WillisBack/dataset-financial-user-claim huggingface dataset:
I have sent a letter in 4 months ago on XX/XX/2018 and I havent received any response through mail nor email. I take it that there isnt any original contract documents on me for the credit card account with XXXX XXXX with an outstanding amount of {$1800.00} and the inquiries listed on XXXX, XXXX, TransUnion. I have never given anyone any consent to inquiry inquiries on my credit file and this seems to be fraudulent and erroneous. I have attached a letter that I would love for you to carefully read. This is my third attempt since last year and this year combined. I hope we come to a resolution and your company completes an internal investigation on the account and inquiries because this seems like its becoming a problem and no one in the department is dealing with this situation or taking this matter serious. I repeat, please dont send me any XXXX XXXX messages stating that the inquiries are factual records nor is the account because I dont have a clue of who they belong to and I have contacted the creditors and havent gotten a response back. Its been more than 30 days for this matter. If this matter isnt resolve by Friday Im seeking legal actions against XXXX, XXXX, TransUnion.
Portfolio Recovery is trying to recover a credit card debit when the Statute of Limitations has expired in Tennessee. Also the debit was discharged in a bankruptcy. I have told the company to stop calling me at least 5 times. I explained them the SOL in TN and the refuse to stop harassing me. Also they are in violation because they are concealing their identity when they call. They have called me more than 20 times that I have documented. All the calls are from different phone numbers that are not listed. This is a violation of the FDCPA. They have even called me from a phone number that is close to my own cell phone number. I do not owe this debt and I am being harassed from this company! I have added only 2 screenshots of comcealed identity phone numbers they are using.
I have paid my Wells Fargo mortgage loan on time ( actually I am one payment ahead ) for over 10 years but all of these payments are not showing up on my credit report. The account was reaffirmed, however, there has been no payment history reported since XX/XX/2010. I am in the process of applying for another mortgage and need to have this history updated on my credit report immediately so that it can be factored into my overall credit rating.
FAMS contacted my placed of employment and informed my co-worker personal information about me and that I have unpaid loans. My co-worker informed the caller these types of calls are not allowed and gave the caller with my permission my personal cell phone number. On another occasion a FAMS employee pretended to call to verify my employment and personal information about me for an " application I submitted ''. When my co-worker became suspicious because the caller was becoming rude she transferred them to my supervisor. My supervisor did not feel comfortable giving the caller the information they wanted after the caller would n't verify who they were so he referred the caller to our company supervisor. Then I received a call from our HR department informing me they received wage garnishment papers from this company for XXXX % of my paycheck. I got the company name and number from the paperwork. I called and was transferred to a man who was rude from the beginning. He stated they have called me numerous times on my cell and have not made contact. Which I have never received a single call or mail from this company. I informed him the address he has is incorrect and I have not lived there in over 5 years and that the name he is using is my maiden name. He argued it is my fault my wages are being garnished and that I should 've kept my name, address and phone number up-to-date with them. And since they never received a returned letter that it 's my fault they did n't have current contact information for me. He stated he does n't know