WillisBack/dataset-financial-user-claim huggingface dataset:
Initial contact XXXX XXXX XXXX, an employee of XXXX XXXX contacted me regarding an account they are trying to collect on. I advised the employee said account has already been paid to a different collection agency. She advised there was no proof of payment and they had acquired the account now. I requested information from her such as company name, company address, and/or name of lawyer she was working with. She advised she could not tell me bc the lawyer would be interrupted with unnecessary calls and disturbances. She advised that she was a mitigator and I told her I understood that but needed to know that they were not scamming me. She gave me 48 hours to find proof of payment or they would be serving me for court and will be getting sued. 
XXXX XXXX, XXXX I sent an email to the employee with attachments of a bank statement and email from INITIAL collection agency we had paid showing credit card confirmation numbers as well. I called the employee to confirm email was received but she advised me that her secretary needed to go through the emails and have it forwarded to her ; she could not confirm right away. One week later XXXX XXXX XXXX I receive a call from same employee stating she did not receive email. The same email I initially sent was re-sent XXXX XXXX XXXX and again XXXX XXXX XXXX. I attempted to call the employee to confirm receipt of email but was unsuccessful. 
XXXX XXXX XXXX I received a call from a different employee advising that they still had no proof of payment on account and advised me to fax the information. XXXX XXXX XXXX I faxed same forms, as advised, and obtained proof of fax transmittal. That same day XXXX XXXX XXXX I called this employee to confirm she had received fax and she advised me her secretary had to sort through faxes and once she received it she would call me. XXXX XXXX I receive a call once more where the employee advised she did not receive email. I advised her she requested a fax which is what I sent and she corrected herself and advised fax was not received because the fax machine must be broken. I advised her I was given the same response by prior employee and this needed to get resolved because I have proof of payment. She advised I can text image of forms I have showing proof and gave me the same email address I have been emailing from the beginning. 
XXXX XXXX XXXX I submitted via text and email once more information they are requesting. To this date XXXX XXXX XXXX, I have no proof from them as to who they are, what company owns this 'debt ', and no written letter from them to collect this debt.
My name is XXXX XXXX. I am a business owner residing in California, U.S. citizen and had been the XXXX credit card holder 'Amazon Rewards ' issued by Chase Bank for a number of years now. On XXXX XXXX, 2015 I was involved in a XXXX in XXXX, California the city where I reside. As the result, my XXXX XXXX vehicle was totaled. Police arrived at the scene and I have a police report pertaining to that unfortunate event plus the witness statement to prove it. 
At the end of XXXX of 2015, I have received the bill/monthly statement from Chase Visa card and have immediately noticed charges that did not belong to me or were not made by me or were not authorized by me. I immediately called the number on the back of my credit card and I told them about unauthorized charges on my account. The bank send me the new card and apologized for what had happened. Then XXXX months later I received a demand letter for payment on the fraudulent charges. I called the bank immediately and asked why would I be responsible for those charges??? The bank said that they investigated the records and concluded that the charges were mine based on the following information : they checked my payment history record and pulled out random checks that were mailed to them for my monthly statements. One signature ( according to the bank ) matched to the signature on the fraudulent transactions that happened in XXXX, Hawaii. Despite the fact that person signed for that transactions was done by XXXX XXXX who ate at the hotel in XXXX at the same time of my XXXX and possibly made other purchases. I had an XXXX and have the Police report with pictures from the accident, my injuries, witness statement, my daughter being with me as well, legal contract with my injury attorney representing me -- -- Chase bank did not take into account believe any of it. I even had my attorney call the bank to confirm the fact that I was in XXXX, California and could not be in both, XXXX and XXXX at the same time.
XX/XX/XXXXPurchased mattress and mattress cover from XXXX XXXX XXXX  XXXX AL.XX/XX/XXXX Called XXXX XXXX XXXX to Pick Up and Return Misrepresented Items Sold to Me. Called XXXX and XXXX XXXX to Advise of Return and Credit to Accounts. XXXX entered a dispute claim and has subsequently credited my account for the taxes and delivery fees charged. XXXX has not credited my account despite adamant assurances by representative XXXX that my account balance was showing a {$0.00} balance ; that XXXX had no pending charges to my account ; nor any authorizations for charges by XXXX XXXX XXXX or any others to my account ; and, that no charges could be placed on my account once I authorized my account to be closed that evening as she recommended ( Note : My account is not showing that account was closed at my request, just that it was closed!!! )XX/XX/XXXX XXXX XXXX XXXX XXXX Driver Picked Up Misrepresented Items for return after I waited all day for them, because they do not provide a specific pick up time frame -- inconsiderate and inconveniencing the customer with their XXXX open pick up time.
XX/XX/XXXXXXXX XXXX Charged My Account for XXXX XXXX XXXX Items returned onXX/XX/XXXX, despite assurances otherwise. Balance owed of {$1400.00} showing up on Experian, not XXXX or XXXX. This has caused an adverse effect on my previously excellent credit scores and reports.
I am requesting that this balance due be corrected to reflect a XXXX  balance at XXXX XXXX, Experian, XXXX, and XXXX for the returned items that were misrepresented to me by XXXX XXXX XXXX ; and that my credit scores be returned or elevated back to their high and excellent levels prior to this deceptive situation ; and, that updated reports from all reporting agencies be sent to me and others accessing my reports within this time frame.
I also want to make other consumers aware ( Buyers Beware ) of the deceptive non-return policy of XXXX XXXX XXXX XXXX not wanting to pick up merchandise for 30 days ; the misrepresentation of the contents and feel of their merchandise in the store vs what is received. Also, the inaccuracies and untruths told by representatives at XXXX XXXX ; and the inaccurate reporting by Experian Credit Reporting Agency.
Your very prompt attention and cooperation in all these matters is most appreciated.
Sincerely, XXXX XXXX
In my review of my credit report, XXXX/CAPIOPART is reporting a collection debt to the credit reporting agency. 
I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA to report any collection debt to credit reporting agency in attempts to collect a debt without first notifying the consumer.
I called Citibank retirement services in XX/XX/2018 asking them if there were any fees in transferring my traditional IRA to an IRA with another institution. I gave my account number and all information. I was told that if the other institution requests the transfer with my consent there would be no fees. 
I was told to go into the branch to fill out the forms. 
I went into the Citibank on XXXX XXXX branch and asked again about the fees and was told there weren't any as long as they were not writing the check out to me and another institution was doing the transfer. I got the paper work and filled out the paper work and sent to XXXX the institution I was transferring the IRA to. 
I then receive proof of transfer from Citibank retirement services and there is a {$75.00} dollar charge. The transfer was done on XX/XX/2018. It is not stated if it was a wire transfer or check, but filled in the account numbers to my understanding it would be a wire transfer. 
I called Citibank retirement services on XX/XX/18 XXXX pm and spoke with the supervisor asking him to reverse the charges since there was no where online stating this {$75.00} dollar fee and I had called Citibank retirement services and went into the bank both times told there were no charges. The supervisor kept talking over me saying they had to send a check to the other institution and that's why. He also kept saying how there was no minimum to have an IRA with them. Ridiculous answer. There is no fee in most institutions for an IRA. I am giving you my business and depositing money. Outrageous attitude for a manager or a retirement plan. What does this have to do with me?? I transferred one traditional IRA to another and had the other institution handle this. Citibank didn't notify regarding the fee. Their customer service workers were unknowledgeable both over the phone and at the branch. Not a place I want holding my IRA. This is fraud pure and simple and this institution wasn't forth coming. I will be contacting an attorney and suing for damages. I should not have to pay this fee. If this was something that was sent in my welcome package 20 years ago this is still no excuse since my expectation is that when I call I will be told the information I need. They are also constantly changing polices. I should not be accountable for this fee and it should be reversed. I would also never open another IRA with this bank nor recommend anyone else to.
Debt buyer Cavalry Portfolio SPV I, LLC sued me to collect on a credit card debt they allege I owe to " XXXX - XXXX. '' They claim they are the owners of the alleged debt based on several assignments, but there is no assignment from " XXXX - XXXX '' or XXXX XXXX. The judge entered a judgment against me based on a declaration from a Cavalry employee. I now have an attorney helping me with an appeal. I am concerned that Cavalry can sue me for this debt because on XXXX/XXXX/15 the CFPB entered a consent order against XXXX saying that accounts from the time period they say I defaulted were inaccurate and fraudulent, and especially accounts, they obtained from other banks. It is unfair that XXXX ca n't collect on this account because they committed fraud and did n't keep accurate records, but now this company I have never heard of can. My attorney sent Cavalry 's collection law firm, XXXX XXXX XXXX XXXX XXXX, a copy of the order against XXXX and covering this account but they refused to stop collection. I have also been shown a copy of the affidavits of XXXX XXXX talking about how XXXX accounts held by XXXX during the same period as this XXXX were fraudulently handled. 

