WillisBack/dataset-financial-user-claim huggingface dataset:
For over three months I have been getting collection calls from a company called Focus Receivables Management. According to the internet, their address is : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX The collection calls are in the form of robocalls, and all of them say exactly the same thing, in effect, it is a debt collection call from Focus Receivables Management, and a number to call back. No mention is made of what the debt is ( I do not have any debt whatsoever and owe nothing to anybody ). I typically get two or three such robocalls per week. I have recorded typical robocalls which are attached as a file. I have decided that I will not respond to those calls as I have no debts, as a response would make things worse and give Focus additional information. At no time has Focus Receivables Management provided anything to me in writing. I suspect that somehow Focus has my telephone number in error but it is more than possible that it is some scam.
I had originally purchased a set of bar chairs for my kitchen from XXXX ( Creditor : XXXX XXXX ). At the time of purchase I was told that they only had one in stock but that they could sell me the showroom model as well. Once both were delievered I realized the chairs were different and did not match. Naturally, I called and had one of them returned with the expectation of ordering another of the same type. This is where the problem started. It was after the return of the chair that XXXX failed to credit my account for the chair I had sent back. After many attempts to get the credit they refused. As a result I did not pay them for the chair as I had no intention of paying for something I did not have in my possession. After futher disputes they agreed to credit the account, however, they subsequently sent off the interest earned to a collection agency PORTOFILIO RECOVERY ASSOCIATES without my knowledge. It was my impression that if the account was credited that in of itself meant the creditor acknowledged the debt was not mine and as a result any interest acrued was not mine either. I was wrong, I started to receive debt collection phone calls from PORTFOLIO RECOVERY ASSOCIATES and in order to rid myself of the debt ( under {$1000.00} ) and reduce its effect on my credit I opted to pay it off completely. Nevertheless, I am not satisfied and would like this rectified.
I am doing a short sale and this was being done with HAFA. This is a backup buyer because the last buyer walked. We submitted everything exactly as it was previously approved and now WellsFargo is saying that the investor will not give the correct amount to the XXXX lien. It is very clear what the XXXX guidelines are, my agent even sent them the guidelines but they refuse to work according to those guidelines. After waiting all this time they declined my application. I need the relocation assistance to move from my property and the XXXX lien will not take the amount they are offering because they know the guidelines as well. They just approved them to get XXXX with the last buyer and now they want to change their mind. If they are going to benefit from HAFA and the incentives they get for working with it they should follow the rules just like I have to.
I was notified by police that I am a victim of identity theft, so I requested a credit report. Upon reviewing the report, I see addresses listed on there that I never used or lived at. One address is XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX. I believe this address belongs to XXXX XXXX. Address ID XXXX
The account has been paid by Navient /Department of Education listed on website and my account Number says I have XXXX balance
I received a letter in the mail dated XX/XX/XXXX from AFNI regarding the collection for a XXXX account. Before I could have the chance to dispute the collection and obtain validity the company placed it on my credit reports XX/XX/XXXX. Normally you have 30 days to obtain validity with the company. This was my 1st notice I have ever received from them.
XXXX 1 ) I, XXXX XXXX XXXX, never received services from XXXX DENTAL CARE the reporting client of this collection agency. This is not my account and is not for charges I incurred. This is not my dental care provider, has never been, and will never be such. 
( 2 XXXX The patient who received care is XXXX XXXX. XXXX XXXX is an adult, not a minor child nor a dependent of mine. XXXX XXXX is covered as a member under my health insurance, but as the enrollee in the insurance, I am neither required or responsible for payments for health care service received by the family members covered under my health plan. 
