WillisBack/dataset-financial-user-claim huggingface dataset:
My letter to the company. They are trying to get money from me which I dont owe and steal my Identity. It makes me nervous because its on the collection now.     Request Ty pe I ha ve a dispute   XXXX    XXXX  - DEBT COLLECTOR Consumer ID  XXXX  Request Date 2017-  XXXX    XXXX  Details Hi, I received a collection notice from this company in the mail for the amount of {$25.00} fo r PayPal company. First of all I DO NOT have any PayPal account. I do n't even-know how pay Pal works. Second, this is only {$25.00} I dont have any reason why I will not pay this small amount. I would like to know what is this transaction, and please als o advise where did I purchase this transaction?? I would like to file a police report on this if this is proven not my purchase. I am worried now that my Identity is know stolen. Please advise asap so that I investigate what happened in this amount. Thanks, Account  XXXX   XXXX
These attached accounts DO NOT belong to XXXX XXXX XXXX after a thorough investigation was completed and no viable evidence provided. 

XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$2600.00} XXXX/XXXX/XXXX {$2500.00} PAYS 61-90 DAYS XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$1500.00} XXXX/XXXX/XXXX {$44.00} PAYS 31-60 DAYS {$1000.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$7300.00} XXXX/XXXX/XXXX {$7300.00} CHARGE-OFF {$3500.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$570.00} XXXX/XXXX/XXXX {$190.00} 120+ DAYS PAST DUE {$400.00} XXXX XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$5300.00} XXXX/XXXX/XXXX {$690.00} 120+ DAYS PAST DUE {$2500.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$4800.00} XXXX/XXXX/XXXX {$740.00} XXXX DAYS PAST DUE {$2300.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$5200.00} XXXX/XXXX/XXXX {$750.00} 120+ DAYS PAST DUE {$2700.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$770.00} XXXX/XXXX/XXXX {$170.00} PAYS 91-120 DAYS {$600.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$1800.00} XXXX/XXXX/XXXX {$300.00} 120+ DAYS PAST DUE {$1700.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$2600.00} XXXX/XXXX/XXXX {$350.00} 120+ DAYS PAST DUE {$2400.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$560.00} XXXX/XXXX/XXXX {$100.00} PAYS 91-120 DAYS {$400.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$6700.00} XXXX/XXXX/XXXX {$760.00} 120+ DAYS PAST DUE {$6000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$450.00} XXXX/XXXX/XXXX {$120.00} PAYS 91-120 DAYS {$300.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$5700.00} XXXX/XXXX/XXXX {$790.00} 120+ DAYS PAST DUE {$5100.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$840.00} XXXX/XXXX/XXXX {$150.00} PAYS 91-120 DAYS {$700.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$5600.00} XXXX/XXXX/XXXX {$1000.00} 120+ DAYS PAST DUE {$5500.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$3600.00} XXXX/XXXX/XXXX {$380.00} 120+ DAYS PAST DUE {$3400.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$3100.00} XXXX/XXXX/XXXX {$430.00} 120+ DAYS PAST DUE {$2500.00} Please update your records accordingly.
Debt collector has already placed notice of suit on file without contacting me. I have been informed it is a matter of public record as of XXXX XXXX.
On XXXX/XXXX/2016 I started the process to get a debt from AFNI , Inc validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report ( XXXX. XXXX XXXX XXXX, IL XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 { 15 USC 1962e ], which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. Within the 30 days as allocated by the aforementioned statute. they sent back copies of a phone bill totaling {$890.00}, and a letter stating ways to pay them. NO SIGNATURE ELECTRONIC OR OTHERWISE was contained in the response from AFNI , Inc . Anyone can make a phone bill with enough know how with Photoshop or many other free programs on the internet, I can take the same bill they mailed me and change it in about 5 min to make it look like THEY owe the bill. That to me is NOT validation of a debt, and none of the forms mailed to me contained any signatures of mine electronic or handwritten. They did mark their trade line on my report as " Disputed ''. Already with no proof of MY signature validating the debt, they have already broken Federal law, by not supplying it within 30 days. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, that they have broken Federal law, as good will giving them one last chance to have them to validate the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been one response from this agency. My follow up letter has been ignored, I have all documentation of my attempts of correspondence with AFNI , Inc, and will also be attached with my complaint. This is LEGALLY unacceptable.
I have been paying this loan for XXXX years and my overall balance has not gone down. They are not willing to work with me to help me make my payments lower. All they could do was offer me a temp 3 % interest rate and randomly I was taken out of the program. I was n't even told. Now my payments went from {$550.00} per month to {$800.00} per month. I ca n't afford it and I am going to have to file bankruptcy.
XX/XX/18 & XX/XX/18 both dates I received phone calls ( XX/XX/XXXX ) on my cell phone and ( XX/XX/XXXX ) on my home phone from XXXX XXXX XXXX asking for a person with the same name. Without verifying I am that person the party released they were collecting a debt and the company they were calling on behalf of, XXXX XXXX. Each time I confront about breaking the law about releasing that information their representatives hang up on me. My wife called back XX/XX/XXXX and spoke to a team leader named " XXXX XXXX '' confronting about releasing personal info related to said debt without verifying and the harassing calls by repeatedly hanging up and he as well released the info without verifying address or social security number. The request was submitted to cease communication from both numbers and they were notified a complaint would be made on the now three documented occasions of the release of private info.
