WillisBack/dataset-financial-user-claim huggingface dataset:
RE : Portfolio Recovery Associates    XXXX    Acnt #   XXXX   RE : Portfolio Recovery Associates    XXXX   XXXX   XXXX    Acnt  #  XXXX   Portfolio Recovery Associates i s currently attempting to collect a {$4400.00}   XXXX    XXXX  debt ; however, although it is  XXXX  debt/collection they have it reporting as  XXXX  debts/collections, the account number they are reporting on  XXXX   &   XXXX  is different than t he one on  appearing on my  XXXX  report ; because of this, when a tri-merge is pulled it is counting as  XXXX  different and separate collections/debts.     Furthermore, the amount they are collecting on is inaccurate. I ma de 2 fin al payments to  XXXX   XXXX  prior to the account going into collections, so even the {$4400.00} is wrong too.     I simply wish f or Portfolio Recovery Associates to discontinue collection, and request whatever information it reported to whichever credit bureaus it reported it to, to be  removed.
Experian keeps reporting a deleted collection as accurate. The collection agency deleted the account and XXXX removed it but not Experian. I have been trying to contact Experian about this and they still keep reporting as of today. I have proof that the account is inaccurate and not mine. I have submitted a dispute numerous times and they wont delete it, even though the agency deleted it from all 3 bureaus. According to the FCRA, incorrect, inaccurate, unverified accounts must be deleted from credit reporting but Experian isnt following the law.
I did created a complain about the difficult and challenges I was having with XXXX XXXX XXXX with Debt issue back in XX/XX/XXXX who hired XXXX XXXX XXXX XXXX. XXXX XXXX XXXX in XX/XX/XXXX to send me to court and I was not able to show up ( Complain with your entity cases XXXX, XXXX, -and XXXX ). Court granted them the case and they were very difficult and harassing me all the time since XX/XX/XXXX. I tried a couple of times to negotiate debt with them but did not want to take my personal previous offers. I used a XXXX XXXX XXXX XXXX ( XXXX office at XXXX XXXX XXXX, XXXX   XXXX. XXXX.Tx. XXXX ph # XXXX ) to help me settling issue back in XX/XX/XXXX. I paid them {$5000.00} and they were supposed to and think negotiated with XXXX XXXX XXXX  to clear issue. Since XX/XX/XXXX looking at my credit reports I did not see anything about the Civil Judgment in my records. 
Suddendly, this past Monday XX/XX/XXXX my Bank Account have been garnished not allowing to touch account and I need to pay XXXX obligations. 
I received and email I need to contact the Law Office of XXXX XXXX in regards to my Garnish. I checked and found out XXXX XXXX XXXX had sold old " account '' case to XXXX XXXX XXXX XXXX, XXXX. who hired Law Office of XXXX XXXX ( ph # XXXX ) in regards to my Garnish which comes from Court order case XXXX in XXXX County Civil Court XXXX. 
They are demanding to pay previous Debt of {$10000.00} plus attorney 's fees # XXXX plus 24.99 % for the entire term of debt since XXXX XXXX, plus post judgment fees of 18 % on the principal? of 07.25 %. 
I am really devastated because I already lost {$5000.00} which I thought were used to stele previous amount with XXXX XXXX XXXX and now a new XXXX XXXX XXXX XXXX XXXX, XXXX is using The Law office of XXXX XXXX Texas Bar No. XXXXlocated at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX.Tx. XXXX. Ph # XXXX. 

Please I really need advise because it seems like these entities are trying to take advance of hard working people like me. It seems like they said the total amount of Debt is running in the {$70000.00}. I am a family parent trying to do the right thing but I do not want people trying to take advantage of my situation. 
Greatly appreciate your support. 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX XXXX.Tx.XXXX
On XX/XX/2018, XXXX XXXX XXXX XXXX in XXXX XXXX, Minnesota pulled my credit report from Experian/XXXX XXXXXXXX. My credit score was over 100 points less than what I know my score to be from several other sources. This lower score ultimately affected the rates that this credit union was offering me for an auto loan.
