WillisBack/dataset-financial-user-claim huggingface dataset:
This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in XXXX but in the XXXX of XXXX as well. 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. 

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices.

Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY XXXX required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''
Plan o f Reorganization ( the " Agreement '' ) was approved by United States Bankruptcy Court e ffecti vely  XX/XX/XXXX . I am now on my  XXXX  servicer effective XX/XX/XXXX . The first  XXXX  servicers, PHH and  XXXX , respectively refused to acknowledge or   abide by the  Agreement as set  forth. The have returned payments, refused payments, sent inaccurate year end reporting and escrow accounts in spite of persistent emails, phone calls and direct mail correspondence outlining specifically the agreement.   XXXX  I have been unable to sell the property because they have refused to give me a payoff amount.   XXXX  I cant afford my Bankruptcy attorney to pursue this. I have included a lot of correspondence that will back up my claim
XXXX XXXX/XXXX XXXX reporting incorrectly on credit reports. On XXXX reporting lost or stolen card which was true, with XXXX balance and paid on time, which is true, on Equifax reporting charge off last pay XX/XX/2013 and on XXXX reporting account transferred to another office and last payment XX/XX/2013.
I have had multiple frauds alerts, inquiries and accounts attached to my credit. These negative accounts are dying my credit. Ive continuously contacted the company to have the removed off of my report. At this point its beconing very frustrating. They have been closed and discharged but the fact that they are there is still hurting me. I would love if they could just please be removed. The customer service that Ive been experiencing with TransUnion has been horrible! Theyve been giving me the run around, and barely wanting to speak with me. It is so unfortunate that I am dealing with this.
I have multiple accounts on my credit report that are reporting incorrectly. They were opened fraudulently with my social security number, my name ( wrong middle name ) and an ID from Pennsylvania with the wrong address and a photo that is not mine. None of the companies agree that this debt is not mine and most of the fraudulent files are reporting to all three credit reporting agencies.
I have a creditor on my credit report that is reporting conflicting information. I have attempted several times to dispute the information with XXXX but they refuse to dispute it any further. The company is Wilshire Commercial XXXX also goes by Westlake it reports my account was opened on XXXX then reported since XXXX. Not sure how it has a report since XXXX but not opened in XXXX. Information listed below. 
Credit Items WILSHIRE COMMERCIAL CAPITAL Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Address Identification Number : XXXX Status : Discharged through Bankruptcy XXXX XXXX. 
Status Details : This account is scheduled to continue on record until XXXX XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. 
Date Opened : XXXX Reported Since : XXXX Date of Status : XXXX Last Reported : XXXX Type : Auto Loan Terms : 24 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$3100.00} High Balance : NA Recent Balance : {$0.00} Recent Payment : {$0.00}
Someone open a credit card account with XXXX XXXX Bank on XX/XX/2014 utilizing my social security. Current creditor Portfolio Recovery Associate disclosed that the debt amount is for {$2100.00}. Address utilized is from NY, XXXX.
disputed a public record on my credit file as fraudulent with transunion. There is a chapter XXXX bankruptcy dismissed on my credit report that I did not file. I contact the bankruptcy courts about procedures and information reported to credit bureau, which I received a letter back stating that they do not report information to the credit bureaus. I have ask for proof of the disputes from the credit bureaus which I haven't received yet, instead im getting letters back stating verified. I have disputed the bankruptcy on XX/XX/2018. I have proof that I am a victim of identity fraud. please help
US bank account was opened and funded on XXXX XXXX, XXXX to fulfill the promotion for the XXXX promotion but incentive has not posted yet. XXXX bill payments were made on XXXX XXXX and XXXX XXXX, XXXX. It has been more than XXXX months but no sign of the bonus.
Received a call at XXXX XXXX today from a no caller id advising me I was being contacted about a fraud investigation and asked me to call XXXX at XXXX to clear my name. Upon my call and after multiple transfers I was sent to XXXX XXXX whom introduced himself as the general manager. I was informed of an old payday loan that was taken out XX/XX/2016 that was sent to collections due to being return from my bank and I was facing theft by deception along with many other criminal charges and would be arrested under Alabama title 12 if I didn't pay the check amount of {$580.00} plus attorney fees bringing the total due to {$3900.00}. I explained to Mr. XXXX I was unaware of the check he was referring to, not denying but needed further clarification or information prior to any commitment I was willing to make beings I have not received any collection notices from anyone regarding this debt. I was informed by Mr. XXXX that this was not a collection agency but a3rd party criminal investigation company trying to verify my address to issue warrants. However since Mr. XXXX became hostile with his threats of jail time and his non compliance with providing me with information on said debt and Mr. XXXX denying my request to be transferred to someone higher than him, I hung up on him after a XXXX  min XXXX  second conversation. Something needs to be done with this company, Debt collection is a civil matter & it is against the law for debtors to threaten criminal action for non payment of a debt under Fair Debt Collection Practices Act
Husband defaulted on student loans, Allied Interstate began garnishing 15% of his wages. They stated this will happen for XXXX months & on top of that we pay additional XXXX towards loans. It has been XXXX months with garnishment, we have sent all paperwork requested in (even though they sent us wrong form, stated they lost items we sent in, etc.) now that garnishment is supposed to end, they state that they want us to pay XXXX per month instead of XXXX on top of the 15% of wages. We cannot afford this. We can afford the payment, but not along with the hundreds of dollars each month they are collecting - none of which is going towards the student loan balance. They want us to basically start over with garnishment for another XXXX months, but paying  higher additional amount per month on top of garnishment. Now they sent us a new letter as if we were starting over. We are supposed to sign it and return it or else they said we won't be able to rehabilitate the student loans.
XXXX XXXX XXXX has incorrect hard inquiries on my XXXX, XXXX, and Transunion credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX XXXX XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my XXXX, XXXX, and Transunion report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.
I have setup autopay with XXXX XXXX. XXXX XXXX, recently transferred their loans to XXXX XXXX and I had to figure this out on my own before I could make payments. Unfortunately, I have been delinquent for over 30 days since I did not know my autopay has been terminated. 

