WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : Original Creditor NameXXXX  XXXX To Whom It May Concern : This letter is regarding account # XXXX XXXX, which you claim i owe you. 
This is a formal notice that your claim is disputed. I have tried contacting your company and the address provided is a incorrect address. i am attaching the return mail to prove that this is inaccurate and false reporting on my credit. please remove thin incorrect inquiry as soon as possible as this is hurting me to obtain credit. i really hope we can remedy this as soon as possible. im keeping careful records of all communication with your company. depending on your response i will file a small claim court in my local county were you will have to attend. i have proof this is an identify fraud as my identity was stolen and i filed a police report. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap ..XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
I 've been a loyal customer with Paypal for over 12 years and would like to remain so if this is issue is resolved. Paypal charged my credit union twice when I never authorized them to. My credit union charged me XXXX overdraft fees costing me {$52.00} because of their actions. I will like Paypal to please have the courtesy of resolving this issue by calling me directly and paying for this over draft fee because of their actions.
The address under Experian on my XXXX credit report has been reported as a new address which is incorrect Experian has also filed a Collections for {$6700.00} under a company called : XXXX XXXX XXXX, whose telephone # is:XXXX. This collections was deleted from my report when a company called : XXXX XXXX agency was filing for collections on the same debt that the apartment that I was forced to leave because someone tried to break into my bedroom window while I was in the bedroom. I rented the apartment with my daughter. The apartment security gates were always broken leaving the complex available to all kinds of undesireables free access. I filed a police report, # : XXXX. Now this different Collections agency as named above is trying to collect through Experian We also felt really insecure in the apartment, and were afraid for our lives!
Debt was due to Identity theft. Fraus alert was activated. Original 'creditor ' was XXXX XXXX . XXXX were notified of dispute and asked to obtain verification of debt as I was not contacted when credit was 'approved ' by them. Fraud alert required them to call me personally. They did not. Subsequently the collection was taken off my credit report. 
Now, MRS Associates are trying to collect the 'non ' debt.
This is a notice of direct dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information and ownership of said account you have posted to my credit file - Acct # XXXX.

The date of last activity, payment history, and status* do not align across all bureaus. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), this notice includes identification of the specific information being disputed : XXXX, Experian, and XXXX   reporting for Acct # XXXX Date opened : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Amount past due : Experian : {$1800.00} XXXX : {$10000.00} XXXX  : {$10000.00} Date of 1st delinquency : Experian XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Last Payment made : Experian not reported XXXX XX/XX/XXXX XXXX   XX/XX/XXXX Reposession : Experian Not reported XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX *****PLEASE SEE  ATTACHMENT WITH FULL LIST OF LATE PAYMENT DISCREPANCIES FROM XX/XX/XXXX THRU XXXX also attached are the credit reports pulled from Experian, XXXX   and XXXX  that show the discrepancies that i'm referring to as proof Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation. 


Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

XXXX v XXXX XXXX, XX/XX/XXXXprovides a cause of action for individuals against furnishers of information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
For the second time this year Paypal allowed a stolen debit card of mine to be used for fraudulent transactions. 

One time is understandable, but twice is either negligence or policy. 

I was notified by my bank on XX/XX/XXXX that my card was used via paypal twice for {$100.00} each. There were several more attempts made but they were able to block the use of the card. 

I contacted paypal regarding the issue and they claimed the card was swiped in XXXX ohio for the transactions and they would not refund the charges. 

I was not in XXXX ohio on the XXXX and have not been there for over 20 years and the card was never out of my possession. 

They basically said I was lying and they would not do anything about the charges. 

Like I stated above back in XXXX of this year they stole {$1300.00} from me and took over 2 weeks to give it back. Since I dont have a paypal account they were more worried about their customer being upset than the money they stole from me. 

Again, I have the card, it nor I was ever in XXXX. They continue to show that they make money off of the fraudulent charges and they dont care that non customer victims are being screwed by their incompetence. 

