WillisBack/dataset-financial-user-claim huggingface dataset:
I was scammed by a person on XXXX. They were selling me tickets to a concert. We were in communication for about XXXX hrs before the transaction. I sent the money via XXXX and they told me they received and asked for my info to send me the tickets. Which is surprising that XXXX is considered " authorized ' form of transaction when all you need is someones email? Thats the last time I have heard from them after several attempts. I immediately contacted my bank WellsFargo to let them know what happened and to have the transaction cancelled. I spoke with three different representatives who told me three different things : 1 ) I can provide them with a police report they will be able to help me, 2 ) I need to file a money movement claim with wellsfargo ; and 3 ) None of the above is true and no one can help me. Working with wellsfargo was incredibly frustrating and disappointing and i will never use XXXX again. XXXX is more secure than them.
Our alleged servicer/collector either purchased or had a debt transferred to them from Bank of America N.A on or about XX/XX/XXXX. XXXX has represented themselves as holders of the debt even after me the homeowner requested the proper validation of the alleged debt 2 times XX/XX/XXXX and 2 times XX/XX/XXXX without producing any present right to the debt or right of possession. They have also added approx {$10000.00} each month after the first request of the debt validation XX/XX/XXXX to intimidate and harass us. XXXX refuses to sign for the registered receipts and refuses to show any valid contract as to the amounts being added. Furthermore they filed a notice of trustee sale on XXXX asking for an amount of debt that is {$300000.00} beyond the amount stated on the deed of trust and secured, hence violating the FDCPA through their attempt to collect a debt through deceptive and wrongful actions. Lastly, they have reported private information and employed another third party to attempt the illegal disposition of the real property at XXXX XXXX, XXXX, ca XXXX in contradiction of the homeowner notifying them through a " cfpb '' disclosure that they were not allowed to disclose any information. This company and its holding company XXXX XXXX XXXX have brought a new level of fraudulent activity into the market place in order to be unjustly enriched through their violations of law, Federal and State. This is a request for an investigation of this fraudulent company and their illegal actions against XXXX homeowners that are now XXXX years old and are in constant harassment and intimidation by this company and their newly appointed " trustee '' and illegal collector of the debt employing and using Unfair, deceptive, and abusive Business practices which can be observed in their filing of Notice of Trustee which has never been verified and is in noncompliance due to violations of the law. The homeowner has identified over XXXX violations just on the Notice of trustee and the fact that this Notice of Trustee was filed without a proper Notice of Default being recorded. In addition this company has employed false documents and has recorded them with the county recorders office to show a false interest in the debt.
I had been emailing the collector and informed him that I was not responsible for the debt because management of the company had been changed and I gave them the name of the person who was. 

