WillisBack/dataset-financial-user-claim huggingface dataset:
I have had my student loans through XXXX XXXX ( now " Navient '' ) for a number of years. Unfortunately, around XXXX of XXXX and shortly before, I experienced significant financial hardship and reached out to Navient to see what my options were. I was told I was placed on deferment and all would be okay. I did n't even realize until now that I have 2 " 90 day lates '' from XXXX XXXX. I did not know of IBR, and I thought that I was okay ( according to the Navient Customer Representatives ). I now have negative information on 2 of my accounts ( will attach ).  I believe, that if I was alerted as to this option a few years ago when I inquired, I would not have any late payments ( in regards to XXXX XXXX " Navient '' ) on my credit report. I would like to note that I did have 2 late payments removed recently as a result of Navient 's exceptional customer service that I received recently. I 'm hoping that Navient understands that I was n't informed of all of my options, and removed the " 90 day lates '' from XXXX XXXX. I also hope that moving forward, they strive to be transparent when it comes to the many available options borrowers experiencing financial difficulty may have when it comes to their student loans.
In law, coercion and duress refers to a situation where an individual performs an act as a result of threat, violence, or other pressure against the individual. Duress is the pressure which is exerted upon an individual in order to coerce that individual to perform the act that would not be normally performed. 
Coercion and Duress negates the individuals consent to an act, such as entering a contract. On XX/XX/XXXX I was going in many directions with the movers loading the truck for my move to XXXX, Fl. XXXX XXXX XXXX XXXX XXXX waited until the movers were busy and asking me questions, etc. to call me and demand I allow them to put two {$400.00} charges on my Capital One credit card ( they were specific it had to be the Capital One card ) or XXXX XXXX XXXX XXXX XXXX would keep my possessions in a storage unit I rented from them and had ZERO ACCESS until I agreed to have the charges put on my Capital One card. I was under duress and with the threat of keeping my possessions hostage -- a threat which qualifies as coercion, I reluctantly told them they could charge my card. I knew the law would protect me and I could put the charges in dispute and Capital One would have to require XXXX XXXX XXXX XXXX XXXX to PROVE I rented two storage units for {$200.00} a month on XX/XX/XXXX and that I paid XXXX XXXX XXXX XXXX XXXX {$400.00} for the first month 's rent on XX/XX/XXXX. I never rented any storage units for {$200.00} a month from XXXX XXXX XXXX XXXX XXXX or any one else and I never paid {$400.00} to Two XXXX XXXX XXXX XXXX on XX/XX/XXXX. Therefore, according to the LAW, I DO NOT OWE THE TWO {$400.00} CHARGES I WAS COERCED TO ALLOW CHARGED TO MY CAPITAL ONE CARD ON XX/XX/XXXX. Capital One is required to obey federal law. I have provided Capital One with indisputable proof that I paid XXXX XXXX XXXX XXXX XXXX {$300.00} for two months rent for a small storage unit on XX/XX/XXXX and on XX/XX/XXXX the estimate for the move from my home in XXXX to XXXX on XX/XX/XXXX & XX/XX/XXXX has only one storage fee listed for {$150.00} -- the third month for rent on the storage unit. There is NO OTHER STORAGE FEES LISTED ON THE ESTIMATE FOR THE MOVE EMAILED TO ME ON XX/XX/XXXX. The law requires XXXX XXXX XXXX XXXX XXXX to provide proof I rented two storage units on XX/XX/XXXX for {$200.00} a month and I paid the first month 's rent of {$400.00} for the two storage units on XX/XX/XXXX. A contract had to be signed without duress or coercion to be valid. I never signed any contract, etc. and I never paid XXXX XXXX XXXX XXXX XXXX {$400.00} on XX/XX/XXXX. THERE ARE NO CREDIT CARD CHARGES, CHECKS, OR RECEIPT BY ME FOR {$400.00} TO XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX. Capital One is required by law to remove the charges from my credit card permanently because the charges were placed on my card while I was under duress and I was coerced by XXXX XXXX XXXX XXXX XXXX -- the act of agreeing to have the charges put on my car are negated by federal law.
In  XXXX   XXXX , I sent a request to Equifax asking them to investigate some inaccuracies on my credit report.  XXXX  request was for  XXXX   XXXX   XXXX . Prior to this, I sent  XXXX  certified letters  (   XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  ) to  XXXX  requesting a balance and original document in its ' original form. I did not receive the requested documents from  XXXX , and instead received an incomplete request for repayment plan. I later sent a copy of the letter to Equifax requesting that they request the information from  XXXX . I called Equifax on Thursday,  XXXX   XXXX ,  XXXX  to determine the outcome. After speaking with  XXXX  representatives who were unable to assist me, I was transferred to  XXXX  in the Office of Consumer Affairs. He explained that my request for Equifax to investigate the inaccuracies with  XXXX  were not completed and did not offer a reason why. I ask for your assistance to remedy this situation.
I got a mortgage with Green Tree 20 years ago and the amount I owe today is the same. The new name is Ditech.
I co-signed a auto loan for my cousin. After 6 months she refinanced the vehicle. I was told everything would be taken care of. She refinanced and one day I get a call saying that the car note is late. I was shocked because I thought she 'd refinanced. So the truck was repossessed and now it 's on my credit report.
I received phone calls from Trident Asset Management looking to collect of a debt that was stemming from a 2014 case of ID theft. I explained to the contact there that that I had a documented case of IDT and it was reported to the major credit bureaus and filed police reports. I did not hear back from them for several months. I have recently been receiving demand letters from XXXX XXXX XXXX of Trident Asset Management. I sent her a certified letter with a copy of my police report proving my claim of the false debt and am continuing to receive demand letters from her. Stating that if I do not respond in writing within 30 days they will consider the debt valid and have a judgement made against me. I keep responding and they keep sending me letter telling me that they are going to get a judgment.
I was sent a collection letter on XXXX XXXX from a company called Genesis Credit Management saying I owed money to a company called XXXX XXXX XXXX. I have never done business with a company by the name of XXXX XXXX XXXX and there is absolutely no way they can produce a contract or agreement with my signature that says
otherwise. The letter stated that I owed over 2k in charges that I had never heard about and that I frankly, do not owe! I sent off a letter requesting validation. Needless to say, I have not received it but I monitor my credit closely and tonight I received an alert about a new collection account on my credit report from Genesis Credit Management reporting that I owe this debt. That is against the law. They are in direct violation of FDCPA Section 809 ( b ) because they reported it anyway without validating and FDCPA Section 807 ( 8 ) because they reported it and did n't report it as disputed. I have the documentation to back up my claims of validation, that it was disputed within 30 days, when it was sent and I also printed a copy of my credit report tonight and
how its currently reporting in case litigation has to take place. I 'm hoping we can get this resolved swiftly and without legal recourse.
I called my car loan company on XX/XX/XXXX ( due date is XX/XX/XXXX, but I worked a lot that day, I am a nurse, I ca n't stop to make personal phone calls ) to ask for one month deferment ( I was never late with any payments since I got the loan, XX/XX/XXXX ). The man who answered promised that he approved XXXX time deferment as long I pay a XXXX dollars as a fee ( was very evasive, rude, hostile, condescending, but told me that in the loan conditions the consumer can get XXXX deferments, XXXX each year, later I was told different from another employee, that the deferment can be taken even two months consecutively ), the employee XXXX, ID XXXX took a XXXX debit charge ( said that it was a fee for the deferment ), but did not do the deferment ( I found out on XX/XX/XXXX when the company called me ( I talked to XXXX, ID XXXX ) to tell me that I am late paying my monthly payment. I told them what happened and they said they will fix the issue, do the deferment and just call next day and check. I did called next day, XX/XX/XXXX and the initial employee ( XXXX, ID XXXX ) who took the XXXX dollars payment answered. It was still not taken care of. I asked him how come he did not do what he promised, the deferment. His answer : " I do not know what happened ''. I believe that he deceived me initially to cause me to lose my car, so Wells Fargo Dealers Services can collect the loan AND the auction value of my car. 
I have a letter dated on XX/XX/XXXX sent to me from Wells Fargo Dealers Services that says that I made a payment of XXXX dollars, no mention of deferment. So XXXX, ID XXXX deceived me. Never had the intention of defering any payment.
How is it fair that minorities who were affected in the Ally Bank settlement never got their checks, but XXXX who were not discriminated got checks. I bought my 2010 XXXX soul finance by ally, and it was a mess, all day if I wanted the loan I had to purchase a {$1000.00} warranty that was no good, in the office the sales rep answer my race on the phone to whom ever he was speaking with. When i heard ally was in trouble finally some justice, i requested a package never got XXXX, then i was suppose to get a card with info on the lawsuit, never got that, got in touch with the claims administrative said i was too late.. What you guys held it up and justice needs to be serve. And all the XXXX XXXX who were unable toget it should be compensate and the monies must be paid back by white borrowers
A fitness club had a clause in their contract saying if you cancel within three business days you are not obligated to pay anything. If you go past these three days then cancel you pay {$300.00} dollars or so. 

On the third day ( within the acceptable window ) I called in to the fitness club and asked what would be the appropriate steps to cancel the contract. They stated I have to come in to cancel, but since I called I can come in anytime that week that is convenient and not pay the fine. Upon arriving a few days later at the club I was given a business card and told to email the individual stating my wish to cancel. After doing so, the individual on the email stated I was pass the three day window to cancel and I owed {$300.00}. I responded with an email describing the situation - how a representative from the company gave me a verbal agreement that it was ok to come in later the week. I received another generic email, which did not dispute or even acknowledge anything I said about the verbal agreement, and stated I still owe {$300.00}. I sent another email asking to discuss this further over the phone because I feel I was apparently lied to and I do not believe that is an acceptable business practice to entrap someone like that. After no response back by email I called multiple times and left messages or a person at the club stated someone would get back to me. I never got any response back from the club. A few months later, I found a letter in the mail from a debt collection agency saying I owe them {$300.00}. 

Should I have done something different? Do I owe that {$300.00} to the health club? It appears like that was an entrapment technique. and the company refused to negotiate with me in good faith or even reach back out to me.
Hi, On XX/XX/2017 I tried to log into my wells fargo account. To my knowledge nothing had changed with my password or account name. The company deleted my password without informing me. They claim they updated there computer system and wiped out millions of user passwords. They never informed me by email or conventional mail or even in my bill. Most companies when they do this have a massive data breech and fail to inform there customers. The law is N.Y. Gen. Bus. Law 899-AA, N.Y. State Tech. Law 208.  I asked if this happened and they won't tell me. Can you please find out, My data is important to me and I want to be informed like the law states when Wells Fargo has one. The last data breech that they had thru a web search was on XX/XX/2017 was the size of 1.4 gb of data. I was never informed then either. So please help me find out if they are not telling me about a data breach of there system which might contain my personal information.
I hold a business account with PayPal. My husband regularly sends me payments from his PayPal account and each time he does, the money is " pending '' and takes a couple days to be available in my PayPal account. Mind you, I have had this business account with PayPal for over a year and am a well established user. 

My husband sent me an E Check payment of {$60.00} from his PayPal account on Wednesday   XX/XX/18 at XXXX PDT. Today is XX/XX/18 XXXX XXXX and the transaction is still showing as pending in my PayPal account with the funds being held by PayPal . I checked my bank activity through XXXX XXXX XXXX, which is where the E Check payment was sent from and saw that the payment cleared on Thursday  XX/XX/18, one day after they original payment was sent. I contacted PayPal and was told by a representative that the money was not showing as cleared on their end and therefore it could not be released until XX/XX/XXXX. I asked to speak with a supervisor. While I was on hold with PayPal I connected through online chat to my bank at XXXX XXXX XXXX. I told the bank representative the situation and she assured me that the {$60.00} had in fact cleared the bank and should have already been accepted and received by PayPal. I then told the PayPal supervisor this information provided to me by XXXX XXXX XXXX and he told me that there was nothing that could be done. I then asked to speak to that supervisor 's direct supervisor and he told me that he would connect me and put me on hold. I then spent over 40 minutes on hold with PayPal. After being on hold for almost an hour and 20 minutes I then hung up. I also logged into my PayPal account and clicked on the pending transaction to open a dispute. An error popped up saying " We're unable to file a case on this transaction. Since this is money you've received, you'll need to contact the sender directly to resolve your issue. '' So I haven't received the money even though my bank has confirmed that it has cleared the account and that PayPal collected the funds and they refuse to release the money and then keep me on hold for an hour instead of transferring me to the supervisor and I can't even file a dispute? I even did research on the PayPal website to see their guidelines regarding ACH payments and there is no information on why they would continue to hold a payment after it has cleared a bank account. All I have to say is WOW! I do business with XXXX and they NEVER do anything like this. I feel completely taken advantage of and will never do business through PayPal again. I will also be filing a complaint with the XXXX XXXX XXXX.
I was in California for a summer program, and I got my account closed because I did not reply a letter with some security questions. 
But I check with the bank and this letter was returned to the bank, once I was not in XXXX, so I never had an opportunity to reply it. 
I called the bank and I ask to receive this letter and reopen my account on my new address in California, but the letter did not arrived. 
The only way I could get my money back, was to returning to XXXX. But I was studying in California so I could not come back. 
I am a XXXX student from XXXX, XXXX is in a huge crises and my family could not send me more money at that time. 
I got a lot of problems due this closed account, so I had to borrow money to stay there and finish my XXXX XXXX. 
Also I had to cancel a planned trip with my friends, it was very inconvenient and abusive.
I had a Chapter  XXXX  Bankruptcy that was Discharged on  XXXX   XXXX ,   XXXX  . Part of the BK was a mortgage loan with  XXXX   XXXX . Experian has " miscoded '' the  XXXX  trade line to show as a "  XXXX  '' ... which means Foreclosure. I did NOT have a Foreclosure ... I in fact still live in the house. They have also put verbiage in the " remarks '' section of the report stating that I had a Foreclosure ... I did not. I need the Code "  XXXX  '' removed and the REMARKS removed ... please.   XXXX  Part of the letter from  XXXX  states " The credit bureaus have been updated to relect no reporting after this date. '' Again, nothing is supposed to be reported after  XXXX   XXXX ,   XXXX   ...   XXXX   has a " Reported Date '' of  XXXX  and a " Last Activity Date '' of  XXXX . I need those changed to  XXXX  as  XXXX  has stated in the letter.
Please review all the comments in the previous complaints fromTransUnion. Trans Union has been arbitrary in their research and assistance and just did not provide any fair form of adjustment in the wording of the account in dispute. Due to the length of time, I think Trans Union should not penalize me any further by reporting information that is wrong and of which they do not even understand what the court decisions assume has be completed by the attorney in the case. It appears that TransUnion did not investigate my complaint and faked having irrefutable information in support, refused to provide a copy of the irrefutable information which delayed my search, restricted communication to prevent proper investigation of my dispute from XXXX. I found the correct information that was the irrefutable proof I had a legitimate dispute. A copy of the certified letter I sent to Trans Union is attached to this complaint.
This letter is a complaint about PayPal 's Seller Protection and Chargeback Fees. I am posting this so others can learn about PayPal 's wrongdoing. 

Regarding case ID : XXXX, PayPal states I did not follow " Seller Protection performance requirements. '' However, I strongly followed PayPal 's Seller Protection requirements, in addition to eBay 's Seller Protection. 

I had sent proof of tracking #, eBay message confirming receipt of payment to the buyer along with their game code, buyer leaving positive feedback, and proof from XXXX that the code was redeemed. It is evident that the buyer was a scammer. 

PayPal still initiated a chargeback of {$34.00} USD plus an additional {$20.00} USD chargeback fee. There was no Seller Protection offered to me, to protect me against a scammer. This was not the only chargeback against me, as many of my eBay products were targeted by scammers - many of whom are no longer registered on eBay. This is not right and is false advertising by both eBay and PayPal for stating sellers are " protected '' by their Seller Protection. 

In a separate matter, I paid {$2.00} ( ID : XXXX ) for an eBay USPS shipping, however, the buyer also turned out to be a scammer who is now unregistered on eBay. I never used or shipped out the package. PayPal has yet to refund me on this purchase.
I keep getting collection letters from Resurgent Capital in regards to a credit card that to my knowledge I never had. In addition at the bottom of the page they have this " by law we have to " etc etc. Basically states that if I write a letter disputing they will provide proof. If I do n't the debt will be assumed real. The problem is they leave no mailing address on the bill. When I call they want my social sec # as they say that is protocol and will not give me address. I have went thru this with several reps. I finally got XXXX and she gave me the address which was different then the one that was randomly placed at the top of the letter without a business name, so you were not sure if that was correct. Obviously that address would have never gotten to them ... .HMMMM? The reps name I spoke with was XXXX, she said her last name when she answered but when I asked her to repeat it she would n't. She gave me this mailing address ; Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX
Experian, XXXX and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
I have an outstanding student loan with Navient. It is currently past due and I have explained to them although I acknowledge the debt I can not keep current at this time due to lack of income to cover this as well as mortgage and health insurance. I have told them repeatedly I will catch up as soon as I have more income coming in. They continue to call everyday. 5 robocalls so far today alone
They refuse to delete and account that is an account fraudalent/innacurate that does not belong to me. This account was used to obtain goods without my consent. They also are not helpful at all. From all the XXXX bureaus they work for the big banks not for the customer. 
I removed all the negative and bad account from XXXX, XXXX, EXCEPT ON EQUIFAX. I really dont understant. 
Please Help
Calls at different times in th emorning, from XXXX XXXX to XXXX. Trying to collect a debt that is ten years old. Saying it is a business call and to plese hold in the line. Refusing to say from where they 're calling when i first talk to them. Refusing to stop calling after i have made clear i do not wish to be called anymore. i have paid off one account with this company and they refuse to report it to the credit bureaus
American Express stopped reporting my Credit Card that I have had with them since XX/XX/XXXXto the Credit Bureaus in XXXX or so of XXXX. They claimed that it was because I reported this account I have had since XXXX as fraudulent to them. I never made any such claim and clarified the misunderstanding to them. I spoke on numerous instances with their credit reporting division at XXXX and in specific on 4 instances so far have been promised by the manager in their group ( XXXX XXXX ) that this missing account information will be reported to the Credit Reporting agencies starting the month in XXXX, then XXXX, then XXXX etc. However, this credit history has not been reported still to all the bureaus, and the absence of this long standing credit card history account led to a substantial drop in my credit scores ( over 100 points ) - which in-turn has led to tightening of my credit lines by other card companies, and this process has continued to dramatic drop in my credit scores. I have suffered significant financial losses as a result of this uncorrected error by American Express Credit. Furthermore, in retaliation for my repeated complaints to them about the missing information, this week they even closed my Platinum and Personal American Express card within their system.
I sent all three credit bureaus a certified letter requesting that this closed account from XXXX XX/XX/14 be deleted from my credit reports. It's been over 90 days and they have yet to respond or delete this request. This violates the FCRA law that States that the  bureaus must respond to consumer disputes in a timely manner.
Today ( XX/XX/2018 ) I learned my outstanding mortgage balance is nearly {$10000.00} higher than it was a month ago. I called XXXX XXXX XXXX XXXX  to get it either 1 ) corrected or 2 ) explained why this occurred. Instead of providing help they asked me to send them evidence and mail them a credit dispute. 

I'm mailing the letter tomorrow and will attach the screenshots showing the discrepancy between what XXXX  and Equifax ( XXXX XXXX ) and XXXX XXXX app. 

Additionally, considering how fraudulent XXXX has conducted themselves in the past, I'm inclined to not pay another mortgage payment until this is resolved.