WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern, by FDCPA any debt collector must be able to provide full validation : original contract with my signature on, cancel check, contractual agreement with original creditor show that you have the right to collect this debt, .... ).

A screen shot does not constitute an admissible validation according to the FDCPA. Not providing this constitute a violation of the FDCPA and make me entitle to monetary damage of {$1000.00} per entry. Please provide documentation or I will pursue monetary damage and a complaint with Federal Trade Commission will be filed if account is not remove from my credit file immediately.

Thank you in advanced for your quick response.
on XX/XX/XXXX I received a notification about a debt collector from procollect which the original creditor stated it was XXXX XXXX. As a result, I never lived at that complex let alone owe XXXX. I contacted the original creditor notifying them of the issue and I was told that I am not in their system and they don't have any records of me living there. As a result, procollect sent me a letter stating to provide identity theft information, police report etc. I DON'T HAVE ANY OF THAT FIRST OFF, I NEVER LIVED THERE, AND SECONDLY, THIS IS NOW 6 YEARS LATER, I NEVER KNEW SOMEONE GOT AN APARTMENT IN MY NAME AND NOW THIS CROOKED COMPANY IS TRYING TO MAKE ME PAY FOR SOMEONE ELSE 'S MISTAKES. I DON'T THINK SO AND I'M NOT SENDING IN NO DOCUMENTS THAT I DON'T HAVE BECAUSE I NEVER LIVED THERE SO IF YOU THINK YOU ARE TRYING TO SCAM ME OUT OF XXXX XXXX THINK TWICE BECAUSE BEFORE I PAY THIS RIDICULOUS AMOUNT IT WILL REMAIN ON MY CREDIT REPORT UNTIL XX/XX/XXXX. AND GUARANTEED THIS WILL NOT BE THE LAST COMPLAINT I MAKE I WILL MAKE SURE THE FTC COMMISSIONER KNOW ABOUT THIS CROOKED BILL COLLECTOR PROCOLLECT IS MAKING PEOPLE PAY FOR IDENTITY THEFT ACTIONS THAT HAS BEEN CAUSED BY SOMEONE ELSE.
GM financial refuses to release our lien. On XX/XX/XXXX, I sent proof of the cleared check and copies of my bank statement to GM. I was assured our lien would be electronically released XX/XX/XXXX. My husband went to the DMV XX/XX/XXXX, they stated the lien had not been released. My husband 's contacted GM and they stated our payoff was reversed. We supplied for the second time, that the check had cleared our bank and provided statements for a second time. They stated that they received notification from my bank saying the check was not good. I work at the bank. I have proof the check was endorsed by thier institution, processed through thier bank and cleared my financial as PAID on the XX/XX/XXXX. We contacted GM again on XX/XX/XXXX and they refuse to provide answers because they don't make the decisions in " this department '' we have talked to a dozen people since Thursday XX/XX/XXXX trying to figure everything out. The automated system says our loan is paid in full and the title was released on XX/XX/XXXX however they will not tell us why they are refusing to release the lien. We have provided PROOF 3 days in a row that the check is paid. We have contacted the company, and are just short of filing legal action against the company if this does not get resolved. Attached is proof for the 4th time that the check had cleared and my bank statement showing the transaction for the withdrawal of said check.
Deposited on XX/XX/XXXX {$860.00} into Bank Of America checking account. On XX/XX/XXXX a " Preliminary Injunction '' was filed by United States District Judge XXXX XXXX XXXX. A Judgement shall issue a check in the amount of XXXX payable to the " United States Department of Justice. 
1. Filled out a XXXX for California Request ( lien search ) XX/XX/XXXX and submitted that along with a money order to pay for the lien search to the Uniform Commercial Code online portal Office in my state where I 've taken up residency ; 2. Upon receipt of the search results, I found that there were no legitimate liens against me in the public record ( including no legitimate Internal Revenue Service liens ) ; 3.Made a true copy of the search results from the California Uniform Commercial Code office and attached it to a Notice and Demand sent to each of the credit bureaus. 
4 IRS Notice of Lien removed by credit bureaus. 
5.A valid lean by Internal Revenue Service requires a District Court Judge 's Signature, and whereas you are publishing a lien against me, and the attached XXXX shows no valid liens in the public record ; and where as this lien is damaging my reputation without cause, 6.Therefore, you are hereby granted Truth-In-Lending-Regulation Z District Court Judge who authorized the lien you are publishing against me OR to remove the lien from the public records.
To everyone reading my story, please have in mind that I am a CHASE private banking client, and if this is the way this bank treats their VIP customers, I can not even begin to imagine how they would treat their average banking consumers ... XXXX help us! 

