WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 parents received a phone stated that there was a legal matter that needed to be discussed with me. My father took the number down and relayed the information on to me. I called the number. Got sent to a voicemail that didnt even state the businesses name. Did not leave a message a few minutes later I received a call back. I spoke with a XXXX XXXX. She varified the last 4 digits of my social. She was very aggressive, stated I owed {$900.00} on an old credit card debt of mine. Stated that she could offer a one time settlement offer of {$220.00}. I requested a legal notification letter be sent to me via mail ( knowing that legally they have to comply if theyre legitimate ). She argued with me stating that they arent a collection agency they are a mediation company that owns the debt. After a heated discussion and speaking over each other a women by the name of XXXX XXXX got on the phone and said she would email me a letter of debt owed and an agreement I needed to electronically sign and reply to. I received the email a half hour later. This is the first time I found out the companies name as I couldnt understand what they called it before. The number showed up as a XXXX number on my called ID yet the business shows its in XXXX My last name was spelled wrong. It said I owed {$900.00}, but now the settlement had changed to {$320.00}. It all seemed very fishy. I blocked the numbers and reported the email as spam. I also checked my credit report and am working with correct agency to get my old debt resolved. 

The phone number they left and called me on was XXXX.
XXXX is reporting that I owe {$630.00} on my credit reports but according to there website and my payment schedule I only owe {$350.00} and therefore XXXX is reporting incorrectly on my credit reports.
Back in XX/XX/XXXX we started receiving bills and collection notices from XXXX in Illinois for charges incurred at XXXX XXXX XXXX XXXX XXXX IL and XXXX XXXX XXXX XXXX XXXX Illinois. We have NEVER resided at either of these addresses, nor have we incurred the charges mentioned. We have lived in Wisconsin XXXX  sinceXX/XX/XXXX and do not use XXXX services. We notified XXXX of this and they turned us over to XXXX XXXX for collection.
I was a victim of identity theft inXX/XX/XXXX and hired XXXX to help resolve this problem. I did everything as instructed, including filing a police report and sending all necessary documentation to XXXX to forward to both XXXX and XXXX XXXX.
This was done, and XXXX and XXXX XXXX persist in pursuing this debt, which was not incurred by me, and they are ruining my credit record. I will not pay a debt that was not incurred by me and I have done everything I can to clear this up. It cost me {$300.00} to get XXXX to pursue this and it has n't stopped.
I was contacted by XXXX XXXX of F.H. Cann on XX/XX/XXXX. I was advised that they are the current debtor that owned my student loan debt, which was defaulted on. She then advised me of a loan rehabilitation program, in which I would make payments for 9 months ( which had to be automatically paid from my checking account ), and after that time, my student loans would come out of default and I would be able to set up additional payments to keep them paid and in good standing every month. 
I advised that due to my employment status, I was not able to make any substantial monthly payments. After going through several questions about my life, she determined that I could make small monthly " hardship '' payments via their student loan rehabilitation program. 
I consented and she took my checking account information and emailed me some documents to e-sign sign, which I emailed back that same evening ( XX/XX/XXXX ). 
Starting on XX/XX/XXXX my checking account was charged this monthly payment. I was charged every single month on the XXXX day of every month. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - all were electronically, automatically charged by " XXXX XXXX '' ), after which time my student loans should have come out of default. Since that time, I have made numerous attempts to contact this company and have all but failed. I was able to speak to someone on the phone in XX/XX/XXXX who advised me that I had one payment left in XX/XX/XXXX ( which was successfully made ), and after that payment I would receive something from them in the mail stating my loans were out of default. I received nothing. I have since tried making contact with them, only to be transferred to several other companies who they now claim hold my debt. If another company owned the debt, they were required by law to advise me of that, which never happened. I made monthly payments to them and they failed to deliver on their promises. I now have a student loan that I have been paying on which is still in default and I have no idea if any of the money I paid actually even went towards my loans. This is deceptive as well as illegal.
