WillisBack/dataset-financial-user-claim huggingface dataset:
My wife & I purchased a mattress & a head board from XXXX XXXX XXXX. During the time we were buying the product we were in the middle of buying a home & could run our credit/ spend cash. We asked the owner about their promo & we see you have a promo going said " Get any product & finance for up to 12 months with " XXXX XXXX '' same as cash no credit checked need no down payment & etc. We asked all questions before agreeing to sign any documents & getting our products but how ever when inputting our personal information on XXXX XXXX Desk top. I notice a fine print saying if I do n't pay off the iteam in 3 months interest would add on & I would pay 40 % to 50 % more then what the item cost. I asked the owner why the fine print saying I would pay more if I do n't pay in 3months? He said " Oh disregard that! I have my finance guy take good care of you. '' & I do n't have to worry. I went ahead got the both items with my wife paid a {$50.00} each the Application ... but then during that time I also bought a Queen size frame cost {$77.00} & during check out the owner wife came & help but then she added everything thing up on the invoice & had me pay not realizing {$50.00} was supposed to go to XXXX XXXX. She discard everything her husband was doing. started an argument then a couple day 's later we got documents from XXXX XXXX & saw the item price we finance if is not what we agreed on in the store & sighed for so I called both companies. but was very rude to me like I did them something & also the rep told me please just pay her bill & ended the call. left looking foolish & do n't know what to do. I was side track from buying new home & getting a job that I forgot to file this complete from months ago. how ever I called again I later was told that fee I paid was a penalty if I what to pay of my items earlier then the 3 months & supposed to pay {$40.00} for the application & {$50.00} for early pay off. But in the store the owner charge my wife & I {$50.00}. I went to the store try getting back the money they refuse to refund us. I went back & forth with XXXX XXXX & the owner of store. Both refuse to help. Oh yes & on top of that I was told I had to pay the {$50.00} fee again they did n't get my application fee. I have now over paid for the product & also my wife & we really, really need your guy 's help because we are being told that now instead of the original cost at the end of the 12th months we are paying 3 time over what the item cost. That 's clearly a ripe off!
XXXX XXXX XXXX is calling not only my number, but also the numbers of relatives. This is not acceptable. They are calling from XXXX XXXX XXXX and leaving a call back number of XXXX XXXX XXXX. The message says it is regarding a debt. I have no knowledge of anything owed to this company ( I may have some other debts but I don't know about this one ).
___/___/___ Dear Sirs/Madams ; I recently received the paperwork regarding this case in the mail. The envelope was dated ____date______from_______adresss____. As I have read the paperwork, there was an attempt to serve me in person, the paperwork was serviced to a person that does not exist and I have concerns about consumer privacy. Clearly, as stated in the paper work ___________ was the substitute and spouse ; he/she is neither.
My spouse has been deceased for years and as aforementioned____________ was not and is not my spouse. The original paperwork was given to a complete   stranger not only compromises my privacy, it is a detriment to being able to resolve the matter within the allotted time frame. Furthermore, I attempted to resolve this matter and negotiate a payment plan however, by the time I received this I '' mailed '' paperwork the online option was unavailable. I suffer from  XXXX   ( docu mented ), my privacy is especially important, due to this matter my stress is elevated-Who in fact received my paperwork? Why did I not receive it that day? What does this unsaid stranger know about me?   I tried to resolved this matter with your client before it came to this ( I have photos of trying to pay the bill on line and the down payment was ambiguous-and I have photos of it changing, I tried for a larger payment to not avail ).     I made every attempt to pay the bill, after my after my spouse died my accounts needed to be changed to a solo account and this takes some time ; coupled with identity theft shortly after-not only is a strain but it takes quite a bit of time to change these things. I am not eluding my responsibility, I am sincerely trying to resolve the matter and made calls expressing my situation long before this : bottom line is I could not make payments from an account I have no access to. My children had to take this responsibility in interim because my inaccessibility to all the matters that needed to be accomplished, legal matters are time lengthy-especially after death.     Sincerely, ________________
I made a cash advance with Citibank in the amount of {$2000.00}. The interest fee was 5 % of that cash advance. I made a cash advance on XX/XX/XXXX in the amount of {$1000.00} and another {$1000.00} on XX/XX/XXXX. A {$100.00} interest fee was assessed.

I have a low balance on this card with 0 % interest on purchases until XX/XX/XXXX. I made a payment of {$2100.00} on XX/XX/XXXX and another payment of {$100.00} on XX/XX/XXXX. When I logged into my account on XX/XX/XXXX, I saw another pending transaction for {$100.00} notating that it was a cash advance fee. I had already paid {$2200.00} so it looks like they were charging me again.

When I called to speak to a representative, they told me the pending charge was to apply a credit towards the {$100.00} because I had paid in full the cash advance along with {$100.00} fee. It didn't make sense at the time and I logged into my account everyday since XX/XX/XXXX, to see the pending {$100.00} charge date move to a future date.

I logged into my account on XX/XX/XXXX, and see that they are trying to charge me {$100.00} for cash advance when I already paid {$2200.00}. No one at Citibank can explain why I'm still being charged. If I pay the {$100.00} that will account for my total fees for this {$2000.00} cash advance to be {$300.00}.

It doesn't make any sense since I paid in full the cash advance plus {$100.00} fee on XX/XX/XXXX which is 5 days after making the cash advance.

Citibank is trying to charge me {$300.00} in fees for a {$2000.00} cash advance that I paid off in full within 5 days.

I have my chat correspondence with a representative from Citibank who can't give me a legitimate answer so I'm filing a complaint about this.
A company refunded a payment via paypal on XXXX XXXX. Paypal supervisor XXXX ( XXXX/XXXX/15 at XXXX PST ) stated the funds are unclaimed. I asked her does that mean paypal has these funds? XXXX said, " yes. " I asked them to transfer the funds to my bank and XXXX said they do n't have them. 
There is a serious problem here. She, XXXX, could not provide any cogent answers as to where my refunded funds are. The company that refunded my money said paypal took the money from her account. 
Paypal is not interested in helping the customer.
I refinanced with XXXX in early XX/XX/XXXX, I have been on an Income Driven Repayment Plan and the Public Service Loan forgiveness plan for the duration. I work as a XXXX. I have called almost every year to challenge their qualifying payments tally which, as of today, is still more than 2 years behind. I receive conflicting information from customer service reps each time I call. Two years ago I was considering a job change and the representative said that as long as I still worked as a XXXX my loan forgiveness track should not be jeopardized. I left a lucrative XXXXl position to work for a small XXXX start up that provides XXXX XXXX for high volume or under served XXXX all over the country. I found out this year that the last 8 months of loan payments I made have not counted because my current employer does not qualify for loan forgiveness. As a small company, it appears, they can not apply for the tax exempt, non-profit status that large, wealthy XXXX enjoy. And so now instead of having about 5 years left of repayment, I have 15 years left of repayment totaling an additional {$250000.00} ( more than a half million in total, not counting the 4 years of repayment to XXXX XXXX before I refinanced in XXXX ). And so as of now the {$180000.00} I borrowed in XXXX in my late XXXX to become a XXXX will cost me more than {$500000.00} well into my XXXX. And now I have to scramble to refinance with another company, or sell my house in order to pay off the remaining {$190000.00} balance -- XXXX XXXX  more than I borrowed almost a decade ago, despite consecutive monthly payments. Mine was one of the first XXXX   classes forced to enter repayment during residency, so we were all on IDR plans and making payments too low to even cover the interest we were generating on our highest interest loans, so every year our principal balance just kept climbing. And then legislation was passed so that we could no longer write off that student loan interest. My loans continue to cost me {$25000.00} a year out of my take home pay, and now the department of education wants to extend my repayment period an extra decade even though the kind of work I do has not changed nor has my salary. This is money I can't save for retirement, money I can't put away for my daughter so that she never has to struggle with immense student debt like this, money I can't spend on home improvements or family vacations. If we told XXXX  students that the penalty for becoming a XXXX was at least a half million dollars paid out over 30 years, I am sure that far fewer American students would pursue XXXX. Which is a XXXX shame.
I have disputed the Federal Tax lien on my credit report with all  XXXX  reporting agencies and both   XXXX    and  XXXX   XXXX  have removed this permanently from my record. I contacted Equifax last  XXXX     2016 a nd furnished proof  of the Release of Federal Tax Lien an d they did not remove it from my file.
My bank waits to " run " my direct deposit a few hours after they process withdrawals on my account. Are n't banks supposed to do all deposits first, then work on the withdrawals?
On XXXX-2017 I received a notification via my XXXX XXXX account that the XXXX XXXX was deleted from my credit report after a dispute, however it still shows on my report and I would like to be removed.
On XXXX XXXX, XXXX I mailed Qualified Written Request to Ocwen Loan Servicing , LLC, which was received on XXXX XXXX, XXXX. The Servicer did not acknowledgemy QWR request by letter within FIVE ( 5 ) days and I am assuming that it will also not respond. 
For that reason, I would like you to submit my complaint with my QWR request to my servicer as soon as possible.
XX/XX/2018 I reported that my checking account had some unknown charges and I wanted to dispute them. I put in the request, about a month later someone from Bank of America contacted me and confirmed that I did have my debit card at the time of the transactions. A week later I got a letter that they denied the claim and they were drafting the temp credit they put in my account on XX/XX/18. This caused me to go negative and I am currently negative. It is going to cause a great hardship to pay this, when I was not liable for it.
I have tried twice today to request my free annual credit report from Equifax. I have 3 mortgages, 2 car loans, and 5 credit cards. The questions that are asked on the website to verify my identify are not specific enough and it is impossible to decipher which account they're asking about. A question regarding my mortgage monthly payment could have a correct answer of XXXX, XXXX, or XXXX. A question about my monthly auto loan payment could be {$730.00} or {$330.00}. It's a guessing game where I get permanently locked out of my credit report if I'm wrong. 

I have called twice, they have extensively verified my identity ( since I could clarify which account they were quizzing me about ) but will not grant me online access to my credit report. I do not  recall having this issue with any other credit bureau ( as they specify the opening date of the account they are asking about ).
I received a letter from them a while back. I responded stating I was on a payment plan with XXXX and they needed to validate it. They never did and now it is showing on my credit report. This needs to be fixed as I responded within the 30 days and they failed to validate the debt
We asked Fay servicing for a modification to our mortgage on XX/XX/XXXX and confirmed receipt of all documents. We received an email from XXXX XXXX on the XX/XX/XXXX asking for additional documents, which I provided the same day and receipt was confirmed. I was told we would have a determination in 30 days. I have asked repeatedly, and have not received a response. I am an employee of the US Government ( Department of State ) and have been stationed overseas until very recently, thus, my home has been rented. Our tenants broke the lease, therefore we do not currently have the income to pay the mortgage at the current payment, we have been behind on payments since XX/XX/XXXX. We have had difficulty finding new tenants, and have just had a new lease signed beginning XX/XX/XXXX so we do not need a long term solution. In order to keep my security clearance ( which is necessary for my job ) I have to keep my payments current and have asked Fay Servicing to assist me with my extenuating circumstances. They have been non responsive and unhelpful, and I am hoping you can help mediate the situation and hopefully expedite a solution that we can be satisfied with. 

