WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX  's client  XXXX   XXXX  is an identity theft victim. Several fraudulent applications for credit cards were submitted to various credit providers with his information without his consent. We have attempted to dispute the fraudulent inquiries from his credit report however  XXXX  has proven difficult and is currently in violation of federal consumer law and his rights.  Capital One  has been notified twice in writing of the fraudulent application and inquiry made into  XXXX   XXXX  's credit however Capital One is now advising they will not remove the inquiry even though a police report naming Capital One was provided to them. In addition  Capital One  has sent information to our client explaining to they searched their records for an account number and found no such information, when our dispute criteria clearly listed we were disputing an inquiry not an account.
THIS COMPANY ILLEGALLY TOOK WAGE GARNISHMENTS FROM ME. I WAS GIVEN A CREDIT CARD WORTH XXXXDOLLARS AND I ONLY USED XXXXDOLLARS. HOWEVER THIS COLLECTION AGENCY SUED ME FOR THE VALUE OF THE CARD AND A ADDITIONAL XXXXDOLLARS A TOTAL OF XXXXDOLLARS. I NEED YOUR HELP BECAUSE THEY LIED ABOUT THE DEBT. I NEVER USED THAT MUCH MONEY AND WHEN I TRIED TO TELL THEM THAT THEY DID NOT CARE I AM MAILING YOU ALL OF THE PROOF AND ALL OF THE LETTERS I WROTE TO FIND HELP NOBODY HELPED ME AND I AM POOR. I COULD BARLEY FEED MY FAMILY AND THEY HAVE RUINED MY CREDIT AND HAVE CAUSE ME SUCH GREAT SICKNESS OVER THE YEARS. I AM TIRED OF THESE PEOPLE STEALING MY LITTLE BIT OF MONEY PLEASE HELP THANK YOU SO MUCH
This item was previously disputed thru credit karma and removed. Now it is with another collection agency and I never heard of them nor did they send me notification of the placement prior to reporting to my credit report. Proper notification must be made prior to placing on my CB info. I request for this to be deleted due to failure to notify me. I dispute this debt being listed. Per the fair credit reporting act, I must be notified of the account prior to placement and also if I request validation it must be sent. Remove this item from my CB.
PRS collection agency purchased my debt from XXXX. My debt with XXXX was resolved with a settlement years ago between XX/XX/XXXX and XX/XX/XXXX. PRS purchased my debt from XXXX XX/XX/XXXX which they are calling me on my cell phone and my relatives regarding a debt I do not owe. Not to mention the statue of limitations on this debt has expired. So they are illegally collecting on debt that is unrecoverable. I have called them, and I filed a complaint with XXXX and they still contact me and my relatives. Before I take legal action I would like to make one final attempt by contacting your office. If you can recommend an attorney I would greatly appreciate it.
I was called on my cell phone four times asking for payment for my Kohl 's charge which was discharged in bankruptcy XX/XX/2015. I had referred them to my attorney, yet I am still receiving phone calls asking for payment.
I received a collection notice from Transworld systems Inc. the notice stated the XXXX XXXX XXXX and XXXX XXXX had previously contacted me to request payment. I have not received any previous contact, but most importantly I have not been anyplace north of XXXX Ga in the XXXX XXXX XXXX the tag cited is on or any other vehicle I own. The XXXX XXXX cited has over 266000 miles broken AC, and is only used for short trips locally. XXXX XXXX XXXX XXXX claims they have a black & white photo of my car and tag, the lady I talked to said it was a dark colored car, My car is Sandstone beige and in a color photo it  shows as bright silver or light tan, an this tag has been on this car since I purchased it in XX/XX/XXXX. 
Since I have not been any place North or XXXX XXXX in XXXX Ga I know without a doubt that I have not been on any XXXX XXXX XXXX XXXX. I have disputed this charge with the XXXX XXXX XXXX XXXX and requested a copy of the photo of the tag with the same no. as mine, and made photos of the rear of my car and its tag to provide to them. 
On date in question I was in the office of Real Estate Attorney XXXX XXXX from shortly before XXXX until between XXXX and XXXX went home and did not leave XXXX area for the rest of the day.
I wrote the  XXXX   Credit Burrows 50 ti mes sending them  XXXX  forms of ID that no bank will Verify m e two open a new account and the Credit Burrow docent respond or sends a Credi t Report so fore about a Year and half i have not been able  two Open a New Ba nk account all respond wee cant verify you.     Now I cant get a new credit card or bank account because there is and extend ed Alert i n my banking file and Im suppose d two call some Number  and call the Bank.   I have written all  XXXX   Credit Burrows two  remove the Hold on my account so i can G et a New Ba nk account.     The Federal Government determined me  XXXX  and my Mom Walked into   XXXX   XXXX   XXXX   forged my Signature and stole  XXXX  dollars from me.     Then i had  XXXX  dollars in Fraud and close d   XXXX      XXXX   XXXX   XXXX   XXXX  Accounts   XXXX   XXXX    XXXX  did n't close the accounts with Fraud i complaine d two    XXXX   XXXX   XXXX   XXXX  then sent  XXXX  of my ATM cards  two and   Address not mine and   XXXX   XXXX   XXXX   worker stole  XXXX  dollars from me. I have been in court 8 years against  XXXX   XXXX  and   XXXX   XXXX   XXXX   XXXX  only 100 % respond its imposabl e two Comprehend .      Im  a Refugee living in  XXXX  and  have two move two a  new country every 3 months so I do n't use a Phone because they only work in  XXXX  country so i would ha ve two  Spend  XXXX  Dollars a yea r two D eal with the  Credit Reporting agen cy wants the ban k two call   me two open a  new bank Account.   The Federal Government has determined me  XXXX  i do n't use a Phone do  two  My  XXXX  and please accommodate my  XXXX  and help me open a New bank account without a Phone. I can Send the bank  XXXX  forms of id buy Email and electronically transf er Money two Verify Myself.        XXXX   XXXX   XXXX   XXXX  Robs me  XXXX  dollars then i cant open a new account in 2 years is discriminatory, Please take the Hold off my Account so i can get a master Card.       I live in  XXXX  the  XXXX   XXXX   XXXX   XXXX   XXXX  of the world and do n't wa nt two send    XXXX  forms of Id threw the mail that takes a month and the credit Burrow wont wan t two R ight me Back in  XXXX  there is very little working mail.       Send the  Credit b urrow  XXXX  forms of I D 50 ti mes and they will only respond send ID
XXXX XXXX XXXX or XXXX is a third-party collection agency specializing in student loan debt. XXXX has received many complaints from consumers alleging violations of the Fair Debt Collections Practices Act ( FDCPA ) such as using inappropriate communication tactics and making threats. 

