WillisBack/dataset-financial-user-claim huggingface dataset:
Original message sent to FCC that they asked for me to refer to FTC who then referred me to you, XXXX. 
I received a call from a friend of mine and a screen shot as well as the forwarded voicemail of an automated voice message saying " This is a message intended for XXXX XXXX and we are calling about a formal complaint that is being filed in their offices for a mis service ( not sure it was jumbled ) process date that was schedule XXXX XXXX XXXX. Press XXXX to speak with a live operator now or contact the office directly at XXXX. '' I called the number once she contacted me and the phone was answered by a man and he said the company name was " XXXX XXXX XXXX '' and that the calls were being recorded. He asked the phone number that was called and I gave him my friends and then he came back with my name and an address that I lived in back in XXXX and the last XXXX numbers of my social. I asked what this was in regards to and he quickly said that it was a courtesy call about a collections debt that they received in their offices. I asked for more information and he put me on a hold. When he returned he said that it had to do with a XXXX XXXX XXXX that I opened in XXXX and had not paid on since XXXX. He said that there was an outstanding balance of {$1200.00} and asked how I would like to take care of that. I told him that I would be contacting a lawyer. He quickly hung up on me. I called that same number back and it was the same voice again and then I hung up. I was calling to get the name that he gave as he answered. 
Shortly after this, I contacted XXXX XXXX XXXX and asked about any balance. They have no record of a balance owed and I asked about who they would have forwarded collections to in XXXX. XXXX was the young lady I was speaking to. She placed me on hold to speak with her supervisor and returned with NCO financial and gave me their number. The number that was given to me was XXXX. I hung up with XXXX ( The bank that does the XXXX XXXX ) and called NCO at the above number. The number has been disconnected. 
I have now received a call from my mother saying that they left a message on her house number XXXX a number that they did not get until XXXX? Also, the above mentioned friend that received a call looking for me, was not someone I met until XXXX. I have done my part to search out this individual and can not seem to find anything about the company or either phone numbers they called from ( XXXX and XXXX ). I have not personally received any calls on my cell phone which has been the same phone number since XXXX. I consider this to be an attack on me about a debt that is n't true and I would like to make a formal complaint and ask for help in this matter. 

An update since the original message. I have been contacted ( on my personal cell phone XXXX ) by the " XXXX XXXX XXXX '' with a recorded message identical to the XXXX stated above. This number called my phone using XXXX number. I want to stress again that this debt was settled back in XXXX and was considered closed out by NCO financial which I now have no way of contacting.
Discover stated they only report 60 day late payments. I fell on hard times and became XXXX, so for almost 2 months didn't have any money but I was aware to pay the bill before 60 days. My payments were {$560.00}. I paid my XX/XX/XXXX payment on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, and XX/XX/XXXX on XX/XX/XXXX. Over this time, they have increased my payments twice. That is not something I was aware that they could do. When I called about making a payment {$560.00}, I don't recall them correcting me about a minimum payment. When I made a payment on XX/XX/XXXX for {$560.00}. According to Discover, I missed the minimum payment by {$2.00} and so they reported me and my co-signer to my creditors and dropped my credit score by 100 points. I called them to tell them it was an honest mistake b/c I didn't know they were increasing my payments because I really didn't have a residents at the time. I asked them for assistance since it was an honest error twice. I've offered to pay more money and catch up if it could be taken off credit report. They have stated they do not have the power to do that. I am just asking for some help from anyone. Discover makes it very difficult to stay on top of payments. I try my best but it seems like they change the goal post so I can never satisfy them. My loan was originally with XXXX but they sold it to Discover. I've tried to get my cosigner removed but they don't allow it even with a satisfying record.
After not getting anywhere and becoming very stressed out with my business dealings through a company by the name of XXXX XXXX because the venture I had invested in was not going the way they promised. 

So, after many persistent calls I decided to listen to XXXX XXXX at XXXX, she demonstrated to me what their website creation could do for my business, What they showed me was not only more sophisticated and user friendly but nicer looking than mine. They said all the right things to get me to pay them to build me a better website and promised they were on the up and up and I would make money in 2-4 weeks and help put me in the right track to recover what I had lost with the other companies. 

Now 3 months later, I still have no working website and of course no money. I have seriously been taken advantage of and lied to by yet again by another internet online fraud. 

I would like your assistance in getting my money refunded. 

Thank you.
