WillisBack/dataset-financial-user-claim huggingface dataset:
Portfolio Recovery Associates , LLC ( PRA ) is a junk debt buyer claiming I owe them {$840.00} for a charged off XXXX credit card. On their collection letters PRA claims to be the creditor for this account, as evidenced in the upper left side of their correspondence to me, dated XXXX XXXX, XXXX. PRA has never extended credit to me. 

On XXXX XXXX, XXXX I requested proof of validity of the original debt, itemization of the account establishing an accurate accounting and proof they had a legal right to collect the debt. I received a letter from PRA, dated XXXX XXXX, XXXX, again stating they purchased the account, the balance was {$840.00} and that the seller, XXXX XXXX, provided them an electronic file of their business records concerning this account. PRA neglected to provide me with any copies of said file or proof of any of the items I asked for. I also disputed this account with the credit reporting agencies, PRA updated the account as accurate. 

On XXXX XXXX, XXXX I sent PRA a Notice Of Arbitration Election via XXXX as described in the XXXX XXXX Cardholder Agreement, a legally binding contract, that was in force at the time this account was opened. The Agreement states this is my right, that XXXX XXXX or anyone they transfer or sell the account to is REQUIRED to participate. I felt at this point it was the only way to settle our differences. They refused to respond. 

After reading The Consent Order between you, CFPB, and PRA I realized there was a discrepancy between XXXX charge off amount and the amount PRA claims I owe them. The charge off amount that XXXX XXXX reported on my personal credit reports is {$770.00}, {$66.00} less then PRA is trying to collect. I followed up with a letter to PRA, dated XXXX XXXX, XXXX, informing them of the discrepancy including copies of the original account from my credit reports. They responded with a letter and XXXX random XXXX XXXX credit card statements. The most recent of the XXXX had a balance of {$660.00}. Their letter simply states they had reviewed the attached documents related to this account, which establish its validity. What? They completely ignored the balance discrepancy. XXXX XXXX has stated they do not provide any warranty as to the validity or accuracy to the accounts contained in electronic files that they sell. 

Portfolio Recovery Associates , LLC is violating the terms of the Consent Order, the FDCPA and Minnesota law. They have complete and total disregard for the law and the consumer. 

PRA can no longer collect this debt in court, in accordance with Minnesota Statutes Of Limitation. However PRA 's entry on my credit reports is n't scheduled to be removed until next year, unnecessarily causing me financial harm. I do not believe they have a legal right to collect this debt. 

There are XXXX other accounts PRA is trying to collect from me with the same circumstances. I will file separate complaints for them.
my husband moved from XXXX to XXXX over 12 years ago and while living there in a rented condo on XXXX XXXX he ordered cable services from XXXX XXXX and used my social security #. I have contacted them several times they added his name to the account but would not change the social security number to his. He left XXXX and moved back to XXXX however he left a {$530.00} balance which they recently put on my credit report dropping my credit score by 58 points. I am retired and only get {$700.00} a month and I can not pay his bill. He works and has income but clearly doesn't care about my credit history as we are currently going thru a divorce.
Equifax refuses to remove a waived/recorded tax lien release when XXXX and XXXX have promptly done the same. The tax lien release was released under the IRS Fresh Start Program, intended to give tax payers a " Fresh Start '' and ability to clear their credit report. Equifax 's actions are inconsistent with the IRS program and seem to be a rogue agency, inconsistent with others in the industry and may violate my rights. I understand they continuously refuses to delete these types of items for consumers. I will pursue legal action.
On XX/XX/XXXX I received a personal loan from Big Picture Loans in the amount of {$1000.00}. I was told my payments would be {$220.00} on the XXXX of each month. Before accepting the loan I asked how much I would pay in interest if I paid the loan off right away in XX/XX/XXXX, the agent said about {$160.00}. XXXX. My first payment of {$210.00} was deducted from my bank electronically on XX/XX/XXXX. Another {$210.00} was deducted on XX/XX/XXXX. I called Big Picture Loans and made a complaint stating that was not what I agreed to. I asked the representative how much I would need to pay off the loan on XX/XX/XXXX. She stated {$1000.00}. I purchased a cashiers check from XXXX XXXX, check # XXXX on XX/XX/XXXX, and mailed it to Big Picture Loans Customer Support XXXX XXXX XXXX XXXX, MI XXXX I stopped all future electronic deductions from my account. I paid {$450.00} in interest from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I  received an email from Big Picture Loans stating that they received my cashiers check in the amount of {$1000.00}, but due to me putting a stop payment on this account, I have a remaining balance of {$310.00}, and to keep in mind that additional finance charges accrue daily.
I have asked National Credit System to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
I used XXXX XXXX XXXX for medical care. They sent me a bill, and I later paid the bill on their website ( very promptly ). XX/XX/XXXX of this year. 

