WillisBack/dataset-financial-user-claim huggingface dataset:
This law office revealed to me that a named third party has a debt in collection. This may be an attempt to harass me because I filed a CFPB complaint against another debt collector a few days prior. 

On XX/XX/XXXX, I got a message on my answering machine from a representative of the Brett M. Borland, P.C. law office about a debt. Today, on XX/XX/XXXX, I called that representative, and she confirmed via transparently evasive language, that someone else has a debt in collection. 

The timing seems suspicious to me, because a company called XXXX, in response to my complaint # XXXX against them, stated on XX/XX/XXXX. that my " telephone number has been removed from our system. Additionally, we have placed the telephone number on our internal Do-Not-Call directory ''. Note, their language does not exclude passing my number on to a third party. Two days later, I get a call from a law office, looking for the same person to collect a debt. 

It seems reasonable that XXXX passed the collection file to a law office as a means of harassing me in retaliation for filing the complaint. The Borland law office representative told me specifically that they are not associated with XXXX in any way. She also had no interest in finding out her firm had possibly been used as a harassment tool, and hung up on me when I tried to enlighten her.
My complaint is against PayPal refusing to refund a XXXX shipping charge in the amount of {$39.00} to ship back a product I had not ordered. 
I purchased a ladder from XXXX. I was supposed to receive a XXXX ; I received a XXXX I demanded a return postage label to send back the item I had not ordered. XXXX refused to acknowledge that the shipper had listed a fraudulent ad on their website. The website advertised the product a XXXX but had the picture of a step stool worth about {$27.00}, as opposed to the {$87.00} I paid through PayPal using my XXXX credit card. XXXX gave me back the {$87.00} for the ladder I received on XXXX 
Because I had to pay PayPal for the ladder ( using my XXXX credit card ), XXXX said I had to deal with PayPal to get a refund for shipping back the step stool. PayPal kept claiming during phone call after phone call that I would get my money back. It was only when I had a XXXX CSR on the line with PayPal that PayPal provided return policy ( on XX/XX/2016 ) and revealed a website address where I could file for a refund of the shipping charge in the amount of {$39.00}. 
The policy stated I had to provide proof of return had to provide proof of return. That is all. 
The website actually required more than the proof of return. 
XXXX. I was able to provide a pdf file from XXXX showing that the product was returned. 
In addition, the website required : XXXX the original purchase receipt, XXXX proof of return shipping cost. 
All proofs were to be digital and I attached all files requested on the " XXXX. '' I received a message that my claim for a refund was disallowed because the file format for " XXXX proof of return shipping cost '' was the wrong format. XXXX did not provide a receipt for the cost. I had to set up a XXXX account to return the ladder, and I had to pay the {$39.00} with my XXXX credit card. All I could do with the time frame given on the website was copy the transaction on the XXXX website and create a text file. 
In summary : PayPal listed only XXXX proof -- which I provided -- to get my refund of {$39.00}. The XXXX website required additional proofs and rejected the file format for the {$39.00} I paid by credit card to ship back the item I did not order. There was no other file format available for this proof.
Attempted to pull my free annual credit report from Big XXXX Credit Bureau  on XX/XX/2015
I was able to promptly receiving my copies from XXXX and XXXX but i could not obtain a copy with Equifax. After i  made a phone call to seek help i was told they could not  help me and they  had to Charge me $ XXXX to obtain a copy.
I submitted a 30 day notice for moving out of an apartment. The office manager claimed I did not and tried to charge me another months rent and expenses. I submitted a written 30 day notice with my rent check as I was told to do. I verbally told them about 30 day notice, as well. The rent check was cashed, so I assume they got the written notice, too. I had the apartment professionally cleaned upon departure ( much, much cleaner than when I moved into the apartment ), I was completely out of the apartment days before the 30 days were up.
I had a  XXXX  debt which I paid to  XXXX   XXXX   XXXX . I received a letter from them with a settlement offer of {$90.00} for the bill to be considered paid in full. I paid that exact amount o n  XX/XX/XXXX .   On  XX/XX/XXXX , I r eceived a call from   XXXX   XXXX   asking me to settle the debt. I informed the guy that it was paid on   XX/XX/XXXX . H e asked me to send the payment info t o  XXXX ,   which I did that evening. On   XX/XX/XXXX  I  resent the original email since I had n't heard anything. Still no response. On   XX/XX/XXXX ,  I sent another email stating the debt was paid and I expected that they would remove the item from my credit report. Still no response. I checked my cred report and the outstanding debt had been reduced from {$510.00} to {$360.00}. So I c alled Convergent  on   XX/XX/XXXX   to find out why this derogatory item is still on my credit report and was told that they received response back from  XXXX  confirming the outstanding debt. I then decided to call  XXXX   XXXX  to see if they reported to  XXXX  when I made the payment. The rep confirmed that my account was paid. I called  XXXX  and had to file a report so they could investigate. The reference #  XXXX .
