WillisBack/dataset-financial-user-claim huggingface dataset:
I went into XXXX XXXX XXXX XXXX ( actual location listed below ) on XX/XX/XXXXto purchase a vehicle. At the time of negotiations, the dealership was informed I already had my credit ran by my bank XXXX on XX/XX/XXXX and had pre-approval for the amount I was looking to finance so there was no need to run my credit again. During the negotiations, the dealership advised they had a partnership with my bank and asked for permission to confirm credit approval with bank which I allowed but advised they did NOT have permission to shop my credit around to seek a better deal. All parties agreed and we completed the deal. Later I started getting letters from multiple banks/finance companies advising they checked my credit for this deal and I see on my credit report multiple credit inquiries have been added. This is definitely not what we agreed on during the deal and I'm disputing these inquiries. I went back up to the dealership which advised me that all I would need to do is dispute these inquiries with the credit agencies and they would not fight that complaint.

My original approval was given by XXXX on XX/XX/XXXX but the dealership was only allowed to partner with XXXX  since I already had pre-approval with XXXX  as of XX/XX/XXXXand they were informed.

Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX
My loans are part of the Income-Driven Repayment plan. I received confirmation that my renewal for this plan was approved on XX/XX/XXXX. I could not get information of what the required payment actually would be until XX/XX/XXXX. There is no reason that information could not be made available sooner to help plan for increased payments. My monthly payment increases by {$230.00} and is due XX/XX/XXXX. That is a 50  % increase to adjust for within one payment cycle. It is very difficult to replan finances in that high amount within 4 weeks and is very frustrating knowing that information could have been made available when Navient knew it months prior but withheld.
XXXX, Equifax, and XXXX refuses to accept my Identity Theft report from the police. They are refusing to place a 7 year freeze and a 7 year fraud alert on my credit file. I have made numerous attempts to resolve this, was charged {$5.00} and was assured by XXXX and XXXX ( reference number XXXX ) that XXXX would refund this money once they received a copy of the Identity theft Police Report. Military ID with social security number is attached. Please let me know if I must get a Senator or President Trump to assist.
I am getting harassed multiple times a day by calls coming from ( XXXX ) XXXX and XXXX. They threaten that they have complaints against me, orders against me and will be serving me. They have no intention of serving me so that alone is a violation of the FDCPA. Let 's continue. They threaten if I do not respond an order will be placed against my parents. They threaten they will contact my HR department to aid in serving me. 

I called back they have my SSN and other info and say it 's for a payday loan from XXXX. 
1 ) Pay day loans are not legal in NJ 2 )XX/XX/XXXX is past the statute of limitations on debt in NJ 6 years. This alone proves they are in violation of the FDCPA by threatening to serve me with no intention of doing so as they ca n't for a debt past the statute of limitations. 
3 ) I had a XXXX bankruptcy discharged XXXX so even if the debt was valid which it 's not it is illegal for them to attempt to collect as it was discharged. 

They are misrepresenting and violating the FDCPA and I would like them to stop.
Approximatel y two mont hs ago, I signed up with Equifax for their credit monitoring service. The service requires a monthly subscription of {$16.00}. The product allows for me to update my report on a daily basis at no extra charge. Once I purchased the product I have been unable to successfully pull up my credit report at my convenience. In total, I have only been able to pull up my report twice, and every other time I try, I get an error message. I have called Equifax several times and continue to get several different answers, but none have been able to solve my issue. I have sent over my ID/proof of address on  SEVERAL occ asions and yet Equifax continues to lose it, even though it is being sent via their online platform. I am sick and tired of paying for something that I am unable to use- and I NEED MY CREDIT REPORT IMMEDIATELY
Wells Fargo claims that I missed a payment on my mortgage. I have never missed a monthly payment on my mortgage, and have the documentation to prove that going back over a year. However, they continue to claim that I am behind and charge me a late fee every month. I contacted them back in XXXX and they said they would look into it, however I have never heard back from them. 

I discovered they were charging me late fees for over a year in XXXX of 2018. I immediately called Wells Fargo to figure out what was gong on. While on the phone with Wells Fargo, I went online to review my payment history. For some reason I was only able to view the previous 3 months of account activity. The very next day I went online to review my account again and was able to see ALL of the account activity going back for over a year. So for some reason they blocked my ability to review my extended account activity. I believe they were altering my payment history to avoid being caught in their scam. 

I made a mortgage payment on XX/XX/2018 in the amount of {$2600.00} I was charged a late fee on XX/XX/18 in the amount of $ {$95.00} My most recent monthly payment was made on XX/XX/2018 in the amount of {$2600.00} This has been going on for over a year. 

Wells Fargo currently says I owe : Unpaid fees / late charges {$1500.00} Total amount due to make loan current {$4200.00} Like I said, I have never missed a payment and believe they have altered my account history on both my personal checking as well as the mortgage account in order to cover up their current scam. 

