WillisBack/dataset-financial-user-claim huggingface dataset:
I am XXXX. I will try to get my point across. In the beginning of the year, I used PayPal ( PP ) to purchase XXXX women 's hoodies and XXXX pairs of women 's XXXX athletic pants. They were XXXX separate orders. XXXX hoodies/XXXXpants for me & XXXX hoodies/XXXX pants for my sister. After PP was paid the money for these XXXX items, the started going into my bank account and taking more money out in usual amounts. An example would be like {$14.00}. They then put the money back the same day. Then they took some more money out of my account for no reason. I went to my credit union. XXXX. XXXX XXXX called PP each time and they would replace the money again. I still think that PP may have charged me for an extra hoodie & pants too. Now, they 're saying I owe them money & if I do n't pay them {$25.00}, they 'll send my information to my a credit bureau. 
The PP argument is that when I purchased something earlier from XXXX XXXX via PayPal, it cost PayPal {$25.00} b/c PayPal essentially says it paid XXXX the {$25.00} amount before they got the money out of my account. My SC XXXX XXXX XXXX " may have '' rejected PayPal because they knew everything that PayPal had been doing in fer. to taking my money out and only replacing it wen they were continually caught. This whole thing has my head all messed up and stressed out. Is there anything that I can do about any of this confusing mess. If I really owed them any money, then why did they replace the money they were stealing out of my account every single time? I feel helpless. My anxiety levels are really high because of PayPal 's treatment. Thank you for your time. XXXX XXXX XXXX ( XXXXXXXXXXXX ) This following is the latest correspondence from PayPal : Dear, The negative balance in your PayPal account is due to a failed banktransfer from a transaction. The payment was sent to the seller however, your bank account was never debited. In order to remedy the negativebalance situation it is imperative you arrange to fund your PayPalaccount to XXXX or a positive amount at this time, to avoid furtherdisruption to your PayPal online payment services. If this negativebalance is the result of an open dispute, please log into the ResolutionCenter on your PayPal account, to resolve the dispute. 
To add funds via electronic bank transfer : Go to the PayPal website and log in to your account. 
Click " Add Funds '' at the top of the page. 
Click Transfer Funds from a Bank Account linkFollow the on-screen instructions, and transfer money to your PayPalaccount in at least the amount of your negative balance. 
If you do not have access to your account or prefer not to pay on line, please mail your payment in the form of check or money order to : PayPal, Inc. 
Attn : AccountingP.O. XXXX XXXX, XXXX XXXX USAMake your payment payable to PayPal and include the email address listedon your PayPal account in the memo area. Please allow 10 business daysfor a personal check to be posted. 
Sincerely, Risk OperationsPayPal
skopos financial lost XXXX of my payments made in XX/XX/XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XX/XX/XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX ) speaking to them verifying the payments were made and on what days. Skopos Financial refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. Skopos also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against Skopos Financial concerning the documentation that I nor the primary borrower received with the XXXX, XXXX. Skopos Financial claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. As a last resort I sent Skopos a repo dispute letter on XX/XX/XXXX, which I have enclosed yet it is XX/XX/XXXX and I have not received a response from them.
XX/XX/XXXX XXXX XXXX CST, SPOKE WIT XXXX  WIT XXXX XXXX XXXX WAS ADVISED 2 ACCOUNTS IN COLLECTIONS : XX/XX/XXXX {$83.00} WAS ADVISED XXXX   WAS GIVEN AND XXXX  FOR XXXX, ( HIPPA VIOLATION AS I AM NOR HAVE EVER BEEN PATIENT ) XX/XX/XXXX {$1600.00} WAS ADVISED XXXX WAS GIVEN AS WELL AS XXXX XXXX/ XXXX  / ( HIPPA VIOLATION AS NEVER A PATIENT ) I DID INFORM XXXX FROM BEGINNING OF CALL THAT THIS IS RESULT OF IDENTITY THEFT AND SHE CONTINUED TO GO OVER THE COMPLETE NATURE OF THE HOSPITAL VISITS AS WELL AS COSTS.
The Account was in name relocated to another city did n't not know the account was still open, I close the account and put in for a change of address, but never received any billing or no one tried to contact me before sending my name to a collection agency. The collection did not try to contact me ever before, sending my name to the credit Bureau. Once I found out I paid it in full because I was in the middle of getting a mortgage. Explain to the company my issue and they did not care. I was meant with the rude Customer Services and Managers. I call XXXX and they told me to have the company to send them an electrical removal to remove it off of my credit report and they did not care. I even call the company that gave them my name and they said it was ok for them to remove my name because they no longer had a contract with the company, but not thing helped. The company even when as far to send me account to show a XXXX balance so that they can remove the account.
Retail installment credit agreement entered into on XX/XX/2015 for XXXX to purchase a used vehicle with Santander. When the vehicle was delivered it would not even start, and had several mechanical issues that were not disclosed from the seller. 

