WillisBack/dataset-financial-user-claim huggingface dataset:
I have received collections notifications from XXXX XXXX services on multiple occasions. I am not aware or do not owe any amount of debt. I have Florida State XXXX and all payments were completed by the state. I am an indigent patient and I have contacted the collections agency on numerous occasions by mail. I am still repeatedly harassed by agents. These issues still exist and I am still getting notified. 

XX/XX/XXXX {$1000.00} XX/XX/XXXX {$560.00}, {$770.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1800.00}, XXXX
I opened a Citigold checking account in XX/XX/XXXX with an offer for XXXX AAdvantage miles. I completed the offer requirements and was told by a Citibank representative that the offer had been applied to my account and the miles would be credited by XX/XX/XXXX. They now tell me I wo n't be receiving the miles.
I applied for credit with Best Buy ( Citi Bank ) online. I was approved the same date and made a purchase on the Bestbuy.com website for approximately {$3900.00} The motivation for using their credit card was 10 % cash back offer. I received purchase confirmation from the store and the balance appeared on the credit card web login page. I paid the amount in full via electronic payment from my bank. XXXX days later I received a notice from the store stating the purchase was cancelled due to the payment being withdrawn. I contacted Bestbuy credit ( Citibank ) who advised me they had a fraud alert on the account. I provided all my personal information to them. They stated their practice is to cross reference a public record from a cell phone account to verify my identity ( something that was not done to approve the new account ). I only have a pay as you go-no contract phone so they could not confirm my identity via their normal methods. I requested the account to be closed and the {$3900.00} I paid to be refunded to the account it was paid from. They said since they could not confirm that I was who I said I was they would not process my request. Now I have no product and I do not have the {$3900.00} I paid to them and they refuse to refund my account.
Experian responded that the XXXX fraudulent accounts that were a result of id theft by XXXX wireless were verified and I needed to contact XXXX which I have did already! I have provided both XXXX and experian with the info from the us doj that proves I am a victim of identity theft and yet they continue to report info based on info that was a result of id theft! Do I have to sue experian and XXXX to protect my rights???? Because I will because it 's stopping me from getting a mortage!
I have sent numerous correspondence to the XXXX XXXX and Transunion in reference to items I believe to be erroneous on my credit reports. I have repeatedly asked for information that is my right to have in accordance to the FCRA. They have not provided me a copy of any original documentation XXXX a consumer contract with my signature on it XXXX as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I  have copies of all my correspondence that were notarized and sent certified mail. The following accounts remain on my credit reports : XXXX XXXX XXXX XXXX XXXX I have submitted a police report today and will forward a copy as soon as it is approved.
XXXX XXXX closed my credit card account whom I've been with for nearly 3 years citing authorized users as risk factors. I add authorized users because they send me ads and promotions to add them for additional points, and now they decided to close the account. I've spoken to XXXX from the account restriction team and I've faxed in my social security card and lease but no one ever got back to me.
The Chargeback / Dispute policies of PayPal have taken my account to over negative $ XXXX dollars and now they 're turning me over to a collection agency. 

I 've been a member of PayPal for many years. I 've never had an issue until now. My ex-roommate moved out owing me over {$13000.00} in XXXX of 2016. She moved back home with her parents. Her father gave her access to his credit card. Between XXXX and XXXX she was paying on what she owed by making payments through PayPal. After making several payments, she got into an argument with her Father. He was mad and started disputing the payments she made with his bank. His bank generated a dispute for each of the payments in her name. They said she disputed the payments. I immediately tried to resolve the issue by working with her. She accepted full responsibility for the chargebacks and admitted I was not at fault. She submitted a notarized letter stating that. She 's made several attempts to address the issues via calls and emails, but no matter what she did, they could n't do anything. They have no process or procedures in place to resolve issues with the buyer 's bank when the buyer is at fault. PayPal did n't do anything to meet her request and transfer the debt. From my side of the transactions, I 've done everything I could to show them, the payments were valid and it was a personal transaction and not something bought and sold. PayPal 's chargeback and disputes department said ; they would present the information to the bank. They said ; since the PayPal account owner admits the charges were valid and stated she was authorized by her dad 's card, that I did n't need to worry. Eventually, the first set of chargebacks were closed against me. They said they would appeal the banks decision. More and more chargebacks were closed against me and I asked for a contact and the name of the bank. I was denied this information and was left helpless to resolve the issues. I did n't know the bank, whose card was used, or a single contact to address the issue. PayPal said they protect that information, but they still expect me to accept responsibility. The result is ; my exroommate committed fraud and identity theft and I 'm being held responsible for her illegal activity. PayPal 's expects me to pay over {$6000.00} for an issue they did n't help me resolve. Their reason for not supporting me, is these transactions are n't covered by " seller protection policy ''. PayPal said they have no way to transfer the debt to the buyer, even though she is at fault and accepted responsibility. Because of PayPal 's inability to place responsibility on the person at fault, they 're attempting to collect from me without providing any support or opportunity to address the issue with the bank making this claim. 


