WillisBack/dataset-financial-user-claim huggingface dataset:
on XX/XX/XXXX so called debtcollector XXXX XXXX the agent is XXXX XXXX called me threatened me said i owe {$11000.00} to XXXX XXXX. 
i know nothing of this threatened to freeze my accounts and take assets by today. put phone down on me, very rude, trying scare tactics. said i know of this. i havnt had any emails nothing no post totally innocent of what hes trying to say. 
yes i did have insurance last year. from XX/XX/XXXXto XX/XX/XXXX, XXXX XXXX   were my agent XXXX  XXXX was theres. 
they uped my policy without asking me or my knowledge they canceled my policy XX/XX/XXXX. i told them its not worth me keeping policy not profitable if you asked me that you were going to put policy up i would of told to cancel. 
someone in the company didnt do there job and tell me by the end off XX/XX/XXXX i was owed back money i paid out. based on bank statements. but no they increased my insurance plus more so i owed more? 
without my consent havnt heard nothing until now. 
with threats to freeze and take assets. 
by today. 
please advise, is this a scam. 
they left voicemail from anumber XXXX XXXX XXXX. 

thank you XXXX XXXX XXXX
Our mortgage is with Wells Fargo Mortgage and I had chosen to the property tax deferred program for my yearly property taxes. This is the 3rd year in a row that I have done a tax deferred program since I am XXXX years old. 
On XX/XX/2018 I received a letter from The Dallas Central Appraisal District stating that they had received and processed our Tax Deferral Affidavit and it had been approved. On XX/XX/2018 I sent a letter to Wells Fargo Mortgage along with a copy of the letter I had received stating that I had been Tax Deferred. On XX/XX/2018 I received a letter from Wells Fargo saying that they were going to pay my taxes, this is after I had sent them a copy of the letter from The Dallas Central Appraisal District. I continued to receive letters from Wells Fargo Mortgage demanding that I pay the taxes and I continued sending them letters stating that I had been approved for Tax Deferral. I also tried calling them and spoke numerous times to many different people that I kept getting referred to speak to by whomever I was speaking to originally. These people were supposed to have been resolution specialists for Wells Fargo and they were totally worthless! I noted 5 different specialists whom I spoke to, XXXX XXXX, XXXX ( don't have his last name ), XXXX XXXX, XXXX XXXX, and the fifth one was XXXX XXXX. All of them said they would look into my problem and call me back and not one of them ever returned my call. 
Their letter said that they had paid my taxes for me and wanted me to pay this back to them when I NEVER agreed to doing this nor would I have agreed to it being that I had been legally tax deferred and had a letter to prove it. Wait until you hear this!! They wanted me to put into my escrow account to pay this back the amount of {$12000.00}, and if I had paid my property taxes it would have been {$7100.00} so they were going to make off of me an additional amount of {$5100.00}. So in other words they wanted to increase my monthly mortgage payment from {$1900.00} to {$2500.00} starting XX/XX/2018, that is absolutely robbery and not legal to do! I have always paid my mortgage on time and been a good tax paying citizen all my life. I started and own XXXX XXXX XXXX and have owned it now for 50 years and I believe I am in the top 5 one owner XXXX  companies in the state of Texas and possible even the southwest. I have been a member of the XXXX  for over 16 years with an A+ rating, I do not deserve to be treated in such a disrespectful manner, I am no XXXX! In doing research online about Wells Fargo I could not believe they are already are being fined a XXXX dollars in lawsuits, what does that tell you?! I want to complain to the Federal Regulator but was told to complain to your company first.
Equifax mishandled my and many others ' personal information including our social security numbers, phone numbers, addresses, and more, leaving us vulnerable to identity theft. Their cybersecurity is insufficient.
I had a no contract service plan from XXXX  in XX/XX/XXXX. I cancelled service inXX/XX/XXXX and followed the steps outlined by XXXX  to return their equipment ( cable box ). I had XXXX XXXX   on XX/XX/XXXX. Throughout XX/XX/XXXX they ( either XXXX  or the debt collection agency they hired - I don't remember ) continued to call me almost daily before XXXX XXXX. They did not leave a voicemail. I was not capable of handling this at that time because I was in recovery. That's why I took care of all my business before the XXXX. In XX/XX/XXXX I finally called the number back that had been calling repeatedly and was told that they are attempting to collect a debt for the equipment. I let them know that I had already sent it in and provided proof ( shipping information ). I also called XXXX to verify this information and to make sure this was settled.