This debt collector used my sons phone number to call me with. My son, who is stationed in the XXXX XXXX and I hadnt talked to in a very long time and it was his birthday. So I thought my son got the chance to call me and it was the collector. He proceeded to be very insulting and I finally had to hang up with him. He called me names and was abusive.
I received a private student loan from XXXX, under false pretenses as a former student at XXXX University. I have written to CFPB about this issue several times already. However, I was informed by both the U.S. Department of Education 's Ombudsman, as well as the Florida State Attorney General 's Office to contact you again, due to the latest update on Private student loan forgiveness through the XXXX. I was recently contacted by the U.S. Department of Education that my Borrower 's Defense Claim for my Federal student loans has been approved, and that my Federal Direct Student loans will be forgiven. I now ask the CFPB to assist me with getting my private student loans forgiven with XXXX or Campus Student Funding ( CSF ), formerly XXXX. I will also like to be reimbursed for all out of pocket payments I have been making towards my private student loans to date.
I received a phone call at XXXX on XX/XX/XXXX from XXXX XXXX regarding an outstanding balance of {$5300.00} under my last name, social security number, and date of birth. The debt was missed payments by XXXX XXXX, the tenant, for an apartment at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I informed the representative that I did not co-sign for the apartment and have never resided at that location, or in the XXXX area. They asked me to file a police report for Identity Theft, which I did on XX/XX/XXXX at XXXX with the XXXX XXXX PD, Case # : XXXX, to start an investigation and sent a copy of the report to Hunter Warfield 's email along with a copy of two forms of identification and additional documentation. I also filed a report with the FTC on the Identitytheft.gov website. I had not heard back from Hunter Warfield through email or telephone, and never got an answer when I tried calling or left a message. On XX/XX/XXXX I received a Credit Report Update through XXXX that XXXX XXXX had flagged my account as UNPAID for {$5400.00} on XX/XX/XXXX.
A debt collection appeared on my credit report on XX/XX/2018 for an amount of {$130.00} dollars from XXXX XXXX XXXX. The original creditor appears to be XXXX XXXX. However, I have never been contacted about this debt and I have never had any business dealings with XXXX XXXX. I have bank statements and cell phone records to prove that I have never associated with XXXX but have not been contacted to validate the debt. As such, I am certain this debt has been erroneously attributed to myself.
I have been receiving this bill of {$1600.00} for years now. I was a MINOR at the time these services were provided, they were not only PAID by my parents insurance but the merchandise was RETURNED to the medical facility because they were DEFECTIVE. The debt is incorrect and not mine. I am XXXX years old now and I should NOT have to be responsible for paying for a hearing aide that I RETURNED and that NEVER WORKED in the first place. We were not supposed to be billed once we returned the product. This is a FALSE charge. I have made several attempts to remove this from my credit/record and have gotten nowhere.
Equifax is refusing to remove incorrect disputed item from my credit file, whereby I am denied Home Loan from lender, XXXX XXXX XXXX.
I have rcvd several phone calls from this company from several different phone numbers all times of the day they have called after XXXX and before XXXX. I told the company that I have moved to another state on a previous call before XXXX and gave my new address. and apparently they failed to update their system which is clearly mishandling this account. so this morning I received a phone call at XXXX XXXX from this company I told the representative on the phone that It was before XXXX and what address they have for me and she gave me the correct address and I advised her that it was a violation of the fdcpa to call before XXXX and I wanted to speak to a supervisor and her response was well are going to take care of this. I asked if she heard what I said and I was put on hold. A operations manager came to the line and again confirmed my address and I advised this is the 3rd time that I have gotten a call before XXXX or after XXXX XXXX  and I would be filing a complaint with the cfpb and she said they have their own complaint procedure and they will file the complaint. she again confirmed my address and immediately after continued to try and collect on this debt before XXXX after me saying several times that it is a violation of the fdcpa. FDCPA sub chapter 805 section ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, ( which this comapany had contrary knowledge because I gave them a new address and they failed to update records but still had it noted ) a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumer 's location
On XX/XX/2016. I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My loan was through XXXX XXXX. I went in did my paper work on the car they showed me and that I test drove everything went well. I left off the car lot Happy, I drove the XXXX XXXX XXXX XXXX for two weeks, and the dealership called me after two weeks on Wed, XX/XX/XXXX, @ XXXX to tell me that I had the wrong vehicle, They stated that the paperwork on the vehicle that I had Vin number did not match the paperwork I signed. That I need to get the vehicle back ASAP they have giving me the wrong vehicle. When I got back to the dealership, the vehicle they tried to give me, I did not want, so I left it there, but its still on my credit report and I can not seem to get it off my report. I also have a text message that the dealer sent me telling me that I need to call them ASAP.
I withdrew from classes at XXXX University with a documented medical emergency. The documents were sent in over-night mail to the main campus. The issue was not addressed and they did not respond to my correspondence. Instead they billed me for classes that I only attended ONE day. They sent information to the credit bureau in attempt to ruin my credit, this is what I was told. This happened in XXXX 2012
This letter is to complain about service I recently received from an M & T Bank branch in XXXX, NY. On Wednesday, XXXX XXXX at around XXXX XXXX, I had used the outdoor ATM drive-thru at M & T Bank, ( XXXX XXXX XXXX, XXXX New York, XXXX. ) Since I had dropped something on the ground. I backed up my car to retrieve it, and when I checked the ATM, it had swallowed my card. 
My bank card is issued from XXXX bank, my branch is at XXXX XXXX, XXXX XXXX, NY, XXXX. I immediately went into the bank branch to retrieve my card, and was told that customer service would not return my card to me. They told me that the bank policy is to destroy the card since it was from a non-M & T bank. 
I was very angry and frustrated. This did not seem right to me, as I had all of my identification and would have been able to easily prove that I was the owner of the card. This has happened before once or twice in my life, and the bank in question has always been cordial. ( This happened to my wife at XXXX last year using a non-XXXX  card, and the bank returned her card by the end of the day to her. ) Your employees at M & T bank, however, were rude, unreasonable, and completely unhelpful. Normal policy or practice would seem to be to help the customer. 
Although I have received a new card from my bank, I am not pleased about the service that I received at your bank.
Case number : XXXX Sirs, XXXX XXXX has refused to properly transfer the account from me to my wife, even though the divorce ( now final ) specifically states that she is solely responsible for that account. 

