WillisBack/dataset-financial-user-claim huggingface dataset:
Please see attached documentation. It explains I quick deeded the property in 2010 and have no further obligation financially to this however Chase continues to report it to all three credit bureaus and there are lates associated with the property that are very detrimental to my credit and it is illegal.
after relaying to the supervisor of BULL CITY ( XXXX XXXX ) that i XXXX XXXX XXXX my be a victim of identiy theft, XXXX continued to request my personal info without validation or proof of any debt owed by me.The purported debt collectors ( XXXX XXXX ) have not only been argumentative, but have conducted themselves in a manner unbecoming of a debt collector as outlined in [ 15 USC-1692d ] 806. Their language and conduct violate the basic and common standards of the FAIR DEBT COLLECTION PRACTICES and BUSINESS ETIQUETTE. 
Sopervisor XXXX XXXX told me that by law i was obligated to answer his questions and refused to fully cooperate with me in the settlement of this matter. 6. Debt collectors are prohibited and or forbidden to report a purported debt to anyone once they have been told to cease and desist all debt collection activities by the consumer and or their representative ( s ) [ 15 USC-1692e ] 805 ( b ) because the debt has yet to be validated or verified, reporting to the several different credit agencies is a violation of federal law.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date- XX/XX/2016 I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Huntington bank 24 hour grace period The media package nor the brochures offered by the bank do not disclose how this feature does not work.The bank determines whether or not to the transaction so if they determine to not pay it the grace period does not apply, I questioned the formula for their decision for paying or not paying bank states they do n't have one.This is very misleading and the consumer is given permission to overdraft and believes no fee will be incurred when many times a fee is assessed even when deposit is less than 24 hours.Bank states deposit could be 1 minute later it does not matter, this info needs to be given to consumer, not buried in fine print in a XXXX page disclosure that bank employees do n't even mention when opening an account.The fee is even assessed when a direct deposit is pending for 25 times the amount of the transaction, quite a money windfall for the bank at {$37.00} per fee.The media package for Huntington needs to be changed to full disclosure.
I went to XXXX XXXX XXXX XXXX in GA which was not my regular doctor. Prior to seeing the doctor, I asked the in-take person at the front desk to call my insurance to verify that I would be charged the usual {$30.00} co-pay as a normal doctor 's office visit ONLY. I waited while she verified the charges with my insurance. She said she was told that the charges would be the usual {$30.00} co-pay and so I agreed to see the doctor and paid the {$30.00}. About a month later, I started receiving a bill stating that I owed {$160.00}. I call them up and also called my insurance and the insurance said how they coded it was incorrect and I told both the insurance and XXXX XXXX XXXX XXXX that they need to figure it out and that I would not be paying the {$160.00}. XXXX XXXX XXXX XXXX turned it over to collections to a Creditor called XXXX XXXX XXXX ( XXXX ) XXXX and they reported it to the credit bureaus and not this is impacting my credit score and I am buying a house. Please help me. Thank you! ( XXXX XXXX
An account by the name of Ability Recovery Service opened on XX/XX/2018 was on my credit report in the amount of {$990.00}. This debt has been has been sold I do not owe this agency. I would like this account removed from my credit report indefinitely.
Please note the pre filled automated options did not fit my situation. The FMS company based in Illinois contacted me about another person 's debt. The caller stated that they received information that I may know the person and wanted me to pass along information. I would like to report for this practice because now I am privy to someone else 's debt information. The company called me from XXXX. 

I was contacted on XX/XX/2018 at XXXX XXXX.
A series of fraudulent charges were made to my chase debit card in mid- XXXX  (  XXXX , I believe ). I was sent a text and followed steps to verify the fraudulent charges. A credit was given to my accoun t ( to the sum of {$310.00} ) for the two purchases ( {$65.00} and {$250.00} )  that actually went through before being marked as fraud.   Later, I received a package that had been processed through fraudulent charges to the same address as listed in my billing information carried with the card. Upon receiving this box  ( a bun ch of coffee mugs I had never ordered, but were the fraudulent purchase ) I called chase to talk to a representative and tell them they some how had the items shipped to me, but there was no return information and the website they were from seemed fake ( " buyourstyle.com and www.customtee '' ). I was told not to worry about it and throw it out or do whatever I wanted with the package since there was no return information.   Weeks later I receive notification that my claim was denied because the company the charges went through verified my address, name, and that the package had been shipped. On top of the fact that I notifie d Chase of my reception of t he package, and was told not to worry about it ; it is easily attainable information through a rudimentary google search that scammers can have items shipped to your billing address ( intentionally or n ot ). Yet, my claim w as denied because they sent me a non-returnable package.
I am getting calls from a company named XXXX. They call me all day every day while I am working. They also yell and me and are rude. They never state their information such as where they are located or business information. The number they are calling me from is XXXX.
Mercantile Adjustment Bureau has placed a collection on all of my credit reports in the amount of {$370.00}. I have never received any information from this company regarding the debt. I have requested information on several occasions. I believe this account to be fraudulent or otherwise made up. Please remove this item from all my reports immediately or provide a signed contract or agreement as required by law.
I went into the Victoria Secret Store to purchase some items. When I went up to the counter to pay. The woman told me she had to call Customer Service about my Victoria Secret Credit Card. According to the woman, my card was restricted. And could not use. Prior to this a week, they increased my credit limit. I have been a customer with Victoria Secret since 2014. Only been late on one payment. It was embrassing, got home and called them and was told due to my credit report they can not allow me to use the card. You just increased my limit and been a customer for 3 years. Now, there going to close my account and leave a negative mark. I do n't understand how this is legal to do. I will keep making my payments, and when I call them, I get some one new every time, telling me different things. Why check after 3 years? And why give me a credit increase.
XXXX XXXX XXXX gave my loan to Green Tree. I never received notification. Upon my XXXX payment due they said they did not receive it in the mail so I needed to pay it then with a convince fee of {$12.00}. For the next few years we have been bombarded with ugly messages and harassment. It is my understanding starting with XXXX my loan was not properly signed ... the same with XXXX XXXX XXXX ... XXXX XXXX of Greentree is an awful person ... .she has been very rude to us
I am an account holder with Chase, and had my debit card compromised and someone made fraudulent withdrawals on XX/XX/XXXX ( although now they are showing up as XX/XX/XXXX when I log online ). I reported the charges as soon as I saw them on XX/XX/XXXX and the following day XX/XX/XXXX was emailed from the Chase Customer Claims dept and asked to submit an electronic affidavit on the incident. I promptly returned the affidavit and finally got a response from Chase today the XX/XX/XXXX. I was surprised to see that the boxes I had checked off on the affidavit were NOT the ones in the document they had on file, and they denied to reimburse me because I had checked a box that read " I never received the card in the mail ''. I called them and they agreed ( after escalating to a senior supervisor ) to allow me to fill out the customer questionnaire a second time. I carefully filled out the customer questionnaire/electronic affidavit the second time from a desktop computer, and after proofreading it carefully and re-submitting it, was very disturbed to see that AGAIN my answers were not the ones that appeared on the upload pdf in their secure messaging system. I called Chase Customer Claims a third time and asked to be permitted to send in the affidavit a third time, and this time opted for a hard copy which I filled out in pen and paper and faxed to them directly ( and brought a hard copy to the nearest branch ). Furthermore, my ATM card debit charges all came from XXXX, which is a Chase branch. The bank knows very well that I have had an ATM card with them for the past 8 months as I use it nearly daily, so the notion that I checked a box " I never received the card in the mail '' is ridiculous. Furthermore, I am concerned that there is a " glitch '' in the Chase Customer Claims " Customer Questionnaire-Electronic Affidavit '', that is changing the answers one types in, and thus giving the bank a reason to deny compensating customers. I am absolutely 100 % sure that I filled out that questionnaire with different checked boxes than what ended up uploading to my file, and the fact that it happened twice has me extremely concerned.
PINNACLE CREDIT SERVICES # XXXX I found a unverified account on my credit report. I was incarcerated at the time this account was open so it has to been some type of fraud. This is not my account. I have proof that I was in jail during the time this account was opened.
I obtained a copy of my credit reports and discovered an account under XXXX XXXX XXXX pertaining to a collection. I sent my first letter ( XX/XX/XXXX ) disputing this account and also requesting validation. They responded but did not provide a valid signature. I sent another letter on ( XX/XX/XXXX )  again requesting validation, however ; again they responded but without a valid signature. According to federal law, XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they did not. I also requested 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 them. The company sent me some papers showing my name typed in, which is not a signature. Anyone can type a name, so please send me proof of a signature that shows validation. 

I have retained a copy of their signature and date of receipts, as well as time-stamped copies of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. Additionally, they have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, should they continue in their non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind them that they may be liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
I have a legitimate debt with a collection agency. Recently, they have begun calling my adult son 's cell phone number about my debt. This is harassment, as he does not live with me and is not responsible for my debts in any way.
I submitted a dispute via mail on XX/XX/2018 to the listed address for each of the major credit reporting agencies with the hope that my Identity Theft case would finally be resolved, according to the rule of the Law in the Fair Credit Reporting Act, Sect 605b which states that a victim of Identity theft with validation shall within 4 days be blocked/deleted. This did not happen instead each Agencies stated they had 30 days according to their policy to investigate. Not only is this legally wrong, nothing ever happen.
I have called Business and Professional Services numerous times over the last three years to verify the collections that they are reporting on my credit bureaus. My daughter and husband were both sick at the same time and while I tried to keep up with all of the insurance claims and status I just could n't. When I called originally the company was reporting such a small amount that I offered to pay the accounts if they would delete them from my credit report because I was unsure which ones had been paid by insurance and which ones had n't. They said they would be happy to delete if I paid the accounts in full and I was prepared to but then the phone rep came back and said there were older accounts that were not on my report and in order for them to delete any accounts they would ALL have to be paid in full. The total was almost 700.00 more than I planned so I declined and told them I would get with the original creditor and my insurance company to verify that they had not paid those accounts. Both the original creditor and my insurance company verified that they had no records on the accounts because they were so old. When I called back and spoke to Bus and Prof and explained this they told me they did n't care and that their records indicated I owed it so if I wanted anything deleted I would have to pay it all. I feel like I am being black mailed into paying debt that no one can verify.
XXXX-C/O Levy and Associates deliberately violated the Fair Debt Collection Practices Act ( FDCPA ) by not allowing me to protest the supposed debt that they are trying to collect. The very first time that I have heard about this Company is when they filed a lawsuit with the XXXX XXXX XXXX Court seeking a default judgement. This Company has currently XXXX consumer complaints filed by consumers to the Ohio Attorney General 's office due to their unlawful business practices.
I requested validation of a Title IV-D claim based on my recent discovery of fraud ( concealment of material fact ) and was informed by Office of Temporary Disability Administration that Dept. of Health Human Services, NYC Human Resource Administration, NYC Office of Child Support Collection Services, NYC Support Collection Unit are " Not Subject To '' the Fair Credit Reporting Act 1681e. ( b ) Accuracy of Report ; 1681i. ( 2 ) ( B ) Prompt Notice of Dispute to furnisher of Information ; ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ( i ) delete said information or the Fair Debt Collection Practices Act. 1692g. Validation of debts ( a ) ( 1-5 ). No governmental agency mentioned above would or could validate the existence of a contractual obligation or furnish the original instrument that created a debt. Their is no validation of a debt. I also have certified copies that no judgement ( s ) were entered within XXXX XXXX County & XXXX County Clerk 's office pursuant to FCA 460 ; CPL & R 5012,5014, 5016, 5018 & 5041.
This transaction happend XX/XX/XXXX The chase bank made this to XXXX XXXXfor the amount of XXXX for a purchase tracking no. ( MTCN ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX the merchandise ordered was not recieved?? so I made a cliam XXXX XXXX  claim # XXXX and then I called Chase bank to make a claim for the XXXX in???? they closed my account. XXXX XXXX also refused refunding my XXXX dollars I just emailed on XX/XX/XXXX and am now complaining to myoure agency as I have now been out of money I am XXXX and XXXX please help me asap if you can XXXX XXXX XXXX I have been referred by XXXX XXXX XXXX help on XX/XX/XXXX
XX/XX/XXXX, my mother obtained a Pick-a-Payment loan with XXXX XXXX/Wachovia. Shortly thereafter, I believe it was XX/XX/XXXX, a class action suit was brought against XXXX XXXX/Wachovia as such a loan was illegal. As part of the required settlement agreement, mortgage lenders were supposed to work with the homeowners to modify their mortgage loans. My mother has since passed away and left the property to me as listed in her Living Will. Wells Fargo has since taken over the XXXX XXXX/Wachovia mortgage loans. They refuse to modify my loan and or change it into my name.
I have a credit account with CONNS APPLIANCES. My payments are due every  XXXX  of the each month. This company transfers my account to the debt collectors the next day I become past due. I receive the first call at  XXXX  and the calls occur through out the day. I have received up to  8  calls in one day. I talked to the manager from that department and I explained that the calls were getting out of hand and that I understood that 's there job but I would of appreciated if they called no more then 3 times a day for the reason that I am at work during   XXXX  - XXXX . I became past due a second time and they started calling me from different phone numbers and I started receiving txt messages and emails explaining that my account was past due this made me feel harassed. My husband gets the same amount of calls from them. They released my account information to him and they told him I was past due. I never put him as a secondary account holder or gave permission to release my account information to him.
XXXX has a complaint against it. This is to re-apply a complaint against XXXX in case I have failed to do it properly the first time around ( mentioning all the parties to the matter in the original letter instead of just XXXX ). 

Negative reporting of not paying a debt which I paid to the wrong XXXX XXXX XXXX account on their XXXX XXXX XXXX XXXX ( debt buyer credit account ) that belonged to another credit account supposedly that was a debt buyer as well, known as Amex Standard formerly XXXX XXXX XXXX. The consumer should have been informed it did n't belong in the paid up account known as the XXXX XXXX XXXX XXXX, former grantor XXXX XXXX XXXX, and sent back to her timely. Instead it was wrongly transferred to Amex Standard after the cut-off date and I was found to have not paid the credit account. After several credits, the debt reappeared in the automatic system as owed with fines and late payments. When I could no longer figure out what I owed, I stopped paying any debt. I phoned, Emailed, and wrote complaints to no avail. The debt buyer never tried to honor consumer rights. It has no signed agreement from me, and no documents either.
Complaint issued on XX/XX/2016 ( Case number XXXX ) regarding XXXX and XXXX. On XX/XX/2016 two online payments for XX/XX/XXXX and XX/XX/XXXX were cleared from XXXX. XXXX XXXX XXXX XXXX CA XXXX. No phone contact available nor written statement of balance issued. XX/XX/2016 Received phone call from Hatfield Portfolio Group citing file # XXXX, No written correspondence indicating change from XXXX and XXXX. XXXX receives poor rating with XXXX. Please advise.
Im a resident here in america, I dont want donald trump to kick me out because of bad credit. 
im trying to do the right thing. I dont do bad. someone used my credit or it was a mistake fromthe credit people. I never did this to me. Please help and delete from my credit. XXXX bless you.I never applied for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and inquiries attached. I had no inquireis dont apply for anythingloans Company or Organization : XXXX XXXX XXXX inquiries not mines XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX,
I 'm am disputing this debt and have filed a complaint with Washington State Attorney 's Office against XXXX. XXXX and Source Receivables Management XXXX for Breach of Contract ; Failure to Providing Service ; Bait and Switch Sales Tactics of Ipad Contract and Billing ; not providing me with a written contract when asked ; unauthorized use of my digital signature ; providing only a Ipad contract which I do n't own a Ipad, and Double Billing. Failure to act in good Faith by not responding under Contract Law, and Bait & Switch Sales/Billing Tactics. This is the third time I 've asked for information of reported debt filled by XXXX, and they would n't respond to the Washington State Attorney 's Office ; and which XXXX drop the claim. Then I get hidden post card mail from the other collection agent, that looks like junk mail in my junk mail from Source Receivables Management XXXX saying XXXX has filled a Debt Claim. If XXXX does n't response to the State Attorney 's office or Federal Agency 's Complaints how can the they really be acting in good faith during the sales and service process. 

I 'm asking XXXX and Source Receivables Management XXXX to provide the full names and information of all Agents representing XXXX that where responsible for the negotiation of the implied legal Ipad contract and security procedures for my digital signature. Information on XXXX training/licensing program for Agents representing XXXX during negotiating legal contracts with the public and/or consumers. The Full names and Titles of the Agents representing XXXX in contracts, communications, and not abbreviated names like ( XXXX ) example. The Agents names, titles, contact information of XXXX department or the department responsible for overseeing debt collection and all legal contract matters. 

XXXX XXXX XXXX, KY XXXX
Consolidated student loans thru XXXX XXXXXXXX XXXX Employed by a federal Head Start grantee for 7 years. 
Enrolled in student loan forgiveness program sending employment verification signed by my employer that qualified me for the XXXX student loan forgiveness program. 
Never missed a payment in 7 years. 
Recently told there is no record of me in this program.
I made a purchase in coinbase this Friday ( XXXX ref code : XXXX ) and coinbase double charged my debit card. This caused my account to go in the negative and I have a check thats out pending that will now bounce. I cant get ahold of anyone at the company and this is ridiculous!!
Hello, for two weeks and still counting not able to access my money and ca n't get thru RUSH card customer service phone or email line.