WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX  v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX  ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
I got an alert that XXXX XXXX added two accounts to my credit reports. I have not ever done any type of business with this company. They bought this debt from another collection company I did not owe which is not lawful and this company show be taken to court by the cfpb for putting false information on a consumer credit report.i am requesting validation made pursuant to the fair debt collection practices act and the fair credit reporting act along with corresponding local state laws. I am requesting validation that is competent evidence bearing my signature. showing that I have or ever have some contractual agreement obligation to pay XXXX XXXX.
SPS purchased our 2nd mortgage loan last XX/XX/XXXX. At first they led me to believe I was late so I filed a complaint w/ cfpb. Things got resolved but I felt I was getting played based on SPS 's reputation. ( maybe we have someone not paying attention? ) Last XX/XX/XXXX they forced placed a flood policy on me. I ignored it knowing their reputation and was not paying for dual coverage.I have not paid the premium. I finally got tired of them asking for the premium and sent them my XXXX page. Not good enough. Apparently since this was new construction the legal address does not match the physical address. No big deal they say " It is required by FEMA. After all these years no creditor has challenged this. So .... The insurance company says the agent has to change it and the agent told me to call the insurance company. Again no big deal as we been carrying flood insurance since we purchased the house. Again, I feel like is SPS looks for borrowers to extort money from ; somebody not paying attention. They have gotten better ; the call center employees sound more convincing and professional : but when asked ( several people ) to review my policy ( XX/XX/XXXX page ) ; almost all ( insurance experts ) had no access to it ; ( a couple did ) when they all should. Now I'm asking for a deferment and I'm feeling I will get the run around. I've been down this path before.! A group of investors buying a distressed book of business handled by young people in a call center in XXXX XXXX XXXX.
I left a bank account open with {$10.00} in it with Wells Fargo in XXXX of XXXX. Wells Fargo assessed fees of - {$25.00} as the balance went just below {$0.00} and closed the account with a negative balance of around ( {$25.00} ). Since then, the debt was sold off to multiple owners. I tried to trace it in XXXX. I came down to the " newest '' company who owned the debt and after calling them 5 times, they were unable to locate who they sold the debt to. Since then, I left it alone and I have n't heard anything since then. Yesterday I received this voicemail on my cell phone from an unknown number. She left a voicemail saying, " Hi, XXXX XXXX. Now my name is XXXX XXXX and I 'm just giving you a call regarding documents I received in my office under your name. Now I do need you to be advised that I have a request to place you on my schedule for delivery for tomorrow afternoon, the XXXX in between noon and XXXX. Now I will be heading out to your home or your place of employment at that time so make sure that you do have a valid photo ID for signing. Now if you do have any questions regarding the documents you will need to contact the sender directly since they are marked as sealed and confidential, I just deliver them, but that phone number is XXXX and then also your file number is XXXX XXXX. If by chance you resolve whatever issue it is you have with that office, just have them issue a stop order. If they do not issue that out, I will see you tomorrow afternoon. '' I called the number yesterday. They told me I had a case and accused me of some crazy thing with Wells Fargo and I stopped him right there and said, " listen. I checked my county records and there is nothing filed in the clerk of courts with my name on it. So if you truly were delivering me papers tomorrow, you would have legally already had to have filed them in my county and you have n't so it sounds to me like this is a scam and I will be reporting you ''. He then got defensive and I said, " It 's too bad you are choosing to do this in XXXX - I hope you do n't ruin anyone 's XXXX by trying to XXXX them '' and he hung up on me. We shall see if I actually get anything delivered to me.
On XX/XX/2016 I sent National Recovery a certified letter asking them to verified this debt that is appearing on my credit report. As of XX/XX/XXXX, they have not responded to my request or mark my file that this item is being disputed.
I received a call today from a debt collector from this agency regarding a debt they claim I owe. I initially could not get to the phone in time so I called the number back. I was informed they were trying to collect a debt. I told them that I would prefer not to be called but would instead like to correspond via email or mail and asked for written confirmation of the alleged debt be sent to my home address they have on file. The collector said that the collection calls would continue and insisted on me submitting a post-dated check for the full amount of the debt to which I refused. I again stated that I would only deal with this matter once I received validation of the debt and they again reiterated that calls would continue. In addition this debt collector is This is not acceptable and therefore I am formally filing complaint against the collection agency and again requesting validation of the debt be sent to my address they should have on file. Once received and verified that this is indeed a debt I owe then I will make arrangements to satisfy the debt.
The company XXXX has been consistently reporting incorrect information in my comments that account is closed at consumer request They have reporting balances as the account is good standing and never late but refusing to update status to open since is account open with a paid statement every month. This has been going on since XX/XX/XXXX. I receive automated letters saying it will update in 30 to 60 days. This is my 3rd letter of this kind saying that. The last one in  XX/XX/XXXX but XXXX investigated with a reponse that account closed with a Balance deceasing every month.
XX/XX/2019. Picture show chat between agents and I. No APR was ever quoted with rates so it made it impossible to shop rates. I wasnt sure if either of them were even licensed. I had to physically ask. I feel deceived. Is Quicken not held to the same standard? I am uncomfortable.
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 XXXX 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 Auto finance XX/XX/XXXX
Equifax is ignoring my many requests to investigate, verify and remove one account from my credit report that does not belong to me.
On XX/XX/18 and a couple times before I received a call at my work number for my Bank of America Secured Mastercard. I advised they are to call the cell phone on my account. Then on XX/XX/18 they called again and after verifying the account I told the agent that I never gave authorization or that I never stated my work number as my primary phone contact number. The agent advised needed to make a payment on my credit card I advised to call back on the next day as I'd have funds available to make the payment. He said he would he also said that he would update the numbers on my account. I work generally between XXXX so calling my work number wouldn't be a good contact. Also I applied for the secured card inside the Bank of America app which I had for my regular banking and savings and on those accounts they have my cell phone XXXX as the regular contact. I had missed a couple payments and I didn't know the account was in jeopardy of closing. When the man called on XX/XX/18 he didn't even advise the account had closed on XX/XX/18. I had missed a couple statements. The bank advised their primary contact is the mail. But it was also on them to have the right phone number. I get calls from the regular banking side on my cell of XXXX regularly but I never did for the secured card but they were created in the same BOA app. If they had been using the correct phone number I could've been made aware and made a payment to keep the account open. Summer months are often tougher bill wise so I had fallen behind. But BOA being a major bank and all I would've if called on the right number did something to get that payment in. I personally think they should reopen the account and let me continue and it's then on me to get that {$130.00} caught up on the account. If not then they should at least remove it from my credit report and send me my collateral of {$300.00}.
On the year XX/XX/2014 I proceeded to contract a company 's services named XXXX XXXX XXXX as a activities organizers for adults at XXXX Texas for a total of {$1.00} and paid to begin around {$400.00} but now they are collection the rest of the money. 

They sold a credible idea but this just did not work for my expectancies and I decided not to go along with them and cancel the subscription in the right time as they demanded but a few months later I see it as a collection account. 

Is now under Keynote Consulting I.
A couple weeks ago this company put collections on both my XXXX XXXX and XXXX credit reports - MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX  I have no knowledge of this debt, and no one from this company has attempted to contact me before reporting it to the credit bureaus.

I have tried to contact the company, and it seems like a complete scam. No one answers the phone.
XXXX XXXX client XXXX XXXX is an identity theft victim. Someone used his information to establish a fraudulent phone account with XXXX XXXX XXXX without his consent. A dispute of identity theft was sent to XXXX XXXX XXXX however they have refused to release XXXX XXXX of this debt ; their stance is a FL state drivers license was used to establish the account and that license information was XXXX XXXX XXXX.  This account inquiry and the associated collection account activity has been and is still, being reported to XXXX XXXX credit reports. During the previous attempts to dispute this account XXXX XXXX XXXX has requested XXXX XXXX to provide various documents to verify his address during the stated time the account was opened, to which he complied and provided. This issue has also be escalated to the State Attorney General of Florida because of XXXX XXXX XXXX continued violations of federal consumer rights of my client. As of XXXX/2017 an official account disclosure request was mailed to XXXX XXXX XXXX Office of the President in order to get ALL the information associated with this account. XXXX XXXX XXXX has maintained they have a right to continue to harass XXXX XXXX concerning this account based solely on a divers licenses being presented at the time of the activation however when asked to provide that information ; as is their obligation under both federal laws of the FDCPA and the FCRA ( since these items are reporting to the credit reports of my client ; XXXX XXXX XXXX failed to provide any of that data. In addition my client has received another collection notice concerning this account ; an account that XXXX XXXX XXXX has not yet provided ANY ACCOUNT DISCLOSURE for.
On XXXX XXXX, 2015, someone identifying herself as XXXX from the Law Offices of M.L. Zager, P.C. contacted a third party about a medical bill. They contacted, by phone, a relative who lives in a different household and has nothing to do with my finances at all, asking about me and saying I owed them money. The phone number they called is not a phone number that has ever been associated with any of my accounts, so I do not know how they got it.
On XX/XX/XXXX 2012, there was a fraudulent activity on my account on card ending with XXXX for {$210.00}, This is a XXXX XXXX XXXX card. I did contact with the customer service and they are not solving the problem, the agent did not transfer the phone call to the manager. 

Please look into the matter and get me a complete credit.
My home foreclosed in XXXX of 2010 with XXXX. XXXX had my ex partner and I sign a {$7200.00} promissory note. There were mistakes in it found after the foreclosure. They asked us to sign another promissory note. We declined. BofA never made any attempt to collect the debt for 4 years. My ex partner filed bankruptcy and the debt was not listed even though he double checked with XXXX to be sure. Last year, after four years of the debt not being pursued, XXXX sold the debt to Real Time Solutions, a debt collector. They have been trying to collect the debt from me. I do n't believe it is a valid debt.
I am a victim of identity theft. I have 2 police reports on file with the XXXX and XXXX XXXX Police Department in regards to fraudulent collection accounts and hard inquiries listed on my Trans Union, XXXX and XXXX credit report. I have sent both police reports to Trans Union, XXXX and XXXX in regards to the fraudulent collection accounts and hard inquiries. The following collection accounts and hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, {$7800.00}, XX/XX/XXXX, XXXX, {$6000.00}, XX/XX/XXXX, XXXX XXXX, {$290.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, Further I have been receiving harassing phone calls and death threats from XXXX XXXX representatives.
As of this day XX/XX/2018 Chase Bank fails to verify that I own the charge offs that they are reporting on my Credit Report from all 3 CRAs I requested by certified mail on 3 occasions and complained on this portal and still no documents contractually bearing my signature as the owner of the accounts. And as of today XX/XX/2018 my XXXX XXXX still verified the inaccurate information.
Collection company is reporting an incorrect " date opened '' of the initial debt, which is in violation of the FCRA 623 ( a ) ( 5 ) ( A ). The first collection attempt from the ambulance company was XXXX XXXX. It was then transferred to an initial collection agency in XXXX, and has been reported incorrectly ever since. I have notified the associated collection agencies numerous times via direct complaint from my credit reports.
Not to mention the fact that I submitted a dispute and the collection agency took over 30 days to respond.
Beginning on XX/XX/XXXX I began having ACH transactions reversed from my business checking account to my creditors. All of the transactions listed below were coded incorrectly. All the transactions were coded XXXX Frozen Account when in fact my account was not legally frozen. The bank verbally agrees that my account was not legally Frozen. They ( branch manager and the asst manager ) say account was never Frozen but yet the ACH department gets their information from the bank as to why ACH transactions are reversed. I did make a deposit in the amount of {$2000.00} on XX/XX/XXXX that the bank put a hold on. They say this is the reason for the returns but that does not explain why I had the return on XX/XX/XXXX that was coded as if my account was frozen and furthermore these other transactions should have been coded XXXX uncollected funds not XXXX Frozen account. The deposit in question never should have been held as it cleared the other bank the same night it was deposited but my bank said the funds couldnt be verified. They already had the funds. I have spoken to the branch manager 3 times, the Asst manager atleast 5, customer service 8-10 times, I have filed a complaint and a dispute with the bank. All I need is a letter from my bank stating my account was never frozen and is a valid account. The branch has contacted the legal department and they are not allowed to write a letter for anyone about anything. I have contacted XXXX and spoke to customer service manager who was the first person to understand the ramifications to my business due the codes being wrong. The bank XXXX manager was supposed to call me but I never heard from them. It has been 6 weeks and no resolution. I have no access to my business line of credit, I have to now hand walk my XXXX XXXX payments in person to pay in cash at a XXXX store for the next 12 months and due to the XXXX return I may not be able to get another working capital loan from XXXX for my business. This has greatly effected my business and I am unsure of the future ramifications to my business. This could honestly put me out of business if it is not resolved and I can not access my line of credit or renew my working capital loan. I started this XXXX in XX/XX/XXXX and my account has been with Huntington for about 19 years back when it was XXXX XXXX. Also, none of the transactions show on my account that they were returned or paid and I was not charged a fee for any of these returns. XX/XX/XXXX- XXXX return code XXXX {$240.00} XX/XX/XXXX- XXXX XXXX return code XXXX {$230.00} XXXX XXXX XXXX return code XXXX {$240.00} XX/XX/XXXX - XXXX XXXX return code XXXX {$230.00} XXXX XXXX return code XXXX {$240.00} XX/XX/XXXX- XXXX XXXX return code XXXX {$230.00} XXXX XXXX ( XXXX ) return code XXXX {$200.00}
When I signed the paperwork to get this mortgage I was informed by the loan rep it would never be a problem to renew the interest loan. The Clear Spring was very misleading and they would not allow me to continue with an interest only and advised I would have to refinance which was not what they originally told me when signing the loan.I did receive paperwork for a modification but then they advised they would not live up to what they said they would. The company mailed me modification paperwork and would not accept it when it was sent to them as they agreed it would not be a problem to modify the loan to smaller payments or interest only. I tried several times to work things out with the finance company XXXX and Clear Spring. I signed the loan based on false information given from the finance XXXX and their employees at XXXX who worked there. When I advised them of this in several of my emails from the loan company which I do have copies of no one was concerned about the deliberate false and misleading information given. I am now in default of a loan that is more than 4 times the amount owed with no concern from the original lender who has deliberately mislead me into a loan that they knew they were never going to renew without a refinance due to personal opinion and not due to payment history. Let the record show that during the interest only period I was never late until the original lender increased the terms and refused to live up to what they advised also the finance company refused to live up to what they wrote in the paperwork sent to renew on an interest only basis. Clear Spring agreed to modify send paperwork then advised they were not going to live up to their agreement.
Withdrawal money joint account ( Husband and I ) from XXXX XXXX XXXX XXXX {$7000.00} ( lost receipt around this figure ) I believe that happen in XX/XX/2018 at XXXX XXXX XXXX XXXX, UT XXXX. I showed up with my identity photo id that they required.i cant speak XXXX very well, i cant drive, i  was staying brother house with my XXXX kids as guest because i don't have a place to live.all of sudden my brother received a letter from N.A.R. inc.for collection .XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX that i owed money {$1500.00} from XXXX XXXX XXXX XXXX which i never aware of that. 
1. I never take a loan from them 2. they done something mistake they are trying to collects from me.

