WillisBack/dataset-financial-user-claim huggingface dataset:
I joined the military in XX/XX/2015, at that time I had to have my braces removed early due to my military orders. The original creditor agreed to remove the braces early and terminate the remaining payments on the contract. I do not owe the original creditor. Since that time the current debt collection company continues to report a debt of {$1700.00} on my credit report. This is false information that I would like reported from my credit report immediately. I am prepared to provide proof of military service, if necessary.
The collection company LVNV Funding, LLC on behalf of XXXX XXXX XXXX. is trying to collect a debt that I do not owe. The amount they claim is {$16000.00} from XXXX 2017. I send letters to LVNV Funding,  LLC asking them to verify this debt and they could n't verify it. They still report this collection account as mine to credit bureaus.
This company has been reported as removed and with in the week the same account was placed back without contacting me and not properly reporting account that I have no knowledge of. For this account to be removed from my report and sent back to the original creditor for the account. As for this is a account that I have no knowledge of. 
That they cease all collection efforts and be removed from my report because I 'm planning to apply for [ a mortgage/auto loan/etc. ], and it 's come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it does n't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely to be removed. 
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
Regardless of my tone, I want to say thank you and let you all know that I appreciate you all 's willingness to listen, observe, and correct this matter : As an authorized representative, natural person, beneficial owner, and first lien holder of XXXX-XXXX, XXXX XXXX estate d/b/a XXXX XXXX XXXX-XXXX with a perfected security interest on the birth certificate of XXXX-XXXX, XXXX XXXX, I attempted to conduct business with CARVANA. 

However, CARVANA 's policy forces consumers to use a drivers license for purchase. It seems crazy that this would bother me ; but : the problem is that under the common law, the right to travel is an unalienable right ; and as a natural person, I offered them my right to travel card in place of a driver 's license, which expresses : " The Right to Travel ; The Right to Mode of Conveyance ; The Right to Locomotion are all absolute rights, and the police [ policy enforcers ] can not make void the exercise of rights. State v. XXXX, 60 s. 778, 779, and 781 '' I am using the car as a mode of conveyance for private matters. 

In addition, I offered their legal department my national I.D . pursuant to Title 18 U.S.C. subsection 1028. My National I.D., from an aboriginal government, takes preferential priority over birth certificates and driver 's licences, which are corporate identifications. 

Hear me out : As a XXXX American National, with constitutionally protected rights ; I am entitled to my liberty under the common law ; and CARVANA is in breach of the public trust and international law as it pertains to my rights as a natural, living person. 

Here are the exact breaches : 1. CARVANA 's policy is in breach of Article II of the State of Iowa 's Constitution of XXXX. The state of which my corporation was incorporated in. 
2. CARVANA 's policy is also in breach of the Organic Constitution of XXXX ratified in XXXX. 
3. CARVANA 's policy is in breach of International law pursuant to the United Nation 's Declaration on the Rights of XXXX People, which acknowledges our own forms of identification and the right to self-determination. 
4. CARVANA and it's corporate workers are currently in commercial dishonor as it pertains to the Treaty of Peace and Friendship of XXXX, which allows their foreign workers to conduct commerce here in America. 

Furthermore, I do not consent to the XXXX of my rights. I am not obliged to produce a driver 's license. I also have the proper documentation to live securely with the full faith and credit of the United States of America ; and the UNITED STATES is obligated to secure the common law interests of the people protected by the constitution. 

No matter how many times our constitution was ratified, dissolved, neglected, and abused : First in time, first in right. 

Now : As trustees, I am placing the burden on you all to fix this matter with not only the STATE OF IOWA, but also CARVANA. I'll save the DOT for later. Trust me, this is not only in the best interest of myself, but also all Americans who don't know that they're being abused! I was once ignorant too!
On    XXXX   XXXX   2017 I mad e a purchase thru the Chase Shopping Portal for a subscription to the   XXXX   XXXX   XXXX  . Please See attachments ; Statement ( pg 3 ), and   XXXX   XXXX   Receipt. The bonus points on the portal showed +1000/ {$1.00}. As shown with all purchases thru the Chase Portal this is  XXXX  bonus points per {$1.00}. Please see attachments ;   XXXX   XXXX   home subsrcip, and   XXXX   XXXX   UR portal. I have made other purchases thru the portal and they have all been " + ( points ) / ( per dollar ).
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I contacted Chase to confirm purchase thru the shopping portal and to let them know I did not see the bonus points pending. They confirmed they say the charge and to wait 45 days to see the bonus points post. See attachment ; Secure message center 1. On    XXXX   XXXX   2017 I  again confirmed the purchase for {$370.00} and was told again to wait till 45 days had passed since the purchase, See attachment ; Secure message center 2.
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On    XXXX   XXXX   2017 I   contacted Chase to let them know the 45 days have passed and have still not seen the bonus points, they confirmed they would review the concern. Please see attachment ; Secure message center 3. I received a response on   XX/XX/XXXX  stat ing they have added  XXXX  points for the bonus. Please see attachment ; Secure message center 4. I responded and confirmed the attachments of the screen shots of the portal showed  XXXX  bonus points per {$1.00} spent. Chase then replied that it is only  XXXX  bonus points in total. See attachment, Secure message center 5.
<P/ > On   XXXX   XXXX   2017 I re sponded to Chase and explained that it clearly shows  XXXX  points per {$1.00} as the bonus. I included the attachments of the screen shots again showing that their website shows +1000/ {$1.00} and explained that just like the other offers they show, it is  XXXX  bonus points per dollar. I explained I felt this was a bait and switch, and an unfair and deceptive act and practice. Please see attachments, secure message center 6 and   XXXX   XXXX   UR portal. Chase stated they would forward the concern and respond in two business days.
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On    XXXX   XXXX   2017 I  sent a message to chase informing them 4 business days had passed and would like a response. They replied they would send my concern the the relevant department. See attachment ; secure message center 7.
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On     XXXX   XXXX   2017   I sent a message to chase informing them that is has now been over a week and explained again that I felt it was an unfair and deceptive act, and a bait and switch and requested an answer in a reasonable time, even though I felt a reasonable time had already passed. They responded they would forward my concern to the relevant department. See attachment ; secure message center 8.
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On    XXXX   XXXX   2017 I   received a response stating they would only honor  XXXX  bonus points in total. See attachment ; secure message center 9. I have not responded to this message since it has become clear to me that chase will not honor what they have advertised on their shopping portal.
This is the fourth time this has happened. Navient/XXXX was paid electronically by my bank the full balance including the days interest to conclude the Stafford loan. Instead they were silent and revealed weeks later that I owed some amount less than a dollar. In this latest case it was XXXX cents! This wastes my time and money. When I called up to ask about it they said we do n't have that information without about a week of talking with our research department. Are they serious?
I have student loans reporting on my credit that I did not sign for nor did I authorize anyone else to do so. I have never attended college so there would be no need for me to have utilized student loan services.The loan is not mine.
My loan is currently serviced by Nationstar Mortgage. This letter is in regards to excessive fees that I feel I am being charged on my loan. I tried to make contact with Nationstar Mortgage numerous times and was told that they would not speak to me due to the fact that this matter is in litigation and there are certain litigation codes on the file. Nationstar Mortgage advised me to contact their law firm XXXX, XXXX XXXX XXXX, XXXX. That law firm advised that they can not talk to a represented client, so, Nationstar Mortgage advises me to talk to their lawyer to remove their litigation codes, but their lawyer can not ethically and professionally speak to a represented person. 

On XXXX XXXX, 2015 a request was made to XXXX, XXXX XXXX XXXX, XXXX. for updated Reinstatement & Payoff figures on my loan. 

