WillisBack/dataset-financial-user-claim huggingface dataset:
After making a single sale on XXXX, PayPal froze my account and created an error described as " Your account access is temporarily limited ''. I was not notified that my account was frozen by any means ( call, text, email ), and only until I attempted to make another sale was I notified of the account freeze. 

I use paypal for multiple reasons including payment to friends, business transactions, and selling goods on websites such as XXXX and XXXX, where paypal is the only verified account that can be used to sell goods on these sites. 

Since XX/XX/XXXX, I've been attempting on a daily basis to have my account reopened. On XX/XX/XXXX, I submitted my driver 's license and a copy of a receipt for the good I sold on XXXX. I was told within 48 hours it would be reviewed and resolved. 

On Thursday, XX/XX/XXXX, I noticed my account was still locked. I called paypal ( since they have no chat option ) and the estimated wait time was between 1 hour to 1.5 hours. I received a call back and was told a ticket was put in to escalate my issue and that within 24 hours it should be resolved. 

On Friday, XX/XX/XXXX, I called back as my account was still locked and was told " the ticket had been closed '', but given no reason why. The call center rep informed me that the issue would be resolved and that I would have immediate access to my account. Both times I was speaking with call center agents in XXXX XXXX. 

As of today, XX/XX/XXXX, I still do not have access to my account and am attempting to call back again. This delay has hampered me in selling goods on websites that require PayPal, and I still don't understand why my account was " limited ''.
I have three collection agencies trying to collect on the same debt and reporting on my credit report. Seriously, I thought is was against the law and I was protected as a citizen to keep credit pirates off my credit report. This sucks I can get a house or car because I have 9 collection debts and three collection agencies showing. IN REALITY I have none. I know it has been a write off and these collection agencies just want money. The have no proof this is my debt. I tried communcating with all of them but no one will delete the duplicate accounts. 
HELP!!!!!!!
I Received a collection letter from this collection agency dated  XXXX / XXXX /  XXXX  . I replied to them in writing on  XXXX / XXXX /  XXXX  . I told them on my letter that the account was not mine and I asked to provide me with a copy of the signed credit application. As of this date, they have not sent me any documents related to that debt.
GAP employees were giving false credit check information in order to convince customers to open store credit cards. My credit score is affected negatively and I have no way of reversing the credit inquiry. 

I had a Banana Republic credit card I opened years ago while in college. Recently when I was making a purchase at Gap on XXXX/XXXX/15, a sales rep ( cashier # XXXX, store # XXXX ) looked up my account using my social security number. She informed me I could use that old account WITHOUT having a credit check. I doubled checked with her XXXX times to make sure there would not be a credit check. Nine days later on XXXX/XXXX/15, I received a brand new Gap card in the mail that stated I have been a customer since only 2015. I called the Gap credit card number and found out to my surprise that my credit did get pulled for a brand new Gap card! In fact, I would never have agreed to have my credit pulled for a new credit card under any circumstance as we are in the process of buying a new home. I tried speaking with a customer service supervisor and was told the wait would be hours to get one on the phone. I said I would wait and was told by the representative XXXX that her supervisors " came over XXXX '' to inform her I have to call back in the morning to ask to speak with a supervisor. She said the best she could do was close my account, without promise of any reversal in my credit pull and the negative effect on my credit rating.
This company is claiming to be a third party debt collection agency for a debt that I owed to a different company for an Installment loan. I have hired a law firm to settle the debt with the original creditor. I have received many phone calls from a woman claiming that she can settle my debt for a fraction of the original amount. I have told her multiple times that I am handling this through a law firm and that I do not wish to receive calls from her any more. I have researched the company she claims to represent and have found many scam reports associated with her calls. She has also called my parents home number and my brother 's cell phone in attempts to get in contact with me after I have ignored the phone calls.
I filed a chapter XXXX bankruptcy on XXXX XXXX, XXXX. We had a hearing on XXXX XXXX, XXXX. To figure payment to creditors and that totaled {$2400.00} a month as well as {$1500.00} mortgage payment. I had to submit a payment on the XXXX for {$2400.00}. My case was continued to XXXX XXXX, XXXX. Because I filed on XXXX XXXX, XXXX I was expected to submit another payment of {$2400.00}. Which was only 2 weeks from first payment. I am currently employed at XXXX XXXX and am a single mother to XXXX children. XXXX of whom is special needs, On XXXX XXXX, XXXX. I opened my home to a family displaced due to transitional housing cut backs.One person in that family has health issues and a XXXX. Due to this forclosure XXXX families became homeless during the Holidays and the cold of winter.. I have aquired my home with my husband during our marriage XXXX years ago, and seperated from him in XXXX. We are now going thru a XXXX, I originally left our home and rented a home with my XXXX XXXX XXXX daughter. We were evicted due to violent outbursts and destroying rental property by my XXXX XXXX son. Who is XXXX XXXX XXXX and very disruptive. He is a habitual XXXX caller. I returned back home to save it due to my husband unable to make house payment. I came back to a house that was destroyed.We had no water and no heat, and alot of damage. It took me 8 months to make the house livable again. After only 12 months me and my childrens home was sold at auction on XXXX XXXX, XXXX. What makes it so devastating was that I was never even notified of the sale date. Or given a chance to try at all costs to secure and save our home for my kids. The new owner just appeared on my doorstep unannounced on XXXX XXXX, XXXX at XXXX. She was threatening to evict me, and I had no idea that the mortgage company had even auctioned off my home. Because XXXX XXXX had accepted 2 payments in last 5 months, and then without notice sold my home out from under me. I can not rent due to my son and the eviction on my record. And now I have no idea what to do.
XX/XX/2016 I opened a Citigold Checking account offering XXXX Thank You Points for meeting the requirements. The promotion code that I used was XXXX. I met all the requirement on XXXX/XXXX/2016, and confirmed via chat that I fulfilled the requirements on XXXX/XXXX/2016. The customer service rep told me that I would get the Thank You Points within 90 days. On XXXX/XXXX/2016 I contacted customer service via chat to again confirm that I was eligible for the promotion, and to find out the exact date the Thank You Points would post to my account. The rep told me that the points would post by XXXX/XXXX/2016 at the latest. On XXXX/XXXX/2016 I contacted customer service again through chat because my points has still not been posted. The rep told me that they will post by the end of the month ( past the 90 days that was in the initial agreement, most likely to collect another $ XXXX monthly free ). The rep then opened an investigation as to why I have not gotten the points. In the chat session, the rep confirmed that I was eligible for the promotion and that I would have an answer within 2 days. I still have not received an answer as of XXXX/XXXX/2016. I believe that Citibank is just stalling in order to collect another monthly fee. I searched online and I see that many people are having this problem with Citibank. I feel as if I was purposely lied to in order to open an account, so Citibank could just collect fees from me. I have upheld my side of the agreement and Citibank did not.
On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received ( XXXX ). Per the terms of the promotion, I would receive XXXX XXXX XXXX AAdvantage bonus miles upon completion of {$1000.00} in qualifying debit card purchases and one or more qualifying bill payments for two consecutive calendar months, with all requirements to be completed within 60 days of account opening. A copy of the terms and conditions of the promotion is attached. 
I completed the requirements on XXXX XXXX, 2016 and messaged Citibank on XXXX XXXX, 2016 via their online live chat system to confirm that I had fulfilled the requirements to receive my XXXX AAdvantage miles. A Citibank representative confirmed that the requirements had been met and that I would receive my XXXX AAdvantage miles around XXXX XXXX, 2016, which is in accordance with their terms and conditions that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. '' A copy of this chat log confirming completion of the requirements is attached. 
I sent a secure message on XXXX XXXX, 2016, 94 calendar days from the date when I completed all offer requirements, to ask about when my bonus miles would be deposited. A representative replied on XXXX XXXX, 2016 that I was not eligible due to not being targeted for the promotion. The original terms and conditions of the offer contained no such language that receiving the bonus miles was contingent on being targeted. It states that the offer is available to Citi ( R ) / AAdvantage ( R ) credit cardmembers who received the communication, are new consumer checking customers XXXX years of age or older, and did not have a consumer checking account with Citibank at the time of applying. I met all of those requirements. 
My application was accepted with the promotional code and a Citibank representative confirmed that I met all requirements. Therefore, I expect Citibank to honor the promotion as well as their promise to deposit my bonus miles 90 days from when I completed all offer requirements ( XXXX XXXX, 2016 ). As of today, 96 calendar days have passed from the date when I completed all offer requirements, and my AAdvantage miles have still not been rewarded. It is apparent that Citibank is deceiving new customers and I advise others to not do business with them unless this can be resolved.
I have been disputing inquiry 's on my credit file with Transunion since XXXX 2016. I have contacted ever comapny that had an inquiry on my credit file as instructed by a transunion representative. The rep told me the only way they inquirys could be removed was by the company that placed them on there. I contacted each company and none of them showed any record of me by my address, phone number or social security number. They in returned all told me I needed to dispute that with the credit bureaus directly yet the credit bureaus are telling me they do n't and can not remove inquiry 's from ones file. All I continually get from them is the information has been verified and when I ask them how they verified it they send me a letter with general information on there verification process. I have not made any sort of credit request in over 3 years my inquiry 's should be none.
I have written this company and they refused to respond, saying that my letter came from a company/organization. And they ignored my previous request to provide applications or security agreements that were completed by me to prove the initiating of this account. This account does not belong to me, and I did not initiate such account with them or the original company.
I received a notification by mail from collection regarding toll fees that need to be paid for that amounted to {$210.00} in total. Ive already paid the fee on XX/XX/2018, this is about 2 months ago now, and have a confirmation email and a reference number to prove my statement. Ive contacted FTC to speak about the issue and the representative I spoke to told me to file a complaint. As you can see from the picture sent, its the same amount and violation number.
Chase bank consistently mismanages the Escrow and engages in fraudulent practices of incorrectly assessing escrow. Without a significant change in county/ city taxes or insurance they just increased the mortgage payment by about {$1000.00} per month after 5 years of regular payments. Chase bank does not provide visibility or an option to pay taxes separately.
A claim was filed for item not received on or around  XXXX   XXXX , an item from   XXXX   in the amount of  XXXX . An affidavit was signed, faxed in, verified received by Suntrust claim  rep ( s  ). I received a letter shortly after from a  XXXX , claim rep, asking me to call him as he needed to know what the item is that is missing, which was already stated to rep who took claim. Several calls were made to reach him, left several voice messages, none returned. A  XXXX   XXXX  was ordered, missing from box, this was detailed in claim.  XXXX  reps refuse to refund, will only reship item,  XXXX  will not investigate further was claim was closed on their end by mistake and will not reopen it. I received a letter from Suntrust today, in regard to case  XXXX , stating it is now closed as I did not provide information they requested in a letter dated  XXXX . I believe this is the same letter from  XXXX , asking what the item is that was ordered. The claim rep I spoke with today,  XXXX , stated investigation is still open, which is contrary to what letter states
On XXXX XXXX, 2017 a collection account was added to my XXXX credit report. The collection company shows as Midwest Recovery Systems, the original creditor shows as XXXX XXXX XXXX. I do not recognize either of those companies and I have not received any information in writing from them regarding this account. It shows that it is a medical and it 's for {$1600.00}. I have no been to any doctor within the last six months so I have no idea where this is coming from. I tried contactics the company ( Midwest Recovery Systems ) by phone and was told they could not look it up by name and that they want my social security number. I refused to give them my social security number and they disconnected the line. So I sent a cease and desist email to Midwest Recovery Systems. They have responded again asking for my social security number. My address is correct on my credit report yet I have received nothing from them. I believe this account and company to be fraudulent. I want to have this removed from credit report. They have not proven this is my account.
Despite a written request to Experian that they are reporting inaccurte information on my credit file, Experian refuses to do a complete and accurate investigation. My last dispute to Experian was sent onXX/XX/XXXX. Experian received my dispute by certifed mail on XX/XX/XXXX. Experian has not sent me back a response within 30 days after receiving my dispute. Experian is reporting a Chapter XXXX bankruptcy in my credit files. I have never filed bankruptcy.
Interest charges keep changing. They are getting higher and higher and I am given the run around why this is being charged.
I recently received two letters where creditors closed my account due to adverse action. I checked my credit report and found that Equifax place a bankruptcy on my report as of XX/XX/2018 and I have not file bankruptcy. This agency has caused two creditors to close accounts. The question is why they placed that on my report and have they verified that with the bankruptcy court. Report number XXXX
I have almost XXXX in student loan debt through Navient, previously XXXX XXXX. Several times over the course of my loan since my attendance for graduate school they have continued to increase my payment though I do not have enough income to pay such large payments with XXXX other student loans I pay every month. It has gotten to the point, when I called today, that they will not lower, reduce or settle my payments from almost XXXX/mo because I have a consigner and they show he can pay. They constantly call and hang up with both me and my parents. XXXX us into making payment saying they will 'find a way to get the money they are legally owed ' and told me that even though it is my loan, they show that I can not pay that amount every month, that unfortunately my father can according to their records so he will have to pay it. As you can imagine my father is no longer speaking to me as a result of this disillusioned student loan debt fiasco. No one will give me a loan so I can get them off my back for that amount. They are n't willing to settle one without both. They basically tell me I have no other option but to pay. The way they have spoken to me on the phone and told me it 's pretty obvious I ca n't afford it but that 's too bad my dad can. But they ca n't either. It 's an unrealistic request. On top of that, I have paid on good faith for a long time, they were never willing to release my father as a consigner though their website says after a year of good payments they will with a request. I have filed bankruptcy, I have tried to negotiate, I have called and tried to continue paying on time, now with the recent call today and their cruel attacks at my payment issues and telling me that 'obviously I need to get a second job to pay them. ' Has me at my last rope.
I was shocked when reviewing my credit report and found a late payment on the date below : XXXX days late as of XXXX XXXX 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.
XXXX XXXX XXXX added an Collection account to my credit report. I never recieved any written noticed of this acct, I do not think its fair that a collection agency can report and they can not provide me with documents or application thats states my information and signature that the debt belongs to me. XXXX XXXX XXXX unfairly reporting on my credit report without verifying proof that the debt is rightfully mines.
They run mega technology to hord info, yet their simply ineffective www.Annualcreditreport.com does not provide the single free report from each agency. 
Each one error-ed out over and over. 

