WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX Tue XXXX I was telephoned by PORTFOLIORECOV XXXX. 

The caller refused to identify the purported creditor, the account, or the amount. I therefore have no way of knowing whether this matter concerns me. It could well be a scam. 

The caller hung up after I refused to continue the conversation in the absence of validating information. 

This was my first contact with this party ; by the FDCPA they must contact my in writing with a Validation Letter within five ( 5 ) days.
I have been charged 3 times overdraft fees for insufficient funds. I get the alerts a day after the fees have hit. Both alerts have been text and emails which have been a day or 2 late. Bank states that it's my fault that I should have paid more attention to account. Why have alerts yo help me when the alerts dont really help. I would have transferred funds from another account if I knew.
Cash rebate credit card is co-branded with XXXX XXXX to directly apply cash rebate to a student loan. Follow up with recipient ( a relative ) of my directed cash rebate indicated it has not yet been applied. Letter was written to Barclay Bank, issuer of credit card with a copy to XXXX ( successor to XXXX XXXX ) and sent on XX/XX/XXXX. To date no response has been received from either party.
I recently completed a XXXX program and XXXX of my student loans were placed immediately into repayment. I was informed over the phone that consolidated loans were not eligible for a grace period after completing school, hence the immediate repayment status. I was not informed of this, however, when speaking with a representative that recommended the consolidation initially. At that time, I was unable to make payments on my student loans and knew that they would be deferred upon starting XXXX school. I was advised that XXXX the loans was the best course of action, but was not made aware that I would have to be prepared to pay as soon as I completed XXXX school.
I have already contacted company by submitting a certified letter to each company and as of yet have not heard anything back, and I want these hard inquiries removed immediately. 


XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX/XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX hard inquiry XX/XX/XXXX -, XXXX   XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXXXXXX ; XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX , XX/XX/XXXX XXXX ; XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Experian XXXX, auto hard inquiry XX/XX/XXXX - XXXX ; XX/XX/XXXX, XX/XX/XXXX - Experian All of these companies sent a certified letter of dispute XX/XX/XXXX XX/XX/XXXX
I have no idea who XXXX, XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX, XXXX is indicating that an account with the account number XXXX XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX, XXXX as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ I have no idea who XXXX, XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX, XXXX is indicating that an account with the account number XXXX XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX, XXXX, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : XXXX Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
I 've attempted to make payment arrangements/offer of settlement with Capitalone, however, they insisted on a high payment totaling or equal to over  XXXX  for one month. I can not afford this amount and they are not open to any settlement offer either. I 've attempted to make payment arrangements via live chat in the past, however, the last rep was uncooperative and a separate complaint was filed in re which was not resolved. The balance is over  XXXX  and some charges are fraud, not authorized by myself. I believe a offer of settlement is fair, considering the fraud charges. How ever, Capitalone  will not accept. Since they will not accept settlement offer and or payment arrangements, please advise them to cease and desist from contacting me
As part of an buildings insurance claim I received a check from my insurers made payable to myself and my mortgage servicer ( Dovenmuehle Mortgage of XXXX XXXX, XXXX XXXX, IL ) for {$25000.00}. I endorsed and forwarded this to my mortgage company as instructed by overnight fedex on XXXX/XXXX/15. I then had an inspection of my property completed which showed the work was XXXX % completed. I was then told I would receive my money, which did not ahppen.. Still no check was forthcoming so I called and was told I would now need another inspection which was completed and I was then told my contractor must sign a lein waver which he did. Then they sent me my {$25000.00} in form of a check made out to myself and my contractor. No bank would accept the check and I asked them to re issue the check in just my name as they had an inspection showing the work was completed and they had a lien waver from the contractor so they knew he would not place a lien impacting their colateral. I was then told I needed to provide a letter from the contractor saying the bill was paid in full and he was not owed any more money. I then provided this to the mortgage company who said I need to return the original check to them before they would reissue the check, I asked them to just stop the original check, they refused as it would cost them money. I sent the check overnight by fedex and they received it on XXXX/XXXX/15. Here we are on XXXX/XXXX/15 and still nothing has been received. My belief is that this is a delaying tactic to hold onto funds as long as possible to maintain liquidity and earn interest at the borrowers expense. Luckily this was not a claim at my principal residense, and that I had the funds to get the work done or I shuidder to think what would have happened.
I have made a lot of attempts to settle with this credit card from XXXX XXXX but they did not want to help me and now it is at the Sheriffs department to take my wages that I do not have. I just recently opened a small business and have not made any money and they just want to take what I do n't have to give, I offered to settle for {$1500.00}, and they denied to settle for that. This is my last credit card that I owe, due to me losing my job in the past and went to a debt consolidation company that was suppose to help me and did n't so now all I want is this to be taken care of. They are with XXXX right now and they do not call me back, they are avoiding my calls, just goes the rep 's voicemail but they never call me back, I do n't understand why I can not get this resolved.
I received a call at XXXX XXXX from an individual working for Zenco at extension # XXXX. To the best of my abilities this is the conversation on the phone. 
XXXX XXXX are you aware that your social security number starting with ... and last XXXX digits ... is on a list to pursue legal charges because you did n't pay a debt to XXXX ? 
I 'm calling from Zenco, a company that will take you to Court because XXXX is a federal funded bank, not state but federal and since you have not paid your debt you will need to start looking for an attorney. 
-What, what are you taking about? 
- I am telling you that you will face charges so I suggest that you come up with the $ XXXX XXXX ( did n't remember the exact digits ) or you pay immediately {$2500.00}. 
-But where are you calling from again and what is your name? I know this debt is on collection - XXXX XXXX watch what I do with your social security number. 
After that I called numerous times ( about 10 ) to the number recorder on the phone asking the person to give me his name, number and information. He refused and hung up, also told me that I was harassing him, and finally picked up again to tell me that all the messages were being recorded and hang up right afterwards. 
I also got in contact with XXXX XXXX, which is the company that contracted Zenco and inform them about what has happened. The manager did n't think Zenco said anything inappropriate and in fact, kept telling me that I had to pay the bill and that Zenco had the right to collect my debt.
I have disputed the account being reported by XXXX multiple times. Every time, XXXX responds that the information is accurate, but IT IS NOT. It seems that the credit reporting agencies ( XXXX, Experian & XXXX ) simply take XXXX 's word for things rather than conducting a proper " investigation. '' The credit bureaus are responsible for verifying the ACCURACY of the information THEY report. They can not simply rely on XXXX 's word, or the word of ANY creditor, with no proof. 

As explained previously, this account was included in my bankruptcy in 2008 in the XXXX District of IL Bankruptcy Court Case No. XXXX. Despite XXXX XXXX choosing to classify this debt as a student loan, IT DOES NOT MEET THE DISCHARGABILITY EXEMPTION CRITERIA contained in 11 USC 523 ( a ) ( 8 ) or even the definition of a " qualified educational loan '' under 26 USC 221 ( d ) ( 1 ) as it was issued ABOVE THE COST OF ATTENDANCE as established by my educational institution. 

Whether or not XXXX agrees with the Judge 's decision or even likes the judge 's decision is 100 % irrelevant. The fact of the matter is THIS DEBT WAS DISCHARGED IN 2008 -- 10 YEARS AGO. As such, IT IS A VIOLATION OF THE FCRA to continue reporting it on my credit report ( s ). Irregardless of XXXX 's position, I have court documents affirming my discharge and this debt needs to be COMPLETELY REMOVED from my credit report ( s ) immediately as the discharge was 10 years ago and therefore no longer qualifies to report on my credit IN ANY FASHION.
I applied for credit with Synchrony Bank XXXX FL and was turn down because their system said my credit score is too low [ XXXX ] this is not correct my score is XXXX XXXX and XXXX XXXX I feel this is Discrimination
Capital One has refused to protect my credit card ( MasterCard ) from fraud. An online company charged my credit card more than a dozen times, more than {$2000.00}, without my authorization and after I had expressly forbade them to do so in an email. This continued for three months, XXXX through XXXX, 2015. First I demanded that they close my account, and they said they would, but charges continued to come on my credit card account, so obviously they kept my account open against my wishes. I demanded they close the account three times by telephone, and they blocked my account online so I could n't close it myself. I reported this to Capital One, and asked them to block payment to this company, but they refused to do that, which would have solved the problem the very first time a new charge came through. As an alternative, they offered to refund my account, and asked for documentation for my claim. I gave them written emails and pages from the online company 's website which proved that I had ordered them to cease charging me two months earlier, and I refuted with documentation every lie that this fraudulent online company countered with. But Capital One refused to protect my credit card from fraud. I had to cancel my credit card number to stop the online company finally, and now I have cancelled my Capital One account altogether. They do not care about their customers, and anyone who accepts a credit card from them will regret it. Capital One will not protect you against fraud.
Since mid XX/XX/XXXX, I can not logon to my netspend account. 

I sent this e-mail to there " XXXX '' several times. 

