WillisBack/dataset-financial-user-claim huggingface dataset:
While PayPal states : " PayPal Purchase Protection covers all your eligible transactions. So if your order is a no-show or does n't match the description, we 'll help you get a full refund. '' My item was a no-show and also did n't match the description of when it would arrive, yet I have had no luck with PayPal Customer Support. 

I filed XXXX separate transactions with PayPal over a month ago. I have spoken on the phone with PayPal Customer Support XXXX separate times about the disputed transaction, and am not getting anywhere with it. The seller has also quit responding to all of my emails. I am about to close my PayPal account, but am first waiting for a proper resolution.
Capital One bank purchased as a debt buyer an XXXX account XXXX which was already in default but agreed by XXXX not to be my debt due to Identity Theft. Unfortunately in 2013 Capital One took the position that they acquired this account and started a brand new collection action. I have notified Capital One within 30 days that this was not my debt and requested validation. In addition I requested : 1 -- validation of the debt balance ; 2 -- the date this account first went into default ; 3 -- the date of very last payment received ; 4-the name and address of the original creditor who charged off this account and the date when this creditor purchased this account ; 5 -- the original application and file evidencing my signature that this was my debt.Since I never received full and detailed answers for these 5 questions, I am hereby demanding such detailed validation again.
In XX/XX/XXXX, I had XXXX and was charged by XXXX for an outstanding bill ( {$4200.00} ). I was wrong by not going to court when Pressler & Pressler sent the summons to appear. In XXXX XXXX until XXXX XXXX, they garnished my payroll check in a total sum of ( {$1600.00} ). I tried calling to set up payment arrangement and their staff member told me unless I pay {$1000.00} then, they would not set up arrangements. The judgement then went on my credit report. On XX/XX/XXXX I called to clear the judgement and was instructed the amount was ( {$2600.00} ) which I paid on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating I owe another {$240.00}, because of interest rates. I called and they would not give me a statement showing the break down of fees, from XX/XX/XXXX until now. I had to pay the {$240.00} because I am in the middle of a mortgage loan. I do n't understand how you are told XXXX cost and then they add other fees after I make the payment they requested. This is unfair. How do I get a break down of my statement and fees. I am an XXXX so to pay extra is not what I do without proof. I also tried to settle and they said XXXX would not take my settlement, but did not provide paperwork to prove that the settlement was offered.
There are XXXX collection account which are not owed, false information and outdated. I have disputed several times and they are still listed. Please help XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX
OXXXX XXXX paid JP Morgan Chase {$1200.00} for mortgage payment I. XXXX, Oh. Due to mistakes by XXXX the check was declined. <P/>On XXXX went back to Chase and asked if they were going to resubmit the check for payment. The woman at the XXXX XXXX, Oh Chase called the home finance department and they said they would not resubmit the check. Since they were not going to resubmit I wrote another check and gave it to the lady in the bank. <P/>On X/X/17 I went back to Chase and talked to customer service in XXXX, Oh and the woman at the bank called the home finance department to find out both checks had been cashed. Home finance advised that a refund check for the second payment would be sent via XXXX or XXXX overnight. <P/>XXXXWhen it was not received X/X/17 or X/X/17 after 5 calls to Chase customer service, the issue was not resolved. I was told that the check was shipped but would not supply a tracking number. <P/>It 's X/X/17 and we have not received the refund check from Chase.
I need assistance with a modification on my loan - this is really not a complaint but since I have needed assistance in the past I have had this loan for I believe 15 years I have had things come up but prior to the flood I was finally doing great. My son was XXXX in XXXX of 2015 and the driver did not have insurance that put a financial struggle for a month or two but everything was getting caught up till the flood in XXXX which was declared a natural disaster. PNC has worked with me when my wife lost her mother and her job and I am begging please just help me. I am in a better financial situation and if I can just get a modification I will pay more so I can get this loan paid off
I have been a member of Wells Fargo since 2004, and have not, until recently, had issues to the extent that I have had with the company. I have chosen to handle the majority of my banking online for convenience but also because the employees working at several of the locations I have visited have been extremely unprofessional while handling my account. For example, I have had tellers read my personal information out loud while handling transactions ( i.e. current balance ). The company has also been uncooperative while dealing with automatic payments on my account. I submitted a request to have a payment stopped until I could research the company taken the automatic payments out of my account. However, Wells Fargo refused, and insisted on the continuation of the withdrawals refusing to negotiate via my online account. More recently, the company fraudulently submitted several transactions sending my account into the negative. The company refuses to acknowledge that these charges were fraudulently placed on my account, and does not give the option to dispute online. I have reached out to several representatives to no avail, and have been misguided and misdirected. The bank also deleted several emails sent to me from representatives in regards to my account. One email was from a representative strongly suggesting that I  do not dispute the charges and that I call rather than email. The email was threatening and suggestive. Several other emails contained messages that they would not stop the automatic payments.The recent transactions are fraudulent, I am now concerned regarding my vulnerability to the company as they are using my personal information, and the company 's refusal to assist with the discontinuance of the automatic payments is unprofessional and unethical.
