WillisBack/dataset-financial-user-claim huggingface dataset:
I am in receipt of your companys letter informing me you are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between XXXX XXXX XXXX. and myself, XXXX XXXX which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation.

This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.

Your failure to respond and provide strict proof of contract will constitute your tactic agreement that XXXX XXXX XXXX XXXX XXXX are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General. 2. File a complaint with the FTC, 3. File a lawsuit against you in U.S. Courts for Harassment, fraud and invasion of privacy and attempt extortion.

You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist all collection effects and immediately remove my account from your office database. In the event you transfer this account to an attorney without providing proof of contract, he will be immediately reported the STATE BAR ASSOCIATION and the PROFESSIONAL LIABILITY FUND for code of ethics violations.

Please check the age date on this account. Look up DOLA ( Date of last activity ) and see the Statue of Limitations by Law makes this account unable to be collected. Please Cease and Desist all collection efforts and communications. You may inform me that this account has been removed from your office files and records as requested within the 30 days.
I cosigned for a XXXX loan for a friend of mine. She was unable to make payments since she recently moved and did not have a job. We called and set up payment arrangements to stop the debt from going to collection. She satisfactorily made the XXXX payment. XXXX payment was due on XXXX/XXXX/2015. On XXXX XXXX XXXX, rep ID XXXX contacted me directly, instead of calling my friend first and demanded that I pay before XXXX or I would be sent to a collection agency with derragotory marks and the full {$9000.00} would be immediatly due. I did not like the tone of her voice ... she was being very rude and demeaning. She would not let me explain the situation and she only concentrated on the debt, and paying the debt NOW!. At one point XXXX asked me if I was, " enebriated. '' I am completely awstruck at the level of service this company is providing. They treated me as just another debt and personally verbally abused me. We called back later and spoke to XXXX ext XXXX, she is a supervisor, and she adv that there is a 10 day grace period and paying on friday would be ok.
I try to dispute each C.B about removing all late payments because of consolidation to my student loans but thry wont update it. I dont want the loans removed but to update the late payments to all current.
XXXX XXXX2016 a debt collection in the amount of {$530.00} was added on my credit report by the collection agency Receivables Performance. I have sent in 2 debt validation letters requesting they send me the original signed contract I have with them to validate the debt they have sent letters saying the debt was validating but I'm not provided the information as to how?.
A Cashier Check of {$8900.00} was written to XXXX XXXX XXXX XXXX XXXX College on date of XX/XX/18. It was the amount own to the college. I looked at my credit and saw that I had a debt of {$10000.00}. I then immediately double checked with my parents and they confirmed it was paid.
Dear Sir/Madam Experian will not allow me to freeze my personal credit online. XXXX and XXXX allow the process to be done online but not Experian. They request police report and other documents. as a consumer I should be able to freeze my credit online with no problems. can you please assist me in this matter?
thank you
Chase closed my checking account without reason, checking account ending in XXXX. After series of fraud alerts. Also listed a false dispute that could be used as a bases for closing the account. There appears to be a order of thinking that has gained ahold in the banking industry that seeks to control its clients. To hinder Creativity in finance is to hinder financial growth. It appears that creativity has appeared amongst the less fortune thus stagnating the minds of the fortune.Thur my research a number of banks are using the same tacit. The error was in giving the banks the stimtulus package. It should have been given to the people the banks would have ended up with it anyway and everybody would have been happy..
For the past year, I have been attempting to have Citibank update the status of XXXX loans they previously held. These loans were disbursed to me in XXXX, when i was a student XXXX XXXX XXXX XXXX in XXXX, NC. These loans defaulted in XXXX, after I graduated XXXX and had a very hard time finding a job. At the time, I was barely making enough to pay my rent, utilities, and buy food. These loans transferred to XXXX other lenders. 
During XXXX and XXXX, I completed rehabilitation programs for all of my defaulted student loans. I also paid off XXXX of the loans that was previously owned by Citibank. I did so with the guidance of an advisor at a local credit counseling nonprofit. She suggested I reach out to Citibank after completing all rehabilitations, to request that the status of these loans be updated to paid on my credit report. Both lenders ( XXXX Funds and XXXX XXXX XXXX XXXX XXXX updated the status of loans on my credit report. However, after many requests and promises to update my loan status, Citibank has not done so. 
I started by calling last fall and speaking to a representative. They assured me that If I obtained letters from XXXX Funds and the XXXX XXXX XXXX XXXX, Citibank would update my credit report status to paid and rehabilitated. I mailed these documents in XXXX XXXX, and received a reply from Citibank in XXXX XXXX indicating that they received my request and would update my account with all XXXX credit agencies. Nothing happened. 
I called and then sent another request by mail in XXXX XXXX. I got another reply that the status of my old loans would be updated, but still nothing happened. Since then, I have talked to several Citibank representatives who gave me false hope. These loans both have a delinquent status on my credit report. 
I have consolidated all of my remaining student loans under the servicer XXXX. These Citibank loans are the only negative mark on my credit report. They are listed as last late 5.1 years ago. I 've tried so hard to repair the damage I did to my credit and financial future by letting my student loans default. My fiance and I are hoping to buy our first home this year, but we are waiting for my credit to improve. I would be so grateful if Citibank would remove the negative status of these accounts. We do n't want to wait two more years for these loans to disappear from my credit report before we can move forward with our financial goals. I would greatly appreciate any help with this matter. I 'm attaching all of the mailed correspondences between Citibank and myself. 

