WillisBack/dataset-financial-user-claim huggingface dataset:
keep getting odd numbers showing up on my WORK phone. When I look the numbers up on the internet, I find they are many different numbers for Portfolio Recovery. And I also see there are MANY complaints about this company. This is my WORK phone. My boss has even answered and told them it was illegal for them to bother anyone at work, and they still call, so I do n't answer. Any debt I have is being handled, so I do n't even want to talk to them, because from what I 've read on the web, these people take even answering the call to be some sort of admission of responsibility for the " debt ''.
I have had a Direct Express Debit Card for several years. I get my SSI electronically transferred to this card on the XXXX of each month and my XXXX transferred to this card on the XXXX of each month. On XXXX/XXXX/2016 my first card expired. Before my first card expired, I was sent a " Dummy '' replacement card from Direct Express. When I tried to activate the new " Dummy '' card about XXXX on XXXX/XXXX/2016, I was told by a Direct Express Representative that she could n't activate the card and it must be a " glitch '' in their system. She said she would send me a replacement card without charge and it would take 5-7 business days, but if I wanted my Direct Express Debit Card in two days there would be a Express Shipping Charge of {$15.00}. She went on to say that once I received the card I should n't have a problem getting a credit for the {$15.00} Express Shipping Charge since the first replacement card that was sent to me could n't be activated. On XXXX/XXXX/2016 I called Direct Express Credit Card Services to check the status of my replacement. I was told that a request for a replacement debit card had not been submitted. A man told me he would submit a request for a replacement card for me, but there is a {$15.00} charge for Express Shipping. By this time my SSI was two days late, the reason was that I had received a " Dummy '' Direct Express Debit Card that could not be activated in their system. After speaking to a Direct Express Representative the second time, I called within two hours and my second replacement card was in the process of being shipped. Direct Express took {$15.00} from my account to pay for the shipping of my second card. I was and am still angry that I had to pay a shipping charge. I have spoke to many Direct Express Representatives and am told that the charge of {$15.00} Express Shipping was a valid charge to my card. I should not have been sent a " Dummy '' Direct Express Debit Card that could n't be activated because of a " glitch '' in their system. I should n't have had to pay for shipping at all. The " glitch '' was their problem. I had to wait at least until XXXX/XXXX/2016 to receive my SSI/XXXX Benefits because of Direct Express Debit Card Services " GLITCH. ''
I am XXXX of the people affected by the recent Equifax hack, and I want to file a formal complaint against the company for not only jeopardizing my information but failing to report the leak for several months.
I submitted a dispute stating debt from XXXX XXXX. was no longer my liability. Equifax did not contact XXXX XXXX to verify this. They just stated that it was my account and closed the investigation.
I opened an account with Citibank because i thought they will be a better bank, but now they are starting with the stupidness. I called in regards to a check that i wrote for {$740.00} and A few weeks ago I saw that the check was presented as paid in my account, And today I receive a call from the person i wrote the check to and they advised me that there bank told them that there was a freeze on my account and the check was not paid, i go into my account and now all of a sudden the check is not showing no where in my account. I then called the bank and spoke to XXXX @ Citibank and she said that my check was not paid because there was insufficient funds in my account and the check was presented on XXXX/XXXX/2017. I told her that was not true because I had over {$9000.00} in my account she then tells me to hold and she kept me on hold for a few minutes and then comes back and tells me that she was sorry for the information my checks was blocked because they needed to be activated i NEVER received a letter stating that the check was not paid nor my account was blocked she then said that she was sorry and if i activate the checks they can represent the check and it would go threw. I said as of today I have {$170.00} in my account and the check will bounce she said that she understand and she is sorry. I had check this amount off because it showed presented so this should be on Citibank not on me and they have put me in a bad situation..
