WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, PRA LLC ( Portfolio Recovery Associates ) was mailed a letter requesting validation of a deb they had sent me notice of. 
Validation was requested in a timely manner based on lawful requirements, made within 30-days of receipt of their notice dated XX/XX/XXXX and received XX/XX/XXXX. 
My communications with Debt Collectors is generally duplicated, involving BOTH fax and USPS Priorirty Mail ( which includes free tracking ). 

PRA LLC failed to provide any validation. 

PRA LLC proceeded with further collection activity as evidenced by their correspondence of XX/XX/XXXX demanding full payment of the {$990.00} they claimed to be owed. 

Pursuant to the FDCPA, All Collection Activity Was Immediately Stayed Once I Provided A Timely Request For Validation Until Such Time As Validation Is Provided. HOWEVER, PRA LLC proceeded to demand payment in full without providing any validation as requested and required. 

By proceeding with collection activity and demanding payment, PRA LLC did violate the FDCPA and PRA LLC did violate the XX/XX/XXXX Consent Order which PRA LLC voluntarily entered into with CFPB. 


On XX/XX/XXXX, PRA LLC did author correspondence to me, providing me copies of XXXX billing statements claiming that such did validate their claim ALTHOUGH SAID STATEMENTS FAILED TO IDENTIFY ADEQUATE INFORMATION TO VRIFY TH LEGITAMACY OF THE ACCOUNT OR CHANRGES MADE TO THE ACCOUNT. 

On XX/XX/XXXX, IN A SEPARATE WRITTEN COMMUNICATION, PRA LLC also provided documents requesting additional information concerning possible identity theft or mis-use of the alleged account. 

BOTH letters DATED XX/XX/XXXX were received XX/XX/XXXX. 

XXXX DAY LATER, on XXXX XXXX, XXXX XXXX did author correspondence informing me that I had failed to respond with the additional information they had " previously requested '' and advising me that they were unable to investigate any claims of identity theft without said information. Said notices also received XX/XX/XXXX. 

It is clearly UNREASONABLE to expect a person to respond with information and documents that were requested via US Mail ONE OR FEWER DAYS PRIOR, as clearly documents mailed on or after XX/XX/XXXX would not have been received by the alleged debtor as of XX/XX/XXXX. 

In that PRA LLC has elected to respond and act as if I am 100 % To Blame for all of the failures of PRA LLC .... I have elected to file formal complaints with the CFPB and with the State Attorney General 's Office. FURTHER, I am preserving all of my rights to file suit, directly or as a counter action, against PRA LLC and any other party who may contact me or attempt to collect this debt based on PRA LLCs failure to provide debt validation as required prior to proceeding with collection activity and demand for payment. 

This matter has been turned over to my legal counsel. Any and all information and communications provided to PRA LLC will be done so by my legal counsel and will take place when and if counsel believes it to be in my best interest.
HUNTER WARFIELD INC  #XXXX**
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
Placed for Collection:XX/XX/XXXX
Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: 	$XXXX
Date Updated: 	XX/XX/XXXX
Original Amount: 	$XXXX
Original Creditor: XXXX XXXX XXXX XXXX  (Rental/Leasing)
Past Due: 	>$XXXX<
	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XX/XX/XXXX


