WillisBack/dataset-financial-user-claim huggingface dataset:
I was in a XXXX in XXXX of 2012. During my whole ordeal I was told multiple time by Hospital financial counselors not to mention the fact that I had active medical Insurance. Since it was a car accident the insurance companies for the parties involved would cover the cost. In the mean time I was out of work for two months so I hired a lawyer, I received multiple bills at self-pay rates from the hospitals, doctors, ambulance company and once it was all said and done the parties involved ended up not having any type of insurance. At that point my Medical insurance ended up paying a lump sum to all the companies involved and I never received any further noticed of late payments, attempts to collect, or notices of accounts being turned to collections from XXXX XXXX. Now I have a very expensive collection on my credit report due to their lack of communication.
XX/XX/18 refund of XXXX was issue never posted on my acct. Merchant show a refund of this amt
I was laid off by my employer in XXXX 2016 and filed for unemployment. In XXXX and XXXX 2016, I attempted to request a recalculation of my Income Based Repayment plan because my income had changed. Both requests were denied because I had checked the wrong checkbox on the form ; I still paid the bill amounts in full to show good faith and to remain in good standing. In XXXX when I was denied a second time I called the fedloan call center to request assistance with filling out the paperwork -- the operator at that time instead only outlined employment deferment as my sole option to remain in good standing with my student loans ; when I specifically explained that I no longer had income and needed my monthly payment recalculated, I could not get the information I needed to have my income-based repayments reconsidered. 
The 3rd attempt, filed online on XXXX XXXX, 2016, was processed on XXXX XXXX, 2016 at the central processing center. However, because my monthly payments are due on the XXXX of each month, I am still receiving requests and notifications that my XXXX payment is past due. I called the fedloan call center today to further request relief from the XXXX payment, but was told that my only options were to pay the bill or to go into forbearance. I explained to the operator that I had multiple attempts to make the request, but she bluntly explained that forbearance or full payment were my only options. 
My understanding of the income based repayment plan is that it allows for reconsideration of monthly payments based on someone 's income. My understanding is also that when someone fills out the online form ( as I did on XXXX ), the current balance is temporarily suspended until the request is processed. 
I believe that my request is being handled in an unfairly strict way. I filled out the online form before my bill was due on the XXXX, and I can also prove that I was laid off in XXXX and spent precious cash resources trying to stay current on my account even as I was requesting assistance from the operators because the paperwork was confusing to me, and therefore incorrectly filled out.
My Barclays XXXX account was closed. I was notified via a letter dated XXXX/XXXX/2016. The letter referenced the reason was " history of account usage. '' I did not, to the best of my knowledge, violate any published terms and conditions, and my account was always paid in full. While I understand Barclays may close accounts if it sees fit, I lost earned award points. In contacts with Barclays they have been unwilling to credit my account with the rewards.
None of these fit my pending report which is Case number : XXXX. Sued in XXXX XXXX Civil Court. Allegedly by XXXX South Dakota XXXX now calling themselves XXXX XXXX A. Address is still XXXX XXXX South Dakota. Original law firm was known as XXXX XXXX XXXX XXXX XXXX XXXX now known apparently as XXXX XXXX same location in XXXX Texas. I have never been notified of a name change. I have sent the original law firm a request to release my homestead from the abstract judgment that was filed in the real property records. I am attaching this as not sure I sent it originally as I forgot to print my report. As the XXXX is not detailed my homestead would be included. In Texas the homestead is exempt and I have requested a release by them as i sent a certified letter to XXXX XXXX XXXX as I believed still lawyer of record which is still unclear. You may deem me a failure to pay a debt but I fought in court against their law firm and defeated them 4 times in court. I deny the debt and I believe that the court granted it in error. I would not arbitrate as I again deny this debt. I however assert that it is an illegal practices to engage in a blatant disregard to a Texas law which identifies in the real estate codes what is admissible to seek actions for assets retrievable. Thus the financial institution with their law firm issued an Abstract Judgment as though there were no restrictions that were not within the guidelines of their reach. In my opinion this has been a long time practice of illegal actions and both parties have committed a crime. I have not committed a crime in the eyes of the law and which I deny I owe. I believe that they use intimidation, coercion, and reckless regard for the Texas Homestead Exemption to collect on legitimate or illegitimate debts via Abstract Judgments. I believe that since the statue of limitations can go on for 20 years that the crime has strong possibilities that past and future debt holders have or might pay is considerable and undeserving.
I CAN NOT believe that EQUIFAX is STILL reporting the account XXXX XXXX although I have pointed out SEVERAL inaccuracies with this account. How can Equifax verify inaccurate information as accurate? By law it is Equifaxs job to ONLY allow accurate and correct information to be entered onto my credit report. How can this account come back as verified? I disputed this account XXXX and XXXX. I am challenging this account for the third time. I am challenging this account for the following reasons : There should be no past due on a charged off/closed account yet Equifax lists a past due amount of {$530.00}. How is this accurate? 