Hi, Coinbase has locked our account since XX/XX/2017. They had requested that I provide proof of residency documents, which were submitted right away. I have attempted multiple times to contact them and have been unsuccessful. They have been unresponsive to the support ticket and requests to get an update. I have money in my digital wallet with Coinbase and need them to restore my access. 

Thanks, XXXX XXXX
I received a letter in the mail stating I owe Army & Air Force Exchange SVC the collection company is XXXX XXXX XXXX a balance of {$1400.00}. I have filed a police report and have disputed charges and sent documents to them showing I am a victim of identity theft. However, because payments have been made to Army & Air Exchange SVC for this account. They say I owe the balance. I have never made any payments to Army & Air Exchange SVC. I have not received a card from them or benefit from this card. I have sent another dispute letter. I recently received another collection trying to collect the balance a couple of weeks after I sent my dispute letter out again to them.
I purchased from a merchant online. The transaction went through XXXX, was entirely in XXXX $ and was charged in dollars to my credit card by XXXX. The credit card company charged me a foreign transaction fee because the merchant was XXXX XXXX based. There was no way for me to know - or warning - that this was liable to a foreign transaction fee. Using the merchants XXXX site, paying in dollars, and through my XXXX XXXX account makes this deceptive.
In the monthly statement that I recieve from US BANK, I noticed that my APR had spiked up dramatically and without warning. I was caught off guard and at a bad time for me. I recently had to go on dsability on my work and this was really bad for me. This was very inconsiderate on behalf of US BANK. I have used their card for a variety of different purchases and this card was my go-to card for almost everything. I have stopped using this card and will not use it anymore unless my APR is returned to normal. Please look into this matter for me. I have never missed any payments and I have always been very responsible with this card and would love to be able to continue using it. Thank you!
In response to complaint :  XXXX  FAIR COLLECTIONS & O ACCOUNT NUMBERs :  XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX  FL  XXXX ,  XXXX , CA  XXXX  Phone :  XXXX  Fax number :  XXXX  Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act  Section 611 [ 15 USC 1681I ]. You  have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FAIR COLLECTIONS & O or any company associate with this account #  XXXX  and tell them the debt is the result of identity theft. I have enclosed a copy of the  Federal Trade Commissions police report Notice to Furnishers of Information. It explains y our responsibilities under the Fair Credit Reporting Act  ( FCRA ). The FC RA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commissio n FAIR COLLECTIONS & O acc #   XXXX  or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.   Sincerely,  XXXX ,  XXXX   XXXX    XXXX   XXXX   #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX
On XX/XX/2018 the XXXX store from XXXX XXXX, Ca charged my debit card for {$1000.00}. Then the Santander decided to credit the {$1000.00} back to the account on XX/XX/2018. On XX/XX/2018 the bank then charges me again {$1000.00}. 
I have gone to the bank many times to file claims but they kept getting denied. I told them that on the bank statement it says that the charge took place in XXXX XXXX, Ca but the state that I live in is Massachusetts. I asked them why they were getting denied and the bank told me I had to go to the merchant ( XXXX ) to get the money back. 
I call XXXX to try to get the money back but they said I have to go through the bank to get the money back. I talked with a customer relations employee at XXXX and investigated the matter. The employee and I ended up getting proof of a receipt they found showing that the transaction took place in XXXX XXXX. 
I have been going back and forth with the bank with the proof and evidence that it was fraudulent but they refuse to refund the money. I believe that the transaction should not have gone through because it happened across the country from where I live. Santander should have not let that happened. 

Below I have the bank statements and the XXXX receipt I received the customer relations employee.
XXXX came to my home to install an alarm two years ago. The alarm was not installed correctly. I called several times and once a technician came out to my house and still continued to have the same problem. I called them and advised that I no longer wanted an alarm that did not function correctly. I told them they could come and pick up their equipment at any time. To date, I have never received any notification from XXXX or further billing. Now I see that the debt has been reported to my credit report by a collection company.
