WillisBack/dataset-financial-user-claim huggingface dataset:
recently my check was garnished and I was not informed of debt. I contacted the place garnishing my wages along with the " law firm '' neither will provide me with information or verification of the debt. I am currently food stamp eligible, informed them of this fact and they still will not stop the garnishments. They stated that I was served papers XX/XX/XXXX, but I never received any papers and have not signed for any papers. This is debt that was acquired in 2002.
I was told that this account was to remain on my account because of an address that was associated to this account. XXXX Ca XXXX. I have never lived at this address. This is an act of fraud and have been reported to law enforcement officials. Also fraud alerts have been placed on my reports. 
Please remove collections that are associated with this address I have NEVER LIVED HERE.THESE COLLECTION ACCOUNTS NEED TO BE REMOVED
I am a XXXX woman I previously just got fruaduatly inquirys taken off my credit and soon after more appeared some of the same ones, I have a XXXX XXXX XXXX who stole my identity and she have just been taken into custody as of X/XX/17 ... I ca n't even get out bed please help and remove these this is ruining me and I am so stressed behind this please help and remove these
American Credit Acceptance continues to call after I have told them repeatedly as well as sent them court documentation ( from divorce ) showing that this debt is the responsibility of my exwife and not myself. There have been 3 phone calls today alone one at XXXX CST one at XXXX CST and one at XXXX CST. When asked to speak to their legal department they have stated " this is not a legal issue ''. They have also stated prior that there is no legal department contact number.
Capital One Auto Finance, in conjunction with XXXX XXXX XXXX XXXX XXXX and XXXX have attempted to extort my family name and family business ever since I went in seeking an auto loan following the illegal activities of XXXX XXXX and their agents at XXXX XXXX XXXX and XXXX. 

I was unable to secure a loan for a new vehicle, I was forced and almost coerced by " XXXX '' " XXXX '', IDK his real name, to sign for a XXXX XXXX at a rate that was the exact same as the rate for the 2018 XXXX XXXX. Once I refused and pressed harder, he literally begged me to get in a new XXXX. 

When I refused that, he then proceeded to act aggressively and in a XXXX manner that made me and the employees at the nearby XXXX XXXX XXXX uncomfortable. 

I do not trust him, I do not trust Capital One on XXXX XXXX and I will never return to ask them for any credit in my name or my business tax ID ever again.
XXXX   XXXX   XXXX   serviced my mortgage for one of the government mortgage holders.  Huntington Bank  bought   XXXX   XXXX   XXXX       In a letter dated  X/XX/2017 ,  Huntington Bank    reported to me that my hazard insurance expired. It did not. They demanded I provide evidence I obtained new coverage. On  X/X/2017  at  XXXX  I corrected the mortgage information with  XXXX . They were to provide the evidence directly to  Huntington  at  XXXX . During a phone call on  X/X/2017  at  XXXX  for  XXXX  minutes, that evidence was accepted.     In a letter dated   XXXX  , Huntington Bank informed me that they paid, or schedule to pay, an insurance renewal premium and received another billing notice from a different insurance company.contacted me again with the same request. During a phone conversation on   XXXX   at  XXXX  for  XXXX  minutes, Huntington demanded I provide evidence of hazard insurance for the period   XXXX   to   XXXX  , a prior period. During the same call,  Huntington  rescinded the demand and stated I would receive a letter confirming cancellation of lender provided coverage around   XXXX  . They affirmed I had no other obligations in regards to providing any other evidence.     In a letter dated   XXXX  , Huntington Bank verified receipt of the evidence, but did not verify the period  XXXX / XXXX / XXXX  to  XXXX / XXXX / XXXX , a prior period. They resumed their demand for evidence of insurance and stated I am responsible for the annual premium of {$910.00} without that evidence. On  XXXX / XXXX / XXXX  at  XXXX , I attempted to call them. They announced they were closed, and I left my loan and phone numbers to have them call me back, as they offered. They did not call back. On  XXXX / XXXX / XXXX  at  XXXX , I attempted to call them again. They announced they were closed, and I left my loan and phone numbers to have them call me back, as they offered. They returned my call at  XXXX , and in that  XXXX  minute call,  XXXX   XXXX  informed me that a policy had been bound already.  XXXX  left a direct fax number.     From the  XXXX  web site, I printed my policy declarations for the period  XXXX / XXXX / XXXX  to  XXXX / XXXX / XXXX . That evidence, and the  XXXX  letters were faxed from my home phone to  XXXX   XXXX  at  XXXX , but has not been accepted at the time of this complaint.
I submitted a complaint prior XXXX and do not think it is right to have to wait 60 days for a response and still have this listed on my credit file which is inaccurate. I want this removed while this investigation is being held.
I check my credit report every month for accuracy. In XX/XX/XXXX there was a new item from a collection agency attached to XXXX XXXX XXXX for {$1700.00}. We had just recently installed our first system with them and were current on our bill so I knew this was an error. I called XXXX  and they said it was at an address in our neighborhood under my name. I filled out a fraud report for them and returned it within a day. I heard nothing for a month and called them to find out they had turned it over to another company, XXXX. I called XXXX  and they didn't have the file. I started the whole process over again which includes having papers notarized. In XX/XX/XXXX still nothing else had been done. I got a copy of the original contract with the installation address and attached the county records for this address with the owners name. The system had been installed XX/XX/XXXX and they had moved in on XX/XX/XXXX. I attached our records also proving we had lived here since XX/XX/XXXX. No response yet. I called yesterday and still nothing. I made a dispute with XXXX and they decided to add the fraudulent address to my credit report and are sending information to it now! We signed up for XXXX service in XX/XX/XXXX. Strange we never received a phone call, letter or bill on this account until we signed up for their service. They say my name is on the contract. I am sending a copy of the contract and the two county forms I sent to them.Hopefully you can straighten this out as they seem totally unable to help us.
The company listed below states that they are a creditor and that I owe them {$3500.00} for one account and {$2900.00} for a second account and this is reported on all three credit reports. I submitted a dispute with XXXX regarding this matter and the company in question has not returned an answer for my dispute. I never received any written documentation or have been notified by any means regarding this debt that the company claim I owe. I do not have knowledge of this debt and the company has yet to prove that I owe it and have reported this collection debt to all the credit bureaus and state that I owe {$6400.00} in collections on my reports. This is false and they can not prove it and have not yet answered my dispute. This is illegal and do not meet FCRA requirements. The company states the account was opened in XX/XX/2018. 

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX  XXXX XXXX, SC XXXX
Years ago I received threatening and hang up phone calls concerning some debt I allegedly owed followed by correspondence from a law fi rm ( glorifi ed debt collection agency ). If I remember correctly, I replied to the correspondence with a request for proof of the debt. No such proof was ever received. Now, years later, the debt collector/law firm has apparently obtained judgment to garnish wages. What 's going on?
This company has repeatedly called my phone at least three times a day. I have had to block calls just to get them to stop. No messages left. Just keeps calling with the intent to harass and intimidate people. I looked up the number and found it was EGS Financial Care , Inc., also known as XXXX who has been sued multiple times for harassment by people. They even have called after XXXX at night. Again no message but looked up number and matched them.
I purchased a vehicle on XXXX XXXX and it ways paid in cash. There was no financing however the dealership XXXX XXXX ran my credit to three different loan companies. XXXX XXXX, XXXX XXXX, and Capital One finance. None of these were authorized and all three above companies as well as the three credit bureaus wont remove any of the inquiries. I am trying to repair my credit and these XXXX hard inquiries are hindering me from doing so.
I 've requested Validation of the alleged debt owed and they only continue to send me the same canned response collection letters and collection letters in another language, looks like XXXX, which only tells me they are ignoring my requests.
XXXX XXXX XXXX called and left a message saying they were the Action Collection Agency of XXXX and asked I returned the call. When I called them back the agent said he wanted to confirm some personal details before he told the nature of the call. I asked him to tell me what the call was about before I disclosed any personal information. He refused and kept asking me to confirm my address. I told him that if he did n't tell me what he was calling about he could write me a letter but he refused to do that because he said he might be mailing the wrong person. ( He could be calling the wrong person too. ) The badgering continued for some time and I finally told him that without understanding his request I would certainly not provide personal information so I would end the call and complain to the appropriate agency. He said the call was over and hung up. I have no idea what this is about. I am not aware of owing anyone any money.
Not XXXX, but third party debt collector : -Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information contained in this database is current through XXXX XXXX, XXXX. 
Selected Entity Name : CLEARVIEW RESOLUTION SERVICES, XXXX. 
Selected Entity Status Information Current Entity Name : CLEARVIEW RESOLUTION SERVICES, XXXX. 
XXXX ID # : XXXX Initial XXXX Filing Date : XXXX XXXX, XXXX XXXX : XXXX Jurisdiction : NEW YORK Entity Type : DOMESTIC BUSINESS CORPORATION Current Entity Status : ACTIVE Selected Entity Address Information XXXX Process ( Address to which XXXX will mail process if accepted on behalf of the entity ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NEW YORK, XXXX Registered Agent & lt ; Begin & gt ; Agent called my father,, and let it be known they talked to him first. Began by threatening that I committed fraud by closing my account and they were about to file a lawsuit for fraud. ( Account was closed because of non-authorized withdrawals by unknown entities ) By doing a search on XXXX XXXX, it is resolved that they are NOT licensed in the state of Virginia. Thereby, the initial loan was felonious in nature. The strong-arm and uninformed tactics by Clearview Resolutions is unfounded and felonious as well.
Equifax will not delete the the hard inquirires and collection and negatives on my credit report. Also I received a Retaliation and Discrimination response from Equifax Management and Administration on XX/XX/XXXX,2017 .Equifax called me XXXX XXXX , my name is not XXXX XXXX . My name is XXXX XXXX XXXX and I am XXXX American. My credit scores and credit are suffering because of the major Retaliation from Equifax Administration.Equifax is Discriminating and Retaliating against me because of my XXXX American National Origin as a XXXX.
They have not removed the disputed balance from my account they have tons of evidence to support the claim. Im not suppose to be charged anything
Original letter from XXXX XXXX XXXX , XXXX. 
Alleged date of violation : XX/XX/18 Alleged balance due : {$160.00} Letter from Transworld Systems , Inc. ( " Company '' ) : XX/XX/18 Company has taken on debts from the City of XXXX XXXX as a loophole to circumnavigate Louisiana State Law in collecting Red Light Camera civil fines. As part of an ongoing class action lawsuit, I wish not to be contacted or harassed by a company which is not affiliated with the City of XXXX XXXX or XXXX XXXX XXXX Parish for collection of a debt that is currently in litigation. Future letters or calls with consequences of reporting to a credit bureau will result in further complaints to CFPB and/or included as part of the above litigation.
My wife answered a call on XXXX/XXXX/16 from XXXX, at XXXX. Searching on-line the number belongs to They want my date of birth regarding a debt. My only debt is my mortgage, which is current, so the is no reason a debt collector should be contacting me. My wife refused to provide my date of birth and told the person that this same type of calling occurred last month. In that case they stopped calling after the fourth time. She received a 2nd call at XXXX from the same number for the same thing.
I received a call from RS Clark and Associates on XX/XX/XXXX at XXXXXXXX XXXX   The lady who called verified my date of birth and read me the mini miranda disclosure that is required buy law. At the end of her talk off, she asked me if this was a refusal to pay? Now keep in mind I allowed her to finish her talk off and never even said a word about refusing to pay. I then asked her what day this file was listed with their office. She informed me XX/XX/XXXX. Per the FDCPA section 809 A and B, I have the right to validation of debt and the right to dispute my debt. Once this information is requested collections efforts must cease. I informed the young lady that I was requesting verification and validation of this debt and her response was they sent me a letter out. I also informed her I was disputing this debt since I was unaware of the debt. She then told me collection efforts will continue. This is a direct violation of of the FDCPA and I am entitled to actual and statutory damages from RS Clark and their client. This is no way to collect a debt. I work for a debt collection law firm and MUST follow the law. This is very unfair and deceptive to a consumer. I spoke with XXXX who was the collection manager and stated she would handle this, but I have my doubts. 

Account number : XXXX
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXXXXXX XXXX XXXX, NY XXXX*Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
I recently submitted a request for investigation of an Acct Number : XXXX ACC # XXXXXXXX XXXX ACC # XXXXXXXX XXXX ACC # XXXXXXXX XXXX ACC # XXXXXXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXI 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXXXXXX XXXX, NY XXXX
On or about XXXX XXXX, XXXX I received a collection letter from XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX informing me that I, personally, owed approximately {$15000.00} to a company named XXXX XXXX XXXX, also located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. 

I have known this company, and the the owners for many years. Various companies that I have worked for did do business with them. One such business, XXXX XXXX XXXX, did do business with them in XXXX, and those transactions resulted in the $ 15,000+ dispute. XXXX XXXX XXXX believes that XXXX XXXX owes them a considerable sum of money, and perhaps XXXX XXXX feels it is the other way around. 

However, I am not, and have not been, an owner, or an employee, of XXXX XXXX XXXX. I had nothing to do with the business dealings or transactions that created this dispute. Notwithstanding that fact, XXXX XXXX engaged the business next door to them - National Commercial Services ( NCS ) - to begin collection proceedings against me, personally. This was, and is, an obvious attempt at harassment. XXXX XXXX and NCS clearly believes that by subjecting me to this campaign of harassment, I might pay the debt they allege is owed, or at least lobby XXXX XXXX XXXX to pay the debt. 

On XXXX XXXX, XXXX I dispatched a letter to XXXX XXXX XXXX of National Commercial Services, informing him in no uncertain terms that I was not, and am not, a party to the debt, and their attempts to collect this debt from me is improper and exposes them to liability. 

Still, NCS continued it harassing collection attempts with additional demand letters. On XXXX XXXX, XXXX I learned that NCS placed an {$18000.00} collection debt on my XXXX credit report. I assume NCS has done likewise with other credit reporting agencies. 

This egregious and inappropriate action has obviously caused me severe troubles, as I have been attempting to rent a home and apply for other types of consumer credit. 

These tactics to extract money from myself, a person who is not, and never was a party to the underlying transactions is a flagrant abuse of the Fair debt Collection Practices Act ( FDCPA ). I respectfully ask that the CFPB take appropriate action against National Commercial Services of XXXX XXXX, California, and that they be ordered to remove their collection debt against me from any and all credit agencies.
XXXX XXXX : Equifax learned about a leak of consumers information XXXX XXXX : Equifax publicly announced the hack XXXX XXXX : I learn I personally was affected by using their website, equifaxsecurity2017.com XXXX XXXX : I learned my personal information has been stolen for multiple months before I had any chance to take protective measures XXXX XXXX : I learn they 're only willing to provide 1 year of credit monitoring in exchange for a lifetime of exposure and giving up many legal rights
Got a call from my Mortgage company on Tuesday, XXXX XXXX, 2017 at XXXX. They were surprised on why Navient reported a deliquesce on my student loan account, for it being 4 months past due. They were surprised because in XXXX of 2017, when applying for my mortgage, they pulled my credit and I was, at that time, listed as " in good standing '' with Navient. My first question is how do you go from being in good standing to being delinquent for 4 months in two months! The math does n't add up, there has to be a mistake. <P/>After receiving the call on Tuesday, XXXX XXXX, 2017 at XXXX, I quickly called Navient to settle the issue. I paid the past due payments, bringing my account to paid in full. They took the money out of my account on Tuesday as well. I called everyday since Tuesday, ( Wednesday at XXXX XXXX, Thursday at XXXX and at XXXX XXXX ) and finally on Wednesday night they processed the payment, even though they had already charged my account. I have asked everyday for them to send a notice to the Credit Bureau stating that my account was now paid in full, is current, and is in good standing, so that my credit score could get back to it 's previous score. As of right now, the response that I keep on getting from their customer service reps is that they can not send a notice until the end of the month. That does not work for me, because if that is the way it works, I will lose my house. My current credit score will not allow me to be granted the already pre-approved mortgage to pay for the house.
I sent Equifax, XXXX, and XXXX my FTC ID Theft Report # XXXX & XXXX Texas Police Report # on XX/XX/2018. I asked by letter that and the fraudulent accounts : XXXX XXXX ( {$100.00} ), XXXX  XXXX XXXX XXXX ( {$950.00} ), XXXX ( {$1600.00} ), and XXXX ( {$1400.00} ) be BLOCKED from my credit file under the FCRA section 605B. Talking with XXXX ( rep XXXX XXXX ) on XX/XX/2018 at XXXX XXXX central time he informed me that XXXX does not block but dispute accounts. This rep did not know about the FCRA section 605B or the language on the XXXX website which states a consumer can ask for the accounts reported on the ID theft report be blocked. XXXX closed our conversation by informing me that the website was wrong as is the FCRA section 605B. XXXX, Equifax, and XXXX received my ID theft report and police report # on XX/XX/2018. This fraudulent information should be block within 4 business days and notify the creditors. I should not have to talk with someone who lives in another country that does not know the FCRA rules and information on the company 's website. I will file a small claims suit if these credit reporting agencies do not abide by the FCRA rules.
AMEX is reporting XXXX corporate accounts on my consumer credit report. Both have been disputed via all XXXX bureaus and AMEX directly. All consistently take longer than 30 days to respond or send " run-around '' letters claiming that they need more information. More importantly, these accounts were never shown on my consumer credit report for the many years they were in good standing. They appeared only after I lost my business to a fire and became delinquent. This is unfair credit reporting and I request that the accounts to be moved back to the business credit bureau reports and removed from my personal consumer report. This is the very reason why small business owners maintain corporations at great expense. The accounts in question are AMEX account identifier # XXXX for account ending in XXXX, and XXXX for account ending in XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX PA,XXXX XXXX Account # XXXX No contract or no signature