WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXXXXXX XXXX, XXXXConsumer Financial Protection BureauRe : MIDLAND FUNDING LLCDear : INVESTIGATORThis letter is to complaint about a problem I am having with the collection company MIDLAND FUNDING LLC that I been trying to repair since XX/XX/XXXX. 
I am dissatisfied with their service because they damage and continue to damage my credit. I have already attempted to resolve this problem by contact them by phone and in written. I have enclosed copies of my records. Include copies of their collection letters and other relevant documents with Balance Discrepancy 's. Unfortunately, the problem remains unresolved. I am hereby requesting that you : please help me with this company to repair the item and clean my credit reportThank you for your anticipated assistance in resolving my problem. 
Please contact me at my E-mail : XXXXXXXXXXXX if you have any questions. 

Sincerely,
On XXXX XXXX, my new key bank express account balance became {$0.00} being withdrawn by bank. I opened this account to get {$200.00} promotional offer if t terms had been met. It says that to deposit 500 or more within the next 60 days to get XXXX. It turned out that it was misleading to begin with. Several bankers said that correct one would be it requires one time automatic payroll deposit of 500. In this case it is discriminatory to someone who get paid every week. it happened the same thing before. My account got abruptly cancelled without any explanation on XXXX this year after 1 week.Bank said i was not qualified for the account because i owed the money. But this is controversial. The bank did after 16 months of original date of the incident where it claimed to deposit to my account by accident for 3 months until the bank pulled all the money from my accounts when i thought the money was given as some type of settlement for the disputed unemployment insurance benefit. The money also got deposited the next day since i got a sudden phone call from banker asking me if i were interested in opening another account with just {$10.00} opening deposit. After money is withdrawn from the account that is not involved with its money deposit, it left about {$350.00} negative balance and accounts got closed by bank. It has been more than 16 months now. it suddenly freezed my accounts and withdrew money without my consent from the account that it said later i was not qualified for and closed the account again.
MY BANK OF AMERICA CREDIT CARD ( XXXX. XXXX XXXX, SHOWS ME 30 DAYS LATE IN XXXX XXXX. HOWEVER, IN MID XXXX XXXX I SUFFERED AN XXXX XXXX AND WAS IN ICU FOE 4 WEEKS, BUT TO THE BEST OF KNOWLEDGE I MAILED THE PAYMENT. I HAVE NEVER BEEN LATE ON ANY PAYMENT BEFORE OR AFTER. PLEASE ASSIST.
Got a call from  XXXX  from "  Simms associates '' claiming that my deceased grandmother owed  a debt. My grandmother has been deceased for over a year and have never had any issues like this before. I googled the phone number and read many other stories from people that this company is trying to collect debt from deceased people 's family members. Preying on innocent people.
Round or about XXXX XXXX, 2015 I had a XXXX. She was not able to return to work. I am is XXXX years old, however, I could not retire completely due to financial obligation. My XXXX caused me to go into complete retirement,. I can no longer walkout with aid. In XXXX 2015. I submitted an application for home modification, it was denied for lack of the XXXX being submitted timely. I submitted another application it was denied, due to lack of food assistance proof. However, I am sure the proof of assistance was faxed by another family member. Please can someone help in this matter.
I got a XXXX XXXX XXXX from car hop in XXXX. I thought I was getting a deal since my credit was excepted. The car ended up having major issues soon after and was dangerous to drive on the roads. I contacted car hop and expressed the concerns with the vehicle and they offered to have the car fixed through their " authorized mechanic. '' They said they had multiple issues with the car fixed but the car was no better when I got it back. I stayed persistent with them to get the problems fixed but they just gave me the run around and did n't do anything. My pregnant wife and I ended up getting in a wreck because of the cars instability. I fixed the damage to it. My wife and I went to a XXXX dealership and got a loan for a dependable vehicle. I returned the Explorer to the car hop dealer and gave them the keys. I was dealt a complete lemon and my credit is currently being haunted by this horrible ordeal. Is there anything I can do to make this go away or make sure it does n't happen to other people in the future?
The company refuses to enter the account into an active forecloser status and continues to purposely damage my credit. Selene Finance personnel informed me time and again that I fall under the SCRA. Two things, I never provided a contract or orders informing them of my relation to the military. Two I waived my rights to SCRA no less than three different times. I will attach supporting documents to support my claims. Attached : XX/XX/XXXX - Email requesting foreclosure ( memo with original deed-in-lue paperwork from XXXX XXXX XXXX ) XX/XX/XXXX - Email requesting foreclosure ( memo to lawyer ) XX/XX/XXXX - Email requesting foreclosure ( memo ) XX/XX/XXXX - Email requesting foreclosure ( memo ) XX/XX/XXXX - Returned Forms to waive SCRA via FAX. I believe Selene Finance is purposely losing documents and shuffling their feet. I am not sure to what end, but I 'm positive this is intentional.