On XX/XX/XXXX I applied for a loan, with XXXX cash. I went on line. and the manager XXXX XXXX XXXX sent me an email. to me stating she was Not going to let me apply for a loan due to a loan was taken out in my name in XX/XX/XXXX. stating that, was the reason. Not letting me come in and make arrangements or proving that person was not Me. She has since XXXX XXXX, and she used all of the information that was in my files, to get cars. loans and other items. She XXXX two months ago, and before she XXXX XXXX. she told me she was sorry she had done this me,. and other people with the same name and almost the same social security number. So XXXX XXXX should have told me to come in with the report from the credit bureau to show this adversity had been on my account some while. and alerts have gone out for this matter, XXXX XXXX being a lazy and incompetent manager, did not even look for that at all. she simple turned me down and kept going. and she wrote to me a sleazy statement and stated to Me she was not going to let me have a loan. Ok, that is a form of discrimination due to the fact, I have the paper work to show I am not that person and information on my credit files have been damaged. she did not do that for me. the solution should have been to come in and show the files and start from there, or work a payment plan for the remainder of the loan. this lady did none of that. I want to file against this company for alleged information and not looking forward to the correct information that has been placed on each of my credit files. She should have done a better job in her research and not turning people down. she is not supposed to do people like that Is n't she in business to perform. her Job. she could have state home today with her derogatory statements Because i CLEAR DID NOT NEED TO HEAR THEM. SHAME ON YOU DO A BETTER JOB NEXT TIME.
I withdrew from XXXX University on XX/XX/XXXX., When I  withdrew It was due to the fact that I had been placed on academic probation and told that my Financial Aid would not pay for my next two-semester Tuition payments, They said I must pay cash. I am barely able to put food on the table so there was no question, I had to withdraw. When all of this took place I owed my loan servicer XXXX on one loan and XXXX on another. I never attended another class after this, yet, my loans were increased to XXXX and XXXX and I had no idea until I looked at my credit report today.XX/XX/XXXX ... these loans were increased in XX/XX/XXXX I was never notified at all, and i never recieved any additional funds! XXXX XXXX XXXX
Not a complaint but a question : I currently have a safe deposit box in the XXXX XXXX Branch of Santander on which my 2 out of town sons are co-signers. Because the branch is closing, I have to open a safe deposit box in another branch in XXXX XXXX. I have been told that in order to have my sons on my account, they have to be there in person ( at the same time ) in order to sign which is not possible. My question is whether this ruling is a federal or state law or whether it is simply a requirement of Santander. My feeling is that since I am being forced to close my safe deposit box which I have had since 1968, that Santander should move the signature card to my new account. They won't even consider having the signatures on the card notarized by my sons in XXXX and XXXX. 

I would appreciate your advice on this matter. 

