WillisBack/dataset-financial-user-claim huggingface dataset:
I paid off my Chase Credit card on XXXX 2016. I went into a branch office to pay it off. I asked the clerk if there were any outstanding charges pending. She replied, " No. '' My daughter had checked the balance of the card and she noted that I had a XXXX balance. The billing cycle ended two weeks later. The statement date ended XXXX/XXXX/2016. On this statement there was an outstanding balace of {$10.00}. I went into a branch of Chase to call Customer Service.. Customer Service said that the interest charge had not been factored in yet
I have sent the loan modification package multiple times and CapitalOne Loss Mitigation team either is not processing the documents or keep losing the entire packet. I have sent them everything they required and now they 're telling me they have closed the file to do loan modification for this loan. I 'm very frustrated with their response, lack of customer service, and knowledge to be handle documents to process this file. I do not have a single point of contact for this request/process as each time I call I 've to re-explain the entire situation to a new person wasting more time and effort. Also, they only accept documents via fax/mail and I have no idea that my sent faxes are being received/processed so I have no way of confirming. This entire process has been an ordeal.
Citi management group keep calling about a loan i supposedly had 1 year ago, due to the harassment and threats i made XXXX payment of {$77.00} then XXXX further payments. 
they called the other day for more money but i was not able to pay the full amount, this resulted in me being told i would be taken to court and arrested. Also my amount owed would go from {$1300.00} to {$2800.00}. 
I was told they would tell the court i refused to pay the payment amount when i actually offered to make a reduced payment because i was not in a position to pay the full amount. 
I requested a copy of our " recorded '' conversation and was told she would n't play these games with me and i would be seen in court. 
Also i never received any paperwork with details of my loan or payment plan, i requested these several times and was told i would receive them. 
I NEVER ONCE REFUSED TO PAY THE LOAN IN QUESTION
I was a victim of fraud and it is my understanding that it is my right to place an extended alert with all XXXX credit bureaus and receive a free credit report to check for discrepancies. All of the credit bureaus have automated telephone response systems and do not allow for a consumer to obtain a free credit report due to fraud and/or place an extended alert. Furthermore, none of the bureaus offer to speak with a customer service representative.
No entity may include in a consumer 's report any adverse information deficient of physically verified validity of truth accuracy completeness and compliance..CFPB Delete the accounts XXXX XXXX XXXX-XXXX, XXXX XXXX XXXX
On XX/XX/2018 I was contacted by someone at PayPal Credit requesting payment of a debt for {$110.00}. I was unaware that I had this debt and when it was explained I paid the charge over the phone with a XXXX XXXX XXXX   debit card. A copy of that payment is attached. The debit card is a Visa card.

OnXX/XX/2018, I received another call requesting the payment of the debt from XXXX, a PayPal Credit employee. The original charge had increased due to late fees. XXXX  was insistent that I had not paid and could not be persuaded that PayPal had made an error. To XXXX it was obvious I was a deadbeat. XXXX lacked the computer skills or the authority to see into my account. I was then transferred to two other people. One named XXXX  and finally a supervisor who stopped the harassing calls.

I then submitted documentation from the XXXX XXXX XXXX  and again PayPal insisted that this was not enough documentation. I went to my bank and Mr. XXXX XXXX, the bank manager, signed that the payment was made. I am again submitting the required documentation.

There is little else I can do and the late charges keep piling up. Apparently, this incident demonstrates the limits and the ultimate failure of online financial transactions. I will not be held responsible for the incompetence of PayPal. Therefore, I am requesting that you study the matter and solve my problem.

I am not responsible for PayPal 's inability to keep track of their money.
I went to XXXX University in XXXX, Maryland for 5 years. My loans were through XXXX XXXX which is now Navient. I have around XXXX in loans. I have tried to make my payments on time and in full but I can not. The operators when I call have no solutions or knowledge, and can not help me, yet they hound me constantly to make a payment. Navient loans is contentiously calling me and harassing me to make a payment. I 've tried to work with them to get my payments lowered and they said they can do nothing for me. My co-signers are in debt as well but make more money than I do. I make only XXXX a year, and I 'm about to have a baby. But Navient continuously calls and says that I need to make my payments before I go into default. I have told them about my situation and they have no solutions for me. I can not afford almost half of my paycheck to go to my Student Loans. It 's ridiculous that I can not have my payments lowered to work with my financial situation.
We moved from XXXX XXXX, XXXX to XXXX, XXXX in XX/XX/XXXX. We paid our bill with the moving company with a U.S. Bank credit card. 6 months later, in XX/XX/XXXX, the moving company charged our U.S. Bank credit card without our knowledge or consent. I did not know they charged the card until I received my credit card statement in the mail. It was not until well after the transaction was disputed and I filed a complaint with the XXXX XXXX XXXX that I learned a billing error occurred in XXXX, and they thought they could just charge my card without my knowledge to make up the difference. 

