WillisBack/dataset-financial-user-claim huggingface dataset:
Date Purchased - XX/XX/2018. 
Amount- {$570.00} I was scammed by XXXX XXXX, not only was the essay completely wrong, but it was given to me AFTER the due date of the assignment. This completely defeats the purpose of this 'service '. I also told them to cancel the order multiple times in advance and I assumed they stopped all work on it yet they continued all work on it. This is totally unfair and I'm the victim here. One look at their reviews online and you could see that as well. Besides the fake reviews they've planted online, there are many XXXX threads of people who've been scammed. I attached the emails and it should be so obvious that I was the victim just by going over them. Also, when sending the invoice i was promised a delivery by XXXX XXXX on XX/XX/2018. It was delivered after this deadline and was also incorrect. If nothing else, at least see that they violated the billing info contract. 
The merchant did not allow me to refund. I requested a refund multiple times well before the deadline. They gave me blanket responses such as " We'll escalate your concern to one of our admins who has the authority to issue a refund and will get back to you as soon '' when I told them to cancel and refund all work. They kept working without telling me. In addition to this they promised me that " The paper will be done and delivered by your deadline. " which is again false. As you may know, long projects have deadlines. They failed to meet this and also provided sub par work that I DID NOT EVEN USE. That's why this is an invalid purchase. I don't know what else I can provide but I'm struggling to find a reason as to why no one can see that I got scammed. 
Discover and XXXX both were useless, talking about how the charge is valid. Well of course it's authorized by me, but it was not what I ordered nor did it come on time. How is it valid in that regard? Posting on CFPB is my last resort and I can only pray for the best.
ALL XXXX of my credit bureaus have my maiden name listed. I have gotten married, got divorced from my XXXX marriage, and got remarried this year. These people need to listen and change my XXXX name!!!!! My maiden name is no longer valid!!!!!
I have tried fro three months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time. Attached is the last letter i sent this credit reporting agency
My understanding of the current laws with regards to applying payments to credit cards is as follows - Any payment amount left over after the minimum payment is applied must go toward the highest interest rate.The minimum payment itself typically goes to the balance with the lowest interest rate. Any excess of the minimum payment is applied to the highest interest rate. 
There is XXXX exception to the CARD Act 's excess payment rule : If you buy something under a delayed interest plan -- such as " no interest if paid in full in six months '' offer -- then you can choose to apply your excess payment to that balance instead of the balance with the highest interest rate, so you can take advantage of the deferred interest. 
Otherwise, the credit card company is required to apply the XXXX payments before the delayed interest period ends to the delayed interest balance, in their entirety. 

If this is correct, I have recently had an issue with Discover Card. As I have a deferred interest offer that is expiring on XX/XX/XXXX. I also had a balance at a rate of 4.99 %, which did not expire until XX/XX/XXXX. I paid in full the amount of 0.00 % interest offer in XXXX and asked that it be applied to the 0.00 % that was getting ready to expire. However, they applied the payment to the 4.99 % interest balance expiring in XXXX XXXX not the balance expiring in XXXX XXXX. I have both spoken to them and have written them and this is their response. 
" With your payments, we generally apply any amount that exceeds the minimum payment due toward balances subject to higher Annual Percentage Rates ( APR 's ) before balances having lower rates as of the date we credit your payment. Payments are applied at our discretion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits as required by applicable law. We regret to inform you we are not able to move the payment to the 0 % APR. " Based on my understanding, this is against the law. If you could help me clarify, that would be great!
In reaction to a previous ruling by the CFPB, i stopped payment to XXXX XXXX Services. However, they responded by selling my loan to UAS ( University Accounting Service, LLC ). It was to my understanding that anyone that a genesis loan was sold to, must obey the same stipulations that were set forth in the previous agreement. On a further note, on XXXX XXXX, 2015 a federal judge ruled in saying that XXXX are solely responsible for any outstanding XXXX Loans, and that the students are not. UAS has now threatened to send my accounts to collections, as well as report my nonpayment to the credit bureaus. I am disputing both of these actions, and also arguing my defense to repayment.
I have made arragements to pay them but they continue to call XXXX XXXX is handling my creditors an they all have been notified properly/ I am not trying to avoid paying anyone just through this structured payment plan. Regions Bank been the only creditor that have harassed me calling day an night home and cell phone back to back. cell number \ XXXX XXXX have already made a agreement to pay off one bill 3 payments and will be negoiating the next.
I have four XXXX grants, each for part of my XXXX programs. I have fulfilled obligations to them, but they were converted to loans at the height of my divorce on XX/XX/XXXX. 
I have always been in this XXXX position, before I took the XXXX   grants, and remain in this XXXX  position, which fulfills all obligations. 
I had recertified every year that was required of me, and never had any change in employment, or employment position or meeting obligations. I had always communicated with the servicers. 