" I can not logon to my account at -- https : //www.netspend.comXXXX --. 

I get redirected to a web page that displays -- Do you know that your XXXX XXXX is out of date? 
To get the best possible experience using our website, we recommend that you upgrade to a newer version of a web browser. Here are some recommended web browsers. 
Just click on the icons to get to the download page : -- I have -- XXXX XXXX XXXX -- and it will not expire for several more years! 

Please forward this to your IT Department to get this issue resolved. 

Thank you J '' I finely received a phone call back, telling me that they were no longer going to support -- XXXX XXXX XXXX -- but he would pass this on to upper management. Then I received this e-mail : Dear Cardholder, Thank you for contacting Netspend Customer Service! 

As discussed, I am sorry to hear that you are having problems accessing our website and I understand that you are frustrated and would like to file a complaint. 

Please be informed that beginning XX/XX/XXXX, our Online Account Center will no longer support XXXX XXXX XXXX. When you access your account online through XXXX XXXX browser, you will be redirected to a page asking to use a different browser. Supported browsers include XXXX, XXXX or XXXX. 

Also, I am going to send your complaint to my Manager, who will review it and forward it on if necessary. Someone from the corporate office will contact you directly within the next 2 business days. 

I apologize for the inconvenience this has caused you. 

Thank you for choosing Netspend. Have a great day! 

XXXX Customer Service Agent
This company was given to me by a broker to purchase a property. they approved me in XX/XX/2018 and still havent done the loan after I paid them XXXX for down payment and fees. Since they didnt fund the money i lost the sale of the property in XX/XX/2018. I gave them down payment money and money for all kinds of fees in the tune of XXXX, XXXX XXXX ,XXXX and more. I wired the money to an acct and was promised after the last fee i would get funded. 

But every time i came thru with the money they came up with another fee. Then in XXXX the EVP and CEO said no more fees after I pay this last one i would be funded. and guess what they asked for another fee from the investors. A commitment fee of XXXX. That was it, I was done, Now they wont give me my money back and are telling me I will only get back 53 % which is {$68000.00} and they are keeping XXXX and for what. and I wouldnt get it back for 6 months. Now i never was given a fee schedule upfront, nor was i told about any extra fees only a down payment in which I paid. 

