WillisBack/dataset-financial-user-claim huggingface dataset:
Its a small amount but it 's affecting me big.In the past I did n't understand the importance of having a bank account which lead me to get into debt. i learned and Wellsfargo gave me a second chance account a strict account with very few capabilities ie, no ATM deposit, no daily withdrawal limit at {$200.00}, ECT. Over time slowly gained more capabilities 3yrs not onevOver draft then out of the blue I have an overdraft of {$350.00} dollars. And I had overdraft protection on my account I can track spending step by step but the bank is telling me that funds were n't there or I spent funds before they got deposited impossible and if I 'm paying a monthly service fee of {$10.00} how was transactios approved then they tried to tell me I never had but that was one of the stipulations of having a opportunity account then they said it got taken away when I became eligible for standard checking and savings account never notified bout this deletion of service.do now I do n't have an account and I owe the bank for money that I actually had in the bank. 
I do n't have bank statement or access to obtain online but it was s joint account other applicant was XXXX XXXX
I believe am being excessive and illegal charged interest and fees on medical bills. Medical bills are n't liquidated debts and there was no specific implied agreement expressing authorizing rates of interest. Requesting an itemized statement of fees and interest being charged and dates of when they were charged. A copy of contract authorizing such fees and collection charges. The obligation to pay interest is not changed by the debt being assigned to a collection agency. If a collection agency does demand and collect interest, it should be shown as a separate amount from the principle when it is first demanded from the consumer. The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Never did the collection agency inform me of the interest being charged or at what rate in written. They just started to apply it at their own interest rate to the original debt. Interest wasnt applied to any of this account until two years after being placed in collection by Grant Mercantile agency, when I began to dispute accounts. As of XX/XX/XXXX, account opened XX/XX/XXXX balance was {$2200.00}. By XX/XX/XXXX the balanced jumped to {$2400.00}. This was less than two months of interest that had been add to each of these accounts. As of XX/XX/XXXX, account opened XX/XX/XXXX balance was {$870.00}. By XX/XX/XXXX the balanced jumped to {$940.00}. As of XX/XX/XXXX, account opened XX/XX/XXXX balance was {$1500.00}. By XX/XX/XXXX the balanced jumped to {$1600.00} ( proof attached ). Congress passed a bill that only non-private hospitals can charge interest on a hospital bill, because it an unliquidated debt. XXXX XXXX XXXX XXXX is a private hospital. Never did the collection agency inform me of the interest being charged or at what rate in written at any time. Your company just started to apply it at their own interest rate to the principal of the debt. I received letter sent from your company dated XX/XX/XXXX. Referencing account # XXXX in total amount of {$2800.00}. Principal {$1800.00} and interest {$960.00}. You sent verification of debt, that was n't requested.
I ordered somethings from abroad and they were delivered by XXXX. Later they sent a letter saying that i had to pay a duty of {$20.00}. As i was abroad, i returned and sent them a check already on XX/XX/XXXX ( Using first class mail ). Later I saw that, on XX/XX/XXXX, they cashed my check so I was quite.
Last Friday, XX/XX/XXXX, I received a letter from " Transworld Systems Inc '', says My Original Invoice was {$20.00} with a collection fee of {$2.00}, comes to a total of {$23.00} and that they are collecting on behalf of XXXX. As it was the weekend, I could n't call anyone to verify it. So i waited till Monday XX/XX/XXXX. I was about to check their website listed on the letter www.transworldpayments.com and saw that it was a fake website which was down. Later, I called XXXX and someone picked up and asked me for the File number ( XXXX ) and I gave it to her. Later she says I own them {$23.00} on behalf of XXXX and they are trying to collect. Her accent was clear that she was not from US so I asked, where is your office located so that i could XXXX, she is saying, in her exact words " Sorry, You ca n't ask our office address ''. When i asked why, she replied " Because I am a US Legal Citizen. '' Then I said I was asking for the address of her office, she said No she will not disclose it. When I asked to talk to a supervisor, she said, " you are wasting my time and hung up ''. 