I did not hear from them again until XX/XX/XXXX of this year ( XX/XX/XXXX). They ( collection agency - I'm assuming Virtuoso but I'm not sure ) called several days in a row but did not answer when I picked up or leave a message if I let it go to voicemail, so when I had time I called the number back. They told me they were trying to collect a debt for equipment for XXXX. I informed them that I had never owed that debt and that it had been taken care of with a collection agency and with XXXX. They told me to file an appeal on their website, which I did right away. I don't remember the website. The calls stopped at that time.

Now ( XX/XX/XXXX ) I am getting daily calls from XXXX. I answer, the line is blank. I call back immediately and it says the line will be connected to an agent. It rings then puts hold music on, then says that I've reached them outside of their business hours ( I just called at XXXX XXXX CST on a Thursday ) then says stay on the line to use their automated system to pay the debt, then hangs up on me. Before that it gives a website to pay the debt that they're trying to collect ( XXXX ). The options there are to log in, create an account, or " XXXX XXXX. '' I am not going to set up an account and give them more of my personal information - I can't even reach a person to find out who it is, why they're calling, or if they even have the right person. Since XXXX is the only company that would be feasibly trying to collect a debt from me, I am assuming that they hired Virtuoso to collect this debt that they keep claiming I owe.
I have submitted Request for Verification of this debt via Certified Mail Return Receipt, which was signed by XXXX XXXX on XXXX/XXXX/2016, I have not received any correspondence from as of this date, I do not recognize this debt and am trying to fix errors on my credit report.
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
On   XXXX   XXXX   XXXX  , I filed a complaint with the CFPB re :  XXXX . It is now   XXXX   XXXX   XXXX   and you have not followed the guidelines of the FCRA or FDCPA which allows 30 Days for your company to respond to the complaint. By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney  Generals of fice, should you continue in your noncompliance. I further remind you that, as in  XXXX  v.   XXXX   XXXX   XXXX  ,  XXXX .  XXXX  ( C.D.Cal.   XXXX   XXXX   XXXX   ), you  may be l iable for your willful non-compliance. As you have now violated federal law, by not properly investigating within the required time-frame, and I have evidence of such, via the CFPB website.You must now remove the items. I am filing a lawsuit against your company. I would be seeking {$1000.00} per violation for  : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act These are the accounts that I demand removed : 1. Chapter  XXXX  Bankruptcy 2.Judgement   XXXX   XXXX   3. Judgement   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX  5.   XXXX   XXXX   XXXX    6.   XXXX   XXXX    XXXX  7.   XXXX   XXXX   XXXX   XXXX     XXXX  8.   XXXX   XXXX   XXXX   XXXX 9.   XXXX   XXXX     XXXX    10.   XXXX   XXXX     XXXX   11. XXXX    XXXX   12.   XXXX   XXXX   XXXX    XXXX  13. F  XXXX   XXXX    XXXX  14.   XXXX   XXXX   XXXX   XXXX     XXXX .  Please be advised I am also filing a lawsuit against your company for falsely reporting all of accounts above. None of my accounts end in  XXXX. Y ou are not showing the full account number, which can easily belong to another person. Therefore, since you are not providing the full account number that is considered false information. You are now also in violation of the FCRA providing false information. The Chapter  XXXX  Bankruptcy and the Judgements CAN NOT be verified due to the fact that in your verification, it is impossible, unless you file a motion to the court, to obtain my full social security number to PROVE that the judgements actually belong to me instead of someone else with a similar name. The court does not provide any information to the credit reporting agencies or third party data furnishing companies.
I am the victim of fraud. I first noticed this when one online credit card application was approved and instant credit granted to the perpetrator back in XXXX. Within a few days multiple online applications started to show up. Since that first time ( XXXX/XXXX ) I placed Fraud alerts on all of my credit report companies. I filed with police, filled out an identity theft affidavit and reported to internet crime complaint center as well as the department of the treasurer. On XXXX XXXX, 2017.An online application to XXXX XXXX  XXXX XXXX triggered a fraud alert to my email. I immediately called the XXXX XXXX XXXX XXXX told them that I did not apply for this and that it was a fraudulent application. XXXX XXXX XXXX CONTINUED TO DO A HARD INQUIRY ON MY CREDIT REPORT WITHOUT NOTIFYING ME. I asked the bank to remove the hard inquiry from my credit report as it was fraudulent. They said NO that it was their right to pull my credit without calling me- as they send letters instead. They also said that people lie all the time about identity theft AND THAT THE XXXX XXXX WILL CONTINUE TO LEAVE THE HARD INQUIRY IN PLACE UNTIL I PROVE THAT I DID NOT APPLY FOR THE ACCOUNT. I asked for multiple investigations with Equifax and was told that Eqifax will not remove the credit inquiry XXXX says the inquiry is not fraudulent. My identity was stolen, name address phone and social, I continue to be victimized, the information is right there on my credit report and this bank is treating me as a criminal. They should have not pulled my credit like the alert advises, AND she were instructed on the alert to call me on the phone to verify the information before pulling my credit. This issue is still on going. This makes no sense- and we need stricter laws on how and what types of information can be stored. My information was breached by some company - and the only users of my information are doctors, hospitals and banks. People have access to information without even a core check. Your being asked for the last four of your social all the time. No wonder ID theft has gone viral. People need to start fighting back. I also called my attorney general office - their response " We know its a problem- you have to take more protection. WRONG_ I do n't use debit cards- I do not shop on line- I do not pay bills on line, I shred everything. SO TELL ME How did my credit get breached? ITs the holders of all this required information that 's how.
XXXX ( my family 's insurer ) pays XXXX % for any visit that is preventative or wellness related. My wife went for routine preventative procedure as me and she is being charged unwarranted medical fees because the doctor miscoded the visits. We have notified the doctor to code the visit properly and the office has not recoded and this constitutes professional negligence, something we should not pay for. The doctor 's office has now engaged a collection agency ( JR Recovery Services , Inc. ), Tel XXXX, XXXX XXXX XXXX, XXXX XXXX, Ohio to collect on a false debt and they are harassing us with letters. Please help! 

