WillisBack/dataset-financial-user-claim huggingface dataset:
I paid XXXX XXXX $ 30USD for computer/Internet related services. He was to log into my game account and tweak my " game '' to give me better options and play. He took the money but never delivered the services. The payment was made with my XXXX XXXX card via PayPal. I attempted to dispute the charge with both PayPal and XXXX XXXX but neither would help because they do not recognize the transaction as being for " goods and services '' XXXX XXXX is a freelance gamer who accepts payment via PayPal. 

Sent to : XXXX XXXX ( The recipient of this payment is Non-U.S. - Verified ) Email : XXXXXXXXPayment amount : ( in currency funded ) - {$30.00} USDYour fees : - {$0.00} USDYour total charge : - {$30.00} USDPayment amount : - {$30.00} USDXXXX XXXX fees : {$0.00} USDXXXX XXXX receives : {$30.00} USDDate : XXXX, 2015Time:12:48:38 PDTStatus : CompletedFunds will be available to your recipient on or before : XXXX, 2015Note : The recipient can send or spend the full amount on this date. If the recipient wishes to withdraw money, limits may apply. 

Subject : You have sent {$30.00} USD to XXXX XXXX with PayPalFunding Type : Instant TransferFunding Source : {$30.00} USD - XXXX XXXX XXXX Checking ( Confirmed ) XXXXBack Up Funding Source : MasterCard Debit Card XXXX
Weber & Associates has sent a second collection notice dated XX/XX/XXXX for a medical bill that was paid on XX/XX/XXXX. An e-mail was sent on XX/XX/XXXX after the first notice stating the  medical bill had been paid. They have ignored that e-mail.
I do not have a signed contract nor any contract with Sherman Financial Group. I have never done business with this company. I am not Liable for collection for this debt from XXXX XXXX XXXX. I am not responsible for this debt with Sherman Financial Group.
Upon review of my credit report, I see that there is a collection account for XXXX. The last time I reached out to the collection agency I requested detailed documentation ( validation ) of this debt that I owe, meaning under the FDCPA, I am entitled to the following information : Agreement with the creditor that authorizes you to collect on this alleged debt, the agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, complete payment history on this account along with an accounting of all additional charges being assessed. If the above can be provided to me in writing, I will be more than happy to negotiate a settlement, in turn I want this item removed from my credit report.
I opened a Blue Business Card.

Amex said I have 15 months of 0.0 % interest on balance tranfers and new purchases.

Instead they are charging me 15 % interest.

I have called about 5 times to solve the problem.

