WillisBack/dataset-financial-user-claim huggingface dataset:
When I was reviewing my credit report I noticed a collection from XXXX XXXX company, I reached out to the credit bureaus to investigate its reporting to which it has come back verified, I then reached out to XXXX XXXX I got no response I then filed a CFPB complaint on XX/XX/18 to which I got a response saying as follows " Company 's Response Our office is in receipt of the complaint filed by Mr. XXXX XXXX. We greatly appreciate this opportunity to respond. Please be advised that the very same concerns were recently raised by Mr. XXXX in a previous CFPB complaint. As we advised previously, we can not locate the file in question with the information that has been provided to XXXX as part of the consumers complaint. We would appreciate it if Mr. XXXX could provide us with information on the specific account in question. If he could please upload to his complaint a copy of a letter with a XXXX file number and/or a copy of his credit report, we would be happy to investigate the consumers concerns further. We trust this resolves your concern. 
Now I don't have any information to provide since I don't know what this is and since they couldn't locate the file i'm unsure how the credit bureus ever did a real investigation. Like what they refer to in the XXXX Vs XXXX lawsuit.
Trying to buy a house and get a mortgage. There is a negative thing on my credit report that says I owe over 27,000 . The company that is listed on my credit report is Transworld sys inc/ XXXX XXXX XXXX . I called them to ask them about the debt. The date listed on my credit report was XX/XX/XXXX. I never took a loan from them, never got a letter from them. My last loan I took was in XXXX. The only loan to my knowledge that I owed money on was from key bank. I havent made a payment to them since XXXX. And that loan was for XXXX $ I told them in XXXX when I was having financial trouble that I cant afford the payments. They started to call my XXXX year old daughter cell phone asking for money. Im an emergency room nurse, and was calling my work everyday. I told them to stop and they kept calling and harassing me. So, I stopped paying them. I have paid off, or charged off XXXX $ in school loans since XXXX. And worked hard to get out of debt and own a house again. 
When I called this XXXX XXXX XXXX, they found me in the file but would tell me the loan I apparently took out. I asked for proof of debt, promissory note, etc. they said they didnt see any in my file, and told me they never sent me a letter of debt or settlement. My mortgage loan broker tried calling them, they said they will fax proof of debt, but never faxed them anything. Now they are refusing to talk to me or him. This might cost me this house, stress, is hurting my credit and costing me a higher interest rate. The underwriter wont go threw with the mortgage with this on my credit. Regardless, if this turns out to be from key bank or XXXX, then the last time I made a payment was 5 years ago. What I rdo ad and was told that after 3 years is the statute of limitations. Please help me, rectify this situation, cause I think they have no proof that I even had a loan. Cause if they did, they would send me it, and wont. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX
In XXXX XXXX I received a bill from CITI AADVANTAGE Platinum Select Card for what appears to be a yearly fee. I have not worked with this company to my recollection, was not aware I had this credit card, did not possess the credit card, and do not want the credit card. I called to ask them to cancel the card and they asked for a lot of personal information. Since I did not remember asking for the card in the first place, I did not want to give out personal information. They said they could not help me. I received another bill in XXXX XXXX for the same amount, and so I wrote a letter to them asking them to cancel the card and close the account. They responded to my letter by saying that I was responsible for the card. I then received letters from them that my account may be compromised. 

