WillisBack/dataset-financial-user-claim huggingface dataset:
PayPal Credit problems : My dispute lies in a purchase made on Ebay on XXXX XXXX, XXXX for {$43.00}. 
This was paid on XXXX XXXX, using my XXXX XXXX card, and I have this confirmed from both Ebay ( ref number XXXX ) and my XXXX XXXX statement. 
However PayPal Credit claims that on XXXX XXXX, they paid a bill for {$42.00} and then did not send any form of statement until XXXX XXXX at which point multiple billing cycles had passed and interest and late charges were applied. 
I checked with the vendor and he never received two payments, ONLY my credit card payment. 
Since I had no idea there was any involvement with PayPal credit until XX/XX/XXXX, I began at that point trying to call and clear the matter up. Finally on XXXX XXXX, XXXX ; I paid {$46.00}, NOT because it was a legitimate charge, but simply to end the matter. Their representative told me my account was now cleared and closed. At no time ( during over 3 hours on the phone with PayPal Credit ) did they assign me a dispute number or make any attempt to clarify ther billing error. However, after my last call I was assured that my payment of {$46.00} ( which was paid only to put a halt to the continuing bills and failure to respond by PayPal Credit ) would cover all costs and no further statements or charges would be assessed. 
Now I have received another statement claiming I still owe {$100.00}.
RE  : Convergent Outsourcing /   XXXX  Sin ce 2012, I ha ve had a number of different debt collectors contact me regarding a bill to  XXXX . The amount claimed owed is {$1100.00}. I have explained to eac h one of them  that the debt is inaccurate and disputed for multiple reasons, primarily because I had called  XXXX  personally back in  XXXX   2012 and e xplained the problems I has having with their service. The CSR I spoke with said  XXXX  would waive the {$300.00} per line EFT ( early termination fee ) ; yet, for whatever reason,  XXXX  apparently charged the debt off as bad debt and sent it across the country to a  XXXX  different debt collectors, some of whom briefly reported it to my credit history.     I have received no written notice from Convergent Outsourcing it is  the ( latest )  agency trying to collect this disputed debt. The first I heard of it was when alerted by my credit-monitoring program that a new collection was reported by Convergent.   Worse, I do not see them so much as reporting it disputed, despite the fact the debt was been disputed at least a half-dozen times over the last 5 years. I am aware that various state and federal consumer-protection statutes, such as the Fair Debt Collection  Practice Act, requir e the disclosure of dispute whenever communicating about a disputed debt. I dont apparently even get that courtesy here.   I realize that Convergent is in the business of collecting debt, and is simply following through on its clients wishes, but it nonetheless has an obligation to do so correctly. I would ask that Convergent request whatever tradelin e ( s ) it r eported to be deleted, and for it to return the account to  XXXX  and properly inform them of the problems outlined here, so t hat God willing  and the creek dont rise this is the end of this saga. Thank you.
Chervon Gas company is use unfair practices in an attempt to get consumers to pay more money on there bill. They are charging {$35.00} late fees even if the customer pays the bill on time. They rise the minimum monthly payment balance at will to get more money while charging higher interest on the minimum payments. They also are reporting consumers to the credit bureaus even when continued payments are being made. Please look into these gas companies
In XXXX of 2015 my adopted mom asked me to co sign a title loan for her. Knowing the title loan has a high interest rate I really did not want too but did. She took my paycheck stubs to the title loan place without me being present or knowing what 's going on. I was under the impression the loan was XXXX. By doing this she is now over XXXX. 
Sunday XX/XX/2015 I have a letter on the door.inside this letter was a contract for XXXX XXXX 2015, it has my signature on it, clearly this is not my signature. Then here 's the letter, my name is totally spelled wrong. The tell me in the letter anything over XXXX is a class D felony and I need to take care of the payment in the amount of XXXX. This to me is they are trying to strong arm me into paying. Which I 'm not going to do. If they take the vehicle they take it.
I received notice that Navient had purchased my student loan from XXXX. I created a profile on the Navient website and set up my account with them as directed. I made my first payment of {$1.00} as a test payment ( bank verified ) and then set up Auto-pay for my first regular installment to be debited on XX/XX/XXXX. 

The first installment payment was not taken, but their website showed it was. On XX/XX/XXXX I  contacted my bank ( XXXX XXXX XXXX XXXX ) to verify and have documentation as a 3rd party regarding this issue with Navient. XXXX verified the {$1.00} test payment I made, but said Navient has not tried to debit my regular installment payment. When I contacted Navient by phone they said they couldn't view this information and that maybe I have provided the wrong banking information. They said if the bank information is wrong then it could take up to 10 days for a payment to be completed. They had no other explanation when I informed them that I had already spoken with my bank and and gave them the details. The phone rep told me to wait for the payment to be taken. 

