WillisBack/dataset-financial-user-claim huggingface dataset:
Portfolio Recovery Associates continues to collect on a debt which was paid prior to PRA claiming ownership of the debt. Debt was paid to an assigned debt collector of XXXX XXXX called XXXX XXXX. 

On the week of XXXX XXXX, 2016 I called Portfolio Recovery Associates to discuss its appearance on my credit report of XXXX alleged debts with account numbers XXXX and XXXX that lack the correct date of first delinquency and are erroneous. 

I spoke with XXXX people that day concerning the accounts. I notified PRA that I did not receive a dunning notice, that the account had already been paid with an assigned debt collector of XXXX XXXX, and told them I had confirmed the payment was processed and received by XXXX XXXX for the two payments of {$2300.00} and {$470.00}. 

During one of the conversations the Customer Service Representative asked me if I have ever lived in XXXX. To which I told her no I have never lived in XXXX, AL. The rep told me the address was associated to me. I confirmed to her that I have never lived there. Almost immediately thereafter, I received an alert that a new address was added to my credit report and a hard inquiry from PRA was preformed. 

PRA stated to me that they do not have records of payments made after the account was closed by XXXX XXXX and that I would have to figure it out. I was told on XXXX XXXX by a Customer Service Rep in the disputes Department that in fact they made a mistake on the address and that it was from an old account in their system ( which is out of SOL for reporting and collecting purposes ) and was still submitted to the major CRA even though it was from an uncollectable account. This kind of activity ( reporting information related to an uncollectable and out of statute debt ) seems like it is against my protections as a consumer. 

Portfolio Recovery told me that even though they do n't have access to the information about my payments for the XXXX alleged debts that I should " pay now so that when/if the issue is resolved I could possibly get a refund '' and avoid any " legal '' issues. 

I asked Portfolio Recovery again on XXXX/XXXX/2016 to immediately remove the erroneous address. I told them I wanted it removed just as fast as the submitted it. Yet they stated that was not possible to remove the same day that it may take up to 60 days to correct even though they were able to add same-day. I found out through XXXX that they can request immediate corrections. 

I was also not provided the physical address to mail correspondence from their receptionist without providing my full social security number.
XXXX XXXX pa, XXXX XXXX Account # XXXX no contract and no signature
Experian is breaking the law by not allowing me to dispute inaccuracies on my credit report. They claim they are not obligated to re-investigate, when by law I am permitted to submit my disputes as many times as I want. They do not allow re-investigations which is against the law. I have filed a complaint with the FTC as well. These accounts are not mine and should be removed, however Experian refuses to allow my disputes to be processed claiming I am filing frivolous disputes. They are not frivolous as XXXX has removed the accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX xxxxx
XXXX has reported to my credit reports a bill owed to them, but was never billed to me. They subsequently sold the loan to XXXX. Apparently, this loan was sold to them by XXXX, a XXXX. 
I was never notified of any of this. The original contract I signed was with XXXX a loan servicing company for XXXX. This is who I thought I was dealing with. XXXX 's name is on the loan product contract. 
I was never notified of a transfer of billing or any correspondence. I did not know anything about this product being on my account until XX/XX/XXXX when I wanted to refinance and saw a collection from XXXX. I followed up with them and found out the changed their name to XXXX I repeatedly asked for documentation. I finally received something from XXXX in XX/XX/XXXX. 
I agreed on a settlement with XXXX and they agreed to report to the credit agency that the bill had been paid in full with a zero balance owed. The represented that they would not put any derogatory statements on the account. Please see attachement. On my credit report they added that " account paid in full for less than full balance '' This is not what the letter written to me states or what the representative at XXXX agreed to. 
Since XXXX and XXXX are the same company with a different name or they sold without ever trying to correspond with me about payment. The XXXX information should be removed from my credit report all together and XXXX should honor what they told me about no derogatory statements. 

