WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017, I hired XXXX XXXX, freelance translator and editor, to edit a literary work, and I sent her {$35.00} through PayPal. However, when I reviewed her online resume on XXXX, I noticed she didn't have experience editing literary work and the next day I emailed Ms. XXXX, canceling my project. I sent a copy of the email to PayPal 's Resolution Center. 

An hour later, Ms. XXXX emailed me a partially edited version of my article. I informed her I was not satisfied with the quality of her work. After I paid her, she stated that she was not completely qualify for the job. 

Here is her response : " Over time, I believe you will be better served by a person who specializes in literary editing. 

I then reinvested in a literary editor, Mr. XXXX XXXX. He edited the entire article and said the previous editor [ Ms. XXXX ] had done a very poor job. He also corrected basic grammatical errors Ms. XXXX had overlooked and ones she added to the text. 

I asked Ms. XXXX for a partial refund. She replied by email : " Are you threatening me? I am shocked at that behavior. Why would you want to turn me into an enemy? Get a grip. If you wish to pay me, send me a check and I will release the amount on PayPal when I have it in hand and deposited. Otherwise, let 's end these communications. I have tried to help you and have only gotten trouble for my efforts. Enough. Let 's both move on. '' Due to the poor quality of her work and inappropriate behavior, I requested a full refund through PayPal. PayPal ruled in her favor, even though I explained to one of their representatives that I had evidence of her poor work, customer service and her lack of experience editing literary work. PayPal never requested me to send the evidence.
My loan was originally with XXXX XXXX and had been recently bought out by Freedom Mortgage in XX/XX/XXXX. I have received nothing but horrible service from them so far and nothing has been accomplished since my initial request on XXXX/XXXX/15. On XXXX/XXXX/2015 - I emailed a request to remove my PMI to XXXXXXXXXXXX and attached a copy of an appraisal I paid for that is from an accredited appraiser. They told me I would receive a response from them within XXXX hours. I have received no such response. I called in on XX/XX/XXXX, they told me that it is under review and could take a month to process. I waited a month and called XX/XX/XXXX. I was told that they did not have a copy of my appraisal so they closed the case. All this time I have yet to receive any mail from them letting me know any of this information, this correspondance was from me having to call them to follow up. The representative I spoke to told me that she didnt know why they said they didnt have the apprasial when she could see it attached to the email, so she opened up the case for me again. I waited and still no correspondance, so I called again I believe it was on XXXX XXXX or XXXX. I spoke to a " XXXX '' she told me that she sent an an email requesting an update and she was to call me back on XXXX XXXX to give me an update. I had no such call back. I called again on XXXX XXXX and spoke to a XXXX, she would not give me her last name which i figured they did n't want to be responsible for any calls they take in. Anyway, I asked to speak to a XXXX at this point and was very frustrated that I have been given the run around. She send me to a voice mail box of XXXX XXXX, because apparently he told her he was too busy to take my call. I left him a detailed voice message and had no return call back from him. I called today XXXX XXXX to ask for update and to let them know I have yet to hear back from XXXX. Apparently I was not important enough to get a return call back. The Rep told me that she did see some notes on the system today from a team lead named XXXX requesting an approval to remove my PMI and that the turn around time was Wednesay XXXX XXXX. I asked to speak to another manager, she transferred me to XXXX ( not sure of spelling ) his employee ID # XXXX. He was the only one to give me his employee # and ask for him next time if i have any further questions but told me he would call me on Monday XX/XX/XXXX once he hears back from XXXX. 
My payments have always been on time, so I 'm in default, just trying to understand why it is taking so long to get this accomplished. This experience has been nothing but horrible and would n't want anyone else to go through this. Looking any help I can get to remove this PMI. 

Thank you!
I attempted to pay my rent in XXXX 2017 with the BillPay function that Bank of America provides. Apparently the check was stolen and cashed. I still had to pay my rent that month, so I had to write another check. Bank of America gave me a credit for the stolen amount, but it was a 30 day temporary credit. 

Every month since Bank of America has let the temporary credit expire, with no warning or notification. I end of checking my account balance, seeing that the credit has expired, and calling them to reinstate it. This has happened every month, and although individual customer service reps are sympathetic, they all say there is nothing further they can do. One rep told me to " pretend the money is n't really in your account ''. 

