WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I received my annual credit report. On this report I was shocked to see a comapny I did not recognize called XXXX XXXX XXXX XXXX. I have never got any calls, statements, or invoices from them. I immediately sent a certified letter on XX/XX/2018 they received on XX/XX/XXXX that stated the following To Whom It May Concern : " This letter is being sent to you in response to your recent fraudulent reporting of medical accounts on my XXXX, XXXX & XXXX reports. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. Or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on  your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of ( name of your State ) medical privacy rules. I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, XXXX XXXX I received a letter back over 35 days later XX/XX/2018. Stating the following response to your request for verification of this debt. XXXX has confirmed the outstanding balance of {$700.00}. They didnt send me anything I requested. no contract, info they took to confirm the persons identity, what product or service they provided ... NOTHING!
The collection company has been illegally reporting an incorrect " date opened '' as per the FCRA 623 ( a ) ( 5 ) ( A ). I have disputed this account multiple times electronically.
received a call from evans law association at phone # XXXX they threaten that they had a law suit against me and rep was very rude and when she thought I hung up the phone she called me a loser. also threatened me if I did n't pay today that they would move forward. asked for proof of debt unable to provide proof of debt in U.S mail. This company have a lot of complaints for illegal practices.
On XXXX/XXXX/2017 at approximately XXXX, I received a call at my place on employment in regards to my American Express card that I have failed to pay due to filing for a Chapter XXXX XXXX . 

I advised the representative that there have been previous statements made to American Express to cease communication at my place of employment. Since then, numerous automated calls have been placed. 

I told the representative that I will be giving her my Chapter XXXX XXXX Attorney name and she then stated that would cue the calls to stop. I advised her that that does not negate the fact that her organization was instructed to cease communications. 

I did advise her that I was a Director of Operations for a collection agency and at this point I was not going to get into an argument with a collector. She instructed me that she has a XXXX XXXX and informed me " that at least she pays her bills ''. 

Moving forward, being that my call and her call was recorded, I will be pursuing an FDPCA claim on this as well. I work in this industry and by NO means would I tolerate that on my floor.
I received 15 consecutive calls between XXXX and XXXX this afternoon ( XX/XX/XXXX ) from  XXXX. On Tuesday, XX/XX/XXXX, they called three times at XXXX XXXX. I have XXXX the number, researched it on a number of sites, and found that it is a medical debt collector. They did not leave a message on my voicemail. I have screenshots from my phone to document the calls, and can easily obtain records from XXXX XXXX, my cell phone provider. I have 18 calls this week. This is blatant harassment, and I should be financially compensated for this abuse.
I looked at my credit report today and I found inaccurate information. I have never lived in XXXX, IN. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XX/XX/2014 XXXX XXXX XXXX , XXXX , CA XXXX XXXX XXXX  XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , IN XXXX XXXX XXXX XXXX XXXX, XXXX , AZ XXXX XXXX XXXX XXXX XXXX,
I have been making payments on a defaulted Private studen loan owned by Navient former XXXX XXXX, beginning XXXX 2013, in hopes to rebuild my credit. I was a XXXX XXXX student and have learned of their predatory charges as well not to long ago. Recently I reviewed my credit report and notice that the payments I have made were still being noted as Charged-Off ( CO ). I have tried to contact the debt collector, XXXX XXXX XXXX ( XXXX ) and was told they are suppose to note it as payments being made. I then contacted Navient, with a few run around, i was later told the only way it will no longer be noted as CO was if i paid the balance in full of XXXX. I 've contacted the credit bureau, XXXX, to get some insight and in hopes if the situation was disputable with no avail. Nearly after XXXX years of paying on time every month through their debt department of XXXX, my account is still in default until the balance is paid off in full. Once you 're in default, there is no way out, you 're stuck.
I paid lending point in full and they have not updated my credit report for XXXX and I ca n't get ahold of them
Per a class Action Law Suit and Settlement Case # XXXX. Represented by XXXX XXXX, XXXX, MD I was included in a XXXX XXXX dollar Settlement won against Capital One Auto Finance for illegal practices re : Repossession by a Md Court Order. The Settlement was finalized in XXXX 2015. I have clear documentation that states that as part of the settlement ; derogatory, negative information will be removed for Plaintiffs and replaced with Positive Credit reporting via all XXXX credit bureaus. I am hopeful to upload this document for your review, in the event that is not possible please search XXXX Settlement and this has all the details. This is not private information and even more surprising that I to date HAVE ALL NEGATIVE REPORTING FROM CAPITOL ONE AUTO FINANCE AT THIS LATE DATE. The most disturbing part is as a consumer I have been harmed by recently being DENIEDCREDIT! In seeking Legal Counsel this is UNACCEPTABLE! I have tried to no resolve reaching XXXX XXXX whom I spoke to once and he ALSO confirmed this should have been resolved, I called endlessly to the Law Firm that handled the case for Capitol One, XXXX XXXX, XXXX ( XXXX ) XXXX I was bounced from voicemail to voicemail and completely ignored. I tried all attorneys mentioned in public documents regarding Capitol One and this Settlement! I reached all XXXX bureaus begging, calling daily all noted in phone records, for help launching several investigations and disputes only for them to come back saying Capitol One CONFIRMED THE NEGATIVE INFORMATION! This is completely exhausting and just down right wrong. It may not matter to anyone but it is impacting ME! as I can not sleep at night and am suffering XXXX over an issue that should have been resolved Months Ago by Court Order. The Bureaus collectively show NO EFFORT OR CONCERN AND HAVE DROPPED THE BALL! I HAVE SUPPLIED THAT SAME DOCUMENTATION MENTIONED HERE BUT no RESOLVE. I CAN NOT AFFORD AN ATTORNEY TO FIGHT THIS BUT VOW TO FIND SOMEONE THAT WILL ASSIST. This is not right!! Please assist! My credit report for ALL XXXX bureaus after careful research should read as follows : CAPITOL ONE AUTO FINANCE, INSTALLMENT LOAN, HIGH CREDIT {$18000.00}, PAID AS AGREED, SHOWING NOT LATE STATUS! Any efforts towards expeditious resolution in this matter is GREATLY appreciated. THIS IS NOT A MATTER THAT CAN WAIT THE NORMAL 30 DAY PROCESS I HAVE AN APPLICATION PENDING AND THIS SHOULD HAVE BEEN RESOLVED MONTHS AGO. I NEED UPPER MANAGEMENT TO TAKE CHARGE AND GET THIS STRAIGHT. I at this point not only have anguish over this but now have damages as I have spent numerous hours of time calling, scanning, printing, downloading reports, postage, mailings etc. I am beyond livid as this is UNACCEPTABLE. ITS ALL IN WRITING BY COURT ORDER! COMPLETELY EXHAUSTED AND IN DISBELIEF.
Good afternoon, I contacted Equifax regarding a judgment on my credit report. The Judgment was paid in full in XXXX of XXXX. I initiated a dispute in XXXX of XXXX to dispute the unpaid judgment on my credit report. The status came back as still being unpaid. I called the court and gave them the number off of the credit report and they stated that yes it was paid. I asked how the credit bureau obtained information regarding my judgment and the court stated that they do not report to ANY credit bureau. I called the Equifax number listed on the report from the dispute and was told the status was still unpaid and that they communicate with the courts electronically. I explained to the gentleman that the court did not report anything to him and he stated several times that the report says they did. I called the court a second time to verify that they in fact DO NOT report to ANY credit bureau. I did a little research on the Fair Credit Reporting Act at the following site : www.creditreporting.com According to my research the credit bureau illegally obtained the information regarding the judgment in question. 
FCRA 603 Definitions ; rules of construction [ 15 U.S.C. 1681a ] States the following : XXXX Excluded communications. A communication is described in this subsection if it is a communication ( XXXX ) with respect to which XXXX the consumer who is the subject of the communication XXXX consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; XXXX XXXX XXXX in the case of consent under clause ( XXXX ) or ( XXXX ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; I gave neither explicit nor implicit permission for the release of any information regarding said judgment to Equifax. The information obtained and displayed on my credit report was obtained illegally. It is at this time, based on the above law, that I am requesting the judgment be removed from my Equifax credit report. I have contacted their resolution team and spoke to a XXXX XXXX XXXX XXXX and she refused to remove it because it is not their company policy. 
Please feel free to contact me further regarding this situation as I would enjoy speaking to someone.
I have call from XX/XX/2019 and XX/XX/2019 that were made by transworld system Inc trying to collect a debt that is not for me but for the previous owner of my phone number. I have told them that he doesnt own this phone number any more but they are still calling me.
My ex husband cashed a home owners insurance refund after the sale of our marital residence. The check was made out to my ex husband and to myself. He was allowed to sign and cash the check without my authorization. I have obtained a copy of the cashed check from my homeowners insurance and I want the banking institution to look into why he was allowed to cash this check without my signature. I am attaching a copy of the cashed check and I believe it was cashed at Bank of America ( please see bank # 1XXXX ) This is an alarming situation and a situation where funds were stolen from me, by my ex husband. I have email correspondence with my ex husband where he told me my name wasn't on this check. The financial institution that cash this for him should be looked into and the person responsible should receive disciplinary action up to including termination.
I am the executor of my XXXX brother ... ..I set up an account with my local Chase bank to manage the account ... ..I recently received a check from the US Treasury Dept that has my name & my XXXX brothers name on the check ... .I tried to deposit that check into the established estate account ... .and my local Chase agent would not let me deposit that check into the established estate account ... ..!
Home was purchased XXXX XXXX, 2015 at which time the subject of flood insurance was broached and we were informed that XXXX Form XXXX, determined XXXX/XXXX/15 at XXXX CDT by XXXX FloodCert # XXXX for life of loan was completed and no additional flood insurance was required. Later, lender notified us that flood insurance was required which made me then began to question how this was possible. No real answrrs were ever received from lender nor our current hazard insurance company. I could not under stand how at the closing no flood insurance was required for life of the loan then all of a sudden, it was. It was further confused by the lender assuming responsibility for first full payment of new flood insurance in the amount of {$480.00} when it was clearly paid for by us. The confusion did not end there because then we begin to received 2 monthly mortageg statements each with different amounts. I have finally had enough with this lender 's system of accounting and desire a direct end to it immediately.
I was dealing with Imperial Credit for my monthly payments on my motorcycle. I was never sent the title to my vehicle when the loan was paid in full. My motorcycle was involved in an accident and was totaled. My insurance company can not pay me for the motorcycle until I give them the title. I have made numerous attempts to contact the owner of the company and he will not respond to my emails. The voice mail has been removed from his cell phone. I now have a check made payable to my husband, my son and Imperial Credit for my motorcycle that I can not cash. I have sent a certified letter demanding a response.
XXXX at quad Corp. deck collection agency in XXXX Iowa has repeatedly called myself and my husband trying to collect all debts from old hospital bills that have been paid. He usually waits between six and nine months and tries it again. He is been repeatedly told through writing and verbally not to contact my husband at work or on his phone, that he may contact me anytime on my phone. He repeatedly ignores these requests and does as he pleases
Specialized Loan Servicing reaffirmed our XXXX mortgage as we entered into Chapter XXXX bankruptcy in XX/XX/XXXX. We made ALL payments required during that time outside of Chapter XXXX. When our Chapter XXXX was concluded and discharged in XX/XX/XXXX, they showed me as discharged in Chapter XXXX with a zero balance, although I still owe {$27000.00} and continue to make monthly payments as of this very day. They continue to report each month that I am charged off and have a zero balance, although I pay each and every month on time.
This account was paid off/transferred to another lender, XXXX, in XXXX of 2017. It still remains on my XXXX, XXXX and XXXX XXXX reports with late payments. Since the account has been paid off and I know longer owe ACS, I do not wish to have this account show up with derogatory statuses or late payments on my reports.
XXXX/Navient is being sued and that 's exactly where my loans came from. My entire tax return was taken to pay them back while I 'M HOMELESS WITH XXXX CHILDREN. I have already sent in an appeal to have my taxes returned with all documentation. I 'm reaching out here as well. If it 's clear that XXXX/Navient is in the wrong then PLEASE RETURN MY TAX RETURN. I need it very badly and worked very hard for it. I had a XXXX in XXXX and XXXX then lost my home so calling Navient when I normally do was extremely difficult. All of my hardships are documented. If this company has been found with wrong doing as it has been then would it not be fair to return money taken from me by them?
On XXXX XXXX, 2016, I paid TransUnion {$1.00} for my credit report. I did not ask for anything else. However, they charged me {$29.00} for a subscription I did not sign up for PLUS a {$19.00} recurring fee.
Each and every year, Experian refuses to give me a copy of my credit report.   The result is denied for no reason whatsoever, and seems like an attempt to get people to pay {$14.00}. It is impossible to resolve without mailing my social security card (! ) through the mail, which is so risky and inept it is difficult to imagine this is not deliberate.   Meanwhile, TransUnion seems to have no difficulty at all following the law.
e : CFPB Submission # XXXX I am submitting this through the formal complaint process in the hope you can resolve a dispute over my request to close a credit card account. As attorney-in-fact under durable power of attorney for my aunt, XXXX XXXX XXXX, who resides XXXX, I have closed all but XXXX of her many credit card accounts following the death of her husband. However, the bank that issues the XXXX credit card ( U.S. Bank ) refuses to close that account ( ending in XXXX ) unless I agree to add my name to it by providing the bank with my SSN, DoB and other personal identifying information. I have furnished all relevant documents to the bank, at its request, documenting my status as her representative specifically empowered by the PoA to close her financial accounts. I even have provided a medallion-stamped attestation of proof of identity signed by the XXXX XXXX XXXX where I do my personal banking. ( I have sent copies of all correspondence to CFPB at the time they were mailed to the bank. ) Meantime, U.S. Bank has sent her a new credit card on the account ( which I have shredded ), increased the credit limit and is mailing monthly statements which, while showing XXXX balance, spell out the account number in full. As my aunt 's financial representative, I am responsible for paying her very substantial monthly full-residential-care and medical bills, a responsibility I take very seriously. For that reason, I have worked diligently to make sure that all of her credit card accounts are closed and to eliminate risks to her financial solvency. At the same time, I am protective of my own personal identifying information, which I do not share with financial institutions other than my own. Please let me know if you require additional information/documents to proceed with this formal complaint. Thank you.
XXXX XXXX-paid in full with XXXX balance need to come off credit reportXXXX XXXX XXXX XXXX paid in full XXXX balance need to come off credit reportChase Card -paid off XXXX balance needs to come off credit reportXXXX XXXX-XXXX balance need to come off credit reportXXXX XXXX paid off need to come off credit reportXXXX XXXX- Recent balance not updated-paied monthly payments
I have an unverified account from I have an unverified account from IC SYSTEM. I had previously disputed this account. I have never done business with IC SYSTEM Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g , I dispute the validity of the debt purport I owe. I request that IC SYSTEM Provide verification of the following :  1.  The original Application or contract ; 2. Any and all statements allegedly related to this debt  ; 3 . Any and all signed receipts ;  4.  Any and all canceled checks ; 5. Original date of default and collection activity begin  6 . Whether you purchased the debt, and if so, the amount paid for the debt  7 . The date  ( s )  the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
In XX/XX/2018, I went to purchase a car and was informed that I already had a car loan that was recently closed and charged off. I contacted the three credit bureaus individually to dispute the fraudulent account on my reports. The information was immediately removed from XXXX and XXXX due to the fact that I am a confirmed fraud victim. Each bureau had been previously sent a copy of my two separate police reports. Equifax report came back with confirmation that it was my account. I informed them that the account was fraudulent and they already have my police reports on file. They informed me that I needed to add the car on the report so I did in XXXX  of this year. I disputed the account again and Equifax continue to allow XXXX XXXX XXXX to so call verify that the account is mine. I asked that representative I spoke with to explain what and how the bank is verifying my information. The representative informed me that the bank verified my address, name, social and birthday. I informed them again that I am a verified victim of fraud and of course they have my personal information but there is no way that they would have my address. Also today I went down to the police station to get an updated copy of my report. The clerk informed me that the report would be sufficient enough for Equifax. The clerk also stated that Equifax can contact the number on file and verify that the information is in fact on my police report. The XXXX   County Police clerk stated that they can call and confirm that the car was reported as fraud and that they would verify the information by using the incident report number I submitted to them
I have an account with Westlake financial ( XXXX ) and they are in the process of attempting to reposes a vehicle which I conveyed in a title loan transaction. The issue that I have is that Westlake has hired a third party agent that has violated the fair debt collection practices act on several occasions. Their agent has engaged in such practices such as conveying information concerning the vehicle make, model and year, parked in the drive way of a private residence for prolonged periods of time ie harassment of a third party and the most egregious act is misrepresentation of their standing or official title. 

The agents have stated om many occasions that they are " investigators '' however when pressed on the matter of holding a " validated investigators license '' of any type the third party agent, XXXX XXXX ( XXXX ) XXXX avoided the direct questions and said call " the number '' which he refused to convey. 
The primary issue of concern is the continued harassment of third parties who are not obligated in any way to this matter and the conveyance of proprietary personal information and false claims concerning their professional standing which is in direct violation of the FDPCAFalse statements. Debt collectors may not lie when they are trying to collect a debt. 
Additionally, sitting in the driveway for extended period of time ( XXXX ) can be construed as an obvious harassment tactic. 
Divulging proprietary information of the nature of the attempted contact specifically the Make, model and year of the vehicle which is an obvious attempt and inference to the status of the loan/account.