WillisBack/dataset-financial-user-claim huggingface dataset:
Based on the detailed facts below and attached documents, I am concerned that I am a victim of some type of attempted financial fraud by a collection agency or an alleged collection agency. On XXXX XXXX, 2015, I began receiving several alerts at the same time, from my credit monitoring service related to various companies who claim that I owe them a debt. The majority of what I could glean from the credit alert was that the alleged debts were related to medical collections although a few of the alerts did not state any circumstances regarding the debts. In the case of XXXX XXXX XXXX XXXX and XXXX XXXX, they appear to be the same company using the tactic of reporting the same collection to various credit reporting agencies but using different names in an attempt to damage my credit and coerce me to pay for a debt that I do not owe. I have never received bills from the said companies and I have no idea what the nature of the collection may be. 
In the case of ATG CREDIT LLC, the amounts owed are different than proposed by XXXX XXXX XXXX and XXXX but I am concerned that this company is somehow related to or acting on behalf of XXXX and XXXX since their collection attempt is also related to alleged " medical '' debts and it was reported to the credit unions on the same day that XXXX and XXXX placed the negative charge against my credit. In addition, if they are related companies coercing me to pay a debt not owed while holding my credit worthiness status hostage, the act of reporting the same debt to different agencies, changing account numbers, changing their corporation names and addresses is manipulative and is an exaggeration to deliberately coerce me to send money for a debt not owed. 
Please advise me whether or not this practice is illegal in the State of Florida or under Federal Law. I can not believe that we have a judicial system that allows scandalous collection agencies to use bully tactics to siphon money from unwitting citizens and furthermore, are not required to provide me with official notice of the details of the debt owed including the establishment where the debt was incurred, the dates and any proof of their allegations. I have not been provided any services by XXXX XXXX XXXX, XXXX XXXX or ATG CREDIT! 
NOTE : On XXXX/XXXX/2015, I called ATG CREDIT using the number ( XXXX ) XXXX to inquire about the debt at XXXX. I spoke to a woman who escalated the conversation to the level of a bully and did not provide details regarding the nature of the debt, the provider, the date, etc. A few minutes later, I called back to try and get another service representative and I did. I explained why I was calling and he politely told me to hold. The same bully got back on the line with a harassing tone and hung up when I asked her permission to record our conversation. She said she was recording me so I only thought it was fair to represent myself for future issues. To date, I have yet to receive the requested formal correspondence regarding the details of what the company claims I owe to them. The collection is still on my file. How is all of this legal???
We have tried to get this company to do the correct thing in removal of in correct items off our Credit Reports ; to only encounter prolonged wait times and each time taking an additional 30 days when the item was not investigated properly for removal. Supportive Information being sent over and over to not get the results due the consumer. Often this keeps score lower than they should be and incorrect denials of Credit due to inaccurate items on your Credit Report. You should not have to wait an additional 30 days once the initial complaint is filed this should get this investigated for automatic removal an a re-score sent to the company that rejected the consumer with a explanation as to what happened with your Credit Report.
Around XXXX or XX/XX/2018 i seen a ad about companies that can help you boost your credit score if  you pay them a monthly fee. For instance XXXX XXXX ( online book company } will give you a XXXX line of credit that will report to the credit bureau for XXXX a month. you are paying them just to report to the credit bureau to increase your tradelines which is a rip off they offer online books that you have to download. noone purchases the books its just a rip off to get your money monthly. they report on yur credit report under XXXX. they have a sister company XXXX XXXX that sells merchandise like XXXX, they gave me a XXXX line of credit i have never use these accounts. i have since establshed my own credit and i have advised them i no longer want to use their services. which is really a bias company that reports to the credit bureaus as if they are giving you a line of credit but they arent giving you anything just reportng to the credit bureau and want you to pay them monthly to report to all 3 credit bureaus. i stopped paying them and they have since deemed my credit report. i am asking that all 3 credit bureaus to remove both XXXX accounts from my credit file. Because they are illegal. i will not continue to use them afer i advised them several times i will not continue to pay them XXXX a month for nothing, just to report to my credit bureaus that i have a account with them something that ii can not use and never use,. basically people are paying XXXX just to report to their credit monthly as a fake trade line. I asked them to cancel my service and when i did. and didnt pay thry reportred me as a missed payment. there is nothing to miss. i have never purchase anything from XXXX XXXX please read the attached documents. they are a company that reports fake tradelines and consumers pay them a monthly fee for nothing. Please remove from my credit file al 3 bureaus.
My bankruptcy has failed to provide procedure for verification. They are non compliant and has failed to perform a real investigation I contacted United States Bankruptcy Court and they stated they do not release sensitive information about the consumer bankruptcy to the credit bureaus. I am trying to understand why this inaccurate information is still reporting on my credit report .... Failure to provide the procedure.
Company has mailed, called both cells and work phones, and emailed several times from different numbers leaving messages. This company has called early in the morning as well, each time their calls are blocked they use a new number.