Each bureau lists a different open date. XXXX  XX/XX/XXXXXX/XX/XXXX/Equifax XX/XX/XXXX, XXXX XX/XX/XXXX. How is this accurate? 

XXXX  lists that the last payment was made on XX/XX/XXXX yet the payment history shows that the account was paid satisfactory from XX/XX/XXXX-XX/XX/XXXX. How is that possible if the account was charged off? How is this accurate information?
I enrolled in XXXX classes in XXXX of XXXX. I completed the course XXXX XXXX. When you are are enrolled at least half time your student loan status us supposed to be in a deferment status. When I started class my payments were not due.after months of receiving late notices I contacted the lender.They said they were n't aware I was a student, that my school was n't is n't the system.they sent the documentation that needed to be filled out and signed by my instructor. I had it all completely filled out as instructed, signed, and returned. I was denied the student deferment and my account is still in a late status. I do not see how this is at a fair. I 'm already paying triple the amount for an XXXX XXXX through this lender and ca n't afford the loan as it is. I was very young when I signed for this loan, not knowing my options. I 'm XXXX now paying for the misguided XXXX old that signed a loan thinking I would make such a great living and pay this loan off in no time! The least they can do is work with you when you are furthering your education.
XX/XX/XXXX  T o  : Consumer Financial Protection Board From :    XXXX   XXXX   XXXX   CC : PayPal/ XXXX , California Attorney Generals  Office Re : FA ILURE TO PAY FOR GOODS, WITHOLDING FINANCIAL INFORMATION, FAILURE TO CLOSE ACCOUNT AND ACCOUNT UPGRADED TO LIMITED ACCOUNT WITH NO USAGE Dear CFPB : I am experiencing extreme frustration with  PayPal. I have made purchases though  XXXX , and PayPal is refusing to pay the sellers for items I have won via auctions when they hav e deducted the monies from my bank account.  <P/>  PayPal is stating that I have had a high usage of my account and are now DEMANDING a copy of my  drivers license, utility bill, bank account statements and my credit card statements. This is after having an account since   XX/XX/XXXX ,  the items are being sent to my home address and I have called them from my cell phone, the phone number they have on record since   XX/XX/XXXX  a nd they have my social security number which all makes my account verifiable.  <P/>  PayPal is bullying me by restricting my account. They will not allow me to close my account or delete my financial information. This is ridiculous. I am an unhappy consumer with this business and they are holding hostage my financial information and I want it deleted from their databases. PayPal has  been accused of having ties with  XXXX  and have been hacked  XXXX  only knows how many times. So, why on  XXXX  green earth would I give them all of my financial information when they cant even protect their own? Just unbelievable!  <P/> Due to  PayPals neglig ence I am now being harmed and have incurred damages. Sellers are filing complaints with  XXXX  and writing negative comments about me for the public to see.   PayPal is cancelling payments that were scheduled when I won auctions and the sellers are angry with me over something I have no control over.  XXXX  will be closing my account if I continue to receive these types of complaints. I have a 100 % rating with   XXXX   and that is being threatened by PayPals actions and inactions.
<P/>
I am requesting that your office conduct an industry standard investigation into these allegations and sanction PayPal as    necessary. I have read numerous complaints about the same thing and this is unacceptable.  <P/><P/> Thank you,   XXXX   XXXX   XXXX   XXXX  Enclosures : Bank Statements and  PayPal Account In fo
I purchased a car from Carvana.com and it was financed by XXXX XXXX -- now XXXX. 

Carvana never took the first $ XXXX from my account and without telling me decided to mark my car to be repossessed. ( after having paid all of my XXXX  payments for 6 months ) In addition to totally being inaccessible, they refused to accept my $ XXXX once I found this out. Never delivered my registration and reported on behalf of XXXX on my credit report that I was late on payment ( which I was definitively NOT apart of the loan for bridecrest that they falsely reported on ). XXXX  removed this after a dispute was initiated. But Carvana still intends to take my car as a repossession. I even offered to give them back the car if they agreed to not write anything further derogatory on my credit report and they have flatly ignored my offer. 

