WillisBack/dataset-financial-user-claim huggingface dataset:
Nationwide Recovery Systems ( NRS ) ( XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone XXXX 

This company is fraudulently trying to collect debt that his been paid. 

I 've sent them a copy of the receipt which reads the original account number issued by the medical provider. However, NRS claims this is not the account because it does n't match the account number issued by their agency. 

The amount they are fraudulently trying to collect is {$930.00} which is the exact amount on the receipt I sent. The medical provider is the same, the amount is the same, and the date of service is the same. Yet, they claim it is a different account with the same exact amount on the same exact date with the same provider. 

I 've checked with the provider and the account paid is the only account they have. There is no second account on the same date for the same exact amount. 

I need for the harassment to stop. I paid my debt and do n't want to be extorted into paying it again. 

I appreciate you looking into this matter.
I have called each Bureau numerous times to correct my name and address.They are reporting my name incorrectly also my address. My names has the incorrect spelling. They have address I have never lived. I asked to just update with current address and delete those that I have never resided and nothing happened. I called and sent in letters. I have also sent in 609 letters requesting accounts to be verified and they mail me back a report stating updated. I requested each bureau proof on paper to be mailed to me of each account showing to be verified and updated. If they can not provide that proof they should delete it immediately. All this is what i sent in my 609 letter. I received no verification from any account. I want all to be deleted and  my name and address to be correct. This is taking a toll on my financial situation. I want what belongs to me and everything that is not mine to be deleted. I want accuracy. I am fighting for my report to be correct and they are ignoring me. I want proof of every account they have, that is supposedly mine. I want my name to be correctly spelled. i want my address to be correct and every address not mine gone. I want the correct social security number on there. I just want accuracy.
Receive notice from credit bureau that a collection file was added to the 3 credit bureau, for a XXXX dollar debt. I have yet to receive a written documentation from this collection agency in order for the right to confirm, or reply for verification of debt per. the fair credit reporting act. But they added this debt without giving me due process to verify this debt. In doing such I had no right to dispute or confirm if this an original debt is correct. in doing this unfair practice my credit score was drop, and made collection added as if it valid. I 'm a single parent trying to do right I will not be rail roaded unfairly.
Some dept collector company LVNV Funding with the name of XXXX XXXX XXXX XXXX. keeps calling and threatening to bring my credit score down. They claim I owe money to some credit card company. I was told my credit score would be brought down to XXXX. I was told could I could only receive the company I owed was if I gave them my social security number.
I am an XXXX XXXX and often have problems with the loan originators in the closing process. At some point an insurance agent issued a wrong document and now the lending institution thinks that is what they should get. There are several problems with this ( I am happy to go over, but do not think there is enough room here ). The main issue is they have no insurable interest, they do not have this until after the loan has recorded. There fore the only document they are entitled to is a binder. In order to get a binder, I need a binder request. 

