WillisBack/dataset-financial-user-claim huggingface dataset:
I have used PayPal for years, with my charges being deducted from my bank account. I enjoy the convenience of PayPal while shopping online without having to enter my credit card number for each transaction. 
Earlier this year I began receiving emails saying I owe PayPay Credit money. I never knowingly applied for credit with PayPal. I called right away and settled the account, asked it to be closed, and also asked how I ended up with a credit line from them. They were unable to provide a good explanation on how the account was open. 
I have since received more emails saying I owe an additional balance. I assumed it was an error until I received a collection call today. The collectors were rude and demanding. It turns out that I did make purchases that I thought would be coming out of my bank account, as they had before, but instead ended up on a credit line that I had previously closed. I settled the amount of my original charges after finally getting the collector to waive late fees and finance charges. My biggest concern ( besides getting called at work on an account that should never have existed ) is that I still do not know how I ended up with a PayPal credit line, and that others may end up in the same situation. I am responsible enough with my debts to know what I owe and what I do n't. My fear is that others who are less diligent will have accounts open and accrue late charges and interest without ever meaning to. In my opinion PayPal credit was deceptive, if not fraudulent, in how I got a line of credit in the first place. Practices such as this should not be allowed. Now I ca n't use the convenience of PayPal for fear that the charges will again end up as a debt instead of coming out of my bank account.
XXXX XXXX XXXX is the Parent company I actually attended the campus in XXXX XXXX, CA which as you can see no longer exists. I was unable to complete my degree program because this campus closed. I received a certificate. The classes I needed to take were not available in the next module so I had to wait for it to roll around again, so technically I was not enrolled when the campus closed. I explained this to the Navient representative in a request to relieve me of the debt under the provisions of the school closure provision. They denied the request because I was not enrolled. XXXX would not allow me to enroll because THEY KNEW they were closing the campus! They gave me the option of going to XXXX or XXXX/XXXX XXXX to finish. Those are HOURS away from my home. This is not what I paid for or signed up for. Navient indicates I have the option to finish because I can go to one of these campuses.XXXX is a XXXX XXXX, it does n't have dorms, XXXX is 1.5hrs one way with traffic it 's more like 2 hours. XXXX is 3.5 hrs away. This is an absurd idea that I would spend 4 to 7 hours on the road each day in order to finish this degree. 
I feel they are not following the intent of provisions of the school closure remedy because they are only interested in their money not the burden it has placed on the student.
Back in XXXX XXXX incorrectly charged me for service that I did not have. This incorrect debt got sent to collections but after resolving with XXXX ( they realized I was wrongly billed XXXX $ XXXX and disputing it was removed from my credit report. 

Now a year later in XXXX, the debt collection agency " IC System '' has reopened this collection and negatively affected my credit.
I purchased a bed frame from XXXX XXXX XX/XX/XXXX and when it was delivered it came in an open box with missing parts and missing instructions. I called the store to have them replace the item and they said they would but failed to pick up the item and give me a credit. SO I called my credit card and opened a dispute. When I did this Citi sent me a letter requesting some information and I immediately filled out the letter and sent it back in by mail as this was the only option given to me. During that time I received an email on XX/XX/XXXX stating they have received my letter and would have an answer shortly. The next day XX/XX/XXXX, i was told I did not mail the letter and declined my claim. I called them about it and they hung up on me twice before I was able to have the case reopened. 
I am shocked and disturbed th
at Citi card actually allow merchants to give broken/incomplete items to its customer. I have had to make over 7-8 different calls and send written letters to make my case. This is a perfect example of how a credit card makes it hard to place a dispute, they are not protecting their customers at all. This is a stalling/deterring tactic so consumers can be taken advantage of.
XXXX XXXX falsely reported a late payment on my mortgage after changing my billing in mid bill cycle during an escrow analysis. They increased by mortgage by XXXX in the middle the month and demanded a payment of that amount without my knowledge of the change until the night it was due. I called and they agreed it was a problem and that they would work on readjusting the payment and that this would not affect my credit, they also tried to get me to do loan modifications etc, and refinance while I waited. They adjusted the payment to a mere XXXX my previous payment, which I promptly paid. They then reported me for month that they changed my mortgage as being late even thought they told me they were changing the payment and that this would not happen several times on the phone. I was not interested in waiting around for a refinance, I just wanted to figure out a way to sell the house and get away from it and make my payments on time which I did after they changed the bill. They tried levying insurance on property that I did not need to add extra bills as well. They could never explain the escrow analysis and why they tried to destroy my credit and lied. Equifax did not do a good job of looking at the facts and the evidence. They should immediately remove this. I am not alone, this is a practice that has affected XXXX XXXX customers. I never pay my mortgage late in 10 years. They are predators. Equifax should use due diligence in their investigations and really look at the evidence and payment histories of those that are in question. Mine was stellar. There are XXXX complaints just like mine, not coincidental, I 'm sure.
I have been paying Financial Asset Management Systems ( FAMS ) for two years on a student loan debt that is owned by XXXX. FAMS has been miscalculating my payments and not applying my payments correctly to the alleged balance which is a flagrant violation of the Fair Debt Collections Practices Act. FAMS has been adding interest to the balance which is also a violation of the Fair Debt Collections Practices Act. 

