WillisBack/dataset-financial-user-claim huggingface dataset:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by JP MORGAN CHASE BANK on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
A third or fourth party called Convergent has contacted me on a debt I do n't owe. In fact the company they say they represent has been bankrupt for a number of years now, I have to assume they got my information from that company which I did do business with about a decade ago. It was a bank. I had an account with them until they went out of business but it ended with no debt. I merely had a checking account with them until it closed. I suspect this is a very shady company and I am concerned my info is being sold on the open market illegally.
EQUIFAX is blatantly breaking the FCRA laws ... they refuse to investigate these fraudulent accounts properly, they previously responded to a previous complaint to the CFPB that these items were deleted from my credit file, yet when I pulled my latest report these items are still reporting ... ..every agent at the company lies, they told me point blank that they don't have to follow the same guidelines as the other 2 bureaus, my credit reports were with XXXX  and XXXX are reading as they should, my scores with those 2 bureaus are XXXX and XXXX respectfully, but EQUIFAX is reporting these fraudulent accounts that they responded were deleted and my score is a miserable XXXX, they are ruining my financial life and I am planning on suing for every penny that I can get from them ... ..they are the WORST!!!!! and I am attaching their previous response which is nothing but LIES!!! I am not going AWAY!! I will pursue this til the END!!!
I had a doctor bill from my XXXX XXXX  child. The XXXX we see also did the XXXX  at the hospital. There were bills that looked the same and we did not get one of them paid. It went to collections. After sorting out with the XXXX   company I paid the debt in collection. The collection company does not recognize it as a mistake and is holding my account on my credit. This is harming me for getting a mortgage. They are very rude and non forgiving. It was a honest misunderstanding by both parties.
Recently TD Bank change the way they process transactions. I am a customers that lives check by check. My work checks are direct deposit on fridays each week. I pay my car every other week and now I have incurred in more than XXXX overdraft fees of XXXX. They said this change was because customers wanted it like that. What customers rich customers? I ca n't not afford this and certainly I ca n't not afford loosing {$35.00} dollars just like that. The only reason why have n't close my account is because I have to many payments linked to my account. I feel this NEW thinks is not only afftecting me is affecting people like me and we are getting excesive overdrafts fees. We are being robbed XXXX for the little money we make.
Navient is an awful, deceiving, rip-off, worst customer service company. 
they have me paying 12 % interest and will not refinance.
In addition, I have submitted 4 applications to remove co-signer and refuse to process application, being returned to me saying something or other is missing. Their customer service is incompetent and not able to resolve my request
On Saturday, XXXX XXXX, 2016, I received a call at my business saying that it was the gas company XXXX XXXX XXXX XXXX. They said that I had an overdue balance of {$490.00} and that I had to pay it immediately or my gas service would be disconnected, and my business depends 100 % on gas. They told me to purchase a prepaid card with the amount due on it ( {$490.00} ), and that when I got it they would give me instructions on how to give them the card information in order to avoid having my gas service disconnected. And I did so. I purchased a card called Reloadit with the amount off {$490.00} on it from the XXXX located at XXXX XXXX XXXX. But a few hours later I realized that the gas companys ( XXXX XXXX ) offices arent open on Saturdays, and that I had been a victim of fraud. 
I called Reloadit to see if I could cancel the payment process to the person who defrauded me, and it appeared that I had called in time to cancel the payment. 
The Reloadit representatives gave me a case confirmation number : XXXX. 
Three days later, a woman named XXXX called me from XXXX to give me a new incident number : XXXX. 
Since they hadnt called me back on XXXX XXXX, I called them again, and the representative XXXX gave me another case number ( XXXX ) and told me to send them the proof of purchase for the Reloadit card, plus a copy of the card with the numbers on the back of the card. She told me to send it by fax to XXXX, and I did so. 
They told me that it would take approximately one month to have my money returned. 
On XXXX XXXX I spoke with a man named XXXX, who gave me another case number ( XXXX ). And so it went : month after month I was assisted by different representatives who gave me different case numbers, telling me they were reopening the case, but they never gave me a solution or sent me the money. Ive already spoken with the manager and he hasnt given me the solution for getting back my money either. 

