WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/XXXX, I was served a lawsuit from Midland Funding. When I received the lawsuit, I observed that Midland Funding is suing me for an account stated, attached is the lawsuit with its exhibits. Midland included an alleged copy of a statement that does not show any charges nor any calculations regarding how those costs accumulated. I never had an account stated with Midland Funding nor anyone else. On XXXX/XXXX/XXXX, I mailed Midland a debt validation letter requesting all the account statements showing the purchases that culminated in the amount allegedly owed, credit card agreement with interest rates, all the interim and yearly disclosures from the credit card company, etc.in order to calculate the alleged amount owed, debt validation letter is attached. I also filed a Motion for Enlargement of Time and a Notice of Dispute in the state court. I faxed a copy of the debt validation letter to CFPB on XXXX/XXXX/XXXX, which is also attached. I had to attend a pre-trial conference on XXXX/XXXX/XXXX for this lawsuit. When I arrived, with a friend, there was NO JUDGE!!! I spoke to Midland 's attorney and they said I had to go to mediation in two months ' times and I told them that the debt had not been validated, docket is attached. I received a letter from Midland dated XXXX/XXXX/XXXX wherein they attach the same statement and exhibits attached in the state complaint. There are no statements that show what was purchased nor how the amount and interest rate was calculated. There has been no debt validation and Midland is trying to circumvent the Consent Order it has with the CFPB. Midland is abusive and discriminatory.
The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protections website at www.consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document.
On XX/XX/XXXX, I noticed an email from Wells Fargo stating that I should the see the conclusion of Claim # XXXX on my account ( a claim that I did not file. 

After doing some research I also found that a transaction for $ 1000+ ( that the claim was in regard to ) was also done by someone else. 

I called in to tell Wells Fargo that I did not make the purchase nor did I file the claim, and they are not helping. 

This account was previously closed after someone stole my debit cards, check book, and identity. Wells Fargo seems reluctant to refund me the money, or to assist me with this issue.
On Wednesday, XX/XX/XXXX, at XXXX XXXX I attempted to withdraw {$250.00}. None of my usual tellers were available and I was beckoned to go to a teller sitting at the far right. I did my transaction and left the Ace check cashing store with the money still in hand, after which, I handed the money to my father and as he counted it he said there was {$40.00} missing. I counted the money, now for the first time, and found he was correct. I went back inside Ace and informed the teller that I was missing {$40.00} from my withdrawal. The teller told me that she counted her draw and it was only XXXX cents over. I went back outside without the missing money and my father took the money and went into the store. The workers there told him they counted the draw. My father asked a few times was there nothing that could be done because he watched me leave the store and directly was handed the money received. Finally, they said they called the supervisor who reportedly said there was nothing they could do. When my father got home he called the main telephone number for Ace and was told that the district manager would look into the problem and if not, a vice president would handle the situation. Many calls later no one has called my father and I will list some of the reference numbers given when Ace was called. The fact that the teller who handled the transaction said she counted the money out twice can only mean she stole the money and the lack of response from Ace makes me feel there is a conspiracy to commit fraud along with the theft. I have never had a problem with this transaction in the past. I even had a customer in the parking lot who, when hearing my disgust with the situation, tells me that he won't go to that teller even if he has to wait. 
Some reference numbers for calls : XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX. Ace Cash Express, # XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX. Ace customer Service XXXX XXXX. Cash disbursed to me was {$210.00}. I only wonder how many times this has happened to others.
I SUBMITTED DOCUMENTATION IN REGARDS TO BEING A VICTIM OF IDENTITY THEFT AND SOME ITEMS HAVE YET TO BE REMOVED/BLOCKED OFF OF MY XXXX  CREDIT REPORT INCLUDING TWO HARD INQUIRIES ( XXXX, MADE ON XX/XX/XXXX, AND XXXX XXXX   MADE ON XX/XX/XXXX ) THERE IS ALSO A WELLS FARGO CREDIT CARD ACCOUNT THAT WAS FRAUDULENTLY OPENED WITH OUT MY KNOWLEDGE OR AUTHORIZATION. 

( WELLS FARGO BANK CARD ACCOUNT # XXXX, BALANCE {$1300.00} OPENED ON XX/XX/XXXX. )
I went to college on and off for years which I paid for and my employer paid for. I did not get {$40000.00} in loans to pay for my education. For many years, my credit report has shown where others have used my social security number to get credit cards, take money from my checking account, order on my XXXX credit card, which leads me to know that this to is fraud. I do not owe XXXX {$55000.00} for student loans. This is id theft and someone other than myself profited from student loans that have been linked to my social security number. My mother, nor my sister, never signed any paperwork for me to consolidate student loans according to the paper work that XXXX has mailed to me. This is id theft and it has caused my credit score to decrease from a good credit score to a very negative credit score. Please remove this information from my credit report as it is not my debt. 

