WillisBack/dataset-financial-user-claim huggingface dataset:
I am to receive  XXXX  points for every dollar spent at  XXXX   XXXX  locations. I am only receiving  XXXX . I filed a compla int  X/XX/2017  reg arding this issue . Case #   XXXX . It was resolved i n  XX/XX/XXXX .    M y  XX/XX/XXXX statement is showing ag ain  XXXX  points per dollar for a total of  XXXX . It should be  XXXX .      XX/XX/XXXX  statement is accurate.
 XX/XX/XXXX    statement is inaccurate. I should receive  XXXX  points.     XX/XX/XXXX  is sh owing  XXXX  pts per dollar again.   As I stated in my previous case, this is false advertisement and fraud.
I have several complaints with Paypal and its company policy and procedure in regards to releasing funds and its fees on transactions. 
1. paypal company policy ... paperless statements being standard. I do understand the need for environmental conservation but when relating to financial records i demand a copy that has a better chance of it not being altered to support whatever excuse this financial insutution may have at the moment ... Due to the possiblity of a counter lawsuit i have been avised by an obtain legal representative to refrain and omit my previous complaint of fraud and criminal acts of using funds to pay recently Parted Ebay without some type of document stating that this act was implemented. Please also note copies of corresponding oral dialog were also discovered ( an app that rec all conversations and msg and stores via cloud ) unknowingly to both parties ( paypal rep and I ) stating and unknowing contridicting previous Paypal representive Statements on company policy and reasons excuses. Also advised to not include due to the non disclosure of record but also know of a link that is public to hear the recordings. Note i am not accusing Paypal of the criminal act and policy, but because this conversation with paypal represitive and i is publicly avavlible anyone wishing to hear can ... .i just wish the recording was admissible... 
2. Paypal policy on not releasing Seller ( funds ) due to Sellers Relations with Ebay. Im not too familiar but isnt it unortdox and unethical proceedure to take actions on client ( I ) based on issues relations with other ( recently parted ) party. Its basiclly giving and saying i dont like you and i can keep your funds till i feel that you have acted properly to release it to you. but noting and stating that due to late shipments to buyer ( my customer ) that they have adopted this new policy... Also would like to include that i am being penalized with fees by Paypal for their own policy. 
3. Paypal proceedure on charging a fee on all transactions after the initial fee. Including refunds to customers from disputes and double charges to same clients do the fact that once a complaint has been made by buyer paypal has the attority to release funds and make a desesion on faulty party ... without checking validity of statements. Basically, making judgement without facts and purely base on its views ( i assume not based on facts ) on client ( i ) previous issues. In stead of a etically position of making a finding of judgement on fault based on present complaint. 
4. paypal policy on advising the client ( i ) to recharge the buyer after it has made a mistake on judgement. and stating that they do not have the authority to retract the erroneous judgment. I am not sure on this act if it is a criminal act or an ethical concern and wasnt counceled on it with attorney but taking my chances and making this statement because i do have the email corresconding dialog with client buyer on it ... in additon also being charged a fee for this XXXX transaction.
This is about my Credit Card issued by Discover Finance Services ( DFS ). By chance, I logged on to my account online and found a message that a company 's data breach had compromised my card. Although DFS contacts me by email or phone text for other concerns, I had not received any other notice of this problem which included cancelling my present card. There are two problems. 
First, they REFUSE to tell me what company 's data was breached causing this problem. They claim they can not reveal this information due to an ongoing investigation. 
