WillisBack/dataset-financial-user-claim huggingface dataset:
I need to report violations of the FDCPA by XXXX and Cavalry Portfolio Services in regards to an alleged debt in my name. Cavalry is attempting to collect a debt that doesn't exist. They claim it is a XXXX credit card debt I had from XX/XX/XXXX-XX/XX/XXXX and even filed a lawsuit in the XXXX XXXX courts which honestly prompted me to make a few payments to avoid the lawsuit. I finally looked into the debt because I didn't remember ever having a credit card that long and I noticed the paperwork Cavalry sent me was stating an APR of 29.99 % which immediately told me something was wrong. I was in the XXXX XXXX on XXXX XXXX during that entire time period and never had anything with an APR that high because thanks to the Servicemembers Civil Relief Act I was entitled to a 6 % APR on all my credit lines. I must assume this paperwork is modified or not real at all so I begin to do some research and I don't find anything anywhere showing I had a XXXX credit card during those times. I did however find a XXXX credit card debt that was closed satisfactorily in XX/XX/2007. The chances of me closing a credit card and then opening the same exact card again 27 days later is very, very unlikely. This is clearly a fabricated debt with an unlawful APR, fabricated documents and a lawsuit that I just lost {$320.00} on trying to do the right thing. Although the debt doesn't exist Cavalry filed suit anyway and collected 3 payments from me without ever attempting to mention anything. Even the document showing alleged account information shows the open and close date with an address I didn't live at during either of those times. All the information is wrong and yet they are reporting this account to the credit bureau 's and since I made those payments Cavalry has re-aged the debt thus performing yet another illegal credit act. I have informed Cavalry about this, I have called XXXX and I have sent disputes through the credit agencies but they refuse to leave me alone. Please help me get this taken care and ensure all companies involved are punished accordingly. Thank you for your time.
Good Morning CFPB Research Team, I keep getting several phone calls per day from IC System Inc. regarding a debt I asked them to Verified the debt with proof of my sigutaure are something in writing I asked them several time to Validate the debt no respond but yet they keep calling me at work on my cell leaving very abuse message treating me with Arrest warrant I advise them that the law is clear they need to validate this debt with proof of signature I 'm still waiting but yet they still calling me Thanks XXXX XXXX
Bank of America did not send me an XXXX statement. As a result they could charge me a late fee for not paying on time and increasing my APR ( on my XXXX statement ). I have disputed this fraud practice multiple times but BAC refuses to address my concerns.
On Thursday XX/XX/2018 I recieved a text alert that my bank account went below XXXX. I checked my account and XXXX XXXX in XXXX XXXX, AL took out {$910.00}. I live in Pennsylvania. I immediately called my bank and cancelled my card, filed a police report, and a formal complaint with XXXX XXXX. I found out the next day that several other people in town had something similar happen to them. Their banks all put the money back in to their accounts with the understanding that if it turned out not to be fraud they would take the money back out. My bank, First National Bank ( FNB ), said they can not do that until after the investigation is complete whether that be a few days, weeks, or months. I explained to them, why would you want all my checks and other bills to bounce on the account and then rack up a bunch of overdraft fees. For example, if my mortgage came out and bounced, it would be a {$37.00} fee, then that fee doubles every 3 days. This would the case with each overdrafted transaction. Then when I got paid the following Friday, they would take the money from that check deposit to pay the fees, thus putting me back not only over {$900.00}, but also the several XXXX dollars of fees that would have built up by then. I spoke with 5 people in the company, I have 3 names, a XXXX, XXXX, and XXXX. XXXX was the only polite one. They all agreed they did not agree with FNB stance on Fraud charges. However, refused to help me get my money put back. Instead I had to empty out my savings and max out my credit line ( thus affecting my credit score ) and borrow money from a family member to get my account just enough to cover the checks that were already out, so that they would not bounce and I would not be behind EVEN more with my finances. This is such an unprofessional way to help someone who was clearly hit with fraud and I was not the only one effected by the same debit card hack. I spoke with a lawyer and she said that FNB is infamous for how difficult they are to deal with and help you when money is taken from you.
ON XXXX XXXX MY HUSBAND AND I WERE VICTOMS OF A SCAM DONE BY XXXX XXXX XXXX ( XXXX ) MY CHASE CARD WAS CHARGED XXXX BY XXXX. AFTER RELEIZING THAT THIS COMPANY WAS A COMPLETE SCAM I TRIED TO CANCEL BUT ALL THERE NUMBERS WERE DISSCONNECTED I THEN CONTACTED MY CHASE CARD ON XXXX XXXX I DISPUTED THE CHARGE AND A XXXX XXXX CONTACTED THE APPROPIATE PEOPLE AND THEY TOLD HER I WOULD RECIEVE A REFUND IN 4-6 MONTHS. I HAVE ATTEMPTED TO GET HELP FROM MY CARD COMPANY WITH NO LUCK I AM AN ELDERLY WOMAN WHO HAD TO BORROW MONEY TO PAY THIS DUE TO THE HIGH INTEREST RATE. I DONT UNDERSTAND WHY MY CARD COMPANY WILL NOT HELP ME I AM SUPPOSED TO BE PROTECTED AGAINST THINGS LIKE THIS. I FEEL AS THOUGH NO ONE IS WILLING TO HELP ME AND THESE PEOPLE JUST GET TO RUN OFF WITH MY HARD EARNED MONEY. I DONT UNDERSTAND WHY NO ONE IS WILLING TO GET MY MONEY BACK. I HAVE DISPUTED THIS CHARGE MORE TIMES THAN I CAN COUNT OVER THE YEARS AND I WILL NOT STOP TILL I GET MY MONEY BACK
I received a letter from Prosper.com telling me I was pre-approved for a personal loan. When I went online and entered my confirmation code they said I could not get a loan at this time. Then they tried to redirect me to another loan program. I see invitations for credit cards and other types of loans all the time. None of them explicitly state that I was pre-approved for a loan. Prosper.com is definitely trying to mislead the public in their advertising.
The caller I.D . says Midland Credit. The phone number that shows is XXXX. We have gotten daily and sometimes twice a day harassing phone calls and they have not left a message for the past 1and a half months.
This credit bureau has been notified that this account is not mine and  may  have been obtained fraudulently. The companies are  XXXX   XXXX  and  XXXX .
Charged off accounts # XXXX and # XXXX from Navient should be removed from my credit report. The accounts are over 10 years old. I honestly had no idea what I was signing for when I was told by the college to sign up for financial aide. I did not know they were private student loans. There was not full disclosure. Please help me have them removed.
I paid off my lease for Ford Credit and leased another car from Ford Credit, At the time I lease the new car, I paid the I paid the last installment of the current car. The dealership assured me that it would satisfy the remainder of the lease. 
Within a couple of days from leasing the new car, Ford then drafted the payment from my old car even though the lease was satisfied. I have written XXXX emails and called 3 times to get the refund and I am always promised that it would be refunded immediately. The first e-mail said within 10 days. 
After 2 weeks I called not having received it. I was assured it was on its way, A week later ... the same thing. The next time I called they said it would be 24 hours and it would be ACH 'd back to my account. I still do not have the refund and its been a month. Ford Credit drafted a payment on a paid off account and now I ca n't get a refund,,,,,,, please help. 

Thank you.
Hi, Thank you for your time and help. 
Yes, I have two hard inquiries that show in my credit, that I didn't approve or remember applying for an application.

Here are the two inquiries that are incorrect and would like to remove them from my credit Please and thank you. 

Brclysbankde. 
inquiry from XXXX, XXXX XXXX, DE XXXX ( XXXX ) XXXX Brclysbankde inquiry from XXXX, XXXX XXXX, DE XXXX ( XXXX ) XXXX
I had applied for the loan to complete a XXXX program XXXX at XXXX University XXXX changed names to XXXX XXXX University, XXXX, Wyoming, XXXX. The school closed in XXXX XXXX. I went to withdrawal in XXXX XXXX but decided because I had already paid for my degree that I no longer wish to withdrawal. I received an email stating that I was withdrawan and when I asked to be reinstated they told me The University 's Board of Trustees decided last week to not enroll Inactive students and to focus the University 's resources on current, Active students. I reported them and tried to be reinstated to find out they were a complete fraud. In order to attend the school you had to pay for your degree up front in full. In order for me to do this they provide student aid services which sent me to XXXX XXXX XXXX now Navient XXXX to fund my school loan. They did and I paid for my schooling up front, which should have caught my attention, but I have been paying on this loan since XXXX for a degree I was never allowed to finish, would n't have been valid, have paid thousands out of my pocket and now I 'm still in debt thanks to this. I was n't informed of any lawsuits that were filed against the school to help some of us get our money back. Unfortuniately for me because it was n't a federal loan I do n't qualify for a discharge and I have tried talking to my loan servicer about this and I get no responses from them. I am just trying not to pay for something I did n't get. If it was a credit card or checking account I could dispute the charge but this loan there is no one to help me dispute it. The school was a fraud and this loan was paid to them. Why should I pay for something that was a fraud.
Please refer to complaint # XXXX. Since there is no way to reopen a complaint I am forced to open a new one. In the complaint previously filed, XXXX indicates that they NEVER received a XXXX XXXX, 2016 letter from me regarding the issues I was having with their credit reporting. It took me a bit longer than I would have liked, but I knew I had a copy of my letter along with the signed Returned Receipt and my receipt from the Post office. As I have indicated in the prior complaint, XXXX has been the most disorganized company to work with and even when I was paying ahead of schedule they were showing Late payments and reporting it to the Credit bureau. In their response to me which they attached a copy to the above complaint they indicate their first notice of this complaint was in XXXX sometime. It was in XXXX and I am attaching the proof. This is not fare to comsumers and should not be allowed. Once again you can see that they ca n't keep their own records straight, yet they are allowed to ruin their customers credit. Please address this. They have once again lied.
The debt is on my credit report as Portfolio. I have noticed calls on my caller ID from Portfolio but never once is there a message left. How can I know who this is and what they are calling about if they do not leave a message so I can contact them?
Gatestone continues to call my workplace to collect a debt of {$110.00} from XXXX. XXXX has indicated to me that this was a mistake and they will correct the issue and send me that in writing. I have told Gatestone not to call my workplace phone and to send me their concerns in writing. They continue to call but I have not received anything in writing.
XXXX XXXX and then Navient would post extra principal loan payments even with my expressed desire to apply the monies to loan principal reduction as loan interest payments. Over {$2000.00} was posted as interest abd future interest payments eventhough specific instruction was given to reduce loan principal with the intentional loan payment amounts. Each contact with Navient customer support resulted infrustration and purposeful stonewalling. In addition Navient 's practice of simultaneously floating two outstanding loan payments being due illegally maximizes interest income.
After reviewing my credit report I show that I have a negative account fro m Universal Acceptance in the Amount of {$4300.00}. I have no knowledge of this a ccount. When ask for documentation to prove verification, I was denied. I understand that this was transferred between companies and it seems no one can provide me with the information that 's needed.
i got a notice via email about the pin being changed on my account. i tried to log into my account online and got a page saying the account was closed temporaraly. i called the number listed and was given another number to " XXXX '' that was " reviewing my account '' ... ive gotten no response ... the account is is less than 2 weeks old ... i made my {$0.00} deposit to get my debit card sent to me. then a {$1.00} deposit and {$1.00} withdrawal by XXXX  to link my account to XXXX. roughly 3 days later i am currently locked out my account and have got no respponse from " XXXX '' ... my account is an interest checking account through ally bank ... ( online banking ) my name is XXXX XXXX and an email i can be contacted at is XXXX XXXX
I pay my bills online every month. I authorized a payment on my auto loan to WELLS FARGO DEALER SERVICES on XXXX/XXXX/2015 which was paid. WFDS attempted to take a second payment on XXXX/XXXX/2015 which was returned and a {$28.00} overdraft fee was charged to my account. I did NOT authorize this payment. I spoke with WFDS and my Credit Union about this situation. On XXXX/XXXX/2015 WFDS put through the second unauthorized payment which overdrew my account again and I was assessed another {$28.00} fee. [ My checking account is with a different bank. ] I 'm on XXXX and get paid once a month. Now I 'm short for the rest of the month and neither bank will help me!
i received an update on my credit report and I now have a collection reporting from a company names MIDWEST Recovery. I have no knowledge of this company any why they are reporting on my credit file. I was never sent any documentation or a DV. I would dispute this debt because i have no knowledge of this company
This home equity mortgage was paid off in XX/XX/2016. XXXX is still reporting this as active on my credit report and to date still has not sent me the cancelled mortgage despite charging me {$160.00} to do so.
This is a new complaint specifically on XXXX XXXX. 
I opened Certificate of deposit # XXXX back in XXXX with SUNTRUST BANK. Original amount was {$32000.00} every year I renewed this CD automatically. Every year I received interest and I received the form to report interest income to the IRS. I am now XXXX years old in XXXX and XXXX I could not do any banking due to health reasons. I started to go back to Suntrust Bank, and when I asked for this CD I was told at the XXXX Branch that I did not have any CD I had others but not this. I kept banking at the XXXX XXXX branch. I approached the bank with this issue accompanied by family members who can attest and every time I was told there will be research and they will inform me. Nothing happened. Finally due to theft from bank employees in my other accounts I started to complain to the XXXX. and then to your office. Lately, I mailed all these forms to your office with copy to SunTrust Bank to the attention of XXXX XXXX XXXX. And as usual got NO answer. I called this morning and you did not get my mailing I have the receipt from the postal office to your XXXX. Please note all other CD inquiries have been addressed or partially addressed by SUNTRUST Bank. But there is no explanation about this CD. It is been many years with no answer. Please help with this issue.
I started making payments in 2007. My balance has been {$26000.00} ever since. ACS is the website I make payments and XXXX must be servicing the loan. I 've paid {$11000.00} over the years, {$9000.00} toward interest, and {$1400.00} toward my balance. If you do n't see anything wrong with this, how do you sleep at night! Do I really need to say anymore? {$9000.00} in interest? {$1400.00} to Principal?
This is the second complaint that I have filed. This account shows a date in XX/XX/XXXX however the address on the account is an address I haven't lived at since XX/XX/XXXX. This is not my account I have no knowledge of a XXXX bill since XX/XX/XXXX. You sending me a bill with an amount and a date and the wrong address does nothing for me. This is not my debt and my next step will be to contact a lawyer.
I've sent numerous letters to this company to have them verify an account that they have placed on my credit report. All they have sent back is a bill which is not enough to verify that it is mine and it also contained a hippa violation with personal information on it.
Citibank processed incorrectly an international wire transfer of $ XXXX. I immediately ordered a cancellation. Due to an internal miscommunication error at Citibank - expressly recognized by a Citibank employee - the operation was not cancelled. Instead of reimbursing me immediately for their mistake, Citibank keeps saying they are trying to recall the unauthorized transfer but every time I call, they estimate longer and longer for me to receive my money back. The estimate to recall the money has gone from a firm 3 days to perhaps 90 days. Meanwhile I'm out $ XXXX and the currency has fluctuated significantly to my loss. Citibank now even fails to return my calls.
After sending information ( XX/XX/XXXX ) to verify myself ( ie Equifax confirmation number ) with my disputes, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX BANK XXXX never late XXXX XXXX XXXX not mine XXXX XXXX never late INQUIRIES XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} not mine XXXX XXXX XX/XX/XXXX {$0.00} not mine
My account number with Wells Fargo is XXXX. 
I do believe that XXXX XXXX has caused my account to become delinquent. This started with the XXXX payment of this year. I am enclosing a payment history file to show this fact. Payments I was told to make to bring the account up to date were put into my Chapter XXXX program. Not Fair that is why I have put this file together.
I attended XXXX XXXX of XXXX from XX/XX/XXXX-XX/XX/XXXXI took out XXXX private student loans to finance my education. 
My loans were initially serviced by Nelnet with no problems. 
In 2014 my loans were service released to Firstmark Serviceswhich is a subsidiary of Nelnet. 
I remit payments through XXXX XXXX Online Bill Pay making one payment of {$420.00} monthly. 
The servicer would split the payment and apply funds to each loan. 
I made 10 payments to FirstMark with no issues. 
The 11th payment was only applied to XXXX of my loans. Reason being is that the payment processing computer now can not distinguish between due dates and my entire payment was applied to the first loan coming due. 
I was told by customer service that, due to the due dates being off by one day, XX/XX/XXXX and XX/XX/XXXX, that the payment was only applied to XXXX account and that she could not make the date the same for both loans due to different banks holding the notes to my loans. I was told to send my payment to a different address where a human would apply the payments to my individual loans. I did this for my XX/XX/XXXX payment, submitting it XXXX XXXX, and it mysteriously disappeared for over 2 weeks before it was miraculously discovered on XX/XX/XXXX XXXX and backdated to XX/XX/XXXX XXXX. I would like to add that the payment being found coincided with a rather nasty email I sent Firstmark on XX/XX/XXXX XXXX. Since this date I have mailed XXXX additional payments to the address listed on my statement and thus far both payments have been applied only to the loan that is due on XX/XX/XXXX. I have called and emailed Firstmark and they have shown no interest in correcting this problem. It is my opinion that Firstmark created this problem in order to hinder myself and others in making loan payments. I believe this because the 10 prior payments the computer correctly and automatically split my payments among my XXXX accounts. Why would a servicer change this on purpose? To create more work on the student loan payer by making one have to call or email the servicer each month to have ones payment applied correctly? This is a major waste of my time and is causing undue stress in my life. I also believe, if I failed to call, this error would not be discovered within 30 days and then my credit would be irreparably damaged and thus I would be damaged monetarily.
Carrington Mortgage company is threatening to forevlose and they do not have my records of past mortgage that was transfered to them by XXXX. I was assured in communications all my documents would b sent. I was granted a 60 day stay / grace period due to transfer. Carrington is failing to accomodate their own words. Carri gton threatened me with un official certified mail in an attempt to threaten me. It is NOT CETIFIED MAIL. I contacted the USPS and they assured me it is an envelope to resemble threat of official letter
I've been asking for the signed contract between Wells Fargo and XXXX XXXX. 
Signature must adhere to Federal Law : ( Blue or Blue/Black Ink ), ( No Digital Signature ), and ( No Copied Signature ). I am unable to get this contract from Wells Fargo Headquarters, XXXX XXXX, CA.
On XXXX/XXXX/2016 my credit was pulled and it showed several accounts that did not belong to me. With Experian they are reporting an address that I have never lived on. I mailed a dispute letter and they responded back on XXXX/XXXX/2016 requesting documentation to verify my ss #. I mailed my IRS - ITIN number and a copy of my ID because I do not have a social security number. Then on XXXX/XXXX/2016 they mailed another letter requesting the same documentation. I do not know what else to provide because I 'm unable to provide them with a social security letter. I believer they should remove it because I have provided all the documentation they requested.
This is a current complain # Case number : XXXX. 

I received the following message on XXXX/XXXX/2015 : The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 

More than 60 days have expired and the issue has not been addressed or resolved. AND The log in and password I created for this site NEVER works no matter how many times I reset the password so I have to keep filing new complaints.
My identity was stolen and as a result there were multiple accounts opened with Capital One. The accounts were closed with balances. I called Capital One to inform them and they have not removed them from my credit reports.
Disapproved BBVA Compass XXXX XXXX Credit Card based on information from ; XXXX XXXX Credit Report, Reason " Insufficient Credit History '' and XXXX Reason " " Unable to Verify Indentifying Information ''. Credit score XXXX out of possible XXXX ' Other reasons ; 1. Proportion of Loan Balances to Loan Amounts. 2. Prop of Balance to High Credit on Banking Rev on All revolving Accounts. 3. Too few Accounts Now Current.