WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2016, at or about XXXX hrs CST, I received a call from an unidentified male claiming to be employed by XXXX, the number called from is XXXX. The caller said he was calling " in relation to a breach of contract in the amount of {$1700.00} with cash call USA. '' He said if I did not pay immediately, XXXX would take me to court, get a judgment against me, and then have me " jailed '' if I did not pay. It was then he asked for me by name, the only information I would confirm. Most of his information on me is VERY outdated. When I insisted upon them mailing me proof of this debt, the male caller began insulting me, using foul language, resorting to name calling, and actually at one point threatened me with physical harm if I did not pay him. 

I explained to the caller that I am XXXX, low income, that my income is derived from XXXX benefits, and that my state laws do not allow a judgment to be paid from that. He threatened agin to have me jailed if I do n't pay, and claimed to " know many ways of getting around the law to get what is owed. '' I explained that I would be documenting and reporting the call. This apparently upset him even more, though I doubt I would be allowed to post here what exactly he said. I told him to please not call me again without sending by mail proof of the alleged debt. He said he will be calling me every day " if for no other reason than to make my [ stream of foul language ], miserable '' until I paid. 

I wished him good luck with that, said goodbye, and terminated the call. An immediate internet search lists many pages about this company ( IRP ), with many reporting this is likely a scam. 

The alleged debt holder " CashcallUSA '' is an internet " payday loan '' business known to me. They alleged several years ago that I borrowed money from them in such a way, on a date and time, from a location, and in such a manner that makes this impossible. That business has already been furnished with evidence to that effect ( employer documentation, Driver 's Daily Log book entries to that effect, and various statements from those proving I could not have been the one they claimed borrowed money from them. I have also informed them of who might have stolen my personal information to take out such a loan who was in fact in the location on the date and time they claimed. That individual is a suspect in another identity theft issue involving the IRS and law enforcement ( reports filed ).
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/17 balance {$310.00}. XXXX XXXX  This was an XXXX credit card. I never had the card physical card. There was a charge or {$30.00} some dollars on it that I did not purchase. Then the late fees started to add up and now its {$310.00} for which I did not use. I refuse to pay for something I didnot purchase. And when I spoke to XXXX they said they closed the account and all the charges were resolved but then a few months later I get this letter that it went into. collections.
Chase Freedom card allowed charges in excess of the credit limit for a billing cycle. I feel the charges should have been declined. Credit limits are there for a reason, there was no emergency. They could have simply called. I think it is bad business practice and that consumers can be hurt by credit card companies allowing these charges in excess of the limit. Some consumers may not be able to pay these amounts and be in real debt. I am disappointed by them allowing the charges and further how they handled it when I spoke with them. I have been a Chase customer for a long time, usually they are good at monitoring and stopping charges, but they failed this time and didn't seem to care. They are not willing to do anything. 
I have bank accounts and credit cards with Chase that I may decide to close in light of how this situation has been handled.
I tried adding my card to XXXX XXXX  on XX/XX/2018. I got a message to call for verification. 
I called in, provided all the information I was asked to provide. 
Agent asked me for a home landline to verify my ID. I dont have a landline home number and didnt provide one when I applied for the card. I was told they cant use my cell number to verify. 
The other option was to verify using another card I have with Citibank. I dont have any other cards with Citibank! 
So now Im locked out of my account and the only two options I am given are either to get a landline phone number registered to my name or have another card with Citibank. 
Who thinks up these asinine rules? Landlines in 2018?! 
I just want to be able to use the card I applied for and was approved for.
I was receiving countless calls to XXXX ( my cell phone ) throughout the day and when I answered the person would either hangup or say hello and then hangup. I called back and every time I ask them to send me proof they hangup on me and I can't get through to anyone to resolve it. 
There is a {$410.00} charge I want removed and I want to be removed from their call list!
I have Reward Point with my ATT Universal Card which is now owned by Citi. 

I have tried to retrieve my rewards and the website will not allow me to.
I have several inquiries on my credit report that I did not authorize. on my XXXX and Experian. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I had contacted this company USA FUNDS to try to take care of my student loans which I decided within their timeframe that I did not want to do buisness with them so they sent me email of my cancellation but they still withdrew funds from my checking account which took months to get back & I have recently noticed they reported this on my credit which is uncalled for especially when I canceled before their timeframe was up.I decided to go thru a much better company
Has threatened me with my IMMEDIATE ARREST. This debt collection attorney has stated that a bench warrant is PENDING and it was going to be UNPLEASANT FOR ME. 

