WillisBack/dataset-financial-user-claim huggingface dataset:
I have debts that were charged off many years ago. The statute of limitations for collection has long expired. Now, P & L Acquisitions has been harassing me for a year. Several phone calls per week telling me I must respond or I will end up in court. I have spoken directly with a human and told them I know the law and they must tell me the exact creditor, the exact amount they are trying to collect, and I receive absolutely NO factual information. I receive a letter at least once every two weeks. I finally sent a Cease and Desist demand letter to their " FAKE '' business address. After 15 days of never being an open business location, the post office was forced to return my letter as undeliverable. I demand that this scamming, illegal, fake, collection practice be STOPPED!!! Yesterdays phone call, from a female, was the worst. The woman declared she was a processor for the County ( what county? ) and that they will send my name to the Sheriff in 48 hours, for a service summons. THAT 'S IT! I 'm done tolerating this illegal abuse! P & L Acquisitions is all over the internet as a scam and moves from state to state. The supposed signature on their threat letters is also the signature of someone who has been deceased for several years now. SHUT THEM DOWN!
XXXX XXXX calls me daily even though I have never had a loan with them in order to try to collect a debt. They have told me my phone number must be mistakenly associated with someone else 's account and I have asked them to stop calling me ; however, they will not. One employee said they would put me on their do not call list. The next employee I talked to said there is no such list, but would forward my request onto a supervisor. I asked if I could speak to a supervisor, but was told there wasn't one available. This company is harassing me for no reason and is refusing to stop. This is my second complaint against them ; they did not respond to the first one and continuing to call me daily and then tell me there is no reason for me to be upset when I call them when they refuse to stop harassing me. Please help me!
I called Portfolio Recovery Associates on XX/XX/2018 in an attempt to make the final payment of a three part installment debt settlement agreement. I agreed to pay approximately {$1800.00}. The final payment was supposed to be {$600.00}.

I called this debt collector five times. Four of the first 5 times, they hung up the phone on me, after I provided my social security number, but declined to provide my name. 

I declined to provide my name to the debt collection agency, because I could not think of any justification for requiring my name, if I have provided my social and they are looking at all my profile information which include my name on their screen. I was collecting from a recognized phone number. They are a debt collection agency, any information they obtain would be used for that purpose and I was not interested in providing anymore information to them than absolutely necessary. 

The first 4 debt collectors refused to take my payment and hung up the phone on me, angry, frustrated and annoyed that I had refused to confirm my name. Apparently, they missed the irony of being on the receiving end of an unwelcome phone call regarding a debt -- in this case, a debt for which they bore zero responsibility. 

This complaint regards statements made or not made by the 4th debt collector. I asked her on several occasions, " Are you a debt collection agency? ". On every occasion, she refused to affirm that she was a debt collection agency and refused to say that any information obtained would be used for that purpose. She insisted on answering simply, " We are Portfolio Recovery. We handle personal business matters. '' She repeated this over and over again. 

I find the statement this company has seemingly trained their employees to utilize ( " We handle personal business matters. " ), when juxtaposed with what collectors are required to say ( " this is an attempt to collect a debt '' ) and disclose, to be deeply misleading. 

I feel this organization has violated federal law, the FDCPA, in seemingly training their representatives to say, " We handle personal business matters '', specifically when asked, " Are you a debt collection agency? ". I further feel Portfolio Recovery Associates is a threat to consumer rights and protections and it is within the purview of the CFPB to conduct a full investigation, to compel them to follow federal consumer law and punish them as necessary. 

I pray you will investigate this matter promptly. 

