WillisBack/dataset-financial-user-claim huggingface dataset:
This is my 4th complaint against PayPal going back to an incident that started in XX/XX/2017. PayPal Answered the first two complaints. In the reply to the first two complaints XXXX XXXX XXXX, Operating Counsel sent me an attachment supposedly showing that the money was put in some account which I proved was not mine I then sent a third complaint proving that the money never got into my Paypal account. My third complaint was never answered by XXXX XXXX or Anyone at Paypal. Why? I mentioned in my complaints that I am not going to let a Multi Billion dollar company use their size and legal team to take advantage of me. I am a senior citizen, a XXXX XXXX XXXX Veteran living on a very limited income, this {$190.00} is a lot of money to me and is a pittance compared to the vast amount of money in your charge. Certainly XXXX XXXX has better things to do than try to deal with me. Is this an ego trip for You or your company. Are you making a mockery of the Consumer Financial Protection Agency? That I have to go through all this bullying by PayPal to get {$190.00} just blows my mind. My name is XXXX XXXX XXXX and my phone number is XXXX, If I do not received a satisfactory reply within 2 weeks, I will send all my correspondence to the each Member of the Board of Directors of PayPal.
I sent this money to this guy over PayPal, he tricked me into saying I need to pay w friends and family to recieve my item I was promise. After I sent through PayPal friends and family, I then was blocked and he said get scammed. Can I please have a full refund of my money.
OnXX/XX/XXXX My bill was {$410.00}. I paid {$420.00} On XX/XX/XXXX My bill was {$300.00} I paid {$300.00} I thought that the card was paid off. 
XXXX XXXXCard claimed in the XX/XX/XXXX billing statement that I made a purchase on XX/XX/XXXX for {$30.00}. On XX/XX/XXXX billing statement the amount rose to {$58.00}. On XX/XX/XXXX. I paid XXXX  XXXX card. XXXX. I thought that this card was paid off. On the XX/XX/XXXX billing statement the amount rose to {$97.00}. On XX/XX/XXXX I paid XXXX XXXX card XXXX. On the XX/XX/XXXX billing statement the amoount rose to {$79.00}. Then I paid XXXX {$1.00} which they are leaving as a credit. I was forced to give them my checking account and routing number because they would change the amount due daily.
I have tried to open a new bank account and I was denied. I received a report that wells fargo has purged me. My account was wrongfully closed on XX/XX/2015. Because a neighbor of mine who also works at wells fargo falsely accused me of harassing her while I was at the bank, taking care of my own banking business. I was taking to my banker at her desk and there is video surveillance to proof I was only dealing with my banking business. At the time I had a check for {$95.00} to my doctors office and wells fargo said they will still pay it. But several months later my doctors office in formed me it had bounced. And this is what is reported on my banking data. This district manager who falsely reported me to XXXX is the one who got my account closed. Wells fargo was not exercising their right to close it before she falsely accused me of harassing her. She falsely accused me once before and thought that, she got away with it then she would start giving me trouble again. Wells Fargo did have bias against me because of her when they closed my account. I still have the letter from XXXX. I tried to apply for a new bank account. Wells Fargo knew exactly what they was doing when they reported this false information on my credit report. This employee XXXX is making my life a complete nightmare. This is very " Unethical Behavor ''
Equifax Confirmation # XXXX XX/XX/XXXX Equifax hasXX/XX/XXXXXXXX XXXX XXXX XXXX  PA XXXX in which I have not had since XX/XX/XXXX which is wrong reporting information and not correct.
FHA Loan-short sale, FHA requires that I am late on my mortgage payment to be considered for a short sale. 
Due to medical issues, job change and increase in expenses ( due to XXXX issues ) our family experienced a hardship and was forced into a short sale and in order to be considered for a short sale FHA requires us to be late on mortgage payment please see attached FHA bulletin stating it is a requirement to be late on my mortgage payment. I am unable to secure a loan now when my family is more financially viable. I am being discriminated against due to a government requirement to be late on my payments. It is imperative we are able to secure a new loan to move forward with our lives and maintain a standard of living after going through a hardship.
