WillisBack/dataset-financial-user-claim huggingface dataset:
I had a PayPal account. It was linked to a Bill-Me-Later credit account. I eventually was unable to pay the Bill-Me-Later balance, so the account went into collections. I paid a small settlement and the remainder was reported to the IRS as a forgiveness of debt. This was a couple of years ago. Now I have decided to close my PayPal account and they are refusing to close it because of the charge-off they have recorded with Bill-Me-Later. I do n't care if they keep a record of the Bill-Me-Later account, but I want my PayPal account closed completely. They have said they can block all access to the account, but that they can not close it. I 'm sorry, but that 's unacceptable. I want nothing to do with PayPal. Again, I understand they need to keep the record of the settlement with PayPal Credit, but these are XXXX separate entities, one providing online financial transactions and the other providing credit services. They should be able to be unlinked for the purposes of closing a PayPal account. 
I have been trying for over a month just to close my account. I have spoken with numerous people in PayPal and PayPal Credit over this time, spending hours on hold, hours explaining repeatedly what the problem is, speaking with supervisors and so-called executive escalation representatives, lied to that someone would call back, and getting stonewalled every time. Once a representative even flat-out lied to me and said he had successfully closed my account, which was n't true.
XX/XX/2018 Received a phone call from XXXX XXXX XXXX ext. XXXX. They left a voice mail for someone NOT me. Threatening to " take the next step '' and if they hadn't heard from this person, they would assume that they didn't intend to resolve the situation. 
I DO NOT have a personalized voice mail, it is completely generic. 
Maybe I wouldn't be so upset over this if I didn't work for a bank and didn't know any better, but the fact that they even gave me enough information to know this person has an account is a breech of confidence, but to add insult to injury, you just clearly gave me information about this person 's finances. But it's clear from the conversation that I had with your employee that they think it's perfectly fine. 
An employee of a bank should know it is on THEM when MAKING calls to do their due diligence to make a positive identification of a client before detailing any kind of information. Including insinuating a lawsuit. I don't care if I know the person, if YOUR company has not positively identified contact with YOUR client, then you have NOT to the best of your abilities attempted to contact your client. It is NO ONES responsibility but YOURS to make sure it is YOUR CLIENT receiving messages and not someone else. Blindly dialing phone numbers that might have *something* to do with your client IS NOT an acceptable way to try to resolve any situation. It is unacceptable and partially one of the reasons the CFPB exists anyway.
These items are on my Equifax credit report and I did not authorize these inquiries. I have disputed these inquiries with the companies and credit bureau and no action has been taken to remove these illegal inquiries. 
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
Ive faxed and mailed proof of my current address to Equifax and they have refused to update my address. They have placed my current address as my previous address and have current address as my XXXX XXXX XXXX. I dont live at the Post Office. I live at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX. This incompetence has been ongoing for almost a year
XXXX XXXX, XXXX, I had XXXX XXXX XXXX deposits sent to my account, XXXX around for XXXX  and another for {XXXX}. The {XXXX was sent first to my account before I completed my transaction purchase at a store for XXXX. Once the funds were sent, I completed my purchase at the register because the funds showed available in my balance on my XXXX app, as I already had funds in my bank, plus the XXXX} that was sent to me. The XXXX deposit for XXXX was made after my purchase, however this did not matter as the funds were sufficient for the XXXX or at least that was what I was shown on my XXXX Banking Application on my phone. This morning, I wake up to find that XXXX has charged my account a {XXXX} insufficient funds fee. I called and spoke with a banking representative and was told that my deposit were made after XXXX pm XXXX XXXX and as such would not be processed until today. I am in XXXX, and on my banking app, the funds were shown in my balance, and that is why I felt comfortable making my purchase. I can only trust what I see in my app to be true. XXXX has refused to refund me my XXXX fee. I believe that they purposely deceived me and likely do so to many others, making billions off of middle class Americans just trying to survive so they can make billions of dollars in profit. I was shown that I had the funds available. I made the purchase based on what I seen. Now XXXX took XXXX dollars of my money to illegally and XXXX make a profit off of someone who works hard, pays her taxes, and at the same time struggles to make ends meet. I would like my {XXXX dollars back as it was illegally taken from me.
This following account is on my credit report from Equifax via XXXX and I have no knowledge of it. 