Second, they list a company, " Order Channel, '' as an automatic charge on my card. I do not recognize this company and they can not identify the company either. They claim that I must have used this company at some time. An internet search does not locate a company with this name and it may be a fake company that has infiltrated DFS. 
The representative I chatted with about this today was not concerned about this unknown company. 
There has been a data breach and DFS is hiding it. 
They refuse to identify a company that they are possibly sending money.
The amount for my loan has increased, which to me makes no sense this has never happened before and I have been making payments on time every month for the past year. I have previously been placed on a wage garnishment which was supposed to be because they were not receiving a XXXX $ monthly payment, if it wasn't the payment then it was paperwork. I also had made payments to a company who told me that they could help avoid the garnishment and get me on the right track which turned out to be a lie. ( wasted money, time, effort, and personal information ). My original loan amount was XXXX and that tripled to XXXX which i had gotten down to XXXX but is now back up to XXXX and I have never owed that much in student loans. I have yet to receive paperwork on how Navient is charging me interest, which as i said has never before happened.
My complaint is against XXXX XXXX XXXX they are trying to collect on a balance of {$55.00} that is unknown. I am asking this company to send Validation for this debt, not simple verification. They are a 3rd party collection agency brought this debt from the original creditor. This company never attempted to contact me requiring this debt. If this is a medical debt it should go back to XXXX, because I am XXXX and have been on XXXX. The provider or hospital must have submitted the claim wrong. Send this debt back to the original creditor.
Since I have disputed all of and any payments, agreements, wet ink signature, balances and debts of false info no response of lawful investigation.
Also There is recorded conversation call that supports the no lawful proof of verification claim by the Equifax rep.
Account #  XXXX ,   XXXX   XXXX    XXXX  Dates provided upon request my phone number and Email listed.
I submitted a complaint with you. My main complaint is that the only documentation I received state " This communication is from a debt collector but is not an attempt to collect a debt. '' The collection agency even provided you with the same documentation. If they are not trying to " collect a debt '' then why did they call me incessantly for over 15 months? If they are not trying to " collect a debt '' then why did they report me to the credit bureaus? If they are trying to collect a debt, then they can send me a request to pay the debt.
My mortgage has been giving me the past 1 year. I have applied for loan modifications under the government and by purposefully miscalculating income. most recent request for modification was also the denied and refusing to share the data for calculations. In the past, I know from experience, they have miscalculated and grossly reduced my income so I would not qualify for any modification program. Now they are completely refusing to share the data which I have right to get. Without knowing how they came up to this decision, they are practically dishonestly leaving me completely handicapped unable to file an appeal.
Some Company by the name of rent debt has stolen my identity. They call me constantly demanding i pay this debt or go to jail they also have contacted my family members providing them.with personal information.
Wells Fargo has been escrowing my account for Texas Wind and Strom Insurance ... where I had no Texas Wind and Storm Insurance since XX/XX/2017..I was told my insurance company ... so Wells Fargo not only XXXX me for the money they collected for taxes ... where I told them and sent documentations that you can't charge me for taxes..I 'm XXXX percent XXXX XXXX XXXX Veteran ... no they took it upon themselves to escrow the Texas Storm and Wind insurance where there was nothing there to escrow ... it's called embezzeling..and fraud ...

