WillisBack/dataset-financial-user-claim huggingface dataset:
This morning I went to buy a furniture item on XXXX that cost around {$4300.00}. I added the item to my cart and went to the checkout screen. While there, I was solicited to apply for the XXXX credit card, it said I was pre-approved, and that I could take 18 months to pay for the item. Because this was a large purchase, that sounded like a good offer so I clicked through and applied for the card. After my credit was checked and my credit history dinged for a " hard pull '', it came back with me only being approved for {$2000.00} ( even  though when I later spoke to a supervisor named XXXX, he said I have great credit ), which is obviously much less than the item price in my cart ( over {$4300.00} ). I called the company that issues the XXXX XXXX, XXXX, to see why the discrepancy occurred. They couldn't explain why, but offered to apply for a limit increase. After being on hold for a while, and having my credit history dinged AGAIN for a hard pull of my credit report, the person came back and said I was approved for {$4000.00}, which is STILL less than the price of my item. 

This is very shady behavior. I'm sure the credit card company 's executives receive bonuses based on the number of new accounts opened in a given period of time. If shoppers are led to believe that they can get credit to pay for the item they are about to buy, only to soon find out that the credit limit they're approved for is far below what they'd need to actually purchase the item, that strikes me as almost-fradulent. After all, why not just hand out thousands of new accounts with small credit limits so you as a credit company executive can show a huge number of new accounts opened, regardless of the small credit limits. Perhaps less people would be approved if the credit card company looked at the actual price of the item someone was looking to purchase. Maybe it's better to have 1000 new accounts opened with a credit limit of {$200.00}, or {$500.00}, or whatever, rather than 100 new accounts opened with a credit limit of, in my case {$4300.00}, or more. I imagine that XXXX would be upset about this practice as well. After all, I imagine a lot of customers would walk away from their purchases after experiencing this kind of poor treatment. 

FYI : The supervisor at the credit card company I spoke with is named XXXX, ID number XXXX.
According to Tennessee state licensure verification, XXXX XXXX is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of improving my credit. Original request for verification was sent certified mail.
XXXX  XXXX Inquiry from XX/XX/2018 Through XXXX XXXX I learned that the above hard inquiry was made in an attempt to get credit in my name. I did not initiate this or part of this request.
I opened a citigold account with citibank using the promotion code which was sent to me by citibank with promo code XXXX. Which states I will earn XXXX bonus ThankYou ( R ) Points after opening a new consumer Regular Checking account in The Citigold Account Package after completing 1 or more qualifying bill payments for 2 consecutive Citibank calendar months. After I opened the account I got the confirmation letter confirming all the promotional detail by citibank and stated I was enrolled in this offer. After I was enrolled in the offer, I contacted citibank several times and the agents all confirmed I was enrolled in this offer and repeated the condition for fulfilling the requirements and confirming I am eligible for the XXXX bonus thank you points. However, after I fulfilled all the requirements and contacted citibank again to check when I will received the bonus points, citibank agent told me I will not get any points since I was not targeted for this offer. Which is clearly not true as I spoke to several agents confirming I was eligible and enrolled in this offer and if I was not targeted they should have told me I am not eligible in the first place. Also, I had several citibank issued credit card offering thank you points and I am a member of thank you point account which I believe is the reason I received the offer and I applied for the account. I believe citibank has made a mistake and confused the customer and therefore should credit me the points I deserve since I fulfilled all the requirements for the offer.
EQUIFAX/I do not remember given authorized to these company to obtain a copy of my credit report. This inquiry need to be removed immediately : I want to see the application signed by me which should be on file. I want Name of person and their phone number of person you talk to verify credit inquiry./ XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX/XXXX XXXX
This is a debt collection that I do not owe and do not understand why this is my name.
To whom it may concern, On XXXX XXXX, I sent XXXX XXXX ( {$1400.00} ) from coinbase to another company called XXXX. Due to the fee added, coinbase took XXXX XXXX ( {$1400.00} ) from my account. According to coinbase, the transaction was completed but the bitcoin was never received by the other company. I contacted coinbase support on XXXX XXXX and XXXX additional times on XXXX XXXX and XXXX. Coinbase has never responded to my inquiry. Please find attached a screenshot of the XXXX address from XXXX and Coinbase. I would like to know why the vendor ( XXXX ) never received my bitcoin and what actually happened to my money ( {$1400.00} ) which was taken from my account. Please help me as it is a lot of money to lose. 