I see this advertisement all over  XXXX  in my town- The add claims I can get 100 % financing even with a   XXXX  Fico,  but its not true at all! we got going in the process and after getting under contract she then told me I needed a minimum of a  XXXX  fico in order to qualify for the no down payment 100 % financing.. Which is not in her  XXXX  add! Then she said what can I sell, or who can i borrower the money from for a down payment? Well If I had someone to lend me the down payment why would i have clicked on her add?
my personal info was used to open credit card with Barclays bank, they changed my address and no statement was coming to me. When I found out the problem I called and reported it to Barclays in XX/XX/XXXX, the charges on card was {$10000.00} then. They closed the card and issued credits. on XX/XX/XXXX they sent me a credit check for {$200.00}.

Now they are sending me a different credit card saying I owe {$31000.00}, I have called and sent them letters they do not reply nor call me back, and now they send a different card saying I now owe {$13000.00}, these cards are not mines and they still have it on my credit report with the fraudulent address.
An account was open fraudulently with XXXX as the original creditor who than sold the account to XXXX XXXX XXXX a collection agency. I have contacted them many times and informed them of the fraud. The major credit reporting agencies have agreed to remove the account. The account still remains as a negative trade line on my Experian credit file. This needs to be corrected as Ive received correspondence that they will remove the account and still havent!
Each Credit Reporting Agency continues to show credit inquiries when we have not authorized the companies to pull our credit. I have  disputed these inquiries from each agency and nothing has happened nor have they disclosed the accuracy of these inquiries.
A company called Fast Cash Services claims that I owe them XXXX from an old outstanding debt and they want me to pay within 24 hours and the case will be downloaded and they will file suit in federal court in XXXX, FL. FCS Incorporated is the name of the company they claim to be working as.
XXXX XXXX XXXX/Navient ... dates is XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX reporting 180 days or more late.. this account have been since XXXX.. in XX/XX/XXXX I fail into hard times and financing was not so good and being a single mother was hard ... Ive wrote good will letters, Ive called several times begging for forgiveness and to correct the late payments.. right now its stopping me from getting the job I truly need that will help me stay on top of my finances ... since XX/XX/XXXX Ive became current with navient.. please help me
XXXX File Number XXXX XX/XX/2018 XXXX has under Club & Subscription Activity XXXX XXXX XXXX on my file I have never applied or sign or ask or requested anything from XXXX XXXX XXXX XXXX needs to stop placing selling and having XXXX XXXX XXXX all over my credit file that I not applied or requested or sign giving permission for anything XXXX XXXX XXXX
XXXX ( Department Store National Bank ) XXXX as a store uses this company to issuse there cards. I first was approved for a XXXX credit limited and with in a month nothing changed on my credit report that I used to be approved. They without notice lower my limit to XXXX which dropped my credit score. This made my credit look like I had maxed out my card. This was one mistake. I fought for some time to get my balance down so I then Took out a loan from XXXX XXXX XXXX. to pay it down this loan. The check was sent out on the XXXX of XXXX and cash by there bank on the XXXX of XXXX. My loan officer made a mistake and left the last four numbers of my account number.. As a company they still cashed the check and I sent them a copy of the cash check on the XXXX of the month.. they have yet to return the credit or help me out ... I feel as a company they should be more helpful as a company
I AM A VICTIM of ID theft I have several fraudulent addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX  XXXX XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX The following phone numbers are not mine please delete the following : ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
I have been receiving calls from TRS consumer services asking about debt I have outstanding. I do not have any debt outstanding - I checked my credit report to make sure ... I was finally able to get on phone with them.. if you dont pick up when they call, there is no way to speak to a person if you call them. Their website says in order to make an INQUIRY, one must send in their drivers license and bank account information, which I find to be absurd. When I finally picked up when they called, they were not able to give me any other information that linked me to the debt - they said there was a check that was submitted under my name in Texas on XX/XX/XXXX ( I was actually out of the country at this time ) and that my address is in Massachusetts ( my phone number is from XXXX, but I do not live there ) and it was checks that was submitted to a casino. All in all, they told me that I can give a call to " Telecheck '' which is who they are trying to collect for - which seems very strange given that Telecheck and TRS Consumer Services are both a " FirstData '' company, whatever that means. They told me to contact Telecheck to get my name removed. So I called. They asked for my bank routing, social security, and drivers license number. ( I dont even have a drivers license number ) I said I will not give you those information, I just need to remove myself from getting calls every week - and they refused to do so without my information. I see many scam allegations on google on these two companies - anything we can do to remove from their websites asking people to send in bank account / routing / social security info? / My theory is they keep calling numbers, leaving voicemails and people call back, and cant get in touch with anyone, so they go to this website and up giving away their precious personal information away. They NEED to be stopped. I also got another debt collector call from the below number XXXX recently, who said they had some guy 's name under the account and they removed me right away. Still makes me nervous that this TRS / Telecheck company is selling people 's info to other fraudulent companies.. Thank you for helping!!
