WillisBack/dataset-financial-user-claim huggingface dataset:
This is my second complaint Against midland with no resolution on account number XXXX. I have pulled my credit reports again due to another alert. Again the midland account has updated a collection as an open collection account on my credit report bringing it current. I 'm beginning to think Midland is now intentionally causing harm to my credit as it has changed numerous of times over the course of the last 8 months. I have disputed and disputed this only to comeback verified as reporting correctly when it 's not reporting correctly. Its showing a payment history up until XX/XX/2016, Showing an updated date of XXXX/XXXX/2016, the account shows open, when in fact it 's not an open collection account.. I am requesting a formal verification of accuracy or have the tradeline completely deleted from my CR. 
I believe this is in direct retaliation due to the disputes and the current XXXX Settlement Case No. XXXX XXXX. The FRCA has guidelines in place that if an account is reporting incorrectly that it must be corrected or deleted according to the metro XXXX CRA reporting guidelines. Midland is shifting the blame once again on the CRA 's and I have submitted proof after proof that it is reporting incorrectly and keeps reporting incorrectly. So either midland is intentionally reporting it, or the CRA is intentionally reporting it incorrectly. I am bringing it again to midlands attention and the FCRA that it is in fact reporting incorrectly. and it should be deleted. This screen shot is directly from the dispute page of XXXX. I 'm not disputing it again through XXXX. I need this taken care of ASAP please. I have talked with the CRA 's and they have told me the only way to have it corrected or deleted is by midland doing it. They can not change and or delete the account without the consent of midland. So I 'm bringing it to the CFPB to help with the issue
My XXXX sisters and a cousin has complained to me stating that they 're being contacted several times a day on a daily basis in terms of having been listed as a reference. They 've also revealed to them the nature of the call and where they 're calling from. I know for a fact that they can only leave their name and number and they 're not even suppose to call my references if I have a working phone number myself.
I have been fighting with XXXX and TransUnion to report proper history for 3 student loans that they continuously report late for months that were in forbearance. My wife contacted the student loan people directly and they confirmed there should be NO late payments reporting for the year XXXX, XXXX nor XXXX and if one call can confirm this why haven't either one of the companies made that call or even asked for the paperwork? I have been working on this since XXXX and have yet to get them to fix the mistake.
I am in a XXXX XXXX XXXX with XXXX assistance. My entire income is taken to pay the patient responsibility part of my bill. I can not make payments. I have explained this repeatedly.
On XX/XX/2017 I saw that I haven't applied for a chase card. I call up the company to tell them that it was mistaken identity but never took it off my credit report. They told me that this will stay on my credit report. I have no idea about this account, can you please take this off!
Dear XXXX Staff, I have been in contact with Experian Credit Reporting Agency ever since the first week of XX/XX/2017. I have repeatedly asked them to remove all addresses they have on file that are NOT mine. I have given them my current address and my former address of nearly XXXX years. However, any other addresses that are NOT mine have NOT been deleted. They also have NOT deleted any Credit Inquires that are more than 30 days old. It 's now been over 60 days and they still have NOT deleted these items at my request. I have also asked them to give me their procedures on how they do enter the information in their computer system and they have refused.
I have a XXXX mortgage with Citimortgage. I requested assistance by way of approval for a short sale. They XXXX made me go through a modification process even though a short sale was requested. It appeared that they purposely waited to start the short sale process as a last resort. After they understood I wanted a short sale ( even though it was stated and requested on their paperwork ) they required that I submit all my documents again because " it was another department ''. After weeks of this repeated process they denied my short sale because the loan was " charged off ''. They continued to keep the process going even though the loan was elsewhere. Now after following up XXXX they have apologized that they have not done an escalation and will " send another email to remind them it needs to be done. '' I started this process with them back in XXXX 2014 XXXX almost six months ago ). In the meantime, my primary mortgage lender has approved my short sale process, I have an eager pre-approved buyer, and the process is being held up by Citi Mortgage. At this point I am concerned that I will lose the buyer and have to start the process XXXX again.
I called Transunion because they once removed the fraudulent debt off of my file and then put it back on there again. Now all XXXX are reporting it again. I told them per the FCRA, they are supposed to investigate and if there is no proof or response, they are supposed to remove it. I called them and they told me to contact the creditor. I told them that I already contacted them and they have done nothing and they basically said it was my problem and it is between me and the creditor. Transunion does not follow the Federal Credit reporting act guidelines. XXXX is reported twice once again on my report even though I notified Transunion that it is a fraudulent debt. I sent them a FTC affadavit and a police report and they still did nothing.
On Saturday XX/XX/XXXX I paid {$460.00} via my XXXX bank account 's online bill pay option ; this payment was issued to BB & T for my auto loan. The funds were transmitted to BB & T via ACH/direct deposit/electronic transfer on Monday XX/XX/XXXX. The funds should have been credited to my loan balance as being received on TuesdayXX/XX/XXXX, however BB & T claims to never have received the payment. 

