WillisBack/dataset-financial-user-claim huggingface dataset:
To my complete surprise, I was recently contacted concerning a charged off credit card debt, purportedly opened by myself of which I have absolutely no knowledge, by a debt buyer Midland Credit Management , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA. When I adamantly advised the collection agent of the fact that I had no knowledge of this debt whatsoever, she began to imply, although she did not directly say it, that I either I was lying to her or that I had knowledge of some kind concerning this debt. She did so in a way that I considered to be judgmental and demeaning to my character. Additionally, throughout the entire conversation, she spoke to me in a menacing and condescending tone, berating me with a litany of veiled threats and scare tactics. I am personally no expert on the fair debt collection practices act ; I do however feel harassed and slandered. Furthermore, although your drop down menu only allows me XXXX option to summarize my complaint, I also feel that they are guilty of false or misleading written statements because on the bottom of their letter there is a disclaimer or advisory that says to begin with " This account may still be reported on your credit report as unpaid. '' It continues with, " We will not report your debt to the credit bureaus if you set up a payment plan, make a payment by XX/XX/2015 and make all payments as agreed. '' However, I know for a fact that as of XXXX XXXX, 2015, there were no charged off trades " still reported on my credit report as unpaid '' ; yet, as of XXXX XXXX, 2015, after having the letter from MCM Inc. on XXXX XXXX, 2015, a credit check revealed the charged off trade. This leaves me with no other conclusion than that MCM Inc. reported this to my bureau, and therefore, misrepresented themselves in their letter as described above.
I opened a Schwab High Yield Investor Checking account after I opened a Schwab One brokerage account this past summer. I knew I would be away on an extensive overseas tour and I thought that Schwab 's offer to repay ATM fees would come in handy. While I was in XXXX I tried to access my account to make withdrawals but my balance showed {$0.00}. This happened in three countries. Finally on XXXX day I was able to find some good wifi to use to call Schwab from my XXXX phone account. The representative I spoke to told me that my account was closed based on a business decision and there is nothing she can do. She said there is not much more she can tell me unless I want to to call a specialist. She asked me I want to speak to someone else who can corroborate what she said. I agreed and she put me on hold. I spoke to a gentleman who told me the same thing the first agent told me. I was told a letter was sent to me on XXXX XXXX, XXXX. This happened to be the same day I left for my tour. I put enough money in my account so that I would be able to pay in local currency for some of the events I was interested in attending. Needless to say without access to my money a good part of my vacation was ruined. 

Now that I am back home I checked and found two letters from Charles Schwab in my mailbox. One mentions that base on the information from XXXX they decided to close my account. How can that be? I was the one who called Charles Schwab to ask for my ATM card after I had submitted my application and did not see it in the mail. I was told there is a freeze on my credit report and I need to have it lifted so they can view it. Some years ago I placed a freeze on my credit report because I was a victim of identity theft more than once. I contacted XXXX and they sent me a code to pass on to Charles Schwab to view my credit report. Not long after Charles Schwab approved my application and sent me my ATM card. So the letter dated XXXX XXXX, XXXX that I only read today ( XXXX XXXX ) being that I was away for an extensive period of time comes as a shock. If Charles Schwab had a problem with my credit report then why did they go ahead to issue me my ATM card after they used the unlock code XXXX provided me to give to them? Charles Schwab 's explanation is bizarre. As I stated they only gave me my debit card after I called to inquire and was told they need to view my credit report. As far as I 'm concerned they only provided the debit card after a careful analysis of my credit report. The fact is they closed my account for no justifiable reason when I needed to access it at the utmost time. Their action adversely affected my vacation and for that they should be held accountable. 

One of the letters went on to say that if I find the information in the report to be inaccurate I have the right to dispute the matter. Charles Schwab failed to list the information the led them to close my account. How am I supposed to contact XXXX  about information I need to dispute without knowing what the information is?
This complain covers unlawful representation, communication and improper contact and making threats of illegal action. All of the above. I do n't know how they contacted my family or friends, or how they knew who they were. Several times these people have called several XXXX times a day, and have called my parents and other friends and contacts misrepresenting who they are, stating that I am in legal trouble or other miscellaneous false information they have my ss security number and that I 'm going to be arrested, or some other bogus information to try and obtain information about me. They also state there is legal issues pending and I must call them or report a certain case number to them. This is obviously for some debt of which is invalid and they are threatening family and friends and using scare tactics.
To whom it my concern, i'm writing in regards to an account being reported on my credit report, the account being reported is missing numbers, so i can't identify the account. I wrote Trans Union and XXXX XX/XX/18 requested the contract with my signature and any other proof that binds me to this item and even so, that it's in their right to collect on this item being reported and their response was that they verified that the item belongs to me, i've yet to receive the contract with my signature as proof, i also ask that this item be removed or deleted if a contract can not be provided. The account in question is reported as # XXXX
I've been working with XXXX XXXX. They had them removed. 2 came back under another collection agency.Original collection agencies : ERC 1st delinquency XX/XX/XXXX. Balance as of XX/XX/XXXX is XXXX. XXXX XXXX XXXX 1st Delinquiency date XX/XX/XXXX. Balance as of XX/XX/XXXXs XXXX. They reappeared under new collection agencies. XXXX XXXX Open date XX/XX/XXXXand XXXX XXXX   Open date XX/XX/XXXX.
I have reached out to this company to send validation and verification of charges in my credit report. I received a bill from a company with a different. I have been sued by XXXX XXXX and only paid as I feared what further damage this company would do to my credit. I feel this was done as a retaliation as I have began to take a closer look at my credit report and dispute inaccurate items. I do n't have a contract or any type of agreement with this company. This company has reached out to my parents and disclosed my personal information as well as mailed letters to their address. I have never given them any information for my parents. I fear that because if this complaint they will try to sue me again. I am in fear they may send something to my job which could cause impact on my career.
My vehicle was stolen and crashed. XXXX XXXX, Pa law firm represented the insurance company. XXXX XXXX court dockets show a summons issued for me was Returned Unserved-Does Not Reside At The Address Given ( By XXXX XXXX to the XXXX 's office for service ) I learned about this when I received a letter that they had ordered my driver license suspended. I contacted XXXX XXXX law firm and was told the summons was signed for by the person who stole and crashed my car mother ( AT THEIR ADDRESS ) I never resided at their address, nor did I communicate or have contact with them. Although, I never had knowledge of a court date this is the information XXXX law firm used to obtain a XXXX Judgment against me, suspend my driver license and put this judgment on my credit. 
As shown in the court docket records I filed with the court to reopen this case and filed a motion to be dismissed from this debt and judgment. XXXX XXXX law firm then provided me with a letter of satisfaction ( no longer holding me responsible to this debt. I filed the letter with the court and with all XXXX credit agencies. Experian is the only credit agency that refuse to remove this from my credit. Stating that a judgment can not be removed simply because it is paid. However, the judgment debt is Not paid. I am NOT the responsible party for this debt and therefore, it was satisfied against me. I mailed all of the necessary documents to all XXXX credit agencies XXXX XXXX and XXXX removed it under the Fair Credit Reporting Act since I am Not the responsible party. The responsible party was later arrested on a warrant for XXXX. He also filed a letter with the court/Judge and with XXXX XXXX law firm, stating that he took my car without my knowledge or permission I sent this information to Experian and still, this judgment on my credit is preventing me from fair credit and fair housing. This is not my debt.
I have have repeatedly requested XXXX XXXX XXXX to provide documents to prove the amount they are reporting on my credit report. They have failed to do so within the 30 day period required by law. Portfolio is reporting a balance with out any records that show how they calculated the debt they claim is owed. XXXX XXXX XXXX does not have any accounting records that prove this debt. 

Portfolio purchased the debt from XXXX XXXX XXXX but has no accounting of what they have purchased. The have not provided proper debt validation and are in violation of the Fair Debt Collections Act. They are using Harrasement ( 806 ) and Unfair Collections Practices ( 808 ) Furnishing Deceptive forms to keep reporting this information to all 3 Credit Bureaus. Nothing they have provided has showed accounting of the balance they claim owe, There are clearly many violations Fair Debt Collections Violations XXXX  XXXX also has no accounting records that show how this amount was calculated and sold to Portfolio Recovery Services. 

