WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, a consumer used his credit card to make a purchase he authorized with my business.There were 3 separate charges to his XXXX XXXX card which were processed through my merchant account with Paypal : XX/XX/2018 in the amount of {$820.00}, XX/XX/2018 in the amount of {$2400.00}, and on XX/XX/2018 in the amount of {$2500.00}. The total for the three purchases was {$5700.00}. XX/XX/XXXX the consumer did receive and use what he purchased and had no  complaints whatsoever. On XX/XX/XXXX the consumer mistakenly forgot about the charges and disputed the charges with his XXXX. As a result, Paypal immediately reversed charges and refunded the consumers XXXX XXXX card immediately withdrawing the {$5700.00} from my Paypal balance. After speaking with the consumer in regards to the matter, he acknowledged his error and contacted XXXX XXXX to again approve the 3 charges. I explained all to Paypal in writing. Paypal told me that it could take up to 80 days to resolve a chargeback dispute and that they would investigate the matter. Under the direction of the consumer on XX/XX/XXXX XXXX XXXX then dropped the dispute and reapplied the charges to recredit my account, sending the money back to Paypal to refund to me. I subsequently have contacted Paypal several times by email, phone and fax to determine when the {$5700.00} would be re-credited to my account. Paypal tells me they have not heard anything from XXXX and has received no money back from XXXX. I notified the consumer of this. He initiated a 3 way conference call with myself, himself and XXXX who verbally told me they refunded the money to Paypal to return to my merchant account XX/XX/XXXX. The XXXX XXXX provided the control number for the reversal transaction. Paypal continued to deny receiving any funds returned. On XX/XX/2018 XXXX provided me with a letter clearly stating they cancelled the dispute and sent the charge money back to paypal to refund me on XX/XX/XXXX. I forwarded the letter from XXXX to Paypal chargeback department yet they still continue to deny that they have received the money from XXXX. Paypal has conducted no investigation of the charge back. I have spoken with a supervisor at Paypal to help me get my money redposited into my account. Paypal is now wrongfully withholding my money for 90 days, despite my multiple attempts to rectify the situation. I've completed a Paypal online appeal process, I've called on numerous occasions, and each time have had to wait 2 to 3 hours to speak with a representative about this matter. Each time, I've been told that they have no updated information regarding the matter since XX/XX/XXXX when the original charge back dispute was filed in error. 



It is my belief that Paypal as a financial institution is behaving unprofessionally, fraudulently and is wrongfully withholding my money. I have complied with any and all instructed actions in an attempt to resolve this matter. I am filing this complaint in the hopes of receiving any assistance you can provide. I am forwarding the letter from XXXX stating they gave Paypal my money on XX/XX/XXXX.
Deposited 4 checks of XXXX each totaling XXXX I intended to deposit 2 into checking and 2 into saving however all 4 went into checking which I assume drew a red flag, I made my deposit on XX/XX/XXXX which was pose to be available XX/XX/XXXX however when I logged into my account it was blocked I then called XXXX who stated that my funds required an additional hold and that funds would be made available XX/XX/XXXX my account would remain locked til that time, however on XX/XX/XXXX I logged into my account and it was still blocked I again called XXXX which then stated that my account would be closed due to federal rules and regulation and that I would received my remaining funds in a check from SunTrust however when I received my funds they were only for XXXX?? from checking and XXXX from saving reached out to XXXX again for the deposit of XXXX was never sent they then stated my deposit was fraud and would not be released until XX/XX/XXXX because they were unable to verify the checks deposited into the account although the checks Cleared my account and the check issuer XXXX XXXX have not stated that the funds did not belong to me nor have recalled payment of those funds from this account. Filed complaint with CFPB who put me in touch with XXXX XXXX SunTrust a SunTrust Client Advocacy Team who never answered his phone to hear my side only responded with an email stating he decided to stand by his company decision to retain my funds til XX/XX/XXXX unless I provided a credit card statement for each transaction which is unable to be provided per issuing company XXXX XXXX these are refunds from gift cards which are unregistered however they ( XXXX XXXX ) have stated they can provide validation verification of the funds issued to me to SunTrust Bank however SunTrust stated that XXXX XXXX  need to recall and reissue the funds which they have no way of doing once the funds have been issued off the gift card, and will not provide nor accept the information needed to verify the funds
I have a file # XXXX from XXXX/XXXX/2012 XXXX Credit Report. My case is this my parents were both ill at the same time, and I was running errands for them, so my mom ordered another credit card from her credit card Sears/Citibank for me so I could get groceries and pay bills for her. When my father passed away she was still left with many bills and XXXX for awhile, she had to banckrupt, and when she did since she had ordered a new card for me, I got stuck with a bankruptcy on my credit along with my husband, I wrote to the company and they never replied. I never signed any contract with Sears/Citiban, am I still liable for this?
