WillisBack/dataset-financial-user-claim huggingface dataset:
CMRE Financial Services , Inc. is trying to collect on a medical bill that I do not owe. They are not just reporting it to the CRA once, but twice. I have contacted this company by phone and in writing. On the phone, which I have a recorded copy of, a gentleman discovered that this is a single medical bill that is being reported twice. He said he will remove XXXX of them and that I still owe the amount. 

Since our conversation over a month ago, the duplicate item is still on my credit reports and is causing me damages. I have since sent them a letter pointing out that they have n't fixed an admitted known error of theirs on my credit report with no resolve. 

As far as the original debt, I have sent the original creditor a letter and will file a lawsuit with all involved once thirty days have passed.
In 2013 I received a XXXX for cancellation of debt for an amount of {$23000.00}. I paid taxes on this amount back in 2013. But currently all XXXX credit reports still state that my Balance Amount is {$25000.00}. This amount should be XXXX. This debt was fully cancelled and I paid the taxes on it already. My outstanding balance is currently zero. The credit bureaus should reflect that as well. Chase Bank USA NA is incorrectly reporting an old cancelled debt amount to the bureaus.
Experian shows a charge off and there is no charge off The account was paid. charge off is no payment and money owed.
Re : Ocwen Loan Servicing, LLC account number XXXX Hello, Im writing this letter in complaint about monies being improperly taken from my escrow account by Ocwen under the guise of Lender placed flood insurance. 
I have been going back and forth with Ocwen for a few years now about monies being removed from escrow account as described above. They always increase the amount of flood insurance that is required for my mortgage after I have renewed the insurance at a coverage amount previously set by Ocwen, at the time the policy renews, and then remove money from my escrow account to cover the difference. 
Last year in my attempt to pin them down and avoid the hassle of being on the phone with them for hours trying to get my money back, I asked them to put in writing the amount of Insurance coverage needed to cover from XX/XX/XXXX to XX/XX/XXXX ( the term of my flood policy ) so that this situation could be avoided. They refused to provide this number in writing but gave me a verbal number and I renewed it for that number in XX/XX/XXXX. But in XXXX and XX/XX/XXXX they removed money from my escrow account again as described above. Even though the policy was renewed for the amount Ocwen had requested it to be renewed for. 
I spent hours on the phone with them about it in XXXX and they agreed to give the money back and as of this date I have not seen where the full amount has been returned. And they actually removed additional money in XXXX. So I called them back again and I still have no explanation on why they did not return all the money after they agreed to do so nor did they explain why additional money was taken. 
At this point it appears to me that Ocwen is just engaged in outright fraud, theft and deceit. Ive spent countless hours arguing with them about this issue, and they talk in circles, seem to not understand the issue, promise to return the money and then dont ( they actually returned it one year only to take it back again a few months later with no explanation ), they say things verbally and then refuse to put them in writing, blame other Ocwen departments, they also refuse to disclose who the proper regulating authority that their customers should complain to if they have a problem. 
As to avoid confusion please be aware that Ill submit this in writing and online to the cfpb and Im sending copies to the United States Attorney General, New Jersey State Attorney General, and to Ocwen as they need to be stopped.
I am writing to report that the above debt collector violated Fair Debt Collection Practices Act ( FDCPA ) and reported invalidated debt into Credit Reporting Agencies.

Upon reviewing my personal credit report on XX/XX/XXXX, I noticed that XXXX XXXX XXXX was showing on my credit file with XXXX, and XXXX credit report. The debt collector reported derogatory information to the above credit reporting agencies. I have no knowledge about the reported unpaid debt and debt collector. I have never received any letter or correspondence from the above debt collector that I owe debt and the name of the original creditor to whom the debt is owed. The amount of the above debt is {$580.00} and appeared on my credit file as unpaid debt as of XX/XX/XXXX.

All my accounts such as credit cards have been settled with creditor and I pay every month as I agreed.

