WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX, I secured a mortgage with Bank of America ( FHA Home Loan ) as a first-time homebuyer. At the time I was offered free " debt protection '' for 1 year ; in the event I could not make a monthly payment on time, debt protection may apply. It was not clearly explained to me what this did and did not cover, but I was advised to accept it due to its free nature. In XX/XX/XXXX/XX/XX/XXXX, I realized that I had been enrolled beyond the 1-year mark and was being charged a monthly fee via my escrow account. No communication had been made to me that I was auto-enrolled beyond the free " trial '' period. I had been billed for an extended period without my knowledge. Further, I also encountered difficulty paying my monthly installment around the same period ( I was a full-time student prohibited from working and thus relying on savings and grants ). Realizing that I had " coverage '' without having known, I called customer service to request the debt protection and allow me some time to pay the installments without penalty. I was advised that debt protection did not apply to this scenario, only a select few ( that were likely not to happen ). 

As a consumer, the debt protection offering was presented in a way that favored BofA, and not me. My savings, credit, employment history were scrutinized very closely and thus it was fairly clear I was not going to need protection during the free 1-year period. Further, it is very unlikely a consumer will remember they opted for a free service, gone unused, after a full year. 

The result is that BofA made over {$1000.00} off me, without providing any benefit and knowing the likelihood of having it 's services used under its narrow parameters was marginal.
I GOT A ALERT THAT A NEW ACCOUNT HAD BEEN ADDED TO MY CREDIT REPORT AND DISCOVERED A ACCOUNT FROM AD ASTRA RECOVERY SERVICE. THE ORIGINAL CREDITOR WAS XXXX XXXX FROM WHICH A ACCOUNT WAS OPENED ONLINE IN MY NAME. I CONTACTED THIS COMPANY AND TALKED TO THEM CONCERNING THAT MY ID AND TABLET HAD BEEN STOLEN FROM MY TRUCK AND A POLICE REPORT WAS FILED WITH XXXX XXXX PD. BOTH COMPANY 'S COULD CARE LESS AND DEMAND PAYMENT REGARDLESS OF THE FACT THE ACCOUNT WAS OPENED BY SOMEONE ELSE.
I have had a Khols card for years now. Always paid on time. My payment was very high so I could not get control of it. They kept raising my limit and I didn't realize it had gotten so high. They did not let me know they raised it. By the time I realized it was so high the payment was out of control. Then my ex husband left the state and stopped paying his child support/alimony and my employment cut my overtime I had for years. I have lost a significant amount of income in XX/XX/XXXX. I called Khols to ask them if I can just pay my past due. They said no and reported me as late even though I was not even a month late yet which impacted my credit score. None of my other credit cards did this but Khols. I thought I had to be 30 days late to be reported. Anyway, the payment jumped to over a hundred dollars in the worst month ever. I lost about 30 percent of my income last month. 
I called all my credit cards and had them closed and I was put into a payment plan where I can pay them off with no interest. I just want to try and keep my credit score intact as I am a single mother and need my score to rent, medical, etc. Khols was the only company that would not work with me. They were very aggressive all the times I called them. They said there is nothing they can do, that I either pay it or they will ruin my credit report. I told them I could not. They call me all day. All night. I get calls at my job from them. My phone rumbles all day long from Khols. They have many different numbers they call from. I finally called them today and asked them why they won't help me pay them. I just want to pay my bill! They said the only thing they can do is charge me {$66.00} a month for two years. I told them I could pay half of that. I told them I could pay XXXX a month and maybe things would get better down the line and I could pay more. They got really nasty and said there is nothing they can do. I asked them wouldn't they rather have some money than none. They said no. I am at my wit 's end. I don't understand why I can't pay off what I owe but just in smaller amounts for now. Please help. I am not trying to dodge my bill and I have learned my lesson no to depend on overtime or child support but I can't seem to climb out of this hold and can't not pay my rent or electric or buy food for my kids to pay IKhols.
For the past 6 months I have contacted both XXXX and Equifax to let them know I have been a victim of Identity Theft. I have provided them with a copy of my police report as well as the FTC report that was filed. To date, XXXX still has one account remaining on my credit. XXXX XXXX XXXX XXXX and Equifax still has a total of 4 fraudulent/unknown accounts. 2 with XXXX XXXX XXXX XXXX and 2 accounts with a company called XXXX XXXX XXXX.