They say they are investigating. .. but it has been 4 months.
This company continued to send debt collection documents for an individual that I do not know, to my property address, after I returned their mail. Please ask them to stop.
For months now, Navient has continued to improperly bill me for Private Student Loans that have been paid off. Following some refunding they did re : an earlier issue in XXXX of this year, in XXXX, they missed billed me for {$600.00}. After a couple of calls to them, a refund of that amount was set up, and the XXXX Navient Rep. I called in this regard guaranteed the he made the needed changes to their automatic billing system so that the incorrect billing would not reoccur. But, on XXXX XXXX, it happened again for that same amount. After several phone calls, I was told that, supposedly, the refund for XXXX had been approved and is was awaiting for their Monetary Department to make it happen. Today is XXXX XXXX, and the refund still has not arrived. I am having a hard time deciding if it is their plan to stall and hold onto such moneys for their financial gain, or if it is simply ineptitude. Either way, shame on Navient!
Went to SSA to retrieve Personal Information from said site! ... Had to answer Security Question, 4 of  them, and marked the NONE OF THE ABOVE, on all of them, and was locked out by the SSA website, because the Verification could not be verified ... So, I decided to goto the Annual Credit Report! ... XXXX, no issues ... Equifax, same information, get tapped with the same 4 questions on Equifax as the SSA website! ... Locked out from my Own FREE ANNUAL CREDIT REPORT! ... Then I checked the XXXX, and got 2 of 4 questions right ... I called Equifax and the dude I spoke with said that he could do nothing for me and that he would send out my Report, however, he did not address my issue as to why I called ... Any Information that does belong on there or belongs to someone else! ... I want to be able to see this information that is picked up by any third-party verification processor! ...
TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX ****XXXX XXXX XXXX ****XXXX XXXX ****XXXX  XXXX ****XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX  {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX {$830.00} ****XXXX
Like 143 million other Americans, my credit report information was hacked on Equifax in XXXX 2017, and  the public was not made aware of the issue until XX/XX/XXXX. This hack displayed gross negligence on the part of Equifax, opening myself and millions of other people open to risk of identity theft due to the leak of social security numbers and personally identifiable information that could be used to open up fraudulent credit accounts. I do not believe that Equifax has responded appropriately to this leak, considering they failed to disclose that they were hacked for six weeks before offering a solution of free credit monitoring for one year. Credit monitoring will not prevent someone from opening my account, and even if it did, my social security number and other data will not change after one year. After the " Free '' year of credit monitoring expires, I would still be open to the same level of risk as I am today solely  because my personal information was not sufficiently protected.
I had a private student loan through Mohela back in XXXX-XXXX. In XXXX I reached out to Mohela to discuss payment options. I was having my first daughter and had to put her in daycare so my wife and I could work. I needed to lower my student loan payment to pay for daycare for my daughter. I could not get MOhela to budge. There was no offer of assistance programs, or any discussing on the issue. They needed xx amount of money a month and that was it. I had to default on my loan because I had no other option with my student loan company and they were not willing to help me. I was willing to pay, I just needed to pay a lower amount. Fast forward to XXXX. This loan was taken through the court system and my checks are being garnished every paycheck because of a loan that I tried to pay but could not afford to pay and could not receive any help from the lender. Years later, when they reached out to me when the loan went into final default I still could not get them to budge or provide any payment assistance. This garnishment has affected my family greatly. This loan has affected my family greatly.
I contacted Equifax to submit a dispute of N account on my credit report called XXXX XXXX  due to identity theft. I waited 30 days to wait till my dispute was finalized and they told me that the reason they couldnt get t removed wa because the creditor witch is acceptance now verified my name and social security number witch made no sense to me because if someone stole my identity to open up an account of course they have that information. I later contacted the federal trade commission to explain my situation and they gave me an affidavit to submit to Equifax along with my police report so that I can get the account suppressed and in that affidavit it says they have four days to suppress they fraudulent information.I contacted Equifax on XX/XX/2018 to see if they updated my credit report and they told me that they cant remove the account until they submit another dispute witch we already did and they said that it would take another 30 days even tho the law says they only have Four to make the adjustments to my credit profile. The Equifax employee was very rude and disrespectful over the phone with laughter and rude comments witch made me feel like nowbody cared or had any compassion whatsoever about the situation. One of many employees name is XXXX and his employee number is XXXX
I have been disputing these two account for about a year with no success. I have sent supporting documents and get the same results. The furnisher has not been reporting accurate information. The credit bureaus have not verified the furnishers reporting base on the documents I sent. Also the account history has been modified. The first delinquency date has been changed which is against the law. The furnisher of the data is XXXX XXXX XXXX.Account number XXXX and XXXX One of the Credit Bureaus Transunion has deleted account XXXX due to the age of the account. according to the law you must report 100 % accurate information. The balance is inaccurate and the history is inaccurate the first reporting date is inaccurate the account is close this not a new account which the furnisher reports as new. The credit bureaus response this account has been verified as accurate how when the the history and my supporting document clearly show discrepancies. The credit bureau must verify all information before publishing This has hurt my credit standing please investigate
I filed a complaint with CFPB and the response did not address my issue. I have sent several emails to  XXXX   XXXX  regarding my missing payment from  XXXX   XXXX . I have sent over a copy of my bank statement confirming that the payment was received b y GM Financial. M y final payment should have been in  XXXX   XXXX , but I am still showing a balance of roughly {$1100.00}, which are late fees from the payment that they claim is missing. This payment is not missing ; it was received and processed by  GM Financial o n  XXXX   XXXX ,  XXXX  according to my bank statement. The responses that I am getting from  XXXX   XXXX  have been lies ; she never had a manager reach out to me to discuss this further. The remaining amount due needs to be adjusted to reflect the fact t hat I NE VER missed a payment on this loan.
At XX/XX/2017, I switched insurance carriers from XXXX to XXXX on both of my cars. For some reason, XXXX kept charging me even though I was no longer with them. I recently discovered that XXXX XXXX has been reporting the debt as a collection on my credit reports, but there shouldn't be any debt to collect on. I have tried to dispute it to them ( CCS ) informing them that I was no longer insured with XXXX and shouldn't have been charged, but they just verified it as accurate and kept it on my credit reports.
I had a credit cards previously that were charged off. I filed bankruptcy in 2013 that discharged all of these debts. Portfolio Recovery Associates is now trying to collect on one of those debts even though all were included in the discharge. I have sent them a letter telling them to stop calling me but they keep calling.
Disputed with company directly as well as with Credit bureaus Numerous times requesting validation AND verification of debt via certified mail and online disputes tool. 
Each came back verified with out proof even with an attached FTC report of Identity theft. It has been months and most recent request for verification is now past 30 days without the requested verification. I have also filed a FTC report due to this not being verified because these are not my debts. 

-COMMONWEALTH FINANCIAL SYSTEMS
DON`T LET A BULLY MANAGER RUIN YOUR DAY! 
I`ve been a customer of Chase Bank for many years, my family members and I have several account with chase Bank including Chase Investments . 
I walked into the XXXX branch # XXXX to withdrawal {$1000.00} to deposit into a XXXX account. After I withdrawal the money, the Banker named XXXX XXXX said, " you can make the external transfer here, you don`t need to go to XXXX. '' I then remembered I had already set up an external deposit for this account a while back, just had not used it yet. 
He started the process of transferring {$1000.00} from account # XXXX move it to a checking at XXXX # XXXX on XXXX/XXXX/16. The XXXX, XXXX XXXX told me I would see it deposited within 24hrs! I tought Good! He knew I wanted to see the deposit right away. 
The next day XX/XX/XXXX I could see it on the chase account but XXXX had no record of it. 
I called the branch talked to XXXX XXXX he was helpful and concerned. He called the processing center at chase and stayed on the phone with me, after along hold the associate told us the deposit transfer would take 2 days not 24hrs, I should see the deposit on XX/XX/XXXX.Check back in the morning ... 
On XX/XX/XXXX, Wednesday at XXXX I called the XXXX to check, they had no record of it processing. I then called the branch back talked to the manager, XXXX XXXX, who laughed at me for being so angry about the situation. He argued with me, telling me he heard his Banker say it would take 2 days to complete the process, he was stand near by listening to our conversation, they had done no wrong. It was my problem! 
My intention coming into the bank was to withdraw the money to walk it in to XXXX so it would appear the next day so checks could go through. I was offered a different approach to my usual deposit from XXXX XXXX. The money never made it on Wednesday which would have been 2 days. I`m dissapointed with the manager, XXXX XXXX , he should have been more concerned as to why the deposit has not shown yet then to place judgement on a customer who is very worried about the {$1000.00} taken from her account. 
The manager, XXXX proceeded to check on the situation, putting me on a long hold, on his end he said he was calling the processing center. I asked him where and who he had talked to, he gave me a name of XXXX XXXX said they were in XXXX. I made the comment " Oh Great '' He called me a XXXX!!! for making that comment. I was referring to time frame being out of the country. I`m certainly not a XXXX, I don`t appreciate being called one. I`m very upset with Chase having a manager who acts out at a customer like that, name calling to win his battle. 
XXXX still has no record of my transfer! I will check again on Thursday, if XXXX cant find it I want the money returned to my account and a BIG apology from the Branch Manager XXXX for name calling! 
If he was standing by listening to my conversation with the Banker, he should have mentioned an external transfer is not 24hrs or XXXX XXXX ... it could take up to 3-4 days, you should just walk into XXXX. 
This should have been handled differently! A professional manner without slandering the customer. 
Best Regards, XXXX XXXX
I recently received a background check with Sterling Talent Solutions. I was not properly notified when this background came in and on my report are two incidents that are not accurate as well as incorrect information. In addition, to these issue which took place over 24 and 19 years ago. This information in the first place should have never been included in my report as it is over 7 years old. I have recently filed a dispute with this issue. But the reason for my complaint is that I should have been notified right away if there was a problem as well as this information should not have been allowed to even show on my report even if they say they verified it. I understand the need for background checks but information that is not completely accurate or some what incomplete should not be allowed to be used.
I am requesting a short sale on my property ( XXXX XXXX XXXX XXXX XXXX MD XXXX ) and it has been under contract since XX/XX/XXXX. Mid America Mortgage/XXXX XXXX reviewed the file including the current offer on XX/XX/XXXX and marked the file as complete yet they have not made a decision as of XX/XX/XXXX. We have followed up with them daily to request them to expedite their review but to no avail. The buyers are getting weary of their lengthy process and is threatening already to terminate. Can you please assist in making XXXX XXXX escalate this file so we can have a speedy resolution?
Loan company applied payments to credit card, not auto loan. Auto loan in default because of this. Payment check referenced the last XXXX numbers of the auto loan ( as it was on the billing statement ). USAA, with whom I have both a credit card ( in default/very late as payments were insufficient ) and an auto loan, refuses to credit the amount to my auto loan. I expect soon to have my car repossessed, though I should have been current with payments. ( I stopped making payments the last 3 months while the USAA was supposed to be sorting this out. Now when I call and I get placed on terminal hold, such as 20 minutes today without anyone picking up after my call was forwarded. Online logs me off repeatedly when trying to get my information, noting that I have unresolved charges. This evening, when trying to gather documents for this complaint, I have been unable to access the information online. When I actually got to speak to people initially ( months ago ), they noted that no payments were shown on my accounts and that obviously my bank was in error. Then, when I pulled up the cancelled checks, the person insisted, as if it was an acceptable explanation, that they have XXXX checks that they process each day. They refused to forward the documents for this issue, insisting I can get them online. )
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX Loan Account # : XXXX Hello, For over a year now I have been trying to get a loan modification on my mortgage with my mortgage servicing company, Select Portfolio Company. I went through some very hard times and could not afford my mortgage then. However I went back to work and things have gotten better for me financially and have since pleaded with the mortgage company to modify my mortgage. For over a year now they have not given me the modification and my home is now in foreclosure scheduled for a XX/XX/XXXX sale date. 
I have given them all my financial statements that were requested including my income which includes my child support. They are refusing to use my child support and threaten to go ahead with the foreclosure on my home because according to them the amount is not the same every month. My monthly child support is a little over a XXXX and I receive it on a master card. I gave them the court order that shows the amount and 18 months monthly statement from the child support department proving I have been and still receive this income. 
They are however refusing to use my child support income because again according to them the actual amount received is not the same every month. They claim that because the actual amount receive is sometimes slightly more and sometimes slightly less than the amount ordered by the court that I get a letter from the department of child support explaining why amount varies. I asked to the court for the letter but was told they can not tailor a letter explaining why the amount receive is sometimes slightly higher. According to them they can only give me the monthly statements and the court order but can not tailor a letter to my situation. 
I explain this to my mortgage serving company and ask them to at least use the medium amount for every month but they insist they will not use the income at all however if they do not use my child support income that will disqualify me for the modification that is currently in progress with them. 
I have lived in this home with my daughter since XX/XX/XXXX and I am terrified that they are going to take our home away from us. I barely sleep at night. I do n't understand why they are refusing to use the child support when I have given them statements from XX/XX/XXXX to now showing I received at least {$850.00} every month. 
I am asking this office to please intervene and help safe my home. Please ask them to use all of my income and not deny me the loan modification. 
My mortgage company information : Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX, UT XXXX : Phone : XXXX Thank you XXXX XXXX XXXX XXXX
Good morning, I am XXXX XXXX in the United States XXXX XXXX and have been for XXXX years. I am attempting to get a home loan. My two children and I are living in a hotel while we wait for the below issue to be resolved. No one has been able to remove the information from my account. It is causing a serious hardship for my family.