This is money that is mine, that I trusted Bank of America to send to my landlord, and was stolen.
I contacted the company XXXX on XXXX. I never authorized them to pull my credit. They did so anyway. They would not remove the inquiry. They wanted me to do a police report saying I was a victim of fraud when they did this to begin with. My credit monitoring service experian had to open a fraud claim on my behalf. I am filing this report as well as the ftc to cover all my angles.
In XXXX of XXXX a XXXX XXXX XXXX I cosigner for was totaled. After insurance paid there portion Honda financial still had a XXXX balance. But she this car was purchased directly from.honda we also purchased gap insurance. Which covers the difference between what is owed and what insurance paid for. Honda financial has reported this account 120 delinquent and has now labeled it as a collection account and a chargenoff for there company which is highly inaaccurate.
I contacted my credit card company to get on a plan to pay off some outstanding debt on a closed card. We agreed on a {$15.00} min monthly payment down from {$25.00}, but interest is still being charged, meaning that I can only pay less than {$10.00} a month altogether. Is their anything I can do to stop the interest from piling up?
On XX/XX/2013 I purchased to coolers, from Sears, to be picked up. They told me I had up to a year to get them. When I went to get them several months after, I was told the new manager sent all items back to the warehouse and refunded those cards. I check all my statements from XX/XX/2013 to current and found no refund from those purchases on it. I contacted Sears several times and was told they would investigated then get back with me. I have not heard from Sears store nor Sears customer service. At this point, I want either the refund or the coolers.
I have tried for over 6 months to obtain a free copy of my credit report. Trans Union has refused to send me a copy. <P/>I ordered a copy and have not received it to this day.
On XX/XX/2018 my Chase debit card had an un authorized transaction in the amount of XXXX, which I reported that same day that it happened. I told my bank that I work In XXXX XXXX and that I had been in XXXX XXXX all day that day, The transaction took place in XXXX XXXX. They told me that after they did there fraud analysis that it did not seem like fraud to them, so I appealed there decision. I gave them proof that I work in XXXX XXXX as well as game them my HR phone number, and i even included a pay statement showing that I worked my full 40 hours that week. They has me call the vendor were the unauthorized transaction was made, the vendor told me my bank has to deal with it not them. Then I went and filed a police report since I do not know what else to do, since I was no where near XXXX XXXX that day and I should not have to loose my money.
My name is XXXX XXXX XXXX I have several inaccurate names on my credit report please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. 609 FCRA My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies I demand to see the contract, separate agreement or proof or claim affidavit for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Payment for transaction XXXX / {$100.00} for bitcoin was made on theXX/XX/XXXX/17 and it still sitting in pending. I have tried to contact and email support on multiple occasions and received no response. Coinbase case number XXXX
I purchased a vpn box thru a website called XXXX On XX/XX/XXXX and of today I have not yet received my product. Paypal was contacted and claim number XXXX was open in which this was their response : Case ID # XXXX has been closed Dear XXXX XXXX, After further review of the claim you filed against XXXX, we have determined the issue you have described or the merchandise or service associated with this transaction is not covered by PayPal Purchase Protection. As a result, this case has been closed and we 're unable to take any further action. 



Transaction Details Case number : XXXX Seller 's name : XXXX Seller 's email : XXXXXXXXXXXX Seller 's transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : - {$250.00} USD Your transaction ID : XXXX For detailed information on what is covered by PayPal Purchase Protection, you can view the PayPal User Agreement, which you accepted when you created your account. Simply click Legal at the bottom of any PayPal page. 

Please note : Records of all cases are kept in the Resolution Center for your convenience. 

Sincerely, PayPal Copyright ( C ) XX/XX/XXXX-XX/XX/XXXX PayPal. All rights reserved. 

