WillisBack/dataset-financial-user-claim huggingface dataset:
I refinance my mortgage and Hloc Loan with my bank, Bank of the west, and I never authorised they touch my car loan ( with the same bank ). However without my authorisation they included my car loan I had for 2.92 % interest rate for 5 years fixed, and I already paid for 8 month, they included this loan in the refinance without I authorised for 4.75 interest rate for 30 years. I am so mad about that, I trusted in the bank and I feel I was scammed per people to try to sell services without asked me. 
I contact the bank, itis very hard to get hold of them, all I got was a letter from the compliance department saying it is fine. But never gave me a contact to contest it.
I have made many attempts to remove debt collection company PORTFOLIO Recovery from my XXXX, XXXX, and XXXX, this Debt collection company has been trying to collect a debt i do not owe in the amount of {$1800.00} for several months. 

I have messaged PORTFOLIO Recovery several times stating that this debt does not belong to me, i have requested copy of the original contract with my wet ink signature, i requested debt validation, i have requested voice recording or video surveillance of me signing up with the original creditor or agreeing to pay PORTFOLIO Recovery or the original creditor. I requested a photo copy of my id or a wet ink scanned signature. 

I have requested PORTFOLIO Recovery to provide a copy of certified letter and receipt that they claim that was sent to me. 

This company has not provided any of this after several request. 

This company keeps sending me in the mail a computer printed credit card statement with a name similar to mine with a balance that doesn't show the purchase history, this statement doesn't show what was purchased, where or when. This statement does not show itemized items of how this balance of {$1800.00} came to be. 

It appears to a be a fake credit card statement and a fraudulent debt generated by PORTFOLIO Recovery. 

I have never agreed to this debt, i never signed any contract or agreement to pay this debt with PORTFOLIO Recovery or any original creditor. 

What methods are being used by PORTFOLIO Recovery to validate this debt as accurate?
On or about XX/XX/XXXX both my and my wife 's credit scores, for no apparent reason, dropped 12 points on TransUnion credit scores. 

After checking all of our accounts, on XX/XX/2018 I filed a Request for Investigation with TransUnion, asking them for the reason why both of our credit scores suddenly dropped 12 points. 

On XX/XX/XXXX TransUnion, under file # XXXX, sent a partial credit file of our joint accounts at XXXX XXXX XXXX XXXX. TransUnion did not answer my question as to the reason for the sudden drop on our credit scores nor did our credit scores change. 

On XX/XX/XXXX I placed an order, @ {$9.00}, for my credit score. On XX/XX/XXXX TransUnion sent me a copy of my credit score and credit file. Nothing in my credit file was any different. 

On XX/XX/XXXX I sent a letter to TransUnion asking them why the did not answer my question as to what caused the sudden 12 point drop in my and my wife 's credit score? I in the letter stated " So please, in plain english, tell us why our credit scores dropped 12 points suddenly on XX/XX/XXXX ''. 

On XX/XX/XXXX TransUnion, under file # XXXX, sent my wife a copy of her credit file and on the same date, under file # XXXX, TransUnion also sent me a copy of my credit file. 

I want to know from TransUnion why our credit scores suddenly and for no apparent reason dropped 12 points on XX/XX/XXXX. 

