WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX forwarded XXXX cases for collection against XXXX XXXX XXXX and XXXX XXXX XXXX On XXXX XXXX XXXX. XXXX amount of {$7400.00} and for XXXX. XXXX {$7700.00} to Accounts Receivable Collection Agency. 

For XXXX XXXX XXXX the amount of {$6500.00} was sent to us and received the check from him on XXXX/XXXX/2015, and deposit the check on XXXX/XXXX/2015. This check was paid before we sent XXXX XXXX XXXX to the collection agency. Since the check XXXX. sent in showed the XXXX. XXXX home address, we applied this amount to XXXX. XXXX account only to be notified by XXXX that the check was to be under his account. So we changed XXXX. XXXX Invoice showing this amount as paid. Please see attached check and deposit slip for detail. Collection agency is claiming for this amount which they have no right to do so. 

For XXXX XXXX XXXX, amount of {$7700.00}. We did submit to them on XXXX XXXX the invoice however two days later, XXXX XXXX, we were informed that our Service department was to fix his system on site and h/o would pay us in full. I notified the collections agency via email on the same day to cancel this transaction. In the agreement that we signed, states if we submit an invoice and cancel it, they can charge us 10 % of the total bill. That is not an issue. 

The collection agency only collected from XXXX XXXX XXXX a total of {$7400.00} yet they seem to think they collected a total of XXXX. Which is impossible because they did not collect for XXXX XXXX XXXX. 

This agency had collected back {$7400.00} and sent us check # XXXX for {$2900.00}. They claim they charged us 10 % of XXXX. XXXX amount of {$7700.00} which should only total {$770.00} and our agreement for the {$7400.00} was 27 % however, they kept almost 40 % of XXXX. XXXX. Check which they never sent us nor do we know what check number XXXX XXXX XXXX sent them. They kept his check and sent us less then what was promised. We have all documentations if needed to follow our statement. Please let me know if you need me to email them to you. 
The bottom line to make more sense of this issue is this email being sent to XXXX XXXX XXXX XXXX : Dear XXXX, As stated, you collected for XXXX XXXX XXXX the amount of {$7400.00} which 27 % is owed to your company totaling {$1900.00}. You took 10 % of XXXX XXXX XXXX amount of {$7600.00} which totals {$760.00} because we canceled the transaction. When you total XXXX that we owe, the total should be {$2700.00}. You sent us a check for {$2900.00} CHECK # XXXX. Your company took the remaining balance of {$4600.00} which is not our agreement. Your company owes us a total of {$1400.00}. Please submit to us by next week XXXX/XXXX/2015. 

Regards, XXXX XXXX Customer Service Supervisor XXXX XXXX, XXXX.
Car was repossessed in XX/XX/XXXX. They came and got the car, and sold it for less than market value, market value at the time was XXXX The original debt was XXXX -sold car for less than {$1000.00}. NOW they say today XX/XX/XXXX ( 18 years ) I owe {$12000.00} ( caller of collection agency -said this ) This is the XXXX collection agency to purchase this debt. Letter received says I can settle his debt for a mere $ XXXX! 
Agency is First National Collection Bureau , Inc .
XXXX XXXX with a company called Compass Group has been calling my family members, friends and landlord trying to collect a debt I have already arranged with a consolidating company to resolve. I have told him multiple times to stop calling but the calls continue.
We already have a pending CFPB complaint that SPS has not responded to. In addition to that complaint, we are having issues with SPS now fabricating problems with our paperwork so that they can further delay our file. XXXX spoke with XXXX says need XXXX, need XXXX - did XXXX and submitted XXXX. XXXX with XXXX on XXXX - she confirmed XXXX and the " additional expenses ''. I sent in XXXX XXXX. Sent 1st lien approval on XXXX - resent to XXXX on XXXX while on the phone with him. No mention of needing XXXX. Sent in updated HUD XXXX due to SPS delays. XXXX with XXXX on XXXX - says still showing opened for a MOD review?! She was escalating the file on XXXX says we will have a reply in 48 hours. Called today - rep acts like there is no ESC, like file has never been sent to Investor and that no docs have been submitted. 

