WillisBack/dataset-financial-user-claim huggingface dataset:
My credit card with XXXX federal stop me from making payment for return payments. I was a victim of fraud. XXXX was investigated I was unaware they stop all electronic transfers from my account ending in XXXX.my other account were fine. On XX/XX/XXXX - {$200.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$490.00} these were returned. But payment on XX/XX/XXXX {$340.00} was successful I contacted XXXX federal and conference call was made to verify funds. 
I made payment from my checking in account ending in XXXX. No payment was ever return from this account. Dates clear my bank for payment are XX/XX/XXXX $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX$ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX. $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX{$220.00}. I was ever a new account number for the account the was compromised ending in XXXX. I made a payment of {$200.00} that cleared my bank on XX/XX/XXXX. I made this payment to cover the XX/XX/XXXX payment that did n't go through. I only had 3 payment that have n't clear but due to issues not in my control. Now I have no other way to make payments. I 'm being penalize I had 11 good successive transfer to this credit card versus the 3 returned and 1 of those I made the next day to cover it.
This Complaint is being filed due to this firms lack of competent business practices and the manner in which this firm has attempted to extort excessive fees and charges due to an alleged balance they are attempting to collect on. This firm lacks any sort of consistency or professionalism and in trying to contact the incompetent individuals that are employed by this firm I have been met with a severe lack of follow up or professionalism. This Firm is attempting to collect on behalf of XXXX XXXX which is an XXXX firm that has failed to follow due diligence in its effort to conduct any sort of relevant business. Due to this companies lack of protocol or process they have now attempted to serve me on an erroneous lawsuit with excessive and what should be considered illegal fees and additional charges. I have made an attempt to contact this company prior and left messages on 2 separate occasions for a XXXX and XXXX, but have yet to have anyone from this organization reach out to me to discuss this matter. I am absolutely disgusted at the manner in which this firm has billed me, and I refuse to be bullied or extorted via a lawsuit. My recommendation is this firm needs to do a complete re evaluation on its business practices and I demand a review of this account and all of the erroneuos charges they have billed. I refuse to pay this companies excessive fees and will demand that they be removed.
AFNI is trying to collect a {$350.00} XXXX XXXX " debt '' from me. Here is the problem with their claim : - I have never had an account with XXXX- I NEVER lived at the address they are reporting the debt occurred- They REFUSE to verify the details of the debt i.e what months and from what years I owe and what XXXX services I used-They refuse to verify my birth date and social security number. 
-The FDCPA requires them to give 30 days notice of any debt owed. I never got such notice. 

I have disputed this account several times with XXXX and the other CRA 's but each time AFNI has knowingly falsely verified the debt as being accurate. That is an egregious violation of the FCRA guidelines and there are severe fines and penalties set forth in the FCRA for this type of behavior. I want this collection account removed from all XXXX credit bureaus right away.
My mother is a XXXX year old invalid who has some credit card debt. When she couldn't XXXX anymore and became XXXX, I called Citibank and informed them that my mother could not pay anymore. Citibank, unbeknownst to me, sent " Delinquent Account '' Reports to the Credit Bureaus on ME. 
Citibank NEVER contacted me after I sent a letter of explanation and a request for a phone call. Instead, Citibank started sending reports on ME back in XXXX of 2018. 
Just today, by chance, I noticed my Credit Score had dropped dramatically. When I asked Citibank why I was punished for my mother 's account, they said I was an " Authorized User '' and I had agreed to let them contact Credit Bureaus about me. I signed and agreed to NOTHING of the sort. MY mother must have put me on as an " Authorized User '' in order to buy her supplies. I NEVER agreed to it and they refuse to show me proof where I did agree to it. 
I now have dropped over 100 points on my Credit Score, I have Credit Limits reduced on Credit Cards, and I'm suffering Compensatory Damages from Citibank 's actions. 
HOW CAN IT BE LEGAL TO MAKE A REPORT ON SOMEONE BASED ON SOMEONE ELSE 'S CREDIT CARD??? I AM NOT the Account Holder, WHATSOEVER, for my mother 's Credit Card with Citibank. And I signed NOTHING to be an " Authorized User '', yet they reported to the Credit Bureaus about ME. And WITHOUT EVER CONTACTING ME BEFOREHAND.
I have submitted numerous disputes about inaccurate accounts on my Equifax report. There are three accounts that have been removed and replaced on my credit report without my knowledge or consent. The two accounts are   XXXX   XXXX  ,  XXXX  &   XXXX   XXXX  . I have proof showing that these accounts have been removed but upon checking my report, shows that both accounts have been added again.
This afternoon i receieved XXXX phone calls from seperate numbers [ ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) ] and seperate people claiming to represent a company called XXXX XXXX XXXX. They had previously called my mother and sister before getting in contact with meThey opened the conversaation by asking me to confirm my identity and went as far as telling me the last XXXX didgts on my SSN #. ( which they also provided to my family in a voicemail when they previously called ) they then starting talking about a debt i owe from years ago to " Check N ' Go '', which is a legitimate debt. 

At this point theyre telling me that i owe roughly {$930.00} and must pay it in full immediately or they will file paperwork to issue a warrant and have me arrested due to " their client '' pressing charges on me for a couple different types of fraud. I questioned him about the legitimacy of what he was telling me and he got extremely defensive and kept insisting that i would be charged with felonies if i did not pay. he also refused to identify his client when i asked who was pressing the charges since he had told me that the original debt collection agency that got my account from Check N Go had turned over my debt to someone else, and that that new agency, whom he is referring to as his client, is the XXXX pressing charges if not paid.
hello my name is XXXX XXXX and I believe I am being ripped off by the XXXX XXXX XXXX in XXXX I bought a XXXX dodge caravan that had a 5 year contract to own. in the XXXX year the whole computer mother board went up which they said was very rare we went back to the XXXX XXXX dealership and they put us in a XXXX dodge caravan which was being test drove so it had XXXX miles already on it it was going good until after 6 months the tires had to be replaced then it kept making horrible noises and shaking so we took it to the dealer where the fixed it it took almost 2 weeks then 4 weeks later the same issues with the shaking we put it back in the shop and it stayed there for a week then the issues started again so when we called the XXXX XXXX dealer and they said they were recalling the XXXX XXXX caravan and it would be bought back from us so that is what we did it was alot of other people doing the buy back program the car still had a balance due of XXXX the dealer said they were buying the van back from us for XXXX and the difference would be put on the new loan for XXXX so XXXX and XXXX was supposed to be the new loan they also said the same lender was financing the XXXX loan and i was getting XXXX off of that ..so I received a statement from XXXX XXXX stating that I owe them XXXX and that they financed my loan and that the XXXX is the principle of the loan and that my payments are XXXX dollars a month for 6 years ... .I need help.
I left school in XX/XX/XXXX. I had been diagnosed with a XXXX XXXX, XXXX and attened for as long as I physically could. Navient has been reporting inaccurate derogatory late payments on my account. I have made several unsuccessful attempts with various agents to get these late payments removed as they are not accurate. I have stayed on top of my forbearances and deferments as I can not afford the stress or the pressure of having to deal with possible late payments or going into default. 

The dates that Navient has reported inaccurately are : XXXX ( XXXX, XXXX and XXXX ) XXXX ( XXXX ) XXXX ( XXXX, XXXX, XXXX, XXXX and XXXX ) XXXX ( XXXX, XXXX and XXXX ) Forbearances and deferments should be for at least a 12 month period and a 6 month grace period after leaving school. In XX/XX/XXXX after leaving school I still should not have been given a late fee until XXXX, although that is inaccurate.
a wire transfer of funds was sent from my account on XXXX/XXXX/2015 ( thru citizens bank ) to XXXX for rental of a condo at XXXX in XXXX fl.a day after I discovered it was a scam and went to citizens bank and had the wire cancelled or reversed on XXXX/XXXX/2015. the scamer sent an e-mail on Friday XXXX/XXXX/2015 to tell me his bank told him funds would not be available until Monday XX/XX/2015.since I cancelled before XXXX/XXXX/2015 and citizens wire contract states that I have until XXXX/XXXX/2015 to cancel, why was n't it stopped. what are my rights.i have n't heard anything from citizens bank.