XXXX violations that include illegal disclosure of information, failure to verify debts, improper communication tactics, and making threats. 

XXXXs failure to establish recurring authorization of electronic funds transfer before payments are taken from bank accounts violates the EFTA. A second charge attempted to establish XXXXs liability for violating the FDCPAs provisions against unfair or unconscionable means to collect or attempt to collect any debt. 

debt collector attempts to collect more than you allowed for settlements debt collectors attempt to intimidate you Criminal accusations are being made Use of obscene language during an attempt to collect such as cursing Automated robocalls are being made to your phone in an attempt to collect without prior consent for dialer calls to cell phone. 

Phone messages are not being returned in 24 hours.
XXXX XXXX has reported a 30 day late payment forXX/XX/XXXX on my credit report. The account is always due on the XXXX of the month and I 've paid it every time since opening the card in XXXX. As usual I entered a payment online before the XX/XX/XXXX due date using XXXX XXXX 's website. I believe the system had an error and did not process my payment. I was unaware until I saw the late payment on my credit report. It was a small payment and I always pay at least the amount due. The limit on this card is {$500.00}. My name is XXXX XXXX.
I filed a complaint about not being allowed to stay in my hotel room XXXX night while in XXXX, XXXX. I was clear that I was allowed to stay the other nights, but the final night I had to get another hotel because the security guard would not allow me to enter. I have repeatedly provided information about this to Capital One. They came back and said that I did check in to the hotel. I did, but was not allowed to stay XXXX of the nights. XXXX, the partial refund request XXXX the hotel refused XXXX. 

Once again, Capital One is asking for this same information. Their own contract says I am protected against services not being provided, but instead of doing that they are deliberately making me provide the same information repeatedly and trying to wear me down. I am tired of this. I just want the partial credit. They keep deliberately messing this up and confounding the information. 

Even when I told them to cancel the account because I am sick of this XXXX they refused!!! How can they refused to close my account? It just baffles me that they act this way. Where are my protections?
This concerns XXXX XXXX aka Pennsylvania Higher Education Assistance Agency ( PHEAA ) I am concerned my loan payments are not being applied properly for XXXX XXXX XXXX XXXX. I have been paying off my loans since XX/XX/XXXX  primarily under income based repayment, however, there have been  short periods of time I paid the full amount each month. At that time, I was actively seeing employment in the private sector and anticipated leaving public service so I wanted to begin paying the full amount. I remained in my public sector position, though, and the period of time I paid under Standard Repayment was less than a year. Out of the 8+ years I have been paying my loans, I would say 3/4 of them were made under a income based plan. 
When I began paying off my loans in XX/XX/XXXX there was no paperwork or forms associated with XXXX, but I completed the employment certification form later on. I have worked for the same employer ( a government agency ) since XX/XX/XXXX so there is very little confusion as to the status of my public service employment. 
I was switched from XXXX to XXXX XXXX a few months ago. 
I was checking on my payment numbers on XX/XX/XXXX and feel they are inaccurate, as they only reflect a fraction of the payments I have made over the past 8 years. I called customer service and was informed ONLY payments made under an income driven plan " count ''. It clearly states the following on the XXXX website and I quoted this to the customer service agent : " NOTE : Payments you make under a 10-year Standard Repayment Plan or under any other XXXX XXXX XXXX repayment plan with payments that are at least equal to what you would have been required to pay under the 10-year XXXX XXXX plan also count toward PSLF. However, you must switch to an Income-Driven Repayment ( IDR ) plan, such as XXXX, XXXX, XXXX, or XXXX, to benefit from XXXX. Otherwise, you would have no remaining loan balance to be forgiven after making 120 payments. '' ( Rest assured, I have plenty of balance still left ). 

The customer service rep continued to dispute the information I was reading to her from the website. Customer service told me I can have my payments reviewed, but this process will take 6-8 months. This is completely unacceptable. I then filed a complaint with the XXXX XXXX office for XXXX and received an automated email stating an " expedited '' review of the case would be completed. There was no timeframe given for follow up or resolution. It is now 6 weeks later and I have received no further information from XXXX. 

Given the threats by " our '' : political leaders to end to the XXXX   program, I am making every effort to ensure my issues and difficulties are clearly documented.
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 ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call 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.
I have contacted both Carrington Mortgage and XXXX XXXX XXXX several times over the last months asking for the date of first delinquency to be fixed on my reports. The most recent contacts to both companies were by phone on XX/XX/XXXX, by phone on XX/XX/XXXX, by email/fax on XX/XX/XXXX and through disputes with XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have not updated the date as of yet. 

The date of first delinquency that is showing on all 3 credit bureaus : XXXX, XXXX and XXXX. The delinquency shown is XXXX of XXXX but the date of first delinquency was XXXX of XXXX. The mortgage loan was originally owned and serviced by XXXX XXXX XXXX. It was then transferred to Carrington Mortgage and finally to XXXX XXXX XXXX. Per FCRA 605 & 623, when a debt is sold and was delinquent, the date of first delinquency is to be reported as the original creditors date of first delinquency. In the case of this account, the account went delinquent with XXXX  XXXX XXXX in XX/XX/XXXX. As it was never brought current, the date of first delinquency is XX/XX/XXXX. 

You will see in the XXXX XXXX  Report the XXXX XXXX XXXX Information ( bottom of page 4, top of page 5 ) the account history for XXXX  XXXX XXXX and the information that is was transferred. Bottom of page 5 to top of page 6 shows the incomplete Carrington history. Carrington received the loan in XXXX XXXX but did not report until XX/XX/XXXX until XXXX XXXX. XXXX received the loan in XX/XX/XXXX-XX/XX/XXXX. 
The 2 were the follow-up letters that I submitted after the CBA disputes were not updated properly. 

The XX/XX/XXXX XX/XX/XXXX Document shows that the XX/XX/XXXXXXXX XXXX account has been removed due to the 7 year rule but both Carrington and XXXX are still on the report ( pg 11 & pg 16 )
In XXXX of 2015, i went on line to apply for a loan. I put in all my personal information for the loan. Before finalizing it showed my interest would be somewhere between XXXX and XXXX percent, so i declined. Within days I received letters from National Credit Adjusters saying i took out three loans on the same day for the amount {$520.00}, {$520.00} and {$650.00}. The letter said they were representing XXXX XXXX with the original creditor being XXXX XXXX. All this happened within days. It was clear when I received the letters this was a scam. ( They reported to credit bureau the loan was opened on XX/XX/2015 and I received a collection notice XX/XX/2015. ) After several attempts in XX/XX/2015 calling the number on the letters and getting a voicemail, I finally reached someone. The representative that answered would not hear what I had to say and told me that I processed a loan_and hung up. This has been on my credit report for over two years. But I refuse to pay a debt i don't owe. National Credit Adjusters will not_ because they can not_ produce anything to show there was money sent to me. I have researched this company and found its happened to others.
ERC : XXXX, XXXX. XXXX  XXXX, XXXX, FL XXXX in XXXX this item appeared on my credit report ( ALL 3 ) stating I owed ERC a collection company, over {$700.00} for XXXX. It took me several attempts, and multiple disputes, as this was not my account. They finally deleted this incorrect information from my credit reports in XXXX. On XX/XX/XXXX I received a notice stating I owe XXXX {$770.00} and it has been placed with ERC for collection efforts, and has been authorized to report this debt to credit reporting agencies. Why is this nightmare re-surfacing??? It took me nearly 3 years to dispute, and resolve and have deleted and now they are trying to re-submit?? I feel this is a threat. And they are trying to get money out of anyone that will respond. This is NOT my account.
XX/XX/XXXX I received a phone call from a family member stating that someone called and said that their had been a petition complaint filed against me and that they had documents for me to appear in court and that I needed to call XXXX. And speak with XXXX XXXX who made claims of taking me to court and that he would red flag my license plate and contact the sheriff and the district attorney in my city for them to deal with me. so I call the number and find out it is for a medical bill and as I after being extorted and threatened tried to set up some sort of arrangement to get the bill taken care of wich I have not received since they had an old address I had no clue of this outstanding bill I also tried to negotiate a payment plan wich was declined by the collector and he stated that he would need my checking account or debit card information before he ould do anything ... .wich I find fishy he stated that if I mailed a check I would have to pay more and I would have to pay the full amount in TWO PAYMENTS wich is not an option for me at the moment the collector then asked me for my phone number wich i declined to give since i had his contact information I dont want them calling me ... the collector then said he was done talking and he would be contacting county officials and he would red flag my license plate and have the sheriff serve me
Made a payment of {$250.00} for the month this morning logged out with 1 confirmation number. That is 1 confirmation number. 

This evening get emailed that 2 payments of {$250.00} are coming out with 2 confirmation numbers. 

I have 1. 

I call they are taking {$500.00} out of my checking and my bank will do nothing to stop it either. 

When I said well it has not even started to clear yet cancel one of them oh we cant. Well I never NEVER authorized it so how can you even run it. 

They are taking {$250.00} and then another {$250.00}. I just had to put off paying other bills I was gon na pay until I am paid again in a few weeks over this now ... ..
I owed this debt which I have paid after they offered a settlement. After the amounts was paid and check cleared I have still been receiving phone calls. I called them twice and spoke to XXXX different people which XXXX have said the account was taken care of and a letter will be sent out to confirm the debt has been settled. I have not received that letter yet, credit reported not yet updated, and the calls still keep coming in. The XXXX people I 've spoken to said the calls should stop, but they have not and they do not know why.
I received a " settlement opportunity '' letter from Enhanced Recovery Company, LLC dated XXXX XXXX. I had already disputed this same debt ( as it is not mine ) in writing last year. They first put the collection on my credit report on XXXX XXXX. They completely ignored my first letter asking them to validate the debt. I asked for proof that it was mine, not just a name and an old account number. They did not send me proof, and instead proceeded to put it on my credit report without further contact with me, and then sent another letter on XX/XX/XXXX. Since they refuse to send me anything other than an invoice asking for payment, I believe they should not be allowed to put anything on my credit report. I monitor my credit very closely and do not appreciate having to spend time writing letters to companies who buy bad paper and hope to threaten me with bad credit in order to get paid. Almost anyone can put something on my credit report these days, without any proof shown to me or the credit bureaus. After several attempts in writing to get some proof, it is still on my credit report. I would like you to step in and help resolve the issue.