This military housing debt 77% of this debt does not belong to me. I was XXXX XXXX living in military housing when the military XXXX XXXX XXXX XXXX XXXX The military is responsible for the 77%. I only owe $XXXX left on the debt for cleaning cost. My XXXX (housing allowance) military housing suppose to be paid my military.
I've been writing all three credit bureaus since last XX/XX/2017 ( see attached ) XXXX, Experian, XXXX Dispute Letters with the dates times and amounts there was a total of XXXX inquiries. I also disputed a closed account with XXXX 's even with the police report they said its mine the account is but paid off in full there is a police report that states its not mine. There are new inquires that I just updated the police report with them and I need them removed immediately and not in 30 days. There is a collection account as well that is not mine on all three bureau ( see attached ). I just want the following done about this matter
I have this company this is repeatedly calling about a debt that I am unaware of. The call back to back, from out of state numbers then they call from local numbers. They leave constant illegal messages stating they are with either an attorney or the escalation supervisor and I have the same day to call before they will pursue the matter. I know this is in violation of the FDCPA and they can not threaten to sue via voicemail or unless they actually have intentions on suing. I have several messages on my phone still with them violating my rights. They have even falsely placed on my credit report that previously I had made payment arrangements thru my payroll at a job. All of this information is inaccurately being reported and I am being harrassed at this point
I started asking for a copy of my Promissory Note with my original signature on it since XXXX XXXX from XXXX. I 've gotten several responses but none satisfied my initial request ; i was given a computerize signature connecting me to these alleged loans. So after getting no proper response from XXXX, i sought out the credit bureaus from help on retrieving the proper documents. On XXXX XXXX, XXXX the first dispute letter was sent through the credit bureaus dispute portals online, XXXX XXXX & XXXX, XXXX XXXX & experian was sent via certified mail XXXX online dispute portal, XXXX XXXX, XXXX all was sent certified mail, and the 4th and final letter was sent XXXX XXXX, XXXX via online dispute portals. All the credit bureaus responses were the same as the info report was accurate and could not be deleted. All certified mail was notarized by notary service.
RIP OFF AND FRAUD COMPLAINT. 

Message : Complaint # XXXX. Copy of my complaint to XXXX. and FTC. 
XXXX XXXX XXXX cancel the ACH services and Directed me to ENROLL for my Social Security Bennefit Payment with XXXX who latter asked me to Register with Direct Express Card Payment Processing Services . I did Enroll since XXXX XXXX, 2015. ATM card was issued for me on XXXX XXXX 2015. Up to date, I did not get the ATM Card. It was never mailed to me. But my Benefit payment was been Sat Upon, starting from XXXX 2015. Now they have my XXXX, XXXX, XXXX AND XXXX Payment without me being able to access my money for four Months. My Family is Starving and has no money for Food since. My Small Children are the Victims of this wicked act.I have Cancelled my Business with them, but access to my money with them remained a misery. i need my money to feed my little children and myself. Please Help me somebody. 

Desired Settlement : Refund My Benefit Money for 4 Months, Namely XXXX, XXXX, XXXX and XXXX is to be SENT to Me Either on a replacement CARD or By Check in my Name to be sent to my address at the XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX. XXXX XXXX for the 4 Months, to be sent to Me Please. 