Please Help resolve this matter. 
Thank You.
Back in XX/XX/XXXX, I received a statement saying that Comenity Bank/Full Beauty charged me an annual subscription fee for an account I had not used in several months. I paid that charge because it was my fault for not ensuring the account was closed, and then called Comenity Bank/Full Beauty to officially close the account. However, in XX/XX/XXXX, I received a statement charging me a late fee, two days AFTER the payment due date. I called Comenity/Full Beauty to complain and was told that the fee would be taken off my account, and my account would be closed. I was told during that conversation that my account balance was zero and no payment was due. In XX/XX/XXXX, the same thing happened. I called again, and again received assurances that the erroneous fee would be removed, no payment was required and that my account would be closed. In XX/XX/XXXX, it happened again, and for the fourth time I called to have my account closed and the erroneous fee removed. THEN, I received notice from my credit monitoring service and Comenity/Full Beauty reported my account two months past due to the credit bureaus. This experience has not only made me highly critical of Comenity Bank, but of ANY business that chooses to use a bank with such poor follow-thru and attention to detail. I would not recommend them to ANYONE.
I enrolled at XXXX University 2008 ; I inquired with XXXX about cost, ways to reduce cost, ways to complete school faster. The intake person was not completely honest ; she said I would graduate in two years using transfer credits and life credits. This was not accurate. She failed to tell me that life credits are not free that they must be paid for out of pocket, and that I did not have enough credits to graduate in 2 years. Once I discovered the fallacies I was already in for almost 2 years, so felt I should continue. Once I graduated I had a debt of XXXX and my loans serviced by XXXX XXXX, now Navient. I called them repeatedly for assistance in repayment options ; they kept putting my loans in forbearance or deferment, without letting me know that interest was accruing. My student loans are now at XXXX ; I will never be able to pay this off. We will have to sell our home to help pay this off so we do n't take this into retirement. I am so disappointed that I was not given accurate information and assistance from the beginning. Is there any recourse for this ; I am more than willing to pay for my original loan, but all the interest has doubled the amount. I am not sure how to even begin at this point.
In this  XXXX , I opened a new checking account with Regions bank as the promotion required. I met all requirements in the first month but I have n't received the opening promotion offer of {$400.00}. When I contacted the bankers recently, they told me additional terms which were not on the promotion at the time when I received and then told me I didnt qualify it now.
I recieved a payday loan to help pay for bills while i was out of work from a car wreck in 2014. I was out of work for 5 months and a settlement against the man that hit me is being processed. I couldnt be homeless with my daughter. I have made some payments to them but they said it doesnt count. Since then, I have been Receiving threatening emails saying they are sueing me and making an arrest warrant for me. A few months ago I tried settling with them and the yelled at me and harassed me and my work place.
XXXX XXXX XXXX billed me for services I did n't authorize Since day one I asked for proof of authorization and I will gladly pay this off. All they have is an itemized bill that XXXX XXXX made up and sent to them. No signatures or anything on mybehalf. 

I spoke with XXXX XXXX today. She is a manager in the billing department and the one who has been handling my case. 
She let me know that as of today they only have an itemized bill. This has been the case since day one. 
She always states that they requested proof of authorization from XXXX XXXX office and they are still waiting for it. I asked if theres a timeline or deadline given to their office and she said no. 
So I am just supposed to allow this to remain on my credit for as long as they want to i guess. 

I called back and asked to speak to another manager. They connected me to XXXX XXXX on XX/XX/XXXX @ XXXX He provided me with a record of dates of when I called. ( listed Below ) He then said that I needed to write a written letter within 30 days of them receiving my file which was on XX/XX/XXXX to let them know I 'm contesting it. But if you look at the dates, I called 2 days after it was submitted to their office and no one let me know about this written protocol. 

I 've always been told by XXXX XXXX that once the Dr office can not prove authorization then all negative marks on my credit will be removed. 