What can your office do to have XXXX XXXX clear up this problem. Please do not tell me that I may need to take legal action, as being on social security, that is not an option. 

Thank you for your time, XXXX XXXX
My account was reported to the credit in XXXX of 2014 for being late by Kohl's/CAPONE, I was not late with my payment. There system would not let me make my payment and  made a complaint about it. My late charges was removed and I was told I would not have it show on my credit report. Well they still reported it. for years I've been filling complaints, writing letters, calling and ects. and dispute on this matter and is getting fed up. I still have my account with this company and still hold this account in good standards with no late payments. This matter is damaging to my credit report and credit score. 
This is getting frustrating ... 
Please Help i am unable to submit any upload since I am using a public computer.
On XX/XX/XXXXI sent a dispute to Equifax for an erroneous account on my credit report and they never responded to me, period. 

I also sent two disputes to XXXX for the same thing. The first response I got from them saying that it had been updated/remains and that 's not what I asked for. Then, I sent a second dispute and they said they would re-investigate my dispute. Now something seems fishy about this because they never provided me with the info I asked for to begin with. 

I sent both letters certified plus I have copies of what I sent both bureaus.
I have a USAA Visa Credit Card. I started getting charged for two subscriptions that I never subscribed to. I called USAA about these charges and they were reversed for the XX/XX/XXXX, and XX/XX/XXXX charged. But to have the charges reversed, I had to have that credit card cancelled and a new card issued. I thought that resolved these problems. I was not informed that the companies would receive from XXXX my new credit card number, expiration date, and security code. But these companies did receive that updated information -- which I was unaware would happen -- and charges were continued. 

It is unbelievable that companies making fraudulent charges on a credit card would receive information about a new card being issued! 

Details are as follows : XXXX charges of {$7.00} on XX/XX/XXXX, {$7.00} on XX/XX/XXXX, {$7.00} on XX/XX/XXXX and XXXX XXXX charges of {$9.00} on XX/XX/XXXX, {$9.00} on XX/XX/XXXX and {$9.00} on XX/XX/XXXX. 

USAA has told me that to have the charges from XX/XX/XXXX and XX/XX/XXXX I will have to have my credit card cancelled again and have a new card issued again. I find this unacceptable. 

I spent hours on the phone trying to get in touch with XXXX and XXXX XXXX and was told that the accounts would be cancelled but they would not give me any information on how these accounts were opened with my credit card information. I
On XXXX/XXXX/2016, I contacted the payday Lender Big Picture Loans , LLC. I explained I either needed an extension on the pay date or change the payment type ( due to low or no funds in the acct listed on loan. ) The representative stated they could not change the date or payment type because that 's how its listed in the contract. I explained that the payment will be returned because my pay day dates changed. I notified my bank on the following days XX/XX/XXXX-XX/XX/2016 and spoke to several representatives from the bank regarding this payment and that I did n't want it processed due to no or low funds. The bank is also aware that I do not have overdraft protection and declined this service. This payment was processed and paid by my bank and now I owe and am overdrawn on my bank account with overdraft charges and fees. I spoke to a bank representative on XXXX/XXXX/2016 who stated that the payment was put through because it was an auto withdrawal, even though I told them not to put the payment through. 

