WillisBack/dataset-financial-user-claim huggingface dataset:
Resident Collect, Inc. continues in their attempt to collect a debt that was discharged in a Chapter XXXX bankruptcy in XXXX 2013. They have sent collection notices and have called my cell phone. My attempts to contact them to inform them that they were listed as a creditor in the discharged bankruptcy have been met with accusations of me lying about the bankruptcy ( I tried to provide them with the case number ), hanging up on me and then calling me back a few minutes later and when I answer they hang up on me again. During a phone call to them, I was explaining that this had been discharged and the rep said in a very sarcastic, belittling manner, " Yeah ... ok ... I highly doubt it ''. When I informed him that I was going to call my attorney about this he stated, " You do that if you really even have one ''. I asked them why they were continuing to attempt to collect a debt that was discharged in a bankruptcy, I was told, " Obviously you owe the money and there was no bankruptcy - so sounds like you need to pay up ''. 

I called my attorney and they verified that RCI was listed as a creditor and that this activity was indeed illegal. She advised me to fax or send them a letter explaining what I have tried already and to include a copy of the discharge. I have tried to contact them to obtain a fax number and as soon as I explain to the rep what I need the fax number for and give them my account number, they hang up on me. I do not want this account updated on my credit report since it was included in the bankruptcy and is not a current debt. I want ALL of their collection activity tactics to cease immediately.
Hello CFPB, thank you for taking the time to review my complaint. On XX/XX/XXXX I went into a Wells Fargo branch and worked with a bank representative to close my Wells Fargo Checking account, Savings accounts ( XXXX ), and Credit Card account. I received notification that my checking account and credit card were still active and intact in XX/XX/XXXX, despite the fact that wells Fargo told me the accounts had been closed. In response, I returned to the bank on XX/XX/XXXX to close these accounts again and explain that there was an error and the accounts were supposed to be closed two and a half months prior. Today, on XX/XX/XXXX, I received word that my Wells Fargo credit card account is still open. I am frustrated with the misinformation that Wells Fargo has provided me twice now, concerned that more Wells Fargo accounts remain intact in my name ( despite my repeated attempts to sever my relationship and close my accounts with Wells Fargo ) and so I am filing a formal complaint in the hopes that more consumers are not misled by the bank. 

Thank you, XXXX
This complaint is being submitted on behalf of the borrower 's advocate. 

Borrower defaulted on her mortgage payment on XXXX 2017. She requested an application for mortgage assistance in XXXX 2017. Servicer agreed to send her the application, but she still has n't received it. She has been calling them for an update and is on hold for over 20 minutes or the calls are disconnected.
I never attended XXXX university. i inquired about school but never attended due to death in my family. I do not owe anything please remove this invalid debt immediately
I never got a mortgage with Wells Fargo Home Mortgage and I request them to provide a contractual agreement ( mortgage ) as proof I applied or have a mortgage with them. Not address or statements is not proof actual contract. 



Highest Balance {$140000.00} mortgage balance opened date XX/XX/XXXX closed date XX/XX/XXXX term 360 months Monthly Payment {$1300.00} Date of last payment XX/XX/XXXX
I just received notification from XXXX XXXX XXXX that a collection was added to my credit report. According to XXXX XXXX XXXX it was reported inXX/XX/XXXX I had to XXXX  the company on my credit report and found that they were a collection agency. They are claiming I oew # XXXX but I do n't know who I supposedly owe.
Did n't know this account existed. I always carried and provided medical insurance/ XXXX to the hospital. Hospitals never called, either.
I XXXX contacting you concerning an account XXXX have sold to this collection agency named Nelson and Kennard in XXXX CA Account # is XXXX and case # XXXX XXXX had sold this account in XX/XX/XXXX before their settlement with the attorney general , US Consumer Financial Protection Bureau and the office of Comptroller of the Currency on XX/XX/XXXX. 
It appears that XXXX was selling customers ' debt to collection agency as much as possible before the settlement. 
In XX/XX/XXXX/XX/XX/XXXX, when the real estate market crashed, my husband and I both lost our jobs. 