I would be willing to settle the student loan debt for {$5000.00}. XXXX had offered a settlement agreement of about {$10000.00} more than 6 months ago. I have been making monthly payments throughout this time to FAMS, including after XXXX offered that settlement agreement. I would be willing to settle the debt for {$5000.00} as I have already paid XXXX thousands of dollars over the past two years. 
During the past 4 years I have filed multiple written complaints and have copies of, against XXXX and their debt collectors for flagrant violations of the Fair Debt Collections Practices Act. 

I would be willing to settle the debt for {$5000.00}. I have been making payments to FAMS for two years each month even while experiencing tremendous financial difficulties. I would need the settlement confirmation in writing from XXXX. In addition, before FAMS I also paid another debt collector that XXXX had hired to collect on the debt, thousands of dollars. The only reason XXXX switched from the old debt collector, XXXX XXXX XXXX, to FAMS was because the old debt collector flagrantly violated the Fair Debt Collections Practices Act, which is something that FAMS has also done. I would be willing to settle this debt for {$5000.00}.
A man introducing himself as XXXX XXXX leaves voicemail messages indicating that he is calling from the Law Offices of D Scott Caruthers and to return his call at XXXX. Calls on a very frequent basis. Calls are invalid and annoying. Bordering on harassment as the nature of the call is never disclosed.
I got a message from someone claiming to be a process server. He told me that he has papers in my name and social security number to serve me and that he would be serving me papers at my home or place of employment. He left a toll free number to call back with a case number to reference. I call back and they say they are mediators calling on behalf of Wells Fargo for a debt that is at least ten years old. A man named XXXX XXXX says say that if I arrange payment that day Wells Fargo would no longer sue me. They say they are a company called XXXX XXXX XXXX and offer mediation services. They say that if I don't pay on the phone I will be served papers and have to appear in court and will owe 4 times the amount if they take it to court. He told me that Wells Fargo wins 97 % of cases. He scares me into making a payment plan which I immediately cancelled after I got legal advice. They sent me an email afterwards and the email was not from the mediation company they claimed to be from. It turned out to be from XXXX XXXX XXXX XXXX. Never once did they say this was an attempt to collect the debt or send me notifications. He also bullied me by telling me the statute of limitations was not over because they sent me a letter in 2015 ( which I never acknowledged ). He harassed me and threatened to call my employment.
On XXXX XXXX, 2016 I received a letter from Online Collections dated XXXX XXXX, 2016 demanding payment for an outstanding utility bill owed to the City of XXXX, KY. That letter is attached. I responded that same day by fax and by Certified Mail disputing the validity of the debt AND providing a confirmation number ( XXXX ) showing that the claimed balance of {$69.00} had been paid on account XXXX. 

Despite this dispute and proof of payment, Online Collections placed this account on my XXXX credit report.I subsequently received a letter from Online Collections dated XXXX XXXX, 2016 cancelling the collection AND agreeing to remove the collection account from my credit files. The account was removed, as promised, from my Equifax credit report on XXXX XXXX, 2016. 

Then, it gets complicated. 

Despite the letter dated XXXX XXXX, 2016 cancelling the collection, and despite my timely dispute of the validity of the debt which was never answered, and despite my providing Online Collections proof the full balance due was paid to the original creditor ( City of XXXX, KY ) on XXXX XXXX, 2016 Online Collections added this collection account to my XXXX XXXX XXXX file. I have attached a copy of that credit report page, as well as documentation that this false account caused an immediate XXXX point decline in my credit score. I have since submitted a dispute to XXXX XXXX including proof of payment to City of XXXX, KY and cancellation of debt from Online Collections. I am awaiting resolution.
I paid my mortgage payment (XXXX) in XX/XX/XXXX to XXXX. In XX/XX/XXXX, XXXX sold my loan to Bank of America. Bank of America stated that they did not have a record of me paying in XX/XX/XXXX so I doubled paid Bank of America in order to prevent any issues. I paid twice (see attachment) in XX/XX/XXXX, which included one payment for XX/XX/XXXX and an extra charge of XX/XX/XXXX as well. To resolve the issue, I called Bank of America and went in person multiple times. They told me to get my payment history and they would resolve everything. Thus, I obtained my payment history (see attachment) from XXXX that showed my XX/XX/XXXX payment (XXXX) being made. I also obtained my bank statement (see attachment) that showed my XX/XX/XXXX being made. Even though I provided evidence to Bank of America, they have not acknowledged that I paid or refunded my payment. I would like to receive a refund for over paying XXXX, since I doubled paid for XX/XX/XXXX. One payment was made for XX/XX/XXXX in XX/XX/XXXX. The other payment was made in XX/XX/XXXX was also for XX/XX/XXXX.
I did not receive the debt verification they say they did send. I was offered a settlement on a unverified debt. I feel harassed by these people.
I have tried repeatedly to resolve an issue with Credit Karma for over a year. I have emailed them to let them know that I am not able to access my account because my phone number associated with the account when I set it up over a year ago ( XXXX ) XXXX was puned or taken over by someone else. Credit Karma ignored my requests to help change the number associated with the account and then to close the account. I received numerous emails from them that say things like someone added you as an authorized user on their credit card and that they received the information from XXXX XXXX. When I contacted XXXX XXXX they said that they did not have any information about me being added as an authorized user on someone's credit card. I have had a lot of issues with identity theft and the fact that Credit Karma continues to keep my account open and I do not have access to it is very concerning to me. I would appreciate any help that you could give me as Credit Karma ignores my request to close this account.
Company calling on behalf of a law firm XXXX ... or something like that.. but they wont give out their company 's name ... they are stating they are not a collection agency. They have called 3rd party family members multiple times telling them they will put a lien on our house.They say they are n't violating fair debt act because they are not a collection agency. They are harrassing us and our family though.
Explanation of complaint : I was using the atm machine to deposit three checks totalling around {$3300.00} ( Paycheck through XXXX XXXX, Check from XXXX XXXX and a Check from XXXX XXXX XXXX ). I told the US Bank Staff Representative on site. The staff member told me they will give me a provisional credit in 10-business days, investigate my account and have a solution to me within 45 days. After complaining on XX/XX/XXXX and again on XX/XX/XXXX when they called me back that there was nothing they could do, they did agree to waive any of my overage fees. To me this is unacceptable. I could see it taking 3-5 business days, but 10 business days is unacceptable. I will have to incur credit card debt and other penalties from other agencies that may have auto-withdrawals with my account. Some of the money is repayment for a vacation house that we reserved and will be penalized for in interest fees.. I would appreciate any help you can give me, and I know that other poorer people could lose more than the interest and penalties that I can afford to pay.
Contacted by phone regarding a debt I have no idea about. When asked to send verification of the debt company refused and stated they would send a receipt of payment after I paid {$450.00}. Threatened to sue and take me to court and stated I would then owe {$1500.00}. Threatened to contact my employer. Any attempt for me to get verification of debt they refused. Refused to give me their address to any contact information or verify a debt. 

They refused to give physical address. Only email : XXXX Phone number XXXX
Received electronic notification from credit monitoring service of new derogatory entrants to my credit reports. In all, 11 accounts reported to my XXXX, 5 to XXXX, 5 to XXXX. The accounts are for {$100.00} a piece, all share the same account number with each individual entrant listed as Acct # XXXX, XXXX, XXXX, etc. 