PayPal XXXX I feel Paypal has bypass somehow some banking agreements and has failed to recuperate my money while no goods or services were rended.
I have contacted Equifax, XXXX, and XXXX on numerous occasions, both by phone and mail, and tried to have them explain to me how they are verifying these erroneous reporting accounts as accurate, and they always reply with, " we obtain our information from XXXX and the XXXX system for these accounts. '' XXXX and the XXXX system are NOT the original creditors to any of these erroneous reporting accounts, and their reporting should not be counted as " verifiable ''. If these 3 bureaus can not give me satisfactory information and provide me with written proof of the creditor they talked too with complete phone number, and written proof with the name of the customer service member that they obtained the information from, or written proof of the clerk of courts name and telephone number, and written proof that they talked with him/her, then they are in violation of FCRA 611 and MUST DELETE these erroneous accounts from my credit report!!! I am a litigious consumer, and if these accounts and hard inquiries are not removed from my reports immediately, I will sue these bureaus for violating my FCRA rights!!!
My bank paid out {$5000.00} to someone that I do not write my check for without contact me. I do not have {$5000.00} in the account. The bank left my account in negative of {$1300.00}. I contacted the bank when I found out, I filed police report. I called the bank several time. The case has been over 40 days the bank is not resolving the case. The name of the bank TCF Bank in Minnesota.
On XX/XX/18 I called Bank of America to ask for help in lowering my payment or my interest rate. I have a large amount of debt and am struggling to even make the minimum payments, which are all going to interest. I have had this debt for multiple years along with another large credit card from another company and now a car loan payment. They said that my interest rate was the lowest they could do, without even asking any questions and said there was nothing they could do to help and suggested I look into a debt consolidation company.
I have challenged all XXXX credit bureau agencies, to collect the right data, there is a serious of problems that my credit bureau, continues to allow creditors to review my credit and make inquiries, without contacting me for my personal id number having Fraud Alerts activated. These inquiries, has caused some severe issues and lower my credit score tremedously. I have not authorize them to review my credit without my consent, nor was a phone call ever made to me to address the validity of the inquiry. If these features are turned on, why are they being allowed to enter my credit report and make inquiries without my permission, in addition, there are many accounts on my credit that are not sustained by said creditors, the account were not open at the time stated either, all these have been challenged and continued to be challenged, the effort is becoming endless and I have now resorted to your organization for assistance, since I was immediately helped in the past with a greater issue regarding my mortgage, and the resolution was amazing. Thank you
I attended an XXXX program in XXXX and took out student loans. Upon graduating and beginning repayment, I was often contacted by customer service given XXXX amount owed ( $ XXXX/month ). I was not aware that this XXXX amount I was told was outstanding, represented the balance of XXXX loans. Therefore, when I had financial issues and could not repay, one missed payment represented XXXX negative hits ( XXXX for each loan ). While missing 7 payments over the course of 4 years is not good, it is far worse that each loan was reflected as non payment ( XXXX negative marks ). I was never told I had the option to pay some loans, which resulted in lower payments. And while some would have and could have still been delinquent, all XXXX loans would not have been. I believed all the loans came from institution, and therefore there was only one payment due.
The following accounts are more than 7 years old. They refuse to remove in the statutory time frames required by law. These items were included in a bankruptcy which is more than 7 years since since the discharge date. 

1. Account Name XXXX XXXX Account Number XXXX -- Discharged through Bankruptcy Chapter Status Updated XX/XX/XXXX 2. Account Name XXXX XXXX  XXXX XXXX Account Number XXXX Status Updated XX/XX/XXXX 3.  Account Name XXXX XXXX XXXX Account Number XXXX Status Updated XX/XX/XXXX 4. Account Name XXXX  Account Number XXXX Status was a account opened via fraud, company will not remove. 

5. Account Name XXXX XXXX Account Number XXXX Account Type Credit card Status Discharged through Bankruptcy Chapter XXXX/Never late. 
Status Updated XX/XX/XXXX 6. Account Name XXXX XXXX XXXX XXXX Account Number XXXX More than 7 years past the original date of XXXX 7. Account Name XXXX XXXX XXXX Account Number XXXX Status, more than 7 years after date of last debt issue, was included in bankruptcy
On XXXX XXXX, 2016 I received an email from Bank of America, stating that they will start applying a monthly maintenance fee on my checking account. This after I have not had to pay a monthly fee for years, in exchange for an agreement to only use their ATM 's for deposits and withdrawals ( i.e. no counter service ). I have sent them a letter of objection and a copy of the email by USPS. The banks website ( and this email ) offer no opportunity to reply via email, only a postal address in XXXX, FL. I will be happy to send you copies of same. Bank greed once again ... apparently still many loopholes in the Consumer Financial Protection Act that they can drive trucks through.
XX/XX/ -XX/XX/XXXX these are the dates i have contacted and disputed with XXXX  about this public record. to verify this account they have not given me any information on verifying the account. They continue to send me my credit report stating they verified the account. and its correct.
Two years ago I had a lot of XXXX work done at the XXXX XXXX XXXX. The amount exceeded my deductible, and the staff there offered to set me up with an account called Care Credit with Synchrony Bank. She did all the paperwork and did a somewhat poor job explaining the terms to me directly after some pretty intensive XXXX XXXX For the past 24 months I have been paying the minimum balance as per our agreement. Each month, the bill states how many more months remain until the balance is paid off in full, if only the minimum is paid.

