WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern, Account Number : # XXXX / XXXX XXXX I have mail several documents requesting validation of XXXX XXXX requesting the following information : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : I have not received anything from XXXX XXXX  referencing i have a debt instrument with them. Per the Federal Trade Commission ( FTC ), XXXX XXXX is NOT following guidelines of what constitutes proper debt validation. I have NO contract with XXXX XXXX, I am not obligated to buy for the alleged debt. XXXX XXXX is the reporting inaccurate information on my credit report.

Im planning to apply for a VA mortgage loan, and XXXX XXXX  account is negatively impacting my ability to qualify.

Thank you for your attention, XXXX XXXX
I do not remember but in the past i put in a dispute about my old XXXX XXXX account to XXXX. XXXX i 'm not sure did not give my dispute to the other credit agency 's. XXXX XXXX caused my delquiency they charged my card that had a XXXX balance with a {$1.00} cents fee when i refused to pay it they charge me XXXX late fee. I thought it was a mistake and they will see it and correct it.I did n't understand how they can charge me a {$30.00} late fee when I had a XXXX balance. Another month past and they charged me {$30.00} again making my amount {$60.00} dollars on a XXXX balance and a {$1.00} fee. XXXX XXXX never sent me a letter saying they was going to charge me a card Fee if I knew this I would have close the account or never got a XXXX card in the first place.I feel The credit companies Equifax , XXXX, XXXX never investigated this matter.XXXX have the records demand them to release it to your. XXXX XXXX is doing unfair practices to get money and make people credit bad.I feel this information should not be on my credit since i did not cause the delinquency. Also many companies get my information from Equifax which have wrong information about me on it. Number one they have I worked from XXXX for the XXXX. I worked for XXXX since XXXX to now. Second They have multi same accounts on me. First XXXX/XXXX/XXXX is the same company so that is XXXX card. They have accounts that was open in XXXX still on my credit. I understand the XXXX years on the account, but it is not clear to me, is it from the year the account was open or when the account was close. Also there is a car load request on my account. I have never requested a car loan, I went to a dealership who requested my credit score. But I never signed off on requesting a car loan. Also Equifax have a lot of charge accounts on my report and I do n't. I do n't know what XXXX XXXX XXXX is and XXXX XXXX is a card to pay for reading glasses and other health expensive if I can get rid of the card I would but I need it for health issue if my insurance do n't pay for health issues.
I had purchased a Hotspot ( model Velocity ) at the XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX store, in full, with the unlimited plan on XXXX for {$130.00}, found that the device had no signal where I reside and returned the device under the 14 day return policy on XXXX ( within 7 days ) and was credited {$87.00}. Please see attached copy of my credit card statement. I was assured by the XXXX XXXX XXXX store employee that if I return the product and cancel at the store within 14 days that there will be no charges. I was not even aware that there was a restocking fee, as no one informed me. Please see their website regarding the 14 return policy at : https : //www.att.com/XXXX XXXX  XXXX I returned the product to the XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX store asking one of the agents to cancel the account and payed the restocking fee of {$45.00}. 

In early XXXX of XXXX I received a bill for {$140.00} and a letter that the balance will be forwarded to a collection agency ( please see attached ). I have called XXXX XXXX XXXX customer service many times, each time being put on hold and transferred to countless agents whom none of which knew how to resolve the problem. Finally after investing many days and hours I finally reached someone who was able to change the cancellation code in the system. Apparently, he said, the wrong cancellation code was used by the employee at the XXXX XXXX XXXX store where I purchased. Please refer to XXXX & XXXX recorded conversation associated with this account number for clarification. 

I am now harassed by Gatestone Collections on a routine basis even though I was assured by the last XXXX XXXX XXXX customer service representative in early XXXX that the collections account will be withdrawn. Even though the phone number is in my area code ( XXXX ), after some research, I found that Gatestone HQ is located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, ( XXXX ) XXXX. 

