WillisBack/dataset-financial-user-claim huggingface dataset:
Credit card- MasterCard through Synchrony bank through XXXX XXXX XXXX. 

I purchased a flight on XX/XX//19 I went to use the card to purchase gas on XXXX19- declined. 
I went to purchase food on XXXX19- declined. 

I call synchrony bank on XXXX19- they informed me that I authorized closing my account and wanted a new card issued. I could not understand the agent I was speaking with and she refused to transfer me to management/etc. 

I called today, XXXX19- and asked to speak to the fraud department. 
I was told by Synchrony Bank : on XXXX/19- a person claiming to be me, called from my cell phone number which is linked to my account- said I lost my card, I had a death in the family and needed a new card expedited to me- at my current address. This person was able to answer all security questions to verify it was the primary card holder. 
They said they have a recording ... but I was not allowed to listen to it. 

I told the fraud department I did NOT call them on XXXX -- I did not loose my cell phone or any personal information. I did not authorize anyone to call on my behalf. 
They said they mailed the new card out on XX/XX//19. To this date ( XX/XX//19 ) I have yet receive this new card I did not authorize. 

So- synchrony bank is closing the new card account ( as someone has intercepted my mail and has the new card and activated it ) -- - and is sending me a NEW card via XXXX  with signature needed for delivery. 

They said they will update my security but did not ask for different questions. 

I am absolutely terrified that someone can do this ... Call from my cell phone number without having my actual cell phone ; pose as the primary card holder, shut down the account and ask for a new card to be expedited, and then intercept my mail to get the new card and activate it. I was never once notified by synchrony bank that my account had been closed/a new card had been issued/or that I even called to close the account.
I tried to call them and exaplina what was happening with ny card. Theyve know for two years when I had the card I made continuous on time payment. They did not give me the change to work it out them.
Dear Equifax credit reporting, Hi Rep this is XXXX XXXX the following account was deleted from my credit files due to Identity theft/Fraud. You guys are over 60 days late deleting. the Companies has deleted these XXXX following accounts over 69 days ago. can you please follow through and Delete these XXXX accounts. They have already been investigated along with Affidavits sign. I have also received a letter from One company saying they submitted it for deletion and you guys are still the last to remove. 
I know you guys are very busy I have written 2 letter to you guys but no response. The accounts to be deleted is 1. XXXX XXXX {$780.00} 2. XXXX They have been removed from my other credit reporting burials. Thank you very much for all your help.
On XXXX XXXX, I mailed in a letter requesting a credit investigation. Its now XXXX XXXX, and I have not yet received a response.
I submitted a principal reduction payment for {$100.00} dollars on my loan in an effort to reduce my loan balance. They miss allocated the payment and charged me interest even though I am caught up on my regular payments. I made a payment on XX/XX/XXXX and in 6 days I somehow managed to accrue XXXX in interest charges. The odd thing is that from XX/XX/XXXX to XX/XX/XXXX according to the billing and payment allocation from n=Navient I only accrued XXXX cents in interest. It is my understanding from the promissory note that I can make principal reduction payments as long as I am current on my payment schedule which I am. They Explicitly state that you include specific payment instructions which I did.
REGARDING CITIBANK CREDIT CARD # XXXX CITIBANK APPROVED MY CREDIT CARD FOR $ XXXX AND WITHIN 7 DAYS CITIBANK CLOSED MY CARD ON NO REASON GIVEN, THEY ARE PUNISHING ME FOR A SIN THAT I DONT KNOW WHAT WAS MY CRIME. THEY RAN MY CREDIT AND THEN UPON INQUIRING THEY WROTE ME " WE REGRET WE ARE UNABLE TO ASSIST YOU FURTHER ''. THEY ARE BEING UNFAIR ON NOT PROVIDING ME A REASON
I do n't know these companies or debts, tried to reach out to get information on debt but nothing was sent or verified to me, I disputed withXXXX but it comes back as verified but I did n't receive anything, if this debt is valid ( which it should not be ) I did not authorize my personal information to be shared with a third party company I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. I am also XXXX and have been receiving XXXX health insurance such as XXXX and XXXX which was presented as form of payment at every doctor appointment so I 'm not sure why there is even a debt to begin with.
XXXX XXXX XXXX XXXX is a debt collection agency principally located in XXXX, VA, however, in a response to my request dated XXXX XXXX, 2016, for them to remove their collection account from my credit report as it counts as twice for the same debt in violation of the FCRA, they refused to remove their information and misrepresented themselves as a " creditor '' in violation of FDCPA Section 807 ( 11 ). This statute provides that debt collectors are liable for statutory damages of up to {$1000.00} if they are in violation of this section regardless of intent. After my most recent response to remove this collection account a month ago XXXX prior to XXXX XXXX, 2016, they have failed to respond in the least and continue to remain on my credit reports. 

