WillisBack/dataset-financial-user-claim huggingface dataset:
I keep receiving an email from XXXXXXXXXXXX subject line : lawsuit regarding a one time payoff amount for {$390.00} to ACE-Ace Cash Express total amount being {$750.00}. I do not know where this comes from and it does not show up on my credit report. 

" This is in reference to your CASE FILE NUMBER *** with XXXX in order to notify you that after sending several emails and making calls to you on your phone number, we were not able to get hold of you. SO the IC3 ( Internet Crime Complaint Center ) has decided to mark this case as a flat refusal and press charges against you. 

Your account with XXXX is in Final Collections. According to our records, your outstanding balance has been increased to {$850.00} .... We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer regarding this and if you are found guilty under the bench of jury then you have to bear a law suit which will be amounting to {$4500.00} and will be totally levied upon you and that would be excluding your bail charges, your attorney charges and the due amount pending on your name {$750.00} ''
Hi, I have a complaint against an underhanded business named XXXX XXXX XXXX, which is a pay day loan company. Their address online is listed as XXXX. XXXX XXXX, XXXX XXXX SD, XXXX. 

The issue that Im having with them is that theyre preventing me from making extra payments on my pay day loan in order to bring the principle down and combat their absurdly high interest rates, charges, and fees. On XX/XX/2018, I called their listed customer service number ( XXXX ) in order to make an additional payment on my loan after they just debited XXXX from my account on that same date. I was told twice by the customer service representative during two separate phone calls that their stipulations stated that I could only make an additional payment if I notified them 3 days prior to my draft date. The representative told me that I would have to wait a whopping 11 days before I could schedule to make an additional payment. Meanwhile XXXX dollars and some odd cent in interest would accrue per day in addition to their other fees that Im currently being charged ( XXXX in interest + XXXX base fee ) I understand that pay day loans often carry super high interest rates and fees, but Ive never encountered a loan company, pay day loan, or otherwise that literally prevented a customer from making extra payments whenever they wanted to. 

What XXXX XXXX is doing is unethical and it cant be legal. XXXX XXXX is literally holding my loan hostage and preventing me from making any payments for 14 days, so their absurdly high interest rates and fees will pile up. This company should be shut down for their predatory practices on consumers. I urge anyone and everyone to avoid XXXX XXXX XXXX at all cost! No matter your emergency loan needs, XXXX XXXX XXXX is not the way to go!
American Express is trying to collect a debt from XXXX XXXX. I used to rent her a room at one time, but am not her or responsible for her debt. She put me on her card as an authorized user no financial information should have been exchanged. I never had the card and when I found out I made her remove me and had the company do that as well. At that time she was current with little owed I believe. I'm assuming she's gotten behind because the company keeps calling me and my family. I call back each time and tell them to remove my number, I'm not her and have no idea how to contact her. I still get the calls constantly. Usually from a XXXX XXXX, Senior account specialist and they leave the number XXXX. Also got one from XXXX something but the name broke up on the message so not sure last name. I've called and spoken with America Express a bunch of times. Last time was XX/XX/18 about XXXX. They say they've removed my number but I got another call today. They just won't quit!
My wife and I have received credit cards and statements from credit card companies addressed to someone else to our address. We have lived in our new home for 3 years this XXXX. No one else has lived at this address. This is a new address/new home in a new subdivision.
XXXX XXXX was employed by Castle Payday to collect a payday loan debt from me. As an aside, this loan was taken out by an identity thief. XXXX XXXX contacted me using automated voice messages for several months. They called as many as XXXX times in XXXX day. They called from numerous different phone numbers in different area codes. They also contacted my family members. Occasionally a live person contacted me, but the conversation ended when it started as they asked me to verify information about my identity.
This money was on bills I never had one was for XXXX for {$320.00} and the other was from XXXX for {$590.00}. Both were from the same address in XXXX Illinois I have never lived their and each time ive tried to contact them they send me to the same recording that is so staticky that you can only hear every other word.
in XXXX 2017 discover card reported my payment 30 late, ,i have never been late on my payment, never there must be something wrong on their end i pay electronically online
In XX/XX/2018, I received an email stating I needed to renew my " Income Driven '' repayment plan before XX/XX/2018. I went online, completed application and realized I had check a wrong box ( I could not access my spouse 's income information ) on the application. I called Great Lakes on the same day ( XX/XX/XXXX ) to ask what I needed to do. I was told to just send in my spouse 's most recent pay check stub and they would handle the rest. After that I received 2 emails, one XX/XX/XXXX stated they received my application and the other on XX/XX/XXXX stated my application was approved and that I would received repayment information 45 days before due date. 
I called XX/XX/XXXX because I hadn't received repayment information. I was told I wouldn't be receiving an email for repayment because I didn't have anything to repay. I asked, " why? '' I was told it was because I didn't have any income. I told them this information was incorrect and I sent in my spouse 's pay check stub. Agent responded, " I see, we have that information but we didn't use it for your application '', '' Would you like to have your application recalculated? '' I stated " yes ''. I ended the call but called back to file a complaint. I was basically told they could not change my application and that I had to complete a " married '' application ( basically correcting the information, '' I can not access my spouse 's income information '' ). I asked " why wasn't I contacted if there was an error '' ... '' I sent in a tax return stating I was married and my spouse 's pay check stub ''. Agent stated, " I understand that but your application says you were married but you could not access your spouse 's income ''. 
Now, I am waiting for my spouse 's approval for FSA ID. This process could take 2 to 3 days.
Account was disputed with credit card company XXXX XXXX who completed the investigation and had both accounts deleted from credit report. Trans Union continues to report account on credit report when it should have been removed as per XXXX XXXX. 

