MEMORANDUM OPINION AND ORDER
RICHARD J. HOLWELL, District Judge.
In this action, pro se plaintiff James Williams ("Plaintiff) asserts claims for, inter alia, unlawful debt collection practices in violation of the Fair Debt Collection Practices Act (the "FDCPA"), 15 U.S.C. § 1692, breach of contract, and fraud in connection with actions taken by Defendants Citibank N.A. and Citibank (South Dakota) N.A. ("Citibank South Dakota") ...
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