WillisBack/dataset-financial-user-claim huggingface dataset:
A medical bill went to XXXX party bill collectors. I 've made payment arrangements to take care of the bill, making $ XXXX payments until debt is paid. I began payments XXXX XXXX. I have not missed a payment since XXXX. But I get phone calls from the XXXX party bill collectors several times a week to " remind me to pay ''. I 've asked them to stop calling, but they never stop. Every phone call they are very rude, and when I 'm rude back, they say I 'm being uncooperative. They 've received my payments every month without fail, but will not stop the harrassing calls.
Pressler and Pressler have harassed, threatened me for a fraudulent debt they purchased from XXXX XXXX since XXXX XXXX. I requested a copy of the signed contract with XXXX, an itemized " bill '' and proof that I opened a credit card, they refused. The judgement expired on XXXX and Pressler and Pressler ( XXXX XXXX ) filed a Writ of Revival on XXXX which is past the XXXX and the Fair Debt Collection Practices Act. Due to similar proven illegal actions, Pressler and Pressler have recently been fined {$1.00} XXXX for these illegal activities. On XXXX XXXX, 2016, XXXX XXXX created a new docket number and filed my social security number at the XXXX County courthouse. XXXX & XXXX never withdrew their " entry of appearance ''. On XXXX XXXX XXXX sent a request for interrogatories, which I responded in to the attached letter. If a debt is n't paid within 180 days, it 's written off. Pressler and Pressler personally buy these debts, get away with these illegal action because XXXX XXXX sits on different boards, has family members/friends working in the NJ court house. XXXX XXXX has been noted in a recent XXXX Case and has been warned to stop threatening and harassing, " The U.S. Consumer Financial Protection Bureau has fined a New Jersey law firm and the debt collection company it worked with and ordered them to stop filing abusive debt-collection lawsuits. '' This is a violation of the Fair Debt Collection Practices Act. They are attempting to sue me for a debt I did not sign for, the debt is too old to be sued on and are attempting to seize property. I have attached all documents, including a letter to XXXX XXXX.
I have paid my bills on time and have a good relationship with my creditors. However, my new CITGO Rewards Credit Card issued by Synchrony Bank lowered my available credit from {$500.00} credit limit to {$80.00} credit limit with little or no warning. I learned of this only by logging on to my CITGO account to make a payment. I received no letter informing me of a potential problem with my CITGO credit. A reduction of my available credit, nearly 90 % of my good credit, has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit account.
I opened an account at a local Bank of America in XX/XX/XXXX. I began asking for an ATM card once the 30 day temp card was expired. I placed 3 request for a card over the course of a month and never received a card. On XX/XX/XXXX I sent another email to my bank representative XXXX explaining that I was leaving the country and needed access to my funds. She reported she would send me a card express. The card never came before I left and i sent her an email stating this. Once I reached XXXX, I received a text message from the Bank of America saying there was an attempt to use my bank card at a XXXX XXXX on the XX/XX/XXXX and I immediately replied NO as the text requested if I was not the individual making these transactions. I also called the bank at XXXX and told them to I was in XXXX and this was in no way me. The representative asked if I wanted another card sent to me and I asked that he stuff the account down and I would handle it when I returned to the country. Upon returning home I immediately went to the bank. I was told to file a claim I told them I did that with the first representative on XX/XX/XXXX. They had no record so I filed another claim. I then returned home and opened my mail. There was a letter in the mail from the US Department saying I had been a victim of a crime and three individuals were caught with my information. I immediately went back to the bank and offered XXXX a copy of the document from the government. The bank told me I would have resolution in 10-15 days ( XX/XX/XXXX ). This day came and I was not given my funds back ; I was given another resolution day of XX/XX/XXXX. I went to the bank again today XX/XX/XXXX and I was told I would get resolution in another 30 days. This is unacceptable behavior from this institution as I have done everything they have asked of me and yet my funds have not been returned and this is going on a 3 month episode.
Rent Recovery Solutions continues to report to all XXXX credit bureaus that I have an outstanding balance of {$1700.00} owed to XXXX XXXX of XXXX. However, I settle this account with XXXX XXXX ' attorney XX/XX/XXXX. I have made repeated requests to XXXX XXXX XXXX to properly update my credit report, but they refuse to do so and continue to ask me to pay them money I no longer owe.
