WillisBack/dataset-financial-user-claim huggingface dataset:
Paypal is holding {$13000.00} of my available money for the next 90 to 180 days. I sold a XXXX security tower on XX/XX/2016 on ebay for {$24000.00}. The buyer paid for the item immediately and paypal showed the balance as available in my account. I made arrangement for the buyer to pick up the item ( which comes with a florida title and registration ) in 3 days. I then tried to withdraw {$300.00} out of my local ATM the next morning after I had received clear payment, but my transaction was denied. I was very alarmed so I called paypal to find out what happened. Paypal informed me that they had associated my account with a delinquent account that was 14 years old ( my current paypal account has been in good standings without question for the last 12 years, and payapl has never tried to come after me for a delinquent account prior to this ). I informed paypal that the delinquent account did not belong to me and asked them to do a fraud investigation. They proceeded to conduct XXXX " in-house '' fraud investigations over the next 48 hours only to inform me that they still believed it was linked to me. During all this time I have a balance of {$26000.00} which paypal is holding ransom until I agree to pay {$1000.00} for this other delinquent account. YES YOU HEARD ME RIGHT, INSTEAD OF FREEZING {$1000.00} OUT OF MY {$26000.00} BALANCE THEY EXTORT ME BY HOLDING MY ENTIRE ACCOUNT RANSOM UNTIL I AGREE TO PAY THEIR CHARGES. So I reluctantly pay the {$1000.00} to gain access of my money, but I did have them note that this delinquent account still was not my account and the only reason I was paying it off was because they were making me do so to un-freeze my account. Now my account is active again for 2 days before another department of paypal freezes my account AGAIN and will not let me touch my money. The merchant division of paypal freezes {$13000.00} and tells me they are going to hold my entire account for 90 to 180 days. Mind you the buyer has already taken possession of the item ( with a florida title and registration ) so I do n't have the option to cancel the transaction. Now I 'm stuck without my item and with a frozen account for the next 90 to 180 days. I use ebay and paypal as my main source of income to provide for my family of XXXX. Now I ca n't make any sales because every penny that goes into my paypal account is frozen up to {$24000.00}. The buyer has also agreed to sign an affidavit relinquishing all of his right to come after paypal or his credit card in the future. Paypal said that wold not change anything, they still would need to hold the money for 90 to 180 days. 
PLEASE PLEASE PLEASE HELP.
I had credit card debt with Bank of America while I was XXXX in the XXXX ( XX/XX/XXXX-XX/XX/XXXX ). After I separated from service, I noticed XX/XX/XXXX that my card balances were unexpectedly much lower. I called Bank of America to inquire about the reason for the balance change. They told me on the phone that they had incorrectly charged me higher interest than was allowed under the Soldier & Sailor Act and that consequently, they had lowered my balance to adjust what they had illegally charged. So I never saw this money - it was just fraudulent interest followed by elimination of fraudulent interest. After I filed my XX/XX/XXXX tax return, I received a XXXX from Bank of America with a total reported " income '' of ~ {$10000.00} ( the amount that they had adjusted my balance ). Again, I never saw this money, so I did n't think I should have to pay taxes on money that was illegally charged and then corrected. I just got a letter in the mail from the IRS stating that I owe {$2600.00} in back taxes because I did n't claim the Bank of America income. In my opinion, Bank of America made a mistake reporting this as income to the IRS and should have corrected it, but clearly they did n't, and now I am stuck having to deal with the IRS to explain the situation. All of this because I volunteered to serve in the XXXX and BoA messed up the interest charges on my account.
I transfer {$1200.00} from my TD Bank account to another TD Bank account user. And was told my money would be returned to my account by the person I sent the money to due to not being able to receive my item of purchase. I also sent over documents regarding this conversation to support my statement. I was scammed out of {$1200.00} and TD Bank did nothing to help me get it back
