WillisBack/dataset-financial-user-claim huggingface dataset:
I used Ebay to buy an item. I never received and email seller. Item never shipped per XXXX. I called them to confirm. Seller stated item came back to him damaged but never wrote me. By the time I wrote him I had to buy item locally. I submitted a complaint via their site weeks ago to PayPal. I called after some time passed and was told I would be refunded on XXXX. Never happened. I tried calling twice - both XXXX and XXXX - and sat listening to a recording looop over and over telling me to go to their site for " claims '' The Claims portion of the site tells you NO INFO. the text is tiny and is basically a run around. PayPal states " they have your back '' and seem not too. All they have to do is call XXXX or track the ship # the shipper gave. It NEVER LEFT the building. It never was returned " damaged ''. My money is in limbo for over a month. 

Thank you, XXXX Transaction Details XXXX XXXX Payment Sent ( Unique Transaction ID # XXXX ) Shopping Cart Contents Qty Item Options Price XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX XXXX '' With XXXX ( Price Is For Pair ) Item # XXXX {$15.00} XXXX Amount {$15.00} XXXX Order Description : Shopping Cart Item Total : {$15.00} XXXX Sales Tax : Shipping : {$6.00} XXXX Seller discount or charges : {$0.00} USD Total amount : - {$22.00} XXXX Fee amount : {$0.00} XXXX Net amount : - {$22.00} XXXX Date : XXXX XXXX, 2016 Time : XXXX XXXX Status : Completed Shipping Address : I took this out for complaint transfer to CFPB! 
United States Confirmed Help Payment To : XXXX XXXX XXXX The recipient of this payment is Verified ) Seller 's ID : phin-rich Seller 's Email : XXXXXXXXXXXX XXXX Type : PayPal Funds Funding Source : {$22.00} XXXX - PayPal Account Tracking Number : XXXX Help Carrier : XXXX Order Status : Shipped ( XXXX XXXX, 2016 )
I fell behind on my mortgage due to job loss in XX/XX/XXXX. My loan was sold to Carrington Mortgage in XX/XX/XXXX. When I started working in XX/XX/XXXX after I received my first check in XX/XX/XXXX, I called to set up payment arrangements that by my calculations would have had me not only caught up, but ahead on my mortgage by the beginning of XX/XX/XXXX. The person I spoke with, told me this was impossible, my account was " locked '' against partial payments and that they would only accept the full amount due at that time. They also advised me to try to get a mortgage modification. I agreed to attempt the modification and awaited the paperwork. They paperwork did not arrive until XX/XX/XXXX. I was denied for repayment or modification. I received a general collection call from them regarding my account in XX/XX/XXXX, where I was told by the representative that my account was not " locked '' and that payments ( partial ) could be made, it's just that she wouldn't be able to take it over the phone I would have to send it in via mail or wire transfer it, but also that the lock could go on my account at any moment, she also said to try again for a modification, which I did. The paperwork came in XX/XX/XXXX and I was denied in XX/XX/XXXX. I called with someone on the phone with me to attempt to speak to someone in the Modification dept. The first time I got through, but when I called again the next day with more questions and concerns I was denied contact with the Modification dept and the rep stated because they spoke with me the day before they would probably not take my call. She did not attempt to transfer me. I applied again for a modification and have again been denied, I've attempted to make payments, the first was accepted the second rejected. The reason they have been denying my repayment requests is because they say it will take more than 6 months to repay the past due, and I keep trying to show and explain that it would NOT take more than 6 months, I can have the deficit cleared and my account completely in the black in 6 months and it would have been cleared if the person I spoke with in XX/XX/XXXX had been truthful with me. I have friends that are able to assist with my basic needs while I meet this past due obligation, but there's no way to list or count that as " income '' I was told by the rep because their assistance wouldn't start until I was approved for the modification and was making payments. Carrington Mortgage is refusing to work with me to help me stay in my home they are only offering deed in lieu of foreclosure and that is not what I want. I am willing to accept any assistance to stay in my home.
I 'm being harassed by a lender who both charged me fees/interest I did n't expect and also would n't stop charging my account despite calls/emails. I also have received threatening emails and calls, but no actual paper work despite appeals for information in writing. I also submitted a formal letter asking for information when i lost my job, but no information was provided.
I have a delinquent account that has now shown up on both by XXXX  report and Experian Report. I have no record of any account that I personally opened with XXXX XXXX that would be delinquent.