XXXX XXXX Police Report # XXXX
Bureau is reporting inaccurate information regaurding my personal information. Also there are accounts being reported that are not even mine. I have contacted the Bureaus about these matters and have had no success. This is becoming very frustrating as I am trying to apply for a home loan, but being deprived by false information.
On around XXXX XXXX, 2016, I paid off my XXXX XXXX credit card and asked XXXX XXXX to close my account and to report to the major credit bureaus that it was the consumer who requested that the account be closed.. XXXX XXXX confirms that the payment was made and my account is closed. However, Trans union credit bureau is showing a balance of {$4800.00} which is adversely affecting my credit score. Trans Union also reported on my credit report that my last payment of {$130.00} was made on XXXX/XXXX/16 which is incorrect. The last payment was made on XXXX/XXXX/16 prior to me paying off the account on XXXX XXXX, 2016.
seems XXXX XXXX XXXX HIRED A LAWYER TO COLLECT XXXX I DO NOT OWE XXXX XXXX XXXX XXXX NOW WANT XXXX FOR THIS LAWYER XXXX XXXX I DISPUTED IT SEVERAL TIMES SENT E MAILS NOW THEY HAVE MY PERSONAL BANK ACCOUNT NUMBER CAN THEY TAKE MONEY FROM MY ACCOUNT??
We had a home equity line of credit with Capital One bank for 10 years. We paid our monthly required interest payment each month never late. Our loan came up for maturity XX/XX/2016 and they sent notice of denial due to income drop. They demanded payment in full and threatened foreclosure. My husband and I had many phone conversations with XXXX and they walked us through the process of exploring all other options. We were told we could not make any payments during this refinance process as our original loan was frozen/inactive. The process took them a little over four months in which time we had no idea they were destroying our credit history by flagging our account delinquent! By the time we received our 2nd threat of foreclosure and decided to look for lending elsewhere our credit score was not acceptable to the other lenders. Capital One did finally refinance the loan but are charging us a very unfair 7.5 % interest rate. I find it hard to believe they deny us only to turn around and approve. Everyone I speak to can not believe this actually happened and that it was legal. This is why we are asking for full review of the process taken and help us restore our almost XXXX credit score prior to this unbelievable chain of events.
In XXXX 2017 I began the process of refinancing my existing Ditech mortgage. Since then I have tried to get an explanation as to why I was double charged for interest during the process. My " Borrower Final Closing Statement '' clearly shows my paying interest on the old loan until X/XX/17 as well as paying Prepaid Interest on the new loan from XX/XX/XXXX-X/X/2017. Per Ditech 's correspondence of XXXX XXXX, 2017, ( which did not actually address my inquiry to them about this double payment of interest ), they state the old loan was paid in full on X/XX/17. To me, that means I paid interest on the old loan for 6 additional days at $ XXXX/day AS WELL AS paying interest on the new loan for 1 additional day at $ XXXX/day. For some reason, Ditech sent me a check for {$110.00} on XX/XX/XXXX after my first inquiry into the matter. and their XX/XX/XXXX correspondence states they sent me a refund for {$110.00}. There still has not been an explanation for that particular amount ( the check stub showing it may have been from an escrow account ) - and dividing the $ XXXX/day amount into {$110.00} does not yield a satisfactory explanation as it does not come out to 6 days obviously or any round number of days for that matter. I am asking for your help in this matter because I talked with three representatives, and no one seems to comprehend what I am disputing. Thank you for your assistance.
On Thursday, XX/XX/2016 I was contacted via text message by XXXX ( XXXX ) XXXX from Systematic National Collections ( SNC ) claiming to want to help resolve my outstanding debt. However, the texts from her quickly became inappropriate or " in the gutter '' as she put it. Making XXXX and asking what I am wearing. I told her that these texts were supposed to be professional and that I am married.
An agency named Kross, Lieberman, & Stone have fraudulently stolen {$950.00} from me and I want my money back. Kross contacted me and claimed that I had an unpaid debt which they were trying to collect. Kross used the false name of XXXX to steal my personal information and made a false settlement agreement with me. Now an agency named XXXX is claiming I owe them and I have a balance of {$800.00} plus that I owe them. This is a lie. Kross appears to be a criminal organization that steals from consumers who are trying to do the right thing. Under that settlement agreement I DO N'T OWE XXXX ANYMORE MONEY BECAUSE I PAID THEM ACCORDING TO THE SETTLEMENT AGREEMENT. AND THOSE XXXX CREDIT BUREAUS ARE HOLDING ME HOSTAGE BUCAUSE OF THIS FRAUDULENT COMPANY CALLED KROSS, LIEBERMAN, AND STONE.
I received a " Settlement Opportunity '' letter from " Credit Collection Services '' for a debt of {$480.00} from  XXXX   XXXX , offering to " Settle your past-due account at a discount ''. My account is up to date with  XXXX  and I do not owe any money.
I am being contacted concerning a debt that is not mines. I have written them several letters asking for Validation of the debt and have yet to get any type of response except we have verified it with our client. I know they have received the debt validation request because I sent it certified and it was sign for on each communication I have had with them.
I went to a n HSBC branch to cash a check from someone on their HSBC account. The teller asked me if I have an HSBC account. When I said no, he told me in order to cash their own check, they would have t o charge me {$5.00}. I told him that is ridiculous. He said there is nothing he can do.     I can deposit it in my own account in another bank to avoid the charge, but this really punishes poor people who can not afford bank accounts. It is an outrageous abuse.
I have received multiple calls from an agency claiming to be a debt collector. I do believe they could be but have yet to have them identify themselves in any way other than over the phone. They seem to have my name and now *definitely* have my address and month and day of birth. All I have is a phone name, phone number, address and repeated requests for my banking information. I also have him accusing me of not being willing to work with him to resolve this debt. I tried several times to get him to understand that I would not be giving him any banking information over the phone and he jumped right to me refusing to work with him. I think he finally understood that I was going to set up an automatic payment to his company via my bank. I did ask him to prove to me that he was indeed who he said he was and that he was with a legitimate debt collection outfit. He offered me a phone number to XXXX XXXX XXXX instead. At some point I told him that I was aware of the Fair Debt Collection Act and that he should read it. He also insinuated legal action in an earlier call this morning as well as after I told him I would not be setting up an automatic withdrawal through his outfit. I told him again to send whatever information he wished to me via XXXX again. He then insinuated legal action by saying that if the XXXX of every month was good for me he needed to give me an extension to avoid legal action. After more of this, I told him things were getting weird and that we were done speaking. 

