WillisBack/dataset-financial-user-claim huggingface dataset:
I am a XXXX resident and my wages were garnished and continue to be garnished by Midland Funding LLC. Sometime around XXXX Midland Funding purchased a credit card debt XXXX {$1900.00} XXXX allegedly owed to XXXX under my maiden name XXXX XXXX. In XXXX Midland Funding  filed a lawsuit against me in the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Case No. XXXX ) alleging that I owed them {$2500.00} and obtained a default judgment. They mailed the notice of lawsuit and any other papers associated with that lawsuit to a XXXX XXXX XXXX XXXX, XXXX using my maiden name on all of the paperwork. I am not nor have I ever been a resident of XXXX, XXXX. I was never served any papers by the sheriff and I never signed for any papers at the XXXX XXXX in XXXX, XXXX. 
I was critically injured in an automobile accident on XXXX XXXX, XXXX and lived with my parents in XXXX, XXXX up until XXXX of XXXX I was arrested on charges stemming from that accident. I was incarcerated in XXXX from XXXX until my release on XXXX XXXX, XXXX. I obtained a job with XXXX in XXXX of XXXX and first heard of this lawsuit when my wages were garnished by Midland Funding in XXXX of XXXX. 
I never received notice of the lawsuit back in XXXX and I never received any notice or letter from Midland Funding or their attorneys XXXX and XXXX attempting to resolve this matter before garnishing my wages. The information that I have I got on my own from my employer. Midland Funding has failed to send anything to me ever. 
Midland Funding is taking at least 25 % of every paycheck and there is nothing that I can do to stop it. In addition to the alleged debt of {$2500.00} they have tacked on another {$2500.00} in court costs and " post judgment interest ''. How can I defend myself for a debt that was incurred more than 10 years ago when I have been incarcerated for the past 8 years? How can I stop this wage garnishment? This puts a tremendous hardship on me. I am a XXXX parent with a XXXX XXXX XXXX child to support. Please look into this matter for me.
I have disputed the late payments on this XXXX XXXX XXXX XXXX account for months. XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. The Intruders accessed names, Social Security numbers, birth dates, addresses drivers license numbers, and credit card numbers.
A student loan was taken out and my name was used as a cosigner with a forged signature. I disputed the loan and signed an affidavit as well as filing XXXX police reports in my town and in the town in which the fraud occurred. Without reason or explanation Chase bank has denied my dispute package. In addition they have constantly threatened me. A non bias entity has ruled it a fraud, Chase is bias in regards to it is their loan. They remain uncooperative and drag things out for months. After this account was defaulted and closed they illegally pulled my credit twice. Chase will not give any reason for the denial and gives my lawyer and myself the run around. They have no proof I signed this document and ample proof that I did not.
I have always paid my mortgage half at the beginning of the month and half at the end to in order to help with my finances as I do not get paid on regular basis. After refinancing with XXXX XXXX for my mortgage, I was called by customer service asking me to pay the full amount by the XXXX of each month. I told customer service that I have paid ahead so there should be no reason to charge me a late fee I need to pay two times a month. I am not exactly sure of the dates of this conversion but I am thinking maybe around XX/XX/XXXX/XX/XX/XXXX. 

Recently ( XX/XX/XXXX ) I received a letter from XXXX stating as of XX/XX/XXXX they will no longer accept partial payments and any partial payments will be sent back to me.
My loans are so out of wack. I was XXXX and I called and informed them and I feel they should correspond correctly and handle each case. It 's been so frustrating. Please help I totally do n't understand I 'm XXXX.
Charged XXXX late fee on multiple credit card accounts after setting up all payments online. They say payments were never setup I know they were setup as they are every month when they are received. They are paid in full and rarely is a balance kept on any of our cards. Here is the problem, you go in pay all your bills and then never get your email confirmation. You think they must be having a slow server or software problems. If they are they will not admit it and blame you for the late payment. You do receive an email saying your account is past due and your payment never posted. This is a scam and they know it. The electronic banking system is flawed and they know how to take advantage of online bill paying. So no email confirmation means they are collecting late fees from people who are actually making their payments on time and all they have to say is no email confirmation was sent. So they made their XXXX but lost us as Citibank customers ( XXXX of credit line ) for life. So beware of this practice. Which, if you charge a XXXX people with a XXXX illegal late fee you just made XXXX XXXX illegally and got away with it. Most people wo n't persue it but with a family of lawyers we may file a class action suit. XXXX is not the issue it is an issue to not take responsibility for your poor banking practices.
Today on XX/XX/2018 I had returned a call from XXXX XXXX who claimed they wanted to help me with my default payments. When I called they hassled me to try to get family to lend me the money, telling me to " swallow my pride and ask to borrow some money '', threatened repossession, wage garnishment, and a potential lawsuit. When asked if they were planning to do these things, or if they were idle threats, the question was avoided. I explained that I had stopped making car payments because I had gotten into a car accident and all of my money ended up having to go to living expenses because of it. I also explained to them that I am only just now being reimbursed for missed wages and damages due to the accident and that I would be able to get them the majority of the money I owe them by the end of the week. I also explained that the majority of my next paycheck would be able to go to the remaining defaulted balance. They insisted that they needed it in full today or that they would send it to their national recollection department and that they " might '' garnish my wages, repossess the car, or file a lawsuit. The man did not curse at me, but continued to threaten me instead of help so I hung up on him. He has also called my father stating that he was just trying to help sort things out but at the end of the day, that wasn't the case, he just called to threaten me.
I was a XXXX customer until XX/XX/XXXX. On XXXX/XXXX/XXXX I received a letter from SourceRM stating that I owed XXXX {$36.00}. I called XXXX, complaining that they waited 17 months to contact me. I requested that they check their records, and after a 10 minute delay told me that I owed nothing. I checked my bank records to prove that I had paid the full amount of over {$60.00}, but they only credited me with about {$30.00}. If they were able to check their records and show that I had paid the full amount, why did they refer a {$30.00} past due notice to a collection agency? On XX/XX/XXXX I called SourceRM and the woman who answered the phone verified that my account showed " paid in full ''. Today, XX/XX/XXXX I received another letter from SourceRM reminding me that I owe {$36.00}. I 'm assuming at this point that it was mailed before I called them on XX/XX/XXXX. My concern is that many people would just pay the {$30.00} to avoid " a negative credit bureau record ''.
On XXXX XXXX I wrote a check to XXXX XXXX XXXX for $ XXXXand on XXXX XXXX one for {$30000.00}. XXXX XXXX construction never received these checks. 

The checks were stolen by XXXX XXXX  XXXX XXXX. a non- employee for XXXX XXXX XXXX . He deposited the {$72000.00} into his personal account at Chase Bank. The bank should have never allowed the deposit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, Florida XXXX XXXX
On XX/XX/XXXX I requested Bank of America XXXX BOA ) to transfer XXXX ( {$4000.00} ) from my current account with BOA XXXX California to the current account I have with XXXX Bank in the XXXX. The transaction was acknowledged by BOA however the money despite a thorough search by XXXX did not, and has not, arrived in my XXXX account. 
On examination, the sort code used to transmit the money BOA was completely different from the sort code for my XXXX bank I supplied BOA. ( however the account number for my account was correct. ) IN FACT THE SORT CODE USED TO TRANSMIT THE MONEY WAS FOR A SUBSIDIARY OF SANTANDER THAT WAS DISSOLVED MANY YEARS AGO. ( COINCIDENCE? ) I have spent well over XXXX hours of XXXX phone calls to BOA, XXXX investigative team only to be told that BOA were not at fault AND THE FAULT WAS MINE FOR GIVING THE WRONG SORT CODE. I had same negative response from BOA following my request on the XX/XX/XXXX to have the case escalated. 
Interestingly XXXX XXXX XXXX XXXX of the BOA investigators assigned to the case admitted on the XXXX of XXXX in an Email to XXXX Attachment XXXX ( quote ) " that this payment ( from BOA ) was sent to sort code xxxx in error ( to a company ) which was formally XXXX ''. 
Please note that this company was dissolved many years ago and as such is no longer in existence. 
XXXX can only conclude that from this admittance of error that BOA is at fault in failing to take adequate measures to ensure safe passage of the wire transfer of funds. 
Please note this admission of error by BOA preceded their letter to me of the XXXX XXXX claiming no fault on the part of BOA any thus denying my claim for return of funds.. 
Attached to this submission are copies of the documents relevant to this case including a copy of my letter XX/XX/XXXX appealing the BOA investigative teams decision ( Attachment XXXX XXXX ) which outlines in depth my case for appeal, also a copy ( Attachment XXXX ) of the letter to me from XXXX dated XX/XX/XXXX that contained a copy of the admittance of error by XXXX XXXX Attachment XXXX also highlights my concerns that regarding the possibility of security infringement with this wire transfer.
I began disputing a collection account in writing as of XX/XX/2018. The collection company ( XXXX ) called me on a saturday afternoon ( I had not received anything in writing that there was anything to dispute ). The agent was told not to contact me further, and she states, " I will keep calling until you pay your debt -- all calls should be recorded ). 
The first collection letter from XXXX was billed for {$1700.00} ( an amount submitted by XXXX XXXX ). 
After I began my dispute with the 3 credit bureau giants,  Experian made an adjustment to reflect {$910.00} on my credit report as of XX/XX/18. 
I submitted emails the Experian and evidence that the property management company ( XXXX XXXX ) admitted the were wrong to bill me for rent when they already had lease on the unit as of XX/XX/XXXX. The landlord-tenant laws states a company can not try and collect rent plus reletting fees if another tenant is living in the unit of the prior person. I have made several attempts to have the collection account removed based on these facts, but Experian, XXXX and XXXX XXXX have refused to respond or make proper adjustments.
I have a checking account with USAA. In XXXX, 2017, I signed up for a internet service called XXXX XXXX XXXX XXXX. The service did not live up to it's claims so I cancelled it three weeks later. In XXXX USAA processed a payment for XXXX XXXX that I did not authorize. I told them this in multiple phone calls and I filed a fraud dispute against XXXX XXXX. Today USAA sent me an e-mail saying my fraud claim was denied and they were siding with the company and reversing my credit of {$130.00}. USAA sides with companies against consumers. I find it almost impossible to cancel payments or reverse payments that were not authorized with them.
XX/XX/2018 Chase Card reported unrecognized hard inquiry on my XXXX   credit report
I call XXXX on a bill that was not me and was told to call XXXX, XXXX, XXXX. I did and no help at all the address on the person it start XXXX?. XXXX, AR XXXX my address start XXXX XXXX XXXX. XXXX, AR XXXX. EQUIFAX has me I old {$85.00} to XXXX. 
I hade send 8 months ago copy of my ID no help at all XXXX tells me to call Equifax to take care of it so I call XXXX. XXXX XXXX for help I was told to go true Equifax can you please help me my name is XXXX XXXX XXXX
XXXX XXXX XXXX opened a credit card to a person who stole my identity to do so. With the help of my bank XXXX/XXXX we contacted XXXX and they refused to take any action and referred me to XXXX XXXX XXXX who they sold the debt to. After contacting XXXX XXXX XXXX with a police report, and the results of disputes from XXXX and XXXX showing this account was fraudulently opened in my name, they still refuse to discharge this fraudulent and remove it from my credit report. I need assistance in having this fraudulent debt discharged and removed from my credit report. 

I have included the police report and report from XXXX. I am still awaiting paper copies of a dispute from XXXX, which result shows this account was fraudulent and they have deleted parts from my account.
Diversified Consultants, Inc., XXXX, XXXX, FL XXXX sent a debt collection letter, XXXX/XXXX/XXXX, with 30 days to dispute debt. I tried unsuccessfully three times, XXXX XXXX, XXXX, XXXX, leaving two voicemail with contact name and number for a XXXX, XXXX, XXXX, along with calling XXXX. How can a consumer dispute the validity of a debt when there is no interaction from this company. As of this writing, I sent an email and will send a letter per USPS. 

Per XXXX, t am being charged for equipment which was returned, XXXX/XXXX/XXXX, XXXX, cashier XXXX, receipt XXXX, account XXXX, serial number XXXX, model TH, charged {$90.00}. 

Billed one month in advance by XXXX, service stopped on XXXX XXXX. XXXX, owing only 5 days of service. Since XXXX billed me one month in advance for service, I do not owe, in fact XXXX double-dipped with the first two of my initial billing, owing me : XXXX, {$86.00} XXXX, {$58.00} Billing dates overlapped by four days.
I've submitted several disputes on my XXXX Credit Report to get this resolved, and the only response I keep receiving is that my debt has been verified as mine. I am not disputing the fact that the debt is not mine, and Transworld Systems and XXXX   are not addressing the issue. I am disputing the amounts owed and wrongfully reported on my credit report because XXXX XXXX XXXX never billed my insurance company for my services, as you can see attached in my supporting documentation. I am disputing the amounts owed on my collections report by Transworld Systems Inc in the amounts of {$1700.00}, {$240.00}, {$100.00}, {$88.00}, {$79.00}, and {$66.00}. 

I have attached my log of correspondence with XXXX XXXX XXXX XXXX to make my medical claims to ensure that my insurance would be billed for these services, and also, a photo of my account with XXXX XXXX XXXX which shows that my insurance was never billed for my services.
Affidavit of Demand XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 



2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 



3. Date : XX/XX/2018 Dear XXXX FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report  signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to XXXX, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 




I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to XXXX, Experian and XXXX. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. 





Sincerely, XXXX XXXX XXXX cc : Pennsylvania Attorney General Office cc XXXX XXXX XXXX XXXX cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX cc : PA Banking and Securities
I made a purchase at XXXX for a XXXX dishwasher. I was going to pay cash but this would have put me in a bind financially until I got paid again.When checking out the store clerk told me about their credit program to get it financed. I was to make payments of XXXX and my final pay off date would be XX/XX/2018. If I wanted to pay off the loan or lease sooner I could call the company after 3 payments. I thought this sounded great. I was unaware they would continue to bill for XX/XX/XXXX through XX/XX/XXXX. I then called the leasing company several times, Why Not Lease It. The company 's representatives stated the best deal that they could give me was XXXX off which was the XX/XX/XXXX payment, if I paid XXXX in XX/XX/XXXX and XX/XX/XXXX. Of course, I agreed since that was the best that they would help me. I wish I have never chose to lease the dishwasher because I've paid XXXX over what I initially signed up for. The instructions on the lease were very misleading and states the payment plan until XX/XX/XXXX. The costumer service agents were very rude and insulting, though I called them 3 times to resolve this issue. They acted like they did me a big favor for saving me from paying another payment of XXXX in XX/XX/XXXX and insulted me because I was upset.
On XXXX/XXXX/2017, I requested the name and contact information for the investor that owns my loan which is currently serviced by XXXX XXXX XXXX. To date, I have not received a response from XXXX XXXX.
The primary cardholder of my Capital One Cabelas Visa Credit Card was changed to my father who cosigned for me to get the card and I am not able to administer the account. 

I discovered this when I ran into an issue with my Capital One Cabelas Visa Credit Card where I am not able to login to or even create an account to the online portal where I would go to view my balance and pay my bill. I called customer service on XX/XX/2018 and was told then that I am not the primary card holder on this account. 

I am the primary cardholder, and I should be the only card holder on this account so this should not be an issue. After about an hour on hold with the customer service team at Capital One, I was told that an issue had happened where my father ( who was a cosigner on the account - not a joint cardholder ) was converted to the primary cardholder before Capital One took over the Cabelas Visa card. I was told that other users were experiencing this problem and that they would look into it. 

Capital One never attempted to contact me back, so on XX/XX/2018 I called them back. I was greeted again as the secondary card holder and transferred to a manager. The manager tried to tell me that they attempted to contact me and that my voicemail was full. This is a false claim as I have received several voicemail messages within the last few months. The manager also told me that they had completed their investigation of my account and that the account is how it was received when it came from XXXX  XXXX XXXX. I was then told that there was nothing that they could do to help me. 

I need to be reinstated as the primary cardholder and my father needs to be removed from the account. Unfortunately, Capital One is unable to help me fix these issues with my account.
Recievd bill from debt collector ERC in regards XXXX XXXX for a bill of XXXX which is incorrect. My service was cancelled with XXXX due to having no service dropped calls and poor service.
Our home flooded during XXXX XXXX. Insurance gave us a {$40000.00} advance, which after many phone calls, CitiMortgage released to us. Our insurance settlement of {$240000.00} was granted in XXXX. Since we had a {$40000.00} advance, we mailed CitiMortgage our check for {$200000.00}. Although we sent the check XXXX weeks earlier, CitiMortgage shows receiving it XX/XX/17. After many phone calls they released {$47000.00} to us on XX/XX/17. I then spoke to XXXX on XXXX who told me the rest of the money would be released and overnighted that week. The check never came so we called back and were told the request " kept getting bounced back ''. I then spoke to XXXX who explained to me that they are holding {$150000.00} which they refuse to release to us until we are 100 % complete. I have called and spoken to XXXX many times, and they are firm on this because our original contractor 's bid was for much less than it has ended up costing. I have uploaded cancelled ( paid ) checks but they still refuse to release the money, even after we had an inspection showing 90 % complete. We then finished everything structural ( counters, cabinets, etc. ) and had another inspection. That inspection again showed 90 % complete which does not make any sense as all that is left is paint - in fact we are moving home this weekend. I can not make my final payments to the contractor as we have been paying out of pocket all along but CitiMortgage isn't releasing the money, so we are out of money. Today, I spoke to XXXX who again asked for an " exception '' to release {$100000.00}, but I have asked for this multiple times and never received ( and never received a phone call stating that I wasn't getting it, I keep having to call ). I also asked for another 100 % inspection.