On XXXX XXXX, 2015 I received a copy of the Reinstatement & Payoff quote from XXXX, XXXX XXXX XXXX, LLP. After reviewing the payoff quote provided by XXXX, XXXX XXXX XXXX, XXXX, there are numerous fees that I feel are excessive and no explanation is given in regards to the fees. The lender paid expenses are unexplained and excessive, the pending escrow expense is unexplained and the payoff quote includes non-adjudicated attorney 's fees. Examples are listed below for your review. 

Property Inspections $ XXXXProperty Preservation $ XXXXEscrow Advances $ XXXXPrior Service Fees and Costs ( Paid by Servicer ) $ XXXX Firm FC Fees ( Paid by Servicer ) $ XXXX Firm Recording Costs ( Paid by Servicer ) $ XXXX Firm Publication Costs ( Paid by Servicer ) $ XXXX Costs $ XXXX Trace $ XXXX Attorney Fees $ XXXX Fee - Civil Litigation $ XXXX loan number is XXXX state of Florida XXXX XXXX of XXXX XXXX case number is XXXX.
XXXX/XXXX/XXXX. {$340.00} and i contacted the company on two occasions about the matter. my last contact was XXXX/XXXX/XXXX
I made an arrangement with gold acceptance to pay them on XXXX XXXX. They claim I never made an attempt I 've been paying on this car for almost two years ( by the wayway ). My family was at the park and they repoed my car two days before I told them I would pay them. Now they keep throwing different numbers at me to pay them back. First they say XXXX then they say XXXX then they said XXXX they keep calling me as if they are trying to help. I tell them how do I know that they will give me the car back they say everything is recorded. Well if that 's the case why was n't my arrangement recorded. This company is a scam. Not only did they take my car unlawfully but they called the police as well.
I have been attempting to remove negative accounts for 1 year from my credit report. I am beyond disgusted at this point. I sent information to the credit bureaus about an unjust filing of bankruptcy including accounts. They responded with " Verified '' and to my understanding they listed XXXX XXXX as the date provider. I reached out to XXXX XXXX to investigate and they responded that they could not locate any information in reference to a bankruptcy from their company. I reached back out to XXXX, XXXX and Equifax with the information that XXXX XXXX mailed me. The subsequently deleted their information because there was not evidence. XXXX, XXXX and Equifax are still reporting the derogatory information on my credit report. It literrally has been 12 months since I began attempting have this inaccurate information removed. PLEASE HELP! The problematic accounts are as follows : Bankruptcy listed on all XXXX credit reports. The accounts listed under the bankruptcy as well : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
on XXXX XXXX, 2015 i received financing for purchase of a used vehicle yet to be determined. XXXX approved the loan, and told me to go find a car and i was all set. my first trip was to XXXX fl. and i told my salesman i did n't need financing, that i already had it and i did n't want any credit inquiries on my account. he assured me he would n't do that.. I left the dealer thinking there might be XXXX car i liked enough to buy, but decided to do a little comparative shopping.I ended up finding a vehicle online in XXXX fl. I went through the same routine, telling her I had financing and she said she would only do soft inquiries so it would n't show up on my credit report. I now have at least XXXX new hard inquiries on my reports to equifax XXXX, I am not sure about XXXX yet, and I would like them removed.
I got a letter from Experian saying that I had a " potentially negative item '' between XX/XX/XXXX and XX/XX/XXXX, but they did n't say what it was ( of course, then they could n't charge you ). I tried to obtain a free credit report from the Experian website, but I was declined and told that I had to submit my report in writing. I tried using annualcreditreport.com, but just got dumped to the Experian website again and marked as having obtained my free annual credit report when I did n't obtain it. Come back in 12 months. Due to XXXX problems over the last years XXXX - I do n't have the time or staff ( I have no staff ) to pursue these people when they are making things difficult. They promise you a free credit report every year, then scam you by counting a denial as actually receiving a report, so you have to pay for something that you should n't have to.
Consistently getting emails and phone calls from Nelnet stating that the account is past due by 75 or more days. The emails contain titles like " take action to keep your delinquency from being reported ''. The issue is that the account has been paid and I am fearful that my credit will be destroyed by these false allegations and incorrect data. I have fell victim to predatory student loans in the past.
Debt collector did not make communication attempts or notification by mail for debt owed or process to dispute in due time.
