WillisBack/dataset-financial-user-claim huggingface dataset:
Earlier this year, I rightfully disputed my debt to Portfolio Recovery Associates, LLC for {$790.00}, which was purchased from a closed XXXX   XXXX credit card in XX/XX/XXXX. After Portfolio Recovery Associates validated my debt, I called them on XX/XX/XXXX to pay off the debt. I explicitly told the representative that I am paying off the debt for full removal from my credit report, and the representative stated that a full deletion would not occur unless paid in full. With the sole purpose of removing the debt from my credit report, I paid the debt of {$790.00} in full on that call. 

However, the paid collection was not removed on my credit report, and still reflected a charge-off on my credit report. On XX/XX/XXXX, I sent a certified letter to Portfolio Recovery Associates to review my call with the representative, and to have my paid collection removed from my credit report. 

On XX/XX/XXXX, I received a letter from Portfolio Recovery Associates dated XX/XX/XXXX that they would not conduct an investigation of my dispute and claim of misrepresentation. I called them on XX/XX/XXXX to ask again to review my call and request for full deletion. The representative I spoke to referred me to a supervisor and they both explained that full deletions are not offered by Portfolio Recovery Associates. In addition, the supervisor stated that : - a complaint had already been filed on my account ( I never filed a complaint before ) - they will review my call - apologized for any incorrect information that was given to me. 

If I was given full disclosure with the original representative that a deletion was not available, I would have offered a settlement for far less than a payment in full. There is no incentive to a paid-in-full collection that still reports negatively as a charge-off on my credit report. 

Portfolio Recovery Associates is not fully representing the consequences of a paid collection to those looking to pay their debts in full. I did not deny the debt and take responsibility for it with full payment, however, I would have made a different decision to pay a settlement, not paid in full.
Experian reporting a collection agency in my report but they have different social security number and I was deny a mortgage loan for that issue.
I signed up for the XXXX credit card with Bank of America. Initially, they were unable to get my name right in three tries. 

Their fraud detection system is extremely weak. It flagged XXXX of my purchases as fraudulent, and then when XXXX fraudulent transactions happened over 2 days, it did not flag any of them. 

Furthermore, when I called to report the fraud, I was forced to wait 20 minutes on the phone -- and the initial customer rep could not even process this fraud report and put me on hold for 30 minutes for escalation. 

Their service department is clearly understaffed relative to other banks, and their fraud detection system is the weakest I have seen.
This company called me claiming to be the collection agency for US Bank. And they extorted me into paying {$600.00} to them. It was not until today when another person tried to scam me did I realize that I was in fact scammed here is the documents for this person. This address is registered to a XXXX store. How do I get my {$600.00} back
I Q Data International, or RentCollect or whatever new name they choose to use, is a collection agency with hundreds of XXXX, CFPB and XXXX complaints. In my case, they ignored documentary evidence that no debt was owed and instead colluded with a property management company to fraudulently collect " past due '' accounts based on invalid information provided by the " creditor ''. What is especially insidious about this collection agency is that they do not verify the legitimacy of the debt and even after they have enough information to NOT pursue an invalid debt, they merely move forward with collection efforts and try to damage the victim 's credit rating. They claim to operate an ethical and legal business when, in fact, it is clear they do not. To be blunt, I Q Data is a crooked operation that attempts to collect invalid debts. The only way to deal with this company is to retain an attorney. They know they have been retained to collect money from victims who do not owe anything to a property management company. They willingly participate in a shakedown of renters.
On Saturday XX/XX/17 I received a certified email from XXXX XXXX XXXX XXXX with NOTICE OF APPLICATION FOR WAGE EXECUTION, against me from an account this Deb collection is assignee in the name of XXXX XXXX XXXX XXXX. 

I have called XXXX XXXX to the comer XXXX and spoke with an employee name XXXX, and I have explained to him that I do not owe anything to XXXX and that account does not even show on my credit report.I have also told him that if I would owed something to XXXX, they would have approved me a XXXX XXXX XXXX XXXX opened on XX/XX/2017 that still is active with a current balance. 

I did also asked him what should I do in order to report this or probe that this account is not mine and he suggested me that if this does not belong to me I should present a complain to FTC because it could be a fraudulent account opened for somebody else. 

