WillisBack/dataset-financial-user-claim huggingface dataset:
I notified TD bank in XX/XX/XXXX or XX/XX/XXXX that the account that was showing in collections on my credit report was n't mine. They did an ach withdrawal from my XXXX XXXX XXXX checking account in XX/XX/XXXX and I had to close the account for fraud. They took information for me. I thought this was corrected but apparently not. I opened a XXXX letter this morning at XXXX XXXX and saw this same account. Along with an address that I have never lived at. I called 2 times this morning. XXXX transferred me to recovery to which the lady hung up on me and I asked for a manager several times. I called and got XXXX who I told right away that I wanted a manager and she proceed to try and blow me off and then finally says wow and put the phone on hold because she thought I was going to hang up. I explained the situation to XXXX who said that she would get a manager in the correct department which she did n't. I got XXXX and asked if she was a manger and she said no and refused several times to give me a manager and she hung up as well. Both the recovery lady and XXXX  were made aware that I was going to file a complaint on TD bank with the cpfb. If they told me they had everything they needed years ago why is this issue still not resolved?
On XX/XX/2016 I bought a product to the company XXXX, I never received this product, I made a dispute to my credit card synchrony bank, my bank responded that the company had given them a tracking number, the Traking number says the product was thrown at the fence door, I never received this package, they are charging me for the package that I never received, I do not hire the packaging company, it is not my responsibility that the product is found Lost, all responsibility is in the company that sent the package and did not require a signature for delivery
1. In a letter dated XX/XX/2018, I requested XXXX XXXX XXXX XXXX ( " XXXX '' ), my mortgage servicer, to remove unfair reportings to my credit reports of : 180 days late to XXXX and Experian ; and 120 days late to XXXX. I have a certified mail proof of delivery receipt dated XX/XX/2018. Thus, XXXX 's 30 day deadline was XX/XX/2018. 

2. I obtained a copy of my XXXX, Experian, and XXXX credit reports on XX/XX/2018, well after XXXX 's deadline of XX/XX/2018. XXXX, XXXX was required by federal law to place a " notice of dispute '' on my accounts no later than XX/XX/2018. 

3. In a letter dated XX/XX/2018, I notified XXXX that it had not placed a notice of dispute on my XXXX, Experian, and XXXX credit reports within 30 days. Thus, federal laws requires XXXX to completely remove the items reported late from each of my credit reports. 

4. XXXX still has not complied with federal law. The late reportings are still on each one of my credit reports and I want them removed.
On XX/XX/XXXX my mother passed away unexpectedly. As Beneficiary of her property left me to pay her equity, utilities, and other payments alone. I am XXXX  and receive Social Security benefits to live. I have lived with my mother off and on for over 35 years paying rooming expenses, and working where I can. I purchased a car in XX/XX/XXXX for us after the car we had for transportation was too expensive to repair. It was left to us in my father 's will when he passed. The car I had before this had been stolen, wrecked, and a hole punched in the gas tank rendered it useless. In the past I have been on time with my payments, insurance, and taxes but it very difficult for me to maintain the same payment regimen without mothers Social Security and Pension that supported us both. I can no longer afford to make the past due amount of {$750.00}, there is nothing left of my benefits after the Mortgage and utility payments are made. When I spoke with a representative to request a reduction in payments for 6 months or more my request was denied. He did offer to allow me 30 day delay to make a regular monthly payment that would be retroactive to not reflect the lapse. I was not able to comply due to heavy expenses of paying utilities that had threatened to be shut off. A recent letter stated if past due payments were not received by XX/XX/XXXX the lender is prepared by law to take repossession action to recover their loss and any under payment they received as a result would be billed to me. I am not arguing their right by authority to repossess the car, but I do wish to mention that since I have had the car I have received at least 3 Recall Notices for mandatory repairs that were required legally and deemed unsafe malfunctions. Although I never had to pay for the repairs, it is scary to know the car we were driving may have dangerously faulty parts that may malfunction at any time. I feel that I should not have to owe them anything if they repossess the automobile. I realize I will be out of a way for private transportation, but public transit is a possibility I can utilize even though I have a XXXX, walking is difficult and painful at times for me. This was the main purpose of purchasing an automobile, it did not matter if it was shiny and slightly used or a XXXX XXXX rebuilt as long as it could safely take me and mother to and from our destination. I am hoping the lender will allow me additional time, with a reduced monthly payment but I seriously do not believe this will happen. On the other side, if the lender repossesses the auto then give me some credit for timely payments, mandatory repairs, and omit any interests they may claim I owe them as a result of their actions. I would like to keep the auto, but if letting them repo it is a solution to the past due amounts I will not stand in their way. 
