WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a new automobile loan with Navy Federal Credit Union on XX/XX/XXXX for the sum of {$35000.00} with included gap insurance. 

Mr. XXXX advised me that I can refinance my loan to lower my monthly payments since I was diagnosed with XXXX XXXX ; I did agreed to refinance the loan and I asked Mr. XXXX if I would still have GAP coverage on my car loan, he informed me that loan coverage and everything will remain the same except the monthly payment and loan expiration date! 

On XX/XX/XXXX I had a no fault Car accident and my car was total based on inspection by XXXX XXXX XXXX Claim Adjuster. 

The loan balance to Navy Federal Credit Union was {$14000.00}, on XX/XX/XXXX ; On XX/XX/XXXX, XXXX XXXX XXXX remitted a check in the amount of {$8800.00} to Navy Federal Credit Union leaving an outstanding balance on the loan of {$5200.00} which GAP insurance should pay the balance to close out the loan. 

I spoke to Mrs. XXXX on XX/XX/XXXX, and she informed me that I no longer had GAP insurance on loan # XXXX, and I will be responsible for the balance amount of {$5200.00}, because when Navy Credit Union refinance my loan Gap insurance was not included and Navy doesnt offer Gap insurance for a loan that is finance, I informed her how many times do Navy Federal Credit Union once to charge for GAP insurance when this was already paid on the originate loan. 

I am pleading to your organization to assist me in resolving this debt matter to come to a complete resolution! 

Thank you for your time and corporation in this matter! 

Sincerely,
I noticed a fee charged to my best buy credit card as Debt protection. I only use this card for large TV purchases and have the account set up on paperless billing and automatic payments so I rarely view my statements. I contacted Best Buy regarding this charge and that is when I was told that it has been on my account since XX/XX/XXXX when I opened my credit card with them. I advised them at the time when I opened this account that I do n't qualify for this services because I am considered self-employed as an independent contractor and declined the protection. I worked as an independent contractor from XX/XX/XXXX to XX/XX/XXXX. I believe that they falsely enrolled me into a services knowing that I did n't qualify for there benefits and by them enrolling me into paperless billing is an easy way that this charge goes unnoticed. There were numerous months were I did n't have an income since I was an independent contractor and work was slow I was n't given any information that these benefits I am extremely upset that I trusted this company that they would n't steal from me. I have since requested proof of my acceptance of this service and a full refund of all monies charge to my account. It is unclear how much I have been charged over the years since I do n't have access to view older statements online and I have always been enrolled in paperless billing. However if they charged my account without permission I have little faith that they will correct these matter to my satisfaction. If I have too I will seek legal action.
PayPal Transaction ID : XXXX On XX/XX/2018, an associate attempted to send me {$500.00} through PayPal, from her personal PayPal account to my personal PayPal account. PayPal offers a method of sending money using a recipient 's telephone number, which is the method used by my associate.

The {$500.00} went to another PayPal account holder instead of me.

The issue here -- besides still not receiving that money, is that PayPal seems to think it's okay to have one phone number for multiple accounts. If the phone number is the only account-identifying recipient information needed, the security of that money transfer is questionable.

Which account holder will receive the money?

Since this incident, I have spent several hours on the phone with them, and actually won a reversal of the {$500.00}, only to have that reversal rejected by their fraud team. Attempts to speak with their fraud team have resulted in being placed on hold for hours at a time.

The sender has had less success trying to mitigate this than I have.
My husband and I closed on our condo less than a year ago. One of the requirements of the closing with this mortgage company, was to reserve a years worth of Homeowners Association fees with them. We complied and set aside XXXX. It is listed on our HUD under Association Reserves. This was money that my husband and I had to come up with and hand over to them. The payments areXXXX due quarterly. The first payment was in XX/XX/XXXX. I received a letter and a corresponding phone call from the management company, XXXX XXXX XXXX, that they did not receive the payment. I called the mortgage company and explained to them that they have to pay this fee. It was required by you and money was set aside. After being transferred numerous times to many different departments, they realized they are required to pay this and sent out a check. They assured me that they would clear up the confusion on their end and when the next payment was due not to worry, they would pay it. XX/XX/XXXX rolled around and again the same thing happened. I called them and after more transfers and confusion I explained the setup again and they realized again that they have to pay the HOA for that month. This time I asked the girl if she needs the payment coupons I have so they have an address where to send the payment to and a contact person. She gave me the fax number and I faxed the documents over to them. Both the XX/XX/XXXX payment and the XX/XX/XXXX payment were a month late. I am now in XX/XX/XXXX and again I receive a letter from my management company that the dues were never paid. Again, I call the mortgage company. I am transferred three times, explain the situation three more times and the only response I get is " we will need to research this someone will get back to you. '' They patronized me, cut me off while I was speaking and hung up on me. Meanwhile, my dues are a month late again. I complied with everything they asked me to do. They have all the documents they need from both myself and the closing attorney that clearly states they are responsible for making the HOA payment from reserves set aside for this purpose. They have violated the terms of our escrow agreement and are causing us to be continually delinquent on the HOA dues. We were told the reason they are asking for a years worth of dues up front is so that they can pay them to ensure they are paid on time to avoid a delinquency, which is exactly what is continually happening.
I missed my XXXX Payment due to car problems that needed to be fixed. 
There is one payment in my Chapter XXXX as I filed XX/XX/2015. 
The people in Home Modification Department have kept my monthly payment in Unapplied Funds. On my XX/XX/XXXX statement it shows {$2100.00} in unapplied funds. My payment according to this statement was {$1100.00} yet they would not apply this amount as a payment. 
In XX/XX/XXXX I sent in Check XXXX in the amount of {$1500.00} which has been cashed at XXXX XXXX. To me this is not correct and my payments should be applied and not kept as unapplied funds. XXXX XXXX at Wells Fargo stated I had to be in this situation due to the fact all payments have not been met. Her number is XXXX Extension XXXX. I need help in with this As Soon As Possible. I did not want a loan modification just to get caught up on my loan. I feel strongly I have done that.
A Credit account or consumer loan account showed up on my credit report from Bank of America. I asked them to look up this account and they showed no record of this account from my social security number. 

I have never had a Bank of America Credit Card nor took out a loan. 

I have contacted XXXX, XXXX and XXXX, answered questions and filled out forms but no resolution. The name on the account i my Ex-Wife. We have been divorced for years prior to this account showing up. 

Please help me remove this as it is having major adverse effects on my credit.
I emailed XXXX XXXX to receive my transcript on XXXX/XXXX/XXXX. I was emailed back stating there is a financial aid hold on my account and asked to contact XXXX XXXX XXXX. I talked to XXXX XXXX and told her I did not understand why I could not receive my transcript because of a hold that she claimed I had on an account. XXXX XXXX stated that the account was sent to XXXX XXXX XXXX. I called XXXX XXXX XXXX and talked to several people at XXXX XXXX XXXX, the first conversation I was told I had a XXXX balance. The next person I talked to XXXX XXXX she told me the account was in dormant status and the account was returned back to Argosy University. I called XXXX XXXX XXXX for the final time, and I talked to XXXX XXXX XXXX and she also told me that the account was returned back to Argosy University on XXXX/XXXX/XXXX and the amount was XXXX. I checked my credit report and I have no charges on any of my credit reports regarding Argosy University.
On  XXXX   XXXX ,  2017  the compan y Portfolio Recover Associates, LLC. took  me to court regarding an account they purchased form  XXXX   XXXX   XXXX   XXXX   XXXX  for {$1100.00}. This was not my account as a result of identity theft. The day of court  XXXX  2017  the case was dismissed  by Portfolio Recover Associates. They continue to report this misinformation on my credit and refuse to remove it. They  continue sending me Dispute Forms requesting information from me from as recent at  XXXX 2017. They also sent me documentation Stating this account has been resolved and the current balance is {$0.00} and settled. They refuse to remove this from my credit. l left messages with their attorney  XXXX   XXXX  and she has not returned any of my calls. Can you please help me get them to remove this from my credit.   Regards,  XXXX
filed previous complaint with you. # XXXX. initial complaint settled. but after bank of america settled the fraud they lowered my credit limit in a retaliatory manner. it went from XXXX - XXXX. I BELIEVE THIS WILL FURTHER DING MY CREDIT SCORE. in the initial complaint i had REQUESTED SANCTIONS AGAINST BANK OF AMERICA FOR THEIR EGREGIOUS POLICIES. in the initial complaint they ADMITTED THEY KNEW MY ACCOUNT WAS COMPROMISED BUT FAILED TO STOP THE USE OF MY ACCOUNT. THEY RELIED ON A FORGED PASSPORT TO CONFIRM THE FRAUDULENT PURCHASE. they admitted they dinged my account for this FRAUDULENT PURCHASE AND TO ADD INSULT TO INJURY ALL BUT CLOSED MY ACCOUNT. i am enclosing their letter. 
first i HAVE NEVER HAD A DELINQUENCY! 
2 ]. THE ECONOMY IS ROARING. NOT SLOW! 
3 ] THERE WERE NO 'RELATIONSHIP ' PROBLEMS UNTIL MY ACCOUNT WAS HACKED!

4 ] B4 THIS MY CREDIT SCORE WAS IN THE LOW 800 'S! 
5 ] I DON'T HAVE ANY OTHER BALANCES ON ANY OTHER CARDS UNTIL THIS HACK 6 ] THIS WAS MY PRIMARY [ ONLY CARD ] AND THE BALANCES WERE PAID IN FULL MONTHLY! 
I DO NO BANKING WITH THEM OR ANY AFFILIATES AS THERE AREN'T ANY AFFILIATES IN THE AREA AND MY CHECKING AND SAVINGS ARE WITH LOCAL BANKS THAT I'VE DONE BUSINESS WITH FOR 40 YEARS!
Macy 's credit card credit collection calls me from XXXX different numbers ( XXXX XXXX XXXX and ( XXXX ) XXXX. The phone calls start from each number as early as XXXX and have been harassed by calls 5 times or more a day. I have arranged a payment date and am still being called repeatedly. The charge is for around {$100.00} and have never felt so harassed by a credit company in my life. This is starting to disrupt my personal life by being inundated by calls. One day the Ohio number called me four times in a row.
For many months now I have received automated calls to my number XXXX, often twice daily from the Synchrony Bank requesting contact with XXXX XXXX. I am not XXXX XXXX, I do n't know anyone by that name. XXXX XXXX has never lived on my address. I received my phone number about two years ago from XXXX XXXX XXXX Apparently it was a " recycled '' number and may at XXXX time have been the number for the XXXX family ; I also received many other calls intended for various members of the XXXX family, but the Synchrony Bank calls are the most annoying ones. My attempts to discuss the matter with Synchrony Bank have failed because when I respond to a call, the automated response asks me for the account number or other identifying info. which I, of course, do not have. When I called the main number and finally was able to speak to a live person, I was transferred to XXXX different departments and finally to the " Fraud Department ''. The connection with the " Fraud Department '' was so bad that I could not understand them and they could not understand me. At one point I was told that I have XXXX accounts with the Bank. I tried unsuccessfully to inform them that I have never had any account or any other dealings with Synchrony Bank. I also have tried call blocking through XXXX which gave me relief for XXXX short time but then the Bank apparently switched to another number from which to call me. So, the calls continue. I would greatly appreciate if you could communicate with the bank in my behalf. I am XXXX years old, have an outstanding credit record and feel I am being harassed by Synchrony Bank. My assumption that Synchrony Bank would eventually recognize that these calls are fruitless for them was mistaken.
Receiving calls from Oxford Law LLC making a claim that I have a debt of over {$29.00} from a line of credit I opened in XXXX with XXXX Bank. That is over 21 years ago, I remember no such account. In XXXX when this debt was supposedly incurred, I was living in XXXX. In XXXX I moved to XXXX and lived there for 10 years. In XXXX or XXXX I filed for bankruptcy in XXXX Court in XXXX and had my debts resolved. According to Oxford Law, they have been trying to contact me but have been unable to do so for years. Even though I have moved a XXXX of times, I have ALWAYS left forwarding addresses and have had no trouble being contacted by any other businesses. Oxford Law even called my exwife hasselling her to find where I live and how to get ahold of me. I was initially contacted in XXXX by XXXX XXXX XXXX a law clerk at Oxford Law who said she needed to verify my personal information, etc. She did not give an address to reply to or would not state specifically what the debt was for. I did not hear anything more for 2 or 3 weeks. Starting on XXXX/XXXX/XXXX a man called and wanted to verify my information. He did not identify himself, or state who he was working for and kept wanting me to make plans to start paying on the debt or a suit would be filed against me. I told him that I needed information from him such as name and address, company he works for, what his position is and told him that I have the right to question and demand verification of the debt. He said he would email me that information. That was XXXX/XXXX/XXXX and today is XXXX/XXXX/XXXX and I have received nothing email or otherwise. Tonight, on my phone I noticed he had called again but left no message. I attempted to call him back at XXXX and was sent to the company mail box and told to leave a message. When I tried to do so. I was cut off.
There is no way I owe XXXX XXXX XXXX I did pay for my final bill, This is inaccurate and false please help
XX/XX/XXXX-XX/XX/XXXX- US Bank trying to pass an XXXX charge to XXXX   XXXX when the charges were never reflected to present time XX/XX/XXXX to be repaid. Nor reflected for IRS as Escrow is. The Mortgage dept at US Bank failed to give me appropriate time to pay, never reflected in on-line statement each month for repay, nor in letter closing the mortgage in XX/XX/XXXX stating my new monthly payment with XXXX- nothing more.
this account was never delinquent this's my school loan please removed all late from this account please XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms 38 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 120 days Status Updated XX/XX/XXXX Balance {$2000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$56.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, PA XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$1700.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
XX/XX/XXXX2017- So I am wanting to take my virtual currency and transfer it to my wallet on my computer and save it there to where it is safe and when I do this it says I do n't have enough to transfer cause they wan na charge a network fee here is a screenshot of the transaction that I want done ... 