InXX/XX/XXXX I received my bill, and after paying off more than {$10000.00} of medical debt, I saw that I only had XXXX  remaining. I paid the minimum balance and noted, according to their chart of the front page of the bill, that in 3 more months my balance would be paid off. Further down in the bill on the second page, there in fact is a warning about the promotional APR expiring, but this information is ( seemingly ) intentionally left out of the body of the bill that informs you of your balance, and how many more months of payments you will have to make. It would be simple enough to include this information in the body of the bill as opposed to on a second page buried in fine print.

The next month, I was charged the deferred interest for the entire original charge to my account, over 3000 dollars ( about 25 % APR ) although it was completely paid off at that point aside from a few late charges. Although there had been several late payments, my account was never delinquent anywhere close to 30 days.

The next bill I received showed that, paying the minimum monthly balance, it would now be 16 months, not 3, until my balance was cleared if I continued paying the minimum. When I called they refused to work with me to address the issue.

Upon doing some online research, I learned that 2 years ago there was a class action lawsuit against them for the same practices. I have good credit and have no need for these predatory type of credit card practices.
they have been calling me for over 6 months. they call me Monday through Friday and during the hours I am at work which are unfortunately the same ones they probably work. my name is not on my voicemail. they have been told to stop calling me. XXXX will all one day and act like my buddy via vm. she will then call me back and start being ugly and demand I call her back. Usually I am called minimum twice a day. today XX/XX/XXXX XXXX called me twice from XXXX XXXX XXXX. she called me at XXXX XXXX and XXXX XXXX and left me voicemails both times. this is common and harassing me and I wish for it to stop and have told them on a couple of occasions to cease and desist but they still keep calling. It needs to stop. Once a day is sufficient and when I am not working I will pick up the phone. Sometimes a third  call is placed from a blocked number.
My house is set to be auctioned off through foreclosure on XXXX XXXX. I am only a few payments behind, but my mortgage company Nationstar has played hardball with me and not allowed any options to fix this problem. I am only {$5000.00} behind on this loan ( about 4 payments ) and am back working again so I do n't see why they have to take this extreme measure and not even give me a chance to fix the problem. I bought this house in 2010 because I had a good job with steady income. I was a XXXX and had been gainfully employed for 23 years. I never dreamed I would find myself in this situation. My company shut down last summer and suddenly I was out of work. Unfortunately I was living paycheck to paycheck and did not have much saved up. I applied for unemployment and benefits, but received less than {$1000.00} and just could not get caught up on the mortgage. The good news is I am back working and can afford a fair and reasonable payment again. The problem is that Nationstar will accept nothing less than the full past due amount. I have been called by their agents who have threatened foreclosure, and I have told them that I want to be considered for assistance through the available programs. They tell me that they will send out paperwork to complete, but it is never sent. I have tried to get Nationstar to open a review but ca n't make ANY progress. This is beyond frustrating. I am less than {$5000.00} behind on this loan and I make enough money to figure out a fair solution. But the problem is that Nationstar has no interest in a fair solution, they just care about foreclosing on my house. I thought I deserved a review of my current finances and expenses in order to determine what options may be available. NONE OF THIS HAS HAPPENED and my house is supposed to be sold this week. I need help!!!
I purchased XXXX BTC From coinbase.org on XX/XX/XXXX. I went to check my account on XX/XX/XXXX and because I no longer have access to the cell phone number I originally signed up with, I cant access my account. 

I reached out to their support and they have not come back with a response. Last response received was XX/XX/XXXX Hi there, Thanks for contacting us on this, Im sorry for the account setup difficulty! Our ID verification partner may be having some difficulty verifying the information on your account. Ive reached out to them for help with a resolution on this issue. 

Ill get back to you as soon as I have an update. If everything checks out your account will be ready to go. Thanks for your patience in the meantime! 

I followed up at least 3 times since then but have not received a response. 

Please help!
Citi financial called my home when I was n't there. Upon returning home, my boyfriend told me that Citi financial called to collect on a debt from Home Depot that had not been paid in 2 months, the amount missed, and the amount needed to pay to bring the account current. This account was personal. He did not know about the account and I did not want him to know about the account. I feel like they violated my privacy by sharing my personal information with someone other than myself.