WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX has been reporting an collections account on my credit report with all three bureaus. I've never had an account with this company and requested debt validation via certified mail in the form of an original signed contract between myself and the company. The company was not able to provide said document and I submitted the letter, copy of the certified mail receipt, and the contract that they sent back to me ( between myself and another company ) to the bureaus via disputes. Despite the fact that I've shown proof that I've never had a contract or done business with this company, the bureaus will not remove the account and the company continues to send the bureaus lies. XXXX XXXX XXXX is NOT XXXX XXXX XXXX XXXX XXXX or XXXX XXXX.
A male who said his name was XXXX called both me and my wife saying he was a Process Server and that he was letting us know that he would be at our home or place of employment to serve legal papers unless we called this number XXXX we called that number four times and all we get is a voice mail. With his last phone called he said, " that was your last chance and I 'll be at your home at XXXX on a specific date, Ill see you then. '' He leaves no other information on this matter. '' I contacted my Lawyer and he had me file a police report, file his complaint and keep any other contact with this person. My Lawyer informed me, plus the Police taking the complaint that Process Servers do n't call you before they serve papers and this was most likely a scam or and illegal attempt by a collection agency to collect a debt with scare tactics.
I have a federal student loan that was taken over by Navient. I have had to call them during my divorce, an injury, my son 's XXXX illness which led to a XXXX, to come up with a reasons monthly payment. They have not been helpful with repayment options and kept recommending forbearance. They keep placing it n forbearance and I have called numerous times over the years to repay at a reasonable rate. My loan that started at {$60000.00} is now over {$100000.00} and they wo n't agree to a monthly payment lower than {$980.00}. When my son was critically ill with his XXXX they kept recommending forbearance. I have called many times to tell them I am able to make payments of $ XXXX/month and they will not agree to it or negotiate another reasonable payment. It has ruined my credit. I usually work 7 days a week to pay my son 's medical bills and I explained that my first house is to cover his costs and I wanted to pay back my loan. They kept saying forbearance was the best option for me.
I have submitted to all three major credit bureaus copies of all checks that were made on my VA mortgage loan with XXXX since XX/XX/XXXX.  The checks clearly show the payment made, cashed date by XXXX   where they used XXXX XXXX bank. I also submitted to each of three major credit bureaus the payment history sent to me by XXXX since acquiring the loan. Yet ... I still do not show the payments, cashed checks being credited and corrected to my credit report. I only show on some credit reports XX/XX/XXXX, XX/XX/XXXX. Another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. Then I see another error with XXXX showing a MAJOR incorrect issue with the loan over {$200000.00} which is also incorrect. 
All three credit bureaus, you have received the proper legal paperwork showing all payments, cashed checks and payment history. I am asking before seeking media assistance in resolving this ongoing issue to please correct and credit my personal credit reports as should show reflecting as I submitted to all three credit bureaus via mail. That information was sent, received over a month ago. Yet, still my credit reports are not correct. 
This will be the final time, in which, if this does not finally get addressed I will be contacting media with regards to this simple issue that should had already been resolved. Such an easy issue, yet still after submitting all proper evidence showing all the payments I have made on this loan. All three credit bureaus still do not have the information, payments, my FICO score reinstated as rightfully should reflect on all three reports.
My name is XXXX XXXX, a mother, XXXX of over fifteen years, and honest citizen. This is an URGENT Mississippi action where a company is trying to collect on a six year old alleged judgment that was never agreed to or filed in court. 

XX/XX/XXXX, Midland Funding , LLC attempted to collect on a credit card debt by suing me. The case was released. However, the company, or their lawyers, NEVER got the judge to sign a judgment, nor was a judgment ever filed in the court. I called the court for copies of the documents several times to see if I had a judgment ; there is still no filed judgment! Because the judgment was never filed, I did not make any payments to the Midland. This company, then, fell under scrutiny and was sued by multiple persons - I was asked to join the suit, but declined. The company immediately fell under and was dismantled. As such, I definitely made no payments. 

On XX/XX/XXXX, XXXX contacted me and my job alleging I owed a balance and they were going to execute a garnishment. I researched the issue and verified that in Mississippi debts must be collected within three years. I had not been in contact with the company since XX/XX/XXXX. So, I responded in accordance with the Fair Debt Collection Act. In that response I neither acknowledged or affirmed the debt. I asked them to stop writing me and my job because they lost their chance to collect because it had been over six years. 