I ETS out the XXXX XXXX XXXX 2014. In order to clear the post I had to settle all debts. One was to XXXX and the other was to the XXXX on post. With my severance pay I got from the military. Both companies then took payments out my severance package so I can complete my clearing. I've never stepped inside another military XXXX after I got out.
On XXXX XXXX, 2016 I contacted my bank to inform them of a double charge on my card and I know that the Federal requirement that says the bank must provide a refund if the investigation takes longer than 10 has come and gone. I have yet recieved my refund.
In XXXX BB & T gave XXXX XXXX XXXX two depository Checking accounts without my Signature in the name of XXXX XXXX XXXX, XXXX. This was FRAUD. Once he obtained these accounts he captured XXXX income deposits into these accounts, wrote himself checks made out to CASH, and had them CASHED by local XXXX BB & T branch Tellers XXXX XXXX and others. These checks made out to CASH total well over XXXX from XXXX to XXXX. These statements where directed only to XXXX XXXX home address and not the address of the XXXX. In addition to this CASH XXXX XXXX initiated various LOC ( Lines of Credit ) in XXXX for XXXX with BB & T. He placed this ALSO in my XXXX owned business name of XXXX XXXX XXXX. XXXX. Theres been numerous Complaints filed against BB & T with both the XXXX and CFPB and most recently now the SEC complaint has been XXXX as well. BB & T has demonstrated it Corporate Williness to LIE, Fabricate, and attempt to cover up this FRAUD and even Forged Bank Documents. Cases where filed in XXXX VA, where it was discovered the local Judge had a Deep Family History with XXXX XXXX XXXX which was later acquired by BB & T. This XXXX was asked to Recuse himself from these matters, yet he has refused to do so. BB & T has hired lawyers, who are caught on various Emails Apparently Stalking my house, which has also been XXXX at during the time this was reported back in XXXX and is still ongoing to this very Day in XXXX. BB & T its XXXX and XXXX leadership has demonstrated a direct and open williness to engage in all sorts of Tactics to Deny any rights to " Due Process ''. Its is my further opinion that the SEC should investigate this Bank and should find that my statements a Truth and have well documented Standings. XXXX United States XXXX and the CFPB should report this to the XXXX and proper authorities to investigate and ban BB & T from completing any such Merger with any other Banks giving them more power and control. These are serious allegations and I am stating the Truth and have FACT to back that up in many forms. Too much to even begin to upload here.
I disputed the tax lien from XXXX office in the state XXXX to credit reporting agencies. It was filed in error. It was for unpaid taxes for the year of XXXX. I do not owe any taxes to the state XXXX because I am not a legal resident XXXX. I am XXXX military and a legal resident XXXX, which is who I pay my taxes to. It was because of me having an XXXX address that had triggered that. I submitted all supporting documentation and it still was not deleted. The dispute results were completed on XXXX XXXX XXXX and the tax lien still remains. So far, It has been removed from my XXXX report. Please remove this from my report.
I checked my credit report and realized there 's a loan on there reporting derogatory that I did n't apply for or have any knowledge of. I 've reached out to seek validation with my original signature on it to prove it did n't belong to me, but have not heard anything back.
I went on line with Equifax Credit Bureau to dispute a incorrect item on my credit report and instead of starting an investigation Equifax sent me a letter stating that they were putting a " fraud Alert '' on my credit profile and notified the other XXXX credit reporting bureaus to do the same. I did not request Equifax to put a " Fraud Alert '' on my credit profile nor did I give them permission. I requested an investigation into a item on my credit profile by law they are required to do. I want Equifax to remove the " Fraud Alert '' and notify the other bureaus that they notified and remove the same. This is the XXXX or XXXX complaint I have filed against this Bureau. If I ca n't get any help I will obtain an attorney and file a lawsuit against Equifax. I am still unable to receive my online free credit report. I am always told to send in the mail for my report. I am entitle to be able to download my report once I accurately verify the questions. I have asked the CFPB to investigate this XXXX and you have taken the word of this company that their is no block preventing me from accessing and downloading my credit report. Equifax is the only bureau that I have problems. I want this " fraud Alert '' removed immediately and I would like verification that this has been done.
