WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/16 I used PayPal to reserve a hotel room through XXXX ( who claimed that payment was not required until the day of check-in - XXXX/XXXX/16 ). Within 5 minutes of booking, I realized the hotel was not going to work for my purposes, and cancelled the transaction through XXXX ( for which I received a cancellation notice ). In my PayPal activity, I could see both the pending charge and the pending credit ( which I assumed would cancel each other out that evening ). While the funds were immediately held in my linked checking account by PayPal, to my surprise that evening ( XXXX/XXXX/16 ) they debited my checking account for the $ XXXX room fee, but did not issue me the corresponding credit that they received from XXXX. 
When I realized this, I called PayPal on XXXX/XXXX/16, and was told that this is because it takes 3-5 business days for the payment to process through the ACH system. When I enquired why the funds were immediately taken from my account ( despite the representation by XXXX that I would not be charged until check-in ), the PayPal representative explained that they had to credit XXXX, so they paid them from their funds. Logically then, I asked why they were holding my refund monies, since when XXXX processed the refund on the same day ( within 10 minutes of the original transaction ), they must have received the funds that evening in the same way that they 'd taken them from me. The PayPal supervisor then tried to explain that they were entitled to hold my funds, as they were still waiting for the monies from my bank to come through the ACH systems ( which is complete nonsense ). He indicated that my funds would come back into my PayPal account ( not my checking account by Wednesday - XXXX/XXXX/16 ) and I would then have to request the transfer to my bank account which could take another 3-5 business days. Therefore the total time frame from beginning ( charge ) to end ( refund ), despite the fact that the XXXX transactions occurred within 10 min of each other, would be approximately 10-12 days ( depending if there were 2 weekends or not ). When I asked him where it was disclosed that PayPal was earning interest on my money, he first indicated that they were just a processing company and did n't actually have funds. However I reminded him that he told me originally that they ( PayPal ) had paid XXXX immediately ( despite according to XXXX they were not required to do so ), and they had to have " funds '' to be able to do that. He then walked this back and said it was in the companies disclosures. I have gone back through the PayPal disclosures and can find no evidence/admission that PayPal is earning interest on our funds by utilizing their bogus 3-5 business day window for ACH processing ( which is 1-3 days, depending on if it is a weekend ). Not only is PayPal not disclosing this fact properly, but they violated what XXXX advertised by debiting my account immediately, AND are not applying the same principals to me ( the consumer ) that they are applying to XXXX ( the merchant ) ( by giving them immediate credit, but not doing the same for me ).
On or about XX/XX/2015 XXXX XXXX reported a debt of XXXX $ that I've never used nor received or did I have a credit card with, on my credit report. Not do I have a letter or receipts or any such contract with. I only learned of this by reviewing my credit report recently. How may have this resolved without paying a debt I never accumulated?
This is related to the Public Service Loan Forgiveness ( PSLF ) and the US Department of Education. I have the usual complaints I am sure. Delayed responses. Inaccurate qualified payment count. Wrong employment start date. It seems like they should take the information required on the certification form, verify it and enter it into the system and that should be it. Instead it takes multiple phone calls and emails only to receive a generic response and then there is no follow up. I have been doing this for around 4 years now and in 4 years I have yet to receive an accurate update on my status.
XXXX, XXXXXXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX continue to report I am delinquent on student loans from XXXX. The information reported is inaccurate. All student debt from XXXX to XXXX has been resolved more than 10 years ago. I have disputed the charges with Experian, XXXX, and XXXX ( as well as XXXX, XXXX XXXX, and XXXXXXXX XXXX. However, after a 30 day review period, I receive notification from the credit reporting agency stating, " Subscriber reports dispute resolved-consumer disagrees. '' The matter is then closed by the credit reporting agency. As I continue regularly to dispute the information reported, XXXX and XXXX XXXX ( and an assorted host of attorneys and/or collection agencies ) transfer or sell the bogus accounts amongst themselves. Then the new buyer of debt reports the same account with different dates and dollar amounts to each credit agency. Not only do I not owe the debt continuing to be reported, but the date of balance origination is from XXXX, that is TWELVE years ago. I guess I shouldn't have been shocked, but I was at how brazen and unethical the reporters are : they have fraudulently claimed my last payment toward each account was made on XX/XX/XXXX, which is an absolute lie. However, they are acutely aware if payment was made in XXXX for a XXXX file, the can continue to desegregate my credit file. I am prepared to upload credit reports with notations on information pertaining to my complaint today.
I have attempted numerous times to contact Debt Recovery Solutions. There is no address or phone number..Please help .. trying to contact this Collector or Radiology Company with an current correct address or phone Number.
Upon checking my Credit Report with XXXX, I discovered that The CBE Group Inc-Former erroneously identified me as owing money to a retailer that I have not used in Texas. I have never lived in Texas or at XXXX XXXX XXXX XXXX, XXXX, TX XXXX (found on my Credit Report) nor have I ever bought anything from the company you indicated, XXXX XXXX XXXX  XXXX. I mailed a letter dated XX/XX/XXXX stating I was responsible fur the debt and for substantiating documentation. CBE Group responded to me by mail dated XX/XX/XXXX and identified the debt in regard to an account established with Spectrum formerly XXXX XXXX XXXX  by enclosing account statements dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as substantiating evidence of my responsibility for the debt.

I do not have any responsibility for the debt CBE Group is trying to collect. I have never lived in Texas, had a phone number or any services provided by XXXX XXXX XXXX as shown on the statements provided .

These documents that make you believe that I am the individual owing this debt, in fact only show that my very common name is the same and nothing more that links me to this debt.
Information shown on credit report:
 (XXXX) XXXX Placed for Collection: XX/XX/XXXX Responsibility: 
Individual Account
Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX Date Updated: XX/XX/XXXX Original Amount: $XXXX 
Original Creditor: XXXX XXXX XXXX XXXX (Retail) Past Due: >$XXXX<
Pay Status: >In Collection<
Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: XX/XX/XXXX
I have been denied by over 160 rental applications. Experian, XXXX and XXXX  are attacking me and forcing me to live in the streets and in homeless shelters. This country is using credit scores to gain acceptance into rental housing. It is demanded everywhere to have a minimum XXXX credit score in order to even apply for a rental apartment. I can not get a rental apartment and am forced to live with relative. This is an attack against a human beings right to shelter and healthy physical and mental wellbeing. I file a criminal attack against these bureaus. Why is my student loan in my credit report when it is on foreberance? I see only two issues on my credit and that is the student loan from XXXX XXXX University and the XXXX XXXX bill who sold all {$15000.00} worth of property. They sold all my property and some in brand new condition and yet still charged me {$2000.00} to settle the account. What is happening to America when the constitution is being buried in the ground? This is against inalienable rights and an attack against my mental and physical wellbeing. I have over thirty years of established credit and the attack is that the credit reporting reports nothing of positive influences but only seeks issues in which to destroy citizens rights to satisfactory living and lifestyles. Something must be done. I have over thirty years of payments and working with creditors to establish credit and yet my credit is worse than when I left high school in XXXX. When I left high school in XXXX   my credit was a XXXX the minimum and I never established any credit with anyone. I am XXXX XXXX years old and my credit is worse than when I left high school and have have made hundreds of thousands of dollars in payments to creditors. So what if I fell behind or missed payments once in a while? What kind of abusive criminal attack is this against the American citizen.
On  XXXX   XXXX ,   XXXX  , around  XXXX , I called to close my  Wells Fargo  checking account. I was surprised that all I needed was the account number and the last  XXXX  of my social. Those  XXXX  numbers do n't provide very much security to my account. An identity thief could easily get access to them. I would have expected verification of address/phone number, full social, mother 's maiden name, and maybe online account password. I did n't even need a pin.     I did want to close my account, just want people to be aware of the lack of security with  Wells Fargo.
