WillisBack/dataset-financial-user-claim huggingface dataset:
I have filed numerous complaints with every available agency requesting that XXXX/Google investigate the fraudulent transactions and wallet account that was made without my knowledge or consent. I am now providing what I have asked Google to provide for the last three years. There is no way Google does not have the information I will be attaching. They have deleted XXXX from the account an now state its on someone else 's account, that was able to take all of my unemployment benefits with no password required as google stated in a prior response. Google also stated that all monies were refunded did they then refund to the account that was tied to mine? I did not receive that money, I would like to see proof that its my account, since all merchants stated I made no purchases. The attached documents are proof this was not my doing. Not including all of the conflicting information that has been on every other complaint. Not one charge am I able to verify or know who made. I am a identity theft victim. The person on the attached documents lives less than a hour away from me and knows were I am at all times due to XXXX XXXX and being linked to the account. Google will not protect me and has not protected my info as it states they do.
On  XXXX  without my knowledge or permission my son 's lawyer 's sister who owns a   XXXX   XXXX   XXXX   got a first cash out refinance for $  XXXX .   On  XXXX  without my knowledge or permission my son 's lawyer 's sister got a second cash out refinance for $  XXXX .   On  XXXX  without my knowledge or permission my son 's lawyer 's sister got a cash out refinance for $  XXXX .   The lawyer opened up a new checking account under my name at my bank and put all the cash out money through this account. The lawyer then wrote checks to himself for a total of {$600000.00} and filed my personal bankruptcy without telling me. When I told the the Bankruptcy Trustee I signed none of the papers and did not prepare the bankruptcy papers nor had knowledge of the contents and that I did not know why I was here the Trustee allowed the lawyer too keep the $  XXXX  earned upon receipt and my home went to foreclosure sale. The bank fraud dept. confirmed fraud and that I neither applied for the loan, could never pay any of the monthly payments and did not apply for it and did not get any of the cash outs they nevertheless foreclosed on me and made me homeless since   XXXX  . I can only write and speak  XXXX  and was out of the country when these loan papers were signed by someone. My husband was   XXXX   XXXX   XXXX   when these loan papers were signed in  XXXX   XXXX , CA. I hired  2 lo an modification lawyers that took {$98000.00} cash up front and my new  XXXX  car for collateral and immediately sold my car. They were both disbarred and I never hired these lawyers to do any work for me other than a Livin g Will T  rust w here they got my personal information to prepare a loan application. I am  XXXX   XXXX   XXXX  and do not know what to do.
I sent my mortgage company a certified check for {$11000.00} on XXXX/XXXX/XXXX. I talked to my account rep on XXXX/XXXX/XXXX and told her I would be mailing my total due within a week. I did do as I said. I have been calling my mortgage company to see if received and left several messages and finally today was able to talk to someone. They said the check was probably sent back to me because additional monies are owed. They said foreclosure paperwork is in the process. I have never received any paperwork in the mail for a foreclosure. Now they told me that a letter dated XXXX & XXXX/XXXX/XXXX has been processed which I have n't received yet. It looks as though my call on XXXX/XXXX/XXXX might have prompted them to start proceedings. I do n't know what to do at this point. I have been out of work with no income coming in. I filed for social security XXXX/XXXX/XXXX and it took social security this long but sent me a back payments. This is why I was so much in default. My account rep told me to send the money because it did n't look like foreclosure paperwork had been started.
In XX/XX/2017 I filed a dispute for idenity theft and included a police report and an identity theft report required by credit reporting agency XXXX. The list of disputed accounts on id theft report were deleted..The problem is that XXXX  additionally deleted all other accounts within my reports that were positive accounts and that were NOT INCLUDED ON MY IDENTITY THEFT REPORT. tHIS ACTION LEFT MY ENTIRE CREDIT REPORT COMPLETELY EMPTY WITH NO TRACE OF ANY CREDIT REPORTING WHATSOEVER. My report was left unable to even generate a credit score at all. 
XXXX additionally communicated to XXXX and Equifax  information regarding the wrongfully deleted positive accounts causing both of these agencies to also Delete accounts thst were not reported as Fraudulent accounts and this caused my other two reports to become completely erased and unable to to generate credit scores. I was left with no agency having any trace of any account to report at all. I had a XXXX credit score across the board and to lenders it appeared as if no credit had ever existed. Additionally the accounts were also prevented from re-reporting the information back onto my reports and I have been unable to get XXXX to replace the deleted accounts or remove blocks from my positive credit accounts so that the bank could reenter the information that should have never been deleted. Please force XXXX to go back to when this action took place and put the accounts that were not included in my identity theft reports back on my record and correct this issue. This is necessary as these accunts were damaged and deleted directly as a result of XXXX and they are responsible to fix what they have caused without the need of financial institutions being forced to re-enter old information that they are unable to do since theyre attempts to do this already were unsuccessful for the reasons that XXXX has further blocked the re-entry of the accounts.
