WillisBack/dataset-financial-user-claim huggingface dataset:
I recently reviewed my credit report and noticed some unauthorized accounts on there. The 2 unauthorized accounts were XXXX XXXX XXXX and Capital One. After contacting both creditors and XXXX with no help form neither, I then immediately contacted my local law enforcement to file an identify theft report against the 2 unauthorized accounts. I then mailed it to XXXX to have it removed and they said that they wo n't.
I have contacted XXXX to process an dispute few times on my behalf about in corrected in -formation reported in my credit report and always get they same result wish is reporting CO from XX/XX/XXXX thru XX/XX/XXXX and also is showing 30,60.90 days late in XX/XX/XXXX all this information is in-corrected. 
I filed bankruptcy chapter XXXX on XX/XX/XXXX
I continue to get calls for loan taken out in my name in XX/XX/XXXX with XXXX XXXX. I called the company and police and reported as identify theft. They left a message on my cell XXXX ext XXXX ref # XXXX today XX/XX/XXXX. 4 months ago I called the loan company they said it was cleared and were going to notify collector to stop harassing myself and family. They are threatening with taking me to court.
I am submitting this complaint about a XXXX card that I had. I paid this bill in full and they reported to the credit reporting company 's that they charged this account off as a bad debt. I have been disputing this information for over a year now. I called them numerous times and they XXXX do not even have a record of my first purchase. My first purchase with them was for approx {$320.00} ... ..I paid that off within 4 months ... .That card was down to a XXXX balance. Months later I receive a statement that I owe for finance charges and late fee 's. I 've disputed it also with all XXXX credit reporting agency 's. It keeps coming back that I owe this debt. I explained they are trying to charge me twice for the same product. I am fustrated as having this incorrect information on my credit reports is affecting my credit score. XXXX is absolutely wrong for trying to collect on a purchase twice.
I had a loan with XXXX XXXX where the loan terms were predatory. 

I did business with a car dealer in XX/XX/XXXX in XXXX NY that was shady to say the least. I purchased a {$15000.00} vehicle and gave {$5000.00} as down payment in XX/XX/XXXX. I had to start a new job the following day and rushed through a process that I would normally take my time on. In XX/XX/XXXX without missing a payment of {$450.00} a month for 5 years my loan was still {$14000.00}. Five years of not missing a payment and the loan went down {$500.00}? The dealer kept my deposit and did not put it towards the price of the car. 

I called XXXX XXXX to negotiate a new loan and they declined to help, saying that they would give me a lower payment but only for 6 months. I refused. After 5 years of paying {$450.00} a month I had already paid {$27000.00} on a car worth less than {$15000.00} and Santander was not willing to negotiate a fair loan. I then asked for a Voluntary surrender of the vehicle and they came and retrieved the car. Later I received a letter from Santander saying they auctioned the car for a few thousand dollars and I was responsible for the rest. I believe Santander sold the vehicle for about {$8000.00}. Therefore Santander collected {$27000.00} worth of payments from me plus {$8000.00} from an auction. Thats {$35000.00} on a car worth less than {$15000.00}. Then sold the debt to a debt collector named XXXX XXXX XXXX on top of the {$35000.00}. 

Then I get a call from XXXX XXXX XXXX. I tell them the story and tell them that I don't intend to pay another dime. This was in XX/XX/XXXX. 

Now in XX/XX/XXXX I need to buy a home for my family of XXXX and XXXX shows a collection on my credit report. I call XXXX and tell them clearly that I want to pay this loan off to have the collection deleted from my credit report. I was very clear when I said I will only consider paying more money towards this car if the collection is removed from my credit report. Over the phone the person understood and knew exactly what I needed. I payed {$2000.00} more to settle the debt. 

I made the payment on XX/XX/XXXX and on XX/XX/XXXX the collection is still showing on my credit report. It does show a XXXX balance but my request before agreeing to pay was to have the collection deleted from my credit report. 

