WillisBack/dataset-financial-user-claim huggingface dataset:
PORTFOLIO RECOVERY ASSOCIATES REFUSES TO SEND ME ONFORMATION TO VALIDATE A DEBT THE CLAIM THAT I OWE. I BEGAN CONTACTING THIS COMPNAY ON XX/XX/XXXX AND REQUESTED A VALIDATION OF DEBT ... AFTER NOT RECEIVING IT I CONTACTED THEM AGAIN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND THE LAST TIME WAS XX/XX/XXXX. APPARENTLY THIS COMPANY HAS A " LITIGATION ' DEPARTMENT AND I WAS TRANSFERRED TO THIS DEPARTMENT AND SPOKE WITH SOME LADY BY THE NAME OF XXXX XXXX. SHE HAD NO IDEA WHAT A DEBT VALIDATION WAS SO THEN I WAS TRANSFERRED TO SOME LADY NAMED " XXXX '' SHE WAS NASTY WITH A FLIP MOUTH AND ONCE AGAIN SHE HAD NO IDEA WHAT A DEBT VALIDATION IS. SO AFTER BEING TRANSFERED TOABOUT 4 PEOPLE I REFUSED TO TALK TO ANYMORE AND DECIDED TO SEND A SECOND DEBT VALIDATION REQUEST THO THIS COMPANY. A FEW MINUTES LATER I GET A EMAIL TELLING ME THAT PORTFOLIO RECOVERY HAS ADDED THIS ALLEGED ACCOUNT TO MY CREDIT REPORTS. WITHOUT VALIDATING THE LLEGED ACCOUNT WITH ME. FURTHERMORE THE ACCOUNT HAS BEEN IN WHAT THEY CLAIMED WAS A " DISPUTE '' PROCESS FOR THE LONGEST. THIS CLLECTION AGENCY HAS VIOLATED MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT AS WELL AS THE FAIR DEB COLLECTION PRATICES ACT. WHEN YOU CONTACT THEM NONE OF THEM ARE EDUCATED ENOUGH IN DEBT COLLECTING TO KNOW WHAT DEBT VALIDATION IS. EVERY PEACE OF PAPER THEY SENT ME SAYS AT THE BOTTOM " THIS COMMUNICATION IS FROM A DEBT COLLECTOR BUT IT IS NOT AN ATTEMPT TO COLLECT A DEBT. THEY NEVER SEND ME ANY STATEMENTS OR A CONTRACT OR ANYTHING THAAT SHOWS THAT I AM RESPONSIBLE FOR THIS ALLEGED DEBT. BUT THEY PULLED THE " SILENT TREATMENT '' BY ADDING IT TO MY CREDIT REPORTS. YET THEY HAVE OT VALIDATED THIS ALLEGED DEBT WITH ME. I HAVE BEEN ASKING FOR THIS INFORMATION SINCE XX/XX/XXXX AND THYE STILL HAVE NOT PROVIDED THE INFORMATION. FUTHERMORE THEY HAVE ADDED THEIR OWN COMMENTS TO MY CREDIT REPORT CLAIMING THE DID AN FCRA INVESTIGATION BUT I HAVE NOT SEEN THAT INVESTIGATION INFORMATION EITHER. AFTER TALKING TO ONE OF THE REPS FROM THE CREDIT BUREAU SHE CONFIRMED THAT THEY DID INDEED ADD THE COMMENT WHEN THEY REPORTED IT TO THE CREDIT BUREAU. NO INVESTIGATION WAS DONE!!! THEY WERE ASKED FOR A VALIDATION AND THEY HAVE NOT PROVIDED THE INFORMATION THT WAS ASKED OF THEM. IT 'S A VIOLATION TO SILENTLY ADD UNVALIDATED AND INACCURATE INFORMATION TO A CONSUMERS CREDIT FILE. ONE WOULD THINK THAT THEY KNOW THE FDCPA LAWS AS WELL AS THE FCRA LAWS.
I have send TransUnion a total of 3 letters regarding inquiries that they are reporting on my credit report. The last letter I send with tracking number XXXX. They are reporting not yet proven compliant information. TransUnion has detailed on my credit report and reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA Metro 2 reporting regulations, namely that do not have verifiable proof of permissible purpose and the chicanery led to subterfuge is UNLAWFULLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights. Instead of making a dispute on these errors after sending 3 dispute letters instead TransUnion ignored my letter not once, not twice, but yet 3 times all they send me was a letter stating inquiries are factual and also they did not even mark these inquries as disputed. I informed them that I did not authorize anyone employed by the companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and a serious breach of my privacy rights. I requested that they remove the fraudulent inquiries from my credit report immediately that is maintained under my social security number.
Sent a letter to collect {$1300.00} for magazine subscriptions that I did not agree to buy. 

this is a fraudulent company collecting a debt from another fraudulent company XXXX XXXX
Evans Law Associates is calling the home residence and personal cell phone number of ( not the debtor ) and threatening to sue ( the debtor ) if he does not return their call. I have returned the call of Evans Law Associates at ph # XXXX xXXXX and advised them of my phone number and that person does not live here. They stated they would take my phone number off the contact list and that it would take up to 24 hours. However, they continue to call me each week.
YESTERDAY MORNING ABOUT XXXX OR XXXX XXXX ON XX/XX/18 I VIEWED MY ACCOUNT AND WITH ALL PENDING ITEMS I WAS XXXX PLUS DOLLARS SHORT/NEGATIVE. SO I TRANSFERRED XXXX DOLLARS TO AVOID THE FEE. GUESS WHAT I GOT IT ANY WAYS. I HAD NO OTHER PENDING ITEMS FOR THAT DAY, BUT LATER ( XXXX ) THAT DAY I BOUGHT MY SON WATER WHICH WAS AFTER I HAD TRANSFERRED THE XXXX IT LEFT ME WITH XXXX DOLLAR AND SOME CHANGE. WHICH IT ALLOWED THAT TRANSACTION TO GO THRU FOR THE WATER. HERE IS THE PROBLEM NOT ALL OF THEIR ONLINE AND APP SHOW THE CORRECT INFORMATION AND NEITHER THEIR SYSTEM AS WELL .THEIR SYSTEM GIVES THE BANK EMPLOYEE A BETTER VIEW OF THE ACCOUNT WHERE AS THE CONSUMERS VIEW A MUCH MORE DIFFERENT AND HARD TO UNDERSTAND VERSION ONLINE OR THRU THE MOBILE APP. SO BEFORE I WENT TO BED MY ACCOUNT WAS OKAY UNTIL ALL THE ITEMS POST AND THEN IT SAID THAT I WAS XXXX DOLLARS AND SOME CHANGE NEGATIVE BY THE END OF THEIR BUSINESS DAY AND IT WAS SHOWING ME THE XXXX DOLLARS AND SOME CHANGE BY THE END OF THE BUSINESS DAY MINUS THE XXXX AND SOME CHANGE PURCHASE OF WATER. I DID A CHAT VIA INTERNET AND SPOKE WITH XXXX AND SHE WASN'T NO HELP
This company is threatening to file a collection on my credit report for a credit card debt that is not mine.

I have never had a credit card with XXXX  in my life. I am a military veteran and have only ever banked with usaa. This company is comitting fraud and abusing it's authority by threatening my credit rating.

1. I live in Arizona and the state has a 6 year statue of limitations on debts.

2. I have never had a XXXX credit card or any credit product from them.

3. This debt is not mine. Never have I had a credit card from XXXX.
I have an old, closed auto account. to which I will attached the complete reported history from the creditor to XXXX and Equifax. It has been long past 7 years from the first reported delinquency and I have requested multiple times that the account be deleted from my credit history. each bureau keeps reporting less and less history of the account, so as to ignore the first few years of the payment history. I am asking they correctly reflect the complete payment history, then would subsequently show well past 7 years have passed since the first delinquency and then the account will be deleted. 

thank you
Last year around XX/XX/XXXX I had to stop paying my credit card due to the interest fee spiking and for some reason they kept increasing my limit to charge those interest fees and late fees. I had just gotten out of the military and was using my credit card to survive. Unfortunetly the fees ( interest, and late fees ) built up so much my monthly payment was too high for me to pay. So I stopped paying around XX/XX/XXXX and around XX/XX/XXXX I called to try to get on a payment plan. They put me on one where I was paying XXXX a month. I agreed to this and set my payments for the XXXX of the month for 4 months out. I even had to verbally confirm those 4 payments to come out which I did. So my XXXX payment came out and come XX/XX/XXXX Im getting calls of a missed payment. I call sometime early XXXX to discuss why my XXXX payment never came out when I verbally confirmed the XXXX for 4 months. They told me I only had a XXXX time payment ( which wasnt true ) I asked if I had to repay that month to catch up and they told me no. That I could just schedule again and it will pick up right where I left off. So I set the dates for the XXXX of the month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). The past week ( early XXXX ) I kept getting calls about how they ( wellsfargo ) can better help me. I had already made 2 months of payments at XXXX $ but I had a bad feeling so I called again. I was told I was removed from the program in XXXX because of the missed payment. Which was the total opposite of what I was told prior. Seeing as I had more payments set up and have now had 2 payments come out and its not lowering anything. Its actually still RAISING my credit card with late fees and interest fees. I have never felt more played in my life Im trying to pay back what I owe and I have been lied to and Im losing money I barely have every month for it to go nowhere, other than in the pocket of wellsfargo. The last person I talked to on the phone seemed to be the only helpful one. Shes the only one that noticed there was a problem and shes the only one that offered a program for military personnel. However that does not change that they are telling me one thing and doing another. My debt that I used was maybe around 5,000 $ and that card is racked up to around 8,900 $ as of today. Since my payment plan started in XXXX it has increased almost 800 . My credit card shouldve never raised the limit from XXXX $ and I feel like they did that just to get more money out of me. I have never in my life requested an increase in my limit when it originally started at XXXX $ I understand at times they raise it when you do well but I wasnt and they keep raising it to get more money. This experience is ruining my life I am constantly stressed and feel like giving up. I try to make it work and own up to my debt but they will do anything to get more money from me. For others the biggest advice I can give is pay attention to the increases on your limit and set alarms on the dates you have scheduled for a payment to come out that way they cant play you.
I applied for a credit card with XXXX XXXX. I was denied because my address did not match what was on my credit report. Then I tried to get my credit report and could n't get it online because the security questions were n't mine. I feel I am a victim of credit fraud. What ca I do to prove I am the rightful person to use my Social security number?.
I am currently in an auto loan with a very high interest rate of 22.9 % ; this  loan was acquired in XX/XX/XXXX. I have been currently paying the amount of {$530.00} per month for a XXXX XXXX XXXX on time each month. My hours have changed at work and upon researching my loan, I owe {$10000.00} more than what my vehicle is worth placing me in an upside down loan. On XX/XX/XXXX, I submitted a letter electronically via the XXXX XXXX XXXX 's website detailing the request to lower my monthly payments. An email was sent on XX/XX/XXXX asking me to contact the company via phone because of privacy issues. I called XXXX XXXX XXXX on XX/XX/XXXX at XXXX and spoke with an customer agent and she was very short, unprofessional, and completely did not want to aid me in my request. Her reply was XXXX XXXX does not rewrite loans. She offered to give me an alternative lending source, XXXX XXXX at XXXX. Upon contacting this lender on XX/XX/XXXX, I was initially approved and then told they could only help me if I came up with a {$7000.00} down payment because again I owe a total of {$18000.00} and my vehicle is only worth roughly at the highest value of {$8000.00}. I think I was taken advantage of since I had just completed Chapter XXXX bankruptcy and had just been successfully discharged in XX/XX/XXXX resulting in me becoming a victim of predatory lending. I also would like to report XXXX XXXX XXXX ( located at XXXX XXXX XXXX, XXXX, GA XXXX ; Phone : ( XXXX ) XXXX ) who seemed negligent to tell me how my loan would work. They assured after successfully completing the auto loan for a year, I would be able to either refinance or trade this vehicle in for a lower price. I initially contacted XXXX XXXX   XXXX in XX/XX/XXXX but to no avail no one is willing to return my phone calls.
I bought several gift cards as gifts and kept XXXX for personal use. When I went to register my prepaid card I noticed that it had been fraudulently used and immediately called the company. After hours of time explaining the situation and long holds, I was told they could not do anything about it and would need to fax over information, affidavits all of which I did. After many numerous follow up phone calls the representative said it could take 90 days to receive a response from the mechant and another 90 days for review. This process has been discriminatory as I 've received nothing but the runaround. When I 'm on the phone with them, they place me on hold, they will not give me their last name or supervisors name or number. They have horrible customer service and have yet to have resolution on my prepaid visa card that I 've bought months ago.
Charter One Mortgage aka RSB bank has failed to make timely private property insurance for the year XX/XX/XXXX and XX/XX/XXXX. Our property insurance is included with our mortgage payment and has never been late, Instead of paying XXXX XXXX charter one is force placing insurance and increasing our mortgage payment. I contacted Charter one mortgagee XXXX and spoke with XXXX XXXX and XXXX and requested a escrow statement and was advised that because I have a chapter XXXX bankruptcy charter one is not obligated to send me information regarding the mortgage, It should be noted that the mortgage is not part of bankruptcy and the mortgage payment has been paid on time for the last XXXX years. I also do not have access to my account online to be able to keep track of my payments. Customer service and the insurance department refused to give me any information regarding my account and I am concerned that my hazard insurance will not get paid.
Have ask repeatedly from wells fargo about questions concerning thier payments to my insurance company from my escrow, as well as payments of escrow which doesn't showing deposits. I had to float a loan to make up the discrepinses allotted by them. I think they have messed up my acct. Now they are saying I have to pay more escrow? help please!!
My name is XXXX XXXX and I 'm writing you about an entry listed on my credit report for trans union. Apparently someone with as similar name to mine filed bankruptcy in XXXX, NJ bankruptcy court and it appeared on my credit report. I decided to contact the bankruptcy court and they informed me that they do n't provide anyone with debtor 's full social security number and they do n't provide any credit reporting act to report erroneous information. As you know it a a violation of fair credit reporting Act. And I 'm requesting to have it removed immediately.
XX/XX/XXXX - I applied for a home mortgage with Quicken Loan website and a banker contacted me to ask for all confidential information ( income, debt, credit report, assets, etc ). 
XX/XX/XXXX - Quicken Loan requested my current credit report. XX/XX/XXXX - Quicken Loan
contacted me via online email saying my debt to income ratio can not qualify for mortgage with them. I totally understand the reason and rejection. 
XX/XX/XXXX - Another Quicken Loan banker " XXXX XXXX '' blind called me that she can help me get the mortgage approved this time and ask me again a lot of information. As she walk through the term and rate and cost, she kept emphasizing the call is recorded and ask for my agreement to do business with Quicken Loan ; she requested {$500.00} deposit using credit card. 
I disagree with the urgency because I do not have rights to compare bank interest rate offer and terms with others at the moment. I simply ask her to provide me everything on record, such as email, paper mail, etc. She refused and pretend never heard. The worst part is she kept asking me for the agreement to do business with Quicken Loan and ask for credit card for deposit {$500.00}. I deeply concerned about my personal information may be misused by Quicken Loan. 

Please please investigate this company 's mortgage practice. I believe they are attempting to take advantage of home buyers who is in tight schedule to secure a mortgage for closing. Thank you. 

The call on XX/XX/XXXX is between XXXX - XXXX EST from number XXXX.
My vehicle was broken into. I reside on a cul-de sac/dead end street. I accidentally left my purse in car as I have a XXXX. Hands full and honest mistake by leaving it in my car. Thief took purse, diaper bag and all content within glove box ( car registration etc ). I filed a fruad claim with US Bank and also an immediate police report. No credit cards transactions were fraudulently made but perpetrator wrote a fraudulent check. US Bank denied my fraud claim. Holding me liable because checks were stored in an unsecured location ( car ). No appeal letter was given to me. I had to call several times to fraud dept myself to attempt to over turn decision. No prevail. I also tried calling my home branch and discuss matter with manager. She also gave same answer of " sorry ca n't help, fraud dept denied claim. Nothing we can do. '' Mind you it took almost a week and 1/2 for her to get back to me. Which I emailed her a follow up email with no reply. I had to call her to gain an answer. Poor customer service. I also called into fraud dept 3 times now?? Last representative said supervisor could n't get back to me until Monday! Run around. Point is -- - fraud is fraud. I should n't be held liable for a {$480.00} check I did n't write. In addition to Bank fees being applied!
I requested account closure via XXXX mail XXXX/XXXX/2016, per the Terms and Conditions of the account, by mailing the card and a letter requesting closure. While not required per the t & c, I also included copies of my photo ID, as a courtesy and proof of my identity and address. My account balance at the time was XXXX, and I asked that it be sent via check to my address on file, which matches the address on my photo ID. As of XXXX/XXXX/2016 I have still not received a refund. I was also charged a 'monthly maintenance fee ' of {$5.00} on XXXX/XXXX/16, and again on XXXX/XXXX/16, indicating the account has not been closed.
My wife and I divorced on XXXX XXXX, XXXX and the court / Judge ordered her the XXXX XXXX XXXX and full financial responsibility of it. The car was financed in XXXX of our names so it shows on my credit report. Since the divorce which is when she assumed responsibility she is always late and payments behind which reflects on my credit even though I have no control or even know where the car is these days. I have put in XXXX disputes to date to remove this account from my credit report with the Credit Bureau and each time they have declined saying the financer disagrees. My credit is getting a bad mark from this and I feel like this is not right now that I no longer hold financially responsibility ordered by a judge in a court of law.
I fell on hardship due to health issues, XXXX, XXXX, etc ... 
I was n't able to do my taxes for XX/XX/XXXXand XX/XX/XXXXmy accountant is working on XX/XX/XXXXnow I requested for a week calling everyday BOFA and they refused to provide me with the XXXX form everyday i spent minimum of 3 hrs on the phone, costumer service to foreclosure, foreclosure to customer service back and for 2 to 3 time every phone call costumer service claimed that the can pull up, the form because i 'm on foreclosure, and foreclosure they do n't have it, so i can not finished my taxes to apply for loan modification furthermore they cheated me on this heloc at the time of the signing i specific asked if the term of the loan will change after 10 or 15 years and she told me NOT I was paying interest only and suddenly my payment jump from around 1K to almost 3K they never notified me of this changes nor explained that indeed the term of the loan changed after 10 years They are crooks and thieves Thank you
I received an offer from Chase Slate for a zero percent balance transfer on XX/XX/XXXX. I submitted a request for balance transfer to go to two of my XXXX XXXX accounts on that same day. One in the amount of {$9000.00} and one in the amount of {$6000.00}. With a balance transfer fee totaling {$750.00}. 
I called to check on the status on XX/XX/XXXX as XXXX XXXX had no record of the transfers. Chase representative advised to call back on Friday, XX/XX/XXXX, if they still had not been processed. The Chase representative indicated that the payments were electronic transfer, and should be cleared by then. 
I called back on XX/XX/XXXX to again check the status. I was advised at that time that they were not electronic, but cashiers checks that had been mailed on XX/XX/XXXX. At that time, it was indicated that it could take up to 21 business days for the checks to process, and there was nothing that could be done until that time. Upon requesting to speak with a supervisor, I was told the same thing, that I could call back on XX/XX/XXXX to request that an investigation be started on these checks. The supervisor specifically said XX/XX/XXXX. I also expressed my concern that there was a payment coming due on XX/XX/XXXX.  The representative would not validate this concern, stating that it for sure would be resolved by that date. 
XX/XX/XXXX, called back, as the balances are still showing on XXXX XXXX and are now showing on my credit report as balances for both Chase and XXXX. The representative manually counted the dates and indicated that an inquiry and escalation could not be technically filed until XX/XX/XXXX, as that was really the 21 business days, due to a holiday. I became insistent and told her that the escalation needed to happen on that original date given to me by the supervisor. She did begin the inquiry escalation process, which I was told could take up to 30 additional days to complete. She also indicated that it may be rejected due to the time frame not being met. But that I would hear something regardless within 3 to 7 calendar days. Today being XX/XX/XXXX, calendar day 6 and I have not heard from them. Nor have the checks been received or processed by XXXX XXXX.
XXXX   XXXX  did n't replying in a timely manner to my initial letterS or have they to date after certified mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Pr actices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in CURRENTLY FILING a  small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am filing lawsuit against Equifax,  XXXX   &   XXXX  for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.
I 'm not sure if this affects me, but I do have my student loans through Navient, I do believe I consolidated my loans through them, when prior they were through XXXX XXXX. I 've had student loans long before 2010, and I 'm not sure how long I have been with Navient. I do know that at the beginning I was forebear ingredients my loans because that is all I knew how to do, but for the last 2-3, years I have done the income base plan, and it is at a cheaper rate, but then I have to defer them any way, because I ca n't pay on them yet. So with that being said, I do n't know if this affects me or not.