WillisBack/dataset-financial-user-claim huggingface dataset:
I recently had my bankruptcy case dismissed because I could not pay my account. I certainly can not make student loan payments. I still do not have a job ( after 10 years of being unemployed, underemployed or partially employed ). 

My original student loans were about 80K or so when I went into bankruptcy. They are now reporting over $ 120K and charging me close to {$1000.00} a month in interest, so each month I don't pay, my loans go up and credit score goes down even more. I DON'T HAVE A XXXX INCOME, AND AT THIS RATE I WILL NEVER BE ABLE TOPAY. 


I'M XXXXL OVER THIS. I HAVE NO RECOURSE AND NO WAY TO PAY THIS.
-On XX/XX/2017 I purchased a home and got a conventional loan for {$420000.00} at XXXX apr under the promise of receiving {$10000.00} overfunding cash from XXXX XXXX XXXX XXXX XXXX after closing I agreed but after numerous attempts to collect I received a payments for {$1500.00} on XX/XX/XXXX, another {$300.00} on XXXX and continuous promises of payments since that date. 

XXXX kept telling me he had a few issues but they would soon get resolved but week after week nothing got done. 

He told me it would have been wise to refinance at current rate after 6 months to lower my interest and therefore reduce my monthly payment and he would have paid me out the balance when he sold my loan. 
On XX/XX/2017 I refinance and lower my rate to XXXX % but no money has been paid even after weekly messages back and forth. 

I need help collecting my balance of {$8900.00} from the money he took, interest free without my permission, that is a theft and shows very poor character for a men in his position.
I submitted the correct paperwork for deferment and cancellation and deferment of my Federal Perkins loan in XX/XX/XXXX, and then twice in XX/XX/XXXX. I received no response at all the first and third times, and the second time, I received a response that the paperwork was dated incorrectly. I am also currently enrolled in grad school full time. However, they are still trying to bill me for this account. I have contacted Heartland multiple times, and they have made no efforts to resolve the issue.
I have had a loan with Circleback Lending for over a year. They recently completely eliminated their website, without seeking consumer consent for changes, and made online payments impossible. Now the only way to make payments are through the phone, with an average wait time of 10-15 minutes, or through automatic debit. Unfortunately, they do n't have an online site through which customers can download automatic debit forms and have failed to email the form to me, despite my requests. This approach to customer service and to lending would have been a deciding factor for me when I chose this lender, and I would not have taken the loan with this organization.
NYS Child Support put Restraining Notice on my account. Now the bank is doubling the order. I want to close my account because Chase say I have to pay Overdraft or Insufficient Fund fee plus they Monthly Fee since I will not be using my account till this problem is resolve. I no longer want this account.
We had a mortgage resolution conference with  Citibank  on  XX/XX/XXXX    and both parties came to agreement. We were set up on a trial payment plan for 3 months. I paid {$930.00} that day and here is a list of the other payment dates of {$930.00} :  X/XX/17   ,  X/XX/17   ,  X/XX/17    and  X/XX/17   . I tried to speak to  Citimortgage  yesterday to make a payment and question the wrong statement they sent me, but after  57 minutes and being shuffled between four differe nt departments while waiting to speak to a fifth department my call was dropped. I sent an email to an  XXXX   XXXX  who is my dedicated??? Homeowner Suppor t Specialist aski ng him to call me after   XXXX   XXXX   which he did not yesterday or today.    Citibank sold? my mortgage to Citimortgage. Citibank or Citimortgage is confused, messed up or ridiculously inept. They have not sent me any documents after the 3 month trial period pertaining to the modification, they say I have a past due amount of {$50000.00}, say I am being charged {$41.00} late fee, and their   principal balance is wrong.
contacted company for verification of debt by sending copies of documents from the original creditor confirming i agreed to their services, accounting info etc. I received a letter for a settlement without any confirmation this account belongs to me or is accurate
1. Received Email notification from PayPal saying my was in a negative balance XX/XX/XXXX 2. Called XXXX that was on the form and talked with a XXXX 3.  Requested the original transactions, who initiated them, who the payee was and what account was the money to be taken from. She had some story that she could not supply the originals for me. 
4. I asked her to mail the original transactions dates to me XX/XX/XXXX and she mailed me copies of the transactions with fake dates on them. 
5. I sent Certified mail to her on XX/XX/XXXX requesting the original transaction date on all the  transactions that they said I owed and gave them 14days from date of receipt or the debt would be considered not valid. They received it XX/XX/XXXX. 
6. In XX/XX/XXXX they added more transactions to my account and increased the amount they said I owed. I have not initiated an transactions. I had expressed my concern that there was fraud on my account. 
7. They did not respond to me at all and then placed the account into collections, I called PayPal again and they refused to talk with me and treated me very aggressive and rude, told me I could only talk with the collection agency. PayPal has a 60 day period to try to resolve with them they did not even honor that period of time 8. I sent a certified letter to the collection agency and requested the original transaction dates and they were supplied with another letter from PayPal with totally different information. 
9. I have not authorized payments for what they say I owe and PayPal can not give me an exact date only a debt sometime between XX/XX/XXXX and XX/XX/XXXX or the payee of those transactions that were supposed to be taken out of my PayPal balance, which if that is the case they used money from my PayPal balance and the still wanted more money. This sounds like fraud on their account.
a law firm filed a bogus credit card debt through XXXX while i was in texas and reieveid a default judgemenet. when a i returned i filed a motion that to set aside the judgement, the judge denied the motion. i called the aledged company and they in formed me that they do not issue credit card and had no records of any such transaction. i mailed the collection agency and their new law firm a debt validation and cease and dessit letter, their response was that the default judgement was thier proof. they are garnishing my wages with the courts help the court refuses to recognize federal and constitutional law, as well as ignored my request for due process.
Comenity Bank refused my application for a XXXX XXXX XXXX XXXX Mastercard account. I requested my credit report to see why. Comenity claims they declined my request because of " Delinquent past/present credit obligation and limited credit experience. '' But the XXXX report they used to make this determination shows that I : a ) Have paid 112 % and 121 % of the monthly payment amount on XXXX of XXXX student loan accounts for the past 74 and 55 months respectively, and paid the remaining account off in full 8 years ahead of schedule, b ) Have never been delinquent on 22 of 22 auto payments to date, and c ) Have never been delinquent or carried a balance on XXXX of XXXX credit cards for 99 of 99 months, 53 of 53 months, 52 of 52 months, and 39 of 39 months respectively. 

Comenity also said they declined my request because of the " number of recent inquiries, '' but XXXX shows only XXXX pulls in the past 3 years ; XXXX for the credit application referenced in this complaint, and the remaining XXXX initiated by lenders -- not me. 

Finally, Comenity said they declined my request because they were " unable to verify credit [ my ] history, '' but XXXX reflects loans and revolving credit dating back years, all of it paid on time or indeed, early. The XXXX report also shows XXXX loans from " XXXX XXXX '' that were delinquent ; however, I do not recognize them, do not believe they are mine, and have been trying without success to get XXXX to remove them for years. ) I wish to understand why Comenity made claims about my credit history that are not backed up by the XXXX report they used, which shows my history of making payments ahead of schedule for my student loans or paying them off entirely years in advance, and my never having made been delinquent or carrying a balance on any of my credit cards. I feel Comenity first made its decision to decline my application and then attempted to justify it assuming that I would not verify their claims against the credit report they referenced.
In XX/XX/XXXX we did a Cash for Keys agreement with Bank of America. We had tried for several years to get a loan modification when the economy crashed in XXXX XXXX, but it was never completed. We had decided things wouldnt get any better for us and we were going to move back to XXXX to be around our family. Our house at that time was {$200000.00} upside down. It was at this time we obtained an attorney and decided the Cash for Keys was our best option. Upon inspection of the property Bank of America paid us {$5000.00} to vacate the property. We were told they would take possession of the home and in 2 years we could try to purchase a new home in XXXX. Our credit took a hit. 