I have only received one letter from XXXX XXXX on XX/XX/2017 and two phone calls ( last week and XX/XX/XXXX ) with no description of their service other than to call a number.
in XX/XX/2017 I was released of liability from an automobile repossession. the information was distributed to all 3 credit bureaus telling them that the debt was paid in full. I have tried several times since XX/XX/2017 however my reports still show a balance.
On XX/XX/2018 I complained to Equifax about hard inquiries on my credit report that should not be there and also I always have problem with them in obtaining my free annual report every year. I discovered they have my name listed as XXXX XXXX my name is XXXX XXXX and as requested I mail to them a copy of my drivers license, copy of my social security card and electric utility bill. In that request I also wanted hard inquiries from XXXX XXXX XXXX, one from XXXX and XXXX removed I was given online a confirmation number of XXXX. 
On XX/XX/2018 they sent me an email stating they concluded and provided an online confirmation number of XXXX and I could not get online. Today XX/XX/2018 they sent me another email with the same confirmation number, I tried to get online again to no avail I used both confirmation numbers. 
I have had this problem with Equifax for years and is causing problems with companies when they tried to verified my information.
I sent all three credit bureaus a certified letter requesting that this closed account from Wal-Mart XX/XX/14 be deleted from my credit reports. It's been over 90 days and they have yet to respond or delete this request. This violates the FCRA law that States that the bureaus must respond to consumer disputes in a timely manner.
XXXX XXXX XXXX called my home XXXX before XXXXI had left the houseMy ( soon to be ) ex husband ( we are still legally married ) answered the phonethe Caller Identified herself as XXXX XXXX from XXXX XXXX XXXX and asked my husband who he was, he answered " her Husband '' the debt is in my name only but she then proceeded to share all the information about the debt with him ... .. 
the account number - who it was owed to and the amountHe then texted me immediately and I called him - he had written all the info down and said she was more than happy to share all the info with him about the debtthis is a prohibited practice by XXXX XXXX XXXX
By the end of XX/XX/2018 I submitted an application for a credit card in response to an offer from REGIONS. 
On XX/XX/2018 Regions sent me a letter in which the bank states that " after carefully reviewing your application, we regret that we are unable to approve your application at this time ''. 
According to that statement key factors that adversely affected my credit score were : 1.- Length of time retail accounts have been established is too short. My average length of time in those accounts is 10 years or more. 
2.- Too few active mortgage accounts. I do not have any mortgage account because my properties ( 3 ) have been paid in full. 
3.-Insufficient prepayment activity on installment accts over the last year. 
4.- Too few recent balance in full payment activities. 
I pay all my balances in full before the due date. 
Never in my life I have been denied a credit card before by any financial institution. 
My credit score is second to none and my FICO score is XXXX. 
I wander if this is a case of XXXX discrimination since I am of XXXX origin.
never applied with this company. they say they have an application from me but this has to be fraud because i never put one in.

Discover Bank Inquiry from XX/XX/2016
On XX/XX/18, today, I accessed my account via WEB to cancel my XXXX   membership, AKA Experian. I found that if you want to cancel your membership, they ONLY let you cancel via phone. i.e. : " To cancel, please contact Customer Care at XXXX. '' I have been on the phone for over an hour on hold listening to the recording they have and still no one has answered. I found on the internet that many other people are having the same issue as I. After all this is supposed to be a free monitoring service, which is not the case. 
There isn't even chat or email available to cancel. 
Please help ...
I took out a line of credit for XXXX XXXX XXXX via XXXX XXXX XXXX ( AKA : XXXX XXXX XXXX ) which uses XXXX XXXX XXXX for their billing. The line of credit was {$2000.00} and I prepaid for tutoring services for my grandchild. After a few sessions I began to see a further decline in her grades thus I decided to discontinue any additional sessions. I received a refund on XX/XX/18 for {$1100.00}. When I received the refund I immediately contacted the XXXX XXXX as there was an additional credit that was due. The center refused to refund for additional sessions. I contacted XXXX XXXX  to file a dispute regarding the 3 sessions that was still outstanding. They came back indicating the charges were valid without providing any validation on how this was determined as services were never rendered. They have also lowered my credit limit as a result of me filing a dispute putting my available credit lower than my balance which does affect my credit score. Please help! 
Thank you
I was put on an auto loan as co-borrower, the borrower and I are divorced and he has me on a loan that he has defaulted on purpose because I filed for divorce and divorced him. Im now trying to move on with my life and now this issue has come up. I would like to have myself removed from this loan that is hurting my credit. Im being held responsible for his actions and Im not driving the car that is in question.
On XX/XX/XXXX I ordered 120 checks from Bank of America delivered to my address. The tracking information indicated that the checks were delivered to my address on XX/XX/XXXX. The checks never came. On XX/XX/XXXX, I contacted Bank of America to void the checks. The representative declined, stating that they could only issue a 12-month stop payment on the checks, after which they could be used by anyone who had access to them. I would then be able to issue another 12-month stop  payment ( assuming that I remembered in a year that I had these checks floating in the ether through no fault of my own ) for a {$30.00} fee ( again for a problem that occurred through no fault of my own ). I said that I wanted the checks voided. They declined. I asked for the situation to be escalated to someone higher up. The representative declined, and instead offered that I could also close the account and reopen a new one -- which would mean that I 'd have to reprogram any automatic payments associated with the account and routing numbers. This is preposterous, because it is common sense that banks should have a way to void checks they failed to deliver to paying customers.
I sent money to Coinbase Inc to purchase virtual currency, and to that point it 's worked fine. I now wish to withdraw funds but they have not validated by bank account to make the transfer back to me. 

To validate they require you to send a SEPA transfer of at least XXXX euros, and they say they will validate your account within 2 days of receiving the funds and then you 'll be able to make withdrawals. 

