WillisBack/dataset-financial-user-claim huggingface dataset:
For months I have been trying to send money using the Paypal site. 
Their site states that you can send monies to friends and family using your bank account at no charge. The site does n't give me the option of sending the money from my checking account, instead it will only allow me to transfer money via my debit card or credit card thus charging me a fee of {$32.00} everytime I want to transfer money using their services. I have called to try to get this issue rectified on several occasions. Instead I am always told that there is a security measure on their system that they can not by-pass restricting my account from this feature. I feel that this can be viewed as a discriminatory practice as I have had my checking account for 15 years with no issues on my account and Paypal is charging my account a {$32.00} fee everytime I want to use their services, I am not being given the option of sending money at no cost as other consumers are able to. Why can they debit the money from the same account via debit and charge me {$32.00} but they can not draft the monies from the same account without charging me the fees?
We got behind on our mortgage, tried to do a loan modification, kept getting different information from the very many different people we had to talk to. Assigned a customer relations manager that we never got to talk to. Paperwork was mishandled until it got so close they did n't postpone the sale date. Even though underwriters got the paperwork and assigned a code saying it was all correct the day before the sale, they still did n't postpone the sale.
I have asked Experian several times to update my correct address on file, but they refuse to only list my current address and no other.ones. I sent them my drivers license showing the correct address.

They said I must contact the creditors that it is attached to.

So I sent all them a letter telling them to update their records 5 weeks ago, Certified mail, They received it, I've waited this long for them to change it.

Still no updates have been made on my records buy Experian. I am concern about identity theft and or fraud so I would like to not be associated with an addresses I have never lived at.
On XX/XX/XXXX I was charged {$10.00} by XXXX, and {$10.00} by XXXX to freeze my credit information accounts. 

In the wake of this massive credit information breach, I feel it is completely absurd that I have to pay for Equifax 's massive mistakes. XXXX and XXXX did not/will not waive their credit freeze fees as Equifax did ( after receiving massive pressure to do so ). The problem is that all of them store THE SAME information, so only freezing with Equifax is useless. I feel that either XXXX and XXXX should ALSO waive/refund their fees in response to this disaster, or Equifax should cover the price of freezing credit with their competitors. 

Not only am I ( and 143 million other people ) at risk for fraud and identity theft, but I have to pad the pockets of the very companies who collect, store, and sell my information without my consent in the first place.
This company ... 

MIDWEST RECOVERY SYSTEMS XXXX XXXX, MO XXXX ( XXXX ) XXXX Has shown up on my credit report as of XXXX XXXX, 2016, in the amount of {$770.00}, and it shows an open date of XXXX XXXX, 2016. It also shows the original creditor as " XXXX XXXX XXXX XXXX '' ( In which I do n't know who they are either ), I have not opened any payday loans, and I 've tried to look the company up online, in which it shows the website is down for " construction '' and I 've tried contacting them via this number and I 'm just on hold with no one responding. I have no idea who this company is or why this is on my report.
I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus and have not responded to me yet within the 30 day time period.
ADVANCED COLLECTION ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX Fl. 
XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify ADVANCED COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission ADVANCED COLLECTION acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
I owed them credit card debt then it went into collections i paid the collections sgency and they never removed it from my credit.
I was dealing with Quicken Loans regarding a mortgage inquiry involving the potential purchase of an investment property. The loan officer did a hard pull on my credit before asking what the target loan amount would be. It being a small amount, about $ XXXX, meant that they would not have a program to help me based on the loan size. A hard pull n my credit negatively impacts my credit score despite the fact that he would n't have been able to help me in the first place. This could negatively impact my ability to explore financing options in the near term.
XXXX has and is attempting to collect on a account from before XXXX they now have referred the account to some outside agency XXXX/XXXX/XXXX. this is beyond 7 seven years and illegal in my view. failed to contact me this was a phone from and employer XXXX
Today 's date : XXXX XXXX 2017 I have used Paypal in the past to buy something because that is what the company I was doing business with said I had to use. Recently I began getting emails from Paypal to set up what they called a " credit account. '' Doing this requires that I pay Paypal some money so they have it in case I want to buy something. I have told them two or three times I have no interest in setting up this kind of an account and will not give them any money and they keep on sending me emails telling me I missed a payment. I just called them and tried to tell them and the guy who I was talking to started trying to tell me what I had recently purchased using Paypal, which was completely paid for. I do not remember when I bought it or what it was since it was not a business expense since I do n't have a business. The email they use to send me this can not be replied to so I have to call them and every time I do that, they argue with me. Today I finally told the guy that I was hanging up and did so without waiting or him to say anything.
XX/XX/XXXX, I made a purchase online on XX/XX/XXXX at XXXX XXXX XXXX, the next day I received an email stating that my purchase violated their sales terms and conditions. I called customer for an explanation and they provided none but stated they will refer to Research and Resolution Dept.  My complaint is that I am being denied using my card online to make purchases because of an apparent unresolved issue with someone who live in my home. <P/>That is very unfair to me, I am being penalized for something I have nothing to do with. XXXX did not have a problem with me making a purchase in the store on XX/XX/XXXX with the store card. <P/>After getting the latest email from XXXX someone in my house did make a purchase in XX/XX/XXXX and was not even aware of being in a dispute with XXXX until I gave her the info I received. She will follow-up with them See email thread : XXXX, This order was cancelled because our records indicate the information you have provided was used in a previous dispute. On XX/XX/XXXX, XXXX XXXX  XXXX order XXXX was placed using a XXXX. On XX/XX/XXXX, this order was disputed for a total of {$55.00}. Until this disputed charge is reversed through the bank, we are unable to accept future orders. <P/>You were not charged for your cancelled order. Any pending authorization hold will drop off your account in 5-7 business days, depending upon your bank. <P/>XXXX XXXX XXXX XXXX Research and Resolution My Response : Dispute : Good Evening XXXX, I am disputing the accuracy of the email /investigation that you have sent to me. <P/>I am not in any dispute with XXXX for {$55.00} on a XXXX. If I have to make any purchases from XXXX it is always with the store card. <P/>Please re-investigate. My XXXX card number is XXXX provide me with the information on the alleged dispute. What was the item? what specific XXXX was it? <P/>I await your response. <P/>XXXX XXXX XXXX XXXX response : Hey XXXX, This disputed order was shipped to your current address + unit number, and the card was a XXXX XXXX ending in XXXX. <P/>I can not release any personal details on the order, but if you or someone you live with disputed this order, it will have to be reversed before we can accept any future orders. <P/>XXXX Research & Resolution XXXX XXXX XXXX My Response : XXXX, I XXXX XXXX XXXX or anyone in my household has a XXXX XXXX XXXX ending in XXXX. XXXX XXXX and XXXX XXXX resides with me. <P/>I double checked by reviewing our XXXX  account and no one in my household has a XXXX ending in XXXX. <P/><P/>Again, you need to re-investigate. <P/>I will not be denied using my card when I want to because of a dispute that I am confident does not come from my household. <P/>If this is not resolved and I continue to be denied I will report XXXX XXXX XXXX to the appropriate over-site agency. <P/>XXXX XXXX XXXX Store response : Thank you for confirming the other residents in your household. <P/>Attached, I have a file of the disputed order summary. We are unable to accept any future orders unless this dispute is reversed by the card holder. <P/>XXXX Research & Resolution XXXX XXXX XXXX
On XX/XX/XXXX, I faxed XXXX XXXX Consumer Credit Specialist Department a letter requesting account # XXXX to be removed/blocked from my credit report ( attached are the copies of the letter I faxed, NOTARIZED FTC AFFIDAVIT and POLICE REPORT ). This account is opened fraudulently. I am a victim of IDENTITY THEFT. I told them when I applied for a XXXX  account in one of your XXXX store, the lady who helped me whom I provide my drivers license and CITI credit card informed me that my application was declined. I never receive a card, I never activated a card and I never use any credit card from XXXX. I did not receive any letter/ response from XXXX . To  make matters worse, I disputed this account with the credit bureaus and they are claiming that XXXX  VERIFIED the account details as CORRECT and ACCURATE. 
I called XXXX  today XX/XX/XXXX, and like ALWAYS, I GET TO BE PASSED AROUND. I reached customer service who said they do not have complete access so they Transfer me to XXXX XXXX. - XXXX from XXXX  recovery group said : XXXX received the faxed docs. Said that XX/XX/XXXX they started working on the fraud case, no updates yet, and may take up to 30 days to update. Requested to be transferred to Fraud.
Rep from Fraud said it may take 30-90 days, could be more could be less. Said they cant do anything about it right now. Rep also wants to transfer me back to recovery saying that the recovery group should be the one that has full access to the account. I reiterated FCRA 605B, saying that fraud accounts MUST be removed within/NOT LATER THAN 4 DAYS upon receipt of the Notarized FTC affidavit and police report. But they said the investigation team is already on it and no results yet. They definitely received the documents needed to remove this fraudulent account and DEFINITELY MORE THAN 4 DAYS have passed. This is a violation of the FCRA and this company is robbing me of my rights.
I wrote XXXX several times regarding the inaccuracies they are reporting on my credit report on behalf of RSH & Associates LLC for account numbers XXXX for the amount of {$300.00}, and account XXXX for the amount of {$870.00}. I ask XXXX to investigate the inaccuracies and delete them off my report for their inaccurate reporting. My most recent letters to XXXX  was XX/XX/XXXX and again on XX/XX/XXXX. XXXX responded that after the investigation they concluded the information reported by RSH & Associates LLC was accurate and the collection remained on my report. XXXX did not require the company provide them or me with debt validation as I requested and XXXX was not provided with the original contract with my signature which mean they could not have property investigated this item and this is a direct violation of my rights. I sent a certified letter directly to RSH & Associates LLC to demand they validated the debt they are reporting to XXXX. RSH & Associates LLC has not replied to my request. I am now filing my complaint as my rights under the fair credit reporting act is being violated and I am seeking help to resolve this issue.
I have received several " spoofed '' calls from Weiss and Associates threatening to freeze bank account or deliver court documents for unidentified debt. Today, called work number and left pre-recorded message indicated that call originated from `` County Processing Servicing Division '' and wanted me to " make myself available '' between certain time frames for delivery of court documents.
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under AFNI Inc.. I requested a validation on XX/XX/2018 as there was 1 account that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.
On XX/XX/2018 I email a dispute to Portfolio Recovery It has now been over 30 days enought time to do what I requested { they have not complied to anything, Enclosed is the affidavit 's that was sent with proof it was sent under FCRA they had 30 days to reply I request that the credit reporting companies remove the account at once. XXXX still showing as XXXX XXXX/XXXX XXXX as owning account and PRA is under collections they can not report both a clear violation I leave this in the hands of the CFPB to investigate and any and all documents in this matter going or coming will be forward to the CFPB
Equifax has not acknowledged my identity theft reports I have sent to them per the Fair Credit Reporting Act.
In the past months I see my credit report from XXXX  have numbers accounts and inquiries 44 inquiries are fraudulents accounts are XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX county  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX all those accounts are fraudulents please tell XXXX to Delaware those accounts and I right now thank you so much God bless you
Credit reporting agencies refuse to correct unauthorized hard inquiries and keep them in your file for up to three years. They also use your own inquiry into your own credit to lower your score and use that power in a bullying fashion. The credit agencies are arms of the bank abd utilized for that purpose only. They dont work any other way around. So the consumer has no way to really fight for equity or correct a wrong. And with a federal agency which has no teeth, these agencies act with complete impunity. Further, it takes several attempts to contact these credit agencies. Their listed numbers take you down a two option menu so if youre trying to do a more complex investigation, it cuts you off. They cut you off at whim. The whole system is a scam designed to XXXX the consumer without any dignity or humanity in favor of the bank. No customer service. Just bank protection against consumer rights.
Unable to cancel my account from Experian. Signed up a year ago for their credit-monitoring service and am billed {$27.00} every month. The only way to cancel this service is by calling their phone help line. Every time I try to do this ( have tied over 20 times ), the wait time is " 2 hours, '' but then no one ever picks up. To test, I once left it on all day at work. No one ever picked up. 

This company is a complete scam, fraud and should be fined and forced to allow customers to easily cancel online. 

I've tried to block them through my bank, but each month, they bill under a slightly different name, so it's impossible to block them from charging you.
My wife and I had consolidated all of our student loans with XXXX XXXX in XXXX. The same year I entered XXXX XXXX XXXX. Each time I XXXX after XX/XX/XXXX, I submitted request for deferment on the loan and the XXXX XXXX and now Navient mishandled the paper work. We received confirmation twice that the military deferment was in place and several months later received notification that we were in default on the loans and that the only way to fix was to have the loan re-written. This situation went on for years and even came close to impacting my security clearance. Now I am retired from XXXX XXXX and work for the XXXX XXXX as a federal employee, we are trying to apply for forgivness and once again, Navient is tell us we are not eligible. I would like my account audited and try and get credit for the deferments we fully qualified for and try again to gain control of the student loans we have faithfully tried to manage.
I went into default, I admit it. I have been spending the last 4 years paying thousands of dollars into " XXXX '' that were supposedly helping me get out of default and rehabilitate my loan. Every corporation buried me in forms to fill out and turn in, changes in due dates and amounts due, and endless runarounds. There was always an excuse as to why my consecutive monthly payments did n't qualify for rehabilitation. 
I recently parted ways with " XXXX '' for this very reason, and attempted to consolidate my loans with " FedLoan Servicing - A Department of Education Servicer ''. I submitted all of the necessary forms to consolidate all of my loans. They, in turn, consolidated XXXX of the XXXX I had requested, then attempted to start drowning me in required paperwork and forms. They sent me a notice in the mail stating I owed {$12.00} on XXXX XXXX. Upon attempting to pay said funds, my account online showed a {$0.00} balance due, and would not allow me to pay any extra. I am praying I do n't see them report a missed payment to the credit bureaus. 
I have been working feverishly for years trying to fix my credit, and right now my student loans are the only things preventing me from doing so. My loans are revolving in a world of default that I ca n't get them out of. Please offer as much assistance as possible, I would greatly appreciate it!
Inaccurate Information being reported on my credit file ... .incorrectly and was told in written letter by the company that they would have deleted and yet it has yet to be deleted.
When I checked my credit report through XXXX few days ago there were XXXX hard inquire deleted then couples days later those inquires are added again.I think that is not fair.
I have two inquires from STATE FARM BANK ( Inquiry : XXXX XXXX, XXXX ) and XXXX ( inquiry : XXXX XXXX, XXXX ) I am not liable for and its showing up on my credit report.
I've resubmitted a mortgage modification request with financials again. I've provided this information to my mortgage servicer several time. I requesting a mortgage modification with a fixed interest rate and 30 year term. My mortgage servicer has been unwilling to provide a modification with fixed terms and fix rate for my mortgage loan.
the credit cards companies : XXXX XXXX XXXX and XXXX XXXX not provided to Trans Union credit bureau updated information and Trans Union credit bureau refused to request on their own same data from my both credit cards accounts which I paid off completely a few months ago, so it is badly hurt my credit scoreI got XXXX on XXXX and only XXXX on Trans Unionsame thing my husband has and it looks like the credit bureau not fulfill its obligation to collect and to provide all accurate and up to date information
I have no contract with this company and this company is not licensed to collect in Florida and this account have been removed from my report previously and was reinserted without any notification. Which violate FCRA laws
I 've had been a victim of transunion inquiry issue. I have called them to try and remove items but customer service did not help. 

Here are the inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
I keep getting phone calls at least 4 times in the last 40 minutes on XX/XX/2018 from a debt I owe of {$220.00} owed to XXXX XXXX and they asked me to verify my address and I said I wouldn't tell my address untill they tell me what are they calling me around XXXX.and XXXX XXXX They keep changing their phone numbers and the phone number I just gave is the last phone number that called me tonight. I am just getting sick of them calling me around this XXXX XXXX to XXXX XXXX
I have asked multiple times for XXXX, XXXX XXXX and Equifax to correct or remove the public record Ch. XXXX Bankruptcy. They have not and continue to report it as a new Bankruptcy. My credit report needs to read " Date Filed : XX/XX/XXXX. '' " Date Successfully Completed : XX/XX/XXXX '' All XXXX credit bureaus have this as a New Bankruptcy and they refuse to correct their wording.