After I received several collection calls from BB & T with regard to this payment, and after I explained the issue to a different rep each time, I eventually obtained a fax number and was directed to send proof of the electronic payment so that BB & T could research the issue. I obtained this proof of payment from XXXX and faxed this support to BB & T, along with a brief explanation of the issue, on Thursday XX/XX/XXXX. 

I did not hear back from BB & T until the collection calls started again, approximately a week after I sent in my proof. At that time I spoke with a BB & T rep by the name of XXXX XXXX who advised me to send the proof of payment again, but to also send my bank statement showing the completed transaction was drafted from my bank account. I completed this action on Thursday XX/XX/XXXX by sending another fax of the requested documents, along with a more detailed letter outlining my complaint, facts of the matter, enclosures and my request for resolution. 

Today, XX/XX/XXXX, I called BB & T for a status update because my loan balance still does not reflect the missing payment as being received. After speaking with 3-5 different reps, I reached XXXX in the Collections Dept who advised me that recent notes on my account state that BB & T found my supports insufficient and that they now need a copy of the paid check. I explained to XXXX, as I had done in all of my prior contacts with BB & T, that the payment was electronically transmitted to BB & T and that there was no check copy, only the transmittal and trace information which is located on the proof of payment from XXXX. XXXX asked me to email her a copy of the supports I faxed on XX/XX/XXXX so that she could escalate this issue to the appropriate team. 

It has now been approximately 44 days since BB & T should have credited my loan balance with the {$460.00} payment, yet they still have not. I have provided them with supporting information three times now, counting my email this afternoon. I am sure BB & T has charged me additional interest during this time to punish me for this missing payment but this is a processing error on their end ( or on XXXX, however XXXX insists the transfer was completed since the transmittal and trace information is readily available ) and not mine.
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX XX/XX/XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Scottrade Bank Manager XXXX XXXX XXXX instructed me to provide me personal information in a manner that is insecure ( via unencrypted email ). Roughly 10 days after providing the information as XXXX XXXX request, my account was hacked. Scottrade refused to make my account whole and said I was responsible for the hack. 

To warn other consumers, do not trust this company. At the current time Scottrade will not even address my concerns. 

Attached is the correspondence between myself and XXXX XXXX.
CRA VIOLATION ON THE ACCOUNT THAT NEVER LATE. 
CRA VIOLATION / NO KNOWLEDGE / TOO MANY INQUIRIES ON THE CREDIT REPORT.
I have 1 problem its dropping my credit score and should not be.

1. ) Capital One credit card All payments where made on time. I've called capital one and asked about the situation they told me my account balance was {$0.00}, because its been payed on time. but the payment before the last payment stayed on my credit this is the payment made that still remains on my credit saying its not payed XX/XX/2018 {$250.00} My most resent payment was XX/XX/2018 {$300.00} its say between XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX XXXX XXXX   credit card balance increased by {$250.00} from {$0.00} to  {$250.00} I was wondering if y'all could fix this because its hurting my credit really bad. 


please get back to me credit went from XXXX XX/XX/2018 to XXXX XX/XX/2018
Recently, I started trying to establish credit by applying for credit cards. The various companies in which I applied for credit sent me decision letters stating that credit could not be approved as they could not confirm my identity.   Moreover, I was notified that my social security number was being used by someone trying to collect death benefits.     I am definitely NOT deceased and very much alive!   Attached are copies of my social security card and state ID.   Please note that I am not to be confused with my father, who has the same name!   My information should read  XXXX   XXXX   XXXX .
In XX/XX/XXXX I entered into a contract with XXXX XXXX to settle several of my credit card debts, including one with XXXX. XXXX XXXX successfully settled this debt in XX/XX/XXXX. About two weeks ago this debt showed up as a collection on my credit report. When I contacted XXXX XXXX they confirmed it had been paid. They have been working to clear up the problem and said that the collection agency that reported it was Second Round LP. Today I received a phone call, not on my phone but on my sister 's phone ( my secondary phone number ) from someone saying they were from Second Round and they wanted the last four digits of my social security number for identification purposes. I would not give it to them. I told them this debt has already been paid, should never have been put in collections or on my credit report, and would be reported. They said if I would just give them my social security numbers they could help me. I refused and they hung up on me.
Contacted Franklin Collection Service , Inc. About a debt that has already been disputed through XXXX  when it was with another debt collection agency XXXX  removed it due to wrong amount! It appears that Franklin Collection has put the debt back on my credit report when it has already been removed before by XXXX! As it is written by law that if a debt is deleted off your credit report it can not be added back on. 
The amount on debt {$310.00} Last 4 digits of social security number XXXX
My loan started with XXXX then sold off to XXXX and now is with Nationstar Mortgage. Since XX/XX/XXXX I have been with Nationstar and they have now TWICE, took out double payments for the months payment. Example in XX/XX/XXXX they took out XXXX then three days later {$720.00}. Now we are in XX/XX/XXXX, they took out {$720.00} XXXX XXXX and another XXXX on XXXX XXXX. Also, they have been trying to charge me a {$25.00} fee due to insufficient funds in my account when they took the second payment out in XX/XX/XXXX as an unauthorized ACH. Do not bank with them, with will be nothing but nightmares, I have made 4 calls to them and nothing was done. Finally tonight NationStar conferences called my bank to reverse the unauthorized payment for XX/XX/XXXX and I have to file paper work now. 
-pure nightmare
My mortgage was sold twice to new Servicing Banks. Each new Servicing Banks ( Regions Bank and XXXX ) did not offer a bi-weekly payment program. This program is of great interested to me. To manage this lack of service I chose to pay at least 1 month ahead in full and early. After the additional payments were made I submitted partial payments equal to more than half of my monthly mortgage payment intending to create my own bi-weekly payment program. 
I was told that the bank can not accept partial payments even if the payment history is caught up and future payments were already paid. They said any additional payments would go to principal. Since in order to leave the servicing bank I would need to refinance I have no choice but to be forced into living with these unacceptable banking practices. 
To me this is clearly not in the interested of the borrower and is intended to make it harder to pay down the loan early. The excuse that they can not hold a partial payment because of technical reasons is unacceptable. 
I do n't believe that this " Common Industry Practice '' is appropriate or even ethical. If a borrower is up-to-date and ahead on payments they should have the right to pay partial payments on a bi-weekly basis to help with budgeting and early pay down of the loan. 
A consumer should not be forced to stay with a bank because their loan was sold if they do not like the agreement. The consumer should have the right to change banks without cost to them if they do not agree to new payment limitations. At the very lease a consumer should have a say as to what happens to their extra mortgage payments without the constraints of bank procedures that are not in the clients interest.
My home is being repaired right now due to a sewer leak. It has rendered it unlivable, therefore I am living in an apartment until all the repairs are finished. I have been living in an apartment since XX/XX/XXXX. 
About 4 months ago, I realized that my card had not come in the mail, I was still receiving mail at my home, and I called the bank, US Bank to inquire about it. They said it had been activated and there were multiple charges and PIN authorized charges as well. They filed a dispute and issued another card to me and gave me provisional credit. 
Come to find out this was not the only card they had sent out, and not the only card that was stolen from my mail. This went on for about 8 months. I had XXXX checking accounts so the XXXX I always used was fine, it was the other XXXX that the card never seem to come that was getting abused by thieves that had m been stealing my mail. Also they were ordering items and having them delivered to my address, at XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
They got into my house as well and went through my files, now they have a copy of my ID and all my account numbers as well. This is now a full blown identity theft case. 
Now the bank froze both my accounts and they have taken {$11000.00}. Out of my main compromised account and they can not find it. 
They closed another account that had {$1100.00} it. I have yet to receive a check or heard any thing about my funds yet. They were closed XX/XX/XXXX. 
Also, XXXX of the account was compromised with an automatic withdrawal. They closed that account due to the thieves having my account number and opened me another account. Then closed it. Now, just the other day I look on their website and they have reopened the closed compromised account, and there are multiple unauthorized automatic withdrawal from XX/XX/XXXX. I called them about this and they told me that it was reopened from Fraud Prevention to give me provisional credit for some of the debit card charges from months prior. 
I told them it had been closed by me because of the automatic withdrawal that happened about a month ago, and they think that the new account ending in XXXX was the account that was compromised and not the original account. Note : The new account was also closed by them for unknown reasons. 
They are dealing with this very unorganized, they are not informing me of anything going, especially where my funds are. I am scared they lost them. I need some help dealing with them because I seem to get a different answer every time I call them. Explaining the situation over and over again. Last time I spoke with them, last Thursday XX/XX/XXXX, they were talking like the accounts were abused by me and that they were investigating me now,. I am the victim of a major Identity Theft and I want to use my rights against the banks accusations and I want them to find and released my money to me. If they do n't I might lose my house and car.
I was shocked when I reviewed my credit report and found multiple inaccuracies on my credit report. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
XXXX XXXX continues to report erroneous inquiries and public record information related to a closed fraud investigation in which no loss was incurred. I had written to them, under an FRCA complaint, and they stated that the information would be removed within 60 days. It has now been over 8 months and the Lost/Stolen information is still showing in my credit file under Public Records. They are in violation of the FCRA ...
My husband and I each applied separately at different time about a year or two appart to Citi Card  because they had what looked to be a great cash back program. My husband and I both have excellent credit. They have now declined both of us but the reasons they gave were false. They told my husband that he could not have credit because he applied online and on paper, which he didn't do, but they would not reconsider. They told me it was because XXXX put a hold on credit. I called XXXX who told me my credit was NOT on any kind of a hold or alert and that I had no late payments, defaults or anything. One of the listed bonuses Citi offers is for paying off credit card every month. My husband and I pay our credit card off every month. I believe Citi is looking for people who carry a balance ONLY and reject the rest. The problem is that by applying for a credit cart that the company was never going to approve, then affects my credit because they pull a hard report from the reporting company. This is a SCAM!!!
On XX/XX/XXXX a woman by the name of XXXX ( mumbling last name ) Said she received some documents. She needed my signature and was going to send the documents certified mail. She said I need to be home between XXXX and XXXX to sign for said documents certified mail. If I have any questions or need to reschedule to call them. at XXXX with my claim number. I called back and spoke to a man by the name of XXXX I asked him what the name of his company, he said they are a legal claims office and they handle claims. I asked if he was an attorney? he said no but he could get one if I would give him my social security number.I hung up.I called back the next day and I asked the name of the company I was told it was Regency Capital. I dont know who these people are
Me and my mom bought this house in XXXX. And we got loan from XXXX with adjustable rate. It went go up to 8 % and never go down. 
Then we had business hardship in XXXX and tried fix rate modification but it denied and short sale failed, too. 
One of agency ( XXXX ) help me to prevent foreclosure and i paid every month. 
Three years later i notified i was involved as victim in mortgage fraud when i got a phone call from detective in fraud and cyber crimes. 
Now i tried modification and paid 3monthes trial payment on time to wells fargo but it denied cuz of cloud on title ( slender title ). 
There is 10 people and only one person I know and she was staff of agency. There is no my mom and my name on deed anymore .... 
I WOKE UP IN THE MRN AND I FOUND NOTICE of trustee 's sale ATTACHED MT FRONT DOOR last friday on XX/XX/XXXX. 
Foreclosure sales date is shown on XX/XX/XXXX. 
i am totally lost and i do not know how i can my title back and get modification with principal reduction. 
My house condition as not as much worth than market price as price ... .. 

plz help me how can i do ... ..