WillisBack/dataset-financial-user-claim huggingface dataset:
I deposited XXXX $ into my paypal account using the barcode from the paypal application on my phone.The transaction was complete I got a receipt, however the funds did not reach my account.This process has been reliable for me multiple times in the past and is usually instantly on my account or less than 20 minutes. 
I reported this issue to paypal, they asked for the receipt.I scanned and sent them a copy the receipt. 
They continued to tell me different lengths of time in which they would have taken to trace the transfer. 
They told me 10 days, then 72 hours, then finally today I suggested that their instigating and just want to financially harm me by making me settle in court or something. 
They responded by maliciously and intentionally misinterpreting that as legal action and said they could no longer help me and told me to write a letter to their legal department. 

So they basically intentionally refused to help me after provoking me for 48 hours and I am now out of XXXX $ which  was for emergency purposes to my child.
I opened an HSA account with my employer beginning in XX/XX/XXXX through HSA Bank ( a division of Webster Bank ). It was free as long as I kept my insurance plan with my employer. I ended up leaving my employer XX/XX/XXXX. However, I kept my insurance plan through COBRA. I believe the computer realized I left the company and began charging me a {$5.00} monthly fee. I was charged for three consecutive months. But then, it appears, HSA Bank received notification I was still on the company 's insurance plan. So, the fees stopped. The XXXX {$5.00} fees were charged in error. I have called HSA Bank three times to get the fees reversed. At first, I was promised they would be taken care of. On the third call, I was told they were charged by a third-party called XXXX, and that I would have to contact them. I also called them. They said they would resolve my fee complaint, but it was never handled. I then reached out to HSA Bank again via email and they still did not correct the fee error. It has now been more than 15 days with four phone calls and two emails with no resolution over {$16.00}.
The attached page shows a company called XXXX of XXXX Ohio sentt me a a check for XXXX and 53rd said there was something wrong with it. 53rd had charged XXXX in overdrafts at that time, so their settlement owed me 3 times that amount. XXXX XXXX also said he would refund the XXXX fee after a year. I was also owed a XXXX promotion as well. I am not sure what was wrong with the XXXX check from XXXX of Ohio.
I paid North American Credit Servies XXXX XXXX, TN XXXX XXXX or XXXX, {$55.00} towards account # XXXX. They sold the debt to another creditor and now tell me they have no record of the 2 transactions. My original account # XXXX and secondary account # XXXX. My payment confirmations # 's XXXX {$50.00} and # XXXX paid XX/XX/XXXX for {$5.00}. When I called to ask about the missing {$55.00} they told me to call the original hospital ( florida hospital ) for a list of payments. When I called the hospital they said they have no record. My debt was {$230.00}, I paid {$55.00} leaving {$170.00}.
There are unknown addresses showing on my Credit report. I have a few unverified accounts from companies I have never done business with as well. Yet according to the online credit report that I received less than days ago from the agency denied credit to me,  XXXX   XXXX  credit bureau issued the report that was used to determine my credit evaluation.    Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting.    In addition if you cant obtain this info you are required to delete this information off of my Credit report I am looking over my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below : 1.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   3.   XXXX   XXXX   XXXX   XXXX    4 .  XXXX   XXXX   XXXX   XXXX   XXXX   5.   XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX   XXXX   7.  XXXX   XXXX   XXXX     XXXX   XXXX   MY CURRENT ADDRESS IS   XXXX   XXXX   XXXX   XXXX    OHIO   XXXX
FedLoan servicing provided essentially zero support for individuals living outside of the US until about one year ago. In the meantime, recertifying an income-driven repayment plan was nearly impossible as the company had no capability of calling internationally to inform its international clients that a document was received or was in good order. Instead, a determination was made that my recertification was not properly handled and so FedLoan recommended that I go into forebearance deferment in order to give THEM time to process my recertification application. After this, the interest on my loan was capitalized and when I complained they claimed that this was my fault rather than their fault for not having efficient means for international clients to recertify income-driven repayment. I believe my only course at this point is to sue FedLoans, and they have agreed that they will not be revisiting the issue in spite of my entreaties.
Customer service states that a request in credit line increase led to a decrease in credit line when no visible changes t o credit score or rep ort were made. Shortly after the decrease in credit line, account was closed with no notice.
On XXXX/XXXX/XXXX, I purchased 3 items at a total of XXXX charged to my store card. Over the next month, I returned all three items. For some reason ( I can speculate but I wont ), my return was never actually processed and the balance remained on my card. This was clearly due to an issue on their end. I returned the items in good faith and expected the account to be credited. Bloomingdales instead wants ME to be responsible for their negligence. Of course, I did not pay the card because why should I be out of the items and my money? Bloomingdales is not entitled to both.
