WillisBack/dataset-financial-user-claim huggingface dataset:
Called and submitted documents via fax and certified mail. I've asked how were these documents verified to be mine and reported correctly. The rep said it wad done electronically with short codes, and there is no such thing as a manually investigation, on top of that the representative wasn't even located in the USA. I'm not understanding how this could be, for one there are so many breaches and hack on the regular, and come to find out, someone outside the country whose not even a citizen has all of my personal information. I received a notice in 2017 from one the credit reporting agencies that all of my personal information that they had on me was exposed to XXXX knows how. I am not at the point of trying to seek legal assistance, I am a state employee, working for a college, i take my finances serious. I'd like for this information to be removed from my profile.
An account on my credit file is not of my own doing. Unbeknownst to me XXXX XXXX placed me onto her credit cad with XXXX XXXX as an authorized user in which she opened XXXX XXXX, 2016 with a credit line of {$3000.00}. I contacted XXXX XXXX and had myself removed and advised I need this information removed from my credit file and was advised it would not be reported if I wee removed immediately. I explained to them I never asked for this and was not aware of this. I also contacted Equifax, XXXX and XXXX and was advised to contact the creditor. I am being told by the credit bureau to contact the creditor while the creditor says contact the credit bureaus. I want this removed from my credit report immediately.
I borrowed {$8000.00} from my former Bank Wells-Fargo to complete XXXX school in XXXX XXXX. I started making payments on the loan six months after graduation ( which was XXXX XXXX ) and even though I have been paying approximately {$93.00} per month since then, the bank applies most of my payments to interests leaving me still owing more than {$8000.00} as at today XXXX, XXXX. At this rate I feel the bank wants to keep me perpetually indebted to them. With a 9.4 % ( manipulated fixed term rate on the loan ), I feel I have been taken advantage of and I want to take the matter to court. I am not trying to get out of paying the loan, I just need to be treated fairly. Please direct me to a legal service in XXXX, Ga that can help me.
I was the victim of an Illegal Debt Collection Lawsuit Mill owned and operated by XXXX XXXX XXXX XXXX XXXX, a Georgia-based law firm. From what I can tell, apparently XXXX XXXX XXXX XXXX XXXX take care of all the legal proceedings for Midland Funding, a company that purchased my credit card debt from XXXX, in the amount of {$3500.00}. 

Back in XXXX, I went through a financial hardship, and was having difficulties maintaining my mortgage payment and keeping up with credit card debt. I had no choice but to walk away from our home and all debt. As a consequence for my financial irresponsibility, my credit score dropped all the way down to XXXX and stayed there for over 7 years, making it very hard for my wife and I to purchase things like automobiles, a new home, or get any type of new credit. 

At the XXXX, nearly 7 years later, most of that bad debt started to drop off of my credit report as a result of the Fair Credit Reporting Act ( FCRA ) rules and regulations. Through secure credit cards and other means my credit score started to improve ( XXXX ). 

Then in XXXX XXXX, while logging into my credit monitoring account ( XXXX ), I noticed that my credit score had dropped significantly. It was the result of a new default judgement showing up as a public record. Here are the details of this judgement : Date Filed : XXXX/XXXX/XXXX Reference # : XXXX Court : XXXX CO Magistrate Plaintiff : Midland Funding LLC Amount : {$3400.00} I was never given notice of this lawsuit, nor was I ever served. I believe this debt had already exceeded the statute of limitations from the date of last activity ( DLA ). Yet, it is not haunting me, and preventing me from purchasing a new home many years later. 

I also found this article published on your site related to the the unethical business practices used by XXXX XXXX XXXX XXXX XXXX, in attempt to make financial gains, through the use of questionable default judgements, at the expense of their victims. 

http : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-to-stop-illegal-debt-collection-lawsuit-mill/
Got an email from " Ace Cash Express '' with a telephone number in Texas. Said I was approved for XXXX-XXXX with payments of XXXX/month for 36 months on XXXX. I have to retain an attorney which is why I wanted the amount. They told me that due to a low credit score, I needed to send XXXX via an apple ITunes gift card. As I need this loan I did. Then I hade to pay a {$240.00} application fee. Then another {$230.00} for " state of TX tax ''. Now they claim I bought the wrong card so they wo n't release my loan. I 'm out {$670.00}! Called from XXXX email is XXXXXXXXXXXX
I have disputed this account with 3 credit bureaus and the information is not correct. I asked them to remove this account due to no debt validation and it has not happened. It comes back as verifired when it really according to law was not. According to 2 credit bureaus it is showing as a closed date of XXXX but openedXX/XX/XXXX. How is it possible to be opened in year and closed 2 years in the past. Information is not correct and it was removed from one report and added back without letting me know that it would be.
