WillisBack/dataset-financial-user-claim huggingface dataset:
Phillips and Cohen first contacted me by phone in early 2009, claiming they had been hired by XXXX Bank to collect on XXXX separate credit card accounts for deceased " XXXX XXXX '' ( my grandmother ) and that they were seeking info on identity of any probate lawyer, executors etc. 
The person who called a " XXXX XXXX '' would only give them the last XXXX digits of the alleged account numbers. 
I gave " XXXX XXXX '' the info I had on XXXX of the last people I knew to be XXXX of XXXX attorneys and told her I would not give them any more information until they confirmed to me the actual existence these accounts with a copy of the applications and all statements for the time the accounts were in effect., proof that they were indeed hired by XXXX and so forth. 
She claimed they were not allowed to tell me anything else, so I told her that I would say no more until they did and that they should just call the lawyer then. 
A few months later, someone else called from this outfit, telling me she wanted me to confirm the information I had given them the first time. 
She claimed person who had first called me by name of " XXXX XXXX '' was no longer working there. 
I refused and told her I had never been sent anything I had requested and that XXXX Bank denied hiring them. 
There were no more calls that I am aware of, but instead I received a letter for XXXX of the accounts addressed to " XXXX XXXX '' not " the estate of '' etc. That letter came from a different address than the XXXX in XXXXXXXX I had first been given. 
I also asked this woman why they were pulling MY credit for an account of relative. 
She denied it happened. I told her I could send a copy of my credit report, but she claimed there was no reason to do so since they did not pull it, she insisted and refused to give me her contact info. 
I later found an email address for people at thus company and wrote them a detailed explanatory email demanding an explanation to all these issues and once again, the copies of the info I had requested. 
It was ignored. 
The letter sent is dated XXXX 2009 and is after my speaking to them twice on the phone. 
I contacted XXXX Bank multiple times over this matter, but they refused to help, insisting they had never hired PC and therefore there was nothing for them to do, and refused to give me an explanation as to how PC somehow was able to get the info on these accounts if they were never assigned or sold the accounts By XXXX. 
Enclosed is a copy of the XXXX demand letter that came in the email. 
The address of the office that contacted me is XXXX XXXX XXXX, XXXXXXXX XXXX, different than the XXXX on the letter. 
I did an internet search on phone number XXXX and it did not show up as belonging to PC and oddly area code XXXX listed in their fax number is apparently XXXX, not XXXX or XXXX listed on the letter. 
Also related to this matter are XXXX previous complaints I filed against XXXX bank, numbers XXXX and XXXX.
My boyfriend acquired an account for cable services with XXXX XXXX back in XXXX of XXXX. In XXXX of XXXX I became an authorized user on my his account. I was told by a XXXX XXXX representative that by becoming an authorized user that I would be able to call in and make changes to his account and make payments. At no point of becoming an authorized user on his account did I provide my social security number. My boyfriend terminated his account with XXXX XXXX in XXXX XXXX. On XXXX XXXX XXXX I received an email from XXXX XXXX informing me that XXXX XXXX has put this outstanding balance onto my credit report. It shows as being responsible for {$600.00} with XXXX XXXX on both my XXXX and Equifax reports. I immediately called XXXX XXXX for an explanation as to how I, solely an authorized user could have a balance on my credit report when I was not the account holder and had NOT provided my social security number to them. The representative told me that we, we being my boyfriend and I collectively share debt. I told her that she was incorrect and that I wanted to speak to a manager or to someone to dispute these actions. She then told me that I was absolutely correct and that I do n't have an account with them ( XXXX XXXX ) and that I was only an authorized user and should n't have been charged. She then pointed me to their website to begin the dispute process.
To whom it may concern I would like to file a complaint regarding A mortgage modification from caliber home loans. I have been trying to get a home modification ever since XX/XX/XXXX when our mortgage was with XXXX. Since then my mortgage was transferred to XXXX then XXXX. In XX/XX/XXXX XXXX granted us a trial modification. We completed the trial modification on time and everything was fine. As we completed the trial modification our mortgage was sold to caliber home loans however they did not grant the modification. They kept telling us that they need more paperwork and more paperwork. However we kept sending them paperwork we then we 're given a date for foreclosure which we had to file for bankruptcy while we continue to wait for a modification. After years of trying to get a modification we seek help for funding from HEAMP and Pennsylvania house in the Authority assistance however we were told that we had an FHA mortgage so they denied us. They were only excepting conventional mortgages at the time. However recently within the past two weeks we found out when the mortgage was sold in the process to one of the different mortgage companies. We were switch from FHA to conventional mortgage. We are still trying to get a modification with caliber and we are now working with a third-party ( XXXX ) because of the back and forth with caliber. We again had to file bankruptcy because they keep asking for the same paper and foreclosed on us again. The third party as well as myself cooperated and sent everything in. They said we only need XXXX more documents. We sent those in. They said the need XXXX more documents those were sent in. We have been going through this too long. We were advised to file a complaint and this is what we are doing. Our hands are tied we have no where to go and we need help and assistance. I have proof of my situation that I will be sending in. The documents attached are recent letters of how they keep asking for the same information that they told me they received. They also let the third party know that they received these items. They were sent by myself and the third party. So they should have duplicate information. Also I will show how I was giving a trial modification from SPS. These will be on the attached documents. I have been going thru this since XXXX. For 2 years I have been trying for a modification and have been giving the run around. I am working with a third party and it 's still the same case.
NCC BUSINESS SERVICES r eports to my credit report that I owe an apartment community that is no longer in business. When I asked the representative on the phone for verification of the debt he was not willing to help resolve this matter.     I have made multiple attempts to resolve this and they are not willing to help.     To this date I have never received any type notice that I can request validation of the debt.
XXXX XXXX XXXX XXXX in XXXX vs give me a loan back in XXXX for {$820.00} dollars with in a month and half, I give them XXXX dollars but they say the daily fees make the to over 1000 dollars and I miss month and half with our paying but {$900.00} should pay for 5 months and is not even 5 month since I talked that loan please help i have XXXX kids and having big problem taking my kids to the doctor.my number is XXXX XXXX XXXX or email XXXX XXXX
Debt collector called me and left a voice mail and immediately called my wife and left a voice mail. I later called the company back and spoke with them and am working on researching the monies allegedly owed and they sent me a settlement offer. I spacificly asked them not to call another number on my account only to speak with me regarding this issue. Less than XXXX min after I got off the phone the same person I just spoke to spoke with my wife. I was confused as my wife was questioning everything including where I lived when I took out the loan 10+ years ago 3 years before I married my wife, 1 year before we made contact again. She knew all of the references that were on the original loan and told my wife " your husband did these XXXX illegal acts behind your back and has been hiding them from you '' These statements are bad enough however when I was speaking with my wife last night she told me that not only did she say these things she coached her into having a conversation about it. My wife did not know my social security number and the agent asked her " isnt the last XXXX of his social XXXX, she said i am not sure and the agent said sure it is. That is when she started explaining all of the details of my debt, from 2005. 