Here are the details of the transactions : Card # XXXX XX/XX/XXXX DEBIT CARD PURCHASE OUTSTAND AUTH XX/XX/XXXX XXXX as XXXX XX/XX/XXXX ( Cash ) - {$100.00} Processing DEBIT CARD PURCHASE OUTSTAND AUTH XX/XX/XXXX XXXX as of XX/XX/XXXX ( Cash ) Amount - {$100.00} XX/XX/XXXX DEBIT CARD PURCHASE OUTSTAND AUTH XX/XX/XXXX XXXX as of XX/XX/XXXX ( Cash ) - {$100.00} Processing DEBIT CARD PURCHASE OUTSTAND AUTH XX/XX/XXXX XXXX as of XX/XX/XXXX ( Cash ) Amount - {$100.00}
I surrendered my property as part of bankruptcy in XX/XX/XXXX. I was discharged in XX/XX/XXXX. I can send that doc if you like. Bank of American continues to send me threatening bills for my mortgage.
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
XXXX   XXXX  , 2017 I summited a complaint through   XXXX   XXXX   and   XXXX   XXXX  . Amount is {$310.00}. The amount owed is incorrect
All THREE Credit Reporting Bureaus- Equifax , XXXX  and XXXX are FALSELY reporting an Unverifiable Bankruptcy that has been REMOVED from my XXXX XXXX XXXX by XXXX XXXX since XX/XX/XXXX. 

I have disputed the Bankruptcy Report several times with ALL 3 Bureaus to NO AVAIL.It is Fraudulent Reporting. 

I have submitted the Removal VERIFIED BY XXXX XXXX DATED XX/XX/XXXX TO all 3 Credit Reporting Bureaus. 
I have a copy of my XXXX XXXX XXXX XXXX  Dated XX/XX/XXXX. 

All Three Bureaus Refuse to remove the Bankruptcy stating it has been Verified by XXXX XXXX. 
NONE OF THE CREDIT BUREAUS HAS REQUESTED A RISK VIEW REPORT UPDATE IN MORE THAN 22 MONTHS AS REPORTED TO ME BY XXXX XXXX. 

I was denied an Automobile Loan in XX/XX/XXXX because of the bankruptcy. 

