WillisBack/dataset-financial-user-claim huggingface dataset:
I have been disputing negative marks on my credit report with 2 collection firms XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account Name XXXX XXXX XXXX XXXX for : {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Acct XXXX for {$850.00} that failed to provide the method of validation after 3 dispute letters XX/XX/2018 First letter for a method of validation XX/XX/2018 First letter for Statue of Limitations XX/XX/2018 second letter for a method of validation XX/XX/2018 second letter for Statue of LimitationXX/XX/2018 third letter for a method of validation XX/XX/2018 third letter for Statue of Limitation All 3 credit bureau also claim that they verified my dispute inquiry on the 2 negative marks, but fail to provide me how it was verified and by who. Neither of the 2 collection firms and of the 3 credit reporting bureau 's have provided me the method of validation and/or contracts that bear my signature on these so-called alleged debts.

They just keep sending me bill statements that are not a method of Validation.

And after looking into the alleged debt they failed to provide me verification/validation.

I was advised to speak with a representative from my states Attorney Generals office regard Statute of Limitation. I have sent letters to both the 2 firms and 3 credit bureaus regarding the Statute of Limitation in my State of Florida.

In Florida, the statute lasts five years for a written contract and four years for a credit card account.

95.11 : Actions other than for recovery of real property shall be commenced as follows : ( 2 ) Within five years.

( b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument ( 3 ) Within four years.

( k ) A legal or equitable action on a contract, obligation, or liability not founded on a written instrument, including an action for the sale and delivery of goods, wares, and merchandise, and on store accounts.

Florida Debt Collection Statutes of Limitation Almost all other actions fall under the 4-year catch-all limitations period, ( F.S. 95.11 ( 3 ) ( p ) ).

Regardless, if a debt collector or a debt buyer that has taken over the debt files a lawsuit on a debt where the statute of limitations has expired, not only can you dismiss the case, but you may have rights to pursue that collector or buyer under the Fair Debt Collection Practices Act.

The FDCPA prohibits collectors from taking action to collect a debt that they can not legally take. In many states, filing a lawsuit beyond the statute of limitations is a fundamental illegality. If they have taken this step, you have rights to pursue under the FDCPA.

The statute of limitations " clock '' starts ticking on the date of last activity on the alleged account. Typically this is the date of last made payment.

None of either side have acknowledged the Statute of limitation dispute. They just keep sending me a billing statement from the original creditor and telling me they verified but failed to provide validation of these accounts and/or actually documentation the have my signature
I phones Midwest Recovery Systems at XXXX in regards to a missed call. (I also noted that a negative comment was placed on my credit report by this company XX/XX/XXXX). The young lady I spoke to told me I had a debt of $XXXX. I explained to her that I had filed chapter XXXX bankruptcy in XX/XX/XXXX and that it had been discharged XX/XX/XXXX. She told me that it did not matter and that I still owed the money from a loan that was taken out from My Next Day Cash in XX/XX/XXXX. I explained to her that the bankruptcy cleared all debts and she just hung up the phone. This same company had phoned my 2 years ago and I explained to them then that I was in chapter XXXX and even offered to send them a copy of my discharge papers.
i have been banking wells fargo 9 years. in that time i have not bounced much at all this past year i did and it was due to mortgage making a mistake. right now as of this writing i am minus XXXX dollars as my tenant breached her lease and did not pay me at all.XXXX for many years i did not receive. before that she paid partial payments. for last 2 months. i never forecast this and as such payments had been scheduled in advance. inc a payment for the house. that she did not pay. Proper review of this matter to prove this is not my history would reveal that XXXX there. no one took the time to do this. leaving the fees guarantees i will cotninue to bounce. making the whole situation a lot worse.all the scripts i get are unbelievable. no one sees i am responsible and had i known my tenant would not pay at all i would have taken steps. i did not know. now i do. i will need all fees back and for the bank to see this is NOT my conduct or record and that i usually get XXXX at this time.
I pay our mortgage using the bill pay at my bank we have paid this way every since we had the load with no problem all of a sudden we are notified of foreclosure proceedings that the payments have not been paid for 3 months the bank says that it has been paid we have had no notice that the payments were not paid at all just a court date fore foreclosure Evan though the payments were paid,
I am the victim of identity theft. I have tried numerous times to correct this issue with TransUnion without any success. The following accounts are believed to be fraudulent. XXXX XXXX XXXX / XXXX {$8500.00} XXXX XXXX XXXX / XXXX {$14000.00} XXXX XXXX XXXX / XXXX {$4700.00} XXXX XXXX XXXX / XXXX {$18000.00} XXXX XXXX XXXX / XXXX {$24000.00} XXXX XXXX XXXX / XXXX {$7600.00} XXXX XXXX XXXX / XXXX {$40000.00} XXXX XXXX XXXX / XXXX {$17000.00} XXXX XXXX XXXX / XXXX {$2600.00} XXXX XXXX XXXX / XXXX {$32000.00} XXXX XXXX XXXX  / XXXX {$2600.00} XXXX XXXX XXXX / XXXX {$3500.00} XXXX XXXX XXXX / XXXX {$1200.00} XXXX XXXX XXXX / XXXX {$300.00} XXXX XXXX XXXX / XXXX {$2700.00} XXXX XXXX XXXX / XXXX {$250.00} XXXX XXXX XXXX / XXXX {$1500.00} XXXX XXXX XXXX / XXXX {$3000.00} XXXX XXXX XXXX / XXXX {$3400.00} XXXX XXXX XXXX / XXXX {$5500.00} XXXX XXXX XXXX / XXXX {$610.00} XXXX XXXX XXXX / XXXX {$8600.00} XXXX XXXX XXXX / XXXX {$5700.00} XXXX XXXX XXXX / XXXX {$760.00} XXXX XXXX XXXX / XXXX {$3500.00} XXXX XXXX XXXX / XXXX {$37000.00} XXXX XXXX XXXX / XXXX ( All accounts that say XXXX XXXX XXXXXXXX / Navient )
I have a lot of credit inquires that do not belong to me. I have spoken to the credit bureau and provided them with a police report and the inquiries have not been removed. The following companies and pulled my credit without my knowledge : XXXX 2017, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I would like these to be removed from my consumer report.
I sold a gift card on my eBay account and i followed the rules and regulation in regards to selling that gift card on the eBay website. I had the payment information go through papal and papal received the money from the customer and told me that it was OK for me to send the gift card to the customer. The customer sent me an email to send the gift card to her email for faster shipping. i sent the gift card to the customer as instructed. pay pal waited 21 day to put the money in my account. after 2weeks of receiving the money pay pal send me an email saying the customer filed a dispute with her back that she never authorized the payment from her account. pay pal went ahead and did there investigation and said unfortunately they are unable to reimburse me because the transaction was not covered under pay pal seller protection.
XXXX/XXXX XXXX listed multiple 30 day late payment on my credit report on XX/XX/2018 and XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on Experian, XXXX  and XXXX. Please remove the 30 day late payments from my credit reports.
I have had XXXX phone calls from Paragon Revenue XXXX for a lady named XXXX. I have told them I have no clue who she is and told them to delete my number. I have been hung up on three times. They would not allow me to talk to a manager. I understand that this is a high stress job but am disgusted that this company is being represented by very rude employees. I want them to stop calling.
There is a credit card from a company called  Swiss Colony on my  credit report, an account fro m   XXXX /2010.  This a ccount was not opened by myself, I had never heard of this company before this. I have repeated that over and over to them when the phone calls and collection letters started coming shortly after that date. I have disputed it with  XXXX  and   XXXX   all to no avail. I did receive a  XXXX  page letter fr om Swiss Colony asking for all na mes of who could of possibly opened the account in my name and then I was to have it notarized and mailed back. It could have been anyone. Where would I even begin? an ex boyfriend?  XXXX  of my  XXXX    XXXX   XXXX    sisters? The nasty neighbor  XXXX  doors down who doesnt like  XXXX  or dogs? I have  XXXX  dogs. They wont tell me if they have my signature for whatever was allegedly sent. I am trying desperately to clean up my credit so that I can purchase the home I have rented for almost 11 years and is now for sale due to land lords passing. I want this ridiculous nightmare over by having this removed from all  XXXX  credit reporting agencies. I will state again, this is not my account!
I was contacted by a company by the name of Premier Student Loan Center about qualifying for student loan forgiveness. Upon being accepted to a program, I gave the company my personal information to continue with the process. They explained to me that they were not an actual bank but a document processing center for banks that accept people with student loans into a forgiveness program. They then asked me for my password to XXXX and I gave them my banking information and social security number as well. I had to make 5 initial payments of XXXX for processing fees, is what I was told. The payments were set up as automatic withdraw with my debit card, I have made 3 of those 5 payments. I then contacted my actual loan service provider that is listed in my XXXX to tell them that I was only able to make half payment this week and then the other half next and was told that I do not owe any money at this point in time and that my loan was to be submitted next XXXX ( 2019 ) for student loan forgiveness acceptance. The person that I spoke with today informed me that Premier Student Loan Center was probably a fraudulent company and to not give them any more money and to immediately contact my bank and you guys.
Bank of New York MELLON managed to scoop my mortgage up in pooling and servicing as XXXX fell apart and Bank of New York merged. They did not however, file the appropriate paperwork ACTUALLY transferring my mortgage and despite innumerable Qualified Written Request submitted to XXXX and XXXX XXXX XXXX ( I did not even know WHO my servicer was ) I noted this on file at the CIty if XXXX filed literally less than a week AFTER I submitted my Qualified Written Request served upon XXXX XXXX XXXX. Upon discovery and filing of foreclosure by the same ( XXXX XXXX XXXX ) I was made aware that XXXX, who I had been dealing with previously has sold me almost immediately after the XXXX XXXX merger, but that the appropriate XXXX documents had NOT been filed appropriately. Despite a $ XXXX settlement imposed by Attorney General XXXX, which was documented in an article from XXXX of XXXX by XXXX XXXX, it seems they have NOT made any appropriate remediations to the CUSTOMERS whom they defrauded. Withe he FACT that BNY will also pay {$330.00} XXXX to resolve private class action lawsuits filed by the Bank 's customers, my loan was NEVER addressed, nor was I ever made aware of the action. They have clearly committed fraud, should be held accountable for XXXX violations and be brought up on further racketeering charges ... .. I was just one small person who became a victim of their fraud and am now facing homelessness because of Bank of New York/Bank of New York MELLON fraud and complete failure to adhere to SEC regulations. 
Additionally National Mortgage News reported the fact that XXXX XXXX unit should pay the maximum of {$2.00} XXXX in penalties for selling defective mortgage loans to XXXX and XXXX XXXX in the run-up to the XXXX financial crisis, the U.S. says. 
I do not know HOW it 's possible with THIS much fraud going on in the background that the consumers ( some unknowingly ) became wrapped up in without knowledge of consent, should become the victims of. This is sickening to the core. That unwitting victims who paid their mortgages, yet the 'servicer '' refused to correct or make amends to were sold and shuffled around like cards in a game of poker ... ... this is fraud at its finest. The fact that the FDIC, OCC, Attorney ; XXXX General and more ... .. did NOTHING to assist or reach out to the consumers who thought they were doing the right thing is simply nothing more than proof of a cover-up and enabling these companies to further defraud consumers. What these companies did AFTER defrauding customers and shuffling them through " foreclosure mills '', left unwittingly to be further victimized by " the system '' was simple ; y adding insult to injury. For those who did not know what the legal rights were, unless they spent countless hours searching, reading and trying to understand what was happening to them, they were left to fall prey to losing their homes, illegally and fraudulently.
On XX/XX/XXXX i requested Coinbase remove {$1000.00} from my XXXX savings account. This money was removed but never entered into my coin base account. Seven days previously on XX/XX/XXXX Coinbase removed {$1000.00} from same account and entered it into my Coinbase Account. 

I first contacted their support team on XX/XX/XXXX to complain the money was never entered into my Coinbase account and provided documentation the money was removed from my XXXX account on XX/XX/XXXX. I also called their support team by phone no fewer than three times and have sent them at least two dozen emails. Their support team agreed i was correct and raised the level of my problem to a " level 10 '' ( their highest level ). However, after more than two months and multiple calls, countless emails and clear documentation they will not refund my money. 

Clearly this is either fraud or a scam and is frankly outrageous for a XXXX dollar company.
MOHELA refuses to change my principal according my last payment, despite the fact that it was *auto-debited* ( successfully, according to their own system ) by *their system*. I have contacted them numerous times about the matter and nothing has changed ; I received one message in response that claims the amount is correct, despite their own paperwork. I notified them that if they did not address the matter, I wold be forced ( yet again ) to lodge a CFPB complaint ... no response, so here we are.

I will attach my previous two, and the upcoming, auto-debit notices. They show the following : document of XX/XX/XXXX : CURRENT PRINCIPAL BALANCE : {$20000.00}XX/XX/XXXX : CURRENT PRINCIPAL BALANCE : {$20000.00} XX/XX/XXXX : CURRENT PRINCIPAL BALANCE : {$20000.00} Each featured an automatic payment made of {$270.00}. Obviously, a payment toward principal ( {$190.00} ) should decrease the principal by that amount, not increase it by an arbitrary amount.

The correct principal amount should be {$20000.00}. It is quite straightforward! Instead, they actually *increased* my principal slightly!
I have tried to take XXXX euro 's from my Coinbase account via XXXX to my bank account in the XXXX and have not received my money. Promised date of arrival was XXXX XXXX 2017.
I paid a {$11000.00} fee and forfeited {$XXXX} in wages and PTO to payback costs of an XXXX after leaving an XXXX. Their were other factors involved, which can be boiled down to that issue that the certification vendor would not be notified of this agreement or either of our disputes. 
I have detailed paperwork ( an actual contract ) documenting their promise. 
I was not able to obtain a full-time job again in that field for another 5 months. 
At that new job, I was promptly fired because they found that the XXXX had a complaint on file from my prior employer. The contract expressly states that such complaints violated the agreement. 
I contacted the former employer who helped me get the certification, but they will not reply to any form of communication. 
I contacted my credit card and they can not get through to the former employer. 
They finally closed my dispute saying that : " This is well past the 60 day period and we have no obligation to help you. " I had no way of knowing the former employer 's failure until the 5 month point. 
What can I do now? 
Out of work and out of {$16000.00}. 
By the way, that contract expressly forbids legal action from either party regarding any past or future disputes.
XXXX XXXX XXXX initiated foreclosure proceedings prior to the one year redemption following my mothers passing on XX/XX/XXXX. Prior to XXXX XXXX XXXX acquiring the loan in XX/XX/XXXX, the reverse mortgage was being serviced by XXXX XXXX. XXXX XXXX was notified of my mother 's death on XX/XX/XXXX which is the date the one year redemption period initiated. Quarterly updates were provided to XXXX XXXX and XXXX within the quarterly deadlines which I have attached for your review and validation. 

The dates below will outline the One Year Redemption Timeline and Quarterly Update Deadline Requirement ; XX/XX/XXXX- Date of Death XX/XX/XXXX- Quarterly Extension Request Deadline XX/XX/XXXX- Quarterly Extension Request Deadline XX/XX/XXXX- Quarterly Extension Request Deadline XX/XX/XXXX- One Year Redemption Expiration Below, please find the itemized breakdown of the actual written quarterly Extension Requests I provided to XXXX XXXX and/or XXXXXXXX ; XX/XX/XXXX- Date of Death of Mother XX/XX/XXXX- Written Quarterly Extension Request to XXXX XXXX XX/XX/XXXX- Copy of Listing Agreement and photos to XXXX XXXX. The Quarterly Extension request was also provided in this e-mail communication. Please note that XXXX XXXX stated that as long as the extension request is submitted on or anytime before the deadline extension would be sufficient. This is where the internal error occurred. 

XX/XX/XXXX- Written Quarterly Extension Request to XXXX XX/XX/XXXX- Request for Mortgage Statement/Welcome Letter When I received notification that foreclosure proceedings were initiated on XX/XX/XXXX via NOD, I immediately notified XXXX of the violation. Communication was established with supervisor XXXX, Rep ID # XXXX regarding this issue. Per XXXX, there was a final Quarterly Deadline Extension date of XX/XX/XXXX which is NOT legally correct and that they did not receive my final request until XX/XX/XXXX. It is my belief that when XXXX XXXX inserted my extension request into their mortgage system on XX/XX/XXXX prior to the transfer to XXXX, XXXX XXXX   placed the effective date of the extension of XX/XX/XXXX whereas it should have been for XX/XX/XXXX ( Actual deadline Date ). This is where the internal error occurred. By the associate entering the effective extension date of extension for XX/XX/XXXX, it reduced my one year redemption period to 11 months. 

To this date, nothing was resolved. Based on the timelines above, the soonest that XXXX would have been able to initiate foreclosure would have been on XX/XX/XXXX. I have attached all supporting documentation including all written extension requests that were submitted electronically ( e-mail ) to  both XXXX XXXX and XXXX. All supporting documentation has been provided to XXXX to no resolve.
THIS COMPANY IS REPORTING THAT I AM DELEQUENT ON MY PAYMENTS, THIS IS FALSE INFORMATION. I HAVE TRIED TO ADDRESS THIS ISSUE WITH THE COMPANY BUT THEY HAVE NOT RESLOVED THE ISSUE, AFTER SEVERAL ATTEMPS.
I AM REQUESTING A RE- INVESTIGATION OF THE INQUIRIES ON ALL  XXXX  CREDIT BUREAUS. THERE ARE  XXXX  INQUIRIES ON MY TRANSUNION CREDIT REPORT THAT I DID NOT AUTHORIZE. AS YOU CAN SEE SOMEONE USE MY IDENITY AND OPEN UP ACCOUNTS IN MY NAME IN  XXXX   XXXX  NEVADA. A PLACE I HAVE NEVER LIVED AND I AM STILL FIGHTING TO HAVE THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT FILE. I DID NOT AUTHORIZE THESE INQUIRIES AND I HAVE MAILED LETTERS TO EACH CREDITOR ASKING FOR REMOVAL OF MY CREDIT REPORT. I AM ASKING AGAIN FOR A  RE  INVESTIGATION FOR THE REMOVAL OF ALL  XXXX  INQUIRIES OFF MY CREDIT REPORT FROM TRANSUNION AND  XXXX  FROM   XXXX   AND  XXXX . I HAVE DONE MY PART BY SENDING OUT CERTIFIED LETTERS TO THE COMPANIES AT THIS TIME I AM ASKING FOR DELETION OF MY CREDIT FILE. THESES WERE ALL FRAUDULENT INQUIRIES
I am filing this complaint because Diversified Consultants,  Account Number XXXX, is reporting on my credit report. I pulled a credit report on XX/XX/18 and noticed the collection account and immediately requested validation of the debt with the Credit Bureaus and Diversified Consultants on XX/XX/18, via certified mail. On XX/XX/18, Diversified Consultants responded with a copy of the bill from the original creditor. XXXX XX/XX/18, XXXX responded to the dispute stating that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. 

I have no knowledge of an account with Diversified Collections ( XXXXXXXX ) and was never notified have not been shown any physical proof that the account belongs to me other than a billing statement that was sent to me by Diversified Consultants. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 807 { 15 U.S.C.1962e }, which requires them to send me validation containing my signature for the debt owed to them within 30 days of the receipt of my letters, instead of sending this requested information, they sent a bill, which is unacceptable proof of validation. This negative reporting needs to be deleted off all XXXX, XXXX and XXXX  reporting agencies unless Diversified Consultants can provide me with physical proof validating this account I look forward to a speedy resolution of this matter.
The short story is that my interest remains capitalized on my FedLoan Servicing account, despite that it was a mistake from FedLoan Servicing. 

Background : On XX/XX/XXXX, I received notice from FedLoan Servicing that my annual Income Driven Repayment ( IDR ) paperwork was due, as it had an expiration of XX/XX/XXXX. On XX/XX/XXXX, I submitted my paperwork via an upload on FedLoan Servicing website. On XX/XX/XXXX, I called regarding a separate topic ( PSLF ) and I confirmed my IDR paperwork was received. On XX/XX/XXXX, I received written notice that my Income-Driven Repayment Plan paperwork was not submitted, and therefore my interest was capitalized and a standard repayment beginning date of XX/XX/XXXX. I called numerous times between XX/XX/XXXX and XX/XX/XXXX regarding the issue that my paperwork was submitted for the annual review and therefore the interest capitalization should be recalculated. I authorized an administrative forbearance in XX/XX/XXXX and then rescinded ( forbearance matter was resolved ). I was informed during the phone called on XX/XX/XXXX, that the interest capitalization was reversed in XX/XX/XXXX, but due to an administrative forbearance, the interest was capitalized again. FedLoan Servicing representative reported he will submit a review and this will take 7-10 business days. The 7-10 business days had passed and this matter remains unresolved. 

I am requesting FedLoan Servicing correct the interest capitalization with the last correct date of XX/XX/XXXX, due to no fault of my own. I am willing to submit documentation to assist in this matter.