WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern : I am composing a complaint about PayPal Inc. On XXXX/XXXX/16 I made XXXX transactions ( $ XXXX-XXXX & $ XXXX-XXXX ) using either my PayPal Business Debit card and on XXXX/XXXX/16 I made another purchase using my PayPal ( $ XXXX-XXXX ). All XXXX transactions, according to PayPal 's Mobile App informed me that there were enough funds to cover these transactions, since I made a cash deposit to my PayPal balance of {$41.00} on XXXX/XXXX/16. However I 've been informed as of late by several employees of PayPal 's Customer Service Dept " Not to trust PayPal 's App '' and " Not to be reliant upon PayPal 's App, but rather on [ their ] website. '' This does not help the consumer, like myself, be informed quickly and conveniently of funds that are available. PayPal insisted that i did n't have the funds in my regular PayPal Balance to cover those XXXX transactions, but only {$3.00}, which was applied to the first transaction of {$13.00} bringing it to {$10.00}. As a result of this, PayPal the withdraws debited transactions from a connecting checking account, which all PayPal users must do to initially open a PayPal account. At that time there was n't enough funds within my checking account to cover said debts. Therefore PayPal 's requests for the funds were denied. unbeknownst to me and assuming PayPal already acquired these funds from my PayPal balance, since I noticed it was low. So therefore I made a cash deposit of {$46.00} on on XXXX/XXXX/16 and another cash deposit of {$50.00} on XXXX/XXXX/16. With that being said each and every time I make a cash deposit towards my PayPal Balance, PayPal charges my {$3.00} each and every time to " Load Up '' using a PayPal Load Up Card. ( Also every time I used a new load up card and tried to claim such funds using the card 's PIN on my mobile browser, I would get an error message. It would only work correctly when I used my desktop computer 's browser through paypal.com/cash. ) Meanwhile the XXXX transactions of {$10.00}, {$9.00}, & {$9.00} kept " ping-ponging '' back and forth from my checking account and PayPal all the while my XXXX deposits of {$50.00}, {$46.00}, & {$41.00} were completely ignored by their computer system. PayPal 's computer system kept doing so until it finally debited my checking account, and only to be sent to their collections debt because PayPal states that I 'm - {$7.00} overdrawn and stands firmly that they did not receive the funds originally from my checking account. After speaking with PayPal over and over again, and being switched from supervisors of their customer service dept ( which is all outsourced in XXXX ) told me that I should call and ask my bank if those funds were returned or honored. I was outraged and livid upon this matter! This is double-Dipping! And I 'm appalled at their behaviors concerning this matter. It is illegal! it has to be! If not, It should be! I have screen shots attached to support my complaint against PayPal and their shifty ways, smarmy, double-dipping, lying, and misinformed ways. Please investigate this matter quickly and justly. Thank you for your time and concern.
Sent Inquiry removal letter to Experian after trying to contact creditors to no avail. as Experian told me I had to do. They all came back stating they needed more information like account numbers which I did n't have because I do not have an account with these people. Experians customer service would not help and take care of the negative inquiries reporting on my credit report which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recall authorizing these
Ditech Mortgage held my personal mortgage check ( mailed out the end of XXXX, 2015, for the XXXX XXXX, 2015 mortgage payment ). On XXXX/XXXX/15, when I called and they were unhelpful and clueless when I told them I mailed it in and transferred me to different people in customer service to keep telling my story over & over again. I got no advise so I said I would pay it online to have proof of my payment. The next day, XXXX/XXXX/15, XXXX mortgage payments were taken from my checking account, the check payment and on-line payment. They were holding my check at someone 's desk at Ditech and cashed it when I called in. I want my {$12.00} fee payment back that I was forced to pay online. To require someone to make XXXX mortgage payments in one month does not appear to be legal.
Here is a summary of the chain events leading up to today : XX/XX/XXXX - my wife and I visited Washington Federal 's branch location on XXXX XXXX after receiving a letter indicating we owed Washington Federal money. We thought it was SPAM,  but given the branch was near our house, we went in to confirm there wasn't some type of mistake. We spoke with XXXX, who informed us that approximately five years ago, Washington Federal acquired XXXX checking accounts for XXXX-based accounts. Despite the fact that my XXXX account was established in XXXX, because we now live in XXXX, we learned that our account was affected by this. Based on the records that XXXX was able to pull up in the Washington Federal system, unbeknownst to us, Washington Federal began applying monthly fees to our account for at least the past 18 months, effectively draining it of every penny to the point where Washington Federal was now informing us that we owe the bank money. Upon trying to determine why this was happening, it was evident that there was no cost being incurred to Washington Federal, but simply that new terms had been applied and that this was at the discretion of WashingtonFederal.  I was also told by both XXXX and, subsequently XXXX XXXX the Washington Federal regional VP, that we had been suitably notified of the account changing hands from XXXX to Washington Federal. I can not confirm if anything was ever sent from either XXXX or Washington Federal on this matter, but I can confirm that my wife or I never received any such notification. Never. Moreover, after I established the XXXX account ( I believe in 1993 ), at some point several years later as a XXXX employee I was given a lifetime account that was to be free of administrative-based charges XX/XX/XXXX ( after a series of voicemails and short chats ) - XXXX and I spoke and XXXX reiterated the bank 's offer to close the account and pay back one year 's worth of fees, equaling approximately {$120.00}. XXXX also indicated that the balance of my account when it transferred from XXXX to Washington Federal was approximately {$230.00}. The bank 's position on this is that this offer is more than fair given its policy of only going back and reversing three months of charges and that I, as the account holder, should have been checking my balance more frequently.
XXXX XXXX # XXXX IN THE AMOUNT OF {$1800.00} WAS PREVIOUSLY DELETED FROM MY CREDIT FILE AS I AM NO LONGER LIABLE FOR THIS ACCOUNT. IT HAS REAPPERED ON MY CREDIT FILE AS OF XXXX XXXX, XXXX UNDER A DIFFERENT COLLECTION AGENCY XXXX XXXX. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA XXXX, Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph XXXX XXXX XXXX, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause XXXX ii XXXX, a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; XXXX XXXX ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and XXXX XXXX XXXX a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
My complain is about Bank of America Visa 's fraud protection. BoA had the chance to seize the money in dispute, but still let go without my final consent. 

