WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX was trying to collect on an old Wachovia card that has been over seven years and taken off my record. He called a cell phone and I told him that was inappropriate because I was in the middle of work and that was an automatic fine for not asking if I was able to talk. I told him it had been 7 years and the company should have given the IRS a forgiveness of debt so I could pay the taxes on it. He just kept on repeating that I was a deadbeat and why did n't I pay my credit card. I told him that an attorney will be following up with this.
On XX/XX/XXXX I mailed a letter to Experian advising them of several addresses and information about my employment that were on my credit report were fraudulent and they need to be removed these addresses are XXXX XXXX XXXX XXXX nc XXXX, XXXX XXXX XXXX XXXX Nc XXXX, XXXX XXXX XXXX XXXX nc XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX. I also have never worked as a self employed person or at a company called XXXX XXXX .... at the time I sent an affidavit letting them know that this information was incorrect and my drivers license with my correct address [ XXXX XXXX XXXX XXXX, NC XXXX ] I also called Experian on several occasions to have all of the false addresses removed. I have discovered that since XXXX fraudulent accounts have been opened at the fraudulent addresses and I am doing all I can to stop all of this stuff I sent the original affidavit to Experian so I have had to fill out another one but I am submitting it to you today so that you can hopefully assist me in getting this corrected immediately this is just one of  many issues I have had since discovering these issues. also I have tried to address inquiries that were fraudulent from XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX XX/XX/XXXX
I call on XX/XX/XXXX and discussed over the phone why my XXXX Student Loans were removed. The customer service rep in conjunction with the Management team explained that it's an " internal company policy '' to remove Students Loans when they are " paid off ''. I explained to them that my XXXX   report is ONLY showing " Paid Off in Full '' due to XXXX. I also ask them to provide a letter stating what the " internal company policy '' is and they denied. Now, my Experian credit report in not only -77 points but also its not showing in my Experian Report History ( I had been paying my Student Loans since XX/XX/XXXX ) and this is affecting my credit report in many ways. 
Here is the report number with the notifications showing that my XXXX Student Loan has removed. 
Prepared for XXXX XXXX XXXX XXXX Personal & Confidential Date Generated XX/XX/XXXX Report Number XXXX
A Letter was sent requesting validation of this debt by my attorney. The letter was not responded to and the documents requested were not responded to.
XX/XX/18 - This company ( Direct Recovery Services ) has my email, personal address, work number, and home phone number yet contacted a friend I haven't seen in 6 years at a number I did not reference for this loan. The loan in question was a payday loan of which the number that was called was never referenced on the loan application. The representative ( a XXXX XXXX ) called the friend and left a message on his voicemail with regards to my name, his company and the fact I had money owed, the amount, and why the payment didn't go through. The rep never clarified he was contacting my number but left the message anyway, of which is a violation of federal law. I received a text message from my friend with the subsequent voicemail left by XXXX XXXX from Direct Recovery Services. His message stated " I am trying to reach XXXX XXXX ( this is not a clarification nor did he confirm who he was talking to ). This is XXXX XXXX from Direct Recovery Services. I am calling about the payment arrangement of $ XXXX which didn't go through. I need a phone call at XXXX as soon as you get this message '' I have no problem paying the debt ( payments have gone through fine, this one in question did not and is being rectified ). I called XXXX XXXX back at which time I was berated about paying debts and " this wouldn't happen in the first place '', which I took as his breaking the law and contacting a friend or relative to discuss a debt.
On  XXXX / XXXX /  XXXX   I received a call from a supposed company called "  XXXX  ''. Not only did the lady call my phone, she also called my parents house looking for me. She called my mo, first and told my mom that this coming Friday she was either coming to my residence or my job with " papers '' for me to sign and if I did n't sign them then I would be going to court. After she called my mom, she called my phone and told me that if I did n't call this number  XXXX   XXXX   XXXX   XXXX  that she would be coming to my home or my job. I called the number and mentioned the file number she gave me which was  XXXX  and spoke with a  XXXX .  XXXX  said she worked for SMS recovery which was a pre legal service/attorney office. She said she was representing  XXXX  and that I owed  XXXX . I asked them what kind of company this was and she said a legal company representing  XXXX . This company called my elderly parents issuing threats against me to " subpeona '' me to court which upset my parents. This is totally wrong and unlawful
My Fico score is innacurately showing XXXX. It was XXXX last month. My FICO score should be in the high 700 's. Experian has been showing innacurate info for years without explanation.They are criminally and falsely reporting on my credit report. I will be involved in the class action lawsuit against them if this isnt resolved A.S.A.P. XXXX  acurately has my score at XXXX and XXXX at XXXX. There needs to be an intelligent explanation, not an equivocal one, expalaining their discrepancies.
This is written by XXXX XXXX XXXX ; collection involves an account under my wife 's name XXXX XXXX XXXX XXXX XXXX. 

In XXXX of XXXX, we cancelled our TV cable service with XXXX and kept only XXXX internet service. A XXXX serviceman picked up TV equipment ( TV control unit and remote, as I recall ) and left the modem only. 

In early XXXX, we switched our internet service to XXXX XXXX XXXX. When my wife ( per directions from XXXX ) delivered the modem to our local XXXX office, we were told we still had a piece of TV equipment we did not have, and would be charged for it. I called XXXX customer service and explained the above scenario, and advised we did not take or have their lost equipment and would not pay for what seemed to have been lost by someone else. I believed that the matter was closed, and then the cards and calls from Consumer Protection Association began to come. They came to me, because my phone was listed as the contact. 

I called both CPA and XXXX on three occasions. After each contact, I believed that XXXX understood our position and the matter was closed. The last contact was on XXXX/XXXX/XXXX to XXXX companies. I confirmed that CPA would be contacting XXXX, and I confirmed XXXX would be confirming to CPA that the matter was resolved. 

I then received notice in XXXX ( XXXX copy included ) that CPA had 'turned my account over to the credit bureaus '. I was shocked, as this was clearly a disputed matter, and I had recieved no indication from CPA that 'the credit bureaus ' ( no specs as to how this was reported, or to who ) had been advised that this was a contested matter. 

I now realize that I should have disputed this matter in writing withing 30 days of first notice, etc. I am sure XXXX and CPA have records regarding my phone calls, and XXXX should have record of the resolution ( s ) I was led to believe were forthcoming, so the formality of writing on such a clearly baseless case did not occur to me. 