XXXX XXXX XXXX
I am again reporting an issue with American Express and their collection practices. I have informed my single point of contact before that they CAN NOT call my Cell Phone during work hours ( XXXX - XXXX Central ) and that I will get in trouble if I answer a call. I am REPEATEDLY getting calls from American Express during these hours on work days ( M - F ). Since I documented this once before in a CFPB complaint, and this is now my second time for the same complaint, I am beyond frustrated. In addition, my SPOC called both my daughter and my mother on THEIR cell phones today. The voice mail left on my daughter 's phone, which EXPRESSLY states her name ( XXXX ) stated that " this is an important message for XXXX XXXX, XXXX this is ( XXXX name that I can not decipher ) from American Express, calling reference to your account that has been assigned to my unit. You have not responded to my previous attempts to call you and time is of the essence. I need you to call me as soon as possible at ( XXXX ) XXXX. '' This individual is contacting a 3rd party, on her cell phone without her permission, and stating his name, his employer, and references my account. He is not attempting a skip trace and did not state that he was attempting to locate me. He, in fact, left the exact same voice mail on my DAUGHTER 'S CELL PHONE as the one that he leaves ME on MY CELL PHONE during work hours ( he called during work hours for my daughter as well, who ALSO can not answer her phone during work hours ). He also called my MOTHER 'S cell phone, which is under my contract with XXXX, but again has no permission to call this cell phone. He left a message for my mother ALSO identifying that he is calling from American Express. Again, he called during work hours. I am waiting to hear from my other children to see if he has contacted them on their cell phones. All the while, I make my monthly payment to American Express and am reported as current. I called this evening, when I got off work ( still in the parking ramp in fact ) and left a message for my SPOC stating AGAIN that he can not call me at work / during work hours and that I WILL get in trouble. I stated that he does NOT have permission to call my mother 's cell or my children 's cells which I pay for. I again reiterated that I have stated this before about not calling during work hours and that I can not answer and that I will get in trouble. I repeated that he does not have permission to call my children 's or my mother 's cell phones and that these phones are on MY plan and that I pay for them. I do not have issue with working with American Express, and have been making my monthly payments and am trying to dig out from my hole. However, these continuous calls from my SPOC, during work hours, after I had stated clearly that I can not answer during work hours AND him now calling my children and my mother on their cell phones alerting them to the fact that I have a situation on my account with American Express is beyond ok. This seems to be outside the bounds of the Fair Debt Collection Practices Act.
I have been working with Ocwen for months trying to do a short sale on my home. I have been seeking a mortgage resolution for years with Ocwen. I have a letter form Ocwen dated XXXX/XXXX/XXXX suggesting that I seek a sale price of {$50000.00}. On XXXX/XXXX/XXXX, I received an offer from a buyer to purchase the house for {$60000.00} which is {$600.00} more than the suggested price. On XXXX/XXXX/XXXX, I received an email form Ocwen 's lawyer that they were foreclosing on my home and I had n't even received a reason why the short sale was denied. This seems to be an abuse of authority and an unlawful practice. The short sale should have been accepted leading to a positive resolution for both parties. I feel like I was given the runaround just so Ocwen could foreclose while I was distracted with the mortgage resolution process. I feel like I was taken advantage of. The lawyer, XXXX XXXX, asked me to sign a consent judgement so they can just foreclose on my home without proving me with an explanation as to why I could not do a deed-in-lieu or a short sale agreement.
DiTech transitioned us from bi-monthly payments to monthly payments when they discontinued that program. Somehow, during this process, they had to reallocate funds which is making our account show as delinquent. Which it is NOT. We have called at least 4 times and every time they say it is there error and that they will pass it on to a supervisor and correct it. Then a few weeks later we will get another delinquent account letter for a higher amount. This most recent letter was for {$9300.00} but when I called, it had increased to {$10000.00}. I spoke with a supervisor, XXXX, employ number XXXX who assured me that he understands the severity of the situation but also informed me that they have reported us to the credit bureaus. It 's absurd, we have NEVER missed a payment. We have worked so hard for our credit score, my  husband is XXXX and was literally offered his dream job today contingent on a credit investigative report and I came home to this mail. I am in a near panic. We have been trying to get this resolved for months and I was assured on my last call several weeks ago that it would be resolved and it WAS NOT. It should be illegal to do what they are doing. This is 100 % their error.
Navient LLC, a debt collector, has failed to respond to my numerous demands to cease and desist. They have invaded my credit Federal Credit Report, and continued to send threating letters, as well continued harassing me with phone calls. They have contacted other family members in connection to this alleged debt, via emails and phone calls, family members that are not associated with the matter in any way. 