If you do business on PayPal and someone buys merchandise with a stolen card, you are responsible to pay back the amount of the transactions made and you wo n't have access to the funds to run your business. No matter what, because someone broke the law, the company that says they 'll protect you, holds you responsible to pay.
in XX/XX/XXXX I filed for bankruptcy due to medical conditions. I was in meeting with the U.S. district attorney where I was informed that I was eligible for up to 5 years of hardship/medical deferment before they can look at a possible discharge. Since that date I have made sure to renew my hardship deferment status each year. I registered all of my loans in XX/XX/XXXX for hardship deferment and was granted it. According to the Student loan data base this loan was placed in repayment status on XX/XX/XXXX by American Education Services ( further referred to as AES ) removed one of my loans from deferment and placed it in payment status. I was not notified. I received a phone call from a collection agency stating that AES had placed this loan in default on XX/XX/XXXX. At this time All of the other 7 loans are in hardship deferment but when I tried to discuss this with the individuals I spoke to in their customer service division they stated that I would need to pay the entire {$31000.00} now. I have 5 different XXXX XXXX and XXXX XXXX children. My medication alone is $ 300-400 per month and I have to pay for child care for my children during the summer that I have to save for during the school year. I do not qualify for any state assistance as I am a XXXX XXXX. I 'm trying to work as long as I can and have been an employee in XXXX XXXX my entire career. I barely make enough to take care of my kids and I am struggling to pay for my medications. This company has never worked with me in the past and how, when I have 8 open federal loan accts, how are 7 in deferment and in good standing and this 1 not be? 

I need help dealing with this company because they have yet to work with me in getting thing situated. This loan should not be in default. It is supposed to be on hardship deferment until XX/XX/XXXX. I know that is n't that far away but this should n't get this far to begin with. 
Thank you for your assistance
I was told that the process of applying for mortgage would not impact my credit score adversely. My FICO score was XXXX ( Excellent ) after over 8 years of hard work and discipline. I started the process of buying a home only after I had achieved FICO score of XXXX ( Excellent ). 

Everything has gone smooth and the closing is on XX/XX/2019 and to my surprise I find that my FICO score has been substantially and negatively affected. It has fallen by XXXX points ONLY due to " too many inquiries ''. All of these are directly related to seeking a mortgage to buy the home chosen. 

Something with wrong in terms of what we the people are led to believe and what actually happens. And then " people '' have no effective means to address the mischief by banks and credit reporting agencies that collude to indulge in legalized extortion. 

Please help directly or indirectly by pointing me to some direct & effective actions that I can take.
I have disputed XXXX via Equifax & XXXX, I have requested that XXXX VALIDATE not just verify this account. 

I have no knowledge of this account. Please send a valid contract between XXXX and XXXX XXXX that was signed stating that I would pay them and giving them the right to report on my credit if I did not pay them.
For the past couple weeks, I have been receiving letters from Synchrony Bank  (   XXXX .  XXXX   XXXX   XXXX , FL  XXXX  ) to verify transactions on a  XXXX  MasterCard  ( ac count ending  XXXX  ) I never opened. I do not know whether  one  was opened fraudulently in my name or if none was ever issued.     When I called the provided number (  XXXX  ) and talked to a "  Fraud Service Representative '' to clear up the issue and make sure no one ha d opened an account in my name, it became clear this was a fraud. As soon as I gave my name and explained the situation, I was asked for my full social security number. When I refused, I was then asked to give my full address and last  XXXX  digits of my SS #. At this point, I told the representative I would be reporting them and terminated the call.
XXXX friends and I were booked on a XXXX XXXX XXXX. Because of low water, XXXX XXXX XXXX refunded our money to my credit card. The total amount refunded was almost {$22000.00}. Viking transferred the funds on XX/XX/XXXX and XX/XX/2015. On XX/XX/XXXX I requested a wire transfer of the credit balance to my bank account. On XX/XX/XXXX I again requested a wire transfer. As of today, XX/XX/XXXX, the credit balance is still not in my checking account.
I had an XXXX wireless service that I cancelled due to poor services in my area, I switched wireless provider to XXXX back in XXXX 2015. XXXX was going to pay for all cancellation fees to XXXX XXXX XXXX since I was porting out my number to the new carrier. Then, I started receiving collection attempts from XXXX XXXX XXXX in the amount of {$810.00} for cancellation fees, which XXXX notified that they paid for. My account was forwarded to this collection agency Franklin Collection Service , INC . They have n't stopped sending me threatening mail communication letter, and they 're not even licensed to collect in the state of Oklahoma. They need to remove this account from my credit reports since these charges were paid by XXXX, and they are still trying to collect on this account, and also ignoring my letters to cease and desist any communication.
I maxed out my capital one credit card. And paid It all off the next day in full. They posted them accepted payment. Took it of my bank. Then 2 weeks later they said it was a returned payment. But never gave back my money. And closed my account and reported it on my credit
Penn Credit Corp calls daily at XXXX with an auto-call. I do not owe them or anyone money! They will not stop harassing me with their calls. When I do answer there is no one to talk to. I've lost control of my privacy due to these calls.
Credit Bureau Associates has puta collection/charge off on my credit for a account that is no longer mines!
We fell behind due to Hurricane Irma and received a " Special Forbearance '' and have submitted packages 5 times to resolve this issue each time we are told we have to submit another package which we do. We were told in XX/XX/XXXX all we had to submit was a pay stub from XX/XX/XXXX before Irma and a recent pay stub along with proof that the work on the work had been completed which we did. We had our authorized third party XXXX XXXX XXXX call in XX/XX/XXXX and no one there remembered what we had discussed. So they said it was " the holidays '' and to call back afterwards. We called on XX/XX/XXXX and we were told that they were still looking into the issue and to call back in a couple of days so they could log those pay stubs and info on the home repairs on the system. We called today XXXX and we were told we could fill out a new package if we wanted to avoid foreclosure. This has been going on for over a year now and we don't want to lose our home, but it is apparent this company does not care.
On XX/XX/2019, I wired from my JP Morgan Chase account {$110000.00} to my wife 's account in XXXX to XXXX. 

