WillisBack/dataset-financial-user-claim huggingface dataset:
Received a prepaid debit card as gift and used it in the past. Was supposed to have a balance of {$3.00}. Says to use  XXXX  to check balance. When using web site does not access account info. There is no phone number on the card. Web site shows  XXXX   XXXX   XXXX   XXXX  as number. After calling agent said card is 'purged '. Asked company name, responded with  XXXX   XXXX  '. Asked full name of company, would not answer, even simple questions as whether it wa s Inc, cor respondence address for legal dept, etc.   Back of card has  " U.S. Bank National Association '' printed.
Equifax has been non-compliant with removing the unverified account XXXXXXXX XXXX XXXX XXXX XXXX   which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
I attended The XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. During the one and a half years I attended I was told to take out XXXX Private student loans to pay for school, books, and cost of living which left me with XXXX in debt. Being on my own I felt I was taken advantage of and pushed into applying for such a loan amount. Now this school has closed/ merged with XXXX XXXX school, which has/ is closing as well? Having felt like I was taken advantage of for years, now to hear the schools closed, Are there any other complaints regarding this school or any loan forgiveness when a for-profit school closes?
In XX/XX/XXXX I purchased a vehicle from XXXX XXXX, in XXXX Florida. The vehicle was financed through Citi Financial. XXXX years later in XX/XX/XXXX I was no longer able to make the monthly payments for this vehicle. As a result, I had to have the bank repossess the vehicle. A XXXX months went by and I started to receive calls from Citi Financial regarding this vehicle 's remaining balance, and how it was going to be paid. I told the representative that I was not working at the time but as soon as I got a job I would start making payments. A XXXX days went by, and I started to get harassing phone calls from Citi Financial. I was told by Citi Financial that they were going to garnish my wages, they were going to send the police to my work, and that I was also going to be arrested. I contacted a lawyer, and we took Citi Financial to court. I won my case, and Citi Financial was never to contact me again, and they were also not to report to the credit bureau. Still to this day, it is showing on my credit report the car loan that I had, which was sold to a collection agency. As a result of this being on my credit, it is showing a negative mark against me.
I have a joint checking account with Chase bank. I noticed there was a quick pay of {$590.00} that was deducted from my account that I did not recognize.. My son who is on the account did not recognize it either. We contacted chase and was told the account may have been compromised and to close it and change all passwords with new account. They said they would investigate and credit account. They did credit account but a few weeks later we noticed the account had been debited again for the same amount. Upon calling Chase we were told that they found no fraud and the money was sent to someone in the same geographical areaXXXX I demanded more information on this person I did not know and was given an email address and last 4 digits of an account number that neither my son or myself recognized. Now we are told that there is nothing further they can do. CASE CLOSED!!!
My debt burden on my student loans is high. I contacted Navient this morning to ask about lower payments on private loans for which I have a co-signer. XXXX XXXX XXXX in collections explained that he would have to pull the credit report of both me and the co-signer in order to see if lower payments were possible. I explained that I wanted to address this on my own as I did not want to burden the co-signer with having their credit report pulled and them having to produce financial statements, etc. XXXX XXXX said then I have to pay the loan as is and reminded me that I am 10 days past due and demanded a time certain when the bill would be paid. I said to XXXX XXXX that I would pay when I could. He then said that since I am " refusing to pay '', collection efforts would continue and the co-signer would continue to be called. I said, XXXX XXXX I have not indicated a refusal to pay. I have said I will take care of it when I can. XXXX XXXX got aggressive and belligerent and threatened to terminate the call. I told him I am now recording the conversation. He said that I did not have permission. I replied, then you do not have permission to record me either. He continued his aggressive language and threatened me with more collection efforts. 
I am baffled that : 1 ) My loan is 10 days past due and I am being treated like a criminal by Navient 2 ) I am willing to pay, ask for a reduced payment amount and Navient is making it difficult. 
3 ) XXXX would take on such a aggressive demeanor when I called to find out about payment options for a bill that has not even gone 30 days past due. 

