WillisBack/dataset-financial-user-claim huggingface dataset:
I was transferring money to a friend using my paypal account. Paypal first uses your paypal balance, and if it is not enough funds, it automatically draws the remainder of funds from a bank account. As I was making the payment, I noticed it was pulling from an old account ( XXXX bank ). I canceled the proposed payment and changed the " default / preferred '' account to the new account ( XXXX bank ), which was already linked to my paypal acount. I received an email saying that from now on, the new account would be used. I then made the payment, and it drew from the old account. I called them and they said I should have waited half an hour ( Even though I received a confirmation email saying it was available instantly ). They would not cancel the payment, even though it takes XXXX3 days to process and the error was on their end. Now I am afraid I will overdraw the old account and be charged fees.
XX/XX/2016 & XX/XX/2016 there was at least 12 inquiries from a vehicle loan that I didnt authorize. I have followed up with XXXX and EQIFAX and even placed an identify fraud alert on my account. I also stated to them that my drivers license were duplicated at my local dmv. I had a fraud placed on my account at that time as well.Im only asking to remove the inquiries from my credit report in the month of XX/XX/XXXX and XX/XX/2016. With those inquiries on my credit report it is making it difficult to obtain credit. There is probably a total of 12 inquiries in those months. Please investigate and properly remove from credit report.
It's fraud the inaccurate 's on my XXXX, XXXX, XXXX Credit reports which are the hard and soft inquires they where done in fraud by my XXXX XXXX adult son who XXXX hurts his reasoning and judgement he doesn't know that my name and my social security number is for my use only due to his XXXX XXXX hurting his reasoning and judgement that why I don't want to pursue criminal charges or law enforcement presents in the fraud matter of my XXXX XXXX adult son applying for loans and credit cards in fraud which lead to the inaccurate 's which are the hard and soft inquires
On XXXX XXXX, 2017 I wrote XXXX, Experian and XXXX about inquiries that were 1 ) non-account holding and more than 30 days old and 2 ) were not authorized as a follow up to an original dispute for unauthorized inquiries that was written and sent on XXXX XXXX, 2017. I have yet to receive a response from either bureau regarding the status of the follow up investigation and removal of the unauthorized inquiries.
XX/XX/2018 - I found proof of payment for a debt posted on my credit report by XXXX / XXXX XXXX XXXX in the amount of {$180.00}. I submitted a dispute and proof of payment which resulted in the account being removed from collections and updated on my credit report. 

XX/XX/2018 - XXXX/XXXX XXXX XXXX reported once again for the amount of {$180.00} on my credit report again, causing my credit score to drop several points. 

I have already researched and provided proof of payment and documented evidence that this account was paid - I respectfully ask that this account be removed again from my credit report. The collection was reported erroneously for a second time and ask that it be deleted completely from my records. 

The following company has caused serious delay in securing a mortgage due to their errors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
This is in regards to my previous complaint with Key Bank regarding transactions from XXXX. You keep denying my complaint because you say I made a phone call authorizing the transactions. I NEVER MADE A PHONE CALL TO YOU!!! First of all, I 'm deaf and the only way I could have called you is on a relay service. Secondly, I never use relay services because they 're not user-friendly in my opinion. That 's why I only use text to talk with people. Much easier. 

I really am shocked that you 're making a horrible situation worse by being so difficult. 

Also, I 've been doing a lot research on this so called company. It 's not too difficult to see this is just a scam. Do a XXXX search on XXXX and the first thing that pops up is XXXX scam!!! They 're an illegal entity. They 're supposedly a stock broker of some sort but they 're not registered anywhere. I urge you to contact the SEC at XXXX or the CFTC at XXXX. They will both tell you the same thing I just did. So based on this alone, the charges from XXXX should be null and void. They should never have been able to go through in the first place!
Paypal account existing since 1998 and responding since then to my XXXX email ( per the Paypal user-naming requirements ) refuses to set a default settlement account per user account settings. Paypal conceals a policy of defaulting to its own preference of valid settlement instruments. 
