WillisBack/dataset-financial-user-claim huggingface dataset:
The company, PCB called from XXXX, in an effort to collect on a debt owed to XXXX XX/XX/XXXX XXXX in XXXX, OH. My daughter had suffered an accident in the Fall and at the time her mother was handling the medical bills, as was our agreement in our parenting plan. Her mother died in XX/XX/XXXX, and I have been slowly learning of and resolving the outstanding medical debts. 

Over the last month I have already resolved over {$1100.00} of outstanding bills, including {$750.00} just earlier this week. On Thursday, XX/XX/XXXX, at XXXX XXXX  I received a call from PCB while I was on my way to work ( I work second shift for a State agency that manages XXXX broadcasts in the State of Ohio ). The caller informed me she was calling to resolve a bill owed to XXXX XXXX XXXX. I informed her that I was driving and could not resolve the issue at that time. The caller told me that she would mark that down as a refusal to pay. I told her I wasn't refusing to pay, I just could not retrieve my payment method at that time.The caller informed me she could wait for me to pull over so I could retrieve my Credit Card. I informed her I was on the freeway and could not pull over at that time. The caller informed me she would wait. I said fine and continued to drive. About a minute later she asked if I was ready. I informed her that I was not, that I was still on the freeway. She again said that she would mark it as a refusal to pay. 

Once I was at a safe place to park, I contacted XXXX XXXX XXXX myself and took care of the balance directly.
Out of nowhere, I got an alert on my credit monitoring service that a new collections account showed up. After reviewing it, it was  Southwest Credit Systems  for a debt they say I incurred back in   XXXX   with  XXXX . I spoke with someone there and told them that I never received any information about this debt and it was not mine. I never got a statement or any information on what it was. The agent said that even though it was n't mine, since I was buying a house, it would be in my best interest to pay it off and then they would remove it. I agreed, but it still shows on my credit report and still shows a balance due. It 's actually showing on ALL  XXXX .  XXXX ,   XXXX   and  XXXX . They never sent me anything or gave me the opportunity to get more information. They essentially held my credit report for ransom and demanded money in order to not ruin my credit  score.  But then ruined my  credit score  anyway.
To Whom It May Concern/ Dear Td Bank XXXX XXXXXXXX XXXX I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ). 


I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 

Td Bank XXXX XXXX XXXX XXXX XXXX XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA XXXX 


You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible.

THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.
Capital One has been emailing me account information for someone else for nearly a year now. They opened an account XX/XX/XXXX and I have been getting emails ever since then. I called them back and spoke directly to a customer service representative that told me someone with the same name and a different social security number signed up for the account. I told them they used the wrong email address and requested they open an inquiry. I thought it would end there but I keep getting emails about this persons account. 

I am sure I had more emails notifying them of their mistake ( I probably deleted some ), but currently I have 22 emails dating back to XX/XX/XXXX requesting that they stop emailing me someone else 's account information. I continue to reply or forward the emails they send to XXXX every time they email me, but they will not stop giving out someone else 's information. Below is just one email as I am sure you don't want me to attach all 22 emails. 