I hope a mutually compatible agreement can be reached either way. Thank you for any help you may be able to provide. Sincerely,
I contacted Wakefield and Associates on XX/XX/XXXX about an alleged {$1200.00} debt to a hospital. I asked that they return proof that I actually owe what they claim. They have failed to produce proof in over 2 months and they are impacting my credit with claims of late payment.
XXXX XXXX XXXX XXXX has recently placed a negative account on all 3 of my credit reports with XXXX, XXXX, and XXXX on XX/XX/XXXX. I do not have a contract with this agency, nor am I responsible for this debt. The company has not validated this debt, they have only sent an itemized bill without my signature on it. The account number is : XXXX in the amount of {$230.00}. The original creditor is XXXX. In XXXX, this debt was showing on my credit with Amsher Collection agency, which in turn sold this account to XXXX or XXXX XXXX XXXX XXXX. Once I disputed this debt and negative account with Amsher in XX/XX/XXXX, Amsher Collection immediately took this debt off of my credit report and did not want anything to do with me disputing this inaccurate information. On XX/XX/XXXX I was told by Amsher that this would be deleted off of my credit and that they had sent letters to all 3 Bureaus. The debt was taken off of my credit. Now, fast forward to XX/XX/XXXX, this same debt re-appears on my credit without my knowledge, and with a different collection agency called XXXX. This is unfair debt collection practices. I want this inaccurate, no contract, not liable, negative debt and account removed from all 3 credit bureaus.
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX  with no success. They have refused to update information. Accounts to be removed : XXXX XXXX : XXXX, XXXX XXXX # : XXXX, XXXX XXXX Unknown, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Unknown XXXX XXXX XXXX XXXX XXXX Unknown , Tax Lien 3 XXXX XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL. Never worked at XXXX XXXX.
I paid off my coop mortgage in full in XXXX 2016. I have been waiting for my original stock certificate, note, and security agreement. According to NYS law, these documents are to be delivered to me within 45 days of payment of the mortgage. I 've called Ditech, sent letters, etc., but only get roboletters in the mail stating that it is looking into the situation. Clearly, the documents are lost. I had to pay {$600.00} to get at least a replacement.
I was first contacted by XXXX XXXX with XXXX ( telephone number ( XXXX ) XXXX ) on XX/XX/XXXX claiming that he was with a firm and that I had been listed as a defendant in a complaint by a client of their office. He said he intended to inform me of my legal rights before the case was filed with the district court and to see if I had any questions regarding the contents of the case or would like to submit a statement in my defense. When I called, however, it was an attempt to collect money and I was told if I paid in full or set up recurring payments then we could settle the matter. I asked for validation of the debt in writing and XXXX XXXX said he would get a letter sent out. I continued to receive calls from XXXX XXXX XXXX and each time I informed him that I had not received a validation and that I would rather not discuss the alleged debt until I had confirmed the legitimacy of this claim. As of today, XX/XX/XXXX, I have yet to receive the validation of debt I had repeatedly requested. I spoke with XXXX XXXX XXXX again today in response to a voicemail he left me prior. I was informed that today was the end of my 30 days, though I was not aware that we had a timeframe, and that my wages would be garnished or I would have 30-90 days to pay depending on the judgement. I searched public records and have contacted the county I had previously resided in and the county I reside in now and both counties confirm that no paperwork has been filed for a case.
ECMC is a " for profit '' Holding company that does not disclose, they portray to Credit Bureaus, that in fact their subsidiary XXXX XXXX is a collection agency ( and has never stated that we are working with XXXX XXXX ... their actual and sole collection branch ). Never has an agency ( ECMC ) on the phone or in writing explained that they are a collection agency. The following is the dispute letter I sent to all three major Credit Reporting Agencies ( XX/XX/XXXX ) : XXXX, XXXX, XXXX  ) Dispute 1 Unfair Business Practices : reported as in collections Source of dispute information : ECMC obtained our balance from XXXX XXXX XXXX. and immediately reported this as in collections without our knowledge of this action. We were not told or informed that we needed to pay the full balance or that we even owed ECMC. Failure to make full disclosure is unfair business practices, and bad faith. We began negotiations through an agent ( XXXX XXXX ) and after months of their ( XXXX XXXX ) inaction we agreed to payment and have made current payments. ECMCs agreement to the monies we pay monthly are in direct conflict with the agreed upon payment plan - as they report us as " in collections ''. How can they report us as in collections, when they in fact made the recommendation for the payment plan and have agreed to said plan ... and never once have they said they are a collections agency? 
