WillisBack/dataset-financial-user-claim huggingface dataset:
I never received notification from Midland Funding llc that my savings account was going to be garnished. I was notified by my credit union with a copy of the affidavit by mail. I received the information from my credit union 2 days after {$450.00} was taken from my account. 

Upon calling Midland Funding I learned that they did n't even have my correct address. I was told they are a debt collector collecting a past debt for a XXXX Bank credit card I supposedly had between XXXX - XXXX. They gave me no additional information and told me to contact their law firm XXXX, XXXX XXXX XXXX. 

I spoke with a representative at the law firm on XXXX/XXXX/XXXX and got very little information. I asked for proof to verify that I actually had a credit card with XXXX Bank but was told they were unable to provide the original credit card agreement. I asked for proof that I indeed own this debt and was told they can only mail me their court filing regarding this matter. 

I also have to question why I am being " attacked '' for something that supposedly happened over 6 years ago. From what I understand the statute of limitation in the state of Ohio is 6 years. Midland Funding garnished my savings for a matter they claim took place between XXXX to XXXX. 

I also find it curious that my savings account shows XXXX transactions by Midland Funding on XXXX/XXXX/XXXX finally resulting in half of my joint savings account being depleted. I do not understand how {$570.00} was initially taken then {$570.00} was deposited back followed by {$560.00} taken out and {$560.00} redeposited. The final transaction was {$450.00} taken from the account by Midland Funding. All XXXX transactions took place on the same day. Why? Is this an attempt to make my account look like it had automatic deposit/wages added which would make garnishing look more legit?
Previously had checking account with Bank of the West, XX/XX/XXXX-XX/XX/XXXX, overdrawn once & was charged {$5.00} a day for everyday overdrawn plus customary {$25.00}, other fees,, total of {$550.00} Now this is showing as negative/ derogatory on credit report, is such daily overdraft charges legal? Never known of another financial institution having such charges, feel these are unfair, outrageous charges, I have applied for my VA home loan benefit feel this might hinder progress
I have no knowledge of this account, please provide me with the original instrument of debt with my signature on it to verified that this account belong to me in accordance with the FDCPA. And any contractual agreement that proof you have the right to collect this allege debt.
A law suit was filed by an attorney for a bulk debt buyer in XX/XX/2017, however, this was the first notification from the debt buyer that I owed the amount stating on the form. I previously disputed the unauthorized charges of {$5000.00} on my credit card when I received the bill with the original creditor and was told that it was under investigation with the fraud department. I followed up with a letter to dispute it with the bank, and continued to wait for a resolution, spoke on numerous occasions with customer service reps who told me it was being worked on. The bank also hiked up the interest rate while I thought the debt was being disputed to 26.99 % from its 17.49 % which increased the interest due to approximately {$4000.00},. The interest due plus the {$5000.00} unauthorized charge amount, and the actual amount owed of {$8000.00} brought the amount to {$18000.00}. I am liable for only {$8000.00}, plus the standard interest of 17.49 %. The bank did not investigate the fraud charges on my credit card account, but sold the debt to a junk debt buyer. I was not notified by the original creditor that the debt was sold, neither was I ever notified by the debt buyer that I owed the amount they claim. I was not given the opportunity to dispute this debt by the debt buyer, but received a complaint for a lawsuit for the full amount of {$18000.00} which I do not owe. This lawsuit should not be used to trigger a dispute with the debt buyer and it appears that there is a violation of the FDCPA. I do not owe the amount of the debt and I am again disputing it.
So, this guys ( Below ) have falsely put a collection on my credit report. 
after several times letting them know that they owe me money. 
this am assuming that this guy is from XXXX XXXX people, That very bad company that is now XXXX XXXX XXXX is trying to collect instead i told them that they owe me an over charge of XXXX and they are not paying and now they have the audacity to try to collect. I demand the return of XXXX to me and immediate removal from my credit account. 



