WillisBack/dataset-financial-user-claim huggingface dataset:
This is a three-part issue, consisting of XXXX different entities. XXXX LA, XXXX XXXX XXXX and Transunion are reporting long-standing debts that are not mine and constantly renewing the debt so it will not elapse. The totals are for : XXXX LOUISIANA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Last Reported XXXX XXXX, XXXX Creditor Name XXXX LA Account XXXX XXXX XXXX Account Status Closed - Derogatory Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Total {$130.00}. 
Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX Type Utility Company Account Status Closed - Derogatory Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Total {$120.00} I have provided evidence to them that 1 ) the information they have is incorrect 2 ) that I have not ever lived in XXXX XXXX or XXXX 3 ) Have provided multiple copies of police reports, sworn affidavits from my employer where I was located ( in XXXX ) and they have refused to remove this information. I was the victim of Identity theft and provided multiple legal standards and to this day, they refuse to remove or work with me. This is direct violation of the FCRA and I want it removed. They additionally refuse to provide proof of any kind that I solicited service. Look at the dates, I cant not be at 2 places at once, canceling service days BEFORE I get service. 

Transunion refuses to vet the information and takes the creditor side of issues and WILL NOT accept any information regarding this matter.
Hello Dear CFPB I am writing to ask please assist me to reopen my paypal account which is registered under : XXXXXXXXXXXX. I opened account with paypal with all terms and conditions. One day i got email verify my identity and explaining what transaction i was doing. I said i listed used items on XXXX and sold it there, since i do not accept cash buyer wanted to pay me with credit card and i had no chose to offer him pay by paypal. I accepted money and as all normal people disburs to myself in my checking account. After couple days i got this message. 



You ca n't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 


Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 
Reference ID : XXXX I have done nothing wrong and i feel its unfair to close my account for only reason i accepted payment. Please assist me to reopen and have paypal account because they are largest in the market and if i do not have it i can not even sell anything in XXXX they are monopoly in XXXX i have no choice. I think its not ok to not give option to your clients. Thank you very much.
Pentagon Federal Credit Union / Pentagon XXXX is attempting to collect a debt that was included in a bankruptcy, paid in full per the plan and discharged ( Case XXXX ). After many months of disputing this tactic with Pentagon Federal Credit Union with the credit reporting bureaus, CFPB, and the US Department of Justice, Executive Office of the US Trustees was Pentagon Federal Credit Union 's attempts to collect discharged debt was halted and incorrect credit history corrected. 

However, Pentagon Federal Credit Union is now re-attempting to collect the discharged debt by labeling the account as having a past due balance and being a charge-off. XXXX still reports this account as such on my credit file. XXXX and XXXX have corrected the account to show included in a chapter XXXX bankruptcy and with a {$0.00} balance. 

