WillisBack/dataset-financial-user-claim huggingface dataset:
Portfolio Recovery Associates is reporting a credit card account purchased from XXXX to the credit reporting agencies with a balance of {$5400.00} although this account was settled in full with a XXXX balance on XXXX/XXXX/XXXX. I have disputed this multiple times with this collector/debt buyer ( please see the attached letters and documentation provided with those letters ) and have even attached the Satisfaction of Judgment provided by the court, however, Portfolio continues to report this balance to both XXXX and XXXX. The fact that they report a XXXX balance to XXXX confirms that at least part of their records correctly reflect this settlement but obviously their records are still badly in error. 

I initially disputed this error with XXXX, XXXX and XXXX on XXXX/XXXX/XXXX. Since the account came back verified, I disputed directly with Portfolio on XXXX/XXXX/XXXX with a Validation demand under the FDCPA and FCRA, which, again received no response. I sent a XXXX validation demand on XXXX/XXXX/XXXX under the FDCPA, FCRA and FCBA and finally a third letter on XXXX/XXXX/XXXX directly to Portfolio, disputing under the FCRA, again with no response. 

Portfolio continues to ignore my legitimate requests under federal law and knowingly and arrogantly reports erroneous information to my credit report in violation of the FCRA. Further, per the FTC, the very act of reporting an account by a collector to a consumer reporting agency is a collection activity ( FTC-Cass Staff Opinion Letter, XXXX XXXX, XXXX, " ... we believe that reporting a charged-off debt to a consumer reporting agency ... constitutes " collection activity '' on the part of the collector ... '' ). This, to my understanding represents a violation of the FDCPA by continuing to collect on an account that has been legally paid.
On XX/XX/2018 i sent letters to Portfolio Recovery Associates acct # XXXX asking them to validate this debt not verify. They sent me itemized list of charges fromXX/XX/XXXXXXXX. I have also sent copies of debt validation letters to XXXX XX/XX/XXXX and XX/XX/XXXX only to come back with response that it has been verified. How is that? when my rights as a consumer have been violated under FRCA and FCRA by Portfolio Recovery Assoc. 

XX/XX/XXXX has them listed as a factoring company since XX/XX/2018 until current with conflicting open dates with the other credit reporting agencies and reporting late payments? How is that when a COLLECTION ACCOUNT DOESNT SUPPOSE TO REPORT LATE PAYMENTS? HOW WAS THIS VERIFIED OR VALID I have also filed a case with XX/XX/XXXX case # XX/XX/XXXX CASE # : XXXX Thats just 1 of the multipli inaccuracies!! Please help with this account so that i can be granted the justice I need.
XXXX XXXX university inflated their abilities to land students with jobs as well and the salary amount. And when I was initially given the loan for the school I was working a part time job, and they didnt even ask for a co-signer. The loan amount was XXXX for XXXX XXXX University. I have had issues paying my private loan due to the amount, even with income based repayment. Some years back I was having trouble paying my private loan and they rushed me into forebearance without offering any other help or repayment possibilities. Multiple times they have tried to push me into forebearance and then today XX/XX/18 I made a phone call because my job start date was pushed back and the lady I spoke with on the phone asked me 3x if I wanted forebearance and I said no each time because I do not want to add to my principal. And after the 10 minute conversation, she stated, ok well let me process this forebearance for you and she asked me if I agree and I once again stated no. This deceptive practice is why my original loan went from XXXX to XXXX initially. And now Im saddled with these loans that Im struggling to pay and Im fed up with it. There was income based repayment options offered this time but at the end of that conversation is when she threw in processing the forebearance. There is zero explanation on what forebearance does and the only reason I know now is from ample research. This company ruined my life.
XXXX XXXX XXXX XXXX claims I owe XXXX to Sunturst, this account was closed with numerous overdraft fees charged which are in dispute, Suntrust would not resolve them. The fees in question were charged after an item was returned, a check in the amount of XXXX from XXXX XXXX. XXXX XXXX placed a stop payment on the check in error, the item caused Suntrust account to become overdrawn and fees charged. Stop payment is not my error, however, Suntrust refused to credit fees back. Shortly after account was closed with overdrawn balance, a payment was mailed in form of cashiers check from XXXX XXXX XXXX to Suntrust. It appears it was not received and do not have a copy of check to provide, the account it was drawn from is not mine. My bank is not local and had to use XXXX XXXX for payment, a friend used her account to get cashiers check. It appears Suntrust did not receive check or possibly credited it to incorrect account, I do not know which occurred. I will not pay again, XXXX XXXX XXXX needs to remove account from collections as well as any credit reporting agency.
A. XXXX XXXX, 2017 B : TO EQUIFAX XXXX XXXX XXXX XXXX XXXX 
1. XXXX XXXX BELIEVES EQUIFAXS INCOMPETENCE AND NEGLIGENCE CAUSED HACKERS TO GET HIS INFORMATION. 
2. CONFIRM YOU LOST CONTROL OVER MY INFORMATION TO HACKERS. WHEN AND WHERE BY WHOM? 
3. YOU COLLECT INFORMATION OVER WHICH I HAVE NO CONTROL BUT ARE NOT REGULATED. YOU HARM WITHOUT ACCOUNTABILITY. 
4. LIST LAW FIRMS WITH CLASS ACTIONS AGAINST EQUIFAX FOR THEIR INCOMPETENT BREACH OF DATA HARMING 5. WHAT MONEY ARE YOU PREPARED TO COMPENSATE ME WITH FOR MY PROBLEMS? 
6. SEND ME FREE CREDIT REPORT AND CREDIT SCORE NOW. 
7. ATTACHED IS ID. 
XXXX XXXX LIVES AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX BUT ALSO GETS MAIL AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX2017
Experiencing massive amount of insurance, credit card, health insurance phone calls. I truly believe that my social security number was compromised and that someone tried to establish credit through fraudulent means.
On XX/XX/XXXX I file a complaint against HSBC and its front organization XXXX. In it, I stated the following : I have had an ACH Direct Transfer agreement with HSBC for the past 14 years during which HSBC has been withdrawing its monthly mortgage on time, uninterrupted. In or about XX/XX/XXXX without my knowledge, permission, or consent, HSBC stopped the transfers for reasons it refuses to provide. The attached HSBC Direct Transfer Policy, Section III ( ACH Revoke Authorization ), states that only the consumer can revoke this authorization. I have not done so. It remains valid. HSBC has refused to transfer the fund and has initiated foreclosure. If this all sounds absurd, it is. I am filing this compliant to find out from HSBC ( 1 ) why it stopped the Direct Transfer, ( 2 ) why it has damaged my credit, and ( 3 ) why it has initiated foreclosure. Simple questions. I hope HSBC responds. 