Further All 3 Bureaus indicate my 'oldest ' credit account is 4 years old ... I have credit cards that are 8-12 years old and perfect credit.
I have reached out to BOA, because the information they are reporting on my credit file is not correct. I reached out to BOA on several occasions to get the correct information on my credit file, but they keep reporting incorrect information. I have emailed the company, certified mail, and challenged per my credit file, but BOA has not updated my credit information with the correct info. 
I have already spoken with your office about this account several time per the FCRA it is well over the XXXX days response time to respond to my request. It actually been over a year I have been trying to get bank of america 's derogatory information off of my credit file. BOA is in violation of multiple FCRA violations by knowing continuing to report erroneous and false information that I have asked numerous time to be validated which it was not.
I noticed that an account XXXX was reporting that I was over my limit and behind on payments but I know this was not true so I filed a dispute witjh XXXX regarding this ... in fact I had to call them because I am unable to file a dispute online due to some error I receive trying to logon I have photos of the error. When I spoke with XXXX and explain to them the situation that I have 2 accounts that are simular but different in account numbers and gave that information to them. I then received the results from my dispute saying the information was not changed that it was correct so i called again and this time it was corrected a couple weeks later I checked my credit again and all the same information was back again and is still there now. I am unable to dispute anything with XXXX unless I call them during business hours which is a difficult time for me. I have also tried contacting the creditor with no results. I have another account XXXX that is in collection and they are switching the accounts back and forth to try and confuse the situation and I believe they are manipulating my report using these accounts. I am attaching photos of my account in question and other accounts regarded. Thank you
XXXX XXXX XXXX XXXX called me on my work number by way of a robo call ( XXXX ), that left me a number ( XXXX ) to call back, and an account number and zip code. When I called back the person who immediately answered the phone did not state their name or the name of the company, she immediately said, thank you for holding. This was a cause for concern for me as usually when a call is answered at a business, the person answering the phone states the name of the business and their name, not thank you for holding especially when you were never on hold and had just dialed straight through. I asked the person who answered the call who they were and what was the nature of the call, she immediately asked me if the last 4 of my social was XXXX and if my date of birth was XXXX. I asked again who she was and the nature of the call and she refused to tell me who they were or the purpose of the call because I would not verify the last 4 of my social and date of birth. I explained to the person that I was not doing any of that and again asked who exactly this company was and what exactly the purpose of the call was regarding. Again the person stated that she was not able to do so unless I verified my personal information. I explained to the person that as far as I was concerned this could be a scam due to her lack of providing me the nature of the call, and more information regarding the company especially when this company was calling me at my place of employment with vague responses. The person yet again told me that she was not able to provide me any additional information without me first verifying my social security number and date of birth. My last statement to this person was that if in fact this was a personal business matter involving myself, that they needed to contact me on my personal cell number and not at my work number. The person asked me to verify my cell number to which my response was that if this was in fact anything dealing with me personally, and with them already utilizing my work number that they should obviously have my personal cell number. The person then stated that she would have my work number removed from their system. I've also attempted to visit the website that the robo call provided, however when utilizing the " account number '' provided by the robo call, the system is still asking that my information be verified without any indication what this is in regards to. For this reason I believe that this company is acting under false pretenses and could possibly be a scam to gain information from consumers. I have XXXX  both telephone numbers, neither of which show to belong to a company called Direct Recovery Services LLC. I have however discovered others who have complaints about this robo caller, but again nothing to show evidence that this is a legitimate business.
XX/XX/2016, I recieved a letter from LoanCare ( our new mortgage servicer ), which stated an escrow shortage. Our payments were going up by {$300.00}. We were given the option to pay the shortage and have a lower payment amount of approximately {$1000.00}. We agreed and paid {$3300.00} XX/XX/XXXX to cover the shortage amount. XX/XX/XXXX, we received another letter from LoanCare stating that there is another escrow shortage in the amount of {$480.00}, and our payment for the next 12 months will be {$1100.00}. Our monthly escrow payment is {$360.00}. As per RESPA, the maximum amount allowed as a cushion in escrow would be {$720.00}. The statement shows an escrow balance of {$860.00}, but they are requiring even more. They require that we have {$1300.00} in escrow. I called LoanCare today to inquire as to why they are requesting so much, and to tell them that Arizona State law has a maximum of 2x the escrow payment to be required for a cushion. They said to put it in writing and to email them. I do not feel that I should have to jump through hoops to get them to comply with RESPA guidelines, and have a higher payment in the meantime. In the past, they have hung up on us, failed to explain why we had a shortage to begin with, yelled at us, and flat out refused to do anything. They keep sending us pre-foreclosure notices, and letters stating they are going to do a home inspection at our cost. We 've paid XX/XX/XXXX payment, and will be making XX/XX/XXXX very soon. All of these shortage costs are causing a lot of financial stress. I do not feel this loan servicer is ethical, fair, or abiding by the laws. I am a victim here, and I feel that they are doing everything they can to force us into foreclosure.
