WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX Paypal funds were in my PayPal account and I initiated a transfer to our joint account at XXXX XXXX XXXX. I received a message that my funds could be under review, I contacted PayPal and they informed that my transfer was initiated and as it was in a batch that they had no control over the automated system. The supervisor informed me that the review was completed and after the holiday of the first I should expect the funds in 1-3 days. 
I contacted them via e-mail asking why the funds where stilll in review today and also was on hold for 47 minutues and was informed by XXXX that the system was automoated, the supervisor was incorrect and that the first e-mail was correct. My funds were in review and that I can expect my funds sometime next week. 
These funds were to help with a medica payment in order for my wife to recieve additional medical treatment. 
I believe that Paypal was not forthright and that it was intential to hold the monies, regardless of no disputes, the personal medical situaton or compliance on my behalf. The funds are tied up under the review process which I think is a sham and way to gain more interest at our expense. If my wife suffers as the result of this, and I am asking friends to assist me with a short term loan which compiles the stress - I am holding Paypal responsibile as they misled me, were not professional and made it difficult to reach them.
I pulled all 3 bureaus reports and asked for validation or verification on the bankruptcy listed in my public record and each one came back as verified without any documentation or written proof. After I froze my account with XXXX XXXX ( completed XX/XX/XXXX ) to whom supply my information, I then proceeded to re-dispute with the bureaus. Again same results verified yet no proof although at this point account frozen so impossible to verify. My next step was to address the courts about the matter ( completed XX/XX/XXXX ) which stated that they use a particular system that did not involve the verified parties. enclosed are the letter from the courts and XXXX XXXX showing my account being frozen yet account being verified after that date recorded date. so my privacy have been violated by the involuntary disbursement and usage of my personal information including social security number. parties involved XXXX XXXX XXXX XXXX XXXX PA XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX {$620.00} XXXX/XXXX  {$1200.00} XXXX XXXX {$3300.00}
i called and made a {$1600.00} payment on my best buy credit card and the representative misrepresented the terms of the payment. I told the rep i would be calling back to pay the account off in a few months the rep told me i should n't have a payment for a few months because i had paid such a large amount. The {$1600.00} dollar payment was made on XX/XX/2015, i called on XX/XX/XXXX to make a payment only to find out that my account was past due by almost XXXX days since the big payment was made in XX/XX/XXXX. This is a huge issue because I 'm in the process of buying a home and i am XXXX days out from closing on it the main reason why i paid such a large amount on the account is because it was suggested to help with my credit score now i have a 30 day passed due. I would not have ignored a XXXX $ bill after paying such a large amount. I have made several attempts to explain the situation and get it rectified through BestBuy the creditor with no progress made. This is costing me a great financial hardship I 'm in the process of loosing XXXX in ernest money and potentially the home purchase all together. Account number is as follows XXXX it is handled through a Citi Bank. What i would like is a deletion from my credit or removed all together if possible.
I am currently a borrower with Pennsylvania Higher Education Assistance Agency, or XXXX XXXX. I am a borrower hoping to utilize the Public Service Loan Forgiveness Program. 

My issue with XXXX XXXX is their repeated miscalculations regarding my payments toward the Public Service Loan Forgiveness Program. Nearly everytime I submit an employment certification letter, my loan calculations are incorrect, or have changed significantly. I have three examples, with documentation to show a pattern of miscalculation. 

OnXX/XX/XXXX I received a letter from XXXX showing the number of payments made toward the PSLF program. One of my loans ( loan sequence 006 of 5 loans ) had 22 payments as of the date of that letter. On XX/XX/XXXX I received a similar letter after submitting another employment certification form, for which I earned 4 more payments toward PSLF. Yet, my loan ( sequence 006 ) now showed only 15 total payments toward the PSLF program. 11 payments, which were previously counted on the XX/XX/XXXXletter were missing. I have contacted XXXX twice about these missing payments and have yet to receive an updated calculation. 

Additionally, afterXX/XX/XXXX letter the rest of my loans ( sequence XXXX ) were each missing 1 payment. According to the XX/XX/XXXX letter, three of my loans ( XXXX ) had 23 payments counted toward the PSLF program. However, as of XX/XX/XXXX each of the loans now had 26 payments counted toward the PSLF program, even though the letter was to certify 4 more payments toward the program. Loans XXXX should be at 27 payments as of XX/XX/XXXX, not 26. 

Finally, According to the letter on XX/XX/XXXX, I had an employment certification from an organization from the dates of XX/XX/XXXX - XX/XX/XXXX. This should count as 9 payments from that organization because I make payments on the XXXX of each month. Yet, the letter only counts 8 payments made toward the PSLF program. 

