WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/2016, DCM Services, a debt collector, left a message for me ( the executor of an estate ) on my home voicemail, that was listened to by my daughter and her friends while I was not at home. The call came from XXXX XXXX XXXX ... " Hello this XXXX XXXX XXXX at DCM Services. This is a private message for ________. We are a debt collector attempting to collect a debt of the late__________. Please call me immediately at ... .. '' Although they stated that this is a private message and " if you are not ________, please do not listen to this message. ", they are not authorized to call my home and direct the persons living there as to what they can and can not do in the privacy of our home. I have asked this company to put any requests for information in writing, and I have directed them not to call my home again, prior to this call.
XXXX XXXX, XXXX I received an email from XXXX XXXX XXXX about how my employment has been recertified. On that same day, I receive a notice of my payment tracking and it says 0 payments have been counted towards my Public Service Loan Forgiveness from my past year of on time direct deposit payments. 

On XXXX XXXX, I received another XXXX XXXX XXXX email about my employment being recertified ( again ) and now instead of 0 payments counting towards my Public Service Loan Forgiveness, it says 2. Still, this sounds wrong as I have had direct deposit payments made every month for the past year with XXXX XXXX XXXX. 

On XXXX XXXX, XXXX I called XXXX XXXX XXXX to get an explanation as to why only 2 payments of the past year have qualified for Public Service Loan Forgiveness and I am told that it will take about 60 days for the request to review to go through. She informs me that payments do n't qualify if they are in forbearance or if I 'm late with my payments. She looks over my account and says it does n't appear that I had an issues ( no forbearance or late payments ) and the payments should be counted and reviewed in 60 days. 

On XXXX XXXX, XXXX I called XXXX XXXX XXXX as this is the end of the 60 days. I spoke with a representative and again he informs me that sometimes payment do n't qualify if they 're in forbearance or late. He checks my account and sees that all my payments are made on time and should count since nothing was marked on my account. As he checks my account he says it appears that 21 payments have been made towards my Public Service Loan Forgiveness and that I should hear back in the next few weeks with an updated qualifying payment email/letter sent to my account. 

On XXXX XXXX, I check my XXXX XXXX XXXX account to see if any of the payments went through and noticed that it still says 12 payments and nothing has changed. I called XXXX XXXX XXXX again asking about any updates for my payments towards Public Service Loan Forgiveness. The customer service representative told me she saw 22 qualifying payments were made and I told her that I was n't seeing the same information and it still only says 12 qualifying payments. She transfers me to someone else and this representative now informs me that I have been on a " rolling pay ahead '' program for the past year. None of the previous phone calls have ever indicated that I was in this program and my payments were being made on time every month. She informs me she will request my loans be transferred out of the pay ahead. She also informs me that she will put in a request to review all my payments from the past year and a half to be counted towards Public Service Loan Forgiveness. 

After 5 months of calling and waiting, and being told repeatedly that my account was fine, I have only now learned that I was on this rolling pay ahead program after a year and a half of payments.
I truly need an expedited QWR on my property I own in XXXX, New York. I hereby attach a signed copy of this QWR, and need an expedited reply with all documentation.
Over the course of XXXX and XXXX, 2018, I paid over {$2500.00} to Global Client Solutions, a debt-settlement company. Due to circumstances beyond my control, I was forced to close my account with them and requested my money back. All they sent me was a check for {$170.00}. I am XXXX and need that money back desperately. Can you help me retrieve it?
No bills were sent to my home and no one contacted me about any payments to be made. Even the collection agency never contacted me. I realized I had a payment due when I pulled my credit report.
I just received today XXXX XXXX, 2016 a notification that my house is put on foreclosure on XXXX XXXX, 2016. My house is still under HAMP modification program with Nationstar Mortgage. Nationstar some time requested some documents from me to continue the processing of my HAMP loan modification which I sent promptly to them. I sent all the appropriate documents to them. Since then I never heard from them even my calls every week to my dedicated loan specialist XXXX XXXX to check on the status of my HAMP modification were ignored. When she called me instead of addressing the purpose for which I called her she will simply leave a message for me saying " I am returning your call. '' One day she picked up my call and I asked her about the status of HAMP loan modification she asked me to write down the documents why on phone. I told her to send them to me in writing as they could be denied. Her reply was she does not write. I told her I will be expecting the documents and since then I never heard from her again. All my phone calls to her were ignored. The foreclosure letter id said that the foreclosure AD was enclosed in the letter and I could not find the enclosed AD. I know of XXXX and not know of XXXX.
I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$3300.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.
Its not letting me Dispute the 4 Items on my credit report I dont no how they got there it wasnt me
I recently pulled my credit report from TransUnion and noticed many accounts listed on each of my reports as a collection/chargeoff. I immediately disputed this information with TransUnion multiple times and the results of the investigation have always came back as " verified ''. I did not have an account with any of these creditors during this time period. 
Since I have disputed the account with the credit bureau, and they have verified them, I would like to see what sort of records they have for these alleged accounts. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it. I will seek legal action under FCRA 623 ( b ) for violations of the FCRA if you do not comply and respond to me with the results of the investigation within 30 days of your receipt of this letter. 
In order to clear up this matter, I would like to see, a signed contract showing me that I indeed had an account with these companies. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in reporting accurate information on my credit report. At this point, you would also be in violation of the FCRA merely for not responding within the 30 day period. 
To avoid a lawsuit, I request that you remove the accounts from my credit report. Please delete these listing or I will be forced to seek legal action.
Chase is reporting to only XXXX that I have 120 day lates from XXXX to XXXX and the date of last activity and account closing was in factXX/XX/XXXX and should n't even be reporting anymore.
I have been working since last summer to submit PSLF paperwork and get an updated count of current qualifying payments. I have had to resubmit paperwork several times, and have made several phone calls to the servicer ( multiple times throughout the summer   XXXX  , then again in  XXXX ,  XXXX ,  XXXX , and  XXXX  of this year. ) Each time I am provided with different information. Either my paperwork is being reviewed, or they are going to place it under review. I am assured that I will receive some kind of documentation ( either online in my account or via mail ) within a certain time perio d ( som etimes 60 days, sometimes 90 days ) and to please wait. I still do not have the information I have been asking for, do not know how many qualifying payments are being counted towards PSLF and have not been given any information on what I can do to move forward. Currently, my account reflects o nly 17 qual ifying PSLF payments, even though this number should be closer  to 50. I can  not get any explanation for what is being counted, what is not being counted, and why. During my last phone call in  XXXX  I was total that a " payment tracking '' document would be sent to me via mail and that I should receive it within 60 days. Thus far, I have not received anything.
