WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased my vehicle XXXX Cadillac Deville DHS from a Buy here Pay here car dealership on XXXX/XXXX/XXXX. The buy here pay here then sold my account with them to Eagle Finance. The loan terms and payment amount stayed the same. It was sold to them XX/XX/XXXX. Prior to being sold to Eagle Finance the car was constantly having engine mechanical problems. I was making payments plus paying for major repairs. XX/XX/XXXX the car engine failed causing again causing more money to be paid out to be fixed. the coils, spark plugs, coil module went out causing over {$1000.00} in repairs. the car also needed new struts, and shocks which was another {$800.00} repair. As of today XXXX/XXXX/XXXX the car is still broke down and not running. The fuel pump is out and the coils and spark plugs and cylinder XXXX, XXXX, and XXXX are out and the will not fire, if it does does start it runs rough and then stalls. I was put in a hardship by trying to make my car payments plus pay all these engine repairs. Eagle Finance did n't wan na hear about my hardship or problems. I told them to come get my vehicle and i would voluntarily give it back, they refused. I figured they could auction it off and sell it and i could pay the deficiency balance and again refused. On XX/XX/XXXX i get a letter from XXXX XXXX XXXX XXXX advising the amount due is {$4500.00} I was told by XXXX XXXX on XXXX/XXXX/XXXX that the balance is now {$4800.00}. The loan was defaulted and charged off by Eagle Finance. So I was told that {$300.00} was added additionally for court cost by XXXX XXXX XXXX, how can i be charged for court cost when this account has not been filed in any court. They are trying to add hidden fees and take advantage of the situation. Eagle Finance wont repossess the car because they know the value of the car is worth less then what is owed. The vehicle has XXXX miles on it and the XXXX value to a private owner is {$2500.00} as of XXXX/XXXX/XXXX. The office manager ( XXXX ) at Eagle Finance laughed and told me that there was n't anything the CFPB can do. if nothing is not rectified I will be filing a lawsuit against XXXX XXXX and XXXX XXXX XXXX for predatory lending, XXXX states have passed anti-predatory lending laws. XXXX, XXXX, XXXX, XXXX, XXXX, North XXXX, XXXX, XXXX, XXXX and XXXX are among those states considered to have the strongest laws. Other states with predatory lending laws include : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. These laws usually describe one or more classes of " high-cost '' or " covered '' loans, which are defined by the fees charged to the borrower at origination or the APR. While lenders are not prohibited from making " high-cost '' or " covered '' loans, a number of additional restrictions are placed on these loans, and the penalties for noncompliance can be substantial.
I been a chase customer for almost 10years and they all of a sudden restricted my account without notifying me and they wont release my funds to me or completely close my account. I am late on my rent due to this issue and every time i call them about my issue they are all rude and give me different false dates of when they will release my funds to me. i requested to close my account and they refuse to do so.What a nightmare!
The online login/encryption process for XXXX XXXX does not allow ( or blocks ) external applications from accessing my financial information contained on the XXXX XXXX website. As a result, XXXX ( external application/website ) can not access on my behalf to manage these finances. Furthermore, XXXX was unable to offer a solution to this access issue.
Hello, my issue with myfedloan.org is that once my forbearance expired, I was not notified that my recent application for annual forbearance was declined. I was not able to access my online account and was told that the reason was that my name was spelled incorrectly on a tax document that myfedloan used to identify me. Because of this problem, It was unbeknownst to me that I was 90 days late, and my credit was deeply impacted. I have paid myfedloan account to current and have asked them to correct the late payment, but they told me that they could not.     I have worked many years to create a positiv e credit score, a nd now it is demolished because of this issue that could have been easily remedied if I had access to my online account.     Any help is greatly appreciated. Thank you.     -  XXXX   XXXX
credence resources I sent letters from my XXXX  and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested
Background to the debt : I went to a XXXX XXXX XXXX near my home on XX/XX/XXXX because I left work throwing up and I needed documentation to miss the next day of work. I gave the lady working the desk my contact and insurance information and waited to get called back. After a few minutes, the lady I had spoken with informs me that the way my insurance works, I had to pay everything up front before I went back. I expected this, and paid with no issue. I was seen and went home. A couple of weeks later I received a statement detailing that I owed {$93.00}. I knew this was incorrect right off, so I called the number listed on the statement for XXXX XXXX XXXX and explained the situation to the representative. She apologized for the mistake and said I would receive a corrected statement soon. On XX/XX/XXXX, I received a statement in the mail that showed I owed {$0.00}. At that point I thought this was the end of it. 
On XX/XX/XXXX I received a notice dated XX/XX/XXXX from Transworld Systems , Inc indicating their intent to collect a debt of {$93.00} on behalf of XXXX XXXX XXXX XXXX. The next day, I sent in a brief letter disputing the debt, as I 've already paid it. I included the statement that showed the {$0.00} balance and a bank statement that showed where I paid. I sent this certified mail. The return receipt indicates that this was received by TSI XX/XX/XXXX. On XX/XX/XXXX, I received a notice dated XX/XX/XXXX indicating a debt of {$180.00} as " still unpaid '' with no explanation as to why it was suddenly doubled. Yesterday, I sent a second dispute to the new amount. When I got home from work, I discovered another notice from TSI indicating that I " still owed '' {$180.00} and suggesting that if I get a tax return, I could use it to pay the balance. This was dated XX/XX/XXXX, a day after my dispute was received, with no verification of the debt as I requested. Today, XX/XX/XXXX, I am sending a third dispute noting that I have filed this complaint as they have continued to contact me after receiving my dispute and to not contact me without verification of the debt that supersedes the statement I have that shows {$0.00} owed.
I switched insurance company 's before my renewal with XXXX  and went with XXXX, i eventually found XXXX sent this matter to a debt collect as if i was obligated to continue my business with them and owed them {$730.00} renewal charges. 