I filed dispute claim with credit card department on XX/XX/XXXX about a {$2400.00} charge on XX/XX/XXXX by a plumbing company. I received service from this plumbing company but later as I contact them, all can be found is {$570.00} payment from me rather than {$2400.00}. The business owner asked me to dispute this charge with credit card company, they'll not fight back. So I filed claim with Bank of America and emphasized the business owner do not recognize this charge and can provide statements written upon request. 

Bank of America turned back to me onXX/XX/XXXX and told me they got feedback from the " merchant '' insisting they are who they claim to be and it was I who authorized the charge. I contacted the plumbing company again and business owner confirmed again they did not charge, in fact their charge should appear differently than what appeared on BoA 's credit card bill. Now to me I am being charged by a XXXX merchant that registered itself with a very similar company name. 

On XX/XX/XXXX I called Bank of America and ask to resume the dispute. But I am told BoA already sent money to the ( XXXX ) merchant on XX/XX/XXXX, and put back the charge on me. There is nothing Bank of America can do from this point. 

My complaint to BoA is whether they are standing by their fraud protection. Charges made to stolen card are protected, but charges by XXXX  party in disguise is not? Also the unfair thing I feel is, in the claim, I said the charging party is not who it pretends to be, and the charger fights back saying it is. Why BoA choose to believe this merchant over me? Wouldn't it make more sense BoA asked for evidence from both parties before releasing the fund? Don't BoA feel it important to protect it's consumer 's money? 

I do not file credit card charge disputes often. The only other time was many years ago with XXXX, over what I believe a more complicated transaction. The experience with XXXX, in simple term, was way better. 

