WillisBack/dataset-financial-user-claim huggingface dataset:
I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX OH XXXX. MY EMPLOYER IS XXXX XXXXXXXX XXXX. 
I have addresses on my credit report that do not belong to me please delete the the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following numbers are not my please delete them ( 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
I just received a copy of my XXXX credit report. XXXX2017. I have been disputing 2 accounts that DO NOT belong on my credit report. XXXX XXXX XXXX XXXX XXXX  and XXXX. First off the XXXX is time barred and should be automatically deleted. The XXXX XXXX XXXX XXXX XXXX  was to be deleted off my credit report as well. I have been disputing these accounts for over 8 months now. XXXX  has done there investigation and these accounts were verified to delete and they did delete them off my XXXX  credit report. XXXX just keeps sending me that they did there investigation and the creditors have said they are reporting accurately. This is completely wrong because the XXXX account like I mentioned earlier is time barred and also besides that the account was paid years ago in FULL. Plus I do not no how they are verifiying this information because XXXX is no longer in business. That right there tells me XXXX is not doing a proper investigation. Having these 2 accounts report as negative are affecting my credit score in a very negative way. I do also have to state that I want to thank the fcra in assisting me in the past.
I attempted to reach out to Midland Credit Management to settle a debt that is in collection. The debt is originally from XXXX and was charged off by XXXX at {$3500.00}. MCM is attempting to collect for {$5800.00} at this time. I was not in a financial position to pay before, but, now, I am able to afford to reach some sort of settlement with them, so I reached out to MCM. I advised them that I had {$1800.00} on hand at this time to pay off the amount if we could reach that agreement. They advised that they would not accept that amount and said the only amount for a lump sum they would agree to is {$4100.00}. I explained that due to financial circumstances I could not afford this. I inquired as to why the amount could not be lowered since several months prior I had received a letter stating that I could pay off the amount for 40 % what was owed. I was told that this offer was expired and the lump sum payment would again be {$4100.00}. I asked if I was able to get a little more money together if we could reach an agreement but they refused this. They stated that paperwork had been filed with my local district court by their attorney. I did a search of the court records and found no case or file associate with myself within the district court system. I 'm not sure if this was a move to place me under duress to pay the amount they wanted me to pay or not. I asked MCM several times to provide me copies of the legal documents they said they sent to the district court, but they refused stating that it was not in their company policy to provide such paperwork.
Experian has been reporting an account with XXXX. Bank in the amount of {$280.00}. I have disputed this account with them numerous times and each time I was not provided with the actual verification documentation used to verify this account. This account was paid in full. Experian has the burden of proof to ensure the information reported is correct. They have not done this. I have an attorney on standby should this zombie account remain on my credit report.
Innovis is continuing to use false reporting from XXXX after being shown documented proof of XXXX 's negligence. Innovis staff went so far as to say they ignore proof submitted by consumers. I submitted proof to Innovis in the form of copies of XXXX Mail Certified delivery and direct complaint to XXXX for reporting false information to credit bureaus which Innovis confirmed receiving. The complaint to Innovis and XXXX specified false information is of a four-month period of delinquencies beginning XXXX XXXX and ending XXXX XXXX when in fact the student loan was in deferment and never late. Within the submission to Innovis, I certified that XXXX had not responded to me within the required 30 days after XXXX 's proof of receipt XXXX/XXXX/XXXX. Innovis then ignored this documented evidence and used the repeated false electronic reporting from XXXX to " verify '' the false information in their Innovis XXXX/XXXX/XXXX report update. Innovis failed to remove false reporting upon receipt of actual documented evidence. In a XXXX XXXX/XXXX/XXXX phone call to Innovis on the matter, the Innovis phone staff member confirmed that Innovis is using an electronic " update '' from XXXX XXXX verification and ignored documented evidence from me that they confirmed receiving. This Innovis phone staff member went on to say that they were very familiar with the FCRA and they ( Innovis ) did n't care what I sent them because they would only report what came to them directly from XXXX. I believe this is a violation of the FCRA because the " update '' Innovis received from Navient does not contain any documentary evidence that Innovis nor XXXX has or can provide to me, and their " update '' is a month beyond the FRCA 30 day required time period for a response from the XXXX/XXXX/XXXX receipt of certified notice of dispute. This is a very good example of how the FCRA is being openly violated by CRAs. What is the point of allowing disputes to CRAs if they will ignore documented proof submitted by consumers and continue to publish non-proof " updates '' from creditors?
I received a debt collection notice for a speeding camera ticket. I responded immediately and requesting the following : Prove that you are licensed to collect in the state of OhioProvide me with your license numbers and a Registered Agent 's name Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment ; Prove the Statute of Limitations has not expired on this account ; The response from the collection contained none of the requested information. The response stated that their investigation was complete and that I owe what they say I owe, along with a photo of my license plate.
send a letter and email and a fax to Protfolio Recovery Associates LLC for Validation of  debt on the XXXX  of XXXX  and they still call my house and still reporting on my credit report
ENHANCED RECOVERY COMPANY # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with ENHANCED RECOVERY COMPANY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt ENHANCED RECOVERY COMPANY purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
This account is appearing on my credit report along with XXXX others that share the same address. I 've never heard of these companies. I 've written to them asking for debt validation and something with my name on it stating I agreed to do business with them. This was over 30 days ago. I sent the same letter to the credit bureau however they have failed to provide me with anything from these companies as well.
I previously submitted a request for a 'proof of debt, ' in order to see if this debt is actually mine. I have been curious since ProCollect called me back in XXXX about this debt. After several attempts and many phone calls to get ProCollect to validate my debt, they finally did after I submitted my first claim to CFPB. ProCollect ended up sending me a document, only one that was provided by the apartment complex with the XXXX logo on it. All documents must be presented when requesting validation of debt. There are several things that concern me about the document ( s ) : 1. This is not my signature. This is not my handwriting. This is hardly even my information other than my personal info. I can definitively prove this. 2. XXXX XXXX XXXX, the actual lease holder is a career criminal that already has a record of fraudulent activity. 3. My great grandmother is also listed on the lease as another occupant. My great grandmother has been sick with XXXX and I can guarantee you her information was also illegally obtained. So this is two fraudulent criminal complaints. 4. What scares me is that XXXX XXXX is a career criminal and if she would of requested validation of debt, then she would NOW AGAIN have my social security number. Going forward, I would appreciate that you would white out my Social Security Number and my great grandmother 's SS #. This is simple Credit Law. Consumer Credit Collectors CAN NOT SHARE SOCIAL SECURITY NUMBERS with other consumers, regardless of the situation. 5. I have sent XXXX XXXX several emails, along with his associate XXXX XXXX to resolve this since and they refuse to answer me on how to proceed. I am fed up and if I would of seen the supporting documents back in XXXX 2016, I would of had this taken care of by know. If I do n't receive a response through email at XXXX,  along with a response through CFPB and a phone call stating that this BAD DEBT will actually be written off to BAD DEBT, then I may consider NOT retaining XXXX XXXX to sue ProCollect, along with XXXX XXXX as co-defendant. I have already made XXXX XXXX aware of this matter. If I do n't receive a response by the end of business on Friday XX/XX/XXXX, then I will be retaining XXXX XXXX and we will be going to court. I attached the " supporting documents '' on this bad debt, that was sent to me from XXXX XXXX. She would n't respond to my emails nor would anyone transfer me to someone that could help me with my account. Kind Regards, XXXX
I had a phone contract with XXXX years ago. When I paid my final bill, I continue to get bills. I paid the last bill that was supposed to be my final bill. Then I received notifications from a collection agency that I owed more money then after paying them about 6 months ago it 's being reported on my credit report when I was told it would not be reported.
Repeated phone calls at my place of employment to collect a debt that was already paid. When transferred to voicemail they do not leave a message and will just call back until I eventually take their call. 
Bushwood Captial Group First it was XXXX. Now it is someone named XXXX ( XXXX ). 
The debt was already paid to the original creditor - XXXX XXXX XXXX {$190.00} However, they still continue to call and harass me at my place of employment. 
This time XXXX said they are taking legal action to sue me. 
I have already supplied them with the receipt of the original creditor XXXX   XXXX XXXX.
