WillisBack/dataset-financial-user-claim huggingface dataset:
I am currently sick, receiving only a percentage of my salary through a XXXX policy. Because of my illness and lack of funds, my checking account became overdrawn. Santander bank has charged me XXXX overdraft fees in the amount of {$35.00} each, for a total of {$350.00}. I called Santander bank and they agreed to remove only XXXX of the XXXX overdraft fees. This is an outrageous punt of money and it is discriminatory and predatory against someone with a XXXX.
Loss of a job, car broke down. Now they're calling my friends and sharing with them my debt information. I have the voicemail to share
In XXXX I contacted the company that was servicing my student loan and requested a payoff amount. I was given that amount and paid the balance I was given as the payoff amount. Ten years latter I was contacted XXXX stating I had an out standing balance and with interest had grown to a large amount of about {$3000.00}, they started collections. I can honestly tell you I did not receive ANY correspondence regarding this outstanding student loan during the time period of XXXX. I was monitoring my credit report and never did anything appear on my credit report. In XXXX after I started receiving notices of collection from XXXX on a student loan I assumed was paid-off. I started digging into this matter with XXXX and found out that I was given the wrong payoff amount. Since I was provided the incorrect pay off I tried to negotiate with XXXX to pay the balance only that was outstanding, not the interest that had accrued. I had a meetings with XXXX in XXXX, wrote numerous letters to the XXXX governing agency 's to work with me on this matter and except some responsibility for the error. At each turn I was told I had to pay the full amount. I was not going to pay the full amount plus interest because I had already completely paid the loan off XXXX the full amount I was given. Now 14 years latter I am still battling against this student loan and accruing interest. Not one agency that has been involved with this loan is willing to acknowledge they was an error made in XXXX that has caused me countless years of trouble. I need to find out what agency or person I can speak with that will look into this matter and make the determination that in XXXX I paid the payoff amount I was told. And yes that amount was incorrect it was not your fault. Pay the remaining balance that was due in XXXX and this student loan will be considered closed. I have always been willing to pay the original outstanding balance I just am not willing to pay any of the accruing interest. I was not hard to find in XXXX, XXXX XXXX and so on ... .. 
I am at my wits end. I currently am on a IBR plan and called once again to see about just paying the original outstanding balance. I was told ; wither you pay this loan or not at some point in the future we WILL get our money from the government. Great incentive to work with people who might be in similar positions. Or maybe I am the only XXXX in this type of position. 
Hope there is some guidance or help out there for my situation.
I received an email offer from XXXX  for their XXXX  Rewards VISA card on XX/XX/XXXX and again on XX/XX/XXXX. The offer stated that if you applied for the card byXX/XX/XXXX, get approved, and spend {$200.00} in net purchased with 40 days, you would receive {$100.00} cash back automatically. I responded to this offer prior to the deadline, was approved, and spent significantly beyond the {$200.00} in 40 days. After the 40 day spending period, I would check my monthly statements to see if the credit had been placed. By the time I received my XX/XX/XXXXbilling, the credit had not been placed on my account. I called their credit card customer service on XX/XX/XXXX and they have no record of that offer that I had signed up for in their records database. I was instructed to provide a letter and a copy of the original email offer to them via fax, which I did later that same day. I received a response letter dated XX/XX/XXXX ( the next day after receiving my documentation ) that they were denying my " ... request to apply for a different enrollment offer. Unfortunately, we are unable to change your enrollment offer if your account has been open longer than 120 day. Therefore, since your accounted was opened on XX/XX/XXXX, we are unable to process your request. '' This was not what I asked for. I simply asked them to honor their offer as I had meet the terms of the offer. I called the credit card customer service today, XX/XX/XXXX, and spoke to two representatives, the 2nd of which was a supervisor. They stated that since it was now past 120 days since the account was opened, they could not honor the offer. I asked them what I could have done differently in order to insure that XXXX  Rewards would have honored their end of the offer. They stated that I should have been more diligent and checking to see if the credit had been applied and should have called in to speak to customer service. Really? I am expected to babysit them to insure they honor their own terms and conditions? In the conversations with customer service representative, at no time did anyone say that I actually did not meet the terms of any condition of the credit card offer. What they did do was cite their own internal policies that no one outside of their company would have any knowledge of. The supervisor person said she could approve a {$50.00} credit in order to meet me " half way ''. I told her I would take that but that I still was not pleased that they were not willing to honor the offer originally sent to me of which I meet all the terms and conditions. They took a hard stance that this was the " best '' they could do.
Reference my CFPB complaint, ID # XXXX, to Check into Cash INC., submitted on XX/XX/XXXX ; and Check into Cash INC. response to this CFPB complaint on XX/XX/XXXX. 

In XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX reported a Delinquent Account in Collection, from Check into Cash INC., to all three Credit Reporting Agencies. The First Date of Delinquency for this Collection Account is showing as XX/XX/XXXX. In my above referenced CFPB complaint, I requested Validation of this Collection Account from the Original Creditor, which is Check into Cash INC . In their response, Check into Cash INC. stated that the Delinquent Account has been recalled from XXXX XXXX XXXX, XXXX XXXX XXXX ; and my outstanding balance is forgiven. They also Validated the First Date of Delinquency is on or before XX/XX/XXXX, which was when they FIRST sent this Delinquent Account into Collection. 

Per the FCRA, based on the XXXX XXXX XXXX XXXX XXXX, which is on or before XX/XX/XXXX, this Collection Account is over 7 years old, therefore TOO OLD to be on my Credit Reports. XXXX XXXX XXXX, XXXX XXXX XXXX should have never sent this Collection Account to the Credit Reporting Agencies. 

Since Check into Cash INC. is the Original Creditor, they should furnish all three Credit Reporting Agencies { XXXX XXXX XXXX XXXX  } with  the Validated Date of First Delinquency, which is on or before XX/XX/XXXX. Additionally, XXXX XXXX XXXX, XXXX XXXX XXXX, and/or Check into Cash INC. should have this Collection Account deleted from all three of my Credit Reports.
In XX/XX/XXXX, I took leave and went back to XXXX after completing XXXX school. While I was out there, I was introduced to a man named XXXX XXXX by my cousin 's boyfriend at the time. XXXX told me he would be able to help me build credit and get my credit score over 700 within a years time. He told me to apply for a credit card and an auto loan with Navy Federal. 

I applied for both and in a couple weeks the credit card was mailed to my cousin 's address in XXXX XXXX. The vehicle loan had also been approved and was mailed to my cousins house. XXXX took the mail from their address, used the credit card to make various purchases in XXXX and XXXX and forged my signature on the check to from the vehicle loan to buy a used car for {$14000.00} which I later found out to be a XXXX XXXX XXXX. The last time I heard from XXXX was around XX/XX/XXXX when he told me to report the credit card as lost/stolen and make payments on the vehicle loan he had pulled out and claimed he would take care of it in a few months. I fully realized he was using me for his own personal benefit and would likely just disappear leaving me with the debt ( which he did ) So I filled out a report at XXXX XXXX and tried to clear the debt with the credit agencies. He also applied for a {$5000.00} personal loan from a company called XXXX XXXX which I later found out was done entirely online without any accounts linking the loan to him. 

