WillisBack/dataset-financial-user-claim huggingface dataset:
As an INJURED consumer, I must state that I am currently without information or knowledge sufficient to form an opinion as to the truth or accuracy of the data providers claim ( s ), and based on that I elect to deny generally and specifically the accuser 's claim. Please demonstrate confirming testimonial certification physically verifying the absolute and irrefutable validity of every aspect of claim in its entirety to the undeniable full truth, correctness, completeness, ownership of, responsibility of, compliance of, and document evidentiary PROOF of the alleged compliant reporting or else eradicate any and all unproven, unverified, or uncertified aspects of derogatory reporting. Perfect lawful reporting is REQUIRED for you to possess legal standing so report in proven compliance immediately today, even here and right NOW! I request that you VERIFY the VALIDITY of all claims physically, CHECK for the factual and precise CERTIFIED COMPLIANCE OF REPORTING and REMOVE or MODIFY as needed any item ( s ) of derogatory allegation of which the PHYSICALLY VERIFIABLE VALIDITY and or the CERTIFIABLE COMPLIANT REPORTING is deficient or missing via willful derelict OR even if dereliction is due to ignorance. To collect any claim MUST be verifiably VALID, and to REPORT the alleged VALID COLLECT-ABLE derogatory information MUST be of a documented CERTIFIED COMPLIANT REPORTING, such as to the true, correct, complete, timely, and undeniably factually perfect METRO 2 FORMAT reporting compliance standards! VERFIFY PROPERLY BOTH the VALIDITY OF and PERFECT CERTIFIED COMPLIANT REPORTING OF all claim ( s ) and every aspect of claim ( s ) OR ELSE permanently REMOVE THE FOLLOWING DATA/ACCOUNTS and or the undocumented derogatory aspects of such data/accounts : Account name TEXAS XXXX EMPLOYEES CU Account number XXXX ....
This is the letter that was sent to Titlemax headquarters and the actual store on XXXX XXXX in XXXX, GA : TitleMax XXXX XXXX XXXX XXXX, GA XXXX Dear Title Lien Holder, This is in regards to your former customer. She filed Chapter XXXX bankruptcy on XX/XX/XXXX, case number XXXX which included the account with your company. The bankruptcy was discharged XX/XX/XXXX. The filing of the bankruptcy automatically stays certain collection and other actions against the debtor and the debtor 's property. The bankruptcy trustee chose to abandon this asset because it was not worthwhile to sell. This created a non-possessory lien which means that the borrower retains possession of the collateral. This was a non-purchase money lien, meaning the money she borrowed was not used to buy the item. The trustee in the above styled case has filed a report of no distribution and said Trustee has performed all other and further duties required in the administration of said estate. The said estate is closed. In the State of Georgia, there is an exemption up to {$5000.00} in equity in a car or other vehicle. The following test would apply : Is the car a tool of trade, not used primarily for personal, family or household use? The State of Georgia allows an exemption of the current market value of the car Under the title loan agreement, did she retain possession of the car? Did she already own the car when she got the loan ( that is, she did not obtain the loan in order to buy the car ) XXXX XXXX meets the means test ; therefore the title lien is nullified. Please process the lien release and return the title to her within 7 days, we are prepared to seek further legal action if necessary. I have requested the title for over a year now and Titlemax will not give me the title. The car is not running and I need to sell it and I advise Titlemax of this. 
They also refuse to come get the car even though it is too late. Please help! Thank you! 

Also stopping by my friends house on XX/XX/XXXX @ XX/XX/XXXX and stopping by my place of employment looking for me and divulging all my information to my references and my friend and employer.
My loan was sold without notice I found out the day before the effective date! I get my Documents online but was never notified in that method and have not seen any letters.
Had car loan with XXXX XXXX XXXX, same was voluntarily surrendered in XX/XX/XXXX. Item was to have been removed from my credit file from XX/XX/XXXX, and now is XX/XX/XXXX and it is not removed.
On the morning of XXXX/XXXX/XXXX I received an email about a WU money transfer involving {$1100.00}, with a service charge of {$120.00}. WU XXXX XXXX XXXX. XXXX. Since I did n't make this transfer, I immediately called WU XXXX number to report the fraud. I asked WU to cancel this transaction and my WU account, which I rarely used. WU provided fraud file XXXX. XXXX to use as reference. They suggested that I change my email address/password. I chose to change my password. They suggested that I go to the local police department and make a fraud report, and for the PD to reference the WU fraud file number when they call them. I went a couple of hours later and made the PD report. I will go back in a few weeks to request a report copy for my records. I contacted the three credit reporting companies to put an alert on my accounts, and obtained credit reports. The credit card XXXX cc ) used to make this WU transaction is not recognized by me : XXXX, last four - XXXX, expiration XXXX/XXXX/XXXX. On XXXX - I received an email from WU stating that : '' Cancelled Money Transfer. We have cancelled your money transfer with tracking number ( MTCN ) XXXX. If you were already charged, we are also processing your refund. Please note that it may take 7 business days for your bank to credit your account. '' On XXXX I received an email from WU : " Either by your request or for your protection, we 've deactived your account. If you did n't make this request, please email customercare@westernunion.com or call XXXX immediately. '' My complaint is that WU is not providing me with enough information/feedback to know what is going on with this fraud complaint and take appropriate countermeasures. I am very upset over the fraud because it remains unresolved. Either the fraudster made a new cc under my name, used a cc that I may have lost track of ( very unlikely ), or according to XXXX may have used a cc with someone else 's name ( very strange idea? XXXX. I ca n't be comfortable without having complete resolution with all necessary, needed facts. I had called XXXX, and they said they could n't help me clarify the CC situation because they just supply credit cards to banks, and do n't have the details. They would need the cc number and bank that issued their card to be able to do anything. 

