WillisBack/dataset-financial-user-claim huggingface dataset:
I got the buyer, who purchased an item from my website via Paypal. I 've sent him his purchase and provided with tracking number, item was delivered to him. He opened a claim, stating, that he 's got an empty box. The thing is, that I have the receipt from the USPS that shows, that the package was XXXX XXXX oz, which is obviously not the weight for an empty box. I 'm not sure whether the buyer stole it or somebody on the XXXX custom ( the buyer is from XXXX ), but as a result I 've lost both my item and my money. Because Paypal closed the case in buyers favor ( he gave them a sort of the police report from their local police office ). Except from the obvious evidence ( receipt from USPS ) I would like to add, that I 've been eBay seller for more then five years, I have more then XXXX transaction and also I 've been selling from my web site for around a year and I 've never had problems like this before. And it does n't make sense to me to do that ' as this is my business which brings me money.
I paid my CC bill like always. My statements were begin sent to my junk my. My payment was always {$25.00} so thats what I was paying. I received a credit alert from my credit monitoring service stating I was 30 days late on a payment. I was shocked. I quickly logged on and paid what I needed to pay to get to current status. I never received any notification about my account until the alert. Why would I get notification when I paid the bill? I 've tried contacting them multiple times and they state there is nothing they can do. Which I know is not true. I have been a member since 2008 and have never missed a payment. I also sent them a goodwill letter, again no response. I followed up with a call, again they claim there is nothing they can do. For 1 " so called '' late payment that did not actually occur. They have made XXXX of dollars off me and I have never missed one payment.
I am age XXXX and have been XXXX since XXXX. My parents plus loan collection ( {$250.00} ) has come out of my Social Security check monthly now for eight years. My doctor provided a letter to Stuient aid in XXXX which still has not been accepted. Please help!
On XXXX, I was declared XXXX by XXXX. I did n't have income and I overdraft my checking account. In XXXX XXXX, I begun to work again and I wanted to pay and continue using my checking account but the bank closed it and told me I have a balance for {$1500.00} aprox. I told them I wanted to pay and asked if they could give me a discount, they agreed to discount % XXXX so I paid {$1200.00} aprox and they open another checking account. On XXXX XXXX, I open an account with a credit union offered as benefit from my employer and after gave the member number, online access and pay {$20.00}, they sent me XXXX line email asking for proof that I took care of that balance. I was n't sure what they were talking about, because I have no knowledge of any balance with my bank so I asked them to provide any information so I could verify it. The credit union wont provide the a copy of the information but when I told them I would need some info to find out what was happening they told me that it was reported to chexsystems in XXXX XXXX and with a {$1700.00} aprox balance and that the checking account was closed by them, with a mark of " abuse ''. I asked them what does it mean and they told me I overdraft the checking account. I told the credit union that that info was n't right, that it 's an error and asked them what they want me to do to demonstrate it. The lady, who is the credit union CEO, told me that no matter what I show to her she will not allow my account. Two days later I received a check for {$20.00} and no explanation of expulsion. I have been wrongfully expelled, I talked with the bank and they told me they will updated chexsystems between the last Saturday and the next XXXX and also they will provide a letter specifying I paid on XXXX in full and there is no balance. When I talked by phone with the credit union to apply for membership they treated me normally but when I arrived to the branch they changed completely and ignored me until they saw I stayed there waiting for them to attend me. Then they made all the process impossible, first to get the member number, then the online account, then the verification of the balance with the other bank. I even offered to show the statements so they could see I paid the balance but first the asked for a phone number on the bank, then a letter and when I told them I was expecting it in the next few days the CEO told me she did n't care and I left. I also consider they have discriminated against me because national origin and XXXX.
Daily phone calls beginning in XX/XX/XXXX. 
Mutiple phone calls a day starting in XX/XX/XXXX. 

Receiving phone calls from the following numbers : XXXX XXXX XXXX called 2x XX/XX/XXXX XXXX XXXX called 2x XX/XX/XXXX XXXX XXXX called 2x XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX I eventually had to place 5 numbers on a 90 day block due to the increased frequency of calls each day. One number will also call, and a few hours later I will receive a call from a different number.
I graduated at XXXX XXXX XXXX in XXXX 10 years ago, with the promise to get a job as a chef. After 10 years still hard to find a good job in XXXX to pay my expenses. 
Because of that XXXX XXXX XXXX received a lot of lawsuits and they are closing the doors this year. 
I call XXXX XXXX ( Navient ) to help me in 2016 because I was receiving unemployment and they are very hard to deal with. I offer {$50.00} a month and they said the minimun was {$250.00}. 
I will keep paying the Federal Loan but I will stop to pay Navient. 
