WillisBack/dataset-financial-user-claim huggingface dataset:
I have reached out to Portfolio Recovery on several occasions to report accounts that are fraudulent as well as the 3 major credit bureaus, XXXX, XXXX  and XXXX. XXXX  removed it per my request and demand, however Portfolio won't remove it even though XXXX found it to be fraud and removed said accounts. The account was being reported to my credit multiple times, once by the original creditor, XXXX XXXX and then again by the collection agency, Portfolio Recovery. Portfolio Recovery fails to cooperate with my request after multiple demands to their letter. They are now in violation of the Fair Credit Reporting Act Section 623 ( a ) ( 6 ), Section 623 ( a ) ( 9 ), Section 623 ( a ) ( 2 ), Section 615 ( f ) for which that reads : Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). 

A copy of my photo ID has been attached. 
I am unable to include my social security card as the card has been destroyed over the years and a new one is not available at this time.
Went to the credit card companies website to make a payment. I submitted the payment and the response from the website was the transaction " timed out '' please visit our site at a later time. I logout out came back, later and tried again. This time the message was, we are experiencing technical difficulties. please try again later. I did and got the same message. When to check my checking account balance and the transaction was posted XXXX times. Called the XXXX number on the back of the card. Operating asked me which of the transfers were to be reversed and I told her the last XXXX. I asked how long it would take to have the funds returned and she said, " depending on the backlog, between XXXX and XXXX days ''. 
I found this situation unacceptable. Want to let other know of the issue I was having.
I have an FHA loan that was being serviced by Greentree servicing. Greentree servicing has since changed to Ditech. Neither company paid the XXXX/XXXX/2015 tax payment that was due. I called on XXXX XXXX, after receiving a delinquent tax notice. I then faxed the notice and the original tax bill to Ditech. As of XXXX/XXXX/2015, the tax is still delinquent, and interest is accruing on the account.
I NOTICED IN MY CONSUMER CREDIT REPORT THAT A LIEN IS FILED ON XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF {$18.00}, XXXX AND XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF XXXX. I AM UNAWARE AND HAVE NO KNOWLEDGE OF SUCH CASE. 
I FILED A CHAPTER XXXX BANKRUPTCY THAT WAS DISCHARGED ON XXXX/XXXX/XXXX. THE ALLEGED LIEN HOLDER FAILED TO FILE A PROOF OF CLAIM DURING THE BANKRUPTCY MEETING OF THE CREDITOR.
My credit report shows an opened account with XXXX XXXX XXXX. 
Account # XXXX, opened XX/XX/2016. I have already disputed this with all three credit bureaus & the XXXX company. This is fraud. I have a fraud alert on all accounts. I need this deleted off my credit report ASAP. This account & inquiry does not belong to me & I did not authorize it. I have disputed this to Equifax & it still has not been removed from my credit report. This is damaging my credit & I am demanding it to be removed ASAP.
On XX/XX/2018, I recevied a letter from XXXX XXXX, showing that my account with them was paid in full. XXXX XXXX, the Assistant Manager for Customer Service Department of XXXX sent the letter to my email. 

However, on the XXXX Credit Reporting System, XXXX continues to show that I have a late pay, ( which I don't ), and they show me 30-45 days delinquent although I have made past payments on time and paid the balance off completely. 

Each day this stays on my credit report, the days delinquent increase. I have contacted them and discussed the situation with them, it continues to remain on my report. This also has an impace on my credit score, causing it to drop. 