Today the escalations representative XXXX is telling me that they are still missing documents and that there is a pending counter offer. This has already been addressed - so now she says that although we used the SPS form we should have known to insert a signature and date on the pages of the XXXX that do not ask for it. I 'm not sure how we would know to do that or why they would n't put the signature block and date in there if that is what is required. 

I am now on the phone with a supervisor XXXX who says that was the wrong form ( although it was on their web site ) and that he will fax and e-mail me the form needed. That the previous rep was incorrect that we do not need to fabricate a section for a signature.
I requested detailed accounting of payments & charges along with an explanation of any charges & how those fees were calculated, copy of original contract with original creditor & documentation on sale of the repossessed car & amount applied to account & copy of repossession papers in connection with a XXXX XXXX account showing up on my credit report.I filed a dispute with TransUnion on XXXX/XXXX/2015, they stated they received a letter that states simply that the account was accurate & then made changes to XXXX dates, there no was verification to prove the account is accurate & valid included with the statement. They did n't even receive verification showing the account is even my account ( no original signed contract with original creditor ). According to FCRA section 611 ( c ) if they did not receive the detailed verification that was requested, showing the account is valid & accurate, they are required to remove it. They did not. They chose only to update the account even though they had not received any verification showing its validity or accuracy. They refused to provide me with a copy of the letter they received from XXXX XXXX. I received no written results of investigation, which I should have received within XXXX days of being notified the investigation had been completed ( on XXXX/XXXX/2015 ), thereby violating FCRA section 611 ( a ) ( 6 ). I spoke with XXXX different representatives ( the XXXX one hung up on me ) & a supervisor, none of them seemed to care that they were violating my rights as a consumer per the FCRA. They offered to dispute again using the same electronic method of dispute, but said if XXXX XXXX did n't respond with the requested verification they still could n't remove the account which is not accurate. FCRA section 611 ( a ) ( 5 ) states that if they are unable to verify the account they are required to remove it. I am filing a complaint about the way my investigation was handled and how they chose to ignore the fact that XXXX XXXX was not able to provide any proof or verifying documents to show the account was valid, accurate or even belonged to me. When I disputed with TransUnion, I also sent a letter to XXXX XXXX disputing the account & requesting verification of all the documents I listed above. As yet they have not responded to my request for verification either. In four days they will be at the 30 day response time as required by law. I do n't expect a response from them because I doubt if they are able to verify any of the information that I requested. I will enclose a copy of the letter sent to them.
Dealership sold Gap and service contract with a signature obtained from being coerced into scanning document for Gap refund that was supposed to cover me back to me. Instead said it was applied to loan but figures and dates do not match. Added vin to car motor to replicate a metal plate with screws. However fake screws that are not real. Engine is different sold car as a XXXX but actually XXXX. Charged my credit card without my knowledge for services I knew nothing about.
Received email notification on XX/XX/XXXX from XXXX XXXX that there was a change to my credit report. I checked the details and found a collection had been added to my credit report. The company is XXXX XXXX XXXX, out of XXXX. XXXX, MN. I called several times, the hours are limited to contact someone at their business. I wrote a letter and requested details because all the details I had on my credit report was " XXXX XXXX XXXX ''. I called XXXX received XXXX help ( see attachments, letter from XXXX ). I visited my local XXXX to try and investigate this issue, no records. They said they sent my debt to XXXX XXXX. I wrote a letter to the Attorney General of Minnesota with the details ( XXXX is a MN business ). I have attached all letters with the details. I called XXXX XXXX early this morning ( XX/XX/XXXX ) and finally got ahold of someone who could explain. I don't even have an account number ( XXXX ) I can refer to so this could be researched. Apparently Attorney General of Minnesota had reached out to XXXX XXXX XXXX to get details and got this moving along. According to the two individuals I spoke with at XXXX XXXX ( XXXX and XXXX ) today ( XX/XX/XXXX )  they are sending a manual request to the three bureaus to remove this from my credit report. That's great but in the meantime qualifying for a home equity loan has been denied because of this. Received no notification, no letter, no phone call, nothing to give me advance notice of this collection, XXXX just attached it to my credit report! My issue is now with XXXX because they either sold this alleged debt to XXXX XXXX or XXXX XXXX purchased " old '' debt from XXXX and attempted to collect their share. This was for {$85.00}!!! I have attached a letter from XXXX which is the most unhelpful piece of correspondence. XXXX needs to investigate this and remove me from their database. This alleged debt is for a debit card and the date was XX/XX/XXXX. I still do not have the details. Any help you can provide would be most helpful. In the meantime I am closing all of my XXXX credit card accounts ( zero balances by the way, have been excellent customer of XXXX ). The debit card was never used and don't understand why it would have a {$85.00} balance from XX/XX/XXXX.
Experian has my XXXX XXXX XXXX card showing Negative and there has not been no late payment in over 18 months. Experian says on my report it will be XXXX before it goes positive. 

There should be no negative showing considering nothing been late in over 18 months FTC been file on Experian as well
Negative old debit paid by XXXX not removed. Medical believed to be paid my Medicaid was charged as bad debit against credit report. XXXX & XXXX have corrected but Equafax will not remove. Equafax is reporting XXXX Mortgage as Installment Loan ... 
Last is Judgement that was reported to credit agencies in error. XXXX XXXX removed and XXXX removed. Other agencies are showing satisfied and will not remove. They are requesting court made error. Which will never happen and they wo n't try to verify for removal. I have filed an online consumer complaint against Equafax. 
XXXX XXXX # XXXX
On XX/XX/XXXX at approximately XXXX XXXX, a process server arrived at my home. I was not at home, but the process server advised my spouse that we had a court date of XX/XX/XXXX, and that the case was in regards to XXXX. Myy wife informedme of the incident, and after some research, I was able to locate the debt collection agency, XXXX XXXX XXXX , XXXX   based out of XXXX XXXX, MN ( hereafter referred to as XXXX ). I then contacted XXXX, and inquired as to when the debt validation letter had been sent. I was placed on hold for two minutes, and after being taken off hold, I was informed that the lawsuit was in the process of being dismissed, and that they were preparing a debt validation letter, and were willing to make a payment arrangement. 
My complain is that the agency in question initiated a lawsuit without properly notifying me of said debt.
On XX/XX/XXXX We sold a Ford F250 truck to an individual. We did not remove the license plate from the vehicle at the time of sale. The new owner apparently did not register the vehicle in his name and acquire a new license plate. He acquired XXXX parking violations ( XX/XX/XXXX and XXXX ) which totaled {$20.00} each plus penalties, for a total of {$160.00}. He failed to pay the tickets and we were sent the citations, because the license plates still showed us to be the owner. When the City of XXXX XXXX sent us the citation I sent them a letter and copy of bill of sale and title transfer. They continued to send notices and I would each time send copies. They referred the matter to XXXX XXXX XXXX and they began harassing calls and letters. I sent them the copies as well. XXXX XXXX has now passed on the debt to Transworld Systems who has continued the harassment. I copied them on the same information on XX/XX/XXXX. In response, On XX/XX/XXXX I received their " validation, '' which is the same info of the date, time, ticket #, truck plate. I want all correspondence to cease regarding this debt which is clearly not ours. In addition to the collection agencies we also had a revocation of motor vehicle registration privileges placed on us by the XXXX DPS, which required more documentation and time to clear up.
I received a letter from XXXX, a debt collector, around XXXX claiming that I owe approximately {$650.00}. After speaking with them they claim that I co-signed a document for XXXX XXXX XXXX in Florida. I asked for a copy of the contract and they sent me an electronically signed document that I did not sign. I asked them for proof that I electronically signed this document of which they would not provide any. This is because I did not sign this lease document at all. Now they have reported this to Equifax. I went through the Equifax process denying that this is my debt and Equifax basically rubber stamped in favor of the debt collector without calling me or providing any evidence of a true investigation. I have resubmitted a claim with Equifax.
On XX/XX/XXXX at XXXX XXXX I called XXXX XXXX at XXXX XXXX XXXX and spoke to XXXX EXT : XXXX to inquire about the late payments that occurred on my account after the account was closed. XXXX Advised that she could not see any of the late payments that have been posted onto my account. Upon doing an annual credit check I noticed that I had 2 late payments for the months of XX/XX/XXXX and XX/XX/XXXX. My account was closed in XX/XX/XXXX due to a motor vehicle accident that left my vehicle totaled and my account was closed in XX/XX/XXXX. I wrote the company to dispute the 2 late payments that had been put on my account after my account had been closed and instead on XX/XX/XXXX they posted another late payment to my account for the month of XX/XX/XXXX, 8  months after the alleged late fee occurred which caused my credit score to plummet almost XXXX points. Further more the name is reported inaccurately on this account.
On XXXX XXXX, 2015 I made a trade for virtual currency in the ammount of {$90.00} XXXX from my XXXX ) to XXXX XXXX XXXX I received confirmation emails from XXXX parties telling me that my funds had been successfully sent from XXXX and received XXXX. Within less than XXXX hours I found several rewiews about XXXX warning people that this site was a SCAM! I imediately contacted Skrill and explained to them the situation. I received an email confirmation that they had received my inquiry and would take care of it as soon as possible. I also contacted XXXX several times and received NO respose. 

It has now been XXXX week and I have heard NOTHING else from XXXX or XXXX. I sent a follow up email to XXXX today XXXX XXXX XXXX, 2015 ) in regard to to same inquiry. 

What can be done about the {$90.00} XXXX that have lost? 
Thank you
Carrington Mortgage Services LLC consistently processes my payments incorrectly. I always pay additional principal and it is always processed as an additional regular payment. I was instructed to mail my payments to a different address so that this would no longer happen. I have mailed two payments to the new address and the payments are still processed incorrectly. This has occurred approximately 8 times in the last 2 years.
I received a letter from XXXX XXXX on or about XX/XX/XXXX. They offered me a " reduced balance opportunity '' for a XXXX  debt. However I contacted XXXX and I do not nor have I have ever had a debt owed to them. I called the number listed on the letter and it just disconnects after being placed on hold. <P/>The date of the letter is XXXX17 The sender is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX, WA XXXX XXXX
XXXX XXXX for XXXX XXXX Hospital, paid medical bills should be removed from a credit report. For addresses I never lived in Ohio. XXXX is showing payment history for before 2014, I did not have a loan with them at that time.
XXXX XXXX Has a accounts on my credit report that should not be there. 


Account Number XXXX Account Type Installment Loan Terms 120 Months Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a collection account, insurance claim or government claim or was terminated for default Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount {$3500.00} Comments - Payment History 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
Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. These are the only adverse items on my credit report and it has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX XXXX Bank previously XXXX XXXX Bank they have refused to comply. Litigation Case XXXX XXXX XXXX XXXX XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX XXXX XXXX XXXX.
Att phone service has ran my credit without permission. I want them to remove it.You ca n't run any ones credit without their knowledge. ( Equifax )
There is a credit account (   XXXX   XXXX   ) that is missing on my Equifax credit report. I contacted Equifax several times to correct this problem.   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  ,  XXXX , NE,  XXXX  need to be included on my credit report. This credit was opened in  XXXX /2017. The credit stated that they sent the account information to Equifax but Equifax refuse to add this credit to my report. I would like this creditor added immediately.
A few days ago I received an alert from my credit monitoring system that an update had been added to my credit report and I contacted the transunion credit bureau to alert them of my situation. They did not comply due to my not completely confirming my identity. I decided to allow an attorney to submit the pertinent information of proof of identity. I also contacted the Consumer Financial Protection Agency to have a further investigation to remove this disqualified request of an overcharge on my XXXX account. The breakdown the charges of the bill and continued to submit different charges with each billing statement that was submitted.
Made complaint several times about Bankruptcy and incorrect addresses but still remains. Contacted XXXX XXXX court, attached letter. They did not validate information. Also incorrect address, never lived at XXXX XXXX XXXX XXXX XXXX Maryland. Experian never or other party never investigated or validated information. See attached letter from Court.
An erroneous default judgment was filed against, The courts issued and order that canceled the default judgment on XXXX XXXX, 2016. Experian credit bureau had been reporting this on my credit report. I disputed it in XXXX 2016. I received an result of the investigation despite providing copies of the canceled order and Experian continues to have this on my credit report.