In XX/XX/XXXX, I found an online promotion from TD Bank, NA that promised a promotional credit for opening a new primary checking account on line. I followed all the prompts to open the account, but was presented with a message saying that I must visit one of their branches to complete the process. The next day, I went to the TD Bank office on XXXX XXXX, XXXX, MA. I spoke to a manager and someone who said he was a regional branch manger. I explained my online experience and made it clear to them that I would only open the account if I were to receive the promotional credit. Both told me I would receive the promotional credit upon completion of the opening process, and a 90 day waiting period, even though I was not able to complete the process online. I opened the account, had my pension check designated for direct deposit, and opened a credit card and a money market account. After 90 days, I went to the branch and asked for my promotional credit. I was told that was a separate department and that they would speak to that department on my behalf and give me a call. I heard nothing after 30 days, so I went back to the branch only to be told the same thing. I waited another 60 days with still no reply. I went back to the branch and asked why they were not following through with their promises of customer service. I was then told that the promotional department had denied my request for a credit. You can image how this made me feel. I am now reaching out to the CFPB for help. I can only image that this same experience is being repeated across the country. It is a shame for this large bank to be praying on senior citizens in this way. Please help me.
ON XX/XX/XXXX, A COLLECTION WAS PLACED ON MY ACCOUNT WITH XXXX FROM CONVERGENT INC, FROM A XXXX BILL THAT DOESNT BELONG TO ME I CONTACTED CONVERGENT INC, AND THEY AGREED TO HAVE THIS ACCOUNT CLOSED AND REMOVED FROM ANY AGENCIES, I CALLED XXXX TO LET ME KNOW THAT THIS ACCOUNT NEED TO BE REMOVED, FROM MY REPORT, ITS LISTED UNDER MY MIDDLE NAME XXXX
We had a family vacation planned for the month of XXXX and XXXX was not working at the time so I filed for financial assistance for the month of XXXX. I filled out the forms and emailed it to Carrington on XX/XX/XXXX and again on XX/XX/XXXX asking for an update. Never heard back so I called them hoping to get an update on XX/XX/XXXX. I got passed around and never got any answers other than being told it was pending. I called back again on the XXXX but the hold time was too long and I was at work so I ended up hanging up. ( The XXXX and XXXX I called from my work phone line so I will not be able to get phone records ). I called back on XX/XX/XXXX and was told I was denied financial assistance on XX/XX/XXXX because they did n't have all the info they needed. I made the payment the same day. The call on the XXXX was from my cell phone so I can get phone records if needed.
After the demand was made for the necessary interior BPO for the short sale on my house, Ocwen hired XXXX XXXX XXXX XXXX XXXX ( not XXXX ) to do a mock appraisal of it. I had to beg the young ( XXXX year old ) non-broker ( who was probably not an inspector of any kind ) to take pictures. ( I saw the young man delete pictures from his phone before he left the premises, and they definitely looked like my interior house photos. [ Although, it may be that he did so after uploading them to a server ] ). I scheduled the BPO not realizing that our real estate agent could n't be there at that moment. Our broker-salesperson said based on the description of the incident and the very, very incomplete submission she and the buyer got word of, that he was probably a " runner '' ; a non-appraiser hired cheaply by the actual inspector to " run though '' the dirty work for that person 's convenience / opportunity to close more inspections in a shorter period for a higher income. Our broker and the buyer came in a couple more times to take their own pictures to be submitted to the bank and my XXXX Hope Program attorney. A pending complaint was launched with the DLLR. We know that Ocwen will try to get what they want ( as opposed to what 's equitable ) by any means. The inflated price they attached could have scared off the buyer had he not been able to negotiate skillfully. What 's at the crux of this is that we just found out that no one gets a copy of the BPO except for Ocwen and the bank, XXXX. We would have ( despite the expense ) put in for a BPO with someone we hired had we known that Ocwen could / would doctor the results to fit their own agenda. And the revised sale contract for the new amount on the house removes the provision of up to 90 days given at the buyer 's discretion for us to vacate the property. The previous contract made that provision. Also, we have found out about Dual Tracking, which definitely appears to have been done in our case.
FDCPA violations Portfolio Recovery was sent a request for validation of debt in accordance with MA General laws via certified mailXX/XX/XXXX with a cease and desist order. They refused to reply and continued to place phone calls to my residence 2x per week. They received a 93A Demand notice for FDCPA violations and state violationsXX/XX/XXXX. They refused to reply and continued placing phone calls to my residence. XX/XX/XXXXthey received a second 93A Demand and cease and desist notice. They refuse to comply. Portfolio has provided no validation of their claim, violated numerous state and federal collection regulations and continued to contact me via phone and inw riting at a minimum two times per week. 


I demand the phone calls stop, the harassment notices stop and the fabricated debt be removed from my reports in accordance with both state and federal law.
I do a payment plan with the collection fot the credit card of citibank and then when i paid for one year they want the all amount and in this time i not have the all money to paid. I opened the account in XXXX not in to XXXX. According by law it 7 years in the credit record and i past the 7 years. The same think of bank i moving to XXXX and i closed the accoubt by me.
In XX/XX/XXXX, I filed a complaint with Santander Consumer regarding how I make my payments. They only allow me to make payments talking to a representative. This costs {$10.00} a month. They have an automated system where you can pay less to make a payment but it has not allowed me to do this since XX/XX/XXXX. They stated it was because I had a return checks. I told them that I do not want to pay with a check I just want to pay with my debit card and it will not let me. The office of the president told me that this block would be lifted in XX/XX/XXXX to allow me to pay through the automated system so I can pay less fees. I still could only pay with my debit card, which I am fine with, but the fee would be substantially less. As of today, XX/XX/XXXX, I am still not able to pay through the automated system. I have to talk to a representative and pay the XXXX fee just to make a payment. 
I believe this company is ripping off comsumers by doing this, This needs to be addressed.
I just woke up today to a closed Bank Of America account without no reason or explanation. I would really like to know what happened this account history was excellent, never got any overdraft, never got any payment back, and neither I was involved on any illegal activities so this mades no sense for me
On XX/XX/XXXX, I checked my bank account and saw a check made out to the Court. I immediately called my bank and they said I wrote a check to the court. I said no I did n't. After a few moments they said it was a garnishment. I then called the court and they told me a judgement was made against me in XX/XX/XXXX.They said that the law office trying to attempt the debt sent a summons. I said I did n't receive anything regarding the situation or the garnishment at all! I asked the court to mail me papers. She gave me a number to contact the law office. After trying 5 different numbers that I was given by bank and court, I was able to speak with someone. The law assistant said that it was delivered and because it was not returned to them unable to deliver, that they assumed I received it. Then said I even called to talk to someone about it. Then proceeded to say '' I did, we were going to make a payment arrangement for XXXX . '' I said well, a lot was going on in my life last year but i did n't recall talking to you and would never have agreed to that because I could never afford that amount. After all that I said can we make an arrangement on the amount due XXXX. She then said that I owed XXXX. I said the garnishment paper from the court says differently. I have asked now twice for them to send me what they have and they wo n't but keeps asking me to send her what I have instead, i am confused why i would have something they do n't have. I faxed my doc. on XXXX, she states they never received it? She also states the court fees are XXXX, but my judgement paper states XXXX. They have continued to call me and I feel threatened if I do not comply, that there will be more garnishments. I received the judgement papers on XXXX ( from the court after asking for them to mail to me ), they garnished my paycheck on XXXX and the judgement for the garnishment was filed on XXXX.The last record on the docket was XX/XX/XXXX and out of no where in XX/XX/XXXX garnished my checking account. All the info on my sheet states it was verified on XXXX. So then I was left without my money and was never told I could dispute this at all and was left without any options. I feel as though they are withholding information and/or trying to get me to offer up information that in the end would incriminate myself. I would just like to settle and end this all. Also the debt is From XX/XX/XXXX.
XXXX XXXX XXXX in WA falsely claims that I moved into an apartment in XXXX, WA with new carpeting and new flooring which is a lie. They claimed I destroyed the apartment 's interior and the carpeting and flooring in the kitchen and bathroom had to be replaced. This is also a lie. After thoroughly cleaning the unit XXXX cleaner than when I moved in ), I contacted my landlady at XXXX XXXX to get my {$1800.00} deposit back. After a few months, I started getting calls from a collection agency. I learned that my landlady had left XXXX XXXX XXXX. I never signed an initial lease agreement - and wonder if my signature was forged ... Anyways, I should get my entire deposit back just because of this. Also, I was n't informed that I would not be getting my deposit back. I provided notice of leaving the unit on XXXX XXXX, XXXX and my lease ended XXXX XXXX, XXXX. XXXX XXXX XXXX put this into collections on XXXX XXXX, XXXX! I learned that XXXX XXXX XXXX refurbished my apartment ... using my deposit money and putting the rest into collections. I then learned XXXX XXXX XXXX has done this to MANY people. I ca n't find a lawyer to help me because the total ( deposit + collections ) only comes to about {$2500.00}. Small claims court will not take my case over the phone, the Attorney General 's office does n't get involved in anything rental related. I refuse to pay for this ... and, in fact, I 'd like my deposit back. I literally heard of filing with the FTC through WA 's FBI. As mentioned, they 've pulled this scam with lots of people. There are many complaints filed with the Better Business Bureau. TenantsUnion.org is well aware of this problem in WA. I tried working this out through XXXX of XXXX mediation but, XXXX XXXX XXXX blew us all off ... twice. I 've been trying to resolve this matter for almost a year. I ca n't believe this scam is on-going and no one seems to be able to do anything about it.
i HAVE SEVERAL MEDICAL ACCOUNTS LISTED ON MY CREDIT REPORTS ( equifax, XXXX AND XXXX ) The accounts are from XXXX XXXX  and have been in DISPUTE FOR OVER 6 MONTHS. I have ordered my reports several times and the accounts just show as being disputed but they should have been removed.
This is in reference to my joint account with my husband with XXXX XXXX. They are always months late reporting to the credit bureaus. Normally it takes them 3 or 4 months to report. I noticed the end of XX/XX/XXXX that they had not reported any information since XX/XX/XXXXon my credit report. We were looking into purchasing a home and needed it to accurately report. I filed a dispute wanting them to update the account. The account was updated but updated incorrectly with a 60 day late for the month of XX/XX/XXXX. I was not late in XX/XX/XXXX and have the payment information to prove it. I disputed it again on all credit bureaus as not being late. I also called XXXX XXXX  who stated that my payments were on time and that I was in deferment in XX/XX/XXXXand XX/XX/XXXXand those months I only made partial payments and then I was completely on time with payments. She did say that another department would have to correct the late payments and she transferred me to them and then from there I was transferred 3 more times and no one know who I needed to be in contact with. My reports from all 3 credit bureaus show inaccurate information. Then after all of this for the month of XX/XX/XXXX I finally heard something on an update on my account and it was from XXXX and it showed charged off account updated to be charged off XX/XX/XXXX. I don't have a charged off account. Upon investigating all my credit reports XXXX  now has a charge off for Charge off XX/XX/XXXX and then account ok until XX/XX/XXXX which showed charge off again and then ok again until charge off XX/XX/XXXX. The account has never been charged off. XX/XX/XXXXall 3 credit bureaus were reporting ok and then Transunion and XXXX showed 60 days late. It cant go from ok to 60 days late. XXXX and Transunion show worst delinquency as 90 days which is not reported at this time and XXXX  shows charge off. The balance on my account per the company website shows that I owe XXXX and according to XXXX  and Transunion it shows {$7700.00} and XXXX  nothing because it is charged off. Ever since I had this account there has been late information reporting, system glitches and problems that I am unable to get fixed. I am hoping that we can just reach some kind of mutual agreement to restore my credit for XX/XX/XXXX-XX/XX/XXXX since that is when the problems with all the inaccurate reporting and misinformation is from. What is later that than that is of no real concern to me. I am just looking for some kind of repair here to restore hope with this company. I have attempted every thing that I know and I just keep making the matters worse instead of better. I am not late and have not been late and maybe if I hadn't of just wanted the reports to update and left it along I would be in better shape now. The sad part is this is not only damaging one person 's credit but two people with the information.
I received a collection letter from XXXX XXXX XXXX XXXX ( XXXX ) stating that I owe PayPal {$480.00}. As of today I have a XXXX balance in my PayPal account. I called XXXX to discuss the letter but my call was dropped before I could speak with a representative. I called PayPal and informed them of the letter and PayPal is investigating after confirming I owe PayPal no money.
I have reached out to Credco several times about an unauthorized inquiry that they reported on XXXX XXXX 2015 that i have no knowledge of. I have never had a contract thru thus company. They are reporting an inaccurate inquiry on my credit report. I have been told sevetal times by representatives im not in their system but yet they continue to leave this inquiry on my report.
