WillisBack/dataset-financial-user-claim huggingface dataset:
PayPal sent me an email on X/X/18 that said they were sending me an " Annual Error Resolution '' notice and how to proceed with handling errors or unauthorized charges on my account. I have not used PayPal for money transfers recently, so this was an alarming email to get ; I interpreted this email to indicate there may be identity theft or someone was using my account without authorization. They included a link to their website ; I tried finding answers on their website but it was not easy to use. I called several times, and finally had the option of leaving my number for a callback. When my cell phone rang it said the call was from XXXX NE, but when I answered the phone I did not understand what the other person was saying, but she did indicate she was in the XXXX. I believe this is a highly misleading business practice, and I have only become more concerned knowing that someone on the other side of the globe has access to my account information. I want PayPal to immediately close any accounts I have with them, delete any and all of my information and never contact me again for any reason. They need to be much more clear and upfront about exactly why they are sending emails, and if they are going to do business with Americans they need to get some American customer service so we can have trust in exactly who we are talking to and why. I am suspicious if PayPal was hacked and ID thieves have access to sensitive information?
The loan is with 1st heritage of XXXX la. It was made back in XXXX before I lost my job. After getting a new job the consumer started to contact my office as well as management. A cease and desist letter were faxed over to them in XXXX. The consumer continues to contact my place of employment as well as myself.
We originally requested a payday loan from XXXX XXXX ( see original document sent my mail ) in XX/XX/XXXX The company misrepresented the finance charges associated with the term of the loan. We were originally told the cost of this loan was going to be {$1200.00} in interest above the original loan amount. Originally the payments came out on our paydate as expected. The amount was large ( {$280.00} twice a month ), but we knew that payday loans are an expensive form or finance, so at first we just paid and did n't really check further. After three months of payments, thinking we must surely be close to payoff, I can no longer find Castle Payday online, it is now Big Picture Loans ( XXXX XXXX XXXX XXXX, XXXX ) I found this out because the payments on my check register no longer stated " XXXX XXXX '', but now " Big Picture Loans '' which did n't jive with the original agreement. Further upon trying to logon to the account, the company did not or would not publish the balance or payment schedule. Now two months later, they finally posted the payment plan and what a shock. This company is charging us 927.7664 % interest. By the time the loan is paid, it will have cost us XXXX!!!!!!!!!!! This was NOT what was represented and we do n't know what our legal rights are. We did NOT agree to this outrageous piracy. This is predatory lending. Please help! I have been told on the phone that Tribal Lending does not have to comply with Federal regulations. I 've already paid them {$3000.00} to date and the payment and payment due date keeps changing. It is no longer on our payday. This ca n't be legal. The " contract '' that says we agreed is not what we were told or given at the onset, the interest rate is DEFINITELY not what we agreed to and had we known that they consider themselves a Sovereign State, immune from federal regulation and claims ( you will be limited in what claims, if any, you may be able to assert ), we definitely would never have taken this out. We have used payday loans in the past and realize they are pricey forms of funds, but this is excessive and was not disclosed at the onset.
I spoke with Transunion regarding the inquiries that were deleted from my credit report and then mysteriously reappeared. They informed me that they would not be able to remove all of them and only removed XXXX of the XXXX. The reason they gave was because they were from a particular date, however, regardless of the date, these inquiries were removed and placed back on my credit report and I know this is in violation of my rights. The inquiries that remain on my Transunion credit report should be removed and not placed back on again.
Citi AAdvantage Business c redit card customer service people have engaged in actively discriminating against minority business owner customers in charging their annual fees, and purposely using very poor customer service approach to actively  mentally bully minority business owners f rom access to fair use of business credit cards. They use their skillfully trained abusing approach to force minority business owners to close their accounts after paying them the annual fees.     This should never be allowed in the business practice.     As a concrete example, please investigate  Citi  bank customer service people :  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX  in the South Dakota Center. In particular,  XXXX   XXXX  admitted that she lied during our conversation. She  deployed  mentally abusing tactic to bully me to close my account to reach her goal to get rid of minority business owners from fair chance to access business credit cards.
