WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted this complaint to the Better Business Bureau originally but the company never responded to the complaint. 

Portfolio Recovery is violating the laws by inaccurate credit reporting Portfolio Recovery is attempting to collect a debt from me as a collection agency. They are reporting on my credit report as a " factoring company '' and also reporting this account as " open '' and reporting late payments. A collection account is not allowed to be listed this way. This is a violation. I have copies of my credit report to prove that this is how it is being listed.
I received a letter from Capital Recovery Systems located in Michigan. They claim I owe money for judgements to a PA court from XX/XX/1998. This was something resolved with another Court. Additionally, they are claiming ridiculous amounts. 20 years ... really? 

Collection Agencies shouldn't buy ( get consign ) old debt to harass people. I am in process of buying a new home for my Mother. She had a XXXX and the XXXX system failed her ... so I am doing what I can to make her life easier and help her recover. In the midst of making progress, Evil ( Collection Agencies ) try to stop progress. 

HELP!
Chase Freedom card had a 0 % APR balance transfer offer. What they did not make clear in this offer is that any purchases you make per month on top of the balance transfer amount is charged high interest and you don't even get the 30 day interest free period anymore. I don't understand why they would have such a misleading offer. People that avail balance transfer services do it to pay low interest but instead now I'm getting charged monthly interest on an account I never paid interest for because I used to pay my balance off within the 30 day period. They never sent me documentation when I first signed up to explain the offer and are refusing to refund the transfer fees and the unnecessary interest payments.
I was a victim of identity theft in XX/XX/2016. One of the fraudulent accounts was a Capital One 360 Bank Account. I called Capital One and notified them that I never set up this bank account. I sent Capital One via certified mail a month later, an identity theft affidavit, along with a copy of my police report. Capital One assured me by phone several times that the matter had been taken care of and the account was closed. 

I applied for and was approved for a Capital One Quicksilver credit card XX/XX/2016. I have made attempts to register the credit card online with Capital One to make an online payment. However, I am unable to do so. The reason I am unable to do so is because the identity thief who set up the Capital One 360 account set up a user ID of XXXX. Capital One should have disabled any login credentials the identity thief had when I notified them of identity theft. They did not. Now the identity thief has online access to my accounts and I have none. 

The reason I am complaining is because I have reached out to Capital One regarding this twice and encountered long hold times and reached no one who knew how to resolve the issue. Capital One was supposed to give me a call back regarding the matter, as no one accepting inbound calls could assist me. No call back. Capital One did not take my notification of identity theft seriously, they did not disable the 360 bank account that the thief set up. They did not disable the user ID XXXX. Now I have no access to make payments to my new credit card online because they are catering to the identity thief and refuse to help me. 

Since I can not get through to Capital One by calling, I am making this complaint and hoping that the Consumer Financial Protection Bureau can help me to get the protection I need. I hope that online access through user ID XXXX that the thief has to my Capital One credit card and to the bank account which I did not set up can be disabled. 

I have been through the worst experience of my life and knowing that Capital One will not even speak to me regarding this matter is disheartening. By having access to my accounts, this identity thief can compromise this new credit card.
I had an account with XXXX XXXX but was mislead from the beginning on what the monthly payments would be. After that I switched my account over to XXXX who was supposed to pay off the transfer fees but never did. I received Collections calls from a company called Valentine and Kebartas regarding the debt. I worked with them for some time making bi weekly pmts of XXXX dollars. I had paid off almost half of the debt and came upon harder financial times. I spoke to a single rep regularly, but one day when i called back I spoke with a rep I had never before spoke with. I made a pmt of XXXX dollars and made him aware that I would only be able to pay monthly and that I would not be able to afford to pay what I was paying before. He told me that was fine and that he would schedule for me to be called in a month. Following that payment and agreement with the rep, I continued to receive up to five collections calls per day. After a week of receiving those calls during work and at all hours, I finally answered and spoke with the rep that I normally worked with. I asked why I was still receiving calls after having made a payment and worked out an arrangement with the other agent. She told me that the payment I made was not enough and that the account had been sent back by the " System '' and that is why I was still getting calls. After having worked with them for so long and even having made a payment as recently as the day before, that amount of calls was definitely harassment. Statements of my account automatically being sent to the system were also false and misleading. I work in collections and am very familiar with the way an auto dialer works and the work that is taken to load them. Arrangements should not have been agreed to if they were supposedly not " sufficient '' to keep them off of the dialer. receiving collections calls the next business day after having made a payment and agreements, is harassment and not fair collections practices. And blaming those tactics on the " system '' is misleading and a downright lie. 

I discussed witht he rep and a supervisor settlement options to avoid legal assistance or escalated complaints, but was not given any real help. I have already paid over half a debt for a service that I practically never used, and canceled because of misleading and deceptive tactics used by a sales rep belonging to the same mother company, XXXX XXXX.
I have these private student loans from a fraudulent for profit college. The loan documents say school name is unavailable and my graduation year is XXXX. I believe that these loans are fraudulent and invalid. I am asking for forgiveness on all of these fraudulent loans.
Equifax has taken almost 2 months and as you can see it is still in dispute with no date in sight to get back with me. I have been very patient for 60 days
Could n't be more disappointed and angered by Bank of America 's home loan department, specifically XXXX, XXXX ID : XXXX, and his manager XXXX XXXX, XXXX ID : XXXX, at the XXXX location in XXXX. We 've been a Bank of America preferred customer for decades and have excellent credit. We met with XXXX in XX/XX/2016 for a very low risk, low loan to value refinance on our vacation home in Delaware. We explained to XXXX that we rented our home in the summer and spent time there in the off season. We also said we were shopping rates, as low rates were plentiful at the time. He offered us a lock on a 2.75 % interest rate with credit toward closing costs in order to keep our business. We agreed and provided all the required documents. 
Months passed, the general election happened, and the financial environment turned as rates climbed higher. We were relieved that we had a lock but concerned that a simple refinance was taking so long, so we followed up several times with no response. Finally we received a return call in XX/XX/XXXX with news that the bank had a " counteroffer '' for us. It was XXXX bps higher with thousands in additional closing costs. When we said no, there must be a mistake, we have a lock offer, we were told the bank 's guidelines classified our home as an investment property not as a second home, and so they rated it higher. 
Had we been told this in XX/XX/XXXX, when rates were low and lenders were hungry, we would 've gone to another lender we had identified whose guidelines accepted our property as a second home. We did not make that choice at the time because we felt there was value in remaining a preferred customer at Bank of America. 
Our attempts to discuss this with XXXX were met with arrogance and denial. XXXX ' manager, listened with false sympathy, promised to review our case, consider the idea of credit by discount loan points, and get back to us. Again time passed, and when we finally got a response, we were basically told to pound sand and if we wanted to accept their higher offer, it would now cost us even more because of the time that had passed while we were waiting for XXXX promised call. 
Such disregard and disrespect for customers is causing us to move all of our accounts out of Bank of America and encouraging others to do the same.
multiple agencies are making unlawful mistakes : sending my mail willy nilly wo consent reporting move when I didnt move and then refusing to give me an updated report after demand for removal under part 209 FCRA. 

unfair credit abuse and slander and oppourtunity to repair good name after multiple companies, including a chXXXX bankruptcy atty have broken the law and burned me on bad deals. 

refusing to provide a working fax number, or failing to maintain it. 
repeated attempts get cut off at 5 page mark or need multiple ( 100s ) of attempts to go thru. ( companies refuse to reasemble on remote end because of this ) this includes key credit which is supposed to help consumers. 

XXXX chexsystems XXXX XXXX XXXX XXXX all guilty and have lied to me on paper about what they have done.
I was a victim of identity theft on my Experian report I sent letters but nothing has been done if you can please look into these inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I opened an account with XXXX Bank ( they are not even in Business anymore, they were sold to XXXX Bank years ago ) in the mid XX/XX/XXXX. I defaulted on that credit card in XX/XX/XXXX and the debt was sold to XXXX. I know this because of the statement I have now received from Convergent to collect this debt. They list XXXX as the creditor. I have not had any transactions on this account since XX/XX/XXXX. In Texas, you can not collect on a credit card after 4 years. I do not want Convergent adding themselves to my credit report 15 years after this debt was defaulted on.
Discover card contuines to contact me via phone calls at home, work and other family members. They also contuine to send harassing and threaten letters to my home address in which I can attach. Discover Card was first contacted on XX/XX/2016 about this account. It is to my understanding that this company is extremely aggressive and are known to take these type of measures against consumers.
Transunion did their investigation and came back with updated information. Well I called the creditiors which i will list and they all came back and said they have no information on file. how did Transunionninvestigate without calling the creditors to see if this was my account. Also in 2013 i was a victimn of ID Theft which Transunion could havedid a better job at investigating the inaccurate information because it is still on my file. 
1.XXXX spoke with XXXX @ XXXX Account # XXXX ( no record ) 2.XXXX spoke with XXXX Employee i.d . # XXXX @ XXXX Account number is XXXX ( No Record ) XXXX XXXX this is the same creditior so its being repored twice. 
3.XXXX spoke with XXXX @ XXXX Account # XXXX ( no Record ) 4.XXXX Account # XXXX. I have also enclosed a letter from them saying for you all to delate this off of my credit file immediately.
XX/XX/XXXX : Received a letter in mail from XXXX indicating that I requested service from them and they pulled a credit score from Equifax. My score was apparently obtained on XX/XX/XXXX ** No one in our household has ever applied for XXXX. 

