WillisBack/dataset-financial-user-claim huggingface dataset:
this is in reference to paypal.a backhoe was for sale on XXXX, talk to the owner.said he do n't take credit cards.seller said he would send a invoice to my email.i told seller had only XXXX credit at paypal.seller said XXXX takes credit cards, next thing the invoice was sent I said ok and made a call back to seller.i said what is next. the seller said you are all set you are paid in full. I said how I only had XXXX and I just had received a XXXX -- raise but never XXXX.i just could not under stand how made a call got the run around. next thing I did was try to make as much payments I could. found out that I had 6months free interest. did not know what they were even talking about next thing some time at the end of XX/XX/XXXX, my statement came to my wanted post office mail paypal said they always sent mail. but they never did. only email.so in XX/XX/XXXX the statement said I need to pay only the min payment of XXXX never sent me a pay off balance. of what the balance was before they were going to hit me with interest.so I look at what the balance was and the balance was more than the last time I took a look XXXX now was XXXX some change. got a real hard time made a lot of calls. one call the paypal service name was XXXX, real wise guy. sent me an email. said that I will see some changes soon. on my account. next thing when I took a look. the interest was in the statement. but it was in a place you had to look for. XXXX. took the rest of my credit way. XXXX did in fact temper with my credit statement. XXXX never told me what he did but I could see clear threw. I made a lot of calls to pay the balance. with out the interest. which was around XXXXeach time I was told no no no they never sent me a pay off. they never told why they had to be the only ones. they made a jump from XXXX to XXXXjump to XXXX with out the facts of agreement. to me this is as bad as it gets.ps why is it that if you want to buy from XXXX. you have to go threw paypal. why is it when you press the button to buy and made a mistake. the item is paid for and you have to go threw XXXX to get you cash back. you have to call XXXX, then paypal, and some times the seller. please help
This is a debt associated with my sister in law. I have phoned them twice to tell them that this is not my debt nor does my sister in law reside at this number. They have been calling every single weekday for over 8 months.
I was a guarantor on a loan for my Kids, and I am know being Audit by the IRSI spend an entire week trying to get information for the loan in question by IRSCancellation of Debt : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX / Date XXXX/XXXX/12 / Amount Reported to IRS : $ XXXX have called every one under the sun to try to get this information, and I have not been able too get anywhere. I have a date line to get this information to IRS by XXXX XXXX according to the XXXX XXXX, the loan is with : NavientXXXXXXXX XXXX XXXX, PA XXXX Help
Hi, I received a prepaid card for {$240.00} on or around XXXX/XXXX/16 as a rebate on a promotion. I 've used the card a few times over the year, and when I recently tried to check the balance, I was told that the card was only valid for one year and all remaining funds had been removed from the card. I understand companies needing to charge a maintenance fee if the card has been open for a long time, but to remove all remaining funds from the card after less than a year seems a bit extreme.
I have disputed by mail, phone, and online the inaccurate bankruptcy information on my credit report. I was advised the bankruptcy would be deleted however, it remains listed on my credit report.
XXXX XXXX at Bilateral Credit is contacting me and my family after I have sent a cease and desist letter. He is using tactics such as 'spoofing ' his phone number. Rather than showing his real phone number or a 'restricted ' phone number, he is using software to make it seem like the XXXX , XXXX, or even XXXX office is calling. He is trying to harass my family with these tactics.
EXHIBIT A - herein annexed Personal information, page 25 of 26 of Experian credit report number 1 XXXX , Dated  XX/XX/XXXX  showing PO BOX address with an Address identification number  XXXX  linked to   XXXX   XXXX   with the same address identification.
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On  XX/XX/XXXX ,  XXXX  credit card representative and that persons supervisor,  XXXX , denied any PO BOX address in their records, therefore, they can not report such PO BOX to anyone.
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As a result, this PO BOX address must be removed from ALL credit reporting agencies.
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EXHIBIT B - herein annexed Account in good standing page 20 of 26 showing   XXXX   XXXX   with the same Address identification number  XXXX  that establishes a link between PO BOX address and this credit grantor,   XXXX   XXXX  .
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On XX/XX/XXXX ,  XXXX  credit card representative and that persons supervisor,  XXXX , denied any PO BOX address in their records, therefore, they can not report such PO BOX to anyone.
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As a result, this PO BOX address must be removed from ALL credit reporting agencies  .
I have consistently asked Trans Union, XXXX, and XXXX Credit Reporting Agencies, to remove in-validated inquiries off my credit report. I have asked them for proof of these remarks. Trans Union has sent me two letters, which state that they " Do not investigate inquiries ''. This is in violation of the Fair Credit Reporting Act. I have the " Lawful Right '' according to FCRA [ 632 ( a ) ( 3 ), 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] to dispute/challenge any and all negative remarks on my credit reports. They will not budge on my requests to investigate these claims.
I contacted the Original debtor and I spoke to th original debt company and offered a payment they agreed to remove it, However I still see them reporting it to th Bureau. XXXX removed it however thy did not for XXXX and XXXX. The debt is over 5 1/2 years old. I spoke to Walmart they said it stays on for two years for a total of seven however the debt is down with and the creditor is suppose to contact all Bureaus the remove the collection off of my credit report
XXXX   XXXX  I moved into a new house in a different city and transferred my services to that address. A few months later I received bills in the mail for a different addr ess on the same street with my name on it. It appears that duplicate accounts were made with my name and social security. The company would call me couple times per day to the point I had to block their number. I contacted them twice and spoke to the collections department both times they stated that two acco unts were registered and my social security number. I never received any calls or mail about being sent to collections. Most recently  XXXX   XXXX  I received notice via my credit report that I had an account in collections with an agency.
I had a negative mark on my credit and wells fargo wont take it off. My car was un a total loss and my insurance paid. And it shows that i still owe XXXX dollars. It has made my life impossible the past 3 years.
att, credence resource management and XXXX cobtinue to report disputed account due to identity theft that has been previously filed and certified mail to each parties concerned yet they claim this debt belongs to me after thorough investigation I have asked for paperwork and or validation of the debt and they have not responded to my request
This is a complaint from XXXX XXXX against Mercantile for Mercantiles failure to provide requested information for the debt alleged. Consumer,  XXXX, received a demand letter from creditor, Mercantile. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/XXXX, Mercantile responded providing only statements. On XX/XX/XXXX, XXXX sent another letter requesting more information, specifically information which shows ownership, as Mercantile is not the original creditor. On XX/XX/XXXX, Mercantile again responded with the same information as its XX/XX/XXXX letter. 

Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
XXXX endorsed my dependant into my auto policy causing my auto insurance premium to rise doubled after knowing that I disagreed to add my son XXXX as my dependant to my auto policy. I forward to them a check up to 10 % of unearned insurance for the month of my cancelation XX/XX/2018 after they cashed the check they sent me another bill for the difference and sent me to collections. Allstae actions has lower my credit scores from XXXX to XXXX. 

Unlawful harassment may occur with or without economic injury to, a consumer. I drive my dependents, friends, etc. my self when I need to and when I choose to do so anywhere in the USA just like everyone else. This is my constitutional right. 

An investigation into Florida 's Auto Policies underwriting policies forcing consumer 's to add dependents into consumer 's policies after insurance policy underwriters know they re not allowed to endorse a dependent without the permission of the vehicle 's title owner and when the underwriter 's know that the auto policy consumer who is the owner of the vehicle owner and does not agree to add the dependent and the dependent is not permitted by the owner of the vehicle to drive that vehicle and does not own that vehicle or any other vehicle. An owner of a vehicle has the right to say who can or ca n't drive their own title vehicle. 

An owner of a vehicle whose title of the vehicle is named only in that owners name has the right to transport any family member any friend any person they choose to transport at any time any where in the United States regardless of whether they live or not in the same household same state and specifically when that vehicle 's owner constitutionally has the right to decide who he ( or she ) may allow or may not allow others to drive their own titled vehicle. 

I am the sole title owner of a handicapped vehicle. My son is XXXX years old is my depedent and a full-time student. Prior to obaining his driver 's license we called XXXX to find out if Florida state law requires him to have auto insurance if he does not own or have title to a vehicle, he does not drive my only vehicle and he lives with me. The field support office employee XXXX stated he can have a driver 's license ( not speaking about a permit ) and does not have to have an auto insurance policy if he does not own a vehicle and he does XXXX XXXX in the state of Florida. 

XXXX is not the only insurance company who enforces Florida consumers to pay for auto insurance policies for dependants that the consumer has does not need. The insurance world enforcement tactics include endorsements unto a consumer 's auto policy a dependant without owning a vehicle nor is the dependant permitted to drive that  other person 's vehicle by the sole owner living in the same household. 

