WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Paypal account that I have used for over 10 years primarily to make purchases. On XXXX XXXX, 2016 my Paypal account was frozen with the message, " Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2016 : We would like to learn more about some of your recent transactions. '' I called Paypal and spoke with XXXX, who told me that she could give me no information other than that my account was frozen for 180 days. My issue was escalated to XXXX. He told me that the account was frozen and the money was being held to deal with any potential disputes with my account. He also could not tell me what transaction was the problem or why my account was frozen. 

I tried contacting Paypal again on XXXX XXXX, 2016. I received a message back that my account was permanently limited and my money would be held for 180 days. I currently have {$3100.00} in my Paypal balance. This money was primarily loaded from my personal checking account to make purchases. Paypal has locked my account and is attempting to keep this money without offering any explanation. The closest I have got was that it was held for potential disputes. But this is ridiculous as there have never been any disputes in my account in the over 10 year history it has been open ( and also none since they limited the account nearly 3 months ago ). It appears that Paypal is attempting to steal my money.
A couple months ago, I was completing a transaction online and using my PayPal account was an option. As part of the checkout process, I was asked for my name and birth date. I thought they were updating their records. I came to learn they were issuing me a credit line for {$5000.00} through PayPal Credit, which I did not want. I was annoyed by this, but not enough to do anything. Instead, I resolved never to use it. I would opt out in favor of the credit card they had on file. XXXX day, about a month ago, as I was signing into my PayPal Account to complete another transaction, I was automatically checked out with PayPal Credit for {$15.00} and some change! I was not given the option to opt out. I paid it in full, contacted them immediately and told them that their lending practices were deceptive and predatory and that I wanted them to cancel the card. Instead, they sent me a return email, asking me to contact them to discuss the issue. I called on XXXX and cancelled the card. 
I consider myself fairly savvy and for this to happen to me means that it could happen to anyone. Basically, PayPal Credit co-opted a portion of my good name and credit without my knowing it. Now, I have to take a hit to my credit score for closing the account. 
I understand that they were fined {$25.00} XXXX in the spring for this kind of behavior. There are those who do n't think it was nearly enough! That is apparently the case, as I am living proof that the practices for which they were fined continue.
On XX/XX/XXXX I contacted TransUnion and spoke with US representative, XXXX, to resolve unauthorized inquiries showing on my credit report. I 've recently checked my credit report and noticed many inquiries that were removed during a breach in XX/XX/XXXX and XX/XX/XXXX reinserted. I DID NOT receive a written 5 day notice informing me about the breach or TransUnion reinserting the inquiries. This is a violation of the FCRA. TransUnion can not continue to violate my rights.
On Sunday,  XXXX / XXXX /  XXXX   at approximately  XXXX   XXXX  I called into  CHASE customer service regarding my CHASE    Sapphire Preferred   card ending in  XXXX . I asked the representative to close the card. When asked why, I advised her that I received a promotional e-mail offering a referral bonus of  XXXX  points  ( approximately {$100.00} ) . I wanted to offset my upcoming annual of {$95.00} fee, so about  6 we eks earlier I referred my brother ( I added his information onto the additional user portion of the complaint ), who took out the card ; however, I never received the bonus.     The rep advised that I could close out the card, but also advised that I could switch it from a CHASE Sapphire Preferred to just CHASE Sapphire, and not incur the annual fee. So after asking multiple times, and ensuring that I would not be charged the fee, I decided to go down this route of switching the card type. Well,  XXXX   XXXX  passed and I incurred the {$95.00} fee anyway.     Also, on a side note, I recently received a notice that CHASE was shutting down my  XXXX  rewards card ending in  XXXX . I asked the rep if she could condition my account to keep my card open, which she said that she could. I 'm not sure if this was done correctly and would like this investigated as well.
I am uploading a letter I received yesterday XX/XX/XXXX from XXXX XXXX. I am disputing an error that is reporting on my credit reports. XXXX XXXX is saying that they have no control on how the cra reports information. There is one account that is stating the account is paid as agreed but with a 30 day late payment in XXXX. This is completely incorrect. The XXXX XXXX account is showing as accounts that are potentially negative and will go to a positive status in XXXX. There is also a number 1 code under the account. If the account is paid as agreed it should be listed under accounts that are satisfactory. I have been requesting XXXX XXXX to correct this on my credit reports and just move the account to : accounts that are satisfactory : which the account is!
