WillisBack/dataset-financial-user-claim huggingface dataset:
received notice from collection agency that I owed over XXXX to a credit card from TJMAX which I do not have I have never been in a TJMAX. This was through Syncrony Bank and done XX/XX/XXXX. I had just opened an account at XXXX store in XXXX through Syncrony Bank and one month later I receive a letter from XXXX It was sent to XXXX XXXX My name is XXXX XXXX. He or she also had my social number and birthdate. This is not me who did this. My credit is excellent
I received counterfeit items from eBay ( XXXX pairs of headphones for a total of {$310.00} ) on XXXX XXXX, 2016 but was unsuccessful returning those items to the seller on eBay. As PayPal offers buyer protection, I opened up a case on XXXX XXXX, 2016, requesting a refund. I was instructed to send the items back to the seller before XXXX XXXX, 2016 to receive a refund. I went to the post office to ship the package on Saturday, XXXX XXXX, 2016, and the employee told me that the XXXX XXXX address was unlike anything he had ever seen and highly suggested not to send the package. I called PayPal, who assured me that the address was correct. Additionally, I was told that it would be acceptable to send the package on Monday, XXXX XXXX, 2016, since the post office is closed on Sundays. This package ended up costing around {$50.00} to ship, hence why I made sure to double check with PayPal before I sent the package. I woke up on the morning of XXXX XXXX with an email saying that the case had been closed but was reassured once again that I could reopen the case after I sent my package. On XXXX XXXX, 2016 I received an email saying that the resolution was : " As you have provided valid information supporting your appeal, we have sent a courtesy email to the seller requesting that they issue you a refund to resolve this claim. '' It is now XXXX XXXX and I have still not received a refund. Throughout this entire process I have called PayPal almost 10 times, being given reassurance and instructions that I followed. My phone call tonight was escalated to a supervisor and a manager, but PayPal was still unwilling to give me my money. The first representative left the seller a voicemail and sent an email reminding them to refund my money. I asked why PayPal could n't refund my money and was told " well you would n't like it if we took money out of your bank account. '' I was escalated to a supervisor who told me since I did not send the item within 10 days that PayPal is not legally responsible for getting my money back. I was then escalated to a manager who told me the same thing. Despite my constant communication throughout this entire return process, in the end PayPal was not willing to refund my money. When I view this case online, it shows that the decision has been 'granted '.
I sent {$1600.00} to an individual in ohio. I was required to provide a girst and last name of the recipient so they could be identified. The recipient went to a walmart store to pick the money transfered up and was informed there was hold on the money sent. I was forced to call customer service to have the hold released. I have called three different times and have been placed on hold for over an hour each time. Now the person who has been trying to recieve the money has been waiting for over three hours. The cash money that i gave to moneygram is held up and can not be released. Why is there a hold on cash money?
We filed for bankruptcy in XX/XX/XXXX and at that time, our mortgage was being serviced by XXXX XXXX. Any past due amount owed to XXXX was paid as part of our Chapter XXXX plan and our account was brought up to date. Then in approximately XX/XX/XXXX, Greentree acquired our mortgage, which then eventually changed names to Ditech. It was during this transition that a missed payment must have occurred or was paid later than normal, which caused our account to become past due. It was also during this time period when there was some confusion as to what our monthly payment should 've been. We received an Escrow Evaluation for our mortgage in XX/XX/XXXX, which showed our new estimated monthly payment to be {$1800.00}, when in actuality, it remained at {$1900.00}. So for many months, I was under-paying our mortgage, not realizing the amount on the Escrow Evaluation did not reflect what was actually due on our account each month. It is still unclear to me as to why our payment remained at {$1900.00}, when the evaluation clearly stated {$1800.00}. Also, because of our bankruptcy, monthly statements from Ditech only showed payments made and not what was due or any past due amounts. It was not until just prior to our discharge, we learned of our delinquency. If this was brought to our attention much sooner or at least shown on monthly statements, we couldve had the opportunity to bring our account up to date. 

