WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX Hours of Operation ( EST ) : XXXX to XXXX  Mon-Fri., XXXX to XXXX  Sat., XXXX to XXXX Sun. Company Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX Disputes : Call XXXX or write to : XXXX XXXX XXXX XXXX, Disputes Department, XXXX XXXX XXXX XXXX, VA XXXX   Disputes E-Mail address : PRA_Disputes@portfoliorecovery.com This company continues to harass, has contacted employers like XXXX XXXX XXXX in XXXX XXXX XXXX costing me a job. While serving in the XXXX XXXX XXXX XXXX  at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company held up my security clearance due to Account Number : XXXX Seller : XXXX XXXX XXXX XXXX XXXX Merchant : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX. Creditor to whom Debt is Owed : XXXX XXXX XXXX XXXX Current Balance Due : {$900.00} by paying www.PRApay.com or XXXX pay by mail - checks n payment to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX   Offering Single Payment *pay {$310.00} and save {$580.00} if payment received by XX/XX/2018 this harassment has cost me several {$25000.00} to {$170000.00} XXXX XXXX, XXXX XXXX, XXXX XXXX it caused the lost of a relationship and XXXX children. I want the harassment to stop, reported this company to the Vermont Attorney Generals Offices throughout Vermont, was serving in the US Military when then pulled an illegal court date while I was out training in the desserts, of XXXX, XXXX, XXXX XXXX. This is a case of identity theft, they keep doing this around certain dates of birthdays with men with our names, many with my name have been contacted and told about this debt, this debt goes from {$1600.00} to {$900.00} to the offer of 1 time payment {$310.00} to pay it all off. I have paid more than that amount, have lost well over the amount this company, these scam artist attorneys or they claim that while sending out threats to employers, friend, men with similar names and I want this stopped immediately please. This debt is insecure credit card debt and in no way after what I have tried to clear this debt and have lost will it ever get paid.
I am a single woman with no kids and I live alone. I purchased a couple of TV 's on line through Best Buy website. Both Tv 's were delivered. I went out of town 2 days later for work because I travel for my business and I also had to go out of town to check on my family who was in the hospital at the time suffering from XXXX XXXX. upon my return I scheduled to have the Tv installed over my fireplace on XXXX XXXX. Before finishing the installation by putting the TV on the wall, the installer notice a chip on the bottom corner. I have attached a copy of the picture that was taken at the time it was on the wall. I called Best Buy to inform them of the problem, they referred me to XXXX and when I spoke with them they said the TV was in good working condition when it left there warehouse and the responsibility falls onto Best Buy since it was delivered. Neither company was taking responsibility for the damage tv. I took the Tv to the local Best Buy store in XXXX on XXXX XXXX. I spoke with the Store Manager XXXX XXXX and he noticed the damage on the box and mentioned that it was a common problem. If you see a damage on the box is where the damage on the TV will occur. So he sent the TV to the XXXX XXXX to see if they would fix it and told me that I would still be responsible for paying for the cost. I told him at that time if there is a cost to fix I would n't pay it because it is not my fault the tv was damaged. I asked if he had another tv like the one I had for purchase. I purchased another tv the same day before leaving because I needed the installation person to complete his job so he could get paid for services. On XXXX XXXX I received an email stating that the tv could be fixed XXXX didnt have the part and the XXXX XXXX could n't fix it. They stated there was nothing else they could do nor could they refund me for the damaged tv. I later dispute the transaction with my credit card and the credit card company was told by best buy that they have a 15 day return policy and I was past that time frame. Now my best buy credit card would n't refund me nor would they cover the warranty like most credit companies when using major credit cards. Now I am stuck with paying for a tv that I no longer have in my home and ca n't use and this is unfair to me as a consumer to have to still pay for merchandise that I did n't damage --