What I want or want answered is : 1. I would like clear status reports regarding WU 's investigation.
2. I would like to know if my local PD contacted them regarding this fraud event.
3. I would like to know the details as explained regarding the credit card used to purchase this money transfer. Then I can have closure in being able to ask for cancellation of the cc if it was fraudulently issued in my name, or be able to cancel the credit card if it is a misplaced credit card I actually had, or was issued and not received.
4. I would also like to know how this person supplied my WU account number, or was an account number made up for this transaction.
I need this information to obtain closure and finally feel comfortable that everything is back in order.
Thanks!
I APPLIED FOR A XXXX AUTOLOAN WITH XXXX, AND CALLED TO HAVE MY FIRST PAYMENT SKIPPED XXXX SEE ATTACHED ) AND ASSUMED IT WAS APPROVED AND MISSED FIRSY PAYMENT, AND IS REPORTING ON CREDIT REP, ITS PARTUALLY MY ERROR AND NEED THEIR GOODWILL HELP CORRECTING LATE PAYMENT XX/XX/XXXX.
Hello, my name is XXXX XXXX. 
On my Credit Report is showing that I owe XXXX XXXX XXXX {$520.00}, I spoke to them several times ( more than XXXX I believe ) and all they do transfer me from one department to another ... .they have no idea what am I talking about. I went to XXXX XXXX XXXX office twice, they told me they will resolve the problem. Up until today it 's still showing on my TransUnion Report, but back in XXXX 2014, I agreed on paying them {$270.00} and they XXXX told me going to close the Collection. I wish I never settled with them because the charge was wrongful to begin with. I work in Finance, and my partners told me it 's my mistake to settle with them. 
XXXX even sends me appreciation letter for being such a loyal customer. I ALWAYS PAID MY ACCOUNT IN FULL AND ALWAYS RETURNED EQUIPMENT WHEN I WAS MOVING. Today I googled XXXX phone number XXXX XXXX XXXX XXXX which is showing on my credit report, I assumed its a collecting agency ( but still Original Creditor says is XXXX XXXX XXXX ). To XXXX agent I 've provided my ss # and my name and they found no information, nothing! Earlier today I also contacted FCC.gov who were not able to help me either. I am so extremely upset because its significantly affecting my credit score and this collection does n't even belong to me. I am looking forward for your response, and do n't think I need to start legal action against this matter. 

Thank you
I spoke with a representative with XXXX XXXX XXXX an offered me a re-age program to pay {$93.00} a month on my XXXX credit card. My account wasn't past due. The representative stated I wouldn't be reported to the credit buero because I was offered a program to pay for 3 months the {$93.00} not my normal minimum payment. Well after paying the {$93.00} for 3 months, I was reported to the credit buero 30 days past due with no indication or notice I was late, after the representative told me I wouldn't be reported its was a safe program XXXX offered to help pay off you credit card balance. I spoke with XXXX  and they said they don't record there calls, and they would try to fix it. Well they reported me current for the next month, but the 30 points I lost on the score didn't return. I would like a apology for them misleading me and my score dropping 30 points at no fault of mine.
My purse was stolen out of my car in a XXXX parking lot ( XXXX, NC ). I did not do a police report at that time. After recently pulling a copy my credit report I noticed that there are quite a number of medical debts that are n't mine. I immediately contacted the collection company who did not help me and then I contacted the credit bureaus. I disputed all items asking that signed documents be shown as proof that these charges belong to me. I have not received any original signed contracts to prove that these accounts are mine because there are none. I was told to get a police report but the years in between now and then of coarse that was impossible. I understand that each bureau reports differently however truthfully these accounts do n't belong on any of these bureaus credit report for me. I have attached my FTC Identity Theft Report Letter as well as the letter that I sent to XXXX and Transunion XXXX/XXXX/XXXX. These accounts are making my credit bad and hurting my credit credibility. I have been trying to have these accounts removed for about three months now. This is unfair to me and I really need it to be fixed.
I do n't have an account with XXXX XXXX which has sent an account listed in my name to an Attorneys office for collection. 

This account was written off 2 years ago according to the letter attached with XXXX XXXX. This account was opened " online '' which was not by me, therefore, XXXX XXXX does not have a signed contract from me. 

XXXX XXXX has agreed to Cease and Desist their collections. 

However, I just received a notice from : XXXX XXXX, XXXX XXXX XXXX XXXX OF XXXX, STATE OF NEVADA regarding XXXX XXXX XXXX vs XXXX XXXX. 

They want to file a Default Judgment on me. 

This is not my account. 

XXXX XXXX has Ceased all collection activity.
I have been disputing incorrect information on my Experian XXXX XXXX XXXX credit report but they are unwilling to allow me to dispute their " investigation results ''. The creditors are XXXX XXXX and XXXX XXXX XXXX. The report reflects late payments and the information is inaccurate. XXXX creditors have agreed to have the items corrected on all XXXX credit bureaus but only XXXX made the correction.
XX/XX/2018 Both of credit cards were closed without any notice prior to doing so. I attempt several times in the past 3 days to explain the circumstances of a returned payment which was not done intentionally. i selected the wrong payment method after realizing. i contacted capital one immediately and they told me on the phone that everything will be ok. As long i posted payment on due date. i got a notification from XXXX. i feel disappointed that i had to realized from a third party that my accounts were closed. they didnt send me a email or letter. in good faith, i still paid off balance in full after account closed. captial one should understand that mistakes happen and if you cant give exception or second chance then you shouldn't be dealing with consumers. 

