WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX   XXXX  is saying that I owe {$550.00} for a Dentist bill. I have no outstanding bills with this hospital or   XXXX   XXXX  . This was not me
In the XXXX, under very different tax laws, I opened two IRA cds at a small local bank near where I lived and practiced law. The name I used on the accounts was and is my professional legal name that was also my birth name, and a name restored to me after my divorce from my XXXX husband. At the time I opened the accounts I was married to my XXXX husband to whom I remained married until his XXXX 8 years ago. I have not moved or remarried since Chase has been the successor to my accounts. I use my XXXX husband 's last name socially, but still use my birth/professional name in some business situations and it is on one of my XXXX credit cards still in frequent use. Both names are on my bank account, both names have been used on tax returns filed jointly with my husband, and the annual tax statements supplied by Chase are reflected on my tax returns every year as untaxed IRA accounts. Two years ago I wrote Chase ( there are no Chase branches anywhere near where I live in my retirement ) and requested they disburse to me the proceeds of both accounts. I am at an age where I may remove these funds without penalty. They replied that I had to fill out extensive forms. I did. Then they wrote and said I had to have my signature warranted by my bank. I did. Every time I provided them with information they would wait a month or so then ask for more personal information. When my husband died I inherited his IRA and when I transferred it to XXXX I requested they contact Chase and have the funds from my Chase IRA transferred and combined as is allow under tax law. I told XXXX how many problems I had with Chase, but they said Chase would not argue with them. But Chase refused. I need my money for repairs on my house, so when I was in Florida, where I knew there was a Chase branch, I took all my files of years of statements from Chase and its three predecessors, my driver 's license, my Florida XXXX, my social security card, my current checking account information. Surely that was enough evidence for them. They promised to mail the checks for the 2 cd IRAs to me at the address that has always been on my statement and the place where I have lived year round for 22 years. Instead I got yet another letter requiring my " marriage license, divorce decree and a court order listing my new name. '' I have no new name and the name they have chosen for me is different from what I use as my married or my birth/professional name. I have only one social security number of course. I am not divorced, I am a XXXX. I called Chase and they gave me no reasons for their demands, stated no legal requirement that they think requires me to use this name. They refused to let me speak to someone in their legal department. This is rampant sexual discrimination and they have no valid reason to treat me with such disrespect. It is bizarre that they think they can make me change my name to a name I do not use, and that they have never had on my account, to fit some employee 's idea of what is correct. There must be hundreds of thousands of other married professional women who use their maiden name for business purposes. Please help me.
I have contacted the company on several times, requesting them to validate accounts that they are saying are mines. However, the company has sent me duplicates of billing statements in an event to validate the accounts. This is not proof that the debts are indeed mines. In order to resolve these accounts, I need the company to verify these accounts by providing a signed contract.
They say they are called " pioneer credit recovery ''. They are calling from XXXX. 
They have been calling me at work even after I informed them not to call my work line. 
They continue to call during business hours as well as calling and leaving messages after business hours. 
If I am not at my desk then my employees will take the call and I worry about the caller tarnishing my reputation with my employees.
I am trying to get a modification on my loan and finished all three trial payments but when I called to see about getting the final modification they told me I was {$3000.00} behind and that it would be 90 days before I had an answer. I do n't know what to do now.
I have an auto account with Drivetime. When I am late with a payment, drivetime calls me on the telephone three to four times per day. 
Drivetime starts calling me at XXXX XXXX.
I have submitted several investigations to remove fraudulent accounts from my Equifax credit report. XXXX and XXXX has removed these fraudulent accounts that do not belong to me. I have also submitted a police report identifying that I was a victim of identity theft. The following accounts are fraudulent and they do not belong to me : -XXXX XXXX XXXX of XXXX XXXX XXXX -XXXX XXXX A XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
CareCredit sent notification to all three credit bureaus on XX/XX/XXXX that theyd closed my account. However they continue emailing me as recent as XX/XX/XXXX of encouragement to use my card. I logged in and the account is still active on their site. I emailed them and they only said they closed it but wouldnt address the fact they never notified me, updated the site, and kept sending notices to use the card. They now refuse to correct the notification to the credit bureau even though I took a screen shot today that the account is still active
XXXX XXXX, 2017, I optioned to use my credit card for a larger purchase which amounted to just over {$1300.00}, of which my " platinum '' credit limit of {$2000.00} allows. The credit bank for this card is Synchrony ; At this time, my credit scores collectively, at the 3 bureaus continued posting well over 650, 660, 668 ; It is understood that this fluctuates somewhat with using my available credit ; for this reason, within the month, I set aside the same amount of funds to pay this back into my credit card ; Synchrony recieved and posted my large payment back into my account by mid XXXX, 2017. They immediately on XXXX XXXX, 2017, dropped my limit by almost 70 % to {$600.00}, days after recieving my large payment, which they did this action in bad faith ; I have never used my credit incorrectly, or been late on my obligations. 
My credit reports had been compromised with illegal information and data In the early year review, and were being corrected, but my scores had not decreased to such degree as when I asked Synchrony why they have initiated such action ; the representative said he had no real answer, and they would send a letter, which, I recieved a week later, back dated to XXXX XXXX, 2017, referencing information accessed XXXX17 ; This illegal and compromising Synchrony credit card representation, used incorrect information they accessed from XXXX-17, against my account, then never updated the incorrect information, especially after the XXXX17 PAYMENT posting and fully compromised my credit reports by decreasing the limit, with ill intent, taking advantage of me and after they recieved my larger payments in good standing and in good faith, seriously inhibited and caused injury to my credit ratings by 100 points purposely, to the adverse. 
I have filed complaints with Synchrony, with no response. 
In Addition, I am requesting that such illegal Synchrony mis-management/ mis-handling of my information and credit card account and profile, and the Synchrony non-friendly credit actions be investigated for consumer abuse and for implicating adverse result and injury to its consumer and consumer reporting.
I am filing this complaint regarding Pay Pal. 
The fees they charge for a seller on ebay are not transparent. They are hidden, and difficult to find. For the casual individual selling something on Ebay, it is very tricky. 

1. When you receive payment from a buyer through Pay Pal, you receive an email from Pay Pal saying that you received a payment of, for example {$100.00} from a particular buyer. There is no mention of fees being taken out by PayPal. If you go to your Pay Pal account ( using the Pay Pal phone application ) there is no reference at all to fees anywhere on the site. When you look at your personal activity ledger, it will show, for example for the fictional transaction above, that your account was credited approximately {$97.00}. There is no reference, even in the details of the transaction report, to the 2.9 % plus {$0.00} in fees that Pay Pal removes from what the buyer paid. The smaller amount just shows up in your account. This seems to me obviously designed to make it difficult to see the fees, and to make it likely that many people will overlook the fact that fees are being taken out of the account. If you just go by the emails you receive from PayPal, you will one day look at your account and find significantly less money than you expected. Pay Pal should be required to show the fees they are taking in the emails and phone application account activity. Anything less is deceptive and misleading. 

2. The PayPal website is better on this, but only slightly. If you go to the Pay Pal website, and have not signed in, then if you scroll to the very bottom of the page, you will see a small word " fees. '' If you click on that you get information on seller fees. However, once you log in to the pay pal site -- which most people do immediately and automatically -- then the fees information disappears!! In other words, once you log in, you can not get information on fees!! Obviously designed to hide information from Pay Pal users. 
On the website, in your one 's personal account, you see nothing about fees in the listing of transactions. Only when you click on the details of an individual account do you see the actual calculation : the money sent by the buyer, and the amount extracted by Pay Pal. 