In XX/XX/XXXX we went to look for a new home in XXXX. Our credit was checked at that time and it showed we still owned a home in XXXX. Bank of America never took title to the property even though taxes were paid by them and they also were paying H.O.A. fees. There is now a lien against the property for H.O.A. fees with penalties. Our attorney reached out to B of A and they said they had no agreement with us and that we would have to sue them before anything would be done. 

Our attorney filed a case for Breach of Contract. The case was moved to Federal Court. Our attorney informed us we had a bad judge & it didnt look like she would rule in our favor. The case was dropped and our attorney proceeded from another angle. We sued B of A for not taking action within the Statue of Limitations. Several months ago our attorney informed us the state of XXXX  was no longer honoring the Statute of Limitations. The judge said she couldnt rule based on the statute of limitations, but was curious as to why B of A never took title to the property. The judge reviewed the case and decided that we didnt have quantifiable damages as a result of their breach. The case was dismissed again. We have copies of all emails from our attorney if you need to see them. 

In the meantime we were informed of our attorney 's death. We are now stuck with no attorney and haven't found another one to take our case without paying a large retainer fee. Bank of America has said that they plan on going through with the foreclosure. As of today we have not received a foreclosure date but did get notification from XXXX XXXX XXXX XXXX. We feel like this is just not fair. That is why we are reaching out to you. If they are allowed to foreclose our credit will be hit again and we are afraid that the laws now will result in a large XXXX fee. We will never be able to finally get settled in a home here. Right now our money has all been wasted on rent ( {$1500.00} a month ) and our entire home has been in a storage unit ( at {$170.00} per month ) since XX/XX/XXXX. 

Attached you will find copies of the Cash for Keys check & the inspection letter. We also attached a couple of other letters pertaining to the Cash for Keys agreement.
I would like the incorrect issue on my credit report removed showing a judgement as this was satisfied/paid in full a while ago. Thank you
I missed a payment by oversight. When they called, I told them the date I would pay. I paid the required amount on the date I had told them. However, they continued to call me. i paid on Friday XXXX but they called me 7 times on Sunday XXXX. Each time I answered the call it hung up - robo calling harassment. They called me three more times on Monday and eventually had someone on the line when they proceeded to ask me awkward questions for someone who is a working professional caught on the phone in their office.
On XX/XX/2018 4 payments were received by Wells Fargo. Each payment was done by check. Normally, Wells Fargo would post the payment on the credit card account and then the following day the check would clear the Wells Fargo checking account that the checks were drawn off. But this time, that did not happen. Wells Fargo did not post the payments but rather collected the money and then one business day later the payment was posted to the account. 

I contacted Wells Fargo about this issue and was informed that payment can take 1-3 days to post but after explaining to the customer service rep that in the past that was not the case and this only began to happen once the credit card account was closed. I was transferred to a supervisor who explained the same thing but after informing them that my concern was not being addressed, I was then transferred to another rep who continued to explain the same thing to me about payments taking 1-3 days to post. 

I interrupted the last representative and advised them that this only happened after I closed the credit card account and based on the actions of Wells Fargo, this appeared to be a deceptive practice. I was then informed that my issue would be escalated to another department who would be contacting me within 1 business day. I was provided with case # XXXX and provided that department 's phone # as XXXX. 

As I researched further I came upon the last 3 check payments that were sent to Wells Fargo and found the following information : On XX/XX/2018, 3 payments posted to the credit card account {$23.00}, {$26.00} and {$24.00}. As XX/XX/2018 fell on a Friday, the checks cleared my Wells Fargo checking account on XX/XX/2018. 