Specifically, Paypal accepted a brokerage account as a settlement instrument, and also accepts settlement through XXXX XXXX ( debit account ), but refuses to allow user preference of XXXX XXXX instead of the brokerage. Since the brokerage has been dormant for over one year, Paypal 's seizure ( or concealment of joint ownership ) of my accounts and destruction of my XXXX XXXX default settings preference has caused over {$100.00} damage to my XXXX brokerage and threatens to continue this abuse of my finances. 
Paypal seized both my entire sales property on Ebay ( listed " as is, '' and " no returns '' ) and also related sales proceeds, which I agreed to pursuant to account termination. Paypal also permitted Ebay to assess me additional costs of the return transaction, without my knowledge and to the injury of my account defaults and my personal finances. 
Please advise me as to whether I need to terminate my relationship with Paypal, as Paypal has already informed that it " defaults to settlement with more prestigious '' instruments/sources and keeps secret from Paypal applicants ( as in my case ) its discrimination against debit resources.
Synchrony Bank issuse me XXXX credit card ' after revived those card ' paying my account on time checking my credit report synchrony Bank running my credit report none stop over XXXX time, I was upset about it I call synchrony bank ask why were they running my credit and the actives had brought my credit score down ' I was n't request credit. I was told from synchrony bank upping my credit, you do not running my credit because I had not request credit extention ' I'requeted synchrony bank contact each credit beuars have it remove, and credit my Amazon account {$780.00} synchrony Bank never have, doing the dispute of charges synchrony bank close my stein mart card I went to pay on my account at stein mart store I was told my account was close, I had never miss a payment ; I call synchrony bank ask why was my stein Mart account close I 'm here at store trying make a payment 'oh we thought it was you stein mart card I replied not true the complaint was made on amazon card ' you have that card no # XXXX I wrote letter dispute charges, complainted with the close card on bank saying it was investigate, synchrony bank let this went on for months I could not make payment, synchrony have cause my account to be 10 months behind could n't make payment have increase dollars amount of intrest fees on my credit report showing 130 -160 days late, synchrony have not credit this information. not fair of this company running my credit after I was given card ' same with TJX credit gave me limit 0f {$300.00} ran my credit put credit at {$100.00} on my credit report came back put XXXX back on credit I never use but {$100.00}. in debt XXXX that unfair pratice it got to stop as hard as I worked on my credit. 
Synchrony Bank approve me for XXXX credit Card stein mart, amazon T J X in XXXX of last year I made a reported to Synchrony bank that there was over {$890.00} charger on my card I 'm dispute it on amazon card ', synchrony bank call me all day every day. want correct my accounts asking me pay {$200.00} and {$300.00} a month with lost month the bank close account continues charge interest as high as {$25.00} a day when payment could have been paid because of there investigation for long months did not allow payment to be paid'closing both account.
Hi there, I got the upgrade offer for my American Express credit card in XX/XX/XXXX, it was spending {$2000.00} then I will get {$250.00} statement credit. I applied the upgrade and met the spending requirement on XX/XX/XXXX. I contacted AMEX many times about this {$250.00} credit wasn't added to my account, they just said I need to wait more time. Today they said their marketing team refused to issues this {$250.00} credit to me because I have done this offer in XXXX. But the offer 's term didn't mention it, and the offer was showing in my online account before I clicked the upgrade my card bottom.
I have a PayPal Credit line of credit, which provides promotional financing for purchases of more than {$99.00}. My most recent billing cycle ended on XX/XX/XXXX and I have still not received a billing statement ( set up for electronic delivery ). My account indicates that I have a payment due on XX/XX/XXXX, but I have no way to verify that payment amount since I have not received a billing statement. I contacted PayPal and they admitted ( in multiple emails ) that there is an error with their electronic billing system and that they are working on a resolution, but have no timeline for when I might receive a billing statement. How is it legal for them to set a payment amount and due date ( and presumably charge interest and fees if the payment amount is not received by the due date ) when they are unable to provide a billing statement for documentation purposes? Do I not have the right to review my monthly statements to verify that all included transactions are appropriate?
Today, XXXX XXXX, 2016 I can not apply for a personal loan to pay for the XXXX to address the XXXX son XXXX is suffering because OCWEN is reporting to XXXX that my home loan is paid in full but still open and OCWEN has pulled my loan completely from XXXX and OCWEN has update the information with XXXX that was incorrect last week when the other bureaus were correct. This instability has been going on all of 2016 since OCWEN posted the {$76000.00} Keep Your Home California funds to my account and the {$5000.00} HAMP incentive funds to my account that I received for paying my loan on time for six years. Once OCWEN posted those funds, they removed my name from the account and have kept my credit score in a constant state of flux. OCWEN told the Attorney General and CFPB that I had failed to get a KYHC document signed and notarized when in fact that document was not sent to me until many months later because OCWEN had removed my name from the loan and they had no reason to send me that document because they had taken my name off ( even though I was the one who had applied for the KYHC funds and those funds were granted to help me and my son ). OCWEN has kept my son and I financially crippled since XXXX 2016 and shows no sign of making a permanent correct to stop harming us financially. My credit score has been going from Excellent to Poor, back and forth and each time I click on the reason why, OCWEN shows as the change. Comments they put on my report cause the score to drop. Untrue information they post causes my score to drop. They remove it, correct it and then post untrue information again and again. The nightmare has been going on all 2016, preventing me from being able to afford a loan to help my son. 
XXXX XXXX of XXXX just called to tell me that even if OCWEN begins working to correct this, it could take WEEKS before my score is restored. This means my XXXX son has to XXXX weeks and months longer each time OCWEN repeats this mistake. XXXX ' XXXX due to the delay OCWEN has caused. As is, XXXX is having to XXXX because of problems caused by medications he would not have to take if OCWEN had not delayed his XXXX so many times this year. 
XXXX XXXX XXXX XXXX said that OCWEN needs to realize that when they REMOVE my loan, they ca n't just start transmitting updates. They have to put the loan back on before they can transmit updates. OCWEN routinely tries to transmit updates without repairing the damage they have done and they blame the bureaus for this not working. It is 100 % OCWEN 's fault this is happening. XXXX as a result of this unwarranted financial harm which is preventing the funding of his XXXX.
Nelnet Does Not Have My Permission To Call Me For ANY Reason.I 'm Pretty Sure It 's A Robo Call
i am super disappointed all my calls and pleas for help are going un heard. i have beena c ustomer for a long time with credit. i need some help i need a business account with no minimums no fees for a while. a business account i have a spark card. I have always been helped by this bank and this is just being ignored. please help. PLEASE escalate to Virginia office. 
please escalate to capital one bank office of president. 
i need help. not the run around loyalty for loyalty PLEASE assist. this account will have over XXXX XXXX with the year from an expected grant. PLEASE help no scripts. I have called, written getting nowhere pleae help
First of all I will admit I overdrew my checking account because of an emergency XX/XX/2018. It was my payday and that morning I withdrew XXXX dollars from the atm on the corner of XXXX XXXX   and XXXX XXXX XXXX in XXXX  ohio. I had to automatic payents for XXXX and XXXX dollars and than I made a purchase at XXXX  and for XXXX dollars and a purchase of XXXX at XXXX XXXX. this was all done before XXXX XXXX. Later on that day I made a purchase for XXXX at XXXX  due to an emergency which I admit overdrew my account by about XXXX. The emergency XXXX purchase was the last time I used my account. I checked my account the morning of XXXX  XX/XX/2018 and I had four overdraft charges and the XXXX dollar transaction was still pending. I immediately called pnc to file a complaint about this. On XX/XX/2018 the transaction for XXXX that caused the XXXX overdraft cleared and I was charged another overdraft fee. So one XXXX dollar overdraft has now cost me five XXXX dollar overdraft fees totaling XXXX dollars and one continuous overdraft fee of XXXX dollars for a total of XXXX   dollars in fees and counting. On XXXX XX/XX/2018 I received a call from XXXX XXXX which I missed who is from pnc 's fee escalation center, yes they have a special department to deal with their escessive fees. I called the number and was connected to mr.XXXX XXXX and when I asked for XXXX  he said she was not available and he would be able to assist me. I explained the problem to him and he informed me the the fees where charged correctly and what had happened is that they had spread the overdraft out over FOUR TRANSACTIONS TO COVER IT. I said that is not how banking works in this country and informed him that I would be filing a complaint with the cfpb.
I have a store credit card with Amazon that is owned by Synchrony Bank. Their promotional offers are for purchases made over a certain amt., there is either a 6 month or a 12 month interest waived offer, if promo balance is paid in full by it 's due date. Since getting this card, EVERY SINGLE PURCHASE I have EVER made on it, was ALWAYS for either the 6 mo promo offer or the 12 mo. and as every Promo has come up on it 's expiration date I have made Pymt IN FULL and WELL IN ADVANCE of each Expiration date ( note : this is in addition to the mthly min. pymt I also need to make to avoid interest, and every due date the min. amt has also been PAID IN FULL and WELL IN ADVANCE ), yet EVERY SINGLE TIME I pay off a PROMO charge IN FULL as it comes due, I find out I am STILL being charged INTEREST on it! I have written & done chat sessions with this co. EVERY SINGLE MONTH and have to go thru the entire ROUTINE over and over again, where they CONFIRM that I have NO " REGULAR '' purchases on this card ( and NEVER had any ) as well as the fact that EVERY PROMO and EVERY MTHLY pymt has been made on time and in full TO DATE! and that they will REVERSE the ( BOGUS ) Interest charge, and fix the problem, yet EVERY SINGLE TIME the next month comes around, and I check my acct. AGAIN there is ANOTHER NEW ( BOGUS ) interest charge tacked onto my acct! The ONLY REASON I ever 'happened ' to notice these charges in the first place is because I chose to click on my 'activity ' to MAKE CERTAIN they are applying every PROMO PAYOFF to the correct PROMO that comes due, and that is the ONLY reason I CAUGHT their ILLEGAL and CONTINUOUS charging of Interest that has no relevance. The reason I am filing a complaint here is not just because I am getting SICK AND TIRED of going thru this ROUTINE with them EVERY SINGLE MONTH, but also because I can imagine how many customers holding a Synchrony credit card are being charged ILLEGAL interest on their accts EVEN THOUGH THEY ARE PAYING OFF THEIR PROMO BALANCES IN FULL AND BEFORE THEY COME DUE! ( this cr cd company is MAKING MONEY on UNSUSPECTING CUSTOMERS via a few dollars here and there being charged ILLEGALLY, and going 'unnoticed ' by customers ... who do n't think to look because they know there is no reason for any interest charge to even be on their acct, if they have been paying off all balances in full and before due dates expires ) ... ..yet this co. continues to charge me after EVERY PROMO is PAID IN FULL AND WELL IN ADVANCE OF IT 's DUE DATE, in spite of my CONTINUOUS contact telling them they are charging me ILLEGALLY! No one should have to go thru this SAME ROUTINE EVERY SINGLE MONTH to get interest reversed when it never should be posted in the first place! They are obviously MAKING MONEY on people who have no clue they are even doing this! ... and for me, they are DRIVING ME INSANE to have to keep contacting them MTHLY to reverse interest charges that are ILLEGALLY Charged in the first place! PLEASE look into this Fraud! thank you.
I had a lease with Nissan. The lease was terminated early because the vehicle was total in a accident that I was not a fault for it. It was a hit and run, but driver was located after. 
Nissan was paid by my insurance company XXXX. When Nissan close the account they listed a remark early termination balance owning. I contacted Nissan to get this corrected and I disputed with the credit XXXX, XXXX and XXXX. Nothing has been done to corrected. I was never late or owed any other monies to Nissan. Everything was paid off including property taxes.
I have an alleged XXXX account for XXXX on my Transunion credit report.I have disputed this account several times with Transunion as I have not received notice of debt or notification of my right to dispute. Furthermore, the information reported on the Transunion credit file regarding date of first delinquency varies from the other reports. I have attached copies of each report to support this claim. 
XXXX DOFD - XXXX DOFD - XX/XX/XXXXTransunion DOFD - XX/XX/XXXXThe FCRA requires that accurate information be reported to each Bureau and that each Bureau reports accurately. At this point it is clear Transunion is allowing this inaccurate and damaging information to be reported on my file when obviously it is not correct. The date of first delinquency is a single, historical point an account first came delinquent and can not vary between bureaus. At this point I hold Transunion responsible for reporting this information and for removing it from my credit file. My legal rights as a consumer entitle me to compensation for any damages caused by this information reflecting on my credit file.
***PLEASE NOTE THAT NATIONSTAR/MR COOPER HAS STOLEN MY XXXX PAYMENT*** THEY WERE TOLD TO PROPERLY CREDIT IT ON THE PHONE AND REFUSED IN VIOLATION OF LAW ... THIS IS RECORDED ON XXXX XXXX 'S LINE*** > > > NATIONSTAR HAS CONFIRMED LOAN ORIGINATION FRAUD > > > NATIONSTAR HAS CONFIRMED LOAN ESCROW FRAUD > > > NATIONSTAR HAS CONFRIMED COMPUTER FRAUD > > > NATIONSTAR HAS CONFIREMD ADDING ILLEGAL FEES > > > NATIONSTAR HAS CONFRIMED THEY DO NOT HAVE THE PROPER LOAN DOCUMENTATION ***NATIONSTAR HAS FURTHER CLAIMED THAT THEY ARE ABOVE THE LAW AND THEY DO NOT HAVE TO COMPLY WITH STATE OR FEDERAL LAWS*** QUOTE FROM THEIR RESPONSE ON THESE ILLEGAL ACTS THEY HAVE CONFIRMED " At this time the account is current and due for XXXX XXXX, 2017. After completing our review into the aforementioned issues we determined that  overall, there were no errors on our part. '' IN ADDITION, NATIONSTAR HAS LIED ABOUT A FORECLOSURE THAT THEY SAID WAS NOT HAPPENING, THEY HAVE ALWAYS FAILED TO PROVIDE MONTHLY STATEMENTS, AND THEY ARE ALL STILL REFUSING TO COMPLY WITH ANY LAWS
I cut service off with a company ( XXXX XXXX ) XX/XX/XXXX. That same company sent a delivery to my office XX/XX/XXXX without approval. They claim my admin. assistant authorized the purchase. Per our company policy, assistants do n't have purchasing power with any vendors. They sent subsequent billing statements, and I repeatedly informed them I had no use for their product. Ultimately they sent me to a collection agency. We tried to reach an agreeable resolution, but that never happened. They would not comply and then turned my account over to collections.
It is about the creation of unauthorized online account with my name. 
On XX/XX/XXXX, I received a message from Wells Fargo, where it is stated " your online banking information needs to be verified '' Then, Wells Fargo indicated me " they noticed a suspicious activity in " my account ''. 
On XX/XX/XXXX, another Wells Fargo message indicates " your online access has been temporarily suspended '' I confirm I have no online accounts with Wells Fargo. I have never opened it. 

We, my husband and I used to have our mortgage with them, but we paid it off on XX/XX/XXXX. 

We hope, we are free of scandals involving fake accounts erupted on XX/XX/XXXX. I have not tried to reach them until I get a response from you about the best way to proceed.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to remove these items off my credit report so I can move on with my life. 

Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, Transunion ), Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, Transunion ), Bankruptcy ch XXXX-dismissed Ref XXXX ( XXXX ), Bankruptcy ch XXXX-dismissed Ref XXXX ( XXXX, Transunion ), Bankruptcy ch? -dismissed Ref XXXX ( XXXX  , transunion ), Bankruptcy ch XXXX- dismRef XXXX ( XXXX, XXXX ) , Bankruptcy ch XXXX-dism Ref XXXX ( XXXX, XXXX   ) , Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, transunion ) , Bankruptcy ch 7-dism Ref XXXX ( XXXX, XXXX, , Transunion ) , XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX ( XXXX, XXXX, , Transunion ) , XXXX XXXX Acct XXXX ( XXXX, , XXXX, transunion ) , XXXX XXXX ( XXXX, XXXX, , Tranunion ), XXXX XXXX XXXX ( XXXX. XXXX, TU ), XXXX. XXXX XXXX
Bmw financial has reported a 30 day late payment to the 3 credit reporting agencies. It show I have a 30 day late payment for XX/XX/XXXX. I spoke with Bmw and they told me I wasnt late for XX/XX/XXXX. Can this please be corrected. I was not late for XX/XX/XXXX and Bmw financial has confirmed via telephone call on XX/XX/XXXX at approximately XXXX est. please remove this inaccurate information.