WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/2016, I loaded {$500.00} to my paypal account at XXXX using Paypal at the register ecash. I paid a XXXX processing fee, so my total payment was {$500.00} which I paid with cash. I have my XXXX receipt, which I also forwarded to Paypal for their investigation. 
The load never posted to my paypal account. Paypal has said that there was a known " bug '' during that day that prevented loads from posting. They said that my case is not unique and this issue affected a number of people. I have called paypal 10+ times following up on my issue. They said that they are working to fix the bug, but nothing has been resolved in 1 month. Two tickets XXXX XXXX & XXXX ) have been opened with paypal for the issue. I repeatedly am told that my issue will be resolved within 48 hours and I will be contacted, but I never am contacted. I have spent more than 5+ hours on the phone with paypal. I would like a refund of my {$500.00} + {$3.00} processing fee for a total refund of {$500.00}. I do n't care if they close my account, I am done using Paypal 's poor service.
RMCB is attempting to collect on a supposed past due charge for XXXX. Neither I nor any member of my family has ever purchased XXXX, especially on credit. This is completely fraudulent.
Ditech Financial is removing a portion of my extra princible payment and calculating it as interest. Since when is their interest on an additional interest payment towards any loan? my monthly payment is paid the same time every month, there should be not interest on additional principle paid separately.
On XXXX XXXX2018 I received an email from a person named XXXX XXXX stating that they wanted to buy two party dresses I had for sale on a website called XXXX. I was asked how much money I wanted for the two dresses and gave the amount of {$130.00}. I was also asked for my name and my address to send a check to. I was told that I could be met in person in a public place for these items to be picked up. After this, I had not heard from this person except for multiple excuses for why this item was not purchased and why the check was not sent out. On XX/XX/, 2018 I received  a check in the mail from an XXXX XXXX from XXXX XXXX, Kentucky. The cashier 's check was made out to my name, but the check came from XXXX XXXX for XXXX. The check is coming out of an account from PNC Bank in Illinois, This was a lot more than the {$130.00} I asked for. When I emailed XXXX to tell him I received the check, he told me movers would be coming for this item and I would be paying for them to come move these items. They wanted {$500.00} in XXXX gift cards. At this time, my bank- XXXX XXXX told me the check was fraudulent because there was no such person and no account from PNC Bank XXXX and bounced in my bank account. As a result, my bank account is closed until I can make a payment. Since I can not make any payments on my checking account and credit cards, my credit card minimum payments have skyrocketed.
On XX/XX/XXXX I sent a letter to Helvey & Associates in response to a debt collection letter I received stating I owed a balance to XXXX XXXX. It is now showing up on my credit report as an unpaid balance that went into collections. I paid this balance in full in XX/XX/XXXX directly with XXXX XXXX, so it should have never gone to collections or have been reported as past due. I have not received a response from them.
For more than a year, I am paying my mortgage to Mr. Cooper ( Former XXXX XXXX XXXX ) on time before the 15 of each month, that is the time that I have before getting late fees. I make electronic payments thru XXXX XXXX XXXX online services ( yearly payment statement attached ). On XXXX, I received a statement stating that I did n't pay part of my mortgage and Mr Cooper charged me late fees and the money that I supposedly did n't pay. I made a 3 way call between Nationstar and XXXX XXXX  XXXX. My bank rep confirmed that full amount payment was made electronically on time on XXXX/XXXX/XXXX ( money was withdraw from my account ). Nationstar admitted their mistake and returned late fees. On XXXX XXXX, this situation happened again. I spent an hour taking with Mr Cooper rep that did n't believe me and they could n't understand what electronic payment means, stating that Maybe I was using mail service to do it. A XXXX XXXX XXXX confirmed that full payment was made on time the same way, electronically, same address and account number. The problem was solve after that. 