I didnt get the loan and tried to cancel many times when they kept coming up with fees and all they would say is lets work together to get this money. I will help you. So they said they had people putting in money to help me and when i had the last part of XXXX in XXXX, i was told they gave some money back so i owe more. this was a total lie and scam. Theyhave made up so many fees and lies and I asked many times for this in writing and I never got it. And the CEO said no more fees and they did one more fee. Everytime i heard this actually 8 times. I have all the emails and text for the past 10 months that i can provide to you.
Amount of {$100.00} has been paid to " Collection SVC of Athens '' as of XXXX. Both parties agreed that this record will not show nor appear on any of XXXX credit bureaus and any credit reports hence making payment.
This complaint is in reference to XXXX account XXXX. 
In my view, it is not a reasonable procedure to label an account that has been discharged in bankruptcy as " Collection '' if the account was open and not charged off and I filed bankruptcy. Refer to the current credit report. I filed for bankruptcy on XXXX/XXXX/XXXX. Such a designation would be inaccurate or misleading, because it would indicate that the XXXX XXXX XXXX had written off the account at the time of bankruptcy when it had not in fact done so. Continuing to report a discharged debt as due and outstanding after bankruptcy is a violation of the US Bankruptcy Code. May I reference two cases : In re XXXX, XXXX ( XXXX ). Here, the court relied heavily on XXXX cases, XXXX XXXX XXXX and XXXX for the propositions that when a creditor falsely reports unpaid balances which are stayed or discharged by a bankruptcy, it impermissibly attempts to collect that debt in violation of the automatic stay... and the discharge injunction... 
I order you to remove this account from my credit report.If you do not immediately cease and desist the negative reporting to the CRA 's, I will file a Motion for Contempt and Request for Sanctions against you in bankruptcy court FL XXXX, Per the XXXX case, negative reporting on a discharged debt is a violation of the permanent injunction of my discharge ( XXXX XXXX/XXXX/XXXX filing date, XXXX/XXXX/XXXX discharge date ) and as such you are in contempt of a Federal Court Order with your continued negative reporting on the discharged debt.
I 've had my bank accounts with PNC Bank for several years now with basically no complaints. In XX/XX/XXXX, I had XXXX fraudulent charges on my debit card, which PNC refunded ( stopped payment ) on XXXX of the XXXX. They left me hanging for the fourth - XXXX XXXX confections and told me I was on my own, but provided me no details of the transaction. As a result of the fraudulent charges, PNC issued me a new debit card, which is where this complaint starts. On XX/XX/XXXX, XXXX charged my NEW debit card {$95.00} and I have not given this card # out to any companies or used it online. So, I called PNC and asked them to file a dispute. Again, they told me they offered no support, I was on my own. I asked them for Corporate Security and to start a fraud investigation. Only then did the representative take a 'questionnaire ' from me about the incident. During this 'questionairre ' she asked me to falsify my first answer " Did you give out this card # to the company in question? '' She informed me that answering yes would expedite my process, answering no would cause me problems, But I did n't give out the card #, what am I supposed to say? " If you say yes, your claim will be processed, if you say no, you will have difficulties with this claim. '' I told her I was n't going to lie and left my answer as " no '', I had not given out the card #. Feeling uncomfortable, I asked to escalate this complaint. She complied by giving me a # I could leave a VM on. After that, I asked her how a random company could get my account information. The representative informed me that upon issuance of the replacement debit card in XX/XX/XXXX, PNC had done me the 'service ' of giving out the new card information to any merchants who had claimed a recurring charge on the old card. WHAT?!? I asked her to repeat what she had just told me and she did from her script. Again, WHAT?!? You replace a card for fraud, and give out the new card information without my knowledge or approval? I want my money back. I want damages. I want credit monitoring due to the breach by PNC.
Under my Social Security I have other SS # XXXX that isn't my social security #, please let me know what I need to do
I have disputed with Capital One with the bureas neither the bureas or Capital One put the account under dispute on the credit reports. Violation of FCRA. I have forwareded this to my lawyer for further review.
I checked my credit report and there were  XXXX  accounts reporting from Wakefield & Associates that do not belong to me and I have no knowledge of. I attempted to have the accounts validated thru the credit bureaus and also with Wakefield & Associates with came back validated. Wakefield sent me  three  print outs that do not show account numbers, dates of service, no original documentations with my signature or anything that validates these debts. Also the print outs that they sent me have different amounts from what they are reporting to the credit bureaus. I also believe them to be in violation to the HIPPA laws.
 XXXX 
Account Number : (   XXXX   ) Account Number : (  XXXX  ) Account Number : (  XXXX  )
Issue with Card Numbers : XXXXI purchased a US Bank Visa Variable Gift cards for {$500.00} at XXXX ( XXXX XXXX XXXX XXXX , XXXX XXXX , CA ) on XXXX/XXXX/2015 and XXXX/XXXX/2015. 

The {$500.00} gift card I purchased on XXXX/XXXX/2015 which was fraudulently used for {$490.00} at a XXXX XXXX in XXXX XXXX on XXXX/XXXX/2015. My funds are held for over XXXX months now. 

I tried to use the one I purchased on XXXX/XXXX/2015 on same day due to my previous card being drained by fraudsters before I used it, but it was declined saying that it was not activated. I faxed in required information for activating it. Later, when I tried to use the gift card at a XXXX in XXXX XXXX, CA on XXXX/XXXX/2015, the purchase was declined. When I checked online I found that it was fraudulently used for a purchase of {$490.00} at XXXX in XXXX, CA on XXXX/XXXX/2015 while I still have the possession of my gift card. I did not even know it was activated and the funds were drained. 

I faxed all the necessary documents to US Bank. It seems like something is really wrong with these prepaid gift cards that makes it so easy for fraudulent transaction while we still have possession of the card. I would suggest everyone not to buy these US Bank Gift cards to avoid this hassle and being out of your funds for several months.
XXXX/XXXX XXXX Inquiry : XXXX XXXX, 2017 +  XXXX XXXX XXXX/XXXX ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XXXX XXXX, 2017 + XXXX XXXX XXXX/XXXX ( XXXX ) XXXX Someone applied for credit, unknown person, and this company had 2 hard hits on my credit, ran my credit without my permission. Someone applied online and had items shipped to Florida, Walmart is still sending bills, I want these hard hits removed from my credit and I want Walmart to remove this credit card and stop sending bills. This is dropping my credit score and needs to be taken care of immediately! I am seeking an attorney, and will take action against them in the event I do find one.
Creditor masked -- misrepresented -- its phone number by using my home phone number and XXXX disconnected phone numbers formerly associated with me to dial my cell phone number. I would not have called my cell from my home phone and could not have done so since I was at the VA medical center when the call came in. There were no other people in my home who could have made the call, and my home phone 's " redial '' log does not show the call to my cell.