the original debtor but that the loan from 2003 came from XXXX and is now at {$9000.00} due to interest but he ca n't tell me the original amount owed due to the loan being consolidated at some point in the past. He had no interest in updating my contact information, resolving matters with me or helping me get the correct forms that verify the debt owed and debtor owed. He very smugly stated several times that all will be resolved now that my wages will be garnished. How can a company who wo n't verify a debt or debtor? Wo n't communicate with me? And violates third party disclosure now garnish my wages for an unverified " owed debt ''?
After paying down debt to reduce my debt to credit ratio, Citibank N.A. reduced my consumer credit line from {$4000.00} to {$1900.00} causing a debt to credit ratio INCREASE which negatively impacted my consumer credit rating and consumer credit scores with ALL major consumer credit reporting agencies. 
Up to XX/XX/XXXX, my Citibank N.A. line of credit for my Home Depot credit card was {$4000.00}. On XX/XX/XXXX, 4 days AFTER Citibank N.A. received my {$2500.00} payment, Citibank N.A.  reduced my XXXX XXXX XXXX Credit Card line of credit to {$1900.00} thus causing my debt to credit ratio to increase from 38 % to 83 %. My Citibank N.A./XXXX XXXX XXXX credit card credit reporting payment history is immaculate/on time/never late across all three credit reporting bureaus since XX/XX/XXXX. On XX/XX/XXXX,  at approximately XXXX CST, I was told by a Citibank N.A./Home Depot Credit Card Services representative ( XXXXXXXXXXXX ) that a " periodic '' account review was done which caused my credit line to be decreased. For the record, my XXXX, XXXX and XXXX consumer credit reporting scores were HIGHER than they were when I was granted the initial {$4000.00} line of credit - ATTACHED XXXX CREDIT REPORT FROM XX/XX/XXXX. I received letters from Citibank N.A. stating their decision was based on information from XXXX ... In addition to consumer concerns with using XXXX given what was transpiring with XXXX  during the timeframe of this incident, this is not only false representation it 's also malicious intent at the hands of Citibank N.A. I am a subscriber to a daily consumer credit monitoring service ( ATTACHED XXXX CREDIT REPORT FROM XX/XX/XXXX ) and there is NOTHING on my XXXX credit report that substantiates the claim from Citibank N.A.
I have sent more than 3 notices through Consumer Federal Protection Bureau complaints on Portfolio Recovery Services on multiple accounts that were reported to my credit report illegally. The have violated many Fair Credit Reporting Act and Fair Debt Collections Laws and have destroyed my credit. 
Over the last year I have requested documents required by Law and they have ignored them and said they never received them even though there are records showing this from previous complaints on record by the Consumer Federal Protection Bureau. These files show they indeed have received my disputes and complaints. 
They have exhausted more than the 30 day time frame to allowed by Federal Law to provide all required documents needed to prove this debt is valid- I dispute this debt again. I have no records of this amount they are trying to collect and neither do they. 
Portfolio Recovery has a history of forging documents and stalling saying they have never received any disputes. I have records for fake Dunning Letters and Statements they provide that does not show the full detail of the accounts and due to this they have removed 3 other accounts that I have had the same issue of them proving the debt is actually owed. I am requesting they do the same and release and remove this account from all credit reporting agencies immediately. 
I have also disputed this account with the credit bureaus and Portfolio Recovery reports this account as verified just like they did with the others but have since removed them. One of which is listed in the most recent complaint XXXX-XXXX submitted on XX/XX/2018 but this account # XXXX was not. 