( 3 ) I never signed as a guarantor of payment on the account for XXXX XXXX. This company is attaching this to me simply because I am the enrollee in the health plan. Federal law allows me to add eligible adults to my plan, but does not mandate me to be responsible for the costs incurred by those covered. * ( 4 ) I have repeatedly told the staff at the collection agency and the dental office that this is not my account ; I have provided them with the contact information for the adult patient that received treatment ; and have provided documentation that these services were not received by me and as the enrollee for the insurance, I have no responsibility to pay someone else 's bill. 
The item is being reported to the XXXX credit reporting agencies from CENTRAL CREDIT SERVICES LLC, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, and is inaccurate.
I purchased a car and it was financed through 5th 3rd bank in XXXX, OH. My last payment was XXXX XXXX, XXXX. In XXXX XXXX, I pulled the last 2 coupons and paid the last 2 payments. My payments have always been on time throughout the loan. 
On XXXX XXXX, XXXX ( yesterday ), I received a call from the bank ( a male ) saying that I still owed {$250.00} on the car and I explained that I had made every payment and had the coupon stubs to prove it. He said that they never put the last coupon in the book and that I still owed this one payment. I thought it was a scam so I got mad and hung up. I filed a complaint with my local Attorney General 's office immediately. This morning, XXXX XXXX, I got another call from the bank stating that I owe this money and I told her that I had filed a complaint. I also explained to her that I had completed ALL my payments and did not owe them anything. 
I do have the empty payment book with the stubs where the coupons have been pulled to the end and there was no information at the end of the payment book stating that the last coupon would not be found in the book. 
My credit is impeccable and I am very upset by this seemingly unethical practice of this bank. I am concerned that they will not release my title until they get this " extra '' payment ( which is definitely not owed them ).
XXXX XXXX XXXX/Company has never communicated via phone, mail, or email that I have ever owed them a debt. This debt has been placed for collections and has been reporting to all 3 credit bureaus. I have no knowledge of this debt. Also upon further investigation, the state of North Carolina requires collection agencies to be registered with the Secretary of State. XXXX XXXX XXXX is not licensed to do business in North Carolina. Their current status is WITHDRAWN.
I had two transactions that are a result of {$35.00} overdraft fees applied because of transactions that are under {$10.00}. On XX/XX/XXXX I made a transfer transaction from my second checking account to the primary checking account. I transferred {$30.00} to my primary account. A {$6.00} purchase was made and my balance was {$23.00} for some reason I was charged a {$35.00} overdraft fee when my SSA direct deposit was posted on XX/XX/XXXX. This action could not be explained by the Bank. On XX/XX/XXXX a transaction came in for a preauthorized debit of {$10.00}. I made a deposit on XX/XX/XXXX XXXX where it showed a -XXXX where a overdraft fee was not applied. Shortly after I made the deposit a overdraft fee was applied but the account shows a {$15.00} balance that I thought was available.I tried to use the available balance to make a purchase and was declined. I contacted the bank and request a courtesy of returning my money and was told that I I will be charged a overdraft fee which was applied later in the day and a follow up overdraft message was sent to my phone shortly after. I understand their procedure but why not send a reminder that you have a negative balance and to make a deposit. The bank used to do that in the past but they are so hungry for taking money from people that are on a fixed income and I can not afford to give the Bank overdraft fees on a monthly basis. I would like to be advised if I can possible sue for not making customers aware of negative balances and choosing to charge overdraft fees any time of the day without warning. This resulted in a transaction that was denied because I was unaware of the overdraft charge until I called and discussed with the Bank. Shortly after speaking with the Bank they decided to send a overdraft message to my phone but it was too late I thought I was in the positive. Please help. Citizens Bank repeatedly charge overdraft fees and take away from customers that are on fixed income and deliberately taking money for overdraft fees.
OnXX/XX/2018, TIAA Bank offered a 6 month mortgage rate lock to lock my rate on mortgage loan application. They were asking for {$4400.00} deposit to lock the rate which is promised to be refundable at closing. Recently, I locked my rate and paid the said deposit. However, when the Loan Estimate was sent to me, it shows that the rate lock deposit is not really a deposit but actually a FEE, even though it is called a deposit, it was placed in the loan estimate under Origination Fee.

