WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I contacted XXXX XXXX XXXX in reference to my account.

The woman told me I also have 2 other accounts and would I like to set up a payment plan for these. I explained that I am on a fixed income and only receive my XXXX  check. She tells me should would work with me, They would need to take {$1.00} out of my checking account for each of the 2 accounts which I agreed too. Then on the XXXX  of every month starting in XX/XX/XXXXthey would continue to take {$25.00} out for each account. Which I agreed. She was mentioning about XXXX I told again only XXXX as this is all I can afford She then said on my other account I owed XXXX which again I told her I again pay XXXX  a month. She kept talking all these numbers and finally I said As long as it is XXXX a month per account. I checked my bank statement on the XXXX of the month and I saw I was charged XXXX   on one account and XXXX on another leaving me with a -XXXX   balance. I called them and told them about this and was told I agreed to this amount. I know I didn't as I don't have that type of money Now I had to put a freeze on my checking account as the bank didn't cash the XXXX so it was returned and freezing it would not let them try to cash it again. As for the XXXX I imagine I am stuck paying that but my bank will credit me any overdraft fees. Now I have to go and open another checking account so that Midland Credit does not have my backing information and continue to deduct any more checks.
My complaint is against First Federal Credit Control , INC. They apparently sent me a notice on XX/XX/XXXX about a medical bill that is owed to one of my XXXX. The amount is for {$140.00}. I do not remember receiving the notice, but I do have a notice they sent me on XX/XX/XXXX. Nowhere on that statement does it state that it was a second notice. I called and spoke to XXXX at First Federal Credit on XX/XX/XXXX. I informed her that I got the notice and I was paying the amount that I had on my Hsa card, which was {$62.00}. I payed that amount the same day. I let her know that within the month I would take care of the {$80.00} I still owed. On XX/XX/XXXX, I received an email that my credit score had gone down because of a medical debt that was reported to one of the credit bureaus. I called FFCC on XX/XX/XXXX to talk about why it was reported to an agency when I had spoke to her a week and a half before and made a payment. She was extremely rude and would not discuss the debt in a normal manner. I tried to explain that I have had multiple XXXX  this year and I am juggling many bills to different billing agencies. Her response was, just like everyone else has to do. Although that is true, not everyone has received medical bills totaling thousands of dollars with in a few month time period. I also asked XXXX when I called the second time why no one contacted my by telephone to let me know they were going to send it to a reporting agency or even verify that I was aware of the debt. Her response was that they called early XX/XX/XXXX and I hung up on her, which is not true at all. I find it very strange that she would not try back to see if the call even went through or it was the right number. The second call was very heated and she ended up hanging up on me. Is this standard practice if someone shows good faith with a payment? Are employees of debt collectors allowed to handle these situations however they like??
Hello, currently did business with PayPal for over three months for my XXXX XXXX. PayPal has closed my account due to I was on an authorized person on another account for the company I was employed with to speak with PayPal for that account. I do not work for that company anymore. 

I personally do not have any money that is owed to PayPal. PayPal said that you will need to hold my money for 90 days. I explained that XXXX has 30 day money back guarantee so why would keep the all of my XXXX on orders that had been shipped and no issues for over 45 days? PayPal said its their policy to hold all your money in case of returns. My Case with PayPal is Case ID Number : XXXX PayPal has closed my account due to my name on a account that I used to work for last year. 

PayPal is holding XXXX of my money and will not return my money. PayPal is not a bank. Nor is it a FBIC accredited. So how can they hold any funds? 

I have spoken with PayPal agent in late XX/XX/XXXX they said it should be released to you. 

I have called them back to see about my funds being released back to me. I explained the situation to to agent about sending my money and she was very rude to tell me I will have to wait because the credit cards have over 90 return for charge backs. 

PayPal has said they I will have to wait 120 more days till I get my money. 

I have waited over the normal time that should be released to me. 

This situation is standard for them, they do this to everyone. here are just a little sample of the issues caused by them. https : //www.paypal-community.com/XXXX Please help me!
There was a collection debt that has been recalled back by the creditor in XX/XX/XXXX, Equifax has not done nothing about it as of XX/XX/XXXX and still reporting it therefore affecting my overall credit score, I have filled a dispute with no results, when I try to access my account on the website I am always logged out, personal information on my account was changed by a creditor even after I submitted copy of driver license and social security card, there is no way to get a hold of the company customer service not on the website not over the phone, I was emailed links to see the investigation results but I can not access them because the link or the information is incorrect, I have searched online reports on complains about this company and find that time and time again thousands of complaints about this company from reporting to customer service, 1 ) why is this company allowed to report on persons/people credit report if they report incorrect information 2 ) why is this company still allowed to conduct business if they do not provide any customer service or the worst customer service in the world 3 ) why is this company allowed to conduct business if you can not access the information or dispute it I would like someone to provide information to me on how to have this company stop reporting on my credit report since the information they are reporting is incorrect, out of date
I used the PNC Mobile APP XXXX to Transfer money to an individual to purchase Football Tickets for the XXXX XXXX vs XXXX XXXX XXXX on XX/XX/XXXX. I sent the buyer {$200.00} to his XXXX email address out of my checking Account and the seller never sent me the tickets and disappeared leaving me out {$200.00}. I immediately called both XXXX and PNC both of which who said there was nothing they could do as XXXX did not offer any buyer protection and it should only be used with friends and family. PNC took my dispute but spent less than 1 day researching anything and sent me a denial letter of my dispute. I was fraudulently scammed out of {$200.00} and my bank is doing nothing to help me retrieve my funds. They said i authorized the transaction therefore its my fault. This is no different than using XXXX or XXXX  and authorizing a transfer of funds why is XXXX any different? I feel I am wrongfully being cheated out of {$200.00} by both my bank and XXXX.
Consumer Adjustment Co added 4 collections to my credit report XX/XX/2018. An account duplication was also noted when reviewing my credit notifications. All debt with XXXX XXXX XXXX XXXX and Hospital are paid in full as of XX/XX/2018. This can be proven with receipts, or by contacting XXXX XXXX XXXX XXXX or Hospital. I already contacted them, they stated all debts are paid in full. These collections need removed. A dispute has been filed as of XX/XX/2018.
They are not applying my extra loan payments to my principal balance. I make my monthly payment on time and then I will send in extra money that same month to be applied toward my principal. Instead they apply my extra payment to interest. I called and asked for it to be fixed but they told me I can only make extra principal payments the same day I make my regular. This is a simple interest loan with no pre-payment penalty. The reason for making extra payments is to pay down the loan faster. By miss applying my extra payments that will never happen. Payments are made on line and there is no where to state that the extra payment should be applied to principal. Also there is no where to see how your payments are being applied. You have to call the office and ask them to mail you a statement.
Last year at my work, I received a call that said I had a debt and action would be taken against me if I did not pay it. The person even said " well do n't you have a XXXX that you can borrow from to pay this '' They call me at work so I got really nervous and made some payment arrangements. Here recently money has been tight so I call Global Credit and collections to have the amount of the payment adjusted and I was told when I called that they no longer have an account for me in there offices, so I put a stop payment on the check because they said I had no account there. Then I recently received a call from XXXX XXXX saying she is with Global and she sees that I put a stop payment on the check so I explained that I had called and was told that I did not have an account with them at this point I asked them to provide me with the amount of the original debt and copies of every payment they have taken out of my account the woman replied " well that makes perfect sense and hung up on me. I feel like this company is a scam and I am not giving them another Penny of my money. I also found out that XXXX also wrote off my balance. I do not feel I should have to pay a balance that was written off.
Solomon & Solomon are attempting to collect a debt in which I 've asked for documents that I still have not received. I 've asked for them to show me that they are licensed in my state to collect a debt. I 've also asked them to send me documentation that shows that I owe them for the debt they allege that I owe to them even though I have never done business with them. I 've asked for them to send me the assignment of the debt to prove that they are the ones to pay any debt they claim I owe. I want to see payment history on this account to prove that the amount they say I owe is correct. I have not received this to this day even though these are my rights according to the FDCPA.
Citi retaliated against me for submitting a large dispute by closing my account which is in violation of the consumer credit protection act avg the equal opportunity credit act which prohibits banks from discriminating against anyone who exercises in good faith any of the protections protected by the consumer credit protection act which includes billing disputes
This debt has passed the statue of limitations for this company to attempt to try and collect and/or report the account to the credit bureau 's. I have now received more harassing mail attempting to collect on a debt I do not owe, and threatening to report it after its already been removed from the credit bureau reports.
I received an email on XXXX/XXXX/17 stating that Navient ( XXXX XXXX ) had a lawsuit against them for not giving their borrowers the opportunity to make arrangements on their student loans. I have student loans through this company.
Corrupt company. violates all sorts of laws. They filed lawsuit against me but I was never served. Thus they obtained defaulted judgement against me. Garnished my wages .I Filed claim of exemption. judge granted it due to low wages. They disregarded the court order and took 25 % of wages anyway. Then went through another county to do it and claim I switched employers which is not the case. A $ XXXX debt turned to $ XXXX the debt is over 13 years old now they renewd judgement. Help! May have to file bankruptcy. They damage everbody.
SunTrust Bank  charged my account for an over draft coverage when no over draft exists on the account. I filed a complaint here with CFPB and since then the bank has refunded the amount of the charge error, however now I noticed that during the last week of  XXXX    XXXX   they charged the savings account a {$7.00} maintenance fee and a fee {$3.00} for checking the balance at the banks  own drive  through ATM. I have a  " Maintenance Free ' ' savings account and have had for over 10 years. In fact part of the conditions for my  Maintenance Free accou nt is that I allow the bank to transfer {$5.00} dollars from my checking account to my savings account on or about the  XXXX  of each month. Which they did. I have never paid any maintenance fees on the account and want my money refunded.
On XX/XX/2016 XXXXET my balance read {$39.00} on that same day at XXXX ET my balance read {$45.00}, the following day XX/XX/2016 XXXX ET my account read {$200.00} without me depositing any more, I decided to call " Chase '' customer service to get clarity on this fluxing account balance the rep told me that the balance that is being sent to me is yesterdays end of day balance which i do n't understand why would send me a past balance if its not the current up to date.On XX/XX/2016 XXXX ET my balance was - {$42.00} I decided to visit a " Chase '' an speak to the branch Manager. I spoke to the manager about the problem and was explained that a merchant I brought merchdise from took a week to take the funds I replied " I understand that but I called customer Service about my account changing daily, and no one informed me of thats why and let my account go negative thats why I 'm upset '' the Branch Manager responded saying " A lot of out customer have had issues with faulty daily balances '' I decided to close out one of my accounts and withdrew {$4300.00} and left {$100.00} in my other account cause I have my payroll check waiting to be deposit and ask that my debit card still be linked to that account. Only later to find out that my Debit Card was closed out as well. I submitted a compliant to " FDIC '' as well on an issued i have had with " Chase '' while I was working out of the country it was just to lengthly to write here as well but this is another recent issue I have had with " Chase ''
There was nothing to explain further. I have been sending letters to XXXX and Experian for months now and I have repeated myself over and over again. Bankruptcy ChapterXXXX-petition filed XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNT
I apply to refinance my home laon with this morgage company loandepot has a program called HARP. Harp program is for people that have mortgage problems or issues in 2007. They talked to me about HARP I understood how it works I qualify for it under their guide lines this program helps people that is underwater owes more than the house is worth there are not financial denied when loandepot person help me and said everything was ok when he started to work in my loan he noticed that I owe {>= $1,000,000} he asked me if I have a second morgage. Told him tha the reason why my loan was so high is because XXXX XXXX XXXX screwed me up when he gave me a loan modifications and I had no choice but accept their new laon conditions or I was to be homeless they took advantage of my situation of desability no money and with my family they told me that this modifications was wrong and may be fraudulent becouse under HARP guide lines they where  supposed to do this kind of work out. He told me i qualify for the program but because of the way this loan was done he could n't help me and that was one of the reasons why XXXX XXXX XXXX was sued I told him that if wad to denied my loan I want to describe the reason the real reason why he was going to denied it he said he would n't know how is going to be but it will be a denied letter under the guide lines of this program it would n't be any denial financial issues
I have several inquiries that do not belong on my credit report such as fifth third bank, XXXX XXXX and several more.
Prestige Financial continued to report false information on my credit files without validation and verification as requested. I continued to request for verification and validation but to know avail. This is not my account.
I AM EXTREMELY FRUSTRATED WITH THE FACT THAT XXXX XXXX XXXX IS ALLOWED TO CONTINUE TO VIOLATE MY FCRA section 623.They are reporting my credit history inaccurately on purpose is a clear violation of RIGHTS.US Court of Appeals Ninth Circuit , No 00- 15946, XXXX vs. XXXX XXXX allowing them to keep using {$1.00} increments to keep re aging this unverified accounts its totally wrong and has been going on for months. I HAVE SENT DOCUMENTS DIRECTLY TO THEM I HAVE FILED XXXX   COMPLAINT, MULITPLE CFPB COMPLAINTS, AG COMPLAINT. THEY HAVE RE-AGED THESE UNVERIFIED ACCOUNTS MULITPLE TIMES OVER A 6 MONTH-12 MONTH PERIOD. AND I HAVE PROVEN THIS OVER AND OVER WITH ALL 3 BUREAUS. XXXX HAS DELETED 2 OF THE ACCOUNT. AND LEFT 1 WHICHI IS THE SAME ACCOUNT NUMBER. EXPERIAN AND XXXX KEEPS ALLOWING THE VIOLATIONS TO OCCUR EVEN AFTER I HAVE PROVIDED PROOF OF THESE VIOLATION. I HAVE PROOF THAT BOTH EXPERIAN AND XXXX BOTH SAY THEY HAVE VERIFIED THAT THE INFORMATION IS ACCURATE. ITS A VIOLATION AND THIS ILLEGAL. They Re-Age your account by reporting the date of the last activity instead of the date of the first delinquency. XXXXonsumer Protection afforded by the FCRA {$1000.00} FCRA Section 605 ( c ). Clearly you are not paying attention to the actual paperwork. LOOK AT THE DATES OPENED? LOOK AT THE ACCOUNT NUMBERS? LOOK AT THE UPDATED INFORMATION? REFINANCED? HOW IS IT REFINANCED AND ACCOUNT CLOSED AT THE SAME TIME? HOW DOES A LOAN GO FROM XXXX TO XXXX? HOW DOES A LOAN GO FROM BEING PAID AND CLOSED TO NOW OWEING XXXX? IF YOU WOULD LOOK A THE DOCUMENTS AND NOT USE YOUR XXXX SYSTEM YOU COULD CLEARLY SEE ITS INACCURRATE AND THEY HAVE BEEN ALLOWED TO REPORT THIS CAUSING ME MAJOR ISSUES!!!!! IM SHOCKED.

It is the duty to provide notice of dispute.If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer, As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I AM A REAL PERSON NOT A CREDIT REPAIR COMPANY! THIS HAS DIRECTLY AFFECTED MY LIFE IN MORE WAYS THEN 1. I HAVE ASKED FOR HELP IN MAKING THIS RIGHT.
Wakefield and Associates in XXXX TN contacted my ex-spouse about an account that has several medical bills attached to it. He was even subpoenaed to a court date. The bills are solely in my name and always have been even at the original providing facility. Wakefield and associates even sent him a detailed statement to my ex-husband at his address.  After I made it clear to them we were no longer married and that this could possibly even violate some health information protection acts. These bills are in my name and have been discussed extensively with him before I was even aware of them due to me never receiving any mail at my current address even though mail at my old address with my old married name is to be forwarded to my new address. So I assume I never received any mailings. Also, this company refuses to take any less for a payment than {$200.00} per month.
In XXXX 2017 and paid $XXXX to the collection agency. The collection agency removed their reporting to the credit reporting agencies and now I'm asking if this can be removed as well. I'm in the process of trying to buy a home for my XXXX son.
When I ordered my credit report history in XX/XX/XXXX, I noticed a delinquent account that I have never had opened. So I contacted the XXXX company and they did a investigation and found out it is a fraudulent issue. So they said they will close the account and report it to credit bureau. Well XX/XX/XXXX comes around and I wanted to buy a house and XXXX is still on my credit history. I did receive this letter that i attached. I would like it, if someone could possibility of removing this from my credit history. It is becoming a nightmare.
I received an email from CFPB that they had reviewed my complaint that I submitted and sent it to the company ( Equifax ) for a response. The company ( Equifax ) was unable to respond to my complaint because they believe that I was a victim of fraud. Also, I have to contact the company ( Equifax ) directly for more information. I have contacted the company ( Equifax ) about this issue. I had the police to do me a report about what happen to my identity. They file an incident report instead of an regular police report. Where I stay, they do an incident report when you come to them and tell them that someone has stolen your SSN #. When I called Equifax, they ask me to fax over the report and I did. The last time I talk to a rep, he stated that I had to get the police to file another report saying " police report '' instead of " incident report ''. To me it should not matter, because it has on the incident report that I reported that someone stole my SSN #. I have called Equifax many times about this and they are not showing an results about deleting the hard inquiries off of my credit report. I feel that they need to have this removed. If the hard inquiries does not get remove then I will have to take legal actions.