WillisBack/dataset-financial-user-claim huggingface dataset:
Midland Funding claimed that a credit card debt was mine, but neglected to provide documents to me proving that debt was mine, nothing with my signature, only documents showing statements and payments which I have never made Midland took me to court and I was set to be able to provide my documentation, when I arrived for my court date I was told the case was vacated and it was found in Midlands favor based on the documentation the judge received from Midland , I never received the documentation even after requesting it through the courts and paying a fee to file the request I also was not even able to state my case at all, never got to stand before the judge The court documents I received showed that the the court notice was sent  to Midland, but  the box for " defendant '' was not checked, I wasted my time away from work to go to a court case that never took place
My credit card statement closing date XX/XX/XXXX indicated that I must pay the balance of {$1100.00} in full by XX/XX/XXXX to avoid paying accrued interest on a promotional plan. I called in the customer service center at XXXX on around XX/XX/XXXX to verify the amount payable prior to making the payment. The customer service representative confirmed that I needed to pay {$1100.00} to avoid interest charges. I submitted the request to process a payment in the amount of {$1100.00} on XX/XX/XXXX and the payment posted to my account on XX/XX/XXXX. I received my new statement on XX/XX/XXXX ; closing date XX/XX/XXXX. My promo plan charges were paid in full prior to the interest free expiration date. But I was still charged interest in the amount of {$400.00} on the promotional plan charges. I called customer service to dispute the finances charges and request a reversal. My request was denied advising that the finance charges are valid and my account will be reviewed in 30 days.
XX/XX/2005 reporting this debt on my credit report as a collection bad debt. Please Delete Immediately.
Equfax was a XXXX paid off XXXX on my file then score drop XXXX points WHY!!!!!!!
I have requested proof of the debt they claim that originated in 2012 in from a medical visit at XXXX XXXX XXXX. I have advised them I had insurance via XXXX XXXX in which I would have never visited a medical group outside the XXXX XXXX during that period. I would like proof of the medical debt reflecting my signature authorizing services faxed to XXXX in which I have requested several times.
XXXX  is not reporting this account with XXXX store card as a paid and settled account. Paid charge off
I have been receiving calls from a company called EOS CCA. When I answered, they asked for my sister and when I told them that I was not ( a ) a female or ( b ) that person the lady on the phone got chirpy with me and demanded the contact information for her. I informed her that this was illegal and I was going to file a complaint ( which I am doing now ).
Great Lakes Student loan reported 90 day past due to the credit reporting agencies bring down my credit score by XXXX points - they have my account listed as the last payment in XXXX 2016 when I made a small payment recently just to submit a payment. And I applied for forbearance as well. The information they are providing to the credit agencies is incorrect.
I have reached out to the company, my lawyer has reached out to the company and my first mortgage lender ( XXXX ) has reached out to the company but FCI Lender Services Inc. XXXX # XXXX has not responded. Their website does n't work and i have contact customer service several times. I am trying to get into a harp program on my first mortgage and they have failed to subordinate the second and are basically blocking me from refinancing my first mortgage. The house is XXXX XXXX and the loans are about $ 100k more than the value of the home. I am willing to continue paying and would like to do the right thing but if this is n't resolved before XX/XX/XXXX, I will have no choice but default on my first mortgage.
Bank of America charged placed two charges on my account for overdraft fees, {$35.00} each the posted date is XX/XX/18. Yesterday morning I received notification that my available balance was below {$25.00}, subsequently I deposited {$540.00} in cash at XXXX. This deposit posted to the account immediately as it was cash, and before the XXXX cut-off for same day posting. This morning, XX/XX/18, I called customer service and spoke with XXXX after noticing I was charged two overdrafts fees that caused my account balance to become negative. XXXX maintained that I was being charged the overdraft fees for items that posted to my account yesterday, however, my deposit posted yesterday was well. Which would have kept my account from being negative at the end of the bank 's business day, the point at which overdraft fees are charged. One overdraft fees was refunded, but the other is still on my account despite my account never posting in a negative status.
there was an inquiry on XX/XX/XXXX and the company does not have any record of credit card opened under name. Called on XX/XX/XXXX to Kohls and they researched the request.