The XXXX XXXX XXXX violated FDCPA and reported invalidated debt or portion thereof as delinquent account. I consider this action as a fraud under both federal and state laws. I have already initiated consumer dispute with Credit Reporting agencies and this is continues to report to any of my credit reports by XXXX XXXX XXXX, I will not hesitate in bringing to legal action against them under Violation of Fair Debt Collection Practices.
We contracted with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX on XX/XX/XXXX to update our kitchen. We financed the {$3000.00} with XXXX with 12 months same as cash. After several months, and numerous phone calls from us, nothing had been started. We call and visit XXXX often and continue to get different stories every day. They do not return calls. We got the floor installed and then again nothing. We started a dispute with XXXX XXXX XXXX in XX/XX/XXXX. We sent a letter explaining our dispute with XXXX and the project that was not received. We provided pictures of our unfinished kitchen. XXXX sent a two sentence letter stating that they thought the customer was " happy '' with the project. XXXX XXXX XXXX. sided with XXXX. From that XX/XX/XXXX letter until today we are receiving collecting calls from XXXX. We have called XXXX several times trying to escalate the dispute higher. I was told that XXXX had already paid XXXX the total amount and now it is our responsibility to pay The dispute should be between us and XXXX.
The agency is listing the same account on my credit reports multiple times, double jeopardy. It's the same account and they are changing the amount owed by XXXX dollars.
I returned over {$80.00} worth of brand new merchandise at the beginning of XXXX. I have faxed in documentation of the return ... I have called several times with a promise of the account getting credited. To date, XX/XX/XXXX, I still show a balance for this amount on my credit card. A return to be credited to my account taking 2 months is beyond unacceptable. PLease help
On XX/XX/XXXX went to XXXX XXXX XXXX fuel on XXXX XXXX XXXX XXXX, insert membership and the American Express Bluebird PrePaid card. The card came back with a declined. I was confused went to check app for balance and the app was not working. I left without gas and got gas later that day at XXXX XXXX with no problem. Checked my balance later and was shocked to see XXXX on the hold. I call Amex furious, the said 24-48 hours and the hold will drop. Not the case as I write this memo the funds are still on hold as of XX/XX/XXXX. Why must my XXXX be on hold as a hostage HOLD. I did not receive the goods of fuel. Contacted XXXXXXXX XXXX XXXX twice to the matter no resolve.
Frauding my documents XXXX counties wide in California State none of my documents none are married into California none are California herds frauding my documents for Saint Another hospital of Michigan XXXX XXXX Indiana
Because of an error on American Express ' end, I occurred a fees totaling a XXXX dollars on a banking account I was in the process of occurring. On XXXX XXXX, I spoke with XXXX XXXX who was the first person who promised to refund the fees as soon as soon as I provided documentation. Because of the hassle I had already been through, I too recorded the phone conversation and would be happy to provide that. Once I provided documentation, I never heard from anyone. After calling in and being passed around, I spoke with a supervisor named XXXX XXXX. He told I could " consider it done '' and he would contact me again within 24-48 hours. That too never happened. I called tonight, was once again passed around to various departments, and was told that XXXX XXXX was not in the office and they were n't sure why he had n't contact me but they were unable to do anything. The supervisor I spoke with tonight said he should be contacting me tomorrow. I told them I was filing a complaint tonight as this issue has gone on for too long. I 've literally spent 4+ hours being passed around with no results.
These are medical bill co-pays. On my Credit Report It shows that they have been turned over from XXXX XXXX XXXX XXXX, who owns XXXX XXXX XXXX Clinic where the co-pays were charged. They turned over the debts to Revenue Enterprises of XXXX California. The amount listed on the Credit Report for all copays that I owe is {$440.00}. When I contacted XXXX XXXX XXXX XXXX on XXXX, they said I would have to pay these through Revenue Enterprises Debt Collection Agency. I called them and spoke with on at XXXX who is at extension XXXX. I told them I wanted to pay the outstanding Balance that was listed on the credit report. He checked the account and came back and said I had a total of XXXX accounts with XXXX XXXX for co-pays through XXXX XXXX XXXX Clinic, and had XXXX options to pay the bills off. 1. By paying {$640.00}, I would be paying all of the outstanding accounts, and that these would be " wiped '' off of my Credit Report in about 30 Days after the paperwork goes through. Option 2. Pay an amount of {$540.00}, which would pay off all the accounts, but the accounts would still be listed on my Credit Report. I asked why the other accounts were n't sent to the Credit Bureaus along with the XXXX listed ( see document - revenue enterprises list on my credit report attached ). He said he did n't know why that is must be a paperwork issue. 

I was supposed to call him this morning XXXX -- XXXX at XXXX. CDT and choose which option I wanted. He would not give me a list of the itemized charges of the XXXX collections he had in his office. 

I since learned through the Consumer Financial Protection Bureau that promises of paying an amount to a XXXX party collection agency are not true, and that the collection agency had not authority to have the Credit Bureaus wipe the slate clean. 

I do not trust this person, or the Company. My Goal yesterday was to simply pay delinquencies of these XXXX bills that were sent to the Credit Bureau in the amount of {$440.00}. Then all of a sudden, there are these alleged other XXXX XXXX Hospital Bills that Revenue Enterprises said also needed attention.
On XX/XX/XXXX and XX/XX/2018, I started an investigation confirmation XXXX and XXXX regarding Bankruptcy 's listed on my credit report. Equifax notified me by mail and closed the investigation on XX/XX/2018 and XX/XX/2018 that they verified as accurate and I need to go to the US Bankruptcy court if I have questions since they reported the information. 

