WillisBack/dataset-financial-user-claim huggingface dataset:
I 've sold an item on XXXX and funds were sent to paypaI. I 've tried withdrawing my funds and my account was restricted. I called paypal and they stated they will not release my money until 180 days. My case ID # XXXX. Email address : XXXX I have {$290.00} in my paypal account.They were suppose to release funds after tracking and proof of delivery. I have provided them with all and they still holding my funds till 180 days
Company sold debt to another party party contacted me and I paid XXXX $ explained I need another arrangement because I lost job and did n't have funds was also in school. I later got a call from a private investigator via an unknown number purposely blocked trying to drop off documents where I do not live and found out it was a different company handling it now. This company does n't have proper identification online. Threatened me if I did n't pay and harassed me I dropped call spoke with ace cash themselves told them they can not send me to a third party because I just got harassed and I am going to report them. So I worked something out with ace cash. But the third company I ca n't even find their info and the XXXX $ that I paid never got to ace cash account.
My American Express show late payment I called the company and they said they do n't report. Late payment not unless it 's 30 days but to begin with I was never late. They told me I was never late.
I returned from XXXX in XX/XX/XXXX and in an attempt to get an apartment I learned about credit cards that had been opened in my name. I was a volunteer missionary from XX/XX/XXXX until XX/XX/XXXX, and then returned in XX/XX/XXXX through XX/XX/XXXX to XXXX XXXX and literacy at rural elementary schools. According the credit reports I have managed to obtain, all accounts were opened and used while I was in XXXX. 
I filed a letter with each credit reporting agency and with the credit card companies. Several companies immediately resolved the issue and closed the accounts - XXXX have been removed from my credit report and I believe the remaining accounts will come off soon, as they said they would be. I received a response from XXXX that they had no record of the account and then refused to continue any investigation ; additional letters only resulted in their sending me a package with all statements from the fraudulent account. The disputes came back from each CRA with no changes. 
Becoming XXXX as an adult and not able to use XXXX services ( or XXXX ), it is very difficult to communicate with the credit card companies myself. I send everything through letters or fax. 
There are a lot of errors on my account, including names, addresses, phone numbers, inquiries, and credit accounts.
Amex advertised a special increased bonus points offer for their expensive Platinum card with a required XXXX $ minimum spend within three months. After I received the bonus, I had to refund an airline fare. The reason for the airfare refund was my finding a lower fare for my vacation. The lower fare by the way was also charged on Amex card, just not the Platinum card. The bonus points were awarded right after a month into account being open. However, almost four months after account was open, I received a mail letter that my points were deducted. They pointed to their terms and conditions clause about fraud, essentially accusing me of fraud for refunding my airfare. Although the airfare refund happened two months after account was open, they waited to deduct the points well past the three-month qualifying minimum spend period for the point bonus. After I got no luck with my complaint with the company, I closed my cards with them. I also looked at the XXXX XXXX XXXX and noted that they said NOTHING about not being awarded point on returned purchases. Perhaps that is why they needed to accuse me of fraud.
USAA Federal Savings Bank, and USAA XXXX XXXX XXXX have frozen my investment account, Roth IRA, checking account, and savings account. There is no legal judgment against me, and USAA has not explained their actions. 

