WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX XXXX, 2015 around XXXX, someone called my sister n law 's phone looking for me and she told them that they have the wrong number. I called them back and spoke to a man who said that I was being accused of fraud for writing multiple bad checks and that I owed around {$5400.00} in fees. He said that I probably just made a mistake and that could settle this for about {$1000.00}. I told him that I needed him to send me something in writing to verify this and he told me that he did not have to because it was past the point of collections. I told him that the conversation would be over if he could not provide this information to me and he began yelling at me and hung up on me. When I came home i also received a voicemail from this same number just stating that there was a claim in their office and I needed to contact them back. On Tuesday, XXXX XXXX, 2015 at XXXX, I received another call from this number. I called this number back and spoke to a woman who identified this company as Direct Capitol and stated that she was not a debt collection agency, but a mediation agency. She stated that I was being accused of fraud for writing bad checks as well and I explained to her that I would need something in writing stating what I was being accused of and how much I owed. She said that if I did n't resolve this issue that I would be referred to the county for fraud. She told me that they had me on camera walking into a loan store and writing a bad check and that is considered fraud. I then told her that I did have a payday that I took out in the past that defaulted and that I tried to make a payment arrangement with that company and the company did not want to accept my arrangement. She told me that I could settle this for about {$1000.00} and I told her that I needed to see what I was being accused of in writing first. She kept insisting that I make a arrangements with her and I kept insisting she give me something in writing. After going back and forth she said that she was just going to send this in and that I needed to get an attorney and that I would be liable for about {$4000.00} and hung up on me. I have this conversation recorded on my phone and can email it to any party that needs this or I can replay it. I tried googling this company and found no results. This woman did have some information about this debt but was not accurate. I believe that this company has violated The Fair Debt Collection Act for accusing me of a crime for owing a debt and accusing me of writing multiple bad checks because I took out a payday loan that defaulted. They also are not representing themselves as debt collectors which is also fraud.
Dear CFPB, My fixed 30 year mortgage with VHDA when up from approximately {$2300.00} to approximately {$2400.00}. VHDA and XXXX XXXX reported to me that my mortgage was a 30yr fixed mortgage when I bought my new townhouse. Now I have been told by VHDA that my HUD insurance when up. VHDA told me to call HUD for further explanation. I called HUD FHA Resource Center and they referred me to CFPB to file a complaint to VHDA. I hope you can investigate my case ( FHA Case Number XXXX ) at your earliest convenience. I appreciate your assistance. 

Best, XXXX XXXX
I originally submitted complaint : XXXX. Basically, I thought the income difference between what I reported and what BofA reported was a result of the settlement with XXXX XXXX. In BofA 's response to this complaint, they sent the attached letter clearly showing it was a result of a foreclosure sale on the property on XX/XX/XXXX. My concern is that I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX and declared this property in the case. On XX/XX/XXXX I was successfully discharged. 

There are NO tax consequences for debts discharged in bankruptcy. So should NOT be taxed on what they did n't get at the foreclosure sale. The bankruptcy protects me from that tax. Here 's the link to the XXXX website that says that. XXXX.
There is an account on my credit report from XXXX that is not mine. I had sent a letter asking for validation they couldnt prove validation and said it was going to be deleted, somehow it got put back on without any acknowledgment and I disputed it again and all that happened was a summary put on my credit report stating account validated. How can they validate this? I have not received any kind of validation or proof of contract with my signature with XXXX.
On XX/XX/XXXX I tried to open a savings account with Discover Bank over the phone and they asked for pictures of my drivers license. On XX/XX/XXXX I called back and they asked for more documents. They refused to open the account, accused me of fraud and impersonating myself and then cancelled my application because I'm XXXX  and they didn't think my voice matched my XXXX XXXX, which is reflected on my drivers license as female.
Describe what happened so we can understand the issue ... 
On Friday XXXX XXXX approximately XXXX pst I attempted to send money to a friend of mine via PayPal. After sending {$270.00} to him he sent me a text saying he still had n't gotten it. I immediately pulled up my log and noticed that the name that I sent it to was not his, very close but not him. Turns out that the email he accidentally gave me was XXXXXXXXXXXX when it SHOULD have been XXXXXXXXXXXX, just one letter difference : (. I immediately contacted Paypal at XXXX pst ( 7 min from transaction ) and asked for their assistance. I got transferred around and after 24 min on the phone with them, they advised me that there was nothing they were willing to do but send an email to the guy asking to refund the money ( which they never did ) I could n't believe that they were so unwilling to assist me in this matter, even though it says on their site " Need to cancel? 
You can cancel your payment within 30 minutes as long as the recipient has n't received the payment. For a full refund, see the transaction details and select Cancel, or call Customer Service at XXXX. '' I did all of this and yet they were very unwilling to do anything. Please help, how can this be good business practice in anyway, I know the amount may not see much to them but to me it 's a lot! Just an FYI my friend that I was trying to send money to is domestic, but it appears where it went is international. 

Thanks!
On XX/XX/XXXX a representative from XXXX ( XXXX XXXX ) signed my return certified mail receipt XXXX ; for a dispute letter that I sent. On XX/XX/XXXX I pulled my credit report which is past the 30 day allowance which was XX/XX/XXXX. Barclays have failed to mark my account disputed which is a FEDERAL and STATE violation, to be exact Fair Credit Reporting Act Section 623 ( a ) ( 3 ) and/or Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the REQUIRED 30 day allowance.
I am not a minor. The bill collector called my parents and told them I was behind on my car and how much I owed. I contacted the company and advised them that they violated my right by calling a number they were previously told not to call and then have out my private financial information. They just did the same thing again. So they have been told multiple time not to call my parents, they still have, and now on two occasions have discussed my personal financial information and debt with them.
On XXXX XXXX, 2016, I enrolled in the services provided by XXXX XXXX XXXX. XXXX XXXX XXXX offers service against debt collectors. After contact was made with the debt collector ECMC on XXXX/XXXX/2016 by XXXX XXXX XXXX, the process began. ECMC sent to me what is labeled as " Validation of Debt '' on XXXX XXXX, 2016. I then forward the " Validation of Debt '' documents to XXXX XXXX XXXX the next day, XXXX XXXX, 2016. 
In the process of validating a debt, there are certain things that are to take place : 1. You must get written proof that your account has been sold or assigned to the CA 2. You 'll also get a copy of your current account payment history. This will help you verify the total amount you owe, including any fees being added to your debt. You should also find out how the CA has calculated these extra fees. 
3. A copy of the original contact. This is intended to prove to you that you agreed to the debt. If they do not provide you with a copy of the original agreement, the CA may also provide you with the account statements from the original creditor. 
If they validate the debt, the collector is required to send a copy of your agreement with the original creditor. This was not done.
Nearly 6 years ago I moved to anouther state .Informed XXXX XXXX. turned in equipment, paid last invoice. 4-5 months later a collection agency contacted me via mail and 20 phone call of a {$260.00} debt for early termination of service. I contacted XXXX and after many calls and explanations of reason I could not re open service at new home. they sent me a letter. stating we were good and would be removed from credit report and let collection company be aware. This happened. 
Until yesterday when I received notice from my XXXX monitoring .That a new collection company had reported the debt. 4 yeARS LATER. I contacted thee collection company and explained. first thing they were very rude and would not help me if idid not give them my full SS # and hung up on me 4 times when I said no, and we will have to look me up from name and address. after the 5th phone call I finally got a person to look up that way. Collection company is XXXX XXXX Ref # XXXX.
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. Bank accounts have been opened using my personal information by committing fraud.I am not responsible for any charges made to these mentioned accounts.According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this negative trade mark being reported to all major credit reporting agencies.  Thank you for your assistance
I have a TJX Rewards Credit Card with XXXX XXXX. I am preparing to refinance my house and wanted to improve my credit score ( credit score was XXXX ) so I decided to pay off all my store credit cards in XXXX. Unfortunately after making a payment ( {$250.00} ) to pay off the above mentioned account someone fraudulently accessessed my Paypal account and made several charges using my bank debit card. This caused several payments to be returned. I contacted Synchrony baby and explained what was going on and made payment that did process and paid account off in full. 
On XX/XX/XXXX I received a letter dated XX/XX/2018 from Synchrony bank stating my TJX account was closed due to the number of dishonored payments on the account. I immediately called and spoke to several customer service reps till I finally spoke to a supervisor named XXXX. I was told that if my Bank sent a fax stating that the returned payments were not non sufficient funds my account would be reinstated. I was given the fax number to the finance department. On XX/XX/2018 my bank manager sent a fax stating the returned payments werent not my fault because of the fraudulent activity on my bank account. On XX/XX/2018 I called to follow up with my account. My credit score has dropped to XXXX! Synchrony Bank adviced me that they recognize that the returned payments were not my responsibility or fault but will not be reinstating my account even after I did what they asked. So basically I am being double victimized. I was trying to improve my credit score an now its been decreased by over 70 points at no fault of my own. I could have made a minimum payment on my TJX card. I didnt need to pay {$250.00}. This doesnt seem legal. I didnt do anything wrong to have my account closed.
Purchased kitchen remodel with home depot XX/XX/XXXX. Promised this would take 1 week by salesman who was also a branch manager XXXX XXXX, and the scheduler when job was scheduled in XX/XX/XXXX. 
Required payment in full and we used their HD card w/24 mos no interest offer. Itemization of charges was requested but not given. Cost {$29000.00}. Job began XX/XX/XXXX. Extremely poor coordination of sub contractors resulting in 8 additional days of missed work for a total of 13 days missed work. Plus 2 days of unneeded kennel care when no workers showed up. This job is incomplete. The kitchen is missing 2 finish molding pieces and a touch up kit so the nails and seams show. The back splash was initiated XXXX XXXX and still is not complete. We have left numerous messages ( 10 or more ) w/office for manager or someone to call and help us and have no response begining in XXXX. We also filled out email survey listing complaints and no response. The tiler has been to our home 3 days disrupting our lives and NOT completing the job. There were 2 additional days he no showed for appointment. This is a small galley kitchen that has been in process for apx 20 weeks for kitchen reface/countertops/backsplash. Zero response from Home Depot to resolve this matter.
They lie my finds was not low I a copy of the which the credit union stated such, now the y claim I authorize the to pay over draft and I did not you can believe them if you like they have had more than 60 days as you well know can you help resolve this complaint a not.
I was checking my XXXX ID personal protection Today and there are several delinquent recorded debt information from creditor, some of which can't be verified, saying that there is adverse credit information from 7 creditors which some I know are credit cards but others can't be determine. 

This information was obtained from experian. 

As I indicated to you there as but and on going problems with creditors and banks, which has been filed.
I rented a car from XXXX XXXX XXXX Rental back in XXXX of 2014. I returned the car in the condition that I received it. The employee XXXX walked around the car, got the mileage, and I paid for the rental. 9 months later I received a bill XXXX stating that owed {$77.00} XXXX {$25.00} administration fee, {$25.00} loss of use fee, and {$27.00} in damages to the vehicle ). I contacted Budget and asked why 9 months later I was receiving a bill and how did they know that I was the XXXX that caused the damage. I was n't given a response as to why it took them 9 months. I was told that the reason they knew I caused the damage is because they are " a document based company. '' The representative also stated that the employee 's sole responsibility when taking the car back was to expedite the return and not check for damages. I was n't given any recourse to dispute the charges. I had my attorney mail a letter to XXXX requesting that they send documentation proving the damage was caused by me and I received no response other than a generic letter stating that I needed to pay otherwise the debt would be sent to collections. A few months later, I received a letter from a collection agency stating that I owe them the {$77.00} and that I have 30 days to dispute the validity of the debt. It is unreasonable to take 9 months to claim I had returned a damaged rental vehicle. I am disputing the fact that I had caused any damage to the vehicle and that XXXX should be required to alert the customer to any damage before they leave the lot. Otherwise, how can XXXX prove that the damage was caused by the customer? I am also frustrated with their lack of explanation regarding the damage and my rights to dispute the charges. I have A+ credit and XXXX is taking advantage of the fact that I do n't want my credit affected, so they feel they can send a bill without proof and I will pay it.
I sold some personal items on Ebay which owns PayPal, Ebay charges a 10 % fee for the service, they force you to deal with PayPal ( which they own ) in order to receive the funds. PayPal acts in the capacity of a bank, they receive the payment from the buyer and then process by wire to the seller. The problem is they charge a 2.9 % fee for their service. They do not inform the consumer of the amout of time for the transfer nor do they allow for alternate methods of payment that will avoid having to pay the 2.9 % fee. they received the payment from the buyer on XX/XX/2016, as of today XX/XX/2016 I have not yet received the funds, neither have they transferred to the Federal Reserve for wiring into my account. They are charging for services while earning interest on my money and not providing any refund or rebate on the fees, they act as a bank even though they claim they are not one. I want a refund of the 2.9 % fee since they have not provided any services for this fee, in addition this fee should be a part of the ebay fee charged of 10 % this is usury.
I paid of my mortgage in XXXX XXXX sum of {$85000.00} they deleted it with out my consent I never ever even disputed nor did I try they removed my paid of XXXX XXXX XXXX sum {$35000.00} as XXXX XXXX the deleted my ally loan sum of {$29000.00} as of XXXX XXXX then I called them yesterday told them on XXXX/XXXX/XXXX that there was suspicious phone number XXXX on my fraud alert hows that they did n't know I asked them would they please change it back they did they asked XXXX security questions only I would no you hade XXXX anser each question with XXXX correct answers I did that it was good they deleted the old number that 's not mine put in correct number XXXX that was there from when the fraud alert was put on XXXX XXXX he was trying too figure out how that happened as seen the some one added extended fraud alert with that new number trying too block me from my credit report its raised red flag with them they were nice enough too help me out I told them I got there credit monitor as yesterday XXXX/XXXX/XXXX too protect me know but we have problem XXXX inquiries within starting XXXX XXXX till as of XXXX/XXXX/XXXX I called them on XXXX/XXXX/XXXX added security freeze I have the new freeze number they removed the old one due too some one got my mail transferred are come buy checked it took it out and try too block me out please help me I hade perfect XXXX with transunion in XXXX XXXX too XXXX XXXX know in down too XXXX what happen my house was deleted my XXXX paid loans were deleted XXXX has the paid mortgage and the XXXX car loans that are paid in full as well I tried too share them with them they told me nope they do n't do that yes there supposed too do that that 's my loans I worked hard too pay off all ask of them too do the wright thing as worked so hard too keep some what good credit it took some one trying too steal my identity too crash it please help me I know who has are trying too do this thanks
XXXX XXXX continues to fradulently place my account in " dispute '' status, after I have requested for months for them to remove this dispute language. For the 30th time, I am not disputing anything in regards to that account. I received an e-mail from XXXX XXXX, whereby, she stated : " Per your request on XX/XX/2018, we requested that the credit reporting agencies update their records and DELETE the dispute status from your credit report. '' This letter was dated ( and will be attached ), on XX/XX/2018. So, I ask, why is the language showing that it's still in dispute when XXXX indicated it would be removed? Also, why was the original case closed, when my credit report was showing this account still in dispute?
XXXX, trans cra violation inaccurate infomation i enclosed in my report XXXX and XXXX po report enclosed aslo
I am contacting you with full authority from the consumer ... .I am filing this complaint from a Wisconsin car dealership on behalf of our customer. Here is what happened. Our customer lease a vehicle from US bank 3 years ago through our dealership. She wanted to buy her lease out and trade it in to our dealership as she was at the end of her lease. US bank told us that she had to go through a bank branch or it would be substantially more money for her to buy it out. So we told her to go to the US Bank branch that is across the street from our dealership. She did so on XXXX/XXXX/15 and she converted the lease to a loan and financed {$15000.00}. She then came over to our dealership after signing the loan documents with them and proceeded to trade the vehicle in to us and lease a different vehicle. Since the loan was so new it was difficult for them to determine the exact payoff but they told her that there would be a {$100.00} early termination penalty loan payoff plus {$1.00} per day in interest so we used a payoff amount of her loan of {$15000.00} even though it was confusing to us why they would even have a {$100.00} early termination penalty on a loan in the state of Wisconsin. Now they are telling us that we are short an additional {$78.00} and some odd cents which again does not make any sense and we tried contacting US Bank and they have no explanation for the difference. This customer is super upset and we do n't know what to tell her for the reason of the additional monies.
I had disbelief when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX*********** I was never late 30 days in the month of XX/XX/XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
On XX/XX/XXXX - Citibank charged me {$25.00} late fee, when I was a couple hours late with the payment, due to a computer problem. When I reached out to them for a courtesy fee refund, Citi refused  stating that there was already a fee reversal on this account in the past year. 
This is simply not true - the attached pictures show that there were no late fees in XXXX or XXXX preceding the late fee.