WillisBack/dataset-financial-user-claim huggingface dataset:
REf # XXXX Portfolio Recovery. 
The creditor filed an illegal law suit against me and was issued a judgment based on fraudulent information. The creditor had/has no proof that they even own the debt in question. Further the affidavit confirming the amount of the debt owed was " robo-signed '' fraudulently and the actual amount of the debt was never actually verified as required by law.
I have had repetitive phone calls ( a recorded message ) telling me that this is a debt collector and to call XXXX and give them this # : XXXX. I typically hang up but have grown tired of the calls so I called the number. There were XXXX recorded options : Press XXXX to pay the debt, Press XXXX for a 'settled in full ' letter, Press XXXX for wrong #, Press XXXX to speak to an agent. I pressed XXXX and asked the agent ( with an XXXX accent ) why I was being called as I have NO debt. He said he would check my info and shortly we were cut off. The company says it is XXXX.
I canceled my  XXXX  cellular service in  XXXX   XXXX .  XXXX  in  XXXX   XXXX  sent me a bill that was not correct for my last month of service. I did not ignore the bill. I contacted  XXXX  and they confirmed that the bill was not correct. I have the online chat transcript from  XXXX  confirming their bill is incorrect, which I will attach to this complaint. Instead of correcting the bill  XXXX  sent it to bill collection company called  XXXX   XXXX   XXXX   XXXX . I became aware of this in  XXXX  of  XXXX . I initiated a dispute with all  XXXX  credit reporting companies and they deleted it from my report, including Equifax. I have attached the  XXXX   XXXX  dispute response from Equifax.  XXXX  then sent the bill to another collection agency  XXXX ,  XXXX  who placed it on at least  XXXX  credit reporting companies  XXXX   &  Equifax. I became aware of this in  XXXX  of  XXXX  and again disputed the action and  XXXX  deleted it from my credit file. However, Equifax has taken the position that the bill is accurate. They have done this based solely on the fact the  XXXX ,  XXXX  has reported back to them that they believe the bill is correct because the vendor  XXXX  now claims the bill is accurate. I have attached the correspondence from Equifax on the latest dispute. Equifax has done this even though I have provided them evidence from  XXXX  that the bill is not correct. I no longer know how to defend myself against Equifax and  XXXX ,  XXXX  who insist to ignore the evidence provided directly from the vendor  XXXX  that a incorrect bill is correct. This has been a tremendous amount of work. It has had a negative impact on my credit rating of  XXXX  points and is causing problems with my business activities. I respectfully request that you assist me in getting Equifax to properly report my credit.
Good afternoon, I called Merchants Preferred Lease-Purchase Services several times, and I did not get a concrete answer or solution to my issue. In XXXX, I called and planed an automatic additional payment of {$150.00} of my agreement. The initial agreement was for {$1000.00}, including {$49.00} that I paid when I received the agreement. On XX/XX/XXXX I called to finish paying the outstanding balance of {$270.00} ( amount indicated by the company by phone on the previous call ). I made six payments in addition to the first one of XXXX XXXX already mentioned, so I paid a total amount of XXXX .
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When I called to make the final payment, they told me that my final payment date was actually on the XXXX, not XXXX, the one thing that neither agrees with the information previously received, nor with the e-mail sent by you. The email sent by you onXX/XX/XXXX indicates that the recurring fee would be deducted on XX/XX/XXXX, so It is not consistent with the date they previously mentioned. In addition, in my agreement the first payment wasXX/XX/XXXX. <P/> I contacted them not only by e-mail, but by phone a lot of time, and they always told me that the supervisor would contact me, which never happened. They told me that they would check my calls to verify the information they had been giving to me, however I never received that call. On XX/XX/XXXX ( yesterday ) they called to advise that I have to pay more.
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I sent letters to them, which I am attaching to my complaint, however I never received response.
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I have been not only punctual in my payments, but also I program additional payments with anticipation. I am a responsible person with my debts and my obligations and my intention is to keep myself as such.
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For all the reasons stated above, I requested a stop payment on my bank and They are NOT authorized by me to debit any other payment from my bank account.
