WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a loan modification back on XXXX XXXX, XXXX and was denied XXXX XXXX, XXXX. I have fallen behind on my monthly payments for various reasons. I have not had a stable income because I have been employed and unemployed throughout the years. I lost my job in XXXX and all of XXXX I was unemployed. I got by on a day to day basis depending on the rental income that I would receive once a month but as of XXXX XXXX the tenants stopped giving rent. My son who was also helping me financially moved out and I have had to stay and deal with the tenants who are occupying the home without paying. I have seeked helped to evict the tenants but it takes money ; which is something I do n't have. I 'm doing my best to try and save my home. I have thankfully been blessed with another job but I do not have the money to reinstate based on the circumstances that I have mentioned. Please help me save my home as I do n't know where I will go if I lose it.
Company is persisting in charging late fees on payments even though the payment was delivered and recevied on-time. They have done this twice. The first time they reversed the late fee. The second time they refused. My payment was delivered the day it was due but it took them 5 days to process and post the transaction.
I filed a dispute with the merchant, XXXX XXXX due to the XXXX Flash Cards I purchased on XX/XX/XXXX. I was not satisfied with the item, so I visited Paypal 's  website and talked about my issue, with the merchant not refunding my money. The dispute was filed on XX/XX/XXXX against the merchant, XXXX XXXX. and stated to Paypal Company that the XXXX Flashcards came in a white card board box that is the same size as the box. I did not open the box, nor did I like the way the box was, so I wrote refuse on the cardboard box. I left the box on the table in my residence building for USPS to pick up the package to return to the merchant. USPS accepts packages, if the customer writes the word, Refuse and Return To Sender on the package, without any other receipts given, as long as the package/box seal was not torn. I have a dozen neighbors in my building where I reside, as well as the Postal Carrier, XXXX XXXX, who has been delivering mail to my building for over 20 years and The USPS driver, XXXX, can all verify that the box was returned to the merchant with the address on the box. Also, the super of the building, XXXX XXXX can verify that the box was picked up from the building and returned to the merchant. Paypal had given a time frame to respond to the open case on their website and when I logged into the open case from my account, the system did not recognize me and I was not able to respond. Therefore, Paypal took the merchant 's side to not believe that I did not return the box and wanted my refund. I should have received my refund already from the merchant and Paypal refused to honor me temporary credit to my account when the investigation is gong on. It does not take eight for the merchant to refund a buyer, when I do not have the box in my possession anymore.
FIRST NATIONAL COLLECTION BUREAU sent me a debt collection notice dated XXXX XXXX, 2005, stating that I have a delinquent account related to XXXX. I have not had a XXXX account, and asked them for debt verification, including, but not limited to : Services Contract, documentation of where, where, and how the account was established. They responded by sending me a XXXX statement that is not mine, stating that this is validation of this debt. This is not correct, and I want to know all details of this account from alleged start to alleged finish.
Had a collection notice from midwest recovery services appear on my credit report for a payday loan front cashnetusa for {$770.00}. After checking with them I was told there was a loan deposited into an old bank account in XX/XX/XXXX however I contacted the bank and that account was closed in XX/XX/XXXX and I filed bankruptcy in XX/XX/XXXX.
My USAA member ID is XXXX and I have an auto loan with USAA. Recently in violation of many consumer protection laws, USAA restricted my access to USAA.com and cancelled / closed my credit and banking accounts. This poses a problem as I have never received a billing or account statement in writing from USAA for my auto loan. It was set up to all be completed electronically, were the statements are available on usaa.com and all payments are auto debited from my USAA checking account. <P/>This is an issue as now USAA has closed my checking account, so automatic payments are not possible going forward. I called in to request assistance with this as I do not know the amount, or where to send my car payments to keep it current going forward. I was told automatic payments would be stopped and I 'd begin receiving paper statements. I have to to receive any statements from USAA for my Auto Loan. Most recently I called in today on X/XX/2017 and after being transferred several times I spoke with XXXX. She informed me Paper Statements could and would not be sent to me as I agreed to receive all statements via USAA.com at the load origination and she was unable to change it. I requested the payment amount, address to send it to and billing history be sent to me at my home/billing address. She informed me that could not be done I needed to view it all on USAA.com. This poses a problem as USAA restricted my access to USAA.com making it impossible for me to do. <P/>So now, I am unable to pay for my auto loan, view past payments or even know where or how much to send. I 've requested this in writing many times and have not received anything. By USAA 's own intentional actions they have intentionally prevented me from being able to meet my obligations, despite my many attempts to find a legal and fair way to do so.
In  2016 , my wife and I applied for a n Income-Driven Repayment Plan with Navient.   This lowered the monthly payment on my wife 's student loan to an affordable {$94.00} a month. Last year, our income was reduced as my wife 's employment went from 5 days a week down t o 4, and  so our  Adjusted Gross Income f or  2016  went down by almost {$10000.00}. We also had a baby last  XXXX . In  XXXX , it came time for us to re-apply for the IDRP, so we submitted our tax return for  2016 . The payment jumped up to almost {$200.00} a month. We called  Navient  to try and have somebody work a new plan with us over the phone. The woman who we spoke with said we make too much money, which is absolutely ridiculous! We make less money than we did when they originally reduced the payment, and we have a child! We asked her to elaborate and she had no explanation. We 've had NOTHING but issues with this company from da y 1. T heir collection actions are predatory, and they are not in service to the borrower. They are in service to themselves. It 's especially troubling seeing as how they 're allowed to service government-subsidized loans. We still have been unsuccessful in getting the payment reduced.
PayPal has failed to communicate properly with me around a dispute I reported to them on XX/XX/XXXX. After reporting the problem, PayPal web site prompted they need to contact the seller of the digital goods ( that I never received ). They confirmed recently they never heard back from the seller but then closed the case without properly communicating the results with me via mail. They are not allowing me to escalate the issue or follow up the status of this case which is very surprising and disappointing. 

