WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/19 I added a XXXX XXXX to my PayPal account and set it as my method of payment. I paid {$100.00} for an invoice through PayPal and they took an unauthorized payment for {$100.00} from my checking account and {$100.00} from the XXXX XXXX I have on file. I essentially lost {$100.00}. I sent an e-mail to PayPal asking for an explanation and to get a refund. The first e-mail was an auto-e-mail with no useful info. The 2nd e-mail stated that I have to call the toll free number and speak to a rep. I e-mailed them back stating that it is difficult to communicate with them via phone because of long hold times. I tried calling and was unable to speak to anyone after a couple attempts and 40 minutes of hold music. I have had issues with PayPal previous for unauthorized transactions.
In reviewing all my payments to Navient over the past five years I have noticed that my payments amount against the principal has fluctuated. I have never been late and I need to know why in various month the amount of going against the interest has increased. To be exact this has happened on 11 separate payments.
I had a dispute with XXXX XXXX XXXX in regards to the accuracy on my credit report. I had wrote a certified letter on XX/XX/XXXX to them requesting validation with signature. They sent paperwork but never put it on my report that i was disputing it within those 30 days. I sent another letter on XX/XX/XXXX in regards to it and are still reporting it on my credit report when it is against the law.
This  XXXX  individual from  XXXX   XXXX   XXXX  keeps harassing me not only at my place of employment but he is now contacting my sister, my niece and nephew ( who are both   XXXX   XXXX   ) and have nothing to do with this. How did they obtain these numbers???? The constant back to back cals at my place of employment which can possibly jeopardize my job. I have made payment arrangements with them and have made several payments already. Due to unforseen circumstance, unfortunately because of financial reasons could not make the last payment which was scheduled for  X/XX/17   . I have already filed a complaint against the company however nothing has been done because they continue to harass me and my family.
I was current with my mortgage to Wells Fargo. The next payment was due XX/XX/XXXX. On XX/XX/XXXX I called Wells Fargo and told I was in Default and had not made a payment sinceXX/XX/XXXX. I have until XX/XX/XXXX to pay Wells Fargo XXXX or I will be Forclosed on. I have owned my home sinceXX/XX/XXXX. My mortgage statement shows that I am current with no late payments due.
XXXX Cell Phone  $XXXX collection company is ARC and I have never had a contract phone in my life! I have always been with XXXX XXXX and I believe that this is identy theft.  I have had problems in the past with this.  I am not sure of the exact dates I believe the XXXX XXXX said it was in. 2013. I would like this to be taken care of.
I recently opened a checking account with BBVA Compass. Originally I opted in for overdraft protection until I realized that the fees were being assessed though an overdraft was not processed. I spoke with a supervisor on XX/XX/XXXX and as he credited me a credit for over draft protection and I agreed to opt out of overdraft protection. On XX/XX/, I transferred {$35.00} to my checking account to cover a transaction that I was about to make. My transaction went through. I was charged a XXXX fee. When the funds were in my account. My account is a XXXX because I have been charged {$38.00} 3 times. 1 for my purchase on XX/XX/ and 2 additional of for XXXX and XXXX. If I would not have been charged {$110.00} ( 3 XXXXX ), I would have XXXX in my account. In addition, on XX/XX/XXXX I agreed to opt out of overdraft protection due to the fees. The representative advised that computer automatically assess the fees to the account. BBVA Compass need to fix their system. This is an unfair and deceptive act and practice.
On  XXXX   XXXX    , my  XXXX   XXXX  lease was transferred over to someone else. I received all the letters from  XXXX  saying that the process has been finished. After numerous times talking with   XXXX    they agreed to remove the account from my credit report, it has been removed from my   XXXX   credit report but it still shows as open with Transunion, i have not been able to force transunion to remove it because  XXXX  simply does n't respond.
Horrible consumer/debtor treatment. I settles that acct. Have yet to receive my letter stating I paid. I would like my release letter. I 've called numerous times, and have gotten the same response " we will send it out '' It is on a recorded line agreeing to pay {$200.00} of the {$240.00}.
