WillisBack/dataset-financial-user-claim huggingface dataset:
I had, and still have a paypal account that I occasionally use to pay bills to few merchants. I have usually one or more credit cards on file at Paypal so that Paypal can use my credit card when I use Paypal to pay bill. On XXXX XXXX, 2015, I wanted to pay a bill using my Paypal account. Since the credit card on my paypal account was expired/cancelled, I added a new credit card to paypal account and then paid a merchant {$33.00} using Paypal. 3 weeks later, I got a call from paypal saying that I owe {$33.00} in Paypal credit account. Since I know that I never had a credit account with Paypal, I called them back to find out. They said I opened a credit account on XXXX XXXX and paid a merchant {$33.00} using that credit account. I said I paid with the credit card on file. They said since the credit account is opened in my name, the only way that can happen is that I did it. XXXX I never opened a credit account with them. I had numerous conversation with them the last few days. The claim the only way a credit account can be opened is, if the customer did it. I told them, may be your system made an error. They would not agree. Then I XXXX searched and found that this is their regular practice to open credit account for unsuspecting customers. However, in my case, I accidentally did not click on anything on their site. I know this because I am a professional software worker and good at finance. So I did some digging of the records. From my email account I found that they sent me an email about opening " a credit account '' at the very same minute, I added a credit card to the paypal account. As per paypal policy they must send an email when " a credit card is added to an account '' stating that it happened. I verified the logs that they have that my credit card was added at the very same moment they sent me the " opening credit account ''. There is only one explanation for what they did. They created a credit account for me when I added a credit card to the file. It could potentially happen, though unlikely if they have a bug in the system ( I am XXXX, I know how this can happen ). The potentially dangerous reason by which it happen is when customer add a credit card to file they deliberately create a credit account. The fact that they did not send me an email about adding a credit card and at the same time sent me an email about the credit account creation, points towards this ominous scenario. In that case, their system is programmed to do that way for unsuspecting customers. Because they opened a credit account in my name, I took a hit on my credit history. I asked them to go and clean up the damage with XXXX credit beauros. They refused. I also asked them compensate for the damage they did to my credit history. They refused. I promised them that I file this complaint. I asked them not destroy evidence of logs, emails, phone calls etc. Please take action against them
I am a XXXX years old. I applied for modification of my mortgage four years ago when it was serviced by XXXX XXXX Company. I agreed to a modification in which my payment would be {$480.00} per month including my insurance and taxes, I was told if I make four payments of that amount, I would have a permanent modification. I sent XXXX the four payments, then I sent another two payments. XXXX was taken over by Flagstar bank. Then I was notified that my payment would be {$520.00}, not including my property taxes or insurance. This was not affordable and not what was agreed. I did all that I was asked to do and it seems like it was a bait and switch. I then worked with Flagstar trying to get a modification that I could afford, I sent my documents in four times, they kept making me resubmit them, only to tell me in the end I did n't qualify. I have the fax confirmations to prove it and can provide the information if needed.
My home was sold in foreclosure sale and purchased by Flagstar bank for {$40000.00}. I can afford the first modification amount of {$480.00} and if they had lived up to that contract I would still be in my home. This has caused a tremendous amount of stress on me and has impacted my health. I do n't want this to happen to anyone else. If a company buys another company, they should live up the existing agreements, they also should not require homeowners to submit their documents time and time again. It wastes time, but more importantly is playing games with peoples lives.
This debt was settled and paid in full to a different firm. Capital Management Services LP is falsely claiming this debt is outstanding. They have attempted to bill me for this. The bill states " unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid ''. This is fraud. I do not wish to contact anyone representing this firm.
I am filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA -- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Purchased a vehicle from XXXX XXXX. They over charged for a new car inspection which I brought to the finance managers attention upon signing the paperwork and was told they would refund the over payment of {$27.00} this was on XXXX/XXXX/XXXX and now we leave messages for XXXX XXXX and we never get a call back and have not received our refund. They are making a small fortune from overcharging every one on the state inspection fee. New car fee is {$10.00} for the first two years and they charge everyone the {$37.00} fee. I want my {$27.00} paid back.
I HAVE NO KNOWLEDGE OF THIS COMPANY AND WANT THEM OFF MY CREDIT REPORT .I HAVE NO LEGAL CONTRACT WITH THIS COMPANY AND I WOULD LIKE THEM REMOVED FROM ALL MY REPORTS
I have already submitted a complaint in the past about USBANK, an institution that has been destroying my credit because for my late payments. 
I have called several times asking them to reduce the payments to what I can afford ( {$200.00} ), instead of {$310.00}. 
I have been asking asking for that FOREVER. They haven't cared at all. 