This is switch and bait tactic to lure me to pay the deposit which I thought is refundable. It is not. I want my money back.
I began aggressively disputing the below accounts since XX/XX/XXXX when I noticed they was charged off. <P/>1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX ( FOUR ACCOUNTS ) XXXX 5 ) XXXX XXXX XXXX ( been disputing since XX/XX/XXXX) XXXX My initial dispute online was I no longer had a valid contract with the companies and the accounts needed to be deleted because with the charge off the company had wrote off the debt and sold the debt to a 3rd party therefore it wasnt a valid contract with the them anymore and was legally now considered inaccurate reporting. <P/>In response the credit bureaus 1 ) told me the debt was valid, 2 ) reported it as fraud and 3 ) changed the status of the account from charged off and closed to charged off and open. None of which addressed my complaint. <P/>Because of their response, although neither of which was my complaint, I then sent TWO letters ( XXXX and XXXX XXXX ) asking for validation for the debt since they were stating it was a verified debt. <P/>What I received in response was a letter stating to call the company and a letter stating no changes would be made because they verified the account. I was even told my dispute was frivolous. Nonetheless, NO ONE FROM THE BUREAU HAS GIVEN ME PROOF WITH MY SIGNATURE THAT I OWED The DEBT NOR HAVE ANYONE BEEN ABLE TO JUSTIFY THE REPORTING OF AN ACCOUNT THAT DIDNT HAVE A VALID CONTRACT. <P/>FCRA rules states that it is the reporting agencies obligation to defend the accuracy of the information THEY are reporting. It is NOT the consumers obligation to call the creditors to figure out what is going on. Nor is it ethically moral to tell someone their inquiries are frivolous especially when I have legit concerns with the reporting of inaccurate information. I have sent in identity theft report ( as required by the bureau ), yet no one has deleted these accounts when I have proven they are not mine nor can a simple contract with my signature be given to me. <P/>Inaccurate reporting is occurring because : 1 ) Since the bureau assist on the validity of the account, the charged off account no longer has a valid contract and the credit bureau cant furnish evidence of such valid contract and it is 90 days into the investigation. 2 ) The original creditor has sold or transferred the debt to a collection agency, but a past due amount is still reporting, which is illegal according to FCRA rules. 3 ) The bureau claimed to have investigated the validity of the account ( something they initiated and I followed up on ), but have been unable to furnish undisputable evidence, with my written signature, of such validation and it is now 60 days into the investigation.
TODAYS DATE : XXXX/XXXX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT CAPITAL ONE BANK USA NA To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX 
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
On XXXX, XXXX, XXXX, an account with XXXX XXXX with a collection agency of XXXX XXXX XXXX for the amount of {$190.00} was placed into collections on XXXX, XXXX, XXXX. Account was paid directly to XXXX XXXX on XXXX/XXXX/XXXX and was advised that a supervisor with XXXX XXXX had emailed the collection agency of XXXX XXXX XXXX to delete the account from my credit report. However, on XXXX/XXXX/XXXX, I was advised by the collection agency that no information was submitted from XXXX XXXXXXXX and that account will remain on my credit report until notification from XXXX  XXXX stating account has been paid in full. I then requested for fax number to fax in proof of receipt provided by XXXX  XXXX stating that account had been paid in full. At this time, I was informed by the male customer service rep that receipt would not be accepted due to not being provided from XXXX  XXXX directly. On XXXX/XXXX/XXXX, I spoke with a supervior at XXXX  XXXX who advised me that communication was previously sent on XXXX/XXXX/XXXX and that I will need to wait 4-5 business days for account be deleted with collection agency. I was advised to file a dispute with the collection agency due to account being reported incorrectly with XXXX. However, XXXX  states that collection account was verified as correct reporting as of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I spoke with XXXX XXXX XXXX and advised the represtative again that account has been paid in full to the original creditor. Rep again states that no information has been received from XXXX XXXX concerning account being paid, at which point I stated that I have proof from XXXX XXXXXXXX that account was paid in full on XXXX/XXXX/XXXX. Rep advised me to upload documentation to their website but now states that receipt has to verified by orginial creditor of XXXX  XXXX and is refusing to delete account from my credit report, although, they have documentation that account has been paid in full. This is negatively impacting my credit and is delaying my purchasing of a home.
My husband and I have had a loan with chase for about 6 years. Over this time there has been times we could not make our payments. This last time they had us re-finance. We were not told there would be a {$9000.00} addition to our note. XX/XX/XXXX my principal balance was XXXX. When we requested the pay off amount XX/XX/XXXX it was $ XXXX..We have recently sold the house. When I called Chase to give them our new mailing address for the escrow I was informed there was n't any funds in the account & that I owed them {$8.00}. Even though on my statement from them for XX/XX/XXXX I show a total of XXXX They said they paid my homeowners insurance which was {$2100.00}. Now I can do the math and the math does n't add up. I have been requesting all the documents from Chase & they will not send me what I am asking for. Now when I go in online I get a error message. I have attached all the info to prove there is wrong doing & Fraud on Chase 's part. I can send you more info if you 'd like. No one can seem to answer any of my questions when I call & trying to get help is unheard of.
Unauthorized and unrecognized transactions appear on my Chase credit card. Phone calls with customer service representatives and attempts to use online fraud reporting tool have not resolved disputed transactions.
RE : Case XXXX XXXX I paid for a website to be developed on XXXX/XXXX/XXXX. By XXXX/XXXX/XXXX, the work was not done and I requested a refund [ per their 100 % money back guarantee ]. Although I requested for the site to be closed, the company insisted on working on it. I 've attempted to cancel many times, and they still have not refunded my money. I realized that no matter how many times I 've requested, the company would not refund me my money. I contacted the bank on XXXX/XXXX/XXXX to reverse/dispute the charge and put the money back to my account. then the bank to receive my money, and I have not been successful. The company is clearly a fraud and scam. I sent back the dispute forms on XXXX/XXXX/XXXX and the bank claimed that they did not received them so I resent the documents on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I went into my bank to inquire as to the case status and I have not heard or received my money back as yet.
On XX/XX/XXXX, someone accessed my PayPal account, attached a credit card to my account and withdrew {$500.00} and {$220.00}. 