Thank you!
This is my second complaint submitted on this property regarding Ocwen Loan Servicing. Please refer to XXXX attachments that provide a history of my experience. This is my second attempt having requested a Deed in Lieu on my property at XXXX XXXX XXXX XXXX in XXXX, NY. Despite weekly calls since XXXX 2015, this process is still not resolved. On my call today with Ocwen, I was informed by my relationship manager, XXXX XXXX, that my Deed in Lieu was denied due to the property evaluation being ordered but not completed because of lack of access to the property. I do not live in this property and have not had access to this property for almost four years. Ocwen 's Property Preservation Program is the only entity that has access and it was noted several times in my case file for the evaluator to contact them for access. The process has been stalled numerous times over the past several months due to things such as Ocwen not paying their attorneys fees and its relevant departments and contractors not communicating with each other. I was told that I was in the final stages of my Deed in Lieu process being complete until today. Now I am being told that I may have to start the process all over again through circumstances completely beyond my control. I need someone to review all case notes on this file through Ocwen and assist me with bringing this four year process to a close.
On XXXX XXXX, XXXX I noticed that my credit card limits had been decreased. My XXXX XXXX XXXX Chase Credit Card ending in XXXX went from a {$7000.00} limit down to {$3500.00} limit. Also, my Chase Slate credit card went from a {$3000.00} limit down to {$1500.00}. In years past the more money I spent on the credit cards the more Chase would increase my limits. More specifically I have a Chase Sapphire credit card which started off with a {$5000.00} limit and is now at a {$13000.00} limit which is Max to capacity. It seemed every six months Chase would increase the limit on the Sapphire card as long as I was spending and kept a balance on the card. Because I maxed the Chase Sapphire credit card out I was trying to be more budget conscious and responsible with the other cards. So, when I would use it I would pay it off. And now it seems because of this I am being punished and impacted negatively with the decreasing of my limits. I am also paying an extremely high minimum payment for the Sapphire card and interest rate. I contacted Chase on XXXX XXXX, XXXX to discuss why my credit limits had been decreased as I have not received a notice or even a phone call regarding the change. I was told the change was made due to many factors in my credit reporting history and a negative reports within the past 36 months On my account however, as I stated in years past the limits had always been increased as long as I was spending and keeping a balance on the cards. I strongly feel that this is not a fair practice as it will negatively impact my credit score which I am trying to repair and maintain. Moreover, when I reached out to Chase on numerous occasions regarding some form of assistance on getting the Sapphire card lowered I was basically told that I dont meet the requirements for any options for any of their programs but they did provide me with the consumer credit agency information.
On XXXX XXXX, 2018, I initiated a wire transfer of {$4500.00} from XXXX XXXX XXXX to Coinbase Inc. ( XXXX XXXX XXXX ). BoA says this transfer was successful on XX/XX/XXXX. Coinbase Inc. has not credited the money to my account. After an initial, automated response to my inquiry I have received no response concerning my money.
This company ( WFDS ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$24000.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
XXXX XXXX used predatory practices when I was XXXX to get me to sign loan papers for loans that I did not understand. During years in forbearance while attending school they harassed me on the phone. Once I graduated they have continued to harass me calling me XXXX times a day. I have had hard financial times since graduating, and they will not work out payments with me.
Contacted by Resurgent Capital Services via Mail regarding a XXXX Debt to XXXX via XXXX XXXX account. Debt is outside Statute of limitations for debt collection for NY State and I was already sued in XXXX and WON against a prior junk debtor affiliated with Resurgent, LVNV Funding. LVNV could not establish chain of custody and was not the original debtor. Also was outside of SOL so the case was dismissed. 

