WillisBack/dataset-financial-user-claim huggingface dataset:
Ive be paying my student loans on and off for years, Ive been in deferment, forbearance and I even defaulted. I rehabilated my loans with what was a large sum of money for me at the time And I have consolidated my loans. I do n't understand how my loans have exponentially grown. Ive been dillegent now for years paying {$500.00} + per month. Still not back to what they call my original loan amount. It may just be the way the student loan debt. Business works, I may be taken advantage of, or likely both. Or maybe something wrong is going on?
I am in the process of purchasing a home. I received my report from the lender and a company called Lexis Nexis Risk Solutions Bureau is reporting an unknown tax lien to my profile. I have never had problems with my taxes whatsoever. I have not been notified by anyone however they put this account in my profile. XXXX
I called Transunion and I also have sent them multiple letters to delete inquiries that were done without my permission. They have yet to correct this for me. I called them on  XXXX / XXXX / XXXX  for the  3rd ti me and nothing has been resolved. Other times I have sent them letters in  XXXX   XXXX  and  XXXX   XXXX . These are the following inquiries I asked them to dispute.    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   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
I have disputed an account called XXXX XXXX on my equifax credit report. I do n't believe this account belongs to me. I have been provided with no proof that I have contracted with them. No documents showing that I agreed to owe them money. Equifax also removed this account then added it back the next day which dramatically affected my report negatively and they did not notify me of this activity which they are required to do. I have notified equifax of this error and they still refuse to abide by the FCRA.
Portfolio Recovery is reporting a debt that is a result of fraud. I have made the original creditor as well as the collection agency aware of this fact. I also took the necessary steps to file an identity theft report with the FTC and forwarded to all 3 bureaus and the account holder. Yet they continue to report this negative and harmful item on my credit report. the balance, status, and payment history is inaccurate and I'm not responsible for paying a debt amount I did not add or owe. They have not updated my account properly and I'm to the point where I don't know what else to do to clear this up. i know it's a violation of the FCRA to report any information that is inaccurate, incomplete, or unverifiable. This account is all of above. the only thing they can prove is that someone assumed my identity to open this account and forged my name on whatever contract that was formed
PLEASE REMOVE XXXX XXXX OFF AUTH USER. SS # XXXX ACCT # XXXX.
The State of Colorado has no legal authority to put to a foreign case on my credit report. It has to be done by the country with whom the legal issue revolves around. 
XXXX has not responded, they just keep messing up my credit report. I have 30-31 days to make a car payment, and they keep saying I am 30 days late, I have never been 30 days late. I make XXXX payments per month in the month. I also have a 3 month payment deferment which they seem to of forgotten all about last year. 
XXXX XXXX has turned my debt over to a collections agency now both are showing the same debt. I returned the Items but I get no response from them or the XXXX credit agency 's. 

THE credit monitoring and reporting is a real SCAM!!! The system is so inaccurate and when you try to correct it nothing happens except they want and take your money which it should not coast anything to keep track of your life history.
I 've notified this company for the past 2 years that the debt they seek should be taken up with the insurance company and I 've sent proof of my permanent disability over a year ago. Yet this company still Persues me in regard to this debt
on XXXX XXXX, 2016 I took {$280.00} from my account in 2 transactions. I got only {$20.00} bills. Later the bank took out an extra {$420.00} saying I had received {$50.00} bills in error. This was not correct and the bank is unable to prove I got $ XXXXs. Nonetheless they refuse to restore my {$420.00}.
I purchased a XXXX from the retailer staples in XXXX New Hampshire to use on XXXX XXXX XXXX XXXX XXXX 2016, the device was returned 4 days later to the same retailer, also same clerk that completed original purchase, with this retailer and XXXX you get 10 days to try the service and device no obligation, XXXX XXXX unable to figure out how to release me from this debt that I do not owe them they claim its XXXX I 've called them 4 times since XXXX XXXX 2016 to try to fix this also contacted the retailer staples and talked to the store manager and clerk involved. They are all stating that the device was returned within the time limits. Now it 's XXXX XXXX and the account has been passed onto a collection agency named convergent, also XXXX wireless has tapped my credit report, stating collections as the reason. I fear for my good credit report that took a lot of work to maintain.
Paypal restricted permanently my accounts with them. I understand it is their business decision to not do further business with me but they are withholding my funds for 180 days before they release them. Upon contacting Paypal I was informed that this policy was due to potential charge backs / transaction disputes that may occur due to use of credit card and that the provision was part of their user terms and conditions. 