I will attach the new policy insurance card that is dated XX/XX/2016 with XXXX, never a laps on my insurance. 

This was written off XXXX by XXXX.
I have been trying to get information from Navient on paying a small amount while my loan is deferred. They wo n't allow me to make payments on the principal and will only put payments towards the interest, which in the long run does n't do any good. They also wo n't lower the payment to something I can afford. According to them, I can afford $ XXXX / month on my student loans. And this would make it impossible to pay my mortgage, put gas in my car, or feed my child.
Since XXXX XXXX, 2017 I have continuously submitted dispute with the XXXX major credit bureaus regarding information pertaining to bankruptcy on my credit report and have proved with documents that they are not contacting the actual court clerk in this warrants an investigation by someone, The XXXX major credit bureaus are providing false information, without the facts actually being sought. I have sent letters of intent to sue based on their negligence of this matter because I have provided documents many many times On my files, and they refuse to remove false information and have cost me a home, and vehicle due to their false reporting, I ask this be addressed and some one look into the fact that these bureaus are not complying to laws in place to protect the consumer, unless it is for their benefit, I 'm at the point I can not really afford legal counsel but am being forced into this position as they, and anyone I file with, will not serve justice. I demand the Bankruptcy items be removed, as they contain false unverified information and all things associated within.
What is wrong with Experian, I provided a letter directly from XXXX XXXX regarding the XXXX XXXX account listed which is NOT mine and is fraud. Not only I have provided the letter to Experian as well as the other two agencies the other two agencies have already removed. Even XXXX XXXX XXXX has requested removal to Experian and here we are two almost three months later this account is still listed. This is my last attempt to correct this mistake, if it is not correct I have no choice to take further actions and get legal advice as this mistake is holding up a financial move costing me money and it is not my doing.
After reviewing my credit file it has to my attention that Accelerated Financial has inserted a negative mark into my credit file. I am a victim of identity theft. I recently learned that my personal information was used to open an account at Accelerated Financial. Idid not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that I have never even heard of Accelerated Financial company or even received any communication regarding this alleged debt. I was not even given my right to dispute the validity of this account. I was never even aware that this account was open. Remove this from credit file immediately or I will be forced to sue.
This summer my family will rent a vacation home in XXXX XXXX for a week. The home owner asked me to pay via PayPal, and I happily agreed to do so. I have been a PayPal account holder since 2012, and primarily use the account to safely process online payments, and occasionally to send or receive money from family and friends. 

For the first time ever, when I tried to send money via PayPal to the home owner, PayPal asked for both my social security number and my date of birth. I could not bypass this. I tried to continue the transaction online without any of this information, and then without my social security number but with my date of birth. PayPal would not allow me to move forward. 

I called the PayPal customer service line, for which I had to receive a special one-use-only code. The customer service representative, whose name was XXXX, at first insisted that PayPal never asks for SSNs and said that she thought I was at a phishing site. XXXX patiently walked me through attempting to process the transaction through a different browser and then through a different device. In order to even begin the transaction on my mobile phone, PayPal first texted me another one-use-only authorization code. ( Clearly, they understand and use additional verification methods. ) Yet, the service continued to request both SSN and date of birth in order to make the payment. Finally, XXXX put me on hold to consult someone. Apparently this person informed her that, yes, PayPal DOES ask for SSNs as a form of verification in some instances. And, it *might* be bypassed if the PayPal seller sends me an invoice. 

So, I contacted the seller to request an invoice. He sent me one. When I first attempted to pay it using my PayPal account, PayPal AGAIN asked for both SSN and date of birth. Finally, I copied the link into a different browser and was able to check out as a guest.

