WillisBack/dataset-financial-user-claim huggingface dataset:
To whom this may concern, my name is XXXX XXXX XXXX and i have recently been a victim of funds stolen from my Bank Of America account via several ATM withdrawals as well as thousands of dollars worth of purchases of online merchandise. As soon as i became aware of suspicious activity i immediately notified Bank Of America. i was instructed to file a police report which i did. upon my own investigating i even went as far as identifying the alleged culprits. as far as revealing the culprits as my own daughter and closest friend. as i was told by a bank of america agent, if i were to file a police report with full and utter intent to prosecute, then my funds would be replaced into my account. well i have done everything that i am supposed to do to my understanding and i currently have multiple theft claims with BOA that have all been denied and the reason that BOA continuously gives me is that they have come to the determination that they feel that due to the fact that a small portion of the stolen funds were via ATM withdrawal that a fraudulent claim is highly unlikely. ok. that is understandable but it seems that the bank is choosing to focus solely on the UNAUTHORIZED ATM withdrawals and seemingly ignoring the majority of the theft which are thousands of dollars worth of unauthorized purchases byalleged culprits which i can and will name as XXXX XXXX XXXX as well as my own blood daughter XXXX. i have followed proper protocol pertaining to Bank Of Americas instructions and still after all of my complete and utter compliance Bank Of America has still yet to replace my stolen funds. I am reaching out to you for help. I am completely willing to do whatever i have to do to have my funds reinstated. i have mor than taken the first steps by identifying the criminals and have filed a report with the authorities. please contact me with some sort of information. because all i want is to have someone to hear my case and replace my stolen funds. Bank Of America is of no help. all i want is justice. please someone contact me. i honestly feel as though i am being underestimated because i am sufferer of mental illness. i am reaching out to you for help. I have copies of my police report. against my own daughter and my dearest friend. both of whom mutually conspired to steal funds from my account. i have had approximately XXXX unwillingly stolen from my account and all i am asking is for assistance in having those moneys replaced. i am a victim and am willing to do whatever need be done to have my stolen funds justifiably replaced. please please, i dont know where else to turn. please contact me as soon as possible at phone number XXXX XXXX XXXX email XXXXXXXXXXXX home address XXXX XXXX XXXX XXXX va XXXX please get back to me if for nothing else then for enlightenment. as i said before i will legally comply in anyway necessary so that either justice can be served and or i can obtain closure. i highly anticipate your call. please help.
Western Union allowed an account to be set up in my name, and funds transferred by a named person in XXXX to another named person in XXXX-neither of them me. I have been on the phone for hours with them and they have been terrible - I had to send the police report several times, and then start again every time I called back - hours of wasted time! Always saying to be patient, they were working on it, and would contact me shortly. 
They NEVER called me back, and after another hour on the phone with their Fraud Department today, they informed me I am not ELIGIBLE to receive my money back! 
The thieves took {$440.00} out of my Checking Account at XXXX XXXX XXXX XXXX on XX/XX/18. I didn't catch the Western Union transfer until a meeting with my accountant in XXXX, so the bank insists I missed their window of opportunity to help with the fraud. Western Union asked that I close my account to avoid further fraud, but I NEVER had an account with them to begin with!
Affidavit of Denial XXXX XXXX XXXX XXXX XXXX XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX XXXX XXXX. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XX/XX/2017 I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with XXXX XXXX XXXX that authorizes you to collect on this alleged debt The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Thank You, cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX
Company : ProCollect Pro-Collect purchased my account from XXXX ; however, XXXX falsely reported my account as XXXX ( XXXX ) accounts, not XXXX ( XXXX ). Original account has a closed status. 
XXXX XXXX XXXX, Customer Service Rep at ProCollect, verbally told me over the phone that the account was duplicated. ( XXXX contact information at ProCollect : XXXX phone XXXX ext. XXXX ). XXXX XXXX also told me that once I make settlement payment, the account AND duplicate would be deleted from my credit bureau records. 
XXXX account was deleted from XXXX ; however, the other XXXX major Credit Bureaus : XXXX and XXXX, still reflect an outstanding balance. 
Double reporting the same debt is in violation of my rights per the FCRA. 
I want the ProCollect items pertaining to the XXXX account deleted. This debt has been met and satisfied per the FCRA
In XX/XX/XXXX, I was " sold '' a medical line of credit by my dentist called " Care Credit ''. The line of credit was for a dental procedure for my XXXX children. This was the only charge ever on this account. It was opened specifically for this procedure. I was told that the credit was interest-free for 12 months. I have paid the full, original charge. Today, XX/XX/XXXX, I was notified via email of a {$9.00} late payment. I called the credit card company, now called Synchrony Bank, and ask them why I was late? According to them, I still owe XXXX {$300.00}. As it turns out, my card is not actually interest free for the first twelve months, but interest deferred. Therefore, I am now paying the accrued interest for the first 12 months at almost 30 % interest. That is the only amount I owe. I requested that they charge me interest on the portion of the monies owed to them after the initial 12 months interest-free period expired, not the original 12 months since the card was sold to me as 12 months interest free, but they refused. Every month I am emailed an invoice summary telling me just the amount that is owed and the minimum payment due. Nowhere on these emails does it show that the interest is accruing over the first 12 months and will be deferred. I also spoke to a supervisor. The supervisor told me that it is my responsibility to login to their web site XXXX as their emails do not have any information on the deferred nature of the interest ) in order to read their terms. I told her that expecting to log on to examine changes from what was sold to me is not transparent behavior. She told me that I should not have signed up for online statements because I would have otherwise seen the deferred interest accruing on the paper statement. She also called the first 12 months interest free while I was on the phone with her and then went on to say that on the XXXX month I was charged the deferred interest. I explained to her that interest free and interest deferred are XXXX different things, but she insists that what they are doing is the same as interest free. The supervisor 's name is XXXX with ID # XXXX.
This company continues to report incorrect information that has been discharge and can no longer report on my credit file. I have attached supporting documents.
In XX/XX/XXXX I was in a position where I decided it was a good time and I was stable enough to take out a car on payments. It is my first time making payments on a car. However, I became XXXX and due to some unforeseen circumstances I moved to another state. Homeless and jobless. I found a job about a month after moving to Michigan and quickly realized it was not what the job description had stated it to be. I was getting less then 20 hours during 2 weeks. I was struggling to keep myself above the water financially. XXXX I was fired. The amount I was paying to the leasing company and car insurance did not leave me any remainder to look for a place to live and I have a baby coming shortly. It is not easy looking for a job at 6 months pregnant. However, I quickly after being fired found another job at XXXX. I am currently employed and working around 25-35 hours a week. Still the amount I take home is not enough to pay for the basic living expenses and save for a baby and a car note and full coverage insurance. I am stuck in a bind. I have called the company several times asking for a temporary suspension or if I can return the car and pay the early contract fee or lower my payments for a while or continue without full coverage insurance. On their website it is posted that in their lease program you are not required to have full coverage insurance but I am required. Also when I leased the car the agent told me I had a return any time lease with no expenses. I was also told when I called in that I had the return any time lease. When I called to turn in my car all of a sudden that changed and I no longer have that option. In my copy of my contract it tells me I can return my car any time with no penalties. However, everyone keeps telling me that I have no options, managers and regular employees. If I miss my payment over 30 days they will come and take the car or if I return the car I am still responsible for the remaining balance on the lease. I am trying to pull myself out of a rut and I am trying to do it the right way but I do not make enough money. I do not know what to do. I can not afford a lawyer to help me. I am on my own.
Hello, there 's a huge issue with rushcard. Since XXXX Monday most customers including myself have n't been able to access their money. direct deposit are not posting, accounts are locked or blocked, accounts are deactivated ( including mine ). Ca n't withdrawal, transfer or make purchases. Rushcard had a maintenance update lasting until XXXX pst ( yesterday ) .The customer service phone number is providing inaccurate balances, saying the account # is wrong and now my account is deactivated When you select the prompt to speak with an agent the phone rings twice and hangs up. There is no alert or update when you call. payments are bouncing left and right for everyone. I ca n't take my daughter to daycare because all my money is tied up in the Rushcard. I ca n't go 2 work either. I 'm low on gas and food. There is no news or updates about this issue no ETA. We 're all being left in the dark. My direct deposit is suppose to hit tomorrow but from XXXX other customers, it sounds like that may not post. I do n't have the luxury to have extra money in hand. My fiance and i are living paycheck to paycheck and rushcard is making it very hard right now. Rushcard is n't going to help me if I lose my job for missing to many days of work..
On XX/XX/2016, - a notice of direct dispute was sent to your agency with regard to the above numbered account for XXXX XXXX XXXX. Within that notice it was specifically delineated that Exeter Finance is reporting inaccurate information to all XXXX Consumer Reporting Agencies ( XXXX/XXXX/XXXX ). Particularly, the dual reporting of a single numbered account ( see above ) ; the inaccurate reporting of monthly payment amounts received by Exeter Finance ( XXXX statement-see attachment # 1 ) ; and the inaccurate 'amount owed ' from receipt of said payments. 