This company ( XXXX XXXX a division of Ethos Lending LLC XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX L # XXXX ) The contact which has been contacting me from this company is XXXX XXXX ( XXXX ) ( she has copied XXXX XXXX ) The correspondence started with her emailing, asking me to replace the current lender with them and send a copy of the policy and the replacement cost guide. I replied asking if they were the lender and have closed the loan. She advised no, I replied we can not put them on the policy as they have no interest. We went back and forth on that. I continued to tell her to send me a binder request and appraisal in order to move forward. She eventually went over to me to my company ( XXXX ) and had them make this change. My company reached out to me to discover that XXXX was not recorded on the loan.
I have XXXX medical bills on my credit report that I have spoken to a representative about that I should not be charged for and she said it should be removed within 30 days after I provided the needed documents such as copies of my insurance cards and the bills are still on my credit report.
I opened up a private label credit card with Wells Fargo Bank for the XXXX. This account had a {$1400.00}. credit limit and was opened in XXXX 2013. 
Purchases were made on the card in XXXX and XXXX 2013. All payments were made on time, and the account was paid in full. 
I went to use the account in the last week and discovered that it was closed unilaterally by Well Fargo. This was without any prior notice, or without any negative action on my part. 
When I called them up, they told me that the account was closed due to XXXX months inactivity. 'I was informed that if I wanted to, I could re-apply for the card in person at XXXX of the XXXX XXXX locations. The closest location is XXXX minutes away from where I live, and there is no ability to apply online. 
There was no notice of this 18 month requirement in either the consumer credit agreement I signed, nor their current agreement. 
This has had an impact on my credit as it has reduced my available credit. 
I feel this was an arbitrary and capricious action on their part, as well as a poor customer service action.
XXXX XXXX XXXX, is also reporting multiple loans as XXXX XXXX past due and these loans are older than XXXX  years. At no time, have I ever had any written correspondence XXXX XXXX XXXX.
On or about XX/XX/2010, Capital One and there Agent Attorney XXXX XXXX XXXX, filed a fraudulent case against me without giving me any NOTICE of the alleged debt. I was never served. The case set on Maryland XXXX for XXXX YEARS and then the submitted and Affidavit Judgment. I have never received any notice and was never served. Why did the case just set on Maryland docket without any activity? This is fraud and i request an investigation into this matter.
I did review on the company midland credit management and they had no good reviews. I do n't remember owing the said amount to the actual credit card company but they claimed that 's what i owe them. I feel i owe half of that. They also tried really hard to get a lot of my personal information which made me feel really uncomfortable. They gave me no payment options rather just told me how much I have to pay and when i am going to have to pay it. Then he gave me the address where to mail the payments and it clearly says on the letter not to send the payments to the address he gave me. I am afraid to pay this company for my debt, I feel i will be wasting my money because the reviews they have are awful and they are not XXXX accredited. How do i avoid dealing with them and make a payment to someone who matters? My account manager was an XXXX man that i could barley understand and I 'm unsure if this is even a legit company. I feel because they have my social security number, they that can do bad things to me over such a small debt.
I have disputed  XXXX   XXXX   XXXX  numerous of times on my credit report with Experian and  XXXX . It is showing as an repo on my credit. I have asked for debt validation from both CB 's and orginal creditor. I have asked for an copy of the orginal contract. I have called the creditor and was informed that they have no trace of the contract that an agent will request to see if the warehouse has it. That was on  X/XX/17   . On  X/XX/17    I called back and the agent told me she doesnt know why but there isnt a contract on file. This is creating an hardship and I will proceed to sue if this error isnt corrected. Experian and  XXXX  is going against the FCRA by not looking into my disputes.
Hi, I opened a XXXX XXXX XXXX XXXX XXXX card and completed the requirements to make {$1000.00} in purchases during the first 90 days to earn XXXX bonus points. However, when I tried to redeem the points, I was told that in order to redeem them, I had to first have a stay at a XXXX property. This was not communicated anywhere in the account disclosures, and in addition, the card landing page ( https : //www.commercebank.com/XXXX ) states " Earn XXXX Bonus Points Towards a FREE Night Stay '' which is a false statement because the points can not be redeemed without fulfilling other terms.
TD Bank will not refund fees that are related to checking account pulls from XXXX that were unauthorized. I called into TD Bank to let them know that these transactions are not my doing, yet they are willing to let my account be overdrawn - {$310.00} because of these fees. 

I have incurred overdraft fees due to unauthorized XXXX transactions on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, yet TD Bank did not stop XXXX at any time from withdrawing my account.
XXXX XXXX I joined XXXX on a month to month contract. 
XXXX XXXX I sent via certified mail membership cancellation -pd. final month, {$25.00} canc fee, & returned membership card. 
XXXX XXXX received charge from XXXX XXXX. Sent letter reiterating above info. Also, in between my cancellation and this date XXXX CLOSED ( went bankrupt? )! I assume they sold their gym to XXXX, as I began receiving bills from them threatening collections! ( I NEVER was a member of XXXX ). 
XXXX XXXX faxed dispute to XXXX with all docs. Spoke with customer service who informed me this would be removed- incorrect charge. 
XXXX XXXX recd. notice from collection agency XXXX XXXX for XXXX. I called and spoke with rep. who told me this would be removed immediately! I also sent via registered mail copy of all docs. 
As far as I knew this was being considered a fraudulent charge and was resolved/closed. 
XXXX XXXX recd. letter from XXXX XXXX XXXX from XXXX - provided registered docs that not only was this incorrect - but also fraud. 
I had cancelled a membership with a club that went bankrupt/closed. They sold their facility to another gym. Who FALSELY and FRAUDULENTLY began billing me through XXXX XXXX and sending incorrect info. to credit agencies. 
This incorrect/fraudulent/closed account is still being reported on my credit report! I would like it removed and resolved immediately! Thank you. 
I believe that both XXXX and XXXX are directly responsible for all of the above mistakes! 

( ( PLEASE DO NOT INCLUDE MY SUPPORTING DOCS AS THEY HAVE PERSONAL INFO. HOWEVER, I AM FINE TO SHARE THE SUMMARY ABOVE SO OTHERS CAN LEARN ABOUT PROBLEMS WITH BOTH XXXX AND XXXX! THANK YOU ) )
I attended XXXX XXXX XXXX in XXXX XXXX, Florida from XX/XX/XXXX to XX/XX/XXXX. While I attended schooling I was mislead in the education was receiving and cost of schooling of there. When I graduated in XX/XX/XXXX I noticed the total cost was not the same as I previously told by others that show me the total cost. Then in XX/XX/XXXX I was receiving phone calls in regarding of paying back on a private loan that was from that schooling. I was not aware of any private loans nor I did not sign for any private loans and again told everything was done through U.S. Department of Education. I was mislead with the information that was given to me at that time and a loan went to a private loan. The private loan is XXXX XXXX XXXX. From XX/XX/XXXX to current I have been paying this loan and having trouble with the payments every month. Also in XX/XX/XXXX XXXX XXXX XXXX close it doors for good and many people in a similar situation of repaying loans for a school that mislead consumers like me in the cost of the schooling. In XX/XX/XXXX I filed a Borrower Defense claim with the U.S. Department of Education and it is still pending. Then in XX/XX/XXXX a U.S Judge awarded XXXX XXXX in claims for students attending the school for private loans and Education loans. With the loan with XXXX private loan the amount has not deceased since XX/XX/XXXX to current. It is still the same amount since it has begun. I do not understand how this can be since I have been paying for this for 5 years. Also it has destroy my credit because there are moments where I did fell behind and they keep harassing me with phone calls with threats till I give in and made a big payment so I can get caught up and end the harassing phone calls. In my opinion this private loan should be connected with my Borrower Defense claim because they are both coming from the same school. This loan should be forgiven because the school is no longer in exist and the court has just awarded for any students attending this school for private loans and Education loans. Please help me with this situation of ending this private loan.
I applied on line for a Wells Fargo Bank account so that I had somewhere for my father to wire my money. He lives in a rural area where the nearest XXXX XXXX is 3 hours away so it would be easier to wire money straight from his bank to mine. 
I was refused a bank account. I had resolved my bank account issues to my understanding with Wells Fargo. They understood that the previous issues were due to fraud. They XXXX out my account and I chose to close the accounts until a later date. They did n't even reimburse me for what was fraudulently taken from the account. 
Now I am refused an account 3 years later and want to know why.
This is a complaint against STATE FARM BANK. INQUIRY DATE : XXXX XXXX I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
There is no communication between the app and my bank! It is very important that the bank have communication with the app company.
I first became aware of the Portfolio Recovery Associates collections after reviewing my credit report in XX/XX/2017. Prior to XXXX I had no communication with PRA and was not aware of the collection. Upon requesting verification of the debt, I was told that they had sent communication to an obsolete address. I have lived at my current address for 7 years and can provide proof of residency. I was told by PRA that the original creditor was XXXX, although XXXX is aware of my current address. I am confused as to why they would attempt to send communication to an old address when XXXX was aware of my current address. I do not think it is right to enter collections on my report without providing me with an opportunity to validate the debt and ensure accuracy. I was not allowed to properly exercise my debt validation rights under the FDCPA. After researching this company it has come to my attention that although I was never sent any information regarding this debt the company called me repeatedly but never left a voicemail indicating who they were. I have had absolutely no communication with Portfolio Recovery Associates until I called to inquire as to why they were listed on my report. The customer service rep that I spoke to was very rude and accused me of lying about the accounts. I asked to no longer be contacted via phone and that all correspondence be sent through U.S. Postal service. In my initial request for validation in XXXX, I received what I believe to be inadequate validation. In their validation they merely included a blank credit card agreement ( that was not signed by me ) and a copy of 3 months of statements, none of which reflected any activity. I am not requesting a verification of your records or a verification of the credit card company 's current policy. I am asking for proof that I incurred this debt, how much was incurred and that you have the right to collect it. Proof of my liability is my legal right under the FDCPA.
Hi I am XXXX XXXX, I co-signed for my friend to buy CAR from WESTLAKE FINANCIAL SERVICES on XX/XX/XXXX. But car got stolen on XX/XX/XXXX, and filed the police complaint on same day. The car is stolen, and same information is passed to WESTLAKE FINANCIAL SERVICES. If car is stolen, how we are responsible for the payment?? 
They keep on reducing the my credit score ( initially, it is XXXX ) without contacting me. I tried several times to contact them, but they are keep on holding the calls for several hours, but ultimately no is able to solve my problem. Vehicle got recovered by Insurance on first week of XX/XX/XXXX. Now issue is Insurance company handed the car to Title owner ( i.e..WESTLAKE FINANCIAL SERVICES ) and the car is with dealer. There is some negotiation going on between dealer and WESTLAKE FINANCIAL SERVICES. 
In the Meanwhile, my CREDIT SCORE is reduced to XXXX and surprisingly my creditcard limit is reduced from XXXX $ to XXXX . 
It is not fair at all. I am not the owner and car was stolen and no proper communication services from WESTLAKE FINANCIAL SERVICES.
Please see attached document for full details of complaint. Experian has failed to conduct a proper investigation and I am demanding a full description of the procedures used to substantiate the conclusions of their investigation into the following accounts : XXXX XXXX XXXX ******* I am preparing to take civil action if this request is not handled properly*****
I was contacted by Portfolio Recovery regarding a charge account that was delinquent. They called my cell phone repeatedly each day and sent the information to XXXX XXXX XXXX where I was informed I had to pay the amount or I would be sued in court. During this time I was going through a tough financial time as well as recovering from a divorce but felt pressured to comply or fear going to court. ( I have never been to court so that aspect scared me to death as I was n't sure what the Judge would order. I did n't want to go to Jail and not be able to see my son ). I had to borrow the money to satisfy the outstanding debt.
I had a fire loss to my property last year in XXXX. My insurance company came out and inspected the damage and estimated the cost of repairs. I found a contractor who also submitted a cost estimate to complete repairs along with a payment schedule. This proposal was accepted by both myself and my insurance company and the insurance company cut a check for repairs. The check was made out to my husband, myself, and my mortgage company. So far, we 've had 1 inspection that indicates that 50 % of the work has been completed. My mortgage company 's loss draft department is now not following the contract, and has so far released 50 % of the funds but has not been willing to dispense more funds to continue working. My contractor has written that without more funds sent we will be in breach of the contract and he will walk from the job. I 've spoken with the mortgage company numerous times at this point. They insist that another inspection needs to be done to send more money, and I have ordered another inspection in the hopes that we can continue to move forward with my home repairs. However, each time I call Planet Home Lending they have no records of an inspection having been ordered and I am told that I must speak with my processor. Yet my processor is always either on the phone or not in the office and I 'm told that they will call me back. No one has called me yet and when I call I continue to get no answers.
On Tuesday,XX/XX/2018 at XXXX I was contacted by D & A Services on behalf of XXXX XXXX , I was threatened with a lawsuit if I did not make a promise to pay to debt. I was repeatedly told the call was recorded. I asked her to please stop threatening me with a lawsuit she did not stop the scare tactic.

Also on a previous call, they informed me that they had checked my credit to see that I had been settling other accounts and told me I need to settle with them or they would take to me court and garnish my wages.
In XX/XX/2017, J.P. Morgan Chase Bank refinanced a loan owed to another lender. I make mortgage payments by ACH transfers from an account at XXXX. When I made the first required payment, I included additional funds in the ACH transfer, assuming that those additional funds would be used for additional principal payments. Instead, J.P. Morgan Chase treated the additional amount as additional monthly loan payments, i.e. Chase deducted amounts for future months ' would-be interest in addition to principal paydowns, as if this were a car lease rather than a home mortgage. 
I called their customer service agent, who confirmed that this was done, and that Chase always does this unless the borrower uses US Mail to mail-in a payment slip that expressly lists the additional amount be used to reduce principal. The agent asserted that Chase would backcredit my account correctly. 
I believe that Chase 's policy ( i.e. unless otherwise expressly ordered, the default treatment is to apply additional funds to future amortization payments, rather than principal reduction ), is a violation of Federal Reserve Regulation Z ( the Truth-In-Lending Law ), which may be adversely affecting thousands of borrowers.
The Experian web site is not consumer friendly and very misleading. 
When my new credit card arrived from XXXX XXXX it contained a notice with my credit score from Experian dated XXXX/XXXX/2016. The enclosed note also had instructions on how to obtain a free copy of my credit report. It had mentioned it was federal law that I can obtain my credit report with 60 days of that notice from XXXX XXXX. 
So I followed the instructions and went to XXXX. 
The landing page steps me through a set of questions that strongly implies I have to pay for my report if I was not declined credit. So I went back to the main landing page and looked very carefully at all the words on the page. In very small letters at the bottom of the page there was a link to another page that explains the federal law and the free credit report. Complaint # 1 : the hiding of the free report is clearly not consumer friendly. 
Complaint # 2 : When I clicked on the link for the instructions to get my free report, the page was not available - implying the service was down or not available. I had to come back a few times for the page to render properly and display the instructions. The link I used is below. 
XXXX
I received communication from XXXX XXXX associates about an amount they claim I owe of {$2400.00}. The letter was dated XX/XX/2017 and XX/XX/2017, to establish the debt was validated. In the letter, I received a billing statement. A billing statement does not show a binding contract. I am formally requesting a copy of any documents bearing my signature showing that I have legally binded in a contract to pay the alleged amount.
I have requested deferments on this account and or loan forgiveness because the school is no longer in business and while attending this school, I was not satisfied with them. I was not able to continue with the payments assigned to me at that time. I continue to ask for a deferment but the vendors/loan companies for the school continue to pressure me to accept a forbearance. I know that a forbearance causes the student loan to increase and at the time I was working and making {$9.00} an hour with XXXX XXXX and could not afford to pay on these loans. Since the school has closed. I am requesting a loan forgiveness. Please advise. I appreciate your time and concern with this matter. I eventually continued my education with the monetary assistance of my parents. However, I am receiving continued calls and emails for Navient and XXXX XXXX XXXX. I can not afford a Forberance and continued request for a Deferment is not answered.