WillisBack/dataset-financial-user-claim huggingface dataset:
I called Porfolio Recovery Associates twice today to stop calling me and harassing my family. The person ( s ) name given who they were looking for was close to mine but not me. It 's happened before and I have had to go after those debt collectors for mistaking me as the person they are looking for and then harassing me even after I have proven I am not the person they are looking for. 
This company has been calling my number under a variety of caller id 's and different numbers. I have traced back to them for some time. They ring my home all hours. Today was the last straw as I have previously requested they stop calling me. I called in the XXXX today just after XXXX and requested they stop calling. They wanted to know if I was XXXX XXXX or XXXX other names of which none were. 
I told them I am familiar with their poor practices as they bought this XXXX debt for cents on the dollar just like the last company unless they are all the same just renaming themselves. The same company that called two decades ago started calling all over again and I had to file on them again. My name and number keeps getting sold to sleazebags like this who say will remove me from their list but they just sell it. 
I have had to go after XXXX for falsely accusing me as some XXXX woman they claimed was at my number but never was. 
25 years ago I took over this phone number from a male, who had it for a decade prior. He had no female associates or wives. 
I called PRA and I requested this afternoon to speak to their litigation department. I politely requested to have their mailing address and to record them but after 10 requests their attorney of representation would not give it to me. I gave her my phone number which she stated was NOT in their records.They have harassed me yet they CA N'T give me their mailing address so that I can send them a cease and desist letter??? That 's harassment also. 
I use a voice recording and call service that logs ALL calls including hangups. Several of the numbers will say PortfRecovery, or Account Services so I call them and ask them to stop calling. 

A couple of decades ago we started getting these calls. I helped the first firm ( I have the letter in a safety deposit box which I can provide if needed ) who were not to be dissuaded at first that they were close in name but it was not me nor my ss #. I wrote them a letter which I still have requesting they remove my information tied to that debt. 
PRA is now harassing me all over again. I have a spotless credit record. I am not the party they are looking for and I have requested they STOP calling me XXXX, even if it 's a different number they use, it 's the same company. I have logged their calls. 
I want no further contact by the business and that they destroy any reference to persons they associate with my number. And if they have a debt, it 's not mine as my stellar credit will attest to. They must destroy and never sell my information, address, telephone or any names they have associated with it to their subsidiaries, or sell off to.
XXXX XXXX with The Phoenix Recovery Group has contacted me several times via phone calls and emails concerning a debt that she says I owe her client XXXX Apartments in XXXX Texas. I have been in disagreement concerning this debt for a long time. I have considered trying to workout a payment plan because I simply wanted it off of my credit, but when she sent me her documentation concerning the debt I noticed several things that were invalid and several documents that I never signed or consented to I told her I was in disagreement and I would dispute the debt, she then said that since she had a copy of a signed lease she will just list me as a refusal to pay because I started to request more information concerning the debt. She is saying that I owe, {$4700.00} in debt the original creditor has no records of the account, she also says I owe a judgement, when I contacted the court, they had no record of the account. The account was a joint lease account but she has the full amount listed on my credit, but sends me emails saying that I would only be charged half. I told her I would dispute the