WillisBack/dataset-financial-user-claim huggingface dataset:
Got a call from XXXX threatening me about a payday loan from Check n Go. They said I need to turn myself in to the police. My bail is {$25000.00}. I need help, I 've never received any letters from the payday loan company or any summons. Needless to say I live in Missouri and I get a call from an out of state number about this matter. Also, this XXXX number had the sheriff 's office call me. And said that if I 'm pulled over I will be arredted for this matter.
i have became a victim of identity theft since 2005 i have major police reports i had everything stolen from me i talk to navient hundreds of times and they told me that it will remain on my credit navient debt collectordidnt verify collectionno contract no sigiginature they told me that i should have been more careful and held on to my purse i was XXXX and for them to say such unbelievable words was beyond me. i had no choice to report them to get some help on this
On XX/XX/2018 I was on the XXXX airline website to purchase airline tickets. I was offered to double the points, plus other benefits if I would open a XXXX XXXX Mastercard issued by BofA. Two days later on or about XX/XX/XXXX I called BofA and inquire about this offer and when I would see the airline mileage points. I was told by the BofA agent that I wouldn't receive any points for this purchase because the card hasn't been issued. I then asked the agent to cancel my application. Please note at this time of the call BofA had NOT issued me a CC number or mastercard. 

I received a bill from BofA in XX/XX/XXXX and I once again called to correct error and the agent said the card was canceled and I had No fees. 

I received another bill from BofA and I was told because BofA had issued the card I would be forced to pay the XXXX card activation fee. Please note the card was never activated and I attempted to cancel this card two days after the application. 

The advertisement concerning the double points and assign seating was deceptive and BofA had several opportunities to cancel the application. But then why should BofA cancel the application and lose {$89.00}
On X/XX/2017, two charges were made to my PNC account from XXXX. One was for {$9.00}, which brough my balance to {$2.00}, and the other charge was {$3.00}, which brought my balance to negative {$1.00}. I was then instantly charged a {$7.00} 'service charge ' by PNC . So my account was overdrawn by {$8.00} after this service charge. I did n't immediately take care of the problem as I have moved states, and was traveling/busy over the next two weeks. This is my mistake. I received a call on XX/XX/XXXX stating that my account was now {$170.00} in the negative. So because of one overdraft charge, and then the bank 's own fee, I owe nearly {$180.00} for going less than two dollars negative. The punishment I received does not match the crime. It 's like executing someone for stealing a loaf of bread. <P/>So I paid it off after unsuccessfully attempting to have them be merciful, and asked them to close my account. Never use PNC. Use a mattress. A mattress wo n't steal from you.
Midland Funding LLC is in violation of the Fair Credit Reporting Act. A XXXX XXXX investigation from XXXX 2015 found the account ( # XXXX ) was unverifiable/inaccurate and was deleted from my XXXX XXXX credit report. Midland Funding LLC did not report the deletion of the account to XXXX or XXXX, the other consumer reporting agencies that it reported the account to. Midland continues to update the account with negative information on XXXX and XXXX inspite of XXXX XXXX 's notification of deletion. Proof of the XXXX XXXX investigation results are attached. This complaint will be used as evidence in legal proceedings.
It 's been well over a year now, and I 'm still battling with Merchants  & Professional  remove a fraudulent medical account. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies wo n't comply with the FACTA and I 'm suffering the consequences of this identity theft.
In XXXX XXXX I went to a XXXX to get help with my feet, starting in XXXX I called XXXX a week in an attempt to pay the debt. XXXX office never returned calls or messages. In XXXX XXXX XXXX, I received my first collection letter threatening to impose additional efforts. So XXXX XXXX, I walked into the doctor 's office and asked them if I can pay my bill. Doctors office said no, we do n't do that here, they took a message and a billing supervisor called to take " full payment '' {$550.00} as reflected on my bank statement. I also asked the Doctor 's office to resolve the issue with the collector. The billing supervisor and the doctor 's office promised to resolve the issue. XXXX XXXX I got another collection letter, so My husband called the collector and asked them to call and resolve an already paid debt. XXXX XXXX I received my 3rd letter and called collector personally to tell them it was paid. Message machine no one available. 

