WillisBack/dataset-financial-user-claim huggingface dataset:
I have been receiving multiple calls per day, up to 14, several times an hour, some with 'Portfolio Recovery ' in the Caller ID, the others showing as 'Unavailable ' or from a multiple of states and numbers.. 

The 'Unavailable ' and multiple states/ numbers phone calls are actually from 'Portfolio ' as I have been answering the calls at various times, and the callers states that they are calling from 'Portfolio '. 

Despite repeatedly requesting any documentation regarding the debt, I have yet to to receive any correspondence. I was advised by the company, that they 'do not communicate via mail ' and 'all matters were handled through telephone '. 

I have repeatedly requested that they do not call multiple times each day, or to please record a message on my answering machine. I have been told that they are 'unable to leave any messages regarding the matter ', despite previous instances of messages being left. The usual format that they follow with the repeated phone calls is to wait on the line until the machine answers the call, proceeds through entire recorded message and then 'beeps ' to indicate recording period. They then hold the line for several seconds and then hang up.
I have been paying only the interest on a {$5000.00} title loan that I was forced to get under duress of just losing my job. I have a car in which I spent nearly {$2500.00} in repairs and the truck still does not work and I have missed work on several occasions due to this. I 'm in financial distress due to this and I even paid {$670.00} which only went towards the interest. Had I know this would happen like this I would have never agreed to this amount of money. And to make matters worse I lost my home in a fire XXXX XXXX 2014. I need help, please help me..
On XX/XX/XXXX, three credit cards were stolen from me while I was at the gym. Upon realizing I was missing the cards, I immediately reported them stolen and cancelled the cards. I also filed a police report with the XXXX CO Police Dept. My  Chase United Explorer Card was used for a {$3600.00} charge at the XXXX XXXX in XXXX, CO. 
In XXXX I received a call from Chase Fraud Dept. telling me that since my personal information was on the sales draft they received from XXXX, that " I authorized the charge and would be expected to pay the {$3600.00} ''. I have been calling weekly and keep being told that it will be sent to rebilling but never hear anything. On XX/XX/XXXX I received a letter dated XXXX XXXX stating that I would be responsible for paying the {$3600.00} and the charge reappeared on my account on XXXX XXXX. 
I did call the XXXX XXXX and was told that if a card is attached to a XXXX account or has been used in the store before, it will autofill sales drafts? 
I have had this account for 18 years and have never been late in paying.
XXXX   XXXX   XXXX  account does not belong to me it belongs to my ex husband
To whom it may concern, I am highly disgusted with the practice of this company that continues to list a dismissed Bankruptcy on my credit report. The Bankruptcy was dismissed due to me changing my mind, and my mother helping me pay off some of my bills. I have disputed this issue with XXXX   and Experian multiple times now only for them to send back the same automated letter stating that their policy is to keep reporting Bankruptcies that are filed, adjudicated or dismissed for ten years. Not only have I received the same response from both companies but I also received a letter from a 'XXXX   XXXX ' from XXXX stating they never received a dispute letter from me which is a LIE ( and I have the responses in my possession ) and that I need to send in verifying documents AGAIN because I'm not reported in their database. How is that even possible when I've been disputing this for months? and a pretty similar response from XXXX XXXX from Experian. The problem with this is not only is it severely hurting my credit and ultimately hindering my livelihood, the Fair Credit Reporting Act mentions absolutely nothing in Section 1681c regarding bankruptcy about dismissals and filings despite XXXX and XXXX mentioning that in the Fair Credit Reporting Act " allowing '' it to be reported for 7 years. However the law CLEARLY states from " Date of adjudication '' or date of " order of relief '' ANY case, civil or otherwise which is dismissed no longer exists in the eye of the law, and a case filed may never have actually been adjudicated. Therefore this company has no right to maintain any information that the government has deemed nonexistent. Therefore pursuant to section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send to me an updated copy of my credit report when this action has been completed. Not only with this information from the law please also note that the dates listed as the dismissal is NOT correct, which I also have told XXXX and Experian in a previous dispute leading to the fact and practice that ALL erroneous information reported calls for removal as well. It's quite ridiculous and a horrible practice from the company that with absolutely no remorse they have denied the dispute every time and not done the proper investigation nor resolution, it's unacceptable.
TRANSUNION IS REPORTING ON AN ALLEGED DEBT FROM XXXX XXXX XXXX, THIS DEBT HAS BEEN " CHARGED OFF '' AND THIS IS THE XXXX MYSTERY THE BANKS WILL NEVER TELL THIER SECRET!!! THEY GET PAID BY THE UNITED STATES TREASURY FOR ALL DEBTS, ITS BEEN THAT WAY SINCE XXXX!!! IVE ASKED AND DEMANDED PROOF OF THE ORIGINAL INSTRUMENT OF INDEBTEDNESS FROM XXXX XXXX XXXX AND THEY CAN NOT PROVIDE IT, BECAUSE THEY TURNED IT IN TO THE UNITED STATES TREASURY,!!!!! TRANSUNION COMMITS FRAUD BY REPORTING SOMETHING THAT IS NOT VALID!!! SINCE NOBODY CAN PROVE WHAT AND WHERE WAS " CHARGED OFF '' ITS ALL A GAME!!! AND ITS GROSS FRAUD!!! CEASE AND DESIST AT ONCE!!!
I recently purchased a vehicle from Santander USA, I 'm being charged XXXX interest and my payments are XXXX for XXXX months, my question is I 've been making on time payments but I 'm not seeing any change in the balance or interest balance and my intrest rate is too high I thought finance auto companies ca n't not charge you over 25 percent in intrest please help.
On XX/XX/2018 I received a notification on a couple of sites called XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX informing me that a company by the name of Diversified Consultants had place a collection in the amount of {$2100.00} on my credit report without notifying me in writing that I owe the money which they didn't and notify me of my rights to dispute this debt they say I owe which they didn't either and it wasn't within a certain amount of time. I don't know this collection agency and I would like this to be removed from all 3 credit reports which are XXXX, XXXX and XXXX.
Bank of America is in the process of modifying my mortgage. Bank of America has misled me by charging me for services never performed. The charges make my true payoff significantly different than the true balance.
Hi I am having big problems with = Experian. com, on = Fraud & Thefts, Embezzlements, to my Credit Reports from them, a criminal group have been, racketeering off me? plus I have a, DA victims crime bureau case, just got ta fill out, Docs, plus got a Investigation Board in my Room, on this Group, I, m ex law enforcement,. 

