WillisBack/dataset-financial-user-claim huggingface dataset:
Portfolio Recovery Associates LLC has been contacted multiple times by me ( see the attached collection account validation letters below ) in order to verify my debt that they are claiming I owe. Portfolio Recovery Associates LLC is in violation of the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I have asked XXXX XXXX multiple times to provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : They have simply responded to me with a bill of the charges they claim that I owe ( which a copy of their responses is attached below ). Portfolio Recovery Associates LLC refusing to provide me with the required debt validation outlined above is in violation of my rights under the Fair Debt Collection Practices Act. Due to the fact that Portfolio Recovery Associates LLC continues to report this account on my credit files without providing me with the proper verification, I'm now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from Portfolio Recovery Associates LLC by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. I've also made Portfolio Recovery Associates LLC 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. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act ; therefore, if Portfolio Recovery Associated LLC does not immediately remove this account from my credit report or provide me with all of the verifiable debt validation requirements outlined above, they are subject to another {$1000.00} fine, plus punitive damages.
Contacted United Revenue Corp regarding {$290.00} debt that they state is owed for XXXX XXXX XXXX XXXXXXXX for XX/XX/2013. XXXX XXXX XXXX XXXXXXXX state that they did not have any accounts in 2013. XXXX XXXX XXXX is unable to send proper documentation regarding their stated debt. There are no signed contracts. United Revenue Corp is  incorrectly reporting to my credit report.
I paid off an account ( loan ) and once the account was reported to  XXXX  it was reported closed but 30 days late. the account was never late, I co ntacted Opportunity Loans ( Op p Loans ) and was told that there was a glitch in the system and that this would be corrected in a few days. I waited from a call from someone by the name of  XXXX  who I was told would call me back but I never received a call. I contacted the credit bureau and disputed this, the dispute came back as information remains the same due to the number that was provided on the credit report is not the number should be used for Payments. the number provided to the credit bureau is just the corporate main number. so I have included the final email stating the account is paid in full with the correct contact number located in the signature. The information is still being reported as 30 days late which is not correct.
This is a complaint to Citibank regarding my payment on XX/XX/XXXX, paying off my balance in full and receiving confirmation in that regard.
On XX/XX/XXXX, I called Citibank regarding payments I had made previous to XX/XX/XXXX that Citibank had reversed. I have still yet to see the ACH reversal codes in this regard as I have requested via fax. On that particular phone call, I spoke with a representative in the payments investigatory department or equivalent named " XXXX '' about this issue as the previous representative was unable to assist me.
XXXX agreed to submit my payment over the phone from my financial institution in the form of a check draft or direct ACH payment. This was performed at approximately XXXX XXXX You can pull the recorded call to review that conversation.
On XX/XX/XXXX, four days later, I spoke online via secure chat with a representative " XXXX '' inquiring about why my balance was at XXXX, as well as the payment due section ( {$0.00} due ), but my available credit was not yet showing up at {$1000.00} where it should. I have copied this conversation to a Word document and will attach it to the appropriate section of this submission.
In this chat, I was clearly informed my payment to Citibank in the amount of {$990.00} has been cleared and received by Citibank, paying off the account balance in full. I specifically asked if Citibank has been paid this said amount and was told ( see the chat transcript ) " Yes, XXXX '', that they have been paid this amount.
This behavior is unacceptable. If I am told my payment has been received, Citibank has been paid, and effectively my account is paid in full, that is what I expect just as any other Citibank account holder would expect. I am demanding an explanation as to why I was lied to in this regard, and when my account balance will show as paid as I was previously informed.
Equifax is refusing to remove the CH XXXX bankruptcy from my credit file. I filed back in XXXX XXXX so the public record should have been removed on XXXX XXXX. I called them last week and I was told that they would not remove it and would stay on my file until XXXX XXXX.
I cosigned a Sallie Mae loan for my son because they would not approve him without XXXX. So according to Sallie Mae XXXX now XXXX ) after a co-signer has paid on a loan for 2 years they can be removed from the loan. I have been paying on that loan ( under a special program so that I can actually afford to make the payments ) for over 2 years and when I contacted them about removing my name, now they say well, we have to make sure the primary will be financially able to make the payments. Well it 's not my problem if they ca n't afford to make the payments, I have done my just do by struggling to make the payments for 2 yrs just to be told I ca n't be removed if the primary can not make the payments. That is very very unfair. I have a family, a daughter in college and it is a real struggle to continue to make these payments so my check wo n't be garnished. I am writing because I am hoping I can get some kind of help having my name removed from this loan.
After reviewing my credit reports, there is a closed/charged-off account on my credit report with XXXX XXXX  that has a debt of {$140.00}. I contacted XXXX XXXX on XX/XX/XXXX with the information provided on the report and they have no record of me having an account with them. They used both my social security number and the account listed on the credit reports, but was were able to located me as a customer or the account. I then submitted a dispute with XXXX onXX/XX/XXXX for  the account, stating that the account does not belong to me. The account has not been removed my credit report.
In XX/XX/2015 I received a call from XXXX XXXX. They called telling me how they could help my online business and persuaded me to buy their very expensive Marketing package taking complete advantage of me. This included Social Media Gateway Marketing leading traffic to my website, Mobile website, and Video marketing for {$7300.00} I paid them with my USAA XXXX card ending # XXXX I never received any of these services as stated in my contract or described to me when they contacted me on the phone, I have only received some basic account setup and a couple of half hour training sessions that lead nowhere and definetly not worth {$7300.00} It was very minimal stuff not even close to what they described to me when they got me to give in to their demands and pay them the outrageous amount. 