Thank you!
This company called me stating they were going to have my wages garnished and my taxes withheld if I did n't pay this amount. Informed them this was a result of identity theft and they continued to call me. They placed this on my credit report AFTER being informed that it was a result of identity theft and all the original documents have been sent to the original creditor.
PHH Mortgage has called me multiple times a day for months. Most times, the line is quiet when I pick up, immediately followed by a disconnection sound ( an audible click ). They foreclosed on my property, and I requested a reinstatement amount from them ( I had to request this several times now, and still have n't received an amount ) through their lawyer. Today, PHH called me directly from the number listed on the complaint. They wanted to know what my intention was with the property. Since I have made several requests, even speaking directly with their lawyer, they already knew my intention. They provided me with no new information, and simply stated they would pass on a total to the lawyer. I believe this constitutes a breach of FDCPA ss. 806 ( 5 ) and ( 6 ).
This complaint is regarding PayPal and their unlawful and illegal seizure of my readily available funds. 

On XX/XX/XXXX, through a series of ( 40 ) transactions, I loaded $ XXXXUSD worth of Visa/MasterCard gift cards ( {$100.00} ea ) onto my PayPal account so that the money could be used in one or two large transactions rather than used individually. 

The gift cards were processed immediately and PayPal charged 2.3 % on each transaction. However, only {$500.00} was made immediately available and the remaining was held " Pending '' while PayPal completed an investigation on the transactions. 

I was required to send them additional personal information ( drivers license, credit card statements, bank information ), all of which I submitted in a timely fashion. I was told by a customer service representative that the investigation could take up to 30 days. 

On XX/XX/XXXX, I called PayPal and spoke to another customer service representative that explained to me that the hold is typically done in order to protect against buyers requesting refunds. I explained to him that this is not a situation where money would be refunded and he said that he was going to recommend that money become available. 

As of Saturday XX/XX/XXXX, the money is no longer pending, it is listed as " Available '', however, when I go to move the money into my bank account or try to send the money to another PayPal user, I receive a system error that states " You can't use PalPal anymore ''. The message goes on to state that " I can not send or receive any money, and that the money will be held for 180 days ''. 

After several calls to customer service yesterday and today ( XXXX ), I have been told by PayPal in this instance, the money is " Available '' and does in fact belong to me. However they will continue to seize my funds for the remainder of 180 days from my last transaction. They have shut my account down, and I am not able to send nor receive funds via PayPal. The customer service representative also explained that they are not able to make arrangements to set up payment or issue me a check for that balance listed on my account ( {$3800.00} USD ). 

PayPal in this instance is acting as a Financial Institution with power to seizure, without any legal authority to do so. PayPal is refusing to release fund to me, even after declaring me the rightful owner of the available funds. 

I have made a formal complaint to the FTC ( Ref # XXXX ). 
I have contacted the NYS District Attorney 's Office. 

I am acting to file a publishable complaint with the CFPB.
I was in an approved forbearance/deferment with XXXX related to a private student loan originated by XXXX. XXXX ' policy ( updated in XXXX ) specifically states that loans that are in a forbearance/deferment are not reported as late on the borrower 's credit report. Despite this, XXXX has continued to report the payments during this period as late which has significantly impacted my XXXX XXXX. The loans are now in a regular repayment schedule and are paid as agreed.
The collection was removed from previous collection agency known as XXXX XXXX , XXXX for {$450.00} and now being reported by a collection agency known as Stellar Recovery INC XXXX date opened XXXX-2017, furthermore according to FCRA I must be notified within 5 days of reinsertion. if you do n't get notified, that 's grounds for removal.
I would like to submit a complaint regarding Experian. It has been well over 30 days and Experian never investigated and did not send me results of the accounts and inaccurate information I disputed on my Experian credit report. I mailed a written dispute to Experian on or about  XXXX / XXXX /  XXXX  . I disputed several inaccurate, erroneous and unknown accounts reporting on my Experian credit report/file and requested an investigation by Experian. The following information and accounts were disputed and investigation requested ;  XXXX  #  XXXX , Louisiana  XXXX   XXXX  #  XXXX , Standard Mortgage #  XXXX ,   XXXX   XXXX   #  XXXX , Louisiana  XXXX  #  XXXX  and  XXXX   XXXX  #  XXXX . Experian did respond in thirty days too all of the accounts I disputed It is well settled, per the Fair Debt Collection Practices Act that credit reporting agencies/bureaus have  thirty  to review and respond to consumer disputes, if this provision is not met in a timely manner, the credit reporting agency must delete the accounts and/information that was disputed by the consumer. Experian has continued to report the aforementioned disputed accounts and/or information without responding to my disputes and request for investigation regarding the inaccurate and erroneous accounts and/or information. I have made Experian aware that some of the accounts their company is reporting on my credit report have inaccurate and erroneous amounts owed and/or financed, open and close dates are incorrect, dates of delinquency are incorrect, a number of accounts are obsolete and time-barred and some of the accounts I am no longer liable for.
I have a XXXX year old XXXX study loan with XXXX XXXX. Navient is apparently the legal name that now administrates it. I have not received a bill in several years. Nor do I receive confirmation of payment. I quit paying it in XXXX of this year because I had no idea what was left owed or if I was dumping money into a black hole somewhere. I thought I would get a statement in the mail if payment was not made. Nothing happened. The loan was turned in for collection due to default. 
Upon checking my email I discovered Navient sent me several emails - but none of them are statements. Even if they had - I did n't sign up for email billing. Apparently the Navient process is for you to sign up for an account and view statements online. I 'm very familiar with online accounts - but was not noticed nor did I opt in to paperless billing or billing via a website somewhere. 

I 've contacted Navient to have everything sent by mail going forward. I was told that was not possible. I 'd like to pay off the remaining balance, but I do n't intend to pay penalty interest on late payments for an invoice I never received, which is all of them. 

I will contact their ombudsman program. 

Interestingly, my neighbor had the same issue with Navient last month.
At the end of XX/XX/XXXX, I applied for a refinance of my home with TD Bank. When I applied, I had an existing XXXX mortgage and an existing HELOC with TD. The refinance was for cash out, debt consolidation. When I received the loan decision from XXXX, I noticed that the terms I had applied for were changed. I was not notified that the terms I had requested changed - they simply changed. ( My application was to keep & subordinate the current XXXX - their approval changed it so that the XXXX was to be paid in full ). When I contacted them that I did n't think they could change a mortgage applicaiton w/out notifying me, without any indication, they immediately changed it back even though the comment was that I did n't qualify. I closed the loan as submitted. XXXX months ago my circumstances changed. I had a loss in income, I had an increase in other monthly obligations and when I contacted a realtor I found that my house was n't worth near what the appraised value at time of refi was. I contacted TD Bank in XXXX XX/XX/XXXX before I was due or delinquent with XXXX and applied for assistance, for a modification of the terms of the P & I payments for both XXXX and XXXX ( which will soon be both principal and interest that I can not afford ). After weeks of calling with no return phone calls, TD did state that they would roll the late fees into the mtg amount but they would not modifiy the P & I payments. They said I make too much, that the housing is 32 % of my gross income. I told them that if they looked at my residucal income, after I pay the mortgage, I would not have enough to provide myself and my family basic human living requirements - heat, electricity, grocers, a car to get back and forth to work, etc.
MY EX SPOUSE XXXX XXXX XXXX XXXX AND MYSELF OWNED OUR OWN HOME XXXX XXXX XXXX XXXX XXXX OR XXXX AND IN OUR DIVORCE DECREE XXXX XXXX/XXXX/XXXX AND MYSELF XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX DID NOT DISCLOSE THE SALES FROM OUR MARITAL HOME THAT WAS SUPPOSED TO BE SPLIT IN HALF AFTER LOANS WERE PAID. THE REFINANCE HOME LOAN XXXX OBTAINED FROM HIS EMPLOYER US BANK WHO FIRED HIS WEALTH MANAGEMENT XXXX PENDING INVESTIGATION. XXXX XXXX RULED ON XXXX XXXX XXXX THAT LOAN HE OBTAINED WHILE I WAS IN XXXX, THAT LOAN WAS XXXX TO PAY OFF INSTEAD HE USED HIS EMPLOYER PAID HIMSELF OFF WITH PROCEEDS OF THE HOUSE SALE MOST LIKELY LAUNDERED TO XXXX, DIDNT PAY THE LOAN THROUGH US BANK, CHARGED THE FORGED LOAN SIGNED ON DIFFERENT DATES BY XXXX THE US BANK EMPLOYEE ON RECORD AND MYSELF XXXX SEPARATE DATES AND MY ATTORNEY XXXX XXXX XXXX DID NOTHING TO HELP NEITHER DID HIS THEY LIED AND WITHHELD EVIDENCE TO THE COURTS AND MY LIFE HAS BEEN PUT IN DANGER
I am submitting this complaint again because my previous complaint ( case # XXXX ) has not been resolved. I believe there is a high possibility, there was a human error during the entering of my mortgage payment.
Chase bank has put a dispute on all XXXX credit agencies. I have tried to determine what the dispute is for ( we are not behind or late and we are not disputing the balance ) they have not been able to give me a straight answer for this either. The best excuse that I have got from them is ( we filed bankruptcy in XX/XX/XXXX but Chase was not included ) that because of the bankruptcy they automatically put a dispute on the accounts. They want us to reopen the bankruptcy and refile with the bank to remove the dispute. 
All we need is a letter saying there is no dispute, we are trying to refinance with a HARP loan.
Equifax allowed my social security number and personal satay to leak through an online hack. I am now at risk for fraud due to their poor handling of my information.
I got a loan back in XXXX of 2016 and I was making payments but had a change in my finances and told them I cant make the required payment and they continue to call my job everyday when my manager told them they could not contact me here causing me to get in trouble.
I was part of both company data breaches when XXXX  system was compromised and this past year I was notified via email of the issue. I went from having 12 Inquiries that I have valid accounts for to 49 and some are done in the same day multiple times and some in the span of 3 days. I have not done the 49 inquiries. I called Equifax multiple times for help to rectify the situation and to no avail I am still in the same spot, they told me to call each creditor which I attempted to do with 5 of them but i have the same result they have no knowledge or information showing I applied and to call Equifiax back this has been on going and it just seems as if Equifax does not want to help when their system compromised my information. I have provided the inquiries below and before they send a definition of what a hard inquire is I know very well a factual record but its not factual if somebody is using your information. So I have a Security freeze on my reports now.

Below are the following inquiries : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Hi dear PayPal team! 

My account : XXXX has been limited and I need to appeal or remove these limitations from it since I need to use it again : XX/XX/2018 : We need some more information about some of your recent sales. 

( Your case ID for this reason is XXXX. ) XX/XX/2018 : We need additional information on your recent transactions and account activity. 

( Your case ID for this reason is XXXX. ) I need to appeal or to remove these limitations and I would be so happy to continue using PayPal. 

Best regards, XXXX XXXX
I 'm currently on XXXX somy funds are limited. The last month alone, Citizens has taken over {$300.00} for overdraft fees. Even though the same day they showed, I transfered money from another account to cover. After complaining to the hilt, they gave back {$110.00}. Now they are doing it again. {$7.00} was posted by an agency causing a neg Bal. I quickly transfered funds to rectify. 3 days later they wacked me for XXXX/ {$39.00} fees. I 'm done ...
In XXXX XXXX, I went online and cancelled the {$25.00} automatic monthly scheduled transfer from my BOA checking to savings account, but the bank made a mistake and started the transfer back up on XXXX XXXX, XXXX, without my authorization, charged me a {$35.00} overdraft fee because I did n't have {$25.00} to transfer in the first place, and left me with a negative - {$60.00} balance in my checking account. What kind of program do they have anyway that allows somebody to transfer negative checking account funds to a savings account to incur an overdraft fee on the checking account??? When I called today to complain about the transfer and fee, I asked when I supposedly reauthorized a transfer ( which I did n't ) and they could n't tell me the date, but said I was sent a low balance alert, which means nothing because I knew the balance was low anyway and I do n't have to maintain a minimum balance to avoid the monthly maintenance fee. Please make them put the {$35.00} they took from me back in my account because what they did was wrong. I am a XXXX on a very tight budget and it 's not fair that they are taking my money like this. I had to get a loan from my mom to cover the overdrawn checking account balance until this is resolved. You have my permission talk to her about this.
Equifax is stating they are only reporting what XXXX report by electronic update. I 've have a dispute with CFPB with XXXX as well. Which states they posted to the wrong account on XXXX 2014. XXXX is said it 's Equifax and Equifax says XXXX. Please advise!
Equifax deliberately negligently rubber stamped previous complaints against XXXX XXXX without investigating the facts. XXXX XXXX who was also complained to regarding the same situation came back and indeed confirmed that they were wrong on one of the 2 payments. They also negligently again indicated that another payment which was received on the XXXX of the month they would not correct and incorrectly changed the due date of the payment. The third payment that was contested was received on the date they had on their bill the XXXX due date. From the letter received from XXXX XXXX it was stated on the letter dated XXXX XXXX XXXX that they would notify the Credit bureaus promptly about fixing the misreported payment of XX/XX/XXXX As of this date XX/XX/XXXX Equifax has not corrected their credit report. which leads to the conclusion that either XXXX XXXX is not telling the truth or Equifax is not responding appropriately. This was not the first time Equifax was alerted or contested that their credit report was wrong rather it is more than 5 times including this complaint. XXXX XXXX was written as well requesting copies of the letters or reporting to Equifax and the other credit bureaus as well as contesting the appropriate due date. Both Equifax and XXXX XXXX should get their act together and do their job of reporting accurately. XXXX letters of the response from XXXX XXXX and the letter contesting their response is attached. The original statements and proof were attached in the previous complaint. I also alerted XXXX agencies that since my wife XXXX XXXX is jointly on this mortgage XXXX equity credit loan XXXX that they should have fixed hers as well. Once again as of this date XX/XX/XXXX it is not corrected..
I have been a victim of identity theft. This is particularly frustrating to me because I am a XXXX XXXX in the community and teach others about how to protect their identity. 
This happened several year ago and it has taken alot of time away from my family and I to try to rectify this. There are accounts that are not mine. Yes. I have hired a lawyer here in Texas to contact these companies but the collection companies appear to be stubborn and actually I believe they are refurnishing the accounts or selling them off to other collection companies. I do need help and can certainly provide your institution a copy of my police report. I am grateful that our government has an oversight organization to help.