WillisBack/dataset-financial-user-claim huggingface dataset:
I made a transfer of {$1200.00} from my PayPal account to my checking account on XX/XX/18. On XX/XX/18 I was notified that the transfer never went through because my bank account ( that I use every day ) was closed. Since there is no reasoning with idiots in XXXX, I reset two bank accounts with PayPal and made the transfer again on XX/XX/XXXX. Again the transfer never went through. Their answer was, wait 24 hours. After 24 hours, when the transfer did not go through again, their answer was, wait 24 more hours. On the third day when the transfer did not go through, I demanded to speak with a supervisor, who in broken English told me to " wait 24 hours ''. After that, I scoured the internet for telephone numbers of PayPal offices in the USA and found a list. Most numbers were  disconnected but some were still executives of PayPal, who never returned any of my messages. Since then, I have tried & tried & tried to contact someone with Paypal who has a brain, but unfortunatly, there is no one there. On XX/XX/XXXX and XX/XX/XXXX I received a few emails telling me to wait 24 hours and another saying my bank account is closed. At this point I have cancelled further listings with XXXX, for fear that additional monies may go into my PayPal account. I simply don't know where to go from here!
Threatened to be at our home in a few minutes to serve papers, called family members and threatened to go to my work. Repeated calls for weeks. A collection agency trying to collect money for services we never received.
I have tried to get three credit bureas to send validation on accounts on my credit reports only to get reports back saying that the accounts have been verified. This is not validation. Asking for signed documents of my signature on accounts that have been disputed by me. Accounts were disputed three times since XX/XX/2018 thru XX/XX/2018 and credit bureaus say they are verified. Need validation on accounts or remove from credit report. XXXX : XXXX XXXX judgement for possession of apartment only, no money judgement by court, this account is reporting as deceptive and unfair practices. 
XXXX XXXX no validation, statement is account has been transfer/sold. XXXX  XXXX no validation on account creditor sent out deferred payment agreement on account that has not been validated.XXXX has same accounts XXXX XXXX, XXXX XXXX, XXXX   XXXX, and also Bankruptcy chapter XXXX that I have letter from Bankruptcy court that they do not verify information with credit bureaus.I also have placed a freeze on XXXX.Experian has XXXX XXXX, XXXX XXXX, XXXX XXXX, and Bankruptcy chapter XXXX. Documents attached. Thank You. 
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I have an account open with the company Coinbase where I bought {$300.00} of bitcoin at the price of {$9600.00} per coin, so I received XXXX bitcoins. I noticed that on XXXX XXXX, when I tried to log into my account it said " your account is temporarily disabled '' and I was unable to log in to my account. I contacted the Coinbase customer service line, XXXX ( XXXX ) XXXX and spoke with a representative who said " Some red flags were raised on your account, but I do not know what they are, I have forwarded your case on to a specialist who will work with you to reopen the account ''. Since then I have received no contact from the website that would indicate that they are working on my case. I called again today XXXX XXXX, and spoke with another representative " XXXX, '' he said that he raised the priority of my case and that I would receive some type of response before Monday. It is a bitcoin exchange, and due to the time sensitive nature of fluctuating bitcoin prices, I need to be able to log in if I want to sell my bitcoin. I have read on the internet that many people have this problem ( i.e. " account temporarily disabled '' and Coinbase taking multiple weeks or months to unlock their accounts ). I find it highly distressing that Coinbase is not working to resolve this issue expeditiously. And I stand to lose money if the price of bitcoin goes down and I am not able to sell my units.
An interactive website of Bank of America ( BAC further ) recommends me to apply for credit cards as limited time offer ( screenshot is attached ). And on XX/XX/2018 I submitted my application. In a few minutes later I was informed that BAC needs to gather more information to make a final decision. 
On the next day, I expected that someone from BAC will reach me either by phone or email to gather more information ( proof of employment etc. ). No one contacted me. On the next day I have reached BAC customer service and asked about my application status and explicitly told that if there are problems with my application, - I would like to withdraw it. Customer service representative placed me on hold and then transferred to another person from the credit card department. He told that he reviewed my application and denied it since I have filed bankruptcy within recent two years.

I am not criticizing this BAC policy and accept it. However : 1. If my application is clear reject why I received a message about gathering more information instead of receiving an honest answer right away?

2. BAC system is fully aware of my finical situation ( I have here direct deposit and Platinum tier of Preferred Rewards ). Why BAC interactive website offers me limited time offers that by default will not be approved? It is like advertising an alcohol to underage kids or ice cream for diabetics. Unethical.

3. My request to withdraw my application - if something is wrong- was neglected. Why? I have clearly expressed it.

4. I was not aware of this BAC policy since limitations/restrictions were not posted by BAC in credit card advertisement page.

In the summary as the result of BAC misleading advertisement - I received the negative record, FICO score drop, 2 days of waiting and frustration. All of this was possible to prevent. 
Even after my application rejection, the BAC system continues to offer credit cards to me.
I have been dealing with this nightmare for 9 months now.   I purchased  XXXX  mattress sets from   XXXX   XXXX  . They say if you do n't like the mattresses there is a full money back guarantee minus {$150.00} for pick up as long as all is handled within 30 days. I returned  XXXX  set to the tune of {$1600.00} and paid the {$150.00} for pick up.   XXXX   XXXX   had just this  XXXX  bed on it ... the other  XXXX  were paid in full at time of purchase. This was  XXXX   XXXX ,  XXXX . Come  XXXX  of  XXXX  I was in a dispute with    XXXX   XXXX  ,  who kept sending me to  XXXX   XXXX . On  XXXX   XXXX ,  XXXX    XXXX   XXXX      sends me a  XXXX  balance with a letter that copies off to  XXXX   XXXX   XXXX  Stop billing. It is now  XXXX   XXXX ,  XXXX  and   XXXX   wo n't stop billing me ... I have a past due balance of  XXXX  that they want to negotiate with me and keep  XXXX  on fees that I did not incur ... I fax them the full package of information every single month. No response ... just a new bill every month.
Ok so I have been actively working on all 3 credit reports since XX/XX/XXXX to establish and correct any inaccuracies. I have had a terrible time getting things in order with the credit agencies. XXXX  has been a nightmare and complaints for them have been filed. XXXX has no score generated for my idenity. I think this is unfair reporting & caused me unfair credit opportunities un the FCRA. I have always paid my way in my XXXX years of life not knowing the importance of monitoring my credit as an adult. I did not feel the need to credit knowing the cash flow was keeping me stable. I'm older now and have been on XXXX since XXXX. I now have been enquiring of credit to help my life style. I am not getting an equal fair chance to establish revolving credit mainly because the agencies I have accounts with do not report to all three credit monitors. I have made requests for this to change and was denied. I'm getting XXXX per month to live on and can not do a deposit on credit that would take away from available money. I'm in need of possible credit to add to available funds that can be paid on the first with my one other expense I currently have. My lack of information should show in a good perspective that I'm responsible not to have exhausted my resourses by asking for to much credit. Is there anything that can be done that may give me a shot at fair credit chance? I dont care if the generated score is next to nothing I just do not think that by the FCRA and the fair equal credit opportunities this kinda treatment just does not fit the script as Fair! I'm confused how foriegn citizen 's that arrive here as adults can get fair credit chances with just submitting paper work even without a social.I 'm born in the USA & seem to be categorised as some kinda gamble to creditors for losses or gains. ( I read an article ) I hope our system is not set up to determine our financial history at birth by our given names and social security numbers. The credit agencies do business with our personal information across seas in the XXXX and that does not seem appropriate however we tolerate it. I'm sorry in advance but please help me get the 3 credit agencies to combine the good and the bad equal between the 3 agencies so I will generate a fair score to allow credit opportunities for once in my American life. Please? Thanks