My wife XXXX and I XXXX have a very long history of excellent credit. It is ludicrous to suggest that we would jeopardize that by failing to return a part that should have been picked up at the time our TV service ended.
Someone compromised my credit card a ran my XXXX XXXX card up to XXXX without releasing the funds to my credit cards and I got stuck with a bill of XXXX dollars in debt.i have a XXXX card and someone compromised it and left me stuck with a bill.
Received three calls from XXXX at United Collection Bureau Incorporated stating that this was a call from a debt collector. She said to call XXXX. I finally returned the call. She asked for my middle initial and my address. Then she said I was not the correct person. I am concerned that this was a phishing scheme to get my personal information. I have no idea if this was a legitimate debt collection call. The strange thing is that XXXX answered the return call. I would assume that a large debt collection agency would have several people manning the phones. The chances of me getting her should have been low.
I have had multiple loan payments mishandled by Navient. They are either incorrectly entered, processed late, or not processed at all. All payments have gone directly to interest with no option to make payments on the principal balance, so my loans simply continue to grow. My payment amount have changed twice now despite having the same amount of monthly income, and I am on an income-based repayment plan. As it stands, my loans will never be paid off in my lifetime if I can not make any payments on the principal amount and my bills continue to increase.
XXXX XXXX/XXXX/2016 I deposited my Federal Income tax check into my checking account via ATM at approximately XXXX XXXX. The amount of the check was {$5200.00}. The bank put a hold on {$5100.00}. They told me that money would be available XXXX/XXXX/2016.
XX/XX/XXXX Card was lost we notified Discover was issued another card, Charges made on card I thought were cleared End of XX/XX/XXXX we relocated cities and received no Paper statements we assumed it was because of move XX/XX/XXXX received statement for XXXX or XXXX XXXX was not shocked there was two Car rental for Auto accidents Paid off card Completely FF to XX/XX/XXXX we receive statement saying Balance was XXXX card that was paid off and dormant E Mail account was being used as collateral for an Fraudulent Pay Pal account that we didn't know at the time we disputed charges herd nothing and again no statements XX/XX/XXXX account was again used to open merchant accounts and charges were maid during that time we cancelled card was issued another again no statements when we received statements balance is now XXXX all charges on previous cards were being transferred to new account receiving interest, Late fees some sort of protection plan we didn't sign for after dispute we were found liable even though our dispute with XXXX XXXX we were found not liable after being a victim of Fraud we continue to be a victim of Discover needless to say with great Hardship to Family Debt was Paid Completely later XX/XX/XXXX we again receive a statement that XXXX was due on an account that we thought was closed
Consumer does not owe a debt. Consumer is formally notifying debt collector ( Sunrise Credit Services , Inc. ) of legal reason 's why consumer has rights to dispute debt and refuse to pay a debt consumer does not owe. ( 1 ). Consumer has no fiduciary or contractual obligation to a third party debt collector because there is no exchange of any benefit or detriment with ANY future collection agencies, junk debt buyers ( JDB ) or collection law firms. There will be no enforceable agreement. No payment history, nor products, or services has been rendered to such entities because these elements do not exist ; there is a 'failure of consideration ' and no valid agreement, contract or fiduciary obligation under federal law that requires payment to such parties. ( 2 ). Consumers sole income is Social Security income which is federally protected income under the Social Security Administration Act ( SSA ) ; Sec. 207. [ 42 U.S.C. 407 ] ( a ). Consumer has a copy of consumers Social Security Award letter as proof positive protected income. Please be advised : Under compilation of the Social Security Laws Section 207 [ 42 U.S.C. 407 ] ( a ) which states : the right of any person to any future payment under this title shall NOT be transferable or assignable, at law or in equity, and none of the moneys paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or other legal process, or the operation of any bankruptcy or insolvency law., whether consumer gives permission or not a consumer does not have the authority to authorize garnishment of a federally protected account. Under Nebraska Revised Statute Section 25-1563.01. ; the same Supreme Court ruling applies in this matter. ( 3 ). Consumers protected income presents a genuine issue of material fact that if a summary judgment is granted ( after receipt of this formal notification ) it shall be construed as a deceptive, frivolous, abusive and harassing process that can garner monetary retribution for consumer. Consumer is impoverished and refuses to be a victim of unjust enrichment and extortive tactics. Furthermore, a federal ( and civil ) lawsuit will ensue if consumers Social Security income is tampered with after receipt of this formal notice. Consumer thanks the CFPB for all it does to mediate and protect the rights of Consumer 's in this venue. Consumer will NOT respond to any ( PERSONAL ) emails from representatives of Sunrise Credit Services , Inc., sent to consumer beyond the " CFPB consumer portal '' ... ... due to a personal email provided in this venue.
Regions Bank, I am submitting a claim on my credit card because I have been scammed. 
I was lead to believe they were going to help me with a Federal Grant. I was going to try to help out my sister because she has been out of work for several months, help my son get a business started, etc. They have pulled funds from my account using the following information : XXXX/XXXX/2016 XXXX XXXX XXXX {$6000.00} XXXX/XXXX/2016 XXXX XXXX XXXX {$4000.00} XXXX/XXXX/2016 XXXX XXXX XXXX. {$5000.00} XXXX/XXXX/2016 XXXX XXXX XXXX {$4000.00} XXXX/XXXX/2016 XXXX XXXX XXXX {$6000.00} XXXX/XXXX/2016 XXXX XXXX XXXX. {$3000.00} XXXX/XXXX/2016 XXXX XXXX {$4000.00} XXXX/XXXX/2016 XXXX XXXX XXXX. {$5000.00} Please reverse these charges as I do not except these charges. Please help me.
transunion stated that they were going to remove a fraudulent inquiry from onemain. it still has not been done, nor have they sent me an updated credit report as pormised in case XXXX. this was filed on XXXX and still is showing as of XXXX
I was sent a prepaid card unsolicited that supposedly contained a rebate for a purchase I made. I did make the purchase but did n't request the card. The fees and challenges of using the card made impossible to apply its balance to purchases. I have since received a second card unsolicited, which I am refusing. The card comes from Blackhawk Network, associated with XXXX XXXX XXXX XXXX, SD. The rebate was for XXXX products manufactured by XXXX XXXX.
I used to buy on a monthly basis cryptocurrencies on Coinbase.  Everything went fine for months but suddenly the started in XX/XX/XXXX to account some extra fee to my XXXX card bill which they described afterwards in our mail communication as " cash advance fee ''. 
So I started writing back and forth to Coinbase and my bank. But one day as they usally like to do so on other topics too the communication with Coinbase stopped. 
My last knowledge about this situation is, that my bank and XXXX says that Coinbase is responsible for accounting that " cash advance fee '' while Coinbase says it is not.