When the dealer was contacted, there was no response, and eventually we discovered from the police, that the dealer had been shut down for fraud issues. 

Contacted Santander to request that the check being issued to the dealer was stopped. 

The check was sent anyway - after the request to stop the process. The title was send directly to me. 

I contacted Santander to discuss the issue and determine what can be done to rectify this situation. Working with XXXX XXXX we discussed the a potential modification to the original agreement taking into consideration the numerous repairs required. 

During these negotiations i was informed that XXXX XXXX was not longer with the company, and was sent a modification agreement that did not reflect the terms discussed. I " redlined '' the agreement, and returned to Santander, who rejected the agreement due to " changes to the document. '' Since that time, I have had numerous calls with customer service and collections to discuss the issue - which always result in the same conclusion. " We will notate and someone will get back to you. '' Last week, the vehicle was repossessed - and just to add to the issue, my yard was torn up and damaged in the process. 

I have contacted Santander to discuss this issue several times since the repossession, with no resolution. In fact, customer service/collections agents keep telling me that the car loan is past due and ask me to explain the issue AGAIN ... even though it is in the notes of their servicing system. 

I requested a copy of the pay history, all correspondence and the notations - the CFPB servicing file - from Santander, and only received a pay history. 

I received a notice today, that they intend to sell the vehicle in a private auction on XXXX - this disclosure did not include any details of the auction, or even provide the total amount due. 

I called again today to discuss, and after 2 hours on the phone explaining the situation AGAIN, I was transferred to the Office of the President, where I was played a recorded message without ability to leave a message. 

In summary - this complaint is for Confusing, time-consuming, and unhelpful customer service. 
Repossession of the vehicle without completion of the mod Delivered a vehicle that is not worth the original value considering the condition Invested over $ 24K in repairs that is not being accounted for Improper demand notice - for sale of the asset
In XXXX of XXXX your agency completed an investigation and entered into a Consent Judgment with Ocwen Financial Corporation and Ocwen Loan Servicing , LLC for unlawful conduct related to loan servicing and foreclosure processing.The purpose of this communication is to alert you to the fact that Ocwen has, to the best of my knowledge and belief, violated that agreement pertaining to one of the most significant restrictions in that agreement, i.e. : submitting forged documents in a judicial foreclosure proceeding. 

The history of our case is lengthy and not necessary to detail at this time other than there have been three attempts to foreclose on our home since XXXX and all have failed due to submission or public recording of a plethora of fraudulent and/or forged documents. 

The most recent attempt to foreclose was filed on XXXX XXXX, XXXX which contained exhibits and documents supplied by Ocwen as the loan servicer. Among the exhibits was an XXXX to the Note which had not previously appeared in the preceding foreclosure filed in XXXX nor did it surface in a Chapter XXXX bankruptcy filed previous to the XXXX foreclosure action. 

Despite Ocwen 's assurance to your agency ( as well as all of the Attorneys General listed in the Consent Judgment ) that they would refrain from using fraudulent or forged documents in foreclosure proceedings, Ocwen included this ( undated ) Allonge to the Note in this third foreclosure filing even though there should have been historical records available to them to verify the validity of the initials of XXXX XXXX Option One, on this very important document. My own diligent research uncovered what I believed to be XXXX XXXX actual initials and handwriting derived from her very own mortgage documents. I hired a handwriting expert to compare the initials on the XXXX to actual mortgage documents of XXXX XXXX and the conclusion was that it was not the same individual. Once I supplied this information to my attorney and he in turn supplied it to counsel for the Plaintiff ( XXXX XXXX ) just prior to trial, Plaintiff mysteriously and suddenly withdrew their complaint and counsel for Plaintiff also quickly withdrew their representation of Plaintiff. 

In addition to recording a forged/fraudulent document in a court proceeding, Ocwen continues to harass us by mail in attempt to collect a debt that was categorized in default at the time they ( or their predecessors ) obtained the account.
I was a victim of identity theft. I filled out an affidavit with a notary I also have a police report. I mailed, faxed and email my document to Common Wealth Financial Service beginning in XXXX. I have called numerous time to get my situation resolved. I have yet to receive any details of the bill who I owe and why I owe. It has been well over 30-60 days. Each time I call in I get the run around from very unprofessional representatives. We are waiting but never given a description of what.
I have disputed XXXX accounts on my credit reports twice and Equifax has stated that they have verified the account with the vendors and it came back as verified. I personally called the vendor today and was told the company that they do not service student loans and are n't reporting any information to any credit bureau. Equifax has told me twice on XXXX separate occasions that they have verified the information on my credit report which is a lie. The companies in question are XXXX XXXX and XXXX XXXX.
Dear Bureau, I placed a small money transfer transaction with MoneyGram today, XX/XX/18 around XXXX XXXX for a small amount, though it may not seem like a whole lot it is indeed a useful amount for my recipient outside the U.S., in XXXX XXXX to be exact so it be used for personal needs.