It is obvious that I paid Santander and XXXX enough money as to not be punished with this collection on my credit report. XXXX used deception to collect this money which continues the same trend from the Santander loan of negatively affecting my financial status since I will be paying a higher mortgage because XXXX did not do what they told me they would.
On XX/XX/2018, Conns home appliance called Mr. XXXX XXXX XXXX on his personal cell phone which is XXXX. The debt being collected belongs to XXXX XXXX, his ex wife of 8 years. The initial contract signed with Conns, which I do have a copy of, no where lists Mr. XXXX responsible for this debt. I asked representative how hisnumber was obtained and it seems they XXXX Mr. XXXX name. This exceeds the limits of debt collection. I have no problem with Conns contacting me the debtor or any one listed for contact. They are however will be held legally responsible for calling someone that is totally not obligated.
Experian is currently reporting an account that the company has removed. XXXX and XXXX have stopped reporting the account 2 months ago when the company originally requested. the company is XXXX XXXX XXXX XXXX.
The following inquiries are not mine and I have previously disputed with the credit reporting agency. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have previously disputed the following accounts to ascertain validity and accuracy with ALL 3 Credit Reporting Agencies. These are the accounts that i feel might be reporting on my credit files inaccurate and should be removed for this inaccuracy. 

XXXX  {$6300.00} XXXX {$5800.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX {$39000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$8300.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$36000.00} XXXX XXXX XXXX {$36000.00}
XX/XX/18 credit report ran from XXXX XXXX XXXX in error XX/XX/18 credit report ran from XXXX XXXX XXXX in error i have contacted XXXX XXXX and various credit report agencies, XXXX  and experian and havent received any help. It has lowered my score XXXX points
On XX/XX/XXXX my Kohls charge card was due. Previously around the XXXX of that month I had set up Autopay and it did not go through for whatever reason. I noticed on XX/XX/XXXX and paid the {$27.00}. On XX/XX/XXXX, when trying to make XX/XX/XXXX payment I noticed there was a {$56.00} minimum payment due to late fee. I called Kohls and talked to 2 representatives, and all told me they waived the late fee since I rarely miss a payment and am a preferred customer, however I would still have to make a payment of {$56.00}. The problem, I still have to pay {$56.00} on XX/XX/XXXX even though the late fee was supposedly waived. 
1 ) On XX/XX/XXXX I set up auto pay, even though hesitant from bad experience in XX/XX/XXXX. 
2 ) For whatever reason, autopay never took payment of {$27.00} on the XX/XX/XXXX. 
3 ) I paid on XX/XX/XXXX, 2 days later, a payment of {$27.00} 4 ) I went to make a payment of {$27.00} 's on XX/XX/XXXX and noticed a late fee and min payment of {$56.00} 5 ) I called at XXXX XXXX  on the XX/XX/XXXX. I spoke with 2 KOHLS  representatives. Each representative told me they would waive the late fee, but I still have to make the payment of {$56.00} which is the late fee. I asked if they could waive it, they said they could not. 
5 ) Each representative told me that the late fee goes to my total balance of {$1000.00}, and waiving the late fee takes it to {$940.00} 6 ) They still want to charge me a minimum payment of $ XXXX-this does not seem right to me. 
7 ) When asked to speak to a supervisor, XXXX ( representative ) put me on hold and came back on with the same answer, not allowing me to speak with supervisor. 
8 ) This is not the first time I have had problems with Autopay as  Autopay took a double payment, on XX/XX/XXXX and I had to dispute that with my debit card company ( XXXX ). This occurred when I talked to a representative and they told me they could not do anything. 
9 ) I have one late payment in the whole year of XX/XX/XXXX, and am a  preferred customer at Kohls  10 ) If need documentation, i can provide.
The credit bureau would not properly investigate the public records that are not mine according to the State of South Carolina Department of Treasury and the XXXX County Court Clerk recorder, whom they did not verify any information with. It is against the FCRA to deem any public records as valid without contacting the source. The court stated that they do not verify any information with any of the credit bureaus. 
I sent the investigation in accordance with the Fair Credit Reporting Act, Section 1681i., and they refused to respond and have broken the law once again. All letters have been sent certified as documentation.
On XX/XX/2018, I, XXXX XXXX called Fair Collections and Outsourcing ( FCO ) in an attempt to have a paid collection removed from the XXXX credit report. Operated stated that Fair Collections does not remove such information, I asked to speak with a supervisor. In speaking with the supervisor, the same statement was repeated, that Fair collections and Outsourcing does not or can not remove or update information. I informed FCO that I would be filing a complaint.
'XXXX XXXX XXXX XXXX XXXX company issued my information to a debt collection agency for a debt I do not know about or owe. I have no outstanding business with them and I told them to investigate the transaction to see who was using my information to take things out in my name and they had agreed and told me to ignore the attempt to collect any money from me. 

