WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX the following two charges were taken from my pre-paid Net Spend debit card. 

XX/XX/XXXX XXXX XXXX XXXX CA {$19.00} - {$13.00} XX/XX/XXXX XXXX XXXX XXXX CA {$19.00} {$6.00} I have never heard of this company nor had I purchased anything that would fit those amounts. I have had some computer issues so I did not see these until several days after they were posted. I was upset because the second charge resulted in an overdraft situation in my account. When I saw them I called the number listed with the charge. I spoke to the man who answered the phone. He did say the name of the company ( not XXXX ) so I asked him if XXXX was part of that company. He said that XXXX had gone out of business in XXXX and that he had no idea who was using that name to make charges. He said that he would give me the number of someone who might be able to help me. I called that number and spoke with a woman who, as soon as I mentioned XXXX and why I was calling, answered with her voice shaking. She repeated several times that she did n't know anything about what happened to XXXX or how I could contact them. I called the original number back and just got a recording, with no mention of XXXX. I then contacted the Net Spend Customer Service and spoke to one of the agents. I explained why I was calling and said I wanted to have these charges removed, as they were fraudulent. He took the information to start a claim. Having said that, I have been dealing with Net Spend for more than three years. I have had more than one claim started with their customer service department and, when I call to check the status a week or two later, there was no claim started. I have a list of incidents where I am totally amazed that they can stay in business. I have records of all of those and, if necessary, would be happy to send them to you. There is actually one that I will be filing another complaint to you for more than {$200.00}. On XX/XX/XXXX there was another payment of {$19.00} taken for XXXX and again on XX/XX/XXXX. This time I initiated a claim online on XX/XX/XXXX. Net Spend usually takes at least a month to investigate any claim and I have waited longer than that. To my surprise, I received a notification on XX/XX/XXXX that the investigation did not find any error in the transaction so the company would be keeping my money. I did ask if the fact that I never heard of the company and have nothing that I could have gotten from the company since I do not know what they sell was taken into consideration. I have not gotten an answer to that question. I also requested the paperwork of the investigation which I was informed today would take about ten days. That is four days longer than it took for them to decide I was not getting my money back. I am XXXX years old and on a very limited income so the amount close to {$80.00} will cause a burden to me. I have told Net Spend this more than once but it makes no difference. The vendor is always right ... not their client.
My loans are with Navient. They are a fixed amount for 25 years. I have been paying through autopay and have never missed a payment or been late for 8 years. I just received an email stating my loan was reviewed and the loan was " underdisclosed ''. They told me my payments would increase so that the loan would be paid off on time. We have a signed contract with fixed payment amounts and I do not believe they can legally increase my payments. Of course if I do not pay the increase I will be deliquent. Talking to them has been very vague and incredibly not helpful. If this is even true, it is not my problem that it was miscalculated. We have a contract. What can I do?
I 've filed a previous complaint (  XXXX  ) with you all and the status still remains open with no response as of  XXXX    XXXX ,2017  in regards to my  XXXX   XXXX   XXXX  account to be removed from credit report.  XXXX  out of the  XXXX  credit bureaus have removed it when I sent certified letters asking for the removal or proof of debt except Equifax. They have yet to respond when I sent the certified mail  XXXX   XXXX ,    2017  and they received it  XXXX   XXXX ,  2017 . I would like the account removed please. I also checked the licensing website and saw no authority for them to be collecting in the state if NC which was another concern for  XXXX   XXXX   XXXX .
Oakridge is the company name. All threats are about legal actio. It 's a male calling someone else and me but wo n't disclose any information he just threatens me. Listed phone number is  (   XXXX   )   XXXX . He never identifies himself. He is extremely rude and says he 's going to do a lien and law suit. Says he will see me in. Putt but had been doing this for a year now and I still do n't have any idea why. It 's ridiculous.
I pulled up my credit report and saw all of these unauthorized inquiries. I did not apply for employment with an of these organization nor did I request credit from any of these organization. Please Remove from my report. 


XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX  XX/XX/2018 XXXX XXXX  XXXX XX/XX/2018 XXXX  XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 2018
On XXXX 2017 my car broke down and has been tow by XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX , KS.XXXX After so many attempted to have estimated send to me and to find out the cost of the repair, without proper notification they hire attorney to put a lien on my vehicle and try to retitle the vehicle without my consent. 

