WillisBack/dataset-financial-user-claim huggingface dataset:
Portfolio Recovery Associates, XXXX, {$4900.00}. I have sent Portfolio Recovery Associates, XXXX several debt validation and Portfolio Recovery Associates, XXXX has not responded. Portfolio Recovery Associates, XXXX has alos reported this collection to all 3 of my credit reports. I have no knowledge of this collection
I am a victim of identity theft. Someone stole and used my personal information to open up a credit card account with Bank of America. The account is unauthorized and fraudulent. I have never applied for a credit card account with Bank of America.
I spoke with collection agency about a debt from a hospital bill. I express to the collection company that I had insurance and should n't have had a bill. I ask them to notify the creditor that I was disputing the debt, as I had n't received any communication from the hospital. I ask the collection agency for the creditor information, but I never received it the information. 

I also wrote a letter to the collection agency twice, with no response. In retaliation about the debt and possibly letters, they placed the XXXX collections on my credit report. The collection company is Franklin Collection Services , Inc. They are based in XXXX, MS . 

Please look into the practices of this company, as I 've seen various people online speaking about their collection practices and the numerous violations of the FCRA. My credit has been damaged tremendously by this act. I pay my bills on time each month. I had a XXXX credit score before they placed these accounts on my credit report. 

Regards, XXXX
XXXX pulled my credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX pulled my credit XX/XX/XXXX ( Did not authorize this ) Coaf pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX pulled my creditXX/XX/XXXX ( Did not authorize this ) XXXX pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX 's XXXX XXXX XXXX pulled my credit XX/XX/XXXX ( Was told i wouldn't get a hard inquiry ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX/XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX pulled credit XX/XX/XXXX ( ( Did not authorize this ) XXXX XXXX XXXX pulled creditXX/XX/XXXX ( Didn't Know about this hard inquiry ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX pulled credit XX/XX/XXXX ( Was told this wouldn't be a hard pull ) XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) I've tried calling, email and mailing! Phone calls get me nowhere, but told to call the credit agencies, which only tell you to call the company who did the hard pull! Emails get no response. And trying to mail request for removal of inquiries is hopeless.. the address are either old or XXXX XXXX Please help me resolve!
Account #  XXXX   Professional Adjustment says I owe {$620.00} on my credit report. I have asked the credit bureaus to validate t his debt. I have also called professional adjmnt Company who says they can not talk to me they have a cease and decease they have never sent a bill or validated this debt with me. They are voilating my right to have this date validated.
Just before XXXX, I XXXX XXXX had my debit card number compromised. When i noticed a negative balance on his account a week later, i immediately reported fraud and was issued a new debit card. Chase reimbursed each transaction totaling almost {$1300.00}. 


However, Chase reclaimed this money on the flimsy defense that because i did not log into his online account during the fraudulent activity, it made me liable -- even though i reported fraud the moment he noticed it, well within Chase 's policy that requires its bankers 60 days to report fraud. 


There are many variables as to why someone would log into their account or not. For me, I had a surplus of money in my account and my bills were paid, so i did not need to check his online accounts as frequently that week. Instead, i freely spent my hard earned money on gifts and social engagements during the holiday season. 


But when i logged in a few days later and noticed his account was drained, he did what anyone would do -- he closed his account and reported fraud. I have since made a police report as well. Also may i add i was never notified by chase of fraudulent activity i found it myself and reported it from looking at my online information. 

Chase 's reasons for not reimbursing XXXX XXXX based on online login patterns are suggestive and unsubstantiated. The patterns Chase should be concerned with is that of blatant fraudulent activity that Chase should have been monitoring to alert him. Chase has an obligation to protect their customers from fraud as a member of the FDIC. 

Even the Branch Manager Vice President, XXXX XXXX, immediately recognized that transactions on a debit card issued solely to myself were being made in both XXXX and XXXX sometimes within hours of making purchases in his my of XXXX, XXXX. Also, the charges in these XXXX other states were always made at gas stations -- sometimes several in the same day -- for similar monetary values of {$100.00}. These are patterns of fraud that is evident in concrete FACTS. 


To think that Chase is more concerned with the subjective patterns of login activity instead of obvious patterns of fraud is downright absurd. Chase is violating their own policies and practices -- the 60 day reporting policy for fraud, the zero liability as a Visa card holder, and the membership Chase holds with the FDIC. 