Attached is letter from Credit stating accounts should be removed.,
I 've received several emails from the c ompany, True Accord   XXXX   XXXX   XXXX   XXXX   XXXX . Beginning in late  XXXX    XXXX   and today  XXXX   XXXX ,   XXXX  . The company is giving me until  XXXX   XXXX  to pay the full amount owed which is {$740.00} or they will pursue legal action against me. I told them that financially I 'm having a hard time meeting that obligation and I requested a much later time in the year. But it 's not to their satisfaction. So the company is continuing with their threats. I am financially in a bind and I honestly do n't know when I will be able to get back on track.
I 've been trying to check my credit score but every time I try it ends up saying I have incorrect information. So I tried to check my free annual credit report and they kept saying I was n't able to check it because of incorrect information. Also some weird questions popped out saying that in the system it says I have a loan but I 've never tooken out a loan, and there was another XXXX saying I took out a credit card from somewhere in 2010. The weird thing about that is that in 2010 I was only XXXX years old.
I was charged by XXXX for classes that I did not attend, that I did not authorize and that I did not contract for. The charge was billed on my Capital One credit card.
This is per compliant ID XXXX and XXXX In Summary of the complaint : I made two payments to American express of {$3700.00}, and their records have not credited me for both of them, as their correcting entries reversed one of those payments. 

In the Month of XX/XX/2016 I made two payments to American Express for the amount of {$3700.00} and their records have not credited me for one payment. It is found that the payment of {$3700.00} was moved to an interest pay overtime account., so now Im paying interest for money I payed to American Express in addition to them stating I owe {$3700.00}. The cause is that in XX/XX/2016 I paid twice, one manual and one auto-pay both for {$3700.00}. I asked for one payment of {$3700.00}  to be refunded back to me, and it was refunded, but their processing of this refund seems to be placed in their pay over time account, so I am now paying for monies on the refund and this is an accounting error on the American Express side. This error can be clearly shown in the American Express provided XXXX which is the accounting ledger file and if you compare the numbers amounts to that of the statements we see inaccuracy. The discrepancy occurred in the Month of XXXX and I think it may be been one of these two transactions : 1 ) XX/XX/2016 per Reference : XXXX for XXXX and listed as a credit balance refund. The odd note here is that this refund is listed as a charge to the account. 2 ) XX/XX/2016 per Reference : XXXX for XXXX and listed as an ADJUSTMENT TRANSACTION PROCESSED BY AMERICAN EXPRESS EXTENDED PAYMENT OPTION.
Ocwen Loan Servicing foreclosed on our home XX/XX/XXXX ( this was ratified by the courts the following month ). Since that date we have been working toward repairing our credit, in order to once again have the opportunity to participate in home ownership. We have put ourselves in a position to be pre-approved for a VA loan, but have been denied, because we are still the owner of record for the home they currently own ( XXXX ). We reached out ( by letter ) to their research department in XX/XX/XXXX and received a response dated XX/XX/XXXX. The response said they are looking into our problem and would get back to us within 30 days. We received a second letter dated XX/XX/XXXX, which confirmed what we told them and said that they are in the process of obtaining the deed. Once the deed is recorded they will send us a copy. We waited over two and a half months for resolution, before attempting to find out what progress has been made. We called them on XX/XX/XXXX and they had no answers, but asked us to call them back the following week. We called, once again on XX/XX/XXXX and this time they had an answer. They told us, there was an open water bill that they needed to take care of before they could move forward with the recordation. We were not happy with the " EXCUSE '' and asked to have this elevated. They gave us another number to call, which we called on XXXX/XXXX/XXXX. We explained the problem, once again and was told that they would take care of the problem and we should receive a call back by the end of the week or early the following week ( XX/XX/XXXX-XX/XX/XXXX ). We waited, did not hear anything, so we called them back on the XX/XX/XXXX and they said nothing has changed. They assured me that if they do n't have it resolved by the first of next week ( XX/XX/XXXX-XX/XX/XXXX ), it would be elevated to another level. 
We are at our wits end! Please let us know, if there is anything further we can do to get this resolved. It appears, as if, they have no desire to resolve this issue. If you ask us, this should be illegal, if not criminal to hold folks hostage!!
XXXX XXXX called stating that she 's sorry she took so long to contact me with information that I needed ( she called my office line ) and left her contact information with no indication that she was a debt collector or calling to collect on a debt.
Describe what happened so we can understand the issue ... 
I have told this company on multiple occasions that they have my info mixed up with someone else 's file : 1. My name is XXXX XXXX - it 's never been anything else. Please update and remove the alias. 