XXXX XXXX XXXX, XXXX
I have asked  XXXX   XXXX  to review the way they have been reporting my credit to the  XXXX  credit reporting agencies. On  XXXX   XXXX ,  XXXX  they stated " we reviewed the account and found it was charged off on  XX/XX/XXXX  with the first date of delinquency being  XX/XX/XXXX . '' They further explain " based upon our research, we have determined that the information we originally reported was indeed correct. '' Federal law requires them to report with accuracy and integrity. They are not required by federal law to report any information.  XXXX    XXXX   has reported the charge off on my credit report for the past 73 months. A charge off is a  XXXX  time IRS write off on a worthless debt. Reporting the charged off every month does not meet the " integrity '' of the credit reporting. I spoke to  XXXX  in customer care on or about  XXXX   XXXX ,  XXXX  and she stated that " We do not remove information from the credit reports. We treat everyone the same. '' That tells me that I am not the only one that been effected by this type of reporting. I had  XXXX  credit cards closed by  XXXX  banks even though I had not missed a payment fo r two year s because of the way  XXXX   XXXX  has reported this account. I was turned down for a mortgage in  XXXX  of this year, not because of the charge off, ( after all it is 6  years old  ) but because  XXXX    XXXX   has reported it every month making it look like a new charge off.  XXXX   XXXX  bank has caused personal damage to me as I have been turned down by  XXXX  credit card companies,  XXXX  mortgage and my ability to rent a home.
In XXXX 2015, I asked Citi credit cards to review my XXXX XXXX account in accordance with the Servicemember Civil Relief Act. I was told that this credit card account was not subject to SCRA.
I have been receiving calls from XXXX repeatedly at my employer and on my cell phone. 

This person does not identify themselves, they simply say that they are trying to collect a debt. I have asked them repeatedly to stop calling and they continue. 

They have not said who they are, who they are collecting for and what company they are calling from. 

I googled the phone number and see many complaints about the same experiences I am having. 

I have no outstanding debt in collection and believe they are phishing for personal information.
Under distress I am filing a complaint against ( Creditors attorney ) XXXX XXXX for continuation of garnishment after completion of filing bankruptcy Chapter XXXX. The timeline of dates and monies will support the attorney has lacked to proceed with proper protocol to discontinue garnishment ; which is considered illegal. XX/XX/XXXX - Initial garnishment ( {$300.00} / 25 % of wages ) XX/XX/XXXX- Paid {$1500.00} legal services to file Chapter XXXX Bankruptcy XX/XX/XXXXXXXX Attorney filed Chapter XXXX petition ( garnishment total {$4300.00} ) XX/XX/XXXX - Attended mandatory court hearing ( informed trustee and attorney garnishment has not decease ( garnishment total {$5200.00} ) XX/XX/XXXX - I was contacted by my attorney office to inform garnishment has been resolved to expect post garnishment check within 10 business days from creditor XX/XX/XXXX - Contacted my employer Human Resource and XXXX XXXX I was informed by both parties no communication has been received to discontinue garnishment Also I contacted my attorney and explained the continuation of garnishment XX/XX/XXXX My attorney office called me to advise a check for {$310.00}. I refused to accept the check considering the amount is totally incorrect XX/XX/XXXX - ( Creditors attorney ) XXXX XXXX XXXX @ XXXX : XXXX XXXX ( spoke w/ XXXX ) Asked the following : What was the dollar amount of check issued for post garnishment? ( {$310.00} ) When was creditor notified of bankruptcy? ( XX/XX/XXXX ) When did creditor notify my employer to stop garnishment? ( In XXXX with no specific date ) After asking why the delay in stopping garnishment and incorrect dollar amount, XXXX became combative and indicated no monies will be given. Regardless of their unethical behavior until they receive all monies garnished. She emphasized no monies prior to filing bankruptcy will be given back. Although my attorney has requested the 90 days and I might the requirements. The called ended abruptly with no explanation of process and how this error will be corrected. XX/XX/XXXX - Called XXXX Garnishment XXXX @ XXXX XXXX XXXX indicated no release details and no modification status
I was trying to place an order on Amazon and was having trouble with the Internet ; because of this Syncb/Amazon made an Inquiry on my credit report. I did not apply for a credit card of any kind and I want this Inquiry removed from my credit report. This was all accidental due to problems with Internet. Please help get this Inquiry removed from my credit report.
I applied for a XXXXXXXX XXXX position at the company XXXX XXXX on XXXX. I was contacted a few days later with a scheduled interview. It was an online interview for 30 minutes. I was supposedly selected then a few days later I was sent a check to purchase office equipment for my home. I went to my bank on XX/XX/19 and asked the teller " do you think this is legit? because I am not familiar with positions like this ''. I was told that if the check goes in my account it should be good to go. XXXX contacted me and asked if I was ready, I said no because the money isn't in my account and they said it should be there by tomorrow the latest. I checked and it was there so I thought everything was legit. My next step was to go to my bank and get a cashiers check and take that check to Bank of america. I explained the situation again " does this seem secure because I am not familiar with this kind of business '' but I didn't receive any warning. I did all this by XXXX on XX/XX/19. The people were suppose to deliver the equipment to me by XXXX. Something told me to check my account. I checked, the funds from the check was gone along with that same amount from my bank account. I called my bank, they told me to go to bank of america and stop the check. I got there at XXXX and told them to please stop the check, something is wrong with this transaction. The lady at the branch told me that it was already scanned. Now here I am.
I contacted Enhanced Recovery Company LLC after i was attempting to enter into a new relationship with a mortgage company and discovered that this collection agency had an open past due account with the credit bureaus in relation to my ssn. I contacted the company via certified mail XXXX 2015. I received no response within the required XXXX days, so I informed the company via certified mail that they were in violation on the federal law FDCPA 807 ( 8 ). I began to call the agency multiple times as a desparate attempt to resolve this negative mark that is preventing me from my mortgage approval. I received the attached letter in XXXX 2015 and that is the last communication between myself and the creditor. I informed them with several letters and multiple phone correspondances that I need this account to be validated or removed NO RESPONSE!
On about XX/XX/18 I received a letter in the mail posted from ; Cavalry SPV I LLC, claiming they have a contract and that I owe them XXXX. This is false, illegal and unlawful. 
I have never come in to agreement with or produce a verbal or signature contract with Cavalry SPV I LLC,. This corp, Cavalry SPV I LLC, has inflicted harm on my estate, my interest, lively-hood ( job ) and XXXX, XXXX  which have received defaming correspondence as well and under false pretense levy illegal fines and present false claims to XXXX Superior court. This corporation is acting in bad faith and unlawful, as last I checked thru the credit agency 's this debt does not exist, further more this corp can not ever produce an original contract between parties, with this statement I would want a immediate cease and desist action, compensation for damages as follow ; 1. {$10000.00} per page in all correspondence, This is harassment. 
2. {$10000.00} per every {$1.00} seized from wages 3. {$120000.00} per instance ( 2 ) for pain, suffering and defamation., ( 2 ) -work-place defam/ Personal damages )
The following accounts are showing on my credit report that have not been legally validated and verified. The original creditor has not provided validation and the Court refuses to validate this debt as they can not find any record of it. Please verify and validate it or remove from my credit reports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA :
I dismiss ownership of this debt. The creditor even went as for as sending a picture along with my academic records to a debt collector ( separate cause for action ) alleging a sum that I do not owe. Debt collector in turn has been trying to collect on said debt to the point where after I successfully had the account in question removed from my credit, Conserve immediately re-entered it on my credit in a duplicated form which logically means that an account will be showing up as six ( 6 ) collections across the 3 credit reference agencies. This bullying tactic is contrary to the law and shall not be left unchallenged. Conserve ought to delete these derogatory accounts as a matter of urgency and return this disputed account to the creditor for this matter to be resolved. 

The documents submitted are at best inaccurate and at worse, fraudulent.
My debit card was hacked via PayPal several times between XX/XX/XXXX - XX/XX/XXXX with several unauthorized transactions made on my XXXX account. Duplicate accounts were made with my information. When I complained the charges were removed by XXXX. PayPal made unauthorized transactions to my debit card to match the fraudulent charges without my knowledge despite being in recent communication with them. That caused me not to have access to those funds in my checking account for 3-5 business days. 
I called to see why this was done and PayPal refused to give a satisfactory answer. They provided wrong information stating PayPal has never been hacked. They described making the unauthorized transactions as procedure. 
PayPal also denies their role in me being hacked. On XX/XX/XXXX I filed a complaint with the CFPB. Included in that complaint was demands that PayPal provide more information about the hack. I also demanded an explanation as to why my debit card was charged instead of my PayPal account. I also demanded PayPal explain why they chose to make unauthorized transactions to my debit card several times in the amounts I was hacked for without my knowledge. PayPal refused to provide appropriate answers, but instead chose to provide a statement about them having permission because I signed up. I followed up with a demand for a straight answer and PayPal ignored the demand as well as the CFPB. On XX/XX/XXXX my XXXX account was hacked the same way as my XXXX account. XXXX explained that a duplicate account was made using my information and was able to make an unauthorized transaction on my debit card. All of the hacks involved were done while PayPal was my payment option.
I trade in my Toyota Lease into XXXX XXXX XX/XX/17 i have the proof of the trade in, and the contract saying how much I will get for my lease. I paid my monthly payment for that lease XX/XX/XXXX, so after that statement close, I started to receiving my statements with no payments, so I contact Toyota Financial and they make me contact XXXX to get the check to pay off the lease, after to many proofs Toyota keep sending me late payments to me and the cosigner, I called them several times and they explained me that they need some papers, and i keep telling them that I was not the owner anymore. 
Thanks for the XXXX 's seller I get the copy of the check of the pay off of that vehicle XX/XX/XXXX then they asked for another paycheck and XXXX sent too XX/XX/XXXX. I have the proof to who they was talking but they never end to bother me. 

