WillisBack/dataset-financial-user-claim huggingface dataset:
This collection agency by the name of XXXX XXXX XXXX currently has a debt under my name from XXXX XXXX. I called on XXXX2017 at XXXX to make a deal on paying this account in full and spoke to the Manager who did not reveal his name. I asked him if I had the option to pay this account online or via phone by making partial payments. He told me I did not have the option to pay the balance I owe online and that I had to make a one-time lump sum payment through the phone. I tried to reason with this agent and told him that I was only able to make partial payments towards paying off the balance but once again I was unsuccessful in coming to a convenient and reasonable payment arrangement. I ended the call by thanking him.
state tax refund was intercepted due to vehicle toll tickets for a vehicle i sold in XX/XX/2016, i provided collector with vehicle release of liabilty but they sent notice they did not have to refund my money
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Capital Credit & Collection Service , Inc .

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Re : Acct # XXXXXX To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXXXX, which you claim I owe {$870.00}.

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation.

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX SSN : XXXX Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
To Whom It May Concern, I just recently officially opened my new XXXX XXXX which focuses on XXXX XXXX XXXX XXXX. As sales started to pick up, paypal started to play with my money. First by wrongfully giving me a {$3000.00} release amount for the whole month of XXXX in the midst of my opening week and my first huge promo which completely messed up my business because clearly paypal does not understand that it costs money to ship, fulfill orders, advertise, eat, and pay bills. I understand it 's a common practice but I made sure to specify I was not going to be making small money in the set up process and paypal should have known and not given me that cap. After calling paypal to try to get to the bottom of this situation because I was getting mass orders and paypal was XXXX everything up by holding the money that was going to be used to ship the items out in a timely fashion.. Long story short I was told they were going to review and send me a release increase because my account seemed to be in great standings with no claims, or disputes as of X/X/2017. ( By the way ) If I have any disputes as of now while you 're reading this, it 's because orders have n't been able to ship due to paypal holding the required funds from me!! Absolutely trying to sink my business. <P/>Next thing I know, I 'm getting an email saying Paypal limited my account for " sales of replica XXXX and XXXX XXXX products and XXXX on XXXX XXXX XXXX/. '' Absolutely unbelievable. <P/>First of all I do not have any replica XXXX items on my store. There is nothing claiming to be XXXX on my website that is not real XXXX. Everything is clearly articulated in the description of the products. That 's what my website is about, appreciation for XXXX XXXX XXXX XXXX and all that, and my audience knows this, and they know what they are buying from us because we make it very clear. Secondly XXXX XXXX products? The only thing I could find in my products list was a pair of sunglasses that 1 ) was a test product ( used to design product page templates ) - hence why it was un-clickable and even said 'sold out ' 2 ) On top of not even being an accessible item in my store, the title even said 'Benz Inspired Sunglasses '. When does that mean it 's a XXXX XXXX product?. 3 ) those sunglasses have never once been sold on my store. It should not have even been visible in the first place. Thirdly, XXXX? Now this is where it gets absolutely ridiculous. The only things that could be XXXX related are the smoking accessories. Last time I checked there is no law stating smoking accessories can not be sold. There is nothing wrong with selling smoking accessories. I 'm not selling XXXX In fact, I have yet to even get a single sale out of the smoking accessories. There are absolutely no drugs on my site. I actually feel disrespected by that. Absolutely unbelievable to see that as a claim. With all that being said it is obvious this customer service representative clearly did not do there fair share of due diligence and actually check the product pages, and descriptions of products, but rather just skimmed through the site carelessly and came up with his ludicrous conclusions.
I received a letter from XXXX XXXXXXXX XXXX Representing Law Firm in XXXX, Texas and they are threatening to foreclose my home and throw me on the streets of XXXX, Texas with my XXXX Lifetime. The Law firm also want s to collect {$250000.00} and put a Lien through XXXX XXXX Courts. 
XXXX XXXXXXXX XXXX and its business partners XXXX XXXX XXXX XXXX, Texas, XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX are all in Fraud alledgations in stealing the Federal Veteran Administration around {$240000.00} on XXXX XXXX and now XXXX XXXX XXXX is trying to send me to court to collect {$250000.00} and put my home in Foreclosure to cover up on my VA Loan. 
VA Lender does n't care about our US Military Veterans and does n't care about our XXXX Citizens and Military Veterans. 
XXXX XXXX and XXXXXXXX XXXX representing Attorneys XXXX XXXX has started court procedures in Texas with a case # XXXX This why XXXX XXXX XXXX and XXXX XXXX XXXX has been doing since XXXX XXXX VA Loan Modifications in prolonging for time to Foreclose my home and collecting {$250000.00} I am XXXX Lifetime and Retired and Divorced and I live alone in my home since XXXX XXXX. 
There is a major Fraud with my VA Loan and purchase process that needs to be Investigated by Federal Government. 
XXXX XXXXXXXX XXXX, XXXX XXXX and Investors and Attorneys of XXXX XXXX knows about my Bankruptcy Chapter XXXX that was filed on XXXX XXXX and it was Discharged by Federal Judge in XXXX, Texas on XXXX XXXX. 
Is this how financial institutions treats our US Military Veterans and XXXX Citizens in America. 
I am contacting Journalist XXXX XXXX on my story to be televised Nationally and with XXXX.
I XXXX XXXX filed an possession complaint against XXXX  XXXX in 46th district   court a hearing held Wednesday. He produced what appeared to be fraudulent purchase agreement and closing papers. Lied for the second time and claim he never seen me until as he claims bought the house in XX/XX/2009and he do n't know XXXX XXXX the realtor of XXXX XXXX. Was accompanied with his true wife a old lady not his daughter XXXX XXXX listed on the deed. 
Do your chase research department show a credit sale of XXXX to XXXX XXXX to XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, oh by XXXX XXXX and his daughter XXXX XXXX XX/XX/2008, XXXX illegal immigrants?
Got a call from a collection company saying i owed over XXXX dollars on a credit card i have never had
MCM XXXX XXXX trying to collect wrong amount from me and my family. 
I owe the credit card company in XXXX was about about {$760.00} dollars. The original credit card bank keep add wrongfull charg, interst and an neccery fee for years which was wrong. That 's why I did stop payment. 
In XXXX midland file a circuit court in XXXX XXXX MD and judgment which I did not know.