In its XX/XX/XXXX response letter, XXXX states : research confirmed automatic drafts ceased on your account when the trial modification was offered to you on or about XX/XX/XXXX. Since payments differ during trial modification periods, automatic drafts can not be completed. 

My response : I never accepted HSBCs modification offer. If HSBC has me signed off on any modification offer, it should produce it. If it does not have it, it has to remedy. 

In its XX/XX/XXXX response letter, XXXX further states : Additionally, because the trial modification payments were not made and your account fell into default, the automatic drafts could not be reinstated. As reflected on the initial automatic debit enrollment form, we may reject any request for Electronic Funds Transfer Payment if the account is delinquent. 
My response : I never accepted HSBCs modification offer so there were no trial payments to be made in the first place. 

In its XX/XX/XXXXresponse letter, XXXX further states : As of the date of this correspondence, foreclosure has been initiated, however, a foreclosure sale has not been set. The last payment we received was applied to your account on XX/XX/XXXX. 

My response : I never accepted HSBCs modification nor cancelled the automatic payment ; it was HSBC that on its own, without my consent or permission stopped it. The money has been in the account for HSBC and I urge HSBC to transfer it whenever it wishes. 

In its XX/XX/XXXX response letter, XXXX further states : If you have any questions, please feel free to call XXXX XXXX, Liaison XXXX Office of the President at XXXX extension XXXX. 

My response : I have left at least 5 messages for XXXX XXXX XXXX and more for XXXX XXXX but one has returned my call. The case manager, XXXX XXXX, refers me also to them.
XXXX XXXX XXXX has called me several times from Unknown Number. They called three times today and I answered the third time ( XX/XX/XXXX ). I  asked them, isnt it illegal to call from an unknown number, and he stated that his company does not do anything illegal. They also called me from an Unknown Number twice on Thursday, XX/XX/XXXX, and I did not answer.
In late XX/XX/XXXX i signed up for XXXX 's offer of one year free service. Prior to the end of that year of free service ( XX/XX/XXXX ), i ended my service with XXXX and switched to a different carrier.  However, XXXX erroneously charged me for one month of service in the amount of {$120.00}. In XX/XX/XXXX i disputed this charge by sending XXXX a letter to their disputes department using the address published on XXXX 's website. XXXX failed to respond. According to credit law, they had 30 days to respond to my dispute but failed to do so. They have now hired a collection agency called IC System to collect this fraudulent debt. I consider these tactics harassment. 