I have filled a complaint with all three credit bureaus and Portfolio has reported this debt accurate- They need to provide proof of the amount they are ruining my credit report for
XXXX the XXXX i had some Account fraud XXXX withdrawals of XXXX. Called Capital one they said they can help me out and most of the fraud was turned over. I would however need to get new account numbers and my account has been locked to prevent any additional fraud. I was ok with this and made sense. However it is now XXXX and I do not have access to my account I called Capital one to get a status. They said after verifying my identity over the phone that after an internal investigation my account has been locked and i can not open any more accounts with Capital One. I had to call capital one to get a status and they have not given me any way to get my money back or any way to prove i am who i am.
I attended XXXX XXXX XXXX in XX/XX/XXXX. The loan was in the amount of {$5000.00}. 
The loan was paid in full in XX/XX/XXXXto XXXX XXXX XXXX in XXXX, NY. I just received my latest credit score from Experian and its showing a student loan in the amount of {$18000.00} that was opened in XX/XX/XXXX. I've been living in XXXX XXXX, Utah since XX/XX/XXXX. I have never took out any student loans in XXXX nor do I know anything about the loan. If you have any proof of the student loan in question please mail the information to me at the below address. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX.
I explained to the collection agency that I have never had an account with XXXX XXXX, I asked the collection company for address on file and the address given to me was wrong, I explained to them in several occasions that I did not work on the place that they have on film and the address were the service was provided was unknown to me. No one else contacted me and then I found out this collection.
Our complaint is against XXXX and BOA. 
Our original loan was taken out with BoA which had agreed in XXXX of XXXX to a modification that we had requested in XXXX because of a drastic change in our income. We had never been late, or behind, and according to BoA have been super responsible to come ahead of time to see what could be done. So from than to including XXXX XXXX, numerous failed attempts of BoA to put the modification in their systems to reflect properly. We have XXXX folders full of written communications with XXXX XXXX, teamleader and assigned manager to deal with the problem, as well as voicemails, from him and other employees working for the office of the president of BoA reassuring us that the modification is completed, and we would get out credit repair and a letter of apology. In XXXX of XXXX we where told that BoA exidenly assigned the deed to XXXX. BoA send a Fax the same Day to XXXX from their Legal department and provided a fax for us as well to proof that they are getting the loan back. Upon further research we found that XXXX does n't own the loan, the deed is held by XXXX XXXX a division of XXXX and not XXXX. XXXX threatend to foreclose, and BoA would stop it, all along promising all is well, and because BoA was always stopping all actions taken by XXXX we believed. Until we ended up having to file bankruptcy to stop forecloser action the morning of, even though we had been told by Bank of America not not to worry everything is fine on the same day. We had to get a lawyer which, has created a lot of off out-of-pocket expenses. We ca n't get BoA or XXXX to finish this or even give us an answer! We think that this is unacceptable, plus now we are finding evidence that transver was n't handled lawful.BoA advised us to not make payments to XXXX, because we would admit to the original dead, and modification would be canceled out.
I was hacked or my P.C. was compromised in XX/XX/XXXX. My bank closed all my accounts, and then gave me new checks, new account number and new bank cards. The police told me to cancel all my accounts and asked for new account numbers. I did this and in doing so found out one of my accounts had been scamed for XXXX. I have since received that money back from that account. I also called XXXX and gave them this same information. I have been with XXXX since 2001 and as soon as I got new cards from the bank called and told them of the new accounts. I then listed 4 cards which are on that account and I have been ordering with no problem. Then I get this letter and many phone calls 2 and 3 daily at all hours about an account that was being handled by them to collect from me for XXXX. On the letter to me it says this account was closed. I believe that they ( XXXX ) turned over my old account which was closed due to the Hacking. I do n't know why and I just yesterday talked to Customer service at the XXXX home office and since it was the weekend she suggested that I call and she gave me a number for XXXX Account Specialists on Monday..I had intended on doing that but I would like for these calls to stop. I have no intention of NOT paying I just want to know why XXXX did this with my account and is still letting me buy and I had informed them of the scam. It has been something I never had happen before and I sure have been careful not to put any of my numbers on the internet simply because I do n't trust anyone. I just will not pay this collection agency and if they want to take me to court like they say I have plenty of written proof of what I am telling you today. I am on the verge of closing my account with XXXX after all these years but I wo n't be a party to this TRS agency collection calls. Thanks and if you can help I would appreciate it.
I have been working with SLS ( SPECIALIZED LOAN SERVICES ) since XX/XX/XXXX. They have ask me over and over again for the same documents as you can see in the documents provided. I ask for a pay off so that I could seek help in other places, they faxed me another clients information then about 2 days later I received the hard copy in the mail ( see attached documents ). Once I notified them of the wrong documents they had given me it was just a few days that I was given a work out payment @ more than XXXX the amount I was already paying. The payment does not add up for the financial proof that I provided SLS on numerous occasions. In the work out payment approval I was told that I was to pay a payment of {$1500.00} for 7 months, from XX/XX/XXXX, thru XX/XX/XXXX, with the months totaling 9 months instead of 7 months. I called my work out agent and she could not explain to me either how SLS came up with the number XXXX. I am working with an agency now for help at a " one time lump sum payments that are behind through one of the Government Funded Programs and what concerns me with that is that I have read several complaints on the Consumer Affairs web site where the lump sum payment was applied to someone else 's account which left them in their same predicament. I need help with this situation not just for me but for everyone that has been taking advantage of from this company. I look forward to working with you to resolve this issue as soon as possible. Thanking you in advance!
My complaint is regarding my application for personal line of credit on XX/XX/XXXX with  Wells Fargo Bank. I went to the local bank and after the teller imputed my info in the on-line application, I was denied automatically on the spot for a line of credit of {$100000.00}. 

On XX/XX/XXXX I received a letter from the bank stating I was denied and listed the reasons. Please see attached letters. 

One of the reasons was that I had high debt to income ratio, when in fact I have no debt as confirmed by XXXX credit report which the bank said had used for this application. Other reason was bankrupcty and foreclosure which occurred almost 2 years ago. 

I called the bank and told them to look at the credit report and to see that I have no debts, but they said they do n't have the credit report to verify this information. They were n't able to respond how I was denied based on debt ratio when they do n't have a credit report. 

I responded with a letter ( attached ) stating I have no debt, and asking the bank to provide me with written documents backing up their assumption I have debt, calculations used for debt/income ratio, and bank policy on timeline and refusal of credit after bkcy and foreclosure. I included with the letter a copy of my XXXX credit report, XXXX 's for last two years and paychecks showing my income and ability to pay back a credit line. 

Wells Fargo sent me a letter on XX/XX/XXXX only repeating the reasons but not providing any detailed information as I requested, nor explanation for error refusal based on assumed debt.
After filing a fraud alert with TU, I filed a complaint with them that they had allowed a third party to access my credit report and add " and XXXX XXXX '' after my name in the record. I also reported that their own XXXX complaint line operator had told me a New York XXXX company named XXXX XXXX XXXX showed in their files as accessing my file in the past ( I was not given the date though it is a part of the file ). 

TransUnion 's response was to tell me that a Fraud Alert had been added to my file and that their investigation was closed. The third party name XXXX XXXX remains on my file and presumably means that entity has full access to my credit report. 

I want an explanation, apology and assurances from TransUnion that they have closed off whatever access device is/was used to access my report, and that they have removed that third party 's wording " and XXXX XXXX '' from my file. 

Otherwise the concept of these XXXX credit bureaus being the XXXX XXXX of US citizens sensitive credit reports, is a farce and it should be known to the US public, as such.
In XX/XX/XXXX I paid XXXX XXXX for a copy of XXXX  XXXX XXXX XXXX XXXX XXXX. I was given a download link and registration number for the software, which I downloaded from XXXX  and registered. I then used the software for the next 10 months until XXXX notified me that the software purchased was not authentic. During this period the software vendor appears to have closed their business, so my attempts to contact the software vendor were futile. ( email attached ) XXXX assigned a case number ( # XXXX ) and sent me a letter stating that the software was not authentic. I then went to my bank ( Bank of America ) and because the debit card used was a Visa debit card, they investigated the case notifying me that I was within the deadline and issued a temporary credit on XX/XX/XXXX for {$910.00}. ( docs attached ) As of XX/XX/XXXX, the temporary credit has been withdrawn because the bank of XXXX XXXX stated that they were not notified within 60 days of the initial transaction per a notification letter from Bank of America. ( doc attached ) I would point out that : 1. ) I was not notified by XXXX that the software I downloaded from their site and registered through their site was not authentic until 10 months after the initial download and registration. This untimely notification unduly inhibits me as the purchaser from taking timely action against the software vendor.
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2. ) Because the vendor is no longer in business ( I presume ) I cant get their side of the story regarding the sale. It was suggested by yet another vendor that XXXX may have purchased a large site license from XXXX and then decided to sell off individual licenses. This may be what happened, but I ca n't confirm not can I comment on the legality of this practice.
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I would like to know what recourse, if any, I as a small business owner have in this regard. I have lost critical funding and although primary responsibility would naturally sit with the vendor who illegally sold the software they ca n't represent themselves. I would note they had a very good online reputation at the time I purchased from them. I also feel XXXX shares some responsibility to notify a purchaser at the time they register the software as to its legitimacy so that the end user can take appropriate and timely action.
I purchased something for about {$230.00} from Best Buy. I was supposed to pay it interest free in 90 days. The first payment was a few days late, but I paid the balance in full. Citibank charged a {$27.00} late fee. I protested but paid the fee. Citibank said they would close the claim. However, they continue to charge {$27.00} each month, a late fee on a late fee on a payment made early. The late charges total {$130.00}. They have reported me to the credit agencies. This is a scam.