WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2018, I bought a phone through XXXX  and paid {$3600.00} through PayPal. The phone was faulty, I followed XXXX procedure and returned the phone for refund. The seller started playing with time. I filled a case with Paypal which was closed without thorough investigations, no contact with me to verify my facts. I appealed their decision several times, Paypal kept saying this decision based on new available information, and closed the case. 
I actually reported the case again to Paypal as fraud, the seller opened communication with me after I opened the case with Paypal. The item was sent back upon request, and he collected the item. After Paypal closed the case, he stopped communication and did not process my refund. I attached the sellers conversations with me during the process, sent to Paypal in email and registered letter and XXXX confirmation that he seller the item back. 
As directed, I called Paypal customer services on XX/XX/18, and spoke to a representative. I was informed that a case will be opened regarding my concern, and that I do not need to do anything, few days after i received a message that the case is closed. The XXXX kept the phone and have not processed my refund. 
I expected Paypal to thoroughly investigate this matter and resolve it, but they did not. I am open to provide you necessary document as needed. 
Kindly use your good offices to resolve this case. 

Thank you.
My consolidation was complete on XXXX/XXXX/17 with Fedloan Servicing. Since then my third party representative has communicated with Fedloan Servicing and they have repeatedly told her that my application is still in process. According to the representative my account was place on an arbitrary hold pending processing. It has been over three months since I have been able to pay back my loans. Every time I call they say it should process within the next week and yet, here we are and it still has not processed. I called in on Wednesday and spoke to one of the women in the escalation department and she illustrated that it should finalize before the weekend, today I called and it still has not finalized and another representative told me it should take another week. I do n't have the patience to keep waiting on something that was supposed to process months ago. This is unfair to me as in the meantime my loans accumulate interest. This needed to be resolved months ago- I should n't keep being penalized for their " system error ''.
Asset Acceptance is reporting the incorrect Date of First Delinquency for XXXX accounts on my credit reports. They are reporting the dates of first delinquency as XX/XX/XXXX. I have contacted the original creditor XXXX XXXX and have both verbally verified and now have physical proof that the date of first delinquency is XX/XX/XXXX. I have contacted Asset Acceptance Corp. on numerous occasions and given them a chance to rectify this. I have contacted them personally and I have contacted them through and with customer service representatives from XXXX, XXXX and XXXX. When I provided the proof to the representatives from the credit bureaus, they even agreed with me that Asset was reporting incorrect information. I am tired of going around in circles with them regarding this. It seems as this should have been corrected a long time ago. As a XXXX veteran I do not need the additional stress that this has brought upon me! It has become obvious to me that Asset Acceptance operates under there own set of rules and does not care if they violate the FCRA.
I had a couple of " late '' payments ( did not go over 30 days ) with XXXX XXXX XXXX To alleviate this problem, I set the account up on auto pay. Supposedly, something was wrong with the form when they received it. Instead of contacting me to let me know this, they did not take the next payment through auto draft, cut my credit line from {$1800.00} to {$500.00}, and reported me to credit! Obviously I am not trying to run from this account -- I tried to set up auto draft, and have always let them know my address changes ( I have moved twice in the last month, three times in the last six months. ) They have my current address on file as always.
Since there were three weeks between them receiving the auto draft form, and the next payment being due, I feel they should have not reported me to credit -- and instead called me and let me know what happened ( that i had left something unchecked on the auto draft form. All it was was the section that states whether I wanted the entire balance deducted, or the minimum payment. 

All of this on a balance of about {$250.00}, with a payment due of about {$25.00}! The account was NOT in collections -- it had just had a couple of payment lapse into the grace period. 
We are professional people, always employed since graduation from college in 1987. We own two homes free and clear, a car free and clear, and not only have no bankruptcies, repos, or foreclosures, we have no slow payments or missed payments except this one, and it should not have happened.
A collection agency is reporting on my credit. I attempted to contact them via physical mail regarding this issue without response. I would like to verify this debt is legitimate & if so, agree on a settlement
XXXX XXXX is listing an incorrect account on my credit reports and refuse to send any validating information to prove the information they are reporting. I have requested details of the account summary, details of the interest rate and how they reach the balance on my credit report, and also validation that this is my debt. They have failed to send me validating information, but continues to report on my credit reports. I have also complained that the payment history is reporting inaccurate as well, but Transunion and XXXX XXXX continues to report inaccuracies on my credit reports.
On XX/XX/XXXX I received my monthly mortgage statement from Citizens One Home Loans that I have been paying for on time for the > 7 years. On this month 's billing statement was a line item that said " Borrower Recoverable '' {$800.00} I received no other correspondence from the company explaining what this was for. I called XXXX and the customer service department said it says Bankruptcy Attorney Fees. I said for what, I did file for a Ch XXXX reorganization in XX/XX/XXXX but I didn't include this mortgage in the Bankruptcy and my Petition states this home and mortgage would be retained by me and paid my me monthly to the bank as always. 

