WillisBack/dataset-financial-user-claim huggingface dataset:
I have attempted to resolve the debt and we could not come to an agreement. The debt collector has started calling me at work. I have told him twice that I can not receive personal calls and may lose my job. When I said " DO NOT call me at work! '' he said " that is not an option ''. He states that he is a representative of XXXX XXXX  to persuade my co-workers that is an urgent matter concerning my insurance. This is a lie and deceptive practice. While the creditor is XXXX XXXX  he is the debt collector NOT the creditor.

His Name : XXXX XXXX  Company he works for : CU Recovery His phone number : XXXX
I have received at least XXXX solicitations for a balance transfer from CapitalOne over the past several weeks. I decided to accept their offer onXX/XX/XXXX at approximately XXXX. Upon completing the informationfor the transfer, Capital One shut down my account due to " suspiciousactivity ''. When I called them, they cut me off XXXX before asking me aseries of questions, which had no answer from a representative whodid not have a capable command of the XXXX language. Questionsincluded the age of my father, which I answered correctly, a car that Iowned XX/XX/XXXX, which I answered correctly, and towns where I lived, which did not exist ( e.g. XXXX, NJ-there is no town called XXXX, NJ, I did tell them that I lived in XXXX County, NJ at some point, whichserved to confused the issue ). They informed me that I would have to filepaperwork to re-open my account due to possible fraud. This is not thefirst episode of ridiculousness that I have had with Capital One.
My yearly property taxes are {$960.00} -- Nationstar Mortgage collected so far {$800.00} in escrow payments, to pay for my yearly property taxes of {$960.00} --. 
Yet Nationstar Mortgage are still demanding, that I pay an additional {$800.00} -- ( 10 months @ {$80.00} -- ), which means, they want to collect {$1600.00} -- p.y. in escrow payments, even though my property taxes are only {$960.00} --. 
To my knowledge, they are only entitled to keep a " cushion/reserve '' of {$300.00} -- p.y. 
Hence, they ought to refund me {$500.00}, to bring down the escrow cushion from the present {$800.00}, down to a {$300.00} -- " cushion '' ..
Company called a family member and my place of work multiple times, starting XX/XX/XXXXst and continued calling on XX/XX/XXXX. They told both they were trying to collect a debt from me. They did not call me or try to mail anything to me. When I called them, they told me the original creditor was a day away from suing me and I needed to pay XXXX XXXX XXXX that day. They only sent me an " offer letter '' email ( attached ) and would not send me any physical mail. They gave me no information to validate this alleged debt, and the bank says I don't owe them money and they were not in the process of suing me.
My husband and I recently applied for a loan with NVR mortgages for our XXXX. 

In our loan estimate ( attached ), we were charged a full year 's worth of property taxes at closing in addition to being asked for nine months of taxes to be held in escrow. My husband and I thought that the 21 months ' worth in taxes was excessive and asked the loan officer XXXX XXXX to only hold 2 or 3 months in escrow. She refused to change it but did ask the NVR settlement company to confirm 9 months was correct. The settlement company she was wrong and only 2 or 3 months was needed but XXXX only said it was a " computer issue '' and still never sent an updated estimate. 

NVR and XXXX XXXX offer an incentive for using their preferred lender of {$15000.00} towards closing cost. The 21 months in taxes we were being charged totaled {$13000.00}, so it seems as if they were trying to exasperate charges to recoup for the incentive. 

XXXX XXXX also ran our credit to determine our loan eligibility but did not disclose to us our actual scores. We asked her several times for the written scores and her response was " give me a call. '' We declined to pursue a NVR but still asked for the incentive and complained to XXXX XXXX ( XXXX 's superior ), but she told us NVR did nothing wrong. 

NVR also did an unauthorized credit check on my husband and I around XXXX XXXX, long after we asked for our files to be shredded.
Not verified, not liable,, no legal contract, not mine. I received a copy of my credit report XXXX XXXX at that point I saw a collection account from the Company Receivable Recovery Service, I sent out a letter in regards to this debt asking for verification and validation of this debt to the company .I never received a return response from the company via mail in regards to the letter I sent after 30 days. I sent another letter, still no response, But I did start receive ugly phone calls of harassment and threats early morning and night calls .I tried to explain that I had no clue of this debt and that this was not my account .The caller was very rude with a nasty attitude to the point I asked them to stop calling me because .I also sent out letters to the bureaus asking them for verification from Company. I never received the verification information, but I did see where on my report it was updated as verified .How can they verified something I did n't do .I HAVE HEALTH INSURANCE AND HAVE HAD INSURANCE ALL OF MY LIFE therefore it is no reason for me to owe a medical debt besides I never went to the hospital or was sick for any reason that 's why I requested verification when I say a medical charge. .Last month I decided to send off a letter asking for that verification again to the Credit bureaus soon after I received a letter from Receivable Recovery Services for the first time ever stating they mailed me papers back in XXXX of XXXX which I never received and they told me that my limitation for verification had expired at the end of XXXX XXXX .I HAD NO KNOWLEDGE OF THIS ACCOUNT AT ALL..How can my time expire about something I have no knowledge of. I had  no clue about this debt until XXXX and I Immediately disputed this, Also after being denied verification from the company in the letter I received, I was threaten that if I continue to send letters asking for verification That I would be forcing and demanding to take other actions against me .They also stated they had taking care the issue with me .How can you take care of the issue with a person, when that person really have no knowledge of this debit because it do n't belong to them and your trying to threaten and bully them to allow you to report something that 's not yours .They have no interest in doing the right thing .They only want to collect money and damage my consumer report .They did n't satisfy this with me all they 've done was harass, threaten and bully me .They need to remove this account because its not mine, It was n't authorized by me, I Never signed a contract and they ca n't verify it.t I did n't even know this existed .I am very upset .This is wrong .A company just putting negative accounts on your report and you 've begged for verification because this is n't your debt, therefore it should n't be reporting on your credit report. This Company placed negative information on my report that affected my score negatively and now I 'm being threaten .THIS ISNT MY DEBT .Dealing with this company has been a nightmare.
I have a home equity loan that reset to more than double the initial payment. The loan has a variable rate and keeps rising as the Fed razes rates. This loan has all the ear-marks of a predator loan. 

The lender, Bank of America, is not consistent in mailing monthly invoice. I call asking for an invoice to be mailed to me and I am told it is a courtesy.

How do I determine what to pay each money?

I tried applying for a loan modification a couple of years ago. I was assigned a case manager, Mr. XXXX XXXX. He was as Not, very courteous with me badgering me, curt in his replies and not even keeping our phone appointments to keep me apprised of the progress. 

Finally, I was fat out denied the modification. 

Recently, I received notification of a due date change to he XXXX from the XXXX. See the last invoice I got and the change letter. 

I am struggling now and have to wait til I receive retirement benefits to make the payment which is already late. 

How can they change the due date we have already agreed to and implemented for several months???
This is a formal notice that you have failed to respond in a timely manner to my dispute letter concerning the accuracy of what you have on my credit report. Under the FCR A 15 USC 168i ( 5 ) (  A ), you have  30  to respond to my request for verification of the erroneous items. Your negligence has cause me harm, since it has affected my ability to obtain new credit. Since you have NOT PROVIDED ME NAMES OF PERSONS you contacted for verification, per  15 USC 168i6Biii,  nor complied within the statutory period, I assume that you have not been able to  re  verify the information I have disputed. Therefore, you must comply with the provision  15USC section 168i  ( a ) of the FCRA and remove the disputed items from my credit report immediately. If I DO NOT receive a revised credit report, free of charge, with the items removed at the address stated, I will pursue my legal rights with an attorney unde r 15 USC section 1681n or 1681o  " Civil liability for willful noncompliance. '' Your credit bureau may be liable for  :   1.  actual damaged I sustained by your failure to delete items  2.  punitive damages as the court  may  allow  3.  costs of the court action, plus attorney 's fees
On a recent review of my credit report, I discovered your company XXXX XXXX, XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature. A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt They said that everything is verified and accurate to all three credit bureaus but it is Based in there word without any physical evidence. They must produce also produce the above or delete or entry from all 3 credit bureaus.
I have contacted Experian to get erroneous negative information removed from my credit report for a company, XXXX XXXX XXXX, for which I have no knowledge. Experian says they have received certification as to accuracy but this is impossible as I have no knowledge of the account for which the company is trying to collect. Experian does not provide any details or contact information to get this matter cleared up.
On XXXX XXXX, 2015, I requested by phone, my free annual credit report from all three credit reporting agecies. It was indicated that it would take fifteen ( 15 ) days to receive the reports. As of today, I have not received any reports.
My wife and travel frequently for business. We have banked with Bank of America for years. 
We typically use our main account debit card to get cash in local currency at an airport ATM when travelling internationally. This worked for my wife on XXXX/XXXX/2016, for instance, in XXXX. At the XXXX my wife was unable to get cash using her card through an ATM in XXXX. When I went to our local bank branch and spoke with the manager, I was told that BoA now requires posting a prior travel notice online in order for international ATM transactions not to lock a debit card. She said that if such a notice was posted, the card would work unless there were other " suspicious security factors. '' On XXXX/XXXX/2016 I posted such a travel notice on the online banking BoA site for my debit card and received an email receipt. On the morning of XXXX when I tried to use my card to get XXXX from an ATM in XXXX airport as per my travel advisory, my card was locked. I spent over 40 minutes in the airport trying to get through and finally was told by an automated system that the office would not open until Monday. I was finally able to get XXXX on XXXX. 
When I returned to XXXX, I went to my local BoA branch and made an appointment to speak with the same manager that I had spoken with before. Her assistant confirmed that the card had been blocked, that there was a valid travel notice, and could not cite any other security issues. When I returned, the manager was unavailable and did not call me back. Her assistant promised that I would receive an explanation of my card blockage by Monday, XXXX, but I have not been contacted. 
I find this both extremely frustrating and dangerous. My BoA branch can not explain why the card was locked. My online alerts document that I posted a travel notice but mention no security issues. The process of trying to get a card reactivated involves yelling personal financial information into a cell phone in a crowded and noisy airport. And since work has required my wife and I to travel over the past few years to XXXX, XXXX, XXXX, XXXX, and XXXX, I do not approve of any " security '' scheme that prolongs a traveler 's time in an airport or other public transport hub.
apply for XXXX loan {$90000.00} all paper submit their was and that appraisal by their peoples and it was appraise at the {$90000.00} so I through the loan was going thru but later it was denied because they did another appraisal it was a XXXX finance by XXXX the loan did not change so why another appraisal. 
file XXXX
We are a victim of Ocwen mortgage and their fraudulent activities, such as adding misc fees and misdocumentation of our payments. They refused us a modification after 4 months of sending us letters stating " loan modification is available to you, '' then simply sending a letter stating through various successors and mergers our loans current investors wo n't allow a modification. We obtained and paid what we thought was a reputable attorney who was able to get a modification for us, they would not reveal the terms until after we made the trial payments. The terms were for us to sign we now owe {$200000.00} ( the original mortgage was for {$190000.00} in 2006 which we have paid over {$150000.00} of over the last 9 years XXXX and after paying for another 22 years they want us to pay a balloon payment of {$110000.00}! The attorney 's office originally told us not to sign until they clarified the numbers since it sounded " a bit off '', really? After nothing was done about this severe miscalculation the attorney 's office sent us an email on XXXX XXXX stating we need to sign and overnight the documents by XXXX XXXX to the opposing council ( attorney 's for Ocwen ), to which we replied ( are you kidding?!! ) we will not give up but we really do not know where to turn anymore!
Portfolio Recovery called me in XXXX around XXXX. They told me about a debt they bought and I paid it. Then they told me about a second debt they had. I told them I would pay it later 2-4 wks? But I got a job offer that required me to move and I needed the money I was going to pay the debt with. They called me once a month then once a week before I had the money again to pay them. I got angry and changed my cell phone number. However I applied for credit again and shortly thereafter XXXX  started calling me again, sometimes 2-3 times a week. I had received an email from them asking my permission to contact me that way and I agreed. After numerous calls, I emailed them rescinding my permission for all contact. When they kept calling me, I sent a letter. I answered a few of their calls and asked them to stop calling my personal cellphone. After they say they're collecting a debt they say they can not take me to court and it feels intimidating. If they can't take me to court bc of the age of the debt and I've asked them to stop calling me WHY ARE THEY STILL CALLING??? I DO NOT RESPOND TO HARRASSMENT AND INTIMIDATION.
XXXX XXXX XXXX is reporting over $ XXXX in debt on all three of my credit reports. I contact the company on XXXX XXXX to get validation of the 6 debts and never received said information. On XXXX XXXX, XXXX I sent another letter certified listing several items that I was looking for to validate the debts.In addition, I contacted both the original XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX to get clarity of the debts and they both said they did n't have any debts in my name and when I asked about my daughter they could n't find said information as well. State Collection Services sent me a itemized list of specific medical procedures and dollar amounts of said procedures that they list was supposed to have been preformed on my daughter when she was a minor. ( HIPPA Violation ) they never sent a signed copy of my alleged signature authorizing said procedures or agreeing to pay for these debts nor have the company provided something proving to me that they have permission to collect on said debt as the original creditors listed above states they never provided State Collection with debts nor my daughters personal information in which they have. I have never authorized a third party permission to look at nor receive personal information on my daughter nor myself.
Recently I opened a money market account at 1.8 %, a rate advertised online. My interest rate quickly dropped to .33. Today XX/XX/2018 I called the bank to see if there was anything they could do. They said no. I went online to search for a new bank account and found this same bank advertising 2.10 %. I called the bank back and spoke to a supervisor XXXX, and again they would do nothing. I said they were leaving me no choice but to file complaints and they said they could not help me with this.
On XX/XX/ 2019 Mr. XXXX ' wife, XXXX XXXX, contacted XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX in XXXX, FL, via telephone to ascertain what the procedure was for a repair to one of her rings. Soon after we received a letter that our account had been closed upon calling the financing Company XXXX XXXX  we were advised that the card we have had with XXXX XXXX for 5 years + and an account in good standing had been closed by us, upon re-battle the statement XXXX XXXX  Representative made up, to the point that they mentioned we had apply for financial hardship which it was incorrect, they also implied that I XXXX XXXX had called and not advised my wife ( which that is impossible as she handles ALL the household financials and just keeps me up to date ). A few days later come to find out that another account had been opened on XXXX XXXX2019 under my name with a credit limit of {$5100.00}. A charge was then also made via XXXX XXXX  online in the amount of {$5100.00}. I attest and swear under oath if needed that I XXXX XXXX nor XXXX XXXX requested for our current XXXX XXXX account to be closed nor have ever requested to open a new account. We the XXXX 's wife and husband have spoken with several representatives from XXXX XXXX and have opened a fraud account with their card services provider, XXXX XXXX XXXX XXXX.
On XX/XX/2019 I had XXXX available in my checking account I paid a bill in the amount of XXXX that was debited immediately from my account leaving me an available balance of XXXX I received a text message after I paid the bill. later that night I had an emergency so I debit {$300.00} from my account and was notified I will receive {$35.00} overdraft fee for the transaction leaving my account negative XXXX. on XX/XX/2019 I receive notification my account is negative XXXX which is the amount including the overdraft fee. Then on XX/XX/2019 I receive notification that my account is overdrawn XXXX because my payment of XXXX that was debited immediately on XX/XX/2019 and the overdraft fee. This is not the 1st 2nd or 3rd time I have been charged for transactions that had been completed already.
Hi i sent sent Equfax XXXX XXXX letter to validate an alleged dept on XXXX XXXX 2015 registered mail ( XXXX ) according to XXXX post they recieved letter.I excersized my lawfull right under section section 611 ( a ) ( 1 ) ( a ) their method of verification pursuant to the fair dept reporting act. I gave them 35 days to respond, they ignored mt letter. I sent another letter XXXX XXXX 2015 registered mail ( XXXX XXXX ) according to XXXX post they recieved this letter also.This letter basicaly told them they are non compliance of the fdra for not responding this dept has not been validated and its against federal law to keep reporting it.Please delete this derogatory item immediately.They had 30 days to respond any further delays are inexcusable. This is now been 60 days no response, they have blatant disreguard of the federal law.I sent out 3rd letter again excersizing my lawfull rights i told them under section 609 ( a ) ( 1 ) ( a ) i asked to see phyically see an origional signed certifyed consumer contract with wet ink signature on it.Copies of copies are not validation and by law are not considered proof.They have ignored three registered letters and are in serious violation of fcra.Due to their lack of response i presume that there is no proof of alleged dept, nor therefore any such dept, in fact exsists.According the the fdra any inaccurate or any unverifiable dept must be deleted.I want to have equfax comply with the federal law and delete this derogatory dept immediately.
XXXX XXXX XXXX is a shame. I want a current report that I can download and retain. For years I was able to get an annual on-line credit report. Now after I give out all my personal information, I get a standard PDF form that I must send in to get the report. I want to download my most current report and not get a hard copy mailed to my address that is a month old by the time I get it. I do n't want hard copy mailed to me ; I want do download a current version copy. Why do I have to verify all my information on-line if at the end of the exercise I have to complete and send in a hard copy form????? Is this just another exercise to collect data on me????? I do n't want month old hardcopy mailed to me sitting at my doorstep that anyone can pick-up and use to steal from me.
On Friday XXXX XXXX 2015 my car was unlawfully repossessed by a GPS tracker device placed on my vehicle by the repossessing agent that was authorized by the lien holder Title Max. I have done my research and in the state of Texas you have to be a license Private Investigator and have a signed contract by the ones who hired him to perform this. I would like to know who the Private Investigator was and I would like to have a copy of the contract. Then when I called them, they stated that my vehicle was reposed on a different date, the documents did not match up, and the manager there told me that he was helping me out. They mailed a certified letter weeks after the car was repossessed they never sent a certified notice before they reposed they vehicle. The finance company is not information that the finance inclose.