WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX CT, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX
I took out a car loan from XXXX in XX/XX/XXXX for a XXXX. I was never late or missed a payment. I decided to trade the car in for a XXXX in XX/XX/XXXX. The XXXX was parked at the XXXX dealership ( per the dealership suggestion ) while awaiting the trade-in but was towed for exceeding a Parking limit. I was not aware it was towed. The tow company called XXXX ( as they are the registered " owners '' of the car until I pay of the loan ). XXXX failed to reach me promptly so they paid the tow company fees. I learned the car had been towed, called XXXX, repaid them the fees, picked up the car and traded it in for the XXXX and paid off the remaining loan for the XXXX. XXXX assured me that there would not be any affect to my credit for the misunderstanding. I did not default on the loan in any way. However, " Redeemed Repossession Closed '' is in the remarks on some of the credit reporting agencies. This remark has prevented me from obtaining a business loan and I would like it removed. This was a miscommunication issue that was resolved within a few days and XXXX assured me it was cleared and would not show up on a credit report. I have attached a copy of one of the credit reports that shows that no payments were missed or late, the loan was paid in full.
XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/Airlines XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX  XXXX, XXXXXXXX XXXX   Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX/XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX/XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
I am aware of repeated phone calls from " XXXX XXXX '' leaving messages on the phone of the victim and the victim 's family members ' phones, starting on Friday, XXXX XXXX, XXXX. After research, the phone numbers coincide with the ( XXXX ) area code, but the fax number is a ( XXXX XXXX XXXX, GA area code. In addition, when the victim ( who is permanently and totally XXXX ) returned the call over the weekend, the victim 's call went to voicemail. The outgoing voicemail message ( sounding much like " XXXX '', sans the Southern drawl ) stated this " law firm 's '' operating hours in XXXX XXXX XXXX, not Central Standard Time such as is the time zone in XXXX, TX. In addition, when the victim received a call from " XXXX '' at XXXX am on Monday, XXXX XXXX, XXXX XXXX outside of " business hours '' and outside of any legal debt collection laws which require specificity in the hours in which the victim can be contacted. And, when the victim did speak to " XXXX XXXX '' and " XXXX, the file clerk '', the victim was repeatedly castigated, was threatened to reveal the individual 's social security number and other identifying information. There was no lawful debt collection practice during the verbal preamble from " XXXX '' or " XXXX '' stating ( by law ), " This is an attempt to collect a debt ... '' In fact, " XXXX '' and " XXXX '' made disparaging remarks about the victims voice to verbally insinuate aspersions about the victims sexuality. In addition, the XXXX BBB address information about this " business '' and the address on the website do not coincide, but the individuals who answer the aforementioned phone numbers are the same. THIS IS NOT A LAW FIRM. THIS IS A SCAM. THE WEBSITE IS A SCAM. THE CALLS ARE A SCAM. I DEMAND PROSECUTION TO THE FULLEST EXTENT OF THE LAW, AS AFTER THE INVESTIGATION IS CONDUCTED, I REQUEST THIS SCAM REPORT BE FORWARDED TO THE FEDERAL TRADE COMMISSION.
I was made a principal car loan maker or buyer, instead of a co-maker at XXXX XXXX on XXXX XXXX, XXXX by The Office Manager just to materialize the car lease. I was deprived to read the contract to fully understand and was given limited explanation and forced me to sign. Since that time my sister-in-law badly needs the car for their children, but to no avail I was forced to signed against my will. My sister-in-law relatives after 5 months became a strong XXXX victim in the XXXX, so she decided to surrender the car for financial constraints. The XXXX resale the car and charged the difference to me since my name was a Primary Buyer. The American Honda XXXX was charging me {$7900.00} despite of the request to waive the differential cost since we paid during 5 months and the car was in good condition and my sister-in-law relatives were badly affected by the XXXX and need to send financial assistance. That 's why she gave up the car. Now, the differential cost was sent to XXXX XXXX , XXXX as the debt collector 's agency. My sister-in law who is the sole working since XXXX with a XXXX child and XXXX children can not afford to pay the difference. Since my name was in the primary lease contract, my credit score became worsened and very low for that situation. I need to clear up my name and corrected the reports from XXXX reporting agencies. I can not pay the said amount because I was only made a principal by the XXXX because of my high and good credit score during the signing of lease in XXXX. May I request to please help me to clear my name and to ask the XXXX to waive their claim. Thank you.
The following XXXX XXXX account on my credit report are showing 120 days late payment which XXXX XXXX U.S. Department of Education department honored to remove the 120 day late payment from my credit report. Please see letter enclosed from XXXX XXXX XXXX and please update my account and remove the only 120 day late payment that was listed in XX/XX/2017on my credit report. 

The letter enclosed includes the following XXXX XXXX   account numbers : XXXX XXXX XXXX XXXX I have also faxed your company the letter enclosed and filed a dispute with your company requesting the information the be update and never heard anything or received a responce
XXXX XXXX has sent a bill to collections that was already settled. They are charging me for a modem that was sent back a long time ago. They say they have no record of this. I have researched XXXX XXXX and there are numerous reports of other customers who have had this problem with XXXX XXXX.
I was an emergency room patient at Presence XXXX XXXX, XXXX, IL from XXXX XXXX, XXXX through XXXX XXXX, XXXX. I, allegedly, was seen by a doctor belonging to the XXXX XXXX XXXX of XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I started receiving phone calls from Escallate , LLC, a debt collector apparently collecting for XXXX of XXXX XXXX, XXXX. I verified my home address with them, and they agreed to send a letter of verification of the debt. To this date, I have not received any verification of the debt, any written communication what-so-ever from the collection agency, or any statements or written communication from XXXX of XXXX XXXX, XXXX. 

The collection agency broke numerous provisions of the FDCPA in attempting to collect this debt, which are outlined in the attached letter. Additionally, XXXX of XXXX XXXX, XXXX, practicing in a non-profit hospital, XXXX XXXX XXXX, violated provisions of the newly-enacted IRS 501 ( r ) regulations, by failing to explain financial assistance policies and failing to send a 30 day notification of Extraordinary Collection Actions. 

After allowing the agency 30 days to send the notification they promised, I drafted a letter to the agency. On XXXX XXXX, I mailed a Certified Letter to Escallate , LLC, outing the laws that they broke and requesting that they cancel the account. I never received a response to this letter, which is also attached. 

Lastly, I was notified that they placed the account on my credit report in XXXX, XXXX, which means they violated further laws by failing to verify the debt prior to it being placed on my credit report. They are also reporting the Date of First Default as XXXX, XXXX. Having been seen on XXXX XXXX, XXXX, the Date of First Default has to be at least XXXX XXXX, XXXX, under provisions set forth in the FCRA. 

