WillisBack/dataset-financial-user-claim huggingface dataset:
Recieved a statement in mail from Convergent Outsourcing Inc in XXXX, WA. Claimed owed {$200.00} to XXXX but would settle the debt for {$70.00}. Provided method of payments including giving them your credit card info. We are long time XXXX customers in good standing. Called XXXX to verify we owed nothing and that they had never contacted a debt collection company. Went online and this company has XXXX complaints similar to ours with the XXXX. Total scam.
XXXX hired Financial Asset Management Systems ( " FAMS '' ) to collect on a student loan. Under Consumer Financial Protection Bureau ( " CFPB '' ) complaint number XXXX, FAMS stated that they did not contact me after XXXX XXXX, 2015, which was a flagrant lie and a flagrant violation of the Fair Debt ColIections Practices Act. I have attached a letter from FAMS where they confirmed they tried to call me on XXXX XXXX, 2015, even though they had received a written cease and desist letter from me in XXXX 2015 and another one in XXXX 2015. Both of which were logged in the CFPB complaint system and were in writing. In addition, FAMS again lied under complaint number XXXX, where they stated they had n't contacted me after XXXX 2015, which was another lie, as I have the phone records of FAMS calling me on XXXX XXXX, 2015, in addition to FAMS ' own written confirmation that they contacted me on XXXX XXXX, 2015. FAMS is engaging in deceptive debt collection practices, and their frequent misrepresentations are flagrant violations of the Fair Debt Collections Practices Act. In addition, their contact and their harassment after I had sent them written cease and desist letters has caused me severe emotional distress and health related issues.
Last XX/XX/2018, I sent this credit repository a letter via fax requesting the XXXXXXXX XXXX account ref # XXXX to be removed and blocked from my credit report pursuant to FCRA 605B. Pursuant to FCRA 605B a reported fraudulent account MUST be removed from a consumer 's credit report within 4 business days. Attached to this complaint is a copy of my Police Report and FTC ID theft report and copy of the letter faxed to this credit bureau.
Received a voice mail at my place of employment from ( XXXX ) XXXX on XXXX XXXX, 2015 at XXXX. Message was " This is XXXX XXXX ( Spelling? ) you were listed as a contact for XXXX XXXX. If you can give me a call back my number is ( XXXX ) XXXX. First of all XXXX XXXX is my ex-sister-in-law going back XXXX years ago. Second of all she never listed me as a contact and doesnt even know my work number. I called this number back and advised them to never call my employer again and told them I am not affiliated with XXXX XXXX. I did private message her on XXXX to advise her of this call and she was going to call them. How dare they call me about someone else 's debt. How dare they call my phone at work. They lied when they said she listed me as a contact. She never did. We have no contact outside of the private message I sent her about this call.
RE ACCOUNT # XXXX CLIENT REFERENCE : # SAME COLLECTIONS ACCOUNT # XXXX XXXX CONTINUE TO GET OUTSTANDING BILLS FROM \XXXX XXXX XXXX. WHEN I SIGNED UP IT WAS ONLY A MONTH PROMOTION FOR XXXX A WEEK. I HAVE CALLED TO CANCEL AND CANCEL AND I STILL GET BILLS. NOW I AM IN COLLECTIONS SO I AM VERY UPSET.
I became aware of this debt in XXXX, XXXX and I disputed it. I also filed complaints with the FTC and XXXX. I believe this account may be the result of identity theft. I have taken proper precautions to protect my identity. In my research I also found that the collection agency, Ad Astra Recovery Services, is in violation of the Texas Debt Collection Act by trying to collect and reporting this debt to the credit bureaus since they claim this debt was incurred in XXXX. This is yet another reason I am requesting this be removed immediately from my credit.
Citi refuses to close my credit card account. I requested closure by both phone and in writing online.
XXXX XXXX is an account that is on my credit report and is not mine. I dont feel Ive gotten a proper investigation and cant get a good reinvestigation of this item.
