WillisBack/dataset-financial-user-claim huggingface dataset:
Plaintiff XXXX XXXX, has been subject to unlawful telephone practices by your company in the form of ( unwarranted or unauthorized ) cellular telephone calls by use of an auto dialer or ( XXXX ) in relation to debt collection practices. 

Defendant National Principal Group , LLC ( NP GROUP ) debt collection company called my personal cellular telephone numerous times without my prior express written consent trying to attempt to collect and alleged debt as consumer XXXX XXXX does not have a contract or account with the Defendant ( NP GROUP ) has demonstrated willful or knowing noncompliance with XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) by continuing to call Plaintiff XXXX XXXX private cellular phone numerous times before sending a prior express / written consent form which Plaintiff XXXX XXXX never authorized prior express / written consent to any of these unwarranted automatic telephone dialing systems, or ( ATDS ) cellular telephone calls with a total disregard of law and in violation of XXXX XXXX XXXX XXXX. 

Defendant ( s ) has demonstrated willful or knowing non-compliance with XXXX XXXX XXXX ( XXXX ) ( XXXX ) by calling Plaintiff XXXX XXXX wireless telephone number XXXX that has been placed on the National Do Not Call Registry ( DNC ) since XXXX XXXX, 2012, Plaintiff 's number, which is assigned to a cellular telephone service. A person whose number is on the Registry and has received more than one telephone solicitation within any twelve-month period by or on behalf of the same entity in violation of the TCPA can sue the violator and seek the same statutory damages available under XXXX XXXX XXXX ) - the greater of actual damages or {$500.00}, a figure that may be trebled {$1500.00} for willful or knowing violations. XXXX XXXX. XXXX XXXX XXXX ) ( XXXX ). 

Plaintiff ( NP GROUP ) harassed Plaintiff XXXX XXXX by making numerous cellular telephone debt collection calls without reading the XXXX Miranda / Mini Miranda as required by law for debt collectors. ( NP Group ) engaged in false and misleading representations in their communication in connection with debt collection to a third party.
I check on my credit report and it showed I have 7 credit cards and 1 loan, but in fact I only have 1 credit card and there is no balance on the card. I've never applied for loans!

Also I was told there is a delinquency which affected my credit scores. I believe someone has been using my identity and taking a load without my permission. It has seriously affected my credit score. Please help.
To CFPB I decided to check my credit report and surprise surprise I find some company called XXXX XXXX has placed multiple fraudulent charges on my report through Paramount Recovery Systems. I do not owe this company anything, I DON'T EVEN KNOW THEM!!! 
I am hereby requesting a formal federal investigation into this company and I want them fined XXXX XXXX XXXX dollars as you have done to other companies that have violated the law. I am further sending this report to the Attorney Generals office for an investigation and will pursue criminal charges against this company.
My credit card account was closed and when I called to speak to capital one to ask why they said it was for too many return payments, I explained to them that the last 5 month my account has been active and up to date sometimes even paying off the balance in full also at the time of the return payments my account was already up to date with monthly payments I was just attempting to make a extra payment I also explained that I made the payment but never made it to my bank to put the cash in because I had to go to work so I just simply cancelled it and attempted the next day. Didnt think my account would be closed for this especially when I have been on time and accurate with all payments prior. So I was told an account cant be reopened and I should apply for a new account, so they run my credit again I got approved for a new card account and then after receiving it in the mail a day later that account was closed they said in association to the other account when I was just following there advice. So now after filing bankruptcy last year and starting to reestablish my credit I now have a closed account with a balance now and a brand new account that was closed right away. I believe I was treated unfair.