On XX/XX/2018 I faxed over a letter to Equifax that the BK Court deputy clerk gave me 2 letters stating that they do not verify information or put BK to the credit bureau agencies.. They still closed the case and opened another XXXX and are now saying it will be completed on XX/XX/2018. 

Since I provided important letters to delete the information off of my credit report, they are now adding another 30 days on the clock for the same issue which is a violation of FCRA.
My property taxes are paid from an escrow account with Nationstar Mortgage. As of XXXX XXXX, 2016 Nationstar Mortgage LLC raised my mortgage payment by {$480.00} a month with no notice. When I called to ask why they said my taxes went up by over {$400000.00}. This is not true. They told me I have to provide the tax bills. I am going to forward the paid bills to them on XXXX/XXXX/16. However, they are already in receipt of the bills. The mortgage payment is due no later than XXXX/XXXX/16 or my modification will be in jeopardy.
diversified recovery systems keeps calling me acting like they are process servers and saying they are coming to serve me at my job, I will be arrested at my home, my wages will be garnished, they will tell my job about my debt. they also said they will tell my references about my debt. they have called with a man pretending to be an investigator. he left a message with a " legal case '' number to call back with. they are also trying to collect twice what is owed, and XXXX is still trying to collect the original amount.
Synchrony Bank/Care Credit is reporting inaccurate information on my credit report in regards to a charged off credit card. I contacted XXXX XXXX at Synchrony Bank in XXXX of 2015 because I wanted more information about the account. XXXX stated that she could not give me any information about this account because Synchrony did n't have any information listed in their computer system. The only information available to XXXX was my name, social security number and a account number. XXXX advised me to dispute the validity of the account with the credit bureaus and Synchrony Bank in which I did. I received a letter from Sychrony Bank stating that they could not provide me with any information on this account because the account was sold to XXXX XXXX. Synchrony Bank also verified the account as reporting accurately with the credit bureaus but they can not provide me with any documentation on this account. Synchrony Bank/Care Credit has violated the FCRA by verifiying inaccurate information with the credit bureaus and proper documentation can not be supplied. How can they verify this information without the proper documents.
I ran my credit report and found that I had a collection account on my report for XXXX. I called XXXX because I did not have a bill that was missed or not paid and XXXX confirmed this. I called the debt collection agency and asked about the debt and requested the debt validation paperwork within 30 days. The company did not respond. I called back months later and the company is still saying I owe the debt. They are calling all of my family members and leaving messages that I am in legal trouble. They never sent me the debt validation paperwork upon receiving the debt. They continue to harass me and my family through phone calls.
According to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, credit bureaus and credit reporting agencies have an obligation to investigate and remove erroneous information from a consumers credit report. In XX/XX/2018, I submitted an online dispute on Experian website through their Dispute Center to have specific accounts removed that I believe were placed in error. Among those were, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX. On XX/XX/XXXX, I received a notification via Experian 's dispute center stating the accounts had been verified. They did not however, provide me with any supporting documentation or original contract bearing my signature proving I had a contractual obligation to pay the debts in question. Therefore, the accounts had not been verified. On XX/XX/2018, I sent a follow up letter via certified mail to Experian requesting the documentation for the accounts they previously claimed had been verified. Rather than providing documentation, I was sent a letter stating, " We have previously processed this dispute and the credit grantor has verified its accuracy '' and that they " ... will not reinvestigate this information again. '' By not providing documentation and refusing to " reinvestigate '', Experian is in direct violate of my rights as a consumer.
MRC : XXXX called me and stated they would garnish my paycheck for a debt I owed from XX/XX/2007. I called them back and said I would be willing to pay for a lower amount. They declined and said they would contact my human resources department. Not sure if they are but now I 'm worried.
For many, many months I have reported that this debt is 1. ex husband 's and 2. I paid it. No matter what I provide as proof they continue to bother me and report me to the bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
REFERENCE TO CASE NUMBER XXXX Dear sir/madam few week back i submitted a compliant regarding the negative and fraudulent account COMMON WEALTH FINANCIAL noted on my credit report. But their response stated that they could not find the account on their data base. 
How then did they report account that they do n't have on their data base? First i do n't own COMMON WEALTH FINANCIAL or any of their affiliates and this is a good reason to prove the account as a fraudulent one. Dear sir/madam, i want your office to have a look at the mail COMMON WEALTH FINANCIAL sent to my home address with a different recipient on it. The attachment is another prove that the account from COMMON WEALTH FINANCIAL is a fraud. I resubmitted this compliant because the attached mail was received XXXX days ago XXXX/XXXX/2016 Thanks XXXX XXXX
I have a Citigroup XXXX XXXX Credit Card since XXXX and requested that the credit limit be reduced to {$500.00} sometime in XXXX or XXXX. On two occasions Citigroup has increased my credit limit without my express consent. The first time it happened, I complained and Citigroup explained that they would not increase the credit limit without my requesting it ; however, they have done it a second time.
Im writing to dispute the XXXX  record of a XXXX XXXX XXXX XXXX report, reference # XXXX, of which the XXXX XXXX was in a accident aroundXX/XX/XXXX The vechicle was fully covered by XXXX at the time of the accident. The insurance company deemed the car to be totaled. I notified the XXXX XXXX XXXX XXXX about the accident with the claim number assigned by XXXX. Then I was told by XXXX XXXX XXXX XXXX that I did not have to worry about any upcoming monthly payment regarding to that account. I also confirmed with XXXX XXXX XXXX XXXX representative that there was nothing I need to do and all the matter would be settled between XXXX XXXX and XXXX. With that being confirmed, I went to XXXX as pre-scheduled. However, when I called XXXX XXXX XXXX XXXX again in XXXX to make sure the matter was settled, XXXX XXXX XXXX representative irresponsibly stated that they did not receive the payment from the insurance company. So I contacted the insurance company while I was in XXXX to address this issue, XXXX representative told me that XXXX XXXX XXXX XXXX did not contact them. As a result, XXXX did not know how to send the payment. I was confused and stressed, for this issue should have nothing to do with me at this point. However, sadly, I could do nothing but to beg the XXXX XXXX XXXX XXXX representative to contact the insurance company to offer XXXX the information. I then stayed in XXXX for my own business until XX/XX/XXXX. 
When I returned to the US, I received a letter from XXXX XXXX XXXX XXXX that asked me to pay {$500.00}, which I immediately payed XXXX XXXX. According to the Lease agreenment XXXX need to notify me in person for unusual circumstance. I did nothing wrong in this whole process : I paid my dues, reported the situation immediately, notified both parties on time, and the only information I had was being notified that I had nothing to worry about. It is certainly the fault of XXXX XXXX XXXX XXXX and the insurance company for not contacting each other in time. I had no idea about the {$500.00} extra payment until I got home. I still paid it immediately when I got the notification. However, XXXX XXXX XXXX XXXX now has reported to the credit bureau for c/o ( charge off ) every month up to now ( XX/XX/XXXX), which is unfair and unlawful. I have evidence for everything I have stated above, and XXXX XXXX XXXX XXXX should also have record of the phone calls. Therefore, once again, I sincerely hope that XXXX XXXX XXXX XXXX would help me resolve the unfair treatment I have been through. I will definitely fight for the rights I deserve.
I have sent several certified letters to both the collection company as well as the  XXXX  credit bureaus regarding  XXXX ,  XXXX   XXXX  and   XXXX   XXXX   accounts that I didnt authorize in my name. It has been showing up for the past few years on my report and thats not fair to me as a person who is trying to establish credit after being a victim of identity theaft for many years and i didnt know. I have a security freeze on my credit reports now. I had to work on my credit report night and day to resolve the issues that had arised. It 's  XXXX  items that needs to be removed. I am reaching out to you to see if I can get assistance from this department. Please assist me in this process. I have letters to show that ive made several contact with both creditors as well as the credit beaures. These items are seriously affecting me with obtaining credit and I NEVER DID BUSINESS WITH EITHER BUSINESS. I was n't able to attach my last  4 s s # on this conplaint due to an error. Please be advised and fix this error reporting on my credit report. Thanks
on XX/XX/17 Equifax announced their information was breached through a Cybersecurity Incident, I am on the list of potentially impacted consumers
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


Company name : CONN CREDIT CORP Account Nuumber : XXXX
Hi, My mortgage has been transferred to a new company last month. As indicated on the document, i scheduled my new payment to the new company via XXXX in the amount of {$2000.00} on XX/XX/XXXX. On XX/XX/XXXX i made an extra {$50.00} payment towards the principal which was applied.However, the {$2000.00} was never applied on my account, ten days later, i get an updated statement saying i missed a payment. I contacted them, provided them with a confirmation number from the bank that the payment was cashed by them. XXXX XXXX XXXX also called them. They said they needed to find my payment as they could not locate it. Now i receive collection letter EVEN IF I HAVE PAID. today, the company is saying the return the payment to XXXX XXXX XXXX and can not provide me with a confirmation or tracking information. XXXX XXXX XXXX has not receive the money as of XX/XX/XXXX that the company sent on XX/XX/XXXX. I have to make another payment to this company that i have no trust in. Please help me apply my money to my account!!!! The company is home point financial center. the incident is XXXX
hello this company sent me a letter thru cfpb and to my mail that they will delete all negative info of my credit report but have failed to delete with XXXX and when i disputed with XXXX they verified that i owe and will not remove