I AM A XXXX VETERAN. I have XXXX AND A XXXX XXXX XXXX. This situation has caused undue stress and hardship on me.
On XX/XX/2018, I was looking to open a business credit card account. I went to the XXXX website and applied for a XXXX XXXX XXXX Credit Card. I entered the business information and Tax ID number and I was also asked to enter my social security number. Below where I was to enter my social security number appears a note that it will only be used to identify me and it will not be a hard inquiry on my credit report. After I finished my application, I was immediately approved since I have an excellent credit score. However, I also got an alert from credit monitoring service that I had a hard inquiry from XXXX on my personal credit report. I called XXXX and they said it is a normal process to get a credit report from my business credit as well as my personal credit. I told the representative about the note on the website and he said he would report it to someone at XXXX and they would try to change that. I was so upset I closed my business credit card account with XXXX on that phone call. Now there is no way to remove that hard inquiry from my credit report and I am asking that XXXX enter some note or something in my report indicating that this was in error and the inquiry was for business credit, not personal credit since this lowers my score a few points. Also, I am going to refinance a mortgage on my condominium and it will look like I have some other hidden credit account that they may want information on and that would delay any refinancing I am applying for. 

I appreciate your attention to this matter. Thank you.
On XX/XX/2019 I sent 2 quickpay payments to the wrong number, one charge for {$160.00} and another for {$45.00}, therefore the money went to the wrong person. I contacted Chase customer service while the transactions were still pending in my account and asked them to cancel it, they then stated they couldn't do so since I was the one that initiated it, that it was my responsibility and fault for sending it to the wrong number, and that they were " sorry '' that I was out {$200.00}. The suggested I tried contacting the number that I sent the money to, which I already had done, I called and texted them asking them to please return the money, they never responded and why would they? Chase is allowing them to keep {$200.00} with no consequences. While I do understand that it was my fault for putting in the wrong number I don't see why they couldn't cancel the transaction since it was still pending. All I want is the money back, I've been with Chase bank for 11 years and have never committed this type of mistake in the years I've been using quickpay.
The collection company Pmab llc. Calls my phone with the number XXXX then calls with XXXX and then calls with XXXX all back to back. All are robot calls which are recordings. I have registered my phone number with the no call registry list back in XX/XX/XXXX. It happened on XX/XX/XXXX and XX/XX/XXXX. I don't own or admit to the debt. With my phone number registered for the no call list. There is a violation of my rights.
I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : XXXX XXXX XXXX / XXXX Credit Card
I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE FRAUDULENT COLLECTION ACCOUNT FROM CREDIT FILE. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX
I want to complain about Quicken Loans who holds my second mortgage. I was trying to refinance my first mortgage under the XXXX program to lower my monthly mortgage payment. 
Quicken refused to subordinate their loan although I have 75 % loan to value on the first and a combined loan of 95 %. I ca n't imagine why they are doing this. I declared bankruptcy about 6 years ago and could have included the second. I wanted to do the right thing and have continued to send my payment XXXX which became Quicken, over the years.
The inquiries illustrated below were not authorized and have been disputed with the respective companies to no avail.      1 )    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX      2 )   XXXX   3 )    XXXX   XXXX   XXXX    4 )   XXXX   XXXX   XXXX   XXXX   XXXX  )   XXXX   XXXX    XXXX  )  XXXX   XXXX  )   XXXX   XXXX    8 )   XXXX   9 )   XXXX   XXXX   XXXX
Experian has failed to provide valid proof that they verified the accounts in dispute. I 'm filing a lawsuit for all the violations. By law you can not have accounts on my credit report that you can not provide signatures for once disputed. Unless removed I 'm suing for all violations. Please refer to documents attached.
There is a  XXXX   XXXX   XXXX  account #  XXXX  reporting this is unknown, no contact information and no validation I have disputed now twice remove this inaccurate item off of my credit file
Why is Ocwen sending me statements for a mortgage paid in full and Why have n't they released the lien in my house? 
They need to collect the {$260000.00} and {$60000.00} from first XXXX and {$35000.00} from XXXX paid twice and arrow and ozark financial who had NO security interest in any property I EVER owned and any funds paid to XXXX after XXXX. ANY funds paid to XXXX XXXX that were not directly paid to the amount shown on the statements I received from them. REFUND WITH INTEREST ALL payments to XXXX XXXX or any payments made to my duplex at XXXX XXXX including escrow payments that are NOT included in the loan on my HOUSE. OR ANY Duplicate payments EVER made. By anyone to my property.and including any payments made to properties I DONT own. 
I had a {$260000.00} loan to which I paid {$360000.00} and {$510000.00} to the loan I paid off. 
I paid all of the principal balances back to all of the prepaid credit and interest ito the amounts added to my mortgages. I did n't owe interest on any escrow added back to my loan. The field adjustments added to the modification on my house were already paid to XXXX XXXX XXXX, XXXX XXXX and midland. I do n't want to borrow HAMP incentives and I want the payments I made to XXXX applied to the 2004 payoff and {$23000.00} I did n't owe XXXX and credit for the payments made to XXXX XXXX for the {$32000.00} field adjustments plus the {$9400.00} escrow and any other part of the {$41000.00} payoff on my duplex. 
I want credit for all of the {$49000.00} and {$18000.00} paid to XXXX and {$5700.00} + {$33000.00} paid to XXXX and {$24000.00} + {$15000.00} paid to XXXX I WANT CREDIT FOR ALL OF THE {$840000.00} cash payments I made to XXXX properties serviced by Ocwen ( for the final servicers of loans with ; XXXX XXXX and XXXX XXXX ). 
And the funds from the foreclosure of my duplex with any escrow used or paid from or by any of these servicers.
Hello, Chase is the XXXX lien holder for this file. The offer was made and present in XXXX 2014. In the process of Chase reviewing the file for XXXX lien approval, I was able to obtain XXXX lien approval and it has already expired. I have a log which shows how Chase has continued to delay this file. 
XXXX - package sent via faxXXXX- 72 hours to be assigned to XXXX -activated for short sale, assigned processor, set up in XXXXXXXX- UPLOADED OFFER AND SUPPORTING DOCS TASK COMPLETED. 
XXXX req status of short sale from neg via XXXX - req updated bank statements, paystubs and bpreapplXXXX- req updated b preappl - GETTING COND XXXX req lox for condional appl, req updated XXXX bank satements from s, uploaded otherdocs to eq and sent message to XXXX uploaded bpappl, and XXXX bank to library - sent message to neg that they were added. 
XXXX rq status via eq - pending bpo and then to qc for reviewXXXX- req status via XXXX - req status via XXXX req status via XXXX in with investor for XXXX processor assigned, if anything needed they will ask, otherwise it will be asinged to neg. 
XXXX -- XXXX we are waiting for a negotiator to be assigned, all the docs that we received on XXXX are uploaded and in the file library. She was going to message the processor on the file to let them know that we need to get this moving since we have the XXXX mortgage approval. 
XXXX reached out to XXXX reached out to manager again. all tasks completed, not sure what the holdup XXXX - uploaded XXXX - sent request for status.. 
XXXX - internal em sent to neg/susp. 
XXXX sent message in XXXX - need buyer XXXX - uploaded buyer POF, requested status and XXXX - sent reqeust for status in XXXX resent buyer POF, lender ordering XXXX - several does NEEDED from XXXX but buyer is threatening to cancelling the deal
I earned reward points on my XXXX XXXX XXXX Card. Those points became available on my account on XXXX XXXX. I applied for an XXXX XXXX XXXX card in XX/XX/XXXX. Because of Platinum card signup fraud, UNRELATED TO MY ACCOUNT, XXXX XXXX froze all of my reward points including those I had earned on my Gold card. I was not informed of this freeze. I did not receive any communication about it whatsoever -- no phone, emails or texts. I called XX/XX/XXXX to resolve this issue. The customer representative had told me that my points were frozen as of XXXX XXXX and my account was under review for 6-8 weeks beginning XXXX XXXX. I called again on XXXX XXXX to get a status check on the account review. This time the representative told me it is under review 6-8 weeks from XXXX XXXX, when I had called in. I called in again today, XXXX XXXX, and was told that I reached my spend threshold on XXXX XXXX and that my account would be under review for 6-8 weeks from XXXX XXXX. Every time I call in, they push my review out further and further. I am frustrated that 1. I was not informed that my points were frozen, 2. I can not get a straight answer of why my account is frozen and when to expect a resolution. 3. no where in my cardmember agreement does it say they can freeze points on an account unrelated to the one they are investigating and 4. the flight I needed to book with these points is no longer available. This is costly to me because I will have to book the ticket with cash ( which costs more ) and the seats are no long available so I will have to take an additional day off of work to travel.
I have asked ARS Account Resolution to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Since XX/XX/XXXX I was on a repayment plan with XXXX XXXX XXXX  that was to end in XX/XX/XXXX. The payments were for XXXX  due to the fact that I also had monies in suspense. Now that the re payment has been fulfilled, XXXX XXXX XXXX is stating that the repayment plan was set up incorrectly with XXXX XXXX, whom is supposed to be a " dedicated loan specialist. '' XXXX XXXX is reporting to the credit bureaus that at this time I owe sinceXX/XX/XXXX. This is incorrect and I have fulfilled the five months and total amount due of XXXX. XXXX XXXX has claimed today, XX/XX/XXXX, that the repayment plan was set up incorrectly- they should have certainly noticed this during the five months they have been receiving the funds for this repayment plan. If, indeed, their representative set this plan up wrong this is their error, not mine. I want the credit fixed and updated on my credit report reflecting current. Furthermore, if they made a monetary error, as well, this is their error, and they need to fix it, whether that money has to come from their bank or their representative I do not care. This is their error to fix and correct promptly. I am currently trying to receive a car loan and XXXX XXXX is the only company that does not have me current on credit reporting. Now that I am current with XXXX XXXX, they need to update the credit ASAP.
i have tried several times to talk to them. They have refused to supply me with the social security used.i have sent a dispute letter and they say they didnt get it but refuse to send me another XXXX. All my credit cards and loans are paid on time and i am not late on XXXX of them. Please help me this company is ruining my company.
Equifax is reporting some public record of a judgement of {$7000.00} on my credit report. This is not mine and should be deleted. I have submitted a dispute with Equifax about this but, it still appears on my report.
After filing bankruptcy and getting correctly discharged, I was told by my lawyer that I was eligible to have my student loans deferred within a forbearance for up to 5 years. My lawyer stated that this type of forbearance was sent in seeking the full 5 years. This was completed at the start of my Bk on XX/XX/XXXX then on XX/XX/XXXX I received a message that my payment was pretty much due immediately. XX/XX/XXXX. I immediately called regarding this, Luckily I still knew my account information log in and checked my old password because one would think something as serious as this would be more of a notice AND sent within mail correspondence. 

They have my correct number and address but choose to send me an email instead. I am having problems with XXXX XXXX : 1 ) the above is where the deceptive practices began. 
2 ) next after speaking to their customer service rep they simply told me to send in my bankruptcy paper work and they will get back with me. ( Saturday XX/XX/XXXX ) 3 ) I called back on Monday XX/XX/XXXX because the payment was due very soon. At this time the other rep had no idea of the my very sensitive paper work went to and who was reviewing it. Then advised me to also apply for a general 3 month forbearance. No one knows what they are doing! 
4 ) XXXX is attempting to ruin my fresh bankruptcy because which will cause direct harm to my financial lively hood due to their unprofessional, disorganized approach to handling my profile. 
5 ) this loan showed discharged in bankruptcy within my discharge paperwork.
XXXX acting as a Debit Collection Agency failed to validate their claim for the account which they were attempting to collect a debt, Capital One Account : XXXX their Case No : XXXX, as required by the Fair Debt Collection Practices Act Section 809 [ 15 USC 1692g ]. The debt has been disputed thus XXXX were required by the FDCPA to cease collections until the debt collector obtained verification of the debt and said verification is mailed to the consumer. Validation was never provided. XXXX failed to cease collections and filed suit in small claims court violating Federal Law. 

The only document provided to the consumer was through an attachment to the suit, filed in small claims court, Complaint - Breach of Contract referred to in the complaint as " the Agreement ''. " the Agreement '' fails to meet the litmus test for validation. " the Agreement '' consist of pages XXXX thru XXXX of a PDF that can be downloaded by anyone at the url XXXXIn the matter XXXX v. XXXX, XXXX XXXX XXXX ( Ind.App. XX/XX/XXXX ) : According to this case, the debt collector must, at the very least, provide a full payment history and an explanation of how any additional fees were calculated. 

In the matter XXXX vs. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ) : " It is unfair to consumers under the FDCPA to hide the true character of the debt, thereby impairing their ability to knowledgeably assess the validity of the debt. " Although these cases differ in nature they confirm at a very minimum an itemized accounting of how the total amount of debt was calculated including fees and interest should be included in a debt validation. Additional debt validation should include account statements from the original creditor, payment history with the original creditor or a copy of the original signed contract between the original creditor and debtor. 

XXXX having provided the consumer only a PDF that they refer to as " the Agreement '' by means of attachment to the complaint failed to meet Section 809 of the FDCPA [ 15 USC 1692g ] therefore invalidating their suit Complaint - Breach of Contract. Plaintiff 's Counsel was forbidden under Federal Law and precedence set forth in Case Law to proceed with the suit Complaint-Breach of Contract. XXXX XXXX County Florida Small Claims Case XXXX.
Sent the below to Senior Executives of Wells Fargo Bank, and this is a cc to you, CFPB. Thank you for helping us. 

We will continue our efforts to connect with Wells Fargo 's senior management to communicate the following : 1. We 've been trying to have Wells Fargo review the foreclosure/modification of our loans for many years, to no avail. 
Multiple QWR 's have been ignored. We 're still waiting for complete copies of our loan documents for both loans that we are legally entitled to ; most importantly, copies of the governing documents for XXXX ( i.e. XXXX XXXX XXXX by-laws, article, budget, minutes of homeowners meeting, etc., etc. ) which a group of XXXX loan agents had approved and the XXXX loans that were underwritten by XXXX XXXX. 
2. Investigation and review of such egregious violations may lead to identifying individuals that are breaking the laws for their personal gain, in particular, through their relationship with XXXX. 
We look forward to hearing from someone in senior management and/or someone from Wells ' Legal department.