WillisBack/dataset-financial-user-claim huggingface dataset:
I received a phone call and voicemail at XXXX XXXX Central Time from ( XXXX ) XXXX. The message was from Creditors Bureau Associates in XXXX, Georgia. When I returned the call, XXXX answered, requested my phone number, asked me to verify my first and last name, once I verified, she then requested my Date of Birth to verify my identity. I stated that I was not comfortable providing personally identifiable information over the phone to include date of birth or social security number for a call or service I did not initiate. She stated she could not provide information regarding the debt without me verifying my identity or it would be a violation of HIPAA laws. I am not aware of any outstanding bill or debt to any company, service or healthcare provider prior to receiving this call. I intend to file complaint to the company that forwarded my information to debt collections without contacting me first once I learn what company initiated it.
We are a third party firm contracted by the borrowers towards getting a short sale of their home completed. Midland Credit Management , Inc is a junior lien holder of approximately  {$10000.00} in debt from the borrowers. We have made repeated attempts to get them to accept less than the full amount due in order to get the short sale closed and completed, specifically because if the property goes into foreclosure they will not receive anything. 

We have asked for a partial settlement, thereby releasing the lien on the property and even having them not waive the remainder of the deficiency to complete more debt collection offers and they are not allowing this.
I have a secured credit card through First Progress. I deposited {$400.00} with them so I have a credit limit of {$400.00} with a balance of {$340.00}. That means I had available balance of {$55.00}. I sent XXXX check on XXXX/XXXX/16 in the amount of {$50.00} then proceed to send a XXXX check in the amount of {$400.00} on XXXX/XXXX/16 to over pay my credit card. First Progress received the money for the XXXX check and took the money out of my account and posted it. That means I should have a negative balance of about - {$100.00}. They then proceed to tell me that I have an available balance of {$0.00}. They told me I have to wait 10 days to use my card again because I over paid it. My money is being held hostage and they take my money but will not allow me to use it. They are holding my funds while being in good standing and paying my credit balance before the due date while always paying more than the minimum every month.
I keep getting threatening call from XXXX ( XXXX XXXX XXXX ) Mediation Company, claiming that they are going to call my employer and get me fire, freeze my bank accounts and send a cop to my home to arrest me for some bad debt from 2012. 

They claim that they are filling a law suit in XXXX, New York and New Jersey and this will affect my employment. 

I asked them to stop calling me repeatedly and they keep robo calling me with the same message and when I do speak to someone they are very nasty on the phone. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX
allegedIn XX/XX/XXXX I contacted Portfolio Recovery Associates ( PRA ), in regards to XXXX ( XXXX ) accounts they report to the credit reporting agencies ( CRAs ). Communications were sent certified mail and PRA accepted the three letters XX/XX/XXXX. In those communications I asked for validation ( with my signature ) that the debts belong to me, that a contract exists between myself and PRA that obligates me to them OR a contract between the creditor and PRA assigning the alleged debts to PRA. PRA responded by sending a copy of a credit card statement. I responded back on XX/XX/XXXX clarifying my request asking again for evidence that PRA has been assigned or owns this debt and that there is a contractual obligation between PRA and myself. Again a received a copy of a credit card statement. Certified letters were sent in XX/XX/XXXX and XX/XX/XXXX as well. No validation of debt bearing my signature, no evidence that I have an obligation to pay them. Upon further review of my credit files I saw that PRA was furnishing data to the CRAs that did n't even coincide with the credit card statements they had provided. Specifically, the date of first delinquencies did not match, the account was reporting as a factoring data account ( I do n't have an account with PRA ), they show terms as 1 month- again no account exists between myself and PRA XXXX the last payment amount is not provided and the last payment dates are not provided. I disputed with the CRAs asking that the inaccurate information be validated, corrected or removed. PRA again sent a copies of credit card statements and they indicated in their XXXX response that they will no longer respond to my inquiries. It seems that they are in violation of the FDCPA and the CRAs in violation of the FCRA and now no one will respond to my concerns. Then, shortly after receiving PRAs response in XXXX, I received multiple alerts from my credit monitoring service alerting me that new collections accounts had been added. PRA removed the XXXX accounts from my credit files between XX/XX/XXXX and XX/XX/XXXX and added them back within that same time frame. This was repeated again between XX/XX/XXXX and XX/XX/XXXX They have willfully and in direct violation of FDCPA and the FCRA re-aged my account. Now these accounts are falsely reported as " new '' collections and have dramatically impacted my credit score causing me significant financial & emotional burdens. I have in good faith reached out to PRA to try understand and resolve these issues and they have repeatedly chosen to ignore my specific requests, when they have responded it 's been with stall tactics that appear to be harassment, and they have retaliated to my continued communications with an unethical and illegal action of re-aging my accounts.
Debt collector " IC Systems '' sent a letter dated XXXX XXXX, 2017 notifying my daughter XXXX XXXX that she owes {$93.00} on a medical bill. IC Systems is collecting on behalf of XXXX XXXX. XXXX left XXXX XXXX 2017 to XXXX for 18 months and is out of state. 

ON XXXX XXXX, 2017 I called XXXX XXXX and confirmed that the debt had been paid. I then called IC Systems. 
I was very concerned that while XXXX was gone for 18 months that her credit remained in good standing. I told the representative that I was inquiring about why they sent the letter. The representative told me that if I was n't XXXX they could n't tell me anything. I told her that I was XXXX 's father and her legal representative while she was out of state on a 18 month XXXX. The representative became hostile and rude, and insisted that even though I was acting in good faith and was XXXX 's legal representative, she could not confirm the debt collection information or reassure me that the debt had indeed be paid off according to the Doctor 's office. I told her that I thought her actions were not right and that if her company sends a debt collection notice, when the legal representative calls to inquire, the debt collection agency has an obligation to confirm the debt amount, if owing. She insisted she could not, I told her I would then call the FTC and file a complaint. She said " Go ahead ''.
Violations of public policy have occurred in operation of this account. 
Information regarding all loans is reported inaccurrate. 

Total Loan Amount Original Terms and rate option Original signed contract from origination year XXXX to current year XXXX require immediate Validation. 

Lawful Request.
I am a recent graduate of an XXXX and have currently begun working within my field. Accepting a position in my field resulted in a financial gap in my salary ( I took a 40 % pay-cut from my last office job ). Upon contacting my private student loan provider I alerted them of my financial change and requested other payment options. They refused to work with me in order to find a suitable repayment plan. 
I have been paying back my private loans since I was in college, never missing a payment, and their only solution to my financial situation was to allow my private loan debt to go to collections. I refuse to accept that they are unwilling to extend the term of my loans, making payments affordable for me. I understand fully that I am responsible for paying back my student loan debt and I am not trying to justify not paying what I borrowed. I am simply making a minimal ( entry-level ) salary and am need assistance on repayment plans. If my private student loans provider extended the term of my loans, my payment would become affordable. They have refused to do so because my total debt is {$2000.00} less than the acceptable amount of debt a borrower needs to extend payment terms. 

I graduated XXXX year ago, and am finally perusing the career I dreamed of in college. Now my student loan providers have suggested I quit this job in order to work at a XXXX so I can make ends meet on an unfairly large monthly student loan payment. They are making it impossible for me to continue working in the field, that I went to school for in the first place, in order to obtain a higher paying job to pay them back ( at 10 % ) for the education I will not be utilizing. 

I ca n't believe that any student loan provider would refuse to give their borrowers alternative payment plans. I am simply looking for accommodation for entry-level salary borrowers that is fair.
Continuation of CFPB complaint # XXXXDebt is over 15 years old. I received a call from XXXX who stated he is going to file a law suit against me for {$6000.00} that he claims I owe US BANK will file suit in XXXX XXXX Maryland. He stated I signed something extending the collection date ( I did n't sign anything ). His number is XXXX. I DO NOT OWE ANYTHING TO US BANK AND I AM BEING HARRASSED BY THIS DEBT COLLECTOR!!!
Tower Loan the memories of this company is vague. However, I recall getting a loan from this company back in XXXX I believe. It was on behalf of merchandise that they financed. Well, I paid my bill and made payments on time. well, one day I received a phone call that the company had terminated a young lady that was employed with the company, but was stealing. She was taken payments from the customers but were n't actually posting the payments to the customer account. I informed the person that I was speaking with that my account was paid in full and that I did n't owe any debt. This is XXXX so since XXXX I do not currently have any receipts to back up anything that I am stating at this point. I do not neglect in paying any of my bills and I never have. This company is constanly pulling a hard inquiry on my credit report without my permission and calling me on my job making threat and calling my home upsetting my mother that is ill. If I owe this debt I would pay it, but I do not owe anything to this company. At XXXX point I made a payment or XXXX until I realizes I am making a payment on a debt that is no longer my debt. I asked for receipt, but was told I could not get XXXX until all payments was paid in full.
I have a joint account with my nephew at the Bank of America in CT. My nephew has a joint account with his brother also at the Bank of America at the same  location. 

On or about XXXX XXXX, XXXX, my nephews went to the Bank of America to close their account. Bank of America personnel mistakenly wrote the withdrawal slip using my account number and passed the withdrawal slip to my nephew to sign. He did so without verifying the account number on the slip. As a result, XXXX XXXX XXXX XXXX XXXX DOLLARS AND XXXX CENTS ( {$8900.00} ), was mistakenly taken out of my account. 

I had been on vacation. When I returned and saw the withdrawal on my bank statement, I went to the Bank of America on or about XXXX XXXX, XXXX. They explained that the Bank of America had found their mistake of taking the money out of my account to close the joint account my nephews had together, and added that they had credited the amount taken out. On closer inspection, I noticed that the entire withdrawal had not been credited. The Bank of America had shorted me XXXX DOLLARS AND XXXX CENTS ( {$93.00} ). I asked for the Bank of America to make me whole, including interest. I told them I realized that all human beings make mistakes, but that I felt that the Bank of America should make me whole. The lady I spoke to said that she was going to put in a report for investigation. 

On or about XXXX XXXX, XXXX, a man from the Bank of America called to verity the information I had given the bank. He later called me back and told me that I should contact my nephew to get the {$93.00} from him. I disagreed and voiced my dissatisfaction with the decision made by the Bank of America. 

I understand that my nephew signed the withdrawal slip written out by Bank of America personnel without verifying the account number. However, once the Bank of America realized that the wrong account number had been targeted for closure and accessed withdrawing a substantial amount of money from this account, the Bank of America should not have penalized my account, by keeping {$93.00} and returning the rest. I have no understanding and no knowledge of what the Bank of America did with the {$93.00}. My nephews went to the Bank of America to close their account whose number I am not privy to. And, as far as I know, no one has given the Bank of America permission to withdraw and use money from my account for any purpose connected with my nephews ' account. 

I am asking to be made whole by the Bank of America and that my account be fully restored.
A claim in the amount of XXXX was reversed out of my account ending in XXXX on XX/XX/XXXX, causing it to become overdrawn the amount of XXXX. This is an ATM debit claim from XXXX XXXX XXXX. Prior to this, a close out check in the amount of XXXX was mailed out on XX/XX/XXXX, received in XX/XX/XXXX. A stop payment was placed on it, unknown to me, which caused my XXXX account to become overdrawn and a total of 14 overdraft fees assessed in the amount of XXXX each plus a returned check fee in the amount of XXXX. The total amount of fees is XXXX, XXXX will not refund these as it is not their error, Capital One will have to refund. A replacement check was sent out on XX/XX/XXXX, the day I left for vacation, I left for XXXX XXXX from XX/XX/XXXX to XXXX. It appears someone intercepted this check, forged my name and cashed it. A manager by the name of XXXX gave information on the person whom signed and cashed it, a XXXX XXXX using a XXXX XXXX XXXX. I do not know this person and am not familiar with this bank. I've been calling Capital One since XXXX, attempting to get a resolution for missing funds and fees owed to me, nothing resolved to date. I have a name of a contact, XXXX XXXX, I've left a total of seven ( 7 ) messages for her to date. According to her reply to a prior CFPB complaint, she can not or will not return calls while complaints are in process. She has not returned calls even after prior complaints closed out, it appears she simply will not return calls. I've contacted an attorney about this matter, was advised that I should file suit. Based on tort law, if Capital One had not placed stop payment in error, the overdraft fees would not have occurred as well as returned check fee. The second replacement check would not be necessary, which was cashed fraudulently. The account is now over drawn XXXX as mentioned prior, Capital One can deduct this amount from my claim in the amount of XXXX which includes fees in the amount of XXXX plus check amount of XXXX. After all is said and done, the total due to me is XXXX.
I have tried to deal with Navient several times asking them to to stop pushing their required amount they want me to pay every month which is around 400 dollars - I have expressed to them that I can not afford to pay that much - I have been sending in payments of XXXX dollars online and they are harassing me with emails stating they are going to send me to collections - they are unwilling to communicate back to via email and want me to call them - I am not going to because I was harassed by one of the representatives that are beyond pushy and try to force you into a very expensive payment plan- I need help from the CFPb to step in a help me keep my payments of XXXX dollars without Navient harassing to pay more that I can not afford and not to mess with my credit- I also have records of payments I have made - I also never agreed to pay they required payment amount
Around XX/XX/XXXX I applied for a Home Modification Loan through Nationstar aka Mr. Cooper and it would go until XXXX. I paid every month on time. It reduced my monthly payment considerably. Well before XXXX ended I called Nationstar to see what options I had after XXXX was over and they told me that they were going to submit me again for another modification loan. Well I waited and waited and called and called. I finally found out that the second loan modification was denied and I needed to pay {$28000.00} or go into foreclosure. I asked if there was anything they could do and one representative mentioned doing another loan modification. I told him they just submitted one and it was denied. He said well we can try again. I asked if he needed anything from me like check stubs or bank statements and he said no just like the previous time that I was denied. This came back at the beginning of XX/XX/XXXX as denied also and now the amount to reinstate and keep my house is {$33000.00}. I even asked if they could tack it on the loan. They said no and my monthly rate has gone up now from {$2100.00} to {$2200.00}. I have written to XXXX XXXX, CEO and he hasn't responded yet. This just doesn't sound legit to put someone in a home modification loan and then ask for the full balance when the modification is over. Not giving me any time to pay. I have been told that I can't pay payments unless its the full sum of what I owe from the entire year of XXXX. The Loan Modification was {$620.00} a month and I found out they were holding that in an account until during the loan they collected {$2100.00} and then they would apply that toward the loan so during the entire Mod I essentially only made 1 full payment and that is why I owe {$33000.00} for payments, late fees and attorney 's fees.
AR resources continue to verify a debt that they have yet to validate which is a violation of the FCRA. I ' requesting your assistance is getting this matter resolved fairly and swiftly.
Dear Sir/Madam, I used my Bank of America ( BOA ) Credit card bought one AC through XXXX website in XX/XX/XXXX. But I was charged 3 time for this same transaction, the amount was {$270.00}. I called back and XXXX gave me one refund and told me the other one should be given back to me from BOA. After called BOA, BOA gave me one refund. I thought the case was over. Later BOA sent me a letter asking me to check if this is a duplicated refund BOA would take it back. My understanding was that the investigation was still going on and if BOA found this was a duplicated refund, BOA would take it back. After i sent back the letter, BOA took back the refund they gave me, and told me that i confirmed the refund was a duplicated one with that XXXX gave me. This was not correct at all, since i still paid 2 time for one device. I contacted BOA credit card claim department many times, but they refused to correct the error. The reasons they gave me changed each time i called them. For example, they said that the dispute was expired, or that i had signed and confirmed the refund was a duplicated one, or asked me to contact the XXXX. 

I have been asking is just to correct the errors and refund me the duplicated charge made by BOA visa. It is not something extra. My request is fair and reasonable! The Visa company should treat customers honestly and fairly! 

We are very disappointed with the BOA visa service about this problem. I can not believe a big company like BOA Visa card can made such errors and even if they knew that the error was there, they refuse to correct the error! BOA Visa service should correct the errors made on my credit card charge. 

Thanks for your attention and hope yo can help me to resolve the problem. 

Sincerely, XXXX XXXX
XXXX   is reporting  XXXX  negative amounts that are al l 7years o r more old.   I have spoken with them in prior months and they verbally agreed to remove them from my report to this date they have still not been removed. These accounts are as follow   XXXX    XXXX   XXXX   ... .30 day  late  XXXX   XXXX   XXXX  ... ... ...  ..30 day la te  XXXX  C  XXXX   XXXX   ... ...    Collection   XXXX  ... I have no idea who this company represents  XXXX   XXXX   ...  ... ... ... .Collection ... .rep  XXXX   XXXX    XXXX   XXXX   XXXX   who admits that the collection came to them with NO MONEY owed attached to it ... yet he claims that he is unable to remove it nor can he   XXXX    XXXX   XXXX   XXXX  and ask why he was sent my information  XXXX   XXXX   XXXX   XXXX  XXXX  XXXX
At approximately XXXX XX/XX/2018 I recived an email from XXXX XXXX regarding Hard Credit Inquiry for something labeled as " XXXX/XXXX ''. I did not apply for any credit recently and I am confident that this is fraudulent activity. 
I attempted to dispute the Hard Inquiry online with XXXX but they did not have an option to dispute a hard inquire. I need to do what I can to dispute the Inquire, it is negatively affecting my credit and I'm concerned over further fraudulent activity. I would like an investigation so I can take proper measures to insure my credits safety and security. 

Thank You
Debt collector calling me about a payment from XXXX that I do not owe. Every time I ask tell them that XXXX has never contacted me XXXX telling me I owe a dime. I have received nothing in writing from XXXX. I keep telling them that I need it in writing from XXXX before I even think about giving them one cent. This company calls me every single day with the same " This will be put on your credit score if you do not pay ''. I looked up some reviews of this company and TONS of people are having this problem. XXXX has even said they have nothing to do with them and does not use them for debt collection.
I have made 3 separate attempts to request modification of my adjustable rate mortgage loan, that keeps going up. I am struggling to make the payments and Chase has refused to help or support me in any efforts. The adjustable rate continues to rise and Chase has no concern to help me in this matter. Once again, I have requested loan modification 3 separate times. As a XXXX I feel that Chase is taking advantage of me as a predatory lender. I have never missed a payment nor have I ever been late, but I am struggling and I fear that I may lose my home and go into unfair debt. I request that Chase immediately place me on a lower fixed rate. On todays date, I spoke with Chase employee XXXX XXXX with the Chase XXXX service department.
I am receiving repeated automated calls from a company called True North on my landline answering machine. The number is XXXX. I called once and the agent asked from personal private information, which I did not give. When I offered to give the phone number that I have been receiving calls, the agent hung up on me. I stopped receiving calls for about two weeks and am now receiving calls, again.