WillisBack/dataset-financial-user-claim huggingface dataset:
Purchased a XXXX pack with {$500.00} loaded onto it. Tried to add it, online, to my XXXX  safe. At login, site says my account is blocked. Called customer service. I followed the steps recommended. Waited twelve hours. tried again. Called customer service again. Told me there were no problems with my account. I could escalate and wait for a response in 3-5 days. Asked for my money back. Gave me a case number but would n't send email confirmation. Said refund would take 30 business days! Spoke with XXXX on XX/XX/XXXX at XXXX XXXX cst.
i have a mortgage payment due by the XXXX otherwise i have to make a {$42.00} late payment and since i do not work anymore due to medical issues, so i do not collect a paycheck. i only receive my Social Security benefits in which i receive direct deposit on the XXXX  wednesday of each month, so i notify M & T. bank regarding this and told i can do a loan modification, so i did all that, now as of today on XX/XX/XXXX i called them and talked to them about changing my due date so i do not accrue late fees, and the only way to do that is to refinance and that is not fair, that i have to pay late fees because i do not get my Social Security check until the XXXX of each month, so 6 months out of the year it will cost me roughly {$250.00} extra per year, especially when i only make {$1600.00} a month and my mortgage is {$1200.00} and they should have some common decency and allow me to change my due date one time, since i never had it change.
Midland Funding purchased this loan from XXXX XXXX. I informed them that my mother opened this account unknowingly and advised them to validate and verify. Midland Funding has also harassed me repeatedly outside of FDCPA guidelines via phone and I received calls from blocked # 's from their reps advising that my account was " in their office and I am going to be sued ''. The lack of professionalism and ethics was incredible.
I went to school at a school that has since closed. It went by many names ... ..XXXX, XXXX, XXXX ... ..to name a few. Anyway, I went to school XX/XX/XXXX and had a loan through Navient and have been paying them since then. They have threatened me with garnishments, made harassing calls to me, and forced me to set up payment plans. I recently went on a .gov website for some help because as often as the companies change, I can not keep track of who i 'm paying and how much or how long i 've been paying each company. Anyway, the .gov site chat sent me to NSLDS.ed.gov where I could see my loan history and there I found that Navient was paid off thru a consolidation loan XX/XX/XXXX! But they 're STILL TAKING MY MONEY, every month, right out of my bank account. I have requested my transcripts so I can try to get loan forgiveness since the school I went to just suddenly boarded up one day. I am also looking into Public Service Loan forgiveness, since I have worked in the XXXX since XX/XX/XXXX. But in the mean time, Navient has taken my money, for 11 years without me owing them ANYTHING. I have attempted numerous times to call them via their XXXX and local numbers and can never get a live person.
On XX/XX/2018, I contacted customer service to activate a " lounge key '' program benefit that I was previously told I would be eligible for after XX/XX/2018. I contact XXXX at an XXXX Customer Service Call Center, whom initially told me there was no such benefit. After asking to speak to his manager, I was placed on hold for approximately 15 minutes and then told I would have to speak to the benefits team. 

I was then transferred to the benefits team and spoke with XXXX of the XXXX call center. XXXX did not provide her last name, employee ID number or Call Center City stating she is not allowed to give out that information. 

