WillisBack/dataset-financial-user-claim huggingface dataset:
I have a a unverified account from EOS CCA # XXXX. I had previously disputed this account. I have never done business with EOS CCA. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt EOS CCA purport I owe. I no longer wish to receive phone calls from this company for any reasons. 
I request that EOS CCA Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that EOS CCA Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
This complaint address two issues I had for the same account at the same bank. I opened a Burial Reserve CD for my mother with XXXX XXXX  on XX/XX/XXXX. I am a her legal guardian & paperwork was provided to both banks, several times. It was for 5 years, which was to mature on XX/XX/XXXX. The account number was XXXX. In the meantime, BB & T bought XXXX XXXX  & the CD was assigned another account number XXXX. When the CD came due last XXXX, the rate they were offering was less than desirable & they would not match a rate I could get elsewhere, at that time I asked to close the CD. They refused to close it unless I had a representative from the funeral home ( of which they had no interest in the account until she dies ) come in to close the account. The funeral home was not an authorized signer & were not even aware of the account. Due to the time restraint with the grace period, I was forced to leave the CD with BB & T. I was then told to take the new signature card to my mother to sign, that it had to have her  signature, even though they had the Guardianship papers, which I provided yet again. I then recieved in the mail a modification notice with the new terms & rate. The second issue came with an Abandoned Property Notice I received on XX/XX/XXXX. It stated that since there had been no client related activity within the past several years, that the CD would be escheated to the state on XX/XX/XXXX. Even though I had been to the branch at least twice during the grace/renewal period, in person, & had to make a special trip to where my mother is in a nursing home to have her sign the new signature card, then returned to the branch, in person, to drop it off. I did sign & date the escheat notice to claim the property & returned it ( no they couldn't even provide a return envelope ) by mail on XX/XX/XXXX but surely, my account isn't the only one that may be escheated to the state in error.
In  XXXX   XXXX , I sent JH Portfolio Debt Equities , LLC a letter to validate the debt that was being reported on my credit report, including original date account went delinquent and to send me all documents that they had in the file used to verify the accuracy of the account. I asked for a complete verification including, agreement with the client that granted authority to collect this alleged debt, date the alleged debt became payable, verification that the debt was sold to this collector and complete accounting of alleged debt. I did however, receive a letter dated  XXXX   XXXX ,  XXXX  from the company, not verifying any of the information, but acknowledging the dispute. The collection agency as seems to be re-aging the debt. My credit report reflects the company reporting the collection as opened in  XXXX  with no original delinquency date.
There 's a debt agency calling me everyday 6 times a day. Will not tell me who they represent or leave a voice message. They want me to give all of my info to them before they speak with me. I will not verify my information for a company I do not recognize.
I had identity theft earlier this year which resulted in someone opening a XXXX utilities acct in my name in XXXX. I do n't and never have lived in XXXX and have never opened an XXXX account. I live in XXXX and have my own utilities account. I 've lived here since I was born in XXXX. I did everything XXXX said to do : Filed FTC report, Filed a police report ( XXXX ), filed credit report disputes, etc. In XXXX XXXX from the XXXX theft dept told me they would send it back to collection if I did n't file and fax them a police report, so I did. That was the final document they needed. I did that and they do n't dispute that I did it I did everything they asked of me.That was almost 3 months ago and never heard anything from them until today I got a call from a totally different collection agency ( Mercantile Adjustment Bureau ) and now XXXX is telling me they wo n't cancel it unless I get something notarized. I have spent countless hours with XXXX doing everything they said, they 've been rude, hung up on me, left messages for supervisors that never call back, I 've calied, called, called and talked with countless people. I was told once I faxed the PR that it would be behind me and it was until they sent to another collection agency. They know it was identity theft and I feel they are harassing me now. Please can someone help me with this?
Its the third time i get new collection for same accounts. After crefit bureau erase and promise after 2 time i went thru this they could not re sale same debth. I was victim of identity defth. The agency when receive this collection should look at your records and stop of this from happening,
TransWorld Systems Inc. keeps calling me from various numbers. They call almost every day, multiple times a day. Sometimes it is difficult to know it 's them because they use different phone numbers. They use phone numbers with local XXXX area code- where I am located. I asked them to stop calling on XX/XX/17 but the representative said, " I do n't know if we can do that because it 's an automated system. '' He was very demeaning and rude. I asked him multiple times what company he is from, he refused to say. After arguing with him, then pretending to get the person he was asking for, the representative finally disclosed what company he works for. 

I do not believe I have any reason a debt collector should be calling me!!! Why not send a letter in the mail if I have debt with them? Even so, they do n't leave a message on my voicemail stating who they are and a call back number. They are harassing me.
Statue of limitation has run out, debt occurred in year of 2009. The debt was sold several times to different Debt Collection Services which keeps the debt open!
A late payment was made to AMEX but the account was paid in full within XXXX days. This late payment triggered the usual late fees but also triggered an interest payment in the first month of XXXX {$95.00} and a second month of interest of XXXX {$65.00}. The effective APR for interest charged for XXXX days of late payment but then paid in full equates to an effective interest rate of over 100 %. While this XXXX month revolving balance interest calculation is no doubt contractual agreed to, it seems blatantly against public policy and likely criminal usury.
Chase Bank sent me a letter in XX/XX/XXXX stating we are closing all your credit card accounts. I have called them many times to find out why and all they say is we decided to close your accounts but we can not give you the reason why we are.
A XXXX representative told me that they would delete this account from my credit profile ( specifically told me that almost word for word ) if I made the payment. I made the payment while in collections, and the account is still showing on my credit report through Penn Credit. XXXX needs to uphold their word and have their collection company remove this account from my credit profile. This is a bait and switch scenario.
I received a response form this company and I am mortified at their attempts at calling my sincere concerns and confusion " allegations ''. I made payments to so many entities regarding this loan that it simply does not make sense to me. I was initially paying a XXXX XXXX XXXX XXXX and to them I called and requested an address change which was somehow ignored. Then the bank changed over to XXXX and their information was outdated and inaccurate. Portfolio took on a false amount, this amount was long gone and discharged and not even what I truly owed! The bank told me it was written off in taxes, so why then do they sell to a 3rd party and re-collect the sum all over. so they get money form me, write off the debt and then sell it back to someone else for them to double it with fees and interest that only they can add one? I figured something was off so I called XXXX XXXX after having been scared by Portfolio and they said to me that I was not responsible for it because it was past statue but that the party they sold it to would sue me if I did not pay them. I asked Portfolio is this was true and they SAID to me over telephone that I COULD INDEED have a judgment placed against me with " legal ''. Where are the calls? Are they all there? HOW can we confirm, because I am so hurt by your rude tone in your response Portfolio. All you have " proven '' here is SIMPLY old statements! This account was done with XXXX XXXX, I don't even know what XXXX did with it and now Portfolio is tripling my OLD debt! Anything past 7 years CAN NOT be placed on my reports. FIND ME XXXX XXXXXXXX STATEMENTS AND WE CAN DISCUSS TIMELINE! You have endlessly pushed me with letters, voicemail and calls and I had to surrender out of fear until I realized how MUCH this amount is wrong! It was illegal of XXXX to have sold this in the first place, it was already paid for in their taxes and int was in 2011! 

ALSO, why are you SENDING MY PERSONAL AND CONFIDENTIAL STATEMENTS OVER THE INTERNET!????? I am asked by the bureau not to send any account numbers and such, what gives you the right to send my old and personal information with all identifying facts on it to me???
westersky gave the loan to cashcall with gave the loan to delbert servicei have been get threateding phone call XXXX that is calling from XXXX group ( XXXX ) XXXX say that i need to contact or my lawery because some serious allegations was filed. she has been call me employment and cell phone and know they started to call me husband. they told me husband that this call on the behalf of delbert service. and left him the same message. this lady has called for XXXX weeks straight. know i am getting threating calls for a XXXX states a file was giving to her and that i need to contact there office and that is is only notify me and that i have till XXXX XXXX and that XXXX XXXX XXXX bewteen XXXX and XXXX they are going to me place of employement or home. and top take that i been served
My wife and I have a first and second mortgage through Ocwen. Our mortgages went through a loan modification a few years ago under which XXXX of the terms declared that upon sale of the loan ( or refinance ) we would be subject to a fee of 25 % of the current appraised value of the home minus the amount owed on the mortgage. However, the fee of 25 % could be reduced based upon improvements completed on the home after the modification of the mortgage. We submitted the appropriate invoices for work that met the criteria of reducing the 25 % fee and we were denied by Ocwen citing that they " could not verify the invoices. '' The 25 % fee totals close to $ 25XXXX and the invoiced improvements total close to $ 20XXXX. We know the improvements to our property are valid improvements based upon the IRS regulations XXXX XXXX ; XXXX and do not expect to pay {$20000.00} to Ocwen because they simply " could not verify the invoices. ''
i have an XXXX XXXX XXXX car loan # XXXX XXXX for {$260.00} monthly and all XXXX credit bureaus have removed or blocked from my credit file. I called and they said i disputed is as fraud and I DID NOT. I ASKED TO HAVE IT REPORTING AND THEY SAID THEY COULDN'T. I called the credit union and they said it was a credit bureaus issue.

I need this back on my credit as it is my account and i need it showing. Please get this fixed by having it report on all 3 bureaus I never filed any fraud dispute with this loan
I wrote to the credit bureaus and explained to them that where I lived they never properly explained that I was going to be liable for the debt. That they only listed me in the apartment lease because I was older than XXXX. I explained to them as well that I never paid anything while I was there I had even said prior to moving out of there that I was going to move and the manager said that it wouldnt be a problem because I was never going to be liable. Later on I found out that in fact I was held liable just like the people that live there that moved out of the place without paying and it affected me horribly because til today reports on my credit report as a collection.
As requested, I sent a detailed explanation of my situation to AES for them to forward to the lender. This was nearly 2 months ago, and I still have not heard back from anyone, other than to continue with the threatening & harassing emails, phone calls, and letters ... to both me and my elderly mother! They have completely ruined both or our credit scores.     The last correspondence I have had with them was back on  XXXX   XXXX  : " A request has been submitted to have your lender contacted. Please allow up to 10 business days for processing. We can not provide a response time for your lender nor can we guarantee an outcome. '' It is now  XXXX   XXXX , and I 'm still waiting to hear from someone.
My name is XXXX XXXX and I am trying to find out from Wells Fargo Home Mortgage why has my mortgage payment went from {$860.00} to {$1300.00}. The Loan Number for this complaint is : XXXX XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA. XXXX. 
I need a complete detailed break down of all charges that Wells Fargo Home Mortgage is charging me for this mortgage including any escrow charges and any Escrow disclosures explaining exactly why my mortgage went from {$860.00} per month to {$1300.00} .If this charge or any charges on this mortgage are incorrect or in error or misapplied by Wells Fargo Home Mortgage please immediately send directly a refund by check to me and my husband. 

XXXX XXXX
I have a loan with XXXXXXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXXXXXX XXXX XXXX  with no successful resolution. Equifax is only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018 and XX/XX/2018.
I make a payment every month of about {$200.00}. I have n't put charges on this card for about 2 years. But every month i owe more than the month before. I am wasting my money trying to pay this card because of all there fees and charges that I am not even sure what they are for. 
I am a month behind so I get about 5 calls a day they are recordings telling you to hit one for a representative. The recording does n't state who it is from. When you try to talk to them their English is bad and wo n't explain fees. I just do n't answer the phone if it is their number.
A. I made payment arrangements with XXXX after a visit to the hospital that cost me {$660.00}. After making XXXX payments of {$37.00}, XXXX was not listing all my payments in their balance and stated I was behind. I requested an activity statement on more than ( XXXX ) occasion and none was provided. They sent my account to collections while in dispute for {$360.00}. I owed {$290.00}. 
B. They sent the account over to a collection agency that is affiliated with XXXX and began to add excessive fees and costs. They never attempted to reconcile the account even after I spoke to a collection agent on the phone and told them of my dispute. 
c. They have sent the account to XXXX XXXX XXXX XXXX in the amount of {$800.00} plus dollars according to the credit reporting. I have never received anything in writing from XXXX XXXX XXXX XXXX.
When my mother passed away a few years ago, my brother and I needed to establish a trustee account in order to pay lingering bills. We did so with Wells Fargo, who, in view of the fact that my brother and I barely speak and have no trust in one another, the bank recommended a " joint/and '' account, which would require both signatures in order to write checks, move funds, etc. The bank required copies of Mom 's will/trust account etc for verification that all funds were to be distributed equally, with which they were provided. 
I have recently discovered that my brother was able to cash out and close this account, without my knowledge, consent or signature, for the full value of the remaining funds! 
The bank has stated that this account " did not need to be monitored '' ... and that they take no responsibility. 
What is the purpose of this account if it is not monitored? Why was my brother allowed to effectively steal the money? 
I work in retail ... if we sell a product that does not work as stated, we offer a refund. This account, which was suggested for both of ours ' protection, clearly " did not work ''! The bank XXXX, I am at a loss, and they tell me to " get a lawyer '' and sue my brother! 
In my eyes, the bank is at fault, and owes me half of the money but they refuse to compensate me for their misconduct. HELP!!
I opened an account with Chase that promised XXXX points for XXXX rewards. The offer did not clearly start when the offer began or ended except for " XXXX months ''. It was not clear if it was XXXX months of opening the account or XXXX months of activation. The account opened on XX/XX/2016, I received the card XX/XX/2016 and activated it in XX/XX/XXXX. 
I was charged an {$85.00} membership fee. Chase refuses to reward the points.
There was a XXXX debt that was sent to Receivables Peformance Management LLC. They contacted us by phone, never sent any paperwork, and we have sent two requests via fax to their company requesting they send us the full accounting. The reference number for the debt is XXXX. We had disputed the charges with XXXX as we were managing a property that was sold, and they refused to cancel the line as it was a fire line, and the new owners never put it into their name. Once this company received the debt from XXXX, we have contacted them numerous times over the phone requesting the documentation, and fax them. We have the fax proofs if needed.
I have asked Experian to provide me proof of PERMISSIBLE PURPOSE for the inquiries that are circled and highlighted in the attached document. Many of them say " Unspecified Reason '' therefore no permissible purpose can be acknowledged nor proven by the companies that asked for my credit. I also have a few from XXXX XXXX XXXX XXXX that says they tried to do a car loan for me. I NEVER asked XXXX XXXX of all companies to finance a car for me. XXXX is my bank and they are the ones that did the car loan for me. Many of the companies that are listed as pulling my credit I have no idea who they are and I never received any kind of credit from them. THIS IS NOT ASKING EXPERIAN TO PUT ANY KIND OF FRAUD ALERT OR FREEZE ON MY FILE. This compliant is being filed because I have asked Experian to provide permissible proof that I asked these companies to grant me credit which they never did. You can see right on their own report that the reason is Unspecified, if that is the case how can they show permissible purpose. This is simply Experians way of trying to hurt me financially and I will not stand for it. I am demanding that the Inquiries that I have listed be removed because I DID NOT give permissible purpose to those companies at that time to pull my credit. The guidelines are very specific on permissible purpose Employment, preapproved credit, investments, credit monitoring, mortgage or insurance. NONE of the ones circled meet that criteria and I am DEMANDING that Experian Remove these inquiries immediately as I have asked them by writing 3 times to do this and they ignore my request each time.
victim of a predatory loan, have been trying to work w/the loan servicing company and they have been unable to help resolve the situation. Ocwen stated they are only the servicing company and the owner of the loan does not participate in any of the Home Affordable Modification programs, XXXX/XXXX/2016 conservation w/relationship manager was still delay in processing deed in lieu of next appoint is XXXX/XXXX/2016, but if we make a payment of {$7800.00} by XXXX/XXXX/2016 they can call us with the deed in lieu status by XXXX/XXXX/2016. We have been told that at this time the deed in lieu has not be approved by XXXX XXXX and they are pending the Titling information.
Creditor advises account was reported to credit bureaus as of XX/XX/XXXX. However based on the conversations i've had with XXXX, Transunion and XXXX, account never reported to any credit bureaus. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX and spoke to Senior Account Specialist XXXX XXXX. Specialist advised account was reported to bureaus and was the responsibility of the credit bureaus to report account.
After receiving an overwhelming amount of emails and calls I mailed an official cease and desist letter to the company XXXX XXXX onXX/XX/XXXX. The letters were sent to no avail I have received persistent emails and calls to date. I have blocked this number previously to attempt to limit the amount of harassing calls I have received regarding this account however that has not limited nor stop the ongoing harassment. calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After the cease and desist letter 's were sent.
I had a Home Loan with XXXX XXXX XXXX, XXXX ( XXXX ) for a home located at XXXX XXXX XXXX, XXXX, GA XXXX. I notified XXXX that we would be moving in XXXX of this year ( XXXX ), which we did, and asked XXXX to consider a Deed in Lieu of Foreclosure. XXXX claims to have contacted XXXX XXXX XXXX to obtain a Title Release on a Lien that was on the Property, that has been done away with/Avoided and excused in the Bankruptcy Approved Filing ( Attached ). At any rate the remaining amount left on the Loan was {$87000.00}. XXXX had the property appraised at XXXX XXXX, which was less than the Fair Market Value, and would pay me the difference. 
XXXX has dragged its feet for almost one year instead of foreclosing on the property, neither has XXXX provided me with proof from XXXX XXXX XXXX that is a Valid Lien, because they can not. 
Now, XXXX Sells the Mortgage to Select Portfolio Servicing , Inc., XXXX. XXXX  XXXX, XXXX XXXX XXXX, Utah XXXX, and they start sending me letters & Mortgage Statements ( Last One Dated XX/XX/XXXX ) for that property that I do not own, which was Approved By a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Case Number : XXXX. Today, I get another letter dated XX/XX/XXXX, from XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX, XXXX, stating that they own the Mortgage, in any case, this is not my problem, that property was returned back to XXXX in XX/XX/XXXX, and XXXX changed the locks and took possession of its property. What is being done by XXXX, Select Portfolio and XXXX XXXX XXXX is pure outright harrassment.