On XX/XX/XXXX, I sent a written complaint for follow up through the Navient portal because the problem is still not fixed and no one has gotten back with me as I requested. Navient 's website shows the first installment payment received on XX/XX/XXXX, but now shows a late payment on XX/XX/XXXX.

On XX/XX/XXXX, XXXX XXXX from Navient replied that they are " still working '' on my account and need to " research '' my account. I followed up with via email with XXXX on XX/XX/XXXX and again yesterday evening XX/XX/XXXX and my account is still not fixed and I have nor received an update as requested. 

I have also request documents to show proof that they actually do own this loan, which has not been addressed.
I have credit inquiries on my Equifax file. Which i do n't recognize. Also have letter from bank stating they will be removed. Sent them to Equifax few times as well as certified mail. been 9 months and they still there. Equifax is not following any federal guidelines
CREDCO pulled my XXXX, XXXX, AND XXXX   credit report on XX/XX/18 with out my permission or written consent.
After dealing with an XXXX  in South Carolina, it changed my life drastically. It involved a change of address and non the less all communication was sacred. Willing to pay the debt that I accumulated, I called the XXXX @ XXXX XXXX and spoke with XXXX ( horrible person ) only to be told there is nothing that they could do, never giving me the debt collectors information or helping assist me with settling the debt I owed. I resided with the XXXX @ XXXX XXXX for a year, fulfilling my lease, and making sure all was well with rent payments, late fees, etc. Before moving out of my apartment I thorougly cleaned each room, leaving a cleaned apartment complex. Even the carpet was cleansed. As a victim I had no clue where to start after the incident, so it caused multiple complications such as lost wages and social complications. Please help me to settle this debt so that I will not have to file bankruptcy. Sincerely XXXX
wells fargo the furnisher even though fined and ordered to correct credit reporting has falsely verified at least 3 times to XXXX violating FCRA AND CFPB CONSENT ORDER. 
MY WF EFS ACCT XXXX ON THE CREDIT REPORT SAYS CURRENT STATUS IS 120 DAYS PLUS LATE WHILE THE LOAN WAS PAID IN FULL AND CLOSED XX/XX/2011
Navient Solutions is reporting multiple items on my credit report that I did not receive from them nor did I agree Navient to pay. I contacted both Navient and the XXXX credit bureau which are reporting these fraudulent items and neither will send me the contract with my signature which I requested. I have asked numerous times and received nothing. By law these items must be removed. I will be filing a complaint with the XXXX as well as filing a lawsuit against Navient and XXXX if these items are not removed immediately!!!
I must admit that you removed some of the errors but you continue to report several other errors. Now I dont know why is it taking so long for you guys to remove the rest of the errors. I have complaint to you guys several times. I am asking that you guys remove the accounts and inquiries that I have attached to this message file. I am in distress and this have caused major problems. I am sending this as an internal dispute and as an affidavit. I am unaware of the accounts listed on my credit file that is attached. Please remove the accounts within 24 hours because I have waited more than 120 days to see changes on my credit file. I will definitely follow up in a few days to see if the accounts are removed. I sent an affidavit, FTC number a few months ago showing that I was a victim of fraud and I was affected by more than a several credit breaches. Please remove the errors permanently your company continues to list on my credit file. If your company continues to list the error accounts and inquiries on my credit file XXXX wont be afraid to take legal actions and this isnt a threat so please dont be offended but I lead by action. 
Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Accounts & Inquiries listed in the attachment areas. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in 30 days of your receipt, thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX
The reason I am making a complaint about Blue Trust Loans is because I NOW know they are a " XXXX XXXX XXXX '' company, so they can escape state usury laws. I borrowed {$1500.00} from them on XX/XX/2018, and TRIED to make a {$300.00} payment a few days later to lower my interest, but they refused to take my payment. I have to wait till XX/XX/2018, and arranged to pay {$1200.00}. 

THEN on XX/XX/2018, I will STILL owe {$800.00} PLUS {$270.00} interest. So for a {$1500.00} loan, within a TWO MONTH period I will be paying back a total of {$2500.00} -- over a THOUSAND DOLLARS in INTEREST!

