WillisBack/dataset-financial-user-claim huggingface dataset:
I received a strange voice mail from a gentleman ( XXXX XXXX ) claiming he had " sealed '' documents to deliver to me and to make myself and a supervisor available between the hours of XXXX. 

I called the number back given in the voice mail ( XXXX ) and I was told no one worked at XXXX XXXX XXXX by that name. 

The rep on the phone they proceeded to ask me to confirm the last XXXX digits of my social. They already had it, but I refused to confirm or deny. Then they proceeded to tell me that I owed {$690.00} for a fictitious payday loan from XX/XX/XXXX. I stated I did not owe the money, but offered to meet at the police station to receive these " sealed '' documents that was stated in the voicemail. 

MIND YOU, THROUGHOUT ALL OF THIS, SINCE IT WAS OBVIOUS THEY WERE ATTEMPTING TO COLLECT A DEBT, WHETHER REAL OR FAKE, I WAS NEVER READ THE MINI-MIRANDA. I WAS NEVER ADVISED OF MY RIGHTS UNDER THE FDCPA. 

FUTHERMORE, I 'VE FOUND OUT THAT XXXX XXXX XXXX OR BAYVIEW INVESTMENTS IN NOT LICENSED TO DO BUSINESS IN THE STATE OF LOUISIANA, WHICH IS WHERE I RESIDE. 

Because I called numerous times trying to ascertain how they got my information, as a result, these people decided to harass me and submit a complaint to my employer that I was preventing them from doing business. 

I 'd like for some type of punishment to be doled out, because since I refused to fall for their scam, their threatening my livelihood by trying to embarrass me into paying. 

I 've already submitted a formal complaint and counterclaim with my corporate office detailing this but consumers should not have to be threatened AT THEIR WORK AND HAVE FALSE COMPLAINTS SUBMITTED, because they refused to fall for scams. 

I 'll attach a copy of the voice mail. Please note that as of today, XX/XX/XXXX I have yet to receive these sealed documents from any type of courier.
I was on vacation in XXXX. I was only supposed to be charged XXXX for my cab fare. However, the cab driver took advantage of the fact that I was traveling and instead charged me XXXX on my credit card. He then proceeded to say he did n't understand how to refund it, and he also refused to provide me any paperwork. I had to catch a flight, so instead of continuing to argue with him, I left and decided I would contest the charge with my credit card company. However, now my criedit card company is saying that there is nothing else they can do regarding the dispute process and because I do not have any paperwork ( since the merchant REFUSED TO PROVIDE ME WITH ANY ) there is nothing they can do, and that my credit card will be charged. I disagree with this practice. The charge was a fraudulent unauthorized charge and my credit card company refuses to assist me.
I attended XXXX XXXX ( location : XXXX XXXX, XXXX  - owned by XXXX XXXX XXXX ) in XX/XX/XXXX, for exactly 4 months ( XX/XX/XXXX - XX/XX/XXXX ). I moved back to my home state of XXXX and never returned to XXXX XXXX, nor attended any of XXXX 's colleges at any time after that. XXXX XXXX never obtained my consent to apply for any private loans. I was and am, completely unaware of any valid debt owed. 

XXXX XXXX was subsequently shut down in XXXX after being inundated with several class action lawsuits for falsifying/forging/obtaining loans on students ' behalf without their consent. 

I recently ( XX/XX/XXXX ) received a letter from XXXX XXXX XXXX, XXXX of XXXX, XXXX ; stating that I owed XXXX ( XXXX XXXX XXXX, which owned/owns XXXX XXXX ) {$5500.00}. 

XXXX XXXX XXXX has apparently purchased this old, fraudulent debt ( which is exactly 10 years past the California statute of limitations ; California statute of limitations is 4 years from the date of the written contract : XX/XX/XXXX-XX/XX/XXXX ) from XXXX and are attempting to collect on it. They have reported it to the credit bureaus and have, in turn, caused my credit score to drop over 75 points with all three bureas.
I try to call four times their answer machine keeps hang up on me AndI try to email them twice. 
Zwicker + Asscociates
My mortgage company is with Specialized Loan Services during that time they issued me a home insurance that was automatically applied to my mortgage statement, even though we had our own insurance and continued to show proof over a three month span that we had an active home insurance and they did not need to purchase insurance for us. We continued to pay our mortgage statement but only the loan amount not the amount of the homeowners insurance they forced us to get even though we didn't need it. It showed that we were not paying the correct amount and they reported us delinquent ; now this stopped us from receiving a credit card because our credit report appeared that we were late even though we were not. I have tried to resolve this issue with the company to no avail they said they would fix it and it still has not happened.
XXXX XXXX XXXX for the amount of {$7100.00}. I have disputed this account with XXXX, XXXX and Equifax. Once again XXXX XXXX XXXX has not responded to my debt validation and this would be a violation of the FDCPA, FCRA and Fraud
I ordered {$700.00} worth of gift cards from XXXX. After contacting XXXX 4 times, I received no response from XXXX ( I was told someone would get back to me/never did ). Finally opened a dispute with Citibank since XXXX would n't even talk to me and never delivered the merchandise. Citibank now sent me an enotice saying XXXX said they delivered the cards and Citibank would uphold the {$700.00} charge from XXXX. XXXX never delivered the cards. XXXX sent me a tracking number XXXX that even today shows no movement or delivery. I forwarded this email proof to Citibank but I still do n't see a permanent refund to my account. Apparently XXXX just has to say they delivered even though I have proof otherwise. XXXX 's own tracking number they provided in a customer service email shows no delivery was ever made as of XXXX XXXX. The cards were due on XXXX XXXX as XXXX gifts. Obviously useless this late as I had to replace them. Citibank is not helping me at all and has found in XXXX 's favor even though I have proof otherwise.
Initially, I received a call from Receivables Performance Management. They only stated their name and asked for me to verify my identity. Unsure of the nature of their business, I asked what kind of business they conduct and told them I did n't feel comfortable disclosing my identity through sensitive information without knowing who they are as a company. They refused and said they could n't legally disclose that due to privacy issues. This seemed suspect to me so I refused and hung up. 

I called XXXX XXXX because I had just closed an account with them to see if there was any connection. After a conversation with a customer care representative, it was discovered that a {$49.00} charge was in error and that I had a zero balance. On XXXX XXXX, 2016 I received an email stating that my balance was zero and that " A request was already sent to update your account to the Outside Collections Agency. Please be advised that it will take within thirty days to update. '' On XXXX XXXX, 2016 I was notified by XXXX that a new collection had been added to my XXXX credit report in the amount of {$49.00} from Receivables Performance Management. 

I attempted to call Receivables Performance Management, but there was no answer after numerous rings ... not even a selection menu. No answer at all. I then called the billing department at XXXX XXXX and was transferred to an " account specialist ''. I explained my situation and asked them to rectify things with the collection agency with whom they have chosen to align ... communicating my frustration with how this collection agency either broke the law, or was operating on the fringes of the law. 

XXXX XXXX effectively stated that they could do nothing to remove the inaccurate credit report addition but resend the same information that they had sent in XXXX. Receivables Performance Management does n't answer their phone. This is the reason for my complaint with the CFPB. 

I could have an attorney send a letter stating which law the collections company is violating, but out of principle I should n't have to pay an attorney fee to fix this.
I am currently in processed to be XXXX since I have several health issues such as XXXX, XXXX XXXX, XXXX XXXX  XXXX, my bones are the ones of a XXXX XXXX XXXX woman. So currently I can not work, I am applying for ssi. So I can not make the monthly payments I have on my home tax loan. I have tried to work with them to lower my payments since my kids are the ones helping me right now but they have families of their own. I have been treated with disrespect from employees of this company. I can not reach an aggrement with them since they do not want to lower my payments, I have send them proof of my medical issues and they do not care. I am at risk of losing my home or have a forever debt since whenever I can give payments it goes to the interests only. I am desperate. This company is XXXX XXXX.
On XX/XX/XXXX I was arrested for writing worthless checks in XX/XX/XXXX, company at that time was under XXXX XXXX since then has been bought out by Deep South Financial Service which location I do not know there is three in XXXX La. one at XXXX XXXX XXXX Zip XXXX, one at XXXX XXXX XXXX XXXX Zip XXXX, one at XXXX XXXX XXXX Zip XXXX The charges were for the amount of {$75.00} After bailing out of jail, and loosing a days pay. The next morning my daughter took it upon herself to call her friend, XXXX at Deep South to get information regarding the account. And XXXX provide that there was a XXXX XXXX XXXX on the account not two much more information was showing. In the mean time I was dealing with District Attorney 's office and the charges were dismissed immediately. My daughter called me and advised me that her friend XXXX from Deep South called her and told her that the charges were dismissed. May it have been my daughter or anyone else information was released without the proper authorization to do so. This XXXX never asked to speak to me or a way to reach me to discuss anything much less get the proper authorization to release anything on me.
I requested a verification of the debt. The collector, Transworld Systems , Inc. stated the account was closed to their office and referred me to the original creditor, Ohio XXXX XXXX XXXX. The hospital has also failed to provide verification of the debt leaving me unable to determine prior payments or the nature of the debt.
I have informed Equifax that the following address is not mine or never been mine : XXXX Please have this address removed from my credit file.
When called to verify, they could n't give me much information other then a phone number to XXXX, which I called and they had no idea what I was talking about, but I am trying to get a home loan so I caved in and called and agreed to settle, They Agreed to delete the collection, I was forced to pay this, even though I do not believe the debt to be true. I am still with XXXX, and never had a late balance. They have not deleted the collection, and have just updated the balance to {$0.00}, ignoring my disputes with the bureaus. They have removed this off of my XXXX report, but it is still showing with XXXX and XXXX. Also they are reporting as they are the original creditor, when in fact they are just a debt buyer. Which is illegal. I was also never notified of any debt by mail or phone before it was posted to my credit report, and not given any chance to verify the debt. Please remove this from my credit history.I really do not want to have to get an attorney.
There are 3 late payments on my credit report from " delinquency ''. I was on an unemployment deferment until middle of XXXX 2016. At that point I knew I would be starting my second XXXX in the upcoming XXXX but knew I just wanted to take one class which would n't make me eligible for deferment. Because of this I submitted requested to hold off payments, which would automatically go into deferment when I went to half time in spring semester. 

I contacted Fed Loan ( numbers, dates, and specifics are on attached letter ) and spent several hours going through the account with 2 reps and a supervisor. I was advised what to do to get this off my account, which was to show that I submitted a request, and then re-submit. I was ensured this would be handled and we 're almost a month later and nothing has been resolved. 

I work in finance and continually undergo intensive security screenings. I can not have these on my report. And frankly it 's in violation of the law.
1. Bank of America resolution specialists will not provide me with requested contact information, i.e. Emails, phone numbers, to BofA executives and CEO. 

2. XXXX XXXX, manager of XXXX XXXX ( my assigned account specialist ) ( XXXX ) XXXX will not return phone calls. I left over XXXX messages. 
It 's my right as a consumer and customer to request and receive this information. Not returning calls has prolonged my loan and now will cost me thousands of dollars more a year.
I had an internet account with XXXX ( now XXXX ) upon moving into my new apartment back in XX/XX/XXXX. Upon my roommate vacating the apartment in XX/XX/XXXX, he returned the equipment and verified there was a {$0.00} balance on the account. A few months later around XX/XX/XXXX I checked my credit report to see a collection in the amount of {$200.00} from Waypoint Resource Group representing the creditor XXXX XXXX XXXX that was opened XX/XX/XXXX. Waypoint never contacted me about this collection at all and the only reason I knew about it was by checking my credit score. I have tried to dispute this fraudulent collection with XXXX XXXX to no avail. I have also contacted XXXX between the dates of XX/XX/XXXX-XX/XX/XXXX in regards to the account and they have repeatedly stated that they see a {$0.00} balance on the account and the account was never sent to collections. Because of this fraudulent collection being placed on my credit, my credit score has plummeted at least 50 points on both my XXXX and XXXX credit reports.
Was ill for many years. 
taxes were filed again me originally in the State of XXXX since XX/XX/XXXX State of XXXX  sold rights off to this account to a collection agent to date in XX/XX/XXXX ; this collection agency has taken payments each month in the amount of {$1800.00} per month for 9 payments.
CRA VIOLATION / WERE DISPUTED ON XX/XX/2018 EXPERIAN DID NOT SEND BACK ANY PAPER WORK MORE THAN 2 1/2 MONTHS.
I have an item from XXXX XXXX out of XXXX XXXX, CA they are reporting that I owe almost {$2000.00} on an apartment lease and yet they will not provide the lease agreement. I know that I did not sign a lease agreement with them everything was under my wife 's name at the time and it should not be reflecting my credit at all. If they choose to place this on my credit report than they should be able to provide proof that I owe the debt. I have requested copies of said lease agreement from both the apartment complex and the collection agency and neither have responded to me. I feel that if they claim to have a debt with my name associated with than I have the right to at least see the proof behind it.
This is continuation of case # XXXX. I apologize not submitting all my documents one time. I am here to bridge the miscommunication between XXXX XXXX and Bank of America. To pin point where problem is, I need your help to provide me these documents that l stated below. Here is anther Sample of those documents I am requiring. I had obtained this guide line documents from XXXX XXXX website ( Transferring mortgage instruction ). Also as stated on the manual of Cfpb, you are obligated to keep a copy to your self all the Documents you have sent to the new servicer. 

Loan Acquisition Scheduled UPB Amount ( formerly known as the Unpaid Principal Balance ). 
On the Funding Date/Sale Date : Receive cash wire from XXXX XXXX XXXX XXXX, as Trustee for XXXX Cash wire Includes funding adjustments and net funding. 
Includes the Servicing Released Premium Access cash settlement statements in the Selling System. 
Funding Details Report Loan Purchase Statement providing me those documents will definitely settle my case. 
Thank you XXXX, XXXX
In  XXXX   XXXX , I went to  a Third Party   XXXX   XXXX  for an upgrade on my  XXXX  phones.   The next day I cancelled my plan with this dealer and went to The  XXXX   XXXX  in  XXXX , NY.   What I discovered throughout the months of having my new service is that I was still paying for the lease in the first phone from the  Authorized  dealer. I brought this to  XXXX    XXXX   XXXX   XXXX   attention and they said they would look into it. It was a few months of getting no where with them. Finally, somebody from there resolutions Depart stepped in and credit my account.   Two weeks later the charge was back on my bill. I was so frustrated, I just cancelled my service in  XXXX   XXXX  and went with another carrier. I wrote to the collection agency and never received a response. I have ALL receipts and paper work from this transaction. Please advise.
Hunter warfield is refusing to return a {$500.00} check that was mailed to them to settle the debt and remove their collections from all credit bureaus. 
Hunter warfield has stated that they were hired by a separate company to collect debt on their clients behalf. I have spoken with a collections agent as well as the supervisor and neither have been very helpful in resolving the issue regarding my delinquent account. I have sent a pay for deletion letter certified mail to the corporate hunter warfield office and have received no type of response or acknowledgement that my cashiers was received as well as my letter. The cashiers check of XXXX dollars was sent as a settlement amount for the debt they were trying to collect on. I stated in the letter that if the settlement amount was acceptable they were free to cash the check as long as the debt was removed from all XXXX credit bureaus that they were reporting to. It has been past a month and my check has not been returned nor has my collection account been removed from my reports. 

I have received constant increases on my debt since contact which i believe to be a harassing method of collecting on a debt. After my cashiers check was mailed my debt increased on my credit report from the amount of {$2100.00} to the amount of {$2100.00} on XX/XX/2017 via my XXXX account. The following week i received yet another increase on my debt from the amount of {$2100.00} to {$2100.00}. I am now in fear that the supervisor i spoke with by the name of XXXX has increased my debt continually as a way to negatively hurt my credit report until I pay the settlement amount or agree to let him keep my check without resolving my debt.
XXXX   XXXX   XXXX   From :  XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX , NJ  XXXX  To : Experian   XXXX   XXXX    XXXX   XXXX , TX  XXXX  Credit Report Number :  XXXX  Attn :  XXXX   XXXX  Dear Experian : I received a response to my dispute on   XXXX   XXXX   XXXX   in regards to a bankruptcy that is currently being reported on my credit report.     I advised you that you were reporting unverified information on my credit report and you even agreed that even though the court does not report the information, that you may collection this data through the courts public records. What you failed to do is advise me of how exactly you did this or if you used a third party.      XXXX  recently was sued and a part of a class action settlement because they were listing the names and address of the courthouses on credit reports as the true source of its public records when this in fact was not true. Therefore, they had violated the Fair Credit Reporting Act by not only reporting unverifiable and inaccurate data, they lied about what the source of the verification was.     Now you, Experian, are doing the same thing and I am wondering, if I contact the same attorney,  XXXX   XXXX   XXXX ,  XXXX  to see if they can assist me in this process and if this is around the same thing that  XXXX  did.     You are reporting the court address on my credit report as US Bankruptcy  Court,   XXXX , NJ  XXXX  even after verifying the bankruptcy. You even supplied me with a copy of the  XXXX  from the court that shows the address of  XXXX   XXXX   XXXX   XXXX ,  XXXX , NJ  XXXX .     Now here is the problem, you verified an account with an address that is clearly incorrect. I   XXXX   the address you have on my credit report and although some searches came up for the courthouse in  XXXX , it clearly shows this is not the address for the court and such address does not exist. You even listed the zip code as  XXXX  and when I   XXXX   that, it showed it belong to  XXXX   XXXX ,  XXXX . Cleary this should raise some red flags.     Next on the list that proves you violated the FCRA is the you list the  Claim Amount a s {$0.00} and  Liability Amount as  {$0.00} when it clearly shoes on the Voluntary Petition that you provided me that the Estimated Assets which is the Claim Amount is between {$50000.00} to {$100000.00} and the Estimated Liabilities which is the Liability Amount is between {$100000.00} to {$500000.00}. This again proves that you verified inaccurate information on my credit report.     Then, the report shows a date of   XXXX   XXXX   XXXX   but the status of the account says that This item remained unchanged form our processing of your dispute on   XXXX   XXXX  . This assured me that no investigation was really conducted which was in fact a violation of the FCRA.
I have contacted the credit bureaus on inquiries that were not mine they said they cant take them off. they cant dispute them they remain for two year. this may be the case if I authorized those inquiries but I did not. they told me to contact the creditors pertaining to the in inquiries which I did. they said I have to contact the credit bureaus. so between XXXX, XXXX and XXXX I am getting the run around with no type of help