WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America ( BoA ) has not properly credited the insurance portion of my escrow account. 
I changed homeowner insurance carriers. 
I notified BoA ( the new carrier had already notified BoA which paid the new premium, but I do n't have documentation of that notice ) and sent a copy of my new insurer 's policy binder, I delivered to BoA the prior insurer 's refund check which I endorsed to BoA, and sent another copy of the new insurer 's policy binder and asked that my escrow account be corrected. My certified mail receipt shows this was delivered XXXX/XXXX/XXXX. 
BoA sent me a letter noticing me that insurance will be force placed unless I provide evidence of insurance. 
I sent BoA a letter including all the above and asked again that my escrow account be corrected and my monthly payment amount adjusted. 
BoA is acting as if they did not receive my new insurance binder or my check, both of which they received. 

Documentation of the above is attached.
I am requesting documents concerning this collection account. Please provide all copies of documents you hold on file concerning this account according to the FCRA 15 U.S.C 1681. I would like copies of all statements and accounting documents concerning this account. 
Please also provide documents that show that XXXX XXXX XXXX owns the rights to service the debt they have sent to me.
In XXXX, my husband filed for bankruptcy on some unsecured debt that was in his name only. We did not include our mortgage, and I was not a party to this bankruptcy filing. However, for the last 6 years, our mortgage company has flagged our account as " potential bankruptcy '', and refuses to report the status of our GOOD credit to the major credit bureaus. I have made repeated requests by both telephone and email, and have either received no response at all or been told that I have to a ) send a letter ( which I did via their online email portal - received no response twice ) and now b ) submit a copy of bankruptcy discharge via online portal which does not allow me to include any attachments to an email/online request. 
Previously, I had also contacted them to see if they would lower our interest rate - again using their online customer service portal. I had to send three separate messages over a period of 4 months. Each time I received a response saying they were reviewing my request by email, and even received a response by postal mail, but never got anything concrete until I finally indicated I was going to complain to state and federal authorities about their lack of responsiveness. Then I was told that I needed to contact a loan agent about refinancing. I do not wish to refinance my mortgage, I want to reduce my interest rate under HARP/HAMP. However, they will not even discuss this with me. 
At this point, all I want to do is get them reporting on my GOOD credit with them so that I can switch to another mortgage company. When I 've called on the phone I get no where with them, and have been denied the opportunity to speak with a supervisor or manager to voice my complaints. I think that they are deliberately trying to keep us at a higher interest rate ( 5.875 % ) than the current market, and by not reporting our GOOD credit making it impossible for us to go elsewhere.
I was asked by Chase bank to give my SSN, as part of the Chase process for a credit card application for a Business. I communicated to Chase bank the card is for a Business, and the Business is its own multi member corp, trading for tax purposes as a corp due to multi member. The banker at Chase, assured me the CREDIT card is under the name and federal EIN of the business, and my perosnal credit report, will not be affected. The bank lied. Now three years on the Company who owns the credit card, is in a court lawsuit. Littigation is before a judge, in AZ superior court of law. Arizona civil court file number XXXX XXXX Civil court. Link here. XXXX : XXXX caseNumber=XXXX Due to legal advice, and circumstances, the company XXXX XXXX XXXX represented by a Securities attorney for white coller crime XXXX XXXX whos name also appears on the Docket number, has told XXXX XXXX XXXX not to pay credit card, as conflict dispute exists in court between the Business vendor, the debts on the card, were acrrrued on behalf of. XXXX XXXX XXXX ... and the Business, XXXX XXXX XXXX. 

Chase despite making representations my credit will not be affected, has gone ahead, and reported the Business credit card for XXXX XXXX XXXX, XXXX as a personal individual debt, to at least XXXX and transunion as {$10000.00} owing and unpaid. This is AGAINST the law. Potentially all three credit agencies have miss information being presented to them by chase and agencies are XXXX aware of the false report on my credit as delinqunet and past due, on a " Company credit card '' chase is reporting as PERSONAL. Chase is markng it as an unpaid personal debt - on a {$10000.00} credit card under my name, when the ACCOUNT itself with Chase card services is under XXXX XXXX XXXX and in leagel dispute in Court of Law. " XXXX XXXX XXXX XXXX '' the debt belongs to not me. This is unethical practice by a bank. In addation credit agencies have FAILED to validate the name on the Credit card account and are reporting it as XXXX XXXX, when it is in fact a Business card not a personal card at all. Also, I live in California, a state where chase was successfully sued and lost in the lawsuit for calling its customers on Cell, in conflict with California state laws. Despite advising chase, I do not want to be called on my Cell, and I live in California Chase continue to call me. This is unlawfull, as I have withdrawn all consent for Chase to call me on a personal cell.
I disputed a charged off account listed on my credit report ( XXXX XXXX XXXX TX - Acct. XXXX ) in XX/XX/XXXX, I received a updated report on XX/XX/XXXX showing the account had been deleted. XX/XX/XXXX I received a new alert that the account had been reinserted back onto my Experian credit report. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Equifax. They show my current address to be in North Carolina. I have never lived in North Carolina. I have lived at my present address in Alabama for ten years. When I talked to them, they shrugged and said it was reported by a merchant and it was staying on my report.
I had a fire in my home due to a lightning strike on XXXX/XXXX/16. Within 48 hours, I advised Wells Fargo, which stated they would send a " claim packet '' that would arrive within 5 business days. The following week, I called to check on the status of the packet, and was advised that a claim had not been opened with Wells Fargo ( further delaying any work towards moving back to my home ). The mailing address in my temporary apartment was confirmed, and a week later, I realized the packet was sent to my vacant home. WF then received my insurance check on XX/XX/XXXX, as well as my Contractor 's XXXX. I called on XX/XX/XXXX to check the status of the disbursement/pending items - and was told that the XXXX was not correctly filled out ( no one bothered to call me or the contractor to let us know ). Finally, after calling every day, on XX/XX/XXXX I received the check. When my contractor tried to deposit it on XX/XX/XXXX - neither of his banks would deposit due to my wife and I also showing as payees ( even though it was endorsed ). He even called a WF branch to ask if they would deposit ( assuming he opened a business account ), and was told my wife and I would have to show up for fingerprints. That same day, I requested another check be released showing only my Contractor as the Payee ( and provided written/signed authorization ). As of XX/XX/XXXX, I am XXXX % funding my own rebuild with the contractor, due to Wells Fargo 's inability to appropriately manage the claim process. Over 20 days since Wells Fargo has documented receipt of the claim check from Wells Fargo, my wife, my children and I have been given the ultimate option to continue to live without our home - OR, continue funding our own rebuild while WF sits on monies XXXX has provided.
Personalized Collection Services - XXXX XXXX called me in XX/XX/XXXX stating that he was calling to collect a debt owed to XXXX XXXX XXXX. I have only been to XXXX XXXX hospital one time in my life. I stated that I had met my deductible at the time I had went to the hospital and my XXXX XXXX was completed at another location. I was not sure what the XXXX I owed was for? He stated he would send me an itemized bill. He sent me a hand written bill that looked to be non official with no real explanation of what these services were I received or why I owed that amount when insurance should have covered it if they had billed correctly. I should not owe over 800 dollars for a office visit with a XXXX. So I expected some kind of understanding of why I would owe this amount. I called the hospital and they stated they were not sure what services were turned into collections. I proceeded to ask the hospital if they billed my insurance and they stated that since I told them it was in collections they could not discuss it and I would need to call the collection agency. They also stated ; I don't own them anything. I received numerous calls after that from the same place Personalized Collection Services. However, when I would answer I could just hear breathing. On XX/XX/XXXX the individual called me back XXXX XXXX and stated that I should have received the itemized bill and asked me WHY I hadn't called back. I stated that I tried calling the hospital to talk to them about the billing issues and to understand why I owed that. He replied that only takes 30 days for a dispute with the hospital. I tried to explain the above situation to this individual and he went into another personality. He started getting angry and rude. He stated " This is your debt and we intend to receive it from you. '' I stated that I understood he believed it to be my debt but I know there is an error somewhere with the billing process because my insurance should have covered the visit that was made to XXXX XXXX XXXX the ONE time I ever went there. He continued to get louder and stated that he needed an answer as to when I would pay this bill. I told him he was being rude and that I just stated I was waiting to get more information from my insurance and the hospital. He stated I'm not being rude you owe us this money and I'm going to get it. I told him he was being very rude and an XXXX. Yes I know, I used profanity but he was very angry on the call and I felt threatened. He then stated you know what I'm going to do contact your employer and put it on your credit. He went on to rant about other things he was threatening he'd do but I then hung up. I believe this bill is in error. I also NEVER received any billing statements from the hospital or phone calls from the hospital asking to receive payment. I do not trust this company is legit and wonder if they are not trying to scam me out of my hard earned money. The hospital will neither confirm or deny if this is a collection agency they work with.
Around XX/XX/XXXX I opened a XXXX XXXX Card. I paid it off in XX/XX/XXXX; however, it was sent to collections. Portfolio Recovery (bought debt from XXXX XXXX) says I owe $XXXX  but I have proof I paid $XXXX. The date open date says XX/XX/XXXX. I sent a dispute in XX/XX/XXXX and literally that day I received a response via mail. I have contacted this company on numerous occasions, but they tell me they will not investigate.
During the month of XXXX I receive a letter from a mortgage company that i was not familiar with and they stated that i did not have hazard house insurance. So i call them and they informed me that my 2nd mortgage had been sold to another company by the name of SN Servicing Corporation, so they gave me their number and i made contact with that company, after talking with that new mortgage company they inform me my loan had been sold. I inform them that i did not receive a phone call or any type certify notice that my loan would be or has been sold, they stated that they don't have to send out notice and stated they did mail out a notice. After several phone calls to this company to inform them i was unaware of the sale and that my account is three months behind due to the sale of my mortgage and ask them if they could modify, refinance or move what was behind to the rear of the loan they refuse help or to give any assistance on that matter rather they insist if you can't pay then i suggest we will have to start foreclosure.
Was called by ARA Inc and was told I owed them over {$3000.00} from a XXXX XXXX XXXX account. I informed them this was an unvalidated and very old debt, past the statutes of limitations. I was told that was this was an unsecured loan and that they we 're not a 3rd party, but the current owner of the debt, so statute of limitations did not apply, and I would need an attorney to get this stopped. I informed them, if I needed an attorney, they would be paying the attorney 's fees.This conversation was on XXXX/XXXX/XXXX, the phone # was XXXX XXXX XXXX. They hung up on me, I called them, and was told not to call them back, and they hung up on me again. Today I received my first letter from them, dated XXXX/XXXX/XXXX stating I owed them {$3600.00}, due in full. This is after being informed not to contact me again, as this was an unvalidated and out of limitations debt.
Wells Fargo 's informed me that they made a " business decision '' to close some of my accounts. I have numerous concerns related to the accounts which are slated for closure, with that said : Since Wells Fargo has determined to close my cash back visa signature card account through no fault of my own, I am left with serious concerns that my pending cash rewards will be forfeited & that my rights related to the Fair Credit Reporting Act have been violated.
I have an account placed with XXXX XXXX XXXX. I have had a payment plan set up with automatic payments ( {$180.00} ) deducted from my account on the XXXX if every month. Midland has all of the sudden  stopped deducting the payments- this is the 2nd time they have done this, resulting for my account to reflect late or negative payments and accrued interest. I have never requested them to stop payments nor have I changed anything such as my checking acct number where the payments were being deducted from. I was also never given the right to dispute this. I have been diligently working on repairing my credit and this is an unfair practice that brings my score down.
I have XXXX collections accounts in my credit report, XXXX for the same collection agency, and both to the same original creditor ( for nearly the same amount ). I have requested confirmation of ( and information for XXXX both of these accounts by certified mail, and I 've received NO response from the agency.
As stated on the Consumer Financial Protection Bureau website, " Your mortgage lender is the financial institution that loaned you the money. Your mortgage servicer handles the day-to-day tasks of managing your loan. Your loan servicer typically processes your loan payments, responds to borrower inquiries, keeps track of principal and interest paid, manages your escrow account, and may initiate foreclosure if you miss too many loan payments. Your servicer may or may not be the same company that gave you your loan. '' Specifically, we are disputing a ) the identity of a true secured lender. Because of extensive criminal activity and fraud in this arena, we require proof of the chain of secured ownership from the original alleged lender to the alleged current lender. Further, we require proof that you are the entity that has been contracted to work on behalf of the alleged lender. I would also like to state that there is a difference between a LENDER, a SERVICER and an INVESTOR. We are specifically asking WHO THE LENDER is and this is the question that needs to be answered.
XXXX continues to report my credit card balance incorrect. The card is paid to a XXXX balance each month prior to their reporting. XXXX continues to report the card with almost a {$3000.00} balance. This has been an ongoing issue for over three years now. There have also been consumer financial protection bro complaints filed on the same issue and have never been resolved. There is a serious pattern of non compliance. I have requested a letter in writing from XXXX XXXX for federal credit union stating the account was paid to a XXXX  balance and was reported as a XXXX balance on XXXX. XXXX refuses to respond to my written correspondence and refuses to speak to me on the phone regarding this issue. Trans Union and XXXX have both tried to contact XXXX at the number provided on their reporting, however, the phone number provided is disconnected.
I had my credit pulled for house loan application. However the credit score was quite lower than expected especially since I use credit karma to somewhat monitor my credit. I am aware that there are going to be differences, but with XXXX and XXXX ( the ones XXXX uses, the gap was over XXXX points. ) XXXX had my score at XXXX about XXXX, XXXX around XXXX, the credit scores that were received my home finance were XXXX and XXXX respectively. I reviewed the reason for the " low '' score and found the reasons. 
1.derogatory public record or collection. 
I was in the hospital ( XXXX XXXX XXXX in XX/XX/XXXX ). After not receiving a bill I called and asked. I was informed that bill was payed and no payment due. I was surprised and queried if info was correct. I was assured that no payments are due. About 2 months later I received from a collection agency a notice that I owe about XXXX $ to XXXX. I immediately called XXXX and was told, that there were XXXX accounts for me and that they had made an error. I told them that I have now a collection agency chasing me down for their error. I called the collection service and paid the outstanding amount. That was over 5 years ago and clerical errors have kept my score low!!! 
2.length of time credit has been etablished. 
I have been living for over 20 years in the US. I have had house payments since XX/XX/XXXX, car payments since XX/XX/XXXX, electric, gas, tv, cell phone bills for over 15 years. Credit cards and what have you. How long doe they want me to have credit.?? 99 % of the time I pay my bills on time, that XXXX % I missed the due date which happens to the best of us. 
3.proportion of high credit on bank revolving. 
I have about XXXX $ in outstanding credit card bills, the total max/ credit limit on my cards is way over XXXX {$.00} that means I owe XXXX % of maximum credit limit, how can this be a high revolving proportion of balance. 
4. Recent inquiries. 
In our days nobody has the cash to buy house or car outright. I refinanced my home, to have lower payment and pay credit cards off, and purchased a car, 11 months ago .... I ca n't see how that is a high amount of inquiries. The reporting agencies love for us to open credit cards to see that you pay them and pay on time to show you are responsibly managing your money. But then you get punished for having an inquiry on your record/ score. 
I hope you can help me out and have the situation rectified. These agencies have so much control over ones life, it 's almost criminal. I can see where people have several collections, maxed out credit cards, unpaid bills, inquiring about credit every XXXX weeks that the score is low, but in my case it 's absolutely not the case. 
I appreciate your help!
Through XXXX ( Now Navient ), I was not thoroughly and frequently informed about upcoming deadlines when it came to re-determining my Income-Driven Repayment ( RDI ) applications between the XX/XX/XXXX-XX/XX/XXXX. This lack of information caused me to make several calls to ensure that my interest rates would not skyrocket, which I believe have a bit since graduating XX/XX/XXXX.
I recently obtained a copy of my credit report and saw AFNI reporting a debt that I never had that originally came from XXXX XXXX XXXX XXXX. I requested validation of debt on XX/XX/XXXX and was received by AFNI on XX/XX/XXXX. Prior to requesting validation I had never received a bill or a notice of non payment. On XX/XX/XXXX I received a collection notice from AFNI and on XX/XX/XXXX they sent me a letter stating it would take up to 90 days to complete. This is an abuse of power as the collection notice dated XX/XX/XXXX says 30 days after receiving the letter they will assume the debt is valid. I have not received validation or any other information. I have never used XXXX XXXX XXXX XXXX and would like to get to the bottom of this.
Pay O Matic cashed a check that was payable to XXXX XXXX. Pay O Matic alleges the maker of the check put a stop payment to the check. I have requested tangible proof from Pay O Matic but I keep receiving threatning phone calls from an employee name XXXX. I have received an average of six phone calls a day and also various voicemail messages from this employee. He claims he will sue me for the money.
Equifax was hacked and potentially all personal information needed for identity theft/fraud are likely to have been compromised.
We applied for a mortgage with PrimeLending after being pre-qualified for a loan because we were assured that we would close on XXXX XXXX, 2017 and because of the low rate we were quoted. Four business days before closing, the lender stated that they could not close the loan on that date, and the only way we could close the loan in a timely manner ( an additional 4 days ) was to go with a different loan product that required less underwriting. This increased our interest rate more than 0.5 % and our closing costs {$4000.00}. 

Our extension with the seller is now about to expire, and we have not been cleared to close, even at the higher interest rate. Not only have we been forced into a bait-and-switch scheme because we have no other choice at this point, the seller may choose not to extend the contract again and we will be in breach of contract with the seller.