WillisBack/dataset-financial-user-claim huggingface dataset:
HSBC recorded late payments to the three credit reporting bureaus for a credit card I have with HSBC. I rarely use this card, whose last four digits are XXXX. The dates of the two late payment notices that I am aware of are for XX/XX/XXXX, and XX/XX/XXXX. The two charges involved were a {$5.00} airport kiosk charge in XX/XX/XXXX, and a {$100.00} XXXX XXXX XXXX donation in early XX/XX/XXXX that was refunded to me when the XXXX XXXX XXXX  participant did not reach her goal. I never received a paper statement or paper bill showing any amounts due for these two charges. Then in XX/XX/XXXX, I received a paper bill, showing overdue amounts, including late payment charges. I called HSBC and they said that they sent me electronic billing ( via email ) because I had signed up for electronic billing. I never saw any such electronic bill. Since I NEVER SIGNED UP FOR ELECTRONIC BILLING AND ALWAYS RELY ON PAPER BILLS, I was not looking to receive any electronic bill. After some negotiations and speaking with an HSBC supervisor at the HSBC collection department, HSBC agreed to remove the late charges, and remove the late payment notices from my credit reports. Although the late charges were removed, the late payment notations on my credit reports for XX/XX/XXXX and XX/XX/XXXX were never removed. I called HSBC customer service department and they said I owed them {$5.00} from XX/XX/XXXX. I paid the {$5.00}. However, HSBC still refused to remove the unwarranted late payment entries from my credit reports, thus damaging my credit rating which was over XXXX and is now under XXXX. Again, HSBC 's claim that I signed up for electronic billing is false -- I NEVER SIGNED UP FOR ELECTRONIC BILLING and never received any paper statements regarding the two charges discussed above, which is why I didn't make any payments. Thus, in all fairness, the HSBC late payment entries should be removed from my credit reports ASAP.
1 ). Original Loan Amount {$240.00} ). The 2 % is to reflex from the {$240.00} ). New Loan Amount {$370.00} ). The settlement Agreement was to Waive ALL prior, late charges that remains unpaid5 ). Mines does not reflex that6 ). First 5 years my Monthly Prin. & Int. Amount does not reflex a 2 % interest rate, It reflex a 4 % interest rate. 
7 ). A 2 % times $ XXXX=XXXX, not {$980.00} ). How did they come up with {$980.00}? 
9 ). My trail payment for the 3 months was {$1500.00}, for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
10 ). My new monthly payment for the next 5 years is at {$1500.00}. 
11 ). How did they come up with those payment, where is my 2 % settlement agreement. 
12 ). Nation Star Congratulation Letter! States : You are eligible for a Home Affordable Modification. As previously described, if you comply with the terms of the Home Affordable Modification trail period plan, we will modify your mortgage loan and WAIVE ALL prior late charges that remain UNPAID, part of the settlement agreement. 
13 ). Section XXXX, is Misleading14 ). The Whole contract is Misleading. 
15. All Nation Star is doing is setting me up another Predatory Loan, same thing that XXXX XXXX XXXX did. 
I have not made the XXXX 2015 payment base of the New Modification Loan, because I feel and believed that I am going to have to go and get a Lawyer because No one is holding the Mortgage Company 's accountable for the settlement agree.
My name is XXXX XXXX. I was given a toxic loan [ enclosed ] on XXXX XXXX 2007, just before the collapse. This loan is about to explode leaving me and my husband homeless at our age The Servicer refuses to help us although others in our loan pool have been helped. 
Our loan is about to go up XXXX per month an amount we were never qualified for. The rating agency is XXXX.They have the power to make this happen. After rating all these loans triple AAA ..when they were not..We really need help..loan number XXXX ... our address XXXX XXXX..The servicer is Owcen Servicing. THey have repestedly lied and pushed us through hoops ... .thier address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX
I was fraudulently charged a subscription fee {$4.00} for a service or product I never ordered.
I phone my credit card company because of unauthorized charges I found. I was advised to close that account due to possible identity theft. and I agreed and to get another card reissued.
In concert with that re-issue, the call center for Capital One GM Card credit cards submitted an unauthorized subscription for :  XXXX  '' I do not know what this is.
I called  XXXX  at the number on my statement  XXXX  IL, on  XXXX / XXXX /2017 and spoke with "  XXXX  '' and then to a Supervisor "  XXXX  '' to have the unauthorized charge removed and they refused to credit my account.
to whom it ma concern ; I have mailed multiple letters to all the CRAs onXX/XX/XXXX by certified mail in regard to the accuracy of the bankruptcy on my credit report. They received the letter right away on XX/XX/XXXX and replied after 2 days that it has been verified and that its mine through XXXX XXXX. I called XXXX XXXX to confirm if the CRAs indeed verified it and they said no one called them and even XXXX XXXX  ca n't verify all my information since they do n't have enough datas, not even in my public record that matches on their system. I am a wife of a United States XXXX and literally left our lives behind in service for this country and I ca n't believe this is how they treat us. We are about to end our military service and planning on building my credit to purchase a house for my family and this report is hurting my credit score. under the new law effective XX/XX/XXXX, any public record data must include name and address as well as SSN or DOB in or for it to appear on my credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
