WillisBack/dataset-financial-user-claim huggingface dataset:
Due to the large amount of debt that I have incurred going to school, I have not been able to pay on both my private and federal student loans. When brought to the attention of my company, they simply say they can not lower the payments in any capacity to allow me to actually make payments and thus I have had to use all of my forbearance that I am allotted. I will have none left come XX/XX/XXXX, and they refuse to work with me on lowering any of my payment amounts so that I am able to make any kind of attempt to pay the loans off. I am living paycheck to paycheck because of these student loans and see no reprieve or even attempt to lower the payments so that I can actually make them.
The account holder settled the final bill with XXXX XXXX XXXX XXXX in full last XXXX 2016. XXXX XXXX XXXX  erroneously kept on billing the account although the holder requested closure of the account in XXXX, 2016 and vacated premised. 
XXXX XXXX XXXX continued to bill the account for the premises not occupied by the account holder. Account holder does not recognized the validity of the debt and requested XXXX XXXX XXXX to validate it that has not been done. 
XXXX XXXX XXXX transferred the account to the collection entity Harris & Harris in XXXX in error as the collection entity was advised in writing to stop any communication in regards to that disputed erroneous debt.
I have never received any type of communication that this is a debt I owe. If so, I would like to see that contract or agreement I made with this party that would show there was a contractual agreement.
On XXXX XXXX, 2016, Paypal closed my account without any valid reason. The following message is displayed right after I logged into my Paypal account : ***** We recently noticed an issue with your account. To see what you can and ca n't do while your account is limited, go to the Resolution Center. 
Why is my account access limited? 
Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2016 : We need a little bit more information about some money you recently received or withdrew. 
( Your case ID for this reason is XXXX. ) This limitation can not be appealed. 
***** The recent money Paypal indicated in this message, which I received, were around {$100.00} from cashback portal websites like XXXX, XXXX etc, and every single cent is traceable by its transaction name and source. I did withdraw them to my own checking account, however, I do not think it violated any Paypal 's policy or national laws after I carefully read Paypal 's terms and conditions and related regulations. 
Paypal closed my account with such groundless excuse and refused to further review my account, I tried to call in and email them via messages, explained everything patiently, but all I got were nothing but templates. 
Because of Paypal 's closure of my account, all of my eBay gift cards that are linked to Paypal are unusable. Even after calling in or emailing, Paypal still refused to unlink my eBay gift cards or return my money. 
I talked with eBay and they asked me to refer to Paypal for this issue, and I think eBay is right since it is Paypal that holds my money. 
Paypal has been doing this kind of illegal holding of one 's money all the time and I think it should be brought to attention.
We applied for a streamlined refinance on XXXX XXXX, 2015 with Freedom Mortgage. Initially, we were told the process would take XXXX3 weeks. Since that time, we have been through several processors at Freedom Mortgage, so we never know who to contact for questions. We have been promised several closing dates ... of which all of them have come and gone with little to no explanation. They stated once that part of a delay was they were waiting on us to send a subordination agreement ... of which I had sent them XXXX times previously for their approval before having my XXXX mortgage lender sign it. Then ... when Freedom approved the subordination, I overnighted the signed document to Freedom ... only to find out several days later that they needed the subordination changed. We are fed up with this process and do n't understand the consistent delays with the complete lack of communication.
I COMPLETED A TITLE SEARCH ON MY PROPERTY AND FOUND AN ABSTRACT JUDGMENT OF {$4300.00} FROM ASSET ACCEPTANCE LLC. THIS WAS A CIVIL JUDGMENT FROM  XXXX   XXXX  CIVIL COURT. THIS JUDGEMENT ALONG WITH THE ORIGINAL DEBT WAS PLACED IN MY CHAPTER  XXXX  BANKRUPTCY WAS WAS FILED IN  XXXX  AND DISCHARGED IN  XXXX . THE FIRST THING I DO WAS CONTACT THIS COMPANY ASSET ACCEPTANCE LLC TO DISCUSS THIS ISSUE. THE PERSON IN CHARGE OF MY ACCOUNT IS NAMED  XXXX . SHE STATED THAT THEY WERE NOT AWARE OF ANY BK. AND THAT I NEEDED TO MAKE A PAYMENT OR SETTLE TO REMOVE SAID LIEN. I EXPLAINED THE SITUATION AND SHE INSISTED ON MAKING A PAYMENT. I ASKED HER TO SEND ME A DEBT STATEMENT OR INFORMATION. SHE STATED SEVERAL TIMES IN ORDER FOR HER TO PROCEED I NEEDED TO MAKE A PAYMENT. SHE BASICALLY WANTED ME TO ASSUME A DEBT THAT HAS BEEN DISCHARGED IN BK IN  XXXX . AND I TOLD HER I WANTED THE LIEN REMOVED AND SHE STATED TO PAY. I STATED I WOULD GO TO CIVIL COURT AND GET IT REMOVED. AND I WANTED TO TALK TO HER SUPERVISOR. SHE STATED SHE HAD NO SUPERVISORS AT THE MOMENT AND THAT HER 'S WAS GONE FOR A WHOLE WEEK. I NEVER RECEIVED A CALL OR BILL FROM THESE PEOPLE AND THEY ARE STATING OTHERWISE.
I've contacted Simon Agency Inc regarding the report and they admit that the name is incorrect. However, they are still refusing to remove this false information from my credit. I informed them that I was a victim of identy theft and they are refusing to comply. 