I canceled my auto pay option for my Dovenmuehle mortgage on XX/XX/18. Then i manually paid my mortgage on XX/XX/18. On XX/XX/18 the auto-pay tried to take the money out of my account anyway and the payment was declined. XXXX gave me a XXXX dollar return fee even though I had paid my mortgage on time. When i called in to have the fee waived i was told that even though i made my mortgage payment on time that they would not consider waiving the fee unless i submitted a written letter to their review department. I feel like assigning an undisclosed fee to a customer without giving them ample opportunity to avoid the fee is deceptive and designed to profit off the customer without their consent.
XXXX XXXX XXXX XXXX is demanding that I owe them {$390.00} as part of their processing. I do n't need their company but they say I owe them.
I was told by an Agent of Nationstar that they do not charge a fee for pay online customers on their website if the account is current as well as up to 9 days past due, They go thru XXXX XXXX and do not charge Customers the fee to pay online. At 9 days past due and after to pay online on their website they charge a transaction fee of XXXX which they state goes to XXXX. XXXX This is on top of a late fee at 15 days past due. ) The concern here is that current and past due customers up to XXXX XXXX do not have to pay for XXXX services, but customers after XXXX XXXX have to- this is targeting a group of individuals and is unacceptable. Either way the fee should be subsidized for ALL Clients or the fee charged for ALL Clients. XXXX doesnt know that these folks are past due. I can not stand dealing with this company, the right hand has no clue what the left hand is doing and I 've had to spend my valuable time doing this research- I was on the phone for just shy of an HOUR with them on XXXX XXXX unacceptable!
American Express charged me for Premium Car Rental Protection- {$24.00}. I never signed up. I know these products are a complete rip off. When I called to inquire, I was told I signed up in 2013 under a different card number. They refused to remove the charge. I 've never been charged before. Clearly the company changed my preferences and add it by default.
Today I received a bill in the US mail from PayPal Credit for {$120.00}. The following events happened between XXXX and XXXX today. 
XXXX representatives from PayPal confirmed that my Social Security Number, Date of Birth and order of my first and last name did not match their records. 
The first representative verified me with the account number, balance and last charges. This took XXXX minutes to get to this point. That representative confirmed that the charge was from {$25.00} charge for a service I intended to pay on my credit card. PayPal opened and billed a line of credit for instead of using the credit card I had registered on the account. I had to hold for an unspecified period to be connected with some XXXX in PayPal collections, as apparently the phone number on their written bill is different than the XXXX they use for collections. I had to go to an appointment, so I could not hold. 
I called back and had the same issues with verification. I was put through to the collections department, who was willing to accept payment on the account, but no handle my dispute of the fees ( XXXX times the principal ), because they could not verify my identity. 
They even took my credit card number. A less sophisticated consumer may have given up and paid the bill to clean up their credit and avoid the hassle. 
I asked for supervisor XXXX times. The representative continued to explain why a supervisor could not help me. I then had to resort to shouting down the representative on the hope that either he would hangup or get me to the supervisor. 
The supervisor took the payment and credited the account. He waived the fees. It was interesting that he was able to verify me with the date of birth no one else, including XXXX tries on the automated system could verify. 
How can can a company open an account with a wrong social security number, phone number, possible date of birth and email address? 
How can you charge some XXXX fees on such a loan when that entity lacks sufficient information to identify the person they are loaning money to. How can you be willing to accept payment on an account, but then not properly service the account? The supervisor did not seem concerned with this, which indicates the corporation condones this conduct. 
He, however, was concerned that I had to shout down the rep the speak with the supervisor. 
That being said I felt treated unfairly and harassed by the whole process. The need to shout and argue my way to a supervisor. 
They only use first names. The XXXX representative and the supervisor, both identified themselves with the same first name. The other first names were generic. If this was a litigated matter PayPal could use my inability to properly identify the exact staff members as a weakness in my claim. 
To the best of my recollection only the supervisor advised me that this was an attempt to collect by a debt collector and that any information discussed would be used for that purpose.
