WillisBack/dataset-financial-user-claim huggingface dataset:
Debt collector going by the name of XXXX XXXX XXXX XXXX, keeps calling my family members and leaving threatening voicemails. Their threatening voicemails include statements like " We are trying to locate him, and if he does not call us back we will take legal action. '' They leave threatening voicemails on relative phones in order to try and scare me into calling them. 

I have no idea who this " debt collector '' is, nor do they identify themselves as a debt collector which is a flagrant violation of the Fair Debt Collections Practices Act. Their threats are also a violation of the Fair Debt Collections Practices Act. 

I do n't want any further communication from this " debt collector ''.
I use a Chase credit card, every month I call in to make a payment. After making the payment I remove my payment information from the account. Three times they have failed to remove my banking information after stating they have done so. 

The last request was on XX/XX/2018 in which they sent a letter stating the information had been removed. 

On XX/XX/XXXX I made another payment to my Chase credit card in which the information remained on file and the account information ( last four digits of my credit card number ) was provided to me by a Chase agent that was not located within the United States. 

I requested a manager, was transferred. I reported the regulatory error to the manger. They apologized for the mistake, refused to give me information to contact any government regulatory bodies that credit card companies report to. Refused to take note of this information to report it up the chain to provide me the information. Instead the manager was only willing to give me the address for an internal Chase complaints department.
This is my third formal complaint, and asks you to investigate the business practices of Transunion. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 
I have Asked that XXXX Credit Card and XXXX XXXX Credit Card and XXXX be removed as this we opened as a result of ID Stolen. This has been Removed/Deleted by XXXX and XXXX, however Transunion has been reluctant. My ID was stolen to Open Accounts with XXXX XXXX Credit Card- XXXX Credit Card and XXXX XXXX XXXX . Of which I have sent in my Police report and Notice asking these be remove with immediate effect. Transunion 's failure to properly adhere has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, persons affected with ID Theft 's Accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed.
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Attn : Customer Care XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I was late past due 60 days then paid. This is a formal notice that your erroneous claim is now disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( XXXX, Transunion, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
This company contacted me as a " potential '' relative of mine. I do not know the person that owes the debt and do not know how they retrieved my private phone number. This is NOT a debt I owe. I am only related to the debtor as my daughter is married to his Aunt.
I want to make a complaint regarding a XXXX XXXX XXXX credit card associated with XXXX XXXX. 

In XXXX, they offered me the credit card mentioned before, without clarifying that I had a charge for late payment of the same amount consumed. 

In XXXX I make a purchase of {$19.00} that should be paid in XX/XX/05, that day I forget to pay the card and I remembered it 3 days later, I log into my account and I had that balance of {$19.00} for which I made the payment. 

After that, did not make more purchases with that credit card. One month later, on XX/XX/XXXX, I received an email with a balance to be paid of {$41.00}, what surprisingly corresponds to the " late fee '' of the XXXX payment ( which never appeared in the account when paying my balance ) and another " late fee '' of the following month for not having paid the late fee of the previous month. 

When they gave me knowledge of that, I automatically asked to close the account, because it is absolutely unfair that they keep adding late fees of the same amount that was consumed or not paid and also I did not want them to keep adding late fees of a card that I do not use. 

It turned out that despite having closed the account, I still get late fees for something I was never notified. 


1- I never got any statement that had late fees until XX/XX/XXXX, or one and a half months later ( In addition, in my case, since I had not made more purchases with that card, I did not log in the account to verify expenses and balances ) 2- According to XXXX XXXX  the late fee automatically appear in the account the next day of not having paid, so then, why it did not appear in the account when I log in to pay it three days later, in that case I would have never let that much time went by, and would have paid it at that moment. 

3- Which is the reason for not being notify during two months of the account balance and now I keep receiving mails and phone calls with debts that do not stop increasing only for 3 days of delay, I insist, I never received notifications about it and also when I log in to pay it did not include the charge for late payment ( then how could I know what I should paid if it was not included in the account ). 

