WillisBack/dataset-financial-user-claim huggingface dataset:
Portfollio Recovery has been asked several times to stop calling me and to send me something about a debt I do not know of. When they call and I ask them to this, I get " sorry what are you saying I do not understand what you are saying, I am trying to collect a debt, I do not know what stop calling means. '' I have told them this on three different occasions and they continue to call both my house phone and my cell phone. I have blocked about XXXX numbers from my cell phone. I am not going to agree to pay a debt I know nothing of. If they can not send me something in writing then they need to stop the calling. They will not give their address to send something to stop the calling. I am making a log of every time they call.
OnXX/XX/XXXX I received a letter from XXXX XXXX saying I owe XXXX XXXX XXXX. I informed them that I do not owe this and that the account does n't belong to me. The rep yelled at me saying that it does and I needed to pay and used foul language. The debt was posted to my credit and I disputed it woth the credit bureaus and XXXX XXXX and it was removed.Now i have received another letter today XX/XX/XXXX dated XX/XX/XXXX from a different company XXXX XXXX which is a completly different cpmpany saying I pwe this debt of XXXX. I informed them it was disputed before and removed but theu say i owe please help me with this.
On the day of XX/XX/XXXX i notice a bankruptcy was placed on my credit report at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX as a result from when i went to speak with an attorney considering filiing, However, i didn't retain the attorney nore did i follow through with the bankruptcy, upon noticing this i reached out to XXXX, Equifax and XXXX  between XX/XX/XXXX-XX/XX/XXXX i was notified of the removal after there investigation, shortly after Equifqx said that information was veriied. I than reached out to XXXX XXXX XXXX Clerk of Court in response of the verfiy procedures with credit reporting agencies and there respond was that the court do Not perform any activities with the credit bureaus. I have never filied Chp XXXX or Chp XXXX i only inquired.
Today, XXXX XXXX XXXX, 2015 - I notified Account Control Technology, Inc. at XXXX XXXX ) XXXX regarding my student loan payments. I spoke with XXXX. I have been faithful in my payments and have automated withdrawals from my personal banking account. However, I received a letter dated XXXX XXXX 2015 stating payments would begin posting payments to my account on XXXX/XXXX/2015. I was shocked. I had no idea at this time my promissory payments had stopped. I am careful with these payments since I do not want an OFF-set of my taxes! So with this information, I immediately sent documentation to the Federal EDU collection, Acct. Control Technology asking for payment consideration, why they stopped since I have never missed a payment - I asked if the correspondence reached the office and if so, please read the documentation. Oh, did she read it! She was quite aware that not only had I not known about the payments that I had also spent the past 5 months with my helping my mother who had significant and XXXX at The XXXX XXXX Hospital and XXXX XXXX XXXX. I have been taking care of my mother for months as she has been XXXX. My mother 's XXXX was over 10 hours long, extensive and XXXX for a woman of XXXX years old. XXXX So if these particular Customer service representatives try to tell me that they spoke to my mother, they are very mistaken. I am offended and appalled. 
During the conversation, I explained to XXXX I have never once received notice of missing a payment, NSF in bank etc. XXXX then tells me maybe my card had been expired. Then it dawned on me. Yes, my debit card had been replaced with the same # 's and a new expiration date which I told her no one from my bank or their company had contacted me. She ignored me and continued on. She then kept asking if I wanted to begin a new account. I can not believe A NEW account. This was not my fault in the first place. No letter of termination, no financial funds, we are sorry you have defaulted on your promise to pay - NOTHING!!! 
XXXX then stated to me that the representatives had made calls to my phone and to my mother. I hit the ceiling. How can mother speak to anyone - SHE CA N'T. I knew then these people were lying. I offered to have a letter of medical confirmation sent to the department, they refused. XXXX then went to her supervisor who was just as nasty. Kept asking me why I not paid on my account. I explained again it was not that I did not pay, I did NOT know my payments WE 'RE not going through! Again, they told me over and over they spoke to my mother over and over and I know they are lying - I even asked if they knew sign language. I came to a point of cursing which does not making things better. 
I honestly DID NOT know what happened as to WHY they stopped and did n't tell me - WHY they had not called me - I can pull my phone records and prove to them, and lastly why are they accusing my Mother, a XXXX yr. XXXX of LYING - or that my family is lying. 
Can you help me? 
XXXX
On XX/XX/2017 I presented XXXX items totalling XXXX USD to the TD Bank, N.A ( the " Bank '' ) branch located at XXXX, XXXX, MA XXXX. The amount credited for the deposit was XXXX USD, XXXX USD less than the amount of the items deposited. 

On XX/XX/2017, after the deposit posted to my account, I noticed the discrepancy and notified the Bank of the error. During this call, the representative was able to confirm the missing amount based on the check images collected by the Bank at the time of deposit. The representative informed me that they would escalate to an appropriate organization within the Bank and that the error would be corrected within 2-3 business days. 

On XX/XX/2017, I noticed that the error remained unresolved. I contacted the Bank again regarding the error and was told that the error would be corrected within one week of the original notice ( by XX/XX/2017 ). 

On XX/XX/2017, the error continued to remain unresolved and I contacted TD Bank , N.A . again regarding the error. The representative, XXXX, noted that there was no record of any request made during the previous calls. The representative contacted their supervisor, XXXX, to escalate a request within the Bank and have it expedited such that it would be resolved within 2 business days. 

On XX/XX/2017, I am filing this complaint with the CFPB. It has been over a month since the issue was first raised with TD Bank , N.A . and, after multiple good faith attempts to resolve the issue, the TD Bank , N.A . continues to fail at delivering on its promises to correct the issue.
On XX/XX/XXXX, we received notification from XXXX  XXXX XXXX  that our mortgage servicing was transitioning to Select Portfolio Servicing effective XX/XX/XXXX. On XX/XX/XXXX, once we verified the mortgage service moved, we paid our mortgage in the amount of {$1600.00} which they deposited on XX/XX/XXXX. We have paid our mortgage on XX/XX/XXXX and you deposited it on XX/XX/XXXX in the amount of {$1500.00} and on XX/XX/XXXX we paid {$1600.00} and on XX/XX/XXXX we paid {$1700.00} and our mortgage remains current and paid according to the invoices they send out on a monthly basis. 

On XX/XX/XXXX, SPS transferred {$1900.00} to XXXX XXXX for our homeowners insurance that they labeled as hazard insurance In XXXX, we moved our servicing of our homeowners insurance to XXXX XXXX and informed XXXX  XXXX that we would be paying directly to XXXX XXXX to earn discounts as we arranged all our insurance needs under one umbrella. XXXX XXXX is our insurer today. The payment SPS sent on XX/XX/XXXX from our escrow was made in error, we pay XXXX XXXX directly. Our XXXX  XXXX  agent confirmed that on XX/XX/XXXX they returned the funds to SPS Select Portfolio Servicing. Those funds were returned to SPS in XXXX and they withheld the funds from our account for 3 months. 

On XX/XX/XXXX, SPS sent a refund check in the amount of {$1300.00} which is {$620.00} short of the overpayment. We have served SPS with 2 notices of error regarding this matter. SPS fraudulently took money from us that was an overpayment of our Homeowners Insurance when we owed nothing to them as our mortgage and escrow accounts were 100 % current based on their billing. We believe that SPS took {$620.00} in funds, without explanation, to insert into an Escrow account and boost the value of the account ahead of schedule and we believe this a breach of contract on our mortgage.
I contacted this company to dispute a Bankruptcy on my credit report that is not correct. Per FCRA my credit file must be investigated per request. I received a letter stating that the incorrect information on my credit file was verified, but I disagree. I called the court house here in XXXX, and they stated they don't give out court case information to credit agencies. I then contacted XXXX XXXX who the company " claimed '' they validated the information with. XXXX XXXX has no history of the bankruptcy on their file for me either. So my question is how was this certified and verified by this 3rd party company if they have no record of this. This is fraudulent and your incorrect reporting is damaging my ability to get a home. Please remove this inaccurate, unverifiable information from my credit file immediately to avoid escalation to the FTC for various FCRA violations
I have not owed XXXX XXXX XXXX for any XXXX XXXX, but credit collector has continually harassing me and placed a debt of {$100.00} on my account after I have even told them have been cleared by XXXX It happened that I received an order of a cable modem from XXXX XXXX XXXX which was not ordered for by me, I only make phone inquiry about the service alone but the person I spoke with send to my address the modem through XXXX and immediately I saw this, I called XXXX and they asked me to send it back the next working day through the same courier and after 2 days I called again and it was confirmed received by them. And they told me severally that am cleared but credit collector keeps disturbing me on this and I have referred them time without number to seek clarification from XXXX XXXX XXXX but they did not. It unfortunate that this is still coming out on my credit report. Am frustrated and am developing XXXX XXXX with the way they disturb and the manner by which this appear on my credit information. I am seeking for a redress. I will appreciate if this can be settled. Am just tired of what XXXX XXXX XXXX is doing to me. 

I can be contacted for further clarification of this matter. 
Thanks
I have made several attempts to rectify this matter with World Omni Bank, XXXX, and XXXX. I have notified all of them that this account do not belong to me and was open as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.
Diligently making my mortgage payments for the life of the loan, on XX/XX/2017, I was unable to make the final payment, due XX/XX/2017, for the {$720.00} balance due. Unable to make the payment on-line at the BOA web site, I went to the local branch in XXXX, where I live, presented the XX/XX/2017, monthly payment coupon and check for the {$720.00} balance due to Teller " XXXX '', who was unable to accept my payment due to a " computer error ''. Teller " XXXX '' then contacted BOA Relationship Manager, XXXX, to request assistance. XXXX was also unable to accept my {$720.00} balance due payment to pay the outstanding mortgage in full. 

Additionally, though the web site notes a charge of {$6.00} for making an on-line payment 10 days or more past the due date, my attempt to make the payment due on XX/XX/2017 on XX/XX/2017, noted a charge of {$6.00} to make that on-line payment the day that it is due. While that was clearly a glitch, the important concern is ; why should Bank of America be allowed to charge an additional {$6.00} fee to make an on-line payment when there is already a provision to charge a late fee for payments made greater than 16 days past the payment due date. Seems lie Bank of America is pyramiding an unjustified charge of {$6.00} for the privilege of making one 's monthly mortgage payment on line before a standard late charge would kick in as in their standard mortgage contract.
This debt is being reported on my credit reports without validation of debt. I disputed this debt with Calvary Portfolio Services on XXXX/XXXX/2017. To date I have not received ANY correspondence validating the debt in which they say I owe and what is being reported to all XXXX Credit Reporting agencies. As of today it has been a total of 81 days since my original request and this company has ignored me and failed to provide validation of this debt. However, Calvary Portfolio Services, LLC., is still reporting this alleged debt to all XXXX credit bureaus monthly. This has adversely affected my credit score and has limited my credit worthiness.
I initially requested DEBT VALIDATION from Calvary portfolio on XXXX/XXXX/217. I never got a response validating the debt. What I received was a letter dated XXXX/XXXX/2017 stating they were in receipt of my dispute letter and could not investigate because my " dispute '' lacked information that would allow them to investigate. What I requested was debt validation. In that request I specifically stated that this is NOT a refusal to pay but a request for debt validation. However, Calvary Portfolio decided to ignore my request for debt validation and simply label it a dispute. This was done twice. The same exact correspondence was sent again on XXXX/XXXX/2017 after I sent a SECOND written debt validation request.
Calvary Portfolio continues to report this invalidated debt on my credit as verified. What exactly was verified that would validate this debt and prove that I am in fact that responsible party and why have I yet to see such information. Calvary Portfolio has and continues to violate my consumer rights.
Getting calls about a debt that I settled and paid in XX/XX/2016, I do have the letter that debt was paid in full, told that to AFS and they keep on calling to collect on debt. I told them to send me letter to let me know who they are and when they purchased the debt, they refuse and want me to send them info about me and that I paid, when I told them I will not do such a thing they talk over me, threatening me with the law, than they hang up, this happened three times now and I told them everything has to be in writing, they totally disregard any of this and still keep on calling. I will not send them any info, because I dont know who they are and I still have not received any of paperwork that I asked for. I dont want to take a lawyer but I might not have a choice, so some help would be appreciated.
I had a XXXX XXXX XXXX account which was closed a long time ago as per my request and the bank reported it differently. After providing documents to Experian, they still reported it the wrong way as closed by credit grantor. When I finally reported it to the CFPB Experian did change the info. However, after a while, they changed it back. When I questioned them on it and asked them to use the same letter which was last time used to rectify it. They refused to correct and started a completely new investigation although this letter was already previously used to correct the matter. 


Here you see the same complaint and their false response XXXX-XXXX Submitted to the CFPB on XX/XX/2017
Please read the complain before sending out an automated like response. I want a thorough investigation of my concern before I take a legal action. I don't want automated like responses, explaining how credit scoring works and how you can not disclose the credit scoring model. I am well aware of the procedure. If something in my report changes, my credit score changes. 

But my credit score has changed without any changes to my credit file. I want a detailed investigation from the bureau of what changed my score if nothing in my credit report has changed. Seems like credit reporting bureaus are practicing fraud and playing with average Americans life. 

I am attaching 2 images of my credit file, one its from XX/XX/XXXX and other from XX/XX/XXXX. As shown in the report, there are no changes to my credit file but still my credit score has dropped. I want answer to my specific question, of what caused the drop if there were no changes to my report.

If the bureaus has renewed one of my old debts to show as if it has happened just now, this is fraudulent activity as an old debt can not be renewed. 

I am in a process of buying a house and I will seriously consider a strong legal action against the bureaus if I don't receive a specific and detailed answer to my questions.
ERRONEOUS INFORMATION ON MY CREDIT REPORT, SCORING INNACURATE INFORMATION, EXPERIAN HAS N'T UPDATED STAUS CURRENT OF MY CREDIT TRADE LINES ALL IN GOOD STATUS.
I 've already filed  XXXX  wo complaints because this company continues lie about my account and give me the run around. Y es, I had insufficient funds to make the  XXXX   XXXX , payment so it was declined and I called that day to make arrangements for a payment on  XXXX   XXXX . I have the email regarding the decline on  XXXX   XXXX , but the payment that was supposed to be made on  XXXX   XXXX  was never charged or declined by my bank. The money was there. And I was not notified of such a decline. Nor did I receive a statement in  XXXX  indicating that there had been any kind of decline or what would be taken out for  XXXX  or what I owed. I sent an email, since my phone calls were not going through as I work during the day -- and assuming that this email has to be monitored because it 's where they requested that I send my signed contract, they would have seen that I had not been receiving my statements and did n't know why they were not charging my payments. Still nothing. Until  XXXX   XXXX , I had not heard a single thing from this company by phone, email, or mail. Obviously they have my mailing address because it appears on my decline email, and obviously I could get emails from them, because I have this decline email, but I never received another thing from them after I made arrangements on  XXXX   XXXX . And yes, I told the rep to shut up, because I was sick and tired of getting this kind of run around and being fed these lies. One of the managers admitted to my husband that this was the company 's fault, and given that I have every right to have filed a complaint. I had received NOTHING -- no responses, NOTHING -- after my call on  XXXX   XXXX .
I have tried to get three credit bureas to send validation on accounts on my credit reports only to get reports back saying that the accounts have been verified. This is not validation. Asking for signed documents of my signature on accounts that have been disputed by me. Accounts were disputed three times since XX/XX/2018 thru XX/XX/2018 and credit bureaus say they are verified. Need validation on accounts or remove from credit report. XXXX : XXXX XXXX judgement for possession of apartment only, no money judgement by court, this account is reporting as deceptive and unfair practices. 
XXXX XXXX no validation, statement is account has been transfer/sold. XXXX XXXX no validation on account creditor sent out deferred payment agreement on account that has not been validated.Transunion  has same accounts XXXX XXXX, XXXX XXXX, XXXX   XXXX, and also Bankruptcy chapter XXXX that I have letter from Bankruptcy court that they do not verify information with credit bureaus.I also have placed a freeze on XXXX.XXXX  has XXXX XXXX, XXXX XXXX, XXXX  XXXX, and Bankruptcy chapter XXXX. Documents attached. Thank You. 
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Bank of America Home Loans Services has ERRONEOUSLY reported late payments for the months of : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I have contacted BOA and they confirmed the received of my payment for those months and the late payment remarks have not yet been corrected. Attached please find copies of my payments accepted by Bank of America.
Want to pay loan but company interest rate is really high over 31 percent and it will take forever to pay off
Has called me at XXXX and after XXXX like XXXX or later and has called just today 5 times. Lady transfers me to another person and they are aggressive and demand me to pay the bill after telling them that they need to mail me a bill.
First call was on Saturday XXXX XXXX They continued to call the following times on Saturday : XXXX XXXX XXXX ; XXXX Monday they called the first time at XXXX XXXX I spoke to them and explained I had thought they would make another EFT attempt as this is my first time with an issue in over a year and half of making EFT payments. I asked how to handle this and pay. They explained if I sent a check I would avoid an additional charge of {$15.00}. I asked them to send me an email with mailing information as I have always paid directly through my bank. They said they would. They then called the same day at the following times : XXXX XXXX ; XXXX XXXX. ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX. ; XXXX XXXX ; I called them on XXXX/XXXX/16 to make payment over the phone so they would stop calling me. I had still not received email with mailing address. They then called again at the following times : XXXX XXXX. ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; I checked my bank account and the payment had cleared my bank. I continued to get calls starting today @ XXXX XXXX. ; XXXX XXXX XXXX XXXX.
I received two XXXX Grants : ( a ) {$3000.00} for Award Year XXXX and ( b ) {$4000.00} for Award Year XXXX Conditions of the XXXX Grant that would prevent it from converting to a Direct Unsubsidized Loan were : ( a ) I must XXXX as a full-time highly qualified XXXX in a high-need field, ( b ) I must submit annually a XXXX Grant Certification that states my intent to fulfill my XXXX Grant obligation and to document the prior year 's qualified teaching service. I started teaching at XXXX XXXX XXXX XXXX ( XXXX XXXX TN ) in XXXX, XXXX and I sent certification for the calendar year of XXXX. ( Exhibit 1 ) I graduated with a XXXX on XXXX XXXX, XXXX. ( Exhibit 2 ) In a letter dated XXXX XXXX, XXXX, XXXX XXXX stated that my XXXX Grant Service Obligation Period Start Date was XXXX/XXXX/XXXX. ( Exhibit 3 ) During the XXXX school year I remained at XXXX XXXX and submitted certification for calendar year XXXX. Due to confusion, this certification was sent on two different dates ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ). ( Certification 1- Exhibit 4 ) ) I transferred to XXXX XXXX XXXX for the XXXX school year. Certification for Calendar year XXXX was submitted on XXXX/XXXX/XXXX. ( Certification 2- Exhibit 5 ) I received a letter dated XXXX XXXX, XXXX from XXXX XXXX confirming that I had two years of  certification requirements remaining. ( Exhibit 6 ) Certification for XXXX was submitted on both XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. ( Certification 3- Exhibit 7 ) I received a letter dated XXXX XXXX, XXXX from XXXX XXXX confirming that I had one year of certification requirements remaining. ( Exhibit 8 ) Certification for XXXX was submitted on XXXX/XXXX/XXXX. ( Certification 4- Exhibit 9 ) A letter dated XXXX XXXX, XXXX from XXXX XXXX confirmed and stated that " ... you have fully satisfied your service obligation for the program of study ... and ... You have no further teaching, certification, or other obligations for these grants. '' ( Exhibit 10 ) XXXX XXXX then notified me that the XXXX Grants had been turned into unsubsidized loans. I have made repeated phone calls to XXXXXXXX XXXX to correct the error. In summation, my last XXXX Grant was received for the XXXX academic school year. I graduated from the XXXX Grant eligible program on XXXX XXXX, XXXX. ( Exhibit 2 ) I then fulfilled my 4 years of teaching and certification requirements for XXXX, XXXX, XXXX, and XXXX. It is my contention that XXXX XXXX has either erroneously or fraudulently converted the XXXX Grants into unsubsidized loans.