WillisBack/dataset-financial-user-claim huggingface dataset:
I received a debt collection letter from Portfolio Recovery Associates ( SEE 1 ) concerning a debt from XXXX XXXX XXXX. The letter was not mailed to my address, but used a relative 's mailing address. My debt to XXXX XXXX is from XXXX as shown on credit report from XXXX ( SEE 2 ). Also the XXXX date is evidenced by letter from XXXX XXXX XXXX ( SEE 3 ). The outdated XXXX XXXX debt from XXXX has been sold and resold over and over again to junk debt buyers from XXXX XXXX XXXX ( SEE 3 ), XXXX   XXXX XXXX ( SEE 4 ), and XXXX XXXX  ( SEE 5 ). 
In between debt sellers and buyers, my last name and account number was changed. 
My last name change can be attributed to changes on my credit report that the debt buyers had access to. 
The account number was first changed on the XXXX   XXXX XXXX letter and again on the XXXX XXXX letter. 
XXXX XXXX XXXX  did not issue a new credit card to me after the XXXX closing of the original account. That is not logical! If by some chance they did issue a new card, I did not receive it nor have made purchases ; hence, fraud is involved.
The amount of said debt is XXXX, however, several calls and formal letters were submitted back in XXXX, with no following letter and/or correspondences for the dispute. I have no other information, other than the information which is listed on my credit report. I have asked several times for proof of said debt or removal off credit report. National Credit Systems , Inc . XXXX XXXX XXXX XXXX, GA XXXX
I owed approximately {$730.00} to XXXX XXXX, {$4000.00} to XXXX XXXX XXXX and {$2200.00} to XXXX XXXX. The account ( s ) were closed, charged off and sold to XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. After I paid the account ( s ) in full I was told that the three mentioned companies would change the status on my credit reports to " Charged Off, paid in full '' after XXXX XXXX reported to XXXX XXXX, XXXX XXXX XXXX reported to XXXX XXXX and XXXX XXXX reported to XXXX XXXX the account ( s ) as paid in full to them. It has been over six months in one case and an approximate month on the others and no change has occurred.I have contacted XXXX XXXX, XXXX XXXX and XXXX XXXX and no action has been taken. I have disputed the accounts via the three credit bureaus ( XXXX, XXXX and XXXX ) and still nothing. Attached are the Paid in Full letter ( s )  for your review.
My complaint is against Bank of America. Due to my loss of job during the great recession we were working with them to refinance our home loan in 2009. While making our " new payment '' they were reporting it to the credit bureaus as NOT being paid and ruined my credit. While we did eventually refinance the loan they stuck me with {$17000.00} of unpaid back payments and my credit is damaged. I am current on all debt and all mortgage payments are up to date with NO late payments reported since Bank of America lied to us.
The following message/alert from Citi Cards has been showing on my online account homepage for several weeks : " We have reissued a new Citi ( R ) XXXX ( R ) with the same account number as your current card. A new card is being mailed and should arrive soon. This replacement card may have been requested by an authorized user ( s ) on the account or is a new card being issued to you by Citi. '' An authorized user did not make a request, so I knew the card was being issued to me by Citi. I did not now what for, but I assumed it was to replace my current card with an expiration of XXXX XXXX, 2015. Today, XXXX XXXX, 2015, I utilized online chat with customer service to find out where the card was and was told the card was issued on XXXX XXXX, 2015 and should have been mailed 7-10 days prior to this date. I was even more confused so I called ( by telephone ) Citi customer service to find out exactly when the reissued card was mailed. It worried me very much that the card had been lost or stolen if in fact it was mailed months ago. The representative told me the card was n't even mailed yet and since my card expiration date was n't even until the end of XXXX, that it would not be mailed for several more weeks ... which I was expecting anyhow since again my card was n't even near expiration. Citi needs to fix this apparent technical glitch that shows the " mailing message/alert '' online so it does not cause worry for customers wondering where their new/reissued cards are located.
I bought XXXX airline tickets using credit card .but after three days get emergency ca n't fly on the dates .so I call credit card and did disputes. 
After few days they send me letter in mail explain to me about dispute. 
That 's was give me XXXX credits for XXXX airplanes tickets and they will process the dispute. 
I call that credit card to let them known l do n't want to loss that money if you ca n't getting the money so I could Chang that date for the tickets with airline but credit card company told me it 's no proces and we credit your account and that 's finally, l said that letter do n't say she said discard that letter. Month later get changed on my statement for that XXXX tickets and send me a letter telling me we ca n't get your money back. So I call the credit card but their answer was we are very sorry
I tried to submit a payment via PayPal and I entered the email address incorrectly. When I contacted PayPal to attempt to correct the issue, they closed my claim saying that a money transfer between friends was not covered by their conditions. I understand that it is my fault for entering the wrong email address to send the money to but the company should be more helpful in rectifying the situation.
Capital One will not give me my credit refund. I have a nearly {$2000.00} credit balance, and they wo n't refund it. I have tried for several months. It is illegal to withhold my credit balance from me.
On XX/XX/2018 I filled a written dispute with ( NCC ) business services. Although the apartment complex refused to validate the debt, NCC refused to remove the debt after speaking to numerous rude managers and supervisors. I was denied an opportunity to file a complaint over the issue and told to file with FTC or whatever other complaint I needed to when I asserted the fair debt collection practices of the ( 30 ) day investigative period. In fact, the collectors argued their investigative practices included making a certain number of attempts, rather than a specific time frame or the one consistent with the fair debt collection practices. They claimed expertise by title but couldn't provide information regarding the proper dispute process, or my rights.
On XX/XX/XXXX, Wells Fargo Bank closed my personal credit card account without any notice. On XX/XX/XXXX, when I was looking at my online banking account, I noticed that my rewards were at XXXX ( I had a little over XXXX reward points ), and a brief memo was just below my credit card # stating that the account was closed and if I had any questions to call the number noted. I was in shock and furious! I called the # and spoke to XXXX from the executive offices. He said my account was at risk and therefore needed to be closed. He could not give me any further reason and he also said that they can close an account without any reason, but that I should be getting a letter in the mail.

