WillisBack/dataset-financial-user-claim huggingface dataset:
I had an item that I wanted to sell and I used the services that ebay provided. Ebay directed me to set up an account with Paypal so that I would be able to receive payment when the item sold. I accessed Paypal through the ebay page and began to register my bank accounting and personal information. While going through the application process they asked me to verify the small deposit ( s ) that was credited to my bank account as a way of verifying my identity. Paypal also sent me an email stating that they needed to verify my email address as well. 
In checking my email I noticed several e-mails from Paypal. One of which was an application saying that I was denied credit from Paypal. I immediately said " what? '' outloud because I was n't applying for credit but entered in personal/ banking information so that I would be able to receive payments if I sold the item on ebay. I did n't knowingly or intentionally, for that matter, want a credit account with Paypal. In fact I was not even aware Paypal offered credit lines.
This is a follow up complaint to a response on Case # XXXX where Select Portfolio Services virtually admitted to violating RESPA regulations : First, they freely admit that XXXX XXXX ( the mortgage holder before loan was transferred to them ) paid off XXXX. In addition to the fact that this was done without my knowledge or permission, the fact remains that this was in fact a cashout/debt consolidation loan because it paid off MY account with XXXX. 
In the same response they say they are going to defy RESPA in refusing to rescind my loan. 
All of the other garbage they are throwing in, such as the state of my what they call delinquency are irrelevant to the issue ; why do they think I 'm not paying them?
Had a USBank Visa card, on XX/XX/XXXX they received a payment of XXXX payment, which left a balance of XXXX. 
The remainder was paid on XX/XX/XXXX which left a XXXX balance. 
On XX/XX/XXXX called and asked to have account closed, and was informed at that time it still had a XXXX balance. 
After getting the letter in the mail on XX/XX/XXXX that said the account had been closed and it was dated XX/XX/XXXX, I decided to look online to make sure all was right, and there was a XXXX balance, it said it was interest charged on Purchases that was charged to the account on the same day it was closed. 
My wife called to inquire about it, and was told that it was from a balance transfer from years ago ( which is a lie ), yet this is the 2nd time the card had been paid off, and any balance Transfer was done before last pay off. 
The statement says Interest on purchases, and XXXX interest on Balance transfers, and XXXX balance on cash advances. But XXXX interest on Purchases. 
And since they did n't credit the XXXX till XX/XX/XXXX they charged Interest on over XXXX worth of balance, at 24.99 %. 
This interest rate has been going up each year since getting card, and never had one single late payment. 
I talked to some woman named XXXX on XX/XX/XXXX who said she was from Legal department, and what they did was legal, and I needed to pay that amount that day, because the account was closed, or she would report it as 30 days late payment. 
I feel I have been victimized by them, and they want me to pay for closing the account at XXXX. The attached file XXXX shows what I am talking about. 
Can you Help?
Been dealing with Bof A and NationStar for FOUR YEARS Trying to get a modification in place on XXXX homes we own. ( XXXX a rental and # XXXX our personal home. ) Have done EVERYTHING they 've asked and have the paperwork and fax/mail receipts to prove it. Constantly getting more and more requests for docs they " did n't receive ''. We were allegedly in modification talks and were attempting to secure XXXX, and they went ahead and foreclosed anyway. They also got a judgment against us that we were n't EVEN SERVED! I have about XXXX pounds of documents, emails and receipts for evidence oXXXXf my allegations, so believe me if you want some good evidence of the illegal half assed business practices, I 'm your gal!
I moved to XXXX, XXXX in XXXX 2011, and established a phone number at that time. I initially received many debt collection calls, but now continue to receive daily robocalls for another person, from XXXX ( XXXX ). The phone numbers they use include ( XXXX ) XXXX, ( XXXX ) XXXX. I have attempted to block their number only to find myself daily robocalled by this same number. 

I have no debts in collection and have never had a business relationship with XXXX. Their robocall provides no mechanism to inform them that they are calling the wrong numbers.
Very unclear and difficult to deal with and their website is very hard to find information and I think my payments have not been applied correctly
I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX XXXX XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to XXXX XXXX in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.
On XXXX/XXXX/2015 I mistakenly made a balance transfer from Bank of America to XXXX ( {$2400.00}, {$3100.00} ), I payed off the balance in full immediately when I found this out, however Bank of America charges so many fees for this transactions. 

XXXX/XXXX/2015 MINIMUM INTEREST CHARGE $ XXXX INTEREST CHARGED ON BALANCE TRANSFERS $ XXXXXX/XX/2015 INTEREST CHARGED ON BALANCE TRANSFERS $ XXXXXX/XX/XXXX INTEREST REF BT XX/XX/2015 $ XXXX INTEREST CHARGED ON BALANCE TRANSFERS $ XXXXXX/XX/2015 BALANCE TRANSFER TRANSACTION FEE $ XXXXXX/XX/2015 BALANCE TRANSFER TRANSACTION FEE {$73.00}
The company has been calling me everyday at work and home. All of my debts have been cleared ( paid off ) but this company ca n't seem to get it together. My credit report is free of any collection accounts because I have paid off the accounts I owed. This company is harassing me and when I tell them not to call, they say they will call anyways.
I sent a certified letter to ARS National XXXX XXXX XXXX XXXX CA XXXX asking for verification of the debt, i have proof of the time of receipt. They called later that day after receipt of the letter when they are not allowed to attempt to collect the debt now that verification was requested and waiting for response per the FDCPA.
CFPB case # XXXX XXXX weeks and no response. See attached letter When looking side by side at our original check dated XX/XX/XXXX sent by us in good faith before due date on XX/XX/XXXX per CITI stmt and what CITI transposed and submitted incorrectly, it is clear their end made an error causing the bank check to bounce twice. The check # was NOT XXXX like CITI input but was # XXXX so this was NOT my fault or my credit unions fault. 

On XX/XX/XXXX, I have made arrangements with my credit union to stop pmt on the original check and the funds are in my account but I will go no further until resolution fair to me is reached.
I am on my 3rd leasing contract with Honda Financial Services. I leased my XXXX vehicle in XX/XX/XXXX. During that time, I was over my mileage for my XXXX vehicle in which the vehicle was surrendered. I received a bill in XXXX in which I was advised to pay {$1300.00}. I also received a phone call from a gentlemen advising me to pay a little shy under {$170.00} per month to satisfy the past due amount. I explained to him it wasn't feasible for me to satisfy that amount since I'm already paying over {$300.00} for the newly leased vehicle. It was explained to the representative that I could pay {$50.00} per month at a minimum. I asked during the call if this account would affect my credit and was told no. I was also not told during the call that the monthly amount being requested was finalized and could not be changed. My initial payment on the XXXX vehicle was XX/XX/XXXX ( {$50.00} ),  XX/XX/XXXX ( {$100.00} ) and XX/XX/XXXX ( {$50.00} ). Today, XX/XX/XXXX, I received a call from Honda stating I am 117 days past due on my account and it needs to be resolved today before taken any further. The initial lady I spoke with call was disconnected so I had to call back. I ended up speaking with XXXX who informed me that the monthly amount I was told to pay was not a formal agreement however the amount is being reported on my account and is 117 days past due. I was asked to confirm an amount I'm comfortable with so the account didn't go any further. I asked how can the account go any further, when Honda has been accepting my monthly payments? I informed XXXX I can pay {$50.00} at a minimum per month. When the balance was split into about 22 months, the agreed amount calculated to {$50.00} and will be due on the XXXX of each month. So it's safe to say, the " formal agreement '' took place on XX/XX/XXXX which was 4 months from when the initial was generated. I would like to have the inquiries disputed that's being reported by Honda Financial Services to be investigated and be reversed.
Navient has never worked with me on a realistic repayment plan. They 've only ever accepted a $ XXXX- $ XXXX/mo repayment which would Have put us over XXXX % of income going to student loans. They would not do a payment plan when we were both unemployed with proof of unemployment. We 've since increased our income but they will not work with us on a realistic plan to get caught up. The offered me to pay in full {$12000.00} when we barely have {$500.00}! I call every few months to see if I 'll get lucky speaking to someone that can help. It I 've now gone almost 2 years with no payments being made. 

I did make payments on time for several years in a row and my balance increased. Such a scam.
XX/XX/XXXX To Whom It May Concern : I would like to file a complaint regarding the handling of an unauthorized transaction on my small business checking account ending in XXXX held with Bank of America ( BOA ) Merrill Lynch. I am a XXXX of the business, and have been a member with Bank of America since XX/XX/XXXX. 

On XXXX, I was notified via email by BOA of a suspicious transaction on my business account. I discovered upon accessing my account via online banking, that there were actually XXXX unauthorized transactions pending. The XXXX transactions were : XXXX for {$640.00}, XXXX for {$420.00}, and XXXX for {$1800.00}. 

I contacted BOA within the hour and informed them that these transactions were not authorized and that the access device ( debit card ) was still currently in my possession, and that there were no other authorized users for this card. That card was cancelled and a new one was issued. 

BOA returned the XXXX and XXXX transactions, but informed me that the XXXX transaction had to post to my account and that I would then need to dispute the transaction. After 3 days of repeatedly calling BOA to have the XXXX transaction cancelled and to not be funded, they still refused to do so. The transaction showed as posted to my account on XX/XX/XXXX, so I called in to file the dispute and I explained to the representative that I was out of state and would be until XX/XX/XXXX and that the dispute affidavit would need to be mailed to the address I was staying at. The dispute affidavit finally arrived the second week of XX/XX/XXXX after additional phone inquiries requesting the form. I completed the form on XX/XX/XXXX, and returned via mail. It is Dispute Claim : XXXX. 

A temporary credit was issued to my account on XX/XX/XXXX by BOA. BOA rescinded the temporary credit on XX/XX/XXXX without notifying me before hand at my business/home address, or by phone or email. 

I had verbally disputed the fraudulent charge ( s ) prior to the transaction hard posting to my account, however, BOA did not take action to return the fraudulent transaction upon my notification that it was fraudulent and prior to actual item posting and is now saying that I am at fault and therefore out the funds. 

As a XXXX, I feel that I should be extended the same protection as granted to a consumer. I took the appropriate action to notify BOA of the fraudulent transaction in a timely manner. They failed to take the proper action to deny the fraudulent transaction, as they had done with XXXX, and XXXX. 
As a loyal, 24 year account holder with Bank of America, I should, and expect to receive a refund the full amount of the fraudulent transaction ( {$1800.00} ), and I would like to participate in prosecuting those responsible for committing these crimes. 

Points of Contact : BOA Claims Dept. - XXXX XXXX Local BOA Branch : XXXX Relationship Manager XXXX FL XXXX XXXX XXXX XXXX County Sherriff 's Dep : Deputy XXXX XXXX
I have XXXX complaints about all XXXX major credit bureaus ( XXXX, XXXX and Trans Union ), that show they are not taking the proper precautions to protect individual 's identities, and have practices that cause consumers who have been victims of identify theft to pay for services that they are entitled to get for free. 1 ) All XXXX are using very outdated SSL security on the websites that one must use to enter social security information, which means an unsophisticated attacker can easier capture SSNs in transit. 
2 ) In order to get a free credit freeze when consumers who have proof of identity theft MUST send that proof by regular mail, which includes the consumer 's SSN, to a XXXX for all XXXX bureaus, with an address that includes the bureau 's name and " credit freeze '' in the address name. This makes identify theft through the postal mail extremely easy! The postal service loses large quantities of mail each year. Also, this means it will take more time to place the credit freeze due to waiting for regular mail to make it to/from the credit monitoring bureau. For those reasons, I felt the need to pay for the freeze service that I was entitled to get for free. 
AND, I could not find any place on any of their websites where I could contact them to raise these issues.
All three of the agencies are not able to provide my credit report online as they are all saying they ca n't handle the volume due the amount of traffic that they are getting due to the Equifax breach. 

Most of them are timing out, saying the volume of requests are too high, or they ca n't handle the load. 

Further, all three agencies are not able to effectively place a freeze on the account -- either the system is timing out, or they are indicating that they are not able to place a freeze this time. 

This is the most key time when these functions should be able to work -- the fact they ca n't handle the work load is something they should have thought of and had a contingency plan in place for.
I Received a call XXXX XXXX, XXXX at XXXX from XXXX in regards to a XXXX XXXX XXXX account that is XXXX XXXX XXXX from Glass Mountain Capital XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX IL XXXX, XXXX XXXX. I informed the representative that I am willing to settle the account for XXXX of the original debt. The representative then transferred the call to someone who could arrange this payment. I then began to discuss the same guidelines with the next representative. She then informed me that see could see my existing credit card with other establishments with Balances of XXXX and XXXX XXXX dollars. Which I believe to be a violation of the Fair Debt Collection Practices Act ( FDCPA ). I have never heard of a company leveraging existing account to force a payment from a client. I hung up and called the company back and asked to speak to an supervisor who refused to provide me with the information needed to reach out to the Consumer Financial Protection Bureau. I asked where the received their license to collect debt so that I may call and lodge a complaint. The supervisor dismissed my request and transferred me yet again to another unhelpful representative who could not and would not answer any question I had with regard to their practices or licenses. I ultimately received the CFPB from a fellow professional who was absolutely shocked by the manner in which this was handled.
I am disputing the Hard Inquiry from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX Made on XXXX XXXX 2015. 
I have attempted to request of them to remove the hard inquiry since I did not initiate it. 
They CAN NOT be reached as XXXX reports they have gone out of business. 
XXXX THEREFORE, neither can Experian to verify this is a valid hard inquiry, that I requested which it is NOT, therefore since the I contest it is not and have done due diligence by reaching out to the furnisher and they have nor can not respond, I am requesting this Hard inquiry be removed in accordance with federal law.
Upon first contact back in XXXX, the company, Co-Operative Adjustment Bureau, has had ONE representative that pretends to know everything and how everything works. I originally contacted them about a questionable increase of amount owed, and their response was it was interest on the originally agreement. I'm going to add the account is from an apartment complex not a credit company. Therefore, there is NO interest. The original amount owed was {$2600.00}. Just this year alone it has increased to {$3000.00} because of " interest ''. When I brought up the fact that they are not allowed to collect interest they brought up some legal code that claims they can because of the original agreement. The only issue is, the original agreement and lease was nullified in XXXX of 2017. And was never renewed. Therefore there was no agreement between the parties. Yet they are constantly raising my amount. I kept trying to solve it and all I ever got was just pay it. So I got irritated and started yelling at them and even recording the calls, after letting them know that it was being recorded, they never refused authorization, their only response was, " well that's illegal ''. This. ompany makes it hard to communicate and if it's not their way it's no way. I would like them to get a reality check. They can not raise amount owed or attempt to collect more than is originally owed under FDCA Laws.
I am a victim of identity theft. I have 2 fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. The 2 hard inquiries do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX
This company is calling friends and providing them with information that I need to pay or surrender the car and, I'd I have auto insurance and also if I'm driving the vehicle and where it's located. Thus let 's others know that I am behind on my payments and us very embarrassing. They can contact me but please don't give my loan info to others
I am on bi-weekly payments with ditech. 
They did a system migration and applied the payments to principle which made my loan in pass due status. I then received a letter from a debt collector in attempt to collect a dept. 
This is a problem that was create by ditech to thousands of loans. It has affected credit problems and mental stress.
After requesting validation of this debt from Enhanced Recovery, they responded with a letter stating they were going to delete the account from my credit report. However, when I got the results from XXXX the acccount remained on my credit report. I sent a copy of the letter stating they were going to delete the account from my credit report to XXXX and XXXX responded stating Enhanced Recovery had verified the debt. This letter is clear in stating that the account will be removed and is dated XX/XX/2016 so there is no reason the account should be verified as of XX/XX/2016 especially since XXXX had proper evidence the account was to be removed.
I 've never lived in New York. This is not me, I 've always lived in South Carolina.
WellsFargo closed my Personal and Business account without a notice or a warning. 
I went to a branch to withdraw some cash and the teller informed me that both my accounts ( Business & Personal ) have been closed by WellsFargo. 

I called WellFargo Risk management more than 10 times to get information about my account closure, they could not give me a proper answer. 

The Risk management called me days after my account closure, said they will hold the funds in my account for a couple of weeks, then send me a cheque for the remaining balance. 

My business is legit, registered, licensed and comply with XXXX programs.
American Express advertised {$100.00} airline fee credit on qualifying airlines. It does not list the airlines that qualify. It says to see terms and conditions, but when one clicks there, it doesn't list them either. You have to click several times just to get a point where they say " call us to get the list of qualifying airlines. '' The airlines are not listed clearly and conspicuously and they make it difficult and require you to jump through hoops to find out about the airlines. 

I wanted to use the credit on an airline and they said it didn't qualify. They wouldn't send me a list that I could have accessed before I signed up for the card. I told them it wasn't clearly and conspicuously listed, but they said I could have called. They should list the airlines clearly and conspicuously on the site and not require so much friction to find out.
I borrowed XXXX from advance credit LLC of CA, but when the loan was approved that went to XXXX dollars plus more than 70 % interest plus they have my title plus they installed a tracking device on my car and the loan was consummated in XXXX, 2014 and I still owe more than XXXX, they will not respond to MA state officials or to me about interest rates and possibly working out a settlement. late fees are upwards of 35-45 dollars and its illegal to do business in MA
I contacted Security Collection Agency # XXXX to resolve a collection of debt for a dental bill, I paid the bill in full with the understand that they would report it as paid in full and never received a paid in full receipt. I was told I can dispute the debt with the credit reporting agencies and that the debt could be removed. The debt current has not be removed.