WillisBack/dataset-financial-user-claim huggingface dataset:
I spoke to your company before and informed you that I am in dispute with the medical service provider and that you needed to validate this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION.. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you and provide a detailed, plain and simple list ( not coded ) of any and all services or a line by line itemization report of charges. If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. If so please delete from collection. Ive had Medicare insurance for the past 18 years.

Thank You
Hello im not sure if I chose the correct category that gives insight on my issue. Im having issues with XXXX XXXX. I tried disputing the company because I'm not quite sure what loan this debit collectors is working with, and when i tried calling a year or two ago the customer service representative was rude and nasty so the call ended before information was ended. I have not received any mail stating what, when and how this loan came about. The account state that it was open in XX/XX/XXXX and i never opened opened an account in XX/XX/XXXX, I'm listed in public records now as of XX/XX/XXXX and i never received notice. I tried disputing this company and that didn't work, the amount owed is $ XXXXon one report. I do have debt from XXXX that im trying to get removed for identity theft the initial amount being {$300.00} and with late fees {$420.00}. I initially thought that these two accounts were the same, But the amount is different. As of XX/XX/XXXX they have listed that i have paid on this account and i never have!! Isn't this fradulent! I tried disputing it again today from credit karma and it's not going through.
We traded in our Leased Car. XXXX Honda said they will pay our Mileage fee, they said bring them the bill once I receive it and they will cover it. My wife brought them the bill and they said they will take care of it. The bill was for {$190.00}. A few days ago I started receiving several calls from Honda saying we owe {$190.00}. We called the dealership they claimed they handled it. Today my credit was hit with a late payment for the {$190.00}. Being a former debt collector, their collection team practices abusive collection practices. I was call 5 times in 10 minutes by their company. I have attached a copy of the missed calls from there collection department. I am demanding that they delete the negative mark on my credit as we never missed a payment and paid the lease off 2 months early. XXXX Honda was responsible for paying the {$190.00} mileage fee as per our contract when we purchased a new vehicle from them.
I reached out to Ditech Financials on my sister 's behalf in the latter part of XXXX to see about applying for the HARP program, I was misinformed my a representative that the Government had discontinued the HARPS program. Upon learning that the information given to me was false, I contacted Ditech once more whom then informed me they would not be able to offer the HARP program to my sister who resides in NY due to the fact that they do not have a license to fully service her loan, being they are in AZ. We then attempted to apply for a home modification. Within days of receiving the application, two representative of Ditech informed me that they had made internal changes to their policy to not consider applicants whom had filed for bankruptcy. My sister had indicated on her application she filed for bankruptcy in XXXX of this year. She is a single working mother who is not behind on her payments but is struggling somewhat due to recent internal changes with her employer of 22yrs. She has ties to the community with family, friends, church and such and is fully committed to retaining her home. All she is in need of is some assistance in stabilizing herself and family as she goes through this financial hardship. What she is getting from Ditech is a bias resistance to assist her accomplish this. To add to that, the denial notice she received this week from Ditech says she can take her concerns up with the New York Dept of Financial Services ; however, the number provided in that notice from Ditech is for an XXXX XXXXXXXX XXXX. I find the handling of my sister 's case to be disturbingly inappropriate. She was not the one to select Ditech. Her account was transferred to them from her prior mortgage lender. That practice alone is unfair as they were not equipped to fully service her account. To add to it the misleading information on the HARP program and the policy changes made after receiving her application is unfair business practices. the XXXX XXXX only adds insult.
My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 

XXXX XX/XX/2015 Banking XXXX XX/XX/2015 Banking XXXX XX/XX/2015 Banking I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.
Implying they are from a legitimate government agency and threatening to notify police to serve me at my place of employment if I did not pay by XXXX.
On XX/XX/XXXX I purchased a XX/XX/XXXX XXXX from XXXX County XXXX XXXX Kentucky. I originally was told by XXXX XXXX XXXX Owner and General Manager that I was buying the vehicle for {$10000.00} and financing with Huntington Bank a small loan of {$1000.00} after putting down {$9000.00} cash. I later checked my XXXX XXXX XXXX sales sheet and discovered that the dealership with Huntington Bank 's assistance copied XXXX different sales sheets together and falsified the amount that I purchased the vehicle for from this dealership. I have faxed a copy of this false document that surly Huntington Bank did see in processing my car loan with them. I also discovered that the dealership forged my name on a XXXX fast cash loan document for another {$3500.00}. XXXX has told me they have started a bank fraud investigation against this dealership in this matter. I am XXXX Years Old and just got out of the hospital for two weeks and XXXX. Huntington Bank now has me owing them a car loan to them that my name was forged on their loan documents, clearly also the dealership used a false sales document that ultimately has me owing over {$23000.00} for a XX/XX/XXXX XXXX that has a blue book value of less than {$6000.00}. 

Huntington Bank and XXXX XXXX XXXX committed bank fraud against me and actually according to XXXX had even their money sent directly to the dealership and at no time does this money show up and is accounted for in this transaction. I have also filed a Complaint against the dealership and asked the State of Kentucky also to investigate this situation. Huntington Bank has me paying the Dealership a large amount of Dealer Reserve with an interest rate of nearly 5.0 % for 72 months even though my credit score is XXXX XXXX. 

I have asked the Dealership Owner to take back this vehicle since they committed multiple counts of bank fraud and the Owner has simply just threaten me.
I deposit a {$6.00} check to my BB & T checking account and the bank mistake it for a {$6000.00} check and credit me {$100.00} to my account. not knowing i use the {$100.00} and now I been hit with overdraft fee.
I called fedloan servicing on Wednesday. Once I was identified as a servicemember, they transferred me to a Military Team member. This person rattled off a list of services that were available to me a servicemember. I told her that I knew about them and was not interested in them and that I was calling about a credit verification letter only. On Friday morning, I received notification that my general forbearance had been approved. At no point was this ever discussed with me or requested. I called fedloan servicing. Their representative said that she removed it but that was all she could do, and that it might still capitalize my interest, as are the terms of the general forbearance. I spoke with a supervisor who said he would submit a complaint on my behalf internally but could not assure me that they would even listen to our phone call or do an audit of the other accounts this person worked on. Further, if my interest was capitalized then I would have to call and address it again at that time. I do n't know if this is a general practice for student loan borrowers identified as military members but I am concerned that it is.
Encore Receivable Management has been contacted three times in writing and twice by phone to cease communication except by mail. They continue to do so, repeatedly, sometimes as soon as fifteen minutes after contacting them by phone. Have asked for verification according to FDCPA rules and have received nothing except a blank itemized paper ( you owe us $ xxx amount ).
Chronic 'disputed ' credit card charges on Statements and my online account from my XXXX Chase Bank Card of resolved disputed/unauthorized use by XXXX of {$89.00} on XX/XX/XXXX or XX/XX/XXXX, & again an alleged charge on XX/XX/XXXX by same company. 
Each time I receive a call from Chase or see charges on my statements, regardless of the resolved disputed/unauthorized charges, I have to keep disputing ( this same charge has been happening for five months now, as this 2x 's resolved charge from XXXX of {$89.00} keeps reappearing on my statements ). 
I have already received two ( 2 ) letters from Chase Bank Card Services telling me my dispute for the unauthorized {$89.00} charge from XXXX has been 'RESOLVED ' : *1st Unauthorized Charge Dispute 'Resolved ' letter of XX/XX/XXXX for XX/XX/XXXX charges, and *2nd Unauthorized Charge Dispute 'Resolved ' letter of XX/XX/XXXX for XX/XX/XXXX ; *both of these disputed charges are from the same XXXX company and all appear to be near the same date. 
Regardless of letters proving the disputed company 's fraudulent charge has been resolved, it keeps showing back up on my statements with a different date. 
I'm wondering if the company, XXXX, is fraudulently charging my account on all these dates, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX of {$89.00}, or what is going on at Chase Bank Card Services. 
Despite these charges, I have never received anything or product from the charge, nor did I authorized any use of my credit card from disputed charge companies. 
Also, be aware that the XXXX Chase Bank Card account has done this to me before, with an unauthorized charge of {$39.00} from XXXX XXXX   back in XX/XX/XXXX that was disputed and resolved. This disputed & resolved unauthorized charge kept getting placed back on my charges statements to the point that I paid the fraudulent charge to save my credit. 
I'm not going to have to pay for fraudulent charges to save my credit again. 
I will greatly appreciate some help, and a look into this chronic disputed & resolved then charged again matter on my XXXX Chase Bank Credit Card. 
Thanks
I made the payment on  XXXX   XXXX  i handed a check to teller the check was cashed and money was deducted from my account on  XXXX / XXXX /  XXXX   i recieved a call on  XXXX / XXXX /  XXXX   about a missed payment i returned the call  XXXX / XXXX /  XXXX   told huntington national bank that i had made the payment they wanted a fax of check front and back i went to my bank pnc faxed it on  XXXX  called huntington national to have them verify recieving it they said it would take a day to go through i called again on on  XXXX / XXXX /  XXXX   they was unaware of the fax then found it said it would have to be researched i called again  XXXX / XXXX /  XXXX   and was told that it needed researched i have given huntington natio nal 4 w orking days to repair my credit report and havent had it done yet i would like my credit history mended and account current
On checking XXXX XXXX, XXXX XX/XX/2018, there was a new derogatory report filed at the page : Derogatory Account Southwest Credit System XXXX XXXX XXXX # XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2018 from XXXX  Once again, a cheesy, sub-par debt collection agency utilizes the credit monitoring system in order to harass and intimidate those who are struggling to maintain what little positive credit score remains after a major financial setback. If it had any capability at all in collecting the debt, it would not need to resort to blackmail in order to achieve its goal. In the first place, the debt was not owed to the company listed but from a third-party source that knew well the risk involved in an uncollateralized and unsecured loan. In this modern society where individuals and companies are held accountable for political correctness, these low form debt collectors are allowed to operate freely and without restriction. In collusion are the credit monitoring agencies, XXXX, XXXX XXXX and XXXX in reporting unsubstantiated claims without at least consulting the target of the harassment campaign.
I had previously had my home phone disconnected due to non payment. I paid XXXX XXXX directly and they reconnected my phone, The collection agency they had turned it over too reported it to all collection bureaus. I have sent them notification that this was paid and if I had not paid it I would not currently have phone service. I have sent numerous letters by mail including certified mail, emails and made phone calls to dispute this. They have still not removed from my credit file. 


XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$230.00} Original creditor : XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX  XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXXXXXX XXXX, SC XXXX ( XXXX ) XXXX I do not know what else to do. Can you please look into this.
Loan no : XXXX with Mr Cooper aka Nationstar mortgage. 
An error was made in my XX/XX/XXXX and XX/XX/XXXX payments. Payments should be {$930.00} but in error {$960.00} was charged due to their calculating my ARM index margin incorrectly. The loan is tied to the 6 month CD index. This in spite of the 6 monthly ARM notice clearly indicating {$930.00} being the correct payment. Although I have made repeated requests they seem unable to fix the problem. The solution is simple reverse the incorrect monthly payments and replace with the correct principal and interest and apply the overpayments to principal. 
The errors although small in $ terms pose questions about their internal controls. Why are they able to make payment changes in contravention of the 6 monthly ARM notice and why are they not able to make a correction within the timeliness requirements as required under RESPA.
I have been dealing with this company for months, they refuse to lower or change my payment plan. I am very low income and I have been getting no where with them. I have called and it is pointless, I basically get " too bad so sad '' type of responses. I send letters via postal mail and get no where, I either get double copies of forms sent to me that I have already sent to them with no explanation to why they are sending to it to me or reponses that make no sense to what I had inquired about. They are now threatening over a XXXX dollars by XXXX which is COMPLETELY out of my income bracket, I live with my dad due to my sufficently low income status and am on goverment based health care for low income. I am also attending school, as they are still requesting payment. I have faxed them forms again about this situation, which I will be attaching to this complaint. They have report this on my credit and I 'm now considered " delinquent '', I have went from a XXXX credit score down to a XXXX credit score. I do n't know how I am suppose to find a job to pay off my loans if I find a company that runs credit scores as a hiring descion process. I feel like Im at a dead end, I cant afford a lawyer, I dont know what to do.
I paid the original creditor, XXXX, in FULL, receipt # XXXX in the amount of {$670.00}. Enhanced Recovery Company, located in XXXX, FL has refused to remove this from my credit report. I am in the middle of a mortgage that is about to expire. After repeated attempts to have them remove this, I keep getting the same answer, " will not delete. '' This has to come off my credit report through all XXXX bureaus, XXXX, XXXX and XXXX because they are reporting this inaccurately. They sent me an email yesterday stating they would report it to the credit bureaus as " Paid in Full. '' Unacceptable. XXXX recalled the debt and I paid them directly, NOT ERC. If they fail to remove this IMMEDIATELY and provide documentation that it will be done as it takes the credit bureaus weeks to remove, I will lose my {$170000.00} home. If they will not remove, I will escalate this to Federal court, and sue for pain, suffering and loss of my home over a {$670.00} PAID IN FULL bill through the original creditor. They do not own the account, XXXX DOES. Contract on my house expires in a week, I have already spent weeks working on this, and Enhanced recovery refuses to remove for a debt they do not own!
Received alert on credit report on XXXX/XXXX/XXXX regarding negative info from Allied Collection Services Inc.. I looked up number for this company and called them. I stated to them I have no knowledge of this debt and was never notified regarding this debt because Inever received anything in the mail. They told me the debt is from a company called XXXX XXXX regarding a payday loan inXXXX of XXXX. They said a letter was sent out to an address that I lived at more than 10 years ago. I asked them to send info in the mail. I received the info today and it states the account has been updated to to show as disputed. Not Acceptable!!
ADDITIONAL INFORMATION TO BE ADDED TO OUR COMPLAINT : See attached files XXXX and XXXX. 
Thank you. 
-- -- -- -- -- -- -- -- -- -- -- We dispute the remarks and information provided by Selene Finance in their response. The fact that they responded to you at all is worthwhile, since we wait and wait for them to respond to us. 
The loan was transferred from XXXX to Selene in XXXX 2014, not XXXX 2014. If the loan was transferred in XXXX, why did we make payments through XXXX 2014 to XXXX? The proof of the payments is included in the excerpts we have provided within the Selene Finance document. 
Furthermore, they are not complying with the repayment agreement, and we were in danger of non-compliance on the second payment, because they did not take out the ACH debit as they stated they would, and as we signed for. Were it not that we called them at the last minute and made a phone payment, they would have found us deficient in our agreement - because of their inaction. 
Please review the comments inserted throughout the attached Selene Finance response document as our dispute to their findings. Our resolution to this would be to have a complete and thorough audit of our account, between Selene Finance and us as the consumer, to fix this mess. It does not help that they provide a more thorough response to a complaint than they do to the actual person whose loan they service. 
Thank you. 
XXXX XXXX
On  XXXX   XXXX ,    2017  I booked  XXXX  tickets to  XXXX  for  XXXX  Thank You Points through the Thank You Rewards Portal. Nowhere on the Reward booking page did it state that middle names of the passengers must be included on on the booking. The airline is  XXXX   XXXX  is fraudulent and demands that the ticket be cancelled and re-booked in order to add a middle name.  XXXX   XXXX  and  Citi cla im that they can not edit the name on an airlines ticket and the customer must pay {$160.00} to cancel the airline ticket. This practice is fraudulent, criminal and highly misleading. None of these details were disclosed at the time of booking . Citi T hank You and the ir 3rd pa rt travel booking service is knowingly doing business with a crooked and deceitful airline in order to cheat customers and not disclose key details at the time of booking. I conta cted Citi  on  XXXX   XXXX ,  2017  and they claimed there is nothing they could be but charge {$320.00} total to cancel my tickets and refund the reward points.
Due to personal difficulties I faced in the winter of XX/XX/2013, I fell severely behind on my Bank of America credit card payments. Eventually, the company 's collections department presented me with a settlement offer in XXXX large installments. At the end of that year I received a Form XXXX for the shortfall as reckoned by the company and reported that amount as income on my tax returns. 

This account is being reported as a settled " collection '' account on credit reports that I have obtained. However, Bank of America is not reporting a " Date of First Delinquency '' for this account although I am told that it is a legal requirement to do so. This date is important for determining when settled accounts must by law be deleted from XXXX 's credit file. In particular, the state in which I live, XXXX, has a special statute of limitations when it comes to settled accounts, and so it is particularly important that Bank of America report this date.
I contacted AutoTrakk LLC about an account being reported on my Credit File. The direct dispute was received on XXXX XXXX, 2016. On XXXX XXXX, 2016 AutoTrakk responded with a very vague reply stating that the file was verified by them, which is not adequate information for the direct dispute to be considered responded and verified. There was no supporting documentation and the dispute, as far as I am concerned was not resolved by the lack of information provided by the firm. As a result, I am more than sure that the account must be removed from my credit file and the company must cease collection attempts. In addition, when AutoTrakk initiated the repossession process, they did not follow NC state laws and send notification of intent to sale along with the location and other pertinent information about the sale of the vehicle along with deficiency information. Which makes the deficiency balance void.
XXXX has sat vacant since before XXXX XXXX, 2013. It is located a XXXX XXXX coming into the XXXX of XXXX, VA. and the City has been improving XXXX XXXX to be more appealing to people entering the City. Because of this house is sits directly on XXXX XXXX, the City has been contacting the XXXX to do something to make repairs on the house. Because of the condition of the house, there has been an adverse affect on any house that is on the market for sale. The XXXX has always suffered from the reputation of being housing for low income residents and this house condition reinforces the preconceived reputation that our XXXX has.