WillisBack/dataset-financial-user-claim huggingface dataset:
Procollect has damaged my credit reports and violated my rights. Attempting to collect an unfair debt, also not having a valid license to collect debt in the state of Connecticut. I have complained to my Attorney General, and A Procollect representative responded by saying that my account information and social security number has been mixed up with someone elses. Due to the inconvenience that I have been receiving for months, I want Procollect to send XXXX and XXXX written documentation that they will no longer be collecting on this debt! My credit reports have suffered, and it is a defamation of my character. I have attached an email Between my CT Attorney General and the Procollect representative. Procollect owes it to me to send documentation to the credit bureaus to have this debt removed immediately!!
I have a retail installment agreement with XXXX XXXX, XXXX. ( Control # XXXX ). The company has been accepting payments for 8 months in accordance with that contract. On XX/XX/XXXX I was called into the office to get my GPS device services and the clerk, XXXX, stated that the firm had lost my financial documents a second time. After a very difficult day with the firm I agreed to a few changes in the contract given that some information had previously changed. 

Despite my car note being paid in full XXXX XXXX, XXXX repossessed my car on site with XXXX and another associate blocking in my car. I had to call the XXXX Police to regain possession of my vehicle. 

On XX/XX/XXXX I requested a copy of my complete file so that I could make sure my interest rates and loan terms did not change from the XX/XX/XXXX retail installment agreement. 

I 've made attempts to contact the firm to speak with a manager but have been denied consistently. On XX/XX/XXXX I called and XXXX hanged the phone up. On XX/XX/XXXX I called and was transferred to the maintenance department who " the manager '' ( no name provided ) informed me that the General Manager was present but would not be available to speak to me and he ( " maintenance manager '' ) had the authority to screen and gatekeeper the call. 

The documents I requested via email on XX/XX/XXXX were very specific : 1. A copy of my original retail installment agreement dated XX/XX/XXXX 2. A copy of the Privacy Notice upon signing the loan application. It was not provided to me and the managers at Car Fast Financial has made statements to XXXX XXXX XXXX about the details of my loan. I was later mocked by members of the maintenance department that I was not approved for outside lending ( how did they know that for sure? ) 3. I requested a statement from the company that Car Fast Financial has the physical possession of the title for my car. 

The company has on no way made any attempts to honor any of my requests. I 'm making a complaint in hopes that I can get the information I need in order to avoid legal action.
Wells Fargo has acknowledged receipt of all documents to make a complete package as of  XX/XX/XXXX . I have continued to recieve " missing documents '' letters even though my agent is calling in every 48 hours. On  XX/XX/XXXX  she was told this was submitted to investor for approval, but as of today she was told it was not submitted, there has been no movement on the file, and there are squatters that continue to enter the home which is a problem. We have a buyer who has offered a price that the bank has said they will accept, but as an FHA file, my agent tells me we are needing a doc called an ATP ( approval to participate ) and no one at Wells seems to even be aware of this document or even the process. They have told me there are no timelines they have to abide by and this CAN NOT be correct.
I have owned my home in New Jersey for 15 years and live there with my mother, aunt and live in girlfriend along with XXXX children. I have an FHA mortgage loan that is being serviced by Rushmore Loan Management and I am filing a complaint about the way they have handled my loan. I have been trying for months to get them to review me for homeowner assistance programs that are offered by HUD but have been unable to make any progress. I am transferred from one department to another, documents are lost and misplaced and I am given a boatload of different excuses. This has gotten serious, because now Rushmore has scheduled a foreclosure sale date. I am in a much better place financially and deserve the chance to be considered for these government programs but feel that Rushmore is blocking me from consideration. 

My trouble began in XX/XX/XXXX/XX/XX/XXXX when my now ex-wife and I were going through a divorce. As the divorce became contentious and expensive mortgage payments were missed. We were able to work out an agreement with HUD and Rushmore to get the loan restructured at that time. However, the new payment was based on the income of myself and my ex-wife and the payment only decreased {$100.00}. This new payment was not sustainable as at that time my ex-wife had moved out and was no longer contributing. I continued making the modified payment as long as I could until it was impossible and began trying to reach out to Rushmore to see if we could be considered for a more affordable alternative. 

I was trying to resolve the matter with Rushmore in XX/XX/XXXX when I defaulted but was unable to gain access to my account because my ex had added a password that I was not aware of. As a result I could not get information from their agents or access our payment history online. Once I finally got their agents to engage I was told I needed the finalized divorce decree to proceed. The divorce was still in process so that took me some time. However, once this was all straightened out I have been going back and forth with Rushmore and their agents for months without any type of tangible progress. My financial situation has improved significantly -- I am working as a XXXX XXXX while going to school full time -- my mother lives here and contributes her SSI and my Aunt lives here and pays rent and also my live in girlfriend pays rent as well. There are 4 adults and XXXX kids in our home and all of the adults are helping out with the expenses. We have sufficient income to afford a reasonable payment. The problem is that Rushmore has denied us access to government and internal programs that we should qualify for. There are government backed homeowner assistance programs for HUD loans such as modification, partial claim, special forbearance as well as repayment plans that we should be considered for. I have spent the last several months trying to get Rushmore to  conduct such a review of our current financial information, but have been denied access by their agents. 

Now Rushmore has scheduled a foreclosure sale date in XXXX  even though I have the means to resolve this matter. Please investigate Rushmore and their unethical business practices.
I have several accounts that are not mine that are still reporting on my credit file I have sent copies of my police report and a " notarized '' ftc id theft affidavit I have added a supplemental report from the police department outlining more specific the accounts involved
Capital One was my mortgage company. After I filed a previous complaint with the CFPB, I sent a letter to Capital One to close my escrow account. They sent me a letter back, saying that they had closed it. I pay my own mortgage insurance separate from my payment. About 5 months later, they reopened my escrow account without my permission to force-place flood insurance on my property. I had already gone on the website to upload this document so that they would get it. So now for 8 months, they have been charging me for flood insurance that I already have. Then they told me on the phone that XXXX would now be handling my loan and that a lot of accounts are being transferred to XXXX because Capital One is no longer in the mortgage business. I called Capital One to make a payment and I was told this. I inquired as to whether XXXX was a collection agency and Capital One told me emphatically that they were not. 
Now, I have contacted XXXX to pay on my loan and they advised me that there is a cease and desist order placed on my account. I did not place this on my account. Capital One placed this on my account before it was transferred. So, hence, XXXX could not even contact me for payment. The girl on the phone with XXXX accidentally told me about the cease and desist order, AFTER she even told me that an account manager would call me. Which he can't even call me because of that. Now I have to write a letter to remove the cease and desist order - which I did not even put there in the first place. Capital One needs to get out of the banking business, period. No one who works there can do their job competently.
My loan is currently serviced by CMG Mortgage. They keep telling me that my loan needs to be seasoned or at least five years old before they can remove PMI. Otherwise, my LTV needs to be 75 %. I tried to do a loan modification on my loan, and they gave me the runaround. They also did an appraisal, and the value of the home came back where I would have 80 % of equity. I would like my PMI to be removed. They are unwilling to help me, and we are paying a lot of money for this insurance.
Last Friday my wife and Ii called XXXX  XXXX XXXX credit card division in order to pay and old accounted my wife 's. We were told by the mortgage company we are currently going ough to refinance our home that it needed to be paid and reported to the credit bureau in order to do a rapid restore of her credit. We call XXXX  XXXX XXXX, and they told us we needed to call NCB. Management because they were handling the debt. I asked why couldn't they just call and let them know its being paid. They so no we had to call them. We called NCB they told us it had to be a cash payment through XXXX XXXX we ran out to XXXX XXXX and pulled money out of the ATM to make the cash payment. Monday NCB got payment and sent us a letter that we had a XXXX balance. Today I called XXXX XXXX XXXX to give verbal authorization to allow the credit bureaus to verify the XXXX balance. XXXX  XXXX XXXX said they did have the payment, and it would take them 14 days to get it. NCB said they had already sent it to XXXX XXXX XXXX. Called NCB back and they varied it had been sent. I said it seems punitive to make the customer wait all those days, but the account is paid of. They to me they should have it updated already. The regular wait time is 30 days while the investigate. There was no investigation because it was paid in full. Why make the customer wait another 30 days while you sill put a negative entry in there c edit reports again, but you already have their money. This seems vey good XXXX and a violaltion of the Fair Credit reporting act.
I hired a usbank mortgage banker to give us a mortgage for a house we bought in XXXX California. Our mortgage banker recommended that we apply for a HELOC and use it to complete our down payment for our house. We told him for a period of XXXX months that we do not need it and we would be okay just paying the balance before escrow closes. 
At the day of the closing, my mortgage banker told me to go and get a check for {$29000.00} because the underwriter " goofed up '' and the HELOC will only be availbale After escrow is done. Even thought we did not really want the HELOC, we wanted to make sure it will have the promotional rate of XXXX % for XXXX months according to the flyer we received at the XXXX branch. After speaking to his boss XXXX, I discovered that a HELOC can not be used for a down payment. It is a good thing that we had the money and a personal relationship with the branch XXXX in XXXX to get that check only an hour before we were suppose to sign the escrow papers. 

Theses are the issues : ( XXXX ) We were told that we can use the HELOC for down payment. If we did n't have {$30000.00} in our account, we would have fallen out of escrow. 

( XXXX ) The HELOC rate we received was XXXX % instead of XXXX % on our statement. 

We were in escrow since XX/XX/XXXX because the house was in construction with XXXX, We supplied all the paperwork and payments over a period of XXXX months. We were always told that we should sit back and relax. At the last XXXX weeks of escrow, we were anything but relaxed because everything was going wrong. 

After we finally closed escrow and got the keys we thought it was all behind us but we were wrong. Not only the we did n't want the HELOC and we have multiple emails to prove it. We were told that we should get it and use it for the down payment, which we did n't want to do but we thought that the rate of XXXX % was great and allow us to have more cash in the bank to do necessary repairs on the house. Then, we found out that the underwriter goofed up and the HELOC was n't ready. So, we had to run and get a check for nearly {$30000.00} an hour before escrow meeting. a month later, we receive a statement with 5 % interest rate instead of XXXX %. Then, after speaking on the phone with XXXX, he told me that we could n't have used HELOC for down payment and he is looking into the matter. 

I feel that we were duped into getting a HELOC that we did not want or ask for.
on XXXX XXXX, XXXX, someone other than me applied for an unsecured credit card from XXXX and was denied. 
I received the denial notice around the XXXX or so of XXXX and immediately called XXXX and was connected with their Fraud Department. XXXX at XXXX informed me that they would file an Initial Fraud Alert with the XXXX Credit Reporting Agencies. She was a big help and informed me of the steps that needed to be taken to investigate other possible Identity theft and Credit misuse. She also informed me that due to the fraudulent application using my personal information and the fraud alert placed on my Credit Reports that I was entitled to a free copy of my Credit Files from Experion, XXXX. 
The process in getting those reports is less than stellar and I can not get any automated telephone process to go through nor can I get my file via ANY of their websites! They all want me to pay XXXX or XXXX dollars or can not verify the information that I present during the Identity Verification steps at their site. 
MY COMPLAINT : None of the Credit Reporting Agencies have telephone numbers that will connect you with a live agent! All of the Numbers are for the automated report ordering system and they have all asked for credit cards and wanted to bill me with no option to speak with a live agent. 
My fear is that whoever applied for that card has intercepted the process and without a live agent to speak with, I can not confirm this. 
Also, XXXX of the reporting agencies asked questions about auto-loans I supposedly took out in XXXX of XXXX, asking which of XXXX possible Creditors and XXXX possible monthly payment amounts AND an Installment Account, again with XXXX choices of Creditors and XXXX possible payment amounts! This has me very afraid as I have not taken neither an auto loan or an installment/Finance account since the late XXXX 's! 
I need to resolve this and speak to a REAL PERSON! 
I am trying to rebuild my credit and it seems to me that the reporting agencies just do not care. I am totally frustrated as this is just bad customer service in an industry that is supposedly providing services that include sensitive information that dictates the consumer 's quality of life in this age of instant credit! 
EXPERIONXXXX : Your processes are not user friendly nor are they customer focused and you do not have anything that resembles Customer Service for the consumer 's affected by all the Credit Fraud and Identity Theft that is running rampant in today 's financial industry. YOU ALL XXXX! 
Sincerely, XXXX XXXX XXXX XXXX XXXX, TX
Account has been closed by XXXX a long time due to an issue with payment and the faulty camera they provided. XXXX closed credit account in 2015. They transferred file to a third party. They are still claiming that account is open and they are still reporting missing payments which is innacurate. Account is no longer open. See account status : XXXX : XXXX XXXX XXXX reporting inaccurate information is PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX  and TransUnion consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX, account number XXXX 6. ) XXXX XXXX, account number XXXX ; 7. ) XXXX XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
I received a letter from this company demanding money from me. To my knowledge I have never entered into a contract with this company and they have never provided me a service.
I applied for a refinance loan from PNC Bank in XXXX. The loan was to cover a PNC mortgage and a home equity loan. I am XXXX and my wife is XXXX. We had to cancel a loan application from another company because they asked to copies of cancelled checks from my wife 's clients they wrote to pay her. This is a requirement she can not provide. I informed PNC of this problem when I first contacted them. A loan officer last named XXXX, told me that was not a requirement took my loan application and {$500.00} for an appraisal. XXXX XXXX informed me via email that the loan was approved and gave a closing date of XXXX/XXXX/16. The time was later set at XXXX XXXX. However, at XXXX XXXX XXXX called me and said that the check copies would not be required to close. I told her we would not give the copies ; and even if we could, we could no do it in time to make the closing. I therefore feel that PNC lied to me, misled me, and took my money under false pretenses. I also think that the requirement for the copies was just an excuse to cancel the loan. Had PNC Bank told me at the beginning that the copies were required or that they feel uncomfortable loaning money to the XXXX or XXXX, I would not have proceeded with the application.
Incorrect information is being reported. Company will not update information in a timely manner despite updates being provided directly from creditor. Credit score does not reflect activity. Company should have a faster process to resolve disputes when consumers are impacted by negative information especially when it is incorrect. Consumers should not have to pay for these services and not be able to receive expedited assistance in emergency situations such as when health, housing and transportation are impacted.
On XXXX/XXXX/XXXX I contacted Equifax about a collection debt appearing on my credit report that does not belong to me. Equifax informed me there was nothing they could do to correct the mistake. The alleged debt is from the company AFNI , Inc. in the amount of {$1000.00}. I do not have a signed contract nor any contract with AFNI, Inc. I have never done business with this company. I am not liable, nor am I responsible for collection from this alleged debt with AFNI, Inc. This negative mark is affecting my XXXX XXXX heavily. Please investigate this matter and remove this inaccurate information from my credit file with XXXX.
I have received notification from Valley Empire regarding an outstanding account balance. I contacted them in writing to dispute the debt and provided them with my full account history regarding the debt through the time period they were claiming which showed my account number and that the account was in good standing. I then requested that they verify the debt and contact me in writing only in the future. I received a response in writing stating that the account that was owing was a different account number then mine and I needed to provide information for that one, which I only have one account as it is for a utility service for a single family residence. 

I then received notification from my employer that they had received an employer verification and that when they called them back the company identified themselves as a debt collector and that I had a debt owing. When I called the company regarding this matter they stated they needed to verify my information as they had n't heard from me, I informed them that I had receipts from the certified letters I had sent proving they had heard of me and that the debt was invalid which they objected to until I offered to provide them with a copy at which point they admitted they received the notification but had n't heard back from me. 

I asked that they verify the debt and provide me with proof, I did n't get it. I sent in my full account history and was told that it did n't matter as they have another account number within the same period of time of the full records I shared with them and that I have to provide them with proof of this " other '' account. They received my request for information and written correspondence only and a week later contact my employer for employment verification. They identified themselves to my employer as a debt collector and that they were obtaining information for a debt that I owe. They then denied receiving my request to verify the account information and only acknowledge after I confirmed that I could provide proof, but have yet to send any supporting documents as they claim the burden of proof is on me.
I have no knowledge of this said debt and I would like it removed as it is reporting to credit bureau as an open account and negatively affecting my score.