Today, XXXX I received the letter. The letter states, " Wells Fargo regularly reviews its customer relationships in connection with its responsibilities to oversee and manage risk in its banking operations. After carefully reviewing the risk related to your account, we must advise you that your account is being closed immediately and no additional transactions will be permitted. This decision is final and can not be changed. Wells Fargo 's risk evaluation processes are proprietary and can not be shared ''.

I have had this card for about XXXX years, my FICO score with WF is XXXX, my credit card balance was {$430.00}, I have never been late on ANY payments and I always pay off my balance. I have over $ XXXX in their bank in a savings account. I have text and email alerts on all of my bank accounts with Wells Fargo.

On XX/XX/XXXX, I made an appointment with a Wells Fargo Banker at XXXX. She was on the phone for appropximately 45 minutes getting transferred to several people then finally ended up talking to the executive offices and they too told her that they couldnt give her any information on why my credit card account was closed. When I asked her to ask them that I wanted to see it in writing, that they can close a consumers credit card account at anytime for no reason they told her that it was in the brochure when I received my credit card. Really??????? Who keeps their little brochure with the fine print for XXXX years? That's absurd! I had a credit line of {$14000.00}. I'm also upset about losing all of my reward points! They can go ahead and close my credit card, but I want ALL of my points!

If they don't give me my reward points, then I will take all of my money out and put it into another bank. I have been a customer of theirs since XXXX.
Up until  XXXX   XXXX , I was paying down a balance on my AmEx card, plus paying the interest and my current charges. The month after, I noticed my balance going higher and higher. My interest rate also doubled and I am told it is because I am only paying a portion of my charges. This is untrue. Customer service refuses to help, and is even rude. I 've had my card since  XXXX  and never missed a payment. This happened 6 years ago and I thought it was straightened out. Now I really do believe they have 'creative and illegal bookkeeping practices.   Please look into this.   Thank you!
XXXX XXXX, XXXX representing Pinnacle Credit Servicices LLC has put a derogatory mark on my Credit Report. I had cancelled my service with XXXX over 7 years ago and they are saying that I owe them evidence to support my dispute on my Credit Report. I sent a letter to XXXX 7 years ago diputing the alleged amount they were stating that I owed. I called XXXX and cancelled my account with them, and told them to turn the phone off because it had been stolen. The thief somehow got the phone re-activated and was using it without my knowledge. I refused to pay the amount owing because I had disconnected my service when the phone had gotten stolen. Pinnacle is asking for substantiating evidence, including a police report ect, a notorized affidavit or a filed court order, and they need that within 5 days. This was a debt from over 7 years ago! They put this on my credit report after the statue of limitations, like it was a new debt! This needs to be taken off NOW! It is effecting the amount of my Car insurance and may effect me getting a loan in the future. At the bottom of the letter it states that " This is a communication from a Debt collector. " " This is an attempt to collect a debt and any information will be used for that purpose '' I had told XXXX not to contact me about this debt, now they are doing it under a collection agency.
I filed a chapter XXXX bankruptcy a stay was put in place Chase was informed of the BK and stated they did n't do anything special for BK and did n't have a department. They are still took all of my check for fees and over drafts and still continue to collected from those fees I tried to dispute the charges and they told me I was to late but I had been reaching out trying to get this care for and no one could help I went in the branch and everyone was clueless and I am out of XXXX in fees and charges that they would n't allow me to dipute I had be calling they would allow me to close the account becaue it was overdrawn I have 2 accounts with them my name is XXXX XXXX my address is XXXX XXXX XXXX XXXX . 
XXXX, AZ XXXX
The number XXXX continually calls me, my parents, and my work asking for me. I do not owe the amount of debt they say I do and call multiple times per day. A " XXXX XXXX '' is the caller.
I was contacted by XXXX XXXX on XXXX/XXXX/2015 inreguards to payday loan. man told me I had XXXX options to pay debt back. due to me unable to pay settlement on that date. I set up arrangement for XXXX payments of {$270.00}. I contact company today XXXX to see if I could be offered a settlement. after speaking with XXXX ( direct supervisor ) I was belittled and he then slammed phone on me. I called back and spoke with a XXXX XXXX who infmd me I am unable to do the settlement of {$320.00} that was offered to me before. I called again to get company information and was hung up on. I contacted again to get payments removed and man refused and hung up on me. 


I have already filed complaint on XXXX, and will be contacting a consumer rights attorney for FDCPA violations as well
I found out on XXXX 2015 that I was a victim of identity theft. Upon further investigations on my own, I came to realize that this " entity '' that had stolen my identity apparently used a suffix in my name, " XXXX ''. I of course have notified all three reporting agencies and Equifax is still yet to permanently update this information and block the " XXXX '' from reporting to my credit report. My legal name is XXXX XXXX XXXX. I have on ( XXXX ) occasions uploaded the following to support my legal identity : US Passport, current Drivers License, Social Security card and certified copy of birth certificate. As of today, they still claim that this request is still processing after almost 9 months of my disputing. Please note that both XXXX and XXXX are accurately reporting my legal name. Whereas, Equifax has yet to do so. Because of this, I am unable to verify my identity with anyone to establish credit whether with utility companies or any other type of potential credit. At this juncture, this is very harmful to my life.
On XXXX XXXX XXXX I received a collection request letter from ERC for a supposed past due bill of {$69.00} from XXXX. The past due bill was for a final payment from when I moved in the XXXX of XXXX. The final payment had n't been automatically taken out after I moved and set up a new account. When I was informed about it in XXXX XXXX I called the billing department at XXXX on XXXX XXXX and arranged for the payment to be debited from my XXXX  XXXX XXXX checking account. I was then given a confirmation number that I was told proved I paid the remaining bill. I did n't hear anything from XXXX about the account until I got the collections letter on the date previously mentioned. 