Hello, Upon my annual renewal of my income based repayment plan, Navient denied my renewal saying I hadn't made three consecutive payments under the prior income based amount. In the past 12 months, I had made XXXX consecutive timely payments under the old plan amount and had 6 months forbearance. When forbearance ended, Navient kicked me out of my income based plan into a standard repayment plan. I called a representative, who admitted that was incorrect and placed me back into the income based plan. When logging in to pay my next amount due under the income based plan ( and I believe the new amount is being computed incorrectly, but that's not at issue right now ), I learned that they did not remove approximately {$59000.00} in capitalized interest that they added to principal when my loan entered into the standard repayment plan. I emailed Navient about this and received a response in XX/XX/2018 that the capitalized interest is unable to be removed and " there was a gap in your enrollement in the Income-Based Repayment Plan and this caused the accrued interest to capitalize ... '' I called to speak with a customer service representative today ( XX/XX/2018 ), and she insisted that the interest capitalized because I left the 6 months forbearance. I informed her that this is an excessive amount of interest for 6 months of forbearance and I've never had an issue like this coming out of other forbearance periods. She said it's in the terms that they are allowed to capitalize interest, and I agree that the interest that accrues over the time of the forebearance period may be capitalized. However, capitalizing the entire amount of interest that accrues over the life of the loan that is in the Income Based Repayment Plan is completely against the purpose of these repayment plans. Despite reiterating I have in writing that the interest was capitalized because of the gap in the Income Based Plan ( which was their fault ) and that $ XXXX in interest is excessive for 6 months of forbearance, she insisted that was in accordance with the forbearance terms. Now I have conflicting excuses from Navient on this capitalized interest, a higher payment amount, and even more interest accruing on this capitalized interest. If they can kick me out of my Income Based Plan and capitalize interest on a whim, I'm also worried they may restart my number of payments under the plan on a whim as well.
Trans Union is  showing that I have an adverse account with   XXXX   XXXX   XXXX  . The original account was with   XXXX   XXXX   XXXX  . I have submitted a dispute with  Trans Union sta ting that this account was included in my bankruptcy. I have uploaded the supporting document  XXXX  showing that the   XXXX   XXXX   XXXX   account indeed was on my bankruptcy. They came back stating the information on my credit report is accurate. It is not.
CLAIMID : XXXX XXXX claims reversed from XXXX for transactions that were not made by me Claims support agents were extremeley unhelpful and unwilling to cooperate and help out a I did not make either of these XXXX transactions I remember that day clearly I started off my day at XXXX and seem to have misplaced my card after that so yet again I was not at XXXX XXXX in the day in question CHASE EXTREMELY UNHELPFUL!!! UNHAPPY WITH THERE SERVICE
Hello Im XXXX, i am XXXX years old. I am a hard working person, a very good person, I am very kind hearted, easy target for scams. I didnt realize I was involved in one.

One guy was willing to pay me for a beat I make, but I didnt know he would put more than the amount he was suppose to give me. It was around 4,100 $ I deposited. What I realize that he wrote a big check so that he can cash it in the next day, and I would owe the money i would take out for him, please help me, Wells Fargo Said they would close my bank account. But Im innocent. I didnt know until a week Ago I think, thats why I stopped touching the money when I realized because I wasnt sure. Please understand. Wells Fargo is not cooperating with me. I cant Even email them. I cant let them close My account, and If nothing is done i Wont be able To Open another bank account .i am a good person, My credit score is good, I need this, Im trying to move out and this will Affect my life. I think this happen to because I lots of overdrafts but sometimes you just got ta give people a chance. I am young and this world is cruel, it could of been worse, if it wasnt for the check held I would of lost thousands of dollars, thanks Wells Fargo For saving me, but they have to give me a Chance
XXXX XXXX and XXXX XXXX are both trying to collect on a debt I do not owe on XXXX. Not only is this debt not mine, They are in clear violation of the FCRA for DOUBLE REPORTING.
I got an automated message asking me to call XXXX. When i called the number a gentleman asked me for my number. I asked him who I was contacting and he said United Recovery Solutions. I asked him what they do and he said Collections. I gave him my number and he said it was in regards to an account with XXXX. I asked him how old the debt was and he said 6 years. I knew that debt was more than 12 years old so I informed him that that debt was more than 10 years old. The gentleman started calling me a bad father and a " XXXX '' for hiding behind the statue of limitations and said he will call me constantly about this debt because I ca n't stop him. Is this a violation of the FDCPA?
