WillisBack/dataset-financial-user-claim huggingface dataset:
We had XXXX XXXX as our internet service provider at our prior address. About three years ago we moved to our current address. When we moved we called XXXX to change our service to our new address which they did. We immediately began receiving invoices at our new address which have been paid on time. What I did not know or understand is that the XXXX representative created a new account for our new address. To make matters worse they never changed the address on our old account to our new address so I did not receive the remaining invoice from our old account. From my perspective it was a seamless billing process since I didn't notice the account number change. As a result I now have a collections account for {$93.00} from XXXX XXXX and their 3rd party collections agent Enhanced Recovery Company for {$93.00} on my credit. I can only assume this happens quite often since it is their practice to open a new account when the service address changes. It would seem to me if XXXX was trying to be responsible partner with their customers the first thing their internal collections team would do is cross reference a collections account with current customer accounts and see if their is an open account. This would be a clue to change the address on the old account and invoice the customer at the new address. I guess it is too easy to just send it out to a 3rd party and damage their customers credit.
I had bill pay set up to pay my HELOC payment ; however, had to change bank accounts due to a compromise. I went on BOA site to pay but only get option to ebill. So I attempt to set up ebill and it was the worst experience I ever seen. It is asking me to add the BOA mailing address, while I am setting it up on their website. I naturally do n't know that so I look for a statement or address on their site. No luck can not find one at all. I have to then call them and spent 30 minutes on hold and got a hold of an employee who could n't help and was to transfer me to online banking for help. About 5 minutes of holding for them, I received an automated response telling me the call could n't be connected to hang up and try again. I have never in my life seen such tactics to delay and avoid accepting a payment from a consumer such as this. I feel like they are intentionally making this difficult and then not responding to the phone so I can be late and collect fees. Please step in and help. I work in banking and I can not figure this out and their employee could n't either so what does that say for BOA. Sounds like a plan to get money!!! I would like my fees credited back for this tactic on my HELOC, credit cards and Vehicle loan. I think that is the least they can for wasting my time and creating a process that obviously will not work. Sincerely, XXXX XXXX XXXX
Based on information and belief, I have contacted Convergent Outsourcing and have requested that they validate and verify the alleged debt that they are reporting on my credit files. They continue to contact me via phone and call my job with threats of filing a court case if I do n't give them my Debit Card number. I just had my credit clean and this alleged debt was just reported on XXXX XXXX, 2016. I was a victim of ID Theft
IC Systems is reporting a collection to the credit bureaus that was the result of identity theft. I have never done business with XXXX and/or IC Systems. The acct # is XXXX for an alleged {$200.00}. This collection account is fraudulent and extortion. I sent IC Systems a cease and desist letter that was delivered XXXX. USPS tracking # XXXX. As of today 's date, the fraudulent collection is still on my credit report. It is causing me harm and damages as I have been declined a small business loan due to the item being on my credit report.
I tried to obtain credit from XXXX XXXX. They informed me that my correct and current phone # is reflecting on my credit report. Since I have a fraud alert I was unable to obtain credit and had a hard inquire effecting my credit score. I have contacting the Equifax on numerous occasions since XXXX 2016 informing them of the situation and they assured me that this issue will be resolved and my correct personal information will reflect on my credit report. This has not take place!
Bloomingdales offered an interest free 12 month special event account, in addition to the normal revolving ( or regular account ) that I initially opened. I made a special event purchase in XXXX of this year, with the intent of paying it down over the course of the next 10 months. It is my practice to pay my entire balance every month on the regular account to avoid interest charges. I have had to call the customer service line to correctly allocate my payments every month since XXXX. It has never been done correctly. Each time they try to correct their error it got worse. 
I stopped shopping at Bloomingdale 's in XXXX, so that I have only the special event account ( interest free ) with a remaining balance, and yet every single month I get a statement showing an open balance on my regular account, and an interest charge. 
I have spoken to numerous credit manager at Bloomingdales. Each has been embarrassed by the mismanagement of my account. Each time, the interest is reversed.

