WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I made a payment of {$380.00} to my Paypal Credit account. I selected to use my Paypal balannce of {$380.00} and upon submitting payment I received an email confirmation with the following information ( Please also see attached email ). 

" We received your payment of {$380.00} USD and applied it to your PayPal Credit account balance. 

Here are the details : Your PayPal Credit account ending in : XXXX Funding account : PayPal Balance - {$380.00} You paid : {$380.00} USD Payment date* : XX/XX/2017 Confirmation number : XXXX '' On XX/XX/XXXX I noticed that my XXXX checking account was debited for {$380.00}. 
At XXXX Eastern standard time I contacted Paypal about the problem and they stated that I selected my checking account to make the payment. When I told them about the email evidence they put me on hold and then came back and told me that because my account had a transaction for a payment to XXXX on XX/XX/XXXX for {$4.00} and a transaction on XX/XX/XXXX for {$4.00}, than my balance was now {$370.00} and so my checking account was used. It should be noted that the payment was marked as completed on XX/XX/XXXX ( Please see attached screenshot ). I asked that they refund the money to my checking account and they said they would only refund the money to my Paypal account, not my checking account. Further, they would not do it before XX/XX/XXXX. I am still waiting to see if I will have to pay the fee to withdraw money from my Paypal account along with the overdraft fees, potential bounced check fees along with hourly wages and other losses that there error has already caused me.
They have been calling XXXX XXXX times a day, starting about two weeks ago. Each time I answered, I received no response. Also when I ignored the calls, they left no voicemail. Finally after them calling me four times already today, I answer in an aggravated time. I asked in a very irritated tone, " Who is this, and why do you keep calling me? '' They asked my name, so I repeated my question. They replied, " XXXX. '' I then asked, " With who? '' They replied with, " XXXX with ICSystem. '' I then proceeded to tell them that I did n't know who they were and to put me on the do not call list. Before I was able to say anything else, they cut me off and told me they do not have a do not call list and they 're debt collectors. They then told me that they would n't tell me what for unless I verified I was who they were looking for. I then hung up. I 'm looking for ways to stop them from calling, but my first step was to file a complaint.
The XXXX XXXX XXXX  XXXX if fraudulent reporting a negative item on my Transunion file. I have filed with the FTC under fraudulent activity.
I requested a modification review. I provided all of the requested documents. After I gave them ALL of teh requested documents, they started requesting more documents. I gave them those additional documents. They confirmed that they had all documents and suspended the foreclosure sale date based on that. Then about 2-3 weeks later, they called and requested more documents. However I do not have these documents. They asked for Balance Sheets. Assets and Liabiltiy and Schedule E documents. I contacted my CPA and he stated they are asking for financial documents that I am not required to create as I am considered a disregarded legal entity in the eyes of the IRS. I called and called and called and explained that until I was blue in my face. I received an update in XXXX that the foreclosure would move forward without these documents. I spoke to a manager named XXXX XXXX, he verfied with me that they DID NOT NEED those documents once he spoke to the underwritier and he would get this fixed. He is now on vacation .. I am still getting calls from the sinble point of contact and provided what they wanted and my house was still moved to foreclosure with a sale date of XX/XX/2017. I also have a CFPB complaint that I filed regarding this and BEFORE the new foreclosure date ... so Wells Fargo has been notified about this problem but has not responded to the CFPB Complaint. I got a letter in the mail dated XX/XX/2017 from Wells Fargo that my modification is still pending..however they still moved my home into foreclosure. This is called Dual Tracking and it is against the law.
Front of sheet accompanying prepaid card indicates " valid thru : XX/XX/XXXX ''. I was n't able to activate the card using my zip code as requested and was finally able to get through to a live agent. Upon activation, agent informed me that the balance remaining on the card was {$13.00} ( instead of {$16.00} ). He had to explain that there was a schedule of fees located on the back bottom of the sheet, essentially fine-print that is not user friendly and seems very shady to me as a customer, since I did not request this prepaid card and it was issued to me by XXXX through Citi.
I received a XXXX APR promotion from PNC for my credit card account. I wrote a check to myself in order to consolidate my credit card bills and went to a PNC branch on XX/XX/2019 to deposit the funds in the amount of {$7700.00}. Funds posted to my account today XX/XX/2019 in the XXXX. I went to pay a bill and at th end of business and PNC reversed the funds and withdrew from my account after it deposited!!!!! Not only did PNC not notify me I almost bounced my checking account due to their negligence. If PNC needed to place the funds on hold from a Regulation CC the bank should have put the funds in a pending status only and not deposited the funds. I called PNC customer service to find out what happened. The PNC credit card department stated they couldnt see anything in my account and to return to the branch which is unacceptable. Removing deposited cleared funds not only is a terrible practice it is a UDAPP violation against me as they potentially caused overdrafts fees on my end for insufficient funds. This is not only unfair but PNC didnt even advise me. Talk about a bait and switch situation. I am looking for asssitance from the CFPB on this matter and no one could assist me today since the branch is closed and apparently when you have escalations such as these no one is there to assist.
I opened a secured credit card account with Capital One several years ago. As of XXXX XXXX, 2016 they held {$2800.00} of my money. On XXXX XXXX, 2016, I closed the account and was assured by Capital One they would return my funds within XXXX billing cycles. Now, on XXXX XXXX, 2016 after XXXX seperate calls to Capital One, they still have not returned my money. They have lied to me every time.
On XXXX/XXXX/XXXX SUNTRUST, my bank took out an overdraft charge when I had sufficient funds in the account for the purchase in question. I had {$53.00} in the account and I made a purchase of {$41.00} and the bank applied a {$36.00} overdraft fee for that transaction. Had that overdraft fee not been applied unwarrantedly then my next purchase that cleared for {$10.00} would not have taken me into the negative either because I had {$11.00} in the account still. I DID overdraft the account at that point. I had not realized that I was in the negative and made an XXXX XXXX purchase which I over drafted for and since then they have charged me two more overdraft fees for a grand total of a negative balance of - {$110.00}. I do not understand why i was charged the initial overdraft when there was clearly enough money in the account to cover it. Also, I have never heard of an extended overdraft fee and I have been charged an ADDITIONAL {$36.00} for not bringing my account balance to XXXX within 5 days. Last I checked most of middle class and poor Americans like myself get paid every two weeks. And how can a bank punish someone further for not getting their account back to XXXX QUICK enough?
After several returns, I informed XXXX Credit Card that my statement was not reflecting the credit returns for the items I have returned. They refused to investigate and look into the matter
I have been charge {$0.00} during a period of five months for a service I did n't activate or even require and which was activated with my consent, even after calling to deactivate the service the service has been charge twice after the first call to deactivate it.
I have received multiple phone calls to my place of work. 7 calls came to my place of work in a matter of 3 hours. When I reached out to XXXX ( the individuals making the calls ) to ask that they contact me by cell phone and email only, t hey threatened to show up at my job to serve me papers. They attempted to speak with several of my co-workers about the issues which is a breach of privacy. I attempted to speak with XXXX and they informed me that it was an outside firm making the calls. I was not able to reach a solution because the representative would hang up on me. ( 4 times ). The only contact information I have for them is XXXX XXXX and a phone number XXXX.
I have settled my debt with these companies and they are still listed on my credit report. Some are as old as XXXX. I owe no money and am trying so hard to repair my credit. I have XXXX credit card and a car payment now but my history still haunts me. Please help me.
