WillisBack/dataset-financial-user-claim huggingface dataset:
I called PayPay on XX/XX/2018 to ask about my APR. I was told that my APR is 25 %. The last time I checked it was 19 %. I asked why PayPal had increased my APR as I am a good customer, not late with payments, not missing any payments, and was told that PayPal changed banks in XX/XX/2018 and due to this change they increased their rates. I then asked how I can get my APR lowered and was told there is NO WAY to lower this rate. I'm shocked that since I have been on time with payments, usually making extra payments and never missing a payment, that I would have my rate raised and not be able to lower it..ever! I suggest that everyone who has a line of credit with ayPal check to see what or how much their rate went up. This is robbery!
I am unable to check my credit score on things like XXXX XXXX and XXXX XXXX. WHen trying to create account I get a notification that my personal information is incorrect which it shouldnt be be.
TransUnion credit check, was impossible to cancel the trial subscription from the account, it cost me additional {$40.00} of services as I could not find a way to stop it. I required external help from people who have had the same problem and cost me also a lot of time. There was supposed to be a link on the FAQ of the site ( according to a XXXX post regarding this problem ), but it is no longer available.
Around XX/XX/2018 we received a letter from Linebarger regarding a delinquent toll in the state of Colorado. We live in Oklahoma.

The letter makes several false and deceptive claims.

1. By not paying they will put a hold on your vehicle registration.

This claim is false and only applies to Colorado citizens. Additionally, per toll authority, this action only applies if you are delinquent and continue toll avoidance.

2. The firm altered the document to state fees of {$2500.00} for not paying. The actual fee is {$25.00} per toll authority.

This is another scare tactic that is uncalled for, unnecessary, deceptive, false, and abusive.

3. The firm had our license plate number from a sold vehicle with someone elses mailing address and name attached to the bill.

When calling to find out information on the toll bill the firm refused to speak to anyone but the person on the toll bill who was using our vehicle tag registered in Georgia.

So the company was attempting to collect a debt from us by billing a random person in Georgia with a different name racking up fees for their company.

Unjust enrichment.

The firm had no interest of clearing up the matter. In fact, the employee said the only thing he could do was take full payment.

However, he was required to state we could dispute the debt by mail.

Even though I made it clear the name or address werent ours he continued to collect a debt illegally.

4. I called the toll authority and they instantly cleared up the issue. Why this law firm chose to do business this way is worth investigating.
On XX/XX/XXXX I sent a dispute letter to EXPERIAN XXXX XXXX XXXX, XXXX TX XXXX, XXXX   XXXX XXXX  XXXX, XXXX, PA XXXX and XXXX XXXX XXXX XXXX, XXXX GA XXXX. They received this letter according to certified mail with the UNITED STATES POSTAL SERVICES on XX/XX/XXXX. I sent this letter in Regards to the inaccurate information reporting on my consumer report. Today 's date is XX/XX/XXXX and I have yet to hear back from them regarding the dispute about the collection accounts on y report. According to FCRA, they have only 30 days to respond to my disputes EXPERIAN, XXXX  and XXXX had yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. These account XXXX  XXXX XXXX XXXX in the amount of {$1100.00}, XXXX XXXX in the amount of {$1100.00}, XXXX XXXX XXXX in the amount of {$850.00}, XXXX XXXX XXXX in the amount of {$1300.00} and XXXX XXXX XXXX in the amount of {$360.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. These such debt has never been verified, I have not received anything in the mail and EXPERIAN, XXXX, and XXXX  is not responding to my correspondence.
I live in XXXX. .On XXXX XXXX 2015 I visited my grandmother in XXXX. I opened a checking account at TD Bank to deposit a gift she gave me. I received a debit XXXX card as well. It was activated on the spot. I put the card in my wallet, returned home to XXXX, put the card in a drawer and never used it. I returned to XXXX yesterday ( XXXX XXXX ) and opened the bank statements that were waiting for me. Someone had gotten into the account and/or stolen the debit card number and made many small purchases ( the largest was about {$440.00} ) from XXXX XXXX until XXXX XXXX. When the balance in the account reached {$280.00} they stopped using the card. I immediately took the statements and went to the bank. I canceled the card and closed the account. The bank refused to help. They said that before they could investigate they would need a police report. However, they also said that since 45 days had past since the theft, I was over the permitted time limit and it was no longer their responsibility. I filed a police report immediately. It will be ready in about 10 days. I also filed an affidavit with the FTC. I called XXXX and they explained that the 60 day limit only applied to card theft - the card was not stolen and therefore there should be no limitation to the bank 's responsibility. I called FTC again and they referred me to you. 
Please note that I live overseas and would prefer to communicate by email only. Any regular postal mail sent to XXXX XXXX XXXX would require the involvement of my XXXX year old grandmother and I would prefer to deal with this issue myself. Thank you. XXXX XXXX
On XX/XX/XXXX I made multiple payments to payees by using my debit card because I can not access online banking for 7 months. The payments were posted on my account on XX/XX/XXXX. 

