WillisBack/dataset-financial-user-claim huggingface dataset:
On the XX/XX/XXXX, I made a transaction with a seller without me knowing that he was trying to scam me. I sent him {$210.00} through paypal with their goods and services transaction and he wanted me to confirm the receipt with basically says that I received the item so that I would lose my protection of my money even though I hadn't received the item yet. I immediately felt uneasy about the whole transaction and filed for a dispute. At the time, he did not have any tracking info on but when I filed the dispute, he put old/fake tracking info in to bypass the system into thinking he shipped it. This caused paypal to side with my seller and me not being able to file another dispute after the fact. I have the tracking info and if you look at it, they're old dates and not even being shipped to the address that's listed in our transaction on paypal. 

XXXX XXXX XXXX ( XXXX chat logs ) XXXX XXXX XXXX He is also on a banlist for previous scams hes done. He seems to use one user to lure you into thinking he's legit then using a different one to do the scam. 

Use XXXX on this site (XX/XX/XXXX ) and you'll see that the dates on there are completely off.
A backround check conducted by checker has incorrect information. Causing me to no longer be employed. This information has jeopardized me financially. This is the only reporting agency with said information.
Hi, I " Bought Out '' My lease from Toyota Finance about 2 months ago. Toyota then sent me a copy of my title, which had a section on the back filled out incorrectly ( The Agent that was filling this out, stamped the " tax '' section with an incorrect number, and then wrote over the number with the correct number ) When I took this to the NJ DMV, they rejected it because they claimed that no numbers can be scratched out or altered. They however stated that the Tax Stamp could be correctly reapplied to the front of the document and that a new Title was not required in this situation. I figured, " no worries, mistakes happen '' and sent this back to Toyota Financing informing them of what the DMV Manager stated, and specifically stated that Toyota Need Not send a new Title, but correct the mistake. Toyota however, completely ignored my message and shredded my title, ordering a new one from the DMV. This process has taken over 5 weeks and no communication has been made from Toyota as to when I can expect this new Title to get mailed to me or what the status is. When I call, they can not give me an update. XXXX XXXX ( The New Lender Who Bought the Loan ) is stating now that I am in violation of the terms of the loan agreement since the Title information has not been updated to reflect them as the new accountholder, and to update this ASAP. Toyota really dropped the ball on this one, and I am now requesting the CFPB step in and ensure that a new title was actually ordered by Toyota, and get an exact delivery date for this new Title.
BMW finance is on my credit report for a car that was solely in my mothers name. Its affecting my score. I do not owe them any money. What happened is, I had a car financed through them but I wanted a bigger model. My mom and I went in to trade the car, but I was told I couldnt because of my score. So my mom bought the car, in her name only. They took the trade of the car in my name and financed the new Car ... although the car was in my moms name I drove the car and made the payments monthly. Well not quite a year later my mom filed bankruptcy and her car was included. But BMW wan na come after me and I never signed for the car. Please help.
Wells Fargo Home Mortgage took an additional payment out of my checking account without authorization from me. When i requested the refund, they refunded the money to someone else account. This cause me to have several NSF fees and caused issues with my employer ( XXXX XXXX XXXX ) as we are held to high standards as it pertains to our personal life. Wells Fargo continued to ignore the issue and eventually refunded a portion of the NSF fees. When i asked for a letter from them showing that it was their error, they just completely blew me off. After repeated calls I finally got a copy of a letter a month later. They never refunded the remaining NSF fees.
XXXX XXXX XXXX {$970.00}, XXXX XXXX XXXX {$880.00}, XXXX XXXX XXXX {$2600.00} Debt can not be collected twice ; settled with original creditor ... unlawful and disgusting ... 
Original creditor has stated that they did not verify, and that they have it on record that my insurance carrier paid all XXXX accounts ... so why do you still report these? 


... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
After contacting and interrogating an individual with XXXX, the collection agent abruptly discontinued the call by hanging up. This left the callee worried and confused about his status. He then felt he needed to involve a number of relatives to investigate and attempt to remedy the situation on his behalf. AmeriCollect, of XXXX, WI was ultimately identified as the caller. We found that they had quickly determined that they had contacted the wrong individual. My complaint relates to their ultimate disposition of their call. When they decided they had the wrong person they should have made that clear before they abruptly ended the call.
I have a complaint regarding my education with XXXX XXXX XXXX. I enrolled in XXXX XX/XX/2014 in the XXXX course which is the longest and covers everything with XXXX. I have completed all of my prior classes until XXXX told me that they will no longer be able to cover my financial aid and that if I wanted to continue my education with them I 'd have to pay out of pocket with my own money. At the end of the last course XXXX XXXX XXXX XXXX XXXX I was told by counselor/admission advisor XXXX XXXX at the end of the course that the school made some kind of mistake and that FAFSA was not covering my financial aid and that she was suppose to notify about this issue at the beginning of the course not at the end. Then I was forced to pay cash out of the pocket. During the course I got discharged from my job and I wasnt able to afford payments these high each class is almost XXXX dollars and she told me that I have to pay this amount in 6 weeks. 

