WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX 2017XXXX a person bought merchandise from me through PayPal. The buyer used a credit card on PayPal and made four {$XXXX} transactions and a {$XXXX} transaction. I shipped the items he purchased and submitted the tracking numbers to PayPal. After receiving the items, the buyer attempted to scam myself and filed several disputes with PayPal on the transactions. PayPal started deciding against the buyer and the buyer did a charge back on one item as a duplicate payment to circumvent the PayPal process. I contacted PayPal and they actually stated to me that buyers could do this and there was nothing they could do about it. It was the only way that a person can be scammed on their website. They also stated that the buyer would not be punished for this behavior. I am out {$XXXX} because of this issue and PayPal took the {$XXXX} from my account with them despite having compelling evidence that this was a scam. I requested that I be sent the financial institutions name and phone number that way I could contact them directly and they have refused to provide the information. PayPal must be held equally liable for assisting in a scam.
Back in XX/XX/XXXX, I took out a {XXXX} loan with XXXX XXXX, a payday loan I was pre-approved for through the mail ( with a high interest ). I took it out solely to pay for my XXXX for XXXX. Everything was legitimate with them, up until I could n't make the last few payments due to XXXX funds being immediately requested in order to get my XXXX 's. So XXXX charged me off after three months, and I assumed I 'd eventually get a letter IN THE MAIL about where my account was charged off to, and who I 'd pay. 

Well, I got nothing in the physical mail. I ca n't be clear enough that I received nothing in the mail. Instead, my mom, my sister, and I ALL get a call from someone by the name of XXXX XXXX - stating ( in a threatening tone ) that he was scheduled to come to my home, my sister 's apartment, and place of employment with legal documents for me to sign on XX/XX/XXXX. So I called the number provided to me in the voicemail. The caller ID was " unknown '' but the number they gave me ( and my mom and sister )  was XXXX. I called, and someone immediately picks up. XXXX is apparently my " case manager. '' He comes off nice, but firm about the fact that they need the money up front ( {XXXX ), or they will be taking me to court and pursue litigation processes within the same day if I did n't pay. At the end of the day, I told him that I refuse to pay that amount, or even the settlement offers they got approved until I got something PHYSICAL in the mail, stating that this is the company that XXXX XXXX  has charged me of to. That was the right thing to request, correct? He sent me an email with this " letter, '' and it did n't even have MY physical address on it. It states, " unknown. '' It came off extremely fishy to me - anyone can just send a letter in the email. Their website does n't even work! 

XXXX 

He said that he requested this letter to be physically sent to me, which takes up to 10 days in the regular mail. By then, he says that it will be " too late. '' to do anything about it. I 've never heard such a thing! And especially being from XXXX XXXX, Florida,  my whole family and I were experiencing financial and property damage due to Hurricane Irma. I explained this to him, and he brushed it off. " Oh, I know. '' Very fishy to me. 

My goal is to pay off this debt, even if it is {$XXXX}. But I want to make sure I 'm paying the RIGHT people, and I need assistance in do-able payments. I 'm only a XXXX worker at the moment, fresh out of XXXX, and a recent hurricane storm experiencer, so money is extremely tight - and my XXXX is sky high. Please assist me, and tell me who I 'm supposed to pay, how much, and when. And I want to know if this person that keeps threatening me is actually legally allowed to go to my place of work. Because I work in a place with XXXX XXXX, I do n't need anyone with that kind of tone near them. And I also want to know if XXXX XXXX XXXX XXXX is a legitimate debt collector. I ca n't find any reviews on them online, expect a taken down site and plenty of " scam '' warnings. I may have taken out a loan that I should n't have, but I 've learned now to look for warnings signs with debt collectors that are actually scams.
Inquires not authorized being reported on credit report XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
I tried to register with credit cards so I could see my credit report and score. Well when in want to set up my account and put in my info i got to where they were asking the questions2 identify me and all but 1 of the questions had nothing to do with me so i answered none of the above because it was asking about a mortgage loan companys name and car loan payment amount that I had never heard about or seen before to verify my identity so I thought it was a trick question for both if them so as I said I answered none of the above. Well it would n't verify my identity since it said i got them wrong. Well so then I tried to scan my license front and back as it requested for 4 and half hours over and over to get to my report 2 make sure no1 had taken my identity and a loan in my name but it would n't confirm with the scans of my drivers license either. So tgen I wrote the company XXXX and told thrm my issue and they responded that they were sorry that if I ca n't be verified then I ca n't get and register an account with them for my reports that I would have to request the reports individually on the XXXX websites. So i went to the XXXX bureaus I requested all XXXX. I only ended up with my XXXX report and none of the otuer XXXX because I had the same problem with 1 of them in answering the verifying personal account questions and the other said i already requested my report this year but i did n't the only time I have applied was to XXXX and i never made it thru 2 get or request my reports on their site. So I 'm having MAJOR issues and I 'm worried that this is happening that some1 has likely gotten a hold of my identity and need some help getting 2 the bottom of this please ... .ASAP if at all possible im case it is identity theft. Thank u.
I submitted disputes to Transunion regarding some items that are incorrect, they completed an investigation however the items remained. How can they remain if they are incorrect, I have successfully been able to remove from the other reporting agencies.
I have student loans and they were defaulted because of a car wreck I was in. My family and I were hit by a drunk driver, resulting in a death of a family member.     Upon getting my life back together, I completed the rehabilitation program and paid  9  consecutive payments on time for 9 months. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are  XXXX  loans that have yet to be cleared from my credit as promised.     There shows  one  loan  that Navient has told  me would be removed and it has yet to be removed I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..
First and foremost, I am a victim of identity of theft. There have been a multitude of accounts with various companies opened in my name and none of them were opened by me. When I received a letter from a company called XXXX XXXX XXXX XXXX in XXXX of this year stating that I had an outstanding balance of {$1600.00} owed for a XXXX account, I immediately contacted them to inform them that I was a victim of identity theft and that this account was not opened by myself and I was completely unaware of this bill. I have had XXXX since XX/XX/XXXX personally but I 've always paid my bill and never gone to collections. When I spoke to them I was informed there was an account opened XX/XX/XXXX and there were XXXX IPhones purchased. There was also a person with the name of XXXX XXXX that was an authorized person on this bill. If I were going to purchase a phone for someone I would 've added them to my bill rather than open a new account. It makes no since. When I informed them of the identity theft, I was told that they were going to do an investigation and get back with me on the outcome. Instead, XXXX is reporting on my credit report as of XX/XX/XXXX with an outstanding balance as well as they have sold the debt to a 3rd party as of XX/XX/XXXX according to the correspondence I received in the mail this week. I am not responsible for this debt. I have fraud alerts on my credit and I 've filed police reports and signed and notarized affidavits. This is rediculous that XXXX has reported the account without warning as I am in the process of purchasing a house and not only have they reported it, but they 've also sold it now to a collection agency.
This is my third time cashing a check and every time its been an XXXX. This time theres a XXXX hold on my account when I dont use it to pay for anything just put money on. I even had XXXX cents to show no pending nothing. I signed the back like I always do and theyre playing with my time, patience, and money. If wells doesnt get their XXXX together Im going up legally. XXXX this back and forth XXXX idc the time it takes, people work hard for their money and to turn around and have something that should be available 24/7 with no problems XXXX with you lol. XXXX Wells Fargo for XXXX with people lives and money XX/XX/2018 XXXX is what I deposited with my signature on the back!
American Accounts Advisors Inc. Is incorrectly reporting 5 collection accounts to the credit bureaus. 3 are in the amount of {$50.00}, 1 is for {$44.00}, and the last is for {$14.00}. They were all opened on XX/XX/XXXX, yet i have never received a notice or a phone call. They have also falsely reported the {$50.00} 3 times, which is an error. They most recently fraudulently reported this information on XX/XX/XXXX.
Equifax XX/XX/2018 Confirmation # XXXX Personal Identification Information under previous address Equifax has for the last past months after I have reported that these address are not my address and have ask Equifax to provide proof of the said address that are not mine or have ever been any address of mines. 

Wrong Address ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Provide proof of these address on file by Equifax as my address belonging to me by lease, purchase, rent in documentation as in my name. 
Equifax has the wrong information as to these address and it has been over 4 months now and incorrect address and information on file.
On XXXX/XXXX/XX/XX/2015 I discovered that XXXX prepaid debit cards that I had purchased had been used by someone to make small fraudulent charges. I reported this to USBank. The cards were deactivated to prevent further fraudulent charges. When they were deactivated, the money I had placed on those cards were also made unavailable. I was instructed to fax information into the disputes department so that I could go about getting my money ( {$400.00} ) refunded ( fax included - proof of possession of cards, receipt for purchase of cards, my contact information ). On XXXX I called inquiring about status and was told to call back after 10 business days had passed. On XXXX I called and was told I 'd need to call the fraud department the next day. Today, XXXX I was told that I never needed to send a fax and that I would need to wait to receive a letter in the mail. Then after sending back the letter, i would need to wait 45 days for an investigation before my funds are returned. I asked to have my funds that were remaining on the cards but not in dispute returned to me immediately ( approximately XXXX ) while waiting for the disputed charge ( approximately XXXX ) to clear. This set off a maze of phone calls and conflicting information from representatives about the current status of my dispute and how long it would take for me to receive access to my funds. At this point it is unclear whether USBank is even appropriately attempting to remedy this situation.
I applied for a loan modification under the hardest hit program on XXXX XXXX 2016 through the XXXX organization XXXX told me they submitted my application on XXXX XXXX 2016 since that time ditech mortgage brokers South Dakota has changed my account number add an escrow account increased my payment and denied me my loan modification I never had an escrow account on my mortgage I paid my own taxes and my own insurance I 'd like to know why or how they change my account number for my mortgage added an escrow account to my account I never signed any such papers authorizing ditech to change or add my phone number are escrow fees im considering fileing a civil complaint against ditech of South Dakota thank you
On my credit report it states that I have two deliquient accounts with XXXX witch was sent to XXXX  XXXX XXXX XXXX with a balance of {$2300.00} on one on XX/XX/XXXX and the second one for {$260.00} on XX/XX/XXXX that do not belong to me and this is the first I have known of it and I filed a dispute with the credit bureau. 

Also there is two accounts that are also in collections from XXXX XXXX XXXX one for {$3300.00} on XX/XX/XXXX and the other one is for {$250.00} on XX/XX/XXXX these accounts are also not mine I have never bailed anyone out of jail and I filed a dispute with the credit bureau on these on XX/XX/XXXX. 

A bank account or credit card at XXXX XXXX  XXXX XXXX was opened in my name with a balance of {$600.00} as well on XX/XX/XXXX that was not me I have filed a dispute with the credit bureau on this as well on XX/XX/XXXX
Regions Bank : On XX/XX/XXXX I inquired by phone if physician mortgage program existed at Regions bank in state of Utah. The loan officer assured me it was and went over the program details. I provided my personal information for application. The loan officer did not return my call on XX/XX/XXXX. After again reaching out to the bank on Mon. XX/XX/XXXX the same loan officer, after pulling my credit informed me that the program discussed, and authorized for credit check, does in fact not exist. Was told I could not speak to a manager.
I had applied for a CitiGold Checking account on XXXX/XXXX/XXXX under a promotional offer. The promotional offer stated that I would receive XXXX XXXX XXXX Advantage miles by spending {$1000.00} on my debt pin-enabled card in transactions within 3 months from account opening. I also needed to make XXXX bill pays with the account in separate months. I completed all of the requirements within the three-month time frame ( completed on XXXX/XXXX/XXXX ) and then confirmed multiple times with the consumer service team at Citi that I was eligible and had met the terms of the promotion for which I signed up for. 

I have saved documents of my communication with the Citi costumer service representatives.The promotion states that XXXX XXXX miles will be credited to your account within 90 days from meeting the promotional requirements. Since I met the requirements on XXXX/XXXX/XXXX and it is now past the I am now filling a formal complaint to expedite the process of receiving the the miles Citi has not given me as a result of the Citigold offer.
I was notified that a debt existed with XXXX through me accessing my credit file to discover there was a collection item in the amount of {$340.00} dating back to 2016. I contacted XXXX to discover that there was a final bill from a previous address that did not get paid however when we looked further into why I wasn't notified, we discovered this was under an incorrect address as it combined both my previous address and new address as well as my maiden name. XXXX and XXXX both assured me that if I paid the debt it would be removed from my credit report considering it went into collections in error ( without me being notified of the debt ). I paid the balance in full to XXXX who in turn removed the item from collections. This actually made things even worse as the collection item only updated making it a newer item meaning it would sit on my credit even longer! The issue that I am faced with now is when I call XXXX, they say they don't have a file for me ( which I know since XXXX removed it from collections ), however this still exists on my credit file with both Experian and XXXX. I contacted Experian to investigate the issue to have this removed from my credit file only to be told after investigation that the debt would remain. I have called XXXX several times to no avail as well as XXXX who only refers me back to XXXX as they are the ones that reported the negative item on my credit report.
This company has filed a record on my credit report. I have no knowledge of it since they did not mail me anything. They might have violated FDCPA by not notifying me. I am afraid they have stolen my identity. 

I have no made business with them and I do not owe them anything. 

Please get a cease and desist from me
I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT ACCOUNTS PLACED IN MY NAMES WITHOUT MY CONSENT. I GAVE NO ONE CONSENT TO OPEN THESE ACCOUNTS. HERE IS A LIST OF THE FRAUDULENT ACCOUNTS AND THE CONTACT PERSON AT EACH COMPANY. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. EACH COMPANY AND THE PERSON I SPOKE TO. I ATTACHED MY POLICE REPORT ALSO.
Here 's the documentation you requested. As I stated this was a home equity loan -- not thru XXXX but rather it was transferred to XXXX XXXX XXXX from XXXX They put me in collections with Realtime without contacting me or sending any correspondence of any kind letting me know that the Loan Servicing was being transferred. I made settlement payment to criminals at Realtime -- who promised that they would delete ALL Late Payments from my credit report in exchange for our agreed-upon Settlement Terms. 
XXXX Last Active XXXX XXXX : PAID ACCOUNT. XXXX BALANCE XXXX : THIS IS AN ACCOUNT IN GOOD STANDING XXXX : ACCOUNT CLOSED BY CONSUMER XXXX : ACCOUNT/PAID SATISFACTORILY XXXX : ACCOUNT CLOSED BY CONSUMER XXXX : PAID ACCOUNT. XXXX BALANCE Opened XXXX Reported XXXX High Balance XXXX Reviewed 68 mo XXXX Past Due Payment Paid Balance Status REALTIME XXXX Last Active XXXX XXXX High Limit XXXX Mortgage PAID XXXX : SETTLED ACCOUNT XXXX : PAID ACCOUNT. XXXX BALANCE XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX : HOME EQUITY LOAN Opened XXXX Reported XXXX High Balance XXXX Reviewed XXXX mo XXXX Past Due Payment Paid Balance Status REAL TIME RESOLUTIONS XXXX Last Active XXXX XXXX High Limit XXXX Mortgage PAID XXXX XXXX XXXX XXXX XXXX : ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE XXXX : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATE XXXX : ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX
IC systems of XXXX minnesota violated FCRA by placing an item on my credit report without my knowledge. i DO NOT owe this money. They violated FCRA did not notify me of this alleged debt in writing or verbally and I DEMAND IT BE REMOVED IMMEDIATELY! I DO NOT OWE this amount and I AM NOT responsible for it. IC systems violated the law and needs to be investigated. This item is FALSE and needs to be removed immediately.
i spoke to an agent from nationwide recovery systems because they bought a debt i had expunged.i requested the initial delinquent notice from the initial debtor and they tried to get payment info from me in order to send the info, im assuming they have re-aged my debt and will hit my credit score, im pissed.when i called again later on in the evening to get info about the debtor ( nationwide recovery systems ) i was talked to very rude and when they finally agreed to send me the initial delinquent letter they said when they receive it, it will be forwarded from their company.when i requested that i wanted the notice sent directly to me from the initial debtor i was denied.i also told him i wish to record the conversation he wanted to hang up.however i recorded it. 
XXXX XXXX XXXX nationwide recovery systems XXXX plz see that they get fined as i will be taking legal action as well ... .ty sincerely, XXXX XXXX
I received a notice of a past due mortgage payment for my home loan on XX/XX/2018. To be clear, I ALWAYS pay my mortgage early, and was very concerned about this notice. At that time I went online to view my account and noticed a posting error made by Mr. Cooper going back to XX/XX/2018, which applied my entire payment as an additional principal payment. I contacted their office and spoke to a CSR who indicated that this would be resolved, AND my late charges would be removed. This correspondence took place on XX/XX/XXXX, and still nothing has been fixed. I am now seeing that my XX/XX/XXXX payment is past due, and I was assessed yet another late fee!!! The Credit Case Number is XXXX. 

Additionally, I have called the XXXX number on Thursday the XX/XX/XXXX, told the office is closed and would be open on Saturday, Called Saturday, told the office is closed and will be open on Monday. Called Monday, told the office is closed and will be open on Tuesday. 

I am disgusted with the level of service this company provides. I have now been assessed over {$240.00} in late fees, company will not call me back. Office seems to be closed all the time. I am VERY concerned about my credit being impacted and the late fees assessed.
I opened up a  Chase Sapphire Preferred credit c ard about just over a year ago. The card has an annual fee of {$95.00}, but it is waived for the first year. My plan was to use the card and see if I like it, if I did n't, then I would cancel or convert it to a card that did not have a fee.     After a few months of using, I determined that the benefits did not warrant the {$95.00} fee. As such, I contacted chase ( either by phone, secured message or chat ) and asked to convert my card to a non-annual fee and I stopped using the card altogether. In  XXXX     2017, my  card was charged the fee. Since I did not use the card and expected a {$0.00} balance, I did not realize until  XXXX     2017 tha t I had been assessed the fee, a late charge, and interest on the balance.     When I finally realized what had happened, I contacted Chase and they conveniently have no record of my request. My daughter had a similar incident with Chase when she applied for a credit card where they agreed to approve the card and subsequently never received the credit card. Eventually, she was informed that they misplaced the paperwork.     I believe this is similar case. Why would I pay for an annual fee when I do n't even use the card.     In any case, I contacted chase and they refused the refund the fee and interest. I have now since paid my account current and have a balance of roughly {$50.00}.