I contacted a XXXX agent over the phone to try and resolve the issue. I was told that I would have to go to my local XXXX office to resolve the issue. On XXXX/XXXX/XXXX I went into the office. I gave them the confirmation number. I was told that their computer said that I did n't pay the bill in XXXX of XXXX despite that I had a confirmation number from XXXX of XXXX that was to prove that I paid the amount. I asked them how I could prove that I had paid the remaining balance in XXXX of XXXX other than using the confirmation number I had been given. I was told that was n't enough proof and I would have to get a statement from my bank. 
I went to my bank and asked for proof of the transaction. My bank gave me a printout of the transactions that showed that on XXXX XXXX XXXX {$69.00} was debited from my account to XXXX. 
I brought the statement back to the XXXX office to show them. After scanning the statement I was told that the agent there could n't do anything and the issue was being sent to billing and that a ticket was being created about the issue and I would receive a call in 2 to 3 days. After 7 days I had yet to hear from anyone at XXXX. I called them. At first I was directed to call the collections company and take it up with them. The agent gave me contact info for a completely different collections agency. I contacted them and they had never heard of my account. I then called the collections agency, ERC, that I got the letter from. I was told that they had not heard from XXXX and the account was still open. 
I called XXXX back and was connected with a senior representative. She told me that the ticket had been closed on the same day it was made and that the agent noted that there was not enough proof that I had paid the bill. I asked her what more proof I could give to prove that I had paid the bill. She said that there was no way I can prove it and that there was nothing else XXXX would do and I would just have to pay the collection agency. 
I am very distressed by this. The confirmation number and a statement from my bank were not enough proof. How is anyone safe from constant continues billing. If there is anything you can do to help me with this issue I would greatly appreciate it.
One Main Financial is reporting with XXXX that I was 30 days past due. The same month they reported to XXXX that I was paying as agreed. I was not paying this account and did not pay this account late in the month that they said. I have statements showing that there was no past due amount. Also, they kept saying that I had other fees that never showed up on my statement. I keep paying on the account but did not know what I was paying for. They finally waived the NSF fees that stated that I owed, but at the same time, they reported that I was 30 days past due. This is wrong and a violation of the Fair Credit Reporting Act.
Selene Finance foreclosed on my home XXXX and did n't try to assist me with a loan modification. I put that behind me and moved on with my life. I received a response to my loan modification dated XXXX stating that my deed in lieu was denied because of excessive liens? I found this to be anothe slap in my face because not only did Selene Finance fail to respond to my many requests for a loan modication, they made every effort to expedite the foreclosure ... they now send a response with an enclosure acknowledging a address change XXXX/XXXX/XXXX ... so they made the effort to note that I was not at the property address ; which clearly should have nullified any effort to contact me. Explain to me how one lien was excessive. there should have been only one lien on the property from the hoa ... all other liens belonged to XXXX XXXX who was no longer on the deed at the time the property foreclosed. He was removed from the deed 3 years prior to the foreclosure. Selene Finance knew that XXXX XXXX was no longer associated with property ... so
On XX/XX/XXXX I made a mobile deposit through the Chase app at XXXX Pacific Time. Chase states that XXXX Pacific time is the cutoff for deposits to be available the next day. Therefore funds would not be available for two days, until XX/XX/XXXX. My complaint is that if they consider anything after XXXX Pacific the start of the following day, this random time should similarly be the cutoff after which pending funds should be credited. But it's not. Because they held my money for literally two days I was then charged an insufficient funds fee of {$34.00} in another account.
I have a reverse mortgage im the surviving spouse of my husband I submitted all documents requested by XXXX XXXX the lean processor gave me dates and mislead me I turned in all my papers she mailed me notice saying I qualify for surviving spouse support program with HUD now she is sending me foreclosure papers saying I do not qualify because papers were submitted outside of dated I did everything she told me within the time she gave to now receive certified letter i'm in foreclosure. XXXX XXXX XXXX
I have now left 2 messages on the legal resolution team at Pressler and Pressler after receiving a second letter from their offices. I spoke to someone this afternoon and the amount I " owe '' has increased from the {$820.00} ( amount which was repeated several times throughout our communication as well as the number presented as part of evidence in their notice of motion paperwork. I would like to understand how the sum owed has substantially increased as of this afternoon to well over {$1000.00}.
I have been getting recorded calls from a collection agency telling me to get in touch with a different number to settle a debt. I have called them multiple times stating that the person they are looking for is not longer the owner of this phone number and I have been told that they will remove it from their list. However, after many months they keep on calling at least twice a day and now I do not know what else I can do.
On/about XXXX XXXX 2016 I applied for a Discover it credit card on XXXX. On XXXX XXXX I got an email confirming that I was approved for the Discover it card and that {$50.00} gift card was loaded to my XXXX account as part of my approved card, which would be mailed to me. Around that time I also checked my credit reports on creditkarma and found that my XXXX credit score was excellent. XXXX scored slightly lower and " good. '' By XXXX XXXX I still had not received the credit card from Discover and I became concerned. I called Discover at XXXX and told them about it. They said they would close my account ending in XXXX and issue me a new Discover it card with a different account number and it would be mailed to me in 3-7 days. They confirmed that they do have my correct address. I asked what the last XXXX numbers of the new credit card would be and customer service said they ca n't tell me. 
I called Discover the next day and asked if they would -- per the Discover it card terms on XXXX -- send the replacement card by overnight shipping. Customer service put me on hold a few minutes then came back and said yes the card would be sent overnight shipping. So I 'm not sure what " overnight '' means in Discover land but it 's been longer than overnight in my world. 
My complaints are XXXX : Why is this credit card mailing being delayed? I noticed that the " approved '' Discover it card has been deleted from my list of credit cards on my XXXX account. And no further notice of approval has appeared on either my amazon or been sent to me by email. I 'm sensing an element of deception here. 
XXXX. My credit scores as of today have dropped XXXX points and XXXX points respectively for XXXX and XXXX. The only recent change in my activity has been my application and approval for the Discover it card that never arrived.
I purchased a TV online with XXXX XXXX which I never received. The TV was supposed to be a legitimate XXXX TV. The first charge was supposed to be for a XXXX XXXX for {$2000.00}. Then after speaking with them it was switched to XXXX XXXX for {$3000.00} on their advice. Yet I was charged {$3200.00}. Bank of America refunded {$2500.00} but bank let the merchant keep {$720.00}. {$400.00} for shipping back and forth. And a 10 % restocking fee. 

Note : no tracking number was provided. I attempted to cancel the order once I knew it was a scam by saying that I found the TV somewhere else cheaper. I just wanted to be done with this company completely. The TV is not a legitimate XXXX TV.
XXXX does n't even authorize XXXX to resell their TVs. They also go by many different names as XXXX XXXX XXXX 's XXXX, XXXX XXXX XXXX. 

BOA did n't ask me for any of my documentation and XXXX only sent in documents to help their side but did n't send in all the corespondence. Bank in this case did not do their due diligence in seeing what a scam XXXX is. Please, help me to resolve this matter swiftly to protect myself other consumers from these unethical practices by this unscrupulous company. I appreciate your help in this matter. 

Thank You! 
Cordially, XXXX XXXX
I am applying for a consumer ( home equity loan ) and my lender is unable to obtain my credit report or scores. I have tried to remove any " freeze '' on my credit reports but the reporting agencies reflect I do not have a " freeze '' in place. 
PROBLEM : I can not remove a freeze nor can the lender access my credit report. 
I have made the loan application and have three days to resolve the access issues.