Amount {$68000.00} / Account  XXXX  / Ba nk No.   XXXX  /  BofA  Check #  XXXX ,  XXXX  : Bank of America,  N.A.   XXXX   XXXX , Texas, Payee : The  XXXX   XXXX   XXXX   XXXX , Notation : Dealer Reserve  XXXX   XXXX . When we first learned that our reserve funds were no longer on deposit in the  XXXX  bank, it would not tell us where the money was -- and it took us years to find it. Our corporation is a North Carolina corporation, yet we discovered  that BofA wrongly escheated our funds to the Texas Comptroller. Compounding this error is that BofA failed to include both our last known address and our federal tax ID number, information that the Texas Property Code requires that the Texas Comptroller receive with escheated funds. The Texas Comptroller requested the omitted information, and it w as refused. The  XXXX  bank would like for our funds to be returned to it, but the Texas  Comptroller refuses to do so. Early this month Texas Asst. Attorn ey General  XXXX   XXXX  asked BofA to provide her with the omitted information, and it again refused. The fact that adults would engage in thi  s Catch 22 situation is silly because BofA might be too big to fail, but it is not above the law of either the United States or the State of Texas. The obligation to return our reserve funds lies squarely and singularly with BofA, and we have every right to insist that it pay us our funds. Then it can deal with the Texas Comptroller in an effort to recover the funds that it sent there. We no longer want to be in the middle of this circus. We submit that BofA and the Texas Comptroller have enjoyed the interest-free use of our funds for much too long already, and now we want to receive payment of our funds.
If you wish, you may consider this complaint to also be a claim against DIF for deposits unquestionably owed by BofA to T  he  XXXX   XXXX   XXXX   XXXX , a North Carolina corporation, and which Bank of Americ a, N.A., has declined to pay on demand. We have no obligation to chase our funds cross-country as a result of BofA having committed multiple errors, nor ought we to have to pay a host of legal expenses to recover our funds after such errors and subsequent default by BofA. BofA has the first obligation to pay us, and FDIC shares that responsibility for our insured funds.      Thanking you in advance for your interest and assistance in this matter.
Today, XX/XX/2016, I was notified that Capital One received a report of possible fraudulent activity on my account. I requested the source of that information and was told that such information was not available to the person who assisted me, XXXX, a Fraud Department Supervisor. I was told that my current credit card is being replaced even though I have paid my account balance in full for the past 4 months, or the duration of having the Capital One Platinum credit card. the actions of the company seem to me arbitrary since the company is unable to provide the source of the compromise. I believe that there is possibly no justifiable reason for the action of re-sending me a credit card due to the fact that the company is unwilling to disclose the source of the information stating that my information has been compromised. I am unaware of the rationale for the actions conducted by the company and would like full disclosure for the reason for why my account may have been compromised.
I have about $ XXXX in student loans. I contacted XXXX XXXX and XXXX, and I was able to get the loans placed in forbearance as I transitioned between careers. With all of the bills flying at me, it was my understanding that I had personally secured my loans and assured that nothing would default. However, XXXX XXXX XXXX XXXX failed to contact me by any means until I received a call one day from a 3rd party. I was unaware of the loans being sold to them, and had never heard of the company. 
By this point the loan was 96 days past due. After 30 minutes or so on the phone, I was able to work out a delayed forbearance plan XX/XX/XXXX-XX/XX/XXXX. They stated that three months had already past, so they could only do a retroactive forbearance for the XX/XX/XXXX-XX/XX/XXXX timeframe since I was already behind during those months. 
Confused? Yeah, me too. However, I went to look at my credit statement a week after working out this forbearance, and Navient had the audacity to hit my credit report with XXXX 90-day late fees. When I confronted them about it, they stated that there was nothing they could do about it except reconsider once I sent a letter explaining my circumstances. I 'm sending the letter, but I suspect I 'm not saddled with a deplorable credit score due to circumstances largely outside of my control.
My Experian credit report is incomplete ( e.g., missing major creditors and accounts, truncated history ). My credit score is generally in the mid to low XXXX. I have had credit cards or mortgages for 30-35 years. Experian 's under-reporting of my credit history has harmed my ability to validate my credit worthiness ( establish public utility account ) and validate my identify ( IRS ). 