Called Diversified adjustments Collections agency to set up payment agreement with them because i have someone helping me make payments they give me a offer of half off the amount or a payment agreement for 12 months. I ask for a e-mail with the pay off and the agreement he said yes and he needed his supervisor to sign off on it and he would call me back at XXXX. When he called me back he said he was still waiting and he would call me the next morning. He did not call so i called there and everybody was rude and disrespectful. Then after i called for 2 days in a roll i had someone who was going to just pay them the half off and they bumped the price up and said i never set up an agreement. All i am asking is if i could get a letter of agreements and or settlement. Now i might have to set up agreement cause offer was good for that day. I am XXXX and the housing i want to move to is wanting an agreement to pay this bill off before they will rent to me and Monday XXXX XXXX is the last day they will hold the apartment because they need the agreement or i lose the apartment. I really need and would like to take care of this but getting no where with them. Please help i do n't know what else to do.
XXXX   XXXX   XXXX  provided documentation to remove this account from my credit file   XXXX    refuses to remove the account.  XXXX  does not read the letters provided in order to correct the credit. If this error does not get removed from my credit file asap, i will file court proceedings against them. i have further attached the documentation.   it has been over 6months since the last filed complaint that was never cleared.
All verifiable info belongs to me ( name, address, phone # ) except for the SSN. I am a recent victim of ID Theft by someone using the SSN provided by the collection agency. The debts original date was 2002 from XXXX XXXX and has since been sold to various collections agencies.
Keep calling me repeatedly when I 'm at at and around XXXX. They said there is a problem with my account and they are represented some fitness company and there membership. I do n't have any memberships to any where.
NETSPEND WILL SLANDER YOUR NAME. They ca n't use the same verification process for everybody for whatever reason, and will allow ANYBODY to open an account under your identity without proof. They will then force you to claim ownership of anything made under your name, but due to discrimination, they will not allow you to gain access to information, submit fraud claims against problems, nor will they treat you with respect during customer service calls that you 'll have to place weekly for 7+ months before seeing ANY progress made. Do n't worry out of curiosity, even after all that, you 'll still leave with unsolved problems, Recently hired a lawyer to consult me through my problems with Identity theft and I 'm finally figuring out who was helping my name become compromised! Netspend has recently had to send multiple checks to me in order to refund MY money that was placed in their " bank '' with trust. It to over 7 months ( and weekly unsatisfactory phone calls ) to receive {$590.00} of my remaining balance after they decided that closing out accounts with money still in them, Lying MULTIPLE times of the whereabouts of MY money and treating me with utmost disrespect and condescending nature about fraudulent accounts opened under my name with no verification process would be easier than just doing what real banks do and VERIFYING IDENTITIES, I called to ask for information. Since I have been fighting Identity theft for quite some time now, I 've dealt with multiple companies, but Netspend was the first to know when I reported fraud before I even knew what was happening and yet, they seem too eager to hire inadequate employees who ca n't verify your information, but can allow an account to be opened without your knowledge, approval or authorization. They allowed FIVE accounts to be opened under variations of my name. Some of which, did n't even have an email address, but were pinned to my name and " verified '' with my STOLEN ssn. It 's crazy how little security goes into opening accounts, but they have all the security in the world to protect information used to commit fraud.
Was told accounts would be consolidate and interest would be frozen so I would just pay the principle. Mentioned one account was for when I was XXXX. They did not have records and I was not sent contract. Interest accrued:XXXX. Was told I could pay XXXX and then amount was changed to over XXXX. They lost my records and are missing 3 years of transcripts. Get everything in writing!!!
XXXX   XXXX ,  2015 {$6 70.00} Money and a whole lot of stuff was stolen from me at this address. Put my 30 day notice in and was on a month to month rental agreement. Charges are ridiculous as I went to   XXXX   XXXX   and repaired part of the same thing and was only  XXXX  dollars. The carpets were not changed out. As I have experienced putting in carpet before. They said the carpet would be put in, a lot more day 's and hours than needed. What, the company did or is trying to do. Is charge and fee me for the new carpet to be put in. For another tenant. I never got the new carpet put in when first moving in. As, I know this could and can be done in one hour. The company has put this, matter into collections and has damaged my  credit score and  credit scores. A free country my opinion, a slum lord.
i need to know all late fees were waived in 2017 tired of getting photocopies of answers previously submitted does nothing. I have unresolved issues left several messages for XXXX XXXX to get contact info name and number for her supervisor have received nothing. please address quickly and without red tape.
I am a recent XXXX from a XXXX at XXXX College, in XXXX XXXX, PA. Until last week, I was under deferment for my private education loans. I am now unemployed and struggling to make my loan payments. Of course, I am under IBR for my federal loans but my private educational loan lenders, XXXX XXXX and PNC, they are relentless. I am desperately seeking work and am unable to consolidate due to low credit ( due to my student loan debt ), and I do not have a cosigner, because my parents recently filed bankruptcy. I am running out of options and they will not give me any other options of repayment, deferment or forbearance. I have considered ending my life over the stressors, but my grandmother is the cosigner on my private loans and she would be forced with them. This, of course, is not to be dramatic, just trying to illustrate how hopeless the situation at hand is. I feel as though I need help. I need someone to help me through this situation. Please, anything, any information you can help me with is vital. Again, I 'd like to illustrate that I am not trying to take advantage of any kind of system. I 'm just desperately trying to better my life and my situation. Knowing what I know now, private loans were clearly not a good option for me at the time. It 's too late, though and I need help now..
