WillisBack/dataset-financial-user-claim huggingface dataset:
This is a complaint from XXXX XXXX against Portfolio Asset Group for Portfolio Asset Group 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX XXXX, received a demand letter from creditor, Portfolio Asset Group. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over a month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
XX/XX/15 I use XXXX  XXXX to purchase a couch. The couch was paid off yet I see on my report that the account was part of a bankruptcy. Ive never filed for bankruptcy in my life. Please have this removed from my account. Thank you
Both Transunion and XXXX removed a past debt that was XXXX in XXXX. Then the debt was placed back on my report without notification stating the account was verified. The XXXX copy has been sent to both parties showing that the debt is void and the continue to leave it on my report. The debt continues to be reported as {$24000.00} owed by both agencies while the 3rd agency has removed it since early XX/XX/XXXX
On experian report a company called  XXXX   XXXX   XXXX  put something on my report in error. I have resolved issue with   XXXX   XXXX   XXXX   they sent me letter saying they would have it removed. i also sent letter and dispute to experian and the results per Report Number :  XXXX  on  XXXX / XXXX / 2017  was that the information remains. This information should not be reporting and i did submit the documentation from   XXXX   XXXX
" CREDCO '' XXXX XXXX XXXX. via CREDCO has been inquiring for many years now & continuiously puts HARD inquiries on my reports. 
Some have dropped off XXXX they continue. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I don't know how or when they received permission to continue to make these Hard Inquiries. 
I wish to STOP them from further Inquiries. What must I do to stop this from further happening?
Santander Consumer USA has reported on my credit report that I have XXXX late/missed payments on my 72 months loan term. I have made XXXX payments on time and requested deferment of XXXX payments when I was injured at work. The deferment was approved and fees were charged for this request. The company has reported my payments as being past due since that request. Car was recently stolen and insurance made large payoff for loan and the payment was misapplied several times causing the balance to go down and then back up and no one can explain what happened. After XXXX payments at {$480.00} per month on a {$16000.00} loan - somehow I still owe {$11000.00}.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the XXXX XXXX XXXX and shall be used as evidence in pending litigation  provided you fail to comply with this offer of settlement. I demand the following accounts be verified with the original contract with my signature or removed immediately. Its been more than 90 days that I sent in certified documents over to Transunion and you havent removed the remaining errors. You removed majority of the inaccurate accounts and inquiries listed in the attachment area that you havent removed XXXX. XXXX XXXX, XXXX. XXXX & XXXX XXXX, XXXX. XXXX. I am unaware of this account and its an error but you continue to report inaccurate information. I warned you not to long ago that if you dont remove this account that I will forced to take legal actions against XXXX and you still insisted on delaying the process but you have violated THE FCRA sections 609, 611, 612, 604, and more. I am in distress and my only option is to take this to court. It has been well over 120 days and i havent received any
CMRE IS IN VIOLATION OF SOL, FCRA, FDCPA AND TCPA.
Approved for a mattress on XX/XX/18 and wanted the 90 day payoff. Called in on XX/XX/XXXX to change the payment amount for it to end on XX/XX/18. Noticed that XXXX was taking out the incorrect amount on what was supposed the final payment. Called in and spoke with XXXX XXXX senior agent who acknowledged that it was their fault that their system didnt change the payment amount and that we had to go full term which was an extra {$600.00}! XXXX, XXXX, and XXXX blamed US for not catching their error. How are you blaming the customer for an admitted error on YOUR PART. Requested {$90.00} be taken out biweekly but they were only taking out half of that amount.
Several of my bank accounts were Frauded and invaded several times Bank of america XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX Under my social security # XXXX the very last incident Was from XXXX XXXX XXXX XXXX Nj XXXX XXXX home owner and XXXX XXXX and XXXX son Computer programmers hackers and Scammers XXXX is a script kiddy And ring leader XXXX XXXX XXXX XXXX XXXX XXXX XXXX have switched my account from bank of america to XXXX i am a XXXX resident Of georgia and they reside in nj also hacked my atm card and transactions Along with cancelling my health insurance contact me by mail only XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX For 7hrs of continuing details in progresd.
I entered into a law suit with XXXX XXXX XXXX in XXXX and it was finally settled in XXXX XXXX. During that time the XXXX Court in Georgia ruld that I would make all my monthly payments to the court clerk 's office and not to XXXX. I made XXXX on-time payments and they still appear as late on my credit report.The agreement states they had to rescind the foreclosure and it still appears as a foreclose. For the past 6 weeks I have been trying to get XXXX to resolve it and I keep getting the run around I have documented that the payments were on time.If they had not been made the case could have been thrown out, I just want it reported accurately. They had 7 months to update the credit accurately and they have not updated anything. The court ruled they would receive my payments at settlement and they received the payments XX/XX/XXXX. XXXX now need to report it accurately as well as remove the foreclose. Every time I call I get a different story they told me the agreement does n't state they have to do credit repair but should n't they have to be accurate for a change? They are still looking into it! I was told I would get a call back yesterday, I did not when I called they said the person was out unexpectedly. It is always some reason. I just called again and got nowhere! 