In early XX/XX/XXXX, I a ) failed a credit check while attempting to establish a utility account at XXXX XXXX of Virginia for a rental property I own and b ) failed an IRS personal validation process when the mortgage/credit card account information I provided was not found in my Experian credit report. 

For the XXXX XXXX request, I was required to pay upfront to establish the service. For the IRS account creation, I was told to wait 24-hours and try again. I did and I failed again although I account information for my primary mortgage and my primary use credit card. Information on the IRS site explained that they validated information against Experian credit report content. 

On XX/XX/XXXX, I requested and received credit reports from XXXX ( 30 pages, 12 open revolving accounts and mortgages ), XXXX ( 60 pages, 14 open revolving account and mortgages ), and Experian ( 4 pages, 2 open revolving accounts and no mortgage accounts ). 

The XXXX and XXXX accounts reflected my 30 year credit history while the Experian report failed reflect hardly any of my credit history including but not limited to any mortgages, credit card, store cards, etc. 

On XX/XX/XXXX, I called Experian 's customer service number ( waiting on hold for almost 2 hours ) before speaking to someone. I shared the information that I have included here. The customer representative suggested that my creditors ( which include XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX ) had not reported to them. She stated that the 2 open and 1 closed accounts listed in my report reflected everything that had been reported. 

During the conversation, I explained to the rep that Experian has more information than they have presented in my report. Before generating the report, each agency ( including Experian ) generated 3-4 questions that I had to answer before they would present the report. The questions were based on information contained within one 's credit report. One of the three Experian questions was related to the monthly payment for XXXX mortgage on a rental property. That mortgage, or any of my four mortgages, does not show up on my XX/XX/XXXX Experian credit report. Note : All my mortgages show up on my XXXX and XXXX  reports. 

She asked me if I had contacted all my creditor to ensure they report to Experian. I explained I had not. 

Since that time I have communicated with XXXX ( e.g., credit cards and home mortgage ) and they informed me that they report to all three credit bureaus similar to all large national creditors. 

The call to Experian ended with the customer service rep telling me that their files were accurate and there was no need for action on their part.
I approved a {$50.00} charge and was overcharged by over {$1400.00}. My credit card receipt was signed by someone at this establishment. My credit card company ( Discover ) refuses to compare my signature to the signature in question.
Dear Financial Bureau, I have been an carecredit customer for a few years now. However, every since they increased my payment form XXXX dollars to XXXX dollars, it has been minor problems. However, these past month has been a problem for me overall. You see, I agree to pay them XXXX dollars after an bank mix up on the 3rd of NovembeXXXX but they did not process my payment yet. Then they charge me XXXX dollars late fee for not getting the money yet. I send the payment to their XXXX XXXX and I was just wondering what is the problem? I used to send them payments via money order all of the time but this is the first time this has became a problem. I was wondering what is the problem?
It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since XXXX has no license in my state, the loan contract I have with them is not valid. They also subsequently changed the terms of the loan agreement on XX/XX/2017 without receiving my affirmation of the changes. I am hereby requesting they remove any and all reporting they have made to any applicable credit bureau. The basis for their reporting is not valid.
The Law Office of Daniel Consuegra XXXX located at XXXX XXXX XXXX XXXX XXXX, FL XXXX send me a document that looks like a COURT DOC with a case no. XXXX. XXXX XXXX XXXX XXXX XXXX sign the Document that apparently is Civil Lawsuit. However, it does not have a stamp from the court or it is not even notarize. Furthermore, most of the document is not even completed. The document claims that my wages at the XXXX XXXX ( where I work ) are going to be garnishee. I research the company and they do collections. XXXX XXXX and the XXXX have a habit of going after people and try to collect debts using illegal tactics. The Lawsuit is in reference to a house I lost in Foreclosure back in the year 2010 located in XXXX Florida because I could not longer afford the mortgage. The Plaintiff mention on the document is XXXX XXXX. Please investigate XXXX of these companies and stop them from continuing doing this type of practice and intimidate people like me trying to rebuild my life after such a huge economical lost.
I have never done business with Midwest recovery systems. I do not have a sign contract with Midwest recovery systems. I have a right to demand to see a signed contract between Midwest recovery system and myself plus after reading many complaints on this company and their tactics of conducting business it is safe to say that they are a scam company and I demand to see a signed contract between myself and them.
I submitted a dispute on my charge card and advised i did not authorize XXXX transactions that posted on my account. I filled out the fraud dispute form and faxed a copy of my drivers license they have not credited my account.
From XX/XX/XXXX to XX/XX/XXXX Chase has made three credit inquiries with credit bureaus in furtherance of the issuance of a credit card. On all three occasions I contacted Chase and advised them I had not applied for or requested a credit card. On all three occasions Chase closed the application- although they mailed me a credit card on the first occasion ( which I destroyed ). On all three occasions Chase informed me that the applications originated with Amazon, in connection with their agreement with Amazon. 
On all three occasions Chase informed me that they would withdrew the inquiry and that the inquiry would not appear on my credit report. 
On all three occasions I subsequently contacted Amazon. On the first occasion Amazon believed that the application came from an account primarily used by my son. I spoke to my son and he denied making any application for a credit card. He subsequently closed that Amazon account. 
After the second incident on XX/XX/XXXX I requested a fraud block on my credit account. As mentioned earlier, I contacted Amazon and asked them to research the source of the application however they said unless I had the password to the account they could not reveal any additional information. 
During my telephone call to Chase regarding the most recent incident I informed Chase that although they had previously assured me that the credit inquiries would be withdrawn, they were still appearing on my credit report. Now there are three inquiries on my credit report from Chase. They could not explain why the inquiries have not been removed. 
During my last inquiry with Amazon they asked me to keep my account open so they could run " security checks ''. I subsequently received an email stating that no security problems were found. 
Since the credit card applications seemed to list my current mailing address I am assuming that it is not part of a credit or identity theft effort. I ca n't explain whey it originated but I am assuming that the reason it re-occurs is due to a system program that regenerates the application request when it notices that a credit card was not issued due to the original application. It seems that the system recognized this and that explains why the first two were exactly one month apart ( XX/XX/XXXX and XX/XX/XXXX ). 
The fact that I had a fraud block on my account might explain why subsequent attempts were foiled until the fraud block expired. 
I have asked Amazon to research this but do n't know if they will.
Complaint is related to EXPERIAN Report Number XXXX, dated XX/XX/2018, in which EXPERIAN continues to erroneously claim that I own XXXX/XXXX XXXX   Account XXXX. Since I have never had any account with this bank, EXPERIAN 's " reinvestigation '' of my dispute clearly was cursory and negligent.
I enrolled in XXXX university online in XX/XX/XXXX. The counciller i was asigned didnt explain student loans, and coerced me into taking out more loans than i needed saying i would recieve checks so i could afford to go to school and pay bills while i was on workers comp. i never recieved any of the money, information about my loans or a payment plan. i dropped out in XX/XX/XXXX due to the school refusing to send me correct programs like XXXX so i could do my coursework and the teachers refused to help. i called navient and XXXX XXXX in XX/XX/XXXX starting in XX/XX/XXXX trying to figure out about my loans and was just transfered time and time again only to be hung up on. I had a representative call me and then call me the wrong name and hung up. I am trying to get out of default but i never even knew how much my payments were or where i needrd to send them. in total i have {$14000.00} in defaulted loans and have no idea where to turn. my wages are being garnished and my paychecks. Im XXXX XXXX and ive tried filing for new direct consolidatrd loans and was just denied. please help me.
Went to XXXX Bank ATM to with draw money. Said call financial institution. Tried XXXX other times with different amounts. Stated the same " call financial institution. 

