WillisBack/dataset-financial-user-claim huggingface dataset:
A request for validation made pursuant to 15USC 1692g Sec. 809 ( b )  of the FDCPA was sent to the credit bureaus XXXX certified mail USPS for the alleged debt with midland credit management/ midland funding llc asking them to " validate '' and NOT verify the alleged debt by providing a signed contract between myself midland and the original creditor. I did not receive what was asked for because no contract exists. I do NOT owe money to Midland Credit Management /Midland Funding LLC . I am not responsible for this debt there is NO CONTRACT with their company. Midland is continuing to report invalidated information to the 3 bureaus and this is fraud under both federal and state laws and does constitute me bringing legal action against Midland for violation of the FDCPA and Defamation of character.
LVNV Funding/Resurgent scheduled a judgement hearing without my knowledge. Additionally have sent it to XXXX different attorneys in XXXX different states. I found out about the judgement through an attorney advertisement stating a judgement has been filed against me. I have asked LVNV to verify/validate this so called debt I owe under the FCRA Laws and LVNV is unable to rightfully validate/verify what this so called amount I owe. Their false reporting and filing of judgements has caused severe hardships for myself and my family. I have asked them to remove from the credit reporting agencies since XXXX XXXX, 2014. They repeatedly send the same nonsense paperwork stating this has been properly validated. They admitted to sending the judgement to a wrong address they had as my address. This is not my debt I have never lived at the address they say. This company should be reported and stopped from harming the United States public. additionally ruining lives and harming families. Also LVNV is in violation as re-aging the account. Not reporting the accounts to the CA 's each CA report shows the account as different types, dates, amounts etc.
Hello my name is XXXX XXXX XXXX XXXX I contact you because and my credit report show wrong information personal because I star building my credit whit my Number of identification Regulary is confused whit information my father name is XXXX XXXX XXXX the confused is because I 'm used regularly XXXX XXXX name whit see at confused used at XXXX XXXX XXXX the wrong is and the birthday show at my father date and something information for inquiry is some for my dad and show me information wrong
After over 7 years of credit card purchases thru PNC BANK points Visa Signature Credit Card, I decided to utilize the points accumulated to purchase products from the rewards catalog. However, after logging into my account online discovered, that PNC stole XXXX points. After calling, the PNC representative acted surprised and said that a written response would be sent ( Exhibit A ) which stated that the points expired! This was never discussed or pointed out by the PNC branch manager when " selling '' the rewards program/credit card to me and hides notices in small print on the back of statements. In a Class Action Settlement XXXX XXXX XXXX XXXX this issue concerning forfeiture was addressed. I demand my hard earned points back along with any punitive orders due to stress and emotional distress. The schedule of events and statements are attached.
XXXX XXXX XXXX {$700.00} & {$860.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditorI want these accounts removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice ; accounts were settled by my Insurance carrier with original creditors.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
On XX/XX/XXXX, I initiated a transfer via Western Union for {$180.00} + {$12.00} service charge, for a total {$190.00} ( tracking # XXXX ). Two hours later, the recipient ( my son ) told me that WU refused to release the funds to him, and WU stated they were refunding the transfer to me ( the sender ). No reason was provided by WU. I went to a different WU outlet ( a different XXXX grocery store ), and they finally issued a refund in the amount of {$19.00}. The refund was reduced by a factor of ten. Someone obviously left off a zero. The clerk told me that what I received was the entire refund, and there was nothing she could do. I went back to the original XXXX to retrieve the rest of my transfer stub ( which I had thrown away and was fortunate to retrieve ), as directed by a WU supervisor. I tried to get the rest of my money there, and instead was given a case # XXXX and told to wait 24-48 hours! The next day, I called WU again, and spoke with a supervisor. They told me to go back to the 2nd XXXX ( who gave me the {$19.00} refund ), and that store would give me the balance of {$170.00}. So I drove back to the 2nd XXXX on XX/XX/XXXX, and they told me I already got my refund! ( Again! ) I wrote a letter sent certified mail on XX/XX/XXXX, received XX/XX/XXXX. Still no callback from WU. So I spoke with another WU supervisor and got another case # XXXX, and told to wait another 24-48 hours while they " investigate ''. There's nothing to investigate! It is abundantly clear that I was underpaid by a factor of ten. That's it. No investigation required. I was told to wait for a callback from WU, and when I still got no callback 24 hours later, I submitted a complaint on WU 's website claim form. I have now received yet another case # XXXX, and told to wait 24-48 hours! I am still no closer to getting my money back. Help!!!
We received your attached default notice XXXX XXXX, 2016. 

We are in the process of applying for a loan with Keep Your Home California and ask that you please wait 45 days before taking any futher foreclosure steps.
After reviewing my credit report I noticed a few inquiries on there being reported by this credit bureau in which I have disputed them and put a fraud alert on my account as well with the creditors and the credit bureau is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which the credit bureau responded back with if you believe this was unauthorized, please contact the creditor and still reporting these inquiries and ignoring my request of dispute. My complaint is towards these unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on my Equifax credit report. Regarding the following inquiries 1 ) XXXX XXXX XXXX from XX/XX/XXXX 2 ) XXXX  from XX/XX/XXXX 3 ) XXXX XXXX XXXX fromXX/XX/XXXX and XX/XX/XXXX 4 ) XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX. I have disputed these unauthorized inquires for several months with no help from the companies or Equifax. XXXX XXXX XXXX never responded to my certified letters and after calling and speaking to a supervisor, I was told an account was opened in my name online, an online order was purchased, returned, and canceled. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature on order and still have not received any from this company. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters sent to XXXX XXXX. I called and spoke with XXXX in their credit department and she advised me to fax over the information that is reporting inaccurate and they would delete it. As of today, it is still reporting. XXXX XXXX XXXX is a third party for another company and keeps telling me that they will not investigate these two inaccurate inquiries that they requested on my credit file. XXXX XXXX XXXX keeps referring me to the credit bureau to investigate or Veterans home loan. It is NOT my job to track all of these companies down. These are UNAUTHORIZED inquires. I am not a veteran nor have I applied for a home loan. XXXX XXXX responded that there two inquiries were not authorized by me but they needed an update address for a bill. I DID NOT AUTHORIZE XXXX XXXX to pull my credit not once but twice they pulled it to find my address??? ABSOLUTELY no reason to pull a HARD inquiry on my credit report without my authorization! I am demanding that all of these unauthorized inquiries be deleted from my credit file immediately! I am demanding that Equifax do their job and abide by the laws!!
I recently received a copy of my credit report and my birth year is incorrect I tried to dispute with XXXX but had no luck the credit report shows s birth year of XXXX however I was not born until XXXX also the credit report shows several addresses I have only lived at one address I have enclosed a copy of my ssn and drivers license as proof however it remains unresolved
I keep getting harassed at my work of employment by Navient Solution student loans. My manager has spoke to them and stated not to call at my place of employment. That we do not take personal calls at work and to call my personal number. They still keep calling and bothering me. It is to the point that my job is on the line because of all the harassment that my company is looking to let me go. Please help. I am a service member and under SCRA I have been done wrong. Not only have they been adding interest, I was not promised my 6 % APR for my finance. This is just wrong and they wo n't stop to the point that it is ruining my credit. This is a crime.
I have been disputing this information since XX/XX/XXXX and I have asked for debt validation information. I have not received anything validating this debt. It has been past the 45 days since the dispute has been sent to the credit bureaus asking for validation. It has come back each time as verified by the collection agency without any validation sent to me. I have also sent a HIPPA violation notification XX/XX/2016 to this company. I need forms showing where I signed for these account. Also my HIPPA rights have been violated once any medical information has been shared with any 3rd party agency.
XXXX XXXX ( XXXX ) was told for 2 months we had different cable provider And to shut t this off and didn't letting The bill run up on XXXX XXXX I've told them I only used Ambulance service once it's billed twice each just less than 10 dollars each XXXX especially has been not willing to do much I want it Itimizsd bills or them to be removed they messed up double billing I'm sure priced are wrong also
XXXX XXXX XXXX opened XX/XX/2014 for XXXX $ I told them I dont know who got this credit card under my name and someone made a payment on it I guess but how could I make a payment on something iv never received a bill or letter or phone call nothing and also someone keeps applying for car loans all those hard inquiries on my credit nun of them are mine so now I cant even get approved for a secure credit card let alone any other kind Im so stressed out my car broke down so I need to get it fixed and I cant because money is tight right now. Help me please Im begging you
Hello. I am filing a dispute against Capital One with the claim of False Advertisement for one of their products ; the Capital One Quicksilver card. In XX/XX/2018 I applied for this card because it was advertised 0 % APR on purchases for 15 months. Here is a hyperlink to the offer https : //www.capitalone.com/XXXX In the terms and conditions sections of the offer, which could be found in the hyperlink, it also states 0 % APR on purchases for 15 months https : //www.capitalone.com/XXXXXXXX XXXX XXXX. I applied and received the credit card based on that advertisement. 
In XXXX this year I was charged an interest payment of {$54.00}. I called Capital One on this date and spoke with XXXX ID : XXXX. She notified me that I received terms of conditions in the mail that stated my 0 % interest rate expired, and that I received terms and conditions which reflected my 0 % APR was only good for 9 months ( I do not recall receiving this notification ), not 15 months. She also stated that only qualifying members receive 15 months of 0 % APR on purchases. My disputes can be summarized with these points : After discovering the interest charge, I was notified by multiple representatives that the 0 % APR on purchases was for " up to '' 15 months ; however all advertisements state 15 months with no asterisks. I applied for product under terms and conditions that the 0 % APR on purchases was for 15 months, and all advertisements and terms and conditions of the application state that. Finally when Capital One states that I received terms and conditions that state my introductory period was less that 15 months, I not only deny that claim but again direct you to the terms and conditions that are stated online. Once again, no where in the Capital One Quicksilver Card disclosures does it state that the 0 % introductory rate is " up to '' 15 months ; the card was applied for and received based on the advertisements and the disclosures. I would not have applied for the card if 0 % interest rate for 15 months was anything other than advertised. I request that you review the hyperlinks and conclude whether or not there a reasonable person would believe that the Capital One QuickSilver Card comes with a 0 % introductory rate for 15 months. Thank you. 
https : //www.capitalone.com/XXXX XXXX XXXX
I properly disputed an invalid obsolete account three times and the account is over 7 years old and BMO Harris Bank refused to properly investigate or cease attempting to collect.
None of your examples fit my inquiry so I just tried to choose something similar. I was sued like many individuals for an alleged credit card debt and received an ABSTRACT JUDGMENT I in XXXX 2011 by XXXX via attorney XXXX XXXX XXXX. In Texas a Homestead is exempt from an AJ, However the AJ does not reflect this on the document. I started to look into selling my home and learned that I would be expected by research into title companies to pay off the AJ as it allegedly clouds the title. AS Texas law is specific this is excluded. There are hundreds of AJ issued by this financial institution but also others such as XXXX XXXX, XXXX, XXXX, XXXX are just a few. The one commonality is that none denote in the AJ that the homestead is excluded. If any of these or other financial institutions have recovered the alleged debt by means of the Texas Homestead exemption in my opinion have potentially and currently could be still collecting under the guise of clearing an alleged debt which is know to be in Texas. Yes many have and continue to receive these AJ. I believe that these institutions along with their lawyers need to issue corrected AJ which states clearly that a Texas Homestead is excluded. I also believe that it needs to be investigated as to collection on any release in the time filed as aaaaan AJ carries a timeline of 10 years and can be renewed for another 10 years. So the statue of limitations should still be valid and the institutions that have collected should feel penalties and reimburse any party that they gave the impression is owed through their homestead by misrepresentation. I realize that Texas is a large state but the law is specific
Attorney XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are in violation of the Fair Debt Collection Practices Act. 
They purposely sent a summons to appear in court XX/XX/XXXX to an address that was never my residence in Michigan. I have been living in XXXX since XXXX. I received a response from XXXX XXXX XXXX Attorney for Mindland through the CFPB site XX/XX/XXXX, stating that I should contact XXXX to resolve the matter and that no action of garnishment will be taken. No one was willing to assist me. However, I have been garnished for the wrong amount and my livelihood has been impacted to me losing everything.
I am a new customer to Capital One when I signed up for this {$500.00} bonus offer : XXXX  XXXX   XXXX " Heres the full scoop on how to earn your {$500.00} bonus : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX. ET on XX/XX/XXXX, and XXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional codeXXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, you're ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account. '' I deposited over {$50000.00} dollars within the time allowed. Within that time, I also withdrawn that money as well. 

Here are the times of those deposits : XX/XX/XXXX - {$10000.00} XX/XX/XXXX - {$7000.00} XX/XX/XXXX - {$8000.00} XX/XX/XXXX - {$9000.00} XX/XX/XXXX - {$8000.00} XX/XX/XXXX - {$8000.00} Total of {$50000.00} deposit. 

I called Capital One twice on XX/XX/XXXX which over 60 days from my last deposit to find out why I have not received my {$500.00} savings bonus. 

Both reps claimed that I needed a balance of {$50000.00} or one deposit of {$50000.00}. That is not in terms I agreed to. There is nothing in the terms about having a balance of any amount besides earning 2 % on {$10000.00} or more. Also, there is no clear indication that only one deposit worth {$50000.00} would qualify for the bonus. Especially when most banks do not allow that much to be deposited to an external account on one transfer without fees and paperwork. They refused to credit my account {$500.00}. 

Capital One is trying to pull a fast one by changing their terms to fit their needs while trying to make money off consumers.
Discover started a promotion for % XXXX Cash back on ALL purchases when using XXXX ( No Exclusions ). I purchased an Iphone and applied for a Discover Card based on that promotion. Sometime shortly after the promotion started, Discover added restrictions to their original promotion. These new restrictions simply stated " Gift Card Purchases Excluded. '' Discover pulled a Bait and Switch with this promotion, they threw out a promotion with a great reward and no restrictions, once they had people committed and pulled in, they changed the terms of the promotion. On top of the change in terms, Discover also continues to add restrictions to the promotions such as the requirement to send them receipts to recieve cash back, the requirement to send receipts if a Giftcard was purchased as part of a larger transaction. Discover is requesting potentially sensitve Medical information about my family, they have stated through their offiical XXXX account that when sending a receipt you may not black out sensitive personal medical information. Discover has also changed their terms of the promotion without notice to disallow ANY sort of purchase of Non-Merchandise, eg. Cellphone Reloads, Transit Card Reloads, Prepaid Debit Cards, XXXX reload cards, all of which fall outside of their giftcard exclusion. Nowhere do their terms of the promotion state their extremely wide definition of a giftcard. Discover has acted in bad faith with this promotion, they lured people in with a very lucrative promotion and then changed the terms once people, like myself, had committed. They continue to change their restrictions and widen their denials, they request medical records they have no right to, and have acted in bad faith throughout the entire process of this promotion
Discover credit card offers price protection to promote its use. I 've been using this benefit in the past without any problems. Lately one of my claims was denied because they used different Criteria to determine the eligibility. My previous claim XXXX was approved on XX/XX/2015 for XXXX puchased from XXXX and paid back for the price difference. My newer claim XXXX was denied, however it was the same puchase in nature for XXXX. The price protection is against the same store to pay back the price difference. There was no notification about any new policy or change of term of the price protection. It is not fair for consumers to continue using the credit card under the false assumption that the benefit is still available. I contacted the discover price protection XXXX when I first received denial letter around XX/XX/XXXX. I then wrote a letter to them, but was denied again XX/XX/XXXX. I hope Discover could honor my request for {$190.00} price protection difference. I also wish Discover could send out letters to other consumers about their change of policy.
In the first week of  XXXX  the bayside collection service called and threaten to have me arrested if I did not pay  XXXX  on  XXXX   XXXX  and  XXXX   XXXX . The person was very demeaning and rude and told me I would go to jail. Then even called my work.
Citi Double Cash credit card gives you 2 % cash reward ( 1 % when you make any purchases and another 1 % when you pay the balance. ) I bought a phone from XXXX XXXX using XXXX credit card. When I returned the phone, an XXXX staff asked me to give him a card so he can put the refund money on it. Because of my confusion of having too many cards, I gave him my Citi Double Cash card. 
When the {$1000.00} refund transaction was clear, Citi thought that it was a refund from my using their credit card, so they deducted {$4.00} from my cash reward balance instead of giving me {$9.00} more ( I spent {$540.00} on purchases and paid {$350.00} I owed them. ) Thus, my total loss was around {$13.00}. 
I called Citi and explained, a guy ( I ca n't recall his name ) said he did a dispute, and I could expect to receive {$15.00} back in XXXX5 business days. 
Today XXXX/XXXX/16, I called back asking why I have not seen the {$15.00}. Another guy said he was not able to find any disputes on my account, which means the first guy lied to me. After talking to his supervisor, this guy said they refused to give me the money. 
I think this is absolutely wrong. The amount of {$1000.00} was not from Citibank. I did not use Citibank 's credit money to make the purchase. It was supposed to be considered as 'payment ', not 'refund '. Thus, they had no rights to deduct anything from my cash back reward. Please help me work out a solution with them. 
Thank you.
This company has not gone through the proper steps after repossessing my car. Which is causing credit issues on my credit report. This company repossessed my car in XXXX of XXXX and they have violated my laws as a consumer. As the consigner of the vehicle I had every right just as the primary holders. I have never received notice of right of redemption/right of reinstatement. I never received a time/place of where the auction would take place. I never received a notice of sale or post sales notices. However, they have posted a balance to my credit report that I have no idea where it has come from. I need help please.