WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is about the account above and the reporting of the collector XXXX XXXX. I am XXXX XXXX, the debtor and Complainant in this complaint. I am filing this complaint about the account referenced above. 

The collector, XXXX XXXX, is reporting this debt to the credit reporting agency on behalf of XXXX. Both companies, XXXX XXXX and XXXX are based in XXXX, California. XXXX is the contract towing company for the XXXX of XXXX. My familiarity with the creditor is because I once lived two houses away from one of their employers, the brother of the owner. His daughter was my own daughters best friend when they were children. I have had no contact with any of these folks in over 12 years. 

I have never had a business relationship with the people or this company. I have had no business at all anywhere near the XXXX for over a decade. I have been XXXX and receiving XXXX for the past eight years. I have certainly had no reason to have a vehicle towed a distance that would result in charges of almost {$2000.00}. Ive not had a vehicle impounded either. I have no idea what the account is from. 

I have had no success in my own attempts to correct this situation, have the debt dropped and my credit report corrected. I appreciate any assistance you can give me through this complaint process. I have no documents about this alleged debt except a copy of the credit report. 

Thank you XXXX XXXX
for the past 2 years I constantly received phone calls from a company XXXX XXXX XXXX XXXX claiming I owe Toyota {$31000.00}. 

I actually was/did have a dispute with Toyota about a loan which was only {$14000.00} as you can see it's reporting on my credit reports as a write-off ( I'm still busy disputing it with toyota, as it was a result of a accident and my insurance didn't pay the full about. 


FACTS! 

1 ) Toyota told me clearly they will not send it to collections, and it was very upsetting when they charged it off and they mailed me a XXXX. 

2 ) Whatever the case, the amount in dispute was {$14000.00}, as you'll see from a copy of my credit reports I'll attach here. 


however, this so called licensed debt collector called and harassed me that I owe toyota {$29000.00}, and told me on every phone call ( I wish I would of recorded it ) " WE WILL GET A JUDGEMENT AGAINST YOU AND MAKE SURE TO EMPTY ALL YOUR BANK ACCOUNTS!! '' the last 6 month I simply began ignoring them, which I was dealing myself with Toyota. 


Yesterday I though I'm going to have a heart attach, I see a Debit of {$75000.00} out from my bank account. I called my bank and they told me it's from this firm XXXX XXXX XXXX XXXX which was the plaintiff for Toyota. 


How can such a thing happen, and how can they get away with this!!

# 1 there's no judgement # 2 if there is a judgement, why am I not aware of it? 
# 3 if there's a Jugdement why wasn't I served?

# 4 how in the world did they come up with {$75000.00}? I can buy 5 cards with that month. Even I defaulted on 5 cars it wouldn't be  {$75000.00} WE MUST STOP THIS CORRUPTION!! 

