WillisBack/dataset-financial-user-claim huggingface dataset:
I made XXXX one-time purchases for digital products through XXXX app using Paypal. My payment method at Paypal for " store purchases '' was set to XXXX, but " subscriptions '' was set to my checking account. What happened is that my one-time purchases through the XXXX were charged as subscriptions, resulting in XXXX NSF fees on my checking account. Paypal then attempted a second round of ACH transfers for the same XXXX charges, resulting in another XXXX NSF fees for a total of XXXX NSF fees. 

Paypal provided a " bank letter '' stating that the ACH drafts were unintentional, but the bank ( XXXX ) would only remove XXXX of XXXX fees. Paypal would not accept responsibility for processing the one-time store purchases as " subscriptions '' and would not refund the remaining XXXX fees, but they gave me credit for XXXX as a courtesy. 

The issue here is that XXXX is billing one-time store purchases as " subscriptions or automatic payments, '' and Paypal is aware of the issue but does nothing.
Huntington Bank states that it will not receive a written letter of revocation of authorization of electronic debits. I have notified the company making the withdrawals. I do not need to stop an individual payment, but rather to notify Huntington Bank that I have already revoked authorization with the company but want the bank also on notice of such and that the company is not authorized to make any future electronic transfers. The branch office says it will not receive this letter. I can not find any address, etc., on line to send this letter to. I have called the Huntington 's XXXX number for customer service, and no one can give me a name, address, telephone number, etc. I was attempting to use your agency 's form for the letter of revocation to send to the bank. It appears that Huntington does not honor such revocations, and I find it very problematic that the bank in which I deposit my funds refuses to stop electronically transferring funds upon my instruction and has no method by which I can give this instruction.
I filed for Chapter XXXX bankruptcy XXXX/XXXX/XXXX due to medical debts. XXXX different collection agencies correctly removed the derogatory reporting from my credit reports, as these debts were discharged in the bankruptcy. One collection company, XXXX XXXX, has refused to remove their derogatory reporting from my Experian credit report. 

I previously attempted to file a dispute against XXXX XXXX with your agency ( # XXXX ) and was told you were unable to locate them. 

Due to this situation with XXXX XXXX and with Experian, I have suffered a significantly reduced credit score ( XXXX point difference ) on Experian when compared to XXXX and XXXX . This has impacted my ability to obtain credit, and caused existing credit accounts to be more costly to me. 

I have attempted multiple times to dispute this error with Experian, without success. Dispute numbers/credit report numbers are as follows : XXXX XXXX XXXX On XXXX/XXXX/XXXX I attempted again to dispute this incorrect information with Experian. I was provided report/dispute number number XXXX. Experian refused to open the dispute against XXXX XXXX, so instead I requested to remove a comment I had placed on my report. Within 6 hours I received an email response, literally taking no action at all. The comment I had requested be removed had not been removed. The response closed their " investigation '' into the dispute. 

These actions taken by Experian have caused monetary harm and lost time for me. Both Experian and XXXX XXXX are very aware of the dispute. XXXX even laughably added the status on their reporting that the debt was discharged in bankruptcy, yet still refused to remove it.
XXXX has been non-compliant with removing the unverified account CHASE CARD XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CHASE CARD was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
On or about  XXXX   XXXX ,  XXXX , I applied for a new conventional mortgage loan as a first-time home buyer through Citi-Mortgage and was assigned a new application number  XXXX . On  XXXX   XXXX ,  XXXX , after obtaining and reviewing my credit history and income,  Citi-Mortgage  notified me that I was " Credit & Income Approved. '' This notification was followed by a formal    Credit & Income Approval letter as well as the Pre-Approval letter. I was advised however that this approval was " good for 120 days. '' See Attachment A.      On  XXXX   XXXX ,  XXXX , I requested an updated pre-approval letter. On  XXXX   XXXX ,  XXXX , another representative at Citi-Mortgage was assigned and provided another application file number  XXXX , and stated as follows : " The 120 day period for your original pre-approval has expired. I can update this no problem, but I would need your permission to re-pull your credit report. Please let me know if that is OK. If so, please let me know if there has been any changes to the following : Current addres s Employer Income Asset b alances I can update your file and send the pre-approval letter to you tonight. '' After providing permission to pull the credit report and disclosing information about my race,  color, sex , marital status and age, on  XXXX   XXXX ,  XXXX , the representative stated, " I do see student loan debt on the report we pulled back in  XXXX  but it did not inhibit your approval. If it is in error, we can remove it from calculations regarding debt to income ratios but I can not do anything about having it removed from your credit report. '' See Attachment B.     Therefore when the conventional mortgage loan was given both credit and income approval in  XXXX   XXXX , the student loan that was appearing in the credit report then " did not inhibit '' my approval. However, on  XXXX   XXXX ,  XXXX , the pre-approval for the conventional mortgage loan under application file number  XXXX  was denied on the sole basis of my rac e, color, sex, marital status a nd age. See Attachment C.     There were no change in circumstances between the approval on  XXXX   XXXX ,  XXXX  and the subsequent adverse action on  XXXX   XXXX ,  XXXX . Therefore, the only basis for the adverse action was based on a discriminatory purpose such as race,  color, sex , marital status and age, in direct violation of the Equal Credit Opportunity A ct ( " ECOA  '' ).
