WillisBack/dataset-financial-user-claim huggingface dataset:
Hi, I would like to file a complaint against XXXX XXXX  and Collection Bureau of America.

COLLECTION BUREAU OF AME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  ( XXXX  ) XXXX On XX/XX/XXXX, I checked my credit report and see that my credit score has gone down and there is a collection on file from Collection Bureau of America. I saw that the original creditor was XXXX XXXX XXXX XXXX XXXX. The account was opened on XX/XX/XXXX ( 5 yrs, 3 mos ). The balance is {$380.00}.

I called XXXX XXXX at XXXX on XX/XX/XXXX @ XXXX to find out what happened. I was told my account was in collection and I need to call XXXX. I called XXXX on XX/XX/XXXX @ XXXX. I inquired for the status of account. The rep informed me the account has been in collection. I told the rep I know because I know it on my credit report. I asked the rep for more information on my account. She stated the last payment I made was on XX/XX/XXXX for the amount of {$100.00}. I informed the rep I was not aware of any outstanding balance. We did not use the XXXX XXXX that long to owe {$380.00}. I asked the rep for a copy of the bill. I asked the rep to email it to my personal email address. I spelled my name out letter by letter. The rep said I should receive it shortly.

Today is XX/XX/XXXX. I have not receive a single email regarding my account or balance. To date, I have not received any written notice of my balance from XXXX XXXX or from COLLECTION BUREAU OF AMERICA. I have not been given the option to dispute my account. I was not aware of my account going in collection until I checked my credit report!

We stopped using XXXX XXXX years ago. It is unfair to find out my account is in collection through my credit report. XXXX XXXXXXXX did not notify me of the balance nor the warning my account will go to collection.

COLLECTION BUREAU OF AMERICA did not provide any written notices via mail of my account or my dispute rights. It is unfair to put my account in collection. It is unfair for me to find out through my credit report. It is unfair for me to reach out to the company for the bill and still not receive it.

