WillisBack/dataset-financial-user-claim huggingface dataset:
portfolio recovery XXXX is calling me trying to find someone else and wants me to relay messages. They call me everyday. Its not my issue or my problem they are harassing me over someone else old debt. When they call they ask if so n so is there when I say no they hang up. Today I called them back and told them no one lives here by that name stop calling me. But every single day they call same thing over and over again. I tried blocking their number then they use a different number to call me.. Its like non stop ... 
XX/XX/2019 XXXX I dont have all the numbers they call on. but its everyday
I wrote a letter to Procollect asking to verify and validate the debt as it is my per the FCRA. it seems as if no investigation was carried out. they sent me a letter back " typed word document '' that simply said I owe XXXX dollars demanding that I pay immediately. I then called and asked questions on having the correct documents sent to me they need to have on file to collect a debt from me per the FDPCA ad the FCRA. 
after being hung up on twice I was finally told by the supervisor that the do not have the documentation. But they continue my try and make me pay and its on my credit report. 
they are In violation of federal law.
I have noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX credit file dated XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX onXX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX Email : XXXX XXXX
This is for Bank of America credit card. The dispute case ID is XXXX. On XX/XX/2016, I purchased a {$400.00} XXXX gift card on XXXX using the credit card. Upon receiving the the mail, it was just a piece of paper with numbers in it. I tried to use it in the store, it was showing {$0.00} balance. I was scam by the seller. I dispute the charge with the credit card company. It came back few months later denied the dispute. I want to appeal the dispute, however they refuse. They said I need to have XXXX to have a statement showing where and how the gift cards were used. XXXX will not give that information out. Only the seller who if he/she have the receipts for the gift card can have that information. I do not have that information as I am the buyer. Bank of America does n't care. They would n't do anything. Bad company! This need to be adjust!
Experian seems to have different responses everytime before that they stated they needed the data furnishers information and now they are stating they refuse to add the cporrect information on case ID XXXX? This is the 4th complaint against Experian and every response from Experian has been documented on my side, the initial complaint was based on my credit score dropping 20 pts, me being removed from Experians special status customer service for consumers who have attorneys write to Experian and why an authorized account was not being recognized by Experian. As I a XXXX XXXX XXXX XXXX, I know my credit rights and I am versed in XXXX XXXX. Experian requested that I consultant with a credit expert and or banker to have them explain my credit drop of 20pts, in which I consulted with my peers in XXXX, they were as confused to see that my credit score had dropped 20pts for no apparent reasons, the responses from Experian have been shall we say, deceptive to the point of ignoring the request for an explanation of the credit score drop. I would like to have Experian explain why I am on a special status list for consumers? It requires time and different agents to speak too about my credit profile with Experian. Again, I am I a XXXX XXXX XXXX XXXX, I know my credit rights and I am versed in XXXX XXXX, and I will use the full extent of my legal rights to protect and get my credit profile fixed according to The Fair Credit Reporting act. On complaint XXXX Experian has stated erroneous and false statements and it seems who has responded is not versed in credit laws or credit rights, My attorney provided Experian with recent XXXX information pertaining to this authorized user account, while Experian is using old outdated account information from XXXX, which again they are ignoring information from the data furnisher XXXX from XXXX, they have requested this information on complaint XXXX and they will review it. My attorney provided this information on the 1 st legal letter that was sent to Experian, I have provided this information on complaint XXXX and XXXX from the data furnisher XXXX that they report to the 3 major credit bureaus, perhaps Experian would like to explain their actions under a legal court hearing? As I have stated before I am I a XXXX XXXX XXXX XXXX, I know my credit rights and I am versed in XXXX XXXX. Attached again for the 4 th time is the data furnisher XXXX that they report to the 3 major credit bureaus, all responses on my credit profile are again being documented and will be researched according to The Fair Credit Reporting act. Thank you XXXX XXXX XXXX Correspondence Mail : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX, Az XXXX
On XX/XX/XXXX my credit report showed XXXX collections, on XX/XX/XXXX my credit report from transunion showed XXXX collections. The following day it updated to XXXX of the collections that were previously on there before it went to zero being re insterted. This is a violation of my rights and against the law to reinsert information without a 5 day notice. This never happened. I 've attached supporting documentation via XXXX my credit reports before the incident when it happened and after. reinserting them without writing a letter 5 days prior to reinserting them then they are breaking the law so they have to remove those collections and send an updated report
Sallie Mae continued to contact my wife 's phone number after I specifically asked them to remove the number during a phone call regarding the student loan on XXXX XXXX. I had called them on this date to settle the account and attempt to pay in full. Between the dates of XXXX XXXX to XXXX XXXX, they contacted her at least 27 times, and again on Monday XXXX XXXX, she asked them to stop calling her. The evening of XXXX XXXX, I paid the account in full online and since the harassment has stopped.
On or about XX/XX/2018, I discover throughout a credit report alert that my credit score went down from XXXX to XXXX, that also I was behind more than 60 days with my closed credit card business account with CHASE BANK ONE CARD. 
I closed this above account on XX/XX/2018 with XXXX owned balance. 
I closed it because of multiple charges of XXXX XXXX insurance that I did not authorize. 
This account is a business credit card opened with a Tax ID number. 
On XX/XX/2018 my new payment due was XXXX and the account was closed.See exhibit 1, also the unauthorized two payment transaction to XXXX XXXX were refunded to me. 
On XX/XX/2018 CHASE BANK ONE CARD SERVICE report for the first time to the three credit bureaus XXXX  XXXX  AND XXXX  a 120 days plus overdue account referred to collection with the amount of {$510.00} for a bogus payment to XXXX XXXX, plus fees, for a non existent payment that XXXX XXXX did not receive at all and was not authorized by me and it was already refund it back to the account in two previous occasions. 
On XX/XX/XXXX to avoid collection and further credit score damage, I paid the remaining bogus balance knowing that It was a fraudulent collection and late fees. 

I demand an investigation.
I was a student of XXXX College whose parent company is XXXX Colleges between XX/XX/XXXX to XX/XX/XXXX. XXXX has shut down due to issues beyond my comprehension. Upon signing up for XXXX, I was told that I would be getting lifetime job placement through the program and other various promises. While in school, I had exhausted my federal loans. In order to continue, they told me I needed to sign up for private loans. Now that I 've been out of school, the interest and the amount of loans are affecting me financially. I 'm afraid to default on these loans as I 'm aware that it could ruin me financially. I just recently lost my job and have never been unemployed for more than a decade. I 'm seeking for a refund and reduction to these aggressive loans as the financial office made an ultimatum that if I did not sign up for the student loans, I could not finish. After hearing that XXXX would shut down, I asked the Dean whether the school would shut down or not. He said no and to continue my education. I know I 'm a little late on filing this complaint, but the form I had previously filled out was strictly for my federal loans only. I 've been doing this all on my own and no longer have access to documentation to my time at XXXX, other than my statements from the Private Loan company. It used to be genesis, but then it got moved to University XXXX. Please help and advise.
Chase credit card services charged me a {$15.00} late fee before my bill was due. When going to pay my bill via phone on its due date, I was told my amount due was {$110.00} instead of the {$99.00} it should have been. Looking at my statement on my phone, I noticed a late fee charge. I asked the person on the phone what this was for and they said for paying my bill late. The lady on the other end got unpleasant when I questioned this tactic and how could they bill me for a late fee if it is being paid on the day it is due? Upon notifying them via online about this issue they credited it back to my account, however they did nothing to resolve the issue on why this happened.
My husband and I live in XXXX mn our current mortgage is with HSBC and we just received a letter from them stating our mortgage is being transferred to XXXX XXXX XXXX. Our mortgage is current and up to date. Why is this happening?
1. This company Convergent Outsourcing falsely misrepresented in their call saying it was XXXX, trying to collect {$170.00} XXXX owed.In a letter to me XXXX, it lists XXXX to pay or by credit card. I called XXXX & clarified that there is no debt of {$170.00}. 
2. A few days later, this same company called with an automated message to XXXX XXXX " from the District Attorney 's office with pending charges & should contact this office at once.You have been notified. '' I was terrified & immediately called that number. The same scam from Convergent Outsourcing regarding collection of {$170.00} due XXXX. 
These calls began the day after I called for a free credit report from all XXXX agencies. I received my XXXX reports & have nothing negative, only my fairly new XXXX transactions, which are favorable. 
I have made XXXX aware of this scam so hopefully, they too will file complaints against Convergent Outsourcing. In my opinion, this should be turned over to the legal authorities as a misdemeanor or even felony. 
Convergent Outsourcing , Inc XXXX, WA XXXX XXXX
My name is XXXX XXXX XXXX. I recently disputed Civil claim judgment by XXXX XXXX XXXX IN THE AMOUNT OF {$9200.00} that appears on my credit report with Experian only and requested that I receive a legal and throughout investigation into the matter to have it removed from my credit report. They failed to provide me with any of the methods in which they claim to have validated this item and I am extremely concerned and afraid that I may not have a rightful resolution to my problem. Civil Judgment XXXX is illegal reported in the public record of my file. This item was expunged from my records following Federated Financial 's failure to appear in court and the XXXX Judge withdrew the suit against me as it was never validated or owed. Another concern I had was that the claim amount was severely inaccurate and exaggerated. The settlement outside of court was under the sum of {$2000.00}. 

