WillisBack/dataset-financial-user-claim huggingface dataset:
I already paid in settlement my original creditor XXXX, Nevada XXXX. but my credit report in Experian shows account is still in collection as of XXXX 2015.
Friday XX/XX/XXXX at about XXXX cmt, I was contacted by XXXX from Bayside Capitol Services LLC by a phone call on my brother 's cell phone. I spoke to the man and explained that I am XXXX XXXX. He kept talking and even speeded up. Then he did explain the debt and I am not disputing that I do owe it. So I asked if he would contact me through email due to my XXXX. He said that there were important documents that would be delivered to me at home. He asked when I would be home. I told him Monday XX/XX/XXXX after XXXX cmt Then I asked again for those to be emailed. Today. XX/XX/XXXX the same man called my brother 's cell again and left a message, then he called my work and spoke with the HR department. They delivered his phone number to me. I finally received an email with a .pdf file attached this .pdf stated that I had already agreed to a set payment amount and set dates of payments for the next 8/9 months until the amount of the debt is paid off. I did not agree to pay any amount nor have I signed off on any paperwork from this company.
A credit card bill over 15 years old. Charged off on my credit report. Still being harassed to pay.
I have an inquiry on my credit for XX/XX/XXXX from XXXX. I have not applied for ANY credit period since XX/XX/XXXX This is an unauthorized inquiry.
I did a credit check and I have paid every debt on my report etc, but I discovered XXXX derogatory comment. The deragory comment was for {$120.00} that was sent to collections by CBAASSOCIATES on behalf of XXXX XXXX XXXX XXXX. ( The derogatory report is attached ). 

I do not know what this debt is about my XXXX is in XXXX XXXX. 

I do n't know what this Judgment is and I am not aware of anything validating this debt. 

To resolve this without CFPB involvement II sent an e-mail to CBAASSOCIATES on XXXX XXXX, 2015 to determine what this was regarding. In the e-mail I stated I would file this report if I did not hear by Friday XXXX XXXX, 2015. 

The XXXX XXXX, 2015 e-mail is attached. 

Conclusion : I have XXXX negative mark on my otherwise spotless credit as a result of this alleged {$120.00} debt that I do not know anything about. 

If it is a legitimate debt I will pay the {$120.00}, but I do n't like that this Credit Collection Company can avoid due process and put this on my account.
Chase, like many banks, offers special promotional rates tied to its credit cards. Though they send out voluminous emails, and it would be easy to include a reminder to consumers, they bury the " due date '' to pay the balance in full and not incur interest on the last page of their paper or PDF statements likely hoping you 'll run over. One might be tempted to call this a " scam ''.
I opened an account as part of a new account promotion : {$100.00} for receiving {$500.00} in direct deposits within 60 days. After the opening of the account, Wells Fargo stated that I enrolled in the promotion after it ended ( which is not true ) and was therefore ineligible for the bonus. In response to a previous complaint ( attached ), Wells Fargo stated to me and the CFPB that I would receive the bonus if I fulfilled the direct deposit requirement. After the requirements were fulfilled, Wells Fargo is now stating that I am ineligible for the bonus, and has not replied to my production of their previous response to the CFPB.
After logging into my banking mobile account I noticed deposits that I did not make ... I immediately bought it to the attention of my financial institution ... After two weeks I called my bank and they notified me that not only were they no longer doing business with me they also informed me that I Would be responsible for all of the fraudulent charges to my account.
As of today, XX/XX/XXXX I have XXXX inquires that I " DID NOT '' initiate. The inquiries are on all three credit bureaus reports. I have not applied for any credit since XX/XX/XXXX. My credit reports should be free of inquiries.
" Contract was cancelled '' " NO CONTRACT '' Although debt was not validated to clear the issue I sent in a letter and check that said " in cashing this check this you consider this account paid in full and agree to remove it from all XXXX credit bureaus ( XXXX XXXX XXXX, XXXX ). This was cashed on XXXX/XXXX/2017 and the account has not been removed from all XXXX bureaus as of today.
I received a promotional offer for the American Express XXXX XXXX card. After the statement closed, it showed I had earned XXXX XXXX  points. I waited and waited for the points to post, and they never did. I contacted customer service on a daily basis and nobody could give me a straight answer. They seemed clueless. I want my earned XXXX   points to be transferred to my XXXX  account immediately as advertised. This constitutes false advertisement by American Express and it is a practice that if continued, would be exposed as much as possible on social media and with their executives so that as many people as possible are aware of your deceptive tactics.
their was an issue with identity theft account with XXXX that had gotten turned over to a collection agency, were i had actually went online and did the payment. i was informed by XXXX to wait and do that payment, because if it 's identity theft i should not be responsible for it, and they were going to look into it.so i canceled the payment through my bank.rite after i did that the collection agency want to put this on my credit report when they were informed that this was a fraud account.
On XX/X/17 a wire was sent to my Amegy Bank account by mistake from a customer. When I tried to transfer the money out of the account into my current bank account at XXXX XXXX XXXX, Amegy, refused to do it. They said that the account was not current because it had been dormant for so long. So Amegy told us to come back the next day because they had a hold on our account and that we could sign a form to send the money to our XXXX account the next day and close the account. However, in that same day, they tried to transfer our money back to our customer. But because I made a credit card payment from that account, because it did not show a hold and my payment went through, they told us the next day that they would release the hold. We wrote a check from the account to our current account for XXXX the next day and then Amegy transferred XXXX to our XXXX account. We had a balance in the account of XXXX. A few days later, I wrote a check to close out the account and deposited it into our XXXX  account. I was not told that there would be a wire fee between banks. So by writing the check, it put the Amegy account in INS Funds. I was then charged a XXXX Ins funds fee and a daily overdraft fee of {$5.00} per day until we paid it off and closed out the account. This is all confusing to me since I also received a letter from Amegy stating that if I wanted to keep that account open I needed to sign a form and send it back. I figured if I did not send the form back that they would consider the account NOW closed. But they did not. I am out XXXX, from this situation, it is not much, but it was enough for me to believe that what Amegy is doing is not right. When the wire was made for the XXXX they should have told us a fee would be charged and we would have added it to the wire transaction. Also, I have never ever been charged {$5.00} a day for insufficient funds in my life. Please look into this for me. 

I have the letter that was sent to me from Amegy Bank about the account status which I did not get until after this matter. I also have a copy of the bank transactions which I can send to you if you need them. Just let me know
ACS and XXXX XXXX conspired to illegally capitalize interest on my loans by removing the loans from Income Based Repayment ( " IBR '' ) and placing the loans into either forbearance or deferment status. XXXX XXXX holds the promissory note, ACS ( or XXXX ) is the servicer. ACS also hides its actions by placing the loans into " accounts '' or " packets '' that are not available for viewing on its website when I am logged into my account. ACS has attempted to prevent my loans from continuing in IBR every year through difficult to meet deadlines, although I have continued to meet the deadlines, yet ACS refuses to acknowledge IBR for certain loans. And, ACS has sent statements that my forbearance or deferment has ended, when none of my loans are supposed to be in forbearance or deferment, and I was mislead to believe the loans are in IBR. The amount of interest being illegally capitalized is between {$60000.00} to {$80000.00} currently, and this amount does not include principal amounts of loans. After 25 years the original loan amount will be eligible for forgiveness, but the interest that ACS causes to accrue illegally will be my payment and the IRS will collect this amount. Accruing interest in this manor is illegal. 
I attended XXXX, XXXX between XX/XX/XXXX-XX/XX/XXXX. Virtually everyone was pushed into loans with XXXX XXXX. I provided XXXX XXXX with proof that XXXX illegally inflated my tuition to qualify me for loans that I did not qualify for, but XXXX XXXX has not responded to this information yet.
Back during XXXX XXXX, I received a refund check in the amount of {$170.00} from Chase Mortgage ( dated XXXX XXXX, XXXX ), for a Corporate Advance Fee. Since the letter offered no explanation as to how or why they imposed this fee, I went back over all my mortgage statements dating back to XXXX ( original loan ). I found that these charges were applied beginning in XXXX XXXX, and currently continues without further explanation. Chase has not responded to my initial inquiry ( XXXX XXXX, XXXX ) letter. It is now 90+ plus days and I have not gotten an explanation. If the XXXX XXXX XXXX should n't have been applied to begin with, then why is it still being reflected on my monthly statements? I also feel that the {$170.00} is an incorrect amount because this issue dates back over a 6 year period.
On XX/XX/XXXX, I filed a claim to utilize the extended warranty benefit on my Citi Double Cash card. The claim was for an 4K HDTV that was not functioning in 4K. I submitted all of the required paperwork on XX/XX/XXXX and was told that a third party company would be used to verify the issue and determine a salvage value. I was not contacted by the third party service until XX/XX/XXXX ( 28 days after initial contact ) and asked for a few basic questions about the situation. After another 47 days ( on XX/XX/XXXX ), I contacted the Citi Benefits team and was told the third party company had submitted their report on the situation, even without coming out to verify the problem or seeking additional information from me. Today ( XX/XX/XXXX ), I received the notification that was my claim was denied, which is 96 days after my claim was initially filed. The reason given for denial cited that the " ( TV ) unit does not have the same compatibility rate '' as the 4K device. This is technically incorrect - the TV has twice the required rate for the 4K device, so there should be no compatibility issues due to that. I called Citi Benefits customer service to make them aware of this error and was informed that it was my responsibility to seek another vendor to verify the issue. After being told this, I asked to speak to the manager ( XXXX ) and was informed that he would request that the same third party service come and physically verify the issue. I have no confidence that there will be any resolution or follow up based on my previous experience with this group. 

Based on time duration, constant errors, and technical incompetence through this process, I believe Citi is intentionally trying to avoid honoring their extended warranty benefit. I also have no confidence that the customer service team supporting the Benefits department is advocating for the customer or trying to seek fair resolution on these issues in a timely fashion.
SYNDICATED OFFICE SYSTEMS ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify SYNDICATED OFFICE SYSTEMS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNDICATED OFFICE SYSTEMSor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.
I disputed an incorrect collection/delinquent account from XXXX XXXX, Acct. No. XXXX. I have letter ATTACHED FROM XXXX STATING IT FILED AMENDMENTS WITH ALL MAJOR CREDIT REPORTING AGENCIES TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT. I have attached that letter to this complaint. Transunion did not remove the item from my credit report. Transunion did not provide any documents supporting its refusal to delete, as I requested and as required by the FCRA, it just said the item was 'verified ' without any supporting documentation. I request you to resolve this issue with Transunion to remove the item from my credit report, as instructed by the creditor in writing on the attached letter. Thank you. Please notify me of any action taken, XXXX XXXX, XXXXXXXXXXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Thank you.
I have a Kohl 's department store card for years now. I have never been late on the payments for each month. One month I made the payment on the due date before XXXX of that evening. The next month I received a call from Kohl 's statng that my account was late. I explained that it is was not late and the payment was reflecting in there computer ( rep told me this ). I was then told that the cut off time for payments is XXXX. So my payment is now consider as late. The rep had offered me where if I make next month 's payment and the following month 's payment at the time I was on the phone with him it will not reflect as paid late on my credit report. I agreed and made the 2 advanced payments. Then the following month I noticed it was was showing as a 30-90 day late payment still on my credit reports. I again disputed the information and also contacted Kohl 's customer service and was told it will not show as a late payment. That did not happen. Again I contacted Kohl 's and was told that capital one is the one who holds the Kohl 's account so I contacted capital one and explained the whole situtation to them. I also explained that I do not like making payments in advance for the following month. I pay my bills monthly. The rep from capital one told me that there is no such thing as making advance for the following month and skipping a month. I again explained that kohl 's would tell me that ex : Pay a certain amount ex : {$75.00} and that would cover for 2 months and I would not have a payment till after 2 months. I did not like to to do that as it is confusing. I pay all my bills on time before the due date and never miss any payments. I again contacted Kohl 's customer service and again explained the whole situation and was told that they will send me a letter stating that my account has never been paid late ( I spoke with a supervisor ). I received the letter stating the my account is in current and good standing. I submitted this to all 3 credit reporting agency 's. I believe XXXX  finally corrected it and put this account from an adverse account to an account that is satisfactory but XXXX  and XXXX are still reporting it as an adverse account. This is affecting my credit score. I've been with Kohl 's department store for a long time and never had any issues until now. Actually I just checked my XXXX credit report and it was corrected and taken off so it's just XXXX and XXXX. It make no sense that the status is showing current paid as agreed but yet listed under an adverse negative account.
Navient failed to notify me twice about renewing my repayment plan. I got a notice on XX/XX/2016 through email saying that I have a new document to be viewed. This email did not specify what kind of document it was. 3 months later on XX/XX/2016 I saw that my interest was capitalized and it was way overdue to renew my repayment plan I was able to submit my renewal for a resumption of my income based repayment, but Navient refused to removed the capitalized interest even technically I have not changed my plan. In addition, Navient failed to notify me twice, as required by Department of Education, to renew my plan. I hope that CFPB can help me with this situation as Navient entices customers to have email notices as a form of communication, but fails to provide what information the notice it contains ( most of the communication are the payments and monthly bill ). It is a setup for consumers to miss important notices such as renewal of their repayment plan. In addition, Navient failed to notify me twice about renewal of my repayment plan. The Department of Education requires loan servicers to notify borrowers twice about renewing their plan. I only received one notice about this and it was solely missed because of the above situation. Finally, Navient is a company whose sole drive is to make money for its stockholders and I believe that they are finding loopholes in the current system to increase payments by borrowers like me.
XXXX was hired to do work on property damage for insured XXXX XXXX and XXXX XXXX. After completion of the job XXXX XXXX, based on our estimate and invoice paid {$14000.00}. The check was mailed to XXXX at XXXX XXXX XXXX XXXX XXXX XXXX made payable to XXXX, XXXX XXXX, XXXX XXXX and CitiMortgage. When I received the check I sent it to the homeowner who in turn signed and returned it to us. I stamped the check which is a requirement of the bank and sent it to the bank for endorsement. After four months of trying to get paid CitiMortgage will not speak to me about the check because XXXX is not on the loan. XXXX XXXX has sent me a copy of the cancelled check which CitiMortgage cashed on XXXX XXXX, 2015. I have since learned that the homeowner is in foreclosure. I will send all of the supporting documents that were sent to state farm in order for us to be paid. The work was done and XXXX was paid, however, CitiMortgage took the money. I would greatly appreciate your help in getting payment for work that has been done over four months now.
A collection agency contacted me regarding a XXXX credit card account. I agreed to pay a less amount to settle the debt. But the original creditors collection agency are still charging me but for a smaller amount. The debt was not settled or delete it
Repeating phone calls, multiple times per day, asking for somebody who had previously owned the phone number I am now using. I have told them each time that this is a new phone number for me and that I do not know who they are looking for, each time they acknowledge what I say, tell me they wo n't call again, then call two more times the next day. They also hang up on me before I get a chance to tell them to remove my phone number. I was told that my number would be removed from the account they are trying to get ahold of, the calls stopped for three days, then continued twice as often as before.
I received a debt collection letter in the mail from XXXX XXXX stating that I owe a debt of {$280.00}. The original creditor is XXXX. The account number is : XXXX. This debt does not belong to me! I am not responsible for payment for this debt, as I am a victim of identity theft and never ordered anything from this creditor. I am disputing this alleged debt. Where I live, there are about 16 apartments that have the same apartment number on it like I do of XXXX XXXX XXXXXXXX.There are different building numbers with the same apartment numbers on it. Like I mentioned before, I an not responsible for payment of this debt. I did not order anything from XXXX or XXXX XXXX. I have attached my police report I have filed and my FTC report stating that I am a victim of identity theft. I would like for XXXX XXXX to cease and desist collection efforts because this debt is not mine!