WillisBack/dataset-financial-user-claim huggingface dataset:
I spoke to Professional Collection Services on XXXX/XXXX/15 at XXXX XXXX and upon calling I was rudely answered with a " Hello '' and than proceeded to be asked " How I got this number '' I advised the Lady that it was on the letter they sent to me regarding a debt for my wife. She sighed and very rudely asked my account number. The call proceeded speaking about my wifes debt and she never asked who I was, verified any piece of information and disclosed everything to me about my wifes debt not knowing who I was. She than stated that I could not contact the client directly as it was placed with them and they would n't speak to me. The lady was rude and very abrasive when I asked about a Settlement and I told her I did n't appreciated her tone and I would call later and hung up. 
I called back later in the day but Recorded the entire conversation this time. Again they failed to verify who they were speaking to, never gave me their name, their company name. I asked how the settlement was determined and she told me " It does n't matter how we determine it, Im in collections and she does n't even have to give me a Settlement '' I was also informed on my second call we had another account in her office for {$4900.00}, in addition to the {$630.00} debt I was calling about. I asked her about the other debt she said they sent VOD to my address I advised I never received it and would like to dispute and see proof. She got very upset said she would send it again, but that since it was n't on my credit report she was going to Re-Report it to my credit since it is a sizeable debt. 
I have worked in collections for many years as a manager and trainer and this is by far the Worst collection call I have ever heard, countless laws were broken and this agency needs to be reprimanded for their unethical collections.
Good day, Recently i have started to see that 3 credit card accounts opened under my name in United States, however i left United States in XXXX of XXXX, below is recent information from XXXX form which you can also check ( XXXX XXXX XXXX XXXX XXXX ) Most Recent XXXX Results For : XXXX XXXX Most Recent XXXX Admission ( XXXX ) Record Number : XXXX Most Recent Date of Entry : XXXX XX/XX/XXXX Class of Admission : XXXX Admit Until Date : D/S Details provided on the XXXX Information form : Last/Surname : XXXX XXXX XXXX Given ) Name : XXXX Birth Date : XXXX XX/XX/XXXX Passport Number : XXXX Country of Issuance : XXXX
HUNTER WARFIELD XXXX XXXX XXXX XXXX, FL XXXX XX/XX/18 Re : Account # XXXX I have received your attempt of validation of the above mentioned account and have several issues to address with your claim that I owe this ALLEGED debt to your organization. 
First, you have not, by any means, managed to prove to me that I owe this alleged to YOUR organization. You have not provided me with a signature that undoubtedly proves that I have some sort of contractual obligation to pay YOU ( OR provided me with a complete statement of accounting as required by law to be considered full and complete validation ). 
Second, you have also not sufficiently proven to me that I owe this alleged debt to ( Creditor Name Here ) by providing me with a copy of a signature on a contract that I supposedly signed ( OR provided me with a complete statement of accounting as required by law to be considered full and complete validation ). You have merely supplied me with copies of alleged bills on the account in question ( OR contract ). This does not sufficiently prove that there is any legal, contractual obligation between myself, your agency or the creditor. 
If you can not provide me with a copy of MY signature on a contract with ( Creditor Name Here ), I submit to you that this debt is unverified and reporting it to ANY Credit Reporting Repository is a direct violation of theFDCPA. Continuing collection attempts on this account can and WILL be considered harassment under theFDCPA. 
( Optional ) Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to your organization AND to the original creditor. Your answers were rude and insulting and I WILL be sure to report this negative response to theFTCand theXXXX. This was completely uncalled for as I am acting within MY rights under theFDCPAandFCRA. 
I DO NOT have any contractual obligation to pay YOU at this point as you have failed to provide ANY proof of that. A copy of an alleged bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. 
I, again, request that your company PROVE to me, beyond a shadow of a doubt, that I incurred this alleged debt by providing to me a copy of my signature on some type of contract. I also request that your company IMMEDIATELY abide by the rules and regulations of theFDCPAand CEASE all collection attempts on this account, including, but not limited to, removing ANY listing on my credit file that may be damaging to my credit status and verifying this information with the credit bureaus. 
I have enclosed another copy of my validation request, as amended and set forth that you now have 15 days to respond before further action is taken on my part. Please note the changes made within the validation request itself and answer ALL questions accordingly, along with providing the information that I have requested. 
Sincerely XXXX XXXX
I have Wells Fargo Visa Credit card. As per the terms after spending $ XXX within 60/90 days one will get $ YY as the cash rewards. I have {$210.00}. When i tried to redeem it - it 's only letting me redeem in the multiples of {$25.00}. I want to redeem all. Trying to work with Wells Fargo since XX/XX/XXXX regarding this issue. They asked me to reach out to the Rewards Center ( 3rd party ) but they are also not willing to write me a check of {$210.00} and send it to me.
