WillisBack/dataset-financial-user-claim huggingface dataset:
Credit Management LP d/b/a XXXX XXXX I returned my cable box to XXXX when I cancelled my service with them, and they charged me {$82.00} for this box. I was able to dispute the bill and have it removed from XXXX   and XXXX, but it is still showing on my XXXX credit report, and I can not get them to remove it. When I disputed it with XXXX, the response was that it is valid - completely different than the XXXX and XXXX credit responses. I do not owe this debt.
COLLECTOR FAILED TO DISCLOSE DATE ON RIGHT TO DISPUTE/VALIDATION REQUEST LETTER. THIS BEHAVIOR IS DECETIVE AND MISLEADING THE CONSUMER IS A VIOLATION OF CFPB-PROHIBITION OF UNFAIR, DECEPTIVE, OR ABUSIVE ACT. ( DODD-FRANK WAL STREET REFORM AND CONSUMER PROTECTION ACT. SEE ATTACHED. ALSO, XXXX NOTORIOS FOR SENDING THEIR DEBT TO COLLECTION AGENCIES PRIOR TO VERIFICATION OF DEBT PAYMENTS.
COLLECTION COMPANY MCSI INC XXXX XXXX XXXX XXXX XXXX, IL XXXX # XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX is reflecting a collection attempt for this violation. I disagree with the cities finding and demand that this collection company remove their attempt off my personal credit report
Nationstar ( Mr. Cooper ) is putting my home at risk by not working my file in a timely manner. At issue is a value dispute we submitted on XX/XX/XXXX as Nationstar has my property over valued and I am trying to sell my home. As of XX/XX/XXXX we still do not have an answer on that value dispute. That value dispute should take no more than 10 days to respond to and we are going now on a month. They have set a sale date on XX/XX/XXXX which is against dual tracking laws since my property is under review for a short sale. This is a violation of CAHBOR.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX PROFESSIONAL ACCOUNT SERVICES Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PROFESSIONAL ACCOUNT SERVICES I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX , XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX
XXXX/XXXX  ( XXXX ) This account was opened in XX/XX/XXXX XXXX last payment was XX/XX/XXXX and should have been closed or charged off 90 days after starting the clock for the 7 years of charge off reporting XXXX XXXX re-aged the account to show closed on XX/XX/XXXX as a Charge off.

I also contacted the big 3 credit comps. and they wont change it even though the dates are reporting for my last payment. 

This account should be removed from my reporting due to age of 10 years plus from last payment.
I have been in poor health since XX/XX/XXXX. I fell behind on payments. I can not repay all missed payments at one time. 
Loan servicing was sold to Wells Fargo XX/XX/XXXX. 
Wells Fargo approved a forbearance on XX/XX/XXXX. But they did not rescind the default, and they are continuing with foreclosure proceedings. 
I again reapplied for a forbearance on XX/XX/XXXX, but that was denied. 
A notice of default was posted XX/XX/XXXX. 
A notice of sale was posted on XX/XX/XXXX. Sale date is XX/XX/XXXX. 

I am requesting Wells Fargo to followup with the forbearance they approved, and to stop the foreclosure proceedings.
I am a victim of identity theft and these accounts on my credit report are fraudulent. I have been living in my house in Pennsylvania since XX/XX/2012. I have never took out a credit card or auto loan ever before. I am a mother of XXXX and this has been causing me a lot of stress. I want these accounts to be immediately removed and blocked from my credit.
I opened an account in Chase Bank in 2012. I am a XXXX and I reside in my home country XXXX. I suffered from identity theft. All my personal information was stolen I do n't know how and these hijackers or whoever dos this made several transactions to XXXX different people, I do have their names and I know they are located in XXXX XXXX. Unfortunately, I found out about this about 8 months after when I tried to acces my account and it was bloked. I flew to USA as soon as I could to find out what happened, it is then when I found out about my money being stolen. The bank took some days to investigate, but they end up closing the case. According to their policy if I did n't complaint before 60 days there is nothing they can do to get my money back. Now I 'm in XXXX because I was told the main office is located here. I already file a police report and I want my case to be reopen so can persist on getting my money back. It was about {$16000.00} that I saved with very hast work. Please share my story so this does n't happen to many more people. I hope to get my money back though you. Please help me to show that these money transfers were not made by me. Thanks for your time to this matter.
Someone stole my check book, wrote themselves multiple checks, forged my signature, and cashed the checks worth {$6000.00}. I filed a police report, printed out the fake checks, and gave them to the bank so they can pay me back the money taken from me. It has been a year and a half, nothing has happened.
EQUIFAX will not give me my so-called free credit report. They exposed me to identity theft and now block me from seeing the data they have collected me without my knowledge.
Please review previous Consumer Financial Protection Bureau Case Number # : XXXX. I want Professional Placement Services to close the account, XXXX out the balance, have the account removed from my XXXX credit report, and not sell or transfer the account back to XXXX XXXX Bank or another debt collection agency, which in turn is going to contact and harass me for the same debt I do n't owe. I am a victim of identity theft and the debt is a result of identity theft.
Trans Union and XXXX have not removed a reported Maryland state tax lien from my credit report. The lien itself does not contain my full social security number or date of birth, therefore, they can not report it on my file.
The last 4 years I have tried and tried. Letters to XXXX, calls, copies front and back, nothing works. The bank tried to help and saw these incorrect items on my 3 credit reports. They advised me what to do. After the year of back and forth letters, calls and getting no where with XXXX and then the loan companies. 2 car loans and 1 home loan in California. I am in Oregon. Name is incorrect on report as well. I hired XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX.  They got some taken off and {$1600.00} later. Its back on my reports. Effecting my insurance, and as you know everything with credit. 
I started the process in XX/XX/XXXX when I first pulled a credit report, advised by my financial advisor. XXXX XXXXautomated system, the caller must answer security questions to speak with representatives, XX/XX/XXXX what credit card did you have? I was XXXX years old. NONE. Incorrect answer the phone hangs up. I ca n't get anywhere with the phone numbers listed. I try online and what to do. Send a letter. Wait 6 months nothing do it again, with all required copies, forms, letter, proof of person. Nothing. I try to call again. Nothing, After a year of this I try to get credit help. I visit and go to meetings with counselors that advise me what to do. Nothing still. Now Two years of dealing with it. Monthly for 2 years, I have a file with proof. I paid a company, attorneys to help. And now its back on AGAIN!!!! I 'm a single mom, XXXX kids and own a business. I do n't have time for this, I do n't steal credit, And it should n't be this easy. Really a number is a persons life now days. CREDIT, Loans, Emergency, homes, insurance, I can go on. And when someone uses what you work hard to maintain and take care of, its beyond XXXX or criminal. Explain this to my son who is XXXX went to XXXX XXXX and needed a car, his broke down. I drive all paid off cars, and could n't even get him a cheap {$3000.00} car. REALLY thats embarrassing. XXXX credit score to XXXX now!!!!!! My name is XXXX XXXX of OREGON. I have filed reports on www.alertsftc.govXXXX, freecredit reports agency, XXXX Sent letters. I am at a loss. Only to say obviously it pays to be a criminal in this country. PROOF is right here. The other cars loans, phones, and Mortgages information I have. In a file at the accountant. I can get those if this goes anywhere, if needed, at this time its just the same rant and go no where letter. 

This person is XXXX XXXX XXXX XXXX {$510.00} a month payment $ XXXX car loan left with 1st investors XX/XX/XXXX. XXXX {$430.00} a month $ XXXX left XXXX XXXX XXXX a joint account with someone. XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX I notified them again, dispute XXXX nothing done about it.