I have submitted multiple requests ( via certified mail ) for validation of the debt being reported as a derogatory account in my credit file by CITI/CBNA using acct # XXXX ( as shown in my credit file ), in which CITI/CBNA reports in my credit file that I owe {$3300.00}. I have no knowledge of this account and have disputed the validity of the derogatory information being reported to the credit bureaus. I have requested that CITI/CBNA validate the account as being mine, which they have failed to do and have not responded to any of my repeated requests. I have attempted to assist CITI/CBNA with correcting their records to ensure they cease and desist the reporting of erroneous information to the credit bureaus. None of my requests have been answered, and I have not received a single reply from CITI/CBNA regarding this account, but the account shows as verified on my credit report after contacting the credit bureaus about it.
My daughter was attending college up until XXXX, I had moved from Minnesota to Virginia in XXXX. In XXXX I pulled my credit and noticed there were derogatory reports on my credit report from a " nelnet ''. I had no idea who or what this was. So I called the company and asked what the issue was and why it was being reported to my credit report. After going through verification the customer service representative got rude, was swearing and threatening me. I again told XXXX that there was no need to use such language or threaten me and was happy to work with them to clear this off my credit report since I was unaware of this bill. XXXX did not have my recent address since I had moved out of state. When I had updated them with the correct contact information the calls came all hours of the night as shown by my cellular records after repeatedly telling them not to call. My first request to cease and desist was XXXX of XXXX, yet the threating phone calls kept coming in getting me all worked up. The reports that XXXX have made and continue to make to my credit are false, when I explain to them it was an oversight and try to correct it, XXXX again starts swearing and telling me that they are there to ruin my credit scores across the 3 bureaus and make sure I do not obtain a good paying job of any kind. In fact when I have tried to work with XXXX to get this paid off in full so this does not affect my job search the customer service lady laughed and suggested that I go work at XXXX.
this account is a fraudulent account and was from identity theft but it is reporting on my credit and this company has this frauudlent account on their records
In XXXX XXXX I signed up for bankruptcy. Unfortunately due to financial hardship, I declined the bankruptcy option. My case was dismissed XXXX XXXX, XXXX. Equifax is currently incorrectly reporting Bankruptcy case # XXXX ( see attached bankruptcy file ). They are reporting the bankruptcy was filed in XXXX XXXX.
On XXXX/XXXX/XXXX I responded to a final notice from advocate health care by phone and talked to XXXX at XXXX and asked for a payment plan of XXXX month paid bi-weekly XXXX told me she would have to refer the matter to management and would call me back with an answer.I never received a call so i sent a XXXX payment via : money order # XXXX on XXXX/XXXX/XXXX I called again on XXXX/XXXX/XXXX and talked to XXXX at XXXX who said was sent a letter agreeing to payments of XXXX bi-weekly and informed me my account was sent to collections and could not be returned.I complained I was never called as promised or told to look for the decision in the mail. XXXX transferred me to XXXX where i spoke with XXXX who told me I made a payment on XXXX/XXXX/XXXX and the account was sent to collections on XXXX/XXXX/XXXX I informed her my money order dated XXXX/XXXX/XXXX was mailed on the same day XXXX/XXXX/XXXX. XXXX informed me she would send a email to the in house self pay unit who would contact me in XXXX hours this was XXXX on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX I received a letter from a collection agency dated XXXX/XXXX/XXXX with a threat to seek judgement from me for the full balance not minus my XXXX payment. I went through my mail and found a payment arrangement letter from XXXX dated XXXX/XXXX/XXXX that demands a minimum payment of XXXX not the XXXX bi-weekly payment i asked for.I still have not heard back from the " in house '' self pay department.
In XX/XX/XXXX I was sold an interest only jumbo mortgage from Wells Fargo. Due to a divorce I attempted to sell the property, I owed XXXX at the time, the home value thru a Wells Fargo BPO came out approximately at $ 750K in XX/XX/XXXX. I applied for the Mortgage Modification Program XX/XX/XXXX. 
Paperwork went back & forth until XX/XX/XXXX when I discovered that Wells sold my loan to XXXX XXXX XXXX XXXX during that time frame for approximately $ 750K without responding to my modification request. Then XXXX XXXX XXXX ( XXXX ) sent me a loan statement saying I owe $ XXXX. After Wells Fargo took the tax deduction for the difference ( $ XXXX $ XXXX $ XXXX ) tax write off for Wells Fargo , they left me close to $ 250K underwater based on loan to value! Also, the mortgage contract stated I could not execute a short sale without the investors ' permission with them having the last word. If Wells Fargo would have worked with me and modified my mortgage loan balance equal to what they sold it to XXXX XXXX XXXX XXXX for I would have been able to keep my home. Instead their WICKED move left me $ XXXX buried and they took the tax deduction. Now XXXX XXXX has put my mortgage into a mortgage backed bond managed by XXXX XXXX. They have rejected 3 short sale offers and counter offered one buyer $ XXXX when the BPO came out at $ XXXX. They ran the buyer off! At this point I am stuck in limbo with my credit and livelihood in jeopardy. Attached is a letter I mailed to XXXX the current loan servicer. I would appreciate your assistance in this matter.
