WillisBack/dataset-financial-user-claim huggingface dataset:
I am disputing a collection account owned by World Acceptance Corporation ( listed as Midwestern Financial ) being reported on my credit report. I have made several attempts to obtain VALIDATION of this debt, but I believe World Acceptance Corp is being deliberately obstructive because they do not have this validation. They claim I did not provide them with enough info, which is not true as my attached evidence shows. 

XXXX : My XXXX letter was signed for XXXX : WAC claimed my letter was not sufficient for dispute under FCRA ; they also sent settlement offer letter on XXXX/2017 XXXX : WAC received my XXXX letter XXXX : WAC claimed they already addressed my issue and would not respond to future correspondence ; I then received a XXXX settlement offer letter on XXXX/2017 XXXX : WAC received my XXXX letter with plenty of detail again explaining my request. As of today, XXXX WAC has not responded.
The date for one of the charges will be XX/XX/2017 the company name is PDQ. The amount is XXXX dollars. I wasnt aware that I owed for an apartment that the management time had the keys to and I no longer was in possession of this property never had a physical lease with this rental lady either, but she was able to still place this on my credit. To top that off she leased another apartment to me in the same complex.
I bought a TV from Best Buy in XXXX of 2013. I spent about {$2000.00} on it and charged it to my Best Buy Credit Card under a 3 year no-interest promo. I set up automatic payments for {$60.00}. XXXX so I figured that it would be payed off in plenty of time. Originally the credit card was a best buy credit card with XXXX but a few months after i set this up, they switched over to XXXX XXXX. I had to set up my auto pay all over again when this happened because i missed a few months of payments thinking that they were auto charging. I caught up with my payments again until they switched once again to another company- Citibank XXXX I had to catch up on my payments again and set up auto pay again. My payments continued to come out every month until XXXX of XXXX when there was another issue with my automatic payments. I set those up again and by XXXX My balance was only about {$110.00}. I was going to just call and pay it off but I did n't because I figured that the automatic payments would take care of it. I even called them and confirmed that they were set up so that I could make sure that it would be payed off. They reassured me that I was on track so I just allowed the automatic payments to come off. I checked a few months after this because I noticed that they were still taking the automatic payments off from XXXX. I checked my account only to find that there was a {$1200.00} interest charge applied to my account. What happened was that I bought something on my Best Buy card between when I last talked to them and XXXX. They applied my automatic payment to the new purchase that I made, defaulting my original balance to go over the 36 month interest free period. This is the most fraudulent, dishonest thing I have ever experienced from a credit card company or any company for that matter. I have talked to them multiple times and they will not budge. I am going to file a small claims suit against them this week and I would like to also file a complaint with this bureau. Thank you for your time! 

XXXX XXXX
These are Parent Plus loans ( 4 of them ) that started in XX/XX/XXXX with a consolidation loan for {$44000.00} a XX/XX/XXXX for {$13000.00}, a XX/XX/XXXX for {$6600.00} and a XX/XX/XXXX for {$6600.00}. 

The calculation of interest payments via various " forced forberance option ''. ( It is forced because Navient did not give any other option ) In my case my son studied a XXXX XXXX degree in Puerto Rico and attended college all the way to be a XXXX candidate at XXXX, from XX/XX/XXXX till now. Evidence for attendance to schools was always provided to Navient. 