Now they are claimed more than {$8000.00} dollars and they forze my family bank account and already took some money after seven years. 
I am XXXX XXXX and I have XXXX daughter and my wife is XXXX. In this busy time my bank froze and took my family money. 
MIDLAND should stop this an acceptable behavior and save my family from this danger.
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
The company is XXXX XXXX XXXX. I received phone calls from this company daily sometimes two or three times a day. I have called them back several times requesting information on the debt so I can verify its legitimacy. The company has refused to send me any information. On XX/XX/XXXX sometimes in the XXXX oclock hour, I received phone call from them. I returned a phone call and the person on phone transferred me to a young lady who called herself XXXX. Again requested information to verify that the company is a legitimate company and the debt is mine. XXXX stated that I just need to send money and paid the bill. I told her that I was not going to send money to a company whom I dont know. I again asked her to send me information to verify the company and the debt. She again refused and said I needed to pay {$1100.00}. I stated to her that I was not sending money to a company that I was not sure was even a legitimate company. I also told her that the fact that she was refusing to send me information made me believe that she was a scammer. That made her angry, she started yelling insults and called me broke. I hung the phone up in her face. I am a professional middle aged woman. I refused to be harassed by this company. If they had sent the information and I verified the company and the debt, I would have paid it, I believe this company is a scam. If not their conduct is very unprofessional. Please address this issue and I appreciate your time in the matter. Thank you.
I applied for this credit card, and was never taught anything about credit growing up, which is something I definitely feel should be taught in school. I lost my Mother when I was XXXX and my Father when I was XXXX. Now as a XXXX year old woman, I have found out that credit is extremely important and all I want to do is fix it and use the information I have used, by self teaching, to maintain my credit responsibly. 

When I got the card, my boyfriend was working and helped me pay my credit card bill. I used the credit card and paid my friends down payment on her car, and she failed to pay me the {$100.00} back. My boyfriend 's job started cutting back on hours and sending them home early, causing his checks to be extremely short. 

This account remains on my account although it has been closed and I would love for this matter to be resolved
I have sent numerous letters to the credit reporting agency. All I have received back is " verified '' and NO PROOF of what is being reported to my consumer file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the agency reporting disclose to me all of the documents that they have recorded and retained in their files at the time of this request concerning the accounts that they are reporting in my credit report. I have asked for them to " Please dont respond to my request by saying that these accounts have been verified ''. I have asked for them to send me copies of the documents that they have in their files that were used to verify the said accounts that I had disputes over. If they did not have any documentation in your files to verify the accuracy of these disputed accounts I asked them to please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). 

By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and creditworthiness. 

Today on XX/XX/XXXX, 2017 I made yet another call to this credit reporting agency. I was transferred to the supervisor named XXXX employee # XXXX who argued with me endlessly that Equifax is NOT required to follow federal reporting standards of completeness and COMPLIANCE or Metro 2 reporting laws. She explained that they may report ANY adverse information they would like, and they do not have the follow the Fair Credit Reporting Act, 15 U.S.C. 1681g or Section 611 ( a ) ( 5 ) ( A ) ( i ) and provide me with what I am requesting. She said they  refuse to delete the information that is being reported wrong and there is nothing she or Equifax will do further to assist me, my complaint or my request for documentation they are using to verify and report these accounts. 

I have kept very accurate records since XX/XX/XXXX of 2017 of all my complaints to this company, and if they are not compliant after this complaint I will be filing a lawsuit for a significant amount for, but not limited to, the following .... 

