WillisBack/dataset-financial-user-claim huggingface dataset:
Since XX/XX/XXXX, I have been continuously contacted by debt collectors trying to collect on a debt I do not owe. They have stated that XXXX XXXX has hired them to collect this debt. 

I have a defaulted account with XXXX XXXX that I paid and settled in XX/XX/XXXX with XXXX XXXX. I continue to receive harassing debt collection tactics due to this. 

XXXX XXXX XXXX continually violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act. XXXX XXXX XXXX contacted my in XX/XX/XXXX though the telephone, stating that I owe them money based off a collection account I had with XXXX XXXX. I instantly told them that I was in the process of paying this debt off with XXXX XXXX XXXX. I had disputed this account with XXXX XXXX in XX/XX/XXXX and they furnished account verification within 30 days. I setup a payment agreement and completed it. After speaking with XXXXXXXX XXXX in XX/XX/XXXX, I emailed them the information they requested on XX/XX/XXXX on my payment agreement with XXXX XXXX, and I requested account verification from them. The company never responded to the email or furnished account verification to this day. They proceeded to place a collection account through all 3 credit bureaus. I instantly disputed the accounts and they were removed. They again were placed there in XX/XX/XXXX and I disputed the account again. I contacted XXXX XXXX XXXX on XX/XX/XXXX and furnished the payoff letter from XXXX XXXX. The account was removed again, only to be placed back on there multiple more times since. XXXX XXXX XXXX has violated my rights under the Fair Debt Collection Practices Act : 1. They continue to try to collect a debt they have knowledge has been paid and is not owed to them. 2. Threatened legal action against me 3. Furnish false information to the credit bureaus ; XXXX, XXXX, XXXX. XXXX XXXX XXXX has violated my rights under the Fair Collection Practices Act : Fair Debt Collection Practices Act Section 809. Validation of debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX XXXX, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts I request to be posted and or reported on a credit report. I have submitted multiple complaints through the Consumer Financial Protection Bureau to no avail. How can a company continue to operate outside the law and violate my rights afforded to me though the above mentioned laws?
I was contacted by XXXX XXXX XXXX to collect a debt from a Walmart credit card account. Once the women, I believe her name was XXXX, got me on the phone she asked if I was ( gave a name ) and I responded yes. She then proceeded to ask if this was the last four digits of my social security number and I told her she could not just give out the last four digits of peoples social security number. She had every right to ask me to provide mine but could not just tell me the last four digits of the social listed on the account. She became very aggressive and insisted that she could do this and continued to do so until I agreed that it was my social. And then she proceeded to take the same steps with the address on the account. If she had called the wrong number she would have given that person my name, last four of my social security number and my address. Everything someone would need to start stealing my identity. This company is putting people at a very high risk for identity fraud and something needs to be done to stop it!!
Equifax used my credit reporting history negligently, and let my information get leaked. Then, on top of this, they tried to get me to sign up for one year free credit protection, if I forfeit my rights to class action lawsuit.
they continue to contact family members and leave voicemails stating they are contacting me regarding a civil case filed against me regarding an apartment on XXXX. I do not owe any outstanding debt. I looked up the name of the company online and the number they are calling from and found that it shows they call family, friends, neighbors and/or places of employment ( past or present or both ) to create panic and embarrassment so that their intended victim calls them and they can scare that person into paying their extortion money.
I filed a complaint with you all back in XX/XX/2018. Once the company responded to the complaint, that was my first time ever seeing the checks that were allegedly mine. The signatures were forged and I sent proof to two representatives of the company. One of them being the CEO and I never got a response back from either
I have been dealing with National Credit Adjusters, regarding ACT # XXXX. I have told them this is not my debt and requested a validation letter in writing 3 times and all they send are bills. I have disputed it with all XXXX credit agency 's and they refuse to remove it. I 'm desperate and do not want to pay a debt that is not mine and it would still be on my report.
i have a transaction on my rushcard of {$140.00} on XXXX XXXX, 2015 that I did not authorize! I was already locked out of my account and could not receive my direct deposit and pay my rt i need my rent, car note or put gas in my car to get to work. I have tried calling to dispute this transaction and ask how could they let this happen? Ive never had this problem before. But I need my money to buy food for my XXXX year old and formula for my XXXX month old and I have to pay my cable bill as well. I do not feel that my funds are safe with rush card. I really need someone to contact me ASAP because my balance is now {$1.00} and I want to know where this transaction came from I am livid! All rushcard services keep doing is hanging up on me and I feel extremely disrespected!
Mortgage company refused to honor deed in lieu agreement although the agreement was returned by deadline and I have complied in every aspect with the agreement. They have attempted to foreclose on my property although I qualify for the HUD Home Affordable Foreclosure Alternative program so they can cashout on FHA Insurance
a representative of XXXX XXXX at XXXX XXXX has been making harrassing phone calls to XXXX XXXX regarding my debt. The debt has been charged off by HH Gregg the representative advised XXXX XXXX that HH Gregg is reporting it and so are they. My next step will to seek legal counsel regarding the practices of XXXX XXXX XXXX
Centric Asset Management has called my personal cell phone from the phone number XXXX XXXX XXXX XXXX XXXX XXXX or five times with a live person on the phone, and once with a robo-call. The live phone calls indicate that they allege I owe a " payday '' loan, which I never applied for nor received. They indicate that they have " authorization '' of some sort from a bank that I already made payments and therefore admit I owe the debt. They have my personal bank account number and other personal information, including the names of my sister and mother. I have asked them multiple times for substantiation of the debt, and they always refuse. The robo-call on XXXX XXXX, 2016 indicated that they were threatening to debit my personal bank account if I did not otherwise make arrangements. 