They deceived me and gave me their verbal promise this marketing package was needed to build a successful online business. 

This is unacceptable, please dont let these scam artist get away with this and help me get my money back. 

Thank you.
I have recently been informed that there is negative information reported by XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing Legally paid in full for less than the full balance, closed. I am unaware of Legally paid in full for less than the full balance, closed with this company. I contacted this company via certified mail asking for validation of the debt which was not provided to me. Additionally, please provide the name, address and phone number of each person who personally verified this account, so that I can inquire about how they " verified '' the alleged account, without providing any proof, bearing my signature. An employee looking at a computer screen, seeing my name listed in their database is NOT verification or validation of any debt. Please validate this information with XXXX In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
I have filed 2 police reports for identity theft and they have proof and security freezes on my credit. I sent letters advising there are unauthorized and fraudulent credit inquiries on my credit and they refuse to remove these. I can't access my credit when I request credit but EVERYONE else can. I put that any inquiry needs to contact me at my number on file yet they did not and gained access to my credit. They sent me notification they received my disputes but refuse to remove them. And its negatively affecting my credit score and credit report. I'm requesting all inquiries be removed from. 2017 to now unless I have an open account with a company listed on my credit report
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It is now XX/XX/XXXX. I sent the XXXX XXXX and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
I noticed  Nationwide Acceptance Corporation app ear on my credit report today  XX/XX/2017   . I have no outstanding medical bills with my insurance carrier. I have attempted to contact this company via certified mail and via phone at the numbers listed on their website contact information. ALL TELEPHONE NUMBER ARE INVALID. Also noting there are two variations of an address as well from my credit report versus the company website. It is my belief this is a fraudulent company attempting to obtain money from me and falsely reporting information on my credit report.     Telephone Numbers Listed NOT IN SERVICE :  XXXX   XXXX  WEBSITE :  http : //www.nationwideacceptance.com/contactus.aspx
On XX/XX/XXXX, I submitted a written request to have incorrect items on my credit report be investigated. By law, I am supposed to have a response within 30 days. Obviously, more than 30 days have passed, but I have yet to receive my credit investigation results.
On XX/XX/XXXX at XXXX XXXX I sold XXXX Litecoin valued at {$230.00}. The money supposed to be transferred into my XX/XX/XXXXk account and nothing has gone through yet.
I requested a Bill Payment from the Wells Fargo Online Bill Pay service to pay a property tax payment with the county. A payment of {$5200.00} was due on XX/XX/XXXX. I scheduled a payment on XX/XX/XXXX for that amount. The county treasurer requires the payment be " postmarked '' by the due date. 