Attached is a copy of the FTC report updating adding them to my fraudulent accounts.
I received this regarding there help. I filled all the paper work they required they even had woman come to my house for signature to begin the process. They have a connection to Global Client Solutions who was to make monthly withdrawal from my checking every month I was told they charge a small monthly fee, the law office was to take small monthly fee. They took a fee but far from small. I was told that I could access my account at any time I was finally able to access my account in XXXX and was shock at how money the law firm had taken and nothing had been done. I contacted them any revoke there permission to make any further withdrawals and to returm all my money.. A refund of {$950.00} was issued XXXX and another refund for bank fees was issued for {$79.00}. They kept {$1600.00} and they and have ignored all my request. I offered to settle for {$1200.00} and they again ignored my offer. I no longer will offer them a settlement offer I just want my total amount of money due me. I have emailed back and forth with XXXX XXXX and spoke on the phone once. XXXX XXXX XXXX, states that he is Non Lawyer but he is Practice Administrator and Director, XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Upon checking I did that he has worked for many debt settlement companies I tried everything to get my money back but XXXX has stead fast refused to give it back and has broken contact
This supposed debt was with originally with XXXX XXXX XXXX in XXXX of 2016. I disputed the debt requesting for validation and I never received any response and that collection agency deleted the debt from my credit report. Suddenly, I pull my credit reports in the month of XXXX and notice that a new collection agency had reported this debt and never sent any sort of notification prior to doing so. On XXXX XXXX, 2016 I mailed a certified letter to Enhanced Recovery explaining they had never sent any notification denying my consumer rights and reporting the item without proper notification and time frame to dispute the validity and I also requested validation from this company. I have confirmation my letter was received on XXXX XXXX and I 've still yet to hear anything from them but the supposed debt remains on my credit file and is hendering my credit scores.
XX/XX/2006- noticed that banking account with SunTrust had been depleted by unauthorized transactions. Contacted bank of fraudelent charges and submitted police report the same day. SunTrust opened a fraudulent joint account ( over the phone ) with someone pretending to be me and then allowed all the money in the account to be moved out of my account in a three day time period. Have been fighting to receive our funds now for 11 days without much success. The lead investigator XXXX XXXX has not given affadavits in a timely manner and does not reply to e-mails, or phone calls in a timely fashion. We have only received XXXX affadavits regarding the case and are still missing XXXX. At this time XX/XX/XXXX ( day 11 ) no money has been replaced in the account. Recieved one case # affadavit at the end of business day Friday XX/XX/XXXX, notarized and scanned on XX/XX/XXXX and also sent certified mail on XX/XX/XXXX. Still have not had recieved any stolen money replaced into account. We hired a lawyer to help navigate and the company refuses to provide our lawyer with requested information.
I have an account with Credit Check total. I logged in a few days back and discovered within XXXX weeks a number of unauthorized inquiries processed with about XXXX weeks spend of each other. I am not activity seeking credit a this time SO I require a removal of all unauthorized inquires as this is not right! 

