WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted First Advantage regarding an Alias they reported I used and have a criminal record under. They repeatedly deny having issued a report or claim to have no access to it.
After multiple requests, Paypal has refused to permanently close my account. 
I maintain a {$0.00} balance. I find Paypal 's actions contemptuous and egregious. 

I ask that CFPB forward this case to The GEORGIA 'S DEPARTMENT OF BANKING AND FINANCE to consider imposing sanctions including REVOCATION, WITHDRAWAL, or SUSPENSION of Paypal 's License with GEORGIA 'S DEPARTMENT OF BANKING AND FINANCE. License # XXXX. 


My complaint is as follows : To : XXXX XXXX XXXX XXXX, Operations CounselPayPal, Inc. 
XXXX XXXX XXXX, Nebraska XXXXPhone : XXXXMr. XXXX, I received your response to my CFPB complaint against Paypal. 
In your answer you mentioned that PayPal considers this matter resolved, however an unresolved matter from my complaint remains unanswered. 

The remaining issue is that Paypal decided to NEVER close my account. 
Despite that I have never had a negative balance, Paypal refuses to permanently close my account. I find this egregious and illegal. 

Again, I ask that CFPB forward this case to The GEORGIA 'S DEPARTMENT OF BANKING AND FINANCE to consider imposing sanctions including REVOCATION, WITHDRAWAL, or SUSPENSION of Paypal 's License with GEORGIA 'S DEPARTMENT OF BANKING AND FINANCE. License # XXXX. 

Thank you,
I have credit inquiries that I did not authorize on my Experian report that were previously disputed with XXXX. I would like them to be removed permanently as soon as possible.
Ameritech Financial, and or XXXX XXXX XXXX XXXX ( XXXX  ), lead me to believe they were a loan servicer for the Department of Education. I had no idea they were not a legitimate servicer until I received a noticed from the Federal Trade Commission in XX/XX/XXXX, stating Ameritech Financial/XXXX  is being sued by the FTC for deceptive practices. I immediately tried to login into my FAFSA account, as noticed stated to do, only to find the password I last known it to be, had been changed and non of my verified information was up to date. Upon much needed research, I called Student Loan Support Center on XX/XX/XXXX, when a gentleman named XXXX helped me to gain access and control of my FAFSA account. He also confirmed the lawsuit was legitimate and the following fraudulent activity. I had no idea that on XX/XX/XXXX, Ameritech Financial/XXXX filed an IDR on behalf stating I have XXXX children, XXXX other dependents, and an annual income of {$43000.00}. Which is a complete lie. I have never wanted children nor do not have any children, I was single and living alone, and earning {$45000.00} at the time. Then, on XX/XX/XXXX, they re-certified the XX/XX/XXXX IDR stating I had XXXX children and XXXX other dependents with an annual income of {$49000.00}, and that I worked for a public service company. Again, do not have children, nor dependents, I have never worked for a public service company since I have been out of college, and I do not believe they filed the correct annual income. From XX/XX/XXXX to XX/XX/XXXX, Ameritech Financial/XXXX charged me fees totaling {$3800.00} ( attached ) for services the government apparently offers for free. While Ameritech Financial/XXXX acted as a sponsor, they used the following service agents to process fees : Global Client Solutions and Account Management Plus, in connection with Reliant Account Management. Ameritech Financial/XXXX enrolled me in federal programs that I did not qualify for leaving me no capability of actually paying down my loans, and or the accumulating interest causing me {$3400.00} in capitalized interest ( attached ). These unlawful and defrauding acts of defamation, along with consumer and systematic abuses, has caused me immense pain and suffering, emotional distress damage, and mental anguish. I feel extremely violated, embarrassed, grief, XXXX, and XXXX. Not to mention the hours of research and time this whole process has taken away from my means of making a living. I am an accountant, this is quarter end, and making time to address this unfortunate situation has been an impediment on my career.
I have asked NUMEROURS times for this company to send me VERIFICATION with MY signature authorizing THEM to have a contract me me, to owe this debt, and each time was sent a statement with my name, birth date, and debt owed ( This does not verify my debt ) The original company has written off this debt, and I have been in communication with them over this, I DO NOT OWE this debt. They can not verfity it because of the simple fact of HIPPA law in which my signature and medical issues were not disclosed. ANYONE can get my info and say I owe a debt. I want this collection OFF my credit reports ( all three bureaus ). VALIDATION and VERIFICATION are two totally different things and this company has YET to show me PROOF that I woe this debt to them ( I do not owe this debt to them ) If this is not off my credit reports as deletion, I will take legal action against this company for the continued letters/phone calls/ and not being able to verify this debt belongs to me OR me and this company has written contract stating i owe the debt to them ( meaning a SIGNATURE on the debt or between me and them ) I will take full legal action against them. I want this off my report ASAP, and no future letters/calls/etc. I am not the only consumer who has been repeatedly contacted by this company. Thank you.
A medical bill of of {$370.00} owed has been fully paid but the collection agency has incorrect balance, payment record and history. I had called and disputed the reported debt on the credit bureau, still it has not been corrected and continues to impact my record negatively.
National credit systems, i have never receive info of the debt send out letters and never got an answer, i live in tx and this company is ingeorgia? Is this legal?, try to make contact and never got an answer from them, only threats.. they said i owe money to some apartments but there is no record of this, no apartment lease renewal, or anything, i was allready living somewhere else. This is ruinning my credit they charging me {$3100.00} and never receive a proper info on this.
I have had a mortgage with Ocwen Mortgage, Loan # XXXX since XXXX ( been a homeowner since XXXX - NEVER made a late mortgage payment EVER ). In XXXX I applied for and received a HAMP loan through them. For the past year I have made multiple calls attempting to get the {$5000.00} I am owed for paying my mortgage on time which I should have gotten after the XXXX ( XXXX ) or XXXX ( XXXX ) year, which was part of the deal. I have my mortgage deducted automatically every month on the XXXX for the current month ( so XXXX XXXX was deducted/paid on XXXX XXXX for instance. ) I have gotten a constant run around from Ocwen. On XXXX XXXX, XXXX I was handed over to escalation manager XXXX, XXXX, who assured me I would receive the {$5000.00} against my principal by XXXX. When I called back on XXXX to see how everything was going, XXXX had left the company and I had to start over. I spoke with XXXX, XXXX, who escalated my case to the Concern Department. On XXXX XXXX and I spoke and he guaranteed I will get my money - he just needed a few more days to research. I had to call back over and over - sometimes he returned my call and sometimes not. Today - XXXX, at XXXX CT - he told me that I paid my mortgage late between XXXX and XXXX so I would not be getting the {$5000.00}. I asked how that can be when I have it automatically deducted each month. He would n't listen and said I would get a letter in the mail. If you look at the documentation I will attach you will see my mortgage payment is taken out every month on the XXXX ( statements show a day or two later for it to clear ). However, if you look at the transactions they have on line ( also attached ) it will make your head spin. They clearly applied and then deducted/suspended many many times over the payments I made. And now they have sold the mortgage to XXXX XXXX XXXX so I am stuck between the two. I 'm hoping you can help!
somehow a local hotel billed my credit card by mistake for a business associates room. They admitted this was a mistake and would reverse the charge - but have not yet done so. 