I became suddenly ill in 2013 and had to go on long term XXXX. My salary was cut in half but I managed to pay my mortgage on time every month until the long term XXXX just stopped paying me. I had to appeal the XXXX while also waiting for an answer from Social Security. At this point I became two months behind. I was honest enough to call Nationstar right away and tell them what was happening to me. I was eventually turned over to a FORECLOSURE PREVENTION SPECIALIST. How ironic is that title. I won my long term XXXX appeal and have also been approved for social security so I have been able to make XXXX payments, but I am still XXXX behind. I filled out a application to modify my loan on the basis of medical hardship. It was denied pretty quickly. Explanation was I did not qualify ... ..that 's all the " specialist '' could tell me. She did say I could fold in the XXXX late payments to my already {$940.00} a month payment and add extra to it. So I qualify to make extra payments on half of my salary but I do n't qualify to lower my payment. These are crooked people, they do not take your hardship and decrease in salary into account. The problem for me is I am under water, I can not sell my home for what I owe on it, and the payment is too high for my decrease in salary. I need help. But when it comes down to being XXXX, I do not qualify. I have owned my home for nine yrs. They are unwilling to budge because frankly they are making a killing off my payments. I want to add that I asked my " specialist '' if they would consider waiving the penalties and interest and remove the credit ding that this has caused, and that was a also a big NOPE. If I had deliberately caused these things to happen, I would understand. I think this is discrimination.
I am contacted the CFB regarding Midland Credit Management, FTC file # XXXX. Company was sent 3 dispute letters by me. MCM never provided a debt validation or any acknowledgment of it. Instead, they knowingly lied to the FTC and stated that they provided me a debt validation twice, one on XX/XX/XXXX& another again on XX/XX/XXXX. Both statements provided by MCM were false. I am filing another FTC complaint against company for falsely stating they provided me with enough proof of the debt ( ex : debt validation ) when they did not. Company has mocked the power level and senses of the FTC by failing to do what is required of them by law : provide a debt validation within 5 days of receipt of my dispute letter. However, they sent nothing but a bill and advised me in writing that I owe the debt-NO Validation provided. The company in their response on XX/XX/XXXX complaint # XXXX, stated that prior to receiving notice from CFPB, they never received a response from me, however they signed and received my dispute letter sent certified mail thru usps tracking # 's XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. I am re-filing a complaint against company for stating they provided me on 2 instance with a debt validation when company did not provide me with anything besides a settlement letter that was a bill, a general statement letter from XXXX XXXX, and a verbal written notice from XXXX XXXX-Division Manger, stating I owe the debt, with a charge-off letter attached. NO DEBT Validation. Company 's like MCM who fail to comply with the FDCPA when contacted with disputes, to then classify written letters and billing statements as debt validations should be shut down! I did not obtain an account from XXXX XXXX XXXX/XXXX XXXX! I have been asking for a proper debt validation that company has failed to provide. Instead, MCM lied to CFPB and stated they provided it! Wrong & FALSE INFORMATION!
I have filed multiple disputes with ALL  XXXX  agencies attempting to have claims that are entered  two  and three times and  may  vary by a couple of dollars removed. There is a total of  XXXX  claims on my report of those 50 % or more are duplicated or entered  XXXX  or more times. The  one  claim that is a real problem for me is a claim of  XXXX  which was not my medical bill. When I disputed the claim I was told that it was a joint account. I was not the person in the hospital, I did not get any services from the hospital and I do not expect to be harassed, black marked for something I had no control over, additionally that account was paid  XXXX  upfront and that money was never deducted from the claim which was a workers comp claim to begin with as well as private insurance through  XXXX . Why I got the honors of it being reported on my credit was I married the wrong guy. The Reporting Agencies have an obligation to prevent this type of action but they perpetuate it and once the domino has fallen the other  two  just fall right on down too. I have been damaged, harmed, denied, crippled because of this and it has become exhausting to fight or dispute the errors because it sets off another wave of reporting negative claims from the third party creditor, collector. I even went to the source of the original debt, they wrote the charge off but later recanted that write off almost 2 years after the fact. I also told them that I was having trouble with the collector agent but they said " He does whatever he wants to do ''. They were n't entirely wrong about that he does do whatever he wants to do even if it meant breaking out his fees from their bill and collecting on them both as separate judgement and written off debt. How is a girl suppose to get out from under that heap of -- -- -- -- -- -? I also went as far as the  AG  's office but they are compromised because they collect debt from the original institution which is a hospital.  XXXX   XXXX  is drowning myself and my spouse but the majority of this debt is doubled, tripled or ad a financial arrangement that should have cleared the debt. Help, Please.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
XXXX XXXX is reporting a collection account for a medical bill that was in dispute with original creditor and they were made aware that it was in dispute. I was injured in a car accident and the other party was responsible. I have an attorney and my attorney notified them that there were legal proceedings pending and they were to wait for instructions before proceeding. They ignored our dispute and reported this as a collection. I was in the accident XX/XX/XXXX and they are reporting it as being XX/XX/XXXX so they are also re-aging the account and providing incorrect, misleading and deceptive information to the credit bureaus despite our repeated communication to them that we are in dispute with the original creditor and that we did not agree with their validation of the debt.