Given the doctor 's violations and the collector 's violations it would be helpful to get some assistance to resolve the issue.
I requested an escrow waiver agreement from my mortgage provider and learned there would be a {$510.00} fee attached if I no longer wanted them to collect the monthly escrow fee. When I questioned XXXX XXXX at Aimloan ( XXXX ) I was told this is standard procedure. Is this truly the case?
I called the lender the XXXX week of XXXX XXXX as directed by the loan documents to inform them that I wanted to stop all ACH & check/debit card withdrawals from my bank account. They informed me that they would honor my request. I also asked my bank to block all transactions form the lender. Over the weekend of XXXX/XXXX/XXXX there were 3 withdrawals from CashTime posted to my account. 

This is in direct violation of my request. It 's possible that they changed some identifying information so that it was not recognized by my bank, but it is still in violation. 

the total amount they debited my account is the money needed to make my vehicle payment and seems to be unfair tactics.
Good evening, I have been battling the collection practices of  'Hunter Warfield  ' and  XXXX   XXXX  ' for years now.   They claim I owe over  8k in  collections for a wrong doing eviction that occurred in XX/XX/XXXX  XXXX  XX/XX/XXXX    I was told by  XXXX  that I could resolve the remaining 6 months of my lease with their leading Office due to the fact that my roommates left me stranded and I could no longer afford rent. They WERE notified of all this in email and I was willingly authorized to vacate the premises before an eviction occurred.  XXXX  agreed to this because they had confirmation from the VA, that I was not receiving my military housing benefits on time which put me behind on rent. Only a month or so. In   XXXX  , I had orders from the  XXXX   XXXX  to report to   XXXX   XXXX   in Texas for a  XXXX  to  XXXX .   They WERE notified and I thought I was covered under law due to my military orders.    XXXX  quickly evicted me and added over  2k in f ees.    Hunter Warfield them then took over collection and harassed me for months with no re gards to my situation.   This debt has been removed twice from my credit reports (   XXXX    and   XXXX    )  but have emerged on my reports both times. I can not afford an attorney and have never been issued any legal documents or paperwork in regards to the debts or my options to settle said Debt.   I am pleading for assistance, as this collection account has coated me uncountable credit hardships. Thank you, Best Regards  XXXX   XXXX
Experian is reporting XXXX accounts as having reported a negative status. Because of accounts not reporting a payment status. These accounts are reporting current and or Paid in full on time. 
XXXX XXXX : An approved loan for one day only, on the wrong Car. 
XXXX XXXX : The same situation, a one day loan. 
XXXX XXXX : Reporting Status Current, only open two months. 
XXXX XXXX : Reporting Status Current, Paid and closed after 48 months of timely payments.. 
XXXX Credit Card : Reporting Status Current ( Paid off within 12 months to escape credit fees ), account closed by consumer.
Every time I try to register on CreditKarma I am given the error message that my personal records don't match the records of the Credit Bureaus. I tried to register on Annual Credit Report. com and I'm having the same issue. Obviously my SSN has never changed. I keep trying my past addresses and I'm having similar issues. I pay my own auto insurance, phone bill, subscriptions to Satellite Radio/NetFlix/streaming services but I've never taken out a loan or credit card. I paid cash for my college tuition and cars. Could the limited credit history be my issue? I find it hard to believe I don't have any credit history at all? Thanks
I deposited a Check from my XXXX XXXX Account to my Bank of America Account. 
I deposited using a check because it was after hours on XXXX XXXX, 2016. 
On my receipt the deposit receipt says that the check has been placed on a 10 day hold because " XXXX XXXX is reporting that there is a high likelihood '' that this check will not be honored. 

