WillisBack/dataset-financial-user-claim huggingface dataset:
Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; XXXX XXXX balance sheet ( XXXX # XXXX XXXX, XXXX, XXXX ), XXXX XXXX report, XXXX registration statement, XXXX prospectus, XXXX & XXXX XXXX schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt,
My credit report on closed accounts shows Sync/JCP which this account was opened in 1997 and closed per my request but on my credit reports it shows closed due to inactive. I closed this account years ago with no balance. False credit reporting. This account is also older than 7 years. Please remove account from report.
Since last XXXX of 2017, I have asked credit bureaus to verify and eliminate from my credit report the following accounts that I mention below which do not belong to me. Modifications of mixed names have not yet been corrected. Request to validate these debts that indicate they belong to me without positive reply
On XX/XX/2018, my debit card was in my wallet at work with me. However, XXXX transactions at a XXXX XXXX in a town XXXX minutes from me, for a total amount of slightly less than {$830.00} went through on my account. Obviously they were not me considering I was at work. I filed a fraud case with Chase Bank. I was given provisional credit that day ; however, XXXX weeks later the charges were reversed. I called in and asked for information on the reversal. They stated that because it was a pin based transaction on a chip card that they had to deny the claim. I requested that the claim be reopened and I submitted documentation from my boss that I was at work at the time of those transactions occurring along with a written statement that I did not conduct those transactions. They denied my claim for a second time following the reopen. I again called in and requested to speak to a XXXX. I got XXXX in their escalation team of which ended up being helpful. She reopened the case due to the fact that it was reported that I stated the XXXX transactions were correct. She submitted the " new '' information after listening to the initial phone call. Yet, it was still denied. They are asking me to reach out to XXXX XXXX to get information on who conducted the transaction and what it consisted of, despite the fact that, that is their job. It has been an entire month since this first occurred and I still do not have my money back and they are still refusing to help me in the slightest.
On XX/XX/2017, I went to XXXX XXXX to purchase a car. I had a open check from XXXX XXXX XXXX XXXX for {$30000.00}. However, the finance guy asked if he could get me more money for a lower interest rate. I filled out an application for XXXX XXXX   only and asked that be the only bank my credit be ran. The finance guy came bank an told me a ridiculous amount and I purchase XXXX XXXX XXXX with my bank check. 

About two weeks later, I started receiving letters from about 9 banks why I was denied credit. When I took my car for regular maintenance I asked why they ran my credit for all these other banks and he could not answer only apologized. I never gave XXXX permission to run my credit for 9 different banks and messed up my credit.
I had a loan through Flagstar bank and I tried to do a loan modification XX/XX/XXXX and XX/XX/XXXX. I had a credit score that should have qualified me for loan modifications per government regulations at the time but the Flagstar Rep told me they look at " other things '' too and that I did not qualify. They told me my only avenue for saving my home was to " stop '' making payments on my home and let it fall into foreclosure and I can apply for loan modification that way. I gave them everything they asked for ( bills, bank statements, Profit and Loss statements, tax returns, etc ) It was everything. I was told to fax it to them and I did. Over and over and over again. When I called to check on anything I got a live person XXXX out of every XXXX times I called. I kept getting letters saying we need more information but I would call and they said " no we got everything but send it again with updated versions ''. I must have done this at least 10 times and I never ever got a legitimate answer or resolution. Then the trustee sale happened and I was notified to leave the home immediately. I did everything they asked for over a year sending every last document they asked for several times over and over and never got an answer or resolution from Flagstar. The bank forced me into stop making payments by saying they ca n't do anything until I miss XXXX payments. They did not modify my loan even though at the time my credit score was over the minimum required by the government HARP program. Then they took my home that I had for nearly 20 years. I see they are part of a class action suit how do I become a part of that? What is my best course of action? Appreciate your help.
On XX/XX/XXXX, a dispute was initiated with Experian Credit reporting agency and XXXX CRA regarding a collection that appeared on my credit report from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I explained to the representative that I have been a victim of identity theft. This company excessively reports to the agency over 4 times within the past 15 days. The information reported has not been accuarately verified by Experian. On XXXX XXXX XXXX, I spoke with Representative XXXX from Experian, she is unable to provide the details of who from XXXX XXXX XXXX XXXX verified the account represented. I was not provided with the full name or spelling, address on the account. She states " we '' Experian send the information that is on the credit report electronically, and the company responds back regarding accuracy, electronically. I asked to speak with a manager, XXXX said " that is not going to happen. ". I believe the account is being reported inaccurately and unverifiable.
