WillisBack/dataset-financial-user-claim huggingface dataset:
I opened my account with Chase on XX/XX/XXXX. 
My account was in good standing and paid on time. XXXX credit report attached. 

Chase billed me for {$81.00} for the annual account fee. Statement showing due XX/XX/XXXX attached. 
{$81.00} Bill paid on XX/XX/XXXX Chase closed the account on XX/XX/XXXX. XXXX and XXXX statements attached showing $ XXXX balance. 

I called them in what I believe was early XXXX after having received a check from Chase for {$81.00}. They told me to cash the check and fax a written reply to request reopening of the account to their Correspondence Team at XXXX. 

I deposited the {$81.00} check in my checking account as instructed in approximately XX/XX/XXXX. 
Having noticed that my account still showed closed, on XX/XX/XXXX, I requested automatic bill pay in the amount of {$81.00} to Chase. Chase did not accept payment, see XXXX XXXX  payment history attached. 

On XX/XX/XXXX, I faxed the Correspondence Team to request reopening my account and notified them of incoming {$81.00} on XX/XX/XXXX. 

After seeing that the status of my account was still closed after the XX/XX/XXXX request, I forwarded the same XX/XX/XXXX request again through their secure correspondence message system on XX/XX/XXXX. 

They notified me in writing on XX/XX/XXXX through their messaging system that they would not reopen my account. 

Account remains closed effective today XX/XX/XXXX.
I submitted a 609 letter to the credit bureaus the accounts were removed for a week and placed back on my credit report
I paid off my TJX Rewards Card ( Synchrony Bank ) on XX/XX/XXXX ( cleared my bank ). This is a week later and TJX has not credited my account. They claim my payment arrived, however have been holding funds for a week.
XXXX XXXX XXXX XXXX acct no.XXXX and XXXX XXXX XXXX XXXX  acct no. 
XXXX are two collection accts showing on my XXXX  and Experian credit reports. 
on XXXX ONLY security credit services llc acct no XXXX is showing as a collection with no balance. 
ALL ARE INACCURATE FOR THE FRAUD OF THE ORIGINAL CREDITOR.EACH ACCOUNT IS FOR THE PURCHASE OF A SOFA.IN BOTH CASES THE SOFAS WERE CONSTRUCTED DEFECTIVELY AND BEGAN TO COME APART WITHIN THE 1ST 30 DAYS OF PURCHASE.WITHIN 90 DAYS THEY HAD TO BE DISCARDED AS REFUSE. 
I APPROACHED THE ORIGINAL CREDITOR IN PERSON REGARDING THIS SCAM. 
LIKE THE FRAUDSTERS THEY ARE THEY OFFERED ME A XXXX DOLLAR CREDIT ON EACH SOFA WHICH I REFUSED.
Vehicle was deemed a total loss. Insurance have requested letter for payoff agreed amount. Refused to speak with insurance company on 3 way call with borrow to inquire anout letter. Hung up on us the borrow 3 times in one day after wait time to speak to the loss dept was an hour wait time. Would not provide names or mangement for escalations. Stated will not assist in the Gap indurance process. Was rude and nasty with us the borrower and insurance rep. Phone numbers listed on payment voucher is incorrect and also there website. We just want to pay the loan off amd they refuse to assist and will not speak to us. I have asked for management names they would not provide and only sent me to a voicemail.
I am a NJ XXXX account holder. Account # : XXXX My vehicle license plate number is : XXXX My account is current, and is enrolled in auto pay. For some reason my tag is not being read in NY, and I've accumulated 32 toll violations. 

I have no idea why my tag is not being read and why I keep getting violated and not recognized under NY XXXX tolls as a NJ XXXX client. 

Please refer all the outstanding tolls ( and subtract the violation amounts ) directly to my NJ XXXX account. 

I see no reason why I should be forced to having to pay toll violation fees in addition to actual toll value, as I am an XXXX account holder. If NY and NJ uses different XXXX facilities, they should be labeled accordingly and not be held under the same umbrella. 

Otherwise, I will be referring these toll violating methods to the Attorney General Office in each respective states, for predatory practices.
XX/XX/XXXX RE : American Education Services XXXX XXXX   XXXX XXXX, PA XXXX RE : Mishandled Payments Not Credited To My Account Dear AES : The following payments have not been credited to my account as is required by contract and law, which is resulting in incorrect information regarding total balance due on my student loan repayment, thus prohibiting and extending my loan payoff : Payment Made XX/XX/XXXX for {$100.00} Payment Made XX/XX/XXXX for {$100.00} Payment Made XX/XX/XXXX for {$50.00} Payment Made XX/XX/XXXX for {$50.00} These four payments appear to be lost in your system somewhere and have not been appropriately posted / applied to my loan repayment plan. These four mishandled payments at different times is a lot and may go well beyond the occasion of carelessness. These loan payments have not been applied or posted by either AES or XXXX. 

To resolve this matter immediately : 1. I request credit for all of these repayments made to repay my student loans ; 2. I request interest be recalculated for the life of the loan to include these repayments at their proper time frames and those dollars credited towards my payoff. 
3. A new readable printout statement showing complete payments, plus interest, and principal paid, with a new lower principal balance and payoff amount. 

For convenience and to quicken the investigation, I sent AES verification that payments were made as stated above and recent copies of the Account History with no indication that payments were ever posted. Corrections to my account need to be made immediately before the next statement and prior to any further payments due. 

I thank you for your immediate attention to correct this gross mishandling of student loan payments made to AES. I look forward to immediate correction. 

These issues have been reported to AES several times including in writing, via their internal Internet, and via telephone. Copies of Statements have also been sent to AES. Personal information is available upon request.
I suffered XXXX XXXX ang a XXXX XXXX and several other health issues. Became delinquent on our mortgage payments. Took about two years and a lot of effort but a mortgage modification was offered. We paid the three trial payments as stated in the modification contract. 3 payments of {$2100.00}. All stipulations in the trial modification period have been satisfied on our part. Modification was accepted by both parties. Paperwork signed, notarized and sent. Contract states as of XXXX/XXXX/2016 all documents are automatically modified. Made payments on XXXX/XXXX/16 {$2100.00} for XXXX & on XXXX/XXXX/16 # XXXX for XX/XX/XXXX. received bill stating I owe for XX/XX/XXXX still. Without permission used payment for escrow and part on XX/XX/XXXX? Turns out they say my payments needed to be {$2700.00}! Have talked to XXXX+ loan mod. reps but not answers, no return calls! They refuse to apply my payment where it belongs and never adjusted my interest rate! It is 5.25 when it is supposed to be 3.25 according to contract be XXXX/XXXX/16! Now they want {$2700.00} for XXXX! They violated the modification contract in several ways and refuse to abide by the modifications!!
In  XX/XX/XXXX  I took out a mortgage loan with  XXXX   XXXX   XXXX ,  XXXX . for the amount of {$380000.00}. I was promised a low interest rate and a low monthly payment, as advertised. The lender did not fulfill its promise ; the mortgage monthly payment and interest rate were higher than promised ; and it only kept increasing. I defaulted on my mortgage because I could not keep up with the increasing mortgage payments and inflating interest rates.  <P/> On  XX/XX/XXXX , there was an assignment of mortgage filed with  XXXX   County Clerk 's offic e. The assignment of mortgage assigned the mortgaged from  XXXX   XXXX   XXXX ,  XXXX . to  XXXX   XXXX . On  XX/XX/XXXX ,  XXXX  started a foreclosure action against me for the mount of {$370000.00} which is about {$14000.00} from the original mortgage 9 years earlier but I already had paid over {$200000.00}. How is that possible?  <P/> I also never receive any bank statements from  XXXX    XXXX   instead I receive mortgage statements from Everbank which is a party that I am not familiar with.  <P/> I tried fixing the the problem several times. The last two times were trying to do a loan modification which was denied  XX/XX/XXXX . The I resubmitted another loan modification application on  XX/XX/XXXX  which I have not receive an approval or denial yet. Everbank seems to take for ever to process my paperwork. It seems like they do not care whether I paid them back or not, they just want me out of my home which I am trying to repay.  <P/> I am a victim of the housing crisis and I feel that there is fraudulent element to what is happening to my mortgage loan.
I had a case opened with Transunion here is the case number : XXXX which was resolved. I received a copy of my credit report and I verified that the XXXX account balance were updated to zero. I just pulled my credit report and the balance reflected right now is not zero, it has gone back to the old balance again. This is the original complaint " I had XXXX credit card accounts with XXXX banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported XXXX accounts on my personal income taxes XX/XX/XXXX, and paid accordingly XXXX. The account has been written off and taxes have been paid on the amount forgiven, XXXX bank has been given the tax write off but they are still reporting a full balance for XXXX account on my credit report. It should be reported a zero balance as the debt has been cancelled/forgiven, the have already taken the tax write off XXXX and now they still want me to pay in order to report a zero balance to the credit bureaus. This would be double dipping for XXXX bank, getting the tax write off and then still collecting the cancelled amount on XXXX accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment. XXXX
I just wanted to do my part in taking down Navient for the unethical way they have handled my Student Loans. 