Such XXXX  and am out thousands of dollars because they refuse to accept my money.
statements, contracts I treated that this Co. Global Client Solutions LLC is a company that stole my money, and my wife with out my authorization. we were victims of unscrupulous an unethical practices. 
I spent to have a result soon looking forward for a solution to this important matter.
I opened an Best Buy Citi XXXX card in XXXX XXXX, 2016 with the understanding that I had a 0 % promotional balance for 12 months. I was keeping a balance on the card because of the promotional rate and used the card to buy a computer from Best Buy. 
A few months later I used the card at a non-Best Buy store. 
I received a bill after that which charged me interest. 
I called the company wondering about why I was being charged interest and they told me it was from the non-Best Buy purchase. 
I told them that I was never told that other purchases would end up getting an interest charge. 
I paid the other purchases off with {$700.00}. which I was told more than covered the amount. I confirmed with them that I would not be charged additional interest after that because I wanted to make sure that the next bill would not have interest on it. 
I just received the new bill and they charged interest on it. When I called Best Buy Citi Visa, they told me they could not remove the interest. I escalated it, and still nothing could be done. I asked for any surveys to give feedback, and there was none. I asked to escalate further, and there was no one. I was so frustrated with the customer service, marketing, and communication that I closed the card immediately because I could not trust it. When I closed it, it was the same person, so there were no checks and balances to allow me to give feedback. I have felt very mislead about how the card is being represented and am very concerned about the internal process surrounding Best Buy Credit Services. It appears to be to purposely misleading about the interest rate conditions and fees so that we will be forced to pay the interest if we keep the card. I will not trust Best Buy and it 's partnership with Citi after this experience. I am also very weary of any Citi cards from this point on.
XXXX XXXX XXXX continues to call me and leaves threatening voice mails. They tell me they 're looking for me but do not have my correct SS number. I tell them I 'm not the person in question and to please do not call back. 
They have ignored my requests. Is this my only recourse?
XX/XX/2013 I filled out a loan application for a {$3000.00} personal loan from XXXX XXXX XXXX. About 2 weeks later I received {$500.00}. I contacted the company and when would I get the remainder and was told " once I paid the {$500.00}. '' I was told the payments were {$40.00} dollars a month for every {$1000.00} borrowed. I paid the {$500.00} in about a month and then received the additional that I had, initially requested. Everything was fine, I was making my payments on time and, sometimes I would pay more than required. I paid the balance to less than half of the total of {$3000.00}. To this day, I do n't know what happened, I do n't understand why this debt was sold or assigned to a collections company. I was never late, I never missed a payment and was never contacted that there was any issues with my account. I did not even know that the debt had been assigned to a collections company until my credit was pulled by a car dealer. On my report with XXXX it says that I have a collections to XXXX for {$2900.00} and on my XXXX it says I owe XXXX and I only know that it 's Profit Services Group because of the name and address listed for this company. I was never notified by XXXX financial that my account was in collections nor was I ever notified by Profit Services Group that I owed them or anyone for that matter. I do not believe that that is fair to just tarnish someone 's credit without verifying with them about a debt and allowing me the opportunity to remedy the situation before they ruined my credit. I did not receive a phone call nor any piece of mail advising me that I owe Profit Services Group {$2900.00}, of which, the original creditor I had never been late with. My person who wrote the loan up for me, on behalf of XXXX informed me that several others whom he had written loans up for had been complaining about XXXX XXXX and how they had started collections efforts on a client who did not cash their check and sent the check back, as well as, people whom he said had expressed horrors of being over billed. I assure you that I am not making this up. I am not trying to bad mouth the company neither. I would like this negative entry removed off of my credit report immediately and I do n't feel that I should have to spend money to hire an attorney because a collections company is negligent with their reporting. The amount is wrong nor did I ever go into collections. If they would have contacted me before they just blatantly lied to the credit bureaus, which is another issue, How can these people destroy peoples credit. I 'm almost XXXX years old and I work hard to keep my credit record clean. Please, do not think that I 'm angry with you all, I know that you have this forum here to try and help me resolve this. It is just that every time I think of how they negatively affected my credit it disturbs me. I pray that you can help me resolve this, thank you in advance for your time and assistance with this issue.