Due to Chase 's unethical business practices, i had to borrow {$880.00} from family to cover my XXXX 2017 mortgage payment so that he does not default I am appalled at the conduct of this bank and expect Chase to reimburse me so that I may recover my funds as soon as possible. 

But even still, Chase REFUSES to reimburse me. 

Chase Claim # XXXX ( Document Included ) Police Case # XXXX XXXX XXXX XXXX XXXX ( Document Included ) Chase Acct. # XXXX Ive also included my bank statements which show transactions in both states at both times.
I have several unauthorized inquiries on my credit report. I am a victim of identity theft, and I have been in the past. I did n't give any consent to open any new inquiries. Immediately remove these inquiries off of my credit file within 5 days please. I have took the necessay step sending you several certified letters through the mail and I have n't gotten a response from any companies in a total of 90 days. No account or inquiry can be verified without any documents. According to the FCRA, by law unverifiable signatures or unverifiable documents ca n't be verified verbally.
1. XXXX XXXX XXXX XXXX XXXX, 2017 2. XXXX XXXX XXXX XXXX, 2017 3. Navy FCU XXXX XXXX, 2017 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX 5. XXXX XXXX *
XXXX XXXX claims I owe them {$4300.00}. They started sending me letters stating that I owe them money so I sent a letter asking them to verify the account with any documentation bearing my signature on XX/XX/XXXX. They could not provide my signature so they sent another bill. I responded with another letter on XX/XX/XXXX asking them to provide my signature or remove this from my credit reports. The information was still on my credit report so I sent a final letter on XX/XX/XXXX asking to remove this or I would take them to court for 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act. 

They called my parents home that I have not lived in over 10 years and discussed me " owing '' them money which clearly violates the Fair Credit Reporting Act. 

I do not want to go to court but I want this off of my credit report. This is costing me more money in interest payments and has kept me from getting much needed credit. I have been denied credit because of this information that they have yet to provide my signature. 

A lawsuit will be my next step.
During the hurricane Irma. XXXX put me on a hurricane disaster program until I caught up on my account. I advised them my job won't open until XX/XX/2018 due to damage. The rep stated it won't affect my credit. After looking at my credit and disputing thru XXXX  XXXX they denial my claim for hurricane issues.
This is being submitted because of an ongoing issue with Ditech Financial LLC. They have mishandled our account and specifically our mortgage payoff, and have placed negative incidents on our credit report. We paid them in full on XXXX/XXXX/2016 as prescribed by them and yet I am still having to deal with them. 
re : [ complaint # XXXX ] re : [ complaint # XXXX ] They have now acknowledged our payoff, and returned our escrow. Unfortunately the amount they sent us was wrong. On the payoff quote generated by them clearly shows and escrow balance of {$2500.00}, but they sent us a check for {$2300.00}. Did they think we would n't notice {$190.00} missing? Well ... we did, and we want the rest of our money. Since we did n't make anymore payments to escrow and they did n't disburse any money, the check should have been for {$2500.00}. It 's been almost 2 months and I am getting tired of having to deal with them anymore. When will they get it right? 

And now all XXXX major credit agencies are showing the negative credit information. We pay all our bills on time. The only negative mark in all our credit history ( 30 years ) is from them, them who caused all this by their incompetent handling of our account.
I have disputed several accounts with the  XXXX  credit reporting bureaus Experian,   XXXX   and  XXXX  the credit accounts opened well over 7 years ago and most have a  XXXX  balance. Also it 's been  two  years and some hard inquiries are still showing on my credit report. I do n't know why the credit bureaus will not remove all of these accounts. There 's a lot of unlawful credit reporting activities and this most definitely  XXXX  of them.
I submitted a credit card application with American Express which was approved. The application required my physical home address. This is the same address which was included on the credit card application. 

Our mailing address for four different locations including my current address are forwarded a post office box. One credit card was delivered to my physical home address. I added three authorized users explaining to American Express that the additional cards could be forwarded to our post office box. 