Wells Fargo has been bullying me for a long time with the VA loan I have. I have had this load for 7 years, in the first few years everything was ok. I was playing {$970.00} for the loan, but out of nowhere in XX/XX/XXXX, with no warning or documentation they raised the load payment to {$1500.00}. It took me 3 months to get someone to tell me what happened. Within those 3 months I was put on hold for hours, hung up on constantly. When I finally got someone on the line they said my taxes went up and they didnt take enough out for the insurance. I had to get a loan mod and had it taken down to {$1200.00} in XX/XX/XXXX. I worked some stuff out with them but here in XX/XX/XXXX when hurricane Harvey came thought and flooded my home Wells Fargo gave me 3 months to not pay anything but at the end of the 3 months what ever I didnt pay in those 3 months I had to pay in full. This hurt me and my credit. Wells Fargo had destroyed my credit. I am far behind in my loan due to the fact that Im trying to catch up with paying the bubble and it just kept adding on. I was never given any documentation at all. I asked many times but all I was given was a person telling me about whats going on. I would like it if they could take off the late payments on my credit so I can refinance my house with someone else.
XXXX XXXX XXXX XXXX is in complete violation of the CFDPA, FCRA, HIPAA, They have listed seven alleged debt accounts on my credit reports which I have no firsthand knowledge of and no contract in existence proving the alleged debt reported is legally valid. No request for the services this organization provides was ever requested by me. They prepared negative and inaccurate information to credit reporting agencies. Also, this company seems to have some of my medical records without a medical release form or any type of authorization from me. I believe this violates my privacy according to HIPAA. I notified them twice via certified mail in regards to the accuracy of the information ; however, they have continued to report inaccurate information on my credit report and send me bills. The dispute letters I sent dated XX/XX/2018 using the address they provided to the credit bureaus were returned as No such number, unable to forward ( returned envelope and receipts attached ). This is evident that they reported inaccurate information to the credit bureaus regarding their address. I resent dispute letters dated XX/XX/2018 ( attached ) and they never responded, as I did not receive the signed certified mail receipt back nor were the packet returned to me. 
I am very serious about my credit and their inaccurate reporting has caused damage to my credit, my ability to receive credit, my reputation, as well as an invasion of my privacy. I am requesting that since they have not responded and can not provide indisputable proof bearing my signature of the alleged debts, that all the accounts be removed from all three credit report and that this collection agency cease and desist from trying to collect from me.
Over the course of the last XXXX years I have notified repeatedly with the proper notification paperwork from Court showing that several tax lien on my Equifax report were filed incorrectly and that they were cancelled by the court Equifax repeatedly sends back saying they have verified this which is untrue because I have documentation showing this was cancelled by the court 2 years ago Equifax says they use an outside source but this is also untrue for had they look into the matter through any source they would have been told the tax lien does not exist being that it was reported on me in XXXX XXXX and promptly removed XXXX XXXX so how could they have possibly verified something that does not exist I have sent in numerous times to Equifax documentation showing this cancellation in favor of the state I have also recently received another letter from XXXX XXXX or showing that this was cancelled and that there is nothing showing in their computer system of any tax lien Equifax refuses to remove this from my credit report
Macy 's credit card charged me a late fee for no reason at all. I used Macy 's credit card to purchase some merchandise. I paid the balance in the previous cycle. During this current cycle, I returned merchandise and received refunded. Macy 's insisted that I have to pay the full amount of previous balance in light of XXXX of dollars of refunds. 

it charged me {$27.00} late fee for XXXX balance.
Navient happened. 

Approx XXXX, a Navient employee convinced me to consolidate all of my law school loans ( all $ XXXX ) into the XXXX XXXX XXXX loan, telling me I would automatically be entered into the PSLF if I did. I later found out this was a lie, because my loans would be with XXXX XXXX if I had. And my loan balance has increased to $ XXXX. 

XX/XX/XXXX, I re-certified both my student loans with Navient : XXXX XXXX ( due on the XXXX of each month ) and XXXX ( due on the XXXX of each month ). My payments for XXXX XXXX drastically increased from XXXX {$390.00} to over {$500.00}. XXXX remained the same at {$81.00}. I kept getting e-mails to re-certify my XXXX loans or my payments would go up to {$300.00} beginning in XXXX, putting my total balance owed to Navient - and not counting my bar loan - to over $ 900/mo which greatly exceeds 15 % of my monthly discretionary income. 

I logged into the appropriate site and found that I re-certified in XX/XX/XXXXXXXX. No re-certification is necessary. Instead, what appeared to have happened was that Navient ignored that I re-certified for the second loan and erroneously sent the recertification notices and improperly charged me for my law school loans. 

On the afternoon of Friday, XX/XX/XXXX, I called Navient and spoke with XXXX XXXX. I told him the issues and that I can not afford the $ 900+/mo payment. He immediately gave platitudes and I told him to knock it off. I don't want platitudes. His solution was forbearance. I told him this was not a viable option. Then he suggested I roll my XXXX loan balance ( 2.5 % ) into my law school balance ( 6.0 % ) and that would get me a lower rate. I told him XXXX no. That benefits his company, not me. Why would I roll a lower interest rate loan into a higher one? 

He simply offered to research the issue, but recognized the issue as I described above : Navient failed to properly account for the re-certification.

On top of all this, just before calling, I enrolled from IBR to PAYE.
During the month of XXXX and XXXX, I requested stop payments on my accounts. I placed a stop payment for a transaction to insurance company to be stopped. Chase charged me the fee but still allowed the transaction to occur. I asked for the transaction to be stopped because I need to get my mortgage paid. I advised I would contact my insurance company and make a different arrangement. I was charged the fee and it still wasn't stopped. Apparently, the next few weeks it was very difficult to try to get a handle on my account to pay my debts, feed my family, and pay Chase. Chase would take my deposits to take care of the negativity on the account, I understand that. Yet, I asked for 3 stop payments on my account on XX/XX/XXXX, it was a Saturday. The rep read me the script and advised I called in enough time to stop the payment. I even asked her to look further electronically in the account, she said nothing was showing. However, when Monday came all three transactions came out of my account. I was furious because this was going to cause major issues in my account. I asked for the fees back since they didn't honor there script or service. The script says as long as I call before XXXX pm the transactions would be stopped. Nothing showed on Friday or Saturday of the transactions pending. Yet, I was told since it was pending to hit my account on Friday, they couldn't stop it. Also, Saturday is not considered a business day. NO ONE SAID THIS ON THE SCRIPT WHEN I ASKED ABOUT THE STOP PAYMENT. As a result of the stop payment not going through, I am negative over XXXX. Chase only wants to pay back there fees. I don't feel I should have to pay the full amount, I have paid XXXX per week faithfully but now they will not extend the account to allow me to pay what I can afford. I only make XXXX a week. They want to send to a collection agency. I feel like I am being bulldozed over by this company.
After identity theft occurred ( and a police report was filed ) we placed a " Fraud Alert '' with the XXXX credit reporting agencies, and ordered credit reports to see what information was in them. EXPERIAN THEN MAILED OUR CREDIT REPORT TO THE IDENTITY THIEF 'S ADDRESS INSTEAD OF OUR CORRECT ADDRESS! THE THIEVES NOW HAVE ALL OF OUR ACCOUNTS AND PERSONAL INFORMATION! WE JUST CALLED EXPERIAN, AND THEY ARE VERY SORRY, BUT CAN NOT DO ANYTHING ABOUT IT! THEY NEED TO BE PUNISHED! SORRY IS NOT ENOUGH!
I called  PenFed a bout an inquiry on  X/XX/2017    and was told to send a copy of my credit report to the proper department as it was confirmed I did not apply for any products on the inquiry date. I have not heard back and the inquiry has not been deleted from my report.
This company ( Oak Tree Financial ) tells me I owe a debt from XXXX XXXX. I have never had a XXXX XXXX credit card. This company has my social secrurity number, date of birth, & full name - only thing is not right is they have an address on me from 20 years ago. They say I have a debt of {$6200.00} and that I can settle at {$1900.00} today. I ask them why is this not on my credit report and they say I have to settle with them first before it gets on my report. Their number is ( XXXX ) XXXX they give me a file # XXXX - these people have been harassing me since XXXX and I need help stopping them!! Today XX/XX/XXXX a new number called me on my cell phone ( XXXX ) XXXX they say they are XXXX XXXX XXXX. They want to know if I'll be home so they can serve me court papers. I asked them for what and they say they are not sure they are just to serve papers. So I ask them what address they had and they say it is the address I was at 20 years ago.
At approximately XXXX on XX/XX/2018 I received threatening phone calls from a District of Columbia number ( XXXX ) XXXX. The agent claimed the call was recorded and that her name was XXXX and that the phone call was in reference to a debt collection. 

XXXX asked me to verify the last 4 digits of my social security number as well as my name. I confirmed. She explained that I owed a debt to US Bank in the amount of {$720.00} to U.S Bank for overdraft protection fees. I explained to her that the account was closed over 10 years ago and that I had not overdrafted during the time the account was active to my knowledge. I also informed XXXX that I had not received any notices in the last 10 years from US Bank regarding this matter. I told her that I would follow up with bank directly and if she could provide me the account number in question. I asked her to provide me with the name of the business she was calling from and the address so that I could follow up. She claimed that she was a 3rd party debt collection agency called " XXXX XXXX '' and that she could not provide an address, but that she could give me a PO Box . When I asked her to provide the PO Box address, she said that she didn't have it in front of her and she went into an abusive line of discussion demanding that I resolve the debt with her. I told her that I believed that the claim was scam and that I would report the XXXX XXXX to the appropriate agency. She laughed and hung up the phone.
This company has called my house number, my work number and my cell phone on Saturday before XXXX XXXX and then called again on Sunday XXXX/XXXX/2016. I told them that I would n't discuss this matter over the phone until I receive notification in writing. They said they just purchased the account and are in process of mailing out the letter, but they want to handle this account as soon as possible, because it is time-sensitive. Then they said they would send me an email, to which my reply was " That 's fine, but I still need it in writing. '' The rep told me that snail mail is too slow and they would send it, but they really want to handle this situation as soon as possible. Also they told me that they reported this account on credit as a negative and they will remove it once I 've paid it off. I checked my credit and there is nothing there.
You threatened to pursue legal charges against me in my county of residence, even gave me a deadline prior to you submitting such " charges '' You also, despite being asked not to, CONTINUE TO contact my family and discuss such situation with them. Consider this notice of representation Threatening Arrest or Legal Action. The threat to take any action that can not legally be taken is prohibited Contacting Third Parties. Revealing or discussing your debt with neighbors, co-workers, family members ( other than spouse ), or friends is strictly prohibited.
I had a open account with a company and disputed the balance. The account originally fell delinquent in XX/XX/XXXX. Somehow a new debt collection company purchased it and change the age date on the loan twice to XX/XX/XXXX and then again in XX/XX/XXXX. The Delinquency should be close to 6 years old now not 3. I think they re-aged the account on  purpose.
This complaint is to address the validation of information on my credit report obtainting to a Chapter XXXX bankruptcy that shows filed in 2010. Transunion is showing information on a bankruptcy filed in 2010 with an Indiana Bankruptcy court to which I have no recollection of this information nor do I agree that it is accurate. I have been mailing and faxing documentation to Transunion requesting information on this account to which they have not provided nor validated this account. I have also been in contact with my local clerks office and the court that they list on my credit report and have recieved documents from them. These documents state that they do not validate this information and they do not provide information to the credit bureaus. I have asked that they show me documentation on the process they have used to validate this information is mine to which I have not got a response too. This company fails to validate this information and now will not allow for me to continue to investigate or dispute this information. Please look into this validation of information and correct the errors.
I received a letter stating I owed a past debt to XXXX for {$130.00}. 
# 1 ) We have never been contacted by XXXX of an open unpaid bill # 2 ) Our XXXX account is linked to a credit card so their can not be any open balance owed to XXXX. 
# 3 ) We checked our XXXX account and it has a zero balance and is in good standing. 

This is a fraudulent attempt to collect money hat is not owed nor did they provide any details as to the transaction in question.