I have a judgment on my credit report that was not file properly after I paid off the judgment. The proper actions were not taken after I paid off the judgment. Even though my land lord gave a written statement that the judgment was paid. Please look into XXXX procedure of removing satisfied judgments. You can see the Plaintiff asked for XXXX Please pay close attention to the document you can clearly see that I only owe {$420.00} that was awarded by the judge to XXXX XXXX Used Cars. Then below you can see my counter payments I made to the bill that was awarded.
i have tried talking to XXXX about items on my credit file that dont belong to me and they keep giving me the run around i even hired a lawyer to help me remove these items off my credit file, i just cant deal with XXXX any more so im here with my complaint..please help.
Transunion fails to remove the XXXX XXXX XXXX XXXX account. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
My payment plan was income based driven, which needs to be updated annually. While I submitted the paperwork on time, and thought everything would be the same continuing into the next 12 months of payments, it mysteriously never made it to NAVIENT. Never received emails stating that my paperwork was n't received on their end and was completely blindsided when I saw that my payment had almost doubled. After frantically calling to remedy the situation, the gentlemen on the other end could really not care less and offered no other solution than to pay it or do n't. So I paid it, re-filled out the necessary paperwork, called NAVIENT to confirm this time that they received the paperwork and thought everything was settled. Wrong. This time around the same payment that I had been going with for years was now wrong, and my doubled payment remained the same. Completely aggravated, I call them back for the third time and spoke to a woman this time and provided me with the option to forebear a payment, which I find out any payment 's interest not paid under this option will automatically be added to the principle amount. Paying what I could, I went with the aforementioned option and was reassured that my monthly payments would now go to normal ( around {$180.00} ). Not even a few days later I receive two emails from the company, one stating that my next payment would be the doubled payment and the next email states that my payment would be {$220.00}. Now I still have n't called them back a FOURTH TIME to remedy the same situation, but it 's a little ridiculous to have to follow up this many times to give someone my money.
Due to XXXX XXXX XXXX cancelled or revoke my credit card, Now since my card is cancelled I never I stated or said I could n't be able to meet my financial obligations with this credit card as their letter shows from XXXX XXXX, 2016. Discover has engaged in a collection campaign with early phone calls ( XXXX ) and e-mails. 
I would like to ask the CFPB to further investigate my inquire and to make stop any of these activities since it was not my fault, I believe Discover doing this has broken XXXX or more Federal consumer Laws.
I got the loan check in the mail from Personal Finance Company. They mailed a check for loan and all I had to do was sign it and cash it ; which I still have that letter. I paid my payments diligently. Subsequently, Mariner Finance took over this business. I had paid out a money order 2 payments of {$170.00}, which Mariner claimed to have not gotten, which I honestly believe they had the money order. So, they had me to come in to discuss the missed payments. While there I was told about the missing payments and that they didn't receive it. So, I said I was willing to make those payments so that I will have the same payout date. But, the man handling my account was very aggressive as to having to rewrite the account, which I was alright with but I did tell him I wanted the same payout date. I'm filing this complaint as usey because I feel like they are recharging me and I'm again STILL paying a finance charge of {$570.00}. My problem is why after paying on this loan for 5 months previously am I still paying interest of {$570.00}. It just doesn't sit right with me. 
XXXX XXXX XXXX
Gold key cred for {$260.00}. It was open on XXXX XXXX, 2016. Do n't know what that is. Have no recollection of what that could be. Would like to dispute it. It 's an collection inquiry on my credit on XXXX.
I took out a loan in 2011 from Cash Call for XXXX The balance never goes down The interest on this loan was 139 %. I see where there is a lawsuit against them from certain states and my state Indiana is XXXX of them. I have stopped paying them since I already have paid them over XXXX. I guess if they try to sue me I will have to get a lawyer. I do n't feel I should pay them anymore money.
I have several discrepancies on my credit report that I have reported to the credit bureau. The credit bureaus have my name as XXXX XXXX XXXX and is incorrect. I have a collections that I disputed for XXXX and they do not have it listed as disputed and nor was it removed from my report. XXXX XXXX bank and XXXX XXXX is the same account and I have disputed that with the bureau as duplicated and nothing was done.Also, the amount is incorrect. XXXX XXXX is reporting something that was paid in XX/XX/2012 and showing as a XXXX balance. West Virginia Statute of Limitations on Debt Collection is five years. W. Va. Code 55-2-6 ( 1923 ). I have a collection XXXX XXXX for {$80.00} that is over five years on my file that is incorrect. I have disputed the record and it was not taken off.
On XX/XX/2018 the HR representative at my workplace notified me they received an employment verification request from a representative at RNNGroup. On the form they submitted to my company 's HR department they had the correct last four digits of my social security number. They also had the correct work location and correct email address for my work location 's HR representative.