The amount that is now showing up as a negative Pay Status is for {$2400.00}.

I've filed disputes twice with both XXXX  and Experian and they have left the derogatory comment on my reports stating the information has been investigated and is correct. I've never been contacted or again have EVER had an account with XXXX XXXX in the past 7 years.
I received a payday loan from Advance America. Loan # XXXX I've contacted them 6 times to explain I DO NOT have enough funds to cover this loan. They WILL NOT respond. They keep telling me they will call or email and they never do.
Attempted to get the debt verified from FCO. Sent several letters to FCO the collection agency requesting the proper documents. When FCO would only state that the debt was accurate. We went to a lawyer you gave us insight into the law regarding the collection in Maryland regarding apartments putting collections on people 's credit report. We then again sent letters to FCO with the new information gained from the lawyer and found that the collection agency was again still breaking the law and was in violation of the Fair Credit Act. We then sent letters to the Credit Agencies where they removed my husbands collection but not mine. What do I do now?
On XX/XX/XXXX I submitted a request to XXXX XXXX XXXX XXXX through their email address " XXXXXXXXXXXX '' inquiring about how they came to be the servicer of my loan when I was not disabled, had never alleged I was disabled, had no knowledge of anyone who would report me to be disabled. I asked them for the name of the agent who reported to them that I was disabled. 

I also informed them that while I had received a notice of transfer of servicing from XXXX to Nelnet in a letter dated XX/XX/XXXX, I never received any notice of transfer from Nelnet. 

I did receive a notice of a change in account number from Nelnet dated XX/XX/XXXX, however, according to the record on Federal Student Aid NSLDS that I just recently found, Nelnet was reportedly the servicer since XX/XX/XXXX, while I had been making monthly payments to XXXX since XXXX until XXXX. This could explain why my balance did n't go down. 

I also reported to Nelnet that I did not receive a XXXX for XX/XX/XXXX or any statements at all for XXXX or XXXX of XX/XX/XXXX. I am about to file my XX/XX/XXXX taxes and need the form. 

I received a letter yesterday ( XX/XX/XXXX ) dated XX/XX/XXXX which simply enclosed a copy of my consolidated promissory note, and a note " Just know that we 're here for you when you need us ''. This is not very helpful. Finally, the consolidated promissory note they enclosed is being disputed because the underlying loans that XXXX XXXX XXXX, XXXX consolidated, were not known to me and XXXX the guarantor has not been able to provide me with any loan documents of them.
on XXXX XXXX, I requested to Negotiate this debt and I have yet to get a response
I received an e-mail ( attached XXXX from XXXX XXXX indicating that I had placed an order for {$2500.00} for a camera to be shipped to XXXX XXXX in XXXX. I placed no such order and do n't know who XXXX XXXX is. There was no account number on either the e-mail or the receipt, just that it was paid by a credit/debit card. I contacted XXXX and received a response XXXX attached ). Apparently an account was opened with Discover that I know nothing about. A few days later I received a check for {$1.00} from Discover ( with no account number or other identifying information ). I shredded the check.
on XX/XX/XXXX my wallet was stolen with all my credit cards. On XX/XX/XXXX I notified XXXX XXXX all my credit card companies. My credit card tomorrow all reissued. All my credit card companies are still reporting to all The credit reporting agencies except for one, First Progress XXXX. I have allowed adequate time and have kept checking my credit file for them to update the account which was XX/XX/XXXX. It still has not updated on either of the XXXX credit reporting agencies. I contacted First Progress today and ask them why it is not reporting to the XXXX credit reporting agencies they responded it is reporting. I indicated I have checked and I would check with them while I was on the phone with them I confirmed neither XXXX XXXX nor experience shows an open account with First Progress XXXX. It shows closed accounts with them. They asked me to provide a copy of my credit report them I said the burden of proof is not mine but there 's the credit card agreement with them is that they are to report to the credit bureau 's. I filed an escalation claim with them. So now I 'm afraid that I 'm going to suffer the same detrimental effects that I have with XXXX XXXX for nine months I 've been struggling to have them repair the same issuue! To no avail! so again it 's going to cost me money and time to remedy the problem or error that is not mine. Please help me in resolving this matter. Time is of the essence! 60 days is not required or acceptable to resolve the issue it 's adversely going to affect my credit and my health. again, I went through the same thing and I 'm going to the same thing with XXXX XXXX will buy the state and they have kept on stating the same thing we fix the issue and it is reporting to your credit report and it is not reporting to echo fax with XXXX XXXX now with First Progress it is not reporting to any of the XXXX credit reporting agencies they stay it it is I reviewed all three and is not reporting to any of the XXXX. I do n't have access to print all three I can view all three through an app on my phone. I will attach what I can through your website. It 's a secured credit card. XXXX
Second complain I have been trying to resolve mortgage escrow act since XXXX, XXXX after previous issues with lender ; my loan amount was corrected on XXXX XXXX, XXXX and current ; now after trying to resolve an escrow dispute lender has decided to avoid correction previously made and increment my loan amount for amount I do not owed.
I have a loan with XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payments on mycredit report. As you can see, I have always had a stellar payment record with these companies. TransUnion only reporting me late. There was definitely an error on their part. I was never 30 days lates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I have had credit card with XXXX XXXX - XXXX XXXX XXXX XXXX and over 12 months I have earned cash back of {$360.00}. XXXX XXXX stated that check in amount of {$360.00} was mailed to me in XX/XX/2018 but I did not receive the check. When Ive called to see what is happening they said that check was mailed and they can not issue me another one. Since original check was not cashed and I did not receive it I do not understand what is the issue and why I can not receive my money from cash back.
RE : Unverified Accounts I recently filed a complaint on Experian and their response was : The are in the process of contacting the data furnisher ( s ) and/or public record vendor ( s ) as needed to verify the accuracy of the information with which I disagree. 
They also advised to contact the creditor directly at the addresses provided on my personal credit report They also sited that : According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the source of the disputed information and informing them of all relevant information regarding the consumers dispute My complaint was to simply to inform them that after reviewing it I found a number of items on the report that are Unverified. I asked that they send me copies of the documents that they have in their files as of this date that they used to verify the accuracy of the accounts. 