The, Experian, Co, said I had = over = 26 Accounts of Fraud & Theft, done by, loans, advances, lines of credit, credit cards, purchases on files, I Got police Case on Experian, XXXX, XXXX, Clarity, I would like your Co, to get these All Legal Accounts, of fraud & Theft, and I give you permission, to collect my Financial Losses, from Every one Accounts please, By Laws & Regulation codes, penals, my = Bank Statements I have = they will be submitted today seperatly for all credit co, s on file and totals ok, any problems email me or call? my reasons why I do n't call or ask them, I, m sure there playing games here with my owed losses of acc, its a big mess = I got fraud & theft in almost every subjects by
Case # XXXX - XXXX XXXX This has been paid and fully satisfied. Attached is the letter of confirmation dated dated XXXX XXXX, 2014. Record at XXXX on XXXX XXXX, 2014.
I ordered new windows from Home Depot and as part of the sale they offered me a Home Depot credit card and said that I would get 24 months 0 % interest on the windows. The total sale was {$19000.00}. They failed to install the windows on the scheduled delivery/install day in XX/XX/XXXX, but despite this they still charged my card for the full amount and I was forced to make multiple payments on the windows I did not have and the interest free period began two months prior to when I actually had the complete items I was billed for. Home Depot sales man has done nothing to correct it other than say he will take care of it and that he is looking into it. It has now been six months and still no results. Any effort I make to complain to Home Depot is just routed back to the same salesman who failed to correct the problem.
This credit reporting bureau is reporting incorrect information under a XXXX credit card that was closed many years ago. There is a very old credit card still displayed on my credit file which is showing XXXX XXXX day late payments. XXXX late is displayed in XX/XX/XXXX and the other is displayed in XX/XX/XXXX I wrote a letter asking Experian to completely delete this account and I have not received a response and this account continues to display incorrect information that can not even be verified. I called XX/XX/XXXX and was informed by them that these late were not verifiable and no longer on record an that the bureaus will remove the account completely. But they have yet to do this. I am suffering financially because of these false reporting and this falsely delinquent account.
I listed my property for a short sale. Wells Fargo counter offered the original offer. Of course the initial offer then fell out as the purchaser did not want to meet the counter offer made by Wells Fargo. Finally my realtor was able to find a buyer that met the counter offer amount, the purchaser signed the offer and it was sent to Wells Fargo. Wells Fargo is now stating this offer was received too late and are proceeding with the sale date scheduled for tomorrow. Make matter worse, the counter offer amount Wells Fargo asked for is {$230000.00} yet the opening bid amount is only {$130000.00}. Why not accept the offer and give me my right, as a California homeowner XXXX ( A ), to avoid foreclosure. Why not postpone the sale date to allow the short sale to take place? They got the counter offer at hand and now are going to foreclose without a care leaving me with the possibility of loosing my home. I am most grateful for any assistance I can get from you.
This is a foreclosure that happened in 2008. The company continues to harrass me and put this account on my credit report. I am currently going through a security clearance and it keeps popping up. The account is having my job question my integrity.
Tried calling XXXX, Equifax and also XXXX to remove addresses that were not accurate on credit report. Was not allowed to remove said addresses. 

XXXX has an inaccurate previous address of XXXX XXXX XXXX XXXX La, XXXX. It also has the wrong current address. I have not lived there at any time. My current address is XXXX XXXX XXXX XXXX La, XXXX. XXXX XXXX   XXXX XXXX XXXX La, XXXX is my correct previous address. 

XXXX has an inaccurate previous address as XXXX XXXX XXXX XXXX La, XXXX. I have never lived at that residence. 

Equifax has two inaccurate previous addresses as XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX is also an inaccurate previous address. I have not lived at either addresses at any time.
I applied for a credit card from Bank of America. They have been my bank for over 20 years. They collect over $  XXXX  in deposits from me annually. I have over a  XXXX   credit score. I saw many reviews online of people being approved for this same card with lower credit scores. I am not sure why they denied me and the reasons they gave were really bogus. I personally think my denial was discriminatory and may involve some " new school red lining ''. I feel my denial is a clear violation of the Community   Reinvestment Act. Ba nk of America is taking my money and deposits but is refusing to give me access to credit. I will most likely close my checking account, however this is wrong. Please help.
I have been a Best Buy Credit Card holder since XX/XX/2012. I am trying to pay off a balance but I have noticed that it does n't seem to be changing, so I decided to go online and review my account statements. I normally just go online and pay my bills since I have a general idea of what I owe. When I took a closer look I noticed I was charged a fee for what I now know is a " Debt Protection '' program that I never signed up for. I immediately called the credit card company and questioned this charge. After speaking to a " Debt Protection Specialist '' I found out that I was signed up for this in 2012 ( which I never did ) and I have paid {$820.00} into this program ( Not including any potential interest accrued ). They could not tell me where or when I was signed up for this program. I immediately had it cancelled. Again, I asked specifics of how I was signed up for it and proof. The woman, XXXX, put in a request for the proof and a request for a possible refund ( I was told it will take 30 days just for a response ). I asked for documentation that there will be an inquiry and was told that the documentation I would receive in the end was the only documentation they could provide me with. Basically the specialist can only submit requests and can not help you with any documentation. After the phone call I scoured my records and found my original paperwork from the initial credit card application. There is no mention of any form of " debt protection '' fees that I allegedly signed up for. In fact, the fees section is completely blank on my paperwork. I would have never knowingly signed up for such a thing because it is simple not cost effective ( I recently read about the details online ). I did not sign up at the time of the credit approval ( no documentation of fees on my paperwork ) nor would I have done so after. I did n't even notice the charges because they were small to medium amounts and I normally pay my bills online and since this has been happening for so long, my balance never looked " wrong '' to me ''. I do not know if this is some sort of scam guised under false pretenses to deceive the consumer or if it was an honest mistake. I know that I should have caught this sooner, but regardless it was something that happened that should not have happened. I am outraged that this is a practice of the company and expect them to remedy this issue.
I contacted Synchrony XXXX in XX/XX/2018. I have asked them to provide me with specific information regarding the account in question. XXXX They have failed to provide me with the requested information, but instead provided me with a letter stating they have no record of the account in their system. They did not send me a contract between them and I showing that they in fact do own the debt and or that they do indeed have legal rights to collect on the said debt. I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is my attornye sending them a letter stating my intent to sue.
XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. XX/XX/XXXX I received this response : The company that reported the information has certified to XXXX  that the inofrmation is accurate. This item was not chaged as a result of our processing your dispute. Pleasereview your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, they also directed me to their website which states the same : http : //www.alsb.uscourts.govXXXX. Yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the bankruptcy court of XXXX, AL listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.
I made a cash deposit at a XXXX XXXX XXXX XXXX and navy federal refuses to release funds. This is theft and their should not be a five business day hold on cash deposits. When I inquired I was told it was because of XXXX holdings of the funds and of course XXXX  states it is navy federals policy. Basically they are blaming each other and their is no way to reverse the transaction so, now I just have to wait. I know nothing will come from this complaint but it makes me feel better.
Around XX/XX/2016 I was moving to another address. I went from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. I was contacting all of my service providers to transfer to my new address. A XXXX XXXX representative stated my bill must be paid regardless of due date before a new account can be opened on a new address so I paid it off. With no written communication over the next two years of the debt owed, I received a notification from XXXX XXXX that XXXX sent it over to a debt collection agency called Convergence for {$55.00}. If you think I owed this debt, wouldn't someone attempt to contact me with a written notice to let me know I owed this money? I was still a customer so they had my new address. They claimed they called me 3 times but I have no call records. Within that 2 year time span, I've called XXXX numerous times for inquiries, technical support, etc and nobody brought a collection up. The collections agent claimed it slipped through the cracks. Is that my issue? XXXX XXXX needs to get it together. I heard complaints from friends and family that they were over billed for something and when XXXX looked over it, they corrected it. I believe that's the issue here. They are unorganized, and lack communication. They lowered my credit down a few points and I'm upset they couldn't notify me before placing it on my credit so I can confirm its accuracy. They stated they will not remove it and I owe it, but I know I do not based on the information above. 

Thank you, XXXX XXXX
This is related to a previous complaint but the proof is now present that Bank of America does not even read or proper act on issues/complaints. I received a notice they had not received my payment but I checked my bank account and they most certainly did receive the payment. I logged into my BOA account and noticed a higher amount due which is the proof. Probably a month ago I provided them my insurance information which means they needed to cancel the policy they put on the house and make the appropriate changes for amounts due ... Obviously instead of doing this, they simply cut and pasted a response and did nothing else. In the recent email from them they threaten reporting me to credit agencies and based 100 % of their failure and thus waste my time which means nothing to them ...
I have an auto loan with XXXX.  I mailed in my monthly payment to XXXX via a XXXX. I found that my payment was not posted to my auto loan account and I called XXXX and they said the XXXX was cashed. I requested the copy of who cashed the XXXX and the back of the XXXX indicated it was cashed by JP Morgan Chase. I do not have an account with JP Morgan Chase and I have no idea how they got ahold of the XXXX made out specifically to XXXX; and why did they cash this XXXX that was not made payable to JP Morgan Chase?  I called JP Morgan Chase and they told me that they did not cash the XXXX, but I have a proof that they cashed the XXXX as I requested a copy of the cashed XXXX of which I had to pay $40.00 to get this copy. The amount of the XXXX was for $XXXX, this was a two month car payment. In the mean time, XXXX has reported me as late to the credit bureau. I have taken time off work to settle this with no end result. Also this has caused me alot of stress.
Citibank is incorrectly showing balances on my account that have been paid. I have tried several ways to notify them that they are incorrect. They will not respond or correct it.
For the last 2.5 years, the creditor, Pentagon Federal Credit Union ( aka PenFed ), continues to incorrectly report an account ( XXXX ) on my XXXX credit bureau report, even after multiple disputes to have them correct this multiple times for the last 2.5 years. This closed account is a former automotive loan. The vehicle was repossessed in XX/XX/XXXX and went into charge-off status in XX/XX/XXXX. Further, XX/XX/XXXX was the date of first deliquency that preceded the XX/XX/XXXX collection activity, thus the negative aspect of the account is now over 7.5 years of age, and the account should be deleted from my XXXX credit bureau report. It has already been deleted from my XXXX and XXXX reports due to such. Per Section 605 ( c ) ( 1 ) of FCRA : " ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. '' However, PenFed continues to report the account as paid as agreed and in good standing, and does not list any negative information, effectively re-aging the account. While some would find my situation ideal, the issue that I continue dealing with is many creditors see the account and assume I have outstanding debt. It drastically affects my debt to income ratio by being seen as outstanding debt, and I often get turned down for credit. No matter how many times I have attempted to contact PenFed conceding this, they never correct the erroneous data they are reporting, even when they agree with me that it is reporting incorrectly. This is a seriously violation of federal law. I have included PenFed account statements showing the date of first delinquency proceeding the charge-off, as well as statements showing the date of charge-off.
I thought I was ordering XXXX free credit report from Transunion. I provided my credit card number as requested to verify my identity. I never saw information about a charge for additional services, but XXXX charges showed up on my credit card bill, XXXX for {$1.00} and XXXX for {$21.00}. When I called customer service I was told that I had ordered a " free '' trial membership ( for {$1.00} ) and when I did n't cancel it within 7 days, I was charged {$21.00}. I never knew I ordered this. The rep referred me to the " escalation department '' who cancelled my " membership '' but refused to reimburse the amount charged. The rep told me I used the wrong website to get my free report, and it was n't their fault. Very deceptive. I now see there are lots of similar complaints online. I never thought to check them out before doing business with them. I thought being XXXX of the XXXX credit reporting agencies to which we are repeatedly referred to check for identify theft, that it would be a reputable company. Clearly not. Can anyone stop them from deceiving others?
This debt was not validated and the collection agency removed it from my report and later reinserted the item in my report without contacting me first violating my rights under FCRA