WillisBack/dataset-financial-user-claim huggingface dataset:
For several years now I have been recieving collection calls and a collection letter looking for a "  XXXX   XXXX   XXXX  '' regarding his defaulted student loans. The first collection letter which was mailed to my home address was from the loan guarantor  XXXX   XXXX   XXXX . I did n't open the letter because it was n't addressed to me. I did call them, and told them of the mistake. Short time later I started to recieve collection calls from various companies like  XXXX   XXXX ,  XXXX   XXXX  and others looking for the above individual. I again contacted  XXXX   XXXX  and  US D epartment of Education as to why I was recieving calls. On   XXXX   XXXX  , I recieved a call on my cell phone from a company called  Collection Techology Inc l ooking to a  XXXX   XXXX   XXXX . I explained they had the wrong number and asked why they were calling on my cell phone. She told me it was the number on file and wanted to verify my DOB and SS number. I gave her my date of birth and she claimed it matched, and then proceeded to request the last  four  of my social. I refused and told her she needed to provide the last  four of what they had on file, which she did. She actually gave out the last four o f his social. Needless to say the conversion became extremely heated. I sent an email to their general counsel expressing my anger over recieving an auto dailed call to my cell phone and the violations of the FDCPA. A couple of weeks later, I recieved a response from a  XXXX   XXXX . The attached letter was full of errors. First they claim to be looking for me and not the other individual. I called the number back from another phone number and when I gave them my full name they stated they did not have such a file. I gave them the cell phone number they had called and they then confirmed they were in fact looking for a  XXXX   XXXX   XXXX . The letter implied the my cell phone number was supplied to them by the original creditor and they would correct the suppliers bad information. I again called both  XXXX   XXXX  an d US DoEd, and neither my cell phone nor landline are associated with the account. The let ter goes on the deny the use of an autodialed call and denies giving out the last  four of so cial violated the FDCPA. I sent another email back to both their general counsel and the original senders email and to date have heard nothing.
i applied for a loan the loan officer looked up the credit score and told me the score was at XXXX was to low to refinance but when i looked it up on experian i took the XXXX scores over to the branch bank they sent it to the loan dept it was at XXXX how is that different also the bank sends me papers to sign thing to me the loan went though but it did't that 's not costumer service the branch bank said it should go though
I have requested a validation of debt from XXXX XXXX with no response. I also requested a Affidavit of Fraud from this collection company with no response. This company as placed a Restraint on my account so I ca n't access to my money since XXXX 2015. I recently received a notice stating that they have removed all the money in my account. I never provided to this company my account information I do n't know how they get my information. I truly believe that this is illegal and unconstitutional. Please help me to get this issue resolve.
In XX/XX/XXXX, I filed a complaint with the CFPB regarding Credit Corp Solutions and their calling me at work after I had asked them not to, and their illegal threaten of legal action. In their response, they agreed to settle for {$1200.00}. Unfortunately, I had to put that money elsewhere, and I was also afraid to give them access to my bank account information due to the fact they had violated rules earlier and I could not trust them to keep their word. 

On XX/XX/XXXX, I received a letter from XXXX XXXX  XXXX, dated XX/XX/XXXX stating they represented Credit Corp Solutions in the matter of a debt with XXXX XXXX in the amount of {$2400.00}. On the same day, XX/XX/XXXX, I contacted XXXX XXXX  XXXX through their website and requested validation of the debt. 

I did not receive any validation or verification from XXXX XXXX  XXXX, and therefore had no reason to believe they legitimately could collect this debt. 

On XX/XX/XXXX I was made aware that a complaint had been filed against me in this matter in my local court, despite the fact that I had requested validation from XXXX XXXX XXXX. Now I am being sued for this debt by a company, Credit Corp Solutions, who I had previously agreed to pay and had made an agreement with because they broke the rules and now their attorney has as well.
