WillisBack/dataset-financial-user-claim huggingface dataset:
I have received calls from JP Recovery Services Inc, XXXX XXXX Ohio at my home, work and cell phone for months in attempt to collect on a debt I do not owe. I have asked multiple times over the phone and twice in writing to send me an invoice as according to my insurance company I do not owe any balance. 
JP Recovery Services has ignored my instructions and has called me at home multiple times a day, on my cell and at work leaving a message on general voice mail for everyone else to hear regarding my personal credit and collection issue. 
I have submitted XXXX letter on XXXX/XXXX/16 and another on XXXX/XXXX/16 requesting supporting document/invoice which I have not received to date. 
This impacts my credit report, my interest rate and ability to borrow by lowering my credit score and I am requesting assistance with this ongoing negligence of consumer protection rights.
I contacted Midland Funding LLC in XX/XX/2018. I have asked them to provide me with specific information regarding the said account of XXXX and account XXXX. They failed to provide me with the requested information, but instead provided me with my name, the last 4 of my social, and the amount supposedly owed. They did not send me a contract between them and the alleged original creditor showing that they in fact do own the debt and or have rights to collect on the said debt. They did in fact send me a falsified document that supposedly came from the original creditor, but when contacted the original creditor had no knowledge of the alleged debt, nor the letter that was sent by Midland Funding LLC, which leads me to believe it is a document they created themselves and used the original creditors information and logo fraudulently. I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. We are already in court over account XXXX and my attorney is prepared to present this case. We are submiting this claim to help future concumers and to also show that we exahalted all revenues to remedy the matter at hand.
IN XXXX 2016 I PLACED AN ORDER TO XXXX. ADDED TO THAT ORDER WAS A {$300.00} XXXX. I RETURNED THAT PART TO XXXX. I HAVE A THICK FILE OF PAPER WORK TRYING TO GET THIS RESOLVED. ON XXXX/XXXX/16 I RECEIVED THE 4TH LETTER FROM MY CREDIT CARD CO. TELLING ME I WILL PAY THAT AMOUNT TO THEM. ON XXXX/XXXX/16 I RECEIVED A EMAIL FROM XXXX STATING THEY REIMBURSED MY CARD CO. PLEASE HELP.
Oh XX/XX/2018 XXXX XXXX XXXX out of Florida contacted me to tell me that the payment that they received from me was fraudulent and that they will take legal action against me by serving me on my job. The next three communications I had with the company all included them letting me know that they will take legal action against me and sue me.
I have been called repeatedly for these debts. They are all for the same issue and they have n't sent just XXXX bill. When you go to this place they send XXXX different bills so its difficult to know what you 've paid and what you have n't. They also got the money from my insurance and now want more. They call repeatedly. leaving no voicemails from different numbers and I have n't been able to come to a resolution for a amount. There the main reason my credit is so messed up.
In XXXX of 2012 we opened up a Bank of America XXXX XXXX Credit Card. BOA charged us {$100.00} to be used as a down payment on a future cruise. There was NO EXPIRATION date. We are now booked on a cruise and since XXXX I have tried to find out where our {$100.00} went to no avail. We submitted letters asking for our money back and just received notice that it is has exceeded any dates giving us money back. How can this be when there was no expiration date from the beginning.We only know that we were charged, we paid it and now we are NOT getting our money back.
In  2001 ,  XXXX   XXXX    XXXX   issued to me a  XXXX  ending in xxxx  XXXX .     The ir 30-day la te payment notice is still on my credit report.     I believe the statute of limitations has passed.     So I have tried to have this late payment removed. My lawyers have also filed numerous credit bureau appeals.  XXXX   XXXX  and their new credit card department in  XXXX   XXXX   (   XXXX  was acquired by  XXXX  ) refuse to remove this damaging statement from my credit report.
We believe that Ocwen Loan Servicing used " unfair and deceptive acts '' while servicing our loan. That Ocwen did not have " reasonable '' policies and procedures in place.That Ocwen did not reply to us in a timely matter, if at all, when we sent them concerns or information on our account. That Ocwen charged us for an escrow account that we did not need. That Ocwen never provided us with an escrow account analysis or an escrow account statement. That Ocwen started a foreclosure process against us without proper procedure. That Ocwen imposed improper fees against us. That Ocwen 's bookeeping is very confusing, if not questionable. That Ocwen, with all their negative reports on our loan, have destroyed our credit. 
We are including a timeline of events for our loan, some comments pertaining to our loan, and exhibits to verify our claims. These items are on the attachment connected to this complaint.
I received a paycheck in the amount of {$480.00} from the staffing agency with which I am employed. I went to XXXX ( store # XXXX, located in XXXX, Oregon ) to cash said check, as I had done twice before without incident. 
The company that XXXX uses to " verify '' checks presented declined my check, without explanation. The information provided on the receipt led me to a website, https : //www.askcertegy.com/, which informed me that the decision was final, and no dispute was possible. I was given an option to receive a free copy of my credit report, which is entirely unconnected to the cashing of this payroll check. 
Certegy does not maintain a dispute resolution process. They are not beholden to the individuals whose financial records they demand unfettered access to. They refuse to provide any information regarding their check-cashing criteria to anyone, including the merchants who use their services, or, it seems, even to the United States government.
I applied for an apartment at XXXX XX/XX/2016. After being approved for the apartment, I decline the apartment offer. I paid them the application fees which are non-refundable. This week, I received a letter from a collection agency stating they have placed an eviction notice on my credit account and is suing me for {$3600.00} for an apartment that I never stayed in or even rented. They do not have a lease in my name NOR have I never signed one. I never lived in this apartment complex, only completed an application. They even tried to garnish my wages. How can I be garnished if there is no court date? This is unlawful and I want my this off my credit. I have spent days trying to clear up something that is not mines. I try contacting the apartment complex and this debt collector and no one is doing anything. This needs to be rectified immediately.
My name is XXXX XXXX, I reacently found out about a loan that is not mines an i aslo saw that i disputed it on my credit report a whe ago, did not realize that until i got a copy of it, and it was under a diff name. I spoke with navient on/around XX/XX/XXXX. I advised them about a loan that was under my name that I did not take out because I never attended school in XXXX, nor did I know about this school. The amount was for {$1300.00}, through XXXX XXXX initially, then they said it was under XXXX XXXX which is now handled by Navient formerly Sallie Mae. 
I was advised to write a dispute letter and submit military documents as well showing that I was in the military and also signed up in XXXX. I did that, then after sending on those documents, they claimed they did not get them, so I sent them again, later after that I still hasn't heard anything and was sent a fruad packet to have done. Included in there they wanted a police report. I told them you can not do a police report for something that happened in another state -- in another state. I currently reside in Texas and this incident happened In XXXX XXXX in XXXX. So when I went to the police station yesterday, XX/XX/XXXX he stated the same thing, that he can not do a police report for something that happens in another state and jurisdiction but would take note that I went in to give him this information and gave me a file number as well. He also stated that the companies are supposed to use the number to request the report or what was taken down. So I advised Navient escalations team of this, and she continued to go back and forth with me and told me if its that easy then I can do it and I told her I would not then asked to be transferred to a supervisor. She made it seem like she only had one supervisor and said she would transfer me to their voicemail and basically put me on hold after asking to speak with someone over her. I need this situation to get handled because it is affecting me maybe receiving grants for the upcoming school semester. 
Police file # XXXX Jurisdiction, XXXX, TX Account # XXXX Amount : {$1300.00} XXXX XXXX Navient XXXX XXXX.
This debt was never mine. I did not open an HSBC account in XXXX 2014. I have continuously disputed and XXXX has not sent any type of verification. It has been over XXXX days I want it deleted from ALL XXXX CREDIT REPORTS.
Public Record Chapter XXXX does not belong to me. I have disputed this with all 3 credit reporting agency XXXX, XXXX and TransUnion several times.
On X/XX/17 I contacted this company to get written notification of the amount owed so I can secure a certified check and secure record. The person I spoke with refused to send me anything, saying letters were sent years ago to an address in Wisconsin. I explained I can not pay, but want to pay, but I need a letter. I asked to speak to a supervisor and he explained he was the director and I am not going to speak to anyone else. I want this off my credit report, he stated he does n't care if if I pay it off or not, and it could stay on my credit report forever, he just did n't care. His tone was overwhelmingly aggressive and intimidating, unprofessional and his tactics are terrifying.
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. These changes are part of the National Consumer Assistance Plan. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and must be deleted from my credit report.
Equifax removed several fraudulent accounts from my credit and then they out the fraudulent entries back on my credit. I have been going back and for the with this company for almost XXXX months now about this issue. I have sent them an id theft packet and I supplied them with a certified police report along with some XXXX card in the police records department. 

Also they have blocked my credit so that I no longer have access to XXXX.
Received notice of an account that was {$1800.00} and in collections. This account was for Cable and internet service XXXX XXXX at an address in XXXX XXXX. I moved to XXXX in XXXX XXXX to start a business and we have lived in XXXX since then. I never lived at the XXXX XXXX, XXXX, XXXX address where services were established. 
I had been a previous victim of credit fraud so I had a 7 year freeze ( XXXX military ) placed on my credit and this account was still opened without my knowledge or approval. Both the credit reporting agency and the service company tell me there is nothing they can do. This is a verified account. How is this so if I did not even live in the state at the same time and never gave permission. I called the police to get a police report and was told here in XXXX they can not do a report because it happened in XXXX. XXXX says they can not do a report over the phone. 
We are trying to buy a house and this is hurting our family. What can we do? 

Thank you for your attention,
Stewart, Zlimen and Jungers LTD have engaged in harassing tactics for going on two years now. They never informed me of my ability to dispute a debt, they sent fake ( ie look like XXXX County Court documents ) to coerce me to pay a debt I dispute, they claim I owe more then the amount and the amount granted by the court, they continually contacted me despite my now three times telling them to CEASE and DESIST and I complied with a court order by XXXX XXXX ( XXXX ) to verify that I the judgement they got against me, with out having me served to the correct address, were not collectable due to my only income being XXXX or other protected assets. 

Despite my third informing them to cease and desist and my filing a past CFPB complaint over the issue and they saying they will not contact me ; I received a letter dated XXXX18 trying to garnish a bank account they have already been informed of as only having XXXX as my income. 

This is a pure attempt at harassment and they are trying to cause fear and distress in making me think they have a court order to seize money they know is already exempt.
On XX/XX/2017 I deposited a check into my account using US Bank ATM. The check amount was {$2500.00} but the ATM machine read it as {$3500.00}. The about written in words was clearly {$2500.00}. So I deposited the check for {$2500.00}. 4 days later on Saturday I received a letter in the mail from the bank saying that they reversed the whole deposit and none of the funds are available in my account. From what I understand if there is a dispute the amount written out in words should be controlling. However US Bank chose to make {$0.00} available to me. And the first time I found out about it was on Saturday when the bank was closed. I called customer service but the lady on the phone said there is nothing she can do and that she ca n't even see what was done and that I need to go back to the bank on Monday and try to present the check again. I need to have the funds in my account asap and there was no reason for the bank to deny making funds available to me.
I opened a Barclaycard Rewards MasterCard approximately three years ago. As a cardholder, I always made my payments on time ( save for once or twice being a few days late because of circumstances beyond my control, namely hospitalizations ), almost always paid more than the minimum payment due, and I frequently paid my balance in full and then some. I used my card responsibly, especially considering that shortly before applying, I had received a discharge from bankruptcy proceedings and Barclay 's was one of the few issuers to extend credit to customers with recent bankruptcy filings present on their credit report. In essence, Barclay 's took a chance, and I wanted to show them they made the right decision. 

In late XX/XX/XXXX, I attempted to use my card, and the charge was denied. Knowing I had sufficient credit, I called Barclay 's to inquire. I was told my account was summarily closed, and I would be receiving a letter with details. I never received such a letter. However, I attempted to send a message through the online portal asking why my account was closed ( see attached ). I received a response indicating my account was closed due to " delinquency. '' However, there were no delinquencies on my credit accounts. There may have been an account reporting on my file that was delinquent, but it was an authorized user account for which I am not responsible. Barclay 's used information from an account that did not belong to me as justification for closing my account. I am sure Barclay 's will say what they did was perfectly legal, within regulatory framework, etc., etc., and of course, my personal favorite -- which is the catchall/fallback when a company can find no other reason to justify its actions -- " it was a business decision. '' Not only did Barclay 's close my account based on inaccurate information, it appears as though I have been " blacklisted '' from future accounts. While all banks maintain such a list, most deny it exists. However, there are countless missives from former industry employees and customers who explain how they have been subjected to a blacklist. A blacklist is an in house master list of customers and their Social Security numbers who are not to be approved for future credit. I have been made aware of the signs of this policy, which include applying for a product receiving a decline without ever having a credit report pulled. That has happened to me on two separate occasions since my account closure. The most recent occurrence was on/about XX/XX/XXXX. I applied for a Barclaycard Arrival account, and was denied. 

In addition to the above, there were two payments made on my account that never posted, yet both payments cleared my checking account. I brought this to Barclay 's attention at the time, but it went no where. One payment was made on XX/XX/XXXX in the amount of {$500.00}, and the other was for {$1900.00}, also on XX/XX/XXXX. To date, these payments were never credited to my account. Please see attached.
My mortgage broker made an unathorized withdrawal from my checking account in the amount of {$3000.00} which includes a XXXX dollar wire transfer fee as my mortgage is {$2700.00} they helped themselves to {$230.00} additionally. It is criminal that any entity can withdraw funds without your permission. I want sanctions against Ditech Financial for robbing my account. Thank you XXXX XXXX
On XXXX/XXXX/2015 at XXXX a voice mail was left on my phone XXXX XXXX XXXX XXXX from XXXX XXXX XXXX ext XXXX. The person on the phone advised she was calling to speak with XXXX XXXX XXXX my step daughter ) regarding an auto loan with their company. She also said that this is a pretty serious situation that requires her immediate attention. My voice mail gives my name, not XXXX 's. Immediately after she called my cell number, she called my husband 's cell ( XXXX XXXX ). She advised him that that XXXX was behind on an auto loan and that legal proceedings had been started against her. In both instances this woman ( her name is XXXX XXXX ) disclosed information to a third party, she advised legal proceedings were taking place when in fact they ca n't be as XXXX does not have a loan with them. I returned the call to the phone number listed on my caller id ( XXXX ) and asked for extension XXXX. XXXX XXXX answered and advised me that she had spoke to my daughter. I then asked her if she was aware of the FDCPA and she said yes. I asked why she had disclosed information on my voice-mail and then to my husband. She said she is following the FDCPA guidelines. FDCPA clearly states that the person calling can not leave a message advising someone has debt or disclose to someone who is a third party. This makes XXXX violations and possibly more. We are also aware that they contacted XXXX 's mother XXXX XXXX XXXX XXXX on her cell phone with the same information. I do have the recording of the phone message on my phone if it is needed. I also find it interesting that when I called the company XXXX XXXX could not find the information immediately and made the comment that it was under the last name of XXXX ( XXXX 's former married name ) but when she left the message on my phone and also when she spoke with my husband she used the correct name of XXXX. Please be advised that no one in my family owes a debt to this company.
This complaint is in regar ds to National Enterprise Systems , Inc tr ying to collect {$1500.00} for a debt to  XXXX  that I have settled on  XXXX   XXXX ,  2017 .  XXXX  responded to a complaint through CFPB with a letter stating that they would accept my settlement offer and report that the account is settled in full. This is not a fair practice.
I have written you before with unsatisfactory results about my former bank, but the issue I wish to take up today is different and pressing enough for me to contact you again. 
I have recently discovered that the company, XXXX has been hit by class action suits in approximately XXXX states for fraudulent selling, misinforming or not informing customers, and for unauthorized charges to their credit cards. Many times, the customers were not aware of these charges or that they had signed up for memberships that were charged to their cards or their mortgage each month. The same happened to me in 2012 and my case was sent to collections by Chase, who had been charged along with Trilegiant in at least XXXX case. I am still trying to clear that up. 
Each month, for 5 months Trilegiant made XXXX separate charges of XXXX for memberships in XXXX and XXXX to my Chase card. Eventually I refused to pay because I had I had not authorized these charges or knowingly signed on for membership. Chase continued to bill me, added interest charges and late fees, and eventually sent the bill to collections, creating a negative entry on my credit report. 
At that time, I was traveling and working in XXXX. I seriously doubt that the memberships could have been used there, even if I had signed up for them. However, the point is still that I did not knowingly authorize XXXX XXXX to sign me up for memberships or charge my Chase Card. I do n't even know how they got access to my credit card number or any other authorizing information. When I try to discuss the matter with Chase Fraud operations, they do n't listen and will not assist me in clearing this matter up so I can get these charges removed from my credit report. 
Upon returning to the US, I reviewed my credit status and did follow up on the Chase collection charges. I asked for reports and finally received the final reports yesterday showing the charges made by XXXX. I. contacted XXXX XXXX in fraud operations at Chase and was informed that she had decided that I was responsible for the account because I had made payments to it. 
I then went on the web to research the company and found that there were approximately XXXX similar complaints. Chase had been named, along with XXXX, in at least XXXX class action suit and XXXX has been fined millions of dollars for these actions in approximately XXXX states. In many of these cases, the consumer had, like me, paid the membership fees for several months before complaining. I also viewed XXXX law firm soliciting clients to file complaints against XXXX for the same reasons. I want to file a complaint, but not with them. I want Chase to correct this situation by acknowledging their error and removing the negative entries from my credit report. Can you help me? 
XXXX XXXX
I have monthly payment arrangement with Navient for the amount of {$120.00}. Yesterday my account was overdrawn due to Navient 's attempt to withdraw {$240.00}. I contacted the Navient 's customer service and they stated my monthly charges have increased. I informed agency that I never authorized these payments.
Unknown collections listed requested validation and nothing received. Please help CCS Collection # XXXX CCS Collection # XXXX