WillisBack/dataset-financial-user-claim huggingface dataset:
During XXXX and XX/XX/2018, I was charged numerous fees in excess of {$300.00} and checks corresponding to the fees were returned. Many of the retruned items, linked to the fees, were less than the returned item amount. I was charged {$39.00} on item returned for {$19.00}. This is an unfair business practice that makes profits for the bank at a consumer 's expense. I am happy with the bank but not happy about the exhorbitant fees charged to me recently.
I sold am item on XXXX being an XXXX XXXX and part of this condition was only shipping the item I sold to a VERIFIED Paypal member along with person having to live with in the united states. The auction ended and the person made the payment by PayPal. Paypal immediately put a hold on the payment to ensure the buyer got the item. The item was received proof of tracking # was XXXX by XXXX as this showed it was delivere and PayPal has this information. Now paypal is saying since it was shipped to the US and the buyer was XXXX that they are continuing to hold the payment for their safety. My issue is why did paypal take this payment in the first place if this was going to be an issue. They not only changed me the normal fees, but I can gurantee they are making interest off the money until they if ever release the hold on the payment of XXXX. The date the buyer sent payment was XXXX XXXX. I shipped the Item on the XXXX and he received the item on the XXXX. The payment Payment ID is the following XXXX. I am asking Paypal to IMMEDIATELY release this payment as they made me the creditor where it is their business model and I should n't be the creditor as I shipped the item and the person received the item as promised in a timely manner. This is unacceptable as PayPal wants to have their cake and eat it to and leave the responsibility to the seller and not take any blame on themselves. If they do n't want foreign transactions they could of simply blocked it and saved me a ton of headaches. The person has the item I have nothing other than a hold on they money the buyer sent me. This is an awful was to conduct business
I have recently obtained a loan using the title of a property I owe ( paid cash ) to purchase another property. Late on XXXX I received a statement regarding delinquent taxes. I contacted Zinc Financial and also the title company, XXXX XXXX XXXX  regarding this issue, and either one, is taking ownership to resolve this issue. Is the mean time, the delinquent has increased to {$480.00}.
I have very high interest on my credit cards and when calling the companies they never will lower my interest rate, yet when I call XXXX XXXX XXXX they can get lower interest rates. Why are these not available to the XXXX through the credit card companies rather than having to go through a Debt relief. I am paying all of my bills on time however the interest rates are so high I ca n't get them paid down. Every time I call, the companies say there is n't anything available. Why ca n't they offer a lower interest rate to consumers rather than having to go through a debit relief company which I do n't want to do. These rates were all raised in 2009 before Obama said no rate increases in interest. I was involved in Hurricane XXXX at that time evacuated to another location for 6 months and was still receiving my mail XXXX.so I missed some of the offers to not increase the interest rate. I feel that the consumer is not being treated fairly with not offering the consumer similar lower interest rates that a debt relief company can offer. Please help with this issue.
I was a XXXX with a friend who bought a XXXX. 
in that process he opened XXXX XXXX and needed merchant service accounts ( servicing all the credit card trasnsactions ) at all XXXX locations. I had to sign the merchant service agreements for all XXXX locations for a five yr term as his credit was n't good enough at the time. After 2 years all the stores had failed. The Merchant service company -First Data wanted me to pay for the {$540.00} a month for each store after they were closed for the remaining 3 years. I offered to send them back their equipment and told they are no longer offering any service. They wanted a settlement figuire for a substantial amount. I was trying to work out some arrangement with them so I offered a {$100.00} a month for as long as they wanted the payments to be made. They wanted some lump sum settlement and then they filed on my credit report that it was " Bad debt & placed for collection & skip ''. This is what is reported under XXXX. XXXX shows it as " Charged off as bad debt ''. 
It has caused my credit score to drop seriously.
United Consumers , Inc constantly attempts to collect debt from me when my insurance company ( XXXX ) already made the payment. I spoke to representative from United Consumers explained my situation and e-mailed EOB from XXXX but few months later I continue to receive letters from them. Agent from XXXX contacted United Consumers and faxed over EOB and I have asked United Consumers to setup a conference call between their client, XXXX and them but they refuse to do this. All they 're saying is they will send the EOB back to their client ( XXXX XXXX XXXX ) and go from there. I am very frustrated because this is just going in circles.
I have a credit card through elan financial. 4 payments have been made on my account by another party totaling XXXX ( approx. 1. 1400, 2. 2900, 3. 9800, 2. XXXX ). This occurred over the period of a month. I called after the first one and the removed it add applied in error, but then another appeared, I again called and this time changed my account number. Then two more payments appeared, they said the account number change did n't matter since they forward it for a year ( which I should have been told in advance ). Now I ca n't make my normal payment because it does I 've over paid ( my balance was less then 200 ). One they find where these payments belong and I can finally pay I 'm going to be charged for finance charges because of there mistake ... Also the amount of the payments seems like money laundering but they have ignored my repeated calls.
This complaint is on XXXX XXXX for failing to correct credit bureau reporting. I have been a customer in good standing with XXXX XXXX for at least ten years but have rarely used my card in the last few years. XXXX XXXX has had a history of charging my card without my knowledge after new vehicle purchase. It seems like the dealer might be providing my credit card information without my consent. This occurred in XX/XX/XXXX and XX/XX/XXXX and both instances were disputed and the charged amounts were refunded by XXXX XXXX. As a result of these fraudulent charges, my credit card went 60 days late as I was not aware of the charges and I do not use the card. The credit card company agreed the charges were fraudulent and reversed both late payments and the interest charged. However, they have not corrected the late reporting to the credit bureau.
I was forced out of my job last XX/XX/XXXX. I applied for financial help after I found out my husband decided not to make the house payments. We were separated at the time. I had no income and was unemployed. I was approved up through XX/XX/XXXX. I reapplied in order to get an arrangement as I am now employed and want to keep my house. My husbamd and I have reconciled and now have more income to add in. While working with Wells Fargo on applying for additional payments, I received a letter stating i needed to pay over {$11000.00} by XXXX or I would go into foreclosure. If I am working with them on trying to make arrangements, I thought they were not supposed to be sending out letters like this. Also, I was trying to communicate with the employee who was supposed to be working with me on this. I called him on several occasions and left messages for him yet he never called me back to discuss any of my options. I am trying to do everything I can to pay them to keep my house but they wo n't work with me in any way and wo n't accept my money. I am at a loss on what to do, Wells Fargo wo n't even try to give me a chance now when all I want is to work with them.
Ive disputed a chapter XXXX bankruptcy several times XXXX, XXXX and XXXX XXXX to no avail. It is inaccurate but XXXX refuse to correct it or remove it.
I received the results of the Transunion investigation about XXXX XXXX 2016. Today, a few minutes ago, I contacted TU customer service because the results notice had no phone number for me to call to find out how I can request a description of how investigation was conducted with business name, address, and number of source of info. Also I have no idea how to add a XXXX word statement to my credit report. The TU customer rep said TU has no info about the investigation and I should call the CFPB.
it's fraud I didn't apply for credit cards or loans it was my XXXX  XXXX son who lives with me my XXXX  XXXX son doesn't know that my credit and my name and social security number and my address are my own and only for my use due to his XXXX  XXXX hurting his reasoning i don't want to pursue any criminal charges or law enforcement presents in the matter because he's XXXX  XXXX hurts his reasoning he wouldn't have known that my credit and my name and social security number and my address are my own and only for my use
XXXX XXXX XXXX is attempting to collect a debt not owed by me and has not verified any information regarding this dept. They are also illegally trying to collect a debt from me because they are not legally licensed in the state of Texas as a Debt Collection Agency. This is against the law per section 392. 101 of the Texas Finance Code. They have submitted false information about me to the credit reporting agency and it should be  removed immediately.
Mid to late XXXX, I wanted to trade my car in so I checked my credit to see what kind of rate I might get. I noticed that there was a hard inquiry on my report listed by Capital One. I found the inquiry alarming because I was dealing with fraud where an individual opened up a XXXX XXXX account using my name and social security number and I was receiving letters regarding car loan applications I never applied for! The Capital One inquiry showed up one month after I opened up a XXXX credit card. I 've been with Capital One for years, I have a checking, savings, Platinum, and XXXX card which were all in excellent standing. I contacted " All Clear '' my credit monitoring service to assist me with the matter. XXXX the representative from " All Clear '' and I contacted Capital One to inform them of their error. We were able to speak with a representative in Capital One 's fraud department and explained that there was a hard inquiry showing upon my report one month after I opened my XXXX card. I opened my XXXX card ending in XXXX, in XXXX of 2014, that inquiry hit the credit bureaus on XXXX XXXX, 2014. The erroneous inquiry showed up on my report with the date XXXX XXXX, 2014. After explaining the situation to the representative, it was clear there was either a clerical error or fraudent activity happen. The representative said that they would pull my initial application and check what was on file and see if there was a second application for the date in question. We were asked to follow up in a week or so. XXXX and I followed up a week after the initial contact with Capital One and their fraud department and were told that the application had not been pulled, but they believed it was a clerical error and they would more than likely remove the inquiry from my report, but it was a different department which handles that. We checked in several times after seeking status on our request, only to be transfer to XXXX incompetent person after another. We were told that this is a fraud case now and Capital One restricted and suspended both of the credit cards I have for years and paid promptly on! I received a letter in the mail stating the card ending I pin XXXX, was now closed due to fraudent activity! What!!!! They removed the incorrect inquiry on my credit report, and left the XXXX XXXX, 2014 inquiry on my report. Thank about incompetence. Later realizing the gervious errors they made instead of apologizing they made they changed my card number which was in good standing to a different number. They said they would not issue me another card, but would leave this card open for payment and if I wanted the card reinstated paperwork would follow ( which it did ) that I would have to fill out and have notary stamp and witness. This was their mistake no thank you, I do n't want any of your products. XXXX and I called Capital One weekly almost on a daily basis to get some resolve and recourse for the problem they have caused with no avail!! To add insult to injury along with no call backs from a supervisor, they are reporting me late on my credit report on a card account that does not mine. Please help me!!!
I was notified by the police that I am a victim of identity theft. I requested a copy of my credit report. There are several addresses listed on there that I never used or lived at. One of which is XXXX XXXX XXXX, XXXX, AZ XXXX. Address ID XXXX
I have been receiving robocalls or human calls from central credit services, INC, ( claiming to be a debt collecting agency ) XXXX XXXX XXXX and other numbers originating from different area codes across the country multiple times a day asking for a person other than me, hanging up after picking up the call, etc. I have spoken to a few of them and asked to take off the list, however, calls continue to come in. if i do not pick up the call, they leave me blank voicemails which fills up my voice mail box to the limit.
I received a letter from Debt Relief Center, XXXX XXXX XXXX, XXXX XXXX, XXXX, Az XXXX stattng I owe an estmated {$27000.00} in credit card debt, they can reduce it to {$13000.00} if I join their program and pay them {$400.00} a month. I do not owed anything close to {$27000.00} in credit card debt. Based on what I have read online, the phone number they give as a contact number - XXXX goes to a call center. I have filed a complaint with the XXXX XXXX XXXX. 
I have never heard of this business. Where they stole my information I donot know, yet.
I think I disputed account but not 100 % sure. I do know that I never received any communication from collection agency ( certigy ). I did receive communictions from a different collection agency asking for payment on XXXX returned checks from XXXX which I paid XXXX 2013. Certegy is reporting that the account is open and that I have XXXX late pays. Certigy should be reporting acct closed and no late pays. I never set up any payment plan with Certigy or first collection agency that was assigned my account. I also requested validation and received no response.
I  XXXX   XXXX  files a dispute with the Consumer Financial Protection Bureau to request a review that my rights to a mortgage modification be protected. For approximately one year I had an attorney file two Chapter  XXXX  bankruptcy petitions on my behalf, when all along I could have been protected by the expanded Fair Debt Collection Practices Act of  XXXX   XXXX ,   XXXX  . There was no reason for me to be personally injured as far as my credit standing goes, since a mortgage modification would have been so easy to accomplish. For this reason, I want  Wells Fargo Home Mortgage on notice that I will be submitting a full modification package, requesting principal reduction and a placement of back interest to be applied on the back end of my mortgage. Since I will be request a modification package, I request that Wells Fargo Home Mortgage respect my rights and maintain a hold on any foreclosure notices as mandated by the Fair Debt Collection Practices Act. Accordingly, I place this notice so that the Wells Fargo Home Mortgage division is aware of the seriousn ess in my modification request.
Us Bankruptcy  XXXX  I went to the courts they have nothing matching my social security. They could n't give me proof because they do n't report to the credit bureau. They told me they could not help because they do n't have any record for me.
On  X/X/2017  I received a letter from The Huntington National Bank.
This letter requested that I send them {$3300.00} within 30 days in order to implement a loan.
I have never applied for a loan with this company. I have never heard of this company.
The reasons stated for requesting the {$3300.00}. was allegedly because my credit report that Huntington National Bank requested from  XXXX  was so negative.
I have checked with   XXXX   and our history has always been clear of all problems Huntington National Bank wrote that the following reasons attributed to their request for money from us : A : " Low credit score of   XXXX   '' Nonsense ... .We have an Excellent credit score of  XXXX  B : " The number of our accounts with delinquency is to high '' Nonsense ... ..We have an impeccable history ... .no delinquencies ... ever ...
<P/>
C : " To few accounts currently paid as agreed '' Nonsense ... ..Our credit reports, dating back as far as you want to look, including their alleged source,  XXXX , show all accounts have always been paid as agreed D : " Length of time loans have been established '' Nonsense ... ..We only have   XXXX   loans plus credit cards that are paid in full every month.
<P/>
I talked to Huntington National Bank this morning and expressed my concern that : # 1, I did n't request a loan with them ... .ever ...