Ive been dealing with this issue since XX/XX/XXXX with no avail. Navy Federal insists that I am responsible for the debt because I filled out the applications and was scammed by someone Ive met, even though my signature was forged. XXXX is holding me responsible for the debt because I made the mistake of saying I would make payments to get them to get off the phone initially the online application was filled out while I was still in California. There are also hard inquiries that was not authorized by myself that are still on my credit.
Transition file # XXXX My name, data of birth, address, phone All have wrong info. As well as my inquiry of report, and documented violation
The lender Cashnet USA explained that the payments based on my credit line would be {$95.00} per week. The first 2 payments were {$95.00} then increased to over {$230.00} per month. I tried to contact them to discuss but was on hold for over 2 hours. Also request a call back. I received a call back in 10 minutes ans was put into an automatic voice recording and on hold for another hour
I am receiving robocalls from Maury Cobb Debt Collection via a XXXX ( XXXX VA ) number directing me to their toll free number. 
I am receiving credit reports as a result of the OPM breach and have had other credit reporting due to agency and military breaches. 
I consider these phishing expeditions and have seen reports on harassment sites reporting this group as engaging in these tactics. 
Is there anything that can be done to stop this predatory practice?
I have had a Best Buy Credit Card with Citibank for years. I did fall behind but caught up and have been making monthly payments on this account, trying to pay it off. Citibank continues to charge a {$59.00} annual fee and over the limit fees each month to my card. I have called them and requested they cancel the card. They are now calling me day and night, not leaving messages, just calling, letting the answering machine catch the call, then hang up, sometimes XXXX 4 times in a row. This has become harassment. They even call on Sundays all day. I was in a car accident in XXXX, 2016 which left me XXXX. I am still working as much as I can to pay off my bills but have missed a lot of time at work and therefore limited pay. ( letter attached )
I am a victim of identity theft. I checked my credit report and found that this company has submitted a request to view my credit report without my consent. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed.
On XX/XX/XXXX went to a Capital One Bank cafe to make a payment to prevent my account from charging off. I place {$30.00} in the machine well I never received a receipt showing that the payment was credited to my account. I went over to tell an ambassador which is there version of a customer service person. I told them about I was told to call Capital One Banks customer service on Monday morning. I called customer service that Monday they told me to go back to the branch its there problem they have nothing to do with the servicing of the machines. I went back to the branch and I was told its an customer service issue. I'm in Massachusetts Capital One Bank dose not have full service branches if they did this most likely would not have happen or it would have been handle better. This is a mini branch inside of XXXX 's XXXX XXXX  they have several locations in the XXXX area. The issue is my account has charged off.Now I owe money on the credit card that is not the issue the issue is the {$30.00} payment to avoid the charge off never posted to my account the machine never printed out a receipt showing that the payment. Now Capital One Bank has sent me to an collection agency. I spoke with XXXX on XX/XX/XXXX I mentioned that there should be security footage for XX/XX/XXXX the day the payment was made a long with the other times I went back to XXXX 's XXXX XXXX.
My mortgage on my renal property was sold  by one com pany to another in   XXXX   XXXX   XXXX     and I was under the impression that I needed to mak e two mortgag e payments to the new lender in  XXXX , as they were taking over the loan as of  X/X/16   . Because of the mix-up on my part, I missed my last payment  (   XXXX   XXXX   ) with  the previous lender and they reported me to the credit bureaus as being 30 days late. As soon as I realized my mix-up, I m ade two payments i n   XXXX   to the new lender to bring the loan current.     I had never been late with my previous lender, so I called and asked them to do a goodwill adjustment to remove the 30 day late because it is impacting my ability to refinance my current home.
Cavalry Portfolio Services has an open collections account listed on my credit report, which is of an old debt that was closed. Cavalry Portfolio Services relentlessly calls me ( both home and cell ), my spouse, my in-laws, my parents, my deceased grandfathers home ... multiple times per day. They have been told by multiple people to stop calling, and they continue to call.
Paypal has limited my account based on activity that they claim is " inconsistent with their user agreement ''. In doing so, they removed a total of {$37000.00} and are holding it for 180 days. Below is a timeline : XX/XX/XXXX - Paypal sends an email notifying me that I can not use Paypal anymore. I am not given the option to appeal or provide further information to dispute my case. 