I have notifications turned on and was informed of the transactions when I awoke. i called PayPal ( I was in XXXX XXXX at the time ). They activated their process on XX/XX/XXXX, and sent me an email with the following information. 
-- -- -- -- -- -- -- -- -- -- -- Transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : {$500.00} USD Recipient email : .. 
Transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : {$220.00} USD Recipient email : .. 
If we confirm the transaction ( s ) were unauthorized, we 'll refund you the full amount. Well also reverse any unauthorized activity or assist you in restoring your account. 
-- -- -- -- -- -- -- -- -- -- -- On XX/XX/XXXX, they sent me an email " Case update : XXXX '' stating Hello XXXX XXXX, We 've determined the payment ( s ) in question were unauthorized and have refunded the full amount. 

Here are the transaction details : Date : XX/XX/XXXX Transaction amount : {$500.00} USD Date : XX/XX/XXXX Transaction amount : {$220.00} USD On XX/XX/XXXX I inquired about when the funds would be restored to my account and they replied ( vaguely ) the next day. 
-- -- -- -- -- -- - We 've sent you a reply to your inquiry This reply can be found in your Secure Message Center Visit the Secure Message Center -- -- -- -- -- -- -- - The reply was a generic 'when you 're due a refund ' message that outlined that it took various amounts of time to get funds ( back ). 

It is now XX/XX/XXXX and they still have not restored the {$720.00} to my account.
I am unaware of any possible reason why someone who attempt to collect $ XXXX+ dollars from me from a different state.
I the Consumer file this Affidavit and Notice of Complaint with the Consumer Financial Protection Bureau for the matters set-forth herein. After requesting EXPERIAN to remove negative credit reporting activities of XXXX XXXX, the consumer was denied remedy to a complete and accurate investigation in regards to the removal of the items/accounts on his Credit Report. 

There are issues where the credit bureau EXPERIAN has denied the consumer remedy and a review of ALL proof of claims ( documented information provided by XXXX XXXX ) subject to public access. I, the consumer, offer this affidavit to EXPERIAN for the refusal to remove negative items/accounts from the consumer 's credit files, despite the consumer 's request and for failure to verify to the consumer any disclosed information in regards to the accounts being reported.
Hi my names is XXXX XXXX and I 'm very upset with regional acceptance corporation it has over charged me from the beginning of and has n't fixed the problem my payments have XXXX but i was told that my payments would be XXXX and it has n't been no where close to this the car has a warranty but they charged me for another warranty that i did n't need among other things i was promised that i would get my spear tire but i still do n't have one and i need that cause i attend college and you never know what will happen i want my payments to be reasonable like i was told when i purchased the car also they applied Gap insurance on my car with my knowledge
I have been a XXXX XXXX prepaid card customer since XX/XX/2015. The card was issued by XXXX, XXXX and serviced by XXXX XXXX, XXXX, XXXX. 
On XXXX XXXX 2015, I called customer service to request to close my XXXX XXXX prepaid card and get a refund for my balance. I spoke to XXXX in the risk management department, he asked me to send the following documents via email to XXXXXXXXXXXX : photo of front and back of my XXXX prepaid card ; photo of my Driver 's license ; photo of my social security card ; photo of a recent utility bill showing my name and address ; photo of me holding my driver 's license ( similar to a mug shot ). 

I complied his request and send the documents via email. On XXXX XXXX, XXXX called me again. After asking a series of questions from my credit report to verify my identity, he requested further documents, including the store receipts for the last XXXX XXXX packs I used to add funds to my account. I could not provide these documents because I threw them away after using the XXXX packs. XXXX said he could not issue me the refund without the documents. 

Per the cardholder agreement, 'In the event that your Card Account is cancelled, closed, or terminated for any reason and you have registered your Card with your personal information, you may request the unused balance to be returned to you via a check to the mailing address we have in our records. There is a fee for this service. See the fee schedule above. We reserve the right to refuse to return an unused balance if the balance is less than the fee for sending a check. 'They already have enough information to verify my identity. It is a violation of the term to request so much more documentation just to process my refund. And quite frankly, it 's ridiculous that I have to send in a 'selfie ' with my driver 's license in my hand. 

Please help me get my refund! Thanks!
XXXX XXXX closed my XXXX XXXX XXXX credit card without notice and without cause. I have been making my payments on time for the last 6 months and currently have a balance. There should be no reason why my card was closed.