WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I pulled a copy of my credit report and discovered that Midland funding was showing that I owed them {$840.00} after investigating my reports I found that they were a collection company and that they alleged I had a dept. with XXXX XXXX. 

I sent Midland Funding several letters asking for them to send me verification of this debt such as a contract I signed with Midland funding or any other documentation bearing my signature, Showing that I owed any debt. 

I sent them a letter dated XX/XX/XXXX, they signed for it on XX/XX/XXXX, They did send response to my letter with a letter telling me that the information was correct. they sent me a print out of a computer generated bill. ( I have attached all correspondence this complaint to the complaint. ) I sent them letter # 2 onXX/XX/XXXX They signed for it on XX/XX/XXXX, again they just sent me a response that just says that they confirmed the information is correct. and no proof of the debt or that I would owe midland funding anything. 
I sent letter # 3 dated on XX/XX/XXXX It was signed for on XX/XX/XXXX - They never sent a response back, they have ignored all my request for verification. 

Furthermore they failed to mark my Credit Reports as being Disputed within the 30 days from when they signed for the first letter I sent. They have never marked any of my credit reports as being disputed. I, in-fact contacted the credit bureaus and had them add a dispute statement to Midland Funding.
I have also been getting contacted by people in my area that Midland Funding is calling them  looking for me. One of them is my Niece who was quite confused because they told her a last name that I never had, they gave her an address she lives at that I have never lived at and told her how much the debt was and accused her of lying and told her they knew she was me on the phone, they threatened her and told her they were going to take her to court and sue her. They had her very scared, so she contacted me, she also stated that they have been calling her number several times a day. 
This account is not mine, I contacted the Original Alleged Creditor via the information that Midland funding provided and they stated that I DO NOT OWE them anything. I DO NOT have any contract with Midland Funding and Midland funding has not been able to provide any " Verification '' that I even ever owed this debt nor that I owe Midland funding anything.
I Would like this problem to be taken care of. I feel that I have done everything I can by sending Midland funding request for verification and I feel like they have had more than enough time to comply. They have violated several laws. This is not my debt and they have failed to provide any proof of the debt, I do not have any contract with them where I own them any money, They are reporting on my credit reports and they are calling and threatening people who are not involved in any of this.
Consumer Financial Protection Bureau To whom it may concern, I started this dispute with all XXXX credit bureaus TransUnion, XXXX, and XXXX on XXXX XXXX t 2016. I done so via : calling, faxing, and mailing in my original disputes. I received a responses from all XXXX credit bureaus, stating that my disputes were resolved. However, something has went terribly wrong, in a matter of days I have had to open all disputes and they have dropped my credit score over XXXX of points. Due to the inaccurate reporting I have lost the ability to obtain my business loan and my down payment for my business. Every time I have contacted them they open another dispute for another 30 days. I do not have another 30 days from never. I have also contacted the companies that they claim have these things and other inaccurate reports on my credit and the companies do n't even have the paperwork to substantiate their claim this is further cause me to stress and I would like for them to cease and desist any further derogatory activity on my credit I am including all the documentation that I can find VA email and any other little disputes also a copy of my credit scores last week my current score is now a copy of my student loans and their current and when they 're due and anything else that I could find that could include of a along with the original documentation this process has been most stressful
Hello I 'm a current card holder of a rush card, as I 'm sure you know they have been having issues. I have money missing in the amount of {$480.00}. I tried to contact them but am now being told my account does not exist even though I can access it online? I 'm not sure what the next step is to resolve this & get my money back. I do have documents to prove this as well.
I fell behind on my payments because I lost my job and did not have an income until XX/XX/XXXX. I attempted to modify my loan on several occasion with my lender and was never approved. I applied for a modification XX/XX/XXXX and continued to provide all of the documentation needed to complete my review.. On XX/XX/XXXX after having emailed my representative all of the documentation needed to compete the loss mitigation packet, I was advised that the lender would escalate my request to postpone the sale of the property scheduled for XX/XX/XXXX. On the following day, XX/XX/XXXX, I called the lender and again confirmed that the supervisor had requested a postponement of the foreclosure sale. On XX/XX/XXXX, and XX/XX/XXXX I called the lender and again was assured that the foreclosure sale would be postponed. Please note that, I had consulted an attorney and if the lender had told me that a postponement was not going to be approved, I would have filed for protection under the bankruptcy laws. On XX/XX/XXXX, I called the lender and they advised me that no postponement had been submitted, and that the property was sold at foreclosure sale. I have confirmed with the trustee that no request was ever submitted to him to postpone the sale by the lender even though they had over 7 days to process the sale. The trustee advised that he utilizes the XXXX system with the lender, and that a postponement would have taken no more than 10 minutes to submit to his office. I request that my loan be reopened and that I be allowed to modify my loan to enable me to keep my home. The lender lied to me in order to avoid that I filed for protection under the bankruptcy court.
Capital one changed my due date twice apparently because I changed addresses which makes no sense because my physical location has no bearing on me making payments. They did it once when I updated my address from my brothers house in California to an apartment XXXX miles away and again when I moved XXXX miles to a new apartment in California. Funny part is my date did not change when I updated it to reflect my move from Maryland to California. It was changed from the XXXX of the month to the XXXX in XXXX of XXXX and it then changed again to the XXXX of the month in XXXX XXXX. 

So why change it when I moved within a state less than XXXX miles from location to location yet when I changed states it was not changed. 

Capital one sends me an email if you pay your bill why not send you a notice to ensure you know that your payment date has changed. Also capital one has removed their online messaging system making it so that you have to take time out of your day to call them instead of being able to send a quick secure online message through their system.
I actually signed up for overdraft protection with BOA ; which to my understandiing meant that if you overdraft your account ; that you would be protected an the transaction would be paid. So on XXXX 2015 my credit card payment was deducted in the amount of XXXX. Which was fine ; because I assumed that the transaction would be paid ; and that I would have time to place my funds in my account by the XXXX of this month. However once again with BOA they never live up to what they present or state I really ca n't afford for this payment to be returned. I am fine with the overdraft fee that has occured ; because I had that all planned out to be repaid. I sware at this point I am so over BOA right now. The payment that should not have been paid prior to this one ; was and I had to file a claim, Now this payment I really didnt expect it not to. Help!! As BOA of america bites.
I have a mortgage with Statebridge Company ( NMLS ID # XXXX ). It is for a small condo in Florida where I live. The loan was originated by XXXX back in XX/XX/2003. My principle and interest payments are {$430.00} per month. Until last year, my escrow payments were about {$60.00} a month for taxes only. Since the property is a condo, the property insurance comes out of my HOA fees. Last year, Statebridge required I show them that I already have property insurance even though Florida Condo laws requires the HOA cover the structures. When I didn't provide proof fast enough, they forced insured me. Once they accepted my insurance certificate, they reimbursed my account. However, they haven't adjusted my escrow payment of {$280.00}. Their projection of my property taxes is {$64.00} which means they are collecting {$210.00} more than what is needed. 

I have tried to get them to adjust the amount but they won't respond. They also won't count my payments unless the entire amount including the escrow overpayment is included.
Family members have been receiving calls from Thomas King and Associates. They have asked if they know my wife and need help with verification of information on a application that was submitted. I am not sure how they were able to connect the dots or have my families cell phone numbers.
I have submitted 4 disputes trying to get information from XXXX XXXX XXXX off the credit report. I have most recently ( XX/XX/XXXX ) provided a letter from the company. This has NOT been removed. Each company has been pointing to the other company as for who is responsible for this not being removed. I have spoken with managers including XXXX with Equifax and XXXX from XXXX XXXX XXXX. XXXX stated they ( XXXX ) need to electronically delete the information from their side and XXXX stated they have requested a manual deletion since XX/XX/XXXX and have no control over if Equifax actually deletes it or what timeline they move. Even after submitting the letter XXXX from Equifax stated that the letter meant nothing if XXXX  did n't accept the letter as proof and voluntarily delete it. I believe XXXX  has done what they can do because its been deleted from my XXXX report and Equifax is the only one not deleted. However even after submitting a letter from XXXX to XXXX attached to the dispute onXX/XX/XXXX it was NOT updated. As of XX/XX/XXXX it is still reflecting that the account is paid with a {$0.00} balance. I have a mortgage loan hanging in the balance and neither company seems to care that time is of the essence.
To who it may be concerned, This collection/charge off is a result from a not-at-fault total loss to the vehicle. The remaining balance that was owed after the car was paid off by the insurance company was for the extended warranty ( document 3 ) ( that the finance company obviously cancelled after the total loss and wanted a refund for from the dealership ) which was supposed to be paid by the XXXX dealership to their financial service. They refused for months to pay it so thats why this account went into the negative. From no fault of my own. I complained and complained for months that they needed to take care of this because it was hurting my credit report. Finally after months of getting in contact with them they finally paid it off. So this account is settled, they received payment and have admitted on multiple occasions that this was in no wrong going of my own and they have said for years now they would take this off my credit report but it is still there. I dont understand why my credit report says " charged off '' when they got paid. Included are proof that the vehicle was in fact in a total loss, also included is proof that the amount owed on the car ( minus what I owed on my previous trade which was paid by GAP insurance ) was paid in full. Also included ( document 3 ) is a letter from the creditor to the dealership requesting a refund for the extended warranty ( which is the amount that got charged off ). So you can probably see my frustration as it looks very much like the dealership didnt want to pay it back to the creditor which is a division to their own company! Also included is the GAP insurance claim which paid off the balance owed after the settlement. Please help me resolve this issue I have been trying to get this resolved with XXXX XXXX XXXX XXXX for three years now with no luck. I have opened disputes with all three credit reporting agencys but nothing seems to be happening. Thank you for your time and any help you can give me. It is very appreciated. 

Thank you, XXXX XXXX
Ditech has held XXXX for 6 months and keeps telling me they mailed a check 30 to 45 days ago i call its a different story everyone i talk to, they mailed it has been lost, then they tell me they will wire transfer it then it got mailed, or lost in the mail .it was in there system till XX/XX/2018, i was told it was mailed on XX/XX/2018. i have called and called they do nothing but tell me it has been mailed or lost in the mail, they can send my statements for making payments but cant return my money they owe me, Account XXXX
Hello, my name is XXXX XXXX XXXX XXXX My mother is XXXX XXXX XXXX XXXX Case number : XXXX to assist further to show more details involved on XXXX/XXXX/2015 XXXX and currently of the depth my families IDENTITY THEFT CASE really is. At the time of my mothers unfortunate illegal arrest beginning on the night still in question, Wednesday, XXXX XXXX, XXXX, did not tend to care for anything else but myself, and my XXXX sisters. We missed our mom too much, time flew quickly. No one in our immediate family grew curious of the state our finances were in at that moment until while bills began to get paid for the following month which was XXXX, 2015 starting on XXXX/XXXX/2015 possibly around that time frame only because I understand to pay the rent by or before the XXXX, MY BANK ACCOUNT - CHECKING ANS SAVINGS I had both active and opened for my own personal needs to use with what ever my mother puts in the account for me. I ask for permission before I attempt to use/swipe debit card to purchase anything, only if my mom approves. While my mom was in jail, a woman named XXXX XXXX XXXX, was staying at our residence during the absence of my mother, XXXX XXXX. Not I or my mother gave any type of 'ok ' to use our personal and family funding. She was living their and was supposed to be a live-in Assistance due to my moms XXXX through XXXX XXXX XXXX XXXX an XXXX certified XXXX Employee. Breaking laws of many. Continuing to apply for Loans on-line willing to direct deposit, used my, XXXX XXXX 's banking information for collection of payment. After money deposits were in my Teen-Minor account, XXXX XXXX XXXX, Willingly and unlawfully committed IDENTITY THEFT to me as well as my mother. I was forced to close the checking and savings account shortly after. But it was too late for me and my family because of so much damage she has done and continue to create different types of accounts use our personal and private information for her personal gain. Help us Please with this investigation. My mom and sisters have been under so much stress since the date mentioned. Please call my personal phone : XXXX XXXX XXXX XXXX. I have much to provide to this department to further assist in stopping XXXX XXXX XXXX in IDENTITY THEFT.
I have contacted American Express several times to get my promised promotional apr applied to my account as agreed in the recorded call. After I spend money and charge items to my account, I get a billing statement showing the normal APR. I contacted Amex to see why the promo apr of 0 % for 12 months was not showing as it was effective XXXX/XXXX/15. The customer service rep said there are no such offers and told me I was mistaken. I escalated to a supervisor who told me the same thing. She offered me a rate of 18 % - however I declined and said no. I wanted the promotional offer as accepted. The supervisor changed my apr to 18 % without my consent. I escalated to the next level, who told me she would review the call and call me back in 48hrs. Her name was XXXX in XXXX XXXX, XXXX. She never called me back. I called and had to have someone else put a request in to review the call as she never did it. I made several calls back to Amex. I requested to speak to a US rep multiple times and was denied that request and was transferred back to foreign call centers and even the IVR. After 5 hours of phone calls my issue was halfway resolved. I faxed in a complaint XX/XX/XXXX and have never heard back. I also called back XXXX additional times to speak to a manager and was denied that request. I was informed I would receive a call back in 24-48hrs. The calls never came. 3 times I was promised a call back and a manager never called. I need to speak to a manager to help me resolve my concerns.
In XX/XX/XXXX, I sold my interest in a XXXX company, and divorced my husband who immediately moved back to XXXX. He and the other XXXX partners kept the company alive, while I bowed out of the picture completely. On XX/XX/XXXX, I received a letter from a collection agency stating I owe {$78000.00} on a line of credit they claimed I personally guaranteed. They are unable to locate this " supposed '' contract and are threatening to ruin my - quite frankly - perfect credit. All for a debt that is NOT mine.
XXXX XXXX card, XXXX, XXXX XXXX, XXXX XXXX, XXXX/ XXXX, XXXX/XXXX, XXXX/ XXXX, XXXX, XXXX, XXXX, XXXX card , XXXX  XXXX, XXXX XXXX , XXXX, XXXX, XXXX, XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX, these all hard inquiries that I do not approve. XXXX
