WillisBack/dataset-financial-user-claim huggingface dataset:
I found out from a District Court notice that an attorney XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX is Suing me for Debt allegedly belong to a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX XXXX. Apparently this XXXX XXXX XXXX acquired this Debt from XXXX XXXX where I had a auto Loan from in XXXX. I had recieved one notice from this XXXX XXXX company earlier in XXXX. I had tried to call them with the Phone numbers provided and they are not valid numbers. I tried to email them from their website and recieved no response. As of this complaint filing I have had no contact with XXXX XXXX. I assumed it was a scam so I just kind of let it go until I was served a Summons for a lawsuit. I have contacted the Attorney above about this Debt allegedly now owned by XXXX, They are Trying to have a Judgement placed on me for XXXX XXXX  which is allegedly owed. I have ask the Attorney for the contact information for XXXX and they gave me the same numbers that I already had and tried and are not valid. I ask them how they contact this XXXX XXXX management and they Replied that they never spoke with anyone, only email. all this has happened in the past couple weeks. I last tried to contact XXXX on XX/XX/XXXX and I did talk to their attorney on XX/XX/XXXX and could not resolve anything. 
after further looking into XXXX XXXX XXXX XXXX I found out that just recently that the company was shut down by the Securities and Exchange Commission for fraud and that the president XXXX XXXX XXXX and others that owned collection company 's under various name where charged and being investigated. Also the Company has many XXXX  Complaints like mine. I believe that I am a victim of unfair collection practices and that I could not verify this debt with this company or even have ample time to resolve this Debt in any way shape or form. I have a court date of XX/XX/XXXX where the attorney above is asking for a judgement. I do not believe this debt is owed this company and at the least because I had no way of contacting this company that any judgement for this company should be granted. I only recieve SSI and I will never hold a regular job again due to my XXXX, and without being able to even contact this Company this is causing undue Stress. Again as of XX/XX/XXXX I still have had no contact with this company to try to resolve anything as the contact information is invalid
I have submitted several written disputes with the collection agency asking them to remove the fraudulent information they have reported . Midland Credit Management is  stating that I owe  XXXX   XXXX   XXXX  {$670.00}. This information is false. I have never had a account with  XXXX   XXXX    XXXX  . Nor have I ever taken out a line of credit for {$670.00}. Several requests were made to the credit bureaus and  Midland Credit Management  requesting the following : -Documented proof that a line of credit was issued for {$670.00} -Documentation from  XXXX   XXXX    XXXX   authorizing  Midland Credit Management to collect t he debt -Documented proof that I applied for this line of credit -Documented proof showing my identity was verified following secti on 16 of  the FCRA -Documented proof showi ng payments we re made by me on this line of credit -Documented proof showing the dates within the credit file are correct -Documented proof showing the debt collector is the second collection agency to purchase this debt following FCRA guidelines.      Midland Credit Management  has falsified their reporting and the credit bureau has failed to request these documents from the creditor. This item needs to be removed from my file.
I have been contacted repeatedly by phone and by mail by Portfolio Recovery Associates, who say they represent XXXX. They are trying to collect an old debt. They obviously are not the originator of this debt ( {$1100.00} ) ... I haven't owned or leased from XXXX for over 4 years. This 3rd or 4th party collector came from out of the blue. 

Phone calls have been previous to XX/XX/XXXX at XXXX XXXX. Phone number was XXXX XXXX. 
The next call came at XX/XX/XXXX at XXXXXXXX XXXX. Same phone number. Several other calls were made before these, but although it was the same number, I did not record the date and time. 

Portfolio Recovery Associates, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I wrote them early in XXXX saying I did not know who they were and had no business with XXXX anymore.
I received a phone call today telling me a court case was being opened up on me to bring criminal charges against me. I called the number on the message and they informed me this was regarding a bank account that I closed with U.S Bank back in 2005. They stated U.S Bank is bringing charges for attempting to defraud a financial institution for overdraft fees left on the account. I never received any notices in the mail or phone calls stating I had a negative balance left on the account after I closed the account. The amount was never placed on my credit showing I owed this balance, and by my accounts I did not know I owed them anything until I received this phone call today. The amount that they 're saying was left on the account is {$760.00}, but the amount owed in the court document is {$2200.00}. I do not agree with this, I believe this may be potential fraud and I should not be held liable for something that I did not know was out there until 12 years later.
I PREVIOUSLY DISPUTED TRANSUNIONS DELETING XXXX CLOSED POSITIVE ACCOUNTS .UNDER THE FCRA THEIR ACTIONS ARE SUPPOSED TO BE REASONABLE RESULTS OF INVESTIGATIONS.IT IS NOT REASONABLE THAT I WOULD BE DISPUTING MY CLOSED PODITIVE ACCOUNTS.I CAN NOT CONTACT THOSE CREDITORS BECAUSE THEY WERE DISCHARGED IN THE BANKRUPTCY AND THEY DO NOT REPORT ON THE CLOSED ACCOUNTS, BUT THEY HAVE NO PROBLEM REPORTING ON THE NEGATIVE ONES.I SPOKE TO SOMEONE AT EXPERIAN AND SHE TOLD ME SHE DELETED THE ACCOUNTS BECAUSE THEY ALL HAD THE SAME ACCOUNT NUMBERS AND SHE DID NOT KNOW WHICH ONE WAS IN DISPUTE SO SHE ASKED THE CREDITOR DAYMET CREDIT UNION AND THEY SAID TO DELETE XXXX ACCOUNTS BEFORE THEIR EXPIRATION DATE.I ALSO DID NOT DISPUTE MY CBNA ACCOUNT BUT THEY DELETED IT ANY WAY.I AGAIN DISPUTE THAT IT IS AN UNREASONABLE ACTION FOR THEM TO DELETE CLOSED POSITIVE INFORMATION.UNDER THE FCRA I AM ENTITLED TO A FAIR AND ACCURATE REPORT.HOW CAN IT BE ACCURATE IF THEY DELETE INFORMATION FROM IT.I HAVE DISPUTED BEFORE AND DAYMET IS IN VIOLATION BECAUSE THEY HAD 5 DAYS TO INFORM ME OF THE DISPUTE AND I NEVER RECEIVED ANYTHING FROM THEM.THEY WANT TO HIDE BEHIND MY BANKRUPTCY DISCHARGE BUT IGNORE IT WHEN DELETING MY ACCOUNTS AND REPORTING LATE PAYMENTS DURING A CHAPTER XXXX.I HAVE DISPUTED WITH BOTH ENTITIES AND THEY HAVE VERIFIED INACCURATE INFORMATION. THEY DELETED THE FOLLOWING ACCOUNTS ENDING WITH XXXX, BEGINNING WITH XXXX, NO ACCOUNT NUMBER BUT A LINE OF CREDIT WITHA STATUS DATE OF XX/XX/XXXX.ALL POSITIVE ACCOUNTS BEFORE THE 10 YEAR REPORTING DATE.
I have been contacted by Global Receivable Solutions, Inc. regarding a debt that I do not owe. This is the second debt collector for an unverified debt of {$69.00}. I previously disputed this debt with a previous debt collector, and they were unable to verify it. The second debt collector sent me a letter on XXXX XXXX, 2016, which was not received until XX/XX/2016. On XXXX XXXX, 2016, I sent them a certified letter disputing the debt and requesting additional information regarding the validity of the debt. This letter was received by them on XXXX XXXX, 2016, within the thirty day period. However, before the thirty day period expired, they reported this unverified debt to the credit reporting agencies. The company also fraudulently represented that the " Dispute date '' was XXXX XXXX, 2016, which is just outside of the thirty day period. However, XXXX XXXX is five days after my dispute letter was received by them, according to the United States Postal Service tracking records. On XXXX XXXX, 2016, Global Receivable Solutions sent me another letter with insufficient information regarding the debt which did not validate the debt. The letter also indicated that the debt had been reported to the consumer reporting agencies.
I discontinued service with XXXX XXXX ( original creditor ) in XXXX XXXX. XXXX XXXX made no attempt to contact me about a past due balance prior to selling the account to Associated Credit Service, a collection agency. I did not become aware of the debt until noticing the collection account for {$340.00} on all three of my credit files. Associated Credit did not inform me prior to posting the derogatory information in my credit files. According to the date listed in XXXX, the collection information was posted over 60 days ago with no contact from Associated during that time. I offered to pay the balance to XXXX XXXX if they could remove the collection but was told they could do nothing about it except updating the account as paid however XXXX XXXX can remove the negative information. XXXX XXXX claims that they sold the account off to Associated and are no longer responsible for any collection activity. 
I paid the {$340.00} balance to Associated Credit and asked that the negative information be removed a second time. Again my request was denied and I was told that XXXX XXXX would need to take action. 
The account they are collecting for was included in bankruptcy filed in XXXX XXXX and discharged XXXX XXXX. It is somewhat a grey area weather or not the balance was even collectable as at the time the bankruptcy was filed a balance was owed on the account but payments were continued to maintain electric service. A new account number was never issued.
1 This COMPLAINT is a demand for a cease and desist of continuous attempts and efforts to exercise a sale under power of our property where there is no present legal right to do so. Alridge Pite LLP aka XXXX XXXX XXXX, are violating the state of Georgia statute and the Fair Debt Collection Practice Act and The Fair Credit Reporting Act. This cease and desist demand is based upon the following Violations : Pursuant to FDCPA 15 U.S. Code XX/XX/XXXXe - False or misleading representations and Pursuant to The Fair Credit Reporting Act. 

2. Whereas, You have personal knowledge that, Alridge Pite LLP aka XXXX XXXX XXXX, has committed XXXX civil and criminal offences. 

3. Whereas, an attorney with your firm created and caused to be recorded in the borrowers property records of XXXX XXXX Georgia XXXX separate sworn affidavit testifying under oath to a set of facts to which the affiant did not, and could not have personal knowledge of because the affiant/attorney was not present at the purported loan closing on XX/XX/XXXX. It is an unlawful act for the foreclosing law firm, who happens to be a debt collector for the alleged servicer XXXX XXXX XXXX XXXX XXXX XXXX, to fabricate fact and thereafter record the fabricated facts/documents in XXXX XXXX records for the sole purpose of facilitate a non-judicial foreclosure, ( that is extortion and is a felony ). the language on the face of the affidavit is clearly unlawful. 

WHEREFORE, we demand Alridge Pite LLP aka XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX cease and desist any further collection immediately.
I was the victim of identity theft and provided the proper documentation to have it removed yet it was not deleted.
Please refer to Describe Section of XXXX and XXXX. 

All related to multiple account # 's issued to same home and prohibiting any possible private investor to consider paying Wells Fargo when accounting issues and novation contracts involved with home as determined by Certified Fraud Examiner. 

Please also refer to recent extensive financial ruin initiated XXXX XXXX XXXX XXXX XXXX XXXX and Recorder 's office due to a Legal Doc Assistant suggestion of Acceptance of Deed and Grantor Trust ( just like a Living Trust ). These agencies have blocked me from securing new employment. Thus, harmed my chances of possible modification or other options. This recent event happened on XXXX XXXX, 2016 due to a XXXX investigator abusive communications over a phone -- - and clearly trying label me a Sovereign Citizen due the non-standard docs created by XXXX BUT approved XXXX XXXX Counsel and Supervisors at Recorder 's office. Again, I have a warrant for my arrest due to the XXXX leaving out the words '' Except for this liens in public record. '' I can not lose my home due to the uninformed XXXX investigator. This event has been horrifying and I ask Wells Fargo to please provide me material disclosures, and give me time to recover from XXXX event and secure possible modification or other settlement resolutions in case material disclosures were not issued to me concerning the use of my home and credit file.
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Frontline Asset Strategies has called my number daily looking for an individual that is not connected to this phone number. I tell them they have the wrong number and they have continued to call even though I told them not to call again. Yesterday I was asked if I knew the person they are trying to contact. They are harassing me for what reason? I am not the person they want to talk to. Furthermore they do not identify themselves.
I have been getting harassed by a company name Hunter Warfield regarding a debt they claim I " owe '' from an apartment building in Maryland. I 've tried explaining to them over the phone several times that the debt they are claiming I owe I do not own. I have sent them several support documents such as my I/D, current lease from my apartment building, and proof that I have been living in XXXX for the past 5 years. It was mailed out to them on XX/XX/XXXX and they received it on XX/XX/XXXX via XXXX. The latest I spoke to on the phone stated that he " did not care '' if the debt was truly mine he just wanted me to pay " what I owe ''. Everytime I try to talk to management or someone in the investigation department the reps either hang up on me or transfer me to another debt collector.
I sent a Letter of Demand Under Section 604 of the Fair Credit Reporting Act : I see these inquiries on my credit report. I would like these Items removed immediately. Please provide me Permissible Purpose. Proof that I initiated the Inquiries and Written Authorization on all inquiries. I have been a victim of identity Theft. Under Section 605B of the Fair Credit Reporting Act you are required to block unauthorized accounts within 4 business days. Please see my 10 page attachment ( Your Duties Under The Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. 

XXXX Inquires 1 ) XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX Transunion 1 ) XXXX XXXX XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 1 ) XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, NJ XXXX
IC SYSTEM COLLECTIONS REPORTING THAT I OWE THEM A DEBT. I SENT 3 REQUESTING NOTICES FOR VALIDATION OF THIS DEBT
Freeze was placed on my business account without any reason or notification from Capital One Bank. They claim that last check that I deposited, which is the same Payee name for a past 3,5 years, is under investigation. No explanations why, just hold placed without any notice, which causing me a lot of problems and extra fees from returned transactions. Bank representative stated that I will be contacted once investigator will open case, when she is not sure. I asked who will be paying late fees and returned transaction and did not received reasonable answer from Capital One Representative. This is not the first time that this bank does this to me. Please help me.
I received an email from Capital One stating that my new chip card will shortly arrive ( see attached email ). However, the email listed the incorrect ending card number than what my actual debit card that should be replaced. Upon receiving my new chip card replacing my current debit card, I contacted Capital One by phone and spoke to a representative to activate my chip card. As stated in the attached email that I received, my old debit card should have been deactivated once the chip card was activated. I was notified that my old debit card was used when I placed a recurring order with a vendor, the charges went through and were deducted from my bank account. I contacted Capital One ( XXXX ) on XXXX/XXXX/15, she was unable to verify the card number associated with the attached email. Additionally, she stated that the representative that activated my chip card probably did not deactivate my old debit card. In summary, it concerns me that Capital One sends me correspondence ( see attached ) that does not reflect my correct debit card information and they do not follow their own policy to deactivate debit cards that have been replaced. There is no validation to their card issuance/deactivation process, thereby enabling cards that should be deactivated to remain open and putting consumers at risk.
My wife and I purchased a home and applied for a mortgage with Peoples United Bank. At the outset, I told them weIhad a long dated purchase contract which gave us 120 days to close and I did n't want to begin the loan application process immediately for I knew the rate lock would be an issue and that I intended to sell my current residence but wanted them to consider the new loan without requiring me to sell the existing home as a condition. I had ample assets to satisfy the loan application without selling my current home. 
Peoples immediately pulled a credit inquiry report in XXXX which I asked them not to do since I had n't wanted to start the loan process ( I was also travelling for work and out of the XXXX for a month ). As 30 days expired from when the credit inquiry was pulled, I then commenced the process and they pulled a second credit inquiry report. When they finally issued a commitment it required me to sell home and given the market conditions I was unable to do this. Then the loan officer suggested I take out a home equity loan which I applied for with the understanding I needed to have it closed by XXXX XXXX and yet another credit inquiry report was pulled. Peoples failed to deliver the commitment by the needed date and further knowing that my home was for sale required me to repay nearly {$5000.00} in costs if I sold the house within two years. They knew this made no economic sense yet ( and asked me to apply for the HELOC ) given the house was for sale. So not only did they fail to meet the XXXX XXXX timeframe they also offered me XXXX loan products which made no sense. And with XXXX credit inquiry reports my credit score was lowered by about XXXX points! It is the credit score reduction which i seek redress, I am XXXX XXXX XXXX and have paid every bill in my lifetime on time. I am proud of my strong credit history and want to be compensated or have the inquiries removed. Obviously they additionally failed to provide me with a mortgage product which I could use but I do n't believe I have a valid complaint for that as they are within their right to place conditions. Finally, it was never disclosed to me by Peoples United the negative impact to my credit score for the XXXX inquiries and this is fundamental to my complaint.
My complaint is against American Express - this credit card company refuses to send account statements thus I have no way of verifying what I am being charge plus my not sending monthly statements I do not received the required address and information necessary to write to inquire about charges, payment history etc. 
Also, because Amex does not send statements I do not have mailing address to mail payments. 
Because American Express did not send statements I miss a timely payment.
XXXX XXXX XXXX, sent a notice of deletion to all credit bureaus on acct # XXXX XXXX the merchant. experian has it under partial acct # XXXX. since the date of letter from XXXX XXXX to experian dated XX/XX/2017, experian has failed to delete this account, in violation of federal consumer laws.
American Express Executive Platinum promises {$200.00} in credit on XXXX XXXX ancillary purchases each year. I made a {$50.00} qualifying purchase in late XXXX, and then canceled the card. They billed me for the purchase and refused to give me the credit. I filed a dispute in XXXX. I have asked several times about the status of the dispute, and all I am told ( with online chat ) is that the department that handles such problems can't be reached in person, either by me or by other AmEx employees. Today I was told that disputes are resolved in three billing cycles. It has been four. Every month I receive bills for {$50.00} stating " Pay Past Due Amount Immediately '' and " you may be charged a late fee of the greater of {$38.00} or 2.99 % of the past due Pay In Full amount if your payments is not received by the Next Closing Date. ''
There are several inquiries on my account that I did not authorize. I have tried disputing these with the company but to no avail
Complaint following complaint # XXXX I have attempted numerous calls X/XX/2017, X/XX/2017 left numerous messages to XXXX XXXX XXXX rep at Collections USA and left messages on main line for a call back pertaining my case with XXXX XXXX XXXX in the amount of {$4900.00} for early termination due to domestic violence. State law ( XXXX. Rev. Stat. XXXX ) provides early termination rights for tenants who are victims of domestic violence and ( XXXX. Rev. Stat. AnnXXXX XXXX XXXX XXXX ) for providing access to my sole leased apartment to my ex husband and witnessing him entering my apartment through a balcony ( email sent to XXXX and XXXX subject line security ) and not calling the police. I was granted relocation to XXXX as soon as my divorce was finalized for safety ( in decree documents ). Collections USA Inc. has been unresponsive to my efforts to clear this debt and remove it from the credit bureau. I have the following mentioned documents and they wo n't answer my calls to provide them with requested documents.
1. The initial complaint that I submitted is attached and named XXXX XXXX XXXX Complaint Detail. ( XXXX XXXX is hereinafter referred to as XXXX. ) 2. In my XX/XX/2018 letter to XXXX, I requested validation of their claim that I owe {$520.00}. Specifically, I requested competent evidence bearing my signature, showing that I have ( or ever had ) some obligation to pay {$520.00}. 

3. As you can see in XXXX 's response to the complaint, it provided a copy of a bill ( attached ) as supposed validation. A copy of a bill does not constitute validation. 

4. As per the FTC Opinion Letter of XXXX XXXX XXXX, I am sure Experian, XXXX, and XXXX are aware that a printout of a bill does not constitute validation. Thus, well over 30 days have passed and XXXX has failed to provide a copy of any viable evidence bearing my signature. 

5. The reported {$520.00} item is inaccurate and incomplete and represents a very serious error in your reporting. The item should be permanently deleted. 

6. Additionally, as I am sure Experian and XXXX  are also aware, XXXX has a very unclean reputation when it comes to debt collecting. I have attached some excerpts from the Consumer Affairs website. As you can see, XXXX will stop at nothing short of lying, creating false accounts, threatening people, initiating annoying robocalls, and more. 

7. This CFPB complaint system is the perfect ally for those of us who are being treated unfairly by companies like XXXX.