WillisBack/dataset-financial-user-claim huggingface dataset:
I sent this debt collector CBM Services Inc XXXX XXXX XXXX Michigan XXXX file # XXXX XXXX XXXX There phone number is XXXX Local # XXXX I sent them a Certified Letter on XX/XX/XXXX with return receipt regarding my debts that they say I allegedly owe. 
I was requesting a collection account validation. 
On the alleged debts that they say I owe upon. 
In my letter I advised them that if there is any violations of my federal and state HIPAA privacy laws violations of the Fair Credit Reporting Act violations of the fair debt collection procedures Act or definition of my character. 
that I would possibly take legal action against them. 
And in this regards they have 30 days to advise me and I have 30 days to comply. 
All I wanted was a credit or debt collector declaration. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
alleged amount. 
Address on file of alleged Debtor. 
Amount of the alleged debt. 
Date that the alleged debt became payable. 
Date of the original charged off or delinquency. 
Was the debt assigned to the debt collector or purchased? 
Amount paid if that was purchased? 
Commission for debt collector if collection efforts are successful? 

I called the collection agency yesterday XX/XX/XXXX because I received their correspondence with nothing that I requested on it. I spoke to a representative and she could not give me any information so she switched me over to her manager. Her manager then advise me it was not my business about the debt and thats what I owed.I asked if they obtained it or purchased it and for what amount and if there was a commission if the debtor was successful at collecting the debt nor she would not respond and said it was not my business if the debt was purchased or not and the amount that it was purchased. I owe what I owe and they don't have to tell me anymore about the alleged debt 's and they don't care it will stay on my credit 7 to 10 years. Her words end of discussion and she hung up on me.

I also advised her before she rudely hung up on me without giving me any information and her words or end of discussion click I said I had medical insurance XXXX and XXXX I was involved in a major motor vehicle accident in XX/XX/XXXX so I've been on Social Security XXXX ever since with XXXX and XXXX as my insurance. 
I'm requesting that you look into this for me and see what you can do so this doesn't happen to other people from debt collectors regarding medical collections. and the debt collectors don't even care about giving you information about circumstances or about a person 's credit report.. 
Also that's it's in violation of 3 major laws. 

Thank you very much for your time to read my complaint and help me to resolve it. 

Sincerely XXXX XXXX XXXX XXXX
The credit bureaus are not investigating my dispute with XXXXXXXX XXXX XXXX for account number XXXX because if they had, they would've known there has never been any payments made from me in XX/XX/XXXX-XX/XX/XXXX. There could not have been any verification because there was never payments made on that account. They have updated my credit report to show " Last payment : XX/XX/XXXX '' but the payment history shows the account was current until XX/XX/XXXX, and the account was charged off XX/XX/XXXX. This has significantly affected my credit score while I am in the process of purchasing my first home. If this is not deleted IMMEDIATELY, I will be forced to file a lawsuit. If me purchasing a house is affected by this inaccuracy, I am filing a lawsuit IMMEDIATELY.
I engaged a dispute regarding a purchase on my Wells Fargo card in XX/XX/XXXX ;  the charge goes back to XX/XX/XXXX. After months of back and forth, WF 'resolved the dispute in my favor ' ( see attached email ). Yet, I can not get them to remove the charge from my credit card, despite numerous requests, and despite notifying them that eventually I would need to file a CFPB complaint. The charge is still listed today ( XX/XX/XXXX ), and they are attempting to force me to pay the amount by XX/XX/2019 ( see accompanying statement ).
I have XXXX as an Insurance provider I 've always been insured by XXXX. XXXX has always paid any bill I 've had. During this time in Question I was insured by XXXX. It is AGAINST THE LAW TO BILL SOMEONE WHO 'S INSURED BY XXXX FOR OUT OF POCKET EXPENSES. If I had a bill I would 've definitely sent it to my insurance company who paid any other bills I had.
On XX/XX/XXXX I submitted a dispute for the charge on XX/XX/18 from the XXXX XXXX in the amount of {$410.00}. Included with the original dispute as well as the redispute filed on XX/XX/18 was an email directly from the merchant prior to checking in agreeing to honor the lower advertised price of {$100.00}. However, the hotel chose to charge me 4x the amount agreed upon.

I filed the dispute originally only days after the initial charge and again a few months after the initial charge, well within the legally allowed timeframe. Yet on XX/XX/XXXX Chase sent me a letter stating the allowed timeframe to file the dispute had passed and they considered the charge valid. 
Thus Chase did not properly investigate or provide a valid reason for denying the dispute as required by 15 United States Code 1666
We received a letter from debt collector, Payliance dated XXXX XXXX, 2015 stating that we owed {$150.00} plus a {$35.00} service fee for our XXXX payment to our son 's orthodontist XXXX XXXX. However, This payment was PAID XXXX XXXX, 2015 Payliance had deducted the amount of {$150.00} PLUS a {$25.00} fee from our checking account. I sent them documents on XXXX XXXX, 2015 disputing the outstanding debt and documbents showing where they automatically took the money out of our checking plus their fee. 

Since then, our orthodontist has verified the account was current. But, Payliance is continuing calling us claiming we owe them the money. they called : XXXX XXXX at XXXX., XXXX XXXX at XXXX., XXXX., XXXX., XXXX XXXX at XXXX., XXXX XXXX at XXXX., XXXX XXXX at XXXX a.m. and XXXX XXXX at XXXX. 

They are calling to collect on a debt that is not valid as of XXXX XXXX when they automatically took the money out of our checking account.
The car loan was fraud.I contacted Santander along with all 3 credit bureau regarding the account..The account was opened using my Identifying information without consent, Santander has allowed such fraud loan to remain on my credit bureau which has caused me irritable harm.I supplied a police report and affidavit.
Because of the breach to credit information, I tried to get a free credit report from all three major consumer reporting companies ( Equifax, XXXX, and XXXX ), none would give me a report after filling out the pertinent information. I was prompted to have it mailed, this is not the time to wait to have credit reports mailed. This is clearly an emergency and needs to be addressed immediately. I can go ahead and freeze all accounts ; however, I will not have an opportunity to verify that everything is correct on my credit report. This is unacceptable.
This matter relates to a checking account ( XXXX XXXX XXXX XXXX XXXX XXXX acct. # : XXXX ) we opened to manage HOA funds after my two partners and I commenced construction of the subdivision. Last year, as we approached 75 % of homes sold, we entered into a contract with a Property Management company to handle HOA matters, which also included them creating a new ( XXXX XXXX XXXX ) bank account for HOA funds. We wrote a check to transfer a large portion of the funds from the Regions account to the management company to place in their XXXX XXXX XXXX account, reserving around $ 6K+ in the Regions account while we continued pursuing a matter with the new HOA board regarding monies owed to our entity they were disputing, hoping that the monies being held in reserve would provide us some leverage in resolving the dispute. 

Well, as we discovered just recently, the Regions account was closed and funds apprehended without our knowledge. I have had both verbal, and subsequently email dialogue with the local branch manager ( XXXX XXXX ), requesting a detailed explanation of how one of the new HOA board members ( and reportedly a former Regions employee ) was able to close this account when my two partners and I were the only three signatories on the account. It took weeks to receive a response, and then when we did, it essentially stated that the HOA acted within the parameters of their agreement with the property management company and any further inquiry needed to be directed to one of them. I replied back that we feel this is a bank matter, not an HOA matter and are still seeking explanation on how Regions could allow an account to be closed without any of the authorized signatories involved. That followup request has gone unanswered, so our next step is to make this complaint and inquiry as we feel banking laws may have been broken. If this matter is more appropriately brought to another governing agency, please advise of such so we can redirect.
I submitted a dispute XXXX/XXXX/16 and requesting information on ym report be validated with my original signature on documents and they failed to comply with my request so I sent a second dispute on XXXX/XXXX/16 and Experian sent me a stall letter stating that they have previously investigated my dispute and will not reinvestigate my dispute. I want all information that can not be verified or validated to be deleted off of my report.
Since the massive Equifax data breach, information is showing on my XXXX XXXX, Equifax and XXXX credit report that don't belong to me. The following account, collection account and hard inquiries are fraudulent and unauthorized: XXXX, $XXXX, XX/XX/XXXX, Equifax XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, $XXXX, XX/XX/XXXX
XX/XX/XXXX I received an email about a previous claim that still has not been handled. 

I received paperwork that needed to be filled out, so I filled it out and sent it back. Still has been no resolution on the fraud investigation from what seems like way longer than 90 days ago.
I have a hard inquiry on my report from Capital One. I have never applied for a credit card with this company, and need it taken off immediately.
On XX/XX/XXXX I checked my balance from my Chase App and it showed I had just over {$50.00} remaining in my account. This was perfect for what I needed to get done, so I went to the grocery store, gas station and verified I 'd have enough. So when I check my account balance Sunday XX/XX/XXXX you can imagine my shock that I have 3 NSF fees and another on the way for a total of {$130.00} and this is all for about {$27.00} worth of charges. To say this is excessive is putting it mildly. The company also has reps in customer service that do not care or want to help, they are rude and robotic following a script and clearly not allowed to hear any " excuse '' for overdraft. The bottom line is that I look at my balance and if there is anything pending from debit I would think it would reflect that, in this day and age how can it not? I don not feel I should have to pay the bank {$130.00} for {$27.00}!
On XX/XX/2017, we charged a tuition payment of {$4600.00} on our CHASE credit card to " XXXX '' vendor. Our credit card was compromised and the payment was retracted by CHASE. Somehow, XXXX was involved ( by XXXX ). Over the past 18 months we have had numerous communications with XXXX, XXXX and CHASE none of whom admit to having the funds. We certainly do not have the money. I have not utilized the XXXX program and want to receive our money back. Please help. Thanks.
I recently closed on the purchase of a home. The Closing Disclosure was generated multiple times in the 24 hours leading up to the close date. There were glaring errors on the CD. The banker admitted that the CD numbers were incorrect. I understand that certain numbers will change slightly, but in this case there were blatant errors to which the banker admitted. He insisted that I sign the CD 3 days in advance of the closing even though he admitted that the numbers were incorrect, telling me that if I did not sign the document we would not be able to close on time. An example : the " Down Payment/Funds from Borrower '' incorrectly listed the purchase price. 
In addition, the Title company told me that they quoted the Title Search amount to be {$500.00} but the banker quoted the Title Search at {$300.00} on the Loan Estimate and on the subsequent CD 's until the very last CD was sent to me just hours before the closing. The final Title Search amount was {$710.00}. That 's a long way from the {$300.00} initially estimated. 
Every time the CD changed the total Cash to Close was higher. 
I highly recommend that people avoid using Branch Banking and Trust Company ( BB & T ), XXXX, FL XXXX - XXXX
I was working with XXXX XXXX way before he came to Envoy Mortgage Company in fact I think he had switched jobs twice before landing at Envoy. XXXX XXXX in XXXX XXXX and then XXXX XXXX in XXXX XXXX. When he landed his job at Envoy he was determined to help me get a refinance loan. He worked very hard and then just gave up on me, we miscommunicated with phone calls and documentation, he kept saying due to my not getting documents in time over to him but in reality I think he kept them on his desk and let them set, not once but three times did I have to give him documents that he already had. I finally gave up on him in on XXXX XXXX, XXXX and asked for all my paper work back, his last email sent to me was dated XXXX XXXX stating he returned my documents, I 'm still waiting for those documents. I have sent him several emails and no response. His information : XXXX XXXX XXXX : XXXX XXXX # XXXX Envoy Mtg. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX OH XXXX. Cell phone # XXXX, XXXX # XXXX and Fax XXXX. 

It should not take over three months to get a loan. He started Envoy around XX/XX/XXXX and yet I 'm still waiting for documentation. I 've called several times, emiled countless of times and yet no response. I want my paperwork back.
I have previously had this collection removed from my credit bureaus ... however, it is now being reported again under a different company by the name of  Alltran Education. I  do not have any contracts with this company.     As previously noted when this account was removed from my credit report, all of my communications have been with  XXXX   XXXX  University (  XXXX   ). T hey wrongfully submitted my account to collections while I was under a payment plan with them, and refused to pull it back. all supporting documents were submitted in the prior disputes. Alltran, the new collections company, contacted me to continue payments, I have been in communication with them for this student account balance, and specified to them this was the last of my balance with  XXXX  -- I previously paid out of pocket over  XXXX  to  XXXX , and this balance was the last of what was owed, which payments were being made on.. I told Alltran all payments would be made online to the creditor. however right after speaking with them, they reported it to my credit report. which appears to have been done out of spite after me telling them I would not pay them directly and it was being handled with  XXXX . I do not appreciate unethical business practices when I am already attempting to take care of this matter that should not have reached this point in the first place.  XXXX  improperly reported my balance, and breached their agreement by sending it to collections, which is why this account was previously removed from my credit report in the past. Furthermore, Alltran reporting this to my credit bureau as a " threat '' because I informed them I would not pay them directly ( probably because the representative would not receive commission for it ) is completely unethical.  XXXX  has previously taken responsibility for not properly handling my account.     Because  XXXX  has caused this much trouble for not properly handling my account, even still after the prior disputes, I have contacted a lawyer as well to handle this further.
XXXX   XXXX ,  2017 Bureau of Consumer Protection  Federal Trade Commission   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   DC  XXXX   RE :  FAILURE TO RESPOND TO DELTETION/CORRECTION LETTER To Wh om It May  Concern : On  XXXX   XXXX ,  2017, I   received a letter from   XXXX   that they had completed an investigation and deleted the bogus information on my file ( please see attached ), yet as of today it still shows on my credit file and has not been deleted and they have refused to remove it.     The law stipulates that they must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. They also can not add it back to my file per the law.   XXXX   has not followed the law because they have not deleted the information per their own investigation.     I also understand tha t may  suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. This is an apparent disregard for consumer protection laws.     If you have any questions or need additional information, please contact me at the address noted below.       Thank you.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  XXXX
I have several accounts thats shown on my credit and that should not be list on my report.. these accounts where settled in my divorce.. 
The accounts are as follows XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
On XXXX/XXXX/17at approx. XXXX XXXX I received a messaged from a man stating he would be at my house within the hour. And if I was not there, he would show up at my place of business until he found me. I call the number back that he provided, XXXX and was told it was in reference an old credit card bill that I owed. I made a {$50.00} payment. The company ID 'd themselves as ICR. After I paid the bill I received calls from two relatives letting me know they received the same message between XXXX and XXXX stating that a man would be showing up at my residence. I call the XXXX  number back and asked to speak to a manager. I was transferred to a male who ID 'd himself as XXXX, Director of Operations. I told him my name and the phone calls I received and my relatives received. He became belligerent and insulted me. I wanted to know if it was general practice to tell a single mother that there would be a man showing up at her house within an hour with documents. He laughed at me. This is very upsetting and frightening to me that a man can threaten to show up at my house in the evening and when I tell the company he represents about it, I am laughed at. I kept the original message, as did my relatives
I responded to a XXXX ad claiming to be work with the government and help students with student loan forgiveness. During the conversation she was able to have access to my XXXX XXXX, bank account number and routing and was able to extract my SS # and had my CA Driver 's license no.she she drew up forms with my info saying that they were going to help me and that had to pay XXXX lump sums of money before I could pay a very reduced payment for 120 months. she had me click sign her buttons on the forms to generate a generic signature of my name. I have called my bank to close my account and changed security questions, user id., & password. I 've filed a complaint with the FTC.
The company that colle cts, Navient, g ranted me a deferment on my student loan in    2014  due to loss of income and a period of unemployment. After having my monthly payments lowered to about {$230.00} per month, to be paid on the  XXXX  day of the month for 8 months. I get contacted by Navient shortly afterward indicating that payments were missed. Upon contacting my bank, there were no instances of insufficient funds, and that  Navient  did not withdraw any of the monthly payments, my loan was in default and the deferment cycle has to be reset. This has been happening every year since  2014 . After meeting with m y financial advisor to a ssist me with my credit report, she suggested that I file a complaint, since apparently other customers have had similar experiences with Navient.
On XXXX/XXXX/15 {$950.00} was directly deposited to my rushcard. Immediately I made some purchases. Leaving an available balance of {$590.00} on my rush card. On XXXX/XXXX/15 I received a text message saying my card has been blocked and to contact a representative at rush card. Numerous attempts were made to contact a rep. On XXXX I found out I would have to wait for rush card officials to " fix '' their system in order to spend my own money. Not one rep could tell me when this would take place. As of this evening I 'm still not given a specific time frame my hard earned money would be available to me
I submitted a check via Capital One 360 Bank 's mobile application check deposit service. The check cleared the initial stage of verification, but at the end of the five-business-day hold, my funds were n't released to me ; paradoxically, my account was frozen. I have contacted Capital One 360 Bank about twenty-five times in regards to this issue, and been unable to reach a suitable resolution.
My student loan was suppose to be deferred until XXXX. Late XXXX/early XXXX, they reversed my deferrement for no reason and without notice. Immediately than reporting to all 3 credit bureaus that I was late and it dropped my score 100+ points, At this time I was trying to get a new mortgage and this issued caused me to not be eligible for a regular loan and in turn the mortgage companies that I turned to all told me that to be eligible I would have to pay XXXX {$23000.00} in one lump sum to be able to receive my mortgage. We were in the process of selling our 1st home so this meant a LARGE portion of my profit was going to go to XXXX that messed up my credit score causing me to not be able to receive a regular loan. That amount was paid HOWEVER trying to contacted XXXX repeatedly for them to fix the " late payments '' because I was NEVER late, it was deferred and they withdrew the deferred with no explanation, even when I called they could not tell me. I would like my {$23000.00} refunded as well as an updated credit score stating that I was never late and the rest of my student loan forgiven. I was and still am emotionally drained from this because the student loans are haunting my credit score for no legitimate reason. I believe this is some type of scam because they sure will answer when a {$23000.00} payment is being made to them but wo n't answer me regarding my " late payments '' that I was never late on.
Citibank Sears will not change the monthly amount from {$300.00} to {$200.00} as I can't pay the bill. They will not work at all to help at all. I called three times to ask for help and they won't help.
I was told that the mortgage was paid in full and Green Tree Servicing cancelled my homeowner 's policy and sent me a letter indicating that the insurance was cancelled because the loan was paid in full. Subsequently, they have called me constantly, from morning until night demanding more money. I sent them an additional XXXX last month and I am still receiving threatening letters insisting that I still owe more money. I requested a payoff and the payoff says that I owe XXXX even though the statements I have received say that I owe XXXX in principal and XXXX in escrow. Every time they call here, I have requested an explanation for this discrepancy and in addition I have called countless times to try to get a straight answer but they never provide XXXX. " Someone will research it and get back to me, '' or " they 're looking into it and will call me back, '' but they never do. Still, the collection calls and letters keep coming. This is so stressful that I feel sick.