Please, I consider it is very unfair to pay a debt for something that XXXX XXXX XXXX or the bank does not communicate in due course.
XXXX Hospital has repeatedly repeatedly turned my medical bills over to collection. They now have sent this ONE AGENCY XXXX BILLS. They have been told by me a million times that I have XXXX through the state of Florida as a secondary insurance and they are not submitting these bills there. They immediately turn them over to collection, then I am harassed by the collection agencies and my credit continues to be destroyed.
Sent XXXX XXXX XXXX a letter asking for validation of debt with the original application from XXXX. Because I contacted XXXX and they said they don't have any accounts for me other than my XXXX XXXX and XXXX Unlimited Memberships. Been trying to resolve this issue due to my employment requiring my credit be clean. This company is jeopardizing my ability to earn a living. I have already file an complaint with the FTC and Identity Theft, gov and I have hired a firm specializing in resolving credit issues. I should not have to come out of pocket to clear up something that it would take all of 5 minutes for MCM is correct.
Hi my name is XXXX, I open a Account at Suntrust Bank XX/XX/2017 online I then deposited XXXX that day I also deposited money again XX/XX/XXXX XXXX and XXXX and I open the account online on the XX/XX/XXXX I went in yesterday try take money out they say they ca n't hold on my money no letter in mail no call nothing then so when I talk to management at bank he say cause I open account long ago before we was n't supposed to let me so ok where my XXXX
Loan # XXXX Ditechh, Greentree Services To Whom it may concern ; The reason for filing this complaint is to report the incompetent and severe consequences I have encountered due to the actions ( lack thereof ) of Ditech & Greentree Services For the transition period XXXX XXXX, XXXX XXXX XXXX, XXXX is due to several components. The most significant impact and issues are primarily due to the following : XXXX, XXXX loan modification program started I set up monthly scheduled Direct banking payment to Greentree Services XXXX XXXX Greentree Services called asking for a payment " over the phone '', stated XXXX payment had not been received. Greentree Services told me to call the bank to " stop XXXX payment ''. I made a payment over the phone & paid {$30.00} fee to stop the issued payment. XXXX payment was received by Greentree Services in XXXX ( have bank documentation proof ) Greentree Services did not post until XXXX. I was told " do n't worryabout it '' Submitted XXXX payment on time. Greentree Services returned XXXX payment back to me, stated I was rejected from the program due to none payment in XXXX. Combined with NOT finding regular employment Low Sales of running a small business are the reasons for being behind on the mortgage payments.
I am submitting this complaint against  John C. Boewicz PC  because while I was trying to settle a debt of {$3500.00} they began to garnish my wages without any warning. I was negotiating over the phone with them since    XXXX  2017    . I even sent them a couple of faxes explaining that despite my financial hardship I was willing to settle. I started with {$750.00} then I counter offered {$1100.00}. They asked for proof of funds and I even faxed that over. Within a week from my last fax they had already garnished {$85.00}. I called to ask  XXXX   XXXX   XXXX , who I was negotiating with, why they were taking money if I already had asked for a settlement. He responded that he and his " superior '' figured this was the best option for them. I never was told they were going to garnish. What was the point then faxing over proof of funds? Today they garnished {$75.00}. I am a divorced woman and I do not make what my ex husband use to make. I have  XXXX  children to provide for. I feel that they took action to quickly and left me in the dark on purpose. Attached is the proof of faxes I sent them.
XX/XX/XXXX I purchased a new computer from Best Buy and was tricked into purchasing XXXX XXXX 27/7 with the impression that I could get a computer diagnosed and fixed. However, XXXX XXXX 27/7 Service Support is unable to meet contractual obligation. Tecs are not equip to assess or solve computer problems. Pushing a service plan that they have no intention on providing customer support. XX/XX/XXXX, while working on my computer it crashed. Being pressed to complete a work assignment, I decided to take my computer to XXXX XXXX, XXXXTexas. The Tec stated it would take sometime to check the computer for virus and it may have to be shipped out. Being pressed, I purchased a new computer with the idea that I could use the tec support to fix my current computer ( expensive computer ). I took my original computer and a new computer for servicing to be told there is nothing they could do ... I called CustomerService to file a complaint, forwarded to XXXX XXXX Supervisor who suggested that I take the computer to another location. So I took the computers to Best Buy located in XXXX, Texas. I