WillisBack/dataset-financial-user-claim huggingface dataset:
I have a settlement that I am paying off through Attorney XXXX at XXXX, FL XXXX. 

The settlement is for {$4700.00} and payments began in XX/XX/2015. I have sent written communication to this debt collector over the past 6 months requesting the account balance. I have yet to receive any communication from this debt collector regarding my account balance, however did receive a letter that my payment was late with them one month.
Received XX/XX/2017 collection notice from Southwest Credit Systems, L.P. for {$120.00} debt w/XXXX. I 've called & written telling them this is n't mine & even contacted XXXX to verify. They 've continued to send notices & it 's now on my credit report. I 've reported them to PA Attorney General receiving a file number & w/the FTC whereby I 've received a reference number. I want this stopped and removed from my credit report.
onemain in florida has called me after was told only call after work I have been called 17 time today XX/XX/2018 I know I owe you but they keep saying we will do a deferment and redo the loan I have losed XXXX dollars per last 2 years. employer did not honor our contract so I have not been able to get my payments with one main lowered they keep adding credit card interest daily my wife has had 2 storkes from stress and now a bad heart I also have something in my XXXX maybe XXXX not for sure this is to much stress on both of us for now please help XXXX XXXX
I paid off my account with Citibank, including all pending charges, and asked to have my card canceled. A few months later, I was contacted and informed that another charge had been added to my account that I had not paid for. Apparently, this charge was not reflected on my account. I had been charged late fees for XXXX and XXXX. I called and asked to have this issue resolved and offered to pay for the late charge. However, they refused to waive both late fees. They waived the XXXX late fee ( admitting that they had screwed up ), but refused to take care of the XXXX fee. They also could not prove that the charge was made before I had ask the account to be canceled.
I am a victim of identity theft. Several years ago my office was broken into and my wallet and passport were stolen. My wallet contained my social security card and my driver 's license. After the theft several accounts were opened in my name without my knowledge or approval. I have disputed these accounts and the only account remaining is this debt collection account. I have attached a copy of the police report to this dispute. I never did any business with the original creditor " XXXX XXXX ''. I never had any accounts with this company nor do I owe them any money.
Discover bank charged me {$180.00} fees in XX/XX/XXXX and {$60.00} in XX/XX/XXXX. And they closed my account in XX/XX/XXXX. I didn't receive any notification about this until they closed my account.
Recently while observi ng my credit score and   account overview on my  XXXX   XXXX  app, I came across  XXXX  hard inquiry listings on both my   XXXX   and   XXXX   reports. On my  XXXX  report, there is an inquiry dated from  XXXX   XXXX ,  XXXX  and the inquiry is with  XXXX . This was never an authorized inquiry, nor  one t hat I have ever been familiar with. I would like it removed fro m my credit score, as it states the estimated remova l date is  XXXX  of  XXXX . The other hard inquiry, which is on my   XXXX    report is an inquiry from  XXXX   XXXX ,  XXXX , which once again is an unauthorized and unfamiliar inquiry on my behalf that I would like to have removed from my  credit score.  This specific inquiry states it is from Cbna   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and will be removed at an estimated date of  XXXX   XXXX .
My account was overdrawn with BBVA Compass Bank due to a returned check but I am disputing unauthorized charges with another bank to get the money back to bring the account positive. I have been making deposits in the meantime to get the account back to a positive status but they're charging me {$25.00} each week for " extended overdraft fees ''. I now have an additional {$50.00} on top of a returned item fee. It is exorbitant and predatory. Anything you can do to assist me is much appreciated. I have no problem paying the original returned item back but I should not be charged {$25.00} every 7 days for something that I have been making efforts to pay back.
JPL Recovery Solutions Date : XXXX Approximate time : XXXX XXXX   XXXX  JPL called my employer and had me paged whole I was working. Caller asked for my date birth and asked if I worked for my company. Said they were garnishing my wages - I have to ask who was calling and in what regard ; they did not identify themselves until I asked. I told them I was at work and could not accept personal calls on a company line. He continued to ask how I would like to pay. I explained several times that I could not discuss at work and offered another number to call after my shift. He continued to threaten wage garnishment and further action even thought I continued to explain I was at work and could not discuss. 

This call was overheard by several colleagues in an open setting, including supervisory staff and has potentially put me at risk of disciplinary action or job loss. It was on a recorded line used for company training and quality purposes. I explained it was on a recorded line and put me at risk and he continued to pursue his badgering/collection activity. 

He trained that they were already contacting my employer for wage garnishment ( nothing has been received that I was being served a judgement ), he did not identify who he was with until asked and implied they were legal representation or attorneys trying to collect a debt for XXXX XXXX. 

This drew excessive attention from the floor and conversation was overheard by several individuals I work for/with. I was even approached about it being from a debt collector.
I have a charged off debt that has been sent to Bonneville Collections. Due to some discrepancies between what the agent said, and what I saw on my credit report, I requested a call back to be scheduled for next week so I would have time to investigate the debt with the original creditor. The agent from Bonneville Collections warned that they would not schedule a call back, but rather that I would need to call back in myself because the account was going to be sent to their legal department today or tomorrow due to the length that they have had the account, and so calling back in a week would be too late to do anything. This threat of legal action infringes on my rights. Additionally, the agent would not give detailed information regarding the debt beyond the name of the original creditor and the total balance. 

In summary : My net impression of the conversation with Bonneville Collections was that I had an outstanding debt which was sold to them. They wanted a payment plan to be set at the time of the call. or else it was going to be sent to their legal department either the day of the call, or the day after, with no time alloted to investigate the debt discrepancies. They are threatening legal action on a debt I disagree with due to details on my credit report and would not provide information on their end to help me to verify the debt. I refuse to blindly pay a debt after discussing vague details on XXXX phone call, and certainly do not wish to have legal action threatened to manipulate me into doing so.
Cash Central/and affiliated collection agencies have repeated called my place of employment, friends, and even family members mentioning my debt. They passed on the debt and people are still calling my family and now my NEW place of employment stating " I need to comply or else I will be picked up by the law enforcement assigned to my case. '' This has been on going since 2016.

I would like for the harassing phone calls to my friends, family, and place of employment to stop.
I received from  XXXX   Country Tax Claim Bureau  on  XX/XX/XXXX   a " Notice of intent to  Asses  Attorney Fees '' by certified mail because I have a delinquent taxes due {$3500.00}. I send to  Caliber Home  Loans copy of this letter by certified mail and by the system. Then I call to see what happened with my property taxes. They tell me that open a research and after  1 1/2  months  (  final week of  XXXX   XXXX  they tell me that all the taxes have been pay by  Caliber Homes  including the penalties fees. I request a copy of the payment but never send me this.  <P/> Next I received from  XXXX   Country Tax Claim Bureau  on   XX/XX/XXXX   a " Second Notice of intent to Asses Attorney Fees '' by certified mail. I sent to  Caliber Home  Loans copy of this letter by certify mail and by the system. I call again and they tell me that the property taxes has been pay in full.  <P/> Then I received a letter with analysis date   XX/XX/XXXX   from  Caliber Homes Loan th e same requires me to pay {$3000.00} for the escrow account.   I am writing a letter back to require a correct analysis of my escrow account that has been misused by   Caliber Homes Loan.
<P/>  My Analysis of the Taxes that I send to  Caliber  in the letter  : 1.  The taxes for  XXXX  ( according to invoices  )  were {$690.00}  ( county &  municipal ) + {$2200.00 } (  school ). For a total of {$2800.00} before   XX/XX/XXXX  . You debited from my escrow account on   XX/XX/XXXX   the amount of {$1600.00} ( city/town/township ) and on   XX/XX/XXXX  he amount of {$2000.00}  (  school ). For a total of {$3600.00}. There is a difference of {$780.00} that you took out of my account.  <P/> 2. The taxes for  XXXX  ( according to invoices  )  were {$1600.00}  ( county  & municipal ) befor e XX/XX/XXXX   + {$2000.00}  (  school ) before   XX/XX/XXXX   for a total of {$3600.00}. You debited me from my escrow account in  XXXX   XXXX  the amount of {$1700.00}  (  city /town ) + {$2900.00}  (  city/town ). For a total of  XXXX  taxes of {$4600.00}. There is a difference of {$980.00} that you took out of my account.  <P/> I send to  Caliber Homes  Loans a certified letter on XX/XX/XXXX  explaining all of this and requires the immediate correction of this. I never received a call or letter from  Caliber  and still have in the web site my new increase payment on my loan.  <P/> Is very important to let you know that I 'm never pay late my home and I am not responsible for taxes penalties. I call  Caliber Homes  yesterday to follow up my letter again and they tell me that my property taxes has been increase and that 's why. I tell the lady that talk to me that is impossible because I have a homestead exclusion in this house and they have copy of that.
To whom this may concern, I would like to raise the issue with respect to wells fargo 's online banking systems and its transaction hold times. I have a suspicion that wells fargo engages in illegal authorization of charges, but not in the order the consumer would have made those charges. And that their online banking systems does not include the most recent Transaction history. In all cases Wells Fargo has blamed the " Merchant ''. I am finding that charges made using my ELECTRONIC debit card are not posting to my account for almost 3 business days. For example, If I have an available balance of {$100.00} on Friday and swipe my electronic debit card at XXXX for {$10.00}, when I log onto my online banking site ( SAME DAY ) I should have a current balance of {$100.00} and an available balance of {$90.00} as the {$10.00} transaction from XXXX would still have been pending until the next banking update, which usually takes place the next business day. In the past with not only wells Fargo, but other banking institutions that I bank with, That " XXXX charge could pend for up to 5 days, but most cases it only takes Maximum 2 days. Not with Wells Fargo. When logging on to the online banking site, Their is NO record of my transaction to XXXX, and the charge was not taken from my current balance, thus not allowing my true balance to be reflected. On the following Monday, after I may have spent what my " online baking '' said I had available to me, from over the weekend I will see that SAME XXXX charge of {$10.00} from Friday show up under the pending transactions and then the bank claimed they paid it and now I am hit with an overdraft fee. This is not legal banking. This can not be legal representation of a consumers accurate account balance. I have trouble believing that the merchant would not even present payment on an account for 3-10 business days after the initial authorization of verifying funds in the account for. These Suspicious and illegal banking practices of random account debits and authorizations, have caused me many fees and Wells Fargo does not seem to take any responsibility for charges they post to a consumers account many days after the initial charge was made. This is n't a check that myself or consumers are using. Its an electronic banking card and the expectation is that it would reflect the most recent account transactions. Even a check deposited posts before some charges that I have made with my electronic debit card.
I am on XXXX XXXX XXXX and receive a direct deposit on my NETSPEND card monthly. I received my XX/XX/XXXX deposit on X/XX/17 of 2017. I went to the ATM and withdrew only XXXX of the XXXX deposit. Imediatley came home to pay my utilities via telephone with my Netspend card and was declined. I called Netspend to check my account balance and had XXXX and change left. I then received a mobile text alert that said there was a money transfer to XXXX XXXX in the amount of XXXX and a XXXX fee for the transfer I did nor=t authorize. I imediatley reported this to the Dispute Claims department at Netspend. I received a reference number, claim number and contacted the Better Business Bureau..to file this complaint. I was told by Netspends fraud department 2 days after filing the dispute that I was in fact a victim of fraud and they had to close my account because my safety and personal information had been compromised. The fraud department rep I spoke with admitted to seeing that multiple numbers from California had called, checking on the status of my deposit since X/XX/17. That the frauders had my D.O.B., social security number and even tried to change my PIN number. She also admitted to knowing about XXXX XXXX fraud ring occurring at the present time. I was TOLD I WAS A VICTIM, yet they refuse to refund my money. As far as I can tell, the investigation has been verified to be a legit case of a Money transfer scam and Netspend refuses to talk to me now. I called them to give them an updated email address and was told I could NOT be connected to the fraud department or the Dispute Claims department, as I had to wait for the investigation to be complete which is 56 days away..I am on a fixed income and facing serios hardships due to their bad business practices. My utilities will be shut off in 2 weeks and have no other means of financial help. I have contacted the Better Business Bureau ... .and just today I received a call from Netspend , stating I can no longer receive their services. The mans name was XXXX. I am serious about my financial hardships from this and need to be contacted and/or advocated for in this matter ... My home phone is XXXX and my email is XXXXXXXXXXXX ty
I had requested the consumer financial bureau to assist me with a credit card account in  XXXX     2015, m y complaint #  XXXX  which I had not used in 2 years. The bureau did a great job in removing fraudulent charges and the credit card company was suppose to close the account. I am now receiving statements fro m Barclay Card. The y also mailed me a check for {$94.00} which I did not cash because they do not owe me any money. I want any account affiliated with me  and Barclay Card clos ed. I have spent countless hours trying to do this on my own.
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX CC : US Bank Executive Office XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : CFPB Case Number XXXX ( Archived ) CFPB Case Number XXXX ( Disputed herein ) Illegal US Bank Business Practices Account numbers XXXX, XXXX, XXXX, XXXX To Whom it May Concern : I am writing to dispute the US Bank ( " the Bank '' ) response letter dated XX/XX/XXXX. On XX/XX/XXXX the Bank closed my credit card accounts and illegally seized my points without justification in violation of state law. 

1. The proposed settlement of {$480.00} represents a mere 50 % of the value of the seized Flexpoints, which are worth XXXX cents per point when redeemed for travel. 

2. The Bank violated XXXX Civil Code 1747.85 by closing the referenced accounts without prior notification. While the law does provide exceptions if the " cardholder is unable or unwilling to repay obligations, '' there is no evidence to support that claim. In fact, I have supporting documents which expressly contradict this claim and demonstrate the creditworthiness of the consumer at the time of closure. XXXX Civil Code supersedes the language found in the cardholder adhesion contract. Thus, the unilateral closure of accounts and seizure of points is without justification. 

I respectfully demand the reinstatement of all credit card accounts and the associated reward points. I intend to assert my rights until all accounts are restored or a more equitable settlement is offered. 

Thank you for your continued cooperation in this matter. 


Sincerely, XXXX XXXX XXXX.
XXXX/XXXX/2015 I am received a call from XXXX XXXX XXXX XXXX XXXX from the " XXXX. '' the transfer of title of my name in the name of XXXX and XXXX XXXX. XXXX XXXX XXXX XXXX XXXX sent me the documents to transfer title. Legitimate or fake - I do not know. 
For a very urgent request by XXXX XXXX XXXX XXXX XXXX XXXX, I am, XXXX/XXXX/2015, using " Western Union '' at XXXX o'clock XXXX minutes. I sent {$900.00} ( XXXX XXXX dollars ), but has received no receipts. 
I asked XXXX XXXX XXXX XXXX XXXX send any - any ID or other official proof of his identity, he refused under various pretexts, he demanded {$900.00} ( XXXX XXXX dollars ) more to send him money for other transactions. No one I did not get released. Sensing the hype I demanded to finish the first case of the transfer of title. XXXX XXXX refused. and disconnect the phone from the network. On XXXX/XXXX/2015 I can not reach XXXX XXXX XXXX XXXX XXXX XXXX and continue the discussion. I 'm pretty sure that is - FRAUD!
GC Services Limited Partnership, XXXX XXXX XXXX, XXXX, TX XXXX, and myself made an agreement to pay a certain amount of money each month on an open credit card account that was in collection. I have made each payment prior to the due date to ensure that they would not start calling incessantly as they did prior to me answering ( as I do not usually answer numbers I do not know ). I made a payment for the month of XX/XX/XXXX on XX/XX/XXXX ( due date XX/XX/XXXX ). I received a letter from GC Services Limited Partnership dated XX/XX/XXXX titled " NOTICE OF MISSED PAYMENT. '' As I know this was untrue as I never miss this payment, I called them on XX/XX/XXXX. The woman who answered the phone stated that she had record that I had made payment prior to the due date on each occurrence. She stated that she was aware these letters went out and this occurred due to an " upgrade to XXXX XXXX XXXX. '' I never received a follow-up letter from them stating that this was done in error, although the representative clearly stated that they were aware this happened. I also pointed out to her, if the system was printing them in error, the humans that placed them in envelopes should have caught this and thrown the letters out. GC Services is attempting to collect additional payments by sending out these letters by alarming individuals who have made payments on time and per their agreements with GC Services.
I receive an " updated '' status from XXXX instead of a deletion. I originally disputed a series of student load delinquencies ( XXXX ) on my XXXX, XXXX, and Equifax credit scores. I have only missed XXXX payment to XXXX ( XXXX XXXX XXXX ), which is now paid to date, and they chose to report this late payment XXXX times to the credit company. I have a fairly good score prior to this happening and I want to have it corrected as soon as possible.
I paid a dept in full and was told that I would receive a written confirmation that the payment was made. After not receiving the confirmation, I have contacted the collection agency numerous times ; they promise to send the confirmation but never do so. Without it, I am fearful that this debt may remain on my credit report. I am also waiting for a loan to be approved from a XXXX XXXX and they will not process the loan until they receive a copy of the written confirmation. I have no confidence that the collection agency will provide me with this document unless they are compelled to do so.
I sold some Litecoin cryptocurrency from Coinbase on XX/XX/2017 in the amount of {$1300.00} and had it transfer to my linked account for payout. money never reached my account. I sent a support email to the company and didn't get a response. I've sent probably 10+ emails and more recently XXXX @ coinbase to try to get them to help me. I have not gotten any help in this matter in almost 2 months now. my most recent case # for the email i sent today is XXXX. I noticed that all my other emails have been deleted from the support page within my account now. This company won't help at all. Their phone lines say they can not help with anything about money whether it be deposits or withdrawals.
i 'm STILL getting regular phone calls from a robot identifying itself as " Diversified Adjustment services '' and it 's driving me crazy. they call at various times, sometimes waking me up. they fill up my voicemail. i have no debts! XXXX of the numbers they call from is XXXX it 's been MONTHS!
After looking/pulling my credit reports on XX/XX/XXXX, I discovered that a company called STELLAR RECOVERY INC placed a collection notice on my XXXX, XXXX, and XXXX for an account with a cable or cellular company ( Not indicated on credit bureaus ) for {$58.00}. I have not received any written notice or communication from this company and have no idea why they are trying to collect this amount from me. I have not ever heard of this company and they are ruining my credit profile. I was not made aware of the debt before it was reported to the credit bureaus. I am XXXX individual. I do not have cable service or use a commercial cellular telephone service. On my credit reports, they are listed as the original creditor, with the date of delinquency of XX/XX/XXXX. As clearly this is not my account, it needs to be deleted immediately from each of the credit bureaus.
received messages from my BOSS telling me that they were contacted by XXXX of this company. and that i would get reprimanded if they continue to receive personal calls regarding me. They have contacted my supervisors telling them they are attys looking for me and that i need to call them.
Purchased a needed XXXX XXXX matic for $ XXXX with $ XXXX as deposit and $ XXXX in XX/XX/XXXX. There interest rate was manipulate and inaccurate Federal Truth In lending disclosure. Car was paid off infull and forcefully entry used to take my car away by XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX when upon lemo law mediation been setup by the State. The car did not have any emission record and it was lemo within first 90 days of purchased. Over paid for the car. The sales representative XXXX XXXX XXXX it at sovereign motor cars.