WillisBack/dataset-financial-user-claim huggingface dataset:
Midland Management sued me after the statue of limitations had run out on a credit card account that was time-barred. The card still appears as an open account on my credit report which I recently ordered. Midland Credit Management XXXX claimed that they bought the credit card account from XXXX and that makes the card a personal account now, and thus, it is no longer an open account. I have never seen anywhere in all the research that I have done that an open account becomes a personal account after it is sold. In XXXX, the statue of limitations is three years on an open account and fifteen years on a personal account. If they can claim this as their defense then how is the statue of limitations protecting consumers if rules/laws can be changed to benefit these companies that buy these accounts on XXXX cents to the dollar and then add other charges? I would be interested in knowing if this is true in other states or only in XXXX? This is hurting many working families in XXXX and I feel that it is causing more damage than the XXXX debt we are facing because these are individual families. Removing the statues of limitations as a defense against these giant corporation leaves the consumer at the mercy of these heartless and immoral company.
American Express has switched " Application approval Process '' on me twice within a year the XXXX was with the XXXX Amex Card from XXXX XXXX, I applied for the " Business '' Revolving Card Since I opened the " Business Executive Membership '' and instead they sent me a Personal Card Revolving Card and not the Business Card, I called them numerous times but they refused and told me they were sorry but could not change it. Then months later I applied for a Business Revolving Credit Card and again I ended up with a Business GOLD Charge Card and NOT the Revolving Card, I called explained and reminded them that I was a " NON-Profit '' Small Business and again they refused to convert the card to a ( Blue Card or a Card for Small Non for Profit Org Revolving Card that carries a Balance Overtime which would have enabled me to make monthly payments. ) Since XXXX XXXX American Express deliberately locked me out of my accounts online preventing me from visually seeing charges made on my account ( s ) and or disabling me from disputing charges and therefore I was unable to make payments, I 've called in numerous times to make complaints regarding this issue and I 've also made a complaint and requested that my accounts to be merged into XXXX revolving payment account as it should have been initially. 
American Express is intentionally causing their clients and consumers to default in payments and therefore charging Consumer 's Late Fees, and Canceling and closing out our accounts as a result their " Unethical Business Practices ''! 
This was reported and reflected on my Credit Rating as Late Payments and Therefore I was unable to be approved for a Balance Transfer with XXXX. 
I 've called them multiple times and they refused to assist to resolve any issues. They will however call you XXXX in the Mornings before XXXX and XXXX XXXX and will call you late at XXXX between XXXX and XXXX XXXX! to ask you for payment arrangements! 
I 've also called in my payments or scheduled payments in the past, but they also botched that up as well by debiting my account before they agreed payment date causing me to have over draft fees with my bank. So I no longer trusted American Express do that as well. 
They are making it hard to make the " Pay-Off Process '' very Hard! and I 'm also Disputing my Current Bill for the Gold Business Card amount {$1900.00} my spending limit was {$1500.00} Nothing has been charged to the account since XXXX XXXX. I 've returned a lot items and do not believe my account was properly credited. In XXXX XXXX I had a XXXX Balance! How did this account become so inflated! Every time I 've asked to speak to a Supervisor, i was always told sorry no one is available or they disconnect my call too.
XXXX XXXX XXXX XXXX.  This company spoke to someone else not myself.   I registered my account as a Fraud victim.    They pulled the followers information.   Consumer:  XXXX XXXXConsumer Address: XXXX XXXX XXXX, XXXX, CA XXXXSS#: XXXXInquiry Date: XX/XX/2018End User/Company:  XXXX  XXXX XXXX XXXX. #XXXX/XXXX XXXX Reseller:  XXXX XXXX XXXX   You can clearly see they pulled XXXX this IS NOT MY SOCIAL SECURITY NUMBER. However it linked the my social security number I have no affiliation with these guys nor do I want a loan from New York.   I ask they remove this from all three bureaus they pulled the wrong social and it linked them my credit account therefore This is not factual nor correct they refused to remove this fron my credit file.    They have 30 days that remove this or I'll take action with all the Bureaus and I'll advertise all over forums to warn people how they pulled a wrong social and yet linked it together my account.   I demand them to remove this report !     My social is not what they have done and on file
This complaint is about a series of 8-10 envelopes that were sent to me by DSRI, which you will find attached to this complaint. The envelopes with the exception of one of them contain bar codes ( which represent numbers ) and QR codes, this is a major violation of the law 15 U.S. Code 1692f ( 8 ) - Unfair practices. I tried to resolve this matter with DSRI, but no one has reached out to me to address the issue.
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15 U.S. Code 1692f - Unfair practices ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
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Please find the burden of proof attached.
1. Envelope violations with QR Code and Bar Code 2. Complaint And Demand Letter Both have been sent to DSRI, no response ...
3.   XXXX   v.   XXXX    Case Law Attached Please consider that if the following is happening to me it is happening to thousands of other just like me and I ask that the CFPB take this complaint seriously and even escalate this to the special investigations unit.
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I do not wish to dismiss this case and file a case in civil court and have to hire an attorney, which DSRI would end up paying for. I think we can manage to settle this matter before a class-wide resolution is needed.
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It is in the public 's best interest for the CFPB to investigate this matter as it will provide greater transparency into how debt collection agencies break the law and greater transparency into how DSRI conducts itself.
I am currently trying to purchase a house, the lender company ( XXXX ) pulled a hard pull on my credit report but they stated they could not pull my equifax or XXXX  score. I called both on XXXX XXXX and they stated there was no lock or freeze on them. I am in the XXXX XXXX  and equifax said they had to put NY as my state address because they can not use XXXX XXXX such as XXXX. This is becoming so frustrating because we are stuck and I need them to see my scores for all three.
There is a collection account on my credit profile that I have no knowledge of. I do not know who XXXX XXXX XXXX is or why they are trying to collect money from me. I do not have a signed contract with XXXX XXXX XXXX. I have never contacted them. They have never contacted me. I do not owe them. I do not know why this company is attempting to collect. This is adversely affecting my credit worthiness and I need XXXX XXXX XXXX to remove this immediately.
My mortgage servicing was sold to Green Tree/Ditech as of XXXX/XXXX/2015. I made my XXXX payment to my prior servicer XXXX XXXX XXXX by XXXX/XXXX/15, before the cutoff date of XXXX/XXXX/15 for the servicing transfer. My loan was transferred as of XXXX/XXXX/15 and when the loan was boarded, my escrow portion of my XXXX 2015 was missing. I contacted Green Tree on XXXX/XXXX/15 when I was making my XXXX 2015 payment and noticed they were showing me as delinquent. I put in a dispute on XXXX/XXXX/15 and as of today, 60 days later there has been no resolution to my dispute and Ditech is showing me as being late and have started to charge me late fees. I sent proof that I made my full payment for XXXX 2015 ( copy of my bank statement showing the full payment posting out of my account as well as a copy of the last statement I received from my last servicer, XXXX XXXX XXXX, showing that I paid the full XXXX 2015 payment and that my next payment was due for XXXX 2015. ) 60 days is far more than enough time for Ditech to verify I made my payment and bring my loan current. I have called XXXX times since XXXX/XXXX/15 and have not received any resolution from Ditech except a couple of letters after I called, saying they are still researching the dispute. Every time I call the representatives or supervisors ca n't give me any information except that they are still researching the issue. Ditech has also sent me multiple statements for the same month ( XXXX 2015 ), with different regular monthly payment amounts due and no explanation as to why the amounts have changed. I can see that the escrow portion is different, but there is no recent escrow analysis done on my account, I can see that information on the Ditech web page. My loan is not being serviced according to HUD, FHA or RESPA standards.
COMPLETE LACK OF COMMUNICATION FROM MORTGAGE COMPANYI 've had a hardship over the past year and a half, and had my salary cut by over {$XXXX}. Our house was in foreclosure and the redemption period ended XXXX 2015. After submitting all documents requested for mortgage assistance with OCWEN and receiving a letter ( XXXX/XXXX/2015 ) listing all our options with OCWEN, we started the process immediately for a short sale. We had a young couple make an offer on the home in late XXXX early XXXX they were excited and had a significant down payment. Our realtor XXXX XXXX from XXXX XXXX XXXX had us fill out the OCWEN short sale paperwork and he submitted it to OCWEN per their request. He had spoken to OCWEN rep, XXXX XXXX XXXX. XXXX spoke to her in early XX/XX/XXXX-she stated that she would get back to him in 2-4 days. That was the last time XXXX heard from her. XXXX tried emailing her at least XXXX times and calling her and leaving her messages a XXXX times. I also called her XXXX in XXXX and left her long messages-pleading with her to give us an answer one way or the other and that I had children and a wife and needed to know if we could sell the house or stay or should look for a rental home. No response. It 's very frustrating and sad that she could not even call us to let us know anything. I 'm disgusted by the entire process. We 've shut off the gas, electricity and moved out by the redemption date. Still, no response and the house is sitting cold and dark. OCWEN had an opportunity to sell the home and did Nothing. I 've plead with the OCWEN rep, XXXX, to no avail. We were also frauded by a foreclosure company and lawyer in XXXX MI. The MI Attorney Generals Office is conducting a criminal investigation. The lead Investigator is XXXX XXXX XXXX-Supervisor with the Mich A. G. 's office. I am beyond frustrated. 
PLEASE HELP!
Over a year, a company called XXXX XXXX XXXX , XXXX a loan consideration company reached out to me to help me with my student 's loan. As the process took place information was exchanged, and I wanted to reach back from them to see if I was approved. I never heard back from them. A few weeks later I heard from a different company called Equitable Acceptance Corporation ( XXXX ) reached out to me in regarding telling me that they were the ones who processed the consolidation and payment will start up in XX/XX/XXXX. 
I was afraid that XXXX XXXX XXXX , XXXX might have sold my information to this company. I asked them to provide a phone number for XXXX XXXX XXXX since I have had a hard time reaching them two days after speaking to them. The number Equitable Acceptance offered was a nonworking number. I also told them that I did n't reconsolidation with them and was still waiting to hear back from XXXX XXXX about my application. I told them that I spoke with XXXX XXXX and I did n't know why a different company was reaching out to me for future payment. For a service that I did n't yet agree to pay for yet. I did n't sign my name to anything so, why would I provide a phone to a person over the phone that I had never hear of. 
Ever since Equitable Acceptance got my phone number, they have been harassing by phone and email. They also stated that they had emailed me notifications for payment as well. I ask them many times to stop calling me. Each time they called me they asked for a credit payment. And each time I tell them that I will not pay them for something that I can do myself by going online through the department of education. 
I have reported them to the BBB and other government entities. 
I have been trying for over a year to reach XXXX XXXX XXXX , XXXX, the company I originally dealt with, and I have had no luck. Each phone number I have tried I get an error message, or fax sound come from the other end. 
Begin of XX/XX/XXXX I got in contact with Equitable Acceptances about the contract I signed and as I read the document place that should have been signed or name should have written on was done by someone else. Because the signatures/printing does n't match my own. 
I am at a loss, I contacted a lawyer about this situation, and I am frustrated and at a loss and I do n't know what do. 
Any help I can receive would be greatly appreciated. 
Thank you,
Once again Capital One is trying to run circles around me by admitting they debited my account of {$630.00} because they issued me a check for {$630.00}. I assume they want me to just give up on my {$630.00}, but I can not do that. Right is right, and they are wrong. How in the heck can they say they are justified in sending me a refund of my own money {$630.00} and then turn around and charge me that same {$630.00} again? It is even clearly spelled out in their letter to me dated XX/XX/2018. They admit that they sent me {$630.00} ( which I did cash ), and then turned around and charged me {$630.00}. In my second grade math class I learned that {$630.00} minus {$630.00} is {$0.00}. That means I am still out {$630.00}. They returned my money and then promptly turned around and charged me that same amount. Unbelievable.
We send XXXX to a fraudulent account belong to wells fargo customer on XX/XX/XXXX. Wells fargo is not willing to give back the funds after my bank set up a request by ( recalling the money ) the same day on XX/XX/XXXX. Wells fargo wanted give my bank full responsability for the finds and my bank said they didn't did the mistake and now both banks are in dispute on who should take full responsability for those funds. I have serve wells fargo on XX/XX/XXXX waiting on respond.
This company bought by loan a month after I purchased my loan, they are not honoring the terms of the previous loan by charging to pay {$12.00} by automated phone call, or making an additional charge of making a payment after 5 days, 10 up to 15 days a specified amount. My previous terms, free over the phone, late after 15 days past due date. This company you must pay on line in order for it to be free. The web site is continuously down, the wait time is awful, today I waited on numerous occasions, recieved 5 passwords that wouldn't work, my old password wouldn't work, I'm just trying to make a payment before the 5 that of the month. I haven't had paperchecks in over 15 years so I can not mail.Frustrated with the business operating practices.
I have told them to not contact me through phone, mail, or email, and I have continued to receive communication through phone while I am at work constantly.
CITI card services continues to call and leave messages at my place of employment. I do not and have never held a CITI card personally of for my company. I tried calling for over a week with no response, then on XXXX/XXXX/2016 I was hung up on by a XXXX, XXXX, XXXX and the escalation department with no assistance. This is either a scam or they have violated my rights. My employees think that I have unpaid bills, my credit XXXX be in jeopardy based in incorrect information. 

XXXX XXXX XXXX XXXXXXXXXXXX
While paying for a purchase from a convenience store using my chip-imbedded debit card, the card was stolen from the chip reader and the thief quickly exited the building. The timing was well planned since I heard no alarm to indicate the processing was complete. I did not notice it was missing, thinking perhaps I automatically replaced it in my wallet. The next morning I had an alert that I was overdrawn and immediately notified the bank to put a hold on the account. The bank initially replaced the funds to me, but subsequently re-claimed the amounts ( + OD fees ), saying, in effect, that their system was infallible.
