WillisBack/dataset-financial-user-claim huggingface dataset:
I received a collections notice regarding this balance on or about XXXX. Pursuant to my rights under the FDCPA, upon receipt of that notice I responded appropriately to dispute that alleged debt, requested verification of the alleged debt against me, and that a copy of the bill be mailed to me. I never received any response from any agency regarding this balance and assumed it was resolved.
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In XXXX XXXX, I identified a ( meritless ) derogatory remark on my XXXX  credit file in XXXX XXXX from Enhanced Recover Company, LLC. I had no prior contact with that company prior to that remark. I called ERC onXX/XX/XXXX. They had no records of any prior notices sent by your office or any other debt collection agency, nor could they send me verification of the alleged debt at the time of the XXXX XXXX call. I received a letter from ERC dated XXXX XXXX however it fails to provide the other required items required by the FDCPA 809 ( 15 U.S.C. 1692 ( g ) ), including sub-sections ( a ) ( 3 ) - ( 5 ).
I was initially contacted by this agency and informed about an alleged debt. I then informed them of my bankruptcy case, and the inclusion of the original creditor they were attempting to collect on behalf of. 

The call stopped for a little over one month, then I began to receive credit monitoring alerts regarding a collection being reported. 

It turns out this company just, up and decided to start trying to collect during an automatic stay after they were notified. 

I contacted them regarding this new collection reporting, and they indicated that their compliance department handles this, but they could n't transfer me, nor could they talk to me.
This is a complaint against Encore Capital Group and its continued collection of a debt while the account was under investigation and is still under investigation for fraudulent charges. On XXXX/XXXX/XXXX the judgement against me initiated by Midland Funding was set aside because of lack of sufficient service. The writ of garnishment was squashed. In court, I was handed an overview of the account ending in # XXXX and I stated in court that charges that created the balance were not mine. ( see minute entry XXXX/XXXX/XXXX and XXXX pages of spreadsheets printed by Midland Credit Management ) The funds that were obtained from the first garnishment that was quashed, my employer had to assist me to get the funds returned from Midland Funding LLC. ( see attached emails dated XXXX/XXXX/XXXX ). Over the course of next several months, I filed XXXX motions to compel against Midland Funding LLC, on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX but was told both times by Midland Fundings ' attorneys, they had no more information on the debt. At the XXXX/XXXX/XXXX Motion to Compel hearing the Judge ordered an FTC Fraud Affidavit to be filed. XXXX See minute entry XXXX/XXXX/XXXX ) I sent the FTC Fraud Affidavit along with a Police Report to XXXX XXXX XXXX Attn. Fraud Investigation. I informed Midland Funding LLC. I was a victim of fraud and I had submitted my FACTA request to the creditor. XXXX see letter dated XXXX/XXXX/XXXX to XXXX and XXXX XXXX After filing a CFPB complaint # XXXX against XXXX the original creditor, the FDIC opened a complaint ref # XXXX dated XXXX/XXXX/XXXX. That complaint is still unresolved and the FTC Fraud Affidavit is still an outstanding issue on this account. On XXXX/XXXX/XXXX Midland Funding LLC sent me the notice of wage garnishment to collect the debt ( see Response To Initial Notice Judgement Debtor/Request for Relief of the Order for " Writ of Garnishment '' and supporting documents ). In XXXX XXXX Midland Funding LLC garnished my wages for the Judgement dated XXXX/XXXX/XXXX for a total {$1500.00} On XXXX/XXXX/XXXX, despite my objections because of the fraudulent charges, Midland Funding LLC still requested a Motion of Continuance for there garnishment.
I am complaining about experian credit reporting agency. I have been disputing incorrect information on my credit report with them. Now today I tried to re-dispute the same incorrect information and the system would not allow me to do so. A message came up after I put the items in the cart telling me I have already disputed this information and they will not re-dispute nor re-investigate the incorrect informaiton. I tried to add a personal statement to each one and I was not allowed to do that either. I have complained to the XXXX as well as experian will not allow me to re-dispute incorrect information. To be very specific and not to delay in processing my complaint. The following errors are reporting on my experian credit report : XXXX XXXX : was never paid late. I contacted XXXX at XXXX XXXX and left several messages and never received a return phone call in regards to this matter. XXXX ext : XXXX ... ..XXXX is reporting XXXX seperate loans. This is wrong I only had XXXX loan with them not XXXX ... ..XXXX credit card : never paid late ... .XXXX/ account paid in full before they sent this over to collection. It should have never been sent over to collection in the first place as I paid this account in full. XXXX keeps telling me I was to pay the XXXX and not XXXX directly. Regardless they received the money from me because it was the same account number.
Over the last 6 months I have received over 20 phone calls calling to collect a debt. The robo caller is asking for somebody named " XXXX XXXX ''? That's not anything remotely close to my name. I have called multiple times to inform them that they have a wrong number. I am blown off.
I attempted to contact XXXX XXXX XXXX & XXXX XXXX multiple times since XX/XX/2018 and even sent a written correspondence requesting that they remove an inquiry that was reported on my Credit Report that I did not authorize. 

They informed me that they have no information on file for me. They told me they would have the inquiry removed and never removed it. 

I tried to reach out the all three credit bureaus ( Transunion, XXXX & XXXX ) and was told they will not remove any false or inaccurate inquiries and I would have to contact the " furnisher '' myself.
I am supposed to have a security freeze on my credit file in which when my credit is ran I am supposed to be contacted by the credit bureau. I now have multiple inquiries on my report that I was not notified about. I have contacted XXXX, XXXX, and experian as well as the creditors who ran my credit asking that these inquiries be removed from my credit report. They have not been removed at this time.
I am a customer of Rushcard for several years. About 2 weeks ago they had a system change which rendered my card useless. Since then my balance is missing XXXX I tried contacting member services for days. The phone would hang up after XXXX rings. I sent emails and XXXX messages that were unanswered. After finally holding for XXXX hours I get a rep that says he sees the discrepancy and will send it to the risk team and I will get a call back. I have not received a call. As of today the systems are down again. This is insane.
I do not owe XXXX XXXX XXXX or XXXX Apartments. I have abided by all contractual obligations and have paid rent in full covering the entire stay in the apartment complex. I left the complex and paid my rent in full. There were XXXX instances which the complex was unsafe as direct result of management neglience which caused me to suffer theft of property and put my life in danger due to possible fire. That was the reason I left the complex. As the result of their unlawful claim in my credit history, I have been denied to rent elsewhere.
1 ) The communication with Federated Mortgage began as early as late XX/XX/2018 and is ongoing. 
2 ) We have exchanged in excess of 100 emails, facsimiles, statements, lease contracts, tax returns, XXXX, status requests, and confirmations of progress.

3 ) I have already paid {$550.00} in good faith for an appraisal on one of the homes under consideration. 
4 ) During the span of time indicated between XX/XX/2018 and XX/XX/2018, Federated has made repeated requests for the same documents with huge gaps in time lapsed in response. The entire process has been vague specifically with regard to the cause of delay which has subsequently triggered further delays.

5 ) I have expressed my ongoing concern about how the initial rate expressed would be impacted by the long process and received assurance that protection would be provided in the form of extensions.

6 ) Over the most recent month, Federated conveyed and introduced origination points that if not paid would cause the initial rates to be increased.

7 ) The process to refinance an existing investment property while leveraging a fully paid principal residence remains outstanding.

