WillisBack/dataset-financial-user-claim huggingface dataset:
Ideal Collection Services , Inc. located in XXXX, FL Registering Agent : XXXX XXXX, XXXX XXXX, Account Manager, XXXX XXXX, and Attorney XXXX XXXX XXXX, XXXX are breaking many serious Federal & State laws by trying to collect on an Account that is past, The Statue of Limitation time in The State of Florida, they also have failed to comply with SECTION 609 of the Fair Credit Reporting Act which requires, Ideal Collections to Send me a Copy of the Original Wet-Inked Contract that I signed, and not send me copies of copies of third party fraudulent and inaccurate documents or contracts. According to the Fair Credit Reporting Act, Ideal Collections is required to verify through physical verification of the original signed certified consumer contract with my Wet-Inked Signature on it for any or all accounts they request to be posted and or reported on my Credit Report, and copies of copies are not Validation and are not considered proof for this account Ideal Collections has on my Credit. Ideal Collections continues to only send me a copy of a copy of another company that was not theirs, in which is not acceptable at all, according to the Fair Credit Reporting Laws. With this being done there was never any way for me to have any mistakes or erroneous reporting corrected from the other company, and I requested and am now still requesting the Original instrument indebtedness of it 's original form, which is not a copy, but the original written agreement with my Wet-Ink Signature on  it. Once this is provided, I am willing to accept a statement for the amount owing as of X/X/13 together with Ideal Collection Services , Inc. 's Assurance that they will Accept Payment in direct and in immediate exchange for the Original Instrument of indebtedness in it 's original form only. In addition, we also have another issue that was not addressed at all by Ideal Collections, which is this account is now violating Florida State Collection Laws ; because it is way past The Statue of Limitation. If Ideal Collections does n't remove this account immediately or provide me with the Original Instrument, then it will leave me no choice but to report them publicly to The State Attorney General 's Office, Federal Trade Commission, Better Business Bureau, and pursue taking Civil & Criminal legal action against them for breaking Federal and State Laws, as well as turning this into a possible Class Action Lawsuit for others to join in ; because I know there are other consumers who are being abused and are suffering by their fraudulent collection practices. I am asking for Ideal Collection Services , Inc. to provide that Original Contract/Instrument of indebtedness, and not a copy, to Me and show proof to The Consumer Financial Protection Bureau of being in compliance with Federal & State Laws to avoid Civil & Criminal Liability.
Between XX/XX/2016 - XX/XX/2016, DIVERSIFIED CONSULTANT called me over XXXX times. Sometimes 3 times within the same day. I tried to answer every call. Each time, they would say that they have an important legal matter to discuss and would ask me to verify the last XXXX of my SS # and/or DOB. Each time I told them that I do not/would not provide my personal information over the phone without knowing the specific reason for the call. They said that they could not give me any details until or unless I verified my personal information. Each time, I asked them to send me correspondence regarding the matter and I would then respond accordingly. I then gave them by PO Box mailing address. I NEVER received any written correspondence from DIVERSIFIED CONSULTANT. On XXXX XXXX I checked my XXXX credit score and credit report and found that a collection from DIVERSIFIED CONDULTANT was there. I called the number listed, and explained that they were improperly reporting the collection of a debt that had not been verified as mine. I gave them my name and mailing address and the partial account # as reported in my XXXX credit file. They did not have a match in their file. They insisted that they could not help me further without providing the last XXXX of my SS #. I provided the SS # s numbers and they pulled up the account. The address that they had in their file is not nor has it ever been my address. I asked them had they ever sent me correspondence about the debt. I was told that a letter was sent on XXXX XXXX to the address in the file -which again is not my address. I then asked for a fax number so that I could write them regarding my frustration and how they were improperly and probably illegally reporting this debt to XXXX and/or other credit agencies. I was given the fax number XXXX. I tried more than 20 times to fax to this number between XX/XX/XXXX-XX/XX/XXXX at different times throughout the day and night. IT ALWAYS rang busy - as late as XXXX EST as well as XXXX EST. I called back on XX/XX/XXXX and XX/XX/XXXX asking for an alternative fax number each time. I was told that this was the only fax number. I explained that the debt was not mine, the address they had on file is not/was not mine, that they had not ever sent me any correspondence and therefore I know that they had not properly verified the debt as I read and understood the fair debt collections practice act. I told them that I wanted a valid fax number so that I could fax them immediately or for them to remove the collections account from my credit file. I was told that my only option was to write them. I thanked the representative for his time and told him that I would be filing a complaint with CFPB.