On XX/XX/XXXX I reached out to Clark County Collections agency in order to see what I can do to correct a medical debt they aquired. I spoke with XXXX telephone number XXXX and I was very patient with her, but she continued to be vague with her answers. Specifically I asked her if I could get a copy of the medical debt because I don't remember going to emergency that day. She told me that it would take 30 days to get the information, which is fine. The problem I have is how her tone changed when I asked her, about how long I would have as it relates to moving forward with the judgement. She said I need to refer to my paperwork, however, my paperwork has XX/XX/XXXX, but they served my neighbor the documents on XX/XX/XXXX, while they were taking out the trash before going out of town. I had to advise her that she's not clear and I need to know if I have time to wait on these documents, and eventually she gave an answer, but her tone is rude. Mean while I'm trying to reach out to all parties involved. I call XXXX again XX/XX/XXXX, to advise that I can work out some arrangements, but I'm the only income in my house. She has no compassion, I ask to speak with a manager. She gets me to XXXX telephone number XXXX and I'm trying to work out arrangements or a settlement with her. I asked XXXX how long do I have to decide what I'm going to do, and she as the supervisor gives me a vague answer. At this point I'm really frustrated and I need to know how long before they move forward with the judgement, and her tone changes, as she states you need to refer back to your paperwork because she doesn't have it in front of her. I disregard her tone at this time, and address the fact that my paperwork says XX/XX/XXXX, however my neighbor was given this information on XX/XX/XXXX, so I don't have a clear timeframe because I have two different dates. As I told XXXX about the situation of my neighbor being served and not me, she entertains the conversation. I explain to her how I know it happened, but I'm not clear because, the paperwork was given to my neighbor, handed to my husband and then given to me. She said that she doesn't know the person is but they use XXXX, and then asked me is there anything else she can help me with, in rude tone. When I ask her for the number, she displays a more irritable tone. The call at this time goes south, where she's talking over me and she's refusing to assist me because all she wants is the money. I'm a customer and there is no reason that u shouldn't be treated as if I'm an XXXX, and they would feel the same way if they were in my shoes. As a consumer I have a right to ask questions about my account, and get a clear understanding and the treatment they gave me was unfair. To not answer my questions, take a tone as if I'm bothering them, and over talk me, made me feel that they weren't interested in working with me and they would prefer to garnish my checks.
I am reporting XXXX XXXX XXXX for violating the FDCPA section 809. It all started when I received a letter dated on XX/XX/2018 from XXXX XXXX XXXX indicating that the Louisiana Office of Student Financial Assistance has purchased the account with a balance of {$25000.00}. Later, I received another letter dated XX/XX/2018 from XXXX XXXX XXXX indicating that the amount was now {$51000.00} and held by the United States Department of Education ( Which conflicts with the first letter ). Because of this I wrote them a letter supported by the FDCPA section 809 which ask a Debt Collector for the validation of the debt because I wanted to know why Louisiana Office of Student Assistance has this debt if I attended XXXX XXXX XXXX in the state of Florida and then transferred to the state of Massachusetts. XXXX responded with inaccurate information in violation of the FDCPA section 809. I then learned that XXXX XXXX XXXX is a Navient Company. After I wrote them requesting Debt validation, they stopped contacting me and reached out to my employer directly with Lawsuits threats to them indicating that the letter are coming from the Louisiana Office of Student Assistance demanding Wage Garnishment that does not require a court order and my employer assuming the validity of the their threats, proceeded to deduct 15 % of my weekly earnings to pay to XXXX XXXX XXXX without a court order. This is a total amount of {$150.00} USD every week which is causing me a lot of financial stress.
ON MY CREDIT REPORTS THERE ARE 3 FRAUDULENT ACCOUNTS SHOWING I CONTACTED THE CREDIT BUREAU ABOUT THE FRAUD, I WAS ADVISED TO DISPUTE THE ACCOUNTS ON XX/XX/2017 I DID THE FRAUDULENT ACCOUNTS ARE STILL THERE. I GAVE NO ONE CONSENT TO USE MY PERSONAL INFORMATION.