After 10 years my principal came down from XXXX to XXXX only! it is pathetic, a trap, this loan never ends!
I am filing this complaint due to several unauthorized inquiries showing on my credit report. At the time I received those credit inquiries on my Equifax credit report there was a fraud alert on my account and anytime someone runs my credit I was to be notified and I was not. therefore my consumer rights were violated. I also contacted Equifax via mail and phone but I was denied to get these items removed from my credit report. That is a violation of FCRA requirements. I contacted each creditor through phone and was told that they could not provide me with any info and through mail I heard nothing back that was well over a month ago. I 've contacted Equifax and stated this, I was constantly told to contact creditor even after I told you all that I have not received a response. I did not give any one of these creditors permissible purpose to pull my credit and as I stated before a fraud alert was on my acct. I should have been alerted and that was not in full compliance with the FCRA. I do not do business with neither one of the companies that accessed my credit report. I would like Equifax to furnish proof from each creditor stating that permission was in fact given I would like proof with in 30 days. If you all can not furnish proof with in 30 days I would like for u to comply with the FCRA and remove each inquiry from my credit report.
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The list of unauthorized credit inquiries consist of :   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX    Inq uiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX   XXXX  Inquiry from XX/XX/XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX    Inquiry from XX/XX/XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from XX/XX/XXXX   XXXX  Inquiry from  XX/XX/XXXX    XXXX   XXXX    Inquiry from  XX/XX/XXXX    XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX
Fay Servicing added {$7100.00} to my mortgage balance on XX/XX/XXXX. " Misapplication reversal ''. I was not aware of this previously because Fay refused to send me any statements, balances or communication of any kind. I only got this following breakdown after the sale of my house and a separate complaint to CFPB on XX/XX/XXXX.
Keep getting calls from Windham Professionals to collect a debt from XXXX XXXX. We have called the number XXXX as the message states to indicate we are no the party to discontinue the calls but they ignore the pleas.
I was contacted by a man named XXXX XXXX claiming he is from XXXX XXXX XXXX. He claimed that I gave fraudulent check information or inaccurate checking account information to pay a debt. He said the debt was from Target Cash Now. I then received another message from an XXXX XXXX from XXXX claiming to from XXXX XXXX XXXX. She said I was going to be served at my place of work and the documents needed to me signed by me and my manager. She gave me a different number to call than XXXX XXXX. I called that number and the first time it went to voicemail claiming to be XXXX. I then called it back again and was able to speak to another person that sounded like XXXX XXXX the first man I spoke to. He said he couldn't give me any information and had to transfer me to a different department. He also wouldn't tell me what XXXX stood for he said it was the company name. The man that answered when he transferred me asked if I was recording the call and I said yes. He then said he couldn't give me any other information and hung up on me. 

I called Target Cash Now and spoke to someone in their collections department and he said the only company they use for third party collection was XXXX XXXX. 

These people need to be stopped!!!
I completed a loan modification a few years ago and i still paid the minimum payment on my account. The company reported that i was late on my credit report
Signed up for Wells Fargo XXXX XXXX XXXX because was told would get {$200.00} back if I charged {$1000.00} in 3 months. This was over 3 months ago and I charged more than {$1000.00}.
I have disputed several accounts on my credit report with Equifax several times. I first disputed with the original creditor XXXX and after 3 letters did not receive any correspondence with proof. I sent copies of the letters and certified mail receipts to the credit bureau but they continue to verify these debts without copies of any proof with my signature. A statement of dispute was also never put on my credit report. The bureaus only continue to update the accounts associated with these creditors.
I spoke with two different company representatives from Convergent Outsourcing Inc. regarding account number XXXX who have confirmed that the social security number on file with account number XXXX does not match my social security number. I have explained to this company that this account does not belong to me. Convergent Outsourcing Inc. has refused to remove this file, and has since sent a debt collection letter. Convergent Outsourcing Inc. continues to negatively report on my credit file, knowing that this account does not belong to me.
When accounts are reported as being sent or sold off to a debt collector, they are considered to be in " collections. '' This usually occurs when a creditor is having difficulty collecting payments on a debt. A collections account will typically stay on your report for about seven and a half years from the date it first became late. 

According to this statement " seven and a half years from the Date it FIRST BECAME late. Applies to me in this case
Ive faxed and mailed several letters to Equifax, XXXX and XXXX stating that accounts was opened in my name when I was still a minor which I never authorized. I provided proof of date of birth along with my social security number. My year of my date of birth is incorrect along with some addresses that I never lived. These are some of the accounts XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX is my cousin which Ive tried many times to remove. 
