WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I received a letter from Midland Credit Management stating that XXXX  XXXX/XXXX  had sold their debt to Midland Funding, LLC XX/XX/XXXX. They go on to say that I owe {$360.00} from a debt with the account they bought from XXXX. I never had a XXXX  credit card or account with XXXX. I have read online they are scam and ruining peoples credit. They also go on to say if I don't pay it by XX/XX/XXXX they will report the debt on my credit report! 

I do not want to contact them because online it says once they have your phone number or email they will harass you. 

I also read the FTC paid out over 4.5 million to people that were scammed by this company, ruining people 's credit and harassing them, their employers and family constantly. 

How do I handle this scam and protect myself?
Debt Collector: Williams & Fudge, Inc. 
Name of person: XXXX XXXX - XXXX

I have been called 8 times in the past 4 days by this company, and they have contacted my mother several times as well. My mother was not a cosigner on this loan, and they should not have her contact information. These loans need to be rolled into the rest of my consolidated federal student loans so that I may fairly pay them off. It is relatively low balance and does not merit this type of aggressive harassment and collection. My current monthly consolidated payment is $XXXX due to a low income, so I should not be harassed for this amount. I have been given no options for monthly repayment, and instead me and my family are getting harassed. I am happy to figure out a low payment plan, but this is getting out of hand.
Nelnet in formed me on  XXXX / XXXX / XXXX  that I had a past due payment needed but I did not review the message until  XXXX / XXXX / XXXX . I have auto-payment set up with  Nelnet  and my  XXXX  payment was coming out of my account on  XXXX / XXXX / XXXX  of {$270.00}. I figured I would pay 1 extra payment on  XXXX / XXXX / XXXX  of {$270.00} to bring my account current. Due t o Nelnet 's we bsite ( lag, freezing up, etc ), I accidentally made  2 ex tra payments of {$270.00} totaling {$550.00}. Once I noticed what happened in my bank that a total of {$830.00} came out from "  Dept of Education '' aka Nelnet, I freaked out. I imm ediately called  Nelnet 's   customer service on  XXXX / XXXX / XXXX . The initial customer service rep confirmed he saw what I was talking about and th at 1 extr a payment of {$270.00} was in fact processed. He then transferred me to a " solution '' rep for a refund.     The solution rep was rude and told me the Department of Education would not refund my money even though my account was current and the extra payment of {$270.00} was a mistake. I asked if it could be added to my  XXXX   XXXX  payment and she said no, that because I made the payment within  XXXX  's pay period, it would just be extra for  XXXX . I have a   XXXX   XXXX   XXXX   infant who needed that {$270.00} this month and I expressed that to th e Nelnet solutions rep. She said, " Department of Education does n't care. We will not refund. '' This is extremely poor business practices by Nelnet. They are taking money from hard-working peopl e who need it even when their accounts are paid current.
my accounts XXXX account number XXXX date opened XX/XX/XXXX and XXXX XXXX account number XXXX date opened XX/XX/XXXX, are reporting one late to credit reporting agencies. which are inaccurate, so please have these inaccuracies removed especially when i have the creditors letters as approval to do so. 
thank you for your cooperation please find attached the creditors letters.
Collection Agency letter from XXXX XXXX   sent to my XXXX XXXX but name incorrect. That agency is wanting money for a XXXX USA phone bill. We have never had XXXX  account therefore do not owe anything. The problem is when checking credit agency bureau, a SOFT INQUIRY into my credit shows up from XXXX  XX/XX/XXXX and another inquiry from XXXX XXXX on XX/XX/XXXX. We are concerned about damage to our credit history/score from unknown person using our address. The scammers name is listed and similar to my own, however the XXXX XXXX has been in use by me for 20 years and the Soft Inquiries appear on our XXXX credit reporting agency report. There was also a phone call to my wife 's cell phone number XX/XX/XXXX wanting payment.
XX/XX/XXXX I received an e-mail from from XXXX XXXX NY Store Manager XXXX XXXX to contact him immediately at ( XXXX ) XXXX-XXXX he ifnormed me there was a tall XXXX XXXX women in the store pretending to be me wanted to purchase on my XXXX charge, he also told me that found {$1600.00} charges made on my account in XXXX XXXX XXXX, XXXX XXXX onXX/XX/XXXXXXXX which was not charged by me. I live in XXXX XXXX, NY He told me to call XXXX XXXX tell them of the fraud. I immediatley called XXXX XXXX and reported the fraud and close my talbots account immediately. 
XX/XX/XXXX XXXX XXXX sent me letter stating Iam responsible for the charges Iam to pay the bill. Also enclsed was Statement of fraud and Forgery from the Account protection Team I completed the froms and also sent them letter by the Federal Trade Commision Fair Credit Billing Acts that Iam not responsible for fraudulent charges and copies of XXXX XXXX XXXX Police Report of XX/XX/XXXX asking them to investigate and stop threating me to report fraud/forged charges to the Credit Bureaus. XXXX XXXX sent me another letter telling me to pay the bill which was {$2700.00}. Comenity Bank refuses to stop billing me and accept the fraud/forgery. Most important info for you is " I have the XXXX card in my wallet it was never lost, perpetrator was allowed by XXXX to purchase all these clothes without a credit card ''. The next stupidity XXXX did is mail me a another credit card same A/C #, XXXX store and XXXX XXXX are just plain stupid and making me pay the price for their lack of care fraud/forgery charges.
Information is being reported incorrectly. It 's not correct. According to XXXX they claim this is not what they reported. The account balance at the time of the new statement was {$1.00} for interest. XXXX claim that 's what they reported. My balance being reported as of XX/XX/2016 was XXXX balance. It may should have gone from XXXX balance to {$1.00}. 
See attached
XX/XX/2017 I reached out to Innovate auto loan company concerning an improper delinquency past 30days hit my credit and decreased my score by almost 90 pts. I have spoken with three agents and a young man. No one could given me any documentation to show what is going on to support the past due amount. The company stated I had missed a payment last year in which why would you wait 8months later to contact me. The manager would never return my calls and I still have to get this resolved for my home purchase.
I have been paying on this loan since XX/XX/2013 and the balance is still $ XXXX, my monthly payments continue to increase without any explanation, a representative told me this morning that I could save {$8.00} if I enrolled in automatic draft from my Savings account. My car payment is cheaper than my monthly loan payment and my balance is not changing at all.
I purchased XXXX money orders for {$990.00} equaling {$9900.00} on Friday the XXXX of XXXX 2016 at a XXXX store. These Money Orders were then deposited into my financial institution account the same day. The Money Orders were approved and processed on Monday the XXXX of XXXX and posted as cashed according to Western Union on Tuesday XXXX XXXX, 2016. Unfortunately on Thursday XXXX XXXX, 2016 these XXXX money order became Returned Deposit Items due to allegedly being 'Altered/Fictitious Items. ' Western Union is aware of this issue and knows it 's their fault but still choose to hold up my money of {$9900.00} due to a '30 day process. ' This has damaged my relationship with my bank and this situation needs to be resolved immediately. I want my check due to me expedited from Western Union, a letter from Western Union written to my financial institution consenting to fault, and a written letter of apology from them. I am not the only person I know of that had this issue. XXXX of the people I know received his check within a week and it has now been well over 3 weeks with no compliance from Western Union.
This collection is reporting on my credit report and it is incorrect. I have tried to fix it with Experian multiple times and they have still not corrected it. This item is reporting as a revolving trade line that is affecting more of my credit than normal. I have attached a screen shot explaining that this is coded as XXXX XXXX, which is completely incorrect.
In XX/XX/XXXX, I opened a business account with XXXX XXXX at the Bank of America in XXXX.I put {$5000.00}. I know if it does not work, I will lose this amount. I did not know the bank was going to give XXXX XXXX a credit line of {$25000.00} which he will increase to {$35000.00} later. After a few weeks, XXXX XXXX transferred all the money to XXXX XXXX and moved to XXXX XXXX. The last time I talked to him was in XX/XX/XXXX. He was trying to get money from me. After I refused, he got mad and asked me not to call him. A few weeks later, he changed his phone number My wife an I have a joint account at Bank of America. I have never received a call from the bank, an email or letter and I go to the bank almost every week. 
On Friday XX/XX/XXXX, the bank withdrew {$5800.00} from the checking and {$33000.00} from the saving leaving the saving with {$100.00} and the checking with {$74.00} because they did not want to close the account.They said the last time XXXX XXXX made a payment was in XX/XX/XXXX. They just want to collect their money. I have my mortgage, car insurance and other bills to pay. I have never used the card and never been contacted before
Seterus purchased a portfolio of default, non-performing loans from XXXX. XXXX of those loans is on a property at XXXX, TX XXXX that is owned by XXXX XXXX and XXXX XXXX. Their appears to have been under false information as it was a " XXXX home '' loan with a requirement for only the owner to occupy. They have never lived in the home. The home has been abandoned and vacant for well over a year. Since XXXX originated a bunch of these bad loans, they sold the default loan for mere pennies on the dollar. Seterus has not taken any responsibilities for this property. It has been broken into and had illegal squatters creating crime for the neighborhood. Seterus is happy to just sit on these loans. However, these unmaintained, vacant and abandoned homes are tearing up and really great neighborhood. It is attracting crime. We just want Seterus to maintain and secure the home if they have any thoughts of foreclosing. If not, then release the lien so it can be sold. The current owner has default and can not make arrangement for resolving the default. So, we the neighbors are STUCK with a vacant, abandoned home that attracts crime. Why should we pay just because Seterus has rights for the loan but refuses to take any responsibility until it so deems it is their best interest. What about the neighborhood?
US Bank has an online app through the iPhone that allows consumers to make payments on credit cards via their checking account ( both the checking account and credit card are US Bank affiliated ). The application gave no visual feedback confirming a payment in the amount of {$1500.00} was made after two attempts. This seems to be a software bug ( usually I get a confirmation of payment ). So I used the desktop browser online banking to make my payment of {$1500.00}. Everything seemed fine until the night of Friday XX/XX/XXXX into Saturday XX/XX/XXXX when {$3000.00} additional were withdrawn from my checking account and placed on the card. Ironically the one time {$1500.00} payment paid off the card in full. So what is now reflecting in my bank account is an overdrafted checking account of about - {$2200.00} and a negative credit card balance of {$3000.00} ( in other words, they owe me {$3000.00} ). 
I asked them to fix this immediately and was told that it may take up to 45 days to be resolved. Initially the credit card portion of US Bank customer service implied it was my fault and that I probably paid ahead in anticipation of a large purchase with my credit card ( not true ). When I finally spoke with a professional banker, the service was better but I was told that I am out of luck. As it is XX/XX/XXXX all of my future obligations to pay bills, student loans, and rent, may not go through my checking account, and I am responsible for all late fees incurred outside of the checking account. I was told that " eventually '' they will reverse the {$3000.00} overpayment and will not penalize me with overdraft fees. Is it really fair to me as a working class consumer with student loans that I must now face eviction and delinquencies on student loans all over a buggy iPhone app?
My school was closed down in XXXX for not being in compliance with the Department of Education. They received this loan and I never seen anything from it. I ca n't afford to pay back this loan and I want to know I should have to repay all of the money when I never received any of the money. They took out more money than was needed at the time and I have n't completed school with them.
I received a collection letter from XXXX XXXX XXXX XXXX. I do not recognize the original creditor and do not have an account with the original creditor, and I searched the telephone number of the collection company, there is no such number!I believe it's a scam and trying to deceive me into payment them. Let other people see the info and be careful!
I have tried over and over to request documents, a contract or any form of proof that the debt is mine. R and R Collections refuses to validate this debt. I have sent them certified letters month after month. I also have requested that the 3 credit bureas send me proof that this debt is mine. All I know is that its a " vet bill '' I have no further information in the amount of {$2000.00}. R and R collections did not send me an early warning notice so that I may have time to dispute. With out my knowledge they placed it on my credit bureas. dates I have sent over disputes to the bureas and the collection agency on the following debts. I sent them letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and as early as XX/XX/XXXX XX/XX/XXXX
We are in the process of a short sale and the lender XXXX Wells Fargo XXXX has denied providing us a copy of the appraisal completed on XXXX/XXXX/2015. The lender actually informed us that due to it being an internal report and not for credit we cant receive a copy. They are clearly violating CFPB guidelines that state any means used to determine a property value are to be supplied. This seems to only happen when our value is good and the lender is trying to fraud the seller. We previously received copies on XXXX/XXXX/2015, dated XXXX/XXXX/2015. We sent in a value dispute package on XXXX/XXXX/2015 and the lender requested a new appraisal XXXX/XXXX/2015 completed on XXXX/XXXX/2015 the new value {$55000.00} down from the original appraisal of $ XXXX.Here is the file timeline:XX/XX/XXXX : short sale was XXXX : called spoke to XXXX XXXX Presidential team said they do n't give out copies as they paid for it, desktop value $ XXXX completed XXXX requested copy via XXXX : called spoke to XXXX XXXX XXXX, XXXX requested copy of BPO & fax XXXX : email XXXX XXXX, processor/negotiator requested copy of BPO & sent MLS XXXX : XXXX emailed me the address where to send request copies of Appraisal, fax/mail sent, Counter received at $ XXXX : MLS rebuttal emailed to XXXX XXXX XXXX XXXX Loan Adjustor Spec XXXX XXXX XXXX XXXX Executive Office called stating the appraisal sent via mail on XXXX : mail rcvd desktop appraisal $ XXXX dated XXXX : Value Dispute Package XXXX, XXXX, : email req XXXX : email rcvd XXXX XXXX ( Loan Servicing Specialist XXXX asking for loan # XXXX : email rcvd XXXX XXXX he ordered new XXXX XXXX XXXX XXXX XXXX : 3 faxes sent & mailed Req copies of XXXX : XXXX Executive Offices called copy will be sent out next XXXX : email req update from XXXX XXXX, called WF XXXX XXXX XXXX XXXX left VM XXXX called WF CS spoke to XXXX ID # XXXX transfer me to XXXX XXXX XXXX XXXX full appraisal done & got it back on XXXX came in $ XXXX : email XXXX XXXX update? Called WF spoke to XXXX ID # XXXX resent XXXX : email rcvd/reply XXXX XXXX asked for buyer highest/best I said buyer came up $ XXXX : fax rcvd Ltr SS withdrawal due to not rcvd docs on time by XXXX XXXX in Liquidation Servicing XXXX, emailed XXXX XXXX he said he did n't send withdraw but file is open with him. Need buyer XXXX : XXXX XXXX WF escalations called she is unable to send copy BPO due to it being internal use and not for credit I said per CFPB yes, will file complaint, 3 faxes/mail sent req 2nd copy of BPO XXXX mind you she called me on XXXX & XXXX previously and told me the copies were sent out for desktop appraisal )
With Eqifax only i have a problem receiving my free annual credit report. 
When i contact Eqifax they reply by stating they have nothing to do with the website annual credit report.com and can not explain why i cant receive my annual credit report.
Wells Fargo cost me {$2300.00} and kept home ( double wide mobile home on block foundation ) my off of market for 2 1/2 months ( was under contract ) As seller of home i jumped through all hoops for the HUD loan fro Wells Fargo. They wanted a septic inspection and structural inspection well after due dilligence period was over, 1 1/2 months after being under contract. I had to use one of their septic people to be certified.The septic inspection buyer paid for initial {$400.00} which was dig up lid and pump out, when there XXXX XXXX told me i needen new baffle tee and filed lines pumped out. A new baffle tee was installed 2 years ago and tank was pumped then, house has been vacant for 1 1/2 years. XXXX told me it would cost extra {$500.00}, i told him i did not see the need, he said then it would fail inspection i.e. NO SELL! So i paid the {$500.00} ( can you say SCAM! ). Then 1 week after that the structural engineer said that mobile home did not have enough tie downs ( home was up to county and state code ) and he just happened to know an engineer who has designed a new tie down system that would solve my problem that would be certified just like XXXX was on my septic. The sysytem cost {$1800.00} keep in mind that if i did not use this sysytem it would fail inspection also! Now all work down to be certified, found out yesterday 3 weeks after all work completed that buyer does not qualify for loan!!! NOW I AM OUT {$2300.00}. Why was buyer portion not done first??? Can i sue wells fargo?? Buyer put down XXXX earnest which helps a little ....
I had an accident and was transported to a hospital by  XXXX   XXXX    XXXX   XXXX   on  XXXX / XXXX /  XXXX   They are located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   .   XXXX   XXXX   XXXX  CA.  XXXX  Phone  XXXX .      XXXX   XXXX  sent me a bill for {$2500.00} and I gave them my  Health Insurance information (  XXXX    XXXX   ).   XXXX   XXXX  paid them the contracted amount of {$2000.00}.     Since they had a contract with  XXXX   XXXX  they have agreed to accept that amount for their service. I do not owe them the difference.     They sent me a bill saying I owed the difference. I called them with  XXXX   XXXX  on the phone and  XXXX   XXXX  confirmed that I did not owe them anything because they had been paid the contractual amount.     They sent me another bill, I conference called  XXXX   XXXX  again and we told them the same thing.     Now they have sent the account to collections.     I called them AGAIN and told them I do not owe them.  XXXX   XXXX  faxed them an explanation of benefits to prove this.     I am still receiving collection calls and letters.
CAVALRY PORTFOLIO SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The above company placed two collection accounts on my credit reports with all XXXX reporting agencies. They allege that I owe them {$6600.00} for one account, and {$4400.00} on another account. I never opened an account with Cavalry, and I do not believe they have a right to damage my credit rating by placing new accounts on my credit reports. Both accounts were added to my credit report in XX/XX/XXXX.
While staying at the hotel XXXX XXXX XXXX in XXXX in XXXX of XXXX, I was approached by a sales rep. for a company called XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX. They invited us to a complimentary brunch to show us the benefits of becoming a member. In my desire to travel more with my wife for a discounted rate, we joined based on the claim that a stay at their hotels around the XXXX and XXXX would be at discounts up to 40 % of prices on other websites like XXXX. 

I quickly found out after returning to the XXXX that the XXXX website showed no discounts and were in fact more expensive than other travel websites. In XXXX XXXX, I submitted a signed letter requesting a cancellation as per their required documentation and only received an email back saying " Your request is being reviewed. '' All of my requests to confirm my cancellation were ignored. 

In XXXX XXXX, I received a letter from a collection agency stating that I owed the balance of my membership. XXXX, a company based in XXXX, is using XXXX collection agencies to unjustly force Americans to pay for a service they did not provide.
I inadvertently responded to a XXXX " promotion '' online with an attached requirement to open a PayPal Credit account. I have received no services from XXXX and only an ongoing battle with PayPal Credit about the interest charges. 
Exasperated with both companies, I have reluctantly paid both charges -- the initial charge of {$170.00} and subsequent interest charges of {$26.00}. But I am appalled at the fraudulent behavior of these companies and wish to submit this complaint.
My mortgage was sold from my long-time servicer, XXXX XXXX XXXX, to PNC Mortgage. I received my first notification on XXXX XXXX, 2016 that as of XXXX XXXX, 2016, they would be servicing my mortgage. I was unable to pay on XXXX XXXX, 2016 because none of the accounts were set up. Finally, on XXXX XXXX, 2016 I was able to make my mortgage payment. On XXXX XXXX, 2016, I made a {$350.00} payment to principal which was never credited. I called on XXXX XXXX, 2016 and I was told it would be corrected. I just received a letter that the {$350.00} was applied to the XX/XX/XXXX mortgage and I owed an additional {$170.00}. My friend who is an accountant suggested I pay online to avoid this. I went to the PNC website and they charge for paying online. In my 18 years of making mortgage payments, I have never had anything like this happen. I can see that I am being set up to go into default! I can not believe what PNC is doing is legal.