WillisBack/dataset-financial-user-claim huggingface dataset:
Paypal is preventing XXXX XXXX XXXX from issuing to me a credit of {$500.00}. 
Paypal is dragging its feet since XX/XX/XXXX, and claiming that they have 75 days to resolve the matter even though XXXX XXXX has told Paypal on XX/XX/XXXX that XXXX has closed its investigation into the matter. 
The transaction was original processed by Paypal on XX/XX/XXXX.
I received a letter stating that I owe {$1800.00} from my business and I left multiple messages to ask what this amount is in regards to and I do not know what company that is being owed to. I even email the given contact information, no response in communication and can't get hold of a live a person. Only gives the option to pay. I received a second letter that if I do not pay by XX/XX/2018, further action by their office will take place. The collector claims on their letter that they try to reach me multiple of times, which is untrue since I am unable to speak to someone live, no party have emailed me back or return my messages.

I have not received any proof of statements what I owe and just a letter stating that I owe {$1800.00}.

Also, the business that I owned of which the debt collector is claiming Closed. I closed the business and no longer in business.
This complaint is in reply to the completely bizarre response I received from Bank of America to my last complaint filed through this website -  XXXX . While I could not have been more clear that my complaint was a direct result of  BOA 's  failure to provide a direct answer to a simple question from an earlier complaint, the company then replied  ( after nearly 4 weeks ) and said : " After reviewing your request we were unable to find a change in your situation, or unaddressed concerns. Given this circumstance, weve closed your reques ''. However the fact is that the entire complaint was about an 'unaddressed ' concern. If the CFPB is going to go through the trouble of having this website, it should not allow companies to blantantly lie in their responses to clearly communicated requests. If so, what is the point of the site in the first place? So, I guess I 'll try again, and this time, I 'll even be more clear ( as if that  's possible ) : Dear BOA, HERE IS MY SO-CALLED 'UNADDRESSED ' CONCERN : you have failed to answer a simple question regarding BOA  's ownership of my note and mortgage, OR the j udgment debt that resulted from the alleged default on my home loan. HERE IS THE 'YES OR NO ' QUESTION ONCE AGAIN : HAS BANK OF AMERICA  XXXX  OR ANY OF ITS SUBSIDIRARIES, EVER OWNED THE NOTE AND MORTGAGE THAT APPLIES TO AND SECURES THE LOAN ON MY HOME, OR HAS BOA EVER OWNED THE JUDGMENT DEBT RELATED TO SAID L OAN? For the purpose of answering this, I 'm NOT asking if BOA has ever 'serviced ' said loan. I understand you have already answered that you have not. Please do not treat this as a similar request. It is not. Please answer the simple question above with either a 'yes ' or a 'no '. If yes, please provide specific details as to when the note and mortgage were acquired, and if BOA  continues to own said note.
On XX/XX/XXXX, 3 fraudulent checks were cashed for {$900.00} ( {$2700.00} ).  When I got my statement and saw this, I reported to Chase fraud, they admitted my name was spelt wrong and clearly not my signature on checks and I was told to close my acct. the next day I tried to do so, but was told I had to wait for the investigation to finish. I was allowed to w/d {$480.00}. On XX/XX/XXXX I tried again to w/d my funds, and was told only {$700.00} was deposited and I could not have it until THE FULL AMOUNT was refunded. I then was traveling ( WITHOUT MY TRAVEL MONEY ) and when I tried to close and withdraw my money on XX/XX/XXXX I was told I again no, and left my number. I was never contacted and XX/XX/XXXX went AGAIN withdraw my funds, my account was at a zero balance. Im currently waiting to hear from Chase on this matter.
On XXXX XXXX, 2012, I opened a secured credit card with Bank of America, and made a deposit of US XXXX XXXX dollar. I was told that once I used the card for one year and repay it as though it was an unsecured card I would be issued with a credit card from the bank. Upon using the card I later notice that I was being charge interest on the money I deposited. I was not pleased about it so I requested for the card to be closed after using the money that I had deposited. I later discovered that Bank of America reported the account to the credit bureau. I am puzzled as to why, because the money I used was put on the card by me. I have made several attempts to have them remove this item from credit report which they have ignored.
Southwest Recovery is not licensed in the state of MS. Southwest has made repeat phone calls. Southwest is in complete violation yet they have not ceased.
I have been sued by XXXX on behalf of XXXX XXXX. He has not provided correct and accurate documentation especially with regard to what the charges on the card were for and when they were incurred. I have fought this every step of the way but to no avail. He now is asking the local court for an arbitration but what I do n't know.
XXXX show up on my credit history ( XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit. 

XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry it should only been one inquiry which it was on the XX/XX/XXXX XXXX  ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry Brclysbank de ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX/XXXX ( XXXX XXXX, XXXX XXXX ) do not have any knowledge of this inquiry
Select Portfolio Service and XXXX XXXX XXXX are debt collectors who has for the last three years lodged threats to physically arrest, cause harm, seize, dispossess, disable assets and other personal property of the Consumer, his estate and family. SPS and XXXX has manufactured, fabricated, counterfeited monetary instruments bearing the consumers Identity without authorization and consent. Identity Theft is a crime and thus has been reported to the FTC and Home Land Security by complaint. SPS and XXXX was ordered by the Consumer to Cease and Desist all physical, terroristic threats against the consumer, but has only increased its criminal harassment and has filed multiple non-judicial actions in incompetent court who lacks jurisdiction over federal question. XXXX has misrepresented the face value of certain foreign instruments bearing the consumers name by more than $ 350XXXX. XXXX attempts to benefit illegally from the consumers identity on forged instruments they are not entitled too. XXXX and SPS poses a serious physical harm to the consumer and the consumer feels threatened that it will continued to be imprisoned and arrested by its illegal, unlawful acts. 
BWW is sole driving force behind the assault of the consumer and fails to respect the sovereignty of the consumer defined in XXXX XXXX XXXX. The federal and constitutional laws XXXX and SPS continues to violate is of significance. XXXX appears to disregard the preemption, Supremacy a consumer has over any state laws. Yet, XXXX acts as if it above federal law while engaging in interstate commerce for illegal purposes. XXXX and SPS was Ordered to pay actual damages in the amount of XXXX Dollars pursuant to 1692XXXX XXXX. This Administrative Action is to document and record with the consumers federal Agency, the Decree issued in compliance with the sovereign power inherent in the consumer to govern its debtors. XXXX and SPS must file a timely response which must be in accordance with the FDCPA, 1692 ( c ) ( c ) ( 1 ). This Foreign Judgment of the consumer will be enforced by Judicial Review in a duly constituted court, if the consumers demands are not met. XXXX and SPS must immediately cease misrepresenting a Trust, Deed or other arrangement with the consumer, as such relationship does not legally and lawfully exist. Even if it did, it is, now, and previously terminated with prejudice.
On   XXXX   I went through the various screens and specified, first  XXXX , then Equifax, but in each case at the last screen where it said it was getting the report it said that I could n't get it online and would need to mail to an address they provided. This is misleading when it was advertised as providing an online report!
I made several attempts to CA via returned receipt to validate this debt. I have not received any response from my attempts to CA to verify this debt but they continue to report and collect on this. 
They have violated my rights.
There is a credit card showing up on my credit report which is not mine. I have never taken out a Capital One credit card. Please help
I bought my family from 2006 and iwas given a loan by XXXX XXXX XXXX {$80000.00}, I told the broker I am receiving SOCIAL SECURITY {$600.00} per month XXXX due to XXXX. 
I was told my monthly mortgage is only {$1600.00} .The loan was negative ARM.When it started to increase the payment it was harder and harder for me to pay and i ask for modification, I was told not to make payments for 3 months to be able to qualify for modification for the meantime my loan is getting to the point that i exhausted all efforts to make payment .Nationstar mortgage LLC took over the servicing and colecting the mortgage payment but while on the process of modification Nationstar mortgage forclose my property by XXXX A LAW CORPORATION FOR BANKING INDUSTRY address XXXX XXXX XXXX, XXXX XXXX XXXX, CA,XXXX, XXXX XXXX and sold my property on trusstee sale XX/XX/XXXX.I beg to them that i have people helped me to save my property but they never gave me a chance. telling me I am allready forclose.On XX/XX/XXXX I filed for bankruptcy Chapter XXXX, again the BK is on process and the was trustee continued to auction my property. .I send a written request to give me the original copy of my property DEED OF TRUST, TRUTH AND LENDING ACT AND THE NOTE AND SECURITY INSTRUMENT, I have the physical possession of said documents in my name XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX ..As of now I have not receive a response from XXXX. 
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I received a phone call on Friday XX/XX/XXXX around XXXX. A debit collection company supposedly representing XXXX XXXX Company. The person I spoke with explained I have an over due bill for the amount of XXXX $ I explained I never received a bill or a phone call. I said there is no way my electric bill could be so high. I asked for a copy of the bill. The person said oh that will take a few weeks to receive a bill. How so?? The person said well I can try to dispute the bill if you want me to. I called XXXX XXXX and explained everything, they said it's a scam. I also contacted the real XXXX XXXX Company and cancelled my account which I had since XXXX. I had an idea and called the fake collection company. It took to phone calls to convince them to send me an email of the bill. Of course they had an excuse after excuse saying well we really aren't supposed to send emails. Really since when?? Today I received a collection letter in the mail. There is hard evidence to prosecute these individuals that are responsible. I have the email with the bill, a hard copy of the bill, and voice mail. Hopefully this will be helpful. Thanks again. XXXX XXXX XXXX XXXX.
Belk credit card services, Synchrony Bank, has a billing window- after the billing date, and before the payment due date approximately 20 days later- where any payment made will count as your monthly payment. Any payment made outside that window will apply to your account, but will not count as your monthly payment, allowing Synchrony Bank to charge a {$35.00} fee for a missed payment. There is never any notice of this charge, and since it is not actually a late payment ( in excess of 30 days late ), there is no mal reporting to the credit bureaus that would alert a person to the late payment status. 
I have made XXXX payments in the past 12 months totaling {$1000.00} on a revolving credit card with a limit of {$1000.00} that usually has a balance of $ XXXX and I have incurred XXXX late fees of {$35.00} each totaling {$240.00} for payments made outside the payment window. I was never notified of these late payments nor of the fees. I would have never known if I had n't called to see why my balance went up after making a payment. I have had this account for several years and have never known of this sneaky extortion.
the information for EQUITABLE ACCEPTANCE COR is incorrect. There is no balance due and the account has been paid in full. This was an agency helping me with my student loan. The service was canceled and no further payments were due.
I mailed in a dispute letter to all 3 credit bureaus for XXXX XXXX   XXXX to verify that the account belongs to me. They sent me a credit report with no verifying documents, just saying verified. They have yet to send in any proof that the account belongs to me, instead XXXX has made my score drop and my payment history drop. It said one late payment and now it has 8 late payments, ruining my credit and making it hard for me to get approved for things because of this account. XXXX took the late payment ( 1 ) off..made it current then changed it back to late and dropped my score 10 points..they did this twice in one day for a total of 20 points! Today I was notified that it changed to 8 missed payments! Their customer service is horrible to talk to, you can never get anywhere so that's why I went the route of contacting all 3 bureaus and they still didnt resolve the issue and instead of navient verifying the account all they did was add late payments and ruin my score more!
The equifax data breach is the most egregious in US history affecting more than half of the country. I first read about this breach in the news, went to the equifax website to see if I was affected -- which I was -- and then afterwards see reports that simply checking this information may make me ineligible to collect damages!? This is simply evil! And then to hear equifax executives knew of the breach **for a month** before acting, giving them time to cash out their stock? Outrageous!!
The US federal government **must** act in severely punishing those involved and preventing this situation from ever happening again. Equifax should be completely dissolved as a company. This data breach is in clear violation of both the Fair Credit Reporting and the Financial Monetization Acts, and as a consumer I fully expect swift justice.
all 3 bureaus have not investigated XXXX XXXX XXXX on credit reports
XXXX XXXX, sent an amount of {$220.00} to EOS CCA XXXX. XXXX  XXXX XXXX Ma. XXXX, They are a collection agency. this amount they say I owe was a company acct. for my company cell phone. I quit working for this company in 2013, but XXXX turned this amount over to the collection company in my name instead of contacting the company that the cell phone acct was linked to. I have been trying for over 5 years now to get this off my credit report, I have the company name address and a contact person, I gave to EOS CCA, But they never contacted anyone other than me.
I do not have a contract with Franklin collection. I am not liable for this collection due to not having a signed contract with Franklin collection. I am not responsible for this debt
XXXX   XXXX  Credit Card is reporting incorrect contact information on all  XXXX  CRA 's. Dispute letter mailed to  XXXX   XXXX  at the address listed on all   XXXX   reports   XX/XX/17    . This letter was returned " un-deliverable ''  XX/XX/17   . Photo copies of the letter showing the United States postal service could not deliver the letter along with a letter requesting the information be removed due to inaccurate reporting to all   XXXX    bureaus  XXXX ,  XXXX , and TransUnion on  XX/XX/17   . All   XXXX   have responded as "  Verifed  '' account information yet all  XXXX  still list the incorrect mailing address for this account.  XXXX   XXXX  sent me a letter with their correct address in the return section of this letter. Due to the inaccurate reporting of  XXXX   XXXX  and the CRA 's this account needs to be removed from my report.
XXXX XXXX XXXX  is falsely reporting information under two different reporting names ( XXXX XXXX XXXX and XXXX ) for one DUPLICATE account, that I owe {$490.00}. I do not owe this account and it is not mine. I am entitled to a fair and accurate credit report.
Have called Family members telling them that there are going to file a compliant against XXXX XXXX unless they get in contact with him. When tried to call goes to full mailbox. Told not to call when contacted thru multiple numbers continue to threaten!!! This is Real time collections
Within the last 6 weeks, EOS CCA has begun calling me from an Alabama number. However, they are based out of Massachusetts. They are calling me regarding an XXXX XXXX XXXX debt from XXXX XXXX. This debt came off my credit report last year. It is no longer a valid debt. I informed them that the debt is no longer valid. They said it does n't matter because they have an active account in their system for the debt. They also claim that I made a partial payment in XXXX and XXXX. I have asked for proof, but they have not provided it. On the most recent call, I was informed that no payments have been made on this account ever. So which is it? Either I made payments 3 - 4 years ago on the debt or I did n't. I did not. If they 've had this debt in their system since XXXX, why am I just now hearing from them 4 years later? The statute of limitations for this debt in my state is 3 years. The SOL in the state I originally had this debt is also 3 years. The SOL for this debt expired 5 years ago for either state. I have not acknowledged this debt in writing nor have a made a partial payment on this debt. However, the rude customer service representatives tell me they are glad I know the law, but they will continue to call as it is an active account in their system regardless of the law stating they can not collect. This is harassment!
Bank of America, N.A., Fraudulent collection and foreclosure practices on secured property and perfected property of interest. Bank of America has no lawful interest and has submitted fraudulent XXXX forms to IRS etc..with consumers personal identifiable information illegally and without consent. Assigned Lawyers have also committed federal interstate commerce fraud and submitted fraudulent documentations and paperwork along with fraudulent and fake autographs passing them as original instruments. Bank of America illegally filed fraudulent documents with the State to pass off as valid and lawful negotiable instruments of which they do not have.
I applied for business credit card using company EIN. The card was issued using my social security number. The application stated that my social security number would only be used for Identification purposes.
I ordered my credit report and seen that XXXX had this account as marked as a charge off. I disputed that because I had a paid in full letter dated XX/XX/2012. At first they updated it to paid and listed different dates that were late. I disputed it again and the dates delinquent changed again. I disputed it again. The dates changed again but never corrected this to never late. I contacted them to contact XXXX and they said the did not and would not call XXXX. I said well I dispute this again and within an hour its updated and not investigated. I explained that the car loan I had was for a vehicle that was in a accident and the vehicle was totatled. THe insurance company sent them a lump sum check. I also moved right around the time of the accident and when I spoke to XXXX at XXXX she did say correspondence was sent to me that the deductible was my responsibility. I asked her if they got the letters back since I had moved. She said it was noted that the mail was undeliverable so they began contacting me via phone at which time I did give them an over the phone payment to clear the account. The contact Equifax again today. I was told there is nothing they can do and there is no law obligating them because of errouneous mistakes to change the information. I told them I had the paid in full letter and they said they were not breaking any laws. However they are. They are not even investiaging this as they should. They refused to contacted XXXX other then electronically. Equifax is aware by how many updates they have made to my account that XXXX continues to provide them with accurate information. I spoke with a supervisor today his name is XXXX and then his supervisor XXXX Who said there is nothing more we can do and this would need to be disputed with XXXX and not them. My rights are being violated. and I want this looked into more. They admitted and acknowledged that there were errors but are refusing to fix it or investigate more thorough.
I sent Bank of America a payment for XXXX that is still missing. They also told me they would not charge me cash advance fees during this process. They are useless and have not resolved either matters
I reviewed my credit file. Found information I did'nt recognize. I contacted the company which was reporting the negative remark on my credit with a copy of my credit file, my government issued I.d . and social so I could be easily identified. I received a letter from the company ( XXXX XXXX XXXX ) stating they were not able to locate my information in there system and it was in fact incorrect and contact the credit agencies. I called the 3 agencies and sent in my government issues i.d., social, and a copy of this letter and an explanation to get this information removed from my file. They stated they couldnt locate the files multiple times. Tired of getting a run around I filed a complaint with the cfpb. The agencies then stated they would " investigate this '' they sent me a letter stating they were able to verify it. Stating XXXX stated this even though i got a letter from them stating otherwise. Nothing was attached or sent as proof that the debt was verified. They have failed me a a consumer as they did not properly investigate the matter and send the required proof that was used to verify the debt. I will attach the letter I received from XXXX XXXX themselves as my proof. I have done everything that is required by me and I expect Experian/XXXX/XXXX XXXX XXXX to do so also.
I was given a Payroll Memorandum from my employer stating they will be garnishing my wages. I was totally blown away had to clue what this was for? I looked at the address from the paper work it 's my sister address. I called the number listed they stated it was served to that address which i never lived there. I use my sister 's address to get packages shipped. The collector states he was awarded to garnish my wage due to me not showing up to court on a debt that was charged off from the cc company in 2012. I filed a dispute with that collector company and they stated you can file but? we are still going to garnish XXXX % from your employer. The paper work says XXXX Sheriff Levy and then says filed in XXXX, Ca. I do n't see how companies can do such a thing? Seems like total fraud a credit card company has charged off on the debt 2012 ... how can they harass and individual and then embarrass me at a new employer? I ca n't sleep and have been sick to my stomach over this. I am barely getting on my feet financially. Please let me know what I can do?