I sent a certified letter on XXXX XXXX, XXXX to retrieve the account from collections and cancel the debt to the following XXXX XXXX XXXX addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CEO XXXX XXXX. XXXX XXXX, Sr. Executive VP XXXX XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sr. Executive VP & CCO XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
I am a XXXX veteran and for the past 5 years I have been getting phone calls from Discover, Discover Credit card, discover Credit, Discover personal loans, Discover Home loans. The names that they use go on and on. I have been hassled by them so may time it is hard to remember all of them. About 3 or 4 years ago I received a call from Discover Home Loans stating that they own my mortgage and I need to pay them with in 30 Days or they will foreclose on my home! I call my mortgage company and was told that it was just another scam by Discover to seal people homes and that they still own my mortgage! And a few times I would pay Discover Card on line {$100.00} they would try to get {$10000.00} from my bank! Computer error they claim!
I filed a complaint with CFPB in XXXX. The issue was resolved to reflect that the account was paid in full with a XXXX balance per XXXX response to CFPB. I got a alert stating that the information was placed back on my credit report showing that I have a balance of {$120000.00} and pastdue of XXXX with monthly pymtss of {$840.00} per month as of XXXX XXXX
I sent a letter to DISCOVER FIN SVCS LLC letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and DISCOVER FIN SVCS LLC refuses to delete the fraudulent accounts from my credit report stating in a letter it 's verified. DISCOVER FIN SVCS LLC provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Midland Funding LLC XXXX filed a Notice for Wage EXECUTION, by XXXX XXXX XXXX and I am currently on medical leave for XXXX XXXX. XXXX did wrongfully shared my information first to Midland Funding and sold my information to XXXX XXXX XXXX, my employer received a wage exception notice to garnish my wages in the amount of {$210.00} weekly. This garnishment is also filed with the Superior Court of New Jersey and I am disputing this wage exception with XXXX. I would also like to report XXXX XXXX XXXX for harassment and for filing this claim against me! I would like for this wage garnishment to be removed at once from the Superior Court of NJ, and a notice sent to my Employer!
I resided at an Apartment unit for 2 years with no late payments nor issues. I was not present for the move out inspections and now the apartment sent the calm stating that there were stains on the carpet. I was then notified by National Credit Systems , Inc. by phone calls and letters stating that if I do not pay {$800.00} for the carpet stains that they will Garnish my wages or Seize and Auction my personal property. 
I requested proof and I was sent Black and White pictures that I ca n't see any stains.
XXXX   XXXX   XXXX . is saying that I owe {$250.00} for a hospital bill. I have no outstanding bills with this hospital or  XXXX   XXXX   XXXX . This was not me
Bank of America Home loans.  Tried to refinance debt on my own several times, currently awaiting an answer from a loan modification ; however note is under my ex husband name and I am willing to assume the debt.   I was served a summons from the court  on   XXXX   XXXX   XXXX  .  for {$220000.00}. Original note dated   XXXX   XXXX    .
I am a victim of identity theft. Apparently on XXXX XXXX, XXXX an account was opened in my name with XXXX on the XXXX XXXX of FL where we have never lived ( as per XXXX XXXX, of XXXX., the collection agency XXXX ). I filed a notarized " Identity Theft Victim 's Complaint and Affidavit '' on XXXX/XXXX/XXXX and took it to the XXXX XXXX Police where it was filed by Officer XXXX XXXX with case # XXXX and received a confirmation letter back from XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX ( XXXX phone number XXXX ). Both XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX ) have deleted this false information. My complaint is with Equifax. It is impossible to contact them without a confirmation number that they never supplied ( only a file number XXXX, XXXX XXXX, XXXX XXXX which they wo n't accept. Their online email dispute resolution form, which does not require the confirmation number, is driving me nuts. I 've filled it out three times with all the requested information but when I press Send I get the frustrating and disgusting message back " server Equifax.ai.com '' can not be found. Please help and report how this XXXX agency is absolutely miserable. They should have their license revoked!
This is about a 2nd home loan mortgage from First Republic Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX. The Loan was Funded XX/XX/XXXX. The loan number is XXXX. The loan document has a second home rider attached to it. The address of the property is XXXX XXXX XXXX XXXX XXXX, NV XXXX. On the second home rider item 6 Occupancy is in question. The home has bee rented out for short term rental since XXXX up to and including XXXX. XXXX. The home has been permitted to rent by XXXX XXXX Nevada and advertised in XXXX since XXXX. Item 8 Borrower 's  loan application is in question.
This about an AMEX business card. One of my employees was given a card for business purchases in XX/XX/XXXX. I discovered she was using this card for personal items and misrepresented herself. I closed the account in XX/XX/XXXX when I discovered the misuse. I reported this to AMEX and they closed her card and investigated {$21000.00} in fraudulent charges that were used for her personal use. They credited my account but in XX/XX/XXXX they recharged my account stating that since, it was a business account and I gave her a card, they were not responsible. Subsequently I submitted the information to the District Attorney and they prosecuted her and she is now in XXXX  due to XXXX XXXX  and XXXX XXXX. I told AMEX that the legal system takes time and paid down some of the debt but wanted to freeze any other payments. AMEX did not care and they sent the debt to collection. XX/XX/XXXX I re-opened the fraud case with AMEX and they requested information from the district attorney which she gave to them ( this includes a letter from the perpetrator admitting her guilt ). They said they would let me know in 30 days and I still have not heard any information from them as of XX/XX/XXXX. They offer no protection to me despite the government and legal system corroborating the criminal misuse of my credit card with AMEX.
on XX/XX/XXXX I initiated a wire transfer from coinbase in the amount of {$520.00}. Reference # I received XXXX. I 've already sent numerous emails to coinbase and just no reply at all I consider this stealing especially when I paid a {$25.00} fee to receive it the next business day.It 's been over a week now and still no sign of my XXXX
I 've worked hard for decades to maintain an outstanding credit rating that 's ranged right around XXXX. I take my credit report extremely seriously and always consider the impact on my score when making decisions that may have an adverse impact to my credit score, and ultimately my financial well-being. 