I have attached the following documents in a ZiP file : ( 1 ) XXXX 's 1 year free service offer ( Free offer details ) ( 2 ) My letter of dispute ( Dispute letter ), ( 3 ) Confirmation that i closed my XXXX service account ( Account closed ), ( 4 ) XXXX 's email invoice from XX/XX/XXXX showing XXXX disregarded my letter ( XXXX - Your XXXX bill is now available online_illegal harassment ), ( 5 ) email from collection agency IC System ( XXXX - Important Personal Message from I.C. System ).
SW Credit System opened a collection against me for the amount of {$570.00}. I never received a call from this company regarding this debt. They opened this account at XX/XX/2018 and then reported it two months later.
I opened an American Express Platinum personal credit card that has a welcome bonus of XXXX Membership Rewards points if I spent {$3000.00} on the card in the first three months. I fulfilled this spending requirement and was awarded the points. When I went to transfer some of the points to an airline transfer partner, I got an error and when I called an Amex phone rep told me that my points ( as well as those of all individuals who applied for the card ) were being frozen pending a review. They instructed me to wait 6-8 weeks for the review to be completed. On or around XX/XX/2016 I logged into Amex and saw that the points had been removed from my account. The Amex phone rep could give me no details as to why the points were removed. She did open an " XXXX '' case and told me Amex would be contacting me within 72 hours. That did not occur and another phone agent I spoke to subsequently confirmed that he had no ability to review my account. He also told me Amex would be in contact with me. That has not happened and I have not received any correspondence via mail, phone or email letting me have any information on what is happening.
This is reference the Wells Fargo Scandal of XX/XX/XXXX On XX/XX/XXXX my Wells Fargo branch asked me to come in to open XXXX new accounts due to a security breach on my existing accounts. They advised me that the source of the breach was confidential. XXXX new accounts were opened and resulted in bank routing numbers not recognized by my creditors when I issued checks. Those checks were returned as insufficient funds and my credit report and my credit score were financially damaged over a XXXX year period. My local Wells Fargo Branch officers were incentivized to create new accounts at my expense. I was advised to submit my complaint /dispute with the XXXX XXXX XXXX XXXX on XX/XX/XXXX and I submitted a XXXX Form with XXXX ( XXXX ) supporting documents requesting {$50000.00} in financial credit damages over a XXXX year period. On XX/XX/XXXX A Telephonic Mediation Conference Session was conducted between Wells Fargo, The XXXX and myself for a XXXX and XXXX half hour session. My XXXX is : XXXX. While a settlement resolution was reached a serious XXXX of justice occurred where I had no choice but to settle for a {$1000.00}. This was agreed upon my all XXXX parties on XXXX. Since that date no payment has been made my Wells Fargo and after several attempts to reach Wells Fargo through the XXXX they failed to reply or make payment. I have a condensed account of all of the above dated XXXX that was emailed to you at : XXXX. I will attach that document again for your information. Naturally, after XXXX months I have extensive records of my entire complaint/dispute with the XXXX & Wells Fargo on file. As a XXXX at age XXXX I am convinced I have been victimized by Wells Fargo and I am respectfully requesting the CFPB to review and investigate my complaint. Please advise my next step with the CFPB. 

Sincerely, XXXX XXXX XXXX, NV XXXX Email : XXXX Telephone : XXXX
In XX/XX/XXXX I asked to be placed on a repayment plan acceptable by the Loan Forgiveness program. I informed them that I worked for the XXXX XXXX and required the 120 payment set up for the Load Forgiveness program. Navient representatives guided me through the process and placed me on an income based repayment plan they said is acceptable for the Loan Forgiveness program. Seven years into my repayment plan I discovered I was supposed to send in proof of employment so that my years of payments and employment would be verified. Last year ( XX/XX/XXXX-XX/XX/XXXX ) I called the XXXX XXXX XXXX and was informed the income based repayment program Navient placed me on was not recognized in the Loan Forgiveness program. I am currently XXXX years old. I was getting ready to retire after 25 years of XXXX XXXX and I am forced to rethink my retirement date. when I transferred my loan to the XXXX XXXX XXXX, I received a tax form from Navient that  documented I paid THEM {$25000.00} in interest and NOTHING towards my student loan balance. I have been making payment to Navient for 20 years and I still have the same balance.
I have been trying to re-finance my mortgage in order to get cash out for remodeling the house. For some reason when they did the title search a 2nd mortgage came up that I know nothing about. I have never received a bill or any notice from them saying that I owe this and I have no idea how it ever got attached to my property and have never had any communication with them. There is nothing in my current loan documents that show that I ever took this loan out. Please see the attached documents.
I have disputed XXXX bill in the past and a new debt collector reporting under XXXX has put this debt that does not belong to me back on my credit report. Under the fair credit reporting act this is unlawful and Equifax should not be reporting this on my file. It should be removed immediately or I will have to take steps to litigate any and all monetary damages incurred for damage to my credit.
XXXX employee had my ssn from an account that I had in the past and ran my credit report without my permission or knowledge. I called XXXX they had it removed from my XXXX and XXXX but not my Equifax. The representative emailed me multiple times stating they had it removed from all three but my email automatically deletes emails so I do n't have it anymore. I called her back and she stated she would look into and get back with me but has not. I called Equifax and informed them that it was an error it was done without my permission or knowledge and I was told they would not remove it because an inquiry is always considered valid information.
In XX/XX/XXXX I purchased a hearing aid from XXXX XXXX of XXXX XXXX. My payment loan was through XXXX. Late last year, XX/XX/XXXX I learned that XXXX XXXX had sold his company. Apparently XXXX sold or transferred my account to Synchrony Bank. XXXX XXXX did not inform his clients he was going out of business. XXXX did not inform me my account had been transferred to Synchrony Bank nor did Synchrony Bank they acquired my account. In the meantime a payment in full due date had arrived. With the passing of that due date Synchrony Bank now wants a {$500.00} penalty fee. Synchrony Bank attempted to contact me via e-mail several times. However, in this day and age of identity theft, etc. I do n't respond to email from unfamiliar parties. Thus, I did not respond to Synchrony Bank. At least not until the XXXX or XXXX message. That is when I learned about the sale of XXXX XXXX and the transfer of my account. No one, not XXXX XXXX nor XXXX nor Synchrony Bank sent me any notice of the changes. I do not feel as though I should have to pay a penalty of {$500.00} plus late fees for a situation about which I knew nothing. 

