WillisBack/dataset-financial-user-claim huggingface dataset:
Failure to provide validation. On XXXX, I sent the company a demand for validation for the reference account they had reported on my credit report They failed to respond back without any contractual agreement or statements from the original creditor and continued reporting the account on my credit report. At the same time they verified the account as a valid account when I disputed it with the credit bureau instead of notifying the credit bureaus to have them mark the item as disputed, as required by law, thereby violating the FDCPA. This is a fine, punishable in court with punitive damages of {$1000.00}.
On XXXX XXXX, 2015 I received a call from the phone number XXXX. The phone call did not feature a " live '' conversation- that is, I did not speak with a human being. The only message I received was " Hello. We are calling about a pre-legal matter. If you have retained an attorney, have them call us at XXXX. Thank you. '' I called the number back immediately after the call disconnected and received a message of " Hello. NO one is available to take your call. Leave a message and someone *may* return your call as soon as possible. '' There was no identification of who the company was, nor was there an option to speak with someone. I researched the number in question and found the company to be a company named the " Northeast Collection Bureau. '' I do not have currently, nor have I ever had in my possession any documentation from this company proving any kind of debt. I am offended by their attempts to contact and feel that, the nature of their phone call ( " this is a legal matter, you will have your attorney call us immediately '' ) is both harassment and extremely threatening. I WILL NOT BE THREATENED BY A COMPANY THAT IS TOO LAZY TO PROVIDE PROOF OF THE EXISTENCE OF A DEBT.
McDowell Associates requested my credit 8 times in 10 months. 4 times in one month alone. I have no idea who this is or why they are accessing my credit report
On XX/XX/2019 I received the Motion Requesting Warrant to Issue and Additional Attorney Fees. I called the Attorneys office and was informed that there was a warrant issued for my arrest. I was further told that I needed to be careful driving as I would be arrested. She claimed that they could squash the warrant if I paid the full amount due immediately or came to her office and filled out some papers. I asked what the debt was and she said it was for XXXX XXXX from an auto accident. I requested to speak to the attorney and was told that he would not speak with me as that is what she is there for. I explained to her that I had full coverage auto and was not the at fault party so I had  assumed the medical bills had been paid. She said that it was out of her hands and I had to pay the {$2400.00} immediately or deal with the consequences of the warrant for failure to appear at the court date ( that I was never served papers for ) I called the court and spoke with a clerk who informed me that a warrant was not issued for my arrest and that there was a review scheduled on XX/XX/2019. I have never been served papers in regards to this case as the assistant at XXXX XXXX office is claiming. Upon questioning everyone in my home my Step Daughter admitted that a few weeks back a gentleman had come to the house with court papers. She said that she had informed him that she was not me to which he demanded to see her license. She told him she did not have one and he threw the papers at her hitting her in the face with them as he yelled " you have been served, pay your bills '' She picked them up and threw them in the trash. She is only XXXX years old and she was very upset about being treated this way. Unfortunately, she did not say anything to me about it because she was afraid she would be grounded because she cursed the man out for hitting her. I also called XXXX ( my auto insurance company at the time of the accident ) they said all of the medical bills submitted by the company claiming the debt were paid. They also informed me that there was still time to submit those bills and that the XXXX  should have done so but if they give me verification of the bills they will cover them if I submit them. This debt collection practice is not only irresponsible and illegal it is inhumane. Now that my step daughter has spoken out about the assault her mother is filing a report and hopefully the process server will be charged with assault on a child.
XXXX XXXX bought a business debt from a company that I cosigned as a guarantor from XXXX XXXX XXXX. Since this was a business debt with a different organization other than myself, XXXX XXXX, it never appeared on XXXX XXXX personal credit record. The business has a different tax ID then XXXX XXXX, and this debt before purchasing by XXXX XXXX was never on XXXX XXXX 's credit report XXXX XXXX realized that he would have to pay the debt because he had guaranteed the business debt agreed to a payment arrangement with XXXX , XXXX and has been paying with never a late payment the agreed upon amounts. 

