WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX I called Shellpoint Mortgage to inquire about getting rid of PMI payments. I was told that I would need to pay for an appraisal at the cost of {$400.00} to determine the value of my home. On XX/XX/XXXX I sent a written request to Shellpoint requesting a home appraisal. Shellpoint ordered the appraisal and the home appraisal was completed XX/XX/XXXX. On XX/XX/XXXX, after not hearing anything, I called to inquire about my appraisal. I was told that a fee of {$620.00} was due for the cost of the appraisal, and only after that fee was paid I would get the results of the appraisal. I asked why the appraisal fee was so high and was told that they could not give me that information, nor was there anyone who they could forward me to who could. I also inquired about the bill that I never received for the appraisal. I was told that the bill would be on my XX/XX/XXXX statement. 
My first concern is the cost of the appraisal. The going rate for appraisals on a single family home ( my home at less than XXXX ft. ) are {$300.00} to {$400.00} at most. I do n't know why they are charging me {$620.00}. My second concern is that my appraisal was completed XX/XX/XXXX, if they are sending me a bill XX/XX/XXXX it looks like they want me to continue paying PMI at least 3 months after my appraisal was completed.
Credit card account for The XXXX XXXX via XXXX is suddenly listed on my credit report, dating from 2003. I do not currently and have never had a credit card from The XXXX XXXX.
On XXXX XXXX, 2015, I received a phone call - purportedly from Portfolio Recovery Associates ( PRA ) - telling me that my wife owed them {$650.00}. I denied that assertion. The caller asked for the last XXXX digits of my wife 's social security number. Having no evidence about who was calling, I refused, and I asked that the claim be mailed to me. The reply was that the claim had already been mailed to me. I denied that. At some point during the conversation, I asked where the claim had been mailed, and the PRA rep gave me an address that was not ours. 

The PRA rep refused to agree to mail me the claim, and declared she was marking this claim as disputed. She said I had to respond to their Disputes Department within a certain time period ( I do n't remember how long ). I asked to speak with someone in the Disputes Department. After a considerable delay, I was able to speak with a Disputes Department rep, who said I had to email or mail my dispute about the claim before they would give me any more information about it. She gave me an address and an email address. This entire conversation, or rather confrontation, wasted more than XXXX minutes of my time. I do not see why I should have to respond in writing to a verbal charge by an unknown accuser, attacking with an unknown accusation. 

The same day, XXXX XXXX, I emailed and mailed my response which I will attach to this complaint ( although the left upper corner reads XXXX/XXXX/2015, that is the date of my re-printing of the email, which was sent XXXX XXXX ). 

Yesterday I received a letter from PRA ( also attached hereto ) dated XXXX XXXX, showing a debt owed by XXXX XXXX XXXX, with a social security number ending in XXXX. My wife 's name is XXXX XXXX XXXX, and there is no " XXXX '' whatsoever in her name. There never has been. Her social security number does not end in XXXX. 

From the beginning, PRA was attempting to collect a debt from us when they knew our address did not match the one they had. And they initially refused to give me any information about the debt or the debtor until I took the action of disputing the claim. 

Once I did take that action ( giving them our address, which they did not have until they received my disputation letter ), and they knew for a fact that the name of the debtor did not match my wife 's name, they continued to try to collect the debt. 

This is not a case of identity theft. It is a case of wanton disregard of identity FACTS by PRA. 

I am responding to PRA 's letter with the attached letter, but because I am not providing them with answers to many intrusive identity questions to which they have no right to an answer, I fear they will continue to hound my wife and me.
Addendum to XXXX. CPRS claims letter was mailed to address on file on XX/XX/XXXX. I did not receive mailings from this company. Also, in the reply from CPRS, there are some companies, to which I do not conduct business with, that are raising some serious concerns. I do not conduct business with XXXX. I have been with XXXX, since XXXX. Also, I do not have an account with XXXX. My vehicle is currently financed through my local credit union. I previously had an account through XXXX, to which that account was closed in XXXX. Also, I do not have dealings with XXXX XXXX. These account belong to others. Also, this is very alarming, as others may have my account information, as well as I was sent account information on others. Also, the date of XX/XX/XXXX, is from a fax server. This hereby proves no letter ( s ) was ever mailed to me.
I have requested reinstated for behind amount on XXXX/XXXX/2015 and Lender told me that it takes 5 business day to give me reinstatement amount. However, until now as of today XXXX/XXXX/2015 they did not give me the reinstated amount and told me my house will be foreclosed on XXXX/XXXX/2015. I could not understand distress homeowner will be treated that way while the lender see my house has equity and want to foreclosed it to benefit them
On XX/XX/2018, I received a letter from the Credit Bureau concerning incorrect information on my account with XXXX 's. I supplied documentation with my submission of my complaint and was told that they never received any documents with the complaint through Consumer Financial Affairs website but they were able to correct my dispute with the account of XXXX XXXX which the documents for this dispute was attached to the complaint with XXXX 's. I am submitting documents from a complaint I filed against XXXX XXXX XXXX who XXXX 's contracted which states that they no longer have this account as of XX/XX/2018, also a copy of a account statement from XXXX 's stating that this account is {$0.00} balance along with a statement where the XXXX I returned was returned to this company and they were still charging my account which led to incorrect information in my file. It's sad that you can not get anyone to do their job and actually investigate the problem and the only thing a company has to do is to submit electronically without any evidence stating ACCOUNT IS VERIFIED AND ACCURATE. The credit reporting agency do not ask for any documentation but take their word and I have submitted several complaints and uploaded documents and I am still fighting to get rid of inaccurate information.
I have  XXXX  child support accounts show up on my credit report that is NOT mine. This started about 6 months ago, when I noticed them I began trying to figure out what to do and how to do it because I disputed it and the bureaus said it was a " valid or verified account '' which made me laugh because the Child support office s aid 2 week s after the agencies claimed to have investigated that the bureaus need to contact them. They provided little help as well ... they did send me a letter which I 've forwarded on to the credit bureaus, and have n't heard anything back as of yet. Little frustrating because I wanted to look at buying a house and I ca n't and anyone that runs my credit things I 'm lowa quiet life that does n't pay his child support. Not sure what else to say or do but I 'm going to upload what I have based on the internet and different resources.
XXXX XXXX and assigned lawyers suing for debt that is past it 's statute of limitations in the state of Alabama. Statute of Limitations passed as of XXXX XXXX, 2015. They filed to get a judgement on XXXX XXXX, 2015.
I received a pre-approved auto loan from Capital One Auto Finance in mid-XX/XX/XXXX to be used only with XXXX XXXX. I contacted XXXX XXXX and selected a vehicle I was interested in. They proceeded to solicit financing without my consent from 9 financial institutions. All 9 made hard inquiries on my credit reports on XX/XX/XXXX.
Approximately XXXX months ago Barclay raised the limit on XXXX my credit cards from {$2500.00} to {$6500.00} in recognition of responsible card usage. Less than XXXX months ago I contacted Barclay to shift some credit line from XXXX account to another. The credit analyst who processed my request told me that by Barclay 's standards I manage my credit excellently. Then, on XXXX/XXXX/2015, Barclay closed all my accounts locking up rewards worth a total of {$1100.00}. This was comprised of XXXX points on an XXXX Extra Points Card ( valued at {$0.00} per point = {$900.00} ) and XXXX points on an Arrival Plus Card ( valued at {$0.00} per point = {$190.00} ). I have made no change to my use of the cards at any time in the last XXXX months ( the duration of my credit relationship with Barclay XXXX. I am left with no access to my earned rewards and have only been provided with a vague explanation that my accounts were closed for their usage XXXX the same thing that prompted increased credit lines and verbal praise from a credit analyst at the bank ).
On XX/XX/2013, XXXX XXXX XXXX, XXXX, an apartment complex leased a unit showing me as a co-signer/guaranty on the lease. I did not authorize nor sign the guaranty. They did this without any identification. They have referred the debt to a collection agency who has put in on my credit report as in collections. I have disputed this to the collection agency as well as on my credit report ( XXXX XXXX ). I am trying to get a mortgage loan and I had to temporarily lift the dispute so that the mortgage company can get an accurate credit score. This account should not be on my credit report. I have written XXXX XXXX XXXX ( the collection agency XXXX XXXX XXXX, XXXX, XXXX XXXX ) and they have refused to remove the collection from my credit report. I sent them proof to show that this was not my signature and also my address on the guaranty was not correct. How can a company hold me responsible for a debt when they did not seek identification to certify the co-signer. The amount shown on the guaranty letter is XXXX but the amount on XXXX XXXX is XXXX. I am not responsible for this. The leasing agent was negligent in not securing identification and should not have processed this.
A state ta x lien ( GA ) has bee n paid and the lien cancelled. Confirmation has been both sent to Equifax by certified mail and scanned directly to them.     Copies of confirmation of tax lien payoff is attached.
I have been reported by Credit Collection Services for over two years ( XX/XX/XXXX ), I sent a letter by certified mail on XX/XX/XXXX, in order to obtain information of this report as the information reported is inaccurate. I spoke with a representative over the phone, they told me they received my letter on XX/XX/XXXX, but the account was closed on XX/XX/XXXX, that was the reason they have not replied to my letter.
PLEASE REMOVE XXXX XXXX AS AUTH USER : SS # XXXX ACCT # XXXX.
My loan provider, Navient, has repeatedly provided misleading information about accrued interest and most recently when I set up auto pay in XX/XX/XXXX around the first of the month when my payment was due, the customer service rep stated that my payment is not due until XX/XX/XXXX. She made it sound like I was ahead of schedule on payments so I wouldnt have another payment until XX/XX/XXXX, therefore skipping my XX/XX/XXXX payment. When XX/XX/XXXX came around, none of my payment went towards the principal because I had accrued double of what I normally pay per month. When I called to ask why today, I was told that they moved the date to XXXX as a courtesy. This, to me, among other things is very misleading!
I'm in the middle of a divorce and I checked XXXX XXXX in XX/XX/XXXX. I found that my wife had opened up a Best Buy/CBNA card in my name in XX/XX/XXXX ( XX/XX/XXXX to be exact ). So I just found out about this fraudulent card a few months ago. I contacted Best Buy/Citi and told them that I didn't know this card existed, and that I never opened the account. The fraud team told me that they would do nothing, that I was responsible for the {$4100.00} balance, and that it would remain on my credit file and credit report. I explained that the card was opened in my name and that I didn't know about it for 8 years. Best Buy/Citi still would do nothing about it and held me responsible. On my divorce lawyer 's advice, I requested the statements from XX/XX/XXXX to XX/XX/XXXX, which they sent me. I was also advised by my attorney that since my wife admitted to the fraud in my name, that I should still pay the minimum monthly balance, which I have been since XX/XX/XXXX. Even if my wife has to pay for the balance when our divorce is final ( and this is only my hope and my lawyer 's hope ), this Best Buy/Citi card has been on my credit file for 8 years without my knowledge, and as a result has affected my credit score and financial health for 8 years without my knowledge. I'm surprised that Best Buy/Citi allowed my wife to open the card in the first place - that their business practices are so fraud-prone and unethical ; and I'm even more surprised that after I informed them 8 years later, they will do nothing to correct their mistake, and I continue to pay for a card I did not even open, nor know about.
Hello, I am a definitely an XXXX value customer, and I spend most of my money on XXXX card and stop to use the credit cards from other banks, like XXXX, XXXX. Because I pretty enjoy XXXX excellent customer service, and they also try to help me solve problems as possible. Meanwhile, I also recommend XXXX cards to my friends and families, tell them how XXXX cards better than other banks. However, recently I have a problem sinceXX/XX/XXXX which I was trying to transfer some Membership Rewards ( MR ) to miles of XXXX airline partners, so it already been like 3-4 months, during this time, include some holidays like XXXX XXXX, XXXX, I tried to redeem some flights to vacation with my families, but I CANT!! XXXX web shows : '' This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I also try to talk a lot with XXXX customer services representative, even some supervisors, they are nice and just let me wait, but it is not really helpful, some customer service told me that it will take like 6-8weeks, I say : OK, I will wait for that!! NOW, it almost like 4 months which is 16 weeks, the problem is still not solved, and I still try to negotiate with XXXX customer service department, they still just let me wait, and they said they do not know how long the process will take ... XXXX 
Really???? I am very very very sad, disappointed, which is the first time since I touched XXXX, I have a lot of credit cards with high annual fees, I paid these fees because of the XXXX great services and benefits, so it worths. BUT NOW, IT DOESNT WORTH ANYMORE!!!
I accepted a 0 % balance transfer offer with discover, what they fail to mention is by accepting a balance transfer you LOSE your grace period on any and all purchases, even if you pay them off before the statement even cuts. There was a month I was charged {$2.00} interest and there were XXXX dollars in charges to the account that month. The months prior there were payments within the statement to cover any purchases
Credit Management is using my personal info & deciding that I am responsible for the bills attached. 
1. I have not been to the facility mentioned in the letters for myself or another.

2. I am not the party who signed an agreement with said facility to pay these bills.

3. I am not the individual the faculty billed.

4. I feel this attempt to collect a debt is misuse of my personal information & identity theft. 
5. Credit Management is trying collect multiple times for the same debt.

6. Also again the agreement to pay this debt was an agreement between the faculty & another individual, not myself. 

Account No. XXXX debt id XXXX, XXXX debt id XXXX, XXXX debt id XXXX
PNC has Foreclosed on a property that was PROTECTED by an Automatic Stay that was in Force. This was done while a State Court Proceeding was pending AND A Federal Proceeding was pending. PNC has committed a WILLFUL VIOLATION OF THE AUTOMATIC STAY and the Sale should be set aside as being ILLEGAL. My Loan Modification was pending ... ... ..before a response was given The foreclosure Took place. I need Legal Help in fighting this bank from Illegally taking my Home.
Harris and Harris, Ltd. started calling my parents ' number. My parents called me about this, but I do not know when it started. I have not lived there for over a decade now. I can tolerate whatever they want to throw at me, but my parents have enough stress and poor health, so I want them to cease immediately with the possible exception of XXXX phone call or letter apologizing. 

I also do not want my financial information disclosed to my parents or others. I am the only XXXX they should be contacting. 

Also, I called XXXX XXXX days ago and they said they had pulled the case from debt collection for at least 90 days.
ERC : Enhanced Recovery is reporting on my credit file, for one, I never got a 30 day right to dispute or any notification, they just put it on my report. Also they are collecting for XXXX whom I do not owe .... I signed up for XXXX awhile back because they promised me they have coverage where I live, which is very very rural. They said I would have service and no roaming fees. So I switch, well my first bill was $ 1100+ because everything was in fact roaming, they do not provide coverage in my area I found out after speaking with a manager. So I do not owe this bill, they are lying to customers and doing bad business. I would pay what my normal bill should have been but I will not pay for extra fees in which I would have never had if I did n't switch over with them promising me I would have coverage. They need to be investigated as they have hundreds of thousands of complaints regarding this
I applied for a balance transfer from my XXXX XXXX card to a TD Bank credit card for an amount in excess of {$4000.00}. This was done and approved on XXXX XXXX, 2015. The teller assured me it would take XXXX days for the money to be transferred. After that time passed, I contacted TD and they said I was misinformed- that it would take between XXXX weeks for the balance to transfer from XXXX to the TD credit card. After XXXX weeks passed, I contacted TD again, because XXXX told me I was going to be reported, which will affect my credit. At that point, I paid the minimum due, to XXXX, to avoid my credit being affected. After talking to many people on the phone, at TD, I was finally told that there was an error, on their part, and that they had to re submit the application. I asked if there was any way to speed up the process because of my current situation with XXXX and their mistake. They told me there was nothing for them to do and I would have to wait. I waited, and XXXX reported me to the credit bureau. Finally, the manager at the TD Bank branch, where I applied for the transfer, said she talked to the credit department at TD and the transfer would be expedited. It is now XXXX XXXX, 2015, and XXXX XXXX still does not have the money I owe them. I have called TD bank several times, with no answers to my questions and the only advice, to wait. My credit is dropping as we speak. XXXX actually said that TD bank should have deposited the money into my account, but when I approached them with this idea, they said they did n't have the authority to do that. I am now considering paying off XXXX from another bank account, which I did not want to touch, to avoid getting reported to the credit bureau again, which XXXX said would happen in a week. But I know TD will not be able to cancel the transfer and then XXXX would have to credit me money, once the transfer goes through. I do not know what to do at this point.
Today I received the 8th call from Matthews & Michaels Private investigator in XXXX, Texas Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX They keep harassing me about a debt that my ex husband owes. My name is not on the debt. He calls during work hours. After numerous times telling them to stop calling me, they still will not stop. All calls are supposedly on a recorded line, and I know I have told them to stop calling me at least 6 times now. I will not and can not give them any information, they still call about every other week. I have finally blocked the phone number on my cell phone, but I am sure they will find a way around that. XXXX XXXX is the man that keeps calling me telling me that it is Urgent that I call and give them all information they require. That it is my responsibility to be sure that I get back in touch with them immediately.
About two months ago, NCC Business XXXX called to collect a debt from XXXX ( a rental company ). I asked NCC Business XXXX  for their XXXX  XXXX number and they told me they would call back. 

Today, XX/XX/XXXX, I had two conversations with them, they assured me that debt was not for damage, but for utilities. I asked them for their XXXX number, they would not give the number. The supervisor claimed that NCC complies with all local regulations.

I accessed the XXXX XXXX XXXX and printed out their XXXX number which was revoked on XX/XX/XXXX. I called back and informed them of this fact. This was on a recorded line on my side
XXXX XXXX XXXX and Experian has continue to break the law knowlly. XXXX XXXX XXXX are suppose to be collecting on a so called debt for XXXX XXXX. I have asked XXXX XXXX for proper validation of these accounts. They have failed to supply me proper validation of these so called accounts. They have forwarded me tress so called statments. These so called statments does not count as proper validation. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


Experian has failed to properly validate these accounts. Experian has admitted to go off the word of the companies. Per our conversation I had with a Experian rep they send the dispute to the Company who owns the account. Then the company sends experian the results of the investigation. Experian does not have any documentation of these accounts to let them report on my credit report. 

Experian does not have the right to continue to report any XXXX XXXX   accounts on my credit report. 

XXXX deleted these accounts with no issues on my credit report I have reported both companies to the the Attorney General office and the FTC for failure to follow the law.