WillisBack/dataset-financial-user-claim huggingface dataset:
I sent a certified letter to national credit systems inc. on  XX/XX/2018 the letter demanding the information below ; : Your reference number : National Credit Systems # XXXX To Whom It May Concern : Per the FDCPA I demand validation of any debt you claim I owe your company and demand you provide me with all of the following ; 1. You have purchased or were assigned the debt and provide full chain of assignment.

2. The amount you paid for the debt 3. The full accounting of the transaction history ; every charge, every interest charge and any other charges and fees, and the date ( s ) on which they occurred, for the entire life of the alleged debt.

4. That the debt is not time barred 5. Original Contract between myself and the Original creditor with my signature and an authorized signature from an employee of National Credit Systems, all pages, both sides, or a certified copy 6. Original Contract between myself and National Credit Systems with my signature and an authorized signature from the employee of National Credit Systems, all pages, both sides, or a certified copy.

I do not believe I owe your company anything and dispute I owe your company anything. Pursuant to the FDCPA, you are immediately stop all collection activity and delete ant reference of this alleged debt from my credit report ( s ).

Under no circumstances do I authorized you or give your company consent to furnish any information to my credit report ( s ) nor take any action that would result in an inquiry on my credit report ( s ) from your company.

Provide to me, in writing, the demanded validation information listed above. If you can not provide everything you are to immediately and permanently delete all reference of this account from all of my credit report ( s ) and send me confirmation this has been done.

They responded with a lease that was auto signature Which is not my signature. They did not provide all 6 documentation that I needed. I sent them a fraud packet along with my lease, drivers license and police report and they still stating that its verified without showing any proof that I owe National Credit Statems. I am demanding for this to be deleted right away
XXXX XXXX -- -collection agency Collecting for XXXX XXXX a charged off account Called last night XXXX XXXX XXXX, XXXX ) and would not identify where they were calling from but asked for my information. Caller said, " I will call you tomorrow. '' XXXX called today XXXX XXXX XXXX, XXXX approximately XXXX ) and asked for me by name. I verified who I am and my address when XXXX said it. 

I asked where she was calling from and what the call was in reference to. She stated the total and I asked how I would contact the company to verify this was an actual debt. She said, " You would have that information, but I have an original account number. '' I repeated the account number and let her know that I would need to contact XXXX. She again asked how I would be paying for the debt and stated the total again. Then said, " They are only going to tell you that it 's a charged off account and you need to pay the total. '' I repeated that I needed to contact them first, and XXXX said, " So, you are refusing to pay your debt? '' I said I was not refusing but wanted to verify and as she cut me off saying, " It sounds like you are refusing to pay your debt. They have sent you information on your debt and you need to pay it. '' I asked for her name and which she said for me and that I still needed to pay my bill. I tried to verify the name of the company she worked for and she hung up on me. The caller last night and XXXX, today, were aggressive, combative, insensitive, and unprofessional. In light of recent credit card scams, they should have been more professional about handling my case.
US Bank has failed to ivestigate inaccurate charges that are listed on the attachments. 
The lied about faxes sent in relation to the charges. They claimed to of never received them despite fax receipts. 
The failed to provide documentation as to why XXXX was denied without any reason. The reason is it wasnt a vaild charge. 
I am happy to part ways with US Bank but on equal terms. They must credit me XXXX to card ending in XXXX. 
If there is a surplus on this card, it can transfer to to another US Bank card. 
I plan to pay them in full once the disputes are resolved.
this is fraud i do not know these people and the situation ... its fraud ask for any document ... their are none ... i do not sign papers nor i do not know these people
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX DOB : XX/XX/1983 please be advised that a copy of this letter has also been sent via certified mail. 

the equifax, XXXX and XXXX credit reporting agency have all been dishonest in its investigation of this chapter XXXX & chapter XXXX bankruptcy being reported under my name, after receiving my credit report it was confirmed that the company XXXX XXXX was the supplier of this invalid account being reported, so I called them to request that I have this validated and they stated that they have not validated this debt with equifax, XXXX or XXXX, furthermore I went to the federal bankruptcy courts ( letter attached ) to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. 

I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). 

please provide me with the courthouse name, address, phone number of who verified this debt
i am a   XXXX   XXXX   doing a refinance for a client and she currently has  XXXX  mortgages. i have proof that her  2nd  mortgage that is a line of credit was never paid more than 30 days late,  yet Ditech is w illing to verbally admit they posted incorrecty but will not put this in writing therefore preventing me from closing this loan. I have a recorded line from the   XXXX   XXXX   company that i work with the states no  30-60-90 days late, but the history must match from Ditech . They stated they would fax a letter stating the month in dispute was not late however this letter has not arrived, need help.
In XX/XX/XXXX I obtained a mortgage from XXXX XXXX. I wanted to make extra payments so XXXX referred me to XXXX so that an additional payment to the principle would be made each year. XXXX notified XXXX anytime there was a change in the amount ( e.g., the escrow went up or down ) so XXXX could adjust the amount automatically deducted from my account. In XXXX my mortgage was sold to Freedom Mortgage ( XXXX XXXX XXXX, XXXX, TX XXXX ). The escrow was adjusted in XX/XX/XXXX ( the mortgage went from {$1800.00} to {$1900.00} ) ;  XXXX was not notified so they deducted the usual amount which was sent timely to Freedom. However, Freedom did not apply those monies to my mortgage. I was contacted and immediately paid the additional monies as well as additional charges. Freedom filed a negative credit report against me ( and I have always had an excellent credit report ) saying I owed them {$1900.00}, when in reality it was just {$17.00}. I filed a dispute claim with them and with XXXX, but Freedom has refused to remove the negative credit report and XXXX has not changed my report. Freedom Mortgage 's negative credit report is fraudulent since there was only {$17.00} owed not {$1900.00}. I would like this negative credit report to be removed from my credit reports.
Please see attached letters in regards to my attempts to have my escrow account cancelled. This began XXXX of XXXX. They did not respond to my letter and I sent a follow up letter. Their response for not cancelling the escrow was simply put as " they received the loan like this ''. That is not a legal reason to not cancel my escrow account. When I called and complained they acknowledge that I have the right to cancel my escrow account if it is in a positive balance. They just paid out taxes and the homeowners insurance and my balance is negative, so until I can have a positive or XXXX balance they can not cancel the escrow. I made my payments and in XXXX of XXXX I sent a letter explaining that in one more payment I will have a positive balance, please cancel my escrow. They never responded, I called they said they did not receive it, I could fax it. I faxed it to both their customer service and real estate tax bill departments on XXXX. I called on XXXX and talked to a supervisor name XXXX. She confirmed the receipt of the fax. I received a letter in XXXX explaining they received my inquiry and are working on it. I called on XXXX for an update and spoke to another supervisor XXXX, she explained that she shows no record of any letter in regards to cancelling my escrow account. she was polite and gave me a fax to her and said she would make sure it got to the correct department. I faxed it to her and talked to XXXX in her unit XXXX who said it was received and sent to correct deparment. In XXXX I receive a letter from Bayview stating that since I did n't send paperwork for a modification of my loan, I am no longer qualified for a loan modification. XXXX XXXX I called and was told that was a separate inquiry and that they were still working on the escrow response, should be soon. XXXX XXXX XXXX I called for an update and was told that they have no letter asking for escrow to be cancelled. I spoke to a supervisor named XXXX who said that they have nothing, I asked to fax letter to him so he could get it done because in XXXX they will pay out again and I will be short and not allowed to cancel. He explained that he does not have a fax and stated I could fax it myself to them, offered me the number. I could also mail it. I have attached copies of my letter. I want Bayview to cancel my escrow immediately and I want it done before they pay out taxes.
I am a veteran that has a VA rating 100 % based on my XXXX XXXX. My loans were approved for discharged by XXXX  XXXX XXXX department. The letter stated that my loan holders had 150 days to return any payments I have made since the date of my XXXX  by the VA.

The approval letter from XXXX XXXX XXXX XXXX was XX/XX/2018. My other loans had re paid all my payments and have discharged my account and closed the account. XXXX, as of now, has yet to repay me for payments made and every time I call, no one seems to know the status of my account. I have talked to supervisors, who gives false statements to get me off the phone.

I talked to a supervisor who stated that it was the responsibility of my other loan holders to re-issue payments to me.

Another supervisor, explained that it was the responsibility of the Department of Education to discharge loans and to issue out any payments.

The 150 day period for repayment was due XX/XX/2018. I have not received any letter or phone calls regarding the status of my account and payment refunded to me.

Its sad that veterans and others get treated like this from a company who refers its lead as a place that takes care of its customers. I have XXXX   and I get so frustrated and angry when I talk to one of their representatives.
This debt is from a residence of 4 years ago, we were never sent a letter of intent to collect a debt. I did not receive a notice of right to dispute, nor did I receive any phone calls to collect a debt from XXXX XXXX, as I did n't realize I was being charged. Upon review of my credit report, the balance was sent to collections. I called the collection company to offer a settlement of {$500.00} and she laughed at me over the phone, lied to me about her title at the company, and then was very offensive, talking to me like a child. She offered me a settlement amount that was over my means, telling me that her supervisor approved that amount. When I asked to speak to a different supervisor, she stated " I AM THE SUPERVISOR LADY '', and she was very rude and offensive. I then spoke to another " supervisor '' who stated she was the supervisor, and unfortunately they could n't help me lower the settlement amount.
XX/XX/XXXX My money was stolen and used to make money orders that were transferred else where. I contacted MoneyGram, the company that transferred the transferred the funds as well as the company to which the money orders were drawn on. the representative refused to help me and deleted my MoneyGram account, thus destroying the history of these transfers. the money orders were stolen to begin with I never authorized the use of my information or funds to create the money orders. the money orders were purchased from XXXX  XXXX in XXXX XXXX, LA, I was able to obtain receipt copies of the purchase. XXXX  XXXX was unwilling to provide any assistance other than the copies of the receipts. There are six money orders in totaling which add up to the amont of {$2500.00}. I filed reports with the police as well as FTC, which announced that MoneyGram will have to begin to reimburse consumers, for facilitating fraud and allowing money to be displaced. All and all the receipts are as follows all made on Terminal XXXX : {$500.00}, {$500.00}. {$490.00}, {$490.00}, {$490.00}, {$10.00}. 
On XX/XX/XXXX I sent an email to MoneyGram about this again, and filled out a Money Order Search document, and was charged {$40.00} to try to located the fraudulent items which were created from money stolen from me and were transferred to someone own to me.
Repeated calls and voice mail from this number identifying themselves as XXXX Focus Receivables, a debt collection agency and requesting a callback. They provide no reference account numbers or details then ask me to leave information. I do n't owe any debts to anyone and these calls are disrupting my right to quiet enjoyment.
Ive been battling with identity theft for years and now theres 3 new collections on my report that I never Opened. 3 new collections have been added to my credit report that is fraud and have not been opened in my consent on my Experian credit file. XXXX XXXX XXXX XXXX XXXX Balance date : XX/XX/2018 with balance : {$40.00}. Another XXXX XXXX XXXX XXXX XXXX with balance of {$280.00}. XXXX XXXX XXXX open date XX/XX/2018 Balance : {$880.00}. These are ALL fraudulent accounts in my name. 

There are 7 fraudulent accounts in my name reported on my Equifax account. 
Names : XXXX - medical collection balance {$330.00} XXXX XXXX XXXX - Balance {$350.00} XXXX XXXX - Balance {$320.00} XXXX XXXX XXXX - Balance {$890.00} XXXX XXXX XXXX - Balance {$570.00} XXXX XXXX XXXX - Balance {$400.00} XXXX - Balance {$570.00} THESE ARE ALL FRAUDULENT ACCOUNTS MADE BY SOMEONE ELSE AND NOT ME. These need to be removed.
XX/XX/XXXX Customer Service - General Inquiries | Dispute Department XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam, I am writing to you today to explain an incident that occurred on my account regarding the statement datedXX/XX/XXXX. As noted, my payment was delinquent in excess of 60 days. In XX/XX/XXXX, I paid the account in full, but due to XXXX  inaccurate payoff amount, the account remained with an outstanding balance. Thus, I assumed my payments were being made in a satisfactory manner even though they were not. XXXX reported Late Payment delinquency to the credit bureaus, and decided that it was not their fault. We think otherwise as it is XXXX XXXX error that caused this issue.
I just received yesterday 2 separate letters from experian credit reporting agency. I am uploading the letters. Experian states they will not re-investigate an account that is reporting on my credit report that does not belong on my report. I have submitted numerous disputes about this creditor. XXXX credit reporting agency finally has deleted this account off my credit report I dont know why experian and XXXX are not removing it but I am frustrated at the fact experian sends me these 2 letters with 2 different report numbers. It is my right to dispute any information that does not belong on my credit report that is incorrect.
I.C. Systems is reporting a medical collection that is not mine. We called them and they have no record of my name or address in there system, yet they are reporting to XXXX and XXXX the fact I owe this collection. The account number on my report is XXXX. This is preventing us from purchasing a home and we need to have them remove this item from our credit report. They have admitted they do not have us in the system, yet refuse to take ownership and have it removed.
This is my work number and they are calling this and my personal cell more than 5 times in an 8 hour period I have received calls as early as XXXX and after XXXX. They have also called my son and sister repeatedly as well as my landlord.
I was recently considered late on a payment ( payment was made just after XXXX on the due date ). The payment was made on the due date and the cut off is arbitrary for an online payment. I make all my payments online and Discover is the only company that imposes this. The second complaint is the amount of the late charge being excessive. The balance is {$1000.00} and my average monthly payment has been {$36.00}. The late charge alone was {$35.00} and doubled my most recent payment. Last, the 18 % interest rate is outrageous. I have good credit and my credit score is over XXXX. I can get a lower rate if I apply for a new card. I do n't want another card with Discover. I stopped using it when they changed a due without notification causing a late payment. They also sent the account to a collection agency even though it was not delinquent and never had been. It took months to be resolved. So NO WAY do I want to do business with Discover. 

What I want is the late charge reduced and the interest rate lowered.
Bank of America charged a {$25.00} " Advantage Monthly Maintenance Fee '' on the following dates : XXXX/XXXX/XXXX - {$25.00} XXXX/XXXX/XXXX - {$25.00} XXXX/XXXX/XXXX - {$25.00} The B of A refunded {$25.00}, but refuses to refund the remaining {$50.00}. 
I have had this account many years, and I 've always had completely free checking. I believe Bank of America should have contacted me before making these deductions from my account. Had I known that the bank was going to implement these maintenance fees, I could have combined my two checking accounts into one that would easily exceed the newly required minimum balance of {$5000.00}. Instead, I had no knowledge that these maintenance fees would be implemented and I never authorized these deductions. In my opinion, it is dishonest for Bank of America to operate in this manner.
Recently, I disputed a charge for XXXX XXXX during layover in XXXX, GA. I ordered food and signed for the food. However, I had to leave very quickly, as they changed when and where my flight would take off. I told them this and they said that they would refund my money. When they didn't refund my money as promised, I contacted Discover. Discover did not do their job under the FCBA and is still holding the charge on my account.
CRA in direct violation of fdcpa, fcra, state and federal laws concerning consumer credit report.
I requested for HARP two years back in XX/XX/2013 that time my home appraisal came for around $XXXX and i got HARP refinance. Almost 15 months back i requested for PMI removal but my bank Wells Fargo denied after doing and appraisal my my LTV was less than 80% which makes me eligible. Wells fargo bank wants me to pay them around $XXXX to get rid of $XXXX PMI. I contact XXXX who is backing my loan, they said Wells Fargo will do remove PMI as they are my servicer but Wells Fargo simply denied. Fannie Mae rep say according to my LTV i am eligible to remove PMI but Wells Fargo reps are very stubborn while they are only servicer. Please help me to remove my PMI.
This company has accessed my credit file with Equifax on XX/XX/XXXX and XX/XX/XXXX. I have written to the company to request documentation supporting their permissible purpose for this access, and have not had a response from them. I have also tried to resolve this issue with Equifax, but they refuse to investigate disputes as required by the Fair Credit Reporting Act. If they did, they would note that I have never filled out a credit application with the automobile dealer who sent information to this company on XX/XX/XXXX. Accordingly, without documentation to support permissible purpose, these inquiries should be removed from my credit file immediately.
I checked my Transunion report and it indicated that I had closed a secured credit card account with XXXX XXXX on XX/XX/XXXX. I have not applied for a secured card with them since XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX to inquire about when I had re-opened the account. The XXXX told me that no account had been opened and that she would send me a letter stating the account had been closed XX/XX/XXXX. Two weeks later I received the letter indicating that my account had been closed XX/XX/XXXX. Checked my credit report ; date account was closed changed from XX/XX/XXXX to XX/XX/XXXX. I called XXXX again and requested that they provide me with the original application after XX/XX/XXXX. XXXX informed there was no application and he would submit a dispute. I requested a dispute case number ; rep informed me there was none. Last week I received a letter XXXX indicating that my dispute had been denied. I called XXXX again and requested, once again, the original secureed credit card application. Rep informed me that there was no account opened and he did n't show any accounts closed after XX/XX/XXXX. Rep informed me he would mail out letter indicating account was closed XX/XX/XXXX. Rep stated he was unable to provide me with letter stating that no account was ever opened after XX/XX/XXXX. I requested a letter to submit to Transunion stating that XXXX system does not show any account closed on XX/XX/XXXX or XX/XX/XXXX ; Rep was not able to provide me with letter. Submitted dispute to Transunion XX/XX/XXXX after XXXX XXXX denied my dispute to remove supposed closed account on XX/XX/XXXX and XX/XX/XXXX.
On XX/XX/XXXX, I made a payment to Synchrony Bank for my XXXX XXXX Account. On my statement it indicates that I have a promotional purchase ending in less than 60 days. The promotional purchase was 0 % interest purchase, I tried to pay off the balance of the purchase to be told I can only pay out of my checking account and no other payment methods were accepted unless it was through XXXX XXXX. After making my payment of {$120.00} ( minimum payment due was {$100.00}, I was told that I can not apply my full payment to the promotional purchase set to expire in less than 60 days. Instead, {$76.00} dollars would be applied to my other promotional purchase that expires in XXXX and the remaining {$45.00} would be applied to my expiring promotion. I spoke that the representative to see why it was set up this way and I could not get an answer. So, I questioned the practice of Synchrony Bank splitting my payment and asked why a larger amount of money would go to the promotion that expires in 3 years and not to the promotion that expires in XXXX. 

As I was reading my bill, I noticed that I have been charged interest on a 0 % interest purchase and that I have been assessed a late fee on the purchase that was 60 months same as cash. I was unable to resolve this issue with Synchrony Bank and informed the manager that I would be filing this complaint due to questionable and unclear payment practices.
I recently received my updated credit report and there is a Collection agency named Convergent Outsourcing on my report trying to collect a debt. I discovered that in the state of Florida a collection agency must be licensed and bonded and it is against the law for them to do so. This company is not licensed in the state of Florida where I reside. I would like for this company to stop trying to cease this debt and also remove this collection from my report from all credit bureaus.