now XXXX put a hold on my entire bank account, and closed my 2 credit cards, because XXXX suspected it's fraud!!!
Equifax dispute confirmation number XXXX was filed on XXXX/XXXX/XXXX. To date I have still not received any response from Equifax concerning my dispute beyond the initial dipsute confirmation email on XXXX/XXXX/XXXX which stated I would receive updates and a result, clear violation of the FCRA. I checked their online system numerous times and the status was always in process. This " in process '' status was still showing well beyond 30 days, clear violation of the FCRA. I have attempted to contact the company via phone 3 different occasions. The first 2 occassions I was waiting to speak to someone for over 30 minutes on wait and then my call was abruptly disconnected by Equifax. The third attempt I did finally reach someone and when I questioned why I had not received a response in writing I was hung up on. The clear disregard for the FCRA must stop immediately. Now when I attempt to check the status of the dispute online, it does n't show up and is as if I never filed it. I have the confirmation number and email from Equifax proving it was filed. The CFPB must do something to stop the blantant flaunting of the law by a supposed credit bureau which obviously has numerous legal troubles.
I 'm a  XXXX   XXXX   XXXX   XXXX  with a   XXXX   year child. I tried to refinance my house and use some of my equity in my home to pay for my  XXXX   year olds educ ational expenses. Over one year ago the title company came back and said the title to my home was clouded as a result of clearly fraudulent assignme  nts by OCWEN.
Enclosed you will find the title opinion from last year. OCWEN REFUSES TO EVEN ADDRESS THIS ISSUE.       How can this be right? I am entitled to use the over  XXXX  in equity in my home and ca n't as a direct result of fr aud by OCWEN. I simply have asked them to fix the assignments. I wanted nothing from them other  than to do what is legally required.
I would like to have this info. removed from my report. 
Cause this is not my information at all.
My Bank of America owned home mortgage was sold to XXXX and I was notified by BofA 10 days prior to the transfer not the required 15 days. 
Also, my mortgage was sold to a bank in TX, a state I have refused to do business with in the past and vehemently refuse to do business with now. Do I have any recourse to find a different company?
Starting in XXXX, I started receiving calls from a company called World Wide XXXX. They state to me they have tried to serve me legal papers, I verify the address and then they get rude and tell me they dont have to reserve me. I have even checked with the sheriff, no warrant. I keep telling them not to call, they tell me they have every right to call. They are rude, they get beligerent and tell me they know their legal rights. 
Now they are contacting family memeber, and my job. They have called my work three times today, finally my coworker told them I 'm not here anylonger and the lady told him that 's untrue. She was pressing him for personal info on me. He ask her not to call and she said she had every right to continue. 
I called back the number XXXX, Case XXXX spoke to XXXX, told her I was recording her, she told me I had no right. She transferred me to a XXXX XXXX that said he was a legal officer, who called me a deadbeat that he had my credit file and that I was a professional con artist. I ask him to mail me whatever file he had and he said it was my responsibility to call the company to collect the data. I told him not to contact me at work, home or by relative. He told me I 'll meet you in court and hung up, only to call me right back. They will only provide a name, World WIde XXXX and the XXXX #. They will not provide the address for me to call. Please help, this is interfering with my job and I 'm a single mom of XXXX with XXXX income. 
I 've ready my rights on the FTC consumer info site and each thing I 've listed above they are in violation.
My M & T Bank check card has had several security breaches in the past year. I had several foreign and out of state parties steal my check card number to make online purchases. I contacted my bank to report the transactions as fraudulent. One of the purchases appeared to be for this company XXXX and XXXX internet AG. There were several months of charges from this company made by this fraudulent individual ( s ). I contacted my bank as soon as I realized the fraud occurred. M & T bank replaced my card and resolved many of the charges. However, XXXX and XXXX com did not cease the fraudulent action. I contacted them directly to advise that this was fraud and to cease billing me. I asked them to tell me what the service was form what name was used to open the account etc. They refused to verify the debt with me and they refused to refund my money. I explained again that I dispute the charges and they are fraudulent and they refuse to cease collection. They now call my cell phone, a number that they never had until I called them. And they are even sending collection notices to my place of work -- -an address that I never provided to them. My name is not affiliated with my work address at all and my work address can in no way be construed as a residence. The company is willfully skipping my place of employment and disclosing my debt to my employer by sending collection notices to my place of work. They have refused my request to verify the debt and they have been advised that this is disputed and fraudulent debt. I am at a loss for how to make this company cease and desist their actions.
I have a closed XXXX XXXX XXXX internet account with hardcopy final bill balance stated as {$0.00} and closed. Enhanced Recovery Company contacted me nearly 1.5 years after the account was closed and claimed I owed {$180.00}. I sent them a certified letter with copies of my final XXXX XXXX XXXX bill showing them that they were making an error. Enhanced Recovery Company then sent negative reports to the credit bureaus within 20 days of their initial contact. I have sent Enhanced Recovery Company XXXX certified letters trying to clarify and get this off my credit report but they do not respond to my demand of validating the debt and any papers that show I actually have a debt.
Credit Acceptance has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
In deciding whether to categorize it as a payday loan or installment loan, the issues that best describe the problem falls under the payday loan category. The company claims to be an installment loan provider ( yeah, right ). The installment loan which is setup and works the same as a payday loan, high interest rate and requires payment of interest on each payday. They just have it setupover a longer period and the entire principal and interest is not due on paydays only the interest payment. It is a revolving payday loan, not an installment loan. The company is not licensed by the State of Florida as I am a Florida resident. I did n't realize this until after I took the loan out and tried to make settlement arrangements and was unsuccessful. The loan process was conducted over the internet not on the tribal reservation. I did not realize the high interest rate and terms of the loan was not in compliance with Florida regulation. After experiencing a financial hardship, I contacted all of my creditors to make payment arrangements on loans I owed, I was successful in getting settlements based on the amount of the loan not the high interest rate and all of them stop the interest rate or cancelled the interest except this company. I borrowed {$770.00} on XXXX XXXX, 2016 and made XXXX interest payment of {$230.00} on XXXX XXXX, 2016. I contacted them via phone on XXXX/XXXX/2016 spoke with XXXX, they informed me the following was the only arrangement they would accept and followed up via email as well. They told me my balance was {$4400.00} and they would settle for {$2200.00} and I would have to sign another ach authorization for them to debit payments. They claimed to have soverign immunity however I have immunity as well from tribal laws as I am not a member of the tribe, did not conduct business and never been on the tribe reservation. Therefore, I do not have to abide by tribal laws. I have tried on several attempts to settle the debt for the amount borrowed. They want a prearrange amount for the entire contract amount including interest through the duration of the loan period. This is a very illegal and unfair debt collection practice.
Rent Recovery has continued to report this debt as open and owed. This was included in a bankruptcy that was discharged XX/XX/2015. This company refuses to close and stop reporting. The RR rep at one point said it would only be removed if it was paid even though it was discharged!
I have repeatedly asked Wells Fargo to stop sending me marketing materials regarding my HSA - and they keep on sending them to me.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX   XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX THESE ACCOUNTS ARE REPORTING BALANCES AND PER FCRA THEY MUST BE DELETED WHEN REPORTING INNACURATE AND THIS BUREAU HAS DONT NOTHING ABOUT IT. 

INCORRECT NAME OF XXXX XXXX REMAINS ON MY REPORT INCORRECT ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Bank of America stated that my account has been converted from eChecking account to an account where it requires {$1500.00} monthly balance. I was not aware of the change, until I looked at the recent statements, where it shows two, $ XXXX monthly service charges. When I called the customer service line, they stated they were not able to waive the fees.
I have a credit card through my bank, Bank of America. I was offered balance transfer at 0 % interest for 18 months with some upfront fee. I took that offer and transferred some balance XXXX approximately {$6000.00} XXXX from the credit card to checking account. I use this credit card for making some purchases as well. I have been paying down those purchases in full every month in a timely fashion. I have also been paying down a part of the balance transfer amount regularly and I intend to repay the full balance before the expiry of 18 months. Yet, I see some interest charge on my account every month. When I called the bank I was told that this because I have a balance in my account left. This balance amount remains because the money owed on the balance transfer offer is not due yet. I do not want to repay the full amount from the offer yet as I already paid fee on the balance transfer offer. Now, it 's bank 's policy to charge interest on purchases as long as there is any balance left in the account which seems wrong to me as I have been repaying purchases every month. Bank has been reversing that interest for the last couple of months after I call them. But I find this practice unfair as I have paid interest when I forgot to call them or when the bank had a customer service representative who was not kind enough to refund that amount. 
In my opinion there are many customers of various banks who are paying this kind of interest even though they keep paying the full amounts incurred because of the purchases due to this policy.
To prevent the borrower ( XXXX XXXX XXXX ) from taking advantage of his rights and prevent a notice of default being issued and putting me at risk of losing my home in foreclosure, the lender and/or the lenders agent have committed the following illegal acts and violations.1. " In violation of Section 6 of the .... ( RESPA ), under Section 6 of RESPA, lender did not acknowledge my timely request within 20 business days. " Lender DID NOT and HAVE NOT acknowledge my timely request to date, long past the period required by the Act, to take advantage of my rights and prevent a notice of default being issued and putting me at risk of losing my home in foreclosure.2. The lender violated XXXX XXXX, when he and his authorized agent ( same as above ), committed perjury under the laws of the state of Washington, when they stated, under penalty of perjury, that he " the beneficiary or beneficiary 's authorized agent has exercised due diligence to contact borrower, ( me ), as required in XXXX XXXX ( XXXX ) and the borrower did not respond ''. Lender ( XXXX XXXX XXXX ) DID TIMELY RESPOND, to take advantage of my rights and prevent a notice of default being issued and putting me at risk of losing my home in foreclosure.3. In violation of XXXX XXXX, the lender and/or his authorized agent illegally filed a NOTICE OF DEFAULT. Attached are copies of BORROWER 'S proofs that the lender and lender 's authorized agent did commit the illegal acts stated above.
I have an Wells Fargo " Opportunity Account '' which allows me to withdraw " {$300.00} ATM & {$500.00} daily spending limit. '' I called into the banking center and spoke with XXXX XXXX to request a stop payment on a ACH for a against XXXX XXXX  on XX/XX/2018  @ XXXX XXXX CST in the amount of {$1800.00} because I knew the payment would not go thru on my debit card because of the amount. But the telephone bank representative submitted my request against my debit card instead and as a result the payment was processed and posted. I spoke with " XXXX '' a manager from the escalations dept. and he confirmed that the bank representative processed my request " incorrectly. '' The tone of the manager, lead me to believe that this error would be corrected and the funds put back into my account. 
The Circumstance for the stop payment is to help with an " serious '' medical condition with my father who is currently sick and requires special medical treatment. 
I explained this XXXX who was very " empathetic '', which made feel like the bank truly cared and everything was going to be okay. 
But when I called back a couple of days later to check the status of the issue, I was transferred to the Customer Care Business Office and spoke with " XXXX XXXX '' who was very " rude '', her tone was " appalling '', and her attitude was as if she could " care less '' about my entire situation. 
Now Wells Fargo non-apologetically, refuses to refund and/or make right their mistake and I've now experienced a financial hardship due to the mishandling of my request. 
I believe the Wells Fargo " misrepresented '' the core of their vision, by violating the " Error and Omissions '' as well as the " Business Practice Ethics '' ultimately failing the customer.
This company states they placed my debt for collections on XXXX/XXXX/16 and I have never received anything from this company regarding correspondence. No phone call, letter or etc and debt is now on my credit report. I also have proof that this company was not added to my credit report until recently not XXXX/XXXX/16.
Greensky pulled my credit report twice leaving XXXX inquiries on my credit report for the same loan. This happened in XXXX XXXX and again in XXXX XXXX. 

