WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/2016 I recieved a call from an XXXX that left a 40 second voice mail upon not being answered that said nothing. Upon researching the number I discovered that it was a collection agency that was sold a debt from XXXX. 
I called the number and spoke to a XXXX XXXX, who told that that I owed {$100.00} on a past due XXXX phone bill. 

I immediately told her that the matter was an error that was in the process of being solved due to a mess up on XXXX when setting up service. XXXX sold the debt prematurely to Amsher collection when they have acknowledged that there was a mistake made when switching payments over to another account. 

When I asked for a breakdown of the debt, I was told that there was {$94.00} due on a phone. When asking about the other rest of the money due on the account, I was told by XXXX XXXX " You should know about what 's due because it 's your account '' ; a statement berating me for asking to be granted rights under the FDCPA. 

In addition, Amsher Collection has not sent any notice through mail allowing me the right to verify the debt, nor my right to dispute as of XXXX/XXXX/16, or even that the debt was sold to them. Immediately after the phone call, I spoke to XXXX 's customer support about the matter and was told that I have to negotiate with Amsher Collection and that I should be given a breakdown of the phone bill through them, because the account has left XXXX. 

XXXX has mentioned that any possibility of buying the account back is impossible and that I have to speak to the collection company to settle the matter. I have not been given a proper break down of the bill and I honestly feel that the companies are asking for more money than they are entitled to, especially considering I have made multiple accounts to have the matter fixed in person and over the phone with XXXX.
My bank is XXXX in Illnois. I notified Essential Lending ( now XXXX ) that I was revoking their access to draft my account. I sent the request by fax and did receive a call back that the update was received. The notification was sent XX/XX/2016. Today, XX/XX/2016, they attempted to draft my account {$190.00} which resulted in my being charged a {$29.00} overdraft fee. I am in the process of opening a new account to avoid this from occurring again but wanted to make sure a complaint was filed for going against my requst.
Through an article I read I found out that Wells Fargo has admitted a calculation error may have led to as many as 400 struggling homeowners needlessly losing their homes to foreclosure and many others being denied modification even though they were eligible. The affected homeowners were in the foreclosure process between XX/XX/XXXX, and XX/XX/XXXX. 
It also states that the mistake in a mortgage-modification tool, discovered nearly three years ago, wrongly factored lawyers fees into the formula put forth by the government to determine if a homeowner would qualify for a federally backed program, like XX/XX/XXXXs Home Affordable Modification Program, or HAMP, Wells Fargo revealed in a regulatory filing. As a result of the banks error, as many as XXXX customers were incorrectly denied a loan modification, Wells said. 
During this time period I was denied HAMP loan modification over and over again. On Friday XX/XX/XXXX I called Wells Fargo to find out if my loan was one of the loans affected by this glitch. I was given a reference number of XXXX by XXXX XXXX who told me she was transferring this over to the investigator and that I should get a call back on Monday, XX/XX/XXXX. 
To date I have not been called nor have I been advised if my loan is one of the affected loans. 
I want Wells Fargo to investigate and evaluate my loan and advise me in writing with details if in fact my loan is one of the loans affected by the glitch. If my loan is affected by the glitch I want Wells Fargo to reevaluate a loan modification on my loan. My home is in foreclosure and a sale date will be set soon and I am in danger of losing my home. 

My information : XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Tel : XXXX Wells Fargo Loan Number : XXXX
Since XX/XX/2015 I started making a small loan from CashNet USA in order to help me get back into my XXXX from being off during the XXXX. I borrowed a total of {$500.00} over 3 months, but now after paying back on the loan every two weeks ( when my checks come ) in I 've payed back over {$530.00} but still owe {$530.00} with % 275.85 interest. It is almost impossible to pay back the loan since the interest is so high. I did n't realize this when I took the loan nor did I read my statements until I realized that what I was paying every two weeks was being absorbed as fees and interest on the balance.
Hello Team, I purchased airline tickets with XXXX worth {$3000.00} using my bank of america cash rewards card on XXXX. It attracted foreign transaction fee of {$91.00}. 
On XXXX the transaction was cancelled by airline. I spoke to BoA associate on XXXX asking about why transaction fee was applied and if this will be reversed if the transaction is cancelled. He said yes these fee will be reversed. 
When i see the account ledger today I see the base amount of {$3000.00} is reversed but not the fee. I again spoke to associate today and she said they can not reverse the same. 
I dont understand if the service itself is not utilized why there is a fee. 




