WillisBack/dataset-financial-user-claim huggingface dataset:
During XXXX XXXX, Midland Funding c/o Encore Capital sued me in court and received a default judgment against me. At the time of suit, I failed to respond as I was going through a tough time in life and felt helpless. Now moving to present time, I recently read that as of XXXX XXXX, Midland 's collection tactics have received extreme scrutiny from the CFPB based on their use of robo affidavits and the failure to appropriately and thoroughly validate alleged debts. It seems as though with the CPFB recent ruling and consent order, my case does meet several criteria indicating that the judgment should be vacated. Back to the past, prior to the issuance of the judgment I did request that Midland validate the debt which failed to do so in full and even made it seem as I was the one that had to provide the documentation. I continue to dispute the balance from Midland for the following reasons, the balance is inaccurate, statements in Midland 's affidavit were auto produced and without merit, and a lack of paper trail concerning ownership of the alleged debt has and continues to not be provided. Additionally, on or around XXXX XXXX, XXXX, I received a letter from Midland Funding 's local representation regarding a notice of settlement for the judgment. Included with the notice was an erroneous statement that stated " This communication is an attempt to a debt collect by a debt collector ''. What does that even mean? To me it just seems further attempts to violate consumer rights and either toe or outright step over FDCPA laws
On XX/XX/18 received letters in mail stating that bank account will be frozen and any property worth anything will be taken. This collection agency and court are demanding {$810.00} to be paid to court officer. At no place in letters state what exactly the original fee they claim I owe is for. XXXX is responsible for this along with XXXXXXXX XXXX XXXX XXXX.
I have been charged  with  XXXX  charge offs by   XXXX   XXXX   Credit cards for cards that were corporate cards. I attempted to work out terms with   XXXX   but they would not discuss any arrangements when the cards were first reported as in default in   XX/XX/XXXX . In  XX/XX/XXXX  Chase issued  XXXX  tax forms for the amounts of the   XXXX   cards and charged them off against my credit r eport. I paid the tax bill and was told that the charge off would not remain on my credit report after  XX/XX/XXXX , but it continues to be reported even to this day a year after the no notice  XXXX , and 8 years since the cards were reported in default.
I have been in dealings most recently with the Equifax Office of Executive Consumer Affairs, XXXX XXXX XXXX from XXXX XXXX - Today ( CURRENT AND ONGOING ). The extreme negligence being exhibited by her and her office as well as the Equifax Office of Consumer Affairs and their Fraud department violates so many laws of the FCRA. I have attached both a letter and a breakdown of all accounts that are currently wrongfully being reported on my credit file that I sent to them on XXXX XXXX, 2015. These wrongful acts range from either reinserting previously deleted information, their direct removal of accurately reporting accounts, and adding inaccurate personal information even though on a total of now ( 19 ) occasions they have been provided all necessary documentation to support my claims. XXXX XXXX XXXX is still actively working on my file and continues to wrongfully act on my behalf.
this is company is repoeting this debt on my credit this is the third collection company thats reporting. Also this is my second time writting the cfpb the last time i wrote you guys the debt was with another collection agency which agreed to remove the debt from my credit profile. They stop and removed it but now its with another company thats reporting again on my credit. The same original creditor which is XXXX but they just changed the amount. The first collection company reported {$860.00} NOW the new collection company is reporting {$890.00} I just want this removed for good.
I have a car loan through American credit acceptance for a XXXX XXXX XXXX  The vehicle was sold to me in XXXX for approximately {$10000.00}. The total payments I have made have exceeded that amount but because of the interest and fees caused by late payments the finance company still has my balance at close to {$6000.00}. On XXXX XXXX, XXXX I contacted ACA in regards to the condition of the vehicle. I advised at that time that the vehicle is barely in working condition and asked for my options. I was told about a settlement offer. The agent instructed me to take the vehicle to a mechanic and get an estimate for the needed repairs and to fax it in along with a settlement offer that I think the van is worth. The mechanic recommended getting rid of the vehicle as the repairs needed would be well into the 1,000s, would n't guarantee a fix, and would n't be worth it based on the XXXX XXXX value. Based on the mechanics estimate I offered {$750.00} which is the trade in value on that vehicle in excellent condition which this van is not. On XXXX XXXX, XXXX the company received my paperwork by fax. The agent I spoke with said the account is put on hold until the settlement is reached. My offer would be reviewed and either accepted and a letter will be sent stating that I have 30 days to pay or a counter offer will be sent and if I accept I have 30 days to pay. My account was not in repossession status at that time. While waiting on the decision from the company the condition of the van worsened making it unsafe to drive. On XXXX XXXX, XXXX the vehicle was repossessed from in front of my house. I contacted the finance company who admitted that the settlement process was not marked on their end as started and although they received my paperwork to start the process it was not started so the account was not put on hold so eventually it went into repossession status. The error was with someone in the company not completing the necessary steps to get the settlement started but when I spoke with them they put it on me for not calling back when I was told submit the paperwork and I would be contacted. Also they did not accept my offer but raised it to {$1000.00}. So when I said that was n't how the settlement was supposed to work, I was supposed to keep my van get the title and do with it what I pleased and now I have nothing and you still want me to agree to the settlement. I was told that 's the best they could do even though the van should n't have been repossessed. I want this van showed as being paid or settled and no repo on my credit because it should not have been repossessed when the account was on hold and I should n't have to pay the settlement offer if I 'm not getting my van back.
