WillisBack/dataset-financial-user-claim huggingface dataset:
I began being contacted by Payday America on XXXX XXXX. I received both a text message and a I believe a restricted number call followed by a caller Id call from XXXX. I was left a message that stated that Payday America was attempting to contact me regarding a  payment that was due on my account. After I received the message I immediately contacted the company and let them know that they were contacting the wrong person. That I have no loan or pawn item with Payday America. I insisted that they no longer contact me regarding a debt that is not mine and told them to remove my number from their database. The woman on the other end of the line was rude. I told them do not text me or call me again. I then received a call and a text message on May 5th. I again contacted Payday America and asked them to remove my number. The  woman on the other line attempted to get my name. I let her know that I do not have an account with them and I was not providing that but I provided the phone number and again requested that it not be contacted. I have since received two more text messages weekly on Fridays and get a restricted call followed by a caller ID call of XXXX calls every Friday as well and have contacted them every time they have called and asked them to remove my number. Today XXXX XXXX XXXX after receiving both a text message a restricted call and a caller ID call with the caller ID of XXXX I called Payday America again and again requested to have my number removed from whoever is using it on their account. The woman on the other end of the line said that there was no way to remove it and I should just " Block '' their number on my phone. I do not want my phone number that I have had for 4 years to be associated with someone 's account that has payday loans. I do not think that it is too much to ask to have my number removed. I should not have to block a phone number from calling me to avoid a company calling me regarding a debt that is NOT mine. I do not authorize them to call my cell phone for the purposes of collecting a debt. I do not authorize them to text message me on my phone that I pay for to collect a debt that does NOT BELONG to me. I want my number to be removed from the account in which it is associated and I want them to NEVER contact me regarding someone else 's debt again. I have tried 4 times to get them to remove my number and now I am here. Please help me to get them to stop contacting me!
In checking my credit file, as I often do, I found a hard hit from XXXX XXXX on Equifax. I have never requested any financial services from XXXX XXXX. I contacted XXXX XXXX and was advised they had no record of me requesting services from them, and had not submitted a request to Equifax for information on my credit. 
I submitted a dispute and received a notice of response from Equifax, My claim number is XXXX. I tried to review the response and can not access it. I called Customer support, which is useless, they are no help. All I could understand from the call center was the name on my file is not correct and I would need to change my name. All of my credit information is in the name of XXXX XXXX. I have an Equifax account in the name of XXXX XXXX. I put a freeze on my account praying that will stop Equifax from giving anyone any information. I want to know what the answer to my dispute is. This is crazy!
I started investing into crypto currencies with Coinbase. I've put in a couple of thousand dollars into the account and bought some cryptocurrencies. One day they decided to lock my account. That was back in XX/XX/2017. Upon sending multiple emails, they continued to ignore me until XXXX where they finally asked me to submit my ID which I had done upon opening the account. 

I resubmitted everything and could see that they have picked up the files and I continued to follow up as the reason why my account was locked was never given to me. 

To my delight I found out that they have established a call centre. I took the action to follow up through their call centre only to be abused because they couldn't tell me anything other than someone is working on it. You can imagine how upset I must have been. They basically scammed me out of my account and will not give me access or provide reasons whatsoever! 

It is now coming to the end of XXXX and I have lost all these opportunities to trade. I don't even know where my money is right now they would not even confirm my account balance. What sort of a financial institution is this? Please help me get my funds back!
There were several transactions " pending '' in my account and not yet posted, however a deposit posted, yet the bank still charged me for " pending '' items although my account was not truly overdrawn. US Bank charges by " Account Available/Pending '' vs. Account Balance. I asked, what if several transactions did not post, yet you still charged? US Bank stated that they would still charge. If I have proof of items that should not have been pending, then they would make a decision. I spoke with the following representatives : XXXX, XXXX & XXXX { Manager }. XXXX was by far the most professional, however she was not able to resolve the issue, so this matter is still unresolved. They overcharged me by {$320.00} in fees due to their " unique '' policy. This seems as if their policy would violate banking policies since items did not yet post, however the clients are still being charged. I do have a financial background and XXXX and I did discuss this in detail, however it appears as if US Bank is " FEE Happy ''.
On  XXXX / XXXX / XXXX  I contacted Transunion regarding their inquiry issue I was told I was not affected which in fact I was. Customer service refused to help and take care of negative inquiries reporting to my credit report. The inquiries in question :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
In XX/XX/XXXX BankAmericard began charging a {$59.00} annual fee. I opted out of the change in terms which meant I would pay off the balance under the prior terms. However, I was charged the {$59.00} fee in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. For some reason they did not charge me in XX/XX/XXXX, but I have never been refunded for the other 4 years of fees and related interest charged on those fees. I have complained each year which is probably why it did n't get charged in XX/XX/XXXX, yet nothing has been done to correct the prior billing. I want to pay off the balance now but am not going to pay these fees totaling {$230.00} + interest. I would appreciate some assistance in resolving this issue. I have limited access online to statements etc. but have included what I can for now. Every year when I call BofA, they say they are " correcting '' it as they did 2 weeks ago when I last called, but I never hear from them again until I see the bill the next year and call again.
My identity was stolen and now I have multiple hard inquirys on my credit report that was not authorized. Its affecting my credit big time.
Second Round LP, collecting on behalf of XXXX XXXX XXXX continues to try to make attempts to collect on a debt that has already been paid for on XXXX XXXX, 2011. They call me various times a day!
I defaulted on a Payday loan and now they are threatening me with jail time and a law suit.
I have several Navy Federal Credit Union accounts that were investigate because my accounts should state paid as agreed. I never missed a payment with the creditor and my report is showing negative information.
After discovering a recent negative account added to my credit file, I contacted the Debt Recovery Solutions company located in XXXX XXXX inquiring about the account. I was informed it was a physician bill from XXXX years ago. I challenged that I would owe a physician {$630.00} as I have always had insurance and asked for proof. After XXXX weeks, I called a XXXX time stating I did not receive the requested information. The lady was very rude, overtalking me and I had to ask her to let me finish my sentences. I informed her that I would be researching the validity of the account and asked what the discount would be for me to pay it, if it is found valid. I was informed that {$530.00} would be accepted. After contacting XXXX XXXX XXXX XXXX XXXX XXXX ( my insurance provider for the last XXXX years ), they stated the physician, XXXX XXXX, never filed a claim for rendered services. The fact that their office did not file a claim to my insurance company, within XXXX months of service as allowed, can not leave me liable for the fees charged. Furthermore, I never received a notice of collection prior to this appearing on my credit report.
Lendmark Financial in XXXX XXXX, North Carolina. I currently have a loan out with them. I started getting phone calls on the first due date of the loan. I am only 30 days late and i get daily calls from them. They have also called my 3 references and left them daily voicemails. 
Harassing me about payments. Today they threatened to take action against me. Im going to pay them. Im just getting caught up after having to pay for daily summer care for my XXXX boys who have XXXX. I will never get a loan from this company ever again. And I recommend everyone to avoid this company for a loan.
XXXX XXXX PURCHASE INTEREST FREE for 12 months XX/XX/XXXX, Mattress OWE, {$1000.00}, Experian {$2000.00}. XXXX, Bedroom Set .OWE {$2500.00}, Experian {$5100.00} XXXX Dining Room Set Owe, {$1300.00}, Experian {$2600.00} Total I owe is {$5000.00} Experian shows {$9700.00} The high balance on Credit Report is preventing me from getting home equity loan to pay the XXXX   loan off before interest in accrued. The correct amount needs to be reported correctly by XXXX to all three Credit Reporting Agencies. XXXX, XXXX  and Experian. The Correct Amount owed : {$5000.00} Not owed {$9700.00}
Home Depot offers 0 % interprets rate payments for 24 months for new credit card members who make purchase of more than {$1900.00} in the store. The sale person who helped me opened home depot credit card as well as assisted me with purchase transaction said I was qualified for the promotion and he said it was a great deal. 

I applied for the home depot credit card on that same day which is XXXX XXXX, XXXX and made a XXXX purchase transaction at the store for about {$4000.00}. 

Today, XXXX XXXX, XXXX, I checked my home depot account online and discovered that the 0 % interest promotion under my account is actually 6 months ; not 24 months. I chatted with a representative online who told me that the promotion has ended in XXXX XXXX, XXXX when a 24 months promotion will actually ends next month ( XXXX XXXX ). He also stated that the interested has been charged to my account since XXXX XXXX, XXXX. 

I have only made XXXX purchase transaction on my home depot credit card and this is already my second dispute with Home Depot 's sales tactics with its credit card promotions and offers. Home depot 's practice have been, somewhat, misleading to consumers. I think regulators should seriously look into this issue. The number of complaints of home depot credit card practice to regulators - and that is probably why regulators are not taking a look at home depot 's practice - may be low, but the issue or problem here is legitimate and poses immediate risk to consumers. Home depot should also take my case as a learning experience for them because the way currently home depot does business, specifically in its credit card offering, will hurt their business in a long run. 