Payment Status : I C SYSTEM XXXX XXXX XXXX XXXX XXXX   XXXX, MN XXXX XXXX XX/XX/2018 Collections
EQUIFAX listed three fraudulent hard inquiries which they are unwilling to remove ( even with proof ) and that the other credit agencies do not report. Fraud inquiries on EQUIFAX report are : XXXXXXXX XXXX, XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX ; XXXX XXXX/XXXX, XX/XX/XXXX. I received documentation from XXXX and XXXX that these were fraud attempts to open credit ( I do not recognize nor authorized ) and no accounts were opened. I submitted documentation to EQUIFAX and their investigation simply states " these inquiries are factual ''. Today ( XX/XX/XXXX ) I received an alert for another hard inquiry on EQUIFAX from XXXX XXXX/XXXX for a fraud attempt ( confirmed with XXXX, agent # XXXX in XXXXXXXX XXXX   Fraud Dept ). This is another fraud attempt and EQUIFAX is unwilling to remove these incorrect/fraud hard inquiries from my report. My credit score is suffering with EQUIFAX. I will be making a major financial purchase soon and their unwillingness to remove the hard inquiries on my file will cost me a higher interest rate ( EQUIFAX MUST FIX THIS IMMEDIATELY - PLEASE HELP ).
This collection account was placed on my credit however, I've never applied for credit with this company as they stated it was within the last year. I was just informed via XXXX XXXX of this change to my credit account
I have to work XXXX hrs/week to afford my monthly bill of {$550.00}. PLEASE allow me to go on an income-based repayment plan. I can not afford this rate, and can not XXXX endure working XXXX hrs/week any longer. I am happy to pay for my education and the loans I took out, but with XXXX college degrees and working XXXX hrs/week with otherwise good credit, this is absurd. PLEASE help me. PLEASE lower my monthly payments.
Southwest credit Systems has been harrasing me since XXXX of 2016. I sent Southwest a request for validation which they did not provide in the first 30 days as determined by the FCRA. They were removed from my XXXX and XXXX credit reports. They waited 2 months and put it back on my XXXX and on XXXX without any correspondence with me. They started with harrassing phone calls and they are ruining my credit worthiness. This is an unverified and unvalidated account. I had previously disputed this account. I have never done business with Southwest Credit. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I disputed the validity of the debt that Southwest Credit claims that I owe. I requested that Southwest Credit provide verification of the following : 1. The ORIGINAL Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether they purchased the debt, and if so, the amount paid for the debt. 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I requested that Southwest Credit Cease and Desist all further communications and collection activities and provide the verification of this supposed debt. I demanded that Southwest Credit remove any and all Tradelines that are reporting on my credit report with XXXX. Their response-they reported it to the other two credit bureaus. Ive sent them numerous letters and Ive called them several times. They have ignored my requests. I am extremely frustrated and upset in dealing with them as I have been dealing with them for a little more than 6 months. They are damaging my reputation and preventing me from being a reputable citizen considering my credit file is unnecessarily damaged.
Basically I was given a private student loan from Discover of around {$37000.00} for about XXXX semesters ( XXXX summer plus a full year ) of film school with the XXXX XXXX XXXX University. When it came time to get another loan for my second full year of XXXX, Discover informed me that they were no longer doing business with my school and that they would not be able to give me another loan. Because of this, my Dad had to go into debt by getting a parent plus loan for my second year and after that I was unable to continue attending the school. I was able to earn an XXXX degree but not the full XXXX degree. Now I am barely able to find work and I have had to get in even more debt pursuing other degrees to keep from paying back unimaginable loan debt. I do n't mind paying back my federal loans, but my private loan has now soared to more than {$53000.00} ( For ONE year of XXXX ) with current payments of {$570.00} a month. I 'm not sure who ( other than myself ) is more responsible for my current debt, Discover or the XXXX XXXX XXXX University but either way I was duped ( at age XXXX ) into an enormous amount of debt that will be impossible for me to pay off. My biggest concern with Discover is that had my Dad not taken out that additional loan, I would not have been able to do even more than one year of XXXX and how would I be able to pay back anyone without the benefit of an actual degree? This does not seem right and I would simply like a review of both my loan and my former school to determine if any fraud was applied to my situation. Thank you for taking the time to assist me with this matter.
Sears is reporting that I have a {$5300.00} collection account owed to their company. I have never had a Sears account in my name. I have contacted Sears and even submitted an FTC fraud affidavit almost two months ago, but I have not heard back from them. Meanwhile, this erroneous account still reports on my credit report.
My complaint is against Experian I have been trying to correct my name for 2 months now and have sent them my drivers license and soc sec card. They continue to call me XXXX XXXX XXXX not XXXX XXXX XXXX. I also have disputed XXXX XXXX and XXXX XXXX providing documentation of court orders signed by judges to have the items removed. They refuse to attach court orders to the disputes when sending to XXXX and filed a dispute with XXXX XXXX not XXXX. Why would they file a complaint with XXXX XXXX???? XXXX is all over the court agreement. A bunch of idiots are running this company and they are no help at all considering they control our credit history it is disgusting and should be against the LAW.
I opened an income tax loan in XX/XX/XXXX with XXXX XXXX. When you receive this loan you are required to file your taxes with this company and when they receive your taxes they will deduct the amount of the loan before issuing you your income tax refund. There was n't a deadline for this loan as long as they receive payment during income tax season. I paid this loan in full on XX/XX/XXXX when XXXX XXXX received my taxes. Equifax is reporting this loan is open and the amount past due is {$490.00}. It also shows that I 'm 60-90 days late which is affecting credit tremendously. There was never a due date for the loan. The account is actually paid in full and closed. I have disputed this 3/4 times. I have went to XXXX XXXX and got documentation that the account is closed and paid in full. Equifax refuse to investigate this issue. I never missed a payment on anything and its not fair for me to have it reported on my credit as missed payments.
Equifax has mishandled my information, which has led to a breach that puts myself and millions of others at potential risk. I upset with how Equifax has handled reporting this breach ; very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call, and I instead had to discover it myself.
I had slightly more than {$1700.00} in my Bank of America account. 

I transferred {$1700.00} out of that account. 

After I put in the transfer, BofA withdrew an ADDITIONAL {$850.00} from my account ... and charged me overdraft fees! 

They said it was because a P2P deposit from my tenant ( on XXXX XXXX had " failed ''. But that " failed '' deposit had already cleared 3 weeks earlier! 

QUESTION FOR BANK REGULATORS : Can a bank or XXXX take money out of my account any time they want, even weeks after a transaction has cleared? If any transaction can be suddenly reversed *without warning*, how can consumers know for sure how much money they actually have?
Experian Report # XXXX Date XX/XX/XXXX Experian has on my credit report as stated back on Previous report that I had auto loans on my credit file from XX/XX/XXXX that I did not sign for or consent to run my credit. 
Experian has yet to provide any documentation of such or any proof of such. 
Experian has not shown nor prove that the credit was applied by me with any consent to run or apply credit under my name. 
I need proof of such auto companies and finance companies that Experian has fraud running in my name with no documentation or proof to back up keeping information pertaining to personal information. 
Experian seems to commit fraud as to and how this information was place on my credit file. 
I disputed the Inquires by Experian as my right and Experian has not provided any proof, documentation, nor any contract as facts or proof as it appears on my credit file. 
I also sent in the companies that are not any I applied for or obtain credit in my name very detail and Experian acts as I did not provide the information to them. Nothing but fraud on Experian Part to the issues.
There are several issues here : -Lakeview/XXXX made a mistake by only charging me $ XXXXmonth and removing taxes from my payments and not telling me. I set my rental property to my mortgage payments. Had Lakeview/XXXX not made an error and set my monthly payments accurately, I would have set my rent differently. Lakeview/XXXX should be responsible for the shortage. 
-Taxes Lakeview/XXXX did not pay in 2017 were roughly {$6000.00}. {$6000.00} is the difference they need to make up. How do my payments go from $ XXXX/month to $ XXXX/month? This does not make sense. 

Again, for the taxes that LakeviewXXXX did not pay in 2017, they should be held responsible as neither I or XXXX XXXX  told them to stop paying the taxes.
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 XXXX . 
XXXX and other furnished XXXX XXXX, XXXX XXXX, and XXXX 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 I am XXXX XXXX XXXX. 
I have some address that need to be off my credit file The following address are not mine : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX  XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are not mine please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
I have had a mortgage with greentree for 20 years, and it 's been a nightmare with threats to come to my home move me out if I did n't get my payment in and will sue me, next thing i know I had thousands of dollars added to my mortage. Threats at my boys : they Told my boys " they are losing there home need find place to move, contacted my mom asking her to come up w/money or ill lose my home /contacted my X - mother law hitting her up for money. Now I been trying for loan mofication for a year greentree would deny mofication because they did n't reviewed required documents. I sent in what I was suppose to over and over again. I have contacted my state attorney general 3 times they are NO help!!! 
Greentree sold my home behind my back when they said I was finally approved for deferral, next thing I get was a letter telling me to vacate home. I have my son and grandson ( XXXX ) living with me I have been verbally abused threaten and put under extreme pressure ( XXXX, missing work XXXX ) from years of abuse from greentree.I have worked all my life, I had XXXX good jobs, but with 20 years of declining work force ( which I did n't create ) I fall behind on mortage. Greentree lie and deceived me and should be shut down. Now I have to scrap up money to get a lawyer to help me stop the sheriff serving me papers to vacate. Greentree has billed me XXXX for attorney fees court ect. I was only XXXX behind when I started mofication, now I owe them XXXX to stay in home. Can you please help? I have all documents from start to finish. 
Thank you XXXX XXXX XXXX
I applied for a refinance with cash out in XX/XX/XXXX. The rate was locked and the loan was to be underwritten by Carrington Mortgage. I paid {$450.00} for an appraisal which was performed in ( I believe ) XX/XX/XXXX. I was told we were near closing on at least XXXX different occasions and was asked to gather all of the final payoff documents. Each time, Carrington would come up with some strange documentation request and the closing would be postponed. Each time I was asked to provide additional documentation, I provided it right away. Again, I would be told we were near to closing/gather the documents/then be asked for some obscure documentation. This went on for months. I was told in mid-XX/XX/XXXX that we were ready to close. Once again, I gathered updates for all of the payoffs. This time I was told at the last minute that the appraisal had expired and I would have to get an updated appraisal. This time, Carrington agreed to pay for the appraisal since it was their fault that we had not yet closed the loan. The same appraiser came to my home and basically updated the same appraisal that was done previously. The next thing I know, Carrington is telling me that I have to " clear debris from the bathroom '' and " cover or fill the pool ''. Both of these items were personally discussed with the appraiser each time he was at the property. The appraisal also is marked " AS IS '' and that the value of the home is not contingent upon any upgrades or repairs. By this time, the representative that originated my loan had moved to another company. I decided, since nearly a year had passed and Carrington had STILL not closed my loan, that I would start a new application with the originator that had changed companies. This loan has moved along at lightning speed and we are nearing closing. The current loan company asked Carrington to send them the appraisal that was performed in XX/XX/XXXX. They, again, have been giving us the run around and holding up my loan. Today, I personally, emailed Carrington and was told that since I did not pay for the XXXX appraisal they would not release it to the new company. Bottom line ... Carrington Mortgage has given me the run around for over a year and I now believe they knew all along that I could not get an FHA loan with the credit score I had at the time. All I want is for them to release the appraisal to the loan company I am working with nowl
On XXXX/XXXX/2015, I submitted a complaint against XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. The case was opened due to an open case with the landlord. At this time I am in appeal process and no judgment has been filed on the case. There was a hearing on XXXX/XXXX/2015 but was reset for XXXX/XXXX/2015. Per court documentation a XXXX Oath was filed on XXXX/XXXX/2015. At this time I have not been evicted, and I am currently still in the rental property. I have submitted attachments of the Notice of Appeal, as well as XXXX Order of Trial documents for XXXX dates. Each document has been stamped by XXXX XXXX XXXX XXXX Office. Until this case has been resolved in front of the judge, the landlord can not place this information on my credit report. Please refer to Case # XXXX for documentation submitted to Consumer Financial Protection Bureau. I have also mailed proof of documentation to each credit bureau, as well as disputed online. 
Each negative reporting of the judgment that has not been granted to the landlord must be removed accordingly.
XX/XX/2018 I sent a debt validation letter, they were unable to validate my debt even after 45 days!!! Instead they sent me an attempt to collect debt.
When I leased my vehicle 3 years ago, GM financial was nice enough to be the lender for my new vehicle. About a week after taking the vehicle home, I received a packet in the mail and set up automatic debiting of my account. The payment was made the same day for the length of the lease. We turned in our vehicle the 3rd week of XXXX 2017 about 2 months early ( we leased a XXXX before our lease was over ), and we were notified that the lender would send us a bill for the remaining months. The lender sent us a notice via mail that we would be receiving an end-of-lease packet with the final bill. On XXXX XXXX 2 017 another debit was made from our account, which was fine as I 'd imagine they 'd deduct that payment from the final bill. In early XXXX, I received a notification from my credit monitoring saying there was a late payment to GM financial. This made no sense to me because we were on automatic debit. Upon calling GM financial, they indicated we were always about 28 days behind on payment, which I have no record of nor were we ever told that this was the case. As far as I 'm concerned there was never a late payment that ever took place. The down payment was to include first month 's lease, and we set up automatic debit only a week after taking the car home, making an late payment impossible. They also had the wrong phone number on file and never attempted to send us a letter to correct it. As it stands this late payment is hurting my credit and from what I can see was no fault whatsoever to my wife and I.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A Equifax : XXXX, N/A Equifax : XXXX, XXXX XXXX XXXX XXXX XXXX Equifax : XXXX, XXXX  : XXXX, XXXX  : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX Equifax : XXXX, XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX   : XXXX, XXXX XXXX. XXXX XXXX Equifax : XXXX, XXXX  : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX  : XXXX.