encountered the same issue, the Tec not really wanting to work, there is nothing they can do ( according to XXXX XXXX my visit was not logged at the XXXX location-folks not doing his/her job ) but I did call in a complaint after my visit. Once again, I tried to seek resolution to my compliant on XX/XX/XXXX. I called Customer Service, being transferred many times last person spoke to was XXXX. One XX/XX/XXXX calledcustomer service at XXXX, spoke to XXXX and XXXX XXXX Sent a letter of compliant to customercare @ XXXX ( complaint XXXX ). Called Corp office to be transferred to XXXX at XXXX who said send an email to XXXX. Called XXXX Corporate number, Option 5 told there is no complaint dept at the Corporate level. Filed a complaint with XXXX to no avail and refusal to give me a refund. No manager called me, but instructed to travel back to another store ( without compensation ). Not customer orientated just a bully company that cultivate consumer fraud and scams. No complaint procedures, resolution dept or escalation team. Unable file complainants with a corporate office. XXXXDeceptive business practices and unethical business conduct
I had a loan with Bank of America XX/XX/XXXX. I fell into hardship around XX/XX/XXXX however I still continued to make payments until I got a modification of my loan XX/XX/XXXX. While I was making payments and the loan modification was being processed Bank of America sent my loan to a attorney for foreclosure. It seems as I was making payments, Bank of America was sending my payments to a suspense account and were not applying the funds correctly making it seem as though I was late. The foreclosure was dropped after having to speak to a Bank of America district manager and him researching and clearing the foreclosure. Now I am being serviced by XXXX and they keep stating that I owe fees for the attorney and foreclosure when it never should have gone to them in the first place. I have tried over the years with no success to get this removed from my current loan and I keep getting no where. I have spent countless hours and stressed in so many ways and have been defeated. Please assist. I have my transaction history from that time showing where the funds were in the partial balance the whole time and I have the notices for Bank of America 's intent to accelerate from XX/XX/XXXX.
A collector by the name of " XXXX XXXX '' has called my cell phone for the past four days, leaving a voicemail message each time. On the fourth day, he left XXXX voicemail messages.
XXXX was unwilling to cancel my account with them and charged me for a third cable box when I returned two. I paid for two boxes for nearly five years, I do n't keep my past bills but their were two televisions in that place of residence. When I called XXXX to ask for a copy of my last bill they said since I 'm not a customer anymore they do n't have that information on file. It took me nearly two hours to cancel my account and the person I spoke to was irate about it. In the long run, I never had a third cable box and they 're billing me for not returning that box.
My debt to The Art Institute of XXXX was PAID off by a Student Loan Forgiveness program and it is in the XXXX as PAIN IN FULL. HOWEVER, the school has fabricated a {$6000.00} debt for me, stating all types of erroneous damages and they are HOLDING MY TRANSCRIPT which is PREVENTING ME FROM transferring to obtain my XXXX XXXX. Not only that, The Art Institute has SOLD my account to a collection agancy and then the collection agency gave it BACK. They are claiming I left damages to an apartmentXXXX, in which there are NO PICTURES, NO PROOF and there were XXXX students living in that apartment WITH ME. I have attempted to work out a payment plan with The Art Institute but I work for a consumer advocacy firm and I am NOT PAYING an INVALID debt!!!! Please investigate this matter as they are HOLDING my TRANSCRIPT and causing me to have HOLDS in registering for XXXX XXXX XXXX XXXX XXXX. I am XXXX class away from my XXXX in XXXX XXXX. I have a copy of the XXXX sent in by a XXXX XXXX, who was on the ORIGINAL STAFF when I attended The Art Institute.
I was on a deferment and they marked me late multiple times. There are also many instances of duplicate reporting and it has completely ruined my credit. The unfair practices has affected my purchasing power by devastating my credit. Rather than assisting me to repay the loan I was pushed in deferment, which more than doubled the principal of this loan.
Westlake Financial previously had my car impounded previously. Your agency recovered my vehicle and made Westlake drop unfounded charges on my account. Once I got my vehicle back Westlake changed my due date till the XXXX of each moth for car payment. I set up automatic bank pay for this company. Every single month I get a late fee notice after my payment has been made on time. I can send a bank statement showing proof My credit is ruined with this company and I want it reversed and for them to stop harassing late letters. Most letters I receive are even after they have had that months payment week ahead of due date.