This practice is unprofessional and unethical. I asked that my account be removed from the my credit report.
XXXX XXXX Inquiry from XX/XX/2018 The above inquiry is Fraudulent. Please investigate and remove.
Our vehicle was totaled in XX/XX/2016. We have been waiting on the insurance to pay. The insurance payment was made XX/XX/XXXX in the amount of {$22000.00}. We had Gap insurance, which was to cover the remaining portion. The gap insurance payment was on the way. I called Chase a spoke with a representative on XX/XX/XXXX. I also sent the gap breakdown. The representative told me I would still owe {$140.00} after the gap insurance. I paid this on the phone that same day ( XX/XX/XXXX ). On XX/XX/XXXX I noticed the account still had a balance. I sent an email ( which they never responded to ) asking if there was an issue and to confirm receipt of the gap insurance money. On XX/XX/XXXX Chase reported a delinquent account to my credit report. I called Chase on XX/XX/XXXX and a representative confirmed that they received a payment of {$1500.00} from the gap insurance on XX/XX/XXXX. He said it would take 2-5 business days to process. I called back on XX/XX/XXXX twice and spoke with two different representatives ( ID # XXXX & ID # XXXX ). I asked them why it only showed a payment of {$930.00} was made when I confirmed that they received a check from the gap insurance for {$1500.00}. I asked them where the other {$590.00} was at. Neither could explain and said they would look into the issue and call back. I never received a call back. My Chase account shows a balanced owed of {$410.00}. However, there is {$590.00} of the insurance money that is unaccounted for and no one from Chase will explain or call me back. I sent another email today and still have not received a response from them. Not one Chase representative that I have talked with has been able to assist me with getting this account paid off, but yet they reported my account as delinquent to the credit reporting agency. From what I can see, they owe me money back.
check into cash has repossessed my car for a title loan with out do process. 
They Never notifying me that repossession was going to take place, Never giving me a chance to cure the default. I also keep in contact with the company notifying them of a hardship. I was told my dept would go to collections, not one thing about repo my car. They also are lying about sending fair notice of how to clean default. My car is worth more then I owe.
This is regarding overdraft fees that I was charged by Bank of America : I was charged {$240.00} for transaction overdraft in XXXX of XXXX, and {$420.00} in XXXX of XXXX. This is only the charges on my Bank of America checking account. I have a credit card linked to this account for " overdraft protection '' and somehow I was charged additional overdraft {$200.00} on the credit card side for the same transactions. I do n't know how that is overdraft protection when the setup gives the bank more opportunity to charge you bank fees.
XXXX XXXX XXXX appears on my credit file as a XXXX XXXX XXXX   XXXX  in which I did not apply for. I'm not trying to hear the XXXX about Experian owns or merge or what ever lie XXXX XXXX is running. Now its XXXX XXXX XXXX all it is a scam by Experian as well as XXXX XXXX XXXX. I did not apply or request no loan from XXXX XXXX XXXX XXXX. I'm also filing a complaint with the XXXX XXXX. I opt out with Experian in XXXX XXXX XXXX for no marketing or offers as for my opt out is violated. 
XXXX
XXXX XXXX keeps ignoring my request to discharge debt as fraudulent debt the charges are fraud related. and stop calling my cell and family cell numbers.FURNISH COLLECTION AGENCY INFO.
In XXXX XXXX i disputed with creditor over falsely claiming to report to the XXXX major credit bureaus after acount had been open more than 6 months. I requested to have account cancelled and pay of the remaining balance without further interest accumulating. After agreeing verbally by phone the account immeadiately went to a collections account, XXXX managment services, with full interest. The XXXX XXXX account then shows up only on my transunion report as a charge - off which i find completely un acceptable to the terms agreed to especially after falsely advertising their product
XXXX XXXX is a debt collection company that alleges that I owe them a total of {$1600.00}. On at least two occasions that I can verify : XX/XX/XXXX and XX/XX/XXXX I requested that the company verify the debt in compliance with section 609 of the Fair Credit Reporting Act. The company refused to do so and sent back a letter stating that they did not understand my letter. On XX/XX/XXXX I received a letter threatening legal action on the two accounts even though they refuse to verify the debts.
I WAS TOLD THAT BECAUSE I AM A XXXX / XXXX PERSON, HSBC WOULD NOT ACCEPT MY APPLICATION FOR A SIMPLE CHECKING ACCT, STATING THAT I LIKELY HAD NO VIABLE SOURCE OF INCOME ... .EVEN THOUGH I HAVE SS. THIS IS A CLEAR VIOLATION & OF DISCRIMINATION LAWS
There is a account that my mortgage loan officer found while im in the process of getting a mortgage with the creditor name Kays Jewelers that show it was opened in XXXX and its a bad debt placed for collection with the last four of the account number showing as XXXX. I 've contacted this company on numerous of occasions to tell them about this fraudulent account and was willing to send a copy of my fraud affividat and police report because i 've never had or opened a kays account and I demand this company remove this account from national credit reporting agencies and my liabilty from this account within of 5 business days of recieveing this notice. The company has ignored my correspondence regarding this issue and if they do n't remove my liability and this account from my credit reports I 'm going to file a lawsuit in the court of law on the 6th buisness day along side my lawyer for puntative damges and emotional stress in the amount of XXXX dollars if they dont get this issue resolve. Identity theft have taken control a big part of my life and i 'm not just getting things in order and I wo n't let this happen anymore.
M & T Bank Mortgage servicing website has regular outages on critical due date or end of grace periods in order to charge late fees and then when a request to remove the late fee is provided, M & T Bank send a canned response stating their website supposed availability hours. Unless pushed they refuse to even address the question to remove the unwarranted late fee. This has happened in 3 occasions in the last 7 months and some times it takes several interactions with them to do what they should have done automatically. 
To support my statements here I can provide proof of payment and proof that M & T Bank has sometimes generated and sent 2 or 3 different statements in the same month to confuse the issue further.
Chase Bank refused to add my spouse to my checking account with proper identification because the ID presented on two visits did not meet their standard of " legal and proper. '' All IDs presented are legally permitted ; temporary DL issued by Florida, XXXX XXXX credit card, valid XXXX Passport, Temporary work authorization issued by US Immigration, Social Security Card. None were accepted. On a second occasion, when planning a trip to XXXX with my spouse, the bank refused to put a travel notification on my debit card because they consider XXXX at risk for financial crimes. I have come to the conclusion that they are discriminating against us based on his country of birth and origin. All complaints to the company have been ignored.
I received an offer on my Barclaycard Advantage Aviator Red Mastercard in   XXXX   XXXX   which would result in 30,000 bonus American Airlines AAdvantage miles after spending {$2500.00} per month between   XXXX   XXXX   and   XXXX   XXXX  . The offer stated the miles would post to my account 6-8 weeks after my statement closed after the promotional period. It has been more than 8 weeks since then, but the miles have not posted. I contacted Barclaycardus ; however, I was told the credit card company 's records showed I did not sign up for the offer. The attachment show the offer, confirmation of my registration, and confirmation of my spend on the card.
I believe that I have been targeted by debt collection scam by a firm named CRS purporting to be a law firm and threatening suit on a stale account in addition to not identifying themselves as a debt collector. Today I received a voicemail from their computerized pre-recorded auto-dialer that stated the following message : " This message is intended for [ my name ], we have been instructed to obtain a statement from [ my name ] prior to filing in your jurisdiction you can provide your statement directly to XXXX. '' I later called the number and the call was answered as " CRS '' by someone identifying themselves as XXXX who reluctantly said was a receptionist after extended questioning. I asked her why they called and she said that it was regarding a debt I owed. I asked where they were based out of and she said they are out of New York. I asked her if they were a debt collector and she said that they were not a debt collector, but a " pre-litigation '' ( her words ) company. I asked what that was and if this was a law firm, she stated again that they are a pre-litigation company and work with a group of attorneys. At no time did she explicitly state that the call was for debt collection purposes, despite stating the call was regarding a debt I owed. She confirmed my name and the county my address is in. 

