WillisBack/dataset-financial-user-claim huggingface dataset:
This is my second complaint submitted against FCO - Fair Collections & Outsourcing. They were trying to collect a debt from me that I do not owe, know nothing about, and that is not mine. The debt is for {$3200.00} and it's from a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I know nothing about the debt or the company. The first complain that I submitted had a response from FCO informing me that they contacted me wrongly and that I'm not the person they're looking for and that we had similar names. They also apologized and said that they would delete all of my information from their system and never submit a negative report on me to any credit bureau due to the debt not even being mine. 

I checked my credit reports today and found out that they did indeed submit a negative derogatory report on me even though they had informed both me and the FTC that they won't do anything due to the debt not even belonging to me. 

Please help me because this company is clearly operating illegally. They failed to verify the debt by not showing me any legal paper work that has my personal information and they even told me over the phone that they don't have any of my personal information on any of the legal documents they posses on their end. They don't have my birthday, signature, address, or any other information on any of the legal documents they have yet they still attack me.
I would like your assistance in obtain feedback from this company as to why they are reporting a charged off and out of date account that has been on my credit files since XXXX? I do not own a account with this company and I wrote to both the company and the credit bureaus in XXXX advising that this account be removed or that I be provided with validation as to the date this account was opened and defaulted upon and provide me with all documentation used to validate balance owed. I have requested this company and the credit bureaus ( XXXX ; XXXX and XXXX ) close out this inaccurate out of date account and update my files accordingly.
I ca n't get my report it asks questions that I do n't know the answer to? I should know where I 've had a loan! right? I already had someone get electric in my name.I had to do police report and all kinds of headaches. I went without power for 3weeks from this deal and even had to deal with social services trying to charge me for neglect of my children. I ca n't get a cell phone, a used car, a credit card, not a thing please help me I do n't know what to do.I ca n't even get my report to dispute. I 'm XXXX old have XXXX and I 've worked my XXXX off for everything I have.What should I do?
Ocwen has not responded to us regarding a payment that they incorrectly input into their system. They have not confirmed that they corrected the XXXX payment and made the adjustment to {$2400.00}. I got an email saying that you and ocwen had closed my complaint because it was a duplicate. BUT it is not a duplicate complaint. They incorrectly processed my payment and have not fixed it. Also, they said that they would send me an email with confirmation that they incorrectly made a mistake so I can provide it to our bank but they did not do that either.
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thank you
I have received phone calls on a frequent basis for the past several weeks from my local area code, each time a different call. I have answered at least 2 of them and both times they said they were from Professional Finance Company Inc ( PFC ) in XXXX, Colorado, calling about a debt that I owed. The area code on the numbers they were calling from is not their area code, but an area code I used to live in, which leads me to believe they are phone number spoofing. I asked the second lady I spoke with why they did that and I got a generic ( I'm paraphrasing here ) " we make a lot of calls to different areas, and people are more likely to pick up if they see a local area code listed '' response. 

The debt I owed is apparently a year and a half old water bill to a city that I no longer live in. Today I paid that bill to the city after getting in touch with them, as I did not feel comfortable giving all of my information to a caller whose identity I could not verify ( I did not know when I spoke with PFC that I could request their license number ). I am firstly disappointed in the city for not reaching out to me despite them having my contact information ( but that's another issue ). Secondly, I am concerned that PFC won't stop, given the numerous complaints I have read about them online. I am also concerned for myself and others about them spoofing phone numbers. 

I am not strongly literate when it comes to various laws, but it doesn't look like they are violating the FCC 's Truth Under Caller ID Act or the FTC 's Fair Debt Collection Practices Act directly ... however, in in my opinion, this sort of tactic is problematic and should be unlawful. Like I said above, I could not verify the caller 's information by phone number because any scammer could spoof phone numbers, XXXX any collection agency 's information and provide it if they are asked, and scam individuals that are uneducated on their rights and laws pertaining to this situation. If phone spoofing by collection agencies was illegal, the average consumer would not have as much to fear. 