I am highly disappointed and I am awaiting to hear back from capitalone in the reconsideration reopening my account. i am in the process of buying a house and i cant allow capital one stop me from doing so.
They call from a blocked number. I dont answer because I dont know who it is. I changed my number and they somehow get my new number. I feel like theyre doing something illegal by getting secretly getting my new number. I also read that its unlawful for them to call my cellphone. They also say my name wrong so technically they have the wrong person.
I have requested several times from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Act. # XXXX. No phone number listed on report, to verify the said debt listed on my credit file. I have also sent a copy of my state issued I.D and a copy of my Social Security Card to assure it is me who is requesting the information. In accordance to the FCRA 605B. TransUnion still will not block, verify, validate or remove this negative information. This has gone on for several months and they continue to use a system none as XXXX to parrot information from the original creditor. I have not received a original instrument of indebtness other than a bunch of invoices with no signature of mine. Yet XXXX  still is asking for more information and refuses to delete this information. I have been a victim of Identity Theft before and had to go through the same thing back in XX/XX/2014 and this is around the same time this debt was created.
On XX/XX/18 I sent a certified letter to Capital one requesting validation of a debt that they claim I owe. On XX/XX/18 I sent a second certified letter requested validation to no avail. I requested validation pursuant to the FDCPA. I requested validation that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them. Both debt validation letters were ignored. I have copies of returned certified receipts see attached. signed received on XX/XX/18 and XX/XX/18. On XX/XX/18 Capital One sent me a letter by FEDEX from account manager XXXX XXXX threatening me with a law suit. Capital One failed to validate this debt as I requested Capital one violated the FDCPA by not making this debt as DISPUTED within 30 days. Capital one continues to harass me about this account. I got a notification that my disputes were completed. I pulled my XXXX report on XX/XX/18 and XXXX on XX/XX/18 and noticed that not only were they not deleted but Capital One continue to report that I owe this debt. of {$6000.00}. I can prove that Capital One owe me damages of {$1000.00}. per part XXXX of the FDCPA. I have attached all of my supporting documents which continue to validate the debt without proof.
I applied for a payday loan with cash central on XXXX/XXXX/2016 total amount XXXX they ran the principal & finance amount payment through on XXXX, by XXXX or XXXX, I did get have majority of the loan paid down to XXXX. The representative then called me at work when I told them specifically not to because I ca n't take personal phone calls at work. I then called them back to tell them they could use my debit card to take out the XXXX on XXXX I think, but as most things happen the card would allow it, due to other items coming through. They then called me again at work and the lady I spoke with told me that they will continue to send the payment through and this will cause an issue for me because your bank will continue to charge you fees. I told her not to do that because it 's going to cause other bills not to pay but I will get them paid. I then logged into my cash central account online on XXXX and put in for them to take out XXXX on XXXX which they did, and now the account is down to XXXX. I then logged in again and put in for them to take out another XXXX on my next pay day XXXX, and then I was going to go back in after that and have them take the remainder on my next pay day XXXX, but as of yesterday XXXX they sent XXXX through ( which is half of the XXXX ) which caused my bank to charge me another XXXX fee and my account is continuing to be negative. I do n't know what to do. I know they are going to call me again..
On XX/XX/2018 I was contacted by someone at the company Wilber & Associates saying that unless I paid on a claim totaling {$2000.00} from XXXX XXXX XXXX, my license would be suspended by midnight that night. I almost gave them money but fortunately, I did not have my debit card with me. I later found out that they can not do that and this claim was from XX/XX/2018 where I was hit while riding my skateboard and XXXX XXXX has failed to provide the appropriate information or properly investigate their client 's claim. I am a college student and was seriously injured as a result of this accident. I am willing to work with everyone but not under these extreme threatening tactics.
I was sent to the collection company Fair Collections and Outsourcing for an apartment residence I lived in 3 years ago. I was charged a 2 month penalty fee for leaving a lease early. I paid a debt of {$2900.00} to XXXX XXXX XXXX in the form of a cashiers check that was express delivered with signature required by the USPS on Monday XX/XX/2018. The supportive documentation will show a conversation by myself and the VP of Property Management where they state they will " gladly write me a letter '' to say the balance is paid in full. This shows on my credit report as having this debt and it has prevented me from obtaining an apartment in XXXX where I reside. I am in need of an apartment immediately and I have been told by numerous rental companies that I can not rent without this being resolved. I took the necessary steps to correct this issue but I have not received the letter after several voicemails and emails were placed to XXXX XXXX. I feel this is not fair to punish me for something I have remedied. I can not make this company write me a letter and my only other option is to contact the credit bureau to show proof I have paid this. Please help me to clear this up as it is negatively affecting my current living situation, future, and credibility. Also this credit company FCO calls me approximately twice a day every single day of the week. When will all of this stop? The consequences of this have become detrimental to my life currently. I need something to be done.
XXXX XXXX billed the wrong health card for services rendered. When I contacted them and provided the correct health insurance the situation was resolved. And the bill was paid in full. I have spoke with the collection agency and they assured me they would contact the Biller and remove this from my report.
I checked my credit report recently and I keep seeing a debt from Bloomingdales credit card on my report at all XXXX bureaus the charges were fraudulent and the balance is not mine fees interest etc seems to have been added for charges I do n't owe. I received a XXXX form from IRS stating that I was required to report this old item as income I did just that because I do n't play around with IRS now every month this nightmare item that was fraudulent to start with is being reported as a new and current debt I claimed it on taxes against my own will and now this this is fraud unfair and I want an investigation immediately
I am a co-signer on my daughters student loan. She has defaulted I am on a fixed income and can only pay {$50.00} a month. They keep calling and telling me they need more money. What can I do to stop these calls
I disputed every negative item on my credit report, I also provided accurate information for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free XXXX National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any organization who uses my name without my consent, and committing fraud.
I attended XXXX XXXX XXXX ( XXXX XXXX, MI ), around XXXX. The courses were too difficult for me to comprehend, so I withdrew from my classes in the allowed timeframe, after completing a semester. 
I committed a crime, and was imprisoned from XXXX XXXX to XXXX XXXX. During my prison stay ( XXXX ), I began to receive bills from a creditor concerning XXXX XXXX. I immediately typed/notarized a letter informing the creditor that I was housed in XXXX and was unable to make payments at that time. 
Upon my release ( XXXX ), I made contact with Navient Solutions concerning the XXXX private loans. I made payment arrangements, which were in agreed upon with Navient Solutions. I have been making, my scheduled payments, as agreed upon. 
The problem is, Navient Solutions, has continued to charge me interest on the XXXX loans. XXXX of the loans is being charged as much as {$100.00} in interest per month. 
I am mentally XXXX and receive. XXXX monthly payment per month. I am making my agreed upon payments each month, I can not afford for Navient to charge me these interest rates every month. Also, I put the XXXX private loans on my bankruptcy which was discharged, and Navient Solutions stated that does not change the loan, Is this true?
I have never done business with XXXX XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I have a a unverified account from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, This company has sent out a UDF form please update and delete.XXXX  XXXX XXXX XXXX # XXXX, This account is a duplicate please delete XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. I have filed several complaints witout any responses it has been past 30 days. I need all 4 accounts deleted asap.