WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried to work through XXXX and XXXX to remove an invalid debt for over 4 months, and have been rejected through the re-investigation process. The company, AFNI INC, is a well-known predatory debt collection " company '' that creates false debts, sends them to credit reporting agencies, and makes dozens of harrasing calls each day to their " customers ''. The debt they have reported with XXXX XXXX XXXX for {$410.00} does not exist, as I have confirmed with XXXX XXXX XXXX that no such collection was filed. With the smallest amount of online research, I was able to find out that AFNI uses these false debt collection practices on thousands of Americans every year. It 's predatory bullying at it 's worst and the exact reason the CFPB exists. I have spent hours trying to get XXXX and XXXX to remove this FALSE collection from my reports, but they have not taken them time to research AFNI and see that they are a SCAM. I am now urging the CFPB to do whatever is necessary to remove this false debt from my credit reports. I have exhausted every remedy that was suggested to this point of working through the credit reporting agencies. Please help me.
COLLECTOR KEEPS CALLING MY DADS CELL PHONE AND FAILED TO VALIDATE, NOW MUST CEASE AND DESIST COLLECTION EFFORTS I AM DEALING WITH ORIGINAL CREITOR.
They keep reporting inaccurate information ... and statuses and DATE OF STATUS..!! This is a clear case of Re-aging an account that the original creditor refuse to validate or verify. The company XXXX/ XXXX only response after several certified letters is ... we need more information. But yet Experian continue to say they have verified the account. XXXX and XXXX have deleted the inaccurate line.On XX/XX/XXXX I sent XXXX a certified letter.. they responded ... need more information. On XX/XX/XXXX ... sent a dispute to Experian. They responded as verified. So I sent letter # 2 wth the inaccurate info on report. So we are back and forth ...
Experian credit bureau is reporting my XXXX XXXX account in a derogatory status. This account is paid as agreed and never late.
dynamic recovery solution 's calls me every couple of months asking for XXXX XXXX XXXX XXXX. last 2 calls XX/XX/2019 at XXXX XXXX  and XX/XX/2019 at XXXX XXXX. this is after asking them to stop calling me, I have no debt, why are they calling me? I contacted dynamic recovery solutions, they said they would remove my name. right away I get another call. and they continue to harass me, why is this company getting away with harassing people? 
and why are they calling people with no debt and harassing them? 
they call with no caller id and no phone number, they leave a message saying that by listing to this message I'm confirming that I am XXXX XXXX XXXX XXXX. 
I have recorded phone calls & messages saved from dynamic recovery solutions that documents there harassing calls and texts. something really needs to be done here. 
thank you XXXX
I am writing in regards to a fraud claim with Chase Bank, which I have tried to get resolved with Chase since XXXX XXXX with no success, which is the purpose for this complaint. For reference my case number with the bank is : XXXX noticed that since XXXX I have been receiving a recurrent charge in my account for cash withdrawals that I never made nor used, beginning in XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. In none of the billing statements I received however beginning in XXXX, no cash withdrawals appear, nor on what date those withdrawals were made, or who made those withdrawals and where. I have the original account statements I received during that time and no withdrawals appear. I would like to clarify and emphasize that I did NOT make those withdrawals, do not know where those withdrawals were made, and on what days specifically they were made. I can only assume based on the information I have gathered that this may be a case of fraud or an error in the system of the bank. To this current date, I am paying interests on cash withdrawals I never made from XXXX up until present date. I am being charged a total sum of : {$2300.00} on cash withdrawals. I 've contacted Chase through various methods including notarized letters with my account statements and phone calls, to which my claim did not get resolved. When I sent the last letter in XXXX, Chase Bank sent a letter informing me that I requested for my bank to be closed and that my bank account had been closed and the outstanding balance needed to paid. To clarify, I never requested for my bank account to be closed in any of the letters I sent.
While attempting to withdraw XXXX from a US Bank atm in XXXX Oregon with an XXXX atm card, I was sent to a screen asking me if I wanted the currency converted from my XXXX bank account to XXXX before withdrawal or whether I just wanted to proceed with the transaction. The conversion rate offered on the screen was significantly lower ( XXXX4 % ) than the market rate XXXX would receive by simply proceeding with the transaction. Meaning that the bank would make a significant profit over an above the fees already charged from unsuspecting customers who elect to exchange the currency on this screen rather than just proceeding with the transaction. The only legitimate reason it would ever be in the customers interest to take this conversion offer is if the foreign institution charged a currency conversion fee that exceeded the difference in rates. Since foreign transactions fees at many banks are flat fees or waived on many types of cards, this offer in most cases amounts to tricking unsuspecting people into paying an unnecessary fee.
Today I call to Trans Union Represents to ask to remove inquiry which I never Authorized to these Company .I start seeing after there system crash I ask them to remove it please but he could n't help me to remove it .Please help me to remove this error in my credit file. He give me this file Number XXXX.Thank you
By phone and in writing I requested a copy of my signed original mortgage information because I do not believe the rate or terms are correct. Both times they replied with information generated from their system, not the information that I asked them for.
We went in to look at the cost of a vehicle and filled out paper work to see if we were able to get a loan from one company. At the first denial we decided not to continue with the dealership but the dealership kept sending out loan request even after we no longer stated we were no longer interested and no longer wanted to deal with the dealership. 
The inquiries were all done on XXXX XXXX 2013, the original and approved inquiry was on XXXX XXXX, 2013.
Dear Sirs : XXXX XXXX XXXX XXXX a debt collector, is attempting to collect debt not owed by me. I do not owe anything to the company, XXXX XXXX they 're representing. In fact, XXXX XXXX confirmed that they were giving me credit for the fraud that they tried to perpetuate on me. So by XXXX XXXX XXXX XXXX XXXX  representation and extension, I am filing a complaint to stop this misrepresentation and stop a potential re-occurrence of fraud. I attach all the related documents.