3. they giving hassle my brother sending those kind of letter and my information which they are not supposed to.

4. i never owe money from them i withdrawal money from our joint account.
I was attending XXXX XXXX College when these loans were taken out. However the school is no longer on business and has closed down.
Equifax/ I do not remember authorized this company to obtain a copy of my credit report. This inquiry need to be removed immediately. Please deleted " XXXX XXXX XXXX ''
Transworld Systems is acting as a collection agency for the State of Wisconsin to collect state income tax from me for a seven-year period for a total of {$12000.00}. The only sale I have made to a company in Wisconsin is one for {$3400.00} in XXXX. ( See the attached invoice. ) I have no sales presence, resellers, stocking sellers or any company activity located in the State of Wisconsin. All my sales are internet sales. I have never been to Wisconsin. 

I have patiently explained all of this in detail to the State of Wisconsin and Transworld Systems, but keep getting auto-replies. I pay state income tax in the state of Idaho where my home-based business ( XXXX XXXX ) is located. I owe nothing to the state of Wisconsin or Transworld Systems. 

Transworld 's latest letter was XXXX/XXXX/XXXX.
inaccurate information reported to the credit bureaus, FTC violation, submitted the FTC report to all 3, Sent PO report already, more than 45 days
On the morning of XX/XX/17 I completed a {$1800.00} wire to Coinbase. I have confirmed that the wire instructions including the further credit reference was present and correct. Coinbase still had not credited the funds to my account. They stopped responding to me on Saturday. They didnt even acknowledge my messages earlier. You cant call them on the phone.i shared all of the wire info including the bank Ref and fed Ref numbers. They havent even made an effort to check on it.