I get that I owe money. I, like so many other Americans, have fallen on some really XXXX hard times. I am proud to say that I have not had to resort to going back on XXXX AND that I have a freaking job FINALLY ( XXXX! ). I am a single, now-working-dad living at home with his XXXX year old Mom. All this after a crazy-making contentious divorce. I am trying to get my life together and having additional and unnecessary drama created in so doing ai n't helping me OR untold numbers of Americans. I honestly hesitate to even file a complaint because I am and have been quite discouraged with how much ever day normal people have to contend with from a lack of any protections. I want to do the right thing. I am trying. And I almost fall for what could be a total scam? For the love of giving the people a bit more power than we are lead to believe we have, DO SOMETHING. I am lucky as I have learned through, quite honestly, bad choices, to advocate. And I am trying!!!
My mortgage is through PNC Bank. I received a delinquent real estate tax bill on XX/XX/XXXXfor total of {$590.00}. The taxes were dueXX/XX/XXXX for the amount of {$540.00} I contacted PNC Bank and found out they used a company called XXXX to pay {$2600.00} from my escrow account to pay taxes on XX/XX/XXXX. I immediately contacted the Treasurers office and found out that my escrow money in the amount of {$2600.00} was used to pay another persons real estate taxes. OnXX/XX/XXXX the treasurer refunded {$2600.00} to XXXX due to XXXX requesting a refund. That money was never placed back into my escrow account.