I want to report Bloomingdale 's for their fraudulent practice of charging interest on a special account set up to be interest free.
On XX/XX/XXXX I checked my XXXX banking app free credit report check and found that my score had dropped over 40 points. I then requested an official credit report from XXXX  and found that XXXX XXXX XXXX had created a new collection item on my credit report. This was my first time ever hearing about this. I never received a phone call. I never got a letter to my house ( XXXX XXXX XXXX, XXXX XXXX MI, XXXX ) which I recently moved into on XX/XX/XXXX. No communication came to me of this new collection entry on my credit report. The collection they are claiming I owe is a false claim and I would like to fix this inaccuracy. 

The collection claimed that my account # XXXX was from the original creditor " XXXX XXXX XXXX  ''. On XX/XX/XXXX, I called XXXX XXXX  and spoke with a representative. She confirmed that none of the accounts that were associated with my name had ANY outstanding payments or balance. In fact, she told me that my payment record was perfect. She also told me that both her and her supervisor had never heard of XXXX XXXX selling debt to XXXX XXXX XXXX 

I sent a letter to XXXX XXXX XXXX asking them to inform me of the exact details of the debt that they claimed that I owed. This had been suggested as the best course of action from many sources. 

Please let me know if you need any other information from me and I would be happy to give it to you with great haste. 

Here are the details of the collection entry found on my credit report. I claim that this information is not accurate or true : Account Name : XXXX XXXX XXXX  Account # : XXXX Original Creditor : XXXX XXXX XXXX Account Type : Factoring Company Date Opened : XX/XX/XXXX Account Status : Closed Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated : XX/XX/XXXX Balance : {$220.00} Balance Updated : XX/XX/XXXX Original Balance : {$220.00} Past Due Amount : {$220.00} Terms : 1 Month Responsibility : Individual Contact Information : XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Payment History : XX/XX/XXXX - Failed to Pay XX/XX/XXXX - Failed to Pay
I have not been able to access my accounts with merrill lynch for over a year. In XXXX of 2014 I was locked out of my Merrill lynch XXXX account. I have called the bank for over a year bi-weekly. I have gone into the Bank of America branch at least 10 times. 

The bank is refusing to allow me access to my money, my bank statements or allowing me to shut down the accounts and have my money issued to me. 

I have spent countless hours for almost a year and a half trying to get records and access to my funds. They have refused to help me and tell me to go into bank, I go into bank and they tell me to call. I no longer want to do business with this bank and want my money. I also need my bank statements.
I have reached out to experian to remove a collection from my account on multiple occasions. They are still reporting inaccurate information. I have provided a XXXX  number and I have also provided court records, they still refuse the remove the following information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Per FCRA experian must : modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ) I have  provided court documentation twice, along with XXXX case number, but Experian still report this on my credit and they are in direct violation of FCRA.
Equifax repeatedly prevents me, despite being a victim of ID Theft from receiving my copy of my federally protected CREDIT REPORT
Equifax merge my credit report with someone else then refuse to take the inquiries off. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
My credit report shows that I am responsible for a debt of {$1800.00} for an XXXX from XXXX XXXX XXXX in XXXX, NJ from XXXX. This amount was already paid by my insurance company, XXXX, and I paid the co-pay. There is NO outstanding balance on the account. REMEX is the collection agency that has reported the debt to XXXX.
Experience is Knowledge, and Knowledge is power. 
XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX ( XXXX ) XXXX Thursday, XXXX XXXX, XXXX XXXX. 
XXXX XXXX, VA XXXX Attention : Consumer Solution Department As of XXXX XXXX, 2016 the named company received my mortgage as the Server. To date, I have received no correspondence from Loan Care. I contacted my old Mortgager and was informed to wait for a new loan number from the New Server, Loan Care. 

My transfer letter states that during the next sixty days, no late fees may be charged to me, until the Loan is properly transferred. 
I am presently receiving harassing automated calls from Loan Care. A follow up call says that this is a courtesy call reminding me that my loan is due on XXXX XXXX, 2016. I contacted Loan Care via phone and was told that the Harrassment Calls could not be halted unless I write a request. 

Please consider this my request, that automated Harassment ( courtesy calls ) must not be made to my phone. I pay for this phone service for my business use. Your continued harassment will be reported for what it is : an interruption of my peace, disturbance of my livelihood, an intimidation. 

Please immediately stop future calls to my number, ( XXXX ) XXXX.
About a month ago I submitted a complaint to the CFPB regarding XXXX XXXX and Navient, and their response was a stock answer which looked a lot like the annual disclosures that are sent. The original loan was opened in XX/XX/XXXX, I graduated in XX/XX/XXXX. 19 years later my balance is still roughly the same. I have called Navient many times to try and get to the bottom of this as there have been easily over 10 years that I have made payments, at one point the payments were over {$120.00} a month and that was well over a years worth of payments. Navient is now the servicer on XXXX XXXX loans which means I cant get any type of payment history or balance history from when the loan was with XXXX XXXX which was with them for over 10 years and I paid them on a monthly basis for years. I need a balance from day 1 in XX/XX/XXXX when I started college, with all payments and interest included but I have never been able to receive such documentation. I am a good record keeper but this is 20 years in the making. Like my previous complaint stated no way should my balance be what it is so I put the loan in forbearance because i am not paying anymore towards it until I have an accurate balance showing all payments and interest. Why is it so difficult to pull a previous payment history? Also how do I learn more about student loan forgiveness as I do have a XXXX. Submitting this thru the CFPB is a way of having a 3rd party monitor the correspondence between myself and XXXX XXXX and Navient as I have gotten no where trying to get answers on my own. The balance is currently around {$6700.00} which is about what the original balance was 20 years ago. Its just common sense that the balance should n't be anywhere near that.
Equifax is reporting an account from XXXX XXXX XXXX XXXX which is more than 8 years old since the last delinquincy.
I am the Trustee of the XXXX XXXX XXXX Revocable Trust. XXXX XXXX is XXXX. She opened her CD in XXXX XXXX XXXX  Pacific Western Bank a year ago. Her CD in the amount of {$160000.00} matured on X/XX/17. In XXXX of this year, XXXX XXXX  moved into XXXX XXXX. She needed her funds for her care. I sent a letter of instruction dated XXXX XXXX, 2017 requesting full liquidation on the maturity date and included a deposit slip with transfer details. I was informed PWB could not transfer the money. I offered to come into the branch but it was now closed and the accounts moved to XXXX. I was advised the check had to be mailed. I did not receive the check. I made several calls and was advised to just wait. After many weeks I was asked to send a deposit slip and voided check so they could walk the check to XXXX XXXX XXXX  bank ( XXXX XXXX ) for deposit. I was then contacted by : XXXX XXXX  Assistant Vice President Branch Operations Manager Pacific Western Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX XXXX XXXX XXXX XXXX told me all previous bank associates were not giving me the correct information. They could not reissue the check because it was a cashier 's check. I would now have to complete a stop payment and declaration of loss and indemnity form before they could start the process, then wait 90 DAYS before reissuing. The form was ambiguous. I had my client 's attorney review. There are protections for the bank but not for the client. I do not want to sign this form.
Specialized Loan Services ( SLS ) issued a XXXX to cancel the foreclosure debt in XXXX. In XXXX SLS sold my information to XXXX XXXX XXXX ( XXXX  ). XXXX XXXX XXXX purchased the information and some how got a judgement against me in a Wisconsin Court. XXXX XXXX XXXX contacted me in XXXX stating they had a garnishment against my wages from a court date that happened in XXXX. I was never notified and did not know about the court date to try to show that the debt was cancelled and no longer a valid debt. Several attorneys have told me that it is illegal to " double dip " meaning getting a tax break from the government by issuing a XXXX and then selling the bad information so that another company can collect. I would like for this to stop. I have notified the XXXX XXXX XXXX  that this was a cancelled debt and they refuse to stop with the garnishment. Stating that it is a different account number.
I called the credit card company and made an offer to settle my account for less than the amount owed due to my circumstance ( recently widowed with overwhelming debt ) I made the offer of XXXX and was told they would accept XXXX which I immediately paid via the telephone. Today I received a bill for the outstanding balance! When I called I was told that the bank did not approve the settlement. When I said I gave the payment and it showed on my account I was told that it was from an agency. I had no idea I was not dealing with the bank since how did this agency have all my information on this debt. I asked for the money to be refunded so I could start the correct settlement on my account and they refused. Now they have my money and I am still in debt and they told me to negotiate. With what? They already have my money.
On XX/XX/XXXX, I was notified by XXXX XXXX Customer Service my account was in collection and was sent to XXXX XXXX XXXX ( Contact # : XXXX ). This was the first time I was notified I was overdue. I have not received any notifications from either XXXX XXXX or the Collection Agency ( XXXX XXXX XXXX ). I immediately contacted the Collection Agency to figure out how this happened. 