To whom i t may c oncern : Statebridge Company made a major error on my account ( see attachment ). This error caused m y credit score  to plunge  XXXX  Points.  Statebridge cl aimed that I have been 60 day late when in fact I 've never been 60 days. I was 1 day late for the month o f  XX/XX/XXXX   because  XX/XX/XXXX  was on a Monday when we attempted to pay on Friday   XX/XX/XXXX .  They need to contact both major credit reporting agencies immediately and have this corrected. I 'm applying for a home loan and this bad information will cost me a ton as a result of interest rate or being disapproved. I 'll need to hear back them soon I will file a complaint with the OCC and the  Consumer Protection Bureau an d sue for any damages. -  XXXX   XXXX
I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. XXXX XXXX XXXX 2. Wells Fargo Card Service 3. XXXX XXXX XXXX
A few months ago I ordered a credit report and noticed that I had a new collection on file from AARGON agency, I immediately made contact with AARGON agency and told them that this information was incorrect. I mailed them several letters and put in several disputes online as well. This account is not mine and I don't appreciate them sending my personal information out, violating my HIPPA rights. In another complaint this company mentioned something about an identity theft package. ( which I never received ) I have attached 2 separate identity theft packages, one that dates all the way back to XX/XX/XXXX and a more current one from XX/XX/XXXX! This debt is not mine. This company is failing to validate the information in which they are trying to collect on. I have been trying for several months to receive validation of this collection in which they are saying is mine.Please be advised I have requested " validation '' not verification of the item reported by the above collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, Aargon Collection Agency did NOT provide me with a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. Please help me with this company.
XXXX account from XX/XX/XXXX has been reopened and reported on credit report. After checking court docket for case - please find attached case believed to be reported. Wrong name/ amount / wrong address. This is not my debt. Case Summary Jefferson Capital Systems , LLC v. XXXX XXXX Case Number XXXX Court Washington Superior Court Type CC - Civil Collection Filed XX/XX/XXXX Status XX/XX/XXXX, Decided Parties to the Case Show all party details Defendant XXXX, XXXX XXXX Jefferson Capital Systems , LLC Chronological Case Summary XX/XX/XXXX Case Opened as a New Filing XX/XX/XXXX Appearance Filed Attorney : XXXX, XXXX XXXX For XXXX : Jefferson Capital Systems , LLC File Stamp : XX/XX/XXXX XX/XX/XXXX Complaint/Equivalent Pleading Filed Against : XXXX, XXXX Filed By : Jefferson Capital Systems , LLC File Stamp : XXXX/XXXX/XXXX XXXX/XXXX/XXXX Service Issued by XXXX ( electronic receipt requested ) Serve To : XXXX, XXXX XX/XX/XXXX Service Returned Served Certified mail accepted. Party Served : XXXX, XXXX Date Served : XX/XX/XXXX XX/XX/XXXX Motion for Default Judgment Filed Motion for Default Judgment and Affidavit as to Military Service, Age and Competency Regarding XXXX XXXX filed. Filed By : XXXX, XXXX XXXX File Stamp : XX/XX/XXXX XX/XX/XXXX Affidavit Filed Affidavit of Debt and Affidavit of Non-Military Status filed. Filed By : XXXX, XXXX XXXX File Date : XX/XX/XXXX XX/XX/XXXX Order Granting Motion for Default Judgment RJO Served : XXXX, XXXX XXXX Served : XXXX, XXXX XXXX Signed : XX/XX/XXXX XX/XX/XXXX Default Judgment entered Judicial Officer XXXX, XXXX, XXXX. Monetary Award : Judgment : {$510.00} ; Status : Active ; Signed Date : XX/XX/XXXX Awarded to : Jefferson Capital Systems , LLC Awarded against : XXXX XXXX Judgment Book : XXXX, Page XXXX XX/XX/XXXX Automated Paper Notice Issued to Parties Order Granting Motion for Default Judgment -- -- XX/XX/XXXX : XXXX XXXX XX/XX/XXXX Automated ENotice Issued to Parties Order Granting Motion for Default Judgment -- -- XX/XX/XXXX : XXXX XXXX XXXX Financial Information Financial Balances reflected are current representations of transactions processed by the Clerks Office. Please note that any balance due does not reflect interest that has accrued if applicable since the last payment. For questions/concerns regarding balances shown, please contact the Clerks Office. XXXX, XXXX Defendant Balance Due ( as of XX/XX/XXXX ) XXXX Charge Summary Description Amount Credit Payment Restitution XXXX XXXX XXXX Transaction Summary Date Description Amount XX/XX/XXXX Transaction Assessment XXXX Jefferson Capital Systems , LLC Plaintiff Balance Due ( as of XX/XX/XXXX ) XXXX Charge Summary Description Amount Credit Payment Court Costs and Filing Fees XXXX XXXX XXXX Transaction Summary Date Description Amount XX/XX/XXXX Transaction Assessment XXXX XX/XX/XXXX Mail Payment ( XXXX )