The problem is that Chase does not, and will not file a report or dispute on this, dispute the charge not being approved. 

The number given for fraud or to report a charge would only hang up. After 30 minutes trying other numbers I was finally directed to someone who directed me to someone else, who would not file a dispute, and when I asked to speak to a manager, he hung up on
I have noticed AFNI, Inc, and told them to CEASE and DESIST and I've demanded information from them as well as demand that they delete this account from my credit file.

I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with AFNI, INC or anyone they claim to represent. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
today XX/XX/XXXX advantage collection professionals called me stating I owed over 1300 hundred dollars from where I had XXXX  in XX/XX/XXXX. I called XXXX XXXX XXXX in XXXX ky XX/XX/XXXX XXXX looked at my file and said I owed nothing to them, that if I did owe anything not paid the business office would contact me before a debt collector. So then I called XXXX XXXX which I paid off the rest of my eye bill XX/XX/XXXX of XXXX. They put a note that bill was paid in full and no balance owed on that card. Not sure if this is a scam or what just want it sorted out. XXXX was paid in XXXX and XXXX was charged on XXXX XXXX which I have already paid off in full.
The Regional Adjustment Bureau, out of XXXX, TN has apparently taken over a debt that is in dispute. In an attempt to collect on this bill, they have called me, my employer, my adult son, and who knows who else. I have asked them to stop. I told the collections agent that I am disputing the debt. He continues to harass and try various methods to collect. He told me that I HAD to talk to him, that I had to DEAL with it. I do n't even know what the charges are supposed to be for. I believe that it is from a XXXX account that I cancelled and XXXX continued to bill. I requested multiple times to have them send an explanation for the debt, so I could verify and document what it was for, but I have yet to receive it. I have disputed it on my credit report. I have 100 % on time payment record. There is no call for this kind of action. I would like it to stop.
I was gifted a {$100.00} XXXX XXXX XXXX XXXX XXXX for XXXX. When I attempted to make an online purchase with the card, the purchase was declined. I logon to the website used to check the balance of the card and the balance reads XXXX, with a charge from XXXX in amount of XXXX, zeroing out the balance of the card. I contacted XXXX customer service and they said they would email me a dispute packet that I should return to them after filling it out.
I have been attempting to work  with Amazon ( Synchrony ) Store Card fo r over a year now. I have called multiple times to discuss misleading advertising regarding their advertised percentage off purchase through them, predatory late fee s ( which they enact one s econd past  XXXX   XXXX  EST on due date ), rude, unhelpful, or non-understandable customer service, and refusal to transfer me to the right department to resolve my issues. When I tried to work out a payment plan when they refused to drop a false late fee, I agreed to the plan as long as they could guarantee that they would stop reporting to the credit bureaus as I was truly attempting to pay off my small debt. They have said, in all instances, " there is nothing we can do '' as well as " we will continue to report even if you make your agreed payments on the hardship plan. '' The most notable issue started when I could n't pay them when I tried because their web server glitched   for two months in a row in 2016. Their main attitude is that they simply do not want to work with their customers or provide customer satisfaction.
Note : I have contacted   XXXX   as well, and this complaint in no way reflects   XXXX   's excellent customer experience. Synchrony bank on my other accounts with other companies has also been easy to deal with as far as payments, truthful advertising, and friendly and helpful customer service. The Amazon Synchrony Store Card is engaging in predatory lending and misleading advertising.
An acct was opened in my name with Capitol One. Once I discovered this, I informed Capital One that it was not my debt. The account was charged off at some point and removed from my credit file XX/XX/XXXX. I received a notice from XXXX XXXX XXXX on XX/XX/XXXX questioning the debt. i informed them in writing to stop calling me constantly about this debt. I also asked them to verify this debt in 30 days. They added the debt to my XXXX credit files XX/XX/XXXX without providing proof that the debt is mine. The credit bureaus continue to report this debt and state that is valid. XXXX XXXX XXXX only sent me a collection letter and a capital one statement from XX/XX/XXXX as verification on XX/XX/XXXX. Which is not validation of this debt. I responded to their letter on XX/XX/XXXX asking them to remove this debt from their records and my credit files because they did not validate this debt with me. They just added it on my credit file as they saw fit.
I purchased a house in XX/XX/XXXX, and refinanced with GMAC XXXX in XX/XX/XXXX. In XX/XX/XXXX the account was in default and I filed a ch. XXXX BK in XX/XX/XXXX to stay the foreclosure. In XX/XX/XXXX, I modified my Ch. XXXX and surrendered the property. In XX/XX/XXXX my BK discharged an I was relieved of any and all debt on the property. GMAC themselves went into BK and reemerged as Ocwen Financial. No foreclosure took place on the property, and in XX/XX/XXXX I was sued by Ocwen in Oregon in a Judicial Foreclosure process to collect a debt that I do n't owe. As a result of the lawsuit, a judgement was obtained, and Ocwen foreclosed on the property to collect from me on the judgement. Furthermore, that foreclosure process and judgement are now a public record and are preventing me from both FHA, and XXXX financing on a new home despite exceeding the 4 year post-discharge waiting period. The act of Ocwen to delay a deed of trust forclosure process while within the confines of my ch. XXXX BK, and the filing of a lawsuit to collect, on a debt that had been discharged, is preventing me from being able to purchase home. Ocwen has shown disregard for the protections offered by the bankruptcy process and has caused me both financial and emotional harm.
Since consolidating student loans XX/XX/2001, I have consistently been mislead by Navient. I currently have 2 consolidation loans with them. These are my complaints.
1 ) Navient has failed to correctly apply my payments and extra payments to my account. While stating that I would be able to skip payments if I preferred, they falsely set my loan repayment counter to zero So I had to start over in repayment phase. 
2 ) poor customer service and misleading information which lead to a bad outcome. This has set me back and caused me distress.
3 ) Navient automatically put me on 30 year payment plan without consulting me to maximize interest.
I am working with an extension of loan modification with Wells Fargo on a XXXX mortgage due to being unemployed since XXXX. I have had problems with the loan preservation specialist not returning calls, not checking her email for executed documents and stating I have never complied, to which both of these were escalated to the manager. Now all correspondence is submitted to both the specialist and the manager as cc. 
The latest is a problem I have with Wells Fargo and the XXXX. I have attached their instructions and the form that I sent back. The instructions would lead a person that is less then prudent to believe this is a blank form, and they address line XXXX as " This does not apply. No action is required. '' But in fact they have altered line XXXX to an address and phone number that is not the tax payers. I believe this should be disclosed to the borrower in the wtitten instructions. Also, they in advance checked box XXXX. but I have unchecked it and have checked what I feel is appropriate and the year as well. My hunch is that they will still request my records and ignore my request, but I feel they should be directed to better inform the borrower of the alterations and the intent of this form ( XXXX )
On my credit report both trans union and XXXX both have XXXX of the same thing on my report ..they are hard inquires for the same car some are done on the same day..I bought a car in XXXX XXXX ..there are XXXX hits for that XXXX car?? Should n't there only be XXXX? Also I bought another car XXXX XXXX there are multiple hits for that same purchase done in the same week.. Please advise me on what I can do if I can do anything?
I was a victim of Transunion 's Inquiry issue! I contacted their customer service department and they would not help take care of the negative inquiries reporting on my credit report. 
XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised that I have received your correspondence dated XX/XX/2017 This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. <P/>I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. Awaiting your reply in a timely manner. Sincerely, XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Convergent Outsourcing is reporting this account on my credit report for a collection with XXXX in the amount of {$140.00}. This account was previously owned by XXXX and I got it deleted from my credit report as it was a bogus account they could not properly validate or verify. Now I checked my credit report and saw the Convergent Outsourcing reported this account too. How can they do that without notifying me first?
XXXX XXXX XXXXXX/XX/XXXXVoluntary Repossession Sold & Charge off in XX/XX/XXXX. The Amount keep going up starting at XXXX  and is reporting inaccuracy now as XXXX  and steadying increasing. I need them to stop reporting inaccurate information to credit bureau and I would like it removed immediately.
paypal ram roddded my XXXX account incurring XXXX fees repeatedly, then refuses to pay the merchant so assigned the draft for. XXXX should have closed the account, but paypal is at fault here.XXXX has attempted to settle my accounts as an act of good will.When I tell them ( paypal ) to reverse the transaction, they refuse ( nothing but lip service and no way to document a conversation ), my XXXX account gets locked as a side result kiling my internet phone service. THEN, they continue to not only show a negative paypal merchant balance, but proceed WITHOUT AUTHORITY to suck monies from a recently added ( for merchant purchases ) bank account to pay off a credit line held by XXXX bank, not paypal ( drafted my bank account ). They refuse to allow me to delete any other account, despite no longer owning them.
My grandmother is a cosigner for my student loans through Navient, which was bought from XXXX. Navient/XXXX led my grandmother to believe that she would be taken off my student loans as a co-signer due to my XXXX which accrued after signing for these loans. We have a copy of a letter dated XX/XX/2013 sent from XXXX on the procedure of how to be removed from the student loans. 

She received a letter dated XX/XX/2013 stating that she was not eligible to be taken off the student loans because she was a CO-SIGNER. When she spoke with XXXX/Navient in XX/XX/2013 to see what they could do for her situation, Navient told her they were not discussing the loan with her, even though she is the CO-SIGNER. 

She filed bankruptcy in XX/XX/2013 due to financial hardship and discussed this with XXXX/Navient representative in XX/XX/2013. Having these loans is a big financial hardship for her. Additionally, she accrued extra medical expenses to have the doctor fill the form out that XXXX/Navient requested. If requested, we have the Attending Physician 's statement. 

This is causing her a lot of XXXX between family. We have done all that was requested of us to satisfy XXXX/Navient, She should not be punished because they decided to change their policies midstream which it took XXXX/Navient 4 months after I sent in the paperwork to send me a denial. She was told she could be removed back in XXXX and she expects that to happen. When did these policies change before or after my submission of documents? I hope you can help me attain that goal. Please let me know if you need any additional documentation.
XXXX   XXXX   XXXX   is reporting a collection account to all credit bureaus as a collection account that 's in the status as open, it 's also reporting a high balance as {$10000.00} and a balance owing of {$16000.00} and the balance goes up each month ... How is this possible when the account is supposedly a closed collection account