The debt collector repeatedly states that they " work '' for the public university, XXXX. They claim they work directly for XXXX University and have to make all decisions with the university, never mentioning " Williams and Fudge '' as their employer or admitting they purchased my debt.
I have contacted LexisNexis Consumer on several occasions in reference to incorrect information on my XXXX XXXX XXXX XXXX ( XXXX ) report. My last contact was on XX/XX/XXXX because of an underwriting decision that increased my car insurance rates based on two incidents on XX/XX/XXXX and XX/XX/XXXX. I was sent a letter dated the same date as my discussion from LexisNexis showing that those two incidents on XX/XX/XXXX and XX/XX/XXXX were listed as not at fault. On XX/XX/XXXX ; I was sent a letter from XXXX XXXX XXXX Underwriting stating that they were cancelling my insurance effective XX/XX/XXXX due to three collisions on dated XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX which were listed as at fault despite being reported and confirmed by XXXX XXXX and XXXX XXXX as being not at fault. This incorrect information has caused severe harm to my insurance rating and ability to secure reasonable priced insurance.
I locked in my mortgage rate for a refinancing with Provident Funding. The lock expires today X/XX/2017. Due to Hurricane XXXX, the process was delayed causing the rate lock to expire before closing ( earliest is on the XX/XX/XXXX ). I asked for a rate lock extension but Provident Funding has refused.
My mortgage is serviced by LoanCare. My house initially had PMI, but I sent a request on XXXX XXXX, XXXX requesting PMI termination. My house was then appraised by an appraiser they sent and found to be below 80 % LTV so the appraiser recommended to LoanCare that PMI be removed. I received no confirmation, but assumed it had been done. I noticed looking at my yearly mortgage statement in XXXX XXXX, that I was still paying PMI. I sent a letter again asking why it had not been removed. I received a response saying my PMI would be cancelled. When I looked at my yearly mortgage statement for XXXX, I found out I was STILL paying PMI. LoanCare has not done anything about its removal after several requests.
I consolidated my loans into direct loans this summer. Then after I found out the payments from my bank were going to the wrong address I canceled the auto payments from my bank. Navient received the payments and deducted the money from my bank account via the checks that I sent them from my bank. One check of {$150.00} on XX/XX/18 and another on XX/XX/18 for the same amount. I double checked my bank account and the funds were withdrawn. Once Navient got the payments, they reversed the payments of - {$150.00} on both payments. I still have not seen the checks in the mail or the money returned in my bank account. 
I have called them 3-4 times in the last 2 months and also sent them an electronic message which they replied to on XXXX XX/XX/2018 and said their customer service is looking into it. 
I used the phone number XXXX. 
I called XX/XX/2018 at XXXX XX/XX/XXXX at XXXX, XXXX and XXXX I called again XX/XX/XXXX at  XXXX XX/XX/XXXX at XXXX Each time they told me to either wait or that someone is looking into it. 
I'm still waiting on the {$300.00} refund.
This situation has been going on for years since Walmart switched over to mastercard.I have always paid my account on time .But for years I 've been getting charged interest on purchases that were for no interest .I had receipts showing the no interest .And Walmart would advertise these promotions and not honor them .Then I would pay off promotional balances and Walmart would turn right around after I  would pay off the promotion and charge me the full interest .There is 2 promotions one for  XXXX and the other in XXXX that I did n't pay off but the other promotions I did before they expired.I have prove of all my payments I 've paid thousands of dollars within the past few years .and it seems like my account is n't decreasing .I turned them in to the Attorney General in XXXX of XXXX they told me they could n't do anything.I contacted Walmart credit card recently I told them my account does n't look right .Basically they sent me a letter stating they were n't removing any fees.I have prove .I 'm in the process of either filing bankruptcy to get rid of the account or taking there bank to small claims court.So it can be figured out where my money is going.I stopped making payments because if my account just keeps increasing .ME making payments is only benefiting them.They are also giving me a negative credit reporting.When I pay my bills on time .This situation is hurting my credit score.
Copy of letter to US Bank Home Mortgage : Dear US Bank representative : I received your letter of XXXX of XX/XX/2018. 
My home is located in a government declared disaster area due to lava eruption in Hawaii. 
Through multiple phone calls in discussions with US bank home mortgage representatives I have been informed that my mortgage is in " forbearance '' status. I was informed by US Bank representatives that for a period of 90 days US bank would NOT report anything to the credit bureaus and all late fees would be waived. You are clearly aware of this forbearance situation as you quoted reference to my Relationship Manager in the letter. 
In this letter dated XXXX of XX/XX/2018 you state that you " may report information about this account to credit bureaus ''. This is in direct contradiction to everything I have been told by US bank home mortgage representatives. You further state that " failure to remit payment by the late charge date will result in a late fee assessment ''. This is also in complete contradiction to what I have been told by multiple US bank mortgage representatives and my relationship manager, XXXX XXXX. 
Do verify immediately, in writing, that my account is in forbearance status as quoted to me by multiple representatives and my Relationship Manager. Also verify in writing that you will not make reports to the credit bureaus and late charges will not be charged as stated during the forbearance period of 90 days. 
Understandably, during this disaster situation there are significant issues to be dealt with daily. The last thing we as mortgagees need is for the bank to send false and inaccurate information in direct contradiction to what we have been quoted on the phone. 
Do verify, in writing, the status of my account and the specifics of the forbearance process including reporting to credit agencies. 
I highly recommended that US Bank coordinate mailings and statements to clearly indicate the forbearance status of the account. Letters such as XXXX XX/XX/2018 letters should be sent by a mortgagee 's Relationship Manager with accurate and current information. 
Also, in conversation with US Bank customer service representative XXXX on XXXX of XXXX XXXX XXXX HST, recorded, XXXX stated that she would discontinue my automatic monthly payment drafts from my credit union. In conversation with US Bank representative XXXX on XX/XX/2018 the representative verified that the stop payment request had been placed on my account. 
In spite of these two assurances by US Bank representatives, U.S. Bank attempted to draft the mortgage payment. Verified in the enclosed letter from US bank dated XXXX XX/XX/2018. Verification of the {$40.00} in fees from my credit union for the attempted drafts by US Bank are enclosed. Do immediately reimburse me {$40.00} for these fees. A check should be sent to me at my address below. 
Your prompt attention to this matter is expected and appreciated.
I was evicted from XXXX XXXX XXXX in 2012. I have only lived there 1 time. They have put 2 judgements on my credit and a collection for {$6700.00}. Over the past year I was able to file a motion to dismiss on of the judgements. But I can not get in touch with anyone at the collection 's company (   US Collections West, INC ). I disputed the collection with the credit bureaus and the collection company sent a letter back providing documentation from the Apartment complex ( a list of things they did, renewal of lease, etc. ), they took out the amount of my deposit that I paid which I believe should have been applied towards that amount they are charging and not just dismissed. The Apartment complex has a judgement for the owed rent and it looks like they have put that into the collection amount as well. I tried to call the apartment complex to have them explain everything with me so can can get it resolved. I can not get them to call me back. I have called many times in the past and get avoided. I called this morning from my work and they answered. I explained what was going on and got put on hold. The line dropped I called back 3 times in a row from my work line and received no answer. I called from my cell phone and they picked up took my number and said they will give me a call back. I feel like I am being harassed/haunted by this debt. I do not believe I owe the {$6700.00} collection. I will pay the judgement. I am at fault for letting it the eviction happen. But I do n't know how to get rid of anything if nobody will talk with me. I was looking at possibly settling the collection just to make it go away. but I can not get anybody to work with me. I think this whole experience is really unfair and unlawful. Please HELP me. Thank you.
I accessed an ATM machine at XXXX XXXX XXXX. I was charged {$3.00} fee, which I understood to be for using non-bank ATM Fee. However, i was charged additional {$3.00} from my bank for charging a different bank 's ATM Fee. I was charged total of {$6.00} for this transaction. {$3.00} by my bank and then {$3.00} by the other bank.
On XXXXsecurity finance of XXXX tn contacte XXXX of my employees/coworker and said they were going to garnish my wages. I do owe the company and I am making payments. I asked them in never to contact me at work and now they have tarnished my name.