In XXXX of 2015 I obtained new employment which involved selling my home and moving my family. This move incurred over $ XXXX in moving expenses, all of which were reimbursed by my new employer once we were able to provide receipts evidencing the expenses incurred. In other words, the funds for my travel and relocation expenses initially came out of my savings and then were reimbursed by my new employer after the move. 

Given the safety, security and support that XXXX XXXX offers, my wife and I used our XXXX card to fund the upfront travel and relocation costs. Unfortunately, we did not realize what a detrimental impact that doing so would have on my credit scores. My score which was XXXX immediately dropped to XXXX ( XXXX point drop and below the XXXX A-Rating threshold for obtaining the best mortgage rates ). The drastic drop, I 'm told, is due to the fact that XXXX does not report a credit limit but rather reports the lifetime max that has been borrowed as the limit. In this particular case, $ XXXX was my lifetime max and thus it appears I 've maxed out my card. For this reason, my credit score has plummeted and now effectively puts me in a position where I face paying XXXX of dollars more per year on a mortgage because I no longer qualify for the best mortgage rates.
Chase bank closed all my credit cards without warning. This will adversly impact my credit score as it lowers my total available by over {$10000.00} making my utilization ( which was already quite good ) go down. There was no warning, I never missed a payment, I always used the card on time. There has been no reason given to me just that they were closed without warning and that I would have to re apply ( taking another hard pull ) while they just gave me this card a week ago, which means I got a hard pull for nothing and have to wait 2 years for it to drop off.
This Complaint is in reference to the information provided by th e Collection Agency   XXXX   XXXX   XXXX  in response to my most recent Complaint against the Agency ( #  XXXX  ; see attachments ) regarding the fraudulent debt assigned to it by  XXXX   XXXX   XXXX . I have attached t he USPS tracking inf ormation for Article #  XXXX , which the Agency alleges constitutes proof that I was indeed sent notification by the Creditor via Certified Mail of its plans to impose a claim upon my deposit, as required by Florida Sta tute 83.49 ( 3 ) ( a ).  Note, however, that this mailing was initiated on  X/XX/2016    -- or more than 2 months after the debt had been submitted to t he Credit Reporting Agencies -- in a blatant attempt to cover for the Creditor 's failure to comply with Florida Statutes well after the fact. As for the Agencys further allegation that Florida Statute 83.49 ( 3  ) ( a ) does not apply in situations where the tenant has " abandoned '' or " vacated '' an apartment, clearly the fraudulent notice sent by the Creditor via Certified Mail -- which must have been intercepted by the Creditor itself ( also a violation of Federal Law ) in an effort to prevent me from obtaining proof of its efforts to circumvent Florida Statutes, or else it would have been forwarded to me at my grandmothers residence, as specified in my change of address Confirmation -- is indicative in and of itself that Creditor is keenly aware that the concepts of " abandonment '' and/or " vacating '' are not applicable when the Courts have evicted a tenant and ordered the lo cal Sheriffs Office to take possession of an apartment on behalf of the landlord, as the Collection Agency has frequ ently pointed ou t ( se e attachments ).
XX/XX/2018 I submitted at letter to Kohls/Capone regarding an inquiry on my XXXX  Credit Report. I do not recall authorizing to get an account with their company Kohls/Capone Date : XX/XX/2018. I called an spoken with someone from Kohls/Capone XX/XX/2018 and that person stated that its no way they can remove it from my XXXX Credit File. I then disagreed with the company due to it being in violation of the FCRA.
secured a Reverse MTG in XXXX in XXXX was informed that our ins canceled and forced ins. of XXXX was charged to our acct. and that payment was expected. Telephone calls and faxes to XXXX XXXX, these included letters from our ins. agent and co. showing that our policy had n't expired since beginning in XXXX and that the Ins. CO. TAKES it 's payment electronically monthly. 
WE RECEIVED A CREDIT OF {$800.00} the amount of our ins. I told them a full credit plus expenses should be credited. 
XXXX another letter from XXXX XXXX telling us that {$1200.00} was due and payable by XXXX this was around the difference between what they charged us for ins, and what we paid. called Left message. 
XXXX/XXXX/XXXX another letter stating that unpaid ins. in the amount of XXXX has made the loan due and payable, if not pd. in 30 days. Called RMS XXXX XXXX explained everything, Faxed info to XXXX. XXXX/XXXX/XXXX called XXXX XXXX left message on voicemail " let me know if you received the fax info if you need anything else let me know '' XXXX/XXXX/XXXX spoke with XXXX asked about documents " waiting for confermation from the ins. dept. but we should be all set & receive a rebate ''. 
XXXX/XXXX/XXXX XXXX certified letters from XXXX, XXXX, XXXX XXXX atty. XXXX XXXX. we are still in breach of contract for failure to pay insurance. Faxed XXXX on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. Also called XXXX at NH. Banking Dept. Legal Div. 
XXXX at HUD forward written complaint ca n't do anything for me hire an atty. Called XXXX, on line application. Spoke with XXXX at XXXX. Spoke with XXXX @ XXXX go to XXXX Housing Counselor, XXXX at AHEAD Need certified reverse mortgage counselor that would be XXXX. Spoke with XXXX go on line national Consumer Protection Bureau she has had excellent results with them keep her posted she will see this to the end.
I received I refund from XXXX from a reservation that was canceled. I paid using my paypal account with a debit card ending in XXXX. I closed this XXXX account on XX/XX/2018 and PayPal proceed the refund on XXXX XXXX. Since I never received the money I called XXXX to see where my money went and they said the money is not on the account since it is already closed. I contacted PayPal more than 3 times reagarding my refund and asked them to put it in another account, they refused to do it since they claim the money is in my XXXX accout. Today they sent me an email stating they money is in a card ending in XXXX. I have no card ending in XXXX, the credit card I have with XXXX ends in XXXX. PayPal reduces to give me my XXXX.
I XXXX XXXX believes that I should have been notice from Stellar Recovery , Inc. that there was a balance to my account. I simply have no idea how this balance could be so large. However, XXXX is a public utility, and they are governed by a state public utility commission, not by federal Fair Credit Reporting law. Accordingly, I request a full accounting of the XXXX debt, in addition to a signed agreement or assignment from XXXX to Stellar Recovery , Inc . If there was never a true assignment, then the collection has to start from scratch, and I must be given notice that XXXX intends to turn the matter over to a collection agency. This item should go through the proper legal procedure before its placed back on any of my credit reports. I request XXXX and XXXX to mandate from this subscriber to follow the proper collection procedure as stated in FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

