WillisBack/dataset-financial-user-claim huggingface dataset:
A fraudulent transaction was made on my Paypal account, a money transfer to a XXXX in the amount of XXXX on XX/XX/XXXX, this was attempted/canceled and refunded prior on the same day and it appears the person ( s ) chose to send the funds differently so the transaction can not be disputed as an actual purchase. Sending funds to friends or family is different from a purchase and to the best of my knowledge it can not be disputed. I notified Paypal of this fraudulent transaction and they attempted to send me a link via email to reset password, two emails were sent and not received. It appears there is some error on Paypal 's end which does not allow their emails to go through to my XXXX email address, this has happened before when they attempted to email me concerning a debit card dispute case. I emailed the person, XXXX, at XXXX. However, she did not reply. I do not know this person, it appears someone hacked into my Paypal account or obtained my password somehow, I recently had to change my XXXX password, which is different from Papal, due to someone hacking in or using my password from another location, somewhere in Texas. I do not know if these two incidents are related or not, however, it is very suspicious. Please advise Paypal to reverse the funds from the other party and refund me ASAP.
On XXXX/XXXX/16 I received a phone call stating that I owed {$1800.00} to GLA collections regarding a debt from XXXX XXXX. XXXX the representative stated that many letters had been sent to my home address. No letters were ever received. He said he would send out a new XXXX. A week later I received the letter stating the debt, there is no remedy to dispute the debt on the letter nor any policies of GLA collection services for the state of New York on either the front or back page of the letter. I wrote to the address listed on the letter and sent it to them certified mail disputing the debt as it is not accurate. On XXXX XXXX I received the mail certification returned to me stating " return to sender undeliverable ''. 

On XXXX/XXXX/16 I called XXXX at GLA collection services and asked if they had received my letter and they said they had although I have proof from the USPS it was n't delivered. He then stated that an associate in charge of sending out the itemized debt was sick and thats why I had not received the itemized debt statement. I told them that I do not trust any letters that they sent because like the original collection notice they claim was sent several times, the itemized letter was not sent. I also stated how unprofessional it is to tell someone who is disputing the debt that because an employee is sick is the reason why the letter was n't sent. He assured me that the letter was going out XXXX/XXXX/16, today is XXXX/XXXX/16 and still no itemized letter has been received. 

I also asked him that until we could resolve the debt and amounts, GLA should remove the item from the credit reports, he stated that was not possible. He said just pay the debt and we can remove it.
Simply put, we were " OCWENed ''.   OCWEN told us not to make payments while we were going through their in-house modification program. AFTER we applied, we were notified that OCWEN does not modify second mortgages. But you know what OCWEN does do, they will foreclose on a second mortgage, which is exactly what they did.
My bride and I were out of the country when OCWEN se  nt us certified letters, notifying us the foreclosure they were pursuing. We never received those letters because how long they were in o ur PO Box , co nsequently those letters were returned ( which is on record ). But we did receive an eviction notice in   XXXX  , afte r O   CWEN was actually successful with foreclosing on our home.
Wrapped up lawyers expenses, destroyed credit, and unable to get a credit card or refinance our first mortgage, OCWEN is slowly financially killing us.
I am trying to open an American Express Serve prepaid account XXXX After applying successfully online, I was asked by email to provide additional identity verification documents, at which point I provided images of my US Passport and a recent XXXX credit card statement. I called in to American Express Serve to verify and was told these documents were received properly. I was instructed it would take 24 hours for review. 

A few hours later, I received two emails, spaced one minute apart ; the first notifying me my Serve account was " locked '', the second stating my account was " suspended '' per Member Agreement, section : XXXX D. 

I called XXXX and spoke to the XXXX team several times but was unable to obtain more information as to why my account could not be opened, or was " suspended '' just hours after my application was submitted. The representatives were unprofessional and terse, just instructing me to refer to the email, which ( attached ) is very sparse in details. 

Trying to understand why this newly applied-for account was suspended was even more challenging as it was difficult to communicate with any of the XXXX representatives. All XXXX were based in the XXXX and spoke with heavily XXXX XXXX, forcing me to ask several times for them to repeat themselves, as well as for me to have to repeat myself while speaking slowly. Finally, upon asking for a supervisor, I was first placed on hold for 58 minutes before my phone was devoid of power and the line disconnected. The second time I called and requested a supervisor, I was told s/he was preoccupied and would return my call at a later time, only for me to not receive any calls back. 