I did not and do not owe this debt. I do not know how this company has my information, but they will not substantiate the debt. They do not tell me they are debt collectors when they call me. They argue with me about the debt. They have called me multiple times during one day. I believe they are violating the Fair Debt Collection Practices Act if they are an actual company. Otherwise I think they are just a scam company.
We have been trying to get a loan modification from Shellppoint Mortgage since XXXX/XXXX/15 and Shellpoint is not being copperative at all and they keep changing the assigned representative handling the file and continue to ask for the same documents over and over.
I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XX/XX/XXXX, or XX/XX/XXXX they would report up to 11 student loans as an immediate 60-days late, then up to 120-days late for several months, then back to paid on time. All of these loans were deferred and were never in a payment mode. Then once again starting in XX/XX/XXXX they would report all loans as 60-days late, all the way up to 120-days late, then a paid on time rating. All of these loans were always deferred,  and now I am consolidating what remains on student loan obligations so that I can finish up my XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX is destroying my credit history. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, Commonwealth of Massachusetts next. I need my payment history fixed immediately!!!
The account XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
On XX/XX/19, I received a letter from this debt collector about a bill that is not mine. My wife called the company and gave account number and name of the collection notice and representative for debt collector asked for my last 4 digits of my social and she refused ; stating that she had already verified by supplying account number and name. The representative stated he needed his social security number, he refused to look up account number. I do not owe this debt and believe it is fraud. I have no knowledge of this account nor never received any bills from this company.
Capital One Bank has posted negative remarks of payment lateness on my credit report without providing me with any options to resolve this matter to the best of my interest.
On XX/XX/17, I used my Santander debit card at the XXXX XXXX for {$100.00} to purchase a shower head and received the following text, Free text : Santander Fraud. Did you use your card ending XXXX for {$100.00} at XXXX XXXX XXXX XXXX on XX/XX/2017? If YES, reply 1, NO reply 2. 

I replied 1 and then receive the follow up text, Free text : Thank you, we received your response. The transaction was declined. If you want to make the purchase, have the merchant reprocess the transaction. 

I returned to the merchant, showed them the text and the merchant re-processsed the transaction. When I received my monthly statement, {$100.00} was charged twice. 

I spoke to the vendor and explained the situation and she said she would not contest the claim if Santander re-issued the chargeback but Santander sent a a letter to me stating the claim was denied.
A year ago in XXXX I received multilple offers on a credit card that I recently had to continue on a program of 0 % interest. I walked into the bank to talk to a representative about this offer that seems too good to be true. They told me that it was a great promotion and also recommended that I open a second card with a 0 % interest as well to help consolidate debt from other cards. I did as advised which also meant maxing out the new credit card and taking the remaining balance as pocket money. 

Months ago I noticed that all the payments I have been making have barely made a dent in my balance. I called to discuss these insane interest charges on a charge that I dont use. The representative on the phone told me about these interest charges and I explained that I was told there wouldnt be any. She insinutated that I took money out and pocketed it when I explained I was advised in all steps to do as the financial advisor at the bank told me to do. She was no help to me and berated me for my debt. 

I still accure charges of interest on purchases without purchasing. These charges are 50 % of my payments made and are creating more debt. I was falsely mislead in their promotion and thought I was being advised in the direction of debt relief. I have never had a more debt accruing credit card in my history.
I have been called multiple times by two different collection agencies in Utah. One is called XXXX   XXXX and one is called the CBE Group. The CBE Group has been abusive and has refused to stop contacting me despite the fact that I have told them multiple times that I have never received any notice from them in writing. They have told me that because they sent it, it doesn't matter if I received it. The two collection agencies are trying to collect on the same debt.
I applied for a XXXX Mastercard and was approved and Continental Finance states  they mailed the credit card on XX/XX/2018, then on XX/XX/2018 and when I called on XX/XX/2018. In actuality a credit card was never mailed it was just stated to get me to pay the XXXX fee.
Quite simple:1. Amex canceled my company 's business card based on an assumption that they concede was in error. 
2. In canceling the card, the points associated with the card were forfeited. 
3. All attempts to remedy the issue with Amex failed. 
4. I was very reluctant to pay the balance because of the points that were forfeited and insisted that the points as well as the card be reinstated. Remember Amex admits that the original issue was due to an error on their part. 
5. In effort to resolve the issue, I agreed to continue to pay on the balance. 
6. The agreement would then require Amex to reinstate the card as well as the forfeited points. 
7. Although I continued to pay down the balance, Amex did not adhere to what was agreed. 
8. Consequently, Amex, although this was a business card, moved the balance of the business card to my personal credit profile as a delinquency/collection. 
9. This has resulted in a precipitous drop in my credit score. 
Note : As I remember, the relationship between Amex and myself spanned nearly 10 years if not longer without a single issue or late payment.
Chase bank is handling a wire transfer payment to my account at XXXX. The payment was initiated on XX/XX/XXXX, but I still have not received the funds. The person who initiated the transfer has contacted the bank several times in the interim. Chase claimed they needed my full name, date of birth, nationality and place of birth and had " flagged '' this wire transfer. 

Chase has deducted {$30.00} from the payment for this service, but has so far not transferred the funds.
I applied and was granted an income based repayment plan. At the start of the plan, was told I had to pay an amount to cover late payment charges, which were erroneous, but nonetheless I paid the amount requested. Since that time they have continually requested I pay the amount for the charges over and over. I was told the first payment was applied incorrectly but this would be rectified. It never was applied in the appropriate manner. I have talked to several customer service representatives, written many emails and letters to get this matter resolved. Now they have changed their online payment program to where I will once again have to pay the amount that they are saying is for late payments, which I never had a late payment, I had been in forbearance or deferment. There is no way to pay my income based repayment amount. Of course they are closed when I am able to call them. This is ridiculous and fraudulent at this point. This has been going on for 3 years at least.
I sent {$500.00} via bank wire transfer to Coinbase Inc without my reference number. The money will not know to go to my personal account and Coinbase claims to be backed up and arent prioritizing refunds at the moment. I would like my refund ASAP.
Since I have my modification completely done ; i had experience lot of difficulty with Fay servicing changing the monthly payment for {$1400.00} has varied.. The lender was calculating my escrow act more than the actual amount since act was transferred to them. Now I had made payment for shorter escrow since lender requested to be paid back on XXXX, 2015. Acct was supposed to go back to {$1400.00} and is not happening ; now lender is telling that I missed a payment when I had paid in advance without delate. Please see attachment for my monthly payment since XXXX 2015.
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that were used to verify the accounts I disputed. Being that they have gone past their 30 day mark and can not verify these accounts, Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... .Promptly delete all information that can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank You
Approximately 3 months ago, I applied for XXXX XXXX XXXX  Credit Card by Chase. My application was approved and an annual membership fee of {$95.00} was collected from us. On XX/XX/XXXX Chase sent us a letter notifying us that Chase would close our account effective XX/XX/XXXX. Chase did not state the reason for closing. I called in Chase customer service and talked to supervisor and asked for reason of closing since I am a long time customer of Chase. I have multiple high value residential and commercial loans with for the last 15 years. My credit is excellent. I paid my card 's balance off each cycle. So why did Chase close my XXXX  without any justification or advance notice? When I received the XXXX XXXX, I cancelled my other cards. Now that Chase just closed the account so abruptly, It did not leave me any time to apply for other credit card from other banks. The supervisor that I talked to basically did nothing other than telling me that she is following the policies. I then asked her for a refund of my {$95.00} annual card fee since Chase collected this money and then proceeded to close my account shortly after that. We would like to get our {$95.00} annual fee back.

I believe that many consumers were bullied by Chase banking practices. Few years back, Chase closed my previous Chase credit card which I had for 30 years and stole away our XXXX  point earned over the years when I forgot to pay my annual fee of {$39.00} because I signed up for online statement and missed the payment by 3 months.

Chase is contradicting itself in banking services and practicing discriminatory in services by maintain multiple commercial loans with the consumer but proceed to close his/her Chase credit card.
New cell phone number was assigned to me over 1 year ago and then shortly thereafter, Harvest-Inc. Medical Debt Collectors have contacted me almost daily using phone numbers XXXX ; XXXX ; XXXX ; XXXX in attempt to collect an apparent debt from another person. When I called them over a year ago and told them this was an assumed phone number from a previous owner and they told me who the debt was for, I informed them that person no longer had this phone number and did not reside here. Despite telling them this and also complaining to Do NOT Call Federal and State agencies, they continue to offend almost on a DAILY basis. My cell phone number filed with the DO NOT CALL agencies and which Harvest-Inc continues to call is XXXX. I have also sent Harvest-Inc. a letter form developed by the XXXX XXXX XXXX titled : Request for Debt Collectors to Stop Contacting You that gives them formal notice in writing under the Fair Debt Collection Practices Act to cease contacting me-EVEN though they were informed OVER 1 YEAR AGO they are contacting the wrong individual and that I am registered on the DO NOT CALL list, yet they have offended by continuing to contact me almost daily for OVER 1 year despite telling them to cease all contact OVER 1 YEAR AGO.
I purchased  XXXX   US Ban k issued mastercard {$200.00} prepaid cards at  XXXX    XXXX   XXXX   on   X/XX/17    . When I went to use the cards,  XXXX  of the  XXXX  cards had the funds drained off them by a person in California ( I live in Ohi o ). It is  clear to see the numbers for  XXXX  of the  XXXX  cards only vary by a digit o r two  at end of the card number. It is clear that someone ran a sequence and drained all   XXXX   cards. I have contacte d US Bank Mastercard line several times and faxed them the required documentation 3 times now and they are not helping or claiming they didnt get all the pages of the faxes I am sending. They never call back. Their lacked security ( issuing cards to one a rea in such close numerical sequence is the cause of my funds being stolen and they are not helping make it right.
I would like to submit a complaint against ( Louisiana Recovery Services ) regarding unknown medical account ( s ) in the amounts of {$91.00} and {$95.00} reporting on my credit report ( s ). The account ( s ) were placed on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. ( Louisiana Recovery Services ) did not provided me with any type of notice regarding the account ( s ). ( Louisiana Recovery Services ) never mailed me any letters or communicated with me in any manner regarding this alleged account ( s ). I mailed ( Louisiana Recovery Services s ) a certified, registered and tracked letter via the United Stated Postal Services on or around XX/XX/2018 requesting debt/account ( s ) validation and production of documents pertaining to the account ( s ) ( Louisiana Recovery Services ) is reporting on my credit report ( s ). ( Louisiana Recovery Services ) has not responded to my letter requesting debt validation and production of documents for the account ( s ) per the Fair Credit Reporting Act and Fair Debt Collections Practices Act but ( Louisiana Recovery Services ) continue to report the time-barred, unvalidated/unverified account ( s ) on my credit reports. Therefore, I contacted the original creditor ( s ) listed on my credit report ( s ) that ( Louisiana Recovery Services ) claimed to be collecting for. The original creditor ( s ) I spoke with stated I did not have any outstanding account ( s ) /debt ( s ) and that Medicaid had paid all account ( s ) /bills.

These erroneous entries being reported by ( Louisiana Recovery Services ) are detrimental to my overall credit rating and have caused me injury, both financially and emotionally.
Bank of America keeps charging me late fees after many attempts to be able to pay online. I sit on hold and just get hung up after the techs can not figure out what 's going on forcing me to pay over the phone.