WillisBack/dataset-financial-user-claim huggingface dataset:
To whom this may concern, I am writing in response to claims by Scottrade that they will not respond to the CFPB. This bad behavior by Scottrade appears to be a repeat of other bad behavior. 

In the attached you will see that Scottrade for a period of no less than 2 years hide behind the OCC while defrauding regulatory agencies by maintaining the veil that their company has less than XXXX XXXX in assets.
I had an XXXX collection that was sent to collection in error. I fought back and forth with XXXX XXXX and XXXX to make sure this error on XXXX 's part did not adversely affect my credit score. I was assured it would not. Once the error was corrected I paid off my balance with XXXX. Now I am being hurt by over 50 points on my credit score because this account is showing up on my XXXX   and XXXX reports. This is causing me to not be able to get my home loan that I have been working so hard to get. Currently my family is XXXX and we are living with my in laws because we were expected to have our home loan funded by this time, but now because this account is reporting we are not able to obtain financing.
My XXXX is XXXX years old and not capable of entering into a legally binding contract. I handle his finances for him. All of a sudden his credit score as shown on a credit card statement has dropped XXXX points. I suspected Identity theft and contacted all of the credit bureaus. 
The XXXX XXXX report shows XXXX adverse collection accounts from " REVMD Partners '' with no other information. I have never heard of these people, there has been no collection activity, and no communication of any type from them, written or oral. 
Dad does not owe anyone any money and this is clearly an attempt to XXXX by holding their credit report XXXX. 
We need to protect our XXXX citizens, and in this case an impaired veteran from XXXX. Totally intolerable. 
And I was so upset when I got this information that I was quite upset and awake all night with night sweats. 
These people should not be allowed to do this and instead should be making license plates or pounding big rocks into little rocks, if you know what I mean.
Where do i start. I called ally spoke to XXXX people before actually speaking to a rude supervisor- After asking XXXX XXXX is her employee number she claimed to be a supervisor- When i asked her why her employees put me on a hold for more than 15 mins after advising me they will be back in 1 minute. They are already violating. I will be placing a compliant to the cfpb for poor collection practices. I was on the phone for over 1 hour. One person in the company is saying i am past due on my account. They transfer me to collections i wait another 10 mins i speak with the collections representative she says she ca n't help me my account is 40 days ahead.. CAN SOMEONE GIVE ME AN ANSwer.. I ask to speak with a manager and i tell her what is going on she DIDNT SEEM TO CARE- Her response was Just YEA i asked her what do you mean yea.. NO ONE HELPED ME can some investigate this companies policy on customer service and they way they place people on hold- They had 1 working supervisor for the whole company she said and she was the only one taking calls. How can 1 supervisor run a call center.. They reported my credit late. I want this removed..
The collector left a voicemail message on my husband 's phone, stating that the message was for another person ( stated the name ). She stated that she was attempting to reach me ( stated my name ), and to have me contact her. She gave her name and the name of her company, and what the debt was for. The caller was not authorized to contact anyone other than me about the debt, and is calling random people with the same last name in an attempt to reach me, but is disclosing confidential information that no one else should have knowledge of. I have retained the voicemail message for my records.
THIS INFORMATION IS INCORRECT IN MORE THAN ONE WAY. 

TO START NONE OF THE personal information listed regarding this credit card account are valid ; such as My suposed account number, address, phone number, email, Social Security number. 
I AM NOT RESPONSIBLE OF THIS, NOR AM I THE ACCOUNT HOLDER. 
This card was opened with My first and last name and date of birth AND THAT WAS ALL THE INFORMATION THAT MATCHES THIS-HOW IS THIS EVEN POSSIBLE TO HAVE GOTTEN THIS FAR AND STILL FOLLOWING ME!? 

I HAVE REACHED OUT TO THE ORIGINAL CREDIT CARD COMPANY A FEW TIMES OVER THE LAST 6MONTHS TO KEEP THEM UP TO DATE ON EVERYTHING ON MY END AND APPARENTLY NOTHING AT ALL HAS BEEN DONE. 

I DONT KNOW EXACTLY WHAT/HOW THIS HAPPENED, IF IT WAS DONE BY A PERSON I KNOW, KNOWINGLY USING PART OF MY INFORMATION OR IF THIS WAS COMPLETE ERROR ON SOMEONES FAULT BUT I AM STILL NOT TAKING RESPONSIBILITY FOR SUCH AN INCORRECT SITUATION. 

NOW I HAVE DEBT COLLECTORS EMIAILING ME, CONTACTING ME AND ACCUSING ME OF THIS DEBT THAT HAS NOW BECOME A COLLECTION ACCOUNT AND SOLD TO A NEW COMPANY. 

