WillisBack/dataset-financial-user-claim huggingface dataset:
a ) I received a debt collection letter dated XXXX by mail on XXXX with a deadline of XXXX to respond or dispute. A sick XXXX joke. 
b ) The amount is for {$3200.00}. 
c ) I do not owe the funds since the debt has never been validated per many requests thereof. 
d ) Statute of limitations exceeds 6 years for FL or GA states I have resided in. 
e ) Creditor may no longer be in business. 
f ) XXXX XXXX XXXX XXXX a subsidiary of Encore Capital Group, Inc send me the debt collection letter. Their fax number of XXXX is not in service. I found an alternative fax of XXXX via internet search but I can not verify if it is their fax. I sent my debt validation letter request and a cease desist letter to this fax. 
g ) The debt collector letter stated after XXXX XXXX signature that the law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report payment or non-payment of it to the credit bureau. If this is true, then why the effort to collect unverified debt. 
h ) Many online forums show XXXX XXXX XXXX as trying to collect debt and sue people for debt not verified nor owed. Some type of legal harassment or entrapment efforts to unsuspecting consumers. 
I ) I do not want this company trying to collect unverified debt from me how to stop? Credit dispute or debt validation letters sent to the company by people are typically ignored nor receipt thereof acknowledged according to online forum complaints.
I HAVE DISPUTED WIT H TRANS UNION OV ER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS  XXXX   XXXX   XXXX ,   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX   XXXX   XXXX  ,  XXXX ,  XXXX  I DO NOT RECOGNIZE THESE INQUIRES AND  TRANS UNION S TATES THEY VERIFIED THESE INQUIRES AND I KNOW THEY DIDNT BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRES
In XXXX we got a little behind on our mortgage payments with XXXX. We got caught back up but then they sold our mortgage to Carrington before we were able to apply for Mortgage assistance. We were transferred over to Carrington as of XX/XX/XXXX. I applied for mortgage assistance with Carrington in XXXX. I sent the required documentation via USPS on XX/XX/XXXX. I received a letter asking for additional documentation so I called and asked what they needed. I was told that my husband had not signed the signature page and that they needed more pay stubs from me. I get paid one time a month so I had only sent one stub. So, on XX/XX/XXXX I sent the completed packet once again with three months worth of paystubs via USPS. I also uploaded my paystubs to their website. I received a letter dated XX/XX/XXXX claiming they are cancelling my application because I failed to provide the required documentation. When I called them on XX/XX/XXXX, the date I received this letter to find out what was going on and why they had not applied the checks they have been cashing to my account I was rudely informed that I had not turned in the required documentation on time and that they will not apply the money to my account until they have full payment. When I questioned what documents they had not received they told me my paystubs were not sufficient and that I needed to send in a letter explaining that I only get paid once a month. I informed the woman that it is clearly stated on the pay stubs the dates I am paid for. Long story short, I ended up hanging up on the woman because she was not listening. I called out local HUD agency and she referred me to you. SImply, I would like to reduce my mortgage payment because I am currently unable to pay {$950.00} per month and still maintain the other bills I have. I have requested they simply lower our 6.75 % interest rate, but they will not do that. I would like to receive mortgage assistance because I do not want to lose my home. My husband and I both work hard and have jobs, we are not trying to get out of paying our bills, we just need a little help right now. I do have documentation but it is all paper copies. If you would like me to send in my paper documentation I can. Thank you.
On XX/XX/XXXX, I deposited a check denominated in British  Pounds in my Chase Bank Checking account for the amount of GBP XXXX. I was advised that it would take 4-6 weeks to collect the funds from the foreign bank, and that the currency rate would be slightly lower than what I saw as the " spot rate '' in the newspaper. On XX/XX/XXXX, the spot rate for USD per GBP was {$1.00} per GBP XXXX, making the check worth {$27000.00} at the point it was deposited. 

On XX/XX/XXXX, I received a deposit in my bank account for the amount of {$19000.00}. This implies a USD per GBP exchange rate of {$1.00} per GBP XXXX. This is 27 % below the spot rate on the date of original deposit, and 23 % below the spot rate on XX/XX/XXXX. 

While I understand that there are fees and reasonable variations in exchange rates to be expected in a transaction like this, these are clearly egregious, taking full advantage of a loyal customer to the Chase Bank.
here is XXXX items on m credit report from XXXX XXXX. XXXX is in the amount of {$170.00} dated XX/XX/XXXX XX/XX/XXXX. This is not my debt I have not had an account with this company in XX/XX/XXXX I was not even living in the city of XXXX Va. There is also an account listed for {$240.00} sub # XXXX XXXX, I moved out of my previous address of XXXX XXXX XXXX XX/XX/XXXX and all equiptment was returned to this company. I have contacted them on numerous occassions and and issued a copy of the receipt for returned equiptment and this issue has not been resolved. Under the Fair Credit Report act this is a violation of my rights and I wish to have these errors corrected. this is the XXXX time I have had this issue and as a result I was denied employment from my previous employer. 
XXXX # XXXX amount {$160.00} I have never had an account with XXXX I have been in contact and would like verification of this debt requesting its removal immediately. All of my student loans were in default, the information in regards to these are incorrect. I would like proof of these debts.XXXX # XXXX Attempted for over 3 years to have loan refinanced was advised that it ould happen and when it did not property went into foreclosure. Agreement was made with XXXX that the debt would be wiped clean since I was given monies provided me By XXXX and also with an agreement that all negative payments would be removed. In regards o all medical bills reported. I had insurance With XXXX as a dependent from XXXX thru XXXX. 
Thisinformation is being used againist me and I can not secure a job I would like a full investigation and a copy of any verification that is sent as are my rights under the Federal Fair Creit Reporting Act. It is my intention to seek damage for theincorrect information that has been reported
have been paying loans since XX/XX/XXXX was late 30 days due to XXXX transferring the loans to Nelnet. Once contacted Nelnet and set up auto deduct for $ XXXX month on a payment due of $ XXXX/month which is taken ever XX/XX/XXXX of the month. never received 1 monthly statement only get a letter from XXXX that my payment is being deducted. get a YE interest statement but no other communication. Called to see when my loans should be done since I have paid extra each month and it has been more than 10yrs. My total loans were {$19000.00} ( 6 % interest ) when I started. They are saying it is in default and I still owe over {$21000.00}! I asked where all the $ I paid went and they told me it went to collections/default fees. I was never told it is in collections/default etc. no letters, calls, nothing! lived at the same address for 17 years. my credit report says they are closed and the balance owed is {$0.00}. called my school and they said that my loans show a green status. my tax refunds have never been held for non-payment nor has my paycheck been garnished. Do not know what to do.
I have requested copies of my credit report from the three credit bureaus. One of them, TransUnion has lowered my score since my first request three months ago. Additionally, some of my accounts have not been properly adjusted since they have been paid off.

My ability to obtain a house has been severly hampered as a result of the inaccurate rate placed on my file.
I have a number of inquiries on my report from when I purchase my vehicle in XXXX of 2017 I asked the Dealer to send this information to ONE place not multiple, in addition I have a bankruptcy on my credit report that I NEVER filed for, I have never had enough debt for a Bankruptcy.Lastly My Correct Name and Address is as follows XXXX XXXX ( I have never gone by anything else ) XXXX XXXX XXXX XXXX XXXX XXXX! Is my ONLY address
XXXX sold my mortgage of nearly a decade to Carrington Mortgage Services , LLC on XX/XX/XXXX. My mortgage payment stayed the same until I received an Escrow Analysis stating my shortage is {$1400.00} and increased my monthly mortgage payment by {$94.00} per month for a CUSHION! 
In review of this analysis and verification of Taxes and Insurance on the property, there is only a temporary deficit of less than {$150.00} during the month of XXXX  every year. 
Distraught, I called XXXX  and asked for their assistance. They informed me I could request the CUSHION to be removed and a reevaluation of the escrow be performed. I called and requested this at least 12 times in one conversation, being transferred higher up in the chain until I was connected to patronizing XXXX, who stated, for the 12th time, that this could not be removed because of my FHA loan and RESPA guidelines. I stated there is no way a loan in place for nearly a decade suddenly goes up that much. He said feel free to file a complaint and that would do nothing to help me and the CUSHION would remain. 
ALSO, on this same day, XX/XX/XXXX, I received a harassing phone call from Carrington Mortgage demanding my mortgage payment!!! I stated I have NEVER paid my mortgage late and that I had until XX/XX/XXXX to do so! Belligerent XXXX stated it is due NOW and how would I like to pay? I hung up on her. 
WHAT KIND OF SHADY OPERATION IS THIS???? Please HELP.
Convergent Outsourcing is attempting to collect a XXXX, XXXX cellular phone bill when the delinquent amount is not owed. After speaking XXXX with Convergent representatives to demonstrate that incorrect or perhaps fraudulent charges have been assessed against the account holder, Convergent still makes attempts to collect this account.
The original debt and lien was created by XXXX XXXX, XXXX in XXXX, Texas, An unlicensed mortgage banker. The debt was supposedly transferred to XXXX XXXX after closing, however, there is no record of that transfer in XXXX County, Texas as is required by law in the State of Texas. 

The original creditor, and not the debt buyer, is the party responsible for reporting information about the debt to the credit bureaus. Typically, at some point prior to selling the debt, the original creditor will report that the debt has been " charged off. '' The debt buyer can not change or remove this information from your credit report. Only the original creditor can do so. 
XXXX XXXX was our original creditor and as the chain of title with lack of registering any transfers according to the laws of the State of Texas, that would legally make XXXX the purchaser of a debt and not the legal holder of the Deed of Trust and Promissory note. 
This debt has been cancelled by Declaratory Default Judgment of wrongful foreclosure XX/XX/XXXX and the Deed of Trust and Promissory Note is no longer enforceable. 
" The damages for wrongful foreclosure, particularly a willful ( or knowingly ) wrongful foreclosure ( in a non-judicial foreclosure state ) can be quite substantial, including the loss in value of your property, the costs to you of having a poor credit rating because of the foreclosure, the costs of moving elsewhere, emotional distress, and various other costs, including consequential damages which the bank could have foreseen when it wrongfully foreclosed. '' These actions have caused undue hardships on us financially and personally. A seemingly willful disregard for the laws of the State of Texas and refusing to abide by the orders of the court seems to be a matter of contempt. 
The reported no payments were court ordered as the foreclosure process was wrongful and invalidated the Promissory Note and Deed of Trust is inaccurate because the court ruled in our favor declaring the aforementioned actions as illegal and thus voiding the lien. I am requesting that the item be removed or updated to show paid in full to correct the information. 
Another part of the case involved the Mortgage Banker that was illegally brokering Mortgages without a license in the State of Texas through XXXX XXXX XXXX. 
The mortgage began XX/XX/XXXX and involved XXXX lawsuits before final judgment was passed against XXXX XXXX XXXX XXXX in XXXX, Texas and their leaning to Accelerate the loan and all our possessions which is illegal in the State of Texas. 
Roundpoint Mortgage Servicers is the company, along with XXXX XXXX that put the pressure on us and refused to speak with me, the XXXX person on the mortgage simply because it did n't fit their paperwork system. 
I have challenged this through the credit bureaus three times now and XXXX XXXX Servicer as a Debt Collector, refuses to close this and wipe the slate clean.
Transunion and XXXX  have failed to remove all the fraudulent inquiries and accounts from my credit file. I have explained to them how I am a victim of identity theft and through my previous complaint with you, they failed to ignore my request of removing the inquiries that were put on fraudulently. These are the fraudulent inquiries that are currently on my credit file. They have not been removed or updated on my credit report. Transunion claimed that they aren't showing up but when I pulled a current report ( XX/XX/2018 ), they still appear. A supervisor told me today that it would be updated by tonight ( XX/XX/18 ) but this needs to be blocked/removed immediately. You have received all of the theft reports but you continue to fail to follow the law and permanently block my information. The NEW Fraudulent account on my report is XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. This account does not belong to me but yet they have added it to my account. Also, XXXX  has the following collections on my account that I have an identity theft report : XXXX XXXX XXXX and XXXX XXXX XXXX. This needs to be removed as soon as possible. Transunion you have been notified about the multiple inquiries on my report from : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please assist and remove.
I received an email stating that my credit card account has been closed. I did not authorize this closure. I was not notified until after the account was closed. The company did not give me notification beforehand that the credit account was going to be closed due to in activity. This credit card has been on my credit report for 10 years. By citi cards closing the account, it with ruin my credit. I have tried to resolve this with them but they said they gave notice before hand. I have all messages in the online portal and the only notification i got regarding account closure was after the fact, when they had already closed it. attached are the only notifications i received.
Trident Asset Management is a ttempting to collect on a debt that by law, in the state of Florida, they 're not licensed or bonded to do so
I have an account with PNC. For the past year a ACH has been taking money out of my account listed below. for a total {$1400.00} PNC has told me they have no way of tracking who is taking this money. They have given me the phone # of XXXX XXXX listed below is the response I received via email form them. PNC the last time I spoke to them said the charges originates from XXXX XXXX and gave me the same contact the XXXX XXXX who said they do not take money from anyone account.
I only discovered that they were removing money from my account in early may and filed two Disputes for the last 60 days as my local branch manger suggested. PNC later sent me a letter rejecting the dispute and saying I only have 24 hours to file a dispute. Dispute the Branch Manger ( XXXX XXXX ) say that they blocked future withdraws from this account. I had to file another dispute on XX/XX/XXXX for  {$170.00}.
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This all started after I switch cc providers from XXXX XXXX XXXX XXXX, whom I have contacted and they said my account has been closed since last year and they have not taken any money since. Who ever is taking this money has never sent me a statement re these charges or have I authorized whoever to take money from me.
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We are not authorized to remove money from anyones account. Please speak to your bank and they will be able to tell you which company is removing the money.
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Regards, XXXX, Administrator XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX, ext.XXXX XXXX : ( XXXX ) XXXX Direct ( XXXX ) XXXX  Sprout of success May your business blossom!
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XX/XX/XXXX CORPORATE ACH XXXX BANKCARD DEPOSIT CCDISCOUNT {$100.00} XX/XX/XXXX {$99.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$99.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX  XX/XX/XXXX {$99.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$99.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$180.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX  {$88.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$100.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$81.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$79.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$0.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$140.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$150.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$87.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$0.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$68.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$0.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$76.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX
I WAS TRAPPED INTO A CAR LOAN BUT WAS NOT ABLE TO APPLY FOR THE XXXX LAW. I KEPT THE CAR DESPITE COMPLAINING TO THE DEALERSHIP ABOUT THE CAR NOT OPERATING CORRECTLY, AFTER I PAID THE CAR OFF TWICE IN PRICE THE CAR STILL GAVE ME PROBLEMS. A SUMMONS WAS ISSUED FOR A COURT PURSUIT IN WHICH THE COURTS RENDERED THE CASE IN MY FAVOR. XXXX IS THE ONLY BUREAU THAT HAS NOT HONORED THIS DELETION
I 've had on several occasions, problems with my payment to hit my account. I called Navient the past two months wondering why my normal monthly payment of XXXX dollars says XXXX dollars on my Navient app. They would tell me they did not recieve a payment then put me on hold for a brief moment. Both times the representative came back on and told me he found my payment but it has n't been confirmed yet. I questioned them multiple times why I have to call every month asking why my payment is not up to dat. I was hoping somebody would catch on to their antics. I just hope I have n't lost miney because I 'm a very dedicated customer.
I was recently enrolled with Navient loan forgiveness program last year 2016.i had several loan accounts that I was told that would be consolidated into XXXX account. although a couple of payment have been missed. 
Navient went back on my credit report, and in Just one month alone my credit score dropped over XXXX points. and pretty much murder my credit by hard hitting all the accounts instead of just that XXXX I was told it would be consolidated into. this literally happened right after I enrolled into Obamas newest loans forgiveness program.
I made a payment of {$400.00} from my Citibank Credit Card on XXXX XXXX XXXX at a Citibank ATM located at XXXX XXXX XXXX XXXX , XXXX XXXX CA XXXX. The ATM jammed and did not give me a receipt for the payment. I called the branch an hour later and they Branch Manager said they have the {$400.00} that was jammed in the ATM and will make sure it gets credited to my account. It is now a week later and after many calls to Citibank Customer Service and the XXXX Branch Office my {$400.00} has not been credit to my account.
i borrwed  XXXX  dollars and paying  XXXX  each payday ever y two weeks  and the amount i pay didnt credit my account. They are charging me over  XXXX  dollars in interst for a  XXXX  dollar payday loan. I cant afford.
The lender quoted me the estimated settlement or " closing costs '' and their " credit '' that they would apply to those costs, and sent me a Good Faith Estimate. They quoted an interest rate of 3.875 and credits of {$2100.00}. They did tell me that until my Home Equity Line of Credit lender signed their Subordination Agreement, that they could not lock in the interest rate that they quoted me. They said nothing, however, about doing away with or changing the credits against the closing costs. I checked the document that I signed and see no language about the credits against the closing costs being subject to change. Here is the language : and agreed to on XXXX that the rates and PF credit could change also indicated in the subordination agreement you acknowledged before getting started. " Once the Subordination Agreement is received and approved by Provident Funding, I can lock an interest rate, subject to current market rates and pricing ''. Nothing is stated about the closing cost credits being subject to change. First off, I see no reason for the lender being unwilling to lock in the rate while waiting for the Subordination Agreement, and making the rates conditional upon the receipt of that Agreement, but they were unwilling to do that. I was unaware, however, that the credits against the settlement charges were subject to change as well -- that seems unfair to the consumer. Here 's why -- if the credits go away or are substantially changed when the lender is finally willing to lock in the rates, the borrower is stuck with the out of pocket expense of the Appraisal -- which in my case was {$470.00}. That 's a lot of money to the average consumer! So now, if I 'm not happy with the new " bait and switch '' rates and credits that the company is now quoting, I have no choice but to be stuck with the out of pocket expense of {$470.00} -- which I have been informed by several mortgage lenders is not transferrable to another lender! I have to pay that money all over again. They have me backed up against the wall and seem to be able to quote anything they want at this point! How is this legal and fair?