We want to remain in our home and have tried to work with Ditech. We have continued to make our monthly payments on time but are still behind about 90 days. We requested a loan modification the first part of XX/XX/XXXX and filed all the necessary paperwork by XX/XX/XXXX. They have done absolutely nothing with our account and just keep giving us the run-around by requesting more information that is clearly laid out in our application, paystubs and statements we already provided them. We have still not received a single letter or notification that they are processing our loan modification request. Every time we make a call to Ditech, which is several times a week, they just say that underwriting has not reviewed it yet and will need more time. I think 3 months is plenty of time to make a decision regarding our modification request. We can never get passed the customer service rep that answers the phone, which is a different person each time, so we feel like we have hit a brick wall with Ditech. No one seems to care that it 's been 3 months since we first filed our application. We just want to work out a payment plan with them to bring our account up to date. But they do n't seem to want to help out the consumer at all. We do n't know what else to do. HELP!
On XX/XX/2018 I was contacted while at work by XXXX XXXX. Our brief conversation was XXXX stating she is calling " regarding '' XXXX XXXX. She never stated where she was calling from nor who she represents and every time I asked her who she was she just stated she is calling in regards XXXX XXXX. When I asked what this was pertaining to, she kept insisting for me to give my personal information first before she will talk. I was very busy at work and because it was unclear of who she was and where she was calling from, I refused to give my personal information she was asking for. I told XXXX XXXX that I will contact her when I have some free time and not at work. A fax was then received moments later on our main office fax machine and was then delivered to my desk. The fax 's letter head states a company named F.H. CANN & ASSOCIATES located in XXXX XXXX, MA with a return of ATTENTION : XXXX XXXX xt XXXX. *Fax is attached* As of yesterday, XX/XX/2018 my HR department reached out to me stating that XXXX XXXX has contacted them, shared that I have a debt they are collecting and needed HR to give my personal information to her. When HR refused because there was not a court order, she stated " there will be. '' Whether or not the debt is legitimate, it is not acceptable for this company to contact me at work nor violate my rights, sharing my personal information and threatening my employer that there will be legal action. 

I want this to be on record and have this company stop violating my rights. If needed, I will seek out legal advise to insure that my rights are protected.
Hello, I recently moved services with XXXX back in XX/XX/2018 but I was unable to transfer my services because it was offered at our new location. I paid my final bill with XXXX and went about my business. Today I get a notification from XXXX, XXXX and XXXX that I have a collection on my credit report for {$260.00}. Please investigate and have said company remove this collection from my credit report as I am preparing to buy a home. Thank you!
was sent a bill from XXXX hosp.XXXX ca for $ XXXXXXXX.I called them told them once XXXX and XXXX pay there is no bills sent to me by law.now I get a collection notice from SCCS XXXX ca XXXX phone is XXXX ..reference # is XXXX ... I called them for XXXX times and requested they call me I am still waiting as of XXXX/XXXX/2015 XXXX pst..
I received a loan from XXXX XXXX XXXX, which was backed by XXXX XXXX. Both companies went bankrupt one year later. I did n't receive loan information for several years, as it was being mailed to my parents home, not my current residence. When I tried to discuss my options, the company that took over the loan, American Educational Services, said that they had already put the loan in default, so I could start paying down my debt but at any moment the loan could go into default. The default notice was sent in XXXX. I spoke to them personally for the first time in XXXX. They will not talk to me about my payment options until the loan goes into default, which is entirely unpredictable at this point. In the meantime, I continue to get hits on my credit report. I currently have a nonprofit career and likely would have had IBR if I had information about the loan from the beginning. The amount to pay to fix my credit is insurmountable, and I want to start law school and eventually gain bar admissions.
In XX/XX/XXXX, XXXX XXXX XXXX was notified in order to suspend the phone service of XXXX because our son was no longer using the phone. The installment payments would continue to be made until we had the funds to pay off the phone. Also, XXXX XXXX XXXX issued credits on our account for changed services that had not yet been applied to our account which were regarding smaller data packages & changes in XXXX XXXX Programming. Every CSA assured us that the credits were taking effect on our account, and would be seen on our next billing cycle. 
In XX/XX/XXXX, the unified account was canceled because services with XXXX XXXX  were canceled ( due to rising costs. ) A new account with only XXXX XXXX XXXX was created with 3 phones & 1 iPad ( including the continued installment payments for XXXX ). The equipment was sent back to XXXX XXXX   once the services were canceled, and the services with XXXX XXXX XXXX were transferred to a new account. Once XXXX XXXX received the returned equipment, our Account was at a {$0.00} balance. 
XXXX XXXX XXXX has been paid faithfully since the account transfer in XXXX of 2018, including the continued installment payment on XXXX. 
XX/XX/XXXX I received a collection notice from Sunrise Credit Services, Inc.regarding a creditor " XXXX XXXX XXXX XXXX XXXX '' in the amount of {$680.00}. I have contacted SCS & XXXX XXXX XXXX numerous times. This collection is from the first/old/canceled account I had, which is a unified account of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX claims that I am being charged for the contract of XXXX, even though I have explained to 6-7 individuals that we continued to pay the installments on the phone until it was paid off on XX/XX/XXXX. A cash payment, in the amount of {$340.00} was brought into XXXX XXXX XXXX Store # XXXX to pay off XXXX. ( I will attach the payment receipt if this process allows. ) Up until this pay-off, I was making monthly payments on this phone as a part of the installment program. From XXXX through XXXX, this phone had no service but was still in our possession until it could be paid off. If XXXX XXXX XXXX received my payment for the phone in XXXX, after continuing to receive 4-5 months of installment payments on this phone, I don't see how they can claim that I owe a contract balance for the phone. This would mean that I would pay for the phone TWICE. I have asked for a supervisor to call me. This will be the 2nd time that XXXX XXXX XXXX has told me that a supervisor would call me. The first time, I NEVER received a call from anyone from XXXX XXXX XXXX. I have always been the one being proactive to get this problem resolved. I am still waiting for the supervisor to call me today. This is beyond frustrating for me. I have spent 8-10 hours on the phone with XXXX XXXX XXXX, the Collection Agency, and the XXXX XXXX XXXX XXXX XXXX XXXX, explaining this situation over & over again, and have gotten no where with anyone. 
XXXX XXXX XXXX assured me that this transition to a new account would be no problem, but it has been handled horribly & there are claims that I owe money that makes no sense.
Not sure what you can do, but this is what has happened. Peoples United Bank, XXXX has changed their online banking format. They have made it very difficult to find a transaction. What they have done is put a single column for both " DEPOSITS '' & " WITHDRAWALS ''. Now you have to scroll to find a small " minus " before each withdrawal transaction. There is nothing to tell you if it is a " DEPOSIT ''!! You have to look over to see what the check was and try and figure if it is a Deposit or Withdrawal!!! I have sent them 2 messages requesting that they give us the option of keeping the old format or choosing the new format. They said " that is not an option ''. I have never seen a system where Deposit 's & Withdrawals are lumped into the same column. Do you know how confusing this is going to be? This is not standard banking practices. If you want to add up all your " Deposits '' you have to scroll through EVERY transaction instead of just looking at the " DEPOSIT " column. This is very time consuming and you are going to miss some deposits as they are lumped with the withdrawals.
On XX/XX/XXXX, I made a purchase at Lowes that cost {$7500.00}. My Lowe 's agreement that my interest rate would be XXXX for 84 months. In XX/XX/XXXX, they added all of the interest from XXXX which caused them to over draft my account and raised my interest and monthly payments through the roof. I call Synchrony Bank and Lowe 's and whom ever entered my bill did it wrong. I made several attempts to get them to fix it. They default on their contract and holding me responsible for their mistakes. They fixed some of the problems, but said I was responsible for over {$600.00} interest fee and as today 's date other fees. They have turn this over to a debt collector ( XXXX XXXX XXXX ) and I refuse to pay it b/c I did nothing wrong and the company is making this my fault. Before this mess, I had great credit and always paid this bill on time
I was reported 30 days late on my credit report. Once looking into why I was 30 days late, I noticed many discrepancies on my statements from my XXXX credit card. First, I do not have any statements listed on my online statements tab. Second, on my Online Payment History records, I lists payments and then lists them as payment reversed. On my Transaction history it only lists the history for XX/XX/XXXX and XX/XX/XXXX, both months having payments. On the transaction history are two different descriptions for payments. I have withdraws that state " PAYMENT-THANK YOU '' with the payment withdrawn ( XXXX ), I also have " ADJUSTMENT-PAYMENTS '' but a payment not withdrawn ( XXXX ). The Transaction History and Online Payment history do not have the same payments/payments reversed/adjusted listed. There are also payments that are on the Online Payment history that were not authorized, XX/XX/XXXX of {$35.00}, XX/XX/XXXX a {$38.00} charge was reversed yet this payment was not authorize so there should not be a reversed payment and there is a random reversal charge of {$.00}. The {$130.00} payment made on XX/XX/XXXX show that payment was accepted, and covered my XX/XX/XXXX payment, late fee and XX/XX/XXXX payment. This payment is clearly listed and was not reversed as the other payments have been. There is another payments that were accepted and not reversed, the payment on XX/XX/XXXX. 
I made a {$35.00} payment ( which was accepted ) on XX/XX/XXXX but the next was made XX/XX/XXXX of {$35.00}, but this was reversed. the next payment made XXXX, for {$97.00}, on XX/XX/XXXX, is the {$38.00} reversed payment, the XX/XX/XXXX payment was accepted but the unauthorized payment {$35.00} XX/XX/XXXX was reversed. 