I have 5 individual loans totaling {$17000.00} the five are a combination of subsidized and unsubsidized loans, vary in amounts and interest rate. 

But the commonality shared between all of them is the fact that I am upside down. Owing more than the amount I initially borrowed. Not through any fault of my own ( outside of being an indecisive student making an attempt at college only to discover it is n't for everyone ). I was forced into multiple deferments, not given the option to keep paying as I attended school and as a result I now owe more than I borrowed, understood when you factor in interest, but not understandable when you factor what was accrued as a result of Navients practices. 

I am not attempting to get out of my responsibilities, though I would love my debt to be wiped clean as Torah calls for, after seven years, I understand I signed my name on the dotted line and must repay. But, I do below that I owe less than my current amount shows and want to be reimbursed for the amount accrued due to forced deferments. 

Navient deserves to be out of business for what they have done. They have taken advantage of people and are the epitome of predatorial financial institutions.I hope my complaint provides US DOJ with more ammunition to put this company in the grave where it belongs! 

CROOKS!
My husband had opened a citibank checking account approximately in 2001. He had a credit line also on the checking account which I wasn't even aware of. When we married he put me on as a secondary signer. My husband filed bankruptcy and Citibank decided to attack my credit which I find incredibly unacceptable. I don't even work and that's why my husband added me in the first place. I wasn't even contacted which is ridiculously unprofessional. I'm even a customer with several credit cards and a checking account which are all in excellent standing as a loyal customer. I'm disgusted and want to know who did this, who's responsible for this incorrect tarnish on my credit history which I take pride in?!? 
Please help me fix this error : )
First, I would like to thank you for assisting with my first complaint # XXXX about OCWEN LOAN SERVICING LLC. Next, I want to open a new complaint because I sent them an QWR on XX/XX/XXXX and they responded to myself and CFPB by electronic mail on XX/XX/XXXX. And yes while OCWEN did send out a response to both of us, so that would be complying to Section 2605 ( e ) of the Real Estate Settlement Procedures Act ( RESPA ) which requires that they respond to " qualified written requests '', they again did not send me the information that was requested by me. They sent out a response to us stating that my concern was addressed to them on XX/XX/XXXX and that according to them my concern was with the Law Offices of XXXX XXXX which was never a question to OCWEN when I was writing them asking them for information at all. This information that OCWEN sent to you is false. OCWEN again is still not doing business in the State of Maryland by the rules, and that is why the State of Maryland is not letting the do business in this state. According to all of the information that I am receiving, I am not sure where my payments are going, but reading the information on the case file that Maryland put out, the XXXX # XXXX is a part of this paperwork and it looks like my money is going somewhere but not sure to whom or where it is going. And also I found out by an Real Estate Agent that this alleged loan was put in for 50 years which was revealed through a credit report they he pulled, this is something that OCWEN did not disclose to me. The things in my first QWR that I asked them for were not furnished to me or the CFPB. They stated that they WILL NOT RESPONED TO QUESTIONS THAT DO NOT RELATE TO THE SERVICING OF THIS ACCOUNT, BUT all of the items that I asked them to show be documentation for is related only to my account. So, I would like to know how or who I need to contact to get OCWEN to get me the information that I requested in the QWR that I mailed to them via U.S. Postal Service Return Receipt on XX/XX/XXXX. The second page of my letter show the items I asked them to provide to me. Thanks for your help with this matter.
I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I want this account to show XXXX balance and be reported to all credit agency in the time manner
For the past two yearsAsset Recovery AssociatesPhone : ( XXXX ) XXXX Box XXXX, XXXX XXXX, IL XXXX XXXXww.arainc.usHas been calling myself, family and third parties at my employment threating regarding a debt not owed. This might be identity theft. However they will not respond to repeated demands to stop harassing. This has escalated to blatant fraud on their part by pretending to be calling from court clerk and local police using an APP that fraudulently shows the phone number of those agencies. I have contacted those agencies to verify that no messages where sent from those numbers. The main complaint is that they are contacting myself, family members and persons at my employment for debt not owed, will not provide details on the alleged debt when asked, threaten that the police are on their way etc. I believe these tactics go beyond civil infractions to criminal fraud by impersonating government employee 's and agencies.
XX/XX/2018 My bank account went from {$190.00} to $ XXXX on account of {$610.00} of coinbase fees and {$100.00} bank insufficient funds fees. I called coinbase customer support to freeze my account and start a customer support ticket. The operator then told me my account was frozen and a specialist would look into the issue. After concluding the call i then get more notifications of account activity for the transfer of currencies from my account to some other. I then recall coinbase and explain my situation to another agent and they tell me my account had not been frozen but they will freeze it now. At this point i no longer have access to my own account. The phone number had been changed without my doing or consent. I got a notification that they where changing the email of my account and i had told the operators not to change it as it was not my email nor was it created by me. Yet it was changed and i can not access my account or its funds if they are still in my account. My bank has reimbursed me for the fees but i still had bitcoin in my account to the tune of XXXXXXXXBTC  when my account was hacked/hijacked. I fear my Bitcoin was traded away to another account and even if i resume access to my account it will be gone. I have since closed the bank account associated with my bitcoin for fear of more charged of which my bank would not cover. Ticket # XXXX I have received no response from coinbase about my issues.
I have a car loan with Ally financial. My bill pay did not pay one month in XXXX 2015, and I did not know this since it is an automatic bill pay. I paid for XXXX on time and they charged me XXXX for a late payment charge. I think this is excessive and unfair practice. That fee is over 80 % interest rate which is loan sharking. No bank that I know of can charge that much for a late fee. I want to know why it is so much and why they have a right to charge that kind of a fee for being late for one month.
I have been a loyal customer with the U S Bank for over 50 years. Ive had both personal and corporate visa credit cards throughout the years and have consistently paid the monthly payments on time. The interest charges have always been competitive and consistent with my other banks. Although, recently the US Bank substantially increased the interest rate for no justifiable reason. I have contacted the US Bank card services to come up with a solution to this situation but unfortunately the US Bank is not willing to work with me to get the payments back to a reasonable monthly payment. As a senior citizen age XXXX on XX/XX/XXXX of this year, being on a fixed income has put my wife and I in a financial bind. I can understand an interest rate change for customers that consistently make late payments, but in no way should a rate increase be made to a long lasting customer that has made monthly payments on time for many years to current. I am asking for your help to get a resolution to our problem, as well as making sure this does not happen to any other elderly customers that are compliant with US Bank.
I believe that the loan I have with this company is illegal in the State of Florida and may be considered predatory lending. The original amount financed is {$1000.00}. APR is 654.12 % with a total finance charge of {$2400.00} over the life of the loan. Semi monthly payments of {$280.00} began on XX/XX/2018. Most recent payment made was XX/XX/2018 and the last payment is scheduled for XX/XX/2018. Payments are being debited from my XXXX XXXX checking account via ACH. I would like to know if I am within my legal rights to rescind my authorization for ACH debits and to place a stop-payment with XXXX XXXX. If I do this, I don't believe that Amplify Funding can legally still collect in Florida since they are governed by a Tribal Lending Authority in another state. Loan agreement is attached.