Hi, They continue to call after telling them to stop calling. Has sent dispute letters without response. The debt date continues to change, which is aganist the law. The debt should be no longer valid but the date continues to change. Very harassing!
Third party debt collector, calling for XXXX XXXX which is also another debt collector that purchased an old debt that the statute of limitiation has expired. I called them and told them to stop calling. The individual was very rude and argued with me that the debt was still good. Also stated that they would continue to contact and call me. The debt that XXXX purchased has been added as a derogatory debt on my credit report.
My employer deposited my payroll check via ACH to my checking account on XXXX/XXXX/XXXX for XXXX which would have given me an available balance of XXXX. I received a text telling me of the deposit on XXXX/XXXX/XXXX. I had a check for my rent to go through on XXXX/XXXX/XXXX for XXXX. I received another text alert on XXXX/XXXX/XXXX saying that the check cleared my account. Then I woke up to a text around midnight telling me that an overdraft fee posted to my account. I went into the branch the next morning on XXXX/XXXX/XXXX and talked to a rep who said the check was returned and I received an insufficient funds fee because when the check went through it took me negative XXXX. I asked him why and explained the deposit that I was alerted about, showed him the text messages and he basically told me that the text banking and mobile alerts are unreliable and that I should have looked at online banking to get my available balance. The text alert I received was not good enough because it did n't say my available balance and the only thing it was saying was my employer initiated a deposit. Basically telling me of the back office work. He said they have a 3 day window to post the ACH deposit to my account and they did it in 1 day. Then he said it could take them XXXX to 10 day to post ACH items and that was in the disclosures I received when I opened my account ( years ago ). He printed out my account activity but it had different dates that didnt go with the text and email alerts I received. He said he had to talk to his XXXX who wasnt there about refunding the fee. I asked was there someone else to talk to about this and he said the branch XXXX isnt there on the weekend and then gave me their cards and pointed out the customer service number and told me they can point me in the right direction or explain it better. He told me that had I deposited cash into an ATM it would be available immediately and I told him that 's not true and this had happen to me before but he did n't seem to believe anything I said according to the smirk on his face.
My friend transfers fund to me according to my mobile number and I got a text from BOA saying that my account will be credited. However, I actually did not get the fund. The BOA said that the fund was transferred to the person who had this phone number before me because the phone number is bounded with his/her account, not mine. The BOA has tried to contact the person who received the fund, but got no response. The only solution BOA provided is to suggest me to call a lawyer to sue that person who received the money. XXXX reasons that I wan na make a complaints to BOA : ( 1 ) My friend is required to input the phone number and the recipient 's name ( My name ), but the fund actually went into a person with different name. The BOA did not match all the information. ( 2 ) I got the text from BOA saying that " xxx sent you xxx. Your account will be credited ''. " Your '' here should refer to the person who currently have this phone number, who should be me.
360 Mortgage has made several billing errors regarding my loan XXXX. The mortgage company is reporting various amounts due in the past 5 months. The company has violated the Fair Billing Act and Fair Credit Reporting Act. The company has added default cost of {$390.00} and " Other Charges and Fees of {$120.00} ''. The company denied me a refinance under the VA refinance loan program or the ability to modify my loan after I submitted multiple applications and request after having a financial hardship and the death of my mother in XX/XX/2016 of XXXX. The after speaking with me initially about my hardship the representative XXXX, who would initially ask me to submit an application ; which I did and she would in turn state I had 15 days to complete and return it with supporting documents such as bank statements. This happened 3 times ; which put my account further behind. XXXX and her Manager XXXX She then requested on the XXXX day into the process to circle all debits and withdrawals that went towards my mortgage and expenses. This information was seen in the monthly statement as debit or withdrawal. This was a tactic that was unethical, racist, and deceptive to compound cost to have my account in a default state to obtain monies in a deceptive manner. The company has violated the Fair Housing Act by imposing overly restrictive rules because I have children and am XXXX. Since I am a veteran I contacted my VA loan representative which monitors my loan XXXX. The company has stated my funds were being held in escrow to pay for insurance and taxes. The company refused to allow me to independently pay my taxes and insurance. Which is now not fully paid as agreed on the Mortgage Note in my Loan Contract and my Insurance was paid before my annual taxes which should have been paid monthly due to my insurance service contract. The company sent me an agreement ( payment arrangement ) for my loan and stated my loan could not be modified and brought current even though I was 4 months behind at the time. The company has charged me " Default Related Charges and Other Charges and Fees '' even though this payment plan included all other fees.