Further, Original Creditor charged off {$810.00} and XXXX XXXX is attempting to collect at least {$980.00}, a {$170.00} difference.
To whom it may concern ; On XX/XX/XXXX, I was admitted for XXXX XXXX to XXXX XXXX Hospital,  XXXX XXXX, XXXX, Florida, by XXXX XXXX XXXX, ( XXXX. XXXX. ) I was in for one week. The following week I went to XXXX XXXX office for a follow up. I was informed I had caught a XXXX XXXX from XXXX XXXX Hospital. I have tried to find a lawyer to represent me. As you probably know that lawyers dont want to take it unless you make {$250000.00} per year, and I dont. Also recently the XXXX XXXX came back along with complete XXXX in all XXXX on my XXXX XXXX and the XXXX XXXX. 
On XX/XX/XXXX I noticed were a bill from XXXX XXXX Hospital c/o XXXX XXXX XXXX, had come in and I sent them a letter ( attached ) informing them I was paying on the bill and requested all the information pertaining to the account. I never received anything. 
I had paid them {$50.00} per month since released from the hospital from my XXXX XXXX XXXX bill pay every month until I have a major decrease in my income in XXXX XXXX and I changed the payment to {$5.00} monthly. 
After sending the letter XXXX XXXX Hospital, they  hired XXXX XXXX XXXX  and reported incorrect amounts on my Equifax Credit report. I filed a dispute and they told me to contact XXXXXXXX XXXX. I did they stated that {$5.00} monthly was not enough. I dont think they should file with the credit bureau if you havent missed a payment and they had accepted payment. I am paying what I can afford I am on XXXX and only make {$1500.00} monthly and have a lot more medical bills Im paying on. I always pay my bills, it might take a while. 
I am requesting this be removed from my Credit Report and find out why the original amount owed and the balance have changed significantly since XXXX XXXX took this over. 
If you would have any information on how I could seek damages against this hospital and its medical staffing would be deeply appreciated.
I recently disputed inquiries in my credit file which were not initiated by me. Equifax place these eroneous inquiries in my file instructing me to contact the creditor. If I did not contact the creditor to have them placed there why is the burden placed upon me to have them removed instead of the reporting agency, who caused this error to began with. Not only is it illegal to provide false information it is also making it harder to gain new accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Attn : Complaint Department XXXX XXXX XXXX, XXXX XXXX I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Sincerely, XXXX
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX We were on a 3 month Forbearance Plan Agreement of {$1400.00} all three payments were made on time. Modification paperwork started XX/XX/XXXX and went thru XX/XX/XXXX. 
doing this time no payments were required per bank rules. We received a copy of our credit report in XXXX and found that our credit showed negative credit reporting for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, XXXX has nothing although the payment was made on time. I called and spoke to XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX all of whom work in the credit department at XXXX and all who refuse to help. This is a new way of keeping us slaves to XXXX. The modification is intended to help us make affordable payments while going through hardship instead XXXX has raised the payments higher than before. I am unable to work due to my caring for my XXXX XXXX  XXXX Veteran spouse and XXXX don't give a XXXX XXXX XXXX! Our payments are now at {$2200.00}. Because of the negative credit reporting from XXXX we can't move forward.
This was account was taken off my credit report due to identity theft and company deleted than put back on my record.
When going through the verification process it was asking me questions about a mortgage loan which I have never had. Also, while on unemployment I was notified that the State of Oregon 's XXXX database was hacked and I never received identity theft protection. I know that there is erroneous information on my reports and I can not access it.