The statements don't make any sense. It gives balance subject to interest rate and then promotional balance and those and nothing else equal the total balance. Also, I thought it was a federal law that payments had to be applied to the highest interest rate first. They are applying my payments to the promotional balance 0 % first. Also, if you look at my statements from one month to the next, the balances don't make any sense.
As a small business I went to my bank ; Wells Fargo to obtain a credit card machine and a account to perform credit transactions, the person in charge of the process to obtain this service went over the paperwork I was signing never mentioning that there was a required monthly usage of {$3000.00}. or that what I was signing was irrevocable. At the first month of my service I used the machine twice totaling {$450.00}. and then got a {$500.00}. fine from Wells Fargo, with them explaining this unspoken requirement. I at that point in my business had n't made {$3000.00}. total in one month yet so I asked why it was never mentioned, so after a exhausting process of sending their machine back and canceling all my agreements pertaining to this service I was informed that Wells Fargo was going to take {$38.00} a month out of my accounts for the next 4 years as the rent agreement on the machine was " irrevocable '' whereupon I responded that I was never made aware of this clause when the person at the back did the paperwork with me and could I talk to him. The bank told me he was fired due to fraudulent practices. I then said that I was never made aware of this issue and that it was " My tough luck '' because I signed the paperwork they had every right to take the {$1800.00}. out my accounts over the next four years. I took this issue to the State of New Mexico Attorney 's office and they said " we never told you this '' even though the fired employee probably was the reason for the issue " I signed the papers therefore I am 100 % libel for whatever they said and that I needed to " XXXX '' and pay it. ''
I called Discover because i was previously on a payment plan and i was told once it ended i would have use of my card but learned today that the account would be reviewed monthly to see if i qualified for use of my card so i told the rep i would like to cancel my account but i have questions b4 completing the cancelation. While asking my questions, the call dropped and she canceled my account without calling my back to confirm if it was ok to go forward with the cancelation. I called them back the same day and they're telling me the account can not be reinstated although i never finally agreed to the cancelation.
i was recently denied credit and i want to start a dispute online using Transunion website. The site keeps denying me access saying that my URL is incorrect. I tried using multiple computers and it seems Transunion has a block on my account
We have a title loan through autopay in XXXX colorodo. The balance was {$310.00}. The balance was sent to collections. On XXXX XXXX 2017 we called autopay to make the payment. ( cleared with bank XXXX XXXX 2017 ) They directed us to a collection agency with a number but refused to give us the name. We called and paid it that day. We were then told we would be receiving the title in the mail within 90 days. In the beginning of XXXX  we called autopay to find out if the title had been sent out yet, we were told it was not and that we needed to Contact XXXX XXXX. XXXX XXXX said they did n't have anything from us so we needed to call cpcrecovery. We called and they said we needed to email proof and they would send it to XXXX XXXX. So we did and then we were told they would send the title and to again allow 90 days. Here it is the end of XXXX and autopay is saying we never made a payment even with our proof being emailed, then they say they 're waiting for the funds to be released so we can get our title. The story keeps changing. Every call we make to keep checking on it they keep asking when we paid it. It 's like they 're not taking notes, acts like they never heard from us and not caring. It 's been almost 6 months since we paid it off. I ca n't work because we 're down to one vehicle because we 're being refused registration for the vehicle and my insurance is dropping the vehicle. We just want our title.
I disputed a charge on my credit card several weeks ago, I contacted Wells Fargo to find out what the status was as I had not heard anything from them. Wells Fargo informed me that because I stayed the entire duration of the trip and used my credit card they could not dispute the charge. I explained to Wells Fargo that accommodations that we were promised and what was shown on the company 's website were significantly different. My daughter had to receive medical attention from the bug infested room we stayed in. We were out of the country and had already spent over 6000 for a room and could not afford to stay elsewhere. The room we were promised looked nothing like the actual room that we stayed in. The ceiling and bathroom room had mold and other major safety concerns. The room was not the size specified in the picture and the concierge level room was misleading.