It seems they are trying to take another bite at the apple and the letter states that " court rules require that you tell the court that the SOL has expired to prevent the creditor from obtaining a judgement ''. So I have to spend time and money to write a letter on something that was already dismissed but since the debt was sold to a partner of LVNV they can again try to do this to me? It seems there are really no protections for customers.
AllianceOne Receivables, are having my checks garnished at 25 %, on old parking tickets. Parking tickets are from XXXX to XXXX. I have written the courts in XXXX XXXX XXXX XXXX XXXX XXXX Washington once before. The Judge already told the collection agency about the " Statue Of Limitation ''. So the attorney agreed upon recent debt. However, again XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. Does their own Writ of Garnishment For Continuing Lien on Earnings. 

AllianceOne is charging me over 200 % interest or more for parking tickets from {$25.00} to {$40.00} dollars, which the ticket 's are now {$280.00} dollars. 

I believe this is unfair practice and taking advantage of having the freedom to garnish my wages. 

I am ask that CFPB investigate the unfair practice of this Collection Agency that has put a lot of interest on parking tickets and has went pass the Statue of Limitation for collecting on old debt and leaving me in collection with even older debts. 

The attorney 's that Allianceone has representing them is writing their own Writ of Garnishment and taking advantage of filing on unfair debt. 

Thank you,
Equifax on XXXX/XXXX/2016 provided a FICO score of XXXX to XXXX. The reason codes for the score were high balances and ratio of balances to credit limits. My balances at the time of the report were less than 5 % of my credit limit, I pay all my revolving off in full each month and have XXXX delinquencies. On XXXX/XXXX/2016 I pulled my credit report and paid {$7.00} for my credit score. Equifax reported a score of XXXX. There were XXXX discrepancies on my report, both addresses at which I never resided which were promptly removed. I have asked Equifax to explain the wide difference and they just say it can happen. How they will not explain. I want a factual discussion of why the XXXX scores differ line by line and why they say in their reason codes that I have high balances.
I had an account with XXXX XXXX. In XXXX 2014, the account was closed because I moved. Later, they sent me a refund check in the approximate amount of XXXX. I never heard from them after that. Recently, I received a collection notice from XXXX XXXX XXXX. I then contacted XXXX during the validation notice period and paid the account in full. I was told the account would NOT result in a negative entry on my credit report. Several weeks later, XXXX reported the collection account. I contacted them and explained that the account was paid, provided them with proof of payment, and was told the entry would be deleted. As a back up, I filed a dispute with Equifax , including the proof of payment with the dispute. Equifax said they verified that the entry was being reported correctly, in spite of proof of payment supplied to them. 
XXXX XXXX, XXXX, and Equifax are responsible for an entry on my credit report that has severely lowered my credit score. In spite of direct verified proof that the entry is inaccurate, and in spite of repeated attempts by me to resolve and remove the entry, they refuse to delete the inaccurate entry, and I have been damaged.
I inquired with the company about a debt on my credit report on XX/XX/2018. They responded to complaint with one set of papers trying to say the account for the rental property was mine, when at the time I lived in another state and was working a XXXX XXXX job for 18 years at the XXXX XXXX XXXX I was living in to show I also have proof that I did not get the rental. I asked the company to show me ID used they could not produce one. They have sent me 2 different sets of paperwork.
I received a letter today from XXXX. The letter states that they put a fraud alert on my report. Now I repeatedly have sent them my XXXX license, My Notary License and my Pistol Permit. Also utility bills. Now I am a snowbird. I own a house XXXX and XXXX. I live XXXX from XXXX to XXXX. I am retired and cant take the cold weather. I purchased a car a bed set and XXXX XXXX while here. I also have XXXX cars reg XXXX. I did not ask for an alert to go on my account. They refuse to even talk to me. Excuse me if they kept there records straight and asked the creditors to verify the info they put on a record I would not be writing to you now. They will not give a phone number where you can talk to someone either. I am XXXX pay my bills and sick of trying to straighten this out.
Hi, I need help Please : I need to have a meeting with you to talk about the physical damage that has come to us due to incorrect reporting by the company credit report. 
Thanks
I have  XXXX   XXXX   XXXX  on my credit report for  XXXX  on my credit report from 3 years ago.  XXXX   XXXX ,  2014.I never heard of them or have any idea what this is regarding.
I was notified by my loan officer on XXXX/XXXX/15 that Equifax reported ( XXXX ) collection items from XXXX. I immediately opened a dispute with Equifax on XX/XX/XXXX. I learned that in XXXX 2015, XXXX XXXX XXXX ( XXXX ), posted ( XXXX ) collection items on my credit report on behalf of XXXX. Equifax provided the phone # to XXXX. The XXXX rep looked up the reference # s XXXX & XXXX and quickly recognized that these were in someone else 's name, not my address and not my social security #. She then indicated they would process the dispute and notify the credit bureaus and XXXX. I need to have this removed from credit report immediately. The XXXX rep stated that XXXX would have sent the erroneous info to XXXX with my name and address. XXXX does not look up anyone 's address/contact info. I have no accts with XXXX so I do n't see this as a glitch in their billing system. I have no idea how XXXX got my name. I 've never had a comcast account and have no idea why they would link XXXX XXXX 's accounts to me. I 've tried to get someone at XXXX to address this and after numerous waits and transfers between collections, billing, etc. they will only refer me to a website to complete a form that I then have to get notarized and send to them. Absolutely ridiculous. It is clear that these are not my accounts and the burden of proof ( and hopefully law ) should require XXXX to rectify this immediately. There must be some regulation around tagging fraudulent information to an individual. It 's clear there are some unscrupulous practices occurring at XXXX. How they tied my name/address to this person 's deliquent accounts should be investigated. Also their practice to require the consumer to complete a fraud report and get it notarized is an inconvienence that I as the victimized consumer should not have to endure. This issue is impacting my ability to secure a loan for a significant financial transaction which will cause me a financial hardship if not completed. This has placed a blemish on my credit history despite the fact that it will eventually be removed. I will seek damages if this inaccurate information causes me to lose this financial opportunity for which the loan is for. Someone needs to investigate to determine if this is a widespread practice at XXXX.
I set up payments on my loan through my bank, XXXX. My monthly payments started on XX/XX/XXXX, and continued to be sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Although the amount due was only {$40.00} each month, I 've been paying {$100.00}. Heartland ECSI, my student loan provider, processed the first two payments correctly, but claim not to have received the last two. I 've provided them documentation from XXXX, confirming the payments, but they have n't been able to resolve the issue over the last two weeks. I feel like they are dragging their feet on a resolution. I am now making a payment of {$88.00} to bring my account current, but no one seems to know where the {$200.00} has gone. It is my preference to continue paying through Bill Pay, as I pay all of my bills that way.
Navient forces you to become delinquent before they will offer any lower payment arrangements. This has ruined my credit. Instead of an income based payment, they demand a payment that is always much higher than I have left over from paying bills ( bills=food, rent, electric, water, gas, medical ). Also, they claim that they are only charging me 1 % interest while on the repayment program but my balance never goes down. Also, Navient uses scare tactics to threaten you into accepting their final offer for a lower payment that I really ca n't afford to pay. In order to make payments to them I have to put food and gas and utility bills on my credit card and I am forced to always pay my bills late because I feel forces to agree to pay Navients high pay back plan. Navient also reported me XXXX late to the credit bureau before I was 90 days late. In fact my last payment to them was on auto-pay that they took out on XXXX/XXXX/16 and then on XXXX/XXXX/16 ( five days later ) they reported me as late. I found a house to buy not long ago, and the mortgage would have been less than I was paying for rent ( a lot less ) and I could not buy it because of my Navient school loans. The house cost XXXX and the lender told me if it was not for my student loans that I could have bought the house. I am providing for my wife, XXXX daughters and my Mom. My Mom is dealing with a lot of health issues. My income provides for a family of XXXX. Please help.
First off, the money is not lost or stolen. It was damaged and I possess what is left - about 75 % - enough to read the amount, who it should have been paid to, my address, most of my signature, the routing and numbers on the bottom, and where I purchased it from. 

