WillisBack/dataset-financial-user-claim huggingface dataset:
I currently have a federal tax lien filed in XX/XX/XXXX on my Equifax credit report. It does not comply with the new reporting standards, and the lien has already been removed from my XXXX report ( was never on my XXXX report ). Their dispute mechanism merely requests verification of the lien and does not include a mechanism for this particular dispute. Please note that in connection with this submission, the summary keeps reporting my birthday as XX/XX/XXXX. It is actually XX/XX/XXXX. It will not correct for some reason.
I went to a college for  two  weeks, and I still get payments that the admistrator advised me that the payments would stop
im being billed for a credit card that is not mine over 7 yrs old they been stealing my tax returns the orignal creditor is first consumers XXXX XXXX XXXX XXXX account number is XXXX want it droped of my credit report and i want all my money they stold back with intrest
I received notification that XXXX medical collection accounts had been added to my credit file. I investigated the collection accounts with the credit bureaus and the collection agencies and found out that a mistake had been made and another person with the same name had XXXX medical collection account and had been mistakenly added to my credit file. During this conflict, I was trying to close a mortgage loan and because of this mistake, my closing date has been delayed and I have incurred additional fees to try and clear this up.
Unable to get credit profile with Equifax. Credit profile establish with XXXX and XXXX
I submitted a public record investigation request to LexisNexis XX/XX/2017. I received a very vague response, almosrt two months later. Additionally, they exceeded 30-day response requirements as per the FCRA. In my correspondence, I requested the Method of Verification which LexisNexis did not give in clear violation of FCRA.
The mortgage servicer made XXXX errors on my mortgage account in the past two months : First, they automatically credited my XXXX XXXX mortgage payment erroneously to the escrow account. They then claimed that I did n't pay two months of mortgage payments and owe late fees. They also claimed that when I attempted to pay my XXXX XXXX payment, I entered an incorrect bank account number - but they did n't inform me until over three weeks later, thereby making for more late fees. I do n't believe any of this is accurate.
There is a fraudulent    XXXX   XXXX   XXXX    account on my credit report. I have sent an affidavit with a notorized police report stating the false account. The account was opened somewhere a round  2014  and is for an amount totaling around {$15000.00}. I have requested by an affidavit that they provide me with th  e ORIGINAL contract signed which is stated by federal law through the FCRA Section 609 ( a ) ( 1 ) ( A ). They have still not provided me with it. In Texas every creditor is required to be bonded through the Secretary of State in which the    XXXX   XXXX   XXXX   is not. Please remove all accounts from my credit report immediately. Thanks.
I wanted to close my checking account with PNC Bank about a month ago due to the fact they were charging me overdraft fees because my online bill pay was deducting bills only hours before my paycheck was deposited, but it was overdrafting my account. This happened a few times before I gave up and decided to switch banks. XXXX weeks ago, I attempted to close my account and they said I could n't because I had pending charges. I 've gone back every week since, and they have said I still have pending charges. Saturday, XXXX, I went in and they told me I had {$1.00} in my account, but I still could not close my account due to a pending charge. Okay, fine. Today, I woke up and I am {$6.00} OVERDRAWN due to a service charge they hit me with this morning, all for going in to speak to a teller about closing my account. When I called and explained why I was upset, their office XXXX suggested I bring the account to a XXXX balance before coming into the branch office tomorrow to again try to close the account, and she said MAYBE they could refund me the service charge. She said if I did n't add money to this stupid account to bring it to a positive balance, I was subject to a {$39.00} dollar overdraft fee -- the entire reason I wanted to close this account in the first place. This bank is literally out for every single cent they can get off of people. I am underemployed, buried in student loan debt, and I work very hard for my money so paying a ridiculous amount in fees and having to give up time every week to go in and attempt to close an account is really bothersome. Oh, and they wo n't refund my fees, because that 's the entire reason I 'm closing my account down. This bank is manipulative, deceitful, and greedy.
Portfolio Recovery Associates ( PRA ) is engaging in several illegal activities on my credit reports in violation of the FCRA, FDCPA and the FTC laws. 
I have complaints about Portfolio Recovery Associates ( PRA ), involving three different alleged credit accounts where they are performing illegal activities in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collections Practices Act ( FDCPA ) and varius Federal Trade Commission ( FTC ) laws. 

