WillisBack/dataset-financial-user-claim huggingface dataset:
The car was purchased XX/XX/XXXX from Darcar in Maryland. The car was XXXX, I gave them XXXX cash as a dowm payment, leaving me with XXXX to finance. Somehow I have had to pay off the XXXX over three years at XXXX. That totals XXXX. In XXXX, they repoed the car because I moved to New Jersey. I paid XXXX to get the car back. The car came back so damaged. I filed a complaint to fix the car, never resolved. 

According to XXXX XXXX, the car will not be paid for until XX/XX/XXXX, five months after what the Contract states. An additional XXXX. The last payment should have been XX/XX/XXXX, money she is claiming not to have received. 

On XX/XX/XXXX like each month, I allow XXXX to take the payment directly from my checking account. The company never informed me that there was a payment portal online, instead I gave all my banking info to an account manager who has full access to my checking account. I received an email on the XXXX of XXXX informing me that XXXX 's payment was not received. There is no problem with the account, the money is there. I have an email from XXXX confirming that she will take the money on XX/XX/XXXX .... This is her way of charging me late fees which has been a practice of the company. 

I would have paid XXXX for a XXXX car - XXXX for borrowing XXXX. Please look into this matter.
I have student loan debt that is now under review for possible XXXX forgiveness, but the complaint that I filed also seeks damages because of damage to my credit and I also seek refund of applicable payments or similar such amounts due to me. My original complaint only partially addressed my issues.
Receivable Performance Mangement LLC is trying to collect money, property, etc by using setting up a real estate scam in my name. They first started by buying undeveloped land in XXXX, Washington and then keeping the funds that they stole from my trust account @ XXXX XXXX XXXX XXXX.
I have XXXX debit card transactions that occurred a day prior to an ATM withdrawal ( ATM withdrawal resulted in an overdraft of the account ). However, the ATM withdrawal ( which occurred a day after the debit transactions ) posted to the account before the XXXX debit card transactions, so instead of an overdraft fee ( {$35.00} ) for the ATM withdrawal I received XXXX overdraft fees ( {$140.00} ). XXXX for the withdrawal and XXXX for each of the debit transactions. I called the bank ( Wells Fargo ) and spoke with a customer service agent and then a supervisor ( XXXX XXXX ). The supervisor repeatedly refused to provide contact info for his manager, or anyone above him, and repeatedly stated " We are all going to tell you the same thing ''. He eventually transferred me to a department so I could " file a complaint '', but when transferred I was asked to enter an extension from the directory and the line disconnected. I was given no such information from the supervisor who transferred me. 

I have researched the practice of batching the posts for the day and then posting the highest items first. I understand this is a " legal '' practice. However, the overdraft item ( ATM withdrawal ) occurred a day after the debit card transactions. So in my case, this should not apply. 

Which raises another concern. The supervisor I spoke with notified me that all three of the transactions were listed as " Credit '' and not " Debit ''. XXXX of these transactions are from a market right across the street from my employer. I visit this place almost daily and I ALWAYS select " Debit '' and enter my PIN. There is absolutely no chance that I accidentally ran it as credit. 

So the second component of my complaint is that assured " Debit '' transactions are showing up as " Credit '' transactions once processed. I have been told by multiple agents ( Wells Fargo customer service ) over the years that as long as I run the transaction as " Debit '' the funds will come out of my account immediately ( If ran as credit there is a valid delay in posting, depending on the merchant ). I have an inclination that the supervisor I spoke with may have been misleading about my transactions posting as " Credit '' in order to give a reason why the fees were valid, but I have no evidence or documentation to confirm this. 

To summarize, my bank has issued XXXX overdraft fees ( {$35.00} each ) based on the posting order of items. However, XXXX of the transactions were made when there were sufficient funds in the account. And further, the transaction that caused the overdraft occurred a day after the other transactions. I know my fees are relatively low for filing a formal complaint, but I tried contacting the bank for assistance and feel I have nowhere else to turn. Thank you. 