per conversation with XXXX at XXXX, on XXXX/XXXX/2016 at XXXX and am quoting her response verbatim " XXXX : It looks like our department has been actively working on getting the claims for the doctor office and the lab resubmitted. We have placed several calls to the lab and the doctor 's office requesting the doctor to resubmit the claim with a well visit code, however we have not yet received any corrected claims.
To Whom It May Concern : I am MORTIFIED! Recently my Capital One Secured Credit Card account ( ACCOUNT # XXXX ) was inexplicably closed without my request or initiation and furthermore Capital One refused to refund my money that I opened this account with. Capital One claims it was opened fraudulently through an alert from XXXX, XXXX, and XXXX. Representatives from the Credit bureaus claim they received a request to remove the account but no such request was ever made! 

This account was opened in XX/XX/XXXX with funds sent directly from my bank account ( {$500.00} plus startup fees ) and the card has had no late payments and automatic deductions from my bank account. The automated phone teller stated the account was deactivated XX/XX/XXXX but I made a payment of {$220.00} on XX/XX/XXXX ( which brought my account balance to {$0.00} ). I also applied for a credit increase on XX/XX/XXXX and received correspondence on XX/XX/XXXX. 

I have records of everything. I have spoken to representatives from all four companies and no one is willing to rectify the situation especially Capital One. How can a SECURED credit card with a stellar history be fraudulent and the customer treated dishonorably?? It was setup with MY MONEY! I am vehemently requesting that my account be completely reinstated and reported to all XXXX major credit bureaus. I did not request it to be closed and did nor report any fraud to Capital One or the Credit bureaus! 