They said we don't know let us connect you to the Bankruptcy Department, so they did and I spoke to XXXX told me since you filed a BK we had to review it, I said ok, and you seen this mortgage wasn't included and I've been continuing to pay it on time as always no interruption. He said sorry mam that's our fee. I asked to speak to his manger and XXXX said she's not in, I asked for her name and number and he said sorry we don't give that information out. And he suggested I call my own attorney and have him call them if I'm not satisfied with his answer basically it is what it is?? His attitude was like you filed bankruptcy these are your consequences?? 

I said this just doesn't seem fair? Sorry mam that's all I can tell you. So its ok for a misc {$800.00} fee to be added to your monthly mortgage invoice? and I get a vague answer and this loan wasn't even part of the Ch XXXX reorganization? 

I wasn't sent any other notification telling me about this practice from Citizens One Home Loans and my 2 other Mortgage Companies didn't do this?? 

I had to file for Ch XXXX because my husband hasn't worked in 5 years due to illness and I have XXXX children and I couldn't keep up with all our monthly bills, I needed relief and for them to slap me with this additional {$800.00} when I never stopped paying them is just absurd? 

Can you please contact them about the legitimacy of this recoverable? And their lack of proper notice to me about it? I'm am still in financial hardship and for them to pass this attorney fee onto me is just unfair. 

Thank you for your help
Experian credit report states that I opened an account with XXXX XXXX 2006 which is not true. What is the reference number used to support this account being opened in 2006 by this company? This account did not exist
Macy 's refuses to remove unverified and inaccurate information on my credit report. I have disputed this account information as inaccurate with them several times and they were never able to validate this account. I was given no evidence of my obligation to pay this debt to this credit card company.
They are scammers targeting elders like myself that they perceive to be vulnerable -- those that are isolated, lonely, physically or mentally disabled, unfamiliar with handling their own finances.
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Im also contacting   XXXX   XXXX   XXXX   for help.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
I have a loan out on a Car and also a Credit Card that I pay on time every month. I called the credit company and they said I have XXXX accounts and no credit history. Last year when I chacked my credit Score was at XXXX. XXXX are XXXX of the accounts I speak of.
Credit history showing {$100.00} medical debt which is not mine. I pay my medical copay by debit or check on day of appointment. I am requesting more information on this due amount. 

I also do not use the name of XXXX XXXX XXXX and I have never resided at : XXXX XXXX XXXX XXXX, NY XXXX
I have a private student loan with AES. 
The original lender was XXXX XXXX XXXX. 
The original loan amount was for {$16000.00}. 
My balance with a few deferments here and there is now {$24000.00}! I make my payments every month and they keep increasing my balance. They harass me and tell me that I am late on a payment when I am not. 
They are reporting a double balance on my dad 's credit as the cosigner. The way they are amortizing the interest has to be criminal. I was attending XXXX XXXX XXXX XXXX college at the time I took out the loan.
I have had this card for years with Chase freedom. Always have paid on time. We have had a XXXX balance for a few months and put a camping reservation charge on. During sometime they switched my billing to paperless with out my approval. I did not receive my bill then received a late fee notice, also putting me in delinquent status. I called and they switched me back to mail billing and sent a bill. Also was told the fee would be reversed. We then payed more than half of what was owed, {$45.00} of {$76.00}. We payed this 2 days after receiving it. The next bill came in the mail the following month. They charged another late fee along with reversing the original fee. I called and they said we did n't pay the minimum payment. They said they could do anything about it. Even talked to the supervisor. I canceled this account on the spot! This can not be legal..
My identity was stolen. I learned this from a credit monitoring service which informed me of XXXX requests for credit reports in the past few days. I did not initiate these loan requests. XXXX of the requests for a credit report was from Synchrony Bank, which provides credit cards for various retail companies ( i.e., The Gap, JC Penny, etc ). When I tried to talk with Synchrony to dispute this, and to alert them that it was fraud, they could not help me because I did not know which credit card was involved. I explained that I could not possibly know, since the request did not come from me and was fraudulent. The credit reporting company, XXXX, only has that the request came from Synchrony Bank. I have tried several times today to explain this to Synchrony but they say there is nothing they can do. They did put me in touch with " customer service '' but that is only an automated service that requires me to input my credit card number, which of course I do not have. This is ridiculous and is unfair to me -- I am the victim here. I just want to alert them and protect my credit rating. Any help you can give is greatly appreciated. I am writing this at the suggestion of the Maryland Office of the XXXX.
Benuck & Rainey threatened a dishonorable discharge from the military if I did not pay this debt. That is not the case, and I do not appreciate someone threatening something against my military career. Especially when they have no idea how the military works. The medical facility I owe a debt to did not process my insurance claim properly, and has refused to take the proper steps to do so. They did not contact me by mail, phone or email to tell me they were having a billing issue. I did not get any medical statements as well.
A credit card was opened in my name fraudulently and I am having a difficult time to get Best Buy/Citi to close the case. In the meantime I have asked 3 times for a copy of the signed application with no luck. They have told me that the individual that applied for the card did so in-person, so there is a paper copy of the application with a signature.
XX/XX/XXXX Received approval notice for Citi Double Cash Mastercard XX/XX/XXXX Activated card successfully via phone number on front of card XX/XX/XXXX Used card for purchases at a diner XX/XX/XXXX Attempted to use card at a XXXX XXXX in XXXX, Pa only to have it be rejected XX/XX/XXXX Called Customer Service and was put on hold for over 10 minutes, after telling me they had to " verify my account ''. Gave them name and number of another credit card ( as requested ) other than Citibank and was placed on hold again for a long period of time. Called me back and got another person REQUESTING THE SAME INFORMATION!

XX/XX/XXXX Attempted to go online to verify my account and SERVER WAS DOWN.

XX/XX/XXXX Called Customer Service only to be told that they HAVE TO VERIFY MY ACCT!
ORIGINAL DISPUTE : XXXX Print complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2019 Consumer Number : XXXX Case Number : XXXX It has been well past 15 days since this was submitted to LexisNexis and i still have not received any results nor have they update the original dispute with the requested documentation. LexisNexis has now violated the regulations set forth in FCRA. You had 15 days it has now been well over 30 days since submitted, 28 days since you received it.
There is a collection listed by AD Astra Recovery collecting for a XXXX which is not mine I have disputed and requested validation and nothing has been received. Please help
I signed up for a membership of XXXX/month at crunch fitness gym. They stated it was a month-to-month basis. It is also advertised as month-to-month. I stopped going to the gym. I called to cancel my membership. They told me I had to go in person, so I went in person to cancel my membership in XXXX 2015. A year has passed and I never received any notice, notifiying me that I have any further financial obligations with their company. Since then they have hired the services of a debt collector to collect on my account. That firm known as Aldous & Associate 's levied my account. They took money without my consent. First of all I never owed them any money. Second of all, if I had, why was n't I notified? I was never contacted by phone nor email. They are claiming that I owe {$110.00}. I would like to know why if they stated their membership is XXXX/month. No contracts.
Company withheld knowledge of data breach from customers for 2 months drastically increasing the damage potential to XXXX citizens. Credit company improperly safeguarded and released my personal, financial, and employment data without consent.
When I paid the loan off in full, early. They reported my account 30 days late and can't provide me with proof. Tried three times with the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Sc XXXX. Reported to Experian credit Agency, but they never investigated much, just made a phone call. Have all canceled checks to show proof on my part but no effort has been made on either party.
I would like to report multiple cases of debt re-aging by the XXXX. I have disputed with both Experian and XXXX multiple times, and in each instance the XXXX alleged debts are " verified '' and are allowed to remain on my credit reports. Now when I try to resubmit the disputes ( for at least the fifth time, possibly more ), I get a message from Experian 's website stating the items have previously been disputed and that they will not process duplicative disputes. The dates of first delinquency have been changed and made more recent on multiple occasions, allowing the erroneous " late payments '' to remain on my credit reports indefinitely. The true dates of first delinquency are well beyond a decade ago, and I continue to be penalized for these debts from XX/XX/XXXX ( this is XX/XX/XXXX! ). They are also erroneously reported again on my XXXX credit report as duplicate accounts with still more late payments reported by Dept of Education/XXXX.
Equifax has data breach problem, and promises free for a TrustedID XXXX protection. I have been trying to register for the service since XXXX XXXX, and had called several time to solve the so-called " system not available '' issue, and has retried many times, and still got the same responses. Please help me to get protected from their mistake.
I work at a XXXX XXXX  Rhode Island and this claim is being filed on behalf of a client. We were helping the client sell her property via a short sale. The complaint is against XXXX XXXX XXXX XXXX XXXX. Their phone number is XXXX You only have an option for XXXX XXXX XXXX. We went through the entire process with them and they went through their Mortgage Insurance Company who approved the short sale.

XXXX XXXX XXXX was the servicer. XXXX XXXX  is the Investor. After the MI Company and XXXX XXXX XXXX  were satisfied that our client deserved the short sale they directed me to XXXX, an online portal to work XXXX XXXX Short Sales. I have been working short sales with XXXX XXXX   since XX/XX/XXXX.

After going through the process my contact at XXXX XXXX said the short sale is approved and I could expect an approval letter from XXXX XXXX XXXX   within 5 business days. I was in constant contact with XXXX XXXX XXXX and I kept being told to expect the letter any day. This went on for 40 days. I finally got a call from a supervisor at XXXX XXXX XXXX  who said the MI company changed their mind. I contacted the MI who said they had not changed their mind. I escalated the matter with XXXX XXXX  who could not resolve the situation. Now there is a foreclosure date and our client wants the short sale approval that was promised so she will recover more quickly from this financial nightmare her ex-husband put her in. Any help would be greatly appreciated.

Please contact me for more information.

What would be a fair resolution to this issue?

For XXXX XXXX XXXX XXXX XXXX  to issue the Short Sale Approval as promised.

I want the CFPB to publish this description on consumerfinance.gov
The is was a Private Student loan I got when I was attending XXXX XXXX in XXXX back in 2007. I had to drop out of school due to me losing my job and trying to stay afloat and provide for my family. My financial situation got so bad I had to file chapter XXXX bankruptcy.. At the time that Private Student loan was with XXXX XXXX XXXX Once the bankruptcy was clear I started to pay them back month but XXXX XXXX was still reporting negative things on my credit report preventing my credit to rebuild and I was unable to go back to school.. I made countless attempts for them to stop reporting negatively while I was still paying but the negative reports continued. Since I was n't getting anywhere with XXXX XXXX I decided to give up. Since then the account was taking over by a company called Navient once this happen I started to get nasty phone calls from collection companies threatening to garnish my wages. I let them know I can not afford to pay them monthly due to me living pay check to pay check. I also let them know I do n't have any money to settle this account. Once Navient took over the account they reopen the account on my credit report started to report delinquent every month and now they are placing this account as a open Collections account. I had to relocate for work so I can continue to make money but I 'm getting hunted with this in my new state. I can not even get a place to live I have to stay with friends and family..
I do business with XXXX I have reported them multiple times about fraudulently going into my account I called American express and told them I did n't give them authorization to go into my account on XXXX I did n't get paid til the XXXX how did they authorize a charge that I did n't say was approved before I got paid they have not given no answer and wo n't refund my money because they stated I do business with the company.
On Tuesday, XXXX XXXX, 2017 I tried to use my Bank of America credit card to make a payment of {$750.00} to XXXX XXXX to purchase a flight to XXXX. This transaction was declined WITHOUT a representative from the financial institution calling me to confirm that I was, in fact, trying to make this payment. I had n't even reached 20 % of my credit limit for the month, and even with the purchase, I would still have 80 % of my credit limit remaining. I have never encountered an issue like this before. My credit score is higher than XXXX and I have never missed a payment! This is absolutely unacceptable and I feel that their practices are predatory.
Sent to Equifax : Thank you for offering Trusted ID, since my information was compromised. I am having a few problems and I ca n't seem to get anyone to help me. 

When I log in to Trusted ID Premier, underneath Credit Lock Status, I see that an error has occurred, and I am told to email customer.care. I get no response. 

When I click on my credit report, I see a few items that I have disputed, but no changes have been made. I have made 5 requests - I ca n't log in because of the error, but I call at least once a week. I have mailed and faxed repeatedly, and whenever I call, I am given a different fax number. Some numbers I have been given never answer. I have been put on hold for hours, been hung up on, and been told to fax additional documents, which I have done, but there is still no resolution. 

I paid {$500.00} to get my home appraised, and my refi was declined because I have all of this outstanding debt - which is not my debt. I understand that companies have 30 days to fix errors, but what if the mistake belongs to the credit bureau? I have been trying for months. 

The specific items : XXXX, XXXX - this is not my loan in Texas. It belongs to a person named XXXX XXXX. My mortgage is with XXXX XXXX : XXXX - this is not mine XXXX XXXX - not mine XXXX XXXX : XXXX - not mine - I do n't have a car loan, but my prior loan was with XXXX XXXX XXXX : XXXX - not mine XXXX XXXX XXXX : XXXX - this is not mine If you scroll down to associated addresses, I have lived in the NC locations, and a person, who I have never met ( XXXX XXXX ) lives in Texas. Please remove those Texas addresses. 

My social security is : XXXX XXXX XXXX 's social is : XXXX My birthday is XX/XX/XXXX XXXX XXXX 's birthday is XX/XX/XXXX I have fax confirmations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I do n't have receipts from mailing documents as I assumed this would get fixed.