I called Americollect in XXXX and asked how much I owed to pay off accounts in full. They offered me a settlement amount of {$790.00}. The original balance was {$990.00} XXXX but the they have consistently quoted me different balance amounts each time I called XXXX. The XXXX XXXX XXXX XXXX sent a check in for the amount of the settlement of {$790.00} on XXXX XXXX, 2015. That check was cashed by Americollect on XXXX XXXX or XXXX. I requested a receipt be mailed to me to show I had paid all debts. I was told I would receive it within 3 weeks and I did n't receive anything. Then I called on XXXX XXXX and spoke to XXXX, and XXXX on XXXX XXXX. On the XXXX XXXX confirmed that they payoff was received and I would receive a payoff letter in a week. I did not receive that. When I called back today, XXXX, I was told by XXXX that I still owed {$900.00} and they have no record of the settlement deal.
Company left a message they wanted to schedule a courier to come to my house to deliver legal documents, and I needed to be here to show id, claimed they have made other attempts to come, we have not had anyone come here and there is always someone home at my household. I called back and they asked for my social security number, claiming they had to verify who I was. I refused to give out that information and asked for their company name and address. I could not find any information on the internet or with the bbb in regards to their company. I called them back and they refused to give me any information until I confirmed the last XXXX digits of my social which they already had. I told them I was not required to disclose that without knowing who they are. They said they would not disclose any information until I confirmed my social. I told them if they want to schedule the courier I can show them my id to verify my identity, they kept claiming they could not talk to me until I confirmed my social. When I again stated until I could identify their company I was not giving that out, he restated that he would not give me any info without my confirming my social and then hung up on me.
XXXX XXXX, delteted an account from my credit file. Now they have are adding it back to my credit file one by one. When I checked my credit it now reporting on my XXXX report saying I owe XXXX ( Whom I 've NEVER DONE BUSINESS WITH ) .. XXXX This account was deleted from all three of my reports late XXXX of 2017.. The FCRA states I must be notified in writing before it 's placed back on my credit. I never received notice. I believe I never received written notice because I 've informed them this account is fraud. It does n't belong to me. I have been a victim of fraud!! I also ask this company for validation of this debt and never received it. I received a letter from XXXX XXXX stated they would Deleted account from my files. *PLEASE ATTACHED INFORMATION *
I received an alert from credit monitoring service stating I have a new account which is a negative entry of a collection account with Midwest Recovery Systems in the amount of {$660.00}. I never had an account with this company nor the original creditor or XXXX nor have I ever heard of them. I never received any written communication from either company in regards to this fraudulent debt and therefore is a violation of the fcra. This is is not my account and this fraudulent account has been placed on all 3 of my personal credit files illegally. By law I should have been sent a letter from this collection agency giving me 30 days to validate this debt, however I was violated of that right. I have sent a letter to this company requesting validation. This company is conducting illegal practices. I did n't have any collection accounts on my credit files until now because I pay my bills on time all the time. I 'm in the process of closing on a home loan and because of this blemish on my credit reports my score has went down dramatically due to incorrect and fraudulent information from this Midwest Recovery Systems.
send XXXX, XXXX  and Experian a dispute for XXXX XXXX XXXX, XXXX Acount number XXXX and another account XXXX I asked for Contact seeing they own the Debt with my Signature also for Validation of the debt Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Wells Fargo continues to allow credit/debit card purchases to go through, despite my opting out of overdraft protection. These were not automatic charges and no other debit hit my account aside from debit card charges. I have just paid XXXX in fees due to this. Also, my wife recently made a deposit at the drive up, and as she was, the bank teller, using the intercom, told her the account was overdrawn. My wife is not on my account. This was a violation of my privacy. Not to mention all others in line can hear as well.
on XX/XX/ a customer received an item he bought from me on XXXX, he used paypal to pay me Paypal immediately put a hold on the {$77.00}, CLAIMING i hadnt used my account in 6 months. 
On XX/XX/ I called Paypal to release the money, I explained the customer received the item and 3 days had past, Paypal refused to release the money an stated it would be another week before money could be released.On XX/XX/ I called paypal because another item sold and i received an instant payment, paypal didnt hold that money ( XXXX ), when i logged in to my paypal account on my phone it would not let me transfer the money, the option wasnt there to do so.I got online on my computer logged into paypal or tried, paypal website said i needed to prove who i was by entering a phone number when i entered my number paypal said it wasnt mine? And refused to let me sign in.On XX/XX/ i called paypal the agent transfered the XXXX and the XXXX to my bank account, the XXXX went through and the XXXX was reversed again, I called paypal on XX/XX/ paypal claims they dont know why but it will take 3 more days. Paypal is playing games with me there holding customers money to earn interest on the money customers trust them to handle ... this is fraud.Paypal has broken there fiduciary responsibility to me an immediate investigation into there banking habits are needed now. I need my money now, paypal needs to be fined and investigated.
I PAID OFF AN AUTO LOAN WITH XXXX XXXX AND ALSO PAID OFF ANOTHER ACCOUNT XXXX AND MY SCORES DECREASED, NOT SURE WHY..DEBT TO INCOME RATION IS HIGH AND I THOUGHT PAYING OFF LOANS HELPS THE SCORES.
I have been working with PennyMac Loan svc on a Refinance They have been very rude to me and the numbers have changed every time that I have spoken to them. I do not understand why my closing costs changed from my closing disclosure dated XXXX/XXXX/2016 to my new closing disclosure dated XXXX/XXXX/16. 
Why are they collecting 13 months homeowners insurance now compared to only 2 months on my previous disclosure? 
My closing cash to close went from {$790.00} to {$1200.00} in less than 1 month
Stonegate Mortgage merged with XXXX XXXX XXXX. They suspended credit reporting last XX/XX/XXXX due to their merger, and they have told me they would resume reporting by XX/XX/XXXX. All payments have always been made right on time at the first of every month. My credit reports still show Stonegate Mortgage with the last payment date of XX/XX/XXXX and the balance as of last XX/XX/XXXX. I have repeatedly attempted to correct this via both email and telephone. XXXX XXXX is either unwilling or unable to report my payment history and balance correctly. My latest credit reports dated XX/XX/XXXX remain incorrect, with no history since last XX/XX/XXXX!
XXXX, XXXX, and Transunion refuses to accept my Identity Theft report from the police. They are refusing to place a 7 year freeze and a 7 year fraud alert on my credit file. I have made numerous attempts to resolve this, was charged {$5.00} and was assured by XXXX and XXXX ( reference number XXXX ) that XXXX would refund this money once they received a copy of the Identity theft Police Report. Military ID with social security number is attached. Please let me know if I must get a Senator or President Trump to assist.
I mailed off several complaints to different addresses for this company as well. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " CPS d/b/a Consumer Portfolio Services Inc '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Thank you for your recent communication wherein you claim to have validate the alleged debt. The information you provided is woefully deficient and fails to establish that this is a valid item.

First, you have not, by any credit means, demonstrated that I owe this alleged debt to your organization. You have failed to provide any document bearing my signature that would establish that I have indebtedness to your company. You have ask so failed to provide me with a complete statement of accounting as required by law to be considered full and complete.

Second, you have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which you could easily have fabricated, fail to prove that there is any legal or contractual obligation between myself, your agency or the creditor.

Third, as you have failed to establish any relationship between me and the purported debt, I demand that you discontinue reporting this item to the credit bureaus and, in fact, that you delete the item. Additionally, not that if you continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act.

Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged debt to your organization AND to the original creditor. Your answers were condescending and I WILL be sure to report this negative response to the Federal Trade Commission and the Better Business Bureau. Your hostility was completely uncalled for as I am acting within MY rights under the law.

To summarize, I DO NOT have any contractual obligation to pay YOU at this point as you have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt.

Your compliance with my demand that you remove this item and discontinue collection attempts is anticipated.