WillisBack/dataset-financial-user-claim huggingface dataset:
I accepted a short term offer around XXXX to use my existing Visa card, with a balance of only XXXX dollars, up through XXXX time with no interest charges for six months. I charged XXXX during the period. Then I made quadruple the minimum monthly payment until I paid the balance off last month. They did n't charge me interest labeled as interest per se : they charged me a {$1.00} FEE per month labeled " minimum interest charge ''. In my dictionary " no interest '' means no fees, by any name, for the use of money.
In   XXXX   XXXX     I received a letter from  XXXX   XXXX  stating they were collecting on my  JCP credit c ard account with balance due of {$640.00}. I responded back that had an active and current account with  JCP and perhaps there was fraudulent activity. The response back demonstrated that JCP was sending bills to a ve ry old address in another state even though they had my correct address on my active account. I often shop without my physical card and it is possible the cashier charged my purchase to an old account that apparently was still open. I responded that while I could not definitely dispute the purchase, I did not feel is was fair to pay fees and charges for past due billing that was never properly sent to me. I offered to settle for the amount of the purchase and requested that my credit history be corrected since I was never given a fair opportunity to make payments. In   XXXX   XXXX     I received a letter from  XXXX  saying they were no longer pursuing collections. I have not received any further communication and assumed JCP was not interested in receiving a settled amount and that my credit history was corrected as requested. I recently found that  JCP  still reported me as a Charge-Off and I have   XXXX  d elinquent payments reported. This is impacting my  Credit Score  and my opportunity to obtain a  Home Equity Loan . I do not know how or why I have  XXXX  account with  JCP but  this seems unfair to me. I confirmed with Synchrony Bank they received my dispute last year and they never completed an investigation.  I hope CFPB may be able to i ntervene on my behalf.
I have XXXX credit cards with Bank of America. I experienced financial hardship over the course of 2 years. I called multiple times to request help and they would not assist me and said nothing could be done. I finally spoke with someone ( in XX/XX/XXXX ) who said XXXX ( XXXX ) could help and provide the phone number to get things started. I set up an account with XXXX and they sent the proposal to BOA. BOA denied the proposal but did not tell me why for weeks. I finally found out it was because I had XXXX credit cards small balances and BOA demanded I included those in the proposal. I paid then off. XXXX was told XXXX tried to contact them and BOA did not get in contact with them. XXXX again tried to get in contact with BOA who stated I had additional things on my credit report and that is why they were denying me. XXXX and I pulled my credit report and there was nothing additional on there. Since XX/XX/XXXX, BOA is charging me late fees and over the limit fees and not working with XXXX after directing me to them. BOA continues to come up with excuses as to why they will not accept the proposals but either not sharing this information in a timely manner with XXXX or making up things that are not true such as the additional things on my credit report. I wrote their customer relations department early XX/XX/2017 and have not heard back from them. 
When I call in and speak to their employees no one has answers for me and it takes days for supervisors to call me back and let me know what is going on. They tell me wrong information such as they do not take outstanding medical bills into account and then say that the XXXX medical bill I have in collections does count in their decision. I feel like they are purposely not working with me in an effort to collect more money from me.
I have a HELOC with Bank of America. It was originally written by Countrywide and sold some years ago to BOA. I have a BOA checking account used exclusively to autodraft my monthly interest payments to the BOA payment center for this loan. 

I just learned today that the autodrafts were stopped and my loan is in foreclosure. No one at the branch bank could explain this. They put me on the phone with BOA mortgage, which then sent me to the foreclosure department, where was told that a Reinstatement Letter was being faxed with my amount due on it, and that i would have it in 1-2 hours, and then could obtain a cashiers check from the my BOA branch, which they could overnight. After that I would have to call and write several other people to get my credit reinstated and the attorney fees and late fees returned to me. This took 90 minutes on the phone while in my branch office The fax number I gave was my branch managers number. 

When I returned, I was told no one received a fax. I had to call the Foreclosure department again, who this time told me it was impossible to get an amount to pay them for three days. 

The underlying facts are : I have the money in my BOA account. I never stopped the autodrafts. No one at BOA can explain how they stopped - not even their technical support division. No one at BOA will ALLOW me to pay them. And, they have found a way to add unknown late fees and attorney costs - while destoying my creditworthiness to all - without my knowledge and while I was enrolled in their system to make all payments promptly. 

ALL of my recurring payments - XXXX mortgages, utility bills and alarm monitoring at XXXX properties in XXXX states, etc. are handled using automatic drafting because I travel for months at a time and am not present to make payments or to receive mail. BOA has designed a system in which its customers are put at great risk.
three months ago i contacted  Lexis Nexis Clue  report and filed a dispute with them as to the inaccuracy of the information they supply to insurance companies is causing me not to get affordable insurance. It seems that they are reporting accidents that should not be on my report since it was founded that i was not at fault. these accidents was 1 flooding of my car and 2 vehicles that were not mine but my son 's ( registered in his name } within a  three  month period were totaled while parked in a parking lot over night. this inaccurate reporting is causing me to pay higher rates of insurance. I am accurately being cancelled auto insurance because of this report. And if they are reporting this on mine and my son 's report then they are double dipping two of these accidents should only be on my son 's report and not mine.
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : ONEMAIN XXXX XXXX XXXX XXXX, IN XXXX XXXX Those dates are : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX
I leased XXXX Nissans on XXXX/XXXX/16. We then went back on XXXX/XXXX/16 with my daughter who purchased the XXXX Nissan. Was told at the time of getting the lease, the payment would be due in XXXX. In XXXX, I got the bill for XXXX of the leased vehicles and the purchased vehicle. I called inquiring about the other leased vehicle. Was told at that time, nothing had been received for financing from the dealership. I was told they would remove any late fees if they were charged. I called the dealer twice about the paperwork. Never got a call back. Then on XXXX XXXX, I got the bill for the leased vehicle with a due date of XXXX XXXX ( bill came 2 days after due date ). There were late fees assessed. I called and was told they would remove the late fees, but I needed to pay for XXXX and XXXX. I was also told I was reported the credit bureau for XXXX because I did n't pay. I did n't pay because they did n't even have the info in for XXXX from the dealership! They said they would remove the credit bureau hit on XXXX. I sent the payment for XXXX and XXXX on XXXX ( day I got the very first bill ). I inquired because at that time, the bill did n't even get to me until 2 days AFTER XXXX payment. other XXXX cars have been fine, just this XXXX car. The other XXXX I paid in XXXX no issues, and was not late. On XXXX XXXX, I get yet ANOTHER call about late payments. I had just called on 5 days earlier and was assured they were taking care of this issue! I 've been telling Nissan since XXXX I owed them money. Yes, I told THEM I owed them. But now, I 'm getting late charges and being harassed about payments. The paperwork was late from the dealership. This was not an error on my part.
I currently have a " flex loan '' with advanced financial based in XXXX, TN, I am currently in the XXXX XXXX and have been for 7 years. I have called and emailed the company asking them to reduce my APR to 36 %. They have failed to do so. My loan was for XXXX and currently with all the fees they want me to pay back over XXXX they are trapping me in debt. How am I supposed to pay this back when they prey on me. This company needs to be investigated for fraud and abuse. Please Help
I recently looked at my credit reports and noticed that this GMAC MORTGAGE reported 30,60,90, 120 day lates on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
I just signed up for a PayPal Account in XXXX 2015 and used it for about 3 months then i got a email that my account was on hold. I called in and they informed me that i have XXXX other accounts that have negative balances XXXX over {$6000.00} and the other almost {$3000.00}. I am a victim of identity theft previously so i informed them of this and they told me to fax the information in. So i called FTC to get the affidavit sent to me with the pay pal accounts added to the list of accounts opened without my knowledge. I sent the information to papal and got denied XXXX times and appealing. I was told pay pal was over the federal government and that i am being held responsible for both accounts and that they are going to keep my money its almost {$700.00} in my pay pal account its messed me up and is putting all of my bills behind.
Portfolio recovery calls all the time I have no debt other than a student loan which is taken care of via XXXX. They called on XXXX XXXX never leave a message and I am ill as is my mother these calls are disruptive and they threaten legal action that day if you dot call back.
In  XX/XX/XXXX , we began the process of obtaining a loan modification for the mortgage on our home through Citimortgage. On  XX/XX/XXXX , they emailed a copy of the loan modification agreement that listed the unpaid principle of our existing loan as approximately {$90000.00}. The documentation also listed the new amount of the loan modification as approximately {$92000.00}. When I asked why there was a difference in the unpaid principle amount of our current loan and the modification amount of the new loan, I was given several different and contradictory answers verbally and no answers in writing. When I asked the person declared as our " single point of contact '' for the modification process to put in writing the reason that the loan amounts were different, she outright refused saying that she could tell me over the phone, but was unable to put those same statements in writing. I asked to speak to her manager and left more than one voicemail that have not been returned. I have had several conversations over the last month and they have all ended similarly. We have been working to get this loan modification for over a year an d Citimortgage is threatening that if we do n't complete the documents as they are quickly, we may lose  the opportunity for the offered loan modification, which could potentially risk foreclosure on our home. I view their tactics as adding an additional {$2500.00} in fees to our mortgage with absolutely no disclosure or notification of what the fees are related to and they are using the fear of foreclosure to push this through. I have asked for documentation about the additional {$2500.00} in loan principle many times and have been told there is nothing else that can be done for me. I am hoping the CFPB will be able to assist in getting me answers.
I became behind in my home equity payments due to an emergency health care issue with my husband. On XXXX/XXXX/14 he had emergency XXXX XXXX XXXX. He was the only one working in our household at that time and he did not have temporary XXXX from his workplace, therefore we had no income. I got a job in XX/XX/XXXX making {$350.00} a month, while continuing to look for employment. All our bills subsequently were late due to lack of income. I applied for assistance from the State and our Church, but was denied monetary assistance. I contacted every creditor to let them know our situation. 

I tried to get help for a loan modification and by the time the department finally got back with me, I had a full time job and my husband went back to work. This process took 3 1/2 months. 

I have been working hard to catch up on all the past due bills now that my husband and I are back to work. I have been making payments on every payday to catch up. PNC continually calls me three to 4 times daily on my cell phone. I am not allowed to accept calls at work. They also call my husband while he is at work, and he is not allowed to accept calls. They never leave a message, but call three to four times daily, even though I have explained the circumstances to multiple callers several times and have made weekly payments in an attempt to catch up with the bill. We have over XXXX in medical bills due to this circumstance, so we are trying our best to pay everyone. PLEASE HELP!
Navient has been contacting and leaving messages with friends who are not listed on the account and do not have anything to do with the account. They have my current information and I have spoken with them on numerous occasions. I know that it is in violation for them to call a third party more than once and leave a messages for/to the third party.
My PIN was the same as my gate code at my home, which is how someone figured it out. Someone came into my house while I wasnt home and stole my computers, wallet, and phone, which was how they were able to sign in and out of my account. My computer and phone have since been recovered but not my wallet. 
XXXX Transactions : -XX/XX/2018 - Payment to XXXX XXXX MA, XXXX XXXX XXXX, XXXX , FL , US - $  XXXX -XX/XX/2018 - Authorization to XXXX XXXX, XXXX XXXX, XXXX LA, FL , US - $ XXXX -XX/XX/2018 - Debit card ATM withdrawal XXXX - {$280.00} -XX/XX/2018 - Debit card ATM withdrawal XXXX - {$300.00} -XX/XX/2018- Debit card ATM withdrawal {$300.00} __________________________________________________________________ Paypal denied  my claim for a refund to due the following : Once the funds were in the account, the PayPal Debit MasterCard and the Personal Identification Number ( PIN ) were used to access the funds. This indicates the card user had knowledge of funds entering the account, as well as personal information needed to access the money. Finally, there appears to be consistent login activity in the account while the disputed activity took place. Despite this consistent account activity, PayPal was not notified of potential compromised card use until the present. This indicates the account holder had knowledge of the spending activity on the PayPal Debit MasterCard and authorized its use. Based on the reasons stated above, we have concluded the disputed activity to be valid. As such, we have decided to close our investigation.
They off set my income tax on a loan I never recieved for {$5000.00} on a {$6000.00} loan. They sent the money back to the school and sent the loan money back to the school 3 months later. They never informed me they were charging me for that loan and I ended up owing {$2000.00} to them for that loan but have no record of who the loan was transferred to in XXXX and why there is a balance owed.
I review my credit report and I notice two hard inquiries that are fraudulent, please remove these two fraudulent hard inquiries from my credit report. XXXX XXXX/XXXX XXXX XX/XX/2018 and XXXX/XXXX XXXX XX/XX/2018
I am in XXXX this is the reason why my loans was paid-off or clear by the department of Social Security on XX/XX/2018. I was checking my credit report to see that reflected, since the Social Security department notify me about that, then it supposed to be clear by then right but for some reason the same day it was closes the same day they reopen or duplicate the same loans. I contact the Social Security and they told me to try to call this company " XXXX '', but I was not able to open my account with them since I do not have any loan. I called them and they said they do not have idea. My credit score shows I still owe them when obviously I am not. It is not fear they are try to charge me again just to get more money.
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : Ally Fincial Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX and XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.
I have no knowledge of said debt, other than XXXX, and I would like it removed as it 's reporting to the CB and negatively affecting me.
On XX/XX/XXXX I responded to an ad selling XXXX XXXX tickets. I exchanged a few texts with the seller to make sure he was legitimate ( poor judgement call on my part ). He gave me his name, email, and sent me a photo of himself holding his driver 's license. We talked on the phone and he asked me to send him a payment of {$400.00} via Chase QuickPay XXXX, and then he would electronically transfer the tickets to me via XXXX. As soon as I sent the payment, the seller started acting suspicious and was not transferring the tickets right away ( we were still on the phone ). I went straight to my online Chase account to cancel the payment before the seller could accept it. The Chase website would not load correctly and I got an error message saying " This part of our website is not available right now. '' I tried multiple times to login but by the time I was finally able to get into my Chase QuickPay account, the seller had accepted the payment and then hung up the phone. Of course, the tickets never arrived and I was scammed. I tried calling him back but he blocked my phone number.

