WillisBack/dataset-financial-user-claim huggingface dataset:
Portfolio Recovery Services is trying to collect a debt from me that is not mine. I got repeated phone calls where they refused to identify themselves until I told them my name. Then they would not tell me their business because I would not tell them my address. I got several of these calls. I figured out who they were and complained to the state of Utah and to XXXX. They responded to the XXXX complaint and stated that they had no debt associated with me and agreed to delete my phone number from their records. But they got my address from the XXXX complaint ( Case # XXXX ). I have now received a letter from them with information on the account they are trying to collect. It is for a XXXX account. I have never had a XXXX account, I have never purchased anything from XXXX, and the address on the account is not mine. I have been living at my current address for over 20 years ( the account they are trying to collect is from 2014 ). I googled the name and address, and the name on the account matches the name at the address. I have the same name, EXCEPT for the middle initial. I called Portfolio Recovery to try and tell them that the person on the account is not me and the account is not mine, but when I refused to give the guy ( XXXX ) the last XXXX numbers of my social security number, he hung up on me. I will not give them my SSN under any circumstances, because I am sure they will use it to affect my credit. 

Portfolio Recovery has arbitrarily assigned a debt to me that IS NOT MINE. My name is very common - there are dozens ( if not hundreds ) of people with the same name. Without any justification, they have pulled my name and number out of the phone book and started harassing me. I am pretty sure this is not a case of stolen identity. I have XXXX credit monitoring services active right now ( from the XXXX hack, and the XXXX hack - I had a security clearance until I retired ), and I have also reviewed my credit reports ( as a result of the Portfolio Recovery phone calls ). There is nothing untoward on my credit reports, unless they have done something in the last couple of weeks.
In XX/XX/2017, I took out an installment loan for {$1500.00}. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. 57.35 % of {$1500.00} is {$860.00}. While I appreciate the account has been closed and marked " Paid in Full '', BBL actually owes me {$1100.00} in overpaid interest.
Noticed an account from XXXX that is incorrectly being reported. I contacted the debt collections agency and they stated they do not have an account under my information, as it was returned to the original creditor, XXXX. However this is still reporting incorrectly on my credit report for both Experian and XXXX.
Macy 's American Express Credit Card ( " AMEX '' ) failed to deliver my e-statements through the XXXX XXXX XXXX Bill Pay for three months in XX/XX/XXXX. During those three months, AMEX continued to incur and accrue interest and penalties on my account. On XXXX/XXXX/XXXX, I had phone conversations with XXXX different AMEX customer service representatives attempting to resolve the situation. During one of the phone conversations, a representative indirectly refused to mail me the missing statements ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and my request to speak to a supervisor was denied as well. In addition, some of the key information provided by the XXXX customer service representatives during the phone calls was inconsistent with the information listed in the XXXX XXXX XXXX XXXX/American Express Credit Card Agreement regarding the billing statement. 
My AMEX credit card account was opened in XX/XX/XXXX. Since then, there has been no change to my AMEX account and account number and the XXXX XXXX XXXX Bill Pay and e-statements through XXXX XXXX XXXX. On XXXX/XXXX/XXXX, I paid the cumulative interest and penalty of {$100.00} in the XXXX, CA Macy 's Department Store to stop the AMEX account from continuing to incur interest and penalties while the complaint process continues. 
As of today, AMEX has not delivered my missing statements. Please see the attached personal statement and supporting documents for details.
XX/XX/2018 i went to zales to buy a engagment ring for the sales reps was nice but fail to tell me about the hard inquiry and aproved me a amount and advised me to make a purchase worth the amount with the lack of knowledge on how that would effect my credit my score drop 40points XX/XX/2018 XXXX/zales decided to report a missed payment when in fact I did pay.Calls where recorded about experiancing hardship and comfirmed set date for monthly payment and was paid schedule. They refuse to remove the 30 day late payment. This is false and in turn brought my credit score down 40 points again! totaling over 80 points damaged my score with companies refusing to loan to me as i plan on buying a home.
I was part of the Equifax credit information hack. it is unacceptable that I have to PAY to freeze my credit when I did not consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
I have disputed the late payments on XXXX XXXX, and XXXX XXXX XXXX   XXXX  XXXX accounts for months. Equifax also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
My loan account with Navient is set up to automatically draw from my bank account. The amount withdrawn is greater than the minimum payment for all of the loans combined each month ; however, every month for the past number of months I have been charged a late fee. I contacted Navient and was informed that there was an issue with the allocation of payments, leaving some loans overpaid and some underpaid. They assured me that this would not happen again, yet it continued. For the months I did not realize this was happening, it negatively impacted my credit score. Although I was reassured monthly that this would not happen again, it continued happening.
I filed a complaint with the Credit Card Company and I'm including all the communication ( XXXX XXXX XXXX XXXX ) between the Credit Card Company, the Merchant and me.

In summary, there were two issues : 1. The merchant offers different advice service for the trading / investment in the stock market. The promotion of this specific service I purchased is a fraud. After 45 minutes video and long promotion the claim ( XXXX XXXX XXXX XXXX XXXX ) is " 100 % accurate in picking only winners for year-long stretches ... ''. ONLY AFTER THE CREDIT CARD PAYMENT IS PROCESSED, I had access to the transactions performed during the last two years. The accumulated TOTAL for last two years is negative in both years. I requested to cancel the service with the merchant and with the credit card the very first day, since it is clear that the service was a fraud.

2. The other issue is that I paid for a year subscription of an advice service that claims to use software that find & follow the trades of successful well renown traders as " XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX " Then, 45 days after I subscribed, they decide to CANCEL the " XXXX XXXX XXXX '' with the " XXXX XXXX XXXX '' and just transfer to OTHER ADVICE SERVICE called the XXXX XXXX XXXX  ( XXXX ). They claimed the service was similar. 
In my book if I subscribed to a service for a year and THE MERCHANT decided to discontinue that service and the client DOES NOT WANT THE ALTERNATIVE PROVIDED, simply you must be entitled to a refund for the period the service will not be provided. 

In both cases, a misleading promotion and a cancellation, the merchant did not want to return the money because according to them they have a " non refund '' policy. This is the reason why the Credit Card is based on the reasoning of the merchant ( XXXX XXXX XXXX ). It is my opinion that " non refund '' policy that does not provide the service is a steal. A credit card company must protect their clients from this type of frauds, not allow them.
My girlfriend received a phone call from a Sunrise Credit Services , Inc. about a week ago. She did not recognize the number and did not take the call. Soon-thereafter, this collection company contacted her number again and she decided to find out what was going on. After she identified herself as my spouse ( which she is not ), the collection agency continued to disclose my information to her without properly verifying. They informed her I had a debt with their organization for a phone bill. According to my girlfriend, this agency disclosed a lot of my personal information. The state of Illinois has a spousal restriction law and also third party disclosure laws. These laws have been violated by Sunrise. Upon contact with me, my girlfriend informed me of what occurred. I asked her to call the number back from her caller ID to see what was going on. When the agent answered the phone they specifically asked what number was dialed and then proceeded to state their call was a mistake. However, the agent then asked if she ( my girlfriend ) know who I am. The problem I have with this is, if they claimed they dialed a wrong number how did they come to ask for me? I am pretty sure many violations occurred on behalf of Sunrise.
I was mailed a offer to relieve bonus miles as part of opening a new account. The miles we 're award however did not show up to my miles account with the particular airline. When I called to inquiry about this I was told it was due to having a incorrect airline miles account number. The correct number was given and I was told to expect the miles in XXXX hours. The miles never showed up so when I called I was told the miles would not be awarded due to having a previous account with the company. No where on the mailing solicit ion was this information provide in a easy to understand format. If I was not eligible for the account and/or bonus offer why was I solicited for the account. The company had all of my previous information and knew I would not be eligible. However this was not made clear to me when I first called about this issue. I was lead to believe I should expect the award miles to be available in my account.
My complaint involves having to pay a personal property tax on my leased vehicle each year. I feel that this is unfair since I drive my leased car for pleasure only. I am retired and do not use the car for any business purposes, now or in the past. I 've been leasing since XX/XX/XXXX and on my third lease from Toyota Financial. I have been told that the tax office of XXXX County or the City of XXXX charges Toyota Financial a personal property tax on leased vehicles and Toyota Financial passes the cost on to each customer. At the start of each lease, I signed a notice that stated the vehicle will not be used for the " production of income or activities that involve the production of income. '' I do n't understand why the tax office charges the tax on a vehicle that is not used for the production of income. The most recent bill is for a XXXX Toyota Avalon which I no longer have. I turned this car in for a XXXX Avalon which I 'm now driving and most likely will have to pay another bill for personal property tax this year also. Since TFS paid the tax on my behalf, I suppose I have no choice but to pay them back. I just feel that this is a consumer ripoff. I appreciate any assistance you may be able to provide. Thanks.
Re-XXXX of Central Credit Services ( XXXX ) XXXX keeps My Family very uncomforted. He calls our home phone at very odd hours and weekends. We have tried to stop him ourselves but he is out of control by us. He tells my Associates that I owe him $ 11,000.00.I do not know him and have not in any form encountered him in any Business. 
Please help my family by putting to check. 
XXXX XXXX.
when this person contacted me at work XXXX times in a row, also going through the receptionist in our office. When I finally had a chance to answer them I ask that he not call me at work and to mail me any correspondence. He did n't even Identify that he was calling for me and told me that he was going to contact my human resources so that I would get fired.
I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never been seen by their physician ( s ), hospital, clinic, or other medical treatment facilities. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I have requested on two separate occasions via the USPS validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XXXX XXXX, 2017, and  XXXX XXXX, 2017. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided VOD within 30 days. They do not have evidence of an account in my name. There are no medical records in my name housed by their physician, clinic, or hospital. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.
XXXX reported to all 3 credit bureaus, that I was late 30 days in XX/XX/XXXXand 60 days late in XX/XX/XXXX both in XX/XX/XXXX. When I contacted XXXX they said those payments were returned due to ISF. I maied and emailed them copies of my bank statement proving I was not late and that my bank processed my payments. This was done in XX/XX/XXXX. I also mailed copies of my bank statements to all three credit bureaus, and yet XXXX electronically verified that their reporting was accurate and the late payments are renaing on all credit reports I tried contacting all three reporting agencies and was told that even with proof if my bank statements it was up to XXXX to correct it, and they refuse.
On XX/XX/XXXX, I mailed XXXX a dispute letter for each of the negative accounts included on my credit report. The letter stated : This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you  are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. The accounts included in the letters were : XXXX XXXX XXXX XXXX, XXXX XXXX AWA COLLECTIONSXXXX AWA COLLECTIONS-XXXX XXXX XXXX XXXX XXXX They deleted the XXXX  XXXX XXXX and XXXX off my credit and sent an updated report. However, XXXX XXXX XXXX and XXXX, XXXX came back updated and said met FCRA requirements. They did not send me any documents in my file at all. I do not have any signed contracts with any of these companies. XXXX and XXXX has deleted all of these items off of my report already. XXXX, however, is breaking the law. Thank you, XXXX XXXX
XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX opened a collections effort against me for XXXX XXXX  XXXX XXXX. It appears to be dated XX/XX/XXXX, 2017.  XXXX XXXX XXXX XXXX charged me for services provided by laboratories that were not in the network for my XXXX XXXX XXXX XXXX coverage without my knowledge or approval. Each time when I checked out of the office, I was told that no payment was due. 
When I attempted to discuss the account with XXXX XXXX  XXXX XXXX on several occasions, they would not address the issue in detail and never returned phone calls in regard to the matter. It appears that they have done this several times and have not attempted to resolve the issue when I contacted them to discuss the matter. These are unauthorized charges as they are associated with annual physicals that are fully covered under my insurance plan. This appears to be a repeating pattern for this medical group and should be investigated by the Georgia licensing board as an unfair practice. If this negative impact matter is not promptly removed from my credit report, I will file formal complaints with the governing medical licensing group and with my insurer in an attempt to have the practice removed from in-network status with XXXX XXXX XXXX XXXX.
On XXXX XXXX, 2017 I sent a letter to Transunion asking what information they used to validate the following information on my credit report that they were reporting as verified. 
( XXXX XXXX XXXX ). I am submitting this complaint because I have a problem with Transunion investigation into my dispute. I was never given the 30 days by law to dispute the account before it entered my credit report. After having submitted via writing on XX/XX/17 the dispute. Transunion is reporting this as verified buy the company isnt legally allowed to collect in my state. and I havent been sent the information used to verify said debut. Per the FDCPA Once my letter is received, the collection agency must stop all collection activity, including reporting and verifying, until they supply proper validation of the debt. And since they have not supplied said information all collection information needs to stop.