The XXXX exchange rate that day was : XXXX US Dollar to XXXX XXXX XXXX. 

XXXX paid their own rate at XXXX XXXX to XXXX XXXX Dollar The difference that I received was a difference of {$13000.00} US Dollars, or {$240000.00} XXXX XXXX. 

I made the transfer using my mobile app, which I had used to transfer money to that same account in a previous wire transfer with no such penalty. Had I known that I was facing a HUGE discrepancy in total payout, I would NOT have made this transfer. JP Morgan Chase failed to alert me that I was in danger of losing a great amount of money.
XXXX XXXX XXXX Accounts are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.
I C Systems sent debt to collections entered it on my credit report never contacted me on my credit report it doesn't provide any identifying info such as an account number or anything
XXXX XXXX Account No.XXXX is wrongfully appearing on my credit file on EXPERIAN, XXXX & XXXX.They are the second collector to wrongfully pursue collection for the original collector XXXX who violated the California law regarding the IMPLIED WARRANTY statutes.XXXX also committed fraud, knowingly selling cellular service for which they had insufficient cell towers to provide adequate service. 
All three bureaus have verified through dispute this account in support of the collector trying to collect a fraudulent debt.When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone for XXXX dollars.The replaced phone had a problem with the charging port.I struggled for about a month until the phone was dead and wouldn't take a charge.I didn't want to pay another XXXX dollars to risk getting another defective phone.The service itself dropped calls and my phone was on roaming at my own home on XXXX.XXXX phone service can lose a call if the wind blows.I was being billed heavily as I had added my girlfriend on to the service.The carrier XXXX could not provide adequate service from many locations and I had two defective phones in a row.I abandoned the service and moved to another carrier.The charges to me are wrongful and unfair and illegal in my state.
I applied for a loan through State Farm Bank XX/XX/XXXX. I have since provided all the required documentation they 've asked me for. I also paid to have an appraisal on my home. I locked in my rate for 60 days. 