So my last question to Coinbase was : " So when you know that this fee is accounted, why don't you comminicate it to your customers? I got a bill of my purchase. There's already a credit card fee included. But the cash advance fee isn't listed anywhere. '' Coinbase never answered this and because I'm still in contact with my bank and XXXX I'm inclined to the view that they are right and Coinbase is trying to not face the truth.
Seterus Inc is 30 days behind on mortgage payoffs. Requests have been made by myself ( via phone and their website on XXXX/XXXX/15, XXXX/XXXX/15 & XXXX/XXXX/15 ) and by the title company doing our closing ( I do not have the dates they requested payoff ). Website states 3 days for payoff, phone states XXXX to XXXX days but when I spoke to a representative today, he stated they are at least 30 days behind, as a result we can not close on the house and the buyers may back out. Multiple websites reflect poor reviews on payoff requests. On top of that Seterus is a debt collector, not a mortgage servicer and they treat you as such regardless if you make your payment on time and pay more than what is required. By far the worst company XXXX could have chosen to service their loans!
Every day they call from a new number, after the previous one is  blocked, and i inform them i have written them to stop contacting me. They are harassing me and even calling me at work.
I tried to withdraw a bitcoin from Coinbase, the transaction statue got stuck in pending.  There's no record of the transaction processing.  I've tried to contact Coinbase regarding the issue to get a refund, but have failed to hear anything back from them.  I had a similiar issue two weeks ago that caused me to miss out on a buying opportunity.
This letter is to inform you that Equifax has failed to vaildate and correct agencies validation that are being reported on my credit report. I have sent certified letters to Equifax in XXXX XXXX and I have spoken with several agents that can not give me the physical information that they received to validate these companies that are wrongfully reporting inaccurate information. Several of these companies are not bonded by the State of Texas to condurct third party collection and the other company can not validate services rendered, my physical signature, picture identification or a signed contract between myself and the compnay reporting. 
Due to the HIPPA law there is no way that the Equifax verfied these : XXXX XXXX XXXX $ XXXX Not my debt/Not Bonded in Texas/XXXX XXXX XXXX XXXX XXXX XXXX Not my Debt/Not Bonded in TexasXXXX XXXX XXXX XXXX XXXX XXXX Not my Debt/Not Bonded in Texas/XXXX XXXX XXXXXXXX XXXX XXXX $ XXXX Not Contract/Not accurate information reported XXXX XXXX XXXX $ XXXX Not my Debt/Not Bonded in Texas/XXXX XXXX XXXX XXXX $ XXXX Not my Debt/Not Bonded in TexasXXXX XXXX XXXX Services {$500.00} & $ XXXX No Contract/Not my debt/Can not verify accuracy I have been a victim of identity theft and I have the fraud alert on my credit report for serveral years now. The statement of the company gave a matching social  security can not validate the account if my social security number has been compromised.
i am filing this complaint based on current harrassment by citimortgage, since i refinanced my loan last year. they continously call me numerous times each month if i have n't paid my mortgage on the first day, although my payment is n't late and has n't went pass the late date, i have inquired as to why they are calling me and my payment is n't late nor have i been late and have asked them to cease, but to no avail. i strongly believe that i am being harrassed based on utilizing your services last year to help me resolve the unnecessary actions they were implementing on me with my refinance. i am also questioning why they have yet to send a copy of the deed of trust upon completion of the refi.your assistance in this matter would be greatly appreciated.