XX/XX/XXXX Date claim received at Capital Accounts Calls by me to Capital accounts for updates and information XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Capital Accounts XXXX ( XXXX ) XXXX XXXX XXXX XXXX Letters can be sent to : XXXX. XXXX XXXX XXXX TN XXXX XXXX Initial billed amount : {$2500.00} Current amount due : {$2700.00} Collection sent from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
On XXXX XXXX, XXXX I received a call form a lady pretending to be with the office of pretrial of investigation. The lady said her name was XXXX XXXX, she received case from attorney XXXX XXXX, who was attempting to collect a debt for a loan from XXXX XXXX. XXXX XXXX said, they had me on surveillance camera, they were coming to arrest me, she used the words felony, fraud, promissory, it would cost my family more to bail me out of jail. She then told me the best way to send the money was thru money gram. I went on the morning of XXXX XXXX, XXXX to the Walmart on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ; wired {$1000.00} to XXXX XXXX, to some XXXX XXXX, whom assumed to be some attorney working on behalf of some loan company.
I was XXXX with the XXXX and requested that my account be freezed and citi bank failed to honor this request, hence I have late payments being reported for 60 days while on XXXX. According to The Servicemembers Civil Relief Act of 2003 ( SCRA ) replaced the Soldiers ' and Sailors ' Civil Relief Act of 1940 deployment of more than 180 days constitutes a hardship requiring creditors to defer or freeze payment obligations of military personnel.
My wife was in an apartment at XXXX XXXX and i had signed for the apartment so she could have a place to stay and she apparently left the lease early and now it has affected me This was in XXXX and it is over 7 years old and i would like this removed from my credit report
During the years XX/XX/XXXX-XXXX I applied for and received student loans served by XXXX XXXX and later turned over to XXXX and still later to Navient in the amount of {$5700.00} ( total ) in order to take classes at our local XXXX college while navigating single motherhood and working part-time. I made regular, scheduled payments on these loans as required until XX/XX/XXXX. 

In XX/XX/XXXX I registered for XXXX XXXX XXXX based on their advertised program accreditation and their claims to a high percentage of graduates placed in well-paying jobs. I took a student loan in XX/XX/XXXX for {$10000.00} for tuition at XXXX XXXX XXXX The loans were processed with a series of payments and adjustments which were confusing and impenetrable. On XX/XX/XXXX there was a disbursement of {$10000.00}, followed 8 days later by a payment of {$4500.00} ; on the same day there was a disbursement of {$13000.00}, and an adjustment of {$7800.00}. As of XX/XX/XXXX the total amount with interest that I owe is {$24000.00}. 

I continued to work toward a degree through the XXXX XXXX XXXX, make loan payments, work full-time, and raise a child on my own until XX/XX/XXXX XX/XX/XXXX when I lost my job as the XXXX XXXX  XXXXXXXX at a local non-profit. During this time Navient took over the processing of my loan, and I began to receive threatening documents from Navient saying they would garnish my wages and seize my bank account, but that I could easily cancel these draconian actions by deferring payments. Over the course of the next few years, whenever the deferment period was ending, I would receive emails from Navient stating that to continue to defer the loan, I could just click reply and type the work YES. There were never any suggestions of loan modifications or alternate ways to pay down/off my loan. 

During the recession that followed, I continued to struggle for employment and under the debt load which had fallen on me during this time, so I continued to accept the periodic easy deferments offered by Navient. I was forced to declare bankruptcy in early XX/XX/XXXX. I originally sought to declare bankruptcy in XX/XX/XXXX, but it took me many years to save enough money to cover the lawyer and filing fees. 

Almost fifteen years on, I have no degree from the fraudulent XXXX XXXX XXXX and a student loan load of some {$25000.00} - despite years of payments - weighted with the accumulated capitalized interest of a decade of deferment. 

Navient clearly failed to inform me of all of the options at my disposal to discharge my debt. Without a XXXX degree, it has become almost impossible to finding meaningful work that pays well enough to live on, especially as single parent. The sneaky and deceitful tacits employed by Navient to line their pockets by strong-arming me into multiple deferments without all the fact has essentially financially hobbled me and my family. I respectfully request that this loan be forgiven.
I paid XXXX XXXX XXXX for a XXXX Collections for XXXX XXXX XXXX on XXXX XXXX and they sent me a letter of confirmation however they are still reporting that I owe this money on my credit report. 

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Partial Account # XXXX ... 
Address Identification # XXXX Original Creditor XXXX XXXX
I have never entered into a contract with this company. The organization that they are collecting for I have never herd of as well as never attended their program. The address they have on file is not mine and is a XXXX XXXX in another state that I have never lived. The coments states it was included in chapter XXXX bankruptcy. It shows a high/limit of {$380.00}. This is not my account and this collection agency has failed to validate alleged debt.
On XX/XX/2018 I made an inquiry to an on line company about refinancing my home. I talked to the agent on the phone to get basic information. With out my consent or knowledge a Hard credit inquiry was run which has adversely affected my credit score. This is in error and will stay on my report for 2 yrs. The company used to do the credit report was : Credit Plus, XXXX, MD XXXX XXXX Any help in this matter would be appreciated. 