XX/XX/XXXX - Paypal removes {$9000.00} from my XXXX  XXXX XXXX account without my approval, cause me to momentarily overdraft XX/XX/XXXX - Paypal removes {$27000.00} from my XXXX XXXX XXXX account without my approval XX/XX/XXXX - I call Paypal customer service to resolve the issue, am transerred to XXXX, employee ID # XXXX and am told that there is nothing I can do to appeal and that there is no way to escalate my case beyond sending a letter to the legal department. Also told there will be no reasoning provided and no evidence supporting the supposed unauthorized use of my account. Told that Paypal is allowed to " hold any amount of money for the " amount of time that Paypal deems necessary '', which in this case is 180 days. 

I feel that Paypal has helped themselved to a free 6-month loan. My business plans are completely ruined thanks to Paypal and I'm now responsible for any interest on those funds over the six month time period. 

My account with Paypal is under my email address XXXX.
I have been receiving harassing, threatening and XXXX threats telephone calls from creditors in regards to accounts and debts I do not owe. I am a victim of identity theft. The following accounts are unauthorized, fraudulent and do not belong to me : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, U.S. Department of Education
I submitted a dispute on this website with CFPB over unfair hotel holds on my card after checking out during the XXXX week in XXXX FL and that has led to retalization on XXXX XXXX XXXX card status. I have had this card for over 22 years and they made a decision to disallow my PAY OVER TIME feature of this XXXX status card. 

The reasons listed by Experian in the letter sent by XXXX XXXX are fraud and it has resulted in XXXX XXXX underwriters taking away benefits that I just paid {$550.00} for in Card Fees. 

Please have XXXX XXXX reverse their decision.
On XX/XX/2018 I had a charge on my Bank of America Checking account, the transaction details are listed below. 

Transaction Date : XX/XX/2018 Merchant Name : XXXX XXXX XXXX Amount : {$1500.00} Transaction type : Debit Card At first I have contacted the merchant, the merchant realized that this transaction was fraudulent and agreed to refund the transaction. The merchant requested me not to dispute the transaction because it will cost them huge fee and can also get the merchant credit card terminal suspend, they assured me the refund should be in my account in a week or two. 

Since the merchant was very responsive so I waited for two week for the return to process. After two weeks the merchant totally stops communicating with me. So I finally filed a fraud claim with my bank. Claim No. XXXX And a police report was also filed. 

Bank of America, denies the claim saying that since the claim was filed two weeks later and with in those weeks there are other small valid transaction in the account. this was the reason they provide me for the denial. 

I have asked Bank of America, by a fax that can they verify some question with the merchant and provide those answer to the police to aid this investigation but I have not heard from Bank of America yet. The Question are as listed below ( I will copy past a paragraph from the fax that I send ) " I have already faxed a copy of the police report and as well as some other documents. 
I would need more information about the transaction to help the police officers find the criminal. And that information also would help identify this transaction as fraud. 

1. What was the transaction for, service or product? 
2. List of items or services purchased? 
3. Does the merchant have any contract or agreement or any signed document or a signed receipt or signed invoice from the purchaser? 
4. How were the goods or serviced delivered? Is there a tracking information or shipping address? 
5. Can the merchant identify the purchaser, Name, Address, emails, ID, phone call record, shipping address, signatures, etc.? 
6. What attempt did the merchant take in order to verify that the purchaser is the card holder? 
7. What billing and shipping address was used for this purchase? 
8. If there was anything that was signed {$1500.00} is a huge amount for any merchant to process without proper verification, and it is a really huge amount for me to lose as a victim of fraud. I kindly request Bank of America to help the Police Department of XXXX County with all those information ASAP so the officer can perform the investigations. 
I also kindly request Bank of America to re investigate this mater asap on the mater. " I believe everything that I have asked the Bank to verify is very reasonable, but Bank of America doesn't want to see or hear anything, they are just sticking to there story and keeps repeating me the same thing over and over again. 