Now I received a default letter stating that I did n't pay XXXX Mortgage. I contacted XXXX XXXX XXXX that proved that payment was made on time on XXXX/XXXX/XXXX ( All info was verified by Mr cooper rep ). I still being harassed by Mr Cooper, sending letter of " my default ''. I do n't know what is happening with Nationstar ( Mr Cooper ) that keep not registering my payments. This situation is causing me stress and anxiety. I pay on time and I do n't know what to do at this point. Attached you can find my online electronic payments and a letter from my Bank proving that Mr. Cooper received the money on time. This is the 3rd time and I do n't know what to do.
I receive a retirement check of {$41.00} from XXXX bank XXXX New York. I did not receive it for the month of XXXX I contacted the bank and was asked to wait until the XXXX of XXXX which I did still did not receive it.I called today XXXX XXXX and was told it was cashed at the central bank in the XXXX.I am very upset this has never happened before. The XXXX bank wants me to wait for them to get the cashed check back before they do anything. I want to know how my check ended up in the XXXX XXXX when I live in The United States. This bank has had my retirement since I retired in XX/XX/XXXX so not having my address is not an issue I have received last months and the months before with no problem. It may not be much but it is mine. I want my checks on time as always.
Medical Data Systems Owed {$2600.00} Opened XX/XX/2018 This debt doesn't belong to me. I've been calling them for months now & they will not answer so I can disputed it to get it removed off my report.
On XXXX2017 I sent {$140.00} from my Chase account to my son 's account, also Chase using XXXX XXXX. After learning from my son that the transfer never took place, I went to one of their branches located at XXXX XXXX and XXXX XXXX   and spoke to a representative, XXXX XXXX. He listened to the problem but said he could not do anything since the money was accepted not by my son but somebody else. We called customer service and filed a claim # XXXX. XXXX XXXX   reviewed the record and found that my son 's phone number on file was not up to date and the person who had the number now had accepted the money. The person 's Bank was identified as XXXX XXXX XXXX ( XXXX ). He advised to call the person and try to have the money returned and I did. The girl who answered expressed that she had accepted it but after speaking to her mother and reviewing her account the money was no longer there. Not sure if the claim filed placed this money on a special account hold. It's been almost three months and nothing has been done by the bank to remedy this situation. I believe XXXX XXXX  needs to contemplate potential errors with customers and have solutions in place understanding these are electronic transactions from bank to bank and can be fixed internally once a complaint has been filed.
XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX   XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : AMERICOLLECT INC. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

AMERICOLLECT {$210.00} Account Details Last Reported Collection Agency Original Creditor Status Opened Date Closed Date Responsibility Balance High Balance Remarks XX/XX/XXXX AMERICOLLECT XXXX XXXX XXXX XXXX  Open XX/XX/XXXX -- Individual {$210.00} {$210.00} Account information disputed by consumer, meets FCRA requirements Creditor Contact Details AMERICOLLECT XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
Was told my payments would be XXXX but the withdrawal was XXXX, and if i had known i was being lied to i wouldnt have went through with it
I was opening my mail on XXXX XXXX. I had not had time till then. I was working from XXXX to XXXX trying to make up time I had to take off because of an accident In XX/XX/2918. I came across a letter nothing on it printed as important info. Not a signed reciept letter. It said they would be foreclosing on my house XX/XX/2018. Due to my injury and school where I clean. Had cut my hours to 1 or 2 hours for the summer. I fell behind a month but I had been paying a month behind with the late fee. I was not notified I had a problem till XX/XX/2018. When I got a check for {$40.00} and this letter. This should have been sent signed reciept if it was that important. They had been accepting my payments for 3 maybe 4 months then bamm they come out of the blue with 20 days to come up with another {$700.00}. This is unfair. 2 years ago they charged me extra a month for 9 months because they forgot to add in my insurance to my bill. I played my bill as they said I owed promptly on the first but then I had to come up with {$200.00}. More in full. I had to pay it on the XXXX when I got payed again. That is not fair either. I spoke to an attorney he said I could either pay him or the mortgage company .big business I could not win. Thus us unfair.
