WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX a credit card account with PayPal/ Synchrony Bank was fraudulently opened in my name. I learned of this account after receiving a collections notice from XXXX XXXX XXXX ( a collections company ) requesting payment. I do not, nor have I ever, held an account with PayPal or Synchrony Bank doing business for PayPal. I have not, nor have I ever, authorized use of my name or personal information for incurring a debt with PayPal or any other debtor. 

Upon speaking with a XXXX XXXX XXXX representative, I learned this account was created on XX/XX/XXXX and a purchase was made in the amount of {$990.00} in XXXX XXXX, CA which I have no knowledge of. The past due balance after no payments were made is {$1100.00} as advised by XXXX XXXX XXXX. The address on the account is not, nor has it ever been, my residence. I learned of this address from the XXXX XXXX XXXX agent and she advised it is XXXX XXXX XXXX, XXXX, TX which is an address I am not familiar with. I did not, nor have I ever, made a purchase via PayPal in any manor or a purchase in, or shipping from, XXXX XXXX, CA. I have tried numerous times and numerous numbers ( listed below ) to reach PayPal and every representative has said this account is non-existent and will not give me any further information. I have tried in excess of 17 different phone numbers ( or transfers ) for PayPal and have reached no resolve. In addition, PayPal will only give information after providing the email address on file to which I do not have an email on file with PayPal. 

The fraudulent account is showing on all 3 of my credit reports and hindering my ability to get a mortgage. I have spoken with XXXX XXXX XXXX which was the collections agency associated with the account and they determined the account was fraudulently opened and removed their reporting from my credit history ( see attached letter ) ; however, I can not get anyone at PayPal to acknowledge this account even exists or to remove it from my credit report. 

My resolve would be to please remove this account from my credit history and provide a letter in writing either by email or mail stating such intent. I certify the representations made are true, correct, and contain no material omissions of fact. 

PayPal Numbers I have contacted, but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have fallen behind on XXXX of my private loans because I am making payments on other private loans, as well as the bare basics to live on. My parents, XXXX of whom is XXXX, have no way to make payments even though they are the co-signers. I am currently planning to make a move and job change to try to improve my situation. I have a previous arrangement with great lakes for a reduced payment of around {$140.00} a month however I was in the hospital and XXXX as well as other life-issues happen and have fallen behind, I am making small payments when I can every few weeks but the current " past due '' is over {$600.00}. They call my parents several times a day, threatening collections and demanding that they make a payment and threatening default - this happens every single day even on weekends though they never call my phone. I call them several times, explain the situation, asking them for any way to reduce or postpone the payments, to do anything to keep it from going to default - I simply can not pay what I do not have. They basically tell me time and time again there is nothing they can do, it does not matter. 

I am attaching email correspondance - I emailed them after speaking with several reps who suggested that I send an email because they were not sure which department could help me. I sent an email and got a reply saying " it looks like your question about your loan going into default was already resolved ''. WHAT??? I called again and FINALLY a nice rep informed me that basically the only way I can get any help or deferment or any kind of a different arrangement to AVOID default - he told me the only way to get any kind of help would be to enroll back in school and take out more loans. 

So my choices are to 1 ) default on my loans if I am unable to find a better job/more income, even though I am doing everything I can and will continue or 2 ) enroll in school when I 'm not sure I want to go back and take out XXXX more dollars in debt.
Commonwealth Financial sys tem has placed  XXXX  negative items on my credit report. I 've reached out to the company several times. When I called with the account number they refused to speak with me unless I give them my social security number and date of birth.   Which will allow them to update the information. I refuse to provide the information.   This account was generated by  XXXX  Hospital. A place I 've never step foot in. They have threatened me by saying they will have me served on my job. Garnish paycheck.  O  ne representative stated I was a liar, and I need to pay the bill.    The date open is  XXXX   2016 r eported as collection  XXXX     2016.
my name XXXX XXXX XXXX i get supplment secuity payment XXXX to account XXXX XXXX rounting num, ber XXXX on XXXX/XXXX/2016 loacl office XXXX XXXX XXXX XXXX XXXX ny XXXX. input direct deposit netspend ace elite card XXXX my socail secuity XXXX account XXXX. on XXXX/XXXX/2016 unipt XXXX XXXX XXXX XXXX account for paayment XXXX/XXXX/2016 ssi/ socail secuity XXXX account XXXX frame transaction account bank cards
I keep getting calls from XXXX XXXX regarding asset location. They asked to confirm the last XXXX of my social security and DOB. I told them that info did not match me ( it does not ). They became abusive and accused me of lying. They then call my place of business and talked to my supervisor, telling her I was a liar. I am not. They have called me at home, on my cell and at work numerous times and just wish them to stop. I have told them repeatedly that they have the wrong guy but they always become abusive and I just hang up. This should not interfere with my work, let alone my private life. The person they are looking for, if the ss # and dob they have is correct, is not me.
This is part of the Equifax data breach. I am just an ordinary American here, but it looks like they took a long time to disclose the breach ( imagine that their stock will tank now ), and they are seemingly forcing people into arbitration and a service to protect what they have already lost. It also appears that federal law requires creditors to report information to this agency, thus putting Americans in " harms way '' ( by law ). Without any way to limit this, I ca n't even be certain that I will not be a victim of identity theft. I have put a 90 day fraud alert on my wife and my social security numbers. Not sure what else to do. On there website, I went to the area where you could see if you were " affected '' - it says that indeed I was - here is the text : Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident. 

Click the button below to continue your enrollment in TrustedID Premier. 

I do not trust this company with my information and believe they have not done enough to sufficiently protect what is entrusted to them by the Federal Government. 

Please let me know what I can do about this. 

Thank you.
On XXXX XXXX, 2012, I began services for a program by XXXX XXXX XXXX. During my initiation, I was told that the total cost of the program would only be a single deposit of {$100.00}. I made XXXX separate deposits of {$50.00}, which covered the entire care. The program ended on XXXX XXXX, 2012. Instead of my health insurance ( at that time ), covering the costs, I discovered about 6 months later, that the coverage on my end, was supposed to be {$100.00} PER DAY! I was not able to pursue a dispute, due to the fact that I was ( and still am ) XXXX XXXX, and had other things to tend to. Long story short, I am in debt now because of being given false information and miscommunication. I would like this to be resolved immediately.
Hi. I had filed my taxes for   XXXX   online and was told I owed   XXXX   {$210.00}. I made an agreement to pay the total and even made a good faith payment of {$25.00} earlier this week. I was assured by the IRS that all collection efforts would stop and I needed to make the final payment on  XXXX .     Today, I got a notice that a public record was placed on my credit report by the   XXXX     State Country  clerk for the entire amount of the debt. I contacted the IRS and they explained that the credit bureaus must have sent someone to review the public records to add to consumer credit reports before the country clerk got notified and that is why it is on my credit report.
On Board an XXXX XXXX flight the passengers were offered roundtrip tickets to any US destination including Hawaii if we applied for a CITI Bank, AA Advantage card. I recieved the card and spent the required amount in the required period to qualify for the Hawaii tickets. Upon applying for those tickets I was told that Hawaii was not a part of that offer. The card as presented by XXXX XXXX agent was false and both CITI Bank and XXXX XXXX will not honor the offer as presented.
This is my complaint on XXXX/XXXX/XXXX I made a debit card purchase of XXXX with a XXXX and the transaction was denied, and I received a notice from Bank of America to login to my Bank of America Phone App, and verify I was aware of these purchases, I logged into app and followed all the steps for lifting the restriction, and received a message from the App, the restriction was removed and that transaction had been cancel, and now I could make the transaction again ; Assuming I was free to resume using my my card, I made a 2nd transaction for the same amount of XXXX and then noticed, I now had email from Bank of America prompting me to contact them, to review the transactions, i contacted the number in the email and was advised once again after verfying, I made the transactions I could reuse my card with no mention and any wait times, I asked the rep if the second transaction would be okay, he assured me all restrictions had been lifted from my card and the payment transactions showed as processing, along with a debit of XXXX and a credit of XXXX all on XXXX/XXXX/XXXX ; today on XXXX/XXXX/XXXX when i logged into my account I noticed the transaction did not post. The explanations I received from various reps was typical jargon of policies and very poor customer service, and the transaction was cancelled because it was seen as duplicate transaction and finally when I spoke with the Fraud team it was explained that you have to wait 20 minutes before making another card transaction. My complaint is this was n't explained in Bank 's App and nor did the customer service representative provide this info as well, the 2nd transaction should not have been cancelled and I should not have to contact Merchants and explained to them Bank of America errors, I 've attached an screenshot of some of the alerts I received.
The Consumer Financial Protection Bureau ( CFPB ) helped me with having my Bank of America account ending in XXXX reported by XXXX and XXXX ( thank you! ). Upon reviewing the credit report, however, the High Credit balance is being reported as {$14000.00} ; but my credit limit has never been above {$13000.00}. I spoke to XXXX at Bank of America on XX/XX/XXXX, and he confirmed my credit limit was increased from {$10000.00} to XXXX on XX/XX/XXXX. He could not locate a high credit balance of {$14000.00} from XX/XX/XXXX to the present. He stated I would need to start a dispute with XXXX. I submitted a dispute with XXXX the same day ( XX/XX/XXXX ) under confirmation number XXXX. XXXX responded on XX/XX/XXXX with dispute results ( attached ) indicating Bank of America verified the high credit balance is being reported correctly. XXXX also indicated additional questions should be directed to Bank of America. The XXXX dispute report includes Historical Account Information listing a " High Credit '' balance of {$14000.00} dating back to XX/XX/XXXX ( i.e. XX/XX/XXXX ). I could not have had a high credit of {$14000.00} in XX/XX/XXXX because my credit limit was only {$13000.00}. Bank of America would have had to provide some type of waiver for me to exceed my credit limit. Also, per my previous discussion with the Bank of America representative, no {$14000.00} balance exists on my account dating back to XX/XX/XXXX.
I have repeatedly explained to Capital One that I have not made or authorized any charges to XXXX XXXX XXXX. I have filed several disputes and Capital One is still refusing to refund me my money. In addition to that I was issued a credit from XXXX for food that was returned in the amount of XXXX and Capital One reversed it.
My credit card stopped working for some unknown reason a few days ago. 
I sold my house, had the telephone disconnected, and began staying at a hotel until my new house is completed. 
Have tried many times over several days to get XXXX XXXX to remedy the situation. 
Each time I am told that someone will call me back on my cell to verify info. 
The return call has never taken place. 
My account has always been in good standing. 
Balance paid in full and on time each month.
my loan was sold to bsi financial co last XXXX 2015 .they up my mortage payment by XXXX $ monthly.i contacted them as I have a payment history as well as an escrow history showing from XXXX. all the updates and also showing no outstanding balance on the escrow account they even paid the home owners insurance for the following year .I contact bsi and also wrote to them .they worte back there was a shortage in the escrow acct. they did not give me accurate info .the only thing they said in the letter is that they spread the shortage over 1 year which totals XXXX $ .I am on XXXX and receive help for the state to pay my taxes they received over XXXX from state of nj to appy to my escrow to lower my taxes .now I am not recieveing my mortage evey month I had to send a letter to get a statement. I have never been late.the statement I got was for 2 months showing I did not pay XXXX payment which it is due by the XXXX I was charged a late fee and they cash my mortgage check yesterday.i am not able to go on the website or speak with anyone about my account. also my mortage is an adjustiable which adjusts next month .the new payment shows the XXXX $ extra to continue for the new year of payments.i need help to resolve this issue as my hands are tied.
I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... 
XXXX XXXX XXXX ( Original Creditor : MEDICAL ) 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
We have a dentistry loan ; my husband needs massive dental work, and despite having XXXX dental policies, we 're still regularly paying thousands out of pocket for his care. We were granted a loan at our dentist 's office through XXXX ( a 3rd party credit card that our dentist contracts with ). On its face, this loan is attractive - there 's a one year no interest grace period. However, after that year, the interest rate becomes 23 % and the interest is compounded. We had always planned to pay the balance off before the 23 % and compound. 

A few months before the grace period expiration, my husband needed another {$1000.00} in care. We were offered another loan, and we asked, " will this resent the grace period on the loan? '' We were told that it would at the dentist 's office. It did n't. We noticed an additional fee of almost {$1600.00} earlier this week, so we spoke first with our dentist about it, thinking that it was an office error. 

The dentist 's receptionist who gave my husband the information that the new charge would reset the grace period, ( XXXX ), was unhelpful and went and got the office Manager, XXXX. XXXX explained to us that the grace period would only be for the new balance and that even though we have XXXX card, it 's counted as XXXX transaction. We told them what we had been told, and they shrugged it off with a half-hearted apology. It would have been nice to know all this three weeks ago. 

I have already discussed the situation with the dentist 's office and reminded them of the laws governing contracts and contract fraud - as well as the fact that intent to defraud is n't required. We also contacted XXXX - the best that they could do was remove XXXX of the XXXX interest, DESPITE the fact that we paid the balance in full today ( {$5600.00} ). 

My issue is that 1. there 's a communication error somewhere between The XXXX XXXX and the people signing customers up for their product. 2. That miscommunication is costing people copious money - XXXX on XXXX principle is ridiculous. 3. Once the error becomes obvious, there 's no recourse to the consumer. 4. Individuals at the XXXX XXXX are n't all rude but XXXX that we dealt with were very rude in discussing this. 

We have always paid our bills, and I feel that this is a scam to lull sick people who need large amounts of dental care into these ridiculous interest rates and unacceptable business practices.
On XX/XX/2018 I contacted Chase. I tried to use my XXXX XXXX and it was declined. The reason being is that XXXX said they never received my payment. However, I had paid my bill online through Chase on XX/XX/2018 for {$310.00}. 

I called customer service and they said sorry we dont see the payment what do you want me to do. I said I am now going to be charged a {$38.00} late fee plus the interest of {$310.00}. APR on card is 24.65. 

I processed the payment through Chase bill pay online and now I am being harmed because XXXX  never received my payment.
My loans were transferred from XXXX to Navient in XX/XX/XXXX. First they increased my payment amount from {$380.00} to {$390.00} for XX/XX/XXXX When I called and asked why they sent me document that just said I was on a graduated payment plan but did not spell out the payment plan. I also noticed that all the payment was going towards interest and not principle. When I asked them about it I was told I had accrued interest of {$340.00}. I asked why - this did not occur with XXXX - why with the transfer did I accrue interest. They told me they would send me documentation on it. All they did was sent me payment history for XXXX months with current account info. Again they did not address the why it occurred. I find their lack of transparency disconcerting.
XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information in my file. This information does not relate to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX B XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are fraudulent items I am requesting that they are deleted /blocked by name of source A CRA must block the fraudulent information the victim has identified within four business days after accepting her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Enclosed is a copy of the law enforcement report regarding my identity theft Please let me know if you need any other information from me to block this information on my credit report. 

Sincerely, XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
loan servicer is VERY unhelpful for very simple customer services issues for military service member : 1-payments made toward PSLF are not updated and require many many emails or calls to update. 
2-Income driven repayment recalculations due to changes in income are not properly vetted and despite submitting tax returns and XXXX 's they do not make the changes. 
3-employment recertification is PAINFUL every year. i am in the military on XXXX XXXX but every single year my recertification is denied, rejected, or needs to be re-submitted for one reason or another. 

please help servicemembers receive better support!
I took care of all debt by signing off with a debt consolidation place in XXXX, XXXX I signed a paper given up my rights of responsibility to contact creditors. There is two accounts for XXXX XXXX on my credit report.
capital one has went back to court and got another judgement ... this is the second time ... this is not right ... XXXX was about to come off my credit report, and then they done it again ...
I have been trying to clean my credit report up. I have XXXX things on my report that are over 7 yrs old and experian deleted the main XXXX. On my report DHS CS has put my child support on XXXX. I disputed it and it should be removed because its over XXXX yrs old. But they allowed XXXX to change the date and make it a XXXX date open which makes no sense. I also found out by National collections that in XXXXthat they notified all XXXX major credit agencies that fines and arrest warrants were to be taken off. They are still on there and there 's more that that. XXXX is now adding inquiries on my report from XXXX. An investigation by your office should be done by ur office. Also, on my reports is a school loan from XXXX and that is over 7 yrs old and should be removed as well. When I asked the lady at XXXX if they verified information put on the report her answer was " we have no way of knowing if the information is valid or not. '' I have XXXX items knocked off and XXXX more ready to be knocked of and XXXX, XXXX reports that should be. Now they are adding inquiries that were not on there before? There are also many inquiries not initiated approved by me and they refuse to take them off. Please investigate my credit with all XXXX major credit agencies.
I received a collection bill via a collection agency called XXXX XXXX , XXXX . They claim I owe {$250.00} to Paypal as of XX/XX/2018. However, I do not have a Paypal account. The bill itself looks sketchy. 

The bill says to send payments to this address : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, WA. XXXX The return address on the envelope is different. it is : XXXX XXXX XXXX XXXX XXXX, PA. XXXX
XXXX XXXX card claimed they would give me a XXXX welcome bonus after I spent {$4000.00} in 3 months. I have already completed it in XXXX and have n't received their rewards up to now. I made several calls to their customer service, but still no updates, which they promised would give me a feedback on XXXX XXXX. I made another call today, they say they can do nothing to help and do not want to give me a timeframe of when they can fix it. I do n't think they really want to pay the rewards. If they do n't give the deadline, they can even pay it after 10 years.