WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX 2013 I entered into an agreement to make monthly payments to P & B Capital for a debt from XXXX credit card that had been charged off on XXXX/XXXX/2013 in the amount of {$1600.00}. I was told by the collector that XXXX XXXX had purchased the charge off and sent the account to P & B Capital. My first payment began XXXX XXXX, 2013 in the amount of {$67.00}. My payment were monthly till XXXX of this year. I tried to contact the number I had written down when I entered the agreement in 2013, but was not able to reach anyone after I calculated I only had XXXX payment remaining. I received my first phone message to call the collection agency XXXX XXXX to discuss the missed payment. I called the collector on XXXX XXXX in the morning and was told that since I failed to make the final payment the agreement was now void and I owed {$600.00}. I was told by the collector that my payment had been returned. I told them I had not been notified by my bank there was a problem with the payment. I also communicated that no one contacted me to try to resolve the issue until now. After work on XXXX, I contacted my bank and was told that there was no attempt by P & B Capital to collect the final payment in XXXX. I feel that this is a " bait and switch '' tactic to collect more money from me. I called P & B and spoke with a floor manager after I called the bank and was told it was not returned by my bank, but by their system. I asked why they did not rerun the ACH since it was an error on their end. Was told company policy does not allow them to rerun if it was returned. Their policy is in place when there are insufficient funds as are majority of companies that run ACH transactions. This was not the issue, and I wondering if the transaction even was run at all since they knew it would be in default if the payment was missed. I asked them to work with the creditor who placed the debt to settle for the final last payment of the agreement, and I am waiting for a reply. However, I am under the impression that they will not agree after this mornings conversation they would only settle for half of the new debt amount. 
All I want resolved is my final payment to be taken in the amount of {$67.00} and for the debt to marked as paid. I refuse to pay more money to an agency who does not send out letters to collect and does not call. If they did call when I was at work they did not leave a message for me to call, so I have no idea if they did call or not.
I was contacting several months ago about a loan the I thought was paid XX/XX/XXXX but the company failed to take the amount out of my account and then waited until XX/XX/XXXX to contact me. I made arrangements with them in XX/XX/XXXX to pay the debt over several months. The payments were processed appropriately in XX/XX/XXXX and XX/XX/XXXX then in XX/XX/XXXX they began contacting me constantly threatening me because a payment did n't post, yet according to my bank, they never attempted to process the payment. I have tried working with them and have given financial information multiple times yet they keep contacting me saying payment has n't been made ( bank statements show they have or that they never attempted-initially the XX/XX/XXXX payment then after 3 conversations and sharing info, it finally was processed. XX/XX/XXXX payment was not attempted ) and asking for my bank info repeatedly. They call multiple times in a short period of time ( 3 times today in 90 minutes ) threatening me and telling me what I owe will triple, etc. they have even hung up on me when I ask them why I need to keep doing this ( share financial info ) when I have authorized payments to be taken out according to the terms of the agreement I signed. I have attached the XX/XX/XXXX document showing future payment terms. I also had payments processed earlier.
Hello my name is XXXX XXXX and my XXXX   account name is XXXX with the username XXXX XXXX. On XX/XX/XXXX I made several XXXX   transaction both for XXXX XXXX One of the XXXX $ transactions was sent back to my XXXX account then I requested to send it to my bank account upon doing that I received a estimation date of XX/XX/XXXX that I should have the funds in my bank account t that was not the case my XXXX account was frozen and an investigation began. After the determination of the investigation it was determined that I am permanently banned from XXXX   and my account is deactivated. Which to me is not the problem I am fine with that but they have XXXX $ of my own money in my XXXX account still on hold for up to 180 days which I can not afford to live without that money for that duration of time also I can only communicate through email response and with that the agent states that she can not assist me in this situation so know Im in a situation where I do not have my XXXX $ that me and XXXX know is rightfully mine and no time frame or assistance to when Im getting my funds back. Please help me with this situation is is very stressful and I would just like my money back so I can be done with them thank you.