Nowhere it 's mentioned in the card member agreement that rewards can be redeemed only in the multiples of {$25.00}. Moreover other banks and credit cards also does n't follow what Wells is doing.
I was called by the South Carolina Student Loan in XXXX, SC XX/XX/XXXX. The representative name was XXXX. When we talked XX/XX/XXXX, I stated to her that I had a lawyer that was consolidating all of my loans ( private and federal ) no where in the conversation did she state that private loans could not be consolidated. My lawyer had told me prior to me and her talking that private loan companies will tell you that because it is more work to consolidate private loans than federal loans. Nevertheless, when XXXX and I talked, I stated that I would TRY and make a payment on XX/XX/<YYYY> of {$44.00} until my lawyer gets all my consolidation paper done. She said okay and that was the end of the conversation. So today ( XXXX XXXX, 2016 ) XXXX calls again and said that I did n't make a payment on XXXX XXXX and I needed to make a payment today. I told her I did n't have the money to make the payment today and she went in defense mood after that. She became very argumentative. I reminded her that I told her in our previous conversation that all my loans were getting consolidated. She then stated that private loans could not get consolidated and she told me that in the previous conversation over the phone. I said no ma'am you did n't and I even recommended her to pull the phone call because all calls are recorded. She dismiss what I said saying no she told me in the previous conversation about all of that and I needed to make a payment today. Do to the fact that I will not go back and forth with a representative that is suppose to be acting in a professional manner at all times, I then told her I wanted to talk to someone else over her to resolve the issue. At first she told me that her supervisor was not in and I had to wait until they called me back and I did not accept that because I know there is a supervisor over you that is working today. She then put me on hold and transferred me to some one that said he was the vice president. So when he ask me what was wrong I asked did she not tell you but I would be happy to tell you what is going on and why I want to complain and speak with someone else. He interrupted me in the middle of my sentence stated that I was calling him a liar because I said she had told him was the issue was. I said no but he became very argumentative towards me also. When I got a chance to talk I tried telling him what the issue was but he was n't trying to here it he said it was in the notes what she said and I then asked for the call to be pulled because I would like to hear it and he continued to not listen to what I had to say. Now, I it was in the notes why did n't the rep tell me this her self instead of fussing a me telling me she know what she said. He continue to get loud with me stating it was in the notes and I 'm saying no sir it is not. Then he hangs up in my face. I was not asked when could I make the payment nor was the issue taken care of. Not that I 'm not trying to pay, I just recently made a payment on XXXX XXXX of {$130.00} and I was not able to do the other payment that I said would TRY to make. I feel I was not heard on this call and my considerations was not taken in to count.
I purchased a home in XXXX and financed both the XXXX & XXXX loan through same lender. Home was foreclosed in XX/XX/XXXX. It appears lender wrote off any unpaid balance on XXXX lien but sold the XXXX lien to a collection agency that goes by the name of XXXX XXXX XXXX. 

XXXX XXXX XXXX is keeping the XXXX lien on my credit report as active and open loan. There has been no payments since XXXX XXXX. Collection on the debt is barred by the Statute of Limitation in Texas. I want the loan to show as closed and not as an open & active loan.
Equifax and XXXX are reporting a {$93000.00} dollar deb in my credit reports and this is a mistake make by the child support system. After a lengthy proses trough the court systems I was able to correct this problem and the judge finally signed the order to remove the deb. So since XXXX XXXX 2015 my balance is {$0.00}. but this above mentioned credit agencies refuse to remove the information from my credit file despite my efforts to provide copies of the original court orders and XXXX requests to remove it. They just do n't care. Equifax have the information twice on the same report making my XXXX XXXX X XXXX = XXXX this is what creditors see when I apply for credit that I have an outstanding debt of {$180000.00} and this is impairing me from buying a house or a car. 
I am writing the CFPB as my last resource of dealing with this credit agencies. Please help me with this problem. 
Thanks. 
XXXX XXXX
I have tried resolving this matter with the debt collector after learning of this debt after obtaining my credit report. For months I have been going back and forth. I or iginally sent 2 let ters to  XXXX   XXXX  asking them to validate this account listed on my credit report. I asked them to provide me with documentation bearing my signature or a contract that shows what I agreed to or what terms and conditions I signed up for. I am not even sure if the statutue of limitatio ns has expired on this account, if in fact it belongs to me however, with no contract I have no way to be certain. Under FCRA 609 I requested this information and it was not provided. However, the company did provide me with a small printout of one statement that does't look authentic in my opinion. This account is mere hearsay. After no resolution was made between myself and the collection company I reached out to the credit bureaus I was told this account was verified and met FCRA requirements. I asked the CB to provide me with the documentation and or information that was used to validate this debt to date no information has been provided to me. Instead I received a letter stating my claim could not be invesigated because the address listed on my letter did not match my credit file which is a lie I have attached a prinout of my credit report reflecting the address is listed. I will not send any personal financial documentation to a 3rd party company as  I legally do not have to. I provided my social security number. Also after another search this debt collector is not licensed to collect in my state.