XX/XX/XXXX all payments shows delinquent, late fee and extra fees. 

On XX/XX/XXXX I went to the bank XXXX branch regarding why payee never posted payment plus late charges, extra fees. The branch employee XXXX T notarized bank statement showing all payment were paid and valid. 

On XX/XX/XXXX the amount {$650.00} were deducted from my checking account by bank employee named " XXXX '' ID # XXXX. According to agreement, I have asked him to put funds back to payee to avoid delinquency and all late charge, fees. He agreed before he deducted funds {$650.00} from my account. I also asked him to send me a confirmation letter by mail and email. However I never received confirmation letter and email. 

On XX/XX/XXXX payee repeatedly stated they never received payments. Therefore I contacted bank 's feedback line with case # XXXX. But I never heard anything within 1 business day. Later on I was told that someone put wrong phone number. 

On XX/XX/XXXX I went to branch again in XXXX. I have asked the same employee and her manager why the problem still existed. The banker can not resolve anything for me. I was asked to call bank 's feed back line to report problem again per the direction from branch manager XXXX XXXX. The feed back line gave me another case # XXXX. 

I have encountered extremely difficult time and intention torture because payee continue stated they never received payments. However on my side, I already made payments since XX/XX/XXXX. 

On XX/XX/XXXX I contacted bank by phone, a employee named " XXXX '' told me it takes 30-45 days to put funds back to payee. She said the bank sent a letter on XX/XX/XXXX to payees stating error. 

On XX/XX/XXXX bank 's executive officer XXXX XXXX contact me via phone. He was very clear about what had happened as I described above. 

On XX/XX/XXXX XXXX XXXX contact me again regarding same problem. Because intentional torture and breach verbal agreement, I feel bank employee possess customer 's funds without paying back to payee. I have told the XXXX XXXX the serious consequence : Not only principle {$630.00} shows delinquent, but also there is a extra {$320.00} late fee which lead big financial loss. I have asked the bank to pay damages and losses plus unpaid promotional bonus {$1000.00} for the 30 debit purchases I made in 3 months for 2 checking accounts. 

XXXX XXXX told me it takes 10 business days to resolve the issues. However its been almost two months from XX/XX/XXXX this problem still existed. I had no this issue in the past. I have no choice but to ask CFPB : if its payees fault or bank 's fault? Payee does not provide receipt, no services & benefits, extremely dissatisfied services plus lawsuit for my life damages. Bank does not want to pay promotional bonus which give me extremely difficult time and torture to cause me financial loss. 

