WillisBack/dataset-financial-user-claim huggingface dataset:
The so called Franklin collection svcs never got any consent neither a court order from a judge to put a derigatory acct on my credit report with XXXX and XXXX. They had no consent to the account they opened themselves and I disputed the illegal account with XXXX and they go ahead an report it at a different day. This is a fraudlant business who never got a consent neither a judge ordered that account to open on my credit that I worked 11 years on making it great with 100 % payment on time. I do n't owe anything and I did n't ignored or missed any pmt. I demand from this company to stop retaliation and harassing me and go find something legal to do. This company is disease and needed to be stopped. I urge our officials who read this to make an end to the so called Franklin Collection SV SOMETIMES THEY USE SERVICES AND THAT WAS JUST SHOWING THEIR GREED TO RUIN EDUCATED PEOPLE 's financial record no I Wo n't. I will demand compensation for damages and sue this company if it does n't stop harassing me.
Have tried to work with XXXX XXXX and Transunion over the past 8 months to fix problems related to 5 late payments that incorrectly posted to my credit report from XXXX XXXX credit card XXXX XXXX  car loan, and XXXX XXXX accounts between XXXX XXXX and XXXX XXXX. They have strung me along telling me months ago that I need to wait for the dispute process and they would get it fixed ... They did n't ... Then once it went over 60 days they declined and closed all my disputes out and I have been unable to reach anyone on the phone or via online requests to get this resolved. The facts are that the payments were posted late due to errors from the companies listed above not posting my payments properly via their online payment systems, which were down at the time and they advised penalties would not occur ... I tried to contact them between the months of XXXX XXXX to the present and have had no success, I heard that you all could help ... I have reached out and put in direct disputes that are now closed with all companies listed above and XXXX Transunion and XXXX and it was never removed or resolved from my account and its really hurting my credit from me being able to refinance my house or purchase a used vehicle ... Please help!
I have applied for my XXXX credit report. I was told I had to send information to show who I was. I provided my state id and social. I have yet to receive my credit report. I did get a letter from the agency again asking for the same information
XXXX XXXX XXXX is acting as a debt collection agency. And is not licensed for it in the state of Illinois. Which it is required to be licensed if you are collecting directly or indirectly under the Illinois Collection Agency Act. 

I realize that there is an exception to the law, if it is a law firm. But the requirement for this, is that the the law firm must practice other area 's of law as well. And this is not the case with XXXX XXXX XXXX. They are 100 % a debt collection agency. 

They refer to themselves in emails and letters as debt collectors. If you visit their website and click " contact us '', they state they are debt collectors. They have job postings for call centers, only to collect debts. No other law firm does this. 

100 % percent of their cases in XXXX, IL are debt collection cases. Over 300 cases! And if you check other cities in Illinois you will find the same thing. 

If they refer to themselves as debt collectors and 100 % of their cases are debt collections. Than they are a debt collection agency. And need to be licensed. 

I also have evidence that they will refuse to take another form of law from a client, since its not a debt collection case. And the type of law, is listed on their website, as an area of practice. Just email me your fax number, and I can fax it to you. 

They claim to practice Commercial Real Estate litigation on their website. When contacted, they will not take a case for that matter. 

They will only accept debt collection cases.
In XX/XX/2018 I disputed an inaccurate account with Equifax. In XX/XX/2018 Equifax responded back saying the account was verified. The account showing inaccurate information is XXXX XXXX XXXX   account # XXXX and XXXX XXXX XXXX account # XXXX I received a copy of a statement from XXXX XXXX XXXX on the Account ending in # XXXX and # XXXX and both statements are showing an address not associated with XXXX XXXX XXXX. I have enclosed the copies of both statements on the account showing the address not associated with XXXX XXXX XXXX the address showing on the original creditor statement is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. I XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX. Please remove this inaccurate account or i will file a suit. All credit bureaus are supposed to report 100 % accurate information. All credit bureaus are supposed to conduct a reasonable investigation. This is not a reasonable investigation as for your company would have caught that the address on the account ending with XXXX and XXXX is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. I received a copy of the statement from the creditor and the address is listed with an unknown address, please remove these account from my credit file. I have enclosed copies of the statement from the original creditor thats reporting on my credit report. My address is XXXX XXXX XXXX XXXX XXXX AR, XXXX and I have sent in my id to confirm my address. you must remove these account this account isn't verified accurate with the address from the original creditor.
Macy 's credit collection keeps calling claiming that i am late on my credit card payment, even though both myself and the customer service department clearly see the marked the payment. I keep asking for a supervisor and get a real XXXX attitude form the people helping me to the point where i hang up in frustration. 