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I have been waiting for their e-mail or call, since XX/XX/XXXX. <P/>
Thank you
In XX/XX/XXXX, I spoke with a representative from XXXX XXXX XXXX about a past debit. At that time, I made arrangements to settle the debit. I also asked the representative, that once I paid the settled amount, would this collection be removed from credit report. The agent advised that it would. I called back once the debit was paid and was informed that that it would stay on my credit report for seven years. I spoke with a manager by the name of XXXX, who advised that he would listen to the conversation that I had with the rep. However, he never returned my call. I then began to research the company online and noticed that XXXX XXXX XXXX XXXX, licence with the State of Georgia has been dissolved since XX/XX/2016.
I was contacted by a representative from XXXX XXXX and was informed that they were collecting a debt. First they called my work number, when I advised I could not receive calls at work, the representative advised me he would note that in my file, yet if they took legal action they would be able to call my place of employment. When speaking about re-payment options the representative then informed me that if I did not submit payment in the current month we were in that I would be sued and my wages garnished. The threat of legal action was used to harass me and threaten me into making a payment on there terms during the call. I have never received initial notification of this company taking over the collection of the amount owed for the account. I spoke to my wife, and she then called to speak to the account representative that had called me earlier, she asked the agent who contacted me if the account was in standard collection or legal collections. The representative adamantly confirmed that there were not any legal actions taken currently, even though he had just threatened to garnish my wages on the prior call. My wife asked if they had purchased the debt or if they were collecting on behalf of the original creditor, in which she was informed the company was collecting on behalf of the pay day loan company. My wife asked for validation of the debt to verify that they did have the right to collect the amount owed. Even though I do not deny that I owe this account, the representative did not advise myself or my wife of the legal disclosures that the calls were recorded and that they were a debt collector. This along with the abusive and harassing threats of legal actions to make me set a payment agreement that I was not comfortable to make nor could commit to paying without placing myself or my family in finiacial harm.
A I have a daughter who just graduated college she has yet to find a job I contacted navient to see what my options would be instead of advising me that I may be able to pay the loan on her behalf they kept placing her in the forbearance mode now she has more than {$2000.00} and additional interest on her loan I would like to know why if it was possible for me to put pay the loan on her behalf it was never advised this is not fair I would have been glad to do so until she is on her feet now the amount of alone has gone from XXXX to XXXX I understand that there was a federal lawsuit navient and it would like to know if a parent of a student can refinance a loan for them company takes advantage of our future generation and because of there an ethical practices the future generation of this country is in XXXX
On XX/XX/2014 I sent the company a demand for validation for the refereced account The company failed to provide validation and in violation of Sec 809 FDCPA continued to report the account on my crdit report
XXXX XXXX XX/XX/2018 XXXX, Transunion, and XXXX RE :  Accounts # XXXX To Whom It May Concern : I am requesting that you investigate and immediately remove the negative account from XXXXXXXX XXXX XXXXXXXX, XXXX Account # XXXX be removed from my credit reports. This account is violating the FCRA section 609 by  reporting wrong or inaccurate information onto my credit reports
i need billing history for the account. I need to have full payment history, 1st date of delinquency, last payment date, 1st major delinquency, date account was opened and date account was closed.
I 've asked for debt verification letters to be sent, and to this day I have NEVER received any letters of debt verification from the collector.
Representatives from " Alpha Recovery Corp '', which is a debt collection agency, call me multiple times every day. I do owe a debt, however they are not following the terms that they have previously agreed upon, as they have not sent me all of the information regarding my debt. They claim to have a XXXX page packet from the apartment company who gave my information to Alpha Recovery, however, I still have not seen it, several weeks after first hearing about this debt. 
I have been hung up on mid-conversation, badgered about how safe this arrangement is, told that I should not get legal advice, and been told that my tone was unnacceptable when I simply asked for more information than what had been provided. I was willing to pay the amount required, they agreed date of, payment has come and gone, and still no paperwork from them. They also refused to conduct any of this business by email, stating " we ca n't do that '' I then received an email from them with a single page of information as an attachment. So they have mislead me, lied to me, and been very rude throughout all conversations.
Nationstar Mortgage, LLC assumed my mortgage three months ago. Since that time, each client statement has included a line item entitled " short payment '' in the amount of {$50.00}. Therefore there is a total " short payment '' of {$150.00}. I have called Nationstar Mortgage, LLC each month inquiring about this line item. Each time that I call, they can not explain this {$50.00} " short payment '', nor do they follow up on my requests for explanation. My payment amount is, and has always been, {$990.00}. I have never been late on a mortgage payment in my lifetime, so this should not be any type of late fee.
I have a loan with BANK OF AMERICA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and BANK OF AMERICA with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017 XX/XX/2017
To whom it may concern ; My name is XXXX XXXX and I am a previous Netspend cardholder. On XXXX/XXXX/2015 I filed a claim for unauthorized charges. I received correspondents in the mail on XXXX/XXXX/2015 informing me that claim # XXXX was found in my favor and {$180.00} would be refunded to my account. Unbeknownst to me, my account was closed on XXXX/XXXX/2015 without reason. I was never informed of anything suspicious on my account nor was I informed that my account was even being closed. On XXXX/XXXX/15 I tried logging into my Netspend account only to receive a message to call customer care because my account was locked. At that time they informed me that my account was closed and the funds were issued to a check and sent out to my address on XXXX/XXXX/15. I have yet to receive anything in the mail and any helpful answers for Netspend Customer Care. I even opted to have the check canceled and the funds put into a relative 's Netspend account. I 've read numerous accounts and complaints about closed account owners never receiving their check as promised. I can not afford to be one of those. If the check was sent out from Texas on XX/XX/XXXX, I should have received it by now. I just need my funds returned please. 
Thank you.
Upon careful review of all  XXXX  credit reports I found a company named CONVERGENT OUTSOURCI listed in my reports attempting to collect a debt on behalf of  XXXX .     Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation, which is binding on me to pay this debt. Below are a few questions, which may help you to resolve these mistakes.     You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state and federal agencies.     In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt.   Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor.   Any insurance claims been made by any creditor regarding this account.   Any judgments been obtained by any creditor regarding this account
My  Wife add ed me to her   XXXX   XXXX   card Issued by  XXXX    XXXX   last month. The card came  in 3 weeks ago however I recently pulled my report and I was told that It would show up on report as an Authorized user However it has not. I was wondering if that was going to happen before months end (   XXXX   XXXX . )
I am writing in regards to my XXXX XXXX CC. I opened the card in XX/XX/XXXX and have always paid on time and more then what we asked from me. I opened this card to help with my credit issues and to help bring my score up. 
I have enjoyed being able to have this card up until XX/XX/XXXX when I received a notice from XXXX  that I was reported 30 days late from XXXX XXXX. I was very confused since I made a payment on XX/XX/XXXX in the amount of {$200.00}. I called and spoke to a manager by the name of XXXX that explained to me that it should not of happened since XXXX XXXX doesn't report until at least 60 days past due. She explained to me that I was only charged one late fee, that she removed, and it does not show late. XXXX then informed me that she was going to write in my account that this needs to be removed and for me to send a fax to XXXX. 
I faxed a letter out explaining my concerns and on XX/XX/XXXX I received a letter stating that it would not be removed. I find this unacceptable since I have been a customer that has been in excellent rating with you and also on auto draft. I know that when I was talking with XXXX I explained to her that I never received a notice letting me know that my account was past due nor that my payment did not go through. XXXX explained to me that this company does not do that. I looked into to it farther and noticed that before when my payment did not go through, it inform me and also let me know if the account was past due. 
I have enclosed that evidence. I have also included copies from the three credit reports where it shows different reporting. XXXX  report shows that I always paid more then what was due but not on the other two credit reports. XXXX  credit reports shows no past dues but states 30 days. XXXX   shows paid on time but past due as of XX/XX/XXXX which my payment is not due until the end of XX/XX/XXXX. All the reports show a different outstanding balance on them as well. XXXX   shows date of last payment being XX/XX/XXXX but its late as of XX/XX/XXXX. It doesn't state anything where is has a delinquency first reported on it. Transunion shows Current on worst pay status. 
I am just hoping that we can resolve this issue since it is not reporting correctly. 

I am asking for the 30 days to be removed due to inaccurate information on all three credit reports and not informing me when the payment did not go through since it has been reported to me in the past along with when the payment was posted and if over my limit. 