THIS ITEM NEEDS TO BE DELETED AND GO THROUGH PROPER PROCEDURES AS MANDATED THROUGH THE SUBSCRIBER AGREEMENT STELLAR HAS WITH EACH CREDIT REPORTING AGENCY!
I just received the response from the company ARS and they are once again not sending me any signed documents stating this debt belongs to me nor any information pertaining to show that this debt ARS is claiming is mine. Any information they have sent is just showing my name and charges received. It is still not confirming by any signature of documents or anything specific to show the debt from them is my debt. It could have been possible identity fraud due to my social security card, birth certificate, and passport were all lost together so Im trying to validate in anyway to see if this is my debt by a signature, photo in the building etc. I 've already reported my items lost and once again ARS is refusing to show me what signed documents or any information from the hospital they are collecting from that I was the one to agree to any charges. They are not even showing me the original agreement only sending a paper saying the debt is validated from another party and assuming I am the one who agreed to it.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of  XXXX    XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
This letter is in response to your recent claim regarding Acct # XXXX, which you claim I owe {$610.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
I tried fixing this problem with the company, and the sent me the paperwork to see what this was all about. It is for a bad check in California, which has a statue of limitation of 2 year it 's almost 4 years old. XXXX and Equifax have the account still open. On the invoice it has the check bad in XX/XX/XXXX and it 's been reaged to XX/XX/XXXX. XXXX, Equifax, and XXXX have it reaged.