WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, After receiving a credit I requested, I am being told I must still pay the disputed amount to keep my account in good standing. Even though by doing so, I will incur a credit balance. To ultimately get my refund, I must call Target after I 've paid and they 've issued the refund to again request a refund to be issued by a paper check? BACKGROUND : first you need to know I rarely use my Target credit card. However, after receiving a letter that my card would be deactivated if I did n't charge something before a certain date, I made a point to stop at target and buy something because I thought it useful to keep my card active. However, I have moved and since I rarely use the card, the bill was delivered to my previous address. When I actually got the bill it was XXXX XXXX, the day before the due date of XXXX XXXX. After working with Target.com for over an hour on XXXX XXXX, I finally was in a position to pay my bill online, the only means available to me to make the payment on or before the due date, since it was too late to pay by mail, and I could n't get to the nearest Target ( XXXX miles away ) to pay in person the next day. So, I paid my bill online, or so I thought, on XXXX XXXX. The next day, when checking my emails, I realized I did not receive a confirmation of my payment. I checked my bank account and there was no evidence the payment had been made. I logged in to target.com and my payment was NOT noted. So ... .I paid my bill but unfortunately for me it was after XXXX on XXXX XXXX. Today, XXXX XXXX, I received an electronic notification of my target bill and was shocked to see {$26.00} in charges. ( A {$25.00} late fee plus a {$1.00} minimum charge ). I promptly called Target and was told since my account was in good standing, Target would waive the {$26.00} and credit my account. HOWEVER, I WAS TOLD BY THE AGENT AND BY A SUPERVISOR, XXXX, THAT I MUST STILL PAY THE {$26.00} TO KEEP MY ACCOUNT IN GOOD STANDING! I asked why since my bill is not due until XXXX XXXX. Why should I incur a credit balance of {$26.00}? Supervisor XXXX confirmed the charge had already been waived on my account. The answer was I could call back and get a refund check sent to me. Really? It will cost Target more than {$26.00} to take my call and issue a paper check. Please, can you please do something about this. I believe this is a predatory practice so Target can get the funds and reap the benefit of interest earned. If they do this with all their customers, as Supervisor XXXX assured me, then {$26.00} among even XXXX out of XXXX customers can add up to a tidy revenue stream. 

Thank you for reading this and listening to my concern.
I have continuously received several phone calls from XXXX XXXX in regards to my Captial One credit cards. I have been unemployed since XXXX 2014. I receive no income. No employment. I currently reside with someone. I have made several efforts in retrieving employment by going on interviews and applying for jobs daily. Capital One can vouch for me when I say before my unemployment I was paying my credit card faithfully. Each time this agency contacts me I have to tell them each time nothing has yet to change with my income. I am then being asked can I borrow them money, am I married so that my spouse can help me pay out the money. Do I own or rent. I HAVE NO INCOME! While it is not my intentions to allow my debt to go unpaid at this current time I am unable to pay it. Once I am established it is my goal and duty to pay off my debts. It 's becoming a bit to much to receive calls as frequent as I do. Limit the calls some to at least once a month.
I received a letter from them for the first time on XX/XX/2019 stating that I owe them {$110.00} contract fee, {$340.00} previously accrued late fees and {$10.00} to prepare this notice. I have not paid late and they cashed the check and it cleared my account. I have no control over the Postal Service. I mailed the check 5 days before the due date and they cashed the check and then send me a notice. They have no way online to pay the payment or on the phone. Seems that they are purposely and intentionally doing this to embezzle money from the customers. I have contacted them several times and I never get through to speaking to anyone. These people are crooks, liars and unprofessional and their license should be suspended. They have not done this to just me, there are a lot of unfavorable reports for this servicer. They never tried to email or call for any questions. They purposely sent the letter to charge us.
Amazon Visa from JPMorgan Chase ( XXXX ). 

They do not allow you to make a fixed automatic payment monthly, the only options are to pay the " full amount '' or " minimum payment ''. If you try and schedule payments for the future it also does n't allow you as you can only make one payment per cycle, this in turn causes people to most likely forget and incur a late payment, it 's well within their capability to offer this and it seems like a scheme to either 1. get people to pay the minimum payment and 2. incur late fees if they choose to schedule manually since you can not schedule more than one month at a time See below communication. 

Dear XXXX XXXX XXXX : Thank you for contacting Chase. 

Unfortunately, at this time AutoPay does not offer a " fixed payment '' option. Additional payment ( s ) can always be made after the statement due date, but before the statement closing date. This will ensure the AutoPay to be processed each month. 

If you need any other assistance, you can send us a secure message. We appreciate your business and thank you for choosing Chase. 

Thank you, XXXX Account is owned by Chase Bank USA , N.A . and may be serviced by its affiliates. 


XXXX DO YOU KNOW AT CHASE ONLINE YOU CAN .... 
- Gain instant access to view and download your credit card information. 
- See and pay your bill online - Transfer balances - Change your address and much more .... 

XXXX Original Message Follows : XXXX XXXX NAME : XXXX XXXX XXXX Hello, I am just wondering why you do n't have an option for choosing what amount to pay in automatic payments, my only options are minimum payment or pay full amount ex. my minimum payment is {$27.00} and I want to pay $ XXXX monthly. 

In this case I have to manually schedule these payments and often forget to keep scheduling them, is this by design?
NCB Management Service called my husband on XXXX XXXX, 2017, about an alleged debt I owe and told my husband the name of the creditor, the amount of the debt, and last payment made to the alleged creditor. The debt collector also tried to get my husband to " take care '' of the debt. My husband asked if he was on the alleged debt, and he was told his is not. I called the number my husband gave me and instructed the debt collector not to contact my husband or any other third parties about the alleged debt. The representative claimed he could call whomever he wanted to discuss the alleged debt, then asked me to verify personal information. I refused, and told him I did not trust his tactics. He said he would transfer me to his supervisor. I waited on the line, but nobody ever came back on the line. The debt collector attempted to contact my husband again on XXXX XXXX, 2017. On the same day, I sent by email and certified mail a request for validation of the debt.
Fraud Account My identity was stolen in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and twice XX/XX/XXXX I sent over police reports and court order, no response. 
When I call to verify they explain someone will call back. 
Also I received a letter to garnish. When I called to check status I was told they will call me back.
Hello, I was contacting you to file a complaint on Amcol Systems debt collection agency. This issue with this derogatory account that they are constantly reporting my credit has not been resolved for at least 2 years. I've requested the information that I am entitled to have at least 5 times, and have yet to receive a response. I've been in touch with XXXX, XXXX, and XXXX and they keep on verifying the account as accurate without providing me with any type of feedback. This derogatory account does not belong to me. I do not even know where it came from. It's a debt for {$1000.00}.
PayPal Credit sold my debt to a debt collection company called XXXX with the following company email address - XXXX without notice. Both Paypal and XXXX XXXX company was misleading concerning who has the debt because they did not clearly identify themselves when clearly asked are you apart of Paypal or a debt collector. I was referred to the email. According to the Paypals arbitration agreement any disputes will be settled with attribution. The company did not follow or offer any remedy of arbitration before they sold the debt. XXXX of the agreement. Paypal also violated section XXXX of the agreement by sharing my information with the debt collector. It was not for marketing purposes it was to collect a debt. Before I had any options to dispute the debt ; the debt was sent to collections. Providing no chance to resolve the issue. Paypal always stated let me transfer you to our other department. Not informing me the debt was sent to collections. The action of the collection company and Paypal never stated in any communication on how to dispute the debt when in collection. However, Paypal did state how to dispute a debt before collection however not in collection. Before I could send any disputes, the account was placed with the collection agency and the notice the collection agency provided did not provide any information on how to resolve the issue except pay them money. The debt collector associated with Paypal violated the law. Specifically, What does the debt collector have to tell me about the debt? 
Every collector must send you a written " validation notice '' telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. The last option was not give to me. Both companies attempted to hide information from the consumer. As you can preview from the documents attached- Paypal and XXXX XXXX violated - False statements Laws - indicate that papers they send you are legal forms if they are n't. I would like Paypal and XXXX to remove the information from my credit report and mark the balance as paid in full and close the account so no one else can attempt to collect the debt in which both companies violated debt collection practices laws and arbitration laws.
Discover prepaid card said on their website they would approve me if I made a deposit. They lied and left a negative query on my credit report. They asked for information about my identity and I provided it ( a XXXX with all of my information on it! ) and they still denied me. I went through a lot of trouble to get this and all Discover did was hurt my credit report and harvest information about me! violating privacy laws and being a creepy, lying comapany. 

reference number : XXXX
Hi, I am having a problem with XXXX XXXX XXXX reporting my account late, if I am on a trial loan modification period. You shouldn't have been reported my account s being late. Borrowers who enter into the trial modification period should NOT be reported as late, according to servicer guidelines for XXXX XXXX, XXXX XXXX, as well as other loans ( " non-GSE loans '' ) being modified by HAMP-participating servicers. With that being said XX/XX/ 2017, XX/XX/ 2017 and XXXX XXXX, XXXX and XX/XX/ 2017 is being reported incorrectly. With that being said this account should be deleted ASAP. With this being said please delete this account from my credit report. I have the right for an accurate credit report under FCRA. On XXXX report you reporting my account was on time but TransUnion and XXXX  you report me as being late. that alone is a mistake you made it have to be deleted. see attachment.
Contract Callers is trying to collect a debt from XXXX XXXX that was opened fraudulently by someone else. I did everything I was supposed to do under the fair credit reporting act and disputed this as fraud. I asked for the bureau to block the item and forward the dispute to CCI as fraud. The bureaus did NOTHING and CCI did nothing. 

Is the Fair Credit Reporting Act still viable in this new administration? Do I still have rights?
paypal is jamming cards onto your account just like XXXX XXXX jammed new accounts. Today its very difficult to get through a paypal payment transaction without misleading popups tricking you to take a CC card.
On XXXX XXXX, XXXX, I purchase XXXX XXXX XXXX XXXX concert ticket on line from a company using the name of XXXX XXXX Tickets. Cost of tickets were charged to my PayPal account in the amount of {$320.00} by a company using the name of XXXX. No where on the XXXX XXXX Tickets web site did they state they they were third party providers. When I downloaded the e-tickets on XXXX XXXX, XXXX, what I received were tickets in the name of XXXX XXXX, an individual I never heard of and do not know. I immediately emailed Box Office Tickets advising them I was cancelling my order as I, under no circumstances, would deal with " Third Party Suppliers '' and would not accept tickets that were not issued in my name. I also notified PayPal immediately that I had cancelled the order. I received a reply from " XXXX '' apologizing for any " Inconvenience '' and stated I would be contact by phone within 48 hours. The response from " XXXX XXXX XXXX '' that they would not refund my money, but as a courtesy would give me a XXXX XXXX ( {$30.00} ) adjustment. This of course was totally unacceptable. 
I filed my claim with Paypal.com on XXXX XXXX, XXXX and received a response back from them stating that my dispute was escalated to a claim. I was further advised that they would contacted " XXXX XXXX XXXX '' and I should allow them until XXXX XXXX, XXXX to respond. On XXXX XXXX, XXXX, I received an email from PayPal stating my purchase was " not covered under PayPal Purchase Protection '' and referred the matter to PayPal Credit on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I received an email from PayPal Credit requesting that I submit Proof of Cancellation and records of my attempt to resolve the issue with XXXX. All pertinent documentation was sent to PayPal Credit on XXXX XXXX, XXXX. I received a response from PayPal Customer Support on XXXX XXXX, XXXX stating that my issue did not affect the usability of the tickets and denied my appeal. On XXXX XXXX, XXXX, after being notified that my account was " Past Due '' I called PayPal Credit advising them that I had previously paid off my outstanding balance with PayPal, less the {$320.00} for the unused tickets and closed my account. From that point on I have received repeated phone calls from their Collection Department demanding payment and threathing legal action. 
I am a senior citizen living on a fixed income with an excellent credit rating. I do not and can not throw away money on fraudulent practices by a unscrupulous business.
On XX/XX/2018 between XXXX I deposited XXXX in the bank, filed a case with the bank twice and they are telling me that only found XXXX which makes me furious because I told them to review their cameras and look again the bank stated that they are not going to give me back my money .Also the bank charged me XXXX for calling with out my permission they took it out of my account.They need to shut down BB & T bank it is very awful and too much issues .My goal is to get my money back because I am XXXX and I am very independent and I take care of myself and I pay over XXXX in bills every month and when money is missing its a problem.So please look into this because I need my money back.
As of my most recent dispute on XX/XX/2018, Equifax Credit Bureau is falsely verifying information that I have disputed with them on several occasions. I disputed the accuracy of the Chapter XXXX Bankruptcy they are reporting on my credit file. The results they keep sending are false, they are stating that the information has been verified by a third party XXXX XXXX, which is not true. They will not provide me with the date, person they spoke to, or contact person phone number as I have requested more than once. I have contacted XXXX myself and spoke to XXXX who informed me that my personal information file is frozen and will not be disclosed to anyone, such as my name, address, phone, or any public records. I have a case number and consumer number to validate XXXX XXXX is not supplying Equifax with any of the information they are reporting, and I demand them to remove any information they are claiming this company had furnished them with, or provide me with the information of the person they spoke to so that I can file complaint against them as well. 
Thank you
XXXX XXXX ASSOCIATES HAVE CALED ME AGAIN IN VIOLATION OF A CEASE AND DESIST UNDER FAIR DEBT COLLECTION PRACTICES OF 1968.THEY NEED TO STOP VIOLATING THE LAW
On XX/XX/2018 AT XXXX for the second time I tried to speak and explain that i did not receive services as agreed but I still wanted to fix the problem if I get proper credit for the money I paid for undelivered services for the 6 months while I was overseas.First they put me on hold and then put a collection agent on the phone so he could insult me by yelling and attempting to intimidate me.He screamed at me and called me a liar saying I upgraded my property with their equipment to get a discount on insurance and that I committed fraud demanding money. He threatened me and said would put a lien on my home and whatever it takes to get me because I am a liar. he also threatened me with a poor credit report.
Experian credit report kept saying " loading '' in the XXXX website I was able to download XXXX & XXXX fine
I contacted Nationstar Mortgage about doing a loan modification. I was told that starting XXXX XXXX my payments would go to a modified amount of {$870.00} and would be in a trial period for the next 4 months. In XX/XX/XXXX, I still had not received any modification paperwork from Nationstar. I called Nationstar and spoke to someone and they told me to go ahead and make the {$870.00} payment which I did. I made {$870.00} payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. At that time, I decided that it was best to do a cash-out refinance with another company because I did n't like the way that things were going with Nationstar ; nor did I like the lack of contact with XXXX XXXX my " dedicated loan specialist ''. ( I emailed him numerous times and never received a response ). Starting XXXX XXXX, I went back to making the {$1000.00} mortgage payments and have done that since that time. I found out in XXXX XXXX Nationstar put on my credit that I had a 30 day past due balance of {$430.00}. Although they put that on my credit Nationstar mailed me a check in the amount of {$580.00} on XXXX XXXX, XXXX. I contacted Nationstar about this {$430.00} balance that they claimed I owed. I asked them if I owed money why was n't the {$430.00} taken out of the {$580.00} check before any money was mailed to me. The representatives answer was that the {$580.00} was n't enough to cover a mortgage payment so they mailed it back to me and {$430.00} was the remaining difference between the {$580.00} and the remainder of my mortgage payment. That is incorrect because {$580.00} and {$430.00} totals {$1000.00}, which is not enough to cover my mortgage payment. She also informed me that when I made the {$1000.00} mortgage payment in XX/XX/XXXX that money was put on my account for XX/XX/XXXX. ( Take it that I had already made the modified payment of {$870.00} in XX/XX/XXXX ). So every month that I have made my mortgage payment it has been posted for the previous month. So XX/XX/XXXX 's payment went towards XX/XX/XXXX, XX/XX/XXXX 's payment went towards XX/XX/XXXX, XX/XX/XXXX 's payment went towards XX/XX/XXXX, and so on. It now looks like I 'm a complete month behind on my mortgage payment when I am not! I do not see how they can put a payment on a previous month when it has already been paid. They have also given me several late fees, etc. Now they are saying that I owe over {$2000.00}. I disputed this on my credit report ( XXXX ) and the results came back on XXXX states that historical account information was deleted from my account and has been updated. It also states the prior paying history on this account has been updated. Nationstar has not updated anything! I have called them several times and can not get an accurate answer as to what is going on with my account. They have XXXX past 30 day marks on my credit report for XX/XX/XXXX and XX/XX/XXXX ( when I was in the modification period, as well as XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX ). I have contacted everyone trying to get this situation cleared up and get these negative marks off my record.
In 2016 I went to a school to learn truck driving for my business, XXXX driving school for my XXXX. 
I was told that upon graduation they would sell me a truck and that I would be an owner-operator making 85 % of the profit of the load. 
When I went to driving school we were supposed to learn how to drive both a manual and automatic, we were supposed to learn all XXXX Regulations, we were supposed to learn how to tie down freight, we were supposed to learn everything there was about safe and proper operations of a truck. 