With the current chaos at Equifax due to the massive hack, I am unable to obtain my credit report from them. 

Simple web-search indicates that XXXX-Equifax-Unauthorized-Credit-Inquiry has been a persistent problem over many years.
Letter to complain. 


Caliber Home loans is committing consumer fraud by using an inflated value for XXXX and refusing to modify my loan. I wrote several letters to the company and still no reply. they are not following RESPA. They have a date set and want to foreclose on a home that I want to keep. No fact finding was completed during the XXXX process and therefore the adviser did not have full knowledge of property estimate in the complex area. 
Please reply to this letter within XXXX days and investigate my complaint. Because in 2006 I was sold a sub-prime mortgage when in fact there was nothing wrong with my credit history and I had never been refused credit before. Please help me get help from HUD as well. My email is XXXXXXXXXXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ
This is what I know. 

After reviewing, please also see attachments. These are screenshots of emails I received from the company showing return of phone and cancellation of service, followed by a credit to my account for unused service. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I ordered a phone and service from XXXX in XXXX 2015. When I ordered, I paid {$56.00} for the first month of service. I received my phone on Monday, XXXX XXXX. After using the phone for two weeks I decided to return it under XXXX 20 day return policy. I contacted XXXX and told them I was going to return the phone. They provided me with instructions which I followed. I mailed the phone back to XXXX and the processed a credit of {$56.00} to my account. 

I would like to add that the XXXX representative I spoke with about returning my phone assured me that this would satisfy my account with XXXX. I asked that the rep notate my account in case something like this might happen, which unfortunately it did. Maybe that notation can be looked up. I have tried to contact the company and credit agencies but I have n't gotten anywhere via those routes. 

I 'm not even sure what the {$710.00} collection is for. Did they not credit my device return properly? Did they not cancel the service when I called and requested cancellation for some reason? I 've attached two emails that I received from the company ( the one when I ordered and the one when they received my return ) to show that phone was returned in time and cancelled. 

This is impacting my ability to obtain credit and refinance my home, which is costing my family dearly. I believe this is an erroneous error on the part of XXXX that I would like resolved.
PayPal credit is repeatedly calling numbers that don't belong to me and I never provided to them. I am in the process of filing for bankruptcy and want no further contact from them.
transunion began an investigation on XXXX bank XXXX on XXXX/XXXX/2016. 
BY FCRA REGULATION THE RESULTS OF THAT INVESTIGATION WAS TO BE COMPLETED BY XX/XX/XXXX2016.THE INVESTIGATION WAS COMPLETED ONE DAY LATER. 
TRANSUNION CAN NOT CHANGE THE LEGAL RESTRICTION OR PROTECTION AFFORDED ME BY FCRA.TRANSUNION HAS NO LEGAL CHOICE OTHER THAN TO IMMEDIATELY DELETE THIS ACCOUNT.
There was an issues with receiving my monthly statement. I will paying my last known amount. The amount was short by {$2.00} and I was accessed a late fee. I paid more money the next month in the amount {$30.00} to accommodate the previous month shortage. I was accessed another late fees.I was virtually verbally attacked by XXXX and XXXX in collections about the late fees. They were not helpful nor respectful. Considering it was a mistake made by the company XXXX XXXX XXXX. Both representatives should be coached on how to treat customers. I was promised a late fee removal by the original customer service representative. She just did not know how to remove both late fees. That is why the supervisors were requested.
In XX/XX/XXXX i noticed someone using my information to try and get things in my name as a result I have over 10 hard inquiries on my transunion and XXXX report. Anything from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are all part of the fraud with exception of XXXX XXXX XXXX XXXX which is mine from a car loan an XXXX. I disputed all inquiries with all 3 credit reports and only XXXX has deleted them. Transunion and XXXX both denied my claims and they are in violation of my rights and of FCRA. I was told by both reporting agency that my information was part of their breach now my credit scores are affected and they will not do any thing to help me.
In XX/XX/XXXX I was terminated from my employer XXXX. The very next day I called my mortgage company PNC Mortgage to apply for Hardship Assistance and spoke with someone in the Loss Mitigation Dept. The HA paperwork was sent out to me and I completed it EXACTLY as instructed and after a few weeks, was told that I had been approved for a forbearance via mail. I was given a five month period to pay $ XXXX/month based on unemployment benefits and my previous income with my last month being XX/XX/XXXX. I remitted my XXXX payment only to have it returned in the form of a check in the amount of {$25.00} which included the previous months. I was told by a customer service rep that I am in arrearages of {$1900.00} + inspection fees of {$5.00}. The inspection is an unknown person surveilling my home to confirm residency. I have received numerous calls and letters teetering on harassment and the month of XXXX isn't even over yet! PNC backpeddles on their policies and they would not let me a establish a reasonable payment arrangement.
I have multiple inquiries on my equifax report from a XXXX XXXX all of which are impacting my credit report and if they ca n't be removed, I would like for them to be combined into XXXX inquiry.
This company called me in XX/XX/2018 saying I owed a payday loan in the amount of XXXX dollars which was supposed to been an electronic check with XXXX   XXXX that I never even had a checking account thru went to the bank and had the lady in the office pull up my name never had a checking account they then just a saving for a car loan and the lady even called midwest and talked to XXXX and told her I have never had and a checking account they then and never owed any money to them .XXXX was very rude would not give the bank lady any information and hung up on her .I am not paying for something i don't owe and an turning this over for XXXX to be investigated along with that company.She said she sent me stuff to and address i have not lived at for over 9 years.what a scam
I am receiving threatening and harassing telephone calls and death threats from representatives from Diversified Adjustment Service , Inc., for a debt of {$260.00}. The account is an unauthorized and fraudulent account. I have never applied for an account with XXXX XXXX. I am a victim of identity theft. Someone stole my identity and used my personal information to apply and open an account with XXXX XXXX. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX
I have 80 inquiries on my credit report that I did not authorize I have contacted transunion and I also contact the creditors and the inquiries are are still remaining .... Im referring to all the mortgage inquiries ... I was not in the market for a mortgage loan at the time ...
When we encountered financial difficulties that we determined would make it impossible to continue paying our mortgage, we completed a XXXX application to request a loan modification from our lender. It was denied. Several months later we asked for approval for a short sale. Over the next 18 months we received XXXX offers, none of which was approved or rejected by the lender. Instead, the lender : & gt ; & gt ; Took at least a month to reply to each of our requests. 
& gt ; & gt ; Asked for the same information repeatedly, ostensibly because the information they had received was illegible or a month old ( therefore out-of-date ). 
. & gt ; & gt ; Did not return phone calls. 
& gt ; & gt ; Insisted that all communications must go through one person XXXX " single point of contact '' ), who was rarely available. 
& gt ; & gt ; Insisted that all updated materials go through the website, NOT to the " single point of contact. " & gt ; & gt ; Sent us loan modification offers, none of which was feasible, and none of which were requested. 
& gt ; & gt ; Closed the file in the midst of processing XXXX sales offer, necessitating that the process begin again from scratch. 

Ultimately our " single point of contact '' urged us to consider a deed-in-lieu of foreclosure. Once we agreed to consider that option, suddenly the process took off, being approved by the lender within the next six weeks. 

We do not feel that we have been well served by the lender, and instead that they never intended to help us with a short sale. We were strung along until we were in the position where we had to accept the DIL option. This will cause tax liability problems that we were trying to avoid.
We contacted a gentleman by the name of XXXX XXXX who works with American Pacific Mortgage about a VA loan to purchase a house. The escrow was originally set to close at the end of XXXX XXXX. It was then pushed back to XXXX XXXX because we had a short sale on our prior home XXXX of XXXX and for the VA loan it had to be 2 years. That was all fine but then the escrow date moved to XXXX XXXX, XXXX according to XXXX " just to make sure we can make the deadline. '' XXXX XXXX rolls around and we find out that XXXX had not ordered a termite inspection which is mandatory with a VA loan. Our agent called an inspector who was gracious enough to make us a priority and come out the same day. Escrow finally closed on XXXX XXXX with no help from XXXX but by the assistance of our realtor and his mother. When we went to sign the last of the loan docs and the statement said we would be receiving over {$2400.00} back in the form of a check and we questioned that since we had only put down {$1000.00} in good faith. When we got the check for {$2000.00}, we again questioned our escrow agent and she informed us that the mortgage company had given us a credit and this was how they were accounting for it. Just after XXXX, I received a call from XXXX saying that and internal audit had been done ( again, later in the process than normal ) and we had to return the extra money and he would e-mail me with details on how to do that. He never did. I did get a call from our escrow company saything that they had heard from American Pacific Mortgage about the extra money but she said she told them that she could not be sure if we still even had the money. She never mentioned bringing her a check. On XXXX/XXXX/XXXX, I received an e-mail from XXXX as a " follow-up '' about the Overpayment and he said that the VA was aksing for it and the escrow company said they did not have a check. I replied that he never e-mailed me to give me direction on what was to happen. He responded that the escrow office said they called me and that the check was to be returned to them. Thereby, in my option, blaming the escrow company for not informing me when he said he would. I did give a check to the escrow company in the amount of {$1000.00} that this morning, XXXX/XXXX/XXXX. It seems to me, that the mortgage company and XXXX XXXX should have been on top of this situation and not put us in the position of having to return money we questioned not once but 2 times. Buying a house is a stressful enough process without the loan officer forgetting things and then the loan company making a huge mistake. On top of that, founding out that we are responsible to return money the mortage company give us. This is just a poor way to do business.