Highly rude! Called my place of employment 4 times in a row speaking to different people. Left a voicemail stating that i will be sued and he will be faxing personal paper work regarding my debt to my HR Dept in 48 hours. After calling XXXX XXXX back he proceeded to speak to me like a was an stray dog. I asked to speak to someone else. Even after doing so he proceeded with his disrespectful tone. Totally XXXX the rest of my work day. Odd collection practices and I never once refused to pay. Something is wrong with this guy!
I purchased items on My Macys credit card. I returned XXXX of the times. 
No credit was given, until I called. Then they gave me store credit. Which I didnot want, or request. I wanted to credit to be returned to the card as I had purchased it. Deceptive selling practices. Pretty much had I not called them. They would of charged me the extra {$64.00} ( on the items I returned ) plus interest. NOt cool. 
They offered me " a credit '' to use in the store in 7-10 days..just ridiculous. 
Then had to argue with their out of the country representaives about making it right.
I purchased a {$500.00} XXXX XXXX gift card on XXXX/XXXX/16 from XXXX. The card was subsequently lost and I could not find the receipt with the XXXX digit identifying number and so I simply accepted it as a loss and moved on. Recently I found the gift card stub with this identifying number and quickly called Incomm to see if this was in fact the receipt I needed. The representative was easily able to find the card with the {$500.00} still on it and I was given a reference number and an e-mail address. I was told to send a photo of my ID, proof of address, and the gift receipt and the card would be replaced and mailed to me. 

I waited for a few weeks and when it never turned up I called them back. The representative then told me that the receipt was not enough and I needed to collect an electronic journal from XXXX, I had already done this once in the past but had thrown it away when I was told it was not enough and that I also needed the XXXX digit code. 

I attempted multiple times to get this electronic journal, both through the local store that I purchased the card at and the corporate office. I was told the receipt would be mailed to me after i supplied the necessary information over the phone, which I did, which included the exact date and time of the purchase and the amount of the purchase. Once again I never received this in the mail either, I called XXXX and was told that electronic journals were only kept for 90 days and there was nothing they could do as I purchased the card months ago. 

Incomm showed surprise at the fact there was no journal and stated they must be kept 365 days by XXXX, I tried to get it again multiple times but each representative at XXXX confirmed it was not kept that long. I escalated to a manager at Incomm hoping to resolve the issue in some other way, either through a bank statement or some other method of proof of purchase. Bear in mind from the start I was told I had already submitted sufficient information and then it turned into this fiasco. 

I am hoping the CFPB will be able to help me resolve this in some other manner, as I find it completely unacceptable they have already identified this unused card with {$500.00} on it and are now telling me I have n't submitted the proper information.
There is an address in which I have never lived at. The address is  XXXX   XXXX   XXXX   XXXX  CA  XXXX . I do n't know who listed that address in my credit report.
Equifax improperly handled their data security, allowing over 140 million credit report accounts, including account numbers, addresses and social security numbers, to be accessed by unknown third parties for an undisclosed amount of time. They have failed to notify affected customers in a timely manner and have not provided any clear method of protection of consumers or plan to correct this catastrophic error. Hundreds of millions are now at immediate risk of identity theft and fraud.
I really hope you can help me. XXXX and Equifax reporting an account that is past the statue of limitations. It's over 7 years and should no longer be reporting. I really need your help. There is an account with XXXX XXXX XXXX that it appears is some time of debt buying company. I have disputed it several times and XXXX said to contact XXXX and XXXX will not send documentation showing the account information. I really need your company 's help.
On  XXXX  21,2017   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , Pa  XXXX   XXXX  this company had an inquiry on my credit report that was not authorized by me.
Im not trying to provide a sob story but over the last past year I have been unable to gain housing due to this account. Today ( XX/XX/XXXX ) I talked to a Procollet Rep and I felt as if I was being bullied into making a payment. If I cant make a payment of {$890.00} on XX/XX/XXXX how can you expect me to make a payment of {$17000.00} on XX/XX/XXXX or XX/XX/XXXX? Overall Procollect today ( XX/XX/XXXX ) has basically refused to give me a payment arrangement therefore Procollect is refusing payment I wanted to make towards the account today. The Procollet Rep didnt try to provide and help or resources and basically didnt care, he just wanted a payment in full! 