THE MOST UPESTTING TO ME IS THAT NOW ACCORDING TO THE CREDIT REPORTING AGENCIES, M YCORRECT PERSONAL INFO HAS BEEN BASICALLY ADDED TO/ WITH THIS OTHER " XXXX XXXX XXXX ACCOUNT AND MY PUBLIC INFO IS NOW MIXED INTO THIS WHOLE MESS EVEM MORE THAN BEFORE BC NOW WHEN SOMEONE PULLS THIS ACCOUNT/REPORT, ALL THE INFORMATION SUBMITTED-BOTH BY THE APPLICANT, AND NOW BY WHOEVER HAS ADDED TO THESE CREDIT REPORT ACOUNTS ON THE ADMIN SIDE-WHICH HAS ONLY MADE THINGS WORSE AND MORE CONFUSING TO ANY THIRD PARTIES GETTING INVOLVED.
I applied for mortgage modification in XX/XX/XXXX. I was current and have excellent credit. I provided all necessary requested documents by the end of XXXX. I was told that it will close by end of XXXX or by XXXX. I received approval and new payment amount starting in XX/XX/XXXX. My old payment amount on my mortgage is withdrawn automatically but i am getting delinquency letter. I have contacted them and they have not sent anything in writing but verbally said that i am not delinquent. I am told now that it will show on my credit as delinquency for a period of time. I was not told this at any point in the refi process. I am current and have paid. Tried to contact them several times and made call appt. but no response. Lack of response and my delinquency status is worrisome. I was decline HELOC refi from XXXX. My real estate tax was to be paid by CCO since it is escrowed in the new loan, it is not paid yet. Now it is XXXX and my mortgage refi is not complete or close yet. They have dragged this process long for no apparent reason. I have provided all required information right away. Signed and sent documents on XX/XX/XXXX.
Starting on XX/XX/2016 I started the process of Disputing debt through XXXX XXXX who was reporting 10 accounts to my credit reports, all the same, account number but different amounts totaling {$570000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 and again on XX/XX/2016 to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

I provided copies of my 20 different letters copy of my signature required service via UPS and evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance within the allowed 30 days.

" I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Direct Recovery left a message on my cell phone stating I had ignored their attempts to collect on a debt. Their phone number is XXXX and occurred on XX/XX/2018 at approximately XXXXXXXX XXXX. I keep my bills paid and suspect the caller to be a scam.
XXXX XXXX wrote a Wells Fargo North Carolina check payable to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX for the amount of {$980.00}. This is for an outstanding invoice XXXX for {$980.00} However the Wells Fargo check was misplaced or stolen and cashed at a XXXX XXXX XXXX on XX/XX/2018. Noone knows the signature on the back of the check. Don't understand how this is possible because the check is made out to XXXX XXXX XXXX. 

XXXX XXXX XXXX  went to the XXXX Police Department to file a report and spoke to : XXXX XXXX XXXX Administrative Police Officer  XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX The main contact at XXXX XXXXXXXX has been the Accountant named XXXX at XXXX The main contact at XXXX XXXX XXXX has been the Accountant XXXX at XXXX. 

XXXX XXXX contacted Wells Fargo who stated that XXXX XXXX XXXX needs to file a complaint. And Wells Fargo told XXXX XXXX XXXX that it is XXXX   XXXX that needs to complain. So Wells Fargo has done nothing to help or rectify the situation.
I have a Visa with Capital One that had fraudulent charges on, which they took care of. They closed the account and issued a new card. When I received the new card, I put it in my safe and did not activate it. I started receiving phone calls from Capital One telling me that my account was delinquent on a card that I had not activated and had no previous balance. I looked online at the 'charges ' and the same fraudulent charges were being applied to my new, inactive card. Once again, Capital One reversed the charges, closed the account, and issued a new card. They also said that they would block any and all transactions from the companies that were charging my card with fraudulent charges. I received the new card and once again, it is being charged by those same companies for services I have never used nor authorized. Those companies are XXXX XXXX and XXXX. I want to know how an account that has never been activated can have charges on it and how is my account information being shared? I am the only person with access to that card and have not given it to anyone. The fraud has to be initiating inside Capital One. I want answers. There is no reason those charges, which amounted to THOUSANDS of dollars should have ever been allowed on my account.
I submitted disputes with XXXX - They did not investigate my actually dispute or even respond to the items in question. They just recent my whole report with a random item deleted that was n't even on my report.
For approximately 1 year, I have been trying to get Equifax to resolve the problem that I have obtaining my credit report and credit score from them online through their own website and through annualcreditreport.com. Most importantly, I have been denied credit twice by two separate creditors because they could not access my Equifax credit report and score. Both creditors were able to obtain my XXXX and XXXX files with no issue. I have contacted Equifax on 4 occasions over the phone to resolve this issue. At my request, my calls have been escalated to supervisors and the fraud department each time. Equifax continues to explain that THEY can see my file and that there are no alerts and that my account is not blocked in any way. They then offer to sell me their online product/services. I have had to cancel their services twice because I am NEVER able to obtain my credit report or score. They 've had to refund money to me twice because I could not obtain the service online. They 've offered to send my report to me in the mail. However, this does not solve my problem if potential creditors are still not able to access my credit file. I have worked really hard to improve my credit and now can not get credit from car dealerships or simple retail stores like XXXX because they are not able to pull my Equifax credit file. I have verified my name, address and SSN to them verbally and I 've faxed copies of my ID and Social Security Card to them as requested. I still have no resolve.
On XX/XX/XXXX I came home to find two individuals who had broken a lock and entered my home without permission and were letting the water out of the hot water tank. He explained that he had a work order to do this work - of which I have a copy - but had no court order, understandably, because the house is not in foreclosure, only delinquent in mortgage payments. I told him I was calling the police, and he, to his credit, waited for the police officer to arrive. The contractor gave me his address and phone contact information when requested and on the work order was the contact information for the company that had contracted him to secure the premises, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. On the work order was a contact name for XXXX, XXXX XXXX at XXXX. I called this number and a man answered who said XXXX had stepped out - it was approximately XXXX - and he transferred me to another woman. I asked her why her company had contracted with a local contractor to enter the property without a court order, told her she had no legal authority to do so and told her that I had just called the police, and she hung up. At that point the police officer arrived, and I gave my statement ; he then went outside with the contractor to obtain his statement. He oversaw the re-installation of the new lock and door knob, since the original had been destroyed, and the clean up to a reasonable level of cleanliness and water removal of the mess the two had made around the water heater. The police officer explained that he did not believe the contractor believed what he was doing was illegal and trespassing is a crime of intent, so he would not be charging the contractor with a crime, but he told me I might want to contact the State Attorney General because it is very interested when corporations or financial institutions violate the law, but that the local police had no interest in pursuing the case further. When outside in the driveway before he left, I told the XXXX, XXXX XXXX, that in the future, at this home or any other in XXXX State, you need to demand a court order showing you have the authority to enter a house before you may break into it. I also told him the bank has all my contact information and all you need to do is contact me, and if I deem it appropriate, I 'll let you in voluntarily.
Citibank is calling me repeatedly and leaving voicemails. Here are the times/dates they have called me recently : XX/XX/XXXX - XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX   XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX ( today ) - XXXX, XXXX, XXXX
For the last year my wife and I have made consistent payments on my student loan via direct payment from our bank account. Every month Navient has returned the payments back to our account without any explanation. When I have called, the agents state there is no record of the payments being made and that I am delinquent on the account. I am currently being reported as 90+ days past due. I have called and written the company providing the requested bank account information proving the payments and returns. I have provided and have never received a response to my complaint or concerns. I am turning to you for your assistance and providing the same information I have provided via the Navient website and USPS.
Just now, right after XXXX my time the company called about a mortage ( in an attempt to collect a debt ) that should actually be on track payment wise ( I have my bank automatically send payments to the lender ) Again, it was after XXXX.
They did not obey The Servicemembers Civil Relief Act after i sent them my official XXXX XXXX order and information. i have all the email saved and we were charged tremendous amount of interest. Shame on you Citizens Bank.
Reference Account Number XXXX VIN XXXX Per my lease with BMW Financial Services , I am allowed to transfer the lease to another individual via the lease assumption process. 

Upon attempting exercise this option in XX/XX/XXXX, I was informed by BMWFS that they would not allow me to move forward as BMW had temporarily stopped new vehicle sales for this model. 

The lease does not allow BMW to prevent the assumption of a lease due to a voluntary stop-sell of new models. Despite informing BMWFS of this, I was told I would have to wait until sales resumed.

Once BMW began to sell the vehicles again, they permitted the assumption to proceed in XX/XX/XXXX. At  this point, their breach has caused me to incur financial losses. 