I can forward you the documentation I provided, but it will not allow me to put it in the field below due to the file size. If someone can provide me with an email address, I will forward it.
I have been trying for months to fix the issue with XXXX XXXX. They are reporting not one but two late payment on my account I have proof that I have paid the minimum balance every month before 30 days. I paid XXXX dollars XX/XX/18 payment due XX/XX/2018 minimum XXXX. I paid XXXX dollars XX/XX/2018 payment due to XXXX minimum payment XXXX dollars. I also paid XX/XX/2018 XXXX dollars minimum payment XXXX dollars. I have contacted XXXX  and XXXX  and they will not fix the problem after an investigation. I would like these false remarks to be removed from my credit.
Portfolio Recovery Associates has 5 accounts listed on my credit report that have not been verified. I wrote a letter on XX/XX/2019 to Portfolio Recovery Associates requesting them to provide me with validation, made pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with the corresponding local state laws. They have continued to attempt to collect debt with failure to provide proper verification under the Fair Debt Collection Practices Act and filed a Judgement against me after they received a second letter from me written on XX/XX/2019 requesting this same verification. Portfolio Recovery Associates is not licensed in the state in which I reside in which is Michigan. It is illegal for Portfolio Recovery Associates to collect in a state that they are not licensed in. I would like the 5 accounts with Portfolio Recovery Associates to be removed from my XXXX, XXXX and XXXX report.
( Deposit depend on a certain of the ATM then XXXX XXXX. is cut off time ) Why does the ATM cash withdraws post before any transaction ( first when you have multiples transactions )? Next why is there a early cut off when cash with draws vs. making cash deposits with the ATM? We were told it is noting in writing but it the way your Credit Union look at the items. All Navy Federal Credit Union Board Members : My Civil Right have been violated by Navy Federal Credit Union! The purpose of this letter is to outline the facts of XXXX ( Manger or Supervisor of Navy Federal Credit Union ), XXXX XXXX has become her personal target! ( XX/XX/2017 ) It has been brought to my attention that XXXX has a special file with my name on her desk! It is my understanding that she has alerted every employed who tapes into my account to send all calls to her desk. I am on a list that she has personally target due to the fact of my race, age and XXXX. She has benefited from not waving fees that she knows that should not be on my checking account. As she stated the rules and regulation does vary, but after asking her to provide documentation of some of our concerns she stated she could not! Being hearing lost I was also able to tape record her statement. I prepared to proof the events that I was personal target after she hung up in my face! I called back and latter was told a lie that XXXX made certain statement to her. But XXXX was not on duty! So why did the Staff member lie about XXXX being on duty! Who took the call? Later she told me she talk to XXXX and XXXX a Manger, Several times I requested to speak with the persons. I was hold for over 15 minutes only to find out the true identity of the person which is ( XXXX XXXX ), was the person expressing her thoughts to the young staff member. XXXX did not want to talk to me after she hung up in my face! Was it true she gave out instruction on my file for no one to touch my account pass all calls to her personally. ( read her notes ) This is a true form of retaliation! Retaliation against a person with XXXX who filed a complaint with a government agency is unfair. Yes, I filed a complaint against Navy so to get back at me then to participate unprofessional behavior is unlawful. Did the CEO direct XXXX to target me or retaliate against me for what reason- my formal complaint. I am filing a complaint against Navy with discrimination, and requesting the Board to investigation my complaint.
I disputed information on my Credit Report with XXXX and Equifax. Both refuse to delete old accounts that are past the exertion dates or take of accounts like my old IRS bill that has been paid even after submitting proof. They will not allow me to dispute inaccurate information because they said I have already disputed it before even though things have changed since them, ie IRS.
Pressler and Pressler has sued for a debt I do not know about. They are now garnishing my pay. The court papers that were issued to my employer showed the wrong address listed. Please help me. I do not know what deb is owed and when the debt originated from.
I have been contacted by a company claiming to be Fifth Third Bank. I do not have an account with this bank, in any capacity. They have called me nine times in the past 2 days. When I answer their calls they refuse to let me speak to a supervisor, however they continue calling.
XXXX had an error in their system. Section 6-11 specifically indicates during reinsertion they have to legally give a 5 day notification and this didnt happen. I informed customer service that I was a victim of their inquiry issues and they wouldnt take care of it. 

Please see the following inquires down below that Im requesting to be removed immediately. 

Syncb/JcPenny XXXX-XXXX  Fl XXXX Inquiry XX/XX/XXXX Syncb-XXXX, Fl XXXX Inquiry XX/XX/XXXX XXXX/XXXX XXXX, SD XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX Inquiry XX/XX/XXXX XXXX  XXXX XXXX , CA XXXX Inquiry XX/XX/XXXX XXXX/XXXX XXXX XXXX-XXXX, OH XXXX Inquiry XX/XX/XXXX Syncb/XXXX-XXXX, Fl XXXX Inquiry XX/XX/XXXX XXXX XXXX-XXXX, MD XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX , DE XXXX-Inquiry XX/XX/XXXX
On XX/XX/2018, I invested money into XXXX XXXX XXXX XXXX through a broker I found online. I did research on the company to make sure that the company was legit in order for me to invest. After I proved that the company was legit, I invested a total of {$210.00} to the broker ( named XXXX XXXX ). After that, he told me his " boss '' was going to give me a call to tell me what the next steps we're and to congratulate me on my investment ( named XXXX XXXX ). After some time passed, the broker contacted me about my profits ( total profits of {$3200.00} ). I was then told afterward that I had to pay {$500.00} in taxes in order for my profits to be released to me through XXXX XXXX to the companies " tax attorney '' ( XXXX XXXX ). I sent the payments through XXXX and XXXX XXXX through my phone. I sent one half of the payment through XXXX and the other through XXXX XXXX. The contact 's email is : XXXX I didn't pay the taxes and never received my money. I contacted my tax person and he confirmed that I do NOT have to pay taxes to get my profits paid out to me. People he knew invested in that company but never paid any tax for their profits to be released. I was scammed of {$210.00} and I never heard from the people again. I leave the documents or " contracts '' sent to me here.
I am currently paying on a loan from XXXX XXXX XXXX. I had unexpected expense. I reached out to them for a loan to pay some bills. I did use them in the past and paid off under flex pay which loan amount was divided up in a few payments and paid off the loan. Since the time I have gotten the loan I have been struggling to pay it off due to enormous interest rate and the length of the loan. Loan amount {$600.00} interest rate 529.28 % which is illegal in Georgia ( GA ) total payoff if goes full 20 payments a {$2600.00}. This loan started XX/XX/XXXX according to my bank records, I was paying {$130.00} Simi annual. I didn't realized I pay them 8 payments 2 a month to date {$1000.00} $ for a {$600.00} which I over paid them {$460.00} I would like back the difference I over paid XXXX XXXX XXXX, and I would like paid in full as agreed. The other day I called and requested a copy of my contract they give me information on the loan. However, I didn't see my signature on the contract. I spoke to a women that work for XXXX XXXX XXXX and I was shock to see that I over paid them over XXXX dollars. I asked her that I should have been on there flex pay which in the past my payments was broken out for short time and it was paid back. She told me that they were not doing it anymore. I never received any information about it. I asked her to send me copy of the XXXXXXXX XXXX policy change. she said she would send it. I never received it just email copy of contract with the money stated that I browed. " In the state of Georgia payday lending is prohibited. In fact, there is a ban on payday lenders restricting their operation in the territory of the state according to the Industrial loan act ( Ga. Code Ann . 7-3-14. Ga. Comp. R. & Regs. r. 80 3-1.02 ( 7 ) and O. C.G.A. Section 16-17-1 et seq. ).  Payday loans go under a title of small loans, generally ; the minimal amount is { {$3000.00} }, according to the 16-17-2 of the Georgia Code. Certain businesses and companies have a legal right to give such loans but in terms that all their operations are regulated by the Credit Card and Credit Card Banking Act. All the lenders wishing to operate in the state should adhere to 16 % small loan rate cap APR ( and 10 % per year discounted plus fees ) as well as 60 % per year criminal usury cap. The Georgia Industrial Loan Act of 1955 essentially made payday lending illegal by requiring state licensing and registration and by imposing strict usury limits on small loans. In XXXX, the Georgia General Assembly increased the fines and criminal penalties for people making small loans at illegal rates of interest. The law went into effect in XX/XX/XXXX XXXX, and has survived challenges in federal court. Referred to as the Payday Lending Act of XXXX, this law authorizes misdemeanor charges against violators, as well as fines of up to { {$5000.00} } per violation and a possible jail sentence of 1 year ''
3 years ago I had a brief XXXX procedure and received XXXX on my foot. I had insurance and paid my deductible. 6 months later a company not associated with the hospital and in another city sent me and invoice for {$900.00}. They wo n't sue me because they ca n't prove this is mine. Just last month they changed the dates with the credit reporting agencies to make it appear this is a new debt. I was suppose to refinance my home this month and I paid {$500.00} for an appraisal and now my credit score is to low to qualify for a {$600000.00} mortgage. I want it removed.