I sent the SEPA transfer on XX/XX/XXXX, I received an email from them confirming their receipt of the funds and it 's currently showing in my Coinbase wallet as received, but they have still not validated my account, so I still can not withdraw funds. 

I 've sent 2 customer service requests to them with issue numbers : # XXXX and # XXXX. But to date they have not responded. I 've tried contacting them by twitter too but no response.
Equifax credit reporting agency for years has ignored repeated attempts by me and the state of louisiana department of revenue to remove the following state tax lien which clearly does not belong to me ref # XXXX which the state of louisiana as stated multiple times it does not belong to me and it is up to the XXXX credit reporting agencies to remove this otem immediately also XXXX unauthorized inquiries which should be removed as well as an account with XXXX account number XXXX phone # XXXX which this company has also asked XXXX reporting agencies to remove. This is not fair to me and i want them to correct this immediately.
I disputed a debt on my credit report on XX/XX/XXXX from receivable Performance. I asked the company to provide me with a validation of the debt, I also told them that this account is not mine. I send them a letter certified. which was received and signed on XX/XX/XXXX by XXXX. As of today XX/XX/XXXX I have not received anything from this company and they are still reporting this debt as mine on my credit report. Im attaching a copy of the letter and the certificate of delivery.
It is ridiculous that as a consumer i have to pay to freeze my credit. There 's no reason i should be paying, especially when outside businesses are the ones making errors letting personal info get out. A credit freeze and unfreeze should be free.
I applied for a Chase XXXX card and received a denial letter. I contacted their reconsideration line and was advised that I was listed as an authorized user on another Chase Credit Card account that was charged off. I advised I was not aware of this and to provide details. No information was provided- I contacted EVERY customer service number for all the credit cards Chase offers in their portfolio. No one could assist me. 

Upon calling the reconsideration line, the second representative quickly backtracked and advised " oh- well that would n't hurt your score thaaat bad '' - but XXXX information in regards to the debt. ( Which of course, not my debt )
In XX/XX/XXXX, I retrieved my credit report and noted that XXXX XXXX XXXX ( reflected as XXXX XXXX on credit reports ) had inserted 4 derogatory accounts on my credit report. This company never sent any correspondence to me that would have informed me of any alleged debt they were attempting to collect. Further, by not receiving any correspondence from them, did not allow me to dispute the validity of their claim. to that end, I submitted a dispute to XXXX XXXX ( although the company was truly XXXX XXXX ), the address reflected was to XXXX XXXX. This too is a violation. If they are attempting to collect on a debt, then their name should have been listed and not the alleged original creditor. XXXX XXXX never responded. So I then sent a copy of the certified letter with return receipt to XXXX to verify that the company did not respond to my dispute letter and the entries should be deleted. The entries were deleted from XXXX. 

On XX/XX/XXXX, I again retrieved a copy of my report an found that XXXX XXXX   had reported these same 4 derogatory accounts, that do not belong to me, on my Equifax report. I disputed with Equifax but to no avail. Equifax responded well after 30 days only to state the accounts were verified. I submitted a response to their findings by inquiring as to how they were able to get a response from XXXX and my efforts were not successful as the company just blatantly disregarded my dispute. I then escalated this dispute to the CFPB against Equifax and at XXXX ( as it appeared on my credit report ). It took Equifax over 60 days to respond to the CFPB only to state that they would send a letter with the results from the investigation to me. Again, I received the same letter whereby Equifax stated the accounts were mine. 

I then sent XXXX XXXX another letter ( second attempt ) dated XX/XX/XXXX whereby I once again requested that they provide validation of these entries belonging to me. This letter was sent certified with a return receipt and to date, I have not received any correspondence from this company. Additionally, I requested that they provide a copy of the financial responsibility page for the accounts they are alleging I owe. Again, to no avail. This company is outright violating and continuing to violate my rights by reporting these inaccurate entries. These account entries DO NOT BELONG TO ME AND SHOULD BE DELETED FROM MY REPORT IMMEDIATELY! BOTH EQUIFAX & XXXX XXXX   ARE IN VIOLATION OF THE LAW!!!