About 2 weeks into the school I kept telling them I needed to learn to manually shift the trucks at which time I was told that once I got out of school I would learn the ins and outs of the business. I started asking questions because every test we had was open book, we were not doing anything in the classes to learn any regulations and was told that once we came out of the school our teammate would train us. I explained I was not there to be a team I was there to be an independent owner. 
So it was explained to me that would be something I would deal with recruiting with once I got my XXXX. 

So the whole time I was in the class was spent on a shifting pad in XXXX gear and reverse and we were never trained on the open road. We did not learn any DOT regulations, we did not learn anything. 

The first time I took my driving test I failed because I did not know how to use a stick shift, I was never took out to learn the proper way to shift a truck and the second time I took the test the instructor told me because I was worried I would fail again to just stay in low gear, act like traffic was too thick to go any faster and that the man testing me would shift the gears if I had issues so that was how I graduated. 

When I was issued my license I kept telling them I not comfortable driving the truck because I did not know any of the DOT regulations because all of the tests we did was open book and we was never schooled in any of them and was told just to mark the right answers which was already outlined in the test books, how to slide tandems, how to drive on the roads and they told me that was something I would be trained for once I got my on the road trainer which I never got they continued to delay me in coming to work. 

I finally got tired of waiting and went to another company where I had to go out with a trainer for another 4 weeks because I didn't even know the basics of driving a Semi.
I recently reviewed my credit report and I noticed that there are various student loan account still appearing on my report and past the statute of limitations ( 7 Years ). I request that this information be removed from my credit reports ( XXXX, XXXX, and Experian )
XXXX is reporting to Transunion that this account is open and past due. I filed for Bankruptcy protection in the XXXX District State of Oklahoma Case # XXXX. They have also called me several times and I have advised them I filed bankruptcy and they should not be calling me.
SENT SEVERAL LETTERS TO TRANSUNION. 
DID N'T GET REPONSE TO MY COMPLAIN.