I asked Experian to kindly look into this matter for me and delete this item, as it is greatly affecting my interest rates and approval odds with financial institutions, and they validated it somehow and kept it negatively affecting me in a letter sent to me XX/XX/XXXX. This public record item is not legal and it is not valid and was withdrawn by a Judge and its contents were never open and satisfied outside of court. There has never been an judgment against me XX/XX/XXXX nor have I any records proving this myself. 

What has affected me the most is that I received no documents nor any proof of any investigation as requested in my letter, which I have attached. I specifically wanted to see what Experian was seeing and there is nothing that has been provided besides a number XXXX-Please call this number yourself. there is absolutely no dial tone and it can not even been found in their database catalogue. 

Please, Experian, remove this invalid judgment from my records this is not proper investigating and this is not a legal item and can not legally be reflected under my social security number with your company. The address provided was also incorrect and I have no idea how and when and by whom this public record item was verified. Please remove it promptly, it has now been 25 days since the receipt of this letter and I will not wait any longer for any more investigations. 

I have attached my disputed letter, my recipe and their response to me in hopes of asking Experian again to please remove the item which is not valid nor viable.
This debt collector placed negative information on my credit report without notifying me. Furthermore, since this debt collector has not validated that they are legally entitled to collect the debts they have listed, they are RE-AGING accounts listed on my credit reports in an effort to keep them there longer.
Ok my name is XXXX I 'm not XXXX that 's my sisterlaw by marriage and some accounts doe'st belong to me
Today XXXX/XXXX/2015, I was instructed by XXXX to conference them in with First National Collection Bureau XXXX Inc. to confirm that I paid my agreed settled amount of {$230.00} in full. The First National Collection representative, XXXX XXXX, confirmed that the debt was paid in full, but went on to say, to myself and the XXXX representative, that I need to pay more than the settled amount. Is this legal for First National Collection to request more money, especially since this disputed debt exist due to XXXX attempts to bill for an additional service that I never asked for?
I recevied a call on XXXX XXXX, XXXX, stating that i owed on a payday loan from XXXX. The name of the company was High Point Asset. The customer service preson told me that I had an outstanding payday loan balance from XXXX that I did n't pay. I have taken out payday loans in the past, but they were always paid back via my bank account within weeks. The peron advised me that I owed XXXX and that it steams from the original amount of XXXX that I owed on the payday loan as it was purchased by different companies. The person told me that they have tried serveral times to draft this money from my bank account, but they stated that my bank account was closed. Which is true, I closed a bank account in XXXX of XXXX. They told them I have always paid my payday loans back and i have only had payday loans with the company XXXX XXXX XXXX. I do recall apply for a different loan with a different company, but I never completed the application. The person told me that it could be from that application. I did ask for proof of the debt, but was advised that the company tried to contact me via email and that they do n't contact people by regular mail. They also told me if that if i didn ; t accept the debt that they would put me as refusal to pay. I did tell them that I would pay the debt, although I do n't think that I did n't believe that I owed them any money. They wanted to set up a payment plan for me to pay just XXXX of the debt as they would knock off XXXX from it if i entered into a payment program. I did agree, but something didn ; t feel right, so I ended the call. No new banking information was given to them. I contacted my bank to pull my transaction records during this time period for verfication. I was told that if i went court with my bank reocrds it would not hold up in court because the funds could have been given to me in cash. I have never received a payday loan in cash before.