We have a Insurance claim with a loss date of XX/XX/2018, where remediation was completed. Now our house is torn up and we finally got the remediation check from the Insurance company. The mortgage company, Flagstar, was put on the check so we call them and asked them how to have it signed off on to get the funds. We were sent a check list and told if under 10,000.00 they would only need the check signed and the Insurance estimate. We overnight this to the mortgage company. There was a few days later the check for the rebuild that exceeded the XXXX, so we got the remaining information they wanted and sent it by priority mail. This was delivered on XX/XX/18 @ XXXX. We have called two times and this last call on XX/XX/18, they are telling us they do not have the information and that it take up to 48 hours to get the information in the system. Note it has been over 48hrs. They will not release any of the money and the manager stated that he will only send an email to see if they can find it. In the mean time we have had our house torn up with the remediation, that was completed over three weeks. The contractor is waiting on getting paid to put our house back together. I have been an XXXX for XXXXyrs and have never heard of any Insured having this much trouble with a mortgage company. We need help to get our house back together. This has been going on for almost 3months and it was not even a natural disaster.
I just wan na start with saying I am upset on how the Bank of America customer service rep treated me over the phone when I called to try to get my {$210.00} back from a charge I never authorized to be made! I hate doing these claims, but when I know I was done wrong I would like my bank to have my back, and best interest! I am old and do n't have a lot of money and live day to day. XXXX took money from my account I did not authorize, and theyou could n't do anything for me, so they told me to call my bank and they should help me, but all I been getting is a runique around. They call me from a claims Center, and I call back no later then 10 min and nobody answers or calls back!! How 's does that work then! I love Bank Of America, and just want them to reimburse me my money plz. By this happening I went negative and my rent is not paid.
Collection Center , Inc. has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I had a line of credit with Cashnet USA with a limit of {$2000.00}. From XX/XX/2018 to XX/XX/2018 I took out advances and made payments on this line of credit. The total of the advances was {$2500.00} with associated fees of {$250.00} and interest {$360.00}. Therefore I owed Cashnet USA a total of {$3100.00}. Over the same period of time I made payments totaling {$3300.00}. Thus I overpaid Cashnet USA {$190.00}. I have requested a refund in the amount of {$190.00}. I called Cashnet USA on XX/XX/2018 and was told that I would be given a detailed summary of my account transactions within 2 business days. On XX/XX/2018 I had an online chat requesting the details since I had not had any confirmation that the request was being processed from my XX/XX/2018 phone call. I received an email on XX/XX/18 that I would receive the information requested within 5 business days. On XX/XX/2018 I requested an update on the request via email. I received the breakdown report later that day on XX/XX/2018 from XXXX XXXX. The last three payments on the report stated the following : " On XX/XX/2018 we received a payment in the amount of {$400.00} On XX/XX/2018 we received a payment in the amount of {$600.00} On XX/XX/2018 we received a payment in the amount of {$170.00} '' All other payments on the report during the time period XX/XX/2018 to XX/XX/2018 were broken down in detail showing how much went towards fees, interest, and principal. '' On XX/XX/2018 I requested detail on the last three payments. On XX/XX/2018 I received a new report stating that the payments received on XX/XX/18 and XX/XX/2018 were applied to principal. I did not have a balance due to Cashnet on XX/XX/2018. I tried three times to get resolution over the phone on XX/XX/2018 ( I was told once by a representative that there were hidden fees and interest, the second call was disconnected when I asked to speak to a manager, the third call told me that this request was escalated to a manager however there was not a manager to speak to at that time ). On XX/XX/2018 I called the collection department of Cashnet hoping that a manager would be present, I spoke to XXXX. She was great and told me she would investigate and call me back. She did call me later on XX/XX/2018 and told me that I have overpaid and possibly it was more than {$190.00}. The lack of clarity on how my payments were applied and the conflicting statements stating I did not have a balance but still owed payments are very troubling to me as a consumer.
There are tax liens on my credit reports that have been paid, released, and dismissed. The records are reference numbers : XXXX for {$710.00} XXXX for {$780.00} XXXX for {$1500.00} XXXX for {$37000.00}
I contacted Cash Central via Telephone Calls, Emails to let them know that I needed to close my account and send the payment through US Mail. On XXXX XXXX, 2017 I sent Cash Central a Money Order in the amount of {$150.00}. Then again on XXXX XXXX, 2017 purchased another Postal Money Order & mailed this payment in, leaving me with a XXXX  Balance. I PAID in FULL my balance from a loan this year. I received a call from a Collection Agency and I informed him, my account with Cash Central had been PAID IN FULL. I am ill & do not feel/believe it is my job to work for Cash Central nor the Collections company! Cash Central is saying I have two accounts an OLD ACCOUNT Dismissed thru Chapter XXXX Bankruptcy! No I only owed & paid for the account from Cash Central for {$300.00}. Now they want me to call around & repair what they did by selling my account to a Collections Agency. I had arrangements as I spoke with Reps. XXXX. XXXX, XXXX on XXXX XXXX, 2017 ; Again XXXX XXXX, 2017 & XXXX XXXX, 2017. I sent both Money Orders as agreed upon. I was told to send it to : Cash Central, XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. Acct. # XXXX - Spoke with XXXX. This is another address given to me over the phone : XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX. PLS. take care of this as I am ill & I do not need this Stress over the reps abusing/disrespecting me as a Consumer. Do you have a great Attorney that would be interested in suing Cash Central?
I am a victim of identity theft. The following credit hard inquiries listed on my XXXX, Experian and XXXX XXXX credit report are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, I never applied for credit with the above creditors. The credit hard inquiries are all fraudulent and unauthorized.
XX/XX/XXXX/XX/XX/2016 Costco switched its credit card provider from XXXX XXXX to Citibank. As a XXXX member with a Costco XXXX XXXX, my credit card balance was transferred to a Citibank Visa card, and a Citibank Visa card account was opened in my name, without my authorization. I was not informed of the balance transfer until approximately two months after the change took effect. I was charged interest on an outstanding balance and a late payment fee. I requested a statement from Citibank to that I could see the itemized charges and dispute the late fees and interest charges since I was never informed of the change and therefore was completely unaware of the outstanding balance. Citibank never sent me a statement. Instead, they have called me 3-5 times a day, every day, during the night and during the day. Often at inconvenient times. I 've paid the outstanding balance in order to stop the constant harassment, but I 'd like to file a complaint to convey my frustration with this entire situation.
Amex ( American Express ) and XXXX terminated their relationship. Amex sent out confusing information about the termination because Amex failed to differentiate " rewards '' ( which would be transferred ) and " membership rewards '' ( which can not be transferred. ). Amex unilaterally terminated the program and stole thousands of membership reward points from its credit card holders. Amex could have done any of the following 1. Continue the credit card and points without XXXX. 
2. Continue the membership reward points. 
3. Converted them to a debit card 4. Sent a check. 
They chose to defraud its card holders by arbitrarily cancelling the membership reward points after XXXX XXXX, 2016. I spoke to XXXX in XXXX ID # XXXX and her boss XXXX refused to talk to me.
This communique is in regards to my Wells Fargo account. During the weekend, I paid XXXX and XXXX approximately for 2 college transcripts. It was deducted from my account. On Monday, Wells Fargo added about {$19.00} to my account. In other words, they reversed these transactions without my permission. Note I never went to either website and cancelled my orders. 

Then, the next day they deducted it again making me to believe I had a different balance than what I did. Since that time, they have removed the reversal from my account screen so I can't see it. This action is some type of scam. 

I received some type of email that my account went into overdraft, and it should not have. Wells Fargo allegedly moved {$25.00}. I moved {$22.00}. 

Somehow, my account ended up in the negative, and it should not have. I didn't make large purchases. Only small purchases from XXXX XXXX and XXXX. I checked my account numerous times to avoid overspending. 

They are the cause of my account going XXXX.
My daughter attended what used to be XXXX and graduated. I took out Parent Plus Loans to pay for her education, with the intention that she would take out a loan after graduation, pay back the PPLs but that never happened. She got married, had XXXX children and I became XXXX enough that I could n't do my former job. In addition, I 'm now XXXX years old and would be hard pressed to resume work. I 've had XXXX and I 'm very XXXX. I have had many interactions with XXXX/Navigant with quite a bit of pleading on my part to put me on Income Based Replacement or Income Contingent Loans. I have applied for both of these but have been refused and given only the option of forbearance, which as you probably know, puts you out of jeopardy with your creditors but the interest continues to accrue. My original loan that was under {$100000.00} has now blossomed into a loan well over {$200000.00}. I think about this every single day. It has put a strain on my marriage, my credit, my relationship with my daughter and ultimately, my ongoing health issues. Please help me and all of the folks in a similar situation. We are all desperate.
I received a copy of my credit file and discovered this account on there stating that I owed them {$160.00}. I have no knowledge of this account. We have no contract.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX   My employer is XXXX XXXX XXXX ( XXXX  ) I found addresses that do not belong to me on my credit report please remove the following:XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX   , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX  I have included my ID ans SS info for proof of address.