debt, she became upset telling me that is why her company do n't give payment plan letters she also told me that my separation from my ex was not a reason to get out of paying the debt. She was rude, and her collection efforts were totally against the fair credit act. The documents she provided had no return address or number on them, they are documents that I had no idea existed, they look altered to me, and I do not feel comfortable sending this company anymore money concerning this debt. The experience I had concerning the entire issue was very emotional and for her to mention a very sensitive time in my life that she knows nothing about was very unprofessional and completely unnecessary.
New reporting from Enhanced Recovery Company on credit for debt with XXXX XXXX. Have reached out to XXXX XXXX multiple times and every time I have called they have no record of prior phone conversation. Disputed debt with ERC. I had tried to cancel service with XXXX XXXX 3 months prior to getting it turned off. They had charged for the equipment which was returned. They placed the debt with a different collection agency which was disputed as well. I was told I would hear back from them if there were any problems. I heard nothing. This new collection agency stated that XXXX XXXX would have had to notify me prior to them taking the account in XX/XX/XXXX. I did not receive information. The costumer service at XXXX XXXX is never able to help me and every time I call I am on the phone getting changed between departments for over 30 min or the call some how gets dropped. I have not had proper communication or notification about this debt and have tried to resolve the problem over the last year.
I have a collection account on my credit report that show Commonwealth Finance is handling for XXXX services. I have requested several times for the said business to send me documentation of the said debt. I spoke with a representative on XX/XX/2016 stating that this debt was not mines and that I had never been notified of the debt. I also communicated to the representative that they had the wrong address on file and he claimed that I would receive a phone call/letter in mail regarding the debt. I called and spoke with a representative on XX/XX/2016 stating that I have not received a phone call neither have I received any documentation by mail. I have been disputing this debt for some time now and still have not be able to get the matter resolve. Still have not been able to receive any documentation showing I owe this debt.
SYNCB/Banana Republic Credit Card. I paid this credit card off in full in the amount of {$8600.00} in XXXX of XXXX. At this point, I tried to close the account but was told I could not do that yet. The following month an automatic deduction was applied to the card with out me knowing it. I receive a bill for this amount to my new address. I moved to a different address in XX/XX/XXXX. I paid the full amount. I received another bill which was being forwarded to me from my former address. I then paid the same amount again thus, overpaying. I refund check was sent to me but I did not receive it because by then my forwarding mailing address had expired. I never heard from SYNCB/Banana Republic Credit Card again. I thought the account was paid in full and closed. In XXXX of XXXX I received a letter from this bank saying the account had been turned over to a Collection Agency in the amount of {$410.00} I do not know what or why I owe money on this account. The majority of the amount owed is due to interest on the some unpaid amount. I 've been in contact with this company and trying to resolve this problem. Since I moved and the forwarding address expired I did not receive any documentation from this company until recently. I want to resolve this issue and pay anything that I owe to SYNCB/Banana Republic Credit Card.
I twice disputed with XXXX a line of credit loan that originated with Pentagon Federal Credit Union in XX/XX/XXXX and paid off in XX/XX/XXXX, in which I requested removal of late notations on payment history on XX/XX/XXXX in a letter to Pentagon Federal Credit Union. The letter spelled out the reasons I thought payment history notations should be deleted. 

In the meantime I received an undated and unsigned letter with the envelope dated XX/XX/XXXX from  Penfed 's mortgage records department with closing papers from this old loan signed by me in front of a notary XX/XX/XXXX. The letter stated that an audit had revealed that I never received these closing docs back from Penfed after closing. 

This loans purpose was to establish a line of credit for me as part of a modification of an existing loan to be paid off. The interest rate was more than if I was to do a regular fixed rate home equity loan but found it attractive that I would be able to use excess for a line of credit as needed. Unbeknownst to me because I had no loan papers from Pentagon Federal showing they closed my line of credit a week or so after I closed on loan and I would n't be able to use the loan as I expected. This would have come in handy in months where I was short and could have made a payment. 

I believe there are issues with Regulation Z compliance regarding how the closing docs were n't released in a timely manner.
Wells Fargo Home Mortgage failed to deduct my automatic mortgage payments from my bank account in XXXX 2016 as scheduled due to no fault of mine. This resulted in a late payment being reflected for XXXX in my credit reports. I have spoken to WF numerous times since XXXX XXXX, 2016 trying to ensure that they correct this information with the credit reporting agencies. WF sent me a letter dated XXXX XXXX, 2016 stating that they had updated this information with the credit agencies. I will upload this letter for your review. I continued to monitor my credit report information and did not see that corrections had been made. When I called WF on XXXX XXXX, 2016, I spoke with XXXX XXXX, Executive Resolution Specialist, and he said that the XXXX payment was shown as late and it was reported in XXXX. He said the negative reporting was done XXXX XXXX, and the negative reporting was also surpressed on XXXX XXXX. He sent me a letter dated XXXX XXXX, 2016 documenting that they had submitted corrections to the XXXX credit reporting agencies in order to remove the late payment reflected on my credit reports. I have never been late on my mortgage payments, and have spent hours on the phone with the WF and the credit reporting agencies. When I spoke to XXXX on XXXX XXXX, 2016, they informed me that the correction has not been received or posted yet and I submitted another online dispute with them ( letter attached ). XXXX has also not received or posted the updated information to correct my credit report, and I submitted a dispute with them also ( letter attached ). Per my call to XXXX on XXXX XXXX, they indicated that they have corrected my credit report, but I am also concerned that this may change since the credit reporting agencies share information. I am asking for your assistance to intercede on my behalf to resolve this issue. I would also appreciate receiving updated credit reports from the credit agencies, since I pulled my once a year free credit report in XXXX for all XXXX credit agencies. In XXXX my credit score was XXXX. In XXXX, it fell to XXXX. In XXXX it was XXXX. Gratefully, I am not trying to buy a house or a car at the moment, but I am very concerned about ensuring that my credit reports continue to reflect accurate information. This is vital not only to my financial profile, but also to me in my employment for the government because my job requires credit background checks for our security credentialing process. Please contact me if you have questions or require further information. I appreciate your assistance in resolving this matter.
I got a loan for a mortgage in XX/XX/XXXX from USBank. In XX/XX/XXXX they transferred the loan to USBank home mortgage. My payment was over XXXX a month and then reduced to XXXX a month. In XX/XX/XXXX I received a notice that my escrow analysis stating that I was over XXXX short and my payment would go to XXXX if I did n't pay the escrow shortage. I could n't understand how it could be so short since taxes and home owners insurance increased very little. I called them several times without any resolution or explanation on how my escrow was short. I have worried about this for XXXX months getting no actual explanation. I asked several times to sit down with a mortgage person and go thru all the paperwork to explain to me where and when the shortage transpired. I was told they do n't have anyone available since mortgage people are only for new loans or applications. What ever happened to service after the sale. I called my branch bank who tried to help me only to tell me to deal with the same people who had no explaination. I was so annoyed on my last call to them I lost my composer out of frustration. They do n't project concern on the pressure and uncertainty that I worried about for months. Today I receive a letter of apology that it was a bank error. As a financial instituion how could no one explain this for XXXX months and let the error continue for XXXX months. I had to be the one to force them to admit the shortage that was due to their negligence and incompetence for XXXX months. The error is very upsetting since they took so long to adjust my payment. Now I will have a higher payment that will put undo burden on my monthly budget. In the letter received today they are offering the escrow shortage can be spread over XXXX months. I find the lack of explaintions I was entitled to is unacceptable. 
I wonder home many USBank customers have been impacted and maybe do n't even know.
They will not let me access my account without jumping hoops I want them to fix it or take their app down they made get it now I want it fixed or took down as soon as possible every other credit card fixies promblems they do nothing but tell that dept is not open and they tell you there hours I 'm sick of them can I see a lawyer
Wells Fargo illegally charged late fees and demanded payments while in school, they also have applied the higher interest rate associated with past due accounts. I now have over XXXX in interest applied to my student loan.
Equifax security breach took far too long to be made public, my record is indicated as compromised.
Fay servicing respond to the complaint, and only resolved 1/2 of the problem.  BOTH late notes should have been deleted ( not just the one that they deleted ) ... the late reports, and fees were all part of the same issue ( hacked checking account and documents sent to Fay on 7 occasions ). This ongoing issue with Fay is hurting our credit score and the ability to get a mortgage.
Below is the email that I sent to Fay on 4 occasions, going back to XXXX, 2017. 
Hello XXXX, Once again thank you for sending the summary / account activity report on our account. 

Please note the following as to our account. 

We have been and continue to make two payments per month. Each payment is for {$1200.00}. We have been making these two payments per month for over 2 years.
Per your predecessor, XXXX XXXX XXXX, your company did not process the two payments in a timely manner as they did not know how to handle these types of payments, ( even thought I noted on EVERY payment the amount to principal and to the payment ). Hence these payments were shown as partial at times and at times caused the account to show as late. Because of this improper handling of our payments, late fees and notes were added to our account.
The returned checks / fees were due to my checking account being hacked and our account frozen until the fraud was being corrected. Again this information was communicated to XXXX during several phone calls. 
In closing the following corrections should happen to our account.
1. All late fess should be waived. I am ok with the late fees being credited to our account as additional principal payments.
2. Our account should not show ANY late payments.
Thank you in advance for correcting these errors on our account.
Please feel free to contact me with any questions.
Best regards, XXXX XXXX XXXX XXXXXXXXXXXX HELP!!!!!
Home Depot financed repair & restoration of my kitchen severely damaged by water leak + upgrade in kitchen cabinets at the same time. Approximately {$14000.00} at no interest. Monthly payments all on time, but recently received a bombshell cumulative interest added of {$6000.00} +, when the principal was about {$3000.00}. Now the balance is {$9000.00} +. I outraged by this scam, and want to take legal again against them.
I 'm getting aprox XXXX calls per day, seven days per week from Capital One Bank. It 's for a $ XXXX debt they knew I could n't afford, but being the loan sharks they are knew I would bite, and did out of desperation at the time. I 've been consolidating my debts recently with a local nonprofit firm and every one of my debtsXXXX XXXX, but Capital One was willing to participate in the program. I think Capital One figures their malicious scare tactics and plain and simple harassment will gross them more in return. I honestly do n't know how a " business '' like Capital One is allowed to practice legally in our country. It truly astonishes me ...
I have XXXX Sallie Mae loans. I just finished school in XXXX and now they are constantly wanting money. They told me they do not have the same plans as Federal Student Loans. I do not have a job, yet. Usually, they wait 6 months after school. Sallie Mae did not even wait a month. Then, they made me pay late payments when I do not have a job. They told me they had no income driven plans. So, now I have to do forbearance with a rate of interest 10.25 % which is ridiculous. I have XXXX Sallie Mae loans when I looked at the total interest, I nearly passed out. On XXXX loans, they want to charge me XXXX dollars. The total I took out together was XXXX dollars ... XXXX is interest is highway robbery.
Collector : JEFFERSON CAPITAL SYSTEM Creditor : XXXX XXXX Amount {$180.00} This amount is not correct and this debit is not owed no matter how many times I talk to the collections department or XXXX. 
I had a XXXX account and I was transferring my phone lines to my new husbands account. It was called an assumption or liability. The account had to be at a ZERO balance before the line could be transferred over there. They keep saying this is a past due but there was a Zero balance. XXXX ca n't even talk to me as they sent me to a collection account company and I tried to talk to them and I disputed it through them as well. 

I want this removed from ALL XXXX credit reporting companies!
I have an account I am paying off with National Credit adjusters, and have been steadily working on this debt It accorded because I lost my job. Last month XXXX, at National credit adjusters told me there was another debt that came to them that was a collection. He gave me the information on the pay day loan, and I researched it, and this was not my debt. I never took it out, and was never obligated to this aledged debt. The only in question is in the amount of {$2800.00}, supposedly initiated in XX/XX/2016. Their number on the loan is # XXXX for XXXX XXXX. The number assigned to Ntional Credit Adjusters is # XXXX. This is a fraud account and not mine. I want to dispute it and have it off of my bureau. XXXX XXXX XXXX XXXX
All XXXX reporting companies ( Equifax, XXXX, XXXX ) currently report XXXX revolving credit accounts as open when they are in fact closed and have been for at least one year. 
These are listed as XXXX XXXX XXXX XXXX XXXX
PayPal used my credit card to pay XXXX {$100.00}. I do not and have never used PayPal for this very reason. PayPal is little more than a ripoff. The following information was provided by PayPal via email. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX United States XXXX XXXX Transaction number XXXX XXXX XXXX, 2017 XXXX XXXX Payee XXXX which is a fraudulent address. 

Item # XXXX This is exactly why PayPal should be blocked from doing business in Georgia. I dont want my real name or address used due to PayPals abuse of peoples credit card info.
I contacted all three credit bureaus through certified mail.To request an investigation and deletion of this hard inquiry on my credit reports from XXXX. That was over 90 days ago and still haven't heard anything from them. This hard inquiry has caused great hardship, stress, and has made my credit score decrease drastically which has prevented my from getting a home loan etc.
I was told or shown under a XXXX  link on the internet that there were low income repayment loans. I already have one through XXXX. But I called the number anyway because of fear of this ending soon. I called XXXX XXXX XXXX and they told me that if I made 3 payments of {$230.00} in three months that they would write off all of my debt after that. Now all of my dad is {$160000.00}. Which I thought may not really be true but he kept contacting me and we filled out papers and he needed to know that I would have a job and I hadn't had a job yet and then I was getting one. I'm in a helping profession so I thought that this could be legit because I had heard that there are loan write-offs but these types of positions and I thought that this was one of the ways I could go about doing it. But the last time I spoke with him he asked me for my debit card number and just wanted it on file he said for when I sign papers and said that everything was fine and that they could charge my card.
I tried to use Experian 's online application to place a credit freeze. I filled in all requested information. After accepting my credit card payment of {$5.00}, a new screen said I could not place the freeze online. It said to upload additional information ( which it then said could not be done ), or mail in another payment with additional information. Neither XXXX nor XXXX made it impossible to place an online freeze. It appears that Experian is throwing up road blocks for its own self interest.