WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX continues to call me and report me to credit bureaus even though I have sent them documentation 3 times showing that my insurance paid for this debt. All three times, they have removed the debt from my credit report, just to put it back on 6 months later. Are they scammers? Is their system broken? I 've seen a lot of similar complaints on several websites, including the Better Business Bureau. <P/>This is the full explanation of what happened : On XXXX/XXXX/XXXX, I went to the emergency room, and left with a charge of {$620.00}, which my insurance took care of, and proceeded to send me the explanation of benefits ( EOB ) received and signed by the emergency room financial services. <P/>A year later, I began receiving bills from XXXX XXXX requesting that I pay for this debt. I told them the charge was paid for by my insurance company, and they requested proof of payment, so I proceeded to fax them the EOB my insurance company had given me ( see attached documents ). When they received the fax, XXXX XXXX proceeded to tell me that everything was fine. A month later, I saw a collections notice in my credit reports, so I called XXXX XXXX back and repeated the same process with faxing the documents, except this time I called XXXX and XXXX to dispute the debt as well, and they removed the collections notice from my credit reports. <P/>A year later, I saw the collections notice back on my report, and I repeated the process mentioned above, except this time I threatened XXXX XXXX to report them with the CFPB, the FTC and the BBB if it happened again. Needless to say, it happened again. Yesterday I saw their collections notice back on my credit report and I proceeded to report them because what they are doing is not right. I sincerely hope this has to do with an error in their system and not with dishonest business practices on their part.
I submitted a complaint against  Wells Fargo Bank/credit divi sion on  XXXX / XXXX /  XXXX   regarding issues with our interest rate after opening a checking account. the associate at the bank promoted all the benefits of their credit card ... overdraft protection etc.This evening, X/X/17 ,  Wells Fargo responded to the  complaint basically stating the same responce and wording i 've heard for the last  2yrs.  This was not the result i expected filing a complaint with CFPB and considering wells f argo 's track record over the last 4-5 yrs am very disa ppointed. My main point in this complaint and over the l ast 2+yrs is the bank showing what specific  criteria was used to apply a 26 % interst rate to my account other than to state credit worthyness. As i stated in original complaint and directed at wf associates many times, how was i able to purchase a house at 2.62  % ..15yrs and have a credit score that ranges ar ound  XXXX  and get hit with a 26 % rate on their card. Again with this banks past goals of misleading practices and placing revenue above their customers, i strongly believe this should be looked into further Original complaint #  XXXX
On XX/XX/2018, I sent a letter to XXXX XXXX in regards to an account that is reporting for {$3600.00}. I requested proof that the debt was indeed mine and that they had the legal right to collect from me. I haven't received any proof of contract that this account is mine, but it is still reporting negatively, which is affecting my credit.
Transworld System has been calling my XXXX year daughter 's brand new cell phone number day and night for the last week that she 's had the phone. I got on the phone once and ask what they wanted with my child, they told me it was none of my business and it 's personal. They would not tell me why they kept calling us and why they are harassing a young child. The harassment of a child has got to stop. I finally was able to get one of the many people who kept calling to give us the name of the person they are looking for and we have no clue who it is. However, it does n't seem to matter to Transworld that we are not the person they are after. They choose to continue to harass my XXXX year old. Perhaps the person who continue to contact my daughter is a pedophile. I ca n't image why they continue to call a kid night and day.
I have disputed information with XXXX I have mailed information like they told me to do so that I can have this fraudulent information off of my credit. At the end of their investigation they said it was verified! I tried going directly through the collection agencies and they told me that if its fraud or the wrong person and to call the original company, but then when I contact the main company I 'm told to dispute it and then talk to the collection agencies.
Chase Bank froze my account and did not fund the checks and auto payment we made without informing us. This caused our car lender to report us as late payment to the credit bureau resulting to a damage credit score. We were on the call with Chase bank on XX/XX/XXXX and on XX/XX/XXXX. We were also at Chase Bank branch on XX/XX/XXXX to request for a temporary ATM card. During those times nobody informed us that Chase will stop funding all our payments. I only found out that Chase was not funding my check when my car lender reported us for late payment on XX/XX/XXXX. I was at a Chase Bank office on XX/XX/XXXX and XX/XX/XXXX to clarify what was going on. All I can get for an answer was that our account was frozen and that nobody could explain why. Attached is a copy of the bank statement that shows unfunded payments.