XXXX , XXXX has twisted the reporting to the credit bureaus by saying that this debt is in collection when in fact it is not. Rather XXXX , XXXX bought the debt. 
When previously submitting this report before against Equifax , they never investigated fully as well as we did n't have the rebuttal letter from XXXX , XXXX that we are submitting This false reporting that the debt is in collections is wrong and it is not delinquent at all with XXXX , XXXX
Today I received in the U.S. mail my earlier requested " Equifax '' credit report to check for any " errors '' in it since " Equifax '' mass data breech of XXXX of 2017 in which over 143 million Americans had all their personal data hacked/leaked due to " Equifax '' well known sloppy  security procedures. 
And sure enough someone from the " XXXX XXXX, Minnesota '' has somehow falsely entered their address of " XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, Minnesota ; XXXX '' is unlawfully listed as one of my " Previous Addresses '' on " Page 5 of 44 '' as well as on " Page 44 of 44. '' I am the " Victim of Identity Theft. '' I have never even visited the State of Minnesota.

I work for the XXXX XXXX XXXX for the last 30 years and thus I have to live with the XXXX XXXX XXXX in order to continue my employment with the XXXX XXXX XXXX. 
This is NOT the first time this same " XXXX XXXX, Minnesota '' false address has been put into my " Equifax '' credit report. 
It first appeared about 16 months ago on my " Equifax '' credit report. And because of my due diligence I caught the sloppy security of " Equifax '' and filed a " Dispute '' complaint to " Equifax '' and " Equifax '' deleted the unlawful " XXXX XXXX, Minnesota '' address OFF my " Equifax '' credit report. 
Yet nearly 16 months later that same fraud " XXXX XXXX, Minnesota '' has once again appeared in ONLY my " Equifax '' credit report. This " XXXX XXXX, Minnesota '' has NEVER appeared on my " XXXX XXXX '' or my " XXXX '' credit reports. Never!!! It has ONLY shown up on my " Equifax '' credit report because of " Equifax '' sloppy computer security.
They continue to report the information on my credit report incorrectly - I have reached out to them and all three credit bureaus on at 3 occasions via certified letter return receipt and they refuse or choose to not even respond. I believe this is due to religious discrimination so I am now reaching out to you to have them correct my three credit reports and report the account as current as I am disputing the reporting as being inaccurate according to my records.
Received a call I thought was from my nephew, on Monday, XX/XX/XXXX who flew to New York for a friends wedding over the weekend.. He had a few drinks and got into an accident. No major injuries but said he did XXXX XXXX XXXX, this is why I thought he did sound a little muffled but he did still sound like my only nephew. I asked him if his wife knew. He said no and asked me not to say anything to anyone until he got home. He wanted to explain to her in person. He was just recently married. He was issued a XXXX and they would n't release him until he paid the woman he hit for her car repairs. Supposedly the wedding and accident was on Sunday and he had a flight to come home on Monday night. He said he was going to have his lawyer call me with the details of how to send {$1000.00} for the car repairs and if we could send it right away he could n't wait to come home. He sounded very scared!! I then received a call from his lawyer, XXXX XXXX who explained to us that we needed to do a wire to wire transfer from XXXX to XXXX to the state of New Jersey attention to a XXXX XXXX who was the woman 's lawyer and that it had to be cash. Never doubting this was not on the up and up, we sent the money via a debit card. A little while later, the same day, the lawyer called us again to say the woman he had hit had just come back to them to say she had ended up going to the hospital and wanted the money for that bill. We needed to send another {$1100.00}. We went back to the same XXXX but a different lady helped us and she had no problem sending them the money. We then received a call from the lawyer again telling us that the money had not gone through because XXXX should have only done one transfer per day. They were going to send us our money back but it would take about 5 days or so. He then wanted us to go to a XXXX XXXX at a XXXX to send the {$1100.00}. Of course we then suspected that we were being scammed. When we told him that we were not going to do that but that we were going to call my nephew 's wife, he hung up on me. We were finally able to reach my nephew to find out that it was not him calling us and that he was safe here in Illinois. My husband has gone to the bank, the local police and has called every government office we were told to. He found out from our bank that XXXX is not suppose to do more than one transfer for a person within one day. We are out both amounts of monies along with the XXXX fees. They really played on our emotions and it is a horrible feeling. We have the name and phone number of the lawyer and we have both of our XXXX receipts with reference codes, etc.
I am approved for a new 1st mortgage and the 2nd mortgage home equity bank First Citizens of North Carolina was asked to subordinate their loan. I was declined verbally for the subordination and given the reason : I am cashing out combined with a XXXX score, however, approved if no cash out, which concerns me for Fair Lending. I also explained that the score does not reflect the recent XXXX mortgages paid in full and as agreed on XXXX/XXXX/2015 for {$500000.00}. The refinancing company also sent the XXXX to show those mortgages are paid and closed as proof and verification.
Discover XXXX pay Cash back PromotionThey changed the Terms and conditions of Cash back Promo1. The terms of the promotion2. How the gift card exclusion was added several days later3. Discover is now blanket rejecting purchases above a certain amount4. Discover is requiring customers to retain receipts5. Discover does not have the requirement to keep receipts in the XXXX. This is a blatant attack on consumer privacy7. The burden of proof is shifted to the consumer, instead of the credit card company8. If Discover wants to exclude gift cards, they need to do it accurately and automatically, without the need of receipts being sent into Discover. 
if they want to exclude gift card purchases, they need to be able to do it automatically and accurately. The burden of proof does not fall on the consumer and we do not need to keep receipts. 
If they are unable to do this, then they should honor all XXXX Pay purchases with the bonus 10 %.
UPON CHECKING MY CREDIT REPORT I NOTICED A COLLECTION COMPANY IC SYSTEM INC REPORTING ON ALL THREE OF MY CREDIT REPORTS. I WAS UNAWARE OF THIS COMPANY AND DID SOME RESEARCH, TO MY KNOWLEDGDE AND ACCORDDING TO FLORIDA OFFICE OF FINANCIAL REGULATIONS IC SYSTEMS IS NOT LICSENCED NOR BONDED IN THE STATE OF FLORIDA TO COLLECT ANY ALLEGED DEBT IN THE STATE OF FLORIDA. THEY ARE IN VIOLATION AND CAN BE FINED ( please see attachments ). PLEASE DELETE IMMEDIATEL BOTH ALLEGED UNPROVEN ALLIGATION OR ILL BE FORCED TO FLE A COMPLAINT
I am a co-signer on a loan with XXXX which is serviced by XXXX XXXX. I was contacted by Allied international credit as the primary borrower is 140 days past due with payments. I requested an accounting in writing from Allied International Credit and was informed that they do not provide statements of debt. I called XXXX XXXX to confirm the financial information regarding the amount past due that I was given by Allied International Credit. They told me the past due dollar amount. I requested a statement of the debt owing from XXXX XXXX and they told me that they could not provide this as I am not the primary borrower. In addition, the account number that Allied International Credit and XXXX XXXX gave me are not the same -- it appears that the numbers are transposed, so I have no way to verify how the payment I made will be applied.