The check was received by the county on XX/XX/XXXX without any mark on the envelope to indicate when it was ordered, issued or mailed ( due to the nature of the bulk mail. Because of this I was charged {$520.00} as a " late fee '' despite having ordered my payment and had it in the post for delivery on XX/XX/XXXX. The county was unwilling to waive this fee due to `` county law '' requiring a  physical postmark. 

When I complained to Wells Fargo that there was no indication, notification or warning about the lack of postmarks on bills mailed through their " Bill Pay '' service, they refused to compensate me in any way or recognize the lack of adequate disclosure in their service. When I asked where this information was conferred to the customer, they referenced their Online Access agreement, which was no less than 7 clicks away ( outside of the BillPay application itself, listed under " Customer Support '', not under the Privacy/Security/Legal link on the bottom of the page ). Deep within another subsection and heading, finally in the bowels of hundreds of pages of fine print, there is an obscure reference to the reliability of postmarks amongst XXXX clauses to help XXXX the consumer over in multiple different exception scenarios. 

No normal human would ever find this information in the normal flow of paying a bill, let alone in the process of opening an account. No notification was given, no guaranteed delivery date offered, and after multiple conversations with the bank and the county office, it became evident that the county office was receiving payments in a single envelope that had been issued across multiple days of customer requests in the Bill Pay system ( the result of a bulk mail vendor relationship the bank uses to cut costs ). 

This is completely unacceptable. Human readable, discoverable and relevant information needs to be provided to a consumer when they are accessing services designed to " pay bills '' the same as when they are borrowing money. In reading through the agreement it is evident that the fine print is intended to completely absolve the bank of any liability for actually paying bills, and rather to allow for every possible exception to the expectation that they actually reliably deliver the service they advertise. 

I want my {$520.00} back.
I made a deposit to my checking account to cover some online purchases. I moved these funds over prior to making the purchases. When I checked my account this morning the bank levied a XXXX overdraft charge even though I was not in the negative at any time. I have a screenshot of my activity proving this. I contacted the bank and they admit that while I was not in the negative, because I made the wire transfer and the purchases after their cutoff date, they reserved the right to levy what they call a " virtual overdraft fee ''. I 've been banking with FNB since 2011 and have never had any problems until their merger with Metro Bank this past year where all of a sudden they started to do all of the shady Metro Bank traditions that they and XXXX XXXX have been well known for.
I have tried on-line since XX/XX/18 to see my Equifax credit report. As of today I am still not able to gain access. The claim of Equifax is, order in progress. Plus they state since XX/XX/18, Our records indicate that you already have an order in progress for this product. We will email you when your order is available for viewing in the Member center. If you have any questions, please call us at XXXX ( XXXX ) or email us at Equifax Customer  Care. I tried the link to e-mail Equifax and as expected it didnt work either. 

Please accept this e-mail as my official complaint that Equifax is harming me by their continued XXXX!!! 