After 60 days or more I received one of the awful calls and then finally the lady told me that they had all the papers there but they never submitted on his companies, she apologize and close the loan. 

After to many months I decided to buy another car and my surprise was they showed me how bad was my credit and my history with that lease ofcourse I tried to explain but doesn't matter because now its on my record something that I didn't supposed to be involved, and after 20 good payments on that car and building my credit. I want to be erase from my credit report or someone need to fix this problem. 

Thanks
I logged onto credit karma and noticed in my hard inquiry report that there was a mark for national credit card airlines. Unaware of what this could be because I have no credit cards and I do not open any I decided I needed to call them. When I called national credit card airlines they then informed me that credit karma has put this mark in error on many peoples reports and I am another victim of credit karma doing this. They also informed me I have no account with them and that I needed to dispute this with credit karma. After realizing there is no phone number for them to speak to a actual agent I then researched other people who have became a victim to this and they informed me to contact consumer financial protection bureau to get it solved, there is no reason why there should be a hard inquiry involving national credit card airlines on  my account or on my report.
My mortgage was sold to Lakeview Loan Servicing/XXXX in XX/XX/XXXX. I have been having one problem after another with them, from not paying my homeowner 's insurance out of my escrow account and threatening to take out a very expensive policy on my home ( this has been resolved ) to failing to respond to or resolve a property tax error that is costing me hundreds of dollars every month in additional fees. 

According to XXXX, my estimated total annual disbursement amount is {$5400.00}, when it should be {$2700.00}. 

I first notified XXXX by email of the error XX/XX/XXXX. I received a notification that the issue was being forwarded to the tax team for review and resolution on XX/XX/XXXX. No one from the tax team corrected the error or contacted me to request additional information and the problem was not resolved. 

After speaking with a customer service representative XX/XX/XXXX, I emailed a copy of my tax documentation as instructed. In the meantime, my escrow account was assessed at XX/XX/XXXX and {$200.00} in additional escrow payments were added to my monthly payment. 

More than a month after reporting this problem, I mailed a letter with delivery confirmation, as detailed on the XXXX website, documenting the issue and providing supporting documentation. The letter was delivered on XX/XX/XXXX. According to XXXX, I should have received confirmation of receipt within five business days and a more detailed letter with a timeframe for resolution within 15 calendar days. I have received no communication whatsoever. 

I made one additional attempt to communicate with XXXX by phone on XX/XX/XXXX. The representative I spoke with spoke with his supervisor, who confirmed I have submitted everything required. I was told it had been escalated to the tax team and that I should not make my monthly payment until he called me to confirm the issue had been corrected. I asked that these instructions be emailed to me and was told they would ; I have received nothing. 

I have followed all procedures to communicate about this error and made every effort to resolve it with XXXX. At this point, I have to wonder whether this is simple incompetence or whether the company is illegally padding escrow accounts. Either way, I am trapped with this dreadful company until I am in a position to refinance my mortgage.
I have disputed this company known as ( Syndicated Office Sytems, also called Central Financial Control collection company same phone # XXXX ) these are the accounts # XXXX,XXXX,XXXX,XXXX, XXXX. I have called on many occasions I was asked what is your address connected to these collections? I said I have no idea, I do not know you they hung up on me. Other calls they say they can not speak to me because there is attorney name on file, after many calls I got my attorney 's office to call they did them the same way could not talk without my permission, they did say these bills are part of my insurance deductible, not true I do not have a deductible. They donot have address with these bills every address I give they tell me it is the wrong address or my phone numbers.Syndicated Office Sytems keep insisted I pay these debts that can not be proved they are mine. I am helpless & caught in a catch 22 please help.! It is amazing with the Hippa Laws they are able hold credit hostage with out truly being able to prove these debts are mine. XXXX has enabled all of this because they contributed to allowing 7 disputes this company has failed to send me any proof yet what is XXXX receiving to keep them iaacuratly on my credit file? My score can not get any lower, I have been denied credit and I am paying a huge homeowners policy .i want these inaccurate reports removed from my credit files ounce and for all Than you