WillisBack/dataset-financial-user-claim huggingface dataset:
Enclosed upload will show the one & only contact with this company. 
contact violates 15 USC 1692g of FDCPA. 
XXXX This first contact document ( included with this " dispute '', Since no other documentation was provided to me prior either through electronic means or at my known & lawful residence, I must consider this my first contact notification of any alleged debt. ) 809. Validation of debts [ 15 USC 1692g ] ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, on the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor Since the First Contact ( XXXX Letter ) fails to meet these provisions & no further letters have been received either electronically or at my known & lawful address meeting the provisions of [ 15 USC 1692g ] within the five days limit set in the provision, I call upon the XXXX ( a Department of the United States Government Fair Trade Commission ) to act within its legal capacity, and ( its intended purpose to protect the consumers of the United States of America ) from illegal & abusive practices. I call upon the XXXX to order the removal of this item from my credit report produced by XXXX & any other Credit Reporting Agencies with similar entries. The XXXX has a legal responsibly to act in this matter. 
Further, I call upon the XXXX to report not only this but, also previous reports of violation committed by Financial Credit Services to the appropriate Federal and State Agencies for their consideration of possible action.
XXXX  's enrolled me in a third party scam called XXXX XXXX. XXXX XXXX have charged me various fees ranging from {$10.00} to {$8.00} that would change each month on top of their 25 % + interest rate. I had lost my card and went in to the store on XX/XX/XXXX to have another one mailed to me. They auto enrolled me in a program called XXXX XXXX. I never gave consent verbally or written of this program. No one in the store informed me that they were enrolling me in a program called XXXX XXXX  or that there would be any additional fees associated with my credit card account besides my already absorbent interest fee 's. I have tried contacting XXXX XXXX six times trying to get the fee refunded to my account. When I contacting the XXXX XXXX  credit card department they will always transfer you over to the third party XXXX XXXX company and they will deny everything and will send you an identical letter letting you know that nothing can be done and that they will not reimburse you for any of the fees that they have charged. I have felt powerless many times in this situation. No one is accountable, thus it is a major scam that has affected many hard working American families for many years. XXXX XXXX should solely be responsible since they let the wolf into the room and sold them my valuable information in the first place without customer consent and tacking on all the fees ranging from {$10.00}, {$9.00}, {$9.00}, {$8.00}, and would even stop it abruptly just to tack it on the following month always rotating fee amounts for the purpose of concealing it from the customer. They stopped the fee 's in XX/XX/XXXX just to start it again in XX/XX/XXXX. changing monthly to keep the scam up onto our credit card. I felt like a fool because I never noticed for a long time. From XX/XX/XXXX to XX/XX/XXXX they charged me XXXX onto my account. I have been scammed before with identity theft up to 10,000 and it does not feel good to be robbed.I froze all my account back in XX/XX/XXXX so I would have no need for XXXX XXXX. My daughter lost her father to XXXX a few years ago. It makes me sick that XXXX XXXX is prying on a single widowed mother who is barley making it as is. XXXX XXXX Number is XXXX and XXXX XXXX 's number is XXXX. They did nothing for me at all and I do not wish to ever return to XXXX XXXX since they are solely responsible for the $ XXXX+ they stole from me. Additional They want {$3.00} for each billing cycle to receive each statement spanning XX/XX/XXXX to XX/XX/XXXX so it would almost ruin my attempts to receive reimbursement. They then further refused my attempts to receive my statements when I asked and had to be transferred to a Superior and only 3 statements could be reported back to me for free. I am getting nothing in return from XXXX XXXX. I am just getting ripped off. This is a terrible affront to their loyal customers. XXXX XXXX   is filled with scam artists.
Honda Financial services Illegally submitted Double car Payments and unauthorized to thousands Of its customers since as early as per some customers say since XXXX XXXX and Honda Financial services Knew and until today XXXX/XXXX/16 I was victim of such act and it was personally taken out illegally form my bank without Permission or authorization. I trusted My bank information on there site and Never agreed to auto pay, easy pay.. I solely Left that information so when I want to pay future payments and the information was stored. leaving I thought it was safe with a company so big to leave my bank information. I have lost all trust. This also created alot of problems when I was declined at animal Hospital.
US Bank has been reporting my account as 30-days late XX/XX/2015. However, this is factually inaccurate. I have made several attempts by contacting them by phone, speaking to numerous representatives in several departments, including supervisors, but have been unable to resolve this. I have irrefutable proof, confirming a payment was not due on XXXX XXXX, 2015, ( attached ) and copies of my credit report, showing it has been reporting as XXXX late. I have written letters to XXXX, XXXX and XXXX disputing the 30 day late reporting for XXXX, 2015 However, and somewhat incredibly US Bank continues to verify that as accurate. I have an urgent need to update my report accurately as I am in the process of securing a large, XXXX XXXX dollar construction loan and as a result of the ( 30-day ) late account my interest will be increased costing me an additional {$17000.00} thousands dollars over the course of the loan. 
Additionally, US BANK 's website was continually down in XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015, not allowing me to make on line payments, and calling always had ureasonable long holds of over 10-15 minutes. Further, if you look at the XX/XX/2015 statement I have attached, it displays a balance of over {$5000.00} and the amount due as the same. This was a direct violation of the contract I had with US Bank.
I have received past notices in regards to this debt from A R Concepts Inc. I sent a dispute notice in regards to validation but have not received any response.
My mortgage is wi th Ocwen Home Loans,  not by choice.   On  XXXX   XXXX ,   XXXX  , I faxed a request fo r Ocwen to discontinue my escrow according to the guidelines set forth in my agreement. In my documents, it clearly states that an escrow account is a courtesy not a requirement ; however, my request indicated that an es crow account is required, therefore my request was denied. Your account information is limited online and this company does n't honor it 's own guidelines.
Received this visa debit prepaid card for {$60.00} as part of a promotion from XXXX XXXX. The issuing bank is Citi. The card expired and according to your website we should request a replacement since the funds do n't expire for 5 years. Contacted Citi customer service at XXXX. We were told sorry. First spoke with an agent named XXXX and then a supervisor named XXXX. Thanks in advance for your time and attention to this matter.
We purchased a XXXX XXXX  from XXXX XXXX in XXXX and then we traded this car in XX/XX/XXXX to XXXX XXXX. XXXX XXXX paid XXXX XXXX {$5500.00} as in contract to retain the original title and complete the trade agreement for a brand new XXXX car. 
We do not own or are liable for an account that was closed due to a trade-in vehicle purchase! Weve validated the balances and XXXX XXXX is claiming a debt that is mistaken, inaccurate, and deceptive. We have a copy of the XXXX contract stating they paid off XXXX. XXXX off and additionally, our paid fees to XXXX XXXX would have fulfilled our obligations ... we have proof of this trade and XXXX XXXX is scamming us and destroying our credit. They have falsified records and are using predatory financial tactics to collect a debt from a car they no longer own or are the lien holder to-How can they collect a debt for a car they or we do not own?
My fiance and I both have our own personal checking accounts with US Bank. They have extremely malicious overdraft fee policies, and terrible communication regarding this ( close to none ). If I overdraft I get charged instantly {$36.00}, but I would not receive notice for about 7 days ( letter in the mail ). Their policy also adds a {$25.00} additional fee if your account balance is not {$0.00} or greater after 7 days. Well, if I do n't receive notice of the fee for 7-days and only by mail, one of the least efficient ways to get information to someone, how am I supposed to know to pay it? So technically I get charged {$61.00} for any size overdraft. 

In today 's world nearly every business ( if not literally every business ) communicates instantly with their customers and already have this capability in place. US Bank has this capability in place. They have paperless statements, they have opt-in email capabilities, they have opt-in text messaging alerts/email alerts, YET they deliver notice of an overdraft by physical mail that does not reach my mailbox until 7-days after I overdraft. Mind you, this letter that is being mailed comes from XXXX miles down the road and it takes 7-days? What I mean by this, is that the letter is definitely pre-dated for the overdraft date in question, and is mailed out as though they sent it the day the overdraft fee occurred, FALSE. It does not take 7-days to receive a letter from XXXX miles away using USPS, I receive letters, cards, and physical packages from this very location all the time, using standard shipping options. 

I understand that a fee is just that a fee and that they can charge what they want for my irresponsibility, but what is that fee set at and why? Let 's say they would have made 10 % through loans, interest, investments, whatever it is that banks are thought to be doing to make money, lets say they could have made 10 %. I would have to overdraft {$610.00} at once for this policy to actually start being fair. I would say a lot of consumer accounts rarely exceed {$610.00} in total balance. 

My point is : Their practices are intentionally set up to make money from consumers through fees, NOT through issuing loans, etc. They realize they make more money if they purposely lack communication. They forgo using systems already in place that many other banks issuing credit cards currently use, INCLUDING THEM. Most would say, " Switch banks then. '' Alright I will, but US Bank is an extremely prevalent bank with a branch in nearly every US city, they have something that very few banks have. This gives consumers at least a reason to always look to US Bank as an option, especially small town adolescents turning into adults. US Bank will always exist along with their preying fee policies, and neglect to communicate with their customers, simply because of their stranglehold on a certain segment of the market. It is simply not right.
On XX/XX/ I initiated a transfer from my Coinbase vault to my Coinbase wallet. The transfer is still pending I didn't worry too much about it.I had money to spend in my wallet and I have generally been very happy with the services they provide. On XX/XX/XXXX I called their customer service number. The person who answered only took information and was unable to assist me herself. She documented my problem and assured me an 'expert ' would e-mail me back. It has been over two weeks and I not received any response. The amount was XXXX which is probably about {$6000.00} today. 
I'm not real happy. I have since seen a video of someone who had this problem and it was because he didn't confirm the transfer in both emails. 
I only have one e-mail to confirm in my inbox. It is possible that if they sent me two back to back with the same title, that I deleted what I thought was a redundant copy. In either case My money doesn't show in either location. It is in limbo and I feel held hostage as I am getting no assistance in resolving this issue. Thank you for your help.
I sent a request to Experian in XXXX, asking them to investigate errors on my credit report. I have sent several follow-up letters to them, but I have yet to get a response.
While reviewing my credit report I found that Progressive Management Systems had reported a debt to my credit report. The debt was for approximately {$120.00}. The original " creditor '' is XXXX XXXX Hospital. I do not have any bills for anything I have n't already paid. In fact I reviewed my medical bills for the year that this debt was supposedly incurred ( XXXX ) and I determined that all the bills I received that year were paid that year. I also reviewed my Flexible Spending Account for that year and all the medical reimbursements and I can not find anything to indicate I filed a claim that matches the amount or the time frame for the alleged date of service. There were no FSA claims for XXXX of XXXX. I have asked Progressive Management Systems to forward any documentation for the debt but they refuse to give me any information citing HEPA law. I asked them to send proof of the debt to the address they have on record and they refuse to. I even had them on the phone with XXXX and they did not give me any information other than that the debt was allegedly incurred by my ex wife in XXXX of XXXX. I have spoken to billing representatives at XXXX XXXX Hospital and they verified that nobody in my family had any outstanding bills. I spoke to XXXX from XXXX hospital in XXXX and she verified and sent me a letter that as of XXXX/XXXX/XXXX I had a zero balance. When that was n't sufficient to have the collections account removed I asked XXXX to send me an itemized history of my bills that showed a zero balance. They sent me that document as well dated XXXX/XXXX/XXXX. Progressive Management still continues to report this debt to XXXX and has refused to show me proof that I owe that money. They have not sent me any documents to prove that I have signed any contract for services rendered or any contract that makes me liable for the alleged debt. I have attached the documents I am writing about as well as some letters that I have sent out to the credit bureaus and notes from phone calls regarding this debt. I never got the chance to dispute this fairly and Progressive Management Systems ' continued attempt to collect this money by adversely affecting my credit worthiness without any measure of due process goes against everything that sets this country apart from others. I am disillusioned that consumers have very little recourse from corporations that prey on defenseless people. Many of my friends have said that I should just pay it and move on even if it is n't mine. I am a XXXX ; {$120.00} is not an issue to me. I have no problem paying money that I owe, but I refuse to pay something that I am not responsible for.
Complaint numbers below have not been addressed per the law therefor fraud has been committed False statements have been made Malice. A criminal acts have been made. Who will do their Job today. No investigation Still waiting on Loa the way the law calls for.n assignment sheet No audit done and cant be done without assignment sheet Changes made to contract without my consent loan extension not legal Payoff incorrect. Due to the above. Loan should be void or pay contract value Damages of XXXX XXXX should be awarded. Or XXXX credit line opened with XXXX  All Three CRA should share in the Settlement XXXX XXXX XXXX XXXX XXXX XXXX XXXX This loan should have never been approved I had no job no income no money an income was placed on application after I signed it. This is fraud and should be dealt with by Federal Reserve Justice Department and all other agencies. Predatory lending. Please forward to Federal Reserve. Why are they allowed to do this I made another attempt on my life. Respectfully XXXX XXXX
Hi to whomever in concern, This is a goodwill request to remove the late payments from my credit reports and adjust them to " Paid as Agreed ''. I was late with my student loans through XXXX XXXX for the months of XXXX and XXXX of XXXX. In result, I have 90 day and 120 day late payments on my credit reports. I did receive proper notification of the late payments, but at this time I was completely unaware of the consequences. But today, I am completely different. I have not had a late payment not only students loans, but I have n't on ANYTHING in over 29 months. I have the receipts to show that I have not missed a student loan payment in over 2 years. And I never will again. If possible, please help remove these late payments from my credit reports from the three major credit bureaus, as they are stifling my scores. I have turned a new leaf, and hope to use my credit in the very near future to start a business on top of other things that require a high credit score. I can not achieve this with these derogatory marks holding me back. These were the LAST late payments I will EVER have on my credit reports. Please let me know what I can do, or if additional information is needed.
I received a call from someone named XXXX claiming to be from Glass Mountain Capital. He refused to provide his last name or the company 's address. He put me on hold saying he was going to transfer me to his supervisor. The line was then answered by XXXX XXXX. He provided their address of XXXX XXXX XXXX, XXXX, IL XXXX. He asked if I still resided as an address on XXXX XXXX XXXX in XXXX XXXX ( I can not recall the exact address information he gave me ). I stated that that was an extremely old address that I had n't lived at in a very long time. I provided my current address and requested that they send me validation of the debt. He stated that letters had already gone out, and that he would send one to my new address. I asked him how soon I could expect the letter, and he refused to provide an estimate on how long it would take to be sent out. I told him that I would give them seven days to provide validation of the debt or else I would file a report with the CFPB. It has been seven days, and I have not received anything from this company.
Hello, I have seen some credit inquiries reported by XXXX and XXXX XXXX  on my credit report. I have sent both companies letter to get the inquiries removed, never heard any response from neither.
My ex-husband and I filed for chapter  XXXX  bankruptcy in  XXXX   2013 . Capital One credit cards were apart of the bankruptcy. However, Capital One is still reported as a negative account and an open account on  XXXX  of the  XXXX  credi t reports.-    XXXX    and  XXXX  Additionally  ; my report shows payments as being late even though the accounts were included in the  bankruptcy. I filed dispute with all of the credit agencies regarding the fact I do not have an open Capital One card and about the negative Capital One card still showing up on my report with late payments being reported. The only success I had was the removal of the open Capital One account with  XXXX  agency which was  XXXX . However,  XXXX  still reports Capital One as a negative account citing they verified the account which means I can no longer dispute it. The other  XXXX  agencies,  XXXX  and  XXXX , still report an open Capital One account. I have called Capital One and they say I do not have any accounts with them! I am at my wits end!
This is an email I sent to XXXX that explains what has happened with XXXX as well as Calibur Home loans not resolving the issue : Hi XXXX, I have attached all the documentation for my escrow shortage. The first document is my escrow analysis showing a payment of {$1500.00} on XXXX. The next document is a copy of the check that XXXX sent. The next document is the XXXX from closing showing a payment on the very last page of {$1500.00} for XXXX half taxes. The second payment from XXXX was received at the County on XXXX/XXXX/15 and the XXXX Title XXXX was received on XXXX/XXXX/15. So, there was an overpayment of {$1500.00}. There was a letter sent to XXXX asking for direction on where the refund should go and I have attached the refund request letter from XXXX XXXX XXXX. The County stated that XXXX processes XXXX XXXX XXXX 's taxes for them. 

I need this refunded ASAP. My escrow is showing a shortage and my monthly payment on my loan has gone up almost {$300.00} per month due to this error. I ca n't afford the additional payment so I need this figured out right now. I have been trying to resolve this for the last 4 months and everyone is blaming everyone else. I have also copied my loan officer on this email so if you could " reply all '' that would be helpful because she is trying to help me resolve the situation. 

Thank you, XXXX XXXX XXXX cell
My credit scores have been affected by the derogatory information on my credit file by several creditors. I have never given the creditor permission to report any information to my credit report, the information reported is not updated correctly, and according to the Fair Credit Reporting Acts Section 609 ( a ) ( 1 ) ( a ) I've asked for my original creditors agreement showing my original signature. XXXX has complied but Trans Union and XXXX has not followed the laws.
I applied for credit through XXXX XXXX, XXXX, MI to purchase a new washer. I was denied. I paid for the washer with my XXXX XXXX. A couple of weeks later, I received XXXX letters from Santandar Consumer USA. XXXX indicated I had been refused credit, the other told me what my limit was. I never received a card or anything further until I received a statement indicating a {$49.00} balance. I called on XX/XX/2015 and spoke with XXXX and was given the run around before I was disconnected. I called back and was told by XXXX who said the {$49.00} is automatically billed for having the card ( what card? ) and I owed this since I opened the account. I explained the situation and after some stressful conversations, was told the account would be closed. The next month I received another Statement showing I owed the {$50.00}. I called again on XX/XX/2015 and spoke to XXXX who indicated that even though I was denied credit through XXXX XXXX, I stilled owed the fee because XXXX had picked up the account on their own. I only applied through XXXX XXXX! I never agreed to have the account " picked up '' by anyone. Again, after more stress and lack of understanding, she assured me the mistake would be corrected within XXXX business days. I received another statement. This time for {$51.00}. On XX/XX/2015 I called and asked for a Manager. This time I spoke to XXXX. She indicated she would " make sure it is taken care of today. '' She was going to send it to the appropriate department to get it done. Well, I have just received another Statement for the {$49.00} and interest.