Collection Bureau of the Hudson Valley, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/21/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NY 125XX	Web
I have had problems w/the COLLECTION AGENCY IN THE PAST. COLLECTION BUREAU OF THE HUDSON VALLEY. In XXXX 2007 i been punched in the mouth by my sibling & needed stitches. My son was going to drive me to the ER when the ambulance showed up-which i did n't call. i refused their services-as i had only had MEDICARE @ the time & ambulance did nothing for me. I was repeatedly sent a bill in which Medicare had paid part of it but they still wanted {$150.00}. I suffered a XXXX in XXXX of 2007 & was in XXXX for 3 months. Of course the bills piled up before i was even discharged. i did have a tidy amount of $ in the bank & though i was XXXXmy son would sit me up for an hour a day to make payments by credit card. I paid everyone a little something. Please remember i was hospitalized for 4 months. These " people '' CBHV came into my life again & would call all hours-not following the law. But as i was so badly injured-i never thought to report them. This had nothing to do w/the XXXX ambulance bill. I paid them off just to get rid of their " guerilla tactics '' as i was a very sick woman. Now keep in mind-my XXXX score is over XXXX! What they had done w/the original {$150.00} charge is kept changing the date of service SO IT WOULD REMAIN ON MY CREDIT REPORTS even after 7 years-in which it is SUPPOSED TO BE REMOVED. Now on to the current charges. After spending {$50000.00} -all the money to my name-i then applied for MEDICAID IN NYS. So this current charge when i was seen at XXXX XXXX Hospital, i received a bill for {$25.00}. I called billing & gave them my MEDICAID # and this was supposed to clear this charge. OR SO I WAS TOLD of {$25.00}. i just received a COLLECTION NOTICE from this corrupt collection agency in which it is charging me {$47.00} for an original bill of {$25.00} -again- i thought ( and was told IT was taken care of ) as due to my incredibly LOW INCOME from XXXX ; i would have qualified for the Charity Grant! so CBHV not only keeps reporting a {$150.00} by changing the date of service TO KEEP IT ON MY CREDIT HISTORY which obviously is not effecting it & gt ; & gt ; & gt ; IF MY XXXX IS OVER XXXX! but what THEY ARE DOING IS ILLEGAL. AND NOW THIS ERRONEOUS CHARGE from {$25.00} to {$47.00}. XXXX! I did write to them & tell them not only am i DISPUTING THIS CHARGE but knowing " their '' falsified reporting tactics-was reporting to you. I receive after paying MEDICARE & my MEDICAID SPENDOWN-ANOTHER ISSUE-which they are continually harassing me telling me my medical receipts are not applicable to my SPENDOWN which is incorrect as i know WHAT IS & IS N'T. Anyway-after paying {$100.00}? to MEDICARE & A SPENDOWN OF {$64.00} A MONTH-i am trying to live on {$830.00} a month! AND AS A HOMEOWNER-I PAY LAND & SCHOOL TAXES which i pay for ambulance services right in my TAX BILL! yes, i have REPORTED various issues here. But my MAIN COMPLAINT NOW IS W/ C.B.H.V who i do n't owe this money to. Certainly NOT their " arbitrary '' charge of {$47.00}! AND THEIR CONTINUAL CHANGING THE DATE OF SERVICE FROM 2007 AND REPORTING TO XXXX ; XXXX XXXX ; XXXX ... IF I DID N'T PAY MY BILLS WHY WOULD MY FICO SCORE BE SO HIGH? and due to trying to maintain a home on {$830.00} a month i live on CREDIT CARDS so my score is exceptionally HIGH. I AM NOT PAYING THEM FOR THEIR LIES. AND THE WAY THEY " threatened me in the past '' when i could n't even go to bathroom by myself. Thanks for your attention to this matter AS THIS COLLECTION AGENCY NEEDS AUDITING.
01/12/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NY 120XX	Web	Servicemember
Initially purchased a bunch of products online. I had made duplicate orders on several items and there was a couple occasions where those items did not arrive. I reached out to to the retailer and they refuse to cooperate in which I then communicated to my bank XXXX. They initially issued the credit lawfully as what should have been done and then after seeing a credit of similar or same amount as I had mentioned I ordered multiple of the same items they went ahead and took it upon themselves to overdraft my account for the amount in which they had given me already and initially as you'll be able to see that in the transaction history. I immediately called them and asked what happened and they said that I needed to take it up with the retailer and I explained to them that I did do everything as all of my due diligence which is the reason why I was reaching out to the bank. I then scanned all of the purchasing receipts and all of the required information that they asked of me and still never did they give me a response back. Now the amount of {$730.00} is being brought up in collections proceeding. Please inform XXXX Bank that if they do not resolve this I wish to move to arbitration. I will formally let them know upon rejection if that be the case. They assured me through multiple forms of advertisement upon me becoming a customer that I was safe with them and I had this protection for instances just like this and in turn I got hit from both sides and it causes significant amount of damage to my credit and now with the collection proceeding. The irony is I had not received a response back regarding all of the paperwork I gave them around this transaction after they already gave me the credit and then enabled enough time for me to spend it before readjusting it to their convenience with many occurring fees over. They refuse to basically work with me at all told me to reach out to the retailer and I explain to them that I have done everything and that this was their protection they offered and then they refused to capitiate and even get back to me and yet they take the time out to put this into collections after I attempted to send them a personally issued bond for {$1000.00} as it is the only payment I have available at this time and it's still not lawful I should not owe anyway even this Bond I have personally issued is worth more than the credit behind this incident. The amount is unlawful and I gave them everything they asked for and was in constant communication and they still just continued their processes right over top of my request. I initially made a complaint because they denied my bond and still continue to proceed with collections but really this complaint is because they initially issued the credit as they assured me they would behind the protection they advertised as a customer and then wait for me to spend that amount only to overdrafted eventually and then start to charge me fees because I can not afford to pay back such a sum. This is predatory practice in my opinion and should be addressed appropriately. I want them to restore my account to the appropriate balance out of the negative so that I can use the services that I was promised initially. After all of this honestly it's their prerogative if they want to close the account that is fine just please cease and desist all collection practices and acts as it is not a lawful debt. Thank you
09/16/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	TX 78626	Web
I attempted to cancel my service with XXXX, formerly XXXX, on XX/XX/XXXX. They kept me on the phone for more than an hour trying to cancel the service. Continually transferring me to new retention members. Towards the end of the call I was so exhausted by talking to them that they offered a deal, I submitted and told them fine I would try it. I called back twice to cancel the new deal, hoping it wouldn't be another hour plus ordeal. On XX/XX/XXXX I thought I cancelled everything, the appointment to install new equipment, the proposed service, everything. Middle of XXXX, I received a bill saying I owed a bill higher than any I had previously been given. I dismissed it as an error. When the next month I received another bill at over {$300.00} I called. I believe this was XX/XX/XXXX. I expressed my frustration that I was still getting bills for service I cancelled, and the customer service representative told me she could see I called in and asked to cancel service in XXXX and she would remove everything and I shouldn't be bothered again. The next month I received another bill. In between these emails I was also getting multiple text messages and replying STOP to all of them. XXXX has been harassing me asking for money and claiming I owe them something I do not. When I spoke to customer service in XXXX I was livid, and was not polite when I called. I apologize for that, but multiple times I have had such difficulty getting them to listen to my issue. This time they told me the customer service rep who I spoke to in XXXX cancelled my previous debt but did not stop my future billings or possibly only removed part of the debt. This representative told me they would have to review every call I have ever made to the company to see if my claims were correct or not. They told me that the representatives I spoke to in the past did not make any notes on my calls and therefore they can not know what I requested without listening to the calls. How is it that all of their representatives did not make notes on my calls if it is XXXX for them to do so. Did they all disregard the procedure of the company or did the company purposefully loose the notes of the representatives. I never heard the results of the inquiry into all of my calls. The rep told me he would call in 10 days with results. I have heard nothing until I received a collection letter from XXXX XXXX Hudson Valley. I have followed their instruction to dispute the debt. I have not called back to XXXX as I am sure they will say that now the debt has been passed on to collections they have nothing left to do with it. I am beyond frustrated with Optimum/Suddenlink I never want to speak to them again. They were the only high speed internet option, by design of the former XXXX of XXXX, who was thought to receive compensation for keeping it such when we moved here in 2016. They have always had spotty service, often throttling the speeds and completely loosing connection multiple times a week. We did not report every outage as most of the time they were of limited duration. Please tell me what I can do to remove this collection from my credit history, it is not fair for them to sell a false debt to another company and expect me to pay for it.
04/17/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	AL XXXXX	Web	Servicemember
This letter is a formal complaint that Collection Bureau Hudson Valley is reporting inaccurate and incomplete credit information.. Credit reporting laws ensure that bureaus report on only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts posted on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. I called XXXX after being transferred four times because no one could find an account, I was transferred to a XXXX, who advised me that she couldnt pull up the account but put me on hold and advised me that the account was transferred to a debt collection agency by the name of Collection Bureau Hudson Valley , Inc, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX ( XXXX ) XXXX, I was told that I needed to contact them to get a copy of this account. I spoke with a XXXX XXXX and advised her of the dispute that this account should be closed due to the merchandise was returned. XXXX XXXX advised me that she was showing an original balance of {$620.00}, I advised her that this is incorrect, the XXXX was returned and the amount was only {$390.00} plus prior to returning it I made a payment of {$30.00}. XXXX XXXX advised me that she was showing the amount was over {$620.00}, I requested that she send me a copy of the transactions. ( see attached documents ) She agreed, and I received the transaction showing incorrect dates, incorrect return dates and a credit for {$390.00}. I am showing a balance of {$440.00} and a lot of other charges which it doesnt list what it was for and showing a return date of XX/XX/XXXX which, it was incorrect, the correct month was in XX/XX/XXXX. I wasnt credited any finance charges from the sales, which I should have been credited, so it seems that XXXX was charging me late fees on their error. This should have been a XXXX balance. After going over the Transaction Summary, I called XXXX XXXX back and advised her that I received the transaction and that the information is incorrect. I advised her that I am showing a bunch of transactions on this account for only an XXXX ordered and the transactions do not have any descriptions. I was advised that I needed to contact XXXX and let them explain it, I advised her that XXXX advised me that they couldnt pull up the account after it is turned over to a collection agency and I needed to speak to the collection agency. XXXX XXXX advised me that she didnt know why they told me this because they have nothing to do with the product or the order summary. I advised XXXX with XXXX and kept asking him who XXXX spoke with to verify this account because neither XXXX nor Collection Bureau Hudson Valley , Inc knows anything about this account, but I keep getting notices from the Credit Bureau that the creditor advised that the account is accurate and the account is still showing a charge off and I don't even have the merchandise.
08/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 069XX	Web
XXXX has been predatory sending us false bills and wrong information- I will start back in XX/XX/2022. My husband sent in our cable equipment and cancelled our cable service. XXXX sends a full bill cable/phone/internet for {$390.00} including billing us for 4 DVR cable boxes. I was furious and decided I would handle the matter as my husband has a busy and demanding finance job. We didn't see a cable bill for XXXX or XXXX but they insisted we owed them for XXXX. I called them several times and no one helped. We decided at this point after over 12 years of being their customers that we wanted nothing to do with them. After looking into different options we decided we were going to switch our internet service to XXXX for XXXX. We called XXXX and had our appointment scheduled so that at the very start of XXXX we would have Internet Service and immediately return our modem and cancel service with XXXX. At this point XXXX offered us several free months of service and a rate less than what we were paying XXXX. I explained we had a contract with XXXX and they explained we had a certain amount of time to cancel the contract. After the headaches we went through with XXXX I decided to not accept their offer and just move on. In XXXX XXXX sent my husband a bill for {$210.00} for a billing cycle XXXX for Internet when I had CANCELLED. That was it for me. I decided to look back at what was claimed to be owed and what we had paid. I have the receipts still with my husbands name proving he returned the cable equipment so that we would not be billed in XXXX. I also kept the receipts showing I returned the modem at the start of XXXX. I finally complained to corporate and cc : XXXX the FCC. Of course then I heard from them. Corporate was going to do an " investigation '' XXXX in their investigation claimed that I " ME '' sent back the cable equipment when I still have the receipt from XXXX showing it was my HUSBAND. Also, we no longer owe {$210.00} but now {$45.00}. Meanwhile I had looked back at all the receipts/paid service etc and they owe us {$170.00}. We over-paid!!!! 28 days after XXXX XXXX XXXX investigation '' we received a letter of notice of intent to collect by the Collection Bureau of the Hudson Valley XXXX I reached out to them, XXXX and the FCC with all of my receipts and evidence supporting that XXXX actually owes us. After YEARS of paying close to $ XXXX for service by XXXX and declining a service with them for less than what I am paying XXXX I would not make a big deal out of {$45.00} except that is unethical to just go and bill and send to collections whatever you feel like. Not to mention my husband is in finance and sending him to collections can hurt his credit score and any potential job offers. I have since sent a detailed description of what transpired and CC : XXXX XXXX, XXXX XXXX of the Hudson Valley and the FCC on this matter. The form says do not include personal information but if you want the receipts or emails I would be more than happy to provide this to you. I have all the PROOF!!
01/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	NJ 077XX	Web
this is my story i had a acct with a bank called XXXX last year, XXXX night when it was late and i was bored i went checking out dating sites to see who offered trial memberships, cause i had very little money in my acct. so i found a place called XXXX i believe they offered a 3 day trial for like XXXX and change or XXXX and change, now knowing i could not join for a month plus i did not just want to i checked there 3 day trial period put in my info hit submt, next thing i know it shows on my comp i successfully upgraded to 6 months for XXXX i almost dropped dead. i immed called them told them this was there error correct it at once they were very rude nasty and hung up. the following day i called XXXX bank explained what happened they said they would dispute it. well end result was the bank took the merchants word over mine, why in gods name would i sign up for a 6 mo membership at that price when i only had about XXXX dollars in my acctso because i believe i was treated unfairly by the bank and they took a complete stranger say so over there customer i closed the acct, since that day they have continued to add charges to the orig wrong amount that now its over XXXX XXXX dollars. now a collection agency is threatening me with action unless i pay this immediately there name is cbhv located in XXXX ny, i sent them a letter telling them the bank was at fault not me but even though i was not at fault i was still willing to work something out but not for over XXXX hunfred dollars, they if not today should rec this letter this week, in todays mail another letter came telling me i have 7 days to pay or whatever, so i tried to call the office and explain my situation and work out some kind of agreement even though again i was not wrong. i called them 4 times said who i was each time they hung up so now im fed up with them period. i want complaints filed against them as many as you can.. there phone number is XXXX XXXX XXXX if you call good luck you are gon na need it. what i had intentions of doing which i stated in my letter i sent to them even though this whols matter was not my XXXX im no fool and choose to not be treated as XXXX. the name of that site i believe exactly was XXXX is to split the difference, but im on a fixed income ss XXXX and have many bills to pay here this so called collection co i call the XXXX artists when i called 4 times and was hung up om didnt even let me say a word, i feel first i was in the right all along and was not believed then even when i was willing to compromise and split the diff only over a period of time and was hung up on 4 times they deserve nothing no longer. but if they are willing to talk ill listen but it has to be on my terms any help you can give me will be great im no fool and im not gon na be treated as XXXX by anyone. the name of that site i believe is XXXX i think any assistance you can give me would be greatly appreciated. ty regards. XXXX XXXX my email XXXXXXXXXXXX or phone XXXX ty again XXXX XXXX
02/09/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 786XX	Web
In XX/XX/XXXX I returned internet equipment to XXXX in person XXXX XXXX, Texas ) due to moving across the state and no longer needing their internet services. At that time, I had not utilized the entire month of services and was informed that the monthly payment would be pro-rated to the amount that was actually used ( as this is something XXXX had done a month or two prior with my account when I had moved then XXXX. Later on, I received a bill with the entire monthly amount, so I contacted XXXX directly ( via telephone ) to ask about the pro-rated amount. Each time I called to ask about this, I was told on multiple occasions by several different XXXX representatives that someone from billing would contact me directly to assist with this. Each call was stated to be recorded for quality and training purposes ( so this information should be on file with recorded calls ). No one ever called me back to discuss the prorated amount, and I had made several calls myself to XXXX to address this in between XX/XX/XXXX and XXXX XXXX with no luck. Months later I received a notification that the XXXX account was now considered " in collections '' and was turned over to a collections agency. I disputed the claim through XXXX, and after communicating with the dispute center, I " won '' the dispute and it was removed from my credit report. Fast forward to XX/XX/XXXX where I have received another derogatory mark on my credit report involving XXXX once again ( same issue ), but was opened up with a different collection agency. I contacted the new collections agency and was told that XXXX will probably continue to harass me until I paid the full amount. Once again I explained the situation and was told it would be noted on the collections agency account. I filed another dispute with XXXX to continue disputing the derogatory mark in XX/XX/XXXX, and am continuing to deal with this situation. I do not agree with this derogatory mark or the way XXXX is handling the situation due to my attempts to contact and pay the prorated amount on multiple occasions before it went into collections, not being informed that the account would be turned over to collections, the fact that I " won '' the first dispute against the same account/company/issue in XXXX, being told directly by a collections agent that this company ( XXXX ) is known for continuing to harass customers until they are paid and will continue to probably file derogatory marks against my credit with different collections agencies until I'm " pretty much tired of dealing with them and pay, '' and the fact that XXXX doesn't even have my name spelled correctly on the account. I don't think it is fair to allow XXXX to continue to open this case up over and over by utilizing different collections agencies for the same issue that has already been disputed and " resolved '', and continue to harass previous customers.
07/28/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 076XX	Web
I was hospitalized in XX/XX/XXXX 2016 and had XXXX XXXX was an out of network provider at the in-network hospital where I was taken. This was not disclosed, and several months after I was discharged, I began to receive bills for over $ 8K for few days of consults. In XX/XX/XXXX, XXXX XXXX XXXX sent me an appeal form and actually instructed me on how to file and appeal with my insurance company. I was still injured, and required assistance, but I managed to submit an appeal to my insurance and sent a copy to the office to notify them that the appeal was filed ( I was given a form and a return envelop from XXXX XXXX XXXX ). My insurance approved the payment and sent XXXX XXXX XXXX XXXX a check in XX/XX/XXXX ( Check # XXXX ). In XX/XX/XXXX, I began to receive notices from the Collection Bureau of the Hudson Valley Inc. stating the bill had not been paid. I confirmed that the bill was paid by insurance. The check was actually cashed by the time I received the first notice. Unfortunately, I am still being chased by XXXX XXXX XXXX. Today, I received a call while at work. She informed me that I was in collections, that my credit report was being affected and threatened legal action. When I stated that the bill had been paid, insurance had confirmed, that I would have my lawyer contact her, she stated " that wo n't be good for you ''. I again reiterated that the bill was paid, that XXXX XXXX s office was fully aware that I had appealed and should not have sent this to collections. I asked if my credit was being affected and she confirmed they have reported me and my credit is suffering. I told her I would have a lawyer follow up since there was no reason to continue to pursue a debt that had already been paid more than 3 months ago. I was again threatened and told I was making things worse for myself if I involved a lawyer. I asked if she had asked XXXX XXXX 's office if they had been paid and her response was " we do n't contact the creditor unless YOU pay use or give us proof the debt is paid. '' XXXX XXXX XXXX, XXXX was aware I was appealing to insurance for payment yet submitted my account to collections affecting my credit ( possibly as they were receiving a check! ). They cashed the check and did not put a stop on the collection agency. The collection agency ( Collection Bureau of the Hudson Valley, Inc. ) is chasing a debt that has been paid and refuses to check with the creditor to confirm if the debt has indeed been paid. In the meantime my credit is being affected/further threatened, I am being threatened with legal action ( thanks to XXXX XXXX ), and am cautioned against having a lawyer because " that will make things worse for you ''. I must ask for assistance from the CFPB in the meantime to address the attempts for a double payday and attacks on my credit. Please hold these 2 companies accountable!
05/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11221	Web
XXXX - Disconnected XXXX internet service in XX/XX/XXXX. Due to switching to XXXX XXXX. End date : XX/XX/XXXX. Final Bill : XX/XX/XXXX. XXXX - Notification from XXXX to return the following equipment -Network Router : XXXX -Network Router : XXXX -Cable Modem : XXXX I followed link to a pre-paid shipping label at XXXX/XXXX to ship it back. I filled out the form, printed the label, it equipment into in a cardboard box and brought it to the mail carrier XXXX - Email notification from XXXX of {$80.00} balance XXXX - Contacted XXXX to inquire about equipment charge of {$80.00} dollars. I spoke with XXXX. Call reference number : # XXXX. I informed him that I had mailed back the equipment using their own XXXX label. He checked my account and stated eventually stated that : " I am able to see that your account balance Is {$0.00} '' XXXX {$80.00} charge appeared on my checking account. Contacted XXXX to dispute the charge, Spoke with XXXX ( Call reference # XXXX ) control # XXXX. He stated that : " Oh okay, I was able to confirm from the notes on XX/XX/XXXX that the {$80.00} charge was removed '' I informed him that I was charged anyway on my debit card. He stated : " What I am going to do is sent an equipment form so we can look Into this once we look into this we will remove the {$80.00} charge and you will have that chargeback to your card ''. I asked him what equipment it was and he reported that they are missing the XXXX brand Modem. I escalate to a supervisor, who was to call me back in 24-48 business hours - but I did not receive a call, and it was impossible to reach out to the same representative. XXXX - Called back and provided call reference numbers and asked to speak with a supervisor and was told I need to wait for a callback. Did not receive any missed calls during this time from unsaved numbers, and did not receive a voicemail or anything else that would indicate a callback was made. XXXX Disputed the {$80.00} with XXXX XXXX and had the charge removed because I returned the equipment already. XXXX - Email from XXXX saying I have a statement amount of {$100.00}. I attempt to login to view the statement but I am unable to retrieve the account login without the account number on my statement. I tried to call the customer service number and hung up after an excessive wait length and I had already disputed the amount with my bank, so I gave up in frustration. XXXX The statement amount becomes {$120.00} at some point XXXX FICO score of XXXX. I'm usually somewhere between the score of XXXX XXXX - FICO score drops to XXXX XXXX - I request a copy of my credit report and found a Derogatory Remark from Collections from Optimum. XXXX - Filled dispute with XXXX XXXX Dispute completed - information updated but not resolved XXXX - Filing complaint with the Consumer Finance.
01/20/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 188XX	Web
On XX/XX/XXXX I contacted XXXX XXXX of the Hudson Valley to set up a payment payment arrangement to pay off my debt of XXXX. The woman I spoke to did not offer me any type of negotiation for the payment arrangement. I offered to make a payment of half, XXXX on XX/XX/XXXX and the remaning half the following week. She stated she would put in a request to post date the payments for XX/XX/XXXX and XXXX. NOT what I had asked for, but I agreed. I also asked for some type of documentation stating I was agreeing to make these payments or an update to the credit bureau and she said that they do not send out docs or update until the payment is made in full.XXXX My family is now sick with XXXX so I had to take off a few days of work, so I was not able to make the payment for XX/XX/XXXX. I contacted CBHV XX/XX/XXXX and the man i spoke with earlier told me that I was confusing him when I informed him that I needed to cancel the payment for XX/XX/XXXX and set up a different and smaller payment arrangement. He at first said that I could do a {$XXXX} payment and gave me the dates that we could start that. The dates that we had agreed on was {$XXXX} on XX/XX/XXXX, {$XXXX} on XX/XX/XXXX and I would have agreed to {$XXXX} XXXX and I agreed and then as soon as I agreed he changed it up and said " Ok, so I'm going to put in that you'll pay XXXX XX/XX/XXXX and then again on XXXX ''. That is NOT what I said and when I confronted him about the change, he said that I initially spoke WITH him and he was insistent that I spoke WITH him on XX/XX/XXXX and why couldnt I agree with XXXX, because thats what we agreed upon when I spoke with you last friday. I took your money, I KNOW I spoke to you. XXXX not allowed to make a payment less than {$XXXX} so thats why you need to make the XXXX payment and you cant spread these payments out for longer than what it needs to. He also insisted that no communication will be sent out for the payment agreement or anything other paperwork stating I am in an agreement. He said that I would receive paperwork before the payment I set up ( i dont remember what date now ) within XXXX weeks and then was insistent on telling me today was Saturday and that I would receive the payment agreement paperowrk by the end of XX/XX/XXXX. He also stated that my credit report wouldnt be updated until the payment was made in full, not even a paid/ontime payment notice would be sent to the bureau. and the bureaus will be contacted in XXXX XXXX so now we're talking XXXX before my credit states this is paid off. XXXX are quick to add this to my credit report though.. I was honestly shocked that he would lie and change up the terms he had given me! I also heard another woman XXXX at a customer in the background!
05/26/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 186XX	Web	Older American
In XXXX of XXXX XXXX XXXX ( at that time ) disconnected my internet access due to my bill being past due. In XXXX (? ) XXXX company changed it's name to XXXX. XXXX XXXX was contacted in XXXX with a request to send a prepaid shipping label in order to return their equipment for myself, my business, and my mother. This consisted of a basic cable modem and 2 advanced router modems. I personally put the equipment into the box, label applied, and package shipped from the XXXX drop-off location at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Once items were disconnected, internet access would have been impossible even if access was available. XXXX is well aware of this. I was unaware that the company had changed names until approximately XXXX of XXXX. In XXXX of XXXX I finally received a bill from XXXX for the amount of {$690.00} I immediately contacted the company asking them to justify the amount. Initial person I spoke with informed me that service was disconnected in XXXX but subsequently reconnected. XXXX representative stated that since no phone call was received specifically requesting for our services to be terminated, they continued to bill for months after XXXX into XXXX. I informed representative that I would pay for outstanding month ( s )? up until XXXX, I would not pay for months after their equipment was returned. The phone call was ended without resolution. Approx. 2 weeks later I received another bill for {$570.00}. I contacted the company again twice finally speaking with a supervisor. The supervisor informed me that the bill was adjusted due to my prior phonecall the company assumed (? ) that I wanted the service terminated. Supervisor informed me that I was responsible for months of XX/XX/XXXX through XX/XX/XXXX and refused to even consider any negotiation. She claimed that since I was receiving $ XXXX. through the XXXX and XXXX XXXX program, they could not disconnect my service. The funds I was receiving through the program were transferred to XXXX ( my new ISP ) on XX/XX/XXXX. The supervisor also stated that the package containing our modems was never received until XXXX of XXXX. She claimed that the package only contained the 2 advanced modems but not the basic modem. A phone call made XX/XX/XXXX to XXXX confirmed that the package was delivered intact to XXXX XXXX ( at that time ) on XX/XX/XXXX. Also, assuming that only one modem was missing from the carton as XXXX claims, why would the thief decide to take the smallest, cheapest modem? XXXX has decided to forward collection of this debt to a collection agency. This is going to detrimentally affect my previously impeccable credit score and rating. I would like XXXX to cease and desist.
03/04/2016	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	NY 12208	Web
DEMAND FOR DELETION OF MEDICAL DEBTS ON VARIOUS CREDIT REPORTS!!! As I have attached a mandate to all pertinent credit bureaus, XXXX, XXXX and XXXX XXXX respectively, the attached complaint is backed by legal statue of the Federal Trade Commission and the Consumer Financial Protection Bureau. The most destructive items that can take a person out of the credit business is medical debt. That problem has been growing for the past two decades. Collection agencies have been abusing consumer 's rights under the Fair Debt Collection Practices Act for many years. Now we consumers have a chance to redeem ourselves. The medical area has now a new mandate that must be adhered to strictly. The criteria for this mandate is as follows : 1 ) A medical supplier, if owed for services rendered must submit to the consumer 's medical insurer. If there is an issue over payment, the medical issuer can not submit a fee invoice to any collection agency for a period of six months after the initial 30-day invoice period. 2 ) If the insurance does not pay the claim, or if the claim was partially paid, the medical issuer can submit the non-payment balance to a medical collection company. However, this collection agency must give a 180-day notice that if the matter is not resolved or settled within that 180-day timeline, then they can place the collection on any pertinent credit bureau, i.e. XXXX, XXXX and XXXX XXXX respectively. 3 ) In essence, American consumers now have approximately 210 days from service to payment before the medical industry can go back into the destructive mode they have used for years. Non adherence to these rules, no matter what medical collection agency are now subject to serious fines and/or sanctions for the violation of this Federal Trade Commission mandate. All credit bureaus have agreed to abide by the Federal Trade Commission/Consumer Financial Protection Bureau mandate. Accordingly, I demand the attached medical collection agency remove all aspects of a collection against me with all credit reporting agencies, mail to me a demand letter for payment or an offer of settlement. I will go back to my insurance carrier for an immediate review of all claims, and if the claim can not be 100 % satisfied by said insurer, then I will make the necessary payment arrangements in full or upon any agreed upon settlement. The credit reporting item nonetheless must be removed immediately and a new timeline 180-day count must begin on the date a demand letter is mailed to me at my residence.
09/08/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	KS 66605	Web
On XX/XX/20 I received an alert through XXXX XXXX that there was a change to my XXXX credit report. I pulled my XXXX credit report on XX/XX/20. There was a collection from Collection Bureau of Hudson Valley Inc, XXXX XXXX XXXX, XXXX, NY XXXX, stating the original creditor is XXXX. Prior to the credit alert from XXXX XXXX and prior to the discovery of this fraudulent account with Collection Bureau Hudson Valley ( CBHV ), I did not receive any correspondence from CBHV advising me of my statutory rights prescribed by the FDCPA. Specifically, CBHV deprived me of any and all rights under 809 of the FDCPA. As prescribed by the FDCPA, I am entitled to, at minimum, 3 basic & separate components : ( 1 ) Right to notice of the alleged debt, ( 2 ) Right to contest the alleged debt, ( 3 ) Right to verify the alleged debt. CBHV 's act of furnishing ( derogatory ) information to Equifax, without the required notifications and in compliance prescribed by 809 of the FDCPA, not only violates the FDCPA but violates various sections of the FCRA. Prior to reporting this fraudulent debt to my XXXX credit file, CBHV had ample time to notify me under the requirements of the FDCPA. CBHV acquired my location information through XXXX on XX/XX/20 via the inquiry listed on my XXXX Credit Report. The derogatory, fraudulent, and inaccurate information that was provided to XXXX on XX/XX/20 states that CBHV was assigned this file on XX/XX/20. In addition, the derogatory information from CBHV that was placed on my credit report was a result of identity theft. Therefore, as an identity theft victim, and all the rights afforded to me, I sent Equifax a XXXX letter requiring them to block this fraudulent information within 4 days of receipt. Furthermore, on XX/XX/20 CBHV was in receipt of correspondence from me dated XX/XX/20, that the derogatory information they supplied to my XXXX credit report is the result of identity theft. On XX/XX/20 I received a letter from CBHV that was addressed to my current address. CBHV addressed the letter to me in response to my ID theft letter, but they addressed the letter to me as " XXXX XXXX '' Please note, the name " XXXX XXXX '' is NOT a name variation that I use. I feel that CBHV knowingly, willfully, and intentially engaged in prohibited conduct by attempting to collect an alleged and fraudulent debt by reporting a derogatory account to Equifax, without first sending any required statutory notices or correspondence, required by 809 of the FDCPA.
05/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MO 64836	Web
Collection Bureau of Hudson Valley Inc, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Ph : ( XXXX ) XXXXDebt : XXXX XXXX - XXXX $ XXXXI had XXXX and paid final bill upon returning equipment on XX/XX/XXXX. I moved to XXXX on XX/XX/XXXX. In XX/XX/XXXX, I found a collection being reported by above collector. In XX/XX/XXXX, I ask for validation and deletion during this validation as I never received a XXXX day notice of collection before submitting it to credit bureaus under FCRA. They apparently sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I had been living in XXXX for over a year at this point and my current address as that time and now was on my credit file in XX/XX/XXXX. Collection Bureau of Hudson Valley pulled an XXXX Credit report on XX/XX/XXXX to obtain information such as my address. They failed to send a XXXX day notice of collection activity to me at my current address on file on XXXX XX/XX/XXXX so I could validate the debt and pay it if it was a true debt before it got reported to my credit bureaus. I notified them in writing of validation after finding it on my credit file XX/XX/XXXX asking them to delete the collection action from my credit file and allow me to validate the debt as well as pay it if it was legitimate. They stated they validated the debt but I still never received this validation and they continued to report it to the credit bureaus after acknowledging they sent the XXXX day notice letter to the wrong address. I was never given a chance to validate and/or pay this debt if legitimate without a XXXX day letter, which they did not provide. It is still be reported on my credit bureaus and they refuse to delete until debt can be validated. According to the FCRA, a debt must be reported at last reported payment delinquency since it falls off credit file 7 years from that date, however Collection Bureau is violating my federal rights and the law by not providing me a XXXX day notice of collection activity before reporting it to the credit bureaus and they are violating the law by stating the delinquency is the date they received it in XXXX, not the last reported payment to XXXX in XX/XX/XXXX. I would like to have the item deleted from my credit file and a given a proper XXXX day notice to validate the debt so that I may pay it if the debt is legitimate.
08/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11207	Web	Older American
After finding out that XXXX had been charging me for cable for almost two years I went into the XXXX store on XXXX XXXX to dispute the bill on more than one occasion. After speaking to a representative there they took a closer look into my account and saw where I had turned in the boxes in XXXX. However, they showed me that someone employed by XXXX had turned the cable service back on without my permission or authority to do so. As time went by I began to get calls from the attorney representing XXXX on or around XX/XX/2022. I told the attorney that I hadn't had cable for close to two years. He began to read to me that he seen where I terminated the service but it was resumed. I told him I never ask for cable because I have XXXX XXXX on all the T.V. 's in my apartment. So he had to further look into the descrepancy and we were in constant contact with each other via telephone. In XX/XX/2022 he and I had our last conversation but I had already decided to take XXXX to court for breach of contract. XXXX obviously decided to give the account to a collection agency after being served with court documentation for the suit. Now this collection agency Collection Bureau Hudson Valley took the account on or around XX/XX/2022. After checking my credit with XXXX I noticed they appeared on my credit report. I immediately sent court documentation in which XXXX and I were to appear in XXXX on XX/XX/2022, where the case was dismissed in my favor. Therefore, after reviewing my credit report on XXXX I disputed this on my credit report because the case was dismissed in its entirety and closed. I sent court documentation to XXXX to dispute this collection agency being owed any money from me at all. Now, this collection agency refuses to remove the collection from my credit report and the courts never stated to me that I owe any money to any other entity connected with XXXX at all. Therefore, if anyone owes any money to Collection Bureau Hudson Valley it's XXXX who gave them the account after being served to appear in court for " breach of contract ''. I want the collection agency to remove this negative status from my credit report immediately. Any money they believe they are owed should be billed to XXXX. The court closed this case completely and any debts XXXX felt they were owed from me.
02/03/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11218	Web
hello, back on XX/XX/XXXX, I ran a credit check on my credit score and realized that a credit agency had placed a collection on my credit for XXXX The following days I called the collection agency, Collection Bureau Hudson Valley , Inc, and inquired on the charge which they stayed it was from a past-due bill from XXXX that was for XXXX for equipment and XXXX for past due service. I asked the agent to provide me with a bill explaining the charges, to which the agent replied " you would have to call XXXX and request the bill from them ''. I called XXXX and requested the bill which they stated the bill could not be provided to me because it was an old bill and to request from the collection agency because they have a record of it. On XX/XX/XXXX, I went to XXXX and returned the equipment, and requested from them the bill that determined I owed them XXXX. The agent had a difficult time coming to the final calculation but provided me with the XXXX last bill statements that showed a final balance of XXXX as of XX/XX/XXXX. The bill for XX/XX/XXXX, showed XXXX, and the bill for XX/XX/XXXX, showed XXXX. The agent said the equipment was for XXXX which was cleared because I was returning the equipment which brought me back to the XXXX. I asked how did the bill get to XXXX, which she stated she was not sure and believed I got a credit. I left XXXX without a clear understanding of how I still owed XXXX. On XX/XX/XXXX, I received a notification from XXXX XXXX saying my credit went up and that the collection agency had taken out the collection. I called the collection agency for proof of the bill being wiped out, and they stated that it was not wiped out but instead sent back to XXXX. I called XXXX and asked for proof of the bill again, and they stated that I still owe the XXXX which I asked for an explanation of XXXX which I was on phone for about an hour and at the end of the call lady, was not able to explain the XXXX just saying I received a credit for something that she didn't understand the code of. I asked for a bill showing the final XXXX and she said she could not provide me with a bill because the bill is too old. I still have not been able to see a ledger showing that I owe XXXX other than them, XXXX and Collection Bureau Hudson Valley , Inc, telling me I do.
11/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 12603	Web
For the winter of XXXX, I purchased my home heating oil from XXXX. I was on a monthly billing payment of {$290.00} I terminated my business with them in the spring of XXXX ; at that time I was credited back {$290.00} for an automatic payment that had already been made. Shortly thereafter, I received a bill from XXXX indicating that I had a balance of {$290.00}. I contacted XXXX and indicated that I did not believe that I owed them any money, and requested that they send me a detailed accout of my purchases and payments for the XXXX season ; this information was never received. Within approximately two ( 2 ) weeks, I recieved a demand for payment, in the amount of {$290.00}, plus an {$88.00} fee, from the collection bureau of the hudson valley. I again contacted XXXX in XXXX and again requested a detailed accounting ; again I did not receive anything. I then received, from the collection bureau of the hudson valley ( cbhv ), a demand for payment in the amount of {$680.00}! I spoke with XXXX at CBHV, indicated the discrepency between the alleged amount due from XXXX and the {$680.00}, and I again asked for a detailed accounting of my account. I received from XXXX a listing of payments, credits and oil deliveries for XXXX only ; I did not receive an accounting for the entire heating season. I contacted XXXX and indicated that what was sent to me from XXXX was incomplete. In addition, while still disputing the amount of {$290.00} that XXXX originally billed me, I asked him to explain why a final demand of payment from XXXX of {$290.00} was now {$680.00} ; XXXX could not explain this discrepency. I informed XXXX that I was again requesting a detailed accounting of my account with XXXX from XX/XX/XXXX through the end of my relationship with XXXX in the spring of XXXX. I further informed XXXX that if I did not receive such information within two ( 2 ) weeks, I would pursue my complaint. To summarize, I am disputing any amount due to XXXX, whether {$290.00} or {$680.00} until such time that I receive adequate documentation that I in fact owe any money. It is also my impression, which I shared with XXXX, that I believe CBHV knowlingly, and with malice, intentionally increased the alleged amount due from {$290.00} to {$680.00}
01/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33055	Web
Just recently, upon checking my credit reports, I found thatXX/XX/XXXXhas yet again placed a fraudulent collections account on my record under both names XX/XX/XXXXand Collection Bureau of the Hudson Valley. ( same account XXXX Original complaint number XXXX. - Submitted to the CFPB on XX/XX/XXXX I originally submitted a complaint on XX/XX/XXXX regarding this same exact account, ( complaint number above ) at that time XXXX had a company called XXXX XXXX XXXX reach out to me regarding this collections. At that time, I was told by XXXX XXXX XXXX that I would need to reach out to XXXX directly to try and solve this issue. As stated in my previous complaint regarding this company ( complaint # XXXX XXXX " I called and spoke with customer service on XX/XX/XXXX and was told in order to prove my identity and have the collections removed, i would need to submit proof of my address during the month of XX/XX/XXXX. The same day I spoke with the representative in the collections department at XX/XX/XXXX I submitted the proof via the email I was given, i submitted my ID, along with my bank statement and my auto loan statements, although that was not required. " I called the morning of XX/XX/XXXX and spoke with a customer service rep in the same collections department who confirmed that the information had been received. THIS NEEDS TO BE REMOVED NOW! THE DEBT DOES NOT BELONG TO ME AND THAT HAS BEEN PROVEN After submitting my initial complaint on XX/XX/XXXX, I got a response from XXXX XXXX XXXX stating that had reached out to optimum and were unsuccessful at getting any Information regarding the account therefore they were ceasing all collection activity and the account was removed, as it should've. This account has reappeared on my credit reports. Ive already sent in the information requested to optimum in order to verify my address as requested so I will not be providing any more Information to this company. Please remove this now! Its bad enough we are in the middle of one of the worst pandemics in American history, but to try and take advantage of people during this time is seriously sickening.
05/22/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 275XX	Web	Servicemember
The original complaint was submitted back on XX/XX/XXXX when XXXX tried to bill me for equipment that was returned on XX/XX/XXXX and the case was closed by CFPB and the collection agency, XXXX XXXX XXXX XXXX XXXX, then. The original case number was XXXX. This has turned into predatory practices. The details, dates, amounts, etc related to the case are as follows : I placed an order to terminate service on XX/XX/XXXX. We sold our house and our closing date was XX/XX/XXXX. Unfortunately, the cable company equipment was packed by the movers, but I called the cable company to let them know that I would return the equipment as soon as our goods were delivered to the new house. This was done on XXXX. I boxed everything up and they received it all on XX/XX/XXXX. The XXXX tracking number of the shipping label the company sent me was xxxx xxxx xxxx. The monthly bill was usually due on the XXXX of each month and was typically {$200.00}. I would see being responsible for the difference covering the XXXX through the XXXX of XXXX, but no more. A couple of days ago I received a collection letter for {$300.00} from XXXX for supposed equipment charges. This is incorrect and should be made right by the company immediately. I have made 10-15 attempts to speak with someone at the company without success. I even spoke with the collections agency, who has no historical background on the debt, and they gave me another number to call. No luck either. Important Dates : XX/XX/XXXX - new statement for {$200.00} XX/XX/XXXX - new statement for {$740.00}, which included a new charge of {$530.00} for equipment. In the same statement they show a credit of ( - {$190.00} ) for partial monthly activity. XX/XX/XXXX - new ( and last statement ) for {$300.00}, which shows a credit of ( - {$440.00} ) as equipment credit. As you can see the math does not add up. Also, they never called my cell phone, which the account was under and I still have of course. Lastly, I have all the statements and receipts referenced above. Any assistance is more than welcome. Thank you so very much!
10/11/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MO 645XX	Web
In lateXX/XX/XXXXwe received a call from a collection agency regarding a debt with XXXX XXXX. I agreed to pay what I was certain was owed, but XXXX was alleging that we had equipment that had not been returned and that we owed for a month of service that we did not use and had asked them to disconnect our service. I submitted a written dispute to said collection agency outlining my issues with the alleged debt. The collection agency sent a letter within 30 days saying they had investigated the issue and were closing their file. I did not retain that letter, as I assumed this was the last I 'd hear of it. Today ( XX/XX/XXXX ), another collection agency ( Collection Bureau of the Hudson Valley ) contacted my husband regarding this same debt with XXXX. My husband 's name and phone number were NEVER on the account with XXXX. They discussed the account with my husband and again, they alleged to him that we owed a balance and still had equipment that was the property of XXXX. I then contacted Collection Bureau of the Hudson Valley and relayed my previous interaction with the first collection agency. They suggested I contact XXXX directly to have them close my account, as they could n't contact XXXX to discuss my account. I contacted XXXX and requested they close my account, and they confirmed that we did not have any of their equipment, and still attempted to collect funds even after I told them I had already disputed the debt. They claimed they had no information on a dispute from the first collection agency, to which I suggested they contact their contracted agency to obtain that information. I believe continuing to attempt to collect this debt after a valid, investigated dispute is in violation of the Fair Debt Collection Practices Act. I also believe contacting my husband - who was NOT listed on the account with XXXX - and discussing the alleged debt with him is also in violation of the Fair Debt Collection Practices Act. I 'd like this type of harassment and violations to STOP.
08/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08638	Web	Servicemember
After I relocated, XXXX XXXX contended I owed them a final bill, and sold the debt to Collection Bureau of Hudson Valley. I was never sent a final bill by XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to collect the debt which was sold to them by XXXX. They called my mobile phone repeatedly, and refused to furnish proof of the debt when asked multiple times. Instead of providing evidence or documentation, they pressed me for my checking account information so they could perform an ACH withdrawal to cover amount of the debt. They recently obtained my home phone number and repeatedly called me even after I requested they cease calling me because they would not provide any documented proof of the debt. Representatives of this company would not send me any documentation including a bill, letter, or payment coupon. At this point, the only way I knew the amount of the debt was when it was reported it to the credit bureau - they still however failed to provide sufficient evidence to prove I was accountable for the debt. They have since caused my credit score to drop, and I was denied an education loan because the " delinquency '' was too recent. I called XXXX, and the manager was unable to disclose details and further discuss the matter as they explained the debt was being handled by an external agency. They also could not furnish proof that the debt was still owed. I was advised to call the Collection Bureau of Hudson Valley, and once again they wanted to access to my checking account without furnishing prof of an actual debt. In late XXXX 2017, I filed a dispute with the credit bureau to resolve or at least obtain documented proof of the debt, and I was advised by XXXX that the debt was valid and could not be disputed, once again no actual documentation was furnished. I asked for documented proof of the debt so that I could confirm it was my debt, and once confirmed to pay the debt. This has been ongoing for 7 months. Can someone assist?
02/19/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 754XX	Web
Acct : XXXX XXXX account nubmer : XXXX I have contacted XXXX numerous times about the amount I own them and this still have not been resolved and has not been turned over to a collection agency. I had their internet service a total of 5 days, at the time of installation, the tech only installed internet service, I subscribe for TV service as well, the tech told me he didn't have the boxes for tv service. So I called XXXX and they said the only time they could come out to install the TV service was 2 weeks later. I then called XXXX XXXX XXXX and they were out 2 days later to install my internet service, that same day I called XXXX and canceled my internet service and canceled the TV service install, I shipped back the internet modem and wifi extender to their corporate office. I then contacted XXXX several more times because in the system it showed I still had TV service, I asked them about this and they said the bill would be corrected with the 1st bill. When I got the bill it was still showing {$120.00}, I think called XXXX back and they kept telling me they could not help me because I was disconnected for non-pay, I explained to them I couldn't be disconnected for non-pay because I canceled the service 5 days after, only the internet was installed. A supervisor called me back and I went over me only having internet service install and that the TV service was never installed, as well as if I had had TV service installed there should be Serial numbers of the boxes in their system, which they do not have in their system, yet I'll say this once again I've never had their TV service. I have never received a corrected bull which XXXX said I would get, instead I get the collection notice from cfpb. I will not pay for something I never received, all of my interaction should be recored in the notes and on a recored line with XXXX. If anything I own for at best a month of internet service which should be anymore then {$30.00} or {$40.00}.
06/16/2015	Yes	Debt collection Medical	Taking/threatening an illegal action Threatened to sue on too old debt	NY 124XX	Web	Older American
On XX/XX/XXXX, my father, a physically XXXX XXXX year old man with XXXX to his private residence by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX. XXXX denied payment for this service, although they had covered XXXX on several prior occasions. On XX/XX/XXXX, we appealed the XXXX decision. On XX/XX/XXXX XXXX denied our appeal, but determined that XXXX XXXX XXXX XXXX was responsible for the charges. In the meantime, XXXX XXXX XXXX XXXX had referred this account to the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX. I informed all parties of the XXXX decision and that my father was not responsible for the charges. XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX XXXX contacted me and asked me to file a XXXX appeal as their client, XXXX XXXX XXXX XXXX, could not. This was a lie ; XXXX has since informed me that XXXX XXXX XXXX XXXX could have filed *and possibly did file XXXX their own appeal. Certainly, XXXX XXXX was aware of this. Not knowing this and assuming XXXX XXXX was being honest, I filed a XXXX appeal with XXXX on XX/XX/XXXX. While awaiting the results of the XXXX appeal, XXXX XXXX XXXX XXXX sent my father a letter threatening to take him to court. XXXX informed us in a letter XX/XX/XXXX, that not only were they denying the appeal, but they reversed their earlier decision and my father is now liable for the charges. I had no idea that the appeal could result in a worse decision, although I am quite certain that XXXX XXXX, as a collections professional, did. XXXX says we should not have filed the XXXX appeal and that our only option is to either pay or go before an administrative law judge. I believe XXXX XXXX knowingly gave me false information and took advantage of my willingness to help to get me to file a XXXX appeal. This is highly unethical behavior. Preying on XXXX and their families must be the most despicable behavior possible.
06/15/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07109	Web
CBHV Reference # XXXX is reporting inaccurate information to the credit reporting agencies I have reached out numerous times through certified mail to this company to resolve this issue. I demand proof of this alleged debt specifically the physical contract bearing my signature, according to 15 USC 1692g ( b ), a debt collector shall send the consumer a written notice containing, amount of debt is owed to, and verification of the debt or copy of a judgement, according to Black 's Law Dictionary Verification Means : Confirmation of correctness, truth, authenticity, by affidavit, oath, or deposition. CBHV has not provided physical evidential documentation regarding this debt, but they have verbally communicated to the collection agencies the alleged debt is verified without providing evidence of the debt, amount owed, the original contract bearing my signature, I have no account with this company, nor am I or have ever been a customer, nor have I entered a contract with this company. Regarding my demand for proof, you have not supplied the demanded proof of the alleged debt, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. According to 15 USC 1692 ( a ) Congressional findings : you have violated me by invading on my privacy, for one having my personal information without my consent and furnishing information to third party agencies buying and reselling my information without my consent. If this reported information to the credit agencies is not removed a Lawsuit will be brought against your company. Further, because of the nature of these violation your company have committed against me, I'm asking for XXXX per violation. This is for your company causing distress, many missed nights of sleep and headaches. This letter is to serve as a formal complaint with the CFPB, FTC, Attorney General and the XXXX
09/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08638	Web	Servicemember
On X/X/17 I filed a complaint against the Collection Bureau of the Hudson Valley for failing to provide adequate verification of a debt. The company 's response was that they would provide this information. As expected, I have not received any mail from this agency - yet this unpaid bill sits on my credit. Below is their previous response - " X/XX/17 We mailed this consumer letters on XX/XX/17 and XX/XX/17. On XX/XX/17, a collector asked to verify the consumers current address. The consumer stated the address we had on file was a previous address but the consumer did not want to update her new address because her mail was being forwarded. I updated the address on this account to match the address listed in this complaint and have requested a copy of the itemized bill from our client. Once this information is received we will mail a copy to the consumer at the address listed on this complaint. We will cease all phone calls to the consumer regarding this account as per the consumers request in this complaint. This account is being reported to the credit bureaus as disputed. '' As I have not received the bill from the original creditor, or have I received a bill from CBHV, this remains an outstanding issue that will remain in dispute. The only change is CBHV is not calling me, but this company is allowing me no recourse or remedy in resolving this issue. Reminder, I also contacted XXXX and spoke with a supervisor. This person advised they could not provide any information because the issue was being handled by CBHV. This person referred me back to the agency. When I advised the supervisor of how this was handled and asked how I could confirm and pay the debt if it was valid, they stated I could only get information from CBHV. Again, this leaves me no remedy.
11/22/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 077XX	Web	Older American
I have contacted the CFPB on the same attempt from another collectiron agency and at that time you were able to resolve the issue and you closed your case as the XXXX agree to remove the item from my credit report. Today, XX/XX/21 I received the request for the same amount {$230.00} purportedly from another collection agency. I immediately contacted the agency the same day first spoke to XXXX XXXX that abruptly closed the phone call as soon as she found out I was calling to dispute the amount being requested. I called back and this time a certain XXXX answered my call I told him the the correct amount should be {$79.00} not {$230.00}, XXXX did not even made an attempt to understand my request immediately forcefully requested that I pay the full amount. Stating ; " THIS AMOUNT IS ALREADY UNDER COLLECTION IN XXXX CREDIT REPORT ''. I drew his attention to to their letter that states : Unless you notify this office within 30 days after receiving this notice that you disputed the validity of this debt, or any portion thereof, this office will assume this debt is valid ''. It is clear that this agency does not even make an attempt to get feed back from the consumer prior to proceeding to report a debt on the credit report. My XXXX XXXX went down from XXXX to XXXX and I assume it will go down ever further once all agencies capture this collection attempt. You can see how much damage these agencies can cause to a consumer. Obviously these type of entities, that engage in debt collection, despite the efforts of the CFPB continue, without any controls, to engage in very Unfair Deceptive Acts and Practices. I informed XXXX of my intention to contact the CFPB on this matter he did not seem much concerned seems the only concern they have is to abuse consumers.
11/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 080XX	Web
I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. XXXX is violating my federally protected rights per 15 USC 1681 by reporting inaccurate incomplete and fraudulent information to my credit report that is being furnished by unauthorized and predatory 3rd party companies. I have been disputing these accounts as fraud since XX/XX/XXXX. I have yet as of XX/XX/XXXX received any proof of permissible purpose for reporting these fraudulent accounts. Every time I write to or call XXXX they claim information being reported has been validated but I have yet to receive any documentary evidence that supports the permissible purpose of this information being reported or furnished on my XXXX credit report which not only violates the FCRA but also the FDCPA per 15 USC 1692. If the companies furnishing these accounts to XXXX are not able to provide debt validation or proof that they are the original holder of the note of indebtedness that legally allows them to still be able to collect or retain the debt, then the accounts shall be deleted immediately. XXXX seems to lack impartiality as they have been claiming for over a year that these debts have been validated without permissible purpose or evidence because they are gaining financially from these unauthorized third-party companies who pay XXXX to report fraudulent consumer credit transaction history. Please see attached notarized identity theft complaint and affidavit, identification documents such as NJ issued driver 's license and my current insurance bill, as well as all police reports, FTC identity theft and fraud complaints, and CFPB complaints that have been received by XXXX and all unauthorized 3rd parties listed in the notarized affidavit and complaint.
11/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 080XX	Web
I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. XXXX is violating my federally protected rights per 15 USC 1681 by reporting inaccurate incomplete and fraudulent information to my credit report that is being furnished by unauthorized and predatory 3rd party companies. I have been disputing these accounts as fraud since XX/XX/XXXX. I have yet as of XX/XX/XXXX received any proof of permissible purpose for reporting these fraudulent accounts. Every time I write to or call XXXX they claim information being reported has been validated but I have yet to receive any documentary evidence that supports the permissible purpose of this information being reported or furnished on my XXXX credit report which not only violates the FCRA but also the FDCPA per 15 USC 1692. If the companies furnishing these accounts to XXXX are not able to provide debt validation or proof that they are the original holder of the note of indebtedness that legally allows them to still be able to collect or retain the debt, then the accounts shall be deleted immediately. XXXX seems to lack impartiality as they have been claiming for over a year that these debts have been validated without permissible purpose or evidence because they are gaining financially from these unauthorized third-party companies who pay XXXX to report fraudulent consumer credit transaction history. Please see attached notarized identity theft complaint and affidavit, identification documents such as NJ issued driver 's license and my current insurance bill, as well as all police reports, FTC identity theft and fraud complaints, and CFPB complaints that have been received by XXXX and all unauthorized 3rd parties listed in the notarized affidavit and complaint.
11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 080XX	Web
I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. XXXX is violating my federally protected rights per 15 USC 1681 by reporting inaccurate incomplete and fraudulent information to my credit report that is being furnished by unauthorized and predatory XXXX party companies. I have been disputing these accounts as fraud since XX/XX/XXXX. I have yet as of XX/XX/XXXX received any proof as permissible purpose of reporting these fraudulent accounts. Every time I write to or call XXXX they claim information being reported has been validated but I have yet to receive any documentary evidence that supports the permissible purpose of this information being reported or furnished on my XXXX credit report which not only violates the FCRA but also the FDCPA per 15 USC 1692. If the companies furnishing these accounts to XXXX are not able to provide debt validation or proof that they are the original holder of the note of indebtedness that legally allows them to still be able to collect or retain the debt, then the accounts shall be deleted immediately. XXXX seems to lack impartiality as they have been claiming for over a year that these debts have been validated without permissible purpose or evidence because they are gaining financially from these unauthorized third-party companies who pay XXXX to report fraudulent consumer credit transaction history. Please see attached notarized identity theft complaint and affidavit, identification documents such as XXXX issued drivers license and my current insurance bill, as well as all police reports, FTC identity theft and fraud complaints, and CFPB complaints that have been received by XXXX and all unauthorized 3rd parties listed in the notarized affidavit and complaint.
02/27/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ XXXXX	Web
On XX/XX/2020 I mailed off a " Request for Validation, Not Verification '' letter to " Collection Bureau Hudson Valley '' ( CBHV ). The company received my letter on XX/XX/2020 and someone from the company signed for it. With my letter I provided my name, address, and account number to help the company look up my account. Also, within the letter I was giving the company 30 days to provide me proof. I know that the debt collector has 30 days to respond to the debt validation. What I was asking for is proof that I actually owe the debt. As well as proof that they have the legal right to collect the debt. They must also prove that they are licensed to collect debts in my state. Also, they need to provide the original contract I signed with the original creditor, or at least credit card receipts that I signed. Within the 30 days I did receive a response from CBHV but it was just a billing statement, nothing that I asked for in my first letter to them. I responded back with another letter asking them again to validate my debt under the Fair Debt Collection Practices Act. They did not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. The documentation CBHV provided in no way provides sufficient verification of the debt. I was expecting to hear back from CBHV to have this account removed from my credit report but I haven't heard anything back. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court.
02/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10469	Web
I switched from XXXX to XXXX on XXXX XXXX, XXXX. I called XXXX the same day to cut off services and asked for a final bill. I was told I owed {$33.00} and received and paid this amount ( see Final Account Invoice attached from XXXX ). In late XX/XX/XXXX, I started to receive invoices from XXXX. I noticed recently that the account number had different last four digits. I made XXXX billing agent ( XXXX ) aware of this yesterday ( XXXX XXXX, XXXX ). In XX/XX/XXXX, I spoke with an XXXX agent ( can not recall name ) and was told I do not have a balance, that the bills get generated before my account was updated. In XX/XX/XXXX, I received another invoice from XXXX with a different amount that noted {$13.00} credit. I called XXXX billing on the XXXX XXXX and the agent was unprofessional and rude, and told me I needed to pay as my service was through the XXXX XXXX, XXXX, although she confirmed that I cut off my service on the XXXX XXXX, XXXX. I called again on the XXXX XXXX and XXXX billing agent ( XXXX ) reviewed my account, told me that everything was in order, my final payment of {$33.00} was received and that I owed XXXX nothing. On the XXXX XXXX, XXXX, I received a call and caller said she was from a collection agent and I owed a debt. I explained to her that I did not owe any monies to XXXX, and told her it seemed like fraud and an insider in XXXX. She hung up the phone on me. A few days later, I received a letter from Collection Bureau of the Hudson Valley , Inc . I did not call the phone numbers listed. The Account number listed for XXXX is not the account number on my prior XXXX invoices.
11/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 080XX	Web
This is not a refusal to pay an alleged debt! Collection Bureau of Hudson Valley claims that I am obligated to pay them an alleged debt. Collection Bureau of Hudson Valley shall provide me with the original instrument of indebtedness ( signed contract ) or proof that it still exists. If Collection Bureau of Hudson Valley can not provide the original instrument or proof that it still exists, then Collection Bureau of Hudson Valley shall send me an original statement affirming that Collection Bureau of Hudson Valley did not sell the original instrument because if Collection Bureau of Hudson Valley didn't sell the original signed instrument of indebtedness ; then Collection Bureau of Hudson Valley should be able to produce the original instrument or note. Only the holder has the right to collect on an instrument and an instrument is not a typed or printed statement or payment history that lacks a signatory. I will pay the alleged debt when Collection Bureau of Hudson Valley produces original instrument or proof that it has not been sold that proves that I am obligated to pay Collection Bureau of Hudson Valley. Also please produce the trilateral contract between me ( consumer ), optimum, and Collection Bureau of the Hudson Valley that shows I agreed to do business with Collection Bureau of the Hudson Valley along with Optimum or on behalf of optimum. Truth in Lending Act as well as the freedom of information act says I am obligated to have proof of the original instrument of indebtedness. Again, this is not a refusal to pay but instead I am exercising my federally protected rights as a consumer!
06/18/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80130	Web	Servicemember
I am a former customer of XXXX XXXX, subsidy of XXXX XXXX. I purchased internet service from XXXX and leased a modem from the company. I disconnected the service XX/XX/XXXX ; paid the final bill ; and returned the company modem to XXXX 's XXXX, Texas location as directed by the company. XX/XX/XXXX I received a bill from XXXX regarding a balance due of {$82.00} for the 'unreturned ' modem equipment. I responded by advising my account is paid in full and the equipment was returned to the company as directed by the company and provided proof of delivery to and receipt by the company in the XXXX, Texas location. Later in XX/XX/XXXX, I received a collection letter for the account balance from XXXX XXXX XXXX. I responded to the collection agency with the same information I provided to XXXX including copies of the proof of equipment return. Although I requested written confirmation of my statement and more importantly, removal of the negative information falsely reported to the credit reporting agencies and codified on my report ; I did not receive any confirmation from XXXX nor their collection agency and presumed the matter closed. XX/XX/XXXX I received a new collection letter from a different collection agency demanding the same amount for the same reason. I have responded to the collection agency with the same information and proof false claims made by XXXX. XXXX XXXX dba XXXX XXXX has filed two false and fraudulent claims against me. Research has concluded that this fraudulent practice is very commonplace by the company and my complaint is far from being a lone complaint.