I was attempting to purchase tickets through XXXX. I am only XXXX and just opened account with Wells Fargo. I have never used XXXX and thought that it should be safe since it is on my Wells Fargo app and the bank must trust them. I did log in and transfered {$70.00} which I had in my account at the time. The app told me that it did NOT go through and to try again later. I went through the process again and it actually took both times. Wells Fargo allowed the transaction to post twice at {$70.00} and charged me an Overdraft charge of {$12.00}. I am out {$140.00} and of course I did not receive tickets and the phone number to the person that I thought would be giving me concert tickets is rejecting my calls. The only information I have on the recipient was a phone number and an email address. On my bank statement it shows the name XXXX XXXX. I went to my bank within 30 minutes and no one was able to help me. I have also sent numerous emails to XXXX complaining about this fraud and what happened to me. Neither XXXX nor Wells Fargo is willing to help me. I just started working this summer and am trying to save money for college. I can not afford to lose this much money. I asked Wells Fargo if they could help me with one of the {$70.00} charges but they said they are not able to help me. I hope you can help me with this situation. I would be happy if Wells Fargo would at the least refund me one charge of {$70.00}. I am really upset and have learned my lesson on not trusting anyone and to especially not deal with online sites that you do not know. I really thought that they would be reputable since Wells Fargo trusts them to be on their website and peoples accounts.
I was informed that I was being sued by a company by way of checking my public record, which I do often to ensure its accurate. I believe it may be from an old debt but I am not 100 % certain. I am now in the process of also working on getting a validation letter.
Under 1693c - ( b ) Notification of changes to consumer A financial institution shall notify a consumer in writing at least twenty-one days prior to the effective date of any change in any term or condition of the consumer 's account required to be disclosed under subsection ( a ) if such change would result in greater cost or liability for such consumer or decreased access to the consumer 's account. <P/>USAA restricted my account access only to shortly close my checking account with no notice and without detailed explanation. I have been unable to make electronic transfers to remove my funds, or even see my balance due to their actions. I 've requested documentation but have n't even so much as received a statement. Therefore, USAA is knowingly in violation of this Consumer Protection Law
I have been a Chase Credit Card customer for XXXX and the former XXXX airlines miles club for over 10-years. On XXXX XXXX, XXXX my credit card valid through XXXX XXXX because I pay a yearly fee ceased to be accepted by at point of sale companies. I called Chase and they stated that they stopped accepting the credit card because I had not used a chip enabled card since XXXX XXXX. I stated that I had not received it and through exchange with the Chase, the chip enabled credit card was never in use. Chase stated that they have to send me a new chip enabled credit card with different account numbers. I stated to chip enable a credit card with my current account as I have all my utilities and banking transactions based on this card and to reactivate my old card ( re issue ) as the previous chip card was not used.
FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX 2. XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX 3.  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX 6. XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX 8. XXXX XXXX XXXX XXXX XXXX FL XXXX SOCIAL SECURITY NUMBER VARIATIONS : 1. XXXX
I have run into a financial situation. I 've contacted the company and told them once I get my income tax I would payoff the loan and please DO NOT call my job or personal phone anymore. They continue to call my job putting me at risk of losing it. As of today X/XX/2017 I want Liberty loan to stop calling and harrassing me about the money owed to them.
A new collection account has appeared on my credit from Midwest Recovery Systems. The original credit listed is XXXX XXXX XXXX. I have never received any type of money or monetary benefit from XXXX XXXX XXXX, i don't know the original creditor, have never tried to obtain anything from the original creditor, never had any funds from them. I have recently been a victim of identity theft when my wallet was stolen about a year ago. I want these cowards to take this XXXX off of my credit report because its not mine.
For the last several months I have requested a mortgage assistance package from Bank of America. Each time I request a package, the representative promises to mail it. Each time it never arrives. I do receive from Bank of America collection notices and other bills, but is n't if funny - the XXXX thing they will not send me is a mortgage assistance package. I am behind on my mortgage payment. By their actions, Bank of America prefers to profit from foreclosure instead of offering mortgage assistance.
I have been attending XXXX University XXXX XXXX Georgia since XXXX, and I have been having issues with the financial aid services at this particular school. When I first started the college, I was told that I would be enrolled they were charging me around XXXX every five weeks class, so when it was time for the money to be released to the college and myself, I notice things started changing. I called and they would give me an excuse about, that I didnt have all my paper work in in time so they could n't give me the remaining funds. I as was the money returned to my lender and they said that it would be used on the next quarter, but when the next quarter came, I never saw the funds and it was no longer on my account balance in the positive. I called the XXXX XXXX and asked them about it but they had no documentation showing where they sent the money back to them and this has happen a few time since I have attended XXXX University. I went and read some complaints about the college of some students who were having the same problem as well. When I contacted fasfa to ask them about how much money was given to the college, it was not adding up, so when I asked my financial counselor about it, she asked me did I receive a amount for {$1500.00} and I told her no, so she got really quite and changed the subject. I was wanting someone to check into this because I believe that they are keeping a lot of the money and that scares me because I do n't want the money that I have to pay back to be misused by a college or them robbing me blind. I thank you for your time.
