WillisBack/dataset-financial-user-claim huggingface dataset:
I have received a letter of " Notice Of Court Proceeding To Collect Debt '' from someone representing themselves as Asset Acceptance, LLC   XXXX   XXXX   XXXX    XXXX , MI  XXXX  and no phone number. The address search results in Midland Credit Management Inc. and lists   XXXX   XXXX   XXXX   as a lawyer with the phone number   XXXX  . The letter states that I have fifteen days to do one of three things, otherwise failure to do so will result in garnishment of my wages. 1 ) Pay to us the amount due 2 ) Complete section of form entitled " Payment to Avoid Garnishment '' and 3 ) Contact my local municipal or county court or if I 'm not an Ohio resident then contact a municipal or county court where my employer is located to set up a trustee to receive garnishment. The letter additionally adds that I have the right to contact a budget and debt relief counselor but there may not be enough time to avoid garnishment. I did have a court judgment from Asset Acceptance in  XX/XX/XXXX  and I fully paid off the debt in  XXXX . In fact, my records show that I overpaid them. There were a couple scam things they did and I was foolish enough at the time to believe them which created the overpayment. I have heard nothing from Asset Acceptance for years. They were calling and harassing me for payment for a long time after the account was paid off. They sent statements that had incorrect amounts. One statement dat ed  XX/XX/XXXX  shows a n incorrect balance of {$1200.00} and another statement date d  XX/XX/XXXX  shows n   incorrect balance of {$7100.00}. I have another statement dated XX/XX/XXXX that states my account was transferred to a law firm   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . These were all for the same account number. On XX/XX/XXXX  I received a call from   XXXX   XXXX   (   XXXX      XXXX   ) stating that he wanted to reduce my payments and insisted that he would cancel the current withdrawal from my bank and begin the lesser payment amount. This was untrue as both payments were attempted to be withdrawn from my bank account. Finally during one call from them I spoke to a supervisor and explained the account was not only paid off, it was overpaid and they owed me money. I also told him it was illegal for them to call and harass me about such an old debt. I have all bank statements that show the payments and after looking through them again I realized that they continued to charge interest after the court ordered them not to. What can I do to put an end to this harassment? This has created an amazing amount of anxiety for both my wife and myself. If they contact my employer for garnishment, I will be terminated. My employer has strict rules about garnishment as I work at a   XXXX   XXXX   XXXX   location.
The debt amount they show on the letter is {$540.00}.
I have written to Portfolio Recovery SEVERAL times asking for VALIDATION of my debt and to get the original paperwork/contract. They continue to send letters that say that they have resolved my dispute. I did get a letter in XX/XX/2018 that says the account is closed, HOWEVER I feel that this account should be REMOVED from my credit file.
I have previously disputed with the credit bureaus to delete inaccurate information that is reflected on my credit reports. To date, to no avail. The following information should be deleted from my credit reports : Experian : Delete Also Known As : XXXX XXXX Delete Addresses : XXXX XXXX XXXX, XXXX XXXX, TX XXXX & XXXX XXXX XXXX. XXXX . XXXX, XXXX, TX XXXX XXXX  : Delete : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX, TX XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX  : Delete : XXXX XXXX  XXXX  XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX. # XXXX, XXXX XXXX, TX XXXX
Do n't know much on that the number and person on the line was very rude and threated to tell my employer and said I will go to jail over a payday loan. Did n't give me any information what company it was from but I looked up their company name and its call Monarch Recovery
I signed a lease with BMW Financial Services for a new XXXX and elected to take delivery in XXXX at the factory under their XXXX Delivery Program on XXXX XXXX, XXXX. When I signed the lease forms on XXXX XXXX, XXXX I was asked to make the initial `` drive off '' payment ... however there was no car. We picked up the car in XXXX on XXXX XXXX as planned, drove the car for 10 days and it is now in transit back to the U.S. for delivery approx. XXXX XXXX, XXXX. Payments have been due on the XXXX of each month since XXXX XXXX. The payment on XXXX XXXX was credited by BMW, however, the payment due XXXX XXXX I am told I must sill pay even though I will likely not have the vehicle until the XXXX payment is due. If the car arrives and is re-delivered on XXXX XXXX I will have paid for 60 days of lease yet only have 10 days on driving. Normally, if I had taken delivery in the U.S. at the dealer, I would have taken delivery, made the `` drive off '' payment and actually driven off with the car. I would have gotten full value for the lease. When the XXXX delivery option was described to me, the worst case seemed to be that I would pay one month of lease for 10 days on driving and not have any other loss of use penalties. However, this is not the case and I would appreciate assistance in getting credit for at least one additional month of the lease. 