Modification states Deferred Principal of {$31000.00} will be Cancelled Debt in XXXX over a period of time. However Select Portfolio sent a XXXX for the full amount of {$31000.00} for 2015 and thus we reported on taxes and all IRS docs full amount of Cancelled Debt for 2015 from Select Portfolio is {$31000.00}. 
Select Portfolio Monthly Statements still reflect only XXXX has been cancelled. Leaving a balance of {$21000.00}, which is incorrect as IT HAS BEEN CANCELLED as a part of the {$31000.00} as reflected on the 2015 XXXX. Select Portfolio states that is simply how they do it. I said it should NOT be on a statement as owing at all it has been cancelled via the XXXX. They said there 's nothing they can do. How can we owe something that has been cancelled? How can they filed an IRS doc stating it is Cancelled debt and not Cancel it on our account in full?
Well, here I go again to dispute Citibank-XXXX responses from their Reps which are being attached hereto. Case # XXXX After thorough investigations and numerous phone calls to XXXX XXXX XXXX and talking to different liars, it was found that after the fact that there was a valid and legal settlement about my debt with XXXX thru these people XXXX XXXX XXXX the account was sent back to Citibank. 
It looks like when XXXX saw what was the settlement amount ( fair to me ) they decided to retrieve this account from the collection Agency when ( according to their version ) the first payment had been processed. This is very irregular and non-honest procedure and what is more aggravating ; they allege that the second and third payments were never processed. 
I made 3 payments and have submitted 3 payment confirmation issued by this XXXX XXXX XXXX in accordance with the terms of our agreement and can not accept as valid Citibank-XXXX statement saying that there is no proof of payment for the second and third payments. 
I have received 2 letters from Citibank-XXXX officers with unsustainable arguments and I take exception of Citibank-XXXX arguments and furthermore I empower my right to object this procedure and demand from XXXX to respect the agreement with XXXX XXXX XXXX and basically to provide a full history about this account. 
Now XXXX XXXX XXXX need to get involved and explain from their side what really happened and what they did with my moneys after they issued 3 Payment Confirmation No need to stress the fact that this issue has been affecting badly my credit records and because of this I have been unable to do business, now three years.
I was charged on a XXXX NSF fee because my account was overdrawn {$0.00} cent due the Bank of America moving the {$0.00} to the other account from the Keep the Change program. When I called into the Bank on XXXX XXXX I spoke with a lady and she said that I will reverse the XXXX fee because the amount was less than {$1.00} and due to the system being slow the refund should credit my account by XXXX. But XXXX had came and gone and the funds had not credited my account. I called back and used the chat system to inquiry about the funds and was then told that I would not get a fee reversal even though the fee was caused by an amount less than XXXX
Have tried for the past 1.5years to negotiate repayment plan with BOA/XXXX without success
Never Authorized credit inquires ( Not associated with an open account ) Identity Theft Victim!!!!
After speaking with the lenders legal counsel today they confirmed  ocwen  received the QWR - NOE - TPA on  XXXX / XXXX /  XXXX   and has not submitted a request for postponement in order to validate the debt owed and allow the homeowner to make arrangements.     Their legal counsel received a 5 day notice of error and has failed to cancel the sale.
I had four collections accounts with XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove them from my credit report, I checked my credit report and all four were removed. Now I received a copy of my credit report and they are there again, I called XXXX XXXX XXXX XXXX and they told me they will removed them again but nothing has happen yet. Please remove all four XXXX XXXX  XXXX XXXX collections from my credit report.
I have a student loan that I have been paying on for almost 8 years now, and I am looking to get them forgiven in year 10 with the public student loan forgiveness program. To initiate this process, you submit a form and the company, XXXX XXXX XXXX, sends you a status on how many payments of the 120 required for the forgiveness I have completed. When I received my notice, it stated that only 15 of my 70-80 or so payments have qualified, basically disqualifying me from the program as I will have paid my loans off before I reach 120 payments. I have my loans split, and one that I have been paying on for 8 years says that only 5 of my payments have qualified, noone I have talked to on the phone can explain why and state it is easy to see I have made all my full ontime payments since I have opened my account. 

This information is incorrect, I have paid my full amount due each month and in the right repayment plan. I requested an audit of my payments and account on XX/XX/XXXX. Over the past 11 months, I have received no information on where I stand with the review of my account. I have called approximately 6 times to inquire and each time no information or updates have been provided, and have been told to continue to " be patient ''. All the while, requests for my income and increases to my monthly payments are handled and implemented in less than a week. The company is quick to resolve matters that favor them, but has done 0 to assist me. 

I have recently sent in emails to the company, 3 have been acknowledged as received in their system, but no responses, and a phone call today XX/XX/XXXX also ended in a " continue to be patient '' response. 

I am now requesting help in resolving this as the company is taking 0 action to help me and I have no where else to turn. I would like to have my audit completed to know where I stand with my loan, or if there is still an error, find out what I can do to rectify the problem. Please help
On XXXX XXXX, XXXX, the home equity loan held by USAA was paid off by the title company when we closed on the sale of the house. I obtained from the title company proof that USAA received the payoff on XXXX XXXX, XXXX. I checked my credit report in XXXX, XXXX and again XXXX and found each time that USAA did not report that the account was paid in full but erronously reported it as a collections/charge off with an unpaid balance. I phoned XXXX XXXX at USAA XXXX offices in XXXX and XXXX, leaving a detailed message each time. I never received a response. On XXXX XXXX, XXXX, I faxed a letter to USAA demanding that it immediately and correctly report that the loan is paid in full and remove the false and derogatory information from my credit report. I faxed a copy of the letter to CFPB as well.
I received a notification from my credit monitoring service advising me that a new collection from commonwealth financial systems inc was on my reports. After reviewing my reports, I sent correspondence to Commonwealth Financial Systems Inc requesting validation of this debt since I dont have any outstanding medical bills that I know of. I requested the name of the alleged provider I owe as well as a detailed breakdown of the alleged charges. I also requested a copy of the signed medical release that shows I released my medical information to Commonwealth Financial Systems Inc on this alleged debt. Today I received a response from Commonwealth Financial Systems Inc dated XX/XX/2018 stating that their company is fully compliant with HIPAA requirements concerning privacy of medical records. There is no validation of the alleged debt. The name that the letter is addressed to is incorrect. I believe this company is attempting to take advantage of me and collect funds from me on a debt that is not mine.
In checking my credit report I noticed that my credit limit had been reduced. I was not previously notified. I contacted the company and was advised that my limit was too high and so my limit was reduced. I asked about with reducing my credit that that still keeps my limit high to appear that my card is now maxed out which would affect my credit. The rep was nasty as said that it is their money that they are loaning me and they can take it back when they get ready because it 's their money.
I am concerned about the validity and accuracy of the recent investigation done by the XXXX and Experian..I requested for an investigation because the accounts XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
I been having alot of problems with FIRST SOURCE but i want to report that they are proving personal information about me to others, they keep calling my work and have actually told 3 of my manager of my debt and now people know im in collections with them bc they provided that information to 3 of my managers. We also not suppose to received personal calls at work.
We represent an estate of a deceased who had a reverse mortgage. XXXX things, the daughter submitted a request for {$14000.00} from the remaining line of credit three days before the mortgagee died. The money was needed for XXXX bills, etc. Payment was denied. Also, we notified Financial Freedom we wanted to sell the property. They send us a notice of foreclosure. They have ignored both inquiries. Please advise
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
I was making monthly Student Loan payments ( to a now defunct XXXX University, XXXX XXXX ), after a forbearance period, when I had a XXXX XXXX ( XXXX ) in XX/XX/XXXX. The guidelines were made clear in the U.S. Department of Educations documents, even online, that such a Medical crisis is grounds to have a S. Loan " discharged. '' After supplying the proper Medical documentation ( s ), I received a XX/XX/XXXX letter stating my Discharge was Approved. Some time later I began getting phone messages from the same company ( Nelnet ), stating my previously discharged account was " reinstated, '' without explanation. I got a letter from them dated XX/XX/XXXX, I still possess. During that time I was maritally separated. We lost the home, etc. We filed bankruptcy and I've just discovered Nelnet is on the list of creditors to get a payment? I totally disagree with this payment so I contacted our Bankruptcy attorney. He stated Nelnet " is '' on the list, and may only get a minor amount of the funding. He totally ignored my initial complaint of them being on the list, at all. After an initial XXXX, a second one is much easier to suffer. Nelnet had no regards for my health with their letters, calls, threats, and demands. I feel something nefarious and illegal may be going on here, with Nelnet getting an " illegal '' cut of our Bankruptcy filing.
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) XXXX is reporting a collection for XXXX. XXXX. There has been no attempt to validate this debt, therefore it should not be reported.
I was only 8 days overdue for my payment. I was initialy called at XXXX on Friday, XXXX XXXX, 2016. Woman collector, I informed her I had some unexpected financial issues and I would pay as soon as I could. She ignored my information and she argued with me over harassment laws ; not the subject of the collection. Also on Friday, XXXX XXXX, the Citibank automated service started calling at XXXX ( immediately after human collector call ), XXXX, XXXX, XXXX, all were hang up calls except for XXXX when the automated service left a voicemail message for me to call Citibank immediately. Saturday, XXXX XXXX, 2016, the automated service called and hung up again. That is six ( XXXX ) calls within a XXXX hour period. I know they are all from Citibank as the same phone number and location come up on my caller id.
Exeprian refuses and and has failed to properly investigate review and responf to information provided by me and XXXX XXXX XXXX XXXX regarding wrong information being reported on their DATA BASE. PLease review letters from the XXXX XXXX XXXX XXXX which clearly indicates the Experian Failure to properly respond to their communications and my certified letters and calls and uploads.
I disputed the inaccurate reporting or errors on my credit report with documentation. XXXX  did not remove the accounts
Credit card company XXXX ( Bank of America ) sold my account to another company ( XXXX ) but XXXX never closed the account. I'm paying XXXX and XXXX monthly for same account. 

