WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased  a PayPay de bit card at  XXXX  in  XXXX   XXXX , CA for {$3.00}. The monthly fee for the card was not disclosed on the packaging, and is obfuscated on the PayPal website.     The monthly fee f or a PayPal Prepaid car d is {$4.00}, and that monthly fee can not be avoided. There is no mention of the monthly fee anywhere on the  OEM pac kaging. The only way to get money off of the card is to activate the card. With  in 36 hours of activating the card, a monthly fee of {$4.00} is deducted from the price of the card. Given I paid {$3.00} for the card, the undisclosed monthly fee makes the effective purchase price of the card {$8.00}.
In the PayPal website deceptively obfuscates the monthly fee. While the fee is listed plainly as a transaction called " Debit : Plan F   ee MM/DD/YYYY '' ( e.g. " Debit : Plan Fee   XXXX / XXXX /   2017  ' ' ), t hat transaction does not show up when the user wishes to display only fees.
Equifax is reporting a Bankruptcy on my file in which i have no knowledge of. Ive explained this over the phone, fax, and through mail. XXXX does not care at all, I dont believe they are even investigating the situation, all I get is the same generated email, that seems to be sent to everyone.
Honda Financials payoff - I traded in my Honda leased car with XXXX XXXX. the payoff of XXXX was mailed out on XX/XX/XXXX. 
Later that month when I checked if the payoff was posted I saw an outstanding balance for Property tax posted for the amount of XXXX and I paid that off immediately to expedite the payoff process on XX/XX/XXXX. On XX/XX/XXXX my payoff had still not posted and I called customer service and was informed the payoff was short of XXXX dollars which I immediately paid as well. I was told the payoff will now go through in 3 business days.

I called back on XX/XX/XXXX asking why my payoff has still not been posted and was informed someone is still working on it. I called back on XX/XX/XXXX and was told someone is still working on it. I called back today XX/XX/XXXX and am being told the same answer. When I got frustrated the representative tells me this is not affecting my credit in any way. How can I be sure? If I went for a loan today will this balance be on my credit report as outstanding or not? Am i showing late payment for XX/XX/XXXX since the payoff is taking more than a month to go through. I am not given a good or reasonable answer as to why there is a delay in closing my account? All they keep saying for more than 3 weeks is we are reversing and reapplying payments for the payoff. Please advice.
Still reporting a judgement docket # : XXXX from 2008 on my credit report that is seven years old.
Hi i applied for preapproval for a new home mortgage and was informed by the lender that after reviewing my credit history i had 31+ late payments on my current mortgage. this caught me completely of guard. on speaking with the current mortgage holder ( XXXX, XXXX XXXX XXXX ) i found out what the problem was. it was down to a veriety of things. 
1. in the early 2000 's i declared bankrupcy but thankfully kept my home in the process. Chapter XXXX however as i had done this the lender informed me that they could no longer contact me due to this. 

2. i missed a payment which resulted in a late charge and this was compounded out over time to result in me missing more or less all my payments. this is due to the fact as they place monies in suspence and because of this the monies were not posting to the right place at the right time thus showing a late payment. 

3. Of course I was none the wiser of this and in fact was paying over and above my mortgage every month for a number of years now. but they are still asking me to pay interest on the outstanding balance. So not alone did they not inform me about the error in the first place but now they are asking me to pay this balance in order to remove this of my credit report. in my opinion this would be akin to extortion. 

