WillisBack/dataset-financial-user-claim huggingface dataset:
The debt collection company name National Credit Systems has failed to provide any proof that i lawfully owe the debt in question nor any letters in writting stating who they represent. I have requested in writting as well as verbally and through the XXXX for such information. On each time that i have spoken to this company on their recorded calls i have stated i am willing to pay a debt i owe once i receive written documentation. Every time i have called they have said on multiple circumstances that they have already sent the requested documentation wereas since XXXX i still have not received this documentation. In the most recent response through the XXXX they stated " they were in the process of obtaining the verification and mailing it to consuner ''. Im quite baffled how after multiple statements on their recorded calls they stated they have already mailed out such coorespondence but now after taking matters further have to locate such verification. I have reached out to the origional creditor as well during this process to obtain any information regaurding account wereas it was told to me that they were bought out by a new management company and no longer have prior records. I have been attempting to resolve this debt but I as a consumer do not feel sending money to an unidentified company to a XXXX XXXX in another state without supporting documentation is unlawful under any circumstances.
My loan is in default but not by my fault. Navient is horrible. They were taking my loans out whenever they felt like it, up to 4 days before the date I had chosen with the original loan holder. It was causing all kinds of hardships like overdrafting my bank account. I contacted my bank and told them Navient was not abiding by the original agreement I had with my school loan lender. I never made any sort of agreement with Navient. It turns out that Navient had no right to be taking anything out of my checking so my bank stopped allowing the payments. I 've tried to contact Navient but they never email back. I do n't have a phone. They send mail to the incorrect address. An address that I have never lived at or provided to them or anyone. A family member owns the house and just send everything back return to sender. I 'm currently in bankruptcy due to my school loans that I have paid on time for the last 13 years, never missing a payment until now. The payments I was making is well above 15 % of my income. My bankruptcy lawyer just tells me it will cost me more to dispute my loans than to just pay them. I do n't have any money at all. My lawyer says it will cost me thousands extra to go to a separate court to dispute the loans and it 's too hard to prove. My lawyer is just plain lazy. What can I do to get them included in my bankruptcy? 
Is there anything I can to since my lawyer wo n't do anything or even advise me? 
Also, Navient has no right to be sending mail to an address that I do n't live at, never have and the person is angry for mail being sent there. I have never provided Navient or anyone else of that address. 
Now I am received phone calls to numbers that were never provided to Navient or to anyone else. I received 4 calls in 5 minutes. They broke a privacy law by calling my cell. I never gave this number to anyone at anytime. XXXX also agreed that a privacy law was broken and would like to know how they obtained the cell numbers as it was not public record. Both numbers are on the donotcall registry.
since XX/XX/XXXX I have been trying to resolve an account on my credit report from National credit systems. they claim I owe XXXX XXXX XXXX. {$200.00} no clue what this is even for?? I never received any notice from anyone. I asked for explanation.but was never given a reason. just sent another bill. I want proof of how and why XXXX  is owed anything. I moved from there in XX/XX/XXXX but it shows XX/XX/XXXX. called XXXX but was informed to talk to the collection agency. National Credit has verified this account on all three credit bureaus in XX/XX/XXXX and again in XX/XX/XXXX. I sent two letters requesting info and still nothing. I receive tons of phone calls daily with recorded message like a robot saying to call them back personal business matter. I feel this is a scam.
I have made multiple attempts to get information on why the mortgage with this company is still reporting on my credit report. This debt was obtained in the name on myself and my ex-wife. Since then we had been divorced and the mortgage has been taken over by my wife. I had submitted a quit claim deed and was told by the services that I will no longer be obligated for the debt on my account as she assumed the loan. Every time that I call them since this transaction happened, they state that I am no longer on this loan when the loan number is provided to them. They state that they can't find me anywhere in their system by social security number or name. When I provide them with the full account number, I am told that this loan doesn't belong to me and that they can't provide me any information on this loan. I've also called the company directly with my ex-wife and my current loan officer and was told that they can't verify that I have any liability to this loan. I've stated that this is impossible because they are still reporting negatively to the credit bureaus and that improper handling of the payments on this loan that my wife has made has made it impossible to acquire new financing. They still can't provide any information on why it is reporting this way.
I have over the last month found that someone has repeatedly use my information to apply for credit at numerous creditors creating a long list of Unauthorized Inquiries.