I let Blue Trust loans know exactly what I thought of them, and I have no doubt that THEY are the ones who sold my phone number -- I now receive twice hourly calls from area code XXXX. I keep blocking each phone number as it calls me, but I get another nuisance call from a different phone number out of area code XXXX. I am going to have to change my home phone number thanks to these crooks!
I paid a hospital bill before due date. Weeks later I received letter from a collection agency saying I owed the same debt so I contacted the hospital system with my receipt and they assured me that it would be worked out because the account was labeled " paid in full '' and subsequently closed. Later the collection agency called me to collect the same debt so I contacted the hospital again and they reassured me that it would be taken care of and would contact the collection agency to stop attempting to collect the debt. Later I was notified the the debt had impacted my credit so I contact the hospital again and they have located the payment and would investigate why the paid bill was still sent to collections. I noticed my credit had recently dropped significantly because the debt so I inquired about the investigation and the hospital representative said they have noted to investigate the payment, not the collection and recommended I come in with the receipt to help clear up the situation.
We purchased a house for our daughter ( myself, my wife, my daughter ). Contracted in that order for her while she attended college. Then one day out of the blue Chase mortgage sent my daughter a loan modification option letter in her name only. She signed it, sent it to Chase and they did a loan modification for her and her only without my authorization or my wife 's authorization for a fresh 40 years. I discovered this when I called Chase one day about some insurance issues. They informed me that they did n't know me and I did n't have a loan with them nor did my wife. They would n't talk to me about it until my daughter wrote to them saying it was OK to talk to me. They still denied us being on the loan with my daughter until I decided to stop making payments. Then 4 months later we received a foreclosure notice. When I contacted them, then they told me we were on the loan and that they just did n't press the button hard enough. Ever since then they have told me that my wife and I are on that loan modification they did for my daughter without our authorization. We are not on that loan and do n't want any part of it. Never signed for it and never authorized any one to change any part of it. They sent us a letter saying they inadvertently sent my daughter this modification letter without our authorization in error and that was n't their intention. ( I will attach this document for you ). They have admitted to their mistake but have not given us any viable options. We did n't ask for a loan modification, we were good with the loan we had. Our credit is ruined. We always made our payments on time and have always had excellent credit. We did n't ask for any of this.This new loan they gave my daughter was as much each month as she made income wise each month. I do n't think that would be legal either. I can say confidently that a loan can not be changed or modified without all parties signatures. Just this week I called Chase and spoke with XXXX XXXX, who did agree that that they should n't have done that and was going to have a big meeting with supervisors and get back with me. He did today, he was trying to offer me a step modification I think he called it, to adjustable and complicated for me. I 'm a simple man. I asked him to put something in writing and we would consider something reasonable to put this behind us. This has been very trying on myself, my wife and my daughter for way to long. We need intervention and We hope your the right people to help us against the big banks who got bailed out on this same stuff they did before.
They are calling my cell phone without permission attempting to collect on a debt that is past the statute of limitations. They have even sent me a notice stating that the have no ability to attempt legal action due to this, but continue to call. I received notice yesterday that I was part of a class action lawsuit against them for calling my cell phone without permission between XX/XX/XXXX and XX/XX/XXXX, which they deny doing anything wrong, but they continue to do so to this day! In fact, I just now received a call! They call 3-5 times a day, and I have blocked the numbers they call from, but they just keep using different numbers to get through.
My home was foreclosed when shortsale reviewing on XX/XX/2017 by SLS ( Specialized Loan Servicing LLC ).
Found out that my mortgage company, Specialized Loan Services ( SLS ), has yet to file my on time payments with XXXX credit Bureau. I have been calling them for over 3 weeks each day to see about a resolution and they have yet to resolve issue as I have spoken to credit bureau who verified no resolution has occurred after they have reached out to creditor. I have spoken to serval customer service agents along with supervisors and nothing is rectified to this date XX/XX/XXXX.

