WillisBack/dataset-financial-user-claim huggingface dataset:
PORTFOLIO RECOVERY ACCOUNT NUMBERs : XXXX and XXXX and XXXX FAX NUMBER : XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RECOVERY XXXX and XXXX and XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX SOC SEC # *********** DOB XXXX/XXXX CURRENT ADDRESS XXXX, FL XXXX
I accepted an 18 month 0 interest balance transfer promotion from Wells Fargo on my credit card in XXXX, XXXX. 

I called to confirm that I could still use my credit card to my regular purchases and that any payments that I would make would go towards the purchases not the balance transfer amount. They assured me that yes. And they said " The payments will always go towards the highest interest balance '' When I called the last month to make a full payment on the purchases ( and the minimum on the balance transfer ) I was told that they had - for the past several months - applied my payments 50 % to balance transfer 50 % to purchases. They explained that they had a 0 % on purchases promotion on my card ( which was unbeknownst to me, and they never told me when I called previously ). 

They then explained that the 0 % on purchases was a 6 month promotion that would expire in XXXX and I would owe the full amount of purchases then or be charged interest. 

I asked them to go back and apply all of my previous payments towards my purchases, since my balance transfer goes until XXXX XXXX and they said they ca n't. 

I believe this is an issue of structuring to harm the consumer. 

I accepted / opted in an 18 month promotion, but they gave me a 0 % on purchases that I never opted in ( apparently via mail and I had to specifically opt out ). This promotion of 0 % for 6 months in effect makes it so I ca n't actually take advantage of the 18 month 0 %. Because payment allocation goes automatically 50 % and 50 % so I end up with a balance within the 7th month. 

I request that they retroactively apply my payments to my purchases balance vs. my balance transfer.
Credit Bureau  of Lancaster County , Inc   XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , PA  XXXX   XXXX  : (  XXXX  )  XXXX  Toll Free : (  XXXX  )  XXXX  Fax : (  XXXX  )  XXXX  See below : The company ( Credit Bureau  of Lancaster County , Inc ) s aid  XXXX   XXXX  owed {$270.00} when this is false.   The debt is not mine.   I am  XXXX   years old,  have medicaid and  XXXX   XXXX   XXXX  with co-pays of {$0.00}.   See document.   Thank you.    XXXX   XXXX
I have a public record/judgment that appears on the following credit reporting agencies, XXXX, XXXX, XXXX and Lexis Nexis. The judgment was filed against me by XXXX XXXX XXXX XXXX XXXX in the amount of {$1600.00}. This information is fraudulent and the company was found guilty of the illegal business practices. 

I begin making payments, and continued to make several payments to this company because I was led to believe that I was guilty because the courts were involved. I later learned about the injunction and ruling against said company.
From XXXX I attended XXXX XXXX. In XX/XX/XXXX I decided to take out a loan with ACS Education Services of which the total loan amount ( including fees/interest ) was {$5500.00} ( $ XXXX base loan and {$500.00} in interest ) The first payment I made was on XX/XX/XXXX. Fast forward almost XXXX years, I am still paying off this loan. Total payment since inception has been {$5600.00} of which only {$1500.00} has been put towards the principal and the remainder to interest. The current variable interest rate listed on my account as of today XX/XX/XXXX is 10.280 %. The minimum payment amount is {$55.00} and I 've consistently been paying {$65.00} per month and I have even made payments as much as {$100.00}. I really believe I should be done with this loan considering that I have not paid the minimum amount towards this loan. I would like for ACS Education Services to explain how are they allocating the interest vs principal amounts whenever I made a payment. The way they distribute my payments have not been consistent every month and month after month at least 80 % + of my payments are going to interest. I really need help in trying to figure out what is going on here. I really think they are stealing my money. Also I am no longer receiving statements and on the website they do not have a link where I can view my statements online. I am not sure why the government has not intervened.
please reference previous complaint filed - # XXXX this is what i submitted and Wells Fargo came back with a response to a XXXX XXXX XXXX credit card ( # XXXX ) which was paid off BEFORE any interest could be charged so i need to submit my complaint again. I received a letter from Wells Fargo with a contact number and I have left 2 messages so far for XXXX XXXX at XXXX ext XXXX and have yet to hear back from him. 