I was instructed by XXXX that I had to contact XXXX XXXX  in order to get this benefit activated. I explained to her that my credit card was not an XXXX XXXX card and that it was a XXXX XXXX XXXX - and XXXX  XXXX benefit - that required Citibank 's activation. XXXX placed me on hold for 10 minutes and then stated she could not assist me and that I would have to speak to customer service. I requested to speak to a manager and was told that no manager was available.
Not sure what category it falls under, but I am a Rush card holder and has not had access to the remaining money on my card.
I have contacted the agencies regarding the tax liens on my credit report. I advised of the law that was passed on XX/XX/XXXX and asked what verifying information do they have and notging has been provided.
XXXX XXXX Hospital in Iowa sent a medical bill to XXXX XXXX XXXX XXXX, XXXX Illinois, for an unpaid medical debt for our son. The hospital sent the debt in my ex husbands name only since he is the insurance carrier, legally responsible for all medical debt for our children after XX/XX/XXXX in divorce decree and the grantor on the medical bill account. In prior years when we were married, we had accounts together through XXXX XXXX XXXX XXXX. When XXXX XXXX Hospital sent the account through to XXXX XXXX XXXX, the automatically attached my name to the account in collections. I never received a bill from XXXX in this account and never received a bill through XXXX XXXX XXXX on this account. I found that XXXX XXXX XXXX had done this when I checked my credit. When I spoke to XXXX XXXX XXXX XXXX they said they couldnt bill me because they didnt have my address or number but had tried communicating with the ex husband whom was sent to collections in the first place with no response. XXXX XXXX XXXX XXXX representative threatened to take me to court, said they did not want a copy of the divorce decree, talked over me in a hollaring voice, belittled me. The original creditor, XXXX XXXX Hospital did not send me to collections, never billed me for the services on XX/XX/XXXX but sent it to collections on XX/XX/XXXX due to a nonpayment on a bill my ex husband is legally responsible for paying. XXXX XXXX XXXX XXXX took it upon themselves to add my name to this collection account and put a derogatory mark on my credit when this account was not in my name in the first place when XXXX XXXX Hospital sent the account to them. XXXX XXXX XXXX XXXX has put a derogatory mark on my credit for an account that is not mine, threatened me, would not allow me to send evidence that the account was not mine, has not submitted proof that I owe the bill because the do not have my address and should not have my address since XXXX Hospital submitted the account on my ex husband and all of his information. We have been divorced since XX/XX/XXXX. XXXX Hospital is also working to remover my name from XXXX XXXX XXXX XXXX since they did not send my name on this account.
Hello, I believe Paypal has illegally seized {$9800.00} from an illegal debt collection attempt ( debt 10 years old and not under my account ). These potentially illegal policies undertaken by Paypal effect many Americans who have been very vocal but as of yet not heard. I appeal to you to please investigate Paypal. I have included my story below. 

On XXXX/XXXX/XXXX Paypal limited my account so I could no longer remove my balance until I contacted them. When I called they informed me that I owed a balance of {$1300.00} and they were freezing my account and my wife 's account until it was payed. This {$1300.00} dollar debt was not part of either of our accounts and was not our debt however they " hard linked '' our accounts to this defaulted account and held over {$13000.00} to cover a {$1300.00} debt that was not ours to begin with. To add insult to injury this debt is from XXXX XXXX, well outside of any statute of limitations date in America. I feel this debt collection attempt was illegal. 

I called Paypal to inform them of this illegal debt collection attempt and I was finally put in touch with an individual named XXXX who was 4 supervisors up in the call chain. He assured me the problem was fixed and the debt was cleared off our accounts. He spoke of white listing the defaulted account. 

On XXXX I attempted to move funds from Paypal to my personal bank. It was blocked. Paypal stated they wanted more information. They asked for my drivers license and a copy of my invoices. I complied. Within the hour my account was shut and my money seized and I 'm now being told I must wait for 6 months to receive my funds XXXX if there is any truth to that ). 

I 'm being harassed for an illegal debt collection that is not mine and now Paypal has seized my cash balance of {$9800.00}. Paypal has seized {$9800.00} to collect on a 10 year old debt for {$1300.00}. 

Thanks for you time and help, XXXX XXXX
my elderly mother is in the middle of a reverse motgage forclosure i have been trying to contact the lender on numerous times as well as there attorneys with no repplies being returned i have noticed going through various paperwork of hers that this loan that elprted out with XXXX then became XXXX then to champion and now on the legal documents is now nationstar dba i and my mother are totally confused all i am asking the lender for is a payoff amount on the loan and time to sell the home and help my mother preserve a few years of life she might still have left i have no idea why this loan has been transfered to different banks any why this is even legal my mother was talked into this loan by her brother some years back i do not know who else to ask for help as there is so little helpful information on these loans to be found as i said above all i want to do is help my mother sell her home before we can not these loans are a disgrace and should be made illegal thank you and i hope you can help us
This is not my account. 
I sent registered letters to all parties involved and never received a response. 
I had to send XXXX letters to finally get a boiler plate letter stating, there were no changes made
Caine & Weiner, a collections law firm, has reported and opened a collections account on my personal credit report. I disputed with them many times but they reject to delete it from my account. What they 're doing is illegal. I have never asked or received a personal loan from their client, XXXX. That loan was received by a small business that is an LLC company where I have 5 % shares and it was a small business loan without collateral or personal guarantee. The company that got the loan shut down their operations and now, this company is coming after me as I 'm the only person in the US. I 've never signed a contract for any loan. This company ca n't post this under my personal account as there is no proof that I signed for that small business loan and it was a small business loan, not personal. I never received any kind of personal loan from their client. This company is using my social security number for wrong purposes and they have to delete this record from my file immediately. It is against the law and they ruined my credit.
ChapXXXX Bankruptcy discharged all debts. Bankruptcy was filed XX/XX/2016. Equifax refuses to change my open collections to CLOSED. I have disputed the information 4-5 times online and via fax 2 times. Equifax continues to report accts as open collections They have updated the language on the accounts to include " bankrupty- undesignated chapter '' in the remarks section and they have changed the balance to zero, However Equifax refuses to correctly report the accts as CLOSED. 
The accts ARE closed and EQUIFAX should be reported as such. Reporting it any other way is falsifying information. An open collection acct has a negative impact on my score. There are XXXX accounts that EUIFAX is reporting as open : 1 ) XXXX XXXX/ Original Creditor : XXXX XXXX XXXX XXXX 2 ) XXXX XXXX/Original Creditor : XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX./Orginal Creditor : XXXX. 
It should be noted that I am making a cross complaint against the above listed creditors as they have repeatedly reported the information incorrectly to the CRA 's they also have been asked to update and report the accts as closed. If the creditors and the credit reporting agency continue to falsely report the accounts as open, I will follow up with lawsuits. The debts were discharged in bankruptcy. The accounts are closed and should be reported as such.
This is a Credit Reporting Company their job is to make your credit report available yo you. Their computer system software is totally inept. You are sent information to view dispute results when you go to this page it never loads your dispute results, there is always one error message or another. Have tried multiple times at different times of the day and night to accomplish said task. They are incredibly hard to get on the phone, all the time, only by tricking their phone system can you get to a live person. Their version of a credit report is nothing like the other two agencies, it is very hard to understand and read, it is excessively long compare to the other two. I have never ever been provided a score by Equifax. Getting them to do what they say they will and are supposed to do is very difficult. I have previously asked for them to be mailed and never received them, requested again today, but I have no faith in Equifax.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$1400.00} I disputed this amount. I was never at the hospital. I asked for documentation. None was provided.
I am just learning that XXXX is a well- known and much-reported scam. This is a copy of the email that was sent to me asking me to do a free credit report. I am asking for my three months ' billings to be refunded. I am in touch with XXXX Fraud Prevention and I am filing a claim. I have also been in touch with XXXX ( which is the company that you allegedly use ) that this scam is ongoing throughout the US. 
I am on social media and alerting all that this company as a scam. 

Here is another example of it : https : XXXX? XXXX -- -- -- -- -- THIS IS THE FORM LETTER I RECEIVED Hi XXXX, Thank you for your interest in the property listed for rent. You were the second to e-mail from the ad. The first prospective tenant no longer had to move because of his home situation. So we give the opportunity to you. We are now ready to lease with flexible terms and just completed all new renovations. We will work with you on move in date, lease length and security deposit. 

I understand that you desire the exact address of the property but my husband does not want me divulge due to safety reasons. We have had a string of break-ins, squatters and thefts at our other properties. We want to prevent that with this property because of the renovations that have cost plenty of money. You 'll be the first to move in with the renovations. That is why we want to confirm you haveyour updated report before we schedule a tour. 

All utilities are priced into the lease along with garage parking spaces. The appliances in the kitchen as well as laundry room were just installed. You have the option to pick your paint color and flooring priorto your arrival If you would like to set up an appointment, go to the link below and request a copy of your report. We recommend this site because all of our tenants used it and have n't had any problems. Just fill out the form and indicate that you want the report. We are not concerned with any negative report items, it 's more of a formality to ensure you have rental history. You can get your report by CLICKING HERE Do not send me the report over mail, bring it to the tour. Please let me know when you grab your report. I can then schedule you for a walk through of the place. 

Thanks, XXXX
My house was sold at a foreclosure auction on  XXXX / XXXX /  XXXX  . Around  XXXX / XXXX /  XXXX  ,  XXXX   XXXX  of  Carrington Real Estate Services, LLC con tacted me. I confirmed with her that I was occupying the house with my  XXXX  minor children. She stated that she would request a cash for keys offer for me. On  XXXX / XXXX /  XXXX   ( before I heard back from  XXXX   XXXX  ), I arrived home from work. My son tried to unlock the front door, but found the key did not fit. I took the key from him and attempted to unlock the door. The key would not go in, but I was pushing on the door while trying to unlock it and the door popped open. I looked down and could see the shavings where someone had drilled the old lock. The new keys were on the floor inside the door. The house was completely unsecured ; all my personal property was inside and I had no way to know if someone was in there. I left a message for  XXXX   XXXX  asking about the lock change. On  XXXX / XXXX /  XXXX  ,  XXXX   XXXX  returned my call. She stated that she did not know why my locks were changed. I called Carrington Mortgage Services, LLC. They would not admit there had been a lock change ordered, but I was told that they have the legal right to change the locks. I told Carrington that I know my rights and they do not have the right to change the locks while I, the former owner, was in possession of the house. I told them that they have to go to court to get possession. I told them I would be changing the locks because I did not know who had access to the house. On  XXXX / XXXX /  XXXX  , I was working at home and heard someone at my front door. When I opened the door, there was a man standing there about to drill the locks and put in new locks again. I asked him what he was doing. He said he was securing the house because it was vacant an d Carrington had ordered the locks changed. I told him it was not vacant and that Carrington Mo rtgage and  XXXX   XXXX   XXXX  was aware that I was still in possession of the house. He told m e Carrington had  checked and the house was vacant. I asked them how they checked ; he said they talked to the neighbors. That can not be true. I live in a townhouse and know both my neighbors, who are aware that I am still living in the home. I told him that he has no right to change the locks while I am still living here. He told me that  Carrington had the right to change the locks because they bought the house. I told him they can not change the locks while I am in possession and that they must go through the courts to evict me in the state of Maryland. He left. Carrington Mortg age and  XXXX   XXXX   XXXX  have violated my rights as the former owner in possession of a foreclosed property. Maryland law does not allow self-help eviction. The owner of a foreclosed property must go through the courts to get possession of a foreclosed home occupied by the former owner by filing a motion for judgment awarding possession and then go through the eviction process.
I had a an auto loan with XXXX XXXX for over 2 years in excellent status and paid in full. According to XXXX XXXX Experian is only allowing to report my status only if my account is open and not paid in full. Further more , XXXX XXXX was nice enough to inform me, if they send it to Experian, it will show as an open account and will do me more harm. I wrote to Experian several times and had no answer. Please help.
I received a letter from the payroll department last week at work that they had received an order to garnish a percentage of my wages due to an alleged debt that I owed. 

This communication allegedly came to them from from XXXX XXXX XXXX XXXX on behalf of New Century Financial Services. This was the first I heard about this alleged judgement of Wage Execution and had received no prior communication about it. 