I received a letter dated XXXX/XXXX/XXXX titled " Litigation Notice '' stating I owe XXXX for a debt and if I do n't pay I would have a judgement filed against me with additional fees and 10 % interest. I called today XXXX/XXXX/XXXX and was informed that the paperwork was already turned into the court and they were filing aggressively since I owned property. I asked if I could have a detail of the charges sent to me and was told NO I would receive a copy when I appeared in court. I informed him it was my legal right to know the charges and he informed me that I was wrong and I would receive them in court. The only information he provided was it was for an old XXXX XXXX XXXX XXXX Credit card that was written off XXXX XXXX in the amount of XXXX. I stated the legal state of limitations in XXXX is 4 years, and he told me that did n't matter. I asked how long do I have to research this and get back with you and was told I have until this Friday! I stated I have never received anything by mail from your company, do you have records showing where I ignored previous attempts to resolve the matter as the letter stated, and he could not provide any dates correspondence was sent. This letter is threatening to garnish my wages, levy my Bank Account, place a lien on my property and suspend my driver 's license. It does not reference any breakdown of the charges or company that I originally owe the debt to. In doing research, I can not find the company the letter was sent under " XXXX '' XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX when I google the address it shows a grocery store. It also states that I will have to pay P & L Acquisitions a 10 % interest as well, and when I google them I found all the false claims other consumers have made against this alleged company and I do not feel safe providing my personal information to a company that can not provide me any documentation showing they own this debt and the breakdown of the charges I owe. Also the person that signed the letter was XXXX XXXX and he states he is a legal Administrator but I can not find any credentials on him as well. Please advise me on how to proceed.
Please see uploaded documents. Select Portfolio Services ( SPS ) is giving false information to XXXX  by reporting an account in my credit report as derogatory that is older than 7 years from the date that it FIRST and ONLY time became delinquent ( XX/XX/XXXX ) Please see uploaded supporting documentation. Motion presented BY SPS on XX/XX/XXXX to US Bankruptcy Court of PR case XXXX. Here SPS clearly told the court that the mortgage debt was 71 payments in arrears from XX/XX/XXXX. Therefore 71 months minus XXXX XXXX will give you a date of delinquency of XXXX XXXX, not XX/XX/XXXX as SPS had FALSELY stated to XXXX. Therefore SPS has to remove this account from ALL credit reports and STOP PERMANENTLY from further reporting this account as derogatory on ALL credit report agencies. SPS is in violation of 15USC section 605 ( 4 ). Please order SPS to remove this account from Experian.
I was living in XXXX XXXX XXXX XXXX XXXX XXXX in from XX/XX/XXXX to XX/XX/XXXX. I had a two bedroom second floor apt XXXX XXXX XXXX. In my bedroom there was a roof leak when it rained. I removed paint on walls to find mold, I did a Mold test. It was positive for Black, Brown, Green Mold. I told XXXX about it and they sent a maintainance man over and he painted it wit XXXX just to cover the stain and repainted it. I became very sick with XXXX XXXX XXXX XXXX. I moved for 1 month to a one bedroom, I was told by my XXXX XXXX XXXX XXXX I need XXXX  XXXX, XXXX, and XXXX XXXX XXXX. I lived in XXXX alone, I had to move back to XXXX where I am currently living and since have advanced to XXXX XXXX XXXX XXXX XXXX which XXXX from XXXX to XXXX. I have 2 of the same collections on my credit report from XXXX XXXX ... ... XXXX.the Legal Dept I spoke to said they were two duplicates of same debt. The Debt is not even acuurate to start with as I paid my rent and had to leave for Medical reasons my XXXX believes is form environmental Mold in Apt . I am XXXX from the XXXX, and in treatment for the rest of my life till I die. I will be needing housing as my final resting place as I currently live with my XXXX yr old Father who has had XXXX XXXX, I can not get approved because eof these False Derogetory Marks on my Credit Report. I do not have funds to hire an Attorney as I um under Poverty Level by XXXX State Law. I became ill because of XXXX XXXX, Never was late on my rent was an excellent tenant ... and this is now at the end of my life what they are trying to do.False debt,2 of same when I owe nothing to begin with paid rent and I believe they used my security when I HAD TO LEAVE. I am not a Deadbeat ... I pay my bills. Iam willing to settle even though this is a False Bogus Debt x2, for {$100.00} dollars to have this removed both from my credit report, I have contacted local news and TV of this. Please help me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. My current XXXX is XXXX XXXX XXXX Director of XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, if you need to verify the status of my illness. I should be suing them for my XXXX, but instead they are nasty in the Legal Dept and will not remove at least one of the False Debts, never mind both. Thank You for uour time and consideration.
Midland Credit Management has been repeatedly harrassing my elderly parents who XXXX to collect a credit card debt that I do not recognize and refute. I am XXXX XXXX XXXX and have not lived with them in 22 years. Even after my parents said repeatedly that I do n't live there, the agency continued to call incessantly. The collection agency disclosed the amount of debt and debt history ( which again I do n't recognize ). They threatened to publish my name and parent 's name in the papers. They have filed papers with XXXX XXXX XXXX and told my parents that the XXXX would be coming to collect. It is not a high amount they want XXXX for what they claim was originally a XXXX debt. But, they have made my parents lives miserable. I do n't want to give in to such bullying and I believe they have acted illegally. I want them stopped. Please help