WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to make a payment to PayPal Credit for 2 weeks. When I call, the representatives will not take my account number or other identifying information. Then I emailed the CEO of PayPal who had a man call me - he said he would get back to me, but never did. To this day I can not make a payment because when I call the number on my statement nobody will look up my account to help me.
My Chapter XXXX was paid in full and discharged in XX/XX/2018 the discharge included my student loan totally {$7400.00}. XX/XX/2018 I received notice from XXXX XXXX I had a late payment show up 90 days past due. I reviewed and it was NELNET for a student loan.I called NELNET and was told is was for non-payment of my student loan. I explained to them the debit paid in full and included in my Chapter XXXX bankruptcy discharge. I uploaded a copy of the discharge to their website over 2 weeks ago and no one has responded or corrected the negative credit reporting. I just received notice that they are reporting it 150 days past due now. I do not know what else to do to resolve this matter. It's having a negative impact on my credit and the debit was paid in full. They made no attempts to contact me and I learned of the negative reporting by XXXX XXXX. If something is in question or being investigated I would think they would hold reporting anything negative until the matter was reviewed. Do we not as consumers have rights? Guilty until proven innocent.
i call XXXX XXXX XXXX XXXX ask them to closed this account and they did n't Account Number XXXX
New Address : XXXX XXXX XXXX XXXX XXXX  XXXX recovering from Hurricanes in XXXX. 
main home hit. 
pls. work with us during recovery
To whom it may concern I just recently purchased a new house this XXXX 2015 and shortly after moving in we began receiving letters regarding a mortgage accelerator program. I called them and I decided that it made sense and paid upfront a sum of one mortgage payment which was XXXX. Now they are sending me emails indicating that they have been shut down. I am upset not to mention out a lot money. Do I have any legal recourse about getting money back thx XXXX
I wouldnt think it would be a problem however look at the dating and what I referred to prior as self dealing by experience on the XX/XX/XXXX it dropped 56 points into in on the XX/XX/XXXX to the XX/XX/XXXX it dropped 26 points So in the span of two days I drop from XXXX or XXXX to XXXX The {$3.00} oversite /mistake cost me 70+ points in two days The minimum payment was expected to be {$72.00}. Plus the added {$41.00} for interest charged in 2018 looks like XXXX dollars in fees put me over the limit wow this doesnt look right
Ria Financial Services ( aka Ria Money Transfer ). Transfered {$2000.00} ( order XXXX ) to an account in XXXX and they were supposed to credit the money on XX/XX/2015 - as stated in their website. Money has not been deposited yet and all they say is they will contact the bank. XXXX 's customer service is the worst ever. Once the transfer was delayed, they did n't call me or emailed me, I had to call them to ask what was going on. And they do n't have an answer or solution. Also they state the transaction as completed!
This collection company has been told numerous of time to stop calling my job and to stop calling me. My work number is XXXX
I currently have a mortgage with Loancare. In the past I have had many issues with their online system and payments being taken out in a timely fashion. I would submit a payment and it would take their system sometimes more that 5 days to take the money out of my bank account. On one occasion I was charged an overdraft fee because they said I did not have enough money in my account to pay the loan. I had more than enough money to pay it so this was an error on their part of their system. 

Recently I applied for a new loan through XXXX XXXX. I wasn't able to get one because I had too many late payments from Loancare on my record. I was also told by the loan officer at XXXX XXXX that she sees this all the time with Loancare.People apply for a new mortgage  and are denied because they have reported late payments on their credit report. I believe this is happening because of their faulty system. I went ahead and contacted the company to try and have Loncare fix this. They refused and said what is reflected on my credit report is correct. I believe that because of their faulty system it is their fault that I have these incorrect reports on my credit report. I would like them to update my late payments. I believe they are incorrectly reporting payments dates to the credit bureau. I have a mortgage through XXXX XXXX for over 7 years and have never made 1 late payment.
bank of america and XXXX XXXX  XXXX violation of my right reporting inaccurate info and not letting me into my online bank account
I have previously been the victim of identity theft and now have some more items appearing on my credit report that were not done by me or authorized. I will be placing security locks on all three bureaus to prevent this in the future. The list of Unauthorized Inquiries are : XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
I was student at the XXXX XXXX XXXX. The school was closed for fraud by the FBI and I am under the term and conditions to remove my loans from the mentioned school. 
Currently I'm living in XXXX, Florida and I can continue my education because is not recognized by the college I'm trying to attend. The College name is XXXX XXXX XXXX and the new student personnel they explain me they can not accept any credit from the mentioned college and the only solution is start over again. 

I owe more than US18,000.00 in student loan and I'm frustrated because I have not graduate, I can't continue my education for the issue explained above. 

I hope you can bring me light to my case. 

Thank you
I use a credit monitoring service and was notified that a company by the name of JEFFERSON CAPITAL SYSTEMS from Minnesota reported a collection item to all XXXX credit bureaus. This, in turn, negatively impacted my credit score. 

This company should have contacted me ( via phone or email ) regarding any business they have with me and given me the appropriate information and timelines for dispute before negatively impacting my credit report. They did not contact me in any way whatsoever. The FDCPA and the FCRA dictates my rights as a consumer are that I must be contacted and given the time to dispute/respond. This company has violated that right.
I have had my mortgage with Citizens One Bank since XXXX. My XXXX XXXX payment was made through XXXX Bank online bill pay before the end of the month. But due to the holiday, the payment apparently did n't go through until XXXX XXXX. According to XXXX XXXX, this caused my credit score, which was reaching the high XXXX range, to drop significantly. I am asking that Citizens One will remove this as showing 30 days late due to the circumstances. I talked to XXXX of their customer service reps and he said this is prone to happen when you go through a 3rd party bank. To avoid this issue moving forward, I agreed to have my payment automatically drafted through Citizens One and the customer service rep is sending me the forms. My hope is to restore my credit score to the previous high ranking.
XXXX has stated that I owe a balance on an account. I has submitted dispute about this account and claim of inaccuracy. I had to resubmit my current address and information that verified my identity with Equifax after I sent that information in XX/XX/2016. This upset me tremendously because my information was not processed.
Credit Protection Association has submitted and account for collections without proper notification or the ability to dispute the debt as valid. I never received anything in the mail from this account nor have do i recall ever utilizing this service. It is against FDCPA to report any information without following proper protocol therefore allowing the consumer the opportunity to dispute the debt or proper notification about the debt. In this case neither were done CPA just took it upon themselves to provide inaccurate unvalidated and unlawful information to the credit bureaus. In my case this information has been on file since XX/XX/2014 and has been reported unlawfully for over 3 years.
On correspondence dated XXXX XXXX, XXXX, I wrote to this company asking for Validation documents for account number XXXX. More than 30 days have passed, and this company still has not sent me any validation document. This is a violation of Both FCRA and FDCPA. For the other referenced accounts, I have never received any validation documents as well. Almost two months and nothing has been sent to me to prove the validity of this item. This is my last resort and I am not going to hesitate to get my legal counsel involved.
i received a letter of intent to file a lawsuit by southern oregon credit service. i sent them a letter requesting validation of the debt by certified mail on XX/XX/2018. it was received by them on XX/XX/2018. to date there has been no response or communication from them.
Complaint Against : SELECT PORTFOLIO SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Reference Account : XXXX XXXX SPS Account # XXXX XXXX XXXX Account # XXXX Mortgage MIN # XXXX Property : XXXX XXXX XXXX XXXX XXXX, Fl XXXX COMPLAINT OVER MORTGAGE NOTE ALREADY PAID IN FULL This complaint is to request Select Portfolio Servicing Inc to open a investigation regarding mortgage note loan MIN # XXXX of XXXX XXXX Account # XXXX signed in 2006. 

There is a clear misunderstanding with this Mortgage Note that was already PAID in full. But the servicing Bank continue requesting payments and trying enforce a lien over a note that has already been paid by the borrower to the original lender. There is serious fatal errors with SPS accounting servicing regarding this account # XXXX. 

I request the servicing bank, Select Portfolio Servicing investigate this misunderstanding and solve this matter as soon as possible. The mortgage Note has been paid in full to the original lender XXXX XXXX. 

I will appreciate your cooperation in this matter. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl   XXXX XXXX XXXX XXXX
My sears account is closed, however a 30-day late payment is reporting on all of the XXXX credit bureaus. I have always paid this account on time. I have tried disputing this account with the credit bureaus each time it comes back verified and i have not received and proof that I was 30 days late. I even contacted sears and they gave me the run around. I contacted the XXXX and they gave me a XXXX number to call in reference to my account because the representative said she could only view six months back. When i contacted the XXXX number the guy stated that he could not help me and transferred me back to the XXXX. The next representative place me on holding stating that she would look unto it, but instead of coming back on the phone she transfer me to sears online. I am disappointed in sears company no one seems to know anything. If sears or the credit bureaus can not show me verifiable proof that i was 30 days late, then I demand you delete this inaccurate claim from all XXXX credit bureaus.
I have an unverified account from Caine & Weiner. I had previously disputed this account. I have never done business with Caine & Weiner. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Caine & Weiner Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Caine & Weiner Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Experienced identity theft fraud involving my PayPal account. Someone obtained my PayPal password and used it on XX/XX/XXXX to make an eBay purchase ( not from my account ). Paypal reversed this charge and password was changed. Despite this, on XX/XX/XXXX my account was again used to make XXXX eBay purchases for computers, shipping to a name/address unknown to me. On filing claim, PayPal positively closed XXXX case in the amount of {$2100.00} but on other virtually similar case for {$2200.00}, PayPal closed case upholding the transaction. As of XX/XX/XXXX, they are still planning to submit an ACH bank account withdrawl from me for {$2200.00}. This despite calling their fraud department twice to appeal and sending them further documentation, which I had informed them included police report and FTC complaint. Not only am I suffering from identity theft fraud, but PayPal is treating me as the criminal instead of the victim. I simply can not understand their actions here despite informing them via phone this violates Fed Regulation E as pertains to fraudulent transactions. This is complete fraud! The transaction did not come from my eBay account and was not shipped to me or to a person I know. I 've been a member of PayPal since XX/XX/XXXX and never had such transactions on my account in the past 15 years! Since this occurred, I have filed XXXX, AZ police report, filed FTC identity theft complaint, filed FBI Internet Criminal Activity Report ( IC3.gov ), placed a fraud alert on my credit bureau files, and notified my bank. I would like help in communicating/discussing with PayPal at higher levels than their front line customer service agents which appear unable to understand or resolve the issues. I 'd like PayPal to remove the XXXX fraudulent charge as they have the other XXXX.
It most recently came to my attention that M & M ( Merchant Medical ) released false information to the credit bureau for a debt that I do NOT owe. In XX/XX/XXXX I was a student at University XXXX and had an outstanding debt. Once the debt came to my attention it was paid promptly directly to University XXXX. Weeks after this I was contacted by the collection company. I advised them that the phone call to me had to be in error because the debt was paid in full - ( {$250.00} ). They questioned the validity of my conversation. I contacted U XXXX and informed them of the call that I received. I was told to disregard because my balance was XXXX. XX/XX/XXXX I call the collection company and was told that the credit bureau had placed this on my report and that they had nothing to do with this, which is false. I was told that they would issue a letter of retraction and facilitate have the information removed because it was false. As of today, I have not received a letter and I 've verified that is not removed nor is there a request submitted from Merchants and Medical.
Equity Loan bought out by SLS.. Sent new contract - I signed and returned. Then 1 months later SLS sent corrected addendum to loan because SLS did n't include what they say correct loan information. The new information was stating my loan amount would double on certain date and interest rate would increase. I have asked for a loan modification and SLS sent me a 36 month temporary modification with no change payment amount or interest.
I am a recipient of NYS XXXX. My coverage renewal was mailed to me XX/XX/XXXX. I had to fill out my NYS renewal forms and mail it to : Mail Renewal Program, XXXX/Medical Assistance Program, XXXX XXXX XXXX, XXXX NY XXXX. I mailed my forms in on XX/XX/XXXX. XXXX/Medical Assistance XXXX received it on XX/XX/XXXX. This form was sent to renew with my managed care program ; XXXX XXXX XXXX. I never received any updates via regular mail as I had requested when I signed up with my public assistance service. It was n't until I was inquiring on my coverage in XX/XX/XXXX that I found out that I no longer had XXXX XXXX Coverage. So, my coverage was canceled from XX/XX/XXXX to XX/XX/XXXX. I called my local social service office at XXXX XXXX and received the following status of my account:1. My mailed in application did not get processed after it was received on XX/XX/XXXX because it got transferred to the bottom of the list. 
2. On XX/XX/XXXX my account was noted under another persons name. 
I was then instructed that a new renewal form will be mailed out. I need to fill out and then return it. Weeks passed and I never received the duplicate renewal form. So I went into the social service office at XXXX Program, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX on XXXX to submit a renewal form in person, which I did. After I submitted this form, to my surprise, I received a renewal form again in the mail on XXXX. The reason why this is important is because during the time when my Managed care coverage had been canceled from XX/XX/XXXX to XX/XX/XXXX I made an appointment to see a Doctor who accepted my manage care coverage for payment. However, since I did n't have coverage during that point in time, now the doctor is billing me for the lapse in coverage of {$36.00} for patients with no health insurance coverage and {$320.00} for patients with healthcare coverage as what I have. XXXX XXXX is also billing me for {$77.00} for service rendered on the same date. Now XXXX XXXX and the Doctor is threatening to send my account to collections because of the payments not being paid. The account number for XXXX XXXX is XXXX XXXX XXXX invoice # XXXX. The date of service was XX/XX/XXXX. 
Dr XXXX collection number is XXXX at XXXX XXXX XXXX ext XXXX XXXX # XXXX service date XXXX/XXXX/2015. My NYS XXXX Benefit Account # is XXXX My Managed Care XXXX card # is XXXX. I am requesting that NYS XXXX or XXXX XXXX XXXX be responsible for this bill since neither of them notified me that I no longer had this medical coverage. Had I know this, I would have went to a straight XXXX provider for medical assistance. Please send me a response back in the mail at my address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX My phone number is XXXX XXXX XXXX Thank you.
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and cannot verify these accounts, under Section 611 (5)(A) of the FCRA - they are required to "...promptly delete all information which cannot be verified" that I have disputed. Please resolve this manner as soon as possible. Thank you.
I am a senior that has come across a lot of fraud and it has left me in an horrible situation. After the passing of my husband,  XXXX / XXXX / XXXX , I started to look for ways for ways to lower my mortgage. I was listening to the inspirational radio station and heard that the  XXXX   XXXX   XXXX  could help me lower my mortgage payments. The Law office of  XXXX   XXXX  charged me {$3400.00} advised me to fall behind on my mortgage payments to get a principle reduction because my husband passed.   I was denied assistance because my income was listed way too high on my forms that I never received a copy of. I then went to  XXXX  of  XXXX  and was assisted with correcting my income on an appeal that I won.    Ditech offered me a HAMP modification and I took this agreement over the Hardest Hit Funds because of the lower interest rate they were offering i n the trial plan. When I revcieved my permanent modifcation documents, I saw the very unfair terms. They started my prinicple balance back to when I first purchased it and extended my loan out to 33 years when I originally only had 8 years left. I also have a {$41000.00} balloon payment. The modification documents did not provide a separate disclosure for the balloon payment, I did not even know it was there until a hous ing counselor told me about it for the complaint. The permanent documents   did not require a notary and I put a (? ) after my signature because I was not sure what I was signing.   I called Consumer Affairs as the paperwork stated and was referred to  XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  IL  XXXX . I told Consumer Affairs I was already working with   XXXX   XXXX   but they insisted I use   XXXX   XXXX   instead. I initially met with Pastor  XXXX  and he assured me that he can negotiate the terms of my modification and explained that I HAD to sign the permanent modification. I never heard from him again. I complained to the church and a  XXXX   XXXX  explained that it was my responsibilty to make sur e Ditech had their authorization. I called Ditech and they did have the authorization to speak with them on  file. I then never heard from  XXXX   XXXX  again.   I am senior that purchased my home with my husband for {$95000.00} in  XXXX . I can not believe that Ditech has prosed this modification that will end with my family being in foreclosure. I have reached out for help numerous times, but have just been taken advantage of and provided with false information. Before I seeked help, I was never late with a payment for 23 years straight. I know that I refinanced with a predatory lender  XXXX . I was then transferred from  XXXX   XXXX   XXXX  and now  XXXX . I could not afford a lawyer to help me with these documents and I feel like I am losing my house with all my years of hardwork.