After writing an email to Moneygram customer service today, who never got back to me ( falsely advertising in the website that someone will reply back shortly ) and then placing a call to one of the customer service representatives ( XXXX   who wanted me to cancel the transaction instead and try again ) and lasty, chatting with someone online about my money transfer problem ( her assistance was non-existent, rather asked me over and over what the issue was ). In turn, no one was ever able to tell me what happened to the email confirmation ( which contains a code # that needs to be provided to the recipient so the funds can be picked up by the recipient ).

Moneygram has debited my account and charged fees for this transaction and it has not been completed on their part, though it shows on their website that the money is ready to be picked up - but I need the confirmation Email to do that. In turn, the customer ( me ) is left wondering what is the purpose of debiting my personal checking account if the company is not going to make good on their promise and this is not only is embarrassing for the company, but also embarrassing for me since I've waited close to 9 hours waiting for a MoneyGram confirmation Email that includes the access code ( which is different from a reference # provided once the transaction has been completed on their website ) and my recipient is left empty-handed.

This type of behavior, which is quite detrimental to the customer base and dysfunctional is nerving and quite upsetting that my time and money has been spent and still have no answers or a solution. This company does not has the proper tools, processes, training of its employees or even basic general good faith practices when dealing with other people 's money and do not make the customer feel secured and safe funds that my funds are being handled properly.

I sincerely hope that you look into this matter further and you will surely find other similar cases, if not worse, because this is not the first time it has happened to me. Moneygram 's lack of integrity and commitment to the consumer is a complete nonsense.

Thank you.
XXXX XXXX checked their database of 4.7 billion publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX.. XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , Equifax and the IRS . I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I am disputing all of the following information due to be incomplete and inaccurate. ( XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXXXXXX XXXX XXXX # XXXX.XXXX XXXX XXXX XXXX.XXXX XXXX # XXXXXXXX XXXX # XXXX. )
My original complaint has not been corrected and you ( cfpb ) have closed the complaint Village Capital & Investment LLC ran a credit inquire on me and my wife without us applying for credit, actually we cancelled the contract once we realized who was involved and we refused to deal with Village Capital & Investment LLC. I received a letter from XXXX XXXX XXXX - Compliance Representative for Village Capital & Investment LLC, on XXXX XXXX, XXXX claiming that all inquiries would be removed. Today I received a letter from XXXX XXXX that Village Capital did not run the report themselves but had " XXXX XXXX XXXX '' run the report for Village Capital & Investment LLC on XXXX XXXX, XXXX, with all three credit reporting agencies for them and those hard inquires have not been removed.
I have contacted Equifax by phone and by mail several times now since getting a judgement against them. Please see the two letters attached. 1 is what I sent them and 2 is what they sent me back. I think words like negligence come to mind based upon their response. They seem to think I 'm disputing a judgement on my credit report when in fact I am tryting to collect on XXXX that they owe for {$620.00} to me.
This company has been calling my cell phone consistently since the end of XXXX. Sometimes there are four phone calls in one day. Because of the amount of calls received and no messages ever left I called the number back on XX/XX/XXXX. At that time the person said they were trying to collect a debt and sending written notices to an address I haven't lived at in over five years. I told the person the debt was not mine. I also had informed them that I had filed bankruptcy in XX/XX/XXXX and any debtors I was aware of at that time were included in my bankruptcy. I told them they were to immediately stop contacting me, there should not be anything placed on my credit report since the debt is over two THOUSAND days old and again reiterated that the debt is not mine. The male agent threatened me with legal action and at that point I hung up. The calls have continued at an increasing rate since then and they are becoming annoying and harassing. 