I have several of closely dates hard inquiries from the same company. One authorization while looking for a mortgage rate does not authorize multiple hard inquiries. It seems as if they are malicious after the loan agent stopped contacting me after the pull. Additionally, once I did secure a loan company/agent, this looks to be malicious.
Inquires were made on my reports. I did not authorize this. I sent certified letters with no response or action returned.
Reference current/unresolved complaint against XXXX XXXX, cfpb Complaint $ # XXXX filed XX/XX/XXXX. XXXX has sent the chargeback to US Bank putting my checking account overdrawn by the disputed amount of {$720.00} which was charged on overdraft fee of {$36.00} for a total of {$760.00}. Please refer to the cfpb Complaint referenced above. I believe the client is engaged in fraudulently keeping the two custom tables I made and shipped to her as well as procuring a complete refund via a questionable chargeback claim. As a result of this fraudulent chargeback, XXXX XXXX via We Pay has debited my US Bank account. I have tried to rectify this chargeback/overdraft with USBank with no action on their part. Also, I have never authorized, nor signed up, for overdraft protection with US Bank. My major concern is that my Social Security benefit will be direct deposited on XX/XX/XXXXinto my US Bank checking account. With the existing overdraft, my check will be wiped out leaving me no funds for the month of XX/XX/XXXX. The circumstances at this point in time make this my only source of income.. According to Section 207 of the Social Security Act ( 42 U.S.C. 407 ) my Social Security benefits are protected from garnishment by US Bank or XXXX XXXX. US Bank at this point in time is intentionally slow walking remediation. They have refused to expedite the manner in any way other than by mailing a form to me at their convenience. They are in effect preventing me from submitting the necessary information to mitigate this fraudulent chargeback. US Bank is not guaranteeing me protection of my Social Security funds and has alluded that they will use them to offset a chargeback they were not authorized to make.
I opened a Chase Amazon Rewards credit card a year or so ago, and I 've been wanting to close it. I 've had difficulties using the Chase site, which resulted in a few late fees, but that is n't the problem. The problem is that the card is XXXX paid off, no pending payments or transactions, and that there is no way I can find on their site to close the account, which I no longer need. When I called the XXXX number, I just had someone ( probably a recorded message, because it sounded the same each time I called ) that says " Hello '' and just hangs up. While I 'm no longer accruing interest on this card because there is no balance, I just do n't want it anymore and I 've searched the site everywhere for a place to close the card or information about it and I have had no luck.
We refinanced our VA loan with Lowvarates.com The process began about XX/XX/XXXX or XX/XX/2016. Because we were a " streamline '' VA refinance, we did not have to have alot of paperwork done and were advised it would n't take long. We were " about '' to close on several occasions and finally XX/XX/XXXX we got a closing date of XXXX XXXX, 2016. We signed all of the closing papers on Friday, XXXX XXXX, 2016. We understood that our XX/XX/XXXX payment was included in the payoff and we would not have to make the XX/XX/XXXX payment. We went on about our business and on XXXX XXXX, 2016 I received an email from our broker. He sent the email after XXXX p.m. and I read it somewhere around XXXX or XXXX. He advised that there was a mistake in he paperwork and we had to resign the papers. They sent a notary to us around XXXX to sign the corrected paperwork. After the paperwork was corrected we realized that the mistake in the paperwork delayed the funding and they payoff of our old loan did not happen until XXXX XXXX, 2016. At that point, the our payment that we were told was paid in the payoff of the house was 30 days late. We had spent the month of XXXX expecting to close on more than one occasion and did not make the payment because we were supposed to close and were told it would be included. The next morning I emailed our broker and asked about if we would be considered 30 days late, his exact words were, " you should n't. With that said, if the lender does report we will provide a letter to clear it. '' So with that, we were ok UNTIL a couple of weeks later I checked my credit and saw that the payment WAS reported 30 days late and it had reduced our scores nearly XXXX points. Our broker wrote a letter to the mortgage company explaining that we were told the payment was made, but our mortgage company refused to make any change to the reporting. 
Our broker should have told us this could happen! He should have advised us to pay that payment immediately - although it was already after XXXX when he tried to contact us on the XXXX of the month and the payment was more than likely already late.