Recently, my daughter and I settled on a house she was purchasing for herself and I was selling on behalf of my parents ' estate. My now-deceased father had a reverse mortgage ; so, essentially, my daughter refinanced the home in her name. Throughout the process of my daughter obtaining a loan from her financial lender, the reverse mortgage company and it 's attorneys pursued foreclosure. During the process of attempting to take over the property and without the knowledge of the estate, the reverse mortgage company made a highly unusual payment of taxes on the property. As the personal representative over the estate, I also paid the taxes. I was later informed through the title company that the taxes were current through XXXX 2016 and that the overage would have to be settled on the day of closing. However, instead of the title company XXXX XXXX XXXX XXXX of XXXX XXXX Maryland XXXX remitting a check due back to me as the seller on behalf of the estate, XXXX XXXX XXXX illegally credited the reverse mortgage company money including part of what the estate had paid. In an email message to the reverse mortgage company requesting the refund due to the estate, I copied the title company. The title company 's representative was very rude responding to the message. However, in her rude response, she states that the money is/was due to the seller. XXXX XXXX in representing XXXX XXXX XXXX used her position at the company to require my daughter to send money to XXXX XXXX in order to close on the desired property. She also used her position to illegally falsify documents in order to credit the reverse mortgage company and finally made an unauthorized wire of funds to the reverse mortgage company that was due to the seller/estate. The actions of XXXX XXXX Company and/or it 's representatives lead me to question how many times they have falsified documents in hope and anticipation of the seller and buyer 's lack of knowledge. Please address this current issue with XXXX XXXX Company. Additionally, an audit of their previous records and dealings should be conducted.
I received a letter from XXXX XXXX showing an account TransUnion reported as " verified '', in fact is not mine. I went to re-submit a dispute online and they would not let me submit my letter supporting that the account is not mine. Furthermore, they continue to report inquiries that are unauthorized, fraudulent, and do not meet fair use requirements. 
Here is the inaccurate data on my credit report : XXXX XXXX XXXX XXXX XXXX Other : You have repeatedly reported this as " verified ''. I now have a letter from XXXX XXXX & it is n't my account. 
XXXX XXXX XXXX XXXX/XXXX/2015 Inquiry Other : Unauthorized, fraudulent inquiry that does not meet the requirement for permissible use XXXX XXXX XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 Inquiry Other : Unauthorized, fraudulent inquiry that does not meet the requirement for permissible use
On XXXX XXXX, 2015, CitiCard put a charge of XXXX on my credit card from XXXX XXXX of XXXX XXXX. I went online on XXXX XXXX and saw the charge on my credit card and called CitiCard and told them I did not make this purchase and I did not want them to pay it. They asked if I had ever bought from this company and I said I had but I did not authorize this purchase and I did not want them to pay it. 
I had previously agreed to an Autoship in 90 days in the amount of XXXX, with the right to cancel the Autoship. I cancelled the Autoship on XXXX XXXX, 2015. I never agreed to the XXXX XXXX, 2015 charge of XXXXXXXXCitiCards sent me a follow-up letter to which I responded. They asked for a copy of the order. Since I did not order anything, and this was an unauthorized charge, I did not have a copy of any order. They sent me a XXXX letter again asking for a copy of the order. I responded again telling them I did not place this order and did not have a copy of the order. Then they sent me a letter saying they had finished their investigation and I had not supplied what they had asked for so they were recharging my credit card for the XXXX The only thing they asked for was a copy of the order. Since I did not place this order, I do not have a copy of an order to send them. 
I had called the XXXX XXXX that made the fraudulent charge to my card and told them to remove the unauthorized charge. They said a mistake had been made and they had already sent merchandise and to return it unopened and they would issue a credit. I did not accept the package. It was left on my doorstep by the postman. I took the unopened package to the post office and returned it to the sender with a tracking number so I had proof it was returned. When the company did not issue a credit, I filed a complaint against them with the New Jersey Attorney General Consumer Affairs Division because the address was in New Jersey. After I filed the complaint with the New Jersey Attorney General, I tried to call the company but they did not answer their phone.. 
Citi advertises XXXX Liability for unauthorized charges. I did not agree to buy anything and I did not authorize this charge. I have sent CitiCards a notarized letter certifying that this was an unauthorized charge and asked them to remove the charge from my credit card. They have not removed the charge. 
I believe CitiCards has violated the law by trying to make me pay for a fraudulent charge I did not authorize, and because they have not honored their advertised XXXX Liability for unauthorized charges. They have now added late fees and interest to my card. I expect CitiCards to honor their guarantee and remove this charge and fees from my credit card. 
I am attaching copies of our correspondence, a copy of my notarized letter and a copy of my complaint to the XXXX Attorney General against the company that put the unauthorized charge on my credit card.
There are XXXX new addresses appearing on my credit reports. I have not furnished the address XXXX XXXX XXXX, XXXX, CA XXXX or XXXX XXXX XXXX XXXX XXXX, Ca XXXX. This is erroneous information and needs to be removed from all credit reports. 