It should be noted that the fifth agent was an extremely polite woman who did not try to compel me to do anything, but simply took my social security number, confirmed my information on her screen, confirm the payment history and call history with me and collected the payment from me. She exhibited great humility, poise and emotional intelligence, attributes which I found completely lacking in all other agents. That is a credit to the 5th agent and a disgrace to their entire organization.
I have XXXX accounts on my credit report that I have disputed repeatedly for just over a year now. I have provided proof from the creditors about the accounts and the errors that needed to be corrected. Each time I file the dispute with Equifax they come back saying that it has already been verified and has refused to make the correct changes according to the letters I have submitted to Equifax from the different creditors. The following is a list of the accounts with issues. I will also be attaching the documentation showing that these accounts should be corrected. If Equifax does not fix these accounts this time I will file a law suite against them for reporting false information and violating my rights under FCRA. 
1. XXXX XXXX XXXX # XXXX - this account was paid in full back in 2007. Was never a charge off. Also, this account is past the statute of limitations for repotting and must be deleted from my report. 
2.XXXX XXXX XXXX # XXXX - this dr office is balance billing for amount over my co-pay which I am not required to pay. I contacted them and they provided a letter that this was reported incorrectly and was to be removed from my credit report. I have attached the letter as proof that this account is to be deleted. This account is being falsely reported and is past the statue of limitations. It must be deleted. 
3. XXXX XXXX XXXX XXXX - this account was paid in full before being sent to collection. This company has repeatedly harassed me despite me providing them with proof that this account was paid in full prior to it being sent to them. I have filed several complaints and disputed this account as required. I have also provided proof that it was paid and never should have been reported. This account must be deleted. 
4.XXXX XXXX XXXX XXXX XXXX this account was paid by insurance company late due to the provider not filing the claim properly. I have a letter form this agency saying this account should have never been reported on my credit report and is being reported in error. Not to mention this account is also past the statue of limitations. It must be removed. 
4. XXXX - # XXXX - is reporting my account late. This account was never paid late as stated in the attached letter. These late payments reporting must be removed. 
I hope to finally get some results with the CFPB help. Every time I dispute, send, call Equifax with the documentation that this accounts are in error. I get the standard we investigated it and it is reporting correctly. How? can that be when I have proof that it is wrong.
XX/XX/2018, XXXX for debt collection. The company is trying to collect debit that was resolved and they refused to send new bill as the bill should be XXXX. 
They practice illegal collection methods.
In XX/XX/XXXX my husband, a veteran, passed away. We shared a home together in which he was the only person on the Note for the home, I was just on the deed. This is a VA home loan. Last XX/XX/XXXX the home foreclosed and went to auction. Since I had never opened his estate and was never on the note I allowed the property to foreclose because without opening his estate I could n't do a deed in lieu of foreclosure. XXXX the lender would never speak with me concerning the loan because I was not authorized on the account. XX/XX/XXXX I got a notification on my credit check monitor that a foreclosure had hit my credit report when the loan itself was never even on my credit. After contacting XXXX XXXX, the debt collection agency, they had deemed this an error and told me that they would expedite the process of removing it from my credit. After two weeks I followed up and XXXX XXXX told me that another company had reported it to my credit, Dovenmeuhle. XXXX XXXX explained to me that their research team had sent information to this company 's research department. After contacting Dovenmeuhle and them refusing to give me any information on how or WHY it is on my credit I felt at a loss. I finally reached out to XXXX who said they would look into the issue, but because I was not authorized on the account that they could only give me limited information, but would look into the issue and get back with me by Friday XX/XX/XXXX. Why is it reporting to my credit? I feel this is an error, however I can not get anyone to explain anything to me. If I had " assumed '' the loan how could I have not been contacted in this process? And if in fact I assumed the loan, how am I still not authorized to speak to anyone regarding the account? This has been an ongoing issue for the past year and a half and not only is truly affecting my life, it has taken a huge emotional toll on me. I can not get anything accomplished without proper communication.
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tiedto my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Wells Fargo Mortgage has documents that are forged or Robo Siging as well as signatures placed over my signature on other documents. 

Documents have been sent out to document companies to verify the the singing as well as to other issues to documents There are several issues at hand. Wells Fargo Mortgage does not want to comply for what is said or the direct issues at hand to this issue as to other issues that they want to act as if there is nothing to the issue but there is fraud and I have had documents look at as well as signatures. 

I 'm filing an Identity theft on the Notary For Wells Fargo Mortgage as to why she sign my name and as to why she lied and said on the document I personally appeared before her in which I did not nor sign any document. 

I have filed a police report on the Notary/Agent Identity Theft and will have her prosecuted in the courts for Identity theft. 

I have given Wells Fargo Mortgage enough time with playing there games in which I had some file on the Notary/Agent acting on Wells Fargo Mortgage. 

Some one will talk once there arrested as a notary/agent for Identity theft. 

All Wells Fargo wants to do is play games and act as if they have done nothing or not acting in fraud.
Creditor : XXXX XXXX XXXX XXXX XXXX - Another person took out cable service under my name and in a different state. I have completed/signed and sent an affidavit with the creditor. Filed a local police report. The creditor just made there third attempt with another collection agency ERC - XXXX, FL. 