Under the Fair Credit Reporting Act, 15 U.S.C 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their files at the time of this request concerning the accounts that they are reporting in my credit file. I need copies the documents that they should have readily available in their files that were used to verify the accounts. If they do not have any documentation in their files to verify the accuracy of these disputed accounts to please delete the immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( 1 ). By  publishing these inaccuracies and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness. 

Under the FCRA 15U.S.C 1681i, all unverified accounts must be promptly deleted! Therefore, if they are unable to provide me with a copy of the verifiable proof that they have on file as required by law for each the negative accounts listed on my credit file then you must remove these accounts from my credit report. They should not have to obtain information from any other agency as they should have these documents on file as they have told me on many occasions that the accounts they are reporting are verified.
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 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
I received a notice from Superior Court of California regarding XXXX XXXX XXXX. 

I don't know who this company XXXX XXXX XXXX is as I never had an account with them. The notice says it's collecting for XXXX and I also never had an account with XXXX.
Company stated they did not get the XX/XX/XXXX payment Discontinued online payments that were made because of security problems they stated XX/XX/XXXX XXXX XXXX account XXXX check # XXXX XX/XX/XXXX Phone Payment to XXXX confirmation # XXXX {$400.00} XX/XX/XXXX Phone payment confirmation # XXXX XX/XX/XXXX XXXX XXXX  Confirmation # XXXX XX/XX/XXXX XXXX confirmation # XXXX XX/XX/XXXX XXXX confirmation # XXXX XX/XX/XXXX XXXX confirmation # XXXX Called and was told I owe over {$500.00} this month in addition to monthly statement amount. 
I am constantly being charge {$18.00} every month. 
XX/XX/XXXX bill {$860.00} with {$18.00} late fee XX/XX/XXXX bill {$890.00} with XXXX late
I was a victim of identity theft. XXXX XXXX XXXX are trying to collect a debt that I do not owe. XXXX received my information from Exeter Finance Corp.
I have been contacting Transunion via mail and phone and online for the last 3 months about unauthorized inquiries. At one point they were removed and put back on and I was not notified within 5 days of that happening. The last time I called the guy said nothing could be done for inquiries over 6 months old, I told him these inquiries are shy of it by days. He would not put in dispute again.     I notified him that these items reappeared after the company BREACH and he said that they were not looking at items dated over 6 months.
In XX/XX/XXXX/XX/XX/XXXX I received a statement from XXXX and paid off the balance, as far as I was aware the account was paid off at that time. For whatever reason ( which I now believe to be fraud ) XXXX continued to take {$100.00} per month for 4 years from a banking debit card. At some point my debit card was compromised at another store and I was later called by XXXX asking why a bill was n't being paid. At that time I was shocked to hear that I owed XXXX anything and requested more information and an investigation about why or how I owed any bill. After being told by a XXXX representative that there were no purchases made on the account I requested that the monies be returned to me which XXXX initially agreed to do but then did n't. Later I found that the bank reported the derogatory information to my credit bureaus. I then spoke with several people at the bank for several hours and ultimately got nowhere. I ask XXXX to show what was bought within the last 5 years and the bank confirmed that no purchases were made during that time. I never found out where the {$100.00} monthly payments were going 4 years after I made my payment in late XX/XX/XXXX early XX/XX/XXXX. Now I am left with a derogatory mark on my credit for a debt I do not owe and actually should be receiving a refund for. I requested XXXX to delete the derogatory account from any and all credit bureaus and to refund me the {$4800.00} that I overpaid them ( {$100.00} per month for 4 years. ) If this issue is not fixed I will be forced to hire an attorney and sue XXXX for the egregious error they have made on my credit record. I had no derogatory information listed from XXXX on this account ( no late payments, no charge off listing, no settled account ) before this issue arose. This is the last time I will make this request before I pursue a legal remedy.