While on hold with XXXX XXXX reservations, I heard a Chase credit card offer for a card that would XXXX XXXX XXXX Mileage Plus points if {$3000.00} were purchased in the XXXX 3 months. The number to call : XXXX called that number, and was told no, the card provided XXXX miles if {$1000.00} were purchased in the XXXX 3 months ( still a good offer, I do admit ). When I asked about the discrepancy, I was eventually given a supervisor named " XXXX. '' XXXX told me to call a different number : XXXX. It turns out that number does not exist.
There were XXXX fraudulent charges placed on my XX/XX/XXXX card. My card had a zero balance for almost a year so I was n't aware of these charges, or the following late fees place on my account because of them. The email address tied to my card was old, and the credit card company ( XXXX ) did n't mail me a statement. XXXX XXXX has agreed to remove XXXX of the late fees but not all of them due to a {$39.00} membership fee that was applied to my account. Now my credit report is showing a XXXX score when I had over XXXX originally. I found out about the charges while going through a refi on my home and my mortgage lender saw it on my credit report. He advised me to reach out to you for help. I keep up with all of my other cards and debts in a timely manner.
On XX/XX/2018 I bought a mattress for {$600.00} from XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX XXXX, NY XXXX  ). It was sold by XXXX and her Manager XXXX.

I was offered to have the mattress financed over 12 months at 0 % interest, which I accepted. I was not given more details and was led to believe I was just enrolling in the financing.

Today, XX/XX/XXXX, I opened mail, and received a credit card I NEVER APPLIED FOR. The issuing bank is XXXX XXXX ( XXXX XXXX XXXX XXXX, FL XXXX ) ( XXXX ). I called the bank to inform them that I never signed up the credit card and to ask which other products they had issued under my name without my permission. They are unable to tell me how many products I have.

When I asked why the issued me a credit card, they said it was XXXX XXXX XXXX fault for not informing me of the deal terms. I then asked to have proof of my signature allowing the issuing bank to create a credit card for me. They placed me on hold and said they will mail it to me within 40 days. 40 days. 40.

I am trying to avoid this affect my credit score and to have it canceled. I would also like to know how many products they issued under my name.
The collection company EOS has failed to Validate debt said owed for client  XXXX   XXXX    XXXX    after several attempts sent to request proper validation. Attached you will find a letter from  XXXX   XXXX  a representative from  XXXX   XXXX  the balance is in the process of being reduced to  XXXX  dated on  XXXX / XXXX / 15 . This balance has been fully paid for by The Department Of Education. I do not have any contract or agreement with EOS or  XXXX   XXXX   XXXX .     The collection company  EOS  will not stop pursing me for a debt not owed.     I recently received a letter from your firm regarding an old debt from. Under the FDCPA, I have the right to request validation of the debt you say I owe you.     Under the Fair Debt Collection Practices Act, I have the right to request that you cease communication with me, and I would like to exercise that right. Please stop all contact with me, except to let me know that this matter is now closed.     Your immediate attention to this matter is appreciated
I was sent a collection notice by XXXX XXXX XXXX for creditor XXXX on XX/XX/XXXX. XXXX showed a debt of {$570.00}. This charge was for final payment on XXXX account for services, plus an additional amount of {$200.00} for the phone and {$27.00} for a lease charge cancel fee. On XX/XX/XXXX, I went to the XXXX store located at XXXX XXXX XXXX XXXX in XXXX, Nevada. I was assisted by XXXX XXXX, a XXXX employee. I returned the phone at that time. XXXX XXXX accepted the phone and reduced the bill in the amount of {$220.00}. I paid the remainder of the bill {$340.00} and was assured that my account was settled. On XX/XX/XXXX, I received a collection notice from Receivables Performance Management , LLC, ( RPM ) on behalf of XXXX, in the amount of {$200.00}. Prior to this action, I had received no notice of intent, no revised billing and no other acknowledgement or communication from XXXX that any amount was still owed prior to the collection notice. On XX/XX/XXXX, I contacted XXXX via telephone. I was advised that I needed to provide either a PIN or give the name of my elementary school for personal identification. I gave the name of my school, as I had not set a PIN. I was advised that the school name I gave was incorrect. I only went to ONE elementary school, and I remember the name clearly. I was not given any information as I could not " prove '' who I was, even though I provided all my details including account number. I was advised to go to a XXXX store and provide 2 forms of ID. XXXX area XXXX stores average a 1 to 2 hour wait. I have advised RPM that I 'm disputing this debt. However, this collection will destroy my credit, with a home purchase planned in less than 2 months. I 'm asking for any and all assistance in resolving this issue. Thank you.
I was selling a prom dress for {$300.00} and the customer sent a check from PNC Bank in Kentucky for more than the asked amount ( {$1600.00} ) .I then asked, why did they send more than the asked amount, they told me to deposit the check and withdraw the money soon after. They also told me to send the remaining amount to the shipping agent.