A few months ago I told them that if they didnt send the money, I was going to report them, either to the Better Business Bureau or the CFPB. 
Apparently they dont care. Ive given them several more months, and I still havent received anything. Please help me. 
Thank you.
Opened the platinum checking account on XX/XX/XXXX in branch. The banker assured me that once the requirement completed. I will receive the {$400.00} bonus. Received a direct deposit of $ 1,000+ within 60 days of account opening. Already contacted the customer service. The {$400.00} bonus has not been posted yet. I do received an offer code XXXX.
I WENT TO XXXX TO SEE IF I QUALIFIED FOR ITEMS I DID AT PIONEER FINANCING AT THE TIME NEVER PICKED UP OR RECEIVED ITEMS THEY HAVE BEEN CALLING SENDING LETTERS I HAVE TALK TO THEM THEY WILL NOT TAKE THIS OFF OF MY REPORT .I DO NOT HAVE AN ACCOUNT WITH EITHER COMPANY.
We have a contract to sell the house in a short sale. The lender says they have 30 days to review the information and make a decision. They took more than 30 days to respond, though we had called in 2-3 times a week asking for updates. Each time, we were told we 'd hear something in " 3-5 business days '' but it took them several weeks to actually make a determination. Yesterday, we were told that we needed to counter the contract price of the property ( {$300000.00} ) to {$280000.00}. They then clarified that the net to the investor needed to be {$280000.00}. We asked what fees on the HUD the investor would not pay for, and were told that we were not allowed to know that information. We asked what the appraisal report stated the FMV of the property was, and the servicer told us that they " were not privvy to that information. '' When we asked how we were supposed to come to agreed upon terms without either of those pieces of information, it was suggested we eliminate substantially all fees on the HUD except the lender 's payout, which is impossible. We ca n't counter the buyer without knowing what the lender believes the FMV of the property to be, and we do n't know what fees on the HUD the lender wo n't pay for - so we 'll never be able to come to terms unless they tell us. With the foreclosure sale date in two weeks, we believe this is a showing of negotiation in bad faith : that they are trying to use the pending foreclosure to fleece the parties to the contract of their fees, and to make the buyer pay an artificially inflated price for the property. It is also important to note that the lender admitted that they never performed an interior appraisal - they just had a drive-by BPO and set the value using a third party webservice, such as XXXX, which have been proven to be inaccurate.
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2017 The above inquiry is fraudulent please investigate and remove.
I have disputed this several times which this account is unknown to me and have requested validation. I have heard nothing back. Please help
Today is XX/XX/XXXX. It was reported that Equifax was hacked back in XXXX and lost close to 145 million people 's personal information, and they did not disclose this information until just recently on  XX/XX/XXXX. Equifax executive 's actions leading up to disclosing the hack of user information was criminal and dishonest - they dumped their company stock to reap financial gain on behalf of this terrible news. This is a perfect example of insider trading. I 've reached out to the company via phone but have not made any meaningful contact to determine if I was actually impacted by this hack. I 'm thoroughly outraged at Equifax actions and am worried about my personal information being stolen or provided to the public. I respectfully request serious action to be taken and that Equifax employees who acted immorally or against the law to be personally held liable for their actions. I am highly suspect of fraudulent behavior from Equifax.
HEALTHCARE COLLECTIONS L XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Has XXXX collections against me for services provided by XXXX XXXX. 
1-XX/XX/XXXX for {$120.00} 2-XX/XX/XXXX for {$3700.00} Both charges were not to bill me but directly bill XXXX XXXX My insurance was in place from XXXX to XXXX XXXX XXXX. 
The hospital failed to file in a timely manner and are now sending to collections.
I have default judgment against me that was filed by the law firm of Hanna and Associates. I never received any documents to verify/deny the debt was owed. The debt they are claiming has over {$3000.00} in interest.
Synchrony Credit for XXXX XXXX credit card is an absolute disgrace and beneath standards of basic business. They ripped me off on promised rewards. They don't provide accurate itemized statements. Only summaries. They email my certificates with their hundreds of ads emails per month subjecting it to the risk of being stolen and won't stop it or give me the ability to stop it. I tried to call them and have limited phone minutes. It takes 10 minutes to get a person through their horrible recorded phone system. I entered my private info and then the person who comes on has no idea of what I entered and plays dumb. I wait even more they have no idea about the program or what I am due. I was put on hold and waited another 20 minutes and got nothing out of it. Then I called the next day went through endless loop of recordings and talking to the recording and waiting and waiting. Then I ask and some so called manager comes on after I demanded her and she is even dumber than the rep. She asked me for 3 private info. I gave it to her and she kept asking even more and more to 5 and still didn't help me. I am giving all my private info. over an insecure phone subjecting me to even more risk. There website says it has chat which is a lie because it is only a search bar for help yourself. These companies are getting away with horrible crime by issuing accounts and not providing basic reasonable and useful service for customers! They promise promotions and do not deliver or fulfill them! I returned an item to XXXX XXXX and they were suppose to give me back the amount of the rewards I paid with. They shorted me.
On XX/XX/XXXX, I went to XXXX XXXX XXXX Emergency Room in XXXX MD. I was treated there and I had health insurance. I was covered under XXXX for You. 
On XX/XX/XXXX I received a bill for {$810.00} from Transworld Systems stating that they now owned the debt I had with XXXX XXXX XXXX. 