i am very unhappy with this impass and I need help in order to get this fixed. Can you help? neither the lander or the credit reporting compand are being helpfull in this case and i feel that i have nowhere else to go.
XXXX XXXX XXXX reported a past due account with XXXX XXXX XXXX XXXX to Equifax. Equifax confirmation # : XXXX. I disputed this with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and Equifax. The basis of the dispute is simple : XXXX XXXX never sent a bill or invoice for the amount not paid by insurance. No bill no debt no past due account. I confirmed with XXXX XXXX that they had my correct address, email address and phone number. I requested a copy of the bill, any bill addressed to my attention. XXXX XXXX has not produced a copy of the bill ( because they failed to bill ). I had no notice that the insurance did not pay the full amount for the procedure. Its been one year as of XXXX XXXX, 2016 and I have received no correspondence from XXXX XXXX. I contacted them by phone and all they said was your account was turned over to collections and there is nothing we can do. XXXX XXXX claims to have investigated my dispute, but all they did was send a verification letter to XXXX XXXX confirming an account balance. They never requested or confirmed if I was ever put on notice of any amount owed or if XXXX XXXX even sent an invoice or bill to my attention. Again no bill no debt no past due account. Now my credit score has been negatively impacted and XXXX XXXX and XXXX XXXX XXXX will do nothing. Please note, when I saw my credit score drop, I ordered a copy of my report. That is when I found this false claim of a past due account. I paid the {$410.00} on line, that week.
I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and Equifax are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.
The Asset Recovery Associates is trying to claim a debit of {$3.00} they claimed I open with a XXXX in the state of Virginia in XX/XX/XXXX. I explained to this company that was in XXXX at that time and have been there until XXXX XXXX XXXX when I return to the XXXX. In XX/XX/XXXX I did make a police report in XXXX for possible identity theft. I also will be filling another one. I contacted this company, which has been brought by XXXX and they related there was not outstanding account with them with my name or SSN. I sent this company a cease and desist letter to stop threatening and harassing me.
I received a call from XXXX, a electrical company in XXXX stating that I have a balance on an account and owe money or my power would be turned off in XXXX immediately. This concerned me because I 've lived in XXXX for the past 2 years. I called XXXX and they had given me an address of account that had been opened that I did n't not recognize and have not lived in XXXX for 2 years. They then told me that this is a case of identity theft as someone else, not me, opened an account with all of my information, but was not me. They did not pay their bill, which is why they contacted me and is now in the collections hands. I have sent in the proper fraudulent dispute papers into XXXX and I need help getting this taken care of within my credit.
I faxed the mortgage company Select Portfolio Services the 2011 Chapter XXXX discharge court case last week. Select Portfolio Services continue to report the mortgage loan on my credit report, and I was called today about the mortgage payment for the month of XXXX. They informed me that they are attempting to collect a debt. This liability was never reaffirmed and was included in Chapter XXXX, which as discharged in 2011. The representative from Select Portfolio Services informed me that they are aware of the Chapter XXXX discharge, but that I still owe the debt since they hold the lien to the property.
I received a call from PennCredit claiming that I owe a debt for tax on a motorcycle that I purchased 10 years ago and that I purchased it under fair market value and so I still owed tax on that fair market value. The first woman who called refused to furnish me with all the pertinent info concerning who the debt was owed to. No full institution name, no account number concerning this alleged debt, not contact info and not even a full explanation. I asked for these things after making them aware that I did not receive any 30 day notice from any organization that I had a debt that would be put in collections, I also verbalized that this debt is definitely some misunderstanding because I bought this motorcycle completely wrecked and I notified the tags/title agency of the explanation as to why it was therefore under fair market value. The woman was rude and uncooperative and threatened that this would be placed on my credit report as a delinquent account. I advised her that the debt was over 7 years old and that she was not allowed to do that ... that in fact the debt is over 10 years old. I told her that I was going to have to file a complaint and possible judgement and she told me that there was no statute of limitations and that my credit report would reflect the delinquent account. I then called back in an hour and spoke to XXXX who was equally as rude, yelled at me and spoke over me while I was trying to obtain information to contact the debtor, I got nowhere with this agency and was threatened the entire time. I do not owe this debt and I had to search long and hard and make many phone calls to finally get a hold of an institution ( PA Dept of Revenue ) and find the right dept. I am currently working to resolve this mistake but PennCredit does not care and will not be reasonable while I work through this ... they continue to threaten.
these is a follow complain from complain XXXX filed XXXX after XXXX XXXX XXXX transfer the loan to XXXX, I 'm still disputing the amount of the debt and try to get the servicer compliance with california code 2923.5. I hire XXXX XXXX attorney on XX/XX/2014 he file bankruptcy because XXXX, send me to foreclosure without validating the debt, did not consider me for modification I been ask every trustee for full accounting on these debt, but these people its hire just to sale the property they do n't know a true from. a factual matter.another problem its the county records aloud this fraud to continuing to happen they record fraudulent documents its well know the notary and trustees are creating false document. 