Note : my previous compliant to home depot in this transaction also related to their sale 's tactics and it 's new credit car offer program. Home depot said they guarantee their lowest price against other competitors, but they failed to honor their price when best buy actually offers lower price because i have already got some discount on the washer and dryer that I purchased from home depot. As a result, I bought washer and dryer at a higher price when comparing to best buy. I should have gone to best buy instead.
I was in for a modification and was denied due to failing the appraisal. I submitted a complaint to Hamp escalations and was told that i could not be modified as I was already under 31 % of my debt to housing income. I want US bank to rewrite my existing loan so that i can maintain home ownership.
I sent XXXX dollars to my wife in XXXX via XXXX XXXX. The store that made the transaction for XXXX XXXX is " XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX. the money transfer was made XXXX XXXX th XXXX. To this day the money is " missing '' and XXXX XXXX  representatives dont answer phone calls. Please help me, i need this money for medicin for my wife. Thank you for your time.
How can inquiries be a matter of public record if they are not accurate Equifax refuses to investigate claiming the above Photo copy uploaded
calls me four of five times daily threatened to turn my case over to XXXX County if I do n't call them back by the end of the day. A XXXX XXXX called my children with the same threats to get them to pay to keep me from going to trial. A XXXX XXXX called me three times with 1 minutes I guess to see how many calls she can make repeatedly. They claim they are calling from Pre-Trial. Then there is another caller that do not give a name that calls three or four times with a recording that advise if you are not the person press 1, that did not stoop the calls then I pressed 0 to get the operator but no one came on the line. nothing that I press stops these calls. Nothing stops these calls from these people.
The problem started in XXXX of XXXX. Bank of America offered ( via promotional checks ) " No Payment, No Interest '' terms on my credit cards, but repeatedly charged interest during that period even though payments were made on time. 

I had to call at least XXXX different times ( spending on avg 1 hr for each call ) to get interest that was inaccurately charged to my account removed. 

The matter was escalated to XXXX different managers, each promising a quick resolution & no further errors in processing the interest on the statements, however as of XXXX XXXX XXXX, the issue remains unresolved & I have been once again charged interest, even though I am within the promotional period & have been making my payments on time.
On my credit report for my payments made for my Discover credit card in ( XXXX 2017 it is coded as ND no data ) And it is showing up on my credit report as no data. I have had the credit card that was opened up in XXXX 2017 with payments made on time from XXXX, XXXX, XXXX 2017.
They are reporting ND- No data for the month of XXXX 2017 for my discover credit card.
I took out a loan from Ally Financial i n  XXXX . First payment due on XX/XX/XXXX in amount of {$470.00}. I paid an additional {$100.00} per month towards principle, for a total payment amount of {$570.00}.    I also made Principle  payments on XX/XX/XXXX of  XXXX  ;  XX/XX/XXXX of {$5000.00} ; and  XX/XX/XXXX of {$3700.00}.   On XX/XX/XXXX  I submitted a final payment of {$1400.00}. Mailed with a letter, & amortization schedule to the listed address on the back disputing the amount they stated I owed. Then nothing till I received a statement in  XXXX  stating I still owe them {$82.00}. Which is the interest from miss-applying my monthly and one-time payments.  <P/> I called on numerous occasions to ask why my payments have not been applied properly. My first call was  XX/XX/XXXX . Ally was taking the extra $  XXXX  month and applying them toward future payments even after I asked them to be applied towards principle. Ally even applied my one-time principle payments towards future payments instead of loan principle ( with the exception of the {$1500.00 } one ) . By Ally applying my payments in this manner they have inflated the amount of interest on my account. Now, while I have been attempting to settle this account and claim the title, they are threatening me with damaging my credit report and not sending me the title of the vehicle as well as taking further legal action.  <P/> Please help me with this matter. I understand it is not that much money, but if they are doing this to all their customers that would be Millions of dollars in extra revenue. And I have been unable to make any headway with them. They wo n't even let me speak with someone in accounting about my account.  XXXX   XXXX  just wants to collect money even if it is not their 's.  <P/>   Attached below are ( 6 ) files documenting and backing up what I have stated above.
1. Is my Final payment letter.
2. Is an Amortization Sch. for the loan.      3. Is a copy of my Final Check 4. I s   XX/XX/XXXX    Statement from Ally 5. Is the latest Call recording with Ally 6. Is a record from Ally of my payment History. Documenting how they applied my payments.
I used to have a college checking with chase and a few credit cards. When i closed my college checking that i had opened with them of 5 years. I Left and came back to Chase bank and opened a Total Checking account, I was in good standing with Chase all this time. Then recently my Total Checking account was closed for no reason. I went into the Chase XXXX, TX branch and was advised by the Banker that my accounts are marked as Fraudulent and that no further accounts should be opened at anytime. He showed me the notice posted to my accounts and name within Chase Bank system. This is redicules, I should n't be marked as fraud as i have never committed fraud within chase at all.
I sold my house and paid  XXXX   XXXX  the full amount of the balance due for the mortgage and the equity line of credit in   XXXX   XXXX    . The bank reported it as repossessed or foreclosed. I sent the  XXXX  credit reporting agencies a copy of the  XXXX  from the home sale indicating that the bank was paid in full. The credit reporting agencies did not fix it. Multiple calls to the bank were unsuccessful in correcting the situation and it has been affecting my credit for  two y ears now. I am unable to get this fixed. Please help.
I received notification by XXXX my credit tracker that showed a company by the name XXXX placed a collection account on my credit report on XXXX/XXXX/2015 for the amount of {$1100.00} and the creditor XXXX. I have never received anything from XXXX owing any money and I never received anything from this collection company virtuoso stating I owed any money and allowing me to dispute the account as it is my legal right. 

As you can see from the attachment I provided XXXX. My account is still active with them and currently owe the money to the company not this collection agency. This account is not in a collection status XXXX.
Experian has returned for a 3rd time with item remains from dispute although they were provided with documentation that the item from XXXX XXXX XXXX is reporting the Original Creditor incorrectly. I was advised today by the Experian Dispute Representative via phone that they do not require the company in dispute to provide to them any type of verification to them only to certify to them that the information is accurate. I find this process of dispute absurd! Why would an already shady company remove or update something in dispute if they do not have to provide any verification? It's like Experian is working in collusion with the creditors and big business instead of in defense of the consumer.
I am in the process to applying for an apartment and was denied. As per my experian credit report I have negative items, however when I pulled the report there was no negative items of it. Due to a false report I was denied the apartment and have to appeal the decision. It 's frustrating because I just realized that someone have been applying for credit in my name, even though I have an alert on my credit report. Experian need to remove the negative items off my report, some of them are past 7 years.
In XX/XX/XXXX I attempted to change banking institutions leaving Wells Fargo and going to XXXX. In order to change I needed to pay off three credit cards I secured a personal loan from XXXX for the exact payoff amount in XX/XX/XXXX. XXXX then mailed the checks to the three receiving Credit Cards. I have a XXXX tracking number that proved that the check was received on XX/XX/XXXX. I waited a couple of weeks, the XXXX from Wells Fargo and an outside credit card, were reduced down to XXXX correctly, and I was led to believe were closed. However, the Visa from Wells Fargo did not. I called them, and they said they never received the check I let them know I have evidence that the check was received. They said they didnt know where it was, and that I needed to cancel the check and reissue a check and send it out so I did. When the Wells Fargo finally received the check, they paid the account/cashed the check on XX/XX/XXXX. However, Wells Fargo did not credit the account back to XX/XX/XXXX when the initial check was received they attempted to charge me late fees and interest for that two month time period. My XXXX personal banker said that XXXX would deal with the extra fees and interest, because they felt I should not have to pay those fees or interest either.

When XXXX got the personal loan check delivered on XX/XX/XXXX, and got the extra fees and interest voided, the account was at XXXX.

About three weeks ago, XX/XX/XXXX, I started receiving phone calls from Wells Fargo in regards to my XXXX  and Visa. They stated that I still had outstanding balances on those cards and that the accounts were never closed. I was able to speak with an able minded individual in regards to the XXXX  who voided their accumulated {$40.00} and some dollars and closed the account. The Visa has not been accommodating they stated that when the account was paid to XXXX   on the XXXX that it was in the middle of a cycle and that the interest wasnt charged yet. Over the last 10 months these accounts have been accumulating interest, delinquency, and late fees ( approximately {$400.00} and some ). I have spoken to several banking institutions and even several Wells Fargo people that I have come in contact say that it is standard procedure to have backdated the payoff amount to the initial day it was received, XX/XX/XXXX and since they didnt do that, and still refuse to do that, my credit score is badly damaged.

Ive tried escalating the issue internally but the Wells Fargo representatives keep asking me to make a payment and then they can waive fees. I was finally able to get them to assign the case to an executive internally, but this individual would not speak with me, would not return my calls, and has yet tried to make contact directly. Wells Fargo states that they have sent out letters keeping me updated, but I have since moved and did not update Wells Fargo of my contact information given that I was told the accounts were closed. I have since let them know my mailing address but still have not received anything from the executive assigned to my case.
XXXX XXXX XXXXt is reporting loans that are older that 7 years old and it is messing with my credit balances. When I dispute this information with them I do n't get anywhere. The statute of limitations in my state is being exceeded and I would like XXXXXXXX XXXX XXXX to correct this issue and update my credit report for all 3 bureaus.