I reached out to the hospital, the debt collector, and my insurance company and it appears nobody will help me out. 

The hospital is now saying they have nothing to do with it, the debt collector is saying that they can not submit anything to the insurance company, and the insurance company is saying they wouldn't approve it even if it was submitted ( because it's over a year old ). 

This is not a debt I should owe. I was covered for this service on this date. It was and is the fault of the hospital for not sending this to the insurance company. They are claiming that they sent me letters asking for insurance, but the address they claim to have used is not my address - and hasn't been for over 3 years. 

So, basically, the debt collector wants me to send them {$810.00} for something I should have never owed a XXXX for - and because they sent me this correspondence over a year past the date of service, my hands are completely tied. This is negatively affecting my credit score, which is what I am trying to clear up.
This company has reaged a debt that was from XXXX as XXXX it is being reported inaccurately also they never sent me notice of this debt and put it on my credit files. I want it removed from all XXXX beaures
I recently received a letter from Financial Recovery Services , Inc., XXXX. XXXX XXXX XXXX, MN XXXX XXXX The letter is claiming that they are collecting a debt for a company I never had debts with. They are claiming I owe {$4700.00}, and the original credit is XXXX. I've never heard of that bank in my life. They say in the letter if I even attempt to dispute the debt they will obtain a judgement against me. This is my first time hearing from Financial Recovery, and first time hearing of " my original creditor '' XXXX. I feat to communicate with this company effectively because they immedaitely threaten with a judgement prior to communicating. The letter is worded in a way that says I can file a dispute but the office of Financial Recovery Services will immediately file a judgement against me which is frighting. I am unsure that this debt it mine as I have never had any credit with whomever XXXX is. Thanks
I 've filed a dispute with Consumer Portfolio Services regarding an account on my credit reports. I sent XXXX separate letters certified, however they claim that they never received my certified copies. I requested to proof bearing my signature that I owe this debt. I did not hear from Consumer Portfolio Services regarding my concerns. Based on the FCRA they are required to respond to each dispute requesting documents within XXXX days. I did not receive a response from the creditor, until approximately XXXX days later. 

I contacted Consumer Portfolio services in XX/XX/XXXX requesting signed documents and wanted to know why have I not received a copy of the contract. They then followed up with an email providing documentation. Upon reviewing the documents I noticed that the signature that they have on file is not my signature. 

I have been previously subjected to identity theft. I had a car dealer forge my signature, I took them to court and won that case.I have attached the court documents but due to non-disclosure, I removed the amount awarded and name of the dealership, but will say that the Dealer 's name on the contract submitted by Consumer Portfolio is an affiliate. The documents that Consumer submitted to me, looks identical to the signature that was previously forged by a car dealership. I have attached attached a copy of what my signature looks like as well as what Consumer submitted to be my signature. 

This is my last and final attempt to resolve this issue with Consumer Portfolio services. 
This account is only showing on my Equifax and TransUnion file. I sent this dispute to XXXX and based on their findings they removed the account. 

I will be be suing Consumer Portfolio Services along with the Dealership listed on their contract for XXXX of Identity Fraud. 
I have also attached copies of my police report concerning identity theft and Identity theft affidavit.
I have an unverified account from HSBC BANK NEVADA. I had previously disputed this account. I have never done business with HSBC BANK NEVADA. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that HSBC BANK NEVADA provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that HSBC BANK NEVADA Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
The number listed along with many others repeatedly call all throughout the day. They never leave messages. I try blocking the numbers but they constantly change. Finally today XX/XX/2018 I called back and said you have the wrong number. I worked swing so I be asleep till about XXXX so having them call right at XXXX XXXX then XXXX and XXXX got annoying and it happened for weeks.
XX/XX/XXXX I received a letter titled " Notice of Default and Intent to Accelerate '' from Residential Credit Solutions , Inc . 

I disputed the alleged debt and demanded validation of it XXXX XXXX, 2015 and Residential Credit Solutions XXXX Inc. received it XX/XX/XXXX. I have since sent XXXX additional disputes and demands for validation in response to their communications attempting to collect a debt. 