Hi, 1.The US bank is recently stealing money of consumer through different ways. They have charged me many times, and sometime by disputing they fix the error, but most of the time they don't. On XX/XX/2018 they charged me overdue fee amount of {$36.00} without any reason. I called them more than 100 times to their customer services to solve the problem. Their customer services behave badly with clients, and they play a football game by transferring you to different departments. The loop goes for ever. Each time I call them they transfer me to each other for hours, until I stop the call. That is their strategy to steal people money and make them not call them back. I have been calling them each other day to solve my issue they told me it will take 10 business day, and it took more than 6 months. Last time when i call them to fix the issue they told me it is old case we dont keep data from 6 months. I told them that how it come a bank dont keep data of client when the client is disputing about that case. I told them if you dont have the prove I have it because i have the print version of my statement. They cut the call. So now I am confuse what to do? 

2. For the second case even though I opened case just couple days ago, but I will relate this with the above case because there is something going wrong with the banking system, I hope the CFPB and any other response government agency take the case more seriously because I fear they are doing the same thing with many clients. On Saturday XX/XX/2018, I was depositing {$600.00} cash into my checking account via US bank ATM machine.As I was traveling, and I needed the money badly to pay for gas, and other bills. However the machine gave me an error and printed out XXXX $ is deposited which doesn't make any sense. I called the bank several times, and I was getting different responses from the customer services. Some of them told me that you have to wait two months, and some told me 45 business day. While others told me within 10 business day. After 10 business day I asked what happens to my money, they told me when don't know how long it will take. As I want the CFPB to publish my description on consumerfinance.gov so I urge us bank client be aware of the ongoing fraud in US bank, and be careful check your accounts daily. Avoid your selves before you become victim like me. thanks
I have paid my account balance to XXXX with Bank of America, attempting to get a mortgage for a new home by improving my credit score. They are not updating my credit report to reflect this paid in full balance. 
Please help!
Submitting for XXXX XXXX. Set up mortgage with Rushmore Loan Management Services in XXXX CA. Loan interest rate was to be based solely on XXXX XXXX Standard Modification Interest Rate ( XXXX ). Last year was at 4 %, paid on 4 %. Currently the XXXX is 3.41 %. Rushmore is saying I must pay on a 5 % loan. Tried to explain to customer service and management there how it works. No one can help, said will note and have someone contact within 30 days. XXXX XXXX, Payment is due, rate is up, payment is way up-getting no response to fix. Calls to Rushmore go unheard. This is criminal! Have been reading all the complaints to the XXXX etc. on this organization. Please assist if possible. Thank You! XXXX XXXX
I received a bill for XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX, XXXX XXXX Ending in XXXX for the amount of {$190.00}. I have no such card, I did not apply for this card. I have never activated this card. I have never received a card. I have never made a charge related to this card. Capital One has closed this card and is investigating the charge made on XXXX XXXX, 2017 for XXXX ( {$190.00} ). Awesome Capital One. I do not have cable in my home in any form. The problem is that they state that this charge will remain as part of my credit bureau for 60-90 days. I 'm in the process of moving, this will report as a delinquency as I pursue that process. Capital One is falsely reporting this card and charge on my credit bureau. And will report it as delinquent as of no payment XX/XX/XXXX the pay date on the letter. The supervisor XXXX and rep. XXXX eliviated themselves of any responsibility as to what they could do. I advised them to remove the charge completely until investigation was completed. They stated they could not do that. Even stated that someone was keeping up the account. Which was incorrect as this bill states XXXX for prior payments and balances and the only balance is the charge of {$190.00}.
On or about XXXX XXXX 2015, I noticed while checking a copy of my credit report, a charge for a line of credit that I did not request. The company was " XXXX XXXX '' financed by " XXXX XXXX XXXX XXXX '' and the amount was {$1300.00}. I immediately contacted XXXX XXXX and all three credit reporting bureaus and informed them in writing via certified mail of this error. It is important to mention that up until this time, they did not have my mailing address and therefore had not been able to contact me. I also should mention that I have never been in a " XXXX XXXX '' store. I clearly informed them that this was a fraudulent activity or a mistake and I requested documented proof which is my right and which they are obligated to provide at my written request according to the Federal law which is governed by the " Fair Credit Collections Act '' and the " Fair Credit Reporting Act '' as enforced by the Federal Trade Commission. They failed to provide any documents and continued to harass me for this debt eventually selling the debt to " XXXX XXXX XXXX '' a collections agency. Similar written requests were made with this collection agency with similar results. They have violated my rights as well by failing to show proof of the validity of this debt. 
They continue to harass me for this debt and are negatively effecting my credit report and FICO score, again violating my legal rights. 
