WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX I applied for a Student Loan with XXXX as a Cosigner for my daughter. The rate I received was quite high ( around 8 % ). I asked that if I paid down my student loan and re-applied could I possibly receive a better rate. They said yes, so on XXXX/XXXX/15 I paid a substantial amount towards my student loan ( XXXX - XXXX ). The following week I called TransUnion to see if my record had been updated. I was informed that no and I called XXXX back and it was suggested to me to put in a dispute with the credit bureau to try and make the process go faster. I put in a dispute with the Credit Bureau on XXXX/XXXX/15. I was also informed by XXXX that the balances would be sent for electronic update on XXXX/XXXX/15. I was assured by Transunion that because the amounts would be sent electronically, they be updated immediately. I called TransUnion on the XXXX and XXXX of XXXX and the amounts were not updated. I called XXXX and they assured me that the new amounts were transmitted on XXXX/XXXX/15. On TransUnion 's end though, they showed the new amounts were not transmitted. I talked with managers at both TransUnion and XXXX and neither parties were willing to talk with each other to resolve my issue. In the mean time, I am late on paying my daughter 's student loan ( it was due XXXX/XXXX/15 ), I am stuck with a loan application with a high rate, and my options for recourse are barred by both XXXX and Transunion. Please help. My daughter really wants to go to school and give back to society and it would be a shame that she is held up from doing so because of this financial quandary I am stuck in as her parent trying to help. Thank you.
I allege Portfolio Recovery Associates , LLC ( will be further referenced as PRA, LLC in this complaint to save space ) has violated several provisions of the Consumer Financial Protection Act of 2010 ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), & Telephone Consumer Protection Act ( TCPA ) and which may include other violations not included in this complaint due to limited space. 
I am unable to attach the following document into evidence but would like to submit into evidence the United States of America Consumer Financial Protection Bureau Administrative Proceedings File : XXXX Consent Order Filed XXXX/XXXX/XXXX in evidence as supportive evidence into my complaint claim. 
First, PRA violated 15 United States Code Sub Section 1692c by several calls using an Auto Dialing Call System at inconient and inappropriate times to include during family members hospitalization and funerals despite being told numerous times to quit calling my cell phone ( TCPA ) which is also a violation of Section 805 ( a ) ( 1 ) of the FDCPA. 
I allege, PRA would call in excess of 4-5+ times a day even after requesting to cease all calls via my cell phone. Those requests were not followed through and would be used as form of harrassment. FDCPA is a law that clearly states out provisions preventing debt collectors from calling at " unusual '' or " inconvenient '' times and can be supported by Cell Phone Record History that is time stamped. 
Secondly, I allege PRA violated several provisions in the Consumer Fincial Protection Act ( CFPA ). PRA engaged numerous acts of " unfair, deception, or abusive act or practices '' of the CFPA 12 USC Subsection 5531 & 5536 ( a ) ( 1 ) ( B ). PRA would never despite even recent requests to dispute, challenge or call into the question of the validity of the alleged debt in question, PRA would never provide ANY documentation correct or incorrect to validate the debt but still would misrepresent the account on Credit Reports as an active, revolving account with PRA in attempts to collect the debt. Reporting inaccurate information is unfair, deceptive and an abusive act of using credit reports in a false manner in order to harm consumers and influence them to pay a debt despite never having that alleged debt dispute validiated. PRA representatives would also allege/threaten legal action if not paid by a certain date ( Several subsections in Section 807 FDCPA 15 USC 1692e here. PRA also engaged in many other forms of false and/or misleading, deceptive acts or practices in violation the the Sections 1031 ( a ), 1036 ( a ) and many others provided under CFPA 12 USC Subsection 5531 ( a ) 5536 ( a ) and others. 
I request that PRA ( 1 ) follow ALL requirements in the Consent Order, ( 2 ) immediately cease all debt collection practices to include the deletion and removal all credit reporting agencies ( 3 ) communicated via mail or via CFPA response within 15 days ( 4 ) the Repayment of and Eligible Restitituion afforded to me from PRA acting in so many violations in accordance to the law or specifically spelled out in the XXXX Consent Order. I submit my complaint to be true to the best of knowlege.
: CAVALRY PORTFOLIO SERVICE & XXXX XXXX XXXX Account # XXXX {$370.00} Account # XXXX {$410.00} In a recent review of my credit report, I noticed that this company has placed an erroneous and derogatory entry, claiming that I owe {$370.00} & {$410.00} I have no account with them, nor have I ever. The account number referenced above is all the information that I have concerning this alleged debt. Since ( XXXX XXXX ) ( CAVALRY PORTFOLIO SERVICE ) i believe are the same companies saw fit to place these item 's on my credit report, they obviously have all the information they need in order to investigate and correct there error. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay these debts, and there is some contractual obligation which is binding on me to pay these debts. Please also be aware that a sworn affidavit from there compliance officer does not constitute a valid validation of these debts. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all telephone collection. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. 