8 ) In conclusion, I have made an effort from the onset to be transparent with my intents to preserve both properties, comply with each request for documentation, only to find no closure in completing the transaction.
XXXX account paid in for XXXX 2015 this has been left open with no XXXX credit limit. Account was paid in full and closed 2015.
This card was payed off at the end of XX/XX/XXXX and someone started making purchase s in XX/XX/XXXX that I wasn't aware of and then they defaulted on it in XX/XX/XXXX.i wasn't aware of these fradulent charges untill recently.
In the beginning of XXXX I reviewed a copy of my credit report and found that National Credit Systems was reporting information on my credit report that I was unaware of. On XXXX XXXX, 2016 I mailed them a letter requesting validation of both of the accounts they were reporting. They only responded to one of the accounts and the other account they sent a letter but were only trying to get me to pay something they refused to validate. They did n't reference the original creditor or their contact information either in their response. I specifically requested a copy of the signed contract along with a break down of the amounts they were stating I owed. I ca n't understand how or why I could owe anything especially 2 different amounts. I know I put a deposit down on the apartment complex they are claiming I owe for and they do n't show any records of that. Instead they show me owing a balance of {$1000.00} then a second fee of {$2100.00}.
I worked out a paying plan with original debtor in the understanding that it will not affect my credit, but my name was sent to a secondary debt collector and that led to the damage of my credit report. I have being making my payment plan without defaulting.
I have filed a dispute with Equifax INC many times concerning this matter.I have spoke with the Equifax fraud department many times concerning unauthorized inquires from XXXX XXXX  XXXX that was placed on my Credit Report.I have asked Equifax to remove the unauthorized inquires from my report, but they refuse to do so, they told me that I need to speak with XXXX XXXX  about the inquires.Well I spoke with XXXX XXXX about the inquire which they are showing that I never had an account with them.They all so send a letter to Equifax and myself showing that the those inquires need to be suppress from my Equifax Credit Report.I have resent the letter that send to me but Equifax still refuse to remove them from my Equifax Credit Report which is outrageous that Equifax is allowed to do this which can harm people lively hood and creditably on their jobs.I will be attaching the letter that was send for verification to all three credit Reporting Agencies.
XXXX XXXX2018 XXXX XXXX XXXX ran my credit for no reason knowing that my family member did not need a co signer they just ran it to run it. I got 3 hard inquiries.They ran it through XXXX XXXX XXXX and XXXX. i ask them to call the financial and to get them to take it off my report they denied saying it want hurt my report but recently i applied for a credit card and was denied because of all the inquiries. I would really like for these three to be pulled off all three of my credit reports.
I filed against U.S. Bank refused refund {$900.00} for unfair and deceptive bonus practices. 
I did visit at U.S. Bank today dated of XXXX XXXX, 2015. in addition, U.S. Bank employee did n't give me more power reward at see below descriptions : I filed against U.S. Bank refused refund {$900.00} for unfair and deceptive bonus practices at below : We 're glad you 've chosen to bank with us. Unfortunately, the checking account you 've selected is not eligible for a bonus. Valid accounts for the {$120.00} bonus offer include U.S. Bank Silver, Gold or Platinum Checking Packages. As a reminder, to earn the bonus you must also complete XXXX or more direct deposits totaling {$500.00} or more, OR XXXX or more transactions using U.S. Bank Bill Pay within 60 days. 
I was not happy with U.S. Bank addresses:
XXXX XXXX-i have never had it, in 2017 i was and still with XXXX XXXX XXXX. Don t understand how and why I'm being charged for this bill.-my x and his family h as used my ss # in th e pastt, been cleaning up this mess for years.please help m e take it off myh credit. Ty
I have tried numerous of time to settle this fraud issue with Citibank about my checking and savings account and XXXX XXXX, whose phone number is XXXX failed to contact me to resolve the issue. He did not look into this fraud activity nor did he call me back to discuss the solution Citibank was willing to do about my account. I filed police reports in regards to this matter and still have not heard nothing from the bank. I am tired of the run around I receive from this institution and demand he be fired and my account becomes unblocked for daily use. This account has been blocked for over six months now in regards to this issue.
I have requested that XXXX provide me with verification and validation but to no avail. This is not my debt and i never received any notice of this alleged debt. Now they continue to call and may threats
I purchased a vehicle through XXXX in XXXX in XXXX. From the get go the deal has not been good. The dealership lied to me, and would not take off gap insurance that we asked to be taken off a day or so after the loan. Now, the dealership did not inform me that the customer service for the financial institution is all outsourced to XXXX or the XXXX. I can never get anyone who speaks XXXX at Ally Financial, and now, today, I learned that they have taken almost {$600.00} too much out of my account. My payment was supposed to have been {$290.00} and they took over {$790.00} out. I have a corporate contact at Ally due to some of the other issues we 've had and even she argued with me saying that it appears I initiated the payment to go through. I did imitate XXXX payments, XXXX for {$150.00} and XXXX for {$290.00}, but for whatever reason they charged what they did. I have had to go to my bank to dispute the incorrect portion. 

Ally Financial is a joke! They are hideous and they do not help. I also have reason to believe I was hacked when the car deal went through as I have had to change banks, phone numbers, and even email addresses since purchasing this car. We may have been hacked prior to the car deal, but we have had nothing but trouble and my credit score has dropped significantly since all of this happened. The issues I 've had are well documented, and I eventually had to email their investor relations just to get someone who spoke XXXX to call me. 

Today is the last straw. They will not help me with the incorrect amount they charged out of my bank account and I have to file a dispute with my bank now. I am so upset about all of this. 

XXXX XXXX
u always apply and they always denied me i never apply o had a capital one credit card o even a credit card that i have to give down payment a secured card and thats not fair
XX/XX/XXXX XX/XX/XXXX Transunion, XXXX  and XXXX have items on my report that are deemed unfair which also limit me from improving my credit. I tried to get in contact via phone with those credit bureaus with no response. I would like to dispute those reports to help improve my credit in order to move forward with potential future finances. Thank you for help!
In XXXX, without notice, Bank of America force closed XXXX of my accounts without any notifications, reason, or consent. When I asked them for a reason, they said I would receive mail detailing the reason ( which I have not received ). They did not tell me I still had a {$25.00} balance on one of them. 

Fast forward today, I noticed a derogatory mark on my XXXX report. I called into Bank of America today asking why there was a derogatory mark on my credit report. They initially claimed it was because I failed to make payments for 60 days. When I pressed with information that it was closed in XXXX, they claimed it was closed without my consent for some " internal reasons. '' The account was set up to auto-pay {$25.00} each month until the balance reached XXXX. After running my second to last payment in XXXX, they closed the account with {$25.00} remaining and provided no way for me to see what account was closed, what balance remained, and any methods to pay off the remaining balance. 

Bank of America offered to submit a form to expunge this record from my XXXX report, but stated that because it was in collections, I could not pay off the {$25.00} to BoA but instead needed to go through XXXX to find the collection agency and pay off the balance there. I called XXXX to file a dispute of the record and find the collection agency responsible for the {$25.00} debt. XXXX claimed that the balance was not in collections. 

Lo and behold, Bank of America also failed to notify me that they reported the " delinquency '' to XXXX as well. Now I am not sure if they reported it to XXXX or any other agencies. After spending an hour with XXXX to dispute the mark, I found it ridiculous that I had to clean up Bank of America 's mess. This should be Bank of America 's responsibility to clean up the mess they caused. They intentionally harmed my credit report and provided no means to settle the remaining balance, which I could happily do right now. 

I am in the process of purchasing a house and Bank of America is costing me both opportunity costs and higher interest rates as a result of their mistake. Please CFPB, set Bank of America straight.
COLLECTIONS ON MY CREDIT REPORT ARE INCORRECT AND CAUSING ME FINANCIAL HARDNESS. 

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
Eagle Loan Company filed a judgement against me because of an old loan XX/XX/XXXX in the amount of XXXX, which was reported against my credit bureaus. Eagle loan company filed another judgement in XXXX XXXX court in the amount of XXXX for the same loan that was taken out XX/XX/XXXX ; they have just filed another judgement for the same loan in XX/XX/XXXX in which i received notice in the mail regarding the judgement for the same loan. I have not received any other attempts to collect this debt. I think that it is unfair that XXXX judgements for the same loan was filed against me in court without any attempt to validate, settle or take care of the debt.
XXXX XXXX XXXX Disputed unpaid Cap One collection {$310.00}. Please initiate a consumer complaint against this agency.
On  XXXX   XXXX ,  2017 , I signe d up ( o n-line ) to join the  XXXX   XXXX   XXXX   XXXX . I was expecting a bill and a membership card in the mail. Instead, I was signed up for a credit card with Comenity Bank. In  XXXX , I started getting collection calls from Comenity bank. They told me to contact  XXXX   XXXX , who told me to contact Comenity Bank and round and round about  XXXX  times.     Next, I asked the collection callers to open a dispute. They said the form would come in the mail. It did not. I asked them again and they emailed it to me. I kept them on the phone while I filled it out and mailed it. Now the dispute is closed and they ca n't seem to explain why, except they still want money from me and the collection is still on my credit report.     They have wasted hours and hours of my life. I have attached the initial emails from the club, welcoming me as a member and giving me a membership card. No mention of a credit card ... I 've also attached the first emailed notice from Comenity bank, just sent yesterday. All other contact from the bank has been by phone.
On XX/XX/XXXX I sent a letter, certified mail return receipt, to XXXX XXXX ( MCM ) letting them know that three debts reporting on my credit report, in the amount of {$560.00}, {$660.00} and {$850.00}, by their company was a result of ID theft and fraud ; therefore, I asked them to verify the debts. The company did not verify each debt as stated in my validation letter. 

XXXX XXXX/MCM is not giving me due process at law. For some reason they failed to provide proof that I had signed any contract for the alleged debts ; however, they sent me a copy of a bill, a portion of a contract that I have never seen and a statement claiming they did not understand what I was asking them to verify. On XX/XX/XXXX I sent a second letter, certified mail return receipt, letting the company know they had not properly validated the debt as belonging to me, so please remove it from my credit file. Most importantly, I attached a FTC ID theft report. 

XXXX XXXX ( MCM ) continues to get favor from the credit reporting agencies, causing them to initiate reinvestigation, but I do not have proof of the validation I have requested. The back and forth process between myself and the credit reporting agencies actually began late XXXX, and MCM continues to report the fraud accounts to my credit report.
Our mortgage company ( Ocwen ), after charging us an undisclosed fee ( without ANY written notification ) has emailed us a notice that they are moving forward with foreclosure procedure. This is despite the fact that we are current on our mortgage. In our 13 years with this mortgage we have never even been late on a payment. Even their phantom fee which they have charged us ( again, only verbally over the phone ) was not a full month behind their schedule when they sent us the letter. 

We reported some of their fraudulent activity in a past case ( XXXX ). However, their attempt to resolve the issue has taken a dramatic setback when their fraudulent activity and inability to deal with it in a timely manner is now going to cost my family a negative mark on our credit score and potentially the ability to purchase a house that we were hoping to offer on today. 

The primary reason for my suspicion that it will not be dealt with is their reputation. There have been XXXX of homes foreclosed on illegally over the past few years. As always, it has been very difficult to get anyone from the company to talk with you. I finally have the number of someone who can actually make a decision, but am now having trouble getting a hold of him.
XXXX I called Goodyear to complain about a {$10.00} FEE when I withdrew just {$20.00} from my XXXX XXXX XXXX ATM, on XXXX XXXX, XXXX. Goodyear employee told me that they were just following the law and the fee was valid. I believe it is usurious to charge 50 % fee for a small cash transaction of {$20.00}, Goodyear would not budge on eliminating the fee. My credit is XXXX with Goodyear having paid off purchase of XXXX tires.
I received a call from a XXXX XXXX claiming he was a lawyer with XXXX XXXX XXXX and that I was due to be receiving a judgement against me for a total of {$3700.00} either at my home or place of employment and to call him back at XXXX XXXX XXXX.

When I called him back he refused to provide me additional details and insisted that I was going to be served this judgement, would not provide documentation as requested, told me that I was being charged with fraud, and hung up.

Later that same evening my mother received the same phone call from this person with the same claims.

This morning I received a call from a XXXX XXXX at XXXX   stating " My name is XXXX XXXX. At this time I have been retained to come in contact with you to serve you legal notice either at your home or place of employment. If you need to reschedule delivery please call XXXX. '' On XX/XX/XXXX I called the local police and was advised that this was a scam and to contact consumer finance and not give out any information.