XXXX ACCT # XXXX {$64.00} I would like this erroneous information removed from my report.
I have informed Experian that the following addresses are not mine or never been mine : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Please have these addresses removed from my credit file.
Called 10 times asking for information about the collection they will not response.. the put a collection in my credit report is not my they are saying I have to pay
I am an authorized party on the mortgage for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Their mortgage loan was with Wells Fargo until XX/XX/2018. Prior to that date, Wells Fargo approved a loan modification for XXXX and XXXX after they had made 3 required mortgage payments. Wells Fargo sent the Loan Modification papers which are dated XX/XX/XXXX and then sold the servicing of the loan to XXXX XXXX XXXX ( XXXX  ). I have called XXXX on five separate occasions to talk to them about the incorrect information they have in their system for XXXX and XXXX 's loan. The claim they have no record of me being authorized on the loan even though I faxed them the authorization along with power of attorney for both XXXX and XXXX, and the modification documents. After they stated they never received the fax, I emailed the documents. They claim they still don't have them and will not contact Wells Fargo to obtain the authorization. I have confirmation of receipt for both the fax and the email. Today when I called again to speak with someone and was told for the fifth time that I was not authorized I asked to speak with a supervisor. XXXX, the woman I spoke with said a supervisor would not be able to help me either. I told her I wanted to speak with a supervisor anyway. She transferred me to someone's voicemail. XXXX is violating the terms of the modification that was approved by Wells Fargo and also violating XXXX and XXXX 's authorization to allow me to handle their financial obligations. They are sending statements which have incorrect payment amounts and are also sending statements that XXXX and XXXX are past due, which is incorrect according to documentation received from Wells Fargo prior to the transfer of the loan. The XXXX loan number is XXXX The Wells Fargo loan number is XXXX
I purchased my certified pre-owned vehicle from a reputable BMW dealership in XXXX, 2014. I then had to take my vehicle in due to the car stalling and having to be restarted at times when I stopped at red lights or random traffic stops. I took the vehicle in this last time a couple of weeks ago as the car did not turn back on in the middle of a busy traffic Intersectin in XXXX California. A BMW dealership had to replace the complete fuel system at this time. I asked that BMW repurchase my vehicle since it has been documented that it is no longer safe. BMW, NA only offered to make me a lump sum payment of {$1500.00}. I do not feel that this vehicle is safe. I do not have the resources to not drive it and purchase another one. I have tried to deal with BMW but I feel like I 'm being pushed to the side and that they are not concerned with the serious safety issue this vehicle poses. I need help because I do not want to get into serious injury or worse because of the factory vehicle deficiencies.
I have closed accounts on my credit report that need to come off : U S Department of ED ( XXXX/XXXX/XXXX ) U S Department of ED ( XXXX/XXXX/XXXX ) U S Department of ED ( XXXX/XXXX/XXXX ) U S Department of ED ( XXXX/XXXX/XXXX ) U S Department of ED ( XXXX/XXXX/XXXX ) U S Department of ED ( XXXX/XXXX/XXXX ) U S Department of ED ( XXXX/XXXX/XXXX ) U S Department of ED ( XXXX/XXXX/XXXX ) U S Department of ED ( XXXX/XXXX/XXXX ) Trans Union previously deleted items were added onto my credit report without prior written notification. According to FRCA Section 611. All items must be removed. They are listed on Trans Union and XXXX.
XXXX XXXX XXXX  ( XXXX ) has placed erroneous information on my Credit report. The Co-signed l

oans that were included in my Bankruptcy was changed to " Charge Off ''. I have provided proof that those loans were included in the Bankruptcy. The Bankruptcy was discharged on XX/XX/XXXX - which is why the loans for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were included. XXXX fraudulently changed the accurate information. I would like a copy of the " Discharged Debtor '' report that was supposedly sent to NCT in Yr. XX/XX/XXXX.
I have set up an account with www.equifax.com to monitor all three of my credit reports. I have noticed several XXXX inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Equifax. I have included, the Inquiry Company, inquiry companies ' address and date of inquiry as well below. These unauthorized inquiries need to be removed immediately.
On XXXX/XXXX/2016 I had statement cut with a balance of {$28.00} with a due date of XX/XX/XXXX. I believed I had auto payment on from my checking account which I evidently did not. I was charged a {$25.00} late fee and {$25.00} in interest. 
The {$25.00} interest charge is the most troubling since that 's over a 1000 % APR on a {$28.00} balance. 

On XXXX/XXXX/2016 I noticed my XXXX XXXX and XXXX XXXX credit card accounts had been closed when I went to sign in to it presumably for this late payment of {$28.00} on a {$14000.00} credit line. I immediately paid all outstanding charges on both cards including all fees even though I think the interest rate is suspicious. Barclays never notified me cards had been closed luckily I had n't tried to use it since it was, that would have been a very embarrassing moment I do not wish to have my XXXX account reopened, but I would like the {$1500.00} in rewards on XXXX and {$4.00} on my XXXX XXXX card that I saved up for months so that I could use on my trip to XXXX next month to run in the XXXX XXXX.
XX/XX/2018 To whom it may concern : This is in reference to a company by the name of ARA , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, allegedly representing XXXX XXXX XXXX. XXXX is now owned by XXXX whom I contacted immediately. There is absolutely no account in my name or my deceased husband of 25 years, be it current or delinquent. ARA is attempting to collect a non-existent debt of {$8600.00} which they are willing to settle for {$1000.00}. They have communicated with me first by telephone, and then by mail. I have explained to them that this account and the charges associated with it are erroneous. They continued to call and harass me. Therefore, I have reported this to my local police department, the US Attorney General 's Office and now your office. 

Thank you for your consideration in this matter. 

Sincerely, XXXX XXXX XXXX
I was called at XXXX by a rep there. I told her I would be calling in at XXXX to make payment because I was driving at the time. She says ok.. I got another call at XXXX from a different rep and I explained to her this morning about a call she said there we no notes. 2 minutes later my phone rang again and it was jareds
APPLICATION ID :  XXXX  On  XXXX   XXXX , 2017 I applied for a capital one spark business credit card for my company   XXXX   XXXX   XXXX   XXXX  . I am the owner and only member of this company. When I applied I received a message stating they were still reviewing the application.
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On  XX/XX/XXXX , I received an email stating they need more info. They needed Photo ID, Proof of address and SS card. I uploaded those documents using their online portal, as well as faxed. I faxed Drivers License, SS Card, Check stub from one of Employers and EIN from business.
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Only  XX/XX/XXXX h I called Capital One, they confirmed they had everything they needed and it will be 3 weeks for a decision to be made.
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Today  XXXX   XXXX , 2017 I received an email from capital one dated  XX/XX/XXXX  stating I was denied because they were unable to verify information and application was " incomplete '' But per the screenshot below in the attachments, I gave them everything they asked me for from the email they sent.
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I get home today  XXXX   XXXX , 2017 and I also received mail from them. Per attachment its dated  XX/XX/XXXX . 2 Days before letter on email. Mind you, they emailed me the letter today and its dated  XX/XX/XXXX  ( CONFUSING RIGHT ) The letter dated  XX/XX/XXXX  is stating they need proof of business existence for Entity   XXXX   XXXX   XXXX  , and Proof of physical address for your skincare spot.
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I am upset because this whole process is completely unorganized and misleading. When I called to confirm they had everything ( per recorded phone call ) they said they had it all and is processing application. Then I get a denial and a more info is needed same day but dated two different days apart?
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I am LOYAL CUSTOMER. I have a auto loan and   XXXX   personal credit cards. I dont deserve to be treated unfairly. My application deserves to be handled properly and with dignity. I am requesting capital one to review my application.
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Attached to this complaint is a screenshot of all correspondents from Capital One. Along with some of the necessary documents needed to process application fairly.
I am in the process of refinancing my existing mortgage to drop the PMI Insurance, with the same bank, Wells Fargo, that is holding the current mortgage. I am not changing the terms of the loan or cashing out. I 've owned the home for 3 years and have done a lot of work, it was bank owned by Wells Fargo, when purchased for XXXX and in non livable condition. When I locked in at a rate to refinance I was asked what I thought the house was currently worth. I told the lender of comps that had sold between XXXX in the past 6 months, these homes were smaller in size and my lot was XXXX the size, I also am directly on a pond with water views. Well the appraisal that I paid for came in at XXXX, which seemed odd to me but that 's not what rattled my cage. My lender then told me that the terms of my refinance were going to have to change because my house did n't appraise out to at least XXXX. I am baffled at this. My house has about XXXX in equity which is about 56 % increase. I was only looking for 20 % to drop the PMI and now I 'm being told that my rate will be higher to do this. I 'm very angry because I had other banks who offered to push this through and would hold to my current rate which is XXXX. I stayed with Wells Fargo because I thought it would be easier and I could keep the loan with them. They were the bank who originally owned the house when I purchased it. I was not informed that if my appraisal did n't come out at XXXX my loan terms would change??? I was locked in and was told I just needed to show a certain debt to income ratio and have the appraisal come out over 20 % to drop the PMI.
Sometime in early XXXX XXXX, I received a letter dated XXXX/XXXX/XXXX from XXXX, XXXX XXXX XXXX ( XXXX # XXXX ) a collection company about a Costco Anywhere XXXX XXXX card with an account number ending in # XXXX. I immediately called my Costco Citicard that I use to inquire about this account ending in # XXXX but I was placed on hold several times and was given a different number to call each time as according to the representative that I spoke to that since this account is now closed I needed to speak to another department. I called for XXXX consecutive days trying clarify where the {$290.00} balance that has been transferred to a collection agency came from since this was the first time I had any knowledge that I have a balance on a credit card that I thought I had already closed early in XXXX when I closed by business. But no one can give the information and I was given a number to call to find out. But after calling the number I was given I was given the same information that another department was handling my case. Then on XXXX/XXXX/XXXX I received a statement from Citicard address to my home address with a statement address to my old business address. On this statement, it lists the amount owed past due of {$290.00}. I called immediately the number on the statement that evening but the office was closed. Today, XXXX/XXXX/XXXX, I called again after speaking with the representative for nearly an hour trying to get an information on where the charge came from I was told that the charge of {$110.00} was charged on the Costco XXXX XXXX ( which was later transferred to Citicard Visa when Costco switched from using XXXX XXXX to XXXX ) in XXXX XXXX and since then has been accumulating late charges and interests. I informed the representative that this was my very time to see a statement on this amount owed. I always pay my credit cards in full and thus have excellent credit history. I am afraid that this single transaction of {$110.00} which has grown now to {$290.00} and continues to grow from added interest and late payment penalty will put a big dent to my credit. Had I known that a credit card I no longer use since early XXXX when I closed my business had a balance, I would have paid it in full. I never received any statement in the mail regarding this charge except for the statement I received on XXXX/XXXX/XXXX. I was given instruction to fax a letter explaining my situation which I did earlier today. In that letter I explained as above that I never received any statement or notification of a delinquent account. I also stated that the {$110.00} original charge for the Costco membership renewal was likely valid since I do use Costco and I am willing to pay that amount in full but was told that the representative is not authorized to received payment unless it was in full payment of {$290.00}. I am not sure of what my right as a consumer in this situation and I am seeking the assistance of this consumer protection agency.
Barclays reported an account to the credit bureaus and has been contacting me about this debt they say I owe them. I have never done business with them and I do not owe them any money : no credit has been extended nor any services ever rendered to me from this company. One debt is showing on my credit report. 
I sent a letter to them to verify that I owe them money on this account according to the FDCPA and they could not verify through any signed contract or document between XXXX and I proving that Im responsible for the debt on this account. I informed them that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from XXXX XXXX or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I am requesting just this or I will be forced to take legal action against Barclays at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I requested proof from them in writing which they received through certified mail on XX/XX/2018. I have attached my receipt from the certified documents well as a copy of the document itself and the response I received from Barclays regarding this account on XX/XX/18 which included account statements bearing no signature and is no deemed acceptable to the FCRA & FDCPA as proof.
Bank of America has been withholding XXXX {$100000.00} of transactions in our merchant account for our business, XXXX XXXX XXXX. 

Information was requested by their risk department ( XXXX XXXX XXXX ) regarding transactions, upon which we provided XXXX verbal confirmation and faxed in invoices and customer information. 

This department continues to request information which they already possess. Examples of this would be financial information ( they are a bank ; they have all my financial records ) and business venue information XXXX they already know the address, website url, etc which was provided when establishing our account. ) This is not only borderline harassment, but they continue to withold our daily disbursements from sales.
the information on my credit score is all over 7-10 years old i got hurt at work in around XX/XX/XXXX and tried to go back to work in XX/XX/XXXX but could not now i am trying to go back to work again and this credit score will not let me do any thing i have to work for myself because my injury makes me very unreliable why does n't XXXX take care of me why do i have to have social security pay me not even near what i was making this country does not take care of its working men when they get hurt on the job i worked hard all my life i was getting ready to retire now i am homeless and have nothing
I filed my XXXX and I called to ask if I have it deposited in account they said yes but come to find I could n't and never received it!!
I was issued a debit card, not at my request, on Comerica Bank by the state of Oklahoma for my income tax refund. When the opportunity to use the whole amount of the card at a retailer presented itself, I attempted to use the card. When the card was rejected, the retailer called the number on the back of the card. I spoke with " XXXX '' who confirmed that the amount of the card was the same amount that was being charged ( {$950.00} ) but who said that if I charged that amount, the transaction would be rejected for insufficient funds! When I asked how that was possible, he could not say. When I asked what amount could be charged, he would not say. XXXX then transferred me ( with a long on-hold wait ) to a woman in " finance ''. She told me that my balance was no longer {$950.00} because of fees charged to the balance. When I asked her what fees had been charged, she said I was only allowed XXXX free calls to learn my balance. When I pointed out this was the XXXX call ever made and it was not to learn my balance, she went to what turned out to be a stock reply : " Did you read the terms and conditions you were sent with the card? '' When I asked who was charging fees to the card, she insisted it was the state of Oklahoma. ( I would be fairly certain it was Comerica Bank! ) After several more rounds of refusing to tell me what charges had been made against my account and not telling me my balance, she finally told me that my balance was now {$940.00}. I asked if I could now charge {$940.00} on the card, she said I could not because my balance was now {$940.00}. I successfully charged that amount. I believe that Comerica Bank unjustly charged my unwanted debit card {$6.00}. I still do not know why. There must be many other victims of this fraud.