WillisBack/dataset-financial-user-claim huggingface dataset:
SPS is trying to steal through fraud deception of money I do n't owe them, and can not prove they lent me money, and statue of limitations to collect after bankruptcy XXXX, illegally along with two trustees acting in RICO with armed forces  police, sherrif, military mercenary or otherwise it a threat Commercially illegal instruments, that they have no rightful claim on or they would have done so. 
Sps needs to prove who the Attorney is and XXXX XXXX, and XXXX XXXX XXXX and XXXX XXXX XXXX that did not even loan money but used my credit to go to the Fed window and use funds and lend back out with Usury 9.99 % interest to 14 %. XXXX XXXX XXXX has not been in business since XX/XX/XXXX and I have no contract then with two signatures one with them and me on any paperwork nor their parent company XXXX XXXX. You all have arrest warrants issued and a defaulted bill. Principle to agent, agent to principle. Show your face who you are and XXXX XXXX and others such as XXXX XXXX has a defaulted bill in force. Commercial Lien will be coming out for your Fraud. 
someone has forged my good name to the 1-4 rider documents and is a crime per California code 115 a. and no trespass as well. You are now Liable once again. You better have a chain of title if anyone steps foot on my land and you cant foreclose since my property has more than one address and service only one as well. hint you charters are being reviewed now. XXXX XXXX XXXX XXXX
I CAN NOT BE BOTHERED WITH THESE PEOPLE. THEY DO NOT HAVE THE RIGHT INFORMATION AND FOR SOME REASON THEY DO NOT UNDERSTAND AND HAVE STARTED TO REPORT ON MY CREDIT I SENT A CEASE AND DESIST ORDER TO HELP BUT IT SEEMS TO HAVE FAILED IM STILLING RECEIVING CALLS AND ITS STILL ON MY REPORT
They ( Performant Recovery , Inc. ) are repeatedly calling my workplace, and are going to get me fired. My employer does not allow any calls period, except family emergency calls. The actual name of the person is XXXX XXXX.
My husband and I both received phone calls from XXXX XXXX @ Columbia Debt Recovery XXXX XXXX XXXX XXXX on our cells phones today as well he called my husband at work. I spoke with XXXX XXXX today @ XXXX who informed me we had an outstanding debt with our previous landlord. We moved XXXX XXXX, XXXX. XXXX XXXX claims they just received our file in their office on XXXX XXXX, XXXX and documentation was mailed to our home address " 10 days ago '' per XXXX XXXX. Please note our address is XXXX XXXX XXXX XXXX, XXXX, WA XXXX. XXXX XXXX proceeded to tell me that we owe this debt, that it was a verified debt and that if I did not make payment/settlement arrangements prior to the end of this phone call that he would proceed with legal action against us. I asked XXXX XXXX about getting the documentation so that we could verify the debt and dispute it, however, he said " I have no control over the mail and this was mailed 10 days ago. '' Again, I stated we did not get said documents and that I do not have control over the mail either and that I believed there were laws, or rights that we had 30 days to dispute the debt once we received it in writing. XXXX XXXX indicated he could not give me legal advice and again threatened me with legal action/ '' I will sue you immediately '' if I did not make arrangements with him prior to hanging up the phone today. I felt violated and threatened and his demeanor was very upsetting on the phone, whenever I asked a question. Basically, I felt like I was forced into an arrangement, which I repeatedly stated I had no idea I owed and that I could not afford the arrangements he was demanding. In other words, he was bullying me into make a decision, that I clearly ( if you listen to the recorded phone call, he claims to have ) was not comfortable financially and mentally speaking with XXXX XXXX and in making such arrangements. He indicated that this would hurt our credit scores and immediately after we paid the balance in full, he would indicate the debt was paid in full and our credit scores would go back up. I would like to file this complaint, for him threatening me with legal action, without giving me justification of the debt in writing and allowing me time to get representation and disputing the debt. I feel like his tactics are bullying, threatening and morally not right. I wish I could have had an attorney call him, but he stated " if you do n't work with me today, I will immediately push this into litigation today. '' I am not sure how I could have defended myself. He did indicate he would email me a promissory note that both my husband and I needed to sign and return to him no later than Tuesday XXXX XXXX and that I must reply with the word confirmed in order for this to be a valid payment arrangement. I have not done so yet, as I was too upset about his demeanor with me on the phone. 
Thank you in advance for your time.
To whom it may concern ; A few weeks ago, I noticed multiple issues reporting on my Experian credit report ( monitoring ) that were both fraudulent and inaccurate and contacted Experian 's Fraud department to dispute these items. Here is a breakdown of these items on my credit file : INQUIRIES XXXX - XXXX/XXXX/2016 ( FRAUD ) XXXX - XXXX/XXXX/2016 ( FRAUD ) XXXX - XXXX/XXXX/2016 ( FRAUD ) I do not understand why this company XXXX ' continues to have my credit pulled. I have called them multiple times concerning the first time they did this XXXX. They stated that someone had applied for an apartment lease. The same was told to me yet again when this occurred now for the second time just one week ago. I am currently in corporate housing through my employer and will continue to be until XXXX XXXX, 2016 when my contract runs out. Henceforth, I am certainly not looking to rent apartments on both Coasts in XXXX and California. One of these inquiries was for an apartment in the XXXX area and the other was for an apartment in the California area. I want for these to be disputed as fraud please. As for the XXXX XXXX inquiry, this too just apparently happened. I am unaware of why this was pulled. After speaking with XXXX, they told me that my credit was pulled concerning an attempt to open an account. I explained to them that this was not done by me and to please remove it. I was told that they do not remove any inquiries for any reasons whatsoever. 

