WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX - XXXX My account ( identity ) was compromised. I tried to contact creditors and explained but they didn't listen me and provide any proof and gave to collection agency. I am really tired and gave up. Please help me.
I received two refunds onXX/XX/XXXX from XXXX XXXX thru PayPal.

The funds from the refund for {$41.00} was immediately made available. That balance was actually used towards a replacement order onXX/XX/XXXX Another {$370.00} was withdrawn from my checking account. The refund of {$400.00} shows as refunded but the funds have never shown back in the PayPal account. Account balance is {$0.00}.

XX/XX/XXXXI noticed the {$370.00} withdrawal from my checking. I did not understand why, so I called PayPal on the morning of the XXXX After navigating their auto phone maze, I spoke with an Agent. I asked why funds were taken when they still owed me {$400.00}. First he said I used it against the purchase onXX/XX/XXXX. Then put on hold for while, came back and said it takes 5 to 7 business days. I pointed out that I received one of the refunds that was processed the same time. He remained with 5-7 days, and would not explain why.

XX/XX/XXXX, day 7 I call again, after the two minute hold this time I was told that XX/XX/XXXXhadn't completed their transaction, so my refund hadn't been processed. I asked why would or how your system know there was a refund if XXXX XXXX didn't notify you?. Put on hold 7-10 minutes. Upon return, I will need to transfer you to a specialist.

I hung up. I decided to try the website, sent an email, received a caned response and then a second response : Good day. Thank you for contacting PayPal about your transaction.

I'm unable to determine what transaction you are referring to. If you are pertaining to your transaction with XXXX XXXX XXXX   I regret any confusion and inconvenience this delay may have caused. We have identified a technical issue that the refund was completed but still pending on receiver 's account.

I have noted that your account has been affected by this and will pass on the information to our technical support teams who are working on a solution in a quickest possible time.

I humbly ask for your extended patience and understanding.

Thank you for being a valuable member of the PayPal community. Take care.

Sincerely, XXXX Consumer Support PayPal Copyright XX/XX/XXXX PayPal. All rights reserved.

XX/XX/XXXXI have called everyday sometimes I get to the specialist, never a manager. All have assured me my funds will be released in 1 to 24 hrs. Nothing has changed, I was given a ticket number once by, and on subsequent emails I have sent in response to their emails doesn't match.