I have attached the emails between the attorneys discussing this issue before the agreement was approved by the court and a few of my my payment receipts from the court. We signed the agreement XX/XX/XXXX, they got there money the same day and then it took 5 months to complete there side of the agreement. XXXX is an awful company!!
Wakefield & Associates took more than 5 days to send a " verification of debt '' letter from first contact. I had to call back 2 times after the initial call to gain a letter. I disputed the debt immediately when I requested the validation of debt letter. More than 3 weeks later, I received their verification letter. I responded in writing via certified mail within 30 days requesting further information, and also in written request that further communication be done in writing. W & A has continued to call on my cell phone, neglecting my request to further our communications in writing. It has been more than 30 days since they have received my letter, and they have not provided any further information. I would like this matter resolved as they continue to call me demanding the debt and have not validated that I own the debt.
Submitted to trans union on line and in writing on more than one occasion that my credit was pulled in error on XXXX/XXXX/XXXX by various automobile financing companies. I provided them with information that would help resolve the matter. XXXX XXXX, general manage at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AL XXXX, XXXX spoke with each of the bureaus when this began last year. Each told him I would have to dispute with them. I did, I was told on each occasion that I would need to contact the companies directly. If trans union had contacted XXXX XXXX, he would have verified this was indeed done in error and they could have removed the items. They failed to do this. I checked failed to get proper notice since none of the options were exactly what happened. They failed to investigate at all.
I received a letter from a collection agency attempting to collect a debt on behalf of XXXX Bank in the amount of {$640.00}. I am disputing the collection attempt as the agency is not license in the state of Florida. Also per the XXXX XXXX XXXX XXXX XXXX XXXX search the company 's license status indicates 'Denied Tech ' ( See Attached )
I received a letter over the XXXX holidays for an amount I owed my medical provider in XXXX. The total amount seems suspicious and very low ( totals to less than {$100.00} ). But this debt collection company USCB America has added on {$2200.00} as additional and {$550.00} as interest! 

To my knowledge Ive paid all the bills correctly with my medical provider. 

In addition, they claim to begin collection activities within 10 days of receipt of the mail. Unfortunately that means that due to the holidays, it leaves me very little time to respond and investigate. 

Plus, adding XXXX dollars to a XXXX dollar debt seems ridiculous. Please help!
BMO Harris promised a {$200.00} new checking account bonus in exchange for a few requirements. They were all fulfilled, including receiving direct deposits from my employer 's brokerage account. The deposits required, at the time, were of {$300.00}, the ones I received were above {$500.00}. Nevertheless, I have received no bonus, yet.
Payalience has continued to try to charge me for a debt that was already taken care of in my XXXX report its closed and a different Collection agency is listed so makes me believe that XXXX disclose my information to XXXX different collection agency 's which its illegal the XXXX XXXX is XXXX and second payliance
I applied for a small mortgage through Iberia Bank ( on XXXX XXXX in XXXX XXXX ) in early XXXX. I sold my current condo in order to pay off all of my debts ( $ XXXX ) and lower my monthly expenses. The condo I found was $ XXXX and I had $ XXXX cash to put down ( 50 % ). My credit score was very low so XXXX XXXX at Iberia Bank said that he could work with me to qualify for a loan because my debts would be paid ( see e-mail attachment # 2 ). He was hard to reach, did n't return calls, and the process dragged out for a month. My brother was willing to either co-sign or take on the mortgage himself as he owns a small construction company, several houses, and has a credit score of XXXX. So XXXX talked to him and asked him to submit all of his information ( XXXX pages in all ). 
He faxed it to Iberia on XXXX XXXX at XXXX. The next morning about XXXX I got an e-mail from XXXX . No greeting, no closing, just one sentence, basically " you do n't qualify and neither does your brother ''. ( See attachment e-mail # 1 ) No explanation, no signed form, no phone call. I 've attached XXXX e-mails showing this unprofessional ( and illegal in terms of nothing in writing? ) behavior.
Portfolio Recovery has listed two negative accounts on my credit reports with monthly terms for accounts I have never owned. Portfolio Recovery has never sent me a dunning notice regarding these accounts and I have never entered into an agreement ( monthly or otherwise ) with them. 