Here is a summary of the sequence of events.

1. On XX/XX/XXXX, my wife and I reserved/rented a car with XXXX XXXX in XXXX for four days and returned it exactly as per rental agreement.

2. On XX/XX/XXXX, XXXX XXXX issued a fraud alert saying XXXX XXXX attempted to charge us for {$120.00}, which the bank declined. We had no idea what the charge was for.

3. On XX/XX/XXXXXXXX XXXX ( XXXX ) emailed me saying my car was overdue. I replied right away saying I returned it on time.

4. OnXX/XX/XXXX XXXX XXXX, rather than replying to me, charged me an extra {$280.00} ( equivalent dollars ) through our XXXX XXXX without explanation. Looking at the charge, they claimed I returned the car 3 days later.

5. Sensing fraud, I immediately disputed said amount through XXXX Fraud Alert department.

6. After a back-and-forth with XXXX through XXXX and explaining what happened presenting evidence that we left the country on XX/XX/XXXX, XXXX finally gave us a credit through XXXX and bank notified us onXX/XX/XXXX that this was resolved.

7. Despite this, XXXX sent us a collection notice directly by mail and followed up by email in the person of XXXX XXXX on XX/XX/XXXX - about two and a half-months later. I replied right away that this has been resolved and their company sent me a credit note, which I attached in my emailed reply.