Regarding XXXX Credit Card accounts with XXXX. XXXX I was in contact with XXXX through a third party company to work on a settlement to pay the XXXX accounts. XX/XX/XXXX XXXX sent letters to me indicating they would : 1. No longer attempt to collect the unpaid debt on my accounts AND would be reporting the UNPAID Credit Card balances ( {$27000.00} and {$35000.00} ) XXXX for the XX/XX/XXXX tax year. 2. XXXX would be sending a XXXX to me in the near future of the principal balances. I received XXXX documents and filed with my XX/XX/XXXX tax returns taking the amounts as " income '' per XXXX guidelines. My XXXX also confirmed the XXXX XXXX amounts on the XX/XX/XXXX tax year XXXX transcripts. XXXX is still reporting the all XXXX credit bureaus that the full balance is owed to XXXX on the XXXX credit cards. The result is my credit scores being affected and I am not able to complete a re-finance on my home. I am filing this formal complaint against XXXX as this seems very unfair. The XXXX documents sent to me by XXXX state at the top of the documents " Cancellation of Debt ''. I do not understand how XXXX can send a XXXX to cause me to file the amount on my taxes and PAY TAXES to the IRS and turn around and continue to report these amounts to the XXXX credit bureaus as " Balance Past Due ''. Please help!
I obtained XXXX XXXX services in XXXX XXXX against the advice of nearly everyone I knew. In XXXX XXXX, my fianc and I bought a house together, so I cancelled my contract with XXXX XXXX. Given I had a two year contract, I knew I 'd have to pay a penalty for canceling early. Given I was contractually bound to XXXX for two years, I paid the cancellation fee. XXXX XXXX sent me prepaid boxes in which to send back the equipment they had rented me. I followed the instructions exactly and left the equipment on my porch to be picked up as was instructed. It was picked up. Sometime after that, I started receiving collections calls related to not paying for the equipment. I followed up with XXXX and they refused to speak to me since the account had already been turned over to collections. Say what? After arguing with XXXX and the collection agency for several months, my wife finally paid it so that it would n't go against our credit. We went to apply for a mortgage for a new house today and guess what! My credit is XXXX - and that XXXX fee that for equipment that I RETURNED and eventually PAID FOR just to get them to leave me alone is lowering my credit by nearly XXXX points!! Given we are applying for a jumbo loan, this is catastrophic because now we no longer qualify!. I explained to my mortgage officer what happened and she mentioned to me that this is common with XXXX and XXXX - that after you return the equipment they continue to hound you for fees you do not owe. She suggested that I file a complaint through consumer finance.
THE DECEPTION OF TD BANK I submitted an application for a collateral loan with my passbook savings account as the support. The loan amount was {$5000.00} over 36 months. The payoff was completed in 15 months and to my surprise, my collateral was not in existence any longer. Why is a collateral in place when there is no intent on the lenders part to reinstate the original property?
I sent an application in XX/XX/XXXX to apply for a loan discharge request application because I didnt have XXXX when I went to XXXX XXXX in XX/XX/XXXX. While they investigated it they put the loan in forbearance until XX/XX/XXXX and I have a letter stating that. In XXXX, I went online to reset up autopay payments because it got denied for discharge because they said I took an aptitude test that is equivalent to XXXX. In XXXX, online account with Navient said XXXX balance due loan paid off by XXXX. I called and they said the loan was sold XX/XX/XXXX to XXXX. I went round and round with both Navient and XXXX and now we got a letter in XXXX saying wages would be garnished so I called again. XXXX that has loan now says they bought loan, information they have is what they got, and unless Navient says otherwise they will garnish wages. Navient put our complaint into another investigation because they also show that loan was in forbearance per 3 of their representatives that we talked to confirmed loan is showing its in forbearance status. Yesterday we received letter from my employer that wages will be garnished as of next pay at 15 % each pay as ordered by XXXX. Other issue is balance with Navient was {$6600.00} and now with XXXX they are saying balance is {$8500.00}. Also, when I check XXXX  XXXX XXXX Aid website it says " Your enrollment status is NEVER ATTENDED, effective XX/XX/XXXX ''. 
I have all the paperwork documenting from XXXX through yesterday showing everything stated above and I do n't have anything from Navient informing us loan was in default, sold, or nothing. When I call they agree but said it has to be investigated as to why it was sold. As of last night, XX/XX/XXXX, they still have no answers and referred us to consumer advocacy agency. We have been paying on this loan for years now ( I believe since XX/XX/XXXX we have been paying {$110.00} a month and paid to date per their statement is {$11000.00} ). I have called 3 times today XX/XX/XXXX and left 2 messages for XXXX XXXX who is now handling my account and still no return calls.
I received the following email today, XX/XX/18 from XXXX XXXX XXXX. I am not sure what this notice is about but I have been threatened to be sued. 

