WillisBack/dataset-financial-user-claim huggingface dataset:
Back in XXXX of XXXX, I placed an order via PayPal on my smartphone, while going through the routine checkout phase, I the checkout chart to complete my order, however, I proceeded to click on payment and accidentally click another feature, which appeared to be PayPal Credit, I was only trying to pay for my item, which totaled around {$8.00} or more, but it was a feature to apply for PayPal credit, which I was not trying to apply for credit, especially for the {$8.00} bucks I was spending. A month later, I received a hard inquiry on my credit report stating that I had applied for PayPal credit. 

The way they have the PayPal credit feature on the checkout platform is very confusing as if they are being deceptive to offer you PayPal credit unknowingly. Like I stated, I was only trying to pay for my order. I have reached out to PayPal and XXXX and each agency tells me I have to correct the error with the other agency, the credit bureau and PayPal are basically giving me the runaround. I would just like them to remove the hard inquiry from my credit report.
Bank of America continues to state that the loan is behind. As recent as TODAY they told XXXX XXXX that the mortgage is behind and that they are charging her {$95.00} a day in interest. This follows a " claim '' by bank of America that a check in XXXX was dishonored. Despite a complaint with the CFPB, they have STILL not provided a shred of evidence that the check was dishonored. My bank has told me the check was NEVER PRESENTED. As a result of their LOSING THE CHECK, they attempted for the 3rd time in 4 years to fraudulently force the property into foreclosure. It was only a complaint to this bureau that resulted in them backing off their BLATANTLY ILLEGAL AND TERRORISTIC behavior. However, despite not providing ANY EVIDENCE whatsoever that the check was dishonored, they are harassing XXXX XXXX and me for payment of the fees they attached during the process. Despite stating in the previous complaint they would get back to us they have NEVER responded.
I have a series of charges for {$16.00} I have never agreed to this charges with the company that made these charges. I filed a fraud dispute with Bank of America and they said they were going to investigate it, and concluded the investigation claiming that I have received a double refund. From the company involved and from Bank of America and this was the reason Bank of America were putting the charges back on my card. 

I have never received a return from the company that made these charges on my credit card.
This debt appears on my credit although during my son visit to the dentist my son had Medicaid from the state of New Jersey I informed the dental office my giving my sons insurance card to process claim and my identification to prove I was the mother. I informed the collection that patient had Medicaid at time of service that this bill was to be billed to Medicaid of New Jersey I spoke to the agent on the phone gave her the policy ID and was told they would inform the dental office. I requested this account to be closed and billed to Medicaid yet after three years still appear on my credit. Per New Jersey Medicaid Provider rules of participation as long as patient is enrolled in Medicaid insurance must be billed and patient can not be billed. This provider is billing us for covered services that must be billed to Medicaid My son XXXX XXXX was the patient
XXXX was private student loan lender and now I am receiving mail from NES Of Ohio stating that my student loans are in default and in debt collection. 

I contacted XXXX in XX/XX/XXXX to discuss repayment options and they told me they could no longer assist me because now NES Of Ohio has information on my student loans. NES Of Ohio has sent me notices in the mail stating I should paid the amount of {$7300.00}. From XX/XX/XXXX-XX/XX/XXXX I was a XX/XX/XXXX in XXXX and earned a readjusted monthly living allowance of $ 250.00- {$260.00}. From XX/XX/XXXX-XX/XX/XXXX {$50.00} were deducted from my readjusted living and sent to XXXX for student loan payments. 

I previously spoke to XX/XX/XXXX in XX/XX/XXXX a month after I returned from serving in the XXXX XXXX and they told me over the phone that I could pay {$38.00} a month but I was unemployed at the time.
I am a cosigner for my son 's student loan and he is 21 days past due with AES. They repeatedly call my daughter regarding this debt. She only has a cell phone and they call her during working hours. I requested they stop harassing her and stop using her number but they say as long as the payment is due they will call her.
on XXXX XXXX, 2015 there was an ACH transaction withdrawal from my account without my permission for {$750.00} to a company bamed XXXX. this ACH transaction caused my business account to go into a negative balance. when I noticed the transaction on XXXX XXXX, 2015 I immediately called my bank and spoke to the claims department. I explain the situation that this was a fraudulent activity that I have no knowledge or no relations to XXXX or the bank that was involved as well named fifth third Bank in Michigan. XXXX XXXX filed the claim XXXX XXXX filed the claims for me and told me I would receive a refund in 12 hours or up to 1 to 2 business days. When I followed up on XXXX XXXX, 2015 with XXXX who holds my business account at approximately XXXX XXXX I was told that my claim was denied because I needed to make a claim within 24 hours of the transaction. before finding out that my claim was denied I have been going back-and-forth with the XXXX the claim department and the claim department from fifth third Bank. From here I was able to claim the company ID and the trace number in regards to this transaction. after finding out that my claim was denied I had spoke to my branch manager at XXXX to have a representative called the claim department in regards to the situation. I was able to retrieve my contract that I had signed with the business account. On Monday, XXXX XXXX, 2015 I have to call the XXXX claim department and they will be contacting fifth third bank with me on the line in regards to this transaction. I have filed a claim two times more after the my claim was denied.
Step 1 : XXXX XXXX XXXX added a delinquent payment into my credit report without EVER contacting me about this late payment. Their claim is that my number was on a " Do not call '' list ( which I definitely didn't request to be on ). I am a co-signer for my mothers account. I was unaware that she had missed a payment. XXXX has my number on record and failed to call me in order to charge this payment, because of their excuse I was on the do not call list. So Instead, they submitted this late payment into my credit report, which has subsequently greatly damaged my credit. 

