WillisBack/dataset-financial-user-claim huggingface dataset:
I have recently checked my credit report and I am showing XXXX late payments on my account due no fault of my own. I requested that my statements be mailed as soon as possible to a different address due to me leaving town on an emergency and not having computer to pay for it online as I usual do. I was informed that this understandable and that all payments were received on time as arranged with the reps. I do not understand why I have XXXX late payments showing on my report when I made a payment arrangement each time and was told I had nothing to worry about and everything was taken care of.
I received a written collection notice from Enhanced Recovery Company , LLC ( ERC ) of XXXX, Florida attempting to collect a debt for XXXX. 

I followed the instructions on the collection agency letter and responded in writing in 2013 to dispute the validity of the debt. My letter included the specific statement : " This account is not mine and should be removed from my credit report. " I went to a local XXXX store and was able to learn that my social security number was among the information used to open the account. Other account information included a State of Georgia driver 's license number and expiration date, mailing address and associated home telephone number for a residence in Georgia. 

Learning that my social security number was used to open this account, I filed a police report with my local law enforcement agency and placed fraud alerts with the XXXX credit bureaus. I completed and returned the ERC fraud packet at that time. 

Now, nearly 2 years later, I am unable to obtain a home mortgage because a credit bureau still reports this XXXX account as a collection item against me ; the other XXXX bureaus previously removed this fraudulent collection account. 

I was unable to receive even a pre-qualification letter from XXXX lender due to the appearance of this collection item, even though the item includes a note that it is disputed.
I have a XXXX credit card issued through XXXX XXXX XXXX XXXX. This account is in good standing and, I have confirmed that the account is being reported to all credit bureaus. The problem is that this account does not show up on my TransUnion credit report. This causes my credit score to be artificially lowered as this is my main card that sees 95 % of my credit card usage. I have tried all means available that I can find short of hiring an attorney to correct this problem. All I ever receive as an answer is another copy of the same erroneous report. Can you help me get this corrected?
hey mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
We tried opening a business Checking account with Chase Bank, Horrible customer service, Employees have NO formal training, they make the stories, or come up with things as they go along , 1st we tried  at   XXXX   XXXX   branch on  XXXX   XXXX , that gentlemen asked us all the Unrelated documents and refused to open the account  2ndlly  we went to their  XXXX   XXXX  Branch in   XXXX   XXXX  , Texas, on  X/XX/17    @  XXXX ,  XXXX   XXXX  was suppose to be the in charge, for opening the account, We waited  30 minutes  for him to get off the phone, & than our surprise, He refused to get out of his room, aft er 3 trips to  his room, by the girl working there convinced him to come out and speak with us, HE comes out, without looking for any documents, asking any questions, Very Rudely, he begin to start giving us the long lecture & asked us to come back Most Horrible experience we ever had We went acros s the street & ope ned our account with  XXXX   XXXX  our associates and partners have agreed to close our accounts with Chase Bank, and discourage as many people as we can going to Chase Bank
For the last three months I have been harassed by Portfolio Recovery Associates alleging that I owe a payday loan from XXXX. I have no knowledge, no paperwork, no site information or no loan number of this payday loan they allege in the amount of {$300.00}. Secondly, the statute of limitations has expired in California for them to collect on this " alleged '' debt. I have sent them a cease and desist letter, yet they keep calling my home and my daughter 's cell phone. Apparently the lawsuit executed by CFPB against them has not worked as they are still using false and erroneous information and threat tactics ( they threatened me over the phone with a " warrant '' ) to get money that they can not even prove that I owe. And even if I did owe it, ( I 'm not saying that I did owe it ), the statute of limitations to collect on debts in California is 4 years. We also declared Chapter XXXX bankruptcy in XXXX, which was discharged XXXX/XXXX/XXXX.
The company Apelles is harassing me by calling my phone number for a debt that is not mine. The company continues to call asking for a person named XXXX XXXX. I am not XXXX XXXX. the phone number they are calling is not nor has it ever been XXXX XXXX 's. my name is XXXX XXXX. I have no idea who XXXX XXXX is. I have had the same phone number for over 20 years. I have called the company Apelles and told them that they have the wrong the number. They state that they will put it on their records and stop calling, however they keep calling me.
PayPal complaint Account : XXXX ( XXXX ) This is my second complaint against PayPal Inc, PayPal Credit within one month ( see case # : XXXX ) Upon my first complaint PayPal Inc responded in a childish manner that they feel as though anyone ( me ) opening account with PayPal is  taking oath for life to provide my bank information. 

No, PayPal Inc. I didnt marry you. 