Florida Chapter 627.739 ; 627.7282, 627.7283
MY MORTGAGE LOAN HAS HAD XXXX DIFFERENT SERVICERS IN ABOUT A ONE MONTH TIME FRAME. BECAUSE OF THIS, SERIOUS ERRORS WERE MADE WITH MY REQUEST FOR MORTGAGE ASSISTANCE. I HAD INITIALLY APPLIED FOR MORTGAGE ASSISTANCE WHEN MY SERVICER WAS XXXX. MY FILE WAS IN REVIEW. ON XXXX/XXXX/2015 MY LOAN WAS TRANSFERRED TO XXXX XXXX. XXXX DID NOT TRANSFER MY MORTGAGE ASSISTANCE DOCUMENTS. A FEW DAYS LATER, MY LOAN WAS TRANSFERRED AGAIN TO BSI FINANCIAL. ONCE AGAIN MY MORTGAGE ASSISTANCE DOCUMENTS WERE NOT TRANSFERRED. BSI FINANCIAL WAS INFORMED THAT THERE WAS A COMPLETED PACKAGE FOR MORTGAGE ASSISTANCE. BSI PREFERS TO IGNORE THIS FACT. NO DECISION WAS MADE ON MY REQUEST FOR ASSISTANCE. IF MY REQUEST WAS DENIED, I WAS NOT PROVIDED A 30 DAY RIGHT TO APPEAL.
This dispute involves XXXX XXXX XXXX and an inaccurate reporting of my account status to Transunion and XXXX. After challenging the validity of the account I received feedback from Transunion on XX/XX/2018 which stated that the account was being deleted from my Transunion account due to being unable to very this debt with an original instrument of indebtedness. XXXX has stated that the account was verified and updated the status to paid, however they have failed to provide this original instrument of indebtedness. My concern is that the company could not provide this for Transunion, but somehow provided it for XXXX. It is my belief that XXXX is utilization information from a third party to validate this debt and without this documentation actually being provided. In a recent review of my credit report I see that this account was in fact not deleted from my Transunion and still remains in a negative status which is negatively impacting my score. The account in question does report to XXXX as being paid status, it does however have a negative payment history which directly impacts my ability to purchase a new home.
There was a security breach at Experian. The FTC website says that I can put a fraud alert on my account, but Experian is not allowing that. They only allow a freeze, without any customer service assistance, and they charge for the freeze. I want the free fraud alert since this is not my fault. Experian has set up their phone lines so that we as consumers can not speak with a live customer service representative, and the phone tree options only allow the freeze. This is extremely unfair.
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the XXXX tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
XX/XX/2018 I got an e-mail telling me that my scores were XXXX and now when I try to get a credit score thru any morgage lender it says XXXX. Somehow there is a problem with XXXX, Trans Union and XXXX no one can seem to get anything out of these three credit reporting services with my name, birthdate and ss numberas to what my scores should be
I have contacted Experian after checking my credit report and saw a list of inquiries on my account that I did not authorized. I was informed by a rep ther was nothing I could do but speak to those companies and after calling check one the advised I was not in their system. So I contacted Experian and again was told I have to wait two years for them to fall off, I do not believe this is fair as they are not mines. I am listing the inqurires which I show on my account. It scares me to see this incorrect information and not getting any help, this is my personal information and affects my liveihood. 
1.XXXX XXXX/XXXX/XXXX 2.XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4.XXXX XXXX/XXXX/XXXX 5.XXXX XXXX/XXXX/XXXX 6.XXXX XXXX/XXXX/XXXX 7. XXXX XXXX/XXXX/XXXX 8. XXXX XXXX/XXXX/XXXX 9. XXXX XXXX/XXXX/XXXX 10.XXXX XXXX/XXXX/XXXX 11.XXXX XXXX/XXXX/XXXX 12. XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX 14. XXXX XXXX/XXXX/XXXX 15. XXXX XXXX/XXXX/XXXX 16. XXXX XXXX/XXXX/XXXX 17.XXXX XXXX/XXXX/XXXX 18. XXXX XXXX/XXXX/XXXX
I am the cosigner on three Sallie Mae loans with my son, XXXX XXXX : Sallie Mae Smart Option Loan # XXXX ( current balance {$54000.00} ) Sallie Mae Smart Option Loan # XXXX ( current balance {$53000.00} ) Sallie Mae Smart Option Loan # XXXX ( current balance {$23000.00} ) These loans are currently in forbearance as my son can not make the monthly payments which are {$570.00}, {$630.00} and {$250.00} respectively. While the loans are in forbearance ( which will end XX/XX/XXXX ) I attempted to contact Sallie Mae to work out a payment plan. Sallie Mae refuses to discuss ANY type of payment plan until the loans are in default. Obviously these loans going into default will have a strong negative effect on both mine and XXXX ' credit standing. I have tried to be proactive and attempt to work with Sallie Mae to make payments that are affordable. I can not understand why Sallie Mae refuses to even discuss any type of affordable payment plan until the loans are in default. This makes no sense either for them or for the consumer. Why are they so unwilling to work with a client who genuinely wants to be responsible and get the loans paid and NOT default?