Hello, Capital One called me on the XX/XX/XXXX of the month telling me my credit card payment was going to be late 30 days if I didn't pay them. I paid them right away over the phone and my debit account was deducted right away. However, Capital One is now showing I have a late payment ( for 30 days ) for the month of XX/XX/XXXX. How can that be if I paid on the XX/XX/XXXX?

Im closing on my house purchase on the XX/XX/XXXX and because of this late pay, I now dont qualify. 
I have called Capital One numerous times and they tell me they can not send me any letter stating It was a mistake on their part and I have to wait until my credit updates. My mortgage lender just repulled my credit and its still reporting as late. 
I need this XX/XX/XXXX day late to be removed right away so i can close on my house. 
Please help.
" " '' I have disputed this Charge Off on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
XXXX  has taken or cleaned out all of my funds from my Chase Checking account since, XX/XX/2019. I discovered these multiple, unauthorized 36 transactions on my chase checking account from XXXX in CA of XXXX   text. I contacted Chase Bank Representatives and told them about my unauthorized charges. The Chase Bank Representative looked into the unauthorized charges on my checking account and transferred me to the Claims Department. The Chase Claims Department Specialist filed a claims against XXXX  XXXX. The Chase Claims Department Specialist closed my current chase credit card and put in another new chase credit card to be delivered expeditely. I explained to the Chase Bank Representatives that I never made any purchase nor charge anything with XXXX  on XX/XX/2019. Chase Bank allowed XXXX XXXX to take all of my funds from my chase checking account, which is unethical.
I received an email for 0 % interest on balance transfers for 18 months with my capital one venture one credit card. I filled out info and did the transfer in XX/XX/XXXX but when i received my XX/XX/XXXX statement i was charged 16 % interest. I called the customer service line on XX/XX/XXXX and was told that it should be no interest on the next statement but for this billing cycle i have to pay the interest charge even though its supposed to be 0 %.
Both XXXX and XXXX have several inaccuracies in their reports -- they are either still showing accounts that have been fully paid off or accounts that have considerably lower balances that what is reflected in their reports. The accounts that I am disputing are : Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Actually several things have happened. In XX/XX/XXXX, a report was filed on my credit report that I was 30-60 days late in a payment. However, a couple of weeks before the payment was due, I called them, Synchrony Financial, and told them I was expecting a paycheck to come after the due date and I needed to ask for an extension on the due date. I got no written confirmation, however they said they understood. I paid a couple of weeks late and few weeks later, the complaint showed up on my credit report, causing a pretty big drop in my score. <P/>This past XX/XX/XXXX, I made a payment for the month of XXXX. On XXXX XXXX, I went back and made a payment for XXXX. This month ( XXXX ), I logged in to make my payment and lo and behold, they are charging me for two months with a late fee. <P/>The final straw, I uncovered while noticing the late fee. The products ( furniture, half of which that fell apart and they offered no recourse or refund at the store ), had just passed the time for no-interest accrual this month. At an insane 28 % interest rate, and about {$1600.00} left on the balance, the interest charge should have been an astronomical amount of {$440.00}. However, they charged me {$900.00}!
Date XX/XX/XXXX Consumer Bureau : XXXX CFPB Case # : XXXX Original Creditor : XXXX XXXX XXXX, Closed Dear Credit Bureau Transunion, Dear Credit Bureau, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise I have been fighting a case of identity theft case # XXXX As a result of these reckless and intentional acts, I have suffered and continue to suffer general and specific damages please be reminded too that the Fair Credit Reporting Act provides that when disputed debt items can not be supported by evidence, then such items should not appear on my credit report. Moreover, when such debt items remain unverified after 30 days, then inaccurate information on my credit report should be removed. Your responses in writing claim to have " verified '' the debt information that I have challenged. However, the law requires more in the case of an identity theft. You asking alleged creditors to match numbers on the computer is not verification in my case. An identity thief used my information without my knowledge and/or authorization hence, those numbers will match up. Simply stated, your action in this matter is not sufficient. 

XXXX XXXX XXXX are the same company I have received letter from them stating that they have did their part and that your company Transunion have not removed the negative item I have fax police report to show my identity was compromised the account was closed to. they sent me a letter saying that they had forward the removal of that Item from my credit and also advise me that Transunion is refusing to removed they item as now I am very disappointed from your company even do you guys was in the news for practicing the same method I am not here to fight any major company I have the proved needed I just need you guys to do your part of following the law in removed this Item in my credit I also attached the police report. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Background : I am an XXXX XXXX XXXX XXXX, I was a former XXXX Customer from XXXX to XXXX when I received XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). Due to the length of the assignment ( 36 months ), I contacted XXXX  in XX/XX/XXXX and provided them with a copy of my XXXX XXXX assigning me overseas and asked for them to close my account without penalty according to the law which they agreed to do so. Fast forward to summer XXXX after finally returning from my overseas assignment ( XX/XX/XXXX ),  while reviewing my credit report with XXXX, I found out that sprint had referred my account to a collection agency for a debt of {$720.00} said to have been occurred in XXXX. The collection Agency then referred my account to the credit bureau for collection. I immediately lunch a dispute with XXXX  File # XXXX and provided all available documentation. I won the dispute and had the collection removed from my credit report. Issue : Today XX/XX/XXXX, while checking my annual free credit reports with XXXX, I saw another collection this time from a different collection agency DIVERSIFIED CONSULTANT but it is the same XXXX account XXXX ( $ {$720.00} ) posted last month. I recall a representative from this company harassing me over the phone trying to have me pay this debt after giving them a background to the situation they threatened to report me to the credit bureau and sure enough, they did. I have initiated a similar Dispute with XXXX  ( pending adjudication ).
Around XXXX XXXX I started sending in required documents to XXXX XXXX of Fairway Mortgage company after our offer was accepted on our new home. We usually sent him everything he requested within a few hours each time. Later in the process we started asking if they had a close date in mind since the house I was renting now had a contract on it and they would be closing XXXX XXXX, we had to close before them. From the very beginning we asked for XXXX XXXX and constantly reminded them XXXX XXXX was rapidly approaching. We were never told XXXX XXXX was impossible. XXXX XXXX I 'd put a comment on a social media about how they are not keeping us updated on the progress of our loan and keeping us in the dark. A friend had recently closed with them and it was a great and fast experience. She gave me a few names from corporate headquarters to call for help, which I did. They corporate people were shocked and the lack of information they could obtain on our loan, they were trying to help expedite it because XXXX XXXX was the following week. I was told that the particular branch of Fairway I 'd chosen was having personnel problems and some loan officers had left and one was on medical leave so all of the loans had to be routed to corporate for processing. We checked with these ladies almost every day and did n't end up closing until XXXX XXXX and even up to the day before at XXXX pm, XXXX Mortgage was asking for paperwork proving my boyfriend had paid a boat off with one credit union and the other credit union used the funds to pay off such boat! Bottom line we did n't close until XXXX XXXX, had to hire movers ( {$750.00} worth ) to move us because we did n't close until XXXX and the house we were moving out of closed the next day, so we had only hours to get our belongings out of the house. The XXXX and hard spots this company put us through was a nightmare. We were kept in the dark through the whole long process and Fairway was made aware from the beginning that the house we were occupying had a contract on it and we had to close and vacate prior to their closing date of XXXX XXXX. Worse house buying experience I 've EVER had.
I have asked Experian to remove hard inquiries on my credit report that I did not authorize or have business with. Experian replied that they were verified. The following requests for hard inquiries were not authorized by me and I would like them removed. XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX fund. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX.
I feel Navient was negligent in processing the renewal of my repayment plan because despite my checking the box on the " Income-Driven Repayment Plan Request '' for " ( Recommended ) I want my loan holder to place me on the plan with the lowest monthly payment '' in both XXXX and XXXX, they did not put me on the REPAYE. Instead they kept me on the IBR plan which I later discovered was about {$200.00} more per month. ( I would like to note that their form was very confusing though I felt marking that box would make my intent very clear ). Twice during these years I called to discuss my payments because I was having difficult making them and was steered toward making a request for a forebearance though neither time when I spoke with Navient did they advise me of a lower payment plan. Both my forebearances were approved. Finally in XXXX when I renewed my plan - and only because of an error on their part - I called to question the error and XXXX, a representative questioned why I was not on the lower payment plan ( REPAYE ) and helped me get on it. I have written the company with no adequate response to my complaint. I estimate I am owed from XX/XX/XXXX to XX/XX/XXXX for overpayments. Thank you.
I. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX sent me a letter stating they had been retained by Discover Bank, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 
II. I responded. In that letter, I asked, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received. 
III. I also pulled down my credit report and saw that this debt had been charged off. 
IV. I was served with a lawsuit on XXXX/XXXX/2016 by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX regarding this matter. 
ISSUE : This firm stated they were retained by Discover Bank. That claim is patently false, since the debt was charged off. If Insert Original Lender was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 
The statements made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has extended this fraud into court.
A formal notice was requested for validation of debt in accordance with the Fair Debt Collection Practices Act, 11 U.S.C 1692g. A dispute was filed in the XXXX credit bureau, Midland Funding LLC reported they have investigated and validated the debt. I have contacted this company several times, and they have not been able to provide me with a true copy to validate debt. Every attempt I have made to obtain the requested documents have failed.