I have now enclosed two items with My address which I judge to fulfill your requirement for a complete investigation : 1 ) My State Drivers License 2 ) My full credit report from Experian Credit report showing my address
XX/XX/XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX To Whom It May Concern : I am writing to correct my personal information on file with your company. Please update my name with the correct spelling : XXXX XXXX XXXX XXXX remove employers and phone numbers as they are not relevant to my credit history. Please update my address to : XXXX XXXX XXXX XXXX XXXX, NC XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I have tried numerous times to get this remove and they will not comply.
I owe a balance to Bank of America and I have been paying more than the minimum due amount for the past 2 months. The amount showing in my credit score does not reflect the amount that I actually own the bank.
I had a XXXX XXXX credit card and my limit was decreased. I have never had a high balance, nor did I ever have a late payment on this account. 

I just received notice today that they closed my account, but to continue making payments. My balance is a mere {$200.00}. 

This is completely unfair as now this credit card has decreased my credit score twice now. One for decreasing limit, which is understood, but two closing my account for nothing that I have done wrong is going to affect my score for the worst. 

How is this allowed?
I had a Mortgage with XXXX  XXXX in XXXX while on XXXX XXXX in the XXXX this was XX/XX/XXXX, in XX/XX/XXXX the Mortgage crisis hits and Bank of America assumes my XXXX XXXX Mortgage # XXXX. In XX/XX/XXXXthe XXXX sends me Orders to report for duty in XXXX, VA. I was able to make payments on this house until my retirement in XX/XX/XXXX, I used my savings till it dried up in XX/XX/XXXX. That was the last time a payment was ever made on this loan, for a house that I haven't lived in since XXXX! In XX/XX/XXXX they transfer my Loan back to XXXX XXXX! In XX/XX/XXXX XXXX XXXX   Transfers my loan to XXXX who reports my loan in a Negative Status until it is finally Foreclosed upon in XX/XX/XXXX, and then doesn't get reported to the Courts until XX/XX/XXXX. I have been denied credit for a Foreclosure since XXXX, and the fact that I refinanced my XXXX  XXXX in XXXX, paid it off completely when I sold the home in XXXX. Financed a brand new XXXX XXXX in XXXX, it too is completely paid off, but I am still being denied credit in XXXX because of this Fraud to my account! I do not feel like this is fair to a XXXX Veteran that served his country for 22 years 7 months an 10 days to continue to deal with this Fraud and Abuse to a XXXX Veteran  of this country! You can't report both loans! Thgis is Fraud!!!!!
I made a payment to my Avant Credit Card, after reading their payment processing policy, I made a {$100.00} payment on XX/XX/XXXX @ XXXX XXXX Central Time. On XX/XX/XXXX I received an email saying that the payment had posted to my account. The payment had also cleared my checking account from which I made the payment. On XX/XX/XXXX my account was still not showing the payment as available credit on my credit card. I contacted XXXX XXXX XXXX XXXX and was told the payment would not reflect as available credit on my card until XX/XX/XXXX. I asked why seeing that the payment had cleared my checking account and I had received an email from the XXXX XXXX XXXX XXXX on XX/XX/XXXX saying that the payment had been posted to my account. XXXX XXXX XXXX  XXXX made no offer to post the payment even after I called their attention to their own credit card payment posting policy outlined on their website. This is basically steeling, as they are charging interest on purchases that they have already received payment for days ago. I have listed their payment processing policy below exactly as it appears on their official website, but apparently they are not responsible for being truthful with their customers. 

" " XXXX  Payments How can I make my payments for the XXXX? 

We have a few methods of payments available for our XXXX customers. You are welcome to register your checking or savings account to your file here at Avant and can set up either recurring payments through our AutoPay service or initiate one-time payments on the dates you prefer. Additionally, you are welcome to submit paper check or money order payments to the following address : Avant, XXXX XXXX XXXX XXXX XXXX, WI XXXX When submitting paper check payments, we request that you provide the following information on the check : Full name as it appears on your statement Last 4 of your credit card account number Note : Credit Cards are not an acceptable method of repayment for the XXXX. Payments must be received by XXXX XXXX Central time to be credited as of that day. 

Why does my payment status for the XXXX say " pending ''? 