2. My address has been XXXX XXXX XXXX XXXX XXXX, FL XXXX for the past 22 yrs - Remove all other addresses because I 've never lived there. 
3. It 's showing several inquiries listed -- Please remove anything for the past 3 yrs as I have not applied for anything, I 'm a XXXX. 
4. The employment information is incorrect - Remove and I do n't wish to update.
I own a house in XXXX, XXXX XXXX. The mortgage is held by Seterus, XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. On my most recent statements, Seterus has been charging a monthly charge of {$260.00} for insurance and taxes. I have complained to the company ( letter attached ) that it is double-billing me, because since I took ownership of the property I have paid the property taxes ( recent XXXX County tax bill attached ), and have carried my own insurance. I have asked Seterus for an itemized statement of complete charges for insurance and tax charges, so I may claim insurance and property tax refunds.
1 ) Vis  a  does not disclose a human contact number for its 'giftcardmall.com/mygift '. I had to find a corporate number and i was told to enter  XXXX  # twice on the automated phone line to get human help. No option on the phone system to get human help  2 ) Visa doe s not disclose they do not do business with the  XXXX  website or the  XXXX  company itself. Instead  XXXX  declines the transaction and says the card does not match the customer registration name forcing the customer to try and contact the company. ( I.e. #  XXXX   ) 3   ) V  isa 's em ail complaint system limits consumer coplaints to  XXXX  characters.    4 ) Visa  's 'I am not a robot ' system is designed to frustrate customer to give up on their complaints.    5 ) Visa  's human rep speaks  XXXX  poorly and then become aggressive at end when consumer does not hang up first, but is waiting to see if there is a customer satisfaction survey at end of call.      *** Visa  needs to publish an online black list of businesses they do not do business with so customers do n't get declined when they try to do an online purchase.
I closed on my mortgage loan XX/XX/XXXX. Since that time, home values have increased substantially in my area. My home was also a foreclosure home. I have a large amount of equity in the home due to the fact that it was purchased as a foreclosure and because of the increase in property value. I called Caliber Home Loans to get my PMI removed. I was told that I could not remove the PMI because the loan closed during a time frame that cause me to not be able to remove PMI for ANY reason. I tried to refinance the loan in order to remove the PMI. I was told I could refinance, they took my money for the appraisal fee, and then I was told I could not refinance due to my debt to income ratio. My loan to value ratio is now approx. 61.5 %. My debt level is higher due to medical bills. So now I am stuck with PMI and there is no reason I should be paying this monthly expense. I called yet again today and was told that the PMI will not fall off of my loan for any reason until XX/XX/XXXX.
Companies- XXXX/Transunion/XXXX. Account. Public Record. Since XX/XX/2009 These companies are reporting this Bankruptcy on my Credit report and have no proof of reinvestigating my dispute and on top of that saying that the Bankruptcy courts are reporting to the 3 major bureaus which they Do Not. Please reinvestigate these 3 Bureaus very thoroughly to make sure they are investigating properly and sending out actual facts instead of going by a 3rd party company that sends out inaccurate information. Please remove this negative item from my credit report as soon as possible. 
Thank you
Experian reinserted previously deleted information without notifying me as required by the FCRA. They are also reporting inaccurate information on my credit file. They have violated multiple consumer protection laws.
EQUIFAX IS PLACING ACCOUNTS BACK ON MY CREDIT FILE FROM FTC REPORTS THAT SHOULD BE REMOVED/BLOCKED/DELETED AS THEY WERE BEFORE, NOW IVE NOTICED RECENTLEY WITH OUT ANY AUTHORIZATION THESE ACCOUNTS ARE RE-APPEARING THAT ARE ON MY FTC REPORT AND SHOULD NOT BE THERE PER FDCPA LAWS.
citi changed the terms of my credit card account to paperless without users agreement.my credit score and interest rate were affected.after having reported a disputed charge i was told i would have to create an online citi account.im now being told by citi that i somehow checked a paperless payment box which i know i didnt.ive been trying since XX/XX/XXXX to get an explanation in writing.after being a customer since XX/XX/XXXX im canceling my account with citi.
I have been receiving multiple phone calls from Central Credit Services LLC regarding a debt I owe on a credit card. On X/XX/2017 they provide personal information regarding this debt ( amount owed, attempt to collect a debt, asked the person if they could pay my debt, etc ) to a person unrelated to me that answered my phone number. They additionally are constantly calling and harrassing my place of employment and told my employer that I said that they would pay for my debt which is a lie. I have told them I am responsible for this debt. They are repeatedly harrassing them and my company has asked me several times to make them stop. I have asked Central Credit Services multiple times for them to stop calling my employer and they still continue.
