WillisBack/dataset-financial-user-claim huggingface dataset:
I have sent Portfolio letters regarding this matter, I have ask them to send me a contract with them, that has my signature. They have failed to do so. They claim I owe them {$1100.00} from XXXX  XXXX. I don't believe I owe Portfolio money, They have put this as a collection on my 3 credit reports, With out a contractual agreement between me and Portfolio that would be Illegal to do so.
BMW financial reported on our credit report that payments were not made for a 60 day period for my auto loan during the time I had a lease on a XXXX XXXX. This particular car was in the repair shop for over 8 weeks total over the time of the 3 year lease - the late payment that is being reported on both my wife and my credit report was during the period the dealership that sold me car said they are trying to get this car lemon under the lemon law of the state of Florida. Previously to this situation all payments to bmw financial were always made on time. The dealership told me they were actively trying to get the car fixed or replaced in a timely manner since my situation fits the criteria to have a new car so I held my payments with the anticipation that it was going to be done like the said and it would be quick. They also recommended that if I called XXXX XXXX and let know my concerns maybe they would help move the progress along. I wrote to the CEO directly and called bmw financial and explain my situation. I told them that I am holding my payments per the dealership because that may help them move on get the situation corrected - I trusted the dealership because I had bought XXXX cars from them before and believed that they would get this corrected. however, that did not happen I did not get the car replace but what XXXX did was to give XXXX or XXXX payment back for the time for the time I did not have use of my vehicle but that being said they still marked my credit report for delinquent payment even though we were trying to work out this situation. I have written to the credit bureau to get this resolved but it has not been corrected - the loan has been closed but both my wife and my credit report has been adversely affected for no fault of our own. XXXX acknowledge it was their problem but I am being hurt because no one communicated with bmw financial. Prior to this situation we did not have any late payments to bmw what so ever but now its adversely effecting my ability to gain credit.
I received a letter noting garnishment would begin on my defaulted loan, so I reached out to " Coast Professionals '' and tried to deal with it. For 3 months they kept rejecting mine and my husband 's pay stubs and they never allowed a time extension and began taking money out of my paycheck. They have been abusive via phone and have provided inaccurate information each time I contact them - quite literally the rules of the game change. 

I 'm now stuck having my wages garnished, and my son was paying them {$20.00} a month to get the loan out of default - they updated their " records '' today and decided my husband 's income combined with mine ( XXXX the income previously on record with them as we had been trying to scan his paystubs in but they said they were too dark and offered no other solutions - I mailed them a copy, scanned and emailed, faxed, and texted ) means my son needs to pay {$200.00} a month, XXXX the amount he 's already paying them. They 've provided no material information other than repeatedly mailing a bill to my address on file, even while we 've been working on this rehabilitation program. 

It 's worth noting that we began this process in XXXX 2016 - we did everything they asked of us, scanning, etc. repeatedly, and they told us they would adjust the date for garnishment to begin - XXXX XXXX rolls around and they began garnishing while I was still sending them information - which I had been extremely transparent about. When confronting senior management about this they said " Nothing we can do, get the pay stubs, pay it or the garnishment continues '' Horrific and unprofessional in every way. 

I am shocked and disgusted that my own government would give my federal tax dollars to fund contracts with companies that behave in such a predatory, misleading, and inhumane manner. We are paying them - they should be working WITH us to find a solution, not digging people deeper into a hole.
I have 2 accounts from Navient showing on my XXXX  credit report. I had a loan with Sallie Mae which they sold to Navient. These are personal student loans not federal which is why they are not consolidated with my other student loans. I had filed chapter XXXX bankruptcy in XX/XX/XXXX and discharged in XX/XX/XXXX. These loans were included in the bankruptcy but still show on my credit report. The Sallie Mae loans are gone but the Navient loan still show and it's hurting me getting a mortgage.
I have fallen behind on my Mortgage twice in the past year, I was allowed to catch it up with Bi-weekly payments earlier this year. I fell behind again and attempted to do it again and have been refused to submit bi-weekly partial payments this time. I asked for a deferment and was told they do it, but do n't like to. I asked about it again today and they by-passed the question and told me, I had no option other that a full payment.. this was told to me by XXXX a supervisor with 21st Mortgage. at XXXX XXXX XXXX/XXXX/15
Customer XXXX XXXX via Web XXXX/XXXX/XXXX XXXX XXXX I refinanced my home in XXXX XXXX, with my first mortgage payment due XXXX XXXX, XXXX. In XXXX I received notice that my mortgage was transferred to XXXX XXXX XXXX XXXX and would be serviced by LoanCare, XXXX. I tried to make an account, but could n't, and as it was nearing the time I would need to make my first payment, I called to find out what was going on. The lady told me that since the effective transfer date was XXXX XXXX, the info was n't in their system yet and that they would mail me all of the info when it was in their system. I asked how what to do about my first payment, and she said that I could pay it once they had things set up, that there were no penalties of any sort for being late after being transferred, so not to worry. I waited and waited for the info packet to arrive, and finally on XXXX XXXX I gave up and called again. It turned out they had just put it in their system ( and I finally received the info in the mail a couple of days later ) so the lady was able to help me get my account set up. I immediately went ahead and paid my XXXX and XXXX payments. I noticed there was a " one-time payment fee '' of {$10.00} automatically added and thought that was steep, but it would n't let me set up auto-draft yet as I was " behind '' so I just paid it. The next time I went to make a payment, I was deciding between a one-time payment and auto-draft and noticed that there was no fee this time. When I looked at everything closer, that is when I discovered that the " one-time payment fee '' of {$10.00} was only for when you were paying XXXX15 days late. So even though I called well before my payment was due and was assured there would be no penalty ( as there was really no way for me to pay yet ), and I paid BEFORE they even sent me the info to allow me to set up my account ( as I had gotten impatient and called again ) THEY STILL CHARGED ME A LATE FEE. I emailed them about the matter and received no response. I forgot about the situation until recently receiving a notice that my loan is again being transferred. I once again emailed them about the situation, and once again received no response.
Experian is reporting a {$410.00} unpaid debt to XXXX XXXX. I contacted them, who said it is a XXXX account and that XXXX is in charge of the account. I contacted them and was informed it was in collections. I contacted the Collection Agency who said there was no record of this account and to contact Experian. This a fraud account from XX/XX/XXXXfor XXXX service at a Michigan address. I have been XXXX XXXX military since XX/XX/XXXX, and in XX/XX/XXXX I was stationed in California, so there is no way this account was mine. In XX/XX/XXXX I became aware of this and filed disputes with all 3 credit bureaus. XXXX and XXXX removed it from my credit report in XX/XX/XXXX, but Experian is still reporting it. I need this removed from my credit report.
I have been contacting transunion and XXXX to please put an account on my credit report. The account is XXXX where I am an authorized user on this account. I also contacted XXXX as well to ask them to please report this account to the credit reporting agency 's. XXXX is currently reporting the account. This will help my credit score as I am having difficulty with the credit reporting agency 's in disputing wrong information on my reports for other items.
Because of a security breach, I have a credit report monitoring program. I was notified recently of a new item on my report. It was a collection notice lodged by Commonwealth Financial Systems , Inc. located in XXXX XXXX, Pennsylvania. I contacted Commonwealth and was advised that a woman using my name, my date of birth and my social security number had incurred charges in the amount of {$530.00} at the emergency room ( XXXX XXXX XXXX ) at XXXX XXXX in XXXX on XX/XX/XXXX, for her minor child XXXX XXXX. Based upon that information, and believing I was a victim of identity fraud, I filed an incident report with XXXX XXXX Police on XX/XX/XXXX. It is incident report number : XXXX. I also filed an identity theft report with the FTC- # XXXX. 
I was able to contact a XXXX. XXXX XXXX, in the financial office at XXXX XXXX. ( Her contact is : XXXX. ) She was able to locate the account in question. She advised that the person who had incurred the charges was an XXXX XXXX XXXX and that no date of birth, nor social security number had been provided. XXXX XXXX also had an address on XXXX XXXX in XXXX XXXX. Finally, XXXX XXXX indicated that she has seen this happen many times. A collection agency will find someone in the geographic vicinity with the same or similar name and implement collections against them. Needless to say, I was not the victim of identity fraud committed by this woman, but was the subject of unscrupulous practices by this collection agency. Commonwealth did  not take any effort at all to confirm the identity of the debtor, they just placed the derogatory information on my credit report. While this may be no big deal, if they are doing this regularly, they should be stopped.
I provided XXXX XXXX with my medical insurance they have it on file there due to the fact that that 's the hospital I go to for medical care so I do n't understand how I owe anything if each time I stayed in the hospital they collected my information
I received a letter stating I owed money to a debt collector, and I know I never applied for the loan they say I owe. I have asked them to send me the information in regards to where it was sent, and they said they would, but I have never received any information. I now receive numerous phone calls stating that if I can get the information on a previous identity theft, they will reduce the cost. They are not willing to send me any information on where this money was sent.
Our mortgage was sold to Seterus Inc . Shortly before we filed Chapter XXXX Bankruptcy. From the time it was sold, we have had a very difficult time getting any information regarding our loan. Immediately upon filing Chapter XXXX XX/XX/XXXX, our XXXX sent over authorization ( as requested by Seterus Inc. ) so they could speak to us regarding our account. It has been over 4 years and our Lawyer 's office has sent the required paperwork for them to discuss our account and send us the necessary documents so that we can continue making payments on our account numerous times. It has been sent to the addresses and fax numbers requested, yet every time it never " shows up in their system ''. We are expected to send payments with little to no information of our account status or amount actually due! On XX/XX/XXXX another letter was sent to the number provided by the Bankruptcy department, and they claim it still was not received. We faxed the letter to them directly today, and now are being advised that they have no way to verify they received the fax. They also claim to have no one to call to check to see if the faxes have been received after having to deal with this for several years. It is extremely difficult to maintain an account in which we have little to no access, except being told to send a payment! The fax numbers we have sent the letters to are XXXX, and XXXX. Both have been verified as correct fax numbers, yet paperwork is never received and there is no one we can contact to verify a fax comes through.
Pinnacle Recovery, a collection agency called my place of business and left a detailed message regarding my debt. When I returned the call and complained that it was a violation of federal law to call one 's place of business, the gentleman denied it. I then asked for their business ' address so I could submit a complaint about them and he refused to give me the business ' address. He then said he would only provide the address if I paid the debt. I refused to pay the debt and that is where we currently stand.
CRS ASSOC, repeated calls daily about " failed Bankingtransaction '', threats of legal action daily, nothing is owed to anybody
As of today, XXXX  lowered my score by 38 points. All the while, my balance continues to lower. I recently lowered my balance for two accounts by {$150.00} each an overall decrease of {$300.00}. In addition, this is the second time I have complained regarding this very same practice. They are constantly lowering my score despite my building excellent credit. In addition, I only have three open accounts, yet XXXX has me with four accounts. This has got to stop. This should not even be permissable. I would like to know what next steps I can take besides contacting you regarding this issue. I want it to stop permanently. I do not want to keep taking hours out of my day to defend erroneous actions against my ability as an XXXX to obtain goods and services at a fair rate.
Synchrony Bank ( PayPal Credit ) did not post payment, then charged me a late fee of {$25.00}, so I 'm missing a total of {$50.00}. I closed the account and paid what I thought I owed. Calling the company, all I got was an automated response unit ( XXXX ),. It said to send proof of payment to XXXX FL, which I did, nothing, no response, now they tell me I owe them {$25.00} or will incur another late fee. What happened was I used my bank ( XXXX ) Bill Pay service with the account # type on the e-check. Someone then wrote their own account # on the bottom of the check. I have a copy.
I was contacted by mail and received XXXX of the same letters on the same day. 
This is regarding some type of collection matter with XXXX XXXX and I had never had an account with them. 
This notice is deceptive in the sense that it has the letterhead of the law firm Eltman Law P.C., however it continues state " no attorney in the firm has personally reviewed the particular circumstances of your account ''. I believe this law firm in in violation of several state and federal laws. Particularly the FDCPA, OCSPA, FCRA and possibly the TCPA should any fraudulent calls to my telephone be made since I listed it with this complaint. I have not received any documents bearing my signature and believe this is fraud. I would like to also put them on notice that I do not wish to be contacted except by mail. The letter also states that the firm has been retained, however no due diligence has been made by XXXX XXXX to determine the validity of the false demand for the collection of the so called debt.
XXXX loan {$2100.00} opened XX/XX/XXXX Dispute dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account still being validated even after confirming with original creditor ( XXXX XXXX XXXX and XXXX ) that no record of this account exists under my SSN. Tried to tell Equifax that balance may belong to my brother and account was misplaced because of name similarities. Account still affecting my approval odds with future creditors. When asked for a supervisor from both equifax and XXXX, was placed on hold. No one ever returned to line.
On the Trans Union credit report- XXXX XXXX XXXX has the " Rating Key '' listed as OK for as long as we were with them XX/XX/XXXX to XX/XX/XXXX. We closed this account XXXX/XXXX/XXXX. However, there is a statement " XXXX ; maximum delinquency of 120 days in XX/XX/XXXX ''. This statement is causing our insurance company to give is a less than favorable rate. 

The account was originally opened XX/XX/XXXX as XXXX XXXX XXXX. In XX/XX/XXXX they became XXXX XXXX XXXX. Since we closed our account XXXX XXXX XXXX is no longer in business. However as of XX/XX/XXXX active accounts are currently with XXXX XXXX XXXX at the same address as the obsolete XXXX XXXX XXXX, and using the same phone numbers. 

Because of all the sellouts/mergers, and the fact that ours is a closed account ; every time we file a dispute thru Trans Union, the request for XXXX XXXX XXXX verification is going to XXXX XXXX at the same address ; which has no record on our account. I have contacted XXXX XXXX as requested by Trans Union. XXXX XXXX has tried to help, but with no information they can not clear our Credit Report. only thing they can verify is that XXXX XXXX XXXX is no longer in business. 

Frustration and confusion- how can in 9 days of XX/XX/XXXX we acquire a 120 day delinquency as shown on our credit report for XXXX XXXX XXXX? How can I clear this discrepancy? Trans Union ( always a foreign speaking individual ) can only file a dispute - this puts us back into a loop!!!!
On XX/XX/XXXX I submitted a case ( XXXX ) concerning fraudulent information on my credit file with Experian. Experian responded and was very helpful in helping me fix and permanently correct these numerous issues. On Saturday morning, XX/XX/XXXX I noticed that one of the accounts had resurfaced and is reporting again on my credit file. I tried to all the fraud department but they were unfortunately closed. So, I figured since Experian was so helpful via this venue in the past, it would make more sense to go back through the CFPB portal. To date, everything appears to finally be accurate with the exception of the following account : XXXX XXXX - Acct : XXXX, Date opened : XX/XX/XXXX, Balance : {$7000.00} I am attaching the response letter I received form Experian confirming that this along with several other accounts were in fact deleted to better help expedite this process. I am also attaching my previous drivers license as well as my now new " temporary '' license that reflects my new and current address. I am attaching both to help confirm my identity especially since it takes up to two weeks to receive the " hard '' version of this state 's drivers license. 
Thank you for your help with this matter. 

Regards, XXXX XXXX XXXX
Citibank had a promotion for getting XXXX XXXX mileage. 
Copy of promotion will be attached. 
I opened the account on XXXX XXXX 2015. 
I was supposed to make $ XXXX Debit card purchase within 60 days but Bank did not send me card until XXXX XXXX. i asked my banker about it and he said they will give an extension. 
I completed debit purchase by XXXX XXXX and fulfilled other requirements but because of the delay in debit card purchase caused by bank delay I am being punished and I am not getting my XXXX miles.
I was called twice by XXXX twice on Tuesday, XX/XX/XXXX, 2017. I was called by a man who threatened to sue me. He stated that he was on his way to my house location to handle my situation. He also knew the type of car I drove and said he has a tracker on me and will find me and before he hung up he said " Good luck. '' I know for a fact that is not proper collection policies and definitely violates the telecommunications act. I did some researching and the name of the company is United Debt Holdings. I immediately called their XXXX number to set up payment arrangements to avoid getting sued, but once I did that I realized they tricked me with illegal talk like suing and arresting me. The XXXX number is XXXX and I spoke with a guy name XXXX He took my debit card and set up payment arrangements for a XXXX XXXX XXXX XXXX. Please understand that his definitely violated the collection policy. This is not fair how they are threatening others for a small debt like a phone.
I am filing a complaint about Portfolio Recovery Associates They have not provided me with documentations show and proving they are in Fact the owner of a account they have listed on my credit report and with negative or derogatory status. Portfolio Recovery Associates is illegally attempting to extort money from me by causing financial harm to my name and legal person. Extortion is a federal crime. Portfolio needs to provide the proper paperwork, not a copy of a old bill and statement. I need to see some type of contract agreement between their company and myself with legal and binding signature of contract to include XXXX XXXX # XXXX, # XXXX
In XX/XX/2013, I purchased a sofa and chair from your XXXX XXXX, IL location financed through XXXX XXXX. This letter is to bring to your kind notice the inferior quality of the furniture supplied by your reputed showroom to my apartment. 
Unfortunately, the furniture I purchased was of such poor quality I eventually had to discard. The mentioned pieces of furniture started losing their shine and quality in no time. Further, the sofa collapsed a month after purchasing. I contacted the store not long after and the manager said he would settle the account and take off an additional 40 % on what was owed as he could not take the furniture back. I believe at the time it was a little over {$300.00}. However, when pulling my credit report I noticed that this account was listed as me owing over {$900.00}. I am very distressed that the information below was included in my credit profile due to its damaging effects on my good credit standing. I am asking that you please investigate this matter as soon as possible.To my knowledge this account had been paid off many years ago. 
Conditions of Furniture : -The furniture appeared to have been lived in. I found food, headbands, and other personal items in the inside. -Not in the condition guaranteed by the store -Furniture badly damaged when transported from showroom to apartment. 

I was extremely disappointed in the furniture I purchased and now this outstanding debt. I believe XXXX XXXX is selling pre-owned furniture. there is no way the pieces I bought were only in their showroom and this badly damaged.
I have already filed a complaint with the company through here once already. They have one employee that continues to harass me and threaten me. The company has already responded to the original complaint through here and the employee continued to harass me. So I reached out to the supervisor and they advised me that the employee would be removed from my account. Im not even 30 days late on my payment and the same employee that the company advised me would not be allowed to touch my account put my car on the repo list and advised me to surrender now. He is very unprofessional in the way he conducts business and the way he continues to go against company orders and harass me.
I was involved in an automobile accident where XXXX. I contacted my insurance agent to find out what my options were as far as repairs were concerned. They told me that my comprehensive coverage would pay for the repairs and my out of pocket expense would only be {$50.00}. When I picked up the vehicle for the repair shop, I was told that it was covered under my collision coverage and not my comprehensive. Therefore, I had to pay {$250.00} out of pocket instead of the {$50.00} my insurance agent told me. 
I contacted the claims office and they notified me that under my policy, this was correct. If I had hit a deer, dog, or other animial, it would have been {$50.00} but because I hit XXXX at no fault of my own, I had to pay out {$250.00}. I was lied to and misled by XXXX and the people I pay each month to know my insurance policies inside and out.