I have been a victim of Identity Theft and was reported back in  XXXX   XXXX  I have been in the  XXXX  since for the past 2 years and the IRS got a hold of me and told me I have been a victim of Identity theft,  they were the one that caught it. I have reported this to IRS, Social Security, Identytheft.gov . FTC,  XXXX  Credit Bureaus, the local sheriff department, and much more. It has been an ongoing thing ever since and evidently it has also screwed up not just my credit report but also my background. Now I have been trying to fix as much as I could on my Identit y, and one was with my credit. There is one company that has put me on collections and put me on derogatory mark on there. I have reached out to them several times trying to let them my situations. Th e company is called ABILITY RECOVERY SERVICE   XXXX   XXXX    XXXX   XXXX , PA  XXXX  Phone number : (  XXXX  )  XXXX , thats the collections agency and the original debt was towards a college, called  XXXX   XXXX . They said that the account was opened on  XXXX   XXXX ,  XXXX . They did not provide any account number or anything.I have spoken to them numerous times I have explained my situation and all they have said was they can not remove my account out of the credit report and forcing me that this is my account. They told me to get a police report I hav e a sheriff department to make my report because in my area that is the jurisdiction on where I live and not police I did go to the police department and they told me to go to the sheriff office. Again they did n't tell where to submit my documents and also they have been so ride and make degrading remarks. They finally got fed up listening to me and they got mad they said I was yelling an d screaming hen all I was doing was explaining myself in a nice civil manner and they hung up the phone. Then when I call back they just dont pick up and forward me to a voicemail. I have been harass from these people put down an been degrade talked down too. I feel I dont deserve that kind of treatment, especially for something I dont know nothing about, I am trying to clear my name and make things better for me. I am a single mother of  XXXX  kids, and I cant get anything because of these people. Please help me if you can not hep me please send me to someone who can thank you so much.
I was contacted by a XXXX to contact XXXX with a file number XXXX. I contacted the number and everyone i talked to was rude. The voicemail stated that there was a case with my apartment complex. The XXXX person I talked to was XXXX XXXX every time i asked a question she was rude. She stated that I was going to be served today and I looked on the county website for any court documentation and there is none. She stated that they have the right to garnish my wages and that information is being sent to my payroll department when I get served. She stated that in Ohio debtors have up to XXXX years to collect a debt and they are requesting that all my bank accounts are closed immediately and I wont be able to open a account within the next XXXX years. They said XXXX has tried to contact me. They said the FDIC is looking to sue me and have no problem doing it. He said they will put a lean on my car and they see based on my credit report that I have been making the payments and I have a nice job so why not sue you. I asked about the date the compliant was filed in court and i was put on hold then a guy named XXXX XXXX. As soon as he got on the phone he started saying since you want to be diffcult in the state of Ohio we have the right to collect the debt up to XXXX years you will never get away from the debt. You have a good job so we are going to sue you if I dont pay large amount by XXXX XXXX.
I had bought a XXXX 15 inch laptop from XXXX 's online store on XX/XX/XXXX. It was shipped and was suppose to be deliver by XX/XX/XXXX. When I got home that day and check my status of the shipment it said delivered " left on porch ''. I went outside of my condo to check but did not see anything. I called XXXX and they said that the system might not have updated correctly and to wait a few days. I check the next few days each time i came home and looked for the packaged but it was not there, i had asked my neighbors if they had seen or signed for it, they stated no. I called XXXX XX/XX/XXXX, they told me to contact the sender since only they can initate a lost claim. I called XXXX on XX/XX/XXXX to see if they could help me ( email chain attach ). I got an answer by XX/XX/XXXX that said they confirmed it was delievered, I email XXXX and asked if anyone had signed for it, so that i can track it down, XXXX did not respond to that email, when i had called they stated that XXXX will give me that info. When i contacted XXXX they stated only the sender can request that info. I emailed XXXX about that, but XXXX did not respond. I then contacted the credit card company ( Chase Sapphire Reserve ) to find out what my options where, this was on XX/XX/XXXX or so. I had asked if i should dispute the charge or if i should file a stolen item, they stated to file a dispute, i told them that i do not dispute that i charge for the item and i do believe that XXXX had ship the item and that it may have been stolen, but i was once again told to file a dispute. So i filed a dispute with them. I then got an email from the chase website asking for any communication i had with XXXX, which i provided. About a month later i get a letter from Chase informing me that the charges were authorize and the billing was done correctly. I called ( XX/XX/XXXX ) chase to tell them that I do not dispute that the charges were billed correctly, but that I had not gotten the item. The Chase representative told me that I should've filed a stolen/lost item claim, however at this point it has been over 45 days and they can no longer process that claim. I feel that this is unfair, as I have reported everything at the start, I tried working it out with XXXX, then Chase told me to file a dispute instead of a stolen/lost item, and now it is my fault for not filing it in a timely manner.
XX/XX/2014, I have attempted to get my annual credit report from Equifax. 
On their request form it asks for information about a mortgage and a recent auto loan, neither of which I have. It then tells me to send in a copy of my S.S. Card and my drivers license and a copy of my lease. Basically, my entire life information. 
Then I never receive anything in the mail. 
Twice I have sent information. Twice I have received nothing in the mail. 
This is HIGHLY concerning as they are apparently showing items that would indicate identity theft, yet refuse to follow the law and give me a free copy.
Ever since my aunt tragically passed away, this company + number began calling me ( sometimes multiple times per day ). Amazingly fraudulent and annoying. I ( with a perfect - and frozen - credit report, which I very closely monitor ) owe no debts anywhere, but these calls keep coming ; presumably attempting to somehow extract money from me using my aunt as a connection ... it's a shame that other folks who are less sophisticated / fearful might actually fall for this. Shocking that there is no way to block ...
Capital One is reporting a charged off listing on my credit reports. This entry is because of fraud. I contacted Capital One of the unauthorized charges and requested that they send me a fraud package to complete. They have yet to send it and it 's been almost 2 months. I 've the debt with the credit bureaus but Capital One continues to report the damaging listing. Make note of this formal complaint and help me to resolve it immediately.
I believe I reported this problem to you previously and was told it would be removed and it is back. 

I am divorced. my ex-husband has a credit card that he obtained without using my credit to get the card. It is with Discover Card. I am not on the account and have never had a card for the account. In our divorce, he stated that it was his account and he took all responsibility for that credit card. It is in the divorce decree. XXXX  is reporting that Discover Card says I have an open account with them for a balance of {$11000.00}. I don't have that account and I never have. I'm not able to access the account, use the account or pay on the account.
I keep getting calls on my cell phone from a summit receivables saying that I have a debt to be paid. I call back the number that shows up ( a local number of XXXX ) but the place has no clue as to who I am. The number they leave in the message is XXXX but when i call they want me to give a lot of information that if I had an actual debt with them they would have. I 've asked for verification of the debt they say I have but none is forthcoming and they continue to harass me.
XX/XX/XXXX Dear Sir, I am a tenant at XXXX XXXX XXXX, XXXX   XXXX, XXXX, Minnesota XXXX. 

I paid my rent each month {$950.00} plus late payment fee.. 

Under Minnesota law, I am entitled to a receipt for each rental payment. I was not given any receipts and so with the deposit I made when I signed the lease. 

Universal Citation : CA Civ Pro Code 2075 ( 2016 ) Whoever pays money, or delivers an instrument or property, is entitled to a receipt therefore from the person to whom the payment or delivery is made, and may demand a proper signature to such receipt as a condition of the payment or delivery. 

I also need my rental receipt for my tax for this year. 

Further, I asked a proper signature to such receipt as a condition of the payment. As such, I request that they provide me with a signed receipt. 

As I am applying for Senior Housing in XXXX XXXX, Minnesota, I was denied housing because of the Eviction they filed and was reported in my credit and personal file. This cause me great emotional distress. 

Tenant screening reports has been provided to me by the XXXX XXXX  XXXX XXXX, Minnesota. 

I ask for your assistance to provide to me a written notice that there was never an eviction that took place, no SHERIFF OR WARRANT FOR EVICTION HAS TAKEN PLACE and the lease/contract has been fully paid in full. 

XXXX XXXX XXXX XXXXXXXX reported an eviction and I gets turned down for a rental application, and I believe I have been damaged and this is a serious offense. And I want REMEDY for every cause there is an effect. 

Accordingly the company misreported an eviction as I am not evicted and we did not breach the lease. There was no WARRANT FOR US FROM THE COURT AND NEVER RECEIVED ANY NOTICE FROM THE SHERIFF TO REMOVE US FROM OUR APARTMENT. I HAVE BEEN HARMED, DAMAGE AND CAUSE EMOTIONAL DISTRESS AND I WANT REMEDY.. 

Please help me get documentation that the contract and the lease has been paid in full and there is no outstanding obligation on my part from the Apartment Manager and that XXXX  XXXX XXXX must invalidate and delete the file in my public records. 

The tenant screening companies are also subject to similar reporting rules under the Fair Credit Reporting Act. 

Anyone who falsely reported and damage my person, I will pursue legal action against the company for incorrectly reporting negative information that can affect loans and rental applications against my legal entity, XXXX XXXX XXXX, DBA. 

A copy of the Court Judgement is hereby attached and the checks constitute delivery of the final judgement in court. There was no eviction and there was no warrant from the court and the sheriff. 


As such, I request that you provide me with a signed receipt upon receiving my letter. And I want a receipts of all the payment I made and with proper signature today. 

Thank you for your attention to this matter.
XXXX XXXX XXXX formerly XXXX XXXX sent my account to collections because their customer service was unable to determine how to have me send them back their rented modem. This has been resolved, and XXXX XXXX now has their equipment back at their XXXX, NC location. This collections balance remains on my account however, and their customer service is unable to remove it instead directing me to some customer service phone line that may or may not be to XXXX.
They claim to be part of the Make homes affordable act. Basically we thought we had modification pleaded with nation star mortgage and we sent {$1500.00} XXXX. In a cashiers check from XXXX XXXX XXXX XXXX. We did not hear back from one XXXX XXXX in there XXXX California. So we called the XXXX XXXX Police Department the officer went over and his assessment of it was people moving in and out of the office and we tried to stop payment on the cashiers check with no help from XXXX XXXX XXXX XXXX. And since that didnt happen and we had a police report nation star. Nation star mortgage declined our modification our house with put up for auction on XX/XX/XXXX .We filed a Chapter XXXX bankruptcy to stop it. Then on XX/XX/XXXX it went up for auction again we filed our own chapter XXXX and stop the auction they had to go and get the house back. Then on XX/XX/XXXX another auction pro se bankruptcy XXXX had to go back and get the house back again. We have had some life events loss of job, XXXX, identity theft, XXXX XXXX, XXXX  XXXX, and now the house goes up for auction again in two days. I know its late in the game. I so wish that you could help me. All I want is to get my house back I have {$150000.00} of equity and nation star mortgage has depleted my escrow by paying three separate homeowners policies at the same time and they keep charging me for their legal bills and appraisals at my house. I get so much fishing mail emails that its hard to contain plus Im flooded with mail coming to my house. Ive also included photographs dot loop investigation of identity theft and fraud where XXXX XXXX wants to know what I want this is all part of my life events fraudulent activity in a venture I took in real estate to help me pay for my house cars etc.
I had an auto loan with XXXX XXXX XXXX for over a period of 1 year. in XX/XX/2017 my vehicle was stolen. My insurance company paid the car off at whicj it left a XXXX balance on the vehicle. I was told by this company that since i did not have gap coverage hat I could set up a payment plan with them until i purchased another vehicle and i could renegotiate the payment terms. I was told that! could pay {$100.00} per month to preserve my perfect payment history with them and at that time moving forward they would not put any past due or late payments on my credit reports. Well after i made my first {$100.00} payment, 30 days later I was marked with a 30 day late on my credit reports. I called and talked to several customer service reps to no avail. I was only told then that " why would I think that I could preserve a perfect payment history by only paying {$100.00} on a {$380.00} car note. I told them once more I dont even have the car it was stolen and never recovered and i just wanted to make some type of payment arrangements to pay this balance however I cant afford to pay {$380.00} and also a new car note too and I was told they couldnt help me
Equifax has denied minorities the right to a fair credit report. Equifax has denied me the right to a fair credit report. I have submitted a copy of a police report to Equifax. Equifax has been aware of the security breach allowing our personal information to be stolen. Now even with knowledge of the security breach allowing and my police report proving that my Identity has been stolen and someone was arrested for stealing my Identity from Nd and in the state of SC. Equifax has treated me unfairly. I have decided to file a discrimination lawsuit against Equifax if they do n't allow me a fair credit report. I have no outstanding hospital bills. I am on XXXX It is against the law to bill someone who has XXXX out of pocket expenses unless it 's a co pay. Equifax does n't care about the consumers! They 're not a fair reporting bureau. Equifax needs to immediately remove these FRAUDULENT UNAUTHORIZED ACCOUNTS FROM MY CREDIT REPORT. EQUIFAX REFUSES TO REMOVE THE FRAUDULENT ACCOUNTS THAT I HAVE ADVISED THEM THAT ARE FRAUDULENT. I HAVE ALSO SENT IN A STATEMENT FROM THE SLED ENFORCEMENT AGENCY THAT THEY 'VE DISREGARDED! I DO N'T KNOW WHO SIDE EQUIFAX IS ON. IT SEEMS AS IF EQUIFAX WANTS CERTAIN PEOPLE TO BE DOWN. FRAUD IS FRAUD! YOU CA N'T PICK AND CHOOSE WHO TO HELP AND NOT TO! A POLICE REPORT AND SLED STATEMENT CA N'T LIE! I AM A HOMELESS MOTHER OF XXXX. THIS YOUNG LADY HAS TOOKEN MY LIFE AWAY FROM MY SELF AND MY KIDS. I AM FROM HOUSE TO HOUSE TO SHELTER. ALL BECAUSE OF INACCURATE FRAUDULENT ACCOUNTS BEING REPORTED THAT EQUIFAX REFUSES TO REMOVE. THIS IS MY SECOND TO LAST RESORT. THE POLICE DEPARTMENT WHO IS HELPING ME AND MY XXXX KIDS TOLD ME TO FILE A LAWSUIT AGAINST EQUIFAX FOR NOT ALLOWING ME TO HAVE A FAIR CREDIT REPORT WITH ONLY MY ACCOUNTS! I 'VE ALWAYS PAID ANYTHING THAT I HAVE ON TIME. IT 'S HARD BEING A MOTHER OF XXXX TELLING THEM THAT WE 'D BE OKAY WHEN I 'M BEING DENIED A RIGHT TO A FAIR CREDIT REPORT WITH ONLY MY ACCOUNTS! EQUIFAX HAS HUNG UP ON ME NUMEROUS TIMES AND LIED SAYING THEY WOULD REMOVE THE FRAUDULENT WITHIN 24 TO 48 HOURS. DAYS LATER THEY 'D STILL BE ON MY CREDIT REPORT. EQUIFAX TELLS ME ANYTHING TO GET ME OFF THE PHONE! WHEN I ASKED FOR A SUPERVISOR THEY 'D REFUSE SOMETIMES EVEN HANG UP. THEY 'VE BEEN VERY UNPROFESSIONAL. I 'M SURE NOT EVERYONE GETS THE TREATMENT THAT A YOUNG XXXX XXXX HOMELESS MOTHER DOES! MY FATHER XXXX AND I LOST HIS HOUSE BECAUSE OF INACCURATE FRAUDULENT ACCOUNTS AND INFORMATION BEING REPORTED ON MY CREDIT REPORT. EQUIFAX IS THE REASON THAT MY KIDS AND I ARE HOMELESS! PLEASE HELP ME STOP EQUIFAX FROM DEFRAUDING THE PEOPLE AND LET EVERYONE HAVE A FAIR CREDIT REPORT WITH ONLY THEIR INFORMATION BEING REPORTED ON THEIR CREDIT REPORT! MY KIDS AND I DESERVE BETTER! EQUIFAX HAS FAILED US!