WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a long-standing dispute with XXXX XXXX over my Guitar Center credit card ( account number ending in XXXX ). In XX/XX/XXXX I filed a complaint with you. Please refer to CFPB case no. XXXX. This case is NOT closed to my satisfaction. Synchrony continues to overcharge an account that to my best knowledge and ability should be paid in full. I don't know where the discrepancy originated, but one problem is that Synchrony has records of only three refunded purchases whereas I actually had five. Oddly, both Synchrony and I have records of my account activity, records we both say are directly from Guitar Center. But Synchrony 's are missing one purchase and two returns. And I must add, my GC records predate Synchrony 's by about two years. Yes, I have copies of all these, which were handed to me -- twice in XX/XX/XXXX -- by a GC manager after he researched my entire account activity on his system. On my two visits to this store, in XXXX and XX/XX/XXXX, I was given all of my GC account information -- in hard-copy documents, including transaction numbers, dates, and both purchase and refund amounts -- and this information was consistent to the penny both times ( accounting for my intervening payments ).  Most important, this information also accorded with my own knowledge of what purchases and returns I had made. So, based on this information, I continued making payments on this account until the balance GC showed me was paid. 

Somewhere, somehow, the communication between Guitar Center and Synchrony has failed to accurately track my purchase and return activity. Synchrony refuses to consider this possibility and stands by its own flawed record. 

Now, what's worse, Synchrony has turned my account over to a debt collector, and the reports of delinquency sent to the credit bureaus has made my XXXX credit score plummet from over 800 to XXXX! It is not fair that a financial institution can so easily destroy my financial life while I seem to have no recourse. If this matter involved thousands of dollars, instead of hundreds, I would file a suit against Synchrony, but as it is, that would not be financially practical for me. 

I would just like to point out that, if our situations were reversed and I was the one with a record of only three refunds while Synchrony showed five, NO ONE would reasonably claim that I was likely to possess the more accurate account of the two! The obvious question should be, Where did the other two transactions come from if they're present in only one set of records? And yet Synchrony has made no attempt that I can tell to address this question.
Re : IQ DATA internationalAmount : $ XXXXXXXXAccount # : XXXXHello, My name is XXXX XXXX . 
I am writing again to have a XXXX item reviewed and removed from my account. I complained previously about the particular account being the result of Identity Theft and yet this is still listed on my credit record. 
To date, this has been XXXX of the utmost frustrating and wild experienced I have ever been through. It has since caused my much stress, aggravation and sleepless nights. A police report was filed identifying the Theft and I have been advised that if this is not removed, I will have recourse to file a Suit for defamation and harassment against the XXXX and IQ data International. 

Please find attached the Theft report from the local police department. This entry should be permanently removed and blocked from any and all files containing my name and Social Security number ASAP. 


Thank you, XXXX XXXX
In XX/XX/XXXX Bank of America noted fraudulent activity on my credit card and replaced the card with a new one. When I received my XXXX statement I noted further fraudulent activity. After a short period of confusion I determined that six transactions were fraudulent. I talked to nine different staff at Bank of America over one month regarding these transactions. OnXX/XX/XXXX Bank of America issued me a letter indicating they were " unable to assist with the fraud claim '' on my account and I was liable for all charges. I did not make these charges and by law should not be liable for them. The six transactions are : XXXX XXXX XXXX ( date XX/XX/XXXX ) ref number XXXX {$130.00} XXXX XXXX XXXX (XX/XX/XXXX ) ref number XXXX {$38.00} XXXX XXXX XXXX (XX/XX/XXXX ) ref number XXXX {$6.00} XXXX XXXX XXXX ( XX/XX/XXXX ) ref number XXXX {$27.00} XXXX XXXX ( XX/XX/XXXX) ref number XXXX {$69.00} XXXX XXXX XXXX ( XX/XX/XXXX ) ref number XXXX {$68.00} These charges total {$340.00}. I have paid these charges but should receive a refund.
I never took a loan from XXXX and someone from ERC XXXX calls me numerous times a day. No debt validation letter was sent to me. They refuse to issue any address and accompanying documents. I have asked them to stop calling me but they persist.
I had applied for a loan of {$800.00} with Big Picture Loans on XXXX XXXX of 2017. I was given a astoundingly diffrent pay back amount. The amount was deposited into my account. Soon after I was informed that I would be paying XXXX a month for a year. This is over 200 % the money I had borrowed. It is criminal. I am XXXX and they know this. It is over a 1/3 of my income with a family to take care of. I have already played XXXX. I was misinformed from the beginning. I have called and been hung up on time and time again. I am in such disbelief. Please help!!!
As far back as XXXX XXXX I have experienced identity theft and after reporting a opening of an unknown account that was opened in my name in XXXX XXXX, I reported all incidents and attempted incidents to the police. 