I believe eitherXX/XX/XXXX the Agent had me try to file a dispute thru my PayPal account. I could not dispute the original purchased, since it had be refunded. And I could not get the refund dispute to accept.
Lender is not licensed to do business in the State of New York as required by New York Banking Law Article IX and is charging interest and other fees not permitted under N.Y. Banking Law Article IX and is attempting to use a XXXX in an attempt to give its loans an appearance of legitimacy.
We Did a Loan Modification with XXXX XXXX back inXX/XX/XXXX to a low interest ( ARM ) Interest only payment. Our Loan was Sold to XXXX XXXX inXX/XX/XXXX. We always paid on time and never had issues.
In XX/XX/XXXXwe were looking to sell our Home but decided not to because we were told repeatedly by Ocwen and also confirmed with the online statements that the rates remained at a low 1.75 % interest only rate. 2 Months ago we received a letter that our rate was increasing in XX/XX/XXXX and would adjust to the current rates so we decided to sell our home.
when we received escrow documents we were astonished to see that ocwen had added an additional $ XXXX in Principal to over original Balance of our loan. They added Interest payments going back toXX/XX/XXXXas well as Principal unpaid.
we have layers involved but have since closed escrow because we could not afford the newly adjusted rates+ principal payments and could not refinance the loan because of the Loan to value based on their new principal amounts.
we are now stuck after the fact trying to dispute with ocwen the amount and their calculations which we feel are agregeous and misscalculated
On XX/XX/XXXX I executed a clause in my lease that states if I get an appraisal and it comes out above the owed value, I can turn it in. This was the case, but the dealership ( Honda ) failed in sending the vehicle return receipt after giving me grief because they didn't understand the clause. 
Several times in XXXX I had to call the dealership and Honda Financial Services after I was charged {$250.00} for my XXXX payment, even though I executed the clause on XX/XX/XXXX, which should have ceased all payments thereafter. I completed the vehicle return receipt again mid-XXXX and the rep at HFS closed out the lease. Later, I was asked to send proof that I turned in the plates. I did that on XXXX/XXXX/19 and faxed the document to ( XXXX ) XXXX. I then called at least 5 times on XX/XX/XXXX and they argued with me, hung up on me, and placed me on hold 2 times and never came back. They refused to transfer me to a manager and stated the dealership needed to pay me the money. HFS and the dealership are under the same umbrella for ownership and they need to remedy their mistake. They also stated the vehicle return receipt was not on file, which it had to of been.
ON XXXX XXXX2017 A SAVING ACCOUNT WAS OPEN WITH MY PERSONAL INFORMATION WITH AN ACCOUNT NUMBER ONLINE WITH NO IDENTIFICATION FROM MYSELF FROM A THIEF THAT USED MY PERSONAL INFORMATION ON THIER COMPUTER IN XXXX   ANOTHER COUNTRY WITH A UNITED STATES ADDRESS ( MY ADDRESS ) BY ALLY BANK IN THE UNITED STATES. CREDIT BUREAU WAS NOT PULLED BECAUSE IT WOULD HAVE STOPED THE TRANSACTION BECAUSE I HAVE A BLOCK ON ALL THE CREDIT BUREAUS. THIS IS A FAILURE ON AN US BANK TO ALLOW ANY ONE BEHIND A COMPUTER TO USE MY INFORMATION WITH OUT PROPER IDENIFICATION OF WHOSE APPLYING FOR A ACCOUNT! THIS IS AGAINST THE LAW HERE IN AMERICA TO OPEN A FORIEGN ACCOUNT ON US SOIL TO TRY MAYBE TO SHELTER MONEY OR LAUNDER MONEY TO OTHER COUNTRIES! THIS FAULTY PROCEDURE OF ALLY BANK HAS BREACH MY IDENTITIY FOR A PROFIT WITH OUT THE IDENTITY FOR THAT SALE. THE COMPANY REFUSED TO SENT ME THE DOCUMENTATION THAT WOULD VERIFY THAT THE ACCOUNT WAS LEGAL BEFORE THE ACCOUNT WAS ESTABLISHED WITH THIER ONLINE BANKING PROCEDURES THAT SHOULD HAVE BEEN FOLLOWED BY LAW!
Equifax is not responding to my requests to investigate items on my credit report that do not belong to me.
I applied for a Capital One Credit Card to help raise my credit score. I made very small purchases on my Capital One Credit Card, and paid these small balances off immediately, even before my statement due date. I was under the impression that I was making a valiant effort to repay my debt. There was an error in my bank information resulting in my payments being returned. When I noticed this action I immediately called Capital One to resolve the issue. Upon resolution, I was guaranteed there would be no negative action on me including late fees, negative credit reporting or closed account. The next day I found out my card was placed under fraud alert, due to my returned payments, which I corrected the day prior. Capital One needed to verify my bank information, which I complied with, and confirmed a few days later. The payment was withdrawn from my bank account. After my bank account was confirmed, my account with Capital One was closed. I AGAIN called Capital One to figure out why my card was declined, I was informed my account was closed. I spoke to at least 10 managers and more than 20 representatives during my phone calls, and was assured over and over my account would be okay. I was told I would receive a call back by many representatives. I was told I should expect a call back within 3-5 business days, it has been 7 business days since my last phone call. I have done everything and more expected of me to resolve any issues with Capital One, including initiating phone calls when something was wrong with my card. The guarantees provided by Capital One have not been honored, or valid. The customer service provided by Capital One has been horrendous, and no one is willing to help me with this issues. I have spent over 20 hours on the phone trying to resolve these issues. I have been the one to initiate the phone calls, and try to get a resolution. I believe Capital One is unwilling to help their customers, and wrongly closed my account causing : loss of time and possible damage to my credit. Had Capital One notified me of any suspicious activity I would have been able to resolve these issues immediately. The notification of Capital One is the reason I am in this situation.
I have a creditor by the name of Citibank I 'm currently 15 days past due to pay my credit card and they continue to call me during unauthorized hours. 

Today Sunday XXXX XXXX 2015 I have received XXXX calls from CitiBank attempting to collect the past due balance. 

First call XXXX Second Call : XXXX I have told them numerous times currently and in the past that this is illegal and harassment to be calling me on a Sunday.
Identity theft and foreclosure for a trustee that nation star mortgage said they were the owners. As per the trustee XXXX stated they were never the owner ever of XXXX XXXX XXXX XXXX tn XXXX so how can you assign the loan to yourself without the actual owner saying they were n't the owner ever?
The current ten-year HELOC was set to expire on XX/XX/XXXX. XXXX XXXX instructed us to apply for a new HELOC as the expiring HELOC product was no longer available. The new HELOC application was completed and submitted on XX/XX/XXXX, XXXX XXXX responded as follows : > Credit Score created on XX/XX/XXXX through Credit Reporting Agency : Experian > Special Credit Score Disclosure Form > Housing Counseling Agencies Notice > Declination letter dated XX/XX/XXXX > Contacted XXXX XXXX Consumer Lending Department upon receipt of declination letter only to learn that the department generates their own custom credit score using credit reporting information obtained from Experian ONLY! This was the first time an application for credit has been denied for either one of us. Despite debt/income and loan/value ratios exceeding the requirements, the declination determinate was XXXX XXXX custom credit score fell ten points below the banks required minimum score. This news ensued with disbelief as are FICO scores continuously reported within a range of 760 to 820. Further investigations produced the following : > My individual credit score obtained from Experian within days of the declination resulting in a score thirty-nine points higher than the referenced initial credit score from XXXX XXXX. > Credit scores calculated by the other two national credit reporting agencies were ninety and one hundred ten points higher than the referenced credit score from Experian/XXXX XXXX. > On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) issued a Consent Order Administrative Proceeding File No. XXXX against XXXX  XXXX, XXXX and companies for deceptively marketed credit scores to consumers by misrepresenting that the credit scores it offered and provided to consumers were the same credit scores lenders use to determine creditworthiness, in violation of the Consumer Financial Protection Act of 2010 ( CFPA ), U.S.C. 5531, 5536 ; and. Per review of the Experian Credit Report dated XXXX XXXX, unpaid medical bills are listed as current collection debts without any reference to their validity, date of service or expiration via Florida Statutes of Limitations. These same medical bills negatively impacted the initial credit score from Experian/XXXX XXXX despite creditors being prohibited from obtaining or using medical information when making a credit decision per the Fair Credit Reporting Act ( FCRA ).
Back in 2017 my American express card # XXXX was involved in an internet scam. 
I applied for a job in the internet with NY company as a procurement, went though the on-hire process were I gave them my personal information, including a copy of my credit report. 
Prior to my starting date the company made contact with me and explained that they couldn't get me on payroll yet and that i was on a trial period, they way to operate in the mean time was for them to paid off one of my credit card balances or deposit some money in one of my credit card so i could make the purchases. I stupidly gave them access to my American Express two days later they made a deposit for {$4000.00} that reflected on the account, they sent a list of purchases to buy electronics in XXXX XXXX and XXXX  and at that point i realized there was something very suspicious and the have taken control of my account information. I called American Express to let them know that something was wrong an to returned the money which they did and everything went back to normal in my account for 2 months then without me knowing by XX/XX/XXXX the account was tempered with again however since there was a warning in the account XXXX  proceeded to return the funds back again making the mistake and in stead returning twice the amount by wire and by electronic check debiting my account double. For 5 months I tried to resolve my fraud case with XXXX  who in turn after 27 years of relationship denied my claim that was being investigated through an XXXX department. I reopened the case 5 times every month with the help of a lady XXXX in the USA who was able to figure out what went wrong but by XX/XX/XXXX she retired and the case was left lingering and unattended I opened again though XXXX but no responses were achieved. In XX/XX/XXXX they reach out to me to demand collection but morally and ethically i couldn't move forward to pay a debt that was American Express mistake. 
XXXX transferred me to collections know and i continue unemployed.
We had set up an auto pay program with Great Lakes as early as XX/XX/XXXX for our daughters student loans. There were not any problems until our daughter decided to take graduate classes at XXXX. Without our knowledge XXXX sent out a notice that our daughter was back in school. Great Lakes without our knowledge or consent put our daughters account into deferment and changed our auto pay to {$0.00} essentially canceling the payment. This was done on XX/XX/XXXX. We did not notice the XX/XX/XXXX first payment was not made until XX/XX/XXXX. When we called Great Lakes we were told that students were automatically put into deferment when they went back to school. We told the representative we did n't want to be in deferment, and we wanted the auto pay to start back up. She said we could go online and reset auto pay. 
I set up auto pay for {$250.00} to come out on XX/XX/XXXX.  On the evening of XX/XX/XXXX we noticed the payment had not come out of our checking account. When I logged into our daughters account I saw where Great Lakes changed the auto pay account again. They changed the payment date to XX/XX/XXXX and changed the amount to {$210.00}. I also saw that they charged capitalized interest of {$38.00}. Also by changing my pay date from XX/XX/XXXX to XX/XX/XXXX they are trying to accrue more interest on the account. When I tried to resolve the issue with Great Lakes. When I tried to resolve the issue Great Lakes refused to take responsibility for setting up their computer program this way. If this happened to us, how many other people are the scamming? Is it legal to put someone into deferment without their consent? Am I financially responsible for them putting our daughter into deferment without consent and essentially stopping my auto pay causing interest to accrue and capitalize? Please help.
I had a school loan with Fed Servicing that was bought buy them, I was in the middle of a medical discharge of my school loans. My loans were discharged in XXXX and all my loans are in good standing on all XXXX credit reports except with Fed Loan servicing. They claim I was sixty days late with my loans, and they were in the discharge process and were not to be considered late, my loans were bought and sold 3 times and all XXXX of them are listed as negative on all of the XXXX credit reports. I started to dispute this back in XXXX when I noticed this company put the XXXX loans on all three credit reports. I even contacted DOE and and they said I had to contact Fed Loan and I did and they told me to print out a dispute credit form and send all documents to them and they would fix it, Because on information on the DOE website it says if loans are discharged any negative information on your credit reports will be removed. That is aside from my loans were under protection while in the discharge process at the time. So I sent the dispute to Fed Loan and I got a letter back telling me they looked over documents and are " NOT '' changing the negative standing on my XXXX credit reports. So I called them again and asked why and they said nothing they can do, if I wanted to submit the documents again. I told them NO and that I was reporting them for not following Federal law.
I am going through a hardship, I applied for a modification ; I was approved for modification on XXXX/XXXX/2015, payments are {$710.00} more than i was paying. 
( total payment is {$3100.00} ). This is not an affordable payment for me, could you please research a longer term loan ( 50 yrs possibly ), AND a principle reduction to the current market value of my home.
I have requested in XX/XX/XXXX/XX/XX/XXXX that permanent blocks be placed against certain creditors on my Experian Credit Report, due to the accounts being fraudulent, which has already been reported through FTC and police report to credit bureau. Not XXXX, but XXXX were recently added back on, and now I have been denied credit. Therefore, I am requesting that the creditors be permanently blocked on my credit report. Also, I want to a phone number to my fraud alert, and the company is not available by phone. ( Creditors are XXXX, and XXXX XXXX XXXX )
On XX/XX/2018 I sold my car to XXXX XXXX XXXX for {$12000.00} and started a lease contract on a new vehicle our agreement was that they would cut me a check within 10 business days for {$3000.00} when I did not receive the check I contacted the manager and they kept telling me that it was waiting at the XXXX dealership and that they would go pick it up for me and bring it and call me when it was there this went on for a month and a half when a different manager told me that I was not getting the check that I was not entitled to it and that was not the agreement I am submitting on XX/XX/2018 I sold my car to XXXX XXXX  XXXX XXXX for {$12000.00} and started a lease contract on a new vehicle our agreement was that they would cut me a check within 10 business days for {$3000.00} when I did not receive the check I contacted the manager and they kept telling me that it was waiting at the XXXX dealership and that they would go pick it up for me and bring it and call me when it was there this went on for a month and a half when I different manager told me that I was not getting the check that I was not entitled to it and that was not the agreement I am submitting A copy of the statement that shows that they were supposed to give me the checkThey owe me {$3000.00} and I feel like I have been lied to and swindled I am an elder person XXXX years old
Wells Fargo Opened a fraudulent loan under my name and social.I 've attempted to resolve the issue with Wells Fargo several times but have gotten nothing but the run around and a extremely unfair investigation. 

Wells Fargo has failed to properly Idenitfy me and has failed to ask for documents that would prove the validity of my claim. The refuse to look at information that is given and continue to assign the file to the same negligent investigator. 

The have discriminated me and slander my name and affect me and my families ability to gain job or credit due to a bogus fraudulent account that they continue to report. They continue to ignore all material information and facts that I have that would resolve the claim in my favor.
I do n't even recall applying for a loan or receiving a loan from these people and they 've been emailing me and calling me and my family members harassing us for money. Even going so far as to say I will be arrested if it 's not paid right now over the phone. Emailing me said they will take me to the courthouse to get money from me and make me pay legal fees and every email is for a different amount. Not one of them is for the same loan amount. They try to scare me by emailing me and including my social security number like they know it so I had to have taken a loan out. And the best part is payday loans are illegal in the state I live in! So this makes no sense and I 'm tired of the threats and harassment! They also claim that the US government is placing my social security number on hold.
The mortgage company continues to call the borrowers bankruptcy attorney. The bankruptcy is long done and we do not represent the borrower anymore.

They keep calling to ask if I can follow up and get mortgage documents for them.
AMSHER COLLECTIONS Services, did not verify information that was obtained or validation of account as requested from a letter that was sent to me on XX/XX/2018 from this collection agency 's attorney. The letter advised me that if I dispute these charges to notify them within 30 days. I did notify the attorney to state that this was inaccurate. Instead the collection item was placed on my credit report as of XX/XX/2018 ANYWAY. 

This caused tremendous damage to my credit report.
PORTFOLIO RECOVERY re aged 2 accounts with XXXX XXXX showing they were opened in XX/XX/2018 this is fraud. They call multiple times a day claiming that I have a legal matter pending in their office and me or my attorney need to call them back. I have attempted to correct these items with XXXX, XXXX and Portfolio Recovery and they refuse to remove this false information from my credit report. The phone calls claiming to be an attorney continue from Portfolio Recover from various locations across the US. These calls are to my cellphone that is also on the do not call list.
I was shocked when reviewing my credit report and found a late payment on the date below : XX/XX/2016. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.