History : On or about XX/XX/XXXX, I purchased some items from XXXX XXXX XXXXr. This line of credit was through XXXX. On or about that same year, XX/XX/XXXX, XXXX closed the XXXX XXXX XXXX website requiring XXXX XXXX XXXX XXXX XXXX to link their XXXX accounts. I linked my accounts, as required and requested by the website. Additionally, I verified it was done by trying to re-register, but it gave me an error stating my account had already been linked. In addition to my XXXX XXXX XXXX I have a XXXX XXXX  Account. The registration should have linked my overall XXXX account, but I am unable to see my XXXX XXXX XXXX account status ( website is shut down ) or unable to see a balance on my XXXX Account. 

XXXX Customer Service/Collections stated they sent email messages and mail to my home address listed. I always monitor my account information and update the address as needed. XXXX XXXX   stated their process is to send out email notifications first, followed by letters to the address on file and as a last resort calling the phone number listed. 

I was not afforded my due process to respond to a debt prior to collection. Furthermore, since the systems were not linked, I was unable to see a remaining balance due. My account has been overdue for over 400 days yet nothing reflects on my credit report. How can a consumer be charged late fees and interest on a balance he or she is unaware they owe due to a poor notification and system miscommunication/technical issues? 

Over the 400 day period, my balance went from {$170.00} balance owed to {$360.00}. The difference in balance can be attributed to late fees and interest charges. I do not dispute I owe a balance of {$170.00}. I made those purchases and do not dispute the charges. The remaining {$190.00} ( interest and late fees ) is a gross overcharge and should be reflected as a bad credit card practice when the consumer has no knowledge a balance is due. As a consumer, I should have protection and provided due process.
BANK OF AMERICA XX/XX/2018 As trusting B of A for the last 34 yrs, As being a member I have become at this day of XX/XX/2018 a VICTIM of my personal finances, name, home because of requesting mortgage Assistance as of receiving a letter at my home on XX/XX/2018. As of today I fear the worst, with how I continue to receive at this time frame of 45 days to prepare for my mortgage payment to change with Increases of difference of a over 100 % increase? Letter attached is prof of the facts Iv'e stated above. I take responsibility for my mortgage payments as paying on time and paying the monthly payment of {$1800.00}, But the letter indicates in my terms of my loan had XXXX yr period during witch my interest rate stayed the same, That period ends XX/XX/2018 .So on this date XX/XX/2018 your INTEREST AN PAYMENT MAY CHANGE. with at this time there estimate of increased new payment was {$3400.00}, As I stated I applied with B OF AMERICA for Mortgage Assistance as after contacting B of A and trusting them with there telling from the mortgage and loan dept .As a few weeks had passed I called to see about the progress of this 6 page application I was told to find online ' fill out the required question that pertain to my needs of assistance of need some help with this increase of Mortgage payment.? ANSWER ( no record ) of application process in there system .I was devastated with knowing i had little time to resend this application again, certified mail this time .On XX/XX/2018 I get a letter from B OF AMERICA that saying The servicing of my home loan will transfer to XXXX XXXX XXXX XXXX? Why GREED AS B of A SEES a easy way to sell my loan off TO MAKE MONEY .and DID .Now with the NEW payment even higher at {$3700.00} .This is the part that has made me sick, the letter basically has left me dealing with XXXX  TO GET ASSISTANCE, As I have contacted XXXX  ON XX/XX/2018 they REPLIED I'm not in there system try back in 5 to 7 business days? I have to only believe B of AMERICA has failed in my privacy of personal info mation within them selling my loan as a high risk as chance of forecloser to the world of scams, fraud companies harassment, calls and emails asking if i need to borrow money, my home is going into fore closer, This is really a blow to the head, since I NOT EMPLOYED AS B of America was told by myself sending them my application for some type of assistance. This has caused myself to become fearfull of losing my home for asking like I stated trusting B OF AMERICA, Thanks for reading can you PLEASE HELP ME SAVE MY HOME OF 17 YRS????????
On or about the beginning of XX/XX/2018 I was notified by email from XXXX XXXX that they were servicing a student loan in my name. I requested documented verification that this debt was, in fact, something I had taken out and to date, I have received nothing. After multiple emails and calls, I received a pay off amount of {$8600.00} from a customer service representative. I paid that amount in full on or about XX/XX/2018. I am now receiving threatening emails and calls about an outstanding and overdue balance on the very account I have paid off. After multiple calls I am being told I have an outstanding balance of {$63.00}. I have been requesting information and documentation about this debt since XX/XX/XXXX and have not received any documented indications that this debt is in fact mine. I have requested that XXXX XXXX   preserve any information about this loan for litigation purposes and when I asked for a contact in their legal department I was declined. When I looked online for a person that could accept service there was none listed, not even an address.
I contacted Navient Solutions about making a payment on my private student loan. I spoke to XXXX customer service representatives that were very rude. Both representatives yelled at me within moments of speaking to them. The female representative did not answer my questions and spoke in an aggressive manner the whole time. She asked me questions that did not seem relevant in finding a solution to my situation but more aligned with her aim to be as verbally abusive as possible. She blamed working late hours on the reason why she was so rude. She also said she was not in customer service as another excuse to be so patronizing and verbally abusive. I finally received the answers and a solution to my problem when speaking to their supervisor.
Please add attached documents or merge this complaint to disputed complaint / case # XXXX Mortgage was reported and discharged by XXXX XXXX. 
XXXX XXXX was never my lender and should NEVER have created a NEWER item in my credit report that will last 3 more years and add an additional negative item to my credit. They have been unwilling to rectify their error and there are close to XXXX other complaints on record with CFPB for this organization.
I received a letter stating I owe {$600.00} to XXXX from a collection agency I called XXXX and when spoke to a phone associate and mention I did n't use XXXX and never use there cable or requested there service he mention a name that I do n't know the person when ask to verify if the information they had on file was correct and I let him know that my SS # is mine but not the name they had on file so was transferred to fraud department I told him the same information but now he would n't give me the name and city were the account was open that I had to submit my ID and a police report so I went to my local police department they said I have to file were they used my information that I could n't file a report local so again I called XXXX now they said I needed a supina before they could release information but I ca n't place a police report cause I do n't know were they used my SS # and XXXX wo n't give me that information so I called XXXX to place a fraud alert on my name and I also file on FTC.GOV/THEFT wed site so now I do n't know what else to do please help.