On XXXX XXXX, XXXX I logged into my CHASE online banking account and noticed that all my 7 open credit card accounts were noted as closed. After calling the customer service, I was told by the agent on the phone that all she can see is that these accounts were closed due to bank 's policy and that I will receive a letter in the mail with more explanations within 7 to 10 business days. I also had a voice mail left on my phone from a woman named " XXXX XXXX '' from CHASE department of fraud operations with a phone number to call her back. I contacted this lady early morning the next day. She talked to me very rudely, and said that since few of my cards were stolen and CHASE was held liable for the large purchases made with these cards, I have put chase at undue risk for not being able to protect my cards and that she has gone ahead and closed all my credit card accounts. I asked her to reconsider telling her that I can send her a report of my finances along with police reports if required, but she declined and said the decision is final and there is no recourse. 
After a week, I finally received the aforementioned letter in the mail ( see attached ), and similar reasoning was used along with a few other things which I do not understand. For instance, in the letter, it says that the information received from merchants have linked me to the made purchases. If this is true, I do not understand why I have not been notified by the bank to take a look at this information. From my understanding, this is how a normal dispute process should proceed. Instead, I have been kept in the dark, and received a letter in the mail after 2 months saying that they have researched the charges and decided that my claim of unauthorized use is legit. What I can understand from this letter is that CHASE has decided to close all my credit card accounts because I have exercised my LEGAL right to dispute charges on my credit card accounts which I do not recognize, CHASE has lost money on me ( because of their own flawed system of fraud protection, not double checking with me when a big purchase is made which does not resemble my regular purchasing habits ), and so they have decided that I have put chase at risk and closed all my credit card accounts. THIS IS ABSURD. 
To be honest, up until this point, I have been a fan of CHASE bank. That is the reason I have kept a lot of money in my bank account to qualify for the private banking status and I would like to forget about what has happened to me and keep doing business as usual with CHASE. However, after this incident, If CHASE bank does not do right by me, and reinstate all my credit card accounts, I will make it my mission to make as much noise as possible on every social media outlets that I have access to, letting everybody know how I was treated as a private client of JPMorgan Chase Bank.
In 2016 American Express ended its role as the exclusive card for XXXX, with that role being taken over by XXXX. My existing AMEX/XXXX card had a balance at the time of the change and that balance was transfered to the XXXX account. Subsequently, AMEX mailed me an offer to open a new account with them ; the offer extended stated that balance transfers and purchases would be interest free for 15 months. Taking advantage of this I transferred the XXXX balance ( the original AMEX/Costco balance ) back to AMEX under the new, interest free offer. However, in the first billing cycle, AMEX charged me interest on the balance transfer made, contrary to their offer terms under which I made said transfer. 
I called AMEX and opened a complaint. After a month of not hearing anything I called AMEX and inquired of the status. I was told a decision was forthcoming. I waited another 4 weeks and phoned again. During this XXXX call AMEX made the assertion that the interest free offer only applied to purchases, not balance transfers, despite the fact that the offer letter clearly states both purchases and balance transfers would be interest free for 15 months. The customer rep supervisor asked for the offer number printed on the offer letter. I provided this to her and she responded that the offer number did not cover balance transfers. I replied that her position was that the document they sent me, which I still possess, which states both balance transfers and purchases would be interest free for 15 months, did n't say what what was printed on the paper. AMEX requested a copy of the offer, which I scanned and emailed to them. 3 days later I received a voice message from AMEX, saying to call them at the provided number and enter a XXXX digit code. I called the number, but the automated system requires a XXXX digit code. At this point I believe AMEX is purposely avoiding honoring their offer terms and purposely making it difficult to reach them in an effort to make me drop the issue.
I applied for the Chase XXXX XXXX credit card which was opened on XXXX XXXX. As part of this account opening I was to receive a {$300.00} travel credit for each calendar year which must be included on in your last billing cycle for that year. On XXXX XXXX and XXXX I made travel related purchases to ensure I received the full benefit. Chase decided to only reimburse me for the purchase on the XXXX informing me they has predetermined my close date would be the XXXX. This was not documented anywhere on the opening credit card documentation, and was not available to me on their website. I was not informed of this close date until after my purchases had been made resulting in a loss of {$130.00}. Considering the card has a {$450.00} annual fee this was not desirable. When I called to report, Chase agreed with me that the information was not published online or in my opening documents but would not reimburse me saying their system did not allow for them to correct this and that they would be doing nothing else to correct my situation. It was very disappointing how they acknowledged their own system limitations but were not willing to address the situation to make it right.
In my credit report are reported XXXX XXXX accounts that do not belong to me since XXXX XXXX I have done research for a check to be removed from my creditol report Which are XXXX # XXXX balance in Loss {$1100.00} this was opened in XXXX XXXX and XXXX # xxxx in positive, this opened in XXXX XXXX reports that I had a credit limit of {$500.00} that does not belong to me either. Despite the efforts that I have made, it is not possible to verify or the credit bureaus are not doing the appropriate steps to verify who the account is and apply it to the right person. In the investigation carried out now in XXXX I found that the XXXX account in loss reports that it is being paid as agreed which instead of removing this amount continue to report incorrect information. there are also reported open accounts of used XXXX XXXX XXXX # XXXX bal in loss of {$760.00} that does not belong to me and XXXX XXXX # XXXX bal in loss {$630.00} that does not belong to me.
Experian is not reporting all my Payment History information regarding an old credit card ( XXXX XXXX XXXX XXXX XXXX - XXXX ... ). This negative item has been in my credit report for more than 7 years, and due to lack of investigation from Experian, the item still in my report. I have submitted many disputes, but they still reporting inaccurate information ( payment history ). 
XXXX and XXXX are not reporting this account any longer because of the 7-year period. 
I submitted the last dispute to them one week ago, and they complete it in just two days. I believe they are not getting information from the credit card company. 
I need an advice of how can I handle this situation with them.
I have received an alert that IC Sytems has place two collection accounts on my credit reports. I dispute this debt and request debt validation and copies of all physical and electronic files sent to this company concerning this debt. This includes copies of contracts for service, Identification used to open account, billing and accounting for all amounts that claim to be due- There are two accounts one in the amount for {$190.00} and {$390.00} company XXXX XXXX . Please accept this letter as notice and I would like copies of these documents within 30 business days according to the FCRA and FDPCA laws. 

I called today at XXXX and was transferred twice they had no information and could not pull up my account. 

Please do not contact me by phone only mailing correspondence.
I have a collection/charge-off listed on my credit report of {$40.00} to Pinnacle Credit Service, LLC. I 'm not disputing that I owe the money, but I ca n't get any information from XXXX on what the debt is for or even how to pay it. I have emailed and left voicemail with no reply.
Have sent numerous requests by mail as to how my loan overpayments will be applied to my overpayments. These were my specific request would be handled : I am writing to provide you instructions on how to apply payments when I send an amount greater than the minimum amount due. Please apply payments as follows : After applying the minimum amount due for each loan, any additional amount should be applied to the loan that is accruing the highest interest rate.
If there are multiple loans with the same interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance.
If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest interest rate.
It is possible that I may find an option to refinance my loans to a lower rate with another lender. If this lender or any third party makes payments to my account on my behalf, you should use the instructions outlined above.
<P/>
Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified or please provide an explanation as to why you are unable to follow these instructions.
<P/>
Thank you for your cooperation.
Disputed account age and requested that XXXX verify and delete as account is over 7 years old according to my records. Instead, Wells Fargo re-entered the balance and past due amount, status, and re-aged the debt by changing the status date to XXXX. Disputed again with XXXX and attached letter sent to Wells Fargo. I continue to have MANY issues with Wells Fargo and their credit reporting practices no matter how many letters I have sent proving bankruptcy. I am simply asking that the account be removed is over 7 years old -- that was my dispute with XXXX. Wells Fargo 's actions caused my credit score to drop again. Also, this account may only be reported under closed accounts and negative accounts per bankruptcy code/laws.
I wrote a check from my bank ( XXXX ) to a person with an account at Chase Bank. My bank ( XXXX  ) paid the check on XX/XX/2018 to Chase bank. Chase bank is holding the check from the recipient so the recipient cant get the funds.
On XXXX XXXX, 2016 at XXXX cdt Springleaf collections phoned and left a message that XXXX XXXX wanted me to return her call about a debt. This was a robo call. 
On XXXX XXXX, 2016 I wrote to Springleaf on their internet portal. I told them that I do not have a business relationship them and never have. I then demanded that they cease and desist from contacting me. They called my phone and did not leave a message. 
Today, XXXX XXXX, 2016 at XXXX cdt the same robo call from XXXX XXXX left a message for me. I want them to remove my phone number from their call list.
bank chg a XXXX late feeI call wanted to get the XXXX processing add this would of got there in 3 days for pymt to process from where I live. 

cust ser did n't know it so they gave me XXXX add which took 6 days to process from where I live. 

This cause a late chg
XXXX XXXX XXXX is the company, i have paid XXXX dollars on a XXXX dollar loan. 

after 18 years of payments they are trying to foreclose on my home..they will now even talk to me about my load ... .i hve file complaints in XXXX and XXXX the frist company was XXXX/XXXX XXXX XXXX ... for perdatory lending.. my rates was XXXX then in the year XXXX it was handed over to XXXXXXXX XXXX XXXX XXXX. then in XXXX it was handed to XXXX XXXX XXXX 1 i have maid all of my payments but they are trying to forclose on my home ... 
please i need help to keep these people from talking me home. 

i am XXXX yeare old been married for 40 years, my health is not good was told i have XXXXXXXX XXXX ... about three weeks ago.. 
and i am a veteran i do not want to be homeless.. 
XXXX bless,
I understand by law I am allowed to get my free annual credit report from all three agencies, when I printed out the report they indicated that they would require payment of {$7.00} to give me access : " Did you know that your credit report does not include your credit score? '' What is the point of getting a report without the number? 

Please have them make them give you a score WITH the report. 

Thank you, XXXX XXXX
Pressler & Pressler has taken almost {$3000.00} from my account. They send all the letters to my old addresses which I can not respond too and then they have the right to seize all my funds. They have taken 4 times money out of my account. They have my correct address but still send all letters to my old addresses.. They even took all my child support money and the last withdrawal they took from my account was a week before XXXX! They took {$600.00} which left me broke XXXX.
This was never reported to the credit bureau by the presiding judge. It needs to be removed, and Equifax is refusing to remove it. I have disputed this with Equifax , with evidence, I have disputed this with CFPB with more evidence, and I am disputing it again. This is incorrect and if it is not removed in 24 hours, I am contacting my attorney, XXXX XXXX, to sue Equifax for damages for illegal reporting.
I contacted emerald Ar Systems inc around  XXXX  regarding the balance of  XXXX . I asked them to negotiate this amount based on a affordable settlement offer. This collection agency failed to renotify me of this debt and also failed to come up with a settlement offer based on the fact i do have a pre existing condition that needs further treatment for the rest of my life based on a accident i had back in the year of  XXXX . No one contacted me by mail or by phone regarding this account. I did my part by contacting them and trying to negotiate this matter so it was affordable and paid in full.
We were involved in an issue where XXXX promised to help us and extend the payments out on our vehicle when my husband lost his job. One day they came and repossessed our vehicle. They sued us for the money and we gave them a settlement but it still shows on our credit and we want it to show paid on our credit report.
XXXX   XXXX   XXXX  claims that I have  XXXX  charge off credit cards in the amounts of {$450.00} and {$940.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
I was in a car accident in XXXX and my car was totaled. the insurance company, XXXX, issued full payoff in XXXX. XXXX XXXX XXXX XXXX reported XXXX more on time payments and then late payments and charge off / collections for more than XXXX years after. i disputed the account in transunion and they will not accept the letter from the insurance company that acknowledges the payoff. i can not get anyone to fix this mistake. the account was not a charge off and how can there be XXXX on time payments after the final payment date.\?
Issue # 1 ) I 've requested to receive written communications ... everything is still sent electronically. I want a paper copy of EVERYTHING that happens with this company sent to my home address. Issue # 2 ) I requested a consolidated transaction history of all loans sent to me. I 've requested 5 different times. I have yet received a consolidated history. Issue # 3 ) ... and the most important. I 've called 5 different times to receive an answer and written evidence. A reversal on my account for XX/XX/2016 appears for XXXX but was never refunded. On XX/XX/2016, the same thing occurred. I was told there was some magic transaction that money was returned to the FED. But I 've again and again requested evidence that this was the case. Nothing!!! No written letter. Instead, it 's been some customer service agent reading notes on my account and guessing. It 's {$3200.00} ... I want proof of what happened. Otherwise, I think the company frauded me out of my money! Lastly, why was {$370.00} applied to interest on a payment of {$1100.00} made on XX/XX/2016. I make a monthly payment each month. I would say I make the minimum but I do n't know since I DO N'T RECEIVE THE XXXX STATEMENT!!!! I 'm told there are XXXX different loans and they all do something different and I sent my payment to the wrong address. AGAIN ... .I DO N'T RECEIVE THE XXXX STATEMENT!!!!!! Navient has messed my loan up so badly. I want a full accounting of my payment history on all my accounts. I want a printed copy sent to my home. I want {$3200.00} credited to my account that was stolen. I want all future communications sent to me in writing. I want an summary of the account loan and terms sent to my home. I want an explanation of the amortization schedule and P & I requirements. I want to understand what is happening with my loans. I work for a XXXX ... .I have for 10+ years. This is fraud and trickery abound here!
I am writing this complaint in regard to my mortgage compa ny Nation Star. I  applie d for the HAMP ( Home Affordable Modification Program ) bac k in  XXXX   XXXX . I faxed documents and the mortgage company took more than a month to respond to me and when they did they asked for documents that I had already sent to them. This went on for more than 2 months and each time they would say, we have n't received it or this is the lat thing we need to determine your eligibility.  <P/> So in  XXXX   XXXX  I re faxed everything again along with update bank statements and pay stubs. Fast forward to  XXXX   XXXX  and they now tell me I do not quality because the program has expired in  XXXX   XXXX  and they have put me in their own in house standard modification program where it decreases my payment by $  XXXX  {$15.00} per month. This is not a modification nor what I applied for. This  is ILLEGAL and  in direct violation of RESPA as well as many state and federal banking laws.  <P/> Upon doing research and contacting friends that work in the mortgage industry, I learned that the Home Affordable Modification Program  the ( HAMP ) progra m did not expire until  XXXX   XXXX ,  XXXX , the last day to submit applications, and the Modification effective date must be on or before  XXXX   XXXX ,  XXXX . Based on these dates, I certainly qualified. Nation star is trying to take advantage of me and my situ ation. By dragging their feet, until the deadline expired and using this as an excuse not to process my HAMP request, which I know I qualify for due to my decrease in income and upside down property value.