All XXXX credit bureaus list XXXX state tax liens as active ; however these liens were XXXX released and I have a copy of the release documents from the state. I would like to have XXXX of these state tax lien entries deleted from all my credit reports. See attached documents.
I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that i do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
I Took a loan {$1200.00} from Moneymax title loans and after my car got some problems that need to be fixed called them to let them know that the car need to be fixed so want to see if we can have settlement. they refused and told me that they will settled for {$1300.00}. That is not a settlement in anyway since the amount we are talking about is {$1200.00}. So when I realized that they have no intention of settling I told them okay you can take the car let me know when you want to and they refused to let me know. They just show and took the cars with my valueable in its. Now they are telling me to walk over XXXX miles distance to retrieve my valuable. I told them I do not have a car because you took the car in the first place. you should have told me what time you were coming so I could have take everything out of my car.
On XX/XX/2016 this company had someone to contact me about a complaint I had filed about me having made three payments on one loan within 30 days, because of bad information which had been provided by their staff. XXXX held himself out to be the Associate General Counsel for Check Into Cash , Inc., XXXX, TN, XXXX Store. After, further checking with the Tennessee XXXX, which proved this individual was not licensed to practice law in the state of TN, as is required for any one holding themselves out to be a General Counsel. Once I informed this company of that information, the matter was turned over to the store manager, XXXX, a person who did not in my opinion have the legal skills to entertain my complaint. Since then, XXXX has denied any truth in my statements and has repeatedly refused to attempt any settlement of closure on the matter. In my complaint I alleged that their staff lied about my eligibility for another type of loan based on a credit score obtained by them of 880 and the staff instructed me to first pay the current owing balance off. I paid it off that same day, but was denied the new type of loan and then told I could only get the same type of loan that I had just paid off. So, I took out that loan, because if I did not, I would not have had any money. I was told the computer had made a mistake. I said if it has made a mistake now, then how can I be sure it is not making a mistake at this time, too. I said I do not trust your computer or the advice of your staff. So, this made me have to make three payments in a 30 day period, cutting deep into my fixed income from Social Security retirement. I believe this is a normal practice of this type of pay day loan business in XXXX, TN. I did not ask to qualify for the loan they volunteer to enter my information in their system then told me I qualified and showed me the amount on the form. But, when I came back to get that amount I was denied it. They should be further investigated for fraud as I believe many low-income individuals are being targeted and taken advantage of, especially seniors and others on a fixed income. This is still an on going matter and I wish for immediate closure. I have requested of XXXX to waive the loan balance and she has repeatedly disagreed.
Called to apply for a credit card with Golden1 credit union, my main bank. Received a letter from Golden1 about a week later saying that I was denied for a {$20000.00} personal loan. I was afraid my identity had been stolen and called to shut down my debit card immediately. The next day I called Golden1 fraud services. They did an investigation and said that because credit cards and personal loans are initially processed as the same, that they had processed my credit card as a personal loan application. I was very upset and tried to explain that I did not apply for a loan and certainly was not expecting a credit card with a limit of {$20000.00}, which is one third of my gross annual income. I told them that this would negatively impact my credit score and was also inaccurately reported to the credit reporting agency as I did not apply for the loan. I asked them to contact the credit bureaus and correct the related inquiry to reflect a credit card application instead of a {$20000.00} personal line of credit. They refused and I issued a fraud alert with XXXX and XXXX. I would like to take further action to remedy my credit score and prevent this from happening to anyone else. I no longer trust credit unions and do not see them as a positive alternative to banks.
My BBVA Compass XXXX XXXX has been frozen/blocked since XXXX XXXX. I have contacted their fraud dept. and was told it would take 24 to 48 hrs ( business days ) for someone to contact me so the account can be unblocked ; it is now XXXX XXXX and this has yet to occur. I am starting to believe this is a classic bait and switch because they are doing a promotion specifically for the XXXX Finals with the use of this card. I have contacted the security dept. XXXX times with all information clearly showing I am who I am and have been the only person using this card by confirming all of the purchases on this card to be true.
There is an account I have personally tried to validate and nothing was ever received. How are XXXX and TransUnion able to verify this when I can not and it is on my credit file and it is inaccurate. The social doesn't even match mine Account is listed XXXX XXXX XXXX XXXX
I have a XXXX XXXX phone bill that appeared on my credit reports, all 3. However I have only had an XXXX phone bill ever. I have never had any other company and this bill has to be fraud because it doesnt belong to me. I am more than willing to submit whatever I need to prove to them that this is not my account including my bills for XXXX dating back to several years ago.
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX I do not recgonize these inquaries.
I have been trying to work with Portfolio Recovery trying to get my debt settled. I had an original balance of {$590.00}. I have since then paid 51 % of my collection amount, now owing {$290.00}. I have been writing and calling this company numerous times asking if they will work with me on lowering the amount. This company is refusing to work with me. They have called me several times asking for payment and threatening to remain on my credit report.
My complaint is toward Bank of America. 
My friend ( XXXX ) and I ( XXXX ) are buying an investment property. My friend works as an XXXX XXXX for a XXXX company in XXXX XXXX being paid in XXXX dollars. He is over there on a short tem contract. He is not scheduled to be back in the XXXX until the beginning of XXXX when his contract is up. 
XXXX executed a Power of Attorney that gave me the right to sign on his behalf for the investment property purchase. The Power of Attorney was signed and notarized at the XXXX XXXX in XXXX XXXX by a XXXX notary. I was just told by a BoA representative that they will not accept the POA because it was signed outside of the XXXX. 
This makes no sense to me as this is the point of a POA and one of the reasons for a XXXX XXXX 's existence. In addition to the fact that an XXXX is a sovereign state and is considered XXXX soil. I escalated it with Bank of America and they requested an exception to allow the POA which was declined. They advised me of the POA decline on Thursday XXXX/XXXX/2017. We are scheduled to close on Friday XXXX/XXXX/2017. 
I feel they are discriminating against a XXXX citizen who is working abroad. The POA was completed in accordance with XXXX and local law as it has been accepted by the title company who is insuring a clean and clear title.
XXXX has removed the trade lines due to identity theft. This company continues to report it to my credit reports even though they have been notified more than once it should be removed.
I was not aware that I had an outstanding debt because the medical facility sent the bill to the wrong address. Eventually, I was contacted by a collections agency about this oustanding debt I knew nothing about. Apparently, after several failed attempts to contact me via mail ( because they had the wrong address ), the medical facility sold the debt to a collections agency, who then contacted me by phone. I provided the collections agency with the correct address and they agreed to send me some information about the bill. I never did receive anything in the mail, but have since noticed a derogatory mark on my credit. I have yet to see any notification or documentation about my outstanding debt.
Wells Fargo close my account due to the filing of a cfpb complaint. Keep funds and did not disclose terms.
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Re : Notice for Proof of Claim Account No. : # XXXX To Whom it may Concern : This is a legal and notarized document. XXXX v. XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XX/XX/XXXX ) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX v. XXXX XXXX XXXX  XXXX : XXXX v. XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 

Also, I have received a statement claiming that I owe a debt to XXXX XXXX and that you are the second collection company. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin.

6. ) Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.

I also request to see a certified copy of any contract or agreement between you and XXXX XXXX  that gave you the right to collect this debt Account No. :XXXX Respectfully Submitted
After reviewing my annual credit report I noticed a hard inquiry that I never approved from Credit Technologies on XXXX XXXX. I attempted to reach creditor and was unable to.
Is to remove all the inquires and collections off of my credit. Im XXXX and i havent put any of these inquires and collections on my credit and its affecting me .And I was a victim of the XXXX inquiry error/glitch that happened but they want remove the inquires on my credit report.
I have had my account with Wells Fargo for almost 2 years. During the XXXX season my card was blocked 8 times prompting me to call Wells Fargo each time and verify my transactions. It was embarrassing ; I would swipe my card with funds available and the card would be declined. On XXXX/XXXX/2016 I was told that my account was closing due to too many " claims ''. When I opened my account I was told that there was a {$0.00} liability clause for claims. It was never stated to me or anywhere in the policy that I could only have a certain number of claims in order to keep my account open. My account was placed on hold and I was n't even called or e-mailed about this. I had to call the customer service line who advised that there was a hold on my account. The customer service line then transferred me to " Loss Prevention '' where the rude representative did not answer any of my questions. She just kept repeating that this was a business decision and then she disconnected the line on me. I went into a local branch located at XXXX XXXX XXXX XXXX and spoke with XXXX XXXX because for some reason my account was closed or in the " process of closing '' but Wells Fargo was still accepting my payroll. XXXX, whom was very XXXX and made it very clear that he was disinterested in speaking with me because I am no longer a Wells Fargo customer and needed to take my business else where told me that I would needed to go to the Wells Fargo located on XXXX XXXX in XXXX to withdraw my money. I knew this was a lie because I had already spoken with my HR department who advised that the money would come back to them and they would disburse in the form of a check. When I tried to explain this to XXXX he was n't listening and he stated that I no longer had an account with Wells Fargo but could open an account else where before prompting myself and sister to leave the facility without incident. The fact of the matter remains that Wells Fargo does not state any where in their policy that they would close my account due to X amount of claims and in my opinion and legally my account should have never been closed ; especially without my knowledge.
I had a toyota XXXX on lease since XX/XX/XXXX. I was three months behind.I called XXXX to verify a check was being sent out on XXXX for {$670.00} from my church. The guy noted my account. But noted it wrong, said I told him my church was paying pay due amount which would of been {$1000.00}. I never stated that. On XXXX I called to let Toyota know the check was in its way N I wanted to make a payment to being my account current. They said we are only excepting cash through XXXX XXXX or atm ... I said ok I want to pay the XXXX since the check is already in its way. They said no we ca n't except the check you need to call the church to put a stop payment on it. I said excuse me, that 's crazy. She said you should reach out to family and friends for help.So I called my mom got the money its still the XXXX, I call back to make the full payment of XXXX $ the lady said no we are not taking any payments, I said what why not you Told me to call when I had the money, I 'm calling. She then put it in repo status. which is crazy when I was paying with a debit card. I called the next day on XXXX n tried to make the payment thinking I would get someone else nope same person and still would n't take a payment, there was no reason as to why she would n't take the payment. On XX/XX/XXXX my car was repoed I called and asked why they said because you failed to make payments or to bring it up to date with payments. I said excuse need I have been in contact with you since XXXX n before that date ... .. Now they want me to pay the full amount of the vehicle which is XXXX $ Which makes no sense cause I was trying since the XXXX to bring it to a XXXX balance and the customer service reps kept telling me no they not taking a payment ... Now how is this even right too tell someone no if the car want in repo status but then repo the car n ask for the whole purchase price when it 's a lease? I do n't understand as to why I was denied a payment give days straight, I understand I had difficulty paying but it 's not like I totally avoided them I was in contact with them monthly and if not weekly ...
XXXX XXXX is a debt collection agency. I have never had a contract with them and they sued me for an old credit card. The amount sued for is over double what the credit card limit for the card was. I spent hours drafting and fiiling an answer. Then I spent hours more answering other things questions they sent. I filed all answers with the court. I took off from work and showed up in court because I had not been informed that they had filed a nonsuit. In the mean time I moved. They filed suit again. Again I filed my answer with the court. Again I took off from work, sat through every case and was not called. I asked the court clerk why I was n't called. She said I was rescheduled for XXXX. I asked if I would get notification in the mail, she replied affirmatively. In XXXX XXXX, I called the court to get my court date. I ca n't remember what day it was. However the judge who had been previously assigned the case passed away. Two days before my court date I called about my case, they said that the judge had signed a judgement against me. I had recalled getting a letter from the law firm Cavalry that they had sent to, the judge saying that I did not answer their lawsuit. I did answer it, and I knew, my answer was on file. I also sent the answer registered mail and have the receipt. I thought the judge would look and see that or leave it til court. He did n't. I called the court clerk to complain. She said, I, would have to pay them, {$10.00} for a, transcript plus the judgement amount before i could appeal it. I did n't have that much money. So ever since the company, who should have never had the right to, sue me in, the first place has caused me, a ton of stress and XXXX that led me to quit my job. I since started working some place new, for half the salary. That has caused me a lot of XXXX as I am, struggling to pay for the basics now. But now they 've found my new job and are attempting to garnish the little money that I make. Their lie worked somehow. 

They are n't owed any money by me. If they bought my debt for {$50.00}, then I 'd gladly pay them that amount. But they have wasted a lot of my time and resources and misrepresented themselves and me in a letter to, the judge. They never intended to show up in court. They continually rescheduled or filed nonsuit without telling me hoping I 'd slip up. I knew this and followed all steps to prevent this. I can barely purchase groceries right now. And even, though I pay for insurance, none of us can afford to see a doctor. This makes me want to give up And receive food stamps and government assistance and, subsidized healthcare. How can Cavalry  SPV be allowed to hurt people and the economy this way? I pay and have paid a ton of, money in taxes. What if, in order to support my family because my wages are garnished, I was forced to quit my job to qualify for government benefits? This should be illegal. I have two college degrees and have worked more than XXXX hours a week every single week for the past 7 years just to make it.