I am beyond frustrated at the way Chase has handled my dispute complaints. I have been victimized by an online business scam and previously requested assistance disputing the charges paid to these fraudulent companies. I just received a letter that my case was closed because they " did n't receive any documents that indicated I wanted to dispute '' ... I was previously unable to open the dispute because I was told it was outside of the 60-day time frame. They never requested any documents from me I filed a complaint here because I hoped someone would look into this further. I have other credit cards and they are looking into charges just as old or older. The charges I am disputing for not being rendered to me as described are XXXX XXXX XXXX in the amount of {$280.00} and XXXX in the amount of {$630.00}
i find it funny the last time i called them i was told they didnt have a current address and was getting returned mail but never called. but today i was told by the manager that they had my current address on file for awhile ... so please tell me why you were send to the wrong address on file and not the current one. i feel like you have tried to push a suite that i was calling on and trying to make sure you had everything you needed sorry my hoouse was condemned not my fault at all - i have gone into debt for this happening and i am sueing submit for this. this is very rude to send to the wrong address so you could sue someone for more money - the law is i dont have to pay you what you ask for - i was never offered any thing nor received anything from you. you are a very sneaky company and now that i know you have all my current information and have this whole time ... serve me right. all if is funny that the response to my last claim is send to the name of my husband ... so i dont know who you are collecting on but you sent it to me for my debit. if you are trying to collect on my husband you will need to mail him a notice - cause we have no clue whonm this debit is for. this is to nasty ... your a horrible company that has no heart for other nor follows the laws or rules for your company with lies over and over which i have proof of everything that has been said to me and your manager even stated when i call the first time it was not even filed yet was just filed so i was threathed suite last complaint and you have not even filed it ... i was at work on all these calls so they are recorded and can be used for court as well
I paid {$480.00} to Portfolio Recovery in full with a debit card on XX/XX/2018. The Funds cleared on XX/XX/2018 from my bank account. I called Portfolio Recovery to request a reciept of my payment. I was told there is a waiting period before a reciept can be issued. I requested that the confirmation of payment be emailed to me. I gave the representative my email address. I never received the reciept. I disputed the balance with the credit bureaus and as a retaliation tactic Portfolio Recovery Associates added a negative remark, they updated the status of my account to " Derogatory '' instead of paid and " Closed. ''
I HAVE A XXXX XXXX XXXX REPORTING ON XXXX  ONLY FOR XXXX ACCOUNT NUMBER XXXX I HAD DISPUTED THIS ACCOUNT AND I GOT A LETTER FROM XXXX XXXX SAYING THERE WHERE GON NA REMOVE IT IN 30 DAYS. XXXX AND XXXX ALREADY DELETED THIS ACCOUNT. ONLY XXXX DID NOT. PLEASE UPDATE XXXX TO REMOVE THIS ACCOUNT
I am filing this complaint because Equifax ( credit file confirmation # XXXX ), XXXX  ( credit file # XXXX ), and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
I have several accounts on my credit file that are not mine and are a result of identity theft these accounts are ... XXXX bank XXXX and other accts when reviewing my fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Finance XXXX XXXX and addresses that I have been used fraudulently that need to be removed here are the addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX / XXXX XXXX, XXXX Va XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX and name aliases that need to be removed here are the aliases XXXX XXXX XXXX, And XXXX XXXX XXXX XXXX XXXX addresses and names need to be permanently removed I have sent in copies of a police report # XXXX officer XXXX XXXX badge number XXXX
In XX/XX/XXXX the CFPB issued a consent order related to Discover Student loan servicing.
My Discover account number : XXXX Discover sent me letters and a check for {$75.00} as part of the consent order. I spoke to Discover several times regarding my receipt of the check. I spoke to them on XX/XX/XXXX and again on XX/XX/XXXX.
When I received my check I deposited it into my XXXX XXXX XXXX account. On XX/XX/XXXX the check bounced in my account. XXXX XXXX XXXX told me that Discover had placed a stop payment on the check. XXXX XXXX  XXXX charged me a {$35.00} fee and a {$12.00} fee. 
I spoke to Discover again and they mailed me out another check.
I spoke to Discover on XX/XX/XXXX before I deposited my newly received check and I was assured that this current check was good. OnXX/XX/XXXX I cashed the check with XXXX XXXX XXXX. 
On XX/XX/XXXX7 XXXX XXXX XXXX debited my account for a return item fee for the check. I will once again be charged a {$35.00} fee from XXXX XXXX XXXX. 
When I called Discover they informed me that they no longer handle the refund checks and that I would need to speak from now on to the CFPB.
It 's on my credit twice and it showed it was transferred/sold to another company caller Mariner fiance. Monthly payment are XXXX dollars a month. I should n't have 3 on my credit and would like them to be removed as iam not working. And I believe it 's to old to still be on my credit!
Around XX/XX/XXXX! My account has been closed! Because my girlfriend write me a check about {$10000.00}! Befor I deposit I did not tell her! I m gon na deposit right now! I think. Bank call her said do you wirte check for anyone deposit! She said no! We are missed communication! So bank reject my deposit! And my bank had closed by chase! On XX/XX/XXXX I try to reopen a new account at chase! After 2 days my account been closed! I really like chase bank I wan na know how can I reopen!
I performed a cash transfer on XX/XX/XXXX from my account at XXXX Bank XXXX to my savings account Capital One. The funds were moved immediately electronically to Capital One, but they put on XXXX week hold on the funds until XX/XX/XXXX. Although Capital One has the funds they will not release them to me. The amount of the transfer is XXXX {$4000.00}. Capital One says it takes longer to transfer the funds to a business saving account and that is the reason for the 7 day hold.
