WillisBack/dataset-financial-user-claim huggingface dataset:
i started using paypal about 2013, never had an issue receiving daily money from cusotmers, as i was a XXXX. during this time i was employed with another company within the same field. Then i decided to expand my product range, so at the time i was unaware of the risk of the product it was, neither was paypal.. After making a few sales of high amounts, paypal, limited my account and asked for verification which was completely understandable, upon verification my account was back to normal, during this time i was building jelesousy of the company i worked with, i started selling on ebay, and very soon, fell victim of a very targetted attack more or less seemed, unstoppable, after making $ XXXX, in sales approximately within 2 months.. i started getting, returns ... ( without the item ), ofcourse paypal in the protection of the buyer issued refunds.. during this time they had already added a reserver to my account which was XXXX % of daily sales, on a 90 day reserve. my account balance was at $ XXXX, with XXXX, in reserve. after receveing numerous disputes regarding items, which it became apparent it was a targeted even bcause all $ XXXX in sales, were disputed. i have shipping records of item being shipped, and yet paypal still refunded money. Paypal during this time, apparently missed 3 years of reesearch and linked me to an apparent account i had 7 years prior to that i had no knowledge, during that time, they did n't ask for a social security number.. 
after figuring out that i was linked they shut me down, i was no longer able to acess my funds, they literally shut my business down. i appealed numerous time, as a matter of fact they even told me that they do n't have to talk tot me because im no longer a paypal user.. -- i said fine. my account was negative XXXX the following day, - wow, they send me an email saying my paypal was restored, so i mmididately paid the XXXX, for them to go right back and limit me once again. i logged off for a few months, and now the account has reached dispute refunds for more thani even generated i called expressed my concern that all the buyers had the common email address and they ignored the fact. .. then about 10 months later i receive notice that i have another account, that was opened by my employer during that time frauduently, ofcouse because they have my id and social they linked me, i asked how they got it, and they replied that i submitted the items to take over an account that is XXXX in the hole.. ... why would anyone want to take over an account that is negative. 
XXXX.
I purchased a car in XX/XX/2013 in which the finance company Santander Consumer USA for {$18000.00}. It stated in the contract that, at the end of my loan, I would have paid {$17000.00} in interest. Recently, I called them to get the pay off amount because when I went online, it showed that I still owed {$12000.00}. For the past couple of years, I began to see the amount go down slowly. But instead of paying toward the principal, they have been putting half, sometimes all of the installment toward the interest. After adding up what has been put toward the interest and principal, I discovered that {$24000.00} has been paid in interest and roughly {$6000.00} toward the principal.I 've spoken to different reps including a supervisor which all said that I have not satisfied the interest yet. 
One time I was laid off, and it took a couple of months to get caught up. I was charged late fees in which I paid. I paid double, one time, to get it back on track. They stated to me, today, that because I had several auto extensions ( which includes some that were 5 days late ), that all of those payments went directly to interest. It states in my contract that I can be up to 7 days late and charged only a late fee. I was charged both and don't understand how they can do this. I've purchase several cars throughout the years and have never seen any thing like this. It seems like they can charge people whatever they want to and get away with it. I don't know what to do and really need help.
Lender : American Honda Financial Compliant : not applying additional principle payments properly Account # : XXXX. 
Product:XX/XX/XXXX ACCORD. 
XXXX : XXXX My normal payment are scheduled around the XXXX of the month for approx. {$540.00}, I pay {$650.00}. For this payment they apply the extra principle correctly. 
But, around the first of the month I pay {$750.00} or more, payment from my XXXX XXXX bill pay. I notice for this payment they are applying interest to future payment that I will never have. 
I asked them to correct the payment to principle only. On my request they would only correct the last six extra principle payments. They are stating because I didn't send principle payment to a different address they will not correct the extra principle payment for the whole term. The loan started in XX/XX/2017. I have requested with top managers at Honda Finance and they will not correct. 
I understand math and incurred interest. I know the way they are taking interest out of my principle payment before applying to interest will generate additional interest they are not entitled too ... .I believe this is illegal. Whether I mail to one address or the other ... .additional payment needs to be applied correctly, even more so when the customer catches their error and demands it be corrected. 

Please help - Thank you - XXXX XXXX XXXX
In case XXXX, SPS continues to say that XXXX was acting to protect their interest in advancing funds to pay off XXXX. 
This is not the case, because I was in NO threat of foreclosure from XXXX, and XXXX did not have any idea of arrangements with XXXX to bring the account current. 
The reason I was delinquent in the first place was because I had XXXX and it took a long time to recover. XXXX was very helpful during this time, unlike XXXX. 
Because I was not in danger of foreclosure from XXXX, XXXX did not protect their interest, but did arbitrarily ( and I say illegally and unethically ) decide to pay off my first mortgage with XXXX. 
As such, it was a cash out refinance, entitling me to the right of rescission. As I have said before, I NEVER received ANYTHING showing where any of the money went, let alone any RESPA documents. 
I am willing to see what a Judge would say in a court of law, is SPS?
I never had any credit cards opened in my name!!!! Someone opened XXXX in my name because it is showing on my credit report!!! I want to dispute this!!!
I have a Checking Account with PNC. My account became overdrawn because PNC decided to pay for some charges for {$4.00} and {$6.00} and {$10.00} and so on. PNC covered maybe 6 or 7 charges. Yes this was an oversight on my part, however, they should have just rejected the charges, instead they paid it off and charged me {$36.00}. They gave me about 6 or 7 {$36.00} charges and then they charged me and still charging me to this date {$7.00} a day for a continuous daily overdraft fee. That is absolutely ridiculous. If I could NOT pay for a {$4.00} charge why would you charge me more and more daily. Insane. So now im getting all these harassing calls from PNC not to mention my account is now at about {$400.00} in the negative and they are still charging me {$7.00} per day. Can someone please help me out on this. I am a XXXX XXXX and my pay check is deposited directly into my checking account and they know this so that 's why I am being taken advantage of. Please help.
YOUR COMPLAINT I already have filed one claim regarding the XXXX XXXX Scam that I was a victim of in XX/XX/XXXX/XX/XX/XXXX where I wired money to people that I thought I knew from a dating website. 
On XX/XX/XXXX I wired funds in amount of {$12000.00} from my personal banking account with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, phone ( XXXX ) XXXX, to Wells Fargo Bank, XXXX XXXX, Account : XXXX in XXXX, Pennsylvania. Little did I know before hand that this wire was ultimately going to XXXX and Wells Fargo stopped it before this lady could send it out to XXXX. Thus Wells Fargo has been holding this {$12000.00} until now waiting for my XXXX XXXX XXXX to send them a Letter of Indemnity to release the funds back to my account. My XXXX XXXX XXXX is refusing to do this due to liability. I have been with this credit union since XX/XX/XXXX and they know who I am and should know that I was a victim in all of this. I am now close to XXXX years of age and can get no one to help me get this money back into my account. Please advise me as to what I can do on my end to get this done. Thank you so much in advance for any help that you can give me. 

Please see the attached correspondence regarding this issue as of XX/XX/XXXX. It will help you understand more the timeline and see that I was instructed to file complaint against Wells Fargo and not the XXXX XXXX XXXX.
I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your XXXX. in accordance with the Fair Credit Reporting Act, 15 USC section 1681i. 
Account must be deleted from the report as soon as possible : XXXX/XXXX ACCT # XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX/XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act
During the week of XXXX XXXX, I received a bill from Chase Bank for XXXX XXXX XXXX which I never ordered. The account number was mine, I closed this account approximately 6 years ago. The original amount was {$94.00} but with late fees it is {$190.00}, and it was purchased XXXX/XXXX/16. They have since closed this account and I 'm sure it is on my credit report which has been spotless. They also stated that e-mails had been sent. I did purchased XXXX XXXX but that was years ago. The email address was formerly mine. I have n't had this email for several years. This was the first, the statement that I knew about this. They were willing to drop the late fees and if I would pay XXXX I would be in good standing with them. I told them I will not pay. I talked to the credit card company and talked to fraud, and it was being referred to Investigation and Recovery. They will not allow me to dispute because the charge was in XXXX. I have heard of other fraud, but the fact that this has been from an account that I closed long ago.
On XXXX/XXXX/XXXX Fay Servicing assumed my mortgage from XXXX XXXX XXXX. On XXXX/XXXX/XXXX, Fay debated my escrow account {$1600.00} tax disbursement presumably for the XXXX XX/XX/XXXX property tax installment due to XXXX XXXX County on XXXX/XXXX/XXXX. However, XXXX already made the {$1600.00} tax payment on XXXX/XXXX/XXXX prior to transferring my mortgage account to Fay. This information was provided to Fay by XXXX with the loan 's transfer document. Fay caused a double payment to the tax collector. I have contacted the XXXX XXXX County Tax Collector to inquire about the double payment and was informed that : ( 1 ) they have no record of over payment ; ( 2 ) They only have a record of payment of {$1600.00} from XXXX and no record of any {$1600.00} payment from Fay for the XXXX/XXXX/XXXX installment. Fay took {$1600.00} from my account under the pretext of tax payment and kept it to itself.
The company is called Veros Credit. They are a bank loan company for auto purchases. They call and just sit on the phone they never answer when I pick up the phone. They hang up on me. They make threats to repo my vehicle even though I pay. They call almost 100 times daily. They even call and threaten my family and friends. They call at XXXX. And before XXXX XXXX. I'm tired of it
RE : Account : XXXX XXXX - primary signer on car loan// XXXX XXXX co-signer on car loan CRPB Consumer Financial Protection Bureau : 1 ) Negative reporting notices sent to all XXXX credit bureaus 2 ) Inaccurate reporting on behalf of the Account : XXXX Santander Consumer USA informed the primary signer of the car loan that one of the methods of making car payments would be through XXXX Money transfers ( see attachment of XXXX Money transfer confirmation that payments were sent through their financial institution to Santander ). Santander in turn informs XXXX that they have " no records '' of " said payments '' even though there is a XXXX confirmation of payments from XXXX? It 's unbelievable that this continued to occur for three months? For the past two or more months monthly payments are now going through without a hitch thru " XXXX Money transfers '', ( Why is it that Santander can now receive noted payments from this entity now? ) Santander has reported to the major credit bureaus " 90 Day late status on this account '' UNBELIEVABLE and it is showing on my credit report that the account has been in late payment status for 90 days. 

XXXX has called numerous times trying to clear this issue up without success ... the incompetent company 's customer services representatives were calling XXXX about late payments/missed payments while her mother was XXXX in a skilled hospital ( numerous times ) and have called me numerous times while I 'm at work and can not receive calls during meetings ( this is unbelievable and I wished that I did not co-sign on this loan with this particular company ). 

I want this company to correct the wrong handling on this account by sending out a correction regarding incorrect reporting of missed/late payments ( 3 months of late/missed payments ) that is reflected on my credit report and on XXXX credit report. 

I would like for the CRPB Consumer Financial Protection Bureau to also look into this matter and respond back to me on their findings. 

XXXX XXXX, Oklahoma XXXX XXXX Copy : File CRPB
Despite multiple written requests, the unverified erroneous tradeline listed by XXXX XXXX XXXX still remain on my credit report in violation of Federal Law. XXXX XXXX XXXX is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the result of XXXX XXXX XXXX first investigation and subsequent reinvestigations, they stated in writing that this account in question was verified that this tradeline was being reported correctly! Who verified this accounts? XXXX XXXX XXXX has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA XXXX XXXX XXXX is required to promptly DELETE all information which can not be verified. In XX/XX/XXXX correspondence from XXXX XXXX XXXX stated that " we are obligated to report accurate information to the consumer reporting agencies ''. In your XX/XX/XXXX letter XXXX XXXX stated that my account had been VERIFIED. In XX/XX/XXXX, I requested the method of how such verification was done and none was provided! I am attaching a letter from XXXX XXXX dated XX/XX/XXXX, in which XXXX XXXX XXXX states clearly on behalf of XXXX XXXX that " we are unable to provide you with a copy of a signed contract ''. Of course, they don't have a signed contract because I NEVER had any debt with your company!
I constantly monitor my credit report and noticed that an inquiry from someone unfamiliar is reporting on my credit report and want this information removed immediately. i have also send my complaint to the company as well. XXXX XXXX. it shows that the inquiry was reporting since XX/XX/2018 in which i did not authorize for anyone from this company to pull my credit report or inquire about anything under my social security number.
I am SO grateful and thankful to the CFPB for your investigation of Ocwen. I have submitted a FOIA request asking for verification of Ocwen 's fulfillment of the XXXX payment requirements of the US District Court consent judgement. 
My complaint ; what about the additional Ocwen victims not covered in the US District Court Consent Judgement who were forced into unnecessary forced bankruptcies to avoid unsubstantiated foreclosure by Ocwen. Forced to spend money on attorney and bankruptcy fees, unsubstantiated costs while in bankruptcy and the consequences of a bankruptcy on one 's record. These victims have not been abetted. 
I think that if I started a blog requesting victims respond I am of the opinion numerous victims would respond. 
When forced to file my unnecessary bankruptcy the bankruptcy judge asked me " why are you filing bankruptcy with only 1 creditor ( Ocwen ) and all this money in the bank. '' I told her Ocwen refused to communicate with me even though I tried calling, emailing, mailing to no avail and that it was a culmination of a 20-year battle with Ocwen trying to steal my home. 
I can tell you if it was not for the CFPB and the Texas Attorney General 's office soliciting a response to my complaint about Ocwen while in bankruptcy, Ocwen would not have followed the provisions of my bankruptcy. They had already operated in the bankruptcy contrary to Consent Judgement Settlement Term Sheet, Paragraph 1 Foreclosure and Bankruptcy Information and Documentation and sent me numerous letters referencing actions and making demands that were contrary to the requirements of the bankruptcy. My complaint, once again what about the victims forced into unnecessary bankruptcies?
It shows on My XXXX report XXXX XXXX XXXX is reporting loans account # XXXX a 90 days late as XX/XX/XXXX. I have dispute the information with XXXX and they sent a letter stating the information were correct with no proof. I also reach out to XXXX XXXX XXXX XXXX  several of times, they also stated the information were correct. I spoke with a Rep XX/XX/XXXX. She stated she will open another dispute and will reach back out when dispute is finalized. I have not received an email or notification regarding this matter. My account never been late I always had my account in Deferment or forbearance status. There is no way I could have fell in a 90 day late status
CitiMortgage gave me a modification, then almost simultaneously transferred my mortgage to XXXX for processing - but for the wrong amount - $ XXXX higher than the modification. No one would correct the issue even though they could see the modification. XXXX finally sold back my mortgage to Citi, again for the wrong amount they received it from Citi. But now Citi looked at it as a NEW deal from XXXX - and has been impossible to get matter corrected. I hired an attorney and began paying based on the modified amount. Eventually, Citi said I had a deficiency and was in default. Only after they initiated litigation was I able to clear up the matter with attorneys ( theirs and mine ). Final outcome - Citi settled out of court $ XXXX in my favor. BUT KEPT THE INFO AT THE CREDIT BUREAUS TO SHOW AS IF THERE WAS A FORECLOSURE.
I recently pulled my credit report and found errors in the information. I have written the company and called several times only to be treated very rude by their customer service. The FCRA states that the only permissible purpose for pulling someone 's credit report is XXXX firm offer of credit b ) insurance c ) employment d ) a court order. The following credit inquiries are none of the aforementioned permissable purposes : XXXX, XXXX XXXX XXXX, XXXX ( twice ) and XXXX XXXX Financial in 2016. I have also requested information in regards to a NY XXXX XXXX XXXX in which there has been no response and should be removed. Lastly I have requested that they update my address to my current and remove all others. Again no action taken.
I was previously a lease holder through Toyota Financial Services for a XXXX XXXX XXXX XXXX and turned in the vehicle off lease for a XXXX XXXX XXXX XXXX in XX/XX/XXXX. I began receiving calls from a debt collector at XXXX XXXX in approximately late XX/XX/XXXXstating that I owed $ 400+ dollars from my XX/XX/XXXXlease relating to a missing key when the car was turned in off lease. The address he had on file, as provided by Toyota, was the incorrect address despite me being a current account holder with Toyota for the XXXX XXXX XXXX and receiving bills each month to my correct address. I provided my current address ( not knowing who he was ) to receive a copy of the bill. I was told this was sent on XX/XX/XXXXbut this was not received at my home. I received 2 additional calls from XXXX XXXX. He then suggested I consider speaking with Toyota Financial Services. I called the number at Toyota FS provided by XXXX XXXX and was told by XXXX XXXX in recovery at Toyota FS that she could  provide me no information on my account and that I had to speak with the debt collector at XXXX XXXX and Toyota would not send me the bill. I requested to speak with a supervisor at Toyota FS and was told a supervisor was not able to speak with me. I offered to provide a call back number and was told they do n't make outbound calls. I then offered to wait on hold and was told they do not allow people to wait on hold. So, I am now at a point where I am being called repeatedly by a debt collector, have no way to validate this money is indeed owed through the receipt of a bill and Toyota Financial Services sent me to a debt collector due to not having appropriate records for this amount claimed owed for a missing key when they do have my address for the car I pay monthly for that I traded the old vehicle ( with the supposed missing key ) in for.
I have been paying on this debt and they are charging me interest. The original amount was XXXX. I have paid XXXX if not more and the interest they are charging does n't make the amount go any lower. I have asked several times if they can charge interest and they said that they can charge whatever they want.
When we opened our account, we were told by the branch manager that the XXXX {$100.00} of each check deposit into our business account would be made available the same day. We made XXXX separate deposits at the same time and was able to log in online to see that we indeed had XXXX, {$100.00} hundred dollar pending transactions. Overnight, BB & T reveresed XXXX of the {$100.00} deposits charging us overdraft fees. This occurred on XXXX/XXXX/15. If the bank actually receives and deposit clears the same day, then the funds should also post the same day. Check XXXX should work both ways and for the consumer and not just against the consumer. 

BB & T back dates deposits creating confusion. For instance, if I make a deposit on XXXX/XXXX/15 for {$500.00} but only the XXXX {$100.00} is made available that day, then both online and the statement should read deposit of {$100.00} on XXXX/XXXX/15 and {$400.00} on XXXX/XXXX/15. We believe that deposits are actually cleared and posted on the same day but not credited.
Wells Fargo stopped drafting our account after my husband filed Chapter XXXX bankruptcy even though the mortgage loan was not included in the bankruptcy. They took our payments and then partial payments for a while but would not apply them to the mortgage due to the bankruptcy according to them. We applied for a loan modification and they asked for the same documents multiple times and drug the process out over a year. After getting no response from Wells Fargo, we were contacted by a company called American home preservationists. They asked for the same documents as Wells Fargo and instructed us to stop speaking to Wells Fargo. We sent them three months of payments in good faith. After receiving over {$3600.00}, they stopped answering or returning calls. 
Wells Fargo has now sold out loan to a company called XXXX XXXX. They are again requesting the same documents we sent Wells Fargo despite Wells Fargo sending us a letter stating they had forwarded all our documents to XXXX. 
We are 20 days from foreclosure and DO NOT want to lose our home. 
Wells Fargo account # XXXX American home preservationists account # unavailable but contact name is XXXX XXXX, XXXX, XXXX XXXX supposed underwriter. XXXX XXXX contact XXXX XXXX, XXXX. 
This has been going on since XXXX 2015!!!!!!!!!! 
Please help us not lose our home.