Here Plaintiff ACS ( Legal Department ) XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Defender, We are hereby informing you that my client ACS is going to file a legal case against you at XXXX XXXX. Your total outstanding with late charges, interest charges and attorney charges has been reached to XXXX which is more than enough to file a lawsuit. As advised by my client, I hereby giving you a notice before filing this case. 


Unfortunately, by ignoring these warnings you are damaging the excellent credit record you had previously maintained with company. In addition, you are incurring additional expenses to yourself and to us. 

Be notified that documents are being prepared for the issue of summons regarding the above debt. 

JUDGEMENT in this matter may lead to : ( a ) Additional legal Costs being Charged. 



( b ) Entry on the COURT JUDGEMENT REGISTER making it difficult to obtain future Credit FAILURE to make payment after judgement of Court lead to : ( a ) Seizure of assets by a Court ( b ) Attendance in Court for an Oral Examination regarding assets, liabilities, Income and outgoings ( c ) A Garnishee order attached to your bank accounts. 



( d ) Bankruptcy or liquidation You will receive a legal notice at your address within next 7 business days if this case remain unresolved. It is essential that you immediately settle this account by sending money for full amount. The consequence of ignoring this notice could be very serious. 

To settle this case contact directly XXXX XXXX and reply back to the same email. 



Sincerely, XXXX XXXX.
I open a discover online saving account on XXXX ,2015 using the code " XXXX '' which will give me {$100.00} bonus within 1 month After I open a new saving account and deposit {$5000.00} before XXXX/XXXX/2015. I 've met all the requirement by XXXX/XXXX/2015 and wait for XXXX fully month but tthe bank customer service just want me wait another 4 week and they are still not sure whether I can get the bonus or not. I have already save the whole website during application.
I signed a Reaffirmation Agreement with US Bank /US Bancorp on XX/XX/XXXX which states a fixed rate of interest 3 % for 375 Months, filed with US Bankruptcy Court . They are now saying that the modification done in XX/XX/XXXX is what is binding and that the reaffirmation agreement is only for credit reporting purposes. They have not reported any of my mortgage payments for the past 5 years to any of the XXXX credit bureaus. And are now raising my interest to 4 % for XX/XX/XXXX then 5 % XX/XX/XXXX and are amortizing the loan 400 months.
Capital One Auto finance ran my credit report 2 times at the discretion of XXXX XXXX XXXX in XXXX XXXX, TX. I visited XXXX in XXXX XXXX on XX/XX/2018 to inquire about a XXXX XXXX XXXX. I DID NOT sign an application nor did I authorize to have my credit ran. Upon viewing my credit file, I noticed two hard pulls from Capital One showing on my credit file.
on XX/XX/XXXX I called Equifax to dispute addresses that did not belong to me they deleted the address but not the inquires attached to them none of the inquiries resulted in accounts from nor where they ever done by me the following inquiries need to be deleted there are no accounts ever done by me or showing on my credit report the following things need immediate deletion per section 623 of the FCRA as well as section 609 of the FCRA as well as section 611 FCRA please send me requested proof that these belong to me I never requested anything from these companies these where done at addresses that where deleted off my credit file thank you I need XXXX deletions done asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

EQUIFAX MORTGAGE SOL EQUIFAX MORTGAGE SOL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This mechanism has been designed to inform you that I XXXX XXXX XXXX resides at XXXX XXXX XXXX XXXX, XXXX.Pa XXXX. I have been struggling since the XXXX XXXX which took place during the XX/XX/XXXX-XX/XX/XXXX. My mortgage was transferred through the XX/XX/XXXX. It went from XXXX XX/XX/XXXXto XXXX XXXX to XXXX XXXX XXXX. I also know that XX/XX/XXXX was a fraud, and I also know that XXXX XXXX was in a lot of trouble for this. My mortgage has been passed through a dangerous system. No one can tell me who owns my mortgage as of this day. If you could look into this matter it would be greatly appreciated.
Trans Union Over the past year I have been disputing incorrect information reporting on my credit. The following are examples incorrect balances, incorrect payment history, incorrect credit score and fraudulent accounts that did not belong to me.

Most recently my SCORE drop 50 points without a justifiable reason according to XXXX XXXX.

All of my accounts are in excellent standing for over years, some are even paid 6 months in advance.

I read the guidelines used to rate my score and all were green with the exception of one credit card for XXXX which was paid, It was paid before receiving a statement. 

I need justification for a 50 point drop or just correct the error ASAP!
The credit bureau are reporting me late. according to my mortgage company they never reported me late. Please take careful time looking into this. This is hurting my family sincerely. We have muliple lates and collections on our report. Please delete our loan mod was in XXXX we where paying on time and never late. never had collections we pay our bills. please XXXX is watching us. please help its effecting our childrens tution we need to borrow to send our son to XXXX. our first child we came from a poor family please XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX lates XXXX how can this happen " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX ''
I filed a dispute regarding a charge off credit card and the card XXXX bank sent back information stating it was valid. I called to try to settle it on XXXX and they sent me to NAR collections stating they had it and to call them. I emailed NAR and they stated it wasn't with them anymore XXXX had it and that they were removing it from my credit. I am submitting the email and want to make sure it is removed and XXXX doesn't try to mess with me again as this is affecting some matters in my life and I tried to make it right.