In attempts to clear my credit I requested assistance to the CFPB and completed and forwarded XXXX fraud packet as requested to XXXX the original creditor as well as the police report and too date, I have had no response or communication from the original creditor or its collection agent and its still being reported by Trans Union credit bureau. 

My previous dispute was initiated because of this fraudulently opened account and i am a victim of identity theft. I wrote to the credit bureau about the collection company and disputed the debt reported by XXXX XXXX and its credit collection agent and and have had no response from Trans Union or any assistance in clearing this inaccurate information. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
Portfolio Recovery Associates , LLC has sent numerous mailings to me for an alleged credit card debt ( s ). Portfolio Recovery provided the following XXXX ( XXXX ) account numbers for these alleged debts : XXXX and XXXX Portfolio Recovery has admitted that the Statute of Limitations for these alleged debts has long-since expired. Portfolio Recovery has admitted it can not sue me for these alleged debts. Portfolio Recovery has admitted that the 7 year Federal Reporting period to credit reporting agencies has expired. 

Notwithstanding, Portfolio Recovery has repeatedly reported the XXXX alleged credit card debts to all XXXX major credit reporting agencies. 

Portfolio Recovery has no legal standing and no legal remedy to be contacting me for any reason. Portfolio Recovery has admitted against its own interest that the Statute of Limitations for the collection of this alleged debts has expired. 

Any and all communications to me from Portfolio Recovery amount to nothing more than the knowing, willful, intentional and repeated, illegal " harassment '' of me.
Regions mortgage changed by mortgage to over {$140.00} at the beginning of the year. This was supposed to be for a " cushion '' on the Escrow account. Additional to the monthly amount, they also assessed a " cushion fee '' of a few hundred dollars, which I was not allowed to pay in parts. Besides that, they had been changing me over {$330.00} per month on Private Mortgage Insurance ( PMI ). Earlier this year, when a law was passed so that FHA loans would pay far less Insurance Premium, I called Regions to get a " the law is too recent and we have not established changes to procedures/PMI '', while I was getting offers to reduce this from other mortgage brokers. I did not refinance because I did not have the money to do so, thanks to the undue burden placed on me by Regions. These unnecessary extra charges of almost {$500.00} forced me to sell my house as it was just too much of an expense. Now I am forced to live in a rented apartment. Also, since all these charges were just too much for me, I was late on payments and Regions assessed {$120.00} for late payments. It is incredible that anyone would think that charging that much would be conducive to catching up on payments. It seems Regions was eager for the loan to default. Perhaps they wanted to keep the property as it had appraised significantly. Furthermore, Regions has taken over 50 days to refund me the escrow account balance, due to several mistakes, sending the payment to my old address ( the house I sold ), despite my phone calls and letter mailed to them with my new address. I mailed such letter the same day the sell closing took place. 
Please investigate this mortgage company as I am sure there are plenty of mortgagee suffering because of this. Thank you.
OCWEN is violating the terms of their Consent Judgement in regards to my mortgage account. I am submitting this to you to have as record of my issues. I am seeking relief and requesting the Monitoring Committee established by the Judgement will take enforcement action against OCWEN and hold them accountable to the Judgement.
On XXXX XXXX, 2016 and XXXX XXXX, 2016 I filed a dispute for XXXX tax liens. I believe these public records to be filed in error. Equifax was supposed to investigate these items for accuracy and completeness. They report that they verified the items are reporting correctly. However, when I contacted the Ohio Department of Taxation and the XXXX office they both stated that they do not provide verification to the credit reporting agencies. Therefore, it is not possible that Equifax was able to obtain the legally required verification of the record reporting. Upon contacting Equifax, on two separate occasion on XXXX/XXXX/16 and XXXX/XXXX/16 via certified mail, requesting that they mail a description of their procedures, indicating the exact name and contact information for the person responsible for verifying the record they were unable to provide anything. The FCRA requires credit agencies to disclose the procedure for obtaining verification. This is a clear violation of the FCRA. The two tax liens for {$3900.00} ( reference Number XXXX ) and {$630.00} ( reference Number XXXX ) should be immediately deleted without further need for investigation. I am not initiating a dispute. That has been done already and Equifax did not follow the law. This is routinely done by them and the CFPB should act immediately to prevent Equifax from listing public records for which there is not possible way that they could have obtained the verification.
I have 2 federal loans and one private loan being serviced by AES. For over a years, I have been making more than the monthly minimum payment. I have asked AES by phone and in writing with each payment that it apply my payments first to interest and then extra amounts to paying down principal on each loan. Instead of doing this, it continues to apply my payments to future payments, such that my monthly payment amount is always zero dollars.
Midland Funding purchased an old XX/XX/XXXX XXXX credit card and had an incorrect address, threatened to suit and said they were attorneys when they were only collectors. There 's a judgement with no signature of mine or my husband and the law firm would n't talk to me because of the incorrect address Midland had.
On XX/XX/XXXX XXXX XXXX XXXX reported onto all of my credit bureaus in the amount of {$2600.00} as a derogatory account. I have no knowledge of this company and believe it to be fraudulent as I was part of the Equifax breach and had my information stolen. I have reported this to all three credit bureaus through dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX to no avail. I still have not received a single piece of paper from either XXXX or any of the credit bureaus about this issue. Are they in league on this or what exactly is going on here?? I demand that this issue is resolved immediately.
After I spoke with the representative and told her that I disputed the debt, she called my consulting colleague. She spoke to me on my cell so there was no need to call anyone else. 
The previous week I told Financial Management Services Representative that I had never received a written demand for payment or description of which loan this debt addressed. I received a written bill and told her on this call that I was disputing the debt.
I noticed a purchase made on my XXXX XXXX XXXX XXXX credit card due to receiving an email stating my order had been shipped. I logged into my XXXX 's account and found a charge for {$260.00} for a XXXX XXXX XXXX XXXX XXXX. The order was placed on XX/XX/ and shipped to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX, phone number XXXX. I contacted XXXX 's and spoke with 4 different representatives who kept transferring me around the Fraud department. I was eventually placed on hold and waited 17 minutes and no one returned on the line before I disconnected. I called back and was directed to the Fraud department again. They explained that they would cancel the shipment and that I would not be refunded until they had the item back in hand. I explained that this was not fair, I did not place the order, and felt as if I was being punished due to a fraudulent charge placed on my account. I asked to speak with a supervisor and was placed on hold again, I waited 10 minutes and eventually disconnected, again. I called back, and spoke with a representative in the Fraud department who closed my account and explained I would need to fill out paperwork that was going to be mailed to me. The due date for my minimum payment is due XX/XX/ and I do not feel that I should be responsible for paying on this fraudulent charge. XXXX XXXX has been nearly impossible to work with, I have spent countless hours on the phone/hold with their departments to have nothing resolved. The shipment to XXXX XXXX was never stopped and did get delivered to him on XX/XX/.
Hi sir/ Madam This is XXXX XXXX i booked tickets with XXXX Airline through XXXX Travel Agency right away they sent me an email which mentioned that your reservation is canceled then i was sure it is canceled. I booked tickets with different airline After two days my account was charged by them then i contacted them to refund my money back they did not and i contacted my bank too they did not give my money back. i have proof every thing they do not respond me positive.
XXXX this account has been on my credit report for seven years now and is suppose to come off i disputed the item with Experian and they refused to remove it and i also called XXXX and an was told the credit bureau have to remove this from my credit file the first date of delinquency was XXXX 2008 seven years to my acknowledgement and what is highlighted on the file i attached on my Experian report your account that my be consider negative that this information is generally removed seven years from initial missed payment that led to delinquency
I apply to refinance my home laon with this morgage company XXXX has a program called HARP. Harp program is for people that have mortgage problems or issues in XXXX. They talked to me about HARP I understood how it works I qualify for it under their guide lines this program helps people that is underwater owes more than the house is worth there are not financial denied when XXXX person help me and said everything was ok when he started to work in my loan he noticed that I owe {>= $1,000,000} he asked me if I have a second morgage. Told him tha the reason why my loan was so high is because bank of America screwed me up when he gave me a loan modifications and I had no choice but accept their new laon conditions or I was to be homeless they took advantage of my situation of desability no money and with my family they told me that this modifications was wrong and may be fraudulent becouse under HARP guide lines they where supposed to do this kind of work out. He told me i qualify for the program but because of the way this loan was done he could n't help me and that was one of the reasons why bank of America was sued I told him that if wad to denied my loan I want to describe the reason the real reason why he was going to denied it he said he would n't know how is going to be but it will be a denied letter under the guide lines of this program it would n't be any denial financial issues
I have XXXX account - I got the recommendation to apply for Chase Saphire card at there. Please refer to the attachment. Also I got one mail ( postal ) to apply for Chase Saphire card at there. That 's why I applied for it on XXXX XXXX, 2015. Come to know yesterday that it 's been declined. Worst than that-there is a hard inquiry on my credit report regarding this application. The reason given to me " Too many credit card accounts with us ''. Obviously Chase is paying XXXX to display these kind of advertisement and links to tempt the users to apply for that. More over why they are sending the mailers when they know that i will be denied for the card. Chase might say that situation changes over time etc ... but why to tempt the customer and XXXX up the credit report. It seems left hand does n't know what right hand is doing - their marketing team keep on sending mailers and advertisements just because economy is good without in consultation with card approval team.
I was sent to collections and received a letter about a past due amount with  XXXX   XXXX   XXXX   XXXX  out of  XXXX , IL. I sent proof to Collections Professionals that this debt was paid back in  XXXX  and was required to send them proof, which was faxed ov er. Collections Professionals, Inc (   XXXX  ) did nothing to verify that the debt was paid in full. I then received additional correspondence requesting the debt to be paid and had to call them a second time showing that the money was deposited from the insurance company into the Bank account of  XXXX . I believe it is a violation of  the Fair Debt and Collections Act no t to investigate and confirm the debt has been paid prior to repeatedly contacting me to pay the debt.
This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by XXXX, XXXX, XXXX, XXXX ( original creditor ) and JH Capital ( or JH Portfolio Debt Equities ; collection agency ). 
I currently have a {$6400.00} collection from JH Capital ( aka JH Portfolio Debt Equities ) illegally appearing on my credit reports. The Original Creditor of this account is XXXX. Upon reviewing my ENTIRE statement history from XXXX ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the XXXX tradeline does not appear in any of my credit reports. However, the JH Capital tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. I am writing to request that the credit bureaus ( XXXX, XXXX and XXXX ) immediately delete this tradeline. I am also writing to request XXXX ( as required by law ; and as the original creditor ) to instruct the credit unions and JH Capital to stop reporting this tradeline. I am also writing to require JH Capital to immediately stop reporting this tradeline.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX XXXX To whom it XXXX concern : In reviewing my credit report i discovered that my file fail to include information that i know is important to providing a complete portrait of me as a consumer. I request that you add the following information to my credit file. 