PayPal have underperformed for quite a long time with me, doing business the way PayPal ill written policies are. I am not OK with this type of business, and I am done with PayPal. 
PayPal Inc, PayPal Credit does not respond to emails ( screenshot attached ) as normal businesses do within usually 24 hours. 
PayPal Inc, PayPal Credit treats customer as a nuisance not a business partner.

I believe PayPal is governed in our country by the same laws that govern all banks and financial institutions. 

Over the years I opened and closed more than 20 accounts with banks and other financial institutions. I paid up my balances and closed those accounts. 

PayPal has the audacity to reply to complaint I wrote to FTC as though the laws of USA do NOT apply to their institution. 

FACTS : Upon receiving statement on XX/XX/18 asking me to pay/cover my balance of XXXX I sent payment by check ( check # :1 screenshot attached ) On XX/XX/18 PayPal Credit posted check to my account ( screenshot attached ) On XX/XX/18 PayPal Credit cashed my check at my bank ( screenshot attached ) PayPal Credit did not apply this payment to my balance. 

PayPal Credit usurps to have some rights to me and my bank account. 

No, no bank or financial institution has that right. 

By this letter I am canceling my relationship with PayPal Inc, PayPal Credit and any other businesses containing PayPal in name. 

Apply funds available on my account to my outstanding balance CLOSE MY ACCOUNT ( XXXX )
I have two medical debts appearing on my credit report from Merchants & Medical that I 've disputed on two different occasions and they have yet to properly validate each debt with original documentation or anything with my signature attatched.
I was baited & switched by Bank of America because of that I 've been asking them to refund my credit report & appraisal money. The issue still has n't been resolved. 
I applied for a conventional cash out refinance XXXX XXXX, 2016. I explained to the loan officer how much cash out I needed. He gave me a worksheet with estimated cost & 80 % LTV of course the final is when the appraisal comes back. He sent me an email XXXX XXXX telling me the appraisal came in lower, he informed me of the new loan amount which was fine, it only decreased by {$1100.00}. Two and a half to three weeks after he sent that email, I tried calling him multiple times to find out the status of the loan & when we were closing. Title company contacted me & said they were ready to close as soon as BOA was ready. I finally reached the loan officer, he told me they would n't approve 80 % LTV that they would only do 70 % LTV. I asked him why did that change, he said because of my credit score. I was livid ... they knew my credit score from day XXXX not to mention why did it take 30 days to come to that conclusion. That 's where I was baited & switched. Even after that I tried to contact the loan officer about changing to an FHA loan, I did n't want an FHA which he knew up front, but I already spent money on an appraisal & I needed to get this done. After multiple attempts he never responded, I was frustrated & had to contact another financial institution to refinance my cash out mortgage. That cost me another appraisal fee, I do n't have money to give away. After calling several branches for a couple of weeks I was finally able to reach someone who could give me the loan officer 's manager 's contact information. I spoke to his manager about refunding my appraisal fee & credit report. They still have n't resolved my issue.
I recently had my mortgage transferred from XXXX XXXX ( who I was completely happy with ) to XXXX XXXX XXXX, and this new company makes just charges endless fees. They charge a {$2.00} fee to pay online, which is absurd. I am trying to save the environment by reducing waste, AND I would be saving the company the expense of manually processing my payments. The fee that really pissed me off was an NSA fee which was incurred because I accidentally entered in my wrong account number for my first payment after the mortgage was transferred, entirely my fault and I have no problem paying that fee. My problem is the fact that they do not allow you to pay that fee online so you have to call their customer service line where you have no choice but to pay an additional {$5.00} fee so that I can pay off the original {$15.00} fee. I feel that my mortgage was transferred through no fault of my own, and now I am incurring all these new fees and inconveniences, that I never experienced with the almost ten years I was  with XXXX XXXXXXXX. I'm just pissed off and frustrated that there is nothing I can do about it!
On XX/XX/XXXX and XX/XX/2017 I received a hard inquiry from CHASE, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from CHASE in connection with this request ( as I already have one and do not desire anymore at this current time. )
This letter constitutes a formal complaint against Banco Popular de Puerto Rico ( BPPR ) for the unethical procedure in the intent to report inaccurate information on my credit report on all bureaus. Due to the lack of compliance from their part with the Moratorium as offered by the bank after Hurricane Mara in which the three months XXXX, through XXXX would be added at the end of the mortgage and the regular payments would continue on in XX/XX/2018. Moreover, your employee told us that our call was not even necessary because we qualify automatically to benefit from the three months break BPPR was giving. Banco popular has not honored their offer and has ruined my good credit.
On XXXX/XXXX/2017 Flagship Credit Acceptance made an unauthorized inquiry on my credit report without my consent. I have contacted them on numerous occasions by mail and phone to remove the inquiry to no success.
XX/XX/XXXX - Checking account opened online at BMO Harris Bank with bonus offer code " XXXX '' which is a {$200.00} offer if 2 direct deposits of at least {$300.00} are made during the first 90 days of account opening. Offer stated that bonus would be applied within 120 days of account opening. ( I have attached the original email with the bonus offer and terms. ) XX/XX/XXXX - Direct deposit # 1 of {$300.00} posted XX/XX/XXXX - Direct deposit # 2 of {$300.00} posted XX/XX/XXXX - Last activity ( ACH withdrawal ) on account. {$0.00} balance XX/XX/XXXX - The 120th day of account opening, bonus should have posted by now. {$0.00} balance XX/XX/XXXX - XX/XX/XXXX statement ( XX/XX/XXXX-XX/XX/XXXX ) made available online. No activity in the statement, {$0.00} balance XX/XX/XXXX - I call BMO Harris to ask about the bonus. Rep says the offer code was not applied properly to my account and she will send the case to marketing team to investigate. She suggests I put some activity on my account to avoid account closure from inactivity of over 45 days. This is the first I 've heard of an inactivity closure. I thus send a {$1.00} ACH deposit to my account for XX/XX/XXXX from my XXXX XXXX XXXX checking account. 
XX/XX/XXXX - Account is closed without my knowledge XX/XX/XXXX - I notice my account has the status of " Purged '' when I login online. I call BMO Harris and ask rep to investigate why the account was closed. 
XX/XX/XXXX - XXXX XXXX XXXX says the {$1.00} ACH has failed because the BMO account is showing up as closed. 
XX/XX/XXXX - I call BMO Harris. The first rep explains that BMO Harris marketing team rejected my request to honor the bonus because I did not satisfy the requirements. Marketing claims that the requirements were to have a " recurring deposit deposit for at least 90 days from account opening. '' Rep then explains the account was closed for inactivity of over 45 days. I ask to escalate the account closure issue and he says there is no recourse for this. I repeat this with another rep and she tells me the same thing. I am told nothing can be done over the phone since the account has been closed.
Experian is reporting a collections account that has been unverified for over 2 years. On my report, XXXX XXXX XXXX is reporting a debt of {$2000.00} for a charged off joint account originated at XXXX ( original balance shows {$990.00} ) and was opened XXXX/XXXX/XXXX. The acct # listed is # XXXX on the credit report ; the credit report number is XXXX. I sent a validation request to the collection agency on XXXX/XXXX/XXXX - 30 days passed with no response. I sent a 2nd notice to them on XXXX/XXXX/XXXX - another 30 days passed and no response. In XXXX i submitted an online dispute at experian.com and it returned a result of " verified ''. The only responses received from this agency are to experian directly. I have no recollection of this account nor its reference and am unable to get any information regarding this collections account. 

I filed a complaint with the XXXX ( case ID XXXX at XXXX Serving XXXX, CA XXXX, Phone : XXXX ) and they sent the debt validation request to the collections agency on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX the XXXX reported they had received no response and were sending a 2nd notice. On XXXX/XXXX/XXXX the XXXX sent the 2nd notice. On XXXX/XXXX/XXXX the XXXX reported they were unable to solicit a response from the collection agency as well. I have requested 4 times debt validation ( account information details, original creditor information, the source of the debt, how and why the debt balance is increasing, any contracts associated with this account, proof that XXXX both legally owns and is allowed to collect on this debt ). The same information was requested by the XXXX twice as well. 

Experian continues to report this account on my report, but has been unable to provide any supporting information or validation of this debt. The collection agency has failed to respond to inquiries for over 120 days, but continues to report it to Experian and XXXX. I have attached copies of this dispute activity and per FDCPA regulations I am respectfully demanding experian remove this item from my credit report. They only response was to Experian and included one word, " Verified '', but have not provided any information as to what was verified, from whom or provided that to myself. 

Each time i submit the online dispute they decrease my credit score, so I 'm sending this complaint to you ( the CFPB ) to assist in getting this item deleted without being penalized again by the credit bureau. Experian has been reporting an unverified collections account for over 2 years with no assistance to resolve this matter. I would like this account deleted from my credit report and feel I have done my due diligence in attempting to resolve this dispute.
*Submitted loss mitigation package XXXX/XXXX/2015. File was deemed complete XXXX/XXXX/2015. 
*This file has been in and out of review 8 times. I have attached dates and case tracking for your review. 
*I have escalated this file to Ocwens escalation department on multiple occasions. I have also attached those documents for your review. 
*I am asking for your assistance with the loss mitigation process with this servicer, Ocwen . The only response that I have received from the last escalation is " under review ''. Documents are aging, not because of a delay with the borrower, but because of Ocwen. The borrower is faced with great difficulty each time a document is requested. It feels as if this servicer wants the borrower to give up. Each delay is pushing the borrower to that point. The borrower does not have enough equity to make a reverse mortgage feasible. Prior to entering into the loss mitigation process the borrower had researched refinance options but was told there was no way to approve because of income. She could not have afforded the appraisal or closing costs to refinance. 

*We need help and oversight.
Informed Barclays Card that I no longer wanted to pay an annual fee for my Frontier XXXX. They agreed to eliminate the annual fee. They are still charging the fee. Barclay card has been notified several times and still charges.
I have just noticed that my credit fell from  XXXX  down to  XXXX  because  XXXX   XXXX   XXXX  made a hard inquiry or the inquiry was removed.  Either  action was done without my consent, and I am being penalized my Equifax  Credit Reporting Agency for this action. The action was done   XXXX   XXXX ,  2017. Credit Reporting Agency  has continue to penalize my Credit score frequently for actions that I have no knowledge of.
I am filing this complain because XXXX has ignored my request to provide me with the documents that their company has on file that was used yo verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank You
This is prepaid card. I use it to avoid overdrafts and fees and no longer use checking accounts to prevent overdraft issues.I checked my statement on XXXX and had an available balance of XXXX I went to ATM to get cash to pay bills. Today I check to see my balance and it is XXXX overlimit. I immediately called customer service who informed me that " pending transactions/holds '' were released because the merchant did n't submit the charge and that was why I had an available balance, but today they resubmitted the charge. I asked why they " paid '' this transaction knowing I did n't have the money and causing an overdraft and overlimit o XXXX on my account. My understanding with my previous account was that if I did not " opt in '' to approve charges to be paid and cause my account to be negative they could n't go through or be paid. It is the whole reason why I chose a prepaid debit card, you can only use what you have available and other transactions will not go through because you do n't have the funds. But this place decided against me and paid the vendor. I would have dealt with the bill not being paid if it did n't go through and never asked them topay this to overdraft my account. They old me they paid it because I owed the company money who put the charge through, that is not their decision to make. I have ever heard of a debit card especially a prepaid debit card company saying " you owed the company on this bill, so we paid it '' many times I did n't have money available in my account and never id a credit card, bank card tell me they paid the bill cause I owed it no matter if it overdrafted my account. They abused their authority and neglected mine by allowing my account to overdraft for XXXX.
My husband and I refinanced our home in XX/XX/XXXX, so we could get a lower interest rate. So, after my husband setting up this meeting to sign the papers and in trusting the agent that came to our home and the bank my husband set this up with, we signed and got a lower rate. In XX/XX/XXXX, my husband and I separated and he moved out, so called the bank to see about making partial payments until I got a full time job, then I would be able to make the full payment. The bank at that time told me to call back in a couple of days so I did. When, I called back in a couple of days, they told me the loan was sold to call the other Mortgage Co. so I did. They wanted me to fill out paper work for Act 91, so I did. After, sending the paperwork in by mail and fax they always lost my paper work, so I would re send it always. Now, after not paying them for about a couple months, the loan went into Default. I called them and said what 's going on? They always said the paperwork was missing, they did n't get it, they just gave me the run around. I have gone to counseling twice. Now, my house went into Foreclosure and at that time I was in the middle of filing bankruptcy. My house was up for Sheriff 's sale in XX/XX/XXXX and it sold, but I was still in the middle of filing bankruptcy. After all this happened I went back to my paperwork to read the agreements again. I am finding that when my husband and I refinance our home in XX/XX/XXXX, the bank messed with the paperwork. To make it look like I was the main bread winner of the household, I was n't, my husband was, so what they did was used my credit ( caused I had good credit then ). with my husband 's income. No bank in there right mind would give me a loan of that size no matter how good my credit was. My husband, his credit was no good. Of, course we did n't know the bank or the agent did this, we trusted them and signed the papers. Now, the house is up for Foreclosure again.
XX/XX/18 called harassing me and my brother threatening to sue me and come to my home and demand payment. Called number they gave me told me I had to pay full amount said I couldn't at this time then rudely told me why I bothered to call
Hello The company XXXX XXXX XXXX is claiming falsely that I have a collection account in the amount XXXX account # XXXX XXXX XXXX   XXXX XXXX NC XXXX phone # XXXX
consumer portfolio services told my insurance company when i got involved in a accident that i defaulted on my loan and the loan was charged off because of delinquent payment