XXXX and XXXX member number are the same # XXXX XXXX XXXX XXXX expiration date XX/XX/XXXX ( XXXX ) -XXXX-XXXX XXXX XXXX expiration date XX/XX/XXXX ( XXXX ) -XXXX-XXXX I've been calling and dealing with this for a year and I'm paying XXXX   {$50.00} a month and XXXX {$97.00} a month. This is a financial hardship for me, the money is being taking out of my account and no one is helping me. I've called XXXX who sold my account and no one can tell me why they are still taking money from my account. I'm retired and going through financial hardship and in desperate need of help. Both accounts are closed.
I was charged more than the original loan amount by XXXX, loan # XXXX. The payment history showed I paid the principal amount off XX/XX/XXXX. I disputed the final payoff of XXXX due XX/XX/XXXX. I asked them to review the payment history which showed that I had paid off the principal already. They transferred the loan to Bank of America, loan # XXXX effective XX/XX/XXXX. Bank of America sent me a payment notice. I contacted Bank of America and was assigned XXXX XXXX, XXXX ext. XXXX to help resolve the complaint. She had difficulty resolving the problem because XXXX did not provide the full records as requested. After dealing with the problem from XX/XX/XXXX to XX/XX/XXXX and not getting the problem resolved, I sent them what they said I owed. I was told no late charges would be accessed and no late payments would be reported to the consumer bureaus. The account was reported as 60 days late by Bank of America.
I completed a wire transfer with XXXX XXXX on XX/XX/XXXX at approx. XXXX XXXX EST to Coinbase Inc via XXXX XXXX. The amount of the wire transfer was $XXXX. The information included in the wire transfer is as follows:As indicated by Coinbase Inc, wire transfers may be received the same day if completed by XXXX Pacific, otherwise they will be credited to the account on the next business day.The wire has not been credited to the account as of now, XX/XX/XXXX XXXX XXXX.I contacted XXXX XXXX on XX/XX/XXXX. They verified that the wire transfer was received by XXXX XXXX.I contacted XXXX XXXX on XX/XX/XXXX. They verified that the wire transfer was received and stated that they sent the wire to Coinbase Inc. XXXX XXXX provided the wire reference number.Wire reference number: XXXXI emailed XXXX today XX/XX/XXXX with the information requested. I called the wire support phone number and was prompted to send an email to the above address.
Equifax continues to report XXXX Bank as an Open Account, thereby distorting my credit utilization. This account was charged off in 2010 and is due to drop off permanently soon. My actual and current credit utilization averages XXXX therefore my credit score should be higher.
I have had a checking account with Regions for over 20 years which provided free checks if I maintained the required balance. I call Regions today on XXXX/XXXX/17 and spoke to a manger who advised me they had changed their policy and free checks were no longer available. I reminded him that when I applied for the checking account they stated free checks were part of the package.
A few years ago I applied for a payday loan at Always Money located off of XXXX XXXX XXXX in XXXX, AL. This company went through name change and my last known balance with them was about {$330.00}. Also this company went through management changes so many times that it got to a point where they could n't find my account in the system and that they said I did not owe them a balance anymore. Now, it 's been a litigation office that calls me non stop almost every day about this account stating that I owe them about $ XXXXplus on the account. The name of the company is XXXX that is located off the XXXX XXXX. They would not give me there full address because of privacy reasons. They call from unknown numbers, local numbers and toll free numbers. When I look up their info on the internet it reads Fraud/Spam and the customer reviews says the same thing. A lady named XXXX XXXX from XXXX says that she will have my located on the premises of my job if I do n't pay them. I feel that this company is a spam and I dont want to give them any account information over the phone to pay them. They call me all day every day and if I fail to answer them they will call my sister, aunt, mom and harass them too. That is also embrassing and I dont know how they could possibily had got their phone numbers but we do not have a common name so that may be the reason. Is it true they can come to my job and serve whatever it is? They never verified my place of employment.