And if I wanted to continue the rest of the classes I would have to pay my own cash for the class and books. As of now I completed half of the XXXX education course and still have a little bit more than half left ( which is about halfway done ). So I because the fact that they couldnt cover my financial aid with schooling I was forced to wait a couple months until the issue was resolved. During this time nothing happened and they werent able to help me out financially, a couple months later I called back to see if their was any good news, unfortunately I was told that they did not know when they get financial aid back.
I am a victim of credit card fraud and identity theft. I submitted my complaint to Equifax fraud department on XX/XX/XXXX alone with a verified police report of the theft. I also discovered that I bacame a victim of identity theft during the Equifax Breach in XX/XX/XXXX after not receiving my social security XXXX deposit. My credit has been affected negatively lowered credit score by 200 points therefore affecting my personal and business credit making it difficult to achieve government contracts. I am XXXX  % service connected XXXX veteran in college full time and am in need of help with this issue. I resubmitted my information to Equifax fraud department again in XX/XX/XXXX, and still have not gotten any response. Thank you in advance. Please give me the benefit of the doubt that may arise in your decision.
I received a letter from Penn Credit Collection agency dated XXXX XXXX, XXXX. 
The letter saying I owed {$56.00} for a parking ticket ( XXXX ) from XXXX XXXX, XXXX to the city of XXXX. 

I had paid the ticket in full in XXXX XXXX to a collection agency called XXXX XXXX XXXX, XXXX with USPS money order ( receipt number XXXX ) in the amount of {$56.00}. 

The amount I paid in XXXX is {$56.00} is the same ticket number XXXX from XXXX XXXX. 

I am not sure why Penn Credit is trying to make me pay for a ticket I 've paid for almost three years ago in full.
United Student Aide Funds started garnishing my XXXX   benefits for {$150.00} on XX/XX/18, and again on XX/XX/18, with  out warning me. I have spoken to the US Dept of Ed and was told that my loans were suspended because I am XXXX XXXX. I have started a repayment with United Student Aide Funds, but I am concerned that they will garnish me next month.
I went to the University XXXX XXXX XXXX. Never finished the program, I went for less than a year. My financial aid through Navient is {$34000.00} and still going up.
US Bank fails to give their customers to opportunity to make their accounts whole in a reasonable timeframe. When the customer does attempt to do so, you are punished and bombarded with fees. Because of my work schedule, I do n't have the luxury of going to branch at a moment 's notice. 

Now this happened after another issue that was a BANK ERROR. I attempted to use my card about a two months ago now, but it was declined. When I called US Bank, they told me they closed the card because I should have a new card by now. I was told they would order one for me and expedite it, but I needed to go to the branch. I used the last bit of time off and went to the branch where I ordered the new card o be rushed to the branch. About a month ago I called because I still only had my temporary ATM card and no new card. I was advised it was ordered and would be at the branch shortly ( you can pull that call ). Almost a week and a half later, it showed up at my house. 

Meanwhile, what US Bank failed to tell us is that we can not make deposits with a temporary card. I understand why, but how am I suppose to make my account whole if an unexpected expense is debited? The answer is " I CA N'T ''. So I was hit with fees because US Bank failed provide me with correct information. If you pull the calls, I was advised that I am essentially powerless in that situation and the bank may return the fees as a courtesy. In this instance they did. 


There was a gas transaction that, to my surprise, was debited out of my account on XX/XX/XXXX. Unfortunately that single transaction forced my account in the red by - {$33.00}. After work on XX/XX/XXXX, I have the receipts from the ATM to show, I deposited cash into my account. Again, all on the same day I was notified by US Bank that I had fees. As I deposited first {$180.00}, my receipt had a much lower available balance. I checked my account and I was hit with THREE FEES totalling over {$100.00}. ARE YOU KIDDING ME? One transaction should not warrant three fees. If I deposit cash into my account the same day it goes negative, there should be no fees to process as I did my due diligence to make it whole within a reasonable time. US BANK does not give its customers this. They do not care what financial situation there customers are in because greed, NOT SERVICE, is their first priority. 

You fail your customers and you failed me. I made my account whole the SAME DAY it went negative and despite my cash deposit being put into the account the SAME DAY, US Bank rather charge fees so they can put extra money in their pocket. I feel like I am being treated unfairly and US BANK, rather then help their customers, slams the door on our faces.
I have a credit card account with Capital One. My payments are due by the XXXX of the month and typically Capital One will report account information to the credit bureaus a few days after the payment is due each month. This is what occurred this month on approximately XXXX/XXXX/2015, when my account was updated to reflect the payments made and my balance reflected {$130.00}. I then made another payment which posted on XXXX/XXXX/2015. Capital One did not update my payment history after that payment. However, there was an issue with my bank and the payment was returned ( and subsequently resubmitted after the error was corrected ). I checked my credit report today and Capital One has now updated my XXXX report to reflect the balance of the returned payment even though they had already updated the reporting of the account at the beginning of the month to reflect my payments at that time which cleared with no problem. Consequently, this update caused a nearly XXXX point drop in my credit score. It is very clear that Capital One is electing to report the account at various times with the intent of penalizing me. They did n't choose to update the reporting when my balance was even lower yet they are choosing to do so when the payment was returned. This clearly shows that they are intentionally trying to damage my credit rating in an effort to have me resolve the returned payment ( which I have already done anyway ). This is not the XXXX time they have reported multiple times in a month. The account should be reported after the payment is due and not report again until the following month 's payment is due, which is accurate information. Had I not resolved the issue with the returned payment by my next billing cycle, then Capital One would have every reason to report it in this manner, however, they are opting to do so now before the billing cycle is complete in an effort to intentionally damage my credit rating and to penalize me. I am applying for a mortgage at this time and now have been denied credit due to this.
My Fiance and I have been having medical issues for the past 45 days where we have had to go see multiple doctors and specialists. Along with medical issues we had to move 30 days ago and we did not receive a bill from the collector with the  XXXX  due date.I received an email on  XXXX / XXXX / 2017  from  XXXX  stating that a 30 day late notice was reported on my credit report and lowered m y credit score  by  XXXX  points. I contacted the creditor at  XXXX  PST this morning  XXXX / XXXX /   2017  and was advised I needed to speak with the collection department. I spoke with a  XXXX  and I advised her of the situation, how I 've been repairing my credit so I can purchase my first home and asked if they would extend me a goodwill courtesy of removing the 30 day late notice. I advised that I would even pay the account in full since the payment was n't missed due to a financial hardship rather I was unaware of the due date. She advised my request would be denied. I feel despite having a reasonable case the creditor is acting unreasonable.
To whom it may concern. I have been identified for another individual with the same name as me. I go by XXXX XXXX and I have been identified wrongfully and I am a victim of indentity theft. I have never signed any documents including student loans with Fed Loans Servicing or XXXX XXXX XXXX XXXX. I know for sure that my name is mixed up with another XXXX XXXX, I 've had problems with this before in elementary school and now. It is a frustrating situation to be indentified for accounts that I have never opened. I never attended any school. Please fix this problem. This is an ongoing problem and it needs to stop asap. All Fed Loan Servicing and XXXX XXXX XXXX XXXX are to be removed from my credit report. It was erased and placed back on my report and if it is n't removed for good I will have no patience or understanding and allow my lawyer to deal with you in a civil or federal court.
I started the modification process with roundpoint, they are giving me the run run around for the longest time first they give me a one year trial after making my fith payment they disqualified me because the allegedly did not received one of my payments know every week they send a missing items letter with something different every time. I really need resolution my wife is going through XXXX and I 'm sick XXXX. Please help me! My name is XXXX XXXX loan # XXXX
I have never been in a guitar store. On XXXX XXXX the account was closed. I no not know where they got my name. It is a collection for {$3700.00}. 

Thank you, XXXX XXXX
Santander Consumer USA violated the Service Member Civil Relief Act as well as the fair Debt Collection Practices Act while I was XXXX between XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX I was on XXXX, and then entered into XXXX From XX/XX/XXXX to XX/XX/XXXX. While XXXX, one of their representatives called me later hours at night, sometimes after XXXX XXXX. In addition, since they called me, it means they called me while I was at work XXXX. She made a settlement offer while we spoke, and one time she asked me if all of this was affecting my security clearance. The Last payment received was in XX/XX/XXXX, the time I was XXXX. They shouldnt have been asking for nor receiving payment at the time. In addition, they never bothered to repossess the vehicle. I told the individual that the vehicle was back in the U.S. and that I did not have enough money for the settlement offer. She called me at least 3 times while I was there, late hours of the night when I should have been XXXX. To make a long story short, she stopped calling me. I financed the vehicle with this company XXXX. So no payments were made after XX/XX/XXXX. And that 's because I was XXXX and did n't have enough money to make payments. Instead, they should have went ahead and repossessed the car, but they just kept harassing me. About 2 years later, I checked my credit report and I saw where the company wrote off/discharged the loan. Afterwards, another gentlemen called me from the same company talking very rude and nasty to me while I was working at my national guard unit on that particular day. I told him, that since I was an XXXX XXXX XXXX vet, I didnt receive as much and I had no other income or job. He then said basically, that 's b.s. and hung up the phone. Fast forward to XX/XX/XXXX. I received a XXXX from this company stating I was discharged of debt in the amount of {$14000.00}. The letter was dated XXXX/XXXX/XXXX so I 'm assuming that was the discharge date. I also received a letter from SCUSA-SCRA settlement administration stating, this company entered into a settlement with the U.S. Department of Justice for violating the service members civil relief act. The letter informed me that I may be eligible to receive compensation due to their violations that are corrupt. In addition, this debt shouldnt even exist because they never repossessed the vehicle and the debt was written off around XX/XX/XXXX. I know this to be a fact because in XX/XX/XXXX I financed a vehicle from XXXX XXXX XXXX, and XX/XX/XXXX I financed a vehicle through XXXX, so this debt doesnt even show on my credit report anymore.
Wellsfargo has denied my request to defer my loan. They will not work with me or give me a forbearance through my struggling times. Instead after my request they sent me a letter to let me know my monthly payment has increased. I will no longer pay wellsfargo until this matter is resolved and they remove the late payments from my credit file. This is my XXXX time reporting them to you. Please help me.
I opened a checking account with {$1000.00} as initial deposit on XX/XX/XXXX and made three direct deposits by XX/XX/XXXX. The bank had advertised that if I made two direct deposits it will credit my account {$200.00}. The bank has not yet deposited the amount to my account.
between  XXXX   XXXX     2017  and  XXXX   XXXX   2017   Westlake Financial took  out 2 paym ents from my bank instead of the agreed u pon one    payment o f  XXXX  in doing so it overdrafted my account by  XXXX  they quickly reversed  one p ayment of  XXXX  as of  XXXX   XXXX     2017  my account 's principal balance was  XXXX  AFTER the  XXXX  was processed and the returned  XXXX  was removed from the account balance.prior to the  XXXX  being returned the principal balance was  XXXX  It is my understanding my principal balance does not go up unless there is a late fee. I have never been late on payments. They even tell me I have a 10 day grace period for if I were late.     Now this month PRIOR to making another  XXXX  payment my principal balance is  XXXX  and everyone I spoke to a t Westlake Financial ha s stated it increased because of the refunded  XXXX  but that is not true. the balance is seve ral hundred d ollars higher than it should be. why did my principal balanc e go up  XXXX .It  should have remained at the  XXXX  as only  one payment was refunded. they say there was an NFS fee from my bank but this is only true because of their error in processing 2 payments.      It should be noted that my loan payment is  XXXX  a month but I always pay  XXXX  I want the balance to  b e upg raded to reflect the proper amount as I feel I have not been given credit for the first month payment I made to this. It is also worth noting I p aid 14 o r 15 months on this loan to  XXXX   XXXX  PRIOR to  Westlake p urchasing this loan. While at  XXXX  I was never late and have perfect reporting marks from  XXXX  on my credit report.     Please entic e Westlake to correct my  loan balance. Thank you.
Last week I tried to apply for HSBC credit card and got denied because they can not verify my identity. I submitted all the information requested to no prevail.
Last fall we completed our mortgage obligations to Bank of America ( hereafter referred to as BOA ). Prior to submitting our final payment, the XXXX XXXX XXXX Collector of Revenues office sent notice to BOA regarding the outstanding Real Estate Tax payment that was to be paid by BOA as part of our escrow. At no time did I or my wife receive a copy of the tax bill either from BOA or from XXXX XXXX XXXX. This was the case during the entire term of our mortgage arrangement with BOA. We fully believed that BOA paid our 2016 Real Estate Tax bill since we received no indication otherwise. 

We did receive an escrow resolution letter from BOA ( dated XXXX XXXX, 2016 ) that referenced payments in-and-out of our escrow account, but nowhere did this letter highlight the fact that BOA did NOT pay our tax bill. 

We also received a XXXX tax statement that contained no mention of our Real Estate Taxes. It does mention several other areas that showed BOA paid {$0.00} into certain categories, but again Real Estate Taxes are significantly absent from this document as well. 

The simple facts are that ( a ) BOA had THE ONLY notification of the payment due ( that was sent via email by XXXX XXXX XXXX on XXXX-2016 ; ( b ) BOA had escrow funds in our account ; ( c ) BOA did NOT pay the bill ; and ( d ) BOA did NOT inform us in any clear-cut way that this tax bill had not been paid. Based on the above listed items, we expect BOA to reimburse us for the {$630.00} in delinquent and interest fees that XXXX XXXX XXXX is charging us for not paying our 2016 taxes on time.
I have a private loan through Navient, formerly XXXX XXXX. The original loan amount was less then XXXX in 2005. I enrolled in XXXX XXXX of XXXX but had to switch schools after XXXX semester. The program director left the office early so I was charged for XXXX full terms and the credits did not transfer. I am unable to refinance my loan and by then end of the term will have paid Navient over {$30000.00}.