It is my firm belief that the collection agency engaged in deceiving practices by promising to send me written verification of the date and failing to do so, thereby exhausting the 30 days consumers are allowed to dispute a debt prior to it being reported to the credit bureaus. They have violated multiple provisions of the FDCPA FCRA, and 501 ( r ),
I live in the state of Texas. After sending emails XXXX for verification of debt i am requesting that the debt be removed from my credit report. I have not received any information pertaining to debt nor any proof of required information pursuant to Texas XXXX. I can not validate debt as mine as I have not any proof of debt, nor any communication from IC System Inc in the time allowed from said TX XXXX XXXX.
I have an account with a company named XXXX after several months of the company reporting a good payment history to Equifax, Equifax refuses to add the tradeline to my credit file ..I have provide email communications from the creditor, email communications from Equifax representative to the creditor stating they are reporting the item however the item doesnt appear on my file as a result it appears I have less credit history then I really do and it it causing my credit score to be lower
Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect.
I purchased this property on  XXXX   XXXX ,  2016   ( fo reclosure ). I have paid my Mortgage every month until  XXXX . In  XXXX ,    2016  my mortgage lender informed me that I owed {$8600.00} property tax that they paid on my behalf. I have contacted DCRA, and was told the property is classified as Vacant and Blighted, and D C Tax & Revenue Office to res olve this matter. I have done the leg work for the mortgage company from  XXXX  til now and provided them how they can  get their refund back from DC Tax Revenue Office, How ever, before this matter is resolved my mortg age loan has been sold to another company. I have started all over again explaining my situation, since they are demanding to get paid the above amount. In  XXXX  my first mortgage loan company return my payment and advised me that the loan has been sold to another company Finally after my case went to  the Tax Appeals Commission Court, and granted the request for removal of the vacant and blighted property designation, I have attached a few documents to support my case.
I submitted an online money transfer via moneygram.com due to them advertising XXXX minute transfers using debit/credit cards. I submitted the transfer at XXXX eastern time; however I didnt receive a confirmation/reference number via email as they stated so i waited a while in case it would take a little longer. At XXXX I called the customer service number to check the status of my transfer because their ad states up to an hour. when i spoke to a rep at XXXX I was told it will take another hour and XXXX minutes to complete my transaction; I then pleaded and asked could they process it quicker and honor the their promise of 10 minute transfers, because my husband was out of state and needing the money. I was told they were experiencing high call volumes/transactions and he couldnt do anything about the wait time and it would take XXXX as he stated. It is actively now XXXX eastern time and the money is still not available. It is exactly XXXX minutes since I called to follow up. Moneygram should not be allowed to market a XXXX minute electronic transfer if they are not going to honor it. In this day of technology there is absolutely no reason why it should take more than two hours and counting for something promised at XXXX minutes. This is affecting the livelihood of consumers who use this service. The purpose of utilizing a XXXX minute transfer is because we have an expectancy of fast delivery (XXXX minutes). Today is Saturday XX/XX/2015 at XXXX which means we now have no access to banks and bank transfers as an alternative so we solely depended on this Moneygram transfer as a resolve. At XXXX most moneygram locations/agents will be closed. This means that my receiver will not be able to access the immediate/emergent needed funds until tomorrow.
have disputed the late payments on XXXX XXXX XXXX XXXX account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
On XXXX XXXX, XXXX XXXX XXXX was hit by hurricane XXXX. The entire island was declared a major disaster area by FEMA. On XXXX XXXX, I followed the instructions on the XXXX website to request disaster forbearance. The instructions said to send an email with information about the disaster and how your work or home were affected. I did that. I received an email from XXXX acknowledging they received my message. I received no reply so on XXXX XXXX, I emailed XXXX again asking about the status of my forbearance request. I received no reply. I also got an email from XXXX acknowledging receipt of my email on XXXX XXXX. On XXXX XXXX, I contacted XXXX through their chat system. The representative I spoke to said that they never received a disaster forbearance request for my account even though I had sent two emails to that effect. I put the request through again over the chat. Allegedly, it will take 7 to 10 business days even though at this point my payment is due in 2 days. XXXX is not addressing disaster forbearance requests for XXXX XXXX after hurricane XXXX. This is unconscionable.
I have asked repeatedly for proof of payment history and XXXX XXXX XXXX XXXX is refusing to provide documentation. Documentation is being required by another lender. Without proof, XXXX XXXX XXXX XXXX is pushing my family into financial hardship.
In XXXX XXXX XXXX XXXX XXXX , XXXX, in XXXX XXXX, CA, who was representing XXXX, filed a lawsuit against me for a debt for a credit card I had originally with XXXX. Since I was unaware of XXXX right to collect on this account, I requested validation of the debt. However, I received no response even after filing my answer to the court and even through the " discovery '' phase. Now, XXXX years later on XXXX XXXX, XXXX, XXXX is now representing the buyer of this debt, Cavalry SPV I , LLC, and has filed a " Memorandum for Trial Setting '' on this debt, which is now time barred according to last-payment information on my credit report. According to my credit report, the last payment I made on my XXXX account was XXXX XXXX, XXXX years ago. My understanding is that according to California law, debt collectors can not sue for a debt that exceeds the statute of limitations or is " time barred. '' I am writing a letter to the XXXX County Superior Court asking the judge to dismiss the complaint due to the failure of the plaintiff to validate the claim and the fact that the statute of limitations has passed.
This complaint is against XXXX XXXX and Transunion. I have been locked out of all online dispute services even though I belong to several sites I am being billed for to access my credit reports. Recently, I spoke to XXXX about completely removing some third party billers from my credit report. These people have been paid. They verbally agreed to remove the accounts after they were paid. 

The below items were sold to a third party biller. This means that the original creditor has written off said " debt. '' This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

XXXX XXXX XXXX has no right to collect money from me, or be listed on my credit report XXXX XXXX XXXX XXXX XXXX. XXXX was paid in full. That is the original creditor. This is illegal. 

XXXX was paid in full. They promised to take the collection off of my Transunion credit report. 

A XXXX XXXX public record is on my XXXX credit report. These dishonest people were paid by in XXXX. They took it off of my XXXX credit report and put it on my XXXX Please remove this. It keeps me from getting credit cards. 

XXXX University was paid in full in XXXX to a third party collection agency. It is illegal for them to be listed on my Transunion credit report. 

XXXX XXXX is also on several of my credit reports after being paid off, and promising to delete the accounts. 

XXXX Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain hospital records and try to collect money from me. The hospital had COBRA, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

XXXX XXXX They are listed on my credit reports along with a third party biller. If this is not illegal I do n't know what is. 

XXXX XXXX XXXX XXXX This third party biller is the company that XXXX XXXX wrote off my debt on its taxes to. This constitutes a This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

XXXX XXXX Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain medical records from my XXXX clinic and try to collect money from me. The clinic, XXXX XXXX had XXXX, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

Public record- XXXX XXXX XXXX I paid this in full in XXXX. They verbally agreed to move this from my credit report. They took it off of my Transunion and XXXX. However they sneaked back later and put this on my XXXX credit report. It must be deleted because it caused me to get turned down for credit card offers.
My complaint is about  XXXX   XXXX   XXXX   XXXX  continuously using third party collection agencies to collect on a debt that was settled in  XXXX    XXXX  . Id like to file a complaint against  XXXX   XXXX   XXXX   XXXX  for the continued harassment.      XXXX   XXXX   XXXX   XXXX  should not be able to continuously try to collect on a debt that was settled in  XXXX    XXXX  . I cancelled my phone service in early  XXXX    XXXX  , and the bill was {$520.00}. I was billed an additional month at {$190.00}, this bought the amount to {$720.00}. I didnt understand why I was billed an additional month that I didnt have service. I could not afford this payment and an arrangement was not made available.      XXXX   XXXX   XXXX   XXXX   had   XXXX   XXXX   XXXX   XXXX   XXXX , a third party Collection Company to contact me in  XXXX    XXXX  , and offered a settlement of {$400.00} from the original debt of {$720.00}. I accepted the offer and it was settled. The harassment from  XXXX   XXXX   XXXX   XXXX  continued and has been ongoing (  4 )  years with no end in sight. They just use different third party collection companies to harass me.     Now  XXXX   XXXX   XXXX   XXXX  is trying to resubmit the debt and collect on the {$320.00}.  AFNI, Inc.  even submitted false information to the credit bureaus that the original debt was {$320.00} in  XXXX    XXXX  . I have my original statement from  XXXX   XXXX   XXXX   XXXX  which shows tha t AFNI , Inc. , is providing the credit bureaus false information.
Today at approximately XXXX i called Green Tree to schedule a payment for my mortgage. At such time i spoke to XXXX my account rep. I explained that i was going to be about 34 days late on my mortgage that i will pay it on XXXX/XXXX/15 for the XXXX, 2015 payment. I have done this on XXXX other occasion in the last few months. During the conversation she sees my payment history usually late but like i said only once pass 30 days and i catch up. She tells me to hold on and transferred me to a XXXX or XXXX i could not hear very well. The conversation becomes aggressive immediately demanding that i come up with the money before XXXX XXXX. His tone out of control. I said excuse me did n't your company just settle a suit with such tone, harassment against your clients? He says I 'm not harassing you. I said well guess what are you going to accept my payment for the month of XXXX now for XXXX XXXX? He said no only if you pay XXXX months XXXX and XXXX. I said look i will pay XXXX on XXXX XXXX. XXXX looks as if it will be past due about 35 days. In XXXX i get paid XXXX times that month i should be able not to fall 35 days behind. His tone becomes high demanding again and now even more uncontrollable. Telling me, i just pay rent since i can not keep up with my payments. I told him that i hope this is being recorded bc he is out of control also mentioning that I 'm protected from when i filled for bankruptcy a few years ago that i paid XXXX for this house owe XXXX now and that I have read the contract that i signed under the modification prior to my bankruptcy with them. He keeps on with his tone and anger disrespecting me demanding. That i must pay. I then identify my self as a XXXX and that i do not like his tone. He goes on demanding the payment before XXXX 2015 he adds by saying " pay out or leave your paying rent ''. I said wow i cant believe i hope this is all recorded and before i loose my cool i decided to hang up.