1 ) When I wrote the check the funds were available on deposit at XXXX XXXX Bank. 
2 ) XXXX XXXX Bank is communicating to third parties that my checks are high risk according to recorded conversation by Bank of America! 
3 ) Bank of America is placing holds on checks for extended periods ( 10 Day ) and then not taking that hold off once the checks are cleared by the bank in which the check was written against. 
4 ) This is denying me access to my funds. 
5 ) In this case, I know for sure that this check cleared on XXXX XXXX from XXXX XXXX Bank. 
6 ) On XXXX XXXX, 2016, Bank of America restated that " XXXX XXXX Bank '' was advising Bank of America Bank that the check was to be considered high risk, even though the check had cleared XXXX XXXX on XXXX XXXX, 2016! 
This is false information and I have discussed this with XXXX XXXX and nobody knows how to fix it! 

I want XXXX XXXX Bank to STOP reporting false information!
I sent payment to a vendor via coinbase and the vendor says they never received payment and will not ship without proof from coinbase I have tried reaching customer service via email, XXXX and their online help site l daily for well over a week and a half since XXXX/XXXX/XXXX This is for medication my son NEEDS, I get no answer at all from coinbase and recently got back a massage that emailing them directly has been disabled They have no customer service number, the do not return emails and there online chat looks to be disabled Sent XXXX XXXX XXXX {$300.00} To XXXX Note For order # XXXX Confirmations XXXX Fee XXXX XXXX Transaction View transaction XXXX/XXXX/XXXX XXXX PM COMPLETED
In XX/XX/2014 I was told over the phone, by the representative whom assisted me, that the forbearance which was placed on my account would remove the credit reporting for the period of delinquency for the same months that it adjusted the loan. This is supported by my XXXX as it shows non-reporting for XX/XX/14 ( which is 1 month in arrears meaning that the actual suppressed month was XXXX ). If XXXX was suppressed, from a call in XXXX, then the other months are eligible to be suppressed as well. As your prior resolution indicated, you must report accurate information. As shown, your company is willing and able to suppress/not report and remain in compliance with the Fair Debt Collections Practices Act. 
Responsible Servicing dictates that accurate information is to be given to the customer so that they may make an educated choice as to what to do. I was inaccurately informed that the account adjustment would also remove delinquency. I may not have used the adjustment period if I had been given the accurate information. I am limited to the number of months that I am able to have alterations to my repayment of the loan. Due to this I may have taken those months and utilized a different timeframe for use. I request that you review the telephone conversation to ensure accuracy of the information given. If this conversation is not available for review or when discovered that inaccurate information was provided, please remove the months of delinquency. 
Upon conclusion/ final response to this notification : REMOVE THE CREDIT DISPUTE NOTATION FROM EACH CRB AGENCY.
This letter is to give notice of a violation of the Consent Order issued XXXX XXXX, 2014, File No. XXXX to Flagstar Bank, F.S.B. According to Section C. subsection 89 ( b ) it states as follows : For any Affected Consumer who ( a ) is delinquent or in foreclosure as of XXXX XXXX, 2014 and ( b ) is more than XXXX days before a foreclosure sale as of the Effective Date or no foreclosure sale is scheduled ( " Delinquent Consumer '' ), Respondent must : b. If a foreclosure trial, judgement or sale is scheduled, based upon the circumstances of the foreclosure and the applicable state law, petition the court, or take other reasonable measures to delay the foreclosure trial, judgement or sale. 
Flagstar Bank F.S.B. is pursuing a foreclosure action which clearly is in violation of the referenced Consent Order. I qualify under the criteria of the Order therefore I am requesting a full investigation and action to terminate Flagstar Banks attempt to foreclose so other remedies may be pursued. The case was filed in XXXX XXXX County Missouri Circuit Court under Flagstar F.S.B. v XXXX XXXX XXXX. 
This is not a request for legal advice or assistance of legal counsel in this matter. I am available to assist in any way to bring this matter to a conclusion. Your urgent cooperation is greatly appreciated.
National Credit Adjusters Have called 3 times now since I had a credit app ran for a new place to live. This is the only way they have gotten my work number since I have n't applied for anything using that work number. They were told each time that it was a place of business not my personal phone number and if they needed to inform me of anything to send it in writing to my address ( since they got my work number they should also have that ).
TODAY XX/XX/XXXX WHILE GOING OVER MY CREDIT REPORT I SAW SEVERAL ACCOUNTS A ADDRESSES ON MY XXXX XXXX, XXXX  AND EQUIFAX REPORT THAT DO NOT BELONG TO ME. MY DATE OF BIRTH WAS WRONG AS WELL. THERE WAS SEVERAL PHONE NUMBERS LISTED THAT DO NOT BELONG TO ME. THERE WAS ACCOUNTS WITH THESE COMPANIES NEVER DONE BUSINESS WITH THESE ORGANIZATIONS.XXXX XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX****, XXXX XXXX # XXXX****. I AM UNABLE TO RENT OR BUY A HOME NOW WITH THESE UNRECOGNIZED ACCOUNTS ON MY CREDIT REPORTS. 
MY CURRENT AND ONLY ADRESS IS 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
Since XXXX of this year I have written in to all three credit reporting agencies to address accounts being reported inaccurately. The accounts that are not being reported accurately are XXXX XXXX, XXXX XXXX XXXX, and Capter XXXX bankruptcy. XXXX XXXX is still reporting late payments when the account has been closed/ paid in full. XXXX XXXX XXXX is invalid because the account is not mine and should not be on my credit file and lastly the Chapter XXXX Bankruptcy is not mine, no monies owed, being reported inaccurately also to my knowledge all public records that are not being reported accurately were to be removed XXXX XXXX, 2017 which also has not happen in my case. I have sent all companies formal written disputes none have replied with supporting documentation of the debt being valid or verified. I have written in to all three credit reporting agencies to have these accounts removed which also to this day has not happen.
We are having a problem with Capital One Bank and Menards. We opened a Menards credit card with Capital One to buy kitchen cabinets. The cabinets on display, which we fell in love with, were a higher quality than the exact same cabinets we purchased. The cabinets we received had staple marks on all the finished end units. XXXX cabinet had the toe kick plate missing. Another cabinet had an exposed nail bent over sticking out of it. When we brought it to the managers attention, he said this has never happened before. Yet, he said he would order us new cabinets to replace the damaged cabinets. However, the replacement cabinets would arrive with staple marks showing on all end cabinets. He ordered us skins to put on the end cabinets ; which we had to pay our installer to cut down to size and install. This was not told to us by the salesperson. She obviously wanted a sale so she omitted pertinent information we needed to make an educated decision. We still had issues with the cabinets and called Capital One to let them know what kind of company they were representing. They stopped taking and returning my calls after XXXX told me that Menards would have the cabinet company call me to fix the problem. To this day, they have n't called. I have since received a letter from Capital One stating that Menards did nothing wrong and my account would be removed from disputed status. Menards and Capital One must have one sweetheart deal going. Stick together and stick it to the customer! In my opinion, Capital One is now an accessory to fraud. Menards is refusing to partially reimburse me for all the aggravation and frustration we are going through, not to mention the extra money we had to pay to have our contractor install the corrections. They wo n't even exempt my account the late charges and fees accruing since I refuse to pay until the case is really settled to my satisfaction. I am hoping you can help me. Pictures are attached. XXXX picture shows the corrected skin installed that was n't cut exact and is now noticeable.
My checking account is in the negative. The bank continue to allow payments to post even though I am in the negative and charging me each time the {$35.00} overdraft fee. The bank has allowed one payment to process unsuccessfully 4 times, charging me a {$35.00} fee each time, while still allowing other items to post and process. I can't get back on track because I owe Simmons all of my check.
I am writing to file a complaint against Experian On previous validation of request, Experian failed to provide the true date and its validation to 1st delinquent date negative item has been reported on my credit report more than 9 years I called creditor and it stated they have stop reporting after XXXX 2015 Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with EXPERIAN to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance.
They do not update my information/have incorrect information on me and I can not correct it, I can not log in due to the security questions not being correct
I carried a balance on my credit card from XXXX month to the next. Then when I paid the card in full the following month by the due date my card statement showed that interest had accrued on my account. The company said it was the interest accrued between when the statement was printed and when my money was received.
We were contacted by an agent from Moria Development DBA Peoples Mortgage, and gave false information about a loan product, specifically a XXXX loan. The agent expressed that she was an experienced loan officer and knew what she was doing. She screwed up our loan process because she waited until the week of closing to tell us that she did not know how to process a XXXX loan. She made me pay for an appraisal for the property, as well as a XXXX consultant, and she did not know what she was doing. There was false advertisement, lies during the process, and she was the cause of us missing out on a great home as a first time home buyer. XXXX XXXX of Peoples Mortgage who is Moria Development , Inc. should be held responsible for her falsely representing products.
I have recently opened a Capital One account online and attempted to add my spouse to the account today. I had followed the directions posted on the Capital One website and did not see the option to select add a new account holder as described. When I called to find out what I might be doing wrong, I was advised that I was not doing anything wrong and the option had been disabled on their site. They were working to have it brought back and would hopefully have it done within the next month. I asked if there was any other way I could add my spouse, manual or even visiting a branch and was told this was not an option. There would be no way to add anyone to the account unless this technology was added back. 

I am concerned that this limitation has put my families well being in jeopardy if I choose to continue to leave my money here and something were to happen to me over the period of time while the technology is being upgraded. It seems there should be a " plan b '' to service the customer when they have chosen to disable this method temporarily.
Experian credit reporting agency is reporting 2 accounts that has been verified to be deleted from my report. I am uploading proof from XXXX credit reporting agency that the results of the investigation is the items were deleted. Experian should be receiving the same instructions to delete. However they just keep reporting it.
Walmart Master Card Interest Rate : I called Walmart MC XX/XX/2018 about my interest rate amount {$63.00} on my statement that was very high its was 24 % ... I asks if it could be lower being I'm was paying {$140.00} to try to paid it off due to a car repairs - the representative said in so many words no that is what I signed up for. ( what I'm guilty of is not doing my homework on XXXX XXXX XXXX before I put those car expense on it, but at the time my XXXX XXXX Credit Card that I use for car repairs was no longer allow to be use at the XXXX XXXX XXXX because they had been informed that the bank on that card was under investigation for fraud, I don't know if that's true, just need my car back. So, I put the charge on the XXXX XXXX. The first month XX/XX/2018 I paid XXXX. I didn't check the interest rate then, but I did noticed it in XX/XX/2018, which is why I called them. I didn't make a stink when the representative say no, all I said I'll have to do some changes and thank her for her time. Now, I applied for a credit card that had zero APR for 14 months, cool I said to myself I can get that paid off in that time frame. In the middle of the transfer to the new card- I noticed that I wasn't going to have it complete before the due date of the next payment to Walmart MC . I said I eat the XXXX interest in XX/XX/2018 and told myself to check those interest rate more closely. But to my surprise Walmart MC interest rate went up to 24.40 % making the Interest charge now XXXX wow what is going on? I didn't call them just to let you know, I didn't think the would doing anything anyway ... I've started to read online all the complains online from consumers, if half of what I read is true, someone should do something about this and hints me writing this, I really don't think this will amount to anything but at least I got this on paper what happened to me. I hope that someone will read this and not apply for a Walmart MC. I've had learned a hard lesson. I do have my XX/XX/2018 statement but do not have the means to scan it in. I'm sure Walmart MC has all the documentation. I could go online and download the statements from there web site, but lets see what Walmart MC has to say ...?