My wife now leaves in NY and my expenses and credit cards do not allow me to pay an extra {$310.00} for the loan. I want it lowered to {$200.00} so my payment will NOT be late AND they can STOP DESTROYING MY CREDIT SCORE. What USBANK has been doing to my credit is BULLYING. I have never refused to pay. I always make effort to pay, BUT, for the time being I can not keep up with that loan. USBANK needs to lower the payment to what I CAN pay ( {$200.00} ). This is a REASONABLE request from someone who responsibly wants to pay the loan off. 

It is an absolute shame that I have to keep BEGGING the bank to lower it what i can afford. That is NOT how a company that calls itself the " most ethical company '' should function. 

I need assistance getting my monthly payment to what I can afford. 

Thank you, XXXX XXXX XXXX
My bank is small and only in Michigan. I was out of town for 3 weeks and needed to make a deposit via an app in order to avoid an overdraft fee. First Merit Bank does not allow overdrawn accounts to use any online/app features. So I was unable to make the deposit necessary to avoid the overdraft fees. They also would not close or suspend my account ( because it was overdrawn ) to avoid the overdraft fees. So XXXX {$35.00} overdraft fees were charged for being {$0.00} overdrawn with no means available to me to make a deposit while out of state, or stop further overdraft fees from being added. First Merit asserts that I must pay these fees or have them negatively affect my credit rating. This is the definition of criminal activity.
I went through court ordered mediation in XX/XX/2013 with PennyMac. They approved the refinance but illegally added over {$6000.00} dollars in legal fees and sold off my account to XXXX. This has increased my monthly payments and the low finance rate they promised. This has affected the total amount owed and made my debt to income rate artificially higher. I want to request that a qualified written request be done immediately.
I am currently in review for a loan modification and have provided all the paperwork that my mortgage servicer has requested. I also have a foreclosure sale scheduled on XXXX/XXXX/15 and need help getting it pushed back.
collection agency. I called the collection agency and was told that an account was opened with them and i borrowed money from them which i know nothing about. I want the XXXX agencies to remove that report on my record and also for the collection agency to not contact me for a debt i know nothing about. 

Thanks
On XX/XX/2018, 8 different financing companies ran my credit : Global Lending Services, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I believe what happened was that the car dealership I went to ran my credit without my permission. The car dealership is called XXXX XXXX  on XXXX XXXX XXXX XXXX  XXXX, VA XXXX. 

On XX/XX/2018, XXXX XXXX XXXX also ran my credit without my permission.
Please reference CFPB complaint # XXXX about XXXX XXXX XXXX. 
Although this complaint was closed on XX/XX/XXXX after providing information to the CFPB that all information was reporting correctly : the bankruptcy discharged in XX/XX/XXXX is still being reported to financial institutions and although ALL accounts were paid off in XX/XX/XXXX, this is not being reflected in information provided to financial institutions. 

Because of XXXX XXXX failure to correct the information ( remove the bankruptcy and show all accounts as paid ), Chase Bank USA declined my request for a credit card and today I received written information that the denial was based on information solely from XXXX   regarding a bankruptcy and high account balances. The reference number is XXXX and the date of the denial explanation is XX/XX/XXXX. 

Also, on XX/XX/XXXX, XXXX XXXX XXXX XXXX continues to report that XXXX is providing information on the bankruptcy and high balances on my accounts. 

There is therefore a damaging discrepancy between information that XXXX provides to the CFPB and to the consumer and their failure to provide correct and timely information to the financial entities requesting information.
Experian REMOVED a POSITIVE item from my credit report ( PROOF OF HAVING PAID OFF MY U.S. DEPT.  OF EDUCATION STUDENT LOAN IN XX/XX/XXXX! ). They REFUSE to put that POSITIVE REPORT back on my Experian report, in spite of the fact that : a. ) it is NOT an adverse item, b. ) it is supposed to remain for TEN YEARS, and c. ) I did NOT ask for the item to be removed. This is an item that MAY INCREASE MY CREDIT SCORE!
I received 3 return packets from XXXX. I opened one ans saw they were phone return packets. 

I found XXXX 's fraud reporting phone number and tried to contact them, but only recieved automated messages. ( XX/XX/XXXX ) I went to XXXX store at XXXX XXXX, XXXX XXXX and tol ; d them of this fraudulent activity and asked to check the name as spelt on the nvelope " XXXX XXXX '', note not same as my name. They could not find anything, and said they could take any fraud discovery or fraud report information. ( Saturday XX/XX/XXXX ) So I mailed back these packets with notes on Fraud activity. 

I checked the Fraud website on XXXX, and noticed it was too complicated, and asking me to reveal lots of personal information. While in the meantime I am not able to reach any human at XXXX. 
The web reports on Fraudulent department at XXXX were also bad. 

On XX/XX/XXXX I receive a call from collections ( IC Systems : XXXX ). I told them the story and asked them to record all the actions I had taken on this and why I had not received any response from XXXX, nor did anyone try to reach me. 

The IC Sytems instead treatened me that if I dont fill up XXXX  's farudulent report on the website, I will be in trouble. 

At which IO got angry, since I recollected that his website asked for too much information. And there was no way to reach nay human and talk on this issue at XXXX. Their web reviews were also extremely bad.
my house was flooded XX/XX/XXXX by Harvey. asked bank to set aside payments for three months so I could rebuild and repair. they did, now they expect me to bring account currant. that 's not what I asked for, wanted payments put to end of note, they are giving me a hard time, want all types of re-documentation that is completely not needed. they keep saying something about the va response they are needing, but will not explain what that is in any understandable form of English. I '' ve had other banks do payment moving with out any of the issues this bank is trying to pull. All my payments on this loan since the start ( XX/XX/XXXX ) have been on time. XX/XX/XXXX and XX/XX/XXXX payments have been made XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX where put aside. FEMA paid  {$16000.00} toward repairs, and i : ve spent over {$22000.00} so far and still no done completely. there is no way to pay {$3400.00} they are trying to collect to bring currant. the bank is Dovenmuehle phone # XXXX XXXX XXXX loss mitigation dept. they have my FEMA claim number.
I have been in review for a modification and I have not yet to speak to the point of contact assigned to the case. I have called her numerous times to check status on the modification and to see if further documents are needed. They have asked me for documentation and they have all been provided. They other agents ask me for supplemental stips on a piece meal basis. Now today, another agent is stating that I did not provide a XXXX. I informed her ask reflected on my pay check stubs from the XXXX, I DO NOT receive a XXXX only paystubs. The agent and not the point of contact informed me that even though I do n't receive a XXXX and receive paystubs, I need to still have written them a letter reflecting the fact that I dont receive a XXXX. So therefore, they are stating I did NOT provide documentation to them in a timely manner. The point of contact has never stated this to me and now they are no onger reflecting I am in active review because I didnt informed them I do not not receive a XXXX when clearly they know because they have my paystubs! This is a travesty of justice and is slap in the face of every American. They are not playing by the rules and setting me up for failure.
So when I app for credit once creditor receives my accurate report but the after I apply to another creditor my credit report file has no information ... ..resulting in a denied application. I recently disputed these inquiries as false information and nothing has been done as of now, so Im going to provide proof as they reporting inaccurate information to the creditors I applied too. 