In  XXXX   2017 I  pulled my credit report for all three bureaus to find an ope n CNBA Be st Buy account that was not mine on my credit report I sent a certified letter on  XXXX   XXXX ,    2017 (  signed for o n  XX/XX/2017  )  to the provided address on the report asking the company to please send me information that bearing this was indeed my account and to provide me with documentation that contained my signature and that the information they were reporting is being disputed. On  XXXX   XXXX  , 2017 the co mpany sent me a billing statement stating this was there proof. On  XXXX   XXXX ,    2017 after 31 d ays I did not receive anything bearing my signature so I rechecked my credit report to find the company had not placed the disclosure " notice of dispute '' on my account. I resent another certified letter on  XXXX   XXXX ,    2017 (  see attached ) signed for on   XX/XX/2017   asking them to remove this from my report since they had not provided me sufficient evidence showing this account belongs to me nor did they place the notice of dispute on my account within 30 days of my original letter  therefor v iolating the Fair Credit Reporting Act and the Fair Debt Collection Practices.. It has been almost 60 days and the notice still does not appear on my consumer report nor has the company responded to my lette r s  to provide evidence.
i called american express about some scam companies i paid for an at home business.they would only open up a few disputes for me .it really bothered me because services were not rendered.i know they can go back further than 60 days.the first charge happened on XX/XX/XXXX.for XXXXthe merchant was ie plexus.then i paid XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX how could they only help me with the last XXXX. american express declined to help me with the others.other people have told me amex has gone as far back as 2 years.ifeel i am being but off as a consumer.speaking about this in the same phone call they opened disputes for me all the way to XX/XX/XXXX.what am i supposed to think? on the third one the merchant was XXXX.they charged me XXXX on XX/XX/XXXX and they would not open it up.how can they open XXXX and not the other. the rules must be the same.i talked to a rep called XXXX who did not seem to responsive to my situation.amex is not treating me fairly .these companies have broken several laws, telemarketing and federal, yet there allowed to have a merchant account.
XXXX/XXXX/2017 Kohl's- {$560.00} 30 days passed due XXXX/XXXX/2017 Kohl's- {$0.00} 30 days passed due I spoke with Kohl 's about this issue, telling them my bank recently changed my debit card to a card with a chip and a new number. So the automated payment would not go through on my old card. I have never received an email, letter, or a phone call regarding this matter. I have never missed a payment prior to this with Kohl 's or any other company in the last 13 years. I 'm in the middle of buying a house and it dropped my credit score XXXX points for a {$52.00} minimum payment. I have paid the card off in full and I am trying to get them to delete this completely unecessary delinquent status.
Number called me saying im approved and that he needed my bank info and personal info to send me my approved loan. Then made me pay XXXX $ to a XXXX XXXX card and said i would receive my XXXX for sure but after i sent the XXXX $ he said i need to pay an additional XXXX $ for california to accept the transfer to XXXX XXXX, was all a big scam asked for my money back and no answer now.
I received communications from : XXXX XXXX XXXX XXXX XXXX XXXX. 
United States ( XXXX ) XXXX And stated that I owed money on online installment loan. I did begin payment on the debt they claimed believing that it was indeed valid. However as time went on with monthly payments they requested payments on an iPhone gift card. I have never ever had to pay any company for any debt with this method. It was very odd and raised an immediate flag. When trying to obtain information on it they went directly into threatening an arrest warrant and court procedure. I want to make sure this is a valid debt and if not report them for fraud.
Was told too put loans in forbearance with no penalty and now student loans are up too XXXX. Company reps are all liars. This has destroyed my credit. They promised me that no interest would be added if loans went into forbearance. Absolutely disgusted with this company.
My relatives have shar ed VM  's from this company  United Recoveries calling them telling them that armed police officers we re coming to my home to arrest me in  4 hours if I did not respond to them, I have contacted them to see who they are, hung up on me 3 times, and the last time they transferred me to a case manager I sat on hold for over 15 minutes only to be redirected back to the operat or again. They have no sent me any notices, they have called my niece and my husband with the same message, no clue who they are or want they want
I verbally asked Asset Recovery to remove my work phone number and to cease calling me at my work however they have continued to call me at work.
My complaint is against Green Tree Mortgage Company, soon to be XXXX XXXX XXXX A few years back, I was unable to secure homeowner 's insurance on my residence because the Homeowners insurance company said that my roof was too old. As a result, Green Tree forced an escrow on my account to pay for Corporate placed insurance on my residence. This year, I was able to have a new roof put on my home, and as a result secure full homeowner 's insurance on my home. I paid for the policy in full. I then called Green Tree and asked them to remove the escrow account since there was no longer a need to have forced Green Tree Corporate Insurance. What would the escrow be paying for if the homeowners policy secured outside of Green Tree was paid in full? Green Tree refuses to cancel the escrow.
this account was settled with original creditor ... never should have went to collections or charged off ... a grave error has been made, and it is affecting my reports ... no one will give me proof or present to me a contract ... this is false, and a violation of F.C.R.A. law and my rights ... Transunion, XXXX and XXXX  are declining to remove this account ... called creditor and was told that there is no knowledge of anyone verifying this account with either of the 3 credit bureaus ...
I had a collection showing from dollar loan center for XXXX dollars, that I have n't received a loan from them for the amount, I have n't signed o thing and I have n't been in the store at all, I used different store and I did pay any loan I received from this store. 
This is not mine, and I want them to remove it from my history.
I would like to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NAMG ( a creditor ) has apparently received an account of my elderly mothers ( XXXX XXXX XXXX ). Instead of following up specifically with my mother, NAMG calls my cell phone ( XXXX  ), my home phone ( XXXX ) and my wifes ( XXXX XXXX XXXX ) cell phone ( XXXX ), multiple times per day at multiple days a week from XXXX. I have never been a part of any credit application with my mother, nor am I or my family on any financial documents of hers. This is unwarranted harassment from a private business that I have no dealings with. In addition, this behavior of NAMG constitutes multiple violations of the Fair Debt Collection Practices Act. Section 804, # 3 : not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information. Section 805, b Communicating with 3rd Parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Section 806 ( harassment of abuse ), # 5 : Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number ; and # 6 : Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity. I am reporting this complaint today as they have now been calling us on the three numbers listed above for 2-3 months. NAMG is registered with the state of Florida as a foreign LLC, state ID XXXX and is domiciled in New York.
This is a debt, claim by XXXX XXXX which was suppose to have been sent to my bank as a refund. My Bank, XXXX, claim that they never received such a refund nor was it deposit into my account. Now XXXX is trying to collect money that I never received. I have contacted management at XXXX and they have informed me that they would contact the collection agency and have this collection removed from my credit report. This has not happen as of this date XX/XX/2016.
I am a victim of identity theft and I have an unauthorized and fraudulent account and inquiries listed on my Experian credit report. The following account and inquiries are unauthorized and fraudulent : XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX
We refinanced our home in XX/XX/XXXX. The mortgage broker committed fraud. Upon discovering the fraud we worked with XXXX fraud department to prove that, we were successful. Attempt after attempt was made to modify the loan. The mortgage meltdown happened and then the XXXX settlement. We had a XXXX and XXXX trust. XXXX did a trial mod on the XXXX. When we made the last payment on the trial mod, they then violated the XXXX settlement and gave servicing rights to SPS on the XXXX trust. After a year they then transferred the XXXX to SPS. There is no proper chain of title. The banks have further committed fraud and then filed for foreclosure and now are starting eviction process rather than waiting for determination on finding from CFPB on allegations. This agency is supposed to be XXXX that is here to help the consumers. I 've watched the video by XXXX XXXX, saying you are here to help. I have further documents, which I was told I have to file a new complaint rather than add to the existing complaint. That does not seem very efficient, but I 'm going to do whatever I have to make this story heard. The banks have waited for the " news '' to quiet down about the frauds and stealing people 's homes, and then they have gone back to business as usual. It 's time for someone to step up and stop them. These loans were securitized in XXXX. The notes have been lost or destroyed. The assignments were not done at the courthouse until XX/XX/XXXX, which is six years after the trust had closed. The Trust law states it must be done within 90 days of that closing date in order to be traded on XXXX XXXX. Then they claim XXXX is the keepers of the Record. XXXX as of today is still showing XXXX XXXX XXXX and inactive. They are not keeping the records concurrently which is yet another violation. These banks are just stealing people 's homes, and it must be stopped. I will say that we had diligently tried to work with XXXX and XXXX to modify these loans. By the time XXXX violated the XXXX Settlement, we knew they were not going to do the lawful thing. In going over my documents to send in, I note that they claim XXXX as the keepers of the record and Trustee, but on my loan documents it has XXXX with a specific address in Virginia, not XXXX. This whole thing has been fraud after fraud. I implore you to thoroughly investigate this case and STOP them.
INQUIREIS ON MY EQUIFAX ACOOUNT I DONT HAVE KNOWLEDGE OF FROM XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I JUST PURSCHED A CAR IN XX/XX/XXXX SO I DONT  KNOW WHERE THESE INQUIRES CAME FROM BEING THAT I ALREADY HAVE A CAR FINANCED A YEAR PRIOR AND THE COMPANY IM WITH HAS THERE OWN FINANCING. I HAVE REACHED OUT TO EQUIFAX AND THE COMPANIES WHO SENT THE INQUIREIS BUT HAVE NOT RECEIVED A RESPONSE AND CAN NOT GET THIS RESOLVED.
I recently noticed an inquiry on my account by credco, which I have never heard of, I checked my open accounts and haven't noticed any fraud, but I do not know who the company is, but I hope they don't run my credit again.
Around in XX/XX/XXXX and XX/XX/2018. I called in regards to lower my monthly payments. I submitted my pay stub from XXXX XXXX and I made {$12000.00} this year. After I applied for the income driven repayment plan, they decieved me and said that i could qualify for $ XXXX/month for a year. They lowered my monthly bill but only to the point that it calculates out that i made {$22000.00} that year. I did not make {$22000.00} .... i made {$12000.00} as stated in the pay stub. This is unfair and it should be based on my real salary. Please help me fix this.
XXXX did a back ground check on me and it showed up something that was not mine. I have never been convicted of a crime and i have never lived in XXXX AZ. I am XXXX year old and have never been in any kind of trouble. The case # is XXXX and is says it was a XXXX. 
Can you please get this fixed for me? 
Thank you, XXXX XXXX XXXX
Never received a bill from these people. Recently applied for a credit card and was denied due to past due payments. Pulled a copy of my report. This charge is dated XX/XX/2016. I have no medical bills from that time. Have written a letter to creditor requesting information. This debt is not mine.
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company and learned my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize the opening and charges on this account, and I therefore request that it be delete This account immediately. I also request that Sync /XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all 3 credit reporting agencies. just trying in the best way to get my financial life in order again. Account # XXXX
I made a mobile check deposit on X/X/2018 in the amount of {$890.00}. I paid a 2 percent fee ( {$17.00} ) for an " express deposit '' allowing the funds to clear immediately. PNC charged the {$17.00} but then still put a hold on the check. I called the next day and asked why and they said the check was flagged as fraudulent, even though I cashed checks from the same payer often and have never had any issues. The check cleared payers credit union within 18 hours, and payees credit union said check cleared normally. 
PNC claims XXXX held check, which is not true. XXXX XXXX XXXX paid check XX/XX/XXXX (  see screen shot of XXXX statement ). 

I am just asking for the refund of my " express deposit fee '' since I did not receive the " express deposit service ''. I paid for the funds to be available immediately but the funds were not. PNC admits this happened but is giving me the run around on a refund ( see screen shots of chat where they admit error and blame XXXX XXXX ). 
PNC at this point refuses to refund the {$17.00} fee. PNC has given me reference # XXXX as tracking for my complaint. Thank you.
XXXX XXXX XXXX - XXXX XXXX XXXX {$480.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XX/XX/2016 please remove accounts from my credit report.