Type of disputed information : Access to the credit bureaus by ECMC while willfully reporting us as in compliance to our agreement to said payments and portraying to the credit bureaus we are in collections ( never to us ) is bad faith. ECMC is unfairly reporting us when in fact we are making the agreed upon payments and payment plan. 

This practice to not have a systematic program to notify consumers that they are a collections agency is another instance for bad business practices. 

They have been sited in the past by the ED-OIG in XXXX for not having solid ( Final Report XXXX ) process or procedures. Page 6 of that report calls out for ECME to ( Recommendations 1.2 ) " Develop procedures to ensure ... for allowable ... activities. '' This shows and identifies they continue poor business practices and is indicative of a culture whereby the interest to be fair and impartial to/with consumers is concerning and bad faith.
On XX/XX/2018 I did a wire transfer from my bank account in the amount of {$7700.00} to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX NJ XXXX. The wire transfer shows the beneficiary bank being Capital One NA of XXXX XXXX, LA with an ABA/RTN number. This wire transfer was suppose to been for a truck that I thought I was purchasing using XXXX. But have not been able to get in contact with the seller. I have spoken with XXXX which informed me that my offer was denied but was at some point the conversation was intruded and I began speaking with someone else that perpetrated as the seller.
Medical billing failed to submit my doctors bill for XXXX. They filed the bill for the hospital, ( witch was paid by my insurance. And did not claim for the Doctors bill, until after 12 months, which was refused by blue cross, for untimely filling. I call the my insurance, who txt me I was not responsible for this bill, even knowing this they put me in collections. The insurance, XXXX, is sending me a letter, to explain it was the Doctors group, who is at fault but will not admit their mistake.
I called Capital One at XXXX on XX/XX/2018. I asked the customer service operator to not touch my overpaid balance in the platinum XXXX. The operator said she can send me a check for the overpaid balance. I clearly told her not to do so. Upon checking my account, it now says a credit balance refund of XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$270.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} There are no contracts, no valid claims ... accounts were settled with original creditors by insurance carrier and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
XXXX XXXX aka Direct Recovery Services calls my phone back to back to back if I do not answer. I was at work and they called 3 times within 5 minutes. I called the number back and a rude male begin yelling at me and when I told him not to call me back to back he threatened to sue me for a XXXX XXXX XXXX debt. I hung up on him and he calls me right back from another number. I attached the screenshot on the XX/XX/XXXX. This happens daily the back to back calls. So today XX/XX/XXXX they called 3 times between the hours of XXXX-XXXX I finally answer and advised the guy by the name of XXXX XXXX not to call me back to back and I advised him how many times they have called today he brushed off the fact that they are doing this. They constantly call from different numbers. So my XXXX year old daughter who is a XXXX XXXX XXXX and work part time come home from work and advised me that they have been calling her as well. I have printed out the screenshot of the calls for us both. They are harassing me over a debt I don't even owe. This can not be legal.
I have been getting calls about a debt that is not mine. I just checked my credit report and found GC Services on it with an address of XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and a debt of {$140.00} turned over on XXXX/XXXX/15 ... interesting because I filed bankruptcy in XXXX, 2015. I think they are trying to collect for XXXX, but I have not been with XXXX in well over a year and do not owe them anything. The account listed on the credit report is shown as XXXX ... .I have no idea what the last XXXX numbers are. Nothing has ever been mailed to me so I really have no idea what this debt is for ... and I do not answer unknown phone numbers on my phone unless they leave me a voicemail telling me exactly who they are and what they want ... I am on a do not call list! I read on the internet review after review of how this company is a scam and I want them to pull off my credit report totally what they put on XXXX/XXXX/15 or I will send my bankruptcy lawyer their way. I do not owe this lousy {$140.00} no matter where they say it is coming from! Why is this scam company still allowed to do business when they harass people innocent people all the time? Shut them down!
Bill for services provided by XXXX ; toal of XXXX, apid XXXX. Third party lender ( Monterey Financial Services ) financed a remaining balance of XXXX on bill. After 4 payments of XXXX ( total of XXXX ) paid so far, called for payoff amount and was told it was XXXX! Nearly 200 % profit on a 14 month loan.