Also, BMW Financial Services was sloppy in how they have handled my billing statements by not crediting the one month that they did in time to not trigger additional fees and penalties. After a call from me it was corrected but it should never have happened that way.
experian lowered my credit score by 16 pts when XXXX and XXXX raised the score over 40 pts using the same data in XXXX 2017.experian refuses to reconsider the matter nor would they explain why they lowered the score
In the winter of XX/XX/XXXX I went to Wells Fargo for a Pre-Approval letter to purchase a duplex investment property. The loan person XXXX spoke about what good investments rental properties are and said I would need to put up 20 % as a down payment as oppose to VA loans. She gave me a letter stating just that on Wells Fargo letterhead. I negotiated the sell price based on this information, went under contract and submitted it to the bank. Well after ratifying the contract, I got a email from XXXX listing addition items needed to proceed. The last bullet was a note saying " by the way, it 's not 20 % but 25 %. Needlessness to say, I was neither happy about the content, the mis-information or the manner in which it was now being made known. I complained to every level of Wells Fargo and told that nothing could be done but as a token appeasement for this multi XXXX dollar error, the bank would refund me the cost of the appraisal at closing. That did n't happen either. It toke about XXXX weeks. Flash forward to XX/XX/XXXX. I get a escrow shortage letter like none I 've ever seen before for this property. First of all, I have only had the mortgage a year. Secondly, the letter states that even if I pay the lump sum of nearly {$700.00}, my mortgage will still go up about {$70.00} a month and if I do nothing over {$100.00} increase! So I called for an explanation. First I was told that the shortage was caused by tax and insurance increases. I challenged that and the story changed. I have been told that the real reason is that at closing I paid for my flood insurance up front as I was directed to do. Wells Fargo was to escrow for the following year over XX/XX/XXXX and did n't. This is again a bank error and I should n't have to pay for it with a substantial monthly rate increase. I have again complained and have had communication with Wells Fargo 's corporate office. This process has been going on for some time and XXXX of deadlines for resolution have been extended. The last XXXX was XX/XX/XXXX. Got the the call. New date XX/XX/XXXX. It did n't take long to make these mistakes. I have been with this bank for 20 years and deserve better. Please Help
The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX Mortgage that has been discharged and the other from XXXX a division of XXXX XXXX Bank and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.
I received a letter from ALDRIDGE PITE HAAN , LLP on XX/XX/XXXX, stating that they are a law firm that represents XXXX XXXX XXXX and they were contacting me to collect on a debt that I owed for XXXX. Their letter also stated that, " No attorney at this firm has personally reviewed the circumstances of your account '', which I find to be very odd and suspicious. I responded back to ALDRIDGE PITE HAAN , LLP in a letter on XX/XX/XXXX,  stating that I have no knowledge of this debt or have any responsibility to this debt, in others words, it's not my debt. I stated that this maybe a result of identity theft. I instructed the firm to stop all communications with me and if they stop the collection of this debt, and forward or return it to another company, please indicate to them that it has been disputed. If they have report it to a credit bureau ( or have already done so ), also report that the debt has be disputed. ALDRIDGE PITE HAAN , LLP has totally ignored my instructions and still is, contacting me. They are still trying to force me to pay a debt that is not mine. They mailed me a printed out file of papers of the debt that they are trying to collect on. It's not even a contract and it doesn't even have a signature on the paperwork. It's not my debt.
recklessly putting soft inquiries i opted out of seeing it an all 3 major credit agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXX XXXX declined me,XXXX fcra, same job XXXX years dti lesa THAN 11 % WHAT DO I HAVE TO HAVE 800? THESES COMPANT USING UNFARILY LENDING PRACTICES B/C I HAD MY id THEFT STOLEN.. i VERIFY IN PERSON IT Was me and answered all there question..
This is about the 10th time Ive tried to get my credit report reporting correct and nothing seems to be done. I understand the account can not be removed, although I have PAID THE COLLLECTION OFF IN FULL. however, the account status is still being reporting incorrectly, the account status with transunion had the account as being derogatory. Let me state the correction, The current account status is not derogatory, I have paid the account in full, so it should indicate CLOSED/PAID. Secondly, the payment chart for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, shill show as " C '', for collection. This account was paid off XXXX XXXX, and became no longer in collection when I made the final payment. This holds true for XXXX. XXXX seems to be the only reporting agency that is reporting correctly. The account in question is XXXX XXXX, for my XXXX XXXX Account ending in XXXX. PEASE CORRECT MY CURRENT ACCOUNT STATUS TO PAID/CLOSE AND UPDATE MY PAYMENT HISTORY FROM XX/XX/XXXX TO NOW, AS CLOSED,. According to section 609 of the fair credit reporting act provided protection of consumers against false and erronous reporting. II was advised my another ageny that I can hire a legal team to get this correct. I am trying my best to get this done without a legal team, so please update my current account status and payment history
I discovered my identity had been stolen. I added a fraud alert and requested my credit report from Equifax on XXXX/XXXX/15 online. I never received it. I attempted again via XXXX to request my credit report from Equifax on XXXX, but a prompt appeared advising me that I had to request my report in writting along with identifying documents. I sent immediately, but have not received my free credit report as of this date. I really need my report because I found some items on the other XXXX credit reports that did not belong to me - I believe to be fraud. Its virtually impossible to get through the voicemail hell to get a live person on the phone so this is my last option.