# 2- the information contained in their letter to me regarding our credit is highly inaccurate.
I made it clear that my credit reports had better not reflect anything due to Huntington National Bank invalid and inaccurate statements.
My wife and I take great pride in maintaining our credit ratings and are offended by the misuse by Huntington National Bank of our credit history I 'm concerned that it might be possible for a bank to prey on the elderly and with intimidation, force loans that were never applied for.
<P/>
My phone discussion with bank personnel did nothing to assure me they were the least bit concerned with what I thought.
My Ex-husbands Health Insurance paid the portion allowed as per the CPT codes for payment. Thery are billing me for their price. There is no need for extra payment if they were paid by the health insurance!! I had my Attorney send a letter in XXXX of 2014 with no response as well. I will refuse to pay these teo bills!
Around XXXX 2007, my son enrolled into XXXX XXXX XXXX, where we were directed to apply for federal loans through XXXX XXXX ( now Navient ), of which I received a loan of {$20000.00}. I began making payments to this loan six months after that. We have been making payments to this loan for around 10 years. Every year, the monthly payment amounts billed increased. We have been paying this loan consistently to this day. Due to our request for aid the monthly amount billed is {$150.00} per month. We keep in contact with Navient to keep it at an amount that we can pay based on our situation, which is only due to our efforts. The reason we are upset with Navient is because that the principal loan amount has remained the same, regardless of our payments, ever since we began this loan.
XXXXloancare purchased my account from stongate mortgage. My payment was XXXX with taxes, interest, and principal. Insurance is paid in full and not inside the payment, as per the closing Docs. Upon purchasing my loan. loancare autodebited the right payment, and then then immediately raised the payment to XXXX the escrow being taken out was XXXX every month. The total expenditures from that escrow account are XXXX per YEAR. I applied for a another mortgage on a different piece of property and put my current obligations as a XXXX mortgage payment. when they asked for proof and I went into my loancare I realized that they had been debiting my account and extra XXXX for a couple of months now. I reached out to them numerous times to fix this, and even helped trace the error. Numerous times I was told that they would fix within 48 hours and drop the payment down to normal. Its been 3 weeks and nothing. When I requested an email or something in writing to show the bank that Loancare was in fact in error and they will fix it, so they do not think I lied on my mortgage application, they refused. I have a {$10000.00} deposit at risk, and I will probably lose my approval because it looks like I lied to this bank. The last person I spoke to was XXXX XXXX ID XXXX who refused to allow me to speak to a supervisor and refused to let email me anything to explain the situation to the bank I was applying for a mortgage with. That 's a big loss for a family to take because of an accounting error on their part.
I was checking my credit report and a derogatory mark appeared for a balance of {$730.00} from XX/XX/XXXX and was just reported on XX/XX/XXXX. I have not received anything in the mail, nor have I received any emails or phone calls regarding any sort of derogatory mark. This now says that the amount has been " Placed for collection. '' If I would have not checked my credit report I would have never known that this was ever out there.
This is in rebuttal to previous complaint XXXX against RoundPoint Mortgage. 
First off regarding the response I get back- There are six indiscretions already and two more if you count the ( not once but twice ) incorrect addresses by which you sent the certified letter. Is n't it easy to see why I have to raise the complaint to another level. 
The one issue that raises the biggest concern is this- You service the loan for XXXX and in light of the unusual circumstances and legal issues surrounding this case, do n't you think it is deserving of this situation to inquire instead of blindly assume that XXXX would not want you to reflect accurate reporting of this loan. I quote - '' The investor of the loan did not request we stop reporting the account to the credit bureaus. As such, we reported the account to the credit bureaus. '' Hello? Someone pick up the phone or send an email to legal department, i.e.. XXXX XXXX and ask the question ... .. 
If accurate reporting is the ultimate goal here, can you see why it is wrong to report me as delinquent for 180 days or more when 1 ) there seems to be no indication that XXXX was in the know on this and 2 ) I was n't in the know on this? Did I receive or can you show where I acknowledged by signature or any other legal means of proof that I was informed of this loan being reported as delinquent because I came out of a forbearance status? In fact, it was not a forbearance status at all. It seems this was just a category to drop this loan into when XXXX agreed to partner with me in litigation against the builder. Again, if accurate reporting is the goal here, BLOCK all months and accurately report what it truly was! This is not because I could not pay or would not pay! So ask yourself, does it reflect accurate reporting? 
Lastly, why does it take 4-6 weeks to change what you have already admitted has been erroneous reporting?
Hi! So I'm making regular online payments on my auto loan faithfully but now the company says they will be charging a fee if I don't sign up for automatic electronic payments. 

Is this legal? 

I thought we had a choice in how we make payments.