A payment to the XXXX will be in a pending status for overnight processing. If a customer initiates a payment before XXXX CT on a given day, the customer will receive credit for making the payment that day. However, the payment itself may be in a pending status until the funds are received and have cleared from the customer 's financial institution. Once the payment clears, the customers current balance will be adjusted to reflect the payment amount theyve initiated. 

Can I choose/change my XXXX minimum payment due date? 
At this time, XXXX does not allow our customers to change their payment due date. We apologize for any inconvenience. " ''
On several occasions as a borrower, I have attempted to call both the local and head offices of this company, CashNetUSA, to find out what my balance was. I may have done this within just a few days of my last payment, but was told that information was not available to me. I would have to wait until the close of the next billing cycle in case there are " changes. '' I argued that there are changes all the time to the balances in my checking account, and the bank has no problem making those real-time immediate updates. 

During XXXX of my inquiries, when I wanted to know what my balance would be in about XXXX weeks from that date IF I did NOT use my flex loan amount to take out any funds from my account. 

I could not be provided that information either, but evidently the representative was slightly rattled and " almost ' '' told me what my balance would be on that date if n further transactions occurred. 

Seems t me if banks and credit card companies and and DO provide this up to the minute, real time financial data to it 's customers, there is no reason CashNetUSA could not do the same thing. 

What was the purpose, I wanted to know, in this " XXXX '' the company kept from it 's customers? As I saw it, the customer had the right AT ALL TIMES to know what their actual balance was. 

I got nowhere on any of my attempts and so I am brining my complaint to you. 

Frankly, I think CashNetUSA is taking liberties with the funds of its customers, but with so little forward and backward account documentation to go on, it is hard to tell. 

Is that perhaps, by design??
I HAVE HAD A FRAUD ALERT ON MY PERSONAL CREDIT FOR THE PAST TWO YEARS AND NUMEROUS INQUIRIES ON MY CREDIT HAVE SHOWN UP BY WAY OF FRAUD AND WITHOUT MY CONSENT. THE OTHER TWO CREDIT REPORTING COMPANIES HAVE HONERED MY FRAUD ALERT ON MY PERSONAL CREDIT AND HAVE REMOVED INQUIRES I HAVE NOT AUTHORIZED NOR SIGNED FOR. TRANSUNION HAS FAILED TO DO SO. THE FRAUDULENT INQUIRES ARE AS FOLLOWS : 1 ). XXXXXXXX XXXX-DATE XXXX-NOT MINE AND DID NOT AUTHORIZE 2 ) XXXX XXXX XXXX XXXX CAPIT-DATEXX/XX/XXXX-NOT MINE AND DID NOT AUTHORIZE 3 ). XXXX XXXX XXXX-DATE-XX/XX/XXXX-NOT MINE AND DID NOT AUTHORIZE
This letter is to dispute inaccurate credit information present in my credit report for the amount of {$180000.00} initially reported on XX/XX/XXXX by Chase bank. 

Back in XX/XX/XXXX, I entered into a contract agreement with Chase bank to Short Sale my property in XXXX XXXX XXXX, FL., which took place on XX/XX/XXXX 
On the closing date, I signed the HUD forms and notarized all related documents per the closing agent instructions ( XXXX. ) and submitted my final payment of {$620.00} as required for the closing and transaction was closed. 

A year after the Short Sale transaction, to my surprise, I started receiving collection letters and settlement offers stating that amount of " {$180000.00} '' still owed and due to Chase Bank. 

Immediately after, I started contacting Chase Bank trying to resolve the issue by faxing and forwarding copies of the " Short Sale Offer Confirmation '' letter executed by Chase that states that " we will waive the remaining deficiency balance on the account totaling {$180000.00} '', which it seems to be ignored and/or overlooked by the Bank all this time. 

Subsequently, after calling Chase Executive office and talking to representative who was going to look at my case closely for a resolution, I got no clear answer. Few days later, in XX/XX/XXXX, I contacted Chase bank and spoke with XXXX XXXX XXXX from the collection dept. who suggested me to fax copies of my documents for further investigations, but as many times before her response was n't clear and wanted me to " settle '' the debt for less in order to move forward. 