The interaction with Navient is XXXX and need not be.
Cornerstone required me to pay my XXXX mortgage payment twice. In a Notice of Servicing Transfer dated XX/XX/XXXX, Cornerstone informed me that the servicing of my loan was being transferred to XXXX XXXX  effective XX/XX/2018 and all payments beginning with the XX/XX/XXXX payment should go to XXXX. I sent my payment to XXXX XX/XX/XXXX. On XX/XX/XXXX, I received mailed notice from Cornerstone that the notice of transfer was " inadvertently mailed '' to me, that I should disregard it and send all payments to Cornerstone. That same day I told a Cornerstone representative via phone that I had paid XXXX. She told me Cornerstone had decided to retract my loan, XXXX would send my payment to Cornerstone and I needed to do nothing. This was incorrect. Cornerstone sent me a delinquency notice on XX/XX/XXXX. When I returned a call from Cornerstone 's collections department on XX/XX/XXXX, the agent removed the late payment fee but advised me to pay Cornerstone a duplicate XXXX payment by the end of the month to prevent damage to my credit. I made a second XXXX payment to Cornerstone. XXXX can't find my first payment because the new loan number provided by Cornerstone was never activated. Cornerstone has done nothing to get this money back from XXXX.
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements
When creditors pull my credit from Equifax ( or XXXX, but I'm making a separate complaint for XXXX ) they mark one of the reasons for denial as a " serious delinquency. '' There are NO delinquencies on my account ( charge-offs, bankruptcy, missed payments, etc. ) and this has been confirmed by : 1 ) me pulling my credit report directly from equifax 2 ) calling Equifax customer service multiple times ( most recent was XX/XX/2019 at XXXX PST ) Both myself and Equifax customer service looked at our most recent reports and have found NOTHING wrong with my credit profile. Equifax customer services tells me that my only way to fix this is to call the creditors ( XXXX XXXX and XXXX XXXX XXXX  ) and have them manually look at my credit report. I shouldn't have to do this. Credit reporting agencies are tasked with accurate storage, encryption, and relying data to the banks and somehow it's getting reported that I have a serious delinquency when that is not true. 

I want this fixed. I shouldn't have to call every creditor that pulls my Equifax report and explain to them that there's an error.
I received a letter from PLUSFOUR, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX, in reference to a medical bill that at the time my mother signed the documents as financial responsible since I was in high school and a minor. 

Once I received the letter I called PLUSFOUR and gave them verbal permission to speak to my mother in reference to this account. 

My mother call XXXX XXXX, Debt Collector XXXX ext XXXX and set up payment arrangements on the account. I had just entered my first year of college and was not working so she was going to make the payments. This call took place on XXXX XXXX, with payments to begin in XX/XX/XXXX, my mother continued to ask that as long as we have an arrangement that this would not be reported to the credit bureau and was told YES by XXXX XXXX. My mother made sure that she stayed in contact with them if the payment was going to be late. The arrangement was for {$25.00} a month. A Payment was made for XX/XX/XXXX and XX/XX/XXXX {$25.00} each month for a total of {$50.00}. My mother call in XX/XX/XXXX to make the XX/XX/XXXX payment on XXXX/XXXX/XXXX at XXXX pm and she was ready to make the XX/XX/XXXX payment she always verified that this is not effecting my credit. XXXX advised her that it was reported to the credit bureau on XXXX XXXX, XXXX. We questioned why this has happened when we had a verbal agreement to make monthly payments on the account in the amount of {$25.00}. At that time my mother asked to speak to a supervisor ( XXXX XXXX ) that stated there was nothing that they could do once the account was paid in full then they could revisit the fact that it was reported to the credit bureau. I stated to her that this was not the agreement that was made and that they have not held their end of the agreement. I asked to speak to the Manager/owner XXXX XXXX so that I could explain that the company has an agreement with my Mother and did not hold up their end of the agreement. I was told that he was not available. My mother stated that she would like for a manager to call her so that we could get his figured out and we would continue to make the agreed payments once a manager has called her. We filed a complaint with the XXXX and received a reply that they are not responding to our complaint. As of today XXXX/XXXX/XXXX, we have not received a call back from the company to resolve this and continue to pay. I am a college student and because they did not keep their end of the agreement up, this is reported on my credit report which is preventing me from getting a student loan to continue my education. This is very disturbing that collection companies can make arrangements with you and then go against their work and you had been paying them. It is unethical that they can affect your life and you have agreed to settle or clear the debt and the only answer that they have is pay the debt and then we can talk. 

I am an unemployed college student whose parents agreed to help and resolve this and the collections agency was unethical.
First, none of the provided choices for the second question matched my issue, so I chose " Debt was paid '' so I could go to the third question. My issue is with Revenue Recovery Corp collection agency. On XXXX I went to the XXXX, I was seen XXXX and the problem was fixed. My military insurance paid XXXX XXXX all but {$35.00} dollars on my account. Revenue Recovery Corp receives the debt and reports the debt on my credit report broken down into several accounts : {$2.00}, {$1.00}, {$1.00}, {$2.00}, {$2.00}, {$1.00}, {$21.00}. Each XXXX was turned in as an account. This was also done XX/XX/XXXX, my bill was broken down into an amount per x-ray and turned in as separate account, XXXX separate accounts, if my memory serves me right! This was XXXX account broken down and turned in on my credit report as several separate accounts!!!! This has effected my credit score negatively as well as my Life! It appears to have been done purposely to effect my credit report as to force me to pay. This was a single account and it should have been turned into my credit report as such. If it is not illegal, it should be!
I called several different times to start a deferment and was approved for information to be corrected by navient about late payments. But when I look on my credit report it says different causing my score to change. It looks like lve been missing payments. When I was told I had a certain amount of time to pay or submit proper documents about my hardship.
Between XX/XX/XXXX and XX/XX/XXXX Sallie Mae, now Navient, outsourced customer service calls to XXXX. During that time period, those customer service reps repeatedly informed me my loans were eligible for the Public Service Loan Forgiveness Program when they were not. I missed out on 3 and a half years of  participation in the program.
This debt agency keep calling my telephone number 24/7 day and night harassing me and trying to threating me about this debt. They went to far by calling my place of employment.
Re : XXXX XXXX - {$8300.00} Again, I am requesting that this entry on my CR be removed immediately. 
Experian has refused to show any physical signed documentation that this belongs to me. 
I am requesting that you show, this being valid and belonging to me with signed paperwork. 
If you can not show this, this entry will be removed from any report with my name and social security number.
I have had a problem with customer service at XXXX Fed Loan XXXX every single year since I moved my federal loans to them in XXXX. This in turn has cost me thousands in interest. Every time they make a mistake, " lose '' or arbitrarily double or triple my payments, I spend an hour on the phone with customer service and then they place my account in a forbearance for a few months in order to get their internal errors fixed. Additionally, I should be XXXX years into PSLF, but due to their errors many of my payments do n't count. 

My most recent issue is as follows. I applied to switch from the XXXX plan to the PAYE or REPAYE in XXXX. In XXXX I received a message from XXXXFedloan that they received my application. And I also received notification that my payment went from {$710.00} to {$2400.00} for XXXX. 

I called customer service on XXXX/XXXX/XXXX and spoke with XXXX. She stated they need a 1x payment in order to switch to REPAYE, and I informed her I could n't pay the full amount. She told me not to worry about it, and that she would put a " reduced payment forbearance '' on my account allowing me to pay a reduced payment of {$800.00}. She stated this should be taken care of before my account was due on XXXX XXXX. 

However, she only placed the " forbearance '' on 2 of the 6 loans I have ( and the smallest 2 at that ). My account is now delinquent for {$2400.00}, and I am missing another month of PSLF eligibility and will likely miss XXXX as well since they have to fix this error, and than accept a 1x/payment before switching my account. 

This company is terrible, and it is unfortunate that I have no other options since I am seeking PSLF working at a non-profit children 's hospital.
This is regarding Key Bank who I have mortgage with since XX/XX/XXXX, and I have made all the payments on time since XX/XX/XXXX and not even a single payment was missing or delayed. 
I filed bankruptcy in XX/XX/XXXX for misc credit cards which was discharged and my mortgage account was not part of my bankruptcy. But as I checked my credit reports from all three credit reporting agencies they are showing my mortgage account was also included in bankruptcy. Which is completely false and erroneous information and my mortgage payments are not reported at all which is being made on time for past 13 years. I called them numerous times and they are not properly handling my case and giving me run around. I am completely exhausted at this point and seeking your help.
I have now tried THREE TIMES via direct dispute with XXXX, Equifax, and oh boy, XXXX! to have the account status of a PAID COLLECTION updated CORRECTLY. For SOME REASON, when I paid it off, it was updated as " debt included in or discharged through bankruptcy chapter XXXX '' " debt included in personal recievorship. '' I HAVE NEVER EVEN FILED FOR BANKRUPTCY LET ALONE COMPLETED ONE! I've called the creditor to have this removed, they swear they never reported it! I've disputed it THREE TIMES with the credit bureau who EVERY TIME swears, the creditor confirmed the information is correct! NOW I DON'T KNOW OR EVEN CARE WHERE THE DISCONNECT IS, I WANT IT FIXED! PAID COLLECTION! HOW HARD IS IT TO CHANGE THE STATUS TO " PAID COLLECTION?! '' IF YOU CAN'T DO THAT, REMOVE IT FROM MY CREDIT REPORT ALL TOGETHER! 