I received a collection notice from this company on XX/XX/2016 claiming I owe them {$980.00} and they 're attempting to collect this debt on behalf of XXXX. I called XXXX and confirmed with them 3 times that I did not have any type of account with them. I placed a call to this collection company where they immediately asked me for my social security number which they hung up on me when I refused to give it to them. Since I have never opened an account with XXXX nor was I ever a customer with XXXX I came to the conclusion that this is a scam. I have since sent a debt validation letter to this company with a return receipt request.
Experian has locked me out of on line disputes. The only explanation I get that an account number associated with my social security number is verified as my account. I have sent court documents that verifies that this mortgage loan belongs to XXXX. I have never had or filled any paperwork for an individual account with XXXX XXXX. It has been 6 1/2 years and I have disputed it since this company started reporting erroneous information on my Experian Credit Report. My last document the end of XXXX is a District Court document showing case information, cause number, defendants, when it was filed the docket type, ( several defendants due Texas laws that if a person dies without a will property will be divided between children and spouse. ), case history by date, and an agreement that case is disposed due to estate has no value. It is unbelievable that the credit agency that destroys the ability to get a job, car, or home will take information from some company or person that could realize or not know the major impact erroneous negative reporting does to families. For me how does a company override court documents that clearly identifies that XXXX XXXX has not owned or a part of this mortgage loan since XXXX/XXXX/2013. That the case has an agreement and the estate has no value and it is disposed. If someone could let me the details of how a company can report when they are not involved and how they can report since there is an agreement.
bank or credit union must give you at least 30 days ' notice before adding a new fee or increasing an existing fee. after I paid off my mortgage with Bank of America, my bank started charging me for my checking account {$25.00} per month without notice for 3 months. as I asked for refund, the rejected my request. Please review that chat session when I tried to get my money aback and the BA representative refused to do so.
THIS COMPANY IS TRYING TO SETTLE THIS DEBT WITH ME AND ITS NOT MY DEBT. SO IM ASKING FOR PROOF OF CLAIM. I WANT TO SEE MY NAME SIGNED ON A CONTACT. IF THIS COMPANY CANT SHOW IT HAS TO BE REMOVED.
I paid for a funds transfer from the state of XXXX to XXXX using the MoneyGram Service located in a Walmart Store. When pickup was attempted by the listed recipient in XXXX the funds were n't distributed, he was required to call me ( sender ) and have me call an XXXX number ; when I called the XXXX number I was transferred to XXXX different representatives who all never explained why this delay was needed and what the issue/problem was that prevented execution of my transfer. When I repeatedly demanded to speak with a mgr I was put back on hold for an extended period of time ( after a 8 minute initial hold to even start the process ), just to somehow get disconnected. When I returned to Walmart to cancel the transaction and get my money back, the Walmart Rep had to call MoneyGram because of a hold status and took nearly 30 minutes of holding on the line to get it cleared for my refund and still never gave me or the rep an explanation of why this all occurred. This was a huge waste of time and no company operating in the US should be able to tie up our funds and not even have call center reps that can speak understandable English and that do n't provide explanations of why our funds are being tied up.
Client ( XXXX XXXX ) complete a family transfer package with Ocwen in order to assume her Mother 's property. Upon completion on the transfer package XXXX XXXX obtained and began a modification package of which there has been numerous problems. XXXX completed packages have been submitted since XXXX XXXX, 2015, to date their is still not an approval. Be mindful that the process was just about complete once the family package was approved which was in XXXX and to date the mortgage company is still requesting the same documents.