XXXX has also locked me out of my account but I can not get assistance with this over the phone with XXXX. The lock out is due to me perhaps answering one of my security questions incorrectly. So at this point I can not get in to see the details of my XXXX Report. The reps at XXXX do not speak clearly on the phone therefore it's difficult to get anything resolved. This dispute continues to go on and on eventhough I have paid this account in full.
I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day and can not verify this account, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. " that I have disputed. Please resolve this manner as soon as possible. Thank you.
In XX/XX/2016 I submitted XXXX payments to my Citibank Credit via a Citibank branch for a total amount of {$3000.00} with XXXX {$1000.00} travelers ' checks payable to Citicards. The payments were rejected and I immediately followed up with another payment. I was originally informed that the issuer did not pay the funds and that the checks would be returned. I waited a couple of weeks and when I called Citicards again I was not given a clear answer on when I would be receiving my funds back. I was bounced around different departments with no result. I followed up the Traveler 's Check issuer ( XXXX ) and I was informed that the reason that they did not pay the instrument was because Citicards ( Citibank ) failed to properly endorse the checks and that if they do not have the originals, they were supposed to by federal law to provide me with legal copies. I contacted Citibank again and relayed this new information. I was informed that Citibank destroys checks received as part of their process and I once again voice my concerns regarding my missing funds. I was again bounced around different areas until I got to Citibank 's Executive Response Unit office where I was assured I would receive help. I was informed that they could not provide me the funds or legal copies because they never cashed the traveler 's checks. I informed them that the reason that the checks were rejected was because Citicards failed to process them correctly with the proper endorsement. The issuer XXXX representative is requesting a letter from Citibank or Citicards explaining why they did not properly endorse the checks and why they are unable to provide legal copies before they can take any additional steps. I provided all this information as well as the XXXX Rep contact information and I have not heard back from them in more than 2 weeks. I have sent repeated emails for an update and have left my Citibank case workers ( XXXX XXXX and XXXX XXXX ) multiple messages with no response. Please assist me, it has been over 3 months now and I have lost {$3000.00} due to a Citibank error and they are not providing any viable solution. 
Contact Information : Me : XXXX XXXX, XXXX Citibank Executive Response Unit email XXXXXXXXXXXX Case Workers : XXXX XXXX, XXXX and XXXX, XXXX
It is a RESPA VIOLATION to give or receive a thing of value for referring business between lenders and Realtors. XXXX SC is a cesspool of people like Prime Lending buying business at the expense of clients. 

From XXXX-XXXX on Tuesday X/XX/2017, Prime Lending is having a party with an open bar to thank their referral partners for business in XXXX SC.
We have been the victim of countless acts of crime from numerous sources within a corrupt and non compliant industry. Attached is a settlement offer to end the dispute.
I do not owe this company. I have never received any notice from Carter- Young Inc , verifying that I owe them money. I 've never had any dealings with Carter-Young.
Received alerts on my credit reports that this was added. I called the company, gave them my name, address, SS, DOB, etc.. They couldn't find anything with regards to me in their system. Not sure how or why this showed on my credit if they didn't have any information on me at all. 

XXXX XXXX XXXX  . 
Medical Bill Original Balance : XXXX Balance : XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX
J.P. Morgan Chase is foreclosing on my property with an assignment that has been robo-signed and conveyed fraudulently, and refused to restructure the mortgage payment.
I sent a letter o Transunion to update my personal information such as my addresses on my credit report. They updated the addresses but changed my primary name to  XXXX  and I sent them a copy of my ID and utility bill. I called inform that, my name is incorrect on my credit report and I was told that I need to contact my creditors to tell them to report my name. My name that I use with all, my creditors is  XXXX , even my ID and utility bill that I sent shows that. I spoke with  XXXX   XXXX  at  XXXX  on  XXXX / XXXX /  XXXX   and he said they changed my name because one collection agency by the name of  XXXX  sent something with  XXXX  and that 's why they changed it. I asked him how can they change my name for one creditor when I sent in my Maryland  State Driver  's license and Utility bill. I called back at  XXXX  spoke with  XXXX  and he said that the same thing that my creditors had to report my name  XXXX   XXXX  when all my credit cards are reported with the last name  XXXX   XXXX  I called again at  XXXX  and spoke with  XXXX  and she states the same thing.
XXXX XXXX continues to report debt on an account that is not mine and a result of identity theft.
My credit report and millions of others were hacked via Equifax in XXXX 2017 putting me and many others at risk.
I believe Quicken Loans is violating federal law by collecting more than the cushion allowed by federal law. 

Our annual escrow report for XX/XX/XXXX shows a balance in XX/XX/XXXX for {$880.00}. Our property tax and homeowner 's insurance totaled {$3500.00} ; the 1/6 cushion allowed by federal law is {$610.00}. 

The summary of my projected escrow account for the coming year shows Quicken estimates our property taxes will increase to {$4500.00}. 

On XX/XX/XXXX I contacted a client advocate regarding the increase. XXXX told me that the increase is based on the county 's assessment. I asked her to send me the documentation that justifies their increase. I have not yet received it. 

I then called my county assessor who informed me that they don't send assessments out until XX/XX/XXXX. She stated property taxes were likely to stay the same for XX/XX/XXXX.

The property tax increase appears not to be justified and is over the allowed 1/6th cushion.

Thank you for your time.
We are trying to work with sps mortgage to fix our home loan. 
We uploaded the application we filled today and sent to them. 
We have been trying to work with sps mortgage for years now and they just keep denying us without good reason they just dont want to work with us. 
this was a bad toxic predatory loan originated back in XX/XX/2006 misrepresntion on terms of loan and forgery on documents from the loan broker.
The account below is being reported wrong. Account showing closed with a balance. I have received a XXXX for this account so balance should be XXXX. Not sure why bank continues to report it with Balance. 