the servicer XXXX its been sued for my attorney case # XXXX. the law office of les zevie its the new trustee before was regional trustee then, XXXX XXXX and now these trustees are in federal investigation ( all ) for fraud and they keep filing notice of default without been compliance with California code 2923.5.I went to public records to file a notice of non compliance with ca 29623.5 they did not record my document. 
I m an XXXX I sign a contract for a loan where a lot of people bougth a piece of paper ( bonds ) and treasure department gave them discharge of the note. the Banks and lender are getting rich and they still sending people to foreclosure.
Bank of America attempted to get updated information and, when they did not get it, they froze our account. First all the information, the information they wanted was updated " physical address '' information, where requests were made through email. My wife and I have been Bank of America customers since 1986. They should have phoned us if they were going to freeze our accounts. By freezing our accounts they 've knocked out check transactions that will have to be resubmitted and that will probably end up with additional charges from various creditors, not to mention jeopardizing our relation with those creditors. Secondly, my wife 's mother 's account is also with our accounts and also got frozen. Her mother 's account is with us for various reasons but is still her mother 's account. Her mother, who is in her XXXX, is currently with her sister on travel, helping her sister recover from a recent XXXX XXXX. My complaint is this ; YOU DO NOT DRACONIANLY STOP SOMEONES FUNDS BECAUSE YOU 'RE NOT GETTING INFORMATION YOU FEEL IS EXTREMELY IMPORTANT TO YOU AND JEOPARDIZE THEM FINANCIALLY OR WORSE, ESPECIALLY A CUSTOMER THAT HAS BEEN WITH YOU FOR 30 YEARS!
I had an account with XXXX that I paid a settlement amount for. The agreement was that the status on my credit report would be updated to be deleted or updated to paid so it 's no longer derogatory on my report.
We are trying to sell our current home and purchase a new one. Mr. Copper the loan company on the house we own now had told us when we got into a modification that they would adjust a lot of the fees which are over eighty thousand dollars on a XXXX XXXX XXXX XXXX dollar loan. We have asked them to explain all the fees and they refuse to do so just saying they are correct and there is nothing that we can do. We have been mislead and lied to for years throughout the process. The original loan was with XXXX XXXX XXXX and it was a terrible interest only ARM that we tried to get out of and the only way to do so was to default. We did that and XXXX added a bunch of fees and then went out of business for criminal activity. The loan was sold to Nationstar whom added XXXX XXXX more dollars to the loan during the modification and said if we did not agree to the fees that we would loss the house. We have an XXXX XXXX son and we have no choice and signed the modification. XXXX XXXX XXXX dollars was set aside and not bearing interest. They told us that they would work with us to reduce that because that was all fees. That never happened. My loan of XXXX dollars is know XXXX and I have not borrowed any more money on the house this is all fees that were added to my loan and Mr. Copper refuses to help us in anyway. The fees accumulated in a very short time. We have tried everything to work with Mr Copper, Nationstar and XXXX did everything they told us to do during the modification and they just refuse to explain anything. We hope you can help us get somewhere and headed in the right direction. We only want to be treated fairly. Thank you for your help.
After I relocated, XXXX XXXX contended I owed them a final bill, and sold the debt to Collection Bureau of Hudson Valley. I was never sent a final bill by XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to collect the debt which was sold to them by XXXX. They called my mobile phone repeatedly, and refused to furnish proof of the debt when asked multiple times. Instead of providing evidence or documentation, they pressed me for my checking account information so they could perform an ACH withdrawal to cover amount of the debt. They recently obtained my home phone number and repeatedly called me even after I requested they cease calling me because they would not provide any documented proof of the debt. Representatives of this company would not send me any documentation including a bill, letter, or payment coupon. At this point, the only way I knew the amount of the debt was when it was reported it to the credit bureau - they still however failed to provide sufficient evidence to prove I was accountable for the debt. They have since caused my credit score to drop, and I was denied an education loan because the " delinquency '' was too recent. I called XXXX, and the manager was unable to disclose details and further discuss the matter as they explained the debt was being handled by an external agency. They also could not furnish proof that the debt was still owed. I was advised to call the Collection Bureau of Hudson Valley, and once again they wanted to access to my checking account without furnishing prof of an actual debt. In late XXXX 2017, I filed a dispute with the credit bureau to resolve or at least obtain documented proof of the debt, and I was advised by XXXX that the debt was valid and could not be disputed, once again no actual documentation was furnished. I asked for documented proof of the debt so that I could confirm it was my debt, and once confirmed to pay the debt. This has been ongoing for 7 months. Can someone assist?
On XX/XX/18 I returned a previously purchased item back to the store ( XXXX XXXX XXXX ) with the expectation of having the funds returned to the Bluebird card that was utilized for the purchase, in the amount of {$44.00}. 