We used all our reserves to make our mortgage payments to XXXX. Eventually we had to use my XXXX/XXXX card to keep up with the ADJUSTABLE RATE MORTGAGE. 
We tried many other jobs to keep up with our payments but were not able to make enough to cover our credit cards and mortgage payments. Sadly, we were default on our mortgage and credit cards payments. 
After many years of struggling with getting a loan modification, XXXX FINALLY GAVE US A MODIFICATION. NOW, we do n't have any problems making our mortgage payments and are never late since the modification. 
Unfortunately we are not able to make any credit cards payments. XXXX have sold this credit card debt to Nelson and Kennard before the settlement ( as mention above ) who had previously levy our bank account in XX/XX/XXXX and taken money that were used for our living expenses such as groceries, and utilities bills. 
Now, again this Collection agency is levying our account. The problem is, due my serious health issues I am not able to work. My husband income is the only income we have and its only enough to cover our mortgage payments and living expenses. I am only added to MY HUSBAND account to manage the household bills. i can not afford to pay this debt.
I filed for business and personal bankruptcy 3 years ago and this agency continues to call over a debt that occurred after that. The agency calls daily and leaves messages. When I spoke to them personally they were aggressive and rude. The agency is Harris and Harris.
A loan was opened to purchase an  XXXX  on installments thru  XXXX .  XXXX  finances the phones via  Citizens One.     Order  #  XXXX  was placed on  XX/XX/XXXX  with  XXXX .   Due to issues activating the phone on  XXXX   XXXX  I cancelled the order and  XXXX  issued a full refund on  XX/XX/XXXX  . Citizens One op ened an installment loan for the purchase amount.  Loan #    XXXX  and began billing my credit card for monthly installments. I was bill ed 3  consecutive months for a phone that was already fully refunded back in   XXXX  . I was able to have payments stopped the end of   XXXX   and hav e Citizens One iss ue a refund for payments made. At this time I was ensured that the account was closed. On   XXXX   XXXX   I received a final notice from  Citizens One tha t the above mentioned loan is delinquent and will be closed for non payment. And my file would be reported to the credit bureaus and collection was to be made. I called  Citizens One  on  XX/XX/XXXX . Spoke with rep who told me I would receive confirmation within  48 hours.  Nothing happened. On   XXXX   I called and spoke with  Floor Supervisor   XXXX  who insured me she personally will resolve the issue with their escalations department withi n 24 hours.  She gave me a claim #  XXXX  as reference. After 5 days again nothing happened. I called again on   XXXX   and spoke with  XXXX  who again said escalation is working on it and I would hear back i n 3-5 busine ss days. Again the  Time has  elapsed and nothing. I would like this resolved as I do not owe  Citizens One any   money and do not wish my credit to be negatively affected by this situation.
Ive initiated several disputes with transunion over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. below are some documents i sent to them on several occasions. It really seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Company XXXX & unknown medical collections are one in the same but neither one can really help ... .... So how is it the bureau claims to have all the info nut they ca n't find me in their system ... I think me and millions of americans are being lied to by the credit reporting agencies. Hope the fines keep coming. This is ridiculous.I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.I am a victim of identity theft and noticed a collection from XXXX. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I placed a dispute in to the major credit reporting agency on XX/XX/2017, yet I have yet to hear of any resolution to my issue. I am a victim of identity theft and provided proof of the crime and me being a victim.
At the beginning  of XX/XX/XXXX, I owed American Express {$22000.00}. During the year, I paid {$6200.00}. At the end of XX/XX/XXXX, I still owe {$19000.00} due to their high interest rates and their penalty fees. They lowered my credit limit to {$18000.00} although I never charged more than my original credit limit. They have collected {$2600.00} in interest and $ XXXX in fees, making their total for the year {$3000.00}, which is 48.6 % of the money I paid each month on my account. 
Because I could not afford to pay the full minimum payment requested some months, American Express termed it a " late payment. '' This misnomer has seriously damaged my credit score, which makes it difficult and expensive for me to borrow the money to pay them off. Is there any law to protect consumers from this practice?
I was not working for almost XXXX years and was not able to pay my maintenance fees on a XXXX XXXX At XXXX XXXX timeshare that I completely paid - debt free. I offered to give the Timeshare to XXXX for FREE in exchange for not having the money to pay the maintenance fees. Instead, they kept billing and calling me and tacked on another year of maintenance fees. I am now getting calls on my cell phone and home phone from Aspen National Collections. XXXX is acting out of greed and are treating me like I defaulted on the mortgage! Get a clue, the mortgage is paid in full. Take the property, resell it and recoup the maintenance fees!!!
I put my defaulted loans in rehab through XXXX XXXX and made my 9 on time monthly payments. Navient, now XXXX, says they don't know what happened and that my loans were never rehabbed. Now I'm getting letters that my taxes will be offset because my loans are still in default. Years ago, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was advised to forbear my loans because I couldn't afford the XXXX a month payment. My loans were only for {$25000.00} at that time. I've reached out to Navient and XXXX XXXX to resolve this and they keep telling me to just keep making my monthly payment and eventually the loans will be picked up by a lender. I don't know what to do.
I contacted Corelogic and requested a copy of a so-call consumer report for his company because they reported to a apartment complex that i applied too, with out my knowledge .. so i requested a Corelogic consumer report.. Never heard of this company. ( It's BAD that these type or companies can buy and sell and report fraudulent, inaccurate and out dated information about people. 

THEY REFUSE TO GIVE ME A COPY OF THIS SO-CALL Corelogic consumer report. 
BUT THEY GAVE THIS INFORMATION ON ME TO ANOTHER COMPANY!!!!!! 

AND THE COMPANY XXXX XXXX XXXX ALSO REFUSE TO GIVE ME A COPY OF MY INFORMATION
In the beginning of XX/XX/XXXX, I became aware that XXXX XXXX had opened a 2nd account for me because they sent me 2 bills. I called them and they told me the two accounts were merged. Later in XXXX they sent another bill, with a 3rd account. I called them, they assured me the accounts would all be combined. four days later I received a card for a new account. I again called them. They again assured me that the accounts were all merged into 1. I received my bill. I paid my bill on time. I received a notice that my account was past due. I called them and they informed me I still had an account that was not merged and I owed a {$10.00} dollar payment. that was on! /XX/XX/XXXX. I told the representative that I would call on XX/XX/XXXX and make the payment. I was told that after the payment all of my accounts would be merged. When I called on XX/XX/XXXX, the rep told me that I had 2 accounts open and I had a minimum due of {$20.00}, but after payment I would be caught up till XXXX. He told me that the payment would allow him to merge my accounts. I explained I had little confidence that this would occur and asked to speak with his supervisor. The supervisor got on the line, assured me that all of these accounts are merged and I didn't have a payment due till XXXX. This morning at XXXX I received a call from XXXX XXXX ( robot call ) about a past due balance.
**This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification.   I believe the following information to be inaccurate.     1.CREDITOR NAME -  XXXX . - Account type- automobile.
  **i am disputing this account for inaccurate information. The last report date of the account was  XXXX   XXXX  so there 's no excuse as to why this accounts displaying inaccurate information.     I am attaching proof that this account has received some form of payment after the date reported for last payment received. They are aware of my financial problems and how I lost my job and agreed to work with me.The monthly payment is also reported WRONGLY. My payments are  (  twice a month ) for {$220.00} totaling {$440.00} NOT {$480.00} as  XXXX  falsifies.   The above listed creditor reported different dates for each Bureau, which all are INACCURATE. So this creditor has reported incorrect information to all  XXXX  bureaus, which is damaging my score with each. I can provide ANY proof that all  XXXX  reports have different information on the areas that I have pointed out. When seeing such inaccuracies, I am to believe the creditor does n't care how this affects my credit and my future success. I am in the process of fixing all and any mistakes. PLEASE I 'm requesting REMOVAL of this account, as it is actually in fact in violation of the Fair Credit Reporting Act. I want a full removal/deletion as it is harming my credit.   Thank you kindly, **Phoenix Recovery  Group- original  Creditor :   XXXX   XXXX   XXXX   XXXX   XXXX . Balance : {$1600.00}. The original Creditor was supposed to disregard all charges including the transfer to collections.  XXXX  proof was provided before my departure but apparently the account was still turned to collections. I have provided documentation of  XXXX  proof. FEDERAL LAW allows Termination of any lease. Federal law, 50  U.S.C. App. section 535, k nown as  Servicemember Civil Relief Act ( SCRA   XXXX . I 'm requesting FULL DELETION OF THIS ACCOUNT. The original creditor also went against federal law because I am  XXXX  personnel so I should n't be held accountable if I was on  XXXX  I trust that you will resolve this issue. Again no verification has been sent to me about the status. I just do n't understand why they would try to be so sneaky, as a member of the  XXXX  I did n't expect this at all.   Please help me as I am trying to redeem myself and work on my credit. And fix anything that should be fixed. I want to see myself as a home owner in the future and also retire  XXXX  Thank you and I look forward to any information reguarding my issues as I 've disputed and have gotten no where.     I can provide any further info if need be. And also if you need the following payment and dates for  XXXX  I can provide that as well
I called XXXX XXXX XXXX on XX/XX/XXXX to pay off my credit card debt. Late fees had previously been accrued. I spoke to XXXX and reached a settlement payment of {$210.00}, which was my grand total to pay off the debt after late fees has been removed. I paid the {$210.00} with XXXX over the phone with my debit card. Months later, I started receiving calls, texts, and voicemails on a daily basis requesting that I pay my debt. My credit card was closed, so there was no possible way that I could accumulate any more debt. I answered a call from XXXX late XX/XX/XXXX to give them a friend reminder that the debt had been paid off in full last year, to which the representative acknowledged my payment of {$210.00}, said that I had a balance of around {$70.00} which had now reached $ XXXX due to late fees. Again, I said that XXXX and I reached a settlement payment of {$210.00} after late fees being removed. The representative requested that I be put on hold so that she can speak to a supervisor. 10-15 seconds later, she hung up on me.
I opened a secured Discover Card with a {$200.00} deposit. After 7 months, they deemed my account eligible to become an unsecured card and as such, the owe me my deposit back. They claim to have mailed it  ( after 7-10 business day shipping ). I never received it. I called in and told them and they told me to wait another 30 business days for them to process and check to see if I had cashed it. As expected, I had n't and they claim to have mailed another one. After 7-10 days, I still have NOT received it. I called in and they told me my only option is to wait another 30 days for them to process and another 10 to mail. I need my {$200.00} and they are essentially stealing from me. The main demographic for this card is college students or other non credit worthy individuals and this is extremely malicious behavior. I mail using USPS every day and it has yet to fail me. I do not believe the problem is in USPS, I believe Discover is illegally not sending me my check. P lease help me retrieve my money. I can not afford to wait another 30 days for them to correct their own mistake, I need the money to buy my books for school, pay tuition, etc.
Equifax has an incorrect mark on my XXXX credit card from XXXX XXXX saying I paid 30+ days late which is NOT TRUE. I have never paid late for my XXXX and have documentation from XXXX proving that I have never paid late. Equifax has horrible customer service and will not remove the error on my Equifax report and is running me around in circles for almost 1 year. XXXX and XXXX are correct and show that i have never paid late also. Equifax is awful.
I AM XXXX AND XXXX DONE. HOMELESS BECUSSE OF A JUGMENT ON RENTAL HISTORY USED ALL MY XXXX BENEFITS ON CHEEP BUG INFESTED HOTELS WHILE I FOUGHT THIS LOOSING BATTLE. MY IDENTITY WAS STOLEN THE UNWORTHY OF LIFE INDIVIDUAL OR INDIVIDUALS RENTED APTS TOOK OUT PAYDAY LOANS AND CHARGED UP BILLS. NO ONE WILL RENT TO ME NO ONE WILL RENT TO ME NO ONE WILL SELL TO ME. I AM XXXX AND HAVE XXXX XXXX. THE COLLECTION AGENCY INFO STILL ON MY REPORT AS " CLOSED '' BUT THEY REFUSE TO REMOVE IT. I HAVE WORKED MY WHOLE LIFE PAID MY BILLSBUT BECUSSE OF THIS I AM WITH OUT FOOD MEDICINE OR A SAFE PLACE TO SLEEP. SO SAD I KNOW LOL I 'M NOW XXXX OF THEM THE PEOPLE I WOULD GIVE MONEY TO ON THE STREET AND NOT ANYTHING I CAN DO. THIS EXPERIANCE IS CHANGING ME YOUR SYSTEM IS BROKEN THIS THE UNITED STATES OF AMERICA MY FAMILIES BLOOD WAS SHED IN WARS MANY WARS FOR OUR LIFE STYLE AND FREEDOMS LOOK HOW WE ARE TREATED. BEFORE THIS THING KILLS ME I WILL SEND ALL MY DOCUMINTAION TO NEWS ORGINIZATIONS AND PUBLICE OFFICIALS FUNNY I STILL THINK SOMEONE MAY CHANGE THE SYSTEM MAYBE MY PAIN WILL HELP ANOTHER I HOPE BUT AGAIN NO ONE CARES ENJOY YOURRUNNING WATER COMFORTABLE COUCH DINNER AND DESSERT GO AHEAD COMPLAIN ABOUT THAT BAD NIGHTS SLEEP THE NIGHT BEFORE WITH YOUR COWORKERS LIFES HARD I KNOW SLEEPTIGHT XXXX XXXX will attach back up as soon as I can XXXX of our friendly police officers is told me to move it.
Hello, I am writing because the agency Professional Account Management is attempting to collect the wrong amount and also indicated that I committed a crime by not paying debt. I received XXXX " Notice of assignment to collection agency '' for XXXX unpaid citations. The unpaid citations are ticket number XXXX and XXXX with the XXXX DMV, which I contested well within 30 days ( I filed within & lt ; 10 days ) via the online ticket adjudication system, with reference number XXXX. I am contesting the tickets because I believe that they ticketed and towed my car without cause because there was no signage that I violated any parking laws. I submitted photos and documentation at the time of my claim. I have never received any further communication, either from the DMV or from the ticket adjudication system. However, my citations were sent to collections, although the XXXX DMV website says explicitly ( XXXX ) that " If you want to contest a ticket, do not pay the fine and/or penalty. You can not contest a ticket once you have paid the fine and/or penalty. '' The notice I received however says that Professional Account Management is collecting on my " debt '' although I have not received any confirmation from the XXXX DMV about the final result of my adjudication. I contacted Professional Account Management to resolve this issue but they directed me to the XXXX DMV. I also contacted the XXXX DMV multiple times without result. Also, I monitor my credit score frequently ( more than 3 times/week basis ) and my credit score has dropped over XXXX points ; I believe that as a result of my collections being reported to the credit agencies unfairly that this resulted in both the change in my credit score and a denial for a credit card application.
I 've received numerous calls from this company called East PointGroup out of XXXX New York threatening me that if do n't call them back they will file a lawsuit against me and take me to court. Now they are calling my parents home number ( I do n't live there ) and also are calling my ex wife threatening them as well with legal action. Their number that shows on the caller id is XXXX I do n't owe any debt to anyone I just checked my credit report today and nothing shows up listed as East Point Group. I would like them to stop calling and harassing me.
This debt should have never been on my credit report. Myself and the XXXX roommates associated with this apartment the collection originated from never received any notice of funds due after vacating the premises. The entire 12 months we resided at this apartment, we never missed a payment or had a later payment. When we left the apartment we were up to date on all bills since my credit and finances are a big priority. This is the only blemish on my credit report and is affecting me financially with mortgages and other finances. 

If we were ever contacted regarding this matter instead of finding out when this hit my credit report I would have proactively brought my account to good standing as I have my entire life. 

I would like this taken off my credit report immediately as this collection was not warranted and if so, was not correctly communicated.
XXXX XXXX XXXX has committed fdcpa violations, they continuously use offensive language towards me and doesn't properly verify me most of the time. This has been going on for over a year.