WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I disputed an account from XXXX. Per the agency they submitted a deletion request due to this account not being mine. Spoke with representative of Transunion on XX/XX/XXXX and the representative stated this was not coming off because it was validated.
I continue to receive harassing phone calls from the " Law Office of Charles McCarthy Jr. & Associates. '' I have received phone messages approximately weekly for at least the past two months. The caller identifies himself as an employee of " the Law Office of Charles McCarthy Jr. & Associates '' and requests that I call him back. I have been told to never return these calls because I owe no debt and if you return his call you have then verified your number and existence. 

I am XXXX years old and again, and I owe no debt. 

Please see the attached link for information, XXXX XXXX XXXXXXXX. 

Also, it should be noted that I have never received written correspondence that I owe a debt of any type. Also, I have never filed bankruptcy. His address, phone number, email and Web Site is noted below : Law office of Charles G. McCarthy Jr. & Associates XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) -XXXX Fax # XXXX XXXX XXXX XXXX XXXX/ Again, refer to the following : XXXX XXXX   XXXX. This is an on-going issue.
I am an XXXX. I tried to rent a place 2 years ago, close to the University XXXX. At that time I had never been in campus, so I asked the receptionst for advise about how close was the apartment complex to the XXXX of the University XXXX. They said that they were XXXX min. walking to the XXXX. 
They immediately they asked for my information, my social security number, etc ... and sent me the contract to fill it outt. I never signed the contract in their offices. 

I never did it, because when I arrived to XXXX XXXX Michigan and discovered they did lie to me, I asked to cancel the contract and they did it by word. The manager told me that they were so sorry and that they understood that they were not that close to the university. 

Everything went well, they have my email address. 
They never contacted me again. On XXXX XXXX, I received a letter from ProCollect with a debt of XXXX dls. 

I do not recognize this debt because I never lived in XXXX XXXX, and I never signed a contract in person in their office. 

Now this is affecting my credit score. I have't had any problems with my credit scores before, I always pay my debts when I know I owe money but they never tried to contact me during this 2 years and now they are just affecting me. 

The manager at that time told me that I was fine. I do not have any other documents from them telling me that I owe money. 

So I do not recognize this debt, since the manager canceled it.
Kingston Marketing LLC a company I never heard of contacted me through a automated system leaving voice messages on my cell phone on today XXXX XXXX XXXX. I received these cell phone calls of a collection scam department leaving me a bill from my account and last XXXX digit of social being scammed by this Company customer service team at their LLC phone number XXXX. The lady transferred me to a Manager who caught the lie of the worker saying this Company have a 2011 payday loan in my name. They brought up I owed XXXX XXXX and XXXX XXXX so their Manager said Kingston XXXX will be taken off file I disputed but I just told this Company their scamming me so I need this Complaint documented I do n't know how many Companies do this but I have been scammed and had to pay collection companies that I do n't know about and a affidavit did not help me recover thousand of dollars I had to pay just to not be harassed but after this Company I am explaining got my personal information through the Government I need to send it over to Consumer Finance which is this Company to get rid of this Company having my Government and telephone information on their recorded line. They stated my information I did not provide it so I can only get this Complain in so it stop today this year not next week.
This account does not belong to me. Have made several attempts to have this removed. At the time of debt I was underage to have even entered into contract. I was told that I was XXXX and could give verbal consent for someone to open a account in my name
On XXXX/XXXX/XXXX XXXX XXXX XXXX recived a notice from carfinance capital/XXXX XXXX XXXX, stating that they have my vehicle and that i have broken my promise in our agreement.after reading the notice i then called Carfinance the person i spoke with says their name was XXXX, after explaining the reasons for my call she stated that she does not know the reason for or why my truck was repossed because it is, showing that my payment was up to date and there is no missed payment.because that the has just received payment from me on XX/XX/XXXX and i would have to speak with some one in a other dept.about my situation.i was then transfer to someone else.this prson can not recall name said because my truck was in the shop and was not pick up on time they went and repossed my truck and if i want the truck back i have to come up with {$4800.00}, i bought this vehicle used for the sum {$10000.00}, making payments on time i received this notice on XX/XX/XXXX that the vehicle will be sold at a private sale on XX/XX/XXXX on XX/XX/XXXX i check my credit report and i had a repossession showing i was never inform what the vehicle was sold for never received anymore information other than this letter dated from XXXX i checked my credit score again onXX/XX/XXXX now its saying i am 90 days behind on my truck payments with no contact stating about the sale of my truck.
Loan provider ( Navient ) lowered month due amount by XXXX %, while also preventing me from easily setting up recurring automatic payments. This option was previously available by other lender ( XXXX XXXX ) before being sold. This makes it more difficult to pay off loan amount quickly and shows the provider is seeking to get as much interest as possible. I did not approve lowered rate, but was rather opted into it by Navient.
Per DSG Collection response on CFPB claim number XXXX. They have not taken the {$60.00} off my credit report.
Commonwealth Financial Systems,  Incorporated  XXXX    XXXX   XXXX    XXXX  NH  XXXX  Collection/charge off {$830.00} Paid by  insurance  & payment was verified through original company-  XXXX   XXXX   XXXX .  XXXX  sent proof of payment to Commonwealth to remove, but they have n't.      XXXX  insurance covered bill.     Hospital visit 6 months ago.
HelloMy name is XXXX XXXX XXXX XXXX. I have submitted documentation to the BB @ T escrow dept XXXX to adjust my taxes and they still continue to refused to do so. 

The first time they wanted me to write a detail letter of why I was disable. ( this violate the health care privacy act ). When I told them I was n't going to give them this information they said they could not guarantee my form being processed. 
For the second time today I spoke with XXXX XXXX and I explained to her again that I was XXXX Total and Permanent and that I needed my taxes adjusted. SHE REFUSED TO DO SO.. 
BB @ T keeps asking for the same documentation that I have already sent them and then they say that it is n't sufficient. 
I spoke with the XXXX County Tax Collector Office and I was told that the document they provided me is what needed to make such adjustment. 
I was also told that the XXXX County Tax Collector 's Office that Banks in general were giving disable VETS a hard time in accepting this form that shows their tax information. 
I think someone should look at this issue. No Veterans should have to endure this kind of abuse from any institution. 

This is n't just for me but for every Veteran up there that has to deal with abuse and non sense daily. 

Included is the documentation that has been fax to them XXXX since XXXX with no positive result. 

Ps This directly violates Federal Law found in the Federal Registry Of Regulation. 

Please get the word out. I know I am not the only dealing with this abuse. 

Thank YouXXXX XXXX
I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
XXXX and other furnished XXXX XXXX, XXXX XXXX, Innovis 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 Act, you are required to comply.My name is XXXX XXXX XXXX, I recently reviewed my credit report and discovered the following addresses listed. These addresses are inaccurate. 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 XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Dear Frost Arnett After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2016 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Chase credit cart does not allow the consumer to choose the monthly automatic payment amount. Chase only gives consumers two choices, to pay only the minimum amount or pay the full amount. Which effectively allows chase to charge the full monthly interest on the entire balance which is more than half than the minimum payment. Which means your balance never lowers or the debt never goes away.
Chase has a substitute pay plan called Blueprint payments, which gives you a option to choose a cate  gory of current monthly charges and pay for only those purchases in full. Which still leaves your prior balance interest at the same level and not lower that balance. Which also means the principal balance and interest never gets lowered. In addition to have to pay a larger lump sum the same month of your charges, which is a added burden on the consumer to manage the debt.     Every other banking institution gives the consumer the option to choose the monthly amount to set up automatically.
Equifax removes and reinserts so that WE pay big bucks but it is n't to watch others it is to watch XXXX! XXXX is supposed to be removed from my credit report. Seems only Equifax has problems reading XXXX. I have reported them multiple times to XXXX XXXX, Attorney General 's Office, as well as the XXXX to no relief. 

See letter to REMOVE XXXX from my credit report.
XXXX XXXX XXXX XXXXXXXX # XXXX - Took out Flood Gap Insurance w/ out approval and refuses to update my account with the sufficient Flood Insurance policy information provided by XXXX XXXX - this has been taking place since XX/XX/XXXX. 

W.out my consent, Wells Fargo initiated a policy with XXXX XXXX XXXX XXXX for Flood Gap in the amount of {$2300.00} annual premium when I already had a sufficient policy in place with XXXX XXXX since the closing of the property in XX/XX/XXXX. 