Please advise, Thank yiou
Completed online dispute with the credit reporting agencies on XXXX XXXX, 2017. Currently still showing the disputes are in progress to-date. Below are the accounts that are in dispute : AMCOL SYSTEMS INC XXXX XXXX XXXX XXXX, SC XXXX {$1600.00} EXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX {$620.00} AMCOL SYSTEMS INC XXXX XXXX XXXX XXXX, SC XXXX {$100.00}
I have a substantial amount of student debt, upwards of XXXX in Federal loans and another XXXX in Private student loans through wells fargo. I called Wells fargo and explained my situation and the fact I only make XXXX a year.. so essentialy the amount they are asking for me to pay monthly would cause a hardship for me and not allow me to save any money in case of an emergency or move up in life IE. Buy a house, have a family. After Wells Fargo had me submit all of my paperwork for the hardhsip they recently contacted me that I was not approved for the hardship request and that I would have to continue to make the payments they demand. Wells fargo is soo unwilling to help students like myself who feel trapped by the burden of having such large payments due on a month to month basis. I essentially feel enslaved by this. Please help me lower my student payments at least to the levels of federal loans where the payment is more manageable. Also the high interest rates on Wells fargo loans are upwards of 10 percent which only causes a never ending cycle of debt for student like myself. It makes me wish I could return my degree given that I am not currently working in the field I studied. Please help!!!
I am writing to you because I just discovered that a large payment I made was severely misapplied and, because of that, I have been charged interest that I shouldnt owe and a loan that should have been paid off is still accruing interest and has barely budged at all! 

In XXXX of this year XXXX XXXX XXXX, I called and got the payoff amount for this loan and the specific account number. I then made a balance transfer to a credit card which charges me XXXX interest for XXXX months because I knew that, in that time, with no additional interest accruing, I could totally pay off this loan. The payoff amount was XXXX and thats the amount I transferred elsewhere, which should have brought that loan balance to XXXX 

Today I was considering paying off the other XXXX loans with a consolidation through another company and so I came in to my account to get the payoff amounts and the interest rate. Thats when I saw that Navient says I still owe XXXX on that loan! Thats just a XXXX  difference since XXXX, which is irrelevant actually because it should be PAID OFF. The amount I paid off was applied broadly across ALL three of my loans, not applied to that XXXX loan as it should have been. I am VERY upset about this! Not only did the loan not get paid off, but I have also been paying it off monthly elsewhere AND I have continued to accrue interest on this loan. This is an EGREGIOUS and SERIOUS mistake which MUST be rectified. I called and got the payoff amount ; I had the payment sent to the correct account number, because I got that information when I called. 

This mistake has cost me DEARLY and it needs to be rectified, PLEASE. This loan should have been paid off and instead Im paying for it XXXX, at a rate of XXXX  per day! I need this rectified. This hasnt helped my situation at all. I stupidly assumed the payment would be processed correctly, which is why I didnt check. And I thought that my monthly XXXX was now being applied to only the other XXXX loans. Ive gotten absolutely NOWHERE when I thought I had paid off at least that smaller loan. This is terrible and horrible.
I had my car financed with Santander XXXX XXXX. I had no choice with the loan company the dealership ( XXXX ) went with, I owed more than the car was worth.The interest rate is so high XXXX XXXX and whenever I have contacted them, the customer service is not helpful and also very rude. I do n't like that they wo n't refinance at a lower rate. I feel like I 'm being ripped off by this company. I have paid for this car twice from the looks of it I still owe XXXX plus on this car as of today.