WillisBack/dataset-financial-user-claim huggingface dataset:
COLLECTOR SERVED FRIEND NOT ME IN VIOLATION OF FDCPA, WENT ONTO MY CREDIT AS AN INVALIDATED DEBT LISTING IN VIOLATION OF FCRA, MADE XXXX CALLS TO FAMILY MEMBERS IN VIOLATION OF TCPA! ( HAVE VOICE AND RECORDS.
Creditor is calling my place of employment several times a week sometimes several times in one day and I have asked them to not contact me at work.
I was never given due process i was never served the opportunity to pay this in court .i was notified there was even a court i received the garnishment order in the same week they are garnishing my check ... i am in process of trying buy a home and currently dnt have a place of my own. I wasnt informed of this debt from 2007 and believe it to been paid in full in 5yrs ago! I heard nothing from jcp or debt collectors referencing this debt ever sense then suddenly 5 yrs later without a warning my check i get in 5 days will be garnished over 300! I would have been grateful if given the opportunity to even claim ownership of it or given the option to pay it or informed of a court date ... i would have glady showed up and fixed this in court but jcp skipped due process and went straight for my wages after 5 yrs of being silent like a paid in full debtor normally would so how am i to know u want money from me? ... my wages were attached b4 i knew of this debt.i was neglected my rights and due process and wasnt given no knowledge i was being sued or opportunity to be in court or pay myself ... soon as i received the garnished notice i immediately made calls tryn to resolve the confusion of the debt in question even pay to prevent further actions and i live in indiana and law office of XXXX XXXX XXXX XXXX il collecting payments for the plantiff jcp even though due process was refused me refused to be able to assist me said i had to call jcp directly and jcp said i had to call meyer & njus directly. my check is already being garnished over 300 per check despite my attempts the letter of garnishing and my attached pacheck are within the same 6 days which left me no time to resolve or address the matter..i would have paid this debt in court rather i believe its mine not if i knew it existed and was given that option ... its not ok to attach anyone wages that u feel owes u without first giving them the opportunity to show up in court or pay it their self
Account PAID/CLOSED still shows in Collections. My wife & I have exact profiles from joint accounts. We paid off credit card, increased available credit, decreased debt, and cleaned up disputed accounts. Her FICO Score INCREASED while my FICO Score DECREASED. Experian states there is nothing they can do to reticify the error which is negatively impacting me. The other two credit bureaus appropriately increased my score.
Equifax is reporting a collection account from XXXX ( original creditor XXXX ) in the amount of {$84.00} ; I have never had any kind of XXXX from XXXX and, to my knowledge, do not owe this debt ; I disputed the account with all XXXX credit reporting agencies and the account was removed by XXXX and XXXX, but continues to be reported by Equifax.
ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
On XXXX XXXX, 2017, {$300.00} were withdrawn from my business account with Bank of America. I did not withdraw that money. When I logged in to my account I noticed that amount was withdrawn from a XXXX ATM, I called it in. I was asked questions, some of those questions included if I had lend my card to someone or if it was lost, but no I had it with me at all times. They said they would investigate, time passed and they said the investigation concluded that it was me or someone that I knew had withdrawn. I insist that is not the case, something is going on, and they are not cooperating with me. I please would like further investigation on this situation, because I want my XXXX dollars back and plus the XXXX fee I was charged for uncifficient funds on my account because of this withdrawn. Thank you Date of withdrawn : XXXX XXXX, 2017
I previously filed an FCC complaint on XXXX for erroneous billing and failure to credit my account properly. After the depute my bill was credited and it resulted in a XXXX balance.Afterwards I ported to a new company and returned 2 years later. The bill wasnt mentioned and there were no adverse effects when I ported back to XXXX. Almost a year in and collections agency has listed the item on my credit report. XXXX advises the issue was resolved and they aren't showing compensation due on the amount. However, Experian is the only credit reporting agency that refuses to remove it even after several disputes have been entered. In fact they have blocked me from further filing in the matter!
Cooper, Hoffman, Klein and Associates contacts me multiple times a day leaving threatening voicemails regarding debts and bank accounts I have never had and do not owe on. Every call that is made, a different case number is given. When I contacted the company, I was threatened with legal action and prison if I did not pay although the representative threatening me can not supply any evidence of a debt owed. When asked for address to come to the company to discuss, I am given the run around. Representatives of this company have contacted me falsifying themselves as actual XXXX XXXX Process Servers stating that they are employed by the XXXX XXXX Police Department. Each time this company calls, it is under a different phone number with a different representative, with a different case number regarding a variance of criminal offenses that I have not committed. This company has threatened to garnish my wages, sue me, come to my home, and have me sent to prison. All searches for this company only show as being a fraudulent company attempting to squander money from innocent people where it is not due. Cooper, Hoffman, Klein, and Associates do not have a website. They are not affiliated with XXXX. They are a complete scam and do not stop harassment at any cost.
I have filed numerous reports with the bureaus, I filed a police report, I have disputed the accounts being reported as collections by Services of Athens. When XXXX investigated the accounts, with total disregard of the theft reported ; Service of Athens continuously verified the debts with the bureau, erroneously claiming they are mine. This has gone on for over a year. They have had substantial time to correct the matter and refuse to do so. account number XXXX for {$24000.00} and account number XXXX for {$42000.00}
XXXX IS REPORTING DUPLICATE UNAUTHORIZED HARD INQUIRIES XXXX XXXX AND XXXX XXXX
Have written in to XXXX and Equifax concerning invalid items reported on credit report and they refuse to remove non account holding inquires and 3 accounts : XXXX, XXXX XXXX/ XXXX XXXX XXXX XXXXXXXX ( not my account, companies do not have contracts and have been unverified ) and Chapter XXXX bankruptcy the bankruptcy has invalid date reporting and the following inquires were not done by me : 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 XXXXl, XXXX XXXX, XXXX , XXXX , and XXXX
I completed 5 years of full time XXXX in a XXXX XXXX  ( low income XXXX ) in the area of XXXX XXXX, which qualifies me for XXXX  loan forgiveness under the XXXX Loan Forgiveness Program. 

I applied for it, with my XXXX XXXX XXXX assistance ( superintendent of HR filed the paperwork to certify my 5 years ) in XX/XX/XXXX. I received a letter from the XXXX   Loan Forgiveness Program approximately one month later telling me I was denied. There was no reason given. Upon further investigation, it was because I consolidated my loans from XXXX in with loans taken out after XXXX through XXXX. Because the program began in XXXX, I'm automatically left out, even though I have plenty of loans taken out after XXXX. Essentially, because I made the wise decision to consolidate and pay a lower interest rate overall for my loans, I'm being penalized. 

Please help me! I made the commitment and I need help with getting the federal government to follow through on honoring their program.
On XX/XX/XXXX, I made a purchase of {$21000.00} on my Chase Sapphire card. My statement closed on XX/XX/XXXX. While I did not pay off the balance in full, I did repay the {$21000.00} on XX/XX/XXXX, leaving me with a balance that was probably around {$5000.00}. According to the terms printed on my statement ( line 3 of the statement excerpt below ), I have a 21-day period from the statement close in which to repay any portion of a purchase with no interest. Because I did repay a portion of the bill during the interest free period, I should not have been charged interest on the {$21000.00} ; however, I was charged interest for the full balance for the 12 days it was on my card. I spent about an hour speaking with two different customer services agents, one of whom was a supervisor who told me that it would probably be pointless to escalate further because the company would not refund the interest charges, which they view as correct.
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Page 2 of my statement : How to Avoid Paying Interest on Purchases : Your due date will be a minimum of 21 days after the close of each billing cycle. If you pay your account in full each billing period by the date and time due, no interest in charged on new purchases month to month. Also, we will not impose interest charges on any portion of a purchase balance you repay while that balance is subject to an interest-free period. Subject to any interest-free period for new purchases, we will begin charging interest from the date a transaction ( including any balance transfer, cash advance or overdraft advance ), fee or interest charge is added to your daily balance until your account is paid in full. Because we apply payments in excess of you minimum payment first to higher rate balances, you pay not be able to avoid interest charges on new purchases if you have another balance at a higher interest rate unless you pay your balance in full each month.
Have made numerous attempts to contact collection agency to resolve my debt. Today is XXXX/XXXX/16 and I was promised a call back 3 weeks ago from the girl that is handling my account.
My mother XXXX XXXX recently passed away and she had a credit card from XXXX in the amount of {$4100.00}. XXXX XXXX from Wellman, Weinberg & Reis in XXXX and I we agreed on the phone on XX/XX/XXXX ( they recorded the conversation ) for a settlement of {$1200.00} as a one and final settlement for this amount and it would be reported to the credit agencies as settled and no further collection against this debt would be pursued. They were supposed to send the letter stating the settlement terms three to five days from there and never did. I left a couple of messages and they called back today XX/XX/XXXX and reneged on the agreement. I spoke with a XXXX then XXXX and they both reneged on verbal agreement for {$1200.00} as a one and final payment to settle the account entirely. XXXX tried to say it was just a payment and it was definitely not. I have done a few Credit Card settlements in the past and know exactly how to do them correctly, so this is clearly a fabrication of events on their end. They are disputing that {$3000.00} of those charges went to a funeral home after my mother XXXX passed on XX/XX/XXXX but she authorized us to do this before she passed. This information was also mentioned to XXXX on XX/XX/XXXX and she, her supervisor and Wellman attorneys all agreed on this amount. There has been documented cases on the FTC and BBB in XXXX, Ohio from others about Wellman reneging on settlements in the past. This is a pattern with them. To resolve this issue I simply want Wellman to send the letter agreeing to our original terms on XX/XX/XXXX which was ; {$1200.00} as a one and final payment to settle my mother 's XXXX card of {$4100.00}, send a letter stating that the account is settled upon cashiers check payment of said amount and the terms we agreed upon. I can be reached at XXXX XXXX XXXX or XXXX. Calls are preferred. Thank you. XXXX
I applied fir CC with citycards in XX/XX/2018 and today is XXXX  XXXX and card has not arrived yet. I called several times and nothing yet
Bank had no checks cleared when I looked at account online XX/XX/2016 and morning of XX/XX/2016. The balance on that date XX/XX/2016 was slightly over {$920.00} ... on the fourth I checked again and they said a check cleared on the XXXX and charges me a {$35.00} overdraft fee. They cleared a check retroactively which incurred a fee or my online banking was not accurate. Either way, this is no fault of my patronage. 

Twice I was told upper management would call me back, once in XXXX hours and once in XXXX hours. I still have not gotten a callback and my branch filed a complaint and XXXX notices ... they have not heard back either. I am owed {$35.00}
this matter is going back about 7 years, i purchase something from  XXXX  and paid with paypal but i never got the merchandise i disputed at that time with no results no i want to take out a mortgage and i see it reporting on my report and they say they sold it to a different company, i requested proof that it was sent to me but they did n't provide me with any proof i need this off my report ASAP i was n't suppose to be on the report in the first place. they are in violation of the federal laws
reinstating the same ole stuff plus i can ; t get information about my credit because I answer all the question to identify me and they said it wasn ; t me and thats because they have set me up for some one else. and there not trying to hear me.i.m XXXX and need some one check this situation out.
I have attempted to contact XXXX by disputing my medical debt through their online dispute portal. I have also sent them a certified letter disputing this debt on XXXX/XXXX/XXXX. These collections were removed from my XXXX report because of multiple inaccuracies and lack of being able to validate this debt, but XXXX has not removed these collections from my credit report yet. XXXX keeps responding that this debt is mine and verified, yet I have never received an itemized summary of what I am being charged for, and I have never been contacted directly by Transworld Systems Inc, either, which leads me to believe this is fraud. These collections need to be removed from my credit report from XXXX, just like they were removed by XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$100.00} {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1700.00} {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$79.00} {$79.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$240.00} {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$88.00} {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$66.00} {$66.00}
I paid off my mortgage to Ocwen Financial Corporation in XXXX 2015. It is XXXX and I still have not received my title to the house. Looking online for complaints, I see this a common problem with Ocwen. My Mortgage loan prior to Ocwen was with GMAC Mortgage.
Consumer Adjustment Co is reporting a negative collection account on my credit report ( XXXX, XXXX, XXXX ) The debt is from a hospital called, '' XXXX XXXX Hospital '' located in the state of Missouri in which I do not live in. I have never received any services from that named hospital and have informed the debt collection agency that this fraud. I have been a victim of severe ID theft. I have provided the agency with proof of my dispute of fraud and this account is still listed on my credit report, reporting negative every month. I have sent in letters directly to the agency and also have done a direct dispute with the actual credit bureaus. I'm at lost of what to do now ... .. I just need for this fraudulent account to be removed from my report.
Arcadia Recovery Bureau rep called me today to ask me personal information such as to verify my addrees. to provide them with the year I was born, and I do n't know how many other questions in their list. 
The lady did n't say who they are, what they do or what are they calling me about. Instead they want me to give them personal information. 
I have nothing pending on my credit history, as I just got my credit pulled out last week and it was XXXX. 
This person who is calling in behalf of ARB is very aggressive and calls me during working hours at my office. Please make her to stop and as I asked her, to send me a letter. ( I asked her that, but she did n't understand )
XXXX XXXX XXXX keeps trying to charge me for a month of service after I canceled my service on XXXX XXXX 2015. I returned my rented modem in the store and was told that my account was settled up, my auto payment was cancelled and that I would be billed for approximately {$28.00} on or about the XXXX XXXX 2015. On XXXX XXXX 2015 I was charged for the entire amount of $ XXXXXXXXI called on or about the XXXX of XXXX and asked why I was charged the full amount. XXXX informed me that this was an error and that I would be receiving a check for {$42.00} in the mail. On XXXX XXXX 2015 I was charged an additional {$71.00}. A few days later when I called XXXX I spoke to a few different representatives. First representative told me it was for my XXXX services since XXXX always bills a month in advance. Their website confirms this XXXX. The second representative told me that my services were still online because I did not turn in my modem, I informed them that I had and they said " oh yeah it looks like you have. '' I asked to speak with the next level manager who then told me at first that it was for my XXXX services. I informed them that I had canceled on the XXXX of XXXX and they then switched their story to " right you need to pay for the entire month of XXXX '' when I asked why it was n't Pro-rated they told me you pay after the services are consumed not before, a direct contradiction to my bill, their website, and the previous representatives. I was told their manager would call me back they never did. After a few more days I filed a dispute with XXXX XXXX. XXXX XXXX investigated the dispute and determined that the bill was not in fact mine. After XXXX lost the dispute I got a bill in the mail for my cable service for the month of XXXX and they have submitted the entire amount to a debt collection company. I am paid up and keep getting different stories from their representatives on the phone.
They have failed to verify the information that I am asking for when I contact the bureaus. I am writing to advise you that you are inaccurately reporting information to the credit agencies regarding the above account. You are in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et. seq. - see specifically FCRA 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies '' ). 

I hereby dispute your information in its entirety and request supporting documentation that substantiates the information you have furnished to the Credit Agencies. 

Please note, I am not requesting a verification that you have my mailing address ; rather, I am requesting validation in the form of some competent evidence that I had some contractual obligation associated with this trade line. 
And if sunrise credit service has the account you are in violation. You ca n't report a balance if it is at a collection agency.
I have a collection that is reporting to all XXXX credit beareau 's of a medical collection that is not mine. My son XXXX was taken to the doctor by his mother, and he was on my insurance. I left that job and my sons mother continued to take him to doctor which resulted in me still being charged, even though i no longer worked for that employer.After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in ( Whatever Year ). I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.