Even with the payments I was never 30 days late, however, I never received a phone call stating my payments were reversed. They froze my card until I XX/XX/XXXX the XX/XX/XXXX and XX/XX/XXXX payments, which I did, and was then able to use my card. However, based on the reversed payments. Techincally, card should still be froze, I should be more than 30 days late, my minimum payment and balance should be higher. 

I spoke with my bank, XXXX XXXX XXXX, who stated that they can't see any of these transactions on my statement. This resulting in my credit score dropping XXXX points ( via XXXX XXXX ).
Hi I am a victim of identity theft and fraud it shows that I am a policy holder for car insurance from XXXX for two vehicles which one was financed through JPMorgan and chase corporation and this same vehicle was bought at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX,Ma it is a XXXX XXXX XXXX XXXX XXXX which I DON'T own the other vehicle is a XXXX XXXX XXXX XXXX XXXX  plate number XXXX I tried to call Chase corporation last week as well as XXXX and the car dealership as well as the XXXX Massachusetts RMV where there cars are registered and have gotten no where and which these cars and the loans show up on my credit report as well as my information shows up on XXXX as myself for the policy holder as well as student loans and mortgages show up on my credit report
I previously filled a complaint ( XXXX ) and we ending up coming to a resolution, albeit not an ideal one. However, I have been receiving phone calls about getting payment. I 've also received emails about an outstanding balance being due which is absolutely unacceptable considering the solution from the last complaint. 

The last phone call, with a woman named XXXX, claimed that there was nothing on my account stating a deferment and that I had to contact her XXXX XXXX XXXX. XXXX informed me that I would have to speak to XXXX about this and gave me her email. I have yet to receive a reponse in a timely manner with absolutely no update on the situation. 

I find the handling of my loan to be unprofessional and unorganized. How is this private company not held accountable after seeking government assistance in this issue?
XXXX of my collection accounts were reported XX/XX/XXXX. They are XXXX and XXXX. I found the balance is inaccurate and the timeframe for this item is over 7 years. So I disputed these items and requested Equifax to remove it permanently. 
Under Fcra law, after remaining in 7 years the collection should be removed from credit. I finanlly received their reponse that they will delete these items from my credit report XX/XX/XXXX these items were no longer on credit file. However, XX/XX/XXXX these items were reinserted without notifying me in 5 days This again violate the Fcra law. Morever, equifax re-age my account and make my collection stay up to more 7 years which XX/XX/XXXX. This is illegal and ruin my life.
Citigroup and XXXX XXXX XXXX have made changes to their policies and are violating the law. They are using their power to restrict the Constitutional right to purchase firearms and firearm related supplies. This is in violation of 15 USC 1691a, They are not allowed to discriminate against my lawful right to purchase something just so they can appease a political viewpoint. This is could also be a civil rights violation as my actions are protected by the Constitution. If not corrected they could eventually be passing judgement on all of my transactions that might be considered politically incorrect. Please enforce the law.
I opened an a credit account with  XXXX   XXXX    XXXX    XXXX   XXXX  in  XXXX  of  XXXX . There was an immediate problem with me receiving my statement and I was marked 30 days late. At that time in  XXXX ,  XXXX   XXXX  was to correct this information on my credit bureaus but never did! I closed and paid off my account. I opened another account with them in  XXXX  with no problems until the present. They once again said they would remove the negative information ( per attachment ) but never did. I think they keep confusing the  XXXX  accounts. The removal is to be fro the account ending in ...  XXXX .
I enrolled in a debit settlement program with Clear One Advantage / XXXX XXXX XXXX. When agreeing to the program, they could settle two accounts for me for a monthly payment of {$580.00}. That was it. They do all the work. Sounds good to me, so I proceeded. After several months of monthly withdraws from my bank account, Clear One Advantage contacts me and said they a settlement on one of my accounts. In order to get the settlement I need to pay an additional {$310.00} a month for two years growing my monthly payment to {$900.00}. Definitely not what I signed up for but they are sure good at talking you into it. I then received an email from a settlement agent. I expressed my concerns of the added monthly payment and she state you do not need to pay that added monthly amount. I reiterated 5 times via email and said if I have to pay that extra amount I don't agree. She said you are good, no added money needed. 20 days later she calls and said I made a mistake. You do need to make that extra monthly payment. I said I don't agree and am not paying it. XX/XX/XXXX, there was the extra {$310.00} pulled from my bank. I emailed my displeasure, and asked to withdraw from the program and multiple requests of a full refund. They respond with I am owed {$10.00}. I paid thousands.
In XX/XX/XXXX and XX/XX/2015, I ordered XXXX items using my Citizens Bank debit card. The first was from XXXX XXXX for {$910.00} and the second was from XXXX for {$130.00}. Both of these items are being refunded to my debit card. However, I closed my Citizens bank account ~ 2 weeks ago and thus can not access the original card nor the account to which the funds will be returned. 

At this point, I have confirmation that the {$910.00} refund has already been processed and a confirmation that the {$130.00} refund is in the works. 

When I spoke to both companies, both said the same thing - that banks have procedures in place for these instances and can cut me a check. However, when I called Citizens Bank, I was told that " It 's really difficult to get that money now '' and then bounced around from representative to representative for several hours. I am now on my 3rd call with them today ( As I am writing this, the call just passed 1 hour and 55 minutes on hold ). So far no one at Citizens has been able to tell me when / how the funds will be returned to me. Instead, they have simply bounced me around from department to department and disconnected the call multiple times. This seems more like a stall tactic than anything else.
My ex-husband XXXX XXXX  on XX/XX/XXXX. At the time of his XXXX he had a home equity line of credit open with XXXX XXXX. My name was on the account, even though at the time of our divorce in XXXX, XXXX, he had agreed to assume responsibility for the loan. When I discovered that he still had a large balance owing ( over {$10000.00} ) at the time of his death, and that my credit score was beginning to fall, I paid the loan off until the estate settled, in order to save my credit. 

I followed this action up with a letter to XXXX XXXX   requesting that my credit score be repaired, and stated that I was not legally responsible for the loan per our divorce paperwork. They refunded me the entirety of the loan, and promised IN WRITING that they would remove my name from any association with the HELOC. 

Not only has this not happened, they have now reported the debt as charge-off ( bad debt ) ... which is exactly the opposite of what happened. They ADMITTED THEIR MISTAKE AND REFUNDED ME THE MONEY ... but are calling the account a bad debt. And now, my credit has continued to plummet. 

I have made numerous phone calls both to XXXX XXXX   and to Experian to try to get this resolved and nothing has been done. Experian sent me a very detailed report that said basically nothing -- no information whatsoever on what their conversation with XXXX XXXX was. 
I greatly need help.