WillisBack/dataset-financial-user-claim huggingface dataset:
The collector debt company Name EOS/ CCA XXXX I think they are Fake collection agency because they send me the collection notice that I owe money frome XXXX XXXX cable company at the address that I do not live in or have anything to concern about the service XXXX.
They are texting me and sending messages via social media. I have all the messages saved- they arent leagally authorized to do either.
In XX/XX/XXXX, I received an email from XXXX XXXX XXXX saying they were a student loan forgiveness program. I enrolled in their program with a contract of 240 months, paying {$49.00} a month for 40 months. After that as long as my income did n't change and I made payments on time my entire student loan debt would be forgiven. Last month, XX/XX/XXXX, I received a statement from Navient where I noticed the loan was accruing interest. I contacted XXXX XXXX XXXX, on my first attempt the phone number I was given played a recording that the company no longer was accepting phone calls on behalf of XXXX XXXX XXXX. I XXXX the company on XX/XX/XXXX and spoke with a manager named XXXX, ID # XXXX, who told me after 3 days I was no longer able to cancel the contract. I 'm contacting the CFPB because XXXX is using a third party collection agency XXXX XXXX who is expecting payment and should this turn out to be a scam I do no want to continue paying for a service that is not doing what they said there company would do.
My mortgage company is reporting that I have late payments during the time they were processing my modification. ( XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 ). I did not make late payments, I made all payments before they were due. Please see my attached supporting documents.
Since XX/XX/2018, I have been trying to inform PNC Bank that someone had used my card without my knowledge or consent. Somehow, PNC allowed the account to go over its credit limit by over {$4500.00}. The balance due is set at {$11000.00}. I duly informed them that someone had accessed my account and reported it to them, however instead of investigating like they said they would, they just proceeded to list me as a bad debt on the three credit bureaus. I have identify theft coverage through my insurance company and was waiting to hear their decision, but they never gave me one and have penalized me on the credit bureaus rather than assisting me with a clear case of identity theft.
This is an extension of my prior complaint. I receive a call from a pushy inconsiderate staff member from Chase Card Services Executive Office today XXXX XXXX 2018, regarding my complaint XXXX

The gentleman miss represented the amount of money I had been refunded said it was over {$1200.00} on {$1900.00} of interest. Then told me to cash the check for {$600.00} chase sent me, it was an inducement to trick me into closing the claim, saying it was my money " go ahead and cash it. '' I asked If I had a credit balance of {$600.00} still in my account and he said " umh, no! so he is basically not telling the truth about the refund the amount I actually received was XXXX XXXX   my account so I only received {$600.00}. A blatant lie.

He promised an itemized response detailing in excess of {$1200.00} of interest charges which I have not received from him. I am in possession, but will not cash the check because Chase took advantage of me by not sending statements and charging excessive fees on revolving interest.

The call was recorded and he can furnish the recording. He also suggested that when cards get issued they automatically withdraw the minimum about due not the total amount due which I always pay. I thought I was set up for full payments not sure how this didn't take.

I hope you will further investigate this matter. It seemed that the person who called from the Chase executive offices wanted me to say I was done with the matter by pressuring me to suggest this at the end of the conversation.

I am not done until I get fair treatment by Chase. I am still awaiting proof that I did indeed get in excess of {$1200.00} of interest returned on the {$1900.00} of interest I paid due to their deceptive billing practices ( they sent the statements to my attorney I am not represented and didn't send me paper statements for months.

I found the call inconsiderate as I was having lunch with a client and high pressure to close the man never respected the appropriateness of his call timing and could not confirm that {$1200.00} of the interest was in fact returned. with the annual fee that occurred when I had this matter roll over for months.
I called  XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017  and spoke with  XXXX   XXXX , the bran ch manager.  She stated that an email from management was sent out to the employees informing everyone that a " false '' inquiry was completed on many member 's accounts via  XXXX  and they were not sure how to correct the problem. Given  XXXX  failure in the past to correct many problems for members and employees, I did not want to take the chance that this would not be corrected. I did not give  XXXX  permission to pull a hard inquiry on my credit as I have not and will not apply for any credit with them now or in the future.   I have attached the letter I have sent to  XXXX  and copied the CFPB and the OCC on this letter as well. I have sent a copy to  XXXX  Board of Directors and the CEO. Please do your best to correct this issue and remove the hard inquiry from my credit report. I thank you sincerely for your assistance.
I bought a XXXX XXXX from a business in XXXX XXXX CA XXXX XX/XX/2016. Part of the purchase I paid with my VISA & the remainder {$1600.00} I used the store 's promo offer of 6 months same as cash - no interest. I only financed {$1600.00}. This financing is through Wells Fargo Home Furnishing - my statements say ( XXXX ). Someone in this string of financing has been allowed to ADD money to my account when I only filed documentation to finance {$1600.00}. At this point - I feel Wells Fargo should NEVER have allowed the business access to my account to make such an entry or maybe Wells Fargo made the addition - that is unclear. & if Wells Fargo DID allow access, they only have paperwork supporting my {$1600.00} financing purchase. Today my bill states I owe {$2000.00} & I have paid {$40.00} each month times 3 months or {$120.00} towards my {$1600.00} bill, making my total due = {$1400.00}. I have talked to both the business ( the business has lost my paperwork - seriously - lost it - XXXX XXXX ) & Wells Fargo ( XXXX different agents XXXX & XXXX on XX/XX/2016 ) -- my consumer recourse is to submit a dispute which could take up to 90 days to resolve. Really? How is any business allowed to debit me in anyway without the proper paperwork? Wells Fargo is my target of this complaint. In 90 days my whole financing agreement will be over. The fact is, there should not be an " open-ended '' account by any organization allowing for money to be debited in a consumer 's name. Period.
I am currently having trouble paying my mortgage and in order to avoid foreclosure, I found this company, Capital Home Advocacy Center, since my lender did not qualify me for a modification, and they wanted me to pay {$810.00} for 3 months before beginning. Unfortunately I payed for the first month, XX/XX/XXXX, and realized soon after that they are not legit after I spoke to my lender and they said they knew nothing of Capital Homes, even though Capital Home said they are working with my lender. I also looked up warning signs of scams and Capital Home fit at least 3 of the red flags listed. I tried to call after sending an email telling them I do n't want to continue and that I want a refund of the {$810.00} I sent and I ca n't get anyone but I am still trying to contact them everyday.
On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. A copy of the terms and conditions of the promotion is attached. 

After completing the requirements on XXXX XXXX, 2016, I messaged Citibank via their online secure messaging system to confirm that I was enrolled in the promotion and had met the requirements. On XXXX XXXX, 2016, Citibank confirmed that the requirements had been met and that I should receive my XXXX AAdvantage miles by XX/XX/2016. A copy of this communication from Citibank confirming enrollment in the promotion and completion of the requirements is attached. 

As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by XX/XX/2016. I note that the terms and condition of the offer state that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. '' Therefore, technically, under the terms and conditions of the promotion, the miles should have been awarded by XXXX XXXX, 2016, which is ninety ( 90 ) calendar days from the date on which the requirements were completed ( XXXX XXXX, 2016 ). 

Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over XXXX years of age, and I had never before held a consumer checking account with Citibank.
We opened a short term credit account after our home received water damage. The loan was paid through XXXX, but the bank kept it open running up a {$2400.00} bill of interest. Then sent it to a collector after discussing the problem with the collector, it was determined we owed nothing and the problem was closed. 18 months XXXX submitted the same bill to another Collector to again try to collect the money again.
Capital one is continuing to report an account with XXXX as a charged off account after they issues a XXXX which cancelled/forgave/paid the debt therefore should n't be reported on my XXXX credit file in violation of under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account on a credit report indeed is considered collection activity. 15 USC 1692e ( 2 ) ( A ). falsely representing the legal status of the alleged debt. A XXXX was issued XXXX XXXX, XXXX cancelling the debt, therefore reporting it should 've been removed within 30 days of issuing the XXXX. Capital One issued a letter dated XXXX/XXXX/XXXX signed by XXXX XXXX to contact them at XXXX if we needed assistance but the Rep for Capital Once ( XXXX Rep # XXXX ) placed me on hold as she researched the account and then comes back and tells me she cant discuss the account over the phone and that she needed my phone for someone to contact me back sometime next week ( I have it recorded and notified her and the previous rep that the call was being recorded ). I notified her that it was a Federal violation to continue to report an account with XXXX after the account was paid/cancelled by the XXXX and she stated that they have the right to report it to the IRS, I replied to her that I know it has to be reported to them and that by Capital One filing a XXXX they discharged/Cancelled the debt to they were violating FDCPA by reporting this account to XXXX a reporting agency.
I have SunTrust Credit Card /Master Card number ending XXXX. 
In the Month of XX/XX/XXXX Statement I have seen charges by XXXX XXXX XXXX XXXX for {$720.00} on from XX/XX/18 ( and later another charge from same company for {$28.00} on XX/XX/XXXX ) hence contacted SunTrust customer service to report fraudulent activity on XX/XX/XXXX. I have received letter from SunTrust on XX/XX/XXXX stating case No XXXX and advised that charges will be removed from my account. Subsequently I have received letter which was mailed on XX/XX/XXXX stating that there investigation indicated that I have participated and or received benefits hence claim denied and charges reinstated on my account. 
I have called and spoke to Fraud Assistance center again on XX/XX/XXXX and asked them to share documents which they have received from XXXX which indicates that I have received services but till date I have not received any information from SunTrust. 

Mean time I was able to contact XXXX and was told by them that it was not me but some one with similar first and last name received services from XXXX ( based upon XXXX preferred number and driving license / email / phone number ) but they can not do any thing as case has been disputed with bank. 

I have visited SunTrust local branch on XX/XX/XXXX and submitted further documentary evidence to prove that I was in another town interviewing for my job and rented car from another car rental company including my hotel / flight reservations details and other documents to prove that this was not me who rented car from XXXX and it is a fraudulent activity hence I should not be liable for any charges as per card issuing agreement with zero fraudulent liability. 

Since I have not heard any thing from SunTrust back, called again there Fraud Assistance center on XX/XX/XXXX around XXXX XXXX and spoke to agent XXXX who re-escalated my claim and asked to call back in 24-48 hrs. She also told that some one from SunTrust will contact me regarding this soon. 
There was no call from bank hence I have called again Fraud Assistance center of SunTrust bank and spoke to XXXX around XXXX XXXX   on XX/XX/XXXX but she told me that case has been closed on XX/XX/XXXX and denied.
In XXXX ( XXXX & XXXX ) Two fraudulent transactions occurred on my Capital One credit card One from a XXXX for {$630.00} and {$210.00} from a XXXX XXXX both in VA XXXX. I reported the transactions to Cap-1 as fraud and called the properties directly. XXXX reversed the charges immediately. Capital one applied a credit on the XXXX of XXXX for the XXXX XXXX charge. On XX/XX/XXXX XXXX XXXX reversed their charges. Simple right? All Cap-1 had to do was make their credit go away. Instead they left it for over a month and then issued a check XX/XX/XXXX for the amount. It arrived by mail end of month. I did not cash it because my balance had finally balanced at {$0.00}. A couple days later Cap-1 called and the lady told me that the check was a mistake and I should shred it. On XX/XX/XXXX they re-posted the fraudulent XXXX XXXX charge from XX/XX/XXXX. I called them and explained the since they had me shred the check I was not responsible for their mistake and they needed to handle their zero-liability obligation. Because they errantly issued a check on my account and charged the fraud a second time, I am down {$210.00} according to their sloppy accounting practices. If XXXX XXXX contested the charge it is still their problem. Not only are they not honoring the fraud protection promised me they have stressed me to the breaking point for over two months.
I was defrauded out of {$1100.00} when someone stole my debit card number and used it to purchase plane tickets on XXXX XXXX. I do not know these individuals whose names are listed on the itineraries. I did not make the purchase as could be determined by an IP address associated with the purchase and my location at the time. Further, I was in New York when the purchase occurred, which purchase was XXXX flights from XXXX to XXXX. I disputed the transaction and was credited back the funds, but upon investigation, USAA determined that I had authorized these purchases and was going to reverse their original credit, re-charging me the {$1100.00}. They never consulted me during the investigation.
On XX/XX/XXXX, {$97.00} was deducted from my account. This is the normal amount. I received an email on XX/XX/XXXX, indicating my bank rejected the payment. I sent an email to XXXX to inform them that my payment did not fail. Even included a copy of my bank statement. Email was responded to by saying they needed more info. I provided info via email and phone. Was told they are using a new payment system call back Friday. Today, XX/XX/XXXX I received a email saying payment still not credited. I called immediately afterwards. They are closed. I sent an additional email and bank statements again. And told them this is fraud on their part :
XXXX SERVICES WAS PAID AND SETTLED ACCOUNT IN XX/XX/XXXX-XX/XX/XXXX, XXXX-ILLINOIS ACCOUNT XXXX, SOLD DEBT TO XXXX XX/XX/XXXX WHERE THEY WENT ONTO CREDIT REPORTS W/O VALIDATING INVALID DEBT. FCRA, FDCPA AND TCPA VIOLATORS.
XX/XX/XXXX I purchased furniture in XXXX Carolina on a Wells Fargo NO interest for 12 Months account. It took me three months to get the account settled so they would take my payments, as for some reason XXXX, XXXX, had not submitted my information, and Wells Fargo had no record of my account, and kept returning my payment funds. After much back and forth with the bank and store, I got it fixed, and I have been paying my account as promised on time as I was told that interest would be accrued after a 1 year time frame, so MAKE SURE, I have the account paid off by then. I have done so, and noticed a jump in the balance this month, so I logged in and saw a {$460.00} and {$27.00} increase on my bill. It is impossible to get Wells Fargo on the phone and I work 12-14 hours a day. I tried email, and their systems are down on the weekend to contact them to get answers, I want to know why this charge is here and why I was n't notified. I want other consumers to know about deceptive banks and banking practices so as to avoid the XX/XX/XXXX melt down this country had resulting from greedy bankers. I 'd like to know how to proceed to resolve this issue.
I received indication from Capital One that my credit card address changed. I do not know the status as from my understanding, others in XXXX XXXX 's family. From my understanding, XXXX XXXX  while paying for this card sought to move forward with commercial activities while lying or obscuring this from me. I made a copyright in her name. One is a film regarding the anti nuclear movement which she was apart of. However, from my understanding much of their exploitation stems from my own activities where there was no copyright and various groups as well as members of her family sought to find ways to degrade and essentially destroy my life. This has been going on for a shockingly long period of time. I thought frankly that the use would be that as those things obscured from me, it was her that would attempt to invalidate their use my own efforts, of which much of the circumstance stems from their various assaults, while invalidating those things and then seeking to use this credit card or other bills. For example, a student loan. However, with the change of address which I thought I thought was initiated by her - from my understanding believe that one of the individuals involved violating my privacy, that her stepson XXXX XXXX is also reading my mail. I want to know if this is true or not, and if this decision to use the XXXX XXXX was because of that. I believe some of the conflicts I may not be privy to, are smaller and may involve her family members but there here are other confirmed legal matters as well a law firm in XXXX known as XXXX has confirmed they have conflicts as well as XXXX XXXX of the law firm XXXX XXXX. XXXX XXXX of the XXXX XXXX confirmed he has in depth knowledge of the situation. However, it is not clear XXXX 's ongoing involvements. She is apart of a complaint I made with the CA auditor and was not sure if the lack of contact was due to that, as I continue to focus on this situation I need to know the details. The problem is not necessarily Capital One although I have contacted them with no response. It was not clear if beyond personal matters, they were invested in the commercial projects also as they have a venture arm. I am currently destitute, and will not relent from my current activities where my efforts and interests have been, but I do need to know if there is an attempt to use these things amidst those involved using and in fact stealing from me as well. There are several law enforcement organizations involved, a trap trace and pen register on my account. I do n't know what the status is. As stated, relations have dissolved. I do n't use the account except for revolving accounts, a website and gym membership, XXXX and credit reporting burueau but each of those things have experienced issues. From my understanding, XXXX 's involvements with the state of california have been malicious towards my own life but I do n't know if these payments are based on cognizance of my own efforts or if in fact it is representative of anything else. For example, her other family members in particular XXXX XXXX and his relatives. The account number is, XXXX.
In   XX/XX/XXXX - XX/XX/XXXX , I had tro uble paying my studen Loans and was received calls at work several times a week from Chase Student Loans. I repeatedly told them I could not receive these calls at work. I was calling weekly to make payments to catch up. At one point, a collection person called me and saying that should would no longer accept partical payments and began threatening to take me to court and have my wages garnished and they could seize any property I owned. I called another collection representative I had been dealing with in tears over what she had said and he saw in the notes on my account she had made records not to take partial payments from me. He removed the notes and went to review the phone records of her call and found them to be " missing ''.   XXXX  I continued to make weekly partial payments and my credit still refelcts th e 60,90,120  days late because Chase Student Loans refused offer any other options.
Equifax did not do a proper investigation as they said they did. XXXX has confirmed they have been reporting incorrect information and the accounts should be deleted for incorrect reporting. non compliance with investigating when I asked them for months to do so. they did not insure all information was correct and complete as per FCRA
My complaint with Sallie Mae is my required monthly payment is too expensive. I am required to pay {$1400.00} each month to Sallie Mae. This payment is more than one of my paychecks, and I am struggling to my my other bills and living expenses as a result. I have made one payment so far on XXXX XXXX, XXXX, and I am about to make my payment of XXXX. I have spoken to Sallie Mae representatives on several occasions to lower my monthly payment, but I have been unsuccessful. The representatives stated that there are three options to assist with paying the debt : deferment, forebearance and interest-only payments. I have utilized the first two options and I am not eligible to use the third option. One representative suggested that if I let my payments go into collections, the collections department can work with me. Id rather not allow my payments to go into collections as this will severely damage my credit and future. I was very disappointed that this is the only option they could offer me. I utilized the forbearance for the full 12 months because I was laid off from my job, which resulted in my finances being severely set back.
Hello, I am a Bank of America credit card holder. I noticed there was a foreign transaction fee any time a charge was processed in XXXX $ but outside of the XXXX. For instance, I had to cancel my XXXX subscription as this company has its headquarter in XXXX and process charges from there. I was charged a certain amount for every transaction from XXXX. 

What I find unfair is that there is no way for the consumer to know where a company 's headquarter is located. I would understand the legitimacy of such a charge if the transaction were to be done in a foreign currency but not in XXXX!!! I used to live in XXXX and would not get charged a conversion fee anytime a foreign vendor would process the transaction in XXXX XXXX 

I 've contacted Bank of America and was told there was no way for me to know where the transaction would be processed from.