Thanks, XXXX
Today ( XXXX XXXX 2016 ) I received a bill from GM Financial for the amount of {$7400.00} due by XXXX XXXX 2016. I terminated my vehicle lease on XXXX XXXX 2016 due to a military deployment and turned it in that same day. I received an odometer disclosure statement slip from XXXX XXXX ( Customer Relations Manager for XXXX ) upon turning in my keys. I faxed proof of my XXXX to GM Financial along with the odometer disclosure statement. On XXXX XXXX 2016 I received a letter from GM Financial stating that my account has been paid in full. I also have a screenshot that I took of my GM Financial account website which also shows there is a zero {$0.00} balance owed. I checked my credit report today ( XXXX XXXX 2016 ) and on my credit report for all XXXX credit bureaus it shows the account as paid off with a zero {$0.00} balance.
I received a letter from Jefferson Capital Systems , LLC claiming that I owe a balance for a credit card I have never had. I sent a letter demanding that this is taken off my credit report. No investigation or information has been sent to me in response to my request that I sent via certified mail.
I have previously submitted a complaint about Stearns taking principal payments, and applying them to monthly payments ( interest, escrow ). When I have asked to have them reversed ( i.e. have the money put directly to principal as I had originally instructed ), I then got a letter saying I was delinquent in payments ( as my autodraft payment was pushed back when they got my check for extra principal ). I got a response from Stearns via CFPB saying that everything was fine, I was not delinquent and I had not been reported to a credit agency. I sent another check to go to principal in XXXX, and the same thing happened- it was partially applied to a monthly payment. I called to ask them to apply it all to principal. I had to speak to a supervisor to assure that my autodraft was not messed up and that I would not again be accused of being delinquent. When I said this has happened multiple times and how do I assure payments go only to principal, I was told their payment address is a " lock box '' and it is automated, and it does n't matter what you write on it, that it is going to take it as a payment. I was given an alternate address to send principal only payments to. My question is why is this not stated in their payment instructions? Why was I not told this during my numerous conversations with Stearns before?
I receieved an email stating I owed money for a payday loan in XX/XX/2017. This happened around the same time I was moving. The day we moved was maybe about 4-5 days before the trash was to be picked up by the city. Documents were thrown away, I am assuming my information could have some how been obtained from my trash. I called the payday loan company and I was skeptical due to the lack of professionalism from the representative. I searched the company and there we two websites under the same name with slight variations in name. I didnt want to give my information over the phone at first due that I felt it was a phishing trick to get my actual information. I also work at a bank which is what stopped me from providing too much information over the phone. I sent in the affidavit and the IC3 form as well. I thought going into a physical location I would be able to get the issue rectified and I was told they work on two different systems. After visiting the location on XXXX in XXXX , OH I reached back out and heard nothing. I now have a collections item on my credit for over {$6000.00}. I believe the original amount of fraud was around {$570.00} XX/XX/17
A man named XXXX keeps calling me from Evans & Associates Law Office in XXXX New York. They use several phone numbers and change them frequently, but the most current one is XXXX. They started contacting me last year about an XXXX credit card debt that was discharged in bankruptcy in XXXX 2011. However, they are VERY rude, XXXX threatens me with legal action, tries to intimidate me, and has even verbally attacked me on the phone. I even had to change my phone number and they STILL keep calling.
Aldous & Associates , PLLC at XXXX XXXX XXXX, XXXX, UT XXXX are contacting me regarding a debt that I do not owe. They are allegedly calling on behalf of XXXX XXXX located XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX. I have contacted XXXX XXXX who confirmed that they did not refer me to collections. I have contacted Aldous who refuses to provide me with a copy of a signed contract, proof of debt, proof of assignment of debt or any other requested information. 

