WillisBack/dataset-financial-user-claim huggingface dataset:
PayPal limited both my PayPal accounts ( 1 & 2 ) on XX/XX/XXXX, while one of them ( 1 ) has {$1400.00} balance remain. I submitted required documents to both accounts on the same day. In their  instructions, it said take 2 business days for review. However, on XX/XX/XXXX, my account 1 still shows submitted for review, and my account 2 shows completed but limitation remains. I called PayPal and they ask me to resubmit provide of address for account 2. So I resubmitted on the same day. I have been waited for three business days, but the limitations on both of my accounts still no resolve. On XX/XX/XXXX, I called again about my cases process, but all I get for answer is I have to keep patiently waiting and no one can help me, even I waited for one or two months.
XXXX XXXX XXXX  XXXX. 0pened XXXX XXXX. This is not my debt. Someone else used my identity. XXXX XXXX XXXX   {$830.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX {$500.00}XXXX XXXX XXXX XXXX. XX/XX/XXXX. XXXX medical bill. Va paid it. {$890.00}
I have my social security benefits deposited onto the direct express debit card and today I did not have access to my funds. I have been calling the customer service number but have not been able to get to a live person for over 7 hours. I called the number to enroll for the card but they advised that they could not help me and that I needed to contact the customer service number. This is not professional and is unacceptable to not have access to my funds.
Bank of America has been holding my payments and posting them late. 
I send all my payments certified and check to see when they were received, Although they received my payments in time they have been holding them and posting them after the due date. 
They also have been charging me a extremely high late fee, The fee jumped from {$35.00} to {$150.00}. with no notification. 
My Account number is # XXXX. 
I have all my Certified copies and the dates that BOA received them.
Equifax leaked my personal information including my DOB, SSN, DL number, and current address. This information is now public record due to their recent data breaches.
I am receiving many phony calls daily from an unidentified company claiming that my credit card company ( and the recorded message doesn't say which credit card company ) is offering me a better deal on upgrading my credit line amount. No human is involved in the calls ; a recording comes on only which says to press a button to connect with someone to discuss your account information. My phone number was probably sold to the scammers who will try to profit from this fraud. I have not received any mailers, just these phony calls. This can only involve my Chase Visa card through XXXX XXXX and a joint Chase Bank account with my husband, so it is unclear which is involved and perhaps does not matter as this is trolling for any and all info, so I assume the scammers just throw out the name of the card company hoping to steal all of the account information and drain the account of funds and to use the account for fraudulent purchases. 

I hang up and then try to call the phone number that shows up in my caller ID. When I do so, any of the phone numbers I call back are not legitimate, as a recording comes on, " we are not able to complete this call, try calling again ''. No legitimate credit card company is associated with any of these many phone numbers. 

This is clearly a scam to obtain personal account information from those who can't figure out that real credit card companies render offers in the mail and never contact clients in this manner. I am appalled this is occurring. I don't know who is making these calls from varying phony numbers sometimes up to 10 times a day. I also don't know if I can stop the scammers, but at least I can try to report this illegitimate behavior. I will also report the phone numbers used to the FBI fraud unit for their records.
I purchased a XXXX XXXX XXXX XXXX XXXX from a car dealership and financed it with Westlake Financial in XX/XX/XXXX. The term is 48 months. I have a hard time understanding how I'm getting late payment on my report and my insurance company XXXX wrote this company a XXXX dollar check. However, I was responsible for XXXX. I had gap insurance but the company they dealt with only paid XXXX dollars. My complaint is : a company should not put inaccurate information on a person credit report. My term is 48 months and I'm not behind on my payments, I have several years to pay this loan.
I am aware that a dispute is in process and I am providing new information regarding one of the items being disputed. A fraudulent account was opened in my name with XXXX XXXX. I filed a complaint against XXXX XXXX and they responded with the attached letter telling me they are no longer reporting this account to the credit reporting bureaus however upon my personal research I found that this account is still on my Equifax credit report. I redacted text on the letter that is not relevant to my complaint however I do give Equifax authorization to call the number on the letter from XXXX XXXX to confirm that they have given me written confirmation that they are NOT reporting the account any longer.
I have had an extra20 account with Santander Bank for over a year, which provides its clients with {$20.00} each month that they satisfy two requirements : 1. Received a direct deposit of {$1500.00} 2. Make 2 bill pays Since XX/XX/2015, I have received the {$20.00} bonus for satisfying these requirements each and every month. During this time, I have not changed anything, and now since the billing period beginning in XXXX, they have refused to honor the promotion. Instead, I was charged a $ XXXX monthly fee, which I was able to get refunded after escalating to a supervisor. Once again, neither the origin nor the amount of the direct deposit has changed over the entire course of my relationship with Santander Bank. I have since spoken with a Santander representative and opened case numbers 4 times, each time being reassured that they would review my account and correct the mistake. 