03/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NY 11211	Web
i recently applied for a mortgage but there were two outstanding credit collection items both related an accident. I XXXX my XXXX due to slip on wet marble floor XXXX XXXXI was taken the XXXX by an XXXX company. The XXXX company billed my insurance over {$1000.00} but my deductible was {$400.00}. I was not aware there was a balance. The ride to the XXXX was less then 10 blocks. Had I known i would have walked to the XXXX myself. In addition, my gym continued to charge me despite not going for months due to a XXXX XXXX. They renewed the service despite that i was not attending. I closed my credit card to stop the gym charges but they tried to continue to collect fees. I am now forced to pay for these extortion fees to clean up my credit for services not rendered and overcharges by the private XXXX service company. CBHV Collection Agency # XXXX XXXX # XXXX XXXX XXXX Amount {$400.00} representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX AM tele XXXX XXXX XXXX Service performed XX/XX/XXXX XXXX XXXX XXXX # XXXX Tele XXXX XXXX XXXX Amount {$78.00} representative XXXX Gym services for : XXXX XX/XX/XXXX Please note i had not gone to the gym since XX/XX/XXXX because my XXXX was XXXX and was in a XXXX. They charged me for months of services despite i had asked them to stop charging. i paid the charges to end this from being reported past due but the taint will continue to be reported as late bill. It is wrong that i have pay for these illegal fees. My contact : XXXX XXXX tele XXXX XXXX XXXX birth date XX/XX/XXXX
03/29/2020	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NY 12401	Web	Servicemember
I was forced to use XXXX on three different occasions. On one trip, I was forced to take the even though it was only a 5 minute ride to another campus of the hospital and I had someone there to drive me. Another time, I was charged over {$3000.00} for a ride to another hospital when I didn't request it. It's not my fault that XXXX hospital was full and they had to transfer me. Why should I pay for that? I'm a XXXX Vet with XXXX issues and expected to go to the hospital in my city for these emergencies. I had insurance during this time and these bills were paid by my insurance company. This company is scamming the system and overbilled, charged waaayyy more than necessary, and never even contacted me by phone or let me know it was going to collections. I never received any collection letters or calls. Only invoices. It went from service on XX/XX/XXXX to NEGATIVE REPORTING ON CREDIT REPORTS ON XX/XX/XXXX with no warning in between. I have been on XXXX for my issues, so clearly I don't have the thousands of dollars they are requesting. Also, now I am sick with XXXX and was about to apply for a loan to take care of my family when I see that they put THREE collections on my credit reports during a time when the governor requested a moratorium on such actions from XX/XX/XXXX-XX/XX/XXXX + maybe longer. They were so spiteful, they put it on my credit reports in the middle of a crisis, on XX/XX/XXXX. I want the negative info. removed from ALL of my credit reports ASAP or I will be seeing a lawyer.
07/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94118	Web
On XX/XX/2020, I received a notice from the Collection Bureau of the Hudson Valley , Inc. ( " CBHV '' ) attempting to collect debt of {$1200.00} from " XXXX XXXX, '' on behalf of creditor XXXX, which, based on an internet search, appears to be a telecoms company based in the New York Tri-State area. I, obviously, am not " XXXX XXXX '' ; I have never lived in the New York Tri-State area ; and I have never engaged in any transaction with XXXX. CBHV is attempting to collect a debt from me which is not mine. Upon receipt of the notice from CBHV on XX/XX/XXXX, I immediately mailed CBHV a letter stating that the debt does not belong to me, and demanding that they provide any supporting documentation supporting their claim or else cease their collections effort. I mailed that letter on XX/XX/2020 to the address listed in the notice I received ( XXXX XXXX XXXX, XXXX NY XXXX ). Admittedly, I made the mistake of mailing it through USPS standard mail instead of certified mail. Since mailing the demand letter to CBHV on XX/XX/XXXX, I have not received any response from CBHV -- they have not provided any supporting documentation proving that the debt is mine. Today, XX/XX/2020, I received notice from XXXX that CBHV has filed a report of a collections action against my credit account. CBHV has failed to respond to my demand letter within 30 days and continued its collections action, both in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ).
07/16/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NY 105XX	Web
On XX/XX/XXXX I had a XXXX procedure performed by XXXX XXXX XXXX XXXX XXXX XXXX. Before the procedure, I was given a price for XXXX of {$800.00} and {$470.00} for anesthesia. ( please see attachments # XXXX ) In XX/XX/XXXX I discover a collection on my credit report for {$2200.00} posted by Collection Bureau of Hudson Valley, with original creditor XXXX XXXX XXXX, however, I have never received any collection letters from them before. On XX/XX/XXXX I sent a request to the collection agency ( Collection Bureau of Hudson Valley ) with a request to validate my debt. On XX/XX/XXXX I received an answer from a collection agency stating that they are in receipt of my dispute along with account ledger from the original creditor. They had failed to provide me with any copy of any documents bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. On XX/XX/XXXX I sent another mail to the collection agency requesting them to delete this collection record from my report as the amount is incorrect and they failed to validate that this debt belongs to me, and haven't received any answers from them till today. ( please see attachments # XXXX ). I also have contacted XXXX XXXX XXXX and they confirm that that was their mistake and I should have been billed for the amount of {$470.00}. ( Please see attachment # XXXX ) They have never sent me a bill for right ammount, however.
07/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11222	Web
The Collection Bureau of Hudson Valley Inc. has falsely accused me of being the owner of an account that is not mine and for a service that I have never utilized. Despite multiple conversations with a member of Collection Bureau of Hudson Valley Inc. in the early months of the year, I have spoken to a representative within the Collection Bureau of Hudson Valley Inc. twice in which I claimed and informed them of my disassociation with the account and implied/explained that my name was being fraudulently used for the services in which they are representing. I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges for XXXX XXXX. Despite my claim of disassociation from the account and the fraud lock and alert on my credit report for nearly a year, the collection agency reported a fraudulent account to the credit bureaus, severely damaging my credit reputation across all bureaus except XXXX, which promptly and efficiently removed the false collection account from my credit. Because there is a fraudulent lock and report on all of my credit reports, and they have completely ignored all of the risks associated with reporting false information and failing to respond to any requests for verification of the collection amount/service used, the Hudson Valley Inc. Collection Bureau is clearly inadequate and incompetent in its investigative process.
03/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 078XX	Web
Debt collector, COLLECTION BUREAU HUDSON VALLEY sent me notice in the mail to my location information in attempts to collect on an alleged debt that I do not owe. I did not give them consent to contact me and in fact I sent them notice to cease all communication with me in XX/XX/2021 in regards to an alleged debt. They are committing mail fraud by not putting the required notice on the mail that they sent to my location information through the United States Post Office. They are using language and symbols in the mail contents that they sent to me through the US postal services that indicates that they are attempting to collect a debt. They committed identity theft by obtaining my personal private information without my consent as they obtained my information from XXXX XXXX. They are engaging in conduct that is harassing and abusive by using obscene and profane language in the billing notice that they sent me. They are falsely and misleading the amount as to which this alleged debt is because it is a positive balance and a consumer can not pay on a positive balance which is also a billing error. They did not send me written notice within the first 5 days of initial communication with me containing the ( 5 ) notice of debt contents thats required under the Fair Debt Collection Practices Act, 15 USC 1692g.
01/01/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 10701	Web
Company name : Collection Bureau Hudson Valley, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Partial account account number : XXXX I have disputed XXXX accounts of information that are not my accounts, this company removed XXXX accounts off my credit report and continues to report one : XXXX. They are deliberately looking for extra payment. The accounts were paid XXXX. I have spoken to this collection agency and were told the accounts had to do with my children, who are minors and who were serviced at an emergency room. They said there was a third party. I told rhem I have nothing to do with a third party, and whatever third party this doctor knew about, should have made sure he got paid. XXXX ( Insurance that my children has ), I feel, on personal that fraud is in play, to receive extra money, which this doctor has been paid for services through XXXX. If they removed XXXX, off my credit report, it is obvious, that this one ( stated above ) is false information, continually being reported on my credit file, destroying and prohibiting me from obtaining credit, etc.,. I would like this to be remedied, swiftly, as I will obtain a lawyer to remedy the situation, and slap them with a lawsuit. They are involved in illegal activity and need to be brought to justice. Many Thanks in Advance, Respectfully, XXXX XXXX
09/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07666	Web
I cancelled my service with XXXXXXXX XXXX XXXX XXXX about 2 years ago. I paid my bill in full and returned the equipment. I have an email confirming that the equipment was returned. Then a few months later I began getting a bill from them for {$110.00}. I called the company to ask what the bill was for and they were vague about what it was for, final payment or equipment..I told them I'd paid my past bill in full and returned the equipment and asked for copies of my last 3 months. They had stopped my online access so I could not access my bills myself. The said they could not send me those bills. I refused to pay them for something that I did not know what it was for as I very clearly had paid my bill in full and returned the equipment. Then 2 months ago they put the invoice in for collection with Collection Bureau Hudson Valley, XXXX XXXX XXXX CBHV asked me to either pay the debt or send them documentation why it is not owed. I sent them a copy of the email showing that the equipment had been returned, since that is the only thing I could be getting billed for. Instead of accepting that, asking the XXXX for more proof that I in fact owe them any money, they simply put the {$110.00} in for collection, killing my credit which as perfect payment record with not a single late or missed payment.
07/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10473	Web
I've called cable vision around XX/XX/XXXX or XX/XX/XXXX during the week, to fix my slow internet issue. I settled an appointment for a saturday, which I thought was kind of odd to wait even longer to have the problem solved, since I've been paying the right amount of money for the none provided internet speed. I remember speaking to my husband about the cable mechanic guy who never arrived that saturday to my home. I called once again on XX/XX/XXXX to dispute the charged of {$80.00} dollars to my account, for a service they didn't provide to fixed that problem. I tried to reason with many members of cable vision to waive the fee, but they only said : " we have three phone numbers associated with the account, and called leaving a voice mail, the cable guy knock at the door and noone was home. '' Well, firstable I only have one cell phone number associated with optimun, which have no voice mail from optimum, also checked my online cell phone bill, to make sure of the existence of this voice mail. ooops ... nothing there ither.!!! second thing is I'm the one who's badly needed the problem to be solved in the first place, why wouldn't I opened the door.? And most importantly why they are charging me for.? And just like that they've lost a customer for a dishonest service operation.
02/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 935XX	Web
To Whom it May Concern, XX/XX/XXXX, I canceled service with XXXX. I moved out XX/XX/XXXX. My next statement period started XX/XX/XXXX ; they charged me for another month before cancelling my service. I called XXXX repeatedly and would talk with a supervisor who would look into my account and say, " this is a mistake and you do not owe the money ''. I wrote XXXX XXXX XXXX an email and by mail ( Dispute # XXXX I never received a reply. I then received a notice from CBHV a collection agency reference # XXXX. I again sent them a dispute request along with the original note sent to XXXX and never received a reply. This was mailed XX/XX/XXXX. I never received a reply. On Monday XX/XX/XXXX, I received a call from another collection agency Convergent at my place of employment. I am extremely upset that they are calling me at work for a debt I do not owe. I received on XXXX XXXX I received a notice in the mail from XXXX trying to collect the debt. I again will send out another dispute this time certified mail. This is all for {$75.00} I do not owe this money and have repeatedly tried to dispute this. I am extremely distraught that they are calling my place of employment. If there is anything you can do to help me settle this I would appreciate it. Thank you, XXXX XXXX
10/09/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ XXXXX	Web
I check my credit report periodically. I noticed that on XXXX, XXXX XXXX and XXXX there was a collection account from a company named Collection Bureau of Hudson Valley. The original creditor of the account is XXXX. the address of this company is XXXX XXXX XXXX XXXX XXXX, NY XXXX and the phone number XXXX XXXX XXXX The partial account number is XXXX and the address identification number is XXXX in the amount of {$320.00} In 2016, I was homeless and sought refuge in a rooming house with others. Because of my hardship I lived very primitive. On several occasions my room would be ransacked and obviously entered without my knowledge. Therefore, many valuables were stolen. Early this year I began to get harassing phone calls from the aforementioned company informing me of a debt that I had NO KNOWLEDGE of. When I learned of this being a cable bill, I quickly informed them that this was not my bill and I have n't had XXXX as a cable company ever. I only had XXXX XXXX which is their rival company. I have repeatedly asked to speak to a supervisor and asked for written documentation with my signature and picture of license as this is a requirement when receiving utility services in the state of New Jersey and the company Collections Bureau of Hudson Valley has failed to do so.
02/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MA 01720	Web
The following are the details regarding the collection of {$18000.00} for my XXXX XXXX XXXX XXXX ( XXXX ) account for the check fraud. On XX/XX/22 I received a job offer from XXXX XXXX XXXX XXXX XXXXXXXX. My manager asked me to send checks for employees resource purchases. I sent some money to him as cards. As soon as I got suspicious went to the bank and talked to the manager ( XXXX branch manager in XXXX, MA ) around XX/XX/22. He called their collection dept and informed me that it is my responsibility, and they are going to close the account since there is a deficit of more than {$14000.00} and if not paid in 60 days ( about 2 months ) of time. Filed a complaint with the XXXX, MA police on XX/XX/22. I talked to XXXX collection dept in XXXX and XXXX several times, but they still stick to their decision to collect the money from me. Received a letter from CBHV Collection Bureau Hudson Valley Reference No : XXXX for a collection amount of {$18000.00} including the fees. They called me today XX/XX/22 and said I must pay the amount. I told them the story behind the collection. Please cancel this debt and fees since it is the banks responsibility also to check for fraud and I had no idea that it was fraud at the point that I was sending money. I am a victim of fraud.
07/23/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH XXXXX	Web	Older American
For over the past XXXX months we have received continued harrassing calls from Collection Bureau of the Hudson Valley sks CBHV ( phone number XXXX ) asking for someone who has NEVER lived here ( we are the XXXX owners and know the previous owners ). I asked them to remove my phone number over and over ( XXXX times ) and they state that they will, but we continue to get calls. We did again today and I informed that I would report them to the New York Attorney General 's Office. They stated " You go right ahead and see what happens to you. '' I replied " I consider that a threat on my life. '' They said " You can take it however you want. '' I called the N.Y. Attorney General 's office and was appalled. They stated " We do n't care what collection agencies do in our state and we have no oversight to them. '' I was totally taken off guard. When I attempted to XXXX the company to go to their website, the New York Attorney General 's name came up. It is obvious that he/she is somehow connected ed with this company and is attempting to coverup their scamming consumers instead of being concerned for consumers. Therefore, I wish that not only the company, but the NY Attorney General 's Office be investigated by not only your agency but also the FBI and/or Homeland Security.
06/28/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MS 38637	Web
To whom it may concern, I have a XXXX XXXX account that's charged off on my report that doesn't belong to me. I have no knowledge of the account and when I ask them to prove to me that it's my account, they're unable to but yet they still won't delete it from my report. I have spoken to the credit bureaus several times and normally when I call XXXX XXXX, I'm unable to speak with someone. I even hired a credit repair specialist to get the account removed and still, nothing! Recently a representative from Collection Bureau Hudson Valley called to speak with me regarding the account and I told them that I have no knowledge of the account. He stated that I needed to mail or email them a letter stating this and told me that emailing the company will get me a quicker response. I emailed the company on XX/XX/XXXX and still has not heard anything back regarding this matter. Per my credit report, the account was opened XX/XX/XXXX and charged off XX/XX/XXXX with a past due balance of {$120.00} and a total balance of {$280.00}. No payments has ever been made on the account because I do not believe in paying for anything that I'm not responsible for. It would be greatly appreciated if this matter can be handled as soon as possible. Thank you in advance, XXXX XXXX
02/01/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 070XX	Web
XXXX XXXX has assigned CBHV ( Collection Bureau Hudson Valley ) collection reference no XXXX, Account # XXXX, Collection amount {$39.00}, I was XXXX XXXX customer for years, in XXXX i moved to a different location where they didn't have XXXX rather that place had XXXX therefore i called XXXX disconnection dept to get the internet disconnected a week earlier from the last day i had already paid them for the month do disconnect in advance, they asked me my new address and confirmed that they do not operate in that area and after all said and done they refuse to disconnect my internet on that specific date as i had the no contract internet which i can disconnect any time as per terms and cons of XXXX, i had to spend 1 hour arguing that why are you forcing me to call at later date as i have the right to disconnect today, after all said and done they did not disconnected the internet on that day and closed my account next month, after a 2 months i have received debt collector letter to pay amount or they have written in big bold letter that it would be sent to your credit beuro, i disputed this charge but they are not even bothering to listen or respond and keep sending robo calls on my phone nos harnessing me to pay or it would be sent to credit beuro
03/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11230	Web
BACK IN XX/XX/XXXX I DID CALL XXXX TO SWITCH MY SERVICE FROM THEM TO XXXX, FIRST I CALLED TO INFORM THEM TO RELAESE MY PHONE NUMBER TO XXXX, WICH THEY DID THEN I CALLED AFTER ABOUT A WEEK TO TELL XXXX TO DISCOUNECT MY SERVICES, BUT BACK THEM I WAS TOLD THAT THEY WERE MAKING A MAJOR UPDATE ON THERE SYSTEM, TILL XXXX OF XXXX I GOT A BILL FROM XXXX, BUT WHEN I CALLED TO ASK WHY I GOT THIS BILL I WAS TOLD THAT BECAUSE I DIDNT DISCOUNECT, BUT BACK THEN I DD PROVE IT TO THEM, THEM THEY TOLD ME FINE SORRY IT WAS THERE MISTAKE, AND THEN TOLD ME SORRY, TILL XX/XX/XXXX WHEN I GOT A LETTER FROM HUDSON VALLY COLLECTION AGENCY THAT THEY PUT ME IN COLLECTION FOR {$850.00} BUT I DID TRY TO EXPLAIN THE SITUATION BUT NO WAY THEY WANT TO BUDGE EITHER TO PAY OR WE WILL REPORT TO THE CREDIT BUREAUS, BUT I SAID ITS NOT MY RESPONSIBILITY AND EXPLAIN THE ISSUE BUT THEY DINT WANT TO LISTEN AND SUR ENOUGH THEY DID REPORT TO THE CREDIT BUREAUS, AND MY CREDIT SCORE WENT DOWN FROM XXXX TO XXXX, AND I KEEP CALLING TO GET DETAIL BILL BUT THEY SAID WE WILL NOT EITHER TO PAY OR WE WILL LEAVE IT ON YOUR CREDIT, BUT THIS IS NOT FAIR TO ME IF YOU WANT ME TO PAY GIVE DETAIL BILL TO SEE WHAT IM PAYING FOR BUT KEEP ON SAYING NO I DONT KNOW WHAT TO DO
08/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11563	Web	Servicemember
On XX/XX/2022, I received a phone call from a company titled Collection Bureau of Hudson Valley , IncXXXX She collection agent, a female, informed me she was with a collection agency, and I owed a debt for XXXX dollars from a XXXX XXXX XXXX I told her I owe no debt, the XXXX XXXX was properly closed by me, all equipment was returned within the allotted 30 days, and final payment was made. I also requested they communicate by mail, so I would have their address and could forward the final XXXX receipts. The collection agent refused, said we rather put this on your credit report. I informed her that I do not owe the debt, and have receipts. She became belligerent, and after the phone call, the next day they sent the information to the credit bureaus. I also asked her not to call by phone any longer, and to send me correspondence by mail In a continued attempt to get their address again. Instead, I have received no correspondence and was called again on XX/XX/2022, twice. At this time, I have forwarded the receipts for the contested accounts to the 3 credit bureaus with an explanation. This company appears to either buy bad debt without checking to determine if it is actually owed, or simply ignores those facts.
07/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA XXXXX	Web
I received a bill from XXXX in the amount of {$130.00}. I instructed XXXX to discontinue my service on XX/XX/XXXX, turned in their equipment to XXXX two days later, and had already paid the bill for the month of XXXX in advance. XXXX decided to discontinue my service XX/XX/XXXX, nearly a month later, then sent me the bill for their failure to discontinue the service on the date I requested. If their equipment was returned in on XX/XX/XXXX then I had no service for them to bill. I tried to explain that to XXXX when I responded to their bill in writing, but did not get a response from them. Shortly there after, I received a collection letter from XXXX XXXX, XXXX, Texas. I responded to XXXX XXXX in writing with a sequence of events between myself and XXXX explaining why I didn't owe them anything and enclosed a copy of the letter I sent to XXXX. A few weeks later, XXXX XXXX sent me a notice on their decision to stop collection efforts and I figured that was the end of it. Well, around XX/XX/XXXX I received a collection letter from Collection Bureau of The Hudson Valley on behalf of XXXX in the amount of {$130.00}. It is my belief that XXXX is using collection agencies to harass me for a bill that is not owed.
04/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75149	Web