My credit report is attached as proof from Equifax!!! 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XX/XX/2017 XXXX XXXX - XXXX
American Credit Acceptance has repeatedly contacted me at my work phone number even after I had asked them XXXX to not contact me at that number
XXXX XXXX XXXX, XXXX, XXXX has contacted my nephew XXXX XXXX, My sister XXXX XXXX whom they discussed my debt and case in depth with her, and my work. I called and was met with vague information. when I pressed for information on who they were and why they are calling, the man that I was speaking to became abusive. He told me I was being sued on a " federal debt that is exempt from limitation statutes '', the account is over 6 years old. He told me I owed them {$3100.00}, his attorney fees are going to be {$3200.00} and I could settle for {$1500.00}. I stated this is not a valid debt and he informed me that I just acknowledged the debt on tape " Because this is all being recorded '' I was not made aware they were a debt collection agency or that I was being recorded. I was then informed they have 15 attorneys they will be using to come after me. Again I stated this is n't a valid debt, he told me, " Good luck with that, We 're going to contact XXXX to garnish my wages '' ( my employer ) He also told me that I am on the XXXX
My wife notified Portfolio Recovery Associates , LLC via certified mail to stop contacting us about a debit that is over 10 years old. We then received a letter from them ( attached to this complaint ) demanding that we provide them with her tax payer ID as the XXXX regulations ( unspecified ) requires them to provide that info to the XXXX. I do not believe that this is true but as they are indicating in that letter than we might be fined by the XXXX up to {$50.00}, I wanted to check and be certain before I provide her SSN number to them.
We had a credit card terminal that was presumed to belong to us. We paid {$100.00} for it back in XX/XX/XXXX. We quit using XXXX XX/XX/XXXX, but they say they never received notification the we ended. In XX/XX/XXXX they contacted us about returning the machine or pay {$450.00} for the machine that I thought we already owned. We said we would return the machine. 
We shipped the machine out and they received the machine on XXXX/XXXX/XXXX. We have been getting call after call from XXXX XXXX of Oxygen Recovery Group about a {$500.00} debt owed to Merchant XXXX. I call XXXX at XXXX XXXX at XXXX and he tells me it has been taken care of. XXXX will not call XXXX to verify, he just keep calling me. I told him and XXXX last time that if I ever heard from them again I would file a complaint and maybe sue them. Well today I get a letter from Oxygen Recovery Group again telling me I still owe and to pay or they will report to the credit bureaus. 
I WANT THIS HARRASSMENT TO STOP IMMEDIATELY. 
XXXX XXXX XXXX XXXX, XXXX.
I am writing this complaint because of unfair business practices, concerning my Sears/Citibank Master Card, I have been paying my credit card faithfully every month without ever being late, I am paying more than the {$25.00} dollar amount due each month, sometimes I pay bi weekly because I am trying to pay off balance quickly, However ; I have been noticing each month the amount that I owe goes up each month and not down, I called a CSR on XX/XX/XXXX and was told, I stilled owed {$170.00} on a exercise bench that I purchase on XX/XX/XXXX. This is not true I have paid off this card twice and no one ever told me I owe any other balances and no one has ever sent me a another bill stating this. I have asked for proof that I owe this and they refused to send me a copy showing this balance unpaid. Since I make payments from {$50.00} to {$100.00} a month. I know for a fact I do n't owe this balances, I purchase this bench with my credit card and there should not be any other charges. Then a rep tells me I owe a promotional fee in which I never heard of, I feel as though someone in their company is trying to run a scam, will you please help me get to the bottom of this situation. I went on The Sears Website last night XX/XX/XXXX and did n't see where I owed anything else. Someone is putting additional charges on my card each month and I know this is unfair business practices and illegal.
I made payment arrangement with Phoenix recovery group for a balance I had with a previous apartment complex. the person handling my case was a woman called XXXX XXXX. When I made the first payment XXXX refused to give me a receipt for my transaction. After I told her I was going to cancel the transaction if she did not give me a receipt she decided to send me one.  Today I called to make my second and final payment on my transaction. XXXX send me a receipt but on the receipt it never said paid off or anything. I told XXXX I did not feel comfortable with this receipt. She rudely said they needed to wait 48 hours before they could give me a letter saying its paid off. Neve explained why. All she said was that's our policy. She said " you've had this debt for 2 years and now you want to rush things '' She was very unprofessional I asked her to not get all hyped and she kept talking over me. She said if I didn't sing the receipt she sent me she was not going to send me a letter saying its paid off. She then said she was busy and needed to get another call. I told her she was being really rude. She then said with a rude voice she was going to transfer me to the supervisor. This women was very rude you can help me with this. XXXX XXXX direct line XXXX email XXXX. Her information
Fedloan servicing reported XXXX of my unsubsidized loans as " paid in full '' and removed them from my credit report following a loan payoff. Recently, they " reopened '' them with a balance of several cents and put them into " repayment '' status, with no explanation. I am currently in school full time. They have not responded to my inquiry. I wish to have these loans closed again since they were paid in full.
This complaint is being filed against American Express Corporation 's handling of my account during the transition from AmEx 's XXXX True Earnings card to XXXX XXXX 's XXXX card. To effect the transition AmEx was to transfer the accounts to XXXX XXXX. On XXXX XXXX AmEx sent a letter that my account would not be transferred and I would be issued an XXXX XXXX card from AmEx instead. No reason was given for not transferring the account. ( Copy of XXXX AmEx letter attached. ) XXXX confirmed that the account had not been transferred. Contacted AmEx and was initially told that XXXX had refused to accept my account. When I asked for documentation from AmEx that XXXX rejected my account, the response was that the documentation had to be subpoenaed. Re-contacted XXXX who vehemently denied that the account was rejected. Called AmEx back only to be told by another AmEx employee that the transfer was not rejected by XXXX and that AmEx wanted to keep their " high value '' customers and unilaterally made the decision to not transfer those accounts to XXXX. 
The result has been an AmEx credit card that we do not need or want. FICO score will be decreased if the card is cancelled. We do not have a Visa card, so now we must apply for yet another card to access our XXXX membership. Again, a decrease in FICO score. 
The fact that AmEx never did reveal the real reason the account was not transferred and then attempted to provide erroneous information as to the reasons why leads one to the conclusion that this could be a " gray '' area in consumer financial protection. The bottom line is that AmEx eliminated my options without my permission, This appears to be a violation of the Fair Credit Reporting Act.
vanderbuilt mortgage XXXX tn I draw XXXX and have had a lot of things go wrong and health iiesuse got behind on mortgage I filed for a modafcation on my loan got a letter saying they were working on it then got foreclosure papers and then a court summons there the rudest people I ever had to deal with there just mean ... ..and they say I owe more then I do thehvetold me they would huemilate me by the add in the news paper every one will know ... ... .the co borrow is out of work due to a injury
Citibank credit card sent me to collections, reported negatively on my credit files and continues to collect on charges that I have disputed now for over a year. Wrong amounts being charged and I disputed as soon as noticed to the comaony many times via email, USPS mail and phone. The company has refused to correct the errors and now remove the balance and charges and continues to add fees and report negatively. This account and balance do not belong to me