This is why I believe that Wells Fargo is once again engaging in deceptive practices as other financial institutions such as XXXX XXXX XXXX, XXXX and XXXX do not collect funds and then post a payment. The same can be said about other financial institutions such as my auto loan.
I setup an account with Coinbase and invested XXXX GBP. I made a little money buying virtual currency and sold the stock which is now valued at XXXX Euros. I have tried to withdraw this money and the company are not allowing me. 
I have emailed them, tweeted, and getting no reply. I think this is a scam company
Someone tried to obtain a credit card from PayPal through XXXX.I never applied nor would I.Iwrote a letter to PayPal to send a letter of Deletion to XXXX but after a month was told they were not able to comply because they use XXXX XXXX XXXX to do credit checks and the bank is responsible for all credit from PayPal. I contacted the bank and they said it was not their responsibility to resolve PayPal disputes.XXXX was very hard to reach and  said they could not help me without The Letter of Deletion from PayPal The date I was first aware of the fraud was XX/XX/XXXX,2017.
CASE # XXXX ( MORTGAGE LOAN # XXXX ). 
The response letter dated XXXX XXXX, 2015 from HSBC/XXXX XXXX did not address the problem raised by me. The form for " payoff '' claimed to be mailed XXXX/XXXX/15 by XXXX XXXX and also mailed by XXXX XXXX XX/XX/2015..none of those was ever received. XXXX XXXX, 2015 spoke with XXXX XXXX, who said she was awaiting the return of UNDELIVERED MAIL TO ME. Failure to provide copies of those XXXX pieces undelivered mail with notations by Postal Carrier on envelope citing reasons. 
Failure to also address XXXX XXXX questioning my ability, comparing me with others who may have failed to " payoff '' after receiving statement of high payoff amount. My response to her " why comparing me with others '' ..all of these conversations by phone 'recorded '' for records. She went beyond her bounds questioning my payoff abilities. 
I am claiming a refund of interest {$39.00} for HSBC/XXXX failure to promptly provide the " payoff '' info requested ... that took me XXXX different times ( XXXX by letter/note, XXXX by phone calls. 
XXXX XXXX XXXX 's XXXX XXXX, 2015 letter stated " late fees " in amount of {$42.00} assessed with transaction code # XXXX. Since establishing this HELOC, I was never late making payments.
XXXX XXXX reported old debt as new to my Equifax credit report. I have NOT had a XXXX XXXX account since XXXX XXXX. I have not paid a bill to XXXX since XXXX XXXX. I XXXX the debt in Bankruptcy in XXXX in NC. The debt is more than XXXX XXXX XXXX NOW and I want it removed from my credit report in its entirety. DO NOT ADD A NOTE that it was included in Bankruptcy while leaving a balance owing is ILLEGAL. I want XXXX XXXX XXXX!
This loan is over 15 years old and they have never contacted me and I honestly forgot about it and today a collection co called me from XXXX XXXX XXXX and said a warrant was issued for my arrest and bond was XXXX dollars but could n't tell me loan any etc. Said I had 3 charges against me. Then said if I promise to xa them back w my bank info they 'd put warrant on hold when I now understand this can not be done. They need to take me to small claims court and I offered to start making payments and XXXX XXXX is who called n she stared o no we need the money in lump sum ir your warrant will be taken off hold.
I requested my PMI be removed from my mortgage early as I have paiddown the balance early to reach 20 % equity. When I requested the PMIbe removed from my loan, I was told that I would have to pay {$150.00} fee to shshow that my home as not decreased in value. When I reach 22 % equity thethe PMI will automatically come off without me having to do anything. 
I have never been late and have paid extra on my mortgage. Theburden of proof is on the lender. I have made numerous improvementson my home including a new kitchen. If anything the value on my homehas increased. I have never been late and paid down my balance. 
There is no evidence to suggest that my home has decreased in valueyet they want another {$150.00} from me to remove the PMI. I have donewhat was needed to remove the PMI. Paid down the LTV below 80 % and notified them in writing to remove the PMI. My lender is US bank.
In XX/XX/XXXX, CitiFinancial claims I had a personal loan with Citi Financial for {$5400.00}. 
- In XX/XX/XXXX, they stated there was an agreement where a term of no interest, penalties or fees on the remaining balance ( 2 years old ) and monthly automatic payment were withdrawn from my bank account. 
- At some point, the auto withdraw was stopped. I assumed the debt was settled. I never was notified about any other dept or balance. 
- They ( Citi Financial ) told me today that on XX/XX/XXXX, they did charged off for the balance of this account. 
- In addition, they ( Citi Financial ) said on XX/XX/XXXX Citi Financial filed and received a Judgment in the amount of {$5.00}, XXXX. More than the initial debt and no credit for monies paid. 
-I bought three different homes. All three were through XXXX XXXX. Both myself and my load officers contacted Citi Financial and was told no debt was on file and no outstanding debt was owed. These documents were part of my loan closing. In addition, the three credit bureaus removed the information from my credit report. 
- Now, here in XX/XX/XXXX, they are sending me a " Notice of Forgiveness '' for the amount of {$2600.00} ( 9.75  years Later? ). I will be given a XXXX for that debt. 
Should I not have gotten this XXXX when the alleged account was Charged off in XX/XX/XXXX? Or, some attempt to collect in XX/XX/XXXX? How much were the automatics payments taken from my bank account? 
- I am disputing this attempt to issue me a XXXX on the alleged account and the balance of {$2600.00}.
I went to Experian 's site and clicked on free credit report. I did not know they would charge a {$1.00} then {$21.00} every month. Why would I pay {$21.00} every month when I can get it for free 3 times a year. I had never done this before. I called Experian and told them my story and they said, too bad. 
I have disputed the charges on my credit card. 
Experian 's tricks people into thinking they are getting the free credit report. They did n't list the {$21.00} charge.
Under the new law effective XX/XX/XXXX, 2017 any public record data must include name and address as well as SSN or D.O.B. in order for it to appear in your credit file. The credit bureau has not updated the information as per the new law true bankruptcy listed does include this information and should be deleted from my credit report.
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed XXXX Inquiry Date XX/XX/2017 2017
I lost my credit card on my way to XXXX. As soon as I got there, I canceled the card and asked for an emergency replacement card under the terms of my XXXX agreement, as follows : The following statement was taken from the XXXX web site : If your card is lost, stolen, damaged or compromised, we will work with your financial institution to approve and expedite the delivery of an emergency card to you. XXXX XXXX XXXX XXXX XXXX XXXX are on stand-by. Call us toll free ( XXXX ) or call one of our global toll-free-numbers. 