I moved from my apartment at XXXX XXXX XXXX XXXX XXXX, and moved to XXXX in XX/XX/2018. I never received notice or mail or phone call that there was a remaining balance past the time the meter was to be cut off and I had moved. I did not receive a word until the collection company called me! They told me to pay the amount and it would not be on my report, or if it did show they would correct. The did not do this and it still shows unpaid in collections. The derogatory collections on my credit report is from a company called COLLBUREAU. The original creditor was XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$140.00}. The same and only day they contacted me from the collection agency was on XX/XX/2018 and I spoke with XXXX. I paid the full amount and confirmed on My XXXX Credit card on XX/XX/2018 in the full amount of {$140.00}. And, XXXX gave me the confirmation number XXXX. XXXX shows payment on XX/XX/2018 for {$140.00}, there reference number is # XXXX The charge appeared on My XXXX credit card as 'cbhv, Inc. phone number XXXX. The problem is they NEVER REMOVED this into paid, nor add any notes of the circumstances and it still shows unpaid collections.
03/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 335XX	Web
XXXX, a cable and internet provider, had supplied service to my prior residence located at XXXX XXXX XXXX, XXXX XXXX, XXXX. I moved on XX/XX/2022. I terminated service on XX/XX/2022 and all equipment was surrendered. Enclosed is a copy of the receipt they provided which specifically acknowledges that all services were terminated and all equipment was surrendered. Weeks after the move, XXXX rendered a bill for services beginning on XX/XX/2022. I sent a letter to the company dated XX/XX/2022, together with a copy of their receipt showing that all services were terminated and all equipment was surrendered and they called my cell phone several days later to state that my letter was received, an error was made and no monies were due. I asked them to acknowlege this in writing. They refused. They said that I would receive another invoice showing a XXXX balance. The writing which they promised never arrived- all mail was forwarded by USPS to my new address. Today, I received notice from a third party debt collector, CBHV, claiming that I am in arrears for failing to pay the precise amount that was described in my letter of XX/XX/2022 - which XXXX claimed was not due.
01/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 958XX	Web
I vacated military housing in XXXX California and I returned my cable equipment - router/modem, cables and remote control to XXXX XXXX via FedEX to the address provided by customer service. My cable and internet service was discontinued via my cancellation on XX/XX/202 because I was moving. The FedEx delivery confirmation states the package containing the equipment was received @ XXXX am XX/XX/2021 and signed for by a person identified as : XXXX. A company called XXXX XXXX sent me a notice for " XXXX XXXX '' for {$100.00} in XX/XX/2021. I responded with a certified letter that the debt was in error and the equipment was returned. I included the confirmation of FedEx delivery with the letter. No response or resolution was ever communicated to me via XXXX. Never heard from them again. Now as of XX/XX/2021 I have a new company - Collection Bureau of The Hudson Valley, XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX citing reference # XXXX stating the same thing- I owe them {$100.00} for unreturned XXXX equipment. This collection is in error. I contacted them via their email procedure and included the delivery confirmation as an attachment. Thank You
09/04/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11003	Web
I have a workers compensation case that I haven't had to pay any medical bills for in the last year except I keep getting harassed by XXXX XXXX XXXX and emergency for bills I have tried to resolve from the very beginning XX/XX/XXXX is when i used their services. They have sent the bill to several creditors to collect on their behalf. the most recent letter dated XX/XX/XXXX which i have 30 days to resolve. since, I have called them in the past to give my claim number and my representative 's contact info, yet the continue to harass me. my human resources rep at my work has tried to contact the debt collector they will not speak to her, they also insist that the insurance company call THEM to verify the validity of my claim, without looking into it. today ( XX/XX/XXXX ), when I call trying to resolve it, they ask for all my personal info, but wont use it to resolve the issue. They person I spoke to from the agency even told me they'd hang up, even though they're harassing ME for over a year now. they say they have tried to contact XXXX XXXX ( my rep at XXXX -- the insurance company handling my bills ) she says she has not evidence they ever did.
01/25/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WV 24740	Web	Older American
XX/XX/2020 cable box failed. XX/XX/2020 phone service only allowed outgoing calls. Repeated phone calls to address problems were dealt with hang-ups. Asked for technical assistance resulted in hang-ups. Ask to remove services, denied, could only upgrade or purchase pay-for-view. Ask to speak to supervisor or manager ended abruptly with hang-up. Asked to cancel all my services, no one had the authority to do so and ended with hang-up. Was told I could cancel services through website, that was incorrect. Website said would have to talk with customer representative and gave a phone number to call. That always ended with a quick hang-up. I had a months credit paid and no way to cancel service or fix services. They used up credit and continue to charge for services I didn't receive. Now they want defective cable box so I can't prove that I was without tv services but I have refused to return till issues are resolved. A registered letter with self return signature requested explaining problems and request to be reimbursed for the {$150.00} credit now has resulted in a collection agency threatening legal action unless debt of $ XXXX is paid in full.
05/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11552	Web	Servicemember
Two debt collection agencies XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, NY XXXX ) and Collection Bureau Hudson ValleXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ) keep putting repeated derogatory information for the same accounts on my credit report that is not mine. I have disputed them multiple times through the credit agencies and had them removed but they keep putting them back on my credit report every year. This is for an address that I have never lived at, but using my social security number. I attempted to contact XXXX XXXX XXXX to notify them of this. They told me I had to provide multiple pieces of personal information including photocopies of my driver 's license, my social security card, a W2 showing my address which I am not comfortable providing ( nor should I have to ) a private company to resolve an issue such as this. I don't understand why there is no communication between the credit agencies ( XXXX, XXXX, XXXX ) and these collection agencies to verify that the same negative information is being places on the credit report for the wrong person.
04/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 44113	Web	Older American, Servicemember
I terminated service XXXX XXXX XXXX XXXX ( internet service ) and paid my final bill on XX/XX/2021. I have their email confirmation. However, they kept sending me past due notices. I tried calling. I could only talk to a representative about new services, or a service issue, but I had to have an established account. I didn't. I had closed mine. It was one of their so common " catch 22s. '' So, I ignored the notices. This company made numerous and repeated errors throughout the time I was using their services, this was just another. Then in XXXX I received a notice from XXXX XXXX XXXX trying to collect this erroneous debt. I spoke with them and then through email forwarded them a copy of my XXXX payment confirmation email. I thought I was finally rid of them. Then yesterday, almost six months later (! ), I receive a letter from Collection Bureau of the Hudson Valley trying again to collect on behalf of XXXX. This time I'm sending written correspondence to them, copying XXXX, and insisting they stop this harassment. And... I'm also reaching out to you!
09/12/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 773XX	Web
This complaint is against XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, NY XXXX. I am a victim of identity theft, and have had an extended fraud alert placed on all three credit reporting agencies since XXXX2016. XXXX allowed someone to illegally use my personal financial information to open an account in XXXX, New York. If XXXX had done their due diligence when opening this account, they would have been notified of the extended fraud alerts in place, and stopped this identity theft from occurring. I am a resident of Texas, and the attempt to get service from XXXX in New York should have been easily detectable as fraud. In addition to having a sub-standard credit approval process in place when creating the fraudulent account, XXXX had the Collection Bureau of Hudson Valley place a collection on my credit file. This has cost me hours of time to correct, and I believe XXXX should be required to compensate me for all lost time during this process and for any damage done to my credit rating as the result of their poor business practices.
01/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06905	Web	Older American
I contacted XXXX ( XXXX XXXX ) in early XX/XX/XXXX to cancel my account. XXXX informed me I could cancel any time prior to XX/XX/XXXX ( the end date of the current cycle ) by returning all equipment. I returned the equipment on XXXX XXXX at which time XXXX informed me there were no pending or further charges. However, XXXX subsequently charged my credit card on XX/XX/XXXX, over one month after cancelation. I disputed the charge with my credit company on XX/XX/XXXX, who in turn contacted XXXX on XX/XX/XXXX requesting evidence that the charge was legitimate, e.g., an account extract. XXXX could not provide evidence and the dispute was resolved in my favor on XXXX XXXX XXXX Following the favorable XXXX re-invoiced the charge of {$160.00} and now claims I have a past due balance. I have reported the issue to the XXXX To-date XXXX has no proof that their bogus claim is legitimate. However they have referred the matter to a collection agency, Collection Bureau of XXXX XXXX who is contacting me via phone and mail in a harassing manner.
12/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07087	Web
I am being charged for college tuition from XXXX XXXX XXXX XXXX, collection agency Hudson Valley. They are claiming on my credit report that I owe a total of {$3600.00} from two accounts ( {$2700.00} and {$860.00} ). I asked the collection agency to send me paperwork regarding these charges, which I did on XX/XX/2021. The bills from XXXX XXXX XXXX XXXX I received from Hudson Valley Collections shows one amount ( {$750.00} ) paid for by financial aid with a differnce of {$250.00}, and the oher amount of {$2400.00}, not matching any of the amounts reported on my credit report. I have sent multiple letters, have submitted disputs online ( XX/XX/2021, XX/XX/2021, XX/XX/2021 ), and talked to multiple specialists at XXXX credit bureau disputing these items and the collection agency keeps saying the items are accurate. I sent a letter to the collections agency over 30 days ( XX/XX/2021 ) ago disputing the charges, pointing out that the bills received irreputably proof the items should be remove with no response from them.
11/16/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07105	Web
I was contacted by XXXX XXXX XXXX XXXX by written letter- with an attempt to collect a debt. the notice was date XXXX XXXX, 2023 and stated I had until XXXX XXXX ( or 30 days ) to respond to the notice or additional action may be taken. this notice gave me an end date for the 30 day period to respond HOWEVER, " CBHV '' submitted this report to the credit reporting agencies in only 15 days ( sooner than on written communication ), ROBBING ME of the oppurtunity to address or rectify the alleged debt. This would be a violation of CFPBs debt collection rule, which states on your website once consumer receives the written notice as the initial communication, consumer has 30 days to dispute the debt in writing. This is considered abusive, unfair, and deceptive to XXXX me of the oppurtunity to verify this debt within the 30 day time frame allowed to do so. Under the XXXX Fair Debt Collection Practices Act, my legal rights to obtain verification information from a debt collector are during the XXXX period.
07/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07040	Web
On XX/XX/2021, I sent Collection Bureau Hudson Valley a debt validation letter in regards to an XXXX bill that they claim I allegedly owe. On XX/XX/2021 they sent to me by mail a copy of the bill from their client, XXXX XXXX, which under the Fair Debt Collection Practices Act 15 USC 1692g, is not the five ( 5 ) items that Congress says a debt collector must provide to me ( the consumer ). On XX/XX/2021 I sent a request to the credit reporting agencies XXXX and XXXX to have this account removed from my consumer report but the credit reporting agencies responded saying that Collection Bureau Hudson Valley certified that the information is accurate so the account will remain on my report. On XX/XX/2021 Collection Bureau Hudson Valley responded to my CFPB complaint and noted that they will request to have this account removed from my report within 30 days. 30 days later on XX/XX/2021, the account is still on my report and they are certify to the credit reporting agencies that this account is accurate.
08/04/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 11746	Web
I was not aware that an outstanding debt existed until I received a notice from XXXX indicating a negative item was placed on my credit report from an agency by the name of Collection Bureau of Hudson Valley from XXXX New York. It appears the alleged debt originated from a XXXX I had performed at XXXX Hospital in New York back on XX/XX/2017. According to the collection agency they represent XXXX XXXX XXXX, XXXX. This negative item on my credit report truly surprised me as I never received any invoices from XXXX XXXX XXXX XXXX and I have never received a validation notice or any type of correspondence from Collection Bureau of Hudson. it should be noted that I moved from previous address in XXXX, NY in XX/XX/2017 ( after the XXXX took place ) to my current address in XXXX, NY. I filed forwarding addresses orders with the US Postal Service and my mail has been sent to my new address accordingly. It should also be noted that at the time of my XXXX I was fully covered by XXXX XXXX XXXX XXXX.
11/09/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 079XX	Web
I am writing to address a reported medical debt on my credit report, and I have encountered several issues in attempting to resolve it : Lack of Detailed Information : I have requested more information about the debt, such as an explanation of benefits or invoice details, but have not received a response. Communication Challenges : I have been unable to reach a human representative through phone calls, and all contact attempts from CBHV have been automated or missed calls. Address Discrepancy : The listed address on file does not align with my personal affairs and insurance information. Payment Issue : I made a payment, but I did not receive confirmation or a reference number linking it to the reported debt. I kindly request : Detailed debt information. Direct communication with a human representative. Verification and correction of address details. Resolution and proper reporting of the debt to credit bureaus. Your prompt attention to these matters is appreciated. Thank you,
07/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued where didn't live/sign for debt	CA 95687	Web	Servicemember
My wife and I used to live in XXXX and we had XXXX cable for internet and TV services. Before we left XXXX back in XXXX 2014, we paid all the bills to include XXXX, utilities, and electricity because the house was being rented we dont want to leave any outstanding for the new tenant. Last week, we received a collection letter from CBHV ( Collection Bureau of the Hudson Valley, Inc ) Tel : ( XXXX ) XXXX or XXXX. Threating us to recover the fund. We talked we XXXX and they confirmed that we paid all our bills and had refund in our account in XXXX ( Ticket Ref : XXXX ). The collection company wo n't stop harrassing us until we paid the money to them when we tried to tell them that they need to get with XXXX because we did not owe any money to XXXX for previous srvices in XXXX. We want them to stop harrassing us and talking to XXXX to update the case which should have never gone into collection since we paid all our debts to XXXX before we moved out XXXX to live in XXXX on XXXX.
07/09/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78249	Web
I received a notice from CBHV ( Collection Bureau of the Hudson Valley ) on XX/XX/18 that I owed {$120.00} to a medical provider. That notice said " If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt, or any portion thereof, this office will obtain verification of the debt or obtain a copy of the judgment and mail you a copy ''. I sent a letter disputing the validity of the debt on XX/XX/18 requesting proof of the debt owed. Not only did I not receive any documentation to verify the validity of this debt, but I received 2 phone calls from this company asking me to pay the amount and another notice in the mail, disregarding the letter I sent them. I received a call on XX/XX/18 and on XX/XX/18 and another letter dated XX/XX/18. A debt collector " must stop collection activity until theyve sent the proof ''. They clearly disregarded this and are in violation of the Fair Debt Collection Practices Act.
11/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	VA 22601	Web
I called the creditor and set up a payment plan. I requested that they send me information in writing showing what i owe, and what i paid. They stated they will not send anything in writing ; only a payment reminder for the next upcoming payment. Which is a month away. I stated I needed something in writing for a potential employer and they stated the employer can call them and they would discuss the information via phone, but nothing in writing. I requested it in writing before the 5 business days. XXXX Bank : Total Due $ XXXXAccount # : XXXXPayment Plan : {$100.00} XXXX 6 monthsI spoke with XXXX XXXX XXXX XXXX ext XXXX and today XXXX/XXXX/15 and asked to speak to his supervisor XXXX XXXX XXXX XXXX. Neither individual will supply with written confirmation on my debt. They payment plan that was set up, initial {$100.00} payment and {$150.00} for 6 months will go over what the total payment is. I can not get a break down summary of what I owe, and what I 've paid.
03/10/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 07030	Web
I received a letter from the Collection Bureau of Hudson Valley in late XX/XX/XXXX regarding a debt from services rendered at the Hospital from XXXX ( XXXX ) in XX/XX/XXXX. I responded immediately by returning their form with on which I communicated that XXXX had been paid on XX/XX/XXXX ( within 3 months of the date of service ). This led me to be bewildered how there could have been any attempt to collect a debt. I also provided them with the transaction number from my bank and asked them not to contact me again. On XX/XX/XXXX I received a call from the Collection Bureau of Hudson Valley again trying to collect this debt. When I spoke to their rep, I confirmed they received my response to their letter on XX/XX/XXXX and that they were aware that FTC regulations prohibit them from contacting me again until they verify the debt. Even so, I have become subsequently aware that as I had already asked them not to contact me again, they should not have done so.
10/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	OH 44111	Web
The company ( Collection Bureau of the Hudson Valley ) accepted funds to legally settle a debt ( XXXX XXXX ) but never provided information that the debt was settled. They never refunded me or the debt management company ( XXXX XXXX XXXX ) I was enrolled and working with. I would like for them to refund my money. My account was paid off by me in full. If they had actually completed the settlement when they received the funds my credit report could have been updated correctly for a long time prior to me paying the debt off in full. XXXX responded to me about the arrangements are as follows : XXXX XXXX - XXXX. And the rep confirmed the same Account Number to me as well. The settlement we had worked out with Collection Bureau of the Hudson Valley was for {$120.00} on the balance of {$240.00}. We paid off the amount in the manner as follows - {$62.00} on XXXX/XXXX/2013 -- Check By Phone payment. {$62.00} on XXXX/XXXX/2013 -- Check By Phone payment.
06/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07040	Web
Collection Bureau Hudson Valley Inc. continuously attempts to collect an alleged debt that they claim that I owe them. They then reported the alleged debt to the 3 credit reporting agencies ( XXXX, XXXX and XXXX ). In the process they have broke several laws, identity theft/fraud by obtaining my personal information without my consent, invaded my privacy by illegally obtaining medical records without my consent. They violated 15 usc 1692b ( 2 ) by stating that I owe a debt ( which I provide proof of on exhibit A ), 15 usc 1692b ( 5 ) by using language and symbols on their letter that they mailed to me which shows that they are a debt collection agency ( their name alone gives away that they are a debt collector ), 15 usc 1692c ( 1 ) by communicating with me without my consent, 15 usc 1692e ( 2 ) ( A ) by claiming I owe an amount of {$510.00} but sending a bill thats in a positive amount. If I owe something it should be a negative balance.
04/11/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NV 89048	Web
Continue to get phone calls and letters threating legal action from Collection Bureau of the Hudson Valley. XXXX XXXX XXXX XXXX , XXXX , NY XXXX . Phone # XXXX . The listed creditor is XXXX which advertised a scam service in my area offering internet and TV services they could not provide. They offered 30 free service at no charge or installation fee and cancellation at any time. I cancelled the service after 2 days because it was not what was advertised and did not work at all. I returned the hardware myself on the 3rd day and got a receipt. Notified XXXX that the service was not what what was advertised which they admitted saying that they may have the advertised service in my area ib years to come. XXXX agreed there was no charge for trying the service. The collection Bureau of Hudson Valley is operation a fraudulent scam and I demand that you stop them and penalize them with monetary damages at the very least.
04/14/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 33755	Web
Shortly after having imaging the Insurance requested more information. The requested documentation was sent in a timely manner. I noticed this debt appeared on my credit report in around XX/XX/XXXX XX/XX/2017 when I had a credit report ran. When I contacted the debt collector ( collection bureau of XXXX ) they said it was never paid. I then contacted my previous health insurance company ( XXXX ) they said they see on there end where they did receive the requested information from me but somehow it was never sent to XXXX to be paid. They admitted it was there mistake, apologized and then said they are no longer contracted with my previous employer ( institute for family health ) so the ca n't do anything about the claim at this point. Last I spoke with my insurance they said they received all needed information and claim would be paid. Now I have this debt that I may have never known about if I would of never had my credit report ran.
11/12/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 078XX	Web
XXXX overcharged me for cable and internet services. I was moving to a new location thus I called the company to cancel the services on XXXX XXXX, XXXX which was 5 days after the billing cycle ended. Even though I did not use the company 's services after XXXX XXXX the company charged me for the full service cycle from XXXX XXXX to XXXX XXXX for {$140.00}. Subsequently, XXXX never reached out to me after the XXXX XXXX date when I called to cancel. XXXX then had a debt collection agency try to obtain the debt which is incorrect since I did not use their services once I moved from the location on XXXX XXXX. Currently, XXXX and the debt collection company have reported the transaction to the credit bureaus which impacted my credit score. XXXX aggressively and incorrectly took action to overcharge me as a customer - they should not be allowed to charge for a full payment cycle once I cancel the services.
01/22/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 179XX	Web
I sent this company a letter to validate a debt that I owed according to them. I sent the letter on XX/XX/XXXX I gave them 30 days to validate the debt but they never responded. Again I sent another letter on XXXX to let then know about the previous letter that I sent which they also did not responded. I never received anything from them no letter, nothing!! Under the ( FDCPA ), I have the right to request validation of the debt they say I owe. Normally they have 30 days to respond if not they have to stop the collections and delete it from my Credit Report and today is XX/XX/XXXX that's over 4 months. This is very unprofessional from their company and they are still affecting my Credit Report. I have all my letters and receipts In case I have to take this to small claims court, this is affecting me XXXX and I was very generous I waited this long. I am also contacting CFPB about this issue also.
08/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	DE 199XX	Web
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this CLLCN BUREAU OF THE HU ( Original Creditor : XXXX XXXX XXXX XXXX ) was reporting to be negative on XXXX Credit Bureau. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
06/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 344XX	Web
Collection Bureau Hudson Valley , Inc. is attempting to collect a debt that does not belong to me. Collection Bureau Hudson Valley , Inc. is reporting a delinquent collection account to XXXX XXXX and XXXX that does not belong to me and is reporting incorrectly as if it does. It's hurting my credit score and I need this removed immediately. I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence ( debt validation letter ) via USPS mail onXX/XX/2021, as well as faxed them a copy the same day at XXXX ( See attached confirmation ) I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from Collection Bureau Hudson Valley , Inc . I am requesting legal action to terminate this account immediately and have it deleted from all major credit bureaus. Thank you.
08/28/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY XXXXX	Web
The company ( CLLCN BUREAU OF THE HU ) has falsely reported me to the credit agency and made up a fake payment history to hurts my credit and force to me pay something doesnt belong to me they reported without having my fall information just a mix up name I already called them and explained to them I dont owe them and that was a mixed up identity And the address they have in file I never lived at but they was so rude and said they dont care I have to send them a paper with all my personal information such my SSN and my health insurance policy and copy of my ID sent Aslo i explained to them I never open the account they come after me for and I tried to dispute it but they never disputed for me and still showing in my credit report please let them remove it out my credit report I never open that account or lived in the address the account was linked to
03/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77433	Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against COLLECTION BUREAU OF HUDSON VA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
09/27/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 107XX	Web	Older American
On XX/XX/2019 I received a Collection letter from the Collection Bureau of Hudson Valley , Inc. ( CBHV ). The collection letter states that I owe XXXX XXXX XXXX a past due amount of {$70.00}. On XX/XX/XXXX I called XXXX billing department and spoke with Mr. XXXX. I told the billing person of the Collection letter. After reviewing my current account bill and my previous account at my XXXX, NY. Mr. XXXX said all my bills are {$0.00} ( XXXX ) and I DO NOT have any past due amounts to be paid to XXXX. I then called the collection CBHV agency at XXXX and told the woman rep ( XXXX ) that I just spoke to XXXX billing and the billing person said I do not owe any past amounts to XXXX. XXXX told me that XXXX opened the collection process against me. I told XXXX that I never received a past due letter that I owed a past due amount of {$70.00}.
11/01/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	NY 11706	Web
I sent a opportunity to cure, demand letter to COLLECTION BUREAU OF THE HUDSON VALLEY , INC and the Company responded on XX/XX/XXXX " CBHV has not violated the FDCPA. We have documented your account as a cease and desist, you will receive no further contact from us regarding this account. '' the complaint number is XXXX that was Submitted to the CFPB on XX/XX/ it is in fact that you have violated the FDCPA and failure to provide remedy in accordance to FDCPA and FCRA may result in a lawsuit against you please cease all communication through all mediums including my consumer reports and send me documentation stating you would do so thanks, so are also held liable up to XXXX per violation of the FDCPA and monetary remedy for FCRA i willy to settle this matter for XXXX or i would be forced to file a lawsuit thanks for understand
08/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NH 038XX	Web
This is for a Cable company called XXXX who made it nearly impossible to cancel. ( i.e. insisting that I call with long wait times, and constatnt disconnects, no chat or online account portal is available to cancel ). I returned my equipment thru their cahannels before a new month was started. I had to secure Support thru their XXXX account and have them close my account. I have the confirmation but they never apparently closed it formally and still continue to send me bills. I appealed to them again to tell them to stop sending bills - that the account was closed... And then today I get a letter from a collection agency. Here is a paste of the whole support conversation that confirmed that the account is closed - and in time to not incur more charges. Attached in PDF below is the actual support conversation thru XXXX.
07/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11225	Web
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, XXXX the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
07/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NY 11204	Web
On XXXX/2017 I filed a complaint against the Collection Bureau of the Hudson Valley Inc. # XXXX that they reported a debt to my name of XXXX which I never owed. Collection Bureau of the Hudson Valley was required by law to send me a notice of this collection before posting anything on my report. I did n't recall getting a letter from them. I asked for details of this debt which were never sent. Subsequently they closed the account and removed it from my credit file, Now in XXXX I got a negative notice on my report and after checking I see the same debt is reported again .They never sent me any details of this debt but reported it again .I am ready to sue them in court for violating the FDCPA and FCRA and for financial damages incurred due to their false report if they wo n't remove this once and for all.
01/26/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 12603	Web
Date of collection : XX/XX/2021 for {$490.00} My mother was / is on XXXX At the time of the service she temporarily was not receiving her XXXX because of her age and not understanding somethings she lapsed. I was able to reactive her XXXX and was able to give the number to medical providers she saw during the time of lapse. After a hospital stay the medical bills were covered however the XXXX XXXX would not take the XXXX number. I have on several occasions ask for them to please take her XXXX. They refused to take it. She is not in a position to pay this. I subside her food and other needs and this is strain on my household. I have explained the situation to the collection agency and they asked for her medicaid number. I was not comfortable giving it to them although will if it safe to do so.
01/06/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 10543	Web
XX/XX/XXXX called to cancel service was told they can cancel effective XX/XX/XXXX Received several collections calls XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX place complaint with FCC XX/XX/XXXX Spoke to XXXX regarding my complaint was told that I have no choice but to paid the full amount because the company is a business and even if I could not afford to pay for services I did not agree to or receive. I hung up on rep because he was not looking to work with me but to collect money. XX/XX/XXXX received a call from a collection agency CBHV I am being forced to pay for services I did not receive or agree to. It is unfair XXXX are using unfair business practices during an epidemic and when are so many people can not afford their bills.
10/20/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	MO 640XX	Web
number, and I had a debt from XXXX recently placed on my credit karma account without being notified by collections company Collection Bureau of Hudson Va.that I owed this debt. I called them and asked them about the debt, and why I was never notified. They said I had been but the address they had was incorrect I than asked if they had a current phone number, and they did. I then asked why I was n't notified by phone and they did n't have an answer. I immediately paid the bill which was the date of XXXX/XXXX/XXXX and the exact amount of {$120.00}. The bill is still in collection on my account and has n't been marked paid, I would like to know how they can mark my account without properly notifying me. If you can contact me my email XXXXXXXXXXXX, thank you. XXXX XXXX XXXX
01/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06604	Web
XXXX Sent my account into collections for the amount of {$270.00}. I never received a bill or an invoice from XXXX stating what I owed them for. I checked my credit a few months back and saw a collection from a company called " CLLCN BUREAU OF THE HU ''. I disputed this information a few months back and never received any response from the collection agency. They didn't return any of my letters but insisted on keeping the account on my credit report. The company has not marked the account as disputed in the 30 day time frame from the original receipt despite my multiple attempts on having them validate the debt. I am attaching all three letters that was forwarded to the collection bureau of the hudson as well as the proof that they received all three letters
02/15/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 11229	Web
To Whom It May Concern XXXX has tried to collect money for the service they did not provide. They have tried to use different collection bureaus to unfairly charge us. The first bureau, named XXXX XXXX XXXX XXXX, deemed XXXX had no claim to bill us for a service we did not receive, hence they have now switched to the Collection Bureau of The Hudson Valley Inc. We called XXXX and the collection bureau and let them know that we are not responsible for the charge they are demanding because the service was cancelled and therefore not provided. We canceled the service/account with XXXX XX/XX/20 and received a confirmation email to go along with it. They want us to pay for the month of XXXX even though the service was canceled a month beforehand.
01/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 362XX	Web
I am a natural living and breathing person ; consumer. I am aware that you are committing fraud and in violation of my federally protected rights by reporting that I owe an alleged debt that I have no knowledge of and hereby REFUSE. Pursuant to the Fair Debt Collection Practices, 15 USC 1692g, I demand documentary evidence that shows I legally owe you an alleged debt. I am also aware that you are in violation of my rights according to the Fair Credit Reporting Act, 15 USC 1681b ( a ) ( 2 ) to be exact, I do not know who you are and I never gave you the authority to report any items to my consumer report. As well as to the Fair Credit Reporting Act, 1681 ( d ) ( 3 ) ( a ) as medical information is to be excluded from consumer reports.
01/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NY 11212	Web
On XXXX XXXX Collection BUREAU OF THE HUDSON VALLEY added a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, CLLCN BUREAU has violated my rights as a consumer and I am requesting legal action to remove this account immediately. I did not receive any proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
09/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10003	Web
My partner was suffering from XXXX XXXX and I called XXXX repeatedly. Once they arrived, he convinced them that I was starting fires and they refused to leave my home until I went in the ambulance with them and drove two blocks to the hospital. They took my ID card from my wallet and told me I would not be charged for this ride and that I could leave as soon as w arrived, which i did. Months later I get this debt, immediately called and told them the situation and they said they would take care of it. In the process of buying a new home and frankly I was surprised to see this still on. my credit report. This so ludicrous and I want it expunged immediately, if not compensation for dragging my credit score down all these years.
07/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11520	Web
On or about XX/XX/2022, I received a debt collection letter dated XX/XX/2022 from " COLLECTION BUREAU OF THE HUDSON VALLEY , INC. On XX/XX/2022 I responded to their debt collection letter disputing the debt and to validate the debt according the FDCPA provisions. I mailed the letter via USPS paid postage and have a copy of the USPS stamped paid postage. 'COLLECTION BUREAU OF THE HUDSON VALLEY XXXX hereinafter " CBHV '' never responded to my letter therefore is in violation of the Fair Debt Collection Practices Act and the FTC XXXX I am filing this complaint because they have violated my rights and have damaged my credit rating by falsely reporting a debt collection on all 3 credit bureaus.
06/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 122XX	Web
XXXX and collection or financial company by the name of Collection Bureau Hudson Valley Inc. have been reporting inaccurate information on my credit report. The account number is : XXXX I have written the company Collection Bureau Hudson Valley Inc with a debt validation letter and they responded back after a cease and desist. They never sent the legally required document that suffices a debt or a debt validated. They have multiple consumer violations within their letter and letterhead. I would like the account removed and compensated no less than {$100.00} and not more than {$1000.00} per violation. The certified mail tracking number is : XXXX All supporting documents will be included.
02/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 180XX	Web
This is not my account, I have never lived in this location, this is showing as reported to collections and this is not me, this is now impacting my credit score. Please help COLLECTION BUREAU HUDSON VALLEY Under dispute Date opened XX/XX/XXXX Balance {$590.00} Account info Account name COLLECTION BUREAU HUDSON VALLEY Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$590.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$590.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$1000.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
02/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 106XX	Web
I recently acquired a copy of my credit report 's reason why I found out about this alleged debt with COLLBUREAU. I pay my bills directly to XXXX XXXX so I don't understand why COLLBUREAU is collecting {$900.00} from me. I do not owe COLLBUREAU any amount and this account should be removed from my credit report. I would like to request for validation of this debt. They need to verify first if balance is valid before they collect money from the customer or if the customer still owes anything from the creditor. Any collection agency should be very careful about putting debt or negative remarks on the customer 's credit report that causing financial and reputation harm.
09/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 127XX	Web
I went to a doctor on a referral from my primary doctor. The referral was issued so it could be billed to health insurance. The doctors office did not submit in a timely manner so it was rejected. The doctors office send to collections with out trying to resolve first. I never was contacted over the matter by doctors office or collection. I see it on my credit report and call ASAP. Did not try anything to help. Because of a lazy doctors office and a scammer collision agency it gets charged off and credit ruined when the bill would of been paid in full. No penalties to any one just the me. Please help me resolve this. I should not be punished or anyone in this matter
02/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07208	Web
I closed my account with my tv provider on XXXX.I returned my equipments on the next business because they were closed on the weekend.Ive paid my bill with the XXXX for 10 years and I never missed any payments with them.I filed complaints against them with FCC to New Jersey office of attorney general.They were not honored a promotion starting from XXXX XXXXAfter that they raised the bill non stop from XXXX to XXXXMy promotion said I have to pay XXXX and now they sent it to collection what I did not know about.I have text messages with their rep who says I do not owe anything after I returned the equipments.I have receipt shows XXXX when I give the equipments back.
07/07/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 71111	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
03/10/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28216	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
09/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07307	Web
On XX/XX/2015, COLLECTION BUREAU OF HUDSON VA added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused at any point in time from reporting date. A bill without a signature does not validate the debt and anyone can send a bill and make false claims. According to the FCRA COLLECTION BUREAU OF HUDSON VA has violated my rights as s consumer and i am requesting legal action to remove this account immediately.
11/25/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 349XX	Web
1st phone call with Hudson Valley occurred on XX/XX/2018 - They requested amount of {$2300.00} for charged off account balance of {$1800.00}. I requested explanation of difference in amount and they explained this was amount from original creditor ( XXXX XXXX XXXX ). Confirmed with XXXX XXXX XXXX on same day the amount reported by Hudson Valley that was incorrect. Hudson Valley has requested incorrect amounts and has threatened to sue for account if account is not paid in full amount for balance of {$2300.00}. Hudson Valley has also never sent out Debt Validation letter to home address after numerous attempts of doing so over the phone and in writing.
11/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 12208	Web
I would like for the CLLCN BUREAU OF THE HU to show proof of verification that I owe them {$1500.00} with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
08/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 12208	Web
I am filling a complaint against COLLBUREAU because they are attempting a that is I do not owe them. Account Name : COLLBUREAU, Account Number : XXXX. I would like for COLLBUREAU to show proof of verification that I owe them {$1500.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.
06/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11731	Web	Older American, Servicemember
On XX/XX/XXXX I received a notice from the Collection Bureau of the Hudson Valley , INC. to creditor XXXX # XXXX, CBHV # XXXX dated XX/XX/XXXX, for a baance due {$180.00}. I immediately called XXXX XXXX that this case was closed by XXXX XXXX XXXX XXXX XXXX. on XX/XX/XXXX, his reply was that they do not deal wth other Credit Companies and I have 30 days to dispute the validity of this debt. ) On XX/XX/XXXX, I mailed a disute letter with CFPB Case # XXXX, XXXX Case # XXXX and a letter from XXXX XXXX that the case is closed. I have not spoken to or received a reply to my dispute. Please see attached ( 4 docoments. ) Thank you, XXXX XXXX
02/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 710XX	Web
XXXX formerly XXXX stated I owed the a debt of {$99.00} for service after they forgot to cancel my service after I called and told them to cut it off. They sent the debt to collections. After I filed an FTC complaint I received a call from their corporate office stating it was a mistake and was sent a letter saying the debt was forgiven and no payment was owed. Since then I have continuously gotten calls up to 10 times a day trying to collect this debt. Each time I provide the debt collectors with the letter XXXX gave me they just sell it to a new collections agency. The current holder of the debt is Collection Bureau Hudson Valley
03/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 078XX	Web	Servicemember
XXXX claimed that I owed them money after my account was closed. They sent a debt collection agency after me months ago. I provided them with all the paperwork which showed that XXXX actually owed me money. Once they did not contact me anymore, I assumed the matter was settled. Now I received a new letter from a new collection agency, once again stating that I owed money. I tired to call XXXX but they said they have nothing to do with it once it is turned over to the agency and I have to deal with them. I do not understand why I have to continue to have to deal with another agency once I settled everything with the first one.
10/05/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11717	Web
I waspassenger in a car that was involved in a motor vehicle accident. where it was 3 people in total in the car. we where transported by XXXX volunteer ambulance service to the hosiptal all of us went in the same ambulance at the same time to the same hospital. I checked my credit report to find this ambluance ride on my XXXX XXXX and XXXX and XXXX credit report. i contacred the ambulance and the debt collector to not be able to get the matter resolved i do not have issue paying the bill but im want to dispute the amount of XXXX for me to pay when there where 3 people in the same ambulance.
12/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11210	Web
On XXXX XXXX, 2020, COLLECTION BUREAU OF add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA COLLECTION BUREAU OF has violated my rights as a consumer and I requesting legal action to remove this account immediately.
08/27/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	IL 60621	Web
I have written to the company to dispute the debt. I received a response with a print out of a supposedly show of payment and finance fee with only referenced info from 2014. I asked that a complete show of orders and payments with proof of payment via check or credit card and that was not sent. I have written to the original creditor who has not responded but they are reporting the debit to the cra 's who keep validating the debt I have asked the cra 's to validate the debt as well. The original creditor is reporting the debt under XXXX XXXX XXXX XXXX & XXXX XXXX on my credit reports
01/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37217	Web
On XXXX XXXX, 2020, CLLCN BUREAU OF THE HU add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CLLCN BUREAU OF THE HU has violated my rights as a consumer and I requesting legal action to remove this account immediately.
08/28/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 78108	Web	Servicemember
Received phone call from Collection Bureau of the Hudson Valley on XXXX XXXX and XXXX XXXX from XXXX. I pay my bills on time and have forever. I have nothing in collection status. My credit score is XXXX. I listened to the robocall message which stated to " Press 1 '' to speak to someone. I wanted to tell them to take my number off their call list. I've done this on both calls, but no one ever comes on the line. This company not answering the call so I can tell them to remove my number from their call list is unacceptable. I find this behavior harassing and abusive.
03/20/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 12590	Web
I have two collection accounts listed w this collection agency. I have been asking for proof of debt, no response. I sent a dispute through CFPB- their response was they couldnt locate my account. I gave the last 4 of my social because that is all the information that I have. I have asked several times to have this removed. Since I havent been given the proper paperwork to prove this is my account. New legislation takes affect that medical under {$500.00} will be removed. Please remove this- I am prepared to seek an attorney to sue you guys for several violations.
07/31/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	PA 183XX	Web
a debt went on my credit report that is not mine. someone used my real name, a wrong address and a wrong medical card number and this bill went on my report. i am enclosing copies of my medical card my license with my correct address and their bill showing my Wrong address ( never heard of ) and a medical card number on bill that is not my number, someone used my name and all the other information is not mine. i have medical insurance and have for several years, this was some emergency visit and i have n't been to the hospital in years. i also have insurance.
02/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11356	Web
THIS IS NOT MY ACCOUNT I HAVE NO IDEA WHO THIS PERSON IS OR WHAT THIS COMPANY IS I CALLED IT SAYS ITS A COLLECTION AGENCY BUT THEY CANT FIND MY INFO WHN I CALL AND I HAVE NEVER OWED MONEY TO ANY ONE IT SAYS I WAS IN COLLECTION THEY ARE NOT MY ACCOUNT NOR ARE THEY A CREDIT REPORTING FACILITY THEY ARE NOT A CREDIT CARD AND I HAVE NO COLLECTIONS NOTICES OR ANY KIND OF COMMUNICATION THIS IS NOT MY ACCOUNT REMOVE IT NOW IT SAYS PAID AND CLOSED THEN REMOVE IT AS IT IS HURTING MY REPORT AND IT IS NOT MY INFORMATION DELETE NOW
10/02/2023	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	NY 11706	Web
collection bureau Hudson valley You have communicated with me a consumer in connection with the collection of a debt Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction in failed the requirements imposed pursuant to 15 usc 1692c ( a ) see exhibit ( A ), you are in violation of the FDCPA, pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such failure and held liable to fines up to XXXX
03/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10950	Web
