WillisBack/dataset-financial-user-claim huggingface dataset:
I am very disappointed that this company, continues to operate in bad faith per Federal Trade Commission ( see 15 USC 41, et seq. ), They say they have verified the bankruptcies with the third party company XXXX. I have provided documents from XXXX that there is no bankruptcies in my file. Also I have a security freeze on my XXXX account that can not be accessed by no one but me. So how did they verify and why wo n't they validate who they spoke to or provide documentation bearing my signature??? They 've repeatedly failed to provide me with a copy of any viable evidence submitted by US Federal Bk CT XXXX GA or XXXX I 've asked for " Validation '' and Experian has not provide me any. I provide proof ... ... THEY HAVE NOT!!!!! For the last three months they have said they 've verified but provided no validation. No one for the last 6 months had any inquiry into my XXXX account. NO ONE! Experian, is not being truthful and operating in bad faith, simply for profit. Someone needs to hold them accountable. There is no way they verified or more importantly validated any bankruptcies with my social from XXXX! I ask that you reopen this dispute and get to the bottom of there deceitful actions!!!!! They are saying they did an investigation, when in fact they have not! They have no access to my file, cause if they did, they would be deleting the incorrect data on my credit report!!!!! I have the proof, they do n't ... ... HOLD THEM ACCOUNTABLE!!!!!!! I am asking for " VALIDATION ''!!!!!!!!!!!!!! Here are the statutes in which this company is in current violation : 1. Falsely representing the amount of alleged debt and therefore violating FDCPA 15 USC 1692e ( 2 ) ( A ). 2. Failing to report an account as disputed within 30 days on my credit reports after receiving my requests for debt validation, thereby violating the FCRA 15 U.S.C. 1681i ( c ) Notification of consumer dispute in subsequent consumer reports. 3. Failing to accurately report information on my credit report, thereby violating the FCRA [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. This is a demand for a response, on point, in writing, hand signed, and in a timely manner, agreeing to remove this listing from my credit reports and any other entity that reported this information to. Any other action or in-action on your part and this will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against this company for violation of the Fair Credit Reporting Act, the Fair Debt Collections Practices Act and Defamation.
on XXXX-17 began sending Ad Astra Recovery Services multiple documents to show proof that I had any debt owed. Even though they did reply with documents, the documents were rejected because they did not show that i made a contract direct with Ad Astra Recovery Services. They are a third party interloper. On XXXX-2017, one day after they confirmed receipt of the estoppel with fees, they replied back trying to collect money and did not pay the {$100.00} dollar fee as listed in the estoppel. When they did that, they violated the estoppel. I replied with a bill in the amount of XXXX due no later then XXXX-2017 in which they have ignored and have not paid. There are also late fee charges of {$1000.00} per day and as of today the total is {$12000.00}. I think they did this on purpose and i consider this abuse. They have failed to pay and still has me listed on the credit bureau. This company is neglecting my common law rights and is flirting with being a abusive company.
I had an account with US Bank. Because of the many customer service issues I had with the bank I decided to close my account. I made sure that all pending transactions were covered before closing the account and withdrew my money out of the account. My account does not even exist when I log into US Bank. A few days ago, I received a letter from XXXX XXXX XXXX, stating that they were collecting a debt on behalf of US Bank in the amount of $ XXXX.When I called US Bank 's customer service and explained the situation, the CSR informed me that there was a write off amount associated with my account but she could not see how much it was or where the charge was coming from. She referred me to their accounts recovery number. I called the number she gave me and was told that the recovery department only took payments and that she could not look into my account. She told me that I should go to the bank where I closed my account and speak with them.I went to the branch today and spoke with one of the bankers there. I explained the situation, and after much discussion, was referred to her manager. The manager explained to me that he could not help me because it had already gone to collections. He said, " It was out of his hands ''. He went on to tell me that I should, " look on the bright side. It 's only {$47.00} '' I exclaimed that I did not want to hear his excuses and he immediately walked me out the door.
numerous phone calls at all different hours with a recorded message that they are calling about a debt a have and to please call asap or action will be taken Company is called Pro Placement Services -XXXX I called them from a different # and talked to a girl- asking what they do & why the phone calls etc she refused to tell me anything unless I gave her my name etc. I hung up!
This account was written off fro m Ally Financial ...  It needs to be removed from all  XXXX  of my credit reporting bureaus.
In the last 10 years i 've had a couple of wild things happen to my credit but today I 'm complaining to this extent bc I 've reached my patience threshold. Noticed a tax lien ( lol ) and large collections for some credit cards ... thought maybe it was a mistake and perhaps it was because of a name mix up with the bureaus no.. this is simply what happens when your company is based solely on trying to charge for services instead of focusing on the families that rely heavily on their credit scores. Enough ranting, I did attempt to contact XXXX but no luck and nothing came from disputing directly so I feel like i 'm running out of options. Im attaching some required documents per XXXX of the govt sites i 've been to. thank you for taking the time to hear me go on.
So a few weeks back i went into my local td branch to get a new debit card made and to deposit cash, while i was inside i delt with a few different individuals at the branch in XXXX nj. I was assailed verbally while explaining that i didnt agree with a few service fees i was being charged, the bank had not only changed my account status from student to non without notifying me ( which changed the minimum account balance from XXXX to XXXX $ ) but ALSO changed their overdraft fees to make them more stringent, so that even if you made sure to bring the balance to XXXX $ the same business day, they would still charge you XXXX DOLLARS the following business day PER transaction regardless of how the account closed on the day it was over drawn. So i tried to reach someone at a corporate level, noone was to be found, was given the run around verbally, told noone would be available and then eventually told i would receive a call back from a rep within 24 hours, that of course didnt happen. So essentially i was told to shut up and pay the fees even though i was arguing that thety were unjust seeing as how i never received any literature on the policy changes and or signed off on anything, in relation to terms of agreement. the answer from them was literally, oh well it was posted on our website, WHICH is an unacceptable response.
On XXXX XXXX, XXXX I became aware of a data breach of personal and financial credit reporting information held by the Equifax credit reporting agency. Equifax was negligent in the handling of information of potentially millions of account holders, including myself. I verified that my data was breached using the reporting tool located at the following website : https : XXXX As a potential victim of identity theft and fraud due to negligence on the part of Equifax I want immediate resolution of this issue, including costs associated with freezing my credit for my own protection. 

I 'll also be filing a police report, as well as IRS Form XXXX.
My hazard insurance renews this month, and I decided to change carriers. I advised Suntrust Mortgage ahead of time of my decision, had my new carrier provide all of the required information to Suntrust, and advised Suntrust NOT to pay my old carrier. Suntrust ignored my request and paid my old carrier anyway. Now I 've got a policy I do n't want, a new carrier who has n't been paid, and Suntrust refuses to help me. I want the premium they disbursed to the wrong carrier refunded to my escrow, the correct carrier paid, and some sort of compensation paid to me for all of the time I have had to spend trying to unravel this mess they 've created.
XXXX   XXXX   sold moved my mortgage to a debt collector playing mortgage handler ( Seterus ). I have been trying for 4 years to get Seterus to correct my information within their company and what is being reported to the  XXXX  credit reporting agencies. I have filed disputes and made millions of calls to all involved and eac h one p oints the finger at the other but NO ONE is fixing it. I have called   XXXX   XXXX    who also contacted Seterus to fix the issue and was told they had to close the claim as the company said they would resolve it. It is not resolved and I can not get a re-fi because my credit is messed up and they refuse to look at me until it is right. Credit reporting agencies can not fix it unless they hear back from mtg company and  XXXX  has dropped the account all together off my credit. I have now lost out on the lower interest rates and am being held hostage by this company. Attorneys want to much money and NO ONE cares, within the government or their agencies, that there is fraudulent info on my acct.
My complaint is about Niagra Capital Recovery - collection agency recently form in NY. 
This is a debt collection Agency who refuses to give me a physical address. Instead, all they gave me was a XXXX XXXX XXXX 
Their tactics have included : falsely identifying themselves as a lawyers office or a mediation firm. Additionally, they have threatened arrest and stated that someone from the Sherriff 's office would be coming by to arrest at XXXX. 
Additionally, they have restated back personal information to identify that they know " what car you drive '', etc. 
Additionally, they have spoken with other members about the debt other than an immediate spouse. 
I have today filed a CEASE and DESIST letter with the agency. 
I have today spoken to the original debtor -TD Bank XXXX who apparently sold the debt to another company and who apparently sold the debt to NCR XXXX Niagra Capital Recovery XXXX. They state that they have begun to have complaints about this company and asked me to send them a copy of the Cease and Desist letter. 
The original debt was about {$150.00}. NCR has asked as much as over {$1000.00} or threatened arrest. 
These people need to be shut down. 
I have contacted an attorney on a cursory level who informed me to submit a cease and desist letter.
Transunion is incorrectly reporting me as an Authorized User on XXXX card ending in account # XXXX. I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User and XXXX and XXXX have removed this from my report but Transunion has not. I have contacted the bureau to fix this issue but they have not fixed it yet. The negative information is harming my credit score.
I have had a Macy 's credit card account for several years. I keep a XXXX balance and then in XX/XX/XXXX - Macy 's decided to close my account without my knowledge. When I went to use my Macy 's card in XX/XX/XXXX - Macy 's decided to open a NEW credit account without my permission or knowledge instead of reinstating my existing credit line account. After SEVERAL attempts via telephone and email with Macy 's - I still do not have access to my credit card account online. I do not have the ability to see my account information, understand my consumer rights or pay my bill. Macy 's continues to show my old account information ( which they closed ) but will not allow me access online to add or view my new credit account information. I have written to Macy 's, called them, waited for them to call me back, and still have no access or resolution to access my credit account. That is the reason I am now writing to the CFPB to file a formal consumer credit complaint against Macy 's.
I have a a unverified account from CMI # XXXX****. I had previously disputed this account. I have never done business with CMI # XXXX****. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CMI # XXXX**** Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CMI # XXXX**** Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
wells fargo has taken 6 mos to help me remove their error on my credit. I had a lease with XXXX XXXX, bought it out from them through wells fargo, wells fargo admitted blame in writing ( see Attached ), however XXXX denied the excuse, and I still have a 30 day late on my XXXX credit report. I have emailed, phoned wells over XXXX times and they still havenot helped me at all, its affected my refi on my home at this time
I have an address I have never lived at.. The address is XXXX XXXX XXXX XXXX XXXX, ok. XXXX I do n't even know how it got there.. Would like it removed please..
My credit report currently shows a collection account from XXXX in the amount of {$3400.00}. The account was disputed and deleted as result of the dispute. The account was added back to all 3 credit reports on or around XX/XX/2017 and the credit bureau failed to notify me within the 5 business days following the unverified account being reinserted as they are supposed to as instructed by the Fair Credit Reporting Act section 611. I have referenced the law as it pertains to matters of this kind below.

FCRA Section 611 ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
I need to file a complaint against Experian for illegally re-aging my credit history for an account that is reporting wrong info to my file. I have not been associated with the account # XXXX XXXX for over 7 years. the information is updating so wrong each month. this account has no balance nor activity for over 7 years and overtimes that I dispute it it comes back verified, active, open and still showing inaccurate lates. It is even showing that I am still " OK '' each month but I DO NOT HAV ETHIS ACCOUNT OPEN NOR DO I HAVE A CAR WITH THIS COMPANY! How are they dong this? I asked for all the testaments and the late to be verified and have received absolutely nothing. I even filed a complaint with XXXX and this company does not exist in your database. I feel very used by Experian, they are careless in their reporting and have done me no justice in providing me with a correct investigation that is required by FCRA law. This company does not exist and these informations can not and have not been properly verified. This account is reposting incorrect info each month and its hurting me. I have had no late XX/XX/XXXX or XX/XX/XXXX as Experian is repeating, this account was not in my possession than and the statue of limitations have expired as this car was returned during my XX/XX/XXXX Bankruptcy
There is an erroneous charge the XX/XX/2017 statement for the amount of {$2700.00}. labeled " adjustment Goods/Services extended payment option '' Reference : XXXX XX/XX/2017. How did this number get generated.In addation I would like to request a " AXP Internal '' audit for the year 2017.
XXXX has been non-compliant with removing the unverified account WF CRD SVC XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that WF CRD SVC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Chase Bank offered to transfer my total balance to their Credit Card .. I was very specific with the man at the Chase Bank in XXXX California that I was not interested in the credit card if Chase was not willing to transfer the whole amount.. I was told with my XXXX credit rating It would be no problem.. then the bank only transfered {$2000.00} which was not what I agreed to.. 

BATE AND SWITCH.. SIMPLE.. I WANT THEIR CREDIT CARD EXPUNGED FROM MY CREDIT REPORT. THE ACCOUNT WAS CLOSED BEFORE THE CARD WAS ACTIVATED..
I have contacted Resident Collect and informed them the amount they are reporting is not correct if any balance is owed. I informed Resident Collect that I spoke with Leasing Agent at XXXX and they were not able to verify any balance owed as my name did not show in their database. I also informed Resident Collect that the documents they have sent me are fabricated. In a previous request to Resident Collect requesting they verify the balance and update my credit report. I also informed Resident Collect of payments I made directly to the creditor and thst my deposit was not showong on the paperwork I recrived. Resident Collect then sends me documents that show the deposit amount on lease was {$10.00} with initials that do not match the initials at bottom of page and they also included a document that indicated a deposit in amount of {$510.00} was the deposit amount received from me. On XX/XX/2016 I received the same documents from Resident Collect this time the the amount of deposit on lease shows nothing the initials were gone andthere was nothing listed where the {$10.00} was previous also the line is removed. On the same document previously sent does not show the security deposit but current amount owed but that is all no description. I informed Resident Collect of the falsified documents received but they still did not verify or correct the issue.
I was told that I was being sued over an unpaid debt from 2012. They said I needed to turn myself into the sherriff 's office to avoid putting myself or others in danger. I have no idea what this is, but I know it 's a scam. The internet is full of complaints about this EXACT behavior, EVEN DOWN TO THE AGE OF THE DEBT ( 2012 ). 

They have called me repeatedly, as well as my XXXX year old mother who lives in a different state. They threaten and use any number of illegal tactics. 

Today this phony debt showed up on my XXXX credit report. I filed a dispute with them too.
The collection agency ( Sprechman & XXXX, PA ) is attempting to collect on a non-valid, non-validated and disputed debt within the thirty-day period in direct and blatant violation of FDCPA 809 ( b ) Validation of Debts. Disputed Debts : Summary of Salient Facts : XXXX/XXXX/XXXX : Date of letter by Sprechman & XXXX, P.A. indicating that your office represents XXXX XXXX, XXXX for an account with an alleged delinquency. 

XXXX/XXXX/XXXX : Alleged delinquency letter was delivered to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

XXXX/XXXX/XXXX : XXXX XXXX mailed letter to XXXX XXXX XXXX advising that collection agency was attempting to collect on a non-valid debt and requesting confirmation that collection agency was would no longer be attempting to collect on this non-valid debt. 

XXXX/XXXX/XXXX : Sprechman & XXXX ( as Attorney for Plaintiff XXXX XXXX, XXXX ) filed a Complaint and issued Civil Actions Summons against XXXX XXXX and XXXX XXXX alleging a breached contract with Plaintiff. Both the Complaint was filed and Summons issued ( these both constitute an attempt to collect a debt ) prior to the 30-days in which XXXX XXXX was in receipt of original alleged delinquency letter. It was also filed after the letter sent to - and likely received by - Sprechman & XXXX informing them that they were attempting to collect on a non-valid debt. 

XXXX/XXXX/XXXX : XXXX XXXX emailed an electronic version of the letter ( that was originally mailed on XXXX/XXXX/XXXX ) to XXXX XXXX of collection agency per XXXX instructions. 

XXXX/XXXX/XXXX : XXXX XXXX was served the Civil Actions Summons at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Serving a Civil Actions Summons is an attempt to collect a debt. 

XXXX/XXXX/XXXX : XXXX XXXX received a letter from Sprechman & XXXX informing me that I have been served with a lawsuit and instructions to call the Collection Department. Bottom of letter states, " This is an attempt to collect a debt ... '' Sprechman & XXXX has had many violations of the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) Validation of Debts. Disputed Debts, by continuously attempting to collect on a non-valid and disputed debt. The open complaint is a continued and ongoing attempt to collect on this non-valid, unverified and disputed debt.
Wyndham Professionals disclosed amounts owed on loan to party not affiliated with loan or non-account holder. Disclosed amounts owed, settlement options, and communicated delinquency status with non-account holder.
ON XX/XX/2018 I submitted a complaint to CFPB in regards to incorrect reporting of my student loans by all of the 3 credit reporting agencies. XXXX responded to the CFPB, investigated and made a number of corrections, deletions etc to my credit report. It is not 100 % accurate but it is closer to the truth.

XXXX and Transunion sent the standard " we will investigate and get back to you responses '' That was almost 120 days ago. They did not add any additional information to the CFPB complaint nor did they investigate or they would have found that the same thing that XXXX did.