I want to file a complaint against Discover card. My account with them was paid in full when they closed my account right after I paid the balance to XXXX in XXXX. Discover is now reporting on my credit that, the debt was discharged as part of a bankruptcy. 
I have taken the steps to dispute information being reported by Discover Card on my credit report with XXXX and the case has been resolved unfavorable to me, despite having shown proof of its inaccuracy. 
I filed a chapter XXXX Bankruptcy Date Filed : XXXX XXXX, XXXX, and no credit card debt was included in the bankruptcy. Only a charge off auto loan and 2nd mortgage debt. I have attached documents from the bankruptcy trustee showing the items included in the repayment plan. Discover XXXX credit card for XXXX was paid in full by me before I ever filed bankruptcy. Now they are reporting on my credit report that the debt was included in the bankruptcy which has/continues to adversely affect me. It should be reporting as a paid closed account with a XXXX balance as of XXXX, showing I had a high balance of XXXX and paid it down to XXXX. not that unsecured credit card debt was included as a part of a bankruptcy. This is not fair credit reporting. Please require Discover to provide proof of my last payment to them and last statement. Which will show I paid this in full prior to my ever filing bankruptcy and XXXX money was paid to them or included in the bankruptcy plan. 
I have also attached they last statement i have showing my balance at XXXX before they closed they account, prior to the bankruptcy.
AmSher is attempting to collect on a debt that I do not owe. I mailed a certified debt validation letter to their company requesting specific documentation to validate the debt which are a signed contract with my signature binding me to this debt that they are claiming I owe. Also I asked for information regarding how much they paid for the debt, and other important documents which I have not received therefore the debt has not been validated. AmSher only sent an account summary no signed contract. By law the FCRA requires debt validation which has not been done by AmSher they are in violation with the FCRA and I will file a lawsuit if this debt is placed on my credit reports!
On two occasions, one in XX/XX/XXXX and XX/XX/XXXX, my checking account XXXX, was compromised for the amount of {$500.00} to pay on my Citizens Bank Credit Card Account,XXXX without my authorization. 
Again on XX/XX/XXXX this happened again when I made a monthly payment of XXXX dollars XXXX/XXXX, to the credit card account and the bank " took '' " without authorization '' XXXX dollarsXXXX/XXXX as a credit card payment on XX/XX/XXXX. 
I called Citizens bank and they 're very incompetent over the phone and have incompetent persons asking irrelevant questions and not solving problems. 
Twice this year and I 'm afraid that my account has been compromised! When I told this to the Customer Service Representatives, they had no solutions to this issue. 
I need the Commission to look into this matter because the Bank '' Citizens '' is n't functioning in a normal fashion in the interest of the customer.
XXXX XXXX XXXX is re-reporting a collection that I disputed in XX/XX/2018. The collection in question was subsequently deleted after the collection agency failed to properly validate the debt in question ... now they have reported it again to the credit bureau and have still not validated the debt per the Fair Debt Collections Practices Act, 15 USC 1692g Sec 809 ( b ) ... Furthermore they are in direct violation of the Federal Hippa Laws ... A breach of protected health information ( PHI ) is defined as the acquisition, access, use, or disclosure of unsecured PHI, in a manner not permitted by HIPAA, which poses a significant risk of financial, reputational, or other harm to the affected individual.
A dispute with XXXX  XXXX XXXX about reporting of a foreclosure on a HELOC account was corrected by XXXX. They sent all 3 credit reporting companies a letter to correct the account. XXXX  and XXXX   understood the letter and corrected our accounts. Equifax did not make proper corrections. They made the change to show the HELOC charged off, but they did not remove all of the 180-day late postings back to XX/XX/XXXX, as they should have. They are still incorrectly showing 180-day late for every month through XX/XX/XXXX. They sent us a letter stating that they made changes based on XXXX responses, but they clearly didn't read the letter closely. 

Refer to CFPB dispute number XXXX.