I am requesting BMW refund all payments made during the period during which they would not allow the assumption to proceed ( which I perceive as the breach period ), as well as refund the assumption fee to cover some of the additional holding costs incurred during that time ( insurance, vehicle registration, etc. ). 
Request BMW refund : Assumption fee : {$540.00} Lease Payments during Breach Period : {$1200.00} ( XXXX XXXX ) Total Request : {$1700.00}
I do not have any children not sure why the credit bureaus will not remove child support from my credit report ; Illinios Child Support # : XXXX is reporting invalidly and I would like it removed as soon as possible. Not only do I not have any children to my knowledge child support isn't a contractual debt of goods, services or monetary value so why would it be reported to bureaus anyway? Every bureau removed it except for XXXX
On XXXX/XXXX/17 I obtained a copy of my credit report from XXXX and noticed that XXXX has allowed a collection agency named Regional Adjustment Bureau to insert in and duplicate a debt that is already listed on my credit report with the XXXX. SO now the debt is listed twice! Different amounts different dates! What is happening is that the original company ( XXXX XXXX ) account is near its time of deletion from my report, and they have sold my account to a collection agency in which I have " NO CONTRACT WITH '' and now the debt is listed twice! A clear violation of law! Regional Adjustment Bureau has illegally added this debt to my credit report. Every few months another company buys the debt which now its ( Regional Adjustment Bureau ) reinserts it changes the dates and amounts and list it negatively on my report again. Most recently they have not payment history for the last 2 years but have the debt listed as being open in XXXX and a balance of XXXX as of XX/XX/XXXX. This is NOT true and a total lie in an attempt to ruin my credit. I have NEVER received any correspondence from Reg Adj Bureau and want this removed from my XXXX Credit Report asap! This is against the law. They have violated the FCRA Section XXXX ( a ) ( 3 ) and FDCPA Section 807 ( 8 ).
I did not of this debtor until my wages were garnished. i then called them and explained that I was never notified. They explained the address they sent the information to and it was an address i have not lived in for over 5 years. Also, after I filled out the paperwork sent to me, they claime dthey release the wage garnishment yet my employer is still garnishing wages. So I asked for a copy of the release order sent to my employer for proof that they did in fact release the wage garnishment and they REFUSED to give me a copy and said they will not send me any proof of the release.
On  XXXX   XXXX    XXXX  , I received a collection letter from a Resurgent Capital Services saying I owed them {$900.00} that was purchased from   XXXX   XXXX   XXXX . It also stated on this letter that they would make an entry to my credit report, which would have detrimental affects on my credit. On  XXXX   XXXX    XXXX  , I sent them a letter stating I was not aware of having any account with their organization or with  XXXX   XXXX . I asked specific questions of the company in this letter, namely, for account statements and signature cards proving I was in ownership of said account. On  XXXX   XXXX    XXXX  , the company sent me a letter stating that they purchased this account from  XXXX   XXXX  and I owed them {$900.00}. They did not include any of the requested information, as there were no account statements or signature cards attached, In addition, I asked for a copy of the bill of sale and individual names and addresses of staff at  XXXX   XXXX  they were dealing with who sold them this alleged debt, none of which were provided to me. On  XXXX   XXXX    XXXX  , an entry was made to my credit report under the title  LLV Funding  listed as a collection account. The entry was listed as disputed and verified under the FCRA. On  XXXX   XXXX    XXXX  , this company sent me another letter saying that they were resuming collection activity on my account and I should contact them for payment. On two occasions, I attempted to contact this company to ask questions about this alleged debt, however I was told that they would not provide me account information, since there was a cease and desist on the account.
I graduated from the University of XXXX in XX/XX/XXXX. I began paying back my loans shortly thereafter. In XX/XX/XXXX I started XXXX XXXX  in XXXX, I am still a XXXX XXXX receiving my XXXX in XXXX XXXX. The lender has asked two years ago that I start repaying my loans, while I am receiving loans to live on for XXXX XXXX. They told me that I only get to pay 6-months of interest only payments a year and then later when I reached back out to see about options they told me I would have to default on my loan and then they would have more options for me. Being that I am in the XXXX XXXX, they neglected to give me options and as a XXXX XXXX I can not afford to start paying my loans back -- because I am not gainfully employed yet and still live off of student loans. I reviewed the documents and my grandmother called- they bothered us daily even while working with us. By calling multiple times a day ( both my grandmother and I ) and on weekends ( when they couldn't even be reached ) when we were working with them to fill out paperwork for forbearance for XXXX, they continued to harass us. Full disclosure, it takes time to have directors of XXXX XXXX sign paperwork when we all have full XXXX XXXX and put XXXX  first, but I got it within a week and sent it back. They required corrections, then after I resubmitted it they told me it was the wrong document ( they didn't notice that the first time? ). I feel like I am being taken advantage of and it is not right. I am working very hard and keep in contact with them to ensure things are handled and I am being seriously mistreated.