My complaint echo 's the suit being filed against Navient. Any time I have reached out to Navient, they have n't assisted me with lowering my payment. I also have tried to reach out to them and pay a lower amount monthly which they have declined multiple times. Recently, the company automatically put my loans in forbearance without my permission. Also, when I fell behind on payments they would constantly harass my co-signer. They would call as early as XXXX, about 7 times a day.
I GOT A E-MAIL FROM CARRINGTON MORTGAGE SERVICES ON SAT XX/XX/XXXX STATING MY ESCROW ANALYSIS WAS REDY TO VEIW ON THERE WEBSITE AND I LOG AND ITS NO WHERE TO BE FOUND AND THEY NEVER CALLED ME TO LET ME NOW IF MY ESCROW WAS GETTING DOWN BELOW A CERTIAN POINT AND NOW THEY RAISED MY PAYMENTS UP WHEN XXXX HAD MY MORTGAGE THEY CONTACTED ME TO LET ME NOW IF MY ESCROW WAS DOWN BELOW A CERTAIN AMOUNT AND THEN I WOULD SEND YHEM THE DIFFERENCE TO KEEP MY PAYSMENTS DOWN.
I'm writing about the dispute letters and documentation that I've sent and have not heard back. First letter was send XX/XX/2018 with proof of a shut down by the FTC and the paper work of XXXX  XXXX that I purchased no action. Sent 2nd letter XX/XX/XXXX, and third letter list products not received XX/XX/2018. 

Here is the and services description of products and the dispute : -Description of Services/Products : XXXX  is a business education platform. I paid and registered for a training program, sponsored by XXXX XXXX, to learn about online business practices and marketing techniques. XXXX XXXX which were 3 live training events ( XXXX, XXXX, and XXXX XXXX ), where I had to travel to XXXX XXXX or XXXX at a future date I choose to be trained and coached by the best in online marketing and advertising. Cost covered hotel stay, food, amenities and live trainings. This cost also includes continuous online training through XXXX websites and online coaching sessions that I could access whenever I want at my pace, and that new and fresh training will be posted continuously on the companys websites. I could choose any future date ( whenever listed by XXXX ) to attend the XXXX, and I could contact the coaches to receive online training via scheduling. 

-REASON for DISPUTE : I made prepayment for these services/products listed above, but I have never received ( DID NOT attend any XXXX   ) nor will ever receive in the future my goods or services due that this company ( XXXX XXXX ) has been under investigation and shut down by the Federal Trade Commission ( FTC ) for being a scam and fraudulent company. 
All XXXX sites have been halted by the FTC. They have a Temporary Restraining Order and all the company and its subsidiaries have been taken over on/about XX/XX/2018 by a Receiver named XXXX XXXX XXXX. There is no way I can contact the company in good faith for a reimbursement of my money. All communications in and out of XXXX have been cut, and they are legally not allowed to handle anything like this during the investigation -Documentations : You can find more information about the company taken by the FTC at : -The Receivers name, XXXX XXXX XXXX , website at : XXXX  Specifically, the following documents ( # 1a-3 can be found at the above XXXX site ) about the case listed below : 1a. XXXX Appointment : XXXX XXXX XXXX 1. Initial Order : XXXX XXXX XXXX  2. Complaint : XXXX XXXX XXXX 3.  Temporary Restraining Order : XXXX XXXX XXXX 4. An Article on the FTC website www.ftc.gov : www.ftc.gov/XXXX
Problem : This company has been transfered a debt from XXXX XXXX XXXX who was unable to provide strict proof of contract as requested. Since the could not provide strict proof of contract, they transfered the debt to this company, who also cant provide strict proof of contract because the company before them were unable to. This company XXXX XXXX XXXX XXXX XXXX along with XXXX XXXX XXXX, XXXX Inc, and XXXX XXXX have not provided any documentation the establishes that i entered into a contractual agreement with any of them. None of them have provided strict proof of contract to substantiate there claim. This company is in violation of the PA XXXX rules of XXXX
First I sent a request to XXXX to remove a Collection that was filed without notifying me about this issue. They did not remove the collection. 
them I contacted the Collection Agency Collection Bureau of America Just because I sent them a letter to remove the collection they immediately stated that they have verified such collection because I communicate with them. 
they sent me a letter that I owe them {$310.00} they did not pay attention to my letter where I am stating the inaccuracies and discrepancies XXXX fail. 

According to Sect. 623 of the Fair Credit Reporting Act states after you dispute with the Bureau you have the right to ask Creditor all the Documents that were provided to XXXX to prove their claim. I did not get such verification instead they sent me an itemized bill? 

I am disputing this debt because I do not owe it, back in XX/XX/XXXX I made payment arrangements directly with the company I made business with which is XXXX XXXX XXXX XXXX XXXX XXXX we agreed to settle this debt for {$220.00} which I did pay the records show that they received the payment however they Re-Sold the debt to a third party collection company. 

Also, I notify Collection Bureau of America that this debt was settled the same year back in XX/XX/XXXX, therefore, they are in Violation of the " Debt Collection Statute of Limitations '' which is 4 years for written contracts in the state of California the debt was settled in XX/XX/XXXX it is 4 years. 
Collection Bureau of America fail to contact me back when they got the collection Re-Sold to them, to my address in XXXX XXXX I live there in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX since XX/XX/XXXX to XX/XX/XXXX creating an Injury to my Credit Report and My Credit Score under FCRA sect. 604 ( A ) ( 3 ) in the hopes of keeping Negative Information in the Credit Bureau Longer under FCRA sect 605 ( c ) running of the reporting period.
I took out XXXX Parent Plus loans for my daughter back in XX/XX/XXXX. Over the years payments have been made regularly and I am currently up to date. I sought to renegotiate the terms of these loans because I am now older and can not afford to handle the repayment costs that are about to escalate on XX/XX/XXXX. I am currently paying XXXX for 18 months on XXXX loan, which will drastically jump to XXXX on XX/XX/XXXX. The XXXX loan is at XXXX for 17 months, then it will jump to XXXX on XX/XX/XXXX. This was the only option that Navient Loans would give me. I recently read about a lawsuit about this organization making it hard for people to repay such loans and as a parent who helped his child to have a college education, I will not be able to handle this increase next year. From XXXX per month to XXXX per month for 6 years. I was given no other option but to call back in XX/XX/XXXX to try to get it lowered. I am trying to be proactive and receive help and guidance. Thank you.
On XX/XX/2018, we received a letter in the mail from Hillcrest Davidson in reference to a potential debt owed to a home security business. My husband contacted Hillcrest and asked to speak with the person who's name was on the letter ( XXXX XXXX ). XXXX asked my husband who he was and who I was then proceeding to ask why we did not pay our bill. My husband told him that he did not owe the bill. XXXX proceeded to threaten my husband saying that we would pay the bill and threatened to put it on both of our credit reports. He was very unprofessional and upset my husband with his threats. 

