WillisBack/dataset-financial-user-claim huggingface dataset:
I had an outstanding medical bill to XXXX ( XXXX ) which I paid. I am continuously receiving harassing phone calls during work hours and after work hours from TransWorld Systems ( XXXX ) a debt collection agency hired by XXXX. Transworld is also constantly sending me mail as well and now they are adding on interest fees. I have explained to TransWorld on several occasions that this has been paid and have given them the date it was paid. I also told them it was paid through the XXXX website as well and that I had a confirmation number for the payment. They continue to contact me. Today I called XXXX, I first spoke with XXXX who told me that there was no balance on my account, this I know, so I explained to her what has been happening and she said I needed to speak with XXXX and transferred me to her. I explained to XXXX what has been going on and that I have told TransWorld several times that this bill has been paid in full yet they continue to harass me. XXXX hung up on me, apparently this was her professional solution.
I was caught up in a scam that has affected many people other than just me. Below is my detailed account of being victimized. 

I am a US Military Veteran who have been on a job search for the past 6 months including placing my resume on many job boards such as XXXX and XXXX. I was approached via email by a hoax company named XXXX XXXX XXXX explaining how they saw my resume on-line and that I was a great fit for a work at home opportunity with contractual work involving other partnering hospitals. Once I seemed interested they began telling me about pay and health care benefits and the initial step I had to take in order to start my position. Next, I was sent a {$3200.00} through XXXX and was told to spend {$1500.00} on software and equipment needed and money was to be sent via XXXX to XXXX. When I deposited the check I assumed my bank would identify immediately that it was a false check, but the bank accepted the check thus causing us to be assured as well. Flags began to raise in my mind after transaction at XXXX and my looked up the company in detail and noticed that they were a fraud company running a scam. I immediately lost heart because the check was a fraud and I was back at being unemployed and bank account impacted by the situation. 

Help is needed on my family behalf who is suffering due to a fault that I was unaware of. Look forward to your response and immediate help due to now being highly impacted by Hurricane Harvey.
I 'm trying to refinance a home loan. When I originally spoke with the loan company, we discussed a rate that would provide me with a credit big enough to incur no closing costs. Now, the lender is telling me that I may need to bring at least {$5500.00} to closing, and I have a higher interest rate than we originally discussed. I feel that this is a bait and switch on their part. Also, on XXXX/XXXX/16 they told me that I could close on either XXXX/XXXX/16 or XXXX/XXXX/16, and are, as of today, now telling me that I ca n't close then, and telling me that they did n't schedule closing with my Title Company, so it is n't their fault that I may incur costs to reschedule, including taking time off work so that I can sign the papers. Now I ca n't get them to tell me how much money I will need to bring to closing. I feel that they are ripping me off, and know that I ca n't do much about it since I 've already spent money on an appraisal.
Tax Liens that were satisfied in a Chapter XXXX several years ago keep appearing as derogatory information on my Credit Bureau Reports. The IRS ruled that I was not responsible for tax debt incurred by my ex- wife, XXXX XXXX ( XX/XX/1970, ) and awarded me INNOCENT SPOUSE Status as a result of their investigation. Please remove these last remnants of my ex- wife 's malfeasance from my Credit Bureau reports. Thank you.
I pulled my credit report and noticed that XXXX and Equifax were reporting a derogatory mark on my credit from XXXX XXXX XXXX. I sent a letter to XXXX and Equifax via certified mail ; disputing the validity of them posting this on my credit report and asked for verification that the debt was owed and that it was mine, as well as proving that I owed the debt from my wet signature and that all documentation be verified with my social security number, date of birth, address and phone number. XXXX wrote back saying they are unable to verify the information and that the information would be removed. It was removed from my XXXX report within 30days. Equifax simply responded by saying that the account was verified and that the amount was updated but the account would remain on my Equifax report. Per the FCRA, this is illegal reporting and is not considered verification of indebtedness by Federal or State statutes. We have been given specific instructions by our legal counsel, to file a complaint and send Equifax another Validation Letter before proceeding with a lawsuit. They have not been diligent in complying with the FCRA, Federal or State statutes and we seek to have the account removed immediately and an updated copy of the Equifax report mailed to my address.
I tried to freeze my Experian Credit Report using the online form. I received a message stating I would have to send by USPS mail my information which included everything needed to steal my identity so I so not want to do this. When I called the customer service number I was asked my SSN which I do not want to give out over the phone. I repeatedly tried to get a human to talk with but then they disconnected my call. I have tried this several times. 

Is this legal? I should be able to talk with someone without giving out my SSN.
XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' both appear on my [ XXXX ] credit report multiple times in varying amounts, as well as once in aggregate. On my credit report, they 're being treated as separate accounts as well as one combined account. I 'd like the additional line items deleted or identified as duplicates.
I opened a dispute with XXXX for XXXXXXXX XXXX who is reporting a {$70.00} debt since XXXX, and now they are stating on my report it will not come off until XXXX..the account has been charged off..XXXX XXXX keeps changing debt date to keep it on my credit, that is the only way they could hold this debt until XXXX..
I have repeatedly tried to apply for student loan consolidation, but am repeatedly denied due to an incorrect report from Experian that I have a foreclosure or other negative account.   I have already issued a complaint with them and they claimed to " resolve the issue '', but when I tried to apply for consolidation again, I was again denied due to the same problem. Experian has showed disdain for their willingness to correct their mistake and as a result it is negatively impacting my ability to lower my loan interest.
XXXX XXXX XXXX On XX/XX/XXXX I received an alert on my phone informing me my BBVA Compass checking account was overdrawn. As I have never been overdrawn I immediately contacted my bank at approx XXXX XXXX. I was informed that 3 transactions had occurred, two at the same location, a XXXX 's XXXX for {$140.00} and {$140.00}. A third debit was a transaction at a XXXX XXXX for {$74.00}. I have had the card in my possession the entire time and I have alerts set up on my phone when the second my card is ran, I get a text message for the amount and location of the transaction. I never received such alerts for these 3 debits. 
The banking rep informed me it could take 10 business days before my provisional credits were placed on the account and there was absolutely nothing they could do. After missing 3 days of work due to no money for the train or day care, I called in and asked to speak with a supervisor which took another 48 hrs to get a call back from. The supervisor informed me that he could contact the investigators and request an early release of the provisional credits. Not only did the first rep not offer to do this, the supervisor said this should have been done immediately as a courtesy. Now here we are 14 days later, and not only have I not received a call from the investigator, I have not received my provisional credits and customer service said its not completed as of XXXX today. This has cost me well into the thousands of dollars in lost wages. Although {$370.00} is not a lot of money to most people, for me, in the middle of pay cycles, that amount of money pays for my day care for the kids, food and train fare for me to get to work. This has most likely cost me my housing and I am now on probation at work for the time I missed.
XXXX XXXX - XX/XX/2018, {$400.00} PAID IN FULL, yet credit report shows " Account charged off {$400.00} written off ''. 

XXXX XXXX - XX/XX/2018, {$350.00} PAID IN FULL. Credit report shows " Account charged off, {$500.00} written off '', which is completely false! The account was paid and {$500.00} was not the balance and was NOT written off! 

XXXX/XXXX - XX/XX/2018, {$450.00} PAID IN FULL. Credit report shows " Paid, Closed, {$450.00} written off '' Med-1 Solutions - XX/XX/2018, {$160.00} PAID IN FULL. Credit report shows " Collection account. {$160.00} past due ''
Hello, I made a payment with XXXX XXXX on XX/XX/2018 for {$570.00}. I order 30 shirts with XXXX XXXX that I didn't received and no response from owner or company about my order or my requested refund after XX/XX/2018. I filed a dispute charge with my bank ( Navy Federal ) XX/XX/2018 and called weekly to check the status of my dispute charge and was told in the month of XXXX to only fax or send over a screen shot of the final payment of this order. I sent a screen shot of my final paid order from XXXX XXXX to Navy Federal ( emessages ) on XX/XX/2018 and wrote in the comments " Paid proof attachments for my dispute charge that is in place for XXXX XXXX. I can apply emails if needed as well. '' After sending this message I received a confirmation number XX/XX/2018. I continued to follow up with Navy Federal and was always told I may receive a provisional credit and to wait patiently because the process may take up to 90 days. Navy Federal stated to me that a provisional credit was listed on my bank statement XX/XX/2018 but to wait till the provisional credit says permanent. However, so I continued to do my weekly follow ups to check the status of the dispute charge in the top and mid part month of XXXX and was still being told its under investigation. On XX/XX/2018 I noticed my checking account falls into a negative balance of {$490.00}. I immediately call Navy Federal customer service and the call Rep states that they mailed out a letter requesting further information on this dispute charge but not all time is the letter going to say " Navy Federal, sometimes it may be a blank envelop. I explained to the Rep that I call on this dispute charge weekly and when I sent in my proof on XX/XX/2018 I listed in the comments that I can send in additional documents if needed but was told to wait patiently because my investigator had what he or she needed at the time. The Rep further states to me to re-send my screen shot and any other documents before the case is close. On XX/XX/2018 I sent over proof of the final payment I made with XXXX XXXX and all thread emails between XXXX XXXX and I. On XX/XX/2018 an unauthorized charge/transfer comes from my savings into my checking account of {$450.00}. Once again I called Navy Federal to find out why are funds coming out of my savings when I sent over proof that was asked from me and was told that it would be reverse. The call Rep this particularly day didn't have any answer for me because she told me that my investigator was not in at the moment and to wait patiently till my investigator review the case and follow back up with me. On XX/XX/2018 I set up a unauthorized charge/transfer as well for {$450.00} through Navy Federal ( emessages ) with additional documents and received an confirmation number the following day. 

- Dispute Charge : XX/XX/2018 for {$570.00} - Unauthorized Charge/Transfer : XX/XX/2018 for {$450.00}
Credit Management Ltd has filed negative information with XXXX three times in the past three months for the same debt with XXXX XXXX. First, the name on the debt is not the same as anyone who lives here. While it is similar to my wife 's name, it is not the same name. Second, we have never been customers of XXXX XXXX. We do not live in a XXXX XXXX area. None of the false addresses registered with XXXX are the same as ours. We have lived at our current address for 32 years and do not have another address. We have never received a monthly bill from XXXX XXXX. We have never used XXXX XXXX service. This debt is not ours. We will not pay it. XXXX keeps going from one debt collection agency to another trying to collect on a debt we do not owe. While XXXX is the victim of someone else 's fraud, that does not make us responsible for the debt. We do not owe the debt. We will not pay the debt. Credit Management must cease and desist their repetitive claims to XXXX on a monthly basis for a debt we do not owe. They 're playing a game to extort money. They file the claim each month, we dispute it each month. XXXX removes the claim each month. Credit Management needs to stop wasting XXXX 's time and stop harrassing us. There is no XXXX XXXX at our address. Never has been. They need to locate the real person who ran up the debt and approach them for payment and leave us alone. 

