WillisBack/dataset-financial-user-claim huggingface dataset:
While viewing my credit reports I noticed a negative mark from the following company Portfolio Recovery who I have never done business with. 
For One I do not have a contract with this company, second this company has never provided me any funds, money, property etc which I would owe a debt to them. 
Portfolio Recovery has caused me great harm by reporting unverified, inaccurate information to the credit bureaus. Which is a violation of FDCPA 15 USC 1692g. 
This company has never provided any proof of debt or transaction between myself and the company but they are reporting to the credit bureaus negative information. I also never gave this company consent to my personal information to used to try to gain a profit, Which is also identity thief. 

This company has stolen my identity for profiting purposes and violated the FDCPA.
Here are the facts : I am filing this on behalf of my brother. I am his sister and he was seriously ill and near death last XX/XX/XXXX-XX/XX/XXXX. I traveled back to see him in XX/XX/XXXX as he was recovering. He is on XXXX and receives limited funds. In order to assist him with his finances, I made arrangements to be added as a " Payee ' '' on his checking account through Power of Attorney. He has an account with Citizens Bank. 

When I returned home, I logged into his account and I noticed extensive amounts of monies being drawn out of his account each month for various calls which appear to be fraudulent conference call charges from various companies ( including XXXX   charges ). He was not familiar with these charges and said he never incurred them. 

I contacted Citizens Bank about the fraudulent charges and have been calling their Customer Service and Claims Departments for the past 2-4 weeks. They advised me that these charges began in XX/XX/XXXX ( without my brother 's knowledge ), but he was never notified by the Bank of these charges. He informed me ( and the Bank ) that he was never aware of them. The people in the Claims Department have filed 4 different claims to date in order to reimburse him for these fraudulent charges. In addition, they have issued 3 different new Debit Cards to him since XX/XX/XXXX and the fraudulent phone charges have continued. The Bank advised me that the conference call charges began in XX/XX/XXXX but they will only reimburse him back to XX/XX/XXXX. I have had to contact them everyday to alert them of the new charges and file a new Claim everyday for the bogus charges. The Bank informed me that this is how I must handle all new charges that appear each day. When I requested that they put a STOP on these charges, they informed me that they had no way to do that.

I am at my wit 's end as to finding a reolution to this problem and have run out of ideas. Since my brother receives limited income, this is a serious problem for him. The Bank doesn't seem to be capable of assisting me or my brother to resolve or stop these fraudulent charges. One of the claims representatives seemed to think that the charges were generated from a dating website but so far, Citizen 's has not been able confirm or identify where the charges are coming from. I am seeking your assistance in this matter.
I Have and Account Overdrawn {$360.00} With XXXX XXXX For A Transaction From XX/XX/XXXX that i did not do and XXXX XXXX has not Remove the Charge and The Account Has A Negative Balance For A Transaction From XXXX XX/XX/XXXX XXXX..
This is an amendment to Complaint ID  XXXX , submitted on  XXXX - XXXX -2014. Please refer to the attachment submitted here because I want to know if it has any bearance on my problem with chase bank.
I have a complaint against XXXX XXXX, XXXX XXXX XXXX XXXX  my original loan was with XXXX  until they were indicted been sold off to XXXX XXXX XXXX who promised me a modification made me go into default and then while I was in XXXX they foreclosed on my property this unaccredited service or XXXX XXXX  based out of XXXX what is going on here. I am in litigation and I need assistance Does this agency really protect the consumer. I tried to modify my loan in XXXX What does property in XXXX and put a ton of money into it. They purposely did not want to modify my loan. To collect fees from the Fed. There is a case of XXXX County court the property is XXXX XXXX XXXX XXXX XXXX XXXX mass I have been obliterated by these banks please assist as I may have to go to the press for this entire event, this is ruining our socioeconomics in the country running our children and our economics with unfair play. Please assist XXXX XXXX XXXX. A law firm called XXXX XXXX XXXX XXXX  based out of XXXX illegally foreclosed on my property on XXXX XXXX put it on auction and illegally sold it off without proper notice and jurisdiction of the Commonwealth of Massachusetts. Supposedly the new owner never closed he came to my door and told me he bought my house online. I have no Trust passing signs on my property and yet he still knocked on my door looking in my windows I filed a complaint with the police department. I am suing the servicer the bank and the attorney that represented the bank or an accredited service are based out of XXXX Florida XXXX XXXX who I never heard of Ive been paying my mortgage since XXXX taxes insurance maintenance this is got to stop please assist
I was trying to get a loan forgiveness for my student loan which the school closed and the rep said I couldnt. He did n't even ask what I was talking about he just said he ca n't help. I went to XXXX and I was asking about that loan. And the guy kept saying there 's nothing he can do. This is really hurting my credit.
Hi. I filed a complaint against this company with Consumer Financial Protection Bureau back on XX/XX/XXXX and the case ID is XXXX and I said this : Commonwealth Financial Systems is violating FCRA by changing delinquency dates on collections posted on my credit report. Not only that, but they are NOT licensed to collect in the states of Florida. According to the XXXX   XXXX XXXX XXXX XXXX their license has been revoked/voided, on XX/XX/XXXX. All 3 credit bureaus report delinquency dates that are all different on most of the multiple collections on my report. XXXX says XX/XX/XXXX, XXXX XXXX says XX/XX/XXXX/XX/XX/XXXX, and XXXX  XX/XX/XXXX. There are also multiple duplicate collections for the same amount on them as well. recently they tried to add a another collection for {$830.00} with the delinquency date for XX/XX/XXXX, this is a re age of a account already posted for a delinquency year of XX/XX/XXXX. They added this to all 3 credit bureaus also, and I don't owe it, period. I contacted XXXX on XX/XX/XXXX and they removed 6 out of 7 collections over the phone from these fraudsters. They seen that these accounts were suspicious, and claimed that they had several complaints about this company. The only collection they could not remove was the {$830.00} they re aged, this is slated for removal on XX/XX/XXXX.

Today, XX/XX/XXXX I received a notice from XXXX  that I have 2 collections back on my report from this fraud of a collection agency, which was suppose to be taken care of already, and removed last year. If this is not removed from my report, I will file a lawsuit as soon as possible over the matter. I am not playing this game with these people. I will also turn them into the state of Florida for collecting on a revoked license in this state, and also them into the state attorney generals office as well. This better NOT show up on the other 2 credit reporting agencies also.
The following hard inquiries on my credit report were not authorized by me. I have contacted the companies and XXXX several times via telephone and/or by mail requesting proof of my signature based on the FCRA only to receive a canned response and no proof of my signature. 

XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX  XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
I noticed on my credit report that I check weekly a hard inquiry was on there from check into cash. This did not make sense to me since I am not new to them. I am a long time customer. And besides, payday loans advertise " no credit check. '' I called and asked why that was on there and the lady said they are now doing something new where every 60 days that do a credit check. I said " that 's going to be alot of hard inquires on my credit report! '' She stated this was new and that since it was considered a loan they could do this. '' My problem is that I was never notified of this " new '' change and that I did not give them permission. If I had n't checked my credit report I would have never known about this. Checking someone 's credit report every 60 days will indeed ruin their credit very quickly. I myself and planning on paying them off very soon and never reborrowing. I can not afford to have my credit ruined to the point where I have to depend on payday loans. I 'm thankful I am rebuilding my credit and am glad I found this out before I have an outrageous amount of hard inquiries on my credit report. They should have disclosed this to customers and they should have gotten my permission.
On XXXX XXXX, 2015 Collection Resources, INC. placed an account for the amount of {$410.00} on my credit report in violation of the Fair Credit Reporting Act. Collection Resources, INC. failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Collection Resources, INC. is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
In XXXX my credit card was a victim of fraud per Bank of America. They ordered me another card ending in XXXX but refused to tell me what merchant it was. Stated that they can't release that and merchant is allowed to operate with less than top security level on their point of sale equipment until hack occurs then they are forced to get top security. This means that anywhere I go could be saving money and using less than top security point of sale equipment and then bank can refuse to tell me who merchant was so I can go back, not knowing, and be a victim with another card. Next on XXXX XXXX XXXX, I had a transaction with XXXX  for a ride to and from a friend 's house that I paid for, including tip and it was collected by lift off Bank of America card and then 2 days later they temp authorized two other charges. I tried to dispute and Bank of America rep refused to open a case disputing this giving me excuses. This is my second complaint on them. The first complaint someone from Bank of America called me left 2 messages saying they needed info, I called back they never called again and made no effort to do anything.
