WillisBack/dataset-financial-user-claim huggingface dataset:
My property was foreclosed and filed onXX/XX/XXXX by XXXX XXXX XXXX XXXX  c/o Ocwen Loan Servicing, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. The filing was in the state of Wisconsin , county of XXXX XXXX XXXX. The property was sold on auction on XX/XX/XXXX. Ocwen sent me a tax form XXXX for Debt cancellation of {$7100.00} in which I paid taxes on for XX/XX/XXXX filings based on fair market value of {$56000.00}. I recently observed my credit report for XXXX and noticed Ocwen was listed as open and a debt of {$5400.00} with last payment reported XX/XX/XXXX. I filed a dispute and was given the report that Ocwen stated it was legitimate and then they reported I had two late payments for XX/XX/XXXX betweenXX/XX/XXXX, which dropped my credit score 14 points. They also reported me 120 days late. My XXXX report states the same account and same amount, {$5400.00} with Ocwen as Closed and Charged off as bad debt, Profit and Loss write-off.
HFC, Member HSBC Group, XXXX. XXXX XXXX, XXXX, XXXX XXXX:1. Refinanced my original mortgage, {$140000.00} XX/XX/XXXX and consolidated XXXX mortgage for {$60000.00} into new principal balance of {$210000.00}. Reported the {$68000.00} XXXX mortgage as Charged Off and sold it to XXXX XXXX XXXX XXXX, Attn : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX has me in Collections and the inaccurate information is being reported as Negative and effecting my XXXX Score in a very negative manner. 

2. My original mortgage did not have the provision to pay Real Estate Taxes but HFC paid {$10000.00} to a parcel in the City of XXXX and charged me with an additional {$10000.00} thus increasing my principal balance to {$220000.00}. I have been disputing this fact since XX/XX/XXXX and have not received resolution. 

3. HFC did not report to any Credit Bureaus from XX/XX/XXXX to current and there are ( XXXX ) XXXX days past due on my Credit Report. 

4. I refinanced with HFC in XX/XX/XXXX, paid on time, and HFC did not report new mortgage and reports as XXXX+ days past due.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH Both made unauthorized inquires on my credit report.
Synchrony automatically enrolled my XXXX credit card in their optional Card Security program without my consent when the account was opened in 2015. This led to a monthly charge of 1.66 % per 100 dollars of my balance per month. In total, this led to well over 1,000 in " fees '' during the time this service was active. I was never informed of this optional feature and never consented to it.
WE HAVE RECEIVED HUNDREDS OF PHONE MESSAGES ABOUT A DEBT FROM NATIONAL ENTERPRISE XXXX XXXX XXXX XXXX XXXX. 

WHENEVER WE CALL BACK THERE IS NO ONE AT THIS NUMBER TO TAKE CALLS OR LEAVE MESSAGE. 

WE HAVE NO DEBTS THAT ARE NOT PAID TIMELY. WE HAVE FICO SCORES IN THE MID 800 'S AND WE ARE SICK SICK SICK OF THIS ONGOIING NEVERENDING HARRASMENT CALL AFTER CALL AFTER CALL TO XXXX XXXX XXXX
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed in the attachments. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed in attachments. 

I contacted the US Bankruptcy Courts of XXXX Maryland and they stated that they do not send or communicate with any of the 3 CRA 's ever. XXXX So, you did not verify that account when you said you did. 

Despite my first written requests, the unverified items attached still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Portfolio Recovery Associates has reported an alleged debt with XXXX bank, with whom I have never done business, on all three credit bureaus. They never communicated with me ahead of reported the alleged debt, nor have they provided a means to contact them, never gave me an opportunity to dispute this debt prior to placing it on my credit reports, or otherwise. Further, when I disputed this with the credit bureaus, they fraudulently confirmed this debt to the credit bureaus, despite this not being my debt. ( As I said, I have NEVER done business with XXXX in the past ). There are multiple violations of the FDCA, to my understanding, and I must insist they remove these fraudulent reports from my credit report immediately. I refuse to contact them directly, because in my research, Portfolio Recovery Associates has repeatedly asked the alleged owners of debt to " verify '' information such as name and address, which PRA does not have, in order to say, " well, our information matches, this is your debt ''. Thus, I summarily refuse to interact with the perpetrators of institutional fraud! 

I had suffered identity theft several years ago ( to wit, I still have a fraud alert on my credit bureau reports ), and I can only guess that this is Portfolio Recovery Associates trying to extort money from me as a result of that identity theft.
I contacted XXXX XXXX in XXXX and XXXX regarding fraudulent activity on my checking account. XXXX XXXX closed account in XXXX after having years of excellent payment history. In addition, I made an arrangement to pay account after not receiving any correspondence regarding who was handling my account. So, I contacted them their internal collection department and established a weekly payment plan of {$100.00} beginning XX/XX/XXXX via phone. In XX/XX/XXXX, I received a call from an outside collection agency handling my XXXX  account stating that my account has been turned over to XXXX XXXX along with confirming this information was correct with XXXX XXXX. My concern at this time is XXXX XXXX transferring the account to collections and closing my card after me letting them know what's going on with fraudulent activity on my checking account. In addition, XXXX XXXX continue to charge my checking account with {$100.00} a week and every representative is denying that the payment exists and refuse to cancel my payment or remove XXXX XXXX off my account as a card holder.
On XX/XX/XXXX I was past due on my XXXX XXXX XXXX student loans. I applied for a forbearance and was granted the forbearance which in turn brought my account current. My new due date was XX/XX/XXXX. I also applied for an Income Based Repayment Plan. I waited for my credit report to reflect my status and it did not. I 'm in the process of opening a business and have been trying to improve credit ratings to qualify for a start up loan. When my report did n't update, I began disputing the information. I have disputed the status of my account at least 4 different times and it keeps reporting as 120-149 days past due. In XXXX, I was also approved for the Income Based  Repayment plan with a payment of {$0.00} based on my household size and financial burden. So my next payment was due XX/XX/XXXX. My accounts are still reporting as past due. On XX/XX/XXXX, I faxed copies of my XXXX, and XXXX statements showing my due dates, {$0.00} past due, and {$0.00} balance. I was told by XXXX XXXX at transunion she could not use the info. I called XXXX XXXX to see what they were reporting they are claiming that they have been reporting my current status as of XX/XX/XXXX. XXXX and XXXX from XXXX requested a letter to be sent to me showing my current status. So I called the credit agencies Transunion, and XXXX again and they said it is XXXX updating a past due status because they corrected it on XX/XX/XXXX and on XX/XX/XXXX XXXX reported it late again.
A student loan from Wells Fargo was taken out by my daughter who e-signed for {$15000.00} for XXXX XXXX on XX/XX/XXXX. She used me as a cosigner without my consent and again e-signed for the loan. I was at work at the time at a XXXX  XXXX XXXX and was unable to use a computer to e-sign for the loan I did not give my daughter permission to use me as a cosigner. She has since defaulted on her school loan which has left me financially responsible for it. I have contacted wells Fargo about this incident. I even hired a lawyer to try and resolve this issue They keep sending me fraud packets of which I have sent them the documents that I feel are relevant to this case.. They wanted hand writing samples which I said were not pertinent to my case because nothing was signed. It was all done on the computer. 
I spoke to XXXX XXXX XX/XX/XXXX about the fraud complaint and they are giving me the run around. I only have a few more days and if I don't give the hand writing samples they are closing the case and I will be responsible for paying the full amount of the loan. The person I spoke to didn't seem to have a clue to what I was talking about. And said he would get back to me within 10 days which would be well past the 14 day time limit that they gave me in writing.
I requested credit limit increase on XX/XX/XXXX for my existing XXXX XXXX Credit Card. 

On XXXX website there was a disclaimer, " It's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision. '' I am including the screen print of their website for the reference. 

On XX/XX/XXXX, I received an alert from Equifax that, XXXX ran a credit inquiry on my credit report. I never authorize XXXX to run any credit inquiry, but it is reported on my credit report. Attaching that screen shot of Equifax page for reference. 

I dispute this inquiry with Equifax to remove unauthorized credit inquiry ( Dispute confirmation number : XXXX ) and they said, they can not do anything and asked me to contact XXXX directly. 

I contacted XXXX on XX/XX/XXXX and spoke with XXXX in customer service, She gave a reference number as XXXX. She said, she can escalate, but she wanted me to write a letter again to the bank. 

This is totally an unauthorized inquiry. Why should a common man like me need to chase behind the bank, when bank has done something illegal? 

There may be more people undergoing the similar issue without even knowing companies like XXXX run credit inquiry on their report without they authorizing. Common people suffer to fix their credit score for buying a house or getting a loan for their life. And here we are Victims due to business take advantage of common man. 

As per Fair Credit Reporting Act, When a creditor runs a credit check on an applicant without receiving authorization, they violated the Fair Credit Reporting Act. Congress enacted the FCRA in the XX/XX/XXXX to protect consumers from discrimination based on information in their credit profile. Each violation of the FCRA carries a penalty. 

I think these kind of misuse should be penalized and I would request CFPB to protect public.
I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
XXXX XXXX IN THE AMOUNT OF {$1600.00} XXXX XXXX XXXX IN THE AMOUNT OF {$1300.00} XXXX   XXXX  IN THE AMOUNT OF {$410.00} XXXX   XXXX IN THE AMOUNT OF {$830.00} XXXX XXXX IN THE AMOUNT OF {$270.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.
Since Equifax was recently compromised on the XXXX XXXX XXXX, 2017, I verified via their online tool that I am affected by the security breach that was published on the XXXX XXXX XXXX 2017. 
I 'm filing this complaint against them since ... my most important information was compromised by their lack of security. 
I 've placed a 90 day fraud alert with them, and will likely have to freeze my credit long term as a result. 
They, above all others, should not have allowed this to happen.
I have attempted three times by certified mail to attempt to gain validation of this debt starting XXXX/XXXX/2016. I have yet to receive a response from this company as of XXXX/XXXX/16. I have verified receipt of all correspondence was received. While waiting for a response and doing research on the company I developed the fact that this company is not bonded as should not be conducting business with the XXXX bureaus and doing business in the state of Texas. I notified XXXX of this discovery by certified mail as well and I was told to reach back out to the company and all they could do is report what the company has given them. XXXX did not perform a thorough investigation as I requested in my letter. I advised XXXX that they are reporting inaccurate information that could not be validated. To no avail, the inaccurate information rests on my credit report with no validity.
We received collection notice from Synter Resource Group, LLC ( SRG ) advising balance due of {$2100.00}. We called the freight company ( original creditor ) XXXX XXXX XXXX, spoke with their accounting department and confirmed no outstanding debt is owed and our account is in good standing. XXXX XXXX XXXX further advised they do not have any business relationship with Synter Resource Group , LLC . 

We've attempted to contact SRG several times leaving voice mails for XXXX XXXX and XXXX XXXX to call us back to discuss matter unsuccessfully. Regardless of the time of day, no one picks up telephone numbers listed in notice.
On XXXX XXXX, 2015 I applied for a Goodyear Credit Card at a Goodyear service center and purchased tires. I began to fill out the paper app and was told to just wait and the sales rep would do it on the computer instead. I watched him and checked over the printed information after he was done. I have my multiple copies of my invoice which show my correct bill to street address which is what he used for my credit card application. 

I did not receive anything in the mail, and assumed it would be a few days extra due to the holidays and new year. 

On the morning of XXXX XXXX I called the contact number I found online because I had not received a card or any information yet. I was told that the address they had was incorrect ( missing apartment number ) and the original card was not returned to them and they would promptly send out a new card with a new number. At that time I made a {$200.00} payment over the phone because the payment was due on XXXX XXXX. 

Last week ( I believe the XXXX ) I got a phone call saying that i needed to make a payment on the Goodyear card. I told the female representative that I called on the XXXX and made a payment, and the representative said " oh I see that now, sorry for the inconvenience '' and hung up. 

I got a call this morning ( XXXX XXXX ) from another rep saying that I still had not made a payment. This time she informed me that the first payment was in the computer but they must have put in the wrong information and it was not processed. I made ANOTHER attempt at an over the phone payment this morning of {$200.00}. 

I FINALLY received my credit card the afternoon of XXXX XXXX. I was able to then access my online account and saw that I was penalized with a late fee of {$27.00}. I utilized the chat feature of the website and connected with a representative named " XXXX '' at XXXX ET. After speaking to him and him telling me that it was a late fee because they did not receive payment and that there are two " attempts '' at a payment on the account, I advised him of what happened and asked when the late charge would be removed and and he stopped responding. After 25 minutes of inactivity I closed the chat window.
I disputed PORTFOLIO RECOVERY ACC # XXXX last XX/XX/2018 through the credit bureaus and by sending Portfolio Recovery a validation request. More than 30 days have past and still, nothing happened. Did not receive any proper validation documents from Portfilio recovery. Moreover, upon checking my credit report, I found evidence of this companies violations which I elaborately explained on a separate document attached to this compalint. Violation such as missing/inaccurate informatio, misleading/incorrect creditor type etch. All of which violated both FCRA and FDCPA. This is the last I am giving you. I will not hesitate to bring to to court if nothing still happens.
Good day, I am writing this complaint due to the way I was treated by merchant Synchrony Bank as a longtime customer I expected better. Their sarcastic and condescending behavior is not appreciated. I also work in the   XXXX   XXXX   and this is not acceptable by any means. I contacted this merchant on  XXXX  to resolve a matter on which I was not aware until now ; I was lied to by the original merchant (   XXXX   ) about the promotional period. When I noticed that I was going to be charged an additional {$680.00} in deferred interest as of  XXXX / XXXX /  XXXX   I immediately contacted Synchrony Bank to resolve the matter. This merchant was less than helpful their representatives are less than knowledgeable and very frustrating ; all they do is repeat the same thing over and over. I tried escalating call however was left on hold for 30 minutes, I also tried calling this merchant back on  XXXX  to again try to resolve the matter and again they were not helpful. I have  XXXX  other accounts with this merchant all my accounts are in good standings and have never had this or any issues.     As a consumer I have to be given a fair chance to pay a debt off. How can this happen, you are telling me that my bill of {$860.00} will increase to {$1400.00} as of  XXXX / XXXX /  XXXX   and will take me another 3 years to pay this debt off. This is due to no fault of my own I was lied to by the original vendor (  XXXX  ) I should not be the  one  to suffer. I would not have purchased the product if I know this is what the terms were going to be. Synchrony Bank said pay the remaining balance in full by  XXXX / XXXX /  XXXX   to avoid the additional interest. I have reached out to Synchrony Bank on   two   occasions  XXXX / XXXX /  XXXX   &amp;  XXXX / XXXX /  XXXX   with no resolve.     Regards
When i had my credit pulled XX/XX/XXXX, I discovered that Caliber had reported several late payments. When I confronted them, I was told that although I processed the payments in the month they were due, the payment was not posted until the following month, causing the 30 day late. 
I told the supervisor that at on a call in early XX/XX/XXXXthe representative told me that as long as i processed the payment within the month it was due, it would not be reported late. I spoke with a different agent in XX/XX/XXXX and was told the same information.

Now i have 7 instances of a 30 day late payment on my credit and i am unable to secure a mortgage on a new home.
Good morning, I have a problem with CHASE Bank. My husband and I have an account in this bank when we lived in NYork city. My husband died 4 years ago and I live now in XXXX ( XXXX ), I am XXXX. Since two years ago Im trying to get the money or cancel this account, because they didnt send me any credit card or code to operate by internet. I sended all the documents they asked me ( death certificate, the acceptance of inheritage, ... ) everything translate in english and certificate by the XXXX and notary. After two years sending me from one department to another for two years, and phoning them many times, because they dont want anything by e-mail, a month ago they said that they have lost all the original documents I already sended and they need everything again but now certificate by the XXXX notary in XXXX ( wich is not necessary according to the XXXX notary, the XXXX it shoud be enought ). They said that they will send me a letter with a list of the documents they need now but we didnt receive anything. I am phoning everyday but is impossible to talk to the person in charge of my case, I leave messages and thet dont answer. I m desperate because Im old and I need my money. I have the impression that they dont have any intention to give me a solution.Thank you very much.
We have a mortgage through PennyMac. My husband has not worked for 5 years now and he is not really able to work now because of health issues. He called PennyMac and asked them about removing the PMI from our loan to lower the payment. In the conversation, the person he was speaking to told him that he would be better off if he missed a payment, that way he would qualify for some of the new programs that help people who are behind in the payments. So we talked about it and decided to do that and then we used the money to pay some utility bills that were in arrears. Then they told us that we did n't qualify for any of the new programs and started being very aggressive about collecting the payment that we missed. Now, each month, they show that we are 30 days late on our payment. That 's 4 months that we have on my husband 's credit that shows we are 30 days late on the mortgage which makes it so that we ca n't do a VA loan to get the PMI off our payment. This month they sent us a letter saying they were going to foreclose because of the missed payment. My husband told them he only missed it because they told him to miss it but they said " No, we would never have told you that. '' We do not have the money to make up the late payment, but there should be someway they could put that payment on the end of our mortgage and remove the 30 days late notices they 've been putting on our credit so that maybe we could refinance and pay some of our bills and still have a mortgage payment we can afford.
After the Equifax data breach, I wanted to place a security freeze on my wife and my Equifax credit reports. I could not place these freezes online as the Equifax web site credit freeze app was non responsive. So I downloaded and printed out the credit freeze forms that Equifax provides for this process and I completed these on behalf of my wife and myself and submitted them via certified mail as Equifax requires. 

Subsequently, we received no response from Equifax with the usual PINs needed for the temporary future lifting of a credit freeze should that become necessary. I had successfully placed freezes on our XXXX, XXXX, XXXX and XXXX  XXXX receiving the required acknowledgements from all the latter. Only Equifax continued its sub-par performance by failing to confirm our freezes were in effect. Furthermore Equifax provides no obvious telephone contact number for consumers who may need to contact them. This kind of poor communication is unacceptable.
In early XXXX I signed up for a credit card promo where if I spent XXXX dollars on a credit card I would receive XXXX bonus points. I met those qualifications about 5 months ago and after numerous communications with American Express I have still not received my points.
Constantly getting calls from Quality Asset Recovery. XXXX.

I do have debts, but none are in collections, and have a credit score above XXXX. All of my bills/debts get paid on time.

No matter what I do or say, they continue to call and harass. I just want it to stop.