This claim has already been disputed and Credit Management removed the claim and the false name before. They must do the same again and cease and desist from all further claims in this matter.
dates from XX/XX/XXXX TO XX/XX/XXXX XXXX AND TRANSUNION CREDIT BUREAU OVER THESE MONTHS I HAVE DISPUTED FOR ACCURACY AND VERIFICATION AND VALIDATION OF PUBLIC RECORDS, NEGATIVE ACCOUNTS AND INQURIES THAT WAS UNAUTHORIZED. NOT ONLY DID I DISPUTE THESE ITEMS BUT I REQUESTED FOR THE METHOD OF INVESTIGATION AND I REQUESTED FOR CERTAIN ACCOUNTS TO BE CHECK FOR ACCURACY AND IF THEY WAS, TO PLEASE UPDATED THEM IN MY CREDIT REPORT AND TO EXPLAIN HOW THEY WERE VERIFIED. OVER 3 SEPERATE DISPUTES I REQUESTED THE SAME REQUEST AND THEY NEVER DID. WHICH IS A VIOLATION OF THE FCRA.. THEREFORE THE ARE OVER THE 30 DAYS DISPUTE ON EVERY DISPUTE I FILE.
I ALSO FILE DISPUTE FOR INQURIES AND THEY NEVER DISPUTED THEM. WHICH IS A VIOLATION OF THE FCRA.. THEY ARE ALSO OVER THE 30 DAYS.
XXXX HAVES DISPUTES THAT I SENT THEM, THAT THEY NEVER DISPUTED AND THEY ARE NOT FRIVOUS DISPUTES I AM REQUSTING THAT THEY DELETE AL THE NEGATIVE ITEMS THAT DISPUTE FOR NOT VERIFYING THEM WITHIN THE 30 DAYS, OR I WILL FILE COURT INJUNCTIONS AND CIVIL SUITS AND MORE COMPLAINTS. ALSO COMPLAINTS ITH THE ATTORNEY GENERAL.
THESE ARE THE ACCOUNTS THAT MUST BE DELTED. THEY ARE ALSO INVOLVE IN FRAUD 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 1. TX BANKRUPTCY XX/XX/XXXX 2. TX BANKRUPTCY XX/XX/XXXX3. MO BANKRUPTCY XX/XX/XXXXINQUIRIES ARE THE INQURIES THAT I DISPUTED.
I ALSO REQUESTED A FREEZE ON THESE CREDIT REPORTS AND SOMEONE IS STILL GETTING INQUIRIES FROM MY CREDIT REPORT AND THEY JUST DONT CARE. THESE COMPLAINTS THAT I AM FILING IS VERY TIME COSUMING BUT IF THEY CONTINUE TO WASTE MY TIME, THEN THEY WILL PAY WITH LAW SUITS
On Friday, XX/XX/2016 I noticed a charge on my Chase Freedom account that I did not authorized. I called the Chase Freedom number and I informed the representative that a fraudulent charge was on my account. He indicated that he would send me a new card and that he would report the charge and remove it. 

I saw that the charge posted and that it was included on my XX/XX/XXXX statement. Moreover, there was a foreign transaction fee that resulted from the fraudulent charge. When I noticed this, I called around midnight of XX/XX/XXXX and asked why the charge was not removed. The representative indicated that I would need to call back tomorrow to dispute the charge. I asked to speak to a supervisor and asked why this was not handled when I first called in on Friday, XX/XX/XXXX. He was unable to answer this. 

After speaking with several representatives and supervisors on XX/XX/XXXX for a total of 35 minutes calling the Freedom line, I was left waiting on hold for a supervisor in your security department. I hung up and called the Chase Sapphire direct line and was able to speak to a supervisor in your security department ( even though the fraud was on the Freedom card and not the Chase Sapphire card ). After being on the phone for 20 additional minutes, I was able to find out that this was suppose to be removed from my account within 24-48 and it was not. I am suppose to get a return call from your recovery team to find out more details. 

As a longtime chase customer, I would like to know why chase did not handle the fraud charge appropriately the first time. As a holder of the Sapphire Reserve card and Freedom card, I expect the very best in fraud protection and Chase failed in this case. Please also let me know what recompense you are willing to offer for the unnecessary time and energy this incident has caused me due to Chase 's error.
; Man deny that this is my debt and if it is my debt, who is the Man claiming I owe this debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my Knowledge and I have no contractual agreement with with JPMorgan Case Credit Card
On  XXXX   XXXX ,  First Tennessee Bank ( FTB ) unexpectedly closed my Companion Card which had in excess of a {$1000.00} balance. Since closing, the funds have remained in the hands of FTB despite numerous calls and escalations to try and get the funds back to me. It has now been over 65 days and they are holding every penny hostage.   This is unacceptable and the telephone support channels have done nothing.
Chase Bank has routinely delayed posting an online payment on my account to then charge me not XXXX but XXXX or XXXX additional overdraft fee charges. this regularly happens over the weekend, so I am careful, but then the charges do n't clear on Monday BAM I am hit with XXXX to XXXX additional XXXX dollar over draft charges. 