In the spring of last year I received a business call from Citizens Bank ( RSBC ) in the evening to discuss student loan refinancing options. After briefly discussing my options and potential loan amounts, the customer service representative said they would have a specialist in their student loan department contact me at a later date. After the call I decided I did not want to pursue refinancing with Citizens Bank. Upon review of my credit report this year ( free credit report requested from XXXX XX/XX/XXXX ) I saw that Citizens Bank pulled hard credit without my permission on XX/XX/XXXX.
This company bought this debt from the now defunct XXXX XXXX XXXX which attempted to charge me {$44000.00} for air lift for my so whom was severely injured in a rural area of Georgia in 2014. I believed that XXXX XXXX XXXX XXXX covered this expense and XXXX XXXX XXXX stopped contacting me. Meanwhile, unknown to me, Wakefield Associates,  continued to report me to collections and charge me interest.My son was covered under my medical policy at the time. This has ruined my credit.
I am extremely upset with Everbank and I need to CFPB to help. I am  XXXX   XXXX    XXXX   and they are discriminating against me. The sales practices are deceptive, and they are also committing predatory lending. My ex-wife and I got divorced and that was finalized in   XXXX   XXXX    . Per our divorce decree, I was keeping the house in the divorce settlement. I was advised by  XXXX  legal that because our mortgage is a VA mortgage we could complete an assumption instead of having to refinance to get my ex-wife off of the house. I called Everbank and spoke with  XXXX   XXXX  in  XXXX    XXXX  , who stated that No, Everbank does not do assumptions and they dont have any way to do them. I had to refinance since that was the only way to get her off the house. He then quoted me about {$8000.00} to refinance. When I told him I didnt have that kind of money, he told me to shop around and if anyone else got me a better deal on closing costs he would match it. I shopped  XXXX  and  XXXX   XXXX , who both advised me that I did not have to refinance ; I could do an assumption because it was a VA mortgage. I called  XXXX , and again he claimed to know nothing about that. I went directly to the VA, who confirmed that yes, by regulation Everbank has to remove my ex-wife from the house once they have approved the release of liability. The VA approved the release of liability in   XXXX   XXXX   XXXX    . I sent everything to Everbank the same d ay ( div orce documents, quit claim deed, VA approved release of liability ). Everbank will not remove my ex-wife from the mortgage. They keep insisting I refinance, and every time I call or my ex-wife calls they give us a different answer. By federal law and regulation, they have to adhere to the VAs guidelines, and they just wont. They wont help me because theyre not making the money off refinancing from me. Now theyre saying they will just stop reporting to the credit bureaus for my ex-wife, but she has to stay on the mortgage WHICH MAKES  XXXX  SENSE. I have sent them the lenders handbook, which states she needs to be removed from the mortgage and outlines that they can not charge more than {$350.00} to amend their documents, but they will not do anything about it. Now theyre saying that the person in charge of this request is  XXXX   XXXX  who is the same person that told me Everbank does not do this kind of thing and he will not help me or return my calls. I think he just wants the commission to refinance.  XXXX  and everyone at Everbank are extremely deceptive. The customer service agents talk down to me, and I feel as though it is because I am in the  XXXX . I just want them to remove my ex-wife from the mortgage per the regulations! They also only have 30 days to do it which is about to be up in 10 days.
Several items on my credit report are outdated, according to FCRA reporting limitations, when I tried to dispute these discrepancies I was n't allowed. It told that because I had previously submitted a claim and it was not in my favor, I could n't disputed it again. 
I definitely believe that this is a another way to segregate and strip an individual from their ability to disagree with public information. Not to mention the violation of FCRA on my right to challenge as many times as needed inaccurate information on my credit report.
on the sale of the car nissan took over 30 days to pay off my existing loan with themselves ( old car trading in for new car both where financed through XXXX XXXX ). on the first payment they charged me for the old car and new car. took them over 60 days to figure out what happen and was suppose to have corrected my account. later in the first year in of the loan, i want to say it was XX/XX/XXXXthey say i missed a payment. i sent them my bank account info showing the payment went through at least 3 times over the next 90 days. they kept calling my phone every 30 days saying my payment was late and we would go over the same deal, i would send them the payment info. i was insured my account would be fixed if i sent in the bank statement. 

today i logged on to the site to pay of the loan and now i owe XXXX in late fees, their agent tells me my account is now in collections. i have bank records showing for each month nissan has automatic withdrawal from my account for the monthly balance. 

i am at the point i want to peruse legal action against XX/XX/XXXX, i have done everything i can to satisfy this loan in good standing but they have obvious system issues and are now causing undue hardship
This account from Bank of America is showing closed by consumer on my credit report. The account also said it is a charge off therefore it was not closed by consumer. The last payment made was XX/XX/2013 according to credit report. The remaining balance is also incorrect.
I was repeatedly contacted by IQ Data about a debt I do not owe. They are calling me constantly, harassing me, threatening me with suing, threatening me with credit reporting yelling, belittling, calling during business hours, calling my work, leaving repeated voice mails, calling back to back, day after day. They never sent me a letter detailing any debt or given me the opportunity to dispute the debt if a valid one existed. I have not verified any debt owed to IQ Data. I do not owe any money to IQ Data. I want the harassing phone calls to stop. They are calling all hours of the day about a debt that is not owed. They have the wrong person! This has to be against the law.
I am being sued for a mortgage that was improperly foreclosed on and was taken to a Federal Class action Law Suite . I was awarded XXXX toward this instance and am now being sued for the difference of a XXXX mortgage. I have attempted to fax information about this to the company, have sent certified mail in regards to this. They have dismissed this and have now served me with a summons and are taking me to court.
Gatestone & Co. International XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX DE XXXX REF # XXXX XXXX Collection agency made contact with my XXXX father before even making a phone call to me. They asked him if he was XXXX XXXX ( An Authorized Person ), he said no. They proceeded to release all of the details of the debt, ways to make payments, and how he ( My Father ) could help me pay. They then disclosed that I was on XXXX with my employer, that they had contacted XXXX of my previous employers inquiring about my work status. I called them back and they tried to tell me that my father had answered all of the " security questions '' right, like my social security number, Date of Birth, and address. My father does not know any of this information.
Wells Fargo is ripping off their customers. My checking account was not over drawn and while there were pending charges, XXXX of the charges were duplicates and I had made an additional deposit on the XXXX making the checking account balance. I talked to their customer service people and they told me that their screen is not the same as my checking account, and that they create over drafts by putting in the pending charges/checks. However, the pendings charges/checks had XXXX venders that doubled their charges. XXXX has cleared and the other should drop off by monday. My available balance had over {$1000.00} in it. This bank is practicing theft by deception.
The XXXX XXXX Law Firm is attempting to collect a rental debt on behalf of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX that is invalid because I have never lived there. I did not complete or execute a lease. During this initial process, I completed an application and discussed some general rental information only. However, the company stated a full lease was signed on XXXX XXXX XXXX. On the contrary, I received a voicemail from the company on XXXX XXXX XXXX stating that the lease was incomplete and that some documents were not signed or completed. I also received an email on XXXX XXXX, XXXX, stating that the lease was incomplete. In reality, I only initialed some of the documents under the impression this was part of the application process. 

At this point, I believe there was intent to deceive me by providing a partial lease under the impression of a full lease. The following reasons explain how this incidence created this invalid debt and improper collection due to their deception tactics. To be specific, I believe this company was deceptive in their disclosure of documents when providing a copy of the lease and addendum during the initial application process to get an easy rental. To reinforce this, the company provided a copy of a lease that had key missing pages under the guise of a full lease. The apartments intent was to provide the remaining key documents after the applicant signs documents from initial partial lease and therefore keep the rental process moving. There also seems to be a suspiciously completed copy of the lease now with my signature on it, but it was not by me. 
Nevertheless, I cancelled the application process after I determined that a full lease and key addendum was not provided or disclosed during application process or lease review process. The key addendum stated that rental insurance was required for all future tenants. Since I disagreed with the insurance requirement and this key item was not disclosed during initial process, I did complete the lease. To be exact, I cancelled the application process. 

Even after explaining the situation, the XXXX XXXX law firm has continued to contact me in an attempt to collect 11 months worth of rent on behalf of the property, as well as having it negatively effect my cosigner 's credit and my own credit.
I've made numerous phone calls to internal collection department of XXXX XXXX XXXX XXXX to confirm no debt with them and to complain about their third party collection robot-calls. Somehow my debt, even though already paid off, was passed over to their external debt collector ( Continental Credit Control ). At each of my complaining calls to XXXX XXXX collection department, I was assured that there is no outstanding balances for me to pay, therefore they'd contact Continental to stop them from calling me once and for all. Yet, as of XX/XX/XXXX I've been getting Continental 's robot-calls for 5 months or so. 
Also, I attempted to get connected directly with Continental 's representative who's supposed to be in charge of my account many times but failed. And, at another time I was told by a different Continental representative that she'd let the one in charge know about my account status. I'm really frustrated being  tossed around between these two business practices and can't wait to get my peace of mind back from their pesky robot-calls.
In XX/XX/XXXX I purchased a home. In XX/XX/XXXX it was foreclosed on. Bank of America shows they did a charge off but on my credit reports it still says I owe {$22000.00}. I had XXXX XXXX disputing it and it looks like it was reaffirmed as of XX/XX/XXXX and my credit score plummeted XXXX points. The account was opened on XX/XX/XXXX. The last payment was made XX/XX/XXXX. The account status still shows open but the remarks are : Charged off as bad debt Profit and loss write-off. I did try to talk with them at some time in the last year and got nowhere.
XX/XX/XXXX - Received letter stating that for my 4 student loans 2 will be forgiven in XX/XX/XXXX and 2 will be forgiven in XX/XX/XXXX. XX/XX/XXXX - sent letter asking for a list of the payments are going to the loan foregiveness program because I signed up all 4 loans for the program at the same time and I expected an earlier date. XX/XX/XXXX - I called and was told that these numbers are correct but they ca n't give me any detail. XX/XX/XXXX - sent a 2nd request letter asking for this information XX/XX/XXXX - sent an e-mail XX/XX/XXXX ( today )- sent 2nd e-mail - although I now decided to contact you also because it 's been over six months.
XX/XX/XXXX I was contacted by XXXX XXXX XXXX in regard to a Citibank/Amex card that was settled back in XX/XX/XXXX. This is the second time in the last two months I have been contacted by a collection agency for this debt. I settled for less than I owed with the creditor/collection agency - XXXX XXXX XXXX on XX/XX/XXXX. The two calls I recently received are for the balance of what was due back then. I was told that they had mailed me correspondence and since I hadn't responded it was being referred to an attorney. I have never received any correspondence, just phone calls in regard to this. Both times I have spoken to someone, I have been told that they would update my record and if there was anything further required, I would be contacted. I went through an attorney for this debt settlement, as I had several debts that I settled. I can not go to her for help with this because she is no longer practicing.
BestBuy is automatically enrolling me in a upgrade, that i did not ask for.The upgrade is a new credit card that can be used anywhere, not just at BestBuy. If you do not call them or go online to there website to decline new card, you will be  automatically enrolled for a the credit card.
Bureau reporting inaccurate information on my credit file regarding my personal information and accounts that do n't even belong to me. I would like the bureaus to address these issues and remove all fraudulent accounts.
XXXX took money without my authorization by getting my credit card expiration date and other information. How are businesses and banks allowed to take this information to charge customers. I was told it was in the terms of service but is it not also in the terms of service that a card has an expiration date? How dare they, these companies know we are a trapped regulated work force with no time to deal with going back and forth between merchant and bank to stop their fraudulent activity. Please help us and ensure that expiration dates are honored. They often honor the expiration date if it will generate a late fee. It is not fair that XXXX and barclay cards are allowed to do business with my money behind my back while hiding behind some small print.
I have been trying to deal with XXXX for the last few years. They are very unhelpful and they will not give me realistic options to help with paying my student loan back. I do know that I took the loan out and I do plan on paying the loan back but I plan on paying it back the only way I can but they do not seem to work with you. I would rather see you starve or starve your family and all they are worried about is getting their payment. They make you think the only way you can go to college is through getting a loan with them and they take advantage of young kids. They are cheats and they need to pay. They harass my XXXX year old grandfather all the time because he was nice enough to cosign my loans. They call my work numerous times even after being told not to call them. I finally set up a payment and pay it for 3 months to come to find out that they only applied my payment to four of my loans and not all of them. But they failed to mention that to me also now two of my loans are behind which I had no clue. They are not here to help. They are making me think that the only way to get out of this situation is to XXXX XXXX. When researching online there is a large number of XXXX  every year as a result of student loans. This needs to be stopped and this company needs to be stopped.
Have informed company repeatedly not to call my prepaid phone ( XXXXmin to receive calls ). They refuse to stop calling, even though I have made payment arrangements. 

In TX, FDCPA applies to first party collectors.