WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a complaint on XX/XX/XXXX with case # XXXX regarding being sued by XXXX XXXX XXXX XXXX XXXX for a credit card debt in the amount of {$9000.00} on XX/XX/XXXX in NY XXXX XXXX First District Court.  As of today the debt is {$12000.00} with interest. I have no knowledge of this debt. They are representing Creditor ( s ) : ( P ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I attended a final court hearing on XX/XX/XXXX and explained the judge how they could not provide me any tangible proof regarding any of these requests. Yet, I provided the XXXX XXXX XXXX XXXX response to my complaint the court as well. But XXXX XXXX  XXXX lawyer said the judge my written proof is incorrect and XXXX XXXX XXXX XXXX is still the owner of this alleged debt. After 2 months of the court hearing, I received a final decision. " The motion of my request for an order vacation the default and dismissing the action or alternative relief, is denied '' I have to pay {$12000.00} to XXXX XXXX XXXX XXXX even the company responded my complaint on XXXX saying that " This account was referred to the law offices of XXXX XXXX XXXX on XX/XX/XXXX for collections and their office handled the account on our behalf up until the account was sold to a different company on XX/XX/XXXX. Once an account is transferred and sold, XXXX XXXX XXXX XXXX XXXX XXXX no longer has any rights, title or interest in the account. You may contact Resurgent Capital Services, L.P. to discuss the account further. Their contact phone number is XXXX. Their mailing address is XXXX. XXXX XXXX, XXXX, SC XXXX. Should you have any further questions, my name is XXXX XXXX and I am Director of Operations with XXXX XXXX XXXX XXXX XXXX XXXX My contact phone number is XXXX, ext. XXXX. '' I would like to inform you that the Law office of XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX are still doing and continuing their unlawful actions. I am ready to accept any help you may offer in this matter.
The debt collector, Grant & Weber, refuses to prove that the debt is still valid and enforceable by failing to provide a copy of the signed contract. The difference between the debt being valid and expired depends on the existence of a signed written contract. Regardless, consumer has attempted to resolve the unpaid medical bill but collector is charging interest in violation of the FDCPA as they have failed to provide any evidence that they can collect interest. Further, debt collector states that medical provider will not negotiate a settlement which is a bold faced lie. They refuse to engage in negotiations and refuse to waive interest charges, yet the continue to report this account on the consumers credit report every month as an unpaid debt. The debt is nearly 6 years old. Their conduct is unfair, deceptive, and the practice of charging interest without a contract or law suit is a systemic and intentional violation of the FDCPA.
My mortgage company, Everbank, is purchasing hazard insurance and charging me for it, saying that they do not have evidence that I have my own hazard insurance. This property is a XXXX, and the XXXX has a master insurance policy, and I also have an additional hazard policy with XXXX. Everbank is aware of the XXXX policy, but beginning in 2015 they began charging me for a XXXX Master policy, saying they would refund the charge when I provided evidence that my XXXX has its own policy. I have submitted evidence of this insurance to them SEVERAL TIMES, but they continue to claim that I have not, saying its not the proper insurance coverage. Additionally, each time I speak with them about this they change the type of insurance that they claim is missing. First it was liability, then it was hazard, then fire, and most recently it is wind coverage. Despite several phone calls to Everbank over the past year, not only have the charges not been removed as promised, they are charging me again this year. I have never missed a payment, never been without insurance coverage, and I have complied with their requests to the best of my ability every time they have asked for information or proof of coverage. It should also be noted that Everbank was not a mortgage company that I chose to do business with. My original mortgage was sold to them without my knowledge or consent, and now they are charging me for things that I am already paying for, even though I have submitted proof to them several times. I have spent many hours trying to get this resolved to no avail, and every time I call them I have to start over with a new agent that tells me the same thing and does nothing to help resolve the situation.
I currently have several issues with my Capital One credit card. 
On XX/XX/2018 I made a purchase for flight to XXXX which cost {$400.00}. I later cancelled the flight on the same day, within the 24hr allowed for cancellations. 
XXXX the company I used to make the purchase, first stated they would refund the {$400.00}, but a few days later when I checked my account to see if they had done so. the charge was still on my card. I called XXXX to find out what happened and they were refusing to refund me the money. 
I then called my Capital One credit card provider to file a complaint, and explained to them what happened. Capital One issued a provisional credit to me in the amount of {$400.00}, and then conducted there own investigation, no money, just a provisional credit in lieu of investigative results. 
By XXXX, I believe Capital One credit card mailed me a letter stating XXXX had agreed to refund me back the {$400.00} and such being the case, the provisional credit they issued would stand. 
I just recently went to pay my bill yesterday, XX/XX/2018, and saw posted to my account as a " rebill '' from Capital One for the same {$400.00}. 
Today I went to pay my bill and called Capital one to find out the reason for this {$400.00} and was told something that makes no sense, and I believe the company has now billed me twice. 
I called XXXX on XX/XX/2018 and asked them to find out what happened with my account for the disputed {$400.00}. I was told by representative XXXX, that on XX/XX/2018, they, XXXX had agreed to refund the amount back to my card. He also stated the {$400.00} had posted on XX/XX/2018 back to my Capital One account.. 
At this time whatever provisional credit issued by Capital One, should have been replaced by the refund, resulting in a net zero sum. 
Capital One issued a " credit '' not any money and if they issued money, I ask them to do a debt validation of such. 
Secondly, on XX/XX/2018 I made a purchase from a XXXX company in the amount of XXXX XXXX dollars. XXXX XXXX rate for that date was XXXX XXXX to $ XXXX which would translate to {$2200.00} ( XXXX ). 
Capital One instead has charged me a total of {$2200.00}, {$26.00} dollars above the amount I was billed. 
I also have an email, I just found from Capital One and it has an amount for the the XX/XX/2018 purchase, and although it is lower than what they reported on my account, it is still more than it should be, {$2200.00}. 

XXXX the representative I spoke to at Capital One told me the reason they came up with the amount was due to the XXXX money being more than the US at a rate of XXXX to $ XXXX, this of course makes no sense as US currency is more than XXXX. I requested she send me an accounting of this and she stated they could not. 
I believe I am being defrauded by Capital One and need to have this matter resolved.
Hello my name is XXXX XXXX XXXX I was notified by XXXX XXXX also name Chase and XX/XX/XXXX said I opened an account. And put an counterfeit check in the bank account I have never bank with chase so I disputed because they told me I old them money of {$1500.00} I need to pay this money off so I pay it off on XX/XX/XXXX and they told me I can get a bank account after I pay the money off. I went into the branch in she look on her system to see if I qualify for a bank account and she yes I do qualify after that she called the back office in the told me I ca n't ever bank with you guys again. So this was not my fault I went down to the police department to get a police report so now i need to get this fix.
US Bank allowed someone to open a account in my name. I was informed by the Earlier warming the account is overdrawn in the amount of XXXX I called them and advised that this account doesnt belong to me. I filled out the forms that was provided to me through email from the bank and I still havent heard from the bank .I disputed this account with the XXXX XXXX XXXX which handle account reported by banks. USBank only respond they will not changed there information they wouldnt provide any information to show how this account is accurate and that Im responsible for the account. There no US Bank in my area. From research this bank is located several states from me. I live in XXXX born and rasie. If Im not mistaken the close branch to my area is XXXX XXXX or XXXX. I like this negative account resolved and moved off my XXXX XXXX report this negative information would keep me from obtaining a checking/saving account in the future.
This " XXXX XXXX XXXX '' payday loan originated in XX/XX/XXXX. The supposed current balance is {$1400.00}. The statute of limitations in Michigan is 6 years. In addition, the interest is far beyond what Michigan allows for pay day loans. For over 5 years, I never received any correspondence for this account, nor any calls. This items popped up on my credit report out of the blue over 5 years later in XX/XX/XXXX. I don't feel this is right and given the timing and criminal interest, feel this item should be removed from all 3 of my credit reports. XXXX just denied my request to do so. Please help.
CBE XXXX is n't willing to send me the amount that I owe. I have tried to correct my address so they could send me information ( has n't been corrected yet XXXX and tried to get them to email me my amount owed XXXX has n't happened ). When I called to complain tonight, I was told they would have to wait XXXX days before they could send me anything.
I am sick and tired of this company sending repeated letters about a debt I dont owe to them. I have requested they stop contacting me and yet they keep sending me information stating its in response to my dispute ... I HAVE NOT FILED A DISPUTE WITH THESE PEOPLE! EVERY WEEK THEY ARE SENDING ME LETTERS AND IM TIRED OF IT!
I am filing a complaint today against the above company because I have asked for debt validation and have yet to receive anything saying that I owe a debt to the actual company. Also I have never signed a contract nor had any services through Ability. Not to mention they appeared in my credit report before but was disputed due to not having validation of me owing their company any money. I recently checked my credit reports and saw they were back on there without giving me the proper notification of them putting the debt back onto my reports. I do not have any knowledge of me owing Abilitly for any services through them and when I requested validation of the alleged debt, they did n't respond.
Tower Loan has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I visited XXXX XXXX XXXX in XXXX, Texas on XXXX-2018 with a pre-qualified notice from my current bank, XXXX  XXXX. The salesman and financial manager ran credit report inquiries without my permission with 2 different banks, XXXX XXXX via Credco and XXXX XXXX. 

I called the dealership to complain and they told me I needed to file a dispute. I distinctly asked the sales manager not to run my credit. 

I texted that night after receiving an alert that 2 inquiries were made. I told him I had trusted him and he said he trusted the financial manager also. 

I have the phone text showing this conversation. I also have an email stating I would have to file a dispute.
XXXX XXXX XXXX is reporting to TransUnion credit bureau that the account is still open and it should report as closed. The balance is showing 100 % paid in full. Please have them close the account and report it correctly on my CB report with TransUnion Total shows owed. {$3800.00} The other account that shows incorrect reporting is still XXXX XXXX XXXX it is also reporting this as open account with a XXXX balance and should show XXXX  and closed status.
This dispute arises from furnisher not providing information on credit report as to whom the account was sold to. Without the furnisher reporting whom they sell accounts to, consumer are disadvantage for the following reason : any payment, settlement or agreement can not be updated through the XXXX CRA 's. 
IE consumer settles account with debt collector and sends letter from debt collector to XXXX CRA 's, the CRA 's can not honor the request to update original account because there is no information reported by original furnisher linking new owner of account. 

For the above reason, in XXXX 2016 spoke to XXXX at Transunion and I disputed XXXX XXXX ' lack of reporting as to who they sold the account to. Transunion assigned new file # XXXX. However the result of XXXX XXXX ' investigation, from that dispute, was to update the account as paid, this was also inaccurately reported. Leaving the consumer with the only resolution, a direct dispute with the Creditor. This creates a long, laborious and at times, confusing for the unsophisticated consumer to get corrections done to his or her credit report. Are they 're no standards, polices and procedures to address obvious lack of disclosure by the part of the credit furnishers? IE Furnisher reports account sold but does not disclose who sold or transferred to, Furnisher reports account paid but does report correctly. 

This dispute ends up on the door of Transunion as I could find no other way to bring this to the attention of the CFPB and the original furnisher dispute was processed through Transunion. However I always found the staff of Transunion to always be most helpful and I am not writing this as a dispute solely directed at Transunion. This dispute is broader based as it seems to occur across the board with the credit reporting agencies. 

Could you please look into this? 

Thank you in advance for your time. 

Attached credit report XXXX XXXX no disclosure who account was sold to Attached credit report results of XXXX XXXX investigations, still no disclosure of who sold to and now account updated as paid. 
Attached this letter
One and a half years ago, I refinanced my primary residence with Quicken Loans, Inc. Since that time, I have heard a number of advertisements on the radio that Quicken " will refinance and eliminate PMI at little or no cost ''. In addition, I have also received a letter from Quicken 's President, XXXX XXXX advising that " when I closed my loan with Quicken ( 1 and 1/2 years ago ), I became eligible for a RATE DROP ADVANTAGE program at today 's low rates ''. 
However, since I began the refinance process two months ago, the various personnel at Quicken have been evasive and unresponsive : 1- I have already dealt with XXXX different representatives by supplying requested numerous documents and service requests costing over {$1300.00} so far ; 2- they refuse to discuss the letter granting a rate reduction ( maybe that will happen in another 2 years so that I will have to refinance again ) ; everytime I provide a document that has cost me, they come up with another that is " required '' ; and, we never get to the end of the process -- meanwhile, along with the monthly mortgage payment, I am still paying the PMI ; 3- their representative, XXXX XXXX, recommended a VA loan as the " way to go '' -- is this any way to treat a veteran?
I contacted you three months ago regarding this company and their tactics. They have called my daughter and myself and left message threatening to send the police to my job and home with a subpoena. I do not owe this money. They are claiming this is in reference to XXXX debt. This is a debt likely purchased from XXXX but I filed bankruptcy year ago and do not owe this.I called and they called me names and have continued to harass me. They left multiple messages on my and my daughters phone claiming a complaint has been filed against me.I actually just received a check from a class action suit against XXXX. They also refuse to send written documentation of the debt
RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on and I noticed an unauthorized inquiry had been made.

I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX  inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
A collection agency, XXXX XXXX XXXX, for Capital One claims I owe {$31000.00} for a Credit Card number ending in # XXXX. 
The credit card had a {$2000.00} limit. 

This was a Credit Card i got through the XXXX. Postal Service and the XXXX and XXXX. 