The addresses that I dont recongnize is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I was approved XXXX XXXX for a loan modification by Impac, the investor of my loan and XXXX XXXX XXXX is the servicer of the loan. I got a step rate and it was going to increase to 3 % in XXXX XXXX. Therefore, prior 3 months prior to that date, I contacted Impac once again to ask that they extend my modification and keep me at 2 % interest rate for another 3 years. On XXXX XXXX, XXXX, I was approved for another modification, in writing, which was accepted and executed by me. At the time of the approval on XXXX XXXX, XXXX, XXXX XXXX informed me that I should continue making my normal payments at the 2 % interest rate. XXXX further informed me that XXXX XXXX XXXX would take up to 8 weeks to send me the final modification documents. After 8 weeks, I called XXXX XXXX XXXX and they confirmed with me verbally over the phone that my rate was at 2 % but when I would ask about the final modification documents, they acted as if they didnt know what I was talking about. I sent the modification to XXXX XXXX XXXX 3 times and they still claimed they did not receive it. They even received it from Impac and XXXX XXXX XXXX is continuing to refuse to honor the modification. XXXX XXXX XXXX is playing games with me I am so tired I have been dealing with this for months. Why is XXXX XXXX XXXX not honoring the modification that the owner of the loan granted me and that I accepted. Now, because XXXX XXXX XXXX is refusing to honor this modification, I am considered delinquent because they now changed the terms of my loan to the 3 % when in fact pursuant to the terms of the modification agreement I accepted XXXX XXXX, my rate of 2 % is extended until XXXX XXXX. Please I pray that you help me with getting XXXX XXXX XXXX to honor the loan modification that was offered to me, XXXX You.
Describe what happened so we can understand the issue ... 
For the last couple of years I have worked diligently to repair my credit. I have had many challenges to say the least. I have paid off more accounts than negative credit. Accounts I have disputed have been removed from my account. I am employed and have been for 20 years at the same employer and have worked a XXXX job for more than 6 months changing my debt to income ratio. In this time my credit score has remained extremely poor. Based on the below chart my score should have changed for the positive long ago thus increasing my score. There are also several questionable inquiries on my credit report which concern me. 
Payment history ( 35 % ) The first thing any lender wants to know is whether you 've paid past credit accounts on time. ... 
Amounts owed ( 30 % ) Having credit accounts and owing money on them does not necessarily mean you are a high-risk borrower with a low FICO ( R ) Score. ... 
Length of credit history ( 15 % ) ... 
Credit mix in use ( 10 % ) My attempted in verifying my score with each bureau via phone went nowhere. They will not answer questions about your score and direct consumers to go on line and pay to view the score. Even after I stated I wanted a copy of my report because I was turned down for credit and I was still directed to go on line. I was told by customer service that I could not dispute my score. Where is the customer service? There are times it is not convenient to go on line especially when a consumer has questions. 
Consent to publish the description of what happened? Consent provided
My account #  XXXX  at Bank  of America was c harged a NSF fee on   XXXX     for {$35.00} and I came to know about it via an email later that day, which really should have been sent much sooner than   XXXX   XXXX   that day. Luckily, I retrieved it out of the  SPAM fold er as I have also been receiving quite a bit of fake/fraud emails to click on links for bank accounts. However, the perplexing thing about this is that I when I found about the account balance being less, I called the bank to confirm that if I deposit additional funds today, this fee would not be accessed or go through. I was told that this fee is temporary as long as the funds are deposited the same day before   XXXX   XXXX  , you will NOT be charged this fee. It will not appear the next day.   I did what the bank employee told me and deposited the additional funds to cover the balance, yet I was still charged this fee. So I 'm just baffled as to why I was mis-informed and advised to take an action yet still deal with the consequences. I am not sure what to make of this and feel mis-informed/led when I have my accounts linked and have a Bank credit card as to why I 'm getting charged this fee. The policy is confusing to understand and each banker has their own interpretation about what fees are charged.
Consumer disputed Inaccurate information on credit profile with Credit bureaus & they haven't corrected the item in question. On XX/XX/XXXX I received notification that public record accounts were reporting in my name on my credit report. I've disputed this error with them and have since contacted this credit bureau numerous times via mail, phone, & online disputes and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well. I've sent certified letters U.S.P.S Postage mail to this Reporting Agency over the course of 6 month. Ive disputed these same items & the company has yet to provide a response within the 30 days allowed, provide any Validation of Record which I requested nor correct this costly error on my behalf which is affecting my opportunities to obtain credit. It even doesn't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I've written the US Northern district Courthouse & their response ( which  I can provide ) is that they do not report any activity with credit bureaus or third party companies. This letter was officially sealed and notarized by an agent representative of the Courthouse. So my concern is that if they aren't reporting any information how is that being retrieved This public record is only reporting on my Lexis Nexis report and not any other bureaus. I have suppressed my public file with them ( see attachment ) as well as placed a security freeze on my profile as well. Yet they've yet to correct this incorrect information.