In addition, I know they encourage unethical and illegal practices first hand. A year ago I noticed a new account had been opened up under my name, and was consistently being charged overdraft fees. I did not open up this account. I called Wells Fargo and asked them about it. They gave me vague answers, and removed the overdraft fees. I told them to close the checking account since I never authorized it in the first place, and several weeks later the account disappeared. However, the impact on my credit score had already taken place. 

Wells Fargo has once again altered accounts and personal finance records in order to save face due to one of their unethical and illegal banking practices.
XXXX XXXX calls me every 3 minutes from different numbers. They also call my family that is not on the account with me. The earliest starts at XXXX to XXXX at night. I lost my job and try to work things out but it does n't stop the calls please help
Santander accepted a settlement after an auto accident. They also agreed to return an over payment of XXXX. Since then they have reneged on their agreement, and have started harassing my wife and me. They are claiming we owe them money, and they have placed negative reports on our credit. We have sent them several letters, including XXXX from our attorney, and they continue to ignore us.
TRANSUNION IS CONTINUOUSLY ALLOWING DEBT PURCHASING COMPANIES TO PLACE DEBT ON MY REPORT WITH NO PROOF OR SIGNATURES OR VERIFICATION. i HAVE BEEN FIGHTING FOR THE PAST FIVE YEARS AND XXXX CLASS ACTION SUITS AGAINST THEM AND XXXX. I HAVE BEEN UNABLE TO PURCHASE HOME BEING KEPT IN BONDAGE OF RENTING AND HIGH INTEREST RATES FOR CREDIT!! I WANT THOSE OLD XXXX CARD AND XXXX DEBTS REMOVED. THE IRS IS ALSO CHARGING ME IM FIGHTING THE SAME ALLEGATION AND IT WAS CHARGED OFF AS WAGES FOR XXXX. I NEVER EVER HAD XXXX DOLLARS WORTH OF DEBT BEFORE THIS ALLEGATION ASIDE OF MY CAR. I ONLY WANT TO ACHIEVE THE AMERICAN DREAM BEFORE I DIE AS A RENTER!!!
With my MasterCard Gold Card under Barclays Bank, I am having issue with them not giving me my SCRA benefits under PA State law Title 51. Under Federal Law I do not qualify since my active duty start date is before I open the account. But under Title 51 of PA state Law, It requires that all banks who do operate in PA follow not only federal law but state as well. I know I have these benefits  because XXXX XXXX gives me these benefits because of my residence to PA and not my XXXX XXXX start date. I opened the account in XX/XX/XXXX time frame and sent the Law to Barclays where the continued to deny my benefits back in XX/XX/XXXX.
i XXXX XXXX XXXX to both chase and XXXX XXXX XXXX and fbi XXXX file called XXXX XXXX in XXXX kentucky and local police months on line been scammed i beleve from ex employee for {$80000.00} im getting no were im on SS cant pay and credit report cant borrow on house of bad credit report XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, ky XXXX XXXX ... XXXX XXXX XXXX XXXX # XXXX chase card # XXXX.
On Friday XX/XX/XXXX I had called XXXX requested a credit limit increase and what are the factors looked on when giving a credit limit increased. Instead of receiving a increase the agent on the line decrease my credit limit, she tried to fix it but she couldnt so she transferred me to her supervisor who advised me that I would hear from a credit speacailist on Monday XX/XX/XXXX or Tuesday XX/XX/XXXXof the following week. I had waited until Thursday XX/XX/XXXX and I havent received a call from the credit specialist nor anyone from XXXX, so I called to find out whats going on I was told by another agent that there was no case for my issue and she put me on hold where the called got disconnected. I re-called XXXX once more and ask to speak to a supervisor who advise me that he will start a new case for my account which I was now frustrated because all the misleading Information that I have been receiving I ask for my account to be closed. Now I have checked my credit report and its sating that I have requested a decrease on my account, account is closed and a negative remark from XXXX. I called XXXX today XX/XX/XXXX and the agent is letting me know the reason for my account being report like that to the credit bureaus is because I requested that way. Which just display poor customer service customers who uses there service.
I have never heard of nor had any contact with Premium Asset Services,  LLC . Someon e, n one  behalf of this company left court papers at my place of employment with the receptionist ( who is not a permanent employee ) who then informed her supervisor, who then informed my supervisor, who then informed me. This 'company/business ' has filed paperwork with the courts for a judgement of over {$2000.00} and never once notified me of ANY 'debt ' that I supposedly owe to them. I have never heard of a debt collector not informing you of a 'debt ' before filing paperwork with the courts.     Premium Asset Services, LLC  XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX   XXXX   XXXX   XXXX
Paid accounts, refinanced student loans shows as " closed accounts '' As I know closed accounts may negatively affect my credit health, so I am fighting to defend my reputation, I want XXXX XXXX, Experian to DELETE all the paid and refinanced accounts to keep my reputation clean because I am serious about taking care of my credit.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX  2. XXXX XXXX

3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8. XXXX  9. XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX
On XX/XX/XXXX I initiated a transfer into my Coinbase account. I requested the transfer go to my USD Wallet but instead the funds seem to be held up in my XXXX wallet. The transaction shows as " pending '' with Notes reading " Failed to instantly exchange XXXX ''. What does this mean? I have contacted Coinbase numerous of times. Their response was Our payments team and advocacy team are investigating. Weve marked this email thread as a top-priority case, and well provide info to you as it becomes available. Coinbase seemed to be focusing a lot more on expanding their operations instead of properly serving their existing customers.
I have received numerous calls within a XXXX week period attempting to collect a debt I have been making payments on based on my available finances. 
PMAB called on the following dates and times:XX/XX/XXXX/2015 at XXXX XXXXXX/XX/XXXX2015 at XXXX XXXXXX/XX/XXXX/2015 at XXXX XXXXXX/XX/XXXX/2015 at XXXX XXXXXX/XX/XXXX/2015 at XXXX XXXXI advised XXXX when I called on XXXX/XXXX/2015 to cease and desist all communications as this was bordering on harassment and I was told they would not stop communications unless I submitted it in writing. I faxed them a cease and desist letter and then mailed it to them. I have a copy of the letter.
2017 I filed for Bankruptcy chapter XXXX not including my house or car. I continued to make monthly car payments. The bank was aware of the bankruptcy and advised me to make sure the affidavit were filled out and faxed to the bankruptcy department and they will continue to report it to the credit bureau. A year later and they refuse to report my car loan. I was told that's there policy. The car was not included, I'm making monthly payments that are not getting reported or I can turn it in back to the bank.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Macy department sto re has allowed other people beside me to make purchases in  XXXX  dollars after I informed them many times that I have been victim of identity theft. I have talked to frauds, frauds analytic, and many fraud department managers and so far they just promise that they are investigating.. I have a documentation of all the above the names of macys employee and a copy of my statements. I have also informed them the history of the theft, the police report, the detective name and her number and the prosecutors office in  XXXX   County  and the name of the prosecutor with the case number and months have passed and they are still sending bills and nothing has been done with the investigation and we have been receiving letters in the mail every month requesting that I pay and I believe they sent my name to collecting agency and I have been verbally abused due to their negligence.
I have received several 'robo calls ' from USCB in regards to a debt that they purchased from the XXXX XXXX Medical Foundation . 

When they call it does not connect to a live person but instead plays an automated message from someone identifying themselves as XXXX XXXX. The message is as follows. 

This message is for [ Last name ] [ First name ]. If we have reached a wrong number please call XXXX. If you are not [ Last name ] [ First name ], hang up now. If you are [ Last name ] [ First name ] continue to listen to this message, but not in the presence of others as it contains personal and private information this is XXXX XXXX from XXXX XXXX. This is made in attempt to collect a debt... 


I have received this call four times within the month. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
I have been late making my regular payments for a personal loan to OneMain Financial in XXXX, SD. Had contact with them, I told them how much I could pay for now and they continued to call up to XXXX or more times per day. I was late by about XXXX days on regular payments. I did make a smaller payment of {$25.00} which they cashed but they said it was not enough. I stopped answering and called them, left a message that they were not to call my office anymore. A OneMain employee called my office on XXXX/XXXX/15 and my boss answered the phone. He told my boss that OneMain would be garnishing my wages and he would be mailing the paperwork to our office. I have not received a court order or judgments against me. As far as I understand the law, there needs to be a judgment before wage garnishment. This was very embarrassing to me and as far as I know, employers are not a qualified third party and this violated my rights. If I had been served a court order at least I would have been aware that wage garnishment was a possibility. I filed bankruptcy the next day, I had planned on it eventually, but this did cause me a lot of anxiety and also made my coworkers aware of my situation, which was unnecessary. I will talk to my lawyer about a lawsuit against this company.
Debt was the result of fraudulent charges that were charged to my XXXX account as part of a prepaid rental. The rental was prepaid with priceline.conm to include insurance at a cost of {$200.00} for 3 days. At the end of the rental an additional {$230.00} was charged to my card in addition to the original {$200.00}. When I inquired about the duplicative charges I was told that is was for additional insurance policies that I never asked for and some were actually duplicative. The prepaid amount included {$9.00} per day of damage and collision but XXXX included the same insurance at {$27.00} a day without my consent. XXXX and XXXX both agreed that the charges should have never been posted to my account and XXXX voided the charges. I am now receiving a collections notice that these fraudulent charges are being put on my credit report. I never received a certified letter from the collections agent just a regually mailed letter as well.
Received a call from this number. Called it back and was told they were calling from Alternative Dispute Resolution or ADR and was asked to verify the last XXXX digits of my social, which I DID N'T and then was told " Do n't worry because we 'll be sending a sheriff out to your house. '' at which point I laughed in his ear and told him that he really would n't and then hung up the phone. They called from XXXX.
Since my bankruptcy discharge, XXXX XXXX, 2016. I have disputed incorrect information on my credit reports through all XXXX major credit bureaus multiple times online over the past 3 months. This is becoming very frustrating and although all XXXX CB 's with each complaint, did slightly alter some information such as " chapter XXXX '' when I filed chapter XXXX, the post bankruptcy reporting is not per the Fair Credit Reporting act. All XXXX of the accounts still showing as negative, charged off, are keeping my scores in low XXXX. As well at my debt to income isnt accurate. Please assist me in this step of my attempted credit repair?
I got a personal loan out from XXXX XXXX ( now Navient ) around 2006, for XXXX. After receiving my XXXX, I decided I did n't need the other XXXX, so I called them to cancel the other XXXX. I never got anymore checks from them after that. But I am still being charged my full loan for XXXX. After calling them to dispute the XXXX, they said that they sent the money to the school directly, but that is not true, because it was a personal loan, so why would they send it to the school? I have check stubs from the XXXX I received. Proof that i never received the full XXXX. 
Thank you.
PNC Bank XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX is not reporting the closure of my paid off overdraft on XXXX. I would like this investigated and closed as it was paid off.
RECEIVABLES PERFORMANCE Address :  XXXX   XXXX   XXXX   XXXX   XXXX , WA has put a collection on my credit report. They call me from  XXXX  several times a day, but when I answer they do n't say anything or keep on transferring me to different agents without answering any questions. They ask to confirm my name and address stating that its being recorded. I was not comfortable giving it out and when i asked them what it was about  one  of the agents told me the las t 4  of my SS and my address. EVEN THOUGH I did n't confirm my name and address. It must me in their recording the lady said " this is your social security and this is the address so why are n't you confirming that you are such and such person. I am really baffled by their approach and interaction with our highly sensitive and personal information. They say I owe them {$140.00} from a  XXXX   XXXX  account which was opened on  XXXX   XXXX    XXXX  , which I do n't have any knowledge of. I did n't open a  XXXX   XXXX  account and do not know where they got my information from.
i tried to dispute errors found on my report from XXXX who had bought my loan from XXXX in XXXX but they list it as opened with them in XXXX the same time i opened XXXX with XXXX they listed it as another type of loan on top of my regular mortgage and also try to put a fraud alert on my report as i learned XXXX checked my credit today and ive never dealt with them. i cant contact equfax as they clam my info tells them ive had several loans and credit cards over the years and know never had a credit card ever.. 
i have a police report where someone stole my ssn and tried filing state tax forms under mjy namne for states ive never been
This is now the 2nd time dealing with XXXX Store Card and the same payment allocation issues. 

The XXXX Store Card has promotional financing which offers 0 % interest for 6 months if paid in full within 6 months on purchases over XXXX . I made several purchases less that {$150.00} which are non promotional and subject to interest. On the XXXX Store card payment site, a user can select to have payments allocated to NON-promotional balances first ( option 3 below ). This was also not during a billing period in which a deferred interest promotion expires, so the note in option 3 did not apply. I choose this setting in order to pay off NON-promotional balances first so I will not be charged interest. After reviewing my account, I see that XXXX has allocated my payment to promotional balances and left the NON-promotional balances still applied. This is FRAUD! If I was not vigilant with my account, I would have been charged interest. This is now the 2nd time this has happened and I have had to deal with customer service for hours to try and have my payment allocated correctly. 

1. Standard Allocation : Payment received in excess of minimum payment amount due will be applied to non-promotional balances before deferred interest promotional balances except in the last two months of a deferred interest promotion. In the last two months of a deferred interest promotion, the payment amount in excess of the minimum payment due will be applied to the deferred interest promotion ( s ) that are in the month of expiration and/or the month prior to expiration.

2. Allocate Payment to Deferred Interest Promotional Balances First : Any payment you make ( including the required minimum payment due and any additional amounts ) will be applied to the deferred interest promotional balance before the non-promotional balance.

3. Allocate Payment to Non-Promotional Balances First : Any payment you make ( including the required minimum payment due and any additional amounts XXXX will be applied to the non-promotional balance before the deferred interest promotional balance. Please note, even with this setting, during a billing period in which a deferred interest promotion expires, if your payment is enough to pay off the expiring promotion, your payment will be applied to the expiring promotion first before the non-promotional and other balances on your account.