Santander has been charging me unreasonable amounts of interest when a payment is late, to the tune on {$300.00} per month. I was not informed of this practice at signing, or ever after, until I noticed my loan had not decreased XXXX dollar in 6 months. Also, their obscene 24.99 % rate is undue hardship on me. I believe that XXXX and Santander have an inside deal which has XXXX steer consumers toward these bad loans, because they know in the end they will just have the same car on their lot to resell. 

Santander is disguising outrageous late fees within " simple '' interest, and it is unfair and unjust. XXXX is no better, the agent who sold me the car told me to put higher income than I made, then turned around and gave me the worst loan available.
Account has been closed on XX/XX/2017 on the XXXX account i have with the store XXXX XXXX the amount of XXXX has been fully paid.
Capital One 's inconsistent billing practices lead to my account falling behind without my knowledge. This only came to my attention when I was attempting to purchase another vehicle and the credit report showed a series of late payments. I immediately called XXXX XXXX that day, XXXX XXXX, paid all monies owed in full via phone ( over {$2000.00} ), and then 2 days later put the account on " auto pay '' to avoid further problems. When I followed up with a representative from Capital One on XXXX XXXX ( estimate ), I was told that my statements had been " suppressed '' in XXXX XXXX. My credit score has incurred significant damage due to this one creditor. Over 20 other creditors show no late payments ever. Because XXXX XXXX did not inform me of the status of the account, it went past due on several occasions with no notification. I own two homes and have a combined income with my husband of over {$340000.00}, and our credit is excellent with the exception of this one account. Given our complex financial portfolio, I rely on receiving statements to pay our bills timely. I never agreed for my statements to be " suppressed '' and was completely unaware of this. I have asked XXXX XXXX to dispute this internally but I do not have confidence that they will reverse these reports with the Credit Agencies, and I ask for your assistance. Please have Capital One remove these late payment reports from my credit score. 
Thank you for your help and consideration.
I have an XXXX XXXX Credit Card with Chase Bank. I received an email from Chase today, XX/XX/18, at approximately XXXX EST stating that I am now enrolled in their digital emailing service for any account that I already accept paperless statements. I do not have any paperless services with Chase. The email states that I will still receive paper mailed services where required by law, however, when I verified my account, Chase had automatically enrolled me in e-statements and " other information '' digital services without my affirmative consent. In the past, I have actively denied Chase 's offers for e-statements several times so I strongly feel they are violating the e-sign act ( and TIS ) by signing me up for a service that I : ( a ) did not affirmatively consent to ; and ( b ) received no information regarding any potential fees or charges associated with this. There was also no definition of what " other information '' digital services was. There was a link to their security page which ( buried within that page ) is their privacy policy, but nothing that stands out or refers directly to the terminology contained in the email. 
In order to correct all of this unnecessary hassle, Chase provided a link within the email to 'check my digital communication settings '. The link brought me to the Chase home page where I had to log into my account, find my way to the " paperless options '' and manually unsubscribe for these services I did not consent to. 
If this is happening to me, how many other Chase customers received the same message but don't realize they are now enrolled in a service they may not want?
I sent two seperate letters to XXXX XXXX TransUnion XXXX one in XXXX and over 30 days later in XXXX XXXX asking that they investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded XXXX & TransUnion to show me Verifiable proof ( an original Consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed ... XXXX XXXX TransUnion act like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ...
My car was repossessed on XX/XX/2018. I have filed a previous complaint about the repossession with the issues that still have not been resolved. In getting my car back first of all XXXX XXXX XXXX  knew I was getting my car back and the very day I payed to get it back they transferred it out of state. Leaving me with a XXXX bill to even pick up the car. When I got in my car the muffler was really loud. As I drove the car I noticed that I was having a hard time steering it. My car was 2 hours away by the time I got home I was horrified. The very next day I called XXXX XXXX XXXX  and was told that it was the responsibility of the company that did the repossession. I called and filed a report with the repo company and was jerked around for almost 2 months I do believe. All the while I am driving a car that isn't safe according to New York State laws. Well after I got the denial letter telling me that it is pre-existing. It's not because the day I had the car repded I had just drove back to NY from Indiana. In the condition the car is I can't even go to Indiana. This is what is wrong with my car, the whole muffler system is off the car, I have no horn, I can barely steer the car. Making right turns in really difficult. I have a new key for my car and also I have no horn. The other day in a ice storm I slid off the road because I couldn't control the car. My car can not be NY inspected because in the condition it was given back to me it will never pass inspection. Like in the repossession they have given me the run around. XXXX XXXX claims that she was trying to call me to resolve the matter but I never responded. Well if I wasn't answering me she could have sent me a letter telling me that they are trying to get a hold of me. I got nothing. My car is not safe to be on the road according to New York State law.
On XX/XX/2015 my son XXXX received a check from Social Security for a settlement on his XXXX claim, since he has no income he does not have a checking account.The plan was to deposit his check in my account and start a new account at another bank. He endorsed the check and i did too, i then deposited the check in the atm at the bank. This procedure take until the next day for the check to clear.I was aware of this and when i looked at my account on XX/XX/2015 there was no deposit and a note was attached to the deposit.I then called the banks help line, where i was given XXXX different excuses why they did n't deposit the check. the first excuse was that my son was not on my account, the second was a teller did not witness him signing the check! This flies in the face of the banks trying the customer to use as many electronic devices as possible. I 'm XXXX years old as of today a veteran who served his country and that was how i was taught how you deal with checks that was before the internet and to big to fail! the lack of this money has caused severe hardship on my family, we are out of food and need to pay our bills! It is my contention that wells fargo acted in bad faith and should be justly punished!
XXXX XXXX reported that I opened a credit card account with them on XX/XX/18 which is a very generic date ( people don't get everything done on XX/XX/XXXX, so this date is obviously fraudulent ). I've never done any business with XXXX XXXX and when I disputed this information with XXXX TWO TIMES they did not remove the account from my report even though I didn't open this account. I have been given no proof that I opened this account, probably because I don't didn't, and any proof would thus be fraudulent.
There are a couple items listed on my credit from this company which I have never been notified, they are unknown to me and I have health care coverage. These are false I need help I have disputed them with nothing being received. The accounts showing are as follows Commonwealth Financial XXXX {$880.00} Commonwealth Financial XXXX {$880.00} Again these are unknown and I have never done business with this company or any company for this amount of debt.
XXXX  and Transunion are reporting me as 30 to 60 days past due on an account that has {$0.00} balance and {$0.00} past due. This is harming my score and disqualifying me for a loan. I have disputed this directly with the two bureaus but the coding violation has not been corrected.
They asked me for personal information. i told them i dont give that over the phone. The guy told me so your not ready to cooperate hung up and called me XXXX time s in a row. I called them back and ask them to stop. he then stated that he need to verify me again. i said i dont know you and i wont give you personal info he said we ll keep calling.
At approximately XXXX on XX/XX/2018 I received threatening phone calls from a District of Columbia number ( XXXX ) XXXX. The agent claimed the call was recorded and that her name was XXXX and that the phone call was in reference to a debt collection. 

XXXX asked me to verify the last 4 digits of my social security number as well as my name. I confirmed. She explained that I owed a debt to XXXX XXXX in the amount of {$720.00} to XXXX XXXX  for overdraft protection fees. I explained to her that the account was closed over 10 years ago and that I had not overdrafted during the time the account was active to my knowledge. I also informed XXXX that I had not received any notices in the last 10 years from XXXX XXXX regarding this matter. I told her that I would follow up with bank directly and if she could provide me the account number in question. I asked her to provide me with the name of the business she was calling from and the address so that I could follow up. She claimed that she was a 3rd party debt collection agency called " D2 Management '' and that she could not provide an address, but that she could give me a PO Box . When I asked her to provide the PO Box address, she said that she didn't have it in front of her and she went into an abusive line of discussion demanding that I resolve the debt with her. I told her that I believed that the claim was scam and that I would report the D2 Management to the appropriate agency. She laughed and hung up the phone.
Previously under monthly {$5.00} in come based repayment plan with creditor for {$7000.00}. Loan debt. Account transfered to navient creditor.Now receiving bills saying i owe $ XXXX.asked for documenta to continue monthly plan with no response. Currently only ma ke XXXX $ an hour.
Terms are inconsistent with original contract for payment and balance and inconsistencies with the legality of loan reporting.