Defamation Negligent Enablement of Identity Fraud .Damage to my reputation and creditworthiness Violation of the Fair Debt Collection Practices Act ( including but not limited to 15 U.S.C. 1681g ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 611 ( a ) ( 5 ) ( A ) ( i ) ) I have been more than patient with this company as it has been over 6 months since my initial complaint.
Having obtained a Home Equitey Line of Credit from CitiBank in XXXX of XXXX, I ran the credit up to the limit quickly, and missed some payments, so credit was sealed. I made up the missing payments and have been paying interest plus {$100.00} - {$150.00} additional since then up to around XXXX of XXXX. At that time, having been laid off and out of work for about 1-1/2 years, I was unable to keep up payments. 

On XXXX XXXX of this year, I began discussions of how I might be able to modify payments to something I could handle. I entered into a " Hardship Treatment Process '' with CitiMortgage, and submitted a packet of documentation. Since that time, I 've had email and phone contacts with a rep for the process, and several times documentation was requested that I had just submitted. After contacting rep, was told " OK, that 's fine. I 'll let you know if we need anything else ''. Over the months I requested status updates several times and was informed " ... the file is currently being reviewed and nothing else is needed at this time '' or " it 's in process. when the underwriters have finished their review I 'll contact you. '' Then on XXXX XXXX, I received email notification from somebody at the bank saying that a new rep was assigned to me. I replied to that person and also forwarded email to the new rep, asking for update on status. I never rcd a reply from either one. 

Over past several months, I have been receiving continuous calls from CitiMortg. collections dept. During some of these calls, I learned that the new rep had allegedly tried to call me and never heard back from me. On further questioning, I found that he had been calling a phone that has been out of service for a year! ( Note that previous rep certainly had my correct ph # ). Today ( XXXX/XXXX/XXXX ) was the third time I reported this, and the third time I was told that they were correcting the contact information. I learned today that the file for me has become inactive, apparently due to missing documentation. I asked for them to send me an email with EXACTLY what was required, written down so there could be no mistake, but was told they could not do that - they 're not allowed to email. So I made a list of the documents required during the phone call and most, if not all, are documents I have already submitted. I was told that some sort of time period had been exceeded, so they need the same documents again ( and updated ones for income, etc ). 

At this point, I have an phone call appointment with the newest rep today at XXXX ( PST ), and will try to confirm document status and try to learn why this process seems to be going nowhere. 

FYI, I also understand that this Line of Equity lone, started in XXXX XXXX, will be amortized in XXXX of XXXX. I am beginning to wonder if this " Hardship Treatment Process '' is just an attempt to delay things until that happens.
Capital One sent an optout letter that I did n't received. I called the first cycle that the rate went up and they refused to do anything about it. Them my business got hit with storm XXXX causing me to lose 70 % of my income, for the past 2 years tried to get help from them and nothing, actually the opposite, they raised my rate. A bank taking advantage on a tragedy since I keep making payments but I 'm falling behind trying to avoid charge off, but C.One do n't care because they are still getting payments. The other XXXX banks I do business with got a program right away for me and almost done with the accounts. Chame on CAPITAL ONE!!!!
Equifax and XXXX XXXX XXXX , XXXX refuse to comply with the law and remove two incorrect medical entries from XXXX XXXX XXXX ( one for {$65.00}, XXXX for {$1000.00} ) that have wrongly plagued my account for years. Overall, the CRAs are consistently complicit with re-inserting and re-aging damaging and incorrect information ( which in this case, was covered by charity care and never even should have been put on my credit report ). Clearly, this info. gets sold from junk debtor to junk debtor despite my disputes and I'm sick of having to fight this year after year after year because the CRAs aren't doing their job. When I contact them directly, I get the runaround. They make it extremely difficult to resolve disputes, especially when all they do is take the word of the collection agencies, in this case, XXXX XXXX XXXX , XXXX, which last reported this old debt on XX/XX/2018. This is illegal.
I have submitted SEVERAL times to TransUnion that they are reporting inaccurate information on my Credit profile. The first was XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I pull my report every month on the XX/XX/XXXX. TransUnion is reporting a US Bankruptcy Court. Per the FCRA 623 ( a ) ( 5 ) : m " If ther Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove the said information from the consumer credit profile. '' The Bankruptcy Courts have also reviwed the Public Record section on TransUnion Credit Bureaus Report. As a result, the bankruptcy court gave me a letter wich emphhatically stated that they DO NOT provide any information to the credit reporting agencies, nor do they ever validate or confirm public records. The courts rep also informedf me that Public records information is NEVER validated by the U.S. court system due to the Fair Credit Reporting Agencey PRIVACY LAW. I have sent several letters to TransUnion regarding this matter and have only gotten back verified and I keep asking for them to CLARIFY how they can keep confirming something that is NOT MINE and I NEVER get an answer. Please help me correct this matter with this Bureau.
XXXX XXXX XXXX will call my cellphone 3 to 4 times a day. Monday thru Saturday. Once I even received a call on Sunday.
I receive a hard inquiry on my credit report almost every month from Chase Card and I do not own a Chase Card nor have I authorized them to access my credit report. I want them to stop checking my reports!!