I get frequent calls from XXXX but when I answer they do n't respond. I did some XXXX research and learned that this number belongs to EOS CCA, a debt collection company that apparently buys uncollectable debt from various companies and then tries to collect on it. As far as I know, I do not have any unpaid debt and I have no adverse actions on my credit report, so I do n't know why they keep calling me. And since no one responds when I answer the phone, I ca n't even find out from them why they keep calling.
A LOAN WAS DONE XX/XX/2013, AND PAID XX/XX/2013 IN FULL. i WANTED TO PAY IN FULL AND CALLED TO MAKE THE PAYMENT OVER THE PHONE. i ASKED WHAT THE AMOUNT WAS IN FULL THAT NEEDED TO BE PAID. i PAID AND ASKED IF THIS WAS FINAL AND CLOSED. THE PERSON I SPOKE WITH SAID YES, PAID IN FULL. TODAY I RECEIVED A CALL FROM A COLLECTOR ON BEHALF OF ACE SAYING I OWE MONEY. {$880.00} PLUS LEGAL FEES????!!!!??? i PAID IN FULL WHY DO I OWE THEM MONEY, THE LADY I SPOKE WITH XXXX XXXX SAID WELL WHO EVER YOU SPOKE WITH WHEN YOU MADE THE PAYMENT DIDNT CLOSE THE ACCOUNT???? NOW THEY ARE SAYING YOU OWE THEM MONEY.???? wHAT DO I DO??? i HAVE THE BANK STATEMENT FOR THE AMOUNT I PAID. i WAS TOLD ON THE PHONE THAT PAYMENT WAS IN FULL!
On XXXX XXXX, 2018, I received a call from this company. They recited my driver licence 's number and the last 4 of my social. I ask the woman for a debt validation letter, but she claimed they had already a letter to an old address and that they were n't sending anymore letters and the next step is garnishment and doing " something '' to my license. I could n't make out what she threatened to do because she was really belligerent from the start of the conversation, which leads me to believe that that is a tactic they use to get you flustered and intellectually marginalized so you ca n't logically think. The debt she said I owed was {$4000.00} from an unpaid payday loan {$700.00} years ago. This is incorrect because while I 've taken a payday loan before years ago in college, I never took out {$700.00} and I already have a payment arrangement set up with another debt collect. The caller was highly uncouth and disrespectful. I believe they might be trying to scam me. She said her name was XXXX XXXX
MY ATTORNEY RECOMMEND THAT CAPITAL ONE BANK DO A CREDIT ACCOUNT REVIEW ON XXXX ONLY! AUDIT TRAILS AND PROFILE DATA IN CORRECTLY MATCHING CAPITAL ONE INFO. 

WHEN APPLIED FOR THE 2 CARDS THEY PULLED A 4-1 ON ALL 4 BUREAUS.
XXXX ( mortgage servicer ) is falsely listing me as a debtor on a mortgage, however I was never on the mortgage. I believe this is illegal activity on the part of the XXXX mortgage service company as part of the subprime lending crisis. My name was on the Warranty Deed only, never on the mortgage. XXXX has fraudulently reported to credit agencies that I am in default even though the debt/mortgage is not and has never been in my name. 

My credit rating has been severely and negatively impacted as a result of XXXX 's falsification, which is a very serious matter. My credit rating was previously Very Good-Excellent before XXXX 's false report. 

The service company name and address : XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX tel : XXXX
Hunting Bank Paid from my escrow account a non bill insurance Declaration Page statement. putting my escrow in to a seriously negative balance.
My account number with Nationstar Mortgage is XXXX. Their website states=== ===== CONGRATULATIONS< YOUR LOAN IS PAID IN FULL. Under that statement it says===="we will=====process the release of your lien".  I have contacted Nationstar several times, inquiring about the release of the lien.I was then referred to their subsidiary XXXX as they handle lien releases.Agent of XXXX, XXXX was unaware my situation and she did not see anything in the system that indicated the lien was to be released and she said she will investigate.Contacted Nationstar again today and spoke with XXXX.She said she will send an email to the department that handles liens.My impression is that I am getting a run around and that the Lender is not acting in good faith.I want the lien released