I received a letter from Capital One informing me that I was pre-approved for credit card. I inputted the invitation code and personal information during the online application process as directed. At the end of the online process I was asked to scan or fax personal identifying information including my most recent payroll stub and a copy of my driver 's license. I faxed requested items and confirmed that Capital One received both documents. Yesterday I received a letter from Capital One informing me that they can not approve my request at this time. The following reason was cited : " Based on your application information, application submitted is incomplete or can not be verified. '' The documents I provided are correct and current. Capital One does not provide a contact number to speak with anyone on their end. Additionally, I have active credit card, banking and investment accounts with the company. I don't understand how the company can state they can not verify my information.
A person named XXXX XXXX from Centric Assets and his " supervisor '' keep calling my work. I 've tried to find them online, and I can not find any legitimate record of them. The debt is being paid through a legitimate collector, and is not in the amount that they claim. I have asked for a validation letter, and they keep saying they have sent it to my current address, which I gave them the first time they called and to my current email. I have received nothing. They seem to be very unprofessional. I was told that XXXX " was n't gon na play with me anymore '' and that he expected better of me because I was " XXXX ''. These people are calling my XXXX while I am XXXX. This is unacceptable.
Dates from which the debs run are dates the third party collection agency purchased the debts and NOT the dates the debts became delinquent. when I contacted them they would only say " no comment ''. These erroneous dates are nearly TWO years after the original delinquencies occurred. The original creditors refused to negotiate terms for payment with me. 

The collections agency is XXXX XXXX XXXX on XXXX debts, XXXX from " XXXX ''. and XXXX from " Citibank '' on both XXXX and XXXX.
Experian has investigated an account that is in error but has failed to properly correct the account. The account is with CHILD SUPPORT ENFORCEMENT and the Account Number is XXXX .... Previously the account listed a monthly payment of {$2800.00}. Now the account lists a monthly payment of {$1200.00}. Neither are correct. The correct monthly payment is {$0.00}. Experian has failed to properly correct this account.
I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasn't done and that violates my rights as a consumer I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission.
Commonwealth Financial Systems continues to list an account who 's delinquency with XXXX XXXX XXXX occurred on XXXX XXXX ( according to XXXX XXXX as XXXX that opened on XXXX XXXX the day that they acquired the account. The lack of clarification works to deceive potential creditors into perceiving this as a recent default as opposed to one that is over 6 years old. I have been unsuccessful in my attempt to address this matter earlier in the year, both with XXXX and XXXX. Any help that you could offer in this matter would be greatly appreciated.
I pay my mortgage electronically I usually add an additional XXXX for principle payment every month. I paid and extra XXXX to principle in XX/XX/XXXX and noticed the payment wasn't applied correctly even though the system and payment method was abundantly clear when I submitted it online. I called to have to payment reallocated and asked them why it wasn't applied correctly they told me the system had a glitch and said since the payment was over a regular payment amount it just future pays instead. I let is go because I don't normally pay that much every month. I decided I wanted to try and start applying an extra XXXX every month I could so this month on XX/XX/XXXX I did that. The system once again applied it to future payments even though I clearly applied it correctly as stated in the correct fields in the online system. They are being deceptive in the practices for payments to hope that clients don't pay attention and they get more money towards interest verse the clients expectations on the principle balance they are trying to pay down on. I shouldn't have to call every time I pay extra and have them fix it. This is a shady company in my opinion. I want all my online payment to be applied correctly. The system states it can be applied up to XXXX so I'm not sure why it's not. When I call they say it's a glitch or I'm not applying it correctly and that is not the case. My email receipt reflects exactly how I applied it. But some how when I see how it was actually applied it's future posting and not being applied to principle. This is very deceptive. Please look into this and help find a resolution so every month when I apply my extra money to be rid of the shady company I'm not wasting my time calling every month to have my payments fixed which they hope people won't look so it's in their favor.