Filed numerous complaints against this company to no avail. I recently noticed Green Tree has my account XXXX ( XXXX days ) past due which is totally false. I have bank statements to proof it. billing showed a XXXX ( XXXX ) missed payments, even though my bank records showed they had cashed. This company are crooks.
XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX This auto company needs to update my credit reports as of now not late and have a balance for XX/XX/2018 of XXXX. it is showing on my report that I am still owing {$1100.00} while I have no past due as of today XX/XX/2018. 

They have customer service foreigners that did not always understand me whenever I talked to them.
Sent a letter dated XX/XX/2018 directing XXXX to mail my yearly consumer disclosure and to freeze my consumer file. 

XXXX choose not to follow my wishes and did not send me a copy of my consumer disclosure.
Continually harass my husband and I. I am a XXXX out until XXXX starts back XXXX XXXX and my husband is out on XXXX so we are unable to pay the loan. Keep asking us to borrow the money, call constantly, and are rude and threatening.
I have already made a complaint with this company on XX/XX/2018 and they said they needed more proof of my identity which is bull since they had my name. They need to remove these hard inquiries off my credit reports because I never had a contract or gave authorization to my information!
There is a fraudulent account in collections being reported with XXXX XXXX XXXX. I've attempted to dispute this numerous times with the 3 credit reporting bureaus and have had no luck getting the information updated or removed.
PLEASE PUT A COPY OF THIS EMAIL IN  CEO, WELLS FARGO ,  XXXX   XXXX   XXXX   reading  file : Dear   XXXX   XXXX   : Maybe you would like to explain to me why your in " VIOLATION '' of not issuing my " ESCROW CHECK '' for  XXXX  under the provisions of  12 CFR 1024.17 (  b ).   If the escrow account analysis discloses a surplus, the servicer shall, within 30 days from the date of the analysis, refund the surplus to the borrower if the surplus is greater than or equal to {$50.00}. If the surplus is less than {$50.00}, the servicer may refund such amount to the borrower or credit such amount against the next years escrow payments. These provisions apply as long as the borrowers mortgage payment is current at the time of the escrow account analysis.  <P/> I have talk to your mortgage company at least three times on this and they assured me the check was cut on   XXXX   XXXX  , 2 017    and mailed to  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , UT  XXXX . Well guess what it has never arrived, so therefore I WOULD HIGHLY RECOMMEND   XXXX   XXXX   A STOP PAYMENT ON THE FIRST CHECK ISSUED AND ANOTHER CHECK BE SENT OVERNIGHT MAIL TO THE ADDRESS AS INDICATED.  <P/> Know if I were late on my mortgage payment the shoe be on a different foot, because your staff would call without hestitation, where is the payment, but being it on your side of the house, there will probably be a 1000 excuses as to why it has n't arrived. We do receive mail on a regular basis at my address so let 's rule out the mail excuse.  <P/> This is just another example of  WELLS FARGO  NOT PUTTING THE CUSTOMER FIRST.  <P/> Just for your information a complaint has been filed with the  Consumer Protection Bureau  for not ensuring that my check arrived within 30 days of closing and paying off this mortgage, Being you are the  CEO of Wells Fargo , I want you to DIRECT THE MORTGAGE DIVISION TO TAKE AND PUT THE  XXXX  INTO MY  WELLS FARGO C HECKING ACCT as an exception to policy because we both know " YOU '' can do that if directed   XXXX   XXXX   XXXX . Of couse we also know there is a  1000 excu ses as to why not. Or you can have your local office in  XXXX   XXXX   XXXX  print the check and I will pick it up, of couse I am sure your staff will fine  a 1000  excuses on that request also.  <P/> I had better receive the check by no later than " THURSDAY ''   XX/XX/XXXX   or I will request a Congressional Inquiry as to why your staff ca n't comply with the provisions of  12 CFR 1024.17  ( b ) or whose in box is that check laying in and has not been dispatched yet?  <P/> If your staff calls me they are going to have to leave a message, because where I work I ca n't take a cell phone in the building. Also I am an hour behind Iowa in time, we are o n Mountain Time, vs Central.  I close on the refinance on   X/XX/2017 .   <P/> I look forward to an expeditious reply.  <P/><P/><P/> Very respectfully,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX   XXXX  Cc  : Consumer Protection Bureau