WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I had a debt for XXXX that was old to a collection agency ( XXXX XXXX XXXX ). I seen it on my credit reports for {$320.00}. They reduced it down {$64.00} and I settled with them and paid {$250.00} XXXX/XXXX/XXXX. They updated my credit reports and showed I paid it leaving a {$0.00} balance. Now XXXX/XXXX/XXXX XXXX illegally reopened that same account selling it to a new collection agency ICSystem saying I owed {$64.00}. I spoke to cox and both collection agencies. XXXX XXXX shows I paid it and sent proof to XXXX who then sent proof to ICSystems XXXX/XXXX/XXXX and I requested it be deleted from all XXXX credit reports and while it was being investigated for it to be put on hold. I also filed a dispute with XXXX earlier that week. ICSystem finally deleted it off of XXXX but illegally reported it again the following day to XXXX and XXXX and has yet to delete it off even though they are aware it was not a debt I owed. I had paid it XXXX/XXXX/XXXX. They also are reporting this debt 3-4 times a month ( once a week ) damaging my score as much as possible. They have refused to delete it off of all XXXX credit reports knowing that it is not a valid debt and after cox has told them to remove it.
According to the creditor the account has expired. Attached is the amount for the that is owed. XX/XX/XXXX to XX/XX/XXXX. {$1300.00}
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Creditors Validation letter to Receivables Performance Managment. I had my Personal Financial Consultant XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a XXXX Cell phone bill that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by Receivables Performance Management. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be registered with the State of Texas in order to collect a debt in Texas. Receivable Performance Management is not registered with the State of Texas. Also, I know that a Debt Buy can not hire another debt collector to collect for them in Texas therefore this debt can not be transferred to another collection company. Therefore, this debt should be removed from out of the office of Receivables Performance Management. 
I have never open a joint account with XXXX in my name ever. This is a fraud account open and needs to be removed from my credit report.
I learned from authority and being under investigation that am a victim of identity theft. The FBI told me it 's an inside job. My drivers license have been stolen with the names XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. My date of birth have been changed with all three credit agencies. All of my former employers have been changed. My social security card have been stolen. I 'm using my maiden name, which is XXXX. A seven year fraud alert have been placed on all three credit agencies. XXXX XXXX once lived with my late father XXXX XXXX XXXX. She knew he was my emergency contact, prior to his XXXX and was stealing my mail. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX are sisters and they are working together. In 2005 I filed a XXXX XXXX law sue. My XXXX was prepared by them without my knowledge. Credit was being abused while I was under wage earner, my rights was violated under the wage earner courts. The case number for the law sue is XXXX. XXXX XXXX XXXX. Tax returns are being filed using my personal information. Fraudulent transitions are being reported to IRS. XXXX-mortgage statements.
On XX/XX/2017 and XX/XX/2017 credit inquiries were made without my consent. Customer service wouldnt help to remove these inquiries reporting to my credit report.
XXXX XXXX listed a debt collection on my report for an amount of {$14000.00} for a car loan. On XX/XX/XXXX I wrote to XXXX, I wrote to Equifax on XX/XX/XXXX, And on XX/XX/XXXX I  wrote to XXXX. I wrote to them sending them proof that this account must be deleted from my credit report because it was reporting inaccurate information. And on XX/XX/XXXX I received a letter from XXXX explaining their investigation procedure. On XX/XX/XXXX XXXX   informed me that the information I disputed had been updated. And EQUIFAX NEVER RESPOND TO MY LETTER WITH ANY STATEMENT NOR LETTER. So on XX/XX/XXXX, I wrote to XXXX XXXX requesting a debt validation for this car loan which they say I owe. They sent back a letter stating I need to give them further information from the credit bureaus in which they are the ones reporting this inaccurate information to the bureaus. Shouldn't they have the information that they are reporting on my credit file? So on XX/XX/XXXX I wrote XXXX, EQUIFAX, AND XXXX THE SAME LETTER SENDING THEM PROOF THAT THEY WERE REPORTING MISLEADING AND INACCURATE INFORMATION ON MY CREDIT REPORT FROM XXXX XXXX. After I requested in writing from XXXX XXXX TO VALIDATE THE DEBT IN QUESTIONED. AND THEY HAD NO RECORD OF THIS INFORMATION AND THEY STILL COULD NOT PRODUCE A VALIDATION BEARING MY SIGNATURE. Per FCRA, I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. I request full removal of this debt associated with any of the credit reporting agencies ASAP
I purchased a home in XXXX 2016. The home was a XXXX foreclosure in need of repair. After closing I spent in excess of {$10000.00} in repairs. I called my mortgage company Penny Mac to inquire about a new property assessment and removal of Mortgage insurance. They told me that this was not allowed with the type of loan I had. That I am required to pay PMI for the XXXX loan term or I could re-finance. I was not familiar with anyone reviewing these terms with me before. I asked for the loan documents with this particular disclosure be sent to me. Over a month later, I received the documents I requested. However, it is very apparent that the disclosures were " doctored '' altered/forged.
My TransUnion account is showing a " new employer '' on my list that I do not work for. I have had the same job for years, nothing new should be appearing.
the debt collection firm Kirschenbaum & Phillips had gotten a judgement against me without my knowledge, without any notification in 2009 & has repeatedly tried to collect on a debt I do not owe due to identity theft. I have contacted them repeatedly, filled out XXXX identity theft packets & submitted police reports. They have seized assets in my bank accounts XXXX, which were eventually returned to me. I have been to the county records office/courts to find copies of this judgement & there are no records. 
This is a debt that was created due to identity theft. I have provided all the information and last known whereabouts of the individual who stole my identity yet Kirschenbaum & Phillips has still continued to harass & threaten my assets. 
I can not keep a bank account due to the constant threats of asset attachment. This has been an ongoing issue since 2009.
This is regarding an old installment loan with  XXXX   XXXX . The account was turned over to a collection agency  XXXX   XXXX  which is reporting negatively on my credit reports.  XXXX  is not bonded in the  State of Texas to pursue collections. I entered the name and address on the Secretary of State website for debt collectors and was unsuccessful at locating a bond for this agency.
My name is  XXXX   XXXX , and my bank number is :  XXXX  I have visited a website called  XXXX    XXXX   XXXX   XXXX  . It says : " free counseling online '', while in fact, it is a lie. It deducted {$150.00} from my debit card  three d ays after since I entered my bank account. I found the information about refund after being shocked at my bank account :  XXXX  :  XXXX  However, before I enter my bank account, I am not informed of it at all. I pretended I am a new customer and visited the website again. I found the member agreement does not mention the policy that is described in this website at all! I did n't know I will be charged after three days if I do n't cancel it and I can not get the refund because this website receives the customer that it 's free and does not mention the policy at all!   This company is :  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX   ,    XXXX   Virginia
Midland Funding sued me where I did not live on XXXX alleged accounts they say I owe. They sued me in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when I live in XXXX XXXX over XXXX miles away. I gave them my address and contact information, however they continued to pursue the suit in XXXX XXXX. It was n't until I informed them that I would exercise my right under the Fair Collections Act did they finally drop the suite in XXXX XXXX. They knew of my address long before they filed suit in XXXX XXXX and even used a XXXX lawyer that was located less then XXXX miles from my home to process the suit in XXXX XXXX, even though they have many lawyers in XXXX XXXX that handle local lawsuits for them. They were hoping I would not notice the lawsuit and I would n't have noticed if it was n't for a local lawyer soliciting his services to defend me and informed me I was being sued by Midland Funding. I have denied this debt to them and even sent them a validation letter once I got word of the suit. They never notified me of the this debt prior to filing these suits as well as filling it in the wrong county XXXX miles from my residence. The following alleged accounts they say I owe include ( XXXX ending XXXX ) and ( XXXX XXXX ending XXXX ).
My brother, XXXX XXXX and mother, XXXX XXXX took out a loan with XXXX XXXX in XXXX, TN on or about XXXX. They both were not XXXX capable of understanding the financial documents. XXXX sold the loan to Greentree. XXXX XXXX, XXXX my brother died and XXXX XXXX, XXXX my mother died. I am the heir to the property. The house has been recently appraised for {$45000.00} The principal of the loan is approximately XXXX. I hired XXXX attorneys on XXXX separate occasions, neither could get any help from Greentree. We requested a short sale and offered a settlement. They faked a foreclosure. I had never experienced anything like that before, but I am wanting to keep this house, it was my childhood home, so I buckled and wired transferred XXXX only to get XXXX applied to the principal. Once they sent me papers so I could make an offer, but they would not process them because they wanted financial information from my brother and mother. THEY ARE DEAD so they have no income. On several occasions they will call and continue sending mail for my dead family members to contact them. They have all the legal documents required to show I, as well as my daughter XXXX XXXX has legal rights to talk to them. They have the death certificates. I have been trying for 2 1/2 years trying to reach a settlement offer. They are now called Ditech. Ditech has not changed anything, including the employees we talk to. Her name is XXXX. She is rude, condescending and makes hurtful remarks regarding the death of my family members. I have sent several certified letters to their higher management, in which they signed for. Still no one will contact us regarding this loan. I recently learned of the XXXX XXXX dollar lawsuit of all the illegal and unethical tactics Greentree was found guilty of. It is obvious Greentree changed their name to Ditech, but are still operating under the same principles.
On XXXX XXXX, XXXX, I sent to Equifax XXXX Department a request to remove a " SR '' suffix which had been considered as part of my name. As they requested I sent a copy of my Driver License. They removed the referred suffix, but after almost a month after, it suffix reappear again. I tried by phone and online to receive an explanation why it was removed and shows up again. They open several cases for me, but it was up and down ( removed and showing again XXXX and the results were with no success. An representative from Equifax XXXX XXXX counseled me to send to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA, and even help me by phone to write a letter requesting again to remove from my credit record the " SR '' suffix showed after my name, because I am not " SR '', and never have had the " SR '' suffix after my name. The representative recommended me to enclose a copies of : XXXX XXXX XXXX, XXXX XXXX, Driver License, Social Security Card and Form XXXX XXXX. XXXX XXXX Tax Return XXXX. On XXXX XXXX, XXXX, I sent the letter XXXX Certified ) with my name, address, e-mail, phone number, and I enclosed the copies of all mentioned documents. They received it on XXXX XXXX, XXXX, and after several dates they removed the " SR '' suffix in question. Now On XXXX XXXX, XXXX, I received an alert from Equifax XXXX XXXX informing that my name change, after reviewing the credit report I note that, again, the " SR '' suffix shows up. They said before that it was happening because an " unknown reporting creditor ''!!! was reporting it, but for they apparently the copies of the documents I sent on XXXX XXXX, XXXX have been not enough to prove that I have no " SR '' suffix after my name. Please help to solve this matter with this company. The other two Credit Companies XXXX and XXXX handles my name correctly.
Experian is reporting incorrectly a past due amount of {$50.00} for XXXX XXXX XXXX, partial account number XXXX. I paid this account in full with a cash payment that was never credited to the balance due. This incorrect reporting is harming my credit score.
XX/XX/XXXX : Placed a call to my husband and shared personal information about debt acquired before my marriage XX/XX/XXXX : called me threatening to sue for debt established in XXXX, in Nevada with Statue of Limitations of 4 years. I kindly explained that they can not sue me for debt that old and that the debt has been resolved 5 years ago. asked not to contact me again. 
XX/XX/XXXX : Called again claiming that lawyers filed a motion to revive a debt and threatened that I will be served at my place of employment if not resolved immediately.
The original debt was with XXXX XXXX XXXX more than 10 years ago. Per FCRA and FDCPA any debt older than 7 years is released per statue of limitations. XXXX XXXX XXXX to keep harassing me has sold the debt to multiple parties such as XXXX XXXX XXXX, XXXX and now Radius Global Solution LLC fromerly XXXX XXXX XXXX. Every time they sell the debt to another collection agency, I write the collection agency and XXXX XXXX to inform them that if they keeps harassing me I will sue them. They stop harassing me for a while but then they sell the debt to another collection agency to circumvent the statue of limitation who tries to collect the debt and harass me after more than 7 years and against the law. This practice of XXXX XXXX is in violation of the law and OCC regulations. 

Current Holder : Radius Global Solutions Reference # XXXX for amount of {$3700.00} when original principal debt was {$460.00} XXXX XXXX XXXX XXXX, MN XXXX
This company ( Receivables Performance ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$0.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
I have received calls from this number on my personal phone, and at my place of employment. The XXXX caller was a gentleman, and he would not give me his name or the name of the company he represents. He only said that he works with a locator service and he needed to verify my address so that I would n't miss a court day. He also wanted me to call a certain number. At that time I told him that I could not give him any information since he had n't given me enough details. He went on to tell me that a complaint had been filed against me and he gave me no specifics, and that he wanted to make sure I did n't miss a court date. He claimed that he 'd sent information to my home and it was returned. I have lived in the same home for about XXXX years, so I did n't believe him. Today I received a similar call, but this time a lady left a name. She also said that she was calling from a locator service. She said her name is XXXX XXXX, and she could be reached at XXXX XXXX XXXX XXXX, Ext. XXXX. The message she left said that a complaint had been filed against me, that I had been " serviced this morning '', and that she would be calling the human resources or risk management at my place of employment so that I can be served on site without incident. The work day is over and I have not been 'served '. She also called me at work today, and she called my employer as well. She also called a relative, and left a message. When I called the number left on the message, the recording said the name of the company is Bayview.
I have 7 inquiries that are not mines. I called the credit bureau and creditor they said it on me. Theres nothing they can do I told them it was fraud. Said give me proof. They said they couldn't it must stay on for 2 years. I need to protect my identity. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX   XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TN XXXX  ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX, NJ XXXX  ( XXXX  ) XXXX   XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX  ) XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX, NY XXXX  ( XXXX ) XXXX  XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX BYMAILONLY XXXX/XXXX  XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific XXXX XXXX XXXX XXXX, NJ XXXX  ( BY ) -MAIL
My wife and I have been purchasing from XXXX XXXX for many years and we normally take advantage of the zero percent interest promotions that are offered through XXXX XXXX/XXXX XXXX. Late last year we purchased a new dining room table and selected the " Zero Percent Interest '' promotion if the full balance is paid by a certain date. Each month we made payments as usual and as the promotional end date started to get close, our monthly statements started to warn us in red text that the balance due for that promotion was about to end. We received our XXXX statement a few months ago and on the front page in RED TEXT, it's clearly states that we had to pay {$830.00} by XX/XX/XXXX in order to avoid accrued interest charges for our purchase. Soon after we submitted payment for that exact amount and it was received by XXXX XXXX on XX/XX/XXXX. Five days before the due date. 

Now we are in XXXX and our latest XXXX statement shows that we didn't pay the correct amount in order to avoid massive interest charges and that our payment was short {$95.00} for a unrelated promotion. I called XXXX XXXX/XXXX Customer Support and after speaking with multiple agents and a supervisor for over an hour, they insisted that my latest statement is correct and there was nothing they could do to help me out. 

Its very clear that we followed the payment instructions perfectly so Im requesting an adjustment to my XXXX statement for these unsubstantiated charges. I look forward to a resolution that is fair as these finance charges are unwarranted. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
I sent off for my annual credit report about a month ago, and no repond back.i made preparation to file Bankruptcy, but was delayed by XXXX, XXXX, and Transunion that had set me back with my Bankruptcy case that been filed.
I received a letter from P & B Capital Group , LLC regarding a debt in which they say is mine but can not prove. So I sent a certified letter declaring that they cease all communication. I inserted the letter below. And still they keep calling me asking me about this matter. They also reported it to the credit bureaus. They are in strict violation here and have to remove any information from my credit reports and stop harassing me over the phone. 

Letter sent to the Company in question ; XX/XX/2018 P & B Capital Group , LLC XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : [ File # ***** ] To Whom It May Concern : I am writing to request that you stop communications with me in accordance with my rights under the Federal Fair Debt Collection Practices Act, as well as other federal and District of Columbia laws and/or New York State laws.

Please be aware that, I am judgement proof, my income is free and exempt from distraint, attachment, levy, or seizure and sale on execution or decree of any court in the District of Columbia and/or New York State because it is from : Social  Security ( XXXX/SSI ) I request that you cease all written and verbal communication with me. I am aware that if you continue to contact me after receiving this letter, it is harassment in violation of the FDCPA. I may contact legal counsel if you violate my FDCPA rights. This letter is not meant in any way to be an acknowledgment that I owe this money. A certified letter will follow this letter. Thank you for your cooperation. 

Respectfully submitted,
ON XXXX XXXX, 2016, XXXX alerted me that applications had been made with my social security number. XXXX/XXXX/16, XXXX/XXXX/16 -- -There were XXXX applications made, my FICO took a dump from XXXX to XXXX, then to XXXX ... I was FURIOUS. 
I 'M A XXXX with 28 years in XXXX. I understand the mechanics of credit. 
I FROZE ALL MY CREDIT ON XXXX XXXX, 2016. I put a consumer alert and a 90-day alert, while I was getting the police report filed. 
I was promised that NO CREDIT would be issued under a freeze. I was promised that creditors wo n't issue credit with consumer alerts .... I 'M IN THE THROES of this and I 've gone from shock to absolute anger. I 'm a very aware woman and quite capable of figuring out systems quickly. What I 've been seeing are " holes '' for prevention to be penetrated. From start to finish, I 've handled all aspects of proactive actions to restore my credit. I was fearful to trust others ' since I noticed they took action about 2 weeks after I had already contacted : 1. I contacted all creditors of fraud day 3-5, insisting they immediately contact credit reporting agencies and remove promptly ( all info I received from XXXX ). 
2. I froze all my credit day 3 from fraud initiated. 
3. I put 90 day alerts plus consumer alerts day 3 from fraud alert 4. Police reports within 5 days 5. I now discovered that New Account -- -XXXX reported a new account on your EQUIFAX Credit Report. They had a {$120.00} FEE that went to my reports. All XXXX of them. This company is fraudulent in actions. The credit agencies? My credits frozen and this account was NOT APPROVED PRIOR TO. 

I 'm very aggressive at this time since I 'm tired of paying people to protect me and they do n't. System failure is running rampant. I am a XXXX and highly trained in XXXX. 

Again, the name of the applicant is not my name w/my social. Red flag for the creditor? Or, they just have blinders on or asleep at the wheel? 
I was notified on XXXX XXXX, 2016 of a new account from Equifax! 
I railed the creditor! On XXXX/XXXX/16, the XXXX other agencies reported new credit with a {$120.00} fee ( the creditors fee )! 

I called the creditor and expressed the " illegal '' aspects of this. I said, " get this off my report, now! '' Additionally, all XXXX agencies are reporting with a FREEZE and consumer alerts on my account. The credit card was in the name of " XXXX XXXX. '' My name is XXXX XXXX XXXX and my social is not tied to his name. I 'm sick of this carelessness, the credit reporting agencies and their reporting, but NO INVOLVEMENT. They should not have this type of power and be unaware. No.