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX  to XXXX and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX   deleted this account how did they delete it if you verified it with XXXX   and XXXX
In  XXXX     2016, Capital One char ged me an annual fee. I called up customer service and had them close out my card to remove the fee. This was supposed to be done per customer service.  XXXX  and  XXXX  came and I receiv ed zero mai l correspondence until late  XXXX  when I was told my account was 60 days past due plus on top of the annual fee they charged me  XXXX  late fees. Again, this card was supposed to be closed out therefore not giving me a 30/60 day late on my credit report. I tried to speak to customer service several times but they just hangup on me.
I have disputed with all XXXX credit reporting agencies, I have over 7 year old accts they will not remove. I have a collection that all but XXXX agency ( XXXX ) will not remove. 
None will provide me with full account numbers proving they belong to me.
XXXX XXXX opened the account on XXXX XXXX, 2012 ( 4 yrs, 11 mos ago ) following my acceptance onto permanent XXXX I was told I no longer was liable for the amount through their management agency. 

Please remove this immediately.
I froze my credit with the three credit reporting agencies. I was provided with a personal identification number for all three different agencies. I subsequently sought to unfreeze my credit with Experian. 

I attempted to contact Experian by phone but could not reach an individual or speak with anyone. I provided my personal identification number when requested but Experian, for some reason, Experian could not acknowledge my personal identification number. 

The Experian website requested that I submit documentation ( social security number, drivers license, etc. ) in order to have my credit report with Experian unfrozen. On XX/XX/2018 I submitted the requested paperwork to Experian. Today, XX/XX/2018, I have heard nothing from Experian, either by phone, email or regular mail, and, as far as I am aware, my credit has not been unfrozen. 

I am requesting your help to get Experian to respond to my request to unfreeze my credit and provide me with a contact person with whom I can speak if need be.
On my Equifax credit report, there is a XXXX XXXX XXXX XXXX XXXX, Tx XXXX address listed that I have never lived at. I have lived at the XXXX XXXX, XXXX XXXX address and the XXXX XXXX XXXX, XXXX address but not the XXXX Tx address. Please look into the XXXX address and see why that address is showing up under my name.
I was denied from a lender for " too many inquiries '' on my Equifax Credit Report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my Equifax Credit report that I DID NOT authorize and had no knowledge of. I contacted Equifax Immediately and was given no relief. I also have a fraud alert already placed which should have avoided any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason : 1.   XXXX   XXXX    XX/XX/XXXX   2 .   XXXX   XXXX   XXXX   XXXX     XX/XX/XXXX   3.   XXXX   XX/XX/XXXX  4.   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX   5.    XXXX   XXXX    XX/XX/XXXX  6.   XXXX   XXXX     XX/XX/XXXX  7.   XXXX   XXXX   XXXX    XX/XX/XXXX  8.   XXXX   XXXX     XX/XX/XXXX  9.   XXXX   XXXX    XX/XX/XXXX  10.   XXXX   XXXX     XXXX     11 .   XXXX   XXXX   XXXX    XX/XX/XXXX
XXXX account included in bankruptcy and discharged but still Reporting as derogatory. I disputed via agencies the account is deleted then re reported as derogatory. ChapterXXXX filed XX/XX/XXXX discharged XX/XX/XXXX. Account was never a charge off.
Hello, I got a payday loan from CastlePayday.com after receiving a flyer in the mail. At the time I needed the money so you do what you have to do. When I was going through the process I thought my payments would be {$100.00} per month. I only got a loan for {$400.00}. Well, each month this company is debiting {$280.00} from my checking account. I have contacted them as asked for a specific payoff amount and also advised that debiting from my account is no longer authorized and I would like to call in and settle this account.
I spoke to a collector from Grimley Financial on XXXX/XXXX/XXXX on or about XXXX. This collector never gave the mini-Miranda. I advised this collector that " I paid this account before it was placed with grimley, I had a receipt from XXXX XXXX ''. This lady put me on hold to apparently check with the clients system. She came back and advised that this was not and that I was wrong. I told her, " ok then, I want the validation in writing that this my account and I want the intake documents showing my information. I want this removed from my credit report in meantime as so you are not violating my FCRA rights and Grimley is not to contact me until such documents are provided, as per my FDCPA rights. " ... This collector then goes on to scream/berate me about how " that time has passed and that this is my balance after XXXX XXXX XXXX XXXX payed theirs '' and that I am being rude. She then slams the phone and hung up on me! When these are my rights under the FDCPA and the FCRA. I tried to call back and speak with someone who was this collectors superior ; however, my calls mysteriously could never connect to any live individual, this again concerns me. How can I not call back and report this collector for their extremely aggressive tactics and language? I called over eight times in reply but never would connect. I feel this company was beyond their rights to try and deny mine. More like " XXXX '' Financial.
Our home is in a flood zone so flood insurance is required. We changed policies and sent the new XXXX to XXXX which is Seterus 's insurance agency. They have repeatedly sent more letters, yet we have sent a hard copy via the USPS, and have FAXed the XXXX page twice. Once on XX/XX/XXXX, and again on XX/XX/XXXX. We phoned their calling center, ( the only contact number they give ) and they have no clue why they are unable to record this info.
I receive numerous calls daily to my cell and work phone from Profit service group Collections agency employee XXXX from phone # XXXX. I have verbalized to her collection agency to not call me or my job and that I cant take calls at my place of employment. Also my account is not in collection with that company. The medical account in question is being paid directly to XXXX XXXX medical billing department. XXXX XXXX have also notified Profit service group collection agency to not call me because my account is being collected in their office and it is not in collection.XXXX states that she will continue to call me no matter what. THIS IS ILLEGAL BECAUSE SHE CONTINUES TO CONSTANTLY HARRASS ME!!!!!!!! I HAVE MY CALL LOGS FROM MY CELL AND JOB AS PROOF OF CALLS I RECEIVE BACK TO BACK. SHE WILL HANG UP AND REDIAL MY NUMBER SEVERAL TIMES. HOW UNPROFESSIONAL IS THAT.
Pinnacle Credit Services has violated fair collection processes egregiously with me. 
I have attached the original documentation plus faxes sent to all partiesXXXX. Pinnacle is not the original creditor. 
XXXX. Pinnacle is reporting as an original creditor on more than XXXX of the credit bureaus ( FCRA Violation ) XXXX. As they are reporting to all XXXX bureaus, this debt will continue reporting until XXXX XXXX. XXXX, Texas statute of limitation for suit passed as of XXXX XXXX. XXXX, the standard of XXXX v XXXX for accuracy of demand on time barred debt applies to all communication to me. ( Demand attached ) XXXX. A debt buyer hired by Pinnacle XXXX XXXX and XXXX XXXX XXXX offered me a settlement on an out-of-statute account contrary to XXXX XXXX XXXX XXXX XXXX. XXXX attached ) on XXXX XXXX, XXXX. 
XXXX. Pinnacle is now reporting to the bureaus, contrary to earlier reports, as being able to be reported until XXXX XXXX contrary to their earlier reporting as XXXX XXXX. 
XXXX. Received a letter stating XXXX and XXXX was closing the case and information submitted back to Pinnacle. 
XXXX. I filed complaint with the BBB XXXX unanswered by Pinnacle XXXX attached XXXX. 
XXXX. For a brief period after the BBB complaint, the bureaus reported this debt as a closed account which has been subsequently placed back onto my bureau report as an open account and Pinnacle as original creditor. 

I am requesting closing of the file by all parties and deletion from all bureaus anything related to this debt for a pattern of violationsSincerely, XXXX XXXX XXXX
Experian is reporting information regarding XXXX BANK XXXX .... on my credit report, and their system refuses to let me re-dispute. No other CRA is reporting it, only Experian. Creditor 's statement : Account transferred to another lender, and Experian refuses to investigate the name of that lender. Moreover, I have no knowledge of the account.