WillisBack/dataset-financial-user-claim huggingface dataset:
Portfolio recovery is showing open collections on our credit reports, we have asked them numerous times to provide us with a signed contract showing they legally purchased any accounts with our SSN. They refuse to provide any information except an old statement from an account that isn't related to them. We demand to see contracts which they can't provide since they don't have them. We also demand that all information regarding this company and their fraudulent activities be removed from all credit reports. We also demand monetary payment for the damage they continue doing to our excellent reputation.
1. File suit for a debt taken out XXXX XXXX, attorney knew or should have known was time-barred 2. Failed to notify me of final judgement/lien 3. Improperly signed my name to Court Order & Judgement which I never saw or knew had been issued 4. CFPB to impose {$1000.00} statutory penalty ; liability for emotional distress, losses due to potential delay in mortgage refinance 5. CFPB to note violation of Court Order Civil Action # XXXX dated XXXX/XXXX/XXXX and take action as appropriate
Dear Sir or Madam, Please help me. I am a victim of identity theft, and I am being held responsible by Discover Card for {$5300.00} in purchases that I absolutely did not make. The fraud dispute process has failed. I have been fighting with Discover Card since XX/XX/XXXX, but every time I resubmit my claim, I get rejected with no explanation. When I call, I am told that I can not speak directly with a member of the fraud resolution team because they " do not accept phone calls. '' I want to exercise my rights under the Fair Credit Billing Act ( FCBA ). I first notified Discover Card of the fraudulent activity on XX/XX/XXXX. The charges were credited from my account, beginning on XX/XX/XXXX. I received correspondence from Discover that all unauthorized charges have been credited on my account. 

But on XX/XX/XXXX, I received a letter from Discover stating that they changed their minds, and that I was responsible for all charges. They placed all credited fraud charges back on my account! 

This is a violation of the dispute settlement procedures provided by the FCBA ( 161, sections A and B ). The FCBA settlement procedures apply to fraud or unauthorized charges, which I am disputing. Federal law states Discover must resolve the dispute within two billing cycles ( but not more than 90 days ) after receiving my notification of disputed charges. Discover failed to meet this timeline, and the law clearly states that any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges even if the creditor finds the charges to be valid. 

My dispute was initiated in the XX/XX/XXXX to XX/XX/XXXX billing cycle. The dispute was not resolved within the next 2 billing cycles of XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. The disputed charges did not reappear back on our account until the XXXX billing cycle of XX/XX/XXXX to XX/XX/XXXX. Therefore, even if Discover believes these charges to be valid, ( which they absolutely are not ), under law, we are not responsible to pay the charges. 

I am attaching proof that the dispute began in the XX/XX/XXXX billing cycle, and the dispute was not resolved until 3 billing cycles later, in the XX/XX/XXXX billing cycle. 

I am also attaching the overwhelming evidence proving that the fraud charges were not authorized by me or anyone in my family. 

Thank you!
Capital one pulled money from, my checking account without my authorization. I called Friday, XX/XX/XXXX when the transaction was pending in my checking account and was advised they did not " see anything pending '' on my account. I recived an email XX/XX/XXXX stating the payment was post to my account.
Applied and approved for {$2500.00} XXXX card in XXXX after moving. Have never received a card or a bill, called in late XXXX, new card issued, again never received. Can't make a payment as I don't know my account number. Can't get account number from XXXX, they won't issue it without the card. 0 late payments on my credit report now tainted. I just want a card issued, late charges removed so I can pay my bill.
I was placed in forebearance and deferment programs for years when I qualified for public service loan forgiveness program and IBR payment plans. I worked as a XXXX in low income area since XX/XX/2006.
On  XXXX / XXXX / XXXX  at  XXXX    XXXX   I spoke wit Transunion and spoke with  XXXX -Supervisor and explained that I was aware of the glitch that occurred in  XXXX  and again early  XXXX . The problem that occurred i s TransUnions ', not  mine. I should have been notified prior to re-adding inquiries back to report, I did reach out in good faith asking that they are removed due to re-added illegally. As this is hurtin g my credit score an d adding hardship and my rights were violated by Transunion and victimizing myself. Please remove all of the inquiries permanently from my report
I have been making payments on my student loan for over 3 years without missing a single payment and I HAVE YET TO SEE A CHANGE IN MY PRINCIPAL AMOUNT OWED. As a matter of fact when the loans were incurred my total debt was approximately {$23000.00}. AS OF TODAY THE OUTSTANDING BALANCE HAS GROWN TO {$32000.00}.   HOW IS THIS POSSIBLE?!! !! First of all, it is bad en ough that parents and students are having to bury themselves in debt just to obtain a higher education degree, but then to  XXXX   XXXX  with fees, compounded interested multipli ed by 2 and on and on and NEVER SEE THE LIGHT AT THE END OF THE TUNNEL after making payments mo nth after month consecutively, on time is just too much.   In this country you can not get a decent job with a college degree, yet we are penalized and forced into insurmountable debt just to obtain that degree. It is a disgrace. I have written letters first to  XXXX   XXXX  and then  to Navient ( who took over the servicing of my student loan ) asking for itemized break down of where all my payments are being applied, why my balance never changes and have never received any respons e.
Today XXXX/XXXX/XXXX, I attempted to contact Experian due to some inaccuracies showing on my report. I have numerous unauthorized inquiries reporting. The XXXX I spoke to initially started the process and refused to go any further because she states that I have opened an auto loan in the time frame from XXXX. Her facts are completed inaccurate and are based off assumption. While having purchased a car in XXXX XXXX, I only use one bank to process financing on all of my vehicles in which is XXXX XXXX XXXX XXXX. In XXXX I refinanced the same car with XXXX XXXX XXXX XXXX. The fact that she took it upon herself to deny me rights to reporting inaccuracies on my file is nothing less than mind blowing. I request that all none account associated inquiries be removed from my file, for I have no knowledge and did n't authorize any of them.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I do not recognize any of these companies and have not applied for credit at any of them!
I was unaware that my dealership was going to put inquiries to several different banks. This was unauthorized on my Transunion Report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Credit Report compamy is reporting a derogatory debt that has not been proven to be mine. I have disputed this for years and they still fail to provide proof of debt. The creditors name is  XXXX   XXXX   XXXX  the date is  XXXX / XXXX /   2014  in the amount of {$2000.00}. I have not received anything supporting this debt. This is a violation of my consumer rights.
I have tried submitting various complaints to   XXXX  Equifax,  XXXX   XXXX   with no clear results of the dispute stated other than they are right and you are wrong. I submitted  XXXX  dispute to  XXXX  on  XXXX   XXXX ,2017 and on  XXXX   XXXX ,  2017  I was notified the " investigation '' was completed. They are required under FCRA regs to complete a thorough investigation on each account. I do not believe that this has been the case for my accounts. My wife and I are suffering daily because of false reports that damage our score from access credit inquires required to get a reliable vehicle, insurance premiums, and the possibility of buying a home.
I had deposited a check into my Wells Fargo business account on XXXX/XXXX/16 from a check from a XXXX account. Wells Fargo had placed a 5 day hold on that check pending verification. On the next day, XXXX/XXXX/16, the check had cleared the XXXX account and was no longer there. Funds had been transferred to Wells Fargo. But they still did n't release the hold. I had fought with them for a week, in the process having my account go into a overdraft situation therefor incurring fees while the account was technically not negative. I repeatedly called the customer service number and nobody could explain where my money was, just that it would be available on XXXX XXXX ... .well over a week away. I had told them I have verification the check cleared, why do n't they. And again no answer. 

I know they have done this numerous customer via website chat rooms about Wells Fargo. It looks like they are using are money to play with to cover the fines they accrued in this latest round of corporate misdoings. This is not fair and they should be fined for this.
Nationstar Mortgage have alleged they were transferred servicing of a loan that I owed in XXXX 2014. I have filed a lawsuit and voluminous amounts of complaints with Federal and State agencies referencing this debt collection. I have disputed this debt since they 've alleged they were collecting for XXXX XXXX XXXX XXXX. Most recently, I filed CFPB complaints referencing the debt on my XXXX, XXXX, and XXXX reports. As a result, of disputing the loan XXXX for almost three years ; Nationstar Mortgage has deleted this credit line from my the credit repositiories. However, Nationstar Mortgage has continued to send me statements indicating the loan is outstanding in the amount of more then {$140000.00}. Nationstar Mortgage and their attorney, XXXX XXXX and XXXX XXXX XXXX and their attorney, XXXX XXXX XXXX have been lying to the CFPB and the Courts referencing this alleged loan for years. It appears they ca n't synchronize their fraudulent scheme. XXXX XXXX XXXX goes into Court and say one thing and Nationstar Mortgage acts reflects the opposite. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 's has repeatedly told the Courts they have nothing to do with the loan since they transferred it to Nationstar Mortgage. Notwithstanding, Nationstar Mortgage will not give me any information referencing the loan they claim I owe more than {$140000.00} and have reported the loan has a XXXX balance with the credit bureaus. I am requesting the status of Nationstar Mortgage, ( XXXX XXXX ) loan XXXX as of today they 're allegedly servicing for the XXXX XXXX XXXX XXXX XXXX.
The account was opened without my consent. I want it removed immediately form my credit report. They are showing   XXXX   different reports to the credit bureaus.
  XXXX   XXXX   XXXX   XXXX   Account Number  XXXX  Account Type Credit Card Terms Revolving Date Opened  XX/XX/XXXX  Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days two times Status Updated XX/XX/XXXX  Balance {$430.00} Balance Updated - Credit Limit {$200.00} Past Due Amount - High Balance {$430.00} Monthly Payment {$20.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address   XXXX   XXXX   XXXX  ,  XXXX , DE   XXXX   Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments -
I had an XXXX credit card when I was in college. It was bought out by Chase Freedom. In the process of changing companies I missed a monthly payment in I believe XX/XX/XXXX. Chase immediately penalized me by raising my interest rate to a borderline usury interest rate of 29.99 %. I graduated in XX/XX/XXXX into a bad job market and was underemployed for much of XX/XX/XXXX and XX/XX/XXXX which made it incredibly hard to pay down my balance while the absurd interest rate was being applied. I eventually was able to pay off the balance. Since that time my credit has drastically increased and I have been able to buy a nice XXXX family home without a joint applicant or co-singer. I have also been able to obtain new credit cards with competitive interest rates. 
I have called Chase freedom several times over the last couple years to have it lowered to a reasonable rate that is in line with my credit report. During this same time period other credit cards that I use have lowered the interest rate on my cards without me even requesting it. Chase 's explanation is always the same. They in a friendly and polite way tell me there is nothing they can do and that is the lowest interest rate they can offer to someone in my situation. They informed me that they periodically review the account to lower my rate. If that was true it would have been lowered. From my conversation with them it is my understanding that the one criterion I am not meeting is credit card activity. Once the card was paid off I stopped using it for obvious reasons. I explained to them that only a desperate person would use a card with 29.99 % interest rate and I would n't start using the card unless it had a reasonable rate. In my opinion I have been responsible since that one missed payment and they are choosing to punish me for the life of the relationship. Chase informed me that they no longer use the same practice of penalty pricing but was nice enough to grandfather me in under the less favorable terms. I do n't believe the process they use gives me a fair opportunity to lower my interest rate to a reasonable level. I closed the card because they made it clear they did n't want my credit card business unless I was going to pay 29.99 %. I understand Chase is XXXX % covered legally on what they are doing but I believe their practices are unethical.
I have filed multiple complaints against Select Portfolio Services XXXX the most recent is case number XXXX ) and they refuse to even research the allegations against XXXX XXXX, the original lender. They state categorically that funds in my modification were not used to pay off XXXX Mortgage because there is no written record in the modification that XXXX did. 
I have requested and XXXX Mortgage is in the process of providing me documentatyion that XXXX did indeed pay off XXXX XXXX XXXX is to send me a copy of the bank wire from XXXX as well as the payoff letter that was faxed to XXXX, complete with XXXX 's fax number on it. 
I will provide this documentation as soon as I receive it from XXXX Mortgage, and it will prove that while XXXX was not listed as being paid off, funds from XXXX that were included in my modification were used to pay off XXXX. 
To assert that my loan balance increased over {$50000.00} due to accrued interest, etc is absurd in itself when the original loan was only around {$35000.00}! 
Again, I request that the CFPB requires SPS to do honest research and in doing so will see that what I am saying is true.
After checking my credit files I realized that an account that doesn't belong to me is on my files. The account is from Nordstrom/TD Bank. I have tried multiple times to have this item removed from my XXXX credit file, but it has not been. This account is fraud, I never applied for it, and it needs to be removed ASAP. The account information is as follows. Nordstrom/TD  Bank ... balance : {$6400.00} ... date opened : XX/XX/2016. Remove this account from my credit file, it does not belong to me and is offensive. I have attached copies of my files as well as the police report I filed for this account.
I transferred XXXX from my Paypal account to my bank account. The status from Paypal says " completed '' but the money is nowhere to be found in my bank account. Calls to Paypal remain unanswered.
XXXX University through ECSI. This would be the XXXX time my bank account number has changed ( I was not the one to change it XXXX and a payment has subsequently not been processed. They then charge late fees. I am unable to even check my bank account information for accuracy on their website. 

Furthermore, upon talking to a representative I was informed my bank account did not have a proper amount of numbers even listed.
XXXX XXXX XXXX keep updating payment history to extend time the account remain on the credit file. Last payment was made XX/XX/XXXX.. There reporting two payments on XX/XX/XXXX and XX/XX/XXXX. I never made those payments they are reporting. This account should have been deleted after the 7 year mark.
AES/PHEAA is reporting an account on my XXXX, XXXX, and XXXX credit reports. It is a very old account from XX/XX/2006, I no longer owe AES, and it should be removed from my credit reports immediately. AES/PHEAA 's company policies or industry standards are of no interest to me. I have no further dealings with AES and I want them removed from my credit reports.
XXXX, XXXX and Experian are all reporting Bankruptcies twice on all 3 of my Credit Reports. 

XXXX  is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

XXXX is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

Experian is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

However, I have tried to dispute these inaccuracies with all 3 Credit Reporting Agencie : XXXX, XXXX  and Experian. However, they have yet to MASK these items, from my Credit Reports. 

However, on XX/XX/XXXX after I disputed these inaccuracies with XXXX, XXXX  and Experian. XXXX and XXXX REMOVED the Bankruptcies, from my Credit Report, but then ADDED them right back on my Credit Report the SAME EXACT day! I have also attached proof of this with this complaint. 

I have also contacted the Federal State Bankruptcy Court that responded back to me via signed letter stating, That they do NOT REPORT any Bankruptcies to any of the 3 Credit Reporting agencies. I have attached this letter, from the Federal State Bankruptcy Court to this complaint. 

I am requesting that ALL 3 Credit Reporting Agencies : XXXX, XXXX and Experian IMMEDIATELY REMOVE ALL of these Bankruptcies, from my Credit Reports. Because ALL 3 Credit Reporting Agencies are in violation, of the Fair Credit Reporting Act.
This complaint is about santander consumer usa i debated the terms of agreement and won the debate, however they reported it twice on my credit they claim they only reported it once however the XXXX still show on my report. They say that its not on my report and can not and will not do anymore.
Bank of America is forclosing on our home however XXXX is the company that we were working with on a loan modification. Once we questioned them as to how this could happen they sold our mortgage to selene. XXXX has refused to work with us and has added {$80000.00} in fees to our loan. Now saying that we do n't make enough to keep the house. How can they do this.
I wrote to XXXX XXXX Bank asking them to provide proof that they own the debt which was not originally there 's. I got no response and it 's been well over 90 days. I asked XXXX and Equifax that they be removed and it was only deleted from XXXX. I would like them removed from all XXXX bureaus.
My vehicles were insured with XXXX for many years. My spouse and I separated and eventually split and the insurance was not maintained on the cars resulting in it going to collections. I satisfied the debt in full per there request and was advised the debt was paid in full and would be deleted. It has been in excess of 6 months since the debt was paid and it reflects on the bureau that I have an outstanding debt. I have contacted the company several times pertaining to removing the debt and providing me with a letter of deletion which they have not completed. I spoke with XXXX on XX/XX/2017 and she stated the company has requested the item be deleted on many occasions and her manager XXXX has requested the item to be removed again. She stated she was not able to provide me with a letter of deletion so that I may submit the documentation to my mortgage company. I have attempted relentlessly to have this item removed and the company has failed to provide any assistance with this matter.
On XXXX XXXX, 2016 i wired money to XXXX via western union services, on the following day, XXXX XXXX, 2016 my sister who was the person to receive money went in to XXXX XXXX to retrieve money, the teller pulled up the info and went to get money but once she had money in her hand she turned to my sister and told her there was an error on the computer system and was n't able to complete transaction ... money was never given to my sister nor did she sign for it, i contacted western union immediately and was told they would be investigating this case and have since called in on daily basis only to hear them say they are looking into this, i need my money asap and would like immediate action taken on my case.
I went to a XXXX on XXXX XXXX, 2016 to look at mattresses and the sales person took my social security number, saying that she only needs it to provide me a quote for the mattress i like. However, a month later, I receive notice that a XXXX credit card was opened under my name for {$3000.00} credit limit without my knowing. I talked to the manager there in XXXX and he gave me the SYnchrony Bank phone number to call, saying " it 's happened multiple times before and just call this number, explain to them and you 'll be fine. '' I was on the phone with Synchrony Bank for one hour and finally decided to close the account, thus dropping my credit score by XXXX points.
ID THEFT VICTIM XXXX POLICE REPORT VIOLATION OF MY RIGHTS AS A CONSUMER REPORTING INACCURATE INFOMATION
This is not a duplicate complaint. In a prior complaint, USAA inaccurately reported prior information that a paid charge off had a balance due to XXXX and XXXX. USAA responded to that complaint by re-correcting those tradelines, although they should have been deleted. Now, USAA is inaccurately reporting that same inaccurate prior information that a paid chargeoff has a balance to XXXX. This occurred on XX/XX/XXXX. I have attached the accurate reporting as of XX/XX/XXXX, and the new inaccurate reporting as of XX/XX/XXXX.
XXXX 's system does not allow me to dispute this issue since I disputed it the first time this occurred and XXXX thinks this is a duplicative dispute, which it is not. USAA previously corrected but has now reverted the data to be inaccurate again. As 30 days have passed and the information is inaccurate, it must be deleted according to the FCRA. This is a repetitious and ongoing problem for USAA, and thus far the bank has not taken corrective action that prevents inaccurate reporting of prior information on its tradelines to the 3 credit bureaus. I recommend the CFPB investigate whether this is an ongoing problem at USAA that affects numerous consumers besides myself.
I am tired of trying to find out the actual pay on my mortage wi -th bsi .I have been paying the escrow shortage for 1 year. 
however bsi has not informed me as to when I will be finished with paying the escrow shortage.what I do n't understand is why they are so lax in informing me as to when I would be done paying for the shortage. according to XXXX it was for 1 year yet I have not received anything from bsi as to a recalculation of my mortgage payment. I would like to know why?