I have a previous complaint in and I just received correspondence from my mortgage co in regards to your submission to them. I need to do an additional complaint because the letter from my mortgage co states that one of my reasons for asking for help was due to my stating that I had unexpected medical expenses due to my father. That is indeed one of the reasons that I listed to them when I asked for help several months ago. The letter from them also states that I did not provide details as to the timeframe the medical expenses occurred, whether or not there were additional expenses after XXXX 2017 and  if the expenses were recurring expenses. I have been practically begging and submitting applications and appeals to my mortgage company and they never once asked any of the above statements when I was denied. I would have provided any info that they asked for but they did not ask any of the above. My account was even assigned a personal relationship manager that I talked with on a few occasions and I was not asked any if the above questions. The letter that I just received today from them also states that in order to review the account for further mortgage assistance, a new RMA package must be filled out in which they state is enclosed. Its not enclosed.They enclosed their answer letter and mortgage papers that dates back to about 4 or 5 years for some reason. I had to get out of bed which was not easy because Im really not feeling well and apply for assistance. I dont have a computer at home so now I have make it to a computer again to print and and send them more documents that was not enclosed as stated.I also applied for mortgage assistance on I think Monday because Im now on XXXX XXXX  for two weeks due to XXXX XXXX XXXX XXXX due to XXXX. I have medication that I now have to take which costed me almost {$300.00} for my XXXX XXXX XXXX which is a recurring expense for the long term. I submitted my urgent care visit, my doctors visit and the cost that I paid for my medication with my most current application for mortgage assistance.
My information was compromised because of an XXXX security breach. I had previously contacted transunion, as soon as I saw an unauthorized inquiry on my credit report to investigate this right away, most recently XX/XX/XXXX. I was told that I need to file a police report. On today, XX/XX/XXXX I was told the same thing from Transunion, after XXXX confirmed that my information was stolen. Someone has clearly been trying to use my information to open accounts. Transunion is not being helpful at all with investigating the fraudulent information on my credit file. I do have rights as a consumer and Transunion has violated the XXXX. I WAS TRANSFERRED TO A SUPERVISOR IN XXXX SPECIAL HANDLING. His name is XXXX from the PA office. He would not provide an ID number. He was not helpful, and insisted on me to file a police report before he even listened to my entire situation.
Collection Consultants of California have been trying to collect a debt that is past the statute of limitations in California and won't remove it from my credit report. They are also in violation of HIPPA as they have sent me my full list of medical procedures performed and they were not supposed to have that. I have sent other complaints about the company to the major credit bureaus and also to the Attorney General of California.
We have used a Capital One credit card for years and taken advantage of the cash back rewards for years as well. When we have some awards accrued, we always have the rewards amount ( in dollars ) applied to account, always with the understanding that the cash back amount did not serve as a payment. Therefore, without exception I would always deduct the rewards amount from the month 's balance and pay the remaining amount well before the due date resulting in the entire month 's amount due being paid well before the date due and avoiding any interest. 

Suddenly I am being charged interest despite the fact that the entire amount due on that month 's bill has been paid in full before the due date. How can you charge interest on a XXXX balance just because a part of the amount due was paid with the company 's own rewards and all before the due date? This is their excuse for tacking on interest. 

Should you need to see last month 's statement, we will be happy to provide it ; however, we hope it will not be published. I have asked to use my remaining rewards towards the next bill as part of my effort to get rid of this card. This company has certainly changed and is now exhibiting blatantly greedy behaviors.
I have contacted the credit bureau regarding the incorrect reporting of my XXXX account. There is also duplicate accounts listed on my credit report. I would like to have this information updated to reflect the most current information.