2. On XX/XX/2016, - Exeter Finance acknowledged " an update was required for the information reflected '' on each Consumer Reports ( Exeter Letter-Attachment # 2 ). However, upon subsequent review of Exeter Finances reporting -- XXXX different postings of the same numbered account are showing ; and the inaccurate annotation of the 'amount owed ' from receipt of payments is still present ( See trilateral report-Attachment # 3 ). 

3. To date, Exeter Finance has received payments totaling {$2900.00}, which were to be applied wholly to the principal of the original loan. The original loan amount for this numbered account is {$17000.00}. Therefore, the accurate reporting of said numbered account should be {$14000.00}. 

4. The Retail Installment Contract and Security Agreement ( Contract ), Sales Agreement Section states, " You promise to pay us the principal amount of {$17000.00} plus finance charges accruing on the unpaid balance at the rate of 26.00 % per year from the date of this Contract until paid in full. Finance charges accrue on a 365 day basis '' ( Contract-Attachment # 4 ). However, on each monthly billing report it states that the finance charge has a " daily '' accrual. This directly violates the terms of the signed contract. 

5. Title 16, Chapter 1, Subchapter F, Part 660 expressly prescribes the 'Duties of Furnishers of Information to Consumer Reporting Agencies : 660.4 ( e ) Duty of furnisher after receiving a direct dispute notice ... ( 4 ) If the investigation finds that the information was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.
I disputed the lates that were on my credit report from all the bureaus XXXX, Experian and XXXX. All three have not removed the late from XXXX XXXX after being provided proof.
On XXXX I spoke with a supervisor with Paypal by the name of XXXX and during this Call XXXX set the expectations that funds would be released to myself to assist in shipping cost as the buyer at the time of purchase is made aware of the cost of shipping and upon the completion of the transaction they agree to the payment to include the cost of shipping. Paypal upon completion of the transaction thus holds the funds as well as the shipping cost at that time they blame XXXX due to their policy under the funds availability program. Nowhere in their terms and conditions does it mention the funds availability policy the closest terminology they reference is " Holds '' under the table of contents, upon reading the user agreement it states " To protect XXXX from risk of liability for your actions as a seller, XXXX has at times recommended, and XXXX continue to recommend, that PayPal restrict access to funds in a seller 's PayPal account based on certain factors, including, but not limited to, selling history, seller performance, returns, riskiness of the listing category, transaction value, or the filing of an XXXX Money Back Guarantee case. This may result in PayPal restricting funds in your PayPal account. '' When calling back I spoke with a very rude XXXX in settings, security and payments by the name of XXXX whom was very aggressive and stated the other supervisor should have never made the request or commitment due issues related to the funds availability program. He early on in the conversation stated that XXXX placed the hold but during our conversation I kept referencing the statement in XXXX user agreement that they dod not have control of the account but can merely make suggestions to Paypal to release funds or not. Multiple commitments over the course of the past couple of weeks have been made and not followed through and when I call into their c/s team and make my way through all the reps and to management ; they take a very aggressive stance and always state the other representative should not have set those expectations.
I HAVE DISPUTED THIS ACCOUNT NUMEROUS TIMES AND IT IS NOT RESOLVED. THIS ACCOUNT DOES NOT BELONG TO ME. I HAVE NOT EVER SIGNED FOR NOR AUTHORIZED AN ACCOUNT WITH THIS COMPANY OR THE COMPANY IT REPRESENTS. XXXX XXXX XXXX IS NOT MY ACCOUNT
I went to the government XXXX site : XXXX and was able to get my report from XXXX and XXXX, but when I tried to pull the Experian report the site came back with this message : We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX Request form. 
XXXX XXXX. XXXX XXXX XXXX, GA XXXX A web search yields many people complaining about the same issue w/ Experian. Why is Experian allowed to get away with this when the other XXXX bureaus comply? 