Both accounts list XXXX XXXX XXXX XXXX  as the original creditor and I have never had accounts with that company either. Portfolio Recovery has also described themselves as a Factoring Company which they are not.
XX/XX/XXXX-XX/XX/XXXX {$60000.00} Tried repayment plans, takes 25 % of my monthly income making it impossible to support my family.
I applied for a 36 month installment loan from XXXX XXXX on XX/XX/XXXX. After submitting the data requested I was approved for a loan up to {$12000.00}. I requested {$7000.00} and supplied the documents requested for proof of income. Two days later I received an email stating I should call because they had a few more questions. I made the call, spoke to them over the phone and was informed that everything was good and the loan was approved. I completed the final paperwork including the Truth in Lending Statement agreeing to pay them {$230.00} per month for 36 months with a APR of 12.99 %. They said I would get an email confirmation in 24-48 hours and the money would be deposited in 2-4 business days. That didnt happen so I called back and they said I had been misinformed by their representative and they would need more information. I asked them why was that necessary when I already signed a promissory agreement to pay the amount borrowed and that as I understood it being a mutually verified contract. They refused to honor the agreement when I called on XX/XX/XXXX at XXXX  EST. I want them to honor the contract I signed with them. If there was a mistake it was on their end and does not forgo their legal obligation to abide by the contract presented by them.
I can not uploaded the items needed to correspond with my complaint XXXX. 
Wells Fargo has not provided email or fax number to send attachments either. 
As stated in XXXX XXXX correspondence, XXXX fees are my responsibility. Which you are correct, however I had a XXXX balance and a XXXX illegal lien on the property in XXXX right after my bankruptcy XXXX another XXXX lien placed with no money due except excessive legal fees, in XXXX and XXXX the management company placed XXXX other liens XXXX for XXXX and XXXX for XXXX and I knew nothing about these, they also had a judgement that I was paying. All of these liens were on title, if the title company did there job properly I would have found out about them and not incurred XXXX in legal fees and XXXX in maint fees since XXXX XXXX could have been sued for falsifying data and not providing to me. Attached is the PROPER FULL TITLE and suit. 
this is not a matter of the township or XXXX not providing or updating its a matter of the title company not providing this information to myself or Wells Fargo since im now paying this at XXXX per month and cant make my mortgage payments. 
My account was not handled properly as you can see from the proof I am providing you. 
And to top this off I went to make a mortgage payment and I am locked out of my account so your forcing me to go past the 90 days down if I can not make a payment by XXXX XXXX.
As a service member in the United States  XXXX  when this lease was effective, I was protected under the Service Member Civil Relief Act with the right to terminate a residential lease, if there is a permanent change of duty station for no less than 90 days.  <P/> T ermination of residential or motor vehicle leasesSec. 305 ( 50 U.S.C. app. 535 )   Military persons who live in rental property are allowed to terminate leases entered into prior to a period of   XXXX   XXXX  . It applies to : ( 1 ) property leased for a dwelling or for professional, business, or farm u se, or other similar purpose, where the person leasing the property later enters  XXXX   XXXX  in military service, or where the service member executes the lease while in military service and thereafter receives military orders for a   permanent change of duty station ( PCS ) or to  XXXX  with a military unit for a period of at least 90 days.
The service member may terminate a property lease by delivering by hand, private business carrier, or mailing return receipt requested, a written notice and a copy of his or her military orders to the lessor or its agent.
<P/>  In     XXXX   2013, I did my due diligence and provided a WRITTEN NOTICE to the landlord in informing them that we were vacating the premises in 30 days due to military orders. The landlord ACCEPTED the written notice and made note that we were vacating the premises.
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To this date, there is a collections account on my credit report for {$3800.00} and this has dramatically impacted my credit score and report to the point where it is difficult for me to obtain credit and rent elsewhere!
I have attempted numerous times for the past 3.5 years to dispute this collections account. It is VERY SAD how this company and its representatives treat service   members!
disputed a debt with XXXX of which I sent a letter to them asking for simple details like dates of services rendered and merchandise purchased and did not receive anything. Did get letters from XXXX different companies trying to collect same debt. Sent same letter to each company and did not receive any information. So disputed debt with Experian and all I got was " Remains '' No explanation of why. Debt does not appear on either of the other XXXX credit agencies.
I receive numerous calls on my work line for debt for a XXXX XXXX. I have indicated I have had this phone number for almost 9 years and nobody by that name lives here, but I still get calls. The most recent is from High Point Asset and they are calling two to four times a day now. 

As stated, I use this line for work, and it is very disruptive.
XX/XX/XXXX Re : Ocwen Loan Servicing, LLC Loan Number : XXXX To whom it may concern, I would like to file a complain regarding Ocwen Loan Servicing Escrow department. On XX/XX/XXXX I receive an Annual Escrow Account Disclosure Statement, upon reviewing the statement it indicated that according to their projection for the coming year, the expected escrow balance is {$1000.00}, making the escrow balance deficiency {$0.00} and based on the expected balance deficiency of {$0.00} and the minimum required balance/Cushing of {$640.00}, an additional {$250.00} is needed for the escrow balance. 

A coupon was sent in the package for me to send the additional {$250.00}, therefore on XX/XX/XXXX I mailed the additional money via priority postage with a tracking number which was sent to Ocwen Loan Servicing Dallas Texas office location. 

On XX/XX/XXXX I notice that the check was not process as yet and I decided to track the letter I sent with the check and it stated that the letter arrived on XX/XX/XXXX. However, I called Ocwen Loan Servicing to inquire about the additional funds that is needed for my escrow account ; I spoke with XXXX at Ex XXXX and was told upon further research he did not see where the funds were process to the escrow account but should give him 24 to 48 hours get to the bottom of whats going on. I did not hear back from XXXX in time so, I called him and left him a message regarding my escrow account. 

I decided to call back Ocwen once again and was transfer over to XXXX at Ex XXXX after explain to her what is going on, she did some checking and did not see any new updates no my account and ask me to give her chance to get to find out what is going on and why the payment has not process as yet and to further give her until XX/XX/XXXX to get back to me. 

I have not heard back from Ocwen regarding this very important matter and it make me nervous about the situation and have me wondering if some nefarious afoot, I am sorry but I cant help myself for thinking that way about the entire situation. 

Hence, as of XX/XX/XXXX I have check my bank and the funds is still in my checking account and has not been process by Ocwen Loan Surviving as yet. So, I decide to file this complaint against Ocwen. 

Thank you for your attention toward this very important matter and I truly appreciate your help. 



Sincerely, XXXX XXXX PS : Attachment 1 tracking # XXXX USPS Attachment 2 Ocwen documents.
I received a call from XXXX XXXX at USI stating that I owed a debt from the 1990 's. He stated it was a credit card from XXXX. The debt was originally with an attorney named XXXX XXXX. The debt was paid in full approx 15 years ago. I told XXXX the debt had been satisfied. He claimed there was still a balance and that I had stopped making payments so now they had the debt. Again, I told him the debt had been satisfied in full hence no payments for 15 years. I told him to get the records from the attorney that settled the debt and he told me the attorney had died, although, I found him online, still practicing, alive and well. He just kept asking me over and over again if I was going to pay the debt. Since then, I have scoured my credit reports, called XXXX and verified, I have no debt with XXXX.
XXXX XXXX XXXX open XX/XX/XXXX Amount XXXX account paid in full XX/XX/XXXX For the amount of XXXX
I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 30 days past due XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
On  XX/XX/XXXX  a medical service was provided at   XXXX   XXXX   XXXX   which entailed a {$100.00} copay.
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 XX/XX/XXXX  After receipt of the bill for this charge, I requested a financial aid application packet sent to me. This was completed by me and returned within the 30 day time frame allowed by the provider. They would reply tome in about 30 days after receipt of the packet.
<P/> XX/XX/XXXX  I was unsuccessful in my attempted to contact the provider by phone.
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On  XX/XX/XXXX  placed in collections by   XXXX   XXXX   XXXX   and not noticed by me until  XX/XX/XXXX .
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On  XX/XX/XXXX  at   XXXX   XXXX   I spoke with  XXXX  at  XXXX  who indicated since the blll had not been paid in full after three statements, the bill was sent to collections. A request as to the status of my financial aid packet indicated the paperwork was not processed at that time. Another packet was sent to me to complete. She would pull the bill from collections until receipt of the new and current data was received. This included the   XXXX   XXXX    income just received that may have impacted the income level requirements.
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On XX/XX/XXXX  another call t o   XXXX   re vealed bo th  XXXX  a nd  XXXX  were both working on " this ''.
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On  XX/XX/XXXX  The medical bill was closed for collection as paid in full. I would presume that was as a result of the recent phone call initiated by me. I was approved for the financial aid and the {$100.00} bill was written off. Please note I was timely in my request for assistance in this matter and did everything I could to handle this matter timely.
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On  XX/XX/XXXX  I received a free TransUnion credit report. Upon my review and much to my surprise is XX/XX/XXXX placed for collection from  XX/XX/XXXX  for {$89.00}.
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I understood that  XX/XX/XXXX  had pulled this medical bill until the financial aid packet I completed timely and returned had gone through their internal review process. I had no idea of the errors made by them which included losing my original mailed financial aid packet and pulling the promised report when requested.