CFPB Complaint # XXXX. XXXX 's response to my original complaint is absolutely false and inaccurate. First, we provided proof there was no storm lien at all ( letter from the City of XXXX XXXX on their letterhead ) and faxed to XXXX 's loss mitigation department in XX/XX/XXXX. We called XXXX to ensure they received the fax letter stating there was no outstanding storm lien and were told they received it and nothing further was needed. Second, XXXX had our new mailing address yet we never received the letter dated XX/XX/XXXX ( attached to their response dated XX/XX/XXXX ). We received all other mailings from XXXX at our new address but no receipt of this letter. XXXX failed to comply to proper foreclosure notice requirements and never notified us ( should have been sent certified mail ) of the decision to proceed. We were never given the option to cure the deficiency before proceeding with foreclosure. We were financially damaged and harmed as a result XXXX 's failure to follow proper protocol and has damaged my VA housing benefits forever. I want action taken to correct my credit report and my VA housing benefits or I will proceed with legal action
XXXX XXXX XXXX is aggressively attempting to collect on debt that is not mine! They started calling me last year stating I owed them {$4000.00} for some apartment complex. When I contacted apartment they showed me contract that had my name but did NOT have my signature or date of birth and I never lived there!!!! this was not my debt to begin with. however national credit systems keeps calling me at XXXX till after XXXX threatening to send sheriff to my house, sue me and to arrest me .... I tried to reason and was even willing to pay in settlement to make them go away but they came back stating that I owed on XXXX different accounts to them now ... this is a scam and should not be legal. they provided me with some leases that I never signed or resided at the complexes. Now they are calling my relatives, work and even got a hold of my co-worker this is absurd and unacceptable!!!!
they will call constant from XXXX everyday about XXXX or XXXX times .from different phone numbers. when you try to answer it hangs up. 
they have learned to go around the block and leave XXXX to XXXX messages on voice mail. even when you speak with someone they will call back. this has been on going. they will call even with the 7 day grace periord. conn 's has over done it so many times. 
the call from XXXX
On XXXX XXXX 2016 all of my inquiries were removed from my credit report. Logged back in today all inquiries are now back on the report and my score went down.
XXXX XXXXXXXX XXXX is reporting a car loan on my credit report that does NOT belong to me. I contacted XXXX XXXXXXXX several times with NO answer and NO validation of this debt. I filed a police report and I want this account to be deleted from my credit report immediately
Paypal has denied claims in the amounts of XXXX and XXXX for item ( s ) not received. I have disputed the two transactions which took place on or around XX/XX/XXXX from a " XXXX XXXX ''. The person was supposed to send two videos, failed to send and stopped replying to messages via XXXX messenger. As I've explained to numerous Paypal reps and again here, lots of scammers use XXXX messenger to facilitate and run their scams as is the case here. Paypal claims to have received " evidence '' of sent items, one Paypal rep referred to a tracking number which he did not provide and is bogus. The items were supposed to be delivered via email or text, there is no such tracking number which would show something sent either way, text or email. Paypal refuses to do to anything and refers back to bogus evidence, they also refer back to account ( s ) which are not mine. They insist I had an account in XXXX, it appears to be someone with the same name, possibly a relative. Paypal has been sued in the past with regard to their transactions, please refer to XXXX v Paypal in which they settled for claims denied. I have forwarded information to attorneys in that case. They need to refund the charges or they will continue to receive complaints.
I took out a XXXX $ loan in XX/XX/2016. I have been paying XXXX $ a month since to pay off the loan. The balance currently owned on my loan is XXXX. I have contacted the company MULTIPLE time to let them know I have paid back this loan times already with interest. I didnt realize the interest was at 96 %. I didnt realize a company could allow the interest to be so high. I have the account tied to my main bank account so it comes out automatically every month. There has to be something that can be done to get out of this loan. There is no longer any contact information on the website to get in contact with anyone.
On or around XXXX XXXX, 2016 a dispute involving inaccurate credit reporting data was submitted to Experian in regards to an unverified late payment. FCRA requires results be investigated in 30-45 days and notifications made. On XXXX/XXXX/16. I received online notification of other results but never for XXXX account XXXX which is negatively impacting my credit and has not been verified showing a late payment. My dispute for this account was never addressed.
Good Afternoon, I was checking my credit report, and I came across a collection account from XXXX XXXX. I do not know who this company is, nor have I done any business with them. I also did not receive any notice of this debt or the ability to obtain validation of it. I sent them a letter requesting validation, but did not receive a reply.
Dear XXXX  XXXX XXXX : Upon checking my credit report on XX/XX/2019. One of my student loans is missing a payment. It was alerted to me this account is either not registered properly by the agencies. In addition I would appreciate XXXX XXXX to update the XXXX XXXX format if there are any discrepancies with what is reported to the credit agencies Trans Union, XXXX  and XXXX. Please investigate how these accounts are reporting whether closed or open and verify if the credit format is properly registered and reported to the credit agencies because the historical timeline is missing on XXXX.
My mortgage processor is sending me a NOTICE OF DEFAULT AND RIGHT TO CURE DEFAULT when i 'm not even 3 months ( 90 days ) late on my mortgage. In addition, my mortgage is due on the first of each month with late fees starting on the XXXX of each month and a grace period until the end of the month. Therefore, Ditech ( my mortgage processor ) starts calculating my loan is late on the XXXX and issues me a NOTICE OF DEFAULT AND RIGHT TO CURE DEFAULT on the XXXX of the month. As a result, I have 90 days before I even suppose to get such a letter which was send to me in 60 days.
I was unable to get my free annual credit report due to it asking me questions about a mortgage. I have never purchase a home. I have never had a mortgage.
Barclays closed XXXX of my credit card accounts. Notification was received via letter dated XXXX/XXXX/2015. The letter states " we regret to advise you that we are unable to maintain an account with you because of your history of usage. '' I received no prior communication from Barclays indicating any issue with the usage of my card accounts. If Barclays means a history of usage that includes 100 % on-time payments, varied and numerous purchases, and an impeccable 20-year credit history ( my last credit application a month ago had a FICO score of XXXX, as reported to me by the lender ), then I can only arrive at the conclusion that Barclays chose to close the accounts to avoid paying out substantial earned yet unredeemed rewards points. The Arrival card account had at the time of closure XXXX miles as shown in the attached account summary. The Arrival miles are redeemed with a 10 % bonus against travel expenses worth {$3500.00}. The Upromise card account had XXXX transactions that started to age, coincidentally, on XX/XX/XXXX to earn the bonus 4 % rewards for using the Upromise shopping portal in conjunction with the credit card. This bonus takes 8-12 weeks to post with the first transaction hitting that milestone on XX/XX/XXXX. I estimate the value of those rewards to be roughly {$440.00} ( XXXX transactions x {$1200.00} average price x 4 % ).
i check my credit report and it has a liens but the liens are not mine its from someone else i already fix the problem with the other bureau ( XXXX, XXXX ) and they investigation shows that it not belong to me. they take it off of my report. 
so i dont know why transunion keep this liens in his report. 

this is a case of identity theft and i already shows all the documents to prove it to the others bureus sending the police reports, trade comissions report affodavid and a lot of documents they ask. 
so i need to take this off of my report becuse its not mine, and is damage my credit score and job opportunities. 

i already fix the problem even with the irs and i got proof of it ( documents )
Hello, I have been contacting them now for almost a month. they said i am not late and that my payments would start in XX/XX/2018. But they still have the late fee notice of my account. i have since then tried other options as far as uploading forms and forbearance i have with another lender. still no response at all. I feel like they do not want to work with me or answer any of my response.
I applied for a CC with XXXX membership services. I was denied a card due to a bankruptcy from over 27 years ago. I have very good credit yet Citi had a card in that BK and they are still using it to deny me from getting that card. They stated the information came from XXXX, yet when I ran my report there was no incorrect information ( Good job XXXX ) No Bankruptcy on that record. When I contacted customer service at Citi I spoke to two people both only using first names. To get to a specialists in this area of issue. Quite candidly XXXX told me that due to the BK in XX/XX/1990 That my application was declined. I was told that if my FICO level was spectacular or just higher ( That magic number that is elusive to all ) I could have been accepted. The question begs to answer ... how long can a credit card company hold a BK against you? I was XXXX then. Thanks to that BK I changed my life and was a better person with things financially. Now I am XXXX. Ya think there is anything wrong with that picture? XXXX was painted as the company I can dispute the false reporting of my BK. Yet the facts here are written in stone and the past is never forgotten on Citi 's ledger.
We request your action against an online merchant 's fraud. The merchant charged our credit card after the order was cancelled. 

The merchant has provided deceitful reason to justify for charging our card. The merchant claimed to credit card company that it advised that it will not be able to issue credit back for the merchandise that had been already shipped. The Merchant did not advise it to us when we placed the order. 

We placed single order to merchant and cancel it in less than 24 hours before it was delivered. Although the merchant 's representative, XXXX XXXX XXXX, Account Manager confirmed the cancellation of the order via email, the merchant is fraudulently holding our credit for delivery of partial order that too after 5 days of order cancellation. 

We also request to take an action against the XXXX XXXX as it fails to receive our many from the Merchant even after 3 months and closed our billing dispute twice without getting our full credit back from the merchant. Merchant 's representatives XXXX XXXX and his supervisor, XXXX XXXX XXXX failed to respond our numerous phone calls. They failed to respond our email notice dated XXXX XXXX, 2016 for possible fraud charges for holding credit of cancelled order.
The lender is aware that I am XXXX in the military and they scheduled a sale date on my property. They have advised me that it should have never happened and they can not stop it now.
I disputed a public record appearing on my Equifax report. The item has been paid in full and has been released/dismissed by XXXX XXXX 's District court. I requested the item be removed from XXXX, XXXX, and Equifax reports via dispute investigations. XXXX and XXXX removed the public record with no further action on my part. However, Equifax continues to report the item despite the item being released by the court. In addition, I was told on XXXX/XXXX/XXXX ( via phone ) that the item would appear on my file until XXXX XXXX or XXXX because of Equifax 's internal retention policy. The crux of my complaint is that credit reporting agencies should be consistent and accurately report personal information. Failure to do so affects individual creditworthiness and is an abuse of authority. All credit reporting agencies are bound by the same rules, FCRA and individual state of residency policies, which supercede internal company policy, in this instance. As a result, I feel that Equifax actions are unilateral and inconsistent. I humbly request that the public record be removed immediately.
I was a cosigner on this loan only ... since it was repoed it shows on my report as if it was my loan.. I also disputed this account recently and now it is showing an opening date in 2017 when all actuality this account was opened years ago and has been charged off. This is causing my credit score to be lowered because it looks like a recent collection on an account that I just opened
barclay card, i had a charge on it that i told them i was disputing. i sent them all kinds of documents that showed i did not sign for the charge of {$2600.00}. because this charge brought me over the credit limit, i was paying {$200.00} a MONTH on INTEREST ONLY. i did this for over a year, finally while i kept telling them i did not sign for it, they would not straighten it out. i had perfect credit before i just could not pay this amount any more and told the credit bureau to close the account and put a memo on there that there was a charge i did not approve. but my credit has gone down to XXXX because of it. this has been a nightmare and no results. honestly, i do not feel this company is going to do anything either. but i am trying