On XXXX XXXX, 2015, I purchased a XXXX Range Rover LR4, from XXXX XXXX XXXX XXXX for {$56000.00}, which is the fair market value for a similar car without any defects. The dealer is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
The dealer assisted me with completing a financing application for a loan with JP Morgan Chase Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. The financed amount is {$45000.00}. After I left the dealership, I was advised by my insurance company that my LR4 was a branded manufacturer 's buy back car, commonly known as a LEMON and worth substantially less than the amount owed on the loan with Chase. The fact that the car is a lemon was not disclosed to me by the dealer or Chase. Had I known the car was a lemon, I would have not bought the car. I later learned that the law requires that there has to be a consumer disclosure given to me before I agree to buy the car that declares the car is a branded lemon. When I asked for my paperwork from the dealer 's finance office, I was given a copy of my sales agreement and loan papers. I was also given a copy of a lemon law disclosure that had my FORGED signature. I later found the same disclosure form in the color designated for me, the buyer, in my car that was not completed or signed by me. The actual XXXX Application for Title form completed by the dealer, and signed by me, that was also sent to Chase, specifically omits that the LR4 was a manufacturer 's buy back car, ( lemon ). The box on that form that discloses the car is a lemon is not checked. I notified the dealer and Chase about the misrepresentation and fraud. Since I was ignored, I hired a lawyer to try and rescind the transaction or recover the difference in the value of a lemon law car and a normal car. The dealer denies any wrongdoing and Chase claims its paperwork is in order because it has the forged disclosure form in its records. I am still forced to pay Chase the full amount of the loan even though the car is worth at least {$20000.00} less than I owe.
Purchased home  XXXX / XXXX / XXXX  Escrow - {$490.00} monthly payment  XXXX  Escrow Annual amount analysis Escrow - {$490.00} Monthly  XXXX  Escrow Annual amount analysis Escrow - {$540.00} Amount that is being pulled on monthly statement {$600.00} Misappropriations of escrow transactions TILA Z Regs.     This increase for  XXXX  escrow was not calculated correctly or appropriately. They are miscalculating amount needed to pull for all monies due. There is no disclosure agreements of increased amounts. I will be disputing the amount of tax increase as well. Lender can not arbitrarily increase and pull escrow monies.     I called several times and wrote a letter to resolve this matter with no resolution. Their calculations are way off. I will agree to a mutual increase because of the tax increase however, the increase they are pulling is without agreement is out of reach and they are pulling more than they notified me of.     Your attention to this matter is going to be important as there will be a filing of a law suit complaint if there is no mutual agreement in amounts  and TILA Reg Z prot ections have been broken.
Fraudulent charge made by XXXX XXXX XXXX Tel XXXX on XX/XX/2018 for total of {$2400.00}. Submitted claim to Wells Fargo. They did not initiate a fraud investigation. They did not refund the card for the amount. The bank is taking no responsibility, even though it has a chip and I have the card and it could not have bee used at the store. Bank says to talk to merchant. Merchant says to talk to bank, and customer gets XXXX in the process!
I received an email XXXXXX/XX/XXXX, saying that a debit will me be made from my account in the amount of {$370.00}, please ensure that you have funds available to cover this debt. The loan was taken out on XX/XX/XXXX from someone else. I contacted Cash Center and they told me this was the 6th loan taken out, I explained to them, I do not have or ever had a XXXX XXXX  card, which they applied the loan to. So they told me that I would need to fill out the Identity Theft Victim 's complaint, which I did then I asked them about the other loans, the woman XXXX  told me since it's a fraudulent loan they could not give me the information about where the money or how the money was funded. I do have the dates of the other loans. I have filed a police report and have XXXX and contacted the IRS and IdentityTheft.gov. Now I am filing a complaint with you. What kind of business puts money on a card, which is not affiliated with a bank or has a bank account, checking or statement. I do not have a bank account, have not in the past 4-5 years. Not sure how they got my ss, I know with the XXXX breach. I have gotten more emails from Cash Central/Choice Financial that the debit did not go through, and have put added expense on the amount. I am very upset about this and having to jump through all these hoops for something someone else has done. The other dates areXX/XX/XXXX {$350.00}, XX/XX/XXXX {$350.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX{$350.00}
Company mislead on the interest on a loan and payment terms. I called to get clarification and spoke to a manager who told me that there was n't anything she could do to rectify my problems. I tried mercilessly to get the problem resolved to no avail. I felt cheated and mislead.