The account is not in collection of should be listed as charge off. 


Auto Account : XXXX XXXX XXXX {$31000.00} Closed
Greetings, XXXX XXXX XXXX is currently reporting to Experian that I had a lease with their company, which totaled in the amount of {$18000.00} opened in XX/XX/XXXX. I am not  aware of who opened this account nor do I have any information outside of what was provided in the letters sent to dispute this account in XX/XX/XXXX. Upon my knowledge of this fraudulent account, I immediately filed the proper reports to support my position of identity theft, on this account and several other items on my credit reports. This account was fraudulently open in my name. This has become very frustrating for me and is causing damage to my credit. I have made efforts to dispute this issue for a whole year and this is still hindering my credit. 
Pursuant to Fair Debt Collection Practices, XXXX has not been able to provide me with 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this fraudulent debt. 

They have been non-compliant with federal laws under the Fair Debt Collection Practices Act. I further remind you that they are liable for willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ]. They have failed to provide a copy of any alleged contract or other instrument bearing my signature. 

Lawfully I am able to seek {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act With regard to Experian, they are continuing to give me a hard time with this account. XXXX, as well as XXXX, were excellent in assisting me and understanding my concerns and have complied with my efforts in disputing this account as a fraudulent account and have completely removed it. I notified Experian of the actions in XX/XX/XXXX that the other two bureaus have taken and they are continuing to keep this account on my credit profile. I have taken the steps to dispute the account on Experians website and certified mailed letters regarding FCRA Section 605B.  They are handling this request as a common dispute and had no urgency in complying with the law. 



Thank you for your assistance in this matter.
On XX/XX/2018 I went to deposit cash into an atm that is located on XXXX XXXX in XXXX, PA. It was inside the lobby. The machine kept saying it could not accept the cash, and kept spitting it out. I have had multiple problems with PNC 's atms!! And this one in particular was even replaced, and the still have the same issues!!!!!!! I did not try a 3rd time because in the past the atm ate my debit card, and it was a MAJOR HASSEL TO GET IT BACK!! I called thier customer service, and they supposedly reported the issue and he refused to send me an EMAIL CONFIRMATION OF OUR TALK, AND HIS PROMOSE TO REPORT THE INCIDENT. That was very unprofessional also! So I literally have no proof that he even noted my account of the incident. However, this time I was smart, and took a photo of the atm, when it said it can not process the cash deposit. 
Now my account has 4 overdraft fees!! I want those reversed NOW.
I sent certified mail requesting that my account show proof that my medical insurance was billed by XXXX hospital for my visit on XX/XX/2015. Collection Consultants Collection Agency is billing me without having ever billed my medical insurance. I never received a response by mail from them in which I am entitled to. They ignored my certified mail and refused to show me proof that they billed my insurance prior to sending me to collections. My coinsurance would be {$75.00} ( real balance ) total and they are billing me an incorrect charge for over {$10000.00} plus {$1800.00}. I submitted all my documents showing my conversation with the billing office in which they stated they have my insurance and would bill them.
We got behind on our car note due to a illness of the money maker in the family. Our car notes are financed thru ally financial. They call 4-5 times a day while we are work. Have instructed them on multi occasions that I 'm aware that we are 21 days behind, to quit calling and I 'm attempting to catch them ASAP. They continue to call.
We have an existing loan with Avant Credit and they ( not we ) are making it increasingly difficult to pay the monthly installments and have n't even given us access to the final loan agreement/details/loan #, etc. We had to close a checking account ( from which they were taking payments ) due to credit card fraud. We have notified them about this over 7 times. They will not take that account off of their automatic billing AND will not let us put a new account in its place. We repeatedly have called and emailed them with these concerns, to no avail ( over 10 communications to them and counting ). Instead, when we ask to speak with a manager, the costumer service rep HANGS UP ON US. They, clearly, are trying to throw up roadblocks to us paying our loan AND accessing info related to our loan. They create many reasons why they will not take most forms of payment. They are outrageous with regard to how many problems they create to prevent you from paying your monthly installment. Clearly, they are trying to get consumers to default, so they can jab you with excessive late ( and other ) fees. Worst lender experience I have ever had. What can we do???
I have NEVER experienced anything this unpleasant in my life. 
XXXX XXXX from Thunderbird Collection Services started calling me in XX/XX/XXXX. He left one message on my home phone stating he had a business matter to discuss with me. I did not know who he was so did not call him back. He had also been calling my cell but did not leave a message as to who he was or why he was calling. 
He began to call XXXX of my sons repeatedly telling them he needed to talk to me about a business matter. He then called my work and left the same message. When I called him he was immediately condescending and rude. He asked if my sons had talked to me and used their names. He told me his calls were in regards to a 2012 medical bill, that I must have had an operation and that I had n't paid. He referred to the medical business as his client and said that it was going to be taken to judgement. I said I would look into it, call my insurance company and the medical office to see what had happened. I asked him not to call my work ( I am a teacher and it is not the front office staff 's job to take my messages when I have a cell and home phone ) or my sons ' phones while I was working on this. He continued to call my work EVERYDAY. He repeatedly called my cell phone and my sons phones. It was difficult for me to contact the business as it was XXXX weekend. I finally got in contact with the office manager at the medical office, found out it was from XXXX one of my son 's had had. I paid them directly. XXXX XXXX then called my husband and started berating him because I kept saying I 'd pay and I had n't. My husband would not let him speak because he was so rude. When my husband told me XXXX XXXX had called him I called XXXX XXXX to let him know I had paid. He was angry that I had paid the office and demanded a confirmation number. He said he would keep calling and attempting to collect until I provided it. I got the number, called Thunderbird Collection Specialists and left a message for him, stating that I would NOT talk to him again. 
As I stated I have never been treated so rudely. This was abusive and completely unprofessional. I can not express in writing how this man made me feel. It was an awful experience for an old {$200.00} bill that I did n't even know I had.
I received a phone message today from some identifying himself as XXXX with Cooling and Winter law firm. He said to call him back and that it was a debt collection call. As I do n't have any debt in collections, I XXXX the firm name to see if this was a phone scam. The search showed a CFPB enforcement action against this law firm 's partners for deceptive collection practices. I pulled my credit report after the call to make sure there was nothing showing. I have a clean report and am current on all debt. I am unsure what to do as I do not want to return this call as I have no debt in arrears. However, given the tactics attributed to this firm I do not want false allegations of unpaid debt made against me and jeopardize a pristine credit history. Would appreciate any guidance on how to proceed. 
Thank you for your time and attention.
I have many inquiries on my XXXX account listed for the year 2015. I have not applied for any credits because of the debt on my credit files. Applying for credits with a debt will lower my credit score. I believe a third party is using my personal information for business.
I had re-occurring payments scheduled to be taken out from my account every XXXX of the month. Payments have been continuing to be withdrawn from my account, last payment amount was {$260.00} on XX/XX/XXXX. I received a notification on my credit that I am 60+ days delinquent and now I am unable to do anything with my credit. It appears that my application had never gone through for the renewal of the interest rate reduction plan I was on and the same re-occurring payments from my previous plan were being withdrawn from my account which were no longer covering my minimum balance. I never received a call, letter or email stating this up until yesterday XX/XX/XXXX saying that my account needed attention. It turns out that the rest of the balance for each month had been spilling over to the next month since XX/XX/XXXX! I am outraged and now have no idea what to do. My co-signer is unable to obtain financing on a car now and has no car to drive. I have always been diligent with my payments and anytime I had a rough month I would call to make sure the payments were taken out in time before they would report anything negative. Normally I would receive a call from Navient if something was wrong and when I called today, the rep even admitted fault that they never made one phone call since XX/XX/XXXX. Navient has promised to have this resolved by XX/XX/XXXX, but every time I call they say it is still being worked on. Meanwhile, the payments are still being taken out and not covering the minimum payment because they have not fixed it.
I am a victim of identity theft. I have been trying to contact Conns for a very long time now. Their representatives were being very rude and threatening and refused to help me. I tried to contact them to send them my FTC Identity Theft Affidavit, my police report information, as well as documentation proofing I have been living in Michigan for the last 10 years and not at the address in Louisiana where the account was opened. They denied me the opportunity and kept giving me the runaround. I don't understand why Conns is refusing to acknowledge my Identity theft problem and trying to sue me and collect on a debt that is not mine. I am submitting this complaint due to the lack of response, communication, and investigation into my original dispute for a debt that does belong to me. This unfair practices by a debt collection company with no concern for the integrity of a customer.
My students loans are with XXXX. 
I attendedXXXX XXXX University. 
This company is not friendly, and I pay monthly butmy loans continue to go updue to the interest rate. 
They do not have anysolutions to help meand my situation.
In XX/XX/2017 I had around {$100000.00} in my BBVA Compass bank account, I found out my step dad stole my money and was commiting identity theft in my name, I reported it to XXXX   after I found $ XXXX in lines of credit and credit cards in my name, this money was my inheritance and it was stolen from me, along with my identity.
My office represented the borrower in a foreclosure case in XXXX XXXX Court. The borrower changed attorneys and we no longer represent her. However, my office still receives mortgage statements for the borrower. The statements lists the borrower 's name but my office 's mailing address.