WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I called PayPal to make a tution payment of {$1500.00} for a 30 day course in XXXX. At the time I thought my bank acct was being debited as it had happened at other times I did business with Paypal. Instead the agent advised me I could pay up in 6 months at 0 % interest. He then asked me to verify my email, I gave him my XXXX acct. Complaint # 1, I never received confirmation to my XXXX regarding terms and conditions of this transaction. In XXXX I returned from XXXX and I went about my business as usual. Complaint # 2, I never received reminders ; they say they sent them to a XXXX XXXX account which I had deactivated way before XXXX Evidently PayPal failed to update my XXXX acct I gave the agent on XX/XX/XXXX. 
OnXX/XX/XXXXXX/XX/XXXX for the first time I received a call from PayPal XXXX XXXX. I was in shock when the agent asked me for {$120.00} past due [ I am proud of my excellent credit report ]. At that moment I thought it was a scam but after I checked my records I realized that I had a problem. My requests : I would like a waiver of half of the remaining balance because they failed to send reminders to my XXXX. Instead they sent emails to a deactivated XXXX account. Also, PayPal took 8 months to call for the first time, why someone did not call me in XXXX or XXXX. XXXX XXXX I wrote to MsXXXX XXXX XXXX, VP of XXXX XXXX to explain my case. I only received a generic email stating they're investigating, ( note : at the time I felt some responsibility and decided to pay {$100.00} leaving {$100.00} balance ). A week later I followed up as I was concerned I had heard nothing back, only to be told the case was closed and I had to pay. To add insult to injury, I discovered that more interest was charged on interest. I asked the agent why they didn't send anything in writing to this effect and he could not give any reason, he only repeated that I to pay. 
OnXX/XX/XXXX. I wrote a second letter to Ms. XXXX. And again, I only received a generic acknowledgement. I suspect nothing will be done, hence my reason for this complaint. I see a pattern here, poor customer service and inability to communicate in writing and clearly. 
Thank you for your services.
I am not sure which application I need to submit this dispute as I am not the borrower and did not authorize this transaction/account opening but I would like your assistance in obtain feedback from this company as to why they are reporting a charged off and out of date account that has been on my credit files since XXXX? I do not own a account with this company and I wrote to both the company and the credit bureaus in XXXX advising that this account be removed or that I be provided with validation as to the date this account was opened and defaulted upon and provide me with all documentation used to validate balance owed. I have requested this company and the credit bureaus ( XXXX ; XXXX and XXXX ) close out this inaccurate out of date account and update my files accordingly.
I file a complaint earlier against this company and they responded that I have file five compliants againt their company about this collection. I was unaware that their was a medical collection on my credit report until I applied for a car loan and was told that a medical collection was place on my credit report, that was XX/XX/2018. I was never notify by the hospital or a collection agency that I have a medical collection. I learned about this collection from the creditor whom I applied for a car loan. That when I disputed this collection not five times that the collection agency is claiming which is false. I receive a recent collection notice from them for first time about this debt. l am submitting a copy of the collection letter that was sent along with the hospital payment history.
I have reached out to have these unauthorized inquiries removed ; however, this company will not respond or make adjustments.To the best of my knowledge I have not approved your organization, any person associated with your organization, to make such an inquiry on these dates. This violates the Fair Credit Reporting Act, Secti on 1681b ( c ) :  Transactions Not Initiated by Consumer. I also demand that you remove my personal information from your records. Please send written confirmation that you have complied.     I have attached the documentation I sent to the company. I have no open accounts with them. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order
My first & second mortgage were being modified after my bankruptcy. The same bank held both mortgages. During the modification the second mortgage was sold, but I was told by the bank that the first and second mortgages were combined into one new modified loan. I did not know the second mortgage was sold until month after the modification. When I was contacted by the collection agency regarding the second mortgage I sent a debt verification letter to the collection company, it was never addressed and I had no further correspondence with that collection agency. About two years  later I received a letter from another collection agency regarding the same loan. I again sent a debt verification letter. I received a letter from the collection agency stating it was under review, but still have not received any of the information I requested and am entitled to. Recently I have been thinking of selling my home and found out there is a lien on my home by the collection agency. When I called the collection agency they just transfer me from one person to another, they won't give me a direct answer, tell me they will have a supervisor call me back and they never do. Also, I have recently received statements from this agency and each time there is a different amount owed, sometimes higher and sometimes lower. It has been almost a year since I requested the collection agency to validate the " alleged '' debt with no satisfaction. 