Now, I am not the type that would withhold information from my wife, I relay believe/believed that this was settled when I worked with credit counseling but now my wife of nearly 7 years believes I am hiding things from her and gaining her trust back is going to be difficult.
I am writing you regarding the ADMINISTRATIVE PROCEEDING File No. XXXXConsent order as I am a Restitution Eligible Consumer. I am asking for a full refund of {$2700.00} and that all references to this account be deleted from all of my credit reports. I would be very grateful if this could be resolved. Please see that Portfolio Recovery Services is in compliance with the order. 

I made payments directly to Portfolio Recovery Associates on a time-barred debt collection account that was too old for litigation. I received several letters that contained time-limited settlement offers that failed to disclose that the debt Portfolio was collecting was too old for litigation. The letters contained statements creating a sense urgency. Some of the statements were " These savings wo n't last long '' and " CALL NOW to take advantage of these limited time offers, '' and " Your first payment must be received NO LATER than the date in the attached letter '' and " Your account will be considered 'Settled in Full ' after your final payment is posted. " From XX/XX/XXXX through XX/XX/XXXX, I received letters implicating the alleged debt was selected for future legal action based on reviews by attorneys. I was bullied into to making payments after receiving calls from PRA 's Litigation Department and made several payments. The Debt had not yet been placed with an attorney ; and I was not informed during the call that the Debt had not been reviewed by an attorney. I was told that if I did n't make payments Portfolio Recovery would move forward with the litigation process unless and that the only way to stop the lawsuit would be to pay right away. 

From XX/XX/XXXX through XX/XX/XXXX, I repeatedly disputed the validity of the account that Portfolio was trying to collect on. I sent validation and verification dispute letters to Portfolio and I also disputed information on my credit reports, including XXXX, XXXX and XXXX and in each response Portfolio replied that information that was accurate, complete and reliable. From XX/XX/XXXX through XX/XX/XXXX, I repeatedly advised Portfolio Recovery Associates that significant inaccuracies existed on my credit reports and the collection documents Portfolio sent me and the phone calls I received. In each instance, Portfolio responded to Credit reporting agencies that information reported was " verified ''. 

From XX/XX/XXXX through XX/XX/XXXX, Portfolio Recovery Associates repeatedly called my cell phone. When I answered the calls and tried to communicate and resolve and dispute the alleged debt, Portfolio Recovery Associates told me that calls placed to my cell phone could only be prevented before XXXX and that I should authorize Portfolio to call in the future. 

Since XX/XX/XXXX I have filed several complaints with the FTC, I have not received any responses. I am so happy that your agency stepped in and took action. 

