WillisBack/dataset-financial-user-claim huggingface dataset:
Portfolio Recovery is trying to collect a debt that the bank has discharged and set off to the united states treasury, I dont know how they acquired this information but it IS NOT A DEBT, its only information, Now I say to portfolio Recovery, show me the debt that I owe with tangible proof!! show me the original instrument of indebtedness, in its original form, or show me a valid contract proving my obligation to perform!! I 'm not your customer I 'm not your member and I 'm not your contractee, and I 'm not your consumer get the XXXX out of my life before I call a lawyer and start legal action immediately!!!! THE BANKS DISCHARGE ALL DEBTS TO THE UNITED STATES TREASURY!!! so what kind of XXXX are you trying to pull?? how much did you pay for your information?? 31 U.S. Code 3123 - Payment of obligations and interest on the public debt Current through Pub. L. 114-38. ( See Public Laws for the current Congress. ) US Code Notes Authorities ( CFR ) prev | next ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons. ( c ) ( 1 ) The Secretary may issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The Secretary may dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section 3102 ( b ) ( d ) of this title. ( 2 ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that may be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of the exchange value on the date of issue of the bonds, notes, or certificates as published by the Secretary under section 5151 of this title.
( 3 ) The Secretary may designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency may be deposited.
( XXXX XXXX XXXX, XXXX XXXX, 1982, XXXX XXXX XXXX. )
Keep getting collection letters for NY XXXX magazine I never ever had or subscribed to.. by collector called XXXX XXXX XXXX XXXX " NORTH SHORE AGENCY '' - XXXX. When you call there is no answer, just " click here to pay '' ..
Dear XXXX, Transunion And XXXX, XXXX, I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the FTC website, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Please review all proof of identity. 

Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX  XXXX XXXXI dont recall being late. 
XXXX XXXX XXXXThis is reporting inaccurate. 
XXXX XXXX XXXX XXXX XXXXHOW DID YOU VERIFY THIS AND THEY ARE NOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!!!! 
XXXX XXXX XXXX XXXX XXXX LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!! 
XXXX XXXX XXXX XXXX XXXXI dont recall being late. 
XXXX XXXX XXXX XXXXInaccurate. Did not respond to my debt validation letter. 


XXXX, The Following accounts are listed under Medical!!! I 've reached out to these companies to provide me with a medical release form or to remove these accounts. They failed to respond. I am demanding XXXX to remove the following accounts because it is a violation of my hippa rights and the creditor failed to respond # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Please get back to me.
An individual authorized to speak on behalf of the consumer contacted the company on XX/XX/2017 after discovering their claim against the consumer during a regular check of the consumers bureau credit reports ; the company had never attempted to contact the consumer previously. During that initial contact, formal request was made for validation of the debt. After a month without any further contact, including validation, from the company, complaints were filed in late XX/XX/XXXX with the three major credit bureaus. The company responded to several of those complaints, claiming that the debt was valid. A subsequent claim was filed against the company by the CFPB and responded to by the company, who again alleged the validity of the debt. However, because validation of the debt was requested, the companys reports to the CFPB and to the credit bureaus which allege the debts validity are illegal due to the companys failure to provide validation of the debt. This continued reporting of the unverified debt constitutes hostile and malicious attempts to damage the consumers credit.
A few years ago I opened FREE checking account in Bank Of America, in XXXX, Oregon. I had to follow few simply rules as not using teller services, only ATM, and I pad no fees. Few weeks ago I have noticed that while still following rules I agreed, I was being charged {$12.00} per month fee for having this account. 
I called, I visited in person and was told that type of free account I opened do not exist anymore. I closed my " free '' checking account immediately. 
Bank of America used " bait and switch '' tactics in order to trick a lot of consumers, I supposed, into paying monthly fees. 