Bankruptcy was removed from credit report and then reinstated without my knowledge and Equifax did not send me out any notice before attempting to reinstate
To whom it  may  concern I  XXXX   XXXX  Submitted a payment on  XXXX  Ally financial which is my car payment, I made a at deposit that day at night around  XXXX  pm as I previously was told that I need it to make a deposit that day to avoid any fees or over drawn fees, so I made a deposit of  XXXX  than an additional  XXXX  dollars that same night and I printed a receipt that night and I was current and that was the reason why  XXXX  went on the  XXXX  of  XXXX  to deposit the rest of the money to avoid any fees and so I was current. I was n't negative anymore that night as I covered the full amount negative. I was back on track.   The next thing I know is that chase has charged me a fee for insufficient funds.??? Why if I made the deposit that same day to avoid fees. Before midnight unfortunately I was at work and could not get out until my time to finish my shift. But I deposited the money before midnight and I was current the next day  XXXX  found out that  XXXX  gave me that fee of  XXXX  o   XXXX   Makes no sense. I deposited the money that same day.   And the amount that I deposited cash seems to still be pending??? It should n't still be pending it 's cash heloooooo.  XXXX . It should have taken action and effect immediately that day to avoid charges and insufficient funds. Also we have a different time frame.   Why is that deposit still lending as of today   XXXX   XXXX   when it was cash not a check.   I am very upset and are thinking about leaving chase sometime soon. I 've had problems in the past with a personal check that atilano  XXXX  gave me but I do thank  XXXX  because that was successfully fix and solved.     Now I here we go again.???   The deposit should not have to be pending still is cash not check. It 's is not my fault that there was a fee of insufficient funds when I did everything possible to deposit and I did deposited the money that same day before  XXXX  hours or  XXXX  hrs to get fees. I was so right that I was n't gon na get any fees and look at this it did that is crazy.   I am not sure if chase has something against me. And why the despots are still showing pending that their system mistake not mine. I want them to fix and solve my problem. It was n't my fault and I did the deposit that same day before midnight my time. I was not aware that it supposed to be at  XXXX  instead as the representative told me. I promise u and assure u I was not aware of that. Anyway after my deposit the receipt said I was current and I throw the receipt away at the garbage of the branch I went to in  XXXX . I wish I had it to print it and take a copy of it so I can use that as proof although  u  do n't think is necessary because  XXXX  can confirm that I made the deposits cash that day and that I was current. Please help me this is very frustrating that I 'm waiting  XXXX  min to  XXXX  hr trying to fix this important matter what is going on with chase?
We ( XXXX XXXX XXXX, XXXX ) purchased a XXXX XXXX XXXX XXXX and financed the loan through XXXX XXXX which is a finance company. After our loan was in progress, the company renamed to : XXXX ( XXXX  ) XXXX XXXX   XXXX XXXX XXXX IL XXXX The account number was : XXXX XXXX It was a 5-year loan beginning in XX/XX/XXXX and paid off in XX/XX/XXXX The problem is we never received a lien release from the company after the loan was paid off. I XXXX  them to see if I could find a phone number to ask for the lien release myself but it looks like the company went bankrupt. 

We are going out of business and need to sell this trailer. We can not sell it without the lien release. We sure could use your help.
I had a verbal agreement with  XXXX   XXXX   XXXX  center prior to my  XXXX   XX/XX/2015   . The agreement was that I put {$1000.00} down and was able to pay out the remaining balance with {$200.00} a month payments. After my  XXXX , they tried collecting more money from my insurance company for several months. When they finally sent me my bill, they were demanding full payment. I called and spoke with the billing department and reiterated our previous payment agreement and was told that they could only accept either full payment or {$500.00} a month. After I told them that I could n't pay that amount, they immediately sent it to a collections comapny..
My Macy 's credit card number was used to make purchases at Macy 's stores in XXXX XXXX while I was in New York. I still have possession of the card, so I assume it was some form of spoofing. I noticed the charges within a few days and notified Macy 's they were not mine. I have filled out a fraud affidavit and returned it. 