This matter has to do with PayPal. I have sold goods and I used PayPal to get paid and now PayPal wants to hold my money for 6 months with no cause. Paypal sent me an email requesting further information before the money would be released to me. They asked for an invoice of the goods, tracking information with weights and dimensions and my state issued drivers license. I provided all of the information the same day. Soon after they said they wanted me to pay on an old debt that my dad owes. Why would I have to pay for this?? He 's his own person and legally it 's his debt not mine. I 'm only XXXX years old and live at home with my parents and because the address is the same they want to pin my fathers debt on me. Makes absolutely no sense what so ever. I am not legally obligated and PayPal is holding my money hostage again I 'm sure not legal. My customer is happy with his products and it has been now 3 months.
I had a credit card opened in XXXX with XXXX, XXXX after I was married to my husband in XXXX. Even though it was in my name, we both used the card for both of our use, which included purposes for the home we bought in XXXX. However, since the credit reached a substantial high of {$6500.00}. along with other credit cards we had that we made home improvements on, we decided to refinance on a 2nd mortgage in XXXX with XXXX Mortgage eliminating these debts. Unfortunately, XXXX child later, and in XXXX, we divorced and I 'm left in a strict foreclosure after losing my job due to the economy crisis in XXXX and working XXXX jobs to meet the mortgage and during XXXX job I took a fall which left me on worker 's compensation since XXXX, still fighting for XXXX. However, let me be brief ... XXXX, XXXX apparently sold off debt to XXXX XXXX , XXXX in XXXX, that 's 13 years later. I 've never had it on my credit report since then. Like I said, I refinanced the debt in XXXX. When I received the letter from XXXX XXXX , XXXX XXXX XXXX ( which by the way is over the statute of limitations in CT ). I immediately advised them that this credit was refinanced in XXXX and she said ok I 'll take care of it. There must have been an error. I was never notified any time after that, but I was taken to small claims court in XXXX XXXX where there was a judgement against me yet no papers were ever sent to me for {$5000.00} judgement 2 months later. Then they sold the debt off to another credit agency called Resolute Credit who is now again taking me back to court and threatening me when they know that they can not go into my funds because I am on worker 's compensation and I was receiving child support which just ended and my son is living with me until he goes to College in XXXX. However, this man legally threatened to go after my checking account again for the same amount knowing I just turned into the court via fax An Exempt for Execution which I should n't have had to do in the first place because the Bank ( XXXX XXXX Bank ) should have been able to protect my money with my Divorce Decree on File as well as my Worker 's Compensation Check. They should have marked my account as Protected!! And they did not do their job. So yes, I believe this should be made public for others to see. So it does n't happen to them. And their should be laws put against these Credit Card/Collection Agencies that do this because now I have this on my credit report which ruins my credit report while I now need to look for a place to live and when they need to check my credit score, it brought it down traumatically. And they should be held liable for this damage.
Experian lists an incorrect address on my credit report : XXXX XXXX XXXX XXXX XXXX, WA XXXX. Experian claims I must contact the creditor who provided the information, but the creditor is not listed, and Experian will not provide me with the creditor 's contact information. Furthermore, any account/creditor associated with the above listed address has been opened fraudulently. 

I 'm XXXX and I can not contact Experian via telephone. They do not respond to my letters via mail. They do not respond to accommodation/modification requests to communicate with me in an effective manner. 

This is Experian 's response : " Please note that we store name, address and telephone number information as it is sent to us by your credit grantor or from information contained in public records. We are unable to remove accurate information. If you believe a name or address in your credit report is inaccurate, you may want to contact the source of the information directly. Please contact us by phone if you need additional assistance to determine the specific sources of particular name or address information on your credit report. "
I have been and currently a XXXX customer. They have informed me that I do not owe the XXXX dollars that is on my credit report. I want it taken off my credit report unless someone can provide the necessary papers to show I owe this.
the loan was modified b y Ocwen loan servicing but i could not make payments on the Loan because they lost my mortgage modification papers twice after approving them .by the time they finally fixed my loan the loan was kicked off by their system.they closed the loan and said and put in my credit report that loan was charged off as a bad debt. they actually sold the loan to another company and I am actually paying on the loan .Ocwen loan servicing  has committed an act of fraud against me.
This is a follow-up to CFPB case number XXXX, Wells Fargo case number XXXX. I was told by Wells Fargo on XX/XX/2018 that my next statement would contain the correct promotional terms ; however, my XX/XX/2018 statement still contains the incorrect promotional terms.
XXXX XXXX2018 I pulled my credit and saw CBSA collections listed for {$3700.00}. I contacted the credit beurus and CBSA to have it removed as I do not know of this debt. XXXX XXXX2018 I sent certified letters to the collection agency asking for validation of this debt containing any contract I signed with this company or proof of their right to collect on this debt and the amount that they are requesting. They responded with a typed itemized bill which does not consitute as validation per FDCPA. I have no contract with CBSA nor do I owe the debt they are claiming. They have not able to provide any document that I have requested to prove my ownership. This needs to be removed from all 3 credit beurus  immediately.
This debit is not mine. The message left stated they would take legal action and inform my employer and I better contact them within 24 hours.

They called my mothers home and told her to have me call them back. She was given a case number and phone number. The man told her I needed to verify the spelling to my name as its shows on my social security card.

I do not owe this debit and never gave them or anyone premission to call my mother.