No communications were mailed to my address. Upon calling the debt collector listed, was told I better pay all outstanding balances immediately before " we XXXX XXXX your credit score even more. '' My credit scores have gone down over 60 points across the board. This collector is entering false information into reports first, then using it as blackmail to prevent further credit damage. I have zero accounts for any of the amounts listed.
For XXXX : I entered into an agreement to combined XXXX accounts into XXXX account. All docs were emailed and fax 'd several times. The email address and phone number to that particular department ( combined offers ) Never get a response nor does anyone answer the phone, and the rollover feature that 's on the phone is bogus. When I called into the main number I was informed its in process, I called XXXX and XXXX to express my concern on how this is going to be reported, as I have been told a payment is not due while this is being worked on. I was told several time this will not affect your credit. XXXX they reported XXXX delinquent. This dropped my fico score XXXX points, Im guess because its mulitple accounts. i called to inform them of this. XXXX have some very unethical practices and do some things illegal. Such as call your number cell and home XXXX times a day and leave numerous messages. i have never been 30 days with this company and have paid accounts off early. but yet they call prior to the bill due and after, they have several different numbers they use, its harassment. it is very stressful!!! its unfair to treat customers this way. I have uploaded a few pages of my credit report. Thank you
OnXX/XX/XXXX I contacted I C Systems via certified mail requesting proof of original documentation containing my signature in accordance under the Fair Debt Collection Practice Act section 809. I C Systems instead mailed a copy of statement or screenshot that included only dates an amounts owed. The correspondence sent to me from I C Systems did not contain any original application or documentation for proof verification. I. C Systems has again violated the FDCP
On XX/XX/XXXX I noticed a debit from my bank account for {$300.00} to " XXXX XXXX XXXX  XXXX  ''. I immediately called bluebird by american express to advise I did not make this charge or purchase, I was told to call back when the charge has processed as it was currently on hold status. 3 days later it had processed so I called back, they started a dispute on the charge & canceled my card & sent a replacement debit card & said it would take 7-10 days to resolve. I then emailed XXXX  about the charge & they responded to call their fraud dept. XX/XX/XXXXI called XXXX  fraud & was told the purchase was for XXXX XXXX tickets in XXXX XXXX on XX/XX/XXXX & that they couldn't refund the charge because the event had already taken place & the tickets were used. XX/XX/XXXX I called bluebird by American Express again to see where the investigation was at & why my funds were still locked. This is my checking account, my paychecks are direct deposited, all my funds are in this account and have been locked for 20 days. Bluebird advised my funds would be locked until I activated the replacement debit card, which I still hadn't received so they had to send a second one. My dispute was denied even though I could provide proof I was no where near XXXX XXXX  at the time of the incident.
I have received several calls from XXXX with XXXX. She informed me that it was for my Lending USA account. As the call started she was very rude, she then began to harass me and ask " why have n't you made any payments, I mean you have n't paid in MONTHS '' in a very demeaning tone. I then ended the call. She then called my work phone and tried to get a response from me while I was at work. I called back and informed them that they have no business calling my work. She then called a friend who was a reference on the loan but in the voicemail she stated that it was an attempt to collect a debt which they are not legally supposed to disclose. After that she then called my sisters, husbands parents in which I do n't even know so they called my sister and told her that I am being sued and this lady XXXX keeps leaving voicemails stating that it is pre-legal and attempt to collect debt. Once again breaking the law disclosing personal information to people I do n't even know. I then got a call from her XXXX XXXX who wanted to follow up on a phone call that XXXX had with me. He was just as rude and said some people get loans and never intend on paying them. Most people will do good and pay their stuff but some do n't. I informed him of the calls that XXXX had been making and informed him I was waiting on hearing back from a lawyer as I read up on my rights. I informed him that XXXX was very rude, he then replied we are n't in customer service we are debt collectors we are n't here to baby people. So I ended the call and have not heard from them since.
It is showing on my credit report that i owe money on XXXX when i already paid everything. Infact I still have an open account on XXXX for my internet swervice and home phone service. I have ask XXXX why is this Debt showing from this company and they have told me they dont know why or how. They said they have contacted the Debt collector and told them that i dont owe any balance from them and they still didnt take it out of my credit report. I have called the Agency to show me proof of this Debt and they refuse to send me any document. This is affecting my credit big time since im trying to build my credit and purchase a house.
We filed a complaint against Experian about 45 days ago. In the complaint we specifically stated that the company never issued us a number to unfreeze the credit bureau report when we paid to freeze it. Therefore, we are unable to unfreeze the credit bureau report in order to apply for credit. Since the original report, Experian sent us a copy the credit bureau report. This is not what we asked for. Experian needs to send us a number to unfreeze the report.
There are fraudulent inquiries on my credit report which I reported to Equifax but has not been removed. I contacted them several times about this matter but nothing has been done to resolve it. The following are fraudulent inquiries XXXX XXXX XXXX XX/XX/19, XXXX  XXXX XX/XX/19, XXXX XXXX XXXX XXXX XX/XX/19, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
On    XXXX   XXXX   ,  2017  I received an email titled " NOTICE OF ACCOUNT CLOSURE AND PENDING DISABLEMENT '' while in  XXXX  on vacation. Coinbase thought I was a resident of  XXXX  and that " If you are not a resident of a sanctioned country or otherwise have received this notification in error, please contact us at  XXXX  XXXX  XXXX  immediately and provide us with a copy of a photo ID and proof of your current address. " I immediately sent them the documentation requested and after 3 days on    XXXX   XXXX  ,   2017  I received a response from their customer service that the issue was being investigated by a  specialist  and I would be contacted when there was an update. After not hearing anything for a few days I responded on  XXXX   XXXX ,    2017  just asking for a status update. I have yet to hear back from them. I have also tweeted at their customer support  (  @ CoinbaseSupport ) MANY times to no avail. My support ticket number from the original email is  XXXX  So at the moment I have no access to any of my funds ( both USD and ETH ) that are in my Coinbase account.