United Recovery. This company calls my work number, my home, my cell, and various relatives constantly and repeatedly. I dealt with this company several years ago and they lied to me and told me that I was already being sued but if I agreed to a payment at that time the suit would be dropped. That was a lie. Now I am dealing with this company again and the calls are constant. I ca n't believe a word they would say after the last time. 
In addition, they recently called my sister in law and told them they were a debt collector looking to collect a debt, and could she give contact information or pass that on. I was under the impression they are not permitted to disclose that information to a 3rd party.
In reviewing my most recent XXXX credit report, I noted that on XXXX/XXXX/2016 TRANSWORLD SYSTEMS of XXXX XXXX XXXX, XXXX, Pa XXXX inquired into my credit file. I do NOT owe them nor anyone they claim to represent ANYTHING!
Around 18 months ago, I took out a " direct deposit '' from my Bank of America credit card that carried a XXXX % deposit fee and 0 % APR for 18 months. The promotional period ended XXXX/XXXX/2016. I made minimum payments for 18 months and after receiving my XXXX/XXXX/2016 bill, I scheduled a payment in full for XXXX/XXXX/2016, which was within the payment period of due date XXXX/XXXX/2016. Prior to XXXX/XXXX/2016, I contacted Bank of America to inquire when my promotional interest rate was ending. I was not told by the XXXX that I would have to pay my balance in full by XXXX/XXXX/2016 to avoid any interest charges. On XXXX/XXXX/2016, I received my Bank of America statement reflecting a {$100.00} interest charge. When I called Bank of America to contest the fee, I was told that I should have known that I needed to pay in full by XXXX/XXXX/2016 because that is the date the promotional APR ends. I believe that this is a deceptive tactic, because at no point did Bank of America make it clear that I would have to make a full payment on or before XXXX/XXXX/2016 to avoid interest charges. Whenever I use a credit card, I avoid interest as long as I pay the balance in full before the due date. It made sense for no interest to accrue between by statement date of XXXX/XXXX/2016 and my next statement of XXXX/XXXX/2016 as long as I paid the balance in full. This deceptive practice has resulted in a steep interest charge that is unfair and predatory. I do not think I should have to pay this charge.
On XXXX/XXXX/XXXX at XXXX Eastern Time, a fraudulent transaction was applied to my credit card account with Citi . This transaction was from XXXX in XXXX XXXX. I called Citi within 1 hour of the charge and told them that I was not in XXXX XXXX and that I did not authorize any charges from XXXX. I am a US Citizen and have had my credit card with Citi since XXXX XXXX and never have I used it internationally. However, Citi did not block this transaction. When I called the customer service hotline and informed Citi 's representative that this was fraud, the representative cancelled my card and issued me a new one. On XXXX/XXXX/XXXX, I received my new credit card however the fraudulent transaction was still on my account. I called Citi again, in the morning, and spoke to a supervisor who then called XXXX, confirmed that the fraudulent transaction was indeed fraud and not made by me and then told me that the charge was removed from my card. When I checked my credit card account later that afternoon, the fraudulent transaction was still applied to my account. I spoke to another supervisor, XXXX from Citi 's Missouri office, and she was absolutely no help and very unprofessional. She told me that I would have to wait a week for the fraudulent transaction to come off of my account. This fraudulent transaction is for approximately {$750.00}. Because of this charge, my newly issued credit card is unusable and I have XXXX available credit. According to Citi 's customer service supervisor XXXX, I have to go without my Citi credit card for 1 week because of fraud that Citi refuses to remove from my account. Again, I have never used my Citi credit card internationally, I have never paid late, I have never been over my credit limit, but Citi 's internal controls did not block a charge that originated in XXXX XXXX and they refuse to remove the fraudulent charge, even though I reported it as fraud right away. This is absolutely ridiculous that I have a credit card that I can not use and Citi is penalizing me for ( obvious ) fraud. Citi supposedly offers XXXX liability for fraudulent charges but here is a case where there is obvious fraud and Citi will do nothing about it.
USAA F.S.B ( XXXX : XXXX ) About 6 weeks ago, I applied for a credit card with USAA F.S.B by phone. I specifically instructed the representative that we wanted the Cashback rewards plus XXXX XXXX card -- we specifically told the representative that we wanted the card that offered 5 % cash back for military purchases. We were approved, but a few days later found out that the representative had accidentally submitted our application for a different credit card -- the World Mastercard. 