I have all proof, evidence upon request due to safeguard privacy and personal information.
My XXXX XXXX XXXX/XXXX XXXX credit card # : XXXX is lost/stolen, and has fraudulent and unauthorized charges on the account. The following accounts are all fraudulent and dont belong to me : XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX/XXXX. The following credit inquiries is fraudulent and dont belong to me : XXXX XXXX/XXXX, XXXX XXXX XXXX/XXXX.
i have been sending letters to the credit report in order to repair my credit and in order an updated information that should have been resolved and clearly they refuse to take care of this. i have a XXXX credit report number. recently they cost me a small house mortgage because they reported another score to my lender, when i called them they stated oh that 's your fico, i asked well why do i get informed of XXXX thing and the company pulling my credit get a whole other credit file/ why was i deceived. i had an account with XXXX XXXX on an old foreclosure, they refuse to remove it even though they were informed that the case was settled with XXXX XXXX and they must remove this from my report. they have just taken the word of XXXX XXXX employee and not looked into the law of fraud. i am having a problem with them changing names of companies to keep them reporting bad forever, collection accounts. they also keep a tradeline showing and a collection account showing when they know that 's XXXX reporting keeping the clients to fail, and then they take the amount of the balance and report is a what the payment should be making you look like your debt ratio is bad and that you ca n't afford a home.it has been deceiving me. it 's like they have no rules to follow and can just put anything on you anywhere, this is costing the economy chances to get people who could be buying a house not to be eligible for real estate loans, these different scores are manipulated however they received the information from the lenders and what the lender says is what they do. the consumer. they re-report dated of last activity so it want go off of my credit. these things are old and they change collection companies and re report again. these are unfair tactics for me and every consumer out there. my XXXX XXXX account was involved in a federal investigation and settled, i have a XXXX balance reporting so why does XXXX XXXX benefit from keeping people to qualify for loans, the credit bureau 's job is to report actual fact on me its not to see how hard they can make it to get something removed. its XXXX XXXX word over ours & a federal investigation. this research proved we were the victim 's. i also feel a victim of being manipulated by the credit bureau being a member of their credit score alert, i have spent money monitoring my credit and being deceived that these are the scores that matter. this has caused me too much time. i want them to investigate the other companies too and not just being allowed to report as they wish. should n't all XXXX credit reports be the same?? it is suppose to be. if they are reporting accurately. the XXXX bureaus should have the same information as the other, as XXXX updated so should the other XXXX update ( bureau 's ). i want my credit report to be accurate. not what a lender says verified on the telephone. they should have to report cold facts not think so 's and taking the word of a lender, these things are unethical and unfair to me, my family and all consumers. credit bureaus should be trying to help people with their concerns and reports of wrong information of the bureau and should not be allowed to double report on a client.
I have a new mortgage that was originated by XXXX XXXX  XXXX mortgage on XX/XX/XXXX. The loan was subsequently sold to Wells Fargo Mortgage in XX/XX/XXXX. In the closing documents, the monthly mortgage payment was estimated to be {$2100.00}. 

Wells Fargo notified me on XX/XX/XXXX that the mortgage payment needed to increase by {$130.00} per month due to a deficiency in the amount escrowed for hazard insurance. Upon talking to their representatives on XX/XX/XXXX, I noted the following : - A full year premium for hazard insurance of {$4600.00} had already been escrowed and ; - An additional {$4600.00} was being escrowed on an annual basis and ; - An additional amount of {$1600.00} was needed because Wells Fargo asserted that there was a deficiency in the amount escrowed for insurance Although it wasnt required, I elected to escrow insurance and taxes when I closed on the mortgage. However, Wells Fargo would not allow me to withdraw from their escrow program for two years and until the loan to appraised value was 65 %. 

This raises two issues. First, the estimated mortgage payment for a NEW mortgage is materially incorrect. Second, Wells Fargo will have collected almost two years of escrow payments before the insurance premium is even due!
My loan on my home at XXXX XXXX XXXX XXXX, XXXX XXXX ' XXXX, ID XXXX was with XXXX. They sold the loan to XXXX, which went out of business without notification to whom they had sold the loan. XXXX pocketed some of the payments before becoming insolvent. XXXX XXXX XXXX said they had purchased the loan and had XXXX different balances, which varied by {$30000.00}. Then they sold the loan to XXXX XXXX which in turn sold the loan to Nationstar. After long negotiations Nationstar hasoffered XXXX trial payments of {$1500.00} with no further detail about what they are offering. 
This is exactly what XXXX did before they closed their doors. I maintain that these maneuvers are illegal and the loan balance of over {$310000.00} is ridiculous and illegal,
On XXXX ( I have taken picture on my phone ) today XX/XX/2018, at XXXX XXXX XXXX has once again put out a false/misleading banner ad. I am in the mortgage business and know first hand that these rates are non existent, i would be shocked if any amount of Discount points would be able to produce these rates. This is at least, the 3rd time i have filed a complaint. They are misleading consumers and it needs to be addressed. I will include a photo of the front page with banner ad as proof.
The loans as followed are inaccurately still on my credit after over 7-8 years. I was placed on XXXX after I was diagnosed with several XXXX XXXX, as well as XXXX XXXX. I would like these immediately removed from my credit report. 

There are a total of 11 accounts that are reporting on my credit report. I 've listed them below based on the open dates. 

XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 8 yrs, 3 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 8 yrs, 3 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) These are all still on my report for no reason and some seem to be doubles of other ; Please remove these immediately. Thank you.
On XX/XX/18 I submitted a complaint on my collection case to XXXX XXXX XXXX   via CFPB. 
Please refer to the complaint case # XXXX-XXXX for original complaint, now closed with my feedback with CFPB. 
I was advised by CFPB to open a new case to proceed and to reach with an explanation from XXXX XXXX XXXX as the above case is closed. 

Dates : XX/XX/18 Submitted original complaint. 
XX/XX/18 Company responded with their findings. 
XX/XX/18 Sent certified mail reply to company with my findings and explanations. 
XX/XX/18 Company sent my case to Collection Bureaus without a reply back to my mail submitted on XX/XX/18
Discover Student Loan # XXXX. I 've been trying to refinance my student loan ( at 9.375 % to a lower rate with another lender ) but I 've been getting stonewalled by Discover. I spoke with multiple representatives at Discover requesting " Lenders ' 45-day Payoff statement '' mailed or emailed to me and each time I 'm being told that my request will be emailed up the chain-of-command. After 1-month of multiple requests I called yet again today only to get the same response. Without the statement from Discover my new lender would not process the loan and i have a limited window of opportunity to complete my paperwork. Please help!
XXXX XXXX, a for-profit school, filed bankruptcy and closed while I was attending. As a result, I was approved by the Department of Education to have my loans discharged. I tried disputing to get these negative loans reported by Navient off of my credit reports, but Navient keeps verifying them as accurate. I sent a letter directly to Navient with a copy of my discharge approval letter from the Department of Education and they have not responded nor have they removed these erroneous loans from my credit reports. 

I am very upset to find that Navient has not requested the removal of these loans due to its damaging effects on my good credit standing. I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.
I had online mortgage payments set up with Ocwen, and had been paying for several months without an issue. Suddenly, Ocwen told me that my XXXX payment had been late and that they would charge me a {$19.00} late fee and report this to the credit bureaus as a late payment. I was incredibly dismayed, as I was certain that my XXXX payment had been made on time. I then examined my account on Ocwen 's site, and I found that someone in Ocwen had changed the XXXX digit of my checking account number so that the ACH would not go through. As the site had shown my account number in an " XXXX '' format, I had assumed the information had not changed from the previous month - but in fact, someone at Ocwen willfully modified this to cause my late payment. 