She said that she would transfer my call to the paralegal handling my case after verifying my information which I gave to her. She transferred me to someone identifying themselves as XXXX who said that they were calling on behalf of XXXX XXXX XXXX who I failed to repay a debt to. I told her I do not recall having any current XXXX XXXX XXXX debts and she said that I opened the account in XXXX and stopped paying it in XXXX. I asked her if she was threatening me with a lawsuit on a time barred debt and she stated that it was illegal not pay them back. I told her failing to pay debts was not illegal and asked again if they were trying to sue me on a debt outside of the statute of limitations. She became very loud, abusive and insulting, which made me angry and I yelled back and she hung up on me. 

I called back the original number and spoke with the same person that answered the original call, I asked for her name and she said it was XXXX XXXX and I asked for my representative 's name and she said that it was XXXX XXXX. I Googled the name CRS and found out that the company was currently being sued by the FTC and has a history of similar actions in addition to no longer being licensed in my state.
Ebay has placed hold on my PayPal account and is preventing me from accessing my money from a sale I 've made. Upon speaking with a manager he said that ebay will never release my money
This Advosors Mortgage Group it look like is not real. By mistake I applied with them for refinance my house and I received a small thank you card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX... Inside the envelop is a little bussiness card from Advisors Mortgage group XXXX XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX NMLB # BRANCH XXXX NWLS # XXXX A+ Rating with the XXXX XXXX XXXX ... 

My personal bank account was hacked 3 times after the comunication with this people. 

I am not sure if this people they are involve too but my responsibility is report this type of issues..
XXXX XXXX XXXX a Westamerica Bank loan officer XXXX after he got me a credit card from Westamerica Bank. Then he insisted that I better fix damages to his home before he gets home from work or he was going to beat me some more. Out of fear I fixed the apartment on credit, but now the doctor says I ca n't work for XXXX months. How am I suppose to pay for this I do n't know what to do.
I have recently discovered some collections on my credit report that do not belong to me. Someone has used my name and now I am repeatedly being harassed and threatened for bills that do not belong to me. These agencies use XXXX collection attempts and the US Govt. should stop this. These collection agencies are relentless and they continue to call my place of business, my home, my friends and my relatives, all hours of the day or night seven days a week. They are trying to force me to pay for services and/or bills that are not mine. Also the collections are from a state I have never resided in. I have tried to resolve this on my own to no avail and I refuse to pay or settle on a bill that is not mine. Looking through my investigative notes it seems that the ( XXXX ) medical collection 's on my credit report are connected to XXXX visit to a NC doctor visit. It seems my name has now been sold to yet another batch of piranhas because I am now being harassed from new telephone numbers from a different state.
I do n't understand how I can be submitting multiple pages of proof to the credit bureaus proving that these accounts are inaccurate and must be removed and yet, XXXX XXXX did not remove these accounts! Congress clearly states in XXXX XXXX XXXX  XXXX that the burden of proof is on the creditors and the credito bureaus and NOT me so how come nothing isbeing done to assist me? What other proof is required of me to show that these items are not reporting per federal law? 

