WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX my PayPal account ( created since 2014 ) was limited due to several key points or issues. It was done during the purchases of urgent necessities for my work. They claim that my account is linked to another account created under my name after I created this one. 

They have on hold {$41.00} and caused a contract ( due to unavailability to purchase online digital goods such as servers for hosting and web domains ) to be broken on my part for the amount of {$630.00} for my online services. 

They claim there is an amount due ( not disclosed by them ) and an account with my personal information ( details not mentioned by them such as email address, name under the account, phone number, etc ) I demanded the case to be elevated to fraud for a possible identity fraud, however, I 've received no additional communications from them. 

I 've been attempting to contact through phone 2 times with waits longer than 1 hour and  30 minutes.
Frequent calling examples : XXXX midland credit Called sat XXXX at XXXX, XXXX, XXXX XXXX midland credit Called XXXX at XXXX, XXXX XXXX midland credit Called XXXX XXXX, XXXX ( verified myself ), called again at XXXX XXXX midland credit Called XXXX XXXX, XXXX ( verified myself ), called again XXXX This pattern has occurred frequently for over a year. <P/>This company also scheduled a post dated payment for a payment arrangement without my authorization after I had told them I did not want to post date any payment. They used the card information for the payment I made and authorized for that day and also scheduled a secondary post dated arrangement that I did not agree to and they attempted the withdraw funds from my account without my permission.
This has been a very difficult year with credit in every way you could think of. Ive recently received alerts on my credit products on XXXX, Experian, and XXXX. I have been affected in the past and I dont know why your company continues to place unrecognized Accounts and inaccurate inquiries on my credit file. The following accounts and inquiries were placed on my credit file. No one contacted me to get my consent and that is a definite violation of The FCRA sections 604, 609, 611, 605B. I have attached a letter, and several photos as well. I am really frustrated with your credit Bureau and Im now filing a lawsuit against XXXX, Experian, and XXXX for placing false inquiries & Accounts on my credit file without my consent. Seems like you guys are treating this situation as a joke and I find that to be unprofessional. Please do not place no fraud alerts on my credit file. Just contact me in the future or have all creditors contact me for new future account. You should be ashamed of yourself for not taking the proper precautions to insure my credit file. I have contacted each bureau and have been placed on uncomfortable hold on the phone, supervisors hanging the phone up on me. I have spent hours on the phone trying to contact each Bureau when I was aware of this matter. No one is cooperating with me and i am left with no choice but to approach this situation through legal actions. There is no respect because I am unaware of all the inquiries and accounts this has been a situation that has been on going for the entire year and Im tired of the XXXX. You have caused XXXX XXXX and more symptoms to my physical body and my XXXX XXXX. Please be aware that you will have to pay court fines and a fine of {$20000.00} for causing damages to my XXXX XXXX. I need to be compensated with a check that will pay my doctor bills. You can negotiate it with my lawyer. I am no longer in discussion with your company at this point since I have filed a lawsuit. Inaccurate Account information
Dates : XX/XX//2019 ; {$250.00} : Tried reaching the person phone number, IM him but he removed from group does not pick up the call. 

He has an advertisement in XXXX and send some documents to support him. 

There is no company involved I transferred to the person through XXXX. 
I have his full billing address that too post paid from XXXX. 

XXXX XXXX XXXX, GA, XXXX.
When trying to built credit you apply for a car loan. Each dealer you go to sends out inquirery to sends it to several credit agencies. The result = each credit reporting agency penalizes you 2 points for each inquiry. You now have a lesser score after trying to built your score. This tactic is working agains you. I had a XXXX and ended up without a loan and a XXXX score. This is hurting people from fixing their credit. End this practice. 
I now can not get any credit because of my credit score. So, how a my supposed to built credit when I can not get it to begin with? Its a catch 22.