USAA Bank would not give me a legal department phone number to discuss a recent bank Levy on my veterans benefits. I advised them they were disregarding Federal Regulation as of XXXX XXXX 2011 that advises banks they can not garnish freeze or Levy an account in amounts of a government direct deposits. According to this regulation it is there sole responsibility and obligation once a garnishment notice is received to look back two month to insure there are no governments direct deposit for XXXX of any type to which can not be frozen and it is their obligation to notify the party that is attempting to freeze the account for the amount that can not be Frozen. USAA Representatives failed to pass me on to a supervisor advising they were not available and also they refused me any contact to their legal department as well as refusing to remove the freeze on my account of my veterans benefits which is the only direct deposit ever made since his account was opened
The amount left on my loan for XXXX 2015 is XXXX. I made my mortgage payment for the month of XXXX 2015 in the amount of XXXX. That was suppose to be used for the monthly payment of XXXX and a EXTRA principal payment of XXXX to be applied towards the principal only, as I clearly stated on my monthly payment coupon and on the bottom of my check. [ # XXXX XXXX When I received XXXX 2015 payment in the mail the amount left on my loan was XXXX which was correct. I made Octobers payment [ check # XXXX XXXX in the amount XXXX, which was broke down as XXXX with a EXTRA principal payment of XXXX to be applied towards the principal only, as I clearly stated on my monthly payment coupon and on the bottom of my check. Now at this point when XXXX payment was made the amount of my loan should of dropped below XXXX. But on XXXX my account on XXXX website shows that my loan amount is XXXX and that same amount is shown on my XXXX 2015 payment coupon I received in the mail. THIS IS CLEARLY WRONG. On my XXXX statement it shows a XXXX amount and XXXX unapplied funds. My Account on line shows that my next payment is n't due until XXXX 2015, so it appears that Ocwen went into my account reversed my principal payment and applied it towards the following months mortgage. I have tried to settle this with Ocwen XXXX different occasions, on the first occasion they sent me a letter that makes no sense at all. In that letter they say that I " requested them to provide the payment option available on aforementioned loan and breakdown of each payment option. '' They still have not responded to my second request. Ocwen has also raised my interest rate from 3.87 % to 4.00 % I am not aware that the feds have raised interest rates as of yet.
Identity theft accounts/ XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
I am currently going through a bankruptcy and I was told by my lawyer to have any debt collectors call them. I informed Navient on my federal and my private loans of this information back in XXXX 2016. They are now calling me harassing me for payment, they have also sent my private loan to the collection department. When I tell them that they are to contact my lawyer they now are telling me that there is nothing on file and that they are allowed to call me. I told them to pull the phone calls and go back in there records, they are refusing to do that and are still continuing to harass me. They are also contacting me by mail. I have ceased them from calling my cell phone and they are continuing to call me. When you received the default notice I called the Navient phone number on the notice and again gave them my lawyers information ; and they are still continuing to call and harass me for payment. They have violated the FDCPA several times.
I request to remove impound account 2 months after I have closed the loan with voluntary impound account, the servicer told me it's company policy to wait until 12 months of on time payment and it does not need to be on loan docs even if my request should be good otherwise. I don't agree with this explanation and request CFPB to judge on this matter.
I applied with CitiMortgage, the servicer, in XX/XX/2015 for loan modification - particularly for interest rate reduction from current nearly 7 %. After I provided them with all documents they asked, they would change the customer service representative and the new one will ask for everything again. This has been going on since XXXX, 2015. I do not think they want to reduce the interest rate and want the program to expire. 

My property address is XXXX XXXX XXXX, XXXX, MD XXXX. The loan # is XXXX.
I am writing to request several credit inquiries that were unauthorized be removed from my credit report. On XX/XX/XXXX, I received a copy of my credit report and became aware of multiple inquiries that I did not authorize. They are as follows : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX T XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX -XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -XXXX XXXX   XX/XX/XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

In keeping with the Fair Credit Reporting Act, I am asking that my claim is investigated and any and all unauthorized inquiries removed from my credit report. I would appreciate a copy of my credit report once the inaccuracies are removed. 

Thank you for your consideration in this matter. Should you need to contact me, my email address is XXXX Sincerely, XXXX XXXX
There is an account that I never opened spoke with the company which is XXXX XXXX and confirmed this should not be listed on my credit file and also Equifax has inaccurate personal information, there response to my dispute states XXXX XXXX which is NOT me my name is XXXX XXXX. Please help I have disputed with no changes on anything. I can not make a financial move I need to because of the inaccurate items
A Civil Complaint was filed against me on XXXX XXXX, XXXX by Capital One ( USA ) N.A. with the District Court in the amount of {$4500.00} plus court costs at Docket Number XXXX. The disposition of that hearing was Judgment for the Defendant. A copy of the Award is attached. 
Capital One ( USA ) N.A. Appealed the Magisterial District Judge 's Judgment on XXXX XXXX, XXXX to the Court of Common Pleas at Docket Number XXXX, which an appeal hearing was held on XXXX XXXX, XXXX. The Court of Common Pleas again found Award for Defendant against Plaintiff, Capital One ( USA ) N.A. A copy of the Award is attached. 
Capital One ( USA ) N.A. did not appeal the decision of the Appeal from Common Pleas Court and their decision in the case stands. 
I had noticed XX/XX/XXXX that Capital One was still reporting their claim negatively to TransUnion Credit Bureau, which is attached. I filed a dispute with TransUnion and Capital One sent me a letter seeking additional information. I responded to their request on XXXX XXXX, XXXX. A copy of this correspondence and the Certificate of Mailing is attached. 
Last week I received a XXXX from Capital One indicating that " because they canceled or forgave {$600.00} or more in principal debt to you, we 're required by the IRS to send you a XXXX tax form. Since this matter was adjudicated against Capital One ( USA ) N.A., I contact them as to why I receiving the XXXX. I spoke to XXXX XXXX at the number that appeared on the XXXX for questions. She advised me that Capital One ( USA ) N.A. made a business decision to file the XXXX with the IRS and advised me to contact the IRS. I tried explaining to her that it 's impossible to for forgive or cancel a debt that was never owed. Additionally, I tried to explain to her that this matter had been litigated to finality and that Capital One did n't prevail in the litigation and offered to fax or email her the Appeal Award for the Defendant from XXXX County Common Pleas Court. She again explained to me, in a now rude and condescending manor, if I did n't like their decision, contact the IRS. I requested to be transferred to someone else that could further discuss this matter. She transferred me to XXXX XXXX in the Disputes Department. 
I explained to XXXX XXXX the purpose of my call and she placed me on hold for multiple minutes and then reinstated that Capital One 's position in sending the XXXX was that the case was withdrawn with prejudice. I offered her the documents in the case, but she declined since the information she had was from their legal department and they had every right to notify the IRS of this situation and they will not rescind or provide a corrected XXXX. 
It appears that Capital One 's actions are punitive.
XXXX   XXXX , i have received some documentation from aspire.     however, i have NOT received what i am requesting.     the information is NOT in chronological order.     the information does NOT contain a complete breakdown and explanation of fees charged, etc.     i find it interesting, that you suggest i contact companies that are either ones that aspire acquired and/or are no longer in business.     i have attempted repeatedly, to get assistance from the customer service department about my loan, all to zero avail.     i completely dispute the amount you are reporting or reported that i owe.
On XXXX XXXX 2015 I called Santander bank and received information about opening a checking and savings account. They told me to come into the bank and I could open an account the same day. I brought all my necessary documents and filled out the paper they provided me with. They asked me if I wanted to make a deposit to my new account and in turn I gave {$130.00} cash. After taking my money I was then given a receipt with a business card stapled to it and told to call tomorrow to receive an account number. 
I was stunned by this because I was hoping to receive my account information that same day. I was also confused as to where my money would be going if there was no account information provided? I just went along with it because I had never done banking with this bank before and I was unaware of their practices. 

Today I called the business card stapled to my receipt as I was told to do and I was then told to call back in a couple hours, that the branch manager was working on my account. I got frustrated and called Santander customer service and they informed me that it was not standard practice to take a customers money without providing them with an account number. They also said the branch manager would contact me but i requested to be transferred. When speaking to the branch manager I was told I could not be allowed an account and she provided me with no reasons. I was very confused by this. The branch manager was beyond rude even raising her voice at me. Aside from that I was just frustrated that she was asking me to come and pick up the money. I told her I was moving today and she said with an attitude well we will just mail you a check. 
My compliant is really about them taking the money in the first place. I 'm a social worker so I do n't know about the rules and regulations that banks need to adhere to, but I believe they should n't be able to take someones money without first approving the account and also providing that customer with an account number. 
I work really hard for the modest salary I 'm paid and now because I 'm moving and ca n't make it back to that branch I 'll have to wait for check to be mailed to me. 

I 've never in my life had to file a complaint but I am willing to do this today in hopes that it will not happen to someone else.
Flagship Credit Acceptance is not withdrawing money to pay my auto loan and they keep sending non payment emails to me. I have checked with my bank ( XXXX ) and they have had no request from Flagship to withdraw the money. 
Flagship will also send me confirmation that money has been received but it was never removed from my account. 
I have been trying to pay off the loan in full and receive the title but have been unsuccessful.
I was the seller in a transaction that closed on XXXX XXXX. I am concerned that I paid a principal reduction for my buyers of {$1900.00}. Is this acceptable to put in the closing cost for the seller to pay. My contract states " Seller will contribute 3 % to Buyers Lender 's Fees and/or Buyer 's Title and Escrow Fees excluding cost which Seller must pay pursuant to loan program requirements. '' It does not seem right to pay a principal reduction for the buyer. This is not a lender for or a Title Fee. Thank you for your time. 

I am wondering if there is something to protect the sellers when it comes to these types of situations.