Then immediately I called XXXX and asked them about my file ( Invoice No XXXX ) and they said that MY ACCOUNT WAS PAID IN FULL and I do n't owe them anything and they are NOT trying to collect anything. I was to have this on the record before they try to damage my credit.
On XX/XX/XXXX, I filed a dispute of a debt Cavalry Portfolio claims to own with XXXX, XXXX, and XXXX. ( see attached letter dated XX/XX/XXXX XXXX, XXXX and XXXX all forwarded the information to Cavalry Portfolio with a deadline to provide validation by XX/XX/XXXX. 

Also On XX/XX/XXXX, I requested Cavalry Portfolio to provide validation of a debt the claim they own I also requested XXXX to provide accounting of the amount they claim I owe to XXXX XXXX. ) On XXXX XXXX, XXXX XXXX XXXX claims to have mailed me proper validation.Yet they failed to provide a copy of those documents in their response. Making allegations or claims without providing documents of support does not hold any legal standing. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX ( a third party debt collector associated with Cavalry Portfolio ) requesting a settlement for the same XXXX XXXX debt of {$790.00}. This is the only correspondence I have received. 

Cavalry Portfolio never timely responded to my request and have provided no proof they have. 

I am requesting a copy of the letter Cavalry claims to have mailed me on XX/XX/XXXX and proof of mailing they actually sent this letter. 

On XX/XX/XXXX, I filed a Civil claim against Cavalry Portfolio. Since they thought I was bluffing and since it seems to be the only way to obtain unredacted records. 

Cavalry reported this debt to the CRAs with misleading information and deliberately left out crucial information with the intent to defraud. 

Cavalry Portfolio never provided the date of last activity for this account. Alternately Cavalry reports the DATE OPENED as XX/XX/XXXX. This misleads creditors and has a greater negative impact on my credit scores. Negative information has less impact of a consumers credit score as time passes. 

Additionally, Cavalry Portfolio themselves admit they did not buy this debt until XX/XX/XXXX. Therefore, by their own admittance, they reported inaccurate information to the credit bureaus and twice confirmed this information as accurate. This material fact alone is a cause for fines and damages. 

I dont even need to address other false information and violations committed by Cavalry. Instead I will wait for our court appearance and my amended complaint to address those.
numerous request validation letters to the creditors along with the credit bureaus to vadlaite this debt in fact belong to me! No one had responsed and given me any kind of information that states my signature or that I have a contract with the company. Under FCRA rules I have the right to request that information and after 30 days no response it 's must me deleted. SCA Collections has yet to furnish any proof that this debt is mine! I have also sent request to  XXXX  asking them to removed this from my credit my letter have been sent back to me I 've sent off twice. Within 30 days apart. I was told that I had to file an police report to have this removed off my credit. That does n't fit the rules and guidelines they have told me they verified the account but as of  XXXX   XXXX  I 've yet to see any documents regarding these claimed debts with  SCA collections inc one in the amount of {$180.00} SCA collection for the amount of {$85.00} SCA collections in the amount of  XXX
I accumulate points for every dollar I spend on the card, I am supposed to get a XXXX gift card at the end of every year. I have not received the gift card in a couple years and when I called in they could not locate an account even though I have a card, and receive statements every month.
Equifax cyberattack. " Based on the information provided, we believe that your personal information may have been impacted by this incident ''
Would not identify themselves with phone call at first. Threatened to sue me for illegal activities associated with taking out the loan because my bank account was closed, etc. I filed for ch XXXX bankruptcy and it has been discharged in XX/XX/XXXX. This debt is from XX/XX/XXXX I think & is included in ch XXXX. I phoned my attorney & asked them to send information to this collector to stop the harassment. They are calling me everyday.
I do not have a credit report on the credit bureau. I do not have a credit score and I have a mortgage that is not listed on my credit report, but is on my son 's. My house was purchased in XXXX and his house was n't purchased until XXXX.
I received and email alert from XXXX XXXX, stating there were changes in my credit report, when I checked there is a collection from Midwest Recovery Systems for XXXX XXXX for {$630.00}. I do not have any knowledge of this debt nor have I received any communication by phone nor written from these people letting me know anything nor validation of debt. I demand this item to be removed from my credit report since they violated the FCRP by not notifying me of this debt nor proof of validation, and completely be removed. I have also filed a dispute with the credit report company.
Experian refused to validate and verify a debt that is listed on my credit report according to law under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), Fair Credit Reporting Act 15 U.S.C. 168, and Foreign Corrupt Practices Act. This office refused to provide competent evidence that I had any legal obligation to pay the listed company above and had the authorization under 12 U.S.C. 2605 ( e ), 15 USC 1692 ( e ), and 15 USC 1692 ( f ) in this alleged matter.
I have my account setup on auto-pay for the entire bill amount. I have several emails from the Exchange Credit Program going back many months saying my payment has posted without issues. I got a letter from them on XXXX XXXX XXXX claiming they had not received a payment in XXXX months and that my account was about to go into collections. After this I tried logging-in to their system to make a payment and was repeatedly told that my information was not in their system. Today, XXXX XXXX XXXX, a payment was made without my notification for the total amount of {$1200.00} owed. Although I had intended to pay the debt, I had not intended to pay the entire debt as this puts me in a financially precarious situation where I will be strained for the rest of the month, and likely the next month or two. 

I am complaining in the manner that this debt was handled, without my knowledge or consent. If their system could suddenly pay the debt, why could they not collect for the last two months? If their system could not collect the debt, why were they telling me that the payment posted? 

Thank you for your looking into this matter
Repetitive unauthorized charges to credit card account - when I call the business ( XXXX ) they argue with me and say that my wife authorized the charges when she charged a rental car from XXXX XXXX XXXX XXXX on our credit card account -we have the rental car statement printout and there is no such charge reflected. XXXX will agree initially to " cancel the membership '' PROSPECTIVELY - but not give a credit for the unauthorized charge. When I press the matter ( XXXX ) about this being a fraudulent, unauthorized charge ( and threaten to contact the FTC or file a class action lawsuit ) - they agree to issue a credit. This has happened repetitively. This is scam. The FTC or someone in the U S Government needs to investigate XXXX XXXX XXXX XXXX and/or " XXXX Shopper ''. Someone similarly situated to me who is not a lawyer and who is not versed in their legal rights would probably not receive a credit.
This is the 5th collection agency that was contracted by XXXX to attempt to collect.Please see attached letter from AFNI, all 4 of the previous collection agencies were never able to verify the debt. Please refer to my original complaint XXXX XXXX That was the 1st three, than the 4th, XXXX XXXX see complaint number XXXX.
I have several inquiries on my credit report with both Equifax and XXXX that i did not authorize. I have sent letters to them and faxes disputing these inquiries and was told to contact the companies. When I called the companies they told me that it was up to the credit bureause to remove the unauthorized inquiries. I then contacted the credit bureaus again and then was sent a letter from both of them stating the same thing which is ( Please note your specific consent to the release of your credit information is not necessary for a permissable purpose to exist. ) These are hard inquiries which lower my credit score. And if I dont have to give my permission then why are inquiries even a contribution to any part of a credit score. I did not authorize any of the inquiries listed below. 

Equifax : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX & XX/XX/XXXX, XXXX XXXX/XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX  XX/XX/XXXX. 

