15. They called me again at XXXX XXXX. on XXXX/XXXX/15. I asked them to remove my number again. They then called back at XXXX XXXX. I asked them to remove my number again and I was rudely told, " your number is not in our system. There is no number to remove. '' So I asked how they were able to call me if my number was not in their system. The woman stated that she did n't know. I told her the problem I was having and that I did not want to receive any more phone calls from her institution. She then repeated that, " There is no number to remove. '' and hung up on me. 

At this point I am frustrated that this company will not stop calling my work phone even though I have asked, and that they treated me as if I were the one making an error, or as if I were delinquent on a debt, or as if I had somehow otherwise offended society. So I called the number back hoping to speak to a manager. When I called back, I had the most unbelievable phone conversation of my life. I was treated as if I did not deserve to exist on this planet. 

The man that answered the phone stated that his name was XXXX XXXX and how can he help me. I asked for a manager. From there the conversation immediately escalated. XXXX stated that I could talk to him. I asked if he was a manager. He stated that I could talk to him. He would not answer whether he was a manger. I then tried to explain what my complaint was, and he cut me off asking where I was calling from because my number does not match their system ( at this point I was on an outbound call from my employer, so the main number would show to them as opposed to my direct line which is the line that they continuously call ). I was n't even able to explain what my complaint was, or the difference in phone numbers or anything else because he was yelling at me and would n't let me speak. So I stated that I would like to know the name of their organization, at which point he hung up on me. 

I do n't have any delinquent debts. I do not deserve to be treated like this. They are in error - they call the wrong person. I have asked to be removed from their list and they continue to call. Even if I were the right person and did owe a debt, no one deserves that sort of harassment or mistreatment.