I am contacting you to see if you can help me recover a 4 Month Payment recieved by this company. But refused to furnish the Payment to me since last year. All efforts to get this {$350.00} x XXXX = {$1000.00}. in Total proved abortive. The company is named : Direct Express Card. Phone # XXXX and XXXX. Cust.Support XXXX. Social Security Bennefit Payments For Me.. This company collected 4 months of my money without giving me the money up till date. Can you collect this money for me Please? I am corrently in XXXX. XXXX My Phone # XXXX XXXX and XXXX. This company address is XXXX XXXX, XXXX XXXX, XXXX XXXX Email : if it is working is XXXXXXXXXXXX Please let me know if you can assist or Direct me to Who can help with this information given to them. thanks. 
This is done to many more People too. 
This wicked practice has to STOP on SENIOR CITIZEN. Thanks.
On all XXXX credit bureaus reports I have fair credit because they state I do not have a long enough credit history. They have left off one of my credit cards, XXXX XXXX, which I have had since 1993. Would definitely bring my average credit history up.
I have been paying on my student loans since XX/XX/XXXX when I graduated. I had them in forbearance for a while so I understand that interest still accrues during that period. I started paying regularly since approximately XX/XX/XXXX. Recently I have been paying via automatic debit more than the monthly amount to try and get this paid off. Each payment that I make has a different amount applied to principal and interest even thought I make the same payment amount on the same day of the month every month. Some months the differences seem quite dramatic.
XXXX XXXX XXXX XXXX, Ohio keeps calling me up at workplace, home cell phone and any which way they can to make me owe a debt that 's not mine. I 've repeatedly told them to stop calling and send letters without proof but there 's no benefit.
Mortgage paid off in full on XXXX/XXXX/15. Lender failed to return unused escrow funds ( {$1900.00} XXXX. Lender indicated funds would be returned by XXXX/XXXX/15. Funds have not been received as of COB XXXX/XXXX/15.
On XX/XX/XXXX, I discovered a fraudulent charge to my Chase checking account from XXXX XXXX for {$2100.00}. I called my bank and they reversed the charges. On XX/XX/XXXX, I received a document from Chase Bank saying that they were reversing the charge to my account. When I called Chase, they said they could do nothing about it since XXXX XXXX refuses to reimburse the funds taken. I called XXXX XXXX and they refused to refund the money since the person who took the funds had my debit card information, including the three digit code on the back of the card. I am waiting for a fraud id number from XXXX XXXX. I was told to take this information to my local police force 's fraud division. Even with all of this, there is no guarantee that I will get my money back. From what I understand from my conversations with Chase and XXXX XXXX is that there were areas that both companies could have done to stop this from the beginning.
I have 3 Citibank credit cards and have been victimized by them over charging customers and would like to be included in the class action suit. I also want to know if I can have those debts removed from my credit in light of the companies latest deception? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
XXXX XXXX XXXX sold my loan to SLS www.sls.net on XXXX/XXXX/2015. XXXX sent my payments during transition via wire transfer. SLS never credited $ XXXX in funds ( transaction # s, dates, times all provided in writing ), then said they would foreclose because we had not paid. Made payments through bank online bill pay and have documentation, next they began returning online payments because the account was closed. Sent XXXX cashier 's checks totaling another XXXX they have never acknowledged payment for and now say we owe them a huge amount of money. They are also not properly paying our taxes which are in escrow in our payment. Our home has $ XXXX in equity in a very desirable area for schools, etc. We know they want to take the property and sell it quickly. We do n't know where to go for advice that is legitimate. 
XXXX XXXX ( XXXX XXXX XXXX
We have a auto financed through XXXX XXXX. XXXX XXXX XXXX which was purchased for {$9900.00} but the loan was transferred to Santander Consumer USA, we have made monthly payments ( some late ) for the last 4 years, a total of {$20000.00}. According to Santander USA, we still have a balance of {$21000.00}. A car that was sold under $ 10K, which is now worth {$1200.00} according to XXXX XXXX XXXX. Unable to come out of this debt, the car was repossessed and we still  have a balance of over $ 21K. How can it be LEGAL for a loan company to charge over {$30000.00} of interest on a loan that was under $ 10K? we believe Santander Consumer USA is acting as loan sharks charging fees and increasing interest rates without notifying the client or adding it in areas that was not indicated by the sales person. We have seen a class action law suit against Santander Consumer USA for the exact same thing in which thousands have signed up. can you help us?
I have had representative XXXX XXXX call my business phone after advising multiple times to remove my business phone from their records but they continue to call and harass and are borderline stalking. They are rude, invasive and frankly their collection tactics are XXXX like as represented in their need to sale to companies to collect debts. They have threatened to add my debts to my husband 's credit and debts that were established prior to our marriage. This is illegal and they have no right to do this. This company is absolutely rude and their workers insult and will talk over you, hello you called me to collect a debt and being rude and invasive will not help you accomplish this.
We refinanced our home with Chase bank in XXXX. Instead of paying off our credit cards like we thought was going to happen. They did the refinance at more than our home was worth and gave us a line of credit adding another debt. We had a few hard times over the last several years. XXXX was told she has XXXX then I XXXX and was off from work four months. After returning to work three months later was riding the bus home and the driver moves and stopped before I sat down and I XXXX. The next year XXXX fell and XXXX and it needed to be XXXX. u can see where we r now.
Umpqua bank allowed a transaction of {$180.00} out of my checking account from a garnishment, then charged me an additional {$120.00} in fees. My paycheck that Friday was only {$300.00} and my checking account consisted of only XXXX dollars and change prior to my direct deposited check. They wiped my entire account to XXXX balance then closed it. When I requested all funds be refunded as that was my very last paycheck prior to going on XXXX which could take weeks to process prior to receiving any payment at all. I 'm a single mom with now not a dime to feed, clothe or shelter my own children. I did not have the funds to garnish, I did not have a phone call, a letter or any notification of this transaction and if I had I could have paid the garnishment and at least had XXXX to feed my children. This was a violation of my rights and should be illegal,, I 've been robbed from my own financial institution who I have trusted. This bank is refusing to help me in this matter in fact blaming it on the creditor XXXX, stating they should be responsible for the fines and fees ... .but here 's my question " should n't the creditor and the bank allowing a garnishment have the same laws set before them to fully understand the allowed amounts to be taken according to the amount in the account? They took more than double 25 % of my wages that week and Umpqua finished my account off after. They are XXXX.
National Service Bureau, Debt collection agency contacted me to state that they are going to sue me ( the first time I spoke with them ) and that I took out a debt and continues to call and hang up on me. After notifying the agency that I would be contacting my civil attorney in regards to disputing this debt, XXXX, the debt collector continued to hang up on me after I tried several times to have a conversation with him in regards to this account. He then called my home phone number leaving a message asking for another person who is not my spouse to talk about my debt.
On XX/XX/2018 I contacted XXXX with XXXX at XXXX XXXX in concerns with a listing on my credit report in the amount of {$470.00}. XXXX stated that she checked he system and wasn't sure of why her company is listed on my credit report. She then stated that she is the assistant manager and she is not sure the debt is even true. She advised me to contact Hunters Warfield and see what information they have because if its being reported by them then that means they no longer own the debt and she doesn't want to discuss something that she knows nothing about. On XX/XX/2018 I contacted the XXXX in regards to a listing on my credit report. I spoke to a rep by the name of XXXX Id # ( XXXX ) I advised him that I wanted to file a dispute with a company called Hunter 's Warfield in the amount of {$470.00}. XXXX was very unhelpful, he basically refused to file my complaint. I contacted Hunters Warfield on XX/XX/2018 and spoke to the rep by the name of XXXX Id # ( XXXX ). I contacted her because I was concerned with this item that listed on my XXXX report and also listed on my Husbands XXXX, XXXX, XXXX report. XXXX advised me that she has no item in her system for this amount and was unaware of the account in questioned. On XX/XX/2018 I contacted the National Legal Aid for assistance
XX/XX/XXXX a credit of XXXX was applied to my account and was never called on it or emailed why I had this credit. XX/XX/XXXX XXXX took XXXX out of my account for the monthly payment for XX/XX/XXXX, they should of only taken the amount XXXX to complete the payment. Still no phone call or email on the credit. Now its XX/XX/XXXX and they automatically applied the XXXX to a principal payment and took the full amount again which caused my account to bounce and my bank to charge me XXXX for the over draft fee.
I LIVE AT THE HOMELESS SHELTER DOWNTOWN, A FEW DAYS AGO SOMEBODY STOLE BAG WITH MY DEBIT CARD AND A LOT OF MY PERSONAL BELONGINGS. 

I NEED HELP BECAUSE MY MONEY IS GONE, AND THE BANK SAYS THERE CLOSING MY ACCOUNT FOR A FRAUDULENT CHECK SOME XXXX TRIED TO PUT IN MY ACCOUNT. 

I DONT EVEN KNOW HOW TO DEPOSIT A CHECK UNLESS ITS AT THE LIQUOR STORE. THIS IS JUST CRAZY. 

ON XX/XX/XXXX I GOT A LETTER SAYING THEY ARE CLOSING MY ACCOUNT. PLEASE SOMEBODY HELP ME!
On XX/XX/2016 I had funds in my account Td Bank charged me overdraft fees XXXX times. XXXX $ XXXX {$320.00} my negative balance at the moment is {$280.00} meaning I do have my own money there and I did have money there the same day " it went to negative '' as Td Bank claims. Their customer service is ridiculously rude, they sound like bunch of scam artist at the branch and over the phone. I 'm a new customer with this bank, I just wish I did n't switch over to them from XXXX. When i checked my balance it was showing my remaining balance for example : ( {$100.00} ) so this ( ) means that its negative? Never seen this done at another bank. Usually if an account is negative you will see it in red with a - {$100.00}. I 'm very upset with this situation, I have no idea where to get help with this matter. Went into the branch they did n't help me out, called Td Bank they did n't help me out, asked for a supervisor she did n't help me out. I have no idea what to do, this is not fair.
XX/XX/XXXX late payment XXXX XXXX account Good afternoon and I hope all is well when you receive this email. I am writing to you in reference to an ongoing issue my husband and I have been dealing with, with XXXX XXXX. You see my husband is a XXXX XXXX % XXXX veteran who suffers from XXXX XXXX and a XXXX XXXX XXXX. I am his legal care taker and take care of all his finances as well. We have a XXXX XXXX account and over a year ago I had called the service dept to change the email from his to mine since we were set up for email statements. I had n't used the card for most of that year and did n't honk anything of it. I had used it back in XX/XX/XXXX I believe and was under the impression from your service dept that the email on file was mine from months prior contact with them. We get a phone call stating the payment is late, in which I had responded I had never gotten an email. They looked into it and said ny husbands email was on file. I know that it was overlooked on both sides and I should have followed up again when I initiated the original change. It slipped my mind and we were late. I asked if we could be forgiven for it and the customer service rep XXXX spoke to her manager and told us we would fine. That they reversed the late fee and that they would send an electronic notice to the credit agencies within 30 days. That was never done. I called today and spoke to a manager XXXX I believe, she told me nothing could be done because it was n't a banking issue. I expressed to her the issues and injuries my husband has and how it was supposed to be changed to my email address a year prior. She did n't want to hear it. I also told her XXXX made it clear that she got approval from a manager to  fix it. That it 's on recording and XXXX said " even if it is there is nothing they could do. '' Im asking if you can please help us fix this issue. It is negatively affecting our credit and we are trying to purchase a home through the VA. Is thee anything you can do to help us? We appreciate
My Identity was stolen back in XX/XX/2012. I made out a Police Report with my cities Police XXXX XXXX XXXX. I also made the steps to put my credit on lock down for a few months. I went through all the steps I was suppose to ... I even sent a copy of the police report to the XXXX itself XXXX times ( I do n't live in XXXX nor have I ever ).
XXXX has been on my Equifax Report for over 9 years. This violates the Fair Credit Reporting Act which states 7 years only. Equifax removed it 4 months ago because XXXX continues to submit intentionally inaccurate information so they can re- age the Account. The past year Equifax has reported there has been no payment history for 81 months. If you add 81 + 12 that is over 7 years. In addition XXXX has claimed I made payments in XX/XX/XXXX and XXXX of 2015. I did not and the balance has n't changed in 13 years. Equifax continues to report XXXX even though they know all of the details are incorrect.
I pulled my credit report while saving to buy a home and found 2 items in collections. Both items in collections were from Debt Recovery Solutions for debts that occurred in XX/XX/XXXX. The amounts were for {$740.00} and another for {$59.00}. I called the debt collector and came to an agreement to settle the debts for {$290.00} and {$44.00} respectively. I paid them immediately over the phone and received receipts via email. Within a week the original debt for {$740.00} was cleared off my credit report. A week later I received a letter from Debt Recovery Solutions saying I never paid the {$44.00} for the {$59.00} debt. I called the agency and provided them with my confirmation number from the payment that I had already made, at this time they brought up another debt from XX/XX/XXXX that I was not aware of, I told them that I could not make payment on that debt at this time. Two weeks later my credit report was updated, the original debt for the balance of {$59.00} was cleared off and a new debt for {$440.00} was added which is the remaining balance of the debt that we had agreed to settle on for {$290.00} which I paid in full on XX/XX/XXXX. Im sure they will say this was another mistake, but these mistakes take weeks to fix, and there doing this so they can ask me about an unrelated debt that is almost 10 years old, which I have no idea where it came from.
Pinnacle has refused to correct their false information and have not met the FCRA standard. Consumer is seeking the licensed and registered agent in Pennsylvania to pursue action for violations by Pinnacle. 
Creditor, collection agency and credit bureau, if they reage your debt ( FCRA section 605 ( c ). 

Creditor, collection agency if they report your credit history inaccuratley ( extent of damages incurred ) a collection agency can not misrepresent a debt as to the date, legal, or amount ( FDCPA ) FCRA Section 604 ( A ) ( 3 ) covers the pulling of a credit file without permissible purpose