I've called them..and this people play stupid ... I'm tired of it..dealing with idiots ...

I paid for my Texas Wind and Storm Insurance where they can't take it out in escrow ... at the tune of {$1700.00} dollars ... My insurance company is XXXX ask for XXXX she is in charge of that insurance ...
i have submitted to Experian documentations that supports my complaint of fals and inaccurate information being reported by their agency. I have submitted bank statements reflecting correct payments amount being paid to XXXX on this account and a copy of sales contract when credit was established reflecting a {$730.00} down payment. Experian has failed to acknowledge the correct payments being made and the beginning balance in lieu of the false information that they are reporting without any evidence to support their erroneous information. My monthly payment s of {$170.00} are being shown as {$120.00} and the beginning balance as {$3900.00}
On XX/XX/2017 I authorized a wire transfer of {$15000.00} to XXXX XXXX XXXX, located in XXXX, HI. The wire instructions I received directed the funds to an account at JP Morgan Chase Bank in XXXX OH XXXX. The money was sent from my account at XXXX XXXX in XXXX CO XXXX. My instructions showed XXXX XXXX , XXXX as the " beneficiary. '' However, JP Morgan Chase Bank deposited the funds in an account for XXXX XXXX and not for XXXX XXXX, XXXX. In fact, XXXX XXXX, XXXX does not have an account with JP Morgan Chase Bank. Nonetheless, JP Morgan Chase Bank accepted the wired funds and deposited them into an account belonging to someone else, and the funds have been withdrawn. Chase Bank should have refused and returned the transfer since the beneficiary company -- XXXX XXXX , XXXX -- and the account number belonging to XXXX XXXX did not match.
I took these loans out in XXXX and they totaled just above the amount owed now. Two loans are 4 % and one is 12 % interest. It shows that literally less than 10 % of all payments made has gone to the principles of the loans. One loan even went up {$1400.00}, due to bad customer service advice and 99 % of my payments going to interest first. I have screenshots of the history. Do I dare refinance? Or just join the suit. I was taken advantage of just after a XXXX assault and XXXX. Navient has ruined kids in college. It doesnt need to continue.
Wells Fargo is taking too long to share my transactions with XXXX. This is limiting my ability to use XXXX when I need it. I use XXXX to access my pay when bills are due or I need to buy groceries.
On XXXX XXXX, XXXX wrote into all 3 major credit bureaus disputing account that were invalid reporting, did not belong to me. These accounts are : XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX would like these accounts to be removed and blocked. Also XXXX XXXX is a new account opened XXXX and somehow XXXX is reporting late payments from XXXX XXXX XXXX and I did not even have this account during this time ; please remove late payment history from this account.
Contacted a family member and discussed private information. Further, upon questioning, provided a reason of " you must have called us from that number before ''. This is 1. A privacy violation and 2. Not a valid reason even if the latter statement is true.
XX/XX/XXXX- I made a purchase of {$10.00} at the XXXX in XXXX , Florida .

XX/XX/XXXX- I received the first credit card statement from XXXX Credit Card showing I have a new balance of {$38.00} due on XX/XX/XXXX. I immediately called the XXXX  number and was given the run around on how I was on a paperless statement with XXXX-XXXX. Finally spoke to XXXX  and he waived the lates fee 's since I never requested paperless and was not aware of my balance. The balance of {$10.00} was paid on XX/XX/XXXX. I then requested the account to be closed, since the CRS 's before XXXX   were so rude. Account was closed on XX/XX/XXXX.

XX/XX/XXXX- I received another statement from XXXX showing I now owned {$49.00} and I called immediately and they stated it has been balance to a XXXX balance.

Today XX/XX/XXXX - I received a call from XXXX  stating I owed a past due balance and requested my payment. After reviewing the notes in the system the CSR transferred me to a XXXX at XXXX ext. XXXX, which was very polite and stated my account is now at a zero balance. I requested to speak to a supervisor, since it shows my accounts 3 payment past due and I completed the payment on XX/XX/XXXX when I received my paper bill. Spoke to XXXX and she assured me that the account is at a XXXX   balance and the payment history was updated to show current and the error will be reported to the 3 credit agencies. I plan to call XXXX   back in 48 hours to confirm this has been completed and contact the credit bureau 's next month. I have perfect credit and can not believe this credit card company is allowed to function and cause damage to my credit history that I have worked so hard for the last 25 years, plus continue to send me past due notices and calls to my cell. Please Help!

Thank you so much for your time and assistance.

XXXX XXXX
IC System Inc is reporting a collection account for XXXX. They show on the credit report that the account opened in XXXX of XXXX. This is inaccurate and misleading. Any account I had with XXXX would have to have been years and years ago not 2 months ago. IC System Inc is re-aging the account which is a violation of FCRA Section 605 ( c ).

IC System never attempted to validate this debt before reporting it. I disagree that I owe anything. They have never made any contact with me and I have lived at same address for 8 years. This is a violation of Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b )
XXXX, Tx send my medical bill to Paramount Recovery System which is a third party about my debit. On XX/XX/2016 I sent a certifield mail. Under the Fair Debt Collections Practices Act, I have the right to request Validatin of the they say I owe.I am requesting proof that I am indeed the party they are asking to this debt.I feel that my HIPPA has been breach of my privacy.
Carrington Mortgage Services bought my mortgage from XXXX XXXX XXXX in XXXX 2015. Since then I have had nothing but trouble : I waited until almost XX/XX/XXXX to get any information on my account, they did n't honor my escrow decrease from XXXX XXXX XXXX, their escrow calculation resulted in a large jump in monthly payments which I requested to have spread over XXXX months and the representative never submitted my request. If I was n't so vigilant about my mortgage I could get really screwed.
I have contacted The Credit Bureaus numerous times starting  XXXX     2016 thru    XXXX   advising of incorrect reporting on my Credit report for a specific creditor  XXXX   XXXX   XXXX .  XXXX   XXXX  sold my debt to collections agency, meaning they wrote off the debt on their taxes which wrote off the obligation to pay. Contract was cancelled " NO CONTRACT ''.
Company sent another inaccurate monthly statement along with an increase in the monthly payment with no explanation. Due date is inaccurate as well and is made to look like Im behind on the payments. In reading the submitted document from top to bottom none of the figures make any sense. Including the increase. 
please refer to case number XXXX
My loans are now handled through Navient. Since I began my repayment after going through the rehabilitation process, I have very carefully noted my daily balance as often as I can. A couple of months ago, I noticed a fairly significant leap in my balance and emailed Navient to get some answers. I got a stock response that never really addressed the issue, my balance was adjusted back to where it should be, and all correspondence about this complaint were erased from my messaging history. Also about a month or so ago, my balance jumped again, this time they claimed the interest compounded. I do n't fully understand that, but I got no warning or information until I emailed them about my jump in balance. Leaves me with little confidence they are doing right by me. The fees for my loan are also severely hefty in comparison to my balance.
Without any formal notification or opportunity for dispute, a {$5000.00} medical bill for my deceased son appeared on my credit reports as a collection account. Upon discovering this information on XX/XX/2018, I reached out to the original creditor, XXXX XXXX ( XXXX ). They indicated they would recall the account from the collection agency as there was a billing error. I contacted TH Professional & Medical Collections ( TH ) that same day and informed them that XXXX recalling the account. XXXX also contacted TH that same day to verify this information. I then followed up with TH again on XX/XX/2018 as the account was still reporting to my credit reports. I was assured that information had already been sent to the credit bureau ( s ) to completely remove the account from my credit report ( s ). 

I have credit monitoring with all three ( 3 ) bureaus and refresh my reports daily. As of the date of this complaint, this account remains on reports in error and is having a serious derogatory impact on my score ( s ) as it is the only collection account reported to any of the bureaus. I need this account removed ASAP so that my credit will be restored to its correct, positive, state.
My name is XXXX XXXX. My mortgage company is Ocwen Loan Servicing. My loan number is XXXX. I have over XXXX in surplus in my escrow balance. My property taxes are less than XXXX a year. Last year they paid out XXXX. But I got a letter stating they are raising my escrow on my mortgage to XXXX a month making my mortgage to be XXXX from XXXX a month. I have sent emails and I have also called with no one to assist me. I have ask to speak the escrow department and they informed they do not accept calls. Their call center is located in XXXX so there is language problems on the phone calls of each other not understanding each other. I have also ask to speak to someone in XXXX but they have denied me that right. I just want my loan to be corrected. So can you please help. I will sending also copies of the letter and escrow activity statement they just sent me in the my email last week. I wo n't be able to keep my house paying out XXXX. My house is only worth XXXX now. 
ThanksXXXX XXXX
On XX/XX/2018, I received an email that my credit account ending in XXXX was late and the payment was due for {$230.00}. I am not sure why the payment I late as have it setup on reoccurring payments. Please review as I have never been late on my account before. I need for my account to be reviewed and If anything has been effected I need it to be corrected. As, I received a notification on XX/XX/2018, and I was never notified about any late payments prior too. I need any late fee or additional interest waived, and if any credit reporting has occurred removed.
Existing Problem : I have also spoken repeatedly to different agents throughout this process. The last being XXXX ( agent # XXXX ) and her supervisor XXXX who didnt provide his agent number on XX/XX/XXXX ; however, he stated, because I was sent the confirmation the inquires would be removed and I would be sent a new confirmation letter showing the items would be removed but could not provide a confirmation # before speaking to an agent today XX/XX/XXXX, who told me the last agents made a mistake. He did not research this information. I have provided Equifax with XXXX XXXX contact information, XXXX XXXX is the head contact person at XXXX XXXX XXXX XXXX XXXX. She provided me with the letter sated the credit application was submitted in error. He informed that these items would be removed, not only because I have been dealing with this issue since XX/XX/XXXX. I have a letter that was sent to me from Equifax attached that these inquires have been removed dated XX/XX/XXXX. Since todays date the inquiries are still there. 