I am sending this letter to Capital One Bank, XXXX, XXXX, XXXX, Consumer Financial Protection Bureau, Ohio Attorney General and affiliates. Also my attorneys are looking in handling this matter with a lawsuit if not handled in a timely manner.
COMPANY CONTINUE TO DEMAND PAYMENT ON OUTDATED ( XXXX ) ACCOUNT, NOT MINES AND PAST STATE ( GA ) STATUE OF LIMITATION OCGA 9-3-24, OCGA 9-3-25 ; ( 4 ) YRS ON OPEN END ACCOUNTS, VIOLATED FCBA, FCRA AND FDCPA ... NOTE : ID FRAUD AFFIDAVIT WAS FILED WITH FTC # XXXX
This company XXXX XXXX XXXX has called me stating they are reviewing a matter and have been retained by JTM Capital Management for XXXX XXXX XXXX from something from XXXX 2014. I have never heard of either company. They refuse to send me anything in writing when I requested it.
I was charged on the card with number XXXX XXXX XXXX XXXX erroneously by XXXX the amount of {$100.00} on XXXX/XXXX/XXXX. I didnt know this fraud charge was there so i didnt make payments. Chase charged me an additional {$150.00} in late fees since then and ruined my credit. XXXX refunded the charge but chase has not refunded the late fees. I would like to have the late fees deleted and my credit record fixed in regards to these charges. Thanks.
In XX/XX/XXXX Commonwealth Financial reported several accounts to all three credit bureaus totaling about {$2000.00}. I have never received a bill or any correspondence in relations to this debt prior to it being placed on my credit report. I called to see what this alleged debt was and was informed it was in relation to medical bills. The representative was very rude and ill mannered so the conversation did n't go very far. I called back again on XX/XX/XXXX only to be transferred back to the same rude representative. i then requested verification of the debt, asking specifically for a contract of some sort between myself and Commonwealth or Commonwealth and the said medical provider and also a breakdown of alleged charges. I received a bill in the mail on XX/XX/XXXX only portraying an account balance with no specifics. I called back on XX/XX/XXXX to advise them that this is not what was requested. Again the conversation did n't go too well. I requested verification documentation and waited for a couple weeks but did not receive anything. i called back again in XX/XX/XXXX and was told by the representative they 'd sent me a bill back in XXXX and if I required further information to contact the original service provider. On XX/XX/XXXX I drafted a letter detailing very specifically the verification documentation I had requested several times and still requesting. I mailed this letter certified on XX/XX/XXXX. I called on XX/XX/XXXX and spoke to a supervisor, XXXX XXXX XXXX. he stated they 'd sent a bill and that 's all they could provide and to contact the service provider. As of this date, XX/XX/XXXX I have yet to receive any further written correspondence. Representatives from this company call at least 5 times monthly yet no one has provided anything I have requested thus far and these items remain on my credit. I have also disputed these items with XXXX, XXXX and XXXX, all still remain.
there is an address showing me to have lived in North Carolina, which I have never even visited, much less lived there
On XXXX XXXX I requested that Citibank stop mailing me convenience checks on all my accounts out of concern these could easily be stolen and used for fraud. I understand that some time is required to process this request but on XXXX XXXX I received my 3rd promotional mailing from Citibank that contained convenience checks. This is XXXX days after my original request that these items be no longer mailed. Since when I called CitiBank the associated could n't provide me with the policy information around the timing for these promotional mailings to stop I am filing this complaint to first make sure Citibank will no longer mail out convenience checks to me, but also to understand how long Banks have to comply with the consumers demands around unsolicited marketing as that is how I view these convenience checks.
i do not have  any dates except for 2017, and they say it was issued in 2017, and I do have any credit cards. I only have a de bit card by   XXXX   XXXX   XXXX   XXXX   XXXX
On XX/XX/XXXX I contacted Portfolio Recovery Associates LLC to resolve ( 2 ) accounts showing in collections. The first account was paid in full of {$620.00} for XXXX as no settlement could be reached. The second account was with XXXX XXXX acct # : XXXX original debt owed was {$1100.00} requested for settlement of debt and was advised if I paid {$840.00} that would resolve the debt. I sent in payments via check as debt could not be paid over the phone with XXXX XXXX. I was told once payments were received it would take 30-90 days to come off credit report and I would receive a letter from the creditor ( Portfolio Recovery ) that both accounts were satisfied. As of XX/XX/XXXX I have not received any letters from company. I received a call from them on Thursday XXXX attempting to collect on the difference {$330.00}, I contacted vendor today who advised me that I did not satisfy the debt and this was new debt even though I verified the same account number listed above. He told me I did not have to pay the remaining debt however it will show on my credit report till XX/XX/XXXX. I'm confused as to if I was offered a settlement of the debt why my credit report is still showing an unpaid part in collections. Why offer a settlement if it doesn't satisfy the debt. I feel I was mispresented on XX/XX/XXXX and XX/XX/XXXX by this company.
I have been texted repeatedly about a debt that is being collected by ACR. I have texted back to them to let them know to NOT contact me other than through US Mail, and to send me something so that I may either validate or invalidate the debt. They have repeatedly refused/ignored my requests. I have also warned them that I would file a complaint, but that seemed to to nothing. I am currently at work and can not attach screenshots of the communictions.
XXXX  needs to delete and block this account immediately because it is fraudulent, State Farm Bank Account # : XXXX
I applied for credit card at the children place store and I told the cashier that the address On my state ID is not correct .She stated to me no problem and I gave my right address to the cashier. I do not usually use the card .I made a purchase and the store was purposely sending my statement to the old address because they want to get interest.I have email associated to my account but they never send me email statement or statement to my new address. 
I was surprise to get the mail from them to my new address when I did change of address with post office. When I called them they then change the address but it has done great damage to my credit and I AS WELL PAYED INTEREST ON THEIR OWN ERROR WITH RUDE CUSTOMER SERVICE ON THE PHONE. 
The card is payed off and closed.. 
I never knew it hurt my credit till recently that I went for car loan.
I had a Citi Divident World Master card ending in XXXX for many years issued by Citi Bank XXXX XXXX SD XXXX for several years. Just recieved a letter saying it was closed due to inactivity. That is fine with me, but I had divident dollars they did not send me a check for that. I called the toll free # and spoke to a XXXX who said if the account is closed the divident $ is gone.
Repeated collection letters about debt owed when auto was reposessed and austioned for less than amount owed. 

Lost employment and ability to pay loan after a XXXX in XXXX. Have informed collection agency of inability to pay on several occasions but new collection letter is sent every six months.