Thanks XXXX XXXX
I initially called Kohl 's credit customer service in XX/XX/XXXX and was advised a XXXX   was issued on my account and that the debt owed was forgiven. 

I called for 2 months weekly trying to get a copy of the XXXX sent to my proper address. Weekly, I was told it was mailed. Never received. 

At the beginning of XX/XX/XXXX, I finally received it and the CS representative admitted those were requests and it took a long time to actually be mailed. 

The information on it is incorrect. Balance and account number are not mine. 

After multiple calls, speaking with unknowledgeable representatives, they told me I would receive a fax stating the error and that my account was issued a XXXX   forgiven debt notice with my name, balance, and account number. Never received. A rude supervisor told me I wasn't being patient enough a week after it was promised within 24 hours. Never received. 

Today, taxes are past due. A corrected form was never received. Who knows if it was issued. I want a corrected XXXX sent to me with TRACKING to verify its location. 

It's quite scary that Kohl 's maintains such poor records and practices and constantly blames it on another department or their partnership with Capital One, now placing me at risk of tax audit. 

The balance continues to be reported on my credit reports and verified incorrectly by Kohl's/Cap One. A forgiven debt would mean {$0.00} balance, however, your documentation does not even match the account. 

Under the FCRA, Kohl 's is required to conduct an investigation on this account if I request it and provide the original loan application with my signature, original executed notes, history of payments, and any other documentation they may have verifying the legitimacy and accuracy of their incorrect verification and reporting of the account as stated above.
this XXXX XXXX at XXXX is claiming i opened the account i have her inforamtion and im about to file suit against that lady in XXXX and XXXX i never opened this account i was in XXXX till XX/XX/XXXX and was in a XXXX XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX with a XXXX XXXX couldnt leave my work and was in XXXX 45 mins from this dealership she needs to investigate properly and remove this account shes XXXX XXXX and she called me a XXXX XXXX and a XXXX XXXX when i called her two weeks ago told me im not american i was born in this country and i served this country in XX/XX/XXXX
i feel XXXX over charged me disconnection fees for lines that where prepaid. now that XXXX doesnt have disconnection fees for there new customers, im left with the bill. this bill is about 7 or 8 years old. no one has called me about it. nor have i received any type of detailed bill explaining what i owe. even when i go to XXXX they cant find anything on my case ...
Two weeks ago I contacted Wells Fargo because I am late on my car payment. At that time the car payment was approximately 45 or so days late ( actually I do n't know the exact # because Wells Fargo would n't tell me ) but as of today I was notified of a 60 day late on my credit report. I tried to make a payment with Wells Fargo but they would not take it. I believe they wanted XXXX payments which at that time I was unable to do that but I was willing to set up a payment XXXX for the XXXX and XXXX for the XXXX which is coming up. They refused. I hung up and called back thinking I might get someone willing to work with me. They transferred me to a Manager and he said he was the only person I could talk to and he was not working with me. ( not in those exact words ) but he showed no interest in working with me or taking my payment. ( Fast forward ). I have a XXXX car garage ( tandem ; XXXX car in front XXXX in back ) but I ca n't close the garage because I have items in the front spot so XXXX car sticks out. The Manager never mentioned anything about repo and my intention was to pay the back payments this Thursday the XXXX so my intent was not to hide the car because if it were I would have parked my other car on the street and closed the garage. I park this way all the time because XXXX cars can not go all the way into the garage. Well Friday XXXX at XXXX someone came banging on my door yelling for me to give him the car. I was at home alone therefor I did not open the door. My Jetta was blocking the Toyota so the only way for him to have seen the car was to enter the garage. He continued to bang on the door making loud noises and when I finally opened the back door he was sitting in his truck blocking my garage and blocking my other car. I asked him to leave and he refused stating " he will sit there all night '' he was disturbing the neighbors with the yelling and the loud noise from his truck. I eventually had to call the Sheriff 's to get him to leave. I am not sure but I could swear that the voice was the same voice of the manager I spoke with on the phone a couple of weeks ago. In my opinion it seems as though Wells Fargo employees are getting kick backs for repossessing customers cars because the voice sounded the same as the manager that would not work with me. Please investigate this because if that is what they are doing Wells Fargo needs to be aware of this practice. Also, I am not sure if a repo man can come bang on your door at XXXX and demand that you give him the car. I do n't know the rules .I want to call Wells Fargo to try and work something out but I am afraid that that same person will answer the phone. I simply want to know my options so I can decide if I want to keep the car or turn it in. In addition Wells Fargo put insurance on the loan for a month but have spread the payments over the deration of the loan ; meaning I am paying 13 % interest on the insurance because I am paying 13 % interest on the loan. It 's bad enough that the car only cost XXXX and I have been paying it since 2011 and I still owe XXXX. And they would not work with me to rewrite the loan when I asked, when it was current.
Hello, On  XX/XX/XXXX  2017 I paid my minimum payment on my Target Store Card account. Then in an attempt to avoid interest on  XX/XX/XXXX 2017, I made a payment of {$120.00} to cover the remaining balance using a new checking account via Target 's website. I was unable to copy and paste my account number as Target 's website would not permit me to do so, but I was able to copy and paste my routing number. Today ( XX/XX/XXXX  2017 ) upon checking my bank account I noticed that the funds for my Target card were not withdrawn. So, I checked my target card and noticed there was a return payment fee of {$27.00}. I immediately called the number located on my Target card and was informed that my check had returned " unable to locate the account. '' I asked to have this fee waved and the representative refused. I then asked for a supervisor and was transferred only to be disconnected. I called back and spoke with  XXXX  who sounded helpful and she waved my interest fee as she said it was a mistake on Target 's part and I should not have been charged, but she could n't wave the return check fee. I asked for a supervisor and she transferred me to  XXXX  employee ID  XXXX . I explained the situation to  XXXX  and she also refused to wave the fee or transfer me to another supervisor ( she said no one would help me ). My check was NOT returned for insufficient funds. Target was probably not charged any fee for this returned check. I had previously made my minimum payment and was just making an extra payment to cover the statement balance. I believe that this fee is unjust and should not be charged.
In 2008 XXXX XXXX credit card forewarded a debt balance of {$110000.00} to NCO Collections Agency, l was out of work with no way to pay this debt, that accrued from XXXX XXXX credit card company. As NCO perused collections attempts from me, they decided to forward my account to their sister law firms. As NCO Collection persue to collect this debt, the debt increased with time. For each law office they sent the debt to. 
Fees, late charges, mail handling, and any other fee they could claimthe debt to this card added up. NCO also decided to garnish my wages while l had no job, and was unable to find work? The fees kept being added, until they thought to send garnishments to more than ( XXXX ) XXXX banks throughout the entire state of Oregon. I received return receipts for each and every letter they sent. The action they took rattled my nerves, how am l suppose to work to pay them the debt now it 's adding up to amounts unknow. Each time they sent me a letter l would respond. If you check with the XXXX XXXX courts you will see how many garnishments they sent against me In their letters it said l owed the balance at the present time with accruing interest rate of 9 % annual, with no end in sight to explain or allow me to ask questions. Like where are the payments l made before NCO Collection Agency stepped in? Being unable to find work l decided to forgo trying to work this debt out, due an increase every year onto the debt of 9 %. Once attorney General XXXX created these consumer protection laws for us l 'd be crazy or sick with stress wor ring how to pay this off so it became hopeless for me and I gave up and let XXXX step in, so here l am in this complaint from at this time.