Now, I am on my second appraisal, my lock has expired a few times and I have had to re-end them additional documentation and still do not have answer as to whether my loan will close soon or not.
I recently filed a complaint with the CFPB regarding a dispute of a charge w  ith Barclaycard. The amount has always been in dispute. As a result of that complaint, the President 's office of Barclaycard agreed to remove all late charges and interest from my account and I am now in a billing cycle in which I can pay the charge with no fees.
Nevertheless, Barclaycard reported my account past due with late payments assessed to all   XXXX   major credit reporting bureaus. I have disputed this reporting with all  XXXX  credit reporting bureaus and   XXXX   has responded with an unsatisfactory result.
I was a victim of the XXXX XXXX, 2017 Equifax security breach and my credit information has been access without my consent.
I 've been enrolled XXXX at XXXX ( XXXX, RI ) for the past few semesters and have been successfully able to defer my private student loans. Unfortunately, this semester a course that I am required to take was not offered at XXXX XXXX. I needed this course to apply to XXXX so I chose to take an online course through the University XXXX ( XXXX, XXXX ). Even though I was enrolled XXXX between these XXXX universities, I was told by my student loan servicer ( Navient ) that I was not eligible to defer my loans because I am taking classes at more than XXXX school. They told me that in order to defer, I would need XXXX school to report me as XXXX, which neither school was willing to do because that would technically be inaccurate information. I submitted documentation from each school verifying my enrollment but I was still denied the ability to defer. I am now behind on payments since I was unable to afford tuition and pay my loans at the same time.
My personally identifiable information was obtained from Equifax by an unauthorized third party. As a result the security of my identity will forevermore be in question. Additionally, this incident will cost me both time and money while I attempt to take the proper precautions to reduce my likelihood of becoming a victim of identity theft.
According to the collection agency that this account was turned over to XXXX XXXX ) I received a letter that stated that this account would be removed from my credit report but it is still showing on my report.
NATION STAR FILLED A SATISFACTION OF MORTGAGE.   I NEED A LETTER FRO M NATIONSTAR WI TH THEIR LETTER HEAD STATING THAT I OWE NO MORTGAGE WITH MY NAME ON THE PROPERTY  XXXX   XXXX   XXXX   NATIONS STAR 'S   COMPUTERS STILL SHOWS I HAVE A MORTGAGE i saw that NATION STAR MORTGAGE filed a satisfaction of mortgage with  XXXX . this doc was available in  XXXX . I downloaded the satisfaction of mortgage doc and sent it to them for verification, they 're still showing that i have a mortgage with them. it 's over 2 months now since i sent them the document and been calling them almost every day with no response as to why they have n't verified their own document. They sent it to a research team that ca n't be reached but only internally. I ca n't get no phone number or email for this research team. so I 'm just stuck with a satisfaction of mortgage saying the mortgage has been discharged, but nation star still has a mortgage with my name on it. I verified my credit reports and the mortgage has been removed. I need help, i ca n't wait for a year for them to verify in their dept a document their company filed
I am a co-signer for a loan. The student is not able to pay any amount towards this loan. I wanted to consider paying off a negotiated amount. I talked to a manager and was told they would consider 90 % payback. I asked the woman if I could talk to her manager. She told me he does not talk to anyone. So there is no one who will help me with this problem. The original amounts total {$4300.00}. It is now {$6400.00} because of interest. Interest rate are 9.625 % and 10.25 %. The lending instituted was not clear that this was a private company, leading borrows to believe it was a government agency. I feel this is dishonest and misleading.
I am concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Delinquency reporting error. 
I want all the Credit Bureau to update my payment paid as agreed.
Upon recent review of my credit reports, I noticed a collection account outstanding from XXXX XXXX XXXX ( XXXX XXXX XXXX ) for the amount of {$950.00}. I 've since tried to contact the company to resolve the account on 2 separate occasions asking them to provide proper validation to verify the account as being owned by me as outlined by the FCRA. The account remains unresolved. The first goodwill letter was sent and received on XX/XX/XXXX and the second on XX/XX/XXXX. I 've received correspondence from the collection agency with account statements attached as proof of ownership however nothing that bares my signature.
Rushmore Loan Management Services LLC, a debt collector and servicer of the mortgage, on several occasions have authorized XXXX XXXX XXXX, to change the locks on my property. XXXX XXXX has illegally locked me out of my home, by breaking the lock, entering the home, removing valuable items, clothing, jewelry, removing food from the cabinets, etc. and replacing the lock on several occasions, leaving me unable to enter the property upon return which is late at night. I 've had to sleep in my car because of the illegal lock out. I 've replaced the lock at least three times in the past four months, at a total cost {$75.00}. I 've called and spoke, to both XXXX XXXX XXXX, the party who does the lockout and Rushmore to the manager on the account. The first lockout, I changed the lock and entered my property, which was then removed. On the second occasion, I called XXXX XXXX XXXX to inform them that the property is not vacant or abandoned. I was referred to Rushmore. After speaking with the manager on the account, he advised that I meet with their representative at the home and provide identification prior to be given the keys from the lock box to enter my home. I could not meet with them since I would have to leave my job to do so, and to be on their time frame. So upon return to my property, I again changed the lock and entered my home. This was again replaced by XXXX XXXX on XXXX XXXX, 2015. I have since replaced the lock and have placed trespassing signs on the property. Furthermore, on XXXX/XXXX/15 I have written a Cease and Desist letter to both Rushmore and Field Asset Services. The home is in foreclosure, but the debt collector has not proven that it is the proper party in the case, thus, the case has stalled and there is n't any activity on the case as of to date, and there is no judgment. This is very stressful and uncomfortable, because when you leave work and decide to drive 2 hours to get home and find the door lock changed, and you have to sleep in the car, as I 've had to do, this illegal activity must be ceased. I am hoping that Rushmore and XXXX XXXX XXXX comply with the Cease and Desist letter. I hope this agency can be of assistance in this matter.