Attached is the Chapter XXXX Discharge notice that has been sent to Pentagon Federal Credit Union multiple times ; and how XXXX is incorrectly recording the account per Pentagon Federal Credit Union and its attempt to collect the debt.
On Wednesday, XX/XX/XXXX I called Chas, my XXXX XXXX Visa Credit Card provider, and asked how to make a claim under their purchase protection benefit. On XX/XX/XXXX, I purchased three high school textbooks for my XXXX year old daughter because she transferred to a new school. All three books were damaged when a water bottle in her backpack broke. The Chase representative assured me the textbooks would be covered and instructed me to file a claim at XXXX. I immediately went to the website and filed the claim, including uploading all of the requested paperwork which included a copy of my credit card statement, copies of the three receipts and photographic evidence of the damage. The website even had " books '' as one of the catagories I could list as the type of item they cover and that I could make a claim on. After following up repeatedly on my claim since the insurance provider failed to " review my information and contact me within 5 business days to outline the next steps of the process, '' as outlined in an email I received acknowledging my claim submission, I called to complain. The representative said claims are not looked at by an examiner " for eight to ten days '' and then it would take " two days to actually review the claim. '' I responded that this information was contradictory to the information provided in writing in the email XXXX sent to me, and she said that she is not an adjuster and that is how it works. I then asked to speak with an adjuster and she agreed to connect me to one. I was then put on hold and when she returned, she said my file had " just been updated while I was on hold and that the claim was being denied because textbooks have finite lives and are undergo revision after courses end. '' I explained that my daughter 's course had not ended and that I was told specifically by Chase that my textbook purchases would be covered and was again told they were refusing my claim. '' By the time the call ended I received an email stating that my claim status had been updated and was being denied. I find this completely outrageous and borderline fraudulent.
I went to the Suntrust Bank in several locations where I was being followed by XXXX Men and Women discussing my bank account and making false allegations about my personal life. I have a block on my debit card on which I do not know why. Can you help me? I am being harassed about issues that I am having with the XXXX. They are trying to make it look like I have major problems with causing XXXX XXXX to make allegations about me and my mental fitness. I need access to my bank account.
Experian will not allow me to use their online services to temporary lift my security freeze. I wrote them, but they did not respond. Experian is forcing me to send my personal information threw the mail risking the theft of mu social security number, security freeze password and my date of birth. They do not provide a means to talk to a real person and they do not respond to written requests and questions.
XXXX, transunion, and XXXX has not sent my credit report ftc violation trying to fix the inaccurate information on credit report
I have received my credit card statement and my due date fell on the weekend. One was XXXX/XXXX/XXXX and the other was XXXX/XXXX/XXXX. In each case my payment was made on the first business day following the weekend. I was charged a late fee by Wells Fargo Financial. My understanding was that if the due date fell on a non business day, the payment will be due the next business day. Is this correct?
On Friday XX/XX/XXXXan electronic wire transfer was fraudulently made from my XXXX bank account. When I went to the bank the same day the fraud was committed XXXX 's wire department contacted the receiving bank. Bank of America. I was told at that time the funds were frozen and would not be released. On XX/XX/XXXX I was notified by XXXX that Bank of America responded to them on XX/XX/XXXX that they were not able to recover the funds and therefor they could not be returned. If the funds were frozen the same day as the fraudulent act then why were they not able to recover the funds.
I am attaching the investigation request that my husband and I sent in to the credit bureaus onXX/XX/XXXX. They are supposed to respond with 30 days. Although my husband has received all of his responses on time, I have not yet received anything.
CRA violation. I have no knowledge of the fraudulent accounts on my Transunion credit report. FTC report no. is XXXX.
Back in early 2017, XXXX stated that I was three [ 3 ] months behind. This is incorrect as my account was in deferment. I made several inquires and can never get through. I am in the process of possible employment, which they look at a persons credit for gainful employment. I need this negative remark removed as it is incorrect.
We had our credit cards stolen and reported the charges as fraudulent. One of the charges did not get taken off. We have called numerous times to fix the issue. The investigation department confirmed the fraud but we still have a negative rating that is affecting our credit score.
I am a XXXX member ( XXXX ) therefore I make lots of purchases on a weekly basis, I tried in the past to open credit cards ( Chase ) on the XXXX website and every time Chase Bank deny every application so far, yesterday I did a test and worked!! I tried to open a credit card with chase on the XXXX site and the application was denied. 

Went to a different card holder company and application was approved on the spot, both applications were done on the XXXX website, first one with Chase was denied and second one with a different banking institution was approved. 

I have a Chase checking, savings and mortgage account at the moment, used to have another mortgage which was transferred to XXXX, bottom line if I have a history or pattern of been financially responsible why every time I submit an application Chase bank always deny process. 

Few months ago I submitted a discrimination complaint against Chase, They send few letters from their headquarters, in those letters They asked me to get in touch with them to follow up, I tried to get in touch with them, most of the cases nobody was available or They will always try to defend themselves saying They were no doing anything wrong. 

They also keep sending letters saying that They are doing everything correct and therefore I have no right to complain.
I requested that Equifax,  XXXX ,  XXXX  remove a judgment  XXXX  on my credit report, whereby this judgment has since been paid and it was vacated in Ma ryland ( c ourthouse ). However, as of  XXXX , this judgment still remains on my credit report. I made a second request to Equifax,  XXXX ,  XXXX  on  XXXX , requesting that the credit reporting agencies remove this item.
Call stating the are " independent courier '' that are sending a uniformed officer to my house today. Call me and my family all the time. They never send anyone but they threaten all the time
My Fiance and I moved out of a bedbug infested apartment complex in XX/XX/2016. The landlord attempted to keep our {$200.00} security deposit, and charge an additional {$310.00}, because the carpet was left in poor condition. We have actively been disputing this, citing Michigan guidelines for dealing with bedbugs in multi-unit housing which clearly indicate the carpet should be replaced in most cases, and requires a special bedbug vacuum in order to prevent spreading infestation to new places. We feel this is a totally unreasonable expectation for a landlord to place on their tenants. 

In addition to this, my fiance 's name has been misspelled in every piece of communication we have received from both XXXX ( the apartment complex ) and All State Credit Bureau ( The debt collection agency ). We realized this when we received an updated list of damages with a security deposit refund check that was refunded " under dispute. '' However my fiance 's name was misspelled on both the updated list and the check. When we pointed this out to XXXX, XXXX, a XXXX representative, responded by saying this, " I have attached a copy of the security deposit refund form with the clerical errors corrected. 

... 

Your account will be turned over to All State Credit Bureau for further collections on XX/XX/XXXX. They will be in contact with you after that point. '' So we recieved a new list of damages, with her name still spelled incorrectly, but differently this time, but no mention of a new check being issued. This seemed extremely suspicious to us, so we have not attempted to deposit the check and for all intents and purposes our security deposit is still being held. 

The reason for our complaint is this. We received a letter from All State Credit Bureau in mid-XX/XX/XXXX saying that we had 30 days to dispute the debt. We responded within 30 days on XX/XX/XXXX via certified mail which we were able to verify was signed for and delivered to their agency. As of today, XX/XX/XXXX, we have not retrieved any form of debt verification from All State Credit Bureau. Yet on XX/XX/XXXX we received an email attempting to collect the debt that has supposedly been transferred to All State Credit Bureau. As outlined in our dispute letter, we are not sure why so many entities are still attempting to collect this debt, or who has a rightful claim to it. If, as XXXX said, the debt has been transferred to All State Credit Bureau, we must assume that the collection attempt we received was approved by their firm.
I wanted to get tax info on my auto loan and it was not available on the website so I called the number on my bill and the website from my loan ( CapitalOne-XXXX ). When I called I was subjected to ads and offers from XXXX companies ( XXXX, XXXX, etc ) then was told that the number had been changed to XXXX XXXX. This was another ad for XXXX with no end to the loop. I just got out of the hospital and need to get this my answers quickly as I have no stamina. Can you please check into this and see that they correct the phone number or change it so people can get " Customer Service '' from a representative?
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lots of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, they informed me of my options in handling my situation.
I am receiving aggressive collections notices from Purdue, Brandon, Fielder, Collins, and Mott, LLP XXXX, TX XXXX. This company claims to be representing a XXXXXXXX XXXX XXXX XXXX In XXXX XXXX for a debt that I owe. I do not owe this debt and I have to them and called them to explain that any fine must be fraudulent. I have never lived in that county or town. I have received letters from them for years claiming that I owe a traffic fine, but when I disputed that they claimed that it is hot checks. I am tired of there harassment. Their office has threatened repeatedly to have me arrested. I have never received one notice from the county 's government offices about what I owe, but still this law office claims that I owe something that I could not possibly owe.
To Date there have been no response for my request for an audit with FedLoan Servicing. Your form clearly states to mark " STILL EMPLOYED '' box, which indicates XXXX XXXX, XXXX XXXX, XXXX ( date signed ) that I am still employed with the XXXX FL XXXX. No Public Service Loan Forgiveness ( PSLF ) credits were issued XXXX XXXX, XXXX - XXXX XXXX, XXXX ( date document signed ). Clearly that is more than the XXXX Credits FedLoan reports. 
2. FedLoan is falsely reporting I was in forbearance for times when payments were made. I would not make payments during forbearance ( i.e. that is what forbearance requests is for ... inability to make payments ). 
3. FedLoan Servicing intentionally mislead me by offering to consolidate my other XXXX loans into Direct Loans so that the Public Service Loan Forgiveness payments for those loans will apply since they will also be converted under a Direct Loan. Then, FedLoan Servicing enrolled me on " graduated payments '' fully knowing this plan will not make any payment eligible for the Public Service Loan Forgiveness program. 
4. Not explaining the information unless asked directly leaves the consumer to " have to '' be able to ask the right questions - which we obviously do n't know, in order to receive assistance - this is misleading and deceptive. 
5. I learned today that a 2.5 % reduction in interest rate is also available to me by paying via direct debit ( my payments are ACH 'd every month via WebPay at XXXX XXXX XXXX XXXX ). This was neither offered nor advised upon several of my phone calls and faxed correspondence with FedLoan Servicing.