( Plumbing company is a large franchised chain. It's name is omitted here. )
I have submitted several written disputes with the credit agency notifying them of  XXXX   XXXX   XXXX  attempts to report fraudulent information.  XXXX   XXXX   XXXX  is stating that I owe  XXXX   XXXX  Bank {$670.00}. This information is false. I have never had a account with  XXXX   XXXX   XXXX   XXXX  . Nor have I ever taken out a line of credit for {$670.00}. Several requests were made to the credit bureau and  XXXX   XXXX   XXXX  requesting the following : -Documented proof that a line of credit was issued for {$670.00} -Documentation from  XXXX   XXXX    XXXX   authorizing  XXXX   XXXX   XXXX   to colle  ct  the debt -Documented proof that I applied for this line of credit -Documented proof showing my identity was verified following sectio n 16 o f the FCRA -Documented proof showing  payments  were made by me on this line of credit -Documented proof showing the dates within the credit file are correct  XXXX   XXXX   XXXX  has falsified their  reporting and the c redit bureau has failed to request these documents from the creditor. This item needs to be removed from my file.
I've been called twice by a company called XXXX XXXX XXXX. They have called me from the number ( XXXX ) XXXX, which is a Texas based number but the organization is in Ohio. 

In both calls, the organization has not identified itself as a debt collector and has threatened " further action '' against me. They've provided no information, written or verbal, regarding whatever claim they are making. 

The caller today ( XX/XX/18 ) was Mrs. XXXX. I did not get the name of the guy yesterday.
I got a letter from XXXX. They say I owe a debt on a membership from 1986. Yes, believe it or not, 1986!!!! I told them I do not have a XXXX. I have n't had a membership to a gym in years. As soon as I was dumb enough to call them from the letter, they got my phone number. They call me XXXX or XXXX times a day. I asked them what was the amount of the debt and they tell me XXXX that is current. I say ... current from 1986? These people continue to fish for more and more information. I am actually scared these people will continue to try to get info from me and try to get more info and use it against me. 

ABC FinancialXXXX XXXX XXXX, AR XXXXXXXXHow can we stop them? What are my rights?
Company is not licensed to collect in my state ( Michigan ). I checked on the www.michigan.gov/XXXX website as well as called the state ( XXXX ) and I was informed that the company has no license to collect debt in the state of Michigan. The company took two payments out of my bank account once on XX/XX/XXXX and XX/XX/XXXX. They never validated the debt either. They also never gave me a confirmation of my payment. They claimed they would mail it to me but I never got it after asking it to be mailed twice.
{$350.00} Ive disputed this account several times asking for validation at this time Ive only been sent an itemized letter in response, no documentation bearing my signature was provided as requested by neither the creditor or credit bureaus. At this time I am seeking legal counsel for this matter as it gendering my success in building credit.
In XX/XX/2018 I reviewed my credit reports and found ( 2 ) accounts that I do not have any knowledge, that I never opened. Both accounts under the account number XXXX are being reported for ( 2 ) different balances {$34.00} and {$1200.00}. 

On XX/XX/2018 I contacted the company Phoenix Financial Service by  letter disputing the account balance of {$34.00} the {$1200.00}. I requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation included competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. I made it clear in my letter that the negative marks found on my credit report held with the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that this debt that can not not be validated be removed from all reporting bureaus. 