Now they have sold my information to a debt collector who is harassing me for money that I do not owe. XXXX XXXX XXXX XXXX XXXX, was the name and telephone number I was given to call to find out why they are calling as XXXX XXXX XXXX XXXX claims they no longer have any information for me on file.
Carrington Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Authorization has been faxed in starting XX/XX/XXXX, and also on XX/XX/XXXX, and multiple times on XX/XX/XXXX. 

I spoke to a rep from CMS today and I was told they are running about 30 days behind on processing authorizations, as they do not have the staffing to process their current file load. 

What is is going on?
I have a lease for a vehicle with GM Financial. In late XX/XX/XXXX/early XX/XX/XXXX, they made changes to their website and this caused issues to first, pay my bill on time ( they did provide advanced notice so I accepted that I didn't make the payment early enough for the cutoff and paid the late fee associated ), and second, after they made the website changes, the information on the website reports inconsistently. Each month, various statements reflect different amounts owed. I made a large payment in XX/XX/XXXX, thinking I had cleared up all inconsistencies, however, they continued. In XX/XX/XXXX, I received a statement in the mail that reflected I owed over {$3000.00}, when I log in to the website the front page tells me I owe around {$2000.00}, and then when I go in to make the payment it tells me I owe {$0.00}. I spoke with a representative in XX/XX/XXXX when I made the large payment who told me all was cleared up, and my balance was XXXX, however, the online balance continues to show thousands of dollars. I'm completely confused, and have zero confidence that GM really knows how much I owe them. Plus, I started thinking that maybe it shows I owe a XXXX balance on the payments page because I overpaid back in XX/XX/XXXX. On XX/XX/XXXX, I spoke with operator XXXX   who was quite rude to me, telling me they look forward to my CFPB complaint and I should just accept that the error they have on the website is not a problem and keep making payments. I tried to tell her I'm confused and don't know if I really need to, it was my understanding this issue was resolved months ago, but she just referred me to the contract and told me they look forward to getting my CFPB complaint. So I hung up. My request is that I will pay whatever I owe, but I want confirmation that it's accurate, and I'd like them to waive any late fees I currently owe because this is the result of them inaccurately reporting what I owe vs. me not paying. I have made every payment on this vehicle for over three years and have terrific credit. I appreciate any help you can provide me.
I have Federal and Non-Federal loans being held by American Educational Services. I had affordable payments of {$23.00}. Then, I went into forbearance. Now, my payments are {$100.00}. The bill was dated XX/XX/2017. I just received an email today informing I owed a balance. When I look at the account, it is showing delinquent. I have gone round and round with this company. Both, my husband and I lost our jobs. There is no money to pay this bill. I can make a monthly payment of {$5.00} ( as it states on their site as a suitable minimum ). If they put me in forbearance the only thing that is going to happen is in 6 months to a year, my payments are going to shoot back up to {$100.00} or even more. I do n't have the income to make these payments. And, this company and XXXX have not worked with me to get me on affordable payments, inspite of my attempts to explain my financial situation.
I made a payment from XXXX Bank online bill pay to Wells Fargo Home Mortagage on XXXX/XXXX/XXXX. Wells Fargo returned the payment on or about XXXX/XXXX/XXXX without any notification or knowledge to me. They started reporting my mortgage as past due a rolling over 40 month past due because of this issue. In XXXX I tried to refinance and found issues with my credit report concerning Wells Fargo. At one point Wells Fargo admitted it was their mistake and an internal error where they had applied the payment to escrow however when audit of escrow showed an overage they returned the payment to my bank when in fact it was ALWAYS MEANT to have been applied to MORTGAGE. I have been working tirelessly trying to get this issue resolved and my credit corrected and all interest and penalties charged to me corrected and me made whole again. I have been requested to give Wells Fargo Information regarding the transaction of XXXX Bank concerning this payment. Please find attached information that I received from XXXX Bank. 
From : XXXX XXXX : Tuesday, XXXX XXXX, XXXX XXXX XXXXTo : XXXXSubject : Wells Fargo payment XXXX/XXXX/XXXX PAYMENT EXTRACT MERCHANT REPORT PAGE XXXX WELLS FARGO MERCHANT ID = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Retail Operations XXXX ( XXXX ) XXXX - Office ( XXXX ) XXXX - Cell
My complaint is with PayPal. I was directed to the CFPB by a contact found on the XXXX website, so I am hopeful that this agency can help me. 

I was recently told by PayPal that a payment made to me for an XXXX   auction was being disputed as being unauthorized. This was for an auction which had both ended and the product had been mailed and received by the buyer. This seemed odd as the buyer had provided positive feedback and the USPS tracking number showed that the product ( a set of books ) had been delivered. 

Of particular concern was that the notice from PayPal offered no way for me to provide an information. Neither did their website. There was no apparent way for me to respond to this claim. 

I did contact the buyer through XXXX 's messaging system and they confirmed that they received the product. At first the buyer was unaware of the dispute and felt the email I received might be a scam. However he was later able to determine that through a miscommunication another member of this family was unaware of the purchase and so flagged it as unauthorized. According to him, they contacted PayPal to try and cancel the dispute. 

A month later I received a second email from PayPal which said that they found the dispute to be credible due to " We did not receive proof of shipment ''. Something I could clearly provide with a USPS tracking number. Yet again, I was provided no way to respond to this or offer any supporting evidence for my side of this claim. 

In addition to this I was informed that I was being charged an additional {$20.00} as a " chargeback fee ''. Their email even states that I may not have been expecting this fee. How is it that a fee can be levied without notice -- which their email even calls out. 

I understand that PayPal is not considered a bank which I why I approached the XXXX to start with. I don't know if this falls under the CFPB umbrella either. Yet this company which moves huge sums of money around must fall under someone's jurisdiction. 

All I am looking for is a way to provide information which is relevant to this dispute. A dispute in which both sides agree that a mistake has been made! PayPal does not appear to offer this in any form. 

The PayPal dispute number is XXXX. 
The tracking number for the shipment is XXXX. 
I am attaching a text file which includes the email exchange between myself and the buyer.
Regular calls on my cell phone from XXXX.. 
Net search indicates number is PBCM a full-service national receivable management ( ARM ) company that focuses in 1st party collections ( pre-charge off ), 3rd party collections, and servicing of performing portfolios. 

I do not owe anyone anything. I have filed complaint on do not call list many times. Calls continue ...
I have sent all documents to Experian ( XXXX, letter from XXXX, etc ) on XXXX different occasions. They have failed to correct the balance to XXXX. 
This has been corrected and cleared from my husband 's account due to consumer finance efforts his case number is XXXX. And for this we thank you. Now, your help in this matter is greatly appreciated.
I 'm unable to open either a business and or personal account with Chase Bank and I 'm completely confused as to why. 

I 've had no record of abuse with Chase Bank and I 'm being treated unfairly and would love to be a Chase Bank Customer.
Payment arrangements were made for a XXXX account that was wrongfully sent to collection agency ( Convergent Outsourcing ) for XX/XX/XXXX and XX/XX/XXXX ( see attached bill notice password " XXXX '' ). 

Representative XXXX XXXX took it upon himself to process the payment early without my permission ; withdrawing {$380.00} from my account unauthorized.
I have a re-finance home mortgage through XXXX XXXX XXXX ( henceforth known as XXXX ). It was set-up with an escrow account for home owners insurance as well as property taxes. 

XX/XX/XXXX I received an overdue tax statement from my township stating my winter property taxes were overdue. 

That evening we first contacted XXXX and then promptly followed the instructions in trying to get the delinquent tax notice paid. All information required was provided multiple times via e-mail and fax ( pictures, .pdf, etc ). 

My wife handled the situation until XX/XX/XXXX when I took over because the stress was too much for her to handle with her XXXX struggles. Number of phone calls between XX/XX/XXXX and XX/XX/XXXX is >4 but unknown to me. 

XX/XX/XXXX at XXXX XXXX EST : Spoke with Customer Service Rep and supervisor. Confirmed fax # and information re-requested was received. Feedback was requested by COB. No feedback. 

XX/XX/XXXX at XXXX XXXX EST : Confirmed with local township taxing authority that tax bill was indeed submitted to XXXX. Local tax authority informed me that the issue was handed to the county on XX/XX/XXXX due to the closing of the books. Township also submitted a formal inquiry to try to help me with resolving the issue. 

XX/XX/XXXX at XXXX XXXX EST : Follow-up phone call with a different supervisor. Feedback was issue would be resolved by XX/XX/XXXX after amount due and legal description were clarified by taxing authority. Phone call to be received within 5 business days max ( most likely 3 ). 

XX/XX/XXXX : E-mail from township informing me that inquiry was received by service agent of XXXX. Township clarified reconciliation needed to be complete with county and that it was in settlement. 

XX/XX/XXXX : Phone call received by my wife from customer service rep stating issue was still being worked on. She asked them to contact me as I am the primary phone number and have taken over the issue to see it resolved. 

XX/XX/XXXX at XXXX XXXX EST : Follow-up phone call with customer service rep and supervisor. Internal inquire supposedly submitted again within XXXX. Feedback requested by end of day. 

XX/XX/XXXX at XXXX XXXX EST : No feedback received. Follow-up phone call initiated requesting support of not only super visor but also next level up manager due to lack of resolution thus far. Confirmed last notes on account was from phone call earlier in the day. No action or feedback other than they are working on it. Manager assured next action would be completed by XX/XX/XXXX. 

Based on previous commitments, expectations of resolution are low by the time the county takes next action.
This issue has to do with the excise tax on the loan. There was a balance of {$35.00} for the excise tax which I was unaware of for several months. XXXX has informed me not to pay the excise tax bill until the abatement went through. The balance of the abatement and excise tax bill was {$35.00} and I never received a new bill informing that this {$35.00} balance was due. Instead of calling me or informing me of this balance XXXX quietly reported me delinquent for a {$35.00} dollar balance on the entire lease amount for the loan which caused my credit score to drop. These delinquent payments should be removed from my account.
I sent XXXX debt validation requests to CACH LLC and they have ignored all of my requests. I do not recognize this debt and I need proper validation.
WASHINGTON FEDL SVGS is reporting an a negative mortgage account on credit report of XXXX XXXX of XXXX, WA. Account and property was granted to the ex-spouse at the time to dissolution of marriage and court order was issued releasing XXXX XXXX of any obligation and liability related to the property and this loan. Numerous attempts to Washington Fedl have been ignored and this account is still actively reporting to XXXX damaging credit and causing financial distress to XXXX XXXX.