I 'm attaching the lawsuit that clearly spells this out as well as my credit report and my actual disputes. I do n't understand who allows them to do this ( governement, etc. ) but this is a complete violation of my rights under the FCRA! 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : XXXX XXXX XXXX/Equifax and XXXX  {$0.00} Past due : XXXX and Equifax $ XXXX {$65000.00} XXXX shows that I paid on time for XXXX XXXX an yet you show that I was late! How can that be? 
You are also still reporting late payments that make no sense! You state that I was late in XXXX of XXXX, and XXXX and XXXX or XXXX while Equifax clearly shows that I paid on time. Delete this account at once!
On XXXX/XXXX/2017 I tried to access my Experian credit report under the FCRA due to been denied credit and after providing my information I was denied access to see what is on my report and if there was anything I needed to correct.
XX/XX/XXXX I applied for a loan with loanme.com. Under distress I got this loan yet not fully understanding how the interest rate and payment would go. After making payments for a loan of {$2500.00} I was told in XX/XX/XXXX that I owed over {$6000.00}. It would take over 2 years to pay off. I do n't have that kind of money nor knowledge of how this would work. anyway the calls of been a lot. as of XXXX/XXXX/XXXX I received a bogus threatening email stating I was taken to court in XXXX. I called the XXXX court and they have nothing.
I HAVE CONTACTED TRANSUNION ON 4 DIFFERENT OCCASIONS BY SENDING THEM CERTIFIED LETTERS TO VALIDATE AN ACCOUNT FROM XXXX XXXX AND XXXX. 

XXXX HAS NEVER RESPONDED TO ANY OF THE CERTIFIED LETTERS I SENT THEM, INSTEAD TRANSUNION KEEPS RESPONDING BY SAYING THE ACCOUNT IS VERIFIED. HOW IS IT VERIFIED WITHOUT ANY INFORMATION BEING SENT TO ME. WHAT ARE THEY VERIFYING? THIS IS AGAINST FAIR CREDIT REPORTING ACT BECAUSE YOU CAN NOT REPORT SOMETHING THAT HAS NOT BEEN VERIFIED. IN FACT, TRANSUNION HAD DELETED THE XXXX ACCOUNT WITH ACCOUNT NUMBER XXXX AND THEN PLACED IT BACK A FEW WEEKS LATER UNDER A DIFFERENT ACCOUNT NUMBER. THAT IS WRONG AND I AM GOING TO SEEK LEGAL COUNSEL IF IT IS NOT REMOVED IMMEDIATELY. 

I HAVE ALSO SENT XXXX XXXX REQUEST TO VALIDATE THE ACCOUNT ON MY CREDIT REPORT. ALL THEY DID WAS SEND ME A LETTER SAYING THIS IS MY ACCOUNT. WHERE IS SIGNED CONTRACT? TRANSUNION KEEPS VERIFYING THIS ACCOUNT WITHOUT PROVIDING ANY DOCUMENATION FROM THE CREDITOR.
XX/XX/2018 XXXX XXXX  - I requested a credit increase on a credit card from US Bank, and it was never disclosed by the US Bank representative that there would be a credit inquiry. I did not authorize the a credit inquiry by US Bank. 

XX/XX/2018 - I spoke to a US Bank supervisor ( XXXX XXXX ) that went back and listened to the call and confirmed that the US Bank representative did not disclose the credit inquiry and in turn did not authorize the credit inquiry by US Bank. I was told that I would have to fax a Credit Dispute to US Bank with the information and that it would be removed. 


XX/XX/2018 - I followed up with US Bank and spoke to a US Bank supervisor ( XXXX XXXX ), and she said nothing can be done. 
US Bank is not appropriately responding or taking action to my request. I just want US Bank to delete the credit inquiry. As it is having a negative effect on my loan applications and my acquisition of credit.
GM Financial Inc. 