When I called New Century I was told that the {$11.00}, XXXX. XXXX debt now belonged to the law offices of XXXX, XXXX XXXX XXXX. I called that office and was told that the debt was from XX/XX/1994 and attached to a XXXX XXXX and that the judgment was against my ex-husband and me. 

I did not take out this credit card and was unaware of any debt attached to it. They have now started garnishing my wages, effective XX/XX/2018 because I am employed and my ex-husband -- who I have been divorced from for nine years -- is not. 

This is not my debt and I was never notified about this debt from anyone. I want the wage garnishment to be stopped immediately. 

I tried resolving this with XXXX, XXXX XXXX XXXX and they told me because my ex-husband has no assets to garnish they are coming after me.
On  XXXX   XXXX ,  2017 a nd  XXXX   XXXX ,  2017, a let ter for validation of debt  and HIPAA V iolation was sent to Central Financial Control. The amount presumably owed {$600.00}. The letters asked for a breakdown of fees, copy of my signature from the provider stating the release of detailed medical information to them and to cease any credit bureau reporting until debt was validated by me. As of  XXXX   XXXX ,  2017, I  was provided by Central Financial Control and itemized statement that included all procedures, NOT CODED, which were performed including  XXXX ,  XXXX ,  XXXX   XXXX  and drugs administered. Which is a violation of t he HIPAA Act. I  was never provided a statement from the original creditor that would allow the release of medical information to central financial control. I had never received a bill from the original creditor nor central financial control. I have asked that the presumable debt be deleted from all  XXXX  CRAs.
I have contacted XXXX 's XXXX several times regarding my fraud claim. For account XXXX. 
After I reported the charges they issued a new account number which is above. 
They said after called to check the status of the claim that it was denied because I had not return the form back. I submitted the fraud claim to them twice. 

Now there is fraud charges of XXXX in the account which I also reported late payments on the credit reports which adversely affecting my credit.
I received several promotional offers for 0 % APR on certain purchases with Home Depot ( I believe the card is issued by Citi ). When those promotional balances came due, I designated the promotional offers that were expiring to be paid prior to their expiration date of XX/XX/XXXX & XX/XX/XXXX ( this happened on consecutive statement cycles ). On the online banking system, they showed as having a {$0.00} balance 4 days prior to the due date (XX/XX/XXXX & XX/XX/XXXX ). However, when the next statement cut, I received all the deferred interest charges because the bank applied my payment amount to different promotional balances. By doing this, the balances that were expiring were technically not paid off because part of the payment was allocated to a different promotional balance expiring in the future. As mentioned, this happened in consecutive months. I had two promotional balances expiring in XXXX in the amounts of {$170.00} and XXXX for a total of XXXX. I made payments during this cycle with a total of {$790.00} ( which more than covered the expiring promotional balances ). However, my payments were applied across three different balances. The first balance of {$170.00} was paid off. However, only {$420.00} was applied to the expiring balance of {$570.00}, and the remaining {$200.00} was applied to a promotional balance expiring in XXXX. This left a remaining balance on the now expired XXXX promotional balance. As a result, I was charged {$200.00} in deferred interest incorrectly. I had one promotional balance expiring in XXXX for a total of {$2000.00}. I made payments during that cycle with a total of {$2200.00} that again more than covered the promotional amount. However, only {$670.00} was applied to the now expired promotional balance, and the remaining {$1600.00} was applied to a promotional balance expiring in XXXX. This resulted in a deferred interest charge of {$1800.00} being incorrectly assessed. The bank did reimburse the interest fees, but only after hours on the phone with them. This type of behavior certainly qualifies as unfair and deceptive, so it is definitely a UDAAP violation. I would imagine it also violates Regulation Z. I am now paying off the last promotional balance with this card, and I can already tell that I will have to go through the process again of having them reimburse another interest charge based on how it looks like they processed my most recent payment online.