WillisBack/dataset-financial-user-claim huggingface dataset:
When requested, Portfolio Recovery Services ( PRS ) claimed they acted on behalf of XXXX XXXX. However, when asked to provide documentation supporting the debt, PRS did not respond in a timely manner. Instead, the company would just send letters saying, " this letter verifies that you owe $ XXXX " but without any supporting documentation. 

It took more than a year to get documentation from XXXX XXXX. PRS never forwarded or provided any proof, even after multiple requests. 

XXXX did not provide notice to me that the account had been transferred and XXXX XXXX refused to provide documentation for a full year. 

PRS never provided any verification documents even though it was requested on multiple occasions.
The company is not accurate in there reports, having a derogatory statement on a a credit summary report and not on the full credit report. Looking at my credit summary on XXXX XXXX, which is powered by Trans Union, there is a derogatory statement for XXXX dollars for something called XXXX. After looking at my full credit report through Trans Union, the derogatory statement is not there, implying that it does n't say where it is from or who is collecting and why. Thus I would like to dispute that the derogatory statement be removed.
I am filing this complaint because Eqxuifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are Required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you for your time.
They are calling anyone with my last name leaving messages that they are coming to deliver papers to me and they he will stop buy my place of work again to deliver these papers. At which point, I will need to have XXXX forms of id and a person from our HR department verify who I am in person. 

They also are utilizing intimidation tactics saying that we can stop this legal process by calling their call center back. At which point, you are even threaten more, with being arrested for not paying debts. They also even threatened to tie my debt to my children 's credit reports to prohibit them from being able to perpetuate my lifestyle in the future. 

It 's a complete scam, because as I ask for proof of this payday loan, they hang up the phone immediately after saying you know you go that loan, stop playing.
I have a scheduled foreclosure sale date scheduled for  XXXX / XXXX / 17 . Ocwen requested documents on  XXXX / XXXX / 17  of an REO schedule which was provided the very next day. On  XXXX / XXXX / 17  when i spoke with  XXXX  with Ocwen, he confirmed that the documents were received and the file was submitted to their Underwriting dept but the sale date was still scheduled for  XXXX / XXXX / 17  and they would request postponement. On  XXXX / XXXX / 17  I spoke with  XXXX  who confirmed that the file was still in Underwriting but that the sale date had not been postponed yet and she requested that i follow up on Monday  XXXX / XXXX / 17  ( today  ) to confirm  that had been completed. Today when i called in they stated that the sale date was going to remain the same because the documents had not been completed 30 days prior to the sale date. This would completely contradict the information that they had been requesting. This is just very unfair. Now i am going to lose my home because of the misinformation.
Midland Credit management, Inc Sent me a pre-approve offer for a 40 % discount of a credit card debt. If payed before XX/XX/2016 The original amount was {$7600.00} The amount payed with 40 % discount is {$4600.00} So I agreed and payed it on XX/XX/2016 with a promise to receive a confirmation statement sent to my address.It had n't arrived. But I received a XXXX statements on XX/XX/2016 Stating that my payment returned or declined.But according to my bank the payment was received and cashed on XX/XX/2016 Attemps where made to resolve this issue by going to various address that were on the statement but were fraudulent.
I rented from XXXX apartments in XXXX. I broke my lease, gave more than 60 day notice. The management company was to send me a bill to my home address, because they did not calculate the final move out bill ( {$580.00} ). The company lost my address and never sent me the final bill, did not call. I called management 3 times to ensure my file was satisfied. They changed management companies, lost my file and slapped me with a collections charge of {$690.00} months later. 
1 ) Charge is too high 2 ) management negligence caused this to happen 3 ) I was not allowed to speak to management after it went into collections. 