https : //www.fcc.govXXXX https : //www.ftc.govXXXX
Hi I am a victim of identity theft and fraud it shows that I am a policy holder for car insurance from XXXX for two vehicles which one was financed through XXXX and XXXX XXXX and this same vehicle was bought at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX,Ma it is a XXXX XXXX XXXX XXXX XXXX which I DON'T own the other vehicle is a XXXX XXXX XXXX XXXX XXXX  plate number XXXX I tried to call XXXX XXXX last week as well as XXXX and the car dealership as well as the XXXX XXXX XXXX where there cars are registered and have gotten no where and which these cars and the loans show up on my credit report as well as my information shows up on progressive as myself for the policy holder as well as student loans and mortgages show up on my credit report
This complaint is being filed against Stellar Recovery in regards to the above reference account that Stellar Recovery Inc. Has illegally reported and listed on all XXXX major credit reporting agencies ( XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Stellar Recovery Inc. for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
On XX/XX/XXXX, the state of michigan 's step forward program which was created by the hardest hit fund sent over {$15000.00} dollars to Amerihome Mortgage company to bring my account current to avoid foreclosure proceedings. Amerihome acknowledged those funds on XXXX XXXX, 2017. I just spoke to a representative today on XXXX XXXX, 2017 acknowledging that I am current. However a different representative today has told me that I am still in a state of foreclosure and the sheriff 's sale is still listed for XXXX XXXX, 2017. They also will not let me make a payment for XXXX XXXX, 2017 when the payment is due until the past due amount of {$15000.00} dollars is paid. I am consistently getting inconsistent information and the phone calls are becoming harassing stating that I still owe money even though they have already accepted funds to bring me current by the State of Michigan 's program.
Hi, One of my bill suppose to be waived because I have Charity funds for my medical expense during that period. I tried to provide information to my credit collection agent Equidata. but they said i have to ask the original creditor mail them information. Unfortunately, i called all entire XXXX XXXX or XXXX department, I could not find my original creditor. No one has any knowledge about that bill and they said my account balance is XXXX. 
I attached document below. Hope you can help me out.
Recently went into purchase a vehicle for my business. I was XXXX with my original credit chec. Then XXXX XXXX XXXX  reported an incorrect credit score. 200 points less than the three other credit bureaus. The intentionally report lower scores to increases clicks on a website and increase Ingres rate from finance companies.
On XX/XX/2018, a mobile deposit was made into my checking account in the amount of {$1000.00}. This item did not post to the account until XX/XX/2018. 

On XX/XX/2018 my husband contacted USAA regarding our checking account. USAA claims the cutoff time for mobile deposits is XXXX Central and the deposit was not made until XXXX Central time, however I do not believe it was made that late. In addition, we make deposits via mobile deposit often later than the supposed cutoff time and have never had a delay in posting previously. It seems USAA has recently changed this practice and did not notify all of their clients of this new practice. Regardless of the cutoff time, we have never had this issue before. This new practice caused a downstream issue with our accounts at other banks. Deposited items were returned at other banks because we thought this deposit had been posted. The customer service representative refused to allow my husband to communicate with a supervisor until I said we would be filing a complaint with this office and others. The supervisor was not helpful either. I would think that a company that claims to support our veterans would be slightly more helpful and definitely more transparent with their common practices they call " cutoff '' times. 

When a mobile deposit has been completed, a notice displays that the funds are available " immediately. '' There is not a " cutoff '' mentioned in this notice nor is there a disclosure advising these funds are not posted. 

I would like some assistance with this issue and believe USAA does not have an client focused approach that is conducive to the best interest of their clients.
I have an auto loan with XXXX XXXX XXXX. It was opened in 2014. I have made timely payments for the past 9 months, and they are not accurately reporting the on time payments to the credit bureaus, however, if I make a payment late, they are prompt in reporting the late payment. I have contacted the creditor directly, however, all they are able to tell me is " I have emailed the credit reporting department. '' And this is still to no resolve.
I sent request for information, about XXXX, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX
ex-wife took daughter to hospital without my knowledge, I pay for medical coverage for my daughter.Ex-wife signed financial paperwork at hospital and never paid uncovered costs. collection agency immediately reported to my credit report of failure to pay for uncovered costs. I never entere into any contractual agreement with hospital to pay uncovered cost and I never received any bill from hospital or ex-wife and never received any verbal or written notification from collection agency. I contacted the credit agency and made a complaint and they came back and said that collection agency had documentation proving that I was a responsible party. The collection agency has never provided me with documentation of what was owed or who it was owed to and for how much.
XXXX XXXX XXXX XXXX XXXX attempted to collect a fraudulent debt ( including several other collection agencies ) reported by XXXX XXXXXXXX XXXX to the major creditor reporting agencies in the amount of {$660.00}. 

Under the Fair Debt Collection Practices Act., the collection of said debt on XX/XX/XXXX has been disputed and validation of the debt was requested. 

Although the debt was removed from my credit file after the seven year derogatory reporting period in XX/XX/XXXX ( adversely affecting my credit file ), the fraudulent account remained in collections for an extended two year period. 

The original creditor has refused to negotiate a settlement and all collections agencies involved have yet to verify the debt of record.
XX/XX/2017 I didn't given out my information to these companies. Someone stolen my information. I am a victim of fraud. Now i have inquires on my account.
The company is National Enterprise Systems not ( XXXX ) but they may be affiliated together. This is for a private loan payment. The reason they are calling me is to find out when I 'm going to make the next payment and that 's fine but I do n't need them calling me 6 to 8 times a day. Meaning, when they call me they will leave a message sometimes then wait a few minutes and call right back. Like back to back. This is excessive and I do n't need them calling me that many times a day because they need a answer. Please make them stop calling me 6 to 8 times a day.
Hello, I filed a claim against the XXXX for the amount of XXXX with BoA. BoA researched the claim and decided to reverse the XXXX because XXXX claimed they had paid me back my XXXX when they refunded the XXXX. That is indeed untrue because the XXXX was for the initial join fee because the month I joined it was only {$1.00} to join plus the fee which totaled to be XXXX. They then gave you the option to cancel before the 30day period for a full refund and to not be charged for the following month. I cancelled with a XXXX and then my initial join fee of XXXX was refunded. The problem came in when I was still charged the XXXX. I then emailed the XXXX and they were suppose to refund my money.
XX/XX/2016 I closed XXXX of my Wells Fargo accounts. XXXX closed without issue and I had a pending charge on XXXX so I had to wait for it to clear before I could close it. The charge went through and I called back and closed the account. I assumed that was the end of it. Several months later I received a collections notice for {$210.00} from Wells Fargo for the account. I called Wells Fargo and they told me to file a claim and they would look into getting it reversed. 3 weeks later I received an email saying that I should consider the matter closed. I figured that was the end of it then I received yet another collection notice from Wells Fargo for {$210.00}. There was a charge from XXXX that was auto pay and I had forgotten about it. Once I got the collection notice I cancelled my membership to XXXX and I was told over and over by the people at Wells Fargo Customer Service that they would just reverse the fees and call it even. I assumed that was what they were going to do but they are coming after me to {$210.00} worth of fees for an account I was under the impression was closed XX/XX/2016. I am being told by WF Customer Service now that they ca n't do anything and that I will just have to pay it.
OnXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I made purchases using my Nordstrom Rewards XXXX card for a no interest, no payment promotion until XX/XX/XXXX. I have made 2 payments over my minimum monthly payment on XX/XX/XXXX in the amount of {$92.00} and on XX/XX/XXXX in the amount of {$180.00} to pay down my promotional balance before the expiration date. I have made a total of {$150.00} towards the promotional balance of {$210.00}. I called XXXX XXXX XXXX in XXXX to ask them to apply my additional payment of {$36.00} to my promotional balance and I was told that would happen. It never happened. When I called today on XX/XX/XXXX to ask them why my additional payment from XX/XX/XXXX and XX/XX/XXXX wasn't applied towards my promotional balance, I was told I'd have to pay off my entire card balance to not be charges interest on the promotional balance. This is absurd. What is the purpose of taking advantage of a promotional purchase if I'm going to be charged interest in the long run? This stupid practice was not communicated when the promotional offer was advertised. I wouldn't have made the purchases if it were.
Last month i filed a complaint due to Santander consumer USA debited my account for two full payments. they would not rectify in a timely manner even after i sent proof of multiple faxes, and asked for another option to send info as they were not recieving it. This month on this date, XX/XX/2018, i reached out to customer service again due to the fact they removed my ability to pay with a checking account. When speaking with customer service i was told they removed this ability due to the returned payment ( duplicate payment ) and that my ability to pay with a checking account would be suspended for 6months. This was never communicated to me in any of my dealings with customer service. I also did not miss any payments, have never missed a payment, and my last month payment was still paid, i only had the DUPLICATE payment refunded. This seems to be their company retaliateing for me filing my initial complaint regarding duplicate payment.
XXXX has updated the records as PAID IN FULL no charge off or any collection. NO settlement at all. i cant understand why they are not changing the records on the report.
In XX/XX/XXXX, Portfolio signed for a returned receipt letter ( please see attached ) on XX/XX/XXXX. Per FCRA REQUIREMENTS they are to mark my credit report as being disputed ( Section 623 ( a ) ( 3 ). Portfolio did not do this, ( please see attached ) They have broken the law and per regulations they are REQUIRED to remove and stop all collecting attempts. CFPB is there to protect and serve consumers rights as you can see they did brake this law!
I have had a problem with equifax since  XXXX  of  2017 .   XXXX   XXXX   has submitted multiple requests to have some hard inquiries removed off of my report. I have previously submitted letters to cfpb that show where the   XXXX   XXXX   submitted the request. They submitted the request again on  XXXX   XXXX ,  2017  and spoke with equifax business at  XXXX  option  XXXX . They were given case number  XXXX  as proof that the inquiry 's were removed but they 're still on my personal credit report. Equifax is a horrible company who gives consumers the run around. I was told to send a copy of the letter from   XXXX   XXXX   and they would remove the inquiry in which they have not done.
on XX/XX/2014 you went online applied for loan with XXXX XXXX was approved for the loan amount of {$5000.00} XXXX XXXX dollars, was not payments would be taken each time was paid this created a big problem because it made it difficult other bills scheduled for the month.Tried to resolve this initial problem by requesting that payments to be taken only once monthly this never got resolved.XXXX XXXX never changed there position based upon my call for change in the payment structure.we restricted payment on the account by sending moneys via certified certified however moneys were never applied for some reason.funds never transferred out of my account showing payment made, again problem never resolved.When i decided to put a halt to this whole matter by by going to a family member to borrow the money to just pay this loan back minus the payments made totaling {$3500.00} already paid i was told that none of this money paid was applied to principal and my total amount due was over 10,000 I was floored and felt trapped
My credit report is showing a public record XXXX. However, I am unaware of this record dated for XX/XX/2014 and Equifax is not reporting the source of their information on this judgment. All of which is a violation of the FCRA.
Within the past couple of years I have had so many issues with the student loan service XXXX. It all began in XX/XX/XXXX. My family had already warned me that I needed to make sure that I filed for a deferment, forbearance, or set up a payment plan because the damage that student loans could do to your credit would be a life changing experience. I began begin contacted via mail in XX/XX/XXXX about my loan payments and I quickly went off the information needed for a deferment/forbearance and mailed it back to XXXX. I never received confirmation that I was approved or denied. The letters stopped and I did n't worry. In XX/XX/XXXXI received a letter informing me that XXXX was reporting me to the credit reporting bureaus because I had passed the 90-day late payment mark. I immediate had them to send the form and again and filed it out and faxed it while on the phone and asked why I had n't received any letters regarding the end of the deferment/forbearance. At the time I was informed by the phone representative that she did not have access to that information but with the forbearance the late-payments would be removed within a year. Since XX/XX/XXXX, I have been told that no such " forgiveness '' exists and I have been told that I was contacted in XX/XX/XXXX via email address that was provided by my school in XXXX. I asked why would they use an old email instead of contacting me via mail when that had always been my preferred form of communication. I was then told by a supervisor in the dispute department that as my loan service provider they had the authority to communicate with me whatever method that they choose. If I never needed to borrow money for school, I would not be in this situation. I was told that there are no options, I can have automatic payments for years and nothing would ever change on my credit and that it is my responsibility to contact them regularly to check on the status of my loans. He then went on to suggest that I just suck it up and deal with the damage toy credit.
I have been trying to get a collection account removed from my report. I have filed 2 different disputes with Equifax for the same account and they do an " investigation '' which takes maybe a week or 2, and both times they come back saying that the account/balance is valid. I have sent them copies of the cashed check from my bank that the collector cashed and stamped with their name and address, and Equifax REFUSES to update my credit report to reflect that information ACCURATELY. They are still showing that I owe them money when I don't and they have seen the checks that prove it!