In XX/XX/XXXX I was completely blindsided with a divorce from my spouse. I had no idea it was coming after 13 years of marriage. It was a devastating blow to me and I still today, am recovering from the trauma it caused. I could hardly keep my head up at that time. I was already working a fulltime job as a XXXX in a low income ( XXXX ) and XXXX building where more than half of our population are English Language Learners and/or students living in poverty. I love this job and I wouldnt change anything about it. 
Besides working as a fulltime XXXX, I am also a mother. And as of XX/XX/XXXX, I became a single mother. 
So, with all of that, I communicated to the servicers what happened and that I was still meeting obligation to my grants. They did not care that I was in crisis. I was in a position where I was in a survival state and I was barely making it. And they landed that right on top of me at the height of it they said you now owe {$10000.00} more dollars plus interest. And my job, which fulfills obligations, had never changed. They had paperwork on file that showed my employment. They didnt care. 
I suffered more trauma because of what they did to me. 

XXXX  grants : XX/XX/XXXX-XX/XX/XXXX {$2000.00} XX/XX/XXXX-XX/XX/XXXX{$2000.00} XX/XX/XXXX-XX/XX/XXXX{$1000.00} XX/XX/XXXX-XX/XX/XXXX {$2000.00} Today my total that I owe is {$9700.00} -from a XXXX XXXX for 25 lovely XXXX  in an XXXX and XXXX XXXX building.
Hello,In XX/XX/XXXX I called XXXX I had lost my credit card and got married. I asked to do everything at once to get my name changed and then issue me a new card. The person on the line helped and stated a card was sent. Since then I have been locked out of my account online and I was not able to log in to pay my account. I have called 3 times for a new card and now I am being told they will not send me a new card because my account is XXXX overdue. How am I supposed to pay my account if I do not have a card and can not log in online? They refuse to send a card to me. This process is absolutely ridiculous. I couldn't get a card when my account was up to date anyways. They wont unlock my account so I can log in online and pay. I do not make payments over the phone and should not be forced to. I will not be paying this account until they actually get a card delivered in my hands. I will also not be responsible for late fees. They have the correct address. I was hung up on with my first call today. Called back again spoke to XXXX (supervisor) who transferred me to XXXX who wouldn't transfer me to a supervisor stating he was unavailable and they would call me back in 24-48 hours. This is beyond horrible customer service. I have gone through the BBB and the communications from that gentleman was horrible as well. Just send me a new card. This is ridiculous.
Approx imately 4 w eeks ago as of  XXXX / XXXX /  XXXX   I tried to update my Equifax credit score and report. I was unable to do so and received an error. I contacted the credit bureau to notify them of the problem they said they had the same problem and would initiate a high level inquiry and it would ta ke 7 to  10 days. I contacted Equifax on  XXXX / XXXX / XXXX  the same problem still exists still no resolution to my credit file. information from creditors and other credit bureaus is being reported erroneously from a date of  XXXX / XXXX / XXXX . I have since paid collections and credit card balances down which is not being reflected on the report or score. I am in the process of purchasing a new vehicle and this erronious information is impacting my ability to purchase a vehicle. I payforthis service  XXXX  a month this is not a free credit report issue. I was also told this because of a fraud alert from  XXXX  this not the issue I have not had any problem processing my credit report since  XXXX  until a month ago
After the XXXX scandal was made public, I decided that I wanted to find a new bank to bank with. At the time, Regions Bank was running a promotion that offered new customers a {$400.00} checking account bonus when signing up for a checking account. 

Because of this promotion and as a result of seeing local branches in my city, XXXX, TX, I decided to give Regions a try. According to a representative that I spoke with on the phone, my sign up date according to their system was XX/XX/2017. However, I received no documents from Regions until around the middle of XXXX. At that point, I was shocked to see that I received documents for XXXX checking accounts, not just XXXX. 

I logged into my account online, and sure enough there were XXXX accounts opened in my name. As a customer that was trying to find a suitable replacement for XXXX due to accounts being opened without their customer 's knowledge, I was really disappointed. I am not sure how it is possible, or why Regions Bank might want extra accounts to be opened, but XXXX accounts were opened in my name when I went through their sign up process just once. 

My problems with Regions Bank were only compounded when I called Regions Bank to inquire about the promotion, to be told that the promotion ( conveniently ) expired on XX/XX/2017. I checked my own records and was sure that the promotion in question ( XXXX ) expired on XX/XX/2017. I had saved a screenshot of their marketing material that was displayed on their website at the time I signed up for my account which clearly showed the expiration date to be XX/XX/2017. 

The lady I was speaking with on the phone insisted that the expiration date was XX/XX/2017, and that as such I was no eligible for the promotion. I asked her to send me a copy of that document so I could verify for myself. However, she said that Regions Bank did n't keep original copies of the marketing material at that time, and that she could n't send me whatever documentation she was looking at because it was expired and " could n't be printed. '' As I mentioned, my own records and other peoples ' records online clearly show that their marketing material showed XX/XX/2017 as the expiration date. For Regions Bank to advertise a promotion to draw in customers, then tell them after the fact that they are ineligible for that promotion without providing any proof whatsoever is, at its best, dishonest.
I revived notification regarding a debt owed in XX/XX/XXXX from HindmanSanchez, related to HOA fees. I was served with papers in XX/XX/XXXX regarding a XX/XX/XXXX Court Date. I reached out to the Collections agancy on XX/XX/XXXX via Email which I can provide. asking for a payment arrangement. I received a call back from XXXX  on the same day via voicemail advising about my email and payment request. I called her that same day and set up the arrangement as per my email. A direct Check mailed from my XXXX XXXX account starting XX/XX/XXXX for $XXXX per month until paid off. She advised as long as that was set up, they would be OK with the payment arrangement. HindmanSanchez recived a check for $XXXX on XX/XX/XXXX, then another check for $XXXX   on XX/XX/XXXX. then another one on XX/XX/XXXX. the first two checks were cashed. the 3rd has not been. However the amount was pulled from my account on the day of mailing. on XX/XX/XXXX HindmanSanchez had a draft of XXXX withdrawn from my account. as per my original amount owed was XXXX  no payments have been posted to my balance. as of today. the collections agency claim the draft was ordered because nothing had been posted. but they do see payments revived.  Now they want to wait to see what was revived before they refund me any money paid over the amount of XXXX. I had a valid arrangement with them, they failed to follow their processes which caused my issue.
I have n't asked for this company to provide me a debt verification and validation and they have failed to provide me that information the other credit bureaus have removed this off my credit report due to this company sending me several letters indicating that they were going to take this inquiry off of my credit report and that they were no longer going to report anything negative on my credit report they have sent me several letters stating that they were going to take it off of my report and they continuously put it on my credit report I am requesting y'all to ask them to provide you the letters that they have sent to me. I have provided them all of the information that they have requested and I have disputed this several times and Transunion will not take this off my report.
I was a victim of indentity theft in XXXX of 2017. Someone has made several attempts to obtain credit in my name. I reported this to Transunion and they refuse to assist me in getting these hard inquires removed from my credit report and it is effecting me negatively as I am in the process of trying to buy my 1st home.
To sum up what has transpired with myself and Third Federal is I have been making payments just about all on time to them for ten years. About four years ago I filed bankrupcy because I was a single mom and full-time XXXX student. In that time I had always paid my bills to Thhird Federal on time. After the bankrupcy my loan was discharged but I continued to pay because of course I want my house. This has been at least the third time I have received threatening letters from Third Federal as well as them putting a delinquency on my credit report which I have rebuilt. For most of my loan I had paid approximately {$55.00} a month. Apparently after bankrupcy they raised it slightly yet they never informed me. They stated when I called that they are not allowed to send me bills even though I was rerquesting them so I can stay on top of paying them, yet they refused. I paid the outstanding portion I had owed because i was never made aware of the increase. Then about a year later they send me another threatening letter that I am delinquent because of non payment yet I said I have made all my payments. The rep said my loan amount increased and I owed {$220.00} extra, I asked if they could inform me so this does not happen again and they refused. I had made a complaint with you but nothing transpired. I did pay the difference immediately and that was approximately six months ago. Again, I continued to make monthly payments on time which I have enclosed a copy of. Now six months later they send me another threatening notice saying I owe {$450.00} and this letter is a notice of default on my mortgage loan reference # XXXX resulting from my failure to make all monthly installments due as of XX/XX/18. I HAVE made all payments, they continue to reck havoc on my credit and my mortgage, I am trying to rebuild the excellent credit I had had yet they continue to sabatoge it as if to forclose my house and get their money. My loan is approximately {$23000.00} and I had for the most part paid $ XXXX/month, then this year I find out it had gone up to about {$74.00}, the actual amount I am uncertain of whereas they continue to refuse to inform me. I have paid the $ {$220.00} owed plus the $ XXXX   monthly, it is impossible that I could owe {$450.00} in six months when I have made AL, again ALL of my payments. This is harassment and sabotage to my home and welfare. It has got to end. They need to remove that {$450.00} and from now on send a written estimate of my payments and what I owe. They can not continue to send me frivolous bills of outrages sums without any explanation. I can not even go online to review anything, I have no idea what they are doing, what they are charging me or what my interest rate is. I believe if I aim making and have made all my payments for ten years I am entitled to receive a bill, a reason for owing {$450.00}. This is UNACCEPTABLE. They are trying to forclose on my home.
We attempted to purchase camera equipment via a Website XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. After receiving an invoice from alleged company we completed Wire Transfer as requested. Subsequently found evidence that site was a scam and attempted Recall of wire transfer. Transfer occurred between our account at Chase Bank and identified account at XXXX XXXX. Recall not complicated as Chase refuses to provide Hold Harmless Document to XXXX. We have supplied notarized evidence of Scam and our understanding is XXXX has frozen assets in receiving account
Ditech Financial messed up and incorrectly figured the property taxes in our escrow. Because of this, they refunded us around {$3000.00} a year ago and lowered our monthly payment. This year, they expect us to be able to not only make up for the shortage ( {$2100.00} ) they caused when miscalculating, but they want us to cover and additional {$3500.00} " cushion '' they've decided needs to be in the escrow. This raises our mortgage payment by over {$800.00} per month for a year, which isn't possible for us to do. I spoke to several people and none was willing to do anything. My feeling is that they should have to eat their mistake and I can make up the shortage of {$2100.00} over the next year. Can anyone help us?
I currently have a mortgage with US Bank. The original loan amount was for around $ XXXX as of approximately XX/XX/XXXX. I was required to pay PMI, because my loan amount exceeded the 20 % equity to debt ratio. My current loan amount is $ XXXX. In those 3 years the value of the house has increased and my equity to debt ratio has exceeded the 20 % mark, which should mean I no longer should have to pay PMI. XX/XX/XXXX I started conversations with US Bank to refinance in which they did an appraisal. Based on the appraisal my equity to loan ratio was greater then 20 %. I asked about the removing the PMI and was told another business unit would have to work on it. At which point I requested contact information for the other unit and I received a run around. Finally around XXXX I received a number to contact after I complained on their XXXX page. When I called the number I was told to expect paperwork in 10 business days to complete and once I send it back they will review it and if deemed correct then they will turn off the PMI. It 's been about 15 business days and I have n't received any documents. I continue having to pay the PMI in the meantime.
The amount is {$700.00}. I disputed this and The account was deleted and then sold to other company and no it has reappeared on my credit. I was not notified about this. Please delete. It was put on my credit on XX/XX/XXXX
Over a ago I was working for   XXXX   XXXX   XXXX   XXXX   of  XXXX , Pa. and I found out that the owner   XXXX   XXXX   had my Social Security Card in his possession.   I believe he used it to apply for credit under my name. As a result I now have several bogus accounts in my name under collections by  XXXX  for  XXXX ,  XXXX   XXXX ,  XXXX  and  XXXX . None of these accounts I applied for myself.
I setup autopays with Capital One. My monthly minimum payment was usually at XXXX per month. I checked my account today and they had a payment in the amount of XXXX pending to be withdrawn from my account. I called them immediately and asked why such a large payment? After sitting on hold for 5 minutes they came back and stated that I requested a payment on top of my autopay. Well of course I did n't do that and if I was stupid enough to do that then would n't there be multiple transactions? I informed them that the funds would not be available, that they would have to stop that transaction. I was of course informed that they could not and that if I stopped the payment through my bank I would be charged a late fee but if I could pay XXXX right now then there would n't be. They said that was my minimum payment so again why XXXX? I informed them that I would not pay them XXXX right now and that I am going to stop the payment, in which I did my bank informed the payment is n't even pending yet but charged me XXXX to make sure the XXXX does n't get processed. Capital One automatically restricted my card use. I have no problem paying my minimum payment but I feel that the XXXX was being withdrawn unlawfully and then they tried to strong arm me by giving me a late fee, raising my interest and restricting my card. I will not pay this card until all charges are refunded and a honest reason of why they tried to charge me XXXX is given
On XX/XX/2017 I attempted to make a payment on my account. When I called the system kept kicking me out and I wasnt able to make my payment. I also tried to make the payment online and I wasnt able to. I have let Ocwen know and explained what happened to them and asked them to remove the late payment considering that it was their system that messed up and wouldnt allow me to make my payment. I was able to make my first mortgage payment but I was not able to make my payment on my second account. All I want is for them to remove the one late payment on my account that was caused when I wasnt able to make a payment through the phone/internet payment system.
I used PayPal to make a purchase from XXXX XXXX on XX/XX/XXXX. I requested expedited shipping for the item.  XXXX XXXX   guaranteed delivery on XX/XX/XXXX.  Is recurved a notice from the shipper that the item would not arrive until after XX/XX/XXXX. I immediately called XXXX XXXX to cancel . They refused to refund me for 10 days.  PayPal claims to have a payment protection program, where if an item is not received they will refund you.  PayPal has not honored their policy and is protecting the vendor by allowing them to be non responsive for 10 days and hold my money
X/X/14 is not the exact date of the event and disrespect but it was done within in the year of 2014. One of the companies is called XXXX XXXX XXXX based out in XXXX county, Wa. The amount that I allegedly owe is {$660.00}.