I have no idea for how many months I was paying $ XXXX monthly fee without my knowledge, but I am quite sure I ma not the only one who was tricked by BofA ( in Oregon at least ). In my opinion switching free account into $ XXXX monthly fee account was purposely designed trick. More than receiving paid fees, I would to ask to investigate BofA banking practices and I offer to provide more information and comments if needed.
Bank of America is reporting me as suspected fraud on XXXX and XXXX XXXX because of that I am unable to open a checking account. I have been trying to open an account because in two years I would like to try and buy a house. That negative remark stays on your account for seven years. I wrote a letter to the Office of The President if they could stop reporting this. I was transferred to a department and the customer service rep was condescending and rude. I tried to explain my situation. I do not owe the bank any money, whatever I did wrong it was paid so they should stop reporting it.
On or aroundXX/XX/XXXX I pulled a copy of my credit report after I disputed XXXX XXXX  in which it was removed from my credit report. On or close to XX/XX/XXXX XXXX XXXX  was added back on to my report and the credit bureau has failed to send me any notice of this change within XXXX days like the law states. I am aware that in accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion or, if authorized by the consumer for that purpose by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your XXXX disregard for the law.
They are saying I'm XXXX behind on payments. I use to pay XXXX a month and now my payments went up to XXXX. I recently had to hire an attorney to help me get in contact with someone from the company, because they refuse to call back or answer letters. I told them I can only afford XXXX a month if they made it go up told me it wouldn't be a problem. Here it is 5 months later, and now on my credit report they say I haven't paid but take my XXXX $ check every month! I just want to resolve the problem, and get this fixed my credit is the only thing hurting!
I signed up for a Chase IHG Rewards Club Select Credit Card which offering a free night on any hotels worldwide ( unrestricted ) after each account anniversary year. However, I just received notice from Chase in XX/XX/XXXX that the free reward night will be limited to redemption values of XXXX or fewer points. 
I signed up XX/XX/XXXX and won't get to use an unrestricted night even once, even though that's what was advertised when I signed up for the credit card.
On XX/XX/2018 someone made a purchase at XXXX using my account information, some how they got my pin number. I've had the same pin number for years and have never wrote it down. When I first made the claim the person i made the claim with said some must have gotten my card information from a scammer and generated a pin number. The person also made a balance inquiry at a non Chase atm using a pin number. When I inquired about why they denied the claim Chase said it was because a pin was used. I contacted XXXX and they said the person tried to use another card first but it was declined, then they used my account information and pin and the transaction went through. When I explained this to chase they said that this didn't matter. I've never been to the XXXX where my account information was used or the atm where the balance inquires were made. So both Chase and XXXX claim there's nothing they can do. Neither is willing to investigate further.
Bought a XXXX XXXX van from XXXX XXXX XXXX. The van was defective- kept breaking down. Had radiator fluid in the transmission ( This is an impossible thing to fix, as I have read ). I GAVE BACK THE VAN. ( it 's been branded as 'repossession ' ) I told them WHY we were giving back the van- it was unusable, it was dangerous, since it had a propensity for breaking down in the middle of the street with no warning, IT WAS UNrepairable. Credit Acceptance took back the van, was told about it- and expects to be paid for the *loan*. Basically, they took back merchandise, resold it, and still expect money for it. They are currently trying to take me to court ... 

I call that stealing.
additional info pertaining to active claim with ftc I have asked Transunion for copies of my original signed documentation of file to verify each of the accounts that I have listed that this info is mine and is correct per the fcra I have a right to asked the credit reporting agency for. they have stated that they have verified that the info is correct. I have asked them to send me copies and also who did they speak to and they have fail to comply with my demand this is a federal law that all consumers have the right to asked the reporting agencies for this is the law I have attached a copy of the section XXXX act per the FCRA TRANSUION IS IN VIOLATION OF THE US LAW..
I have qualified for a {$400.00} bonus on my account but have not been credited for that amount.