I am also requesting that my phone number be placed on my Fraud Alert XXXX XXXX XXXX FTC Report Number XXXX XXXX XXXX  Police Report Number XXXX
This is my XXXX complaint regarding my mortgage status. As of this date, the current mortgage servicer ( Seterus XXXX has told me they can not provide mortgage statements to me due to my bankruptcy status. My Chapter XXXX bankruptcy case was completed in XX/XX/XXXX. Despite using this invalid excuse, Seterus sent a delinquency notice claiming my mortgage payment was not received for XXXX, XXXX, XXXX and XX/XX/XXXX. I received this notice on Saturday, XX/XX/XXXX. I have not received any other notice indicating delinquency, which I would expect should have been sent in XX/XX/XXXX, if my payment was not received. The servicing of my mortgage was transferred from XXXX to Seterus on XX/XX/XXXX. They sent the delinquency notice to my address, using the wrong name on their documents. I am not behind in payments, I have canceled checks for all the months indicated. I am in the process of getting the payee endorsement information for these checks from my bank. Seterus is refusing to service my mortgage. Seterus is the servicing company selected by XXXX to service my mortgage. Seterus is unable and/or unwilling to service my mortgage. They also seem to have tacked on miscellaneous fees to my mortgage and have included {$1100.00} in " legal fees '' to the balance on my mortgage.
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.
On XX/XX/2018 I received a credit report notification saying that Portfolio Recovery Associates is reporting a Collection Account on my 3 primary credit reports. They allege I owe XXXX XXXX XXXX the amount of {$1400.00} That debt is not mine. I asked for debt verification but they can not verified the account is not mine.
I have had a credit card with citicards about a year In XXXX 2015 a XXXX charge appeared on my statement. I had already been billed by XXXX under auto payment but this was for a different amount of {$100.00}. I disputed the charge and started the lengthy process to get it removed. The next two months the same type of bogus charge but for a different amount appeared. It took months to try to resolve it but citi finally acknowledged it was their error and the charges were dropped. I was so fed up with their handling of the matter that I quit using the card in XXXX and paid off the amount they said I owed. Unfortunately I had charged some slacks to my account that were not what I ordered and I had to dispute that charge. This charge for either {$63.00} or XXXX which varies from XXXX email to another. I am still disputing the charge and received a letter from XXXX in XXXX XXXX SD dated XXXX although I didnt get it until earlier this month. The letter stated that a correction would appear on my statement within XXXX billing period and they had corrected my account for any interest charges and fees. They added late fees to my account and they are still on the account, increasing my supposed amount due to about {$150.00}. I have had a succession of disputed charges from citi, XXXX are now resolved with removal from my account. This most recent one goes on and on. They have now gone so far as to list the charge in my credit report which has lowered my credit score from XXXX to between XXXX to XXXX. I would like to have this account cleared and my credit score back to where it should be. Thanks for your assistance.
On XX/XX/2018 I secured an auto installment loan to finance a used car at the XXXX XXXX dealership ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL ). 
Upon checking my FICO credit scores shortly thereafter, I was surprised to find that they had plummeted - from XXXX/XXXX to XXXX. The only credit score factor that led to this drop was the number of hard inquiries, reported to be 5.

I am concerned about these 5 reported hard inquiries for several reasons, chief among them that ( 1 ) when trying to secure a loan such as an auto loan there is usually a short window of time within which all hard inquiries are counted as a single inquiry, thereby minimizing credit score impact, ( 2 ) I did not authorize this many inquiries, and ( 3 ) I am naturally wary of potential identity theft.

How could it be, I ask, that a relatively good consumer like me see her excellent credit scores plummet virtually overnight by simply seeking an auto installment loan? 
It is my sincere wish that the CFPB assist me in unraveling this perplexing matter. 
Thank you, respectfully.
I noticed a few weeks ago that I had a collection account from   XXXX   XXXX   on my credit report. I did an online chat to try to see where this stemmed from. The rep could not find any balances I owed, I called in and spoke with another rep who had the same findings. A few days later a woman contacted me saying they found that I never returned equipment and had an outstanding bill. I did return the equipment and closed down the account back in  XXXX  of  2014 . I disputed the information and they agreed to remove it. They removed it from   XXXX   and  XXXX  but not  XXXX . So I called back in and discovered its because they never notified the collection agency and now they are refusing to contact the collection agency and are stating the debt is valid. Doing research online and they have a history of doing this to consumers.They have not provided proof that this account and balance is valid.
We were applying for a home loan, had something on credit report that was n't ours, now that got taking care of, but in the process of dealing with all  XXXX  credit bureaus  XXXX , Experian,  XXXX  we found out they all out sourced ALL  AMERICANS CREDIT IN FO, to what we believe was  XXXX . I tried to get them to tell me what country I was calling and they refused to say! They also would not give me their name or even an employ number and when they found out we had them on record or speaker phone they refused to talk to us, now keep in mind that is the first thing you hear when calling them , " this phone call will be recorded for training purposes '' We want all credit info to stay in the United States of American. It ridiculous that Americans complete personal info is being shipped to a foreign country, for, who know who, to see and use and they are getting every bit of our personal info, Social Security numbers, phone numbers, name, addresses, jobs, jobs phone numbers, dependents and credit card numbers .We want to know why is something as important and personal as credit report is being treating in thi s way!
Portfolio Recovery Associates have XXXX accounts in my name that are old - and if I did owe the debt was covered by a Chapter XXXX of mine. But they say I owe money on XXXX accounts but can not verify how I owe the money. I have asked for verification and a bill of particulars which that have never provided me in my local district court. Also I have called to handle the dispute - no one will give me a fax number or email address. I have been getting the run around on debt I do not owe.
there is no sufficient information to support Equifax, XXXX  and XXXX XXXX claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX
InXX/XX/XXXX I received a dunning claim from XXXX, PA, XXXX XXXX XXXX XXXX, XXXX Florida XXXX on an account and debt that were not mine. I responded in writing denying both the account they referenced and that any debt was due from me. Today, XX/XX/XXXX, I have received the identical dunning claim from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Florida XXXX with the assertion they had " purchased the assets of XXXX XXXX XXXX ''. This seems an obvious, bogus corporate left hand-right hand game with an attempt to collect debts that they know are not legitimate. They need to be put out of business.
I had a debt with XXXX that is showing on my credit report. I had to contact midland funding LLC to settle this debt. I have been paying on this debt since XX/XX/XXXX at XXXX a week. They now will not talk to me or return my calls in regards to this debt. I am trying to clean up my credit report and need this debt resolved.
This concerns an old Chase Bank Southwest Airlines credit card account that was a charge off. Chase bank contracted with XXXX XXXX, a third party collections agency, in XX/XX/XXXX to collect payment on this account on behalf of XXXX. XXXX retained ownership of the account and the third party collector worked on commission and did not report to the credit bureaus. In XX/XX/XXXX I paid off the above-referenced account. Since the payoff, I have made two disputes regarding the balance for this account with the credit bureaus and Chase. The major credit bureaus are reporting that Chase is verifying the account as having a roughly {$7000.00} balance when in fact it should be XXXX. XXXX XXXX confirms the account has been paid off, but claims Chase hasnt  checked with them at all about the disputed balance. Had Chase contacted XXXX XXXX about the disputed account, as they arguably have a duty to do, then they would have discovered the balance has been collected in full by their agent ( XXXX XXXX )
XXXX XXXX, 2017, the company ( GC Services XXXX ) contacted a family member about a debt collection belonging to my wife. The family member felt harassed and was asked to divulge personal information about my wife. The family member declined to give the info. I then called the company and was told they would not give me their name or business information unless I verified my wife 's information with them first. I declined to give a stranger this information unless they verified the nature of their business. The woman I spoke to would not give me her name, company name, or whether or not she was attempting to collect a debt ; all clear violations of the FDCPA.
My husband ran the car into a pole, attempting to avoid a dog in the street. The care was deemed a total loss on XXXX/XXXX/2016, my due date for payments is on XXXX/XXXX/2016. I thought the claim would be finalized by then, but it was not. I made over 15-20 phone calls to the insurance department at Regional Acceptance, and XXXX XXXX in the insurance area. I asked XXXX. Acceptance to expedite my claim, for XXXX XXXX of XXXX XXXX claims adjuster phone # XXXX. Claim # XXXX, to verify information, my claims adjuster was waiting for a letter of guarantee, of which the process took 4-6 weeks to send this letter. The process was taking so long, that I spoke to XXXX XXXX at regional Acceptance about the amount of time it was taking to complete the process, so she offered an extension, of which I was not sure why I needed an extension on XXXX/XXXX/2016, until XX/XX/2016. The process was not completed by XX/XX/2016. The timeliness of XXXX XXXX is unacceptable. I have never in my life, known for a total loss to take almost 3 months to complete. The Gap Insurance process my claims in a matter of days once everything was received XXXX XXXX XXXX XXXX, claim # XXXX. All of the information can be verified by calling any of these entities, in fact, I am enclosing additional information. I do believe I owe any more money, these is time limits on when and how much time these process should take and I should not have to be penalized for someone else lack of good customer service in processing this claim. The amount of time it took to process this claim is unacceptable. I never received a call from XXXX XXXX ever. I just got excuses for Regional Acceptance for the length of time it was taking. The amount is unfair. I do appreciate your time in considering this matter. The amount of my payment each month is XXXX, but the amount Regional acceptance reports is still owed is XXXX, for two months and no one can give me an explanation as to why it is this amount.