In particular the order at paragraphs XXXX through XXXX states that XXXX sold accounts like the one I was sued for, even though they knew the information was inaccurate and undocumented and that they " knew or should have known were unenforceable. " I do n't think its fair for Cavalry to sue me and get a judgment with no information about this debt other than a number they allege I owed to " XXXX - XXXX '', when the CFPB has already determined that XXXX is n't even allowed to collect them. I think Cavalry should be prohibited from collecting on any of these accounts that they knew were inaccurate and got to pay only " 5 % '' of the alleged balance and try to collect the full amount. The XXXX XXXX, 2015 CFPB order on these XXXX accounts found at XXXX that, " [ XXXX XXXX ] acts and practices of selling certain credit card Accounts to Debt Buyers that Respondents knew or should have known were unenforceable or selling such Accounts with inaccurate information or information inadequate to support the claims that Consumers owed the Debts and owed them in the amounts stated, caused or were likely to cause substantial injury to Consumers. And at XXXX, " [ XXXX ] knew or should have known that Debt Buyers would seek to collect on certain Accounts sold by [ XXXX ] that were unenforceable, had inaccurate information, or included inadequate information to support the claims that Consumers owed the Debts and owed them in the amount stated. " This is exactly what is happening to me and Cavalry should not be allowed to pursue this action against me or others like me, when XXXX is not even allowed to.
Their was fraud on my credit card. Capital one has reimbursed the fraud charges, but hasnt reimbursed fee and interest.
Payment was received & processed by the mortgage company, Nationstar, 2 days after the due date. This is only the first or second time we have ever been late in 15 years. 
They are charging an unbelievably high and incomprehensible late fee of {$100.00}.
I have an account with Coinbase.com where I have roughly {$50000.00} worth of cryptocurrency stored currently. I recently traveled to XXXX as a tourist and my account is locked as a result ( as of XX/XX/XXXX ). I can not get a response from Coinbase support to reactivate my account and restore access to my assets ; I have contacted the company approximately 15 times since my account was disabled, and provided all of the documentation they requested ( e.g., proof of residency in US, government ID, etc ). Coinbase has replied ( XX/XX/XXXX ) noting that they have escalated the issue, but I have heard nothing since, despite repeated follow-up attempts by me. I need reassurance that I will have access to my money restored immediately. Three weeks is an unacceptable amount of time to be waiting for a response on an issue that should straightforward to resolve. 