Please this process has been time consuming and mentally draining. I have done my part now they need to do theirs. XXXX and XXXX have deleted these items with the letter provided and speaking to XXXX XXXX @ ( XXXX ) XXXX or XXXXXXXXXXXX Thanks for your attention to this matter.
Navy federal credit union threaten to report my car stolen when I was unable to make payments. I stopped driving the car, thinking they would just come get the car. It was stolen and I never reported it as stolen based on them telling me they were going to report the car stolen against me. For years they tarnished my credit even still even though this occurred almost 7 years ago. They report inaccurate information to the credit bureaus and have kept me in a state where I havent been able to recover. I had XXXX insurance I was going had filed for XXXX with the XXXX while this was happening I was working due to my XXXX and couldnt make the payments. I am now XXXX XXXX XXXX when I tried to get them to honor the XXXX insurance they refuse. Ive written to the ceo to no avail. I saw they had to pay I deserve some of it due to their business practices. Please help! I still have the recored conversations.
I took out a loan in  XXXX  of  XXXX  for a used car with a huge interest rate because of my credit issues from a very corrupt suto company and it was financied through  Credit Acceptance. I n  XXXX  if  XXXX  the car was repossed due to late payments I paid the past due amount in  XXXX  to get the car back from repossession. This is where my tragedy starts, when I picked the car up from the auction the interior was completely covered in MOLD. So much that I could n't sit in tbe car. The auction attempted to clean the car claiming it was sent that way from the repo company i called the finance company credit acceptance and told themI could  not drive th e car because of the mold. The auction cleaned the car was still filled with black mold. I told the finance company I could not keep the car even after extensive cleaning. I have  XXXX  boys bor n at 27 weeks  I let credit acceptance know my son is extremely allergic I  can not drive  him around in the car. They refused to take responsibility for the fact that their repo company left the windows down and the car was rained in for almost 2 months on and off. What was I to do. I had them come and get the car after they refused to help clean the car  so I could drive it with m y children. I have pictures to coloborate my story
I AM TRYING TO GET wELLS fARGO TO DROP OR DECREASE MY MONTHLY MORTGAGE INSURANCE PAYMENTS. I WAS SENT XXXX LETTERS THAT GAVE ME THE RUNAROUND AND THEY WILL NOT RETURN MY CALLS. TO TOP IT OFF, A WEEK LATER I RECEIVED AN OVERNIGHT FROM A XXXX PARTY I COULD ONLY ASSUME WAS LED ON BY WELLS FARGO WITH REGARDS TO FHA MI REDUCTION. I CALLED THE COMPANY WHO WAS JUST A MORTGAGE BROKER HOUSE TRYING TO GET ME TO DO AN FHA STREAMLINE REFINANCE.
I contacted the credit reporting agencies in XXXX, XXXX and XX/XX/XXXX about unauthorized inquired on my report from XXXX and XXXX. They told me that it was accurate and verified. I also spoke with an US Rep early XXXX and he stated that they received certified mail and that it was validated. I asked for a copy and I never received it.
I filed a dispute with Equifax , saying that a XXXX XXXX account was reporting as a charge-off, when it should be reported as included in bankruptcy. I uploaded documents showing concrete proof that the XXXX XXXX account was included in bankruptcy, yet Equifax refused to correct the error. 

I 've attached the documents : one showing that in XXXX the XXXX XXXX account was included in my bankruptcy. The second is my Chapter XXXX discharge form in XXXX, showing that my bankruptcy case had been discharged. I do not understand why Equifax dismissed these documents, when they CLEARLY prove my case.