Here is the latest letter they sent me : XX/XX/XXXX Current Creditor : XXXX at XXXX XXXX XXXX Balance : {$690.00} Enclosed you will find copies requested. 
If a balance is remaining on your account ( see above ), you may send payment in full to National Credit Systems , Inc . 
Otherwise, you may contact our office immediately at ( XXXX ) XXXX. 
It is important to know that National Credit Systems , Inc. is a third party debt collection agency whose efforts are solely on behalf of the current creditor who has previously validated this debt
Trans Union is submitting that a couple of my accounts " meet FCRA. '' This is not possible as they reported it before they sent me validation of my dispute. Per FCRA they can not report a debt before it is validated is my understanding. I have a credit report from TU on XX/XX/XXXX so I know what it said before TU received my validation of debt letter. I would also like to say that TU Credit Monitoring website informed me that XXXX reported that XXXX XXXX   updated my credit report on XXXX. This is very deceptive as you will see in the screen captures of credit reports that XXXX has not and that my disputes with XXXX are still under investigation. XXXX received my dispute on XX/XX/XXXX but to my knowledge the said accounts from XXXX and XXXX XXXX XXXX are in dispute not renewed. It seems that Trans Union has reported that these accounts meet FCRA because of this. I will include screen shots from TU Credit Monitoring.
I have been getting calls starting early morning to late at night from XXXX. I called them this morning after a call from them at XXXX. When I got a service rep, she told me I could do nothing about the calls and that since I was n't a customer I could not speak to a supervisor. She told me that only the person who owned the account could take my number off their list. This is from PNC bank and I have no accounts with that bank and never have! What am I suppose to do to get them to quit calling me?
BMW Financial Services claims I owe XXXX I believe, amount might be incorrect. This amount is the difference from payoff received by XXXX, the insurance company for the party who totaled my vehicle which occurred on XXXX XXXX of this year. A GAP claim was filed, however, the claim was paid out with no benefits and do not know why. I advised both parties, XXXX and XXXX XXXX, one of them will need to pay out for this. However, more than likely, neither party paid. There is a case pending against XXXX for bodily injury due to accident and have advised attorney to add on the amount owed to BMW Financial Services as part of claim. This is a legal matter which I can not discuss, however, please advise BMW Financial Services I do not have amount owed as I have been helping my mother with her medical bills since accident, she was the driver of the vehicle at time of accident.
Advanced Collections is not licensed to collect in my state of Utah. This is reporting on my credit and they are trying to collect this debt from me in Utah ... They have not sent me valid validation of the debt.
We settled a dispute with a local hospital on XXXX XXXX, 2013. 
By reaching the settlement, we agreed to withdraw our legal complaints against the hospital, and the hospital agreed to accept an amount smaller than originally billed. 
It was stated in the settlement letter that by offering and accepting the settlement, both parties agree to release each other of any and all claims related to this account. 
The issue is, with this settlement, we have withdrawn our claims against the hospital, yet, they still have a negative statement on our credit report? Why? 
If the law allows them to continue to post this adverse statement on our credit report, even with this settlement, then at least, they can include a more clear statement in the Status section, such as, " Account settled on XXXX XXXX, 2013. Both parties agree to release each other from all claims relating to this account ''. 
This statement is more representative of the true status of this account, instead of the current description in our credit report, which carries the connotation that somehow, we still owe them money.
On XXXX/XXXX/13, without my authorization, Bank of America withdrew {$29000.00} from my personal account to charge off my company credit card ( XXXX - Bank of America ). My corporation had a separate bank account and a Business card account with Bank of America not linked with my personal account.
I think they key words here are Speedy Cash. I 've been reading that these guys fish people for information under the guise of advance loans. I have NEVER taken out a loan of any kind outside of my mortgage, period. They call daily from the same number. It is a recording from a woman named XXXX, calling about a " personal business matter ''. It 's exactly 36 seconds long and comes in twice a week or more. I 've been on and recently renewed the DNC list for my phone. I 've also blocked the number. I 've read on various sites on the internet that in responding they fish you for personal information including SSN. They have also mailed me twice from XXXX different Recovery services. XXXX XXXX and another, but I threw out the letter once I read about the scam. The letter asks to remit payment with no details other then the amount on the letter. 

This is either a phishing scam or I 'm the victim of identity theft. Given the scam notices, I 'm going with the former and ignoring.
I deposited a {$550.00} check on my phone on XX/XX/XXXX on the Wells Fargo app but it immediately got debited in my account and marked as a duplicate even though there wasn't a duplicate deposit. 

I call them and they said that they can't do anything on their end and that I have to go to a branch. I go to a branch on XX/XX/XXXX, tell the banker what was going on, and deposit the check. The next day it gets debited from my account again. 

I go back to the bank to ask what's going on and they open an accounting case and that I'd hear from them in at most 10 days. I get a letter in the mail on XX/XX/XXXX stating that " We have reviewed your case and a debit card adjustment of {$550.00} has been processed to your account on XX/XX/XXXX '' which is just restating the problem that I had in the first place. 

I've been calling them and visiting branches fo a month and I just get passed around to different people because they all say they can't do anything about it.
XXXX XXXX continues to send me correspondence that there is a balance owed and due when in fact we have settled the account and the account balance is zero. XXXX has not updated the credit reporting agencies and will not provide written confirmation that the account has been settled and is at a XXXX balance and has not provided that information to the credit reporting agencies. XXXX XXXX at XXXX will receive this complaint and that is the person who I have been trying to get this information from. XXXX is not going to provide an unbiased response on this report and so it should be transferred to another corporate representative to prepare the response.
I 've been listed as additional user on a citicard since 1992. My dad ( primary account holder ) added my brother and I when we were young ( XXXX ), for unexpected expenses while traveling, etc. I have n't seen or used the card in over 10 years, and assumed the card no longer existed. My brother still has his card, and accidentally used that card ( instead of his normal CC ) for an {$850.00} charge in XXXX. My dad was travelling all XXXX, and did n't get the bill, thus did n't realize anything was owed. He learned of the issue 60 days after the due date, and immediately made full payment. Despite XXXX year history of 100 % on time payments, citicards dinged all three of us with the credit agencies. In summary, my credit rating ( with no blemishes prior to this ) has now been dinged because of an fluke event related to a card that I did n't even know still existed ( I threw away my card over 10 years ago ). I was never contacted by citicards at any point about the issue. It is extremely unfair for them to ding my credit without giving me any notice that I had an outstanding liability. I 've never been late on any payments of any type. Despite my best efforts to solve directly with citicards, they refuse to even let me discuss the issue with anyone with capability to revise the credit issue as currently reported to the rating agencies.
On  X/XX/2017    I applied for  a Citi Double Cash cred it card and was approved. On  XX/XX/XXXX  I received a voicemail from someone claiming to be  the Citi fraud  department stating my card had been stolen and I needed to return their call ; however, when I Googled the number that called me it said it was a scam and not to call the number back. At this point I still had not received my card or been able to activate it. I finally received my card in the mail on  XX/XX/XXXX and attempted to activate it on  XX/XX/XXXX . When speaking with the  Citi represen tative she requested I give her my cell phone number so they could send me a text to confirm it was me ; however, she stated the text message would not go through and requested another number, I gave her my husbands cell phone number which also could not go through. At this point she requested I give her another credit card number (  16  digit card number ) and the balance of the card, I refused to provide this information because there are many other ways to confirm someone 's identity. The representative did not give me any other options and would not get a supervisor to assist me in opening my card. I have called at least 5 times in the pa st two days to t ry and speak to someone who will assist me in opening the card and immediately closing it. Every time I call they tell me that a supervisor will call me in  24 hours ; however, it has been over 24 hours since I called and I have not received anything. It is beyond frustrating to deal with Citi and all I want to do is close the card.
My husband passed away the first part of XXXX 2016 and I 've been trying to assume Mortgage but NationStar Mortgage is being very difficult to do this. My name is on deed but not Mortgage..We leave in a " Joint Tenancy state with the right of survivalship '' but lender does n't seem to care. I have provided lender with all they have ask for and still I 'm waiting. Ii contacted them back in XXXX of 2016 and also sent them the certified death certificate but nothing seems to get them moving. They say they will call me back, they do n't. 
They say they r sending paperwork for me to sign, they do n't, I 'm at a loss as what to do next.. I 've want to refinance the loan once it 's in my name, and now rates have gone up! 
Please help
Between XXXX and XXXX I had my identity comprimised and someone charged my credit cards from the google play store ... over 50 times between this time period. I have for 2 YEARS CALLING TALKING TO SUPERVISOR AFTER SUPERVISOR AFTER SUPERVISOR TRYING TO GET MY REFUND. I 've been hung up on, I 've been left hanging for months ... I have had no resolution. This has caused me financial burden and stress ... and I 'm tired .... so tired of dealing with Google ... I need your help and would like to be compensated for all the pain and suffering ... I do have full documentation of this via emails ...
I am contacting your agency because I need your help in disputing some charges done on my XXXX XXXX XXXX XXXX XXXX credit card by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid XXXX company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a charge of {$6100.00} done on my card by XXXX XXXX XXXX XXXX charged on XXXX/XXXX/2015. They contacted me by an unsolicited telemarketing phone call.The XXXX XXXX XXXX contacted me by an unsolicited phone call according to them they got referred from XXXX XXXX another company that I was working with at the time. They said their work would implement the work that XXXX XXXX was doing for me. Supposedly leads and visitors to website. I never got any results of their work. It was really hard to contact someone .I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with and get my refund but they ignored my requests.
To whom it may concern : According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available This credit reporting company has intentionally voilated this rule and this is causing errors to be reflected on my credit report dealing with a bankruptcy -- Becasue of the error -- The bankruptcy should be removed from my report immediatley. i have been trying to work with them over a year
I HAVE COMPLAINED TO ALL THREE CREDIT BUREAUS ABOUT FEDERAL LAWS THEY ARE VIOLATING ON REPORTING MY CREDIT FILES, BUT IT COULD TAKE UP TO 90 DAYS, I UNDERSTAND THEY HAVE 30 DAYS. THEY ARE VIOLATING THE XXXX VETERANS PROTECTION ACT OF 2010 TITLE 38, SECTION 5301. THEY ARE VIOLATING FAIR CREDIT REPORTING ACT. THEY ARE VIOLATING CONSTITUTIONAL LAW AMENDMENT XIV, SEC 4.  THEY ARE VIOLATING TRUTH IN LENDING LAWS, THEY ARE VIOLATING FEDERAL CONSUMERS PRACTICE ACT. THEY ARE VIOLATING FEDERAL EXEMPTION LAWS. XXXX LAW DICTIONARY. I WANT MY CREDIT FILE RESTORED WITHIN 30 DAYS, NOT THEIR 90 DAYS THAT THEY SAY IT WILL TAKE THEM. I EXPECT THEM TO FOLLOW FEDERAL LAW GUIDELINES, NOT THEIRS. SIGNED XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX, TX XXXX THANKS.
I received several calls from a company called Unified Global on a debt I believe to be payroll advance but I am unsure. A XXXX XXXX said this was my last chance to settle debt or he would tale me to county court. He was talking in intimidating manor and several vailed subtle threats about garnishing wages etc however i am filing for XXXX and have no job. He left message on my phone.
I sent a wire transfer from XXXX XXXX to Coinbase on XX/XX/XXXX through XXXX XXXX XXXX. 

Amount : {$5000.00} USD I have talked to both my bank ( XXXX XXXX ) and XXXX XXXX XXXX ( Coinbases bank ) and they have both confirmed the transfer as complete at XXXX on XXXX/XXXX/XXXX. These confirmation calls and visits occured on XX/XX/XXXX. 

IMAD # : XXXX I put in a service request for this issue on XX/XX/XXXX through Coinbase.com. 

I have called their support line and responded to canned emails on multiple occasions and they just keep replying that they are " raising the priority of my case '' without actually providing any solution or ETA for when my fund will be available. 

It is currently XX/XX/XXXX, nearly a month after my wire transfer has been cleared, and Coinbase has still not posted my funds to my account or returned my money after asking explicitly multiple times.
On XX/XX/XXXX, I disputed an alleged medical debt with XXXX XXXX XXXX XXXX , XXXX. I was never notified about this debt and they reported this to credit bureaus without properly validating the debt. On XX/XX/XXXX, the company responded saying they would remove the debt from all credit reports due to it's highly disputed nature. As of XX/XX/XXXX, this debt has not been remove from any of the credit reporting agencies and this is still damaging my credit worthiness. I am moving forward with submitting a complaint to my state 's attorney general office.
I have contacted all 3 Credit Bureau 's regarding the reporting of inaccurate and unverified information that they are continuing to report on my reports.

I have been disputing information on my credit reports regarding a public record " Bankruptcy '' and collection accounts that remain unverified through the main sources such as the original creditor and with the clerk of courts. I've contacted the 3 Credit Bureaus ( XXXX, EXPERIAN and XXXX ) about a  bankruptcy appearing on my credit report from XX/XX/XXXX. 

I also asked these agencies how they verified this account as accurate, and they stated that they verified this account as accurate through XXXX, which by way I have a " SECURITY FREEZE '' and is a affiliate credit reporting agency. Under the FCRA laws, all reporting agencies MUST receive their information directly from the creditor/court of the account if not then it should be removed from my credit report. 

As you can see in the attached documents provided from the United States Bankruptcy Court, the Clerk of Court states that " The Court does not send this information directly to these entities. 

With the collection accounts listed below : XXXX XXXXXXXX XXXX XXXX- I  NEVER OPENED AN ACCOUNT WITH EITHER THE ORIGINAL CREDITOR OR COLLECTION AGENCY WE ENERGIES- UNVERIFIED UTILITY ACCOUNT XXXX XXXX- I NEVER OPEN AN ACCOUNT WITH THIS COLLECTION AGENCY DURING any time of XX/XX/XXXX These accounts have been disputed since XX/XX/XXXX-XX/XX/XXXX & still no documents has been submitted to me verifying the information stored in my reports are indeed accurate. 

All of the accounts mentioned have not been properly verified with a contract bearing my signature, so I demand that they are deleted as per : FCRA LAW Section 623, FCRA Part ( A ) ( 5 ) ( B ) ( ii ) and FCRA Section 605 ( c ) ''If the credit reporting agencies are not verifying this account information with the original creditor, they are in violation of FCRA laws, and this bankruptcy should be removed from all 3 credit bureau agency records and off my credit reports.
Transunion, XXXX and XXXX has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX. 

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve. 

Waiting for your reply. 

XXXX XXXX XXXX