XXXX XXXX XXXX Ignores the law ... .. Simple : take legal action and receive a court judgment if I am accountable.
Hello, I am having a problem wi th Wells Fargo Dealer Services ( my  car loan ). Around  XXXX  of  2016  I became unemployed. Therefore, I was having problems making my payments. I calle d WellsFargo Dealer Servic es and explained to a representative that I was unemployed and needed help making my payments. The representative stated that they could set up a payment arrangement. I was told to make my  XXXX  payment in  XXXX  parts. My monthly payment is {$440.00}. Therefore, we agreed that I would pay {$220.00} in  XXXX  and {$220.00} in  XXXX . I made my payments accordingly. They, however reported me as " late '' to the credit reporting agencies. This is unfair because I was never advised that though they set up a payment arrangement, they would still report me " late '' to the credit agencies. I spoke with a Supervisor at  Wellsfargo Dealer Services and also sent them a letter asking that they correct the problem. They refused to do so.
As in the past I receive credit card applications several times a week from Capital One. I have filed complaints with CFPB case #   XXXX    back in 2014 for the same issue and received a letter from   XXXX   XXXX   from Capital One case #  XXXX  stating I would be removed from their mailing and not receive any credit card application 's. However this is not the case and once again I am being mail credit card application forms. I have called  XXXX  the number provided by   XXXX   XXXX   to stop these mailings otherwise I will pursue another complaint, yet Capital one continues with these applications.
I will not allow Capital One to put me in jeopardy of credit card fraud or identity theft.
I want these credit card and all advertising from Capital One stopped.
In late XX/XX/XXXX/early XX/XX/XXXX I applied for a Kohl 's charge card, I got approved for a {$300.00} dollar credit line. I used it the same day online, and paid it off shortly after. When I paid it off I had noticed that I

actually had never recieved my card in the mail. I called to inquire about the card, and to make the payment. The guy told me that it takes 4-6 weeks for the card to get there, and that it should be in my mail in a few days. 2 weeks later it is still not here. I called to find out and the lady woudl not stop telling me that they can not access my account right now, I had to tell her to stop talking as she was talkign over me repeating the same script time and time again. I told her that I need to close my account, a nd she told me that they were inable to do that. This credit card has been awful! I got dinged on my credit report when I opened it, I have yet to receive it, and now I am goign to get dinged for closing it. I want this credit card wiped from my credit history, as it is clear that even though I have made good faith online buys, and paid my bill in full and on time, this company does not want to do business with me.
Hello, My wife and I purchase a home in XXXX, we both worked and had incoming coming in. In XXXX my wife was injured by a medical professional and had to receive multiple XXXX to correct her medical issues. She can no work and is apply for XXXX at this current date. We were never late on our home mortgage till the medical issues started. XXXX XXXX/XXXX XXXX would not work with us on the mortgage starting to be late for 3 years. Even with medical proof my wife could no longer work. After a long exhausting 3 years we sold the home and started renting and downsizing and payed off our debt. I tried to reason with XXXX XXXX to have the late payments removed from our credit report but they would not help. My wife and I still can not apply for a home loan because of reported late payments. We closed on XX/XX/XXXX. They still counted XXXX as late payment even when we closed in XXXX and payed off the balance of the loan. Is there anything I can do? Or you can do to help me? 
Thank you XXXX XXXX XXXX XXXX
Hi, My name is XXXX XXXX. I graduated from the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Degree in XXXX XXXX XXXX XXXX. 

When I signed up for the school, they told me that I could get a loan through Navient ( XXXX XXXX at the time ) but in order to do that I would need to have a co-signer on my loan. I was also clearly told that 2 years after my graduation date I would have the co-signer off my loan. It 's been 8 years no and I still ca n't get this to happen. 

- I called about 4 years ago and asked them how to get the co-signer released. The agent told me that in order for that to happen, I would need to be making consecutive payments for 1 years and then apply for a " co-signer release ''. 

- I called 1 year after ( and making payments with out fail ) and this agent told me I was mis-informed. That I needed to be making payments of X amount in order to apply for a " co-signer release ''. 

- I did what they asked again, called again a year after and now this agent told me I was mis-informed again about the payment amount, that in order to apply for a " co-signer release '' I 'd need to be making payments of about {$1700.00} a month. I broke down crying and told them they were doing this on purpose, I know they are just doing all they can so I 'm never able to have my co-signer off my loan. Do n't forget, it was suppose to be 2 years after, no one ever told me about these conditions! Not the financial adviser at XXXX XXXX XXXX, not Navient, no one. I would never have signed up for this loan if I know I would keep my mother on the hook for life. This is a true SCAM. 

- I contacted the Mass Attorney General 's office and spoke to a person in Insurance & Financial Services Division. This person contacted Navient on my behalf, and Navient told her that I wo n't be able to apply for a " co-signer release '' because my " debt-to-income ratio '' does not qualify for such. 

- Asked the person at Insurance & Financial Services Division to ask Navient how much money I would need to be making to apply for this " co-signer release ''. She called Navient and Navient told her that they do not disclose this information. That it 's proprietary information. So basically, any time I try to apply they can always say " it 's not enough ''. And in this way, they keep me and my mother slaves of their corporation for LIFE. 