XXXX acting on behalf of one of my investors, U.S. Bank, has violated the Fair Review Process requiring servicers to review and respond to a request for modification within 30 days. Originally I submitted a compliant because XXXX XXXX XXXX moved forward with foreclosure procedures after receiving a full file submission XX/XX/XXXX. The day after filing their response to the CFPB compliant I was decline a modification on or about XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX decided to review my case again for possible modification and requested updated documentation, which was sent on XXXX XXXX via email, which they never responded to confirm receipt of documents, which is required. At that time I was told that now I qualified to be reviewed for HAMP and that 's why they were requesting additional documentation. On or about XX/XX/XXXX I called and confirmed the documents were received and submitted to underwriting for review. On XX/XX/XXXX, I called to check the status of the review and if my foreclosure sale scheduled for XX/XX/XXXX was postponed. I was told that they would not make that decision until XX/XX/XXXX. I then called on XX/XX/XXXX and the sale was still not postponed. When I followed up on the XXXX I was told that the sale had been postponed to XX/XX/XXXX. On XX/XX/XXXX I called to follow up on the status of my review and was told my request for modification was declined on XX/XX/XXXX and a decline letter was sent out on that day. It took XXXX XXXX XXXX 40 days for them to review my request and I had to contact them to find out I was declined. Since I filed my first CFPB compliant the phone calls from my relationship manager ceased. 
For the XX/XX/XXXX decline I was told it was because I did n't meet the NPV guidelines. For the second decline I was told because I declined a HAMP modification XX/XX/XXXX. However, upon review of the HAMP guidelines, I still meet eligibility to be reviewed again for HAMP. I did not default on the HAMP Trail by completing all three required payments and HAMP mod was not completed. There is not rule against declining the modification, which would have raised my monthly payment and set my interest rate higher than my current rate after 5 years. 
XXXX XXXX XXXX has continued to lie to me, provide false and conflicting information and violated CFPB rules in regards to borrowers who are facing foreclosure. Due to this I am looking at filing a Chapter XXXX bankruptcy to save my house.
Soon after my refinance loan closed, I received a voicemail from my Wells Fargo Home Mortgage Consultant encouraging me to fill out a customer survey. In the voicemail, for the survey the consultant stated, " Anything less than a 5 we actually fail, believe it or not. So, if you say we did a great job and you give us 4 's. That 's not a passing score on our end. '' The survey ranks responses from 1 ( Not at all satisfied ) to 5 ( Extremely satisfied ). This voicemail from the consultant appears to be another symptom of Wells Fargo 's questionable business practices coupled with unreasonable expectations for employees.
I relocated to the XXXX area for work and rented a small apartment for XXXX months. The last month 's bill was not forwarded to my address which I had left with the rental agency. The debt of {$59.00} was sold to XXXX by XXXX in XX/XX/XXXX, XXXX years after I had moved out of the apartment. I was not aware of the any debt being owed to XXXX. When contacted by XXXX, I stated I was unaware of the debt, but researched it and determined I owed the amount. I agreed to pay XXXX and was told that my credit bureau would not be impacted due to the circumstances. That payment happened on XX/XX/XXXX. I have followed my credit bureau and my scores have been in the XXXX since that payment was made. My last update was on XX/XX/XXXX and my score was XXXX. On XX/XX/XXXX I applied for a mortgage and was told that my credit score had dropped to XXXX. This was due to a collection account being reported by XXXX XXXX The same account that I had paid in XX/XX/XXXX of the previous year. I had contacted the company and was told that the account had a zero balance and was being reported as paid in full, which it was, but was also showing as a collection account. What does n't make sense is that XXXX reported the account as a collection account XXXX months after it was paid in full and had not been reporting on my bureau during the months in between. They offered to send me a letter confirming a zero balance. I inquired as to why I was told by XXXX of their agents that this would not impact my credit when I paid it and was informed that it was their policy to report accurate data to the credit bureaus within 45 days of a debt being assigned to them for collection. I asked for a supervisor and was denied. After a second call, I asked for the trade line be removed and explained my entire situation again. I asked for a billing dispute team and was informed that they would look into pulling the original call to determine what was communicated to me. I attempted to call back a third time to lodge a formal dispute, but was unable to get through to an agent. I was forwarded directly to a voicemail at XXXX est. I made multiple attempts with the same result. I disputed the trade line with XXXX, will file a dispute with XXXX and attempt to contact XXXX again. I do n't see how this company can place a trade line on my bureau 7 months after I paid as agreed in full and was told that it would n't impact my credit. I am looking for XXXX to live up to the agreement we made in XX/XX/XXXX and remove this negative mark on my credit bureaus.
Hi-one of our cell phone numbers has been used by the previous owner ( XXXX XXXX-who apparently owed on uncollected debts/loans ). In XX/XX/XXXX we were given the number as part of the cell phone service ( by the cell phone provider ). 

Previously-it was XXXX hXXXX XXXX XXXX who called and called and called despite being told of the above. Now it is Portfolio Recovery https : //www.portfoliorecovery.com/ We would very much like for this to stop-they now have both our cell numbers and continue to call, day after day. We are now receiving ( on a monthly basis ) between 90-100 calls ; including jpg 's, short code texts and any other form of medium they can think of to harass people. The same approach was used by XXXX. 

I just received a call this XXXX from XXXX XX/XX/XXXX XXXX XXXX. They have called from at-least 3 or 4 other numbers identified as such on the internet XXXX XXXX XXXXXXXX? XXXX We do not owe any debts to anyone nor have we been or are we currently involved ( nor have we EVER been ) involved in ANY form of debt collection. Please make them STOP calling. 

Thank you