To date, I have not received a single document from it establishing that I owe it or the entity it claims is the investor nor has it provided any documents confirming that the entity it claims is the original creditor made a loan to me. All of my attempts to communicate with the entity it claims is the original creditor since XX/XX/XXXX have been unsuccessful in establishing that a loan was made to me. 

Residential Credit Solutions XXXX Inc. is not a secured creditor of mine nor XXXX. Neither has the standing to seize my property, yet Residential Credit Solutions XXXX Inc. continues to threaten me with a non-judicial foreclosure. 

It continues to violate the FDCPA by continuing collection activity despite my demands for validation and its failure to provide that validation.
Please be advised that I see no other recourse but to file a complaint against XXXX. This creditor is famous for using a process called re-aging of debt. The card posted was first issued XX/XX/XXXX. I was late with payments at least three times between the card inception and the beginning date on credit reporting on all XXXX credit bureaus, which is XX/XX/XXXX. This debt can no longer be collected within legal guidelines for the state of New York. The account was late for a first time over seven years ago, and therefore the seven-year timeline has passed. Out of the XXXX credit bureaus posted in this complaint, Equifax states a XX/XX/XXXX deletion of the account, XXXX states an XX/XX/XXXX deletion date and XXXX states a XX/XX/XXXX deletion date. In essence, XXXX purposely cut off two years of my payment history to extend the timeline of maintaining the account on all credit bureaus. This practice of re-aging of credit trade lines has been approached by the Federal Trade Commission as an abusive collection practice, and also a violation of my rights under the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I demand a full accounting of this account to be reviewed by the Consumer Financial Protection Bureau, showing all payment history, when all payments were posted to the account on credit, and the credit reporting history since the card approval XX/XX/XXXX. I am well within my right on such a request. XX/XX/XXXX has no other recourse but to remove this account from all credit bureaus immediately and permanently.
This company appears to be incredibly corrupt. When I was in high school, my parents unknowingly used this company for the majority of my loans, probably believing they were connected to the state itself ( as indicated by the company 's title ). When I graduated and did not have a job within my career, they did not allow any income based repayment or deferment, so I was forced to pay $ XXXX monthly from about a month after I graduated ( this does n't include federal loans I also owed ). I graduated almost 7 years ago, and my payment has only moved down to {$490.00} after consistent monthly payments since then. Roughly, I have already paid them over {$40000.00} with no late payments, and my balance is still somehow greater than {$40000.00}. I feel completely entrenched by this company, and there is no end in sight because they are a private loan provider. Their website is horrific, their customer service nonexistent, and I ca n't find any information about the company 's " acting director '' except that he provided incentives for students to write 5 star reviews on XXXX XXXX. I just believe something needs to be done about these business practices, and the source of their income needs to be investigated.
Greentree Mortgage Servicing, I originally had my mortgage with G.M.A.C. Greentree took it over and it 's been a nightmare ever since. I get behind and they wo n't accept my payments. Yesterday I tried for several hours and got stonewalled, insulted, treated horribly, they even threatened to liquidate my home out from under me. I also get ripped off by their {$12.00} speedpay to pay over the phone. I attempted to pay {$1100.00} that would be XXXX Mortgage payments and they flatly refused to accept it. Their word was unacceptable. They wanted {$1500.00}. I received a letter from them that stated they would accept that if paid in 30 days. I told them this on the phone and she /they said to bad we want more. I struggled to get that paid within the time allotted. They said they were their to help me which I knew was XXXX. They wanted a loan modification. Being as I 'm not stupid and they would screw me either way I sent a {$1100.00} to their South Dakota address after being told by another XXXX of their lying reps to send it to a XXXX address. I said to him that 's not going to happen and hung up. I sent the check to a post office box with a return receipt requested. The young lady at the post office stated they put a notice in their ( greentrees ) P.O. box and they have to sign for it right there. It cost me {$19.00} to do that. It would have cost {$45.00} to Fed Ex the check overnight. They will now have it on the XXXX which technically is past my 30 days to pay per the letter I received. I tried repeatedly to pay what they requested over the phone on the XXXX and they said too bad. That 's the way it is. The female actually said to me the first one to hang up loses. I put the phone down and walked away. I came back shortly just to find her still on the line. What kind of company are these people. I now threaten them in return. I totally understand why people snap. I want to go to a Greentree Building and do just that. The sleep I 've lost. The stress they have caused me and they do n't care. I 've had enough. Help! XXXX XXXX