WillisBack/dataset-financial-user-claim huggingface dataset:
. I paid ERC on XX/XX/XXXX with my XXXX secured Visa for an XXXX bill from XXXX. The account details are noted in the settlement letter from ERC. XXXX is not accepting the settlement of the debt and wants the remainder of the bill paid. XXXX XXXX XXXX acknowledged today that the debt was sold to ERC. ERC is saying the account is closed and settled However, ERC said on XX/XX/XXXX that XXXX XXXX XXXX does not have to accept the settlement. That was not my understanding from settling the account. All calls with ERC are said to have been recorded. Since the settlement of the debt did not clear the debt, I believe that ERC and XXXX XXXX XXXX have acted fraudulently in obtaining the {$280.00} payment as settlement and not settling. I have also asked my credit card provider, XXXX, to dispute the purchase.
I am constantly getting collection calls from Portfolio Recovery. I have never dealt with this company. I got an automated call on X/XX/17 and two on X/XX/17 as well as numerous previous calls. I have told them I am on the Do Not Call List and to stop calling me but they are continuing to do so. I am a XXXX senior and this is harrassment.
Due to my job requirements, I have regularly lived for various amounts of time in XXXX XXXX, XXXX, and XXXX, TX. While living in XXXX in the spring of XXXX, I was introduced to an attorney, XXXX XXXX, who was also know as " XXXX '', who billed himself as a collection attorney. I gave him some accounts to collect that belonged to a couple of my family members and myself. XXXX XXXX specialized in saving persons ' homes that were set to be foreclosed on, while not injuring their credit. What he would do is add the victims ' ( meaning me XXXX name to the title of the debtor 's home. Then XXXX would file a BK under the victim 's name ( again meaning me XXXX which would provide an automatic stay on any foreclosure for 6-12 months, allowing the borrower an indefinite time to stay in their house without paying a penny. He charged from $ XXXX {$10000.00} for this service. I discovered this had been done to me after a couple of months and immediately had the XXXX dismissed and filed the appropriate ID Theft documents with the Government and the Court. XXXX XXXX eventually went to prison. But since XXXX, I have suffered with having a BK on all of my credit reports and having to pay higher interests rates, etc. or being denied credit outright. I have disputed this regularly with the credit agencies and XXXX XXXX, but XXXX XXXX just keeps reporting to the credit agencies that it is valid. If I ca n't get any relief from this complaint, my next step will be filing a lawsuit for damages, and I have had many.
When I was XXXX XXXX in XXXX, I was injured and had to be medi- vac to XXXX . That day, my ex-wife and her son took out student loans without my knowledge due to the fact, I am assuming that they were not sure of my survival. This was all done via electronic signatures and having my SS # and vital info, they were successful in doing this. Once it is set up, all they had to do was keep resubmitting the same info for new loans. 
I was made aware of these loans when trying to purchase a home 2 years ago. I made out a police report, called Navient, and called all credit bureau reporting agencies. These were removed from my Credit Report immediately and Navient advised they would stop all collections and make a report of who did this and go after them. In the time that conversation took place and today, they have sold these loans to 4 different debt recovery companies. Every time, I talk to them, they advise they will send back to Navient and refuse to collect. A few months later, they sell it again. This continues to be an issue and Navient refuses to stop selling these loans or provided documentation of my signature. Not sure what else to do, we received new paperwork from a new recovery company today from XXXX XXXX XXXX. 
There are a total of 9 loans in the amount totaling- XXXX
I have sent numerous certified letters t o Portfolio Recovery Associates LLC t o   XXXX   XXXX     XXXX   XXXX , VS  XXXX  requesting verification of debt. I request my contractual agreement bearing my signature. Letters was sent on  XXXX / XXXX / 2017 ,  XXXX / XXXX / 2017  and another certified letter on  XXXX / XXXX / 2017 . I have been a victim of fraud before this is why I have request my contractual agreement from this company to verify this debt belong to me. They refuse to send this agreement bearing my signature.
My card was recently renewed at my request, and I subsequently was billed from a recurring account that I had not yet provided updated information. Upon inquiry, I discovered that the Visa card information, with Capital One as the user had been provided by either Visa or Capital One or both. I tried to get an explanation and where they had obtained such permission from me. The explanation was that they had the inherent authority to do so, irregardless of their lack of knowledge of my actual account details. They act only with the information that previous recurring charges have been made and do not ask for permission or provide notification. This does not appear be legal and certainly not ethical. I have requested that they provide me details but they only " launched an inquiry '', not accepting any sense of wrongdoing or overstepping their authority. I want such action to require my approval, just as it obviously requires the knowledge and approval of all the credit entities and the merchant9s ) involved. 
This a major abuse of authority as I may have cancelled the original card to preclude illegitimate charges from an ongoing account. In this case the charge was legitimate but they had no knowledge of such at the time they allowed the data to flow to allow the charges.
I will attach two documents that I think will explain most of what we have gone through. This process has been over 1.5 years and very stressful. For over a year we could not get a reason as to what the issue was, I thought I was paying the payments, the payments went up ( I knew they would some ), but went from under {$500.00} to almost {$3000.00}. The company took a few month money, applied to a payment and then returned, when I figured out something was wrong and called they wanted me to send $ XXXX or something. When I said we could n't they said they would help me with a refi ( which I had wanted to a long time since we had an interest only loan, we filled out forms on the phone, made a follow-up appoint time and I thought all was well. At follow up was told was sent to another department and would have to wait for something mailed, then received info about foreclosure mediation program. What a joke. I am normally a huge fan of mediation but this companies idea of mediation apparently is that their part is to agree to accept an entire loan package that they will look at and evaluate to see if they will be able to " approve '' you, just as a new person. So after two session of mediation we did not have all required papers. This wasted 14 months and the minimum acceptable amount became forty some thousand I think ( the loan amount was less than {$130000.00}. The entire time they would accept no money on the loan and still could not tell us what the amount owed was for ( MITI, but we pay the taxes and insurance ), we could reapply for mediation again, but I lost my job so I do not have the monthly income they require, my husband is on Social Security so would do no good. Because of health reasons I have wanted to retire anyway. Finally in XXXX ( 2017 we received notice of why the balance was the amount it is ). The part to me that seems nuts is that this has been our home for 30 years, we have no other bills, my husband has over {$75000.00} in his retirement account and I 've wanted to file my retirement but have postposed because they have my house in foreclosure. I have several choices of how to take my retirement payment, such as in a monthly amount, but there are others also. I am lucky because one choice is a lump sum, so while they will not accept that I have over {$350000.00} in my retirement it is an amount that I can take as a lump sum to pay the loan ( and taxes ) which is a terrible burden to do this way, but at least will likely be able to keep the house timing wise. Others do not have those options. We also have a option of paying somewhere around {$46000.00}, but I can not get an answer as to what we would owe if we paid that amount. What would be the balance, what would the payments be? Tax wise may be better but not if we pay {$46000.00} and still owe the same amount after. I am angry at the over a year with no answers, the company does not work with mediation, I filed a complaint with the DOJ but they have no authority in that area. They walk all over people and take, take, take.
Constantly calling with short ANNOYING statements " CALL ENDING ",  XXXX  THEN A PAUSE AND DISCONNECT and other short comments through out the day Several Times A day ... ..sometimes Just Holding the line.
This Company is reporting that I Obtained a Payday Loan from them. I have advised that I have never received a payday loan from their company and that I was a victim of identity theft. I have requested legal documents like a contract that should be in place if I did such a thing. The company will not respond to me nor verify an information regarding this supposed loan. I have disputed with all XXXX major credit bureaus several times and they keep telling me the company verified.
This was for XXXX billing I vacated the house by XX/XX/XXXX and they have billed me for XX/XX/XXXX I closed the account before I moved out I called them and gave explanation and asked them why I was charged. I filled a dispute online but without any explanation on why I was charged they sent collection notice and added to my credit report. Till now I do n't know why I should pay this amount
This company is over changing me this loan i need them check out. 
The amount was {$8900.00} that had to be pay off in 144 months it was pay off in 39 months the least statement said that I need to pay {$310.00} to pay this loan off I pay {$320.00}. now they saying that I owed {$57.00}.
Discover has called my job multiple times. Starting XX/XX/XXXX.18 until XX/XX/XXXX.18. When i called to tell them to stop because i can not have phone calls coming to my job on XX/XX/XXXX.18. The guy on the phone said that they will keep calling, and to make it stop they need a payment. I explained to him i started a debt management program, and i got behind but i will be dealing with them, and not Discover personally because i have an activate account with them. He then kept trying to set me up with a payment plan with him. When i told him no, he said they have my banking information on file. So i dont know what that was suppose to mean. I then repeated myself, and said i needed the calls to stop because my employer does not allow personal calls, he then said its an automatic system, we can do anything about it. I then told him that there is a way for them to remove my employers number. He asked for my personal cell, which i gave. But i am not sure if he actually did it because he was still trying to sign me up for the program with them. The two people that have called my job are XXXX and XXXX.
I have disputed the debt being reported by XXXX XXXX XXXX XXXX with the company and credit reporting agencies. 

For Collections Account : XXXX XXXX XXXX # XXXX They have not provided proof of debt or any records and have continued to violated FCRA 15 U.S.C 1681
XXXX XXXX and his wife had a XXXX XXXX, XXXX mortgage with XXXX, a New Jersey corporation, for {$240000.00}, which was a first mortgage ( since prior mortgages had been paid off ). In XXXX XXXX XXXX XXXX and Chase Home Finance LLC, apparently acting as a debt collector entered into a loan modification agreement. XXXX XXXX believes that his required payments have lately increased in a manner that he believes is unfair.
I have recently purchased a new vehicle from XXXX. The loan was financed through Exeter Finance Corp on XXXX/XXXX/2016, and they starting blowing up my phone today XXXX/XXXX/2016. When I say blow up my phone I mean XXXX phone calls within a 3 hour span, and 4 of those calls were within 12 minutes. I was in a Managers meeting with my job, so the phone was on silent, and they avoided leaving a voicemail. So once the meeting was over I called the number to see who was calling me, and it was Exeter Finance Corp. I just signed my loan less then a week ago and my payment wo n't be due until XXXX XXXX 2016. So why would they need to call me that many times in one day? I feel as if this is a huge form of harassment, being employed by a finance company myself I know what is illegal. Just got another phone call at XXXX after I already called them to notify them that I did n't want phone calls. They did n't ask me for my number when I called in, but they have caller ID as well as number notifications when calls come in.
I am never late with my Mortgage Payments, in fact, I always add enough money to cover at least the next Principal Payment. 
As I am nearing retirement, I am interested in paying off my mortgage entirely so I am now sending additional principal curtailment checks after I send in my monthly payment check. 
The Mortgage Co credits my payment check to my account in two days, but takes 7 - 10 days to credit my principal curtailment checks. Why? 
They claim the delay is due to " Receiving and Processing ''. 
I think they are earning interest on the money and just not being honest about where it is and why it takes so long.
Transunion ONLY reported " serious delinquency '' : XXXX not paid for 120 days XXXX XXXX on XXXX credit card account which was paid on XXXX/XXXX/XXXX and CLOSED on XXXX/XXXX/XXXX. I requested correction ( filed complained on line XXXX XXXX XXXX, received letter on XXXX XXXX XXXX that investigation was completed and information on report was CONFIRMED ( NOT true because bank told me they can not verify information after 5 years! ) with XXXX bank - no change will be made. I was told to follow up with XXXX bank. 
I have been calling bank since XXXX XXXX, XXXX multiple times and told that Corporate Office will correct the information, i owed nothing etc., thus i never was notified by the bank about " delinquency ''. Today, XXXX XXXX, XXXX, XXXX bank told me that they can not verify record after 5 years. 
Please help to correct my credit report and my score which has been affected by this error and I am not able to refinance my home.
This letter is in response to your letter on XX/XX/2017 related to the debt referenced above. I have settled this debt and paid it in full. However, since this was done over 3 years after the property in question was short sold, paying off this debt has restarted the clock as to when the last action on the property took place to when the debt was paid. 
I have paid this debt in full, and it has severely damaged my credit, and took away my ability to buy a house. I am requesting that you delete this account, since it is no longer open, and is paid in full, it will not harm you to now delete this item. 
According to The XXXX letter reporting a derogatory account IS a collection activity, and after the debt is settled ALL collection activities must cease. 
Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 
I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. 
Furthermore, you have the ability to change the listing since you are the information furnisher. 
Please forward your agreement to the address listed above. You have 10 days to respond to this letter. I will be in contact with you to resolve this matter ASAP! 

I was tricked into paying off this account but the companies council. This was only months before attempting to obtain a mortgage, this showing on my credit report as recently paid did extensive damage to my credit worthiness. This account was well passed the SOL period where it should be affecting my credit report.
Receivable Solutions has reported incorrectly. Each time we try to talk to them we get threatened. Last year they had reported duplicate accounts. Now those accounts are removed and XXXX account has been reported of over {$6000.00} the dates are wrong and the amount is wrong. Yet they will not talk with us even in order to set up payment schedules.
Equifax is improperly giving my personal information to a company called " XXXX without my permission. I received a letter from this company telling me I have a negative items reporting on my account. I do n't if this is a legitimate company or not but when you call them you can not get through to a live person and the website " XXXX '' is not working. This company insists that they are an Equifax company. The letter then has the audacity to ask people to apply their social security number and dat of birth and then mail the letter back. How is Equifax allowed to just share my credit report without me explicitly giving my permission. I would really like this companies practices to be investigated.
I 've contacted XXXX and Experian and transuion on the status on my student loans my student loans are were discharged the XXXX XXXX XXXX XXXX. the companies deleted my student loans completely. the are supposed to show payed and closed and a XXXX balance on my credit reports I would like for the them to reflect this matter! XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX both of these accounts had payment history on them which is effecting my score to be able to obtain a housing loan. I would like for it to be fixed and resolved I called the company and they were not very helpful in this matter at all. I was told that it could not be corrected or added back to my credit reports. I do have some positive credit history on those accounts
Paid off my Chase XXXX card in full by the due date. Balance paid was {$2300.00} on XX/XX/XXXX with a personal check at the local branch in person, XXXX statement confirmed payment date. The due date was XX/XX/XXXX. The following month was billed for interest of {$17.00}. I have paid my balance in full hundreds of times on various cards over the years and have never had an additional interest charge on the following months statement. I contacted Chase XXXX after discussing the issue with our local Chase bank branch manager and was told that the interest was due. In my opinion, they are literally committing fraud on potentially millions of accounts. Would appreciate a refund in full, a letter of apology for the fraud they have committed against me, and XXXX to be financially penalized for fraud.
I had a loan with Westlake Financial that was paid off at the end of 2016 when I refinanced my home and paid off all my debt. Westlake paid the loan but reported the title company that sent the check to the DMV in California as the new lien holder. The title was never cleared for me and nothing was ever sent to me. I called Westlake to help and they have refused to correct the matter. My title company even got involved to ask if they will correct it and they hung up on us. All of these calls are most likely recorded and should be there for review. The DMV said the title company could write a letter explaining what happened and we did but I am still unable to get the clean title. I have no way of doing anything with my car because of this and the company that caused the problem is refusing to fix it.
XXXX XXXX {$190.00} has placed another collection account XXXX/XXXX/XXXX. I have not lived in Georgia since XXXX XXXX, XXXX. I am currently residing in XXXX XXXX, Nevada. I have informed them as of last week when I called to dispute another collection with them for XXXX XXXX/XXXX/XXXX from the same medical business. They are rude and refuse to listen to anything you have to say.
Bloomingdales did not appropriately safeguard my credit account information. Someone accessed my account that had not been used in years and began ordering multiple high-dollar items on consecutive days. The first package arrived to our previous residence and we were notified by the tenants we had receive a package. I immediately notified Bloomingdales on XXXX XXXX that a fraud/security breach had happened and that I did not order this item. They kept me on the phone for over XXXX hours while they tried to figure out what was going on. I was eventually told that the perpetrator was able to order over {$2300.00} worth of items and change the shipping address with NO fraud detection!!!!!! I ca n't even place a single online order without them holding it for verification, but this person was able to ship multiple $ XXXX items to a new billing address???? 
I was told by the representative that they would send out a fraud form and cancel XXXX my store account ( which these charges occurred on and my XXXX ). On XXXX XXXX, the company proceeded to process a payment from my bank account despite my notification over a month before notifying them of the FRAUD!! I contacted them again, spend another hour + on the phone, requested to speak with a supervisor, spoke with XXXX different reps and was advise to fax in my bank statement showing the charge as well as my bill and the dispute information. I did that in late XXXX and I still have not been refunded for the amount they had no right to take from my checking account AFTER I reported the fraud. This company is neither protecting consumers from FRAUD, nor notifying their customers when a data breach has occurred and they owe me over {$2300.00} that they unrightfully took from my checking account after the fraud notification.
I have been customer of Bank of America for about XXXX years. in XXXX 2013, I was out the country for about XXXX month and realized that I had left my wallet and debit card in the taxi I had used to go to the airport and when I got back, I immidiately went to the bank to check my balances and also to report that I had lost my card. However, I was told that someone had used my card while I was out of the country and I was told that some had been using my debit card while I was away and I toldvth ed m that I was XXXX unabl ed to contact the bank and they told me to submit some kind of document that proves that I was n't here when those unauthorized transaction occurred and I did submit a photocopy of my passport and my air Fair to prove that I was out of the country. After doing all that, I called the bank to Ask them if they are going refend the amount that was taken by unauthorized person but I was told that my claim was rejected and they couldnt do anything about it. I was really angry and disappointed because they failed to resolve my issues and as a result of that, my account got terminated and now I am unable to obtain a debit card. I have reported repidetely for my claim to be reconciled but they failed to resolve the issue. I am left with biterness and dissapintment.