I called Procollect on XX/XX/XXXX at XXXX regarding an outstanding account. I talked to XXXX XXXX and explained to him that on XX/XX/XXXX I was to pay a settlement offer ( {$890.00} ) which was, and courtesy offer they were offering for 30 days, that was half of my outstanding balance. What was explained to me that if the balance ( the settlement offer ) was not paid in full it would revert to the outstanding balance ( {$1700.00} ). However, due to illness ( XXXX ) I was unable to work, and I was calling to make a pay arrangement and make my first payment for the account. XXXX XXXX stated that he would cancel the XX/XX/XXXX payment because it would not go thru and then asked how would I like to pay the full payment of {$1700.00} today. I again stated to XXXX XXXX that, Im calling to make payment arrangements., XXXX XXXX replied, that Im refusing to pay. I asked XXXX XXXX how am I refusing to pay if Im calling to make payment arrangements? XXXX XXXX stated that I had no pay arrangement options and full payment is due now or by XX/XX/XXXX.
Hello, I opened a credit card account to HSBC. Account was approved. Then, I wrote a check for a balance transfer. It was first approved and then denied as it was " dishonored and returned ''. I tried to call the company and the special dept that takes care of this problems is never available or they do not respond. I tried then closing the account and they say the only one that can do that is the special department but they are unreachable. So, I have a credit card that I opened and I can't used and I can't close neither.
This has been going on for three ( 3 ) years, and I have filed more than a dozen complaints against various companies for fraudulent attempts to collect a phantom debt related to a payday loan that never took place. 

Concord Resolution is the latest company that is calling me, and their robocalls are replete with violations. 
1. The caller is not identified in 4 of 6 messages. 
2. None of the calls inform me of an attempt to collect a debt. 
3. All messages indicate I have done something that is subject to legal action. At least one recording suggests I have my attorney return the call. 
4. All are robocalls to my cell phone, and my number has been registered on the National Do Not Call List since XXXX XXXX. 

This non-existent debt was a product of the XXXX XXXX Scam in XXXX XXXX, and these calls have continued since then. The money these scammers are trying to collect was never borrowed by me, and it was never owed by me. 

I am attaching six ( 6 ) voicemails I received within 2 weeks. All six recordings include my first and last name to identify me, yet 4 of 6 calls do not identify the company leaving the message.
My mortgage was owned by PHH mortgage and was sold to XXXX in XXXX XXXX. The balances on the mortgage statements provided by PHH and XXXX do not match. I have made several attempts to have this corrected with XXXX however they are telling me they are not responsible for the accuracy of the balance provided by PHH when they purchased the loan. XXXX XXXX 's history and PHH 's history are not the same, XXXX XXXX is showing " restricted corp adv adj '' with amounts paid but balances are not reduced. My balance with PHH does not appear to have been credit correctly or timely from XXXX, large chunks of payments are removed and applied as " escrow or subsidy deposits '' These issues are present on both the PHH loan history and the XXXX history, however the issue that most concerns me is the fact that XXXX XXXX is saying I owe fees and charges that were not listed on the PHH loan history or statements from PHH. In XXXX, I received payment assistance from the XXXX XXXX XXXX ( XXXX XXXX ) and in XXXX, I did a modification with PHH. I am not sure the funds received during the XXXX were applied correctly and the modification amounts do not appear to be consistent.
Nationstar Mortgage LLC, which was the foreclosing bank/collection agency continues to report negative information despite the fact that the date of last payment, which was made to  XXXX   XXXX  Loans, was made on  XXXX / XXXX / XXXX . They are attempting to reage by claiming a payment was made to them in  XXXX .  XXXX  did not investigate rather they merely put wrote this fact as a consumer statement on report rather than correcting the error and removing the negative, outdated and inaccurate information. I have spent 10 years trying to recover from losing my home and rebuilding my credit. Yet they are trying to report it for 14 years. Nationstar has already been punished for this practice yet they continue their fraudulent practices.   XXXX  In addition, Nationstar was not even the owner of record who had the right to foreclose but i doubt anyone cares about that
XXXX billed us $ XXXX/month for unauthorized Internet access. [ We thought our son on the West Coast had ordered service. ] When we requested by phone and email an explanation from XXXX, they apologized, soothed, evaded, and finally stonewalled us. 
We then learned from Senate subcommittee testimony that XXXX had bought information from other companies, then submitted unauthorized charged to credit card companies, in this case Chase Credit Card Services 's Visa. 
We also learned from the same hearings that Chase routinely violated its own internal policies by posting unauthorized charges from third parties. And that XXXX topped their list of third companies with the most disputed charges. 
When president of Chase Visa in XXXX, DE was contacted by mail, he through a subordinate dismissed every complaint. 
Chase not only continued to bill the disputed charges, but reneged on a refund of our recently renewed membership fee, and despite 15 years of on time payments never cleared our resulting " delinquency '' with credit reporting agencies. 
As our claim was XXXX ; {$1000.00} and the Visa balance, " late fees, and penalties '' totaled XXXX ; {$300.00}, Chase knew no lawyer would take our case. Multiplied thousands of times, such actions generated millions of dollars for XXXX and Chase. They also boosted stock prices and executive bonuses. 
In effect both XXXX and Chase Visa simply stole money, because they knew they could. Electronic muggings by the Too Big to Fail. Or prosecute. 
Moral of the story : Scrutinize every charge from every account every month, then question unrecognized ones immediately. And vote out politicians who let XXXX XXXX write the laws.
I just checked my credit report and she a collections account on there for XXXX in the amount of XXXX  opened XXXX XXXX. I never opened a XXXX account!
I had two Discover credit cards XXXX and XXXX which I stop using in XX/XX/XXXX due to them moving money from one card to the other, adding charges that were not mind and others. I did a XXXX for law suites against XXXX and noted quite a few of the that required them to pay back their card holder the money that they illegally charged. I did not receive any refunds from then in fact the assed more charges to my cards because I stop using them! They also tried to get money out of my bank and from another credit card that I have! One of many court order that XXXX is not following. The Discover Fake Credit Card Agreement Class Action Lawsuit is XXXX XXXX v. Discover Bank, Case No. XXXX, in the in the Supreme Court of the State of New York , County of XXXX XXXX.
I pulled my credit report and noticed that  Jefferson Capital Systems are reporting negative information to the reporting agencies. This company is not licensed and bonded to do business in the state of Te xas and should be removed immediately from my credit files with the credit bureaus. I have contacted them with no resolution. I am requesting this information be deleted immediately due to affecting my credit.
THIS IS IN RELATIONSHIP TO COMPLAINT # XXXX THAT WAS FILED ON XXXX/XXXX/XXXX. THIS WAS FILE AGAINST XXXX DUE TO I DID NOT AUTHORIZATION THEM TO LOOK AT MY INFORMATION IN MY CREDIT PROFILE. i HAVE SENT SEVERAL LETTERS OUT TO THIS COMPANY ASKING THEM TO VERIFY BY SENDING ME THE ORIGINAL SIGNATURE THAT SHOW I SIGNED FOR THEM TO LOOK AT MY CREDIT PER THE FARE CREDIT REPORTING ACT. FINGER HUT HAS FAILED TO COMPLY WITH MY REQUEST. AND IS IN VOLATION OF THE ABOVE MENTION ACT. XXXX MUST REMOVE THIS OFF MY CREDIT PROFILE NOW. FOR FAILURE TO PROVIDE THIS INFORMATION UPON MY REQUEST.
Sent collection letter notice by XXXX XXXX XXXX regarding alleged medical debt, asked for verification of debt, received paperwork from XXXX XXXX containing screenshots & print out of account but nothing substantiating that the account belongs to or originated with me.
Compliant file with Equifax response is not accurate from creditor. Equifax stated review dispute ( XXXX ) information and was correct. Equifax provided contact information of XXXX. When I contact XXXX on XX/XX/XXXX at XXXX am I talked to XXXX in XXXX she informed they do not report any liens to credit bureau therefore, they do not have the resource to remove any liens from my credit report. The amount of {$520.00} has been resolved and satisfied by the XXXX with payment since XX/XX/XXXX ( filed XX/XX/XXXX ). This amount was paid before it was reported to Equifax credit bureau. I had provided this letter to Equifax with dispute however, Equifax refuse to remove this derogatory remark from my credit report with the intention to damage my credit rating. Also, on this dispute I notified Equifax about XXXX is still on my credit report. I provided a list of all of my other creditors were removed from my bankruptcy on my credit report except for XXXX however, again Equifax refuse to remove this XXXX item. Equifax intention to destroy my credit rating with discrimination refusing to remove these item from my credit report. Please your gratitude will be greatly appreciated to assist me where my credit rating has been damage with unfair treatment from Equifax. ( see XXXX attachments ) Sincerely Yours XXXX
on  XXXX   XXXX   XXXX  I took subscription for  XXXX .Account number  XXXX  On  XXXX   XXXX  equipment was shipped by  XXXX .   On  XXXX   XXXX   XXXX  send cancellation email.   On  XXXX   XXXX  confirmation email received of returned equipment Now I see on my credit report there is a collection filed on  XXXX   XXXX   XXXX  by  XXXX  for {$460.00}
XXXX XXXX XXXX, through the law firm of Blatt, Hasenmiller, Leibsker and Moore LL ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ), has placed a a lien against our property in XXXX IL based on a default judgment in XX/XX/XXXX for a debt owed by a XXXX XXXX of {$3300.00}. We were not aware of the judgment until a property search was performed in XX/XX/XXXX. This is a case of mistaken identity and the judgment needs to be vacated for the following reasons : 1 ) We have never had an unpaid credit card or other loan balance with XXXX XXXX, 2 ) we have NEVER been served, so we could not respond to the charges even if they were to the wrong person ( the court claims the defendant had moved ) 3 ) she has no derogatory record on her credit report from XXXX XXXX, 4 ) she is currently a customer in good standing with a XXXX XXXX credit card.
I believe the XXXX XXXX XXXXXXXX or Financial Credit Network is attempting to committee fraud and collect an amount that is not do. I normally don't ask for itemized statements, but as of this time I am asking that the XXXX XXXX XXXXXXXX through them or FCN provide me a bill for each of these months listed below. 
bill for XX/XX/XXXX to XX/XX/XXXX bill for XX/XX/XXXX to XX/XX/XXXX bill for XX/XX/XXXX to XX/XX/XXXX bill for XX/XX/XXXX to XX/XX/XXXX these bills need to include all meter reading and payments applied, As of what you sent me you show that as of XX/XX/XXXX that I owed a bill of {$300.00} billed at a rate of {$78.00} a month, This would show that I had made no payments since the start of service, and then 3 more bills sent out after that or service stayed on for another 3 months with out payment, just to clear up what im saying is NO UTILLITY COMPANY WILL COUNTINUE TO GIVE SERVICE WITH OUT PAYMENT OF MORE THEN 2 MONTHS, but your company is claiming that I received 6 months of service with out payment, I believe if I owed them {$300.00} by XX/XX/XXXX that the would have cut off services and not continue to bill an additional months, so at this time I do believe that fraud is being committed and that if this information cant be provided as requested in the next 15 days for I have already contacted financial credit network several times, that im left no choice but to file civil action and contact the State Attorney Office to investigate for criminal charges, and the Utility commission as well.
These people are calling each and every one of my telephone lines constantly, several times a day, every day. I need this to stop. They are sharing my information with others and have contacted me on numerous occasions at my place of employment. They are harassing me and my children and making threats, going to my home and banging on the door at all hours. They 've made numerous withdrawals from my account and are saying that I still owe money. I need them to stop immediately.
Nationstar has been sending XXXX XXXX to home to forecloseNationstar does not have standing
Have filed disputes more than once about this very account I have yet to receive documents stating this my account and not just saying verified. Please remove this from my credit report at once. Fair credit act.
I applied for and received from XXXX {$3200.00} to help me with my escrow through Bayview Loan Servicing.BLS received by echeck XX/XX/2016 and sent back {$2000.00} to XXXX and ca n't explain to me why.I have heard all year that they are looking into the matter.In the meantime my credit report is poor and only because of BLS.and i am having trouble buying a car.