WillisBack/dataset-financial-user-claim huggingface dataset:
I mailed a written dispute to Equifax on XX/XX/17 to remove a XXXX XXXX XXXX account from my credit report that is not mine. To this date, I have not received a proper response to my claim and this account is still being reported to my credit. According to my report, it has an account number of # XXXX with a debt of {$8400.00}. The reason I am filing this complaint is because I have already spoken to this collection company in the past and they can not pull up any records that match my personal information. In addition, this account is only being reported by Equifax to my credit. It is not being reported by XXXX or XXXX which is another reason to believe that Equifax is reporting someone else 's account on my credit. I am attaching a screenshot of a recent report that shows this fact.
Capital Management Services has called me over a dozen times saying that they are trying to collect debt from me. I have no known debt what-so-ever and I checked my credit report and I have ZERO debt. Very confused as to why they continually call me. I have not answered and I do not plan to answer until they provide me with a letter or proof of said debt.
As a XXXX person in Texas, the least interaction with governments we can get by the better, as reports have it that we latinos are targeted unfairly for our hidden taxes disguised as fines for myriad reasons. 

A case in point is a collection agency targeting and harrassing my family with no end. Said municipal collection agency has received responses for me to stop sending collection notices as the charges relate to someone else. No matter! The collection charges have kept coming and every time they put stress on my family and create undue anxieties. Escalating this issue, we have contacted the City of XXXX which is the source of the alledged fines. The City of XXXX reportedly took care of it, but the charges just keep arriving in my family mailbox. 

We have exhausted every recourse we have, but our over-one-year efforts have been fruitless. 

Please CFPB, you are the last recourse we have in fighting the onslaught of phony charges that minorities are exposed to, and have no recourse to remediate at the local level. Thanks.
On XX/XX/XXXX, I visited XXXX XXXX XXXX XXXX for an office visit with one of their surgeons. I provided them with my primary insurance card, and for my secondary insurance which was XXXX, I provided them with my Social Security number. I had not yet received my XXXX card, but was in their system. They were able to confirm that I had both insurances, and that I owed nothing upon checkout. 

In XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me a bill for {$560.00}. Please note that XXXX XXXX XXXX XXXX is a XXXX provider, and I am a XXXX   beneficiary. It is ILLEGAL to bill a XXXX beneficiary. 

On XX/XX/XXXX, I sent a certified letter to the provider warning him that if he continues to bill me again, he will get in big trouble. His office received my certified letter and signed the signature card on XX/XX/XXXX. Instead of billing XXXX the difference of what was owed after my primary insurance didn't pay, they had the audacity to play with fire. They continued to bill me for another year and a half. 

I have complained to XXXX and they are still investigating XXXX XXXX  XXXX XXXX. Any day now, XXXX XXXX and XXXX XXXX XXXX XXXX will get arrested. I don't worry about that part. The issue is that XXXX XXXX XXXX XXXX had the audacity to send the bill to XXXX XXXX with an interest of {$73.00}, and threatened to ruin my credit. I received a bill just this month. 

XXXX XXXX XXXX XXXX needs a wake up call. This is not OK. This is not my debt. They should have billed XXXX, because that was their job. Not mine. 

Attached, please find the XXXX codes they have violated.
The Northland Group on behalf of XXXX continues to call. When I miss their call I call them back and they ask me to verify my address. Every address I give them does not match up so they will not give me any information on what is going on. This either fraud or a scam. This is effect my credit score any they are refusing to give me information because I my address is no the address they have on file and has never been a place I have ever lived. I can validate XXXX and any other identifying information. They are withholding information from because lack of knowledge of an address I have never lived at.
Wells Fargo Mortgage has failed to provide one point of contact to assist in resolving issues. There is at least one cleared payment that has never been recorded for primary mortgage XXXX, now changed to acc. # XXXX. Documentation was presented to prior representative that responded to my prior complaint with the CFPB. Repeated requests to correct and credit this payment and additional fees have failed. In addition, XXXX mortgage account # XXXX, now changed to acct. # XXXX, is not properly applying my payments. According to XX/XX/XXXX statement, payment dated XX/XX/XXXX is being held as " unapplied '' ; the balance does not reflect the payment. This misapplied payment on the account, formerly # XXXX, is repeating the previous situation where all payments were misapplied during XX/XX/XXXX/XX/XX/XXXX. There is no reason or excuse for not applying payments received.
Midland Credit Management contacted me at my place of employment before XXXX on Thursday XX/XX/XXXX and hung up. I called them back and they refused to tell me what the issue was unless I gave out my personal information which is a second violation of the Fair Debt Collections Practices Act.
XXXX XXXX, XXXX is attempting to collect a debt in the amount of XXXX without validation. I received a bill that I have no knowledge of. I believe this could be identity fraud. 

I decided to go and do research through the secretary of state ( Texas ) as of XX/XX/2018 ( XXXX XXXX ) XXXX XXXX does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
I was n't able to pay a private student loan I got over ten years ago in Missouri ( MOHELA ). Eventually, a judgment was taken out against me. I have finally graduated from college and would be able to pay a reasonable amount per month, but the exorbitant attorney 's fees and 10 % interest on the judgment are keeping me from basically ever being able to pay off this loan. Also, the attorney will not give me information about how to pay electronically, is not agreeing to the payment arrangement I proposed, and now is trying to make my father pay -- he has even less money than I do.
I have asked this collection company not to call my cell phone on an auto-dialer and they continue several times a day. I 've asked for a validation notice to be sent to my address. On XXXX/XXXX/16, I requested the representative remove my cell phone from the dialer ( 2nd request ) and send me a validation letter. She confirmed my address and told me the system would generate a letter. I agreed to mail in my payments ( due to the exorbitant credit card fee they quoted for phone payments ). 

Today I received the 30+ call from the dialer on my cell phone with a rude woman who first basically called me a liar because she refused to check the notes then refused to send me a validation notice. She told me my option was to set up secured payment. 

XXXX XXXX XXXX can not confirm this company represents them or is trying to collect on my debt. 

At this point I request a cease and desist from this collection company and will only deal with XXXX XXXX directly. I want confirmation this is documented on my account and there will be no more calls. 

This company is why collection agencies get a bad name.
On XXXX XXXX, XXXX, I financed a used XXXX XXXX XXXX through the XXXX XXXX XXXX XXXX. The cost of the car after negotiation was {$25000.00} ; I put down {$10000.00} which brought the car down to {$XXXX XXXX. The payments of {$340.00} for 48 months began of XXXX XXXX, XXXX with the final payment due on XXXX XXXX, XXXX. After receiving a solicitation from Pentagon Federal Credit Union for a refinance rate of 1.99 % I decided to take the promotion. I contacted PenFed and was told that they would payoff the loan for {$6900.00}. I received the check from of {$6900.00} from PenFed and endorsed it over to a loan officer at XXXX XXXX XXXX XXXX. Communication with a loan officer at PenFed was that the the new loan would be about {$200.00} maybe a little more for 24 months. I agreed to this loan amount and faxed an aceptance back. I never received any documents but received a coupon book and through an oversight on my part began making payments. It was not until I completed making 36 monthly payments that I realized I had been scammed. I could not locate any loan agreements and promptly notified PenFed. This is where my experience began with PenFed and my letter of XXXX XXXX, XXXX supports my actions. Instead of PenFed taking responsibility for this practice It escalated with fraudulent documents, checks and unbelievable deception. I have attached all communication, from me to PenFed and from PenFed to me. PenFed claims that I financed {$15000.00} with the XXXX XXXX XXXX XXXX, I then turned around and financed {$16000.00} with PenFed for the same XXXX XXXX XXXX. PenFed claims that a check for {$9200.00} was issued to me and placed into a share draft account. PenFed then states that the {$9200.00} was used to payoff the mercedes. PenFed then claims that XXXX and XXXX XXXX was issued a check for {$11000.00} and produced a promissory note to go with the others that were created. PenFed claims that the {$11000.00} was used to payoff a XXXX XXXX. This XXXX belongs to XXXX XXXX and was paid off in XXXX. PenFed trips themselves up by claiming that the {$11000.00} and the {$9200.00} XXXX went to payoff the XXXX XXXX. The payoff notices from XXXX of XXXX XXXX, XXXX and follow-up on XXXX XXXX, XXXX proves beyond a shadow of a doubt that XXXX and XXXX XXXX have been defrauded and scammed. In my complaint of XXXX we did not have these documents. These documents from XXXX Bank clearly refutes any claim that PenFed could possibly make. Since my complaint XXXX others have been found who have had similar experiences. None of their experiences are as blatant as the experience of XXXX and XXXX XXXX. I will give PenFed the opportunity to satisfy my damages in an expedited time-frame. All supporting documents have been attached. Thank you. XXXX XXXX XXXX
My complaint is with Synchrony Financial. My payment due date is the XXXX of each month. During XXXX, I made a payment on XXXX XXXX, for my XXXX XXXX payment and I made another payment on XXXX XXXX for my XXXX XXXX due date payment. I went online to pay my XXXX XXXX payment and Synchrony had charged me a {$25.00} late fee. I called and they did not want to take off the late fee because they said that my payment was late for XXXX because I did not make a payment until XXXX XXXX. So, if I had not pressed they would have pushed me to pay them the late fee. This is not right. I was not XXXX of your creditors that only pays the minimum. My payment were XXXX the minimum payment. 
This should be illegal. They would have continued and increased my principal amount with the late fee if I had not pushed for the removal.
Ive been working with a company called XXXX XXXX help, which a debt settlement company. Ive been working with them to consolidate my payday loan debt. They contacted Bridge Le dong Solutions as this is one of my lenders. They let them know that I was working with them and that any communication needed to go through them. The problem is, that they continue to call me, send me letters and have been contact my family. I contacted XXXX XXXX about this and they stated they have reached out to Bridge Lending Solutions and they agreed to settle my debt. They recommended for me to file this complaint.
Kirkland Management XXXX, CASE # XXXX called my daughter 's in-laws asking where I was and complaining about a debt they stated I owed-my telephone number is listed and I live in XXXX-they called the above in XXXX in an attempt to discredit and embarrass me with my family-in addition, discussing private information with parties not associated with the alleged debt.
I have submitted information and spoke to managers @ Equifax and they continue to deny or ignore my requests. They have failed to provide me with proof that XXXX XXXX XXXX is the person that authorized the inquiries.
I called company and set up payment arrangements on past due amount, It was agreed that I would make payment to catch up and continue service. account still sent to collections without call. I receive notice from dept collector and I would like to look into this company license to collect in state of Florida as of my statement date, because according to what I have looked up they have no information for XXXX on Florida secretary website. I made payment arrangements with company in XXXX of XX/XX/XXXXso my account should not have went to collections at all this fast before I can honor the arrangement, so why am I getting a statement dated XX/XX/XXXX, when did my account go into collections and why was I able to make payment arrangements with the original company to continue my service if this was the case? Is this agency able to collect in Florida as of XX/XX/XXXX? I would like someone to look into this.
In XX/XX/XXXX I cosigned for my partner on a vehicle and leased with XXXX XXXX ( XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ) In XX/XX/XXXX My partner filed for Bankruptcy Chapter XXXX and a few items including the vehicle were added to be continously paid off every month under 1 fee. 
These fees are still being paid every month on time. 
In XX/XX/XXXX I conducted a credit check and found a negative account with XXXX XXXX and quickly disputed it with all 3 credit bureaus. I check my credit history and score again in XX/XX/XXXX and still found XXXX XXXX reporting non payment, a second dispute was submitted to the credit bureaus along with the bankruptcy information. 1 month later I was sent a letter basically stating that nothing could be done since the financial company continues to report non payment. At this point my credit score had suffered dramatically and continues to do so. 
I sent a letter to XXXX XXXX disputing the negative account and submitted the Chapter XXXX Bankrupcy forms that clearly shows the current payments still being made on the vehicle. I have yet heard anything from anyone. 
Today, XX/XX/XXXX, I check my credit and found the matter still has n't been resolved. I have found no resolution with the 3 Credit Beaureaus nor with XXXX XXXX. I do n't know what else I can do, Please Help
DIVERSIFIED CONSULTANT place a debt collection on my credit report without giving me any notice, nor trying to get in contact with me.
Private Loan PAST DUE {$1600.00} Since  XXXX    XXXX   I have struggled with making payments of {$210.00} to Navient due to financial hardship. I became unemployed  XXXX    XXXX   when a teaching contract ended and started working as a substitute teacher making half the amount I was previously {$1100.00} a month. I tried to get certification as a regular teacher and failed so there was no pay increase. Left over unemployment checks and forgoing some other bills enabled me to pay up until  XXXX    XXXX   but I became delinquent in other areas. I was forced to go into a repayment plan for my credit cards and I had no one that could help me wit h Navient. I spoke with Navient reps every month until now stating, I do not have the money because I barely make enough for my rent {$680.00} and car payments {$380.00}, I also had to go on food stamps. They told me to just ask family which is extremely unprofessional. Navient would not provide any financial hardship programs and insisted their repayment plan would only go down to {$190.00} even though when they c alculated my income it was clear I could not afford it. I advised many times that I was trying to get a new job with no luck, but I was either mocked, yelled at or hung up on. I received a letter certified mail that my account will be transferred to a legal team and enter litigation on  XXXX / XXXX /  XXXX  . Today  XXXX / XXXX /  XXXX   I received another call from Navient, a rep suggested I sell my car or not pay the car payment so I could pay Navient. I stated if I do n't pay for my car I do n't ha ve one. They also stated they do not understand how my other bills are current as if I am choosing not to pay them. I told the rep, I was not making the payments on time and had to play catch up when the accounts became too delinquent. They admitted that my record shows I was making auto payments regularly until a few months ago. I replied yes that 's when the lower pay started to really effect my funds, I even asked my car financer for a month without paying as a promotion. It was a one time promotion for being a customer for 2 years. Navient stated they could only notate my account.
I opened PNC bank for promotion bonus. I clicked the link provided from PNC website and followed the instruction to open the account on XX/XX/2018. 
I met all the requirement of 10 debit transaction and over {$3000.00} direct deposit to get a {$200.00} bonus. However, I did not get it yet so I called PNC customer service.

The PNC customer representative told me that I opened the different account. So I am not qualify for this promotion. They said there were three different accounts to open for each promotion but When I opened this account, there were not option to choose the account for different promotion bonus. 

They changed the promotion requirement so They don't pay promotion bonus.
I have reached out to XXXX on 4 separate occasions via mail : XX/XX/XXXX -- advised that the information being reported was unverified/ asked for Master Promissory Note XX/XX/XXXX -- advised that the information being reported was unverified/ asked for MPN XX/XX/XXXX -- advised XXXX that the MPN that was provided was not for the University of the loan that they stated they were servicing. Also advised that the dates of disbursements were not a time that I was enrolled in a University. I asked that the account be removed as it was unverified.
My original lender, Finance of America, advised my that my first payment for my mortgage was due on XXXX XXXX, 2017. They then sold my loan to XXXX who advised me 6 months later that my first payment should have been XXXX XXXX, 2017 and that I was behind in monthly payments. My original complaint # XXXX was against XXXX and this complaint is related to that previous complaint.
I have had a Bank of America Better Rewards Credit Card with Bank of America for some time, never missed a payment and have had good service. The card I have is unusable and called to request a replacement when I was told that when I cleared a Fraud alert on my XXXX Credit Report. Regardless of whether it is on my credit terms when I opened the account or not I was not informed that my credit report would be pulled just for a replacement. The expiration date is not out or anything. They refused to send me a replacement after the fact I had to go thru a verification process which everything matched. I was not reminded nor asked if it was ok to pull my credit report and I did not give verbal permission to have my credit report pulled. I did not want any inquiries added to my credit report and due to the negligence of the representative all he could say was that I knew it when I opened the account. That is not the point, He was either supposed to ask me or remind me. He could have said You are aware that I will have to pull your credit or he could have reminded me that it is Bank of America 's policy that he would have to pull the credit report. they worry about the privacy act but yet what about my rights as not only a customer but a consumer. My rights have been violated and what is the purpose of the verification act that I had to go thru and he could not answer that all he could say that I needed to get my fraud alert removed from my credit file. That is my right and people have fraud alerts for various reasons and mine happens to be by mistake so why was my rights violated. The representative never once mentioned it in the conversation and he could not say anything about pulling my credit report. I will fight this, I am going to file a formal complaint with Bank of America. Regardless whether it is in the terms the representative of any bank is to verbally and or written permission when it comes to pulling a credit report.
I have a mortgage with  PNC  BANK. I 've had this mortgage for years. Now my payments are changing without notifying me in advance. They are adding insurance that I already have and taking the money out of my Escrow. I can never reach anyone at PNC. There is a recording. This is wrong. They are literally taking my Escrow money and doing what ever they want with it. I never miss my monthly payments, yet my balance on my home is much higher than what it should be. The balance has gone up and not down. This company is not operating in compliance. I need your help with this matter. I want to put a stop to this and get my statements from PNC. I also want all money taken out of my Escrow for insurance that I already have returned.   I thank you in advance for looking at my complaint.
I received a notice from a debt collector and within their time frame, I mailed them a certified letter asking for copies of bills and payments on this account. ( I think the amount they show I owed is incorrect. I also had been making monthly payments on this account and had telephone conversations with this provider that assured me that if I made payments it would not be turned over to collections ). The collection company then sent me an original copy of said hospital bill after insurance paid that does not show any payments that I made on this account. I sent them another certified letter explaining that I did not dispute this bill, I dispute the balance owed. I also want an explanation as to why it was turned over to collection. I had not heard back from them until today when I got another notice in the mail from them stating that unless they hear from me, collection efforts will continue. Send payment in full today! Do I not have a right to this information that I requested? When I made my payment to XXXX online they never showed me a balance. Yet the next monthly bill would come showing an overdue balance of nearly {$300.00}??? My monthly statements also did not show previous payments made. I just want written documentation showing ALL bills on this account and ALL payments received. Why can I not get this information?
My mortgage was transferred from XXXX to chase as of XXXX XXXX. 
A letter from chase said that I could schedule automated payments as of XXXX XXXX. I have been on chase 's website and mobile app for about an hour and after registering XXXX times am unable to find an email address to express my concern and ask for help in getting my automated payments restored.
I closed all my American Express accounts a few years ago. In XX/XX/2017 I ordered a copy of my credit report, and it showed AmEx still open. I contacted AmEx and filed a complaint with the credit reporting agency. I recently received an annual copy of my credit report, and the card was still showing as open. I phoned the number for AmEx on the credit report, but the automated info asked for my account number and I don't have the complete number, so I was on hold forever until I finally hung up.