I was provided no advance notice that my direct deposit would no longer qualify for their terms due to a change in their internal policy. At this point, I am due {$40.00} in payments and they have not been able to resolve the issue. To make matters worse, this resulted in my account incurring fees, requiring me to get them reversed.
On XXXX/XXXX/XXXX Bank of America illegally charge me {$35.00} fee for Overdraft beside {$35.00} charge on XXXX/XXXX/XXXX which is correct but in total they charge me {$70.00} stay {$35.00}.
I 'm submitting a complain against BOA in Georgia. I deposit a check for {$4300.00} from a company called XXXX XXXX. I was suppose to be working from home with this company. This fake company XXXX sent me an email stating they will send me a check for XXXX to purchase my equipment. When I deposit the check on XXXX/XXXX/16 the bank did not call me to let me know the check was fake. I had to go online to check my balance and my account has been locked. I called the risk department on XXXX/XXXX/16 and was tolded to go to my local BOA and have them to fax the police report and documents showing that I was scam. I have been working on this for about 2 weeks now and have not heard anything from nobody. I 'm upset because I already had money in the account and every time I call customer service they can not help me.
I was on my Grandmother 's account an an authorized user and she fell ill and fell behind and asked that I be removed! They are refusing to remove it from my credit report and now have the account in a Terminated Status! Please see below! I do not even have the card and I am not the primary person! I have disputed it with XXXX XXXX and they removed me but the credit bureau is still showing it in error! 
Account Name Account Type Open Date Status Balance XXXX XXXX Credit Card XXXX XXXX, XXXX Open - XXXX Days Late XXXX Missed Payments {$0.00} 0 % of Credit Limit* Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment {$0.00} Responsibility Terminated Balance {$0.00} Highest Balance {$420.00} Payment Status XXXX Days Late Worst Payment Status XXXX Days Late Date of Last Payment XXXX Amount Past Due $ 0 Times XXXX Days Late XXXX Remarks Dispute resolved ; reported by grantor Payment History Latest Status : XXXX Days Late XXXX OK OK OK OK OK XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK J F M A M J J A XXXX O XXXX D XXXX XXXX Days Late Credit Utilization* 0.00 % Creditor Contact Details XXXX XXXX BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX
my mother in law ( shes XXXX, & XXXX recently diagnosed ) opened an account around XX/XX/XXXX.it had a {$9600.00} limit, she had excellent credit her entire life ( she is a retired accountant ) anyways, they mailed the card, she activated it, used it a couple times and the company contacted her for proof of her identity via documents fax/mail.this was in may.all together we have faxed the documents at least 4 times, they have been mailed just as many, and she has continioisly been told the account was frozen.havent been able to do anything with it, they still ak for her documentation.well they sent a statement and there are charges made on the account ,1 in XX/XX/XXXX and 1 in XX/XX/XXXX.maybe a {$90.00} total, but how is it even a charge if the account is frozen. 
she depends on her credit cards to survive and this happening in XX/XX/XXXX has caused a snowball of downward domino effect thing.cell phone is disconnected.her lights and water will be turned off today or tomorrow.we have had to get help from family and friends just to get her pull ups, and I ont mention she has no groceries in her house. 
her credit score is now XXXX.we cant even get her a consolidation loan because of the recent negative marks on her report. 
yeah all her accounts are behind, but look at her entire history, this woman has never once been late on anything.its very obvious in the last 9 months to a year just thru her finances, that something was wrong.please help me ... .PLEASE??? I live in the home with her, my husband ( her son ), and my XXXX teenage kids.i do n't know what else to do. 
as for contact with the card company they told me I would have to wait and talk to a manager and that would be when they could return my call.why cant they just unfreeze the account and fix what was done and that will be that?
credit inquiry, unauthorized on showing on credit report XX/XX/2018, called and sent in a certified letter to ask for verifiable authorization for running my credit report. I did not authorize any type of company
Wells Fargo has reported new activity on XXXX of my past mortgage loans that were closed or balances forgiven in a loan modification process. XXXX loan balance was forgiven by Wells Fargo in the loan modification process back in XX/XX/XXXX ( $ XXXX bal. ) and now shows updated activity in XX/XX/XXXX. And the second loan as of XX/XX/XXXX shows new activity on a loan that was modified in XX/XX/XXXX with a balance reduction and refi, this Home was sold in XX/XX/XXXX.
XXXX   XXXX  ,2015-   XXXX  I call  XXXX   XXXX   XXXX   XXXX  and they will try to removed this off my credit report because it 's pa st 7 years old. no c hange on my credit report.
I 've contacted all 3 credit bureaus by mail, online, and over the phone to dispute inquiries on my credit reports. I 've put a fraud alert on all 3 as well. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Wells Fargo entered into a loan agreement with me in the county of XXXX XXXX at their XXXX XXXX branch in 1996. I paid my loan religiously and in the last year of the auto loan wells fargo reposesed my truck and auctioned it off. The truck loan was around {$15000.00}, and I had paid off more than {$12000.00} when they reposessed it. I never missed a payment, contact with wells fargo after that was obsolete, they would not talk or work with me or honor their agreement.
On XX/XX/XXXX I paid my " XXXX XXXX XXXX XXXX '' credit card balance in full. Shortly after I noticed there was a purchase made on the account that I did not complete or request. I cancelled my card via the automated system and contacted XXXX XXXX  about the fraudulent activity on the account. At that time the representative advised that a second order had been placed and I requested that the pending order be cancelled because it had not shipped to Ohio yet and representative agreed. I also expressed that I had paid my account off in full and wanted to ensure that the reporting would be correct for the following month. The representative advised the Fraud department would handle everything. The second order actually posted to the account on or around XX/XX/XXXX and I contacted XXXX XXXX again about the charges and inquired why the order was not cancelled after I was informed that the order would be cancelled. Was again advised the Fraud department would handle the reporting and the second order would be included in the claim. I received two separate replacement cards and did not active them while I waited for the end results. In XXXX  XXXX I received a letter stating the fraud was resolved. My credit report had not been updated so I submitted a request to remove the false reporting of a balance for {$130.00}. On XX/XX/XXXX I attempted to activate the new XXXX XXXX reward card and was advised the entire account was closed per my request via the dispute with the credit bureau. I have contacted the credit bureau and they all have an open account with a balance of {$96.00} which was the last accurate reporting. XXXX XXXX  advised I must request the account is re-opened via the credit bureau or reapply for a new account. I spoke with XXXX on XX/XX/XXXX around XXXX XXXX  est who advised " You should not have reported anything to the credit bureau '' was extremely rude and I requested to speak with a supervisor because I did not want to argue with her. She still proceeded to blame me and than advised " I'm just trying to tell you what you did wrong ''. After holding for an excess of 9 minutes I spoke with XXXX at about XXXX who stated she is a supervisor and that she would speak with her supervisor to see about having the account reopened and will follow up with me regarding the account. I contacted XXXX XXXX  again around XXXX XXXX, and spoke with XXXX who advised XXXX is not a manager and there is absolutely nothing than can to contact the credit bureau to have the account re-opened. I requested a supervisor again and spoke with XXXX who stated I would have to contact the Credit bureau to have the account opened again. I reached out and they all have the account as open. So I have no idea what to do. It is not right that I have to apply for another credit card, receive another inquiry on my credit report and never receive the paid in full reporting from my account being paid off on XX/XX/XXXX. Please assist with having the account reopened and the reporting to all three credit bureaus corrected.
Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Capitol One there is a hard inquiry on my credit report, I have not applied for any type of credit card from them. I don't know who keeps trying to get credit under my name but it needs to stop. XX/XX/2016 when the pull occurred.
Hello, I am trying to trade in my XXXX XXXX XXXX which is sold at a high price and over market value by about XXXX. Capital one refinanced that loan and gave me a lower interest rate, but they forgot about the XXXX, XXXX was charged extra for a vehicle that is now being traded at the high of XXXX with a loan balance of XXXX. 

I was sent marketing that approved me for up to 35,000 per-approved for an expiration date of XX/XX/XXXX, and another one for the end of XX/XX/XXXX. I went to XXXX XXXX in XXXX XXXX XXXX and still have not gotten an approval, because now they are saying it is out of the range. Capital One sent me a denial letter, and also XXXX XXXX is saying that they can not give me a loan on a used car because most dealers will not give a loan on a used car with the equity problems that are with this vehicle. 

The problem started with XXXX on XXXX XXXX across from XXXX XXXX when the vehicle I purchase was a XX/XX/XXXX loaded XXXX and I bout it for over 30,000. The vehicle was fraudulently sold at a price about value and now has me in a bad position for a trade in. I have al of the documentation if you need to see it. I have a warranty and it will expire unless Capital One does something to fix this problem. There are three players in this mess and they are XXXX  on XXXX XXXX, XXXX XXXX , and Capital One. 

I was approved for a loan and denied access after the fact from Capital One who sent me two letters saying that I was pr-approved which is misleading and fraudulent marketing. XXXX XXXX failed to figure out the problem and ran excessive credit inquiries which has impacted my credit score.
During the time I was XXXX  ( XX/XX/XXXX-XX/XX/XXXX ), someone fraudulently submitted applications in my name to Capital One. Capital One sold the account to XXXX XXXX in XX/XX/XXXX. I have made several attempts and provided documentation to XXXX XXXX showing that I was incarcerated during the time of this application. The FCRA prohibits information furnishers from providing information to a car that they know or have reasonable cause to believe is inaccurate. Section 623 ( a ) ( 2 ). In addition, when any furnisher of information is notified pursuant to Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt.
I bought a recreational vehicle and financed it through XXXX XXXX XXXX over nine years ago. I lost my job and missed payments. they would not work with me once I started working again. However, they keep re aging this account and adding to the balance. They refuse to remove it from my credit and it has been almost ten years
This collection agency keeps calling all day long and later hours at nights too. I have told them that this is not my debt and to not back anymore in the future, but they still keep calling.
Experian Deleted  XXXX   XXXX  from my report other than reporting all payments made on time. Experian refused to put in righting why it was deleted. I talked to multiple representatives and was treated with disrespect. I asked for management staff and was given a number of someone and left message and di not get a returned call. I do not remember who it has been a while. I had to take a break from this as it has been to much   XXXX   trying to deal with a system that is geared towards protecting companies other than consumers. More so if you fall into l ow credit score. I ha ve never had to deal with this and now see how our current is geared toward keeping low score people enslaved and abused. I have a  XXXX  I have made it clear to EVERYONE and it falls on deaf hears. I feel as if everyone would rather I follow through with my   XXXX   XXXX  .
I have contacted GLA on numerous occasions via mail and certified mail and they refuse to acknowledge me or any wrong doing. They are reporting to my credit reports a collection for a bill that was never billed to me. I have never received a bill from this provider and given the opportunity to pay. They have illegally obtained my name from this provided and have violated my HIPPA rights. I would like to see my signed signature stating I have released these records to this company to pursue payment. I have disputes through the credit bureaus and they have also refused to remove from my reports.
XXXX XXXX did a hard pull for 1 account 3 times in one day. XX/XX/XXXX I do not recognize anything named XXXX on XX/XX/XXXX XXXX also pulled 2 times within 30 days and i was informed it would be once XX/XX/XXXX there should be no inquiry from XXXX XXXX on XX/XX/XXXX
Have received several phone calls, emails, and USPS letters requesting payment on a Credit Card I don't own and have never heard of. When I requested explanation was never told what the charge was for. The charge came from a collection agency, XXXX XXXX XXXX, who claim they are collecting for a credit card from XXXX XXXX XXXX  for a charge of {$410.00} for something called XXXX. Have never heard of any of these entities. Have never had a credit card from XXXX and so never received any bill from them until I got the call from XXXX. Totally baffled about all of this. Only thing I can think of is that someone opened an account in my name. But with my address why didn't I get the notices in the first place? I checked my credit report and this is the only bad mark on my credit. Am understandably very upset about this.I haven't saved all the correspondence but will send the earlier response to a former dunning notice. Sorry don't know how to scan the bill. I did report to the local police who told me to contact you.
I have tried lowering my payment multiple times with navient however they always tell me a low payment that sounds good to me that I can make and then send me a link. When I go to the link the information never matches and then when I call navient back they act like the conversation that I had with a previous person never happened. I just want a lower payment so I do n't have to stress about being able to have enough money to eat and pay bills. Credit is very important and I hate thinking that I struggle to just stay a float.
I have an account that shows up on my Trans union credit report from XXXX XXXX XXXX for {$67.00}. This account was paid in full last year. I have tried numerous times to tell the collections agency to correct their error and they keep saying that they have. Nothing has been done to recitfy it. I have paid this account in full and with interest. Attached document is a letter from the collections agency showing that my account has been closed. Please have this updated and removed from my credit report. Thanks. XXXX. XXXX
I have already submitted several complaints regarding this vehicle. I asked wells fargo for a refi and loan assistance. They said they would look into situation and do everything to help. So far they have purposefully delayed answering and refused to provide a refi or any type of assistance. My last request was for a copy of the original installment and/or loan agreement which they have failed to send. I asked for it 3 times last request on XX/XX/2018 both in writing and speaking to a rep. The vehicle has been placed on non op status due to being a manufacturer defect and having 2 open recalls on it. Wells fargo has been aware of this and now wants to repo this car.
I took an XXXX online class. This company out of XXXX. My first class was a XXXX XXXX course. I then signed up for the XXXX course AND {$590.00} for the class itself and make XXXX orders for materials of {$590.00} each for a total of {$1700.00}. This was on XXXX XXXX, 2015. But when I started the class I found out that I was in another XXXX course. I contacted XXXX by phone and was advised that it was " no problem ''. I could take the course later and they would " take care of it ''. Despite numerous calls, I did not get a refund I have also not received ANY material. I put a dispute in with Discover which they rejected, apparently because XXXX told then I got the product or service I paid for. I DID NOT. We did not receive the class, a refund, nor the materials. I think contacted Discover and invoked the Dispute clause in the cardmember agreement. Their response was to again reject my Dispute without noting that we received no product nor service, further they reported me to the credit bureaus for making a dispute.