Paypal User terms and condition state that : '' XXXX Actions by PayPal - Restricted Activities. 
( ... ) e. We may hold your Balance for up to 180 Days if reasonably needed to protect against the risk of liability or if you have violated our Acceptable Use Policy ; '' I find that the period of XXXX is unreasonable in this circumstances because : - There is no risk of liability - my existing balances were from transfers from other users which loaded their accounts with Paypal MyCash which, according to Paypal terms and conditions, are non-refundable ( hence, the risk of liability from Paypal is non-existent ) - I am not involved in any prohibited activities described in the acceptance user policyI wish for Paypal to refund me XXXX, which is my existing balances across my accounts. Reference numbers : XXXX - XXXX - XXXX
On or about  XXXX   XXXX ,    2017, I recei ved a letter from AcctCorp of Southern Nevada regarding a collection of alleged medical debt. On  XXXX   XXXX ,  2017, I se nt a letter certified mail to AcctCorp of Southern Nevada requesting the following : - Breakdown of any and fees including any collection costs and medical charges.   - Copies of any and all  XXXX   XXXX   XXXX   XXXX  bills, documents and correspondence in your possession.   - Copy of my signed contract with  XXXX   XXXX   XXXX   XXXX  authorizing release my medical information to ACCTCORP.   - Copy of any and all contracts between ACCTCORP and  XXXX   XXXX   XXXX   XXXX  as set forth in, but not limited to, T itle 45, 164.502 ( e ) and 164.504 ( e ) of t he Code of Federal Regulations. - Cease any credit bureau reporting until the debt has been validated by me.   AcctCorp of Southern Nevada failed to provide the information I requested as per the Fair Debt Collection Practices Act, and Tit  les 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations.
In addition AcctCorp is in violation of HIPPA and my privacy has been violated according to 45 CFR 160.103 as AcctCorp is in possession    of my private medical records and history without my express written consent.   AcctCorp of Southern Nevada is also in violation of the FDCPA ; having posted the alleged debt on my credit report prior to responding to the requests made in my letter to them, dated  XXXX   XXXX ,    2017. A copy  of the letter is attached.
The account below is not reporting on my credit port and it 's effecting my profile and score. 

XXXX Account Number XXXX
XXXX XXXX XXXX was deleted on my credit report in XXXX and as of XXXX XXXX 2016, this account was reinserted on my credit report causing a decrease in score and also refelcts inaccurate information. Also a XXXX account for the amount of {$830.00} was deleted then reinsterted again. This has caused signficant decrease in my credit score. I attempted to file a dispute with both XXXX and Equifax and nothing was resolved. I recently called Equifax today XXXX/XXXX/2016 explaining the siutation and nothing was resolved.
On XXXX XXXX I contacted Wilshire Consumer Credit And Spoke with XXXX a Supervisor. I was calling to get the information XXXX was needing released to acquire a new loan with XXXX. was told i needed to provide a letter of authorization. which my fiance filled out and signed since she is on the account with me, sent it in and authorization was given for XXXX to speak with Wilshire. Upon XXXX speaking with them and calling us back. we were informed that the information XXXX was requesting would not be released. See i was given a 10 day payoff from Wilshire on XXXX XXXX which will expire on XXXX XXXX. I fear that wilshire is stalling to prevent me from being able to have this loan paid out completely. this is unfair to me as it could result in my vehicle being taken and i am making an attempt to pay this loan out.
Equifax sends me a form on XX/XX/XXXX about Identification. Equifax credit file has had in the past info sent with several forms of identification and there is always and issue with them. now they send this letter but mailing corrections to the same address. 
they also had over 4 address that were not mine with different address numbers but now ask for my address. Equifax plays games with sending information and I 'm going to keep on filing on them until things are right on my credit file. And file with the FTC. A bunch of phone numbers that did not belong to me. I do n't no how they obtain info but they just make up information on JOB telephone and address. I mailed them copy on my state lic Copy of check. copy of contract from my employee as a RN and I have sent enough and more than they request. I have sent it more than 5 times.
I chose that they contacted my employer but that 's not even the main issue I have. My complaints are with accounts research on XXXX XXXX XXXX XXXX XXXX tn. I spoke with XXXX. He has contacted me about debt collection of a {$480.00} bill. With how busy I have been being in and out of the hospital, taking care of my toddler, moving, etc. I was just now getting back with them today. They called my husbands place of employment. Which we definitely never gave them permission to do but I still called them back because I realized I needed to make a payment on the account. So I called this morning and offered to make a {$50.00} payment today and start up a payment plan and they refused my payment. I was told that I either had to pay half today then half in thirty days or pay all today. Otherwise it would be turned over to court. So distraught I got off the phone while I was trying to figure out my options. I literally do n't have the amount of money they requested. So I was scared of what was going to happen. I called the doctors office that the bill was originally with and tried to find out if they could get the bill back so I could start a payment plan with them. They told me they had signed a contractSaying that they could n't do that so I called XXXX this afternoon and this time I recorded the phone call. Not only did they not verify my identity, he basically called me a liar about speaking to the Drs office, he called me irreasonble because I could n't pay the amount that he is requiring, and refused payment once again. He also ended the conversation by stating that he was n't willing to work with me. Now I understand that I owe a debt and that the debt has went on longer than it should have but now that I 'm able to start paying a little on it at a time I should n't be told no. I definitely should n't have to deal with someone that wo n't even consider working with me. Life happens and sometimes you do n't have {$500.00} spare to spend out but since I was trying to take care of it a little at a time I believe this situation should have been handled a whole lot differently. Once again I did record the final phone call that I can email to someone if they need proof of this interaction. I thank you so much for taking my complaint into consideration.
Inflated amount used on card. Actual amount spent is XXXX. Card is XXXX higher than would is actually spent. In addition to rerouted statements and inflated bills.
I have applied for a short sale of my home and have been in review for over a year. In  XXXX   XXXX  my home was appraised and an offer was submitted however due to repetitive document requests we were forced to have our property valuation redone in  XXXX   XXXX . I was advised on  XXXX / XXXX / XXXX  that the value came in higher than my offer and that I could counter or dispute the value. I was given a list of items needed to dispute that value and was advised that I had time to do so, but was not given an exact time frame. I submitted the information to the bank on  XXXX / XXXX / XXXX  showing pictures and  contractor  information for the repairs of the home. I followed up with the bank on  XXXX / XXXX / XXXX  that the documents had been received as the account representative stated it could tak e 48-72 ho urs for docs to be uploaded, however the rep at that time advised the file was closed out on  XXXX / XXXX / XXXX  for an insufficient offer and that the sale date was set on  XXXX / XXXX / XXXX . To my dismay I was not aware that the foreclosure proceedings were continuing while in active loss mitigation review. According to CFPB guidelines :  Restricted Dual-Tracking :  Under the CFPBs new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review. To give borrowers reasonable time to submit such applications, servicers can not make the first notice or filing required for the foreclosure process until a mortgage loan account is more than 120 days delinquent. Why would this continue if I was actively being reviewed for a loss mit option? I would like to be allowed to have the valuation dispute reviewed and the opportunity to counter. 10 days is not enough time to do so in any regard.  SPS  now refuses to to give me the information I need to appeal the decision and the letter they sent to my authorized third party does not give a reason for denial or even information on how to appeal. Please help.
Todays Date : XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made.

