WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a XXXX XXXX XXXX from XXXX on the site - XXXX XXXX for sale. On XX/XX/XXXX, I sent XXXX XXXX the sum of {$350.00}. for the product through Paypal. Payment ID # XXXX. She claims she did not know how to access the money, and it would not be touched and to send it again. Sent another payment of {$350.00} onXX/XX/XXXX payment ID XXXX. I did receive the Tour Pack from the XX/XX/XXXX payment. I had contacted XXXX several times to dispute the duplicate payment and they informed me she MUST return my money. I contacted her several times with no avail. Now she has blocked me - removed herself from XXXX and I learned she now is going under the name o XXXX XXXX XXXX, trying to join the XXXX XXXX XXXX again and was rejected due to her photo. Now her photo is also changed. This is a scammer. I am getting nowhere with XXXX. I want my {$350.00} back and this girl charged! She will try to rip off others too!
I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with Southwest Credit Systems. This collection account was opened in XX/XX/XXXX - and currently has a balance of {$1100.00}. In XX/XX/XXXX, I disputed this account with XXXX XXXX and received unfavorable results. I called Southwest Credit Systems on XX/XX/XXXX in an attempt to discover what this account was for ... I was told that the original creditor is " XXXX '' and that Southwest Credit Systems removed this account from my credit report on XX/XX/XXXX. Then, I called XXXX, and they were not able to locate my name and/or an account affiliated with my name. This account is falsely and negatively being reflected on my XXXX and XXXX  credit reports.
Left XXXX XXXX for another electricity company. Initially, I did not pay my final bill on time. This was reported to a collection agency, whom I paid in XXXX of 2018. I have a screenshot of my credit report that shows that this was paid. The very next month, I got a letter from a different collection agency ( Mercantile ), and they were trying to collect {$58.00} on behalf of XXXX XXXX. They also put this amount on my credit report, and it doesn't belong there. I no longer owe XXXX XXXX any money, and I want the Mercantile {$58.00} debt fully erased from my credit reports. Thank you.
Two transactions were posted after the service was cancelled. I filed a dispute with my bank, but the denied my dispute, stating that they will not be credited because they were unauthorized transactions. This caused {$70.00} NSF fees as well as several {$5.00} daily overdraft fees.
I have a couple of medical bill from XXXX Medical Center these accts were paid by my medical ins. I never received bills from the hospital for anything!!! All I knew was when I checked my credit report the hospital had sold my information to a collection agency.Now I do have a copy of the Hipaa Law and I know that anytime your medical information is released without your authorization it is a violation of your rights.These are now reporting on all 3 of my credit files and this is not right!
Dear Sir/Madam : XXXX 2015 I applied for a mortgage at your XXXX Branch located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I received a pre-approval letter for {$200000.00}. A few days later my offer was accepted for a property located at XXXX XXXX XXXX, XXXX XXXX. I then went to your branch and together with XXXX XXXX XXXX, I filled out an application at this time I was assure that my loan will go through. One week later, something had happened to my application and we had to re do it. Once again I was assured that everything looked good and the loan should be approved. Therefore, I order an Inspection of the property. A few days later, XXXX XXXX said to me that there was an issue with my debt to income ratio because of my property in XXXX, XXXX and that the lease for {$2400.00} starting 3 days after the schedule closing of the property in NH could not be accepted because of no history of payments. XXXX XXXX called the Mortgage support group and explained that the reason there was no history of payments was because the lease was knew. The mortgage support team told XXXX XXXX that it would be XXXX. then. Once again I was reassured that everything was fine and to go ahead with the inspection. Then on XXXX XXXX, I received an email that was sent by the underwriter to XXXX XXXX that my mortgage had been denied. I asked XXXX XXXX to speak to the underwriter and find out the reason. The underwriter told XXXX XXXX that it was the debt to income ratio. The underwriter had not accepted the lease for the property in XXXX. I asked XXXX XXXX to speak to the underwriter again since the mortgage support team that assured him that the lease would be accepted. The underwriter went to her manager and there was no hope. I received the letter of denial. 
Not only did I waste time but also money and XXXX. Someone dropped the ball at your bank and the least your bank should do is reimburse me for the inspection report charge of {$510.00} ( it included a Radon test ). 
Thank you for your consideration I would like to continue doing business with you and keep my account with your bank depending on your reply. 
XXXX XXXX offer to reimburse {$100.00} to which I said no since the least they can do is reimburse the total of the Inspection charge. I went to the XXXX Attorney General and their office directed me to go to you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
on the year 1995 I when to the bank wells fargo bank to make a deposit for XXXXand the person who help me with my money he tell me that I need to leave mymoney for one year so on the same year I have a problem with XXXX theytook my XXXX to come back to XXXX XXXX so I stay in XXXX for one yearso the next year I come back to XXXX XXXX so I lost my XXXX my letter from the bank orany information about the acct so I do n't have any information I when to the bankand I ask for my money they tell me is nothing or any record with my money or my namedor social security number I leave the bank very mad because no body tell how I can getthis money back so the time when on and move from XXXX about 5 years agoand I was going truth my paper and I was take out all the trush and I found informationfrom the I rs information about my money and I have XXXX also my old checking bookI star wirh the company XXXX company they said they do n't have any acct with thewells fargo bank I need to call them about my money and I have a bout 5 monthsand they said the state have because after 7 years they use the money they sand to thestate the state said the bank have a number or when they send to the state I fieldthe no body whan to tell me happen with this acct but I know I make this deposit and I was in here to make any decision on this money so I need the some body have torespond me about this matter I need to find where is this money I know is going to be 20years ago but the matter is the I make this deposit I have a person who when with mewhen I deposit this money and when I ask for this money she was with me at the timeso I need my money
I had a stopped payment on a check for {$380.00} but usaa let the check go through causing my mortgage payment to bounce. I was unable to make a deposit at the XXXX ga atm. But they told me I had to just get a money order which I did. I deposited the check using my XXXX   but to make problems worse they hold {$260.00} of my money. Then this new problem arise with this {$380.00} coming out when I had a stopped payment to. There is always somebody at the bank causing you financial issues and things to bounce. Somehow the stopped payment fell off.
As it pertains to the credit bureau of XXXX, XXXX, and Experian and the creditors involved I am disputing the valid nature of 9 accounts listed in this dispute, as circled in the XXXX   credit report attachment. Since XX/XX/XXXX when I first got alerted of my stolen identity, I filed for a police report which was already relayed to the 3 credit bureaus on my originally filings. In my original fillings I disputed the creditors I have filed against and I also filed a police report on XX/XX/XXXX about my identity theft. In order to clarify these creditor accounts as not being a part of the identity theft, I wanted to verify the original handwritten signatures and the original contracts for each of these creditors that were circled in the XXXX XXXX XXXX report. I wanted to file this request according to the section 609 of the Fair Credit Reporting Act. Please verify these accounts according to my request.
My daughter was attending college up until XXXX, I had moved from XXXX to XXXX in XXXX. In XXXX I pulled my credit and noticed there were derogatory reports on my credit report from a " nelnet ''. I had no idea who or what this was. So I called the company and asked what the issue was and why it was being reported to my credit report. After going through verification the customer service representative got rude, was swearing and threatening me. I again told XXXX that there was no need to use such language or threaten me and was happy to work with them to clear this off my credit report since I was unaware of this bill. XXXX did not have my recent address since I had moved out of state. When I had updated them with the correct contact information the calls came all hours of the night as shown by my cellular records after repeatedly telling them not to call. My first request to cease and desist was XX/XX/XXXX, yet the threating phone calls kept coming in getting me all worked up. The reports that XXXX have made and continue to make to my credit are false, when I explain to them it was an oversight and try to correct it, XXXX again starts swearing and telling me that they are there to ruin my credit scores across the 3 bureaus and make sure I do not obtain a good paying job of any kind. In fact when I have tried to work with XXXX to get this paid off in full so this does not affect my job search the customer service lady laughed and suggested that I go work at XXXX.
In XXXX, I consolidated my various student loans into two loans -- one for subsidized loans and one for unsubsidized loans. My original lender was XXXX XXXX. Those loans were then passed to XXXX XXXX XXXX and are now held by XXXX XXXX. 

In XXXX, I lost my job and fell behind on my loan payments. I did n't pay much attention to my credit for many years. 

In late XXXX, I received a forbearance from XXXX XXXX. 

In XXXX, I started looking at my credit report and trying to pay off and repair as much as I could. I found an entry from Educational Credit Management Corporation ( " ECMC '' ). The ECMC website states that it is a guarantor of student loans. I also received several letters from collection agencies of ECMC. 

On XXXX XXXX, XXXX, I wrote to ECMC requesting verification of this debt. On XXXX XXXX, XXXX, ECMC wrote to me that it was unable to locate my account. I wrote to ECMC again on XXXX XXXX, XXXX, requesting verification of the debt. I have never received a response to this letter. 

In XXXX XXXX, I submitted an income-driven repayment plan request to XXXX XXXX, and that request was approved. I also submitted the IDR plan request to ECMC. I received an automated responses statement it had been received. I have never heard anything else from ECMC.

Either ECMC or one of its collection agencies is calling me and my family. The persons refuse to identify themselves or state what business they are calling from. They state only that they are calling about one of my student loans.

I believe that the loan ECMC is referencing is a duplicate of one of the loans held by XXXX XXXX. The only way ECMC could collect from me would be if ECMC had paid part of one of those loans, but ECMC had never provided me with any documentation of payment. ECMC is harassing me and my family and ruining my credit ( I have fixed quite a bit of it ). ECMC will not respond, and I do not know what else to do.
I was part of the release of information against my will. I am now vulnerable to identity theft as a result.
XXXX did not provide me XXXX. I overpaid interest. Ditech collected late fees for over two years and payments for over two years from XXXX. But, it claims it is not accountable for interest in XX/XX/2016. I paid interests of {$6300.00} in XX/XX/2016, is {$1300.00} in overpaid interest. 

Ditech does whatever it can to create a hardship to facilitate a default.
Account numberXXXX .... 
I contacted Experian telling them that an account was reporting past the delinquency time, in addition, I contacted the original credit and they no longer have the account on file. Experian will not allow me to dispute this account again, for lack of new information. The new information is that this is past XXXX years from the original delinquency. I understand that this is scheduled to come off in a month, but I 'd like for it to be removed now. I contacted the original creditor and they do n't even have record of the account anymore, because the company is no longer existing, though it has been transferred to XXXX XXXX, XXXX XXXX told me to contact the bureau. I checked my report and Experian noted it as if it was just recently disputed and update, but the XXXX XXXX rep stated that they do n't have the account in their files and did not receive any recent disputes that they can find under my social. I feel stuck and like I am the only one being penalized in this process. I 'd like this account deleted please. Thank you
I DISPUTED A COLLECTION ACCOUNT FROM XXXX IN THE AMOUNT OF {$14000.00} THAT APPEARED ON MY REPORT IN XX/XX/XXXX. I DO NOT HAVE AN ACCOUNT WITH TBF FINANCIAL NOR HAVE THEY CONTACTED ME NOTIFYING THAT I HAVE AN ACCOUNT WITH THEM. I FOUND OUT THAT THIS COLLECTION WAS ON MY CREDIT REPORT AFTER BEING DENIED CREDIT. I TRIED CONTACTING XXXX TO VALIDATE THIS DEBT BUT I HAVE NOT GOT A RESPONSE. I HAVE DISPUTED THIS COLLECTION ACCOUNT WITH EQUIFAX MULTIPLE TIMES AND THEY GIVE THE SAME RESPONSE, " VERIFIED, NO CHANGE ''. EACH DISPUTE IS COMPLETED BY EQUIFAX IN A FEW DAYS, WHICH LEADS ME TO BELIEVE THAT THEY ARE NOT DOING A FULL INVESTIGATION. I HAVE REQUESTED EQUIFAX MULTIPLE TIMES THAT THEY SHOW ME WHAT METHOD WAS USED TO VERIFY THE COLLECTION ACCOUNT AND THEY DID NOT SUPPLY IT. IN MY LAST ATTEMPT TO GET THIS INFORMATION CORRECTED I SENT A NOTARIZED LETTER ON XX/XX/XXXX ASKING EQUIFAX TO RE-INVESTIGATE THIS COLLECTION AND HAVE IT REMOVED FROM MY REPORT. I RECEIVED THE RESULTS ON XX/XX/XXXX WITH THE SAME RESULT ; " VERIFIED, NO CHANGE ''. I AM REQUESTING YOUR HELP TO HAVE EQUIFAX DO A FULL INVESTIGATION AND HAVE THIS XXXX COLLECTION ACCOUNT REMOVED FROM MY CREDIT REPORT.
In XX/XX/XXXX I purchased a XX/XX/XXXX XXXX XXXX, and received a loan with Ally Auto. On XX/XX/XXXX I had it refinanced with XXXX XXXX XXXX XXXX. They sent an overnight payoff which The credit union has confirmation that Ally received it on the XXXX. of XXXX, Ally never posted it. Since then Ally has harassed me with phone calls on late payments. My Credit Union voided that check and sent them a new one, and straightened it out with them we thought. Now there saying my loan was n't paid off till XXXX and I stillowe a balance. They have destroyed my credit since. They are still calling me, I wentback to the XXXX XXXX XXXX on XX/XX/XXXX she called them while I was still in her office no one knew anything about it, and said they would have to investigate it. I do n't know where to go next for help. All I did was refinance my car and its been a nightmare ever since
I signed up for a loan that I took out for {$450.00} with a finance charge of {$220.00} and I did n't realize at the time I 'd end up paying a ridiculous interest rate on the loan. So I asked them if I could set up a payment plan, but I did n't realize I had to pay the amount of like {$1200.00} and they refused to help me lower it. So I let it go collections, now they 're saying I owe {$920.00} with a {$220.00} finance charge and a late fee of {$20.00} included in it. I 've been trying to resolve this with them but getting it resolved has been the biggest headache. I 'm hoping you can help me get this resolved these people are the biggest scam artists ever! 

Thanks, XXXX
I have attempted to have this debt as a result of Identity Theft removed from my credit several times over the past year with this company and they refuse to honor my requests.
I have two payments left before my loan matures on XXXX XXXX, 2016. I Called to get my payoff. While I was aware that I have 4 additionally deffered payment I that were attached to the end of the loan. During the course of the loan problems arose where I had to defer my auto payment. Capital one deferred the payments and each time I was charged XXXX dollars to do so. I was told when I deferred the loan it would simply be added to the end of my loan requiring 4 more months of payment after the loan matured. When I called in to get my payoff I was told it was XXXX I asked where that amount coming from since my payment is XXXX per month and 6 payments would make the total XXXX. There was an additionally XXXX added to what I owed. I was then told by a representative in the Office of the President that each time my payment was not made on the the exact billing day of my contract ( meaning I had no grace period ) I was assessed intrest and that intrest was deducted from my principal and therefore more was going to intrest than to the loan. In addition, the four deferred payments were also assessed an extra intrest. That interest was derived by the formula where the principal bal was multipled by the interest rate of 25.13 % and divided by 365 days to get the additional interest being charged to my loan. So in affect, I was charged to two different points of interest on one loan. Next I was told after the loan matures I have 150 days to pay off this excess balance, ( the four defered payments plus all this extra added interest ). It was further explained that I could lose my vehicle and it affect my credit adversely if I failed to pay this lump sum. My problem is this, first I was never told the loan accrued intrest which was deducted from the principal if I didnt pay loan on the exact day. Next, I was told the deferred payments would be adding on additional months to my loan. I was not told it was adding adding and extra intrest to my loan in addtion to the 23.13 % already being tacked on. I believe Capital one has dealt with me deceptively by not fully explaining how the intrest acrued with the loan payment date as well as for the deferred payments. As a result, I have believe Capital One is literally stealing my vehicle.
I was contacted today by my mortgage company advising I have not paid my XXXX Mortgage. I was told I had a returned check from the bank and was charged a returned check fee. The escalation rep, XXXX, XXXX, advised my account number was " changed '' in XXXX and would not credit me the return check fee. I have been paying Ocwen with the same checking account for approx. 12 years and I have NOT changed it. I also have made my payments on time. I want the XXXX return check fee credited. My bank also has no returned payment fee on my account.
TransUnion reported my XXXX balance as XXXX a week ago and than yesterday reported it again as approximately XXXX unpaid and past due dragging my rating down 115 points. 