I Called Grant & Weber on XX/XX/2018, to setup payments, collector said that the debt is too old they will only accept payment in full or payment in two installments. Advised I can't afford to pay {$1500.00} twice. Said they won't take anything less and if I don't pay it'll adversely affect my credit and they will continue to report that I'm not paying. They suggested I use my tax refund to take care of this. When I advised them I pay taxes and do not get refund the collector said " you pay taxes but you can only afford {$100.00} per month! '' They treated me horribly when I reached out to them in an attempt to pay!
" " '' I have disputed this collection on this UNKNOWN XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Experian is reporting XXXX bankruptcy forXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX that I never file. 
I have contacted The Court, said computer error and they did not verify or validate with Experian, see attached letter from Court.
Acct # : XXXX Dear XXXX XXXX XXXX, I have received a Medical collection letter from you regarding a debt in the amount of {$180.00}. Though the letter is dated XX/XX/XXXX, I have only received it in XXXX and by XX/XX/XXXX it was already added to my credit report which has  grossly damaged my credit. The letter that you provided was the first letter of it's kind that I received from you and I did not have enough time to accurately verified if the debt is legitimate. I did not know of this debt before nor did I received any information about this debt until now. {$180.00} is a such a small amount and could have welcome the opportunity to resolve the matter before damaging my credit.
I wrote letters to XXXX XXXX and XXXX asking them to investigate and REMOVE the inquires form my credit reports from XXXX BUREAUS because they were hard inquires and there was no basis for the inquires. I did not apply for anything with XXXX XXXX. It has already been investigated and the still want 60-90 days for this to be removed but it should not have been there in the first place. I have attached supporting documents.
I have had a personal loan for several years. It was originally through XXXX XXXX and then was transferred to Ditech. A notice was sent to me on XXXX XXXX, XXXX stating that our loan was being transferred to XXXX XXXX XXXX The notice stated that " Ditech will stop accepting payments received from you after XXXX XXXX, XXXX. '' I called and made a payment to our new servicer on XXXX/XXXX/XXXX and the same day noticed a second charge for the same amount for an ACH payment. I called Ditech and was told the automatic payment was not cancelled. I let them know I am unable to afford a double payment and need this corrected and reiterated that their notice stated no further payments would be collected by Ditech. I requested to speak with a supervisor. She put me on hold and kept checking back with me and asked if I wanted to request a call back which would take up to 48 hours. I told her I needed this resolved ASAP. 

I continued to hold until she let me know her supervisor was now available and said she would transfer me to her. She transferred me and it went straight to a voicemail for a XXXX XXXX. I left a voicemail stating my issues and let her know I needed it resolved ASAP.
On XXXX XXXX, 2008, Countrywide Home Loans , Inc., a subsidiary of Countrywide Financial, sold Countywide Home Loans Servicing, another subsidiary, to NB Holdings, another subsidiary that was wholly owned by Bank of America Corporation. Bank of America Corporation paid Countrywide Home Loans , Inc., for this sale by issuing it a note for XXXX. Countrywide Home Loans Servicing was the actual subsidiary of Countrywide, that serviced almost all of Countrywide 's mortgage loans. 

Bank of America Corporation assigned a mortgage without the note twice to its own foreclosure department by hiring and using XXXX XXXX, XXXX to twice to fabricate XXXX Assignment of Mortgages within six months of one another, which is impossible to FOR VALUE RECIEVED to happen twice, when supposedly the FOR VALUE RECEIVED already transpired. 

Open both attachments!!!
On XX/X/17 I received an email from XXXX XXXX stating that my application for a loan had been denied. The email contained numerous pieces of personal information including my name, home address, and credit score via TransUnion. I have never sought a loan from this company and have never authorized any hard credit pull of my account by them.
I filed Chapter XXXX Bankruptcy XXXX/XXXX/XXXX due to over using my credit cards for living and medical expenses while waiting for Social Security XXXX Insurance from an unresolved work injury and not being able to work and pay bills. I had a vehicle loan with Huntington Bank starting XXXX/XXXX/XXXX and chose to list it as Exempt Property on XXXX and to Retain and Pay on the Debtor 's Statement of Intention. I continued to pay and they accepted regular monthly payments until I paid it in full XXXX/XXXX/XXXX, 24 months early. They continue to list my vehicle as " Debt Included in Chapter XXXX Bankruptcy '' and " Discharged through Bankruptcy Chapter XXXX '' although it was n't and was paid in full.