When the contractor XXXX fell behind schedule and was not able to get the project completed in time they took it upon themselves to close the first loan, RUN MY CREDIT report again and then open a whole new loan in order to accommodate the contractor. At the same time the Contractor decided to pull my credit report as well leaving another hard inquiry on my credit report. ALL of this happened without notifying me, my prior approval, or permission. 

These additional credit inquiries have caused me financial harm and an through no fault of my own prevented me from getting a much needed loan from XXXX XXXX. XXXX XXXX cited " too many credit inquiries '' as the reason for denying me a line of credit.
On XXXX/XXXX/2016, I accidentally attempted to pay a credit card with my Citi Gold account, which had a {$0.00} balance at the time. On XXXX/XXXX/2016, I was notified that my payment had been returned and was assessed a {$34.00} fee. I then called Citi Bank to close my account with them and was assured that a ) this fee would be waived, and, b ) the monthly fee for XXXX would also be waived, in the event that it took until XXXX to finalize the closure of my account. Little did I know that on XXXX/XXXX/2016, the credit card company attempted a second payment from my Citi Bank account, which I did not authorize. This caused a second returned payment and fee, and prevented the closure of my account. On XXXX/XXXX/2016, I received a correspondence from Citi Bank informing me that my account had finally been closed and that I was " still responsible for paying the overdrawn amount referenced above '' ( {$33.00} ) and that my " account may have been referred to collections. '' It 's very distressing that rather than contacting me directly to discuss a matter that could seriously impact my credit score, Citi Bank chose to send an e-Communication ( not even a personal email ). In summary, Citi Bank promised me that my account would be closed in a timely manner yet they processed an *unauthorized* payment request and refused to waive the corresponding fee, delayed the closure of my account, and referred my account to collections.
Have no idea what these people are calling about I do n't owe anybody anything I have not defaulted on anything!! These people call incessantly using a XXXX and leave long disturbing messages on answering machine. They only give number to call them back which I will not do.
Keeps calling my personal cell phone 3or4 times per weekday sincr XX/XX/2018, trying to reach my adult daughter.l do not have any debt with this company. Why they harassing me?
I have noticed that I have a hard credit inquire from your company on my XXXX XXXX and XXXX XXXX credit file that I did not authorize to acquire. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the understandable language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer because of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/2018 with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated regarding this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, LA XXXX Email : XXXX XXXX
I contracted with Credit Guard to help me to pay off a dental bill along with some credit card bills. Credit Guard had stated the they would pay off the bill in full along with some other credit cards. I would pay {$93.00} a month for 36 months. I was at my dentist office today and they were not paid in full as they should have.
on XX/XX/XXXX, called to cancel our Chase XXXX XXXX credit card, phone # on the card is XXXX XXXX XXXX was on hold and transferred at least 3 times in an effort to cancel the cc. was asked various financial questions that have nothing to do with cancelling the acct. 

reps said they could not cancel the acct because it was under review, not sure what " under review '' means and rep could not tell me. the cc has never been delinquent, always paid on line. I believe this was an attempt to keep the acct active in order to charge an annual fee that is due on XX/XX/XXXX on hold/talking to various reps for approx 50 minutes. Last rep disconnected the call. 

I gave up, called Chase headquarters at XXXX was transferred to credit card services, cancelled card within 2 minutes. 

outrageous attempt to delay cancelling of the cc in order to charge the annual fee.
Experian placed back a Tax Lien which is not mine and was previously deleted as fraudulent. It 's associated with a fraudulent address in XXXX CA. This lien is NOT mine.
I have filed a claim against this company before.and got a judgement in my favor.and now there back on my credit report please help me thank you.!!!!! i dont know my case number