I opened a credit card with WF ( # XXXX ) with a 12 month introductory rate. I recently noticed that they are charging me 28 % which is more than what they show online for " the worse case scenario ''. My credit isn't that bad so I don't understand why I am being charged the highest rate, even more than what they advertise so I called them The guy on the phone agreed with me and said " I don't know why you are being charged more that what we quote '' and he gave me back 2 months interest but said he couldn't adjust the interest rate. in 2017 I paid almost {$1000.00} in interest! My monthly payment is {$130.00} and {$88.00} goes to interest ... how can I ever pay this off at this rate?
I received a notice from  XXXX  that I had activity on my credit report. Upon accessing the   XXXX    site and viewing my report I saw  XXXX  discrepancies but do not know if they are related.   The first issue is a hard credit inquiry from  XXXX  on  XXXX / XXXX / 17 . I did no  t authorize this and I am currently not seeking credit of any kind. The  XXXX  site did not give means for addressing this and did not give contact other than a   XXXX   XXXX   .
The second issue regards an address in WV. I 've never lived in WV and I have an open dispute on that right now. However the dispute is only with  XXXX  and I need to have that address disputed with the other creditors as well.
In  XXXX  or  XXXX  of   XXXX  , Carrington sent me an escrow statement, and explained that my homeowner 's exemption had expired, which resulted in my mortgage payment being raised by over {$300.00}. They told me to g o to my county and ap ply for another exemption, send them the receipt from the transaction, and they would adjust my phkebt. I proceeded to go to the  XXXX  County Courthouse to file for another exemption, which was granted. I sent the paperwork to Carrington, and they told me that they could not accept it, a nd that the county need ed to send it directly to them  (  whic h the county doe s not do ). In the meantime, I was faced with paying the high payment due to them not adjusting my payment as they promised. They said that there was nothing that they could do, even after I tried to send them the {$1400.00} check tha t the county se nt to me as a result of the overpayment. They told me that I would just have to pay the higher payment that I could not afford until the next year. I countinuously called, and finally they lowered the payment a little bit by stretching the escrow shortage out over 24 months, and causing more interest accrual for that period. This is all in effort to make more money off of the customer. I then called at least 10 more times, which is documented in their system. I was calling almost every week since last  XXXX . They have been marking my veesoy report 30 days pat doe, because they set me up for an impossible mission of paying this high amount even though I tried to send in the escrow shortage, which they refused. My credit is now RUINED because of them, and I want them to own the mistake and fix the Lates on my credit. After months of being told that there was nothing that could be done, I called in last month, only to be told that they could have given me a forebearance in the first place. I am LIVID. Now I have to wait years for my credit to rebound because of a lack of competent customer service agents. Please help me fix this!
On XXXX XXXX, XXXX I received a letter in the mail from Synchrony Bank stating that they have lowered my XXXX credit line to {$4300.00} from {$7000.00}. The balance owed on this credit card was {$4100.00}. I find it no coincidence that my credit line was lowered almost to exactly what I owe on the card. I have had this card since XXXX with a few late payments but overall no major problems. 

On XXXX XXXX, XXXX I received a letter in the mail from Synchrony Bank stating that they have lowered XXXX XXXX my credit line to {$100.00} from {$2600.00}. The balance owed on this card was {$0.00}. I have had this card since XXXX with a few late payments but overall no major problems. 

Upon checking my credit report I have also found that Synchrony Bank closed my account with XXXX XXXX XXXX. The balance owed on this card was {$0.00}. 

I have contacted the bank to find out why they are lowering and closing all of my accounts. They have stated a review of my account has resulted in lowered credit lines essentially due to bad credit. 

Two of those accounts I owed nothing on and I have made the majority of my payments on time - when I have not, I have paid the late fees they have in place. Synchrony bank is destroying my credit further by lowering credit lines and closing accounts. I would like to know why after XXXX + years they have suddenly decided they do not want me as a customer anymore. What prompted them to hurt my credit score further and tell me they are doing so because my credit is bad. That makes absolutely no sense. 

Obviously I am beyond angry as my wife and I are trying to build/repair credit in order to buy a home for our family in the near future. Please do not tell me my credit is bad and turn around and make it even worse. This seems beyond unethical especially since my accounts were all in good standing. 