I then brought this to the Ocwen Ombudsman 's attention, and the issue has since been resolved, where my {$19.00} was refunded and XXXX payment is shown as current with the credit bureaus. However, I wish for the CFPB to know about this deceptive, fraudulent and abusive practice at Ocwen - as I know I am not the only victim here.
I had disputed and tried to get some late payments that were reported by mistakes made on the banks behalf to no avail. I sent in the letters received from the creditors apologizing and wrote my letter to the bureaus requesting a dispute and to please review my documents. This company I feel has done right by me until now. Now I feel like because it was the holiday season that my stuff does n't matter. I did file a complaint and I hope this lack of responding is n't retaliation. I 've downloaded some more documentation showing missteps and violations of credit report on behalf of this company. let me know anything else thank you, XXXX
In the past, multiple complaints have been registered against this company for not following through in correcting false information being filed with XXXX. 

CSR has been reporting to XXXX, that one of my addresses has been XXXX XXXX XXXX XXXX in XXXX, KS. This is false. Also, that I have lived at XXXX XXXX XXXX XXXX in XXXX, KS less than two years. Also false. I have lived at XXXX XXXX XXXX XXXX in XXXX, KS since XXXX/2014, and never XXXX XXXX XXXX XXXX in XXXX, KS. This mess is a result of the incompetency of XXXX at XXXX XXXX in XXXX, KS, in conjunction with CSR of XXXX, KS. Both parties have been given countless opportunities to correct their screw-ups, but did not. I had to pay to get my reports to see what was wrong. Again, because XXXX XXXX and CSR refused to fulfill their legal obligations. As a result, and at the request of the FTC, a formal affidavit has been filed against both parties with the FTC. 

CSR is to immediately remove the XXXX XXXX XXXX XXXX, XXXX, KS address entry from my XXXX  credit report, and to indicate that I have lived at XXXX XXXX XXXX XXXX, XXXX, KS since XXXX/2014. If XXXX at XXXX XXXX in XXXX, KS did her job, none of this would have ever happened. Her corporate office in OK is going to be sent a copy of all complaints related to this matter. 

This discrepancy is negatively affecting my mortgage application process.
Was recently informed, following a credit check using XXXX, that I was listed as deceased. I requested a free copy of my credit report from XXXX and discovered that Cap One incorrrectly identified an old ( unused ) account as '' consumer reported as deceased. '' Approximately two weeks ago, I contacted Cap One to make them aware of this error. 

Today, I received a letter dated XXXX XXXX, 2016 from Capital One stating that they AGAIN WRONGLY updated the account as " deceased, '' and that they notified the other credit reporting agencies of the same information. I immediately called them, once again, to notify them of this error. I am angered that this error and, more importantly, its delay in resolution negatively impacts my credit history and ability to obtain new credit or even basic services without paying prohibitive fees! This is unacceptable customer service and an unacceptable delay in correcting something as obvious as my status among the living!
I contacted BBVA Compass Bank after I noticed that several credit card accounts were open Fraudulently from XXXX XXXX XXXX   and the payments were being taken from my second checking account. I advised both banks the XXXX disputed amount had to have been a roommate that rented a room from me for about six months. After he recently moved out I noticed things in my dresser drawer were missing such as money, Identification, and Credit Cards from companies I did apply for.
My X wife attended the XXXX XXXX in XXXX XXXX. When we divorced we made an agreement in the divorce decree that she would pay her loans. It has been several years since the divorce. I am now remarrying and it is very hard to explain to my fiancee why I have a divorce decree stating I am free of paying the student loans, bit it still shows on my credit.
I have been back and forth with Credit Acceptance Corp for over 8 months regarding the same issue. They are reporting my account as closed and charged off when I am still making payments and my account is actually open. They also have my account showing that I was repossessed when my car was NEVER repossessed. For over 8 months I have disputed both those claims, I have spoken to over 10 supervisors, I have spoken to legal, and I have requested to speak to the credit reporting department over 15 times in which they claim that there is no number for that department. Each time I disputed the account and also faxed them over my credit reports showing that my account is being reported as closed, they responded back to me stating that everything is accurate when it is not. 

This is not only destroying my credit, but it is also hindering me from getting refinanced, a new car loan, or even obtaining any type of credit. This is all due to improper credit reporting and they choose not to rectify it with proof provided.