WillisBack/dataset-financial-user-claim huggingface dataset:
I created a Paypal account a while back. I was using the traditional debit function only for a long time and it worked fine. During XXXX of my purchases in XXXX, after I logged into my account on the payment page, Paypal defaulted my payment option to Paypal Credit, which is a credit option they offer. In order to get around this default, assuming I noticed it, I would have had to know to go up to the top and select the " Change '' link next to " Payment methods '' in order to pay the traditional way. After that, a customer service rep. insisted that I had to have filled out information that set up my credit account ; however, I am very skeptical of this. I do not remember doing this, and I know that I would have stopped what I was doing had I known what I was doing. I asked if this rep. could prove in any way that I set up this account and he could n't. He also insisted that I marked that I wanted to pay with credit ; however, I had to explain to him that it was the default option. I went back and simulated another purchase. I did not have to make such selection ; it was the default method. When I started receiving statements, I looked on my activity page and saw that all transactions were completed. I just assumed that these were statements informing me of my activity. I saw no indication of an outstanding balance in my activity. Only when I got a paper statement, opened it up, and saw the amount due with a very expensive late fee did I realize that something was wrong. I am not sure if this practice is illegal, but it is certainly unconscionable.
This collection agency is reporting on my credit report. However, I dispute the validity of this debt. I do n't have a contract with a collection agency and did not owe them anything. Due to HIPPA regulations, I did not provide any of my doctors to share any of my information with a collection agency.
What Wells Fargo done is not right. I was told last week my refund from My escrow account would be {$570.00} when I received the check it was $ {$41.00}. What I do n't understand I got {$370.00} last year and you compare the number of statement the XXXX do t make sense that we 'll Fargo sent me. I asked consumer protection to look into this matter
Navient customer service agents misapplied a payment that I made on XXXX XXXX, 2015 and has since then, have been diligently attempting to collect a ghost balance that I do n't owe. They have reversed and reapplied the payment so many times that I can no longer see my previous payment history, only their mistakes. A recent collections manager told me that I underpaid my loan nearly a year ago in XXXX 2015 which is why this is happening. I have never received this information prior to today, and this error was apparently " discovered '' while they misapplied payments to my account, over and over again during the month of XXXX. I am very nervous about making any further payments until this issue is resolved, for fear of further erroneous postings and payment application leading to additional collections of false debts. The same Navient manager told me that his time trying to explain my " missed payment '' was a " courtesy '' to me and that he did n't have to do so.
I, XXXX XXXX residing at XXXX XXXX XXXX, XXXX, New York XXXX hereby states for the record with the Consumer Financial Protection Bureau that Nationstar Mortgage LLC and any predecessor as servicer to a mortgage attached to XXXX XXXX XXXX, XXXX, New York was handled abusively during a numerous modification processes. Nationstar Mortgage LLC has assigned a foreclosure process pertaining to a note and mortgage originally procured with XXXX XXXX Mortgage in XXXX with XXXX XXXX XXXX as master servicer to a New York XXXX law firm for foreclosure. 
There are several criteria established that proves that the entire transfer of the note and mortgage were fraudulent, along with an original foreclosure filing in XXXX where I was never personally served. The fact that it took nearly five ( 5 ) years after this initial filing for the legal entity to re-file the original complaint is highly suspect that the note and mortgage are not in any legitimate position to foreclose. 
I was approached by the mortgage servicer on at least XXXX XXXX XXXX XXXX occasions with a modification pre-trial arrangement, all of which resulted in a declination by the servicer. There was never a legitimate reason given for the modifications being declined. 
The collection processes were abusive at all levels against all Fair Debt Collection Practices Act guidelines to remedy a debt. 
The real estate meltdown highly affected my property valuation in XXXX through XXXX, all of which should have been taken into consideration during the modification process, mostly due to the fact that the ultimate responsibility to make the debt whole to investors would fall upon the taxpayers of the United States. Real estate securitizations have become an area that is under attack for using fraudulent means to an end for the American banking institutions. The original note was fractionalized whereas there are multiple owners located in several securitization trances. 
The note and mortgage were split on a level XXXX forensic on public record by MERS, and once again by XXXX XXXX XXXX Corporation as the note was positioned into XXXX XXXX XXXX XXXX several years after the securitization trust was closed in XXXX. 
I will take this matter to an administrative court to offset the foreclosure action in New York XXXX if deemed necessary. However, the letter attached to my submitted modification state on record that I am willing to re-modify the existing mortgage or sign a new mortgage if there is a considerably reduction in principal and interest rate. 