Also, FYSA XXXX, XXXX, XXXX or any way of spelling out XXXX with a period anywhere in it is still my email address. So there are emails received as XXXX and the ones I reply with are XXXX but it is the same domain email address for XXXX. Ask them if you don't believe me.
Violation of 809. Validation of debts [ 15 USC 1692g ] I sent SECOND ROUND SUB LLC, a letter requesting validation of debt and they failed to respond with original creditors name, address, original date of delinquency, proof of debt, copy of original contract, payment history and proof of State of Maryland XXXX and Resident Agent name as required by the State of Maryland ; Code of Regulations 7-104.
On XX/XX/2018 Transunion deleted my XXXX XXXX credit card from my report by accident. I disputed another card that was not suppose to be on my report and they deleted the one that belongs to me which dropped my score tremendously.
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!
Drive Time has to be the worst company by far. After being harassed the first time around the company still can not get it together. I had to put money in to my car which my warranty did not cover, I faxed all the information requested months ago for deferments which the people I spoke with several times had stated was approved. But due to a payment becoming a few days late because my account was froze due to fraud they did not process the deferment. Which is causing it to show that I am behind {$700.00} + on my credit report. So when I contacted them again after numerous times of keeping in contact they told me to call back at the beginning of the month to start the deferment process over again. Well I called today and of course they could n't do it for the full amount they stated they would before and I have to fax where I had the repairs done again with the receipts ( which I do not have because I already faxed in to them once ) before they would do anything. I advised her that I do not have those why did her company not keep them on file and she stated they have no place to store them. Company 's usually keep records of these types of things but apparently not drive time. They go out of there way to make it difficult for anyone. Granted I have had this car for almost 3 years and my loan has n't budged due to the interest they charge. The car is falling apart and the company refuses to work with you. They can just have the car back. Its not worth the hassle or the headache or {$470.00} a month. All they do is take advantage of people and ruin there credit even more. I have recorded each call and plan on speaking with my attorney again due to this situation. Others should know how horrible of a company they are.
An unauthorized charge of {$120.00} was taken from my prepaid credit card and applied to my estranged husbands account. When I contacted the company they said that because the card was used previously on the account, that they are authorized to take the funds. The card was supposed to have been transferred to my new account when I established it a few months ago. I have filed a complaint with American Express and with XXXX, both with no success. American Express said they would contact me within ten days with a response as to whether or not they will return the money, but dispite several calls to them, they will not connect me with anyone in the dispute division. They just keep saying it may take longer than the 10 days. Its been over a month since I first contacted them to correct this issue. Your webpage states that they need to respond within the ten days, or refund the money minus up to {$50.00}. Can you please help me?
In 2006 my husband and I got scam in the sub prime loan scam the mortgage then was held by XXXX XXXX at the time I have been in this fight since 2006 trying to save my home, my husband was a veteran who bought this home as a fixer upper with his Gi loan he is now decease. They say that my home is up side down I have cased in all of my retirement fund trying to save my home the mortgage was at one point {$3000.00} dollars a month. I have been in this fight since 2006 Iam now with Sps servicing since last year it 's seems like they are not trying to help me get a modification me and my daughter and son have sent in every documents that has been required to be sent to them they come back to say that they do n't have all the information I have faxed I have sent it overnight that cost me money that I do n't always have Iam XXXX years old all the money that I ever had in my life is in my home. Iam now living on XXXX income I have worked XXXX jobs all my life me and my husband. All Iam asking for help and to be in the modification programs the mortgage is to. High. to keep and save my home. Thank any help would be appreciated
I requested validation of bankruptcy reference # XXXX on my credit report from Experian and Experian sent me a letter stating that they verified the bankruptcy record through XXXX XXXX. I contacted XXXX XXXX and requested a report of everyone who has requested my public records and Experian Credit bureau was not listed as one of the ones who requested validation or verification of the public record. See attracted report for validation of my claim. 
Therefore Experian has never requested validation and has violated the FCRA by not provided me with viable validation bearing my signature to validate that this public records belong to me.