I went to the emergency room listed on my medical insurance card. I paid my copay. About a year later I got a bill from a collection agency with limited info about what the bill was for. I called and they said it was for an ER visit about a year ago. I paid the bill with my FSA. A few days later i received an email from our payroll company questioning the validity of the charge. I called the collection agency and asked for a description of the charge to provide to my payroll company as I needed to prove it was for medical expenses. They said that I would need to obtain this information from the creditor. I have not been able to get a hold of the creditor and have been put off by everyone else involved. The debt collector said its not their responsibility to provide me with this information. This bill was for a private contractor doctor who never submitted it to my insurance or myself. I never received a bill. The first time I received anything in regards to this was from a collection agency! This seems to be unethical at best. Now my payroll company is threatening to suspend my FSA and my wife is XXXX XXXX XXXX XXXX XXXX in less than a week. I XXXX the company who sent my debt to collections and they have lots of negative reviews from other people experiencing the same problem. They never send a bill, just send people straight to collections! There is something wrong with both of these two parties and they are working together to overcharge consumers. I have spent about 2 hours  every day for a week trying to obtain a receipt from this charge to provide my payroll company proof this was a valid charge. Please help.
I called the debt collector on XX/XX/2016 at XXXX because I wanted verification of said debt and info on the account. I monitor my credit report weekly and all of a sudden last week I noticed a collection entry on my report. I never received any mail or notice of debt collection of said debt. There was never a 1st attempt to serve notice of debt. So I decided to inquire what they thought I owe to them. The agent answered the phone and asked what my name was. I responded and she read me the miranda and said the call was being recorded. I responded and told her I was recording the call as well. She said she did not consent. I said it doesnt matter as I needed more information on the said debt they claimed I owe so the recording is for my personal use and I do not need her consent. She asked me for my mailing address after she said that they have an address of XXXX. I said I do not live there and have not lived there. I will not give her my mailing address because she had yet to provide a debt validation to me. Then she literally went off on me over the phone and cut me off while I was explaining why I did not want to provide that info. The call lasted for 4 minutes. I was shocked that is how a debt collector treats someone who they have not even verified a debt with. I urge anyone if anyone to request the tape of that call and please listen to it. So many violations on that call. I ended up hanging up and stating that I will file with the Attorney General which I did after the call. How else can a consumer get a debt verification if they freely called and get treated like that by a collection agent? I consider that a threatning act to force me to bite into a false unverified debt. I demand validation of said debt. I do not owe any debt to said debt collector. She could careless what I had to say. She abused and intimidated me over the phone.
XXXX reported my account to XXXX. I received the letter and disputed the balance XX/XX/XXXX. I was told by collection agency that they would forward information to XXXX and i should receive itemized bill of charges. Now, I just learned my account has been turned over to another collection agency called Diversified Consultants which was exactly a month later. I never received correspondence of the change in collection agencies. I was still under the assumption that my account was still with XXXX and i was waiting on follow up correspondence from them and XXXX. This new collection agency never sent me a letter that the account was turned over to them, never received any notification. Therefore, they violated my right to dispute the balance. Now, the balance they have is {$2400.00} and the balance with previous agency was {$940.00} which is a big difference.
I 've contacted XXXX and the 3 major credit reporting agencies several times in an attempt to have incorrect information updated. XXXX has added and removed balances only to add them again. Proper notice was n't given when this was done. They were unable to provide me with the necessary documentation proving that I was actually late making a payment when I asked within the legal timeframe. They 're also reporting inaccurate information about my payment history to both of my XXXX accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have the correct contact information and I was not able to be notified about extending my forbearance. An extension was granted, but they still reported late payments during a period when no payment was due XXXX XXXX 2014 and XXXX 2014 ). I respectively ask that the late from XXXX 2014 to XXX 2014 be  removed and set to current. As soon as I contacted XXXX they notified me that my loans were in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting practices.
Received an unsolicited marketing letter from Oceanside Mortgage Company to help me refinance my mortgage. While I am normally am fine with marketing materials, this was a deceptive letter. It came in an unmarked, windowed, envelope, with the words " final notice - Immediate action required '' with a file number. This is an obvious attempt to make it look like it is from a collection agency and a deceptive practice to try and obtain business. 

As a smart consumer, I am well aware that this is a heavy handed marketing ploy. However, some consumers may not be as observant or aware that this is a deceptive letter. I believe this is targeted at these people.