Called American Express they said the ATM show money was disbursed. I never received money.
On XX/XX/XXXX I notice a late charge so I call direct to ask why I had a late fee and they told me my escrow was short so they took it out of my payment that then shorted my payment. 
Then on XX/XX/XXXXI received a paper starting my escrow account was short XXXX I called to ask about it and I feel They could answer my questions about it also on my XXXX payment it showed I had a XXXX cent late bee charge I have not called about it due to me calling my accountant on it and she noted I need to report this to you guys.
Homeowner is currently 3 months behind on its Mortgage. Homeowner situation is of a temporary nature. Homeowner is ready and willing to commence payments. Servicer refuses to consider a request for a partial claim, forbearance or other workout solution. Homeowner believes there is a simple fix to this servicer made complex issue. A payment plan that will bring homeowner to a current position will resolve issue. 



Homeowner is placing Freedom Mortgage on notice, that I am " putting the world on notice '' of the security interest in order to make the secured parties ' rights fully enforceable is known as " perfection. " Secured Party Creditor, which is the Homeowner and will be referred to Homeowner herein after, has the right to Exercise Judicial Enforcement and request damages for the trespass against the Debtor Property, which is exempt from levy and in accord to XXXX Statement # XXXX 2015 XXXX. The Secure Party is the rightful holder in due course. Secure Party has a superior lien against the property in question and is above all others who profess to have an interest. Any attempt to commence a foreclosure proceeding will be consider a commercial injury and will be subject to the collateral value stated in the XXXX XXXX XXXX stated herein. 

A workout solution would be beneficial to all parties. If a workout solution is not met, the Homeowner will exercise its rights under XXXX XXXX accordingly. 

The Homeowner desires a workout solution.
Please see certified letter dated XX/XX/XXXX. ( enclosed ) After sending my certified letter, I received a mortgage interest statement. ( enclosed ). 

I also enclosed a copy of my XX/XX/XXXX Chapter XXXX bankruptcy for this home.
I have now for several yards tried to get assistance and have removed the incorr t information on my credit file. Experian is the only credit bureau reporting this incorr t infirmI and fortunately I have had success in getting it remove from the other ones already. This credit card from  XXXX   XXXX  they are reporting ngative and as a charge off on my credit file ; does not belong to me. Is is identity theft and fair and  XXXX   XXXX  knows and has been noticed as well as Experian credit agency but they will not rly and or roc this incorrect and negative Informstion. I have sent them numerous requests and this has been ongoing for years now.
On XX/XX/XXXX i deposited 3rd party checks in my account and forgot to have the payee endorses the check. On XX/XX/XXXX chase froze the account including funds from my paycheck and refused to allow me to witro any money from the account.
I see a collection account on my credit report, which is not mine, so I try to contact them by phone so it was very hard to get through them anyway, finally, when I able to talk with them, they are not a helpful and thread me to mess my credit report and keep messing my credit report till I paid them so I write them a letter requesting VALIDATION of debt, After that they did n't respond to letters and take off from my credit report But since then they keep reporting on my credit report after every couple months I have to go and dispute then again and again to clean my credit report but they still on my credit report.