WillisBack/dataset-financial-user-claim huggingface dataset:
" XXXX XXXX '' from XXXX XXXX XXXX left a voicemail on my phone on XX/XX/19 at XXXX XXXX  MST stating, " Yes, Hi. This message is only intended for ( my name ) with the last 4 of your social on this docket here ( xxxx ). This is XXXX XXXX with XXXX XXXX XXXX XXXX. We had a court docket delivery, it was a failed attempt today at ( my address ). You obviously have got to reschedule the summons. Contact your petitioning party directly to do so. The phone provided is XXXX. I would advise you to review the charges and allegations prior to signing. ( my name ), you have been notified. '' I do have the voicemail from this company saved on my phone if you would like a copy. 
He then proceeded to call my husband and informed him that he ( XXXX ) had issued a warrant for my arrest and was having me arrested and jailed for 3-5 years for check fraud. He got upset when my husband questioned who he was, where he was calling from, and what he wanted and hung up on him. 
I called the number back left in my voicemail and spoke with a XXXX XXXX who gave me the runaround for a bit but finally gave me the correct info on who the debt was for and the amount. I made arrangements to pay with a credit card the next day. I spent over an hour calling the original company ( XXXX  XXXX  ), the company they sold it to ( JTM Capital Management, that doesn't do payment processing ), the company they outsourced the payment processing to ( XXXX  XXXX  XXXX, who then outsourced it to XXXX for payment collection ), and was eventually transferred back to XXXX again to make sure this was a legitimate company because they were so unprofessional on the phone. 
When I called back the next day, as soon as my payment processed, XXXX gave me a confirmation number. I got halfway through asking for a receipt, and he hung up on me. The document they sent to my email is very unprofessional, something anyone could create on a home PC, with the required legal jargon photocopied on it. I emailed back asking for an actual receipt and have received no response. 
I also spoke with a man named XXXX and a woman named XXXX from this same company. At no point did anyone with this company ever identify themselves as a debt collector or go through the required script for FDCPA. This company is extremely shady and should be shut down immediately. They also have not reported to the original company that they have received my payment ; the account is still showing as owed the full amount.
I went into a local Chase Branch around XXXX to open an account. I found out there had been an open account under my information that was not mine. I disputed the information with Chase and sign all their affidavits etc - they had promised me that once I had fullfilled all there request that I could then open a checking and savings account. Finally back in XXXX I got a letter from chase telling me that I was not liable for the account and all the fess and information would be deleted. ( please refer to the second page of the attachment for this information. ) On the second page of the letter they sent me they stated I could open an account again. I went into a branch today XXXX/XXXX/16 to open an account. Before the rep even got all of my information she said because there was an open fraud case in the past they would not be able to open a account for me. I explained to her that it was closed - and I was found not at fault and was promised to open an account once it was all said and done .She said there ware nothing she could do.
Re : XXXX XXXX XXXX XXXX  acct. # XXXX Dear XXXX XXXX XXXX  XXXX , I never received any written correspondance from this company. XXXX XXXX XXXX XXXX added a collections to my credit reports with XXXX, XXXX, and XXXX  that results from crime ( s ) that were committed against me. This is invalid. I did not received any services or goods from the original creditor. However, I am still held responsible for this debt. You are hereby in violation of the FAIR DEBT COLLECTION PRACTICES ACT by adding a collection to my credit reports without my knowledge.In addition, you are also in violation of THE FAIR CREDIT REPORTING ACT by reporting inaccurate information to the above-mentioned credit reporting agencies. You were by the 3 following credit reporting agencies not only were you froward copies of an FTC identity-theft report but also a sworn copy of an identity-theft affidavit. Still you fail to comply with laws enacted by congress to alleviate consumers of debts as a result of identity-theft. Failure to comply shall lead to litigation for defamation of character, whereas associating my name with debts I do not owe and various violations of THE FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTION PRACTICES ACT. This is a declaration that I am exercising all my rights as a consumer and victim of identity theft. Lastly, having a debt I am not liable for after origin of such debt is given is a deliberate violation of the aforementioned acts all enacted and legalized by Congress and The Attorney General to protect consumers against unlawful collections and reporting of information to credit reporting agencies.
