WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is regarding a dispute that an XXXX purchaser opened against me. The dispute was filed in error ; the buyer provided written documentation to that effect and stated that he was working to reverse the mistaken fraud report that had been filed previously. 

Paypal was provided with ample documentation to this effect on XX/XX/XXXX and XX/XX/XXXX. Documentation included : 1. Written documentation from the buyer attesting to the mistaken fraud report.

2. Tracking information indicating that the item had been delivered.

3. Positive feedback on XXXX from the seller indicating that the item was as described. 

Initially, Paypal even tried to charge me an additional {$20.00} chargeback fee before I called and complained ; they subsequently reversed the charge. My main complaint at this point regards the negative balance in my account due to the fraud report. This morning, XX/XX/XXXX, I received a threatening email from them in which demand that I add money to my Paypal account or face debt collection efforts. This is in direct contravention to assurances I received when I spoke with customer service last week. 

In sum : 1. Based on the ample documentation provided, Paypal should cover my case under seller protection, which they have thus far declined to do.

2. Paypal should remove the negative balance on my account, as the case against me was filed in error and written documentation confirms this.

3. Paypal should issue a written apology to me for its repeated failure to act in my best interest in this dispute.

4. When there is an open dispute that results in a negative balance, Paypal should NOT issue threatening email communications to customers demanding payment, especially before the dispute is closed.
On XX/XX/2018 I went to Wells Fargo at XXXX XXXX XXXX   and the Banker informed that I need Photo ID and debt card or another verification and make a deposit of {$25.00} said that with the United States that all Banks check credit to open account is that legal because many individual with the United States try to establish credit and open a bank account could be one form of establishing yourself what give any Bank or Financial Agency credit my credit or any one to open account if that was the case then they should not as for a deposit I use be former employee of XXXX XXXX  and the account that I have with them was not treated as employee account they charge me fees please investigate this Bank ensure that they operating according to United States Federal Regulation with opening accounts process all banking products with the United States and no discrimination against me and anyone else and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations
On XXXX/XXXX/2015 a hard inquiry was made on my credit report by XXXX XXXX XXXX. I went to the Car Dealership and spoke with a XXXX XXXX who admitted to pulling my credit report because he got my information from a third party source by the name of " XXXX XXXX ''. Regardless of whether or not how he got my information, I never consented or agreed for this car dealership to pull my credit report. He stated that he receive leads from these companies and use the information to run credit in order to see if companies pre-qualify for auto loans. This company never informed me or received my consent to run my credit report, which was a hard inquiry that causes my score to decrease. I am trying to rebuild my credit and these reckless inquiries damages my credit more.
I sent in a signed affidavit from a process server and sent it in and nothing has been done and my credit score is bad now.
XXXX  incorrectly reported late payments to all  XXXX   (   XXXX   ) maj or credit bureaus  (   XXXX ,  XXXX  and TransUnion  ) alth ough the loans were approved for forbearance. Additionally, I addressed this issue with  XXXX  on   XXXX   XXXX    2016 v ia facsimile and  US mail  to no avail.
On XX/XX/2018 I applied for a HSBC Cash Rewards Mastercard credit card online that was advertised to me via mail and was approved. About a week later I received the card and activated it. When I tried to make a purchase on the XX/XX/2018, it was denied. I called the credit card company on this same day ( XX/XX/2018 ) and the first representative told me she had to transfer me to someone in the fraud department. The lady in the fraud department told me my that my account was flagged since my cell phone number could not be confirmed in their system. I provided my home phone number to her, she called me back on my home phone number, and then proceeded to tell me she also needs my license. She sent me an email to which I was supposed to respond with a picture of my driver 's license to further confirm my identity. I responded with a picture within less than a minute of receiving this email from XXXX. This representative promised they could even take care of the situation that same day. I have not heard from the company since. Every time I call I am put on hold for hours and can not get through. When I do reach a representative, they insist that I need to be transferred to someone above them.
XXXX XXXX, XXXX Nationstar Mortgage is refusing to give details as to some XXXX of unspecified charges that were added to our Mortgage. Our mortgage Balance is XXXX now when our first Mortgage note was XXXX 10 years ago. We were never more than 3 months behind on our mortgage thus there could never be XXXX in deferred interest. We realized the seriousness of the issue when we contacted Nationstar for a refinance and were told that there is a specified second mortgage on the house and that they could not refinance us, nor could anyone else. We do not have a second mortgage, we make XXXX payment. 