XXXX, XXXX, AND EXPERIAN HAVE FRAUDULENT INFORMATION ON MY REPORTS IN MY NAMES AREA OF MY FILES THIS IS THE FRAUDULENT NAMES. ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) MY SOCIAL SECURITY NUMBER ENDS WITH ( XXXX ) THERE IS A VARIATION THAT END ( XXXX ). I HAVE ATTACHED MY POLICE REPORT TO PROVE THE FRAUD THAT WAS DONE IN MY NAME.
it been over 19 months XXXX  new about the problem I I was robbed my id stolen and hacked. they had not been sending any bills through mail. at all or email So I have not been in XXXX for more than 19 months. I even question why I have not gotten a new card my old one was issued in XX/XX/XXXX. I called told them the problem they said the old account would be closed and a new one issued. but never was! so I called again and again talk to XXXX, XXXX, XXXX, XXXX  and they say they would look into it this was in XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX they all told me not to pay anything at all until it was decided. so I did not! now a XXXX from corporate got involed and she said I owe more than 2,000 that someones been paying my bill and using my card. I told her what happen she does not believe anyone could do this! then she said I do not know what the billing or fraud department because its in texas and I do not control that or have anything to do with it she kept putting her foot into and getting deeper and deeper than she said I personal took over then she said I can not wipe the account because my computer will not do that. I wrote the ceo XXXX XXXX have not heard a word from him. XXXX has lied because a XXXX said from corporate it can be done and do not make payments then I get a call back from XXXX  she said I owe the full amount and she will not listen. it says on the statement any disupts and we page that explain do not pay anything. even on XXXX XXXX XXXX and others were talking about business not getting up dated, and the consumer not held. that were interviewing several ceo I should not pay this 2,000 0r more at all because no one knows what they are doing the headquarters is in wi state and billing is in texas and fraud in Ohio. I told them the problem and can not agree o what to do
I WAS RENTING APARTMENT AND I PAID FIRST AND LAST MONTH RENT DURING MOVE IN PROCESS AND WAS NOT BEHIND AT THE TIME I MOVED OUT WHICH WAS IN MAY 2015. NOTICED NEW COLLECTION ON MY REPORT IN THE AMOUNT OF XXXX DOLLARS IN OCT 2015 WITHOUT ANY NOTICE.I AM NOT RESPONSIBLE FOR THIS AS I WAS NOT LATE AND ALSO PAID FOR LAST MONTH. THE APARTMENTS WERE XXXX XXXX LOCATED ON XXXX XXXX XXXX XXXX GA XXXX.RENT WAS XXXX.COLLECTION AGENCY IS ADVANCED BUREAU OF COLLECTIONS.I HAVE NO CONTRACT WITH AGENCY BUT THEY Wo n't CHANGE THE AMOUNT TO CORRECT AMOUNT.
This debt was paid as soon as I closed the account. This should have never been sent to collections. I have contacted Receivables Performance Management on several occasions. I was told this would be removed from my credit report, but it 's still reporting. This could potentially cost me a lot of money in excessive interest. I need this corrected. Thank you.
ERC is reporting a collection on my credit file. I did not know about this collection until I checked my credit file. I did not receive any notice for this debt, and as soon as I seen this on my credit file, I immediately called and paid the debt. I was not given my 30 day " RIGHTS '' to dispute this collection, and it was just added on credit file. This is in clear VIOLATION.
I asked to Nelnet/U.S Department of Education to provide proof that I consented to student loan debt and explain their reporting of information to credit bureaus and prove that they are in fact valid debt collectors in accordance to 1692 law definitions. I have repeatedly contact them ( Cease and desist letter on XX/XX/2019 and another letter of information request on XX/XX/2019 ).