WillisBack/dataset-financial-user-claim huggingface dataset:
I received calls from this alleged company on XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. It was left in the message that if I dont respond or comply, then they will take legal action etc ... I also called the comapny back to confirm of the call I was insulted with this statement " its sad that you dont even know about your own debt ''. My reply back to the person " Sir I dont know if you were trained properly but that is not how you properly deal with customers and will be notifying the proper authorities in reagrds to this ''. The person called back in which I didnt answer the phone. When I checked my voicemail it was music playing in the background from a T.V. Show theme.
I do not have any children not sure why the credit bureaus will not remove child support from my credit report ; Illinios Child Support # : XXXX is reporting invalidly and I would like it removed as soon as possible. Not only do I not have any children to my knowledge child support isn't a contractual debt of goods, services or monetary value so why would it be reported to bureaus anyway? Every bureau removed it except for Experian
In or around XX/XX/XXXX, my former XXXX XXXX credit card account was turned over to Portfolio Recovery Associates, a Debt Buyer in XXXX, VA. 

Portfolio Recovery began reporting this alleged Collection Matter to all national credit bureaus, in or around XX/XX/XXXX. 

Portfolio Recovery blatantly misrepresented this alleged Matter from the very beginning, by reporting it as a Brand-new Collection Account, each and every month. 

They did this in : XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX ; then, in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. 

As Portfolio Recovery is a Collection Agency to begin with, if an account is with their office, then it is automatically a Collection Account. 

Reporting the Collection Account as being a Brand-new Collection each and every month is a blatant misrepresentation of factual credit account activity, and an attempt to make XXXX types of negative reporting 's, on the same account, at the same time. 

Following my Disputes regarding this Matter with numerous Consumer agencies, I observed that XXXX, as of XX/XX/XXXX, removed the inappropriate reporting 's of " Collection '' from XX/XX/XXXX through XX/XX/XXXX, a total of XXXX reporting 's removed. 

However, XXXX continues to report ( as well as inappropriately reports ) this same Matter as being a Brand-new Collection as of XX/XX/XXXX. 

This is a lie. 

If Portfolio Recovery reported this was a Brand-new Collection beginning in XX/XX/XXXX ( 11 months ago ), IT IS NOT a Brand-new collection almost one year later, in XX/XX/XXXX. 

This is nothing more than an underhanded maneuver by Portfolio Recovery to " update '' this alleged Matter by one year, thereby significantly increasing the negative effect on my credit scores. 

Further, as Portfolio Recovery has removed the XXXX ( XXXX ) highly inappropriate reporting 's following my Disputes of this Matter, this would clearly indicate that the prior reporting by Portfolio Recovery was in fact inappropriate ; that is why they removed it. 

This would bring significant doubt as to the credibility of Portfolio Recovery, and their credit reporting, as a whole. 

Last but not least, Portfolio Recovery reports an alleged balance of {$2000.00} owing on this alleged Collection account, to XXXX. 

However, at XXXX, an alleged balance of approximately {$1400.00} is reported ; a difference of nearly XXXX XXXX dollars. 

This represents a very significant discrepancy in credit reporting between XXXX different bureaus, by the same alleged creditor. 

Given the multiple occurrences of contradictions and discrepancies in their reporting of this alleged Matter, I respectfully request this Matter be fully removed from all major credit reporting bureaus.
This is not my debt, this is my brother 's debt. This company ( Navient ) has obtained mine, as well as my husband 's information and has been contacting us. I have already told them I do not know where my brother is and asked them to stop calling me, but they have persisted. I am on the " Do Not Call Registry '' and have made a formal complaint with them as well. I have made multiple attempts to contact them regarding this issue and have been hung up on, lied to, and treated poorly. I attempted to block their calls, but they call from a different number every time. This company seems to be looking for contact information for anyone who knows or is related to the debtor. It is completely inappropriate to harass innocent people to get what they want.
I have been getting contacted by an agency called " GC '' Services and they will not tell me why they are calling me. I am not past due on any accounts that are owed and will not provide me with any information.
For nearly a year, I have been unable to access my FICO score online as promised by American Express. I contacted American Express several times during this time period, and after each call, I would check my FICO score online, and each time I would be unable to access my score. More recently, I made telephone calls to American Express at ( XXXX ) XXXX regarding this matter. The most recent of these telephone calls resulted in the following tickets being opened : ticket # XXXX opened on XXXX/XXXX/2016 and ticket # XXXX opened on XXXX/XXXX/2016. To date, XXXX/XXXX/2016, I am still unable to access my FICO score despite repeated calls to American Express customer service ( XXXX ) XXXX.
My inquiry to the County Recorder of Deeds and U.S. Bankruptcy Courts confirmed  XXXX , Experian, nor  XXXX  has ever validated or verified these public record entries on my credit report, neither will they ever be verified by the courts. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I request that the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given  XXXX , Experian and   XXXX    multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated. I am hoping this matter will result in the removal of the bankruptcy from my account.
In the beginning of XX/XX/2018, I received alerts informing me that my XXXX credit score went down 73 points and XXXX credit score went down 43 points due to a balance increase. I contacted XXXX XXXX asking for additional information and I was advised that the loan is still current but the interest capitalizes each month which calculates in an increase in the balance. However, they do not have control on how the credit bureaus calcuate the scoring for credit reporting. I immediately contacted XXXX and was advised that the loan is showing it showing deliquent status ( although I am showing it was current during the time of the 73 point reduction and to current date ). I proceeded with a despute and recently received a letter containing my credit report, no other information was provided showing the reduction in points. I would like each major credit reporting agency to actively research this information and make the necessary adjustments to the errors reported, effective XX/XX/2018.
I have been indicating that bank transfers be made to my XXXX, FL. Wells Fargo checking account since 1991. XXXX. More locally where I am a better permanent resident, I have a linked savings XXXX. 
I realize how much we are not told, especially when the sums get closer and closer. 
When it was a far fetched idea, it was talked about, and even a Wells Fargo purchase shield XXXX searches for it. 
I believe the money has arrived, that was put there because they believed my grandfather had not enough name, from XXXX to impersonate him. My Father had the same problem being XXXX generation, not having enough to declare his house, that he had a 30 year mortgage to pay anyway. 
That money that is leavened, and was put there in my name, that caused me trouble the whole way, that I found out about, should be available to pay IRS income taxes for my father 's estate, that I have the EIN number for. He had income for the past 7 years, but I ca n't get a hold of his XXXX Wells Fargo account to pay it.
In late XX/XX/XXXX or early XX/XX/XXXX I received several voice messages and emails from Bank of America regarding my XXXX credit card. I immediately contacted the bank and was informed that fraudulent charges were detected on my XXXX credit card and the bank closed the account to protect me from further fraudulent activity. I was alarmed because I have had this account for 5 years and I have not utilized the card in more than 4 years and it had a XXXX balance with a {$10000.00} limit. The bank assured me that all charges would be reversed and any fees associated with this issue would be reversed as well. I was also told that the charges arose from a cafe in XXXX where someone was purchasing coffee and snacks. I advised the bank that I have never been to XXXX to assure them that I had no part in this fraudulent activity. The bank representative at Bank of America said that I would receive a new card in the mail in 7-10 days. When that card did not arrive I re-contacted Bank of America and was told the card should have been received so they would issue a XXXX replacement card via priority mail ( signature required ). I did receive the XXXX replacement card. My problem with this entire process is now that I have the new card the associated fees for the replacement and the fraudulent charges have not been reversed completely as Bank of America promised. Now there is a 30 day late payment on my credit report for the fraudulent charges and fees totaling {$31.00}. This late payment has affected my qualification and approval for a mortgage that I was in the process of obtaining. On XX/XX/XXXX I contacted Bank of America again to discuss this matter and they apologized for the inconvenience and assured me that the fees are being reversed and the 30 day late on my credit report would be reversed in 30-60 days. This is not acceptable. I do not want to have this negative notation impede my mortgage loan processing or impact my mortgage interest rate negatively.
I took out a balance transfer loan from Citi cards several months ago with XXXX interest until XX/XX/XXXX and XX/XX/XXXX, there were two. I was under the impression that if I still used the card and paid the purchases off each month I would not have to pay interest on the purchases. As it turns out even if I do pay it off each month, for the purchases, I am going to be charged interest because I used the card with a transfer balance on it. This seems fraudulent to me.
My complaint is about Performance SLC, LLC taking advantage of my time of need and misleading me into paying for services that I could have performed for free. In XX/XX/XXXX, their services reached out via text about applying for student loan forgiveness. When I called the provided number, it directed me to a representative that said they could help with my loan forgiveness. They suggested that I consolidate all my students loans before making payments and they asked me various personal information about my background and employment. I sent pictures of my pay stubs to evaluate what payment plan would best fit to annual income. My account was created XX/XX/2017 and they put me on a payment plan of XXXX a month and the first payment was made XX/XX/2017. I thought everything was moving well until I started getting noticed about my due balances to my student loans. I then looked up reviews about Performance SLC and XXXX XXXX XXXX online and found out that other students have fell victim to this company misleading agenda for money and third party involvements.
Collection service is constantly sending paper notice to collect a debt for someone who does n't reside at my address. I 've spoken to the agency and had the letters sent back to them but the notices keep coming to my address.
The collector did not identify himself by name, only that he worked for Portfolio Recovery Services and that he was with the " Litigation '' Department. He stated the call was recorded and that an attorney had reviewed the account. I then asked to speak to the attorney who reviewed the account and he immediately contradicted himself and said, " I said an attorney had NOT reviewed the account. '' We argued about what he said and suggested he review the FDCPA and he informed me he had performed that job for 25 years. I do n't appreciate being lied to, especially since this was under the guise trying to intimidate me the use of the statements " Litigation Department '' and having an attorney review the account. He knew what he was saying, and had I not questioned him about his tactics and statements he would have continued on. He was quite rude after that point and I stated since he was in the litigation department I wanted to have one of their attorneys review the account to which he replied, " So you 're saying you 're not going to make payment arrangements? '' I said, '' Do not put words in my mouth. '' I want your attorney to review the account, and he repeated his statement about making a payment again. I then ended the phone call.
I recently applied f or FAFSA after 13 years of being out of School. I noticed that I had and subsidized loan listed out with Navient per the FAFSA website  which is correct because I am making payments.   XXXX  I contacted Navient and they stated that the lo an is Unsubsidized but ha ve not presented proof. I called on yesterday and was repeatedly told the loan was unsubsidized. I called today and was told that navient would contact  XXXX   XXXX  and provide me with proof that the consolidated loan was unsubsidized. Navient charged me interest on a loan that was deferred and subsidized.
I did a dispute on XXXX XXXX to the credit reporting agency on the XXXX and I havent received any update or status on the account
They state it 's a XXXX XXXX amount due. I contacted XXXX which is and has been my current provider for at least the last XXXX years and they show no outstanding debt. Nor any interruptions in service due to a lack of payment. When I ask specifically what they are collecting on they go to strong arm tacticts " just give me your credit card ... ''.
XXXX-XX/XX/XXXX, {$2500.00}, this was paid in settlement in XX/XX/XXXX by me need to be removed from my credit report. Kohl's- XX/XX/XXXX, {$630.00}, this account is paid and closed need to be removed from my credit report. XXXX- XX/XX/XXXX, {$570.00} paid, closed need to be removed from my credit report. XXXX, XX/XX/XXXX, {$570.00} paid, closed need to be removed from my credit report. XXXX- {$30000.00} account is closed and paid need to be removed from my credit report.
On XXXX XXXX, 2016 I closed on my house with SWBC Mortgage. I received my closing disclosure via email from loan officer XXXX XXXX from SWBC Mortgage dated X/XX/2016 via email. My closing disclosure listed a Lender Credit of {$1800.00} for property taxes in Section G of the Initial Escrow Payment at closing. However the lender credit of {$1800.00} was not applied to my property taxes or escrow account and has subsequently created an escrow account shortage. <P/>In addition to not receiving lender credits disclosed on the closing disclosure the APR was understated over the .125 % and the Finance Charge was understated by more than {$100.00}. The disclosed fees exceed the tolerances under 12 C.F.R. 1026.18 ( d ) of Regulation Z and are reimbursable. I contacted SWBC Loan Administration and they expressed that I owe the funds for the shortage and that SWBC could not assist or clarify the Lender Credits, APR, or Finance Charges. I was told to contact the  investor XXXX XXXX because SWBC is only servicing the loan. I contacted XXXX XXXX with SWBC Mortgage by phone and email however she has not contacted me regarding the disbursement of Lender Credits or the understatement of the APR and Finance Charges.
My mother who is XXXX years old received a book in the mail called XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A few weeks later she received a bill for {$44.00}. 

I called the company XXXX XXXX on XX/XX/XXXX and explained we did not order the book and if they sent us return postage we would return it. They claimed that my mother ordered the book from TV. I explained that she is XXXX years old and would never order something from the TV - let alone a book about leading a more active lifestyle! I explained that this was probably mail fraud - and they were taking advantage of seniors. 

They send the account to collections with North Shore Agency who sent my mother a bill.
On XX/XX/XXXX i was contacted by Hillcrest, Davidson & Associates, LLC they stated there was a civil lawsuit against me with XXXX XXXX XXXX  for XXXX dollars. I explained to Hillcrest, Davidson & Associates, LLC that my account with XXXX  XXXX  was personally closed back in XXXX and at that time had a XXXX  balance. the women I was speaking with from Hillcrest, Davidson & Associates, LLC stated she would give me 24 hours to find documentation stating this if I could not then she would retract my file and pursue the lawsuit. Looking into this matter I was never contacted by XXXX XXXX  stating I owed money via mail or email. the woman called me back the next day asking i fid out documents. I let her know that I was never contacted and I felt like this was false and I asked for further information about Hillcrest, Davidson & Associates, LLC and who they were. she stated she did not have to provide any information and hung up on me. today XX/XX/XXXX I personally called XXXX  XXXX XXXX. The bank told me that I do not Owe XXXX dollars. I do owe XXXX dollars in fines but no action has been taken against me. They told me to go to a branch manager and have the fees waived. I then called Hillcrest, Davidson & Associates, LLC back today XX/XX/XXXX to let them know this and the lady became angry with me and stated " well get thrown in jail i dont know why your calling me back if you know so much '' then hung up on me.
As documented in the letter I sent to CitiBank, with a copy to CFPB on XX/XX/2015, I had repeatedly begged CitiBank to stop charging me interest until I was able to become re-employed. The letter explains the damage CitiBank 's predatory collection and high credit card interest charges have created for me and the damage I have, and continue to suffer. I am unable to find gainful employment due to the bankruptcy on my credit file, despite making it to the finals, since my credit report with the bankruptcy ruins my reputation. Please read the attached letter below. Citibank ended up charging my credit card account approximately {$25000.00}, when my actual card usage amounted to only {$12000.00}, which I offered over and over to pay. I just needed CitiBank to stop the financial rape they purposefully accomplished, especially as their marketing and TV sales promotions were touting them as the perfect corporate citizens by funding railway systems for XXXX XXXX, as well as other money making ventures, while putting me Ito bankruptcy with users by raising my interest charges on my credit card account with them.
Reliant Capital Solutions began to garnishment actions against my wages on XXXX XXXX, 2017. The amount being withheld is {$310.00} per pay period ( twice monthly ). I was never contacted by Reliant never attempted to contact me to collect the debt or allow me to make payment arrangements.
I Filed a Complaint with Consumer Financial Protection Bureal concerning XXXX XXXX XXXX and XXXX has Responded and Resolve my Dispute with them and have terminated further collection efforts and closed their file and have notified the bureaus to Delet their trade line from my Credit file this reply I 've received on XXXX XXXX by E-Mail and again by postal service Transunion is the only bureau that had not removed XXXX XXXX XXXX Trade Line from my Credit File in fact Previously to my Notice from XXXX XXXX they was not on my Transunion Credit File until after I 've Received the Notice to Remove XXXX XXXX XXXX from All Bureaus on This Date XXXX/XXXX/2016.
I made an overpayment via my online banking on XX/XX/XXXX and itwas credited to my card on XXXX.The card actually had a XXXX bal. I made the mistake of sending it to the wrong credit card company. I discovered thison XXXX XXXX and called them. I asked for it to be credited back to mychecking account. I gave them my routing number and checking accountnumber. After XXXX calls to find out why it was not done, they just kepttelling me it had to be processed. It is now 7 days later, XXXX XXXX and I wastold that the {$250.00} was going to be sent back to my checking todayand it would take another 3-5 days to process this. This is a total of 10-15days to get my money credited back to my checking account, when allalong they had the {$250.00} in my account. We could see it in my cc acct. 
I do n't know what the regulations are for this type of problem, but, I thinkthat 10-15 days is way too long for them to credit this back to me. when I ppay my bill to a cc it goes in very fast, 2-3 days max, ( online billpay ). Butwhen I need to be credited it 's 2 weeks? what 's up with that? I spoke witha supervisor in XXXX, XXXX and today with XXXX, XXXX. It was an AT & T Universal XXXX Card through Citibank. I have never been late, paid bmy bill off in XX/XX/XXXX and have a very high credit score. I am a responseible professional and really do not like being taken advantage of and treated so badly. If you can help me with this I would appreciate it. 
Thank you.
XX/XX/XXXX I learned of a collection being reported by XXXX XXXX XXXX. Not having any business with them I call to learn what this was about. After multiple calls the only thing I learn is that this account was sold to XXXX. So i called them but was never given information about the matter. Then i file complaints with Credit Reporting Agencies and within minutes of doing so receive emails stating disputed information meets reporting requirements and days later receive letters indicating same. So no investigation was performed! I then hire the XXXX XXXX to investigate this matter which forced XXXX. to reveal supposed original debt was XXXX XXXX. XX/XX/XXXX I did establish service and purchased multiple phones at retail since from day one I could not receive adequate service. Then being fed up i cancelled service some years later having paid all monthly fees. After this investigation information about the account is being manipulated such as open dates etc., to extend reporting and cause damage. Also since that investigation it is reported as a new delinquency each month which further damages my credit.