Portfolio Recovery calls my personal cell number everyday for the past 3 months from multiple phone numbers always after XXXX. When I answer they hang up and they never leave a message. Today XX/XX/2019 they called my place of employment between XXXX XXXX and they continue to hang up. I'm just learning they served court documents to my ex husbands parents home which I have never lived at and told them what they documents were.
On XX/XX/XXXX XXXX XXXX XXXX granted a mortgage to Beneficial Homeowner Service Corporation ( " Beneficial '' ) in the amount of {$23000.00}. Said mortgage was consolidated with a new loan with Beneficial in the amount of {$35000.00} on XX/XX/XXXX to form a single lien of {$58000.00}. Said consolidated mortgage was further consolidated with a mortgage dated XX/XX/XXXX in the amount of {$44000.00} to form a single lien of {$100000.00}. On XX/XX/XXXX, Beneficial caused a satisfaction to be filed in ACRIS, in CRFN XXXX, unfortunately said satisfaction contained the incorrect amount to be satisfied and incorrect mortgage recording information. A request for a corrected satisfaction of mortgage was received by Beneficial on XX/XX/XXXX and signed by a XXXX XXXX ( see attached ). Follow-up calls to Beneficial were met with " we have not received the request '' to " it 's being worked on '', all on the same call. On Monday, XX/XX/XXXX, XXXX in the lien release department informed our office that this matter is being handled by their bankruptcy department. XXXX from the bankruptcy department advised our office that they have not received the request and can not find this particular loan and that there are other loan but they do not list the amount. XXXX XXXX is in the process of selling the property and due to Beneficial 's inability to process a satisfaction of mortgage/lien release, XXXX XXXX is in jeopardy of losing the property in a foreclosure action.
Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, My name is XXXX XXXX and I am filing a complaint against the CHASE bank. On XX/XX/XXXX, I XXXX XXXX decided to get a patent from XXXX XXXX XXXX. XXXX XXXX XXXX said it would take about a year to get my idea patent. I found out on XX/XX/XXXX after continuously calling XXXX XXXX XXXX that it was fraud. The company is being investigated by the Federal Trade Commission. I know there is no statute of limitation for fraud. I never got my patent. I paid it using my Chase account over the phone. I called Chase to tell them about this incident but they do not want to refund the money that I gave for my patent even though it was fraud. 



The Federal Trade Commission entered a preliminary injunction indefinitely freezing XXXX XXXX XXXX and XXXX XXXX XXXX is the receiver : XXXX XXXX XXXX, Receiver Telephone : XXXX Email : XXXX My complaint is that Chase says that it protects against fraud but I know that is not true because Chase has not accepted my case to be fraud and reimburse me for the money that I paid which a total of {$5000.00} on XX/XX/XXXX and {$790.00} on XX/XX/XXXX. The XXXX was the first payment I made for research to start my patent where I only received a portfolio. I received a portfolio which I took to a patent attorney who said it was not researched well. 




Sincerely, XXXX XXXX Have a blessed day.
I have disputed these medical bills in the amount of XXXX and XXXX with Medical Finanicial Services twice in written letters. I have currently received a letter from XXXX XXXX XXXX trying to collect a debt. I have sent my documentation to XXXX  which has forwarded this documentation to Medical Financials service. XXXX and Medical Financials have ignored my documentation and violated my right s.
The number of times overdue that is actually cited on my credit report does seem inaccurate and or confusing.