I suffer from XXXX XXXX XXXX. I obtained an XXXX system from XXXX XXXX to assist with my physical therapy. XXXX assured me that it obtained all necessary approval from my insurer and that it was fully covered under my policy and that I would not have to pay out of pocket. I was previously pre-approved by my insurer for another provider, but used XXXX 's services based on their assurance that this necessary medical equipment was pre-approved by my insurer, as well as the fact that they told me the other provider ( who was pre-approved as a provider by my insurer, thus i would not have to pay out of pocket ) could no longer perform the fitting of the brace because it no longer had an orthotist. However, XXXX never obtained the pre-approval and later sent me a bill for {$7300.00}, and I am not sure whether or not it is true that the other provider did not have an orthotist at that time ( I trusted XXXX at the time ). 
I disputed the debt based on XXXX 's prior assurances and representations, but XXXX failed to respond and sent it to a collection agency. I am disputing this debt with the collection agency as well. XXXX is claiming I owe them money, but I do not based on XXXX 's actions, false representations, and unfair dealing with me. I uploaded a timeline and better explanation of all of the events.
I have an old XXXX XXXX account from Household Finance ( Account # XXXX ). The asset acceptance tactics for recovering date have caused hardship on my family as well as third parties ( relatives living outside my home ). XXXX XXXX has robo called and intimidated my family by telling them if I do not pay the debt I will go to Jail ... .needless to say my elderly mother was terrified for my well being. XXXX XXXX has violated my rights as a consumer and deployed terrorizing tactics to my family and myself. These tactics are listed in the FTC 's XXXX counter compliant charged against XXXX XXXX : 1. repeatedly calling third parties who do not owe a debt ; 2. informing third parties about a debt ; 3. using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt
I am a third party. I received 3 calls from Carmart in XXXX. I do not have an account with Carmart, no one living in my home has an account with Carmart, no one in my home has given Carmart permission to contact them. The 1st call on XX/XX/XXXX they left a message and asked that I have my daughter XXXX call them that it was URGENT. XXXX does not live with me, we are estranged. I did call her. It was very awkward. She apologized and said she was behind on her car payment that she would call them. The second call from Carmart, also on XX/XX/XXXX Carmart didn't leave a message. Todays call, XX/XX/XXXX, I told them I had already asked my daughter to call them back and then I asked them to stop calling me. They said they would not, they said they would call me three times a day until I had my daughter call them back. I have given them all the contact information I have for XXXX. This feels like harassment, so I told them I would report them. They said go ahead.
I recently pulled my credit report from XXXX  and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account in XX/XX/XXXX. I have previous credit reports from both agencies pulled in XXXX of XXXX, and neither one of these reports show me late in XX/XX/XXXX. Not only was I never late on this account, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I contacted your company and talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my XXXX  dispute and my XXXX  dispute have just come in, and both say verified. How is this possible? You werent able to provide me with anything. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.
I attended XXXX College and majored in the XXXX XXXX program. I talked to the representative and after committing to the program I found out they misrepresented themselves tell me that the classes would help me in my career and also that I could transfer to a four year university after completing this course. I found out shorting that wasn't true and that their courses don't meet state requirements. I shortly contacted them and let them know that their program wasn't transferable and that I was no longer interested in the program. XXXX College continue to debit money from my account and I had to end up closing my account to stop them. I then tried to apply for a auto loan and was denied because they reported to the credit bureau that I owe them XXXX.
My son and I live on {$750.00} per month. On XX/XX/2018 the same day of my ssi deposit ; my account was debited {$170.00} by a XXXX in XXXX XXXX XXXX. I was told I would still have to dispute this charge even though it was a breach on XXXX XXXX. I have disputed just as I was told too. Upon contacting XXXX XXXX XXXX I was given this info and told that I was the third person that had this problem. I have faxed three disputes and mailed there dispute form and still nothing .My acct card number was ran as a credit card, I explained that I was having hardship and needed these funds to pay my light bill that will be turned off if not paid tomorrow. I also told them if they would look at my acct that they could see that I am in XXXX XXXX. This is a nightmare. I have nobody to ask for help and I am so afraid. Nobody from this company will help me. I need a provisional credit. They know I didn't make this charge. Please help me. The dispute number is XXXX. My card was in my possession they have sent me another one. I memorize my pin number. 

Also upon calling the XXXX they told me no charges of that amount at the time I was given by XXXX XXXX had never occurred.
XXXX XXXX, 2016 - I received a letter from XXXX XXXX, Legal Recovery Law Offices , Inc saying the Plaintiff : XXXX XXXX XXXX vs Defendant - XXXX. It list no details except that there is a Declaration of Accrued Interest. Interest on the judgement accruing at the legal rate from the date of entry on balances due after partial satisfaction and other credits in the amount of {$940.00}. 

I called the Law Office to know what they are talking about but the was asking for social security and other personal information that I did not want to give. I was wiling to give the case number which is XXXX but the receptionist hung up. I feel that I am being harrassed by this law office and XXXX.
I am in desperate need of assistance. I have a sale date for XXXX XXXX and it has been XXXX ever since my loan was transfer from XXXX mortgage to State Bridge.I am tired of working directly with my new lender State Bridge because they are prolonging my loan so I can fall more behind. First I was always asked to re-fax documents when they confirm that they were received. Then with not even a month of expiration I had to keep sending them more documents, due to my file getting transfer to a new specialist every time. State Bridge will always say that they needed to have a complete package to presented to my investor but my packet was always complete. Once my file was presented to my investor State Bridge told me that I could not be help because I was offer the XXXX modification previously with XXXX bank. That there was no other work out option. I was so devastate because before my file got transfer to State Bridge the only modification I had was an in house modification. I was never offer the XXXX modification. However State Bridge has use this as an excuse in order to deny my loan. Also they have switch my income many times for their own benefit so I wont get any help. My total monthly income included my husbands is {$4000.00}. Therefore when I spoke with agent today XXXX XXXX, I was told that the income that State bridge has use was {$3300.00}. I told her that was incorrect and that I am tired of all this. I have even offer them {$15000.00} to get the help and still is not enough for them. I have escalate this to my investor as well the only person that tried to help me was XXXX XXXX from the investors office. However, she has been out from the office many days and now I had to contact XXXX XXXX from the investors office. He 's responds was just to let my home sale because I have a sale date for XXXX XXXX. That this will be a better option to just walk away. I started to cry when he told me this. I dont want to be homeless I told him I was going to file a complaint with the consumer financial protection Bureau and he told me that I can do as I please. That my home was going to sale either way. I want this adress. I have proof in writing of all the wrong doing they have done. Please I am begging for help. I do not want to be leave homeless. Thank you so much and I hope you help me with this awful situation.
My name is not XXXX XXXX XXXX. My name is XXXX XXXX. I believe XX/XX/XXXX or XX/XX/XXXX my credit I do was stolen and ever since then I have seen the name XXXX XXXX XXXX. Which is incorrect
I pulled a copy of my credit profile through  XXXX  and saw that a collection accouunt regarding account #  XXXX , which   XXXX   XXXX   claim I owe {$570.00}. This is not my debt. I sent a certified letter to company which returned back to as " unable to deliver. '' I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have   ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX  ) from your c  ompany or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA  807 [ 15 USC 1962e ] ; theref ore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
To whom it may concern, I XXXX XXXX, tried to obtain credit report from credit bureau XXXX/XXXX/2016, but Experian credit bureau failed to probate it for second time via internet. I recently applied for a house hold good and it was denied base on Experian credit report on file and encouraged myself to review the file and be aware of what 's being display in my credit file. By law I have the right to obtain my credit file and verify the information bureaus are displaying is accurate or correct and that the decisions made by the merchants or bureaus are not based on my XXXX religion, my XXXX appearance, or simple because the bureau failed to encrypted and properly allow the system to reach it. It sounds cold but when they turned you down because of this decisions mentioned above sounds like the Law is being broken.. 

Thanks XXXX XXXX
This company agreed to settle this usury interest rate account for {$1400.00}, I have paid XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX {$500.00} on the settlement amount, my credit report says I owe them {$4700.00} on a {$3500.00} account, I paid them {$2700.00} on this account before my income was dramatically reduced, I have sent them {$500.00} on this settlement amount on this account XXXX. Please have them update my account as paid in full. I am a XXXX XXXX XXXX XXXX.