Property Address : XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX   Policy # XXXX Wells Fargo refuses to update my account with the correct and sufficient information from this policy. This is yet another deceptive ploy by Wells Fargo to charge their customers for products not warranted, not necessary, and not approved by the customer. Wells Fargo was sold my mortgage by XXXX XXXX shortly after I closed on the property in XX/XX/XXXX.
I have been receiving calls for years from several debt collectors for my husband 's son 's debts. We owe nothing. My husband and his son have the same name. I have told them to stop calling and gave them son 's phone # but they call several times a day some with different phone # 's ... ca n't answer my phone anymore. 
Last number XXXX. PLEASE HELP! Thank you
I have wrote CSA about a debt that I was seen on my credit profile. I finally reached out to the company and asked them to validate/verify this debt. They have yet to verify it. They are in violation of my consumer rights. I have asked them to send me copies of any signed document stating that I have made any kind of agreement with this company ( CSA ) stating that I agree to pay CSA. They have not sent me a contract or binding agreement that shows my original signature and they are required to do according to FCRA. Not to mention this is addressed at an address that I DO NOT reside at and never have and not to mention they have a contact number that has never been assigned to me.
I was contacted on Monday, XX/XX/XXXX with a voicemail from a XXXX XXXX, claiming to be a legal carrier and that I was scheduled to be served Tuesday, XX/XX/XXXX, either at home or at work. He provided a phone number to contact the creditor directly at XXXX, case file # XXXX. 
I spoke to a man who was trying to collect a debt from Check-n-Go payday loan. I did n't know if this company was legitimate or not because I was in my car and could n't look up the company. The debt is legitimate so I signed up for payments to pay off this debt. He was adamant that I needed to sign a release of funds from my credit union in order to charge my debit card. I had not faxed the form as of yet but I did receive a declined message in my email. First, I wanted my card to be charged every other Friday starting on XX/XX/XXXX. What I need to know is if this company is real, can they threaten to take legal action and can they take funds from my account without signing their document? 
I spoke with my representative today and he stated the opposite of what he told me on Tuesday. He said the email and release was for my records. I told him that it did n't make sense because he was adamant that I had to physically sign and not electronically sign the release. He stated in the second call, that I did need to sign the form in order to get my paper stating my account had been paid in full, otherwise, I would not receive this letter. 
I told him that did n't make sense because if its paid off, it 's paid off and again, he said I needed to fax it in. Then he told me he sent me a physical copy and that I could sign it and mail it back to him. I did contact my credit union and they said I could n't do anything at this point ; however, I can block this company from charging my card ; however, I 'm scared not too because I do n't want any legal actions taken against me.
This company has repeated called my phone. When I spoke to them, the gentleman gave information that was false. He mentioned accounts that I do not have and then mentioned I have products that I never have had. I explained to him the information was inaccurate and that he has not provided me anything that I recognize. He then gets loud with me and yells " stop stealing! Stop defrauding people! '' This is a false claim and slanderous. Terrible.
I file Chapter XXXX U.S Bankruptcy Court District of Nevada ( XXXX XXXX ) # XXXX Debtor Discharged XX/XX/2016 My Wife XXXX XXXX XXXX and I XXXX XXXX XXXX have NO INTEREST on a house located at XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Bank of America & XXXX XXXX have fraudulent documents from XXXX XXXX ( XXXX ) claiming to be my Wife. there is several notary documents from NOTARY XXXX XXXX Commission # XXXX stating she has been getting loans from Bank Of America under my name without my consent with a blank space ( Must be Signed Exactly As Printed ( Not Present ) I had never married XXXX XXXX She is NOT MY WIFE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX
Equifax has mishandled my information, did n't notify me XXXX I found out via social media and had to go to their poorly made response site to check for myself XXXX, and now has cost me several hours and will continue soaking my time and money to deal with paying for and monitoring reports against fraud as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
I opted for voluntary termination of my car finance with Santander in XXXX. I have checked my credit score and it says my account has been seriously in arrears and gone into default as well as it saying the account has been closed. I was informed that voluntary termination should not affect credit score as written in legislation. I have emailed santander but received no reply as of yet. I have never missed a payment for any loans or finance in all of my credit history. I think this is unfair and needs to be amended
A XXXX account in the amount of XXXX and XXXXXXXX XXXX account in the amount of XXXX was open in my name I have been a victim of identity theft I been disputing these account since last year. I sent both companies police reports and a identity theft affidavits.
This collection company named Amshercollection Services is reporting on all 3 of my credit reports. This is the 3rd company that is listed on my credit reports and has tired to collect on this debt. I called this company and they stated that they do not have this file or account but they are reporting on my credit report. I want this item removed from all my credit reports ASAP. This reporting is affecting my credit rating and my ability to receive credit. I was a victim of theft and someone received credit in my name. This account does not belong to me. Please remove
Company has not validated debt at my request but still reports the debt to the XXXX major credit reporting companies. This violates 809 ( b ) of the FDCPA.
I have contacted Experian on 3 different occassions and they have responded to verify and not sent me the proper document to show that im the owner of those account .... I have received nothing to show the the account have been properly verified ... ..
Trojan Professional Services is a collection agency which I hold no contract with nor have received services from, however, they are reporting a collection account against my SSN in the amount of {$1900.00} with XXXX, XXXX and XXXX credit reporting agencies. I requested verification of debt from each credit bureau, as well as Trojan Professional Services via a third party company. However, I have not received adequate proof. Considering this business does not have a contract with me for goods or services they have provided, nor have they provided adequate proof, I am not obligated to pay the alleged debt. They have never sent me a notice of the account information, nor have they validated/verified the debt before placing it on my credit report.
Starting the week of XXXX XXXX I 've been trying to send money to XXXX through Xoom a company affiliated to Paypal but I have n't been able to do it because all of my attempts get canceled. 

I 've never opened an account directly with xoom but I was able to send money with my XXXX account -XXXX until recently that I had to create a xoom account because the other one it  is a paypal account and not a xoom account and I was't able to use it on the mobile app of xoom.

I called the verification department of xoom several times asking for their help including supervisor  XXXX and over several hour long calls up to this date they have n't been able to help me with this situation because they say there 's another account open that I can not remember or I did n't created. I 'm aware of the risks that this situation brings to me, like for example the possibility of a money laundering scheme or problems with the IRS out of an identity theft for me. 

I believe the company might not be compliying completely and correctly with some U.S. Federal  Regulations including the Dodd Frank Wall Street Reform and Consumer Protection Act to detect fraud and other illegitimate uses of the service.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPT. TODAYS DATE : XX/XX/XXXX ARC Management Group {$2200.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt  caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARC Management Group {$2200.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX