WillisBack/dataset-financial-user-claim huggingface dataset:
This company is reporting to my credit report twice for the same debt. ( see attached ). This is a violation of FCRA and the Texas Finance Code 392.

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. The debt is over the statute of limitation for this debt to be collected on.

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
On X/XX/18 there was a Walmart credit card opened with my stolen identity and I found out by XXXX XXXX saying I had a hard inquiry on my credit report. I called and spoke to a representative about closing this fraudulent account and they said I should get a letter in the mail within 30 days, and it could take 30-60 days for the card to be shut down and removed. I feel there should be more protective measures to make it harder for someone to open a credit card especially when I have shopped online they should have matched up my info and sent me an email or alert through the Walmart app.
Reported that XXXX XXXX XXXX XXXX and XXXX loan service are both listed as the the creditor on my credit report this can not be. Please help me with this issue as EQUIFAX said that this is correct and investigation is complete and correct. Thank you so much.
I had to leave XXXX due to poor service. The company gave me horrible service since the first month. I took them to court and they never showed up. I switched over to a new company and made a. XXXX I return the phones and they would credit my account. After returning the phones XXXX sold my account. AmSher is trying to collect XXXX from me and I do not owe this amount. I emailed my contact in their office and still dont have a response. I explained to AmSher that this information is incorrect. This debt is invalid and AmSher is illegally collecting on this debt.
Have a negative debt on one of my credit reports that is not mine. Was never told about it. Never received any mail or phone call. No knowledge of this at all until it appeared on my credit report. One credit agency deleted it. The other one I  have disputed it with them twice and they wont correct it its not my debt and I want it fixed.
This regards account number XXXX on my credit report. When applying for a mortgage recently I was made aware of a collection attempt made by Diversified Consultants for a XXXX account. I was never sent any communications by Diversified in attempt to collect this invalid debt. 

I had previously opened a trial account with XXXX and a billing error resulted in it being sent to collections by XXXX and was later resolved. Now Diversified has put a collections amount on my credit report for this same invalid debt.
I entered into a mortgage modification with WFHM XX/XX/XXXX through XX/XX/XXXX. I was advised by at least XXXX mortgage specialist ( staff changed constantly, so communication was difficult and there was poor transition between staff. I was advised however by each of the specialists that upon completion of the modification, all late payments would be removed from my credit report. XXXX is now disputing this fact. My credit is now so severely affected that I have no options for refinance with another lender.
Early Warning : I am writing today to express my frustrations in trying to remove unrecognized and likely fraudulent information on my consumer file. I have been a victim of identity theft after my information was exposed in a databreach and have previously requested my consumer file and disputed information with Early Warning but have not received a response to my requests. Specifically, California and Federal law requires Early Warning to provide me with the records, documents, and actions that Early Warning relied upon in making a decision in response to a dispute. However, Early Warning has not provided me with the requested documents and has not acknowledge my letters requesting more information or another copy of my consumer file. Specifically, for the purpose of this CFPB complaint, I am formally demanding that Early Warning provide me with all the records, documents, and actions relied upon to make a determination in case numbers XXXX and XXXX. Furthermore, please provide me with a complete and up to date copy of my consumer file and an explanation as to why my previous requests for these documents have been ignored.
Experian continues to report an address on my report that I have never lived at. I've disputed this multiple times and they will not remove. The address is not registered with the US postal service nor is it valid and I've never had a lease at this address.
I called them several times to try to find a solution to have to get a payment plan that I can pay on. To lower the percentage I pay towards this loan it wasn't like I was trying to not pay the loan, the loan is not even on collections they withdrew my rent money from my personal account without calling me first. I tried calling to get a payment plan and they always say there is nothing they can do for this loan several times. The bank is citizens Bank
EQUIFAX HAS ALERTED ME THAT MY PERSONAL INFORMATION SUCH AS SOCIAL SECURITY INFORMATION AND ADDRESSES AND ALL PERSONAL INFORMATION MAY HAVE BEEN RELEASED MAKING ME EXTREMELY VULNERABLE TO IDENTITY THEFT
I had no insurance and was XXXX and given pills I did n't need and forced to stay against my will then charged for it
I had an outstanding medical debt with a local hospital. I did n't pay it off in time and it went to a debt collector. They proceeded to file a debt collection lawsuit against me however they misspelled my name wrong in the court documents and then they said they served me however I have proof via my gps watch that I was n't near the place they served me. They stated I owed over {$1400.00} to them however the legal documents only state they are trying to collect {$600.00}. I am disputing the fact that I owe more then the {$600.00}.
Experian Experian is not complying in Good Faith with the XX/XX/2018 Credit Freeze Law making the process so time consuming and manual, a consumer effectively " gives up ''. 

* Even though I have an Experian account, when attempting to place a freeze through my already verified account, Experian 's web application responds saying it can not freeze my credit. 

* Experian has removed all live support for their telephone numbers made public to consumers regarding credit freeze and instituted circular, non-freeze related topics for all available options. 

Thus Experian is not enabling credit freezes as per the Law and removed any support to report this issue through phone or web options.
On XX/XX/2018 I submitted my request for my " annual free credit report '' but instead of getting a timely copy of my credit file. I was informed by " Trans Union '' that they have lost and or misplaced my credit data ; in other words my information has been compromised by " Trans Union ''. They have either intentionally or by willful negligence purged my credit file. As you can see from the document requesting my free report my identifying information is quite lucid.
I do n't even know where to start. I have disputed this on consumerfinance.gov multiple times. There is INCORRECT information on my XXXX report that no one seems to be able to correct. XXXX says they verified with Synchrony bank ( # XXXX. ) Synchrony bank ( # XXXX ) says they do n't handle credit card divisions of the XXXX creditors- JC Penny , Lowes and Old Navy . Synchrony bank gave me another phone number to call, and they answered identifying themselves as Synchrony bank ( # XXXX ). They told me to have them do a credit bureau inquiry for my accounts. The first Synchrony Bank ( # XXXX ) phone number XXXX said they do n't understand why the credit report has their phone number. THIS is the Synchrony ( # XXXX ) that is showing incorrect information. They said they ca n't see my actual account to confirm I have XXXX balance. They gave me number to another Synchrony Bank ( - # XXXX ) XXXX who tells me they have the same information that I have showing XXXX balances, and dont have any idea who the " other '' Synchrony Bank ( # XXXX ) is. Synchrony bank ( # XXXX ) tells me to dispute this discrepancy, which I have through consumerfinance.gov and directly with XXXX. XXXX tells me to call synchrony bank and have they make corrections. These errors have caused my credit score with XXXX to drop by XXXX points. I have been turned down for a loan due to this. Synchrony bank told me to write to to FCRA. When I look up information for FCRA- it sends me to -- CONSUMERFINANCE.GOV! 
I have a XXXX balance with Old Navy and JC Penny. My balance with Lowes is incorrect. My good credit standing with XXXX XXXX showing a {$5000.00} credit limit paid in full has disappeared from XXXX ONLY XXXX I am at wits end. I will contact he consumer reporter at the news station and see if they can direct me somewhere that can help. I expect consumerfinance.gov to be able to figure this out. The letter I received from XXXX today says they " verified '' this information with Synchrony bank and it is staying on my report Obviously they did not verify anything.
Transunion is stating I have public records and delinquencies on my credit report, and this is absolutely false. I sent an ask for a copy of my credit report with the required copies of the information the requested, and I never received my free copy. Where Transunion is getting this information is I do n't Know! I tried obtaining it online, writing through the mail and there 's always an excuse from Transunion.
On X/XX/2017, I mailed a dispute letter to XXXX asking them to remove collection account, XXXX XXXX -ACCT # XXXX, from my credit report AND to verify that the debt. I requested that they send me the name, address and phone number of the person that verified the debt. I asked them to obtain physical proof, because I have no knowledge of this company. The dispute result came back as " verified '', but with no validation or verification. I am desperately trying to buy a home and this is keeping me from that goal.
I do not and I have never had a contract with this company. I am not liable for this collection.
My name is XXXX XXXX XXXX. I have recently became guardian over my father, XXXX XXXX and ran across some papers concerning a purchase agreement signed by my parents, XXXX and XXXX XXXX XXXX. My mother is now XXXX. On XX/XX/XXXX, my parents signed a purchase agreement with XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, Alabama. They purchased a XXXX XXXX XXXX XXXX for {$40000.00} minus the {$3500.00} down payment totaling {$36000.00}. The vehicle was financed by Ally Bank, XXXX XXXX XXXX XXXX, MD XXXX. The account number is XXXX. The dealership provided 2 checks to my parents, both dated XX/XX/XXXX in the amount of {$18.00} for Title Fee and {$2100.00} for Sales Tax and both pay to the order of XXXX County Tax Commissioner. Neither of these checks were submitted by my parents because I found them in among my father 's papers. On XX/XX/XXXX my parents each received a reminder bill in the amount of {$550.00} for the XX/XX/XXXX truck payment. The letters were mailed to XXXX XXXX XXXX, XXXX, GA. By this time, my mother had relocated to my home, in XXXX XXXX GA. XXXX shortly after suffering a XXXX. OnXX/XX/XXXX, another letter was sent requesting payment in the amount of {$570.00}. This included a late fee. OnXX/XX/XXXX, a letter was sent to my parents notifying them of a Notice of Our Plan to Sell Property. The letter notified an intent to sell the vehicle in a private sale sometime after XX/XX/XXXX. I would like to know how much did they sell the truck for? I would like to know why did they repossess the truck just after 2 missing payments? I would like to know why the letter identified amount owed was {$1100.00} plus {$27.00} late charges plus {$610.00} retaking and holding vehicle charges totaling {$1700.00}. Yet, on XX/XX/XXXX, a letter was sent to the XXXX, GA address " this is to acknowledge that your above referenced account with Ally has been settled and you are released from any and all obligations. '' The account balance on the letter was {$4100.00}. why? My parents were in no mental condition to sign a huge contract with these two businesses. My parents were over XXXX years old and were clearly taken advantage of. I think that their business practices needs to be examined and any funds should be returned to my father. To sum it up, XXXX XXXX XXXX purchased the truck from XXXX XXXX of XXXX, sold it to my parents, repossessed it after 2 months receiving a down payment and having to pay no taxes and tag fees, then Ally Bank sold it by the third month and for over $ 4K. Is this proper way to do business. Please help.
Sent a letter and got no response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Global Lending '' on XXXX via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
XX/XX/2018, A bill that was paid in the amount of {$180.00} to the hospital was reported by Harris and Harris, Ltd as a Delinquency notification. I received a letter from them on Friday and on Monday received a call on my cell phone regarding the debt.

Harris and Harris, Ltd did not cross verify the information if the debt was paid and tried to collect more money. I'm not at all happy with this company 's way of handling any consumer debt when the consumer has proof that the debt was paid off.
The collection agency will not return my calls, or allow me to speak to anyone. The daycare XXXX XXXX in XXXX Utah is charging me for days my child did not attend. 
I was told from the daycare manager they scam single mothers all the time to collect more money. My child was mistreated, and i was pregnant and unable to work and was continuously charged even after i advised them prior. Please help me. These charges are unjustified.
I previously filed complaint # XXXX against the Simon 's agency for collecting on a debt that they claimed was owed and I provided proof of payment. Their client, XXXX XXXX XXXX XXXX also confirmed that this was sent to collections in error. The Simon 's Agency fabricated the facts in their response to the CFPB, but stated that the file was not being sent to collections and was being handled. They just reported this to XXXX, which has caused my credit score to drop. I demand that they cease all collection activity and fix the damage that they have done. 
Thank you for your help in making this matter right!
On XX/XX/XXXX, I received a credit monitoring alert that " American Medical Coll '' had posted a collection to my XXXX XXXX credit report. I called the number listed on my credit report but was unable to reach anyone to verify this debt. 

The presence of this account on my credit report is false and misleading. I would like it removed.
My name is XXXX residing in XXXX, NC. I am asking for a copy of my credit report after it has been disputed and updated with proof of investigation. I have applied for credit and I have been turned down.
Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX  ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX VIA XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX  XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : XXXX XXXX XXXX XXXX  Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX InquiryType : IndividuaXXXX XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX XXXX VIA XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX VIA XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX VIA XXXX LOANS Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
I have never applied for a private student loan. I do owe this company, I did n't agree to any part in a Private Loan, The Schools Financial Personnel Conducted Fraudulent Practices In This Claim.
Consumer affairs division of Equifax has my credit locked. They have requested documentation to prove iden tity 2 wee ks ago which was sent in promptly. Credit report is still locked.
I have a a unverified account from ASSET RECOVERY SOLUTIONS LLC # XXXX. I had previously disputed this account. I have never done business with ASSET RECOVERY SOLUTIONS LLC. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ASSET RECOVERY SOLUTIONS LLC 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 ASSET RECOVERY SOLUTIONS LLCCease and Desist all further communications and collection actives and provide the verification of the purported debt.
I wanted to apply for a childrens place credit card and wanted to know why i have n't gotten a response. So I called the bank thats over the company when I called somebody answered i explained to her what happened she asked for my personal info to looked it up i have it to her she told me that i put my info wrong on app i she asked did I want to re apply i said no so today I checked my credit report and saw i had XXXX hard inquires from the company i called them back she said she could n't do anything about it and that I needed to call the credit agency i did they said i need to call the company i told them I already did they said to dispute it so here I am the first one happened XXXX XXXX, XXXX
A gentleman called my Granddaughter demanding she pay for a debt that she was n't sure even existed. He threatened to have her taken to jail the next day. She panicked, having XXXX small children. Called me to help her pay the amount of {$3500.00}. I had her tell the guy to call me, when we spoke he was very persistent. He would n't accept a personal check as payment, and had to be paid right now or she would be placed into jail, and he would take the house away from her. I 'm an elderly lady and was very scared for her. I decided to give him my credit card info because he scared me, and I was worried for the safety of my granddaughter and grand babies. I asked him to fax me the documents to prove that she indeed owed this money to somebody. He refused to send me any type of receipt. I then called the credit card company to cancel the transaction, the lady said I caught it just in time. That they would n't release that amount of money right away so I was assured the payment was stopped. The following day he called screaming at me for canceling the payment. He said to just give him {$500.00} and he 'll go away, he refused to send me any paper work so I had proof. He has damaged my soul, I 'm scared that this can happen again and to keep your family from harm you do what ever it takes. It 's sad that people take advantage of others. 
I then received a document from the credit card company saying that they have charged my account. This man that strong armed my account information from me turned out to be a scammer. Please will you look into this. I 'm living on a fixed income and do n't know what to do. I thank you much XXXX XXXX