WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, A near XXXX experience occurred during XXXX  XXXX. 
This caused for a 5 month delay in returning to work. 
As I returned to work my pay had been reduced due to a shift change. 
I became behind on my mortgage I formerly applied for mortgage assistance and none of the various servicers who bought my loan would reply. 
I left the home and thought the home was foreclosed. 

Last year I began to receive information from a company called Penny Mac. Turns out the home is not foreclosed after 5 years of non payment. I am in a better place financially and would like to keep my home. In XXXX XXXX, I began to inquire about mortgage assistance. I was told the only way for assistance is if the home was occupied again. 
I paid $ XXXX to restore electricity, clean up home from XXXX, break ins, etc. I communicated with Penny Mac that we are reclaiming possession in hopes of a loan workout. NO FORECLOSURE DATE was scheduled. Due to the City of XXXX XXXX XXXX and Architects it took XXXX weeks to gain clearance for electricity Turn On. 
I alert XXXX we are back in home and ready to start loan mod process XXXX advises the home is scheduled for foreclosure XXXX/XXXX/XXXX. 
I immediately follow instructions from XXXX  representative XXXX and sent in package complete with all items as directed XXXX and XXXX website checklist. I was advised that the foreclosure would be postponed once the package was received and a Special Point of Contact was assigned. 
Last Friday XXXX p.m. XXXX, I was contacted by XXXX XXXX XXXX by phone advising Me that I should give Proof of Hardship within XXXX hours ( request by Investor ) That would mean gain medical records or something from XXXX yrs back over a weekend. 

XXXX XXXX and XXXX advised me to contact CFPB in hopes of making sure that I am treated fairly. I am attempting to repay this debt and keep My Home. 
I am told I am eligible for XXXX XXXX Funds IF the Foreclosure is postponed to give time for application process. I am told I should have been given a Forbearance of payments. 

Bottomline, I ask for assistance for a postponement of foreclosure sale. I have followed the instructions of XXXX, take back possession XXXX $ XXXX invested ), apply for loan mod, and respond promptly. 

Please assist Me in this matter
I am being constantly harassed and receiving bills for return of equipment that was returned. I have called and called and I get the same result. I am sick of being harassed.
I have been trying to link my account to several apps and or banks to have full control over my financial situation. XXXX, XXXX ( XXXX XXXX ), XXXX, My bank at XXXX, all offer online account access via online banking and can link accounts with your login, as long as TD allows the 3rd party access. I have contacted TD about this issue 4 separate times, 3 times calling them, and once in person. Every time they assure me that they allow 3rd party account access and recommend using one of their " approved apps ''. I want and have the right to be able to access my financial data.
US B ank closed my account ending in  XXXX  ( which was changed to card ending in  XXXX  ) when I filed a chargeback they didnt agree with.   My interest rate was close to 14 %.   Since they closed the account they arbitrarily changed the interest rate to over 20 %. Please see the statement.   While they can close the account, they certainly cant change the interest. This is fraud and I want the excess interest refunded to this closed account.   I have been making a very good faith effort to resolve all accounts in full even thought we disagreed about the amount. However i will not stand for manipulation of the interest rate without my consent.   They closed the account. It must be at the 14 % rate
The company Certegy did NOT contact me in any way about a problem with a check. They immediately turned it over to a collection agency. The money was in the bank for the check. It was a cashier error. The cashier had a problem pushing my check through the machine so he wrote void on my check, entered my information in the register & had me sign electronically. This was on XX/XX/XXXX. This was on a checking account I share with my mother. On XX/XX/XXXX I had a personal check denied at another store. When I called about it I was told I had a " returned check ". This was the check I wrote on the account I share with my mother. 
What caused the problem is this : the cashier entered my check number where my account number belongs & the account number where the check number belongs, therefore it did not recognize my account. 
IF I had been notified this could have been cleared up faster. I feel my credit and my mothers credit has been damaged by this going directly to a collection agency. 
Is this legal? Don't they have to notify people first? 
On XX/XX/XXXX I authorized XXXX  to withdraw the money to pay the check but as of XX/XX/XXXXthere was still a CLAIM showing. This is not right. 
Please help me.
My mortgage company keeps showing a large outstanding balance online and in statements which is not due. Customer services keeps saying it is a glitch in their system and to ignore it. At this point I dont trust what I owe them and I want a full accounting of what I have paid to made sure it was applied properly. I want a full history for two years because this has been going on that long. I was behind and I think they are taking advantage of that.
I recently received a copy of my XXXX and XXXX credit report. My credit has been compromised in which I had a fraudulent account opened under my name and credit has been compromised. The credit report shows a XXXX credit inquiry by your company of which I did n't authorize. I have disputed multiple times and it is not being removed, according to the credit bureaus it keeps getting verified. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to find a rental apartment. I have applied to numerous apartments and credit and due to the credit inquiries keep getting denied. If I ca n't get an apartment due to this I would be homeless with my XXXX year old daughter. They keep saying I applied however I had my identity comprised in which I had a fraudulent XXXX account under my name which was verified and deleted.
Debts were incurred to XXXX around 15 years ago. The total claimed is around {$41000.00}. The debt has never been affirmed or refreshed. To the best of my knowledge, no judgment was ever obtained. Even to the extent that it had, then it would have expired long ago. However, the company ( XXXX. ) is now attempting to collect this debt.
I have been having issues with first investors since XXXX. I have disputed this account several times and even reached out to first investors in an effort to settle the debt, but no agreeable arrangement could be made, and any help in this matter would be greatly appreciated. I had an auto loan with first investors since XXXX, and I have paid faithfully until XXXX. In XXXX I began to notice that my account balances to raise instead of dropping and other inflated charges began to appear. I called to inquire about account balance and was consistently met with hostility. with no other option available in XXXX refused to make any further payments until an audit of my account was completed. first investors finally repossessing the vehicle mid XXXX and selling it. I started disputing the information reported to the credit bureaus immediately. with every dispute The debt came back as valid. upon hearing about the lawsuit XXXX lawsuit between the CFPB and First investors, I reached out to FIFS in an attempt to settle my account but FIFS would not respond. This issue has been a major issue impacting my credit since XXXX and I believe I have made every every attempt to resolve this issue. Any help with this issue will be greatly appreciated. 


I have attached the most recent copy of the information reported to experian. showing over 4 years of on time payments at {$510.00} with over ( {$30000.00} ) invested in the vehicle.
Received a call from Citibank regarding a Citibusiness credit card. XXXX payment was not made 10 days ago. I checked and I never received a statement. I asked them to verify where the statement was mailed. The address they gave me was from 3 1/2 years ago. I have been receiving all my statements at my current address prior to this. I authorized payment for the amount they needed to keep my payments current, now I am in the process of disputing the late fee and extra interest they charged me as well as trying to get a copy of the statement I never received. This is such a bad practice especially when it seems to be done a XXXX end for most businesses and there is no logical reason that my address would be changed back to XXXX I lived at 3 1/2 years ago.
I started a banking relationship with Chase bank, I made a couple purchases on the card and paid back account in full. My accounts were closed within the first couple months. The reason I made such large purchases was to meet the spending bonus that they offered within the first three months. I opened separate business accounts for my business and never even made a purchase before the accounts were closed. I feel that this decision was unfair and unjust. Please open my accounts asap. I have perfect payment history on all my credit. The last four numbers of the accounts are listed below. 

Thank you, XXXX XXXX Chase Account numbers : XXXX XXXX XXXX
On XXXX XXXX 2016 I was sent a permanent loan modification agreement from Nationstar mortgage. I signed and sent back these papers on XXXX XXXX, 2016 via certified mail back to Nationstar Mortgage. I made numerous payments, both the trial payments and afterwards. In XXXX they returned my payment and threw me off the loan modification because they say they never received the paperwork. This is incorrect. The paperwork was sent certified mail back to them. I am not going to start over again, because I have made the trial payments, I will lose my interest rate. I want my modification honored. It is their fault that somebody lost the paperwork, NOT MINE. I sent it to them.
OnXX/XX/XXXX/2017, AND XX/XX/XXXX/2017 ; I submitted an complaint regarding XXXX XXXX XXXX. This company has not been following any of the following laws, FCRA, OR FDCPA. I disputed this debt on XX/XX/XXXX/2015 with XXXX Dispute # XXXX and this debt was agreed to be removed and deleted from my credit file XX/XX/XXXX/2015, they only remove the debt from XXXX reporting bureau, but have disagree to remove and delete this debt from from XXXX, and XXXX Credit file. They just recently report my account on XX/XX/XXXX/2018 as open charge off. I have called to this company to provide me with the original contract from the original creditors, they have refused to do so without me obtaining an legal Attorney. This is a voilation of my right.
Since XX/XX/2018 I have submitted multiple disputes regarding XXXX XXXX XXXX. I do not owe this account and it is consistently being reported as inaccurate which is a violation of my rights and the Fair Credit Reporting act.
I dont have dates but many companies are running my credit without my permission and adding a lot of inquiries on my account and is messing up my credit
I worked with US Bank to secure financing for a condo XXXX. I worked with XXXX XXXX at US Bank to get information on my loan. Initially, I was informed that I had sufficient information. Once I started working with Loan Processor XXXX XXXX XXXX, it all went down hill. Due to US Banks extremely high closing costs, I reached out to XXXX to update the amount of my down payment, so I could free up cash for closing cost. XXXX informed me this was ok. Feel confident and getting reassurance from US Bank , I proceeded with the loan. However, things started feeling odd. For example, XXXX was persistent that I pay for an appraisal BEFORE their 'internal ' condo approval board even said that the place was ok to extend lending. I was able to catch this and refused, saying we needed to wait for US Bank to approve the condo 's XXXX financials. XXXX was extremely pushy and said that we would not make the closing date if I did not pay for the appraisal. I said that was fine and worked with the sellers. 

At this point, XXXX informs me that they need to run my credit again under my married name. So they do a hard hit not once, but twice because she could not do her job right to begin with. 

What is the worst part is that after I had written confirmation from XXXX that $ XXXX down payment would be fine for the loan, US Bank called to request that I pay an application fee. After I paid the {$390.00} application fee, US Bank informed me that I needed to come up with $ XXXX more for closing. At this point I am completely dumbfounded. Not only do I never get complete answers from US Bank, they systematically lied to me throughout the entire process. If I would not have caught the appraisal that XXXX XXXX was pushing on me, I would be out close to {$900.00}. Instead, I am out {$390.00} that was charged to my US Bank credit card ( so much for loyalty, right!? ) Needless to say, I was I have loan approval through another lender and I am closing on my place on XXXX, with a lower interest rate. I was able to easily secure financing without the incompetence of XXXX XXXX and the rest of the people at US Bank. It was complete night and day between my new lender and US Bank as far as keeping me informed and making sure I understood the process and what I was paying for. US Bank made it clear that they just wanted my money-so enjoy the {$390.00} application fee you should have never accepted US Bank. Needless to say, I will be closing all my accounts soon.
Trans union is charging me XXXX dollar every month buy their services are do weak Over the phone. They do n't protect the members customer service which is in XXXX doest know what is credit score is or how they can assists me. Previously deleted items after investigation that they does belong to me were inserted after several months latter. They have mislead me and became bias which is FCRA violation.
1 ) Acting as a 3rd party collector not bonded and licensed to do so in the State of Tennessee. See Exhibit 1 2 ) Car Was a voluntary repo in Colorado XX/XX/XXXX and UCC Code 9-506,9-611,9-612, 9-613 all violated as they intentionally sent the letter notice to sell to an address that terminated in XX/XX/XXXX so we had no chance to rectify the situation. See Exhibit 2 Then they sent distribution letters back to the correct address. Exhibit 3 3 ) The letter was written by me notifying them of UCC code violations. Exhibit 4 4 ) Exhibit 5 Letter from the full of false dates of purchase and from wrong companies. 5 )  Exhibit 6 Standards and poor documentation stating that XXXX XXXX will function separately after the merger backing up the fact that XXXX is functioning as a 3rd party collector and unlicensed to collect in this state. 6 ) exhibit 7 shows a statement pay off letter dated on XX/XX/XXXX for XXXX showing total amount due. yet credit reports show in default over 13k
I have reached out to experian on several different occassions. Disputed the same information at least 3 times. Then they continued to send me a letter that states they refuse to investigate. I called and disputed the information again and they investigated. They told me that they contact the furnisher of the item on the credit report and asked them that if the items are true. I sent a letter asking if they can furnish the contracts that states that this debt is true and they stated that they dont review those items. That is a clear violation of the FCRA. Lastly, they are showing items on my credit report as open, when indeed they are closed. These items are from XXXX XXXX. They intentionally increase and decrease the balances within the month to make it appears as if I agreed to make payment on the account. I have explained this to Experian and they still refused to report it accurately. These accounts should be reported as closed. I will be seeking damages against the collector and experian.
I have called back in XXXX in the month of XXXX, XXXX I was advised to call the owner and I have called and sent certified letters and as of today 's date no response to any calls and or letters. I mailed the last certified letter back in XXXX XXXX 2017 and no response to anything.
MoneyGram, a money transfer company failed to protect me against fraud transactions. I was contacted by someone claiming to be from the IRS today stating that I owe back taxes and if I do not pay immediately, I will be arrested and detained for 72 hours. The caller was threatening to have me arrested if I do not pay within 40-45 minutes. As such, I made XXXX transactions to names in XXXX, IL through MoneyGram totaling {$5900.00}. I began to realize that this was a scam as I suspected that multiple transfers needed to be made. I called MoneyGram to stop the transactions but they could not refund me the 4 payments since it was already received. They did not have a process where they could have checked the background of the recipient or other preventive measures to avoid consumer fraud. I have complained to MoneyGram but they tell me they can not do anything about it. I am very upset, feel cheated, robbed and scammed. And I believe that MoneyGram is negligent and irresponsible by failing to protect the consumer. Please help!
I had an accident XX/XX/2014. The car was totaled. I contacted Chrysler Capital to find out how to handle the balance left over. I was told that there was n't anything due at the time. I tried several times to take care of this. I kept getting the same response. I moved in XX/XX/XXXX. Months went by and I did n't hear anything. Then I went to buy another car and the Chrysler account is reporting inaccurate information. I sent a letter to see if I could get this straightened out, but have n't received a response. I will pay the money I owe ( minus late fees ), but I would like the reporting to be cleared up. If I was given a total when the claim was completed, I would have paid it then.
On XX/XX/XXXX at approximately XXXX I visited a Harley Davidson event in XXXX XXXX Florida and I was not looking to buy a bike. I was there for the event and I told the salesman I was not looking to buy a bike and I was only there for the food and drinks. He continued to try and convince me to ride a motorcycle and I said no. I have been drinking I am only here for the event he would not let up continued to than tell me about a .09 % interest rate telling me I could qualify for a buy back on my bike and could save a lot of money to trade in my bike. I finally said okay if I can save money sure ill check it out. He Then proceeded to fill out a credit application and asked me for my licence and told me to sign it. I told him I am currently in the middle of a home refinance and I said never mind i do not want to risk it. He than convinced me that it would not effect my home loan and that it was only a soft pull. " I have a text message from the salesman stating it was only a soft pull ''. The salesman than handed me a beer told me to relax. After the application was filled out they than tried to get me to sign another form stating they would not pull my credit unless I agreed to buy the bike. That's when I said no I am done do not pull my credit and I am not signing this and I left. realizing an hour later they kept my licence and when I returned for my licence the salesman greeted me outside and handed it to me.The next day I got a notification that Harley did a hard pull on my credit. I than texted the salesman and asked if they pulled my credit he said yes we did a soft pull. I than asked why they pulled my credit after they said they wouldn't and we decided no on the deal. he said you signed the paper. They did not have my permission to pull my credit and they did it anyway and they did a hard pull I believe because they where angry with me that i was not intoxicated enough to do what they wanted. I also believe the credit was pulled after I left the building. I believe they hold these events with alcohol in order to coerce people into buying a bike.
I have recently received three letters informing me that my personal information and credit card accounts have been subject to data compromise. The letters included information on how to perform a freeze on my credit accounts. When contacting these companies and requesting a freeze, one waived the fee while the others told me that because of which state I live in, they are required by law to charge a fee for the freeze. I do n't understand how one company can waive the fee with no problem while the others are " bound by your state law ''. Again, I have done nothing to cause this problem. I was notified by several of the businesses I hold accounts with that I should take action. It seems that these credit reporting agencies have a monopoly on my personal information and I have no control unless I am willing to pay an extortion for them to act on my behalf. Is this legal?
I have had 2 accounts that have been reported to my credit report since approximately XX/XX/XXXX by portfolio recovery associates. I had never received any communication from them what so ever until I had applied for credit and got declined stating that I had a derogatory item listed on my credit report. When I pulled my credit report I had not one but 2 accounts listed from them showing an open date of XX/XX/XXXX but a first  reported date of XX/XX/XXXX I immediately disputed both items in which they both came back verified. I had disputed them again with the same outcome. 

Further review of my credit reports is showing that the terms of these 2 accounts is listed as 1month terms. According to the following from the FDCPA : FDCPA 807 ( 2 ) ( a ) : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt I do NOT have any terms with this company on either one of these accounts.

This is one example of a violation that Portfolio is reporting on both of these accounts and with all 3 credit reporting agencys.

Another one is regarding Portfolio NOT reporting the date of first delinquency. Citing the FCRA 623 ( a ) ( 5 ) : Duty to Provide Notice of Delinquency of Accounts ( A ) In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

Clearly we are way past the required 90 days as this account has been reported to my credit report since approximately XX/XX/XXXX. As of now, both of these accounts do not have the date of first delinquency on my credit reports.
Portfolio Recovery is harassing my family. The calls are constant. They call my XXXX year old mother who happens to have the same name as mine. They have even called in Sundays. My mother is sickly and it is horrible. I do not know how they got her phone number. Her number is XXXX XXXX XXXX. Now they are harassing my son who does not live with me. Hid phone number is XXXX XXXX XXXX. The number they called from is XXXX XXXX XXXX. I believe this has to do with XXXX XXXX when I lost my job. I was late on my payment. I finally made the full payment to XXXX XXXX and I believe it was {$400.00}. XXXX XXXX took the payment and after it was paid I was told by the representative that my debt had gone to a collections bureau the day before. One day before. It was paid with my XXXX account and this was about 5-6 years ago. I refuse to pay for a debt that I already paid for. Also, I do not want anyone harassing my mother or my son or anyone else including my employer. The calls are nonstop and from different phone numbers