I tried over and over again for 7 days to get a replacement card. XXXX could only tell me that TD Bank had not yet approved it. TD Bank said it was waiting approval. After a week, TD Bank said my request was denied and was unable to provide any reason for the denial, or any person who could explain it. This seems totally wrong for a person who has not had any late payments in over 25 years and has an XXXX credit rating to be treated this way. If they had provided a reason, I could have corrected any misinformation they may have had, and gotten the replacement card. 

As a result of TD Banks refusal to replace my credit card, I was later erroneously charged {$330.00} from a car rental company who was never willing to provide me with a car. 

When I returned from XXXX, I contested the charge for the rental car and {$330.00} was taken off my bill on XX/XX/2018, after which I sent TD Bank 3 different sets of information supporting my chargeback claim. 

On XX/XX/XXXX, the charge was reposted to my account. I was about to file a formal complaint at that time, but on XX/XX/XXXX, I was sent a letter stating that the dispute was resolved in my favor. However, to this day, they have refused to credit back my {$330.00}. It has been 23 days since the dispute was resolved in my favor. I called on XX/XX/XXXX and was told I would have to wait another 3 or 4 days. 

Today ( XX/XX/18 ), I spend an hour on the phone trying to get an answer. The answer I got was infuriating. I was told We made a mistake and you will get your refund within 14 days. That would be a total of 37 days that they have been holding my money without justification. I also have no reason to believe that they will honor the 14 day commitment. 

When I asked to speak to a supervisor, I was told that none were available, and one would call me back in 24 to 48 hours. I find this totally unacceptable when a charge appears on my account in less than 5 minutes, but it takes 37 days to return my money that they have because of their mistake. I was forced to pay them this money to avoid finance charges. 

So, I am asking for the immediate return of my {$330.00}, and that they pay a penalty to you or me for misappropriating my money and violating the terms of my XXXX agreement.