I requested my XXXX and XXXX XXXX account to be closed whan I moved to a new address. XXXX and XXXX only shut it a few weeks later, and as a result I received a bill for a time period of several weeks during which I did not reside at that address anymore. I believe that I shouldn't be paying this bill. Collection Bureau of the Hudson Valley is attempting to collect this debt and has reported it to the credit bureaus. I an requesting this collection to be completely deleted from my credit report.
10/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 303XX	Web
Upon checking my credit report l, there was collection for Collection Bureau of Hudson Valley I requested information to verify the debt from collection agency, they only had my current address. After I researched the original company and I found out this collection is for a cable service in Florida. Ive never lived in Florida. Ive disputed this with the credit bureaus with no success. This debt is not mine, and I can not afford to pay for something that does not belong to me.
05/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10710	Web
I cancelled my internet and phone service with XXXX and returned my equipment in person to the store on XX/XX/. The person at the store confirmed that I was owed a balance of {$.00} for disconnecting early. However, I was sent a bill from a debt collection agency on XXXX and XXXX saying I owed {$150.00}. I wrote back to the debt collector with documentation on XXXX and XXXX. I called XXXX on XXXX but they refused to remove charges. CBHV Reference # XXXX ( XXXX Account # XXXX
01/21/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	NY 10940	Web	Servicemember
Like I have provided I have been in prison I am currently receiving disibility check from the veteran department since this loan is now at the seven year mark and theres no way I can realistic pay it with what I make would this company consider a 1099c or if your company coild please remove it from my credit report I was not notified of the account going into forcloser and I have no way to pay it and it is now in the seven year period allowed bi federal law to report.
04/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 109XX	Web
This debt was for water filtration service that was not completed and under dispute. Moreover it was not in my name it was in my ex-husband 's name. The company XXXX XXXX which is now owned by XXXX gave the collection to a collection agency depsite the fact that it was under dispute and not in my name. They added my name to the debt without any agreement or authorization from me. Morever they never responded to the substantive claims of my dispute.
08/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 120XX	Web
There is a medical debt from Collection bureau of the Hudson dated XX/XX/2017, that is showing on my XXXX credit report. I have disputed this deb multiple times to the Collection Agency as well as with XXXX. XXXX is telling me that the debt is valid but it isn't. It's not my debt and should not be on my credit report. I have sent valid proof and documentation to XXXX that this is not my debt. The collection agency refuses to respond to my letters.
06/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33139	Web
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 also states a consumer report agency can not furnish an account without my written instructions. The company also refused to validate the debt and send me proof the balance is accurate in writing on our phone call on XX/XX/2022.
05/04/2022	Yes	Debt collection Medical debt	False statements or representation Told you not to respond to a lawsuit they filed against you	NY 11550	Web
I do not know who this company is. they are fraudulently reporting a medical collection on my credit report, and I never gave them permissible purpose to report any of my information. Collection Bureau of Hudson Valley Inc are in violation of USC 1681b and I want them to be held accountable for their wrongful actions taken against me. I already sent them a letter in writing to requesting to remove it and they blatantly ignoreded.
03/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90008	Web
I was seeking federal funding, and I checked credit report before. I noticed some activity I did not recognize that I believe to be a mistake ( error ) or fraudulent. I have a collection reported from a collector in XXXX, New York ( Collection Bureau of the HU ). This is an error, if not then it is fraud. This is causing me distress and discomfort. Remove these negative marks and send me an updated credit report please.
05/13/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32536	Web	Servicemember
I never received any information about this debt. I have written letters asking for validation with no response. This company has also reported the same account twice, at the same time, to XXXX during a previous dispute. They have committed multiple FCRA violations and XXXX refuses to remove the account. This account has also been deleted from my report multiple times, only to be added again within a day or so by XXXX.
05/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10035	Web
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
10/26/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	ME 040XX	Web	Servicemember
I have been receiving phone calls almost every day for the past 10 months regarding these bills I never paid, which I indeed have, and they keep coming up with false secondary charges/hills after I already pay XXXX off. And they constantly Harass me calling me during my work day and disrupting me, and do nothing to resolve this issue. They have yet to send me any itemized paperwork stating these bills are real.
07/18/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30907	Web	Older American, Servicemember
My father died last month, since then I have been getting calls and debt collection letters on accounts that were closed, The collection bureau of the Hudson valley sent me a bill with a larger amount that the credit limit I had. It also showed activity including payment in 2016, I sent them a copy of my bank statement showing I did not pay or charge anything last XXXX as my father as in the hospital.
07/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	DE 199XX	Web
This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them! Please review your records regarding this account, as we have established your bureaus propensity for reporting inaccuracies and remove this item. Immediately.
10/14/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 306XX	Web	Servicemember
I have tried multiple times with credit bureaus and consumer to get this fixed they are reporting false information I paid this in full selltlrment that they offered. This should not be reported charge off and that I owe some on this debt can you please get them to fix this on my credit it is hurting me having a reinstated charge off it is not right I did my part now they need to fix it thank you
04/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CT 067XX	Web
this dept is not mine I called the company previously several times. I offered to pay because I didn't want in my credit report they refused to take money now this thing is in my credit report. I did not get this account my daughter ordered cable I 2020 when coded started she is responsible foe the bill. I did not t this bill what license did they get to show proof that I got this bill
02/08/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 124XX	Web
XXXX from cbhv called about a medical debt I believed was paid last year by to another debt collection agency or to health quest directly. I asked her to return it as a dispute and she said she isn't going to do anything basically insinuating I was a dead beat she said obviously your not doing anything about this I again requested a dispute she again insulted me and hung up
02/14/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	VA 23112	Web
I have email on XXXX XX/XX/2022 that XXXX XXXX XXXX Hudson valley charging me debt collection of {$26000.00} to settlement price {$9700.00}. it has somebody else surname on collection report. That's not me. My address is wrong too. when i talked to person on phone he could not pull up my record first and then said you collection would be {$14000.00} something for paid off.
07/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30277	Web
I received a voicemail the week of XX/XX/XXXX and a letter on XX/XX/2021 from the Collection Bureau of the Hudson Valley attempting to collect debt from XXXX for a service balance of {$260.00}. I have never had a XXXX account. I reviewed my records and my credit reports to verify ( I am a victim of identity theft and have a credit reporting and monitoring service ).
05/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 01720	Web
This showed up on my credit report. It is not my debt and the company took no responsibility for it when I called them. They would not help me and suggested that I file a complaint. A screen shot of their entry on my credit report is attached : COLLECTION : Highest Balance : {$530.00} Amount Due : {$320.00} Company name : CBHB XXXX XXXX XXXX XXXX. XXXX, NY XXXX
02/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11233	Web
I have been in direct contact with the company that the services were provided with. payments has been made account balance is XXXX however the account is moving from creditor to creditor without verifying the information .... most recent creditor never contacted this writer in reference to the account however their name is under creditor on my credit report
03/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77583	Web
I was notified by Collection Bureau Hudson Valley , Inc. of a debt allegedly owed. I mailed out a debt validation letter seeking such debt owed to this collection agency. Collection Bureau Hudson Valley XXXX Inc. responded with an account summary/details. I also sent dispute notice to all three credit bureaus. This is not sufficient enough to validate debt.
12/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 10025	Web
This company has harassed me with calls over the course of a year to collect a fraudulent {$16.00} debt to XXXX. The debt does n't exist. I just called XXXX to make sure. In XXXX the company, I discovered lawsuits against them for exactly this thing that I 'm complaining about -- fraudulent claims that they are calling to collect small debts owed to XXXX.
10/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 081XX	Web
Received several calls claiming to be from the " Collection Bureau of the Hudson Valley '', stating that I have an outstanding debt that is now in collection. Upon evaluating my credit reports, I have no outstanding debts. Calls were from XXXX, with request to call back XXXX. Received the calls on many occasions, including XX/XX/2020, and XX/XX/2020.
09/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11203	Web
I was told that the account would be fully removed from credit upon payment. It has been XXXX weeks and the account is still reporting. Please remove the Coll bureau collection from the credit as it a fully paid medical collection and should be removed. Please see confirmation of payment attached. The account was settled for {$1000.00} and paid
05/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NY 10940	Web	Servicemember
after i filled a cfpd complaint # XXXX Your statement said that the account was closed and removed from my credit report yet it is still appearing on my credit report. please remove all negative remarks from my credit your statemtn said it was removed from my report in year 2021 thats two years ago and yet it still appears on my credit report
04/19/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NY 11221	Web
XXXX XXXX XXXX XXXX has posted XXXX negative marks to my credit. XXXX, XXXX, XXXX, and XX/XX/XXXX. Additionally XXXX, XXXX, and XX/XX/XXXX. They claim I owe {$350.00} charge for a paramedic from XX/XX/XXXX. I never received any notices of this charge, and was unaware that I owed anything. I didn't receive care from a paramedic on XX/XX/XXXX.
07/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 752XX	Web
When I received the first call I said not to call me at work. Then I continued to receive calls that would advise it is the Hudson valley and to push a button on the phone to connect with an operator. After I started to write down each time I received a call at my place of employment. It has been 6 months and they 're still doing the same.
01/28/2016	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	OH 450XX	Web
Received a voicemail from the collection bureau of hudson valley attempting to connect on a debt that is to old to collect on. .i sent then a letter in writing upon receiving collection attempts XXXX then via mail that this debt is from 7 years ago. Please cease and desist from contacting me. .apparently they digs not follow this request..
04/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34744	Web
I have received a letter from CBHV stating that I owe XXXX in an XXXX bill. I never in my life lived at the address I dont live in XXXX and never took out service in XXXX XXXX I take this matter very seriously and need this resolved ASAP. Also show me proof that I opened this account I have never in my life did any business with XXXX.
01/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08302	Web
XXXX is claiming I owe {$340.00} which was sent to XXXX XXXXXXXX XXXX XXXX XXXX to be collected. I called both companies which advised me the name and information on account didnt belong to me. However it was not removed from my credit. The home address on the account is from New York, which I never lived in NY a day in my life.
02/13/2019	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TX 76028	Web	Servicemember
I spoke to a lady at CBHV ( collection bureau of the hudson valley inc. ) named XXXX XXXX and she was extremely rude, uncooperative, and would not give me the required contact information i requested. I asked repeatedly for her to calm down and she just kept yelling, interrupting me, and would not let the conversation continue.
07/26/2023	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NY 11226	Web
I sent a certified validation letter to Collection Bureau XXXX XXXX on XX/XX/2023. After 30 day no response! I sent a second certified validation letter on XX/XX/2023 it was return back to me. ( return to sender ). It been 50 days. NO RESPOND Collection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ACCT : # XXXX {$830.00}
12/03/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92882	Web
I am a XXXX citizen an I applied to refinance my Reverse Mortgage and discovered that during the moratorium on debt collections in the State of California that XXXX Bank had not only sent my account to collections but both companies XXXX and a XXXX XXXX were both attempting to collect and reporting negatively on my credit.
11/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10458	Web
XXXX 2014 I cancel and paid the balance on my account withcable company XXXX turn in all their device .I was contacted bydebt collection company saying I owed this company money for months of XXXX and XXXX all the way till XXXX how can they claim for money owed on service I never received. remember XXXX my account in XXXX.
06/18/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 10466	Web
i have sent this company XXXX letters disputing the debt and asking for validation. I even dispute it with the credit bureaus. They ignore me, but they went ahead and verified it with the credit bureaus. how can they collect a medical debt when i have insurance, plus i dont even know who the original creditor or doctor is.
05/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10025	Web
Received a letter in the mail Monday, XX/XX/23, from Collection Bureau Hudson Valley, claiming I owe {$780.00} to Optimum. I have never had an Optimum account and do not owe them anything. This fraudulent communication is bothersome and potentially harmful to those who may not realize they don't owe anything.
01/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11210	Web
There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. COLLECTION BUREAU Reported : XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
05/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10954	Web
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary. I need to see all paperwork associated with this account
10/16/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 07106	Web
After contacting my current insurance provider it has been indicated that the amount requested {$1000.00} from : Collection Bureau Of Hudson Valley Inc. Is inaccurate. Therefore I would like to request that this collection agency provide the actual original bill for all services provided.
07/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 125XX	Web
We received XXXX collection calls from CBHV, but we have no overdue debt. I told CBHV that I was not XXXX XXXX, the person they say they wanted ; I was assigned this # only a XXXX ago.They said they had already taken us off their calling list, but called again ( XXXX time ) an hour later.
07/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11717	Web
Collection company call me asking about another person try to collect all my info then report the account to the bureau knowing they have the wrong info I ask for proof Id social never provided. They have the wrong info and they are trying to make me paid for a account that is not mine
03/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11212	Web
Collection Bureau of Hudson is reporting a fraud account on my credit. I didn't open this account nor did I authorize anyone to do so on my behalf. Please see the attached FTC report and my Driver License. Please remove this account from my credit profile as the account is not mine
09/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MA 021XX	Web
A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.
09/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10012	Web
I got a letter in my mailbox two weeks ago stating I owed {$1300.00} to " XXXX XXXX '' on XX/XX/2019. I have never used services from this company. I have responded by email to their designated account id on the collector 's website, but have not heard from them yet.
03/24/2017	Yes	Credit reporting	Incorrect information on credit report Account status	CT 06704	Web
I made a payment arrangement with CBHV and sent a written request to remove all verbiage pertaining to dispute and to report accurately to all XXXX credit agencies to reflect the 6 months of on time payments as agreed. To this day they have not responded adequately.
03/11/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NY 10303	Web
I XXXX was taken in an ambulance. I was told by the clinic/hospital that my Health Insurance will fully cover the ambulance ride or service. I recently a bill from a Debt collector.The amount is for $ {$710.00} ... I was falsely given information about my coverage..
01/31/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 33610	Web
At the time of this encounter, I was covered by medical health insurance and provided same to the provider at the time of service. Additionally, the provider indicated that they were an In-Network service provider at the time I scheduled the appointment.
12/15/2023	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	TX 77007	Web
On XX/XX/XXXX I received a notice in the mail from CBHV trying to collect a debt on a student loan account. After review of the notice and the amount said I am owed, the numbers are inaccurate to what I actually owe to the student loan account.
11/16/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	ME 040XX	Web	Servicemember
Once again this company has disrupted my day and called me during business hours when I have clearly told them to no call me from XXXX XXXX Constantly calling claiming I owe them 1000+ when I already settled it with the insurance agency.
06/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CT 06610	Web
Collection Bureau of Hudson Valley put a negative collection account on my credit file regarding a optimum bill in the amount of {$290.00} this was included in a bankruptcy in 2019. I never received notification from them.
05/16/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY XXXXX	Web
These folks have been robo-calling me at the office about a debt owed to a " XXXX . '' I am not XXXX and I do n't owe them any debt. I called them and asked them to stop calling me and they were rude and hung up on me.
11/03/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
I was hit by a collection agency without any written notification of what it was in reference to. The Collection Bureau Hudson Valley is not a good corporate citizen and is trying to shake down Americans who owe nothing.
06/12/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07011	Web
The company had send bills and other documents. I have request information from regarding Financial Aid that should have cover this balance. The company has closed this debt and did not remove it off my credit reports
03/04/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	TN XXXXX	Web
i have paid the debt 2 months ago and XXXX continues to report a paid debt to different collection agencies. claiming a paid debt is still due. i have receipts showing it was paid, they send it to collection agencies.
07/29/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 76114	Web
Collection Bureau of Hudson Valley keeps calling my house seeking someone we do not know. Rather than find the correct debtor, they continuously call us. The most recent call was on XX/XX/19 at approximately XXXX.
11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NJ 07071	Web
XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to COLLECTION BUREAU OF THE.
04/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 088XX	Web
I disputed a collection account that is listed on my credit report by CLLCN BUREAU OF THE HU., XXXX XXXX XXXX XXXX, XXXX , N. Y. XXXX. They are attempting to collect an alleged debt that I do not owe.
06/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 12553	Web	Servicemember
My name is XXXX XXXX I saw my credit report had a debt for a person with the name of XXXX XXXX on it I called the collections agency XXXX and told them so they can remove it they have not done so
12/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10801	Web
Collection Bureau of the Hudson Valley INC # XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX ( XXXX ) XXXX XX/XX/2016 balance : {$780.00} XXXX XXXX XXXX This is not me! I was not in an ambulance.
03/08/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 12205	Web
A company with the phone number XXXX calls both my cell phone and work phone repeatedly. They do not leave a message, merely stay on the phone long enough for a voice mail to register.
05/26/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	NY 12603	Web
My company received a call from XXXX XXXX asking for me, I did a web search and they have had complaints from the FTC filed, and I do not believe they should contact my workplace.
04/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84601	Web
Collection Bureau of Hudson Valley is double reporting on my credit file with XXXX XXXX. This is erroneous and needs to be removed off my credit. This is a violation of the FCRA
03/20/2017	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me instead of my attorney	NY 11432	Web
I paid my payment by installment last three months,XX/XX/XXXX $ XXXX $ XXXX {$80.00} each time i request the receipt for above payment but still they not providing the riciept.
05/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76903	Web
I found the collection on my credit report and call the company and asked for verification of debt. They asked my address I told them however they had the incorrect address.
01/18/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 61107	Web
i don't know why they keep sending me a bill for this at XXXX XXXX this was under my bankruptcy stop doing this to me, the account # XXXX that is for XXXX
03/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 80221	Web
These collections were placed on my credit report and I have no recollection of them. No one contacted me to try and resolve the issue.
11/08/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	OR 97005	Web
I called the number on my XXXX credit report and they talked to me briefly and then hung up on me after asking how I got that number.
05/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10002	Web
Collection Bureau of Hudson Valley INC sent letter for debt for services not solicited or received in the amount of {$850.00}.
04/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77036	Web
when i saw my credit report, I saw that there are accounts that i never applied for nor had communication with
08/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NY 10456	Web
This debt is not valid I was never notified about this debt and it keeps reappearing on my credit report
09/01/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28451	Web
I was billed {$340.00} for a XXXXt instead of my insurance despite the lab having my XXXX information.
04/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CT 067XX	Web
this account was put in my credit report falsely. I want it removed
07/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10461	Web
unauthorized use of my credit report. direct hippa violation
04/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TN 38135	Web
I didn't open this account
03/25/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	NY 139XX	Web
Never had a student loan
02/13/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 127XX	Web
not mine insurance paid
01/09/2024	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75071	Web

01/07/2024	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive notice of right to dispute	FL 33127	Web

01/05/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10950	Web

12/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10950	Web

12/20/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11561	Web

12/18/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 10950	Web

11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76063	Web	Servicemember

11/08/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was paid	OK 73077	Web

10/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 08701	Referral

08/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 79363	Web

08/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07022	Web

08/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06340	Web	Older American

07/31/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 11106	Phone

07/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11106	Phone

07/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 18103	Web

06/26/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 074XX	Web	Older American, Servicemember

06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NJ 07031	Web

06/20/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11216	Web

05/22/2023	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	NY 106XX	Web

05/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10970	Web

05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78726	Web

05/09/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28216	Web

05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 182XX	Web

05/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75069	Web

04/24/2023	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	NY 10301	Web

04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 12065	Web

04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 182XX	Web

04/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10460	Web

03/29/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 10970	Web

03/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85323	Web

03/17/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NY 12528	Web

03/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10468	Web

02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75160	Web

01/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07650	Web

01/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 12701	Web

01/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 12547	Web

01/10/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10030	Web

01/09/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 10708	Web

01/07/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06880	Web

12/25/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 07106	Web

12/23/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11550	Web

12/22/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NY 10462	Web

12/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30144	Web

12/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 080XX	Web

12/15/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11550	Web

12/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11223	Web

12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11550	Web

11/22/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10977	Web

11/19/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11550	Web

11/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11212	Web

09/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WI 53704	Web Referral

08/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11224	Web

08/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93536	Phone	Older American

08/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 17602	Web

08/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11507	Web	Older American

07/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PR 00698	Web

07/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 10462	Web

06/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30344	Web

06/15/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	TN 37216	Web

06/09/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 10458	Web

06/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30906	Web	Older American

06/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10021	Phone	Older American, Servicemember

05/29/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NY 10462	Web

05/19/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 10566	Phone	Older American

05/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08057	Web

05/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33139	Web

05/16/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	TN 37216	Web

04/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11208	Web

03/30/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IL 60006	Web

03/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 12590	Web

03/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07202	Web

03/01/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19150	Web

02/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 18466	Web

01/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95552	Web

01/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11226	Web

01/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	UT 84119	Phone

01/07/2022	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	OK 74133	Phone

12/25/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 10580	Web

12/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34759	Web

12/16/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AL 36203	Web

12/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07631	Web

11/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NJ 07026	Web

11/12/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32210	Web

10/28/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10598	Web

10/27/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07055	Web

10/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10463	Web

09/28/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	CO 80909	Web

09/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CT 06811	Web

09/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10035	Web	Servicemember

09/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43147	Web

08/31/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11717	Web

08/31/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11717	Web

08/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10458	Web

08/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DE 19701	Web

08/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11757	Web	Older American

07/31/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 12764	Web

07/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06901	Web

07/28/2021	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NY 10950	Web

07/20/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 12123	Referral

06/12/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 11725	Web

06/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10466	Web

06/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 10469	Web

05/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11205	Web

05/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 20189	Web

05/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77357	Web

05/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77036	Web

05/09/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07111	Web

05/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 24121	Web

05/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 24121	Web

05/06/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

04/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23601	Web	Servicemember

04/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10034	Web

03/30/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NC 28744	Web

03/25/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 12550	Web

03/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 14220	Web

03/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	DE 19808	Web	Older American

03/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30144	Web

03/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33071	Web

03/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 13790	Web

03/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10952	Web

02/22/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11421	Web

02/15/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NJ 07208	Web

02/10/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33015	Web

02/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 72543	Web

01/22/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	DE 19934	Web

01/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08854	Referral

12/30/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33015	Web

12/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78610	Web

12/17/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11706	Web

11/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11784	Web

11/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37660	Web

10/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10562	Fax

10/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11961	Referral

10/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10463	Web

10/14/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NY 11372	Web	Older American

10/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 10805	Referral

10/01/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

09/12/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 10035	Web

09/12/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 10035	Web

08/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 76227	Web	Servicemember

08/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06604	Web

08/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11951	Web

07/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45140	Web

07/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 76227	Web

07/06/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 11746	Web

06/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95631	Postal mail

06/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11218	Web

04/30/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 12561	Referral

03/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08021	Postal mail

02/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10952	Web

02/05/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount		Phone

02/04/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TX 77591	Postal mail	Older American

02/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11221	Web

01/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97225	Referral

01/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30189	Web	Servicemember

12/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 79105	Web

10/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 10472	Web

07/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 12534	Web

07/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11743	Web

07/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27803	Web

06/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77459	Web

05/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11501	Postal mail

05/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11358	Web

04/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30620	Web	Servicemember

04/01/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount		Phone

03/20/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48312	Web

03/20/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48312	Web

03/04/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90028	Postal mail

02/28/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 11412	Web

02/19/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 11003	Web

02/09/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 12603	Web

01/16/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11234	Postal mail

12/26/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt		Referral

12/20/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	PA 19342	Web

11/27/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33308	Web

11/19/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33308	Web

10/11/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted your employer	NY 10463	Web

08/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 07022	Web

07/12/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	SC 29708	Referral

05/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 18407	Fax

05/03/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 43635	Web

03/22/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33461	Fax

03/22/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 11365	Web

03/09/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11369	Web

03/06/2018	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	NY 11434	Web

02/22/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07035	Web	Older American

02/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48080	Postal mail

02/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07021	Web

02/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 71112	Web

01/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35806	Web

01/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10603	Fax

01/11/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07055	Fax

01/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32714	Referral

12/20/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MI 48080	Postal mail

11/16/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33433	Web

11/01/2017	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NY 11980	Web

10/09/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11205	Web

09/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70817	Web

09/11/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

08/22/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10705	Web

05/12/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11003	Postal mail

05/10/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 20148	Referral

04/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11204	Web	Older American

04/20/2017	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	CT 06450	Phone

04/18/2017	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	MD 20854	Web

04/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 12601	Web

03/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 07011	Web

02/22/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	TX 75115	Phone

02/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 18015	Web

02/02/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	NY 11530	Referral

01/31/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 10975	Web

12/28/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	NJ 07050	Web

11/18/2016	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	NY 13036	Fax

09/23/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 12212	Postal mail

09/01/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NY 12586	Web

08/15/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10314	Web	Servicemember

05/18/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	NY 10013	Web

05/03/2016	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	FL 33017	Web

04/28/2016	Yes	Debt collection Non-federal student loan	Communication tactics Threatened to take legal action	FL 33017	Web

03/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30341	Web

03/04/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MA 01106	Web

11/13/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OH 43074	Phone	Older American

10/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	MI 48044	Phone

08/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 10039	Referral

08/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 34952	Phone

07/05/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	PA 18328	Web

06/12/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WI 53705	Web

05/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 11003	Web

05/01/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10475	Web

03/21/2015	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	PA 18702	Web

03/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NY 10705	Web	Older American

02/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10452	Referral

02/17/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 13035	Web

12/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 91711	Referral

12/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	FL 33414	Web

11/22/2014	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	NJ 07621	Web

11/12/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	CT 06877	Web

11/04/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CT 06511	Web

10/29/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 07013	Web

10/17/2014	Yes	Credit reporting	Incorrect information on credit report Account terms	FL 32303	Web

10/13/2014	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	VA 22192	Web	Servicemember

10/08/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33012	Web

09/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AL 35758	Web	Servicemember

09/25/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NY 12566	Web

09/15/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 07110	Web	Older American

09/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 34237	Postal mail

07/28/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 07028	Web

07/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 95726	Phone	Older American

07/15/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 07462	Web

03/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 44199	Web	Older American, Servicemember

02/03/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	NJ 07039	Postal mail

12/14/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 12524	Web

10/28/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 10573	Postal mail

10/25/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MA 02302	Web

10/01/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60505	Postal mail

08/22/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22201	Web

08/05/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 12919	Web