They asked my employer to verify I was employed with them, if I was part time, full time or seasonal and for them to confirm the company name and address.

At no point did RNNGroup say this was in regards to a debt, but when I went on to their website, it certainly looks like a debt collection business - even though they don't say they are a debt collection company. When I spoke to the representative from RNNGroup, they told me I was on a recorded line. They also told me they couldn't divulge the client for whom they were seeking this information for - only their " executive team '' could do that. Their website says they do data collection, but it is all very vague.
The issue is with the Macys Credit Card. 
( 1 ) I did not receive statements for two months after my purchase XXXX the card was acquired in-store as a discount offer for items purchased that same day - immediate credit was granted in the store_. 
( 2 ) When I finally received the statement, there were late fees, which I contested. In the end, I paid the full amount ( with the fees ). I had spent a few days on the phone with the company trying to iron out the problems. My payment was for the balance IN FULL, on the XXXX of the month ( XXXX ). The payment due date was the XXXX XXXX. I was concerned that I would receive another late fee ( recall that I had been on the phone with these folks for several days investigating and discussing this issue ). The manager with whom I was working ( ID # XXXX ) agreed no further late fees would be assessed ; I paid the balance in full and closed the card on the XXXX of that month. 
( 4 ) The next month, I received a statement with a late fee. I refused to pay it. The agent insisted that the company waived the XXXX late fee, but not the XXXX. I spelled out for the agent that I had paid the XXXX late fee ( and any late fees prior to XXXX, even though I did n't agree with them since I had not been notified of the amounts ). The waiver she was seeing was actually related to the XXXX late fee. 

***FINALLY I was able to get through to the rep ( ID # XXXX ) and she agreed that the late and interest fees were erroneous. She informed that all fees would be removed - but that " it would take time, '' and that " I SHOULD CALL BACK '' to confirm. ( at this point, I had been on the phone over an hour ). 

She denied me several requests to speak to her manager. I begged for the manager ID, b/c I had already had this conversation in XXXX and clearly it was not documented correctly. She refused. I had to tell her that I would sit on the phone until I got the manager ID. Finally, she gave it ( ID # XXXX ). 

However, I received no verification of their agreement on the issue. In XXXX, I had already gotten agreement from another manager to have the fee waived. That clearly was not processed correctly, and Macy 's continued to charge my account late fees and interest. Now, I was supposed to just trust they would get it correct this time -- - oh, and call back to confirm that they did their job correctly. Again, I refused to hang-up the phone until I received some sort of documentation on the request for removal of fees and interest that they supposedly submitted. FINALLY, I received an Operation ID ( XXXX ). I have no idea what this is, or if it will help me with future conversations, but it was all I could get. 

Resolving this issue has taken at least 10 hours over 2 months. I believe Macy 's is banking on the fact that most people will not spend the time or effort, but will just pay. 

( 3 ) The company also reported my 60 day late payment to the credit agencies WITHOUT ANY NOTICE TO ME that the account was in collections. They claimed their notice of Collections Activity is " This is friendly reminder that your payment has not been received. '' That does not legally qualify as notice that the account is in collections.
I went through Van Dyke Mortgage and worked with an officer named XXXX. He tried to approve me for a mortgage loan, but could n't because I needed to pay off a few things first. I paid off those things and he then did a rapid re-score approving me for XXXX with the USDA loan. There were little to no options in that price range for a decent home. I then went through XXXX and worked with an officer named XXXX. She was able to get me down payment assistance and XXXX in a mortgage loan with the FHA loan. XXXX called me shortly after I started working with her and was very upset. He then emailed me an invoice for the rapid re-score. The bill was XXXX. I am very upset because he never disclosed that costing me and after speaking with XXXX, I found out it was n't legal for him to do that. She then gave me the link to this site so I could file a complaint.
Navient sent my student loan to collections. I came to a settlement agreement with the collections agency and paid the amount before the required date. Navient has still not removed the balance from my credit report. In addition, they sent the the loan to a new collections agency, even though the entire amount has been settled. Attached I have a copy of the settlement letter from the original collections agency, proof of payment and a copy of the letter from the new collections agency asking for amount that has already been settled.
I was shocked when I reviewed my credit report and found late payment on the dates below, and even though I had talked to representatives last month when the errors occurred. The rep of Toyota told me last month that they will remove the late mark on my credit due to internal errors and only to find out that this month they applied the payment wrong again. 