I received a collection notice from professional claims bureau Inc. Claiming I owe them a debt the purchased from XXXX XXXX XXXX XXXX university XXXX XXXX date XXXX Now I want to be crystal clear I was never in that XXXX on that date is this some kind of scam let me know
A request has been submitted requesting 60 days to settle my dispute. Worth Finance has also stated that I have called during the month of XXXX, I have been in contact with this company since XX/XX/XXXX. I do agree with the statement made that I was unhappy with option that was presented to me. Please note this company has reported this loan as a charge off and bad debt since XX/XX/XXXX. Knowing that the loan reach it 's limit of collection in the state of Taxes. WFC tried to re-instate a payment plan or increase the amount due, again on a CHARGED OFF, BAD DEBT as reported since XX/XX/XXXX. I made contact with them, they have not called back and should not be allowed to draw out or delay action of removing debt from my credit report.
We received a call from XXXX attempting to collect a debt we do not owe. We looked the number up on the internet and found that numerous other people had the same experience. We found similar reports on XXXX XXXX and XXXX XXXX
discover bank unfunded claims. Discover Bank recently closed my account because they claimed that the continued fraud on my account was concerning. This is after I called them to discuss the transaction that they previously had not seen as disturbing. In their XXXX Discovers backs checks that where posted through multiple times and activity from target card. All of which was explained in documents sent to them that morning XX/XX/2017. The XXXX Transactions in questions were done fraudulently although I did willing link my target debit card to my discover bank account. In the affidavit sent to XXXX on these charges it clearly explains what happened. Discover Bank is claiming the account can still be compromised because they could use the target card to access the account and get the account number. XXXX XXXX does not store the full account number online. XXXX in the affidavit it states that I know who took the card and that the card was back in my possession. So there was no one the account could continue to be compromised. As for the checks. XXXX has a pending complaint for me about running those checks through multiple times without my permission on XXXX. The complaint is attached in this. Without the multiple returned check fees plus the small deposits I received the account would not be overdrawn. As shown in previous complaint that Discover has yet to answer my Discover debit card was unable to be used and I had recently lost my debit card to my XXXX account. Those accounts are linked so I can transfer between the XXXX but I needed to make deposits via mobile to another account. I will admit that my transfer from Discover and then transfer from XXXX could be problematic and it was. As I try to transfer between the XXXX and Discover. Discover would reject the deposits. A print out of my credit between XXXX and today date XX/XX/2017. To show that my XXXX account had funds in it to complete the transfer had they allowed. So essentially for me. I had {$360.00} in XXXX fees plus {$160.00} in direct deposits from my employer and another {$300.00} transaction from the fraudulent target transaction that would have covered checks written. Because I did not have access to my debit card. Checks where the only way I could move money from Discover. XXXX had informed me they worked on the fraud case and that it was settled but nothing was settled which is why I called Discover and sent them the documents asking them to help in removing the NSF fees on my account.
Hello I lost my job in XXXX and I fell behind in my mortgage payments. I was out of work for almost 2 years before I was able to find a job once I did they paid me less than half of what I was use to making therefore I could n't save to reinstate my loan. IN XXXX of XXXX I was thankfully rehired at my old job that laid me off. I applied for NJ hardest fund back in XXXX of XXXX they sent me a denial letter in XXXX XXXX XXXX stating they denied me due to my loan being due for XXXX and they only help with XXXX never did anyone reach out to me to see if I had the difference it was at that time I called and I had to appeal they did not review my appeal until XXXX XXXX now since all that time passed more money late fees, attorney fees got added up the roof I was able to save about XXXX to put with the difference but its still not enough. so now I may loose my house and I came this far the mortgage company is not willing to work with me and they are not following the state of NJ guidelines that the program only assist with XXXX. Please help as I do not want to loose my home I worked so hard for it and I will have no where to go with my family.
I file a complaint with CFPB earlier ( Case # XXXX ) regarding Key Bank reporting on my credit reports account that they did not have. When First Niagara was bought out, my credit products went to XXXX. On XXXX.
Company is calling XXXX times per day from a blocked number. When I do n't answer they fail to leave a voicemail. Also, these calls are everyday even though I have already set up payment arrangements with the company.
Bank of AmericaXXXX XXXX ( XXXX # XXXX, XXXX, XXXX ) did not disclose that HELOC payments would be interest + PRINCIPLE during the draw period which led me to reject offers from other banks. I thought I was getting an interest-only HELOC. HELOC application # XXXX
I had XXXX collections show up on my transunion report. XXXX showed up in XX/XX/XXXX and XXXX showed up in XX/XX/XXXX. I never received anything from the collection company. No dunning letter or right to dispute which is my right according to the FCRA. As soon as I saw that they where on my report, I sent XXXX a validation letter asking for proof that the the XXXX collections where mine and the proper validation under the fdcpa. I sent it certified mail so I had proof when they received it. I waited the 30 days for there response and the requested proof and when the 30 days came and went and no correspondence was sent to me, I sent transunion a letter with proof that XXXX got my request for validation and a copy of the letter I sent. I demanded that the XXXX collections be removed from my report since they where put on there and XXXX didnt follow the rules they are required to do by the fcra. I received a letter from transunion yesterday saying that they had updated the XXXX accounts and that they where remaining on my report. I have not received any proof that these collections are mine nor has Midlands sent me any validation. According to the fcra, if a collection agency does not validate a debt within the allotted 30 days they are allowed, the credit reporting agency had to remove the account. 
I have attached all correspondence so far. Proof that Midlands got my validation letter. A copy of that validation letter. A copy of the letter that was sent to transunion and proof that they received it. Lastly, the letter that was sent to me showing the accounts where updated
They call Monday Thur Friday Call both phones Email also And text Every time Send letters Certified letters
My Mother-In-Law is XXXX after a XXXX and the only income she receives is from an insurance payment and Social Security. Her income is $ XXXX. However, she was able to go into her local Wells Fargo bank and even though she XXXX, she walked out with a {$5000.00} limit credit card. 
This is ludicrous. Right now it is 0 % interest but that ends next year and whilst I am working with her to pay off the balance, I 'm disgusted that this was allowed to happen. They know that there is no way she 'd be able to pay it off if she maxed it out, how was this able to happen?
I have been asking for Validation of a debt that I was told I owed and in asking for validation I have yet received anything from this company. I know they have received my validation request because it was sent to them certified and was signed for by a company representative. I have yet to receive validation of any kind as requested but I am still receiving letters from this company saying I owe something.
No notice of debt was ever sent to me regarding a debt dated XX/XX/XXXX. I have also never received a medical bill from the durable medical equipment provider, XXXX XXXX XXXX in XXXX, XXXX I was told that XXXX does the billing for this XXXX provider ( never received a bill from them ) and XXXX third party collections agencies are used. At the time of service, I was dual insured with XXXX XXXX XXXX XXXX XXXX, so there would be zero out of pocket cost. I spoke with the XXXX provider & was referred to XXXX. XXXX informed me that it was turned over to collections XX/XX/XXXX. I never received anything in writing from the XXXX XXXX XXXX XXXX, XXXX ). XXXX claims to have received a " cease & desist '' from me XX/XX/XXXX which I never sent them. I never spoke with anyone or had any contact with this debt collector. On XX/XX/XXXX, the account was turned over to another collection agency, Northland Group XXXX XXXX XXXX, who claims to have sent debt letters to me and has left numerous phone messages. I have not received anything from this collection agency either. I am disputing the claimed debt. Northland Group then closed the account XX/XX/XXXX with " efforts exhausted '' & then reported me to the credit bureaus. I am also complaining about the fraudulent methods that both collection agencies have used. Furthermore, the XXXX provider has provided me equipment every 90 days over the last 2 years and has never told me there is an outstanding balance. The dates of service reported/billed are every 60ish days and I only got XXXX every 90+ days. XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX, XXXX ), XXXX XXXX XXXX, & their collection agencies all have my correct/current contact information. Now I am being denied medical care and they are the only XXXX that has the medical equipment I require.
My student loan was switched over from XXXX XXXX, to Navient without any notice. After the change over Navient stopped sending me bills, assumed I would pay my bills online, and locked me out of their online platform. After many attempts to pay my bills, and finally receiving online access I requested that Navient send me paper bills via USPS. Navient did not fulfill my request and after many times talking to overseas representatives I was finally able to get paper bills in the mail. Several years went by, my wife and I purchased a home and navient began not sending bills in the mail again. When it came time to refinance on my home I was told that my near perfect credit score had plummeted to XXXX, and that I was 3 months delinquent on my student loans. At no time did Navient attempt to contact me about collecting on the loan, at no time was a letter sent to my residence about late payments, and at not time was an email sent to me explaining the delinquency. I contacted customer service, payed my bill in full, and was told that they would not help me in changing my credit status, and that it was not their fault they did n't send me bills in the mail to pay. I was told to sign up for automatic debit for my account. I signed up for automatic debit from my checking account, and payed extra on my bill. Today I received an email that my account is past due 2 months and that I was being charged late fees. When I contacted customer service I was told, from another overseas representative, that my checking account had insufficient funds. This statement was false because my checking account was flush with enough funds to pay my student loan bill, and another loan company who I borrow from had no problem auto-debteding from my checking account. It is my belief that Navient is using deceptive billing techniques, and unreliable overseas customer service in order to collect late fees from their customers. Navient holds hostage of their customers credit scores for financial gain. Both my wife and I had exemplary credit and never had a problem paying our bills due to our gainful employment.