I called Wells Fargo on XXXX/XXXX/2015, approx. XXXX CST. 
The name I was given of the supervisor is XXXX XXXX.
My loan was transferred to PHH Mortgage Services in XXXX. My first payment was due XXXX/XXXX/17 with this new loan servicing company. I have not received ANY paperwork from this company so I went on-line the end of XXXX to sign up for Auto Payments. On XXXX/XXXX/17 I contacted PHH to get my account number ( which is required to enroll ) and was told they could not provide over the phone but would fax me my account number, even though they had no fax number on file ; I provided my fax number. It never arrived and I left town on business. Upon returning on XXXX, I again contacted them and confirmed my fax number ( correcting the associate several times with mistakes she was making when I asked her to repeat the number ) - again, no fax received with my account number ... My most recent attempt was today XXXX and I explained to the customer service person that my fax was an electronic service ( eFax ) which will provide a history that they did or did not send ; she FINALLY faxed my account number which I received before hanging up with them. I was told that the only person that could waive fees was a manager which I was told would call me back in a few minutes. This never happened. Now, with only a couple of days before payment is due, Making my payment by mail will not arrive in time and I can only subscribe to auto pay starting in XXXX so I am being forced to pay a {$7.00} fee for processing my payment. This would not have been necessary if my paperwork was handled properly. It is my strong assertion that this company puts their customers in a situation of paying fees above/beyond what payment is due as a course of doing business. At this point, I am looking for a refund of the {$7.00} service fee that I was charged. Thank you in advance for your time reviewing my issue. 
Regards, XXXX
Re modification states according to terms provide for interest rateand principal and interest payment adjustments. Was paying XXXX monthly 2 % interest. Now new interest 9.2 % new payment with principal and interest XXXX. New monthly payment including principal, interest and taxes XXXX.
I have a mortgage that was with XXXX XXXX XXXX. It has been sold around. I lost my job and then found another job. I tried to get a loan modification. Each time I was denied for bogus reasons. Now my loan is with SELECT PORTFOLIO and they are doing the same thing. Denying me a modification. My home was almost paid for and now they are adding balances and fees from everywhere. I requested validation of the debt and my payment history from SELECT PORTFOLIO, UNDER THE LAW OF THE FDCPA. I NEVER RECEIVED ANYTHING FROM THEM, YET THEY ARE THREATING TO FORECLOSE ON MY HOME. SELECT PORTFOLIO IS NOT ON MY PROMISARY NOTE OR DEED. IT IS LISTED WITH XXXX AS THE BENEFICIARY. A LOT OF MY FULL PAYMENTS WENT UNREPORTED. THIS IS WRONG. PLEASE HELP ME
My bank periodically does not allow me to log in to my account, and at times it takes up to 3 months before they are able to fix the problem. This lack of access to my account does not allow me to access information or make any transactions other than use my ATM card. I never had this problem under my old bank. It only started when that bank was taken over. From what I have been reading, the present bank has fraudulently been using some of their customers ' money to open unauthorized accounts. I have been told that I can make a wire transfer of funds, but that would cost me {$40.00}, which I would not have to pay if I had access to my online account. This appears like a way for the bank to charge me an unnecessary fee.
I have a XXXX mortgage, called an Equity Flexline account. For over a year, I have been charged a monthly " Past Due '' fee of {$9.00}. I have not made a late payment during this time. Every other month I call or go in to correct the error, every monthly statement shows the fee. I have twice paid the fee separately. I have XXXX receipt showing the fee paid. I also have a statement showing the submitted request id # made to correct the issue.
Regarding my recent late payments due to medical issues I am requesting late charges be waived and removed from my account. 
And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered. 

Respectfully, XXXX XXXX
Portfolio Recovery is reporting two different collections accounts as something different. They are listing themselves as a factoring company on one account and listed the account as open on another. They also stated that a payment was made in XX/XX/XXXX and a payment was NEVER made to this company. This is after I disputed the information with the credit bureas and they said every thing is correct. They continually change dates and remove accounts and put them back on a few months later. Now they are listing as factoring company and open accounts and they are both collection accounts.

XXXX XXXX XXXX XXXX SSN : XXX-XX-XXXX PORTFOLIO RECOV ASSOC XXXX XXXX Account Number XXXX  XXXX Account Type Factoring Company Collection Account Account Status Closed Open Payment Status Derogatory Account Balance {$570.00} {$570.00} Balance Date XX/XX/XXXXXX/XX/XXXX High Balance Business Type N/A N/A Classification Factoring Company Collection Account Company Sold to N/A N/A Date Opened XX/XX/XXXX XX/XX/XXXX Limit {$0.00} $ 0 Monthly Payment {$0.00} {$0.00} Percentage of Credit Used Terms N/A N/A Amount Past Due {$570.00} {$0.00} Responsibility Individual Individual Original Amount $ - - Original Creditor N/A N/A Date Last Reported XX/XX/XXXXXX/XX/XXXX Date of Last Payment XX/XX/XXXXXX/XX/XXXX Date Last Active XX/XX/XXXXXX/XX/XXXX Comments Seriously past due Dispute resolved ; date / assigned to customer disagrees attorney, collection agency, or credit grantor 's internal collection department Remarks Subscriber reports dispute resolved - consumer disagrees POR TFOLIO R ECOVER Y A XXXX Account Number XXXX -XXXXXXXXXXXXXX Account Type Open Account Account Status Unknown Payment Status Unknown Account Balance {$570.00} Balance DateXX/XX/XXXX High Balance {$570.00} Business Type N/A Classification Open Account Company Sold to N/A Date Opened XX/XX/XXXXLimit $ 0 Monthly Payment {$0.00} Percentage of Credit Used Terms N/A Amount Past Due {$570.00} Responsibility Individual Original Amount - - - Original Creditor N/A Date Last Reported XX/XX/XXXX Date of Last Payment XX/XX/XXXX Date Last Active XX/XX/XXXX Comments Remarks COLLECTION ACCOUNT
XXXX XXXX XXXX XXXX is currently reporting on my credit reports for Speedy Cash, the loan was assigned XX/XX/XXXX, I disputed it XX/XX/XXXX, the amount is showing XXXX, I have never done business with XXXX XXXX and I never had a contract with them, before I changed numbers they contacted me saying I was committing a crime and a warrant would be issued for my arrest.
I am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy and then what? I see the late payment on XXXX XXXX XXXX? I told the credit bureaus to fix it but they never did!. I hope you understand the dilemma I'm going through, CFPB please step up and fix this account
ISSUE : Request assistance in getting refunded {$420.00} of the full purchase price of $   XXXX  for Web Order Number :  XXXX   XXXX  WATCH  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Part Number :  XXXX .     Attempted to resolve issue directly with  XXXX  on multiple occasions from  XXXX   XXXX   XXXX . Then sought resolution by submitting request to open an investigation   XXXX   XXXX   XXXX  with credit card issue r (   See Attached FILE  XXXX  ). Credit Card issuer applied a temporary credit back to my account on  XXXX   XXXX   XXXX .  Below  is the last reply to credit card issuer in response to correspondence informing of action from response from  XXXX   ( See Attached FILE  XXXX  ).     NAVY FEDERAL CREDIT UNION Credit Card Chargeback and Resolution   XXXX   XXXX    XXXX   XXXX , VA  XXXX   RE : NFCU Correspondence Cre dit Card  Dispute  with  XXXX   Online  dated  XXXX   XXXX ,  XXXX  Request an extension to suspense to reply to keep case open stated o n NFCU correspondence referenced on subject line. I have returned from a trip to Florida and today opened the NFCU correspondence with a suspense t o respond by  XXXX   XXXX ,  XXXX .     Based on the evidence provided and  NFCU  correspondence dated  XXXX   XXXX ,  XXXX , I had no expectation of receiving any other action regarding this case and quite surprised o f NFCU r esponse to remove the temporary credit.      XXXX   Response  :  Dated   XXXX   XXXX ,  XXXX , states The customer also received credit in the amount of {$50.00} for the  XXXX  + for the original watch to the original form of tender. Also stated There is no record of the customer returning the  XXXX  Watch  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  Ny.      Rebuttal  : Evidence presented is self-evident clearly showing that both of these statements are false. I have provided invoice evidence that I have paid twice for the same  XXXX   XXXX   XXXX   Watch.  Simple question for  XXXX  is to show where I have been reimbursed for the remainder of the  Online Credit  {$470.00} minus the {$50.00}  (  which was refunded correctly to original tender ) of {$420.00}.     The evidence provided shows clear and unmistakable error by  XXXX  for non-refund of a returned  XXXX  product in accordance with  XXXX  Sales and Refund Terms and Conditions listed under  XXXX  tandard Return Policy  XXXX  Watch Returns.      My expectation is for  NFCU t o fairly act, based on the preponderance of facts provided, to make temporary credit final to fully reimburse my account for the returned  XXXX  product. If this action is not resolved based on the evidence provided I will seek resolution from the   Consumer Finance Protection Bureau ( CFPB ).
Your assist  ance in this matter is greatly appreciated.
I contacted XXXX XXXX XXXX on approximately around XX/XX/2018 to set up a payment plan to start paying this debt off. I offered $ XXXX  monthly and the personnel on the phone refused the amount unless a larger sum was paid upfront. I explained to the representative that I did not have that type of money to make a large sum payment. He refused to take the {$150.00} and said that legal action would occur. I try to contact agency back a day later without success.
Opened a Capital One account in XXXX to utilize XXXX as well as keep my main bank account away from auction transactions or anything else I sell online due to having XXXX just steal over {$2000.00} from me and send to someone in XXXX ( filed multiple complaints on this incident and received not one response ). 

I had several XXXX transactions and also several paychecks deposited into the account. For no reason at Capital one said the account was fraudulent and locked it down. It was froze for over 2 months and had several more paychecks deposited before i got my direct deposit changed. 

They just sent me a letter saying that they sent all funds beack to there original source. I'm now bankrupt.
I received a telephone solicitation from XXXX offering to handle our credit card processing at my business. I asked if the agreement was cancel-able and was told yes. I received equipment from the companies provider and one of my employees set it up and started to use it, but I disconnected it, and called XXXX to cancel. All equipment was returned to First Data. It took many weeks to get XXXX to cancel and in the mean time my bank account was charged for lease payments. I called First Data Systems to tell them I had cancelled but was referred back to XXXX. First Data is now trying to collect XXXX dollars for the cancelled lease. I requested they stop withdrawing payments from my bank account but they continued to do so I finally got the bank to quit accepting their debits. First Data have turned this over to a collection agency who says they will charge us XXXX dollars to settle and garnish our accounts.
I sent numerous letters to XXXX, XXXX, and Transunion detailing the fact that my identity had been stolen and that fraudulent accounts had been opened in my name and reporting on my credit report. Despite the many certified letters I sent that was n't returned to me and the phone calls nothing has been corrected. I contacted XXXX and waited 1hour and 30minutes for someone to initially tell me they have n't received anything. Once I told them my certified receipt numbers she conveniently found some of my information but supposedly not all of it. I asked her how was it possible to get some of it but not all? She could not adequately answer my question. My name and SSN came up in the XXXX Breach as well as the XXXX Breach but yet no one wants to remove the inaccurate information. I sent letters to both the creditor and the reporting agencies. I reported fraud alert years ago nothing was done. Did it last year nothing was done. And when I finally talked to the representative she told me my police report was n't good enough. I said well what more do you want me to do? She was very nasty to me and not concerned about me the victim.
XXXX XXXX XXXX, dispute its still under investigation 5 month as of today
The medical debt Global Receivables Solutions, Inc. is trying to collect from me is from XX/XX/XXXX and XX/XX/XXXX. At that time I was married and the grantor was my ex-husband. I was under the impression that this debt was paid in full. Global Receivables Solutions, Inc, first contacted me via letter XX/XX/XXXX. I requested proof of debt and received proof XX/XX/XXXX. 