Finally, and most importantly I am asking that full refund of {$2700.00} be issued and that Portfolio follow the terms of the order.
Complaint is agai nst Navient I  keep submitting payments on time and they are processing them a week later and the payment is through a checking account. I understand a day or so for processing, but when I pay a bill at  XXXX  on the  XXXX  that is due on the  XXXX  it should post by the  XXXX . In fact they posted one of my payments on the day after it was due (  XXXX  ), but not the other larger payment. This has happened before.
The company incorrectly reported the account as past due 30 days in XX/XX/2018 when I called to have them update the account as paid and closed.
I 've called in today when I realized my loan payments are going up again. First off the interest rates started rising in  XXXX  in a   XXXX    month period they 've increase my interest rate to 10 %. I actually called in regarding the interest as well as IBR. My private payments are now at $  XXXX  I 've requested assistance in lowering my payments and event explained that these payments are not long term sustainable and it seems like they are trying to force me into default. I 'm at my end of the rope there solution was to basically find another job or lower my payments temporarily only for them to spike  XXXX  years later I already work a full time job and have no additional time for a second job. They are not willing to even work with customers with good payment history. I never call in I 've always just paid the payment but this has become rediculous l because of this I 'm on the verge of being homeless due to these payments they recommended letting things escalate to collections. Again that is not an option you call them to work out ways to keep from defaulting. This is  XXXX   XXXX  all over again.
I have had my checking and savings accounts with Bank of America for almost 20 years. I logged into my accounts today and see that they had a maintenance fee of {$12.00} per month on a debit card account I keep for my wife. So I called Bank of America to see why they were charging me for a service I 'd gotten for free for 7 years. When I called they said they changed my account. Without my consent??? Why does B of A have the right to blindly change my account ... ... then charge me for something that has been historically free? Imagine if mortgage companies could blindly change your rate just because they wanted to increase profit margins. This is an unfair and unethical business tactic. They said they sent me something but I did not receive it. Please stop this unethical practice from happening to others. Its a violation of the trust we bestow in the big banks. Please fight for my rights!!!
I have been in an ongoing dispute with XXXX XXXX as I firmly believe that I don't owe anything to the credit their are representing. To the best of my knowledge, I have paid off XXXX XXXX XXXX for charges accumulated for my wedding. I have repeatedly asked XXXX XXXX XXXX for a copy of the statement that shows the transactions that add up to the amount they are charging me for, and I have yet to receive it. These communications have been verbally and I have mailed them validation letters. They have not been cooperative at all. I have sent letters to them ( XX/XX/XXXX, XX/XX/XXXX ), as well as the credit bureaus ( XX/XX/XXXX, XX/XX/XXXX ), disputing this item. I don't think I owe anything at all. And if I do, I'm confused on how its over {$1200.00}. Before I even consider working out some type of agreement with XXXX XXXX XXXX, I  demand a statement showing the billed charges so I can confirm or deny them. Until then, they have failed to provide proper validation of charges to justifiably add this account to my credit report. They sent me proof that XXXX XXXX XXXX has  contracted them to collect the debt on their behalf, but even that balance is different from what's being reported on my credit report. I am confused and they have done nothing to help me with this process.
I received a statement XX/XX/XXXX stating total payment due XXXX. I then received a phone call XX/XX/XXXX stating that I owed XXXX.My payment of XXXX showed on the statement. When asked why they are calling stating I still owed XXXX all I got was that 's your unpaid portion. Every time I get a new statement from Wells Fargo Mortgage it shows a different amount owed. My final mortgage payment was supposed to be on XX/XX/XXXX. I received a new statement stating that I still owed XXXX I had asked on several occasions what the additional amount was, also asking for a written detailed explanation. To date all I have received are additional interest penalties. Their statements are very misleading and they are not fourth coming when asked for detailing explanations.
Called them in the beginning of XXXX to inform them my principal and interest went up $ XXXX. and this was incorrect. They proceeded over the next 6 weeks over a total of 7 calls to lie & make up Balone ... in which by the end of each phone call was obvious to me and also to them! They keep using the word escalate to a senior advisor to figure out how this could happen seeing as how I am on a fixed rate. They are now sending me threatening mail which I really dont appreciate. They want me to just pay them and theyll figure it out later, which I am unwilling to do because theyve had over 2 months and have not given any explanation or proof that my principal and interest shouldve rose $ XXXX
I have been paying my SEARS credit card on-line for the last year. I took the electronic statements to save paper. Now I can not log into my account. The web site just hangs. I called them up and they stated that the account might be corrupt but they ca n't fix it. How am I suppose to pay for an account that I ca n't access and they ca n't fix? I no longer get printed statements so this is XXXX. Tell Citibank/SEARS to fix their system so I can make the payment I was making.
On XXXX/XXXX/2015, I spoke with XXXX XXXX XXXX Collection Supervisor ) of XXXX XXXX XXXX. I was told by him if I were to pay two collection items, XXXX in the amt of {$250.00} each, he would email me a letter of deletion to submit to all 3 bureaus. XXXX told me to send the letter over and the items would be deleted from my credit report. As advised I sent the letters provided to the 3 bureaus, and on XXXX/XXXX/15 I contacted Equifax to find out the status of the deletion. The representative from Equifax advised me that they contacted XXXX XXXX XXXX and they told them to update my report showing on of the XXXX items has a {$0.00} balance and update the other one as having a balance of {$200.00}. When I researched my receipt from XXXX, they XXXX show I paid two payments of {$250.00} which left a {$0.00} balance on the accts paid to XXXX XXXX XXXX. When I explained to the rep at Equifax that the item for {$200.00} to the same company XXXX XXXX XXXX, its a totally different account number, she stated that the rep at XXXX told her it was owed on the acct I previously paid. I then went back to my Equifax Reinvestigation Results dated XXXX/XXXX/2015, and it showed the item in the amount of {$200.00} for XXXX XXXX XXXX was deleted from my account in that investigation. It seems XXXX XXXX XXXX has placed and item that was deleted from my report to an item that I have already paid and have proof it has a {$0.00} balance. On top of this fraudulent activity that has be readded to my credit report under a paid items acct number, XXXX XXXX at XXXX did n't uphold the terms of our agreement, which was to give a full delete of XXXX items paid. I would like this investigated and all XXXX of the items deleted from my bureau as agreed upon by the reporting company XXXX XXXX XXXX Supervisor XXXX XXXX. I have attatched the email receipt from XXXX XXXX XXXX showing the acct was paid in full, my Equifax Reinvestigation Report, showing the item for {$200.00} with a totally different acct number was deleted, My most current credit report showing the {$200.00} was placed under an acct that has already been paid, My XXXX bankstatment showing I paid {$510.00} ( which is {$250.00} XXXX ) to XXXX in XXXX, and also the deletion letter XXXX XXXX provided to me by email after paying the items.
Why is rentdebt still appearing on my credit? This should have been totally remove. I have attached the aud control number for removal.
We fell behind in our mortgage with Greentree Servicing, and received notice that they were planning to foreclose. 

We talked to them and were told that they would send us a plan whereby we would make 3 consecutive monthly payments, on time, and then our mortgage would be reinstated. 

We received a XXXX XXXX page booklet shortly after that and proceeded to comply with it 's terms. 

Per the instructions, at the end of the 3 months we submitted the pages they enclosed in that booklet, the ones that required notarized signatures, and awaited results. 

The following month, we received a new bill from them showing that the mortgage had been reinstated and what the new monthly payment would be. That was when we saw that the mortgage had not been reinstated but had been re-written, and at double the interest rate of the previous one. 

We called them and after much transferring, supposedly reached their credit payment department whereupon we were asked why we had signed the new mortgage papers if we did n't like the interest rate. When I explained that we returned the papers, as directed, under the impression that the mortgage would be reinstated, not re-written, we were told that as far as they were concerned it was a done deal and we had no further redress. 

We called an attorney and was told that we 'd be better off going through our state 's Attorney General 's office for consumer protection. 

We called that office and were told to get an attorney. 

Home health issues erupted at that time and we lost track of this. 

Your recent settlement with Greentree has prompted this complaint.
XXXX XXXX reported a Hard Inquiry on my Equifax credit report on XX/XX/XXXX & XX/XX/XXXX. The inquiry on XX/XX/XXXX shouldn't be reporting. What would be the reason to run my credit twice and i already was approve for service prior?
EXPERIAN will not permit the following accounts to be disputed online.They are automatically rejected for any reason whatsoever including " acct. closed '' or " too old to be on file '' .WHEN speaking to XXXX. IN XXXX, TEXAS the employees are disrespectful, can not find documents that have been presented to the CFPB against Experian and seem limited in their ability to help me because I have not sued them in civil court yet and therefor I'm not assigned there..When calling EXPERIAN regular customer service the employees are so stupid they do not understand their own business jargon that is included in this complaint. 
The following accounts have DOFD 's that are not accurate ; inaccurate according the the FCRA definition of DOFD.They qualify for early exclusion.They are XXXX XXXX XXXX, XXXX coll. in amt of {$1500.00}, XXXX XXXX  XXXX XXXX. in the amt. of {$620.00}, XXXX XXXX XXXX XXXX, XXXX. IN THE AMT OF {$1100.00}, and finally XXXX XXXX XXXX in the amt of {$1300.00}. 

XXXX XXXX XXXX XXXX, XXXX is an account whose DOFD has been illegally re-aged by 4.5 months and although Experian possess proof to that fact they refuse to act on the proof they possess including certified court documents that would cause a financial loss for Experian and their subscriber should the documents be judicially noticed evidence in the possible future case. Will Experian continue to be ignorant and stubborn, not sending this to their legal dept who would agree with me upon 5 minutes of observation of the evidence submitted numerous times to Experian in recent months? 
XXXX XXXX XXXX XXXX 's original creditor tried to settle for {$100.00} but the fact was that the settlement was required to be XXXX dollars by the CALIFORNIA IMPLIED WARRANTY LAWS. 
XXXX XXXX, XXXX, A COLLECTOR AGENT for XXXX XXXX whose debt was previously deleted by Experian appears under the guise of a different account ... they raised the debt amt. by XXXX dollar to look as if their account had no relationship to the previous deleted XXXX XXXX account deleted in recent months earlier than XXXX 's appearance on the file.