On/around XXXX 2015, my wife and I contacted Wells Fargo ( currently have a mortgage with ) to apply for a XXXX refinance in order to update our home. Upon filling out the credit requirements and getting a preliminary approval, we were charged {$950.00} for an appraisal fee. During the time of the appraisal ( waiting for it to come back ), we had to pay a .25 % fee on the loan in order to keep our rate locked in. After coming back with the appraisal, which was too low for the amount we requested, we were instructed to revise the bid down to the amount Wells Fargo would loan. During this time, we had to agree to another .25 % fee to extend it yet again. After submitting the revised bid, we were told we would have to pay another .25 % fee to hold the rate ( rate expires after 2-4 weeks ). This was agreed to yet again. Upon receiving the revised bid, Wells Fargo required that another appraisal be done because the scope of work had changed ( at their request ) and that they would pay for a second appraisal but we would have to extend the rate again with another .25 % fee due at the time of close ( approx. {$650.00} per extension in fees ). 
With a total process of 6 months from the time of application to the request of a second appraisal, I feel as though Wells Fargo has an unwritten policy of intentionally creating an environment in which consumers are given the option of re-financing but through their arduous and twisting process, hope to lose them through attrition. If a loan does close, they have collected numerous " fees '' in the form of rate locks. These rate lock fees coincidentally happen to coincide with time sensitive occurrences such as appraisals, underwriting decisions, etc. thus resulting in the consumer being pressured to agree to the rate locks or risk starting the loan process over again. Due to this hostile environment, I formally requested the {$950.00} fee refunded. After 4 weeks ( XXXX extensions ) by their " Compliance Department '', I was told that there will be no refund.
Planet Home Lending failed to request payment for some XXXX discrepancies in our account to XXXX, KEEP YOUR HOME CALIFORNIA. Now they are trying to get us to pay it. This caused a monthly inconsistency in our mortgage payments. Because this issue was n't corrected, it made our account look delinquent every month since XXXX XXXX. Also, XXXX paid Planet Home Lending through XXXX of XXXX and Planet Home Lending is stating they were only paid through XXXX XXXX.
On  XXXX   XXXX ,  2017 an em ploye e of First B ank sent an email to  my Home Owner 's Association 's board of director 's   email distribution list. He attached an unprotected .pdf file of paper work I had filed as part of the loan application including bank statements,  XXXX  and pay stubs. My full name, address, social security number, bank account numbers, user name and email address were published. This is a clear violation o f Public Disclosure of Private Facts   tort. First B ank 's response has been paltry. I had to find out on my own that I could register for 90 days of fraud protection from the  XXXX  credit bureaus. I have been offered one year of identity theft protection.
In XXXX XXXX, I contacted Sun Trust with respect to a loan from Sun Trust Bank that I co-signed for my granddaughter ( XXXX XXXX ) and offered a proposed settlement. On XXXX XXXX, XXXX, I received a letter from Sun Trust rejecting my extremely fair settlement offer of {$52000.00} ( original loan {$39000.00} ; interest as of XXXX, XXXX of approximately $ XXXX ) over a period of 14 months. On XXXX XXXX, XXXX, I wrote to XXXX and Trust explaining the reason why I was making the settlement - which included my age and health situations, and that since my granddaughter would not be able to make payments, it was my desire to pay this amount and not have to worry about additional interest later on or my ability to make those interest payments. I filed a complaint with this office ( CFPB ) within the same month ( File # XXXX and XXXX ). Sun Trust responded to the complaint I filed with your office and on XXXX XXXX, XXXX, I received a letter from XXXX XXXX, Vice President, Client Advocacy Management Office rejecting the offer made in my XXXX XXXX, XXXX letter. On XXXX XXXX, XXXX, I wrote to XXXX XXXX asking for reconsideration but have not received a response. A copy of this letter was sent to Sun Trust 's  corporate office and to CFPB. Despite XXXX 's promises, she has never made any payment on this account. In approximately two weeks I am scheduled for XXXX  XXXX and face approximately one month or more of extreme XXXX and XXXX. For 3-6  months I will have XXXX XXXX and I do not want to make any decisions - financial or otherwise during that time. Because of this situation with Sun Trust, I am unable to move on to refinancing my current mortgage because of the defaults listed by Sun Trust ( the only negative on my credit at this time ). My  mortgagor has advised me that my mortgage will likely increase to more than {$2000.00} per month (  which I will be unable to pay ) unless I am able to refinance. These are only some of the reasons I am asking Sun Trust for consideration but Sun Trust has one intent only - to charge and receive interest that would put me in terrible hardship. Based on the rate of interest I would never be able to pay off this account during my remaining lifetime. The total now due is $ XXXX ( {$7000.00} in interest added since XX/XX/XXXX ) and at this point I will not be able to make interest payments only or monthly payments period.