Upon being denied from a lender for " too many inquires '' from   XXXX   report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my  XXXX  credit report that I DID NOT authorize and had no knowledge of. I contacted   XXXX   immediately and was given no relief. I alsp have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.    1.    XXXX   XXXX    XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX   XXXX    XXXX    XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX    XXXX    XXXX / XXXX / XXXX  /i am currently waiting for the other  XXXX  credit bureaus to respond to my request.
I started receiving threatening phone calls stating that I owe {$1300.00} from a credit card in my former name. This went back to 2011 apparently. I asked if they could send me information regarding this said credit card as well as signature information and with the original that was with. They told me They did not have that information that they were just a mediator. I told him I was not going to be paying anything without some sort of validation on their end. I then went on to look at my credit report and son nothing of this said credit card of HSBC. They said they didnt put it on my credit report because it would hurt me from a good credit report. I played along with them to see how far it would go and then they wanted to settle for {$610.00}. Unless I have solid information regarding said that from original collection I will not be paying anything they need to leave me alone and stop harassing me. The company was legal one mediation from Georgia
I have been traveling with my job since XX/XX/XXXX. Last week, I received noticed from my credit card monitoring program that my card has been closed. I never recieved any notifications before this point. I have been a card member since XX/XX/2013, with this company and I never paid late or went over my credit limit. Back in XX/XX/XXXX I lost my job and was searching for work for several months. I loss my job do to technology replacing people. During this time I to use my credit cards to make it through this transition. Never paid any thing late. Now my balances are pretty high on some cards which I will be paying them all off here in the next month. I have sold my house. My problem is I am going to get a new mortgage. Now I have to explain this to my lender for my new mortgage plus this also lowered my credit score. Just a single mother trying to make it in this unfair world we live in. Funny how the middle class keeps getting penalize for something that isnt their fault. These huge financial institutions shouldnt be able to do this to us. I mean I had no advance notice this is was going to happen. Plus, I just received my new card from XXXX XXXX XXXX through the mail. Never received the letter they are telling me about.
On XX/XX/XXXX, Exeter Finance Corp acted in a predatory manner when financing my vehicle. My credit score was under XXXX, I was late on my current vehicle. I had a bankruptcy discharged just a few years prior, and I am female. Exeter gladly financed in the negative equity of the vehicle I was currently late on, $ XXXX.The apr was 18.95 % and total amount financed was $ XXXX. On a vehicle whose purchase price, less manufacturer rebate of {$3500.00}, and cash down of {$2000.00} should have been XXXX was financed through Exeter with negative equity and all for {$25000.00}. My payment was {$580.00} per month. <P/>If this was n't bad enough, a year later I became too sick to work and lost my income. I was unable to make the payments. I was called continuously by Exeter 's collections department even though I informed Exeter that I was on XXXX and told them I had little to no income and did n't know when I might have income again. I asked them to come pick up the car on many of these calls. A few months later in XX/XX/XXXX orXX/XX/XXXX they finally sent a company to repossess the vehicle. It was XXXX XXXX. in the morning. I relinquished the car voluntarily. They sold the car at auction XX/XX/XXXX for {$12000.00}, leaving the balance surplus of {$14000.00}. However, they have continued to add interest daily and my report shows I owe over $ 20k and they have repeatedly reported my delinquency incorrectly since. When I tried to contact Exeter I learned that the phone number they listed on the credit report was a dead end. <P/>I am permanently XXXX and have suffered enough from their damaging tactics in reporting my delinquency to the credit bureaus. I did not plan on getting sick, and I have suffered enough.
I have purchased my {$400.00} bitcoin from coinbase wchich I suppose to receive by XXXX XXXX 2017 but transaction is still showinng pending and have not received aything yet. I send tons of messages to them but they did n't reply and also created many support ticket but nothing happened. Can you please help.
Debt has been paid, and original creditor has no recollection of ever using FBCS. 

The debt is for an emergency room visit on XX/XX/XXXX. The emergency room has confirmed today, XX/XX/XXXX, that the debt was paid by my insurance company in XX/XX/XXXX. 

The debt of {$1300.00} was apparently sold to XXXX in XX/XX/XXXX. They have been calling me repeatedly since then. One such phone call, on XX/XX/XXXX at XXXX XXXX, was with a woman who rudely told me that this will continue to haunt my debt and angrily hung up on me.