ACCOUNTS : XXXX XXXX XXXX XXXX CREDIT CARD Acct : XXXX Opened : XXXX, 2016 Limit : {$5000.00} Balance : {$4900.00} While I am not disputing this account as fraud per say, I am disputing that this card was in fact used to make unauthorized transactions on several websites including ; XXXX and XXXX just to name a couple. I have spoken with the bank on multiple occasions and have even contacted Experian. At this juncture, the balance being reported is inaccurate because of these charges. So, in summary the account itself is mine but I have had multiple unauthorized charges on both this account and a couple of others that I had with XXXX and was forced to close those down to protect myself. 

I certainly appreciate all of your help up to this point. You will see that upon further research, I have been a victim of identity theft and have dealt with these issues all year at this point. However, I am at least making some headway in trying to clean up what has happened. Please feel free to call me anytime at XXXX if you need further information from me in order to help expedite this process. 

Regards, XXXX XXXX XXXX
Short summary : Bank of America 's " AutoPay '' feature is deceptive -- it leads you to think that you're paying the amount due in full when only you're paying the minimum amount due. The rep I talked to agreed with me that the AutoPay feature was deceptive. Then BOA misstated its Regulation Z billing error resolution obligations : when I tried to dispute the fee I was told that only merchandise disputes are errors. 

Longer summary : I set up AutoPay on my Bank of America credit card and I found the options very confusing. Ultimately I chose the wrong one and incurred fees that I shouldn't have incurred. I wanted to choose the AutoPay option that would automatically pay the full amount due on the card every month. Of the options available, the first one was " Amount Due. '' The second option was " Minimum Amount Due. '' Because I knew that I didn't want to pay the minimum, I wanted to pay the full amount on the card, I chose the first option. After incurring a {$28.00} interest fee, I called BOA. A call representative told me that " Amount Due '' was not actually the amount due on the statement, it was in fact the " Minimum Amount Due. '' He said that there was no difference between the two options. When I said that I thought this was deceptive, he agreed. He said that BOA was working through various options which was why they were both listed. He refused to refund me the interest fee and told me that no supervisors were available to speak with me. When I said that I wanted to dispute the interest charge, he told me that a disputed fee was not an error, only a merchandise dispute was an error. Obviously that's not true -- there are lots of billing errors that aren't merchandise disputes. Then I talked with another rep to close my credit card and she also agreed that credit cards have deceptive features and that I should make a complaint so that BOA could fix the problem.
XXXX is listing wrong information on my credit report. XXXX sent me a " statement balance. '' The statement balance is wrong because the payments that I have made have not reduced the balance on the loans. In addition, what XXXX is reporting to my credit report does not correlate with the statement balance I received from XXXX. The statement balance I received from XXXX which shows a discrepancy to what they are reporting to my credit report is attached to this complaint and is a flagrant violation of the Fair Credit Reporting Act. The statement balance I received from XXXX is at least {$13000.00} less than what XXXX is reporting on my credit report and is a flagrant violation of the Fair Credit Reporting Act. XXXX is illegally reporting a higher balance than what they provided as a statement balance to further damage my credit rating in flagrant violation of the Fair Credit Reporting Act.
I opened an American Express business card for a company I worked for. I was asked for certain information over the telephone like my SSN and I had admittedly asked the rep was my credit being pulled or was the credit going to use my credit I was told " No ''. I said perfect because this is not my card it is intended to be a business and I did not agree to have my credit touched. I filed a consumer complaint a year ago because of the terms of the card. I was told XXXX thing and the company received different terms then what was told to me. I did not know my credit was linked to this card until I receive a IRS document saying I have to claim income because the company had settled the card amount with American Express. I would like to file a formal complaint on my own behalf because I was lied to and I have tried to get American Express to fix their mistake. I found out it was on my credit report also. I called american express to get it removed from my credit. I never given permission to use or look up my credit. At this point, I believe this is considered to be fraud committed by XXXX of American Express employees. I have only received a phone call to say the company apologizes for the inconvenience and that the rep would be retrained and that was a year ago. After the managers reviewed all calls. My personal information was used and taken without my permission and I would like for the company to fix this problem. I have been denied credit, I have received higher interest rate for items I have purchased due to American Express not completely fixing the problem. When I received the phone call to apologize I had no idea that the card was used under my SSN. I only found out after I was denied credit. I tried to call and have it taken off now everyone at American Express states they have no information about my card other than it was settled.
On XXXX/XXXX/2016 I noticed that there was a collection of debt posted on my credit report ( XXXX ) reported by American Medical Collection Agency,XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX as on XXXX. I did not receive any kind of notice for this debt collection agency.Upon calling the collection agency at XXXX and checking about this, they agreed and confirmed that they had a bad address on file and the status of the notice sent was " undeliveable/not delivered ''. Since this was a mistake on the agency side I requested them to report removal of this collection debt to the credit bureaus, which they initially disagreed to do so. Meanwhile I had applied for an Auto loan/lease on XXXX/XXXX/XXXX which did n't get approved initially as I didnt have the Credit score that are they looking for. I had to provide additional documentation references etc to support the credit application but still my rate of interest went up. I could n't get the price that was initially agreed upon just because of my credit score which was affected badly by the reporting of American Medical Collection Agency. After repeated calls and I informed them that I will initiate a legal action for no-notice and reporting by which creating negative impacts on my credit score and history. Then they agreed and accepted to remove it so that they dont face a legal action. On XXXX/XXXX/2016 they agreed to me to provide a documentation stating the reason for the removal of this debt collection from my credit report, which is being denied now. Because of all these troubles, confusions and issues, I got hit XXXX points on my credit report XXXX XXXX to XXXX XXXX which caused a loss of more than {$1000.00} in the pricing of the deal, additional documentation, time and immense XXXX. So I request the Consumer Financial Protection Bureau to take action against this agency and direct them to provide the information and documentation i.e reason for removal of debt collection which I requested as I stated earlier. Also direct them to compensate my loss appropriately which was caused by their mistake of no-notice and having a bad address. Also I have attached the copy of Credit report stating the removal of the Debt Collection record by American Medical Collection Agency
I am a victim of identity theft. Below are the companies who are reporting fraudulent information to the credit bureaus : XXXX XXXX XXXX - {$1500.00} XXXX XXXX - {$2800.00} XXXX XXXX - {$2900.00} XXXX XXXX XXXX - {$1000.00} I have written the credit bureaus and stated it was fraudulent and to no avail it is still being reported on my credit report.
I am a victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. 

Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I appreciate your prompt attention to this matter, and await your reply.
Dear Sir or Madam ... I've been requesting the information for the Debit for a couple of months now ..I received a typed letter with the collection agency name on the heading stating it was the Bill ... so I went on Identify Thief.gov..and processed the paperwork requesting this information ... I sent to the Reporting Agency XXXX and to the Collection Agency ..United Revenue Corp ... XXXX opened up a dispute with my documents..I reached out the collection agency and was told they wouldn't be sending me any information and there wasn't anything else they could do for me and will continue to report to the credit bureau..I had my documents including my ID.. ( driving license ) .. Notices to Furnish., and Identify thieft report notized but my bank .. Requesting documents..I was told they don't have it and won't be sending me anything.. Reporting amount XXXX.this is not my account ..I have no contract with either company XXXX XXXXXXXX XXXX XXXX or United Revenue Corp .. Reporting date XX/XX/2013 5 years ago
I have over  XXXX  in debt from university of  XXXX . It was  XXXX   XXXX  first the it went Navient. I call them almost every year trying to lower me payment or try that income base repayment but they always say I do n't qualify I make too much. I 'm a single mom o n one sal ary and have a mortgage and car /insurance payment. And utilities! They keep saying I do n't qualify and defer my payments but that just makes my balance go sky high with interest. They do n't help me with anything. I 'm never going to pay off this debt! I need help my son goes to college next year. I think my balance was around  XXXX  tbousou d before but with all the deferment it 's gone up to  XXXX  that a house. Please help. I work in the   XXXX   XXXX  .
A disputed debt was sent to a XXXX collection agency. The XXXX collection agency has failed to notify me of how to dispute the debt, failed to notify the CRAs that the debt is disputed, and is now charging me more that the original amount. I believe some or all of these violate federal law. They have also failed to respond in full to my letter sent certified mail.
I receive numerous calls from Navient ( for Sallie Mae loan ), the latest of which was today -- XX/XX/XXXX. I have NEVER had a student loan. A couple of years ago, I contacted them after they meade several calls to me and told them to remove my number -- I was not the person whom they were seeking. 

I have started to get the calls again, this time for a different person. I spoke with someone and they said they would fix it but they have or will not fix the problem. 

CallerID number : XXXX Number for contacting them : XXXX.
I have contacted my mortgage company roundpoint consistently over the past 2 months to try and resolve my escrow issue. I have asked repeatedly for a copy of my original documents to be sent to me but have yet to receive those, or find a resolution for my account. I have now been assigned to 3 different customer advocates none of which are ever available for calls nor do they return my calls. In the interim I have reached out to customer service to try and resolve this but have been told every time I need to speak with my customer advocate, which never pans out. I am unable to contact anyone or receive a response.
Key Bank XXXX XXXX has reported ATM machine abuse on my XXXX report. This was reported XX/XX/2014. The incident they are reporting was an account closure due to letting someone else have access to my PIN number which was against their policy and they closed my account. No money is owed the report shows paid in full. Due to the use of the term ATM machine abuse I am denied any bank accounts which is making it very difficult to rebuild my credit.
I have XXXX accounts on my credit report with Equifax that are in collections status. It 's in reference to a worker 's compensation incident that happened while at work. The medical bills acquired while seeking necessary medical care were n't paid by worker 's compensation in time, thus going into collections and negatively affecting my credit. After contacting my employer 's HR department and Claims Adjusters in order to have the medical bills paid back in late-XXXX/early-XXXX, I just found XXXX days ago ( XXXX XXXX ) that my Equifax credit score dropped a whopping XXXX points due to the very same collections accounts that came back. I do n't know for sure if this is in regards to the data breach they 've recently succumbed to, but these accounts were billed to my employer and thus, should n't be on my credit report any longer, much less able to affect my score and come back to life again.
I have enrolled in the Income Driven Repayment Plan through Navient. I have struggled with this company since 2013 to repay my loans. I have gone into forbearance, deferment, and multiple Income Driven Repayment plans. I am a XXXX XXXX and attempting to repay my loans to the best of my ability. I am now enrolled in a XXXX XXXX/month repayment plan and have been been paying XXXX XXXX/month in order to put more towards my principle and pay off my debit faster. My recent payment of {$200.00} was posted and ALL of my payment was put towards the Interest! How is anyone capable of repaying a debt when nothing is going towards the Principle? Also, I have been attempting to raise my credit score ( as I am looking to purchase a home ) and after Navient posted my payment, my credit score drastically dropped as my total loan had RISEN {$110.00}! When researching how to get help with these loans as I went to school for XXXX XXXX ( which the job field was projected to rise ), I stumbled across four class action lawsuits and multiple borrowers who are also facing the same issue.
I am receiving calls at my job from a company named XXXX XXXX. They have been told my HR department that I am not allowed to receive personal calls at work through my work line, but the calls and voice messages continue. They told my HR department that they were calling on behalf of Check n Go
My account with Bank of America was closed due to fraudulent activity. The bank was well aware of the entire situation yet the only solution that was given to me was to pay the closing costs which totaled up to {$280.00} which came from my card being accessed once it got stolen yet every representative I had spoken with was aware that the paperwork they sent me to authorize the investigation I didnt receive because I changed address and even had given them my updated address. My account was closed XX/XX/2016
Hello, I am disputing the charge of {$1000.00} charged on XXXX XXXX, 2014 by merchant XXXX XXXX with my bank ( Bancorp South ). For detailed information please refer to the attached document. 
Best Regards, XXXX XXXX
Re : XXXX Account number : XXXX XXXX regards to this creditor reporting my account 30 days past due. This is very much inaccurate. 
I have spoken with these illegal representative 5x in regards to maing sure my payments are automatically drafted from my Credit Card. 
and 5x, I have received 5 different responses of yes, no problem, to it is there, to I 'm not sure we can do that, to the last time of, Your card was charged already. 
I can not be more clear when I say this, you CRAs BETTER make sure you get this late mark off of my credit report, or I will be escalating this complaint to the Attorney General against you and XXXX!
Navient has begun making adverse entries in my credit report, falsely claiming that I have two accounts with them that are more than 120 days delinquent and that I agreed to pay them {$430.00} per month for 120 months. I never had any such agreement with this company and am not in default of any agreement with them. My credit score has plummeted by hundreds of points based upon these fraudulent reports to the credit bureaus. I am unable to have the adverse information removed from my credit file. From their entries they appear to be attempting to revive and collect on an almost forty year old purported student loan. I have no such student loans. Please help?