I'm contacting your company again because I just checked my credit report and now Equifax is also displaying fraudulent account balances to lower my credit score. Equifax is retaliating against me everytime I contact your company for help with fraudulent credit inquiries and accounts that the put under my name to lower my credit score. Now they are purposely reporting fraudulent balances on my XXXX   XXXX XXXX card in which they lowered my score 30 points because I had a so called balance of {$58.00} which is not true and I have attached supporting documentation because I have a XXXX  balance. They also lowered my score another 40 points for fraudulent accounts which are XXXX XXXX XXXX with a balance of {$420.00} and that shows up twice on my credit report once in abbreviation and XXXX XXXX XXXX   which these accounts are fraud and I want them removed from my credit report at one.
On XX/XX/XXXX, I applied for a Barclaycard Visa with XXXX XXXX. Please note that I already hold a MasterCard  issued by Barclays and that my FICO score is in excess of XXXX. On XX/XX/XXXX, I received a letter requesting copies of my social security card, driver 's license and bank statement or utility bill with my name and address. I contacted Barclays and they told me that these documents were required to establish my identity. After that conversation, I copied these sensitive documents and mailed them to Barclays as requested. On XX/XX/XXXX, I mailed copies of my social security card, drivers license, bank statement, electric bill and a copy of my owner information and parcel description from the XXXX XXXX Real Property Tax Records. Throughout the month of XXXX, I have made numerous calls to Barclays and asked for the status of my application or to return my identification documents to me. They have done neither. Meanwhile, I received letters dated XX/XX/XXXX & XX/XX/XXXX requesting the information that I have previously sent to Barclays! Today, I called Barclays and this time, I was told that application was denied but the representative could not tell me the basis for the denial. Meanwhile, I am extremely worried that Barclays has lost my identification documents and I am at serious risk of identity theft due to their incompetence. Also, I am very concerned about the effect that a denial of credit will have on my FICO score. I have spent a lifetime maintaining a stellar credit rating which is now being jeopardized by Barclay 's negligence. Finally, please note that I am a senior citizen and that I believe that I am also a victim of age-related credit discrimination.
I got an American Express Platinum card which promised XXXX membership rewards points upon spending {$3000.00} in 3 months. I met the spending on the card and I was awarded the XXXX membership rewards points. Upon receiving the points I redeemed the XXXX points for travel. After I redeemed my points, American Express took my points back and now I am sitting at XXXX points. I got a letter from American Express that I redeemed my points too soon and that is why they took the points back. This is not part of the agreement. Because of this issue whatever the points I earn through platinum card purchases will go to the negative balance of the points. American Express should provide my points back as I met the minimum spend as mentioned in the agreement.
XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Re : XXXX XXXX Dear XXXX XXXX : This is my final attempt to contact you regarding my request for your company XXXX XXXX to remove the XXXX air conditioning unit and any and all other components installed in my home on XXXX XXXX, 2016. I have tried to resolve this matter with you ( XXXX XXXX ) and XXXX XXXX XXXX since XXXX XXXX, 2016.  Ive contacted XXXX XXXX XXXX Credit Card to dispute the charges of {$13000.00} and to conduct an investigation in to the manner in which this account was opened. I have made several attempts to resolve this mater amicably. XXXX XXXX has not made any attempts to contact me regarding removal of this unit. Your company called and offered me {$500.00} weeks ago and last week XXXX called asking for my email address to send me some sort of warranty information. Each time I requested the removal of the unit and each time I was told that they would have you call me back. To date I 've yet to hear from you. Therefore youve left me with only two ( 2 ) options Ive listed below 1. I could have a XXXX Authorized Specialist remove  the above referenced unit and deliver it to your office at your expense. 2. I could have a XXXX Authorized Specialist disassemble the above referenced unit and store it in my garageand charge XXXX XXXX a storage fee. 3. I want you to realize that you have removed to working units from my property when I ask you to leave them. You have lied to me, stating the EPA requires you to remove units or be fined XXXX dollars. I have verified this EPA. and it was found that you lied. Please contact me within five ( 5 ) days from receipt of this letter ( no later than XXXX/XXXX/2016 ), so that we can settle this matter. If no response by XXXX XXXX, 2016, I have no choice but to pursue the above referenced options. Your prompt attention regarding this matter is greatly appreciated. You may only contact me via email at XXXX. Regards, XXXX XXXX
I want to make a complain against Navient. I have been paying my school loans since I believe XX/XX/XXXX/XX/XX/XXXX and just recently in XX/XX/XXXX I lost my job. I called Navient to see if I had other options besides forbearance. They mentioned this would be my only option but this would still mean that my percentage rate will still apply every month regardless. Its frustrating to me because I have a very high interest rate that they wo n't allow me to change. So I am paying double at the end. When I did file for a loan I was not aware of how much interest rate I would get hit with. I am out of my wits with no help and a growing loan that has not yielded anything for me!
I received a call from a debt agency called XXXX XXXX and XXXX based in XXXX Texas. The debt collection agency stated that they will garnish my wages for a debt over XXXX XXXX XXXX. A vehicle that was repossessed 10 years ago. The number that called me is XXXX which is from XXXX New Jersey. The person told me I will be arrested if debt not paid.
I'm reaching out because I got a copy of my credit report and saw so many inquiries that are not mine. I dont know who is trying to run my credit. Can someone please have these inquiries removed from credit report. XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.
I have disputed the late payments on XXXX  XXXX, XXXX XXXX, XXXX  XXXX for months. Transunion refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
I AM A VICTIM OF MORTGAGE FRAUD AND DISCRIMINATIONS FROM WELLS FARGO HOME MORTGAGE. AS A RESULT OF A CLASS ACTION LAWSUITS FOR MINORITY HOMEOWNERS, I WAS ISSUED A CHECK BY WELLS FARGO XXXX. RECEIPT OF THE CHECK WAS SO UNTIMELY, THAT MY BANK REJECTED THE CHECK AS OUTDATED. I RETURNED SAME TO WELLS FARGO XXXX MORE THAN 7 TIMES FOR A REPLACEMENT. AS TODATE, I HAVE NEVER RECEIVED ANY REPLACEMENT OF THE RESTITUTION CHECK AS ORDERED BY THE UNITED STATES DEPT OF JUSTICE. OUTDATED CHECK NO XXXX, TRACKING NO XXXX, CHECK AMOUNT {$7300.00}. MY MORTGAGE LOAN NO IS : XXXX. THAT MONEY LONG BEEN OVERDUE TO ME AS RESTITUTION. AND THE XXXX ISSUED ME A BAD OUTDATED CHECK WHICH OF COURSE WAS OF NO USE. I DEMAND JUSTICE AND FURTHER DAMAGES PLUS INTERESTS.
I have sent  XXXX  certified letters to each reporting credit bureau agency  XXXX ,  XXXX , and Experian on  XXXX  separate occasions to dispute an inaccurate  Public Record  being reported on my credit report. I have been totally unsuccessful in having this inaccurate  Public Record in formation removed from my reports. Every written/certified request to have the item removed comes back with the explanation the item has been verified and/or verified as accurate. If this is the case, why not supply me with the proof as requested in my letters? Because they can not. I feel my RIGHTS as a consumer have been Violated. This inaccurate  Public Record is  making it difficult for me to obtain the proper credit, decent interest rates, approval for housing, etc ... As a consumer, I have the right to have my credit report accurate information without error. I am asking for your assistance to have this  Public Record r emoved from all  XXXX  of the credit bureau reporting agencies.
I HAVE FAXED EQUIFAX FRAUD DEPT FX # XXXX MY FTC REPORT # XXXX ON XX/XX/2018 AND BY FTC LAW EQUIFAX WAS SUPPOSED TO DELETE/BLOCK SAID ACCOUNTS INCLUDED IN THE REPORT ( DUE TO FRAUD ). AS THEY HAVE JUST COMPLETED FOR OTHER ACCOUNTS PREVIOUSLY IDENTIFIED. THIS TIME EQUIFAX HAS DECIDED TO TAKE IT UPON THEMSELVES AND DISPUTED THIS WITH THE ( 3 ) FINANCE COMPANIES LISTED BELOW : XXXX XXXX, XXXX XXXX # XXXX, & XXXX. THIS IS HURTING ME BECAUSE BY FTC LAW IF YOU HAVE A FTC REPORT THE CREDIT BUREAUS MUST DELETE/BLOCK DUE TO FRAUD. I DID NOT AUTORIZE A DISPUTE THIS WAS DONE AGAINST MY WILL. EQUIFAX TOLD ME THAT I WOULD HAVE TO ALLOW 30 DAYS ( WHICH IS FALSE ) EQUIFAX STATES TO ALLOW 5-7 BUSINESS DAYS FOR THE ACCOUNTS TO BE REMOVED/DELETED/BLOCKED. THIS IS LEADING TO ME CARRYING THESE FRAUD ACCOUNTS ON MY CREDIT FILE HURTING MY SCORE TO APPLY FOR ANYTHING, THEREFORE IMPACTING MY LIFE. 
EQUIFAX CONF # XXXX DATED XX/XX/2018 EQUIFAX CONF # XXXX DATED XX/XX/2018 EQUIFAX CONF # XXXX DATED XX/XX/2018
They keep contacting me at my employment and I told them to stop. It is threating my job and my employer does not want debt collection calls on there phones.
My account was opened on XXXX/XXXX/XXXX under a promotional offer of " Open a new checking account with direct deposit, receive a {$200.00} bonus withing 60 days ''. 

The direct deposit was posted to the account on XXXX/XXXX/XXXX. I 've contacted the bank on several occasions via online messaging. First advised I did qualify for the promotional offer and it would be credited. Well after sixty days had passed, I contacted BBVA again via online messaging, and advised I would need to call customer service.
Upon calling customer service, I was advised " yes '' the offer should have credited to my account and it was their mistake it had n't. They now inform me that I must present to the bank in order for the their mistake to be corrected. I fail to understand why my presence is required to correct a promotional offer -bank mistake. I stop by a branch, and was advised to call customer service.
Below is the fine print of the BBVA Compass {$200.00} XXXX Checking Offer. 
You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.
Eligible accounts include BBVA Compass ClearChoice Interest Checking, BBVA Compass ClearChoice Free Checking, and Easy Checking.
Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.
The account must be opened at one of the participating branches above or via XXXX, Option 2, with the account housed at a participating branch.
There is a maximum of one ( 1 ) bonus per household.
Promotion is not available for accounts opened online.
The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited.
ALDOUS thats a company constantly calling they said I have to pay the amount of XXXX dollars because I owned to a gym which I dont remember the name but when I ask them about my information to confirm its me they deny to answer my questions I dont know why they call me I havent been involved in a gym for years besides that they report to credit institution and is affecting in my credit I would like to solve this problem as soon is posible thank you
I had a Macys credit card which had been closed and I was paying off the balance. In XXXX 2017, my minimum balance was {$63.00} and I paid the entire balance by the due date. As far as I knew the card was paid off. I just happened to notice that I had an email from Macys with a balance due of {$6.00}. When I went back through my statements, I saw that in the XXXX statement ( generated after paying it off ) they charged me a fee of {$2.00}. The interest accrued said {$0.00}, but there were fees of {$2.00} and then they charged the same fee of {$2.00} in XXXX and again in XXXX. Since I do n't get paper bills and no longer use that email address, I was not aware this was even going on. I was not concerned since the account had been paid off. When I called them to inquire, they told me it was interest. I 'm not so sure how you can keep paying interest on something that was paid off, and the interest charge even said {$0.00}. I told them I was n't paying it and to fix the charge and supposedly they have reversed it which I have not yet been able to verify. But I ca n't help but wonder how many other people they have done this to.