Step 2 : I have since signed up for auto-pay with my bank information so that a late payment will never happen again ( and my mother is now paying me monthly ). I also wrote a letter to XXXX explaining the mishap and kindly asked to remove my late payment from my credit report. ( Especially since XXXX 's negligence has greatly impacted by ability to currently obtain a mortgage ). 

Step 3 : XXXX responded with a letter stating " we have researched our records and have determined that the information reflected in our records is correct and are reporting your account to the credit reporting agencies '' Step 4 : XXXX XXXX XXXX never offered me a chance to make this payment. They never called, emailed, or wrote me a letter about this payment, yet they still reported me to the credit agency. 

I would like XXXX XXXX XXXX to fix what was wrongly done. 

Companies Involved : TransUnion Corporation, XXXX  XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX.
I added my husband onto my Capital One credit card as an authorized user. Capital One was reporting his credit scores until I called in about a balance that I ended up having to dispute. The problem was resolved with the balance, but my husband 's credit scores went from 700+ to XXXX. I contacted Capital One 7 times to explain the situation and they said they were submitting his scores and to contact XXXX. I contacted XXXX   who informed me that Capital One was not reporting my husband 's credit scores as an authorized user on my account. I contacted Capital One repeatedly concerning this issue and they asked me to write a letter to their Discrepancy Department. My husband still does not have his scores being reported even though he is an authorized user with an active credit card.
I have n't worked in nearly 3 years and I am on income based repayment with Navient. Navient took over my student loans, which were with XXXX, prior. I 've heard a story about how many consumers with loans through Navient are being mistreated. I believe I am one. Being on income based repayment, I assumed they would lower me to the lowest amount I needed to pay to stay on top of my loans ... .wrong. I pay {$29.00} a month on my 28k+ student loans. Every month, after I make my payment ( always on time ), the balance does n't go down ... it goes up. This month I even paid a bunch extra and my balance still grew. Every month it appears to grow somewhere around $ XXXX- {$50.00}. In my opinion, I strongly believe that Navient is well aware of this and is not really doing right by their consumers. How can I ever get on top of my loans, if this is what they are going to do? I ca n't. Not at this rate. Any help would be greatly appreciated. If this is happening to me, it must be happening to a lot more. For me and my family, and the others who are going through this, please help. Thank you.
I paid the debt off in full to XXXX and I have not received an update to the three credit reporting bureaus that this has been paid in full. When I requested it from the company, I was told it would be reflected and resolved by now in my XXXX XXXX, XXXX, and XXXX credit reporting. It has not been fully resolved, though they have my account reflecting paid in full on their website.
Initially, I purchased my home in XXXX, in XXXX my home was mortgaged with CitiMortgage at an 8.5 % interest rate. XXXX, XXXX, I applied for a modification to lower my interest rates, only. XXXX, XXXX, I suddenly lost my job after XXXX years and XXXX months with the same company, ( XXXX XXXX XXXX XXXX ). I panicked and mistakenly told CitiMortgage about my release, but I assured them I had comfortable savings account, interest from my IRA, unemployment and spousal support incomes. CitiMortgage accepted my monthly payments until XXXX, XXXX when they returned my check and XXXX, XXXX put my home in foreclosure. XXXX, XXXX, I went to XXXX. XXXX, XXXX, CitiMortgage resumed my mortgage loan for {$6400.00}, 20 years at 8.5 % interest rates. I returned from XXXX XXXX, XXXX. Citi Mortgage has falsified my credit report, quoting my last payment before foreclosure was XXXX, XXXX. I have bank statements of payments thru XXXX, XXXX. XXXX, XXXX CitiMortgage transferred my loan to XXXX XXXX XXXX. I have credit reports where I made monthly payments and there were no deductions from my principal balance. CitiMortgage has ruined my credit and refuse to make corrections. XXXX, XXXX, I had a XXXX Credit score and if they had left my loan as it was I would have paid it off when I went to XXXX. I want to file a lawsuit against CitiMortgage for {$200000.00} to payoff my home and the stress and discomforts CitiMortgage has inflicted upon me.
XXXX AND CONSERVE VIOLATED THE T.C.P.A. 11 TIMES ON MY CELL NUMBER, TRYING TO COLLECT 3RD PARTY DEBT THAT WAS RELATED TO I.D . THEFT AND NOW MUST PAY RESITUTION. 