In XX/XX/XXXX I took a loan out with Western Sky in the amount of {$2600.00}. I have since paid back over {$9000.00} to XXXX different companies, Western Sky, XXXX XXXX, and Delbert services. I paid what I thought was my last payment in XX/XX/XXXX and now I am getting calls from a company called the XXXX stating I owe another {$1600.00}. They are calling me at work after asking them not to, and calling my mothers home harrassing her and telling her she is involved and going to take her to court also. They told me if I do n't pay them in 3 days they will sue me. I need advice how to handle this matter.
On XX/XX/18. I called Citizens Bank On Line Banking and informed the rep. XXXX that the payment posted on XX/XX/18 to My XXXX XXXX XXXX   XXXX ( XXXX XXXX ), did not receive the payment. I also informed her that I have the confirmation # and on XX/XX/18, I submitted a request for an investigation be made regarding this matter. XXXX responded that she checked and verified that the bill was successfully paid an there were no returned payment and there is nothing she can do. I asked to speak to her supervisor. A few minutes later, XXXX XXXX XXXX, her supervisor, came he basically said the same thing. I suggested that maybe he can fax some kind of paper trail to XXXX XXXX. Something to help them track the payment. He gave me his direct phone # so I can get the fax # from XXXX XXXX. Unfortunately XXXX Had no fax #. I can contact them through my XXXX XXXX  secure email. I called XXXX XXXX back shortly after, and we made arrangements that he would fax me the info the following day - the XX/XX/18, and I would then email it to XXXX. XXXX XXXX never called or fax or responded to my calls on the XXXX or the XXXX.
I received a suspicious phone call from XXXX XXXX XXXX XXXX on XX/XX/2018. They didn't even introduce themselves and didn't say who the debt was for. I feel very scared about this and I immediately started crying. I need this to stop immediately. Please help me!!!
Equifax allowed personal information to be released, and a check with their website confirmed my information was comprised.
I am having issues with understanding my escrow statement from Nationstar. I am getting charged a USDA fee, which makes no sense to me. USDA loans from my understanding have the PMI paid up front. I called to get some clarification, but was hung up on the line after getting clarification. I just placed the call today at XXXX EST. Also the numbers do not add up on the bottom of the escrow statement. As soon as I start subtracting the numbers within the account history, they do not match. Hence this leads to confusion on getting actual numbers and why my payment got increased {$200.00} a month.
XX/XX/2018 I recieved my direct deposit and the moment i used the card the account was closed. I callsd bbca compass clear spend and they sent me to XXXX XXXX when i asked how i would recieve my money. I need the company to send me my money my check asap.
I turned in my XXXX XXXX XXXX in XXXX XXXX and leased a XXXX XXXX at XXXX XXXX. At the time of negotiating I was advised by the salesman that my excessive miles would be waived since I was a loyal customer. In XXXX of XXXX I received a bill for {$1300.00} for excessive wear and tear and mileage. The dealership never informed me of my right to have a pre-inspection completed. I called Toyota and spoke with a person named XXXX at the XXXX XXXX XXXX department and explained my story. She then informed she would get back to me and I never heard from them again. Today I was called by a debt collection company, XXXX XXXX XXXX and I advised I was disputing this. The collector was aggressive and said she would mail me the contract and since I had nothing in writing from the dealer I owed this. contacted Toyota again and they refused to speak to me since my account was in collections
XXXX was paid XX/XX/XXXX. The next correspondence was a collection notice XX/XX/XXXX.. 
If I had n't paid they would have sent me another bill and I did not receive any bills in all that time.
I paid off a debt I had to a college I attended, At the same time, I paid it off, I received a statement from a collection agency named Enterprise Recover Systems, XXXX, Illinois, that there was a current amount due. I explained that I paid it directly to the school and might have missed their correspondence, since I had just moved. They confirmed with the school and told me I was paid in full. I recently checked my credit report and notice I have them listed on my report and I called to discuss the matter. They claim that there is still a balance that is unpaid, I had asked them why did n't they send me any correspondence about a balance due. Instead they reported it and now it it listed on my credit report. She told me they do n't operate that way. How is it that I was professional enough to call them and address their XXXX letter and they are not professional enough to call me or send me a letter regarding a past due amount? Of which I already paid?