I receive my XXXX XXXX check electronically deposited into my savings account, which they have frozen.
I would like to file a complaint on a collection agency, that is listed on my credit reports as R. S. Clark. This company is trying to collect two debts in the amounts of {$310.00} ( reported opened XXXX/XXXX/XXXX ) and {$92.00} ( reported opened XXXX/XXXX/XXXX ). I have made several attempts via fax for this company to please provide proof that this debt belongs to me. They have failed at providing the proof and have only submitted correspondence stating that they require more time to submit the requested information. The last correspondence that was received was XXXX of XXXX advising that they needed more time. As of date I have not received any other correspondence from this company nor have they requested for the credit agencies to remove the said debts. I have also disputed these allocations with the collection agencies as well and have been told numerous times that the collection agency filled out a form that was sent to them stating that the debt was mine. When I asked the credit agencies if the company supplied any proof to them to validate that the debt was mine, I was told that they do not have to submit any proof, that they just fill out a form and that is sent to them when there is a dispute. I also looked up on the Texas Secretary of State website to see if this agency is even bonded to collect in the state of Texas and found that they are not bonded to collect in the state of Texas. Their bond cancelled on XXXX/XXXX/XXXX. Can you please assist me with this issue? I have tried and done everything that I could to get this issue resolved.
A inappropriate fee was charged to my account, along with an associated inappropriate interest charge. The credit card company has not responded to, or acknowledged, my dispute of these charges.
The credit bureau is reporting that I owe {$410.00} for an account under the name "  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ''. My report shows that it was opened in  XXXX   XXXX  with an account number of "  XXXX  ''. I have never had any business dealings with this company and do not understand why this is being reported to my credit. I have never received any bills or letters in the mail explaining that I owe this debt or even why I owe it. This is not my account and I do not have a delinquent debt with this company. I have disputed this with the credit bureau numerous tim es ( si nce  XXXX   XXXX   ) o nly to receive bogus responses saying that the account has been verified? I 've done research of my own and I even called this company using the phone number provided in the credit bureau response letters. The representatives I have spoken to can not find an account that matches my personal information. Clearly something is not right. I need this to be addressed immediately. It should not take this long to conduct a proper investigation and confirm that this account is not mine.
I reached out to Navie nt 2 weeks ago wi th the CFPB recommended payment letter explaining how I want my payments allocated.  <P/> I sent another email 2 days ago requesting confirmation that the letter was received.  Navient responded saying that they received my letter but I would need to send one with every payment.   <P/> I called navient on  XXXX  stating that my instructions were for all payments going forward. I also explained that their website does NOT state that a letter needs to be sent with each payment. Their instructions only state that you can reach them by writing a letter.
I have received two calls for a debt that doesn't belong to me but to my sibling. the first call was received at XXXX XXXX and resulted in a long message which i have saved. 1 minute 48 seconds. I believe the length was an attempt to state they had a discussion with my sibling, who lives on the opposite side of the country.

This caller identified herself as working for XXXX XXXX. 

They stated that they were calling this line to speak with said other party, which this has never been a number to reach them on and left a message as speaking to that party. 

The second call left a message 1minute 7 seconds, nearly identical message though a different caller.

Advising that some action would be taken if not contacted. Again this message is saved.

I have not received a call during either my waking hours or, during a non business working time to be able to answer my cell phone. I have read through the steps to handle this for future and passed the information on to my sibling.
LoanCare in XXXX  XXXX, a loan company and collection agency, bought the paper for my mortgage. I became one month late when I tried to change companies after a problem with them demanding I pay taxes. I am a XXXX XXXX XXXX veteran and do not pay taxes. I paid the delinquent month last summer. However, the money was not applied to my mortgage and the only answer I could get from them was that it went to fees. 

Now, seven months later and with a poor credit rating, I was finally told that last summer my monthly payment was increased by {$37.00} which I was never told. And, LoanCare does not accept partial payments. So, they put my mortgage payment into a Suspense Acct and began using it to pay late fees. I was never told it was a partial payment. I would have happily sent them the additional {$37.00}. 

I believe this is a deceptive business practice from a loan and collection company to collect additional monies. Now, my credit rating is too poor to change to an ethical mortgage company. Also, although I am now current, LoanCare is telling me I owe more than {$300.00} for escrow. When I spoke with a representative last XX/XX/XXXX, he said I was {$130.00} short in escrow. So, I sent them the {$130.00}. I am in great hopes you will investigate this company and take the appropriate action to deny them the ability to purchase mortgages from XXXX veterans on fixed incomes. Thank you. 
XXXX XXXX
My Experian Credit Report has halted all credit reporting activity from my creditors. My last active report was done on  XXXX   XXXX  ,2017. All o ther Exper ian Credit Reports have been ok. All of the sudden my whole credit history is gone and Experian is not reporting or the credit ors are not reporting to them since that date. I would like to know what happen.     My first action was to contact Experian, however the only simple resolution was to call all my creditors to report to them, but that will be a taunting task to do all myself. I have uploaded my most recent Experian Credit Report belo w. Two repres entatives tried to assist me but only came with  XXXX  recent closed  XXXX   XXXX  card since  2017   . They  XXXX  soft credit pulls. They do have a service called Experian  Credit Works and  also there regular consumer Experian website.     In addition I will also include the most current credit report that has nothing of my credit report information, just my personal information.     On a side note :  XXXX  and   XXXX   are reporting accurately
On Thursday, XXXX XXXX at approximately XXXX a XXXX XXXX XXXX received a second phone call from Navient XXXX XXXX. The first inquiry the person asked was if he knew a XXXX XXXX but did not identify themselves. After XXXX XXXX requested who it was the identified themselves as Navient. At this time, XXXX XXXX asked how they found his number and they eluded they used a software to find his number and noticed they may be related to XXXX XXXX. 

This is the second time they have contacted ( third party ) XXXX XXXX XXXX for a debt in regards to XXXX XXXX.
I have been current on my 1st mortgage for years. However, my 2nd mortgage, which was initially included in a bankruptcy in XXXX, resurfaced demanding payment. I questioned the lender to no resolve. Eventually it was charged-off and sold to a debt collection agency. They tacked on additional fee 's almost doubling the original {$12000.00} debt. Again, questions and back & forth but no resolve, so the new higher amount was charged-off and sold once again. This new debt grew again, and I questioned and disagreed, so once again it was charged-off and sold yet again. But little did I know, it was also listed as a " Short-sale - with multiple late 's '' on the XXXX Originator database, then charged-off and sold. Finally after this last sale, the debt had reached almost 3 times the original amount. I was finally able to negotiate and the debt to have it settled for less than the original amount paying the final agreed upon amount officially closing out the debt. Now, I discover, that XXXX of the debtors, listed the debt as a " Short-sale Mortgage '' in XXXX XXXX ; only after I had made an offer on a property and in Escrow. This never showed up on any of my credit reports. ( This was extremely disheartening to XXXX, after months of house hunting ). My Realtor informed me that I would have to wait " 2 years '' to be able to purchase a property, and I had to withdraw my offer and cancel the escrow. This feels like unfair practice and deceptive bargaining. I am only requesting that this " Short-sale with multiple late 's! '' be removed from my Escrow investigation XXXX XXXX XXXX XXXX or any other Escrow tool now, rather than me wait for 2 years being penalized for this method of doing business.
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX, GA XXXX XXXX, Texas XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX Late Dates : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX {$500.00} REV {$0.00} {$0.00} {$0.00} XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX {$490.00} REV {$0.00} {$0.00} {$0.00} XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX {$400.00} REV {$0.00} {$0.00} {$0.00} XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
This company is One Main Financial located at XXXX XXXX XXXX XXXX, XXXX, KY XXXX. We are working on a debt consolidation with XXXX XXXX XXXX and we have sent a cease contact with us. But they continue to call myself and my husband at our phone numbers at ( XXXX ) XXXX and XXXX. I get about two calls per day and my husband gets two calls per day. They leave messages on my voice mail and will not quit. I would like this to stop and work with XXXX XXXX. I lost my job two years ago and am under employed and ca n't continue to make the payments so, we went to XXXX XXXX to help us resolve our debt. Attached are documents that we have sent to stop the calls. Regards, XXXX XXXX
My Equifax credit report presents with ( XXXX ) addresses that are not mine : XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX. I have repeatedly requested that these addresses be removed and they have not been removed as of yet. In addition, Equifax reports the following information that does not belong to me : 1- XXXX, XXXX/XXXX/XXXX, {$410.00} 2- XXXX, XXXX/XXXX/XXXX, {$320.00} ( reported twice ) 3- UnknownXXXX, XXXX/XXXX/XXXX, {$400.00} 4- UnknownXXXX, XXXX/XXXX/XXXX, {$940.00} 5- XXXX Mortgage, XXXX/XXXX/XXXX, {$18000.00} 6- XXXX XXXX, XXXX/XXXX/XXXX, {$1700.00} 7- XXXX, XXXX/XXXX/XXXX, {$89000.00} 8- XXXX, XXXX/XXXX/XXXX, {$5100.00} 9- XXXX XXXX, XXXX/XXXX/XXXX, {$4000.00} 10- XXXX XXXX, XXXX/XXXX/XXXX, {$21000.00} 11- XXXX BankXXXX XXXX XXXX/XXXX/XXXX, {$300.00} 12- XXXX Vacation XXXX XXXX XXXX/XXXX/XXXX, {$13000.00} 13- XXXX Bank XXXX XXXX XXXX/XXXX/XXXX, {$420.00} 14- XXXX, XXXX/XXXX/XXXX, {$180.00} 15- XXXX XXXX, XXXX/XXXX/XXXX, {$3700.00} 16- XXXX XXXX, XXXX/XXXX/XXXX XXXX {$360.00} 17XXXX XXXX, XXXX/XXXX/XXXX XXXX {$4900.00} Please remove these items
I never received no letter no bill saying that this is my account. I dont know why its showing up on XXXX and on three credit reports. Its not my account.
I had been a merchant on XXXX  for over 5 years and with Paypal had somehow been scammed by XXXX XXXX XXXX Scammer who defrauded my Paypal account To Negative Balance for Thousands and Thousands of Dollars. Paypal has no resolution closed my account and stole my money and now I am Out of my merchant account and they can not help me??? I think not Right for them to let Foreign Oversea Con Artist Scammer Hackers use Paypal to Defraud me of Thousands and Paypal will now try to say I owe them the money that this XXXX has stolen from Fraud that PAYPAL FACILITATED. So I want my Balance Restored to How it was Not negative. Thanks
There is XXXX dollars taken from my checking account and when I called the bank in same day they said the money take it from the Bank of America ATM that 's what they said. and I 'm strongly confirm that money not taken by me and I 'm always checking my bank account every day in the morning the sum taken from my account without my agreed. 
They open the claim since XXXX XXXX 2017 and I did n't receive any clear explanation how my money take it from my account. 
I 'm always keep my depite card in my Walat and safe place all the time, I also helped the bank and give them the information they need and they just keep me waiting. 
Every time you call the bank they did n't give me clear answer and the said it 's prossing and investigating. 
I work very hard to help my family I have XXXX kids I 'm very sad and not satisfied with this service, I want my money back My claim number with them is XXXX
The bank approved a very obvious fraudulent personal loan for {$35000.00}. They did not verify the address. The address they have on file is a fake address.
I have never been behind with this company as soon as I went behind they non stop call me. I have received at least 10 calls a day. On X/X/18 I received 8 calls. After the first 3 calls I called them back and advised them they keep calling me over and over and this is against the law. They said I am sorry and then called again 5 minutes later.
Certificate of Deposit purchased from XXXX National City Bank- XXXX, six month certificate, amount {$10000.00}. Recently discovered among other bonds and certificates. I have the original, signed by the bank, and have never redeemed it. PNC purchased National City, to include all holdings, in XXXX. They are refusing to redeem my certificate of deposit because their " records only go back 7 years ''. I informed them I could produce tax records with statements, no XXXX 's or records of them paying at time of acquisition. They stated, " does n't make any difference, going by our 7 year rule, I will not receive my money/redemption ''. HELP.
We were charged for a recurring service by Experian that we never signed up for. Our account numbers are XXXX and XXXX. They refunded us for one month but two months of charges remain ( {$19.00} x XXXX people x XXXX months ) = approximately {$80.00} total
Have a citi bank master card credit car. I had a balance on the card of {$170.00}. On XX/XX/XXXX, I paid the balance. I had a late fee on the card because I had moved. On the phone they agreed to waive the late fee. On the phone I asked to pay my balance which ( after they waived the late fee ) came down to {$140.00}. Recently I have been receiving late charges because the Citi bank customer service represented did not waive the late fee. I made sure that I did not have a balance on the card before getting off the phone. As of today, they are saying I owe over {$120.00} in late fees. After talking with numerous representatives they are now saying that the XXXX did not waive the fee in XX/XX/XXXX and as a result additional late fees were added on the account form XX/XX/XXXX. They offered to take off XXXX of the late fees off and {$10.00} since the erroneous accrual from XX/XX/XXXX but have said their system will not let them take off any other late fees. They have acknowledged they failed to take off the late fee and their systems inability to correct my account but they are demanding that I pay what is left on the card. I should not have to pay- 1. I paid off the balance of the card ; 2. have not used the card, 3. they admitted they failed to take off the late fee in XX/XX/XXXX ; 4. admitted they could not correct the issue because its a system issue.
There is car reporting on my credit that was a repo in XX/XX/XXXX. I reported back then that I did not authorize the buying of the car but nothing was ever done. I waited until XX/XX/XXXX seven years after the reported repo and ask that it be taken off but they want even allow me to investigate it claiming an investigation was done already. Will not give me the option to ask for another a car has been on credit for 9 years
I was supposed to send money to this person and it did n't send the correct amount. I sent {$20.00}
2 unauthorized credit inquires on XXXX credit report.

My information was compromised from XXXX data hack.
Received a loan on XXXX/XXXX/15 from XXXX XXXX XXXX XXXX XXXX XXXX of {$150.00}. They want a total of {$850.00}. XXXX repayment. That is 780 % interest. I am unable to make the payments due to XXXX other advances I have. 

Recieved a loan on XXXX/XXXX/15 From XXXX XXXX XXXX XXXX XXXX of {$350.00}. I have paid them {$970.00} so far and owe a balance of {$420.00}. 

Received a loan from 500 Fast Cash XXXX XXXX XXXX of {$500.00}. I have paid them {$550.00} so far and owe a balance of {$250.00}. That 's 377.59 % interest. 

I was desperate at the time. I had now other way to pay rent. I am on XXXX and can not afford to pay them what they are asking. I tried to work out a different payment plan with them and they refuse to help me.
Baview Loan Servicing XXXX I was NEVER LATE on this account. On my credit report, they are reporting late payments from XX/XX/XXXX througXX/XX/XXXX which is completely inaccurate. I HAVE ALWAYS MADE MY PAYMENTS ON TIME. Every time I call them they tell me that there are NO late payments but somehow they seem to still be reporting on my credit file and preventing me from getting the credit I deserve. I have also attached proof of payments made on time. I need for Bayview to correct this MEGA error immediately!!