WillisBack/dataset-financial-user-claim huggingface dataset:
I elected to start using PayPal for most of my online purchases and I chose the option to have the purchase go to my XXXX credit card account. That worked just fine in the beginning. Then one day I started to receive e-mail notices that my PayPal account was past due. I could not understand this because my purchases were supposed to go my XXXX card account, where I could pay them off each month. As it turns out, I had XXXX purchases that went to my " PayPal Credit '' account. I knew I had a " PayPal '' account, but I did not know I had a PayPal Credit account. At any rate, I contacted PayPal about the matter and I paid them for the XXXX purchases I made, but I requested that they waive the Finance Charges and Late Fees. I asked them to close my account and told them that I would not use their services to pay for purchases. 
Evidently, these request to close my account and waive the late fees went completely unheeded. I have read about PayPal being sued by Consumer Financial Protection Bureau about this exact matter XXXX XXXX 2015. My transactions were in XXXX 2015, so that should have stopped their deceitful practices long before.
I have been attempting to get my report for way over a month, I've called I've written emails and the company is throwing up every roadblock there is. When attempting to pull my report, I get asked questions on accounts I never opened that aren't on any of the other credit reporting sites. I know that Equifax got hacked, and I believe that there is incorrect information on my report and that they are covering it up. The other possibility in they're incompetent, in that case they should not be allowed to operate a credit reporting agency.
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Midlan D Funding. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
I have disputed the information XXXX times with Equifax. They refuse to XXXX and XXXX XXXX XXXX off my credit report. These accounts werecharged by IDENTITY THEFT. I have provided my ID theft paperwork with XXXX credit reporting agencies. XXXXXXXX and XXXX have removed the info.
I 've requested all billing and payment statements on all student loan accounts from MRS Associates since I have paid from XX/XX/XXXX to XX/XX/XXXX. I 've corrected my address several times but nothing ever changes. There are XXXX accounts that went to collection from XXXX and I have yet to receive any documentation of payments, interest rates and charges, and payments made.
Ocwen claims it sold my house to XXXX XXXX via a foreclosure auction in XXXX XXXX. XXXX XXXX  subsequently filed an action trying to evict me in XXXX XXXX XXXX. I have been fighting them in court ever since. I have been represented in that action by XXXX XXXX XXXX XXXX since XXXX of XXXX. In XXXX of XXXX, Fannie Mae switched its counsel from XXXX XXXX to XXXX and XXXX. When XXXX became new counsel, they stated that XXXX XXXX and its servicer Ocwen were willing to evaluate me for a loan modification. They asked that I submit a Request for Mortgage Assistance package. I submitted a package with pages and pages of supporting documentation in XXXX XXXX. Over the next two months, Ocwen, through counsel requested additional documents three separate times. Each time I promptly provided them with what was requested. 

On XXXX XXXX,, my attorney received a letter from Ocwen ( which was dated XXXX XXXX, XXXX ) via email from an attorney from XXXX. The letter ( which is attached ) said that Ocwen could not offer me a loan modification because my loan was post-foreclosure. However, Ocwen and XXXX XXXX knew this all. I do not understand why they asked me to submit an entire application, and rounds of supporting documentation if they were going to deny my application for a reason they knew all along. There is absolutely no indication they ever did any sort of individualized analysis based on my income and debts. My attorney contacted the attorneys at XXXX right after she received the letter from Ocwen and told them how she did n't understand why Ocwen would say they would review me ( and ask for so many documents ) if they were going to reject me for the fact that the loan was post-foreclosure. The XXXX attorneys did not respond to her emails or voicemails. 

On XXXX XXXX, XXXX, I encountered an individual outside of my Property trying to take measurements. When I asked him why he was there, he stated that he was trying to assess the property for a pending sale. My son XXXX then discovered a listing for the Property on XXXX, which states that the Property has been under contract since an auction on XXXX XXXX, XXXX. ( I have included a copy of the listing. ) I realized all the while that Ocwen and XXXX XXXX said they were considering me for a loan modification, they were trying to sell the property. 

Ocwen 's and XXXX XXXX 's actions are all the more upsetting to me because my ex-husband and I were once offered an affordable forbearance plan ( in XXXX ) and then the former servicer ( XXXX ) kicked us out of the plan because my ex messed up a payment by a penny. I begged XXXX to let us make the proper payment and remain in the plan but they refused. Neither XXXX nor Ocwen has ever done an individualized loan modification analysis, taking into account my actual income and debts, since that point and time.