XXXX was my loan servicer and it is now Mr. Cooper. The official Notice of Servicing Transfer letter is dated XX/XX/2017. It indicates the servicing of our mortgage loan ( no dollar amount was listed on the Notice of Servicing Transfer ) was being transferred effective XX/XX/2017. I have a copy of this letter. 

I have read in The XXXX XXXX online that : " ... [ Y ] our old and new servicers must notify you about the transfer of your servicing rights no less than 15 days before the effective date of transfer. If you never received the servicing transfer notice, you can also file a complaint with the CFPB online. '' In our case we did receive notice, but a week or so AFTER it occurred. In my opinion this does not conform to federal regulatory requirements governing the transfer of mortgage loan services from one business to another as I have read and understood them.
We received a letter from Wells Fargo Auto Finance stating that we have paid in full and satisfied the requirements of our Auto Loan, however they are reporting our loan as transferred and charged off instead of paid in full for the original account. Wells Fargo transferred the loan within their own company after the loan has been already satisfied. The loan has negative impact on our credit report and the bureaus refuse to change it after we have provided proof of a Wells Fargo Letter stating the original loan has been paid in full and satisfied under the original conditions before Wells Fargo did an internal transfer of accounts.
XXXX has been non-compliant with removing the unverified account WELLS FARGO DLR SVC/ which has been deleted by XXXX and XXXX . XXXX   and XXXX have both completed their research and determined that WELLS FARGO DLR SVC/ was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Recently I found out that there is a judgement against me from XXXX XXXX. It is showing under the pubic record of XXXX XXXX that I owe them the amount of {$9000.00}. I have no knowledge about this and i do not recognize this amount.
I recently was sued by a debt collection agency called XXXX XXXX about a debt they claimed I originally owed to XXXX, XXXX. This notice was served XX/XX/XXXX. I was never properly notified via mail by this agency prior to this about any attempt by them to either collect a debt or given the opportunity to dispute the validity of the debt. After receiving the court summons, I have tried numerous times to contact this company by phone in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Since I never received a debt collection letter from this agency, I was unable to send a dispute letter to them to dispute the validity of this debt.
Over three weeks ago I sent Equifax a dispute letter letting them know that the information reporting on my credit was not accurate and I needed them to provide me the documentation they have on file for Chapter XXXX Bankruptcy Case number XXXX. Equifax responded a view weeks later with a new credit report, and in the report they stated that they have validated the information for the Bankruptcy with a 3RD party XXXX! This had me a bit confused because about 3 weeks prior I had put a Security Freeze with XXXX! to make sure no one was using my information with out my consent. So I called XXXX to confirm that Equifax did indeed reach out to them to verify the account. It was told to me that they were never contacted by Equifax and they provided me a copy of the Security Freeze I requested. So I sent Equifax a another dispute asking why they provided me with this false information. Section 609 protects me against false reporting.