XXXX : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I did not authorize these inquiries with any of the above listed companies on or around these dates. 
Thank You for your time.
I was called on my cell phone by a man name XXXX XXXX, i was then transferred to a man named XXXX XXXX from credit card services. from there we called XXXX of my credit card companies to ask for a lower interest rate. they prompted me that I would owe XXXX $ and were aggressive in telling me i could not get off the phone or they would charge me. they had all my credit card information and last XXXX digits of my social and my cell phone number. it was a very bad experience. i was transferred to the supervisor after i said i did not want to continue. his name was XXXX XXXX. the number they gave me was XXXX, ext, XXXX.
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the amount of {$120.00} was withdrawn from my Chase checking account using my debit card information. The total of the three transactions is {$370.00}. The transactions were paid via XXXX to three different people for Professional Services. I contacted the bank on XX/XX/XXXX to report the transactions as being fraudulent. The bank let me know on XX/XX/XXXX that the charges did not require any correction and they would let them go through the bank. I contacted XXXX and discovered an account in my name, but with an email address I am not associated with, was used to complete the transactions. The account was put on hold. I have been in contact with both XXXX and with Chase on multiple occasions to try and resolve this. They have each said it was the other 's responsibility to refund the money to me. They acknowledge the XXXX account was illegitimate. Today XX/XX/XXXX, I had a conference call with both of them. There is nothing they can do. They suggested I contact the recipients of the money to see if I could get a resolution.
Complaint Details I was looking on XXXX for an apartment. Someone named XXXX had her own place for rent while she was 'out of town ' and 'sick. ' She was also telling me she 's in XXXX XXXX. So I never met her or took a tour of the place. She put it up for rent on XXXX and they said they would mail me the key once I transferred the security deposit ( {$800.00} ) and the first month of rent ( {$1000.00} ) to the bank in XXXX. I never got the key. Their email is XXXXXXXXXXXX. I think maybe XXXX stole my money too, her number is ( XXXX ) XXXX. Her email is XXXXXXXXXXXX. The address to this apartment is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX asked me for more money to pay her ER bill, I just said no I do n't want the apartment, so they said they would refund me and never did. I went to Wells Fargo to send them a request to give me back the money, and it turns out XXXX closed the account and have stolen the {$1800.00}. I 've contacted XXXX customer service, the police, XXXX, my bank, XXXX, XXXX and noone can help me. I did file a business dispute with them but I do n't know if that 'll work either
When ordering my free annual credit report from XXXX, XXXX and Experian, Experian has consistently not given me online access after I have given all my correct personal information AND correctly answered all their " security questions. They state because of " security issues '' that they have to mail me a " secret number '' and then I will be able to come back to their site and view my report. NONE of the other credit bureaus do this to me. Experian has CONSISTENTLY made it difficult for me to obtain my free annual report for over ten years! Sometimes even requesting phone numbers from 20 years ago to verify my identity. I am XXXX years old and can hardly remember a phone number from last year much less 20 years ago. I am be harassed!
Hello, this form is to complain about XXXX Lending located on XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX. My lender at the time XXXX XXXX was the one helping me with my loan. To finally own my rental. He did everything to help me get to closing. I provided everything. But since I am self employed, apparently i needed a CPA to sign off on my Profit and Loss. My tax preparer was not enough. Even though she wrote a letter approving my P & L The branch manager XXXX XXXX took it upon him self to get a CPA that worked in the same building to review my documents on XX/XX/XXXX. I drove over an hour and missed work in order to make it to my appointment at XXXX.That CPA cancelled last minute. So I was stuck waiting in the office to see what else to do. XXXX decided to call his friend he said is a CPA, XXXX XXXX. After sharing sensitive documents to her. She signed off on my Profit and Loss sheet And gave it to XXXX XXXX the non producing manager in the same office. XXXX had me pay out of pocket {$160.00}. At the time XXXX XXXX did not show proof of CPA verification and said she would email it. 2 days went by and we found out XXXX hired an impostor to whom I shared sensitive information. I have been through emotional and financial distress. I've