Accounts involved : XXXX XXXX XXXX XXXX/XXXX/XXXX   XXXX XXXX/XXXX  and XXXX/XXXX   XXXX/XXXX XXXXXXXX PRA is making false, deceptive, or misleading representation or means in connection with the collection of this alleged debt. This is both in violation of the Fair Credit reporting act ( FCRA ) and the Fair Debt collections practices act ( FDCPA ) and the Federal Trade Commission ( FTC ). 


Complaint 1 : I have asked several times for PRA to validate this alleged debt and each time they have only responded with a copy of an old bill they generated. A copy of a bill does not validate debt. Under the FDCPA, it is not enough for the collection agency to simply send a printout of the amount owed. I have asked Portfolio to provide proof the debt is even mine by providing an original agreement from the original creditor - they have failed to do so. 



Complaint 2 : PRA purports themselves as a debt buyer. PRA says they purchase delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from consumers who owe such debt. In fact, PRA is reporting themselves as a FACTORING COMPANY with certain credit reporting agencies, and violation various sections of the FCRA and FDCPA 15 USC 1692e ( 2 ) ( A ) by misrepresenting the amount of the debt and by incorrectly characterizing the account as belonging to a " factoring company ''. 

15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false by reporting the account as a " factoring company '' account and by reporting the account status as " open '' 15 USC 1692e ( 10 ) by using false representation or deceptive means to collect or attempt to collect any debt by reporting the account as a " factoring company '' account 15 USC 1692e ( 12 ) by alleging that the account was a " factoring company '' account resulting in the false representation or implication that accounts have been turned over to innocent purchasers for value. 

15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt by reporting the account as a " factoring company '' account to deceive current and potential creditors and to negatively impact Plaintiff 's credit scores. 



Complaint 3 : PRA has " parked '' or " re-aged '' the alleged debt on my credit reports which effectively shows the accounts as open and current debt when in fact, by PRA 's own admission, the accounts were CLOSED BY THE ORIGINAL CREDITOR over 4 years ago, yet PRA is reporting the accounts open when in fact they are not. These alleged debts are outside the statute of limitations for collection and PRA is illegally reporting them as current -- which is illegal per the Federal Trade Commission ( FTC ).
On XX/XX/XXXX I initiated through this system a complaint about an unauthorized hard inquiry from XXXX XXXX XXXX appearing on my Experian Report. The CFPB report number was ( XXXX ) SEE attached File. The CFPB reported back that this company was not in there database, ( as they do handle complaints of erroneous reporting. ) The hard inquiry from XXXX dated XX/XX/XXXX, was NOT initiated by me and is a matter of FRAUD or ID THEFT or other.
Each and every time there is a returned check on my account and I am charged a insufficient funds me, I understand but this extended overdraft balance charge fee, which Bank of America calls a courtesy to their customers is wrong. They will take XXXX check returned and add a {$35.00} insufficient funds fee, then send it thru XXXX to XXXX times at the same amount for {$35.00} overdraft balance charge fee. Making the customer pay as much as {$140.00} for XXXX returned check.
On XXXX/XXXX/XXXX, I sent Seterus, the servicer of my loan, a request to complete a new Escrow Analysis and spread the shortage over 60 months. I sent a follow up XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I have had no response. 
Seterus approved a loan modification XXXX/XXXX/XXXX, but did not perform an escrow analysis prior to the modification, which ended up increasing my payment by {$190.00} per month. It should have been performed prior to the modification. And, a forbearance was approved from XXXX. The Seterus representative advised me in XXXX XXXX that the only thing I would be paying during the forbearance period would be taxes and insurance, then then ended up applying all monies to loan principal and interest. This is the reason for the large shortage. 
This servicer is extremely difficulty to work with. 
I previously filed complaints with you for XXXX reasons : they declined a loan modification 7 times in 4 years, citing that I did not provide all requested documents, which I had fax proof that I had provided, and a second time, in order to have the loan modification paperwork completed, as they took over 7 months to confirm and provide documents. Both times, they stepped up, only with your intervention. I am quite frustrated. 
I believe that I own XXXX of the few properties they could actually make money on if they foreclosed, and either the left hand does n't know what the right hand is doing, or it is with intent, so that they CAN foreclose and make $ XXXX-XXXX. 
They have continually misapplied, suspended payments, and then cited the original note, the forbearance or the modification, wherever it please them and they make the most money. They have also charged late fees and 'inspection fees to be sure I am living in the property ' since XXXX XXXX, XXXX due to misapplication of payments I made, even though the payments were the exact payment they requested for each specific date.I was not even aware of the misapplication of payments or the fees until XXXX XXXX, and they refused me access to the website and stopped sending statements to me due to Chapter XXXX filing in XXXX XXXX. Misapplication of funds also effects principal reduction clauses over the first 5 years of the modification term, and hurts my already damaged credit further. I truly believe this is all with intent, and need an advocate to renegotiate all of this with them, especially reapplication of payments made. 
Please help me negotiate these issues. 
Thank you, XXXX XXXX
Citibank sent balance transfer checks to be used to transfer balances up to my available credit at time of transfer. I submitted a check to 1 of my creditors on XXXX/XXXX/15. I had more than XXXX in available credit. On receipt of the {$1400.00} bal transfer check XXXX/XXXX/15, Citibank decreased my credit limit by {$5300.00} on XXXX/XXXX/15 & refused to honor the check. They sent out a letter after the fact stating bogus & vague generalized reasons. This is an unfair practice that caused a returned item with the other creditor. I have asked them to stop sending me checks because they are misrepresenting. They said they could not stop them from being sent. I am very displeased. I 've been with Citibank for 20 years. I make my payments on time and I pay more than the minimum due most times. I 'd like the matter investigated & that check honorees, as well as them to stop sending me checks unless I request them.
Select Portfolio Serving, SPS, is not acting in " Good Faith '' in the underwriting and preparation of a loan modification which was in fact already granted in XXXX of XXXX by the former bank note holder, XXXX. 
I have fully complied with all their requests for financial information for the past 6 months. They are requesting the same financial information over and over again. I have sent them " proof '' of income several times only to be informed it is not enough. 
I have already given them the following Documents:XX/XX/XXXX TaxesBank StatementsInsurance statementsrental income for the house in questionrental income fore the XXXX XXXX XXXX income for investment property located at XXXX XXXX XXXX XXXX XXXX Fl5 months of consecutive rental income direct from the Federal Government ComputersProfit and Loss StatementsDetailed listing of my ExpensesRMA formAll this information can be verified by my Taxes which were professionally prepared by XXXX XXXX and XXXX XXXX CPA, XXXX New York XXXX 
SPS has formally acknowledged the receipt of this information via email confirmations to me dated:XX/XX/XXXX, XXXX confirmations of receipt XXXX/XXXX/XXXX, XXXX confirms of receipt XXXX/XXXX/XXXX, XXXX, XXXX confirms of receipt XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX, XXXX confirms of receipt XXXX/XXXX/XXXX. In total, there are XXXX separate emails from me that they confirm were in fact received by them. 
Despite my total cooperation and a deluge of information from me which can be easily verified, SPS continues to deliberately delay and or sabotage the recognition of a Mortgage already put in place by XXXX or grant a new mortgage taking into consideration the failures of XXXX and now XXXX Bank to accept my mortgage payment of {$1700.00} for several years. In fact, XXXX had accepted my payments for 9 months. 
I have attempted to correct this situation through personal phone calls, letters and lawyers. To date, no one is listening. 
Once again, the loan had been modified in XXXX and I was current on the payments when the note was transferred to the new servicer. The new servicer required me to re-apply for a loan modification which put me at risk of foreclosure because the new servicer did not accept payments after the loan was transferred. 
Florida is a XXXX XXXX and Foreclosure matters are referred to XXXX XXXX. The bank and I are required to participate in a Loss Mitigation Workout Solution. 
This matter has been placed on the court 's calendar and I submitted opposition papers to a Summary Judgement Motion on the basis that the Note to the Subject Property was not attached to the Bank 's Motion papers. 
There is a sale date scheduled for XXXX XXXX, XXXX and the bank has all the documents to approve a Loan Modification, but is not in COMPLIANCE with FEDERAL GUIDELINES. 
XXXX XXXX XXXX XXXX
I have had a Citibank credit card since XXXX 2016. In XXXX 2016 my card had fraudulent activity and I was sent a new card. Citibank removed my credit card and all my positive credit payment/balance history from my credit report with all XXXX credit bureaus. I disputed it with Citibank and all XXXX bureaus immediately. I spoke with several XXXX at Citibank as well as all credit bureaus. Citibank told me countless times they had submitted the info to the bureaus and I needed to wait 30 days for them to update. I call the bureaus after that 30 days and they state they 've never received anything from Citibank. I have charged and paid on this card religiously since I opened the account. I have gotten no help from Citibank in adding this account back to my credit profile. I am at their mercy as the bureaus ca n't initiate 'adding ' or 'reinserting ' an account, it must come from the lender/bank directly. I am in the process of buying a home and this has dropped my score by XXXX points making me unable to get approved for the home loan. I will be seeking punitive damages once I get this situation rectified.
On XX/XX/2018 a fraud charge for XXXX was placed on my credit card. 
I never went into the store nor authorized the charge on my behalf. 
I never use the card other than emergencies, so I didn't notice the charge. 
My identity was stolen which included Identification my purse my credit cards and my laptop with saved log in information. 
I notified the company regarding this transaction when I noticed a bunch of random charges and accounts on my credit report XX/XX/18 My credit up until this point was Steller and never filed any sort of dispute.

Bank of America denied the claim do to them filing it wrong as a duplicate card rather than Identity theft.

I called and was notified as to a fraud specialist filling out the complaint wrong. 
It was reopened and denied due to someone logging in to my online account. 

They said I should of noticed which it wasn't me due to the fact it was a credit card used for emergencies.
I previously filed a dispute with Experian concerning an account that is being reported by XXXX XXXX XXXX. I asked Experian to delete the information being reported as it is being reported inaccurately. I don't dispute the fact that this was an account that I was responsible for, because I was. This account was charged off and sold with a company that I have been paying over the last few years. My concern is that the information reported with Experian as inaccurate. Upon receiving the results from Experian on report number XXXX dated XX/XX/XXXX, I contacted them by phone. I was advised that the information was verified. I am challenging the verification of the accuracy of the information being reported. I do not believe that Experian is doing its due diligence when verifying information that is being reported. I am including 2 different reports of which XXXX is the creditor. On the report from XX/XX/XXXX from Equifax, they reported that my last payment was XX/XX/XXXX, however, the Experian report shows payment was made in XX/XX/XXXX and XX/XX/XXXX. XXXX and XXXX both deleted this account from my credit report. I know that is not a reason for Experian to delete but the fact that incorrect information is being reported should be. I look forward to your response of this complaint.
I stopped auto payment for several credit card companies and they still auto drafted. I submitted claims with Chase to dispute those transactions. They supposedly filed disputes and said they would recover the funds for me, but then 3months later, they closed my account, and paid {$680.00} from my checking account which now has me overdrawn over {$400.00}! I called Chase and they are unwilling to help. Please help with this matter.
I had been trying to get help from CitiMortgage on a loan modification for quite a while with no luck. I got an approval from Keep Your Home California for {$25000.00} towards my arrearages and CitiMortgage still would not approve the modification. CitiMortgage eventually sent back the funds that XXXX had wired them on my behalf. That is when I hired the XXXX Law Group in XXXX XXXX to assist in getting a loan modification from CitiMortgage. XXXX XXXX was assigned to work on my file and she submitted the loan modification package on XXXX XXXX, XXXX. XXXX has an extensive mortgage background and felt very strongly that I qualified for the modification. On XXXX XXXX, XXXX XXXX spoke with XXXX at CitiMortgage who told her that my loan modification had been denied because the investor does not participate in HAMP and the investor mod was denied due to my " income not being an ongoing source ''. I have worked at my job since XXXX XXXX and do not intend on leaving any time soon. At this time a new single point of contact, XXXX XXXX, was assigned and XXXX told XXXX that XXXX would be calling her in XXXX to XXXX days. She finally spoke with him on XXXX XXXX, XXXX. He told her that it would be best to wait to resubmit the loan modification request until my XXXX loan was paid off. It was paid off in XXXX XXXX so XXXX re-submitted on XXXX XXXX, XXXX. On XXXX XXXX, XXXX the modification was denied again this time because : " The current income and assets provided is insufficient to offer an affordable payment solution ''. The denial letter gave us XXXX days to appeal the denial. On XXXX XXXX, XXXX Citibank filed an illegal Notice of Default against my property. Since I was still in the appeal process this is a violation of the California Homeowner Bill of Rights for dual tracking. XXXX filed the appeal letter on XXXX XXXX, XXXX proving that I do qualify for the loan modification and also contesting the illegal Notice of Default. The appeal was assigned to XXXX XXXX. On XXXX XXXX, XXXX XXXX XXXX told XXXX that the decline will stand per investor guidelines. XXXX asked her what the investor guidelines were and XXXX would not say. XXXX asked her for the XXXX and XXXX XXXX for the Investor which her office had requested but never received in XXXX XXXX. XXXX told her that the request needed to be in writing. XXXX sent out the letter that day and has still not received it so how do we know what the investor guidelines are? CitiMortgage also refuses to rescind the illegal Notice of XXXX.
I had a mortgage through Wells Fargo. In XXXX of 2014 I re-financed my home through Wells Fargo. ( I hoped this would make the process easier ). This year when my taxes/insurance were due, Wells Fargo informed me that my escrow had been used to pay the closing cost for the re-finance. However when I re-financed I was told the closing cost was added to my principal loan so that I would not have any out of pocket dues, which I agreed to. Now they say I owe an additional ( approx ) {$150.00} a month to cover the escrow and have not yet paid my insurance or taxes.
I settled a previous matter via email with Portfolio Recovery Associates. We came to a settlement agreement without validation because I wanted it off my report. This was over 6 months ago and it still has not been reported correctly. I am currently trying to get this corrected with the directly, but it is why I am requesting validation for the matter below. ( I would like this complaint to involve the issue below, but if two matters could be handled at once that would be great too ) There is a current matter at hand that they have sent to collections and I have requested a debt validation via email to them on XX/XX/2018. They just respond with a phone number to dispute resolution although i have communicated with them through email when doing a settlement. I am requesting this because I am not sure they amount they are submitting is correct or if they are the actual owner of the account as the previous account I settled with them was not reported like it was said that it would be. when I setup a settlement agreement they did it through email, so I know they are willing to communicate through that method.
XXXX XXXX XXXX had checking account XXXX with BBVA Compass Bank. He received a wire of {$1300.00} funds from an associate he has been having business with. He withdrew the funds for business purposes within 5 days of receipt. XXXX XXXX XXXX of the bank 's XXXX XXXX, telephone XXXX, option XXXX, then said a XXXX party, not identified, communicated to the bank that the funds in the wire received were his funds and not intended to be wired to XXXX XXXX XXXX account, cited above. XXXX XXXX XXXX then closed this account, stating " fraud '' had occurred in sending someone else 's funds to XXXX XXXX XXXX account, and refused to refund {$170.00} in the account at time of closure. She said she had the XXXX party not identified withdraw the funds. The {$170.00} was from a deposit of XXXX checks in XXXX XXXX XXXX name, not wired in funds. XXXX XXXX XXXX contends in this matter that the party committing the " fraud '' is the unidentified XXXX party who made the allegation that his funds were improperly wired to XXXX XXXX XXXX account. XXXX XXXX XXXX is asking for a refund of the {$170.00} in his account when it was closed.