There are not accounts reported on my credit report from XXXX XXXX, and also from the XXXX report from XXXX.
CREDIT PROTECTION IS A COLLECTION AGENCY ATTEPTING TO COLLECT A DEBT FROM A SERVICE I DID NOT RECIEVE. I AM ASKING FOR THE TO EITHER PROVIDE ME WITH THE ORIGINAL COPY OF A CONTRACT OR AGREEMENT SIGNED BY ME FOR AUTHORIZATION OF SERVICE OR REMOVE SAID COLLECTION ACCOUNT FROM MY CREDIT BUREAU
I received this certified foreclosure notice last weekend pushed under my door and being notified that the foreclosure will take place the end of this month. As you can see, the foreclosure notice was dated XXXX XXXX and yet I found it under my door ( partially opened ) on XXXX. I did not sign for this certified mail and XXXX Bank and Wells Fargo did not let me explore ALL the loss mitigation options. I had suffered financial hardships including my sick mother who finally succumbed to a XXXX XXXX years ago and then my wife who had XXXX XXXX and that XXXX went into XXXX. Despite my efforts to try catching up for the late payments, Wells Fargo asked me over the telephone in XXXX 2015 to stop making payments until I pay up all the overdue payments. I asked the staff who told me to put the request in writing but never did. Wells Fargo staff would give you a run-around and blame everything on the investor, the XXXX Bank.
this company keeps threating me harrasing me i dont know them keep on asking them to stop calling me they refuse there threating me to throw in jail please have them stop bothering
XXXX Bank of America for no reason closed my account and did not send me any letters or communicated with me on why. 

I have been a client of theirs for over 10 years with multiple bank accounts and Merrill Lynch accounts with proven cash flow exceeding the $ millions. 

Despite that they cancelled my credit card with {$15000.00} in credit line. That is utterly unacceptable and I want this reopened.
I have not received any mail or calls from the lender since XX/XX/XXXX when it was charged off my account. Then yesterday a collection company called my cosigner and asked for a payment of {$4000.00} toward a debt from XX/XX/XXXX of {$14000.00}. The collection company also told her that by paying {$4000.00} her financial responsibility as a cosigner would be removed. I have not received any notice of right to dispute, nor was it mentioned in my call today. As far as I was concerned this account was charged off and it does n't even appear on my credit report.
We are in the process of trying to refinance our XXXX mortgage on our home and in order to complete the refinance we need a " subordination agreement " from TD Bank stating that they agree to be the XXXX mortgage holder, which they are presently. TD Bank is giving XXXX excuse after another as to why they ca n't honor our request at this time. First they said our loan was not current and it was, next they said another bank has a lien, which they do not, and now they are naming another bank as a lien holder and they are not. We are asking them to change nothing and agree to what they already agreed to XXXX years ago when we took out an equity loan with them. They are being difficult and unreasonable while the clock is ticking and we may lose out on a reduction of our interest rate and loan payment with a loan that has nothing to do with them. This is the XXXX time in the last XXXX years they have blocked our efforts to refinance a loan with another lender.
This morning, I filed a follow-up complaint ( XXXX-XXXX  ) because the response to my initial complaint was a voicemail with return telephone information that did not work. I received a response to this with the exact same information - an 800 number and access code that took me to a call center where no one was able to connect me to XXXX 's extension. I tried three times without success and only increasing frustration. on the last attempt, I spoke to a woman named XXXX, who refused to even try to connect me to XXXX 's extension before I provided " verification '' but when I persisted, she finally looked up the extension number and informed me that it " was not working. '' I am not going to return any further phone calls from Capital One. This is beyond aggravating and a completely unacceptable way to treat customers who have already been on the receiving end of unfair and deceptive practices. A company of this size should be able to manage a process for returning phone calls. If Capital One wishes to respond to this THIRD complaint, use my email.
XXXX has been non-compliant with removing the unverified account TRIDENT ASSET MANAGEMENT, LLC which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that TRIDENT ASSET MANAGEMENT, LLCwas not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
To Whom, First I tried to just get my taxes and Ins turned back to me denied tried to do a refinance with XXXX got taken for XXXX to find out my house has dropped another XXXX since XXXX and no refinance done but I owe XXXX more than what my house is worth now. Tried to get help through my mortgage denied again and they are trying to charge me for fees at XXXX I have not paid and do n't need to pay they said they where going to take it off but never did talked to them till blue in the face but kept and still getting the mortgage payment on time for now its is hard to do at times but find a way by selling things I have worked hard for. First Key denied me they say I have a Senior mortgage attached to me since XXXX XXXX by XXXX XXXX I have never known of a senior mortgage I do n't owe this at all but I have talked to XXXX they told me to get with XXXX I did they said they take care of it but did not solve the problem. I have no equity in my house now and ca n't afford to to repairs needed done some as I slowing find the way to get money together. First key mortgage have had during the time trying to get help through them got a few calls from there customer service with like threaten action for my payment for they said they have not receive my payment this is 3 days after and after arguing with them to check again for I have made the payment on or before the due date plus Im suppose to have 16 days after but not with them. What can be done I have great credit and work hard to pay my bills with not much left for gas and food. I need a little help with this problem thanks
there was a payday loan taken out in my name sent to arvest bank which says they do not have an account in my name but did accept a deposit in my name into another persons accont.
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} COLL {$200.00} - {$200.00} - - - COLLECTION XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$2800.00} Dear Sir or Madam, I am writing in regards Null Medical account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Nelnet gave me the wrong payoff information for my student loan. The loan was overpaid by {$250.00}. They show that my loan was {$6600.00} and that I paid {$6900.00} and that gave me a {$0.00} balance. The payment cleared the bank. I called and they at first said I had a XXXX balance and that it wasn't overpaid. Then after being on hold for 45 minutes they finally decided they did owe me the difference and would send it out within 10-12 days. That did not happen. After the second phone call and being put on hold for 30 minutes they determined it would take 2-4 weeks to refund my overpayment. Now after the 3rd phone call and being on hold for 45 minutes I am being told it will take 6-8 weeks for a refund. I think this  is standard procedure hoping people will get tired and give up. The entire 10 years I have had this loan they have misapplied my payments and refused to correct any errors on their part. I have asked for an audit of my account multiple times and to date of never received it. Complete crooks!!!
This issue is in reference to a public record for a tax lien that was released in XXXX. The West Virginia XXXX XXXX office failed to release the lien at the time of settlement. This was not completed until XXXX. The state office stated that it was not possible to retroactively change the release date in their computer systems. Instead, they noted the official court document with the correct date and provided me with a copy. 

I submitted disputes with the XXXX primary credit reporting agencies. XXXX of them accepted the updated court documents and immediately changed the entries. In XXXX ( XXXX years after the lien ), the entries dropped off as they should. 

Equifax refuses to change the release date and still report it as XXXX. This means that the record will remain on my credit report until XXXX. 

Even worse, the public record appears on their report in XXXX separate entries. There is XXXX using the court booking number ( beginning with XXXX ), the other using the state lien file number ( beginning with XXXX ). Everything is the same about these XXXX entries except for those XXXX numbers. The lien dollar amount, the date filed, the state it was filed from, the XXXX release date, the contact information for the state office are identical. 

Multiple disputes have been opened over the last two years. For all of them I either emailed, faxed, or physically mailed the updated court document with contact information for the Tax Compliance department. Several Equifax CSRs verbally confirmed that they see the correction on the document. They also confirmed that the public records are duplicated. Even so, the final investigation results dispute comes back with the same conclusion. 

I have followed Equifax process and received no resolution to my problem. At this point, I will have to seek legal counsel.
I have many issues that I 'm dealing with but I will list them below : # 1 Equifax has a security freeze and fraud alert on my credit file and I never authorized or requested this to be placed on there. I have written to them and requested that this be removed 4 times now to no avail. With each letter I include my identification as required. 
# 2 For the past 2 months I have received no credit report # 3 For the past 2 months I have received no statement of dispute or results # 4 When I call, I am given no answer and told to write a letter. See # 1
Received a property tax refund from my county for last years taxes. Check has been deposited into my escrow account and loan servicing center will not return this to me. Escrow balance is currently over the amount i owe for the year 4 months into the year
XX/XX/18 at XXXX a man called me from ( XXXX ) XXXX XXXX XXXX , CA . He identified himself as XXXX and said he was an Attorney that had been retained to collect a debt. He knew personal detailed information about me and my assets. I told him I wasn't aware of any debt, he then told me a summons had been mailed to me and if I didn't appear in court I would be arrested. 
I began to ask questions about the debt ... he got very rude and said I had already been made aware - at this time I needed to make a payment of {$800.00} to settle the debt or my car would be repossessed. 
He told me if I haven't made a payment by Monday XX/XX/18 he will be moving forward with court proceedings to have my vehicle taken ( which he knew the specifics of ). 
I'm not sure if this is a scam ... but, this phone number came up on a XXXX search and I have never received any letters from a debt collector or an Attorney.
The TD Bank, NA in less than 48 hrs.debited my checking account that I have with them 3 times for the amount of {$35.00}, brought a total of {$100.00} as of overdraft fee even I do have a saving account ( with enough balance ) linked to that one.

This is not the first time I have to write to you regarding the same matter, but in the past as well, and I do not know why the TD Bank does the same practice regularly no matter how people like me have to make ends meet the budget. 

This is my first step trying to solve this reality and I hope to be the last resort and not have to go further.