This is my XXXX complaint about actions of the Discover bank and account that I used to have in the past with them. My XXXX complaint was about disrespectful attention and harassment at work settings by hired attorney XXXX. I currently contacted the Executive office of Discover Financial Services. When my card stopped working at different places I requested to change my account and resend me a new card. They had changed my account and resended me a new card that I had never got in mail. I requested to to resend it again and no one respond me so far. Yesterday came to my work woman from Discover and its financial collection agency. I pay the card XXXX a month I requested to have online account ot save XXXX on money order and stamps they have n't bill me, I have n't received any paper statement with address of payment and the XXXX stands up too high payment based on my current income its over XXXX. I think everything is unrealistic. They also reported to the credit buraue I think that I do not have access to internet and card account to make payment. They just want to mess my credit and stopped all communications with me based on I believe racial discrimination of XXXX collection agency of my employment supporting XXXX of XXXX with prove of that card belongs to them and they will pay it off when will hire me. I am against of unwanted employment and actions that XXXX is taking for my personality discriminating me against desired employment and income and other factors which are happened with Discover financial at work settings. Please advise what I can do in that case. I mail payment but do not know if they are accepted and why they ca n't send me temporary card with online account or monthly statements with confirmation of my payments. I had never got the replaced card in mail and other mailings as well, only discrimination at work by XXXX agency hired to collect the debt. 
Please advise.
Numerous calls at home and work from Diversified Consultants in reference to a Debt from XXXX. Numerous complaints against XXXX have already been submitted and closed. Debt is not owed.
There are two inquiries on my report that I disputed with XXXX and the credit bureaus. I also spoke with XXXX  concerning the two inquiries and XXXX stated they do not show the inquiries in there system. XXXX told me to dispute them with the credit bureaus and I did. TransUnion, XXXX and XXXX keep stating they verifed the inquiries. The credit reporting agencies did not verify. If this was true they would be removed. I called XXXX again and they stated the credit bureaus did not verify anything with them. The inquiries were on XXXX XXXX, XXXX and XXXX XXXX, XXXX. These inquiries are affecting my score and I want them removed immediately! The number I used to contact XXXX is : XXXX XXXX XXXX XXXX.
Some how some one made a copy of my debit card and went to XXXX different Chase banks and withdrew {$500.00} each time on XXXX/XXXX/2015. Bank notifed me by text asked if I did transaction, I said no, then I called the Chase Bank to in form them it was not me. Every person I spkoe to at Chase was rude and unprofessional, even told me my account is frozen and that Im not allowed to open another account at Chase because Im a high risk. I even had a gentlemen " XXXX " tell me If I had the card in my pocession then I must have done it. I was beyond XXXX. A victim and treated like a criminal. I was told at this point the person also deposited a check in someone elses name through ATM into my account. I told them it wasnt me and that took them a week to inform me of this. Back and forth several days, weeks and even going into XXXX banks to get my money out ( even the money that was left in my account ) they would not allow me to have access to it. I called again they told me that check sent out on XX/XX/XXXX, I called yesterday XX/XX/XXXX they said check went out on XX/XX/XXXX. Here its the XX/XX/XXXX and I still have not recieved my money. Is this legal for them to do. I did nothing wrong and I feel like they are the criminals they have my money and wont give it to me. I have been told by others that it has happen to them and their bank did not treat them like this. What can I do? What legal rights do I have?
I have the same payment reported 4 times on my credit report inaccurately. I have tried calling and sending letters. These negative remarks are damaging my credit. The errors are keeping me from renting a house or apartment. My family is displaced from our home because of these errors.
My husband recently XXXX. Prior to leaving he submitted the required paperwork to USAA ( just as he had done for previous XXXX ). Recently we received a letter from USAA denying our SCRA benefits and they would not be lowering our interest rates to the 6 % let alone the 4 % that they advertise. They state that we incurred the debt after entering into this activity duty status, therefore we do not qualify. Since he just recently XXXX, this is not possible and the debts were previously incurred. After multiple XXXX and submitting this paperwork to multiple institutions USAA is the only financial institution that has denied the benefits. I would also like to note USAA did not deny our request for the previous XXXX. I was transferred to XXXX different associates that failed to assist me. When I spoke with one of the representative at USAA he stated that this benefit only applies to reservists, when they are called to activity duty.
I was denied a job for a company due to the information that the company reported that was over 20 years old. The company told me that it would exclude me from future employment due to this information.
I have been trying to get a hold of someone at American Express in regards to my grandmother 's account she passed away in 2011, I keep getting offered a gift card for a {$4.00} activation fee? All I want is for them to write off the card and close the account like the other card
I was a victim of identity theft in 2017. the debt was cleaned from my record. But, yet a debt collector is trying to get money from me. I am not paying for this debt. It is not mine and it has been removed from my credit report. They are still trying to get money from me despite the debt not being mine.
I a hospital bill that was turned over to collection to XXXX XXXX XXXX XXXX XXXX I paid off my bill in full on XX/XX/XXXX. Because they failed to discontinue my automatic payments from my checking account, they withdrew another {$50.00} dollars from my account on XX/XX/XXXX. I called them this same date and told them what happened and they said they would reimburse my account. On XX/XX/XXXX, I still did not receive the reimbursement and called them again. This time they said they didn't show that they had taken the extra money and I needed to send them proof of payment. On XX/XX/XXXX, I faxed them proof of payment. Called on XX/XX/XXXX and they said they received the fax and would reimburse me and that it would take a couple of days. On XX/XX/XXXX I still had not received the money and called them again. They said it would take up to 10 days for the money to be reimbursed. Today is XX/XX/XXXX and I still have not been reimbursed. Every time I call these people they give me a different answer. I think they are just stonewalling me hoping that I will give up. I am on social security and {$50.00} is a lot of money to me. This seems like an unfair and illegal practice to me.
First I did try to work with them on a pay plan got overwhelmed with it. They would start calling from XXXX XXXX - XXXX XXXX every day. They try to involve my family who 's numbers I never gave. My phone number can show they will call example XXXX, XXXX, XXXX so on. I have only so many people who can call and I have included my doctors, some family 's because I had to set the phone up to stop this people from getting thru. Help me please I need my phone back
First, I received information from XXXX credit report. Showing that a point has been taken and that my balance increase {$300.00} between XX/XX/XXXX and XX/XX/XXXX almost like I owe them more money. Sidenote ( I paid {$440.00} to them XX/XX/XXXX and was and still is current on my payment ) I talk with them about this matter today XX/XX/XXXX and they gave me the RUN-AROUND. An addition on all three of credit reports XX/XX/XXXX payment were not reported 5 of those were the 5 first payment and the info one is false and inaccurate. I talk with them about this matter they gave me the RUN-AROUND also putting me on hold for long periods, then hanging up. No one calls back and when I call back no one answers.
I was notified my data had been breached at Equifax. A temporary freeze was placed on my account. I have tried multiple times to remove the temporary freeze to allow me to refinance my home. The lender will not process my loan because he can not get the Equifax credit score. I have tried at least five time on different days to remove the freeze through the website to no avail. I have called them on different days to no avail and the line was repeatedly disconnected. On XXXX XXXX, I did get to speak with XXXX and she said she could not do anything by telephone. I explained the website did not work and had tried multiple days she told me I would have to continue to try. I explained why I needed it removed and she said she could not do anything. I asked for a supervisor and XXXX told me all she could do was for me to go online to " XXXX '' for more information to remove the freeze which is of course does not help remove a freeze.
Dear CFPB : We discussed the matter with a lawyer. He says this is a case of a loan-sharking and an armed robbery abusing escrow & foreclosure procedures. Victims count millions. 
Chase paid {$43000.00} for our taxes since XXXX, and we paid back as below. 
Chase paid We paid Escrow Balance XXXX XXXX {$7500.00} {$7500.00} XXXX XXXX {$7600.00} {$15000.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX {$11000.00} {$11000.00} XXXX XXXX {$4800.00} {$6400.00} XXXX XXXX {$1300.00} {$7800.00} XXXX XXXX {$5800.00} {$1900.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$8000.00} {$8000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX {$1000.00} {$1400.00} XXXX XXXX {$1400.00} {$42.00} XXXX XXXX {$6800.00} {$6800.00} XXXX XXXX {$1500.00} {$8400.00} Now, Chase is demanding us to pay ~ {$35000.00} : total ~ {$80000.00} = {$43000.00} + ~ {$35000.00} whereas : ( 1 ) as of XXXX/XXXX/XXXX, our mortgage is current and the balance is {$350000.00} on Chase 's book as {$350000.00} on our book ; ( 2 ) our payments have never been late and we are not in default ( see Book XXXX ). 
We do n't owe ~ {$35000.00} to Chase. 

Chase says if we do n't pay XXXX {$35000.00}, they 'll put our house on sale and steal {$300000.00} in equity. 
Apparently Chase is doing an armed robbery by abusing foreclosure procedures. 
Chase says they are following " the investor and lending guidelines. '' If so, the investor and lending guidelines they wrote are unfair, predatory, and criminal. 
If the court examines their investor and lending guidelines, it will find numerous violations of consumer protection laws and other laws. 

Did n't Chase do kickbacks and steal $ XXXX from homeowners a few years ago according to their investor and lending guidelines? 
Has n't Chase been doing loan modification frauds and stealing $ XXXX HAMP money from the government and homeowners according to their investor and lending guidelines? 
Has n't Chase been abusing foreclosure procedures ; harassing & threatening homeowners, and stealing $ XXXX from them according to their investor and lending guidelines? 
Has n't Chase committing numerous tax frauds according to their investor and lending guidelines? 
For these and other criminal practices President/CEO and Executive Teams of Chase Home Finance LLC shall end up standing a trial in a criminal court. 

Following the lawyer 's advice, we informed Internal Revenue Service ( IRS ), the HAMP administrator, and media outlets of Chase 's accounting problems, kickbacks, escrow abuses & loan-sharking, frauds in loan modifications and possible tax frauds.
Removed as an authorized user moths ago shows her having a monthly payment of {$71.00} a month and a balance of over 1000 please remove the account from my profile as Im no longer an authorized user thank you
XXXX was sold tranfer to portafolio never did any contract with them They have to XXXX tranfer to them that was already taking out of my credit report Was a fraud open XXXX un see my name and the company tranfer and sold to them portafolio recovery
I never received a notice of this collection or was offered the right to dispute this debt. I was denied credit before realizing this false information had been reported on my credit files. I requested validation of this debt and was ignored. LVNV Funding continues to falsely report this account as an open revolving account and re-age the account to purposely damage my credit.
I responded to an offer from Bank of America for its "Travel Rewards" card.  The offer included 0% interest for 12 months.  Prior to accepting this offer I had never had a BofA credit card of any kind.  I made my first transaction on XX/XX/XXXX.  My statement clearly reads "promotional APR 0% until XX/XX/XXXX."  On each of my last two monthly statements I have been charged interest on an outstanding balance.  I have twice contacted BofA to remove these charges and stop making further charges.  So far to no avail.I would like CFPB to intervene on my behalf.I suggest that CFPB detremine if this is a widespread problem.  I am sure that many people - especially those used to carrying balances on credit cards - could fall victim to these incorrect interest charges  without even knowing it.  Recent history, e.g., XX/XX/XXXX, suggests that large banks sometimes try to charge their customers for things customers never agreed to.
In XXXX of this year I made a purchase on my Pay Pal credit account from the XXXX for {$180.00}. The Post Office said that the package was " delivered to an individual '' at my address on XXXX XXXX, XXXX. Anyway that was what the tracking stated online. The problem was that no one was home that day, both my husband and I were in XXXX, Florida on business and since we are the only ones that reside in our home we knew something was wrong. I first contacted the merchant on XXXX XXXX, XXXX, they said that they would put in a package search request. In the meantime I called the Post Office and notified Pay Pal that I never got the item. They did not seem to care ... Later in a  letter/email dated XXXX/XXXX/XXXX the Post Office admits that they could not locate the package. I advised Pay Pal by giving them the letter and repeatedly informed them that I never got the package. THEY REFUSED to refund my money and I need your help.
This package was never delivered to our home and to date there has been no replacement provided by the merchant.
Additionally Pay Pal had an issue with their on line bill pay and had assessed me interest charges ... I pay enough each month to avoid interest and participate in their 6 months interest free program and have complied with all the requirements of that participation.
I want all interest charges and late fees reversed and a refund of the item that I never received in the amount of {$180.00}. I will fax the letter to you from the Post Office stating that in fact they could not locate the package in question.
Had a CareCredit account used for eye glasses and dental charges. Through no request from me company sent a CareCredit XXXX. After several notices both print and electronic I did activate the XXXX ... the initial account with the promotional offer was closed and the balance moved to the XXXX. The promotional offer on the balance expires XXXX XXXX. As far as I was concerned, once the balance was moved to the XXXX the promotional offer should have become null and void as the balance was moved before the promotional offered expired. Therefore, I should not be subject to fees that will be incurred because the balance was not paid in full. This is not how the credit card company views it, however, I beg to differ. I view this as criminal intent to squeeze me for the fees not charged during the promotional period and although I requested the balance be charged to the credit card of my choosing, I was inform I could n't do it but that is exactly what the company did. They move the account to a credit card albeit it was their own and still plan to charge me the fees once the promotional period expires.
The following items are reporting inaccurately to my credit report on XXXX XXXX and should be removed. XXXX XXXX XXXX -Never late/Balance incorrect XXXX XXXX XXXX-Never Late/Balance incorrect XXXX XXXX XXXX-Never had an account or contract with this company XXXX XXXX XXXX-Never Late/Incorrect Balance XXXX XXXX-Incorrect Balance The following companies have pulled my credit and have not had authorization to do so. I have reached out to each company and they can not provide written proof of a signed application to authorize the running of my credit. <P/><P/>XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX
My name is  XXXX   XXXX   XXXX  and I have a Private Student Loan with Navient. I am   XXXX   XXXX   XXXX   XXXX   XXXX  and have filled out paperwork and have submitted doctors statements, but have been told that I do not even qualifiy for forgiveness. I can barely afford to eat and pay my other bills and have explained this to Navient and tried to work with them, but they refuse to do anything and have continued to call  me three ti mes a day, every single day, even on  Saterdays, Sundays and at night, early in the morning and all different times harassing  me about payments for months on end. They give me no options and I do n't know what to do! I need help. If someone can help me please call at  XXXX  Thank you!
Portfolio Recovery Associates has called us repeatedly this past month ( XXXX 2017 ) about a debt they say I have with XXXX. I have explained to them that I do not have an account with XXXX and they have the wrong person or the wrong information and to stop calling me. I also asked that they send the alleged debt information to me via the USPS. I have not received anything, yet they have continued to call, each call from different telephone numbers and area codes, even after being told to stop calling me over and over again. One day last week, they called three times within one hour from three different telephone numbers. The most recent call was from phone number : XXXX. I have blocked every number they have called from so far, but from reading online complaints against this company, they supposedly use dozens of different numbers to call and harass people. Unfortunately, I did not keep a log of dates or numbers after blocking them, but this is harassment and it needs to stop. Again, I do not owe any debt nor do I have an XXXX account.