Midland Funding purchased debt originally from XXXX Bank. The account with XXXX was orginally opened XX/XX/XXXX, first reported XX/XX/XXXX, at the time balance was {$950.00}, note the original credit limit was {$950.00}, and I keep getting offers from Midland to pay debt, they 're stating my current balance is {$1700.00} and I have XXXX options to pay, I did n't respond. I do not owe this debt ; I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws. I have checked with my State XXXX and verified that the Statute of Limitations for enforcing this type of debt has expired. Midland has re-aged this debt and this is simply a fraudulent act. MCM Account Number is XXXX and the Original Account Number for XXXX XXXX XXXX XXXX XXXX XXXX is XXXX.
As a small business, we signed up for Capital One 's SPARK PAY to accept mobile merchant processing payments. After signing up online, and receiving the dongle for our phones, an agent called us to inform our company that the terms of the agreement had changed, and that Capital One would be holding our proceeds for up to three months on a revolving payment schedule " while we establish a relationship with you. '' For example, {$100.00} in merchant fees would be paid off in {$33.00} increments, ever 30 days. 

Since they were calling to get my assent to this change in terms and conditions for their service ( before we had ever used it ), I asked what would happen if I said no. " We will cancel your account. '' I told them " Go ahead. '' A typical merchant processor pays within a day or two. Capital One was going to pay over three months, and not disclose that important fact until after we signed up. This practice is absuive, and unethical.
stuff showing on my credit report that are not mine please remove tham XXXX, XXXX, and experian inaccurate information
XXXX taken me to court their atty never shown up I cont 'd to go court finally I request dismiss. I rec 'd my dismissed court orders because who they are they can not believe this happen but it did XXXX speaking to MIdland new collect agent this XXXX ( WITH /WITHOUT ) on court order they are coming for money the amount is wrong that is why I when to court not paying court fee and atty fee etc. This is old case back XXXX, this case was dismissed by court XXXX. They ( Midland XXXX are aware Case number etc try to take it to court again information place in summary. Court try to destroyed with Government Codes. I want them to closed and correct by credit report etc. ( again XXXX Midland try to reopen XXXX. ( removed it and stop try re-open ). Statue limitation apply to this case. XXXX I keep all my documents etc.
I have been subject to fraud for a few years now. I am XXXX years old and have a history of issues since I was XXXX with the use of my name and ss # to obtain credit. Someone other than myself in XXXX and XXXX  applied for credit to several places. Some of them multiple times. I have only applied for credit 2x in the past 3 years. I have sent countless letters and have called numerous times to get these inquiries removed. I have sent letters to the companies and they all have promised to remove the inquiries within 60 days. They have all said that they will send the request to all XXXX credit companies to remove. Nothing ever happens. In XXXX all of my inquiries were removed via XXXX XXXX but then they mysteriously came back and it has been non stop every since. I would like these inquiries removed once and for all. I am in the XXXX and I do not spend a lot of time in the states and while I am here I would like this to be taken care of. It has been months and I have had no response from transunion on the countless requests.
Seterus Inc. has taken over the servicing of our mortgage from XXXX XXXX XXXX. This company is harassing us through a barrage of phone calls when they deem the payment late. We sometimes send the payment in the first week of the month and although there is no penalty they claim it is late and that I need to pay it by the XXXX of the month. I never had this problem with XXXX XXXX XXXX. We had until the XXXX of the month before penalties were assessed. 
I have also been locked out of the of the website and to my amazement there is no direct # to call on the website. I tried one of their phone # s used to harass their customers and was redirected to the website. This is basically a company that has ear-marked customers and is out to get those XXXX XXXX XXXX customers that may have gotten in trouble with payments. 
The worst service and the worst treatment of customers I have ever encountered by a bank.
Pinnacle Credit Services , LLC located at XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX mailed me a fraudulent XXXX Tax Document which is bogus as I have never contracted with this company.
On XX/XX/XXXXmy wife and visited a Wells Fargo Branch in XXXX XXXX, FL and tried making a cash {$600.00} deposit at their outdoor atm machine. At first the machine appeared to be working normally but it rejected a single {$20.00} bill for some reason and then it suddenly shut down and the screen became dark. I checked the other machine adjacent to it and it had a out of order warning on the screen. To be sure I entered the branch and was told by one the banks rep that she was aware and that it was temporary system failure and it should be back on in ten minutes and that I had nothing to worry about. The following day I received an email message from XXXX indicating that they were aware of my transaction but it would take 2 business days to resolve. On XX/XX/XXXXat or about XXXX I received a phone call from a XXXX rep indicating that she was calling to knowledge the problem but that it would take up to ten days to be resolved. She also mentioned that she could not discuss any issues relating to the transaction and that she was just calling to knowledge my complaint.To date this {$580.00} deposit has not been credited to my account and I feel quite frustrated with what appears to be a simple fix.
