WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX I received a letter from XXXX and they said that I could pay a lesser amount per month than XXXX was offering and my payments would stay in good standing with XXXX and the money, which is XXXX per month, would go towards my student loan balance when this deferment time period was up. they also told me that I would be eligible for XXXX XXXX XXXX at that time and could possible have my loans paid off. I started receiving papers from XXXX, which is my loan servicer, about renewing my temporary hardship paperwork and I asked them if my record of payments being made to NationalStudentLoans.us via Equitable Acceptance of the XXXX/month was showing paid to them. This is not the case at all. I confirmed with a XXXX rep on XX/XX/XXXX that this loan company is a scam and that I have been basically paying them for my temporary hardship/forbearance when XXXX already has me on one and I just need to renew it and its a free service. XXXX has no record of payments and I have been paying this company since XX/XX/XXXX and its basically a credit line that I have nothing show for, no merchandise purchased, no card, and no payment reporting to XXXX. If I had known that I would be paying this company for nothing common sense would have told anyone that it is a bad deal but instead I was lead to believe this would benefit me in the long run with the status of my student loans and balance. Now this fraud and scam based company has all my info which is truly worrisome. I have a folder full ofdocuments ( too much to upload but can fax any necessary papers ) including individual names of correspondents and up to date account balance.
I received a notification from the three major credit bureaus that South West Credit Systems flagged my account for a collection. The original creditor XXXX was paid a long time ago and took the difference from my last policy payment to satisfy my account. This company is ruining my credit and deserves to be handled accordingly.
Early this morning I was contacted by an agent, who did not identify herself as a collector. I figured it out during the conversation. She was trying to collect a debt that I believe I have already paid. I am In the process of getting my reciepts in order. How ever I have had no payment agreement with this company even though the send me letters stating this. I have paid their clients directly. Many of there letters list the original creditor as Various Accounts. I know this is in violation of the FDCPA. This agent refused to let me talk and continued to talk over me. I believe her intent was to escalate the call. I found the call very disrespectful and degrading.
On XX/XX/2018, i deposited {$500.00} into my paypal account, which they immediately put a hold on and would not allow me to transfer to my card or bank account which is suppose to be instant. On XX/XX/2018, they released my account, allowed me to transfer {$30.00} to my card, and immediately put a hold on the other {$470.00} for no reason. When contacting the company they had said there was no risk to my account, but they couldnt do anything about the security check. After, when contacting them, they pretend they can not hear me, and hang up. Or, when calling me back, will only let the phone ring once, then hang up so i cant answer, and just end up with a missed call. They never disclosed that i would have my money held, until after i had already transferred it. From my understanding, they have been doing this to every body, and refuse to give anyone answers. I believe they are holding it to invest it for the amount of time they are holding it, before they release it, without consent of the customers. I had a car payment, and rent due, that is now late, because they are holding my money. I can lose my car and will effect my credit score, not to mention possibly get me evicted from my place because i have not been able to pay the weekly rent.
this previous address not related to me, never was associated with this address XXXX, NY XXXX
I have a PayPal credit account. PayPal advertises heavily that they can be used to receive and transfer funds electronically to/from your bank account. They also charge a fee for this service. 

I used my PayPal account to receive an electronic payment of funds from someone for the purchase of an item I sold. PayPal holds these funds in a " wallet balance '' for the user to transfer to their checking account or other bank account they 've setup with PayPal. Rather than holding these funds for me to transfer to my checking account, PayPal will apply any incoming debits authorized by my PayPal credit account to this " wallet balance '', rather than to my PayPal credit balance. I even have my PayPal credit account set as my " preferred method of payment '' according to their site. 

I do not think it 's fair for this company to take funds that I anticipated being transferred to my checking account without my direct consent or knowledge. I used PayPal as a money transfer business and paid them a fee for the funds to be transferred to my checking account. I realize that the debits were transactions that I initiated, but they have now taken it from cash funds that were to be deposited to me. PayPal still expects a full monthly credit payment as well. So these cash funds have now been applied to my credit balance by virtue of covering incoming transactions, rather than applying those transactions to my credit balance as initiated, and they demand a full minimum monthly payment. I think this practice is unfair and misleading. And that user funds should be protected. 

Details of the transaction : XXXX XXXX, XXXX : {$40.00} electronic payment received to my PayPal account from XXXX XXXX. PayPal charged {$1.00} fee for transfer, totaling {$38.00} received to my account. 
Since the above transaction, four credit initiated transactions came in, totaling more than the {$38.00} received. PayPal shows I have {$0.00} in my " wallet '' to transfer to my bank account. 