NAVIENT claims that the 4 parent loans have accumulated interest and that the loans are now {$120000.00} + This is not right.
I signed up for a {$XXXX} credit report and free trial for credit monitoring services from Transunion on XX/XX/XXXX and then cancelled the service the day after so that I wouldn't be charged for their services on a monthly basis. I have an email verifying that I cancelled the service on XX/XX/XXXX. At the bottom of the email it says " You may REACTIVATE anytime by simply logging in. '' I was receiving free credit monitoring services at this time from another company due to a security breach when I worked for the XXXX. I confused the different services and mistakenly logged back into my Transunion account at some point in the weeks that followed. Upon me logging in, Transunion automatically signed me back up for monthly services without my knowledge. They provided no notification that they had enrolled me and had began charging me on a monthly basis. They began sending me monthly " credit update '' emails, but none of these indicated a monthly charge was taking place. I was still under the assumption that these emails were related to my other free credit monitoring service. The first monthly charge occurred in XX/XX/XXXX and continued until I realized what was taking place in XX/XX/XXXX. 15 monthly charges of {$XXXX} had taken place, totaling over {$XXXX}, that I never knowingly authorized. I called Transunion and explained that I never agreed to these charges and had not been using the service, but they refused to refund any charges. I consider this way of business to be extremely dishonest and unethical. I don't think it should be legal for a company to operate in this way. A customer should be notified if he or she is being charged for a service and EXPLICIT consumer consent should be obtained prior to any monthly service initiating.
I reported fraudulent charges from XXXX on my Capital One XXXX on about XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a letter signed by " XXXX '' stating he had found " no indication of fraud. '' The same day, I called Capital One to attempt to speak with him, and was greeted by someone who would only identify himself as " XXXX '' agent ID XXXX. I asked to be transferred to " XXXX XXXX, '' and " XXXX '' told me he was unable. I asked to speak to a manager, and he refused, assuring me he was a manager. I reworded my request to ask to speak to his supervisor. He asked why, and I reminded him it was because I wished to speak to " XXXX XXXX '' He again asked why and I asked if he already forgot my reason, and if he was refusing to transfer me to his supervisor. He told me that I have to act professionally or he was going to hang up on me. He finally egregiously refused to connect me to his supervisor.
I have been charged overdraft or returned item fess when the balance is low, even though money comes in the next business day, often before the check or transaction clears. 

XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00}
I have called to get the inquiries that are not mine removed. I also sent certified letters in XX/XX/XXXX and have not received a response within the 30 day period. Equifax will not remove these unauthorized inquires and keep sending very general information on my request. I need these inquiries removed as they are hindering me from receiving credit for things I actually want to apply for. 
XXXX XXXX & XXXX XXXX, XXXX XXXX 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN 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, 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 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, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IN 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, 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 XXXX XXXX XXXX, XXXX XXXX XXXX
I have been separated from XXXX XXXX XXXX XXXX since the beginning of XX/XX/XXXX living with my grand farther in XXXX XXXX XXXX and never gave anyone permission to sign my name and to commit fraud on my credit. She has signed my name and gave my social security no. to approximately XXXX credit card agencies maxing them out due to looking at my credit report. I have never went back to XXXX XXXX since I left in the beginning of XX/XX/XXXX. 
Below are XXXX she committed fraud and signed my name ( copied from credit report ). 
Please help me clear up all these credit cards she has committed fraud by using my social security and signing my name and do what you can to prosecute her to the fullest extent of the law.. 
Also she is on probation which should make fraud immediate. Below is her probation office number and name. 
XXXX XXXX XXXX : Probation office number, Name : XXXX XXXX or XXXX. 



MABT/CONTFIN # XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Date Opened:XX/XX/XXXX Balance : $ XXXX # XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Opened:XX/XX/XXXXResponsibility : Individual AccountAccount Type : Revolving AccountLoan Type : CHARGE ACCOUNTBalance : $ XXXX Updated:XX/XX/XXXXPayment Received : $ XXXX Balance : $ XXXX Limit : $ XXXX Status : Current ; Paid or Paying as Agreed
They keep calling me anywhere from XXXX 6 times a day. I have written Portfolio Recovery twice via XXXX XXXX mail to please stop, yet they continue. I have also requested that the only communication I will have with them is via XXXX XXXX mail only.
Since XX/XX/XXXX, I have been requesting from Equifax to provide me with written proof of the incorrect information it provided to XXXX when I applied for a credit card. The only response I have received from Equifax has been completely ambiguous and no proof has been yet submitted. The response I received on XX/XX/XXXX, makes no sense at all. It actually does not addressed my request to provide me with the names and accounts of the credit unions past due and too high. I also want to know how Equifax arrived to the determination that my credit score was XXXX. By law, I am entitled to have this information provided to me. Please see attached correspondence I forwarded to Equifax. I also sought assistance from this organization as well, but the issue was never resolved.
My son received an UN solicited debit card in the mail today ( XX/XX/2018 ) from Netspend. 
( issued by XXXX ). The fine print says that that he received the card/ " We received your name and address because you indicated interest in receiving offers similar to this one. '' My son did not/ has not done so.The additional fine print says " To decline this card offer and/or opt out of future mail offers from us, call XXXX, e-mail consumer XXXX, or write to : XXXX, TX XXXX. Please allow 30 days for processing of your request. '' Please advise as to my son 's recourse in this matter. 
I want to decline/ ignore this UNsolicited " offer '' but we do NOT wish to " play their game '' of having these scammers continue to bother us. 
Thank- you for your prompt attention and action on this matter. 
Sincerely : XXXX ( fatherXXXX XXXX XXXX XXXX
Multiple time we have faxed the Authorization to Release Loan Information, Listing Agreement and the Offer multiple times to no avail to M & T Bank, at the time, date and fax numbers below. I have proof that the faxes we successfully transmitted. One successful email was sent as well. 
Here 's the date, time and fax number or email : XX/XX/XXXX at XXXX mst at XXXX XXXX at XXXX mst at XXXX ( successful transmission return email ) One must wait 3 days to call back to verify to they received it, which is wasted time because they said they did not receive it. 
Called back in to find out they have no record of such and re-faxed at the below fax number. 
XX/XX/XXXX at XXXX mst at XXXX XXXX at XXXX mst at XXXX ( Delivered/Confirmed via XXXX ) You have to wait 3 days to call back to find out if the fax/email were uploaded into their system. 
XX/XX/XXXX at XXXX mst at XXXXXXXXXXXX ( Delivered/Confirmed via XXXX ) XX/XX/XXXX at XXXX mst at XXXX ( Delivered/Confirmed via XXXX ) My assistant also faxed multiple times, but she is out of town and could not supply that information to me at this time. 
Here 's the challenge - because we needed to get the Authorization, Listing and Offer in within 37 days of the foreclosure sales date to M & T Bank, which we could have done had they acknowledged receiving the faxes and email. The XX/XX/XXXX foreclosure sale would have been postponed giving us time to get whatever else that may have been required. We are now a week away from the sale on XX/XX/XXXX.
I have a mortgage with The Money Source. My escrow balance went up dramatically. I was told that they made a mistake in figuring my taxes, however, they refuse to adjust my payment to the correct level. I believe they are misapropriating these funds
Republic Finance has reported delinquent 30-60 days on my XXXX credit reports. The have done so prematurely as my payment is not due until the XXXX of each month. They reported me delinquent on XXXX/XXXX/2016 for the month of XXXX but the payment for XXXX has not even come due. In addition they are refusing payment for my loan and sent me a notice explaining to me that they are refusing payment.
Equifax report shows XXXX line of credit account as open, this was closed last year.
I opened a claim in XXXX, XXXX against Wells Fargo Home Mortgage. I am currently awaiting a response, confirmation, and a refund/credit of a large sum of money owed to me. The last communication from Wells Fargo in mid XXXX stated that they expected to have a resolution by XXXX XXXX. To date, I have not received any email, phone call or message, or letter with any resolution to my claim. Communication has gone cold. 

My primary mortgage was sold from Wells Fargo to XXXX. The original HELOC, now a 2nd mortgage, was not sold, remains with Wells Fargo, & the balance due is inaccurate. There is an ongoing dispute and supposedly an active investigation into a {$20000.00}  payment that I paid by cashier 's check to XXXX XXXX before XXXX XXXX was sold to XXXX, then acquired by Wells Fargo. I provided evidence of the payment & Wells Fargo has been unwilling to credit my account or pay me back the unapplied funds. Instead, they issued a sale date based on {$6000.00} that appears unpaid due to this dispute. Wells Fargo has failed to identify where they applied the funds ; however, they were never applied to my HELOC or 2nd mortgage account. They have also been unwilling to enact any sort of resolution. They have been unwilling to accept payments for the past year. They will not consider a new modification. The amount of money Wells Fargo owes me far exceeds the amount of money I owe them. Account # # XXXX
On  XX/XX/XXXX I mistakenly made a duplicate payment online to Navient. I called Navient the next day to request a refund of the duplicate payment in the amount of {$250.00}. The customer service rep informed me that it would take five to 10 business days to receive my refund. When I had n't received the refund by day eleven, I called Navient again. This time the customer service person told me that it usually takes 12 to 14 business days to receive a refund. I waited and when I still had not received my refund by day 15, I called Navient a third time. This time the customer service person said that it usually takes 30 to 60 days. I told her that I had received two different responses when I called previously and that there is no way that it should take that long. She put me on hold to speak with her supervisor and then told me that they would have to issue my refund in the form of a check. I then asked to speak with a manager because I felt like I would never receive that check and my refund should have already been processed. She put me on hold once again to speak with her supervisor and then told me that my refund would be sent directly to my bank account and I should receive it within 5 to 7 days. I gave her my account information and she gave me confirmation #  XXXX . I requested a refund on  XX/XX/XXXX  and it is now  XX/XX/XXXX .
On XXXX/XXXX/XXXX I mailed my mortage payment to Ditech in the amount of {$2300.00}. I mailed ( 5 ) money orders to the following address Ditech Customer Service XXXX, SD XXXX. According to the US Post office their money was received on XXXX/XXXX/XXXX. All of the XXXX XXXX money orders were cashed in full on XXXX/XXXX/XXXX. However Ditech only applied a total of {$500.00} to my mortgage statement ( 1 ) money order. The total of {$1800.00} was cashed by Ditech but never applied to my mortgage statement. This constitute FRAUD that Ditech is a fraudulent and unethical mortgage servicer. The money order that are missing XXXX XXXX # XXXX {$500.00}, # XXXX {$500.00} # XXXX {$500.00} # XXXX {$500.00} # XXXX {$320.00} I am trying to be patient however I am fearful Ditech will put me into foreclosure because of their billing error. They cashed all ( 5 ) XXXX XXXX money orders on XXXX. I need them to apply the full amount to my statement, A total of {$1800.00} has not been allied only {$500.00}
Equifax required that I purchase their service package of {$17.00} a month before they would help me with any request I had. They charged me for obtaining info about my own account!
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX please remove any other variation of my name. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
XXXX XXXX is where my social security checks go into an account. If I over draw ( which is only because they charge me a fee and daily fee ) my account, they know that no money comes into my account only by SSI so my money is gone and they constantly charge me a fee of {$39.00} per Overdraft and a {$6.00} fee per day till my SSI comes in. Once it does, XXXX XXXX takes out their money and leaves me with no funds because I owe them so much. To leave this account, Social Security needs at least 1 to 2 months to change my account to another account. I can not have my bank taking all of my money and I want it refunded asap. I have contacted them XX/XX/2018 so they have not contacted me yet
I received documentation from XXXX XXXX XXXX/XXXX on XX/XX/XXXX that documentation had been submitted to the bureaus to have all derogatory late payments removed as I am a military member and am protected by SCRA. I received an alert from XXXX on XX/XX/XXXXthat the accounts have been updated to 120 days past due. I called and spoke with a customer service representative from XXXX on XX/XX/XXXX and was informed that my account status is showing current.
I had fraudulent charges on my credit card in 2013 and could n't resolve the issue with Capital One. Capital One sent the invalid amount to debt collections and had XXXX XXXX XXXX XXXX. file a lawsuit against me, after I had disputed the debt and had not received any communication back regarding the dispute. They had XXXX XXXX XXXX XXXX. file suit in the wrong Justice of the Peace Precinct for me. I was never informed anything, never served for the lawsuit and only found out about it via a advertisement from a local attorney who was advertising to defend me in the lawsuit. I hired attorney XXXX XXXX to handle the case for me and had the case moved to the correct Justice of the Peace venue for me and had the case dismissed with predjudice. After which Capital One continued/continues to report this negative information on my credit violating the FCRA, and had XXXX XXXX XXXX XXXX. file another lawsuit in yet again another incorrect Justice of the Peace for me, which I found out again by another advertisement from an attorney offering to defend me. I then engaged XXXX XXXX to file suit against XXXX XXXX XXXX and Capital One for multiple and wilful violations of my consumer and civil rights. XXXX XXXX got the 2nd suit agaist me dismissed, but after which I lost all contact with him and he never proceeded with my case agaisnt Capital One and XXXX XXXX XXXX. I left the matter alone as I thought it was all resolved and the derogatory claims on my credit had been removed. But i 've recently tried to get credit and found that this is still be reporting in violation of the FCRA on my credit by Capital One.
My account has been locked on coinbase.com early XX/XX/XXXX/late XX/XX/XXXX and I submitted a support ticket early XX/XX/XXXX to find out why and to get it unrestricted. Someone replied to my case around that time saying they would look into it, but now it's been nearly two months without any updates.
I HAD A LOAN MODIFICATION XX/XX/XXXX AND AT THAT TIME MY BALANCE WAS {$91000.00}. AFTER THE MODIFICATION MY BALANCE WAS {$95000.00}.

I THEN HAD TO GET ANOTHER MODIFICATION IN XX/XX/XXXX. AT THAT TIME MY BALANCE WAS {$96000.00}. AFTER THE MOD MY BAL WAS {$100000.00}.

I CAN NOT SEEM TO GET A EXPLANATION AS TO HOW MY BAL INCREASED FROM XX/XX/XXXX AFTER THE FIRST MOD TO XX/XX/XXXX B4 THE SECOND MODIFICATION. THIS REALLY DOES NOT MAKE ANY SENSE TO ME. IN 6 YEARS I PAID MY MORTGAGE THERE WAS ON A TIME IN XX/XX/XXXX THAT I FELL BEHIND BUT I STILL MADE PAYMENTS. OTHER THAN LATE FEES AND INSPECTION FEES WHICH SHOULD NOT HAVE CAUSED A INCREASE IN THE BALANCE TO THAT EXTREME I DONT UNDERSTAND WHAT HAPPENED.

I HAVE TRIED TO OBTAIN A PAY HISTORY AND AMORTIZATION SCHEDULE. I HAVE TRIED TO GET CUSTOMER SERVICE TO GO OVER IT.

I REALLY FEEL AS THOUGH I HAVE BEEN ASSESSED SOME LARGE AMT OF FEES BUT I CAN NOT CONFIRM WHAT IS CAUSING MY BALANCE TO BE SO HIGH THIS LOAN STARTED IN XX/XX/XXXX WITH A BALANCE OF {$98000.00}.

PLEASE HELP ME.
This company, which I hold no contract with nor have received services from, reported a collection account found on my credit reports from XXXX XXXX XXXX for the amount of $ XXXX. I've contacted the debt agency on XX/XX/XXXX, for more information regarding this debt and was repeatedly transferred to a representative 's voicemail ; in which absolutely none of my voicemail messages were returned. This debt was fraudulently placed on my report without my consent. I've requested verification of said debt account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services, nor have they provided adequate proof I am not obligated to pay for this alleged debt. Under section 611 ( a ) ( 5 ) ( A ) ( i ) states that all 3 credit reporting agencies must have the original signed paperwork in their physical possession before they can report it on said credit file. Nothing was furnished to me.
Mr Cooper letter dated XX/XX/XXXX says does not do balance reduction but letter before was transferred to Mr Cooper from XXXX XXXX XXXX DATED XX/XX/XXXX STATES OTHER WISE honor what was offered! Will post on social media until done!