WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2019, I sent a {$4100.00} remittance to my HSBC HSBC account by wire transfer from the US HSBC account. 15 days later, my XXXX XXXX HSBC account did not receive my remittance. And many times with the HSBC Bank of the United States, there is no clear reply.
I applied for an apartment lease at a complex called XXXX XXXX  around XX/XX/XXXX. I never signed lease and 3 months later I get a bill in the mail for XXXX . I ignored it due to the fact that I knew I didn't owe this amount, and another 2 months later i received another letter from collection agency NCC business services. I ignored debt not applicable to me, and did not find out it was sitting on my credit report until I tried to apply for a different apartment recently ( XX/XX/XXXX ). I tried calling NCC business services and asked for either a settlement or pay for delete, instead I good a very rude representative so I hung up. I went through online dispute and even tried to sent complaints to their management asking for proof of validity but no response. I can pay off debt fully but it is not correct and I should not be charged it, my main concern is taking it off my record.
Portfolio Recovery Systems has filed a suit against me on a bill that has been payed in full. The bill was {$650.00}, through XXXX. On XX/XX/XXXX, I paid {$400.00} drawn from my personal bank account. Then on XX/XX/XXXX I paid the remaining bill of {$250.00}. I have asked several times to be sent a letter indicating that the bill has been payed. Portfolio Recovery Systems has refused and even filed a law suit against me even after bill had been paid in full. They also have refused to indicate to creditors that the bill has been paid in full, purposely ruining my credit and credit score.
My complaint is against Paypal Credit. I used it as a payment method on a site called XXXX - the site turned out to use paypal as a method to scam people into buying their virtual products ( Video game in game items ). When the product is not delivered and the customer checks to see what happened - the company insists to get a refund you must send them more money by via XXXX. It was clearly a scam - XXXX searches will show evidence of a long history of conducting this same scam and paypal turns a blind eye. I submitted a case and shared compelling and detailed evidence and even implored paypal to pose as a customer and see what the vendor does for themselves. I was supposed to receive a resolution within 3 weeks. 2 Months passed and I had to call them to see what had happened to the case as I wanted this fraudulent vendor blacklisted, more so than wanting my money back as kids would use this site to purchase game items and lose their hard earned money which is much more significant to them than it is to me right now. Paypal ruled in the favor of the vendor based upon the vendor being able to provide them with an Internet IP address which matches an IP address I 've used to log into paypal with. That was all they needed to rule in the vendors favor. To purchase items from that vendor you need to provide your username and password to the video game in order for the items to be delivered. When you log in with the username and password it shows all of the locations the game has been logged in from. This was no evidence of product delivery and it seems to have been well thought out and planned by the XXXX game item scamming company. They seem to know what paypal will look for so they can continue their fraud. 
Some links to the vendor 's misconduct : XXXX XXXX XXXX ( Read the video comments ) XXXX XXXX XXXX XXXX XXXX-XXXX You can also XXXX search XXXX fraud or scam and you 'll find many many results. you could also try to use the service and see that you 'll end up in the same situation as the rest of us.
XXXX - at extension XXXX called me " illegal wet bag ''. He used abusive language and profane XXXX language. XXXX stated he was with a legal team. He was going to file papers. He made it sound like he was a lawyer .... Very misleading. This is an outrage! Please make them stop! I 'm XXXX years old! Harassing other members of my family with phone calls.
We were closing on the sale of our house so we did not make mortgage payment. 4 days before closing bank pulled financing for buyers. I asked the loan servicer to make a payment online which we still would owe one payment but would no longer be behind. Not only could i not make an online payment because i was behind when i called i was going to be charged an additional {$20.00} musty to make s payment. This was in addition to the late charge i already was charged. Why is s payment usually free suddenly {$20.00} more? Double charging me for a late fee.
Promotional rate fraud Synchrony Bank I opened a promotional credit account for the purchase of a treadmill. tI paid the exact amount necessary to pay off the treadmill before the promotion expred. The card applied my payments to non accruing interest instead of principal and then hit me with deferred interest charges which exceeded the cost of the treadmill to begin with. I was never notified of any promotional rate expiration as required.
I moved from the XXXX XXXX XXXX at the end of XX/XX/XXXX or the XX/XX/XXXX. My lease ended on XX/XX/XXXX and it was agreed between myself and the property manager that they would keep my security deposit in lieu of XX/XX/XXXX rent. I cleaned the apartment and left the key. I have never received a call, email, nor a letter in the mail from the XXXX XXXX XXXX stating that I owed them any money. I had all of my mail forwarded to my new address when I moved from the XXXX XXXX XXXX. 

On Wednesday, XX/XX/XXXX, at XXXX, I received a phone call from Capstone Collections stating that I owe {$690.00} to the XXXX XXXX XXXX for cleaning fees and change of lock. Prior to this phone call, I have never received a phone call nor letter in the mail from XXXX XXXX stating that I owed anything to the XXXX XXXX XXXX. Because I was disturbed and caught off guard with the call, and I did not want anything to hit my credit, I asked what I needed to do to keep it from hitting my credit. The lady told me that I could pay {$100.00} a month until it 's paid off. I asked for her to send me something in writing and I gave her my address. 

On Sunday, XX/XX/XXXX, I checked my credit report on XXXX XXXX, and saw that Capstone was reporting on my credit report as of XX/XX/XXXX, and that the account was opened with them in XX/XX/XXXX. To date, I still have n't received anything in writing from Capstone. 

Finally yesterday, XX/XX/XXXX, I received a letter in the mail from Capstone dated XX/XX/XXXX title ***Credit Bureau Alert*** stating if I do n't respond they will send the debt to the bureaus. The account has already shown up on my credit from Capstone!!!
As of today 's date : XXXX XXXX, XXXX, Wells Fargo Mortgage has failed to provide a XXXX XXXX XXXX for XXXX. I am currently trying to get a discharge on my Ch. XXXX bankruptcy ( which I had to file to protect my equity and retirement home from Wells Fargo foreclosure proceedings ) and filing my taxes is the last leg. I am current on my post-petition payments ( made by me personally ) and WF says I have paid XXXX interest for XXXX on the automated call-in ; the online XXXX is not available, as it is showing the XXXX amount. 
Conversely, there is a total of {$25000.00} mortgage interest listed on my XXXX/XXXX/XXXX online statement. I called this morning to have the correction made, and they put in a " work-order '' and said the corrected form would be mailed to me in a few weeks, by XXXX XXXX, XXXX. [ When do you file YOUR taxes? ] This is causing added anxiety and stress and may affect my financial well-being. I just am recovering from a five-year repayment plan due to Wells Fargo 's inefficient accounting system, which also ruined my good standing in my community, and my excellent credit XXXX XXXX XXXX, equally important. 
My research shows that this is not unique to me, as WF has already been successfully sued for their mishandling of Ch. XXXX accounts, including punitive awards of XXXX XXXX. It does not appear that they have changed anything, and many others may be suffering from their devious and deliberately confusing accounting system. I am a XXXX in the state of Hawaii. I feel it is my obligation to reveal what I know and help others avoid undue loan problems.
XXXX XXXX XXXX {$2700.00} XX/XX/18 XXXX XXXX XXXX {$110.00} XX/XX/18 XXXX XXXX {$190.00} XX/XX/18 Never received validity of debts.
I have been a customer of BofA for 22 years and I am so mad at how they do their entries on activities in our accounts. Like on XX/XX/2017 my available balance was {$57.00}. I issued a check to XXXX XXXX XXXX for {$50.00} that was presented to the bank on the same day and is showed on my account activity only that they paid the check but made it appear that is still in process so they were able to charge me an overdraft fee of {$36.00} when I have enough to cover that check. And today when I called they were telling me that they were still waiting for a transaction for {$12.00} so they can charge me another fee. I just deposited {$70.00} this morning so I have enough to pay for this. I can see how shady the banks are. What if a customer does not have online banking and can not check their account everyday like me or they do not have a checkbook to balance their accounts. And this is why we need CFPB to help us.
I have asked every month since XX/XX/2018 via letter for proof of a {$360.00} debt with XXXX XXXX XXXX and have not received one piece of documentation yet each credit reporting agency responds as debt validated. 
I have also requested since XX/XX/2018 via letter the original signed agreement for a {$230.00} XXXX  XXXX debt that all three credit bureaus are reporting and have yet to receive it. They just send me a statement of account which doesnt prove the debt is mine. This XXXX XXXX debt is a secured credit card. Per their customer agreement online, the security deposit should be forfeited to cover the debt which makes the amount they are reporting incorrect.
XXXX XXXX has an account in my name that was not opened or used by me and was not authorized by me. I do n't even know how they can do this. I have ALWAYS had XXXX for the last 14 years. My phone number has never changed. Nothing was sent to my house as a bill. No email to inform me or I would 've notified XXXX immediately. It did n't even show up on my credit report until it was derogatory! It 's very poor business practice to allow a person to create a fradulent account and not investigate their credentials. I did not sign ANYTHING. I do n't know who did this or even how someone could possibly do this. This is not my account or bill. It should be removed immediately. It 's for {$2200.00}. It says XXXX XXXX in collections by XXXX XXXX. It was opened XX/XX/2015. Account # XXXX. I have disputed twice with XXXX and it says meets FCRA requirements! I do n't see HOW a fradulent charge can meet ANY requirements. I am extremely disappointed that XXXX XXXX could continue to charge me for this. They definitely dropped the ball on their end by not notifying me by mail, email, or my XXXX phone number of someone 's attempt at fraud involving me.
I ordered XXXX over the phone in 2016 over the phone we had agreement on a price for services but then when I receive my bill it was totally different they repeatedly wanted me to agree to new terms and agreements that we 're not in my favor I thought I was being taken advantage of over the phone they would keep trying to renegotiate a plan that was unfair I felt like they were stealing from me I cancel the service and they threatened to charge me {$340.00} disconnection fee if I did not stay with them they tried to bully me to keep their service but I disconnected it. They said part of the disconnection fee was for the equipment the XXXX XXXX on top of my house which they never came back to get also I asked him to give me the document or the recorded message stating that I agreed to a {$340.00} disconnection fee they could not show proof
On XX/XX/XXXX my collection balance of {$500.00} was paid in full. I received the confirmation number and was told any future charges would be cancelled and it would come off my credit report on the next billing cycle. It came off my report and I though I was done. On XX/XX/XXXX I was charged {$250.00} ( half of what I owed ). I spoke to XXXX the morning of the XXXX when the charge was posted to my account and he requested I email him the bank statement which I did around XXXX in the morning on the XXXX. He said he was the one who helped me in XX/XX/XXXX and that he knows the account was paid in full and that he had cancelled the payment. He then gave me the number for a woman named XXXX and said she would be taking care of it. I spoke with XXXX on Wednesday who said they would handle it. I spoke with her 3 times on Thursday and she said " they '' were still looking into it. On Friday around XXXX she said I should be getting a call for the refund, which I did not receive. On Monday morning ( today ) I called this morning and spoke with XXXX again who said that they were waiting for my balance to post on their system so they could process the refund. I requested to speak with the manager who's name was XXXX who told me the same thing and requested I reach out before XXXX if I don't hear from anyone. Around XXXX Monday afternoon I called XXXX who told me XXXX was on the phone and he would reach out before XXXX or to call soon before XXXX if I hadn't heard from him. At XXXX I contacted them again and said he was still on the phone but he would call me back as soon as he was off. I did not hear from him. I called their after hours line at XXXX Monday and they said he left already. It has been almost a week since they took the money from my account for a debt that was already paid.
My loan servicer is navient. About six months ago I paid off entirely an unsubsidized loan. Furthermore I matriculated at a university and so my subsidized loans went into deferment. Today I received communication by email for the first time since the loans went into deferment, including for some reason a notification about an unsuccessful application for autopay which I never submitted as I am still a student. Even more absurd is that when I logged into my account my unsubsidized loan had a balance and the balance on other loans had increased. As absurd as that is I was not even notified about any of this. This company 's conduct is despicable.
During the week of XXXX XXXX, PNC bank reordered deposits and withdrawals on my account to maximize overdraft fees. Deposits were not credited to my account consistent with my PNC banking agreement. This has occurred previously on the account in XXXX and XXXX an overdraft fees were refunded. When I asked for a review and refund of fees, this was denied by the company.
CRA VIOLATION NO KNOWLEDGE INACCURATE XXXX XXXX XXXX ACCOUNT # XXXX, APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
I requested my XXXX free credit reports but was able to print only XXXX, XXXX and XXXX. 
Equifax reported they could not provide it on-line and when I tried to ask for it to be mailed I could not do so. When I went back to the Equifax web site it stated I had received my free credit report on XXXX/XXXX/2015 and I did not. I would like to get my report on-line so I can print it off immediately and submit information to make corrections.
There is a derogatory reference on my credit report from Jefferson Capital System ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX at XXXX ). 

Approximately, three months ago, I disputed this adverse notice claiming I owed {$200.00} to XXXX XXXX. I contacted XXXX XXXX on the matter, and all they could tell me is that they sold the collection to Jefferson. I called Jefferson and they can not identify any outstanding claim. This is because I contested it on my credit report, and it was removed by the credit reporting agency, but now it is showing up again. I DO NOT OWE THIS MONEY. No one can tell me what this is for. I have had a XXXX XXXX account for over 10 years. I continue to pay and be in good standing, but this keeps showing up and no one can give me any information as to why it is a collection account. According to a XXXX Report, this was placed in collection on XXXX/XXXX/2015. I did n't owe this at this point. It was later updated on XX/XX/XXXX and still showing as a derogatory notice. This is adversely affecting my credit and if someone can not provide information to me about this, it should not be allowed to be reported. 

when you call XXXX, an automated notice references that the account was sold. What company would sell an outstanding account if it is only placed in collection on XXXX/XXXX/2015. This is an error and it needs to be removed immediately.
I went to the XXXX XXXX website to purchase tickets. They had an offer for a Chase XXXX XXXX card which would take {$50.00} off the ticket price in the form of a statement credit. They showed how much the net cost would be. I applied for and received the card, and purchased the ticket on XXXX/XXXX/15. When I received my statement, there was no credit. I contacted XXXX and they referred me to Chase. Please see attached e-mail confirming that I am due the credit. I filed a dispute with Chase on XXXX/XXXX/15. They have not responded except to confirm receipt. My payment is due XX/XX/XXXX and although I know I do n't have to pay the disputed amount, they can still charge me interest and fees on it. they say they may contact me by letter for more information - I think that is a stall tactic to take this beyond the date my payment is due so I will either pay the whole thing or they can charge me more.The offer was clearly a come-on designed to get me to apply for the card ; now they are refusing to honor the deal. Can anyone help?
I have had a consolidated student loan since finishing   XXXX   school in  2006, th e consolidation happened shortly thereafter.     Since finishing school, I have not earned enough money to make the payments on my loan and was steered by the loan servicer , Navient, into  deferment and forbearance options that caused my debt to skyrocket when I was eligible for other options such as income based deferment.     Had I known all of the options available to me in this process, I could have prevented nearly {$30000.00} in compounding interest to be added to my student loans over this period.     I do not know how I am going to manage paying this off ... the most recent estimate of my monthly payment is {$1000.00} in order to discharge this debt in a timely fashion.
I received notice of a hearing from the attorney for a motion to renew judgment on a very old debt. 

The attorney is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MI XXXX Phone XXXX Fax XXXX. 

I ca n't recall why this amount was owed, etc. and it was never explained to me. I knew from ten years ago that a judgment was made and unfortunately I was unable to attend the hearing because I was moving from my original address in XXXX, MI at the time. I am now living in XXXX County and the hearing is in XXXX County. I received notice from the State of Michigan that she seized my Michigan State tax return in XXXX. 

The upcoming hearing is XXXX miles away from my home residence, of which Mary Jane Elliot et. al is well aware. The notice is dated XXXX XXXX, XXXX and I did n't receive it until XXXX XXXX, XXXX, so I have n't been given adequate time to prepare a legal defense. 

They are also charging me {$960.00} in interest on a {$690.00} balance for a total of {$1600.00}. I feel this amount is ridiculous, especially since I never acknowledged this debt and the statute of limitations has run out long ago. 

I feel that ten years of having my credit report ruined and fear of the unjust actions of this firm for a false debt is more than adequate a price to pay. They have done nothing to provide proof of the debt or get my voluntary acceptance of it. This is the first I have heard from them in years. The original judgment was in XXXX. 

As Mary Jane Elliot et. al must be aware, I have limited resources to respond to her lawsuit. At the very least she should be suing me in a court near my residence not somewhere I have n't lived in a decade. 

The case number is XXXX in the XXXX District Court before the Honorable XXXX XXXX XXXX on XXXX XXXX, XXXX. 

In closing, I would like to comment about the importance of protections to safeguard the rights of consumers from the unethical actions of creditors such as Mary Jane Elliot et. al. 

Sincerely, XXXX XXXX
Received a letter dated XX/XX/2018 offering a settlement on a debt for alleged over draft fees for a closed bank account. No notice of right to dispute on front or back of the letter. In addition has falsely reported the debt to XXXX as a delinquent credit account as well as that I have disputed the debt. The statement specifically states " the consumer disputes after resolution. '' This is direct violation of the FCRA as this is NOT a credit transaction and should not be on XXXX or any other bureau. I also have NEVER issued and dispute to the bureaus or The XXXX XXXX XXXX since receiving this letter.
I was a victim of ID theft 3 times in past year and requested and submitted all the info to have a security freeze and fraud alert placed on my credit bureau accounts. Equifax sent my credit report and all my security freeze info to an address that was not even mine. So now my info is in the wrong hands again. I spoke with XXXX people from Equifax over an hour and half and they told me that it was my fault for not reporting the correct address. All of the documents submitted had my correct address. They will not provide me with a new PIN number, and I have left 2 messages with the corporate office and received no call back.
I ordered XXXX internet service, but was unhappy with the service. I canceled it within the first month. XXXX had assured me that in this case, there would be no charge for the service. After canceling, XXXX representatives repeatedly told me that there would be no balance due on the account. In XX/XX/XXXX and XX/XX/2017, received a threatening call and a letter from Diversified Consultants , Inc. attempting to collect this {$100.00} charge. I first confirmed with XXXX that this debt is not valid. On XX/XX/2017, I spoke with " XXXX '' a " billing expert '' who told me that the account would be moved to a XXXX balance and I would not hear from the debt collectors again. I responded in writing to DCI 's letter on XX/XX/2017. Today, I learned that DCI has made a negative credit report against me relating to this.
Citi Bank /Home depot credit card Charged a late fee multiple times when the due date fell on a Sunday, and the payment was received the next available business day. This is a violation of the fair and accurate credit collection act, and they have refused to correct the illegal action they have done by claiming payments can be made in stores 7 day a week. I believe Citi Bank has done this to many others, and make regular practice of being unfair and deceptive to consumers
Hello I joined XXXX last week.. Noticed a debt. ( medical ) was in collections from a XX/XX/XXXX.. XXXX Visit.. That my medical plan and company med plan had handled. This company called me for ..XX/XX/XXXX.. Had contacted XXXX .. Was told Its handled.. Here is confirmation # s bla bla bla.. Told them that they still called a couple times ... Then stopped. I figured they got the info.. This is an agency the hospital uses.. From the start.. They never called me.= The hospital.
my wife and I have been trying to get Fedloan Servicing to properly calculate out student loan payment. It is extremely difficult to work with them. Long waits on the phone, they are only open on weekdays, their website logs you out extremely fast once you login and you lose your place and/or have to navigate through their entire site again just to be logged out again. I feel like they make it extremely difficult for the consumer to get Fedloan to do their job correctly. Fedloan has always miscalculated our payments and we have to spend numerous hours trying to resolve this. We are bright, patient people but this process is confusing, slow and at times, unresponsive.