WillisBack/dataset-financial-user-claim huggingface dataset:
A few years back, I signed up with a dating service called " XXXX XXXX '' while living in Georgia. Per the contract, " XXXX XXXX '' falsely claimed to provide me a certain number of dating matches who met my specified criteria. They falsely claimed that their candidates were pre-screened to eliminate people who were married or had criminal records. They falsely claimed that matches between candidates were matched by trained psychologists and other licensed professionals.They failed to meet contractual agreements, yet charged me and refused to refund monies I paid for services they did not provide. I relocated and recently pulled my credit reports in which a collection agency, " Omega RMS LLC '' is falsely claiming that I owe three separate amounts to " XXXX ''. " Omega RMS LLC '' falsely reported to the XXXX credit bureaus that I owe {$1600.00}, {$2300.00}, and {$2700.00}. I sent a debt verification letter to " Omega RMS LLC '' dated XXXX XXXX 2016, sent certified mail with return receipt, with the request that " Omega RMS LLC '' notify the XXXX credit bureaus of the fact that I was disputing these false debts. I requested that " Omega RMS LLC '' validate the debt by sending me the following : Copy of any original contract with my visible signature and date, Proof that " Omega RMS LLC '' is the original creditor or servicer, Amount of the alleged debt, Name of the creditor to whom the original debt is owed, a copy/verification of any judgment, proof that " Omega RMS LLC '' is licensed to collect debts in my state, Proof that they have met and provided the contractual obligation ( s ), guarantee ( s ), promise ( s ), and or service ( s ) as stated in the original contract. On XXXX XXXX 2016, my letter was received and signed for at XXXX by a representative of " Omega RMS LLC '' named " XXXX XXXX ''. As of today, I have not received a debt validation reply from " Omega RMS LLC '', nor has my credit report been updated to reflect that these debts are being disputed. 

After doing my research, I see that " XXXX '' has been out of business for quite some time and " Omega RMS LLC '' is still attempting to collect on debt/debts that are not mine. Since " XXXX XXXX '' is out of business so now I am unsure of how to get my money back from them for dating service guarantees that were not met and for breech of contract. 

I am not sure how " Omega RMS LLC '' can falsely claim and falsely report that I owe any amount, let alone XXXX separate amounts for services that I never received. Furthermore, I 'm not sure how " Omega RMS LLC '' can attempt to collect any amount of money for a service that has been out of business for quite some time.
I paid {$420.00} for a retreat, but immediately attempted to cancel it ( within the hour ), through PayPal. The reason for the cancellation was because certain details about the event made it difficult for me to attend. These details were revealed only *after* payment was made. I spoke to Paypal who suggested that I speak with the merchant about getting a refund. Through email correspondence, the Merchant agreed to a full refund. I provided Paypal proof of the email conservations I had with the merchant, granting full refund of {$420.00} but to this day, PP has refused to honor the refund. In addition, the purchase should have been eligible according to PP Buyer Protection refund policy. Also, the immediacy of my dispute was way in advance of the event and should not have posed an issue with PayPal or the merchant to reolve the issue. If anything, the transaction could have easily been written off as an incomplete. As clearly shown in email correspondance, the Merchant recognized that leaving out certain event scheduling details, could mislead customers and therefore, in my case, became an unusable product. I used PayPal for such transactions as a way to provide me with protection and resolve any disputes. I expect this amount to be refunded and retrieved from the vendor or PayPal in a timely manner. Thanks in advance for CFPB 's assistance.
We pay Bank of America {$500.00} every XXXX weeks ( XXXX times per year ) automatically. The total amount due per month continues to vary right around the {$500.00} level. So now they have changed our minimum to {$550.00} total per month and are saying we are being penalized for not paying enough even though we pay well above the minimum monthly fee. Plus they changed our due date so we get another penalty. 

So net we pay {$1000.00} per month yet we get dinged even though we only owe roughly {$450.00} to {$550.00} per month.
There is an account showing with XXXX XXXX XXXX XXXXXXXX XXXX which listed a balance of XXXX that I settled out. I have attached proof I DO NOT OWE and have disputed this. It 's still listed that I owe and do NOT
XXXX XXXX at Sharpe mortgage did not comply with the fair housing act, specifically the Equal Employment Opportunity Commission ( EEOC ) regarding sexual orientation. He denied me simply because I could not answer specific questions regarding my husbands credit profile. I asked him to contact him directly, but he refused and stated that he could not help me and did not believe who I was even though my best friend ( former customer of XXXX 's ) referred me to XXXX XXXX himself. Also, he made comments regarding my character regarding my identity. He received all the required documents he requested but refused to help me based on personal reasons. I also think since my husband and I are XXXX he refused to assist us. 

I was pre-approved within 3 hours by another mortgage broker at a different company after receiving his decline letter via email he sent the same day.
This is the second time I am complaining about a company who has victimized me and made false statements to the Credit bureau that I have 30,60,90,120 days late on payments when I have not been late but once last year due to a medical hardship which was only one month which I made an additional payment of. The company, Avant , Inc, has abused my civil rights by constantly causing a drop in my credit score which I have worked very hard on for the past 7 months so I can buy a home. In XX/XX/XXXX I took a loan of {$1300.00} from them and continued making {$59.00} payments and they continue changing their policies and now say I owe them {$1000.00}. This has been going on for 2 years of payments and abuse from them. I am contacting the Attorney General in my state as well as a Senior Legal Firm next week. On XX/XX/XXXX I called them to make a payment and was told my account was in collections because I did not pay XX/XX/XXXX and XX/XX/XXXX payments on the XXXX of the month. My payments were made on the XXXX of the month from XX/XX/XXXX arrangements with Avant, but was refused the payments as legit and told early payments do not count. This is the kind of games they have played since the beginning of the online contract. Every time I call them, a foreigner with a XXXX accent tells me a new thing about the account and keeps me so confused I do n't know what they are doing other than victimizing me and scamming me for more money, and as far as I know they are not a payday loan company and do not advertise as one. I need help to solve this outrageous scam.
My credit report is showing that a loan I had with CitiMortgage is " Acct in Dispute. '' This account is closed and has been paid off. it is not in dispute. This inaccurate reporting has halted my ability to compete a loan for a new home ...
The company, FedLoan Servicin g ( " FedLoan '' ), is se rvicing my federal student loan. I am making payments und er the Public Service Loan Forgiveness Program and having  a payment each month under the Income-Based Repayment Plan is the only way for me to be able to afford the payment. And, I want to qualify  for Public Service Loan Forgiveness as soon a s possible.     FedLoan advised me that the date for recertification of my student loans was due by  XXXX   XXXX ,  2017.   The documents to recertify were submitted today (  XXXX   XXXX  , 2017 ) an d while on the phone with FedLoan I was told via phone that my  XXXX   2017 pay ment may not be under the Income-Based Repayment Plan amount because of processing delays.
Received a letter from PayPal Credit ( XXXX XXXX Bank c/o Bill Me Latter Inc ) informing me of changes in terms. The letter provided identifying acct., information or contact information, other than a XXXX for XXXX, an I had no recollection of ever having done business with any of these organizations - PayPal Credit / XXXX Bank / Bill Me Later. 

I then reviewed last year 's annual credit reports and found no references to any of these organizations, so then using the web found a phone number to call. 

Contacted the number and finally reached a human ( prompt continually insisted I enter my non-existent acct number ). The agent informed me they do n't report to any credit services - Great, so much for monitoring for fraud - they could n't confirm I they even had an account listed for me when I provided name and address, then phone number. Then was asked if I had a XXXX acct ( not to my knowledge ). Finally after digging up a 3yr old phone number from some old records an account was found!!!!!! Apparently I charged a prescription back in 2009 for {$11.00} when I still had insurance to XXXX. 

At best I perceive this to be questionable/shadowy organization. They may not be in violation of any legal statues, but they sure are n't exhibiting any sound business practices. 
- Communications with noting but a PO for contact info - No method for monitoring for fraud - Stale account data - Limited ability for acct identification, would received absolutely no assistance if I had n't known a 3yr old stale phone # How many other 'ghost ' accounts may be out there?
My property was Foreclosed on on XX/XX/2016 by, XXXX , XXXX . not in its individual capacity but solely as Owner Trustee for XXXX XXXX XXXX XXXX-1. I believe this was a fraudulent action, and am trying to get answers to long awaited questions, and concerns I have related to this matter. My complaint is that I can not find any viable Trusts in this name. 

I have been filing a specific request to this Association, " Trust, '' and it has continuously been sent to the Servicer, PennyMac. This would have been ok, if they would answer my questions appropriately, yet they have not. They continue to send information I have, know, and am not inquiring about. 
PennyMac continues to respond by explaining very well who 'they ' are, the " SERVICER '' and their role of, and being " SERVICER '', but this is not the information I have asked for, nor need any education in the duties of. 

I evidently need to be even more direct. 
Please do not send this complaint to the SERVICER, Penny Mac. Please send it to the Trusties for, XXXX , XXXX XXXX not in it's individual capacity but solely as Owner Trustee for XXXX XXXX XXXX XXXX. 

1 ) I want to know who XXXX XXXX Financing XXXX is? 

2 ) What does these initials stand for XXXX XXXX? 

3 ) What is their address? 

4 ) Is XXXX XXXX XXXX XXXX actually really Pennymac? 

5 ) Who and what are the names of the Trusties for XXXX XXXX XXXX? 

6 ) What is the filing number for your Association, " Trust '' XXXX XXXX Financing XXXX to do business in the state of Massachusetts which is required by Massachusetts Law under Article 2 of Chapter23.95 RCW?

7 ) What does the date XXXX mean? 

I now expect with this more detailed complaint that I know will be able to receive actual correct responses to my questions rather than the continuing insult to my intelligence. 


Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX
I had a car loan with Costal Credit LLC, I was hit by a XXXX XXXX XX/XX/XXXX. XXXX XXXX paid my loan off to Costal Credit LLC and my Gap insurance paid the difference between the loan. I have been trying since XX/XX/XXXX to get Costal Credit LLC to update my account as paid and they have refused to. 

I paid off my balance with XXXX XXXX credit card in XX/XX/XXXX, for the remaining amount of XXXX XXXX The accounts total balance was XXXX XXXX PAID IN FULL. As of XX/XX/XXXX they have reported that my account is unpaid and in collections.
I have had representative XXXX XXXX call my business phone after advising multiple times to remove my business phone from their records but they continue to call and harass and are borderline stalking. They are rude, invasive and frankly their collection tactics are unchristian like as represented in their need to sale to companies to collect debts. They have threatened to add my debts to my husband 's credit and debts that were established prior to our marriage. This is illegal and they have no right to do this. This company is absolutely rude and their workers insult and will talk over you, hello you called me to collect a debt and being rude and invasive will not help you accomplish this.
I am having a problem with Equifax removing my paid in full debt collection from debt collection agency. I called the debt collection agency ( XXXX XXXX XXXX ) located in XXXX XXXX, OH with my concern. The last report date on file to Equifax was XX/XX/XXXX. The debt collection agency told me information was undated and sent to Equifax. I have my bank statement that proves the funds were taking out bank account to the debt collection agency on XX/XX/XXXX. It stills shows due amount of my credit report.
So, during college we were always fed this dream that we would make enough to make affordable payments plus our living expense 's. I really tried hard at school and graduated although I had a XXXX. I 'm happy to say that I also work for the XXXX but it happened by a freak accident through a other company I was working for was bought by the XXXX. So, the first payment I maid in XX/XX/XXXX or XX/XX/XXXX was because of my taxes XXXX. As we got further into my job I noticed thing were not what they seemed due to payment I could not afford it at all. We are talking XXXX to the XXXX range including my rent, car, utilities and necessities had a XXXX and his sick father that I was taking care of do to XXXX and still do it. I 'm basically homeless living with my parent do to debt and my son fathers illness making XXXX an hour going on 4 years and started at XXXX an hour you do the math. Trying to stay together. I 've been putting holds on my account now since I knew there was no way of paying at this rate. I thought the XXXX was supposed to take me places ... not this way can not make it. They will not make lower payments at all I have tried. Help
I opened an American Express XXXX card in XXXX 2016 with a XXXX point membership rewards bonus after spending {$3000.00} within 90 days. I spent over {$3000.00} on the card and the points posted to my account on XXXX. They were listed as " available '' in my rewards account and I used some of them to book flights. On XXXX, XXXX points were deducted from my account, leaving me with a negative balance. When I contacted Amex about this, they informed me that I had returned purchases and no longer qualified for the bonus. I 've not returned any purchases, ever, on this card. When I inquired further, they agreed with me ( on a recorded phone call ) that I met the bonus requirements and a computer glitch had caused the points to be deducted. They informed me that the points would be added back to my account soon. That was several weeks ago, and as of today, the points have not been added back to my account.
I checked my credit score and noticed it had decreased and there was a report stating i was in collections. I gathered the information and attempted to call them. After calling them 4 times i got a hold of someone who then transferred me to the agent XXXX, she started the call extremely rude asked for my addressed and i let her know i never received a noticed since the address on file was incorrect she said they did not receive a mail back so the address was correct even though i stated the address was incorrect. I asked if there was a way to dispute and she stated i could not dispute the balance. In the beginning of the phone she let me know the balance was for XXXX then later on the phone call told me the balance XXXX since there was interest charge. She did not state her mini Miranda, she did not let me know the call was being recorded and hung up on me and was extremely rude and sarcastic and also lied about the balance on my account. She did not let me know if collection activity would continue. I called again to get the balance resolved and she let me know that i could not dispute and to talk to her manager. After i spoke with her manager she also did not do much. She did not tell me call was being recorded or the mini Miranda, she said she could give me a discount but did not offer to let me dispute the account. After i told her they had the wrong address she did not gather the correct address information and let me know i can dispute and rushed me off the phone without giving me details on how to dispute. I had a XXXX XXXX right after the call because of manipulative and rude behavior. The agent I spoke to was XXXX and her supervisor was XXXX. I do not owe this balance. The services were never provided. They broke FDCPA laws and HIPPA laws. I feel harassed and nothing was ever provided to me regarding the outstanding balance.
Citi /AAdvantage Gold World Elite Credit Cardmember in excellent standing since 2003.