I also just found out that Big Picture Loans is not authorized or licensed to operate or provide loans out of the state of XXXX, where they are located. 

Payday Lender is Big Picture Loans , LLC. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Bank : XXXX XXXX, XXXX
I wasnt aware that I had a previous balance on this card with purchase return I thought I had a credit balance and they charged me late fee and its not exceptable
I had a virtual wallet account with PNC Bank which i opened during end of XXXX 2015. As per the customer service and branch person 's instructions I was told that I need to maintain a combined balance of {$2000.00} into all my accounts ( spend, growth and savings ) - which i did to avoid any service charges. 

On XXXX and XXXX there are deductions of {$15.00} from my Spend account - why? I remember speaking to customer service last time that I need to maintain {$2000.00} as a combined balance in my XXXX account ( all across my XXXX account with PNC bank XXXX - which i did. then why the deductions??? It 's in name of some " calculated service charge type pr ''. And moreover when PNC have my contact details on file ( with alerts and notifications ) - email as well as phone # why did n't PNC called me up in case you are going to levy these kind of charges? 
They have made this XXXX account so confusing ... just to make money out of the customers by hook and crook.
I want to start by saying that I am very frustrated, because I am getting no help. Everyone is taking the situation lightly. I could have been embarrassed or worse arrested for this issue. I used an Wells Fargo ATM at the XXXX XXXX XXXX in XXXX. I withdrew {$340.00}, and was charged a {$3.00} dollar fee. this totaled XXXX. The machine distributed XXXX 4 XXXX - {$50.00} and XXXX 7 XXXX {$20.00} dollar bills. I am not a Wells Fargo customer and they are not willing to investigate, which I think is unfair. Whether or not I am a customer they put there product out there for non customers to use. Come to find out after giving one of the {$50.00} to my sister in law to make a deposit, it was fake. I can not let this issue go, I do not have money to give away, nor do I think it is fair that no one is sensitive to my issue. Counterfeit money is very serious, and I could have been arrested. I keep getting the run around stating that the atm does n't give out {$50.00} dollar bills but this day it did. I also know there is a ledger from day to day that shows the starting balance of the machine, and also the denominations that were in there. I am upset because I am being made to look like a liar, I do not need to go through all this aggravation for {$50.00} but it is mine. I also believe that if this situation goes unhand led there maybe other customers or non Wells Fargo customers who will experience the same thing.
I had a student loan with the Department of Education that had been sold or handled by the company " XXXX XXXX XXXX ''. I have paid my loan as directed to XXXX XXXX XXXX. now, my credit report shows that I have a loan for XXXX and the department of education. With the department of Education loan being in default. WHen I called the dept of education, they claim I have no account with them anymore and that I have to handle this situation through the credit reporting agency.
I have been harassed, threatened and charged fraudulent fees by a company ( OCWEN Mortgage ) that I do n't even have a mortgage with currently they are demanding that I pay them for insurance they supposedly purchased because I refused to make them loss payee on my homeowners policy. This all stems from this company acquiring my personal data from a paid off mortgage ( HELOC ) that I had previously with XXXX Bank. XXXX sold my mortgage when they went out of business to XXXX XXXX. I did n't want to do buisness with XXXX so I paid ( overpaid actually ) off XXXX XXXX Apparently, XXXX was in the process of selling off HELOCS to OCWEN and that is how they got my info. They assumed a credit balance of {$75.00} which was an over payment to XXXX Before I ever heard from them at all I began receiving robo calls from them demanding that I immediately remit " Zero dollars and zero cents '' immediately. That went on for weeks until I found the CEO of OCWEN MORTGAGE 's home phone number and began calling him. I have contacted them repeatedly for the first year and told them that I did not have an account with them and never would do business with them for any reason. I also demanded that they refund the credit balance that I overpaid to XXXX XXXX. The next year they began threatening to " purchase insurance to protect my loan '' ( which did n't exist ) and that it would " cost more than if I purchased it myself ''. By then I had stopped even opening the XXXX or XXXX documents then sent me every month for the past 3+ years. The lien on my deed has never been removed even though there is no balance remaining from the paid off, always pays as agreed status of that loan. This company is nothing but a criminal enterprise. At a minimum I want the deed to my property cleared. Jail time for the criminals that run that scam would be nice, and I would cooperate in anyway I can but that would be a bonus.
I was contacted through IC System regarding a debt that was owed to XXXX XXXX XXXX.Because I disputed the validity of the debt additional documents including a contract and proof they were authorized to collect was sent on XXXX XXXX, 2016. See Attached. The documents sent do not support IC systems being licensed to do business within the state of Georgia.
I received letter from a collection company, XXXX, saying that I owed {$5800.00} to Velocity Investments. I have never had dealings with this company nor do I owe any debt to them or anyone that I am even late on.

