WillisBack/dataset-financial-user-claim huggingface dataset:
on XX/XX/2016, I transferred {$1000.00} from my PayPal account to my XXXX bank account. The XXXX account had been closed for a few months. I did not know that. It was not an account I used very often. I had a credit card associated with the XXXX account that I wanted to pay and use funds from the PayPal account. The money never hit the account cause, according to XXXX, the account didn't exist anymore and it's impossible to move money into an account that does not exist. 

I called PayPal a number of times to try and resolve this and, each time, the told me the money was moved and XXXX has it. We would get on the phone with XXXX and they would say the same : they wouldn't accept money for an account that does not exist. 

The PayPal trace request number is : XXXX I don't have the XXXX account # but the debit/credit cards associated with the account always pulled the account up and those are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I haven't called PayPal in quite some time because I couldn't stomach having them tell me there was nothing they could do anymore. 

Please help! 

Thank you so much.
please let me know yopu can help me with my credit report fron credit union XXXX they discrimnate me i thinking my creidt is ok iwant to abuy acar let me know you canhelp me thank
My personal information was stolen from Equifax. This is ridiculous and now I need to freeze my credit. I still have to pay for this. I do n't have any choice in using equifax with my report. My information is out there and is in danger of being used.
XXXX XXXX XXXX Opened XX/XX/2016 {$570.00} Original creditor : XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$570.00} Highest Balance {$570.00} Opened XX/XX/2016 ( 1 yr, 5 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX
Applied for personal XXXX XXXX  credit card issued by Barclaycard. The representative stated that I was denied due to too many cards opened with the past 24 months. I asked him if the same policy rules apply for the business card. He stated that the policies were different since the business card is a different product. I then applied for the business card and was denied for the same reason as the personal card ( too many credits cards opened within 24 months ). I called again and spoke to a manager ( XXXX ID XXXX  ) who stated the the personal and business cards had the same policy which was in conflict with the first representative. If I would have known that information, I woud not have applied for the business cards as my credit score was effected in a negative manner with two hard pulls.
the debt i do not owe is on my credit reports for collections paid from papers i filed on site for XXXX want to remain unknown and anonymous and will not show addresses of their businesses for privacythe collection was created falsely after my social security number was on filei got the account information from the hospital staff
On XX/XX/XXXX we, XXXX Title Agency notified Popular Mortgage XXXX XXXX of an unreleased lien affecting the title of a home that is for sale. Unfortunately the seller did not get us the information until XX/XX/XXXX. Because the loan dept was already closed that day and inquiry was put in but not " accepted '' until XX/XX/XXXX. We were told on XX/XX/XXXX that we would have a response within 5 business days. I called on XX/XX/XXXX, believing that to be the third business day, but was told that they were n't counting Friday the XXXX. I was told at that time we should have something between 3 to 5 business days. I called back on the XXXX whcih would be the fourth business day based on their calculations. I was again told that nothing has been done, but XXXX whom I was speaking to, was nice enough to put an email out to the specialist assigned to the inquiry number. During this call, I was disconnected, called back and was able to speak directly to XXXX again. 
Today, XX/XX/XXXX, I have called 8 times. I have been hung up on 7 of those 8 times. I have only been lucky enough to get someone on the phone 3 of those times. The first time, I was n't even able to get the girl 's name before she hung up on me. Then I was hung up on by XXXX ( I am not sure of that spelling ) and now I am currently talking to XXXX XXXX also not sure of spelling ). I have asked XXXX to put me through to a supervisor several times and she has refused. She has also refused to give me her supervisors name. She is however telling me that the inquiry was not put in correctly and that I have to start all over and that it takes a minimum of 10 business days to get a response. This is contradictory to everything both my assistant and I have been told for the past week every time we have called. 
The owner of this home closed their line 7 years ago and even has the line of credit closure authorization from XX/XX/XXXX, which I have a copy of. MERS shows this loan as inactive. Yet Popular has never bothered to record a lien release and is now causing XXXX monetary and mental anguish both for the seller 's ( their customer ) and the new buyers who have a moving van set and have no place to live as of Sunday the XXXX. This is to close escrow today! Yet instead of helping me fix THEIR mistake I just keep getting hung up on. XXXX was instructed not to put me on hold, but she just did, which means I will likely be hung up on again, for the XXXX time.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax Equifax XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Re : Social Security Number : To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX/XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX, XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 15-30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX SSN : Last 4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
I tried to pay my mortgage payment early and Specialized Loan Servicing LLC wanted to charge me a {$10.00} penalty for doing so! I wanted to pay using my bank account. They said I would have to go thru XXXX XXXX to do this, which has a charge! Paying early incurs a charge??? Let 's put a stop to this abusive practice!
OnXX/XX/XXXX I walk in US Bank and deposited {$3000.00} which requires 3 to five day hold for verification. OnXX/XX/XXXX after  approving fund the bank placed a secondary hold on fund and route the funds to XXXX  fraud department knowing this is personal account not associated with business activity and therefore, a fraud alert process was initial to remove funds from personal account. On XX/XX/XXXX when I called the fraud department to inquire about the funds being placed in the fraud department for what reason I was told by XXXX in the fraud unit it was because they couldn't verify the funds, I explain to XXXX  that XXXX XXXX inform me that the funds were there and they have not received a request for verification.
Capital One initiated another account in my name and did not tell me or send a bill that this count existed resulting in a 30 late reporting to the XXXX credit bureaus, XXXX, XXXX and XXXX XXXX. I have since closed out the account, but it is still showing 30 days late and affecting my ability to secure credit.
I disputed a late payment from XX/XX/XXXX with XXXX on Equifax. I provided documentation showing where the error was on their part. XXXX had agree to remove the late pay on their system based on this documentation. Equifax did not remove it on my file. This is NOT MY ERROR. If the lender agreed to remove it, why did Equifax leave it on my file after the dispute?
XXXX transferred or sold my account to nationstar which is ok, however a automatic payment was sent after and XXXX offers no way to opt out of their automated answering system to talk to anyone. My payment was cashed and not forwarded or returned. Should be illegal to not allow real conversations, very rude. Please respond asap
The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified.
If that situation applies, then the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA  accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information.
Bottom line is that if the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide you notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ).
Past creditor, Consumer Portfolio Services is purposely reporting in accurate information to XXXX Credit Bureau Agency. CPS has been cited by the Federal Trade Commission due to unfair unlawful business practices. My car was repossessed back in 2014. The account status should be noted as " repossessed-charged off-closed ''. The company is reporting to the credit bureau agency as 30-60-180-days past due, also failure to pay. I would like for this company to stop the illegal business practices they are still committing. Again, CPS has been cited by the FTC for their unlawful business acts.
I have tried on multiple occasions in my dealings with both the Fraud department and most recently the Office of Consumer Affairs to have them change my current address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Unfortunately, in my several attempts to upload the necessary pages of my lease, apparently the online system to which a consumer is to upload does n't work. Henceforth, I am trying to utilize the method to get this rectified accordingly. I am attaching a few pages of my lease for verification purposes and would appreciate someone reaching out to me to let me know if in fact additional documentation is needed.
On   XXXX   XXXX   XXXX    , Citibank credit card company sent me a letter stating that their records show that I was previously enrolled in a company program called  Credit Protector  for which Citibank charged me a monthly fee. The letter then states that if I was enrolled in this program without my knowledge ( I wa s ) t hen go to their web site to submit a refund claim. When you go to this web site, it does not let you submit a claim. My reference number is **************** and the  Tracking Number  is  XXXX
Someone stole my personal information and identity. I am a victim of identity theft. The following unauthorized and fraudulent accounts do not belong to me : XXXX XXXX, XXXX XXXX XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Company claims its reporting too the 3 credit bureaus, and bureaus no such reports has been made to them. In fact XX/XX/XXXX & XX/XX/XXXX there were no reports submitted at all.and the balance of the credit remains the in XX/XX/XXXX.