This was a NO-INTEREST credit card, now they are charging me interest.
On XX/XX/XXXX, I received a call from XXXX at XXXX XXXX. After she verified who I was, she attempted to collect a debt. I explained that I don't want anymore calls and wanted the debt validated - she refused and said that she didn't have to do that and that I needed to pay the debt. There was yelling on both parts and she disconnected the call. I called back and got her again, explaining that I wanted the debt validated and again she refused, so I disconnected the call. I called back a 3rd time and got the general voicemail box stating that I wanted no more phone calls from them at all and for them to validate the debt and that I was issuing a complaint with the CFPB. On XX/XX/XXXX, I went on their website and stated that I wanted a cease and desist and to have the debt validated. On XX/XX/XXXX, at XXXXXXXX, I received a voicemail message from XXXX asking that I return their call. 

This is in direct violation of FDCPA. I told her on a recorded line that wanted the debt validated and she refused, I left a message on their general voicemail that I want no more calls and on their website and yet they continue to call.
Yup sure, since last 10 days my account is temporarily disabled i did go on XXXX and do XXXX to XXXX sending 5 time emails 2 time called on help line support still no response in my account XXXX $ usd .my whole Bussiness is stuck because of coinbase just give me answer how to re open my account .... thanxs to read me ..
My house was destroyed by a Tornado in XXXX, Ill on XXXX XXXX, 2015. Everybody involved has been great with the standard exception of Citi Finance. My insurance Company, XXXX XXXX issued me a check to begin the reconstruction of the house and since I still had a Mortgage it was issued in the mortgage company 's name also. Not being familiar with this process and not having any trust in the mortgage co. I wanted to know what the procedure was and why they had to have control of rebuilding my house. Which I still believe is none of their business as long as the property value exceeds the value of the old property. I went to their office in XXXX XXXX, Ill and talked to the Center Manager, XXXX XXXX. He called the office that was to handle the money. The name of the dept is Citi Escrow services Lost Draft Dept. He informed me that they would send me information after receipt of the check in the mail. And that further they would distribute the funds afterwards as needed. Well Now I am told that Contractors have to fill out documents and then a dispersal will be done at XXXX increments over the span of reconstruction. This is not what was explained to me. They lied just to gain access to the funds and are now telling me that is the procedure period. I have a house I need to demo. It is a hazard and has been sitting there since the XXXX and they could care. This company has a habit of enticing you into any situation they want.
My name is XXXX XXXX and I am a victim of credit card fraud by a person and by the citibank credit card company as well. I worked at XXXX full time during the hours that I believe my phone along with my credit card was stolen from my locker and used. I worked at XXXX during this time from the hours of XXXX XXXX  - XXXX XXXXXXXX ( Monday-Friday ) for about 2 months starting from XX/XX/2018 - XX/XX/XXXX or so. I WAS WORKING from XXXX - XXXX XXXX  on this friday XX/XX/2018. At XXXX A person used my phone at an XXXX XXXX   in XXXX XXXX to call my credit card company and FAILED my security word which is XXXX. the credit card company then issued a text and the person verified it was me. Im not sure why they didnt verifiy me based off the favorite snack word. and if a person failed it then they should have NEVER been allowed to use my card. Bear in mind it takes about 1 hour to drive from XXXX to XXXX XXXX and 1 hour to drive back and I did NOT leave work that day during the time of XXXX I took a 15 min break with many of the employees at the XXXX XXXX. In addition to this when I finished my work shift at XXXX XXXX I noticed my phone moved from my locker and my wallet felt lighter. I looked online and saw the charge for 12000+ dollars at an XXXX XXXX I HAVE NEVER BEEN TO AN XXXX XXXX IN MY LIFETIME. and I own an android phone. I called XX/XX/2018 at  a later time maybe around XXXX XXXX and used the correct security word ( XXXX ) to verify it was me and explained it was not me who used the card. Lastly for some strange reason the credit card investigators are saying that they verified my voice to the fraudsters voice I guarantee you thats IMPOSSIBLE please look into this investigation Citibank credit card company is a total fraud and I want my money back and I will NEVER pay this debt.
CSC LOGIC inc, XXXX XXXX XXXXXXXX has several contact phone numbers on the statement. Two numbers placed me into, respectively, a survey about whether the XXXX are a good place to vacation stating that participants might win a free trip, and an offer for a " free '' {$100.00} shopping certificate if I paid {$4.00} shipping. In both cases there was no option to skip the advertisement. If I refused to answer the company hung up on me. I tried to open an online account to get information off the website but the statement did not list the site code required to open an account. In the end I called the collections number. When I told the collections rep I was filing a complaint with the CFPB she answered my questions about interest rate and calculations. She told me the number with the ad was the actual customer service department. I had called because two payments were reversed and reapplied with significantly higher interest amounts.
I sent in documentation to this company to dispute The start it included a copy of a police report and the federal identity theft affidavit I sent this to the company in XXXX of this year XXXX of this year XXXX of this year. Each time they respond that they believe the data is mine and they wont remove it from my credit report and they still reported on my credit report