Although the representatives were unable to explain the suspension, in reading through section XXXX D of the Member Agreement, there is mention of potential fraudulent or inappropriate activity. Having only applied for the account hours ago and not receiving any card or account number, I have n't had the opportunity to even make use of the XXXX account, much less engage in any activity violating the Member Agreement. 

I 'm not sure what is more bewildering, the decision to suspend my account before I could open or use it, or the ineptness of the customer service agents in not being able to assist me. 

I am simply looking to open an American Express Serve account for XXXX shopping.
I received this email from a weird address on XXXX XXXX, XXXX CUSTOMER ID : XXXX CASE FILE # : NT - XXXX LOAN INFORMATION PAST DUE AMOUNT - {$980.00} CREDITOR - ACE CASH SERVICES Accounts Department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you. 

You are going to be legally prosecuted in the Courthouse within couple of days. Your S.S.N is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. 

Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict action against you. Your salary wages will be garnished too. 


THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$3900.00} and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And this is to notify you that this notification will also be sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

If you want to resolve this matter then immediately contact us thru email or call us at ( XXXX ) XXXX between working hours XXXX to XXXX ( EST ) Ace Cash Services Phone : XXXX ( XXXX ) XXXX Department of Law & Enforcement ( XXXX ) Copyright ( C ) XXXX XXXX | Privacy | Terms of use
account PAID IN FULL. disputed A MILLION TIMES. here IS PROOF IT WAS PAID. pleasE REMOVE THIS INCORRECT INFORMATION.
I had declined all overdraft protection on my account per debit card and other transactions. I was told that I could not do that on recurring transactions though but they did credit those fees and told me it would no longer go through if there was no money in my account. Month later I get back from out of town to find multiple overdraft fee notices in my mail. So I finally check into my acct which I was unaware had a problem to find that I had a balance of $ -XXXX and that over {$1700.00} of that negative balance was just in fees alone. I spent multiple hours on phone trying to resolve the issue about charges that were n't to go through and asked them to credit their ridiculous fees and if so my acct would be in good standing as it should be to which they refused. Since then I stopped using that account and quit direct deposit cause it was never ending cycle of fees they are still s being to this day.
I have got no resolve from MT bank yet, and they just keep sending that same letter over and over. Their statements and claims are false, and I have a copy of my statement showing I did have funds at the time my money was stolen! I stated I had no funds when asked, because it was the truth! I had called to check my balance and that 's when I found out my funds were stolen and my debit was missing from my wallet. When I call I do not enter my debit card number, I enter my account number because i know by memory and do n't have to reach for my wallet all the time. The letter they sent states false statements that I made! It 's crazy they are still denying me my stolen money, and especially that I have all the proof I had funds and more! I need and want my money back! They have ruined the holidays for me and my family, but I refuse have them deny me my stolen money! This bank is the worse, and the people working there even worse. They are not there to help you, but make things even more difficult on you, and getting your stolen funds back!
I received a letter that I owe money to a utility company and Aargon Agency has now reported this to the credit bureau. I called and emailed them and as of yet no response at all. I lost a credit card because of this. I do not owe any money to XXXX utilities.
I was shocked when I reviewed my credit report and found late payment on the dates : 30 days late as of XX/XX/2012 and XX/XX/2012. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
XX/XX/18 I called in to Navient to discuss options concerning a payment. I explained that terms of the loan have gotten out of hand due to excessive forbearance that has been continually pushed by Navient. I reluctantly used this option in the past as a way to stop credit reporting as I continue to attempt to build my credit. I was expecting some sort of deal that would stop credit reporting and what i was offered was a program that " may '' end up dropping my rate. I explained that I needed a lower payment as this payment is currently out of my budget. The response of the two representatives I spoke with was appalling. The first lady I spoke with insisted that I make a payment towards the past due balance now. I questioned her as to how the credit reporting would go. She claimed that it would report 30 days less then what is reporting now. I questioned her on the original amount of the loan and how it has doubled. she claims that excessive forbearance is the reason. When I told her that I would need to call back when i am able to make a payment she questioned me about why I needed to call back and why I couldn't give her an account number to " post date '' now. I explained that i did not know which account i would be able to use so I was comfortable doing that. She became irritated and sent me to another representative to " check the account '' for me. The next representative apparently thought she would shame me out of the money. After i explained that I didn't have the payment she began interrogating my as to where my money was and why i couldn't pay. After about ten minuets explaining my situation she begins making the most rude and unprofessional comments. " Well how's the new truck, the truck you got in XXXX. '' " I explained to her that its great I am able to get my family around and get to work everyday. '' I proceeded to ask why she thought it was necessary to speak to me as if she had personally given me money to pay Navient back. She continued to push and ask why no payment has been made since XXXX, to which i respond I have been stuck between a rock and a hard place, and I really don't appreciate your professionalism when it was me that called in to rectify the situation. After an hour long, conversation I was frustrated to the point of hanging up the phone, I do now wish to deal with Navient and their scams or unprofessional representatives.
On XXXX I called XXXX and contracted their Internet Services over the phone for my apartment located at XXXX XXXX XXXX . XXXX . XXXX in XXXX XXXX, Iowa. XXXX sent a technician to install the modem, and asked a front payment of more than XXXX dollars, my husband was in the apartment and called me about that payment. I called XXXX customer services, and complained that they never explained me about those charges when contracting the services over the phone, the representative stated that it is part of the installation cost, plus modem rental, I asked to cancel the Internet service at the same day, they agreed to did it, and mentioned that I needed to pay XXXX dollars for installation cost. I complained over the phone, and refused to pay that abount, expressing that it was unfair and that I wont pay that amount, I asked if they could remove it, the representative agreed, but made me aware that I should needed to return the modem to the local XXXX office within the same day. I went to the office and returned the modem, they printed a receipt for me with XXXX balance on my account. Afterwards I got multple bills, and called customer services to ask them remove those charges. The staff who answered my call said that the account had XXXX balance. I started gotten collection attempts, and called again customer service, they said the account had a XXXX balance. I even stop by the local office and complain about the collection attempts, the secretary searched my account and said that the charges were removed but they take time to update the account, and that I supposed to wont get the collection attempts anymore. I got the third notice on XXXX XXXX, 2016. The Creditor is XXXX, account # XXXX, service balance XXXX plus XXXX collection fee. Please help me with that. I can pay the money, but it is something that I dont own, it is unfair, and it is horrible that those companies abuse of us in such a way. It is time consuming, disgusting, and difficult to submitt claims, especially for non native XXXX speakers such as me. However, it is worthy, because we should not allow those companies to continue abusing of clients.
This debt collection company is attempting to collect on a XXXX year old debt on behalf of the XXXX. XXXX years ago in XX/XX/1987, the XXXX cleaned and sealed a vacant property. I did not owe this property in XX/XX/1987, I was XXXX years old. I verified with the city that this happened XXXX years ago. Why is the city attempting to collect on a XXXX year old debt?
Just the beginning of this year I have received numerous emails from Great Lakes about my student loan is due. I have emailed them and called them letting them know I am still in school and have been since XXXX. Just today, XXXX XXXX, XXXX I received a letter stating my my forbearance has been approved and payments will start up again in XXXX. I have had this problem with them every year
Grant and Weber has failed to validate this debt after requesting them to do so in writing through certified mail. they 've placed on my credit report. the amount is reporting as XXXX
Sallie Mae originated as the third party on this account and continuously put us in payment plan that had no end in sight. We continued to struggle make payments for the past 15 years, but made all our payments except only had to take a forbearance once due to a job loss. We struggled without savings and without retirement knowing we were getting close to the 20 year forbearance. Now our loans are with Navient and things are not any better. When we called recently to find out exactly how many more years we had to pay until our loans were forgiven, they said " oh you are not eligible for forgiveness because you are not enrolled in that program. We can enroll you in that program now if you like, and in 20 years you will have forgiveness as long as you are in good standing. '' Not only do we face 20 more years of payments, and no more savings, or retirement, but our kids are now faced with taking loans for school and more. The cycle never ends with the deceptive practices. Never once did we assume our loans would not be forgiven after 20 years of payments, and especially since the principal amount of the loans has been paid, but due to the way the system works the wording and the structure of their repayment assistance you never payoff your loans and you keep paying more and more interest. We are now faced with our payments going from {$650.00} to over {$900.00} for the next 20 years, even though we have paid over {$110000.00} to date, which was the amount of our original loans. According to Navient we will now pay the same amount in interest as we had in original loans, and we will have done so over 40 years. This practice is unfair for those who have made payments for decades and continue to do so, only to find out that our remaining loans would not be forgiven after 20 years. Never were we advised about having to be in a special program for forgiveness after 20 years, actually the only willingness the groups are readily able to do is lower your payment, but never telling you the long term ramifications. These deceptive practices are a reason the country falls further and further in debt. This is worse than the housing market scams, I am not looking for any special penalties or refunds, or monetary damage. At this point I would like to just have my the remainder of my loans forgiven. That is only fair. I have paid over the original loan amount since I started paying.
I have been paying on my student loans for over eight years now. I started out with {$30000.00} of debt and still owe {$30000.00}. My payments were applied 100 % towards the interest and none towards the principal. When I figured out that was what Navient was doing I called and spoke with a customer service representative who told me I had to pay off all the interest first before anything would be applied to the principal. I asked why was I given a choice of how I wanted my payment applied when paying online and then applied differently and I was given the same answer. I told the customer service representative that I would never be able to pay my loans off if that was how they did it and I was told that it was Navients policy. I started off with nine student loans and have paid one off in full and still owe the same amount I did when I started paying ... .how is that even possible or fair??
Equifax, XXXX and XXXX XXXX are reporting inaccurate information. My credit score should be in 700 's. A lot of finance companies on my report that I've never dealt with. Please correct this information. I want to buy a house and buy some property.
My partner and I invested into this property. When my partner decided he no longer had interest in the property, the deed was transferred to my wife XXXX XXXX. Following a divorce and bankruptcy, the grant deed was then transferred to myself ( attached are supporting documents from the court ). I was making the payments to XXXX XXXX XXXX, but once the loan was transferred to XXXX my payments started being rejected. When calling in and speaking to a representative, I am told I am not on the loan and can not make the payments. Even after supplying them with the proof from court and grant deed showing me on title, they refused to take my payments. Now I am facing foreclosure due to my documents being mistreated and not review properly. Then after hiring an attorney, I found out that my loan was then transferred from XXXX to Fay Servicing to which I have received absolutely no notices to the property address. Additionally, a Notice of Trustee Sale was posted yesterday XXXX/XXXX/XXXX for a sale of XXXX XXXX, XXXX. That is not even 22 days away required by law that I am to be notified. This whole situation has gone from bad to worse and I need help from whomever I can at this point so I do not lose my property.
I've been gainfully unemployed for 4 months now ... I've been keeping my bill current with side work/gigs here & there but have run into issues. However, it's been a HUGE issue to call and speak to customer service given they're overseas and are not quite understanding of American economy and living ... Along with the language barrier. 

I am asking for 2 things : ( a ) Forbearance for XXXX XXXX to protect my credit rating.. ( b ) I've asked several times for a credit increase to {$2000.00} which would allow me to pay the minimum and stretch out this employment wait ... The current balance does not allow me any wiggle room to kick cans around, pay financing charges until circumstance change.. Essentially there is no room for a psuedo personal loan during hard times.. What if I was in the XXXX right now and needed extra $ $ XXXX??
I get multiple calls from XXXX, XXXX, XXXX, and other numbers. Sometimes its a person most times they just hang up when i answer. They ask for my social security number or address to verify my identity and will not tell me any information. One representative told me if i did n't verify my information they would just begin seizing property from me. Multiple calls a day up to XXXX.
I sent a letter to XXXX XXXX XXXX after reviewing my credit report and seeing an inquiry done by the company. I asked that the inquiry be removed from my credit file because I did not authorize it. XXXX XXXX XXXX responded to me by stating that can not investigate my claim until they receive appropriate of my identity. XXXX XXXX XXXX is asking me to send them a copy of my driver 's license, social security number and date of birth. I do not feel comfortable sending them my personal information as I have no dealings with this company.
I requested and was granted a loan modification from my Mortgage Servicer - Specialized Loan Servicing XXXX SLS XXXX. in XX/XX/2015. At the time my mortgage payment was {$1400.00} at a 9.0 interest rate. I desired a lower monthly payment and lower interest. Once I made the XXXX trail payments of XXXX. I was granted a permanent loan modification ( XX/XX/2015 ) with monthly payments at {$1600.00} with no lowering of the monthly mortgage or interest rate in fact, XXXX increased. Which has caused a hardship with me paying my other monthly bills.
I have submitted XXXX request and CMRE Financial Services continues to ignore those requests to validate the debt. This is not my debt and are not in violation of the FCRA and FDCPA.
Case number : XXXX Despite the resolution of this case and my efforts to resolve this matter, the account still being reported in with XXXX. 
XXXX claim that only the collector can delete the account. 
I have spoke with XXXX XXXX XXXX and have wasted my time. 

XXXX XXXX XXXX do not show respect for the law, nor for the resolution of this case and much less for the individual.