Mercantile Adjustment Burea  u (   XXXX   )   XXXX  keeps making robo calls to my home in  XXXX , TN with a message that if we even listen to the recorded message left on our answering machine, we agree to the debt which we have never owed. They claim  XXXX  of my vehicles made  a toll road violatio n somewhere ne ar   XXXX   or   XXXX   XXXX  ,  CA. I have not even visited that area for at leas t 15 ye ars, and none of my vehicles presently or previously owned have EVER been in that area. I have sent written notifications  twice  and demanded to see any evidence ( usually there are phot os of toll road violations ),   but my written communications have been ignored and no one has ever shown any proof of it being any of my vehicles. It is an obvious mistake and these debt collection  XXXX  do n't care. They just keep harassing my home phone.   Thank You
XXXX   XXXX   XXXX  did n't replying in a timely manner to my letters to date after numorious certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they  may be  liable for your willful non-compliance, as per FDCPA  807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly i nvestigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action  ( or  in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am preparing lawsuits against   XXXX   XXXX    & TransUnion for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.
First Credit Services has called my business cell number repeatedly to collect a debt incurred by a XXXX XXXX. I have repeatedly told them they are calling a business and there is no XXXX XXXX associated with this number. I have also told them to stop calling. The company 's representatives become abusive at that point and typically hang up on me. Just today they have called XXXX times and it is only XXXX CST.
We started a deferment process on a car loan on XX/XX/XXXX. We have never been late on this loan or asked for this. The form was sent to us on XX/XX/XXXX by XXXXXXXXXXXX who is a manager. The form was completed immediately through their XXXX signature process and sent back on XX/XX/XXXX. We called on XX/XX/XXXX to ensure that all was received. The cs rep said yes. We continued to receive calls about our payment even though we were told by the above manager and CS representatives that our payment was deferred for XX/XX/XXXX and not to worry. The calls continue to come. We called on XX/XX/XXXX again being told deferrment was in process but to call at end of month reassured once again not to worry. We were told that we did not have a payment due until XX/XX/XXXX. We called on XX/XX/XXXX asking for payment alarm to be turned off. It was turned off. Today XX/XX/XXXX we received a nasty call that we needed to contact AFS Acceptance about our account ASAP. We called and were told we owe the XX/XX/XXXX payment and that now it was going on our credit as late. We have had this car since XX/XX/XXXX and have paid its enormous interest payment every month on time. It is a 60 month loan at high interest due to be paid off next year in XX/XX/XXXX. These guys are very unprofessional and horrible with how they treat customers. The car dealer who sold us the car went out of business two months after putting us in this awful loan. We have followed everything they asked and they have continually lied to us. Our credit should not have anything negative at all since they messed a simple task up. They need to do what was promised and defer the XX/XX/XXXX payment as promised by their manager and team. Any additional questions please contact me at XXXX XXXX XXXX
On XX/XX/XXXX I attempted to purchase {$2000.00} in bitcoin from Coinbase inc. Their mobile app froze and i went to do it on a computer. Unknown to me they duplicated the transaction. So instead of {$2000.00} it was {$4000.00}. I contacted them to explain for which they told me tough luck. I contacted my bank to alert them and they took steps to stop the duplicate. However according to a support specialist at coin base, they decided to take {$2000.00} from me to cover that transaction. This makes no sense as my account went from {$4000.00} bitc coin to XXXX. Im not sure why they took the othetr {$2000.00} our and when I asked them where the money went nobody knows. So basically they stole money from my account and made is mysteriously disappear.
My student loan was originally serviced by XXXX XXXX, which was acquired by Nelnet in early 2018. Since the migration to Nelnet, my payments ( and payment overages ) have not been applied correctly, despite the issuance of special instructions. I have one loan group ( A ) with two loans ( 1 & 2 - subsidized and unsubsidized ). I want both loans to have the same balance moving forward, thus requiring equal allocation of all future payments. I have twice attempted to equalize the present balance between the loans by making small payments, then, I requested that all additional payments and overages ( since I pay more than the minimum payment ) be allocated equally so that loans 1 & 2 have identical ( or near identical ) balances at all times. Nelnet has, after repeated requests over months, consistently misapplied payments and failed to achieve this task. Thank you for your assistance in resolving this matter.