WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2015 I have been receiving frequent or repeated calls from this unknown company ; the most recent number was area code XXXX. 
The first caller asked for XXXX XXXX and I mentioned to him that you have the wrong number and asked him please do n't call again. The second caller asked for XXXX XXXX and I told the female Representative that you have the wrong number and I was asked, " Do I know the this person? '' I also asked for the company not call again. Minutes later I called the same number back to explained about the first caller and wanted to know who or where I could make a formal complaint. It did not go well. Today I received a call from the number listed above and was asked to speak with XXXX and later asked " Do I know a XXXX XXXX? '' and that the conversation was being recorded. I just placed the phone on the bathroom sink and after a long pause it hung up. 
I felt that whenever I tell a caller that you have the wrong resident and the wrong phone number Why am I 'm being asked if I know this individual? The answer to it all is out right flat NO! 

It became clear to me this company intend to harass me XX/XX/2015 and I will not stand for this treatment. I need help and I am ready to suit. I expressed that I pay all my bills, getting upset will not help my current XXXX XXXX, I not hiding and I refuse to change my phone number that I owned for decade or more and that I was going to document these calls and report it to the State Attorney General, and now I want to add the XXXX. Can I please get some help about the callers asking for the wrong persons?
HOLLOWAY CREDIT XXXX CALLS REPEATEDLY ALL DAY EVERY DAY HARASSING ME ABOUT A MEDICAL DEBT IT IS NOW SHOWING ON MY CREDIT REPORT AS DEROGATORY
I recently discovered that   XXXX   XXXX   reported my account as a Charge off on my credit report when I was denied a loan by   XXXX   XXXX   due to the Charge off. I immediately contacted   XXXX   XXXX   by phone in an attempt to rectify the error. I was informed by the customer service representative that my last payment was received on   XXXX   XXXX   XXXX     and that my account was reported as a  Charge  off on   XXXX   XXXX   XXXX    . We both agreed that it did not make sense that my account would be reported as a Charge off 2 days AFTER my payment was received. At the time   XXXX   XXXX   XXXX  reported my account as a Charge off, it was paid in full with a  XXXX   XXXX . I have spent HOURS on the phone with numerous customer service representatives. The phone calls have been extremely frustrating and have not produced a positive outcome. Every representative has told me the same thing " due to the age of this account, they do not have account records and can not provide me with the information that I am requesting '', yet they refuse to remove the inaccurate information from my credit report. I was told that a Supervisors would call me back on  XXXX  separate occasions. To this day, I have not received a call back from a supervisor. I have sent numerous certified letters disputing the  Charge  off that is currently being reported on my credit report and negatively effecting my credit. I have asked for validation of my account including details explaining my why my account is being reported as a charge off with a   XXXX   balance. I have asked for them to send me a copy of my payment history along with account notes. The letters that I received in response to my letters have been a one paragraph response stating that " they only report accurate information to the credit bureaus ''.
I signed a retail installment contract on XXXX in the state of Washington, the APR is 20.49 %, the amount financed is {$17000.00} and the finance charge ( or cost of the whole credit ) is {$13000.00}. I put down a {$600.00} down payment, and traded in my car which counted for {$1400.00}. The total amount was {$32000.00} which is nearly double the amount of money financed to me. 

When I asked GM Financial, the lienholder, when my account was opened, I was advised ( via chat ) : " XXXX at XXXX, XXXX XXXX : Hello XXXX, I show that the loan was opened XX/XX/XXXX. '' I contend the installment sale contracts I signed, that was immediately assigned to the bank, that the transaction is really a loan from the bank and documenting it as an installment sale is just a sham to avoid the usury limit, which in the state of WA where the sale took place is 12 % per year. If this kind of business practice is lawful, why would n't every dealer have a buyer sign a retail installment contract in conjunction with an auto loan from a lender in order to profit from unreasonable interest rates? If the agreement between the lender and the dealer is what makes it a " retail installment contract '' as opposed to a loan which is directly between the lender and buyer, then why am I paying GM financial, and not XXXX XXXX? 

I do feel that this is usury. In the case of XXXX XXXX XXXX XXXX XXXX XXXX v. XXXX, XXXX, the buyer bought a new vehicle from a dealer with a down payment and an agreement to pay the balance over several installments. According to the conditional sales contract, the buyer would make payments directly to a bank that was financing the sale. The contract was furnished to the dealer by the bank, which had an agreement with the dealer to buy all such contracts, if acceptable. On the next business day after the transaction was executed, the contract was assigned to the bank. When the buyer eventually refused to make payments, the bank sued. The Supreme Court reversed the trial court 's entry of judgment for the bank, holding that the transaction was, in substance, a direct loan from the bank to the buyer. Noting that courts look through the form of a transaction and consider its substance in usury cases, XXXX held that this transaction was actually a cash sale, with a conditional sale used as a security device to protect the bank. Because the interest on the loan to the buyer exceeded 12 percent per annum, the contract was usurious. 