XXXX XXXX is the creditor. I have NEVER had SO many problems with something SO XXXX simple!
COPY OF AGREEMENT PROVIDED BY NCC BUSINESS SERVICES , INC ON XX/XX/XXXX ON BEHALF OF XXXX XXXX XXXX IS AN ALTERED CONTRACT WITH FALSE SIGNATURES OF MY HUSBAND AND MINES ON BACK PAGE OF AGREEMENT. IT IS CONSIDERED AN UTTERED FALSE DOCUMENT IN THE ATTEMPT TO PASS IT OFF AS GENUINE. FORGED CONTRACT WITH INTENT TO DEFRAUD AND DEPRIVE ME OF MY MONEY. SIGNATURES FROM 2ND AGREEMENT ( HOUSE AND POOL RULES FOR RESIDENTIAL RENTAL AGREEMENT ) AND INITIALS WERE USED TO ALTER 1ST AGREEMENT ( APARTMENT RENTAL AGREEMENT ) .I HAVE PROOF OF ALL ORIGINAL AGREEMENT COPIES AND RECEIPTS AS EVIDENCE. LAST PAYMENT FOR RENT WAS ON XX/XX/XXXX FOR XX/XX/XXXX TO XX/XX/XXXX. LEFT PREMISES BEFORE END OF XXXX, XXXX HENCE, XXXX RENT IS NOT APPLICABLE SINCE I WAS NOT AT PREMISES. DEPOSIT KEPT BY XXXX XXXX XXXX SHOULD HAVE BEEN USED TO OFFSET ANY EXPENSES.
This is a debt that is over 6 years and XXXX XXXX XXXX is attempting to collect. This debt is owed by an authorized user and not myself. They have been calling numerous of times on my cell work phone number. I 'm a XXXX and calls like this interrupt my type of work and also put me in danger when I 'm receiving unnecessary calls like this.
To whom it may concern, It has come to my attention after carefully reviewing my credit report directly from all 3 national reporting bureau 's ( XXXX, XXXX, XXXX ) that a debt collection agency known as 'Portfolio Recovery Associates LLC ( PRA ) ' is allegedly reporting a collection account against me in the amount of {$570.00} in which i have no knowledge of, they have also committed and continue to commit the following violations according to The Consumer Financial Protection Bureau & The Fair Debt Collection Practices Act : 1- Failure to submit a verification of the alleged debt of the original account with a detailed explanation of how such amount was calculated, which is a clear and direct violation of CFPB Consent Order Paragraph 116. 

2- Falsely reporting payment terms as 'Revolving - 1 Month ' on my XXXX   report in which i have never had any contract with Portfolio Recovery Associates LLC to pay nor have i agreed in any way to such terms, which is a false representation and a violation of the FDCPA Section 807.

3- Falsely reporting 'Amount Past Due ' and reporting 'Failure to Pay ' payment history every month to my credit report, in which there was never an original signed contract between ( PRA ) and myself agreeing to pay them any money, which is a false representation and a violation of the FDCPA Section 807.

4- Falsely reporting the alleged account and misrepresenting themselves as 'Factoring Company ' on my XXXX report and Account type 'Other ' which is not listed under collection on my XXXX report, Which is a violation of CFPB Consent Order Paragraph 94.

I would like for the issues mentioned above to be addressed to stop the false and misleading representations, such abuses and unfair practices by Portfolio Recovery Associates are tremendously and negatively affecting my Credit report.
they collected more than what I owe and they did it without proper communication. At first they stopped collecting for XXXX months giving an impression that the loan was paid. They also called me last month and left a message offering a new loan. All of a sudden they resume collection in XXXX, XXXX when I called them they said that I still owe & XXXX which baffles me because I have been paying this loan since XX/XX/XXXX and should have been done last XX/XX/XXXX.They took a sum of {$300.00} ache in my bank last XX/XX/XXXX. No payments has been collected in the months of XXXX XXXX and XXXX which I thought it was fully paid already. 
Please take action to resolve thiS problem of mine.. I do n't want them to get the money again
I have disputed information with Equifax credit bureau numerous times. I have asked them on several listed accounts that provided me proof of verification on accounts that are reporting negative and inaccurate on my report. They have refused to provide me proof of how they are verifying the accounts for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Medical Bills. I have no knowledge of these accounts and them negative accounts have prevented me from obtaining anytime of credit or car loan because of these inaccurate accounts they keep validating and will not remove.
On XX/XX/2017, I received an alert that a collection has been placed on my XXXX credit report by Receivables Performance in reference to a XXXX account. I tried contacting Receivables Performance directly to inform them that this account is fraudulent, and that I had this issue once before with another collection about the same account. The first representative hung the phone up in my face. The second call I asked to speak with a manager, I was placed on hold and the phone disconnected. The third call, I inform the receptionist that I need to speak with someone, she told me she could not help me, and transferred my call. Once again I could not speak with a live person about this account. I have made six attempts via telephone and was unsuccessful each attempt. I have never heard or had any communication with Receivables Performance. This is the second time a collection company has put fraudulent, inaccurate, and non-validated information on my credit report. I have all the documentation from the previous collection company, and XXXX clearly stating the account is fraudulent. Please remove this account from my experian credit file immediately.