LATE MARK ON : XX/XX/XXXX & XX/XX/2018. 

I am not sure how this happened, I believe that I had made my payments correctly to you when I received my statements.
COMMONWEALTH FINANCIAL XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Creditor above is reporting erroneous defamation on my XXXX for some medical bill that is NOT mine! I wish to file a complaint against this debt collector If this debt is mine, send me a HIPPA signed document which they should not have since i never went to this company!!!
On XX/XX/2018. I made at {$310.00} payment and on XX/XX/2018 I made {$210.00} payment and they said I never made a payment on XX/XX/2018. My bank statement says I paid it. Then when I call them they called me a lier. And other names. Even there statement I got on XX/XX/2018 says I made it. They want me to call my bank at XXXX XXXX to get my money they stole .i even sent them from my bank my bank statement and they still say I didn't pay even though it was on my statement.
In XXXX XXXX, Navy Federal filed a claim for me with XXXX XXXX for me having involuntary unemployment. XXXX XXXX responded that they would be denying the coverage because at the time of the coverage, I was not working 25 hours a week. XXXX asked me about this, I stated to them that in XX/XX/XXXX, that I was not working those hours. The company continued to bill me. XXXX XXXX  advised me X/24 that Navy Federal owes me 3 years of back pay for the coverage that they knew that I was never eligible for. The bank had a supervisor and the supervisor stated that although I am not eligible for it, I should have cancelled it within 60 days of getting it and although I am not eligible for the coverage, they would continue to bill me. The company also refused to give me information for their corporate office to speak to the person who is over customer relations or give me any more information and stated that they would keep billing me and there is nothing that I can do about it. I am upset that they intentionally took my money and knew that I did not qualify for a product and still want me to pay for that product.
Please require Equifax to delete the items from my credit report, as Equifax has not fulfilled their obligation to verify the accounts according to the FCRA. 

I have tried disputing inaccurate information on my credit reports and Equifax has refused and failed to conduct a proper investigation. I sent dispute letters in XX/XX/2018 and sent reinvestigation letters in XX/XX/2018 and XX/XX/2018. Equifax has had a total of 90 days to investigate the inaccuracies and update my credit report, but they have failed to do so, and the FCRA now requires the items be removed. 

During the investigation process, the collection agencies sent me the records they have on file, which all included incorrect payment histories and the most blatant error was an account that is not in my name. 

Together with my reinvestigation letter, I enclosed a copy of my driver 's license and the collection agency 's record showing the account is in a different last name, but Equifax still came back and said that the account has been verified as accurate. It's as if the people who are processing these disputes aren't even reading the letters or looking at the contents inside of the envelope! 

On XX/XX/XXXX, I mailed my final certified letter to the Equifax Legal Department requesting that they delete the accounts on the grounds that they did not conduct a reasonable investigation within 30 days. The certified mail tracking number is XXXX. It was delivered on XX/XX/2018. 

I have attached the XX/XX/2018 letter and the proof that one of these accounts is in the wrong last name. 

Please demand that Equifax uphold their obligation to delete these items from my credit report.
Leopold & Associates , PLLC, a debt collection agency located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NY XXXX, has taken me to court in an attempt to collect a mortgage debt on which the statute of limitation has expired. In the State of New York, the Statute of Limitations is six years from the date of the last payment made. My last payment was made in approximately XXXX. Foreclosure papers were served on me in XX/XX/XXXX so even if we take that date as last payment made, ( which is not possible ) the six year Statute expired in XX/XX/XXXX. 

Leopold has all of the documents, mostly generated by the mortgage servicer, XXXX, that contains the date of my last payment, so they are aware that the six years had expired, yet they knowingly pursued the foreclosure action against me.
Allied Interstate calls repeatedly. Using different numbers thoughout the day. They contacted employers after being told to leave them alone multiple times. This has been ongoing since XXXX, daily including weekends.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report : Unknown Acct XXXX ( XXXX  ), XXXX XXXX/XXXX Acct XXXX ( XXXX, Transunion ), XXXX XXXX, AcctXXXX  ( XXXX  ), XXXX XXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX Acct XXXX ( XXXX, XXXX. Transunion ), XXXX XXXX XXXX XXXX/XXXX  Acct XXXX ( XXXX, XXXX. Transunion ).