I started communications via phone and email with this company QUALITY RECOVERY SERVICES INC XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX in regrads an amount of money owed to Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Rental/Leasing Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$2300.00} Date of XXXX XXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$2300.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes after resolution I 've disputed this account with XXXX numerous times and still have not received any resolution to properly handle this so called debt or even proper documentation that would proof or show that some sort of contract was made and signed by me obligating me to pay this amount of money, maybe a bill for services provided to me or of any goods sold to me but so far nothing I 've also talked on the phone to representatives from this company and i gave them my current mailing address, phone number and email so they could send validation of this debt but instead what they did was to use the information given by me to them as method to verify information with XXXX which ended my second attempt to dispute the debt through XXXX I have started a XXXX attempt through XXXX fraud dept to dispute this debt conf # XXXX initiated XXXX/XXXX/2016 with the purpose to help me close this item which is in the collections section on my credit report and that is currently hurting my credit score in a monthly basis preventing me from qualifying to apply for a mortgage to buy a house
This is a fraudulent attempt by Credit Solutions Corp. to collect on a XXXX debt. If I had owed anything to any one it would reflect on my credit report. I just obtained a Co-signed student loan for my daughter thru XXXX XXXX Bank. I think that would be impossible to do with bad credit. All supporting documents will be sent Via U.S. Mail
I received a collections letter from XXXX XXXX XXXX located in XXXX, Washington stating that they are attempting to collect a debt on behalf of XXXX XXXX XXXX. The letter was received in XXXX XXXX. I contacted Pay Pal and asked them if I owed any money to them and they stated they had no record of me owing them any past due amount of money. Pay Pal asked me to send a copy of the letter I received from XXXX XXXX and I never received a response indicating they would take care of the problem. The amount of the debt is {$26.00}. I realize this is a small amount of debt and I am tempted to just pay it and get it over with but there 's no indication from Pay Pal that this is a legitimate debt and I do not want to start making payments for something I do not owe.
This is a formal written complaint about the matter related to my PNC Bank complaint reference # XXXX. 

In a PNC offer I received that had an expiration date of XX/XX/XXXX. I took the offer to mean that both the balance transfer amount and the amount of any purchases during the promotional APR period would be subject to the 0.00 % rate through XX/XX/XXXX. Then as the offer states, After XX/XX/XXXX, you will be charged the standard variable APR for purchases. 

I spoke with three members of the complaint escalation team, all helpful, but the conclusion being that PNC intended the offer to apply to the balance transfer only. I find the offer to be deliberately misleading and as such am filing a complaint on the CFPB site as well. I am further surprised that now the only way to prevent further finance charges to my credit card account is to pay off the entire balance and not just the purchase portion of it.
Hard credit inquiry issued against me and my wife without authorization. Equifax ( unlike XXXX ), has refused to remove hard credit inquiry thus negatively impacting both of our credit scores.
On three occasions, I have requested that my daily ATM withdrawal limit be raised from {$310.00}. The bank has refused to raise the limit, and when cash was needed for an emergency on a Saturday evening, I was unable to access my available funds.
Debt collection agencies keep calling from rotating numbers to collect from a XXXX Account for my daughter, XXXX XXXX XXXX, who has lived in XXXX for the past 15 years. She never had a XXXX  credit card. 

They 've called at XXXX XXXX and repeatedly during the day. Most of the number are XXXX area code, similar to my number. 

I have told them, repeatedly, that XXXX does not live here and that I am on the DO NOT CALL LIST. They continue to call several times a day. 

Recent calls came from XXXX ( XXXX XXXX XXXX XXXX & XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX other numbers ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The numbers continue for months back, for other area codes, like XXXX and XXXX
As far as I know, nothing happened. The same company is still asking for my personal information ( seriously? ) after its already been stolen from them. I need a resolution from all of this, not a stupid enrollment date. Tell me what you will do to correct the situation instead of apologizing.
XX/XX/XXXX, XXXX, a company that I 'd been with for 8 years, and whom I only quit because a salesperson who sold me a new phone committed fraud during the sale, claimed a debt of {$31.00} to my account after it was closed. XX/XX/XXXX, the debt came to my attention through personal monitoring of my credit on both XXXX and XXXX from an XXXX Credit Report. The information from XXXX stated that a company called Amsher posted the debt. After contacting XXXX, and submitting a complaint, XXXX then reported the anomaly. XXXX later claimed validity of the anomaly from information provided by " AMSHER ''. I contacted XXXX regarding the debt and requested any and all associated information. They informed me that they no longer have any record or information regarding said debt. I also contacted agents at Amsher who could neither verify information, or confirm the debt and by XX/XX/XXXX, I believe, I visually confirmed that it was removed from my credit reports at both XXXX and XXXX. In about XX/XX/XXXX or XX/XX/XXXX it re-appeared from a different debt collection agency named, '' XXXX ''. I contacted XXXX at that time and confirmed with them that it was the same debt which had clearly been sold to the new collections company and that I would need to again contest it. I did and never heard anything more from XXXX. It has not re-appeared on XXXX at all. I 'm XXXX. Further, now XXXX is making me jump through hoops this year to get a copy of my credit report. I 'm not at all happy. I 've been trying to teach others about managing their personal credit, but where 's the incentive to manage personal credit if there 's nothing the consumer can do to correct false reports?
XXXX is reporting an inaccurate debt that was in face paid in full to the credit bureaus under my name. This company has harassed me in an attempt to collect a non legitimate debt, and then continued to call me after the debt has been paid in full. XXXX is reporting a closed account to all XXXX credit bureaus and has shown to use non legitimate information to verify the debt. I have disputed the account to no avail, and the company refuses to delete it from their record. Even though the account was paid in late XX/XX/XXXX, XXXX has continued to report this account, the latest time being XX/XX/XXXX This is an unfair representation of my financial history and should be deleted immediately.
I have never done business with the below listed company. Therefore my request is this account be deleted from my credit profile.
Our computer stopped working with a number to call to clean it. We were talked into placing {$290.00} on our Bank of America card payable to XXXX and they would clean the scam off of the computer. We contacted Bank of America the next day to not pay the charge as by that time we realized it was a scam. We were told by Bank of America that the charge had not posted yet so it could not be disputed, to call back. We have called a number of times and supplied documentation from a computer repair co. as second opinion that this was a scam. Bank of America has paid the scam co. and can only suggest that we contact them for a refund. We do not want anything to do with this scam co. and are very disappointed that Bank of America paid this charge even after we requested that they do not. What can we do now?
I received a bill from this collections agency in amount that I do not recognize on behalf of a past due to XXXX XXXX XXXX that I was not aware I had.
I disputed a debt in writing that a debt collector said I owed and stated in the dispute letter to cease further communication with me or others except for providing me further verification of the debt. I also stated that if they notified a credit agency of the debt that they must tell the credit agency that the debt was disputed. The debt collector both called me again after receiving my letter, never provided further verification of the debt, and reported the alleged debt to the XXXX reporting agencies.
On Saturday, XX/XX/2017 at XXXX a.m., I checked my credit score as a regular action as I frequently do. I was proudly checking to see if since I have made a year of perfect payments as of XX/XX/2017 on my very first auto loan, if any thing positive point-wise happened. I have worked very hard to keep my payments on time, on top of setting up payment arrangents for at-fault debts. Upon opening my XXXX app on my cell phone, I noticed that my score instead of increasing, has actually dropped by XXXX points. I was very confused and scrolled down to see why ; only to find that I was charged a single ( I believe ) defaulted medical payment for XXXX $ from an agency called Midwest Recovery Systems. It immediately raised an eyebrow as I have NOT been contacted by this agency prior to it just being thrown to my credit report, on top of which was the most concerning is I have n't even had so much as maybe one doctor 's visit in the past year! And I was very diligent prior to the dr. visit of checking my insurance because I did n't have the funds for out of pocket expenses.I did some searching online to find that not only myself have experienced this issue with this " company, '' but numerous reports - ( XXXX Reports noted by the XXXX as of this day ... which inidicates the number of consumers that have been negatively/wrongly affected ) - There are reports I have read from even the beginning of THIS month ranging from the same amount as mine all the way to nearly XXXX XXXX This company is fraudulent and they are hurting innocent people and causing a lot of time consuming headaches. I have, prior to this submission of a formal complaint through CFPB reported the fraudulent charge to XXXX who has already deleted the " account '' from my report in less than a day. This is shameful for someone to actively target people for no reason.