THEY ALSO VIOLATED THE '' DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT, STATE AND FEDERAL INFRACTIONS APPLIED.
I applied for a consumer loan application through a 3rd party ( XXXX XXXX ) in early XX/XX/XXXX, who conversely entered an application at SOFI on my behalf. SOFI contacted me over the next couple of weeks and collected all of the required documentation from me. My loan was in the final approval stage and was on the verge of being dispersed. In the final stage SOFI asked if a 3rd party had helped me with my application, which I affirmed. I was then told that it " was n't a big deal '' and that all I needed to do was re-apply with a different profile on their website. The woman also told me that they could expedite it, and it should go much quicker then the first time, and I had no need to worry, as everything was great on the loan and they could get it done. The next morning I did exactly what SOFI asked me to do, and I received an immediate denial due to " inquiries on my credit report. '' The only inquiry that I had was the one for SOFI on the previous application. Based on this I called in to escalate it on XX/XX/XXXX. For two weeks I was being told that it was basically a glitch, and that they would get it resolved. I talked to two people over this time, a women in escalations that never called back as she said she would, and XXXX XXXX, who also never called back or gave updates. I called numerous times between XXXX and XXXX when I was finally told that they could not remove the inquiry, which was that of SOFI, and due to that they could not approve my loan application. This makes absolutely 0 sense, the follow up was terrible, and as a result I have wasted over 30 days working with an institution and have a hard inquiry on my credit report that hurts my credit. I am credit worthy with a credit score over 700,  XXXXyear in income, and have been on the same job for over 6 years.
On XX/XX/2018, I returned a leased XXXX XXXX XXXX to XXXX XXXX XXXX in accordance with my lease. The lease was for 2 years and XXXX miles and the car was returned with XXXX miles, within the lease agreement. I subsequently received a bill from Toyota Financial Services for {$3200.00} which included {$2600.00} for excess mileage, {$350.00} for a disposition fee, {$230.00} for sales tax, and a reduction of XXXX for an overpayment. I contacted Toyota Financial Services about the erroneous billing, and after researching the file they agreed the billing was in error, removed the excess mileage charge and waived the disposition fee, which eliminated the sale tax and agreed to refund the {$19.00} overpayment, which they did. 
Subsequently I received a call from a debt collector, XXXX XXXX. After researching the file again, XXXX agreed there was no amount due. 

I then received another from XXXX XXXX agent claiming the amount was due. I explained the error to the agent but she would not listen. I sent a letter to XXXX and to Toyota Financial requesting letters clarifying that no amount was due. Neither responded to my letters. 

Now I receive a letter from another collection agency XXXX XXXX, XXXX requesting payment for the same erroneous claim.
The Transunion is deliberately giving me a low credit rating because I had filed a compliant against them. It is a 60 point difffirent between the other credit bureaus.
On or around the end of XX/XX/XXXX I pulled my credit report and noticed that XXXX XXXX is reporting false information on my credit report with regards to a car loan that I had with them in XX/XX/XXXX. At that time I notified several credit reporting agencies of the error, they did an investigation and reported updated information from XXXX that is still false. I want immediate resolution and expect that if I am denied credit because of their actions that they will be held accountable. 

Complaint Description : I had a car loan with XXXX XXXX which was paid in full XX/XX/XXXX, XXXX is illegally reporting to the credit agencies incorrect information. Account Number : XXXX Make : XXXX XXXX XXXX VIN : XXXX Account Paid in Full Date : XX/XX/XXXX ( per confirmation on XXXX letterhead ) XXXX has reported this account has charged off on my credit report also has reported inaccurate information after I disputed the information, they added more incorrect information. Status on my credit report : Bad debt & placed for collection & skip They have also updated my credit report that I have not paid since XX/XX/XXXX through XX/XX/XXXX. Which appears as 48 times that I have missed payments, this is materially false information and when asked to correct they have not complied. I have documented a paid in full letter dated on XX/XX/XXXX. With this documentation and the behavior of XXXX XXXX I have legitimate documentation they are violating consumer credit laws. I would like to avoid legal action against XXXX if they will accept my proposed resolution of immediate deletion of my account with all 3 credit bureaus, XXXX, Transunion and XXXX.
I was part of the XXXX credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. 

XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. 

Thank you for your time.
On XX/XX/2018, XXXX XXXX and XXXX XXXX purchased a XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX., XXXX, OH XXXX. We applied for credit, and we were approved. We signed the contract and received the keys. On XX/XX/2018, the lender was contacted to make a payment. The lender said they had no record of the loan. Thirty-seven days from the date of the contract, On XX/XX/2018, we were told by XXXX XXXX XXXX to return the car to the dealership and that we were not approved for credit. I was told I would be in big trouble and they would have to involve the police if I didnt comply. They offered to approve a loan for an older car for a much higher interest rate. The contract I have said there could be no verbal agreements to change the contract. The contract also stated that it is a binding agreement after ten days of the execution of the contract. I have received nothing in writing. I believe this is an unfair credit practice.
I have repeatedly contacted XXXX, XXXX, and Experian for inaccurate reporting and calculation of my FICO score, but they refuse to correct it. 
They have multiple companies " alleging '' I requested credit, and their reports do not reflect my multiple car loans, all paid 100 % timely, in full and paid off, mortgages and student loans all paid timely, in full, and paid off in full timely!
I had called Key Bank several times to help take care of my loan. I can not afford payments right now of almost {$80.00} a month. I explained to them my current situation several times, that I am working but can not afford to make payments for several months until I get back on my feet. I just graduated and got a job, my husband just went back to school and we have a baby. I explained I would have an opportunity to start tutoring and could afford payments around XX/XX/XXXX or I could pay a smaller amount and they refused to do anything or provide any help in any way. The said I could never refinance my loan or consolidate it, I ca n't get lower payments or a forbearance, or any kind of payment plan. I was told there is nothing they can do for someone who is trying to take care of their bill. They gave me no explanation why except that some other internal department at Key Bank said " no ''.
The National Recovery Agency has repeated called me. The company refused to leave messages and hangs up on me when I ask why they are calling. They are asking for confirmation of personal and sensitive information over the phone. They are rude and refuse to provide any information about why they continue to call me.
My name is XXXX XXXX XXXX and my wife is XXXX XXXX XXXX. We reviewed our credit report online. I noticed that my XXXX 2014 Mortgage payment is being reported late. The payment was made on time and I have attached the documents to support this payment. Please feel free to contact me if you have any questions or need additional information. 
Thank you
I signed a contract with XXXX. two years in I was XXXX in my home five days after XXXX and attempted to push panic button behind locked door. nothing happened. I realized something was wrong. I filed a police report and then called security company. I told them what happened and I needed them to come asap to fix it because I feared the XXXX would come back. they told me they would be out in 7 to 10 days. I asked for a manager and insisted they come immediately. they said they would note this on my account. they never showed I called back and complained again. they said they came out and I was n't at home. do n't know when that was but I worked so there is no telling. I again told them to please fix my system They were withdrawing automatic from my account for three months while my system was broken.. around three months later my home was broken into and robbed. again no alarm because they never came to fix it. another police report was filed. my damages totaled more than what I owed them for the " contract '' they were determined to hold me to which by the way was five years. I had to get bank to stop them from taking money. they refused to relieve me of the contract and turned me over to hillcrest Davidson collections. they demanded I pay the rest of the contract of {$1600.00}. when I was XXXX for a year. I lived alone at time and was scared to death for 3 months and had my mom come stay with me. I spoke to a lawyer that said I had an excellent case and when I was ready he was ready to chew them up and spit them out. but I did n't have money to hire him.
I am disputing hard inquires on my credit report because this is fraud and does not belong to me. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX
This company lied about a promotion of not charging interest on my account. I was led to believe that I would have at least 18 months interest free payments on the account which was never the case. Instead they began to charge me interest which led to me discontinuing the account. They also continue to call me, my family, and relatives regarding this issue when I have asked them numerous times to stop.
am writing this letter to request that you remove the late payments and the negative items reporting to thee credit bureaus. I know it is your power to do so via theFair Credit Reporting Act. 

Speaking with the lawyers and the closing company it is standard via a short sale package for the creditor to remove all negative trade lines and stop reporting to the credit bureaus. I am selling via short sale with your approval. I need to put this short sale hind me and move on. 
I am requesting that you remove all negative payments and stop reporting the trade line altogether and not report the short sale. 
There are several letters requesting the same in the short sale package and it had stop being reported but now the debt is being reported again XXXX. I am sure this is an oversight. 
I am now attempting to improve my credit score, but am having difficultly due to the negative listing on my credit report. Therefore, I respectfully request that you remove this negative listing from my report as a gesture of goodwill. 
XXXXDelete all the XXXX trade line for all XXXX credit bureaus and not report the short sale.