I filed a dispute about some charges on my debit card with chase bank XX/XX/2016. the unauthorized transactions were XX/XX/2016 through XX/XX/2016. I had contacted the merchant in XXXX 2016 regarding the first transactions and told me they were going to do an investgation. Some more transactions were charged in XX/XX/XXXX to which i followed up with the merchant about the XX/XX/XXXX transactions and about the XX/XX/XXXX transactions, to which they said the had 60 days to resolve the issue and give a refund. At that point I called CHASE BANK ( the issuer ) to get help on this matter, to which they told me to call the claim with the merchant, and if that did not work to call them again to initiate the investigation with the merchant. Again in XX/XX/XXXX other transactions were charged to the card, and followed up again with the merchant as per CHASE had instructed me. The charges stopped at that point, but my money was never refunded as the had promised. Therefore, I called Case in may to file the disputes, allowing me to do it and had told me that they were to refund the money while the conducted the investigation. The send me a form to fill out electronically, and I filled out completelly and returned to them within 2 days. CHASE never credited any money back to my account and said the would not give me my money back period. This happened in less than 3 days of filling the dispute. An investigation with the merchant never happened. I had done more than they did. At least I did a 3 month investigation, making me think that Chase would not conduct the investigations on fraud cases for their customers. I called the merchant again in XXXX 2016, and they deny any disputes. I went to my chase branch in person to ask to reopen the case on XXXX XXXX, 2016 and as of this moment nothing has been credited back to my account. Here is a summary of the unauthorized transactions : {$98.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$58.00} on XXXX/XXXX/2016, {$70.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, for a total of {$1000.00}, merchant name : XXXX
EQUIFAX XXXX  AND XXXX  IS REPORTING IN WORNG INFORMATION ON MY CREDIT REPORT.
My student loans have been with Navient a.k.a XXXX since XX/XX/XXXX, When I graduated in XX/XX/XXXX, I was told by a representative that I was not allowed to consolidate my loans, do an income-based repayment plan, apply for a forbearance or deferment, or lower the interest on my accounts. Over the past 7+ years, my loans have more than doubled. Going from {$47000.00} ( the original borrowed amount ) to {$97000.00} ( according to the amount posted on their site. ) When I spoke to the representative during that time, I was told that my monthly payment would be almost {$600.00} and I told them that I had only made about {$XXXX} working part time at XXXX XXXX. 
Now, my credit report is severely damaged as each loan is broken down as individual loans and not a consolidated loan.
I transferred a balance to a Capital One credit card as part of a 0 % promotional interest rate. I want to stay on top of the promo offer and pay off the loan/balance before it starts to accrue interest. Unlike other issuers, Capital One does not make it easy to find the end date for the promo offer. It is not located on their monthly statements or anywhere on the online account center. I had to start an online chat with a Capital One representative to find out this information and they were very unhelpful.
My name is XXXX XXXX. 
I have a mortgage with Wells Fargo, I fell behind in my Mortgage and I sent them in XXXX to catch up, they sent it back to me with XXXX added onto it and said that if I could not pay this they would file foreclosure. since this time they have had some contact with me. but little. my real estate agent and I decided to put it up for short sale, weeks ago. my house is scheduled for forclosure XX/XX/2015. We have called them and have sent them everything they had requested in sufficient time. They will not return phone calls not even emails. and everytime they call they seem to add XXXX more thing that they need. I feel this is bad business. if you need names I can supply them.
The USAA FEDERAL SAVINGS BK policy requires adverse reporting to credit bureaus for seven years for accounts which have been PAID IN FULL following placement into profit and loss status. USAA is taking advantage of protection provided by a FCRA that does n't exist. FCRA Section 1681c relating to Accounts placed for collection or charged to profit and loss does not directly or specifically include accounts charged to profit and loss which have a CURRENT PAID IN FULL status. The law clearly states Accounts placed for collection or charged to profit and loss WITHOUT specifying reporting of accounts which have a PAID IN FULL status following a charge to profit and loss. I do not believe the INTENT of this FCRA law is to penalize a debtor who has PAID HIS DEBT IN FULL AT ANY TIME. Continued adverse reporting to credit bureaus penalizes the consumer AFTER he has paid his account IN FULL. Additionally, as a result of the lack of inclusion of accounts which are paid in full status under FCRA, USAA has no right to maintain and adversely report information which the government has deemed nonexistent and not covered under this law.