I was instructed to bring down money orders by a remote counselor with NACA to the XXXX office. While there, I was threatened by one of the counselors. At this time, I do not feel safe with the counselor and receptionist having access to my personal information such as my social security number, bank accounts, credit report, address, and children 's personal information.I requested from the District Manager to have my informational locked and secured in their system but he has yet to respond. I do not feel safe at this time with people who are threatening me who have access to my personal information. XXXX, the counselor who threatened me made it seem like he was going to do something with my personal information. I do not want to be a victim of identity theft and I do not want anyone having access to my bank account information to be stealing money out of my account. The staff at that office has been caught in numerous lies on voice recording. With these kind of practices, it leads me to believe they will use my personal information other than what it is intended for. NACA has several complaints online about the professionalism of the mortgage counselors which is what makes me feel like they do n't follow any ethical procedures. I do not want to risk any of my personal information.
RAzOR Caital LLC delivered court docs ( XXXX-XXXX personal pages ) to my home simply stapled no envelope ; to a roommate and I believe my privacy rights were violated. This is because new roommate ( non relative of two weeks ) was able to have an opportunity to view docs prior to my getting home. Prior to delivery of summons, Razor opted not to work with me and insisted even with a payment arrangement we still have to go to court if not paid in full by court date. And refused to consider any settlement offer prior to violating my rights.
I was an account holder with XXXX. My account # was XXXX. XXXX was notified that my Landlord revoked permission to have the dish on my roof. The rep was to cancel my account. I was advised I would NOT be charged a cancellation fee because it was my landlord who was revoking the permissions. A box was sent to me and the receiver was promptly returned. XXXX has acknowledged receipt XXXX XXXX, 2017. A few weeks later I received a bill for early termination and service use. I immediately contacted XXXX  and the rep I spoke with acknowledged my service should have been disconnected. She acknowledged I was being billed incorrectly for the termination fee. She also acknowledged I was being billed for two months of service after I returned the receiver. She advised me the issue would be resolved and I would receive no further bills. NOW I am getting a collection letter from IC Systems. They are advising my account is in collections. I advised I was disputing the debt. The collector stated I needed to contact XXXX directly. I spoke with XXXX from XXXX on Friday, XXXX XXXX, 2017. She was rude and disrespectful. She intentionally hung up on me and placed me back in the queue. The next representative barely spoke English and disconnected my call as well. I called back a 3rd time and XXXX  was my XXXX rep this time. She advised me XXXX did n't have access to my notes since the account was in collections. She advised I write to the corporate office. I spoke with XXXX XXXX at the collection agency. I was advised he was a manager. He offered to Settle the account. I advised him I am disputing this bill as false. I made him aware of my intentions to file a complaint. I have sent this complaint in writing to IC Systems as well as to the corporate office of XXXX in XXXX XXXX, CO. I am desperate to have this corrected. I do not want this falsely reporting on my credit bureau report. This debt is an error. If someone would take the time to read the notes on my file they would see the error by XXXX.
The Ocwen Loan Servicing , LLC company sent me a letter saying that my insurance coverage is insufficient because my " deductible exceeds permitted maximum. '' This is inaccurate. I called and actually they are just trying to sell me THEIR insurance coverage by trying to confuse me into thinking I am insufficiently covered by my present company. The letter also includes " Important Bankruptcy Information '' and says it is a communication from a debit collector. We have ALWAYS been in good standing and have no financial problems. I believe this company is fishing through its customers, threatening them, and trying to get insurance business in an unethical manner.
my XXXX account has been closed and paid in full for XXXX months. transunion showes it still opened with a balance.
I have mailed 611 letters to all 3 credit bureaus twice. Both times were certified. I've called in several times and waited on hold to speak with a representative. I have only seen results with one bureau.
Why was this loan removed from my Credit Report? I contacted the credit bureaus and they said that they did n't have any information on this and that it came from  Wells Fargo to be removed and that I should contact Wells Fargo. Th is was a positive tradeline and I want it re-reported to the  XXXX  bureaus. ACCT  XXXX  Communicate by mail only or via the cfpb.   No phone calls.
Account Number : XXXX ( XXXX {$420.00} ) Account Number : XXXX ( XXXX XXXX XXXX {$980.00} ) Account Number : XXXX ( XXXX XXXX {$640.00} ) I previously sent you a letter requesting that the collection that you are erroneously reporting against me be validated or removed from my credit report. I received your response and it is not acceptable, it is vague and does not constitute any form of validation according to the FDCPA or verification according the FCRA.