Was pre approved for a loan. 2 weeks later loan was not funded, however they re ran my credit and caused my score to drop XXXX points. then they declined the loan for the score drop even though no information had changed in my consumer credit report
I have had accounts with PayPal since XX/XX/XXXX. The first in XX/XX/XXXX the second was canceled due to a problem with an order I sold on eBay. I had another issue with PayPal in XX/XX/XXXX and another in XX/XX/XXXX. I was under the impression that these were cleared up since I was able to open up a PayPal account under my same social security number that I used for the other accounts. I have had the newest account for several years now with no problems. Last week I sold several items on eBay and I was then told by PayPal that they were restricting my account access and seizing my funds to collect on money they believe I owe from XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. The amounts they claim I owe is {$170.00} from XX/XX/XXXX, {$700.00} from XX/XX/XXXX and {$530.00} from XX/XX/XXXX. I lived in XXXX at the time and them I moved to XXXX in XX/XX/XXXX. There is a statue of limitations in XXXX for debtors to collect past debts of only 6 years, and in XXXX the statute of limitations is 3 years. The law is clear that they ca n't seize my funds after 12 years. If they do n't want to do business with me I completely understand but there 's a statute of limitations for a reason and it has long expired. The PayPal account in question is under the email XXXX. And under the social security number XXXX and under the phone number XXXX. They also canceled an eBay order I placed for a XXXX for {$560.00} and they seized the funds from that order. This is Illegal. Please help me to resolve these issues with PayPal. Thank you for your time.
Someone opened a cell account in my name. I disputed it with XXXX and XXXX, while XXXX deleted it because the account is not mine, XXXX did not. The name of the company is RECEIVABLES PERFORMANCEAccount Number : XXXX
I signed up to use PayPal so I can use my own current ( personal XXXX credit card to pay for a friend 's wedding. Without my knowledge or consent, PayPal ran my credit report and signed me up for their credit account. I 'm infuriated that a company could do this without informing the user of the mobile/web experience. I 'm trying to purchase a house, and this incident will affect this process.
I got a letter from XXXX XXXX, XXXX for a debt owed to XXXX in the amount of {$440.00}. The date on this letter say XX/XX/2018. They said that they verified it but I have no idea what they are talking about and if I did, what they provided wasnt proof of verification.
THIS WAS DISCHARGED IN BK IN 2012 AND THEY KEEP REPORTING IT TO MY CREDIT AS RECENTLY AS LAST WEEK.
I 've back and forth with these credit reporting bureaus, and they are just abusing and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass 5years I have not been able to achieve or get any promotion due to the false report of my credit files.
I had a fraudulent flood insurance policy taken out on behalf of my mortgage company ( Nation Star ) and rolled into my escrow account. On numerous occasions proof of new zone/mapping areas where sent to highlight and prove that flood insurance was not needed. I live on the XXXX floor of my building where FLOODING would never occur. 
My mortgage payment ballooned from {$1600.00} to {$2200.00} from one month to the next. 
As the policy was the most exuberant one, it was {$2400.00} for the policy - my XXXX only cost XXXX. 
I was late in paying my XX/XX/XXXX bill and had a foreclosure package delivered to me the XXXX week of XXXX. My credit score has gone down XXXX points for this horrific and erroneous mistake. The Florida Supreme Court has filed a class action law suit against them, as they defrauded XXXX customers out of their homes. Nation Star also owns the insurance company XXXX XXXX in which the fraudulent insurance policies where processed. In addition to the fraud, I was denied a refinance to assist me in my debt and change lending companies. 
Can you help me?
I have not applied or received any oaday loans but one is listed on credit report. Called the copany and confirmed not my accout but collection agency still has not removed from my credit