WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX I pulled my three bureau credit report using a credit monitoring service and I discovered an account being collected by ProCollect, Inc., a debt collector located in XXXX, TX. They were collecting on behalf of an apartment complex. They showed I had a balance of {$3400.00}. ( SEE PAGE 19 OF ITEM # 1 ) On XXXX I sent ProCollect a standard dispute letter and asked them to provide evidence of the debt 's validity. I later received a statement dated XXXX that showed a balance of {$1900.00} and included an incomplete breakdown of some accounting that indicated a balance of {$2200.00}. The {$2200.00} included a final line item charge of {$1900.00} with no clear information about what the {$1900.00} charge was for. There was also included a partial lease agreement that was missing sections or pages. ( SEE ITEM # 2 IS EVERYTHING THEY SENT ) On XXXX I mailed them a second dispute letter outlining all the issues I found with their attempted validation. ( SEE ITEM # 3 ATTACHED ) Also, on XXXX I pulled the reports again and saw all of the balances were still reporting {$3400.00} and ProCollect had not marked the item as disputed with any of the bureaus even though they had completed their investigation and sent me their validation documents. ( SEE ITEM # 4 SEE PAGE 14 )  Them not reporting after completing their investigation to update the account is a violation of the FCRA. Finally, as of this week, the account is still reporting with multiple discrepancies with amounts, dates, etc. ( SEE ITEM # 5 PAGE 18 ) In summary, my arguments are they knowingly reported a balance due that was nearly double the amount they had showing in their system. I feel this was a deliberate attempt to extort extra money from me. When asked to validate the debt they could only produce documentation for about {$1900.00} on one item and about {$2200.00} on another obviously far less than they were demanding. Secondly, they completed their investigation in approximately 2 weeks and mailed me documentation confirming it, but they did not report to the bureaus to update the account after their investigation was completed. That is two clear violations of the FCRA and FDCPA.
On XX/XX/XXXX, I send a request to Equifax and XXXX to investigate errors on my credit report. By law, I should have gotten a response by XX/XX/XXXX. I did not. I have not yet received my investigation results. Last week, I even sent a follow-up letter to both. The follow-up letter has also gone unanswered.
We had a second mortgage equity line with XXXX years and years ago. After XXXX folded and sold all of their mortgages we tried to find out who our new lender was with no success. We then went through a chapter XXXX bk that discharged in XX/XX/XXXX which listed XXXX as discharged. We kept our home and made all first trust deed payments on time but still never heard from any lender regarding the second. We had assumed this was because of the bk discharge. Five years later in XX/XX/XXXX Franklin Credit Management contacted us saying they intended to foreclose on our home. We have incurred thousands and thousands of dollars in legal fees, our credit has been negatively impacted and the title to our home is a mess. The major legal issue I have with Franklin is that we never received the service transferring notice that is supposed to be sent within 15 days of a mortgage being transferred to another servicing company. Had they complied with the Servicing Transfer Notice requirement ( or any of the other lenders in between XXXX and Franklin ) we would have been paying them and might have even been able to negotiate a loan modification. However, we were not notified. Franklin Credit Management was responsible to notify us within 15 days of receiving our loan for serving and they did not and it has cost us dearly. We have contacted them multiple times trying to negotiate a settlement or modification. They were rude, disrespectful and unreasonable to the point we had to hire an attorney. I truly believe this predatory servicing company is operating outside regulatory guidelines as it suits their purposes
On behalf of the XXXX XXXX+ customers who had their personal information exposed as a result of vulnerabilities within Scottrade 's security systems, I kindly would like to inquire : Why did Scottrade ignore the following warnings about inadequate security systems? 

The various police/tracking numbers include : IC3 Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 's failure to appropriately investigate the above referenced complaints and law enforcement reports lead to the exposure of personal information of XXXX of customers. 

I am requesting that the CFPB publish this complaint on consumerfinance.gov so that others can lean from my experience. I respectfully request, that Scottrade also provide a public response.
I do n't have any clue of what or who this is.We can go to court on this matter.Highly disgusted with people who stalk consumers for their benefits illegally. Because you can assure You and I we know it 's not an accident. Fight Online Stalkers!
I received a loan through TD Bank for my business. The loan is backed by XXXX. When we did our business plan we asked for {$50000.00}. They only allowed us {$25000.00}. when we finally received the loan, which took forever, renovated the building and then applied for XXXX two common license us. From XXXX, when we got the loan until XXXX XXXX did not come out. XXXX took 5 months to give us our license. it only takes 45 days to become licensed. XXXX fired the lady who did this to us but, we are still in a bad situation. We ask the bank to increase our loan and work out a repayment with us. But they refuse to connect with us. speaking to other lenders, they said that this Bank did I said end justice anyway. Now we are requesting for more funds and to work out a different payment arrangement. We have now become behind on our rent by {$3300.00}. TD Bank should be made responsible for answering consumers questions and making sure that they are knowledgeable of what they're doing. The reason it took so long for us to get our loan is because they kept telling us we were approved and then telling us that they need additional paperwork. My loan officer kept saying she didn't know what she was doing. I feel like they shouldn't have new people in that position if they don't know how to do the job
Over a year ago I was trying to move out of my grandmother home into a place for the first time and every place I applied for would not accept me because I have an eviction on my credit which I never had my own place before as I previously stated. I constantly contacted J J MARSHALL ASSOCIATES INC several times and I kept getting the run arounds. They constantly were telling me they were going to send out a fraud pocket on step to dispute the matter, which I never receive so I reported the situation to XXXX to dispute the matter after a year trying to do it on my own with the company.
I settled an auto repossession debt from 2010 ( i gave the car back because it stopped working because it was a flood damaged vehicle from Hurricane XXXX ). I paid the settlement amount to Credit Acceptance and they acknowledged receipt, and that the debt has been settled. The problem is I am trying to purchase a home and I need to have my credit report updated ASAP to reflect this information and Credit Accept refuses to release the information to XXXX XXXX. Despite the fact that I have authorized them to release the information. Every time XXXX calls them they refuse to release the info and I am told by the credit report people that Credit Accept is refusing to respond to electronic requests to update the information. This does not seem fair especially in light of the fact that the automobile was defective in the first place, and they said they would accept the car back to satisfy the debt ( but then they wound up putting a collection on my credit report ). When i call Credit Acceptance to complain they say they will cooperate with XXXX, but when XXXX calls they refuse to cooperate. I feel that Credit Acceptance is acting in bad faith.
i have disputed this account multiple times with this collections agency. they have refused to provide documents to show any information regarding the origins of this account and have been extremely uncooperative. this account does not belong to me and I want it deleted immediately.
I booked a ticket using rewards miles, and was surprised to find when I checked in ( XXXX ) that I had to pay {$25.00} each way to check a small carry on bag. I know that I would not have agreed to this when I booked my ticket through chase. When I looked at my ticket, it states carry on = free. When I looked at booking other tickets, it is equally unclear on their mobile app about baggage fees. If they want to market themselves as a travel rewards card, they need to be up front and be truthful in their app when you redeem points with carriers. See the screenshots - any reasonable person would be decieved by this. Unacceptable.
I have received notification from XXXX there is a collection added to credit report.I have spoken with customer service at XXXX was informed wrong information until I was asked for date of birth. I was informed this is a medical acct {$85.00} for XXXX  the company do no have any documentation on file to provide to me. This is a fraud acct
We bought a car at XXXX. ByRiders in 2008, a XXXX XXXX which was traded for a new vehicle ( XXXX XXXX ) and the XXXX XXXX was paid off during the transaction! We do lot owe the balance they claim. XXXX XXXX has falsely accounted for a debt that we are not liable for. 

The car they sold us was over priced and had mechanical issues. The debt collection amounts is illegal and we seek help to avoid paying such claim! 

Thank you!
I was billed in XX/XX/XXXX and XX/XX/XXXX for the months of XXXX, XXXX, XXXX and XXXX, XXXX,XX/XX/XXXX. I was attending school during the time of XX/XX/XXXX - XX/XX/XXXX full time qualifying as in school deferment. Somehow I was n't reported being in school at time that led up to fed loan billing me for those months. I did n't realize it until I checked my credit score to make sure it was good enough to apply for a XXXX XXXX with the XXXX XXXX considering that 's what I majored in. Fed loan had reported to the credit bureau as having 2 late/missed 90 day payments which damaged my credit report substantially. I been going back and forth with fed loan for about 3 months now and filing disputes with all 3 credit bureau to please remove the 2 late/missed payments due to an error, misunderstanding or late communication threw fed loan and the school. I have been denied 2wice with credit bureau and this 3rd time I mailed all my school documents and proof of school enrollment and an explanation that caused this error with fed loan, I still was not granted my removal from the credit bureau and at the same time when I was disputing this error I was going back in fourth with fed loan agencies.XX/XX/XXXX I spoke to XXXX his id # XXXX on a recorded line, after going over my account he assured me that within 7-10 days my account would be corrected and I should have not been billed for those months.. ( no change accurred ) XX/XX/XXXX I called back and spoke with XXXX I 'd # XXXX on a recorded line same process again, she said she do n't know why my account was n't updated, she said she will send it to review and tell them to update and removal the late payments and that I should see the changes by the end of the month when they do their reporting to the credit bureau. Still no removal of the late payments but instead fed loan removed my forbearance and deferments from my account and granted me an in school deferment for XX/XX/XXXX-XX/XX/XXXX. Fed loan took deleted a lot of my pay as agreeds and still did n't remove the late payments and when fed loan deleted my previous pay as agreed it dropped my score by XXXX more points making it fall from fair to bad.. So my score was affected twice due to errors and I do n't think that right and they should not be able to control people credit report like that. So now fed loan is saying I was under half time. I took 4 classes in XX/XX/XXXX -XX/XX/XXXX putting me at 12 hours full time, I dropped one of my classes making it 9 hours and at the end of the semester the school reported I was half time but I did n't return to school the next semester so therefore they trying to say I was half time. I did n't register for the next semester so they do n't know if I was registering for full time hours or half time hours. Fed loan is so difficult to deal with and want try to help you in at all. They want admitt to their mistakes and keep giving you the run around and making excuses to fix their mess up. I have all my documents and can prove my request.
Current : XXXX Original : XXXX  Account number : XXXX Agency reference number:XXXX Balance : {$500.00} Someone in my roommates stolen my info opened a XXXX  account for a new XXXX, after I found out it he returned the phone to XXXX and apologized to me. 
BUT XXXX push me to a collection company and make them call me every day that asking me to pay them a early termination fees!
I initiated a wire transfer for {$2500.00} on my account on  XXXX   XXXX ,   XXXX   and on  XXXX   XXXX , I submitted a stop payment request for {$2500.00} and entered  XXXX  in the check number field. A {$25.00}  Stop  Payment fee was charged for the request.  Chase Exective Office,   XXXX   XXXX   XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX .   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , Oh,  XXXX , Care of  XXXX   XXXX , account no.  XXXX . Bank  XXXX  code :  XXXX .
I have disputed this debt with XXXX and AD ASTRA.XXXX did remove the debt but now it is showing back on my report. I have asked this company to provide me with proof that this is my loan. I had a account years ago with XXXX that had to be closed because someone I trusted were getting loans in my name.Ad Astra only provides me with bills. No copies of my id, no documents that I signed nothing I want this removed off of m credit report. I am prepared to get a attorney to help me with this.
I have lived in the XXXX County area most of my life, and I want to continue to live here and do so in my home. I have seen many good times, and recently I 've seen rough times. Unfortunately, I may be forced out of my home by my mortgage note holder, Select Portfolio Servicing ( SPS ), since they have been uncooperative and even deceptive when I try to work out a solution with them. 

My hardship began in XXXX when unfortunately my father passed away and 8 months later my daughter ran away from home. This emotional turmoil tore my family apart, and then my XXXX collapsed in XXXX. In XXXX, my husband and I got divorced ; and to top it off, I even lost my beloved dog in XXXX as well. The combination of all these events is what caused me to fall behind on my mortgage. 

When this run of unfortunate events began in XXXX, I reached out for help and was offered a rather unfair trial modification. I decided to go forward with in order to keep my home, but I was denied for a permanent modification once I completed the trial period due to missing documents that I had submitted many times to them. They kept making me start over with the process using the same reasoning for denial ( missing documents ), always taking my payments for three months before telling me they could n't move forward and that I had to start over. This continued for 3 years (!!! ) until they told me my arrears were now too high and I did n't qualify for assistance. It appears to me that this was their plan all along ... they had no interest in helping me, they just wanted to take my home away via foreclosure. I have being denied access to options that are supposed to be made available. They deceived me, lied to me, and frankly, stole from me while I was acting in good faith!!!!!!! 

Furthermore, I have serious issues with my property value. My property 's present value is below {$600000.00}, which is disturbing when you consider the purchase price we paid was {$1000000.00} with a {$90000.00} down payment. Plus, I 'm in what could be considered a predatory loan. I was somewhat forced into a 3-Year ARM with a high interest rate when I was looking for a 30-Year Fixed Rate loan. 

If I could get SPS to handle this fairly, I 'm sure I would be able to keep my home and make good on my mortgage. I do n't want or need a handout, but considering my financial recovery I am certain that there is a solution that I could qualify for. Is n't that what all this bailout money ( my tax money!! ) passed down from the government to these banks was for? Are n't these modification programs designed for people who had a hardship ( or in my case many hardships ) and have recovered and just need a little assistance restructuring their mortgage in order to move forward? 

I want Select Portfolio Servicing to stop the foreclosure process, review my loan in earnest for retention options, and stop playing games that prevent this problem from being solved.
I had an account with Avant that they sold in 2016. They are still reporting that the loan is 120days past due. They do not have any business with me right now. The loan shows a {$0.00} balance but they are reporting it as 120 days old. I have tried to contact them and the credit bureaus but they refuse to correct it.
Before making the porches I was informed that best buy head a promotion that was 48 months interest free by the customer service. Then I proceed with porches, then with in 6 moths the amount dabble. them I imitated contact the bust buy credit card and they put the account under investigation. then never head anything from them over a month. them continued to contact them about the account and I head enough them I called the city bank the bank said we cant help you it will have to be bust buy, right way I rushed to the store and they said it's still under investigation and waited and never gat anything from them and the next time I head from them the account was in collection
" " '' I have disputed this collection on this XXXX XXXX  for months.XXXX  and XXXX have

reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I have XXXX XXXX Bank Credit Cards, serviced by Elan Financial at XXXX XXXX XXXX XXXX, XXXX ND XXXX. I am current with all my payments. Over the past several month they have done XXXX or XXXX " hard '' credit inquiries with the credit bureaus. When I talk to the credit card service center they tell me there is only XXXX hard inquire done when you initially get your credit card. After that, they do soft inquiries which do not impact your score. This continual hard inquiries sometimes twice a month is driving down my credit score and making it difficult for me to do business. I sent them a letter a month ago with no response at this point. I ca n't seem to get anyones attention. 

When I sent the letter to Elan telling them the problem I attached a copy of my credit report highlighting the enquires. I do not have that with me here at the office today to attach.
I have been working with Midland Credit Management , Inc since the XXXX of XXXX. I called them on the XXXX of XXXX XXXX and spoke with a account manager about how or what I need to dispute this debt that I just found on my credit report when XXXX XXXX from XXXX XXXX. She informed me that I had a debt in collections from Midland Funding, LLC. I informed her that I never had a credit card through XXXX XXXX. So I contacted Midland Credit Management, Inc on the XXXX of XXXX XXXX they told me they would send me a what I need to do and the information they have on the case. The paperwork states it was typed up on the XXXX of XXXX XXXX. Where they give some details about the account. And what information I need to seek if I want to dispute it. So after I received this packet I started filng reports the day of receiving the paperwork on the XXXX of XXXX XXXX. I filed a complaint report on ther FTC.gov for Identity Fraud as per stated in the inforamtion they sent me to get, and I also have contacted my local sheriff 's department to file a police report. The deputy came out to my house on the XXXX of XXXX XXXX and I showed him the information that Midland Funding, LLC sent me. He wrote up his report and gave me a card that had his name, title, phone #, case #, address of police station. I have scanned the business card the sheriff gave me and the report for identity theft report and have faxed the paperwork to Midland Funding, LLC on the XXXX of XXXX XXXX. I called them and spoke with Account Manager XXXX, he said they have n't recieved the fax, and to wait 3 business days for their company to receive and upload documents to their system, but I could also email. So I emailed them on the XXXX of XXXX XXXX. I have been calling them every week to keep hearing the same information to call back next week or the information you sent is Invalid and they will contact their legal team to see why infomration ( police report, and FTC Identity Theft Report ) is invalid, and inform me to call back every week. So I 've had enough and trying to take this to a higher level.
I am looking into buying a home pulled up my credit report and seen a fraudulent cell phone account XXXX XXXX  # XXXX I do not have a XXXX account for {$3300.00}. I have several unauthorized inquires for lenders I do not recognize. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX VIA XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX VIA XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX VIA XXXX XXXX XXXX
Re : Wells Fargo Credit Card On XXXX I made a payment of XXXX on my account but realized I had done a cash advance in error. Immediately noticing my mistake I called the bank and talked to someone in the checking dept. who made the payment for me. She the transferred me to the credit card dept and the gal told me she would reverse the transaction. 
On XXXX I looked at my account and the reverseal was not made. I called the credit card dept again and spke to another gal who said she would reverse the transaction, instead she reversed the payment in error. 
On XXXX I again called the credit card dept and spoke with a supervisor named XXXX and asked me to call back again when the deposit posted to my checking account and all the fees and reversals would be adjusted, On XXXX I checked my account and now had a late payment of {$15.00} and called again. XXXX told me to make the payment and then call back when is was made and all the adjustments would be done. 
I believe I have been getting the run around and the bank has ignored my calls and emails. Please help