XXXX XXXX is a licensed retailer of XXXX XXXX. XXXX, a XXXX representative, informed me on X/XX/17 not to contact XXXX XXXX XXXX as they are a scam. 

I just want to make sure that the attempted fraudulent collection of {$20.00} will not affect my credit and that Aldous be stopped from continuing these practices.
In XXXX of 2016 we had discontinued service with a cable provider XXXX XXXX XXXX and resumed service with another provider XXXX XXXX. XXXX XXXX had received all of their hardware back and that was all we heard from them. Now we are receiving collection letter from a company named CBE group claiming we owe an outstanding debt from services from XXXX XXXX XXXX. We have formally disputed and all they have done is is sent us bills in which. We 're sent to us we disputed with XXXX XXXX and they closed account with XXXX balance and now these bills are reopened.
On XX/XX/2016 I was contacted by a company called XXXX XXXX the contacted me more than a year ago now. I paid them {$2700.00} with my Discover Card to receive products through their distributor but once I paid I never got any products not even the brochures I was promised. What they showed me as a sample of the e-catalogue of products it was nothing even close to what I was selling, I was furious when I contacted my rep and demanded a refund. I told them what I wanted even gave them a sample and to this date my site still is not right. 
The reason for this complaint is they did not provide the products/ services I paid for and they took advantage of my ag. I was defrauded and deceived into paying this money, I ask you to please help me get my money back.
There are XXXX pages of history, via the U.S. Dept. Of Education website, somewhat detailing the major railroading I 'm trying to decipher. 
In a nutshell, I borrowed less than {$25000.00} & owe close to {$80000.00}. 
Crazy how every deceptive practice employed by Sallie Mae has been embraced & accepted as fact, in reference to my student loan debt. 
It 's an atrocity & a sin how so many others, such as myself, struggled through affording a college education & are now employed members of society, but my student loans & the debts they 've accrued ruined any chance of my home ownership. 
As I see it now, it 's also dismal in the future.
XX/XX/XXXXthe talked to XXXX XXXX XXXX XXXX to XXXX and another new rep. We are still having late issues regarding this account and a late reporting with transunion please fix. XX/XX/XXXX the per attached pictures said late changed to current per XXXX Last nightXX/XX/XXXX XXXX XXXX XXXX XXXX hit my credit with transunion again saying its late see picture. This is taking tooo much time out of our lives This problem still exists and is not Fixed ... .not an isolated issue this is an ongoing problem
In 2015, XXXX XXXX announced that it was switching its credit card partnership from XXXX XXXX to XXXX. Before the switch took place, I decided I did not want to have a new credit card and asked XXXX XXXX not to share my data with the new company, Barclays Bank. Nevertheless, I received a XXXX in the mail. My details, including my Social Security Number, was given to Barclays without my authorization. Evidently this is legal. It should not be. In any case, I did not activate the card. This month, Barclays and XXXX XXXX fraudulently billed me {$40.00} for the annual fee for a card I never activated. I have spoken to Barclays, and the supervisor says she " waived '' the fee and closed the account. Had I not caught this billing for a non-existent card, my credit score may have dropped. The Barclays ' supervisor informed me that the bank is over 300 years old and is highly reputable, however, she said, XXXX and XXXX had not indicated to the bank that I did not want to have a new card, so Barclays could not be blamed. I had called Barclays numerous times to complain about the bills they were sending me. No doubt XXXX XXXX and XXXX XXXX acted in bad faith by sharing my details without my authorization. However, the {$40.00} service fee can not be attributed to any other institution than Barclays. In 2015, XXXX XXXX announced that it was switching its credit card partnership from XXXX XXXX to XXXX. Before the switch took place, I decided I did not want to have a new credit card and asked XXXX XXXX not to share my data with the new company, Barclays Bank. Nevertheless, I received a XXXX in the mail. My details, including my Social Security Number, was given to Barclays without my authorization. Evidently this is legal. It should not be. In any case, I did not activate the card. This month, Barclays and XXXX XXXX fraudulently billed me {$40.00} for the annual fee for a card I never activated. I have spoken to Barclays, and the supervisor says she " waived '' the fee and closed the account. It is not clear to me whether my credit score will suffer. Had I not caught this billing for a non-existent card, my credit score may have dropped. The Barclays ' supervisor told me that the bank is over 300 years old and is highly reputable, however XXXX XXXX and XXXX had not indicated to the bank that I did not want to have a new card, so they were merely following up. However, the {$40.00} service fee can not be attributed to any institution other than Barclays.
I am writing today in hopes to gain your help. Currently I am working on going over my credit, paying down my balances, and pursuing better credit worthiness. 
You play a significant role in this process. I am asking about the account number referenced in this complaint. 

I see you have reported me 30 days late to the credit agency ( XXXX, XXXX  and XXXX ) on XX/XX/2018 and I am submitting this to get this remark took back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.
No actions were taken n any of them, amountso roughly about {$22000.00}. Dates r as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
I use XXXX XXXX XXXX to pay for college. They charge a fee to break the amount into XXXX payments. I have made XXXX payments for the Fall semester and have been charged a late fee. I do not believe I have been late. Last year they tried to charge me late fees because I did not send in the same amount every month. I think the late fee is a scam.
YOU DID NOT ANSWER MY QUESTION AT ALL AND DID NOT FIX ANY ISSUES ON MY CREDIT REPORT!!!!!!!!!!!!! TELL ME WHY MY SCORE WENT DOWN 17 POINTS AND FIX THE ISSUES THAT WERE DISPUTED TO YOUR OFFICE. YOU SHOULD ALREADY HAVE THESE ON FILE!!!!!!!!!!!!!!!

MY CREDIT SCORE HAS DECREASED BY 17 POINTS AND I HAVE TRIED SEVERAL PHONE NUMBERS AND CAN NOT GET AN ANSWER AS TO WHY MY CREDIT SCORE HAS GONE DOWN. I WANT THIS ANSWERED IMMEDIATELY. THEY ARE ALSO KEEPING INVALID INFORMATION ON MY REPORT EVEN THOUGH IT WAS DISPUTED AND IS CLEARLY NOT VALID.
Company responded Experian Credit Reporting Agency said : Explanation of closure Thank you for submitting your complaint on XXXX XXXX, 2016, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 

We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that Experian is reporting inaccurate credit information on your personal credit report. You would like your names and incorrect addresses corrected. 

Upon further research and reinvestigation we were in the process of removing/updating variations of the disputed address. Upon completion, an updated copy of the credit report will be provided to you for review and confirmation. 

Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. 


I HAVE RECENTLY RECEIVED MY NEW EXPERIAN CREDIT REPORT VIA THE US MAIL, AND I WOULD LIKE TO KNOW WHY THE INVALIDATED, INACCURATE, DISPUTED INFORMATION IS STILL BEING ILLEGALLY DISPLAYED ON MY EXPERIAN CREDIT REPORT? PER EXPERIAN 'S RESPONSE, VIA THE CFPB PORTAL, WHICH IS LISTED ABOVE FOR YOUR REVIEW, EXPERIAN CLEARLY STATES THAT THE DISPUTED NAME, AND INACCURATE ADDRESS IS IN THE PROCESS OF BEING DELETED! SO I WOULD LIKE TO ASK EXPERAIN WHY IS IT STILL BEING ILLEGALLY DISPLAYED ON MY CREDIT REPORT? AS I AM SURE THAT EXPERAIN IS IN FACT NO DOUBT AWARE THAT RE-INSERTING PREVIOUSLY DELETED INACCURATE INFORMATION BACK ON TO A CONSUMER CREDIT REPORT IS KNOWINGLY AND DIRECTLY VIOLATING THE FAIR CREDIT REPORTING ACT LAWS! FAILURE TO REMOVE THE RE-INSERTED INACCURATE PERSONAL INFORMATION COULD RESULT IN {$1000.00} DOLLAR FINE PER UN-DELETED ITEM! 

I AM NOW DEMANDING THAT EXPERIAN ADHERE TO THE LAW AND COMPLETELY REMOVE THE INVALIDATED, INACCURATE, DISPUTED PERSONAL INFORMATION THAT WAS RE-INSERTED BACK ON TO MY PERSONAL CREDIT REPORT AS SOON AS POSSIBLE. 

THE FOLLOWING INACCURATE INFORMATION SHOULD NOT BE BEING DISPLAYED ON MY EXPERAIN CREDIT REPORT : ILLEGALLY ADDRESS BEING DISPLAYED ON MY PERSONAL CREDIT REPORT : XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX ILLEGAL NAME CURRENTLY BEING ILLEGALLY DISPLAYED ON MY PERSONAL CREDIT REPORT : XXXX XXXX NAME IDENTIFICATION NUMBER : XXXX AS I HAVE NEVER USED THE INACCURATE PERSONAL INFORMATION CURRENTLY BEING LISTED ON MY EXPERAIN CREDIT REPORT, I WOULD LIKE TO KNOW WHY EXPERAIN IS CONTINUING TO KNOWINGLY VIOLATE THE FAIR CREDIT REPORTING ACT LAWS BY CONTINUING TO REPORT THIS RE-INSERTED INFORMATION?
Holder of a savings account and a checking account died in XXXX, Massachusetts. The widow of the decedent filed probate and was appointed Personal Representative of the Estate, and requested of Citibank, N. A. that the accounts be closed. Citibank said they did not exist. We sent to them their own correspondence with the account numbers. Citibank then requested a notarized letter of instructions, to close the account. That was sent. Citibank has repeatedly asked for the same items sent to them several times, promises action when called on the phone, and the only response is another form letter. Citibank after saying the account did not exist, sent a letter saying that we had to act as otherwise it would be treated as a dormant account and apparently go to the State In response to my sending the package of back information and copies to the Director of Operations Support on XX/XX/2018, I received a letter dated XX/XX/2018 requesting a copy of the English translated death certificate, foreign letters of testamentary and a notarized letter of instructions, with an attestation from the United States Consulate. I called Citibank to remind them that this was a death and a probate in Massachusetts, was told that an account representative would assist me, and was left on hold for about 28 minutes until I realized that no one was going to pick up the phone.
Fraud charges have been filed, talked to agent, sent out response letter to Citi Bank and neve resolved my dispute and all fraud charges are still on my account. 
No body contacted me ever since I filed the dispute fraud charges.
Opened a XXXX charge account. Created a XXXX account and placed an order. Order was cancelled and account was locked, now can't use account. I opened a XXXX charge account. I placed a XXXX order and requested that the order be shipped to me using the same name, address and phone number that is on my XXXX store credit card account. My XXXX store card was successfully charged and then a few hours later I recevied an email saying my order had been cancelled due to " verification issues ''. I tried to log into my account and it said it had been suspended. I called XXXX and after waiting on hold for over an hour I spoke to someone who said they would put in a request to allow me access to my online account again. I received an email today ( XX/XX/18 ) saying that my XXXX online account could not be fixed due to " Verification Issues ''. So now I am left with a XXXX charge account that has been approved and opened by XXXX XXXX but the retailer ( XXXX ) will not let me shop at their store. Since XXXX did not contact me to help with their " verification issues '' I have no other option. I can only shop at XXXX with this charge account.
Enhanced Recovery is reporting a charge-off of {$99.00}. This debt does not belong to me and has been reporting on my credit file for 3 years and 11 months. My credit bureau indicates that the original creditor is XXXX XXXX XXXX XXXX. I do not have and never had an XXXX XXXX XXXX XXXX account. Enhanced Recovery is reporting inaccurate data on my credit file. Based on the FDCPA, a debt collector must notify the alleged consumer of the debt. Section 809 ( b ) [ 15 USC 1692g ] Validation of Debts. I was never notified of the debt, therefore I could not dispute the debt. Two violations have occurred, Violation of FCRA- Inaccurate Reporting and Violation of FDCPA notify consumer of debt.