XXXX XXXX, XXXX : Contacted customer service and explained the above. The representative, continuously laughed at me and joked that I spent the money so I correctly received nothing, and have nothing in my wallet. When I explained that it 's unfair that credit transactions were taken from this balance, she informed me that I had to set my credit account as my preferred method payment. When I told her that I had, looking at it online as we spoke, she told me that it did n't matter. 

I did n't find any of it amusing, and I told her so. Even though this was a small amount of money, I think this practice is unfair. If a credit company that clearly defines themselves as a means of easily transferring money electronically, is actually going to keep the funds and apply it to credit transactions, there should be better communication and safeguards.
I have a mortgage with Nationstar Mortgage. I have been paying my mortgage balance every month. However, during last three months, the entire payment was posted to Escrow balance linked to my mortgage account twice. This resulted in getting several notices from the Mortgage company that I may lose my home due to non payment. This is very frustrating to deal with them over the phone with long wait times and had to email the mortgage company. However, by the time they waive late fees and apply payments correctly in subsequent months, it has already impacted my credit score.
This is the SECOND complaint about the same issue because the Experian failed to address the issue in complaint # XXXX. The company 's online freeze alert does NOT work, though I have tried many times to do so. Since I was affected by the XXXX breach, it is critical that my security freeze is applied at all three credit bureaus. Instead of addressing why Experian 's online security freeze does not work, they answered my first complaint with a general description of the XXXX breach, and what the options for security are. They NEVER answered my complaint about why they will not freeze my credit as requested.
On XX/XX/XXXX    I received a letter from  Toyota Financial Services ( TFS ) s tating that they paid, on behalf of me, {$110.00} to  XXXX   XXXX , Virginia for personal property taxes for th e 1st  half of  XX/XX/XXXX  (    XX/XX/XXXX -   XX/XX/XXXX  ) . My car lease was terminated with them   XX/XX/XXXX   so the prorated amount per  the county  was only {$72.00} for the year.  The county  verbally confirmed that, due to the " Secrecy of  In  formation Act '' t hey were unwilling/unable to provide me a copy of the bill or information as to whether or not the account had been overpaid and a refund issued to  TFS.  They stated as the Lessee I am technically not on the account and thus this information could not be released to me.   I explained this to TFS on   XXXX   when I called in and they indicated that they had no record of this and that if a refund was to be made to them it would take them upwards of 6 months to refund it back to me. I have experienced this inaction on their behalf before when they mistakenly double charged me personal property taxes for the year of  XXXX . It took them 6 months to resolve the issue before and that was with an excessive amount of action on my end as the consumer.  <P/> They were very courteous in the past but now that I am no longer an active customer to them I simply owe them money and are unwilling to look into this further for me. I fear I will not see this {$41.00} again as they have nothing holding them to customer satisfaction at this point, and  the county  is unable or unwilling to assist me.  <P/> In my opinion, with a potential 6 month waiting period interest should be tacked on to the money they owe me.
I have several student loans with XXXX XXXX exceeding {$150000.00} balance overall. I have an income based repayment plan that doesnt even cover the accrued interest each month, so my balance increases. Each time my balance increases, my credit score plummets even though my payments are made on time and my account is in good standing. The parties in this issue are Transunion, XXXX, and XXXX  XXXX XXXX. I cant have my score continue to plummet for no reason other than increased student loan balance.
This debt was never proved to belong to me, in fact, I believe this debt belonged to my father ( who passed away in XXXX ). I grew up at the address of my parents and we have similar first names, is how I believe the mix up occurred. I still receive mail referring to my military background ( never served ) and to they refer to my elder age ( XXXX - my father 's age ) due to this mix-up. 
Sometime in XXXX, Weltman , Weinberg & Reis began to contact me. I told them over and over again that the debt did not belong to me and they would need to send proof. They would never send any proof of the debt - which I wanted to be the information from the credit card company, not the line item of the debt purchase. It needed to show my name and not my father 's name - because the debt purchase had the incorrect information. I repeatedly told them they needed to provide proof the debt belonged to me or to stop contacting me. At some point they filed a court claim and said they served me at my XXXX address ( I had moved ). They then claimed to have served me at my new temporary address but I had moved again. They proceeded to go to court and because I was not notified, they won the judgement against me. They attempted to garnish my XXXX income tax. In XXXX they garnished my wages. In the span of two months they took {$1400.00}. I wrote them in XXXX XXXX after the garnishment. I reminded them again that the debt was n't mine. Even though they were paid I requested the following proof : Name and address of the person on the original account including date account was opened and last payment date. 
Debt ownership - their proof of owning the account with assigned history. 
Copies of all summons and complaints to show date and proof of addresses served. 
Finally, and most important, since the debt - valid or not - had been paid : an acknowledgment of satisfaction of judgment. 
As they acted in the past, they never responded. 
In XXXX, when applying for a mortgage I was turned down because this debt was still showing on all my credit reports and OPEN AND UNPAID. They cost me the ability to obtain a mortgage as the mortgage company would not take and explanation or check stubs as proof. I also found out at this time they put the debt on my son 's credit report as well.
A person owns me some money and she paid me with a check, I deposit that check in my Bank of America saving account but the check bounced ... In XX/XX/XXXX Bank of America decid to close my saving account and they do not refund my balance of {$2000.00} Back in XX/XX/XXXXI was fraud victim and I think they are relating and retaliate agains me because of the bounced check ... it is unfair, I been customer for more than 11 years and I never have problem and I done nothing wrong ... They ban me for 5 years from their institution and they make feel like criminal.
On XXXX XXXX, XXXX I contacted Bank of America, N, A,. whom is the servicer of my mortgage to let them know that I had lost my job and I may be having a hard time at making my mortgage payments. At that time I was not behind on my mortgage at all. Bank of America, N, A,. told me that they could do an loan Modification on my loan but i would have to be at least 60 day 's behind on my mortgage. I made arragements with them to begin my arrears on XXXX XXXX, XXXX and paid any and all of my mortgage payments up to that date. Bank of America, N, A,. sent me the MAKING HOME AFFORDABLE loan modification package I filled out this package and returned it on XXXX XXXX, XXXX. On XXXX XXXX, XXXX Bank of America, N, A,. filed in the official court records of XXXX XXXX, Florida an Fraudulent and Forged Loan Modification Agreement to repair the missing State and County on the original mortgage. I contacted Bank of America, N, A,. to check on my application status and they assured me that they did receive it and was in review of the application. On XXXX XXXX, XXXX Bank of America, N, A,. filed an INTENT TO ACCELERATE MORTGAGE. At that time I contacted Bank of America, N, A,. to check on the status of my application and was assured that it was still in review and not to worry about the NOTICE OF INTENT TO ACCELLERATE MORTGAGE that it was a notice automatically sent out by it 's computer system because of my being in the arrears. On XXXX XXXX, XXXX Bank of America, N, A,. removes Mortgage from MERS Mortgage Electronic Registry System , Inc. and files a Fraudulent AOM Assignment of Mortgage establishing a new Chain of Title in the official Record Books of XXXX XXXX, Florida. 