Equifax is showing that I owe {$1000.00} to a firm named named XXXX XXXX, XXXX ( bad debt buyer ). 
This case was taken to Mag. Court # XXXX before the Honorable XXXX XXXX XXXX, XXXX in court at XXXX XXXX, PA. on XX/XX/XXXX. 
I have notice of settlement/ withdrawal order signed by the judge. 
So far, I have disputed this item, which I have many times in the past to no avail. 

This should not be on my credit report if the case was withdrawn and I have never done business with this firm at all. 

Docket # XXXX Case was filedXX/XX/XXXX and withdrawn XX/XX/XXXX.
I have an account listed on my credit profile that is not accurate. I have contacted the company that is listed which has stated that they informed all Credit Reporting Agencies to remove this item & they have not verified this account as reporting correctly to Equifax. I have sent Equifax numerous letters to remove this account & they continue to report false information on my credit report. All of the other Credit Reporting Agencies have removed this account except Equifax, who continues to break the law by reporting false information.
Franklin Credit Management is reporting a foreclosed XXXX mortgage to my credit report with inaccurate dates. They are intentionally leaving this as an open debt to protect me from me from being able to purchase another home. I am unaware of who this company is and lost the property they are referring to in XXXX when I went through a divorce. This is now an unsecured debt. They are erroneously reporting the date of last activity in XXXX. This company has not received any payments from me since XXXX. The account should be in " collections '' instead of an activity account.
I was contacted via email by my American Express card company regarding an internal review being conducted on my finances. I have been an AMEX holder for 27 years, not ever missing payments. AMEX emailed me form XXXX requesting access to my 2015 IRS information ; AMEX is concurrently gathering information from the XXXX credit verification services. Meanwhile, they have frozen the account, while they still go ahead and collect my most recent payment. I have never heard about a card company requesting personal tax information and I find this an unacceptable invasion of privacy especially since I offered to provide them with pay stubs in lieu of releasing tax info. I have nothing to hide from a tax standpoint, I just do not believe that AMEX or any other card issuing company has the right to access that information. 
I have 14 days to respond to the request of completing the form. The language used in the email is outright threatening ( please see below ) : " If you fail to provide the documents required within 14 days of the date of this letter, we may take additional credit actions up to and including cancellation of your account ( s ). 
We have placed a restriction on your account ( s ) and no further charges will be allowed until this matter is resolved. ''
I have written and contacted Transunion so many times, and their most recent shenanigans involves them not removing items from my credit report, even after the collection agencies have notified them to remove such items. There are accounts in collections that the companies have stated should be removed but the credit reporting company is neglecting the requests. I am asking that the items be removed today! and an apology letter to follow.
