WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern, This is my second complaint regarding BMW financial Services. On XXXX/XXXX/XXXX XXXX declared my XXXX BMW 320i Acct # XXXX a total loss and issued payment to BMW financial for {$36000.00}. See Exh # XXXX. 
See EXH # XXXX This was a financed vehicle, on XXXX/XXXX/XXXX Bmw Financial sent a past due notice for {$8700.00} for the remaining balance on the vehicle rather than checking my contract of sales to notice that there was no Gap waiver form signed or offered to me at the time of purchase. They continued to proceed with /after previous calls to BMW and being advised I was no longer responsible, on XXXX/XXXX/XXXX u received a letter that their records do not indicate any discussions about responsibility. XXXX XXXX was no available for questions. Tel # XXXX which is not his direct line and he does n't even take any calls. Not sure why we would state on a letter to please contact him if he does n't take calls. See Exb # XXXX As you can see EXH # XXXX - a letter my account was paid in full, no explanations in any event. I was right and they were wrong. Since last year they have been stating I owed them the balance due on the vehicle, a and once I made the manager Aware that there was no gap waiver form offered or signed by me see EXH XXXX, I should n't be responsible for the balance left over. Bmw Finanical sends me a paid in full letter that does n't state they were wrong, and they should have never been trying to collect from me nor send my personal information to a collection company. The letter appears as if I paid them in full. 
For my aggravation regarding this matter & many sleepless nights I am requesting that this account be deleted from my credit report. I am also requesting to be notified which collection company by information was sent to, and that it is deleted form their database. 
I was harassed & abused by this whole process. On the surface it looks like illegal & unethical behavior on the part of BMW Financial. Do n't know how many other customers just paid instead of doing research to see if they were offered a Gap waiver form. 
Bmw told me they report to XXXX m if that 's the case and true they should be informed of this. 

Thank you
BMW Financial Services, XXXX refinance department told me that they would refinance my balloon payment that is now due with them as long as I had a cosigner. I have a cosigner that was more than qualified credit-wise and employment wise and XXXX is still saying that this is not enough. He made a discriminatory comment about my relationship status and questioned my relationship to the cosigner. Prior to today, he told me that he would approve the refinancing of my balloon payment on this same vehicle with a cosigner. At no time did he put a stipulation on the relationship of the cosigner by saying like he did today that we had to have " lived in the same household '' at some point. Then, he proceeds to say that it probably will not be approved because of the " relationship status '' but he would note the account. I am wondering at this point what is he noting on my account? 
I purchased this vehicle brand new XX/XX/2011 at no time was my race an issue as it seems to be now. I make the same money, in fact more money than I did when I purchased the vehicle and owe over XXXX less now than what I purchased it for XX/XX/2011. I have never experienced such blatant discriminatory and rude comments and unprofessional treatment from any BMW representative as I have while attempting to keep my vehicle. XXXX XXXX shared with me what I needed to do to refinance this balloon payment on my vehicle and I have more than done so by having the income and a more than qualified cosigner contact the refinance department. XXXX is the representative that I have spoken with about the refinancing of my vehicle XXXX is the one that has taken our applications, and is the one saying that it will probably not be approved before he even finished taking the application over the phone.
I was shocked when I reviewed my credit report and found a late payment for XXXX 2017 I am not sure how this happened. I believed that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.
I have been fighting to get a ga tax lien I paid off since XXXX. It was suppose to come off this XXXX but it is still showing and I can not put in another investigation because they said its been verfied.
I filed a complaint through XXXX which was sent to trans union twice. I explained that the item listed was discharged with my bankruptcy. Both times I was told they ca n't remove it, which is incorrect and I want something done.
I had a credit card with Commerce Bank. While I had charges on the account, I was paying the billing per the amount requested and on the due date in the approximate sum of $ 100+ per payment. I never receive any statements from this creditor and I never requested digital copies as I prefer paper copies. My card was misplaced or lost and they reissued a new card and new number. All of a sudden I have charges in the thousands, and payments in the thousands. I can not now or ever have such luxuries and would not being paying sums of money that were more than the fraudulent charges. I attempted a resolution of this account when the balance was $ 6,000+. Now the account is over $ 17,000+ and the charge limit was and is {$9000.00}. I know that I have been abused by fraudulent charges by someone, but the many thousands of dollars of payments lead me to believe that Commerce may possibly be laundering someone else 's money through my account and who knows how many others. I have no explanation other than that for what has been going on in this account, only that the charges and high payments are NOT mine. Furthermore, high amounts were charged to XXXX XXXX electronics. If I wanted something at XXXX XXXX, I would have used that charge account and not Commerce. This account makes no sense to me.
I do not have a debt with Key2Recovery. I am constantly receiving phone calls all time of the day. I just want it to stop.
Repetitive calls as in 4 to 5 calls a day. Not leaving a detailed message.
Contacted the company regarding apparent debt starting in XX/XX/ 2017. No  contract with this business to collect a debt from me. I've reached out several times and asked this agency to validate the debt along with documentation from the original creditor with no response. I sent validation letters via certified mail to ensure that they would be received. This company is causing me financial hardships as it is reported to my credit monthly which is making it difficult for credit worthiness. I would like this item to be deleted off my credit report in fairness of my rights with the laws and regulations of the FCRA.
THIS IS MY FINAL ATTEMPT TO GET A RESOLUTION BEFORE LITIGATION IS PURSUED. XXXX XXXX XXXX, XXXX is reporting a collection account to all XXXX of my credit bureaus that is not mines. I have no contract or business dealings with XXXX XXXX XXXX, XXXX. I have never received any correspondence from XXXX XXXX XXXX, XXXX. I have requested documentation in accordance with the FCRA, but XXXX XXXX XXXX, XXXX refuses to comply. XXXX XXXX XXXX, XXXX is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure XXXX XXXX XXXX, XXXX understands the importance of properly investigating my concern. This has caused a great financial and credit burden on my family as we were recovering from medical issues and the aftermath of Hurricane Irma. XXXX XXXX XXXX, XXXX stated they would cease collection efforts yet still report an debt not mines to all my credit bureaus. They claim to have never received correspondence from me which is false. I will continue to document my efforts to get this issue resolved and seek litigation if I need to.
at XXXXXXXX XXXX. Sunday, XX/XX/XXXX I missed a call from an unfamiliar phone number that left a message for me. The call came from ( XXXX ) XXXX, claiming to be with Citibank. I do have a Citi card. When I called back they asked for the last 4 digits of my cc, which I did not have. In lieu of having the cc number it asked for my social security number. I started entering the number, then felt uneasy and hung up. Their message was thanking me for being a part of the Citibank family and asking to log into their website to review my account status, or call them at ( XXXX ) XXXX. I logged into my Citi account and their were no messages there. I called Citi myself today, at ( XXXX ) XXXX, which is the number posted on their website. The CSR told me that they had no record of any call, and the only time they'd call would be to discuss a late payment. The account is always paid on time. I tried the ( XXXX ) XXXX number today, and again it asks for either the last 4 digits of my account number or my ss #. However, I kept dialing " 0 '', and got a CSR -- but the background  noise/call quality sounded suspicious. I have googled both of these numbers today and seen different posts of it being a scam. Thanks in advance for your help. 
XXXX XXXX XXXX
I applied a mortgage through Universal American mortgage company o n XXXX XXXX, my XXXX number is # XXXX. 
During the processing, I noted to their mortgage officer XXXX XXXX, and, processior XXXX XXXX, that I am always on the trip, so best way to reach me is by emailing. 
Till to the mortgage was approved, everything working perfect, and I finally got my loan. 
I start to mail the mortgage payments by mailing checkes, start from XXXX XXXX until XXXX XXXX. 
At that 8 months, I try to set up the auto pay to avoid any delay or XXXX payments, and wrote email to XXXX XXXX XXXX on XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX to ask the situation of my mortgage statements, and how to set up payments. 
Since I am out side of States, I have my real eastate agent, XXXX XXXX to ggive them calls almost every month to help me set up autopay account. 
Non of them reply by email, or pick up phones. 
So, I left my checks to my office, and my people help to mail check every month like usual. 

Until, XXXX XXXX XXXX, I back to U.S from a long trip, I got a goodby mail from UAMC ( the universal American Mortgage Company ), said my loan was sold on XX/XX/XXXX! 
And, I received a voicemail from PennyMac ( the new lender ), I was four months delay on my mortgage payments already! 
So, I called XXXX three time to verify what 's happening, and make payments in 10 days. 

At that moment, I put out all my bank statement and found my checks were transferred to pennymac for several times. And, there XXXX checks were missed, and might be XXXX was refused to transfer by Universal American Mortgage Company. 
I called UAMC service office, and try to work out how many payments they received, and why has nobody can reply my emails, and loan officerhad not been able to pick up phone calls from us ( which they frequently talked before this loan was approved ). 

I was told by UAMC that my loan was sold, and they are not be going to answer my any further questions. Yes, and even I called them on XXXX XXXX, XXXX, aksing a records of my payments, try to figure out how many checks did they forwarded,. 
NO BODY give me a call back, because I was sold! 

XXXX XXXX people even has a little bit professional mind, they should notice it, and inform me my loan was transferred. 
Which I am completely okay with that! 
NO Calls, NO picking up calls, NO replying emails, NOt taking care of customer 's re requirements. All my mortgage issues massed up, and my credit score is terriable. 
In that 8 months, I honestly mailed checks every single month, no missed. 

I paid the late pay fees, because I understand it 's not XXXX 's mistakes. 
But, I am really have questions for UAMC, how could they take care of their customers, and how they people feeling kind of massing! 

I wish you can fix my credit score! 
I wish you could talk to them, since no one care aboutme from UAMC. 

Thanks!
I recently wrote UNITED COLLECTION SERVICE a letter asking them to verify the debts that they keep under my name. According to FCRA they are required to validate any debt. Not to mention, withholding any information they received from any medical provider in attempt to HIPPA complaint can be a violation of the FDCPA. I have requsted full documentation of what they have to verify this/these accounts. There is no signed documentation that they sent me stating that I have a binding, contractual commitment with UNITED COLLECTION SERVICE. According to FCRA any company is REQUIRED to provide a method of verification which should consist of the actual and original signature of the individual they are contacting.
I mailed the attached letter to them 3 times and have verification that they have received it. However, they have reported the debt on my credit report and they have refused to contact me via mail as I have requested in the letter. They have not contacted me at alI after I mailed this letter. I would like to report them for unfair credit practices.
This company has failed to send a written notice of the debt. They have contacted me several times and I have made them aware that I have n't received said letter.
We decided to file this complaint after reading several articles regarding a lawsuit filed against   XXXX   XXXX  /Navient. The complaints described in this suit sound very familiar to some of the experiences we have had. We unfortunately do not have specific dates and amounts, as we never expected an opportunity to file a complaint.Several years have passed since we have attempted to adjust our repayment. I set up an agreement with  XXXX   XXXX  in   XXXX   regarding my private loans that consists of a low monthly payment, but the loan remains in default and is negatively impacting my credit. Previous to this agreement I had spoken with the company several times to try to lower the $  XXXX  monthly payment with no success. Forbearance was the only option given to us until that ran out. By that time the payment was so high it surpassed our housing payment. My wife can specifically recall asking about income based repayment for this loan and was told that it was not an option. Something is just not right about us now owing {$56000.00} after already paying {$33000.00} when the original amount borrowed {$35000.00}.
MACYS CREDIT CARD - On  XXXX / XXXX / 2017  - Called in to close card. Transferred to " consumer agency department '' without any explanation. Once requested the reason the rep became irritate, and refused any explanation. Is this just a way to make closing the account harder more difficult? Fraudsters typically do n't close accounts. Also, by law should n't there be some verbal dis-closer explaining that additional information will be asked and why? Very unsafe in this day and age > shame on you Macys.
I have been paying this loan since 2008. My original balance was XXXX and 8 years later i owe XXXX with an 8.5 % interest. I can only afford XXXX a month, of that XXXX, XXXX goes to interest. American Education Services is the worst lender in the world. Refuse to talk to me and told me to get another job. How is this legal? They are getting away with ripping people off!
Select Portfolio Servicing is foreclosing on my home. Over the years I have been unable to find the Noteholder/owner of my home. Over the past few years I have hired 2 attorney companys to try to get me a modification the last being bloom law group. SPS had stated that XXXX was my noteholder/owner of my note. I applied for a modification with the help of XXXX XXXX XXXX who I paid over {$6000.00} and SPS declined my modification application saying XXXX XXXX the investor had said no. So I went to XXXX XXXX executive office and was told they did not own the loan and was asked to leave. XXXX stated XXXX XXXX  owned the loan.. I contacted them and they sent me 3 letters saying they did not own the loan. They said XXXX XXXX XXXX XXXX XXXX did. I have 3 emails from XXXX XXXX  XXXX stating they do not own the loan. I requested repeatedly to SPS the current deed of trust assignment and have attached what they sent me which is fraudulent. XXXX paid {$10.00} for my {$300000.00} home. they did not send me the fraudlent XX/XX/XXXX filing. The deed of trust of XX/XX/XXXX was backdated and fraudulently signed with no assignor. This forclosure says it was a Jp chase, XXXX  XXXX XXXX XXXX XXXX  for XXXX XXXX asset backed securities trust XX/XX/XXXX asset backed certificates series XX/XX/XXXX. I have asked repeatedly both written and verbally for the paper trail to this loan and only received these 2 fraudlent papers. The loan originated with longbeach mortgage went to wells fargo to Washington mutual to bear sterns and sold to a trust. We have hired a forensic mortgage examiner and they have documented all the fraud. We went thru the mortgage modification process and were denied saying that XXXX has said NO. They don't own it. We are currently going thru another mortgage modification process with this foreclosure hanging over our head. We Just want to save our home, The loan was sold to a trust and none of the companies involved are currently in business. XXXX XXXX XXXX has filed false foreclosures on my home in the past and continues to try to foreclose with false documents also and no offer of mediation which Oregon requires. We just want a loan modification without all the fraudulent servicing fees.
I have written numerous QWR 's requesting the account owners name and address including the name and phone number of a contact person.This account was put into " REO '' status XX/XX/XXXX. SPS continually responds to the request naming XXXX XXXX as the account owner but not including an address or contact information. In the latest response to my letters requesting validation of debt. The foreclosing attorney now says XXXX XXXX XXXX is the owner of the note but SPS continues to respond in writing stating XXXX XXXX 's ownership of the account. XXXX stated in their response to the QWR that I sent them, saying, this property had been foreclosed on in XXXX XXXX? When speaking with SPS over telephone. The various relationship managers say that XXXX is their client ( the servicer ) and that SPS is SubServicer, and that XXXX is the owner of the Note. But written correspondence SPS continually states that XXXX XXXX owns the account as trustee for the holders of XXXX XXXX XXXX Trust. SPS 's definition of an account owner includes owning the note. XXXX denies any affiliation with this note or account at this time. Currently there is a foreclosure sale scheduled for XXXX XXXX, XXXX. The preforeclosure letter dated XXXX XXXX, XXXX I received from the foreclosing attorney states ; SPS is their client and has directed the firm to commence with the sale for XXXX XXXX as owners of the mortgage and trustee for the holders of the XXXX XXXX XXXX Trust. SPS refuses to acknowledge the account being placed into " REO '' status maintaining ownership of the account by XXXX XXXX and refusing to provide me with the necessary contact information for the current note owner or owner of the account. There are several issues that need to be addressed : XXXX is the chronological timeline of correspondence and my attempt to get correct answers concerning the current owner of this Note. 1 ) The hiring of SPS as SubServicer XXXX XXXX 2 ) The foreclosure sale of XXXX XXXX, XXXX as stated by XXXX. 3 ) Foreclosure shows up in XXXX report XXXX XXXX XXXX XXXX The account is placed in " XXXX '' status XXXX XXXX. XXXX ) SPS refuses to address " XXXX '' XXXX XXXX to this day 6 ) Modification application submitted 7 ) Modification proposal received 8 ) Dispute of errors and omissions letter sent 9 ) SPS refuses to address " REO '' and account balance XXXX Foreclosure sale notice XXXX XXXX, XXXX 11 ) QWR to SPS and Debt Validation sent to attorney 12 ) Debt Validation response received 13 ) Foreclosure sale terminated XXXX XXXX, XXXX 14 ) QWR response 15 ) foreclosure sale notice XXXX XXXX, XXXX 16 ) QWR sent to SPS and Debt Validation sent to attorney 17 ) Foreclosure sale placed on hold XXXX XXXX, XXXX XXXX ) QWR response 19 ) Foreclosure sale notice XXXX XXXX, XXXX 20 ) QWR sent to SPS, XXXX and attorney XXXX XXXX, XXXX 21 ) QWR response from XXXX XXXX XXXX, XXXX 22 ) Foreclosure sale postponed XXXX XXXX, XXXX 23 ) QWR response from SPS XXXX XXXX, XXXX XXXX ) Complaint sent to CFPB
Discover is displaying the incorrect balance for my credit card. Please see attachment and not that the math does not add up. Also note that if you included the pending activity of {$8.00} you still do not arrive at the balance that is stating so the pending activity can not be the issue.
On XXXX XXXX 2015 I Applied Online for discover credit card after I check the status I was very negatively surprised to see I was declined, I contacted discover customer service agent and was informed that the reason why I was denied is because i had old account which was closed by credit granot because it was inactive which by Federal Law and By Equal Credit Opportunity Rights is not Legal to take adverse action because you had account in good standing and it was closed due to inactivity. After asking to speak supervisor and my request was escalated I was not lucky to be introduced to XXXX XXXX XXXX. She Told me she will investigate why and after 7 or more days could n't give me fair and legal answer, The Answer remained same that because I had Joint account and account was closed due to inactivity and I can not apply to join Discover Card Family. Please know I contacted in meantime with XXXX Credit Reporting Agency and obtained my free credit and score allowed by law if creditor takes adverse action to verify if I have any negative items or any other reason that my credit card application can be declined in which I saw and can confirm that I have Perfect Credit And only 12 % XXXX Population can have So Much Perfect Credit and XXXX Fico Score. 


I am writing to you because The service was not carried out with the necessary skill The service was not carried out with proper care and attention The decision is not acceptable and I will file claim to Consumer Financial Protection Bureau, XXXX, Federal Trade Commision I was treated very unfairly and in my opinion law was broken I suspect maybe there are other reasons like Race Sex national Origination or other reason which is not allowed to be used to make credit decision. and many other reason ... 


According to Equal Credit Opportunity Rights, prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance. Creditors may ask you for most of this information in certain situations, but they may not use it when deciding whether to give you credit or when setting the terms of your credit Please keep in mind I have Great Credit And Very Good Income And My Debt to income Ratio is Almost 0 % Also I want to Mention I have More Then 20 Year Credit History And I never been Late and or seriously delinquent and Never in My Life I Filed Bankruptcy. 


I would appreciate your response as soon as possible. If you wish to discuss this further, I am contactable by telephone/email Phone number XXXX XXXX XXXX Sincerely, XXXX XXXX Discover Card Apllication reference number is : XXXX.
my wife and I had a cell phone with XXXX XXXX in 2004, or prior ; the only statement I have kept is from XXXX, 2004. XXXX was bought out by XXXX, which has since been bought out by XXXX. I was charged an early termination fee, despite my explanation that we had fulfilled our contract. Obviously, I refused to pay it, and I 've had to dispute it with XXXX, repeatedly, as well as at least 1/2 dozen subsequent collection companies. 
I called Dynamic Recovery Solutions today, and explained this and will forward add'l documentation to them. I understand the the current owner is XXXX XXXX XXXX XXXX XXXX ; So I will name them in this complaint. The documentation that I attach will illustrate how wrongfully we have been harassed about this obligation for more than 10 years.