Account has been removed and has been reinserte d. CBNA  is not a company bonded in the state of Texas to collect this debt.
The agency re-aged a debt of {$640.00} without my permission, showing an opening date of XXXX/XXXX/16. I have not had service with XXXX in the last 4 years.
I have recently received a copy of my credit reports with inaccurate, unauthorized alleged inquires. I 've followed all the proper steps by phone and by certified mail in reference to removing these inquiries from my credit reports. ( XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. ) Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file concerning these inquiries that you are reporting on my credit reports. If you do not have any documentation in your files to verify the accuracy of these inquiries then PLEASE DELETE THEM IMMEDIATELY as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).
I co signed a car loan in XXXX. In XXXX, the person who was primary was arrested for drug charges and went to jail ; car was seized by the police dept and sold at auction. Remaining balance then came to me bc the origina ldebtor was in jail. I am not sure if they sued me or what happened, but my old lady friend who is now XXXX called Globe Acceptance ( mind you she isnt on the account and not related to me ) and she worked out $ XXXX payment plan. I started making payments in XXXX and have paid monthly until XXXX XXXX. In XXXX XXXX, I found out that they werent reporting to my credit on payments made and had as written off/bad debt. So i stopped the payments since it was bad debt and they original agreement for payback wasnt even between myself and the company, it was arranged by a 3rd party who wasnt asked or involved. Then they called me and the guy was super nasty mean of the phone saying they had jusdgement against me and they were going to garnish my business and take everything i had. I checked my credit and come to find out they reported me for not paying on my debt when they hadnt been reporting i was paying them. So it lowered my score even more. In the meantime, my office manager filed a dispute and asked for 6 months of payments back and we cancelled the card the automatic payment was being taken out on. Today, I called Globe Acceptance and they said {$1800.00} was refunded to my account. So i went to the bank and they told me no money had been credited to my account.They told me Globe tried to take a payment and it was denied. They reported no attempts to deposit money back to the card. So i called Globe Acceptance back and they told me that my bank, XXXX XXXX, had accepted the funds and they had my money. I went back to the bank again, again they reassurred me they dont have the money. I called Globe acceptance and they will not produce any receipt that XXXX received the funds but say it is my problem and now they added {$1800.00} back onto the original debt. Pus mind you, it is still on my credit as charged off-bad debt even though i have been paying for 4 years. XXXX XXXX insists they dont have the money and they wont produce any paperwork stating they dont have the funds. So i have paid {$1800.00} and someone has it - the bank or Globe and i am going to have to pay it all over again. I need help. They have never even went after the original loan holder, only me. It is not fair and now they are XXXX me out of {$1800.00} I dont have
On XX/XX/2018 I tried to make a payment for {$120.00} via phone for credit card company with my checking account thats in the system, check was processed by GE bank and cashed but my credit card company doesnt reflect payment in the system
A collection agency sent me XXXX lettlers where i make a settlement payment of a debt that is not mine.The agency is Midland Credit Management , Inc .
I disputed an invalid debt on my credit report with Experian. The collection company alleges I owe a debt and they have not provided proof of the validity of the debt. I attempted to dispute the debt and 12 days after I disputed, Experian notified me stating that the debt has been " updated. '' When I called Experian, i asked them to provide me with the documentation they used in determining the unsatisfactory conclusion. The representative indicated they can not provide me such documentation as it is the creditors responsibility to fill out the form that Experian provides them. Furthermore, the representative stated that the creditor does not have to provide them with proof of the debt. At the conclusion of the call, The representative recommended I contact the creditor directly and ask them to provide me with proof. I stated to the representative that the proof needed from the creditor is impossible for them to provide ( i.e. A lease signed by myself or wife, a statement within the application agreement indicating that we would owe money to them regardless of whether or not we were approved ). She then instructed me to contact an attorney.
I started to receive calls from Diversified Consultants Inc in regard to a XXXX Account that was closed and taken care of in 2013. So I checked my credit report where I got a derogatory remark for XXXX on my XXXX. I informed them that this had already been taken care of. They let me know they had an open account in there system that had to be paid. They have been calling and harassing me to pay this debt. I want them to have this negative remark removed from my credit report and to stop calling me. Especially when I'm at work.
Lender has contacted over XXXX times within a week, before loan is due. Request Cash U. S. A not to call home several time by mail, email, and fax. Our request was not honored.Abuse their right to collect. XXXX email and XXXX phone calls and the loan is not due until XXXX XXXX, 2015