When my husband called and asked to speak with a manager, he spoke with XXXX 's brother who is also the manager. He told him the only way to stop that from happening was to get a letter from the creditor stating that we did not owe the debt. There was no apology for the threats. Only reassurance that it could happen again.
There are 2 collection accounts on my report that are not mine. I have asked for verification of the accounts multiple times and the response I get is they have " validated it ''. I have sent several letters asking for verification of accounts in accordance with FCRA. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information which can not be verified. '' I have requested that the collection accounts : XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX Acct # XXXX to be verified. I would like to see proof that these are indeed my accounts, which I adamantly believe they are not. I would like them removed as it is my right under the Federal Law
To whom it may concern, I applied for a modification and was approved stating that a response must be received by XX/XX/2018. I was put on a trial payment plan which is {$1000.00} for three months. I asked that after the three months would my mortgage then drop to a lower payment, and I was told no it would remain the same. I have a hardship, and I am trying to keep my house out of foreclosure, so if you can help me I would be most grateful. I am on a budget and I can't pay this amount.
I opened my first complaint on XX/XX/18, and the issue has yet to be resolved, despite two complaints being closed already. The mortgage servicer claims to have not received a payment sent through my bank 's billpay system on XX/XX/18. I provided proof that it was sent by the bank, and my bank did a trace and determined that the servicer never cashed it. On XX/XX/XXXX, the payment was reissued and a stop payment was placed on the payment that the servicer could not locate. I was assured that the negative information would be removed from my credit report and that everything would be resolved, and as of today nothing has been fixed and I am still receiving collection letters indicating that I have missed a payment, although I have provided XXXX  's with proof that every payment was sent. They have failed to correct this in a timely manner, resulting in an inability for me to obtain financing needed for my business based on false information provided to the credit reporting agencies.
XXXX XXXX, 2015Federal Trade CommissionXXXX XXXX XXXX, XXXX, XXXX XXXXDear Sir, My name is XXXX XXXX XXXX This correspondence is in regard to unfair, unethical and potentially criminal activity on the part of XXXX, a U.S. online travel agency and its vendor, XXXX XXXX. 
On Monday, XXXX XXXX, 2015 I attempted to book a vacation package to XXXX, XXXX for XXXX XXXX XXXX, 2015. The reservation was supposedly not approved by my XXXX credit card issuer ; XXXX XXXX or XXXX debit card issued by SunTrust Bank although funds were available with both institutions. Surprisingly I had several pending charges and subsequent hold on funds with the XXXX credit card ( XXXX XXXX ) and XXXX debit card ( SunTrust ). 
I do not understand how XXXX and its vendor ; XXXX XXXX, can place charges to consumers accounts thereby freezing assets for goods or services not provided. As of XXXX XXXX, 2015 XXXX and XXXX airlines are illegally holding close to {$3000.00} of my money. I am requesting an immediate release of pending charges on my accounts : XXXX XXXX XXXXSunTrust MasterCard XXXXIn addition, I am demanding financial compensation for lost wages, loss of use of funds, increased vacation travel costs, stress and anxiety. Please contact me at XXXX ( h ) XXXX ( o ) or XXXXXXXXXXXX to resolve this matter in a timely and suitable fashion. Thank you. 


XXXX XXXX XXXX : XXXX XXXXSunTrust BankConsumer Financial Protection BureauXXXX XXXX XXXX
I have had PNC checking for a few years and they are typically receptive to disputes. In this instance, my checking account was billed a day early by a utility provider ; however, I was billed for two Overdraft fees on XXXX.XXXX.2018, in the amount of {$36.00} each, for insufficient funds. HOWEVER, today, the transaction which caused the funds to be low, is still showing as pending and my deposit of {$2100.00} is available. I have plenty of cash in other accounts that I could have deposited into this account to cover the early charge ; however, my email alert did not get sent to me until XXXX Eastern. I feel like that that defeats the purpose. I have made this argument before. What is the point of an alert if they do n't come out until after someone is asleep. I feel like that is a deceptive practice in order to gain additional fees from customers.