I also request that the Consumer Financial Protection Bureau to monitor the entire modification process that I have submitted to evaluate if Nationstar Mortgage LLC is operating within the amended FDCPA guidelines on modification/foreclosure workouts as of XXXX XXXX, XXXX. ( GUIDELINES ATTACHED )
In the process of submitting my request I was told by both XXXX and experian : " something happened and we are unable to process your request. ''
XXXX has been non-compliant with removing the unverified account AMERICAN EXPRESS which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that AMERICAN EXPRESS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Since XX/XX/2015 my mortgage company, Roundpoint Mortgage Servicing Corporation, has been charging me escrow of over XXXX dollars. My homeowners insurance company told them I did not renew my policy. That was not true.
I did not open any credit cards recently other than my XXXX credit card and was approved. There should n't be any other marks on my credit score.
FROM : XXXX XXXX XXXX CASE BANK OF AMERICA! # XXXX ASUNTO : PURCHASE TRAVEL TICKET AT AMERICA AIRLINE!
My credit line with bank of america is of {$300.00} Since XX/XX/XXXX to present XX/XX/XXXXObviously to buy a ticket I have the necessity to Increase by myself The other amount to pay the ticket I. Had {$300.00} and make a deposit of {$80.00} to pay the ticket. Bank of america say Not, you will deposit extra money in you credit card but I solely see the {$300.00} ( LIMIT ) ... I TRY AGAIN AND DEPOSIT {$70.00} The bank solely see the credit limit. ( {$300.00} ) and not the extra deposit, because the ticket my option to buy the ticket was with a credit card and not check account.
The bank in some paragraf say that they can give extra money in emergency or other country road, etc. I think so- that I see it.
This impasse affected my health, I was worried, because I had enough money to pay my ticket, on the other hand my credit is acceptable - but they do not increase me maybe, by revenge, or retaliation for checking account in the pass. I recently went to pay {$860.00} the agent of employee of bank of america told me you do not have open checking account because you are punished for 7 years. They did not want to accept the payment, and I returned it to my house.
Hi there. First of all, thank you for this service.About four years ago, I opened a Chase account in XXXX, FL with my passport since I live in XXXX. I was and still am an XXXX XXXX  working in XXXX for several US companies, and it was in my best interest to have a US-based bank. In XX/XX/XXXX, I requested an early withdraw of my 401K plan from XXXX XXXX. This move was simply to help my younger brother who is XXXX from a rare XXXX called XXXX. (XXXX). On XX/XX/XXXX, XXXX sent me a check for $XXXX, which corresponded to the money I saved throughout the years, less taxes. I had to wire the money for my brother and on XX/XX/XXXX, all of sudden, Chase closed my bank account without any explanation.I supposed the wire transfers may have risen a flag, but this is my retirement money. This is my money and I transfer it however I want. Now it has been more than 3 weeks and Chase still is holding $XXXX, which I urgently need.
In XXXX 2016 a collection account showed up in my credit report. I contacted the debt collector and made payment arraignments to settle the debt of {$380.00}. On XXXX XXXX 2016 the agreed payment of {$200.00} to settle debt in full was paid and acknowledged as received. Instead of updating credit bureau report as paid in full, it was updated to balance of {$180.00}. After discussions with both XXXX XXXX XXXX and XXXX they both stated that they will continue to hold my credit report hostage until {$180.00} is paid despite the fact that they have issued a letter to me that the debt is " settled in full ''. This obvious coercion violates the good faith negotiations that produced the settlement and payment of an account.
XXXX XXXX increased my credit line on XX/XX/XXXX to {$6800.00}. On XX/XX/XXXX I received a decrease in credit to the balance of {$4300.00} which had an adverse affect on my credit. My credit usage went from 63 % to 93 % this caused my score to be lowered by 12 points. I called ( I'm not sure what date ) to inquire  about the decrease and it was confirmed accurate and was stated based on the activity on my report. On XX/XX/XXXX there was an alert on my credit report for over or at the credit limit. I called on XX/XX/XXXX and was advised that the minimum payment that was stated on my bill was not the actual minimum amount and that a higher amount was needed to cover the minimum. I was also advised there was a credit protection on my account which was causing additional interest on my account every month. I received a letter dated XX/XX/XXXX that states my credit was accessed on XX/XX/XXXX and my credit limit was again be decreased to the balance of {$3200.00}. This decrease was reflected on my credit report on XX/XX/XXXX having an additional adverse affect on my credit score. One of the reasons they use for lowering my limit is " Proportion of balances to credit limits on Bank/National revolving or other revolving accounts is too high '', however, they have been the reason that the credit limits are too high.