I was scam by XXXX XXXX XXXX XXXX. I was making payment to lower my student loan but turn out it was a scam i payed over 800 $ to them
I purchased furniture from Rooms to Go and used the financing from Synchrony Bank because they really pushed it. I paid off all of my debt the same week it was available for me to pay. A few months later I received a bill saying I owed more money. I tried to contact Rooms to Go several times and recieved no response. I then contacted Synchrony Bank and they advised me to dispute the charge and to not pay anything until they figured out what exactly it was, and when they did they would let me know. He told me to ignore all bills and just not pay anything. I never received any information on what the charge was for. I checked my credit score a few days ago and it dropped dramatically because they claimed I had a late payment when all I was doing was following the " professionals '' advice. They told me they would take care of it and let me know, but honestly after this whole experience I do not have much trust in them so I figured it would be best to contact you by myself.
I have several account that are reporting on my credit file incorrectly. 
1 XXXX XXXX have me listed as late never late 2 XXXX fraud account not mine 3 XXXX XXXX fraud not mine 4 XXXX XXXX fraud not mine 5 bankrupcy not mine must be mixed file
debt collector put an old bill on my credit report, and changed the date from a early date to a later date
Please see the attached letters. Both clients moved from the house, advised the City of XXXX, and then filed bankruptcy. The City of XXXX, WA code does not permit ongoing charges to a consumer for water bills if they advise the City that they are leaving the house and want the water shut off. The consumers did provide such notice. The City has failed and refused to produce its file for this account, and the debt collector, Puget Sound Collections ( or PSC ), and its attorney, XXXX XXXX, refuse to respond for demands for documentation. Additionally, the amounts keep varying by literally thousands of dollars, without explanation.
I took a {$40000.00} student loan from Wells Fargo ( formerly XXXX ) in XX/XX/XXXX. I started making repayments, over and above the suggested regular payments, from late XX/XX/XXXX and had repaid roughly {$30000.00} of the then {$46000.00} principal by late XX/XX/XXXX. I haven't made any repayments since XX/XX/XXXX ( ie, for more than eight years now ) because the next suggested repayment date after my last repayment in XX/XX/XXXX was  XX/XX/XXXX and I was under the impression that interest would not accrue on the remaining principal of about {$16000.00} while I am not making repayments. The online statements available on Wells Fargo website also did not show any accrued interest, which confirmed my view. However, when I recently dug into my loan details, I figured out that interest had been accruing and amounts to a whopping {$5700.00}. This takes my total outstanding obligation to more than {$22000.00}. 

I called Wells Fargo customer service on XX/XX/XXXX and requested them to consider waiving off the accrued interest because I was misled by online statements. The customer service rep registered my case and assigned a Wells Fargo analyst for follow up. The analyst did follow up on XX/XX/XXXX but could not offer any relief and my outstanding obligation remains at more than {$22000.00}.
Santander consumer USA I tried my best to ask them to split my payments for 6 months due to not employment and now receiving XXXX which ai n't much a month I really want to keep my SUV but Santander does not refinance loans and since they had help me in the past .. I owed way more on the vehicle than when I purchased it ... when I first financed the vehicle it was XXXX and now the pay off is XXXX I owe way more than what the vehicle is worth ... I am very hurt about this matter ...
On XX/XX/2016, this debt for { {$890.00} } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
On XX/XX/XXXX, I paid XXXX a collection agency to be removed from three co signed Sallie Mae loans. In XX/XX/XXXX, the loans were still on my credit reports. I disputed with all three credit bureaus and Navient/Sallie Mae. Navient said I had a XXXX   balance, and I was not attached. All three credit bureaus said that Navient told them the account was charged off/ and I still owed a balance. In XX/XX/XXXX, my lawyer was contacted by a collection agency trying to get the money again. In the years XX/XX/XXXX-XX/XX/XXXX, I have been denied credit because of this and as one bank personnel stated, This is the only negative thing in you report, it seems uncharacteristic based on your report. So finally I disputed it again. Now my credit reports have added the interest on the loan and my loans state that they are still currently charged off and I owe even more interest. My credit report score went down for the dispute.