Bought a new XXXX XXXX from XXXX XXXX in Texas in late XXXX. Was pushed to finance at least 4 months with XXXX XXXX XXXX to get a {$2000.00} rebate. On XX/XX/XXXX made my first and only payment of {$10000.00}. Noticed it never posted so made numerous calls and was told account number inputted wrong but it was corrected and properly applied and would reflect so in my XXXX account. This never happened so i made numerous calls over the next few weeks to follow up. No hint of any problem from XXXX and all was well just taking longer than expected ... .... Today I was told XXXX returned the money on XX/XX/XXXX and it, whatever it is, was cashed on XX/XX/XXXX. This is the first time I was told this. All my other inquiries all was fine and just taking time to get the payment to its correct home. I had another $ XXXXpayment set for today but had the bank cancel it. Now I am out {$10000.00} and left to deal with an inept XXXX that every phone call tells me a new story. My bank says the payment was an electronic transfer to XXXX and they have no idea why a paper check would have been cut if in fact it was. Bottom line, my {$10000.00} is missing and I am left to deal with incompetents.
PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 3 ) COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS! On XX/XX/XXXX I disputed an inaccurate item on my credit report. However, I NEVER received any response back from Equifax concerning this matter ; therefore, I sent them a letter on XX/XX/XXXX requesting XXXX for them violating FCRA rules. Due to the fact, IT TOOK MORE THAN ( 160 ) DAYS AND EQUIFAX NEVER RESPONDED TO MY DISPUTE ; EVEN THOUGH THEY ONLY HAD ( 30 ) DAYS TO COMPLETE THEIR INVESTIGATION ACCORDING TO FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( A ). Consequently, Equifax responded to my letter on by stating that the item was VERIFIED, which INDICATES that they NEVER read my letter because if they would have they would have none that I DID NOT file a dispute ; yet, I was requesting XXXX  dollars because Equifax DID NOT complete their original investigation within the allotted time frame of ( 30 ) days. Therefore, I mailed a 2nd request for damages in the amount of XXXX on XX/XX/XXXX. Also this item is OUTDATED, because it is ( 18 ) years old and the information keep reappearing and or never goes away.
XXXX XXXX XXXX XXXXXXXX Haas issued me a credit card with XXXX limited. I was going on vacation has only XXXX available. I had made some small purchases.to assure room on the card for my hotel and rental car I paid XXXX on XX/XX/XXXX. Then XXXX on XX/XX/XXXX then XXXX on XX/XX/XXXX which wasn't total balance. My payment was verified by capital one twice. And cleared and collected by them in the XX/XX/. However they placed a 4 day hold on my account after they verified payments. This was not delivering a service level promise of hassle free timely accounting. I pay a XXXX dollar annual fee and additional fees in interest rate for my service..these fees should be refunded if there not going to issue me the credit promised in exchange for said fees.
Discover card keeps Rising my interest rate to insane levels which is become clear they are ripping me off, I pay my bills on time and I am never late but they keep increasing rate which when I contact them to get rate lower they make excuses! the interest rate on a XXXX balance is {$250.00} per month and I pay $ XXXX- {$500.00} per month on my bill and it does not go down. 
I am retired and on a fixed income and I can not continue to do this, I do not mind paying a fair share but this is crazy and
Found a Hard Inquiry Entry on my consumer credit report for a Discover Personal Loan dates XXXX XXXX 2016. I have not record of requesting either written or verbal for Discover Personal Loan.
Ditech Financial claims unpaid payments in a statement recieved XX/XX/XXXX states payment due for : Regular monthly payments is XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX on the same statement XX/XX/XXXX says fully paid claimed an amount due of XXXX Then Jumping to a statement on XX/XX/XXXX payments claim due for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX on the same statement XX/XX/XXXX fully paid Total amount due XXXX The payments processing coordination has caused the amount due to grow by claiming some payments were sent to the wrong Di Tech location and missed completely. 
I am a XXXX  widow of a XXXX XXXX XXXX police officer that XXXX  in the line of duty with a pension my income is fixed and stable I can't believe i can lose my husbands home if this continues like this
Equifax allowed my report to be double pulled/double reported by XXXX. I have attempted to dispute this multiple times, as it has caused me denial of credit. My file should have only been shared once.
Greetings I have initiated a dispute with EQUIFAX to remove an unauthorized Inquiry they have failed to validated that I initiated. I have asked and requested for EQUIFAX to respond with validated proof that I authorized this inquiry per the Fair Credit Reporting Act. I have provided requested documents to EQUIFAX including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditor to validate this unauthorized inquiry belongs to me. Below is the reporting Inquiry that should be Removed / Deleted from my EQUIFAX credit report. Should you need any additional information please let me know. 