Thank you for your time
I received mortgage assistance for the state of Arizona 's Hardest hit Program. This assistance helped me make my mortgage payment for a period of time. however, my mortgage servicer ( Shell Point ) is not showing credit for 4 payment sthat were sent. And I have asked them to research and correct this. This request has been pending since 2013.
Requested and received security freeze by mail. 
Called company on several occasions during " normal business hours '' as presented by them in the papers I received ; last call was on a Thursday at XXXX XXXX. Phone system stated their office was closed. Apparently no way to talk to a real person. 
Since I am a victim of identity fraud, need to know if my freeze is 90-day or 7-year extended. Additionally, need to know if their files reflect the fraud alert reported to all other CRA 's. 
The other agencies included a credit report with my confirmation papers and none was included by Innovis.
In XX/XX/XXXX, I applied for a CITI Simplicity credit card based on an advertised 0 % APR promotion. It is now XX/XX/XXXX and I have yet to physically receive the card. 

I called Citi on XX/XX/XXXX and spent 32 minutes talking to customer service and proving my identity. I was told a replacement card would be expedited to my new address. I wanted to use the card for Black Friday/Cyber Monday. 

I called back on XX/XX/18 to inquire about the whereabouts of this card and was told the card was never processed. I was told that Citi tried to contact me after my 32 minute call to them on XX/XX/XXXX,  but no voicemail was left nor is there any record of a missed call. No communication by email either. Citi never bothered to inform me that they were not sending me a credit card. I then asked to be transferred to a supervisor and was hung up on. No follow-up call, explanation, or apology was made to me much like my call 8 days earlier. 

There is an inquiry on my credit report from this credit card. Several months have passed and I have not been able to use the 21 month 0 % APR term, nor register the card electronically to see my monthly statement balance ( currently {$0.00} XXXX. I do not have access to any information regarding this credit card, nor can I use it to make purchases. 

I have another Citi card open in good standing ( with a zero balance / {$38000.00} credit limit ). 
I've never been treated like this by any other credit card company and would like the Citi Legal/Executive team to justify their service and execution. This is false advertising.
Once again I have spoken to SEVERAL representatives and they will not help me .... there are inquiries that were deleted BACK ON MY REPORT .... as well as a   XXXX   XXXX     XXXX  account that was deleted HAS BEEN REINSERTED ON MY CREDIT REPORT ... ... my good credit card accounts were irroneously deleted as well as some are reporting WRONG INFORMATION ... I would like ALL THE INQUIRIES  XXXX   XXXX  ACCOUNT DELETED as I told the representative that IT IS AGAINST MY RIGHTS AND THE FAIR CREDIT REPORTING ACT TO REINSERT DELETED INFORMATION
I had a original credit card through Military Star Card that the limit was {$5400.00}. I XXXX from the XXXX in XX/XX/XXXX and in XX/XX/XXXX I received a letter stating that Military Star was going to be taking {$170.00} per month from my XXXX check. I received a phone call today from XXXX XXXX with XXXX XXXX XXXX XXXX saying that he was a debt collector trying to collect a debt for Military Star Card and it would be around {$5000.00}. I explained to him that I having been paying Military Star Card every month in the amount of {$170.00} from my XXXX check. He put me on hold and looked into it and continued with owing them around {$5000.00} and the reason that the amount has not went down is because of the {$69.00} interest charge that is being charged each month for not paying. I called Military Star card and talked to XXXX and she explained to me that the debt has not been owned by them since XX/XX/XXXX. I asked where the money from my XXXX check was going to and she explained to me that they are allowed to collect that because I have had a debt with them. Can you please help me to find the proper resolution to this problem. Thank you for your help.
Beginning in XXXX 2016 I began the process of fixing errors present on my credit report with XXXX, TransUnion, and XXXX.
Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you.
or 2 ) Information on this item has been updated.
Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX
Creditor : XXXX XXXX  Creditor : XXXX XXXX Creditor : XXXX Creditor : XXXX XXXX XXXX Creditor XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX has deleted XXXX XXXX and XXXX XXXX XXXX XXXX XXXX has deleted XXXX XXXX XXXX  TransUnion has deleted no inaccuracies