Portfolio recovery calls numerous times a day until late in the evening, past XXXX CT. I do not have any credit card debit in collections and this company is ruthless and incompetent.
CitiBank closed my Double Cash Credit Card account # XXXX XX/XX/2016 without explanation and refused to respond to my inquires. At the time of account closure, I accumulated {$200.00} in cash back rewards which I can not redeem anymore give my account status. I would like CitiBank to send me a check for the {$200.00} in unredeemed rewards. 

Thanks, XXXX XXXX
XXXX XXXX has reported a {$2500.00} account in collection on my XXXX   credit report. I have repeatedly requested proof of this debt from XXXX XXXX as well as XXXX for over the last 4 years, and have received nothing in all this time. They even tried to sue me in court in XX/XX/2014, but I hired a lawyer and XXXX XXXX promptly dismissed the case without ever providing requested proof. I question the ownership of the account as I don't know why they say I owe them this money, as well as the validity of the amount, the company trying to collect that debt, and their right to do so. My issue is that each of these disputes to the credit reporting agency XXXX have come back with the statement that the information I disputed has been verified as accurate. The credit bureaus simply ask and the reporting creditor says yes, that is it! They've already reported it on my credit report, of course they're not going to say, oops, its a mistake! There is no proof required, anywhere, ever! In the meantime ( 7 years! ) my ability to purchase a home is negatively impacted, my insurance rates are negatively impacted, my interest rates on any loan are negatively impacted. The fact that any creditor can keep collection information on individual credit reports without providing any proof whatsoever is a serious injustice to American consumers.
RE : Richland Holdings , Inc. d/b/a ACCTCORP OF SOUTHERN NEVADA We firmly believe this debt collector regularly violates the FDCPA rights of the consumers against whom it collects. 
In our case, specifically, they took a debt approximately worth {$2900.00} and within 2 years turned it into {$10000.00} ( that 's over 3,000 % in interest and fees ). Further, the interest rate, 24 %, which they claim to have used in our case is excess of the max penalty of 19 % assigned to the contract tied to this debt which was with XXXX. This debt collector enriched itself unjustly in my case by misrepresenting the amount that is owed and charging exorbitant interest fees on top of the original debt. 
I would like this company Richland Holdings , Inc. d/b/a ACCORP OF SOUTHERN NEVADA to be investigated for false representation of the amount owed and unfair practices, which are both violations of my rights under the FDCPA, and for predatory business practices and unjust enrichment.
My matter is not a payday loan but I was instructed by your representative to select that option. I received a notice of a lien on a vehicle that I have already transferred ownership of. I contacted the company to inform them that I was not the registered owner and they informed me that there was " no way to get out of paying the money to them. '' They told me that because they 're documents stated I was the last owner I would have to pay the fee. I informed them that I had the receipt of transfer of ownership that I filed with the XXXX, they informed me that that would not be acceptable proof. I spoke with a XXXX representative and they informed me that my recite of transfer of ownership should be sufficient enough. I contacted the company again while at the XXXX and the lien company representative said I would have to " order a XXXX $ XXXX and request for record, fill out section C '' and mail that to the XXXX in XXXX. He continued to detail an extraneous process of proving that I am not the owner of the vehicle which the XXXX continues to inform me is not necessary as I have a physical receipt. The lien company representative threatened that my credit would be negatively effected because they would put the balance of $ XXXX on my credit if I did not pay the lien for the vehicle. The XXXX informed me to file a complaint. The total amount of the fee is {$2200.00}.
I had a past due amount of {$1000.00} to XXXX that was paid to XXXX shortly after they sent it to a collection agency, Trident Asset Management. Trident continues to report this to XXXX, XXXX and XXXX as an outstanding balance since XX/XX/2015. I have disputed the amount owed with all 3 credit reporting agencies without success. I have tried to get XXXX to acknowledge that this debt is paid and to notify Trident but all they do is pass me back and forth between their Billing and Financial departments claiming that they show no outstanding balance and that I need to take up this issue with Trident.