It should be clear to them of the following facts that they continue to ignore. First, the name on the original XXXX XXXX charge is " XXXX ''. My name is " XXXX ''. Second, I reside at XXXX XXXX XXXX XXXX NOT XXXX XXXX. And lastly, they have refused to send me a document that I signed with my social security number and signature. Why? because no such document exists.
I have never applied for a loan, done business with, or even heard of Big Picture Loans. 

I received a {$200.00} credit to my bank account from Big Picture Loans on XXXX/XXXX/2016. 
{$200.00} was later debited from my bank account from Big Picture Loans with a note : " Name Mismatch '' on XXXX/XXXX/2016. 
Big Picture Loans then tried to debit an unknown amount from my account on XXXX/XXXX/2016 which resulted in a declined item and a non-sufficient funds fee from my bank of {$34.00}. 

I believe fraud is involved on how Big Picture Loans was even able to acquire my bank account number, and am unsure if someone took out a loan with my identity.
I owed XXXX on a medical bill, I told this company I would be more than happy to pay once I received an itemized bill explaining where the charges came from. At first they agreed. But a bill never came that stated the debt. Instead all I received was a bill with the date and the amount. I called again asking for an itemized bill and was refused. I was told that they would not and could not request another copy and thay if I wanted to know what it was pertaining too I would have to call the hospital myself. I also received a letter threatening legal action if I did not pay, and to notify my employer of the nonpayment. When I confronted them that this was illegal the response was " I did n't know that '' I have since made the payment on the bill but do not believe it is truly owed. As no proof has ever come to me. I did call the hospital and they claim it is for a XXXX, yet no bill has come yet.
ok this is XXXX XXXX XXXX I writing this complaint on XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, CA XXXX.. ok I received a debt today XX/XX/2018. stating I owe a debt principal balance XXXX interest XXXX plus there fees and cost of XXXX total balance XXXX.. Now this is a lie I don't even know any think about this debt.. first this is a violation of the fair credit reporting act .because they brought some back dated debt because my credit has been good and clean for 5 years now. I had a XXXX credit score till they pulled it down low ... second they never tried to contact me on the phone or letter till today. However they already put this on my credit report and damaged my credit. they did this on purpose they hurt me financially because I use my credit to acquire income producing assess ... they violated the fair credit reporting act .I don't owe them I don't know were they get this debt from or who sold them my information but its not my debt ... third of all they never gave me a change to see what this debt is about before they put this reaged debt on my credit report .. I demand they take it off my credit report IMMEDIATELY.I DONT KNOW ABOUT THIS DEBT THE LETTER DOES NOT TELL ME WHAT THE DEBT IS FOR AND WHO FROM THE ORIGIN CREDITOR. THEY JUST PUT IT ON MY CREDIT REPORT BEFORE THEY INFORM ME OF ANY THING. THIS IS A COMPLETE VIOLATION OF MY RIGHTS AND THE FDCRA FAIR DEBT CREDIT REPORTING ACT I WANT THIS OFF MY CREDIT REPORT  FAST AND NOW.
During Hurricane XXXX  I lost a huge account. I got behind in my American Express payments. I had several other credit cards who worked with me. I tried talking to American Express without success. They jacked my interest rates up to 29.99 % and then cancelled my credit card. They had men call me almost every day harassing me to pay my bill. My wife and I took out loans to pay it off and she tried to be added as a user so she could communicate with them. Because they cancelled my card they wouldn't add her, nor would they talk to her about payments. We owed about XXXX. We paid off XXXX in one lump sum ( the minimum required was XXXX ). Imagine our shock when we got a bill from AMEX STILL charging us 30 % interest and the credit card is still cancelled. They harassed me mercilessly and the men were all foreign speaking with a heavy accent and were very very pushy. Every other credit card is charging me about 11 % interest. Please help.
I applied for a mortgage loan to comply with a divorce settlement to remove husband from the deed of trust in which I had to buy him out. Wells Fargo set this up as a refinance with my ex-husband 's name on the mortgage and deed of trust even though I specifically told them it was for my name only and gave them a copy of the signed separation agreement. At closing ex-husband 's name was still on the documents. I was told at closing that I had to sign as is in order to get the interest rate and avoid other penalties. I lined through ex-husband 's name in order to get through the closing. Please see attached for timeline of events.
Applied for loan for hot tub purchase from Wells Fargo Bank. Wells Fargo declined me for the loan and I lost out on a sale price for the tub. I have very little debt with a XXXX mortgage and only {$300.00} in credit card debt. I have a XXXX credit score from XXXX. When we called the XXXX number we could not be directed to someone that could provide information on why the loan request was denied. The loan amount would have been {$3700.00}. I have since financed with another bank. The frustration from this will forever keep me from doing business with this bank.