I recently closed on a mortgage purchase with XXXX XXXX for a condo in Illinois. The closing was completed at the end of XXXX 2017 and the loan was sold to XXXX XXXX shortly after closing. XXXX XXXX is the current loan servicer and was the loan originator. Shortly after closing my loan, I began receiving multiple email notifications from XXXX XXXX to obtain a consolidation personal loan. Also, when I login online to view my mortgage account information, the XXXX XXXX promotion appeared. I later received a pre-approval confirmation and was approved for an XXXX consolidation loan with an auto-payment of approximately {$300.00} a month for a 3-year installment loan term. XXXX XXXX was then assessing a {$400.00} loan origination fee which I later discovered and the interest rate / apr range was 22-29 % ( also inflated from the original information provided ). My intention was to use these funds to consolidate various debts which ultimately would reduce my monthly payment obligation ( save me money ) and covert to a fixed installment repayment term. I received several communications from XXXX XXXX confirming my loan was approved and directing me to complete/sign my loan documents to fund the loan. I am including copies of these various communications as an attachment for reference. All of a sudden at the very end, I received an adverse action notice as was advised the loan funds would not be provided. Overall, the marketing information received from XXXX Loans was deceptive and provided clear direction the pre-approval, approval, and loan documents were good to go. Obviously this was a loan consolidation effort on my part which ultimately would have provided benefits in reducing my monthly payment obligation and would allow me to consolidate debt. I will admit the {$400.00} origination fee was not necessarily disclosed upfront at the time initial email communications began, but later in the process as the loan documents were getting prepared for signature I noticed this fee appear. Additionally, the initial interest rate/apr information provided was much lower ( less than 14 % ) than the later documentation conveyed of 22/29 % ( interest rate/apr ). The more I thought about what occurred, I realized how deceptive these communications were especially since I began receiving them shortly after closing on a recent mortgage loan with XXXX XXXX. I hope the supporting documentation will aid the CFPB in looking into this matter further. If this happened to me personally ; this is also occurring to other applicants which simply is n't right. Something is wrong here and an investigation should be conducted immediately.
On  XXXX   XXXX ,  XXXX , I contacted Rushcard via phone. I explained to customer service rep, I would like a copy of my transactions or statement for  XXXX   XXXX   XXXX ,  XXXX . He explained to me he was unable to provide the request. I was put me on hold fo r 5 m inutes. After being on hold, the rep informed me he would send a request to the  Corporate Office,  and I should receive documents requested in  1-3  business days via email. As of  XXXX   XXXX ,  XXXX  I have had any communication or received documents requested.
Shellpoint mortgage is showing we are late on our Mortgage and threatening to negatively affect our credit when we are not late and have never been late. We have corresponded with them over and over again showing them the cancelled checks and proof that all payments since the inception of the loan have cleared our bank account along with the original note and closing statement and they still send us letters showing us as late and will not correct their records even though we have provided proof we are not late. We have sent them certified mail, emails and have spoken to them and they still send us letters showing we are late. They deny receiving the certified letters that we have proof that they signed for. We can attach all correspondence with them showing they are being negligent in this matter and we as consumers should not have to be put this.
I was told that Fedloan Help would consolidate my student loans and that I 'd begin paying the loans through them. The way I understood it, they were now my loan holder and I 'd send them, through auto pay, {$82.00} per month based on limited income ; Income based repayment. Frst payment XX/XX/XXXX. Each month a withdraw occured on or near the XXXX of each month starting XX/XX/XXXX, every month for 13 months Fedloan Help withdrew {$82.00} until XX/XX/XXXX = {$1000.00}. I had no reason to question if my loans were being paid until XX/XX/XXXX when I received a note from XXXX XXXX telling me I 'd missed two payments. I called and said they 'd withdrawn {$82.00} that month. XXXX XXXX informed me that Fedloan Help was not the same outfit. Fedloan Help, I was told, filed paperwork. The reason that had not heard from my real loan holder ( XXXX XXXX ) was that my loans were in forbearance  accumulating interest.
I was contacted numerous times at different numbers calling about a debt that resulted from my ID being stolen along with credit cards bank accounts and anything else that was in my wallet. I have written letters I have told him over the phone and yet it still appearing on my report. I 've suffered enough.
For the past month I have been getting calls from all different numbers, but it 's always the same recording when I answer. They are claiming to be from Apex Resolution Group and stating that I am a person of interest and a lawsuit has been filed against me and to return their call asap. I called back several times, only to get a generic voicemail. I called back a different number yesterday ( one of the many that continuously call me ) and a man asnswered. He claims I owe over XXXX to XXXX and I 'm being sued. I did n't give any personal information because he already had it. My married name, my social, everything. That is startling. I know I had a debt with XXXX but it was settled and that was 9 years ago. So I told him this did n't sound right and he got angry and snarky with me saying he was sending someone to my job to serve me papers. When I told him I do n't work there anymore, he got even angrier and said he would send someone there anyways just to make sure.
I completed and returned the complaint form and they said they did n't receive it so I tried to call and could n't get a live administrator on the phone .My Name is XXXX XXXX and I can be reached at XXXX I would like to speak with someone about my participation complaint.
I have charges on my HOME DEPOT credit card in the amount : XXXX - purchase was made on XX/XX/18 XXXX - purchase was made on XX/XX/18 XXXX - purchase was made on XX/XX/18 XXXX - purchase was made on XX/XX/18 XXXX - purchase was made on XX/XX/0818 I called the credit card company ( HOME DEPOT ) and reported unauthorized charges. 
They competed investigation and concluded that I am responsible for this charges, that I have made all these purchases. 

But I was out of COUNTRY on XX/XX/18 and I can prove it : I have an electronic ticket and stamps in my passport, I was in XXXX on XX/XX/18 the whole day and I also have a proof of it. 

This clearly means that I can not make any purchases on XX/XX/18 and XX/XX/18. I called the credit card company more than a month ago and told them about it ( that I was out of country and town ). They still did not respond to me ( more than a month ago ), but it is clear for me and for  everybody, except Home Depot company, that I can not physically make these purchases. It looks like they just disregarded my statements and still believe that I am responsible for these charges.
I was issued an inaccurate XXXX. Citi sent the wrong numbers to the IRS. They claimed to have paid me {$800.00} in 2018 interest. In fact, they only paid me {$400.00}.
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 in assets.
I co signed a XXXX XXXX from XXXX XXXXs, XXXX in XXXX XXXX, NJ and XXXX quickly change the name of the company to pay back to University XXXX XXXX. My son owed {$10000.00} and they were demanding {$150.00} per month. I co signed the loan and I was trying to pay them {$50.00} per month. Now I found out the balance owed as dropped to {$3400.00} and they are still demanding {$150.00} per month. I can not afford this and I have a print out from CFPB stating " The CFPB is seeking relief for private student loan borrowers who took out Loans after XX/XX/XXXX '' My son went to XXXX in XXXX and never received all the services he was promised. He was ignored when we tried to contact them. Is there any way we can not pay this back? If the settlement allowed Federal loan relief why not also private student loan relief as well? That is not fair!
Consumer Portfolio Services has reported that my car loan was charged off even though I had made payment arrangements with them. They never disclosed to me that they would charge off the account nor did they notify me about this
SALLIE MAE AND XXXX XXXX IS FULL OF XXXX! they dont want to help at all they just care about getting their money even if you are in a financial struggle, unemployed or just dealing with a financial hardship and not able to make monthly payments. i called XXXX XXXX asking to lower may monthly payments the guy gave me no better options except just pay {$220.00} a month then get 6 month forbearance but it makes my overall loan amount way higher. i tried explaining that i cant pay the XXXX but he ignored ne and would n't listen all he kept saying was i could just pay that amount. i wanted to lower my payment or try deferment but sallie mae and XXXX XXXX dont give you that option!. i owe XXXX per month for sallie mae for 12 months then a bigger amount and they refuse to help me lower my payments. im unemployed and my family is in a financial crisis but they dont care. i owe sallie mae about 44.241.76 and XXXX XXXX  XXXX but i cant make payments at this time. and its not fair that only know college tuition is free!!!!
I had noticed on XX/XX/XXXX that my student loan principal had gone up unexpectedly. Upon reviewing my account I noticed that since XX/XX/XXXX my payment plan was changed without my authorization. On XX/XX/XXXX I called Navient to inquire about why my student loan payments were only being applied to interest and not principal. I was unable to gather any information from the Navient representative other than I had {$1000.00} worth of unexplained unpaid interest and that I was on an income based repayment plan. I emailed the company that evening to attempt to gather more information.
My Discover card was taken by my boyfriend and completely maxed out. I never authorized him to use my card. When I found out about the charges I called discover and disputed them. They told me they would take care of everything and get back to me within 30 days. I filled out all the forms they sent me and they asked for a police report. So I filed the report. The investigation came back as me owing the money with the explanation of frequent vendors. I disputed again and send screen shots of my ex saying he would make the money right. They would not reopen the investigation even though I gave them proof. The failed the watch the cameras that would also prove him using my card. Now I'm stuck with {$3800.00} dollars and a 29 percent interest rate..
We have been unable to obtain a copy of an appraisal from XX/XX/XXXX. We were charged {$600.00} for an appraisal to remove the PMI from our loan. My wife and I have made numerous requests for a copy of that appraisal. Instead we have been sent the appraisal from when we first purchased our home in XX/XX/XXXX. I would like to be faxed or emailed a copy of the appraisal we purchased from XX/XX/XXXX.