WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX tried to collect my medical bill without my creditor 's approval, XXXX XXXX XXXX. Apparently XXXX debited my checking account for the amount of {$1300.00} without my approval. As it turns out, I paid the medical bill a few days later with a check to XXXX XXXX XXXX, without realizing XXXX debit against my checking account. In my opinion, this transaction was a totally a fraud. I complained this to my bank. My bank credited the amount within two weeks.
I received a letter from Monterey Collections stating that I had an outstanding bill for Medical services in the amount of XXXX. I have called them three different times left messages and no calls returned. I have now received From Protect My ID account that this company has now added a Negative Rating on my Credit for a bill which I knew nothing about. Doing some research I found out that they bought receivables from a company named XXXX , XXXX which is being investigated for fraud by the Federal Government. I have contacted both XXXX and XXXX and disputed this charge. I have never been late on any bill and have always paid what I owed. I do not know what these services were nor to I think they are justified. I do not even know who ordered these presumed tests in my behalf. I have always had insurance coverage and have paid any deductibles or co pays when I have received a legitimate bill. This charge smacks of fraud and I would like this taken off my credit information as well as having Monterey Collections seize all further action for a fraudulent charge they are not due.
After 18 disputes with XXXX credit reporting agency, and their failure to remove information from my current credit report, they have acknowledged that the information of inaccurate public record information was supplied by LexisNexis risk management and XXXX XXXX. 

In a direct correspondence with LexisNexis risk management, they responded that no such information bearing my name should be reported, and still it is reported, and based upon a response from XXXX onXX/XX/2018 XXXX  stated that the information was supplied by LexisNexis, which is in contrast and opposite of what was written and reported by the direct contact to LexisNexis. 
In that this information ive been unfairly reported inaccurately on, and the only solution is payment for 17 separate violations or advising Experian to remove such information as inaccurate.
A law firm sent to me a letter stating that they were of counsel for Pinnacle Credit Services , LLC, and that they were stating that I made an identity theft claim on a debt with XXXX XXXX. This in itsels is a complete fabrication. I have attached both correspondences from XXXX and XXXX XXXX, XXXX. Both entities are in serious violation of the Fair Debt Collection Practices Act, and have mutilated my personal credit without justification. I make the following criteria to show that there is nothing more to this collection other than an abusive collection on a debt that can not be validated. 

The Federal Trade Commission made the following determination on the proper debt collection process through a lawsuit they filed in XX/XX/XXXX, resolved in XX/XX/XXXX known as FTC v. XXXX XXXX XXXX XXXX. There must be three criteria on the valid collection of a debt. 

# 1 The debt must be proved owed to the initial entity. 

# 2 There must be a valid assignment or sale of debt to a third party, backed up by true copy originality. This is without exception, thus stating that all debt pool findings of debt by licensed collection agencies as immediately invalid. Also, the licensing of every collection agency must be on all letterhead, a fact missed by Pinnacle Credit Services , LLC. 

# 3 The debt collection process can not exist if outside the legal collection parameters of the domiciled jurisdiction of the debtor. If Pinnacle states that they purchased the XXXX debt in XX/XX/XXXX, where is the signed proof. Simply stated, there is no proof as the debtor 's information was received through a highly questional if not unethical debt pooling system that will most likely be shut down by the Federal Trade Commission in fiscal year XXXX. The FTC is now holding national meetings on how to fix the deplorable debt collection business. 

The Crosstown Law letter s a joke, whereas the legal entity of Pinnacle Credit Services LLC are very subtly stating that in essence they have no existence of legal transfer of a XXXX debt. In addition, if they did the debt would have exceeded the legal collection timeline in the New Jersey jurisdiction in any event. I demand that I receive a noticve that the collection process has been cancelled, and that my file is being purged, in addition to the collection being removed on all pertinent credit reporting agencies. 

The debt collection system is broken, a press release by the Federal Trade Commission in XX/XX/XXXX. Pinnacle Credit Services LLC is at the bottom of the pool in the method they use with American consumers. It 's time we expose their legal entities that carry on with the same collection practices.
Went to rent a car from XXXX XXXX XXXX in XXXX. Was informed that XXXX and XXXX are the same company and I was on XXXX do not rent list. I was told to contact the do not rent department of XXXX ; I did. They referred me to a collection company in California XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I called an spoke to XXXX at the company. I asked for a copy of the bill, signed contract and orginally inovice. I was told those were not available. I stated that on XX/XX/XXXX that the CSR could see the contract on her computer screen. He stated that the contract # XXXX had been recycled and not available.
However, 2 hours AFTER speaking with both XXXX  XXXX Department AND NCS, I was emailed an invoice with a XXXX  balance.
The rental was from XX/XX/XXXX to XX/XX/XXXX. The insurance company paid {$630.00}. Apparently there was a balance of {$85.00} ; i did NOT know there was a balance nor had I EVER received anything about this.
I sent this to XXXX XXXX department who stated that I have to contact NCS. But when I contact NCS, I am told to speak with XXXX  and he stated that I owed nothing, XXXX is a private company and they can decide who they rent to, that I needed to find another rental car company and he went on to state he would make sure that XXXX was not ever going to rent to me again AND then hung up.
It seems that XXXX with NCS is on some sort of power trip as he refuses to provide ANY information about the supposed debt and the information XXXX  has provided shows a XXXX balance.
It is clear that it was an overcharged by XXXX and since XXXX only makes his money on what he collects he is not going to release the account in order to punish me as by his ( XXXX w/ NCS ) own admission know this is not a valid charge.
Thi account needs to be settle as paid as by XXXX own admission there is a XXXX balance.
XXXX, the supervisor at XXXX threatened me directly in regards to my auto loan. I have been fighting this with Hyundai, but agreed to pay $ XXXX/mo in the meanwhile. XXXX would not accept the payment and proceeded to tell me multiple times in the call " you will see what Hyundai is capable of doing to you '', making me feel threatened, vulnerable and extremely uncomfortable. He brought up legal action- whereas they are NOT a law firm but a collection agency.
We had a loan for a car with Westlake Financial Services The car was in an auto accident and was subsequently paid in full by State XXXX but Westlake reported it as a repo on my credit and we have proof the car was never repossessed as a matter of fact after our insurance company paid off the car they allowed us to retrieve it and we still drive the car to this day.
I experienced identity theft and notified Wells Fargo, XXXX XXXX, XXXX, XXXX and XXXX. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at Wells Fargo under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now Wells Fargo is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. Wells Fargo claimed it was my problem. XXXX, XXXX XXXX and XXXX claimed I owed an amount that was also part of the identity theft. I provided them with two police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And XXXX was paid in full and apparently that payment went to a different payment address and it took XXXX three months to get the payment credited to my account. They have put this on my credit report as late payments. Well Fargo Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which Wells Fargo said I did not have to pay until the modification was complete. During the modification progress, Wells Fargo continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do, I can not get my credit score to what it was prior to the identity theft.
We were on and protected by the FEMA/Government forbearance after Hurricane Irma, during which time both myself and my wife 's credit report was negatively impacted when our mortgage company Carrington Mortgage reported us as late on our mortgage. I called and was told there was " a mistake and some ... a few customers were mistakingly reported to the Credit Bureaus but they would issue a retraction ''. Mine was corrected, my wife 's however was not. Ive called several times on this matter and either their computers are down or something. I called this morning XXXX/XXXX/XXXX to try to get this taken care of. The customer service rep puts me on hold then comes back a few minutes later to tell me I will have to pull a copy of my wife 's credit report from one of the 3 bureaus and then fax or mail it in. I asked why I would have to do that now when I did n't have to do that before? She said she was n't sure but if I wanted it fixed thats what I would have to do. I said no I should n't have to spend my own money to fix a mistake your company made. And then I asked to speak to someone in that investigation department. She said she is that department. I asked why when I called the other day I was on hold to be transferred but their computers were down? ... she said that I called a different department, I said no it was customer service. So now customer service is the investigation department I guess. I should not have to go through this much trouble to fix a mistake on their part. I do believe they are discriminating against me as I filed a complaint on them before for their terrible customer service and mishandling of my mortgage and this is how they retaliate. I also just this past week opted out of a mortgage modification with them after they told me I would not be able to make my XXXX payment and would have to wait till XXXX to make my first payment. I said XXXX no I am not going to be late on my mortgage and go through all this again. The rep told me well thats how this works, you have to be behind if there is a hardship. I told them to cancel the modification I opt out. Today since my account was just unlocked to make my payment before the XXXX, I find another {$20.00} fee accessed to my payment. When I asked the above first mentioned rep she said it is a Property Preservation Fee that was made to the account on XXXX/XXXX/XXXX. I said no my mortgage has been current as of XXXX and I will dispute any other fees as you guys already charged me two {$20.00} fees ( FEMA Natural Disaster Billed Fee ) while under the forbearance. 