The money order I purchased to pay my rent was returned to me by the US Postal Service with an apology for damaging my mail. I took my purchase receipt, the money order receipt ( bottom portion ) plus what was left of the money order and the USPS enveloped back to the place where I purchased it but they were unable to replace it. I called the Western Union customer service number and spoke to XXXX who proceeded to inform me that I needed to fill out the back of the money order receipt, include {$15.00} payable to them in a personal check and then wait 60 days. Why? I do n't want a refund. I want them to take the damaged money order I paid cash for and replace it. I do n't want a stop payment. I do n't have 60 days to wait and my landlord wo n't wait. Today, I have accrued {$80.00} in late fees. To say I 'm on a budget would be an understatement on a grand scale. 

XXXX put me on hold while he went and found his supervisor. Then when he 'found ' his supervisor and transferred the call, well I waited on hold for 30 minutes before hanging up. 

Bottom line here, Western Union was paid for a service with cash. They are now collecting interest by withholding my funds and want another {$15.00}. Not acceptable by any means.
i was notified that XXXX made an inquiry into my credit report. 

the credit report proves that XXXX made the inquiry and thereby obtained personal private confidential information. 

i never requested an inquiry from XXXX there is no reason for XXXX to make an inquiry. 

all of my debts were discharged in a XX/XX/2014 bankruptcy. since then i have NOT applied for credit or made any other request of XXXX therefore XXXX has obtained personal private confidential information illegally.