On XX/XX/2018, I began receiving repeated back to back calls from a man named XXXX at XXXX XXXX XXXX. XXXX never identified himself as a debt collector on my voice mail, nor did XXXX provide a mini-miranda. When I answered the call, XXXX never identified himself as a debt collector, nor did XXXX provide a mini-miranda. XXXX immediately asked to verify my social security number by reading to me the last XXXX of my social. XXXX never bothered to first verify that I was in fact the person he was trying to reach and he provided my social to me instead of asking for me to provide the social. to him. XXXX could have been speaking to anyone other than me and XXXX blatantly provided part of my identity without verifying it was me he was speaking to. It was after that point, XXXX informed me I was being recorded. Just 2 minutes into this call, XXXX and his employer have broken several FDCPA and TCPA laws including failure to identify himself as a debt collector, failure to provide a mini-miranda, and failure to verify that he was speaking to the proper person by having me provide and verify my information to him. When I questioned him and stated I never received and notification by mail or phone, XXXX became extremely aggressive with me, talking over me, not allowing me to ask questions, and trying to confuse me into accepting responsibility for an alleged debt that his company is trying to illegally receive payment on. XXXX would not let me speak and clearly his tactic was to scare and intimidate by stating he would contact my employer. When I asked him not to do that, he became even more aggressive and then hung up on me. After researching XXXX XXXX XXXX, I learned that it was actually Platinum Holding, LLC that XXXX was working for. On XX/XX/18, XXXX called and left me a voice mail stating we needed to get this resolved otherwise he would send case # XXXX to his management for further legal processing and " next steps ''. Once again, XXXX never identified himself as a debt collector, but used Platinum Holdings this time as the company he was calling from on my voice mail. When I called XXXX back, once again he made the statement that " we '' are getting this matter resolved before it proceeds and then after that informed me we were being recorded. Before telling me that, however, XXXX once again read me my Social Security number instead of verifying that it was me he was speaking with. I stated before we went any further, I required validation of the alleged debt. He began raising his voice, speaking aggressively and refusing to let me speak. He stated, oh you have already received so many notices and clearly you want this to proceed. He then hung up. I truly have never received anything from this company who has purchased this alleged debt. They have violated so many laws, too numerous to count. I will not be bullied into paying a bill to a junk agency who does not follow the law. It is not unreasonable to request validation and documentation of a debt that I know nothing about, not to mention an initial letter letting me know they have a debt that they have purchased.
I have submitted proof that certain accounts are not mine and these accounts have not been taken off ( XXXX ). I have also disputed XXXX Credit Card account because it says I have paid late but I have submitted proof that I was not late on the account. There are other accounts I have disputed as well but they do n't verify the information and they do n't even look at the proof I have submitted. This is frustrating. I would like to buy a house and with this incorrect information on my credit report it is impossible to do so. XXXX has already removed the XXXX yet XXXX and Transunion have not. I have submitted the same proof to all 3 credit agencies but it is clear that they do not even take time to look at the proof. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that have been posted on a credit report. Countless times I have fought with the credit agencies but have made very little progress. Even with the proof I have submitted it is still ignored. There are also other accounts that I never opened. I am trying to be proactive and tackle this before I hire an attorney to go after these credit agencies. Because the XXXX website only shows payments made during the current year I am unable to print off the proof of on time 2015 payments.
I had an unauthorized charge made to my XXXX credit card by XXXX for a service we had discontinued last year. My credit card had a balance of zero, at least that is what I believed because I had the card stored in a safe. Today, I receive a call from XXXX saying I need to pay my card..and I said it has a zero balance!!! They say NO, a charge was made in XX/XX/2016 for {$280.00} and I have not made a single payment since the charge. I called XXXX and read them the riot act and they are reversing the charge as we speak. In the meantime, being unaware of this charge, I am being penalized on my Equifax credit report for an unauthorized charge I was not aware of existed. Please purge this from my report.
Good Morning to Whom it May Concern, I attended XXXX XXXX before they closed their doors to students due to wrongful actions concerning loans. Students who attended were placed in high interest rate loans and pushed through the system. After finishing they program we all came out of school with 60k+ in student loans to a school that was not really taken seriously by top named companies. A short time back XXXX XXXX closed its doors and filed for bankruptcy. Current students and past students are now stuck on what to do next. Past students are stuck with high loans with high interest rates that will take them 20 to  30 years to pay off. That amount of time is not fair to someone that has been cheated and thrown into something they were left in the dark about. XXXX XXXX staff pushed the paper work through and only gave us the answers to the final bill at the end of a degree because their answer was we do n't know how much you owe because the interest is growing while your in school. I came out of school with 80k+ in debt to a school that I feel cheated me. If I knew this information I would have chosen differently and looked at other options. I feel that students should not be responsible for repaying XXXX XXXX student loans because we were cheated out of an education with outdated schooling material. Please help!!!!
A collection agency has been calling me over and over even contacted my work twice after my general manager telling them not to call my workplace and they called back a second time and spoke with me and I told them not to contact me at work and they would n't tell me how they got my work phone number. They call my cell phone back to back almost every day of the week, I have cell phone bills to prove that and screenshots on my phone showing back to back phone calls in the same day. I have told them I wanted to dispute the matter and I still have n't received anything for disputing the debt. They have told me if I did n't pay this debt they would be suing me and garnishing my wages and they keep giving me a certain amount of time to pay off a XXXX debt. Every time I talk to them they ask for my full social security number address and phone number. I feel like I 'm being harassed, and they are making me feel very uncomfortable and uneasy asking me for all this personal information. I asked them last night what the matter was concerning when they called and they said it was concerning a hospital and I asked what about and the lady would n't tell me all she would say is she needed my info it was a matter with the hospital. I asked why they could n't call me if it was concerning them and they said because they hired them to do it. I just know its not professional and it 's making me feel harassed to the point I want to change my phone number and address and even my place of employment. This is crazy and scary and it 's not even accurate. I 've told them this time after time and they still continue to harass me. Their name is Franklin Collection Service, INC
This company has sold my credit and put it on my credit report yearl resulting in negative score. The debt is old. So I dont know how it continues to show up as new every few months
I canceled a transaction on or around  XXXX , the amount is {$1300.00} to  XXXX . My request to cancel was not honored and my  Paypal  card was charged for items after being shipped, delivered on or around  XXXX . M y Paypal debit  card was charged on  XXXX , the complete transaction is copied here :  XXXX    XXXX    XXXX  Payment -  PayPal Debit  Card Loading g transaction  details for  XXXX  Payment  - PayPal Debit  Card - negative {$1300.00}.     This transaction is a consignment, items were shipped to me and given  48  hours to return them before being charged. I received package on or around  XXXX , due to a delay in not receiving them.  XXXX  left several door tags, I was not at home, a signature is required in person. I was not able to open the package until after the  48  hour return time frame had passed. Upon opening, it was discovered the items,  XXXX  pairs of mens   XXXX   XXXX  hoes, were not in the boxes. I informed the merchant and they insisted they were in box upon shipping, was advised to dispute charge with credit card. A dispute was filed on  XXXX ,  Paypal r eps were advised of the above information. However, they seem to keep missing what I told them, ask for same information repeatedly. Once piece of information, the  XXXX  tracking number, is not available. Oddly, it does not appear in my online  XXXX  account, I am signed up for delivery alerts with  XXXX  and all packages going to and from myself appear online except for this  XXXX  ... The merchant did not provide a receipt copy of either, which I believe is also requested b y Paypal.     They do not seem to understand I do not have this missing information as merchant did not provide it. In closing, please advise  Paypal t his is all the information I have and I need credit for these missing items, even as a temporary  XXXX .
For XX/XX/XXXX my lender said I had an escrow shortage of XXXX for this year up to XXXX XXXX, I paid the shortage amount. Now the lender says I have a shortage XX/XX/XXXX of XXXX which is from XXXX XXXX till XXXX XXXX. There are no increases in homeowners or Taxes however they are lowering my escrow amount because of my PMI reducing. Now if I pay the shortage it will lower my monthly payment but we will have more shortage down the road. Why is my loan being paid off but my escrow is a higher payment.
In XXXX I reviewed my credit report and found items related to identity theft I HAVE SENT POLICE REPORT, FCT REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT to Capital One for this in accurate account XXXX and specific amount {$500.00} I am citizen of the unites states of age, would like to make a complaint because for this specific account they apparently do not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the ( FCRA ) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B,  XXXX ( f ), 623 ( a ) ( 6 ).
I applied for a WalMart credit card last holiday season after an offer I received in the mail. No big deal I thought but this card is single handedly ruining my credit health ( score ) and taking fees month after the month. I make most of my bill payments online and often the Wal Mart credit card website is not functioning properly. Therefore I can not make a payment as I want, when I want, when I can. I then would either have to mail or locate a store and pay it there which can be a hassle. Month after month I am getting hit with late charges and being reported to credit bureaus. I just want to get this account in good standing and have all the negative reporting removed so it does n't ruin my life anymore than it already has. Please if possible, from a loyal customer to you, please Walmart ( Synchrony Bank ) waive all late fees assessed and remove all negative reporting and I will sign up for automatic payments today to prevent any issues going forward. The balance is approximately {$1000.00}. and {$300.00} are late fees.
I provided information to XXXX and the creditor Second Round in XXXX andXX/XX/XXXX which proved that the Second Round ( {$3400.00} ) account was being reported incorrectly and was too old to be on my file. The date reported is incorrect and this creditor has already been deleted from XXXX and XXXX because of this reason. XXXX indicates in the status field of my report that " This account is scheduled to continue on record until XX/XX/XXXX'', however it remains on my credit report. I am unable to speak with anyone on the phone about this matter and because this item has been disputed on several occasions, I am not permitted to contact XXXX online about this matter.