Later XXXX XXXX XXXX referred my debt to a debt collector, XXXX XXXX ( even though I had already paid XXXX XXXX XXXX. XXXX XXXX 2017 I contacted XXXX XXXX XXXX and they assured me that the debt had been cleared ( XXXX XXXX 2017 ) XXXX XXXX have continue to contact me, and harass me with phone calls for months regarding a debt I never had, asking for payment. I 've tried to reconcile this again with XXXX XXXX XXXX. 

I 've found this very stressful because I 've always paid my bills, and I never should have been referred to a debt collector. I 'm worried how this affects my credit rating.
Navient will not provide to me their criteria for Cosigner Release . I am looking for specifics on which credit criteria they use and what ranges are acceptable ( e.g., debt-to-income ratio  40-50 % ).    I 'm specifically interested in what, if any, ranges  Navient uses to approve Cosigner Release in the following   categories : Debt-to-income, utilization, payment history, derogatory marks, age of credit history, total accounts and credit inquiries.     I want to be able to make an educated decision and avoid an unnecessary hard inquiry on my credit, which is why I am requesting this information be released to me. This way, if I 'm not going to meet the credit criteria, I can apply in the future when I am eligible rather than wasting everyone 's time.     I submitted an email through their correspondence system on Wednesday,  XXXX   XXXX  requesting this information. On Thursday,  XXXX   XXXX ,  XXXX  from their Office of Customer Advocate reached me by phone. First, she claimed such criteria did not exist. Then she acknowledged it did exist but that there was no way she could give it to me. Seeing no further cooperation from her office, I told her I 'd be seeking regulatory relief through CPFB and my Attorney General.   That call was recorded - if necessary or helpful, I authorize the release of that phone call on my behalf for use in this complaint.
I opened an HSBC Advanced Checking account was told before I opened it that I did qualify for the {$350.00} bonus. The bank closed out my first CFPB complaint claiming because i had a credit card with them already, i was disqualified, so they closed out my CFPB complaint. 