I am writing this in extreme frustration of Navient, formally known as Sallie Mae for their vicious and repeated robo calls during the tenure of my payback period. I have been repaying my loan to Navient for several years and on several occasions, if only a day late with the nearly $ 400 monthly payment that I was required to make, I would receive repeated calls ( up to 6x a day ). These calls would all be robots, all from different random numbers and states, all with no one to talk to, including repeated calls to my co-signer. Navient is the only loan servicer that I deal with that has displayed this type of what I consider industry misconduct. The calls are harassment, and ineffective ( there is never s real person on the line ) I am apparently unable to remove myself from these calls, and no way to negotiate an affordable payment. Navient has repeatedly refused to lower my monthly payment, so there were occasions I would be late ; which is why they would justify these repeated calls. I ultimately had to take out a loan to set up a recurring payment to keep it under control, so the calls and harassment at this time has haulted. Unfortunately I was forced to do this because I had no other way of catching up. I want to flag Navient for potential loan seekers or even those who are currently dealing with them. Stay Away if you can.
XXXX XXXX and XXXX XXXX ( XXXX ) calls me five or more times a day, leaving messages sometimes before XXXX XXXX. Im also getting hang ups for them. 
They have now contacted my brother who I am not living with, who I do not socialize with and are telling him to get me to call them.
Huntington mortgage made improper payments from my escrow account and has failed to return money to my escrow account despite multiple phone calls and complaints.
I paid XXXX XXXX  in full. 
This company tried to take another payment out of my account for XXXX . I  showed my bank that I paid the XXXX in full. The company sold my account to Nationnal credit adjusters and it ended up on my credit report showing I owe XXXX $
According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 
Bank of America XXXX XXXX
Quicken first committed bait and switch practices by stating I would get a full refund for a XXXX dollar deposit, when I did not receive the full refund I called to find out why, their terms and conditions state they can pull fees from that deposit. 
Quicken then assisted the appraisal company in committing fraud by stating repairs had been verified as completed when they had not, resulting another inspection. I submitted evidence and was able to get this XXXX fee waived. 
Quicken was caught in lies several times, they would tell me one thing about the process and then when I spoke to my realtor I found out the truth was entirely different. I believe this is because I am a first time home buyer with a small loan, Quicken tried to take advantage of me. 
And finally they are committing extortion. My closing was pushed back several weeks due to their mishandling and even though weeks ago I asked them to get a fee waived by the appraisal company because this company committed fraud in order to generate more income ( they claimed they did not have full access to property when all sellers, realtors, and I can confirm all keys were available at time of appraisal. ) They made no attempts to get this corrected until XXXX ( this was requested XXXX ) and now that I am at closing I was informed I ca n't close on my house if I continue to fight these fees. If I close on the house then I waive my rights to fight the charges. They know that I have no choice to accept the extra charges because I had been required to vacate my current residence XXXX. I feel they purposely waited and backed me into a corner where they could take the most advantage of me. As they push my loan farther and farther back I get closer to the point where my rate will no longer be locked in, and they will have the opportunity to raise it, I am afraid this is the direction this is headed in, and again I will have no choice but to accept it because I desperately need a place to live.
I have not been able to re-pay a student loan that I took out for my son, with the school that he attended. I spoke to representatives of the agencythat represents the school, XXXX XXXX XXXX XXXX, filled out all of their forms and sent them a request for a hearing. The hearing was denied and even though I said that I would accept arrangements to re-pay the loan on terms that THEY offered, they have only responded to me with another round of threats to garnish any income and the same forms that i previously filled out and sent to them ( that they acknowledged in declining to allow me a hearing ).
I have two hard inquires on my credit report with XXXX and Experian for credit cards or some other type of applications signed with my name in which I never applied for. 
The first one is with a used car company called XXXX XXXX XXXX in XXXX. HI XXXX ) XXXX, XXXX reported on XX/XX/2017. 
They would not work with me to investigate this hard inquiry. 
The second hard inquiry is with XXXX out of XXXX. GA ( XXXX. 
They issue gas cards for XXXX gas station that I never applied for and was reported on my credit report on XX/XX/2017. 
I have contacted everyone and still nothing has been removed even after writing letters and copies of my identification with my picture and signatures. 
I just like these 2 hard inquires of of my report since the rest of the inquiries are mine. 
None of these businesses or credit bureaus are willing to remove these two hard inquires that are not mine. 
Trying to build credit and I do not apply for credit unless I am trying to get a bank loan.
This company is telling me that in order to get out of default, they figure repayment plans with gross income and family size only. They wanted {$800.00} a month, plus the {$610.00} out in wage garnishment. The federal student loan website that a rehabilitation plan must be a " reasonable '' amount. I do not think this is a reasonable amount and would like some help with getting out of default.
On XX/XX/XXXX, a savings account was opened with {$25000.00} deposit into a Bank with the promise that I would receive an interest rate of 1.5 % and a bonus for depositing that amount of {$200.00}. At the time of opening I did not have the code, but the person opening the account said that it was not necessary, for she could verify the code number. In subsequent calls, the bank was provided with the code. Shortly after that, my wife also opened an account, and also made a deposit of {$25000.00}, but with the understanding by the bank that this deposit would not interfere with my earlier deposit. In a few days my wife 's account was credited with the {$200.00}. My account to date has still not received the bonus, despite numerous calls, talks with supervisors, and always with the statement by them that they are researching the account. One supervisor said that the research would be done by XX/XX/XXXX. On a call on XX/XX/XXXX, the representative said that he sees the notes, the fact that the code was provided, and that the person who made that statement was unavailable. On multiple occasions, we also told the bank that if there is a problem with both names appearing on either account, they can just remove the joint name. I was told this was not the problems. The person on that date promised me a call back on Monday, No call was ever received. 
There are recording by the Bank of all the calls.
As a homeowner a Chapter XXXX Bankruptcy was filed XX/XX/XXXX, and Discharged XX/XX/XXXX. Then my servicer was XXXX XXXX XXXX, I have entered tow ( XXXX ) separate Modification agreements XX/XX/XXXX and XX/XX/XXXX the current Servicer is DiTech. The Servicer refuses to sign the Re-affirmation Document. DiTech, has referred me to my attorney whom has stated the Bankruptcy was done correctly and it can not be re-opened at this time to include the Reaffirmation of Debt. The Servicer simply must sign the Reaffirmation Document however, DiTech refuses to sign the document. I am caught in the middle, I have made all of the payments under XXXX modification agreements on time, I am being penalized for an error that occurred unbeknownst to me. I think this is unfair and need assistance in this matter. DiTech insists on this being a legal matter and the attorney insists DiTech is not adhering to the process of simply signing the Reaffirmation documents. What do I do to get the help I need as a Homeowner whom is making my payments, but caught in a cycle. My credit report does Not reflect my mortgage at all.
I closed my accounts, both checking and saving, with Citi on XX/XX/XXXX at a branch in XXXX, but was notified on XX/XX/XXXX that my saving account was still open and that there was some leftover fees. I believe this was a mistake which should have been handled properly on XX/XX/XXXX.
I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is fraudulent, unauthorized and do n't belong to me. I never applied for a XXXX credit card account. The balance of {$4300.00} is fraudulent charges/transactions.
I have been divorced for 15 years. My son lives with his mom. She took him to the doctor couple of years ago. She forged my signature on the doctor 's paperwork. I was not aware she took him to visit the doctor, nor I received any bills since my address was not in the paperwork. I called the collection company Acctcorp of Southern Nevada and they said they do n't care that my signature was forge on the paperwork, and that I never receive a bill, I need to pay this collection because I 'm the father, and hanged up on me.
Wachovia became Wells Fargo.
Wachovia r  emoved $ from timed deposits to create  2  checking accounts without consent.
I am writing to request that the public record listed below ( and attached ) be deleted from my TransUnion credit report because it does not meet the XX/XX/XXXX XXXX  requirements ( PII ) in the Enhanced Public Records Standards. For a public record to remain on a credit report it must have the mandatory information of Name, Address, Date of Birth and/or Social Security Number. This tax lien doesnt include either a DOB or a full SSN ( only 4 digits are provided ). I filed a dispute directly with TransUnion but they didnt seem to be aware of the enhanced public record requirements so it remains on my credit report even though it does not belong to me. As a result, I respectfully request that the CFPB inform TransUnion that this public record needs to be removed from my credit report. 
Federal Tax Lien Account # : XXXX Date Filed:XX/XX/XXXX
Conns Home Plus collections calls my wife and I everyday twice daily or more on Sundays and Saturdays and Holidays.I have requested of them not call my home because of my wife is sickly and not call while I am at work. I asked them to call me after XXXX. I have explained to them that I am only two weeks past due and please stop harassing us I told them how my Job shut down for two week and I had to file Unemployment for those weeks. and my job called us back to work but that I will be behind. Even when I give them a day that I will make arrangement the pay.They still call and ask for my Credit card number or Post dated check. 

This Company refuses to give me an address or email to file a compliant.This company is the most unreasonable company I have ever dealt with.