This company is reporting this incorrect debt under two different company names using same address out of XXXX fl. XXXX XXXX and XXXX XXXX. They are also reporting the account is less than a year old under XXXX XXXX  and 3 years old under XXXX XXXX. The original account was with XXXX more than 15 yrs ago when XXXX  bought XXXX. The account has been closed more than 7yrs because of charges by XXXX that were incorrect which lead to the termination of relationship with XXXX.
Last XXXX 2015 XXXX of their staffers called me in representation of XXXX to settle a balance of {$150.00} that I had with XXXX for XXXX services. Nevertheless the evidence shows Credence Resource never paid XXXX that balance because XXXX kept sending me letters for no payment despite I submitted confirmation number of the payment I got from this debt collector. Recently I had to pay {$150.00} to XXXX to restore services. 
The amount paid to CR was {$73.00} on XXXX XXXX, 2015 and the confirmation number is XXXX. So that I ended up paying {$220.00}.
I received a debt collection letter stating I owe. on the bottom part of the letter is a notice to challenge the debt with validation within 30 days or else they will assume the debt valid. I sent a certified debt validation letter which was signed for, then a month later received the same debt letter with the same notice to challenge the validity, but with a different creditor.   how should I handle this? do I have to keep validating until i actually get the real validation so i can move forward?     the debt is time barred its o ver 10yrs attached are two jpegs of the letters received and my validation letter sent i can supply proof of certified letter with post office if needed
I had taken out a student from XX/XX/XXXX-XX/XX/XXXX. The due dates according to the contact is on XXXX/XXXX/XXXX. Around this time, the economy was bad and I was barely making a living. The XXXX XXXX association called me that year and told me about my loans being past due. I notified them that I could n't make any payments at the time. The XXXX XXXX association informed me that my interest rate would go up and I will be hit with fines and collections. There was nothing I could do about it, so I let it happen. Then XXXX XXXX XXXX XXXX XXXX representative ), sent the information to collections in XXXX XXXX, XXXX, called Credit World Services. Credit World Services called quite a few times in the past and I told them that I did n't have the funds to pay and to stop calling me. In XXXX, I had finished my bankruptcy and wanted to know if a new terms and conditions would be possible with the XXXX XXXX XXXX. So I contacted XXXX XXXX in XXXX, and she asked me if and when I can make a payment. I let her know that I can only afford {$75.00} and she said that is fine. I asked her about the late fees and interest being reduced and she said it does n't seem like it would be an issue on their end, but she will need to reach out to Credit World Services. Since she could n't call them, she decided to have me reach out to them. I contacted Credit World Services and spoke to a female representative. The representative from Credit World Services stated that he does n't know of any such arrangements and she was concerned about Credit World Services getting paid for their services. The representative told me she would have to contact me later until she heard something from the original account. Months pass and then on XXXX/XXXX/XXXX, I get a summons in the mail to appear in court. I was confused about the entire law suit because no one has decided to contact me back. I contacted XXXX XXXX on XXXX/XXXX/XXXX and she told me that she will have to do more research and get back to me. This seems very similar to our last conversation. 
As I am looking at the law, the statute of limitations has passed on the creditor suing me. It has been way more than 5 years, and it violated the FDCPA and FTC. KS Statue 60-520 XXXX payment or acknowledgment of liability. ( a ) Effect. In any case founded on contract, when any part of the principal or interest shall have been paid, or an acknowledgment of an existing liability, debt or claim, or any promise to pay the same, shall have been made, an action may be brought in such case within the period prescribed for the same, after such payment, acknowledgment or promise ; but such acknowledgment or promise must be in writing, signed by the party to be charged thereby. Also, Statue 60-511 states that a lawsuit must be within 5 years upon the agreement, contract, or promise in writing. 
The Credit World Services and XXXX XXXX XXXX are in violation of these acts and it should be investigated.
I had a car loan with Kia Motors Finance. My car was hit XXXX while the car was parked. My insurance company paid off the loan but paid more than the balance of the loan and Kia Motors Finance refuses to return the balance. Although this is a small amount, I believe this occurs to many many people and we have no other recourse. It is impossible to get a live person to speak to on the phone and the XXXX letters I have sent have resulted in no response.