Okay, so I am getting  XXXX  tired of dealing with this. I filed a complaint  XXXX  after NUMEROUS attempts to get it resolved directly with the mortgage company. After having the complaint forwarded to them from you, they finally figured out they were wrong the entire time. They admitted as much in the complaint and agreed to start reporting this m onth (  XXXX  2017  ). Here is the problem, you guys just closed the complaint without asking me if it was resolved, which its not. Here 's why- I should several years of on time payments reported with this account which would significantly improve my  credit score by increasing the average length of credit accounts, and % of on time payments. So the issue is still not resolved, and i 'm trying to figure out why nobody consulted me before closing it.
So for the third time my father who has the same name as me reported his debt collection on XX/XX/2018. The creditor is XXXX XXXX. I've disputed this twice already in the past months. I am XXXX years old and still live with my mom. The electricity is in her name. So nothing for XXXX XXXX is in my name. He knows my information such as social and address so I know its him as he previously done this already. We also have the same name so that is exactly why this is repetitive. Please help
There was unauthorized purchase on XXXX XXXX $ for XXXX XXXX XXXX sim card. Bank of America did n't start investigation after my dispute 2 months. After I called and ask for actual check they started investigation and completed in 1 day and declined it without investigation. When I called them they even could n't provide me a reason. I called to Bank of America 4 times after that and they just ignoring.
I used Experian 's website to receive a credit report for {$1.00}, but my credit card has now been charged for XXXX months of Experian 's services at {$21.00} per month. I never agreed to obtain a " membership '' to Experian or to pay a monthly service fee for that membership ; I never received any communication from Experian to inform me I would be enrolled as a " member '' and that I should expect to pay a monthly fee of {$21.00} ; and I never saw any information about these pending charges on the Experian website when I obtained my {$1.00} credit report. When I spoke to someone at Experian, she stated that she can only refund my credit card for one month of the billing.
reviewing my credit report I noticed that there were many errors in the same one that is affecting me. Several names, open accounts that I do not know, requests for credit cards without my consent, hard consultations and soft consultations. For these reasons I was denied the opening of a business account.
COMENITY BANK/VCTRSS ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you COMENITY BANK/VCTRSS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : COMENITY BANK/VCTRSS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
SECOND NOTICE to comply with my legal request in which Portfolio Recovery refuse to submit the documents to me I requested. Portfolio recovery states the application was electronically submitted please show a photo of it and a IP address to verify that its accurate { thats false }. I have not received confirmation on how you have verified the alleged account attached in Exhibit C and therefore request that you consider this a second notice to your office .The CFPB will have authenticated sworn testimony from my end which I will use to present in court as needed as evidence of my trying to rectify the subterfuge that you are reporting .I have not received confirmation nor certified testimony that your office complied with the FCRA and all it's mandated rules when it comes to reporting accurately under the law.Therefore you are to presentto me with certification in testimony that the alleged account presented in Exhibit C are in fact in complaint and not subterfuge?
I am a card holder for " RUSHCARD '' and for 10 days i have not been able to access my account due to a programming switch glitch within the company. Not only myself but XXXX of other card holders are suffering due to this situation. We all have payroll checks Goverment checks posting to that card. the bank that Rushcard is affiliated with is XXXX. Now my XXXX payroll check will be deposited on my Rushcard account tomorrow and i still can not access. This has been going on since XX/XX/XXXX. 
As it stands i can not pay my bills all services are on final notice and can not pay rent so my housing is on the line. My job is on the line cause i can not drive to work nor pay anyone cause i have no access to my funds. Can not purchase groceries i work everyday for minimum wage in the State of Connecticut and i am not really making the bills now. i have moved 3 times this year cause of financial issues and now to have my pay check just taken from me is more than i can bare. i am a XXXX mother of XXXX it was XXXX children but XXXX are grown and have families of there own.But i still have XXXX that i have to take care of and XXXX is XXXX. i have been a member since XX/XX/XXXX and never encountered anything like this. I call i go through the automated and get transferred to customer service just to get hung up on. i have called over 30 times in the past 2 weeks and end up with the same result Nothing. No Explaination no Compensation for the hardships that we all as cardholders are enduring at this time. We are loosing everything and nothing is being done.