I 've tried disputing a couple of fraudulent accounts on my credit report, and th e Bureau has taken some of it off but only the collection things. I 've sent letters to the collection   agencies and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include.  Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken  off my credit report bc it is not mine. Thank you I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened. Police said too much time passed. I did file though as requested by the credit bureaus. They still ignore us. I hope that this credit bureau gets fined or punished somehow.
In XX/XX/XXXX, I applied for credit and to my surprise I had a numerous amounts of accounts from XXXX company. I contacted them on XX/XX/XXXX in reference to these accounts that were on my credit file and communicated to them that I had no knowledge of these and no communication from XXXX  in reference to the accounts. The agent then stated that they had no information on my account such as current address nor current telephone number. The operator then stated that they made several attempts to send a letter but it was a bad address and it was returned. Under the Fair Debt Credit Act at that point any information or accounts that they reported to my credit file were to be removed due to no communication from me and bad address with returned mail but that was not done. After that I given the agent my current information and requested for a validation letter with original contract with my signature, every notation, dates of service, dates and balances. She then stated that I needed to submit that in writing and so I did. In response to my request I did not receive original contract with my signature. The only thing that I have received from XXXX was a statement with original creditor, date of service, and balances. I have attached all correspondence from XXXX and myself. This has been an tremendous burden for me because these accounts are affecting me in an negative manner and are not valid because there is no way that I could have visited this original creditor that many times during that time and I do think that these accounts are fraudulent and that's why I requested a validation and original contract with signature for these accounts. In which was not done.
Calls begin at XXXX and do not stop until around XXXX. They now call from an unknown number back to back to back & leave repeated voice mails after each call
This collection agency, who had failed to respond to my 2014 debt validation request ( which they acknowledged receipt of, copy attached ), and stopped contacting me for 1 year ... Then, 1 year later, still without responding, they " transferred my file '' debt to another collection agency ( from Diversified Consultants to Diversified XXXX ), WITHOUT notifying the predecessor collection agency, that they received and did not respond to, a validation request. This is obviously illegal ( and an EVEN MORE EGREGIOUS violation if " Diversified Consultants '' and " Diversified XXXX '' are related entities ). A debt collection agency can not " transfer '' a file to other agencies after failing to respond to a validation request ... and start contacting the consumer again, forcing the consumer to respond to MULTIPLE debt collection agencies about a SINGLE alleged debt that is invalid. Instead of responding to debt validation letters, this agency just " transfers '' the file to another company, and resumes collection activity to fully circumvent the federal law requiring that collection activity STOP UNTIL the requested validation information is provided.
Company says they are Portfolio Recovery and calling me at work about a debt I am not familiar with. Continues to call after I requested they not call me.
Ally Finan I Inquiry fromXX/XX/XXXX Institution Information Ally Finan I XXXX, MN XXXX ( XXXX ) XXXX Hard inquiries generally occur when a financial institution, such as a lender or credit card issuer, checks your credit report when making a lending decision. They commonly take place when you apply for a loan, credit card or mortgage, and you typically have to authorize them. Hard inquiries could lower your credit score by a few points and may remain on your credit report for two years. Fortunately, as time passes, the damage to your credit score usually decreases or disappears, often even before the hard inquiry falls off your credit report. I have no knowledge of this account nor why they were checking my credit score. Please erase this inquiry. Thank you!
I got a loan for debt consolidation and had Lending club pay off card cards directly. After the loan is approved and payments are sent to credit cards, somehow one of my two XXXX XXXX cards accounts got changed to an account ending in XXXX. Now, mind you I do not have an account ending in those numbers. Lending club supposedly paid XXXX tom XXXX acct XXXX I pointed this out to Lending club over 10 business days ago and was told that the payment had to settle and wait for a certain for it to be returned. I was told to wait 7 business days and call back, which I did and then was told that there was a 2-day extension put on from the back office that makes the payment to creditors. I call today XX/XX/19 they still do not have my money back, stating XXXX is nonresponsive which is a joke, I can get them on the phone within 30 seconds. I spoke with a manager today named XXXX would file some kind of claim ... .more stall tacks in my mind. There is no way XXXX would have held this money for this long knowing that a wrong account payment was made. I received a claim number XXXX. I believe someone changed my data and tried to pay off an account that was not mine. The back office dept phone number is XXXX. My phone is XXXX. Email XXXX. Please help
I would like my information on my credit reports to be verified and removed that are inaccurate because Florida is the capital in the world for identity theft I was a victim so I want proof it was me I asked the  XXXX  different credit bureau to verified my inaccurate information they just issue a fuard alert
I currently have an account with XXXX that I have had for more than XXXX years. This line was the result of fraud reported many times to the carrier and ERC and ignored. They continue to harass me during work hours even after I sent them the copy of the fraud affidavit. How can I owe for a debt that is not mine and why are these people allowed to threaten and insult me daily.? I have requested orginal signatures from the account and have nothing.
