WillisBack/dataset-financial-user-claim huggingface dataset:
To XXXX XXXX XXXX XXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent Any Credit application that was used to open this account that you claim i owe with my signature attached
To whom it may concern Company 's use my personal info in connection to fraud and identity theft in order to opening frudentelly accounts to opten service and Good in behelf of me using my personal info such as ssc #. Dob. Address. Emails. 
Without of my concest or permission or authorization. 
As financial institution appears and raised according to date and time as reflect on national credit bureau as following XXXX XXXX XXXX XXXX XXXX Lending tree
Today I called Ally Bank to speak about a possible fraudulent transaction. The transaction was in XX/XX/2017. There were no other suspected fraudulent charges. 

The front line customer service rep made a mistake and canceled my current card without my permission. 

Normally this wouldn't be a problem but I am traveling to XXXX in less than a week. There is no way that they can send me a replacement card by the time that I leave - or realistically during the first part of my trip. International shipping can take a couple of weeks. 

Spoke to the supervisor and the only solution presented was to use the current card as an ATM card during my trip. 

It makes no sense that a card would be deactivated without my express permission. It is my money please allow access. 

There is a distinct possibility that I could end up across the world without access to cash. 

This should not have been done without permission. The company should overnight a card in an attempt to fix the situation. This is not going to happen.
Previous complaint number XXXX. Filed XXXX XXXX, XXXX. The company has responded to the complaint the following : In response to your complaint, Portfolio Recovery XXXX, LLC ( XXXX XXXX investigated and verified the XXXX account ending in XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. XXXX purchased the XXXX  XXXX Bank XXXX XXXX XXXX, XXXX. XXXX " XXXX XXXX '' ) XXXX account ending in XXXX on or about XXXX XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XXXX XXXX, XXXX, by XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$560.00} was due on the account at the time of XXXX XXXX purchase. XXXX sent its initial notification letter to you on or about XXXX XXXX, XXXX. XXXX has no record of a response or a dispute being received in relation to its initial notification letter. XXXX has received and responded to several disputes. In response to XXXX of your disputes, XXXX previously sent you the attached letter containing validation.
I had a loan with the local "  TOWER LOAN  '' Company and the loan has been paid off and I was told they only report to the credit bureaus every 3 months. This is an unreasonable time to wait to see your  credit score  reflect the removal of the debt. I believe it is intentional to keep consumers in a position where they can not get lower interest loans and will have to keep coming back to them when they need money. I called both the local office and their controlling office in Mississippi for help and got none. As a matter of fact when I ask to have the name of the person in charge of the corporate office I was flat out to ld NO..
I paid a {$1000.00} loan taken out with Big Picture Loans on XX/XX/XXXX in full on XX/XX/XXXX for the amount of {$1400.00} ( attached ) On XX/XX/XXXX, I logged onto the website https : //my.bigpictureloans.com/loan-status to make sure the debt was satisfied and it stated I owed an additional {$94.00}. I called Big Picture Loans to find out why the account had a balance and was told it was additional fees and interest. I paid Big Picture Loans {$94.00} on XX/XX/XXXX as an amount to have the loan paid in full again. However, Big Picture Loans continued to take payments out of my personal checking account. Since the loan was paid off and documentation from Big Picture Loans was provided stating that the loan was paid off on XX/XX/XXXX ( attached ) they have continued to charge me fraudulent charges for the following amounts on the following dates XX/XX/XXXX for {$250.00} which caused a overdraft fee of {$29.00}. I called Big Picture Loans on XX/XX/XXXX and asked why they drafted {$250.00} out of my account on XX/XX/XXXX when the account was paid in full on XX/XX/XXXX. They proceeded to tell me I owed additional fees and interest of {$380.00}. I then proceeded to call my bank to have my checking account closed so Big Picture Loans could no longer take money, at will, My bank, XXXX, informed me that I could close the account but each time Big Picture Loans tried to draft additional money out of my account that it would cause the account to be re-opened which would cost me additional NSF fees. In yet another effort to stop Big Picture Loans from fraudulently charging additional fees and interest that I did n't owe them and also to stop Big Picture Loans harassment, I used my wifes debit card to pay these so called additional fees and interest of {$380.00} ( copy attached ) on XX/XX/XXXX.. Another fraudulent payment of {$250.00} was drafted on XX/XX/XXXX! In the last attachment # 5 it clearly states I have paid {$1200.00} to principal which is more than the loan was originated for and {$890.00} in interest. These two amounts added together is only {$2100.00} when the amount that Big Picture Loans has taken from me is {$2400.00} or possibly more. I think this kind of accounting practices clearly proves this company is breaking the law by not stating all income correctly and in committing fraud against their customers. I would like to sue them when it is determined they are conducting business illegally.
On XX/XX/2018 at approximately XXXX and XXXX I received two telephone calls from a company that refused to identify themselves or the name of the company they represented. Again, I informed the female representative that they have called my home repeatedly and have not left any messages and then they'd just hang up the telephone. Therefore, today after receiving the second call, I looked at my caller ID to retrieve the phone number. I called and the female representative refused to tell my the name of their company and what type of service their company provides. So I asked to speak to her manager, named XXXX XXXX. While speaking to XXXX XXXX he told me that he could not provide me with any information regarding the type of services their company provide. However, he said that the person who they are calling he could not give me any of their personal information either. But I had ti reiterate to XXXX XXXX that I never asked that they provide me with personal information for the party that the call was intended for, I asked for the name of the company and the type of services that they provide to the consumer. 
XXXX XXXX, the manager still refused, he then gave me the name of a company named Radius Global Solutions, and told me that I can research the company name online. 
XXXX XXXX then went on questioning me asking me if I was the person that they were calling for or he repeatedly asked me if I knew that person. Initially, I made myself perfectly clear to both the female representative and to XXXX XXXX that I was not the party that he was calling for and I did not know of that individual, but he acted as though he didn't believe me and he continued to ask me the same questions that I had previously answered. This was very disturbing to me. Mr. XXXX XXXX knew or he should have know that the manner in which he conducted the call was harassing and the repeated calls and his questions were unwanted, but that did matter to him. I thought that XXXX XXXX actions and the tone that he used with me was a clear violation of the FCRA and the FDCPA. I want to be permanently removed from their databases effective immediately. I do have a copy of the telephone call that I recorded. Idid make it perfectly clear that the call was recorded because XXXX XXXX informed me that he too was also recording the conversation. The recording will be made available to you upon your request, for your review and consideration, if needed. Again, it will be provided upon your request. I do not owe this company. I do not know why this company is calling me! I DO NOT HAVE ANY OUTSTANDING DEBT OWED TO THIS DEBT BUYER AND/OR COMPANY OR ANY OF THE CLIENTS OR CREDITORS.
Dear Cust. Relations Mgr., I ask that you provide validation for account history information transmitted to any CHOICE RECOVERY INC # XXXX consumer reporting agencies for me, XXXX XXXX , for the so-called account number CHOICE RECOVERY INC # XXXX. Since personally harmful serious problems may be present within transmitted data, I am asking that your company mail this validated information within thirty days. Additionally, formally concur that you adhered to all provisions of the FDCPA or applicable laws after my term of enrollment as a student. Forward more than a cursory account history. In lieu of that this is a call for a formal audit. If these reasonable demands can not be met during this reasonable period, materials disseminated from CHOICE RECOVERY INC to any consumer reporting agencies should not be regarded as correct and may bespeak an abridgment of the law. Given that circumstance, vacate that reported information immediately. 
I appreciate any assistance you will provide.
My name is XXXX XXXX. I have been trying to get information about an account in my name from Wells Fargo. The account has an exclusion allocation amount of XXXX. I've been contacting the bank consistently trying to get information about why the amount was so high. I first opened the account on XX/XX/2016. I only opened a checking and savings account. While I was sitting with my banker he informed me that I had three retirement accounts. I looked into the accounts and there was never a balance, but after contacting a Wells Fargo advisor I was informed to contact an tax accountant. The problem is the bank will not release my account numbers to me. I've been receiving false documents from Wells Fargo along with XXXX XXXX. I also tried getting my credit report from XXXX. The customer service agent informed me that my information didn't match what he had on file. I think some one has power of attorney of my rights. I've never been informed about who this person is. There's also a retirement account from XXXX XXXX that I can't access. I need help getting financial information accessible.
Begun to seek a review for loss mitigation of any kind to bring my loan current and Selene Financial employees are inadequate. This is a very stressful process and when the servicer of your loan is contridicting themselves and keep asking for documents you have already sent, it needs to brought to higher attention, I initiated a review the week of XX/XX/XXXX. Upon the review, I was advised to send in outstanding docs. 
Advised by supervisor to send in outstanding docs : Husband contribution letter ( I am not receiving income ) His bank statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX All of his expenses Sent in everything on XX/XX/XXXX XX/XX/XXXX supervisor advises outstanding docs : Contributor needs to sign the application Profit and Loss statetement for contributor since he receives a XXXX ( independent contractor XX/XX/XXXX statment ( supervisor verified XX/XX/XXXX and XX/XX/XXXX on fille ) Sent everything in XX/XX/XXXX Called in to Selene Financial to be updated on review, supervisor ( XXXX ) again tells me about outstanding documents : Letter from me indicating I am not receiving income Husbands XX/XX/XXXX tax returns XX/XX/XXXX statement ... sent in XX/XX/XXXX Called today XX/XX/XXXX and was advised by one representative my husband income would not qualify as a contributor!!! 
Supervisor ( XXXX ) wouldn't confirm or even verify all docs that have been asked for up until this point have been received. 

Spoke to XXXX ... she verified all docs had been recieved on XX/XX/XXXX. 
She advised me I have not given them to review the packet. I asked what was the time frame of documents being reviewed. She advised 2-3 days and I had not given them time to review. Today is XX/XX/XXXX. Its been almost two weeks since I sent in what was requested In the meantime, the last bank statement expired on XX/XX/XXXX. 

I am believing the review is being conducted by several underwriters that is not looking at the whole picture of all doc requested. Its too many hands on this one loan. My heart goes out to anyone else in this situation. The package, according to what as been asked, seems to have been completed since XX/XX/XXXX. My loan is becoming more deliquent each month. I will not loose my house because of anything I done wrong. I have complied with this company and request for the modification.
XXXX refunds are never credited back to the account so the balance never changes that the benefits no one but XXXX and Chase Bank
2 years ago now I got a pay day loan and when it went through the company put it through twice. They have tried to charge me twice now for one payday loan and because of their mistakes that I should n't have to pay for. It was for 150 or so the collection agency has called my family and friends told them about the debt threatening them that they will be sued or go to jail. Doing the same with me I have many many voicemails saved of them trying to act like the cops and black mail money from me and my family. I have tried to settle but they are rude curse hang up on me and say I 'm being charged with check fraud. I did n't do anything wrong and I have read online about a lot hundreds of others that they have done this too for an extra buck it 's wrong and people that do n't know about fair debt collection act do n't even have a chance.
I have applied for at least  XXXX  loan modifications since approximately summer of   XXXX    . My request in   XXXX   was denied due to employment income being too high. When I applied in   XXXX  , I was currently on short-term  XXXX  with my employer and was still receiving full compensation. Since I was receiving full pay, I was then denied the modification request.     I was then awarded social security benefits in   XXXX   XXXX     and was then advised that I am totally  XXXX  and unable to return to work. I then reapplied for another loan modification since my financial/employment has changed. I repeatedly received numerous requests f or CitiMortgage requ esting documents and clarification on numerous items. I provided all documents to them as requested. I was just notified yesterday via phone that my request for modification was denied due to income being too high. My representative then told me that it appears that I earn approximately {$2800.00} per month. I then explained that my social security award letter confirms that my monthly benefit is {$2100.00} per month. I explained that I currently receive a monthly insurance long-term  XXXX  payment, but this monthly benefit is an insurance benefit and is not guaranteed. My monthly pay has been reduced by over 50 % since becoming unemployed.
On XXXX XXXX, XXXX, I was removed as a XXXX % partner in a business, and the business partnership was dissolved. As shown in legal documents that I sent to all three of the credit reporting agencies as well as to two credit card companies, XXXX XXXX and XXXX, that the remaining business partner, assumed all debt associated with the company including credit cards, and that I was not responsible for the debt and wanted these two credit cards removed from my credit report. 

I have since pulled credit reports. XXXX and XXXX have removed these two cards from my credit report. Experian sent me a letter stating that they were unable to use the legal documents I provided with my dispute and are not able to make the changes I requested ( removing the two credit card that do n't belong to me from my credit report ). They are contacting the furnisher of the information or the vendor who collected the information. The furnishers of the information is XXXX and XXXX XXXX. After speaking with XXXX XXXX they took further steps to close the account in my name, and confirmed they had the legal documents I sent and agreed that I was not responsible for this debt and that they would report to the credit bureaus to remove this account from their records. My calls to XXXX XXXX has been less than satisfying and to date I have not received any confirmation from XXXX that they have reported to Experian that I am indeed not responsible for the debt and that it has/will be removed from my credit report. 

.
Southwest Credit System added a negative account on all XXXX credit agencies, in the amount of XXXX, on XX/XX/2016. I contacted Southwest Credit System immediately by certified mail indicating that I am disputing said debt. I asked for validation of alleged debt in which Southwest Credit System has not been able to provide. I then sent two more certified letter asking for validation of this alleged debt, and Southwest Credit System still has not provided tangible proof this account belongs to me. They have continued to make late remarks on my credit report every month since XX/XX/XXXX as if I had a contract with their company, which I have never spoke to verbally or signed any documentation with this company. I feel they are in violation of the Fair Debt collection Practice Act.
I received an automated call from XXXX. It said to select 1 for the last day of the promotion. I selected 1 and spoke to a man. I asked him what credit card he was referring to. He listed a ton ... Visa/MasterCard for XXXX, Capital One, he named a few others. I asked what specific account he was calling about and he told me Capital One. I told him that I was on the DO NOT CALL list and the only reason I should be called is if fraudulent chargers are found. He told me I was not listening to him and the said he was going to cancel my account. " Excuse me? '' I asked. He said ... " You heard what I said '' and then hung up. I called Capital One. They said they do not call with promotions, only fraudulent charges. I did not think a Capital One employee would act so professionally. I should have played along a little longer to see if he was going to ask me for my credit card info. I think this is likely a scam and should be reported.
XXXX   XXXX   XXXX      Installment loan  for {$5000.0 0} I Applied a nd they denied.   They denied me because of limited  Credit Experience .   They only applied for a installment loan when i wanted to apply for them all.   Due to redlining and the  Homestead Act  i feel their practicing those discriminating acts on me.
I 've been struggling financially due to health issue and XXXX. I got an loan with Atlanta Check Cashers and agreed to {$25.00} as a payment to bi-weekly. I was late on payment and asked if I could skip a payment and pay when I can borrow money to cover skipped payment. They agreed and I thanked them .The next pay period {$25.00} was deducted .I noticed that I was charged late fee {$10.00} from a text that was ok but It was never told that it would be a recurring fee monthly. I was charged {$40.00} for car insurance and I do n't have a car I told Atlanta Check Cashers. The contract states that to contact company before 3 days .This pay period XXXX/XXXX/17 Atlanta Check Cashers deducted the agreed {$25.00} and an Unauthorized payment of {$95.00}. I called and customer service said " You Did You Did authorized when you gave us consent to withdraw {$25.00}. '' I did not authorize double payments.The payments came from two different transactions now my other bills are behind due to this unauthorized transaction from Atlanta Check Cashers on XXXX in the amount of {$95.00}.
I was XXXX from XX/XX/XXXX-XX/XX/XXXX. Upon being released I was informed that I was a victim of identity theft. In XX/XX/XXXX I filed a report and had the fraudulent accounts removed. Unfortunately their are still inaccurate items on my report I believe are due to identity theft and the thieves still having access to my identity. I would like these items removed immediately.
XXXX XXXX XXXX Account Ending in XXXX This card reflects delinquency in XXXX XXXX, XXXX XXXX and XXXX XXXX. However, this account has payment protection on it. First, the card had been attempting to collect on the delinquent payment and knew it was due to a job loss, but never applied the credit protection program that I had been paying for ( a subsequent bill is attached showing the charge for credit protection ). <P/>Specifically, please pay attention to pay 5 of the attached where it reflects the charge for the credit protection as : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1.00}, I have had this protection program since the accepting the card. <P/>Additionally, once the payment protection program was contacted they were to make all back payments, as well as remove the negative marks as it was an essential part of acceptance of the credit card as I had a reasonable expectation under the UCC section 2-201, that the minimum monthly payments would be made during the time of my job loss, and no derogatory marks be reported at inception and as a result of the promises made by the credit protection team. Further, the fact that XXXX XXXX XXXX attempted to collect on the debt knowing I had lost my job and not applying the credit protection program during our first communication in XXXX is a violation of UCC section 1-304, as XXXX XXXX XXXX was acting without good faith and with unclean hands.
Barclaycard posted my payment to the wrong credit card XX/XX/2016. Subsequently, I have logged over XXXX phone calls totaling more than 29 hours to resolved this issue. Unfortunately, they posted the credit card payment to a business account. The credit card side and the business side are distinct entities who can not communicate to resolve the problem created by posting the payment to the wrong account. Barclaycard has reposted the payment to the wrong account several times subsequent to the initial mistake while charging me interest and penalties indicating that I had not pay the amount. I have been told my manager after manager that the problem was solved. Today I have spent more than one hour again because Barclaycard is attempting to recollect {$1000.00} that was previously paid. Today I was told by the manager that Barclaycard " did not have the time and resources to review all three affected credit card accounts nor the hours of phone calls logged. ''
After multiple requests, Evergreen Professional Recovery has contacted me during working hours to try and collect a debt. I 've tried working with them and have let them know when they can call me ; however, they continue to call during those hours. The response I received from the representative when I told them when they could call, which is during their business hours, was simply unacceptable. Never should a representative say they wo n't call when the time that is given to them is technically during business hours. I even let them know and asked them to make a note that if they called during the hours I work I would seek legal action as it disrupts my job in XXXX.