WillisBack/dataset-financial-user-claim huggingface dataset:
PayPal misled customers into signing up for lines of credit they never wanted In XXXX, PayPal ( PYPL ) was ordered to refund {$15.00} XXXX to customers and pay a {$10.00} XXXX fine after the CFPB found the company had illegally signed people up for unwanted credit. Many who thought they were signing up for regular PayPal accounts unwittingly registered for lines of credit through the company 's lending arm, according to the CFPB. Some people only found out when they started getting debt collection notices for past due amounts or found evidence of the new account on their credit report
I bought my home in XX/XX/XXXX. My loan was originally owned by XXXX XXXX, I believe. Then XXXX XXXX XXXX XXXX took over the servicing part, I think. Unfortunately, I went through a divorce and the loan/note is in default. XX/XX/XXXX, it was sold to XXXX, in which they sold to XXXX, then back to XXXX all within a few months times ; and now they 've sold it again to FCI Lender Services. I am so confused because I ca n't find any assignments or transfers in deed records XXXX. I want this info so that I can reach out to apply for a loan mod. I am a XXXX and am very familiar with mortgages, default reconciliation, deed records, but I am not an attorney. I know that these companies must file notice, but I 'm unable to find anything on these companies, other than the correspondence they 've sent me. I 'm afraid to call because I do n't want to be scammed.
Went to The XXXX XXXX for a routine medical appointment early XX/XX/2018. Never received any letters from them or Armada Corp prior to them sending me to collections. I only went once, however Armada Corp divided the bill into 7 accounts, making it look like I have 7 claims against me. But most importantly the bill is only for {$170.00} and some cents, but Armada Corp is wanting me to pay {$270.00}. I spoken to a few representatives at Armada Corp but they all refuse to go down to the original bill. I am willing to pay the {$170.00} and some cents, but feel the {$270.00} is unfair and too extreme in collection fees. Also, I wish The XXXX XXXX contacted me first before placing in collections. I spoken to a representative from The XXXX XXXX as well, but they too did not understand why it went straight to collections. I requested for a rep to contact me from The XXXX XXXX to apply for charity care or some assistance based on income, however The XXXX XXXX never mailed me an application.
transunion or XXXX  is not letting me monitor my account which is a violation b/c of my id theft and been charged fees in the state of texas if youre a victim all fee 's are waived
XXXX made a purchase at XXXX XXXX XXXX department store in XXXX, mo. Received by XXXX bill. I made a payment from on line banking of {$100.00} to XXXX. Unfortunately I had XXXX accounts with this merchant ; a store card and a Mastercard. XXXX account was closed. The {$100.00} payment was posted to the closed account. In XXXX when I received by bills ( XXXX account had a credit of {$100.00} ) and the other account was delinquent. I immediately called XXXX. They indicated that the seen the issue and they would re-apply the payment to the correct account. I asked if I should make another payment. XXXX replied no. A few days later I received a collection call from XXXX. I explained the issue to the agent, who indicated that the could see what happened, but indicated that there were no notes on the account. They explained that they would re-apply the payment. I asked about my credit and indicated that they would note account and XXXX5 business days, my account she me corrected. A week later I receive an email from indicating by credit had a delinquency reported due to this past due account. I immediately call XXXX again and demand a SupervisorXXXX. XXXX indicates that the notes show me calling in several times and he was unsure why the {$100.00} was not transferred. He removed all the late charges ( so he explains ) and indicates that he will take care of this immediately. He will also make sure by credit is restored. I told him I would like to pay the card in full and close the account. He indicated it would be best to wait until the account is accurate. I agree. He explains that this will be expedited, XXXX5 business days. He also indicated that he will call me when the payment is posted and credit is restored. I requested a letter that would provide me with assurances that this will not affect my credit or me in any way. I am trying to purchase a house and this can effect by interest rate. To date, nothing has happened on my account. I have exhausted every possible means of getting this rectified. I am not sure how to clean up their mistake. I am getting no where. I recently wrote them and was told I need to contact their customer service team .... 120 days and the payment of {$100.00} is still in their possession, sitting in a closed account. I would like XXXX to correct their errors.
On XXXX/XXXX/16 I contacted XXXX to book XXXX hotel rooms. immediately within seconds after booking them, I called XXXX to cancel. I was told to call the hotel directly to cancel. I immediately called the hotels and talked to the front desk managers. I was told they would be cancelled. I called back XXXX and confirmed with them that I cancelled with thoe hotel directly. I was informed I would not be charged. I have bee fighting with CTiti for months now. I do not know what the issue is. I have been a valued customer of them for several years. I did not stay at these hotels and would like the credit appied and woldd like to continue my membership with cit.
Received a credit card in the mail from Synchrony Bank for Guitar Center  XXXX / XXXX /2017 - this was not opened by me. I have attempted to close this account this evening (  XXXX / XXXX /2017 ) and I have been repeatedly told that I have to reveal more information about myself in order to cancel the fraudulently open account. I do not know this bank, and I do not know the store. On my fifth phone call ( after nearly an hour total on the phone ) I was told they would shut down the account and initiate a fraud inquiry. I am concerned that the company will misuse my information and attempt to open additional accounts.
I have been working for over 2 days to speak to someone who can help resolve an issue. I have been told several times that the procedure to so have someone call me back. So far no one has ever called back, when I call I am just told that the procedure is to put in for a call back and we go through the same drill again. I am concerned about the lack of resources to escalate any issues. The issue stems from being given incorrect information from a customer service rep. At this point I have lost complete trust in them to give correct information, or to return a phone call. We are going on 72 hours with this at this point.
In XXXX XXXX I leased a XXXX XXXX from XXXX XXXX in XXXX XXXX XXXX. The lease was financed through Ally ( formerly XXXX ). I made my payment every month and did not have XXXX late payment from XXXX. I XXXX and purchased a XXXX XXXX XXXX in XXXX XXXX. I received a letter from Ally XXXX XXXX stating I owed money on my previous XXXX for a sum of over {$1100.00}. I then received a statement stating I only owed a balance of {$540.00}. I contacted Ally and set up payment arrangements to take care of balance. I agreed to pay {$100.00} monthly payments. My XXXX payment was made in XXXX. My XXXX payment was made in XXXX. My XXXX payment was not made because I received a letter from Ally on XXXX XXXX, XXXX which advised me that my balance was paid and my debt was satisfied. My father also being a Co - signer received the same letter as I did. I stopped making the payments. Due to the letter I received I felt that my obligation had been satisfied. In XXXX XXXX, Ally sent me another statement advising me that I still owed an additional {$300.00}. Because of the letter I received from Ally I disputed this amount for several months. Ultimately, I paid the {$300.00} and Ally proceeded to report my account as a charge off to the credit bureau negatively affecting my credit rating.
I have disputed this adverse Portfolio Recovery Collections account on XXXX, XXXX and XXXX several times as recently as XX/XX/XXXX. I do not own this account and the account information differs across three reports. All disputes have been " verified '' and the collections remains on my report. 

All Three of the Credit Reports reflect this account in collections and site 's XXXX as the original creditor. 
All Three of the Credit Reports there is no Date of Last Activity for this adverse account. 
All Three Credit Reports state " This account is scheduled to continue on record until XX/XX/XXXX for both XXXX and XXXX  and XX/XX/XXXX on XXXX. 

With the Statute of Limitations being based on the state the Original Creditor, and XXXX being incorporated in the state of Delaware, The statute of limitations is 3 years from the date of the last activity.
I was added to my dad 's XX/XX/XXXXoriginating XXXX credit card account as an authorized user in XX/XX/XXXX or XX/XX/XXXX. I was removed as an authorized user in XX/XX/XXXX. I am experiencing TWO problems with Discover : 1. Although I was authorized to use the card until XX/XX/XXXX,  Discover reversed once approved charges made from XX/XX/XXXX through XX/XX/XXXX. Discovered stated I was found to have used a card I was not authorized to use. 

2. Though Discover, in its act above, affirms I was not a card co-owner, and in fact - by their ruling, not even an authorized user, yet - Discover has twice refused to remove the tag line from my credit report. 

II am currently trying to get a mortgage and the debt reported, including payments my DAD is making are counting against my debt : income ratio.
I was never contacted and told that I owed {$520.00} to the city of XXXX for utility services.
I have lost access to my email that is associated with my coinbase account. 

I made a new email and submitted my ID and Photo so I used the new email to recover my account and the ID was accepted. 


It has been a month since I submitted my ID for verification but still no resolution to the issue. 

Note : According to Coinbase website, it takes 48-72 hours to verify the ID and photo
XXXX   XXXX   XXXX   XXXX   run  by Comenity contacted  a family member of mine ( my sister ), and gave them all of the details of my debt including how many payments I was behind, how much I owed them, and possibly more that I am not aware of on  XXXX   XXXX ,    2017. I   find this to be completely unethical, and dangerously reckless.
Hello, I received an email on XXXX stating I needed to make a payment : Statement Balance : {$350.00} Payment Due Date : XX/XX/XXXX Minimum Payment Due : {$100.00} I not sure if they are charging me a late fee? 

How can Target report me for a late payment and send the account to collections when I have been paying the account. This has also lowered my credit score. I tried to talk to the company to correct their oversight, but they have informed me their is nothing they can do. 

I made a payment on : XX/XX/XXXX {$100.00} XX/XX/XXXX {$250.00} ELECTRONIC PAYMENT I received a letter that my account went to collections. I called the Target to correct the matter on XXXX. I was told that they will not correct their report to the credit Here is all my payment history : XX/XX/XXXX {$250.00} ELECTRONIC PAYMENT XX/XX/XXXX {$100.00} ELECTRONIC PAYMENT XX/XX/XXXX {$170.00} ELECTRONIC PAYMENT XX/XX/XXXX {$370.00} ELECTRONIC PAYMENT XX/XX/XXXX {$290.00} ELECTRONIC PAYMENT XX/XX/XXXX {$190.00} ELECTRONIC PAYMENT XX/XX/XXXX {$520.00} ELECTRONIC PAYMENT XX/XX/XXXX {$50.00} ELECTRONIC PAYMENT XX/XX/XXXX {$180.00} ELECTRONIC PAYMENT XX/XX/XXXX {$95.00} ELECTRONIC PAYMENT XX/XX/XXXX {$35.00} ELECTRONIC PAYMENT XX/XX/XXXX {$220.00} ELECTRONIC PAYMENT I 'm not sure if I have been charged a late fee but if I have I would like that money returned ASAP.
I had a fraudulent charge on my account XX/XX/2018 for {$100.00} XXXX XXXX in XXXX WA .I tried to call them they said they couldn't do anything. I filed dispute with my bank canceled card they said they could not credit the fraud charges because they could not recover funds. What is the point of filing a dispute with your bank thought they were supposed to protect your money from fraud. What can I do I am out {$100.00} from someone buying a XXXX  on me. Can you help me with this problem? 

XXXX XXXX
Told me my account was settled and paid in full and even sent me text and ca n't seem to get their act together and want this collection activity to stop. Unable to contact XXXX due to leave of absence.
Fell behind in payments due to medical issues. I was told by Greentree Financial ( now Diatech ) that I qualified for a loan modification. I submitted the tools needed for the loan modification and was denied because I did n't have a conventional loan. I was told to pay {$4100.00} by XXXX XXXX, 2015 by XXXX different people. When I called XXXX XXXX to make the payment over the phone, they told me that I had to pay {$11000.00} plus attorney fees because it is in foreclosure.
I contacted them regarding a hospital debt for {$630.00} and another hospital debt for {$1700.00} that was paid by insurance they insist this debt is still owed.
My identity has been compromize, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a plolice report will be filed as is requested by FCRA.
I have reached out to experian and asked to speak to a special handling agent on multiple times. The overseas reps have continues to decline to permit me to speak to someone in america. I have informed them that i had a ftc id theft report and that there were inquiries on my account that needed to be removed. I have reached out to the companies directly and they claim that it has been validated even with the report. the agents of experian have been rude and have swore at me and told me to go to court if i was unhappy with the results as they will not help me at all and hung up on me multiple times.
The problem : I negotiated with XXXX to have my debt cancelled and discharged, and we reached an agreement that they would cancel the debt and issue a XXXX, and I would claim this as income on my tax returns. XXXX verified they canceled the account, but is still reporting this account as late each and every month since 2012 even though the debt was cancelled and discharged, I owe them nothing, they won't accept any money, but yet they continue to report on my credit reports that I am 90+ days late EVERY month. This needs to be fixed. I have attached the proof.
I financed a vehicle with Car finance which was taken over by XXXX XXXX which they repossessed in XX/XX/2017. When they repossessed the vehicle they didn't give me any notice immediately after the repossession or receive notice before the vehicle to be auction or provide me with a statement regarding the sale of the vehicle which I had the right to know. I contacted them several times on this matter an has never received notice on this matter. I see in my credit report where the vehicles is listed with Carfinance in collection for 60-90 days late with an balance of {$16000.00} an also listed in my credit report with XXXX XXXX XXXX  collection charge off with an balance of {$16000.00} I don't think this is fair how they are reporting one car with two different company with two different amount owed. They are using unfair credit reporting action to me. They didn't respect my rights in repossessing the vehicle by informing me of their intention of just selling the vehicle an not giving me the opportunity to get the vehicle back.
I took out a loan with Big Picture Loans on XXXX/XXXX/16, and I did n't realize the full terms, conditions, and most importantly the interest rate! The interest rate on my loan is 830.8277 %! How is it legal to charge me, or anyone this much? There 's no possible way i can fulfill the terms of this loan! I 've made one payment of {$210.00} on the loan already! I filed a compliant with the XXXX, and it did no good! XXXX XXXX Loans is insisting the least they will take is {$810.00}!
I recently pulled my credit report and to my amazement, saw that you recently have decided to report me 30 days late on my XXXX account in XX/XX/2018. I have previous credit reports from both agencies pulled in XX/XX/2018, and neither one of these reports show me late in XX/XX/2018. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I contacted your company and talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my Experian dispute and my XXXX   dispute have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.
Experian refuses to delete this fraudulent account from my credit file from XXXX XXXX XXXX which was unverified and deleted by XXXX
Bank of America has charged off the mortgage, but is not accepting payments. I would like to keep my home and apply for a modification.
Date : XX/XX/XXXX To Whom It May Concern : TransUnion XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. And correct my personal information As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been living here since XX/XX/XXXX Please update my personal number to my credit profile XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX this is an old address ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXXI have also please delete not my address included the following minimum XXXX proofs of my current mailing address Sincerely, Name : XXXX, XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX XXXX COLONY XXXX XXXX XXXX XXXX XXXX XXXX
I was never made aware by Navient when they took over my Direct Loans that I would no longer qualify for the public service loan forgiveness program.
Hello ... ... I have two XXXX credit accounts. One of them previously had a credit limit of {$900.00}. The other I'm not having a problem with.