In  XXXX , Beneficial added more debt- They just added {$360.00} to my balance, it said lender advanced??   and they added {$34.00} for home insurance ( for no-home ) and {$49.00} for taxes- ( that I pay every year? ) and upped my payment {$130.00} a month.   They wont let me pay it down, every month it goes up.   I paid it down to {$9000.00}, but this month it is {$10000.00}, these guys are crooks.   They continually up my payment and add more debt. EVERY month!   THERE IS NO HOME TO INSURE ON THIS PROPERTY!   Since I made a complaint to CFPB they are getting worse punishing me for complaining.
I payed the debt with the agreement it would be removed from my credit report in 2013, but to date have been unsuccessful in getting them to remove it. Each time I call, they just tell me they ca n't remove it and they never agreed to that. Creditor is Alpine Credit in XXXX, CO. Phone is XXXX and address is XXXX XXXX XXXX, XXXX, CO XXXX
Hello, I have contacted companies on my credit report that you ( XXXX equifax, XXXX ) has said to say the debt was validated. Well within one day of filling a complaint with XXXX XXXX its ironic they closed the account. Per FCRA you as credit reporting agencies should really investigate and make sure when they send you these automatic validations claiming that they are in deed a consumes debt that in deed they are valid, Like for instance a contract, drivers license and a signature. Its frustrating because me as the consumer has been through XXXX and back with XXXX just to say, they have said they validated everything when in fact have not. I have sent the same disput letter as I have to XXXX and equifax when they investigated they removed and corrected debts not owed by me. XXXX  you did nothing but send me a credit report and said from findings in previous months its the same meaning you didnt even try the second time to investigate!!!! I wrote a complaint on consumer finance.gov where you stated again that you investigated and these alleged debts were mines. Well here is proof you didnt. Please delete XXXX XXXX from my file as there are many more to come your way XXXX Thanks equifax and XXXX for doing your job and please delete XXXX XXXX from your files as well. 

XXXX XXXX XXXX
I booked a hotel room at  XXXX   XXXX  for  XXXX / XXXX / 2017 . I canceled the room and got cancellation letters with a cancellation number. I was charged {$150.00}. I am still being charged after the cancellation. My credit card compan y, Wyndham Rewards Visa, opened a dispute case and closed it, stating that I stayed at the hotel. They ar e denying to take the charge off of my account. Their statement is n't true and I have provided them the prove that their statement is n't true.
We have a leased XXXX from toyota financial services, they reported us 30 days late negative credit reporting. Our lease contract was expiring, we called and had it extended. This change screwed up their billing cycle as proof we have print outs from toyota website showing no billing statements were ever created for XX/XX/XXXX and XX/XX/2016. We even made double payments when finally thier system accepted our payments. basically their system was not accepting our payments because of the lease extension changed billing cycle/system. we wrote letters to toyota to correct the reporting but they are saying not their fault. No one is even available to speak with in their credit reporting department, i am the co signer, i had perfect credit in the XXXX, always made payments on time. 
attatchments are letter to toyota and printscreen of toyota website showing no statements generated for XX/XX/XXXX and XX/XX/2016
I am currently enrolled in a XXXX program and unable to pay my student loans, I have called Navient everyday for a week and most days 3 times. I have verified that my school has submitted my name to the XXXX XXXX XXXX and Navient is unable to find my information there to confirm that I am enrolled full time. I called today and pleaded with the representative at Navient to look in the system or transfer me to a supervisor that may be better equipped to assist me. Instead I was spoken to in a rude condescending manner. I had to apologize to the representative for bothering her. I do understand that Navient is trying to do all they can to get a payment for their loans. 
I do not think it is fair for these loan companies to belittle their customers by screaming at them or ridiculing the distressing financial situations of their customers. This behavior is similar to " bill collecting '' and not assisting customers. 
My school official has submitted my enrollment to XXXX XXXX every 3 months since I started my graduate program in XX/XX/XXXX. The Navient representatives are claiming that the last record of my full time enrollment in the National Clearinghouse records is XX/XX/XXXX. This information is grossly inaccurate as I am currently registered in a 3 year full time XXXX and received my loan disbursement a month and a half ago.
I am a victim of identity theft. Several inquiries are showing on my credit report that were not authorized by me. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the companies listed above obtained my credit report due to fraud. I have contacted each company and all companies have agreed to request the removal of the inquiry from my credit report. As of XXXX/XXXX/XXXX these inquiries are still showing on XXXX or more of my credit reports. I have attached a PDF of the letters I have received from the creditors above showing they have requested the removal of the inquires. I have also attached a copy of my photo ID for verification purposes.