As we continued to fall behind as we were awaiting on our application to be reviewed and approved I continued to make contact to Bank of America, N, A,. via telephone and continued to be assured that my application was still in review. On XXXX XXXX, XXXX Bank of America, N, A,. Filed its Mortgage Foreclosure Case and filed False, Fraudulent, and Forged documents as their Exhibits on its claim. On XXXX XXXX, XXXX Bank of America, N, A,. reported that the Foreclosure case was closed and the house was sold and they filed their claim for the FHA MIP insurance, on XXXX XXXX, XXXX Bank of America, N, A,. received their FHA MIP Insurance Claim Number XXXX and received an FHA Payoff for {$160000.00} while this Mortgage Foreclosure case was still being litigated. 
On XXXX XXXX, XXXX Bank of America, N, A,. filed for a Substitution of Party and Amend Style of case. Mortgage Foreclosure was then turned over to XXXX XXXX XXXX , XXXX. and the case then continued on. On XXXX XXXX, XXXX the Mortgage was Changed from an FHA Mortgage to an Conventional Mortgage without any drafting of any new Mortgage Documents, the Counsel for XXXX XXXX XXXX , XXXX. XXXX XXXX claims that the FHA Mortgage was Decommissioned. On XXXX XXXX, XXXX the Final Hearing was held and was awarded to XXXX XXXX XXXX , XXXX. THIS CASE NUMBER IN THE LOWER COURT WAS XXXX AND THE APPEALS CASE NUMBER IS XXXX. This case is full of Fraudulent Transfers and Forged and Fraudulent Documents.
I contacted XXXX XXXX, XX/XX/2018 to let customers service know that I was faced with a temporary hardship, I was recently diagnosed with XXXX XXXX XXXX/ XXXX XXXX.And was explaining to the customer service representative that I would be a little late making my monthly payments on my account, the representative told me the only option that were available were a hardship program that I could I enroll into. The representative didnt cleared explain the policy and rules. However she failed to mention that my accounts would be closed permanently. I wouldnt never told her to close my accounts permanently. I have never been 30 days past due on none of my credit cards with this company. I had just taking 2 forms of XXXX treatment whenever I was talking to customer service. I was experiencing XXXXXXXX XXXX.I have been a customer with this company for years. This company closed my account without my permission or consent. I was only asking the representative for temporary help until I finished my XXXX. Never thought I would end up with my accounts closed that I have never been 30 days late on because I simply asked for temporary help during a time I was diagnosed with XXXX. I have done a lot of business with this company. The representative was aware that I didnt understand the terms and conditions. She had me thinking she was really trying to help me. I was totally mislead. And she were fully aware that I were looking for help temporarily. This is totally unfair. The other credit cards that I have with the company, they reduced my credit limits on my cards, due to the fact I was faced with a temporary hardship My accounts were in great-standing and never 30 days past due. This company ruin my credit score due to lowering my credit limits and closing my accounts that  were in great standing. I contacted XXXX XXXX several times and ask them to reinstate my credit cards that they closed without my permission or consent. But they refused to reopen them. I have never signed any type of contract to have my good- standing accounts to be closed. I were never informed of their terms and conditions on entering their hardship program. I have never received any type of information in mail or anything concerning the steps or terms of their hard ship policy. I feel XXXX XXXX discriminated against me after I told them I had XXXX XXXX. And if XXXX XXXX  tries to say the reason they decreased my credit limits on other cards were my credit score, that would because they closed out 4 of my credit card accounts that were in great standing for years. This company only cares about themselves.
Notice of Error pursuant to 12 CFR 1024.35 ( a ). PennyMac Loan Services has failed to provide the following : 1. Short year statement under 12 CFR 1024.17 ( i ) ( 4 ) 2.  Disclosure Statements under 12 CFR 1024.32 ( a ) 3. Return of Credit under 12 CFR 1024.34 4. Failure to pay taxes by the due date, as required by 12 CFR 1024.34 ( a ),  which are now due 5. Notice of Sale of mortgage was not provided by XXXX
Please remove the following accounts which have nothing to do with me.. I don't know how it got on my credit report but I need it removed immediately..I contacted the credit bureaus and ask for evidence but they could not supply me one. XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX   ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX BANK XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX  ) XXXX, and XXXX XXXX
Seterus has systematically misapplied my payments and then harassed me for payment. In the past, I had to send a separate fax requesting that any overpayment amount be applied to the principal balance each time I made a payment. Otherwise the overpayment would be put into escrow. All of a sudden, they started applying the entire payment to principal, charging late fees for missing payments and start harassing me by phone for an additional payment. Each time, I had to go digging up payment information to prove I already made the payment. They correct their error, credited the late fees and then made the same error again the following month. After the 3rd time I was then told it was because I did not tell the person that took the payment that they needed to use a special code to make sure the payment that I 'm making is applied properly. However, according to the letter they sent me in reply to my request for compensation they wrote " When payment is received, it is first applied to satisfy the next open installment on the loan. '' So if my payment is due on the XXXX and I make a payment 1 or 2 days before the due date, then logically the payment due on the XXXX would be the next open installment. Even in their reply letter they acknowledged making the error again stating " that another payment in the amount of {$1000.00} was received on XXXX XXXX, 2016 and was applied to the loan as a principal balance reduction. '' This was a payment that I specifically made by phone and requested that the special code be used to make sure it was applied properly, but it was n't done. There needs to be some kind of accountability. The last harassing call I receive the caller refused to call my wife. I repeatedly requested she speak to my wife since I was not able to provide the information on the payment that was made at the moment. Even after explaining that I was in a business meeting and was not able to stay on the phone. She kept insisting that I make a payment.
On XX/XX/2018 I received two e-mails letting me know I had purchased 3 e-Gift cards. I know I did not do this so I right away cancelled my credit card. Since it happened late at night I waited until the next day to report the fraud to my account at AARP Chase card member services. The charges for the 3 e-Gift cards were from the company named XXXX XXXX   for the amount of : {$100.00} and {$200.00} also {$200.00}. These e-Gift cards were sent to a XXXX account : XXXX which is not my XXXX account so I never received them. The Fraud department at AARP Chase card member service investigated and said the purchases were valid. I called them again to appeal their findings to let them know I did not received them and they were sent to a different XXXX  account. They sent me letter saying the transactions are valid. I can't believe this is happening when I showed them the e-mails sent to me were they have the XXXX  account they sent the e-gift cards too and that it was not to me.
Equifax has liens showing as wrong amounts and incorrect information. according to the law on a tax lien name & address and social security has to be attach to the lien as birth of date on the lien for the notification to be showing on my credit report. 
lien name & address as well as me living in the property or the property in my name. as you have on file is not my property nor is it in my name. 
As to your file confirmation # XXXX it does not show my name nor my social # or date of birth. laws was passed to this matter on liens on credit files.
Report number : XXXX I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly remove/delete all of the information which can not be verified '' that i have disputed. Please resolve this manner as soon as possible. 

thank you