WillisBack/dataset-financial-user-claim huggingface dataset:
I am filing this complaint because Midland Credit Management , Inc. has ignored my request for the validation of this debt by not providing me the documents use to verify the account that was disputed. 

Under the law, if a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. As such, all collection efforts on the debt must cease and any derogatory listing should be permanently removed from any consumer credit reports. 

According to Texas Finance Code, the following information was to be provided : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information The debtor stated that they were uncertain what I was specifically disputing and needed written explanation and documentation. I provided that information to them certified. 

The debt collector has five ( 5 ) days after admission of inaccuracy of this debt to cease collections and remove credit bureau listings. 

Also, I believe that Midland is in violation of the settled case XXXX XXXX ( XXXX ) with the FTC by contacting me by cell phone without my prior consent, in violation of the Telephone Consumer Protection Act ( TCPA ), using an automatic telephone dialing system.
Hello, I have had a student loan open with Discover since XX/XX/XXXX. I have been making payments on this loan since I graduated from XXXX in XX/XX/XXXX. Unfortunately, I had a lapse in payments in the middle of last year because Discover was demanding that I pay more that I could afford. I called and set up a payment plan over the phone and have been making payments of {$250.00} for the past 9 months. 

That said, none of this information has been made available to me by Discover. I can not access any statements online, and Discover has kept no record of my payments there either. When I checked my credit report, I noticed that Discover has claimed that my monthly payment is far lower than it actually is. They claim that I am paying {$110.00} per month when I am in fact paying the aforementioned {$250.00}. This means that I have no idea how my amount owed has been affected, nor am I able to see the status of my loan. 

Please help! 

XXXX
XX/XX/XXXX I purchased a vehicle from a dealer. they financed the car through flagship credit, I mad my payments ok for awhile, even though it was a struggle.i told the dealer what I could afford, but payments were higher. in XX/XX/XXXX my husband had a XXXX, about 6 months later we were told that he had XXXX, through all of this I have been receiving harassing phone calls, even after I make arraignments to make a payment. recently I was XXXX short on a payment. 
was told by the representative that it did n't count as a payment. told them when I coluld pay more, after that I kept receiving phone calls harassing me about the past due payments.i get numerous call every day. they wont even give me someone to talk to to discuss refinancing to make payment smaller. my husband is also XXXX, it is to much to deal with, but we do n't have money for another vehicle, I am so stressed all the time about the bills and possibly losing my car
My accounts was closed as a result o f Card Security igno ring my requests. I received a letter from  XXXX   XXXX  which never addressed the closed accounts and the effect that It had on my credit. I also uploaded the fax confirmation s to Card Security sh owing that the information was sent and was received without error. You addressed all the open accounts but never addressed the ones that was closed when you consider I submitted this information  to Card Security at t he beginning of  XXXX /2016 and it took them months to pay. To date they have not paid  the Belk  ending  XXXX  and I have submitted t his information to them repeatedly to no avail. TJ Maxx was closed as well as a few other accounts. You did a partial research into this matter but I need the date my information was submitted the FIRST time   to Card Security and the time it took them to process my information. I have the fax confirmations to prove that it was sent to them but they claim to never have received it and did not proce ss it until my accounts were closed. They had a month to process my claim and nothing was done! I do n't know if I am a liability that they did this for my account to close or not but I think it is somewhat suspicious.
I am one of the individuals likely affected in Equifax 's security breach. They inadequately protected my credit information, and did not respond in a timely and appropriate manner once the security breach was discovered. I have put a fraud alert on my file and checked my credit report through XXXX.
A number would appear numerous times a day on numerous phone numbers ( home, cell, work ), but never a message. Today I called the number back to determine who and what. I asked the lady to please tell me who they are and why they insist on calling many times a day without leaving a message. Her name was XXXX and she became very irate. After receiving her verbal abuse for about 4 minutes, I asked for verification documentation. She indicated they already sent the information. I asked her to verify the address. She told me she knows I got it, they have verification of when things are delivered, and I ca n't lie my way out of this by saying I did n't receive the documentation. She blatantly refused to verify or update my address. I admittedly did not react well, called her a few unfavorable names, and hung up. 

I called back and spoke with a very nice gentleman who agreed to update my address ( they had an incorrect address on file ).
I do n't even have a XXXX credit card nor even used it so I do n't see why they put me in collections because of this
I opened a Banco Popular sponsored credit card offering 65,000 miles to XXXX XXXX after paying a {$140.00} fee and making an initial purchase. 

The card was opened on XXXX XXXX XXXX and I spent around {$900.00} plus they deducted the {$140.00} annual fee immediately. I made my payments on time and did n't use the card since. The spending commitment was made on time. 

