WillisBack/dataset-financial-user-claim huggingface dataset:
I noticed on XX/XX/XXXX that my credit score dropped ten points due to the professional bureau of collections posting a deragatory collections account on my XXXX credit report in the amount of {$440.00} dollars. The account was opened XX/XX/XXXX per the collections information on the XXXX report. 

I instantly knew this information was inaccurate because I paid my XXXX collections bill in XX/XX/XXXX. I contacted the credit bureau to file a dispute. And after 24hrs I decided to call the Professional Bureau of Collections myself and tell them to remove the already paid account. I spoke with a guy who immediately said he would take the derogatory collections account off of my credit report but it would take 60-90 days. At that moment I asked if he could provide me a letter confirming in which he stated he couldnt. I also asked if h could expedite the process he repeated and said it will take 60-90 days.

The problem is The Professional Bureau of Collections bought this already paid collections account and did not contact me via mail or phone to tell me about this collection nor tell me that I was able to dispute it. Instead the account was sold to them and they proceeded to put it on my report and not take it off for 90 days. 

Because of their wrongful actions I was unable to get a company credit card because of this recent collections on my report. This has caused me emotional distress and embarrassment at my job, also financial loss taking the time to investigate.
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, SSN, DOB, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
I looked at my credit report and i learned that Portfolio Recovery Associates is currently reporting XXXX accounts on my credit file as revolving accounts as charged off. I have no knowledge of these debts. I was never given the right to dispute these items either. XXXX is a collection agency and is not allowed to report accounts as revolving on my credit file. I have no knowledge of these debts. they should provide some kind of proof that these debts in fact belong to me XXXX XXXX XXXX
I disputed this company XXXX XXXX in the  beginning of XX/XX/XXXX because I never had an account sigh the company they are trying to collect funds for and they verified it was mines so I did what the XXXX credit bureau agency told me to do and called waypoint XX/XX/XXXX and gave all information needed they stated they have no record of me in their system then all of s sudden had found information and i have them my previous and current address which didnt match their systems being that the address i gave them XXXX XXXX XXXX that i been living at since XX/XX/XXXX and recently moved to North Carolina and they said they couldnt tell me anything about the account because that isnt the right address which I dont know what address they are looking for me to verify and i asked why are they reporting a debt thats not mines on my report and they could not answer at all i also in XX/XX/XXXX sent them a debt validation letter under my fair debt collection reporting act and never got anything in response by law i should be able to get documentation showing me how the debt is mines
On XX/XX/XXXX and XXXX, 2017, I received repeated and harrassing calls/voice messages from XXXX, one XXXX XXXX, representing XXXX XXXX XXXX and saying he is calling about a debt. He advises me to call XXXX for any questions yet this number goes to Bank of America mortgage which is where I have a home loan which is current and not unpaid. 
Please help with this harrassment which has consumed two days for me. I have tried to contact XXXX XXXX at the above number at extension XXXX but he is not at his desk and has not returned by phone voicemail. 
Thank you, XXXX XXXX
To whom it may concern, There is a great deal of concern that must be shared regarding the way JP Morgan Chase is delaying point of sale debit transactions. I have took notice that JP Morgan Chase delays debits and then pushes the debit ( s ) through purposely when there is no funds in the account or a negative balance will be caused to the account with the transaction. When I contacted Chase at ( XXXX ) I was only offered criticism and how the overdraft was " my fault '' because I signed an agreement allowing transactions to go through. There is a big gap in what Chase is offering the everyday customer as an explanation in these agreements to what is actually happening when the customer is getting hit with overdraft fees. There is an abuse of power on Chase part. They could only blame the merchant. But I swipe my debit card when I have money and the transaction is delayed three days.. Why is Chase running this scam and hiding behind these debit agreements. I can testify that there is money in my account when I use it. The debits are being purposely delayed and pushed through in bunches in an effort to collect {$34.00} in bank fees for each debit. I am a XXXX customer and I was met with criticism for Chase supervisors on XXXX at approximately XXXX PST via telephone for not managing my account the way a non XXXX person could. It's frankly disgusting. Please confirm at your earliest convenience the status of this complaint.
I borrowed from XXXX XXXX, then I consolidated. My loan servicer turned into Navient. Navient will not allow me to make payments to principal without clearing accrued interest. I wrote a letter about two years ago asking for payments to be applied to principal first, then interest. No payments are due from me at this time as I have been making payments as aggressively as possible. On the phone today, I was told it is company policy, that they are not allowed to apply payments to principal before interest. I was told no matter what I do, Navient will always apply payments to interest first, NOT principal. I informed Navient of my opinion that this is wrong, especially since I never agreed to Navient servicing my loan or any hierarchy in applying payments as far as I know. I asked how to get my loan to another loan processor who will respect my preference for principal to be paid before interest, and was told to hold for a supervisor. The supervisor told me that Navient follows a " federal guideline '' from the Department of XXXX that says to apply payments to interest first. I can not find this guideline anywhere online despite the fact that I asked the Navient supervisor to direct me to it ; he could not. Supervisor told me the only way to move loan would be to consolidate.
I 'm purchasing and brand new home in XXXX XXXX and applied for mortgage loan from Bay Equity Home Loans since the end of XXXX 2016 and we received email and the package congratulation for the loan approval in XXXX 2016. It was supposed to close escrow in the week of XXXX but it did n't happen because at that time they then start asking for more and more proof of our sources and the time lengh that where my partner lived before.. Every time they ask, I provide it to them right away, NO delay but I never heard an update few days or week later then I contacted them, and every time I contacted them, they ask for more and more. I had documents sent over from XXXX and they said they need interperetor to translate and I still did n't hear nothing until 10 days later they still said that they still looking for interpretor then next day afternoon XXXX contacted me and told me to cantact some lady to pay {$250.00} for translation but that lady 's company do n't take credit card, the lady asked to to transfer the fee into her coworker that has the same bank with me to avoid the transfer fee for me, she said. I took care whatever I need to take care but until now they still telling me maybe next week, tomorrow. I took their words and assumed as it, I ordered appliance, furnitures and kept on reschedule so many time due to delaying on the loan at the point that delivery companies wo n't let me reschedule anymore
Citibank has asked me to " verify my information '' in order to allow me access to my account online so that I can review my billing statements and pay my credit card bills. As I am enrolled in their paperless billing, I do not have an alternative to review and pay accounts. The information that is being demanded is information that does not exist : I do not have an ATM card, I do not have a Checking Account and I do not have a PIN number with Citibank. When I have called in to inquire about this issue, they asked me to wait on the line while they " deregistered '' my account and instructed me to re-register. When I attempted to do I received warning that my account was already registered and to apply for the replacement of my Password and Username. When I attempted to do so I was first greeted with a warning that my account was already registered and to change my password with a challenge question. When I entered that system to change my password and unlock my account, I was greeted with a warning that my account was NOT registered and then asked to register my account. Following those instructions ( again ) gave the same message that my account has already been registered and that I need to login ... which then promptly asked for the Account/PIN and Debit Card numbers which I do not have. 

In the mean time, interest, late fees, penalties and every other charge imaginable I 'm sure is racking up on my account and what 's more, I 'm certain that they are reporting negatively to the bureaus. I 'm attempting to pay my bills, but their call center and their website is preventing me from doing so! 

Given the history of this bank abandoning Texas and continually practicing negatively effecting business against me and others ( reducing credit limits to balances ( increasing balance ratios ) losing customer information ( leading to fraudulent accounts opened ) etc. I 'm not surprise, but certainly am at risk is decrease financial capability because of either technological incompetence on the part of this institution, or a concerted effort to hamper the financial well-being of customers in Texas 's Low-Income Census Tracts.
I made mortgage payments, Wells Fargo accepted the payments and still foreclosed on my home. 
payments XX/XX/ - pmt - {$4200.00} - PPD ID : XXXX XX/XX/ -pmt - $ XXXX-PPD ID : XXXX XX/XX/ - pmt - {$4200.00} - PPD ID : XXXX XX/XX/ - pmt XXXX {$4200.00} - PPD ID : XXXX
My loan was transferred from XXXX XXXX XXXX to RCS in XXXX XXXX. Since the transferred RCS has put us through XXXX trying to obtain a loan modification. Despite receiving verifications of all of our income stream, which is {$9300.00} a month, they only choose to use my Social Security of {$2600.00} a month. XXXX more than once has Dual Track our loan, the latest was a letter dated XXXX/XXXX/XXXX, titled Notice of Default and intent to Accelerate, which was followed by a letter dated XXXX/XXXX/XXXX, was a combination of a denial letter and a pre-foreclosure notice. This is totally against the California Homeowners Bill of Rights. I have submitted another full package which includes pay stubs, XXXX, annuity income and social security income in support of the {$9300.00}. I anticipate, RCS will begin to nit pick, and claim not to have received the documents.
I have XXXX issues I 'm dealing with per my student loans, the first issue is regarding late payments being reported while, my loan was transitioning to another lender and this issue is putting a big affect on my credit. I contacted XXXX whom advised they would updated the information on their side, however, the late payments are still showing on each credit bureau profile. The second issue was when i applied for lower payments and I was given a forbearance for a year with out lower payment amount. This is not helping me because these loans are atill gaining interest while in forbearance. Can you assist in my two request?
There are issues with my credit reports of accounts I have no knowledge of or authorized I have Delinquency marks that shouldnt been there and Im XXXX with XXXX and Im unable to pay or complete payments on my own my father XXXX XXXX is the one responsible for making all my payments made
Due to the Hurricane Harvey, I requested from Toyota Financial Services for a extension which they granted me for the months of XXXX and XXXX. I submitted it back via mail and followed up with them by phone on XXXX XXXX due to the overwhelming backup mailing processes in XXXX. I spoke with a rep named XXXX and she assured me that I wont be facing any issues even if they received the documents later than expected and how I would n't need to resubmit them. After receiving numerous collection calls from Toyota after that day, I just went on and still faxed over the paperwork to Toyota which were submitted successfully. 

Now, when I speak with Toyota today XXXX XXXX, supervisor ) they were refusing to assist me in resolving this. They did n't want to pull up the phone call recordings, research my fax correspondence, locate my mailing correspondence, etc. 

It 's horrible how Toyota can be so rude and disrespectful during a time like this for Hurricane Harvey victims.
XXXX XXXX Bank has me listed being late 30 days in XX/XX/2018 and that's incorrect. I was never late.
XXXX   XXXX , Tx I leased a car in  XXXX   2014 . Payments are {$570.00} per month. I have mad e 32 payments all on time. The balance of payments on the 60 month lease adds up to 28. My credit report has a balance of {$30000.00}. If you multiply 28 X   {$570.00} you get {$15000.00}. I believe  XXXX  is committing fraud to make their books look better. My name is  XXXX   XXXX   XXXX  Lease #  XXXX
RE : Loan with Statebridge Company # XXXX The above mentioned loan was in the name of XXXX XXXX, my mother. I, XXXX XXXX, was trying to payoff her bills, because of her XXXX and later her death. I was never on this loan. The beneficiary of this loan was a XXXX XXXX with XXXX children named. I being the XXXX was paying my deceased mother 's debt, which included the above referenced loan. The XXXX mortgage that I was paying was with XXXX XXXX, which I always paid on time. Then, XXXX XXXX sold the loan to XXXX XXXX, again with no problems and always on time. In XXXX 2015, XXXX XXXX sold the loan to Statebridge Company, and here is where it gets crazy. First there was a credit on my account saying that I overpaid. Then in XXXX I sent Statebridge a payment of {$1200.00}, in which, Statebridge returned the check a month later, but I had already sent out XX/XX/XXXX 's payment. I called XXXX XXXX numerous times, but NEVER received a response from her. Finally, I contacted Statebridge and spoke to someone else, who informed me that the loan matured and the total amount was due. When I asked for some help to resolve this, Statebridge flat out refused to help me, stating that my name was not on the loan. So then, I was forced to get a loan, in my name, with XXXX XXXX XXXX to pay off my mother 's loan. After I received the payoff letter, XXXX turned around and recorded on the credit bureaus, that XXXX XXXX was in default of XXXX months, on a loan that was in XXXX XXXX ' name. Also, XXXX told us that we could go online to file under loss mitigation, when in fact, there is no such place on their website to file such reports or complaints. Because of Statebridge 's falsely stating that XXXX XXXX is in default, XXXX XXXX XXXX is stating that my loan with them is fraudulent and is now being investigated.
In XX/XX/XXXX I obtained a home mortgage loan with XXXX XXXX XXXX XXXX ( XXXX ). A credit report inquiry by XXXX revealed one derogatory line on my credit report ( Item 29 XXXX  : see attached ) that was incorrectly still present in my record despite the fact that this debt was satisfied ( paid off ) and signed off by the County Judge ( Order of dismissal with Prejudice ) one year prior ( XX/XX/XXXX Court Order : see attached ). 
I attempted to dispute and resolve this issue directly with the Credit Reporting Agencies with no success. 
I am about to apply for a new home mortgage loan and before I do that I would like to ensure that this derogatory line-item is permanently removed from my file with all 3 major credit reporting agencies. 
I am reaching out to CFPB to help me solve satisfactorily this issue. 

Thank you. 
XXXX XXXX, Consumer
XXXX-18 My credit history is incorrectly showing two unpaid medical bills still owed to collections company " Financial Accounts Services ''.

Amount # 1 : {$4100.00} Amount # 2 : {$280.00} These medical expenses were confirmed as settled.
I disputed the account as it was a product of identity theft only for it to be verified repeatedly. This was a lease for an apartment I never lived at.
In XXXX my mortgage with PHH Mortgage was in default. I was unemployed at that time. 
In the same year I received financial help and assistance from Florida Hardest Hit Fund. 
The PHH Mortgage on service for XXXX XXXX accepted close to {$40.00} in payments and promes to reinstate the mortgage. In XXXX XXXX I start full time work and gain the ability to pay my mortgage. This is the time that all problems started. The PHH accelerated the mortgage and never reinstated the payments. I retained attorney to represent me in court but the PHH mortgage is playing words game sense that time. 
PHH Mortgage office was already provided with all of the information previously requested and all the information needed to settle this matter. It was supposed to be processed as a reinstatement pursuant to the FHA paperwork. 
Is the bank refusing to settle by reinstating the loan as they promised when they accepted the Hardest Hit Fund money? 
I need a straight response to this question, whether the counterclaim must be forwarded to the CFPB and the Florida Attorney General, and whether we need to set the matter for hearing on our counterclaims.
I have three Credit Cards with Capital One and have been having issues since XX/XX/XXXX with my online services. Anytime you open an new account ( credit card, savings, auto, etc. ) online you are required to create a new user ID and password. I have never had a problem with this because you can combined the user accesses into one login, until now. I have contacted Capital One over five times and have gone into the branch to try and resolve this. They can not  combined user access only the customer can. I have made several complaints but absolutely no one is contacting me. I have to be the one to call capital one and check on my status. This is getting old. Today I called again to inquire about it and they informed me there was noting they could do after being on the phone for over an hour. I asked to speak with someone else and they put me on hold and then they hung up on me. The customer service is some of the worst I have ever dealt with. This case was first opened on XX/XX/XXXX escalated on XX/XX/XXXX.  My ticket number that they are working on is XXXX. Also, another reason I want to combined user accesses is because I am trying to combined my two business credit cards into one. They both have an annual fee on them and if I get charged the fee on both then I am going to be very upset especially since I have been trying to resolve this issue for several months.
I have disputed the late payments report on XXXX XXXX The Credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
I have a mortgage with Carrington mortgage services LLC and had an overage in my escrow account. I was behind on my mortgage so they would not return it to me ( the overage was about the same as I owed ) I just went through a loan mod so I am not behind anymore and the money is gone. I am told that they used the money in the mod because I was behind. I would n't of had to do a mod if they would have done that in the beginning. I asked why they did that I was under the impression that could n't be done. They put money in my FHA overage that I have to pay at the end of my loan. I asked for a breakdown of the money used and no one can give me one it 's over {$2200.00} and no one can show me where my money went. I did n't think a loan mod cost anything out of pocket until the end of the loan.
In XX/XX/2018 my cousin XXXX XXXX added me to 3 of his credit cards as an Authorized User since he was having difficulties making his payments on his card, in trade he allowed me to use the card and by doing so it would add to my credit history since I don't have a vast history on my credit report. My other cousins were added to the card and their information is reporting. I called each of these companies and they stated that they sent the bureaus my information for it to report but I'd have to call the bureaus. When I called they acted confused and I needed this in writing so I can at least have an advocate on my behalf
I have received numerous calls from XXXX by a man who calls himself XXXX XXXX " director of premium receivables '' trying to collect a debt which I 've never had. This party claims to be calling from a law firm and threatens to sue me if I do n't pay a fictitious amount of funds. He knows my full name, address, last XXXX digits of my social security number. I am one hundred percent certain it 's a fraud. I feel extremely intimidated by this gentlemen for oblivious reasons.
I received a copy of my TransUnion Credit Report File # XXXX, XXXX issued XXXX/XXXX/2016 and am disputing some items that need to be corrected. I have numbered these disputed items. The reasons why some of these items are inaccurate, outdated information and should be corrected are indicated below. I am requesting the name to be corrected and records removed or deleted : The name XXXX XXXX is spelled incorrectly on the form XXXX XXXX
On XX/XX/2018 Discover credit card has reported a miss payment to my XXXX  credit report and also on XX/XX/2018 reported to XXXX  and XXXX  with inaccurate and obsolete information thats shows on all 3 credit bureaus and they will not remove it.