Portfolio Recovery is using Harrasement and Unfair Collections to collect this debt according to the Federal Debt Collection Practices Laws. I have included the numbers and dates of previous complaints that show that my notice of DISPUTES have been dismissed by this company and the claims unfounded. 

Compaint # XXXX-XXXX Submitted to the CFPB on XX/XX/2018 Compaint # XXXX Submitted to the CFPB on XX/XX/2018 Complaint # XXXX-XXXX Submitted to the CFPB on XX/XX/2018 -Did not provide copies of any validation or verification -Continues to reply PRA has no record of a request or dispute being received in relation to its initial notification letters. 
-Never sent Dunning Letter but reported to my credit report- No proof of letter every being sent -Can not prove the amount owed is valid or owed- or accounting of amount owed
I had a mortgage with CitiMortgage. I had a mortgage amendment filed in 2011 for relief of payment. The Amendment was written incorrectly and I suffered from financial hardship with extra interest payments that were not correct. They were higher than promised. XXXX bought this mortgage and continued to harass me until I went to the Minnesota Attorney General. and they helped me find relief with XXXX who is now identified as XXXX operating in Minnesota.
Conn credit card continually about an account that is not mine. They 've been told numerous times they are not contacting the correct person. I changed my number because they were calling XXXX times per day. Now they 're calling the new number.
In regard to the complaint I submitted on XXXX # XXXX, Since there is some changes happened to the case I would like to update the changes in the form of a summary, I ordered, the order # XXXX from XXXX using my XXXX, On XX/XX/2017, due to fraud transaction I closed the account, and the balance of this account was the price of that order, The XXXX credit card representative advised me to go to any XXXX store and pay for the order, On XX/XX/2017 I went to XXXX located at XXXX XXXX NJ XXXX, and paid {$44.00} reference # XXXX using my Bank of America credit card ending XXXX. 
On on XX/XX/2017 I received statement from XXXX for the same order, On XX/XX/2017 I contacted the XXXX XXXX card, around XXXX, answered by XXXX XXXX, and asked him to contact, XXXX and update the balance by the payment I did, he told me to wait until XXXX will update it, On XX/XX/2017 I contacted both, XXXX, answered by XXXX and XXXX, and XXXX card answered by XXXX or chavil? And both of them accused each other of having the responsibility, to correct the mistake, On XX/XX/2017 I received e-mail from XXXX help, to go to the store and refund the bill, paid on XX/XX/2017 by my visa card bank of America ending XXXX stating that they received it by mistake? 
On XX/XX/2017 I went to the same XXXX store and paid the credit balance using my debit card, reference # XXXX for the same order, but they could not refund the first bill, In summary, it means that I already paid to XXXX the order twice, I would appreciate, if you help me to dispute and the refund the payment with {$44.00} which went through my visa credit card bank of America ending XXXX Attached all the documents and the proof of my complaint, Thank you and I appreciate your time XXXX XXXX, XXXX NJ XXXX XXXX XXXX
Please see attached documents : (  1 )  FACTS - CFPB  XXXX  (  2 )   Form  HUD-1 - Wells Fargo Bogus Demand Letter -   USAA Insurance f or Military Forensic accounting.xps  ( 3 )    XXXX   XXXX    Recorder 2015.xps M y story and my forensic accounting, from "  XXXX  independent professional sources, '' remain the same.      Wells Fargo  replies continue to present erroneous and changing information (  1 ) to backfill accounting errors, ( 2 ) to hide dual tracking, ( 3 ) to hide securitization of real property, ( 4 ) to defraud the Federal government and its tax paying citizens.      Moreover, I have learned that  Wells Fargo Bank  wrote a  20-year ac cumulation period Annuity Application at their   XXXX   XXXX  ,  XXXX , CA  XXXX  store, based upon a " telephone interview '' of my Mother in "   XXXX   XXXX  . '' The overwhelmingly egregious  fact is that my Mother  reached her mortality on   XXXX   XXXX   XXXX  , "  four years prio r. '' Even if my  Mother had  been alive in   XXXX   XXXX  , a  20-Year perio d would have placed her at " age  XXXX  '' before annuity income from her otherwise liquid savings account. This action violates every  Senior Suitability and Compliance Law o f record.     Our family, that has ban ked at Wells Fargo since Year   XXXX , has been targeted by  Wells Fargo in its " 8 is  Great '' schemes. There must be some  Federal restitution to the victims of Federal Bank schemes to restore our hard earn ed estate.
We are making more than the minimum payment so the loan can be paid off. I asked specifically for the extra money to be placed on the principle, but they refuse. Even though we are making extra payments every month, our next payment due date is in 2025. 
They refuse to put the extra money on the principle. 
I asked for a payoff amount and they wo n't give me one, because of the problem with the interest on money that is projected out to 2025. 
They wo n't allow me to make separate payments on the two loans. I have to pay one amount and they decide how it is allocated.
I have a Chase Amazon Rewards Visa. I placed an online order with a combination of points, credit card and gift card visa. There was an issue, so I cancelled the order within minutes of placing it and then placed a new order. 

Chase deducted rewards points for XXXX orders - XXXX for the cancelled order, as well as XXXX points for the new order. They refuse to credit the points back for the cancelled order, blaming XXXX. This is not on XXXX 's end. XXXX never made a charge, they actually never fully charge until an item ships. 

I had no trouble using my 3rd party gift Visa on the replacement order - again, because XXXX had never made a charge. Chase, however, refuses to correct the points balance despite contacting them and explaining the situation multiple times.
My TransUnion credit report dated XXXX/XXXX/2016 reflects XXXX hard inquiries for credit facilities for which I DID NOT apply : XXXX XXXX on XXXX/XXXX/16 and XXXX XXXX on XXXX/XXXX/16. I suspect identiy theft and have put fraud alerts on my credit reports. In the meantime, these inquiries need to be removed from my report as they were fraudulent.
XXXX XXXX Financing the ones that financed the vehicle for XXXX auto at XXXX XXXX XXXX NY. The complains is the vehicle was over priced, also documention is showing different salary income. I realized the payment of {$660.00}. Monthly for a 2013 XXXX not fully loaded. Is too high. After speaking to the dealer, I was told to bring back in 6 months they did nothing, I spoke to the Financers CCF they ask for my income verification, I fax twice to them which proved I am paying beyond the income guidelines. They too only have empty promises. Eventually they did nothing and this is wrecking my credit because I am not able to properly make payments. Need urgent help. I can be reached at XXXXXXXXXXXX
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 I do not recognize any of these companies and have not applied for credit at any of them!
I received mail from a company called XXXX XXXX XXXX, XXXX specifically the " XXXX XXXX & Servicing Department '' in regards to a collection I owed to XXXX XXXX. They said it was a Notice of Bank Levy, for owing XXXX XXXX {$790.00}. It said the default in question was originally recorded XX/XX/2015 and was in statue for involuntary recovery. The notice looked fake, and had the appearance of a court order, with the whole them vs me complaint, but was not signed, or stamped or anything. They did have my correct DOB, SSN, and former account number on it. So I called XXXX XXXX to see what I owed, if any, and they told me to call their debt collector, XXXX ( XXXX XXXX XXXX ). So I called them and they said I had that account resolved a long time ago, and they will send me a copy of the receipt as proof ( I do not have at time of this complaint ), and to ignore this false document I received. There were a lot of threats in said letter, such as bank levy for my accounts, affecting credit, and garnishing sources of income to include wages and accounts. I know this is not the case so I wanted to submit a complaint about it. The number on their mail they had listed is as follows : ( XXXX ) XXXX as phone, and ( XXXX ) XXXX as a fax.
Actually, I was having a good credit score last month but I saw a drastic drop in my credit score this month. Earlier I was just neglecting this impact but now when I saw my credit score in XXXX XXXX, I tried to find out the cause of this drop. I saw there were some hard copy inquiries put by some company on my credit score without my permission. 

Can you please help me in removing these companies from my record?
I received a rebate check in the mail from my payroll company ADP on behalf of my Health Insurance company, XXXX, for {$79.00} dated XXXX/XXXX/2014, this was money due to me under the MLR provision of the XXXX. I recently found the check and was going to cash it but noticed it said it expired in XXXX days so was no longer valid. I only found the check last week as it was stuck inside a flyer I rec 'd in the mail that I had set aside and just opened. Since ALL of my transactions with ADP ( who is the XXXX XXXX XXXX XXXX XXXX XXXX direct deposit, I do not normally receive checks from them. 

I called ADP to ask for a replacement check I could deposit and they said " No. '' that if I did n't cash it within XXXX days they were under no obligation to pay it. I asked them if this was legal and they said yes, it was entirely up to them whether they paid me or not and that by not cashing within XXXX days I was not entitled to the rebate. This does not seem right, nor legal. 

After all they owe me the money because I overpaid them under a provision of the XXXX regarding MLR, so I do n't understand how they can now legally claim they are under no obligation to rebate me the money. 

Please advise.
XXXX loans went into repayment XX/XX/XXXX. The consolidated monthly payment across the XXXX loans is {$410.00}. The very first payment ( i.e. XX/XX/XXXX ) was incorrectly applied entirely to XXXX XXXX specifically, the XXXX/XXXX/XXXX dated ) of the XXXX loans vs. being distributed across all XXXX to meet each 's minimum due. This issue was corrected after a call to XXXX in XX/XX/XXXX - the solution was that they went back and reapplied theXX/XX/XXXX payment to the appropriate loans. InXX/XX/XXXX, I observed that my credit score had taken a hit due to a > XXXX day overdue balance on a XXXX loan account. After investigating, it became apparent that the reapplication of that XX/XX/XXXXpayment had caused theXX/XX/XXXX loan to look like it was in default. I opened a dispute with TransUnion, provided a similar description as above, and additionally mailed printed copies of the XXXX XXXX statement to show " good standing '' as well as proof of each monthly {$410.00} payment betweenXX/XX/XXXX and XX/XX/XXXX. I also confirmed with XXXX over the phone that all accounts were in good standing and that my assumption about the cause of the issue was probably correct. They indicated they would send a dispute form to me to fill out and return to correct the issue - they never did.
XX/XX/XXXX Wells Fargo in XXXX XXXX, South Dakota, contacted me about refinancing my mortgage under a government funded program. I paid for an assessment but my application was declined. In XX/XX/XXXX Wells Fargo contacted me again to tell me that the criteria for government program had changed and that I should now be eligible for refinancing. The loan officer advised me that if I took out a loan to consolidate some of my unsecure debt my application was more likely to be approved so I did so. I also had my home reassessed because they could not use the previous assessment. My loan application was denied again.
Closing date on my credit card is XX/XX/XXXX. I made an online payment on XX/XX/XXXX that was successful. However, I late found out the payment was applied as a float and my credit balance was n't adjusted. This led to a situation where I exceeded my credit limit because it was never adjusted after my payment. 

My credit limit is still not adjusted for my payment on XX/XX/XXXX, over a full week later. I was never notified of the float, or the fact that my credit was being withheld. 

I feel this company took my payment, told me it was successful, but never applied it to my account and updated my credit. Doing this without my knowledge violates my rights as a consumer.
I received a bill for an annual charge for a card that I have not used in over a year. I did not see the bill until I received a bill the following month for a late fee and interest for the original {$18.00} membership fee. The new total was {$33.00}. 
I called and closed my account, but they insisted that I still owned them the {$18.00} annual membership fee. Every year up until now they have waived the fee, until now. 
This is not fair or customer friendly.
My complaint is about the sam club account. This account is alaready payoff and close. I am supprised because still calling me me and the account is opened.     Regards
In XXXX XXXX I reached out to Discover Student Loan asking for help repaying my student loan debt. Each time the response was the same, they can defer my payments for 3 months, which only temporary helps and causes my monthly payment to increase after the 3 months defer is over. I sent emails, called customer service and each time I get little or no help. I understand this debt is mine and I am not trying to avoid paying back my debt however I have stressed multi times the monthly payments are just not manageable! After researching student loan modification I stumbled across an article written back in XXXX stating Discover Financial Services is XXXX of XXXX lenders offering loan modification programs. something that was NOT offered to me! The article XXXX states Discover would not release details until XXXX however they plan to lower interest rates on distressed customers and may even come up with loan forgiveness programs for overwhelmed borrowers. I understand each situation is different and must be worked out based on borrowers individually to repay. I like many others are looking for a solution however many complaints show that borrowers sought to negotiate a modified repayment plan with little or no help - Why?? We are trying to repay but need help. Can you please help???
Ditech Financial T hey have sent numerous letters and to be perfectly blunt they lie. They have been given several notifications of insurance on the property and they continue to charg e Hazard Insurance. T hey sent a letter to us stating they had received our insurance information and would stop charging us and refund all back payments They continue to charge us and now are saying they never got confirmation of insurance.     I looked up top complaints o n Ditech an d every single issue we have had is the same as everyone else. They change account numbers so your payment is rejected ( I have never been able to pay via our bank correctly for over a year ) They lie about receipt of documents. They ruin your credit report and they are so incredibly dishonest. They need to be investigated and closed down.     I do not know what you can do and how this can be fixed but I am tired of fighting with them constantly. I wont even let them call me anymore because they lie on the phone so much