I contacted [ inquiry sources name ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX/XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I own and operate a small business. I had recently opened a PayPal account for added convenience for my customers. I have received incoming customer payments and sent funds from my PayPal account. I have been very diligent with my PayPal transactions and usage. I had recently processed credit card transactions manually inputting the card details. PayPal had placed a portion of these funds on hold. I contacted PayPal to ask the reasons why. I was informed the PayPal policy is any amounts to processed over {$500.00} in a one week period would be placed on hold. PayPal informed me they would release the funds as a courtesy because this was new and informative to me as a customer. I had called a few days later to follow up because they had not yet released my funds from the hold. The representative was rude and disconnected my call. Within one hour, I received a email from PayPal stating my account has been closed. 
I did not violate any law or terms of use in the PayPal terms and conditions. I have no chargebacks or bad transactions. I was not given any opportunity to explain my usage and given to opportunity to appeal this unjustified PayPal internal decision. PayPal representative I just spoke to, informed me PayPal is keeping my funds for 180 as standard PayPal punishment policy. I am aware of my state regulations and will contact my state regulators office because this is not fair business and treatment by PayPal
I am a victim of identity theft. The following accounts are unauthorized and fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX County District Court. The following inquiries are unauthorized and fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
I have a Bank of America home loan that was supposed to close on XXXX XXXX 2016, and that date was guaranteed by BOA 's " Close on Time '' guarantee. The guarantee states that BOA will pay {$500.00} if they fail to meet the closing date. The Loan Officer at BOA ( XXXX XXXX ) dropped the ball along the way, and as a result, BOA failed to meet the closing date ( though he never explained exactly what he did to cause the delay ). I have the email from XXXX XXXX notifying the title company and the seller 's real estate agent that BOA would not be able to meet the guaranteed closing date. His exact words were, " I am so sorry but at this time, the closing can not happen on Friday. XXXX is aware of the situation and we are remedying what needs to be fixed. To make it clear, he is not at fault, we are. '' Despite this clear admission of fault, BOA decided not to pay the guarantee. 
Even more perplexing is the reason that BOA gave for not honoring the guarantee. They determined " the delay was due to the seller delaying the closing as he/she/they were out of town and required a mail-out ''. But BOA has the events completely backward. The seller was in town on XXXX XXXX ( the original closing date ) and available to meet at the title company to sign the documents. The seller moved from XXXX to XXXX the day after the scheduled closing date ( XXXX/XXXX/16 ) and only required a mail out of the documents because BOA pushed the closing date back a week ( to XXXX/XXXX/16 ). Had BOA met the guaranteed closing date, the seller would not have required a mail out. 
I explained this to the Loan Officer, XXXX XXXX, and he appealed the decision, but the appeal was denied. I then contacted his Supervisor, XXXX XXXX, who examined my file and indicated that he had identified the source of the misunderstanding. He assured me that he would resubmitted my claim and was confident that I would receive a satisfactory result. That was in XX/XX/XXXX and I never heard back from him. I have since attempted to contact him via email and left voice mails but have received no response. 
Both XXXX XXXX and XXXX XXXX declined to provide me with the name of the department that handles these decisions. So, with no other means of recourse, I am hoping that filing a complaint will result in BOA honoring their guarantee by paying me the {$500.00} I am due.
i tried to call this number and i can not call long distance. I thought my complaint was pretty well described, I had a card with capital one and told them i wanted to close my account and when i tried to make the last payment they refused to take the payment .I called to find out why and was told my account was frozen. so this became their account they controlled the blocking of my final payment which isIllegal this is what i learned from XXXX free legal advice and they told me how to handle this.
I was the secondary signer on this loan. It was for a family member and, when she started to default on this loan, I was never contacted to try and rectify the situation.
On Thursday, XXXX XXXX, at XXXX I missed a call from a number listed as XXXX XXXX AL XXXX XXXX ). A lady named XXXX XXXX stated in a voicemail that they were attempting to locate me in to receive my signature on bc of a debt on my XXXX. She stated if I was n't located this would result in a missed court date. 

I immediately called the number back but it connected me to a debt collection company called Weinman Acquisition Group ( XXXX XXXX XXXX, NY XXXX ). A lady named XXXX XXXX answered and started off extremely rude. She told me that I had to pay in full then in order to not be summons to court. She gave me her direct number as XXXX. She stated this debt was from a payday loan from XXXX, a loan I do not remember and she also added their fee to the total. I told her I needed to check into some things. She immediately asked in I could put a down payment right then. I said " No, I will call you back ''. She proceeded to ask when I was going to call her back because after a certain time she could n't stop the summons. I again told her I would call her back. 

After doing some research, I found some complaints against them that said they did to others exactly what they did to me so I called back to get some more info. This time a gentleman answered. I told the gentleman that I was n't very comfortable giving my info out but he interrupted me twice and stated very rudely that I did n't have to be comfortable. 

After doing more research, I decided to not make a payment to them over the phone. They had confirmed my address so I did n't know if someone was going to show up or not. No one did, someone was home all day, and we have security cameras to prove this. I am unsure if I owe the debt but the threats and scare tactics are out of bounds.
I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX , XXXX XXXX,
My loan modification packet has been submitted for review but my lender has failed to respond. Loancare Mortgage has violated the Dual Track restrictions of Regulation X, 12 C.F.R.1024.41 ( g ). My lender has failed to provide me with a required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this my application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). Loancare also failed to evaluate me for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).