I agreed to pay {$30.00} monthly XX/XX/XXXX to put a stop to the harassing phone calls. The first payment was made on XX/XX/XXXX. 

According to our filed divorce agreement, my ex-husband is responsible for all debt accumulated during our marriage. 

Since the divorce has been filed with the courts and the courts acknowledge that my ex-husband is responsible for this debt, Global Receivables Solutions, Inc. needs to cease the harassing and inaccurate demand letters. 

Global Receivables Solutions, Inc. 's collections practices are illegal. They do not have the right to make up false agreements or reports and then report false agreements and negative reports with credit agencies just because they purchased the debt from XXXX XXXX Hospital. 

Global Receivables Solutions, Inc. has been sending letters stating that a payment was setup in the amount of {$500.00} due by XX/XX/XXXX. This is false. A payment plan in the amount of {$30.00} monthly was established. I have contacted them and they stated that they would correct the issue. Today I received a notice stating I owed them {$1600.00} due to the fact that they did not receive agreed payment. Another false letter. 

I have been treated badly by several representatives from this agency, ranging in severity from rude to downright hateful. Both their poor treatment of people who try to cooperate with them and their unethical collections practices led me to filing this report.
I have asked Midland to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Citibank Credit Card has been negligent in protecting my credit card against fraud and unauthorized charges. 
In XXXX XXXX fraudulent online purchases were made on my credit card totaling {$3000.00}. Citibank did not catch these charges. I had to notify the company and request the card be shut down. While I did receive credits for the fraudulent purchases it was not without inconvenience as any company with the card on file for automatic purchases had to be notified. 
It is now XXXX XXXX and the same thing has happened again. Fraudulent online purchases were made on my new credit card on XXXX XXXX, XXXX totaling over {$1000.00}. My brand new card that was just issued has been shut down again and a new one has been issued. 
I now have to update my credit card number with all of the merchants that have my card of file for automatic purchases. 
I have been a customer with Citibank for almost 20 years and this has happened many times. However, Citibank informed their customers that since the new cards had the " CHIP '' technology, our cards would be better protected. This is not the case. 
Citibank is not providing adequate security to protect their customers from credit card fraud and must be held accountable for the inconvenience it is causing their customers. Simply crediting their customers for the fraudulent charges is not enough. More of a deterrent is needed so they will invest time and money into better technology to prevent thieves from obtaining credit card numbers to begin with.
this account is paid off and the reason was not paid because working with credit to help me pay off all my bills Debt Relief Companies
On XXXX XXXX I purchased the counterfeit item through XXXX where the seller was based in Texas, USA. I received my package from XXXX and the seller is located in XXXX. I paid $ {$730.00} to XXXX. XXXX and XXXX did not approve my complaint - instead they took money from me and will eventually pay to counterfeiters in XXXX. Both entities support Counterfeits in XXXX. Here is info on XXXX : Funds will be available to your recipient on or before : XXXX XXXX, 2016 The payment will be credited to the recipient 's XXXX account. The recipient will be able to access the funds according to the terms of their XXXX User agreement. This should not impact the shipping date or any agreement you have with the seller.
( 1 ) I have a XXXX XXXX card through Synchrony Bank in XXXX, FL. On 3 of the past 4 billing statements, there have been charges to XXXX XXXX totaling {$80.00}. I do not own, and have never owned, an XXXX, and I did not make these purchases. I have timely disputed every XXXX charge in writing, and, at Synchrony Bank 's request, I signed a fraud investigation form certifying that I neither made nor authorized the XXXX purchases. Today, I received a letter from Synchrony Bank advising me that I owe the XXXX charges, because I " released account information to a third party. '' The letter did not identify the third party to whom the bank erroneously claims I released my account information. ( 2 ) Also, I disputed other aspects of the charges to my account, and Synchrony Bank still has not addressed those disputes. ( 3 ) Synchrony Bank has been charging me monthly interest and late fees on disputed charges in violation of the FDCPA.