Navient LLC is under some delusion they are not a debt collector, and not subject to the FDCPA, because the purchase, sale, or transfer of the alleged debt took place while " it was not in default ''. I again demanded Navient send me information with a dispute letter in XXXX, which was ignored, and again in XXXX, which thus far remains unanswered. The alleged loan was in default as far back as 2011, and any records Navient LLC has obtained are either incomplete, inaccurate, or they have not done a meaningful review. Either way, they have not answered properly in any case. In addition, the conflicting information received from Navient, as to who they are, has prompted me to file a FTC Identity Theft Report # XXXX. In one letter they are a servicer, the next an assignee. They say they are not a debt collector, but include a mini Miranda at the bottom of the letter. Navient 's lack of correct information, and confusing letters, warrants an investigation by the FTC as to how my personal private information was obtained w/o my authorization or knowledge. 
In any case, Navient LLC is not a creditor of mine, and even if they are working for another entity that purports to be a creditor, they would both be regulated by the FDCPA, and will abide by the provisions of such. I have on numerous occasions asserted my right to dispose of this matter under 15 USC 1692c. I have disputed the alleged debt. Navient 's only response is to continue sending me threating letters, and harassing me with phone calls, saying they do n't have to stop, and that I have no protection from them, along with threats of a lawsuit.
i have fraudulent names, inquiries, credit accounts, names and addresses that I have disputed and Experian XXXX and XXXX will not remove. 
please help me as I am a victim of fraud an after filing with the FTC I still can not get help from the credit reporting agencys
The company flagship credit hired a man that claims to be a criminal investigator. He has threaten to put a warrant out for my arrest as well as threaten that I have a class XXXX felony against me. He will not give me his name but continues to ask me to contact the comoany. This is against fdcpa. I have already notified flagship about the owner of the vehicle due to me being the cosigner. They still contact me over 15 times a day as well as other family members and harass me. I am going to seek legal action because this have put me and my family in a horrible situation. I have a 3 month old son that I take care of. I do not work and I asked them several times to stop contacting me.
My issue stems every time XXXX is challenged my score suddenly drops often by 38 points. I review my report I find no justification for score drop. XXXX has in past few months been unable to complete or correct loan matter 's. Since the issue with XXXX became open to the public about hacking issue I've has difficulty keeping my account up to date.
On XX/XX/XXXX I mailed Equifax a dispute. Equifax mailed me a request dated XX/XX/XXXX, for proper ID info I included in my initial dispute ( see attachments ). This is an obvious delay tactic and a gross violation of FCRA rules. Equifax has failed to respond in the 30 days provided by the FCRA and must delete the items in question. 

The items are as follows : Equifax ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized PUBLIC FILINGS XXXX not mine
A company that goes by the name of Transworld Systems Inc. has been calling me repeatedly for the past two months, usually XXXX a day. I only answered the call XXXX and the representative I spoke with was attempting to collect an alleged debt owed to XXXX XXXX. I refused to give them any personal information and contacted XXXX directly. As I suspected, I owed no balance to XXXX XXXX never have ) and was not on any " do not rent '' lists. The representative I spoke with at XXXX was concerned because they said they have received multiple calls from other customers who were made to believe they owed a debt that they did not owe. I am concerned because I did rent a car from XXXX last year, so I am lead to believe that somehow Transworld has hacked XXXX system to get names of renters or obtained personal information about me from XXXX somehow.
I signed up for a business checking account for my son to start a new t-shirt, screen printing business with Wells Fargo Bank XXXX/XXXX/XXXX. I deposited {$2500.00} to open the account, which I thought was a simple checking account. The business was in my son 's name and registered in the State of XXXX, I live in XXXX. 
On XXXX/XXXX/XXXX I went into the local Wells Fargo branch and met with a Banker to remove my name from the checking account and leave it solely in my son 's name. I completed the paperwork with the Banker and thought that would be my last involvement with the account. 
About the 3rd week of XXXX XXXX, I received a call from my son in XXXX stating that Wells Fargo had contacted him regarding his outstanding balance of over {$9000.00} and that I was personally responsible for the balance which was on a credit card tied to the checking account. I never signed up for a credit card on the checking account and had removed my name from the account 9 months earlier. 
The final result of this was that Wells Fargo charged {$1300.00} in overdraft fees and almost {$1900.00} in finance charges in the approximately 9 months that the account was supposedly in the hands of my son. Wells Fargo came after me for the $ XXXX and eventually I agreed to pay {$9000.00} to avoid the ongoing monthly charges and the ding to my credit each month. 

They said I agreed to this credit card on the checking account and that when I removed myself from the checking account I should have also told them that I wanted myself removed from the credit card. How could I possibly ask to do that when I did n't even know there was a credit card attached to the checking account? Should n't the Banker I worked with to remove my name in XXXX XXXX have told me that there was a credit card attached to the account and that I was responsible for any activity in spite of removing my name from the account? 
I feel I was told to sign things which were not explained to me and should not have been responsible for anything more than a simple checking account with an initial deposit of {$2500.00}. 
I plead my case with the local branch manager, the local District Manager and his Boss in XXXX and was told I had signed the forms and I was responsible, no negotiation. 
I feel Wells Fargo owes me {$9000.00} and a full apology for the time and aggravation they put me and my son through.
I have disputed and am still disputing this late pay with XXXX XXXX. Until Today, I was unable to find all the proof I needed. Now I have it ... This late pay XXXX XXXX Keeps Reporting needs to be removed from my credit report. It is a 30 day late payment from almost 2 years ago. That is how long I have been asking them to remove it. I had to search old emails to find this. On the attached email, you will find the XXXX representative who assisted me, as well as the the TAX office person who assisted me. This XXXX representative was very helpful, in submitting this error to the credit department for removal. However it still has not been removed. What happened..Due to a tax exemption, XXXX was overcharging me. They eventually straighten it out and even sent me money, however they somehow charged me a 30 day late in the process. During this, I was told I did not have a payment and cancelled a check. XXXX is saying this is returned check, which is not true, as the money was already in escrow. Im asking XXXX to do the simple and right thing, and remove this one late pay as they promised. Please talk to the XXXX rep. She was very helpful and promised to assist me in getting it off my credit report. She stated it was being handled, before she changed departments and that it was submitted already for removal.
Transunion took {$1.00} from my checking account on XX/XX/2017 followed by {$19.00} on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 
Neither my husband or I could recall establishing an account with these people. 
It is possible after the XXXX scare they were used to see if our accounts had been compromised or may be it came from a loan application. 
Needless to say when I called to question the charges they initially would notn identify who they were, and what services they were providing. I also asked just were my call had been directed and expressed my feeling this was a scam or an attempt at identity theft. She still remained cryptic then they demanded my SSN which I refused then it went to just the last 4 numbers, then they wanted my credit card number charges had been made on. 
After a continuous run around while talking to her I XXXX   Transunion and found a site the appeared to be ligitament ... so I reluctantly gave her my SSN. This was the only way I could get the charges stopped ... My complaint is how can they charge me something I didn't want and put me vulnerable to financial/identity theft to get the charges stopped.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
( XXXX ) XXXX NOW Account # XXXX. ( XXXX, XXXX, Transunion ) XXXX Account # XXXX ( XXXX, XXXX, Transunion ) XXXX XXXX XXXX Account # XXXX, ( XXXX, XXXX  ) ( XXXX, Transunion ) XXXX XXXX XXXX Account # 1 ( XXXX, XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX, Transunion ) XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX, Transunion ) XXXX Account # XXXX
I am having issues with old addresses and information not current or accurate on my credit report. 
My name is XXXX XXXX XXXX My SS is XXXX My DOB is XX/XX/XXXX My Employer is XXXX I have am no longer associated with the following addresses please delete them the are not accurate. Please remove me from all per-screen products and OPT OUT my name of data base services. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX