WillisBack/dataset-financial-user-claim huggingface dataset:
Someone named  XXXX  called from Asset Recovery Associates stating that I needed to call regarding an urgent financial matter.     I have no idea what this could be about but in doing research I found out this company was a major scammer.
XXXX from Account Control Technology has contacted me several times at my place of employment. I can not have calls from outside of the company for personal use. She left a message with our XXXX to call her back at XXXX ext XXXX.
I received a message last on XX/XX/XXXXor XXXX of 2017 and could not understand what the woman was saying, but it sounded very serious, so I did what I could to call back. I finally got through after five repeated tries, without being able to leave a message and spoke with a woman named XXXX XXXX XXXX. She explained to me that her law firm was going to sue me if I did n't pay almost 800 dollars from over 10 years ago. I explained to her that it 's been way too long, and that there 's no way I owe that much. It was from when I was XXXX and opened up a Wells Fargo checking account. I got hit with some overdraft fees that I could n't pay, so the account closed and went to collections. Scared that I was going to be sued, before reading about the NFCPA  and all my rights, I reluctantly agreed over the phone to set up a payment plan that was completely unreasonable at XXXX dollars every two weeks. She urged me to sign the documents they emailed right away, which I did not. I tried to call back but could n't get through until the following Monday when I realized they went ahead and charged my bank the first XXXX dollars even though I never signed and planned to arrange another way of dealing with this. The company is XXXX XXXX XXXX and I was billed through XXXX XXXX.
I am a victim of identity theft and has XXXX accounts and XXXX hard inquiry thats not mine. The following accounts are fraudulent, unauthorized, stolen and lost : XXXX  XXXX/XXXX/XXXX, {$3.00}, XXXX XXXX DC, XXXX/XXXX/XXXX, {$380.00}, the following hard inquiry is not mine : XXXX XXXX XXXX, XXXX/XXXX/XXXX.
I gave my credit card number to a contractor to be used as a security deposit for services that we booked an appointment for. The contractor ended up using the credit card to charge us for their services and over-charged me for their services. I filed a complaint with Bank of America and requested the disputed amount of the charges be declined and allow me and the contractor to work out the dispute directly. Bank of America initially declined to dispute the charges on my behalf, then after receiving a letter that I wrote them regarding the issue, re-considered and offered to refund the full amount of the charges, then later, again changed their minds and only refunded a portion of the disputed amount claiming that they do not have the authority to refund all the disputed amount. 

I never approved the full amount of the charges and the contractor does not have anything in writing proving that I owe the full amount, and yet the bank is refusing to refund the full disputed amount. Furthermore, the bank assessed finance charges on the disputed amount that is not in accordance with our credit card terms. 

I feel that the banks actions regarding the dispute as well as the application of the finance charges is in violation of the law. 

I am asking that the full amount of the dispute be refunded.
There is a XXXX credit card on my credit report that I have been disputing since 2017. This debt was closed out by XXXX. The debt was purchased, without my knowledge, and I was never notified of this, by Midland Funding. 
Midland Funding never made any prior written notification to me to make payment of this debt, which I dont owe. 
I live in a secure building with a consierge and somehow someone was able to get to my apartment door and leave a legal notice. Then, two days later harassed the front desk staff who had to make him stand outside my building, and continually harassed me with phone calls even though I wasnt even home yet. The company servered back dated legal papers of XXXX that I received XXXX, suing for a little over {$580.00} at 12 % interest rate, on a closed disputed debt without any prior notice to me. They waited to serve these papers, didnt have me sign for them, making it difficult to file any court responses appropriately. The documents have no case number that I have been able to validate, it hasnt been signed by a court Clerk of any kind, and the license for this company to practice is out of Washington State. This is a clear violation of my consumer protection rights.
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX Phone : XXXX, eMail : XXXXXXXXXXXX Date : XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I have approached Credit Reporting Agencies multiple times to correct the erroneously entered data such as delinquent, default, charged off, collection account etc. from my Credit file with them. Credit Reporting Agencies are refusing to remove the incorrect data from my Credit File. Credit Report reflects serious delinquency, and hence, my credit rating is severely damaged, affecting availability of credit from Financial Institutions.

Therefore, I request your intervention to rectify the situation at your earliest convenience. 

Thank you Yours sincerely XXXX
We have had some medical and legal bills. We have now gotten 4 to 5 house payments behind. I told Chase we were able to pay 2 house payments and they told me via phone they will not accept them, They want all the payments and I do not have that. Also they demand the house payment directly on the first and my pay period is every two weeks on Friday and many time that is not on XX/XX/XXXX. 

I hope you can help meSincerelyXXXX XXXX
I tried to use my debit card today over the phone at XXXX XXXX. It did not work causing a waste of time. So then I tried to buy the same thing on line using the same card it did not causing a waste of time. I looked up the balance in the account and there was sufficient money in the account I called BofA and after a number of waits ( another 15 minutes ) they told me that the card was compromised and they were sending me a new one I said, why did you not send me an email saying that the card was now invalid so I would not waste so much time. They said that an email was sent telling me I was getting a new card. Well I get new cards all the time, so I figured, fine. What they did not tell me was that the card was now INVALID. So I explained carefully to the BofA representative on the phone : 1 ) if you tell your daughter you are giving her a new car, she says thanks dad. But if you do n't tell her that the reason is that there are now no working brakes in her old car, she can go out and have an accident. 

2 ) They must tell me the card is invalid in the email. NOT just that I am getting a new card Thanks for your help. Clarity in communications is important. Email should have started in BOLD : YOUR CARD IS NOW INVALID ( to make sure I read that part!!!! )
I made a Chase Visa CC purchase at XXXX XXXX on XXXX XXXX with no problem. It went through immediately. My son informed me that I should not have paid, that he wanted to treat me. The head of XXXX was on vacation until after XXXX XXXX so we decided to wait until the Wednesday after to do the transaction of a refund for me and charging his card. That Wednesday the XXXX of XXXX called and said a refund had been provided. I checked my account on Thursday, no money appeared. I am a Chase XXXX XXXX, so I called my account XXXX number. I also know it can take XXXX hours for a refund to appear, but that the account manager can see it sooner. The woman I spoke to told me XXXX had not processed the refund, and it can take up to XXXX days for the refund. I said in this day of electronics, that did not sound reasonable. I asked to speak to a supervisor. 

I was transferred to XXXX, who said she was a supervisor. She informed me that it depended on when XXXX did their 'batching. ' I would see my money XXXX hours after the batching. That seemed reasonable, so I asked for her number in case there were additional problems, she provided, XXXX, extension XXXX, which I repeated back to her for clarification. I called XXXX for their batching day, which I was informed was daily. I tried to reach XXXX several times, to no avail, the phone just rang, no voicemail. 

The next day, I went to my local Chase Banker, XXXX. The branch is on XXXX XXXX in XXXX XXXX, NJ. I asked her to check why it had not been credited back. I provided the vendor receipt, showing the batch number, time, amount, etc. so it could be traced. The back office refused to allow me to hear the explanation, refused to be put on speaker, and gave her an explanation that said the batching is different for refunds. Now I like game shows, but XXXX different doors, XXXX answers ) is not my idea of good banking. It XXXX make for good TV, but not for my money. I went home frustrated and upset. 

I went back today, Friday, and asked XXXX to provide my with a phone number for federal where I could ask for regulations about refunds. I might have asked my dog, he would have done better. No response, just another call to Chase. I did n't ask for that, I asked for a federal bureau to complain to. She tried everything, but no luck. I used to work XXXX, it was mandatory to have the state number for people to complain if they were unhappy. I went home a did the search myself, and got it in a minute. It is now three days, no refund, no answer, no resolution. I would like to know why they can withdraw money instantly, but not refund the money the vendor returns to me instantly? 

How long do they have to return this money to my checking account? 
Should n't they be able to provide a complaint line to the consumer? 
If they hold my money do n't they make interest on it and should n't I receive that money? Where did I go wrong in using my VISA card? 
Why did Chase not provide an adequate answer as to when my money would be returned to my checking account, why such secrecy over the answer?
A company keeps calling me NE Processing LLC XXXX claiming that I owe money and they are threatening to sue me. I looked up the company and can not find they are real. It even lists them as a scam. They have my old banking information somehow, but I told them I do n't know about the loan, but they do n't provide many details. They also used different names for their company also one day its one name another day its another.
I recently sent a letter to XXXX and Experian asking them to verify the bankruptcy on my report from XX/XX/XXXX. I feel they are reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The court does not verify this information directly and I have included a letter to that effect. No bankruptcy court will verify a bankruptcy case to any credit reporting agency. I was then told me they used a third party vendor in XXXX to verify, which is also untrue because I have documentation of a security freeze I put on my XXXX report earlier last summer. Since they have no way to verify and are only assuming that since the bankruptcy was valid in XX/XX/XXXX that they have the right to report this illegal information for 10 full years. I willl be filing a case in small claims court here in Massachusetts seeking {$5000.00} in damages and a court order to compel XXXX and Experian to remove thIs illegally reported information. Also, any account included in this bankruptcy should also be removed from my credit file. Thank you for your help.
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and  highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
This debt is not valid its meets FCRA requirements - I was never notified about this debt - I am not liable for this debt
I had a student loan, it was a XXXX loan from California XXXX XXXX University in the amount of {$2700.00}. The loan was originated in XXXX and defaulted in XXXX. The account was first delinquent in XX/XX/XXXX. It was reported to the credit bureaus as 90 days late in XXXX of XXXX. The loan was subsequently paid in full. The information has been removed from XXXX and XXXX. With XXXX, in XX/XX/XXXX, the information that was being reported incorrectly changed to show that the account was first reported delinquent in XXXX of XXXX. I submitted multiple disputes to XXXX and they have not fixed the problem. I have multiple old credit reports sent directly from XXXX XXXX, XXXX which show the correct original date of delinquency ... that the account was reported as 90 days late in XXXX of XXXX. Also the XXXX XXXX XXXX who is Furnishing the information to XXXX agreea 100 % with me that the loan was first delinquent in XXXX of XXXX and first reported as 90 days late and XXXX of XXXX. The date of furniture is adamant that they're providing the correct information to XXXX showing that the account was reported as 90 days late in XXXX of XXXX and that the problem is on XXXX end. XXXX refuses to publish the correct information despite multiple disputes in ample proof provided in the form of official copies of old credit reports from all four bureaus, including XXXX, as well as a confirmation directly from the data furnisher.
On or about XXXX XXXX, XXXX United Guaranty XXXX XXXX XXXX of North Carolina paid the balance of a second mortgage on a property in which I dwelled with my former wife. On that date they sent me a letter indicating that they had accelerated the balance of the loan and that the " balance in full '' was due " no later than thirty days from XXXX/XXXX/XXXX ''. 

On XXXX XXXX, XXXX I received a letter from XXXX ; a local law firm ; indicating that they were authorized to file suit against me. I requested verification of the debt by mail on XXXX XXXX, XXXX. They responded by filing suit on XXXX XXXX, XXXX. I have yet to be served a summons or receive verification. 

I believe that this is a violation of multiple parts of the Fair Debt Collection Practices Act, not the least of which is the fact that the attorney filed suit on a debt that is time-barred under Florida law.
In XXXX of XXXX, enhanced recovery company attempted to collect a debt on behalf of XXXX XXXX XXXX XXXX. This debt was posted on my XXXX and XXXX  credit reports. 
I was un sure where this debt came from, given the fact that I have not had any type of XXXX services for 10 years. I requested debt validation in XXXX of XXXX from Enhanced Recovery Company, to which they never responded. It has been a year and this debt that I am not responsible for remains in my credit file. This is not my debt and I would like it removed off my credit report ASAP.
The purpose of this complaint is to obtain a transcript of my account and or final billing of the last 90 days of the account that is in collection : I requested home phone service be disconnected XXXX XXXX. XXXX XXXX I requested internet service disconnected. I was told I owed {$100.00}. i was told i would receive a final bill within a few weeks that would show the exact amount owed since i did n't have service the full month of XXXX. 
XXXX XXXX i called XXXX sales department to start new service. i was told i was not eligible for service with them until i paid the final bill then I was transferred to customer service and paid old bill of {$100.00} then i scheduled new service installation XXXX XXXX XXXX XXXX i noticed XXXX collection was on my credit report. i sent copies of my statement showing this was paid before the new service began and i have repeatedly requested a copy of the final bill which shows i owe an additional {$82.00}. 

i have called XXXX and requested a copy of the final bill. i have requested this from the credit bureau and from the collection agencies. i do not have bad credit besides a medical bill and the fact that i can not get this removed from my credit or marked as paid is bothersome. What is even more bothersome is that i keep asking for a copy of the final bill showing i still owe funds. i had XXXX for over XXXX years and they never ever allow your new bill to generate if the old bill has not been paid. 
My monthly bill was {$84.00} each month for phone and internet combined and this was auto debited from my account for years. Please request they remove this from my credit or send me the final bill as i have requested for over a year. They keep sending this to new collection agencies which is really causing my credit score to drop. 

Thank you.
Everbank is my mortgagae company and they changed their website in recent months.In the new one I CAN NOT view the proper break down of my mortgage loan amount that I am paying. All of sudden they collect some different amount and you do n't know why?
Are you kidding me? the last time the spoke to me was XXXX2018? I have been contacting them through the CFPB. Are they really that lame? I was told it takes 30 days for this to be removed and we are now into the 90 day time frame and it is still on the XXXX report. So again Credit World has been in contact with me through this portal please get the facts straight. I was getting absolutely no where when dealing with these people directly!
I owned a house at XXXX XXXX XXXX, XXXX XXXX XXXX, WV. through Bank of America. ( Account # XXXX ). My ex-wife and I divorced in XX/XX/XXXX and house awarded to me with the stipulation that it be sold. Ex-wife had not made payments during marriage and I got a HUD loan to catch up on payments. Was unable to sell house and county court reversed decision and awarded house to ex-wife, XXXX XXXX XXXX XXXX in XXXX. In XX/XX/XXXX, flood took the house. Had flood insurance and Flood Insurance Settlement BANA paid mortgage off in XX/XX/XXXX. HUD loan was attached to mortgage in refinance. Since that time, I have been paying the US Dept of Treasury for what I thought was a school loan, but after contacting them found out that it was for a HUD loan on the house. I told them that the mortgage was paid off from flood insurance, but they did not get paid off. This should have been paid off by flood insurance. The Flood Insurance Settlement ( BANA ) claim number that should have paid off this debt is XXXX. Please help me settle this. I have to pay {$180.00} dollars monthly to HUD and my wife and I live on a fixed income.
Carter-Young INC said I signed a lease in XXXX for the University XXXX. I never signed a lease there. I was living and going to school in XXXX. I have not been back to XXXX since XXXX of XXXX when someone stole my social security number and tried to claim me on their taxes. I have submitted documentation to them showing them that I never signed and I was living in XXXX and going to school here. They still refused to dismiss the debt as identity theft. The credit bureaus do not want to take this fraudulent information off my credit after I have disputed it multiple times. All Carter-Young has sent me was a lease that was missing signatures but on the very last page it had the initials XXXX typed in. How can that document even be classified as legitimate. The key was never picked up for the apartment and no one never moved in. I want this fraudulent information removed immediately. Also, XXXX, I co-signed that apartment in XXXX of XXXX. I never lived there just helped a friend out who was homeless and trying to get on her feet with her XXXX year old son. I was NEVER informed by her or the company that she was evicted. I never knew anything about that eviction so that information is also fraudulent and I would like it removed from all three of my credit and tenant history report.
I recently checked my credit and I noticed my reports for  XXXX , Equifax and   XXXX   contained inquiries from companies to which I did not grant permissible purpose to pull my report for any reason. I have no idea how they could have gained access to my information without my consent but it is damaging to my credit and I want them removed. They are as follows :   XXXX   XXXX   XXXX   XXXX   XXXX     XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX  EQUIFAX  XXXX -  XX/XX/XXXX  Equifax : EQUIFAX   XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX  : EQUIFAX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  I also t hin k that it is strange that the multiple pulls from Equifax and   XXXX   XXXX   were  placed on several different dates.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
CAINE & WEINER COMPANY INC,  i was contacted by this company about a debt i was presumed to owe   XXXX   XXXX   (  XXXX  $  ).  I asked kindly for them to forward something in writing. they stated they already had and would not do so again. I tried to explain i had no record and that possibly i had misplaced what had been claimed to be sent. still no luck, then i tried to further explain that with all the robots and scam collection efforts in this country that i really needed this confirmation, I received no less than  4  calls from the same collections person presumably in California, same thing each time, they did insist i contact progressive, I asked if they were the ones servicing the debt? answer yes, again asked them to confirm by mail and assured them we could do something about the debt than all would be happy, still no luck they were unwilling and somewhat inconsiderate and unhelpful in the collections attempt, also disputed was the amount, they would have no part of this, ultimately  XXXX  did contact me about an error in the amount (  XXXX  $  )! !! but by this time the debt had been reported to the credits agencies b y Caine & Weiner.  it would seem unfair if not illegal for a company or person be able to report a debt for collections if they are unwilling or unable to service a debt