Also, every credit card company that gives you a credit score shows you a different credit score than the credit agency. Its not uniformed.
I did not know that there would be an " Early Loan Payoff Restriction '' with my refinance. No one ever spoke to me about it. I was surprised to see this when I was signing the documents in front of the Notary. Several days later, XXXX occurred. So now mortgage rates are even more competitive. Someone told me that this Early Loan Payoff Restriction is illegal. I have an opportunity to refinance at 3 % fixed for 20 years. I am interested in pursuing this option. West One Capital has evidentally already sold this loan to XXXX. So I am wondering if this Early loan Payoff Restriction is legal, will West One pursue it, since they 've already sold off the loan, and if so, why? How much will the fees be?
Experian is all over the place with my Fica score it need to be updated and reflect the same as thing as XXXX and XXXX SCORES ARE DIFFERENT ON EVER SINGLE AGENCY OR COMPANY I PULL PLEASE UPDATE IMMEDIATLEY,
In XXXX XXXX, I was contacted by First Mark Services concerning my private loan. I XXXX from XXXX school on XXXX XXXX, XXXX. Immediately after XXXX I requested a grace period of 6 months after XXXX to begin repayment. A representative, XXXX XXXX from First Mark Services indicated that their records reflected that I used the grace period during the period of XXXX XXXX through XXXX XXXX. However, during that time period I was enrolled in school and did not use that grace period for repayment as I was a XXXX student and not required to make payments on the loan during that time. At the time, I submitted the form to nelnet loan company it was accepted by the customer service in XXXX. 

I submitted the same form that during that time I was enrolled as a XXXX student in school ( XXXX in XXXX ). Upon submitted the form I found that without further evaluation or confirming my enrollment they denied my request via the indicated form. 

Desiring to resolve this matter I then requested to reduce my payment amount to {$50.00} a month since I am currently unemployed and preparing for resident matching this summer, XXXX. After several email exchanges with XXXX XXXX, it was concluded that I could make $ 50 monthly payments until I became employed and was able to make the full monthly payment amountIn my email I stated that I will be able to make {$50.00} now then 2 weeks later I will be able to make a payment of {$100.00}, then afterward I will make auto pay of {$50.00} a month. I made my XXXX payment of {$50.00} then he contacted me and indicated that I will need to start making full payments and denying that he agreed to reduce my payment to $ 50 monthly. 
I felt I was really misinformed and misguided by the company. At the same time, I felt I was robbed of my grace period. 
I am trying hard to work things out with the company while the company is not even doing the minimum to help me. They are not even meeting the minimum requirements as indicated by law to completely inform me. They are using short answers that have misguided me.
I have contatced XXXX XXXX a total of 15 times either by phone or mail since XX/XX/XXXX when the first XXXX XXXX  account was open then in XX/XX/XXXX another XXXX XXXX account was opened. I have made numerous attempts to get this cleared up and removed from my Equifax credit report. Neither Equifax or XXXX has tried to assist me or tell me what I need to do on my end to get this resolved. I keep receiving letters from DISCOVER staing they will not review. I feel like I am being singled out by a company that I have never dealt with my identity was stolen in XX/XX/XXXX. I have sent them a copy of my police report that didn't make a difference either.
XXXX sent my name to collections with Fidelity Information, but I do not owe her money. I was not a party to the lease and do not owe her. She has said on numerous occasions that she is aware, but wants to be paid anyway. I 'm in the middle of buying a home and this has put a halt to my purchase. I want her criminally prosecuted.
In XX/XX/XXXX, I took out an installment loan for {$1500.00}. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. 57.35 % of {$1500.00} is {$860.00}. Repaying the loan plus that already exorbitant interest would total {$2300.00}.

To date, I have paid {$3500.00} so {$1100.00} more than the amount I should have repaid. I still have 14 more payments which will result in me paying an additional {$4000.00}. It turns out I am being charged 407 % interest and not the 57.35 % advertised to me.

I demand that my account be closed and marked paid in full immediately. This company actually owes me {$1100.00} in overpaid interest as well.

I have a payment due XX/XX/XXXX. I want this resolved before that payment is deducted. I would like {$1100.00} in overpayments returned to me.

Please resolve this immediately and cease all automatic payments from my bank account. I have repeatedly attempted to resolve this with the company directly. The call center appears to not be located in the United States and 10 emails sent have been ignored.
FRADULANT CLAIMS OF SECURITES FRAUD, DUEL TRACKING, ROBO-SIGNING, CONSPIRACY TO COMMIT A VIOLATION OF VIOLATION, CALIFORNIA FALSE CLAIMS ACT. 
FROM XXXX OUR PROPERTY XXXX XXXX XXXX XXXX XXXX CA. XXXX WAS SUBJECT TO CRIMINAL INTENT TO DEFRAUD REGULATIONS AND SECURITIES OF OUR CONTRACTED PROPERTY XXXX # XXXX RECORDING FARDULANT DOCUMENTS AND CLAIMS IN THE XXXX XXXX RECORDERS OFFICE AND THE SECURITES EXCHANGE OFFICE WITH FALSE NOTICES OF DEFAULTS FOR INSURANCE CLAIMS.FALSE CLAIMS OF TRUSTEES DEED UPON SALE WITH XXXX DIFFERANT TRUSSEE 'S CLAIMING THE SAME PROPERTY AT THE SAME TIME OF FRAUDULANT SALE. 
OUR PROPERTY WAS PURCHASE IN XXXX AND A FULL RECONVANCE FROM OCWEN AND XXXX WAS RECIEVED IN XXXX ONLY TO HAVE A PROPERTY SOLD FROM UNDERNEATH US BY OCWEN, WHO CLAIMS TO BE OUR SERVICER FOR OUR MORTGAGE WHICH OCWEN ENTERED INTO A PURCHASE AGREEMNET IN XXXX FOR BOTH THE XXXX AND XXXX LIEN ON PROPERTY IN WHICH WE ENTERED INNTO A  MODIFICATION AGREEMNET WITH XXXX XXXX AND XXXX BANK, WHICH OCWEN TOOK OVER IN XXXX ONLY TO HAVE OUR HOME OF 23 YEARS STOLEN FROM US. 
DOCUMEENTS OF INTEREST # '' XXXX XXXX XXXX XXXX XXXX FALSE TRUSTEE DEED # XXXX XXXX FRADULANT ASSIGNMENTS # XXXX, XXXX XXXX XXXX WE ARE DEMAANDING A FULL INVESTIGATION ON OUR SECURITIES FRAUD CLAIMS, WITH CRIMINAL INTENT FROM OCWEN XXXX XXXX AND XXXX, AND THE XXXX XXXX AFFILATES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX AND ATTORNEYS WHO FALSIFIED CHANGE OF TITLE AND CALIFORNIA FALSE CLAIMS ACT.AND DAMGES FOR VICTIMIZING OUR FAMILY AND PROPERTY.
I received a phone call from a number and they asked for my fiance. When I said he was not available they hung up immediately. When I called the number back it was an automated recording that stated they were XXXX collections agency.
To Whom this may concern. 
I have on multiple occasions attempted to file disputes by phone with Transunion regarding multiple hard inquiries on my Transunion credit report. Each time that I have attempted to file a dispute I am being told that I have to contact the creditors to have the inquiries removed. When I contact the creditors they advise me that I have to dispute them with the credit reporting agency. Transunion representatives will not allow me to file a dispute regarding the hard inquires that I did not authorize. This is an unfair practice and it is affecting my credit negatively and that is the reason for me filing this complaint. The inquires are not authorized by me or a result of me requesting credit, insurance or employment or the result of a court order and I want them removed. Immediately. 

XXXX XXXX XXXX XXXX
On  XXXX / XXXX / XXXX  at  XXXX    XXXX   I called a debt collector to request information on a letter I received from their company post marked  XXXX / XXXX / XXXX  on a {$270.00} bill. After I gave them my name and account number the male representative told me in an aggressive manner, " you hav e 24 hours to pay the bill ''. When I asked for information on the bill he repeated very aggressively again " pay the bill in 24 hours, do n't play with him or else ''. I repeatedly asked if his company could give me information on the bill in writing, he was not compliant but after another attempt to obtain information from his company he asked for my email address and then he hung up the phone while I was trying to talk to him. During the time I was requesting info on the bill he continued to speak over me very loudly, stating " I had 24 hour s to pay the bill so do n't play with him. '' I never raised my voice during the interaction nor gave him any form of rude communication. The entire experience left me physically and mentally distressed.
I have been struggling to bring my mortgage current for some years now. I was recently told that I was given extended a Principle Forgiveness but was never informed nor sent paperwork regarding this prior Principle Forgiveness that they claimed to have done on my defaulted loan. Nor was I sent paperwork, after I completed a years worth of on-time payments that was suppose to bring my loan current. I was told that Citimortgage would be sending me these documents. I believe that Citibank is trying to block me from modifying my loan and keeping my home at this time as my property has accrued substantial value over the last 13 years that I 've owned it. It does currently need several repairs that are covered under the home insurance but they are blocking the adjuster from following through and letting me get the repairs done. I have been getting assistance from local and national nonprofits and have tried several different methods to negotiate with them to no avail. I would like an investigation to be opened into how they handled or mishandled my case. They say that they sent me documents that I never recieved so that I 'd like to see a tracking number and signature for those time sensitive documents that they state I never returned to them. This is very disturbing to me and has caused a great deal of hardship and XXXX for me as it is my primary residence for my children and I, I am single parent who went through a long phase of unemployment. I am currently working and have been for over a year.
Coinbase had a fraudulent " flash crash '' Due to  deliberate market manipulation at XXXX on Ethereum which caused everyone to lose millions and billions of dollars. I myself lost a substantial amount of money. XXXX XXXX  XXXX There are numerous people that were affected.
I have a home mortgage with Capital One Home Loans. 5/1 ARM. As their rates are not in line with the market, I decided to repay the mortgage. I asked for a payoff letter on XX/XX/2017 with a good through date of XX/XX/2017, which was {$550000.00} ). I paid {$250000.00} ( as XXXX only permits {$250000.00} wire per day ) on XX/XX/2017 ( Fed Ref No XXXX ), {$250000.00} on XX/XX/2017 ( Fed Ref No XXXX ) and {$61000.00} on XX/XX/2017 ( Fed Ref No XXXX ) ( which includes the per diem interest rate through XX/XX/2017, that was provided on the pay off letter ). On XX/XX/XXXX, my Capital One account did not show credit of my wires and still showed the full principal outstanding. On XX/XX/2017, my Capital One account showed principal balance of {$310000.00}, and on XX/XX/2017 the principal balance on my Capital One account was {$250000.00}. As of XX/XX/2017, it still shows {$250000.00} as the outstanding principal balance. I have made 2 calls thus far to find out about the {$250000.00} wire that was already made ; however, neither representative was able to locate the wire transfer. My call on XX/XX/2017 with a " supervisor '' at Capital One said that she will be contacting the account receivable department to see if the {$250000.00} was applied to the wrong ledger and that it will be credited back to my mortgage account once they are able to find it. I can not comprehend how a bank can misplace a wire for 7 days. How are they documenting/accounting for this internally? As a securities attorney, I can only imagine that their internal controls are a mess and I respectfully request that there be a thorough audit of this bank so that other consumers are not left in my situation without recourse.
-Check Date XX/XX/XXXX -Check Amount- {$700.00} -Check made out to- XXXX XXXX -Provided the First XXXX XXXX routing and account number. 
-I closed out the account on XX/XX/XXXX -Nothing could be found while I was on the phone either time. 
My account was a XXXX XXXX checking account that was transferred to Key Bank as the companies merged. I've spoken to Key Bank twice providing all my needed contact details-Phone number, Email address, and updated mailing address.

1st phone conversation XXXX, promised a call back with information, no call was made to me.

2nd phone conversation XX/XX/XXXX, did receive a call back, but was advised the same details as the first call, " I'll open a research request to have this reviewed for the check copy ''. I requested the check copy be sent by email as this is needed for a Court Case. I was advised no problem. I was advised that I would be followed up with in 3-4 days by a person from their research department advising of a status. This timeframe has come and gone and no communication by phone, email or mail has been received. 

This check copy is highly important and is time sensitive to me. I'm in no way confident that any action has been taken place by Key Bank. All details that were given to me, such as follow up have fallen through. I need help to get this matter resolved as it seems I've been forgotten about.
HELLO WAS TO THE BRANCH OF WELLS FARGO TO ASK FOR INFORMATION ABOUT ANY QUANTITIES THAT WERE OPEN IF MY AUTHORIZATION ACCOUNTS CHECKS AND SAVINGS WITH PENDING BALANCES PLEASE ELIMINATE ANY OPEN ACCOUNT TO MY NAME HAS NEVER HAD RELATIONSHIPS WITH WELLS FARGO THANK YOU. 
CALL MY XXXX.
I originally obtained the student loan with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I call myself consollidating the loans for {$1000.00} with an 8 % interest rate and another loan for {$10000.00} with an 4 % interest rate. I did n't know that the {$1000.00} loan of 8 % would bring my {$10000.00} loan of 4 % up the 8 %. That caused me to have a {$11000.00} loan with an 8 % interest rate. I filed a complaint with you all on XXXX XXXX stating that XXXX XXXX should have informed me that my payments would go up because the interest rate went higher on the {$10000.00} loan which is loan shark practice. Nothing happened from my complaint. XXXX XXXX only transferred or sold my loans to Navient. Now Navient is the loan company who ruinded my credit because mh loan have exploded to almost {$30000.00} even though I have paid over {$20000.00} on it.
My. Credit report shows syncb/carecr balance of XXXX. I in no way shape or form Opened or show me my signature guys they didnt even send me one bill says opened XX/XX/2018 charge acct cancelled by credit company on XX/XX/2018. It says im 180 days late but a ) i never got so much as a birthday card llet alone a credit card and When i contacted them to know exactly what these alleged charges were for they go oh well send you itemized bills and its a month already, less then a year ago my credit score was XXXX and now cause of this something i never authorized my credoit score XXXX. 
Like im not shy about my address dont these companies verify when one applies who the XXXX is care credit? On XX/XX/XXXX new inquiry syncb industry travel/entertainment on XX/XX/XXXX new acct syncb/care credit industry : misellanous finance XXXX XXXX XXXX XXXX florida XXXX Not to mention my email XXXX is XXXX Can you do your jobs
I was contacted on XX/XX/2018 by Alltran Education about a debt I know that I do not owe to the U.S. Department of education. The supposed principal balance is {$3500.00} with an interest of {$35.00} and added fees of {$860.00}, adding up to a total of {$4400.00}. I know that this is a debt that does not exist, however, because when I log into my Federal Student Aid account thing with my FSA ID it is nowhere to be found. Nothing like this has ever happened to me and I have no idea what to do, so please I need help? I know this debt doesn't exist but I'm still scared. They threatened that my debts would be reviewed for Administrative Wage Garnishment and I could have up to 15 % of my wage be withheld by my employer.
I have disputed this debt and filed a fraud complaint. The collection company sent me " proof '' that I owed the debt. They sent me a letter stating that they had investigated my claim and they had concluded that my debt was not fraud. Their " proof '' was a credit card statement for a completely different person, with a completely different debt ( NOTHING similar to the one they say is me ) in a completely different state. This does not instill very much confidence in their abilities to " investigate '' my claim.
I have a account thats not not mine should be pay by Insurance because i have Medicaid an Medicare an XXXX XXXX XXXX its XXXX Dollars so it should be pay.Thankyou XXXX XXXX XXXX
Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by MOBILOANS LLC , XXXX XXXX XXXX, XXXX , XXXX XXXX on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, XXXX, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
I would like to file a dispute for the following on the grounds of financial hardship. I was unemployed for an extended period of time while living abroad for work. 

I have since returned to New York and not missed payments and am working to rebuild my finances and return to good standing with my creditors and the credit institutions. 

If possible to forgive these I would be so very grateful. 

XX/XX/XXXX Late fee - XXXX XX/XX/XXXX Late Fee - XXXX XX/XX/XXXX Late Fee - XXXX XX/XX/XXXX Late Fee - XXXX XX/XX/XXXX Late Fee - XXXX
i called and spoke to XXXX who is a supervisor on XX/XX/2018, they speak poor English and pretend to not understand English, i requested that they remove all inaccurate item, to date XX/XX/2018 they did not even do the dispute,