PayPal is simply denying addressing this and such cases where a customer is reporting an illegitimate payment, but the seller does not even provide any feedback ; Instead of cancelling the transaction and refunding the customer when seller does not even responds to PayPal follow-ups, PayPal refuses to proceed with the original reported problem and requires further input from the customer. PayPal should have refunded me in first place after the seller did not get back to them, or at least contacted me via mail for next steps. Even if none, they should allow customers to be able to follow the claim and not to BLOCK them systemtically from processing it. The customer service response was very disappointing when I tried to create a follow up ticket.
I 'm filing this complaint with your agency to implore your help to investigate the violation of the Federal Financial Credit Reporting Act ( FCRA ) of the debt collection organization, Fidelity Information Corp. From my story below and the evidence attached, it is proven beyond any doubt that Fidelity Information Corp has clearly and intentionally violated FCRA by : Inaccurately inflated the disputed amount to 20 times ( from {$71.00} to {$1300.00} ) When I contacted them and sent them the explanation and evidence that I did not owe its client any money, not only did they not bother to reply to me, they also reported me to XXXX Credit Bureau agencies ( XXXX and XXXX ) with the inflated amount. 
When I contacted them the XXXX time by phone, the lady at Fidelity Information Corp ( XXXX at extension XXXX ) admitted that the amount was only {$71.00} and promised to send me a breakout within XXXX business days, but nothing was sent. 
When I contacted them the 3rd time via certified letter to ask for a breakout on my account three weeks ago, I have still not heard from them. 
When I disputed my claim with the Credit Bureau ( XXXX ) with proofing documents 3 times, every time the credit bureau sent the disputed evidence to Fidelity Information Corp. for review and they advised the Credit Bureau to remain the negative credit on my report. I called XXXX and asked them why they did not look at the evidence I submitted to them. The response was that the bureau would trust the collection services more than an individual because the collection service was required by law to report accurately. In this case it is not. 

What Fidelity Information Corp has done to me, it has certainly done to other consumers. Therefore, I implore your help to investigate and stop this collector from abusing its power and acting outside the law to protect consumers. 

Regards, XXXX
I have 3 student loans that i 'm currently paying, in good standings that are reflecting on my credit report with another company ( XXXX XXXX XXXX XXXX ) that are closed. 

XXXX XXXX XXXX XXXX in the amount of {$8500.00} and {$2900.00} these are closed XX/XX/XXXX and took over by XXXX. 