Background I have a lease with GM Financial. GM Financial uses XXXX XXXX as their payment service. I setup automated payments via XXXX XXXX at lease inception. I was unaware that automated payments automatically ended after a 2 year time frame. I was subsequently late on my GM Financial lease. 

Issue At time of lease, I setup a user profile on GM Financial website with all of my current phone, email, address information, re-updated when I moved as well. When lease was taken, salesperson copied all my contact info from a prior lease and I signed, not reviewing my phone number. 

When my auto payment was stopped, I was not informed by either phone, email, or mail. When my account went late, I was not informed by either phone, email, or mail. GM Said they called my phone number on my original credit application, not the phone number on my online account with them. They said the collection department and online accounts don't link.

What is happening with this type of non-communication.

The only reason I found out that I was late was because I applied for a mortgage and the lender informed me as such. If I didn't run my credit, I would of found out when a repo truck pulled in front of my house to take my vehicle. GM goes out of their way not to inform people when payment processes change, or even when they are late. They do this so they can increase income via late fees and eventually repo the cars for non payment. 

This is predatory lending at it's definition. 

To summarize. I have made payments online for 2 years via auto-pay on time. My auto pay cancelled without me knowing. GM Financial failed to contact me. I went late, GM financial failed to contact me with information that they have had in their systems. I would of never found out unless I ran my credit. 

I can only imagine the type of negative impacts this is having in communities that are less fortunate. Excessive fees added into balances can cause people to default. This has to be stopped. GM Financial has to make all efforts to inform their customers when a payment goes late. 

These types of actions are decimating the lower income communities by charging more fees and hurting credit so borrowers have increased costs on future loans.
Opened a car loan account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX back on XX/XX/XXXX the loan was going smoothly and payments were made until a move/job relocation in they did a special two month loan to help out near the end of that I find out ( through Pinnacle ) that they are demanding payment for the two months missed. I notified the Tennessee State Attorney General 's office regarding this and they ruled in my favor ( and they backed off ). The job I was working at fell through and I started to struggle falling behind on nearly EVERYTHING In XX/XX/XXXX I decided to file for a Ch XXXX bankruptcy. The timing of the file may have sent out a payment collection notice from Pinnacle a few days after it was filed. But I still continued to get payment notices from them in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. A total of four letters for payment demand. I notified my attorney on this and they did NOTHING. Due to work conflicts I was unable to meet two of their demands and the bankruptcy was dismissed. At this time I also noticed that my credit report took a serious hit due to no payment from Pinnacle in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX r I contacted them about it an dtonight XX/XX/XXXX from their " legal counsel '' that they are going to sue me for the payment and the fact I got payment demands from them while I was in bankruptcy does not matter ( yes it does ) so I am sending this to you now and going to stop at the county courthouse tomorrow after work to file a lawsuit fo rdamages caused by them in violation of the Fair Credit Reporting Act.
I submitted a dispute to Experian to remove an outdated item from my credit report. The reason is the original delinquency occurred in XXXX. The original creditor was XXXX and the item has been successfully removed by the other credit bureaus with no problem. Experian has the capacity to look back at my credit reports from XXXX and XXXX to confirm my claim. However, Experian is allowing XXXX XXXX debt collection agency to report the original delinquency with a more recent date so it can stay on my credit report. The debt is outside the statute of recovery for the state of Georgia, which is four to six years from the last payment. My last payment to XXXX was in XXXX.
On XXXX/XXXX/XXXX, I received a collection notice dated XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX XXXX attempting to collect on {$370.00} allegedly from XXXX. On XXXX/XXXX/XXXX I sent by certified mail ( with signature confirmed delivery of XXXX/XXXX/XXXX ) a letter requesting explanation for alleged debt. They did not respond. On XXXX/XXXX/XXXX, I received a collection notice dated XXXX/XXXX/XXXX from Convergent Outsourcing , Inc for the same debt. On XXXX/XXXX/XXXX I sent another request for explanation which also was not responded to. On XXXX/XXXX/XXXX I received another collection notice from Convergent. 

To my knowledge I have never had a XXXX bill sent to collections ( my credit history confirms this ). I do not currently have a XXXX account.