I now get several phone calls a day beginning at XXXX XXXX. In general I do n't answer, but when I tried to pick up I discovered the caller hangs up after two rings. I called back the number from the Caller I.D . log and determined it was Macy 's bank. I called Macy 's bank and asked them to stop, but the calls continue. 

There have also been negative reports to various credit bureaus. 

This is Macys bank rather than Macy 's itself. The fraudulent charges have been removed from the record of my actual Macy 's account.
This is an attempt to collect on a medical bill that was and/or should be paid by the State Of Arizona. The medical care was contracted under an industrial injury. The injury occurred XXXX2016. The State of Arizona has an claim # XXXX for payment of this service. 

I have told the practitioner who to contact and how to be paid. I believe the state has already made payment and the practitioner is attempting to double bill.
contacted company asking about the Hippa laws violation.company refused to respond with original documents showing they have the right to brandish negative item on my credit report. 
I also contacted the the reporting bureau and they claim that advance verified that the account being reported is inaccurate.
LVNV FUNDING LLC ACCOUNT NUMBER XXXX is wrongfully appearing on my XXXX  credit file.The collector is attempting to collect a debt for XXXX , XXXX, THE ORIGINAL CREDITOR. 
HOWEVER 1-I NEVER ORDERED A XXXX CARD 2-I NEVER ORDERED ANY XXXX MERCHANDISE 3-ALL OF THE MONEY LVNV FUNDING WANTS is for return, restocking fees, the interest associated with that and any fees the collector added. 
4-SO THE ORIGINAL CREDITOR AND THEIR COLLECTOR ARE SCAMMING AND EXTORTING USING CREDIT REPORTING TO DO THAT.
XXXX months ago I got a payday Loan with Ace Cash. I got XXXX extensions with them. I was about to make a payment and went into their website to do so. I could not log in to their site. So I called and the customer service person told me that they no longer gave pay day loans in Maine and that is why I could n't. So I asked her if I could make payment arrangements with her and she said no I am sorry. I might add that I had XXXX more times I could make payment arrangements. She said that they would be debting the full amount of the loan which was XXXX on the XXXX I said i could n't pay that and she said well stop payment on it and we will make payment arrangements with you. I did just that. Now I realize that they broke their contract with me and probably charged me for non payment and I know for a fact it is on my credit report for non payment.
I got a Best Buy store credit card back in  XXXX , and recently, it has come to my attention that  Citibank  has been fraudulently and unlawfully enriching themselves by charging me monthly " debt protection '' fees under the name of  XXXX   XXXX   XXXX , and   XXXX   XXXX   XXXX   and other possible aliases they 've deceptively been using to swindle money from their consumers. I never agreed to or was aware of this fee. In  XXXX , the CFPB found  Citibank  guilty of this exact same claim. As a result  Citibank  had to pay millions of dollars in penalties/refunds to the customers of Citibank as well as to the bureau ; however, I was not  one  of those customers who received a refund. Since  XXXX ,  Citibank   (  Best Buy store credit card ) has been consistently charging monthly fees to my account. My most recent statement being from  XXXX   XXXX ,  XXXX  still continues to show this fee, in the amount of {$22.00} as " enhdebtprot ''. The attached documents show the fee dates back to  XXXX   XXXX . This is the earliest statement available to me on Best Buy 's credit site. I called  Citibank  Customer Service department on  XXXX   XXXX ,  XXXX  and asked for my statements dated before  XXXX   XXXX  ; although, they notified me, it would take up to a month to receive those. The past few years, I have opted for paperless statements, as well as singed up for an automatic payment plan, therefore, I do not have access to previous statements other than what is listed online.
The federal student loan interest rate is too high for borrowers, which does not provide incentive for Americans to pursue a higher education or enable them to save for their future. Moreover, if a borrower consolidates their federal loans, the interest rate becomes fixed for the life of the loan, locking in the borrower for years of repayment with high interest. This discourages Americans from pursuing higher education opportunities and does not enable borrowers to pay back loans in a reasonable time frame. High interest rates do not allow Americans to pay back their loans in time to save for their future through investing in a home, retirement or saving for their children 's education.