Experian has sent a refusal to investigate my credit file claiming id information that they received from me was not legible.This claim is absolutely ridiculous ( PLEASE SEE ENCLOSED DOCS ) XXXX and XXXX have started investigations based on the exact same request and ID information. Additionally, Experians delays add up to more than XXXX days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
I have attempted to contact my servicing company 3 times with respect to a canceled auto debit that caused me to need to pay a {$10.00} fee to avoid a late charge. I suspect CMC Funding ( XXXX, XXXX ) has done this to many others as well. Below is the text of the message I have sent them without response. In addition to the problem described below, they collect escrow to pay property tax and insurance. I am now 6 months into them servicing my loan and my county ( XXXX, OH ) still has the old servicer as the tax mailing address. This means that my tax bill never get to this servicer and I will need to come out of pocket to pay property tax and the servicer will just continue to accrue my escrow payments. I informed CMC funding that the tax mailing address was still wrong several months ago and no correction has been made. Interestingly, they have a " consumer advocate '' whose website is not functional ( when clicking on links I get an Error XXXX ). Please intervene to correct the issues described. I would like the {$10.00} late fee applied to my principal balance, my entire escrow balance applied to my principal, canceling of further escrow payments without penalty ( I will manage my own property tax and insurance payments since this servicer is incapable of doing so ), and the extra payment I made in XX/XX/XXXX should also be wholly applied to principal as well. Thank you. 
Begin message sent to CMC 3 times to date : My autodraft originally scheduled for XXXX XXXX was canceled without my consent after I modified the autodraft to add some additional principal. The confirmation said this would take effect XXXX XXXX but gave no indication that the XXXX draft would be canceled. I had call with your customer service that confirmed no late fees would be assessed. I did n't realize the autodraft did n't post until XX/XX/XXXX at which time I scheduled a one time payment with a {$10.00} fee for the XXXX. During the process I inadvertently scheduled XXXX payments. Provided that the XX/XX/XXXX autodraft will draw as scheduled ( please DO NOT cancel this ), please re-cast the payment that posted XXXX XXXX to reflect the payment due XXXX XXXX ( as posted ) and credit the additional {$2600.00} paid on XXXX XXXX to principal instead of towards an early XX/XX/XXXX payment. Therefore my XXXX XXXX autodraft will make the XXXX XXXX payment. Please also refund the {$10.00} online payment fee and credit that towards my principal as well. Thank you.
On XX/XX/2019 I received two major inquiries in my credit file from Bmw Financial Services and XXXXXXXX XXXX. I never authorized or approved to them to check my credit file. I currently have a joint account were I am a co-debtor. The main debtor of the account was checking to open a new loan and removing me from the transaction, but, for some reason the car dealer and financial institution check my credit file when I have nothing to do with the transaction. 

I never authorized anybody neither verbally nor written to make the credit inquiry. Both inquiries has impacted heavily my credit score and I am very worry of this.
I received an American Express prepaid gift card in the amount of {$50.00} in an unopened and fully sealed package about 2 weeks ago. Today, I opened the package and tried to use the gift card for a purchase only to find that the card contained no balance. I called American Express to tell them about the fraudulent activity and they refused to do anything about it. They said the funds were used and card swiped at the time of the fraudulent purchases. I advised them I had possession of the gift card in its sealed package the whole time, but they still refused to address the problem. They said they treat the cards like cash, but if it were cash, I would have it in hand since it was in my possession the entire time. This is unacceptable for American Express to sell gift cards which are prone to fraud and leave the consumer who had possession of the card the whole time with no alternatives to get their money. On the packaging they even state " Funds replaced if lost or stolen ''. In this case, the funds were stolen and they refused to replace the funds.
I received a bill for collection with XXXX amount, and when I made contact with the collection company the amount had changed to a totally different amount, {$6700.00} to {$8200.00}, I 'm on XXXX and want to pay this bill off and this company is taking advantage of my situation, I also received a letter from the social security stating that starting on XXXX 2016, my XXXX would be garnished at the rate of 15 % until the balance is paid and tax return would be garnished by said company, this company is out of control and I need a resolution, I called my credit card company and they no longer have my file and can not access it, the lady informed that I need to follow up with XXXX party collection company and the lady stated she could not find any payments made to my account, and any payments made prior would not show on their side, so who is responsible, I realized I owe the balance but there is no reason for this company to take advantage
I log into XXXX selected an item to purchase and clicked on type of payment. I have a paypal account that is linked to my bank account. Generally I have a residual balance in my XXXX since I receive payments from family members. Evidently, I clicked on use your XXXX credit thinking it was my residual balance and the next thing I know I get a nasty letter from XXXX saying I have n't made a payment on my account. 
WELL ... ... I never opened a paypal CREDIT ACCOUNT. I have just a regular account that is linked to my bank. So in essence it 's the same as using a paper check but done electronically. This has the advantage of being much easier and secure on the internet. 
I call paypal and they took the amount due XXXX out of my paypal regular account forgave the {$25.00} late fee and closed the account. MY PROBLEM is this reflected in my credit score and history for opening an account I NEVER authorized having a late payment ( which I never have ) and closing an account. This problem is more common that you might think because of the way the " HOW DO YOU WANT TO PAY '' screen. 
I want these transaction removed from my history and XXXX to get their hands slapped.
XXXX and XXXX fraudulently report XXXX, Equifax, XXXX  and NYS Attorney General. XXXX, Equifax and XXXX  continue the fraud. Please refer to attachment.
They just keep hasling me when it was paid in full XX/XX/2016. I sent them all info to verify payment.
I purchased from XXXX XXXX credit card and purchase was shipped to the an address I have not been in for over 10 years I attempted to reach out and work with every one XXXX called to say XXXX policy was they offer gift cards instead of refunds we are going into end of XXXX I have no gift card and the only resolution I wanted was a refund back to my credit card and late fees refunded. 

I know all other credit cards refund in this instance this is unethical business practices when the consumer doesnt want a gift card but forces it on them I want full refund nothing else will do I have taken that extra step to talk to people and work with people on this matter I want what is rightfully mine to have
I have written to you before about Paypal 's deliberate withholding funds generated by XXXX sales, claiming assurances to provide to buyers and securities if postal services fail. YOU HAD FAILED TO RESOLVE THE PREVIOUS PROBLEMS AND CLOSED THE CASE WITH A {$2500.00} FINE WHJICH PAYPAL HAD NEVER PAID!!!! 
Now they claim another reason of holding my funds eventhough buyer had received the purchased items, and the postal service succeeded to deliver the goods. 
THE NEGLIGENCE OF PREVIOUS FEDERAL EMPLOYEE DID NOT RESOLVE THE PREVIOUSLY STATED PROBLEM AND THIS COMPANY LOUGHING BEHIND AN INCOMPETENT, USELESS FEDERAL PROCESS!! 
Behind this second complaint, I am turning to my senators for assistance and scrutiny of the previous employee and this organization! 

XXXX XXXX
My card was charged with something i did not purchase. I contact the credit card company and they said they were looking into it. In the mean time don't do anything. After a couple of months of this happening several times the issued was resolved but the credit card was reported as late payment for 120 days. I tried to have it fixed with the credit card company to remove that late payment but no response from them.
Complaint : I did not receive my XXXX XXXX Miles bonus promotion for my new Citi Platinum Select Master Card : XXXX XXXX 2015 I received an e-mail invitation from XXXX XXXX to apply for the new promotion which after making purchases of {$3000.00} within the first 3 months I would receive XXXX Bonus XXXX miles. On XXXX XXXX, 2015, I applied online and was approved for the new card. In a few days I received the new card. Within the 3 required months, I 've made more than {$3000.00} in purchases and made timely payments and to my surprise I did not receive the XXXX XXXX miles. I contacted Citi Card and after an investigation I received a letter explaining that because, " you either opened or closed another XXXX XXXX account within the past 18 months. ", they were unable to apply the XXXX miles. 
If I had a previous Citi Card ( turns out I did - I closed a credit card 15 months ago ), I should have been informed when I applied that I would not be eligible for the XXXX promotion, and not to issue a new card apparently hoping it will go unnoticed by me. I consider this intentional and underhanded business practice by Citi Card. Last week, I spoke to someone on the " CEO Citi Card Team '' and she said it should have been stated in the Welcome letter that I was not eligible. I explained that It was not and they have not issued the XXXX miles. I noticed in today 's news that CFPB has issued a penalty against Citi Card Bank and I agree that are guilty of " deceptive business marketing ''. 

P.S. I was not ware of any " XXXX Month Rule ''.