NOTE : Both my first and second mortgages were listed on my bankruptcy which was granted to me.
This complaint is against XXXX XXXX XXXX. We have had a mortgage with this company for six ( 6 ) plus years and have had nothing but problems with them since day one. The first complaint is with the Insurance Claim Department. When the severe storm in 2014 hit our town, it nearly demolished our house. When we notified OCWEN about the damage they said we would have to send in an estimated total of the damage to them and our Insurance Company ( XXXX XXXX ). We had our contractor draw up a document showing the estimated damage and mailed it to OCWEN. After several weeks we called to see why we had not heard anything from them. OCWEN 's people said the original copy of the estimate had been misplace or lost and they asked us to send a duplicate copy. This happened over and over again and when we 'd call about this situation, the OCWEN person did n't speak or understand plain English so we got nowhere. We ended up sending the same paperwork to them 3 or 4 times. Then when they finally found the original estimate they contacted our Insurance Company and DEMANDED that the entire amount of the damage be sent directly to them. The Insurance Company felt so threatened by OCWEN, they mailed the entire check to them. Then OCWEN told us that they would only disperse 1/3 of the check to begin the project. This amount barely covered the amount of materials that were needed to get started on this project-not to mention paying the contractor or his helpers. We had to go through this mess of getting the money 1/3 at a time, sending in more paperwork over and over again, speaking to OCWEN 's people who did not speak or understand English. Then, three ( 3 ) years later we finally got our house finished. ( We had to borrow {$10000.00} for the final step because OCWEN would not release the last 1/3 until the house was finished. This was a very trying ordeal to go through and on top of that my wife was in the hospital when the storm happened and it was very hard on her. She was fighting an XXXX  XXXX XXXX which turned into XXXX. When she got released she was n't able to come back to her home because it was in shambles. She had to stay elsewhere until it was fixed up enough that her health would allow her to move back in. It was n't completely done by any means, but it was tolerable for her health. We feel like this could have been a speedier project of repairing or fixing our house and we should n't have to had endure all of the problems that we did.
I had a credit card with Kohls that went into collections back in XX/XX/2014. They are reporting the account on my credit report, listing an unpaid balance of {$570.00}. Recently, I tried to call them to resolve the unpaid balance, so the account would update as paid on my credit report. Kohls refused to accept payment from me. On top of refusing to accept payment, they are telling me that they also will not remove the account from my credit report. They are holding my credit report hostage by refusing to either 1. accept my payment or 2. remove the account from my credit report.
A " letter from XXXX named me as a merchant but I have never been nor have accepted payment to me by credit card as a XXXX ( retired XX/XX/XXXX ). They sent the letter to my legal residence rather than what our Town 's US Post Office requires us to use. Their Security Dept. I told me in early XX/XX/XXXX that the account " had never been opened '' because " it did n't look right '' & that no transactions occurred, but they sent a Statement or the XXXX reporting {$4400.00} in transactions ( including {$98.00} fees ) alleging deposit of {$4300.00} to my bank ( which my bank never received ), despite the phone assurance, then sent a XXXX form ( contradicting their phone statement & continued to send " Statements '' ( using the corrected address I had provided ) until XXXX XXXX in XXXX XXXX Office contacted them. They called to assure me that they knew that the account was fraudulent but refused to provide evidence of how it was opened or where alleged bank deposits were sent. Despite this assurance, I just received a collection notice from Transworld Systems Inc. for {$4700.00} ( for " XXXX '' ) which I immediately disputed with XXXX XXXX by phone. XXXX XXXX offers self-opposing facts, untruthful information & no useful service.
Reference Number from Citibank : XXXX In XXXX, 2018, I purchased a window blind on the XXXX XXXX website. The blind was listed in error for {$1.00}. After several weeks had passed, I did not receive the blind. I chatted online with XXXX, and they said the order had been cancelled due to the mistake. I asked them, how can they, let the order go through and debit my account for the price of the blind and then cancel the order more than a week later without my permission or notification. They agreed that it was handled incorrectly, and they would honor the {$1.00} price, because it was their error. They instructed me to reorder the blind, notify them with the confirmation code when the order was complete, and they would reimburse me the difference ( See enclosed text message ). 