Experian show s   XXXX   old accounts ( 4-6  years old ) on my credit report that do not belong to me, along with several credit inquires, I was victim of Identity theft. After I notified Experian of this, they verified the information with  XXXX  and  XXXX   XXXX  then they re-dated the information giving the debts new current Failed to Pay dates, and took points from my  credit score  in both instances as though I had recent activity on these accounts, when all I did was dispute the information. Furthermore they now specifically note that I have recent missed payments which is not true.   In addition on  XXXX   XXXX  I sent Experian a registered letter, which they received on  XXXX   XXXX . This letter contained an official signed report from the FTC with my case number, verifying that I was a victim of identity theft, along with my SS #, a copy of my drivers license, a copy of an insurance statement as verification of my address, a copy of my credit report with information circled, and my complete addresses for past two years. According to the FTC they are supposed to block information within  four  days after receiving my request, which would have been  XXXX   XXXX . They did not block the information. Instead they sent me a letter dated  XXXX   XXXX , telling me to send all the information I have previously sent plus a statement from a law enforcement officer. They were not timely in their response to me, as I just received their letter on  XXXX   XXXX .   I will send the letter from the law enforcement officer to them, however, Experian has taken it upon themselves to further damage my  credit score  by falsely updating my credit report to show new recent FAILED TO PAY dates, when in fact both of these accounts are several years old with no recent activity. Their actions have caused me to have a lower overal l credit score  for a mortgage I am in process of obtaining.
An unauthorized Amex card was taken in my name XX/XX/XXXX and a balance of {$7100.00} was run up. I have notified Amex via certified service several times. The first letter sent out XX/XX/XXXX XXXX  Tracking XXXX signed for by, XXXX MAIL ROOM. The second letter on XX/XX/XXXX via XXXX tracking XXXX signed for by, XXXX FRONT DESK. In both cases, they failed to respond within the 30 day period of time required by law and was a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). They were also put on notice of 15 USC 1692 et  seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. I further included a notarized copy of my Identity Theft Victims Complaint and Affidavit. As of today they have never responded nor acted to my requests.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
My ex wife purchased a car and it was financed by Santander which at the time of purchase Gap insurance was also purchased. There should be no balance left is which why consumers purchase gap coverage. I have disputed this account and requesting full validation and verification regarding this issue. Please help assist.
I filed an application with Chase for a loan modification due to a hardship in the in the family. All papers were filed appropriately and the " results '' were to see a very little reduction in my payment.
I have paid XXXX the amount I owed them twice already of {$310.00}, each time to a different collection agency. Now, three years after i paid off the last collection agency I received another collection letter that I owe them another {$310.00} and this is a third different collection agency. I do not owe XXXX any more money.
Through CFPB, XXXX XXXX XXXX XXXX XXXX closed this account. 
Explanation of closure : " Terminated collection efforts and notified the bureaus to delete our trade line. '' Case # XXXX XXXX/XXXX/2015
They keep robo dialing, and refuse to leave messages or tell me who they are representing. They wo n't send me notices in the mail, to verify who they are.
This account has not been validated a XXXX has been removed from XXXX and XXXX I need this removed immediately as the company has yet to validate the Debt. 

I need them to stop reporting wrong information to the credit bureaus as false and misleading practices. Will also report to Attorney General, FTC and XXXX.
Hi, we cancelled our credit card with American Express after over 20 years of excellent payment history since we were denied a charge for our taxes in XXXX, and after being insulted by an incompetent CSR, who told my husband we need to pay down our card to improve our credit so he cancelled our AMEX cards. Then, we later found out our AMEX rewards points were gone so we filed several complaints with AMEX with no resolution so we are seeking the return of our XXXX points that still show up on our most recent XXXX XXXX statement. The CSR never told us we would forfeit our points, and the CSR 's who we filed our complaints with keep saying there our no notes of our conversations so we want to put this in writing so everyone can see what a SCAM AMEX can be after 20 years of loyal service. In fact, our XXXX XXXX statement shows we have XXXX new points so not sure why we would accrue additional points when our past hard earned points were taken away so please help us resolve this matter before we file a small claims suit next for additional damages to our credit reputation as well per the CSR 's blatant ignorant statements which originally caused us to close our AMEX account. Thank you!
This account was original with XXXX XXXX XXXX and they was sold to another company. I have paid this account with the collection agency. I have called and let them know so far nothing has been done.
I am writing to inform you of the difficulty I have endured by refinancing with XXXX XXXX, who was seized by the Federal govt in XXXX. I refinanced on XXXX XXXX, XXXX with XXXX XXXX. They were shut down in XXXX XXXX by the Federal govt. My mortgage was transferred to Loan Care Servicing in Virginia. I have been asking for a copy of my title insurance since XXXX, which over {$3500.00} was included in my contract. I 've found monetary discrepancies & fallacies in my mortgage contract along with exorbitant charges through having a Forensic Audit done. The mortgage contract claims to be a fixed rate but in actuality is a variable rate. This is supposed to be an FHA loan but I can find no record of it. I 've contacted the Title agency, and the lawyer of record, XXXX XXXX, XXXX. but neither to date has responded to me. I truly believe there was not ever an insurance title, and the charges stated in the mortgage are fraudulent. We have been requesting that the servicer do a restructuring of the loan, especially when my spouse faced hardship in XXXX when he was laid off. A Forbearance was granted for 6 mos, after that, they requested all monies totaling {$15000.00}, they claimed was owed, even though they told us if we met the Forbearance, they would grant a modification. We are not trying to get a free ride but want someone to address what we feel is fraud. We have recently received letters not only from Loan Care, saying they own the Note, but also from XXXX XXXX, who says they own the Note from Loan Care. We have checked our county records and find that many illegal assignments have been recorded in the XXXX XXXX clerks office. Also, new title insurance policies have been issued in the state of Virginia and in the state of XXXX, TX. The loan number has been changed on three occasions throughout the the loan. We 've tried to seek justice by hiring at least XXXX law firms but we were simply taken for a ride and our money. We were reimbursed a portion by the Federal Trade Commission. Now, even though we have recently spoken to XXXX XXXX, who claims they hold the Note, we 've received a Notice of Acquisition from the XXXX Law firm representing Loan Care, saying we are in foreclosure and threaten to hand over the Title ( what title?! ) to HUD, who will in turn hand it over to Loan Care. We pray you will investigate this matter of fraudulent and unscrupulous acts from taking place and preventing these entities from unlawfully seizing our property without legal assignment of Note, Principal disclosed, issuance of our Homeowner 's Title policy in mortgage, and explanation of exorbitant charges in mortgage.
I have XXXX collection agencies tryingXXXXXXXX to collect the same debt. 
1. Resurgent Capital Services, XXXX, SC XXXX and2. XXXX, XXXX, MN XXXXThe debt originated from XXXX, There is only XXXX debt for XXXX. Both companies insist that their claim is legitimate and have refuse to provide any proof of the debt. 
I do not want to pay XXXX.
No matter how many payments I make in addition to the extra I give them each month my balance does n't move. They say that the extra will be applied to the principle but it is n't. It 's a rip off! I had a hardship and needed to reduce my payments but can not do so because it 's based solely on my income. They knew I could n't afford to pay this loan when they approved me for it. Just like the mortgage companies with the preditory lending. These loans are designed to keep us in this long term repayment system!! I 've tried to pay but can not and they refuse to work with me in getting some type of payment each month.
I contacte d Citi rega rding my deceased husband 's AT & T Universal card. My husband opened this account in his name. I was a cardholder, but not an account owner.     When I contac ted Citi they  took his name off the account and change it to my name, which is wrong. I wanted the account closed, and since he has no estate, there is no money to pay the balance. I was so upset because I called just a few days after his death, and they talked me into making a payment.     Then they said I would now be responsible for the balance. I reiterated that I was a card holder and not an account owner. They also repeatedly asked for my social security number, which I did not provide.     When they told me I must make payments, I asked them to send a copy of the credit card agreement with my signature showing that I was an account owner and not just a card holder. That was back on  XXXX   XXXX  or  XXXX .     I and my son have called and spoke with  Citi mu ltiple times since then because they keep telling me  XXXX  of  XXXX  things. Either they do not have records of documents older than 7 years, or that they will send me a copy of the credit agreement proving that I am a joint owner on the account. As of  XXXX   XXXX , we have not recieved a copy of the credit agreement.     If I were not just a card holder on this account my husband opened himself, then Citi would already have my social security number.     I am almost  XXXX   years old, livi ng in subsedized senior apartments and have no money. I need help!
The second mortgage on my foreclosed home was transferred from XXXX to Realtime Resolutions in XX/XX/XXXX. The last payment on this mortgage was made XX/XX/XXXX and was charged off by XXXX. However, Realtime Resolutions is showing a new 90 days late payment in XX/XX/XXXX on my XXXX credit report. I should not show a new late payment just because the balance was transferred to a new servicer. I have disputed this error directly with Realtime and XXXX  and have received no resolution.