Remove XXXX XXXX XXXX XXXX XXXX from my credit report permanently Correct COMMENT by XXXX XXXX XXXX XXXX Furthermore, Transunion only sent information on Cenlar. The rest of the report was not sent, so I do not know what else is corrected or not. It has been well past XXXX days. 
Other disputes : Past 30 days XXXX XXXX XXXX exceeds XXXX Years of being settled and paid. Remove negative comment " Paid for less than full balance. '' It was paid as agreed in the settlement. 
XXXX : - exceeds XXXX Years of being settled and paid. Remove negative comment " Paid for less than full balance. '' It was paid as agreed in the settlement. 
XXXX XXXX : -exceeds XXXX Years of being settled and paid. Remove negative comment " Paid for less than full balance. '' It was paid as agreed in the settlement XXXX. Of XXXX : Consumer does not dispute that I was never late-ACN : XXXX ... And XXXX ... 
XXXX
XX/XX/2012, my adult son became ill and hospitalized for several days. He did not have any income and several months later I found his medical bills on my credit report! I had California 's Medi-cal program for my minor son, but not for my elder son who was XXXXyrs. old at the time. I contacted them and they told me his medical bills were attached to my credit because he had no income! These collection accounts have devastated my credit scores! I contacted the collection company asking them to remove them but to no avail! These accounts are on my credit profile to this day, and they " update '' the date of collection every month as though they are new collection accounts! I am unable to refinance my mortgage now because of these bogus charges!
XXXX and Equifax both are telling me that I need to furnish proof of my identity in mail in order to view my free annual report. I have gone through this exact process before by both of these bureaus in XXXX 2013 and despite sending them both a driver 's license photo and a piece of government mail with the address on the letter, they still do not recognize me. XXXX had no problems. Obviously the other XXXX bureaus are very mistaken about me. This is leading to tremendous problems and is repeatedly been an issue when attempting to open lines of credit.
This is another complaint regarding XXXX XXXX. I have sent many different complaints to get answer but at this time still have not received the information. I recieved one call from XXXX at XXXX XXXX & I have called her back numerous of time without receiving a call back, however she was able to sent in this letter. With this letter Ms. XXXX has attached other letters that were supposedly previously sent to me that I never received from other representative at XXXX XXXX, however the information reported in the letters are different. For starters the letter from XX/XX/XXXX states my account my charged off on XX/XX/XXXX however it is being reported to all three credit bureaus that my account was charged off XX/XX/XXXX. As we all know its against the law to report inaccurate information to the credit bureaus. 

The other difference between the two letters is Ms. XXXX reports in her letter that my account was placed with XXXX XXXX on XXXX XXXX. This can not be true because as I stated in my previous complaint that I made contact XXXX XXXX in XX/XX/XXXX which is two month prior to the date Ms XXXX is reporting they placed my account with this group. Also in the previous letter from XX/XX/XXXX it states my account was placed with this group on XX/XX/XXXX. Again, I am receiving different information from representatives from the same company. 

I have numerous of paperwork from each credit bureaus showing the different date of my account charge off compare to the date provided in the letter by XXXX so there is no need to attempt to update the dates at this time. 

I am included in this complaint all three credit bureaus, I will be filing with the XXXX, I will be sending this information as to the CEO to show the inaccuracies being present by his company which is against the FCRA. 

I expect a response within the next 15 days to included the account being deleted from all three credit bureaus due to the inaccurate information being reported. 

I no longer want Ms. XXXX on my account. 

I have many contact with Northland group now known as Radius Global Solution and they are no longer handling my account due to the inaccurate information that was provided to them by XXXX XXXX due to my charge off date and what is being reported to the credit bureaus. 

If I do not received the above communication and the deletion of this account from my credit report I will continue with legal action due to the violation of the FCRA
A supposed XXXX XXXX called my employer stating he was from Oracle XXXX, left his number for me to call back, I work XXXX shift, my employer then calls me at home to give me the message. His callback number is XXXX, I work for an XXXX XXXX XXXX, I have no clue what this is regarding, when I called back he would n't give me any information other than this is a debt and he is sending the police to arrest me at my work if I do n't pay him {$1500.00} right now. I told him to NEVER call my work again and hung up, he immediately called my work again.
I XXXX asked Experian to update the phone number in my Fraud Alert in XXXX of 2014 and they did not do it. Both XXXX and XXXX XXXX did update the alert with my correct phone number ( XXXX ). Experian asks me to try their guessing game questions/answers of which they never match my actual data because I am a victim of Identity Theft. No one at Experian is able to help me. They ask me to re-upload, fax, mail etc. my ID and information to them. The info gets sent and they still do not update it. I am getting my credit denied for auto and housing because they do not have the correct telephone number in my fraud alert.
When I applied for the Capital One Quick Silver card, it was being advertised by Capital one as a card with " no annual fee ''. However, I am charged an annual " Membership Fee '' once a year. When this fee was initially charged for the first time in XX/XX/XXXX, I was able to get this {$39.00} membership fee waived without a problem. The representatives I communicated with on that particular occasion was very helpful and apologetic for the inconvenience. Furthermore, on XX/XX/XXXX, I was charged another {$39.00} annual membership fee. I called in on XX/XX/XXXX to dispute this charge once again. However, this time around, the representatives I spoke to were not helpful and informed me that they will not be able to help out this time around by waiving the annual fee. I do not know why I am being charged an annual membership fee in the first place when the Quick Silver card was being advertised as a card with no annual fees.
Have been trying for months to get a forbearance on my loan the old acs number says no longer in service and the new number says no ssn on file then just hangs up without connecting me. My account will go into default because I can not reach anyone.
I am disputing owing any money to XXXX XXXX. I sent the collection agency representing XXXX a certified letter asking them to send me proof of this debt and have received nothing. I have proof they received my letter of dispute and since they are not willing to provide the proof of debt they claim I owe, I would like any record of this supposed debt taken off each of the credit bureaus they have reported to!

I would also love to see a public apology to all of the current and former customers this company has blatantly ripped off. However with the likelihood of that happening being slim to none, I'll settle for clearing these fraudulent & fabricated claims against me from my credit record.

Thank You
There are two collection accounts from XXXX and XXXX XXXX XXXX. XXXX has confirmed my account with them is in good standing and I have never used XXXX XXXX XXXX for anything. There is also a Minnesota address on my credit report, but I have never lived there or even been there in 20 years. Neither Transunion nor XXXX  will rwmove this fraudulent information.
Subject : Urgent Request for Assistance, RE : PayPal Dear Madam or Sir, PayPal will not return {$1500.00} to me that rightfully belongs to me. On XX/XX/2018, I accidentally transferred money from my XXXX XXXX  account to PayPal. I intended to transfer money from my husband 's account in another bank. Now PayPal will not let me transfer my money back into my account. 

The issue is that PayPal requires me to have a US mobil phone number to verify my identity. But because I moved permanently to XXXX I cancelled my US mobil account and now have a XXXX XXXX phone that PayPal 's security system will not accept. PayPal so far will not accept any other form of identification although I have provided my passport to PayPal. 

Over the past month and numerous phone conversations with PayPal the situation remains that PayPal has to override its security algorithm to allow me to regain possession of my money from PayPal. Meanwhile PayPal collects interest on my money in its bank account Im assuming ( while claiming not to be a banking service ) and refuses to return my money to my US bank account. It must be noted PayPal had no problem transferring my money from my account to PayPal. 

PayPal said it needed to update my PayPal account when I moved to XXXX, but I did not anticipate the Catch-22 kind of situation that has since occurred. I was advised in the last conversation with PayPal on XX/XX/2018, that the only way PayPal will return my money is if I return to the US and open another mobil account to verify my identity, a solution that is totally unreasonable and financially prohibitive. 

I hope your office will be able to assist me in this matter.
I called my bank BOFA to ask for a new debit card as the one I have the magnetic strip seem to be worn. They told me that I have to pay {$5.00} to replace it because it is not expired as yet. Is this fair to ask a consumer to pay for a new debit card?
My current servicer, faye servicing, has not provided me with my annual escrow statement. I am in an active chapter XXXX bankruptcy. My lender has an authorization on file from my attorney to speak to me about all aspects of My loan. Despite being in an active chapter XXXX, I get a call from a representative requesting me to make a payment on the loan every month. I do make my payment every month, however, as there is currently no penalty, I make it towards the end of the month. When the person called me this month called for payment, they mentioned that the amount was {$2600.00}. My PITI is {$2000.00} so I was very surprised to hear this. The associate mentioned that there was an escrow analysis done in XXXX and I had a shortage. This does not make sense to me as my taxes have decreased every year since Hurricane XXXX, as my home had been damaged by the storm. My flood insurance increased by {$300.00} annually. This does not warrant a {$6000.00} annual increase. I am demanding an out of cycle escrow analysis and also to be sent a copy of this. I am requesting any reserve requirement to be removed. While I understand that RESPA allows lenders to collect a reserve of 16.667 % in NY, I also know that if I request it to be removed, it must be. If there is a shortage, I am requesting that shortage to be spread over 60 months interest free, also allowed by RESPA. I am also requesting a payment history from when Faye acquired my loan until today, as I need to verify how they have been applying my payments. On top of this, I had completed a HAMP modification in XXXX 2011. As part of this I am supposed to receive an annual incentive applied to my prinicipal I the anniversary of my modification for the first 5 years of the modification.. Last year I had to ask for them to do this, otherwise I believe they would have kept the money for themselves. 
Please note that in no way am I experiencing a hard ship or requesting any financial assistance and do not want my payment dispute to be confused in any way. I simply need to ensure that this lender adheres to all requirements of a lender and provide me with the documentation that they are supposed to. I also do not want a XXXX Line generic response, as they provided in response to my last complaint. Or a rude response as my so called account manager XXXX ( sp? ) has provided. I look forward to hearing back. I can be reached at XXXX.
I used to have a WalMart store credit card, issued by Synchrony Bank. I closed that account XX/XX/XXXX and received a confirmation email. I noticed on my XXXX Credit Report ( XX/XX/XXXX ) that the account was reported closed by consumer, but did not see that Synchrony Bank checked my credit report on XX/XX/XXXX. When I checked my XXXX Credit Report on XX/XX/XXXX I noticed that up until XX/XX/XXXX they report the account as ok, and checked my credit report again on XX/XX/XXXX. On XX/XX/XXXX I mailed a written complaint to Synchrony Bank. The Bank responded on XX/XX/XXXX, but no result yet. On XX/XX/XXXX they have sent another letter, asking me for a copy of my credit report. I have mailed that specific page on XX/XX/XXXX. While I am waiting for their response I checked my Credit Report on XX/XX/XXXX and noticed that Sycnhrony Bank has checked my Credit Report again on XX/XX/XXXX, which is before I have sent my first written complaint to them. Therefore they have no legal right to check my Credit Report on the regular basis, or check it at all for that matter. I was willing to wait patiently for the outcome of my complaint, but I have not expected Synchrony Bank to further check my Credit Report after my first letter from XX/XX/XXXX.
My Credit Score on XXXX is currently XXXX points lower than on my other Credit Reports, and that bothers me, although I still have an excellent score.
On XX/XX/2017, I received an alert via my XXXX account that a collection account from SW CREDIT SYSTEMS L.P. had been added to my credit report. The account referred to a XXXX account. This collection account was added to my credit report without any prior contact from SW Credit Systems. It is not mine -- I have a current and active account with XXXX. 

On XX/XX/2017, I sent a debt validation letter by certified mail to SW Credit Systems requesting them to validate this debt. They have not responded.
Inaccurate reporting for several accounts w/ Fedloan servicing. I called around XXXX of 2014 to reinstate my account and was told that I could have a forbearance put on my account which would be retro-acted to the beginning of delinquency. I specifically asked if this would also change the reporting of those months. I was advised that it would show as a forbearance on my credit for those months. I request that all of my accounts be updated to reflect XXXX 2014-XX/XX/XXXX 2014 to reflect as under a forbearance plan or current. XXXX of the accounts already reflect current for XXXX 2014 only. Additionally, I request that they remove the " customer disputes '' language/notation from ALL of my fed loan servicing accounts once reporting is fixed. To ensure proper research I direct you to the first conversation in XXXX and listen to the recorded conversation that stated my credit would show forbearance and no delinquency. I have reached out twice now with NO RESPONSE to get these matters fixed.
Equifax refuses to show correct balance for XXXX For XXXX and XXXX XXXX XXXX for XXXX. XXXX XXXX XXXX not showing the XXXX payment I made to them. I received XXXX credit from XXXX XXXX XXXX not showing in the correct balance owed. 
I want an investigation as to why Equifax not showing correct balance Owed for these XXXX creditors. 

XXXX XXXX XXXX
Our experience with XXXX XXXX XXXX XXXX is an ongoing practical and nightmare, now in its 3rd month, delivery still not completed, goods lost, others horribly damaged, even as XXXX keeps running up more charges against our credit card accounts without our authorization. Now XXXX is sending us forged and altered documents in order to try to bill us even more. 

We never authorized XXXX to make these charges. We had a COD deal but they charged our cards even before anything was delivered without knowledge or permission. They also delivered only a partial shipment and collected fees before a bill was ever presented. 

There are many other problems with these transactions. They are secondary. The deal for this move was based upon weight. XXXX had the responsible to get the truck officially weighed unloaded and fully loaded. But has yet to give legitimate weigh station forms to substantiate the charges. 

To prove up the weight of the first truck XXXX provided a scanned copy of a weight scale receipt which is unsigned AND which has hand-written alterations of the truck 's ID numbers AND which has a pre-printed legend that it CAN NOT be used for legal trade in California! The weight scale company CATScale told my husband that this is an invalid receipt, period, the end. Then XXXX provided us a scanned copy of another CATScale receipt, supposedly for the fully laden truck the night of XXXX XXXX. This receipt is signed, but it also states it is not for legal trade, AND MOST IMPORTANTLY, the truck 's ID numbers have been altered in handwriting. 

Delivery is still not complete and we have many damaged and missing items - they wo n't return our calls. I am trying to get the credit companies to reverse the charges. Since I did not authorize them, and I have not seen proper billing for me to agree to pay such charges. Also the services they did provide were unsatisfactory in many ways - resulting in damage to goods and properties as well as breaking the contract and delivering part of our load 26 days later then the contract. 

Does n't the consumer have control of where and when their money is spent. 
We need help. I absolutely did not authorize the charges the card was specifically meant to hold the reservation and the COD deal combined with billing is when I was suppose to pay the invoice. The first part of move in was XXXX XXXX you can see they did XXXX charges before we moved in and before we were presented with an invoice. 

If the credit cards were doing their job that would have done more due diligence and find out about authorization for such large charges. 
There are XXXX companies involved in this Bloomingdales XXXX, XXXX XXXX XXXX and XXXX XXXX. 

I want the charges reversed and I want to get legitimate proper bills with no cross-outs and hand writing on forms from XXXX that I can review prior to making any payment decisions. 

Thank you for your help, XXXX