The last name XXXX is also incorrect.
I received a letter from my Mortgage company letting me know that my loan was being transferred to another company. The date the letter was written was X/XX/17. My understanding is that they are required to give no less than a 15 day notice. This letter was sent regular US mail. This letter did not arrive within the 15 day notice. Also, the letter stated that they will no longer be accepting payments after XXXX XXXX, 2017. The mortgage payment ( 1/2 ) was drafted out of my account on XXXX XXXX, 2017, which I was not expecting. With my previous mortgage company, I was set up on a " flex payment plan '' which allowed half the payment to be paid on the XXXX of the month, and half the payment to be paid on the XXXX of the month, and this was on automatic draft. This method worked very well for the way that I get paid and when my other bills are due. I can not pay the full amount in one lump sum payment on the first, or it leaves my family without money left over for groceries, gas, etc. I called the new servicing company, LoanCare , LLC, to quickly sign up for bi-weekly payments on automatic draft. I was told that they do not accept bi-weekly payments, but they have a third party that will assist with this, however, they charge a large fee to do this. I had no voice in my mortgage being transferred, but my understanding is that the terms of your loan should not change. I strongly believe that my options as far as payment should continue as they previously were, WITHOUT an additional charge.
I was contacted by a company referring to themselves as commonwealth associates. The person I talked first to said he was lawyer and didnt give me his name. He had all of my personal information SNN, addresses, and email. They informed that I was being sued due to a debt that went unpaid for a private student loan. I asked for information but was greeted with rudeness and threats for arrest and court summons then he hung up on me after refusal to pay on the phone. I called back to try and working things out. I asked them for verification of debt, but was met with refusal. I told them I wasnt paying anything until I got verficiation. They sent me a so called stipulation via email without telling me what it was. The original debtor was XXXX XXXX which is an online college I attended. The last person I talked went by the name XXXX XXXX, and he informed that they were looking into garnishing my wages or taking my tax or they would send a court summons. I cut him off before he started asking me questions. I told him he wasnt getting any personal information from me. He said Ill take that as you want me to send out the court summons then and hung up. I reached out to XXXX to confirm the debt, and was told by one of their representatives that there was no private loan debt of {$3700.00}. I also asked if I had anything sent to collection and she said no other the {$2700.00} that I already paid in full. I then reached out to XXXX XXXX XXXX which was the original company that XXXX has sent the debt to. The representative there stated that I paid in full. I told her about the situation. She said that its a scam and she will file a report with her company. Commonwealth Associates also contact my parents and gave it my SSN to them.