WillisBack/dataset-financial-user-claim huggingface dataset:
Agreed settled amount was {$3300.00} per agreement letter provided XX/XX/XXXXOriginal collection date : XX/XX/XXXXAttempts to resolve : In XX/XX/XXXX I hired a lawyer to contact collection agency IQ Data International because they refused to accept my attempts of payment offers. When I would call they would insult me by calling me ignorant and stupid and hang-up on me. Once I hired the lawyer they made attempts to arrange a payment but I was informed IQ Data did not want to agree on any payment arrangement. Instead they would only state that they would garnish my wages if I did not pay a total of {$4600.00} in a lump sum. They would not provide payment options and only wanted a bank card number to collect full payment. 
In XX/XX/XXXX I received notice that they secured a judgment against t me and again the law office began contacting them for payment arrangements and again they refused every offer attempted always threatening that if balance in full was not paid they would garnish my wages. 
Finally after over XXXX emails with my lawyers and a number of calls on my behalf XXXX XXXX from IQ Data International sent my lawyer 's office a letter with a payment arrangement for a settled amount of {$3300.00} - I agreed to initial deposit of {$1500.00} and 9 monthly payments of {$200.00} on the XXXX of every month beginning XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. This is clearly stated on the letter IQ Data provided my laywer. 
When I called to make the initial deposit of {$1500.00} they took my deposit via my bank credit card as this was according to XXXX XXXX from IQ Data the only method they could accept payment. XXXX XXXX stated my card would be charged {$200.00} as noted on the agreement and then an additional 3 months of payments with the last month a payment of {$240.00}. 
I explained this was not on the agreement. He stated he did not have room to add this to the letter he provided and threatened me by saying if I did not agree to the additional charge my deposit of {$1500.00} was going to be refunded and he was going to proceed with a garnishment, then hung-up the phone on me. Even after being very reluctant to use my personal credit card due to fear of this company 's bad practice and many bad review and fraud, I provided my bank information. 
I called my lawyer 's office explained the situation and informed my lawyer I was going to file a complaint against IQ Data International and I wanted to fight the charges that they keep adding to the balance. 

XXXX emailed me and my lawyer and said we had a conversation with me but that is not correct he now wants to charge me more than the agreed amount. I am attaching his email as proof to you. 

I, through my attorney since XX/XX/XXXX have been working on correcting any bad outstanding debt caused by a custody battle that I was involve with in XX/XX/XXXX. This is the only company that refuses to provide a proper agreement for payment.
On Friday XX/XX/XXXX I had called XXXX requested a credit limit increase and what are the factors looked on when giving a credit limit increased. Instead of receiving a increase the agent on the line decrease my credit limit, she tried to fix it but she couldnt so she transferred me to her supervisor who advised me that I would hear from a credit speacailist on Monday XX/XX/XXXX or Tuesday XX/XX/XXXXof the following week. I had waited until Thursday XX/XX/XXXX and I havent received a call from the credit specialist nor anyone from CapitalOne, so I called to find out whats going on I was told by another agent that there was no case for my issue and she put me on hold where the called got disconnected. I re-called XXXX once more and ask to speak to a supervisor who advise me that he will start a new case for my account which I was now frustrated because all the misleading Information that I have been receiving I ask for my account to be closed. Now I have checked my credit report and its sating that I have requested a decrease on my account, account is closed and a negative remark from XXXX. I called XXXX today XX/XX/XXXX and the agent is letting me know the reason for my account being report like that to the credit bureaus is because I requested that way. Which just display poor customer service customers who uses there service.
I have a rental property valued at {$50000.00} more than what is worth, tried to keep afloat by renting at much lower amount than my mortgage. In the meantime, my husband and I have used just about all of our savings to pay for other necessary expenses such as : property management fees, homeowners insurance, homeowners association fees and other expenses related to the up-keeping of the property. Throughout the months I have contacted my bank ( Wells Fargo ) seeking some assistance as to it has gotten harder and harder to financially support the avoidance of foreclosure but to no avail all I heard was to do a short sale or foreclose and was told you do n't qualify for any of the programs because your loan was not from XXXX XXXX or XXXX. Now, after struggling to make payments on time I have been late 2 times and they are telling me that because I was late I am not eligible for the program ... .very deceiving, called 4 months ago and was told that did not qualify for any assistance even if I was up to date now, because we were late 2 times we do n't qualify because of it. Getting assistance from family has allowed us to make payments on time but is getting harder since the situation is not getting any resolution. Please assist us in finding ways to continue to pay for the property at a reasonable price and to be able to avoid foreclosure since it does not benefit any participating party. We want to do the right thing!!!
Experian has continuously reported a false bankruptcy XXXX on my credit report that all their agents have acknowledged that the bankruptcy is under a different name. Experian will not remove the bankruptcy even though its under someone elses name due to they keep saying the company that reported the information has certified to Experian that information is accurate. This is the response i was given on XX/XX/XXXX and XX/XX/XXXX after disputing it again on XX/XX/XXXX and XX/XX/XXXX. Experian will not provide me with the name of the third party company so that i can dispute directly with them. I have contacted Experian three times today ( XX/XX/XXXX ) asking for their method of verification as my consumer right under FRCA. I spoke to an agent by the name of XXXX who advised me that an agent with Experian went to the court house themselves to verify. I asked for that person 's information and supporting documents to be sent to me showing verification. XXXX advised that information is not put in the system and she transferred me to another agent who could help me as she was uncertain how to. I was then connected to XXXX XXXX who is apart of Experian 's " XXXX XXXX. '' I asked XXXX XXXX the same information and her response was " you'll need to subpoena Experian in order to get our method of verification. '' I advised under FCRA its illegal to deny me the information/records they used to verify the public record. She proceeded to tell me once again I will need to subpoena the information as she was not giving me it. I asked to me transferred to her supervisor. She stated okay and he somehow wasn't at his desk anymore to take my call event though she stated he was. I called again and spoke to XXXX XXXX who is also apart of Experian 's " Integrity Team. '' I asked for method of verification once again and was told that Experian uses a third party to go down to the court house to verify the information and they report accurately back to them. I asked for the third parties information and supporting documents that they provided to Experian to verify information. XXXX XXXX stated that they do not have any documents and that she would not be providing me with third party information as Experian " takes their word for it '' when it comes to them stating accurately. Under federal law, any innacurrate or incomplete information must be deleted. How can a company verify information under a different name than mine? They cant! I have contacted the court that is listed on the bankruptcy and they have advised they do not verify with credit bureaus and that bureau had to go through a third party agency for any information they have. This again is illegal as third party agencies are not the originator of this bankruptcy, the federal court is. Furthermore, Experian continues to refuse me the third party information that they used to verify information on my report. I want this bankruptcy deleted as soon as possible. As the consumer I am entitled, under FCRA 611 ( a ) ( 7 ) to a description of the procedure used by the CRA, which must include the name, address, and phone number of any furnisher to which the dispute was sent. See FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).
From : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX : ( XXXX ) XXXX : XXXXPHH Mortgage Corporation Loan Number : XXXX : Consumer Financial Protection BureauRegarding : XXXX XXXX XXXX XXXX XXXX ) PHH send me a letter dated XXXX/XXXX/2015, stating that I was not eligible for a Homeowners Assistance Program, and that you are the " owner of your mortgage loan : XXXX XXXX XXXX XXXX XXXX ''. 
2 ) Your customer service department stated you are not he owner of my loan. 
3 ) A Notice of Trustee 's Sale was posted on my front door for a sale date set for XXXX/XXXX/2015, stating that are a Trustee for XXXX XXXX Mortgage. 
4 ) A Notice of Trustee 's Sale was posted on my front door for a sale date set for XXXX/XXXX/2015, stating that are a Trustee for XXXX XXXX Mortgage. 

I 'm requesting of you to provide me under the California Homeowners Bill of Rights, Mortgage in General-California Civil Codes : 2923.55 and 2923.6 and 2923.7 and 2924.9 and 2924.17 and all other Civil Codes that applies. 

Copy of the Note The Recorded Name on the Deed of Trust Any Assignment Notice of Trustee 's Sale for XXXX/XXXX/2015 and XXXX/XXXX/2015 All Evidence Required to Demonstrate the Right to Foreclose The letter Fair Debt Collection Practice Act ( FDCPA ) The Wet Signature because of Robo Signing Explain Securitized Loan Explain Mortgage Electronic Registration System ( MERS ) Explain XXXX XXXX XXXX Explain XXXX Explain XXXX XXXX XXXX XXXX of XXXX pages
On or about XXXX of 2017 we XXXX vacation trip with XXXX XXXX. XXXX XXXX is an online travel agency. They lured us under false pretenses and purchasing a vacation package only after did they charge us did they explain to us their refund policy which was no refund at all under any circumstances at any time. Also went to their website which does not have their vacation refund policy posted anywhere. Contacted my credit card company American Express, American Express is ruling in favor of them despite the fact that XXXX XXXX offered to partially credit my account. American Express has advised me to dispute this process and this charge which I have done now 13 times and they keep coming back telling me that I owe the money. I asked them if they felt that it was morally and ethically correct to be charged for something in the capacity that I was and they will not provide a clear end definitive answer. Been a customer with them for 15 years with impeccable payment history
I have XXXX loans with Bank of America. They were originally VA loans via Countrywide. BOA handles the servicing of the loans. Shortly after taking over the loan from CW, BOA began adding escrow reserve to my escrow account. My loan does not require me to use escrow servicing, it 's voluntary. Upon adding escrow reserve, BOA raised my minimum pmt. While paying the correct amount, BOA began to claim my payment was short of full. This lead to payments being considered late, late fees, etc. 

Additionally, BOA 's escrow servicing has repeatedly paid insurance to XXXX incorrectly. Payment from XXXX property made to a wrong XXXX. This lead to overpayment to XXXX and a refund to me ; meanwhile leaving the unpaid insurance account short ( as it was never properly paid ). This lead to a repeat of all said above in late fees, etc. 

Most recently, they began foreclosure proceedings on one of my rental properties. This despite having record of sufficient payment made each and every month. The first trustee called off the sale and sent the file back to BOA after I provided them my records. Now a new trustee has been appointed and they 've postponed the sale to review my information. I 'm quite tired of this continual process. 

I have a file XXXX '' thick of letters sent to BOA with minimal response and never any serious attempt at resolution. In my paperwork sent to BOA is included a spread sheet displaying all loans, payments for each year with taxes and insurance and my payments. It quite clearly shows that I 've paid more than was required. Despite this, they have each loan in error and it 's a complete mess. 

This is not the first occasion. In 2009, BOA admitted wrongdoing of all the above and corrected my accounting and all was set current. However, shortly thereafter the whole process began again. 

I 'm not sure if it is a predatory business practice or not, but I 'm sure I 'm not the only one experiencing this. My credit has been ruined and I 've been unable to close on transactions and lost hundreds of thousands of dollars. 

I 've pleaded with BOA to have someone at high level work through the file and find resolution. No success.
We had a loan for a used XXXX XXXX XXXX with Wells Fargo Dealer Services. On XX/XX/XXXX WFDS wrote a letter that the entire balance on our loan was due and that we should call them asap to resolve the matter and that they wanted to work with us. The subject line of the letter stated " Payment options available for your account ending in XXXX - action requested. '' They " charged off '' the balance the same date as the letter. They gave us zero time to pay this balance, which we paid the entire amount of {$2800.00} in two payments, including their fees of {$940.00} within that month. ( See documentation ). It is true that we were behind on our payments, but my husband was in contact with Wells Fargo regularly to make arrangements to make payments. 

Our contention is that we were given no chance to remedy this before it was charged off, and a large part of the charge off is their fees, which we believe is illegal. Their correspondence clearly states they have payment options available and want to work with us. A few of the credit reporting bureaus are showing that this account is a charge off and we owe {$1800.00}. This is not true, we paid the balance in full including their fees by XX/XX/XXXX and have the title to the car in our possession. If any consolation, this was right around the busy holiday season and should be taken into consideration. 

In talking to XXXX in the office of the president at Wells Fargo Dealer Services, she informed me that calls were made to my husband or myself, in which we were notified that this account was going to be charged off. Neither my husband nor I, received any phone calls. I asked XXXX if she had proof of this and she said I would have to subpoena them for this information. We are not litigious and do not know how to do this, and should not have to do this. 

Attempts to remedy this dispute with the credit reporting bureaus and Wells Fargo, have proved futile. What Wells Fargo has done charging off their fees, we believe is illegal, and they gave us no time to actually take care of this obligation. 

We respectfully request a full investigation into this, and that they credit reporting bureaus be notified that this account has been paid in full and that the charge off be removed. There is no sufficient reason a charge off should continue to appear on our record for up to 7 years, when this was paid within a month of notice of acceleration. In addition, the months of XX/XX/XXXX and XX/XX/XXXX, at least one credit reporting agency shows a FP or failed to pay. This is incorrect and attempts to have this changed have not been corrected.
Direct dispute sent to company, they did not respond : Account Number XXXX : Disputing the reporting of this collection account showing past due amount of {$630.00} and late payments of {$630.00} from XXXX to XX/XX/XXXX. Alleged date of XXXX delinquency ( XX/XX/XXXX ) predates the reported account opening date ( XX/XX/XXXX ). Terms of account is listed as 1 month, and account is reporting as open. 

Basis for the dispute : I have never made payment arrangements of $ XXXX monthly with Portfolio Recovery Associates for payment of XXXX XXXX acct # XXXX. Account opening date can not be later than original delinquency date, as this is impossible. The account is a collection account, and can not be reported as an open account with past due amounts. I have never had a contract with Portfolio Recovery Associates to pay any amount. 

Account Number XXXX : Disputing the reporting of this collection account showing past due amount of {$1000.00} and late payments of {$1000.00} from XX/XX/XXXX to XX/XX/XXXX. Alleged date of XXXX delinquency ( XX/XX/XXXX ) predates the reported account opening date ( XXXX ). Terms of account is listed as 1 month, and account is reporting as open. 

Basis for the dispute : I have never made payment arrangements of {$1000.00} monthly with Portfolio Recovery Associates for payment of XXXX XXXX acct # XXXX. Account opening date can not be later than original delinquency date, as this is impossible. The account is a collection account, and can not be reported as an open account with past due amounts. I have never had a contract with Portfolio Recovery Associates to pay any amount.
This complaint is intended to address the irresponsible and irregular management of my mortgage escrow account by Nationstar Mortgage ( Mr. Cooper ). Find below the sequence of events : 1. On XX/XX/XXXX,  Nationstar Mortgage issued a payment to XXXX XXXX and XXXX XXXX to cover the premium for HO-6 Policy # XXXX. The payment was made via a bulk check for the amount of {$1100.00}. 
2. On XX/XX/XXXX, I informed Nationstar Mortgage that I was unaware of the existence of subject policy. Therefore, the policy was to be considered fraudulent, as it was issued without my consent/approval. The mortgage servicer indicated, that they have no control over the issuance of the policy, and they just paid because my escrow account was set to cover HO-6 insurance coverage. Nationstar Mortgage never contacted me to verify the validity of the policy. They just paid and offered me to have patience. 
3. On XX/XX/XXXX at my request policy XXXX was cancelled and Nationstar Mortgage notified. 
4. On subsequent multiple conversations with Nationstar Mortgage customer service I was threatened by the company to purchase another policy. Otherwise, they would buy a very expensive policy with limited coverage, so it was in my best interest to provide evidence of coverage. 
5. On a follow up conversation, I informed Nationstar Mortgage that I was already covered by XXXX XXXX XXXX under Policy XXXX. I also notified then that I had established a payment plan with XXXX XXXX XXXX, and I didn't authorize them to use my escrow account to pay this policy. This was stressed in multiple occasions when the Insurance department was contacted to report the irregular activities 6. On XX/XX/XXXX, despite the multiple communications and conversations held with the Insurance department, Nationstar issued a payment to XXXX XXXX XXXX.The payment was made via a bulk check for the amount of {$1100.00}. 
7. On XX/XX/XXXX, I contacted Nationstar to express my disappointment, and they offered me to have patience. 
8. As a result of these irregular, irresponsible and unauthorized payments, my escrow account is in deficit. As of XX/XX/XXXX, the balance in y escrow account is : - {$1800.00}. 

What kind of company manages customer 's mortgage escrow accounts as above described? 

How can a Mortgage company pay to two different insurance companies within two weeks ( XX/XX/XXXX and XX/XX/XXXX ) for the same property without contacting their customer and without taking in consideration all the conversations that had been held regarding the subject?
On XX/XX/XXXX made arrangements to pay a past due amount on XX/XX/18, payment was deducted on XX/XX/XXXX. Called Chase and same day and was promised that it would be reviewed and supervisor to call back and if it was identified that error occurred over draft amount would be reimbursed. Followed up again a week later no call, followed up for last time XXXX still no resolution, call was not even pulled for review. Promised again resolution in 3-5 business days.
I was going through a hardship and had some unexpected expenses. In order to make my vehicle payment, I took out a {$400.00} pay day loan back in XX/XX/XXXX. I have been paying {$68.00} a week ever since. I called on XX/XX/XXXX in order to determine how much money I had left to pay of this loan. They informed me I still owed {$450.00}. If I wanted to pay off the loan it would cost me {$500.00}. To my surprise the have not applied any funds to the amount that I have borrowed. I have paid this company aprox. {$810.00}. I asked according to their calculations when would my loan be paid off they told me oh not until some time next year. This is a complete scam.
On or about XX/XX/2018, 20 unauthorized transactions totaling {$460.00}, were debited from checking account. After going through the process of filing an unauthorized claim, the bank concluded money can not be refunded because there have been previous transactions in my account history with the same merchant. While I can agree with this conclusion partially ( I did authorize previous transactions to this merchant in the past ), I disagree with the finding because all of these charges in question came from a different IP address than the one listed in my previous account history. If proper researching was done in the first place, it would demonstrate that purchases I authorized my son to make over the course of the past 2 and a half to 3 years ago emanated from a completely different IP address than the one in which these charges originated. In other words, the charges were made by another child who accessed my son 's XXXX account to which my debit is attached without our son 's permission while my family was away running errands from his parent's/grandparent 's home. 

Furthermore, when I allow my son to make charges, they never total to {$460.00} -- - period -- - because an XXXX-year-old doesn't have the means to repay this debt. In other words, we normally allow him to make purchases in the amount in which he can repay immediately. Naturally, the bank requested " confirmation of cancellation with the merchant, date of cancellation, confirmation number or the name of the person I spoke with ... '' Since these items are irrelevant to my situation, I attempted to further explain my situation to the bank and as of this morning, this matter is still unresolved. By the way, I did ask if this wasn't the proper forum to have my concern addressed, could I be advised as to the proper channel to have my concern addressed. Needless to say, I'm still waiting ... 

My point in all of this? First and foremost, my husband and I don't have {$460.00} to waste on frivolity. As a result of these unauthorized charges, I have and continue to incur difficulties with this bank such as NSF charges that wouldn't normally be assessed if had the money been in the account. My family of XXXX is a single-income home. I became XXXX over 25 years ago, and don't receive any support, such as XXXX, from the government. The response I was given from this bank was totally inapplicable to the set of facts presented. Attached to this document, is all of the correspondence which has transpired between myself and this bank. Having worked in the banking industry previously, I will say that this is not customer service. Proper customer service includes researching if/when discrepancies and/or disputes occur. I have no reason to promulgate falsehood. 

It is my hope that an acceptable resolution to this problem be reached -- - and reached soon!