The former complaint I filed was closed after the mortgage company sent in a bunch of misinformation and out right lies regarding contacts, dates, etc, to which I never got the opportunity to rebuttal. I would hope this complaint is received with more merit and a little investigation into Carringtons handling of mortgages and credit reporting!
About 2 weeks ago ( XXXX XXXX, 2015? Rush Card ( UniRush ) said they would be doing a system update. Well since then I have been unable to access my funds. I have called everyday since this has been going on and still havent heard anything. I have been told they cant access my account and that its being worked on and there is nothing they can do. They have a system called Rush Goals that is like a savings and I have money in there that I cant access to withdraw off the account. I have been a member with Rush Card for 5 years and this is unacceptable. I have contacted them via phone, email, XXXX, XXXX, and XXXX and no response from anyone. I need my money, that is money i use to set aside for grocerys and I cant do that. Please, Please Help Me.
I requested an extension for my car payment for the month of XX/XX/XXXX. American Honda finance told me they would call me back about it and it should be no problem. I received a call back stating I would need to pay the late charges associated with the account before I can be granted an extension. I made my full car payment that date which happened to be one day late. ( XX/XX/XXXX day ). They never reported it late. The next month ( XX/XX/XXXX ) I paid my full car payment on the XX/XX/XXXX day. American Honda reported it late 30 days. I disputed the XX/XX/XXXX late charge and American Honda came back saying it was validated and added XX/XX/XXXX late also. I have never made a 30 late payment for the XXXX cars I financed in my life time.
Talked with capital one about disputes. They told me I could file online or by phone. So I did all my disputes online. The company never provided me the login to be able to use the service. However, Capital One refuses to investigate and, instead, keeps sending me documentation asking for more information. I have included all dates I talked to the merchant, the fact they never provided me the service but kept billing me, and all relevant dates and information to substantiate my disputes. 