The above represents classic tactics to hide the amount and taking of fees from Pay Pal users. Obviously, the intrepid and careful user ( who does n't log in ) can find the information. But Pay Pal has designed its system to hide this information from the user who uses Pay Pal 's phone application ( no information about fees at all, and misleading account information ), and even on the Pay Pal website the fees are unnecessarily hidden. Pay Pal is a huge company. With millions of users, they are able to make quite a bit of money out of these deceptive practices. This is wrong.
I have one negative item listed on my credit. The account was originally for a " XXXX XXXX '' back in 2008. The account was paid as it should have been. I never heard anything from anyone until recently I inquired my credit reports and noticed that a delinquent mark was added for non-payment. This account was never in default or collections. The collection company that has claimed it is, is Jefferson Capital LLC. I have been going back and forth with them regarding this inaccurate item. I have sent numerous demands for validation regarding this account, which they have never responded to. I have also inquired with the XXXX credit bureaus and disputed the item that was listed on my credit. They came back to me with saying the debt was in fact mine, and that it will stay on my credit. I know the account was mine. That was never the item in question. The item in question was why they are reporting information that is not correct, especially after this account was paid in full and never went delinquent. After all my options were exhausted I contacted the Federal Trade Commission, only to find out that they company that is refusing to remove this negative mark has been sued by the FTC and lost. They were sued for unfair collection practices, and many more things. From what I gather by law, this is not supposed to be part of my credit, and needs to be removed immediately. Unfortunately I do not have any items pertaining to the payment of this account as it was over 7 years ago. I hope we can get this resolved, and removed from my credit. Thank you.
Equifax is reporting incorrect personal info on my credit report which includes : Incorrect names, incorrect and ou  tdated addresses, and incorrect employment info.
FYI There is no apartment " A '' at my address. Should remove incorrect employer information.
I 'm retired.
I have contacted Equifax and cfpb about this complaint subsequently equifax sent me a copy of my credit report with my personal information omitted (? ) so I was unable to confirm any updates.
Through a third   party I was able to view my equifax credit report and found out equifax is still reporting false and/or really old personal information.
I disputed the accounts with Equifax in which Equifax corresponded that the accounts with XXXX XXXX and XXXX were accurate. I then requested the description of the procedure used to determine the accuracy and completeness of information, and documents provided by XXXX XXXX Bank & XXXX XXXX regarding the alleged accounts. XXXX was unable to produce ANY documentation. My question is how can the credit bureaus validate the alleged accounts and the creditor XXXX XXXX Bank or XXXX XXXX can not validate the alleged debts?
I was put into collection for a utility bill that was not mine. I notified them in writing and by phone and they reported it to the credit bureaus in spit of that notification. They used that as a tool for force me to pay the outstanding amount in order to have it removed from my credit reports. I paid the amount in full and they have refused to remove it from my reports and will only report it as " Paid ''. They used deceptive promises ( which they recorded ) to get me to pay a debt that was not mine and then have refused to remove it from the credit reports as they assured.
Complaint against Equifax is the incorrect reporting XXXX, XXXX. XXXX XXXX/XXXX/XXXX {$11000.00} XXXX/XXXX/XXXX, I worked hard with XXXX late last year to insure they were reporting correct and I know they have, Equifax refuses to do what is correct 1st, they need to report ( XXXX ) balance per XXXX request 2nd the need to delete this from the report starting XX/XX/XXXX, By law they can no longer reported 7 years after the last activity, see enclosed info Thanks XXXX
VOSS AND KLEIN COLLECTION AGENCY REPORTS TO THE CREDIT AGENCY AN ACCOUNT THAT WAS PAID ALREADY. 
THE ACCOUNT WAS LATE 30 DAYS AFTER THE FIRST INVOICE ISSUE ON XX/XX/XXXX, THEREFORE BY LAW IT SHOULD BE OUT OF MY CREDIT REPORT 7 YEARS AFTER XX/XX/XXXX WHICH IS XX/XX/XXXX. 
THEY REFUSE TO REMOVE THE INFORMATION FROM MY CREDIT REPORT. THEY SHARE WITH XXXX, XXXX AND XXXX
Unfortunately, I could not choose multiple answers. Therefore, these are the problems listed below for the 1. XXXX increased my student loan payments from {$60000.00} to XXXX XXXX with an initial repayment plan of {$200.00} a month but changed it to {$890.00} prior to the end of a forbearance which was not affordable, contained incorrect owed amount or feasible for a non-working individual that was directed into forbearance 2. Percentage rates quadrupled during the forbearance 3. There is no indication of the origination of the student loans.

4. The amount owed is extremely higher than it should be 5. There are charges for XXXX  College that should have been removed due to the school closing prior to earning a degree.

6. Multiple loans reports on the credit report that are not accurate 7. Their credit reporting practices have caused my credit score to plummet 100 points causing undue hardship to me and my family.

8. I am a XXXX veteran that is requesting full forgiveness or discharge of all of the reported student debt.
customer service would not help and take care of the negative inquiries reporting to my credit report in which was caused by a glitch in trans union system. I was victim of their " inquiry issue '' and they have still yet to fix the problem which was caused by their end. 

XXXX XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Automotive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX I Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XXXX Finance XXXX Show Details XXXX Banking XXXX Show Details XXXX Finance XXXX Show Details XXXX Miscellaneous And Public Record XXXX I Show Details XXXX Oil And National Credit Cards XXXX Show Details XXXX Finance XXXX Show Details XXXX Finance XXXX Show Details XXXX Banking XXXX Show Details XXXX Automotive XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX Show Details XX/XX/XXXX Finance XX/XX/XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX Finance XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XXXX Banking
On this date of XXXX XXXX, XXXX I received an alert from my credit monitoring stating that a collection account was added to my credit report. Upon reviewing my credit report, STELLAR RECOVERY INC. added this fraudulent account on my credit report again without sending me ANY notification. This account has NOT been validated after numerous written request. I file a complaint with the Consumer Financial Protection Bureau XXXX XXXX, XXXX complaint # XXXX in this complaint STELLAR RECOVERY INC stated that they will delete this account ; XXXX XXXX # XXXX, which they did comply. Since then- STELLAR RECOVERY INC HAS NOT CONTACTED ME VIA ANY METHOD nor have they sent me a signed contract as requested. They have not validated this alleged debt and for this company to reinsert is alleged debt back on to my credit report is a direct violation of the Fair Credit Reporting act, Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) and Maryland Fair Debt Collection Practices Act, XXXX.
My credit report is showing an account for XXXX XXXX XXXX Acct # XXXX that has been paid in full which when the account was paid in full XXXX agreed due to a goodwill payment, once the payment has been made they will honor my request for my XXXX  to be deleted off my credit report from all three credit breaus. Well needless to say, your credit breau has yet to honor XXXX  deletion request off my credit report, the account is still showing on my credit report as closed. I have also faxed the document to your company, called and spoke to a representative at your office, informed them of the contact name and phone number who they can call at XXXX  to confirm the information on the letter attached is accurate and still nothing. Let me provide you the information again, I spoke to XXXX XXXX with XXXX XXXX-XXXX-XXXX who is the collections manager with XXXX. XXXX with XXXX   provided me with the letter attached approving the XXXX account to be deleted off my credit report.
They had called frequent and no stop repeated calls, they have called out side of XXXX, sent me threatening mail to take legal actions and they have done this to a friend of mines, as well. They are harassing me with the non stop calling and mailing of letters. They are mis leading, over charging, dis honest, un willing to work with customers and the calling is non stop and voice mails. They have violated all my right as a consumer.
TransUnion is reporting that I am an authorized user on a XXXX XXXX credit card with a high outstanding balance. I am not associated with this card. It is an outstanding balance on {$5500.00}. I have no knowledge of this account. Please delete.
I have reached out to this company multiple times regarding the inquires on my account and they have done absolutely nothing but send me generic responses about contacting the companies and when i contact the companies they direct me to contact the credit bureau this is getting out of hand and is not reflecting my true credit report. the below inquires need to be removed. 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/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX. These inquires need to be removed i have done all the necessary steps, police report, contacted the companies contacted the credit bureau and sent in multiple disputes for the inquires as well as a security freeze this company still refuses to remove the inquires
I took an equity line of credit on a home that did n't have a mortgage, the home 's title was clear. The home loan was through  Ocwen  and   XXXX   XXXX   in  1993 The  company agreed to a mortgage assumption by  XXXX   XXXX  owner  (   XXXX   XXXX   ) on  a parcel of land title  XXXX .
have been calling for months in 2017 each day 2-3 times per day. 
It is a scam as I do not have any debts. 

Transworld systems asking us to call a XXXX XXXX ' at XXXX for a case number. We are not calling as we do not want to encourage this scam. 

Transworld Systems needs to take our number out of their system. We are unable to find out how to do this. It is harassment.
I previously contacted Santander, XXXX XXXX XXXX XXXX XXXX disputing the error on my credit file that was posted without my consent. I strongly believe that the companies associated with this account have committed a major crime and should be rep-remanded for it and I am not happy about it. I have been tremendously affected by the credit breach each of the companies listed above is in dealing with placing errors on my credit report without my consent and no one of these companies contacted me. Please show me any phone calls you have tried to contact me before and after the credit breach. Ive stated facts in my previous dispute letter only to receive a response that my dispute to remove this fradulent error was declined. I dont appreciate unprofessionalism on any levels. I am unaware of the accounts listed below and have never open any accounts to deal with such a company called Santander XXXX XXXX XXXX XXXX. I am unaware of the accounts and I demand that it is removed immediately. If this error isnt removed by XXXX/XXXX/XXXX, I will be taken legal actions on this account and any companies involved. I have contacted my lawyer and looking to move forward on this case. I have sent you a previous good will letter for a response but you decline my dispute and now I am forced to take legal actions. 

Santander XXXX XXXX XXXX