My complaints are : First, PayPal should never ask for SSNs. It is not a bank, it is a payment service. There are other, effective ways to verify that someone is who they claim to be. Second, PayPal should ALWAYS train their customer service reps to understand when they ask for verification and why and all the possible ways in which they might accomplish verification. Third, PayPal has a reputation for never requesting an SSN, and the reputation is wrong - if they are not going to take steps to abide by their reputation by never asking for SSNs, then they should be truthful in how they represent themselves and never advertise the idea that they do not require SSNs. In fact, I checked PayPal 's terms of service and never ONCE in the document does it state that they may request a SSN. PayPal needs to stop using SSNs, and also to stop deceiving people.

( Note : I understand that PayPal does have an obligation to report certain information to the IRS and for those transactions needs taxpayer ID numbers, which may be SSNs. This situation was NOT that, not according to their own terms of service! )
Due to previous unemployment and then reduced income and high medical expenses for XXXX life saving operations and the need for mortgage modification, my student loans fell into default after exhausting deferments. I thought my loans were being restructured through XXXX XXXX XXXX. I think I was scammed as the loans are now in collection with Performant Recovery for XXXX. Performant contacted me about a rehab program in XXXX 2016. I entered into an agreement, providing credit card and bank account information. They never took the payments and now are garnishing my wages, 15 % of my income. They claimed they called me about needing additional information and another person claimed that they did not need to call me. They had all the information they needed - and I know this because I re-entered into the same agreement today ( XXXX XXXX ). I knew their process was error prone when I reviewed the listed references they had on file, which I updated. I explained that the error was theirs, for {$5.00} per month under the rehab agreement, and that they never contacted me ... But they did contact my employer who now must take 15 % of my wages under the garnishment. This was not supposed to happen at all. I will now be at greater risk of foreclosure instead of mortgage modification, will not be able to pay for critical medical operations and treatments relating to XXXX, can not pay for school and basic living expenses and I could even get fired because of the garnishment. I believe that Performant Recovery operates in a sloppy manner and in bad faith.
On XX/XX/XXXX I called to order XXXX.  The employee on the phone stated she 
would need to run credit and I said no to that and was not going to sign up.  I 
have been working on not applying for anything to get some hard inquiries off my 
credit reports.  I was then told by the employee that it would only be on my 
credit for 30 days.  I then said ok.  After I was given information after the 
check I decided to think about it.  So XX/XX/XXXX I decided to sign up only I 
signed up on the internet thinking the same thing she told me on XX/XX/XXXX would
be ok for sigining up on XX/XX/XXXX not expecting a hard credit inquiry.  I had 

spoke with XXXX XXXX from executive Customer Relations about this on XX/XX/XXXX at 
XXXX asking to speak to XXXX XXXX  I did not get through to the extension I was 
given XXXX ext XXXX. They said they would leave a message to get 
with back to me.  I then sent an email an email on XX/XX/XXXX 

Stating:

From: XXXX [XXXX] 
Sent: Friday, XXXX XXXX, 2017 XXXX XXXX To: XXXX - XXXX Executive Customer Relations 4 


Subject: Re: XXXX Escalation XXXX XXXX I  have gotten a call back about these hard inquiries.  You mentioned stated that 
you would get back to me by XXXX XXXX 2017.  I have not heard from you.  I did not 
ok a hard inquiry.  I said if this was going to be a hard inquiry i do not want 
to sign up.  I was told it could not be and it will show up for 30 days.  The 
dates on these says it won't come off for two years.  I was misinformed of this 
information and want this cleard up.  
 
I then received an email back on XX/XX/XXXX stating:

Good morning
 
After a review of the phone call that took place on XX/XX/17 in which you were 
inquiring about establishing services I was able to confirm that the agent that 
you spoke with informed you that a credit check would need to be ran in order to 
see if a deposit was required to which you agreed to. On XX/XX/17 you placed an 
online order in which you would have given consent to process the order to which 
you later cancelled that order. 
 
Thank you
 

Executive Customer Relations
XXXX | West Division
Office: XXXX Ext. XXXX
M-F: XXXX XXXX  XXXX XXXX (MST)

I then sent this email:

-------- Original message --------
From: XXXX  
Date: X/XX/17 XXXX XXXX (GMT-XXXX) 
To: XXXX - XXXX Executive Customer Relations 4 

 
Subject: RE: XXXX Escalation XXXX XXXX 


I Find it very disturbing that an employee can tell someone that a credit check
will be ran and i said no because i did not want a hard inquiry on my report and 
was told that it would only be on my report for 30 days.  I have been working on 
getting hard inquiries off my reports for over a year now.  Not buying or 
applying for anything.

I would like a copy of the phone recording.

I have since heard from anybody.

I have request to have the hard inquires removed since I was miss informed of 

this information.
I am currently in the process of purchasing a Home and with that my credit reports were pulled. XXXX ask me if I had any negative accounts and of course my answer is no because I make on time payments. But when I reviewed my reports they show that I have one account that is negatively reported. I scroll to see what account it is and it says USAA. BUT HERE 'S THE TURN I HAVE A XXXX BALANCE ON THE CARD. So, why would it be showing on my file in the negatives. Status showed as account just being open. So, I sent a message to USAA to inquire about this issue. The response back was that I had a late payment back in 2015. But I also have records that I never received a statement for that month or previous. As it shows on my credit report as well because USAA is known to pick and choose each month rather you will have a statement and payment due or not. I only received a letter once payment was considered late. 

I reached out and asked them to update and correct this because my account is not in the negative and I hold no balance as well as out of the years I have been with them they have never given me a increase if though I always paid my balance off on time when they actually sent me a statement. 

Now moving forward to last month they did update the status but they also updated as being a delinquent account so it has made my score drop as it was updated as paid as agreed but delinquent by 30 days. I asked that this be removed. I have not received a response from them. This old incorrect information has made my score drop drastically and has caused for a stop in my home purchasing process.
I noticed on my XX/XX/XXXX payment statement that I was being charged a total of {$100.00} simply identified as Attorney fees. I then checked previous payment statements and found that I was charged and had paid {$260.00} in XXXX, XXXX identified again as Attorney fees. I then called the Customer Solutions Department of Lakeview Loan Servicing , LLC. and notified them of the issue. They could not explain what the chargers were for or any notes relating to the charges. They said they would check, gave me a Ticket # and stated they would look into the matter and get back to me. I have since called their Customer Solutions Department 3 times since the initial contact on XX/XX/XXXX with no answer or explanation for the charges. " NO NOTES AS TO WHY THESE CHARGES EXIST ''. Now again on the XXXX payment statement they have once again charged {$35.00} fo " Attorny Fee Assessed ''. Also, I have always paid the Regular Monthly Payment within the 15 days of when the payment is due to avoid any additional charges. This seems to be a means for Lakeview creating a slush fund and I am sure that others must be being charged wrongly too.
im disputing this account, on the basis that i dont remember having a verizon account in XXXX the company that is fighting over it is pinnacle credit services and the collection people are for XXXX, i have been arguing ovrer this bill since XXXX XXXX i also have XXXX dispute this but was told that i had to dispute the other company. i have asked numerous times for all the info on this account to no prevail, please help me dispute and have this erased off my credit report thanks. i have had a problem of someone else using my name too.
I made a large ( for me ) deposit at my bank on XXXX. Later that day the bank " adjusted '' my account by subtracting {$150.00} saying that the deposit was off by that amount. I specifically asked the teller that morning if my amount matched her amount because the deposit was over {$4500.00}. She indicated it did. I had XXXX handwritten deposit tickets filled out because I had more checks than would fit on one page. The bank is only able to provide me with a copy of one page ( front and back ) of my deposit tickets because they say they shredded the second page. Their excuse is that since its an individual account they are only required to send " down '' one page of a deposit ticket. I feel that they misplaced a check in the amount of {$150.00} and that 's why the deposit did n't ' add up. There is no way to tell though because I ca n't see the second deposit ticket. I was not told at the time I made the deposit that I needed to separate the deposit into XXXX separate deposits nor was I told that I could n't " run a business '' out of a personal account. I 've only been reprimanded after the fact for doing so. I 've been dealing with this issue and explaining it over and over to US Bank personnel and getting different answers/excuses. The first person I spoke to at the customer service number indicated that he would send me a form to fill out and the money would be deposited back in my account. Never received the form or the money. The second person I talked to at that number told me that the reason the money was " adjusted '' was because the check for that amount was a bad check and it bounced. I informed her that was not the case because I had recently had that happen and it was not handled in the same way. XXXX customer service reps both clueless representing this bank. I was then given the name and number of a district branch manager to contact. I called him and left XXXX messages without ever having a call returned. Then I received an email survey about my " experience '' with customer service. When I explained my frustration in the survey I did finally get a call ( the only positive of this situation - they actually do read the survey input ). Was told by this person that she understood my frustration with the whole situation and that she would look into it and file some sort of paperwork. It might take up to 72 hours to hear back. This conversation occurred on Thursday, XXXX XXXX and it 's now Thursday, XXXX XXXX. The lack of responsiveness and follow through from these people is frustrating. In the meantime I 've been talking with someone at the branch again and after some initial concern there was no follow up. I left XXXX voice mails for this person with no response. I finally called the main bank number and asked to talk to her today and finally reached her. Their response is the same - they do n't have to keep a second deposit ticket. I just want to get my {$150.00} dollars back. Can you please help?