I have been on the phone with USAA customer service at least 5 times, and we have received no useful information yet. USAA once told me that they had pulled the record of the phone call and the manager was going to review the recording, but we were subsequently informed that USAA was still searching its records for the phone recording. We have never been given a chance to speak with a manager about this issue, and USAA has even stopped calling us to give us updates about our case. The customer service could not be worse, and it appears that after 6 weeks of time to review, USAA has not done anything to rectify their mistake. 

In short, USAA F.S.B. did not process our application for the credit card that we requested, and they issued us a different credit card that we did not apply for.
I sent {$250.00} to Rushcard via XXXX this past Friday. After receiving my money my account said pending activation after a few days past I finally got in contact with customer service in Sunday. And my card was activated then I went to an ATM and my transaction was denied. My account now says XXXX balance but the deposit is showing in my transactions.
XXXXXXXX XXXX XXXXXXXX a debt collection company by and through XXXX XXXX XXXX, who claims to be representing Discover Bank, and put a action in JUDICIAL DISTRICT OF XXXX, which is not the proper venue, and it appears that this " complaint '' was brought by a " third party " for a " alleged debt '' that was not validated or verified, by the alleged " creditor '' or a affidavit of debt, was submitted, after numerous notices of dispute was sent to the third party and DISCOVER, which was not validated in accord with 15 usc 1692g, or GAAP, as a consumer i never gave consent to contact " the consumer '' as i third party has no authority to do so 15 USC 1692C, XXXX XXXX is claiming to be a attorney without proper Power of Attorney form ( form 56 ) or a license for a debt collecting company in the STATE of Connecticut, and is using the JUDICIAL DISTRICT OF XXXX, to send abuse communicating in a attempt to get the consumer to default and for the consumer to file for bankruptcy, case number XXXX JUDICIAL DISTRICT OF XXXX
Debt Recovery Solutions , LLC indicated on my credit report that I owed them {$150.00} for a debt that was not mine. I suspect that the debt is my son 's because he has the same name and when I called them I confirmed that fact and asked that they remove the collection from my credit report. I was told they could not so when I asked to speak to a supervisor I was told to hold and after 20 minutes I was told I would receive a call back. That was at XXXX so when I did not receive a call back by XXXX I called back and was told that they returned all calls by XXXX same business day. I had not received a call back by XXXX so I called back again and was laughed at by the gentleman that answered my call who said that it was 10 minutes until closing and they had 48 hours to call me back, The next day I received a call at XXXX from somebody who refused to spell her name who literally bitched me out and threatened to hang up every other sentence and racially harassed me until I hung up on her. This is not my debt and I am suffering from a decreased credit score as a result of this company not doing their due diligence to ensure they are attacking the credit report of the correct person by either checking the SSN or date of birth of the party before they arbitrarily put a black mark on somebodies credit report and I demand somebody from our governing authority do something about this.
I opened a checking account with Huntington Bank under a promotion " {$300.00} Bonus if you deposit {$2000.00} '' on XX/XX/XXXX. I met all of the requirements within 1 day. After a couple of months I called and messaged them to check on the bonus, which had n't posted yet. 

I was told that I needed the exact promo code I used to open the account. This was about 4 months after the account opening. Nowhere in the sign up process did it mention that I was required to save the promo code ( a ridiculous requirement to me ). I do vividly remember clicking the " {$300.00} bonus '' icon and then signing up for the checking account with the promotion clearly stated ( I had a screenshot that I was willing to share with them but it was saved on my work computer, where I am no longer employed ). 

Huntington kept telling me that if I did n't have the promo code they could do nothing ( who keeps a 4 month old promo code flyer? ) I believe this is unfair, since I met all of the terms of their promotion and was hoping that the CFPB could help me in getting this resolved. 

Thank you for your time and consideration.
I underwent an XXXX, prior to XXXX. This was paid to XXXX XXXX XXXX. Due to overpayment, I received to checks from XXXX XXXX. However, they continued to send statements. I do not understand why I would received overpayment checks if money was owed to them. In addition, I attempted to pay online, and there is no balance owing. I received letter from EOS CCA collection office on XXXX/XXXX/2016. Here is copy of my letter to them. I also have submitted check to them, dated XXXX/XXXX/2016. 

EOS CCA XXXX. XXXX XXXX XXXX, MA XXXX To whom it may concern : I am writing this letter and submitting check to you under duress. This ongoing dispute with XXXX XXXX is way beyond a joke. Why am I submitting check? I am disgusted with their inability to operate their financial system, and then to pass account to collection agency. 