These three examples demonstrate a pattern of miscalculations from XXXX, all of which have served against me, and my progress toward the Public Service Loan Forgiveness. I have made repeated attempts to have these loan payments calculated correctly. At this point, there are so many issues that I think it has become difficult for the staff to remedy the situation. 

In addition to these three miscalculation examples, I still have not received payments made in XXXX and XX/XX/XXXX counted toward the PSLF program due to a retroactive in-school deferment placed on my account by XXXX XXXX. I have been waiting to have those payments counted.
In 2008 I was victim of ID theft by someone who opened an account in my name and SS at the address located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX which is not and have never been mine. 
After reporting to the police and credit agencies this was a fraud, the address still shows as my Former Address in the Equifax Credit Report, which is incorrect and I would like to have it removed.
This is a follow-up into my previous complaint # : XXXX, filed with the Consumer Financial Protection Bureau against Ocwen Loan Servicing , LLC . 
Ocwen Loan Servicing , LLC responded to it in its response dated XXXX/XXXX/2015. By all measures and explanations and details which Ocwen submitted, this response makes an absolute mockery to the American Financial Institution because it is contemptuous, filled with made up facts and wholly untruthful. 
On XXXX/XXXX/2015, I downloaded a Pay Off quote from Ocwen 's Website and which was also subsequently mailed over to me, probably corresponding to their quote dated XXXX/XXXX/15 in that table which they submitted. This table also refers to XXXX other quotes dated XXXX/XXXX/15 and XXXX/XXXX/15 which perhaps reflect quotes which they would have submitted to XXXX XXXX XXXX, XXXX, and which they claim not to know anything about! 
Ocwen states that on XXXX XXXX, 2015, it disbursed the sum of {$2900.00} for property taxes to XXXX County. In fact, on XXXX/XXXX/2015, I contacted the XXXX County Property Appraiser agency ( XXXX ) which infromed me that said property taxes were actually paid on XXXX/XXXX/2015, the day after my closing sale, and finally the Tax Collector 's office ( XXXX XXXX ) to which I was referred to, stated that the payment was actually made by XXXX XXXX. This absolutely refutes Ocwen 's assertion that it paid the taxes on XXXX XXXX, 2015. 
Ocwen also states that Ocwen received funds to satisfy the loan in full on XXXX XXXX, 2015. Actually, it happened to have been on XXXX XXXX, 2015 that XXXX XXXX XXXX, XXXX wire transferred the sum of {$170000.00}, the loan Payoff amount to Ocwen. And yet, Ocwen goes on a tirade that it would never have been in contact with XXXX XXXX XXXX, XXXX! 
In their Payoff Requirements And Conditions, Ocwen had written that the wire transfer at closing was to be made to Ocwen Loan Servicing , LLC, with Bank Address : XXXX XXXX XXXX. Is it that Ocwen Loan Servicing , LLC is an affiliate/subsidiary of XXXX? 
For what reason did Ocwen feel obliged to totally misconstrue the facts?
For the last year I have been trying to get a copy of a contract with my signature that shows that this is my account I have sent 3 letters to the company and 2 letters to the  XXXX  credit bureaus. They always send back a letter stating it is verified. I want to see the contract with my signature on it to know if this is really my account. FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. The company never reported a dispute to any of the credit bureaus. It was not until  XXXX  2017 when I sent letters to the  XXXX  Credit Bureaus a dispute was put on my report. Then they still did not provide the name of the persons that verified that it was my account they just assumed it was and sent a letter to me saying it was verified.FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. now the original company has turn this over to someone else to collect. Also If the original creditor sells a debt to a collection agency (   XXXX   XXXX   ).  XXXX  and also wrote off the debt on their taxes it would write off any obligation to pay. Therefore the Contract was Cancelled.
So there is NO CONTRACT and this item needs to be removed from my report Immediately.
Since the Credit Reporting Agencies have not been swayed by the evidence I have provided demonstrating that the  XXXX   XXXX   XXXX   XXXX   XXXX  has failed to comply with Federal Law in its handling of the debt assigned to it by  XXXX   XXXX   XXXX  that the debt is therefore invalid and to remove it from my credit file accordingly, I am now following up with additional documentation proving that t he Collection Agency & Creditor hav e also failed to comply with Florida Statutes, thereby further invalidating the debt. According to Florida  Statute 83.49 ( 3 ) ( a )   ( www.leg.state.fl.us ) :  " Upon the vacating of the premises for termination of the lease, if the landlord does not intend to impose a claim on the security deposit, the landlord shall have 15 days to return the security deposit together with interest if otherwise required, or the landlord shall have 30 days to give the tenant written notice by certified mail to the tenants last known mailing address of his or her intention to impose a claim on the deposit and the reason for imposing the claim ... .If the landlord fails to give the required notice within the  30-day p eriod, he or she forfeits the right to impose a claim upon the security deposit and  may  not seek a setoff against the deposit but  may  file an action for damages after return of the deposit. '' As indicated in the attached official Confirmation of my address change from the United States Postal Service, my mail was forwarded from the address specified in the fraudulent itemized bill from  XXXX   XXXX   XXXX  as of  X/XX/2016   . Moreover, I was signed up for automated notification of any mail sent to me that might include tracking information, as is the case with Certified Mail, until after I moved to my new apartment in  XXXX  of  2016. He nce, if the creditor had indeed fulfilled its obligations under Florida Statutes to send notification to my last known address of its intent to impose a claim on my deposit via Certified Mail, I would have either received the notice at the residence specified in my  USPS  change of address Confirmation ( my grandmothers ) or I would have have been notified about it by the USPS via text and email.
Portfolio Recovery Associates claimed that I made a {$5.00} payment on 3 accounts of unverified credit card accounts to XXXX, XXXX   and XXXX credit reporting agencies. This caused the reaging of the accounts from XXXX to XXXX. I never made a {$5.00} payment to Portfolio recovery or any unverified creditor.
I am flagged with most financial institutions who deem my information a risk whenever I open bank accounts or try to cash checks. I would like to have intangible reasoning behind their discretion in blocking me within  n  the system completely or with limitations. I 've contacted them to no avail.
ALL PLEASE READ!!!! I deeply feel that I am a victim of discrimination by XXXX XXXX   due to being an XXXX XXXX. My complaint against XXXX XXXX is because I established several lines of credit and at my highest credit score they were requesting that I close accounts or reduced credit limits with no valid reason, and therefore I refused and did not. I become a target from that point to almost four years ago to this current date. I have not missed or been late on any payments. Regardless, I am currently experiencing several of my accounts being closed or my credit limit being extremely reduced continuously that has taken a tremendous negative affect on my credit score!!

Again, I have been unfairly targeted over the last 3-4 years by XXXX XXXX and I am requesting help to stop this unfair and unlawful treatment that I feel is discrimination. I  would also like to understand who I can contact to file a lawsuit as well.
On my account RASH CURTIS & ASSOCIATES Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$580.00} past due as of XX/XX/XXXX. 

I am writing this to investigate my account RASH CURTIS & ASSOCIATES. I am an identify theft victim. I sent FTC complaint & ID theft report, I also sent validation letter request they prove my information but they did n't response to me and they did n't remove these on my credit report. Please investigate and remove all these of my credit report.
On XXXX XXXX 2017, I purchased a car from XXXX XXXX which resulted in receiving two hard inquiries on my credit report. One from GM financial and the other from XXXX XXXX. However, I noticed a month later that XXXX is showing a second hard inquiry from GM Financial on XX/XX/XXXX2017. I contacted GM Financial and after several hours of speaking to numerous reps, I was told that this inquiry was never done by them and that I would need to contact XXXX. I contacted XXXX and was told to get a letter from GM financial in order to remove this inquiry. This is complete fraud and I have become a victim of inaccurate reporting. GM financial will not send me a letter Because they 're saying they did n't request my credit report on that date. XXXX is not removing the inquiry stating that I need a letter from GM Fianncial. Their next excuse to not remove the inquiry is that more than 1 hard inquiry reported within 30 days for an auto mobile does n't effect my credit score. This is complete fraud. I want the hard inquiry from GM financial on XXXX XXXX 2017 to be removed right away from my credit report whether it affects me or not. Under FCRA, I should be protected from being punished for something I did n't do. No other credit reporting agency is showing this hard inquiry. I need your help to have this inquiry removed as I have worked so hard to keep my credit report clean. Thank you.
This account is a  Private Student Loan account that was originally through Chase. Th e account was opened on or around  XX/XX/2008   . The outstanding balance currently reflected is for {$19000.00}. I hired a consumer attorney to represent me for this account. After certain information that I have provide d, Chase deem ed that I was no longer liable for this account.  XXXX  and  XXXX  have already been updated, they have removed the  Chase Student Loan a ccount from my credit reports, however,  XXXX  has not removed this account. I have disputed this account several times on  XXXX , and each time, they respond with the creditor has validated this debt. I have called Chase several times and talked to several people, including supervisors, and no one knows what to do or whom to talk to, and apparently does not have record of THEIR ACCOUNT. Chase directs me to contact  XXXX   XXXX   XXXX   (  XXXX   ). I have called  XXXX  several times, and have spoken to several people, including supervisors, and they have no record of my account.  XXXX  directs me to contact Chase, as they are the ( only -  XXXX  is NOT ) lenders reporting on my  XXXX  credit report. The numbers that I have tried are  XXXX  (   XXXX   ),  XXXX  ( old  Chase Student Loan  line - which no longer works ),  XXXX  (  XXXX  - this is for Federal Student Loans ). In other words , Chase a nd  XXXX  are pointing their fingers at each other, and I am just the man-in-the-middle ( the one whom is suffering from this dilemma ). This is very frustrating, and it should be something very simple to accomplish. I am no longer liable for this account, whom do I need to talk to?
Experian is reporting accounts that was open up fraudently in my name and refusing to remove them. Three XXXX XXXX accounts opened XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. One XXXX XXXX open XX/XX/XXXX, One XXXX XXXX open XX/XX/XXXX. 

They are also reporting address from XXXX XXXX, IL that do not belong to me.
XXXX credit reporting agency deleted XXXX XXXX XXXX and XXXX  account off my report last month after there investigation now on this months report they both have been re-instated this is wrong I contacted legal advice and was told once an account has. Even deleted it can not be reinstated again. Due to this my credit score went eay down again
My husband was laid off and we filed for bankruptcy. We became two months behind in our mortgage with Chase Home Finance. No loan modification was offered. Instead we were put on a repayment plan and charged exorbitant fees for four months. 
I feel that we were overcharged.
I filed a dispute with all XXXX of the credit bureaus about inquiries that were on my report from multiple car lenders. The problem is I never tried to get a car. I have been disputing this for months even to the point of the bureaus telling me to contact the companies and ask for a delete letter. However that is impossible because I do not have an account with them nor do they show that I applied for a car or a loan.They said that there was no way they can offer me a letter of such statue. After contacting the companies I called each bureau yet again to dispute, even by sending letters. I also had a fraud alert on my credit file a few months back because of these unauthorized inquiries. XXXX said they are investigating the other two would not do anything. Also when I dispute with XXXX it has been over 30 days with disputes not verified but still remaining.They say that it is taking additional timing to complete. Also with each bureau some of the disputes come back within hours saying verified. Especially XXXX bankruptcies that I never finished going through the court system for. I provided paperwork to transunion showing the case was dismissed and I owe nothing, zero balance. They deny your requests by saying verified, but when you ask by who, they can not explain. Then when you try to check dispute status it says can not view, or still pending. I also asked an XXXX Rep to update my current mailing addresses and delete all old ones. He told me that I could not do that since they were apart of my file.
I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it.The wrong company is saying they own and are calling at XXXX and after XXXX.
Hello I have requestion for validation of this debt through transunion and XXXX XXXX. By law they should have my original contract on file. But they dont have no documentation. By law if the dont this. They are suppose to delete these accounts off my credit report. These letters that are attached are not my original documentation. Doesnt show apr. I will like these accounts deleted before I report yall and have my lawyer take yall to court. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.
I paid the XXXX Collections third-party half of the balance owed to XXXX and I paid the remainder of the balance in full directly to XXXX back in XXXX 2017 and on all ( 3 ) Credit reports I am seeing Paid in Settlement when it should reflect a status of : Paid ; Closed!!!!!!!!!!!!!! I am seeking Assistance regarding this matter with getting XXXX, Equifax and XXXX to accurately reflect the account status o my Credit Reports!!!!
Violation HIPPA, PHI and California 's Medical Privacy StatuesIn reference to accounts you 're reporting to on my credit reports Please be advised that under Federal Statutes the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and California 's Consumer Credit Statutes, you may be held liable for the following actions ( a ) Duty of furnishers of information to provide accurate information. ( 1 ) Prohibition. ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer-reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. In addition, the HIPAA and California 's Medical Privacy Statutes are in effect in this situation even though the health care services provided may have been prior to enactment. The Privacy Rules prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. In general, PHI encompasses substantially all " individually identifiable health information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. The furnishing of my account information is not in compliance with HIPAA, or California 's Privacy Act, and any subsequent reporting of this account on my credit reports XXXX is a clear violation of Public Law XXXX ( " HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.