Bank of American owed me {$8000.00} for funds that they said, I owed and at this time they have not proved that I owe any money. They held more than {$26000.00} in unapplied funds and when the loan transferred to nationstar in XXXX there were still funds that had not been applied to my primary mortgage. In XXXX of this year XXXX XXXX threatened to foreclose if I did not pay after I had been paying them since XXXX they refused my XXXX XXXX payment until I agreed to pay the XXXX including additional late fees, attorney fees, home inspection fees running the bill up more than XXXX. I paid out of fear. Also, on the XXXX mortgage I paid an close to XXXX out of fear of the collection tactics from bank of America and XXXX. I have paid in good faith as that was the reason I filed XXXX in XXXX to pay my creditors in good faith. I am not satisfied with the results of this investigation on behalf of these mortgage companies that have committed fraud and false billing statements to collect money that I do not owe. I am seeking reimbursement of $ XXXX XXXX XXXX I paid more than {$12000.00} to nationstar to keep them from foreclosing on my property. I paid bank of America a check because they said I was behind on the heloc when was settled in bank ruptcy. I am due a refund and my credit reports need to reflect that I have paid in good faith. I am very disappointed in bank of America, countrywide and XXXX for the mishandling of my accounts and my payments.
I received a notice from Credit Protection Association in regards to a debt. I set up a payment plan and also mailed the equipment back to XXXX, originator of the debt back in XXXX of this year. Credit Protection Association is reporting to the three credit bureaus for the amount of the equipment, but  this was already returned and I spoke to a representative about this as well. We set up a payment arrangement for 3 weeks in the amount of XXXX. The first payment was taken out of my account and I was assured this would not be reported to the bureaus. Well it comes to find out, they never continued with the payment plan ( I never received a call so I figured its been taken care of ), reported to the three credit bureaus anyways and also the wrong amount as well. Why did n't anyone bother to contact me
I do not owe Rent Solutions or XXXX XXXX Apartments. I have abided by all contractual obligations and have paid my rent in full covering the entire time I resided at the apartment complex. While living at XXXX XXXX, there were XXXX instances which complex did not provide safe environment : there was damage to my property and my life was in danger by theft and possible fire as a direct negligence of the management. I will retain the right to pursue legal action for compensation if this is not immediately removed from my credit reports. As the result of their unlawful claim which has been reported in my credit history, I have been denied an application to rent in California.
A medical Debt owed to XXXX in the original amount of {$930.00} after comprehensive insurance was incurred on XX/XX/XXXX. This debt was paid in full to XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX on XX/XX/XXXX as a part of XXXX medical bills paid in full that day to XXXX. During XX/XX/XXXX, Attorney XXXX XXXX, representing XXXX, on her letterhead from the exact address as XXXX, sent a letter to me demanding payment of the same debt, same creditor, incurred on same date, in the same amount of {$930.00}. Said letter offered me the opportunity to pay to avoid being sued. My husband immediately negotiated a settlement of the debt in the amount of {$650.00} assuming this was a different medical bill. Upon reviewing our financial paperwork before filing our taxes, I discovered that he had in fact paid the same bill on two separate occasions, once onXX/XX/XXXX and again on XX/XX/XXXX. It is the exact same debt and XXXX, through the efforts of Attorney XXXX, who, in full possession of the complete file and collection data and spreadsheets, knowingly and maliciously collected the money twice. They are now refusing any of our attempts to contact them and settle this matter.
I am a victim of fraudulent credit activity, my identity has been used without my consent to obtain goods or services .I have owned a XXXX XXXX XXXX 17 years and disgruntled employees have submitted my name or used my identity.
I received a phone call in my office at my workplace. During the call, a person told me that my store was expecting a shipment *security cameras ) but It could not be delivered because there was an unsettled balance. This person told me that my boss was in the line too.. I could hear his voice and we had a conversation, my fake boss instructed me to take money from our register to pay for the delivery. I ask the other person if the delivery guy could take cash but he said no, I should do a money transfer by MoneyGram instead. This payment needed to be done quickly because we could be charged a fee. 
My fake boss allowed me to go and do the money transfer for {$1000.00}, this money will be received in XXXX in a bank account in XXXX XXXX. 
So I went to a CVS pharmacy and did it. As soon as I finished, I called my boss from my personal phone number and I confirm the transaction but he told me that he never talked to me over the phone and that we were not expecting any delivery. So I realized I was a victim of scam/fraud. Immediately, I call MoneyGram to report the fraud.
these people started calling me on XXXX/XXXX/2015 about an illegal usury interest rate account, that they purchased from XXXX XXXX. XXXX XXXX does not have a license to make these type of transactions in the state of California ... ..I advised them that I will not pay {$900.00} in interest on a six month account and requested their license number..they have not provided it to me.
XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Attention to Argon Agency : Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious Aargon agency I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX