WillisBack/dataset-financial-user-claim huggingface dataset:
I am disputing this debt collection from Capita l One Secured Credit Card for the following reasons : I was finding it difficult to meet my financial obligations after I lost my job. I owed Capital One   XXXX  dollars, on a secured credit card when the account went into collection. At that point I could barely cover my rent and food. I notified them, but they kept adding on charges. I will repay the {$92.00}, butI asked them to forgive the interest. I now have anoth er Capital One card, Im  paying my credit on time and I am trying to pay my debts and rebuild my credit. They are asking for  XXXX  from the  XXXX  that I originally owed. I received a letter in  XXXX  that offered 40 % off, which would be  XXXX , I would like to settle for this amount only now they are refusing. I am not making a lot of money now as a   XXXX   XXXX  , I am just trying to clear my credit.
I obtained a lease from XXXX XXXX XXXX on XX/XX/XXXX. I completed all of the paperwork on XX/XX/XXXX but they kept having problems so the lease date was n't started until XX/XX/XXXX. I received orders to go to XXXX in XX/XX/XXXX. I submitted all of the paperwork that they required in order to turn in a vehicle under the Servicemember Civil Relief Act. After submitting the paperwork I was told that I did n't qualify since the date on the orders was XX/XX/XXXX. I called and explained to them that Soldiers do not get orders on the same day that the orders are published and that it can take months to trickle down to the Soldier. XXXX XXXX told me that they would not allow me to turn it in and they gave me two options, either try to finance the vehicle or to leave the car in the states for the three years while we are gone. We have tried to finance the vehicle but there is no one that will finance a vehicle going overseas. We have even thought about leaving the vehicle behind but there is no way that we could afford a {$700.00} car payment, {$250.00} insurance and {$150.00} storage fee. Not to mention there is no way for the vehicle to be started to it would run into a lot of mechanical issues by just sitting and we will not be in the states in three years to return the vehicle. The only way I am able to make this work is to drop it off and have it voluntarily repossessed but that would ruin the security clearance that I have with the military.
In XXXX I co signed for an apartment with a friend. At the time I lived in North Carolina & he lived in Florida at the XXXX at XXXX XXXX XXXX in XXXX, Florida. In XXXX of XX/XX/XXXXafter his graduation, he moved out the apartment. I was not contacted of any debt owed. Months went by and I was never contacted via email, mail, or phone. On XX/XX/XXXX, the apartment contacted me & told me if I did not pay them almost {$1700.00} that day, they would send it to collections. I told them I just had a new born baby and was out on unpaid leave & would be unable to pay. I also stated the fact that I was never contacted and asked why did they wait 10 months to contact me concerning the money owed. I received no response to my question and was told they would be sending me to collections & hung up. Within a month I received calls multiple times a day from a number I did not recognize. One day I decided to answer the call. A gentleman from National Credit Systems call about this debt. I explained the situation to him. He told me I had until XX/XX/XXXX to make some type of arrangement in order to not place the debt on my credit. He said if I made a payment arrangement, they would not report the debt. Even after this conversation, the company still continued to call numerous times a day. On XX/XX/XXXX my financial advisor called on my behalf. After speaking on a recorded line, the representative said that the debt would not report to my credit due to new law changes. As of XX/XX/XXXX National Credit Systems has placed this collection amongst all 3 credit bureaus. Upon further investigation, the State of North Carolina requires collection agencies to be licensed and/or registered with the Secretary of State. National Credit Systems is currently under a REVOKED status.
XXXX : XXXX XXXX XXXX XXXX Choice Recovery XXXX XXXX XXXX XXXX 

THIS notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
Upon recent review of my credit report, FIRST FEDERAL CREDIT CONTROL- XXXX Credit Report : Account 1 ) XXXX COLUMBUS XXXX INC./and CHOICE RECOVERY INC. : Account 2 ) # XXXX - XXXX. XXXX XXXX, XXXX XXXX XXXX Collection agencies are reporting that I owe the above creditor XXXX Car Rental a debt. I am in dispute of this unfair debt collection practice and inaccurate billing dispute. How could I possibly owe XXXX these creditors for the same exact debt? XXXX Re : XXXX Car Rental ) As per this rental, this was an insurance claim, paid in full by my Insurance with : XXXX INSURANCE- PLEASE CHECK YOUR RECORDS CAREFULLY. Upon return of my rental the agent on duty never advised me or called me to discuss with me THAT I HAD A BALANCE/ OR gave me an opportunity to actually DISPUTE the issue. 

I am requesting that you investigate this illegal deceptive practice and verification of this questionable debt collection agency/or agencies. I NEVER RECEIVED ANY NOTIFICATION OF THIS DEBT or a description of what I owe this money for. Apparently this is a scam ; this appears to be the same exact companies. This is an illegal Unfair practices. Debt collectors should not be allowed to engage in unfair practices when they try to collect a debt. For example, in this case, they should not identify themselves as different companies, when they are actually the same. 
Please investigate this matter. I do n't even know who these companies were until this account was turned over for collection. Could it be credit theft? I 'm not paying until I see an accurate billing statement. FUTHERMORE, " The FTC CLEARY points out, " Every collector must send CONSUMERS a written 'validation notice ' telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. '' I never received any notice. Subsequently, The FCRA also protects consumers from the misreporting of information on your credit report. If a debt collector or credit bureau reports incorrect or inaccurate account information, it is violating the FCRA. Examples of violations include failing to report that a debt was discharged in bankruptcy and reaging old debt to extend the statute of limitations. In this case, it is definitely apparent that a collection agency or Credit bureaus can most definitely mix up similar credit files and misreport information. Therefore a consumer, should have the right to dispute any information he/she may feel is not possibly reported accurately.
XXXX XXXX I made a payment to a law firm ( XXXX XXXX XXXX ) via Western Union in the amount of XXXX plus the XXXX fee. 

XXXX XXXX XXXX is stating they never received the payment. I have spoken to Western Union numerous times about this and they claim that they are not able to reach that firm. They will not take the number that I reach the firm on which is XXXX.
Diversified consultant has reported a debt that does not belong to me and has failed to validate this debt. this was reported on XX/XX/2016 for XXXX for phone services from XXXX. I requested that they validate this debt by sending a certified letter to the collection agency in XX/XX/XXXX, and followed up with another certified letter in XX/XX/XXXX. As of today, they collection agency has failed to respond, yet it is still reporting negatively on my credit report.
I checked my credit report after finding out someone stole my identity. There were fraudulent inquiries on my report that I didnt authorize. Ive contacted transunion numerous times disputing the inquiries with no luck! Please help me!!! It goes as follows : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
I am constantly receiving harassing and threatening telephone call from XXXX XXXX debt collector Integrity for a debt of {$97.00} I do not owe. The account is an unauthorized and fraudulent account that 's the result of identity theft. The account do not belong to me.
On or around XXXX, XXXX, I applied and was granted a XXXX credit limit with American Express and transferred another credit card balance less than XXXX. Since then, I have made the minimum payment plus interest each month as indicated on my account. 
On or around XXXX XXXX, I forgot to make my monthly payment to American Express and have was fined a late fee of {$38.00} thus making my payment due immediately of {$62.00}. On XXXX XXXX, I received a phone call from a CSR from American Express to remind me of my payment due, to which I agreed to pay once I arrived home. Upon logging in to make the payment I noticed my credit limit decreased tremendously from XXXX to XXXX. I then called American Express to obtain verification to the change in credit limit and was informed that the change was not set in stone and that I can appeal to reverse the changes. The CSR rep was confused as to why my credit limit was decreased quoting that " he has seen other accounts in way worse condition, and should not have happened and the reasons they gave are questionable ''. I was then transferred to the Responsible Lending Department. Apparently, the Responsible Lending Department issued a change due to the FICO credit ( XXXX ) and the payment each month to balance were to high. I owe {$2200.00} which does not reflect the monthly payment made of {$62.00} that includes the {$38.00} late fee. After speaking with the Responsible Lending Department representative, he informed me that my option are to pay {$1100.00} between XXXX XXXX and XXXX XXXX and it would be best to use the card more often. According to my math, this is means paying appx {$340.00} per month. The Responsible Lending Department representative reported that my options are to make the payments or complete the document option which requires going over my financials. I am puzzled at their tactics in attempt to bully me into making a {$340.00} payment when the monthly payment amount does not reflect what the Responsible Lending Department representative stated is within their policy. I asked the Responsible Lending Department representative about the appeal/reverse option to which he stated the two options mentioned were the only ways to reverse my credit limit decrease. If I had known that not maxing out my American Express card would result in them bullying me and holding my credit limit for ransom I would have sought out other prestigious credit cards elsewhere.
Dear Exquifax, I recently received a copy of my Exquifax credit report and I notice there is an unauthorized credit inquiry made by ( insert name of creditor ). I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into the following creditors : XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX - XXXX XXXX XXXX.
If you find I was not the one who authorized these inquiries, I ask that it be removed immediately from my  credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. 

If you find that I am in error, then please send me proof of this. 


Thank you in advance, XXXX XXXX
On XX/XX/XXXX my husband and in-laws both received voicemails from a XXXX XXXX stating that she was trying to locate me and that I had a pending legal suit against me. my husband gave me the number that she had given as well as the filing number that was on the voicemail. I called the number and was told that they were XXXX  out of Georgia. I asked for some sort of verification of the debt and was told that that was evidence and they would not give it to me. I repeatedly asked for more information and they would not give me anything other than the amount due if I paid that day or the amount that I would have to pay if it goes to court. I was told that I could call the original creditor but they would just refer me to the collection agency that they used and that collection agency would refer me to a broker who would then refer me to another agency before I finally got back to them. I called back this morning and recorded the conversation. I asked who the plaintiff was and was told the plaintiff is them ( XXXX  ). that they own the debt now but that they are not a collection agency they only file the paperwork. I again requested a copy of the documentation and was told that the only documentation they can give me is a document stating that I had resolved it or documents stating I had made payment arrangements. That they would not give me any documentation pertaining to the original loan. I asked for the name and address of the firm as well as the name of the attorney that would be filing the complaint. I was told they don't have any attorneys on staff and that their name is XXXX  I was given a PO box of -XXXX XXXX XXXX XXXX California XXXX. When I asked for the full name of the company she refused to give it to me ( the lady I spoke with name was XXXX both days ). I asked what their role was in this situation and I was told that they are a legal proceedings office that they purchased the debt with the intent to sue so therefore they are not a collections agency.the phone number I was given as a contact for them was XXXX XXXX file number XXXX. The phone number that called my husband and my in-laws was XXXX
Incorrect information for state tax lien. I have attached the delinquent tax list and my name or ss # is not there.
last month I opened a Capital One Master Card at that time I enrolled in auto pay. I accidently entered my inocorrect checking account number and the payment was returned.after speaking to them 3 times and trying to make 3 payments ( in all conversations they told me that the matter was cleared up ) .. 
Today again I called and asked why they are not taking my payments, finally they told me that the checking account I entered was wrong.. I made a for XXXX.. they said my account was going to remain frozen until I verify the wrong account I mistakenly entered in autopay.. since I do n't know the number I I cant.. they have my proper checking account number. but will not take my card off being frozen. I said I would pay it off and close the account. they said I ca can pay it off but the account would remain open forever and I can never use it be because I am unable to verify the checking account number that I initially entered incorrectly.. but they will continue to charge me an annual fee for the card.. so they wont take it off the frozen status and they wont close the card. 
they say they recorded all of my phone contacts with them so I asked them for transcripts of the conversations proving that I tried to pay 3 times and 3 times they told me that the problem was reconciled.. today I spent many hours on the\ phone with them talked to three people and they said were putting me on hold but they hung up ... they kept trying to make me say that my acts were intentional and that I tried to fraud them ... they were pushing me to use those words.. I need this resolved so it dosent ruin my credit and I want copies of the transcripts of the conversations.. I want to sue them or get a lawyer or something I admit that I mistyped my checking account number in autopay completely by accident.. how can I resolve this and sue them. how could they refuse to close my account, I cant ever use it, I have to always pay annual fees .... 
unless I verify an account number that I mistyped and do n't know what the number is ... I want the transcripts to show that they told me it was resolved 3 time 3 times and to show how they tried to make me use words to say that I frauded them intentionally.. 
PLEASE HELP ME
In a recent dispute, the results came back verified. What was your method of verification? 


1. I cant imagine what legal precedence you have that would allow you to report [ XXXX # XXXX US BKPT CT XXXX XXXX ]. I called the court and was literally told that they dont verify, validate, furnish, produce, etc., any public record info with you guys. Technically, theyre the original creditors you need firsthand knowledge! 

Delete it and send me a new report. 

2. Can you please explain to me why they are reporting that I have a balance. From what I understand, they write off a portion on their taxes and get paid by their insurance, so why would I pay this too? So they get double paid? 
[ XXXX XXXX Acct no. XXXX ] [ XXXX Acct no. XXXX ] Delete this immediately. 

3. Arent you supposed to have copies of my signed documents in a file there? Well considering that I dont know [ XXXX XXXX acct # XXXX. I need you to send it to me.
I got an approval on my request for a Loan Modification submitted on XXXX to my mortgage company SETERUS, they set a Trail Mod Payments starting in XXXX/XXXX/XXXX on the amount of {$900.00} All notices in regards to this approval I received over the phone, I never received any documents by mail, email or fax, neither my housing counselor. 
On XXXX XXXX, XXXX I was requested by SETERUS to pay {$650.00}, until that moment no documents were received from SETERUS, not Trial Loan Mod approval, nor Permanent Loan Modification Agreement, as I expected after to fulfill my three trial payments on the full amount on time. 
There were so many phone calls to SETERUS requesting for documents above mentioned, but always servicer stated that they will send the right documents to my address ( Principal Residence ) and never accomplished. 
On XXXX/XXXX/XXXX SETERUS informed me that they will extend my trial loan mod for another three months, and they will continue debiting my checking account for {$900.00} In addition, servicer stated that day that I should submit Permanent Loan Modification Agreement not later than XXXX XXXX, otherwise they will reassume foreclosure procedures ; however, they still did not send any document to accept and sign!!!!! 
This is a XXXX Investor mortgage, the reason why we already contacted investor and let them know about this unfair and illegal procedure.
I received a call from I.Q Data in XXXX of XXXX about a debt owed for an apartment I used to rent in XXXX and moved out of in XXXX of XXXX. I received a letter from them that was sent out on XX/XX/XXXX stating I needed to pay {$330.00}. I called yesterday, XX/XX/XXXX when I came across the letter and tried to get a better understanding on the balance owed, especially 3 years later after moving out from the property. They could not give me any details about the balance and simply said it was for " an appliance repair ''. I looked at my " final walk through letter/form '' from the day I vacated the property and it didn't have a dollar figure of any appliance item being repaired. The only figures on the final move out certificate was {$90.00} for carpet cleaning & {$75.00} for 2 to 3 hour cleaning. I never received anything in the mail about this appliance repair with a balance owed and I definitely did not get my deposit back when I moved out from the property in XXXX of XXXX. So I am unsure as to why this is now being brought to my attention after 3 years. I made a payment yesterday, XX/XX/XXXX, of {$290.00}, as I was promised the debt would be removed from my credit report immediately. I am requesting an investigation if possible. Please help!
Back in XXXX I had a lawyer file with the courts a Stipulation of Dismissal regarding a debt from a previous landlord. The debt was never removed and was reported to credit bureaus and is inhibiting me from obtaining a competitive interest rate for my first mortgage. I spoke with the company recently and sent them everything I have from the courts and they never called me back to follow up with me. After multiple attempts to get the status of everything i spoke with someone who said they can not remove this and when I asked to speak to a manager they told me they couldnt transfer me. I had to call them directly and of course had no answer. 

The mortgage rates is significantly higher than it should be. The charge was dismissed in court and filled in a court. I have documentation confirming this and they still wont adjust what need to be adjusted.
I have attempted to get these 2 credit inquiries from XXXX off of my credit report the dates for the inquiries are XX/XX/2017 and XX/XX/2017. I disputed them XX/XX/2017 with XXXX and the credit bureaus. XXXX stated they do not have any inquiries in their system for those dates. I disputed them with all three bureaus and they stated it was accurate and to contact the creditor. I contacted the creditor prior to disputing with the credit reporting agencies they have no record of the inquiries. I am tired of going back and forth with these credit bureau agencies and I want these inquiries removed. I spoke with XXXX exec off speaking with XXXX XXXX at XXXX and he handles escalated situations and he informed me that the two inquiries are not in there system so there is nothing for XXXX to dispute on there end.
I currently owe {$54000.00}, my monthly payment is {$500.00} and I make about {$2300.00} per month. My rent is {$1600.00} in addition to other bills. I am unable to make this payment and need assistance as the lender, Discover Student Loans, is unwilling to work with me.
Threatened me on the phone that they were going to arrest my wife if she did n't pay a debt she supposedly owed them. I paid all her debts off in 2012, so that 's not possible. They also called my sister a few weeks ago and claimed my wife was going to be jailed for failing to pay. How they got her phone number is beyond me.
Me and my husband was buying a car off XXXX ar XXXX  XXXX and we had problems with it since the beginning check engine light was on it stopped turning on every week when I called to get it fixed they didnt have time or we just fixed it so returned the car and they called me everyday threatening me that they were ruin my credit score and take me to court the guy that sold it to us was XXXX this was year of 2015 I told them to stop calling me and they didnt listen they said we going to take u to court and I told them lets go then
NE Credit Collections is reporting to my XXXX credit file a collection in the amount of {$640.00} with a delinquent/open date of XXXX/XXXX/XXXX for XXXX XXXX XXXX. After research, I found that XXXX XXXX XXXX is located in XXXX XXXX XXXX. I have not lived in XXXX XXXX XXXX since XXXX. I lived in XXXX, XXXX from XXXX, then moved to XXXX in XXXX XXXX to XXXX XXXX. I have been at my current residence in XXXX since XXXX XXXX. They are in federal violation of inaccurate reporting/re-aging a debt with a delinquency date of XXXX/XXXX/XXXX. Furthermore since I have lived at my current address since XXXX XXXX, they are in violation of not sending out a 30 day collection activity letter to me for validation of debt as this debt was paid by medical insurance in full a long time ago. I disputed with XXXX but NE Credit Collectors came back to XXXX that it was mine debt and it remained on my credit file as disputed. This has caused me to be denied credit at times and caused harm to my credit file. I can prove my residence dates and if this is not deleted immediately, I would like FCRA penalties and fines levied on NE Credit Collection and proceed with litigation. This is inaccurate reporting of dates and a debt not owed and should be deleted immediately. This is also a HIPPA privacy violation.
I have received notification that my mortgage payments were not received for XX/XX/XXXX, and XX/XX/XXXX. 
My XX/XX/XXXX and XX/XX/XXXX mortgage payments were made both in the amount of XXXX withdrawn from my account on XX/XX/XXXX, and XX/XX/XXXX My payments are made from XXXX XXXX XXXX, XXXX, Illinois. I have receipts showing evidence of payment of mortgage for XX/XX/XXXX, and XX/XX/XXXX. Your help with this matter is greatly appreciated.