I would like explanation for this and to have all of my accounts reinstated. As well as any damage done to my credit report reversed.
Please see previous submission. I have more than 80 % loan to value. When I closed I had a 95 % LTV, but the appraisal came in so high I was instructed to call my lender and request the re-eval due to the appraisal being so much higher than the purchase price. I called Wells Fargo numerous, numerous times, probably XXXXive or six and they stated they were looking into it. Then I received notice that I had to pay for another appraisal, I stated, no, they told me they would be using the original appraisal and basing the new LTV against that as I had immediately followed up when I closed. I finally filed a claim in XX/XX/XXXX, waiting all this time for them to now respond to an issue that is not an issue. The issue is that my LTV is greater than 80 % now and all the way back to the closing ( XX/XX/2017 ). I knew my LTV when I closed, again, being told with the appraisal coming in so high, I would have the mortgage insurance dropped. This is unlawful to charge me for mortgage insurance when my LTV exceeds 80 %. The LTV was to be reviewed since the appraisal came in ( at closing ) and here we are almost a year later with no resolve. Do I hire an attorney or are there legal departments that I can escalate this? Thank you.
I am currently in default on my mortgage loan due to current situation. I have been trying to pursue a short sale with Fay Servicing ( loan servicer ) since last year and they are preventing me from completing the process along with XXXX XXXX ( investor ). At some point in XX/XX/XXXX the short sale was approved at {$280000.00} and the buyer was unable to close the deal due to the fact that I had squatters in my property. By the time that we were able to evict them, the approval expired and the lender did not honored the approval. In XXXX XXXX, XXXX XXXX XXXX acquired my loan and they had expressed their desire to keep the property since it is located in XXXX which a mortgage market on the rise and they rather F/C on the property to keep it and make profit. I wonder if they ever realized how much stress tis situation has caused me and my family. Do they even have any type of consideration for the customer? As anybody else, I bought this property back in XX/XX/XXXX and I never thought for a minute that I will be in this situations. The previous buyer walked and every time we get an offer, the buyers get turn down by the loan servicer ( Fey Servicing ). I know the investor makes the final decision and they do not care about me or my family, but it will be a great help for us to be consider for a short sale at a realistic market price. We have provided all kind of supporting documentation to support numbers and the investor is NOT willing to allow me to work a short sale. They are forcing us to do a deed in lieu. We have been told my XXXX XXXX XXXX ( Fey servicing - negotiator ) that the investor wants to sit on the property until the foreclosure is completed, so they can keep it, fix it and make a profit on it. I do not believe is right for an investor to do so by preventing me and my family to close this chapter. The investor ( XXXX XXXX ) is denying me the right to do a short sale. Lastly, please keep in mind that they are using a value from from XX/XX/XXXX and they are not willing to do a BPO due to the fact that they know this property is in really bad shape and they will have to sell it at a price that is lower than their expected price. The short sale was previously approved by the previous investor for {$310.00} and now the new investor is asking for {$500000.00}. My questions is if the previous investor using the same BPO approved at {$310000.00} why is the new investor using the same BPO is asking for {$500000.00}? You can tell they have their own intentions and are not willing to help our situation.
Coinbase has not been able to resolve the issue of me being locked out of my account for 2 months now. I 've provided all the information required and they still ca n't confirm when I 'll have access to my account.
communication tactics Seized or attempted to seize property Used obscene, profane or other abusive language continue to advertise property as foreclosure after debtor seek relief In the days following bankruptcy filling. the debt collector XXXX XXXX, XXXX law firm Cohn Goldberg Deutsch may have approved the use of violence or even orchestrated it .from evidence and actions and the pride inspired by this third party .the debt collector only way was to play on the old fear, bulling and treacherous. 
inflict XXXX to collect a debt, that include the third party inflicting physical injury orchestrated by Cohn Goldberg m and Deutsch and XXXX XXXX, XXXX these debt collector moral compass is off course. they seem to have take the position that they are above the law. 
Portraying their actions as perfectly permissible. TO COLLECT A DEBT. The debt collectors XXXX XXXX, XXXX COHN AND GOLDBERG, Deutsch, XXXX XXXX XXXX XXXXl XXXX, XXXX, XXXX XXXX XXXX
applied for a loan through XXXX XXXX to one main on XXXX XXXX 2017, received an approval for 2 types of loans. XXXX car and up to XXXX personal. Document says just need to finish up bring your check book to One Main in XXXX, NJ. I get a call on Monday asking for different information saying that was a pre-approval. The letter is not it clearly states approved. they take additional information say it needs to go to underwriting and they will get back to me by the end of the business day. 10 minutes before they close I call and they said oh it just came out sorry we cant due to a bankruptcy that was discharged 7 years ago and open judgements, Mind you I pulled my credit today and have 1 judgement that is paid in full that I am waiting for it to come off. The information they gave me today is the same nonsense they gave me back in XXXX when I applied. I have attached the first letter from XXXX showing I had to provide more information and then was denied. I have also provided the letter from the XXXX stating approved and nothing saying otherwise.it states bring your things and we will fund same day. this is bogus false advertising and i 'm being discriminated against because someone did n't do their job right today and looked at the old denial possibly. big difference in letters and they are not looking at my credit from the 3 major bureaus who only how the one judgement
Synchrony Bank issued me a {$800.00} credit limit for a Walmart Credit Card. I have great payment history and never missed a payment. The first issue I have is the company closed my card after the company tried to take payment on the wrong account number. I told the rep that was my saving and made the payment the same day. The manager said not to worry. The next week they closed my account dropping my credit score. I have made all of my payments even after my account was closed. I was placed on a $ XXXX monthly payment and the representative and I tried to make my {$10.00} payment over the phone. Their system was n't working she told me to try to use the computer. The computer did n't work I told her I would try again or mail the payment. I mailed a {$40.00} money order and the company claimed they lost it. Now my credit score dropped XXXX points. In the process of purchasing a new house. This has Hurt my chances. I strongly believe this bank is holding on to my money to lower my credit score
ON OR ABOUT XX/XX/XXXX AND XX/XX/XXXX. WE FILE A COMPLAINT Against TD.Bank about Problem that they need to fix we send our finical statement to the NJ XXXX XXXX XXXX. the report number was CFPB # XXXX And on or about XX/XX/XXXX respond back to consumer Financial protection Bureau CFPB ) states that they has correct the problem but failed to increase the credit that we request XXXX to fix the problem by increase line. yes they gave us our line back of XXXX but that did not fix the problem. this is not a credit bureau problem this is a T.D Bank problem iam request a XXXX increase to fix the problem and the bank do not need to pull the credit because they already pull the credit to cause the problem. in a Letter date XX/XX/XXXX from T.D.Bank they did not address the issue. the after problem from the damage that done. for drop the limit to XXXX
XXXX XXXX refuses do conduct an investigation. XXXX XXXX representive would rather dispute my complaint over fixing my credit report. 

