WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I wired {$300.00} through Western Union online to pay a bill from one of my bank accounts to another. I paid a {$.00} fee for a 6 business day delivery. I called 7 business days later. First I was told that the money went through and is with my bank so contact them. I did contact them the same day and my bank told me that was false. Someone from WU said they would call the bank and straighten it out but I never heard back. I called several times since then and then was told a refund was issued with no reason why. I was then told that it can take up to 7 business days for the return. I have emailed and called since with no help and a lot of transfers and hang ups. I wait a long while to speak with people only to be transferred without help. I email the customer service desk with more promises about an investigation on this case, and I will hear back but have not for days. They did finally verify that i indeed do not have the money, but refuse to give me my money back and wont give me any answers. I did make a XXXX cell payment from the bank account that I was told the money was being returned to but since it never was I was over drafted with a {$30.00} fee attached.
In XX/XX/XXXX I purchased a XXXX with over XXXX miles on it from XXXX, a used car dealership located on XXXX in XXXX, NY. It had a high monthly payment, but I needed a car to get to and from a part time XXXX position and was credit was not great so I signed. The beginning of the XXXX month the called stopped on an expressway ... if I did not pull over quickly, I would have been in a horrible accident. 
It was towed by this XXXX and I was told it needed a belt and alternator. They fixed it with no charge to me. Next, I am informed that XXXX went our of business and that XXXX ( located on XXXX, in XXXX., NY was now taking over for them. Now they told me I needed an oil change, some filter, etc and I paid {$160.00} for this since these items were not under warranty.This same thing happened again twice at about 4 months ; car was towed again to the XXXX since they took over for the defunct XXXX. I know it was electrical, but XXXX would not admit to it. Whatever they did to my car and would not admit, the car was OK ... no more stopping and shutting off. By XX/XX/XXXX I needed a new battery and paid over {$200.00} for it. This XXXX has ( 3 ) batteries, 1-in front ; l in the rear ( trunk ) and one running along the undercarriage which I was never informed about. Next by our first storm, I needed tires, all four for this car. By this time, I had this vehicle for about 7 months. 

If I keep this car ( on a 5 year payment plan for $ XXXX ), I would be paying at the end of 5 years, {$16.00}, XXXX for a car which I found out is only worth at max. is {$3300.00} On XX/XX/XXXX, this vehicle was rear ended by a snow plow ... the driver had no insurance for Business Use! Credit Acceptance wanted it fixed by who ever. I will have to take this truck and driver to court.
Over the past three years I have reported to all three credit companies on inaccurate information and accounts being reported. Equifax is the only company reporting inaccurate information after having reporting this issue to them more that 7 time. They have fail to provide written proof of signature or any valid proof between myself and these companies who they claim I have debt with. The other two credit companies have investgated my claims on these same accounts and have since removed them due to lack of absolute proof that these accounts are mine. Also the amounts on these accounts have gone up since I first reported one being this XXXX XXXX that I have never lived it started off at XXXX and now its at XXXX for a apartment that I have never lived at nor had any contact with they are reporting addressing in the city of XXXX XXXX that I have never lived after they where removed due to inaccuracy, social security number that doesn't belong be me nor have I XXXX XXXX XXXX have ever used. This is the third time this year in 2018 I have reported this. Each time i have side something the all the information in the accounts change dates, balance everything thing and these accounts aren't mine.
Equifax was negligent in how they managed their site security and leaked my information ( along with 143M other people ).
On XXXX XXXX I went online and made a payment to my Paypal Extras Mastercard in the amount of {$490.00} using my checking account debit card as the payment source. I later learned while reviewing my checking account statement that the amount posted to my account for this transaction was {$600.00}. I researched the transaction and discovered that what Paypal did is modify my payment amount without my knowledge or consent. My Paypal account ( not really related to the Paypal Credit Card which is owned and managed by XXXX XXXX ) had a negative balance of {$110.00}. To bring this out of negative status Paypal added this balance to the payment amount I selected and charged the new amount instead of the amount I chose. I notified my bank and wrote a letter to the Attorney General Office of NYS who then forwarded my complaint to Paypal for a response. Paypal indicated in their response that the Paypal User Agreement granted them prior authorization to make this change and so they were acting within their rights. After reviewing the User Agreement and response from Paypal this is absolutely not the case. Paypal acting solely upon their own discretion posted a charge to my bank account that was greater than the amount I permitted. I 'm hoping the Bureau of Consumer Financial Protection can help me bring justice and stop Paypal 's illegal billing practice from happening to other users.
I have disputed the late payment on this XXXX XXXX XXXX for months. XXXX  and XXXX  have reversed them but Transunion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I ordered services from XXXX ( pickup of a package ). The XXXX website malfunctioned and charged me the same fee twice. Then XXXX came back and said there some " additional charges '' with no explanation and without my prior agreement. I disputed the charges with paypal. They stated that there was no unauthorized use because " it was consistent with paypal payment history ''. Seems like no one even looked at it and it's some kind of bot. 



got this email on XX/XX/18 from paypal : An update about your case We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. 



Based on our review, we found this transaction is consistent with your PayPal payment history. 

For more information about these cases, log in to your PayPal account and go to the Resolution Center.
XXXX qualified for Save the Dream Program XXXX. Payments were paid to XXXX XXXX XXXX until XXXX XXXX XXXX when account was sold to Carrington Mortgage then the payments were paid to Carrington Mortgage starting with XXXX XXXX XXXX each month ( they did not receive the XXXX payment until in XXXX or XXXX because They told me Carrington M. Had not returned the paperwork to accept the program. Ohio XXXX contact Carrington M. asked why. I was told that Carrington M said they had not gotten around to filing the paperwork when the paperwork was received by Ohio XXXX they sent them the past due amounts ) thru XXXX XXXX XXXX in XXXX XXXX XXXX i started paying my house payment to Carrington Mortgage. I received a statement stating my house payment increased from {$740.00} to {$840.00} I called and told them this was wrong. My payment was {$740.00} they said i was behind on my payment buy {$2300.00}. i said that not possible my payments were paid by Ohio XXXX. I was told the payments had not been paid. I called Ohio XXXX. The payments had been paid i then receive a statement stating i was {$1500.00} past due. and found out that my payments were placed in an account titled Unapplied Funds with a total of {$2300.00} in it. Because Carrington M increased my payment and held the payment paid, was charging late fees each month and had the money in the Unapplied Funds. I paid my payment on XXXX XXXX of {$790.00} deducted from my account on XXXX XXXX ( all House payments are showing on my bank bill pay as HOUSE for my convenience ) in XXXX i received a statement for the total amount due of {$2300.00} i called Ohio XXXX again they had to straighten Carrington M out again. I paid {$820.00} for XXXX and for XXXX, XXXX, and XXXX and forward i paid {$780.00} each month. As you can see in compareing my XXXX Bank Bill Pay with Carrington Mortgage own records that my account compares to the same payment date of with draw from my account. I paid full payments plus for 5 months meaning I paid in interest over {$2000.00} not the {$1200.00} that they reported to the IRS. I have called Carrington Mortgage since XXXX XXXX Four times about their mistake they tell me i did not pay this much in interest I sent them the same attached information as I have sent you. you will also see where they have charged double interest in XXXX and XXXX. I have my Taxes to file and they are holding me from filing my taxes because their wrong reporting to the IRS what they reported and said I paid is what Ohio XXXX Paid and what Ohio House paid is what I paid they have the XXXX figures switched. They will not listen to me or pay any attention to my statements or their own recordeds. Please help me. I dont know if someone is trying to swindle money or what i just know what I paid and that every since they have had my account they have tried to say im not paying what i have paid and trying to get me to pay more. I need to file my Taxes and my INTEREST PAID ON MY HOUSE NEEDS TO BE CORRECTED FOR ME TO FILE TAXES.
I am requesting the removal of  XXXX  Bankruptcy ( below ) on my  XXXX ,   XXXX   and Experian credit repo rt ( s )  due to Civil Case No.  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX , v.   XXXX    XXXX   XXXX   XXXX   XXXX ,  I  did not know the source of their information on the Bankruptcy and due to this, the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ). Please remove the judgment and lien as soon as possible.     Bankruptcy Ref. #  XXXX
Filled out application online for cheap car loans . .  XXXX  compani es did a credit check without asking my approval.
TransUnion has misinformation on my Credit Report. XXXX XXXX Bank Should show I owe them nothing instead of {$570.00}. After I closed the Account at XXXX XXXX XXXX  they kept adding charges to an already Closed account. XXXX XXXX was also closed with nothing owed And they kept charging the account after it was already closed. 

I want TransUnion to correct these XXXX accounts on my Credit Report to show I closed both these accounts with nothing owed.
Nstar/Cooper is reporting a negative balance and negative account since XX/XX/2013 and the account was taken care of in the loan modification in XX/XX/2013.
XXXX XXXX XXXX offered me the option of One Road Lending to pay off the work that needed to be completed on my XXXX XXXX XXXX. The business offered me this option and I assumed when they were working on the computer that this was an online form and had no idea it was an internet company. I was approved for One Road Lending and was told that I had the option of 12 or 24 months to pay off my loan. I was approved for {$1700.00} maximum and {$30000.00} minimum. At this time I verbally agreed with the shop manager who then stated that my new account number would then be e-mailed to me with a phone number to contact the company with any additional questions. I contacted the company and provided them with my checking account information because they stated they had to make sure I had an active account. They then explained that they would pay the retailer and I would then pay them back. However, at this time no financial figures were provided because at this point we were unsure of how much the repairs would cost. On X/XX/17 I went in to pick up my car and make my final arrangements I was told that the total bill was {$1200.00} for the repairs. This was then forwarded to One Road Lending. The retailer then stated that he could not spread the payments over a period of 24 months and could only do a 12 month span. I then asked what this would make my payments monthly. When I stated that this was 50 percent interest he stated that nothing could be done by the retailer and I asked to contact the loan company. I tried to reach out to the loan company over a period of five days and only was able to reach a voicemail that stated that the company is currently closed. The day I picked up my car I also could not get in touch with anyone from the loan company. I tried contacted the collecting company and they stated they could not help me and I would have to work through the lending company. I paid the {$200.00} to get my car back and the manager stated that the contract would be sent to me via e-mail. I have reviewed the contract and have decided not to sign it. Total I would be paying {$2500.00} plus an additional {$170.00} at the end of the loan. I am confused regarding the difference between a lease and a loan as a " closed end consumer product lease '' is stated on the loan. On X/XX/17
I have these  XXXX   Reports b y  XXXX   Collection Agencie s whose address are :  1.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , NY  XXXX    XXXX   XXXX   XXXX   XXXX    2 .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , NY  XXXX    XXXX   XXXX   XXXX   XXXX   I contacted them today that these bills are supposed to be paid by my   XXXX   XXXX    :    XXXX   XXXX   XXXX   XXXX   XXXX   but seems to me that they wo n't consider it. They are attacking me by using a Credit Report thus would give a handicap for me in borrowing or just an approval for medical needs. It is so very alarming that I am going to be  XXXX  this  XXXX  therefore have to get by with  XXXX .
Account appears on my record is not correct, this account was paid in full. The company is XXXX on my credit training report.. the collection agency is XXXX XXXX Ny XXXX
I received notification on   XXXX    XXXX  2017 that an account from   XXXX   XXXX   XXXX   was removed from my credit reports and was then added back on  XXXX   XXXX , 2017. The FCRA requires If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item. I was never provided any notification directly from the CRA 's prior to this debt being reinserted into my credit file.
I was inquiring about a home equity line or loan to be in second position and was clear about not wanting to touch my first mortgage. I asked directly and specifically if they do straight 2nd mortgage liens and helocs and he said yes. I told him about another lender only offering a new first and I didn't want that. He said, that is what we specialize in, second mortgages. So based on that information, we applied. After our credit was pulled, he said he would be reviewing all of our application information and get back to us. We scheduled an appointment and when we spoke, he said we can offer you an $ XXXX home equity line of credit but we need to refinance your first mortgage and it will be at a higher rate and payment than what you currently have. How is this not a bait and switch? I told him so and asked that they remove the inquiry and he said he obviously misunderstood what I was looking for ( the conversation was supposed to be on a recorded line ). I want the inquiries that are now reducing my credit score to be removed as I was lied to and convinced to apply based on false product offers.
I was browsing the internet and came across a company ZocaLoans and was in a financial burden I took out a small loan for XXXX $ and the company mislead me the interest rates were very high which was not stated initially and the payments dates were twice a month cause me to be in more of a financial strain. Right now my balance is XXXX  which is outrageous can you please help me resolve this problem this loan was given to me 75 days ago
XXXX XXXX - originally reported an account to the Equifax. It was a apart of an auto accident which settled. As a part of the settlement they agreed to delete the account from my credit file. They received the payment and removed the collections from their account and requested it to be removed from my credit report in XX/XX/2018. As of today, Equifax is still showing the collection. XXXX XXXX along with myself contacted Equifax. They stated they are still showing XXXX XXXX  reporting it. XXXX  stated to Equifax, it is not showing on their end and they are not reporting it. They sent a letter to Equifax requesting it be removed completely because it should not be reporting at all. Equifax is refusing to remove the collection. The amount is for {$31.00}. The original debtor was XXXX. Even through escalations to a supervisor and manager within Equifax, they still refuse to remove it even though XXXX is demanding it be removed.
Wells Fargo customer. I have two credit cards on my account that I do not recognize. 
I discovered information on my XXXX credit report.
The account in question has been closed since XX/XX/XXXX. However, starting in XX/XX/XXXX, my credit report was changed to show that I had late payments for XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not true, every single payment was made on time and deducted directly from my checking account on the XXXX of every month. I disputed this with the credit bureaus and they did fix it to show all payments made on time and no XXXX days late payments were ever made. This event reduced my credit from XXXX to low XXXX 's for a few months while it was resolved. 
In XXXX of XXXX, again my credit report was changed to show now that I was XXXX days late on payments for XX/XX/XXXX and XX/XX/XXXX. Again I have disputed this with XXXX, and they are investigating it. XXXX does not show this at this time. I am not sure what XXXX shows as I have no free access to their credit report at this time. 
I have called XXXX XXXX XXXX twice now, and they keep saying they are not the ones making these reports. XXXX XXXX XXXX also states that my payment history is perfect and I have never been late on any of my payments. Yet my credit report is still wrong.
This is in response to company 's reply to case number XXXX : We were not advised of ANY of things the company mentioned in their response to my complaint. The company of record which I desired a business line of credit for was Base Operations, an 8 year old company at that time that had XXXX XXXX XXXX as well as XXXX XXXX and XXXX Business credit lines reporting at the time of the request. I was looking for a business line apart from my personal consumer credit profile, not BASED on it. While had expected my company 's credit to be hard pulled and maybe a soft pull on me to verify ownership, I never expected a hard pull on my personal consumer credit report. I strongly recommend reconsideration and respectfully request and update.
I have been working with ditech regarding selling my home. The property has lost value and the people that have been occupying the property have stop paying. This has cause a ripple effect in my finances and I have fallen behind on payment.s. The person that I was told to contact, ( XXXX ) has been non responsive, Other accounts reps have informed me that they will tell her, however, I recent receive a notice in the mail that the house would be going to auction. I have tried hard to keep the house, until it can be sold.. I have not be able to reach anyone from ditech. They patch my calls to a line, that rings, and rings. with no answer machine. I recently hired a realtor to help me sell the home faster, since the loss of value it has made it difficult
In XXXX of 2018 I entered into a payment modification program and set up auto pay with Navient. {$150.00} was supposed to be taken out of my account each month. Navient never set the payments up with the correct information, causing my payments to be late. Was told that a payment was needed by XX/XX/2018 or delinquency would be reported to the credit bureaus. Navient reported to the bureaus prior to the date they specified. When payment was attempted they refused to accept my payment of the past due of {$150.00}. Said that I had to pay {$200.00} and that was the minimum amount that would be accepted. Otherwise they would continue to report to the bureaus for non payment.
I called the collection agency Prince Parker associates located in NC regarding my bill of {$900.00} from XXXX XXXX XXXX XXXX XXXX. I tried to come to a compromise with them on how to address the debt and that I can afford to pay $ XXXX monthly until it 's paid off. The collection agency refused and insisted on collecting $ XXXX monthly. They said that the account will be reported and wo n't work with what I can afford. I told them that I no longer have a full time job and that I would like this account to be resolved before it gets reported to credit bureaus. The lady refused to work with what I can afford.
Hello, I certainly hope you can help me. This problem originally began as a foreclose. We had a mortgage with OCWEN. We tried time after time to modify our loan with no chance of it happening. This was back in XX/XX/2013. They kept losing our paperwork, thus leading to deadlines not being met. We never got to speak to the same person. We were struggling to pay our mortgage and we needed to remortgage it in order to keep our home. Something was always wrong with the documents we sent in or they lost something. They ended up encouraging us to do a short sale and we followed their advice to the letter. In the end, we lost our house to a foreclosure. This was our first house. We moved from XXXX to XXXX  to be with family. A couple of years later we received a couple thousand settlement because they were sued. I am asking for OCWEN to remove their name and account from our credit report. That is it. We can't go back and get our house back. Yes, they should have helped us, they could have helped us, but they did not. They can remove this from our credit reports. It's the least they can do. Please help me.
I have an account with Tower Loan and got behind making full payments. I am currently employed with a company that is changing the pay cycle and relayed this information in a formal message to the home office ( it is difficult to find a phone number for the home office and you must have an extension number for a specific party for the one you can find ). I told a local representative of the company that payment would be caught up by " next XXXX '', which would be XXXX/XXXX/15, when he called me at work. I asked him not to call my job anymore and, of course, everyday afterward I am told by coworkers that I have been getting calls from someone " desperately '' trying to reach me. I made a payment of {$120.00} today, XXXX/XXXX/15, and will make another on XXXX/XXXX/15. Even after making the payment early this morning I am still getting calls. This company is full of a bunch of harassing bullies. I have paid off a loan with them in the past and did not foresee such poor practice as calling my job everyday. These calls are affecting my work environment and my hours.