The other thing is this : Why is there not a way to request the report via secure fax or upload-why would I want to send my personal information through the mail and labeled such that anyone looking at it along the way would instantly know what is in the envelope and would be tempted to steal it-this is a terrible way for Experian to treat people 's personal information. If they are not going to allow people to get their personal credit report through the XXXX website, then they at least ought to have a secure up-load mechanism that people can use to request the information instead of having to put it in the regular mail. Why do you allow this?
On XXXX XXXX, XXXX, PayPal sent me a notice referencing Case ID XXXX and indicating that access to my PayPal account ( XXXXXXXXXXXX XXXX " has been limited '' until PayPal " hears back from [ me ] '' in regards to a PayPal account registered to XXXXXXXXXXXX that posts a negative balance of {$710.00} dating back to XXXX. I immediately called the PayPal collections department at the number provided XXXX XXXX ) to address the issue : I spoke with XXXX for more about thirteen ( 13 ) minutes and was instructed as follows : 1. The {$710.00} balance dates back to XX/XX/XXXX and reflects a reimbursement of unauthorized charges on my account that PayPal made to me, in anticipation of an eventual reimbursement by my bank in Pennsylvania ( which was investigating the charges ). 
2. A restriction has been placed on my current account ( i.e. I am unable to make any withdrawals ) until the {$710.00} balance is paid. Furthermore, PayPal threatened, in writing, to " use funds from any linked account to pay for any negative balance [ I ] may have. '' 3. PayPal promised to send me a " letter of debt validation '' in short order, but declined to provide details of the transactions in question ( in violation of 15 USC 1692 ( g ) Sec. 809 ( b ) of the FDCPA - as discussed infra ). 

The limitations Paypal has placed on my current PayPal account are illegal, constitute harassment and are actionable in a court of law for the following reasons : 1. The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. 42 Pa. C.S. 5525 ( a ). Besides the fact that PayPal is unable to provide me with documentation of the transactions in question, the debt in question is well past the statute of limitations. 
2. The Fair Debt Collection Practices Act ( 'FDCPA ' ) prohibits " abusive, deceptive, and unfair debt collection practices by many debt collectors, '' 15 U.S.C. 1692 ( a ), and any debt collector who is found in violation of the FDCPA is liable for actual damages & statutory damages not exceeding {$1000.00}. 15 U.S.C. 1692 ( k ) ( a ) ( 2 ) ( A ).
I am writing concerning my request that the above listed accounts placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. XXXX, Equifax and XXXX have willfully refused to acknowledge my request, using a stall tactic requesting MORE IDENTIFICATION INFORMATION. Yet they received all the necessary documents in my initial ID Theft Report. They also are disregarding FCRA time constraints on debt validation. 
THEY are all reporting XXXX XXXX XXXX XXXX # XXXX This is a loan that is not mine and never has been.
In XXXX I started trading XXXX using PayPal. I made many transaction that I will list with the amounts and dates. On XX/XX/2018 PayPal sent us an email notifying us that our account had been permanently limited with no appeal. They claim that I violated their Acceptable Use Policy ( AUP ). They claim that I am in violation for acting as a currency exchange/dealer because I had been trading bitcoin and using PayPal to accept payment. According to the IRS, SEC and according to the 11th circuit court in Florida judge XXXX XXXX stated that bitcoin is not currency, it is property. In the case, they referred to the Texas Department of Banking Memorandum and they stated ( " Exchange of cryptocurrency for sovereign currency between two parties is not money transmission. This is essentially the sale of goods between two parties. The seller gives units of cryptocurrency to the buyer, who pays the seller directly with sovereign currency. The seller does not receive the sovereign currency in exchange for a promise to make it available at a later time or different location. " ). The final ruling was ( " Counts 2 & 3 Should Also Be Dismissed as Bitcoin do Not Fall Within the Definition of " Financial Transaction '' or " Monetary Instruments, '' ). In the AUP and all of their legal documents they never classify bitcoin as currency. I have been debating this with them for the past 2 months and their response is " We see it as currency ''. The contract I signed did not state that and I believe that they have breached our agreement. After all of this happened some of the accounts that had paid us turned out to be hacked and subsequently issued charge backs resulting in a negative balance of XXXX dollars. PayPal went so far as to reverse outgoing transfers to my bank. My take on this is that they have breached our agreement and have had a security breach on their end and want me to pay for it. Additionally this has inhibited my ability to operate my business as well as causing other personal losses. 

Reversed Transactions : XX/XX/2018 : XXXX XX/XX/2018 : XXXX XX/XX/2018 : XXXX XX/XX/2018 : XXXX XX/XX/2018 : XXXX XX/XX/2018 : XXXX Total : XXXX I have receipts that can be verified through the block chain as well as logs from the site verifying the transactions. The currency has a very high value tied to it so I lost all of the roughly XXXX dollars I started with as well. Some of the transactions even had police reports attached because it is technically property theft. PayPal ignored all of this and reversed the payments. 

I have done everything in my power to reason with PayPal and rectify the misunderstanding. I have so far called their support line and talked to various PayPal executives to no avail. 

Any assistance you can render in this would be greatly appreciated.