There's an obvious mix up within my credit report, I found errors and accounts that's not mines. I'm asking that the account XXXX XXXX XXXX  be removed / blocked from my report the account says it was opened XX/XX/XXXX, but the inquire says XX/XX/XXXX, it doesn't match up nor is it mines. In addition there's an account XXXX XXXX opened date XX/XX/XXXX, that says a joint account, I never cosigned or jointly associated with anyone. I'm asking that this account be blocked/ remove in accordance with the law of the FCRA . Lastly account named XXXX XXXX XX/XX/XXXX is not mines and I'm requesting physical documentation of this account or in accordance with the FCRA this account shall be removed.
It appears to have started when i enrolled for a job at the XXXX USPS. I had them do a background check for me from a company called OPM.gov. On XXXX/XXXX/2015 I had my whole account from My XXXX/Visa debit card stolen from me in the amount of {$220.00}. The transfer was made from BOA in sacramento. I called BOA EDD/visa debit and told them i did not authorize this tranfer. they called it fraud and sent me a new card and said it would take 45 days to investigate. two weeks later they closed my clam and they did nothing wrong. They said they tranferred it to my bank account at The XXXX and there was no fault on their part and closed the claim. They told me to contact The bancorp.com. I tried calling them and they had no account under my name and asked for an account number. after calling BOA numerous times i finally got them to tell me over the phone the account they sent it to, after waiting yet another week to say they will mail it to me becase they can not give it over the phone, and failed to do so. after getting this info i called the bancorp.om and they said i do have an account. ( I never opened it and have no idea how this happened ) well they refuse to give me my funds. After calling numerous times to them i had XXXX one lady said the money is there and they will transfer it into a different card i will need to acquire from XXXX. I have opened a card and waiting for them to transfer it. after a week i called back and the same guy who refused to help me said he was going to the call the XXXX and tell them they ca n't do that and he wont tranfer the money. I was told tby the lady that she tranferred the money to them on XX/XX/XXXX and it is pending. if by saturday i do not get it i will call them back again and get furious. After notifying the FTC and filed a fraud alert, it was OPM.gov that said they may have been exposed to a cyberattack. I have fraud monitoring but do not know if the person who opened this account also have been draining my social security as well. my fear is that whoever opened this account at The bancorp.com may have opened up more things as well. all i want is my funds back so i can close both my XXXX/visa debit card and the XXXX account as well. but i have both of them telling me its not their fault and go back and forth. i am getting exhausted and drained from all this. i want to file apolice report but i have only the visa statement to show for it and the XXXX have not produced or will send me a statement or account ID so i can see where the funds have gone, when it was opened, and what kind of activity has been going on. Please help me.
Hello In XX/XX/XXXX I lost my XXXX ins, I called key bank and explain, I fell behind by a month in a half. However I have paid since every month XXXX. I have asked if they could remove the late fees XXXX I was told by key bank to pay XXXX and then XXXX every month after. However every month they charged late fees and continue to make the min balance unaffordable for me to pay, when I called they said the agent made a mistake telling me that then called and was told to filled out a loss mitigation form, the first one they sent was for a mortgage. I called back then they sent a letter and asked me for documents from bank statements to my help with social services tax returns, etc I was told I had to XX/XX/XXXX. I faxed every thing on XX/XX/XXXX. I then called Key credit card and was told they received everything except my rent receipt. I mention to them I do not rent and I sent my mortgage statement from XXXX. The rep said she will email them and let them know I was not missing anything. On XX/XX/XXXX I received a letter from Key stating that because they did not receive required documents so they will not consider my request, I then called and spoke to XXXX, i was upset and informed him that I did n't understand why they said they did not all documents when I have a confirm fax which was faxed from Key bank and all conversations are recorded and I was told by the rep that indeed everything was sent in time, Then XXXX said to resubmit information and was very cross with me. I then once again faxed everything XX/XX/XXXX I have the confirmation as it was faxed from key bank. I spent 4 hours on XX/XX/XXXX with Key bank and finally spoke to a supervisor XXXX, who then said I was missing a rent receipt once again I had to explain I sent in my Mortgage statement. Then she told me well we have no program. I asked then why did Key say they would try to help me and have me fax over all my personal information. I have other credit cards and each and every card worked with me in a hardship by waving the late fees. I have paid Key Bank every month XXXX.however they continue to add XXXX every month and double the min payments. it is disgraceful as I continue to have serious health problems and am not able to work, yet I am still trying to be responsible with the help of my children. Quite frankly it feel like extortion.
Inaccurate information no knowledge of accounts filed with FTC and filed PO report, in violation of my consumer protection rights and fair lending act
Calls received my family members and myself claiming a crime has been committed and that thay are trying to locate me.