I have attached a pic of me trying to get my currency to be transferred to my Bitcoin wallet on my computer.. 



I put in {$20.00} with my bank and they say I wo n't get that for 5 to 7 days.. 

I also put in {$20.00} with my debit card I lost {$4.00} since I have had my currency in the market.. I want to now take what I have left and to put into my bitcoin wallet on my computer and this is the result they are robbing people ... If I had {$33.00} as you can see is {$18.00} for just a network fee.. This is absurd I want to take my money out!! So I now I will have no choice but to try to get my money back into my bank account which they will charge another {$1.00} fee so basically when it is all said and done they have robbed me and I just wan na get what I have left I am done with doing business with this company! But from what my friend says this is the only way to get my money into currency to trade with all the other cryptocurrencies there has to be other companies that wo n't XXXX us.
This collection company was contracted by XXXX XXXX to continue collecting and listing the 'debt ' on my credit report although I have underwent the process of shameful bankruptcy. The Federal court has already discharged my debts but this company still listed the collection on my credit report. I saw this in my Experian report and I am sure it is the same for the other XXXX.
I had an unauthorized charge of {$1.00} appear on my dormant credit card on XXXX/XXXX/16. I contacted CITI and they removed the charge and cancelled the credit card. When they issued the new card the transaction was re-posted on XXXX to the new card. I have attempted to contact CITI on XXXX occasions and still have not been able to get the charge removed. 
This has been the most frustrating experience. I feel that CITI 's actions range from either utter incompetence to criminal theft. I believe that these actions are systemically imposed to frustrate consumers to the point that they give up on attempting to collect the money owed. 
Contacts : Called on XXXX at XXXX XXXX for XXXX minutes. Disputed re-posted charge at time when I noticed the {$1.00} charge had been re-posted to account. 
Called on XXXX at XXXX XXXX for XXXX minutes. Follow up call where I was informed that dispute was still in process and must have been written on paper on XXXX and was n't entered into system until XXXX. 
Called on XXXX at XXXX XXXX for XXXX minutes. I was advised to call internet security because the charges were showing as removed in the customer service system. 
Called internet security on XXXX at XXXX XXXX for XXXX minutes. I was advised that the removal of the fraudulent charge had been reversed with no reason. 
Called customer service on XXXX at XXXX XXXX for XXXX minutes. I cancelled account and was again promised for the 4th time that the charge would be removed. The customer service representative stated that the case had been sent over to internet security.
in the month of XX/XX/2018 submitted documentation as proof i do not owe collection in the amount of $ XXXXIt has been nearly 3 months since the company agreed to remove collection and negative charge off continues to show as of today. I wish for this to be removed as promised
I do n't owe XXXX {$33.00} I do n't even have their service
My original complaint against Experian was on XX/XX/XXXX after I pulled my credit report on XX/XX/XXXX and saw that Experian was continuing to report a negative collection account after a company has already agreed to delete the item. XXXX XXXX sent me a confirmation letter on XX/XX/XXXX confirming they had already sent the request to the credit bureaus to delete the account. Experian responded on XX/XX/XXXX and stated that the account was not reporting when in fact it was at the time of my FIRST complaint. I would like for Experian to be held accountable for falsely reporting information and comply with the companys request to remove the debt.
I have had a loan through Westlake financial for a little over 2 years. Never had a problem till recently. I hit a little bit of financial trouble, due to my ex-husband not paying child support. I called them 2 weeks to explain why I was 3 months behind, at first they were understanding and told me to get a payment in asap, I informed the lady I would be doing it the first, she said that would be okay. Today I called to pay on my account and I was informed that had closed my account and charged it off and even though I offered them a payment, they refused said that I had to pay {$1000.00} towards the {$4000.00} that was still owed before the account was closed and they would work a payment plan for the rest. The last bill I recieved showed that I owed {$3800.00} left on my car. They would not explain anything and had not told me that they were going to this. They said they had called the past 2 weeks and left messages, I have no messages or calls from, they also said they sent mail, I did not recieve this either. I then asked them when will you be repossessing my car. I was informed even thought my account had been closed, my car was not up for repossession, I repeat they have closed my account, yet have not set me up repossession, it sounds very suspicious to me. I was very angry and upset, because they were very rude and ugly to me, and I did curse at them at the end of the call. I also discovered that last XXXX they had a lawsuit filed against them for their business practices, they are still doing unlawful and less savory business practices.
I made the payment via the internet but creditor ( XXXX XXXX ) does not want to recognized that payment was made on time. If they do not receive the money on time I should not be punished for bank transfer delays.
XXXX XXXX DELAWARE Made a new TransUnion Hard Inquiry to my account without my permission. For that reason I now have XXXX inquiries from that company, XXXX legit and XXXX that is not. The first XXXX XX/XX/XXXX is totally legit because this is when I requested the card from them. The second XXXX XX/XX/XXXX should not be here because I did not changed or requested any other credit card or similar from them. I tried contacting the Bank support and they would not help me take care of the negative inquiry reporting because they said it was not possible through the phone and needed to involve the Credit Bureau on this. So, I also called Transunion and they suggested that if the bank is not being helpful, that I should file a complaint on the Consumer Financial Protection Bureau. In conclusion, that last Hard Inquiry should not be there and it should be removed in a quick and easy manner.
I got a phone call from a company which claimed that they were associated with Chase. They claimed that they would on behalf of me to negotiate with bank to reduce my interest rate. The company asked me about the credit card numbers, zip code and social security numbers. They used their system to tell me my credit card balance. I suspect this company is a cybercrime.