Attached is a copy of a letter in which American Express changed my physical address and is requesting my physical address. I called the company several times requesting to speak with a supervisor. The supervisors never returned my call. American Express suspended my purchasing privileges.
We fell behind due to timing of the hurricane, as well as my spouse losing their job back in XXXX of 2017. We have been working extremely hard to work something out and sending the required documents requested week after week. It's to the point that we are still having problems with the company from losing Documents, one person stating that they have everything to not having the documents a few days later, submitting the same Documents over a month later to documents expiring because of this long process. We are trying to save our home, but Loan administration does not have their stuff together.
I have recently disputed some incorrect information numerous times on my Equifax report. 
*XXXX # XXXX XXXX XXXX XXXX *Accounts- XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX Equifax has stated they verified all these accounts but the account details continue to remain inaccurate. 

I do not believe that they are verifying the information with the creditors listed. Each time they just add new information and it still is inaccurate. 
I request to be provided with the dates and ID # of the person at the companies who Equifax claims reported this recent update. This is affecting my ability to get a home loan and should be removed.
In XX/XX/2016 a formal notice of dispute was sent certified mail to Equiant Financial demanding the validation and verification of an allege loan debt, Equiant Financial failed to respond. In XX/XX/2016 a second notice was sent demanding validation and verification of an alleged debt, Equiant Financial failed to respond. in XX/XX/2016 a third notice was sent and Equiant Financial failed to respond. 

Equiant Financial is in violation of Fair Debt Collection Practices Acts that require a debt collector to validate the debt they are attempting to collect on. Equiant Financial is violating XXXX Laws which require a debt collector to cease and desist collection activities prior to validation of alleged debt. Equiant Financial continues to attempt to collect on an alleged debt without strict proof of its existence. This falls under XXXX and XXXX laws. Equiant Financial is sending mail with false and fictitious names, a criminal conduct falling under XXXX XXXX XXXX. XXXX - Fictitious Names. 

I also reviewed my credit report and noticed Equiant Financial continues to publish negative remarks to Experian and Transunion credit agencies. Equiant Financial also failed to report this debt to the credit bureau as being disputed. This is defamation of character and a violation of Fair Credit Report Act which falls under willfully non compliance.
I was a victim of hurricane Harvey. I was advised my loan would be deferred for two months. I began to receive deliquent calls. I spoke to a rep that said there was a miscommunication that once I pay the bill it will go they would change my due date to mid month. Which did not happen. I advised I was unable to make the payment. They said they would work with me and every thing will fine. I was told I qualified for an extension. Then I was I told I cant get an extension. I feel this was based off discrimination. Im very upset. I was advised that Hurricane Harvey was last year. I asked for a supervisor she proceeded on the line. I was advised I do not want to be contacted by auto dialer and they continued to call me with the auto dialer.
XXXX XXXX reporting wrong info on me. XX/XX/2018 XXXX # Please fix and DELETE.
Paid Loan off, have letter. Another company Mohela is asking me to pay off loan, again.
Was XXXX contacted by a strange number XXXX XXXX XXXX, when answering the call the caller refused to say anything. When I called them back I was asked about personal information such as name, previous addresses and social security number. They ( Contract Callers ) claim it was a debt from a credit card first saying in XXXX and then changing it to XXXX. I told them I did n't know anything about this credit card company in question, and that they were in fact violating my rights by not contacting me via XXXX mail with information containing the alleged debt. I was talk to very rudely and told them I would have my attorney view the allegations as it seem to be fraudulent or perhaps even a scam. It was suggested by the representative that I may have been a victim of Identity theft however, I use credit protection and alert systems that notify me of such matters so I think its completely a lie.
I am self-employed and hit a slow down causing me to fall behind on my mortgage last fall. Selene Finance currently handles my loan. I almost feel like they want me to lose my house, for me to go into foreclosure. I tried to pay 2 payments but they told me that I had to pay all of the past due amount at once. Then they suggested I apply for a loan modification. This process started in XX/XX/XXXX and ended XX/XX/XXXX. Because I wasn't allowed to make payments, I am now 5 months behind, which includes the payment due this month, XX/XX/XXXX. My single point of contact, XXXX XXXX, who was the second point of contact assigned to me. The first one never called me and in fact, I was never able to reach her. I have called and left countless voicemails only to never have them returned. Anytime I called XXXX, it instantly went to his voicemail. The only was I was ever able to speak with someone was to call the regular customer service numbers. The loan modification process dragged out for 2 months because every time I called, I was told I needed to supply information that I failed to supply. And each time I sent that so called missing information, I called to verify receipt and was told I needed to send in yet another document. Finally, I was told I would receive an answer by XX/XX/XXXX. The answer never came. I began calling XXXX daily, starting Friday, XX/XX/XXXX, and left at least one voicemail per day. I even emailed and finally received a response in the email stating that I needed to call XXXX at his number which is what I had already been doing. 
I called today and selected the other option to speak to a regular customer service representative who told me my loan modification request was denied and that the next step is to do a short sale. I was told that if I was to make the total past due amount, which is now 5 months, that my loan would have to be reinstated of which there is not guarantee. 
The reason why I am now 5 months late is because I was told any payments made would not be accepted. I have been able to make 2 payments but that wasn't enough when I became 3 months late. So this drawn out process for the loan modification began in XX/XX/XXXX, which added 3 more months, making me a total of 5 months past due. This is why I feel like they wanted me to go into foreclosure. 
Also, the lady I spoke with today told me a letter was mailed out on Friday, XX/XX/XXXX. As of now, Thursday, 2XX/XX/XXXX, I haven't received a letter. I am still waiting on XXXX to call me, a week after I began leaving him at least one daily email. 
Oh, one last thing, the lady today told me that XXXX has been calling me and leaving me a voicemail since last Friday. I told her I can prove through XXXX XXXX XXXX that he hasn't called me, let alone leave a voicemail. I think that threw her off and she said that wasn't necessary. Selene Finance does not look out for the interest of their mortgagees because they can make more money by foreclosing on my house and getting a new owner with an interest rate double of what mine is which is 2.7 %!
The credit bureau is reporting that I owe {$410.00} for an account under the name "  XXXX    XXXX     XXXX    XXXX   XXXX   ''. My report shows that it was opened in  XX/XX/XXXX  with an account number of "  XXXX  ''. I have never had any business dealings with this company and do not understand why this is being reported to my credit. I have never received any bills or letters in the mail explaining that I owe this debt or even why I owe it. This is not my account and I do not have a delinquent debt with this company. I have disputed this with the credit bureau numerous t imes ( si nce  XX/XX/XXXX   ) only  to receive bogus responses saying that the account has been verified? I 've done research of my own and I even called this company using the phone number provided in the credit bureau response letters. The representatives I have spoken to can not find an account that matches my personal information. Clearly something is not right. I need this to be addressed immediately. It should not take this long to conduct a proper investigation and confirm that this account is not mine.
Banks are charging " overdraft fees '' for transactions when using your debit card. the problem is that when opening an account they do n't disclosed the consumer that there is a charge of {$35.00} per transaction causing consumer to pay a large amount. In my case there was approximately XXXX charged to me and the bank is refusing to return. I went to multiple branch and I was told that is nothing that they can do. The policy should be for both agreeable by both consumers and bank. I was hardly using these particular account and was under the impression that I have money in since I am depositing XXXX every paycheck. Also, they send me a new card that according to the branch manager said that the card is linked to pull money from all accounts including my minor account and when I ask she does not know why it was set up like that. then to another bank in which the staff including the manager were very unprofessional and rule, I was literally begging for the money and the bank does did not care
My check was garnished. It was overpaid. Company stated the funds would be returned to my employer. Instead, it was processed. Company is now refusing to refund my overpayment in a timely manner.
American Express is exploiting flaws in the CFPB Process. 

The complaints are supposed to be reviewed in 15-60 days. American Express insetad responds immediately that " they are investigating '' and closing the complaint without providing their final response. 

Because CFPB automatically closes out the complaint once the company responds, it allows complaints to be closed with no substantive response from the business. 

In one case American Express closed a complaint 2 days after being filed with this tactic. They never responded with the outcome of their investigation. Given that CFPB gives 60 days for a company to respond, their is no reason to respond within 2 days that they are investigating other than to show they are timely responding and forcing the customer to give feedback before the investigation is complete. 

This leads to the second part of American Express exploiting flaws in the CFPB Process. 

CFPB reports that another complaint can be given on this issue of closing out the complaint without providing an actual response. American Express responds to that complaint as a duplicate and allows it to be closed without actually responding. 

This duplicate status marked by the company, does not even give the customer the ability to provide feedback to the duplicate status. 

So a company can never respond, and allow no further complaints to CFPB with this strategy.
On XX/XX/18 while on vacation, Wells Fargo closed our current account without notifying us and " upgraded '' our credit card without our notification or request.