I have had my family home foreclosed on but we do not know by who? The alleged Plaintiff, XXXX XXXX sent my a letter saying they did not do it and that they do have authority do so, but the court aloud it. The alleged servicer, Nationstar, did not initiate it either. Therefore, the law firm, XXXX XXXX XXXX, was not hired to file the foreclosure by neither party. Finally either party will show certified copy of note to verify debt, under UCC 501 or FDCPA. So, why are we losing our home?
I currently have my federal loans in borrow defense since XX/XX/XXXX. the XXXX XXXX/XXXX  ones are private loans. this company has closed this account and wrote it off and yet continue to report as delinquent to the credit bureau which brings down my credit. They have used a few collection agency to go through to try and collect money and I sent out a validation letter to the companies and I have dispute it from the credit bureau. The credit bureau nor the collection agency is able to validate any of my information which goes against the FCRA law. I found out that the borrow defense does not apply to federal loans and told me to contact you guys due to borrow defense claims with XXXX XXXX. They just reported it delinquent yesterday XX/XX/XXXX which goes against my letter that I sent. I am very upset with this company. I would recommend NO one to use this company EVER if they need a loan.
I was sent demands for payment on several occasions by a credit collection agency named MRS Associates of New Jersey that has NOT proven a debt is mine. I received these demands dated XX/XX/2018, XX/XX/2018, XX/XX/2018. I also received a letter from the collection agency, which has no date on it, claiming that documents they recieved from the original creditor proves they have the right to collect from me. I never signed any contract with the debt collection agency. I have sent 2 letters dated XX/XX/2018 and XX/XX/2018 asking for the debt collection agency to validate the debt, but they have not been able to produce the tool of indebtedness they claim I owe them. They have failed to validate my request for proof I have a valid debt with them. This is a violation of my rights under fair debt collection practices.
I OBTAINED A 30 YR. FIXED MORTGAGE LAST XX/XX/XXXX. THEY INSISTED ON COMBINING MY TAXES AND INSUR. WITH MY MORTGAGE PAYMENT. I HIRED A TITLE COMPANY & THIS COMPANY RESEARCHED & OBTAINED THE CORRECT TAX FIGURES & SUBMITTED THAT INFORMATION TO WELLS FARGO. I HAVE PAID ALL OF MY MORTGAGE PAYMENTS ON TIME & PRESUMED THAT ALL WAS WELL. ON XX/XX/XXXX I RECEIVED A NOTICE FROM WELLS FARGO THAT MY ESCROW ACCOUNT HAS A SHORTAGE OF {$640.00} & THEY ARE INCREASING MY PAYMENT FROM {$480.00} TO {$560.00}!!! I WAS SHOCKED & BEGAN WONDERING " HOW COULD THIS HAVE HAPPENED? ". I HAVE SPENT COUNTLESS HOURS ON THE PHONE WITH WELLS FARGO, THE TAX OFFICE OF XXXX COUNTY, PA. & THE TITLE COMPANY & HAVE SPOKEN TO LITERALLY DOZENS OF PEOPLE. I HAVE BEEN LIED TO SEVERAL TIMES, BEEN GIVEN FALSE INFORMATION, AND MANY CONFLICTING STORES FROM DIFFERENT PEOPLE. HERE IS WHAT I HAVE DISCOVERED AS BEING WHAT ACTUALLY TOOK PLACE. ON XX/XX/XXXX XXXX XXXX XXXX SENT A TAX CERTIFICATION TO WELLS FARGO INFORMING THEM THAT THE SCHOOL DISTRICT TAX AMOUNT FOR THIS PROPERTY IS {$1300.00}. THEY ALSO SENT THE OTHER TAXES & THE AMOUNT OF THE MORTGAGE INSURANCE. 
AFTER I RECEIVED THE PAST DUE NOTICE & BEGAN MY INVESTIGATION I HAVE DETERMINED THAT WHEN WELLS FARGO CALCULATED MY ESCROW AMOUNT, THEY ENTERED AN AMOUNT OF XXXX. AFTER MANY DISCUSSIONS WITH MANY PEOPLE, THE ONLY STORY THAT I CAN GET FROM THEM IS THAT PERHAPS WELLS FARGO THOUGHT THAT MAYBE ... POSSIBLY ... MIGHT BE A CHANCE OF ... ... ME BEING ENTITLED TO SOME DISCOUNTS ON MY TAXES & I GUESS THAT IS WHY THEY MADE UP THAT AMOUNT. FOR WHATEVER REASON THEY ENTERED THIS AMOUNT, THAT IS OVER {$300.00} SHORT, THEY HAVE MADE MY ESCROW ACCOUNT FALL INTO DEFAULT & SHORT OF PAYING WHAT IS REALLY DUE. THEY MADE UP THIS AMOUNT EVEN THOUGH THEY WERE GIVEN THE CORRECT AMT. I WANT THEM TO CLOSE MY ESCROW ACCT. & LET ME HANDLE IT MYSELF AND THEY ARE REFUSING TO DO THAT. SINCE THIS WAS A MISTAKE THAT THEY MADE, & I AM NOW SUFFERING, I WANT THEM TO ALSO ABSORB THIS SHORTAGE AND CLOSE MY ESCROW. THEY HAVE MISMANAGED THIS RESPONSIBILITY AND CAUSED ME HARM IN THE PROCESS. AN EMPLOYEE PROMISED ME 3 TIMES THAT IF I WOULD PAY A PORTION OF THE PAST DUE AMT. HE WOULD CLOSE MY ESCROW. I PAID IT THEN HE SAID HE COULD NOT DO IT!!!!!!!! NOW THEY ARE TELLING ME I HAVE TO WAIT ANOTHER YEAR. I AM SURE I WILL BE MET WITH THE SAME XXXX  IN A YEAR. THEY CAN MAKE AN EXCEPTION TO CLOSE MY ACCT. THERE ARE MANY SIMILAR COMPLAINTS PUBLISHED WHEN YOU SEARCH FOR " WELLS FARGO ESCROW SHORTAGE ''
XXXX inquiries were made to my Equifax credit report on XX/XX/XXXX that I did not authorize. They were all made on the same date and were initiated by a local auto dealership, XXXX. 

After a long dispute, XXXX confirmed that they were made erroneously and sent Equifax a letter confirming that they were made in error. This was over a month ago. 

To this date, Equifax has not removed the unauthorized inquiries from my credit and my score is being affected because of it. 

The first inquiry is under the name " XXXX '' on XX/XX/2016. 

The second inquiry is also under the name " XXXX '' on XX/XX/2016. 

The third inquiry is under the name " XXXX '' on XX/XX/2016. 

The fourth inquiry is under the name " XXXX '' on XX/XX/2016. 

The fifth inquiry is under the name " XXXX '' on XX/XX/2016. 

The sixth inquiry is under the name " XXXX '' on XX/XX/2016. 

These all need to be removed from my report as soon as possible. 

I am attaching a copy of the letter that the creditor sent to Equifax so they can review it once more. I do not understand why it has taken so long to remove these unauthorized inquiries.
This debt was paid to the origional creditor in full balance of {$160.00} by phone. This company will not remove themselves from credit report, they are illegally trying to collect ... ..
I was seen at XXXX who sent highly personal medical information to AMcol without my consent. My original information I disclosed with XXXX who turned around and sent it to Amcol. Amcol I see is licensed in XXXX are they able to share my personal information as well as attempt to practice in XXXX. I would like this matter looked into please
My husband and I had a mortgage loan with US Bank. We never paid the loan late. We paid the loan off on XXXX XXXX, 2016. However, the lien on our house has never been released. We have contacted the bank " a lot ''. The bankers are very nice. We have letters saying they are releasing the lien. However, XXXX XXXX we live in, XXXX XXXX, Colorado says the lien has not been released. We are concerned that if we just let this go the lien release will not be completed and we will have more problems in the future.
In XX/XX/2016 I was a victim of idententy theft. Someone tried to open several accounts at different companies. XXXX XXXX gave credit to this person and sent me to collections. I never done business with XXXX XXXX. This was reported to Experian and my credit score came down 125 points.
This Account is not mine I have been getting fraudulent activity on my account profile with creditors and it has been reported in the pass. Harris & Harris , Ltd is the collection office that added a negative account with my creditors. 

Thank You
I have in the past dispute collection agencies derogatory remarks on my credit report. They have been removed and keep reappearing on my reports. These remarks have been removed from experian, yet after requesting them to be removed from equifax and transition they still remain. This is preventing me from obtain my mortgage loan. I think the XXXX credit bureaus should be communicating and reporting the same information. Or dissolve them to XXXX national credit bureau, as this is very time consuming to work with XXXX bureaus to clarify my credit information ... .PLEASE HELP
This is a debt that is from XX/XX/2005. XXXX XXXX insured a motorcycle that was totaled in an accident. They reimbursed me for the motorcycle loss. I no longer had a motorcycle at that point but they continued to auto bill my checking account for a motorcycle that no longer existed. Not to mention that this is 11 years old. Now out the blue this company called Credit Control Services just starts to report this to my credit profile and they expect me to pay them. I did not owe this debt then and I do not owe it now. My credit score dropped XXXX points just because of this company 's dumb actions.
XX/XX/XXXX at XXXX I called XXXX XXXX to f gain access to my account due to recent fraudulent activities. After confirming and verifying my personal information, including full social security number, they told me that they couldn't help me gain access until I provide my full name, address, dob, user id for which I did. They then sent me an email which I verified as well. He tells me it takes 24 hours to verify who I am and I explain I need access to the account and I can't get into it. I request management if he can't access give me a manager who can and they transfer me to another supervisor. They advise there are no managers and they don't have an escalation process. They forward me to another supervisor who tells me that they don't have managers. I insist on management and escalation and they forward me to an additional supervisor who reports to me that their manager is home putting his children to bed. I insist on speaking with a manager, they transfer me to yet another supervisor. I'm close to two hours requesting management to access my financial account and they advised me that I can stay on hold till tomorrow but I will not get a management. They have refused management and have no access to my financial information and they refuse to close the account due to this treatment.
I consistently have to dispute accounts with Experian. I can not do online disputes because the system generates questions that have nothing to do with me, my identity nor my credit report. I 've gotten asked twice to verify a mortgage account that is n't even on my credit report nor did I have XXXX opened in XXXX. When I call all I get is transferred constantly. Today is XXXX/XXXX/XXXX I 've been on the phone for over 30 minutes, transferred twice. I ca n't get a fraud alert placed on my account. I ca n't seem to do anything but, they keep placing false information on my credit report. I 'm tired of having random things put on my credit report by Experian. I am not having this issue with any company other than Experian. And I pay for a membership with them through XXXX
The account was paid and still, my credit reports have not been updated an this is impacting my score. Please look at the balance it's showing {$2400.00} and true balance is {$900.00}.
Wells fargo has decided to pay my flood insurance through my escro account, approx {$550.00}, for the last two years to an independent insurer I hired and negotiate with. Prior to that i pay the insurer who pays Wells Fargo. they also upped my mortgage payment by {$75.00}. Raising property taxes is very little and flood insurance do n't match the increase. Going through XXXX WF said they had no paper work regarding flood ins other than last two years. ( did the XXXX erase ). Prior to that they listed excuses detailing why i could n't independently pay for it, all totally bogus of course. I can prove Ive been paying an insurer for years and Wf claimed in XXXX reference they had always paid it my response was then you owe me over payment money. Have n't had an escrow balance sheet in a long time. The new payment disrupted my other payments. XXXX recommended you saying that they do n't have authority to do much. They never talked to me about this insurance or my escrow.
I am not the person in debt, but my sister is. I received a call today from XXXX, asking for my sister by her full name. When I asked who they were, they said " I 'm sorry I can not disclose that information. '' When I asked " Why do you need to talk to my sister? '' they said " It is a private matter. Can you please pass a message? '' And when I asked how they got my information they said " We got it with some software. We ca n't disclose how. Do you know her? Can you pass a message? '' I then told them that I am a third party and they should not be speaking to me and then hung up the phone. They have now spoken to my sister and the company insisted that it is OK to call me, even though my name is not on the loan.
I had a credit card when I was XXXX and was not smart with it and ended up oweing XXXX XXXX around {$28000.00}. Went to court for it about 9 years ago and made payment arrangements. For 9 years I paid them and got the bill down to about {$20000.00}. One day my balance was all the way down to about {$9000.00}. At this point I was glad to be able to pay it off so I settled with the for {$7200.00}. I was never given a reason for my bill dropping {$11000.00} over night. I feel that I might have been taken advantage of at one point. I would like to know if anything Illegal was done. I feel I might have been taken advantage of. Thank you
I contacted XXXX  XXXX XXXX on XX/XX/2018. I informed them that i never had A XXXX XXXX account before, which is the bill they are saying I owe them for debt. I never opened the account and asked for a verification of debt. They informed me that they do not legally have to provide me or notify me of debt. I was never notified about the collections. I never Recieved a letter. I only knew i had the collections because i ran my credit report. When I contacted the company, they could not find my file. They have the wrong name under my social security number. This company is fraudulent and unjust.