Last Reported : XX/XX/XXXX Creditor Name : XXXX Account Type : Credit Card Open Date : XX/XX/XXXX Limit : {$30000.00} Monthly Payment : {$300.00} Responsibility : Individual Balance : {$99.00} Highest Balance : {$99.00} Payment Status : Current Worst Payment Status : Current Amount Past Due : $ XXXX Times 30/60/90 Late : 0/0/0 Rent Reporters Acct # XXXX Last Reported : XX/XX/XXXX Creditor Name : Rent Reporter Account Type : Rent Open Date : XXXX/XXXX/XXXX Limit : {$3800.00} Monthly Payment : {$3800.00} Responsibility : Individual Balance : {$0.00} Highest Balance : {$0.00} Payment Status : Current Worst Payment Status : Current Amount Past Due : $ XXXX Times 30/60/90 Late : 0/0/0 If  you need additional information from me i can be reached at include phone number. Please inform me if there is a fee for this service. 

Sincerely XXXX XXXX
I have a joint checking account with someone else at Santander Bank. The other person on the account deposited what looked to be a " cashiers check '' for XXXX from XXXX XXXX. Once the check cleared my friend was instructed to wire money from XXXX to XXXX XXXX and keep the rest for secret shopping on XXXX. Within in a few days of the deposit and withdrawal the bank deemed the cashiers check fraudulent and the account is now negative. We have been told by the Fraud department that we are responsible to pay this back and are currently in collections with the bank. I spoke with their collections area and we have 55 days to get this paid back or the account will be closed and notice will go to XXXX XXXX and then to a 3rd party collection agency. By depositing this bogus check has not only created a very big minus balance but has credit reporting ramifications and not being able to open any new accounts if not paid off.
Today, I called Experian ( XX/XX/2018 ) at XXXX. This is the phone number on the credit report that I should call to dispute an inaccurate item. I need to dispute a mistake. 

The automated service answers the phone and asks for my social security number. I punch it in. Then I have 2 options : 1 ) fraud or 2 ) order a credit report. There is no option to dispute the items. 

So I researched the web and found other Experian phone numbers. I called XXXX and got the same system and responses. 

Finally, I decided to call the original number ( XXXX ). I did not enter my SSN. By not doing this, I was able to press 2 different numbers and dispute over the phone. But, as soon as I got through, I got a wait time of 13-15 minutes. This is too long. I have 3 bureaus to dispute and this is way too hard. Experian just wants me to use the web. However, my situation is complicated and the web form only allows limited number of words. I need to be able to talk with someone.