COLLECTION SERVICE OF ATHENS NEVER SENT ME A BILL OR INFORMED ME OF AN ACCOUNT WITH THEM I DID NOT GIVE OR MY CONSENT TO OPEN AN ACCOUNT OR USE MY SOCIAL SECURITY TO EXTEND FOR CREDIT WITH THEM, THEY ALSO VIOLATED MAY HIPPA RIGHTS BY MAILING SENSITIVE MEDICAL INFORMATION WITHOUT MY CONSENT
My Account ending in ...  XXXX  has a balance of  XXXX  dollars. My full name is  XXXX   XXXX , my last  four  of my social are  XXXX , my security key on my account is  XXXX  ( where is I was born ). I have a balance of  XXXX  dollars and it is incorrect! I wrote a letter to AE fraud department but you never credited me the fraud charges!     First of all where does this  XXXX  dollar balance even come from? Everything on my account after    XXXX    2016    was fraud. So If you have not credited me anything since  XXXX   2016 , please apply the credits, if you do then you will see that I have NO balance on my account because after  XXXX , i have had  XXXX  dollar balances and I have NEVER used m y American Express ca rd since then at all. In fact I should have some credit balance.     Also, the following are few charges I have not received credits for though I sent you the statements in the mail with the charges circled about 10 days ago ( the statement is also attached in this message through CFPB ) :  1.   XXXX / XXXX / 16   XXXX   XXXX   XXXX   XXXX  MD {$44.00}  2 .  XXXX / XXXX /    16    XXXX   XXXX   XXXX  TX {$210.00}  3.   XXXX / XXXX / 16    XXXX   XXXX   XXXX   XXXX   {$0.00}
The problem that worries me, in these moments is my credit record, I explain. 
On XX/XX/XXXX, I applied for my first credit card with Bank of America, it is one of the cards that you deposit XXXX dollars to start making your credit. On XX/XX/XXXX I applied for a new credit card and the representative who assisted me in the america bank designed me that later I can join the credit of the two cards, I return to the bank on XXXX XX/XX/XXXX and the representative who is the same person who attended all visits suggests me to join the credits. My question to him was that if joining the two credits of the cards would affect my credit and he says no, he designed me that I close the card if it affects my credit, but that was not close just join both credits and stay with a single card. Now after one year I apply for a loan in another bank and when reviewing my record it appears that I closed my credit card in XX/XX/XXXX which was not so and this has affected my credit in a considerable way, I have called customer service Bank of America credit cards and your response has been ... we regret your situation but we can not do anything to help you, I think it is not an appropriate response when I have been all this time without knowledge of what was happening, the address of the location of bank of america that perform all the procedure this located in the following direction XXXX XXXX XXXX XXXX, XXXX  XXXX, ks XXXX, in attention to the client of bank of america of the credit card I attended XXXX  of the state of california. This is my problem I hope you help me to solve, since there has been lack of information on the part of the representatives. I apologize for some spelling error, because English is my second language ... 
thanks for your help
every month i make my payment at PNC XXXX XXXX branch XXXX XXXX XXXX. I always pay extra and advise them to apply the over payment to my principle balance. When i went today to make my payment they did not want to take it as they said i owed less than the {$400.00} cent payment. the only way this could have happened is if they miss applied some of my other over payments. I have talked with a few other PNC bank customers whom have this same issue happen with over payments. it sounds like PNC bank has a system in place to maximize the interest and fee 's they charge customer. I would like you guys to do a full audit on my loan # XXXX with them to ensure they have done everything correctly. I would also like you to order them to revamp there payment coupon and add a line for extra principle payment to prevent them from robbing hardworking americans who pay extra so they can pay off there loan early and reduce the amount of interest paid actually have there extra payments go to the loan balance instead of being held in a non interest bearing overpayment account and applied to the next payment on the due date.
Freedom Mortgage sent me a monthly statement on XXXX/XXXX/XXXX stating that my payment was {$1500.00}. My payment had always been {$1100.00}. I contacted the Vice-President, XXXX XXXX who indicated that they did an escrow analysis on my account and that they realized they had n't been collecting enough of a payment. Strangely though, there was no increase in my taxes or insurance. As a matter of fact, my taxes went DOWN. Employee error is the reason my payment has gone up. There have been numerous employee errors on my accounts with Freedom Mortgage and I am growing so tired of it. 
I received NO notification of this until I got very upset in the email to XXXX XXXX and stated that I was never informed of this, and that this notification was required by the mortgage company. All they did at that point was email me their analysis that I had never been notified of prior to this date. 
On top of everything else, I sent in my regular mortgage payment for the XXXX XXXX, XXXX payment and received a notice of a " late payment '' since they refused to apply my payment. 
This is extremely concerning to me as many problems have occurred since I have had my mortgages with Freedom Mortgage. Since I have had my accounts with Freedom Mortgage, here are some issues I have had with them : 1 ) About a year and a half ago, I received a refund from Freedom Mortgage. I spent this on home improvement. A few months later, I was informed that Freedom Mortgage was then that amount short and needed to recover it and increase my payments. 
2 ) Freedom Mortgage neglected to pay my homeowner insurance bill. This was approximately a year and a half ago as well. My homeowners insurance actually ceased until I requested that Freedom fix the situation. 
3 ) I would gladly pay this amount if it was due to an increase in my taxes or my insurance, but as I stated previously, nothing was increased and actually went down. 

On top of everything else going wrong, I have received statements that say I owe more than XXXX payment and I had to email XXXX XXXX to figure out why they were trying to collect for more than XXXX payment. There is too much to go into detail, however, right now the main situation is my payment going up so high because of employees of Freedom Mortgage not doing their jobs correctly. A homeowner/holder of a mortgage should not be the person responsible when these employees do n't do what they are supposed to. 
XXXX XXXX stopped emailing me when I informed her via email that I had not received the appropriate documentation from Freedom Mortgage regarding any change/increase in my payments. I informed her that a mortgage company is required to notify me of any changes in writing and that this was not done. I did not hear from her or receive the assistance I needed after that time.
Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billinge Fair Credit Billing Act of 1975 ( FCBA. I have tried to fix this problem but transunion ignored my request for proof Pursuant to 15 USC section 611 ( i ) ( 7 ) and section ( 6 ) ( 1 ) ( iii ). I want valid proof attached to this complaint that these account belong to me and proof i was late on these accounts under Fair Credit Reporting Act.
My car loan company, Consumer Portfolio Services , Inc. ( CPS ) has done the following : 1. Misrepresented fees that I owed in collection calls, monthly statements, and pay-off notices, and with companies that I gave authorization to contact them regarding refinancing 2. Made unsubstantiated claims about the about that I owed and continually say that fees will be waived that are then added back to my account 3. Improperly assess and collected fees and other amounts because of mistakes that are made by their employees and then attempting to make me prove that the conversation happened rather than checking supposed notes on the account 4. Continues to increase principal balances with an outrageous accrued interest rate of 21.45 %. 
5. Failed to disclose financial effects on loan extensions, except for a late fee, not letting me know that there was also a daily fee that was being charged because of the interest 6. Misrepresented particular payment methods and requiring service fees, and posting payments that are mailed in as late despite a contract grade period 7. Contacting me during my XXXX work day and when I am unable to answer because I am at work, contacting third parties from a list of contacts that I gave to the dealer that I bought the car from and disclosing to them existence of debts and delinquencies in an effort to force me to return their call during work hours 8. Calling and texting repeatedly to harass during work hours and even after an extension has been granted 9. Continually threaten car repossession because excessive fees 10. Deceptively manipulating Caller ID to have me answer the phone during my work day 11. Out of 9 months of payment ( totaling {$3100.00} ), only {$500.00} has gone toward the principle of the loan. By the end of this loan, at this rate, I will have paid over {$28000.00} in interest on a original contract loan of XXXX. 
12. I asked for a pay-off amount so that I can refinance the loan and the pay-off amount was more than the original contract of the loan ( pay-off amount {$15000.00} ) and the reason that I was given if because my 21.45 % interest rate is accrued daily. 
This can not be a fair agreement and none of these terms were disclosed to me at the time that I contracted the loan on this car. Maybe that was because I never actually talked with anyone from CPS until after I had signed the loan contract with the dealer. The dealer, as a representative of CPS on her lot, did not disclose any of this information with me. They did not give me another option for a different lender because I believe that this lender is giving them kickbacks for stirring people their way. This company was sanction in XXXX 2014 by the Federal Trade Commission for these same type of practices in California. In that judgment, it was determine that the law surrounding loan servicers is very clear. They can not charge consumers more than they owe with inflated fees and interest rates. And they can not threaten and harass consumers about delinquent debts, especially after extension have been granted by representatives in their company.
XXXX XXXX XXXX ALONG WITH XXXX XXXX XXXX AND XXXX ACCOUNTS WHEN APPLIED FOR PULLED 4 REPORTS, XXXX, XXXX, EQUIFAX AND XXXX AND AS A RESULT REPORT TO XXXX TOO.
Hello Dear CFPB I am writing to ask your assistance regarding in my opinion very unfair and biased experienced that i had with Capital One. Long story short.
<P/>
I applied Capital One Venture Credit Card back 2016 XXXX and was approved {$30.00} credit limit, upon receiving my card i wanted to activate it but i was routed to customer service fraud verification department and was asked to send Copy of my Identification Card Social Security Card and other verification documents. I complied and uploaded all requested documents and after review my card was activated and was ready to be use. <P/>I did not Use my card since than but couple days ago i wanted to buy XXXX GIFT CARD online for {$2000.00} but transaction got declined, i called customer service and was routed to speak with supervisor i was asked many questions about phone number and my background and many other questions about an hour on the phone i was told i need to submit Again all my documents which i was perfectly fine to do so .Unfortunately since it was overseas customer service i could n't reach any resolution and asked to call next day. I called Next day was connected with Nice Lady Name XXXX account supervisor she advised me i need to upload again My Identification Card front and back Social Security number and Utility Bill, than i received email with instruction and uploaded all requested documents i took copy of my ID card SS card and XXXX XXXX Water and Power Bill than scan it and uploaded it hoping it will clear all concern that they have. After couple hours XXXX XXXX left me massage on my phone and than i called them back and it was very unfortunate and very disturbing news for me. I was told All my accounts Capital One Venture and Capital One Venture One was permanently restricted because for some unknown reason they can not verify documents that i send them, which is shock for me because my Capital One Account was activated back on XXXX 2016 by same documents that i send them. This is real rollercoaster and very negative experience i had with Capital One, I am very afraid and worry that because of Capital One wrong unprofessional assistance i am in situation that my other creditors might think that there is some fraud is going on and they will also close my accounts and all my Hard earned credit will be ruined and I am asking please to Clear My Name. Again Please Understand Those Documents Are Genuine 100 % Valid copy of My Identifications. There are No Fraud Whatsoever related with me or my accounts. I have perfect Credit And great accomplishment and i can not and will not allow some person or persons not careful and maybe unintentional but damaging actions ruin My Credit and Financial World.  Please CFPB assist me to clear my name and so they will remove fraud indications from my accounts and reinstate my both accounts. Thank you Very much Best regards XXXX XXXX
this is second time i write about wells fargo business account other answer was ridiculous. and in no way resolved issue. i resent spending my time like this. 
i again got feed on my business accounts WHEN IN XX/XX/XXXX i opened it up promised 6 months no fees on businesss accounts. i am closing all accounts later this month. i am tire dof the mishap this is why the account is not funded and will not be since wells can not keep a promiseplease credit the fees asap and make sure it does not happen this month i am leaving this month i asked for one year i did not get it which is why its not funded GREED GREED
I reached out to the 3 credit reporting bureaus in regards to a collection account that is not mines and I have documentation showing it is not mines. I just want to get this removed because its reporting inaccurately.
I Received an alert that someone tried to use my identity to apply for a XXXXXXXX XXXX card. I contacted XXXXXXXX XXXX immediately after and disputed the inquiry. I spoke with XXXXXXXX XXXX SEVERAL times and was promised by THREE DIFFERENT PEOPLE that this inquiry would be removed back in XX/XX/XXXX. As of today, XX/XX/XXXX, the inquiry still has NOT been removed from my credit report. I have attached the letter from XXXX stating it would take only 8-10 weeks to remove the inquiry but its been over six months. 

Creditor : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry removal : XX/XX/XXXX Category : Bank Credit Cards Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
XX/XX/XXXX  credit card declined. The last three times I have used card it was declined but when call company was told there was no problem. When I called today, XX/XX/XXXX , the said they had closed account. The card was in my deceased husband 's name. However, within a week after his death, I took death certificate to bank and they changed name of checking account, savings account, overdraft protection, and another credit card. The account that has been closed showed I presented death certificate but a bank employee failed to complete the necessary process. I have used this card with my name on it for almost 4 years ( his death was  XX/XX/XXXX ). This card had a {$21000.00} limit and {$530.00} in cash rewards. Payments are current and balance is {$1200.00}. They will not even give me the cash rewards as will only issue check in deceased husband 's name. It finally registered why they are doing this when was told they were scrubbing accounts ( after 4 years ). When he mentioned it was not discrimination, then I realized they do not want a   XXXX   year old retired person with that high of a credit limit. My charges made have always been low and payments made. This is obviously age discrimination. At the least, I want my {$530.00} cash rewards.