So, on XX/XX/2018, XXXX debited my Citibank card ending in XXXX for {$170.00}. Eventually they credited me only {$24.00} and not the {$150.00} they originally promised. I would like to be credited the remaining difference of {$120.00}, which I was promised in writing by XXXX XXXX. I tried reaching out to them to correct the error and they refuse to do anything more. 

I was appalled at how Citibank Customer Service handled my dispute. When I originally filed my dispute, I provided Citibank with all the correspondence to resolve this problem. At the time I was getting ready to leave the country for the summer and informed the Client Care Specialist that I would not have access to a phone or my mail, was there anything else I needed to provide them with? I was told no. I also said usually you send a dispute letter to the house, would I have to worry about responding to that as well and the Specialist said, a letter would not be sent because I had furnished them with all the information they needed and that it would be simple dispute to resolve due to the written promise to reimburse by XXXX XXXX. 

I even attempted to re-open the dispute on XX/XX/XXXX ( Letter attached ). 

When I arrived home after my trip, there was a letter requesting more information from Citibank waiting for me. I then called to check the status of my dispute and to ask why a letter was send despite my being told they would not send a letter and yet they did. I was told that, they didnt know anything about a letter not going out and the dispute was closed, due to lack of information. 

Prior to leaving on my trip and when I first initiated the dispute, I faxed Citibank and they received, a detail timeline and all the chat screen shots of the conversation between XXXX XXXX and myself. I was told that all this information I sent, was more than adequate to resolve the dispute. The new Client care rep, said she reopened the dispute, I resent everything AGAIN, and waited, only to be told weeks later that this dispute was finally closed and there was nothing that could be done about it. She suggested I write to Client Relations ( which I did ) to complain on how the dispute was handled and hopefully Citibank might resolve this situation.
I was never late on my XXXX. I always paid on time. I never had a XXXX XXXX account, XXXX XXXX card is not mines, XXXX is not mines, XXXX mail dated XX/XX/XXXX I never had this account please removeand the 3 accounts below. Please help me. These are not mines they need to be removed from my credit XXXX bless XXXX XXXX  Act. # XXXX {$1200.00} Past Due XX/XX/XXXX Opened {$1200.00} High Balance {$1200.00} Creditor Contact : Not Available XXXX XXXX # XXXX {$520.00} Past Due XX/XX/XXXX Opened {$520.00} XXXX Act. # XXXX 30 Days Late 12.01.2017 Opened {$540.00} High Balance {$0.00}
My name is XXXX XXXX and I have a personal line of credit with Sam 's Club. I had an available credit balance of {$1000.00}. I paid my bill and an additional {$75.00}. After I paid my bill, Sam 's Club lowered my credit balance to {$800.00} leaving me to be over my limit by {$23.00} ; which has now negatively affected my credit. I have not missed a payment and when I called to resolve the issue, they did n't bother to give me a reason. I was told that the boss did n't take calls.
Attention XXXX and if possible XXXX and TransUnion Delinquent Account ; XXXX   XXXX XXXX for {$120.00} Date Assigned XX/XX/XXXX This delinquency is not mine. If this is regarding a XXXX XXXX Account that had been billed in XX/XX/XXXX this issue should have been resolved in XX/XX/XXXX. I contacted XXXX XXXX XXXX about the error in my account. After providing information requested they said they closed their inquiry. They said they informed the credit bureaus which they do business with and requested to delete their listing about this account. " However, because your social security was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notified. '' Now it appears this is being handled by XXXX   XXXX XXXX This bill was never mine. The address on the bill was to Same address but XXXX That person happened to have my same name I guess. It was a cable bill so it was specific to the address where it was routed to. In addition a believe my SSN and ID # did not match. Please Correct
Opened XX/XX/XXXX. Paid XXXX. On XX/XX/XXXX / payment made / confirmation XXXX. XXXX XXXX / XXXX XXXX. Account / XXXX. They forced me to make a payment after putting it on the credit report. Called and harassed me. it is still on credit report. They said they will take it off in 5 business days. Left multiple messages and called in got the run around..
I have a Capital One card with a 25.1 % interest rate, but it was higher than that for years. I have been calling for years to lower that rate but they never help me. I ca n't seem to get it down, and I am only working part time XXXX. I was laid off my full time job a year ago and I just want to get rid of that card. I also have another card with them and have always paid on time, and more than the minimum payment.. They just tell me to keep calling back and I do call back and get no results..