On XX/XX/XXXX I have made a complaint to the Executive office of Chase Bank phone number XXXX. They in turn sent me documentation to fill out for a loan modification. I received the paper work on XX/XX/XXXX and I have filled out the necessary information and have faxed the documents to Chase Bank but in the meantime I received a letter on my front door on XX/XX/XXXX that the house is going for Sherriff Sale on the XX/XX/XXXX. I am in the process of a modification so how could they put my house up for Sherriff Sale. Chase Bank needs to Stop the Sherriff Sale as I was not even entitled to attend the mediation as Chase advised that the house was vacant since XXXX. I have lived in this house since XXXX. Chase is a very hard bank to work with. They assigned me a Relationship Manager by the name of XXXX XXXX who can be reached a XXXX, who number one I can not understand and is not very helpful at all. I requested another relationship manager and I was denied. I'm not understanding as to why I received paperwork for a modification and a Sherriff Sale Date. I want to do is keep my home. Circumstances have changed and I will be able to afford the house. I want Chase Bank to Stop the Sherriff sale dated XXXX immediately Court Case # XXXX XXXX Sherriff # XXXX
On XXXX XXXX, XXXX I signed contract to purchase a home for {$120000.00} and this is what happened : This house and approximately XXXX others are all built on the wrong lots and I am in litigation because I have been evicted from my own home. The problem came in XXXX when a survey was performed that set an entire area of the plat off at least XXXX feet to the west. My house is built XXXX feet to the east across the street from the actual property. The deed states Lot XXXX section XXXX, but the house it built on Lot XXXX section XXXX. I paid a surveyor to survey this area and all he did was pull the old survey and stamp it and never went out to the property otherwise he would have known it was the wrong lot. Further digging into this due to the eviction lawsuit, the county knew that the survey was off based upon a letter written in XXXX, but still issued building permit for my house in XXXX. I have been trying to work with the mortgage company, but I am in default of the loans I have already paid thousands of dollars and down payments for a house I will not own. The title policy refuses to pay based upon the exclusion of the survey, but have agreed to represent me in the eviction case, the present mortgage company just had the loan pulled from investments because it was in default and forced the original loan company to take it back because it was more than clear to them that this is a faulty loan. This is all unfair and unjust to me as a consumer that I have to pay for something that is clearly not mine. Now the original mortgage company who retained the loan is threatening me. My credit is being ruined I had good credit, but now because of this I am being ruined financially. I want restitution for this loan I paid for due diligence I did everything right I paid for a title search a survey, etc. and I am the victim. The owner of the land clearly wants the house the judge has n't ruled on eviction because it is so complex with the other XXXX homes, the county is involved, multiple builders, multiple title policies, multiple surveyors, multiple banks, mortgages and an unbelievable amount of issues. No one knows what to do it will be in litigation for the eviction for years. Ca n't file lawsuit until eviction is final meanwhile my credit is destroyed and I will never own this house and foreclosure is threatened on a house the bank does n't own. I have all the documentation to prove this I want to be discharged from this debt the original mortgage company is at fault by providing me with a untrue faulty loan on a house that I do not own.
XX/XX/2016 I received multiple phone calls not only on my cell phone but my place of employment. Not only was I being harassed by this debt collector, but my employer/HR team was harassed by XXXX XXXX! During my second conversation with XXXX XXXX she started harassing me telling me " I heard about you ... '' which I am guess she had a talk with " The management group '' before contacting me. Not one phone call was XXXX polite nor was she professional. After multiple times asking her NOT TO CALL MY WORK, she continued to do so, being very unprofessional, Rude, disrespectful and threatening me ( As I stated before saying " She heard about me, or she was ( warned ) about me. '' Also telling myself and my HR team that they " legally have to give all of my information to her. '' If this is not harassment I do n't know what is. Since then I have not heard from this debt collector so I am guessing this debt has been dropped.
I had a student loan with ACS/XXXX XXXX that was sold to XXXX. The loan is now reported on my credit report twice. It is in good standing and being paid through XXXX, however, it shows an unpaid balance of XXXX due to ACS/XXXX XXXX and also says it is in deferment. I have tried to contact ACS and they told me to contact XXXX, XXXX said it is an issue with ACS. ACS has had thousands of complaints about incorrect reporting and I would like to figure out how to get this off my credit report.
I was charged a late fee for no apparent reason on my American Express Business XXXX. I believe they changed the cycle payment date on me and they refused to refund the late fee of {$35.00}. I would be very suspicious of their practices as they have been quite aggressive in trying to get lower income Americans off their rolls.
Ive contacted Blue Trust Loans/Hummingbird ( another business name ) and revoked all ACH transactions and wage assignments as well as any electronic checks to debit my account. This loan had outrageous hidden fees and even though I had originally requested to pay the loan in full they still set up the loan in biweekly payments on my pay date. The interest rates far exceed the allowable amounts in Indiana and they are allowing users to borrow more then what the state allows which is {$550.00}. They have not responded to my revocation email and should not be lending in Indiana as they are violating the lending laws and do not have a license to operate in this state.
i was enroll with this company XXXX XXXX XXXX and i was making payments since XX/XX/2014 i do n't know what to do or where to go, who can i call??? is there any way i can get my money back??? the money that i paid when to my loans? its so confusing if any body can explain something to me i will appreciate it Thanks a lot in advance