Interest rate on this card had always had been 11.25 %. 

I stopped paper statements more than year ago. On auto payments - therefore, i don't login to Citi website often. 

I've recently become aware of an increase to my interest rate of 1.5 %, from 11.24 to 12.49 %. 

On an {$18000.00} to {$19000.00} balance ( when increase occurred balance was higher than $ 17k currently ), this was a substantial rise in interest allocation To the Bank and not the consumer principal portion of my monthly payments I feel this is an abuse of CFPB Consumer Advert Law, as I was of the understanding, that Citi was to provide/reward their best paying long standing customers, those who always pay on-time, such as myself, by Lowering the Rate - and certainly Not Raising it. 

Fed raising the prime a half percent last year has nothing to do with deceptive practices with promise of lowered rates for customers paying on time consistently over time ... ..which i have done. 


I would now request that Citi Card Re-imburse my account all of the interest and fees over-charged from this higher interest rate discrepancy. 

From what I was made to understood, I should've been entitled to a Lower Rate, because Citi Rewards their Best Customers who've Never missed their monthly payment. 

I've been over-charged in fees and rate, and request Citi to credit all months my account was over-charged for this Higher Rate also factoring in the Lower than  11.24 % rate that I had Expected to receive. 

I would like the over charges to be applied back to my Principal Outstanding Balance. 

Sincerely, XXXX XXXX
On XXXX XXXX 2016 i had received and email from American Express Serve stating that my pin number was changed, right away i checked my account and i found that someone and transferred {$540.00} from my account to XXXX different accounts, I called AMEX Serve and made them aware of what just happened I went through the steps to re-secure my account IE : change my pin, email address and security question. They then told me same day ( XX/XX/2016 ) that my claim would be reviewed in 3-5 business days and I will have my money refunded. After the 1st 3-5 business days I called requesting a status, every single time ( on a recorded line ) they tell me I just have to wait they have a high volume of these complaints and it will take time. I continued to call every 3 days after no response on the status and every time it was the same story. On XXXX XXXX 2016 I receive an email stating they have closed my account because i was in violation of section 15-d??. I researched what this means and it basically states that i had no money in my account so they closed it and there is nothing anyone can do from this point. I withdrew all the money from my account because after all this back and forth stuff about me having to wait to get refunded the money that was stolen from me i was scared that money would be stolen as well. Now that they have closed my account my current paycheck will be direct deposited to that account and they will have complete access to that money as well, totaling {$1200.00}, I called AMEX Serve and they said " there is nothing we can do we are sorry '', I see your very sorry, needless to say I will be going to small claims court.
I have been trying to contact XXXX and AES in regard to my student loans made for XXXX school. I have been trying to resolve my debt/ issue. Neither will allow me to obtain information in regard to my status. XXXX did tell me that I am in litigation, but will not give me information on how I can resolve my debt. AES states that my loans are in their specialty department but can not give me any more information. I can access the AES site online, the information there states that my next payment is due on XX/XX/2016, that I have XXXX HEAL loans owned jointly by them and The Pennsylvania Higher Education Assistance Agency ( PHEAA ). I called PHEAA who told me that I should be able to contact AES and get resolution, but I ca n't. I am locked out of XXXX website and can not gather any information. I did contact Navient but they stated that they can not give me any information. XXXX did give me a phone number for The US Department of Education who advised me that my Federal loans are in good standing. They stated that AES and XXXX should be communicating with me to resolve this issue. They forwarded me to The Ombudsman who reaffirmed the opinion given by The US Department of Education.. I was given this offices information to assist me. 

I am a veteran, XXXX through XXXX, have been homeless and am living in a transitional VA facility where I have been getting assistance in transitioning back to the community. I was hospitalized for 3 months at the XXXX VA hospital for XXXX where I received XXXX- they left me with XXXX but I 'm now able to think and have been trying to attend to things I need to ( such as my debts ). I am also being assisted by the federal government in regard to my debts. I am also being assisted by The Pennsylvania Department of Labor and Industry for the purpose of reentry back into society as well as reentering XXXX. My desire is to get off of XXXX as my treatments have substantially helped my recovery. My hope is that I can obtain assistance in handling my educational debts. While I am not certain, I assume I am in default.
I set up a one time online payment to pay off one of my loans with Discover Student Loans on XX/XX/XXXX. On XX/XX/XXXX, the pay-off amount ( {$5300.00} ) was withdrawn from my bank account twice. The extra payment does not show on Discover 's website, but I have sent them a bank statement that shows a double payment, which they have acknowledged. I have contacted them several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and all they will tell me is that they have not located the " missing payment '' and to wait 2 more weeks. It has now been almost 2 months.