I immediately called Chase and was transferred to the claims department, and I told them my situation. In my bank statement, the transaction still showed as " pending, '' so I believed there was still time to stop the payment from completing. They said they will open up a claim and get back to me with a decision in a few days, but more or less told me that since I sent the payment and the seller accepted it, there was not much they could do. I then ran into a local Chase bank branch and told them what happened again. The branch manager called the claims department and essentially told me the same message. This all happened within 1.5 hours of getting off the phone with the scammer. One XX/XX/XXXX, I was told by Chase that my claim was deemed invalid.

I understand I made a poor judgement error. But I could've canceled the payment if the Chase website were working correctly, and I also believe Chase should have protections against this kind of fraud. I am now short {$400.00} and I just want my money back.
This debt just showed up on my credit report today. 
It was first reported by XXXX XXXX XXXX XXXX Now it is in the hands of Caine-wiener. 
The amount is for {$500.00} and from what I understand this is an online betting debt and that is something that i have never done. 
I dont know how to work a computer.
I recently received a fraudulent collection letter from a " legitimate '' collection agency, Convergent Outsourcing, that is a running a scam and stealing money and identities. They claim that XXXX XXXX XXXX submitted a collection to them and are requesting my personal information and that I pay the balance. No balance exists with XXXX XXXX XXXX. I researched this company and found that they have been running similar scams, stealing people 's money using fake claims, stealing identities, and effecting people 's credit ratings. They are running a fraudulent scam and trying to extort money which is not owed by threatening to negatively impact my credit.
Date XX/XX/XXXXRE: Providing debtor with false information and theft of debtors money.Freedom Mortgage CorporationXXXX XXXX XXXXXXXX, IN XXXXAccount Number Dear Sir or Ma'am:On XX/XX/XXXX, I sent you a letter disputing the debt and requested that you validate the amount owed in accord with the Fair Debt Collections Practices Act and the Rosenthal Fair Debt Collections Act.Your response letter dated XX/XX/XXXX (attached) failed to validate the debt. You claim I owe XXXX, yet your own records fail to prove that.  Reporting a false amount is a violation of  15 USC 1692e(807)(2)(A), The false representation of, the character, amount or legal status of any debt.For a detailed report go to XXXXOn XX/XX/XXXX, you received another money order from me in the amount of $XXXX, yet you listed it in my account as $XXXX dollars. Another clear and unmistakable violation of 15 USC 1692e et seq. You are stealing my money.For a detailed report go to XXXXI herein continue my dispute of the reported amount I allegedly owe and request you properly validate the debt by furnishing me with all relevant and required documentation. Based on your owe records I owe $XXXX less any minor fees, which will be mailed out to you by priority mail. All monies received from me by Freedom Mortgage has been in the form of certified funds;Specifically; United States Postal Money OrdersBased on your own records (attached), you are attempting to collect additional monies that are not authorized by the agreement that created the debt.Specifically; $XXXXPer your own records;1. XX/XX/XXXX, was paid in full on XX/XX/XXXX.2. On XX/XX/XXXX, you show a disbursement of $XXXX and XXXX respectively, That was the $XXXX you received from the creditor, XXXX XXXX wherein I had mistakenly sent it to them. The $XXXX listed on the account was also forwarded by XXXX XXXX to you. I have emails from XXXX XXXX confirming this.On XX/XX/XXXX you received a payment from me in the amount of $XXXX and another payment from me in the amount of $XXXX on XX/XX/XXXX, despite your attempt to show it as only $XXXX dollars.$XXXX+$XXXX+$XXXX+$XXXX = $XXXXAs my XX/XX/XXXX payment was for $XXXX the XX/XX/XXXX payment was paid leaving a balance of $XXXX to be applied toward XX/XX/XXXX payment.That leaves $XXXX owed for XX/XX/XXXX. Which means, to clear out XX/XX/XXXX and XX/XX/XXXX payments, I need to send you $XXXX less any minor fees.The above referenced amount due (XXXX) less any minor fees was mail to you via priority mail on Friday XX/XX/XXXX. You should get it by Monday XX/XX/XXXX, so no penalty can be attached to XXXX payment.