I also hereby reserve my right to take private civil action against you to recover damages.
I returned a leased vehicle 2 months early with full payment for those 2 months. I was not informed that there would be an early termination fee ( which I feel shouldn't apply. since, I was not so much terminating the lease as I was completing payment obligation ). In any case, I agreed on a settlement amount ( 1/2 of fee ) and paid as requested on time. since that my credit was reported as delinquent and reduced to " bad ''. I called them and they agreed that it was an oversight of theirs that they would correct. My credit did improve after that with 2 of 3 agency 's that I monitored using XXXX XXXX as an indication. However, I was just informed by my bank while trying to apply for a refinance of a loan that Experian still shows me as delinquent. It has been nearly 1 year since this started and I feel I have been hurt financially repeatedly over months for their inaccurate reporting. And the fact that they were informed months ago and still have not corrected, leaves me feeling bullied. I hope you can help in this matter. I can not afford this. 
XXXX XXXX ( XXXX ) XXXX
My boyfriend wanted a French bulldog, he found one on  XXXX. I was skeptical but due to the fact his birthday was on XX/XX/XXXX, I gave in. On XX/XX/XXXX I initiated the payment for the French bulldog on Chase XXXX XXXX for {$400.00} then an addition {$200.00}. The price of the dog was {$600.00}. I am a XXXX  and keep cash on me. I had {$400.00} in my bank account and had to go to the ATM to deposit the rest of the funds. Following the payment the seller sent me a tracking number which seemed to look legit however when I called the agency that was supposedly shipping the dog it was a XXXX  number. I told my boyfriend, but he still wanted to follow through. As the dog supposedly had reached XXXX XXXX XXXX airport being flown from XXXX the agency shipping the dog emailed me saying they needed {$550.00} for an AC ventilated crate. The dog could not fly without it and upon the dogs arrival I would be refunded my {$550.00} back. I sent the {$550.00} and have not heard from the agency nor seller. I called the seller numerous times to now figure out he was calling me off of a XXXX XXXX app number. He always answered the phone so Id never heard the voicemail. I went inside the bank report fraud and the bank representative I talked to called the claims department. I was told that XXXX does not have buyers protection so there is no way I can get my money back. The banker still told me to file a claim so its on record and to see what they said. I filed and they talked to the sellers bank but he had already closed the account so they could not recover my funds. I was left with no solution of getting my {$1100.00} back.
On XX/XX/XXXX, I received an alert from XXXX that a collection account was listed on one of my credit reports by Perfection Collection in the amount of {$4000.00}. On XX/XX/XXXX, I submitted a dispute with the Better Business Bureau requesting that Perfection remove the trade line from my report because they are not licensed to collection debts in the state of Maryland ( verification is attached ). This company is not lawfully able to collection on this alleged debt from XXXX.
Well, i have been with Paypal for some years now. However, i have being charged for things i did not authorized. nevertheless, i was scammed with paypal and they seems not to do anything when i brought the issue to them. They are charging me bills for paypal credit and somehow sellers account that i never had or used. Therefore, i want my funds be refunded because when i tried to contact them again, my whole account changed to XXXX meaning that i can not use my account along with the money in it because i dont understand or speak XXXX. 

XXXX on the other hand, is a fraudulent organization that tries to reap everyone of their money. I traded in some books i bought from XXXX for gredit to my account. However, i was charged separately and keeping the gift card i earned and tried to sell it back to me and charged me for everything i bought with my gift card. 

My name is XXXX XXXX, my email is XXXXXXXXXXXX or cell : XXXX. XXXX to hear from you guys soon.
I have been trying to get proof of a life insurance policy that Bank of America was debiting my checking account for {$650.00} a month for 10 months. When I spoke to the branch manager they indicated they could not provide proof and that they would not refund my {$6500.00} that ( stole ) from my account. There is also a credit card with them that we have also addressed as trying to get settled and they will not respond. I finally had to retain counsel to get this resolved and even with my attorney reaching out to them they will not respond.
Transworld Systems , Inc. assumed debt from XXXX XXXX XXXX XXXX XXXX. I questioned the amount of debt and requested confirmation of the debt. In XX/XX/2017, Transworld notified me that I had 30 days to set up a payment program through them, or they would garnish my wages. I sent them correspondence within the 30 day time limit requesting to set up a payment program, but they garnished my wages anyway, with no notice to me that the garnishment began. I became aware of the garnishment in the change to my paycheck, from which they are withdrawing about {$400.00} from each check. 

I also believe that they initiated collection and garnishment on this debt during the time frame that the federal court froze their collection practices during XX/XX/2017federal litigation against them. 

My file number with Transworld is XXXX. I am attaching correspondence with postmark showing I sent a timely response to their request within the 30 day limit they imposed on my account. I additionally called and left messages for them to contact me within that 30 day window of time, and they failed to return the calls, choosing to garnish instead.
I have a parent plus loan I obtained for my son around XX/XX/XXXX. I am confused as to exactly what kind it was now, but it was for {$25000.00}. I made monthly payments faithfully beginning after his college graduation in XX/XX/XXXX. In XX/XX/XXXX I filed bankruptcy, but it was never confirmed and therefore dismissed in XX/XX/XXXX. After the dismissal I called the loan company ( XXXX XXXX ) to inform them I wanted to resume payments. The account is now with Navient. This company says they have " no record '' of payments prior to XX/XX/XXXX when they received the account. 
I called Navient at XXXX on or about XXXX XXXX, XXXX. The representative told me had to send PROOF of payments. I did, as payments were verified by the bank manager and properly stamped. I mailed an accompanying letter to Navient to the address they provided requesting a balance review and reduction. I have made XXXX calls and nothing has happened. All I have been sent is their " payment history '' which only goes back to XX/XX/XXXX!? 
That is not what I asked for. I have the requested proof of payment all the way back to XXXX. What is the problem? 
This loan is grouped with other private loans through XXXX XXXX that I began repayment for in XX/XX/XXXX. I could not check both boxes at the top but all are/were consolidated and grouped together now with Navient. Why have n't my previous payments been included as far back as XX/XX/XXXX? I want my balance adjusted reflecting all past payments back to XXXX XXXX. I have provided the proof!
I applied for the Citi Bank credit card with XXXX XXXX. I received an immediate approval and was sent a notice of approval in the mail on XX/XX/2019. I never received my card in the mail. After getting an email from Citi Bank stating that I should have my card by now and activate it, I called them because it had not arrived. They told me that it had been sent to the wrong address and that a new card would be expedited to me by XXXX arriving in 1-2 days. On the evening of the second day I contacted Citi Bank as the card had not yet arrived. I was then told they aren't allowed to expedite cards and that they could not give me my account information to book the trip I originally got the credit card for. I was told that it would be another 7-10 days to receive my card. Waiting for this card to book my trip has already cost me over {$300.00} as everyday I put off booking, the trip becomes more expensive.
Experian is reporting recent late payments on an old XXXX XXXX XXXX ( acct # XXXX ) that has been closed since 2014. How can this be possible. The account was paid and closed and the date of last activity was in 2014. The other bureaus are reporting the account accurately but Experian is NOT. This error is HIGHLY impacting my credit scores. Correct these errors immediately or delete the account off my credit file!
I signed up for a new credit card and was promised XXXX bonus points for doing so. I have contacted the company on 5 different occasions and have been promised that this would be taken of. My last call on Saturday XXXX XXXX I was assured that a supervisor would contact me but no one has called me to try and correct this problem. I feel as though no one is ready to do what is right by their customer.
To Whom it may Concern : XXXX XXXX XXXX  XXXX has posted a account to my credit report that has been reported as XXXX XXXX XXXX XXXX in the amount of {$710.00} on account XXXX. This attempt at EXTORTION and DEFAMATION is a bad business practice. I sent of a copy of my police report for Identity theft to all 3 major credit bureaus and XXXX XXXX thru XXXX XXXX via XXXX XXXX   for account # XXXX for {$710.00}, which was closed and removed. So XXXX XXXX XXXX XXXX  or Receivables Performance sold that account to XXXX XXXX XXXX  XXXX in a attempt to Extort money out of me for an account that was proven not mine. The account in question also reappeared on my credit report and did damage. There has to be something illegal about what XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is doing. They figured if they had {$1.00} no one would notice their TREACHERY, This account needs to be removed ASAP before it does anymore damage. XXXX   XXXX has a copy on file of my police report and other documents I mailed to them referring to this account as XXXX XXXX {$710.00} with was deleted. It's clearly that these accounts are one in the same so why was it reposted under a new collection agency name. This is SHAMEFULL and incompetent on Transunion 's part and needs to be fix ASAP!! Thanks in Advance.
I recently checked my credit score and I have a debt on my report of XXXX for common wealth which when I looked it up it is a collections. This does not share anything in common with any of my other debts after reviewing my scores and would like it to be discharged.
Citibank sent me a notice of closure for an account I had with them since 1995 ( 20 yrs ). It stated to cut up any cards I had in my possession and notify any card users of the closure. They did not send prior notification stating the account would be closed and give me a chance to take action to keep it open. The account is one of my oldest trade lines and this closure will cause harm to my credit score. It 's unfair and I should have been given at least 30 days prior notice. They stated in order to re-open the account they need to pull a new credit report. This is underhanded and unnecessary. My credit was good enough for a XXXX limit 2 weeks ago and nothing has changed so this action is just a ploy to change the agreement from prior years. Pulling a new report will cause harm as well to my credit score. They admitted if they closed it in error it could be reopened without a " rescore '' or pulling of credit. This practice is unfair, deceptive and abusive.
I have always paid my bill online every month with a bank and they always show that they receive my payment however, in 30 days sometimes they will send me notice that they never received the payment even when the website says they did. This has caused multiple late pays to show up on my report by no fault of my own.
I received a bill. Paid it on XX/XX/2018. Mailed it on XX/XX/2918. Posted on my bank statement on XX/XX/2018. Received next bill in XX/XX/XXXX. On that statement, I was charged for the same amount again + a {$2.00} interest charge. I paid the total charges for both months, because I did not want my credit to be ruined. Paid total charge on XX/XX/2018. I gave the company a few days, to see what would happen. Called the company 's consumer number about the disputed billing. Was told that complaint dept. was not available. Called on XX/XX/2018, talked to complaint person XXXX. Would not listen, said that the fees + charges would stay. Asking for Help on XX/XX/2018. I do not want my excellent credit score to be tarnished.

I cancelled my card at XXXX XXXX on XX/XX/2018. Total amount in dispute is {$12.00} + {$2.00} in interest charge.
In XX/XX/XXXX XXXX reported my student loan account ( s ) Federal and Private, over 30 days past due for my XX/XX/XXXX payment. I received a notification from one of my credit cards and immediately called XXXX to inquiry and dispute. The XXXX representative confirmed that she did not see my XXXX payment paid after 30 days. She advised that I would need to write a letter to have it reviewed. I followed instructions and wrote a detailed letter. XXXX responded by advising there was an error back in XXXX that they would adjust, but nothing for the XXXX reporting. I've worked hard over the past year to keep my account current and that negative mark reported in XXXX dropped my score by 30 points. I need my account payment history reviewed from XX/XX/XXXX through XX/XX/XXXX and updated correctly. 
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I had a medical bill on XX/XX/XXXX from emergency room that I didnt know about and never received anything in the mail. The debt went into collection in XX/XX/XXXX I came to find out about after it went in collection and paid it off approximately by XX/XX/XXXX-XX/XX/XXXX that year. 

The collection company that had the debt was ( Transworld Sys Inc/33 ) Attach you can find my credit report and see page # 3 showing account was closed.
I made a wireless transaction through my checking account ( TD Bank ) on XXXX XXXX 2016. The money was not transferred to the recipient, it is 2 months since. There was an error in the account number but the bank name, branch, address and name were correct. TD bank has not been able to return the money back to my ( sender account ) or provide a resolution in a timely fashion. TD bank did not pursue this matter, and the only time they get in touch with me ( customer & initiator of wireless transaction ) is when I call or see them at the bank.
I have disputed the late payment XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
My original debt was {$19000.00} in XXXX  after XXXX of paying the minimum payment of {$130.00} remaining balance is {$16000.00}. It shows a difference of {$2300.00} which only went to interest ... ( USURY ). 
On XX/XX/XXXX they raised the minimum payment to {$400.00} without notice of increase or phone call.

I called Navient customer service XX/XX/XXXX at XXXX XXXX eastern time and complained about the unannounced increase and only received offers to other payment plans that only lead to the same results of not ever paying down the principal.
There was a computer glitch in TransUnion system that deleted all inquiries from my TransUnion credit report. This problem was TransUnion and not caused by me or any actions of mine. This glitch happened in XX/XX/XXXX and also in XX/XX/XXXX. TransUnion then later added all the inquiries back on my credit file without giving me the legal required written notice of 5 days prior to re-adding them to my report. I contacted TransUnion on XX/XX/XXXX in good faith to ask them to delete the inquiries that they illegally re-added. The representative would not remove the inquiries even though he admitted that the glitch happened. These inquiries bring my credit score down and add a hardship to my credit potential. It is clearly a violation of my rights by TransUnion and a clear disregard of protocol. Please help in stopping TransUnion from victimizing citizens. As a resolution I am asking that TransUnion delete all inquiries from my credit report permanently due to the violation that took place when they were illegally added.