This is crazy. I am trying to save so that I do n't have to endure these charges, but this does n't fix their practices.
I moved in XXXX of XXXX to Florida. In XXXX of XXXX, I closed my checking account with Citizens Bank. I then received a note date XXXX XXXX, XXXX, that said I owed an additional amount of {$300.00}. I asked why and they told me that they processed bills to my account. I asked for a statement of those payments, and was denied. I was then told I owed additional money on top of that statement and that I now owed them {$330.00}. Which I then paid to close the account. I then received a call and was told that I owed them {$1100.00} in XXXX of XXXX. Which I sent a check to the address that they gave me. I was called twice after that and told I still owed that amount. Next I received a mail from them stating that I owe {$80.00} for late payments. I complained and they stated they would waive the fees since I had paid the earlier amounts. However, they have called my home 3 times since then and today I heard from my elderly father that they called him about it. This is unbelieveable.
We have been trying to refinance a XXXX loan with the Servicer SETERUS for over one year. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. They finally sent the refinance after one and one half years at almost 6 Percent. However, they continue to change the monthly payments, are es crowing Money for taxes that do not have to be paid, and Overcharging for forced placed Insurance when we had in place insurance ( Military XXXX Vet, he is except form Taxes. XXXX has spent hours with XXXX at XXXX and she has been helpful, but is limited on her assistance. 

Thank you XXXX XXXX POA for my brother XXXX XXXX XXXXXXXXXXXX XXXX or XXXX XXXX
I ordered a credit report from Experian on XXXX XXXX. The report number is XXXX. 

On my credit report XXXX shows a status : " Refinanced, closed/Never late. Balloon payment of {$57000.00} due XX/XX/XXXX. '' I called and spoke to " XXXX in XXXX XXXX '' ( that 's all the identification he would give me ) who told me that I should n't worry about this. It will just drop off my report XX/XX/XXXX. He agreed that since my status states " closed/never late '' there could n't be a balloon payment due. So I told him that the law requires Experian to remove any incorrect data from my credit report and that 's what I want them to do. He kept reading me my report - the statement above - and would n't agree to have the false information removed. 

I am asking that the CFPB require Experian to comply with the law and clean up my credit report. 

Thank you.
Dear Credit Reporting Agency, I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. " This Is Not a Dispute '' Public Records-Judgements XXXX XXXX XXXX ( I never served with the appropriate paperwork informing me of these negative events reflecting on my CRA file. Please accurately report this information or delete from file. ) XXXX. Identification Number # XXXX Claim Amount {$0.00} I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g Section 609- Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed. Please communicate your intentions in writing. Regards, XXXX XXXX XXXX
I am a seller on XXXX. I use Paypal as there is no other real choice for sellers on XXXX, Paypal is where the financial transactions from XXXX  sales are done. My XXXX sales are my primary source of income, so when the funds are made available in my Paypal account I transfer the money to my checking account. 

on XX/XX/2018 Paypal placed limitations on my account. The requested! : 1 : Photo ID - Which I submitted 2 : Provide proof of fulfillment - I submitted screenshots of XXXX listing with Shipping tracking # & confirmation of delivery of the order 3 : Provide purchase receipt from your supplier - I submitted an invoice for items I purchased ** This request struck me as intrusive, and bizarre. Why would Paypal be monitoring who my supplier is? Wouldn't XXXX if anyone be asking that? Also, as a seller on XXXX, not all items are supplied. Some are household items, or stuff we want to get rid of ... how could I possibly provide an invoice for that stuff? 

It's 4 days later and the case is still being reviewed. I'm unable to fulfill recently completed auctions, or ship those items as I purchase shipping via XXXX, which debits my Paypal account. 
I have a 100 % Positive feedback score on XXXX. ZERO negative. I've worked very hard to build my reputation. This situation with Paypal is jeopardizing my XXXX seller reputation, my buyer reputation ( I have an item I'm unable to complete the purchase of because again, MY funds are not available to me ) I have a postive account balance. No disputes. No issues from buyers. 
NO PROBLEMS WITH ANYTHING! I spoke with XXXX and they verified my account was in excellent shape, no issues. 

Since the account limitation was placed I have been forced to Cancel orders that I am unable to fulfill costing me nearly {$100.00} in lost sales. 

I am unable to withdrawl my own money, yet Paypal had still collected it's fee for every transaction! If Paypal collects it's fee, the order sent, and received by the buyer, why can paypal prevent me from accessing my own money??? It's unbelievable! It is hurting my ability to make a living, and its preventing me from fulfilling my sales, and obligations. 

Please help me. Calling Paypal takes 2 hours of hold time nly to be told I have to wait. This is hurting people!