I need to get my co-signer off my loan, it 's enough. 8 Years of this, I ca n't have a good night sleep knowing that even if I die or something happens to me for some reason, my poor mother who makes only enough to survive, will get slammed with my loan on top of my XXXX and will completely cripple her life even further. 


I need to get my co-signer off my loan. IT 'S ENOUGH. 

XXXX XXXX
I set up a settlement agreement with NFCU and they told me upon completion of my settlement arrangement that they would remove it OR report it as a XXXX balance settled for less than the amount owed on my credit report. They removed the trade line from my XXXX report completely but they have simply lessened the amount owed after I paid them and not closed the account and removed it OR reported it as a {$0.00} balance to XXXX or XXXX as promised in my settlement agreement with them. The balance should either be {$0.00} or they should remove it completely to the other credit reporting agencies as well.
New Car was purchased with Fixed Rate at 1.90 % with financed amount of XXXX and a monthly payment amount of XXXX. 

Since origination, payments have not been applied appropriately per correct amortization. I want to understand what is happening. 

First payment XX/XX/XXXX, balance is XXXX. 
Interest should be 22.03 ( XXXX XXXX 1.9 % /12 ) Instead it was applied at 26.80. 
These variances are consistent in payment application. 

Please See Below for most recent example. 

Logically, unless a balance is increasing ( which is not the case ) a fixed rate loan with both Principal and Interest should have gradual decreases to the amount of interest applied per payment over the life of the loan. However, the XX/XX/XXXX payment was applied against a balance of XXXX but 41.11 in interest was charged. 

This loan has never been delinquent.
Equifax continues to report a Chapter XXXX bankruptcy which was filed XXXX/XXXX/2007, which has been 8 years and 7 months since filing. In addition because there was zero secured mortgage, zero secured debt, I requested that the Ch. XXXX Bankruptcy be dismissed. There was no material or substantial reason to stay in the plan. Both XXXX and XXXX have honored the 7 year reporting standard for Ch. XXXX Bankruptcies, while Equifax has continued to allow this information to be reported causing further harm for employment and housing. On Friday, XXXX XXXX, I was denied a mortgage for a VA loan in spite of the fact that I have primarily student loan debt, little to no credit card, department store or personal loan debt. Debt to Income ratios were all at or above industry standards. XXXX Home Mortgage cited the Ch. XXXX Bankruptcy as XXXX of the reasons for the denial. My credit scores were XXXX Equifax , XXXX XXXX, and XXXX XXXX. As XXXX XXXX XXXX XXXX XXXX Veteran, I believe my wife and XXXX daughters deserve a home rather than paying {$1100.00} rent for an apartment. Please advise as your assistance is greatly appreciated.
Wakefield and Associates has been been been doing negative reportings continously, back in XX/XX/XXXX and XX/XX/XXXX they kept on going with the collection calls, Ive asked multiple times ( over 3 times ) to the collection agency that I needed a copy of the statement in oder to take it to my attorney so that i can proof that the debt has been cleared through some legal standing. The collection agency continued with the calls, im still hers in XX/XX/XXXX still waiting on a response. I am sorry but i am not willing to give the collection agency 4 tries in order to just get a copy of my so called debt, they call, i verify, i request my bill, I even take anitiative to confirm my address myself in order to make sure they get it right. I should not have to keep checking up on them, i should have only asked once but they have failed to complete my request but continue to impact my hardworking credit score. I am so far in good standing 's with car payments on time, credit card payments on time but here i am stuck with the with this horrible company.
Previous complaint number XXXX. In response to your answer : ARS, Account Resolution Services is a third party debt collector. We are not a billing agency. We do not have the explanation of benefits from the consumer 's carrier, nor are we required to possess that documentation. The consumer does not need an explanation of benefits to inquired as to the processing of the claims in question. The consumer can contact their carrier, provide the dates of service in question, and the carrier can advise the consumer of the claim status. My response to you is that I contacted my insurance carrier and I was told that in order for them to know what bills I am claiming to be in collection, they need to get an invoice from the medical billing department. Obviously I do n't have a bill because I never got one because I provided my insurance information, so the insurance carrier ca n't check if they paid it or denied the claim, if I do n't send them the bill, this is all you need to get from the hospital. Then they look at the invoice dates the medical provider sent them and they will be able to find in their system the bills in question, what was paid and what was not.
Fortiva is charging me a minimum payment of {$210.00} on a balance of {$1500.00} for my XXXX Credit Card that they manage. Previous statements with balances of that amount did not have minimum payments that were this high. I have no missed payments and just made a payment of {$2500.00} to them to reduce the current balance that posted prior to the statement being generated. I called and was told that the minimum payment is based on the highest balance and NOT the current statement balance.