missed 3 closing dates. Because of their lack of honesty, organization, and malpractice. XXXX XXXX owes me {$400.00} total, for the loss of work, gas, lunch, {$160.00} for the fake CPA. I complained to XXXX XXXX XXXX on Friday XX/XX/XXXX after a phone call confrontation I had with XXXX about what he did. XXXX XXXX gave me the owners information. So on XX/XX/XXXX I sent XXXX XXXX XXXX a detailed email about the situation I've been dealing with this since XXXX. He totally ignored it and never reached out to me. No apologies, no updates. Instead he reached to the other manager to clean up the mess. I finally got tired of all the games. And insulting my intelligence. I hired a different lender XXXX XXXX XXXX, has been very kind, and upfront. Very professional. He requested the transfer of my file which I gave permission from XXXX and that never happened. Now that my documents are with my processor. They need more documents from XXXX in order to submit to Under Writer so I can finally go to closing. But they are not complying. And it's frustrating. I wanted to reach to you guys before taking legal actions with my Lawyer. This has been a Malpractice for hiring an impostor to whom I shared private information. I've been financially compromised and misled. I've been through Emotional and finacial distress. They have tried to outwit me. This is not fair. I want things done the legal way. I've done everything in my power to qualify for an FHA loan, which was a success. Please help me do justice.
On XX/XX/XXXX I went into the XXXX in XXXX Ca and dealt with XXXX a XXXX XXXX salesperson and I clearly told XXXX that I would consider getting their services if I was able not to use my social security as I did not wanted a credit score pulled and he said " Do not worry, all I need is your home address and telephone number '' and I asked again " are you sure? ", he replied " Yes, we do not need your social security number ''. On XX/XX/XXXX XXXX XXXX send me an alert the XXXX XXXX XXXX had done a hard inquiry on my FICO through Equifax, I immediately disputed that fraudulent inquiry with Equifax and a few days later with XXXX XXXX XXXX as well. I believe that on the XX/XX/XXXX or XX/XX/XXXX I also spoke to an XXXX XXXX XXXX supervisor detailing the conversation I had with their sales rep at XXXX and that they needed to remove their fraudulent inquiry immediately! so far, I have not succeeded or have gotten that inquiry removed and my FICO has dropped about 21-23 points over that incident. Please help me!!
Over the last 6 months have been trying to get XXXX XXXX to correct the information they are displaying on my credit report. They are stating XXXX is the loan servicer, XXXX is listed on the credit account. Now, This has been transferred to a government entity and payments are current! If was suppose to pay XXXX or XXXX then how do I suppose to pay them???? <P/>Please provide detailed information on how this investigation was conducted with the following : 1. Names of people conducted investigation for the information displayed on my credit report 2.  Dates, times, and e-mails when these conversations has taken place? <P/>3. Last date of activity for this account? Which is not displayed on the credit report why?? <P/>4. Explanation on how to can you " MARK ACCOUNT LATE '' when you do n't have control over the account and have not provide a payment method to kept the account current? <P/>5. Please provide the original documentation sign by XXXX XXXX. <P/>6. Please provide the date and time when the account was transferred from XXXX to a government servicer. <P/>7.Please provide the proof and accurate information schedule payments that were missed. This should be displayed by financial statements from your accounts. <P/>8. If the BALANCE OWE IS XXXX??? HOW CAN YOU BE LATE? <P/>This does not make sense at all and should be investigated all my accounts are to date and XXXX XXXX is violation of the FCA. From this point I will consultant the attorney that sued Equifax for XXXX XXXX dollars because they refused to remove inaccurate information of her credit report.
I have disputed Equifax 's reporting of XXXX XXXX AS INACCURATEAND INCOMPLETE WITH SPECIFICITY AS TO WHAT IS inaccurate on at least XXXX occasions.XX/XX/XXXX confirmation # XXXX, XX/XX/XXXX confirmation # XXXX, XX/XX/XXXX CONFIRMATION # XXXX, AND XX/XX/XXXX confirmation # XXXX.XXXX IS A CLOSED ACCOUNT yet willnot report a close date leading to others to believe upon receipt of Equifax reporting that the account is open.XXXX XXXX REPORTS A LAST PAYMENT AMOUNT ANDSCHEDULED PAYMENT AMOUNT OF XXXX.these are obviously erroneous on their face. 
the lack of detailed reporting obfuscates Equifax 's and XXXX colluded extortionof illegally excessive fees contrary to XX/XX/XXXX CREDIT CARD ACT. 
EQUIFAX , ALONE CAN NOT REPORT INACCURATE OR INCOMPLETE INFORMATION '' ON THE FACE OF THE RECORD '' WITHOUT BEING IN VIOLATIONOF FCRA regardless of creditor verified reporting.I WILL LITIGATE PRIOR TOSTATUTE OF LIMITATION ALLOWANCES.