Navient has had a glitch in their system for 3 years, which I just found today, that shows that I owe {$0.00} each month on a specific loan. Where in actuality, I owe a specific amount each month and am being charged a very high interest rate and they are just sitting there collecting the accrued interest and money that I will someday have to pay back. I called and asked about this issue and they told me that it shows that I owe a certain amount each month and that it is in fact a glitch on their part. I asked them if they are going to waive the past 3 years of interest it accrued unbeknownst to me and he told me No, that it was my fault for not catching it sooner and that it specifically tells me each month on my statement that that amount is due. So I pull up the statement and it shows the loan, but everything says {$0.00} and every time I would go and try to pay on those loans as a group, it would always tell me there was {$0.00} to pay on it. I just assumed that it was the loan I paid in full a few years ago and showing that I owed {$0.00} on it. This is not the first time that something like this has happened with them. They have repeatedly wrongly allocated payments and charged me late fees, pushed me into forbearance multiple times, denied my release of cosigner after they told me I would be approved, caused confusion from their terrible user navigation on their website and automated phone system, locked me out online, and now this shady business of a " glitch '' in their system that they claim is my fault. I wish I would have never done business with them. It 's funny how easy they make giving you money and how hard they make it to repay them. They have caused so much stress to my life these past 5 years and I am currently seeking how to not have to do business with their company anymore.
XXXX XXXX XXXX is reporting to the credit agencies that my account is charged off. I disputed the accuracy of my account status with the Credit agencies. I also contacted XXXX XXXX XXXX who had stated that due to my account being past due in XX/XX/2017, they will not update my account status even though Im current. How can a company report the account as charged off but still have current payments. I am not past due on my account.
White man came to my property at XXXX XXXX XXXX XXXX at XXXX XXXX walked up the driveway took pictures of my ( the ) vehicles ( license plates ) in the driveway, walks to the door, and places a envelope ( attached ) to the front door screen. All this is taking place as my folks that reside at XXXX XXXX ' XXXX XXXX year old son is observing on surveillance video while watching TV. He asks the white man what he 's doing as he walking away from the front door down the driveway again, taking pictures of the front door, and car license plate in the driveway. Gets to the end of the driveway and answers the kid by hollering out " XXXX MOVE '' ... The kid takes the envelope from the front door, and gives it to his mother who gives it to me. The statement in the envelope says : Urgent Notice : Please contact your mortgage servicer immediately at : XXXX Thank You " XXXX MOVE ''
I was a US Bank credit card holder for over 12 years. During that time, I have never missed a payment and my account was always in good standing. Last year, I transferred the entire statement balance of {$4300.00} to a different credit card. This brought the balance to zero and I was finished with this card. 
Recently I applied for a home refinance loan and was denied due to a delinquency on my credit report. It was only then that I discovered that US Bank had marked my account as 90 days delinquent for charges of residual interest, which had nothing to do with the original debt. I did not receive any notification or phone call from US Bank stating that I had additional debts to pay off. I paid my monthly charges online through my bank 's bill pay system and did not receive paper statements in the mail. Had I known about these additional fees that caused the residual interest, I would have immediately paid them off, as my goal was to get out of debt to increase my score for a home refinance. 

Once I learned of the residual interest charges, I immediately contacted US Bank. I spoke to a customer service representative who told me to fax a letter to the XXXX at US Bank to explain what happened and to have them remove the delinquency from my report. A few weeks letter, I received a generic letter in response, which had nothing to do with my situation and they let me know that they were not going to remove the delinquency from my report. I called US Bank again and spoke to both a customer service representative and a supervisor. I asked repeatedly if I could pay them the residual interest charges, but the bank refused to help with the situation. I asked them if there was anyone at all that I could talk to or anything that I could do and they would not help me. 
It is extremely frustrating that a loyal customer of over 12 years has been treated this way. I have never been delinquent in any of my credit cards and have always paid on time. After I transferred the balance of {$4300.00}, there was no indication that anything else needed to be done with this credit card or that I needed to sign back into my US Bank account, as I ceased using this credit card. This is unjust and unfair.
I am a XXXX XXXX. In XX/XX/XXXX and XX/XX/XXXX I exercised my rights under the XXXX and XXXX XXXX relief act ( SCRA ) and applied for protection while XXXX. Soon after Transunion cut off all of my online access to my account claiming that I have a high risk of identify theft because I am a XXXX XXXX. While this may be well intentioned it is a violation of the FCRA and has served to prevent me from gaining access to my annual free credit report unless I write Transunion, thereby slowing down the request. I am no longer a XXXX and wish to have the same rights as all US consumers.