Collection agency in question has failed to respond to debt verification via telephone and written correspondence. Agency has informed me that they will continue to asses fees onto original amount due ; although I have not heard from agency in over one month. Their practices seem to be very predatory ; I would like some form of explanation and clarity and complete removal from my credit profile.
I am applying for a home loan, and one of my positive accounts is missing from my Experian credit report, which is adversely effecting my credit scores. I am an authorized user on my wife 's XXXX XXXX revolving credit account, and this information shows on both my XXXX and XXXX XXXX reports, but the tradeline is not showing on my Experian credit report. I contacted XXXX, the issuer of the XXXX XXXX account, and they stated they ARE reporting it to Experian and that there is nothing further they can do since they are actively reporting the information, and that it is on Experian 's end.
I was with a Mortgage company for some years. My mortgage was brought or giving to my previous MTG company. I was behind often and I would ask for waivers, or if they could refinance my MTG but they always told me that they couldnt because my MTG was like a car loan so they could not do it. They always threaten to come get my double wide and I always said, how are yall going to do that because my land was finance with my house. I would tell them that I never had any trouble getting my payment waiver with the company that had my MTG before they had it. So finally they had me to write them and tell them my situation and why I could not make my payments because they where suppose to refinance it but, they said they couldnt. So I talked to my bank about refinancing for me. When I had to call the previous MTG company about the title it was to my surprise, they told me that they didnt have it. 
I called everyday to speak to someone different and there answer was the same. Doing that same time I went to the court house to check on the title and when i did that i saw the original MTG company as the owner on the deed. I even checked with DMV because they said it was like a car loan. I called around to attorneys and asked questions but none of them gave me any value information. I also looked online for information but nothing was clear to me as far as this being right. I also wrote the attorney general. They didnt receive any thing from them either but after the MTG was refin they sent them a letter and told them they didnt have the MTG any more. There name was never on the MTG, they didnt even own it and they knew it but they kept collecting my money every month. When I went to the closing I was told by the attorney there that they had to do a lose title because the MTG company didnt have one. I didnt know about a 3 day cancellation because the attorney didnt give me any paper work until they recorded it at the tax office. When looked it up the next week the new MTG company was on the deed. I just think this was wrong and I dont think they should been able to sell something they didnt have ownership to.
Whom it may concern, My mortgage loan is servicing by Ocwen Bank. They sent me a letter with the notice my interest rate changing to 3.125 % ( old rate 2.875 % ) and payment will go up to {$2300.00} My current payment is XXXX and it 's increase by XXXX %, when interest went up only .XXXX %. 
So how is can be? Well it could be, if the loan is going in the full payment. I would like to get explanation, why do they do against the contract? As per contact that could be happening only after XXXX payments were made. The loan starts on XXXX XXXX XXXX, so it should happen only in the XXXX XXXX. All documents are attached. 
The second is interest rate : My most recent statement said ( also attached ) 2.875 % is good until XXXX XXXX XXXX. So it 's meaning the new 3.125 % is wrong? 
These people do n't know what they are doing? How many customer are same situation or just do n't pay attention what is said on their statements. 
Please take action and somebody got to be pay for the mistakes? I would like a get fix rate, that 's all I want. They are refusing me to do a loan modification for 5 straight years. ( including IndyMac ). 

Please help us we would like to keep our house, but it feels now, just would like a quit and wait for few years, and buy house with different bank. It 's sad when they have this " Helping Homeowners is What We Do! '' is complete opposite in the real life. 

Thank you XXXX and XXXX XXXX
I sent a request for debt validation to the creditor, XXXX XXXX on XX/XX/18. They have not responded and it has been over 30 days. As per FCRA ruling they have 30 days to respond to and request for validation or the account must be removed from my credit report immediately. XXXX XXXX has failed to respond in the allotted time and I am requesting that the account be removed from all my credit reports entirely. Attached is my original documentation of the request for validation dated XX/XX/XXXX along with the receipt for the mailing postage. Please remove the accounts portfolio recovery, from my XXXX, Equifax and XXXX  Reports. DO NOT RESPOND TO THIS WITH A NOTICE TELLING ME THE ACCOUNTS ARE VERIFIED. The verification request was sent to the creditors and ignored past the 30 day ruling of the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY - ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Address XXXX XXXX XXXX XXXX XXXX on my personal information I never lives at that address before and I would like to remove it from my information thank you.
Chase Auto Finance is reporting the same loan twice on my credit report. I have reported this to the credit bureau however Chase keeps verifying both accounts as valid. I have only had one Chase Auto finance loan but reporting the same loan twice with slightly different account numbers is not helping my credit. XXXX has listed one account # as XXXX and the other as account # XXXX. Chase Auto Finance needs to remove these duplicate records from my credit report but they are failing to do so even after I have asked XXXX to reinvestigate.
Ad Astra Recovery Services company placed an invalid debt on my credit. I have been disputing this company since XXXX 2016, and I have given them more than enough time to produce documents proving this to be my debt. Ad Astra has failed to provide any of the requested docs that I asked for.
I HAVE NEVER RECEIVED ANY COMMUNICATION VIA LETTER, EMAIL, VOICE, ETC FROM THIS COMPANY NOR HAVE I RECEIVED ANY TYPE OF VALIDATION DOCS PROVING THIS DEBT TO BELONG TO ME. THIS IS ILLEGAL AND AGAINST MY RIGHTS AS A CONSUMER. I WANT THIS REMOVED FROM MY CREDIT REPORTS ASAP.
Also, the last time I communicated with this company, they stated that this is an " electronic debt '', which I have no clue as to what that means. This company has failed to provide me with the info they used to contact me .If this company is insinuating that " electronic debt '' is an online account, that would further prove my point that anyone can sign an e-disclosure, bc its done ELECTRONICALLY BEHIND SOME DEVICE, therefore that is not acceptable to use as an excuse of validation.
This account is being disputed and has not been verified, so marking it as disputed on my credit file will not suffice. According to my consumer rights if I dispute a erroneous account and has not received validation ... .you must delete the debt until solid proof is confirmed/ found. I will be escalating my concerns in regards to the violation of my consumer rights as well.
I contacted XXXX after being a customer of 15 years of more that I was entered into a contact without my approval, and tried on several attempts to cancel service without them Billing all those fees with cancelation. And the vendor would refuse to take the phone back within a 24 hour timeframe. I done all I could do to resolved, by giving them their phones back with receipts to one of their authorizes vendors located in XXXX XXXX. They've now reported a negative balance of {$1600.00} on my Credit Report and causing damage.
I came home on Friday and there was a letter sticking in my door. They said that I owe them and they were stopping by to collect the money that I owe them. {$170.00}. Failure to respond may result in legal action to satisfy the debt.I feel threatened by this company as if I was at home they were going to force me to pay them on the spot.
I 'm filing a complaint because of the lack of help and correspondences from Wells Fargo with regards to the home of my aunt and last living relative the now deceased XXXX XXXX XXXX in an effort to modify and assume her loan. As the assigned personal representative of the Estate XXXX, I have sent the requested documents and they keep saying that they never received them. The loan as been reassigned without forwarding information, new loan options have not been communicated, nor notification received regarding the status of the loan. Messages are left and not returned.
I applied for a refinance with SoFi and I was offered much worse terms than they advertise. I have approximately an XXXX FICO score with over 12 years of stellar credit ( deep credit ), I make over XXXX, I have no debt except for a car loan and the student loans ( not even a mortgage ) ; and SoFi quoted me at 4.99 % as the best possible fixed rate. The company has been advertising 3.5 % interest rates all over ( competing with other student loan refinance companies ) ; if I am not being offered the best rate, I believe that there may be some fraud going on with marketing the rates.
We bought a home in XXXX 2011 and got a landline number from XXXX. Apparently the number previously belonged to someone else, because for the last 5+ years we have received dozens of calls from various debt collection agencies asking for a XXXX XXXX . We do n't know anyone named XXXX XXXX, and we always tell the caller this and request that they do not call our number again. 

What would prevent one debt collector from simply re-selling the debt portfolio to another agency, with our phone number still attached to a debt for XXXX XXXX? How can we ensure that our phone number is divorced from this unrelated debt?