WillisBack/dataset-financial-user-claim huggingface dataset:
I had a XXXX XXXX Secured XXXX. The Card was opened XX/XX/XXXX. I put down a {$150.00} Security Deposit towards the secured card. XX/XX/XXXX I was 120 days late and owed {$160.00} XX/XX/XXXX. Without any notice XXXX XXXX applied my security deposit towards the balance of my account XX/XX/XXXX. XX/XX/XXXX I logged into my online account and made the required minimum payment due of {$160.00}. XXXX XXXX did not tell me my account was closed or that the security deposit was applied to the balance. XX/XX/XXXX the balance was XXXX. XXXX XXXX sold this account to Portfolio Recovery Associates. I have disputed this debt with XXXX XXXX, PRA, and all XXXX credit reporting agencies. They all respond that the debt has been verified pursuant to FCRA and is correctly reporting. My credit report incorrectly states the balance on this account is XXXX when it was XXXX. This account was closed by XXXX XXXX and Not at my request and while the account had been brought into good standing. They are incorrectly reporting that XX/XX/XXXX I was 150 days late when XX/XX/XXXX I made the minimum payment due of XXXX on XXXX five days before the due date of XXXX. The Account was charged off XX/XX/XXXX despite the fact the account was brought current XX/XX/XXXX. XXXX XXXX and PRA refuse to correct any of these egregious errors. All XXXX credit reporting agencies also have the proof of this account status and refuse to correct the account.
I was receiving harressing calls and home visits from Tower Loan and wanted their collection actions stopped. I asked my wife to calk and tell them to communicate to me only by mail. So she called in late XXXX of XXXX. She called Tower Loan and spoke to a male. She told him that I am demanding that they stop all communication calls to me, family, friend, neighbors, Place of employment and not to come to our home. She told him that the only communication that is wanted is via mail. She was told that the only way to stop receive that request it would need to be in writing. So on XXXX XXXX, XXXX I wrote a Cease and Desist Letter ( letter and certified mail receipt and delivery receipt will be down loaded ). On XXXX XXXX, XXXX a XXXX XXXX signed & printed her name on the delivery section. On Friday XXXX, XXXX my sister called me and said she received a voice message from a XXXX telling her to have me call him at XXXX. She then forwarded me the voice message. I was very upset by the collection call because I felt that my consumer rights were violated. At around XXXX on XXXX/XXXX/XXXX I called the number and spoke to XXXX XXXX. He said that I owed over XXXX XXXX dollars. I then told him that I would be in tomorrow morning to pay it. After getting off the phone I talked to my wife and told her that my rights were violated and that I have been harressed and something has to done to stop XXXX XXXX and Tower Loan! I then instructed her to call Tower Loan and record the call. My wife and I were lied to by XXXX XXXX. He told her that his notes said that my letter said not to call or Mail anymore which was a lie. She told him that he was harassing us and then he said that we were harressing him and then theatened us by saying we were refusing to pay and proceeded by hanging up the phone. She then called him back and he admitted that he called my sister and left a voice message with his name and number and asked to have me to call him. My wife then began to read him the certified mail receipt letter to him. He then said that he was going to send my file over to his attorney 's office and sue us. He said that it does n't matter what I pay he 's still going to send my file over to an attorney. XXXX XXXX then made a slandering commit to my wife. He told her that if she would stop spending my money that I probly would not have this problem. He then said to her " why am I even talking to you, your not even on the account. Then said that he was going to file a law suit on her and hung up. Both phone calls were recorded. First recording XXXX/XXXX/XXXX XXXX cst and 2nd recording at XXXX cst.
The following collection agency Grant and Weber is reporting two accounts that have been disputed in the past. The company did not inform me of the reinsertion.
INQUIRYS FROM THESE COMPANYS DO NOT BELONG TO ME. I HAVE CALLED AND I HAVE SENT CERTIFIED LETTER AND STILL NOTHING HAS CHANGED. 

1.XXXX Inquiry from XX/XX/XXXX 2.XXXX Inquiry from XX/XX/XXXX 3.XXXX/XXXX  Inquiry from XX/XX/XXXX 4.XXXX/XXXX Inquiry from XX/XX/XXXX 5.XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7.XXXX  XXXX Inquiry from XX/XX/XXXX 8.XXXX/XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
I have been harassed by a XXXX XXXX, who claims he works for Carrington through XXXX XXXX, about the status of my loan and when I will be paying. XXXX has threatened to send up to 4 people to my home to remove my family as we are not speaking to him, as Carrington has repeatedly denied having any knowledge of him and denied even utilizing third party agents. XXXX XXXX still claims he works for XXXX on behalf of Carrington, has claimed Carrington doesn't know what they are talking about, has repeatedly tried to get me and my family members to agree to pay more than what's owed ( I currently owe aprox. {$22000.00} and he told my son-in-law that I owed {$50000.00} ). He has gone as far as to even email 6 different email addresses with my daughters name and our street address, not knowing if it was her, and even though my daughter is not on my loan. I am trying to make right by my loan, but am afraid to trust anyone, whether it be this XXXX character, or someone from Carrington since I have no idea who is right in this matter. I would appreciate being able to deal with one person and will gladly do what's necessary to make my loan whole again, or if I can find another lender deal with another lender. Proof of said emails can be furnished upon request as well as call records from when he called my cell phone.
To Whom It May Concern : I began the process of a short sale with Bank of America on XX/XX/XXXX, over 1 year ago. After 9 months of XXXX valuations, uploading and re-uploading docs already sent, numerous escalations and a complaint with the CFPB, BOA finally approved the short sale and sent closing docs to title in XX/XX/XXXX. Close of escrow per BOX needed to happen no later than XX/XX/XXXX. Unfortunately, because BOA and its 3rd party negotiator did not process my request for SS in a timely manner, the buyer of XXXX XXXX XXXX XXXX # XXXX, XXXX, Az, walked away from the contract ( XX/XX/XXXX ). My realtor quickly put the property back on the market, received a new contract ( {$2000.00} less than prior contract ), and I once again completed the required hardship forms, authorizations, etc, which were uploaded back in the XXXX system. In my hardship letter, I specifically asked that all documents go to the prior Office of the President Negotiator, XXXX XXXX, so that the process could keep moving forward. Once again, this did not happen, an entirely new Short Sale request was opened, and we started from square one with a new 3rd party negotiator. The same series of events are happening, requests for docs already signed, then someone does n't like a date, or they say realtor needs to resign forms, and now, oh we need yet another valuation. We knew that the last valuation was done in XX/XX/XXXX, and yet now in XX/XX/XXXX the negotiator has realized that valuation has expired. XXXX XXXX, negotiator has communicated with me better than anyone over the last year, however, we need BOA, Investor and MI approval QUICKLY, due to a foreclosure date of XX/XX/XXXX being set. At the time I began the SS over a year ago, I had a job and tried to manage my payments. However since that time, I have lost that job, now am on unemployment, and am simply running out of time to get this done prior to a foreclosure date. MY REALTOR DID SECURE A RENTER FOR THE PROPERTY, SO IT IS TENANT OCCUPIED AT THIS TIME BY A XXXX VETERAN. Please note that this Veterans Rent is paid by XXXX, City of XXXX, and should this foreclosure happen ... ..Bank of America will be putting a Veteran back out on the street. We would not be at this juncture, had someone processed all XXXX attempts at this SS in a timely manner. I am asking once again that XXXX XXXX, negotiator with BOA Office of the President, step in and get this SS to all appropriate parties for approval. There was an issue with Mortgage Insurance approval ( placed on the XXXX loan without my knowledge after origination ), which will need to be addressed again. One would think it would be more financially advantageous for Bank of America to accept and approve a Short Sale rather than have the cost of the property moving through foreclosure.
I need your assistance in helping me to get several accounts reporting on my credit file from Unknown removed. These accounts do not belong to me. I was a victim of identity theft ( my wallet was stolen along with my ID, Social Security Card, Credit Cards, and more ). I have notified Equifax of this along with Unknown. However, Unknown has reported to Equifax that these accounts have been verified.
I was contacted by a law office in XX/XX/XXXX/XX/XX/XXXX alleging they were hired by Portfolio Recovery associates to collect a debt they alleged that I owed. I had a lengthy conversation with one of their reps on the phone, whom I actually filed a complaint on, because he threatened me with action he was not able to perform. After getting off the phone with him, I sent a verification of debt request, as awarded to me in my rights. After 3 weeks, I finally received a statement, which showed I owed " Portfolio Recovery Associates '' the money. I have never borrowed money from PRA, therefore they did not send the required and correct documentation. 

A few days later, I spoke with a call center manager within Portfolio Recovery Associates. She thoroughly apologized to me regarding the law office in Louisiana contacting me, and assured that she would have the account pulled from their office so that I would not be contacted by them anymore. She called me in reference to the complaint I submitted to the CFPB. I received a letter in the mail from PRA almost a month later, advising me of a debt I allegedly owed. It was as if the debt was new and they were just getting it back from the law office. 

I mailed them a letter advising that I requested a proof of debt letter from them, and the law office previously and that I had not received anything. Their response to that was to send me another statement, same as the last one, that had their letter head on it, with no mention of who they alleged I owed the debt to. 

I mailed them a response letter back, notifying them that I had never taken money from them, as they were the only company listed on the statement, and they had failed to provide proof of debt. I advised them that per my rights and the FDCPA, they were to immediately remove their reporting from my credit report. 

This all happened well over a year ago. 

I have received no contact from them since that point. I am in the process of selling my home and relocating due to my work. When my relocation company pulled my credit to get me a new mortgage for the new city I will be in, they advised me that PRA was still reflecting on my credit. 

This is extremely negligent business practices and they have no regard for the reporting on consumers credit that they are practicing. In the past, in dealing with them, they have been extremely vindictive and refuse to follow the policies and procedures put forth for collection agencies and I would like this handled. 

I now fear that they will attempt to sue me for these funds, although they have never provided proof of debt to me ( as required ), in response to my complaint I am submitting to you.
XXXX XXXX IS SAYING THIS ACCOUNT IS CHARGED OFF THIS IS NOT TRUE. XXXX XXXX TOOK THE MONEY OUT OF MY SAVINGS ACCOUNT TO PAY THIS LOAN OFF SO THIS LOAN IS PAID IN FULL
I have had my Best Buy Visa card for years and years. I have never been late on a payment. In fact, because I get paid only once a month, I pay 3 weeks early! For some reason, last months payment ( {$30.00} ) did not apply to the account. I started receiving calls which I thought were spam because they did not leave messages. Then one morning as I am driving to work, it is Citibank. I told them I would have to call my bank. They agreed I was always on time and noted the account. However, they have continued to call everyday, at least 3 times a day and sometimes more ( calling both my cell and my work! ). It is 7 days a week. So in the last 7 days, they have calledXX/XX/XXXX ( XXXX, XXXX, XXXX  ) ; XX/XX/XXXX ( XXXX, XXXX, XXXX ) ; XX/XX/XXXX ( XXXX, XXXX, XXXX ) ;XX/XX/XXXX ( XXXX, XXXX, XXXX ) ; XX/XX/XXXX( XXXX, XXXX, XXXX ) and started in this morning XX/XX/XXXX right at XXXX on the dot. This does NOT include the dates/times they have called my work phone. It is harassing and over {$30.00} which I am trying to track down since I made the payment through my bank. I have paid early for years and one misapplied payment has turned into harassment. This is beyond ridiculous and NOT OKAY. I ca n't imagine how they treat someone that actually has a true delinquency because this will be resolved shortly ( either the bank resends or they put money back in my account and I can forward payment on a second time ). Unbelievable and disrespectful.
My husband and I have a mortgage with Chase bank. They collect money and hold in escrow to pay our taxes and homeowners insurance. 
- On or about XX/XX/XXXX, I called Chase to ask them to pay a supplemental tax bill in the amount of {$2000.00} from our escrow account. They paid it. 
- In addition, they paid a second supplemental tax bill in the amount of {$11000.00}. They paid this without our consent, authorization, or knowledge. 
- This payment resulted in a shortage in our escrow account of - {$4200.00}. 
- Our monthly payment includes {$1100.00} in escrow collection, so by maintaining our regular payment, we would replenish in the 4th month - so by XX/XX/XXXX we would be positive. 
- However, they made an error in our escrow analysis. They accounted for paying the taxes they had just paid ( a payment in XX/XX/XXXX and XX/XX/XXXX ). Taxes are paid in full through XX/XX/XXXX. 
- Based on that error in escrow, they recalcualted our payment to {$6800.00}, {$1000.00} higher than our regular payment. 
- We paid our XXXX payment on time in the regular amount of {$5700.00}. Chase will not process it, because we did not pay the additional {$1000.00}. They are instead holding our money in a " suspense account. '' **How is it legal to refuse to apply our money to our mortgage account?? 
- I have called 4 - 6 times. Chase understands that no taxes are due until XX/XX/XXXX. They understand the escrow analysis is inaccurate. 
- I called again yesterday and was told they will report our mortgage as unpaid. We will have a mortgage late on our credit, which will RUIN our credit. 
** Chase is holding our FICO score hostage to collect money that is n't required. The errors are on their end, admittedly.
Today I received in the U.S. Mail a letter dated " XXXX XXXX, XXXX '' from " Equifax '' who is refusing to " delete '' the negative " XXXX XXXX XXXX XXXX '' entry of " Foreclosure '' off my " Equifax '' credit file. I filed for divorce on XXXX XXXX, XXXX. My ex-wife ( XXXX XXXX XXXX ) wanted our house in XXXX, California. So I moved back to XXXX, California. Around XXXX XXXX, XXXX, Family Law Judge XXXX XXXX ordered me in writing via a Court Order to " immediately turn over '' the home in XXXX to XXXX. So I did so. I did n't know until recently that she, not me, but she had STOPPED paying the monthly mortgage after I had physically moved out from it around XXXX XXXX, XXXX. " XXXX '' and " XXXX '', the XXXX other large national Credit Bureaus under the above " legal '' facts and they both have removed the " negative '' foreclosure status off of my " XXXX '' and " XXXX '' credit files. Yet " Equifax '' still refuses to do so. I even mailed " Equifax '' all XXXX pages or so of Judge XXXX XXXX 's Court Order and " Equifax '' is financially penalizing and libeling me for something that my ex-wife had 100 % control over because of Judge XXXX 's Court Order.
my mortgage company miscalculated my escrow account for XXXX. That in turn increased my mortgage payment a great deal for this year. They tell me that it was because my escrow is calculated in XXXX and since my home owners insurance was not due untilXX/XX/. They told me RESPA does not allow for payments to be taken out if the payment is not due with in 12 months. I attempted to look up the RESPA laws.I did find that in section 1024.17 (c)(9) explains that if a bill is due more than 12 months away that the escrow payment should be calculated according to how many months away the payment is due. So Im my case the insurance should have been calculated for 14 months. I asked them to explain it to me but all they did was send the same letter that says payments can not be taken out for more than 12 months. I want the law that supports their claim.
In XX/XX/XXXX I became XXXX payment delinquent on my auto loan with USAA. Upon returning to work in XXXX I called and made arrangements to pay XXXX payment and portion of the past due amount until I was current. In XX/XX/XXXX {$120.00} was applied to late charges despite my intent and misleading statement from the representative who assured me it was their process to apply payments in this manner anyway. When I realized what had happened I spoke with another representative on XX/XX/XXXX who told me this would be corrected my requesting a misapplied payment reversal. Once again the payment I made on XX/XX/XXXX a portion - {$26.00} was applied to a late charge and the reversal that was promised did not happen. After a conversation on XX/XX/XXXX in speaking with a very rude representative and her manager, they basically stated the policy is they always apply to late charge prior to allowing the consumer to pay to past and future payments. I stated this was unfair and deceptive, they stated I had no recourse ; but to accept this. In going through my pay history in order to allow these fees to accumulate there has to be a variation of this policy ; but they would not consider it. At the end of the day applying in the manner that they claim is " policy '' allows the bank to continue to incur fees on top of fees because it would take the consumer a lengthier time to become current.
The complaint started with the physician 's office and XXXX XXXX XXXX XXXX. The physician sent my blood samples directly to the hospital lab even after i asked they hold the samples till the end of day so I could check which of the two lab options my insurance company offered was the less expensive option as I was still trying to fulfill my deductible for the year. The doctor 's office is affiliate with this hospital and therefore my bloodwork was automatically sent to the hospital - the more expensive lab option. My responsibility was {$310.00}. The competitor lab was the second option the doctors office could have sent the samples to since the practice also had an account with them and they were also in network with my insurance company. The competitor lab charges would have been {$120.00} for the same batch of bloodwork. I tried to negotiate with the hospital to " match '' the competitor fees and they refused. They were willing to go down only {$100.00} so my balance would have still been {$210.00}. This was a " spot quote '' by the hospital and i was expected to give them a card number on the spot if I wanted the discount. Since I was driving when they called, I could not oblige. They sent me to collections - RSI. RSI first contact with me was by phone was XX/XX/2018. I called back in XXXX and asked for a Debt Validation Letter since I never received one in the first place. The woman I was speaking with on the phone did not know what a Debt Validation Letter was but said I would receive one in the next 7-10 days. What I received almost one month later was an envelope with insufficient postage ( the post office actually stamped the missing postage and circled it - see attached ), my actual medical tests with my medical results AND another patients medical tests and reports ( a pathology report ) attached to mine. This individual is in no way someone I know or am related to. Both reports had medical diagnosis, and other sensitive information such as DOB, SS #, addresses, insurance company names, and so forth. I wanted a Debt Validation Letter. Instead I received my medical tests and an unrelated parties medical tests - from a collection agency mailed to me in an envelope with insufficient postage. I wonder how the elderly man who's pathology report I received would feel if he know I was privy to his most sensitive personal information and condition due to RSI 's  incompetence. 

I mailed a Dispute Letter ( see attached ) and received back yet another " we did everything we were supposed to do and pay up '' demand. See attached.
I have made contact with XXXX XXXX on XXXX/XXXX/XXXX regarding a FHA Loan on my credit report. They have taken NO action. This mortgage loan was opened in XXXX/XXXX/XXXX address is XXXX XXXX XXXX XXXX, MO XXXX phone numberXXXX reported XXXX the social security number on the account is one number off of my social security number. 
The account number is XXXX date of last payment is XXXX I need this and all the alias names that are from this account removed ASAP as I I trying to get pre approved for a home mortgage. 
Equifax is reporting it on my credit. 

XXXX XXXX phone number is XXXX Please notify me ASAP as this is causeing me to not buy a home
I paid {$64.00} for cloth in XXXX XXXX store using my Debit card, which i have receipt till now. 

After 2 months they send my personal account details and SSN and DOB to collection agency for charging debt which i never owed. Since last 4 years they added {$270.00} with some interest. They are keep sending mail and calling to me. I was not able to find what was the issues, XXXX XXXX department / XXXX never helped me to resolve this issues. My credit history messed up because this fraud or some kind of illegal process by XXXX. 

I have chat history with XXXX XXXX customer support. I want to file case against XXXX / XXXX XXXX. 

XXXX share my personal identity to XXXX different collector agency which is here below, XXXX. United recovery system agency - call @ XXXX / fax @ XXXX / XXXX - XXXX XXXX. XXXX - please find attach document XXXX. XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX | MO | XXXX XXXX : XXXX Fax : XXXX Web : XXXX | Email : XXXXXXXXXXXX Regards,
I have a mastercard from Sears ( SYW ). This company offered a promotional balance transfer for the transactions of {$500.00} and over would be paid within next 12 months after the purchase date. I made few purchases over {$500.00} in the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018. They have charged me twice the amount of charge meaning once they added that amount into current balance as well parsed that amount for payment over 12 months. This's called 'double dipping ', I called multiple times, agent do understand my point but unable to help fix fraudulent charges made by credit card company. They would always hang up and disconnect the call. Now I think it's useless to call them anymore. May I seek your attention to get it fixed while imposing any penalty for this fraud committed throughout the nation. Should this case be referred to courts, may I seek competent attorney who can help resolve this issue?