My personal phone, and the personal phone of my son are being harassed by call centers that I'm assuming to be associated with Nelnet or XXXX. The person that they are calling and inquiring about is my son-in-law. I, nor do my son have any responsibility to this person 's debt, and all of the payments for any of my children 's debt that I have co-signed for are fully up to date. I don't understand how my son would be harassed by these tactics nor do I understand how they would associate him with my son in law without cross-referencing them through different accounts that we are associated with.
I 've contacted XXXX and the 3 major credit reporting agencies several times in an attempt to have incorrect information updated. XXXX has added and removed balances only to add them again. Proper notice was n't given when this was done. They were unable to provide me with the necessary documentation proving that I was actually late making a payment when I asked within the legal timeframe. They 're also reporting inaccurate information about my payment history to both of my XXXX accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have the correct contact information and I was not able to be notified about extending my forbearance. An extension was granted, but they still reported late payments during a period when no payment was due XXXX XXXXXXXX XXXX and XXXX XXXX ). I respectively ask that the late from XXXX XXXX to XXXX XXXX be removed and set to current. As soon as I contacted XXXX they notified me that my loans were in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting practices.
Previously XXXX XXXX in XXXX, Tenn are using deceptive practices against customers they cant collect on and pulls their credit report for their revenge. Recently I had a fraud alert placed on my account XX/XX/XXXX and updated my NEW address in the state of GEORIGA where Ive resided since XX/XX/XXXX. Security Finance on XX/XX/XXXX pulled my credit report using my old information on file and phone number and obviously did not know I had an alert on my credit report. I did not authorize this inquiry and I would like for them to be audited to see if others may have been affected by this issue. After making this statement I will be calling the credit bureaus to dispute and have removed off my credit report. I did not authorize Security Finance in XXXX XXXX to pull my credit on XX/XX/XXXX XX/XX/XXXX
In correspondence dated  XXXX   XXXX  ,2017 I ma iled this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
this is a continuation of complaint # XXXX now today I get a phone call on my cell phone from a man who says he represents XXXX XXXX XXXX XXXX who now have this account from XXXX XXXX. 
Stating again they are representing HSBC. 
this man openly admitted the account is 9 years old and when I asked him what Statue of  Limittations were in California couldn't give me an answer. 
he wanted me to accept a XXXX for the debt in which I refused and hung up. 
I would like action taken against this company and XXXX XXXX. for selling my personal information. 
I constantly have to worry about Identity theft due to HSBC 's lack of following good collection practice.
To whom it may concern. 
I have Checking, Savings, and Mortgage accounts with Chase Bank. 
On XXXX/XXXX/15, a day prior for leaving for XXXX I called Customer Service and notify them about my travel plans. I told Customer Service that I 'll be renting a car in XXXX XXXX XXXX on XXXX/XXXX/15. I wanted to make sure my debit card will work. Customer Service representative promise to unblock my accounts for use in overseas. So I went. 
However, upon my arrival in XXXX my card did not work. I found myself in embarrassing situation, when clerk of a rental car company was swapping my Chase Card and getting " insufficient finds '' status. 
I felt like a criminal with everybody 's looking at me, like I 'm trying to cheat the company and people for their money. 
I start making collect call to US Chase bank using phone number provided on a back of my card. I have no other ways to research other phone numbers ; I was in XXXX with no internet access. 
I reported to Customer Service that my card is n't working ; funds are not getting released to Rental Company. Customer service apologized for inconvenience and released the funds from my account this second time. 
These are all happens while I stay on a phone with XXXX Chase bank, calling from overseas. 
Few days later, I received a phone bill from XXXX XXXX XXXX with {$85.00} long distance charge. I wrote Chase. They refused to credit my account. 
Let me point out that I only make XXXX phone call to fix the problem with Chase card, the XXXX problem Chase did not solve when I ask them to. They mistake cost me time and money, not to mention extremely unpleasant situation at the rental office. 
This is not the first time it happens. I 've been in a lot of situation with Chase, when I could not trust information provided to me by Customer Service, incompetence is too high, so I have to call again and again to verify information they give me from the first time. 
This time it cost me additional {$85.00}, which I beleve should be coming from Chase funds, not mine. 
I did everything in my power to avoid charges. I refuse to cover Chase mistakes.
We have tried to communication with our investor on the XXXX lien. XXXX lien Collectors have refused to provide information.
ASSET RECOVERY ASSOC. Inc. called me several times, and has sent me letters saying that I owe them {$4400.00} on a a credit card I closed over 10 years ago. I checked my credit report, and they obtained my credit history in XXXX. They said that they would take legal action if I did not pay. According to my credit reports, I owe no debt from this company. The FHA did a thorough vetting of me in XX/XX/XXXX, and I paid all outstanding debt. These are scam artists.