I really need serious help, please some one help me, please help me from this trap, please help me get my money back.
I received an inaccurate bill from Fay Servicing, stating that I owe {$1000.00} for XX/XX/XXXX for {$370.00}, XX/XX/XXXX for {$370.00}, and then a late fee amount for {$330.00} which they had in a suspense account of some sort. They tell me this amount was from the previous servicer for 30 late payments. I never had 30 late payments with the previous servicer. Also on the back of this same bill it saysXX/XX/XXXX- LATE CHARGE WAIVED IN THE AMOUNT OF {$330.00}, but then they added it back onto the front of the bill, and are stating I now owe {$1000.00}. 

I want this erroneous amount of {$330.00} credited to my account, as I do not owe this amount. 

Please help me.
Equifax allowed hackers to steal my personal financial information due to their ridiculously insufficient security. What U.S. Senators were having a hearing to weaken regulations on Equifax and similar companies just before this security breach? Thank you XXXX XXXX XXXX
While attending XXXX I took out a student loan with RILSA ( Rhode Island Student Loan Authority ). I recently heard in the news that XXXX under went a lawsuit based on late fee 's they charged. RILSA is charging 6 % of the payment that is due. I feel that 6 % is excessive, as it equates to roughly 10 % of my yearly interest.
On my credit report, I have a hard inquiry by XXXX, whos description is National Credit Cards/Airlines. After calling XXXX XXXX, they kept giving me the run around, tons of transfers to different specialists, and finally given a fake number to call. Tried to get back in touch, a different operator told me the only thing they can do, is to have me call the bureau ( XXXX ) whom told me to call XXXX XXXX   and get an inquiry deletion letter and mail them the copy with numerous other things. Although XXXX XXXX will NOT give me one since they do not know me or have an account with me. 
Also, they have no clue about the description National Credit Cards/Airlines so that just made everything even more confusing. Im in a circle of being told to call people over and over.
On XXXX XXXX, 2017, Equifax notified the U.S. public that it mishandled Personally Identifiable Information of all its U.S. customers ( including me ; I verified this at their emergency website ) by not investing into proper cybersecurity products, was hacked, and is pushing the burden of fixing the issue onto customers.
This is infuriating - in the U.S., Equifax collects information from you if you do as little as apply for a job, so there was no consent to the collection of my information and certainly no consent to the criminally negligent storage of this information without proper security.
While Equifax is offering free credit monitoring for the next year to all affected, to verify your eligibility to sign up for that monitoring, you must : ( 1 ) Wait several days, which opens the door to your credit becoming trashed through no fault of your own and requiring you to take steps to fix it, when literally every other U.S. customer pursues the same remedies ( 2 ) Consent to an arbitration provision that is legally coercive, unenforceable in many jurisdictions, and likely in violation of the Federal Arbitration Act, basically amounting to trusting the same company that was criminally negligent again
i took out a {$400.00} loan in XX/XX/2017 and have made {$120.00} payments on time biweekly since that time. XXXX weeks ago I contacted the company inquiring how to pay down the loan and was informed that any additional payments made at the same time as the original payment would be applied to the principal. I have been paying {$120.00} plus an additional {$200.00} for the last to payments and to date only {$37.00} has been applied to the principal. The company states that they have no way to apply the additional payments to the principal therefore they apply the entire payment of {$120.00} to interest and XXXX to principal from the additional {$200.00}. To date I still owe {$810.00} from a {$400.00} loan the principal has been reduced less than {$40.00}. The interest is 699 %. It would seem that if the entire original payment is applied to interest then there is nothing but principal remaining for the additional payment to be applied to. It is also contrary to what I was informed the process would be. I would not voluntarily pay additional money for additional interest payments. As of now I am paying {$120.00} plus an additional {$200.00} per payment for XXXX in total to be applied to the original loan amount of {$400.00}. I have been informed that I will pay the loan off earlier than anticipated in XXXX if I keep this rate up. Wow!
Equifax is saying " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''