Debt was paid immediately .... I signed for, y sister on a bankruptcy and was help liable for her debt. I satisfied this debt as soon as I was made knowledgable
1 year ago we requested to have PMI removed from our mortgage payment through Chase bank. We made significant improvements to home over the past 3 years to satisfy the XXXX % LTV required by Chase. Chase bank outsources the appraisal through a third party called XXXX XXXX. XXXX XXXX then assigns a local appraiser to do full appraisal. The appraisal came back with no increase from purchase price and with many disrespectful and unprofessional opinions form the appraiser. Thus I was not granted the request to remove PMI and Chase was not willing to listen to my dispute. The appraiser was completely out of line and unprofessional in his description of my property and made assumptions that without my consent. I have everything documented from the original request to final addendum made to my appraisal. I would like to know if this is something I could bring to an attorney for review because I would gladly take the time and effort to do so. After reviewing my documents I hope you agree with my statement and believe I have serious case against Chase and XXXX XXXX. Thank you for your time!
Dear TransUnion is recently sent over a complaint telling in writing that there we 're several errors on my credit report. You responded and said theirs not any inquiries on my credit report but I second that. I looked over the credit report today only to notice that these inquiries remained on my credit report. It clearly shows the unprofessionalism on your companies part. This is my third attempt contacting TransUnion by certified mail months ago, also by send a complaint. If this issue is n't resolved in 30days I will be contacting my lawyer to take a civil approach for the damage you 've caused, also with breaking several laws in the FCRA. I sent documents with a police report, certified documents, THE COMPANIES LISTED BELOW : Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX Accounts : 1.  XXXX XXXX 2. XXXX XXXX
I borrowed {$70000.00} to cover both XXXX and XXXX degrees. I was a XXXX and a XXXX XXXX was required to remain employed. I unintentionally defaulted on the original loan but did all I could to reinstate. I paid {$350.00} a month for a full year to do this. After doing so I was rewarded with a {$1500.00} a month payment and a new principal of {$190000.00}!! With interest I will have to pay almost a half a million dollars! If this is not the definition of predatory, what is?
I used a CardTronics ATM XXXX XXXX TG XXXX ) at the Target store located at XXXX XXXX XXXX XXXX, XXXX PA XXXX on XXXX XXXX, XXXX at approximately XXXX. I attempted to withdrawal {$300.00} from my Capital One checking account. Mid-transaction, the ATM machine re-started itself XXXX pictures attached XXXX. As the re-start process took place, which lasted upwards of XXXX minutes, I logged into my checking account on my phone because I was n't sure what happened. My checking account showed a temporary transaction of a withdrawal of {$300.00}. I immediately asked a Target employee for help, and was informed it was n't their machine so they ca n't do anything. They suggested I call the number on the ATM, so I then contacted CardTronics and spoke to a representative, who informed me they could see the transaction and the error. They told me to speak to my bank, who would initiate the proper procedure to reverse the transaction. I called Capital One and they took down my information, including the XXXX phone number and terminal number. I was informed by Capital One that they would investigate the matter and reach out to me if they had any additional questions. In the meantime, my account was given a temporary credit of {$300.00} and a follow up letter stating the same arrived at my house. On Friday XXXX XXXX I received a letter from Capital One ( dated XXXX XXXX ) that they would be denying my claim because " we checked our ATM records and they do n't show an error for this amount. '' I never received the cash from the ATM, and I would imagine a transaction log within the specific ATM machine would show this. The cash remaining in the machine when it was restocked would not have corresponded with the transaction ledger.
On XXXX XX/XX/2018, XXXX XXXX XXXX XXXX, reported me dead, while I was traveling overseas with my wife. I had been banking with this institution for 32 years, the action prevented me for getting into my funds at the time. Did not do anything drastic, which I should of, due to the 32 years with them I let them fix the error/issue or report. Took them 3 weeks, and still not 100 % as of yet. However, when I pull my credit report with XXXX, it shows that the person using my social security number was reported dead by USAA. I proceed to follow a dispute which is allow with XXXX, same came back XXXX XXXX, stating that USAA did not change their original report, meaning I still dead according to them, maybe time and place but still same report. I do not even have a credit score anymore and I was reported by them without credit history. Please tell me what to do? my full name is XXXX XXXX XXXX, XXXX. 

Please advise XXXX
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
I am still having problems with Chrysler CapitalXXXX. I have made multiple request for first year statements. They refuse to respond or send statement or place them in my online account. They did send my a copy of my contract with no cover letter or explanation. This in addition to false reporting of late payments, refusing to do a full investigation and providing the steps they took and provide it. This has been going on for Four months. 
Please help
I XXXX XXXX XXXX am a victim of identity theft, I submitted a dispute to Equifax under the aforemention case number. My dispute was supported by all documents required for reference according to Equifax and US FCRA sec.605.b, I am asking that this private corporation block or cease reporting disputed items in a timely manner according to the reference congressional act.
I have checking account that I allowed to become inactive. The bank charged me {$30.00}. a month for four months, totaling {$120.00}. I called the bank and they refunded half of the total. I believe that {$30.00}. per month is a ridiculous amount to charge for not writing a check. Is there anything more that can be done to get the remaining {$60.00}. 

Thank you for your advice and assistance.
I HAVE SEVERAL HARD INQUIRIES ON MY CREDIT REPORT THAT DONT BELONG TO ME! SOMEONE IS TRYING LIKE CRAZY TO APPLY FOR STUFF IN MY NAME! 

XXXX : - XXXX/XXXX XX/XX/2018 Jewelers - XXXX XXXX XXXX XX/XX/2018 Bank Credit Cards -  XXXX  XX/XX/2018 Finance, personal EQUIAX : - XXXX XXXX XXXX XX/XX/2018 Bank Credit Cards - XXXX - XXXX XX/XX/2018 Miscellaneous Utilities - XXXX XXXX XX/XX/2018 Telephone Companies - XXXX   XX/XX/2018 Personal Loans Cos. 
- XXXX  XX/XX/2018 XXXX XXXX XXXX XXXX 

XXXX  : - XXXX XXXX XXXX  XX/XX/2018 Bank Credit Cards - XXXX  XX/XX/2018 Credit card and travel / entertainment companies - XXXX XX/XX/2018 Utilities and fuel - XXXX XX/XX/2018 Utilities and fuel - XXXX  XX/XX/2018 Utilities and fuel
TransUnion state the my XXXX XXXXXXXX XXXX is not 100 % accurate when clearly you can see the inaccurate information place on my credit report, I try disputing multiple times for inaccurate information such as ( name ), my name is not XXXX XXXX, my name is ( XXXX XXXX XXXX ), ( date opened ) incorrect, ( balance ) incorrect because a charge off should be XXXX, ( payment received ) incorrect amount, ( last payment made ) incorrect as per my bank statement, ( payment history ) because the last payment made and the payment history doesnt match. But TransUnion stated that is verified so i ask them for method of verification and they refuse to send me the method of verification they are violating my rights ( FCRA )
Chase keeps charging me fees that are erroneous. l 've complained over 20 times to Chase about erroneous fees. In XX/XX/XXXX, I reported fees that are not explainable. They gave a partial refund. They explained the fees were for auditing purposes. However, Chase from XX/XX/XXXX to XX/XX/XXXX mismanaged my account and did not accurately report the balances of my account. I ordered Chase through the CFPB to make my account balance transparent and current. They then charged me an auditing fee. I complained. They refunded partial payment for the auditing payment but not the full fee. lf Chase is unable to do basic math and balance their accounting books, those costs must be incurred by Chase no matter how large or small. Although the fees are small they are repetitive and they add up and it takes time to get the refund.
XX/XX/XXXX, I disputed a Judgement from XXXX district court for a Judgment from a Utility company. I called the court, and i also showed up in person. I inquired about the verification process to the credit bureaus, as well as the judgement there is no Judgment of any kind against me, or having to pay any judgment. I then mailed Equifax 2 to 3 times giving them the opportunity to correct this entry, Equifax has openly refused and willfully continues to leave derogatory information in my credit report. the negative items are damaging my financial life. I do n't have a lot of files to support this due to Equifax making it a must to correspond/ reply online and the result are only available for 30 days.
I checked my credit report, noticed two inquiries from XXXX XXXX, XXXX and XXXX that I'm unsure of where they originated. I have not applied for any new accounts because of my open bankruptcy yet inquiries from different courses keep popping up. I have added fraud alerts to all of my credit files with each credit bureau.