OneMain Financial called my place of business after being notified by mail to not contact me by phone what so ever.
First of all this has been going on for well over a year and a half now. I have filed previous reports, and the responses that are received from JPMORGAN Chase are proof as evidence of the company not willing to assist in any resolution. In my last complaint to them, i had advised JP Morgan Chase that i am a victim of identity theft, my wallet was stolen previously well over a year ago. I did call in to report it to the banks fraud department. As a result there were four bank accounts opened in my name two checking and two savings accounts. These were not authorized. I never lived at the address they had on file, XXXX XXXX XXXX XXXX TX XXXX. Yet even when providing them with proof of such evidence that i am a victim of identity theft they refuse to care. Also they put in their last response a copy of an email that was sent from my email when it was hacked. I had to go through actual postal service, get my address re changed due to the fraud person moving my address mail. As well as get my email address back after finding this out. I did not open any XXXX Credit card with you, I did not sign any fraud letters. I did not use these credit cards. I also did not open these checking or savings accounts with your financial institution. Once again i do not care what previous response you have provided or that you are wishing to not respond any further. I did not write any emails to your executive office. That is not my email, and i did not provide you with any information other than my current address. Which it seems per your customer service rep you now stuck internally for these fraudulent bank accounts and credit cards too. This is crazy. You treat victims with abuse.
Citi 's online form for transferring funds to my bank account consistently reports that the system is unavailable. Calls to Citi customer service result in requests for a transfer request via fax, which are consistently rejected due to " incomplete information '' but the agents are unable to say what information was lacking.
I have been getting the run around from Transunion regarding inquiries. Transunion has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done after they made a public statement regarding this issue. I called their customer service number XXXX close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Transunion a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. These are the 3 inquires are : Openend Credit XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
I had a nanny and chose to take out taxes from her check. As the result of an error. Duplicate tax/employer numbers were created. When the problem was recognized, they released the lien in 2006. This is still showing up as a series derogatory item on my tax report and has impacted my credit score which has impacted the type of mortgage I recently go, and have to pay PMI. Since 2006 I have purchased several homes, so obviously, there is no lien. I have reported to Experian and never heard back. I have attached the lien.
Greentree has continued to attempt to collect a debt which was : * discharged debt according to credit report and no longer have right to continue to harass past borrower and continue collection efforts* they received asset and sold asset as full satisfaction of debt* MN Attorney General ruled they acted wrongfully and Greentree paid settlement to me for wrongful actions* Mn Attorney General obtained a signed a settlement and they need to discontinue any further collection efforts
Contacted this agency to resolve a debt that i had with best buy, I had called in to get an acct number and an address to where to send the payment, she wanted to know my whole history as to why i did not pay, when i will pay? I told her i just needed the acct number and address to send payments to for now, and that the reason i called. She just continued to ask, how much are you going to send and why were you not able to pay, and I kept telling here, i only need the address and acct number, she finally got to giving me that info but rudely just blurted the acct number and address so fast, assuming I am a speed writer, to which i told her that i wanted to speak to her manager .XXXX the manger who i should say was trying to be professional but was on some power trip trying to prove him self right by saying his rep was ok in how her dimenour was in bluurting out the acct and address, further telling me that his agent assumed that i was a speed writer. These agency 's really need to be held to a high standard, in life tings happen, people lose jobs etc and agency 's like this really look down on people, is my perspective. XXXX did say he was going to get with their compliance team within the organization but we all know where that is going ..