XXXX XXXX IS currently reporting inaccurate information on my credit report. On XXXX XXXX   and Trans Union it shows reporting that my last date of payment was XX/XX/2016. 

XXXX XXXX also reports that I was late XX/XX//2016. When speaking to the person responding to my complaint he/she states In summary, your account became 30 or more days delinquent in XXXX 2016 and was never brought current. 

This person responding to the complaint states that I am not factual but proves my complaint valid with the statement above. I have been disputing a number of inaccuracies but like the repersentive above said I first late on XX/XX/2016. 

So this INDEED MEANS the First date of delinquent was XX/XX/2016 and NOT XX/XX//2016. 

While the repersentive is attempting to school me heres what he/she said as well First, your date of first delinquency is XX/XX/ 2016. Our records reflect that the account was due for the XX/XX/20/16 payment which was paid on XX/XX/2016. 

Then sends me an account paying history statement that I will attach. 

XXXX XXXX OWN statement shows the following. 
The rep states my due date was XXXX Due XX/XX//2016 Payment XXXX/XXXX/16 Due XX/XX/2016 Payment XXXX/XXXX/16 How can I be 30 days late? Based on your own statements it shows youre violating my rights! While, protesting against my complaints instead of doing an investigation. 

XXXX XXXX reports on all credit reports that I am 30 days late XX/XX//2016 and my first date of delinquent was XX/XX//2016. 

I get back in 2016 that I made mistakes but this erroneous reporting and going back in fourth instead of an investigation proves XXXX XXXX has some malicious intent to keep inaccurate information on my credit report. This is vindictive credit reporting If a Definition was needed. 

Again, there are 3 reasons this account needs to be removed! 

1. I WAS NOT late XX/XX/2016 2. XX/XX//2016 was not the first date I was delinquent 3. This account should not CURRENTLY be reporting as a charge off. As this debt was dismissed in Bankupcy court. 
4. 76 month Terms reporting on a closed account
I've tried explaining to this company, the information that is reporting on my credit report isn't mine and I sign my name as XXXX XXXX.
I have notified Dept of Educatiion that they are inaccurately reporting that I was late in XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.
Received a letter from Receivables Performance Management ( RPM ) that I owe amount to XXXX company. I did have XXXX account 10 years ago and it was closed. Even my name on the letter is incorrect and incomplete. Total money extortion in my opinion.