Further more they keep sending my credit card to a bad address locking me out from making online payments and forcing me to go to the store to do so. which is a huge inconvience for me since I live far from a story. 

This is the worst experience i 've had with a credit card and refuse to deal with this unless there is interjection from you or the corporate office or a supervisor.
I purchased a {$100.00}   XXXX   XXXX    XXXX  gift card on  XXXX   XXXX ,   XXXX   and  XXXX  {$100.00}  XXXX     digital  gift cards on  XXXX   XXXX ,   XXXX   fro m PayPal Digital G ifts on  XXXX . When I tried to use these gift cards in  XXXX    XXXX  , I found that the  XXXX  digital gift cards had no value in them anymore. Numerous people have reported similar issues wit h PayPal Digital Gifts. I  contacted  PayPal Digital Gifts re garding the issue in  XXXX    XXXX   and then received a call telling me they would look into it. However, I 've never heard back from them since. I tried to conta ct PayPal Digital  Gifts again but received no response. Therefore, I 'm seeking aid from CFPB and your help in this matter would be greatly appreciated.
My complaint is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I Tel : XXXX. 

I am in the first time home buying process and have asked XXXX XXXX XXXX sending Good faith letters on numerous occasions on my own as well as paid a company to contact them on my behalf of over {$400.00} to remove a negative late payment off my credit file and they have consistently and unfairly refused. 

I have never been late before the incident and after. 

I was out of town on vacation and left my assistant to take care of my affairs and that was the one bill which was an oversite on her part. 

I have a 99 % success payment rating with all three bureaus. 

It is unclear on my credit file when the late payment occured which has been more than two years and no longer affects my credit scores ; it is now XX/XX/2018, I want the adverse item removed. 

It is disturbing, violating and incredulous for XXXX XXXX to hold my credit file hostage over a {$300.00} balance. 

I am filing a complaint with CFPB to urge XXXX XXXX XXXX XXXX to remove the late payment off my credit file.
On XX/XX/XXXX I initially sent a written request to Transunion letting them know that under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. I advised them to not respond to my request by saying that these accounts have been verified. I asked them to send me copies of the documents that they have in their files that were used to verify them. Also, If they did not have any documentation in their files to verify the accuracy of these disputed accounts to delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties They are damaging my reputation and credit worthiness. They accounts in this dispute are. 
1.XXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX   4.XXXX XXXX DBA XXXX XXXX XXXX I never received a response. On XX/XX/XXXX I sent them a personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, is immediately and completely REMOVED from my file. 
It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading or unverified information. 

On XX/XX/XXXX I received a response from XXXX stating that the following accounts could not be verified and they were immediately removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE DBA XXXX XXXX XXXX Per the PROCEDURES and laws stated in 15 U.S.C. 1681i and  its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been disputed BE NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above, I have requested this information be SENT to all CREDIT REPORTING AGENCIES and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT. 
I never received a response yet again. On XX/XX/XXXX, I sent another request to have them follow suit and delete the accounts from my credit report since they have not provided me any documentation of how they verified that these accounts are mine. I have yet to receive a response. They have violated my rights as a consumer. I will be filing a legal complaint if this is not resolved.
In XXXX, my JCPenney Credit card was stolen or lost. I attempted to report this. I continued to receive bills for the full amount. I was willing to pay the portion I was responsible for, but not the amount charged after my card turned up missing. 

After several attempts to resolve the issue with no resolution, I stopped making payments on the account. 

In XXXX, I started receiving harassing phone calls regarding this debt. I explained the situation and told the company I am contesting the amount of the debt. I would pay the amount I owed, but not the amount charged after the card was stolen or lost. 
The company ( XXXX XXXX ) continued to harass me throughout XXXX. I sent a letter contesting the amount owed. 
They continued to harass me by attempting to call using at least a dozen different numbers. I eventually ignored the calls and refused to to speak with them because they refused to acknowledge my contested amount due. 

Now, in XXXX ( XXXX XXXX ), I received a letter from MY XXXX XXXX XXXX SON 'S bank stating that HIS funds were put on hold. My son has a XXXX. He is XXXX. He does not XXXX. However, he did manage to graduate high school in XXXX of XXXX. There had been only one deposit in this account, his graduation gift money. 
I am ONLY on his account for information purposes since it 's XXXX ( in person or on the phone ) with people he does not know, and since he does not XXXX, I am ONLY supposed to be on this account to speak on his behalf when he is unable. 

I called the debt company this morning asking how we can resolve this issue and they were very rude and condescending. I was told that they would NOT take the hold off of my son 's account. I am in the process of providing proof that the deposit in his account is 100 % his money, none of it being mine. They still could n't guarantee that they would remove the hold or even " take '' all his money from the account. 

I then offered to send them the amount of the hold : {$590.00} ( even though this is a little more than what MY original charges were ) just to have them leave my son 's account alone. Again, they refused to remove the hold and will " take '' HIS money. 

I have two other bank accounts in MY name alone, and yet they go after my XXXX son 's account to remove ALL his money. This is simply not fair. I tried to resolve this with the company and they would not offer me any tangible solution for this issue. 
I 've done my research on this company and I found they have a pretty bad reputation as to their means of " attempting to collect a debt ''. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX
I contacted the United States Bankruptcy Court in  XXXX Connecticut on XXXX XXXX, telephone number XXXX and inquired about 2 Bankruptcys that are on my credit report, one from date XXXX/XXXX/XXXX and one from XXXX/XXXX/XXXX. I spoke with Bankruptcy clerk XXXX XXXX and stated to her this is showing on my credit report with XXXX XXXX and Transunion, Bankruptcy clerk XXXX XXXX stated to me they didnt report any Bankruptcy of any kind with my name on it, XXXX XXXX along with another clerk by the name of XXXX stated the Bankruptcy court do not report to any of these agencys. They stated to me they dont know where the got this information from or how, but that didnt provide them this information. And that this information is incorrect.
This company is attempting to collect on a debt that became a judgement on  XXXX / XXXX / 2008 .   In  NYS, the statute of limitations is 10 years ; and up to 20 years ( see attached ), however ; the debt collector must re-file the judgement a year prior to the expiration of the 10 years ( see attached ) This company is illegally attempting to collect on a debt and judgement without the proper protocol and is illegal in NYS.
XXXX client, XXXX XXXX is a victim of identity theft. He was notified of an inquiry made by Ally bank on behalf of XXXX XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX and XXXX credit report XX/XX/2018 related to this application. AN official dispute of this inquiry was sent to Ally bank XX/XX/2018 and to XXXX XXXX XX/XX/2018. Ally bank replied that XXXX XXXX was the party responsible for inquiry removal ; this statement by Ally is incorrect according the FCRA and Ally is now in violation of FCRA guidelines and at this time are in violation of my client 's federal consumer rights.
CAPITAL ONE WAS SUPPOSE TO DELETE THIS ACCOUNT TO SHOW PAID IN FULL.
The vehicle that was on the lease is now a total loss. However, XXXX XXXX XXXX has my account open on my credit report for an outstanding deductible. There is no payment arrangement, so I am not sure why this is still on my credit report. I am receiving 30 day late payment
We began the process of a " Rocket Mortgage ''. After giving information online Quicken needed to get our credit report. After checking our credit ( XXXX and XXXX, for some reason it always comes up less in the mortgage process ), Quicken said we needed to contact them to continue as our income is primarily from rental properties. Had we know this in advance, we would not have approved the credit check and subsequent credit hit we would take from it, and I did let XXXX from quicken know about it. After an hour and a half online, Quicken need my tax returns. I was not quick enough in getting it to their online service and was told they would look at it when it was there and they ended the chat. This morning I tried to load my tax returns and I discovered a letter telling me my loan application has been denied for not having my income supported as I was about to do. This is clearly retaliation as I had indicated I would forward this to the CFPB. Now I have a second " ding '' on our credit for the loan denial. Something wrong is going on here and I hope you will examine it. I do have transcripts of the online chat, and the rejection letter.
OnXX/XX/2018 we had 3 hard targets on our credit that was not authorized. It was at a XXXX XXXX that we attended and found out that they opened a XXXX XXXX credit card in our name we did not authorize that is fraud also there's a Barclays Bank that is on our credit report for the same day and XXXX so that's 3 hard hits that we did not authorize them to run our credit for anything it's all fraud and we want these taken off our credit report now.
I received a letter dated XX/XX/XXXX from Synchrony Bank regarding my Care Credit claim. The letter stated my account would be credited for the amount of the award I received from the claim in accordance with the terms of the CFPB agreement. I received a statement on XX/XX/XXXX that my account was credited {$300.00}. When the claim was initially filed against Care Credit, I was told by Care Credit that the disputed amount on my account was {$390.00}, not {$300.00}. When I contacted Synchrony Bank on XX/XX/XXXX to inquire why the amount was different from what I was originally told, I was informed that the amount had been pro rated. I asked for an explanation on the procedure used to pro rate the award and was told that they could not provide me an explanation because the amount had been determined by CFPB. I informed Synchrony Bank that I wanted to dispute the amount until I was provided with an explanation of the difference and was informed I could not dispute the amount. I asked for a phone number for CFPB which they provided. I contacted CFPB but the representative was not able to explain why my account had been credited a different amount from what I was originally told by Care Credit. On XX/XX/XXXX, I made an online payment to my Care Credit account in the amount of {$5200.00}. When I received my statement, I had only been credited {$4900.00}, a difference of {$390.00}. I contacted Care Credit to inquire about the difference and was informed that the {$390.00} was the amount of finance charges in dispute related the the complaint filed with CFPB. Since XX/XX/XXXX, that amount has remained unchanged and I have received monthly statements from Care Credit indicating my balance was {$390.00}. Since Care Credit determined the amount of my account that was in dispute, I am requesting an answer from the company about the difference. My account now shows I owe a balance of {$89.00} after the {$300.00} credit was applied ( {$290.00} finance charge refund on XX/XX/XXXX and {$13.00} finance charge refund on XX/XX/XXXX ). I feel I should have been credited {$390.00} as I was originally informed this was the amount of finance charges in dispute and the company did not explain why I was credited a lesser amount.
This collection agency has multiple errors on my credit report that are untrue to amounts owed. I 'm being harassed with letters in the mail as well as phone calls daily.
DriveTime/XXXX keeps harassing me and are in no way helping a customer who has been loyal to them. I will continue to file complaints until they fix the issue. As I started before the worthless car is not worth as much as I have paid the worthless care is disabled and the worthless car is probably still at XXXX place because Drivetime will not assist with towing it. You guys keep harassing me and there is nothing I can do to get this car towed you guys have robbed me blind with the car that is not worth it I want to see you guys in court let 's arrange that. You, people, think it is fair to charge people so much for an old car worth less than {$2000.00} how about we go to court and I get all my money back. I feel threatened and harassed by Drivetime and XXXX that is why I 'm so scared to answer. Besides the care been out of my possession since XX/XX/XXXX, my last payment was made in XX/XX/XXXX. Here is what we can do go to court so that I can tell the judge how threatened and stressed out you guy made me. Also, you guys are incorrectly reporting things to my credit report I can and will sue you Drivetime/ XXXX.
I opened a new XXXX account on XXXX XXXX, 2015 and returned the device and cancelled the contract on XXXX XXXX, 2015. This was within the 14 day grace period as specified in the contract. I began receiving bills for an Early Termination Fee ( {$420.00} ) shortly after, and I contacted XXXX on XXXX separate occasions, once on XXXX/XXXX/15 and XXXX on XXXX/XXXX/15 where each time they assured me that the ETF was erroneous and would be removed. 

On XXXX/XXXX/15 I was contacted by Vantage Sourcing , LLC, a debt collector, claiming I owed {$420.00}. I have contacted XXXX many times since then, and after many hours on the phone they still will not remove the charge or even allow me to mail them proof that I returned the device and cancelled the contract within the specified grace period.
My personal data was compromised during the large security breach with equifax from XXXX to XXXX  2017, likely including personal info like SSN, etc.
Collection account XXXX XXXX XXXXXXXX XXXX amount of {$4300.00}. This collection does not belong to me I have sent XXXX XXXX   XXXX XXXX a debt validation they have not responded and disputed this with XXXX and Experian and collection is still being reported
My rewards account, consisting of over XXXX points has been locked by American Express with no communication since XX/XX/XXXX. American Express Membership Rewards Customer Service XXXX XXXX stated on XX/XX/XXXX that this lock is indefinite with no resolution time frame. He submitted a ticket to get resolution, but I was told it could take an additional 4 weeks ( by one of their supervisors ) to respond to the ticket.
XXXX XXXX was disputed with the credit reporting agencies. They verified it and it's wrong. I'm uploading proof of this information. Also I have wrong addresses on all three of my credit reports that are still showing. I've called Experian and XXXX  and haven't received nothing in the mail. Only XXXX. I would like for this is be updated and for this account to come off of my report as It's not 100 percent accurate. Thank you.
Loan was deferred. I was told by a customer service rep that the deferment would be retroactive for the XXXX payments while completing the process. My credit report now shows XXXX late payments for XXXX loans during that period. I have disputed several times and sent emails but they will not communicate on what happened or how we can get it resolved.
I have contacted the credit bureaus on inquiries that were not mine they said they cant take them off. they cant dispute them they remain for two year. this may be the  case if I authorized those inquiries but I did not. they told me to contact the creditors pertaining to the in inquiries which I did. they said I have to contact the credit bureaus. so between XXXX XXXX  and XXXX  I am getting the run around with no type of help