Sequence of events : XXXX XXXX : We had contacted Nationstar for some account research with an official XXXX request. They assigned a number XXXX. 

Representative XXXX XXXX in XXXX Tx began to investigate the issue and could not explain what the charges were except to say that they were added during a government sponsored making home affordable modification. 

On XXXX XXXX, XXXX she confirmed Nationstar does not have the actual details of the charges and that they were reaching out to the mortgage owner. I have attache said correspondence. 

XXXX XXXX stopped talking to us and everyone else can no longer see the case. XXXX XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX were all involved in or first mortgage origination and modification, yet they all seem to have thrown out all the evidence. 

We ask that the CFPB give XXXX XXXX a deadline to accurately detail the charges that build up our balance higher than our original note. This can not be called " deferred principle '' because we did not originate this amount. They need to describe each line item as a fee, penalty or differed interest and back up with the proper paperwork. If not done in a timely fashion, we ask CFPB assist in removal of this fraudulent amount. 

Thank you
There was a fradulent purchase made with my CAPITAL ONE credit card. I tried to file a dispute, and was told that I did not provide enough evidence to have this charge reversed. XXXX XXXX XXXX fradulently used my card to order an appraisal from XXXX  XXXX XXXX, however, I never authorized this charge at all. There is nothing in documentation that indicates that I authorized this charge. This is absolute fraud. 

Case Number : XXXX
My name XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH, XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX # XXXX****, XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX XXXX**, XXXX XXXX XXXX XXXX XXXX, ONLINE INFORMATION SERVICES # XXXX****, XXXX XXXX XXXX XXXX # XXXX**** Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Barclays closed my Wyndham Rewards card out of the blue. I had paid the annual fee of {$69.00} 2 months before the card was closed and now I can not reap the rewards of this annual-fee credit card.
I have filed a request with Equifax multiple times with respect to the removal of a Chapter XXXX Bankruptcy from my record. XXXX and XXXX have already removed the item. However, despite my repeated efforts, Equifax continues to issue a investigative response that is irrelevant to the basis of my dispute and request. It is my position that, for whatever reason, Equifax ( i ) is not reading the specifics of my dispute and ( ii ) is improperly servicing my account, and I am suffering irreparable damage as a result. Indeed, they are incorrect for not XXXX but XXXX reasons ( i ) it is my understanding that, while this type of item may legally remain on my credit report for up to 10 years, it is typically removed after XXXX and ( ii ) I DID NOT actually go through with the bankruptcy. The item in question was dismissed by the court on XXXX XXXX, 2007 BECAUSE I did not proceed with the bankruptcy after filing the initial paperwork. As I have explained to, and provided documentation of to, Equifax on multiple occasions, after filing for Chapter XXXX Bankruptcy, I sought the advice of legal counsel who explained that ( i ) I did not need to file and ( ii ) a Chapter XXXX Bankruptcy was not the appropriate mechanism to address my concerns and was unwarranted. I, thereafter, decided NOT to proceed with the bankruptcy, and it was dismissed, meaning that ( i ) my creditors were NEVER notified, NO workout was arranged, NO discharge of any debts was applied and ( ii ) that I continued to service my bills. 

Equifax continues to issue me a response letter with their investigative findings simply stating that they have reviewed the information and confirmed that it was mine.
I have been working with Chase Bank, since XXXX 2015, in procuring a new mortgage for my home. My mortgage is currently with XXXX XXXX XXXX. My closing was targeted for XXXX XXXX, 2015, and the loan amount is {$100000.00}. It is now XXXX XXXX, and they continue to delay a YES or NO answer to me in regards to the Mortgage. In addition, they continue to contact XXXX for " payoff balances '' at a cost of {$30.00} each time, and my total due now is {$120.00}. They continue to advise they escalating the mortgage to their manager, which takes XXXX days, vs one week Underwriters, however, I do not receive a response, other than people are business, and they can not push their Underwriters. I have sent numerous emails to Chase, asking for the status on a YES or NO answer, and they continue to provide a run around, and continue to give me excuses which does not calculate to the real reason. All I am requesting is a YES or NO answer. I do feel Banks as Chase, give Banks a bad name, and adds to the reason why customers do not trust banks.
PNC Bank offered me a {$200.00} promotion to open a checking account and complete direct deposits and use a debit card. I completed the direct deposits immediately, but I never received a debit card. Now PNC says they wont award me the {$200.00} promotion because I did n't use the card that they never provided me. This is unfair at the least, and deceptive at most.
This debt was disputed several times and no response was provided from the collector. I sent certified letters previously and the item was removed from my credit file. Then when the debt was sold to a junk debt purchaser, it was added back to my file. I then disputed it again with the collection agency and they have yet to respond and it has been well over the 30 day limit allowed by law.
On XX/XX/18 I visited XXXX XXXX to get my routine service done to my vehicle. Upon waiting, a salesperson asked me would I be interested in learning about other options. I said yes and he asked me for my current vehicle information. He said he would run some rates and would not pull my credit report. I decided to not move forward on any vehicle however the next day I see there was a hard inquiry on my credit report from Mercedes Benz Financial Services. On my credit report it states XXXX LA and Mercedes Benz FS which are the same entity. There are several other hard inquries from my previous lease from both XXXX XXXX and Mercedes Benz Financial Services which are the same entities as well. In total, there are 4 separate inquiries from Mercedes Benz Financial Services and there dealerships, two which are two years old. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt  have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court ordered or requested by a state or local government agency in relation to child support. I never gave the recent entity written approval to pull my credit on XX/XX/18 and I would like them removed.
Discover Card offers an interest rate from 11.24 to 23.24. You would assume that a person with great credit ( XXXX equifax ) would get a low rate ... ... not so!!! They gave me a rate of 18.24. This is dispictable. The XXXX customer service people I talked to could not explain why. This is typical unethical marketing by a dishonest company.
On XX/XX/2017 I called XXXX to inquire about the process to add an additional card holder to my account. I inquired about if there would be a hard inquiry placed on my credit report by adding another cardholder. I asked this question by phone, as well as by Online Chat agent. Both representatives told me that XXXX does not run credit checks when adding an additional card holder. I explained to both representatives that I would not be willing to add anyone as an additional card holder if it would affect my credit and/or credit score. I was assured by both representatives that there would be absolutely no impact to my credit file. After hearing this, I proceeded with completing an application to add an additional member to my card account. Two days later, I received a credit monitoring alert that my credit file had been accessed by XXXX. When I called XXXX to inquire why they would pull my credit report without my authorization, they explained to me that the XXXX  representatives had failed to communicate the possibility of pulling my credit report due to a Fraud alert being on my file. This made no sense to me. XXXX representatives ( a total of 6 ) apologizes for the miscommunication but said I would have to contact Experian to get it removed. Experian informed me that only XXXX could request it be removed. XXXX intentionally deceived and pulled my credit report and decreased my credit score-all WITHOUT MY KNOWLEDGE OR CONSENT. XXXX also refused to correct their mistake. XXXX tried to offer me ANOTHER credit card to rectify the situation in which I told them I would not accept as adding an additional credit card would hurt my credit file even more. As a result I will be closing my accounts and also sharing my experience on social media so no one else is deceived.
Some one stole XXXX dollars out of my Wells Fargo account XXXX XXXX in XXXX, North Carolina. Wells Fargo did not replace the money nor acknowledge my lost.
Ive made contact with XXXX, Equifax and XXXX  and investigations are in place. XXXX refused to submit my dispute a number of times. This is Tarnishing my credit. These companies are using XXXX reporting, no one is physically doing their job.
I sent a validation letter to the medical debt company Optimum Outcome INC on XX/XX/2018 ( I attached the certified mail receipt ) and I waited to receive a response to show that this debt is mine and I never received a response. Since I never received a response I sent a 609 letter to both XXXX and XXXX on XX/XX/18 letting both beaus know that I sent a validation letter and I didn't received a response and I asked them to either validate the debt or remove it from my Credit Report because it is unverified debt. Both credit beaus responded to my dispute and said they validated the debt and it will not be removed however they also did NOT send me any validation or the steps they took to validate the debt. On XX/XX/2018 I sent a 2nd 609 letter letting both beaus know that this is the 2nd debt validation and explained on the letter that I sent a validation letter and I didn't received a response and I asked them to either validate the debt or remove it from my Credit Report because it is unverified debt. I received a response from both beaus on XX/XX/18 stating again that the debt was validated and again they did not send me any proof. This is not my debt and I have been asking for validation since XX/XX/18 and no one will send it to me. Can this account please be removed from my credit reports. Thank you
I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX  XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
National Credit Systems   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX  Last report  XXXX / XXXX /  XXXX  , negatively impacting my credit.     I requested for validity of this debt, including, signatures, valid contracts with this company and no response was received. If the debt can not be properly validated as requested to remove.
i contacted equifax to investigate XXXX collection account in my credit report that does n't belong to me : XXXX XXXX XXXX acc # XXXX XXXX XXXX XXXX XXXX XXXX acc # XXXX and XXXX/XXXX for XXXX XXXX XXXX # XXXX i requested documents and proof to validate the debt from the creditors several times and they respond was the inquire or was matter of record and i should contact them which i did and they still not provide me the proof to validate the debt knowing they are violating the FDCPA practices and rules and they wont re-open an investigation even if they never did since it is impossible to do it in the time frame they did XXXX DAYS!
XXXX is reporting on credit file un-rightful due to this is not my debt. I have given a police report to the company. I have spoke to XXXX asking for XXXX the company name, number, address no luck. XXXX is not giving me any information on how this debt is mine. I ask my original documented showing this is my debt. They are stating the debt is very old ( XX/XX/XXXX ) XXXX YEARS OLD in is no longer in there system so they will not be able to send original debt. Please help remove this debt for my credit report. I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. 15 U.S.C. 1692 ( c ).
Inquires on my credit not authorized by me. 

XXXX XXXX credit card in good standing missing from report. 

Credit Age year has drop XXXX credit card is showing the wrong amount owe change to higher amount, just recently changed within the last 3 months Credit score dropped 60 points or more within the last 3 months. Big difference in my score compared to XXXX and XXXX Old debits that have been delete is back on report The same items on report is showing up multiple times.
While traveling in XXXX, I intended to make a purchase from a local merchant. During the transaction, I noticed the merchant charged me for items I specifically refused to purchase. Indeed, I denied him several times until he stopped trying to sell them to me, saying " Okay, okay. Just the {$270.00} '' ( for XXXX shirts I was buying ). I caught him trying to pull this " fast one, '' charging me {$310.00}, by stating the sale was for the {$270.00} charging the increased amount and hoping I would not notice. I cancelled the sale, did not sign and reported the incident to Chase. I noted this was fraud and it might continue so I also requested a hold put on my credit card. Two weeks later when I returned to the US, I found Chase processed this charge I reported as a fraud and I was now financially responsible. 
I called to report it again and inquire why I was charged. I was given a lot of vague excuses and told they could not do anything about the charge. It would stand on my account and I would continue to be responsible - after twice informing them it was fraudulent. I was asked to call back a third time, during EST day-time hours! 
When I returned the call to a supervisor, they again refused to remove it, saying I should dispute the charge, one that should never have been placed and one I asked to prosecute as fraud as the merchant was clearly deceptive and criminal in his actions and should be reviewed thoroughly before being allowed to process cards freely, something I would gamble he has abused often to the cost of other Chase/Visa customers. 
I spoke with a supervisor who also advised me the charge would stay on my account and then defended the merchant without even knowing them, condoning their frauds and confirming their ability to further defraud other Americans or other foreigners in the future. 
As of today, I have called them three times, including the first notice of fraud. The charge is still on my account and the merchant still has carte blanche to abuse the next non-suspecting American to be abused in XXXX while Chase deliberately ignores these frauds, even supporting them according to the accounts supervisor I last spoke with at Chase. 
Relevant info : Merchant : XXXX XXXX, XXXX, XXXX, charge on XXXX ; {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Chase CC # XXXX
I have received a collection letter from Commonwealth financial systems. It states I owe a medical debt from XXXX of XXXX county. I have paid this debt off and have proof from the instution. They have also reported this false claim to the credit agencies and my credit score has dropped XXXX points.
A few weeks ago I submitted a complaint regarding Navient and the problem I was having with getting my student loan interest rates to the agreed upon rate when I reentered the rate reduction program. Navient responded and said that they were at fault for the failure to submit my paperwork for the ratereduction in XX/XX/XXXX when we spoke and did so in XX/XX/XXXX and agreed that all but one of my loans would have  an interest rate of 3.5 %. They also agreed to make sure that the interest that I acquired under the higher rate would be decuted from my balance. That was done to 2 of my 3 loans. Today when I logged into my account to make sure that everything was right I noticed that my loan ending in XXXX still has an interest rate of 4.25 % instead of 3.5 %.