I had a loan account open from XXXX XXXX with an account number of XXXX. The account was showing late for the months of XX/XX/2018 and XX/XX/XXXX-XX/XX/XXXX. I have made the same account payment for years and was never reported as late on my credit report. I contacted XXXX and identified the issue. Nothing was done on their end and on or about XX/XX/XXXX, I submitted a dispute to XXXX, XXXX and XXXX. On XX/XX/XXXX, I received back the dispute and nothing was changed on my credit report between last Tuesday and today ( XX/XX/XXXX ) when the bureaus refreshed. I spoke with XXXX on XX/XX/XXXX and they notified me that codes were imputed into the system to let the credit reporting agencies know that I was not late and it should not be reported as such. XXXX has made the change in their system and notified the companies according to the agent however, it is not reflecting on my report.
Thanks for your assistance. I was billed for a medical task that my insurance stated I am not responsible for. I called XXXX and spoke to them about this, and provided the documentation from my insurance company. This was ignored and I was billed and then reported for non-payment.
Contacted Capital One on XX/XX/2019 was placed on hold for a long time ago and was constantly transferred. When I was finally able to speak to a rep, I explained my situation in regards to the credit limit on my accounts and asked for a supervisor. I was then placed on hold by rep ( ID # XXXX ) for several minutes, then was told that the supervisor she spoke to told her that they could not override the automatic system decision. I then explained to the rep that I asked to speak to a supervisor to be able to escalate my concerns to the executive office. This has been an ongoing issue when I contact Capital One, horrible customer service, long wait times and no resolution. Their employees all state different answers when pertaining to the same situation. TRAIN YOUR EMPLOYEES, XXXX XXXX.
My name is XXXX XXXX. My mother is XXXX years old. I have been handling her finances for the last 6 years, since she almost died from XXXX XXXX. Her mortgage company has been scamming her for years. OCWEN. I have filed numerous complaints to them and NOW you can not even reach an agent at all. They now are ONLY as debt collector. I supplement my mothers income monthly since she has limited income. Her mortgage was ( approx ) $ XXXX then escalated to $ XXXX then i was able to get them them ( at that time it was XXXX ) back to $ XXXX. This last year I applied for her for the HAMP program. Well now they are demanding over $ XXXX as well have been sending DELINQUENT NOTICES yet I have been PAYING HER MORTGAGE every single month? Where is that money going to??? 
HER ADDRESS XXXX XXXX XXXX CA XXXX XXXX am her daughter XXXX XXXX am authorized on her behalf for all her financials