To Whom It May Concern, The reason for my dispute is XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX XXXX 
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX, XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX, XXXX XXXX XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX. has not even tried to contact me regarding this collection
In reference to case number XXXX, you have closed the case although BBT gives me the run around and does not answer to charging {$36.00} per item when I opted out of the overdraft protection. In my view, you did a poor job. I did not report this to you so that you can compile statistics, I had hoped to get redress from the bank for abusive practices.
Fair Collections & Outsourcing Inc. advised me that they do not delete debts and I understand that I did not sign a contract with them for this debt that was owed to XXXX XXXX  account XXXX. This debt was settled and paid, but has been causing my credit score to be low. <P/>I was not aware of my consumer rights for accounts that were sold to debt collection agencies. <P/>Since I did n't have a contract signed with Fair Collections & Outsourcing, this debt should not be reported because I also have no payment history established with them. <P/>I would like this to be deleted from XXXX and XXXX <P/>The date this was recorded as paid was XXXX/XXXX/2014.
XX/XX/XXXX  - M y Milita ry   XXXX   direct  deposited into  my Rush Card account. On  XX/XX/XXXX  I logg ed on to check my balance and noticed transactions ( some pending, some completed ) that I did not recognize. I attempted to make contact with the company and resolve the issue. I could not determine the complete phone number of the merchant, so I contacted Rush card. I was unable to talk to a representative, just a recording that asked that I request a form be mailed out to me to report the fraud. I requested the form and then searched the internet and found a customer service email to report the unauthorized transactions ( emailed included ). The response was to call the  XXXX  number again. until I searched the internet and found an alternate customer service number. O n  XX/XX/XXXX , I  finally made contact with a rep, when I accessed my account to review the amount for the charge and the merchant, I discovered  XXXX  additional purchases totaling {$130.00}. The rep was unable to tell me how to resolve the issue, how to block the fraudulent charges or how to recover the money taken. I transferred my funds to another card and blocked access to my card. I contacted Rush card again on   XX/XX/XXXX   and was told by a rep that there have been  XXXX  additional charges that have been attempted to the card. Had I not taken personal steps to save my remaining funds, I would n't have any money left. It has been over 30 days and I have not received any communication or attempts to recoup the funds or replace my money taken by fraudulent means that I made the company aware of.
Transunion credit reporting agency is reporting XXXX XXXX inquiry that I do not recognize or authorized. I am asking that Transunion immediately remove XXXX XXXX inquiry off my credit report immediately based on the federal fair credit reporting act. I have requested several times with Transunion to have XXXX financial inquiry to be removed.
Information was given to XXXX by AllianceOne, a debt collection agency. AllianceOne was contacted and agreed that the debt was not mine, but insisted that they could do nothing about it. I stated that they gave the info to XXXX and they should be the one to inform them that the info was incorrect. They stated that I would need to dispute it with the Credit agency to have the info removed. I spoke with the agency and they said I needed to go to the reporting business. When I informed them that I had, they then said they would need a letter from the reporting firm. Typical catch XXXX there is no winning. Even though I disputed the info with XXXX it has not been removed.
My last payment on an old credit card issued by XXXX XXXX XXXX XXXX now XXXX XXXX and now sold as debt to Portfolio Recovery, was in XX/XX/XXXX making this debt passed the 6 year statute of limitations for debt collection in the state of Oregon where the credit card agreement/contract was signed. However XXXX, XXXX claims my last payment of {$1900.00} was made on XX/XX/XXXX, more than 3+ years passed my real last payment. Even more confusing, the debt collection account at Portfolio Recovery was started on XX/XX/XXXX, according to XXXX and XXXX. This doe n't make any sense. I have my bank statement from XX/XX/XXXX-XX/XX/XXXX and it shows no payments or deductions for anything near that amount or any cash taken out that would cover a payment like that. I did not make this payment. I believe it to be a shadow payment put on the books by XXXX XXXX to illegally extend the time limitations for almost 4 extra years. I called XXXX XXXX recovery department 4 times, they have my account information. They REFUSED to provide me with any details of my payment history to prove that the {$1900.00} payment was a sham. They went as far as telling me that they where in no way obligated to provide me any information on my account about payments because I was no longer a customer and because the debt was sold. Now Portfolio Recovery is now both buyer and assignee, which is also illegal. This debt is way passed the real statute of limitations time limit and the collection company refuses to remove it from my credit and the bank refuses to give any payment information to validate the debt, which is also illegal.
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
While checking activity on my credit report with Trans Union I found that I had a collection on my account added 4 months ago. It is from a collection company called XXXX XXXX XXXX claiming I owe the XXXX XXXX XXXX, a payday loan company, {$720.00} from XXXX. 

1. I do not recognize this lender and question the legitimacy of this claim. If this was a debt from XXXX why am I just hearing about this or seeing it on my credit report in XXXX. 

2. XXXX is a payday loan company. It 's illegal for payday loan companies to lend money to residents of NJ due to our usury laws. 

" N.J.S.A. 2C:21-19 makes it a criminal offense to charge, take from, or receive, from any individual, interest at a rate exceeding 30 % per year. Further, N.J.S.A. 2C:21-19 renders it a criminal offense to charge, take from, or receive, from any corporation, limited liability company ( an " LLC '' ), or limited liability partnership ( an " LLP '' ), interest at a rate exceeding 50 % per year. 

In other words, in New Jersey, charging, taking from, or receiving, from any individual, interest of more than 30 % per year is criminal usury. So, too, in New Jersey, charging, taking from, or receiving, from any corporation, LLC, or LLP, interest of more than 50 % per year is criminal usury. 

Criminal usury is a crime of the second degree if the rate of interest on the loan is more than 50 % per year. N.J.S.A. 2C:21-19 ( a ). Criminal usury is a crime of the third degree if the interest rate on any loan made to any individual is more than 30 % per year but less than 50 % per year. Id. 2C:21-19 ( a ). '' Payday loans usually have rates well over usury. I do not have any information on this supposed loan but would love to see the original loan agreement because I sure XXXX group llc and now XXXX XXXX are committing a criminal offense collecting a loan with high interest rates. 
XXXX XXXX XXXX. When searching for information about XXXX XXXX XXXX I have found reports of law suits and even a motion that has shut XXXX down resulting from a law suit from the FTC. 
XXXX XXXX XXXX XXXX The court has deemed the practices of XXXX XXXX XXXX as schemes and predatory. How can XXXX now prey on people who had loans from XXXX, if these debts are even valid, if they where shut down? Who is XXXX? Are they somehow part of XXXX XXXX XXXX? 

I ask that the Consumer Financial Protection and the credit reporting agencies please review my dispute. There is something not right with XXXX XXXX XXXX and their claim that I owe them or XXXX money. Please help me remove this item from my credit report.
On  XXXX   XXXX ,  XXXX , I received a n otification in the mail from Midland Credit Management , In  c, Asset Acceptance, LLC statin g that there was a Civil Procedure and Final Judgement against me from  XXXX  of  XXXX . I was asked to complete  a Fact Information Sheet and r eturn to sender within 30 days. The date of the letter is  XXXX   XXXX ,  XXXX . I have no knowledge of this situation. There is a  XXXX   XXXX  case number attached, when I looked up the case number it was filed in  XXXX  of  XXXX . Again I had no knowledge of this.
I graduated from XXXX XXXX University in XXXX, XXXX in XXXX of 2010. I started on my XXXX with University XXXX XXXX XXXX shortly thereafter. I have some private loans through Navient that I ca n't pay. I 'm unemployed. My cosigner has helped with my payments as much as she can but it 's too much of a financial burden to continue. I attempted to enroll in an extended payment plan that would greatly decrease our monthly payments. I first attempted to enroll in this program in late XXXX. I was told everything was squared away once my cosigner gave her financial statement. We canceled the auto-payments from her account. Once the new program was set up we were going to use a different bank account. But then payments were still being taken from my cosigner 's account. They took money out of her account several times. We called to rectify the issue. Every time we called, Navient would say another issue had come up or some data had been entered incorrectly. They said they were " making notes '' on my account so that the problems would be fixed. None of the issues have been solved. Navient told us that my application for the repayment plan had been denied because their supervisor never looked at it. He said he would make a note to have it expedited. It never happened. A representative last week told us that it was fixed and my loans were in forbearance for a month and the new payment plan would begin in XXXX. Yet my cosigner received an email that money is about to be taken out of her bank account. We received more emails saying that the program was denied with no explanation. I called Navient again today and they are still giving us the runaround. They said today that my cosigner must give another financial statement. And because they wo n't begin the payment program -- that I 've already made a payment for to enroll in -- my loans are now delinquent. They will not solve the problem. I asked today for copies of the notes they I 've been told are on my account but they refused.
XXXX companies reporting same information on credit report, entered into a payment agreement with XXXX of XXXX, Ca. on XXXX/XXXX/2016. They are accepting my credit card payments directly to them, therefor discovery financial has no right to report same information.
I made a written request to stop receiving phone calls, but they are still trying to harass me over the phone for a payment.
Have stated to Capital One numerous times that in XXXX of 2016 they had issues with their website not to mention that I had an incorrect address on file. My payment was not accepted and they then reported on my credit report that I was 30 days past due though they refunded my fees because of this. Every single time I call I get XXXX and I am not sure they even understand what I am asking. This is my last resort to report them to remove this information from my credit report.
I was denied a loan modification from BOA. I was involved in the class action lawsuit and received a check in 2013 from this action. My home is presently being sold as a short sale. My question is has the class action lawsuit for those who were denied loan modifications completely settled or is this issue still pending? If it is still pending who do I need to contact? Thank you for your time.
i have excellent credit just check my report using Trans Union they are XXXX creditor on my report all my application got turn down from these creditor trans union say i should call and ask for a deletion letter i call but keep getting redirected
Please note my complaint is against XXXX XXXX XXXX XXXX who does the billing for the Physicians at the hospital ans also against Lancaster Collections .I found out about this debt when I applied for credit and was denied due to this derogatory information being reported on my XXXX. Through further investigation, I found out that " XXXX XXXX XXXX XXXX. had placed my account with a XXXX party collection agency, Lancaster Collections. I never received notice of any such bill and had they sent the correspondence to me and or contacted me by telephone then I would have made an arrangement to resolve the debt. This is the XXXX time this year that this same exact scenario has played out.Where both companies FAILED to make an attempt to contact me via phone or email and just placed an account in collection.Therefore, I was NEVER afforded the opportunity to resolve the debt in a timely manner prior to it going to collections and effecting my credit in a negative way. The hospital has my current information and sends me a monthly billing statement every year. The first time it was in regards to account # XXXX and after speaking to XXXX from XXXX XXXX at XXXX ext XXXX she promptly resolved it by recalling the account from collections and having all derogatory information deleted form all national credit bureau agencies. Therefore, I should not be going through this a XXXX time around for a different account as they have my current address and telephone number. However, once again they placed me into collections and failed to contact me via mail or telephone in regards to my daughters account # XXXX and on XXXX/XXXX/15 I contacted XXXX XXXX at XXXX and spoke with XXXX at XXXX XXXX who ASSURED me that he would recall the account from Lancaster Collections as well as have any derogatory information deleted form the national credit bureaus. Unfortunately, he FAILED to follow through on any of this.
I asked XXXX to do a complete investigation and to furnish the proof according the FCBA Guidelines instead of their automated system that doesn't thoroughly verify the complete accuracy. As of to date XX/XX/2018 i have not received the requested documents of my disputes and everything has remained the same including a fraudulent account. So in faith of making money from the companies reporting I and others are left with with Inaccurate information. 
It's like the creditors and the credit agencies are working together all in the means of money. XXXX XXXX did tried to get me to pay for an account they no is not mines
i HAVE SEVERAL MEDICAL ACCOUNTS LISTED ON MY CREDIT REPORTS ( XXXX, XXXX AND EXPERIAN ) The accounts are from XXXX XXXX  and have been in DISPUTE FOR OVER 6 MONTHS. I have ordered my reports several times and the accounts just show as being disputed but they should have been removed.
On or around XX/XX/XXXX i applied for a mortgage, i received 2 credit inquiries on my credit report instead of one. One was on XX/XX/XXXX and the second was on XX/XX/XXXX under the creditor name CREDCO. I want one of the 2 inquiries removed so it does not drag my credit score down even more
Received a letter from ARA Inc. stating I owed a debt to XXXX XXXX. I have not had an account with XXXX in over 25 years.
I recieved credit alert from transunion and XXXX yesterday. When i checked my credit history i find a collection account reported from XXXX different address with XXXX different name for the same amount of money ( {$110.00} ). I have never recieved any communication or letter from all the collection agency reporting about the alleged debt i owe. The report is placed on all the XXXX credit bureau at this time. Duplicate reporting of the same debt constitutes inaccurate credit reporting which is a violation of the FCRA. The name of the company reporting the same negative information are creditor service of Morgan, Wakefield and associates from XXXX and XXXX.