WillisBack/dataset-financial-user-claim huggingface dataset:
I have a charge-off on my credit from " MONTEREY FINANCIAL SVC '' & " MONTEREY COLLECTION SVC '' which I never even applied for. I was sent a letter from Monterey Financial Services Inc dated XXXX XXXX, 2014 saying that my credit application was denied. But again, I never applied for anything to this company or the application for " XXXX '' that they are referring to on their letter. I did attend a sales pitch meeting from XXXX but I did not purchase any of their vacation packages. Now my credit report is showing XXXX charge-offs from this company for {$4600.00} and {$3400.00} ; which like I mentioned above, I have never applied for to begin with.
I have no records of doing business with the companies I found on my credit report. I have filed a FTC ID theft report for the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. please delete/remove these account they are not mine. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX NEW YORK XXXX.Please remove any other address.
The Advantage Group , Inc. Is trying to collect a debt that was settled back in 2012. This Collection company bought a already paid debt and has violated my rights in several ways. They are as follows : I was never given the right to even question let alone settle this debt with the Advantage Group, INC. 
I was never contacted in writing or by telephone about owing this debt with the Advantage Group, INC. they are not the original vendor and were required to contact me directly in regards to this debt. This was never done by their agents after purchasing a false debt. 
I discovered the debt through credit monitoring not because of the advantage groups attempt to collect a debt through proper notification. This alone violated my rights. 
The Advantage Group contacted the credit reporting agency and put the debt on my report as owing. This was a direct violation of my consumer rights also. 
This debt was paid directly to XXXX XXXX for service they rendered to XXXX XXXX at On Call Doctor in the month of XXXX 2012 ( SEE XXXX card receipt ). 
Furthermore ; I had no responsibility to XXXX XXXX XXXX to pay any additional fees when visiting the on call doctor 's office. The Advantage Group, Inc. is also trying to charge an interest fee to a disputed fee of {$170.00} from the original billing from XXXX XXXX. In the months in their response to Consumer protection were the months that I did deal with XXXX XXXX in regards to their erroneous billing. The Dr. office was paid for any and all services at the same time of my visit. 

The collection of any debt needs to notify the accused debtor and that same debtor has the right to dispute it. I was never given that right with The Advantage Group XXXX XXXX. They have never sent me any proof of their attempt via U.S. Mail that I owed the XXXX XXXX debt.
Hello Sir, I hope this mail will find you the best of health. I am a XXXX citizen and residing in XXXX. Actually, i had transacted some crypto currency of amount almost XXXX ( Above XXXX $ ) Bitcoins to mistakenly generated bitcoin cash address. The Receiving Wallet Address generated by me was of Bitcoin Cash ( XXXX ), But the amount transferred was Bitcoin ( XXXX ) by the sender. Funds was transferred from XXXX to Coinbase channel. So, the sender sent XXXX to XXXX wallet address, which was generated by me. My amount is blocked at Coinbase end because XXXX showing XXXX confirmations of my transaction. I had mailed the Coinbase support team and explain them about my issue. But Coinbase team didnt bother to respond to my mails even the Lapse of 30 days. Further, I had also tried to explain them through call about the entire issue, but they did n't resolve my issue after the lapse of considerable time. Therefore, I am complaining through this channel to take action against XXXX to redress the grievances and issues of a lot of people, whose amount is blocked at coinbase 's end. 

Additional Information : Company Name : XXXX My Email : XXXXXXXXXXXX Transaction Hash : XXXX Receiving Wallet address ( BCH ) : XXXX Transaction Date and Time : XX/XX/XXXX, Between XXXX Transferred amount : XXXX XXXX Coinbase Physical Address : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX CA XXXX
On XX/XX/XXXX, I sent investigation requests to all three credit bureaus. As of today ( XX/XX/XXXX ), I have received responses from XXXX  and XXXX XXXX ; but Equifax has NOT responded yet. Its been well over 30 days.
I agreed to pay XXXX per month on my purchase in the store. they financed through Synchrony Bank. within the first few months, I received a bill with a late fee. I have paid the XXXX every month - ahead of the due date. at that time I called them and they stated that the first month was late. we discussed the due date and I assumed they were correct on the first payment an made the additional payment to clear the problem. Since then - every single month they have added late fees to my account .... those fees now exceed the original purchase price of the bed I bought. they have called and harassed me for payment for months. calling at all hours several times a day - every day. I called again today to try and speak with a supervisor on the issue as every other time I call I get someone who just repeats that I owe this amount. I spoke to someone named XXXX who again stated that I owed the fees as I was not on a fixed payment plan. that is news to me. he stated that as the fees went on the payment needed increased and I was not making that minimum payment. again I explained that I was NOT late making payments and he repeated that I owe the money and how much I owe without even acknowledging my statement about the late fees being added incorrectly in the first place. I have made my payments in good faith and will continue to do so until the original balance is satisfied. they have done significant damage to my credit rating with these fraudulent fees. I will NOT pay the fees.
XXXX XXXX ( now Navient ) offered me to consolidate my loans. I accepted but when Congress passed the law to allow the student loan forgiveness programs, I called them to ask if I would qualify for it since I worked for a XXXX XXXX XXXX. They told me that after 120 on time payments I would. Now that I made the 120 payments, they said that because my consolidation was under the Smart Loan Consolidation and not a Direct Loan Consolidation I did not qualify. I was given deceiving information to prevent for obtaining the public service loan forgiveness program.
XXXX pharmacy in XXXX store in XXXX XXXX submitted approval for prescriptions to my previous insurance carrier, not current. They XXXX XXXX approved it in error, I paid my co-pay and had no idea until I got a collection letter to reimburse them. Called them and said they need to talk to the pharmacy, they and you made the mistake, I was hung up on. I called the pharmacy and was told they would not fix their mistake, but rather I would need to submit a claim to the correct insurance carrier. They gave me print outs of the labels for the prescriptions and sent a completed claim form to XXXX XXXX. XXXX XXXX has never responded, other than rejecting the claim form saying it didn't have all the information from the pharmacy label. I sent it in to them twice. I also advised XXXX XXXX that a claim for had been submitted. I was told that was all I needed to do. I have not received the reimbursement from XXXX XXXX and now XXXX XXXX has turned this over to XXXX XXXX for collections. The pharmacy won't help and no one at either insurance carrier will work it out between them. This is not my debt!
On XXXX XXXX 2017, after the holidays, I was approved for {$200.00}. After going through the approval process I need to e-sign. I did so the lady XXXX XXXX ask if this was for the XXXX. I asked if XXXX was possible and she said yes. We would need to redo the esignature. After almost completing the second, I said " now I do n't want to end up with two of these loans, that is not going to happen, will it '' she assured me no. But it did. The second loan was thru XXXX XXXX, although outrageous ; I was able to get that paid off after 8 months ( XXXX ). I tried to contact XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX to pay off the principle of XXXX, which I have already paid XXXX in interest. They told me their systems were down and unable to adjust my account. I called back and pretended to open a new loan and they had no problem with their systems and wanted to set me up. I called again on XXXX XXXX and after half hour on hold finally demanded a supervisor. Her name was XXXX. She would n't give a last name, just employee number XXXX. She said there was nothing she could do, she would contact me in 24 hrs with payoff amount, but she never did. I have some emails and some written documentation of my attempts to contact.
Justice Finance located in XXXX, Texas. Called me Multiple times at day at work for weeks straight after being told multiple times that I could not receive personal calls at work. XXXX told my manager, and family members other than my spouse about my debt. She threatened to sue me and have me arrested as well.
I opened this loan back in XX/XX/XXXX and was scheduled to make manthyl payments of {$460.00} for the next 36 months. A problem has developed where I can no longer afford to make these payments since my medical insurance premiums jumped over 500 % for XX/XX/XXXX. I spoke to my attorney who advised me that I should file for chapter XXXX bankruptcy and that I should contact the creditor about a refinance or a resonable payoff ( settlement ) quote. In contacting the collections department and customer service I am finding that after XXXX or more calls that they are trgfising to listen and cooperate. They either do not have any information to give me or tell me that they will not negotiate ; clearly ignoring and voilating all applicable federal and state laws. If we do not reach an agreement in which I can reasonably pay off this loan, I will be forced to play all audio recordings of these phone calls in open court, demonstrating their contempt and refusal to cooperate -- resulting in the coutt ruling in my favor and forcing them to write off this debt and cease all collection efforts.
Truck was a XXXX XXXX XXXX was acquired in XXXX and returned on XXXX Company is violating the statute of limitations They already have a garnishment against me
Hello, I have a kohl 's credit card, and last month I paid my account off in full online, Two days later they made an attempt to charge my bank account the same amount again. It caused me an overdraft fee of {$35.00}, so I tried calling them and asked them why they would double-charge me. They claimed that I authorized those XXXX payments which is n't true because I did n't owe Kohl 's anything.to pay on they even wanted to charge me a returen check fee which a manager said later that she wont
I went to purchase a couch and they offered 12 months no interest. They could not not offer me credit because i did not have a cell phone. That is discriminating.
This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX XXXX XXXX unilaterally and incorrectly reported payment of my auto history, this error was subsequently corrected and mailed into all XXXX credit bureaus ; nevertheless the late payments continue to appear on my credit report. I am requesting that all late payment history is removed due to this inaccuracy. This account is also showing as a collection, can you please update that information as well. The account is a lease that I am currently driving and it should not show as a derogatory or a collection. PLEASE UPDATE
I closed an account with TCF in XXXX of this year and recently had a check from XXXX XXXX be deposited in the account in XXXX. If the account is closed and I have no business with TCF how can a check that was deposited into a non existing account be possessed by an institution I have cut ties with. I did still have TCF as a Direct Deposit option for the XXXX XXXX. I contacted the XXXX XXXX  and they notified me that if my account is dissolved then the bank should notify the XXXX   XXXX the account no longer exists and send me a check. TCF claimed that because I had a direct deposit for the check will associated with the XXXX XXXX they took the check. After I liquidate an account the bank should no longer hold the right to posses my money in any capacity, and they also wanted to charge me for an account maintenance fee. Any help would be greatly appreciated.
XXXX XXXX XXXX has repeatedly called me for almost 8 years, as well as mailing threatening letters. This is in regards to an electric bill debt with XXXX XXXX, OH from XX/XX/2008. They call with various out-of-state phone numbers. When I block one, they just call with another. Lately, they have called me almost daily from XXXX. They have called from this number 10 times already this month. This is harassment on a debt that is 10 years old and I would like all communications from this company to cease.
On   XXXX   XXXX   XXXX     I sent a letter disputing multiple accounts to equifax and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on   XXXX   XXXX  . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to  XXXX  requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in   XXXX   day?     I Followed up with a phone call today   XXXX   XXXX   and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.
I called the points redemption number for my credit card and was told since the card had not been used in the previous 12 months, the account had been closed & my points were now expired. I only had XXXX points, but still feel I should have been able to use them up.
I have made several attempts to correct this problem, but it seems my account continues to be reported incorrectly, even after speaking to a person at the corporate offices. I have submitted XXXX other complaints about the same problem in past ensured during the complaints that the account would be reported correctly on all XXXX credit reports but to this date the account has not been reported correctly. After I submitted my last complaint all of my credit files reported correctly besides my XXXX stating that I owed {$890.00} ( The balance was never {$890.00} ). Today, I pulled my credit reports and now they are stating that I owe {$290.00} and status is & gt ; Charged Off & lt ;. I was told when I settled the account, the account would state that it was paid and in good standing. This XXXX account has effected my credit report for over a year due to the companies incorrect reporting on my credit reports.
Equifax is reporting a tax lien that has been paid and released since XX/XX/2014, and it is currently being reported as a negative item. This should have been removed because the information shows the release date of the lien! 
Both XXXX and XXXX have already updated my credit reports removing the tax lien that has been paid!
XXXX XXXX Bank issued a new disclosure they would be dramatically increasing my rate, on a credit report rating based upon information received from equifax. Under XXXX disclosure Under Federal Law, you have the right to obtain a copy of your credit report without charge for 60 days after you received this notice ( notice date XXXX XXXX, 2016. To obtain your free report, contact Equifax. on the web : Visit equifax.com. Equifax site required signing up for their service, with the option of canceling at any time. This was done today and Equifax would not refund The {$19.00} saying I used their service. Their website did not give an option of free credit reporting.
I just checked my credit report and I have a derogatory collections mark from this company. Problem is I have never received any letter or communication from this company where it gives me an opportunity to verify this supposed debt. I do not even know what this debt supposedly is. They have not validated any debt ( proving it is still within the statute of limitations, they are bonded to do business in the state of Texas, the amount can be proven and verified ... etc ). This violated FDCPA. Again I was never sent a letter with my rights to dispute the debt.
I opened a credit card with XXXX ( XXXX ) in XX/XX/XXXX. In XX/XX/XXXX I was separated from service with the XXXX with a debt I could not pay and I remained unemployed until XX/XX/XXXX. The debt was sold to Transworld Systems Inc. in XX/XX/XXXX-XX/XX/XXXX while simultaneously Treasury Offset was initiated by XXXX. Recently ( XX/XX/XXXX ) I received a letter from Transworld Systems Inc ( TSI ) telling me that the balance that I owe was several thousand over the initial debt and that TSI was attempting to garnish my wages. I contacted XXXX to provide me with the initial debt amount, I was told by a representative that they did not have that information. XXXX has collected my tax returns since XX/XX/XXXX leaving me with nothing and has allowed TSI to charge interest on my debt while not providing any evidence to support the continued offset of my tax return. I have contacted TSI for verification of debt with no response. I am currently seeking legal counsel for this blatant disregard of Federal law simply because XXXX is considered a Federal Agency. Please advise or take action on this matter, I am not the only one who has been placed in this situation.
I noticed a derogatory medical reporting on my credit bureau and called XXXX at XXXX EST and spoke with a male names XXXX XXXX He stated this was a debt from XXXX. I advised its a small amount happy to pay but need proof of payment. XXXX state they did n't provide and write letter of PIF. 
I advised need this to confirm I paid off this debt and to whom the debtor was paid off to and for. Rep refused this information. 
I said then in this case I am disputing the debtor per my Right under the FDCPA to confirm the debtor in which I 'm paying and to whom is demanding the debt be paid to. Representative refused. He stated they only have to comply if request is in writing and that I have owed this bill long enough and should need anything further to pay it. 
I reminded him that FDCPA states if requested VOD must be provided if requested. I informed him I would be reporting this to CFPB and requested a supervisor if he will not process vod request. He transferred me to an empty voicemail with no ID. I left a message and am now submitting this complaint. 
also REMOVE FILE FROM MY credit BUREA AND CLOSE BACK TO THE ORGINAL CREDITOR FOR PAYMENT.
capitol reported 2 credit inquirers in XX/XX/2017 XX/XX/2017 I did not auhourize these their phone number is XXXX XXXX XXXX I contacted them and they told me they would remove them but they only removed them from XXXX  not XXXX XXXX report I sent XXXX XXXX a letter over 6 months ago still no response they know they were unauthorized by me they removed XXXX but not XXXX XXXX please help me
XXXX  bank/TD is showing an open account on my XXXX with incorrect balances and wrong dates.
An unauthorized charge to my credit card was made by  XXXX  and granted by Bank of America without my approval. A class action lawsuit has been filed and is in process against  XXXX  for this practice ( see attachment ). Attempts to clear this up with Bank of America via the  XXXX  credit agencies have failed. This unauthorized charge has resulted in a reduction in my credit scores of approximately  XXXX  points and has been ongoing for over 7 years.
Loan depot called about an inquiry of refinancing my home. After talking for a bit they asked to pull and take a quick look from my credit just to look at the score. Company ended up pulling a full report with out permission including all of the current loans I have out. After opting out of their services they still send paperwork to move forward with their loan which I did not agree too.
I am widow. According to Minnesota Law title of the primary residence has been transferred to me as a surviving joint tenant. Lender advised that I qualified for a loan modification and offered me to go through the loan modification and assumprion processes to assume the loan. I have submitted all requested documents to the Lender. The reception of all received documentation has been review and confirmed by Relationship Manager. According to the Relationship Manager assigned to the file my income has been approved and I was advised on proposed modified monthly mortgage payment amount. Suddenly, Lender ignored the Interior Appraisal done by certified appraiser hired by the same Lender itself and instead making decision in 30-45 days period, Lender is keep asking for the same information multiple times and ignoring the fact that all documents have been submitted and made the appraisal expired. In addition to that the Relationship Manager on the file was very confused with all what is happening and keep appologizing but he was removed from the file. I still have a hope that all of the above is the accidental issue due to the Bayview Loan Servicing internal reorganization process and not staged circumstances to victimize me as widow and foreclose on my primary residence. I just received the pre foreclosure notification from the Lender for my home. I am asking to help me work with my Lender, Bayview Loan Servicing, to complete the loan modification and assumption processes and avoid a foreclosure. I doesn't feel right and still hard to believe when Lender might use the circumstances like " loosing my husband ', which is hard enough by itself, and making the process so stressful.
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX : 90 days past due XX/XX/XXXX, 120 days XX/XX/XXXX, 150 days XX/XX/XXXX XXXX : 90 days past due XX/XX/XXXX, 120 days XX/XX/XXXX, 150 days XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
My fianc was hurt on his job and we fell behind in bills, I had to choose between keeping roof over my head and food in the home of pay off my credit card bill. my balance on my chase card at the time I believe was {$5000.00} on one card and XXXX on a 2nd card I signed up for monthly payments so I wouldnt destroy my credit and I can pay down my balance somehow that program didnt go info affect and now my balance is almost {$10000.00} and all the payments I made didnt add up to anything,
I made an appointment at XXXX for myself and another person. The contract is with me directly and XXXX charged me for both cancellations. As you can see, I was debited 6 times and charged twice for services not received. I agree to pay my cancellation however I'm not responsible for other persons payment. I have tried to dispute this with the merchant and bank of America and getting nowhere. I want my {$69.00} back. 

THIS IS A CONSUMER TRANSACTION
I applied for the payday loan back in XX/XX/2017 when I was employed full time.The company knew my paydays but continued to take out the payment amont on the wrong days which resulted in late charges and sometimes repayments.In XX/XX/2017 I lost my job and got behind on the payments but I also reported everything to the company which by that time handed it over to collections.I then spoke with a representative and told them I would get them the money as soon as I could.Collections then started to harass me so much every day after that day that I had to change my number.When I called back I was told that the account was changed off.