WillisBack/dataset-financial-user-claim huggingface dataset:
'Collection Notices from XXXX for Equipment that I do not have. ' XX/XX/XXXX - Contacted XXXX and cancelled TV & Internet serices XX/XX/XXXX - Sent ALL equipment back to XXXX  via XXXX ( 2 Cable boxes, 2 Remotes, and 1 Modem with WiFi XX/XX/XXXX - Recieved at XXXX - signed by XXXX ( I have XXXX POD ) XX/XX/XXXX - Received XXXX Invoice for {$1300.00} for Equipment & service XX/XX/XXXX - Called XXXX customer service and explained that equipment was sent back and they said they would send a revised Bill for {$25.00} service XX/XX/XXXX - Received XXXX Invoice for {$130.00} equipment and {$25.00} previous balance. 
XX/XX/XXXX - Call XXXX again, and XXXX said they would look into the {$130.00} discrepancy and get back to me within 1 week. 
XX/XX/XXXX - Received 'Collection Notice ' mail from Credit Protection Associates ( CPA ) for $ XXXX-equipment + {$5.00} Collection Fee = {$140.00} XX/XX/XXXX - Sent written response to CPA > " I Do Not Owe XXXX any outstanding balance. This Claim is Not Valid. I do not have any Equipment that belongs to XXXX. '' XX/XX/XXXX - Received 2nd Collection Notice mail from CPA = Past Due {$140.00} XX/XX/XXXX - ReSent sames Response letter. ( Please see attached ) XX/XX/XXXX - Received Collection Phone Call from CPA-XXXX. I responded with same as above - I do Not Owe and I do Not have any Equipment. 
XX/XX/XXXX - Received another phone call from CPA and I responded in the same way as above again. 
XX/XX/XXXX - I received anther 'Collection Notice ' mail from CPA, {$140.00}
On XX/XX/XXXX money was stolen from my bank account through an unauthorized on-line money transfer not made by me or my wife ( the only account holders ).
The theft was timely ( within 30 minutes ) reported to the Bank, and the Bank 's representatives stated the account would be locked pending a fraud investigation.
After this call, additional monies were stolen out of the account - it had not been locked as reported by the Bank. 

This additional theft was again ( still on XX/XX/XXXX ) timely reported to the Bank. 

Since then, on multiple occasions, I was told the stolen monies would be placed back into my account within 3 business days. 

Today, I received notice that the Bank was rejecting the claim of fraud reported on "XX/XX/XXXX ''. 

Given these circumstances, it is clear the Bank did not conduct a legitimate investigation and is disregarding the true facts of the theft.
I have a regular VISA credit card with Capital One. I was traveling in XXXX in XXXX and used my CO card for a cash advance from a XXXX XXXX. My statement for that period of time reflected the cash advance plus a {$10.00} fee plus an interest charge. There was NOTHING on that statement to indicate that there would be further interest charges. It was only today, after 2 more statements with interest charges, that I took the time ( over an hour ) to call and speak to 2 people at CO about why this is : that the interest fee payment is not applied until they, receive the payment and by that time more interest has accrued. 
In my case, the interest was minimal, but I can imagine that other individuals might get a cash advance for a much larger amount which could accrue substantial interest over many months. 
I have an excellent credit history. For about 40 years, I have been paying the full amount indicated on my statement every month in order to avoid finance charges. There was NOTHING on the statement from Capital One to indicate that the amount due was actually NOT the full amount and that future interest would be accruing. Without that information, people, like me, can not avoid these penalties. 
I hope that the CFPB can address this issue, as it is nothing more than a scam allowing the bank to assess hidden interest fees.
XXXX XXXX 2017 i have see it on my credit report, prestige financial was report me as repossession, even though i was sold to the XXXX XXXX, if they wasnt take the deal, XXXX XXXX would return the car for me, but XXXX XXXX has never contact me about the car need to return, and prestige was just deal with them without my permission, or place me on repossession. which is unacceptable. if the XXXX XXXX call to come and get the car back i would went to pick up the car with them, without XXXX XXXX call i cant do anything since i have sold the car to them. i want them to remove the repo off my credit since it 's not my fault. they both deal with each other without letting me know that they are processing to repo. sold the car but repossession on the credit report without knowledge
I been going back and forth with the original creditors, collection companies and credit bureaus ( experian, XXXX, and XXXX  ) to resolve these items that's reporting with multiple inaccuracies but unfortunately i'm yet to get amicable responses from the credit bureaus. These items are reporting with multiple errors and I would like the entire investigation done and detail process of the investigation that took place.
Capital One did not take any steps to notify me that my account was past due. They did not take any steps to notify me before reporting late payments to credit bureau. According to rep you have to 'request ' to know these things. This is highly unethical, especially since they charge late fees. It is in their interest not to notify the customer. According to Rep, consumers do n't want to know this information.
There are XXXX invalid and prematurely placed liens reporting in the public records section of my file. lien 's labeled under ID # XXXX and ID # XXXX need to be removed. I have repeatedly disputed these accounts as they have been removed from my name and are no longer on my name in the county and federal courts. These liens were accidentally placed and no longer valid nor have been valid for years now. I keep relaying this information to Equifax to remove them but they refuse and keep verifying it as mine but do not conduct a proper investigation to see that they are NO LONGER ON FILE and are not linked to my name. They refuse me any procedures or any description so that I may see how or who has verified this to be accurate. i do not believe that they have conducted a legal investigation at all. they continue to violate the law and they are ruining my life. please, can the CFPB and FTC help assist me in holding this company responsible for their fake investigative duties and their lack of proper correspondence with the consumer?
I received a call on XXXX/XXXX/15 at XXXX from Greene & Cooper XXXX XXXX She asked me to verify my address etc. and then she told me she was calling to collect a debt that was established by the Law Offices of XXXX XXXX XXXX and that they took over the account. I told her that the the office of XXXX XXXX was notified by my attorney ( I have a letter dated XXXX XXXX, 2015 ) that he was handling the matter and that she just violated the FDCPA Act by contacting me directly instead of my attorney. She said I never notified them which is a diversion. They should know if they took over the account
I received several late fees, and realized without my consent or knowledge Macy 's changed my last name on both of my credit card account ending in # XXXX & # XXXX, which prevented me from receiving timely statement. Although I made payments on both accounts for due date XXXX XXXX, XXXX, Macy 's is showing both accounts past due demanding I pay an addition {$37.00} on each account or will report the accounts late with the credit bureaus. In addition Macy 's is demanding a higher payment amount for next cycle billing based on their internal errors which created a problem with accurate reporting of information to the credit bureaus. This erogenous error has impacted my credit score and reporting with the XXXX credit bureaus and to date Macy 's is refusing to acknowledge the mistake, provided written documentation of who authorized the name change and why this information was changed. I had these account since XXXX, and the account has been under the name XXXX XXXX XXXX, on or around XXXX XXXX, Macy 's without my knowledge or consent change the name on the account to XXXX XXXX XXXX, Macy 's is refusing to correct their error within their system and with the credit report bureaus. This was done intentionally as retaliation for several complaints I filed with CFPB in regards to Macy 's illegal practices with manipulating the consumer credit scores and increasing the consumers line of credit during the holiday season to increase sale.
I am the power of attorney for my mother, who has   XXXX   XXXX  . I opened a bank account with TD Bank which contains only her social security benefits and pension benefits, which are exempt from collection under state and federal law. My mother and I have the same last name, but different first names. I opened the account as the power of attorney, but the bank incorrectly placed my name on the account as a joint account holder.
A debt collection law firm served the bank with a restraining notice based on a judgment someone obtained against me in small claims court. I returned the exemption forms to TD Bank and to the law firm. I returned them within approximately two weeks of receiving them. The letter accompanying the exemption forms was dated XX/XX/XXXX , but I did not receive it until  XXXX . There was no post mark on the envelope. I consulted with a lawyer and returned the exemption forms within a few weeks of receiving them, indicating that the only money in the account was my mother 's money, so the account should not have been restrained, since she was not the judgment debtor. The Bank never responded. When my lawyer and I called the bank to follow up, they said they would not release the account because the exemption form was sent back more than 20 days after they mailed it. They admitted that they do not have any records relating to the mailing date and asked me the date of the postmark. I explained there was no postmark, just a preprinted mark stating that TD Bank paid the postage. They refused to release the account, even though they had notice that the judgment applies to me, not my mother, and the only money in the account belongs to my mother. They also refuse to correct their error in putting my name on the account as a joint account holder rather than as the power of attorney until the restraint is lifted.
I do not know what this debt from XX/XX/XXXX is. The current resident at my former address had several bills/debts in my name, that I did not sign for, authorize or approve. I recently found out that this may be one of them. The company is requesting I send them utility bills from XXXX ( which I do not have ) or a police report ( which I also do not have. ) I 've asked for a copy of the original executed contract/agreement for this service, so that I can see who signed for it, but the collection agency will not provide this to me.
In XXXX an Item with Account Control Tech ( ACT ) for XXXX XXXX University was placed on my credit. I immediately disputed the debt with ACT as well as the credit agencies and It was removed from my credit report. I also contacted ACT directly and told them I have never attended XXXX XXXX University. They stated that according to their records I was set to attend one class to start my XXXX  and never paid. I told them verbally that I never attended XXXX  and that I inquired about the degree but never signed any documents. They claimed they would look at it. I also sent them a certified letter requesting all of the documentation for the debt. They first replied back with an envelope and form letter with nothing else in it even though it stated they had attached information. To this, I called and wrote another letter. Then they replied back with an agreement that did not have my address on it with no signatures and initials on the document that looked nothing liked my signature. I wrote another letter and called again. This time I received no response. In XX/XX/XXXX ACT placed the item back on my credit.
1. This is not my debt.
2. They have no proof this is my debt 3. They have failed to contact me prior to placing this item on my credit. This is a violation of FCRA Section 809 ( b ).
4. They have failed to notify me per FCRA five days before replacing the item back on my credit.
Rec 'd letter from Ditech Financial LLC, Attention : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, dated XX/XX/2018. They are attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX. The Ditech Account Number : XXXX. 

I am not the XXXX XXXX. XXXX they are searching and am irritated by Ditech 's tactic to send this notice to all XXXX XXXX. XXXX in the hopes of finding the right person. I am now having to spend my personal time to confirm to Ditech they have the wrong person due to their tactic and incompetence. 

Therefore, I am requesting Ditech to cease further communication with me, and want Ditech to send me a check for {$54.00} ( my hourly wage ) for my time and effort to respond.
Capital One has reported both of my cards as 30 days late. This information is not correct, the minimum payments were made that should have kept the account from being reported 30 days late. I believe it was in XXXX when I spoke with someone with capital one that advised that I could make the payment of {$25.00} on an arrangement that would not cause any late fees or derogatory marks on my credit. I have worked hard to maintain good payment history with Capital One.
I requested information of the debt. The amounts shown on the information sent are different from what is being reported on my credit report. It also appears that my insurance company paid part of the two debts and with the new laws it should be removed from my credit report
XXXX XXXX will not send me validation of the account they are reporting to all three bureaus. I have asked several times for them to send me proof that I owe them a debt. They sent me a document that I have never seen before nor did I sign. I demand this invalidated account be removed permanently and immediately.
Complaint against Chase - servicer abuse. 
There is not one point of contact for this account. 
On XXXX XXXX, 2016 our attorney stated he spoke with XXXX XXXX ( XXXX? ) who sent a letter from XXXX, XXXX and told him she was reviewing the file and would get back to him in a couple of weeks. 
On XXXX XXXX, 2016 our Attorney was given the names of XXXX XXXX, phone # XXXX x XXXX and XXXX XXXX, phone # XXXX XXXX as the contacts to call to make arrangements to pay on a trial payment plan. We were told to call these people to go through with a trial modification before XX/XX/XXXX. 
However, a letter had been sent by me to Chase, Attention XXXX XXXX on XXXX XXXX, 2016 and again on XXXX XXXX, 2016 in XXXX, XXXX, stating that we had not requested such a plan, with a copy to the Chase office in XXXX, XXXX at XXXX XXXX XXXX. We cited the Complaint # XXXX sent to the CFPB on XXXX XXXX, 2016, which outlined our serious concerns with the terms and conditions of the proposed payment plan, and other requirements designed to waive our basic rights to due process, which were deemed unconscionable. 
On XXXX XXXX, 2016, I called XXXX XXXX who was not available so I left a message. I then called XXXX XXXX at XXXX.who also was not available, but after a holding period, XXXX XXXX came on the line. She was not familiar with the status of the account and put me on hold again to review. She came back on the line and asked if I wanted to make a payment. I told her I had questions regarding the terms, e.g. how is the payment amount determined ; what is the payment applied to ; how is the modification amount determined ; is a title search done ; are we eligible for loss mitigation, none of which she was able to answer. She gave me the following address to send a dispute : Chase ( Mail Code ( XXXX ), XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. She told me that XXXX XXXX was not in XXXX but was in XXXX. She told me that XXXX XXXX 'could not handle everything ' because there were 'other departments involved '. She was aware that another office in XXXX, XXXX has sent other communications to us. I told her I had previously sent a dispute to both XXXX and XXXX ; she said that the department for disputes is in XXXX. XXXX XXXX thanked me for the opportunity to 'provide excellent customer service '. 
I faxed the dispute to XXXX on XXXX XXXX, which had previously been sent to XXXX XXXX and the XXXX office and the CFPB XX/XX/XXXX. XXXX
Experian Credit Bureau has failed to correct an error in their reporting of a credit card account after the credit card financial institution XXXX XXXX XXXX XXXX XXXX changed the account number of my credit card and reported to Experian to the change. Instead of changing the account number and deleting the old number Experian just dropped the Credit Card account completely. The other 2 credit agencies show the change, but Experian did not and has failed to correct the problem after several months. I believe as a result of their incompetence it caused my FICO score with Experian to drop 40 points less then 2 weeks and damaged my credit options. I have spoken to both Experian and XXXX XXXX XXXX XXXX several times. XXXX XXXX informed me they have requested Experian to correct their error, but Experian continues to fail to do so.
I found an entry on my credit report with XXXX that claimed a collection report by XXXX XXXX XXXX XXXX owed to XXXX Colleges in the amount of {$130.00}. The date opened was XXXX/XXXX/XXXX. This does not make any sense since I have never owed XXXX XXXX any money and even if I did, no attempt was made to collect in the first place. 

I disputed this with XXXX but they would not remove it. XXXX XXXX is of no help since they will not even talk to me. I feel that based on the history of XXXX and the fact they are unresponsive to this fraudulent claim, this item needs to be removed from my credit report. Thank you.
In XXXX I started the process of a HELOC application with BBVA Compass Bank after recently moving. From the beginning of the application process I provided everything to them and all within a timely manner. The application was mishandled by the banker who took my information and did not gather all the correct information. He strictly took the details available to him and generated the application. Upon complaints of processing taking so long I was finally told that he had done this wrong and my account was the handed to a new relationship person based out of XXXX. She was friendly but continued to ask for duplicate information and I thought we had everything resolved. Finally I got an email that said that additional information provided was not sufficient and that I needed something further. Upon providing this to them earlier this week I am now being told that my application has been declined for insufficient information - even without this review. It is astounding to me that a bank would treat someone like this. I have referred several friends to BBVA based on having an earlier account with them but now am faced with the choice of restarting the application. I will re-start the process but it will now be with another institution as they have lost all my trust.
i recently received and closely studied a copy of my credit report. To my dismay, it seems that the credit report currently shows an alleged credit inquiry 1.XX/XX/XXXX 2.XX/XX/XXXX by this company that is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. I understand that nobody should be allowed to put an inquiry on my credit file unless I authorize it.
For more than one year I have been trying to get my private student loans " holder '' XXXX, now current Know as " Navient '', to reduce payments on my account. I tried asking them to allow a reasonable payment, due to other federal loans in which I have to pay. I thought all was well with the agreement, based off what the representative told me was reasonable, and so the XXXX payment was made. I later received a call, requesting a larger payment on the account than what I can afford. Not being able to come to a reasonable agreement with the managers or supervisors of " Navient '', XXXX, has lead me to become in default with making payments. They refused to accepts the payments on the agreement that was made. I know I have debt collectors calling me at all hours of the day and evening demanding payoff 's that I can not afford. They collectors advised me to ask friends and family for and large amount of money that he clearly stated he knew I could not afford. I asked him why would he ask me if he clearly knew I did n't have this kind of money and he changed the subject. He reverted the subject back to the contract and terms of repayment. I kept asking him if monthly payments was an options until we both got frustrated. I really do not know what to do and need some assistance. I really do not understand how a resolution can come about, if both parties can not come to a reasonable agreement. I tried explaining my financial situations, health issues I encounter and so forth, but there was no compassion or empathy to try and come up with a fair and reasonable solution.
I am not certain how I ended up servicing my loan through XXXX XXXX XXXX   however it has been a nightmare ever since. I consolidated my loans with XXXX XXXX XXXX a few years ago. My monthly required payment never made sense to me and how it was calculated. I called countless times over the years getting different representatives each time and the information provided was never consistent. I sought out repayment assistance many of times however there was never a resolution to my problem. As a full time working woman with countless other necessary living expenses I struggled to make the minimum required payment. Sometimes I would make two payments in one month of what I could which was better than nothing. Due to the fluctuation in my monthly payment and being advised I was on the lowest repayment plan my account apparently started to go in to a missed or late payment status. This later hit my credit report which was my first notification as I have worked extremely hard on my credit rating the past few years to be disturbed and find out it was all for nothing. My credit dropped over 100 points due to this. I attempted to appeal it with the US Dept. of Education however I was contacted by XXXX XXXX XXXX instead. I filled a formal complaint and was denied. Cited in the correspondence received from XXXX XXXX XXXX it was stated that they attempted to contact me by phone and mail however neither were ever received. I truly believe this is bad faith/ bad practice and I should not suffer these consequences due to their bad faith. I am now financially in an extremely difficult situation as I need to move and replace my vehicle and can not do either due to the hit on my credit report from XXXX XXXX XXXX. This has created a lot of issues for me financially. I do not feel that if I spent another 30 minutes on the phone going back and fourth with customer service that it would do any good as there are never changes to my account or monthly installment after help is sought.