The letter below is what I sent to XXXX requesting that they remove the unauthorized inquires from my report. They sent me back a response that said " The inquires listed on your credit report are a record of the companies that obtained your credit information ... .Your written authorization may not be required to constitute permissible purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist '' Furthermore, my request was not addressed by XXXX. Please investigate to have these items removed. Thank you, To Whom It May Concern : I reviewed a copy of my credit report and there are several unauthorized credit inquiries on me. I have listed the items below : XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact the companies listed above and investigate such occurrences. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. If you have any questions or need additional information, please contact me at address listed below. Thank you. Sincerely,
I am lodging another complaint against Ocwen Loan Servicing , LLC because they are committing fraud, submitting fraudulent debt and loan information and pretending to be a bank, mortgage lender, etc. The Office of the Comptroller of the Currency assigned me a case number on XXXX XXXX, 2015 and transferred the complaint to the appropriate supervisory agencies which are The Consumer Financial Protection Bureau ( CFPB ) and The Mississippi Department of Banking and Consumer Finance. The Mississippi Department of Banking and Consumer Finance, State of Mississippi phone number is XXXX or XXXX ( XXXX ). However, The Mississippi Department of Banking and Consumer Finance have not contact me nor did they acknowledge that they ever received the complaint. More importantly, I did a follow-up by calling to The Mississippi Department of Banking and Consumer Finance on XXXX XXXX, 2015 to try to find out about the progress of this case. An attorney with Mississippi Department of Banking and Consumer Finance stated that they would be contacting me about this matter. However, no one from this agency has contact me.Resolution : I am seeking compensation, legal responsibility fees, indemnity fees, pain and suffering fees and other legal remedies from Ocwen Loan Servicing , LLC because they are acting as a bank, mortgage and finance company, lender and they are illegally operating in the State of Mississippi and USA. I need The Mississippi Department of Banking and Consumer Finance to allow me to know what steps have been taken to prevent Ocwen Loan Servicing , LLC from acting as a bank, mortgage and finance company and illegally operating in the State of Mississippi. I need to now if any steps have been taken to prevent Ocwen Loan Servicing , LLC from committing fraud and operating in the State of Mississippi as a bank, mortgage company lender etc. ( See the enclosed exhibits ) Resolution : I am seeking compensation, legal responsibility fees, indemnity fees, pain and suffering fees and other legal remedies from Ocwen Loan Servicing , LLC because they are acting as a bank, mortgage and finance company, lender and they are illegally operating in the State of Mississippi and USA. I need The Mississippi Department of Banking and Consumer Finance to allow me to know what steps have been taken to prevent Ocwen Loan Servicing , LLC from acting as a bank, mortgage and finance company and illegally operating in the State of Mississippi. I need to now if any steps have been taken to prevent Ocwen Loan Servicing , LLC from committing fraud and operating in the State of Mississippi as a bank, mortgage company lender etc. ( See the enclosed exhibits )
Sacor Financial XXXX Inc has taken over the debt that I owed to a credit card. They take {$300.00} from my bank account on a monthly basis. I have asked if there is interest and do not get clear information. I have asked for a statement and was told that is not there practice. They only send me a reminder letter on a monthly basis reminding me they are withdrawing {$300.00} from my bank account. I have asked how I can keep track of the balance re : my payments and interest. They informed me they are under no obligation to do this and it is not their practice. They are not " set up to do that. I have called and emailed numerous times and XXXX XXXX XXXX - the only person who can help me is always out of the office. I have not actually spoken to him in XXXX months. I am not disputing that I owe money - I am asking for verification as to my balance on a monthly basis.
I purchased a XXXX mustang from a used car dealership in XX/XX/XXXX. The car had some issues, so I traded it in a few months later for a XXXX mustang. The dealership stated we could do an even trade of the value of the new vehicle to be the same as what I owed on the old one. So I took out a loan on the new vehicle believing the dealership was going to pay off the old one. A few months passed, I had to go XXXX, and I eventually found out that the dealership went out of business, did n't declare bankruptcy, did n't list me as a payee, and basically left me high and dry with twice the amount of debt I was intended to have.
I have a Chase savings account which has not been active for a while. Chase sent me a letter on XXXX/XXXX/2016 to inform me that they will put safeguard measures on the account in 2 month. When I called the XXXX number on the letter on XXXX/XXXX/2016, the online rep told me the account does not show on his desktop 's pull-down manual. If I want to do anything to the account I need to go to a branch. I opened the account when I was living in XXXX, but I have moved to XXXX, as reflected on their record. I can not make a trip immediately. Chase 's notification is misleading.