This copay was submitted online. I then received XXXX checks from XXXX XXXX re overpayment ; now there 's a thing. Unfortunately, I did not document, as I did not have a crystal ball, and did not realize I would have to deal with people that should not be in finance positions. I continued Type to enter text to receive letters re the amount of {$46.00}. 

My wife contacted XXXX XXXX and advised them of this, per last statement XXXX ; payment was due XXXX. Unfortunately, she did not request name of XXXX XXXX representative. My wife advised lady that she would immediately make another payment online. Guess what? No balance due!!!! Go figure. She attempted several times with, I may add, the correct information ... No balance due!!!! No balance due!!!! I certainly could not understand this. It probably was due to the fact that NO BALANCE DUE!!!!! Surprise, surprise, I received a collection notice. Of course, I am incensed at the stupidity of all concerned. 

My wife contacted XXXX XXXX AGAIN yesterday, XXXX XXXX. She spoke in depth with XXXX from billing department. Conclusion? XXXX suggested calling another number, as she could not provide any pertinent information ... .or she knew nothing. To say my wife was frustrated is an understatement. 

On to your letter, which states one can pay online. Guess what? You have a technical issue and would not allow online payment ... I have never in my life been so utterly frustrated and angry and shall be forwarding this letter to FTC with official complaint. Let 's face it, why on earth would XXXX XXXX send me XXXX overpayment checks, yet not apply to what they say was owed to them? To reiterate, I am paying this check to stop everyone harassing me. Crazy is not the word!!!! This is wrong, wrong, wrong, wrong!!!!!!! 

Sincerely,
I executed a cash for keys agreement with Greentree as part of the Deed-In-Lieu of foreclosure agreement. Now Greentree is unwilling to pay me the {$3000.00} amount that was agreed to by them.
My issue is with Vanderbilt mortgage company every month that Ive fallen behind in the last 3 years they have harrassed degraded, and have told me what bills to not pay so they get there money. XX/XX/2018 I fell behind and told them I would pay on a certain date they asked for personal tax info to prove I would pay one time past 30 days due to three deaths. My husband took a pay cut at work that hurt our monthly income so this is why sometimes I pay a fee, they sometimes call me 3 times a day even if I give a date that Impaying Ive had to block them, because they have caused me a lot of anxiety. I sometimes pay a late fee, but this was the first time I was past 30 days Ive never had a company be so harassing in two days they sent someone to take a picture of my home and a certified letter the day after even with a promise to pay date in place. They make it really hard to talk to them in tough situations. They also offer no help in tough times and make you feel like a scum bag for not having there money. One person even said get another job. They have caused me a huge amount of stress and thought someone should be aware of how they treat people.
I wanted to proceed with a mortgage refinance on my primary residence and I was rejected by USAA Federal Savings bank due to my debt to income ratio which was 48 %. The associate stated that the debt to income ratio should be 45 % or under. So I applied with my wife as joint applicants. We were turned down as well due to the fact that her credit score was below XXXX ( XXXX ). I am displeased due to the standards imposed in trying to apply for a refinance. We are hard working individuals that want to consolidate the XXXX mortgage loans into XXXX.
I 've disputed this account, and asked for verification multiple time in the past 6 months. To this day, Portfolio Recovery Associates has failed to deliver validation of debt. The only response that I received was the deletion of Portfolio Recovery Associates trade line from the XXXX credit report. By the removal of this trade line from my XXXX credit report this has set a precedent that Portfolio Recovery Associates was unable to substantiate this claim of debt and therefore removed it from the report agency. 

This account is further negatively affecting my credit report and score due to this company 's inaccurate reporting. I am requesting the full deletion of this account as a result of Portfolio Recovery Associates not lawfully validating this debt after a substantial amount of time to do so and by the precedent set by the company in the removal of the trade line from my XXXX credit report.