CREDIT CARDS ENDING IN XXXX AND XXXX WERE PAID IN FULL ON XX/XX/XXXX. ON XX/XX/XXXX CAPITAL ONE CHARGED AN ADDITIONAL XXXX & XXXX IN INTEREST. CONTACT EMPLOYEE ON XX/XX/XXXX SYSTEM WAS DONE, BUT THEY STATED THERE WOULD BE NO PROBLEM REIMBURSING THE INTEREST. THEY ASKED ME TO CALL BACK LATER. CALLED ON XX/XX/XXXX AND WAS TOLD SURE, WE CAN REFUND IT. AFTER LEAVING THE PHONE FOR A FEW MINUTES SHE CAME BACK TO SAY THE COMPUTER WOULD NOT ALLOW IT SO I AM OUT OF LUCK. CONTACTED AGAIN ON XX/XX/XXXX VIA ONLINE CHAT AND WAS TOLD EVEN THOUGH I SELECTED " PAID IN FULL '' THE INTEREST WAS STILL VALID.
The problem is chase bank, my bank. When I log in it always tells me that I am pre qualified for the chase unlimited card. I checked my credit report today and it shows a denial inquiry on my report that drop my credit  XXXX  points. I want this removed at once so I can make arrangements to take my money out of this bank. This is a clear case of false advertising.  Chase  also sends the same thing in the mail
CITI Card account ending XXXX has been billed in error. Please check the original account information for XXXX when this account was established, purchases made and what State and Why it was rolled over as this was reported as a " Rollover " account number. There was no use of any other account or issuance of any other credit card to this XXXX XXXX. 
There may have been identity theft as XXXX XXXX ( account ending XXXX ) only had this account since applying.
I was informed XXXX days ago by my future employer that I had an delinquent account totaling {$2000.00}. I called the leasing office where the debit was owed and was informed that it was for move out charges ( XXXX ) my former husband accumulated. I was no longer in the home as of XXXX. The leasing office XXXX had my contact information including email address. There was no attempt to notify me of the debit. I was just informed the day I called. The total charges were {$1800.00}. They referred me to collection agency IQ Data International. I spoke with XXXX who informed me that I could not make payments and that they would not send me any documentation that the loan exist. My only option was to pay the balance in full and if done in XXXX days it would be deleted from my record. She stated if i could not pay i would need to get a loan from a bank. She referred me to a local bank. The next day i called and decided to make payments and not take a loan out because of the state of my current credit score. I was transferred to XXXX again. On this day she stated my balance was now {$2000.00} that it accrues 7 % interest. She became furious when i told her i would not take out a loan and for her to send me documentation so that i can make payments. She then stated that i was refusing to pay the loan and finished stating some sort of disclosure. I asked to speak to manager she said he was at lunch. I hung up called back spoke to another associate who said she could not speak to me about the account but that that managers where on lunch but she provided me with his ext. The managers voice mail had no greeting of the agency or managers name. I left a message and have yet to receive a call. How can i be responsible for paying a debit that i was not informed of then when i reach out to the collection agency they are not providing me any documentation. Do I not have rights, am i just expected to send money to an agency i do not even is legit.
This is a written dispute regarding a previous credit card and private school account that reported me 30-days past due for one month 's charges. My recent credit bureau score report labeled 'Account 30 days past due ' that I am requesting to be reviewed and expunged. I had previously contacted the company directly without success, as well as having reported this exact complaint to XXXX but no action was performed. 

Chase Bank USA : 30 days past due in XXXX 2012. This was a standard credit card account through XXXX XXXX. I was scheduled to receive electronic statements monthly ; unfortunately, I would not receive the emails as scheduled, having happened multiple times while my account was active. I spoke with customer service regarding this on multiple occasions, having been assured any glitch was rectified, of course them deferring the blame to me for simply disregarding the email or not be responsible, which I then argued to review my history of payments. Upon realizing I was overdue, I immediately paid the total charges, in turn they reimbursed me the {$25.00} late fee. I have copies of the XXXX and XXXX statements representing this. I have since closed the account due to not wanting to deal with what I believe is deliberate maneuvering.