Instead, they rebilled my card for all disputes even though they made no attempt to contact the merchant to get information. As the merchant refuses to refund me or even provide the original login to use the service.
XXXX   XXXX  received letter  that Navient would seize my assets if I did n't pay. I called to ask about that and they said they never sent it. They also said I had 2 mor e months until default of loan. I asked to mail in a payment they requested to keep it from getting more behind, which the normal payment is  XXXX . They then said " because of the state of my loan being 5 months behind this arrangement was not acceptable ''. My next payment was not d ue until ( month 7 behind of 8 before default ) 2 weeks from now. It was pressure and tactics that made no sense. I did not want to give them my account information because my mother, a cosigner, did that and they took money she did n't authorize. I asked to pay the loan off in a settlement and they also requested al l kinds of financial information. The payoff was to be by a benefactor, so it had no relevance.
This is an on going problem. I have been submitting complaints for the last month. Here is the evidence of wrong doing by Equifax, they have placed some type of mortgage on my credit. There is no information provided pertaining to this mortgage that does not exist. Someone from Equifax placed this mess on my credit report to ruin my credit. I have requested the information for this mortgage. The mortgage, company, name address, phone number and amount. They can not provide this information due to a mortgage does not exist. It never has. Take all of this mess off of my credit today.
On XX/XX/2019, XXXX XXXX a department head at National Enterprise Systems contacted our daughter on her personal cell phone about a debt her father and I owe. Our daughter is not a guarantor or contact on any of our financial accounts. She is a student. I called Mr. XXXX directly, informed him I was going to file a complaint with the CFPB and that he should delete my daughter 's contact information from our file.
See attached statement. Citigold failed to honor the terms of its XXXX XXXX promotional offer as they were provided to me when I opened my Citigold Interest Checking Account. Without explanation or justification, Citigold deliberately deleted an e-communication from my e-communications center less than 8 days after it was posted to my account, even though e-communications are supposed to be available in my e-communications center for 12 months. The deleted e-communication confirms that my account does qualify for the bonus miles offered under the promotion and states that Citigold will post my bonus miles after I provide my XXXX number. I have provided my XXXX number on several occasions and have written confirmation from Citigold that my XXXX number has been linked to my account. I am accusing Citigold of fraud. I maintained my account and paid account maintenance fees based on Citigold 's written representations ( 1 ) that my account was enrolled in the offer, ( 2 ) that I completed all offer requirements XX/XX/2016, ( 3 ) that my bonus miles would be credited to my XXXX XXXX AAdvantage account within 90 days after the end of the statement period in which all offer requirements were completed ( i.e., 90 days after XXXX XXXX, 2016, which is XXXX XXXX, 2016 XXXX. I would otherwise have closed my account. My bonus miles still have not been credited and Citi has now stated in writing that they can not guarantee that my miles will post by XXXX XXXX, 2016 ( which is direct conflict with the written terms of the offer that were provided to me ). Citi is forcing me either to pay additional account maintenance fees as I wait for my miles to post or to close my account to avoid the fees ( and thereby forgo the bonus miles ).
This information is regarding complaint XXXX and the response from Bank of America claiming that they did not committ prejury and Fraud. I have attached XXXX pages that show that itself is a lie.
I was told when i took this loan that every payment would post a small amount to the principle of the loan that was originally XXXX dollars. I have since paid XXXX dollars and am being told that i still owe them XXXX after less than a years time. The information given to my by radient cash was very misleading and not correct.
On XX/XX/2018 I processed a payment that closed my XXXX open payment. At that time, I owed for XXXX payment that was due as of XX/XX/XXXX. I recently tried to make a payment on XX/XX/XXXX but the charges were denied. I was told to contact customer services. I was told that the account was past due for 32 days. I asked the representative what payment date I owe for. I was told I owed the XX/XX/XXXX payment. I asked the representative to explain how I was 32 days past due, but only owed for the XX/XX/XXXX payment. I chose to end the call because it was getting very heated. I called back and spoke to a manager who noticed the issue. The manager put in a complaint on my behalf to fix the issues on the account. I still did not receive an explanation as to what issue occurred. While speaking to the manager, I was told that I would not be able to use my account until the XX/XX/XXXX was paid. I did not receive an explanation as to why I still could not use the account. I called back and asked another representative the days past due a customer had to be before they would lose their purchasing ability. I was given 30 days past due. I would like to find out why my purchasing ability has not been restored due to the fact that my account was past due by only 10 days while the company policy is the account has to be 30 days past due.
Equifax is not responding to my requests to investigate, verify and remove XXXX account from my credit report that does not belong to me.
As you can see from the previous 8 complaints I have placed with your company. Lexisnexis keeps saying they verified as correct information In complaints 1 through 6th they had verified me with an address that does not even exist XXXX XXXX XXXX XXXX XXXX NY did they pull that out of thin air? Now they are saying and more complaints would be deemed frivolous, I mean give me a break it took them six times to correct an address on my report as verified proof. They should be called false and misleading information. Now as far as XXXX XXXX XXXX XXXX is this going to take another 6 complaints before they do there job? Here is there response for not doing there job now 8 times.
Please be advised that we have received six previous complaints on behalf of XXXX XXXX disputing the same claim on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and responded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively that XXXX XXXX was the vehicle operator and the policyholder at the time the claim was filed. Please note that further complaints from XXXX XXXX regarding this claim will be closed back to the CFPB as frivolous, as XXXX XXXX has provided no new information or documentation that could substantiate his. I did n't submit proof the other 6 times other than looking on XXXX to fin XXXX XXXX XXXX did not exist as they claimed as verified proof. Now the only proof I have for XXXX XXXX XXXX XXXX is the home was owned by a XXXX and XXXX XXXX. I do not know these people. Again I want to stress I have never lived at XXXX XXXX XXXX XXXX This is the Ninth compliant lets see how long this takes
Loan payoff was made on XX/XX/XXXX via wire transfer to Ocwen Loan Servicing. To date there has been no Loan Satisfaction received from Ocwen. A message posted thru Ocwen 's website message system on XX/XX/XXXX requesting staus. Letter dated XX/XX/XXXX from Ocwen stated that most responses take 10 days, some take 30 days for a response. It is over 60 days since my request was submitted and there is still no response from Ocwen.
On XX/XX/2018 XXXX XXXX charged me {$1100.00} for moving services. It covered moving with insurance to cover damage. Damage occurred and the company did not cover it. After contacting the company several times to resolve the issue. I contacted Chase to file a claim to return my funds due to XXXX performing part of the full service paid for. Chase incorrectly recorded I was not happy with the services instead of what happened and influenced Visa 's decision to not return my funds.