On XX/XX/18, I noticed that the {$44.00} was pending to be returned to my account, but for some reason the returned item said the return was " under review ''. I contacted the American Express Bluebird company to get an explanation of what " under review '' meant. The customer service representative stated that its under review because the monies had not yet been received from the store returning the monies. So I stated that its untrue that monies are waiting to be received, because XXXX XXXX XXXX confirmed that the monies was returned to my card on XX/XX/18. 

I asked to speak with a supervisor ( XXXX ) who again stated that my account says " under review '' because the monies had not yet been received. The supervisor stated that the money would not be released into my account until XX/XX/18. 

I asked the supervisor how could the money not be received when it's stated in the account activity. The supervisor stated that all she could tell me was that I will have the funds released on XX/XX/18. 

I have never experienced this scenario before with this company. Anytime my monies have been returned on a purchase, I had my money released to my account. 

The American Express Bluebird card company has not been helpful at all. 

In addition, in the past I have had to recoup monies from the company for ATM fees that were never supposed to be charged. The company is unethical in its practices, and they are holding onto my money after its already been released by the company.
I 've made investments with a company thinking I was taking steps to owning my own business. But it turns out to be fraud and I contacted the merchant for months asking for a refund and the said they have nothing of mine on file. I 've called my bank and my bank said the can not help with my dispute its out of there reach.
I have federal stafford loans serviced by Mohela. While earning a subsequent degree, Mohela placed my loan into deferral 3 times " automatically ''. This occurred despite my written request to them, per their instructions, to not automatically enter the loans into deferent. 
On each occasion it has taken me at least one month to notice Mohela 's error however try havenot been willing to retroactively remove the ( albeit minimal ) extra accrued interest. 

When speaking with their staff, each time this happens I 'm told that my account is in order to prevent auto-deferral and this wo n't happen again.
I took out a loan with Loanme in XXXX, the payments were coming out of my bank account automatically. I stopped that process in XXXX because i was experiencing hardship. The company agreed to me paying XXXX dollars for 3 months, which is XXXX. I continued making payments to the company, but they started harassing me, calling my phone 5 days a week, XXXX time a day for all types of reasons. I asked over again for them to stop calling, but to no avail. i even had a customer representative tell me she was not going to stop calling. This behavior of the company has caused me a lot of stress.
Payment plans they always directed me towards left me with an inflated principal much larger than the original amount owed. This lender is currently being sued how can I get help with forgiveness or payment options?
My husband and I had a debt from a credit card and the debt was bought by XXXX XXXX XXXX, now known as XXXX. XX/XX/XXXX I paid in full the remainder of the debt. 

XX/XX/XXXX when I refinanced, my attorney informed me that XXXX XXXX still had a lien on my house. This was the first time I learned of this issue. The attorney handling the refinancing was able to contact XXXX XXXX and received a lettered response dated XXXX XXXX, XXXX that stated in part, " This loan has a XXXX balance with XXXX demand. '' Since XX/XX/XXXX I have had my family attorney try to resolve this matter. XXXX XXXX demanded a {$400.00} payment to remove the lien, which I refuse to pay. This should be free. 

XXXX XXXX has since failed to respond to my attorney 's phone calls and phone calls placed by my son.
I just recently filed a complaint through CFPB due to   XXXX   XXXX   showing an inaccurate delinquent account on my credit report since   XXXX  . My most recent complaint from  XXXX  was me asking   XXXX   XXXX   to remove the account completely from my credit report and their response was that they are unable to remove the account because it did in fact exist. What I guess I needed to clarify is that I 'm fine with the account showing up on my credit report but it still shows up as a delinquent account which is completely inaccurate and it has caused my  credit s  core to p lummet in the last 2 years and now is the reason I can not refinance my graduate student loans. So the delinquency part of the account is what needs to be removed from my report.     Also, I have submitted requests to the credit bureaus to eliminate the delinquency from my account and they have failed to do so.
This complaint refers to a specific recurring issue regarding the manner in which Capital One processes payments. My due date to pay my credit card bill is on the XXXX of the month with no grace period. However, payments actually made on the due date incur a significant late fee because Capital One says payments made that day are " processed '' and then posted the next day. 

They claim a cut off of XXXX eastern time in terms of processing payments made that day. My contention, and I was told by the customer service person that this is a common complaint, is that if I make a payment on that date, whether it is early in the day or XXXX minute prior to XXXX, should be accounted for that day. Their policy, somehow written into the credit card agreement and no doubt buried somewhere in the mountain of fine print typical of cc agreements, is an absurd and egregious money grab. 

I asked that my credit card account and all billing issues be frozen until this matter was resolved and was refused. Also, credit card companies should be held accountable for these kinds of anti consumer practices. Some of us are smart enough to know that they have armies of lobbyists who allow them to get away with sticking it to us with crazy fees and penalties for the smallest mistake, but this is no mistake. If my due date is the XXXX and I pay on the XXXX, I should not be penalized regardless of their internal policy, accounting or cut off time. In fact, the cut off time should be moved to the XXXX to allow time for processing payments that were made on the XXXX.
I had an existing Master Card issued by USAA bank. Without any notice it was changed to a Visa card. They advised this was a " business decision ''. I currently have another visa card. I advised them I wished to close my account and was advised this could negatively impact my credit score by as much as XXXX points. This is wrong for USAA bank to do this and worse that my credit score would be impacted by cancelling a duplicitous card.