Also asked for mortgage note on home and loan company could not produce. I was then sent one from XX/XX/XXXX which is not the same as my current mortgage note. Three weeks later and still no correction to credit report nor my current mortgage note
I applied and accepted a forebearance for my private loans in XXXX. The forebeaance was to start in XXXX. Come XXXX, Navient deducted the payment from my account. I called and they said that the representative who handled my forebearance forgot to cancel my payment ( I was on auto debit ). I received mutliple overdraft fees from my bank on this. It is now 3 weeks later and I have not received the refunded money. 
I called today - and was told it was processed on XX/XX/XXXX. I called XX/XX/XXXX. Not sure why this is taking so long, it is ridiculous. I was told it was a holiday - I called 3 weeks ago, way before a holiday. Navient system is disorganized, and unreliable.
Within Equifax the accounts of XXXX XXXX Bank Account XXXX is not mine and XXXX XXXX Account XXXX is not mine and I have reported it to the police. The account has not been removed from my credit report. I have attached the police report to this dispute. I have contacted both companies to try and resolve the issue. As, I have been disputing this problem for the last two months. I have told them that this not my accounts and they have stated that they have evidence that it is my account. I have asked them what sort of evidence they have, and they have responded that they have my social security number and birthdate. I have explained to them that the my data has been compromised and that would include my social security number and birth-date. However, they did not want to hear it and did not want to work with me. I have also offer to pay it as I just want it off my credit report. They said that i was able to pay it but they would not guarantee that it would be removed from my credit report. The XXXX accounts are not being cooperative and refuse to remove it from my credit report. The information that they have provided to me has not been a legitimate to state the accounts are mine. I have shown them that police reports have been filed and have made proof that my data has been compromised.
I wanted to refinance my loan with XXXX and also to modify my loan with them. As soon as they saw that we wanted to do that they sold the loan to bay view loan services. As soon as the loan was sold we found ourselves with people that came to do appraisals of the house without calling or making appointments. Then we had to pay XXXX appx in late fees that the company could not provide proof of. Then they opened an escrow account in our name without asking permission even though all our taxes and insurances are paid through XX/XX/XXXX and late XX/XX/XXXX. I attempted to call them XXXX times .i left messages only got voice mails. Then when I finally got a hold of a person when I told him that if the issue of the escrow account does not get closed I will inform CFBP he put me on hold and never answered the phone anymore. After on hold for over XXXX. Minutes I had to hang up the phone. 
Last year we subdivided the property. XXXX mortgage signed off on the subdivision. Now I have a mortgage covering XXXX properties which the bank does not recognize that are XXXX properties even if the county has XXXX different apn numbers. This new lender send an appraiser to do an appraisal on the old property ... ... which he did it incorrectly for the bank ... so he provided the bank with false information ... ....
I have never ordered anything from this company nor received anything from them. A collection account from them appeared on my credit report, and when I disputed the info with the 3 credit bureaus, Swiss Colony sent back a letter asking me to provide proof of my residence and other items ... .I refuse to provide this information to a company that I 've never heard of and never did business with. I was impacted by the XXXX  breach, so not sure if this has something to do with it. This information needs to be removed from my credit report.
AMEX Card Ending : XXXX I closed one of my Blue Cash preferred account. I paid my membership fees for the year, when I cancelled the card, it wasn't the end of the year, so when I closed it, they prorated my membership fees and I ended up getting a refund of about {$100.00}. Everything was good and there was no issues. Few months after, I get a letter from them saying that I owe {$6.00}, called them, they said it is interest, from here to there, they said they are going to waive it and they did. Few months after, I get a notification from XXXX that a delinquent account was added to my record and when I checked it was the AMEX closed account. How did this affected me? my credit score declined by 90 points. I called AMEX multiple times, they transferred me from one line to the other and nobody helped me, I was caught in a limbo. Please assist me with this, I don't know where to go with this. Help!
I first acquired a {$10000.00} loan from XXXX XXXX to attend a local school, at which time I was making payments at 9 % interest, {$80.00} per month, I was unable to find work in that industry as all of the prospective employers stated they would not hire anyone from that school which teaches same style to everyone, like a robot. I was offered deferrment for 5 years ending in XX/XX/XXXX, I took it. I then was offered forebearance there after, I never knew there was a plan for financially challenged individuals. The loan was then moved to XXXX in XX/XX/XXXX at that time interest accrued and compounded to {$30000.00} at the same 9 % interest as originated. I was offered again to place loans in forebearance, at one time during the next couple years I was about to default due to utilizing all of my forebearance allowed, it was explained to me, there was a program in XX/XX/XXXX that can get me out of default if I paid {$90.00} per month for 9 months, according to my gross income of {$2000.00} per month. I made payments for specified period, and my loan was placed back in good standing with credit bureaus. After that I was once again placed in forebearance to pay at that time {$370.00} per month as only resolution to my issue. In XX/XX/XXXX my loan was passed on to Navient, {$42000.00} at that time, as they contacted me I explained that I was only making {$1700.00} per month gross, once again the answer I was given was forbearance. My loan balance is now over {$60000.00}, over {$50000.00} is interest. Ive been in and out of XXXX since the economic downturn in XX/XX/XXXX. I get work when possible but still only make {$1700.00} per month gross, my latest forebearance that Navient just put me on without my knowledge, ends XX/XX/XXXX and payments of {$700.00} per month will resume for a total of 300 months. Im getting back on my feet and my credit is getting better, however, I will not be able to make {$700.00} per month payment and inevitably will go back into default and credit back down the tubes. Im just looking for a payment I can make I dont care if I pay the loan for the rest of my life. I dont know where to go for help, so I look for direction. Thank you for help in advance.