I just resolved this dispute with them and two days later they put it back on. 

XXXX has sent me documentation which I sent to TransUnion agreeing the balance is XXXX 

Please Help
In a response letter written by your company, on your letter head, you documented under the section labeled " Late Fees '' : " The {$1000.00} was waived on XX/XX/2018 and is visible on the enclosed Monthly Mortgage Statement dated XX/XX/2018. 
As of the date of this letter, ( dated XX/XX/2018 ) the account is due for XX/XX/2018. '' I anticipated all corrections to be shown on the XXXX bill ... paying the requested amount at the end of XXXX and at the end of XXXX, which was documented and received by Select Portfolio Servicing , inc . 
But as I waited for the XXXX bill ; upon arrival, it shows not the approximation of 1 month past due per the attached documented amount. 
If as of the XXXX letter from you to me I was 1 month past due, ( owing for XX/XX/XXXX ) how is it that as of the XXXX bill, there is a reflection of " Past Due Payments '' in the amount of {$1900.00}? That amount is over 2 Payments! 
This bill therefore reflects a total due of over 3 payments. 
The online payment screen shows no correction in monthly payments and reflects a monthly payment due of {$980.00} instead of {$940.00}, per your documented XXXX XXXX correction letter. 
In all of this, I have STILL NOT MISSED A PAYMENT. Your records reflect a payment made each and every month. Why is there a " Unpaid Late Fee Charge '' of {$93.00}?
I received a communication from Home Depot ( Citibank ) regarding a credit card charge. I immediately contacted Home Depot and after remaining on hold for more than an hour, I finally reached some one who directed me to Citibank. I called them and explained that I had never applied for a Home Depot card and did not have one. The person I spoke to assured me that they would send it on to the fraud department. They said that someone had applied for the card in the store and they would start an investigation. 

Then about one month later, I received a call with a recorded message that my account was overdue with new charges. I had another long session on the phone with someone named XXXX and employee number XXXX. He repeatedly asked me for personal information even after I explained the situation. I resisted but finally relented, after which he continued to ask me to make a payment on the account. I was finally handed off to a supervisor, who admitted that the account was flagged and saw that I had contacted them previously. She put me on hold, then returned and said the Fraud department could not be reached. This occurred Saturday, XX/XX/XXXX. 

Today ( Wednesday, XX/XX/XXXX ) the recorded calls started again, asking me to call the same number. I would like these people to straighten this out on their end and never bother me again. I promise I will never open an account with them. I have no account number because I have no account or documentation because I have no account. They can only find me by using my name and phone number.
I have paid my account in full I received a letter stating it would be removed and still showing on my credit report
I contacted XXXX in regards to two 30 day late payments that were reported on my credit report. I was, in fact not 30 days late. I received a form letter from XXXX that indicated that they ( XXXX ) report any payment made after the 29th day - which the letter continues to state is the " industry standard ''. I have tried to no avail to get this information corrected, when in fact the payments posted prior to the 31st day. I have submitted disputes through the credit bureau and company directly to no avail. 

I also pulled the contract that I signed and the previous statements. At no time does XXXX indicate or disclose that or notify any customer that they report any payment made after 30 days which in their opinion is industry standards. 

I need assistance to obtain resolution.
I never authorized this companies to obtain a copy of my credit report. I disputed this with company and credit bureau with no response. I want to see the application signed by me which should be on file. This violates the Fair Credit Reporting Act. These inquiries need to be removed or show me where I authorized these companies to obtain my credit report. The credit bureau 's need to remove the following inquiries : XXXX/XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX I never authorized any of these companies to obtain a copy of my credit report.