First off my mortgage lender ( Seneca mortgage servicing ) makes it extremely hard to get hold a live person to talk to over the phone ... and the web sight has multiple issues with the access to loan information or the web site in general. when talking to a loan rep on the phone the refuse to give me account info over the phone and tell to submit a request in writing this has been goin on for months is there any legal action that I can take to resolve repeated issues with this lender ... this not an isolated occurrence there is a long list of complaints on the internet and there customer reviews about there business practices.
i am behind in my payments due to very high interest in the loan, also due to this situation I will almost pay for the car very close the doble of the vehicle value at the moment off the purchase if we include penalties in late payments, and the high interest as you can notice with the papers that accompanied this letter also I have the situation of my mothers XXXX XXXX makes me skip many days at work .being late or leave early in my schedule working hours, I sent a letter requesting some help. this letter was annexed to one of the checks of the monthly payment, the exact date of the send of this letter I do n't remember. but they did receive the letter, the check was cleared I did not received any answer, I have been trying to refinance the vehicle but due to my situation I have been rejected, on the basis I do not meet their requirements of refinancing, like have a cosigner and the likes. Also I was told, that due to the conditions of the loan, it will be difficult for me to get a refinancing of this vehicle, I do want to keep the vehicle I make the effort to be current in the payment, but not always is that easy.27 payments already are being done and the loan seems it will never be paid off.
On XXXX XXXX 2017, I received an alert from my credit bureau that a collection account had been added to my credit report. The collection account was from Stellar Recovery, XXXX XXXX XXXX, XXXX, FL XXXX. The collection amount was {$1300.00}. The original creditor was XXXX XXXX. I have no idea where this account came from. I have not lived in an area even serviced by XXXX XXXX for almost 10 years. I request that Stellar Recovery immediately remove this incorrect account from my credit report. If they have any written proof of the debt, I request that they provide this to me asap. I have not had an account for at least 10 or 11 years. I request that someone look into the collection practices of XXXX XXXX, as I have heard nothing but horror stories.
The medical billing company, XXXX Medical Group, sent the bill to Medicare using the wrong social security number. The claim was rejected and it was immediately put into collections without any notice given. It seems to me that I should have been given the opportunity to clear up the bill before it was put into collections. On XXXX XXXX, we contacted XXXX and the correct SS # was clarified. The bill was re-sent to Medicare and the account was pulled from collections by XXXX that day. Even though the account is no longer in collections ( and in my opinion never should have been put into collections in the first place ), CMRE still continues to call and harass me. We 've told them multiple times to stop calling as this is a billing error that was already resolved. They still keep calling.
I have certified mailed in disputes 4 times asking Transunion to validate that the debt reporting on my credit file is actually mine and is correct. I asked for them to send me an original signed contract with my signature on it. I have never gotten any of this. Their investigations continue to come up as " verified. '' I have even emailed the ceo, XXXX XXXX, about this issue to see if they can look into it, I've gotten no response. I asked 4 times that under the fcra, if they can not properly verify, then they must delete the account and they have failed to follow the FCRA. I am going to litigate in small claims court and make them pay me for all of the 5 accounts on my report because of NEGLIGENT NONCOMPLIANCE if they continue to violate my federal rights.
I opened a XXXX checking at WellsFargo bank in XXXX to use periodically. I explained to the rep who opened the account my intentions. I used the account as discussed and last use was XXXX XXXX. On Friday XXXX XXXX, XXXX I logged into my account online only to see a notification my XXXX checking was closed. No prior notification was given. I spoke to a rep the next morning who had no care or empathy for the matter. After several minutes of complaining she finally agrees to send my complaint over to an internal department. I just received that call back from an individual who says he does not have access to my account but the disclosure was given at account opening and they are not required to give me any further notice. He was not going to take any further steps to research the issue and they are unable to reopen the same account. I am a 15 year customer who refinanced my car and establish other business at WF that I now regret. These reps are disrespectful and the only solution is to open a new account. So they force close accounts in a very quick time frame only to then make you open a new one. Is this the new tactic to make it seem they are opening lots of new accounts? It appears WF should be investigated further. I will take my business else where.
have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
XXXX XXXX /navient are not reporting my payments on the credit bureau just only the balance. So when I apply for a loan they tell me that I do not pay my student loans ( XXXX XXXX / navient ). XXXX XXXX /navient loans automatic comes out of my checking account each month for the last 4years. Please Please help me!