I am opening up another complaint because they flat out lied!
Hello, I did not apply for a jcpenny card at anytime. The balance is XXXX but I did not have a JCPenny card. Opened in XXXX. I want it removed from my report! It was opened over 10 years ago and it was not by me. Thank you!
I noticed the XXXX XXXX XXXX was reporting to the credit bureaus that I owed them {$420.00} for account # XXXX ... I sent letters to them XX/XX/XXXX, certified mail ( tracking # XXXX ) on XX/XX/XXXX and XX/XX/XXXX. In these letters I asked them to validate this debt. With all documents pertaining to this account. I also requested any receipts or any documentation bearing my signature. They have yet to respond. They are continuing to violate federal law by knowling reporting inaccurate information about me.
I filed bankruptcy and XXXX XXXX XXXX has added additional interest and late fees to this account. The amount listed on the bankruptcy was XXXX but they are telling that I must pay {$14000.00} and every day that I 'm late I will be charged {$7.00} per day. I had this car since XX/XX/XXXX and the loan was for 7 years which means this car should have been paid for in XX/XX/XXXX. I also requested a  validation of debt and they have not been able to provide this to me. I 'm not sure why I 'm being charged all these fees when the bankruptcy was discharged.
XXXX XXXX XXXX in XXXX Missouri has a permission to treat and permission to bill insurance company documentation they ask you to sign each time you incur services. The persons that have you sign the documentation orally state " This is your consent to treatment for what we are doing for you today, and a consent to bill your insurance if you have active insurance '' and then ask you to date and sign. What they DO NOT disclose is you are signing an agreement to change of venue to XXXX County Missouri if your account goes into arrears. In Missouri you have to be sued in the county of your residence, not the county where the services occurred. This is a cost savings measure for XXXX that causes increased cost for the consumers being sued I believe as a stratagem to bypass truth in lending rules and their obligation to orally inform the recipient what exactly they are signing. Since I know that healthcare entities are treated as consumer loan agencies by the Red Flag Warning Laws, I suspect they are also then mandated to follow truth in lending laws. This company has gotten into trouble many times in the past with unscrupulous collection practices, and I believe closed their internal collection agency due to legal complaints. I have also been sued by them for dollars they should have collected from a contracted insurance company and by that contract if they through their own neglect did not submit the claim must adjust it off but have no resources to battle them. They are a very high volume healthcare company with extremely aggressive collection lawyers, Lowther and Johnson of XXXX Missouri whom I have had great difficulty working with, as they do not follow through and illegally garnisheed my bank account AFTER coming to a payment agreement with me. When I tried to renegotiate the payment due to loss of wages due to illness ( I am self employeed and work as a consultant under contract ) they then are trying to garnishee my contract wages instead. I was told by Lowther and Johnson that I could NOT directly contact Cox Health about their garnishment action and they would not do anything until the garnishement runs out unless I could pay the debt in full ( Part of which is the ER visit they never billed to my insurer ). If the change of venue is not legally binding XXXX XXXX and their collection Lawyers Lowther and Johnson might loosen up and rethink their aggressive stance. Thank you!
Complaint against Wells Fargo BankOn XX/XX/2015, I had a cashier 's check for {$2400.00} transferred from my Wells Fargo Account to another Wells Fargo account in another state. Fifteen minutes after the transfer. I discovered that this was a scam. The scam involved my granddaughter going to school in another state, being involved in an auto accident, and needed money immediately to get her out of jail. My granddaughter was supposedly in the accidentXXXX, so her voice at the other end was sounded like my granddaughter. I was still in the bank branch when I was made aware of this scam immediately by hearing directly from my granddaughter that she was well. I notified the bank manager immediately. He checked the account and noticed that it was a cashier 's check that was to transfer the funds. I was told that the funds would not be transferred until midnight. I also discovered that the scammer 's account was only opened up 2 days prior to the scam. The bank manager had me obtain a police report and when I returned, he called the fraud department at Wells Fargo and a hold was placed the scammer 's account on that date. The police told me that this type of scam was well known to them and that account will be closed after the funds are deposited. The hold on that account was in place until today XX/XX/XXXX, when the scammer closed the account and a cashier 's check was mailed to the scammer. The bank told me they had to send the funds to the scammer when the account was closed because they would be concerned of a legal quagmire from the scammer. 

I have been checking with the bank branch, almost daily, to find out the status of the claim that was filed by the bank manager with the Wells Fargo bank fraud department. I have been a customer with Well Fargo Bank since XX/XX/XXXX. I have never had a problem with Wells Fargo before. I feel that the bank dropped the ball and did not do what it is required of a bank with a claim that was filed. I doubt if the claim was even investigated. If I did not call on a regular basis, I would get a progress of their investigation of my claim. When I found out about the check being sent out, I called the Wells Fargo Executive Office and complained about this action. I feel that Wells Fargo is liable for sending out the funds and did not notify me properly of the progress or the results of their investigation. I also do not believe that Wells Fargo did anything to protect me as a customer and I am filing a claim about Wells Fargo under the Regulation E. 

If you need additional information concerning this complaint or need my account number, please let me know.
I need XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX to stop adding these frivolous debts onto my reports. I dispute them and prove they are not mine, then it will be removed by the credit bur 's, then they pop back on my report the next month or two later. Stop! Also they break HIPPA laws by placing medical records on my report too! They are n't even my records and these debt company 's ca n't prove it, so they wait until next month then report again, after the bureaus remove them. Stop reporting inaccurate information it 's illegal! XXXX aka XXXX XXXX XXXX ( 4 debts aprx XXXX $ ), XXXX XXXX XXXX XXXX ( 1 debt XXXX $ ), XXXX XXXX XXXX ( 1 debt XXXX $ ) and XXXX XXXX XXXX ( 2 debts XXXX $ ) are reporting inaccuracies on my report. Total of 7 collections- I have had them removed several times, and then the next month they will pop back up to show on my report as a debt owed dropping my score down over 100 points. XXXX and Experian have removed these from my reports in the past and are ALOT easier to deal with than XXXX, XXXX had removed only XXXX 4 debts from my report after several requests for disputes but they never sent any paperwork showing it and now it keep coming back on XXXX and XXXX and Experian report. It 's like a never ending cycle- I 'll call the 3B and tell them these debts are not valid- the 3B may not remove them, or they will remove them and the next month these debtees will place them back on my 3 reports and it will take a month to have it removed again or it remains on my report. It is medical bills that I do n't owe and they have the name of the Dr 's and clinics- is n't that illegal and violating Hippa ? I keep disputing, I 'll have a dispute opened and then another collection agency will add something totally new, and I 'll have to dispute it again. XXXX never gives me results of my disputes and takes the LONGEST. Stuff just disappears from there reports with no paperwork proving it was deleted officially. It 's a juggling act at this point. XXXX has been so much better at keeping these inaccuracies off my report. I am waiting on 3 more XXXX debts to be re-deleted form XXXX, the first one that popped up on XXXX they had it off the very same day it popped up when I called, the next day XXXX placed 3 more deleted debts back on XXXX report. We will see what happens. XXXX does n't do anything like the other two do. They are slow to respond, and never send proof they deleted, disputes go unheard unanswered and forgotten. That 's why I have no paperwork from results of disputes to submit on this complaint from XXXX because they never give me any! I called XXXX today and was hung up on after being placed on hold for half hour- While trying to dispute XXXX XXXX XXXX and XXXX XXXX PART. Meanwhile at least the other two XXXX and EX are trying to help me I feel like XXXX  just does n't care. All these debts I am talking about has been deleted at one point, and re-added. Please somebody help make these many inaccuracies go away for GOOD, ONCE AND FOR ALL OFF ALL 3 REPORTS SIMULTANEOUSLY. It 's a juggling act and I 'm not going to stop until it is corrected!
I continue to receive debt notifications from Machol and Johannes, despite my numerous attempts to verify the debt. In response to their initial collection letter, I replied with a request to verify was sent on XXXX XXXX, XXXX and XXXX XXXX, XXXX ( I have documentation to support my claim ). I did NOT receive a response with the verification that this was my debt and have not heard from them until recently. On XXXX XXXX, XXXX, Machol and Johannes sent a collection notice to an old family address in XXXX. It was to a residence I 've never lived at, as I have not lived in XXXX since XXXX. It was through various sources I found out about the collection notice, which was sent to a XXXX party. The only logical reason for them to contact an old family address is that the statue of limitations in XXXX is XXXX years in my resident state of XXXX. Another concern is if they take this alleged debt to court, there is no way I will receive the notice, as I do n't live in XXXX and have no family living at the address they are using -- and I will not have the opportunity to present my evidence disputing the claim.
I bank with  USAA, they h ave no branches in my location and offer mobile deposit. On  XXXX   XXXX  I used this feature to deposit money orders since I am unable to deposit cash. I wrote a check for my ren t. USAA decided  to put a hold on the guaranteed funds. They sent me a message today saying I had insufficient funds, but my available amount is more than the check I wrote. This has caused a major problem with me and my landlord. I have copied the message to this form.      One or  more transactions resulted in nonsufficient funds to the account below : Date :  XXXX / XXXX / 17  Account ending in :  XXXX  Overdraft protection : None Nonsufficient amount : {$1700.00} Available balance : {$1900.00} Details : CHECK #  XXXX  You can avoid returned items by setting up overdraft protection. It takes only minutes and becomes effective w ithin two to three busi ness days.
I was sent emails stating that they would assist me with an income-driven repayment plan. Not only was I deceived in their intent to assist me but after numerous delays in processing by Navient to start the deductions, they notified the credit reporting agencies that I was late in my payments and now I have lost XXXX points on my credit report.
I am submitting a complaint about my student loan .I have received letters informing me that XXXX XXXX reporting to the credit Bureaus that I am 90-120 day late payment mark for XX/XX/XXXX and XX/XX/XXXX. In which is incorrect. XXXX send me a letter showing I was covered under deferment from XX/XX/XXXX to XX/XX/XXXX so on all my XXXX credit bureaus it should not reflect as late payment I am asking for removal of late payment on my credit.The information that they responded to me is unlawful practices that the company displays and 90-120 day late fees should be removed from All my XXXX credit bureaus, My credit score is suffering immediately because of the mistakes and this issue should be resolved expeditiously. I am attaching letter showing I was good for those 2 months. Also include pictures of the loans their are stating was late.
Lender is not honoring the locked rate and loan estimate as per initial loan disclosure, as their investor has not agree on manual underwriting.
Hard inquiry appears on my credit reports - XXXX, Equifax, and XXXX, however this inquiry was unauthorized. I attempted to notify the company directly, however they have been unresponsive.
I have received numerous phone calls from a debt collector nam e Diversified Adjustment ev ery day in reference to a debt they say I owe to  XXXX . They want my checking accounts numbers or debit account numbers over the phone in order to satisfy this debt I said to have information written to me so I can send this payment owed with a checking account. Again I do not kno w Diversified Adj ustments and the constantly call. I tried to send a email but the email server said they do not exist. The number they use is  XXXX   (   XXXX   )   XXXX .
My mortgage servicing was recently transferred XXXX to Nationstar. I received a letter from Nationstar telling me that " recent changes in Flood Maps '' now required that I obtain flood insurance. It says the property is in an A flood zone. From what I can determine it is in an X zone. I assume this was done due to recertification though a vendor at transfer. The letter is dated XXXX but not received until XXXX giving me 30 days to place coverage thus giving me 3 weeks to act. They are threatening to force place coverage and increase my payment. ( I have 40+ years dealing with mortgage servicing, lending and risk and taught classes on the subject ) I assumed that this was an error and would be quickly resolved but information on the internet regarding Nationstars complaints and class action suits give me a sense of urgency and aggressiveness to resolve this.
I experienced a problem with my personal bank sending an amount of money, through bill pay, to my Bank of America debit card account. My personal bank said the Bank of America bill pay address was not correct and the check meant for Bank of America was returned to my personal bank and marked undeliverable by the USPS. I called Bank of America to find out if they had changed their address so I could give any new address for Bank of America to my personal bank. I was told, by the Bank of America automated voice that I had to wait THREE HOURS on the phone for a customer associate to help me. OR, Bank of America would call me back in THREE HOURS. This is a ridiculous amount of time for me to wait to speak to a bank that has my money and has loads of its own money. I do n't want them to call me back in three hours. I could be anywhere by then and not in the position to discuss sensitive banking information. That is the nature of this complaint : the amount of time Bank of America says I have to wait for help.