WillisBack/dataset-financial-user-claim huggingface dataset:
This debt is n't valid, the contract is null and void due to the fact the spelling of the name listed is n't mine. I will be getting in contact with an attorney and filing suit if this is n't removed from my credit. I know my rights as a consumer and I know FDCPA laws.
XX/XX/2018, I was informed by Navient that I qualified for loan forgiveness program. Navient employee asked me to stay on line while she directed my call to a XXXXpecialist who would take my information and begin request for loan forgiveness. I was charged a fee to begin process and on XX/XX/2018 XXXX payments of XXXX was charged to my credit card. After contacting Dept. Education, I am now aware that I do not qualify for loan forgiveness program and no fees should have been paid for any reason. 
My bank is aware and will look into XXXX XXXX XXXX.
i have 2 student loans for my XXXX XXXX XXXX i had in my reports that i do not have to start payments until XX/XX/2016. 
In XX/XX/2016 i started receiving calls from XXXX XXXX and Eduction Department saying that i was late with payments, At the time i lost my job and was unemployed without unemployment benefits. According to the calls, i was 90 days late. I filed for forbearance and later for IBP -income based  payments. My account was reported to be late by 60 and 120 days 8 times. even if i was late, it was ONCE and even that is debatable because i never received paper or email statements. My credit score is terribly damaged and XXXX XXXX would not remove these late payments and they continue hurting my credit
I have disputed this account more than several times, then had to take it upon myself to contact the creditor and obtain the history which still is not correctly reporting on my credit. I do not know how these agencies go about receiving a dispute and complete a full investigation as nothing has been addressed or even verified. This agency still continues to report late payments on my mortgage in 2014 which is NOT accurate on my end and the creditor. Please see attached and help.
I contacted Santander Consumer 4 times. I wanted to settle the debt of XXXX dollars. They told me if I paid XXXX dollars of the debt it would be updated and removed from my credit report. I requested confirmation of this on 3 separate occasions. They have yet to update this on my credit report. It is still stating that the debt is owed and I yet to receive the confirmation letter from the company, though I requested this information on several occasions. I would like my XXXX refunded to me the original charge off date returned to me in the form of a check or redeposited into my bank account or this debt removed from my credit report. This is falsification of information and I would have never restarted this debt had the company not lied and stated the information would be removed from my credit report. I am making strides to fix all things on my credit report and I 'm very upset that they are n't being truthful.
I found money missing from my Chase checking account. It seems my debit card information was hacked and used at ATMs in the area. It was missing in increments of {$800.00} over a span of 5 days. Total {$4000.00}. As I can not take more than {$500.00} a day from my account by way of ATM, it should be a closed case. I found out last week that Chase decided they are not reversing the disputed charges on my account.
Today I got a phone call from an unknown number. They inquired about a document I need to sign and send back. I told them I did not get any documents and they gave me a reference number and a new phone number to call. The new number was for a law office ( do n't remember the name ), they told me Wells Fargo was going to summons me to court. They wanted me to pay around {$300.00} now or over {$1300.00} if I lost in court. They claimed it was from 2012, but I 've never gotten a letter or a phone call today. Somehow they knew my current address and phone number but for the last 6 years they could n't reach me. They knew my past addresses too, but I never got anything at those addresses either. I had an account with Wells Fargo but it was well before 2012. I told them this is the first I am hearing of it. I ca n't even figure out how to over draft {$300.00}, I think they shut down your account after {$75.00}. I think they will be mailing me something. It just seems wrong to me.
On XX/XX/XXXX, XXXX XXXX from JPL Recovery Solultions left a voicemail on a former roommates voicemail regarding a debt with XXXX. The voicemail contained illegal information not allowed to be provided to 3rd Parties. On multiple occasions before and after this through XX/XX/XXXX, XXXX and other associates had multiple illegal contacts with 3rd Parties regarding this debt.
On XX/XX/2018 @ XXXX XXXX I ( XXXX XXXX XXXX ) entered PNC Bank in XXXX, AL to deposit into an account in the name of XXXX XXXX in the amount of {$15000.00} cash to act # XXXX Routing # XXXX This was a favor for my fianc at the time that was in the military and needed money sent. My fianc and I are no longer together but that shouldn't matter. If this account was truely a scam account then where is my money. This entire nightmare has been unbelievable. 
Later that day I received a phone call from the XXXX, AL branch informing me the account I deposited the money into was being reported to me as a " SCAM '' account and the Assistant Branch Manager at XXXX informed me they were letting me know that they had caught the money before it was lost to the scammers. As soon as they had my {$15000.00} back for me, they would let me know. 
Since then, there have been so many stories told to me by PNC corporate, different branches, my phone number was even blocked and the worst of all came from a very rude branch Manager from Ohio where the money was actually taken and the account was reported closed. This very rude Manager actually told me the {$15000.00} was now her money to keep since she is the branch manager and I didn't have an account there. I had verified everything prior to depositing the money so I'm not sure what this lady meant. No one 's money should be hers!! 
I have tried everything to get the money back. There have been so many lies told to me by this company its unbelievable that they are still allowed to be in business. THe worst thing of all is the Branch Manager and Assistant Branch Manager have been going around the small town of XXXX telling people I am part of a " SCAM RING '' ... Really .... there's no such thing ... I XXXX XXXX for the military for over 30 years so how does some very low life individuals get to ruin my name!!!! I want them to be behind bars. I am XXXX with a XXXX XXXX injury XXXX and have had enough of the disgrace!!! I want my money back and stop trashing me.. They even have another bank around here labeled me as a FRAUD!!! REALY!! 
Please help in resolving this matter. Ive tried for quite a while.
XXXX XXXX refuses to accept my certification of employment to calculate the correct amount of payments I have made towards the PSLF program. I have given them everything they ask for and each time they send me a letter with a list of new " Missing Information. '' I have have sent in the form 4 times. The last time I even attached a letter with it telling them they can contact my employer to verify but each time they say for me to have my employer contact them.
My consumer rights have been violated, I did not sign any agreement with Midland Funding LLC, and they have filed a " Statement of Claim '' against me.
I entered into a Home modification loan to enable me to keep my home. I had rented my home out and had a hard time getting my tenants to move including taking them to court, so the house payment was not made for 2 years. I was going to just give the house back to Wells Fargo but decided to keep it and do this modification. In the long run it went thru but they said by the time they tacked on the fees and interest etc, my new loan was going to be for {$230000.00}, how can this be? The house is not a XXXX home. Can someone explain if I got took or not?
Review of credit monitor service indi cates thon  on  XXXX / XXXX / 017   BUR MED RECON  placed  XXXX  medical accounts in collection. I 've received no notification from the collector by mail, email or phone. I do not recognize any of the items listed below. Because of the age of these accounts.     Collection item  # 1 1 ) Original Lender : Medical 2 ) Acct # :   XXXX   3 ) Age of acct : 42 Months 4 ) Highest Balance : {$200.00} 5 ) Amount Past Due : Not reported Collection item # 2 1 ) Original Lender : Medical 2 ) Acct # :  XXXX  3 ) Age of acct : 41 Months 4 ) Highest Balance : {$85.00} 5 ) Amount Past Due : Not reported Collection item # 3 1 ) Original Lender : Medical 2 ) Acct # :  XXXX  3 ) Age of acct : 31 Months 4 ) Highest Balance : {$99.00} 5 ) Amount Past Due : Not reported
defamation of character. 
XXXX said my XXXX  shows a late clearly from XXXX paid on time never late
I have disputed with transunion about accounts that did not belong to me and asked for an investigation. The investigation took over 30 days to complete and the results were the same which suggests that the investigation was incomplete.
The mortgage company sent us a letter of approval for a conditional short sale, then dropped the ball and wanted us to resubmit all paperwork. All documentation was presented in a timely fashion well before any deadlines. The mortgage agent told our sales agent that someone in the company had dropped the ball because of the XXXX of XXXX holiday, yet I received a denial letter stating the conditions of the sale were not met. The price offered was too little, yet was equal to the counter offer the mortgage company had demanded. My sales agent was shocked when I sent her a copy of the denial letter because it had the mortgage agent signature on it, not some other department. After many calls and emails the agent and her supervisor have not responded. All calls are suposed to be recorded, and we have documentation of all emails sent and received.
On XXXX I tried both by internet and phone to contact this company to freeze both my credit and my husband 's credit. I could not get through and ended up mailing the information required to freeze each of our credit reports by Priority Mail. I also sent two checks to pay for the service for each of us. The mail was certified delivered and I have n't yet heard a word from anyone
XX/XX/XXXX, I was sued by Midland Funding LLC ( " MCM '' ), a subsidiary of Encore Capital, for the unpaid XXXX XXXX, debt which was jointly incurred by my former husband and I but was in my name. Before MCM filed a lawsuit, I attempted to settle the matter with them explaining that I was going through difficult divorce, financial hardship and health issues. MCM did not care about any of this and filed a lawsuit anyway. After XXXX hearings, I felt MCM took advantage of me since I could not afford an attorney and I was XXXX XXXX at that time. MCM literally got me to accept their full terms and give them a first payment before I even had a chance to review their proposed paper work. I also learned recently that MCM took my first payment before it even prepared my settlement agreement and filed a conditional settlement notice with the Court. Additionally, MCM failed to comply with California Rule of Court 3.1385 by failing to immediately alert the Court regarding the settlement. 
XX/XX/XXXX, my consultant XXXX XXXX XXXX and I reached a final agreement with MCM to settle the outstanding balance. We indicated, both verbally and via email, that our intention was to make an immediate payment in exchange for a prompt dismissal of the pending litigation. MCM attorney XXXX XXXX XXXX agreed to these terms in her XXXX XXXX, XXXX, settlement offer letter and the following correspondence. 
After XXXX XXXX contacted XXXX XXXX ' office 45 days after the settlement pursuant to California Rule of Court 3.1385, she stated to him that the dismissal was filed and she was waiting on the Court to dismiss the case. XXXX XXXX followed up with XXXX XXXX few days later and her answer was still the same. At that time, we contacted the Court directly and learned that no dismissal paper work was filed. XXXX XXXX lied to us and her untruthfulness was later confirmed by her attempting to backdate the dismissal a copy of which we have on our file. 
As a part of MCM 's and XXXX XXXX ' untruthfulness, their negligent actions and their failure to comply with California Rules Of Court 3.1385 to timely dismiss the Court case, XXXX XXXX and I had to expend additional time and resources to work on the settlement reimbursement with my former spouse. When we brought the late filing issue to the attention of MCM and XXXX XXXX, she threatened to go after me for the balance discharged as a part of the settlement. 
In good faith, I had made timely payments to comply with the settlement terms and yet, once MCM received my final payment, it reneged on the terms of its own settlement letter. Furthermore, MCM failed to comply with California Rules Of Court and later attempted to cover up its negligent actions. I truly hope that your office conducts its own objective investigation in this matter to prevent MCM from harming consumers who, in good faith, comply with their settlements with MCM while MCM feels entitled to renege causing consumers to incur additional expenses.
I just received an alert showing a hard inquiry from Capital One that I do not recognize or have authorise. Please correct. 

Creditor Name : Capital One Inquiry Date : XX/XX/2018 Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. Failure to positively verify these accounts will eventually hurt my ability to obtain credit as such I am now formally asking that inquiry be removed immediately. 

Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
A letter dated XXXX XXXX, 2016, from Nationstar Mortgage stating that ( XXXX ) I 'm currently behind on my payments which put my mortgage at risk. ( 2 ) It 's important that you contact Nationstar immediately before the foreclosure review process is initiated, which could lead to loss of the property. If you are interested in an option that would allow you to leave the property and avoid foreclosure, the Mortgage Release Program below can provide a graceful exit.
Seterus Inc. Is the servicer of my mortgage. I was late one payment but i caught up. They are trying to say i owe 2 months and late fees and im behind 3 minths on my mortgage. I called and spoke with a representative by the name of XXXX who said it was an error and i would get a corrected statement. Never recieved it. They sent loan modification papers via fedex why. Im not behind. Called again spoke to XXXX XXXX stated that sorry was an error would get a stated showing corrected amount by XX/XX/XXXX. Never happened asked to speak with a supervisor was never given the opportunity but said supervisor XXXX XXXX would contact me never happen. But i recieved an intent to forclose on XX/XX/XXXX. Why my payments are up to date. Please help!!!!!!!!!!!!
Dear Receivable Mgmt Group After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2017. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
A third party company called me and lied. A representative named XXXX XXXX from FirstFedloan.org, or Equitable Acceptance, said that he was from the Department of Education, and that he was going to help me resolve my student loan debt. 

He is NOT from the Department of Education, and instead of directing me to them, he posed as them and collected money from me. He is still collecting money from me. 

When I called to the Department of Education, they informed me that I was scammed. They said that this third party did not use my e-mail to create an account, but used an e-mail ending in " XXXX. '' This e-mail does not even exist. This fake e-mail was to prevent me from receiving communication to let me know the scam that was being done to me. 

XXXX XXXX posed as me, stole my identity, collected my social, and proceeded to create a Federal Student Loan ID and XXXX XXXX ID without my permission. 

He also set up a direct deposit with my bank to his company. 

When I called to Equitable Acceptance to complain, they said XXXX XXXX got promoted and could not speak to me. 

They also used the analogy that they are like a dentist - - they know the customers need dental work, but can not do it themselves, so they do the work for customers. 

This is a complete lie. The Department of Education has people and processes in place to do this line of work. 

XXXX XXXX, Equitable Acceptance, firstfedloan.org, are criminally and unecessarlity taking money from people and creating accounts with personal information in order to fatten their wallets. 

Please - - they need to be stopped.
XXXX has again tried to pull an illegal move again by throwing a very old debt on my credit report. Whats Illegal about it well lets take a look 1. In Texas we have a Statue Limitation Law of 4 years on Debts, which means apparently when this debt was created back in XX/XX/XXXX-XX/XX/XXXX its should be illegel for these people to call my phone or try to collect on a debt that is past the Debt Laws in Texas. 

2. I have talked to XXXX and the time they claimed I had service with them, I have told them I did not I had service with XXXX XXXX at the time apparently after my request not to years ago they left my service on with me not even having any of their equipment in my home. 

Now I will be sending an email to the CEO of XXXX/XXXX contesting this debt that I feel is not owed.
I have repeatedly reported to all three credit bureaus that I have no knowledge of an account with XXXX XXXX XXXX All three bureaus keep coming back saying the account is accurate and verified but they dont send me any information showing how or what was used to verify the information or any information validating the validity of this account and that its owed my me or that its even my account. I dont know who XXXX XXXX XXXX is Ive never heard of them, have no knowledge of owing them. And nothing has been produced to show why this negative account should be reporting on my credit bureau reports
I am an XXXX XXXX and get paid via PayPal the vast majority of the time. Today, XX/XX/2018, I noticed that an invoice was paid, so I decided to move the money ( {$73.00} ) from my PayPal account to my XXXX XXXX XXXX checking account. During this process, I noticed that the usual fee of {$0.00} was now 1 % of the amount being transferred, not to exceed {$10.00}. I called PayPal and spoke to XXXX. She said I was notified in XXXX about the increased fee. I asked her where I was notified, and she stated that there was an internal notification system and to check my message center. There was no notification sent to me, so XXXX said she would report the error as a complaint. But otherwise, there wasn't much she could do.
On XX/XX/2018 I gave {$2000.00} in cash to a Western Union agent in a XXXX XXXX XXXX   XXXX  in XXXX XXXX South Carolina. The money was to be transferred to a friend in XXXX XXXX. I was told by Western Union that the money was transferred and available for pickup by the recipient. 

On XX/XX/XXXX the recipient informed me the money was not available. He had the WU tracking number but the agent in XXXX XXXX informed him the money was not transferred. I called Western Union and they said they had a few questions for me before they would sent the money despite telling me on the XXXX the money had transferred. I explained that the money was for a friend whom I know well and have sent money to previously. The Western Union agent then told me Western Union would not allow the transfer as it sounded like a " scam '' to them. The agent on the phone told me I could collect my money at the XXXX XXXX where I made the initial payment on XX/XX/XXXX. The Western Union at XXXX XXXX told me they could not return my money as store policy limits them to {$1000.00} refunds. I called WU again on the same day and they advised me to try another local agent. I went to a XXXX XXXX where they have WU agents and was told the same thing. " We don't do refunds over {$1000.00}. '' Still XX/XX/XXXX, Western Union advised me on the phone to try other agents in and around XXXX XXXX. I went to a XXXX XXXX  in XXXX XXXX which was supposed to be another Western Union agent. XXXX XXXX  told me their WU system was down and they did not know when it would be " up '' again. I called a fourth agent, in a check cashing establishment, and they said " they don't have that much cash on hand. '' XX/XX/XXXX I called Western Union again and spoke to a man who identified himself as XXXX, agent XXXX. XXXX assigned a case number to my issue and further explained that I would receive a refund in the mail by XX/XX/XXXX. XXXX told me to call him back if I had any further problems. 

On XX/XX/XXXX I called Western Union to check on the status of the check. Their agent could not help me and he ( XXXX ) suggested I try to retrieve my refund in person. He was not able to transfer me to XXXX. 

On XX/XX/XXXX I spoke to an agent named XXXX who said they had no way of tracking the check but he would send an email to the department responsible for refunds/checks, copy me, and ascertain the status of the check. I never heard from Western Union one way or the other. 

XX/XX/XXXX I called WU yet again to see if any could assist me as I have not yet received the check. I spoke to two agents. The second one told me the check was sent on XX/XX/2018. Although it's more than two weeks I haven't received my refund. The agent assured me he would send an email to the appropriate department and copy me. As of this date, XX/XX/2018, I have not received an email nor a refund from Western Union.