PLEASE NOTE THAT THE ADDRESS I'VE PROVIDED IS NOT THE SAME ADDRESS THIS COMPANY HAS ON FILE FOR ME. THEY HAVE AN ADDRESS FROM 2013 AND I DONT WANT THEM HAVING MY CURRENT ADDRESS. ALSO, SINCE THEY CLAIM THIS IS A XXXX   XXXX DEBT THEY SHOULD NOT HAVE MY SOCIAL SECURITY NUMBER WHICH IS WHY I'VE NOT PROVIDED IT. THEY WERE ABLE TO PULL MY INFORMATION UP WITH JUST MY PHONE NUMBER WHEN I CONTACTED THEM SO A PHONE NUMBER SHOULD BE ENOUGH INFORMATION
We are behind on our mortgage by XXXX payments and some late fees. My husband arranged for XXXX payment to be made from our checking account on a certain date ( following his next payday ). I have since received XXXX phone call requesting immediate payment of the entire amount owed and XXXX calls that I did not answer ( prior to the scheduled date ). Serterus has both of our cell phone numbers and it seems that, since my husband has arranged a payment, they are now calling me.
On XXXX/XXXX/15, I mailed my regular fixed rate mortgage payment of {$3100.00} to Rabobank NA at XXXX XXXX in XXXX XXXX, California XXXX via personal check number XXXX. Rabobank did not deposit the check until XXXX/XXXX/15. It appears that Rabobank recently changed its mailing address to XXXX XXXX XXXX in XXXX XXXX, California XXXX and the delay in depositing was likely due to that change. Rabobank charged me a late fee of {$150.00} because it says that I supposedly did not make the payment until after the payment was late. That is not true, though, because I made the payment on XXXX/XXXX/15 and the payment was due on XXXX/XXXX/15 and was late after XXXX/XXXX/15. When I call Rabobank 's customer service department, they tell me there is nobody who can discuss this matter with me because their policy is to NEVER waive late fees under any circumstance whatsoever. I do not understand how or why Rabobank can charge me a late fee merely because of their unilateral decision to delay depositing my check. I am further frustrated by the fact nobody has authority to waive the late fee that they wrongly charged under these circumstances.
Due to the mortgage crisis I became unemployed/underemployed and subsequently filed for a loan modification with my loan Servicer ( previously XXXX, currently SETERUS ). I filed for a modification repeatedly since XXXX, yet each submission was ignored, or denied for arbitrary and baseless reasons. Example, in late XXXX the Servicer denied an application submitted earlier that year stating that I had not identified my hardship as having ended - although I expressly said that it ended and included an end date on page 2 of the Uniform Borrower Assistance Form. I subsequently filed a complaint with CFPB and resubmitted my application. In XXXX XXXX SETERUS offered a Loan Modification Agreement ( LMA ) which inflated the loan amount by over 50 % ( outstanding loan should be ~ {$90000.00} LMA calculated as ~ {$150000.00} ). The inflated loan amount failed to account for loan payments made to the prior Servicer in XXXX and correlated interest due on the loan and, included insurance and tax payments covered by separate payment arrangements. In XXXX XXXX, via certified mail, I sent notice of general LMA acceptance with a requested revision to address their miscalculations. In response SETERUS sent notice of LMA denial for failure to accept terms, but failed to address the loan balance miscalculations.
AES sold a single student loan debt to XXXX collection agencies. All XXXX are trying to collect the same debt and reporting late payments. They do not communicate and the originator will not work with me. I was denied credit based on negative items on my credit report.
This is regarding an auto loan I have with Regional Acceptance Corporation -- They have been ripping me off big time. I got the load in XXXX of 2012 for {$23000.00} ; I have been paying {$550.00} a month for three and a half years ( I do admit missing a few month 's payments - about XXXX in 3+ years ) and they claim I still owe {$21000.00}. What interest rate have they been charging? They do not abide by what is stated on the first page of the contract under the " Federal TRUTH in Lending Disclosure '' ; instead they have converted the contract from a SIMPLE interest transaction to a COMPOUND interest transaction -- there can be no sound legal basis for them to do so. The way they apply the payments I make is not clearly stated in the contract -- why are they allowed to do this to their customers? This is robery/stealing!!!
MR. COOPER IS LISTED ON MY CREDIT REPORTS AS NATIONSTAR AND THE STATUS IS INACCURATE ( SEE ATTACHED GUILDLINES ) LAST 3 DISPUTES TOOK 45 DAYS AND XXXX FAILED TO DELETE AND STARTED A NEW DISPUTE ON TOP OF OTHER. 

PAID IN FULL, CLOSED TRANSFER S/B STATUS AND REPORTING HISTORIES ARE WROUNG.
Port Folio Recovery Associates- Harassment They have continuously call me at least 3 to 4  times a day from various numbers. Sometimes it is from an unknown number, but now they have representatives using their own personal cell phones. They call and immediately hang up. Once you call back, they will identify themselves to discuss a debt, but will not answer your questions. I tried contacting them at XXXX and the representatives are just as rude. Their immediate response was they have not call my number since XX/XX/XXXX. DO NOT TRUST THIS COMPANY!!! This company is relentless!