The letter says they will " settle '' for {$1400.00}.

I do not owe this company.

I want them to stop sending me letters and to stop phoning me.
On XXXX XXXX, 2017, while reviewing my XXXX XXXX XXXX report, I noticed an alert to a credit card balance with Discover in the amount of over {$3000.00} for an account ( no. ending in XXXX ). I immediately contacted XXXX and told them that I never applied for a credit account with Discover. I contacted Discover and informed them that the account in my name was fraudulent. I also filed a police report. Discover denied my claim of XXXX XXXX and Credit card fraud without providing me any information of probative value in defense of my claim. They indicated that I would be billed under a new account number. I sent a letter dated XXXX XXXX, 2017, requesting reconsideration of their decision, along with a request for information and documents. I also submitted compelling data in my defense : Indisputable data from my Bank transactions and Phone GPS tracking log, other info, that clearly show that I was nowhere near the location that the fraudulent credit card activities occurred. I demonstrated that I have an excellent credit rating and that my purchasing travel and payment habits have remained consistent for years. Discover refused to retract their decision and failed to respond to the request for information. Ultimately, Discover closed the fraudulent account ( no. ending in XXXX ), and opened a new account, ( no. ending in XXXX ) in my name, without my approval. Discover then transferred the approximately {$3900.00} balance from the fraudulent account ending in XXXX along with a transfer fee of {$140.00}. to the new account ( no. ending in XXXX ).
To date, I have filed claims with the major three credit reporting agencies : XXXX, XXXX, and XXXX, Discover, XXXX Md. Police., XXXX Inspector, FTC , MD Attorney General, and the FBI 'S Internet Crime Complaint Center.
I sent a validation letter to Phoenix Recovery Group on XXXX XXXX, 2015, requesting information regarding an account they claim I owe them. I received a response from the collection agency however they failed to provide proof on the account they claim I owe Phoenix Recovery Group. Therefore on XXXX XXXX, 2015 I responded to Phoenix Recovery XXXX requesting additional proof the account.
Have been in contact with all the 3 bureaus for over an year now to get accounts that do do n't belong to me removed with no success the only bureau that refuse to remove/update information is XXXX. The account that are not mine and are included in ID Theft Report # : XXXX which I have submitted a copy of Affavaidat and police report to XXXX and they still have failed to properly investigate and remove these accounts : XXXX XXXX XXXX ( 2 accounts ) # : XXXX, XXXX ; Illinois XXXX XXXX # : XXXX, XXXX XXXX # XXXX XXXX, and XXXX XXXX and XXXX XXXX XXXX this account is reported two times invalidly.