WillisBack/dataset-financial-user-claim huggingface dataset:
Hi i had just recently turned XXXX XX/XX/XXXX and wanted to begin building my credit by starting a contract plan with XXXX. They denied me and sent me a letter informing me of my credit score : XXXX. I am not sure why is it XXXX because I have no payment history, never gotten any loans out or anything. I attempting to receive my annual free credit report from the XXXX credit agencies, annualcreditreport, creditkarma etc. In the third step of identity confirmation I am asked security question as to which credit agency or bank I got my supposed home, auto and school loan from XX/XX/XXXX. XX/XX/XXXX I was only XXXX years old and it is impossible that I have any loans, which then denies me access to my credit report ; it says they are " unable to retreive my report at this time ''. I have taken hours calling each agency bureau, the annualcreditreport, my bank XXXX and the consumer protection bureau. All of them have given me little to no insight. I had no other choice but to turn on a fraud alert on my credit report to be proactive if it is the case of an identity theft crisis and someone got loans in my name XX/XX/XXXX. Still no one can help me see my credit report that I have never gotten to see myself and no help from Experian to talk to a representative, its all an automated machine that had no option for assistance. I am left with my last hope of figuring out my credit status so I can fix it if needed or just understand how my score came to be, by filing a complaint to get a response and further guidance.
I contacted Capitol One so that i could do a balance transfer for {$6000.00} from another card. I had a credit limit of {$4000.00} and was calling to ask for a {$2000.00} credit limit increase. I was told by the representative that i needed to complete a request online. I completed the online request and a few days later received a denial notice stating that there was no recent payment history ( account is 14 years old ). I called Capitol One to speak to a representative about the denial since I have the account for XXXX years and my credit score is XXXX and my income is {$100000.00} annually. The representative told me i could try again, so i asked for a Supervisor whom also told me to try again. I advised the supervisor that my other credit card accounts have much less time and i have much higher limits, so if its not a credit nor salary problem then why could n't Capitol One accommodate my request since i have XXXX years history? The supervisor told me to try again and left no explanation. I advised the Supervisor i wanted to cancel my card if Capitol one could n't accommodate my request without a decent explanation. The supervisor in a condescending matter advised me as if it were a threat that the account would be reported reflect closed by consumer. At which point i ended the phone call. This is the worst customer service i have ever seen by a credit card company. Its quite clear Capitol One prefers online customer service transaction verses speaking with a live representative. Its also clear that good credit, income and 14 year history mean nothing to Capitol One.
Keep leaving messages that they are going to prosecute a lawsuit for full compensation along with punitive damages. I have not ideal what this is for. I was fighting one with XXXX for a credit card from XX/XX/XXXX that I did n't have nor can they prove I had it other than having my social security number and date of birth. I believe there was some fraud under my name during this time. I can not file a police report because they will not give me proof. No application, signature or purchase transaction. As well, since it was XX/XX/XXXX, ant this is XX/XX/XXXX I believe this is well over the 10 years a collector can collect on a debt.
I lost my job and got behind on my Discover Card payment. I contacted XXXX XXXX, a debt management organization, to help me consolidate my debt to get it paid off. I contacted them, but did not sign any agreement forms with them. On the advice of the Counselor they advised me to get my entire credit account number by calling Discover, this was in the month of XXXX 2015, since I no longer had the card. I called the XXXX number for Discover and was transferred to the collections department. I spoke with the representative and reiterated many times I have not signed with a debt management program I just need the account number. The Discover Collections representative threatened to send my account to their " attorney '' if I hung the phone up. So I was forced into signing up with their collections department 's program if I did not want them to turn my credit card account over to their " attorney. '' I discovered that what they did was unethical and perhaps illegal. I contacted Discover and was assured by a " manager '' that my recorded/monitored call would be listened to and they would follow up with me to know the outcome. I made numerous calls over the next two months to see if what that Collections representative did was unethical/illegal, but to no avail. Fast forward to XXXX I have signed up with XXXX XXXX for debt management services. XXXX contacted me letting me know that Discover had me in their Collections Department debt management program, therefore I could not be in XXXX 's. I was livid!! In XXXX 2015, I called Discover and spoke with a Manager who assured me I would be taken out of Discover 's debt management program. The Manager also said she would forward my complaint on to the correct department. I do n't believe Discover one bit I think they are scammers and if that Collections representative used unethical/illegal collections tactics with me he will use them with everybody
I have had a mortgage with XXXX XXXX since XX/XX/XXXX and XXXX bought the loan servicing agreement from XXXX XXXXXXXX in XX/XX/XXXX according to my records. 
Since XX/XX/XXXX, we have had a dispute with XXXX XXXX and subsequently XXXX which has never been resolved. 
On XX/XX/XXXX I sent 96 pages by fax to XXXX XXXX from a local chase branch with proof of payments. I have a receipt for that fax. 
They never responded. My son, wrote a letter to them in XX/XX/XXXX outlining our dispute for payments not credited in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I have sent them proof of missed credit for payments and excessive escrow charges to my mortgage account from their payment history which they told CFPB they had submitted to me as a resolution for the problem. The problem has never been solved. XXXX XXXX and now SPS who bought the servicing contract on my loan, has never addressed the proof of payments that I have submitted to them. 
The payment history from XXXX which they sent to me, clearly shows excessive capitalization to my mortgage account of {$170000.00} since XX/XX/XXXX. 
In reconciling these charges, I have discovered that the amount of {$100000.00} is owed to my mortgage account since XX/XX/XXXX which has not been credited. 
As stated above I sent 96 pages by fax from a local XXXX branch to them in XX/XX/XXXX which XXXX and now SPS has never acknowledged. 
They have never acknowledged receipt of this proof of payments to substantiate my claim. 
Therefore I am requesting a complete review of my account which includes crediting the payments I have submitted and acknowledging the excessive escrow charges made to my account which is shown on the XXXX payment transaction hiostory. 
I submitted a prior complaint to the Consumer Finance Protection Board on XX/XX/XXXX and the complaint number is # XXXX which you stated the company has submitted a reply but this reply is not correct or acceptable to me. 

They may have responded to my complaint to your agency dated XX/XX/XXXX. But they did not address the problems of the missed payment credits nor the excessive accrued interest payments and escrow charges made to my mortgage account as evidenced by the XXXX Transaction payment history and the proof of payments I sent to them in XX/XX/XXXX. 

Lately SPS sent me a Cancellation of Debt Notice for {$210000.00} dated XX/XX/XXXX but according to the SPS payment history they only excused {$71000.00} from the Deferred Interest Balance. 
The notice they sent to me or {$210000.00} is erroneous and I have sent them many letters requesting that they sent a corrected statement which they have not done. 
This notice has tax implications and the amount stated on it is not correct and it must be corrected. 
I am asking you to please reopen this case and it has not been resolved in a correct way to reflect my payments that were not credited when it was a XXXX mortgage and excessive escrow charges for taxes and insurance. 

Respectfully Submitted, XXXX XXXX
I contacted Experian to have names incorrect names removed from my credit report. They advised me to find the " creditors '' who have reported the information and would not assist me updating the account regardless of proof of identification. When asked to speak to a supervisor I remained on hold until the representative eventually intentionally disconnected the phone call.
Got until Tuesday to get out but I Need more time like 30 days and I also would try to keep the house
XXXX XXXX XXXX is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that Progressive Insurance charged off 4 years ago. Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XXXX when it charged off at the end of XXXX. I complained to XXXX about a charge and they did n't respond and it led to a charge off. The account is also duplicated. That means there are XXXX violations due to a single trade line.
Under CFPB case  XXXX , Synchrony Bank informed me that they would initiate an identity theft fraud investigation and informed me of the results after 60 days. The 60 days has passed, and I have yet to receive the findings of the investigation. I have provided Synchrony Bank a copy of a police report filed with the   XXXX   Texas police department and a identity theft report from the Federal Trade Commission. Synchrony Bank informed me of the fraud investigation on  XXXX   XXXX , 2017. I provide them the police report and identity theft report via certified mail (  XXXX  ) which was received by Synchrony Bank on  XXXX   XXXX , 2017.
Transunion 's failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''. Transunion & its actors willful behavior of discharging its duties to correct itself and the record after prior attempts were properly made.
I was unaware of the said debt and was not notified about the debt. The debt appeared on my XXXX credit report on XXXX XXXX, 2017. I immediaetly filed a dispute and neither XXXX nor the debt collector was able to provide me with debt validity. This collection was also removed from both XXXX and XXXX as well because the company was unable toshow proof of the account. XXXX  responded to my dispute by stating that it was verified by XXXX XXXX XXXX. I did recieve any inforation concerning debt from XXXX or the collection agency. This account is reporting negativley on my XXXX report and causing me credit issues.
I paid off an Afni XXXX account XX/XX/XXXX the original dedt XX/XX/XXXX they told me if I paid then they would remove it. I have done several disputes and they continue to change the date of last activity. They are doing this and its wrong. I had a head injury I am on XXXX and I feel they are exploiting me. 

AFNI XXXX XXXX XXXX XXXX XXXX T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : PREVIOUS STATUS XXXX : PAID ACCOUNT. ZERO BALANCEXXXX : ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTOR 'S INTERNAL COLLECTION DEPTXXXX : ACCOUNT INFORMATION DISPUTED BY CONSUMERXXXX : XXXX : ACCT INFO DISPUTED MEETS FCRAXXXX : CONSUMER DISPUTES THIS ACCOUNT INFORMATIONXXXX : COLLECTION ACCOUNTXXXX : XXXX MAY SHOW A CURRENT RATING OF XXXX ( SETTLED OR IN COLLECTION ) DUE TO THE XXXX PAYMENT PATTERN
Dear Sirs, My name is XXXX XXXX XXXX, resident of the municipality of XXXX, Puerto RIco. I am the owner of a white XXXX XXXX vehicle of year XXXX. This car was financed by XXXX XXXX XXXX XXXX XXXX . The account number with XXXX XXXX XXXX is XXXX. 

After the passage of hurricane Maria over Puerto Rico, XXXX XXXX XXXX was one of the companies in Puerto Rico that granted three months moratorium to consumers for the payment of their bills. As a client of XXXX XXXX XXXX, I was one of the beneficiaries of that moratorium. After that period, I continued making my payments to XXXX XXXX XXXX on time. Due to an involuntary confusion regarding the scope of the moratorium, XXXX XXXX XXXX, alleged that a payment was missed in my account. I NEVER received a communication or a phone call from this financial institution to indicate that there was a delay in my account. If I had received some type of communication from the financial institution, I would have made all the necessary arrangements to resolve the situation immediately. 

I have always been very careful and responsible with my credit. All my accounts are paid on time and usually well before the due date. My credit score has always exceeded 800 points as has been classified as excellent by all of credit report companies ( XXXX XXXX, XXXX  and XXXX  ). 

Today, Monday, XX/XX/XXXX, I received a message from XXXX XXXX indicating that my credit score had dropped 117 points, due to a supposed one-month delay in my account with XXXX XXXX XXXX. 

Respectfully, I request that this negative mark be removed from my credit history. 

Cordially, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PR XXXX Telephone XXXX
Hi I was cheated by US bank to open reserve lines when I opened a checking and saving account with them, which resulted in a hard pull in credit report. First of all, I was n't notified by the banker by any word regarding a hard pull or credit report change. Secondly, I was n't aware of any word about " reserve line '' rather than overdraft protection. This is ridiculous. I have contacted the credit dispute department of US bank. But their response is disappointing.US bank should take full responsibility for this issue. I just request to cancel the hard pull and reserve Line. However, this simple reasonable request by the customer was ignored by US bank. Could you help me on this? Thanks.
One day i got a bill from XXXX XXXX for over {$3000.00} and i never had a account with XXXX wireless i called and and told them that i never had a account with XXXX XXXX so i disputed with them and after few months later they told me somehow they verified that i was the one that opened over 5 lines, but thats crazy i never had XXXX XXXX let alone have 5 lines. so please i need help removing this from my credit because i want to buy a house and this needs to be removed from my account before i can buy a house. 

Date Opened XX/XX/2017 Account Type Collection Balance {$2900.00} Contact Address XXXX XXXX XXXX, XXXX, MA XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$2900.00}
On  XX/XX/2017    I went to use my  XXXX  Credit Card and was discovered my account was closed and turned over to a collection company and is now reporting as a charge off. I tried to contact  XXXX  and am not allowed to speak to them only the collection company. On  XX/XX/XXXX  I accidentally made  XXXX  electronic payments. I placed a stop payment on one of them to avoid an overdraft and let the other payment process through my bank. I notified  XXXX  of my Intentions on  XX/XX/XXXX  to let them know what I had done. I have never been late with a payment and always pay more than the minimum amount due. The fact that I placed a stop payment should not have caused my account to be charged off as the other payment cleared my bank and was received before the due date and was for more than the minimum amount due. Now  XXXX  is reporting to all three credit bureaus that my account is a charge off and non collectable. I have provided all if my bank transactions to them which shows I have never been late in the two years since opening this. I am asking they remove this from all  XXXX  credit bureaus as it is absolutely not accurate if my payment history.   If you need a copy if my bank statements I would be happy to provide you with one
On XXXX XXXX, XXXX the vehicle was returned to JD Byrider ( CNAC ) due to losing my employment and not able to keep up with the payments. The company then sold the vehicle and stated they will send me information on what was left and due. I emailed XXXX XXXX on several occasions from XX/XX/XXXX - XX/XX/XXXX requesting documentation with no response. I sent a letter back in XX/XX/XXXX requesting, contract, bill of sale, and additional information and it was ignored. I sent another letter in XX/XX/XXXX & XX/XX/XXXX requesting the same information and it was ignored. As of today, XX/XX/XXXX, I spoke with a XXXX at CNAC who basically told me that there 's nothing they could do. I would have to pay {$9000.00} in which that was the original amount of the loan. And I should learn how to pay my bills. I requested documentation and was told that they did not have to respond or give me anything as I am NOT a customer of there establishment. If they will not provide the original contract, bill of sale for when they sold the vehicle then why I am being held liable. They are reporting this a charge off to my credit DAILY but wo n't do anything to resolve the issue.
I just realized that when I do n't pay the full balance of my American Express Blue card, I am charged accumulating interest on the unpaid balance that remains after I pay my bill ( that is expected ), AND -- suddenly -- -I am billed accumulating interest on my newly purchased items that I have not yet been billed for. In other words, I am suddenly paying an interest from day one before I am given a chance to pay it off. For instance -- -one month, I did n't pay {$80.00} of my full balance. Into the following month, I used the card on new purchases. Because I did not pay the {$80.00} ( out of over a {$1000.00} billed to me the month prior ), I was charged interest on the {$80.00} ( fine ), PLUS my new charges ( not fine )! The girl had to explain it to me several times, because I thought I was not understanding her correctly. They charged me interest on my new purchases BEFORE giving me a chance to pay it off! Unreal!! And, this is ONLY because I carried over an {$80.00} balance. I found out that this happened a few times to me in 2015 on small balances I carried over. She said it was in my " agreement. '' Maybe it was, but it is unorthodox and it should be investigated. They must provide me a way to pay it back before they can charge me interest on it. Do n't you think?? How many people do n't realize that they are paying interest from day one on their purchases?
My complaint involves Ocwen Loan Servicing , LLC . The lenders payment grace period is the XXXX of the month. Due to recent Strike with my company I made my payment in full with late fee on the XXXX of the month, and only 6 days after the grace period I received a Remittance Information from Ocwen threatening to foreclose on my property if I did not bring my account to current. This may all be perfectly legal documentation but how fair is it for a company to send a threatening foreclosure statement when most statements of this sort are not even sent out until a homeowner has MISSED TWO PAYMENTS! I tried contacting Ocwen and they sent a document claiming that they are within their rights to send the form when payments are late. My complaint is that I feel their practices are shady, and they have late notices which appear to be misleading and unjustified, especially for homeowners like myself who are up to date on their current mortgage payments. I have n't MISSED a month before but I am concerned that whenever the time comes when I am late by a month, ( say during my current unemployment, that this company will throw me into Foreclosure before the two month grace period.
Suddenly I received a letter for debt collection from Paypal. I have no clue where and what type this debt came from. I do not have a Paypal account. Nor have I ever made any transaction via Paypal.
Transunion had a glitch in their system in which violated the rights of the consumer under the section 6.11. As the result I have been gravely affected and my score is suffered due as the result. No notice was ever given in which is also a violation and I'must requesting that all inquiries be removed
I 've received 10 calls in the past 22 days from Vital Recovery Services with a recorded message to call a number about a debt. I 've called and verified I am not the person they are calling for and I do not know the person. They said they would remove my phone number but I continue to receive calls.
I received a threatening letter in the mail stating that if I do n't pay {$1300.00} by XXXX / XXXX / 2015 they are going to take repossession of my vehicle. After I have made XXXX car payments and they know I 'm out of work from giving birth to my son.
While monitoring my credit reports I found several fraudulent inquiries on XXXX XXXX, XXXX, and Experian. Even though I paid to have all three credit agencies to lock or freeze on my reports, to my dismay, someone was still allowed to solicit credit in my name and was granted a XXXX cable/internet account in my name in XXXX XXXX. This is despite the fact at the time I had a valid XXXX account in my home in XXXX, which had been active for years. Needless to say I no longer use XXXX.

I called each company and informed them of the fraud. I also asked them why they did not contact me in accordance with the credit locks that were in place. I asked all of the companies to remove their inquiry from my credit report. I also contacted XXXX XXXX, XXXX, and Experian to inform them of the fraud and requested the inquiries be removed. I also disputed the inquires via one of these agencies online form to no avail. XXXX 's and one other creditor honored my request and removed the fraudulent inquiry.

The majority of the fraudulent accounts were initiated with a XXXX  XXXX address. I contacted XXXX PD and reported the fraud to their Financial Crimes division. They opened a case.

Months later XXXX  discontinued my service and claimed I owed them over {$900.00} for service in XXXX   XXXX. I explained to them that I contacted their office in XX/XX/XXXX about the fraudulent inquiry. Yet it turns out they gave the perp an account in my name despite my informing them. After trying for more than a week to have XXXX  correct this issue, I filed a complaint with the XXXX   Attorney General. XXXX   eventually apologized and removed the collection from my reports.

Currently I still have several fraudulent inquires on all three credit reporting agencies even though I have asked the companies and the agencies to remove them. I would like to have every fraudulent inquiry removed.

XXXX XXXX   fraudulent inquires : XXXX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  fraudulent inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX  XXXX/XXXX XX/XX/XXXX EXPERIAN fraudulent inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Please note, I currently have an active XXXX XXXX Card and an active XXXX XXXX  Card. The fraudulent inquiries cited above are NOT associated with my current active accounts. One of which is more than 14 years old.

Thank you.