I would like everything I have paid to GM financial to be applied to the principal. I would like my balance paid off, as my gap insurance only covered 25 % of the ACV. I would like GM financial to remove themselves from my credit report and all my late payments from my credit report.
santander bank issued me a over draft acct that i neither asked for now want. they gave me an over draft bill of XXXX which i promptly paid and told the bank rep on the phone. she assured me that after i paid it they would take it off my acct. the following month XXXX was added on as another fee that they said i had to pay for this over draft acct. when i paid the XXXX dollars the rep assured me that this was all i owe and it would be paid off and taken off. i called santander banks fraud dept and got the run around and put on hold for over an hour where they disconnected me 3 times. now there is a collection rep who has called me every day for a month to pay that bill plus late charges and other fees which now total XXXX .i am at wits end because now they 've closed all of my acts and put a negative rating in my credit score which will prevent me to cosign for my daughters student loans. i want to sue them for fraud and punishment damages for putting me into an account i did n't ask for and am forced to pay for. even if i pay this santander tells me that i ca n't get rid of this over draft acct.
My son is XXXXyears old and was gifted {$600.00} via a US Bank Check from a US Bank Customer. I am not a US Bank customer nor is my son. We went to the local branch of US Bank at XXXX XXXX XXXX XXXX, XXXX XXXX California ( XXXX ) XXXX. My son arrived with the check and his United States Issued Passport as Identification. The Bank refused to cash his US Bank check stating he was a minor. They told him he had to open an account with them to get his money. I went in to speak with them stating the scenario that it is a customer issued US Bank Check and my son has a valid US issued picture ID. They would not budge. I escalated to a manager and she would not budge. We had to depart without obtaining our funds.

I called the Corporate Customer Service line and was essentially told by the representative that it is at Manager 's discretion ; but he believes the manager handled it wrong and should have cashed the check because my son had a passport. 

Both branch employees were very rude and arrogant to my son and I did not care when I stated that I would file a complaint with the CFPB.
Citifinacial reporting false information to all XXXX credit reporting agencies twice under XXXX account # 's and never gave me the opportunity to dispute the debt before it was added to my credit reports.
My father XXXX in 2009 with a mortgage debt that was in pre foreclosure. I inherited the property and have been communicating with the mortgage company since his death to rectify the mortgage and bring it current. I went through loan modification programs, I 've sent them a lump sum payment in which they returned and then they denied the modification and told me I had to assume the loan and while going through that process, they foreclosed on the property. Almost 2 years later they rescinded the foreclosure. I then put the property up for sale and because of the years that has passed the loan has nearly doubled causing me to have to sell it for less than what I owe. The bank then denied the short sale. Currently, I am re listing the property again for a higher amount but the loan is still almost double. I have asked that they forgive and/or waive the accrued interest, attorney fee, late fees and other expenses as they wrongfully foreclosed on the property. The latest payoff still reflects all of these fees including the years that they wrongfully foreclosed on the property.
I am addressing this complaint directly to you because I believe the issue needs attention from the highest authority. 
Recently, I had submitted an online application for mortgage refinancing to Amerisave Mortgage Corporation, XXXX ID # XXXX for my house located in XXXX XXXX, CA. Going through Amerisave 's online application, its system prompts XXXX to pick available rates the corporation would offer based on loan amount, property value, location and credit scores. Further, it let 's one view all associated costs and fees that come along the selected rate, and how much Amerisave offers as credit to the consumer to cover those costs ( please see attached printout from Amerisave online application ). According to the rate I qualified for and selected, all fees, including an appraisal fee of {$590.00}, was covered by the credit Amerisave offered, and even some leftover that ends up not being used. Even though I clearly pointed out this fact to the loan originator handling my application and I did n't want to pay an excessive fee upfront for a service I was not sure of, I was told and lured into making the payment on the pretext that it is customary and that all mortgage companies charge fees in spite of what its website claimed and offered. For an ordinary customer like myself it was confusing, and though I felt manipulated, I made the payment because I needed to refinance urgently and I was assured of the service. 
A few weeks through the application process, Amerisave indicates to me that it has rejected the application and would not return/refund the upfront charge it made. I tried to convince and prove to it that the grounds it based it decision on were not true and justified, but it was adamant on the money I felt I was unfairly ripped off. 
I believe that a mortgage corporation like Amerisave, or for that matter any other financial institution, has the right to provide services to whomever it chooses or deems qualified or deserving, but at the same time I strongly believe that an ordinary customer should not be taken or manipulated on hard earned resources for services not rendered. I believe that mortgage refinancing should not be like a " lottery '' where customers try their luck for exorbitant fees and there is a good chance that they would fail. 
I kindly request your authority to address this issue so that Amerisave refunds the fees it has charges for no avail. 

Thank you very much for your attention and consideration.
In a complaint submitted to the CFPB, Midwest Recovery Systems responded stating a record of deletion would be sent to all credit reporting agencies. 
MRS has not and still has not provided me anything stating this is mine, and this negative information is still being verified on both XXXX & XXXX. 
This needs to be removed from my credit report IMMEDIATELY as stated by MRS in their response to my complaint.
I have received and paid various bills from Nationstar mortgage, however, I realized that I never signed a mortgage/loan agreement with them or their subsidiaries. I requested the loan origination documentation on the loan ( NUMBERXXXX ) but they have not provided me with any because I never had a loan with them. I would like to receive all of my money back and file an official complaint.
I took out private loans through the lending institution American Education Services/National Collegiate Trust back in 2006, while I was an XXXX student at XXXX XXXX XXXX University in XXXX XXXX, CA. The initial amount of the loans was approximately {$57000.00} ( current remaining balance is approximately {$46000.00} ). The loans remained in a deferred status during the remaining part of my education as an XXXX student at XXXX and throughout my XXXX education at XXXX University in XXXX, PA. Upon graduating from XXXX school, the loans qualified for the 6 month grace period. Although I was employed within 6 months of graduation, I requested several consecutive deferment and forbearance periods due to the fact that my total salary was not sufficient to make minimum payments while supporting a family of XXXX. I have XXXX children, and at the time, I was married, and my spouse was unemployed. Upon finally entering repayment, my original minimum payments were approximately $ XXXX/month. After my spouse returned to full-time employment, this was a payment that our family could afford without being placed into a financial hardship type of situation. However, after 6 months, AES notified me that they were going to be ballooning my minimum monthly payment to over $ XXXX/month ( approximately $ XXXX/month ). I was very clear with AES that, if they took this action on my loans, this would certainly pose a financial hardship for my family, as we could not afford that amount for a minimum payment. AES persisted in taking this action anyhow, and my private loans subsequently entered default status. I continued to make the $ XXXX monthly payment even after my loans entered a default status to show that I was making a good faith effort to repay my loans. This action did nothing, however, to prevent or reverse the status of my loans going into default. I had not been in a financial position to repay the loans for quite some time post-graduation from school, and when I finally got to a point where I could repay my loans, AES only accepted 6 months worth of payments before ballooning my minimum payments. AES was not in any way concerned about impacting my credit and sending the loans into a default status. This has had an incredible impact on me and my family, personally, as now I am divorced and was allocated ALL of my student debt in the final divorce settlement ( this amount totals over {$200000.00} as it includes BOTH my private and federal student loans ), and financially, as the consequences to my credit means that I have a difficult time qualifying for purchases I may need to make in the future, such as purchasing a home or a vehicle. These loans are currently being managed by a collections agency, and the loans have been turned over several times to several different collections agencies since entering default.
I have been trying to enter an income-based repayment plan, however most of my online request forms have been ignored and 2 of them have been put on hold. One of the emails said the request was put on hold until closer to the end of my grace period, however while I 'm in my grace period interest is still accruing and I therefore want to start making payments as soon as possible. I have tried emailing them several times about the issue with no response. Thus I am being forced to make payments outside of a payment plan ( which wo n't go towards my public service loan forgiveness ) in order to prevent any additional interest build-up.
Person by the name of XXXX XXXX ( ex. XXXX ) has been reaching out to contacts on my XXXX XXXX account and informing them of my debt with XXXX Bank. She has left voicemails with relatives and non-relatives threatening to take further action if I am not reached.
Multiple harassing, threatening calls at all times per day without any written notice or claim of purported debt owed.
I purchased some Litecoin ( a cryptocurrency ) through Coinbase on XX/XX/XXXX and the transaction has been in " pending '' status to this day XXXX XX/XX/XXXX ). I've sent 4 emails over the course of the last 4 months regarding this issue with little to no response.
After 10 years of paying my Chase Freedom credit card on time, with no problems that I know of, they cancelled the card, saying that there was " Not enough credit information available '', citing " XXXX '' ( the company that was hacked last year ) as the source of their information. The other two reporting agencies show me as " On Time '' and " OK ''. My credit score is in the low 800s, etc., nor did Chase ask me for more " credit information. '' Since this was the card I used the most, especially for recurring payments, this caused me a lot of trouble to clear up. I just want to caution people about Chase. I pay my credit card off each month, so they are not making much money from me. Is this the reason for cancelling my card?
The following is a summary of actions between me and  XXXX   XXXX   XXXX   XXXX   XXXX .     After agreeing to pay the amount under condition that plaintiff and attorney for plaintiff show proof of debt, the agency in question did not yield or attempt to provide evidence supporting their claim. It is my belief that my private information was obtained illegally, therefore I contacted my local law enforcement agency to file a report for Theft of Identity under State of Californi a Penal Code ; 530.5.
Company involved : American Express I 've received an offer on my American Express XXXX XXXX XXXX card via email on XX/XX/XXXX. The offer is to add up to 4 additional users, spend {$250.00} on each of the card, and receive {$25.00} statement credits. 
I added all of the four additional users via the links on email, completed the purchase agreement on XX/XX/XXXX, XX/XX/XXXX ( on two cards ) and XX/XX/XXXX, respectively. But so far I only received one reward ( {$25.00} ) on XX/XX/XXXX ( which is indicated as " XXXX {$25.00} Statement Credit '' on the XXXX statement ). I 'm still waiting for the other three ( {$75.00} total ). 

During the process, I also received a lot of disruptions about " insufficient information '' on those 4 additional user accounts. I 've contacted Amex customer service THREE ( 3 ) times via online chat trying to provide the information. Each time the agent confirmed that information was updated successfully, but I kept receiving the same emails over and over again. ( I have screenshots of the last conversation where the agent confirmed all information was updated correctly ) So eventually those 4 additional user accounts were all closed after 60 days of open. 

Then, I contacted them again about the missing rewards ( 3 * {$25.00} = {$75.00} ),  the chat agent stated that they will start an investigation on this matter, also confirmed that I will still receive the rewards if the result is in my favor. ( I have statements proving all 4 four cards have met the spending requirement, also the screenshot of the chat agent confirming the above words. ) Amex keeps saying the investigation will take up to 8 weeks, but yet 10 weeks have passed and nothing was confirmed. I contacted them again on XX/XX/XXXX ( See how long it has been ), the only thing they do is, again, stalling, and saying they will need another 1-2 weeks. 

This is basically the process and why I 'm filing the complaint : Primary reason : Missing rewards for {$75.00} ( 3 * {$25.00} ) that was supposed to credit my account long time ago. 
Secondary reason : I keep updating the account information three times but still those accounts were closed due to insufficient information. 
If applicable, please focus on the primary reason.
I started investigating my credit report in XXXX of 2016. I requested my report from Equifax and received a report dated XXXX/XXXX/2016. On or around XXXX XXXX I sent a dispute to Equifax concerning an account I had no knowledge of. I received a notice from them on XXXX XXXX stating that they could not verify my identity and needed more information to process my dispute. So on XXXX XXXX I resent my request with the supporting information they requested and I have not received any response from them. I am filing this complaint because I have made at least XXXX requests for an investigation and have not received a response regarding the erroneous information on my credit report.
I had a loan with Cash Net three years ago. My motherinlaw paid the loan in full to Cash net. For three weeks after, Cash Net continued to debit my account for the amount of the payments. Cash Net was contacted, sent copies of the cancelled check, but still refused to quit taking money from my account. I wrote them a letter and included a copy of the cancelled check and they then sent my account to XXXX collection agency. They called me today and their agent, XXXX XXXX, told me if I did not pay them XXXX right then, I would be arrested and could be detained for up to 60 days unless a judge allowed bail. They then said that they would settle for XXXX at XXXX. I tried to explain to them that the debt had been paid, proof had been sent to them, and the agent then said he was a mediator and not a collection agency, yet he refused to listen to what I had to say. I then paid the {$700.00} due to a fear of being arrested. I have proof of payment so now Cash Net has been paid XXXX times for the same debt. I then asked to speak to the supervisor, XXXX XXXX, who said she would look in to what the agent said but that if they debt had been paid, they would not have been contacting me. What are my options now for getting my money back and for being threatened with arrest and detainment since I have since found it was illegal for them to do and illegal for Cash Net to continue to harass me after I provided proof the debt was paid in full? Cash Net needs to be out of business!!
The man I worked for in the XXXX at a XXXX. He wrote me XXXX hecks and i put them into my account and they bounced. He didnt even have the monies in his account! So my account was then closed. The second time someone stole my card and used it to make fraudulent transactions.