I just want them to cancel my card and leave me alone.
The bank decided to cancel my debit card without notifying me. I just had XXXX 5 days ago and my father has been helping me out by going to the super market and purchasing food for my XXXX children. Yesterday XXXX/XXXX/14 he went to the store and my card was decline. I checked my account and had enough funds to purchase our diner. I called customer service and was told that my debit card was cancel because if was good for 3 weeks until I received my new cars. Well I never received a new card and my old XXXX was cancel. The associate said it would take XXXX-8 days to receive the new card, I asked if they could Rush my card and the associate places me on hold to ask her manager and was advise that they could not rush my card because they do n't have the ability. I ask to speak to the manager and the associate gave me so much push back. She finally transfer me to XXXX XXXX XXXX, and he again asked me to go to the branch after I told him I could n't walk because I just had XXXX. I have been descriminated numerous times by Wells Fargo Bank because of the type of account I have. If I would have been told that having an opportunity account meant that I would be charge fees when ever they felt like it or reject my request to cash a 16 dollar check I would had never open this acxount. It 's so unfair that I have to wait 8 days to spend my money because the bank could n't Rush my new debit card. I want a formal apology and a reason why they could n't Rush my debit card. Why do I get discriminated so much? I am hurt and feel horrible by all the abuse I have accounted by Wells Fargo. This bank should not be allowed to discriminated customers based on their account type! Wether I am poor or rich I have the right to be treated fair.
CREDIT PROTECTION ASSOCIATION IS TRYING TO COLLECT $XXXX FOR UN-RETURNED CABLE EQUIPMENT TO BROADBAND CABLE.THE EQUIPMENT WAS RETURNED VIA CERTIFIED MAIL AND I HAVE THE RECEIPT. IN XX/XX/XXXX CREDIT PROTECTION ASSOCIATION COULD NOT VALIDATE THIS DEBT AND WAS REMOVED FROM MY CREDIT REPORT. IT HAS SINCE POPULATED AGAIN. I NEED THIS DEBT CLOSED AND REMOVED FROM MY CREDIT REPORT ASAP.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/XXXX Approached by a debt collector in Nebraska about a bill, requested validation none sent. Reached out to XXXX XXXX XXXX to settle any old debts in good faith, paid all and was assured I had no more obligations to them. 


XX/XX/XXXX XXXX XXXX XXXX sent an account I do not owe to a debt collector who is now trying to force me to pay the debt. I have asked for validation from the debt collector which has not transpired according the Fair Credit Act. Amount is approximately {$1300.00} for a supposed bill from over 3 years ago Attached copies of accounts I settled, and validation letters I sent
I have a tax lien from many years ago showing on my credit report that lien was an audit from IRS as soon as I was told about the audit I paid in a payment plan and eventually paid off the owed taxes this has been satisfied and should be deleted. 

I have XXXX liens on my report XXXX listed as prince XXXX county and the other as XXXX county both were satisfied XXXX satisfied through wage garnishment ( was n't a valid debt but it went to court unbeknownst to me ) in any event both have been paid to get it resolved off of my report please deleted these old satisfied liens and stop listing them as current
My name is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX. 
In XXXX, I purchased a XXXX XXXX XXXX, which was financed by Exeter Finance for {$23000.00}, at a Monthly payment of {$550.00} for 72 months. Even, though I thought the payments were high, I was diligent with my car payments. 
Recently, Exeter communicated with me to inform that, I still owed a principal amount of {$7000.00}, which needs to be to be paid within the next 80 days. My immediate response, How much have I paid so far? 
Exeter responded by telling me that I have paid {$41000.00} to date and insisted that I pay an additional lump sum of {$7000.00} to relinquish my debt. On XX/XX/XXXX, I requested a summary of my Payment History, Sales Contract, and Loan agreement for review. Exeter has promised to send/email, but has not sent the materials in 3.5weeks. 
I feel that Exeter is not only practicing unfair debt collection, their policies are indiscriminate, and their behavior is obtrusive with constant phone calls XXXX am each morning prior to me going to work. 
I am convenience that I have paid off my car, and are no longer obliged to make any further payments. Exeters address is XXXX. XXXX XXXX, XXXX, Texas XXXX, ( XXXX ) XXXX, email address : customerservice@exeterfinance.com.

Please provide me with immediate assistance. 
Sincerely, XXXX XXXX ( XXXX ) XXXX ( m ) ( XXXX ) XXXX ( w )
Company continues to report incorrect and incomplete information despite multiple notifications of error. Company lists account as a charge-off, closed by credit grantor, with a balance owed, although debt was discharged via bankruptcy in XXXX 2014. Have contacted Consumer Reporting Agencies following instructions on their websites, XXXX via certified mail, and supplied supporting documentation. Also contacted this creditor directly via certified mail. 

Requesting company to immediately report account correctly as discharged in bankruptcy, with no balance due, and recall monthly reports of charge-off for the period spanning XXXX 2014 to XX/XX/XXXX.
I obtained a HAMP modification on my XXXX mortgage. I submitted a loan modification request on the junior lien Green Tree Servicing holds on my property and we requested it be evaluated under 2MP. Afterward, I spoke to XXXX, a Green Tree representative on XXXX XXXX, 2015 to discuss status of a modification application I submitted. According to the representative, while she admitted I was eligible for 2MP, I was denied loan modification. 
The loan servicer participates in 2MP, a federal program, and my loan is eligible for modification pursuant to Federal guidelines. Green Tree refuses to participate in good faith in this program. I am living proof..
We were turned down for a loan by Ally Bank for an RV. 
Our credit score was over 800, we own our home, and never missed a payment. 
I suspect age discrimination. We are retired. 

Another lender approved our loan.
I have on two occasions asked for the company to validate the debt in question and to prove that they have a right to collect the debt. In response, they have sent only screen shots of an old account from someone they claim to be the original creditor.
On XX/XX/2018 it was brought to my attention that there was accounts for credit cards from capital one and XXXX XXXX with all my information Accounts I couldn't even access cause I didn't know anything about it. Someone had use my identity to open these accounts and was making charges with these credit cards.
XXXX  is listing a XXXX XXXX credit card ending in XXXX on my credit report, from XXXX XXXX. This is wrong and should be deleted. I never authorized this account and I already had a XXXX XXXX card that was opened on XX/XX/2012. 
This is a duplicate listing and under the terms of the FCRA, ( Fair Credit Reporting Act ),  incorrect information must be deleted.
CountryWide stole my home from me, which had been paid for XXXX times over, first by my signature on the Promissory Note, then on the refi promissory Note & from my personal check which CountryWide monitized. Also I signed forms that were not fully disclosed to me. I did not know that by signing the forms, I gave the property back to CountryWide & agreed to pay them about {$900.00} a month for 30 years.
XX/XX/2012 I was going to attend XXXX XXXX College. A little XXXX school. I withdrew before starting and loans were still disbursed to this scam school. For the past 6 years I have been trying to get it discharged like the ombudsman said to do but XXXX XXXX XXXX keeps denying and won't tell me why.
I set up Bill Pay with SunTrust Bank. On XXXX I tried canceling the bill pay before XXXX. It would not let me cancel. As a result my account over drafted and I was changed multiple overdrafts. Right now the fees total around XXXX. I am requesting a refund of part of the fees.
I had a mortgage with Green Tree and now I see it 's Ditech. I would get calls saying the mortgage was n't paid or was behind so I figured the ex wife forgot and paid it. This went m for yes. For some reason it seem like they were always saying it was behind. I seem to see money being taken out by Green Tree and never gave them authorization to. One day after my device I got a call from them say my ex wife was 6 months behind so end up paymg the whole 6 month. At the end of 2012 I got something from them saying they were forclousung on me and it was n't behind. I got so sick of them I so go head. I had a manufactured home. The came and repo it, sold it and never removed the money from the total. Now they are say I owe them XXXX. That is not true. For all the year of double charging me and selling it they should be a XXXX balance.
Hello, I lived almost all my life outside of the XXXX in XXXX I just came last XXXX here. I tried today to get my free credit report since I got a credit card last month. They asked me about a credit that I took in XX/XX/XXXX, and a retail card I took in XX/XX/XXXX I do n't remember any of this transactions.
Wells Fargo had taken the payments I made using their online Bill Payment system and duplicated the payments. When I viewed my account it now showed me as overdrawn because their system showed double the money taken out due to the duplication. The bank did not advise me this was occurring. I did not find out until I went to pay for my dinner and the waitress advised my card has been declined. 

I called into Wells Fargo and had to spend two hours on hold for them to advise me they had a " Glitch '' and it would correct itself by XXXX. 

I was financially harmed as I had to charge my dinner onto a credit card ( paying interest ) to cover my dinner. Money that should have been available to me for use.
i have a mortgage with citizens bank for my home for a small amount, maybe 10-15 % of its market value. i have had this mortgage since 2012 and make my payments in a timely manner. i opted to pay my own taxes and have been doing that, but possibly twice i underpaid or was late in a tax payment and citizens bank insisted that they needed to set up an escrow account. These events were unusual for me, coinciding with a trip abroad and then an emergency in the family and i rectified them as soon as i was aware. As i have been paying taxes, they have paid overlapping payments, requiring refunds which seem to be sent to them, or payments forward. The escrow account that they have set up demands an amount for escrow that is outrageous, resulting in approximately a 50 % overage by the end of a tax year. i have tried to call the person at citizens bank who manages my account but she is " away from her desk or on another call '' EVERY time that i call and never returns a phone call despite my messages. customer service keeps referring me to her and assures me that they have contacted her department and that i should expect a call back. 
i want to pay my own taxes. i also want citizens to be put on notice that they are not allowed to charge excessive amounts to any of their clients and that customer service should include answering phone calls!
This is the 4th Collection agency to attempt to collect. Please refer to my original complaint submitted on XX/XX/18, CFPB number XXXX. My dispute this time is with Convergent who is attempting to collect this debt of {$260.00} As with the other collection agencies of XXXX, this debt was never verified. This has to stop. I am attaching the paper work from my original complaint and the lastest collection effect.
Imagine going to a store with a {$20.00} bill and a credit card in your wallet. Your total comes to {$16.00} and you give the cashier your credit card, because the purchase is a business purchase and your credit card is a business card. Instead, the cashier notices you have {$20.00} in your wallet and yanks the {$20.00} from your wallet to complete the purchase. 

This is what PayPal has become. At best, it is deceptive ; at worst, it is theft. 

I am a PayPal customer since XX/XX/XXXX. I have always enjoyed using PayPal to select which payment method I want to use at various online retailers. However, on XX/XX/XXXX, I purchased a ticket for {$16.00} with XXXX  XXXX and used PayPal to complete the transaction. The transaction ID was XXXX. PayPal asked how I would like to pay for the transaction, and I chose my XXXX XXXX card ending in XXXX ( see attached screenshot ). This is also my default card, or " preferred way to pay '', as PayPal puts it ( see attached screenshot ). However, after selecting this card, PayPal ignored the payment method indicated at checkout and instead deducted the {$16.00} from my PayPal balance, because at the time of the transaction, I had funds in my PayPal balance that had not yet been transferred to my XXXX checking account. 

PayPal 's customer service confirmed that in the event there are funds in your XXXX balance, any credit cards selected at check out will be ignored, and your XXXX balance will be used, even if the credit card is selected as your default payment method. 

There are many reasons why a consumer may wish to place a purchase on a specific credit card, rather than using cash ( or PayPal funds, which is the equivalent of cash ), including, but not limited to : 1 ) the transaction may be a business purchase, and must be placed on a business card ; 2 ) the credit card selected by the consumer at checkout may offer specific rewards for the purchase ; 3 ) the consumer may need to save the PayPal funds ( the equivalent of cash ) in order to pay for goods or services that do not accept credit card as a method of payment, such as rent, mortgage, etc. ; 4 ) the credit card  selected may offer purchase or travel protections that are not offered by PayPal. 

A dispute filed with PayPal regarding this transaction ( namely, dispute ID number XXXX ) was denied because my dispute is not with the merchant ( XXXX  XXXX ) but rather with PayPal itself. 

It is unacceptable, deceptive, and borderline theft for PayPal to withdraw funds from my account when I have indicated that a particular purchase is to be charged to a particular credit card. 

PayPal is making online purchases more difficult than they need to be. The front page of PayPal.com advertises ( see attached screenshot ) that " With PayPal, you can pay your way '' and " Add credit, debit, and bank accounts to your digit wallet and take your pick at check out. '' These statements are false, as evidenced by my situation described above.
I Received my credit report showing a inquiry from Exeter Fin on XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law..
This complaint is related to complaint XXXX. In that complaint, XXXX/PHEAA   inappropriately switched my loan payment amount from the REPAYE amount to the standard repayment amount 2 months early for most of my loan sequences. My loans should have all updated ( based on my new income verification ) in XX/XX/XXXX but instead most of them were switched to the standard repayment amount in XXXX resulting in a > {$1000.00} increase in the payment amount they were requesting. After filing the complaint, XXXX/PHEAA has halfway admitted there mistake and has agreed to allow me to make the correct payments for the months of XXXX and XXXX and have them applied retroactively to those months. However, as part of their proposal they are requiring me to submit an updated PSLF employment certification form to get the payment amounts corrected. For this complaint, I would like to know who has given XXXX/PHEAA  the authority to impose additional regulations on borrowers for them to receive the correct payment amount under income-driven repayment plans as outlined by the federal government. My loans are all under the REPAYE plan and as such my repayment amount is based on my discretionary income as calculated using my adjusted gross income and family size and updated at least annually ( or more frequently if requested by the borrower ). Nowhere in the federal statutes governing this program does it state that receiving the REPAYE amount is based on being employed by an eligible employer and nowhere does it state that completion of a ECF is required. Furthermore, even for borrowers doing PSLF, the payments do not have to be consecutive and so even for borrowers who do intend to do PSLF they do not have to continuously be employed by eligible employers to remain in the program or to have their loans serviced by XXXX/PHEAA. Regardless of whether a borrower is currently employed by an eligible employer, the REPAYE amount is a fixed amount determined completely separate from the borrowers employment status at an eligible employer. Thus, it is readily apparent that the requirement to submit a current ECF form that covers the 2 months when XXXX/PHEAA messed up my payments is a ) beyond the scope of the authority of XXXXPHEAA and b ) is a purposeful attempt to cause borrowers to pay more in student loans than they are legally required. 

As an updated, I submitted my ECF yesterday for my current employer. This ECF covers from XX/XX/XXXX to XX/XX/XXXX. I have also made the 2 additional payments of {$330.00} ( one on XX/XX/XXXX and XXXX on XX/XX/XXXX ) as requested by XXXX/PHEAA to cover the XXXX and XX/XX/XXXX payments that were messed up. All of this was done within 2 months of XX/XX/XXXX. This should satisfy the criteria XXXX/PHEAA imposed on me in order to override the XXXX and XX/XX/XXXX payments.
Filed complaint in XXXX of 2015. original company told AFNI to stop collection. After checking my credit report they have continued collection.
I transferred the entire balance of my student loan from XXXX XXXX to another loan provider with lower interest rates. The amount transferred at the time was what showed from XXXX XXXX as the entire balance. Several weeks later I received a message from XXXX indicating that I had a past due payment. When I looked at my account history, I saw that interest was applied AFTER I transferred what I thought was the entire balance ( Largest balance shown in the account ). I thought it was deceptive that XXXX did not readily show the entire balance so that I could find out exactly how much I owed. I now have a late fee applied to my account as well as another payment that I did not anticipate.
We sold our home in XXXX 2016. Painting on the outside was required. On XXXX XXXX, 2016 the painter completed the work. The lender was advised and they were to send an appraiser out to check the work. Several emails and phone calls later, an appraiser has still not checked the work. The painter has n't been paid and the remainder of our escrow funds have not been released.
This collection agency under reference number XXXX is attempting to collect on a debt that is not valid. Was not happy with the merchandise, it was returned. XXXX tracking proof shows that merchandise has been returned.