I have yet to receive any response. I have waited for over 30 days for the company to respond in a timely manor and adhere to compliance but they have not. I refuse to wait until this company decides to respond and put this issue right so under advise, I wish to informed Phoenix Financial Service that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA or 2. the deletion of this invalidated account from my credit reports
The company involved is " XXXX XXXX XXXX XXXX. '' I  was trying to refinance a home loan with XXXX XXXX, they send some paper for me to sign, the documents sent were written in English only, I signed the documents, and mailed back. In the documents signed, in the section were appear cash to close, the borrower is XXXX ;  nevertheless after the company then send me another document indicating that cash to close to borrower is XXXXUSD, I E-mail two letter to XXXX, as well as I, call XXXX XXXX at XXXX ( XXXX ) and he did n't return my calls, I just wanted not continue the process so he would n't claim that he was working on my loan, the papers were signed in XX/XX/XXXX, and mail in the XX/XX/XXXX, I received the document with different number from XXXX to XXXXUSD in XX/XX/XXXX. ( I speak, write, and read XXXX better than English, XXXX is my first language )
I tried to close my account with BBT and they refused. They want to keep the account open and continue to charge me {$12.00} per month for having an account with them. Four years ago ( XX/XX/2014 ) I deposited 2 checks for {$68.00} each signed over to me by the " pay to. '' Even though the checks cleared and BBT received the funds, BBT placed a hold on my account for the deposit stating that the " pay to '' on the checks had to sign again. The " pay to '' verified their identity with BBT several times but the hold remains to date. BBT has robbed me of a total of {$280.00} thus far.
I've been a Coinbase customer for some time and have been very patient, understanding that they have plenty of problems with their system at the moment. However, I have made a bank wire withdrawl in USD from Coinbase to my bank account for about {$15000.00} on XX/XX/XXXX and have not seen anything come in. It was supposed to arrive that Friday and now 3 weeks later and no response. I have talked to my bank to look into the matter and they checked back up to 3 months and found no initiation for a deposit into my account. Coinbase emailed me and told me they sent my case to their special team to look at, but I have not had a response for a week now, and I have not received any follow ups from their " special team ''. A few things I would like to know and understand and would like to ask @ Coinbase is When will I receive a response. Also they marked the payment as sent and it clearly was not initiated. Why mark payment as sent, if it isn't really sent. Where is the money, if not in my accounts. I understand they are busy with many backlogs, but my concern is that I can't see where the money is, its not in my bank account or Coinbase account, and Coinbase has not made it clear how their transfers work and why it takes so long.
I am submitting a complaint in regards to identity theft on my credit report. Experian has done nothing to remove this fraudulant information. Today I finally received notice from XXXX that they have completed there investigation and it proves there was identity theft and they will notify the credit beaurous to remove this information off my report. I have XXXXother accountXXXX that was done fraudently and I have been disputing this information but experian just keeps updating my report and leaving it on there. A XXXX account was opened up in my name and it keeps reporting as negative on my credit report. I also have XXXX other accounts XXXX ... .XXXX ... .XXXX ... ..that are reporting negative on my experian report which is incorrect. I have disputed this information numerous times and also submitted to them XXXX seperate letters that were straight from commenity bank who holds these XXXX accounts. The letter states that these accounts were not late and my report should be updated. These accounts are suppose to be showing as satisfactory on my report. I am getting the run around with these credit reporting agency 's. This incorrect information is hurting my credit score.
I got a loan from tower loan put my car up for collateral. I set up payment as automatic bill. First payment came due XX/XX/2017 I waited a week then called them to find out why they had not taken the payment. I was told I would have to come into the office and I said it was automatic bill pay and they said they would take care of it. Another week went bye and still no payment came out called back and they need checking account # because they shredded it so two days later I called back for to give them checking account info. One week later still no payment came out. Called back and heard I would have to come in office and fill out another form. No problem did that couple of months went by bank rejected a payment called them and took care of it. 4 months went bye same thing happened when I tried to take care of it they said if it happened again I could no longer use auto pay fine I had them cancelled it so I could use my debit card on Friday to pay them. On Friday I called to make payment and they said I couldn't do that that I would have to come into the office I was in Pennsylvania no way so contacted their home office in Mississippi so I could pay bye debit card or online he said he would take care and he would call me back never did I called him and he said everything was taking care of. In the meantime XXXX was calling my job for me to call. At this point I'm irate to say the least. I go online to pay bill and I still can't pay it. So I call their management again and I here cash or money order so he asked me when I would be home I told him end of XX/XX/XXXX not good enough. So I asked what was next they repossess my car I hear no they didn't want the car they would abartrait and I said OK and hung up. So I called my attorney to find out if I could legally consolidate them so thats what I did. Today I was served papers that their sueing me and I have to appear in court after excepting to negotiate with dept company.