After not receiving the points by XXXX XXXX, I called Banco Popular at the number on the back of the card ( XXXX XXXX XXXX. I was informed that the points will show up in the avianca lifeMiles matter of weeks. 

After not receiving any points as of XXXX XXXX, XXXX I called Banco Popular and spent appx 40 minutes being passed around with only, this is the wrong department, your account has been closed. 

I checked with XXXX XXXX and saw that Banco Popular closed my account in late XXXX XXXX. I received no refund on the {$140.00} annual fee, and was not informed that the card was cancelled in any way ( such as a letter informing me XXXX.
on XX/XX/XXXX I sent EXPERIAN a certified letter and they received on XX/XX/XXXX requesting that a tax lien listed on my credit bureau by XXXX County be investigated and verified. I got an unsatisfactory response to my request on XX/XX/XXXX BY EMAIL which is well beyond the 30 days allotted time to respond. 

I also mentioned that automated response or XXXX verification is unacceptable. I am requesting a re-investigation AND their Method of Verification. 
Additionally, I asked to please be provide the name, address, and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I also reminded them that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XX/XX/XXXX ), they may be liable for their willful non-compliance. None of this was acknowledged or complied with which is a direct violation of the FCRA. I currently have a total personal data security freeze with XXXX, XXXX  XXXX and XXXX.
I have received several calls to collect a debt. I would be fine paying the bill if the person on the other line had n't called me offensive names and threatened to sue me. When asked to speak with her supervisor she has been belligerent and rude. I am uncomfortable receiving calls from this company. They have called me several times a day for the last three weeks.
On XXXX I got a loan for {$1000.00}. On XXXX I had two XXXX a XXXX, and XXXX XXXX. I had someone make 8 payments for me. Since then the have reported to the Credit Bureaus that I owe {$1600.00}. Also, they filed courts papers with my personal information which includes part of my social security number, date of birth. I reviewed the file at the courthouse, and there seems to be Fraud. First of all, I did not use my vehicle for colateral, nor did I sign to have insurance, or Road side assistance, for my vehicle. I noticed a Man by my Jeep when I was inside, I believe he got my VIN number, and then he came back inside the office. I have a lien on my vehicle already, so why would I do that. Second, the personal property they have in the court they listed are fraud, and so is my Signature is Fraud. I did not sign for such a deal!! Restitution need to be enforced, in the amount of {$25000.00}.
I contacted XXXX XXXX for a debt validation letter, the company refused saying they did not have to provide a letter, sent off letter requesting to validate debt but this company provides the wrong address. Company is refusing to validate debt.
I currently have 2 Federal Stafford Loans that are current and never a late payment. In XX/XX/XXXX I applied for auto payment to receive a interest rate reduction. This was scheduled to begin in XX/XX/XXXX. However, Navient cancelled the auto payment stating in an online letter that " This month 's student loan payment could not be deducted from your bank account based on information provided by your bank. As a result, we 've terminated your participation in Auto Pay. We suggest reaching out to your bank to ensure there are no issues with your bank account. '' I contacted my Bank and was informed that Navient never attempted any contact with XXXX XXXX. When I spoke with Navient I was told I gave them the wrong account information. 
Because this is the second time I have attempted this with Navient, I took screen shots of the account information provided, so I have documentation that this statement is in fact false. 
I believe this to be a delay tactic by Navient to stall interest rate reductions. I would like this published ; because I am sure this is standard operating procedure to deny attempts of auto-pay and interest rate reductions. Thus resulting in untold amount of interest profits for the company each month.
In XXXX I noticed and escrow disbursement that occurred on XXXX/XXXX/2015 in the amount of {$580.00}. After a quick phone call to US Bank, I was advised by a " Sr. Rep '' that a XXXX XXXX XXXX XXXX XXXX requested the funds. I advised the US Bank Representative that I was not familiar with a XXXX XXXX and that I needed this situation researched. On XXXX XXXX, I received a letter from the " research department '' of Us Bank basically advising me that the funds were sent back due to my escrow account being overfunded and the time of transfer. My loan transferred to US Bank in XXXX of 2015. I made my XXXX payment to XXXX XXXX. This was my XXXX mortgage payment ever. 
After being advised that my escrow account was over funded I did the research myself. Per my HUD Statement ( which I have attached ), my initial escrow deposit was {$1200.00}. I made one payment of {$470.00} to XXXX XXXX. If you subtract XXXX MIP payment of {$110.00}, that leaves me with a balance of {$1600.00} which was transferred to US Bank in XXXX, 2015. After these findings, I contacted US Bank again on XXXX. This time I spoke with a senior rep by the name of XXXX. After being put on hold for about 5 minutes at the beginning of the call, I was finally able to go over my payments. XXXX not XXXX acknowledge that there may have been an issue, in fact she stated that whoever she need to contact was not in the office. I advised her that I was not satisfied with her response, and that I was going to escalate this. XXXX 's reply was, " do what you have to do ''. Needless to say that I am a XXXX time homebuyer who also happens to be a supervisor for a mortgage servicing company, and this by far is not how this situation should have been handled. I would like to know why US Bank did not confirm that my escrow account was overfunded before they sent the funds. I know how escrow shortages work, and with my taxes going up for the year, these missing funds will have a major impact on my escrow, thus raising my payment in the coming year. I would also like to know why XXXX XXXX requested the funds without confirming that my escrow was over funded.
THIS IS NOT A DUPLICATE COMPLAINT On XX/XX/XXXX,  Equifax reported to Consumer Financial Protection Bureau that they deleted addresses listed in the original complaint submitted. They did not Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX As of today, those fraudulent addresses, which were included in Identity theft Affidavits and a police report, are still reporting to my credit report. I contacted Equifax again today and was told they would file a dispute and it would take another 30 days to remove the addresses and the collection. But they reported to the CFPB that they were already removed on XX/XX/XXXX. 

Equifax has not followed the laws and have also performed a dishonest act by providing the CFPB with false information. 

They are also reporting XXXX XXXX XXXX XXXX XXXX   that was removed because the entire debt was paid. This is inaccurate information
The credit report dated XXXX XXXX, XXXX provided by XXXX showed Consolidated Recovery for two accounts showing on my XXXX report. Those accounts numbers were account # XXXX and XXXX. As of XXXX XXXX XXXX, they reported that the amount owed for account # XXXX was {$250.00}. On the same date, they reported the amount owed for account # XXXX was {$260.00}. The original accounts from the original creditor, XXXX, became delinquent as of XXXX/XXXX/XXXX. This means that XXXX/XXXX/XXXX would be the correct Date of First Delinquency. As of XXXX/XXXX/XXXX, according to a statement from XXXX, the final amounts owed were {$210.00} and {$170.00}. The accounts with XXXX were charged-off and any interest or final fees owed to XXXX can not be applied after the charge-off occurred. Consolidated Recovery, a debt buyer, can not legally inflate the amount of the debt after the original creditors write-off. Under 15 USC 1692f 808 ( 1 ), the law states the following : The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
This is no legal explanation as to why the amount owed in the two collection accounts was inflated. We can only assume that this was done in retaliation since they only inflated the amounts after I filed a dispute with the credit bureaus because the company was reporting an incorrect amount for both accounts ( less than what it shows now but more than the original amount ) and the dates were being reported incorrectly. These debts are from XXXX. From XXXX until the time that I filed the dispute with the credit bureaus in XXXX XXXX, the original amounts have never increased. They did not increase until I filed the dispute which shows a clear retaliation from Consolidated Recovery. 
In addition, the company is showing the wrong first date of delinquency. In this case, it would be XXXX. They are reporting a date in XXXX in violation of my rights as a consumer. I am attaching a previous credit report from this year as well as my most recent XXXX so you can see the increase in the amount reporting. Please note that the XXXX credit monitoring that I am using shows the original creditor reporting however it is actually Consolidated Recovery that is reporting the accounts to XXXX
Hello, Opened a new account and met all requirements to receive a promotional XXXX  account opening bonus. After meeting requirements, bonus had not been provided so filed a complaint with CFPB in which case the company provided a response on XXXX/XXXX/XXXX that all requirement were met and bonus would post no later than XXXX XXXX, XXXX ( see response from bank below in regards ). Waited until date specified and no bonus has yet to be posted. Bank has held onto my account funds for over 180 days interest-free without providing bonus and has continued to keep my account open falsifying bonus post date by an additional 60 days with their response via CFPB. 