They continue to write me and my employer. The company continues to threaten me, and recently they have " found '' a signed document that was still never filed. I am afraid and embarrassed by their illegal attempts. My employers are afraid and contemplating releasing me. I have been a nurse for over fifteen years, and I am a pretty great nurse. I also love my job. I am a single mother of XXXX, and I acted responsibly in handling this matter.
In

XX/XX/XXXX I conta cted XXXX XXXX to see to see if I would be able to do a short sale for a significantly underwater co-op apartment that I owned. At that time, I vacated the apartment, kept it in good condition and wanted to continue to make payments to XXXX until such time that the short sale process was concluded. The XXXX  representatives
directed me to fill out an application packet, which I quickly did. Although the application,
which I provided, was complete, they incorrectly asked for additional irrelevant information, which delayed the process for several weeks.
After XXXX acknowledged the information I provided was accurate, I received a letter in late XX/XX/XXXX, stating that my application was denied because I was not eligible to be considered for a short sale.

In early XX/XX/XXXX I wrote/called XXXX to understand why I was not eligible for t
he application and was told because I was up to date on all of my payments ( to be cle
ar I NEVER missed one payment in 14 years ).

I was told that my application would not be considered as long as my payments were current. I explained that if I ceased
payments, it would XXXX my XXXX credit score and furthermore was not what I want
ed to do because of how the damaged credit score would hurt me with other pers
onal/business

matters. After hearing from XXXX that there was no other way to proceed, I stated to XXXX ( on their calls which they record ) and via formal follow up written and electric communication ( w
hich they received ), that although I completely disagree with their forcing me to do this, I would temporarily cease payments as they instructed ONLY if they accurately reported that I was not making payments solely because of their forcing me to do so as opposed to XXXX stating that I was temporally suspending payments as my sole discretion.

Furthermore, I stated verbally and in writing to XXXX that I would consider such reckless disregard to comply with this as bad faith and that I would be irreparably harmed. I received NO RESPONSE TO THESE LETTERS DISPUTING MY POSITION. 

Thereafter in late XX/XX/XXXX, I received payment notices and calls requesting payments. I responded to all XXXX calls and letters with my position, asking for a supervisor to confirm. I received NO RESPONSE TO THESE LETTERS DISPUTING MY POSITION.

In late XX/XX/XXXX, I was
monitoring my ( and my wife 's credit score ) and noticed that there was a negative inaccurate  notices from XXXX. Once again, I called and sent letters asking for a XXXX supervisor to contact me and I received NO RESPONSE TO THESE LETTERS DISPUTING MY POSITION. 

In early XX/XX/XXXX, I separately was in the process of obtaining a loan from a separate bank and was denied because my original XXXX ( which had me pre-approved ) dropped to XXXX SOLEY BECAUSE OF THE INACCURATE DELINQUENCY NOTICES PROVIDED TO THE CREIDT AGENCIES BY XXXX. 

When I explained to them what happened, I was told this was a predatory lending practice by XXXX  a

nd if their bank were to do so they would be sued and fined. I have now be
en irreparably harmed by their predatory lending practices and can not get XXXX to engage on cleaning up their mess.
According to the letter states We 're sorry to tell you that we will be closing your Barclaycard XXXX XXXX Card account for the reason outlined below. All cards issued on your account will expire on the last day of this month and new cards will not be issued. 

Balanceon this account is too high.
Credit score on XXXX XXXX bill went down considerably.Contacted XXXX XXXX, They told me to speak with Transunion, I called them to find out why my score went down.They refused to provide me with the information of why the credit score went down, even after I demanded it! I asked for a manager, they then put me on eternal hold.I then contacted The Consumer Financial Protection Bureau.
I recently visited XXXX, XXXX, and Transunion websites and purchased the credit score and reports products. The issue is that when I apply for loan through a lender all XXXX credit scores were completely different and drastically lower than what the website showed compared to what the lender provided me with. I contacted the XXXX credit bureau 's and they told me my score was based off educational score which when explained to me did not make sense. I then contacted lender and went to there office provided the online scores from each credit bureau 's. The lender explained that scores would vary but should n't have varied that much. XXXX shows XXXX actual XXXX ; XXXX shows XXXX actual XXXX ; Transunion shows XXXX actual XXXX.
Capital One took 2 additional debts out of my checking account without my authorization on XX/XX/2018. One for {$100.00} and another for $ XXXX.This Iinturn caused my checking to go in the negative. When I called the rep was telling me I made them on my app, I told them I did not and they basically said their was nothing they could do.
I last heard from XXXX XXXX XXXX cable combany in XXXX XXXX between the years of XXXX and XXXX. I did n't pay my cable bill so they deactivated my account and canceled my subscription. I never knew you could owe a debt from a service you no longer wanted to have. The debt has since been turned over to XXXX with a debt of {$320.00}.
Received letter from LoanMe , Inc. offering a loan of up to {$10000.00} at an APR of 99-180 %. 

That does n't sound right to me. The XXXX gives this business an A+ so I 'm not sure if it 's criteria can be trusted either. 

Maybe I do n't understand what a fair installment loan is but 99-180 % APR just seems ridiculous. What makes matters worse is that I could use the money and can just imagine there are folks out there who may just be desperate enough to accept the terms. It just seems wrong that these loan offers can be sent to people when they just seem so unfair.
I have disputed on multiple occasions with the credit bureaus about the inaccuracy of this accounts, XXXXs, requesting verification that this account belongs to me, and provide the original application, and/ contract with my signature. However, every time I initiate an investigation with the CRA 's they report back as " account verified and belongs to me. '' The CRA 's are reporting this account as a charge off with a monthly payment? How is it possible for a charge of to report with a monthly payment? Obviously, the CRA 's are not reporting an accurate, complete report.
Over the course of a few days I received XXXX overdrawn fees for a Business Checking account through Chase. I was under the allusion that my card would decline if I had insufficient funds to make a payment. I used this card multiple times without realizing it was overdrawn. Chase did not alert me via notifications ( email or text ), but only a letter than came a week later. The XXXX {$34.00} fees came to {$400.00}. 

I called to speak to escalations 2 times on the day I realized ( XXXX XXXX, 2017 ) and they only offered to return the amount for one fee - {$34.00}. They told me I needed to have signed up for notifications, and that I was on debit 'coverage ' which allowed me to make payments with insufficient funds - to be charged a fee if my account was still overdrawn by XXXX in the evening. 

This amount of {$400.00} seems excessive to me. I feel like Chase have no care for their customer whatsoever, and that I should have been notified immediately when I incurred a fee ( regardless of system setups ). I do n't understand how they can possibly withhold such a large amount from a customer, offering no alternative for me, once my phone call complaint was immediately denied.
I got a line of credit through XXXX XXXX 10 years ago. I never missed a payment nor has it ever been difficult to make a payment. The new bank BB & T is demanding the full loan amount paid in full which I do n't have at this time. I 've made numerous attempts to try to refinance, restructure, or get a loan modification. The bank has made little to no effort to help me resolve this situation. As quick as they were to give the loan they should be as quick to help me resolve this. I do n't want to lose my house and will do what ever it takes to keep it.
I Was cheated by your vice president branch manager wells fargo XXXX XXXX IDXXXX when I opened my account I was promised that I will be able to make transfer onlain. He promised me everything that I asked. He didnot tell me that I need SSN and US phone number. I told him that I live in XXXX and was not going To US again. I was cheated. I am not able make wire transfer or domestic transfer onlain. When I call them, they always promised me that call me back. But every time they cheated me. 
I am a XXXX and permanently live in XXXX and I am not able to vizit a bracnh. I submitted complain to Office of the Comptroller of the Currency My Confirmation Reference Number is : XXXX The OCC is an independent bureau of the U.S. Department of the Treasury.

I submitted complain to Consumer Financial Protection Bureau ( CFPB ), Confirmation Number XXXX. Ps I had already had problem with your bank and it was solved after complain and your bank even sent me a XXXX as gift.
On XX/XX/XXXX I traded my car XXXX XXXX XXXX in to XXXX XXXX to build my credit by leasing a vehicle which they gave me XXXX for my car as a down deposit for the XXXX XXXX XXXX XXXX and once I was approved by the Bank Auto Trakk they had set me up on a weekly payment plan which they told me if i pay my bill on time every week for 6months that i can go on a monthly payment plan which that never happen, also I ask if the car had an inspection cause it had just came on to there lot that same day they told me yes and I also ask them for a XXXX XXXX on the vehicle which they never gave me so after the 6months I no longer could pay them every week so I tried calling the Bank Auto Trakk and they kept giving me a hard way to go so I kept paying it weekly until I start falling behind with my payments so I took the car 1st out New Jersey to a dealership called XXXX I forgot the rest which this was in XX/XX/XXXX and they gave me a XXXX XXXX on the car and told me that the car was n't worth no More then 10,000 so they try calling they bank to make a offer with them so that I can trade that car to get another car which was in my monthly budget but Auto Trakk refused the offer why I do n't no, Ok so then I takes the car to XXXX XXXX on XXXX XXXX and they basically told me the same thing that due to the car being in a accident in XXXX that the value ai n't worth no More than 10,000 so they tried to negotiate with Auto Trakk so I was tuck with a car I that i no longer could pay on a weekly basis so i called them and told them they could come and get the car cause I no longer can pay them on a weekly basis, but before they came and got the car I was paying on time every week they never gave me my credit points for that and they charge me XXXX for this car and I receive a collection bill in the mail saying I owe them XXXX but on my credit report it saying I owe them XXXX or more so why was I credit for my payments that I was making they ripped me off and never gave me anything as for me calling and telling them to come get the vehicle.
On  XXXX   XXXX , I sent a dispute requesting validation of the alleged debt that  XXXX  is reporting. In particular I challenged t he Open Date  of    XXXX   XXXX   XXXX   as I  believe that the last payment was made in mid  XX/XX/XXXX certainly not  XXXX . I have heard that it is common for collection agencies to reage the debt in an effort to avoid  Statute of Limitation.      I never got any response to my letter and the reporting of the debt remains without any indication that it was being disputed.     On     XXXX   XXXX   , I se nt another letter requesting validation and still no response. The debt is still appearing on my credit report without any indication that it is in dispute. Statute of Limitations has expired but  XXXX  has in my opinion intentionally reaged the debt from its original  XXXX  time frame.
I requested an IDR plan via studentloans.gov on XX/XX/XXXX, about a month before my first payment would be due to XXXX XXXX. They sent me a bill for {$310.00} and only billed me for my loans from undergraduate. I have new loans now because I just finished grad school in the summer of XX/XX/XXXX. I called them on XX/XX/XXXX to check in about why my IDR application hadn't been processed because I knew the payment they provided was too high. The person on the phone told me that the application hadn't been processed and I had to request forbearance to avoid making a payment so I requested a forbearance and now, 12 days later, it was never processed and there's no record that I requested as forbearance. I submitted a complaint through their ombuds and they told me that I never requested a one month forbearance on my original IDR application and they sent me a copy of a paper application ( I completed the application online ). I'm on the phone with them now and they're telling me that I need to pay a minimum of {$5.00} to switch my loans to an IDR plan and that my IDR application is done, yet my account still says I'm 12 days past due and that I owe them {$1300.00}. At no point have they contacted me to tell me my IDR application was approved, to tell me what my payments would be, to tell me what loans do or do not qualify. There is a " request summary '' on my account homepage that has a status bar that says they received my IDR request, but nothing further has been done. I'm on the phone now with XXXX # XXXX and he's telling my application has been processed, I just need to pay a {$5.00} min to get my loans switched over to a new plan. I'm so confused and angry because every time I call their customer service folks give me different answers. They don't know what they're talking about and then they don't follow through. There was a note on my account that said they weren't going to do the forbearance because my loans were in queue or something of that nature. He's now saying that the person tried to place the forbearance on all my loans instead of the ones I was originally billed for, which is why the forbearance never went through. I paid the {$5.00} minimum and the customer service person, XXXX, notated this on my account. I'm not sure why I had to pay {$5.00} for my request to be processed however.
The Homeowner fell behind on her mortgage and tried to work out loss mitigation options with her servicer, BB & T. The Homeowner and BB & T participated in a state administered mediation session that concluded without an agreement. As a result of the mediation, The Homeowner knew what documents BB & T needed to continue their loss mitigation review. She submitted those items on XXXX XXXX, 2015. BB & T 's attorney confirmed that he had received the workout package, he forwarded it on to BB & T, and he also confirmed that the Homeowner had submitted a complete package. 

BB & T 's counsel agreed not to move for a foreclosure sale during the loss mitigation review and agreed that there would be no foreclosure scheduling until at least XXXX XXXX. Despite those assurances the Homeowner received a notice of foreclosure sale date on or about XXXX XXXX, 2015. Currently there is a foreclosure sale date scheduled for XXXX XXXX, 2015 and BB & T has not completed their loss mitigation review. BB & T did not request additional documents for the loss mitigation review until XXXX XXXX, 2015. The Homeowner is in the process of collecting those items.
After making numerous XXXX transfers into my Coinbase account, from my bank account. They will not let me withdraw any of this money to the same bank account it came from, with Coinbase saying its an unverified bank account. 

Have I been scammed? 

Keeping someones money against their will is theft, and I have reported their actions to the local XXXX Police authorities. The crime reference number I have posted to the Coinbase support pages.