Last XX/XX/2017, I received a letter from XXXX ( XXXX XXXX  ) that my account credit limit had been lowered to {$100.00}. I was surprised because I had totally forgotten that I had the second XXXX account. I was puzzled as to why the credit limit was lowered so much. I always pay my XXXX balance off. I called the company and it was disclosed that there was a very low balance of {$30.00} ( approximately ) that was past due. I had signed up for online statements and had not received a bill for the {$30.00} ( approximate amount ) balance. Once I found out about the balance I immediately paid it off.

I asked if the account credit limit could be re-instated. I was told that yes, within a couple of weeks it would be. A couple of weeks later I looked to see if XXXX had followed through and they hadn't. I called again and spoke to a supervisor. I was told that I had been given inaccurate information and that XXXX would not be reinstating the {$900.00} credit limit. I was quite upset. It seemed that there wasn't much I could do, so I moved on. Now I see that XXXX has reported that account to the credit bureau and it's a negative mark on my credit report. I have no idea why XXXX is doing this. I've decided to ask again and believe I deserve to have the {$900.00} credit limit reinstated. I didn't do anything wrong!! XXXX messed up by not sending me my bill ; they then lowered my credit limit from {$900.00} to {$100.00} without any warning that there was a small past due balance which was paid off immediately once I found out about it. Now it's a black mark on my credit report? I want this problem corrected by reinstatement of the {$900.00} credit limit.

Sincerely, XXXX XXXX
Well i have both federal and private loan. I graduated college only owning XXXX dollars. I got out of college and did not get a high paying job and had other bills to pay. Well they steered me towards forbearance on federal loans and gave me low income based repayments plan for my private loans, never telling me that the interest alone would raise my principal by double ... I now pay close to 500 dollars a month for federal and private loans and i now owe around 58000 dollars.
Transworld services inc. Contacted me and told me I own {$650.00} to a doctor at the University XXXX XXXX XXXX XXXX XXXX I have not been to nor ever visited this place. I have a pay stub that will prove that I was at work XXXX plus miles away during the alleged visit on XXXX XXXX 2016. The woman that contacted me from this debt collector was rude and threatened to ruin my credit. Transworld services inc. called several times and never left a message when I tried to call the number back no one answered and the voicemail option is always full there is no way to contact these people.
Several weeks ago I opened American Express Serve Free Reloads prepaid account XXXX with card number XXXX XXXX XXXX. Yesterday, Amex suspended my account and has been stonewalling me since. 

I had a balance of {$1600.00} in my XXXX XXXX account and wanted to withdraw it into a bank account - which is a feature of the card. Very quickly afterwards and without any warning, I received email that my account has been suspended because of violations of Member Agreement. 

Calling Amex XXXX Account Protection Services yields nothing. They claim that the decision is final and they ca n't do anything about it. They refuse to explain what happened, what I did wrong ( just point to section XXXX which is very broad and non-descriptive ), and refuse to escalate to a supervisor or say what can be done to cure the account to a good standing. It 's a complete stonewalling. 

Additionally, because the account is suspended and not closed, I ca n't reapply for a new account with Amex XXXX as any old account must be closed. 

I request that Amex XXXX either a ) re-activates my account in good standing ( I 'm willing to work with Amex to clear any misunderstanding ) or b ) closes my existing account and allows me to re-apply for a new account. 

I 'm particularly upset that Amex XXXX did n't give me any warning of account suspension, did n't give me any explanation, or a chance to resolve the issue. 

Sincerely, XXXX XXXX