Thank you for allowing me to tell you my problem. I had my mortgage with Ocwen Loan Servicing LLC . I was given a non hamp modification. The payment was {$2000.00} and the first payment was due on XXXX XXXX, XXXX. I made my payments. I met with my Homeowner Counselor, XXXX XXXX of XXXX formerly know as XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and advised her that my payment to Ocwen had gone back to what I paid before the modification, which was {$2500.00}. She called Ocwen and was advised that the modification was still pending because they were waiting to title clearance. I sent the payment and on XXXX XXXX, XXXX, I called my counselor and she called Ocwen. I now owed {$5800.00} so they said and they would send me out another modification package. The advised me that the modification was still pending a title clearance. I sent in another package in XXXX, XXXX. My counselor called Ocwen on XXXX XXXX, XXXX and spoke to XXXX # XXXX and he advised that my file was under review ; however, he now showed that I was approved for another trial starting XXXX XXXX and ending XXXX XXXX, XXXX. The payment would now be {$2000.00}. Please know that I continued to pay the old payment of {$2000.00} until XXXX XXXX and then made the {$2000.00} payment. I made several payments and then it changed back to {$2000.00}. I had not advised my counselor and continued with the {$2000.00}. In XXXX, XXXX, I contacted my counselor and advised her that Ocwen said that I am now 1 month behind. On my mortgage statement for XXXX XXXX, XXXX, it was recorded that I send {$1900.00}, which I sent. I had my counselor call Ocwen and she spoke to my specialist, XXXX. XXXX advised her that my loan was permanently modified on XXXX XXXX, XXXX. When she asked XXXX about me being one month behind, XXXX told her that there was an error on Ocwen 's part and that the payment will be updated to reflect that I was up to date. Ocwen has given me and my counselor so many mixed messages. 
My account was transferred to XXXX. In XXXX, my counselor spoke to XXXX XXXX and was advised that my payment was now {$2000.00}. It had gone up by approximately {$10.00} citing escrow change. I continued to make my payments and in XXXX, the recording stated that I owed since XXXX. These folks were taking the money out of my account automatically. Again I was advised that I was one month behind and whatever payments that were deducted, were applied for the previous month. My counselor asked to get a payment history from Ocwen and when they did, it showed that I was one month behind. Ocwen never cleared their records before the transfer. I am writing you because I am not behind and Ocwen should of had this corrected. I also wrote to XXXX ' Correspondence Department because they advised me that they will do an in depth search. Originally, when my loan was transferred, they never received all the documents from Ocwen. Please assist me.
According to Equifax, my information was released in a cyber attack. Equifax failed to protect my personal identifiable information, and I am now at risk for identity theft. I have no business relationship with Equifax, and entered into no agreement with them. They were granted access to my personal information by statute, and as such they need to be held to the highest standards of consumer protection.
Hello, XXXX XXXX XXXX reported on my credit twice and I only have one account open with them. I want them to delete on of the Items off my credit and keep only one Item on there that matches the amount of accounts I have open with them.
Good Morning, Can you help me get my money back from Wells Fargo Mortgage Company? Between XXXX 2016 and XXXX 2016 ( 7 mo ), through XXXX automatic bill pay, XXXX mortgage payments each month were made to Wells Fargo Bank. I asked WFB to refund the extra payments or apply as future mortgage payments. They refunded four months mortgage payments and applied one month as mortgage payment for XXXX 2016. But two months they refused to apply as mortgage payments and put it toward the principle of the mortgage. I did not authorize extra mortgage payments as she indicated in that letter nor did I ask for any money to go towards the principle. This is not a law ; I was told that this is bank policy. It is my money, why ca n't they do what I asked? My husband and I are XXXX and would really appreciate any help you can give us in getting the extra two months ( {$6000.00} ) applied towards XXXX and XXXX 2016 mortgage payments. Attached is a letter from WFB indicating their disposition of the matter. Thank you, XXXX XXXX