I closed my checking account on XX/XX/XXXX. All on bank video cameras I have receipts for XXXX out my account for closure. 
Associated never closed the account and continued to do business on my account until XX/XX/XXXX without my knowledge. Anything that that would accidently be submitted to that account should have been kicked back and said " account closed ''. 
I have video of XXXX and Bank manager ( who did n't want to be recorded ) recorded. XXXX said " she closed my account properly. So, I get a phone call from some lady who was never involved. Who told me, Associated cant get my money back, but she will close the account immediately. Why did n't they close my account immediately on XX/XX/XXXX All I was able to recover was {$80.00} of my accidental direct deposit of {$540.00} ( which should have been kicked back account closed ) XXXX = {$460.00} I should be returned.
My wife and I have  XXXX  mortgages on rental townhouses both initiated at the same time ( on or about  X/X/2016    ) with  XXXX   XXXX   XXXX   XXXX   (    XXXX   XXXX   XXXX   XXXX  , NC  XXXX  ). During signing, it was disclosed that the loan servicer would be Dovenmuehle Mortgage (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Illinois  XXXX  ). We have paid on time and are current on both mortgages. I am have never filed bankruptcy and we always pay on time for all our debts.     However, it recently came to my attention that while we were receiving electronic statements on one of the mortgages, we were not on the other. Believing this was an error, I contacted the company by phone today and spoke with a customer service agent as well as a supervisor, both of whom stated they are unable to and would not provide monthly statements on the mortgage. The reasoning they gave was because the loan was " set up to be paid with a coupon. '' Even though both loans were setup the same way and that a coupon book payment has no bearing on their responsibility to provide a statement, they insisted it would not happen. They even went so far as to say that statements I had received on the other mortgage were in error and would stop after they fixed the problem!     This is in violation  12 CFR Part 1026 ( Regulation Z ) which requires that a mortgage company provide timely statements.
This account belong to my ex-wife .I do have divorce show i am not responsible for this account. I try to work with credit company did n't remove from my credit file.
The original creditor is XXXX XXXX XXXX XXXX and I owe them {$0.00} dollars and XXXX ( XXXX XXXX XXXX XXXX ) knows that I owe {$0.00} but this reported to Equifax a {$700.00} balance. I can not believe Equifax would let this bogus company report this as a collection account when I owes XXXX XXXX XXXX XXXX {$0.00}. I want Equifax to remove this account from my credit file immediately. The account number is XXXX with XXXX XXXX  XXXX XXXX.
I received my settlement check from Ally Auto Finance Settlement Department dated XX/XX/2016 and made a forward of address in XX/XX/2016. Not knowing why it was n't forwarded. I called XX/XX/2016 to request a replacement being that check XXXX expired XX/XX/2016. I have been separated from my husband since XX/XX/2016 and have not been at the address on the check since. When I called, there were n't even able to suggest how to go about receiving the funds that are due to me. Please advise
In XXXX this year, ( XX/XX/XXXX), I received from XXXX XXXX XXXX a XXXX, cancellation of debt form, for {$XXXX}, which I filed with this year 's tax return and it was reported as income. XXXX XXXX  XXXX is still reporting to the credit bureaus that I have a balance of {$XXXX}, which is hurting my credit score and my ability to get credit cards or personal loans. I have filed disputes with XXXX, TransUnion, and XXXX, and have either uploaded the form XXXX, if possible, or sent a copy by US postal service to the addresses of the credit bureaus. With XXXX, I was able to upload the XXXX and as soon as they received it, I received an email from them, ( XX/XX/XXXX ), that they updated my credit report and made changes. Now they show the XXXX XXXX XXXX credit card account as having a {$0.00} balance and as being paid. My problem is with XXXX, TransUnion, and XXXX XXXX XXXX. XXXX and TransUnion wo n't budge, even with my supporting document ( XXXX ). XXXX told me over the phone the other day they received my dispute on XX/XX/XXXX and will send me the results of their investigation within 30 days. I feel it is unfair, and or illegal, that having to had report {$XXXX} to the IRS as income, they are still reporting it as the balance I owe them.
The bank will not allow me to withdraw any money in my account. They say it is there policy to not allow any withdrawals for sixty days from the day an account is opened. However, this restriction is nowhere to be found in the account 's terms and conditions ( legal agreement ). The bank is therefore violating Regulation CC.
I was presented a Letter of Ineligibility from Flagstar Bank on XXXX/XXXX/XXXX for an appraisal completed on a residential property on XXXX/XXXX/XXXX. I was never given an opportunity to rebut the findings of their conclusions and now I 've been blacklisted from doing appraisals for Flagstar Bank. Keep in mind, I have completed XXXX appraisal assignments prior to XXXX/XXXX/XXXX and XXXX assignments post XXXX/XXXX/XXXX for Flagstar Bank which equates to a better than 99 % success rate. I submitted an XXXX page rebuttal to XXXX ( the XXXX XXXX XXXX ) when I was made aware of a Field Review completed on the property in question. Flagstar may or may not be in possession of the rebuttal. I mailed an entire package ( including the rebuttal ) via Certified Mail on XXXX/XXXX/XXXX and the parcel remains at the Post Office to this day. The package was never picked up. This blacklisting has caused extreme losses of revenue. A number of my clients will not engage me on appraisal orders ( even with other banks ) due to the blacklisting which has been unjustly been placed on my license. I 'm filing this complaint as I feel I 've been wrongly persecuted and it has had a domino effect on my business. I 'm requesting the services of CFPB so that a just and fair resolution to this matter can be achieved.
Midland Funding LLC, XXXX XXXX XXXX and XXXX / XXXX, XXXX, XXXX XXXX 

I defaulted on a credit card and they were sending me notices of collection to an address that I have not lived at since XXXX, therefore I was not receiving the notices. XXXX XXXX, XXXX I was served by a XXXX XXXX with a Small Claims Court notice which also had an incorrect address that was hand crossed out and my correct address hand written in. I called and made a settlement agreement and payment arrangements with XXXX XXXX of XXXX and paid {$420.00} towards my {$900.00} agreement. I also made sure that he had my correct address to send all future information. On XXXX/XXXX/XXXX I reached out to XXXX XXXX, Chief Compliance Attorney for XXXX to change my dates of payment. I have an email from him stating that if I pay the remaining amount by XXXX/XXXX/XXXX that no further legal action will be taken. On XXXX/XXXX/XXXX I received a forwarded letter with a State of CT Small Claims notice and court date. The amount listed for claim is inaccurate and my previous payments were not taken into account. Once again it was sent to an address I have not lived at since XXXX. I attempted to contact Attorney XXXX to discuss the court filing. He has not returned my email.
This afternoon I received a call from XXXX XXXX from Chaplain Financial Services. XXXX. When I asked for the company address she said it is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. She said she had XXXX lender accounts that I owed money on XXXX XXXX {$510.00} loan taken out on XX/XX/2011 and XXXX XXXX {$430.00} loan taken out on XX/XX/2011. She could settle both accounts if I sent an online payment of {$570.00} today. I told her I never took out a loan from those companies. She asked if I heard of XXXX, which I have not nor have I ever taken out a loan from them. I told her I knew this was a scam and would be reporting her to the FTC. She said " do what you got ta do '' and promptly hung up the phone on me.
I completed a debt consolidation loan and had a check sent to Citibank. The funds were credited to the incorrect account. I contacted the company and requested the funds be found and applied to the correct account. Was told that I need to send in the information showing they were cashed. Told them I can email right now. Was told they do n't accept emails. Asked for a supervisor who stated the same thing. I asked how I could get them the information to prove they messed up and was told I needed to fax or mail the information. I said that was unacceptable, and asked where I could file an executive complaint and was told that i would have to mail that as well. Asked if I file a complaint with the CFPB if that would get their attention and the SUPERVISOR stated he did n't know who the CFPB was.
Mortgage company agrees it violated a court order regarding the removal of a " phantom corporate advance account '' and sent the following correspondence. Mtg company has now refused me access to my account ( will not give me any information ) and has failed to remove the erroneous corporate advance from the account. The requisite time has passed and they still have not fixed the account even though they admitted wrongdoing. Please compel them to make this fix. AS OF XXXX XXXX, XXXX THIS MATTER IS STILL NOT RESOLVED!!! 
Here is their correspondence : Ditech said : Explanation of closure Ditech Financial LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MN XXXX T XXXX F XXXX ditech.com XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Re : Consumer Financial Protection Bureau ( " CFPB '' ) Case No : XXXX Ditech Financial LLC f/k/a Green Tree Servicing LLC Account No : XXXX Dear XXXX XXXX : We are in receipt of your complaint filed with the CFPB regarding the servicing of your loan by Ditech Financial LLC ( " Ditech '' ). Ditech takes your complaint seriously and appreciates this opportunity to respond. 

Ditech 's records reflect that prior to XXXX XXXX your account was not escrowed. Your loan was approved for a Streamline Modification which required that an escrow account be placed on the account. Please see the enclosed Modification Approval Letter dated XXXX XXXX, XXXX. This modification was cancelled almost immediately pursuant to your request to have it cancelled. Please see the enclosed Modification Denial Letter dated XXXX XXXX, XXXX. At this point, Ditech should have cancelled the escrow as well. Due to an inadvertent error, the insurance escrow was not removed from the account until XXXX XXXX. Prior to the cancellation of the forced escrow, Ditech disbursed for taxes and insurance in XXXX and XXXX. 

This matter was addressed in a Motion to Compel filed in your XXXX XXXX bankruptcy on XXXX XXXX, XXXX. Please see the enclosed response to the Motion to Compel, filed by Ditech on XXXX XXXX, XXXX, and the Stipulated Order filed by the court on XXXX XXXX, XXXX. In paragraph XXXX of Ditech 's response, it explains that the escrow amounts had been credited to your account. According to the Stipulated Order, the matter had been resolved. 

Upon further investigation, Ditech has found that while Ditech credited the escrow account, the credit was insufficient to satisfy the full escrow deficiency leaving a balance of {$1800.00}. Ditech has waived the remaining deficiency and sincerely apologizes for any inconvenience that this situation may have created. 
Please allow one to two weeks for this transaction to be completed and your account credited. 
Please contact Ditech at XXXX with additional questions or concerns. 
Sincerely, XXXX XXXX XXXX XXXX cc : CFPB via portal
Been a victim of deceptive advertising practices. 5/3 Bank stated a O % apr for the first 15 months including balance transfers. Was stated over the phone that balance transfers would take place within 5-7 business days. It has gone past the days stated by verbal communication via telephone. 

It has gone well past the 7 days, and when I called in to verify, the operator stated it takes 4-6 weeks. Both conflicting stories. Many operators carrying heavy accents from foreign countries unable to properly communicate legal financial information should not be allowed dealing with vital personal information. Misinformation or improper annunciations of words can be detrimental to many contracts.
Amsher Collection agency  is erroneously reporting an account fro  XXXX  that is the result of identity theft. I have repeatedly requested verification, validation and then submitted a copy of my FTC identity theft report and Amsher has not responded or removed this fraudulent account from my credit report.
I have a fraud alert placed on my credit files, that indicated anyone who runs my credit report needs to call me and that was n't done and that violated my rights as a consumer. I have reached out to the credit bureau on more than one occasion to advice of the credit being pulled without my permission.
My oldest Credit Card had an annual fee of {$35.00}. I called Capital One and asked if they can change my credit card to a " no annual fee '' one without closing my old account. They said " yes '', and told me that they can make this happen by doing a " change of product ''. They explained to me that not only I get to keep my old account, I get to keep my old Credit Card number as well. After a month, I checked my credit score ( report ) and they reported it as a closed account. Not only it lowered my average credit age, it also lowered my overall credit score. This practice is misleading and unacceptable.
For years XXXX XXXX was charging me a 9 % interest rate on my largest loan, and always told me there were no options for lowering this interest rate. Thankfully XX/XX/2015, my parents were able to pay off that loan by refinancing their home and taking out an additional {$36000.00}. 
I work a seasonal job and earned very little XX/XX/XXXX or XX/XX/XXXX, just barely enough to cover my rent, car and food. Navient, who now services my loans, is telling me there are no options for postponing or reducing my payments, so after years of paying on time and working hard to make payments worth hundreds of dollars every month to this company, they have no options for me except to just become late on my payments, be charged late fees, and have damaging information added to my credit report even though I have taken the time to contact them for help. 
It absolutely brings me to tears to think that all of my hard work to try to improve my life has just ended me as an indentured servant. I would n't be able to qualify to buy a home, or be able to afford having a child, let alone dream of saving for retirement. 
It seems like after having this monkey on my back and already struggling for 12 years, there should be some other option for me than bad credit reports.
On XXXX XXXX, XXXX I paid my Mortgage to US Bank, XXXX and {$200.00} toward principle reduction. The receipt show the date paid as XXXX XXXX which makes the payment late and a late fee of {$50.00} is due. I ask the teller that accepted the payment, XXXX, I do not beleive that XXXX is her actual name I had to ask her 3 times for her name, claimed that US Bank policy forbid her from writing the actual date the payment was received on the receipt or giving her name or Employee # to identify her. She said quote " I do not want to be liable for receiveing the Mortgage Payment ''.
Around XXXX EST I received a copy of my background check copy as requested. 

There were several discrepancies so I called the company. 

1. They didn't verify my employment as confirmed when speaking to them via phone however they listed that I provided false information on the report and did not state that they did not verify with my previous employer. The dispute here was in regards to when I worked for an employer. I had someone from their agency prior only ask for verification of a XXXX for the year 2017, not for what the final background report said. I also had supplied them with the employers number. They stated they did not call them. I asked them to correct the statement made to reflect they did not verify my employment with the employer and it was jot because I provided inaccurate information. 

2. I noticed there was a name listed as an alias associated with me. Not a variation of my name but a completely different person. I asked for this to be removed and disputed for accuracy and was denied the request and told I would have to pay them to have it removed. 

3. The job title for on3 company was listed as employer verified and that I misrepresented my job title. I asked how they verified and they provided the name of an individual that does not work for my employer let alone in their hr. Which means they are verifying infirmation without verifying they are speaking to the employer.
i had service with XXXX. I use to pay my bill at store. until somebody used my personal information and payed online with checks from other victims while i was giving cash to this person because i was busy working. Also, XXXX fraud specialist team did not solved a fraudulent transaction from a moving truck company in other state way far from my origin state ( CA ). they gave me a new card and put my balance back to how it was before the fraudulent activity and a month after the same truck moving company took the same amount as the first transaction.