We have to call in. Why?
I lost my Wells Fargo debit card, thought I had misplaced it. I logged on today and saw deposits being made into my account from XXXX ( I live in XXXX ). I immediately stopped into my local branch to freeze the card & inform them of the ATM deposits I saw online. Well, guess what? They advised me my account would be closed on XXXX XXXX and after their investigation I can recoup any funds left in my account! I am a XXXX Veteran and victim here! I told Wells Fargo I lost my card and was the one that brought the out-of-state activity to their attention! My local banker tried to rally for me but the person on the other line ( corporate? ) would not budge, even when he pleaded that they were about to make a XXXX homeless! I am sick to my stomach because my VA XXXX posts tomorrow and I have to pay my rent, electric, phone bill, insurance, car note, etc. but Wells Fargo does not care! They advertise how " Veteran Friendly '' they are but we all know how the big banks do nothing but look out for themselves and destroy the lives of thousands of their customers that put their trust in them to do the right thing. I argued with family & friends that I should give Wells Fargo my business ... I should have heeded their objections.
I received an auto Insurance policy quote for two vehicles via internet. It sounded reasonable so I signed up and paid the installment fee. when I was ready to print out the proof of insurance cards there was only one vehicle on the policy. I was told if I wanted to add the other one it would be an additional amount. So I paid it. Then a month into the policy I received notice that I was not entitled to the original quoted policy due to a decision made by the Underwriters. I ask for the contact info of said underwriters and requested a copy of the reason behind their determining decision.
I received a 22 page report that contained nothing but my previous addresses and what type of mailboxes I 've had at those addresses.
Another section of the report explained how to read the report and the results of my traffic violation search. Results : No Records Found Another section Stated my current address as reported by a company called " XXXX XXXX XXXX '' Okay, that info was correct.
XXXX XXXX XXXX. reported that I had registered to vote under my maiden name.
Well, I was married at the age of XXXX and never used my maiden name after that.
They failed to give a year for this information.
Another section assessed the value of my home and stated that it had a high risk address description dated 5 years ago. I also lived at another high risk address in 2006. ( over 10 years ago ) Criminal Records : No records found Education Records : I 'm listed as a student. It does not say where. I 'm XXXX years old and not a student.
Lawsuits, Civil Filings Judgements and liens : No Records Found Oh yes, XXXX XXXX XXXX XXXX lists my e-mail address No phone records No Professional Licenses No personal purchase Activity Records No Short Term Credit Offer Request Records It goes on and on with XXXX XXXX Inquiry Records, Consumer Reported Statement, Consumer Reported Alerts, and Consumer Reported Disputes ... .all : No Records Found I paying higher than normal rates for Auto Insurance based on all this nonsense and I do n't know how to fix it.
I am on XXXX, I drive less than 10,000 miles a year