I called the credit card company several times, disputing the charge. I did not authorize it or sign for it. They told me that because the moving company produced a bill, that they would not reverse the charge. 

I notified them that they are obligated under the law to ensure each transaction is authorized. I asked them, if this was not the case, then why do point of sale transactions ask consumers to sign for each purchase? I was told that because I gave them my credit card information in XX/XX/XXXX that they could use it whenever they wanted as long as they could prove I owed that company money - whether or not I authorized the transaction. 

I was told by my credit card company on the morning of XX/XX/XXXX at roughly XXXX XXXX EST, by a man named XXXX in their dispute department, that they do not require proof of my authorization of charges. XXXX told me that it was only necessary for them to see a bill from the charging company, despite my authorization of use of my card not being anywhere on that bill. 

My credit card company allowed an unauthorized transaction to run on my card, and told me that my dispute was invalid even though I never authorized the transaction, and I was never even notified the charge was being made - or that I owed any money at all.
Called XXXX to close XXXX accounts which had held approximately {$200000.00}. I moved money out on Monday and Thursday day before. I asked about trailing interest for the money market account which held the bulk of the {$200000.00}. The telephone representative say they would not pay the interest, because I was closing the account.
XXXX XXXX XXXX called me 81 times in one day on XX/XX/19.
To Whom It May Concern, We really need some help. We had a high interest loan through Honda Finacical since 2010 on a 2010 XXXX XXXX We recently traded in the vehicle to XXXX as they agreed to payoff the rest of the loan. We notified Honda of this the very next day after signing the contract with XXXX. The XXXX dealer needed the exact payoff amount and tried to call Honda Financial multiple times. They refused to give the info. to XXXX. I then called Honda Financial back who told me that if XXXX did n't make the payment right away they were going to mark us 30 days late on our credit. I told them we did n't have nor own the car anymore. I had a contract, paperwork, I could send to them. They did n't care. I asked them numerous times to contact XXXX to verify what I was telling them. They took XXXX 's info. but according to XXXX, did n't contact them. XXXX said they had consistent problems when dealing with Honda Financial and this was n't anything new. I ca n't tell you how many times we tried to contact Honda Financial. At XXXX point we spoke to a customer service rep named " XXXX '' who refused to give her last name. We then spoke to a supervisor named XXXX who did n't seem to care but told me I could fax her paperwork to prove that the dealer purchased the Honda. I faxed the paperwork but never heard a thing. Honda was determined to mark our credit 30 days late ( a mark WE NEVER HAD in 5 years of financing the vehicle! ) I think possibly they wanted to continue to charge interest? Finally after many days of going back and forth XXXX was able to payoff the entire loan. But not until more interest accrued and our credit was marked 30 days late! Why do n't these financial institutions care about people? My wife leased an XXXX last year ( through Honda Financial ) and is now hating it because of the way that Honda treated us. We are trying to purchase a home for our family and then negative mark on our credit is actually hurting that dream! XXXX wanted the payoff amount and Honda made it so difficult to obtain the info. We have documentation to prove that we signed the contract with XXXX to purchase the Honda BEFORE being 30 days late on a payment. Honda accrued more interest from making it hard to payoff this car but what did they gain from marking our credit report? Why did n't they want to help has after ( and continuing to be ) loyal customers for so many years?? Again, I would like to make it clear that XXXX was attempting to pay Honda on time so our credit would n't be marked with a late payment. Honda made this impossible and was not cooperative.
Just received a call saying I owe {$1300.00} from XXXX debt collection from 10 yrs ago. I never applied for one and have n't heard about this until today. They do n't have any paperwork to show proof so I need to file this complaint. Their phone number is XXXX.
Experian is not reporting my XXXX XXXX Visa ending in XXXX and my XXXX XXXX Master Card ending in XXXX.
I returned a metal drying rack to Walmart Order # XXXX today, the customer service representative was extremely uncooperative and wound up refunding the payment to a gift card instead of my Walmart credit card. I didn't want to stand there and argue with her as she was extremely uncooperative so I came home and called customer service. The representative said she could help me out and transferred me to a department that provides store locations, pharmacy locations, etc. They do nothing for my concern and I was apparently just transferred just to get rid of me. I'm tired of this vicious circle dealing with Walmart, I want this refund to go back to my credit card so I could close this credit card account.
TransUnion claims there is an accurate public record being reported on my credit report. I 've asked them to verify it with the company reporting. I 've asked them for proper proof of verification & they requested I contact the data furnisher. When I contacted the data furnisher they claim they do not report to the credit reporting agencies & no one has contacted them directly to verify the information. I would like the public record removed from my credit report immediately!!!
I have a Best Buy credit card and made a purchase on a " no interest for XX months '' promotion that expires in XXXX. There is only a small balance left on this promotion. I realized this month that the total balance shown on my monthly statement does not include this outstanding promotional balance. So for several months, I have been paying my balance in full - I thought - but in reality I have only been paying for the last month 's purchases, and my promotional balance has not been paid. I think this is incredibly misleading - my " account balance '' should reflect my entire balance. I should not need to carefully read through my entire statement to find a separate promotional balance.
There was a computer glitch that caused my inquiries to be removed this was Transunion 's problem not mine transunion later re-added these inquiries without properly notifying me in writing within 5 days of them re-adding the inquiries I then contacted transunion in good faith and asked them to remove these inquiries that they illega lly re ad ded on several occasions to no prevail the last time I called on Friday  XXXX   XXXX   2017  the number I dialed was  XXXX  I spoke with a representative that then transferred me to a supervisor named  XXXX  he had a very thick accent I tried my best to understand him but I could n't I asked to be transferred to a United States representative because I could n't really understand him he told me no he would not transfer me I 'm just really frustrated with the treatment and time they are taking away from my day because of this. It has caused a very untimely hardship for my family I was going through the home buying process and my agent told me that this drop in my score because of the injuries can result in a denial from my home loan I 'm so frustrated that transunion feels it 's okay to violate my rights in this manner!!! Please help me cfpb please make transunion stop victimizing me.
Capital One Bank has refused to abide by Federal Reserve Regulations and National Clearinghouse Rules to obtain authorization in order to convert my payment checks to ACH. I filed a complaint with CFPB before, to which the bank responded by letter to me that it would not follow the regulations. I have paid all my credit card bills in whole but the bank has refused to deposit them and has instead reported me owing then, totaling over {$20000.00}, ruining my good credit. I am again filing a new complaint with the CFPB and, considering the bank 's written refusal to abide by the regulations, if the CFPB does not fine the bank at this second complaint when the bank again refuses to abide by the federal regulations I am going to appeal the CFPB decision to the Federal Courts of Appeal and name the CFPB as a defendant, and seek Injunctive Relief and damages. Previous CFPB No. XXXX.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the major credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see by Verifiable Proof ( an original Consumer Contract with my Signature on it ) from XXXX, Equifax, and XXXX what they have in their possesion on file of the derogatory accounts listed on my credit report as well as the unauthorized inquiries with no success. All three credit bureaus failed to positively verify by physical verification as requested by me on several EVERY SINGLE MONTH for these accounts that has hurt my ability to obtain credit. I repetitiously dispute Under the FCRA that unverified accounts must be removed if you are unable to provide me a copy of verifiable proof. My requests have gone ignored and per FCRA you must remove any and all of the accounts that can not be physically verified. Equifax, XXXX, nor XXXX  have NOT provided 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 They are required to promptly DELETE all information which can not be verified. I informed all three major credit bureaus that The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if the credit reporting agencies fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In the results of their first investigation and subsequently in their re-investigation, they stated in writing that the accounts were verified that these items are being reported correctly. When I asked Who verified these accounts and for physical proof? XXXX, Equifax, or XXXX have 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 All major credit bureaus are required to promptly DELETE all information which can not be verified.
On XX/XX/XXXX I applied for a XXXX XXXX account for a medical procedure, and was approved. On XX/XX/XXXX, I was completed the approval process for the procedure only to find out in the same day that my XXXX XXXX account was frozen pending a fraud investigation. I contacted the credit bureaus and was directed to XXXX as the agency originating the problems. On XX/XX/XXXX, I contacted XXXX, spoke with XXXX. She claimed that XXXX received a dispute via mail on XX/XX/XXXX and without contacting me or notifying me, reported the account as fraud on the same day, resulting in it being closed/frozen. XXXX refused to allow me to stay with a supervisor or details regarding the dispute, such as who filed it or what it included. 

The credit reporting agencies should be required to provide documentation of disputed accounts, including copies of the original dispute. Before a dispute is finalized, the consumer should also be notified. 

Even worse, the credit report and information was sent to Experian and sent back to the company ( aka XXXX XXXX ) started that it 's a " consumer dispute '' even though I never initiated the dispute. Experian did not contact me regarding the dispute either. This should be illegal, claiming I filled a dispute when I did not.
I write to complain about the debt collection conduct of XXXX, XXXX XXXX, and XXXX loan servicing. I owe about {$30000.00} on a private student loan I took out with XXXX to attend XXXX school in XXXX XXXX XXXX. I graduated in XX/XX/XXXX, and was working in the XXXX XXXX XXXX XXXX XXXX XXXX when I XX/XX/XXXX XXXX XXXX The injury occurred two years ago, and as a result I had to stop working. I got XXXX, and, only now have been able to start looking for a job. I have used up my savings as well as the financial good will of my friends and family to maintain payments on these loans. As of XX/XX/XXXX, I no longer can pay the loans. <P/>I called XXXX well before XX/XX/XXXXand advised them of that i was running out of savings and income and that i would need some sort of accommodation until i could find work. XXXX told me I was only entitled to 12 months of forbearance and that I had already used that up sometime during the 9 or 10 years that I have been in repayment. XXXX began calling me in XX/XX/XXXX, telling me i was late on my payment. Every time they called I explained my XXXX XXXX and how it stopped me from working and that I had used up my savings. XXXX then transferred the case to a new servicer, XXXX. XXXX began calling onXX/XX/XXXXXX/XX/XXXX, demanding that I make payments. I continued to explain my financial situation, and asked if there were any options to help. The answer was no. XXXX has since called relentlessly, sometimes several times a day, telling me this isnt a debt you can ignore, and threatening to report me to the credit agency. <P/>I have similar problems repaying loans held by XXXX XXXX.. XXXX gave me one-month forbearance for XX/XX/XXXX, but says I must make six more months of payments before I can access the remaining 3 months of forbearance. This is not possible.
To Whom It May Concern : I was checking my credit score through XXXX and noted a significant drop in my XXXX score. A collections account appeared for a company called Grant and Weber. I checked the details and it shows XXXX line items for a medical center XXXX which provided services to my daughter and myself at different times. However, all of these accounts were paid in full prior to moving XXXX XX/XX/XXXX. According to the line items, the account numbers were sequential and each charge was between {$120.00} and {$120.00}. What is also suspicious is that they have billing dates of XX/XX/XXXX, when we have already relocated XXXX for over a year. In addition, we had double insurance coverage between my husband 's and my work insurance plans, our medical bills were never over the co-pay of {$100.00} as well. Since I have not been contacted by them, I do not have enough information to formally dispute or verify this debt s legitimate. 

Thanks, in advance, for your help in this matter. 

Sincerely, XXXX XXXX XXXX
Ive been writing and mailing INNOVIS to remove erroneous information off my credit report, however, they are refusing to properly investigate my proof and correct the information.
On XX/XX/2016 we closed on a loan with Pure Mortgage and they did not include a final CD with the loan docs and all docs were stamped and pre dated. 
Pure mortgage told me to back date the CD and I told them I could not do that and they forged my signature on the CD so they can sell the loan to XXXX. 
The CEO XXXX XXXX acknowledged that someone forged our signatures and offer to remedy it by firing the person who forged our signature. After I asked for them to run the final CD it showed they were out of compliance and owed me a tolerance cure of {$3100.00} and they stopped payment on the check. 
They also increased our income amount on the loan application. 
Fraud was done in order to complete our loan and the company did not stop there as they forged our signatures on valuable loan documents in order to get a $ XXXX loan sold and they also admitted to that via phone. They did a lot of things that were un ethical and I am attached the supporting documentation.