I found out that XXXX made a payment on my taxes on XX/XX/XXXX in the amount of {$540.00} ( which was the correct amount ). On XX/XX/XXXX XXXX  requested a refund of the {$540.00}. The treasurers office refunded it and that made my taxes delinquent. On XX/XX/XXXX payments of {$560.00} and {$23.00} were received from PNC Mortgage to pay my delinquent taxes. As a result of these errors, my escrow account and my account with PNC Mortgage is totally incorrect. I have talked to PNC and they told me that it was fine because my taxes were paid. They tried to tell me that the {$2600.00} was not taken out of my escrow in XX/XX/XXXXthen I told them that it was because I can clearly see it online. They went on to agree that it was taken out and would have to be researched. I asked to speak with Corporate, but was told by 3 people that they do not have a number for Corporate at PNC. Im now very worried that I will never get back my escrow money or the extra interest and fees that I had to pay for a delinquent real estate taxes.
Nationstar Mortgage requested information that was unnecessary ( confirmation of SSN for tax purposes, even though the institution had already sent a tax form and clearly had this information. They also did not include a postage-paid business reply envelope, as is good practice for business mail. I responded to this and paid postage myself to get this to them reliably. After being told the notice was in error, I have requested that they refund postage. They have refused and additionally, sent me someone else 's information (!! ) in a response. They keep insisting they sent a response envelope that was paid, while a quick glance on XXXX for this joke of a lender would tell you that no-one got such a paid return envelope. Bad practices and privacy violations are just the tip of the iceberg with these guys, but it 's a place to start.
I have a credit card with XXXX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with XXXX XXXX. I tried contacting both XXXX, XXXX, TransUnion, and XXXX with no successful resolution. XXXX, XXXX, and TransUnion are reporting me 30 days late. This is definitely an error on their part. I was never 30 days late.
To Whomever This May Concern : My name is XXXX XXXX XXXX and I have 3 collection accounts on my report that do not belong to me. Also one of the companies are reporting twice on my report, which is, XXXX XXXX XXXX with 2 different amounts, and XXXX XXXX. These items do not belong to me at all. I am attaching my police report and my DL attached to this complaint. The 3 items listed are : XXXX XXXX XXXX-XXXX, XXXX  XXXX XXXX-XXXX, and XXXX XXXX-XXXX. These items need to be removed off of my report immediately or I will be filing multiple complaints with the Attorney Generals office and the FTC. Thank you in advance.
I have sent written requestfor verification of said debt to this Professional Finance Company over 60 days ago and received no reponse. I sent my letter certified with a return receipt. They have received my letter but refused to respond to my request.
I have applied for a Home Affordable Mortgage Program ( HAMP ) with Nationstar several months ago and have continued to make payments on my mortgage however Nationstar has delayed addressing my HAMP application and continually requests documentation that is not relevant to process my application. I wrote Nationstart long before I had a problem making payments on my mortgage after I lost my job and warned them that I would have problems due to a loss of income. I have provided documentation requested in the HAMP application process and have repeatedly followed up to request the status of my application however I have not gotten a response on the status other than requests for information that is unrelated for approval. I have looked on my account and no longer see the documentation that I submitted through there online application process but have emails with the documentation that I provided. I feel like Nationstar is giving me the run around because I have a huge amount of equity in my house and would rather take the home in foreclosure if I ca n't pay as opposed to processing my HAMP application and taking a reduced mortgage payment. I have owned the home for 13 years and have never had a problem making payments until now. I only ask for fairness and due process for my HAMP application. Lastly, I have put my home on the market, as of XXXX 2015 and expect to receive a reasonable sale price if given the time. My home is quite expensive, especially in the Rhode Island market, and will take some time to sell but the HAMP program will allow me to make payments until the home is sold.
I filed for Chapter XXXX bankruptcy on XX/XX/XXXX after several repeated attempts for loan modification were denied. On XX/XX/XXXX Owen Loan Serving filed a notice of post-petition mortgage fees, expenses and charges with the bankruptcy court to recover legal costs incurred after I filed for bankruptcy. I have been making payments to the trustee 's office for my mortgage payments since XX/XX/XXXX. However, Ocwen servicing loan ( Mortgage lender ) never filed a proof of claim. I had to incur an additional expense to pay bankruptcy lawyer to file proof of claim on my behalf. I am attempting to get my XXXX Tax Forms and was told I wo n't be receiving one because there were no payments made in XX/XX/XXXX. The trustee was holding on to the money to allow Ocwen time to file claim which never happened forcing me to file a proof of claim via my attorney in which I incurred an additional fee. 
On XX/XX/XXXX a payment of {$16000.00} was made to Ocwen by my trustee however, Ocwen states they did not receive payment until XX/XX/XXXX and therefore I will not receive a XXXX for XX/XX/XXXX. Did I mention Ocwen file a {$400.00} claim, which is to be paid through my bankruptcy plan as fees they are recouping/charging to " review '' my bankruptcy plan which in turns increases my bankruptcy payment amount?, Ocwen responded with a letter that states nothing but facts regarding the case. No one has explained to me why a proof of claim was never filed by Ocwen. Can someone please explain why a proof of claim was never filed by Ocwen causing me to file on their behalf? Also can someone please explain why the payment of {$16000.00} made to Ocwen on XX/XX/XXXX was not receiving until XX/XX/XXXX. 
I, XXXX had to file the proof of claim on my own behalf via my attorney which is attached as Ocwen did not file a proof of claim. Had Ocwen done its job of filing a proof of claim via their local lawyer then I would not be in this situation at all. A notice of post-petition is NOT the same thing as a proof of claim. Can you provide reason for not filing proof of claim in a timely manner? Can you also provide a reason for not receiving payment until XX/XX/XXXX when payments were made on XX/XX/XXXX. See attachments. As a result of Ocwen 's negligence in filing proof of claim ; it caused trustee to hold on the payments while simultaneously allowing your Ocwen 's local lawyer to time to file claim. It also resulted in having to file the claim myself which is not in my fault and therefore I should be punished for Ocwen 's local lawyer 's negligence in filing a proof of claim. Previous response does not answer my questions. It only states facts.