8. XXXX XXXX XXXX acknowledged it but still insisted on payment. She threatened sending the already resolved dispute to a collection agency. This is extortion. Why would I go through another potential misuse of my card? ( Please note that there was a fraudulent charge from an XXXX vendor while the dispute was going on. I only used the XXXX card for XXXX XXXX and nothing else. ) 9. JXXXX XXXX XXXX XXXX  through their representation, is perpetuating this fraudulent charge without verification.
Someone got a hold of my debit card as I apparently had lost it debit card & did not realize that I had lost it. I did not realize it was missing until I recvd a call from SunTrusts fraud prevention department asking me to verify charges. I advised that the XXXX charges made on my account were not made by & were fraudulent. They immediately shut my card down & told me they would file a claim for me. They gave me claim number XXXX. I waited & one day I recvd a call from someone with SunTrust bank by the name of XXXX and something close, from the investigations dept & I explained was bad time a could n't speak as I was at Dr appt. She asked when would better time & I explained in a hour or so. She never called again, I made several attempts to call her back & left several messages that same day & even a couple of days later. The very next day after I received email saying that my claim was denied as there was no error on the bank or merchants part & the claim was denied. I spoke to a supervisor & explained that someone had my card & she explained that there was n't a lot of info as to why the claim was denied & only info she has was they determined there was no error on the bank or merchants end. I explained that I had the card immediately shut down when the fraud was discovered. They told me that looks I had done business with the merchants before, & appeared valued. It was XXXX!! Who do n't shop at XXXX but I would not have gone two hours away!! Also some of the charges were made while I was at a Dr 's appointment as I had recent XXXX. They told me I could file a rebuttal which I have done and it was submitted on XXXX XXXX, 2016. Every time I call I get no info. They said they would send me documents that they used to determine and support the decision but all they sent was a copy of the original denial letter again and no documents were actually sent to me. When I called to inquire as to why I did n't get documents just another copy of the denial I was told that was all the documents they had. To this date XXXX/XXXX/2016 they have still not given me back my money and seem to be giving me a run around. I would like my money back I did not authorize the transactions or take part in anything and have done everything that they have asked me to do! CHECK CARD PURCHASE XXXX XXXX # XXXX XXXX GA for {$520.00}, CHECK CARD PURCHASE XXXX # XXXX XXXX GA for {$450.00}, and CHECK CARD PURCHASE XXXX # XXXX XXXX GA for {$200.00} all the transactions were made on XXXX XXXX, 2016. I would like my money returned
I received a Notice of Intercepted Funds for a property claim I submitted to the California State Controller 's office on XXXX XXXX 2015. I had paid the debt these fund were intercepted for months prior to submitting this claim. 

The Notice states " If you were due more than the intercepted amount, you will receive a check for the remaining amount of the property in approximately 30 days of this notice date. '' The notice date is XXXX/XXXX/15As of XXXX XXXX 2015, I still have not received the amount due to me. When I call Allianceone, they keep telling me they do n't have the funds. They tell me their records show the debt was cleared months before the claim was submitted but they will not send me the money due to me. 

AllianceoneXXXX XXXX XXXX, WA XXXX ( XXXX ) XXXXXXXXMy account number with Allianceone:XXXXAnother address is : AllianceoneXXXX XXXX, WA XXXX
There was an fraudulent account opened in my name with Synchrony Bank via XXXX. There was no balance and I have already talked to the bank representatives about the matter and they seemed to have corrected the issue but just wanted to keep you all abreast of the situation. If there is anything I can do to erase this bad mark on my record please let me know. I will submit a 7-year credit monitoring service with one of the credit reporting agencies and also I have reported it to my local police department.
NationStar Mortgage increased our monthly mortgage payment without notifying us. When I called, I was told that the payment increased in XXXX, 2016. We have been making the same payment each month and now have a past due amount showing on our statement. Their customer service representative could not explain anything she had no idea what she was talking about, just kept saying " payment increased in XX/XX/XXXX ''. I asked to speak to a manager and was put on hold for 45 minutes at which time I hung up.
Last yea r, Citibank took over Costco ' s  XXXX   XXXX  card. During this time I was away on a trip. Upon my return I could no longer log into  XXXX   Bill Pay an d was told the card was no longer valid. I cut my card up. It to ok Citibank a couple  months to contact me that they had taken over the account. I asked for a statement showing my last balances and payments with COSTCO card since I could no longer access that and always paid bills on line. There was no response. A couple months later I started receiving calls from Citibank to collect the balance due. Well in this day and age of scams you would be stupid to hand your payment over to someone on the phone so I asked for the statement which I was told would be mailed. I clarified my address etc. No statement came. This scenario repeated itself-calls from them, sometimes several in a week, and my request to see a statement. I never got a statement despite the promises. For all I knew it was a scam . 2 we eks ago I got a letter from  XXXX  financial -Citibank had turned over my account for collection. I told the lady what had happened and how I have never received a statement. She was able to get and mail m e one.  I paid what was owed but do n't feel I should be paying late fees etc when Citibank could not or would not produce a statement. The Financial company could not negotiate that, so as a consumer I am just screwed  by Citibanks inco mpetence in the takeover of the Costco  XXXX  cards. I intend to shift any other credit I have with Citibank to another provider. They do not deserve the business.
Collector : Leading Edge Re Collector 's phone # : XXXX This company is calling for another person 's debt. This person does not " own '' our number ( XXXX ). They have been so informed. 
Calls ' Frequency : At least twice daily.
Our home flooded XXXX XXXX, 2016. We submitted a claim with our Flood Insurance and was paid XXXX in damages. The check was written to us and Ocwen Loan Servicing, LLC ( our mortage co ). ( loan no. XXXX ) ( XXXX ) We contacted Ocwen and was put through to their Loss Draft Department. We were told what documents were needed to get draws from our account. We have repeatedly submitted ALL REQUIRED documents and Ocwen has paid out XXXX as of XXXX. We submitted 3 estimates to be paid on XXXX XXXX. We have called several times a week to check the status of the checks. We are told EVERY TIME something different, ie. XXXX documents now rejected, adjuster document rejected ... They have ALREADY paid out on these contractors bills, how are they now rejected? We are then told our " request for payment '' will be sent to be approved, then we are told are request was approved and check submitted only to NOT receive the check. We paid a fee to have ALL payments overnight mail to us. We call the next day and are once again told the exact same thing, from the rejected documents, to its going to board for approval, to it will be sent out with note to rush the process, etc etc. We CAN NOT have our home repaired and completed if Ocwen holds our insurance money and does not pay out to our contractors. We are homeless and just want to go home. This is OUR Insurance money, NOT Ocwens money. How can they NOT pay out when we have complied with their policy, rules and regulations.
XXXX XXXX XXXX, threatened if full payment is not received by FIFTH THIRD BANK by XXXX/XXXX/16, further action will be taken to secure payment of the amount owed including reviewing this matter with the Prosecutor 's office for possible criminal charges.
The law firm of  XXXX ,  XXXX ,  XXXX ,  (  "  XXXX  '' ) contacted me about a credit card that I was behind on from Chase Bank.  XXXX  made numerous phone calls, and sent letters that implied came from an attorney at  XXXX . I just could n't pay anything.     After a while,  XXXX  then starting calling and sending letters, saying that the account has been acquired by a third-party debt buyer  XXXX   XXXX . The calls and letters implied that it was coming from the same set of attorneys that had represented Chase Bank. I still could n't pay anything. However, I noticed that the new client of  XXXX -   XXXX   XXXX  , was not licensed nor regathered to do business in  Indiana  . This was a violation of at least Indiana law, and may also be a violation of the FDCPA.     I wrote to  XXXX , and told them that they were in violation of law. I told them that I had talked to Indiana attorneys, who told me that   XXXX   XXXX   was in fact violating Indiana law, and had no legal standing, etc.  XXXX  failed to respond, so I called them. I left several messages, and sent Certified Letters, which I can provide to the CFPB. I finally got to speak to the so-called  Compliance Officer, wh o said that the " boss '' was on vacation, and would get back to me.     Its been a few years, and the Compliance person I guess is still on vacation. But,  XXXX  has quit calling and has n't sent any letters.     I also discovered other lawsuits that  XXXX  has filed in Indiana, for other debt buyers and other financial groups that are also not licensed nor registered to do business in Indiana. In talking with some Indiana attorneys, it is a requirement that an attorney first check to make sure that a corporate client has legal standing prior to trying to collect on a debt for the client.     I have been told that unlawful attempts to collect on debts for unlicensed and unregistered clients is a violation of Title  5 of the Federal Trade commission Act, in what is known as UDAAPs, or Unfair and Deceptive Business Practices.
my name is XXXX XXXX XXXX i have gotten a letter from bayview loan services # XXXX saying i owe more than XXXX dollards inclue taxes not true i pay off the taxes early this year i do will not pay what they ask i have a new mortage rate signed, notary new amount starting XXXX 2015 rate of 2 % -i am asking that you do your job and check u r suppose to help people but u have done nothing for me if i can every get thru to XXXX radio station i will tell him u have never help me even though he speaks about the company all the time on his show XXXX radio if u do not believe me u try getting thru and speak to XXXX tell the bayview i need them to check their info in system b/4 sending out letters i will only pay new payment, taxes not due till XX/XX/XXXX i will not pay any more if due then i will pay.thank u
Bank Americard VISAs charging me for XXXX flight XXXX from XXXX to XXXX which took place XX/XX/2016 and returned XX/XX/XXXX. The flight was actually paid for through my XXXX card and the flight taken. Originally I attempted to book this flight on-line through a travel site called XXXX. My Visa card was denied twice by XXXX. I called both Bank Americard which said the card was fine and the travel site which said it was not their problem. Because my trip to XXXX was urgent to visit my XXXX sister, I switched to another on line travel site XXXX and booked the flight using my XXXX card. The booking was confirmed on XX/XX/XXXX, I was sent an XXXX and subsequently took the flight. I also called Bank Americard to make sure my VISA was not charged ... I believe right after I received the confirmed booking. Visa indicated my credit card had been charged and they would begin an investigation. 
I received letters from VISA Bank Americard on XX/XX/XXXX assigning me a case number and identifying a Ticket number ... the first time I was aware that a ticket might exist. On XX/XX/XXXX I received another letter from Bank Americard saying they could not resolve the dispute. The letter contained the following statement : " The merchant was willing and able to provide the service, but was prohibited from doing so as a result of circumstances beyond their control. I asked for clarification about what this meant but the customer rep refused to reply. I received still another letter on XX/XX/XXXX repeating this explanation and demanding that I pay for the ticket. At not time did I ever receive a ticket or booking confirmation from either XXXX or XXXX. In my discussions with XXXX the customer service rep indicated they had been paid by XXXX and not Visa and I should take my dispute to the travel site. I have talked to the travel site twice but have not heard anything. They seem to be a shell company owned by a XXXX, apparently standard among on line travel sites. Please note I previously paid for the XXXX flight using my XXXX card and took flight XXXX to XXXX and return. I never ever received a confirmed booking from XXXX for the same flight i originally attempted to charge to my Visa BankAmericard. It therefore seems outrageous that I am expected to pay {$960.00} for a flight for which I never received a confirmed booking or XXXX. Someone in this convoluted affair is disassembling. Bank Americard maintains they paid XXXX, although XXXX stated to me they had only been paid for XXXX ticket with my XXXX. The Travel site XXXX refuses to say if they were the recipient of a Bank Americard payment. I have spent countless hours trying to resolve this problem. I can not. Please help me get the disputed charge of {$960.00} off my Bank Americard Visa. Thank you. XXXX thr after i received a message through a travel site XXXX through which I and
Midland credit management, inc contacted me to collect a debt. I am in the process of paying off my debt and i had believed i was finished. 
The debt did not show up on my credit report so i requested more information from the individual at midland. He refused to supply anymore information or debt verification. I gave up and stated that i would pay in full as long as they could provide me what we had discussed in writing as i had with all the other company 's. Midland refused to provide this as well so i hung up. 

They keep sending mail, they call my cell phone at all hours of the day, they contact my work looking for me, and have even called relatives and friends of mine.
I went on XXXX. I wanted my credit score from Experian so I agreed to pay the fee. However, I feel it was not made clear to me that I would be charged a month fee from that point on until I proactively cancelled. I think this is underhanded and they are taking advantage of countless citizens that are not clearly aware of the contract they are agreeing to when requesting a score which in my opinion should also be free once per year. I feel I was tricked by the fine print scam and they refuse to give me my money back.