XXXX XXXX XXXX in the amount of XXXX was closed XX/XX/XXXX and taken over by XXXX.
I have a home equity account ( re-modification ) that was established with Chase in XX/XX/XXXX. Chase has not been able to apply my payments correctly since this account initiated. I was told that something was coded incorrectly at the inception of this loan and that everything went to fees instead of principal, interest and escrow. This was suppose to be corrected, but was not since the issue continues. I had a contact that would re-apply my payments, that were always posted to interest manually for years. He is no longer in his position. Recently Chase upgraded their system. Now my payments are getting posted to fees. I have contacted Chase Customer Service many times. They are telling me Fees are actually escrow and agree something should go to principal and interest. When they reapply my payments everything is now being applied to escrow ( fees ) and interest, nothing is going to principal. I have made my payments on time. Chase pulls my payments online out of my Chase checking account. My principal has not went down for the past three months and now that I lost my Chase contact Customer Service escalates the issue and I receive a standard letter advising me how interest and principal is calculated. I suspected there may have been a shortage in escrow, last year there was an overage however my payments should have been adjusted per my loan agreement. I set up an appointment XX/XX/XXXX and met with the Branch Manager for Chase XXXX XXXX ( my branch ) who took the information however refused to make a phone call to get resolution because I told her my next option would be to contact the Attorney Generals Office. I worked with the Chase Executive office over a year ago with no resolution. I have been working with XXXX XXXX from Chase Executive Office since XX/XX/XXXX who requested until XX/XX/XXXX to investigate and correct. I received a letter in XX/XX/XXXX requesting an additional week to investigate and correct. I spoke to XXXX on XX/XX/XXXX who advised me that the specialists looked at the account and the payments are posted correctly. I asked her how could they be applied correctly if nothing was applied to principal. Only {$360.00} out of a payment in the amount of {$910.00} was applied to interest, nothing to principal, in other months only XXXX cents was applied to principle ( screen prints attached ). She insisted it was correct. I insisted on speaking to her boss, I expect a call from her boss XXXX XXXX within 24 hours. The Executive office told me they are as high as I can go, but have not resolved the issue. Chase is a big company. How many other senior citizens are they misapplying payments? I would like to sell my house in the near future however am not confident that I will have an accurate pay off balance. This needs to be investigated, addressed and corrected. I have attached the screen prints of how the payments were applied. I did pay {$30.00} additional towards principle, that was the only change in the balance. Please see screen prints attached. There was a correction of XXXX on XX/XX/XXXX to correct prior mistakes. I can be contacted via email at XXXXXXXXXXXX or phone XXXX XXXX. Thank you for your time.
I disputed a charge on my account in XXXX 2016. As to date I have not heard from the credit card company. I called in with a lost or stolen card report. I was issued a new card and account number. When I received my next statement there was an unauthorized charged on my account.
I requested a balance transfer from my XXXX account to my XXXX account. After some time I was concerned because I never saw the payment to XXXX XXXX posted even though the money was deducted ftom my XXXX account. At XXXX on XXXX XXXX, 2015 I called and spoke to a representative and I shared my concern that my balance transfer was not showing up. He informed me that XXXX XXXX Bank did not accept balance transfers. I was floored because there is nothing in the cardholder agrement that states this fact. I relayed this information to XXXX and they told me that if the payment was returned to them, they will credit my account. 
I could not believe it when on the XXXX of XXXX I logged in to my XXXX card account and I saw that they had attempted to process the balance transfer. I called them to see what was going on and I was informed that my account was suspended. Now this is amazing to me because I have never missed a payment. The balance transfer was meant as an extra payment on my account. On XXXX XXXX I spoke with XXXX and he informed me that they would pull the phone call to verify what I was told by the representative on XXXX XXXX regarding balance transfers. He said that if I had been advised with incorrect information, they would resolve the issue and I could resume making my payments online. I was waiting to hear about the outcome of the investigation, but I received a letter in the mail today ( XX/XX/2015 ) stating that I need to destroy my card and that I had violated my card holder agreement. 
This is unacceptable behavior from this company. They have incompetent Customer Service Reps and they punish the customer for it. I do n't want any damage to my credit from this company. I have documentation from XXXX saying the balance transfer was returned from XXXX XXXX Bank. ( XXXX Card ).
Seventh Avenue company from XXXX WI claims I owe their company XXXX this debt appears on my credit report. I have contacted the company by phone, email and letters but to no avail. They asked I complete a FTC identity theft form but my identy was not stolen. I am asking that this debt be removed from my credit reports as it is not mine. I sent a letter months ago that they have not responded to.
Experian continues to report a judgement for a business account on my consumer credit report. This account was opened under my Federal ID Number ( see attached ), and I did not guarantee that it would be paid. Reporting this account to my consumer credit report is improper, and distorts my true consumer credit score. It has prevented me from getting credit on a number of occasions, and continues to scar my credit. 

The fact that the judgement was a business account and not guaranteed prohibits Experian from reporting it to my personal credit report. Yet, after three plus years of appealing to them to remove it, they have continued to violate my consumer rights by reporting inaccurate information on my report. The damage that it has/is doing must be rectified, now.
I have a loan with Navient I have been paying for almost tens years by sending in a check in the mail for the proper amount, sometimes double. The check processing company has lost checks and held checks for months and then charged me bogus late fees. I have sent in bank statments to Navient to show that they are messing with my payments but they try to say that they were never received or received late. They now say I am {$600.00} late even though I have sent in a check every month for tens years
I have a bank of America credit card and I did it setup auto pay option for my credit card almost around 2 years, when I setup up auto pay payment, they got option minimum statement balance pay, and I setup that option, when I setup that option they have not said any amount option, just they say minimum monthly statement balance take from bank account every month, but in month of XX/XX/XXXX, I had a minimum monthly payment was increase, more then usually they take it from my account, but bank of America not take it extra deferent amount from my account, and I don't know what happen that period, I did not check online my credit statement, and I was satisfy my self, I have already minimum monthly payments from my bank for my credit card, what ever monthly statement payment they can take from my bank account, but they not take it, just report to consumer reporting agency to late my payment, when I saw that report, I called bank of America and ask, what the reason they not take it that increase monthly payment from my account, bank of America operator told me, we not cant take that increase per motion amount, which one increase from your statement, and she told me your monthly payment was {$8000.00} month and now around {$120.00} month and we cant take increase amount, I ask her, what the reason you cant take it increase amount from my account, I told her when I setup that credit card autopay setup, they not have a option how much money they have to take, just whatever monthly minimum statement balance, she said we not do it like that, if bank has not a policy like that, should be explain, when setup auto pay setup, but I don't got answer what the reason they not take it amount from my account, just I got late payment report to my credit card
I have submitted XXXX disputes to Trans Union credit bureau regarding incorrect payment history for an account on my report - XXXX. The payment history reflects multiple late payments when in fact the account was paid in a timely manner. I have also contacted the creditor but no answer has been given after numerous attempts. I am not sure what else to do given the attempts and lack of proper response from the credit bureau.
Every month I receive a statement from Synchrony Bank showing a balance due in the amount of XXXX on a XXXX XXXX account. I 've contacted the bank and was told there is no balance due and there is no explanation given as to why I am receiving these monthly emails. I am concerned that my credit may be negatively effected by these erroneous statement which the Bank denies is occurring. 
I would like the Bank to correct this and I would like the emails to stop. The bank has sent me a letter at my request indicating there is a zero balance on my credit care account but I am still concerned the bank can not stop the emails.
Company : XXXX XXXX XXXX. 
Vehicle:XXXX XXXX XXXX XXXX VIN : XXXX Account Type : Lease This account was opened under my name for a car I do not have. No authorization was given, nor was the car leased. I have tried contacting and disputing this wrongful credit line numerous times with the company, yet this has not been resolved.
This is in regards to XXXX and the illegal transactions posted in my XXXX Bank account. I 'm not going to drop this issue until you acknowledge the fact that Finpari.com is an illegal company and every transaction from them is null and void. I will not accept your previous " determination ''. The SEC and CFTC even says that Finpari.com is illegal. I urge you to contact them so we can be done with this.
I am wanting to buy a home so I am trying to pay off bills I have in collection, I wasn't aware of a lot them that are in collection due to the year they went in, which it ranges from XX/XX/XXXX-XX/XX/XXXXand mainly all medical bills from XXXX XXXX I had to have, I looked on XXXX XXXX to see what all on there but it didn't list them all for some reason ... i have asked all 3 credit burous for my reports due to I cant seem to just look at them on-line ... anyway ... on XX/XX/XXXX i started to call the agencies where i have bills at pay them in full, i called XXXX XXXX that my report said i had 1 bill at there in amount of XXXX but they informed me i had 3 bills in amount of XXXX, I requested they send me a statement and they said they don't have to send me anything and how would l like to pay that today? I told her i'm not paying anything till I get a statement and she informed me well I guess you will owe this forever then ....

next one is XXXX XXXX i had 3 bills there according to my report but when I called they said I had 5, the 2 I didn't know about amounted to XXXX which the total of all was XXXX so i paid it all in full and requested they send me a statement that says each bill that is paid, she informed me we don't do that, I can send you a email for proof of payment saying paid in full, I said ok but how do i get a statement of each bill that was paid, she basically said she doesn't know nor do i care ... .this was after i paid it all in full ... my acc # is XXXX and conf # is XXXX that's all she tell me, next one is collection resources my bill there was XXXX which I paid in full but said she could not send me anything that said i paid ... she said use your account to prove it, I cant prove its paid by that cause there is no name of company where the bill came from nor would it say paid in full ... .I am so mad that all these places don't give a XXXX about you and all they want is money..all of them told me it would be over 6 weeks before my credit report would say its been paid or longer depending on how they feel ... .this is not XXXX   right ... I'm trying to get my credit to a great place and they don't seem to want to do XXXX for you ....