Account was closed without notice and for no reason. I have not used the card for about 2 months and they suddenly just closed all my XXXX credit cards and the points associated with it. I have over XXXX XXXX points on my account. They can not advertise their rewards program and simply close your account once you 've accumulated a decent amount of points. Total bait and switch.Contacted XXXX and refuse to disclose any reason as to why.
XX/XX/XXXX my paychecks was supposed to be direct deposited into the card and it hasn't showed up. When I called Monday they basically told me that the issue was just that it took two days to get to the card. Then next time I called I was told it would be on the card by end of day Monday then told by Tuesday morning then Tuesday end of day and know they aren't answering the phones. My deposit would have been XXXX $ but I haven't received anything yet and this is now Tuesday evening.i have used this card for over a year and when I expressed concerns about fees being charged because of automatic payments not going through I was informed that it wasn't their problem.
I got an email this week stating that the company was gon na take XXXX out for a payment this week. Well they took double payment out because I am behind but I 'm still paying on it he best I can. Well they did n't notified me about taking double payment out this week.. they just went ahead and did it ... which when I called them they said I can bring up ur contract and the lady was snotty and hateful too.. They should at least let me know that they were going to take it out twice not just do it..
I had this car payment and was never late for XXXX years. In year XXXX I ran into hardship and moved to a different state due to a domestic voilance situation. After being back the car was repossessed. I was able to borrow money to get the van back. Mean time I was diagnosed with XXXX and been going through XXXX and XXXX treatments and been doing my best to pay the payments. There were times I would call the institution and was not able to reach anyone after calling cause being on hold for hours, or even not able to get a ring tone. So it was not let even through all that has been going on with my health hat I did not try. Even on my lowest my sister had called for me in early XX/XX/XXXX this year to try and get some information so that I could get help and they told her they could not give her any information. She just wanted to know how much more was owed on the van. That 's not personal information and should of been released to her due to if a car dealer would of called they would of told them and I would n't of had to be there. On the XX/XX/XXXX I was able to get someone on the phone and ask if there was anyway due to the fact that of in XX/XX/2017 the van would be at the be of the loan they could please work with me and that I was finished my XXXX and getting back on my feet with everything that has happened. I was told if I could come up with {$300.00} they would n't take the van. She did n't know when they were coming to get the van. Well later that night the van was taken. I was able to borrow more money they demanded in order to get the van back, went to the payment location, even though there was some miscommunication they could clearly see the payment was made it took one day after for everything was able to get situated. I get a phone call that I can go and get my van. When I call the to get the address so that I could go pick it up. I was told the van was on it 's way to the auction. The payment was made now I '' getting the run a round. I feel like I 'm a victim of a predictor lender that no matter what my rate will keep going up and no matter how hard I would try I will never be able to pay this van off. I already paid this car XXXX over I believe.
I had a credit card with capital one with a limit of XXXX last year in XX/XX/XXXX I made a large payoff of the statement which was XXXX. They processed the payment and I hade 2 reoccurring items on this card 1 being XXXX who placed a hold on my social and the other was XXXX. Well I since I thought I paid the card off I was not getting any of my card statements since I forgot about the 2 reoccurring transactions and I was fine with them since it was n't a large payment each month. 3 weeks ago while checking my credit report I saw that a few of my cards had closed my discover all because of this and the capital one card I am referring to. I spoke with a few people and the first person told me they are unable to do anything and that I responsible for the XXXX charge off. Well they put me collections and tarnished my credit all because I did not receive a statement for XX/XX/XXXX or XX/XX/XXXX and was told they do n't send out correspondence once they get a piece of return mail. so since a statement of mine was returned cause it was delivered to the wrong address the put me collections, messed up my credit that I have worked so hard for with so many disputes of other using my social to destroy my credit. Last night I spoke with XXXX who then told they are unable to do anything since I reoccurring items on my credit card but said they reached out to me though calls and I said yes and every time I would return the call the people on the other end would tell me it all looks fine disregard the calls they seem to be fraudulent, so I did not know that my card and credit were being destroyed by this credit card company. they had no problem taking my XXXX to pay them off, and sending me a collection notice once I found out about this and called but I have yet to see any statements come in the mail and was told they charged me the full interest and fees for the balance of XXXX after it was paid off!
We moved to  XXXX   XXXX , MA in  XXXX  of  XXXX . In  XXXX  of  XXXX  our house flooded due to a hurricane on the east coast. We were visited twice by a FEMA representative and eventually awarded c. {$17000.00} for damage repair to our house.     In the fall of  XXXX  I received a letter from FEMA stating that they had determined that we were not eligible to receive those funds because the house in  XXXX   XXXX  was not our permanent residence. It gave a number to call if there was a dispute and I called and explained that it was our permanent residence, our son was   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , and we had been living there and nowhere else since the summer of  XXXX . The person answering the phone for FEMA told me this was a mistake on their part that happened frequently and would be corrected.     In the winter of  XXXX  I received another letter from FEMA stating the same determination, with no changes. I called again and was asked to write a letter and submit proof that we lived there, at which time I sent a certified letter from the school stating our address had been verified since  XXXX . I heard nothing back.     In the spring of  XXXX  I received a letter from th e Dept of US  Treasury stating that they had taken over collections. I called them and was asked to send another letter and proof of residence to their address, which I did. I heard nothing back.     In  XXXX  of  XXXX  Iearned that my tax refund had been garnished due to this supposed debt, and I called again. This time I was given a DIFFERENT address, and I sent the same written materials. I heard nothing back.     This has been on my credit report now for over 2 years and I can get no response from FEMA or the Dept of Treasury, no matter what instructions I follow or whatever effort s I conti nue to make. It is impacting my financial well-being, as I can not obtain credit with these negative errors on my report. I have disputed with the credit agencies but, while this raises t he credit score, it this  still does not allow me to obtain credit of any kind.     Thank you for your consideration in this matter.
I have been in a constant battle with Equifax in regards to several things that are inaccurate on my credit report. There are three collection accounts being reported on my credit report which are medical. I have sent a validation letter directly to the collection agency as well as disputed directly with Equifax more than 30 days ago. Neither have provided me documents of verification of this debt. As a matter of fact, the collection agency never responded and Equifax just responded to my dispute that it had been verified without providing verification documents which i am entitled to via the FCRA. In this case, the items needs to be immediately deleted from my file as required by law until i am provided with verification. 

Also, there is a public record on file that is inaccurate. Equifax stated that they verified this with the reporting agency. I contacted the Bankruptcy court directly and was provided with a letter stating that they do not report nor do they verify anything with the credit Bureaus. There report stated that they used a company called XXXX XXXX which is a third party. I contacted XXXX XXXX directly to verify that they indeed certified that what was reported was correct and was told that they also did not verify anything because there is a security freeze on account due to the fact that I was a previous victim of identity theft and mistaken identity with someone with the same name as I.
On   XXXX   XXXX   XXXX     my Bank of America checking account balance was {$240.00} my balance on   XXXX   XXXX   XXXX     went up to {$280.00} witheout a deposit transaction made to the account. A similar error was made last month and caused my account to become overdrawn. I filled a complaint on   XXXX   XXXX   XXXX     (  XXXX  ) and, I have not heard from the bank yet.
I got a loan from  Security Finance i n  XXXX , Ga  XXXX  on  XXXX   XXXX ,  2014  and the account was paid off on  XXXX   XXXX ,  2014 . The monthly payments were only {$70.00} but i will admit finances were tight during that time. In those few months i was late 3 times but the manager told me that they would not report that it was late as i had a good history with them and have always paid on time. Well she lied and it did report and now it really looks bad on my report and its very frustrating. Also, when i paid it off, before doing so, i asked if they would remove the account completely from my credit report and they said they would. I should have known from the previous deception that i could n't trust this company but i took there word unfortunately and now i 'm unable to get certain credit cards and have a negative account against me on my credit. If someone could please just help point me in the right direction on how to get this account off of my report i would be SO grateful. Thank you.
AARGON VIOLATED THE " DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. SEVERAL UNFAIR, DECEPTIVE AND ABUSIVE PRACTICES, VIOLATING THE F.C.R.A. F.D.CP.A. AND XXXX COUNTS OF THE T.C.P.A. IN THE COMMISSION ODF COLLECTING CONSUMER DEBT.CALL US 2 TIMES AFTER CEASE AND DESIST AND FAILED TO CALL MY LAWYER. called XXXX on cell number. 

SEE ATTACHED
I was informed by XXXX XXXX XXXX XXXX I had been given a high risk status by Suntrust Bank. I have never been a customer of Suntrust Bank. I am concerned that this has been reported and is not accurate.
I had a credit card and was not able to pay for it due loss of work and explained that credit card company and they decided to send it to collection a screwed up my credit when I made numerous attempts to ask them to hold a bit longer due was not able to find work. It is not easy finding work in the state of Florida