According to XXXX and her supervisor, my original " Chase Short Sale Offer Confirmation '' from Chase was " superseded '' for whatever reason and a " new '' " Chase Short Sale Offer Confirmation '' is now in place stating the amount of {$180000.00} is still owed to Chase. 

According to her, my original " Chase Short Sale Offer Confirmation '' letter releases me " only '' from interest on the property, but not from the debt? This statement is vague and confusing to me and defeats all of my intentions for short-selling the property in the XXXX place. 

Enclosed are copies of the HUD settlement statement, the Chase Short Sale approval letter and Short Sale closing documents to support my position. Also, I 'm enclosing a copy of the XX/XX/XXXX collection attempt from Chase. 

Please feel free to contact me if you have any questions or if more documentation is needed to resolve this dispute. 

Thank you very much.
1. My personal financial information including my tax returns, bank statements, and payroll stubs were sent to my real estate agent from my mortgage broker without my consent. 
2. I did not receive my loan estimate for over 3 weeks after I applied for the loan 3. Was informed in an email that I had loan approval from the broker then later informed that the investor had never received any documentation to determine loan approal. This was discovered 4 days before scheduled closing. 
4. The broker has misplaced or lost my personal documents 3 times and is now requesting it be sent a fourth time. 
5. This is with Academy Mortgage in XXXX, Tx Loan officer XXXX XXXX Branch Director XXXX XXXX.
GM Financial has been reporting late payments on my 3 credit reports for 2 months now. 
The financed car with GM Financial was involved in accident back on XXXX and XXXX XXXX found it total loss and paid off the car back on XXXX. But this company is ruining my credit history without valid reason.
I submitted my loan towards XXXX XXXX a few months ago for XXXX XXXX. Today I have received a letter in the mail stating that {$25000.00} was sent to collections. This is not correct. I filled out a loan for the amount that I owed XXXX college and it confirmed that the loan was all set. Now I have this {$25000.00} in collections and can not go about paying for this without a loan. This will be under my belt for the rest of my life. I was never notified that it did n't go through or that the money was going to be sent to collections. I 'm very upset that this has happened and would like to solve this problem asap. Whether that means taking the money out so I can process the loan again or I 'm going to have to find other ways for this to be solved.
i was an american express card holder in good standing, had pay over time feature, in XXXX i charged a large bill, soon after theycancelled my charge over time feature, without notice and started charging me late fees. despite all my efforts to talk to them about, this unfair action they went ahead and cancelled my account witch had a lot of reward points, by saying my credit was bad,, which was not true as i had been with them for XXXX years, and had charged and paid almost XXXX dollars in 2015. all my efforts to reinstate my account have failed, i had told american express, that i had no problem in paying interest on account and will pay off my balance with in 2-3 months. This has been very unfair, All i want was to re-instate my account, charge me interest and i will payoff the balance, but they have refused to reinstate my account, confiscating lot of reward points that i had accumulated, over time, please HELP
Wells Fargo is reporting incorrectly on my credit report. The loan was assigned to XXXX and said it would be removed. They are no longer the servicer for this loan. The loan number has change. They sent me a letter with no address for the new loan number. I have call several times and Wells Fargo has wrong information in there system. I 'm currently in a bankruptcy and the property was surrender. This should had been removed form both loan in XX/XX/2015.
There is a hard inquiry that I did n't authorize from XXXX 2017 completed by XXXX.
Hi, I recently pulled my credit report and found out that there was a bill listed as late on my credit report that I was unaware of. I contacted National Account Systems of Omaha who had apparently been contracted to collect the debt to resolve the issue. I was fully willing to make payment in full, but requested that they remove the debt from my credit report. During the conversation with a XXXX XXXX XXXX, he was hostile, and argumentative. He stated that they had tried to send numerous requests to my home in XXXX, XXXX ... I live in XXXX, XXXX. He tried to charge me an additional {$160.00} on top of the {$110.00} that is in question. He stated that I was trying to bully him into removing the debt when I stated that I know my rights as as consumer and mentioned that I knew I could contact you for assistance on the matter. 

I simply tried to resolve the matter as soon as I realized what was happening, and streamline the process by contacting them directly. If you could help me get this matter resolved I would like to move on past this. If there is any additional information that I can provide for you ; please let me know. 

I greatly appreciate your time and assistance in this matter. 

Highest regards, XXXX XXXX