Reporting Inquiry : 1 ) XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX, PA XXXX
FIVE Lakes Agency [ Fraud Department I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that [ Five Lakes Agency ] absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. Sincerely, FB
Re : Complaint against : XXXX XXXX, M.G. Credit, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX On XXXX XXXX, 2017, XXXX. XXXX ( Debt Collector ) sent me XXXX XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX, the attached collection letter marked Exhibit ( One ) I XXXX XXXX responded with a Public Law 95-109, Section 805-C, the Fair Debt Collection Practices Act Certified Letter, Exhibit ( Two ) dated XXXX XXXX, 2017. 

USPS Tracking confirmation dated XXXX XXXX, 2017 confirmed the delivery of the Certified Letter. See Exhibit ( Three ) XXXX XXXX, of M.G. Credit, XXXX XXXX XXXX, XXXX, FL XXXX, sent a response that was undated to attempt to circumvent the law, as I never asked for proof of debt. 
Exhibit ( Four ) M.G. Credit is in violation of Public Law 95-109, Section 805-C, the Fair Debt Collection Practices Act and they need to be sanctioned and fined for their attempt to violate federal law.
My problem is the interest calculation for a mortgage loan in the final weeks before a payoff. 

I took out this loan in XXXX 2016 and made regular payments ending with my regular payment on XXXX XXXX, 2016. I have no problem with the servicing of this loan through XXXX XXXX, 2016. Starting on XXXX XXXX, 2016 I began making a series of additional payments with the intent of paying off the mortgage in early XXXX. I am making the final payoff as using the payoff amount requested by Franklin American this Friday XXXX XXXX. I dispute this amount. I am paying it in full at this time, but am asking for a review of this amount and a refund if they have made an error. 

Basically, I can not understand the interest calculation for the period following XXXX XXXX through the final payoff on XXXX XXXX. In particular, my Franklin statement shows that a portion of the payment I made on XXXX XXXX is allocated for interest. This amount of {$890.00}. I do not understand their reasoning. I talked to a representative on the phone before making this payment and was told that the entire payment would go towards principal reduction since I had already made my regular XXXX payment a day earlier. Then to my shock I looked at my account and saw that {$890.00} was credited for " future '' interest in XXXX. This premature calculation of " future '' interest is absurd as the loan will be fully paid off long before then. I think the interest calculation should be based on the actual principal owing at the end of the month, not some hypothetical " future '' assumed principal. 

I attempted to explain this to a Franklin representative on the phone and was not able to get her to make an adjustment or get her to provide documentation or a calculation showing their methodology. 

In my opinion I have now overpaid this loan. I am not sure of the exact amount, but estimate that it is on the order of {$700.00}. I request that you compel them to do a proper interest calculation, furnish this calculation to me, and refund the appropriate difference to me.
To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests.
I have been denied credit because of wrong, inaccurate and false late payments on my credit file. The three credit bureau has three different information and records about me including name, address and accounts