The following below is the bank 's response to my CFPB complaint filed over 60 days ago : Company 's Response on XXXX/XXXX/XXXX ( CFPB reference # XXXX ) Steps Taken : After review of the account it was found that the client did qualify for the XXXX  cash bonus, however the timeframe to allow the credit to post has not been reached. Resolution : XXXX XXXX, please accept my sincere apology for the inconvenience you described surrounding your attempt to participate in a new account promotion to potentially earn a cash bonus of XXXX Our goal is to ensure that all of our clients are provided with the highest level of service and we regret that you found cause for dissatisfaction under any circumstance. I assure you that our marketing strategies are certainly not intended to mislead you, or any potential client. Citibank, like other banks, periodically offers promotional bonuses to deposit account applicants to attract new banking clients. In order to conduct our promotions in a manner consistent with sound business practices, we may customize offers by direct mail campaign initiatives to select individuals, in addition to the requirement of the standard terms and conditions that Citibank discloses for its promotions. In our review, we found that you did meet the requirements of the offer in question, promotional code XXXX. Pursuant to the terms and conditions of the offer, the credit will be placed into your account within 90 days after the required transactions were completed. Our records indicate the last required transaction was completed on XXXX XXXX, XXXX. Therefore, the XXXX} credit will post to your account no later than XXXX XXXX, XXXX.
Equifax is reporting an account named XXXX XXXX XXXX on my report as having a current status of 120 days past due when it should state closed and paid and they are showing account 120 days past due in history on XX/XX/XXXX. This account was closed XX/XX/XXXX so how is this possible after filing complaint with CFPB and waiting 30 days a response was sent by XXXX XXXX XXXX saying they arent reporting equifax is and its equifaxs responsibility to correct taking NO blame for negligent reporting but they stated they received a dispute prior to this and confirmed account so they confirmed these things then. Now equifax sends me new investigation results dated XX/XX/XXXX and once again XXXX XXXX XXXX confirmed current staus of a 2 year closed account as past Due 120 days and show it past due on XX/XX/XXXX. This is rediculous. In mean time I am the one suffering because of this gross negligence of both parties equifax and XXXX XXXX XXXX. I dont want to hear its not our problem from XXXX XXXX XXXX its Equifaxs because equifax just sent them in XXXX another dispute and asked them to confirm and the XXXX ( Im sorry I say as I see ) including the guy who responded back to last complaint confirmed everything asked to this includes current status being 120 days past due and the past due occured XX/XX/XXXX some 2 years after account was already closed. So what will XXXX XXXX XXXX excuse be now? What will equifaxs excuse be. like 2 peas in a pod both incompetent XXXX. Im not looking for any investigation as I have wasted a year with this account already. Both equifax and XXXX XXXX XXXX have exactly 15 days to either remove account or correct to show current status paid and to remove the 120 late on XX/XX/XXXX history. After this amount of time maybe its time to let the courts handle and both can pay my legal fees and damages for their blatant negligence. This actually should also be forwarded to the FTC as they both have consistently reported incorrectly and refuse to fix each other blaming each other. Enough is enough. 15 Days
Best Buy XXXX placed 37 separate calls to my phone over a 6 day period for collection of an overdue amount of {$53.00}. Calls occurred between XXXX and XXXX.
I was contacted by mail on XX/XX/XXXX by the law firm of XXXX and XXXX. In the letter it was stated that they had obtained a judgment against me on behalf of their client XXXX XXXX XXXX XXXX. They then stated that I had an outstanding judgement balance of {$10000.00}. 

I have never received any paperwork notifying me of a lawsuit and in fact the original debt was by my records charged off in XX/XX/XXXX. 

I had moved on XX/XX/XXXX and on XX/XX/XXXX so if they had served the paperwork to an old address it was n't to me. 

Furthermore I just received a phone call from one of their representatives at work. 

I think it will go a long way if the Bureau of Consumer Financial Protection contacts XXXX and XXXX and just ask some simple questions. Like " When did you supposedly sue this person? Do you have court document showing proof of service? Who signed the proof of delivery? Show us documentation proving you have the right to collect this debt? " Please help as I do n't know who else to contact and really need a help from your organization to help with this dispute.
I purchase d US Ban k prepaid Mastercards #  XXXX ,  XXXX  and  XXXX  with initial value of {$200.00} in  XXXX   XXXX . I opened packages with these cards in  XXXX   XXXX  and discovered that money has already been stolen from these cards in  XXXX ! I submitted a dispute form to the bank, however they responded that it has been more than 120 days since fraudulent transactions were charged to my cards therefore they cant help me and I need to contact the merchant. I cont acted one  of merchants (  XXXX  ), they found these transactions and said that money have been transferred to a fraudulent  XXXX  account. They suspended that account, but according to  XXXX  they can refund money only when they receive appropriate paperwork from my bank. However, the bank is not willing to help me to return my money because it has been more than 120 days.
I would like Diversified Consultants, Inc. to stop all collection activity and close the file for account number XXXX. My intentions is for Diversified Consultants, Inc. to withdraw from any further collection activity on a bad debt that is n't mine to start with. I am demanding that they cease and desist from any future collection activities and not sell this debt to any other debt collection companies. I further demand that Diversified Consultants, Inc. is to NEVER insert this incorrect bad debt onto my credit records ( XXXX, XXXX, and XXXX ). Furthermore, this debt is to never be transferred or resold to any other debt collection companies for any further collection efforts and to stop all collection activity and close the file with account number XXXX. DISPUTED ACCOUNTS UNDER THE LAW AND MY RIGHTS MUST FURNISH PROOF AS REQUIRED BY LAW THIS IS A VALID DEBT.