Thank you XXXX XXXX
TRS Recovery Services Inc. notified my company of debt that does not exist : letter dated XXXX/XXXX/2016, reference number XXXX, Creditor listed : XXXX XXXX # XXXX, debt listed : {$60.00}. I contacted the creditor TRS indicated on their notice, and this creditor stated that they do not use this collection agency for any debt recovery. Furthermore, there is no outstanding debt with said creditor as our account with their stores is XXXX. Lastly, the store location that TRS was trying to collect from is located in XXXX, NE - over XXXX miles away from us. We believe this is not an error, and that this recovery service is engaging in fraudulent activity. This is supported by the fact that the creditor they referenced is NOT a customer of theirs, and therefore would not be using their services in the first place. It is further supported by the fact that we do not have a charge account with this retailer and could not even accrue any debt on our account.
My undergraduate debt is {$170000.00} and I am making monthly payments of {$1500.00} a month. I can not afford to live on my own ( living with parents at the age of XXXX ), I do n't know that this will ever be possible. {$60000.00} of that money at a 12 % interest, making it almost impossible to try decrease the principal. I make $ XXXX /year. I graduated from Univ. XXXX in XX/XX/XXXX. I have tried to refinance my loans at lower interest rates but I keep on being told that I have too much debt to refinance - I have made all of my payments on time - I did go into forbearance for 9 months in XX/XX/XXXX. Any help on what steps I should take next would be greatly appreciated.
In the beginning I agreed to make payments of {$50.00} at the of each month starting in XXXX XXXX. I was planning on paying off the total, but could n't and I agreed to make a payment of {$520.00} on XXXX but I had to cancel. So I setup recurring payments of {$150.00} on the XXXX and XXXX or a few days after to ensure the funds are there of each month starting XXXX XXXX. The first payment of {$150.00} came out of XXXX absolutely fine. The next payment of {$150.00} came out of XXXX which was not the agreed date, but ok because I am trying to pay off my debt. So the next payment of {$150.00} came out on XXXX, again not the agreed date. So on XXXX I received notification from NCB that they would be taking out the next payment of {$150.00} on XXXX/XXXX/XXXX, 4 days before the agreed date. At that point I cancelled the recurring payments with them. At this point I feel I should not be liable for this debt because they took funds out of my account before the agreed due dates. I want the debt to be removed from my credit report and I want all the funds that were taken out before the agreed due date returned back to me.
I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$2900.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.
Received phone call at my place of employment from collector, I requested that they no longer call me at my place of employment and they have continued to do so. They have also threatened legal action regarding my debt and initially refused to provide verification of the debt by mail. They have called repeatedly, sometimes as many as two or three times in a day.
Ocwen has approved us for trial payment plan for a HAMP loan modification. Payments are due on XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/2016. I read on the US Department ofTreasury website that the Obama Administration extended the application deadline for MHA programs to XXXX XXXX, 2016. I was told by my relationship manager, XXXX XXXX, that it may make take several months after the third payment is made before we are approved for a permanent loan modification.
Midland Funding hired the XXXX XXXX XXXX XXXX XXXX to collect on a debt owed to XXXX. They had my bank accounts garnished for {$2500.00} in XXXX based on a ruling from XXXX XXXX XXXX of which I was not notified. I did not receive a court summons before the garnishment so I was not given the opportunity to clear this up before it went to court. The court clerks claim that I was " served '' on XXXX XXXX at an address that I had moved away from in XXXX. After they took the money, the court clerks advised that the Collections company could release the funds if I agreed to a payment plan. I called the collections company multiple times requesting for that release and payment plan but they kept telling me that they could n't release the funds at all. I was garnished without notification and unfairly. The only documentation I received came from my bank after the assets were garnished from my accounts.
I recently learned that without my agreement, I was added as an authorized user on an account and that account is being reported to credit agencies as part of my overall credit report and debt obligation. The account is a Chase Amazon Visa.
Problem with XXXX XXXX XXXX XXXX. I do n't have an account with XXXX XXXX XXXX my credit score was above XXXX and today it shows below XXXX. They said I had a account with them so I paid it off years ago and closed it. Then they reported a mulitple deliquent activities and lowered my score after I closed it. I have never had an account with them. Why now would they report delinquent activity after it has been closed. I was in escrow so I had to do something about it. It was never my account. I reported it through them and have not seen any results. Now Im being punished for someone else. Once the account was closed they reported it as being delinquent muliple times and hurt my score. I have always been in good standing with all my credit!!! PLEASE HELP ME GET MY CREDIT BACK!!
I took out student loans over the period of XXXX - XXXX going just XXXX in debt. In an attempt to get on my feet after graduation, I deferred my loans for a period of time. I made intermittent payments and somewhere along the way lost track. I was contacted by debt consolidation company and they said i could enter a repayment program. I did and when i finished that, put back in contact with XXXX XXXX navient and learned that my dept was over 80,000 now. I made attempts to reconcile as fast as possible but experienced delays. I asked for extensions of payments and they told me that the only was through forbearance, which did not always agree to. They fooled me and I believe manipulated my conversations. I did not agree to their terms and now my payments have gone from {$540.00} to more than 800.00. This is not fair and they will not speak to me to make exceptions. the payments keep going up. I get harassing phone calls and this is not comfortable.My balance is now {$83000.00} and there is nothing i know to do but seek legal assistance.
An incorrect previous address is appearing on my credit report. I fear identity theft as a result of that.