Case number : XXXX
On XX/XX/XXXX I mailed my request for my annual credit reports from all three ( Experian, XXXX, XXXX ). On XX/XX/XXXX I received my reports from XXXX and XXXX. Experian sent me a letter stating that I had already received my report within a 12 month period. Unfortunately XX/XX/XXXX is the month I requested my report last year the only reason it didn't get issued till XX/XX/XXXX was due to a delay tactic on part of Experian where they demanded unnecessary information in exchange for my annual report.
I have requested the original contract from XXXX, XXXX, and Experian on a collections account in my credit report. Each time I have tried to contact them dating back to XX/XX/2018 none of the three could verify that the actual debt was valid. Which leads me to believe all three, XXXX XXXX and Experian are all miss informing creditors of my information, and in violation of federal law.
I have filed numerous disputes both online and in writing with XXXX, XXXX and XXXX for the item below. I called the company reporting this on my credit and reported this as fraud and then insist the debt is mine and refuse to supply the information required by the FCRA section 609 and 610. I have no first-hand knowledge of this account and do not live in the state which the debt collector alleges I originated this debt and then attempted to shift the burden of proof on my for something I can't prove or disprove except that I can't have a pet because I have an XXXX against having a pet since I was born and therefore was perhaps an act of identity theft. The company suggested I get a police report and submit that to them except there is an issue with the police being unable to take a report out of their jurisdiction and when attempting to get a police report from an office in the jurisdiction where the act of originating a debt occurred since I'm not a resident can't file over the phone and must be in person. I can't spend money and take time off work to travel to South Dakota to obtain the needed report which may or may not be cause for this agency to remove the defaming item from my credit reports so I'm filing a complaint against all three credit reporting agencies for willful non-compliance of duty on the FCRA guidelines as they are supposed to prove the alleged debt is mine and if they can't must remove all references of it on my credit report. 

HAUGE ASSOCIATES Agency Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Retail Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  E Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$450.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$920.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information Please take whatever action needed to get these four agencies to remove the item from my credit report as this is not mine and it's keeping me from using my credit in the most efficient way. 

I have no knowledge of this company and never agreed to do business with them or their client noted herein and am being told to take action to verify something I have no firsthand account of but instead third-party foreign to me telling me what the matter pertains to. By law of agency and law of contract, I can not be bound to bear the burden of proof in this matter because I have given no consent for service of either of these companies. 

This matter has been disputed with the three credit reporting agencies for the last 2 years with letters and online disputes of which the credit reporting agencies can validate.
On  XXXX   XXXX ,    2017 I received a letter (  copy enclosed ) advising me that my  XXXX  Credit Card account had been closed effective  XXXX   XXXX ,  2017 . According to the letter " Our decision to close your account was based on information we received that you may have filed for bankruptcy ... '' When I questioned them who sent them this information, they said it was by me ( my name ). they insisted it was valid information. They took my information, credit card number and the last  XXXX  digits of my Social Security number, and said they would investigate and get back to me i n 3 to 5  business days.     I FEAR THAT THIS MAY BE A SCAM BUT MORE IMPORTANTLY, THIS COULD RUIN MY CREDIT RATING.     Please advise if there is anything I could do to remedy this problem.      XXXX   XXXX   XXXX
I have never paid this account late  XXXX   XXXX   XXXX  Account #  XXXX
Credit report was obtained without permissible purpose that is required by FCRA section 604. 
XXXX XXXX XXXX
REquest a new signle point of contact as soon as possible.

Rushmore continue give us a lazy, careless, unprofessional single point of contact ( SPOC ) for my account, I think Rushmore just want to foreclosure my property and make more money than want to help me, most SPOC Rushmore assign to my loan they did not do their job, they make it hard for everything, when I submit the loan mod they have many reasons not review them or they said that missing doccuments, Rushmore people think that thay above the law, whatever they treat borrowers the GovermentS, Authority Agencies, the Federal Deposit Insurance Corporation ( FDIC ), the Comptroller of the Currency ( OCC ), the Federal Reserve System ( FRS ), the National Credit Union Administration ( NCUA ) the Office of Thrift Supervision ( OTS ), will not know, View all links
customers talk about them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now they have another SPOC his name is XXXX XXXX, his office in California his phone number is XXXX, he said that my last payment is XX/XX/2016, Rushmore did not receive any payment from me from XX/XX/2016. That is not true, here are attached payments until it overdrawn when Rushmore increase payment from {$2900.00} to {$11000.00}. Moreover XXXX XXXX refuse to talk to my representative XXXX, even he did not know what he's talking about " he said that my last payment is XX/XX/2016, Rushmore did not receive any payment from me from XX/XX/2016 ''. Rushmore recorded the conversation, please review it for yourself. I am extremely disappointed and I do not know how to deal with Rushmore, they do not want to help the borrowers. 
I really need a new SPOC, I can not work with XXXX XXXX. Please help!!
I am a single mother of XXXX and of a military son. I had planned on buying a home, and now I ca n't because I am out {$4000.00} due to fraudulent activity. 

On XXXX XXXX, 2015 I was in the process of closing on a house. I was working with my realtor through email and phone during this process. It ended up that I wired my escrow money of {$4000.00} to a fraudulent account. The following is a detailed account of what happened. 

On XXXX XXXX, I worked with my realtor to sign the bidding paperwork for XXXX XXXX XXXX property in XXXX, VA. 

The next morning, I received a congratulatory email saying that the seller agreed to the bid and I will receive an email with the instructions for escrow and other documents. Later that morning, I did receive instructions and called my bank to proceed with the wire transfer. 

My realtor called shortly after to discuss me signing additional paperwork, then called again later in the afternoon to talk about escrow monies. I told him that I had already wired the money according to his instructions. He said that he never sent me anything today, and to stop and call my bank to stop payment. 

I did call my bank, and the bank where the money was being wired to, and neither party would freeze or hold the money to investigate!! 

My bank would n't do ANYTHING until I filled out a form, which, when I initially called to complain, no one, told me about any form, until my bank manager the following day mentioned it. I was told to make a police report, which I did. I NEVER, got ANY response from the local police to even say it was out of their jurisdiction. I feel really helpless in this situation. 

My realtor 's email was hacked! I want my money returned!!! That 's it!
In XX/XX/2018 I applied for a REFINANCE with my current mortgage company Freedom Mortgage.

However during the negotiation of terms and loan structure for the refinance, we, my wife and I did not agree with them and TERMINATED the process.

In XX/XX/XXXX, at the end of XX/XX/XXXX we received a STATEMENT OF CREDIT DENIAL letter from Freedom Mtg.

We did not complete the agreement for the Refinance, yet we were denied credit that we didn't apply for or agree to be considered for.

How is it that we didn't not finish this loan process and was denied before for we knew who we were asking or applying to for this refinance loan.

We were ask to submit all documents and we reviewed all documents and answered questions regarding documents and submitted explanations and answers for documents in question. 

IT WAS ONLY A NEGOTIATION AND A LOAN STRUCTURE IN ORDER TO GET APPROVED. WE STOP THE PROCESS AND FREEDOM MORTGAGE SUBMITTED OUR DOCUMENTS ANYWAY. WITHOUT OUR PERMISSION.
We were told in XXXX that we had been qualified thru USDA to purchase a home for {$160000.00}. We purchased a new build home and uprooted our whole lives to move to XXXX, NV and watch our new home being built. On XXXX XXXX we were finally doing our final walk-thru and would be in before XXXX. During that walk thru our lender called the sales agent ( not our agent ), to tell her we did not qualify because we are on income leveling. This means that when social security kicks in, ( in 2 years ), my retirement benefits come down by exactly what my SS amount will be ( {$XXXX} ). They told me that one underwriter had been fired and the new underwriter had dis-qualified me on that fact.
Deposited a paycheck in a chase checking account. 
My employer showed that the money was withdrawn from his account onXXXX XXXX,2015 and our account showed that the money was deposited but chase locked the account and we were unable to withdraw, wire transfer or use a debit card to access the money.
It has been 30 days since Experian received my dispute regarding XXXX. They are unable to verify the accuracy of the account, yet they refuse to delete it. In truth they have had 6 months to investigate.