I have had several notices from XXXX XXXX XXXX and XXXX XXXX ... each time they report on my credit they report different dates, amounts etc.. they have had several complaints of fraud and consumer complaints. 
I have continually tried to dispute their charges with no outcome and I demand proof of my responsibility of these accounts and the amount. 
XXXX XXXX XXXX & {$380.00} XXXX-the same amounts..be one can find my name on these accounts-and I had medaid coverage on the  dates reported ( which are different on every report ) .I continue to get bills from the with the content " this is a sale '' never again will we give this " sale '' - this is not a legitimate statement from a creditor.

XXXX XXXX-XX/XX/XXXX- XXXX.. & XX/XX/XXXX- $ XXXX-same situation always different dates amounts letters with different amounts owed-and I demand proof of theses accounts that contest I have responsibility for these accounts. 
XXXX XXXX sent me a bill with the name of the agent as name of my son? Last name is XXXX-and have accounts and amounts that are not the same again! 
Debt Recovery Solutions- sending me bills for a hospital in a different city and county I have not been in and that is not mine. 
I have not had any of these debts and they keep showing up over and over with new amounts on my credit.
I've tried to get it resolved, I never even open up a XXXX account in XX/XX/2010. So, when I reached out to the collection agency for validation, they sent me bills and said this is the verification. I told them that it is incorrect that, I never had a phone account just only prepaid with XXXX XXXX at the time. I was asking for validation to see a verifiable, validation of proof as in Consumer Contract with a wet-ink Signature on it, of the account listed above, Ive also explain to them how it goes against fcra. This wouldn't be the first time that, my identity was stolen.
I was approved for a line of credit on  XX/XX/XXXX  and closed on   XX/XX/XXXX . I t ook {$20000.00} to pay student loans and no other monies were to be disbursed. I never used the line of credit money and have been paying on it since. I received a letter saying my payments will be going up to {$840.00} in  XX/XX/XXXX . That is how I found out that this money had been taken years ago. I reached out to Bank of America ( BoA ) and received a letter saying that an ATM card had been issued on that account in my name 13 days prior to closing on  XX/XX/XXXX  and used to withdraw {$75000.00} on  XX/XX/XXXX . The letter also states that debit cards are mailed within two business days but this was not the case. I would have finished paying off the {$20000.00} by now but now BoA is expecting me to be responsible for the other {$75000.00} that was stolen. The house is only worth half of that and I ca n't even sell it to pay off the loan.
I reached out to BoA but they have n't been very cooperative. Fraud has been committed against me and I need them to send me copies of documents.
1 ) I need a complete copy of the original closing documents including the 3 day right to rescission form 2 ) Who ordered the debit card on  XX/XX/XXXX  before account was opened 3 ) Who authorized/signed off on the {$75000.00} withdrawal. I was told that money is n't available that quickly I would like this information as soon as possible so I can proceed.
Thank you for your assistance.
On XXXX/XXXX/2016 my husband was contacted about recieving a loan. 
The person that he spoke with said that he was with XXXX XXXX XXXX. Then the guy called my husband and asked for security information because he could not recieve verify that the account was our joint account. After recieving the information he had wired XXXX checks into our joint account. US Bank sent email verifiong that the wire had been there. The next day my husband was told to send ther money back to them. That way they could put more money back into the account. My usband went to XXXX XXXX and did the transfer using his debit card. Fraud dept. called my husband and told him that he had just been scammed. when my husband tried to get the transfer stopped. Money gram said that it had already been recieved and that tey could not do anything. Us Bank XXXX chose to put a hard freeze on our joint account as well as my personal account that my daughters XXXX gets deposited. As of today both accounts are closed. I do n't feel that they have the right to hold the money that XXXX had deposited into my personal account. 
I have not been able to pay her bills or pay for her meds. I was told that a certfied check would be cut and sent to me for the diferrence last week. I have not seen anything as far as check. They have closed this account. Again I do not believe that the have the right to old those funds. I have also reported the fraud case to the police. I have added my police case number with my attachments.
Due to the mishandling ( purely ignoring ) the information ( insurance documentation ) which began a series of events, a house I own is now in foreclosure. I 've tried tirelessly to have the issues addresses which XXXX XXXX XXXX XXXX even the CFPB, and now, the attorneys handling the foreclosure SHD Legal Group PA, XXXX XXXX, FL ) just ignore all correspondence. I 've continually attempted to proactively address issues prior to 'escalation ' but no one seems interested in that, probably just interested in acquiring a home worth over {$200000.00} for a loan amount that should be $ XXXX or less and I 've stated several times I could pay off with cash. 

I provided SHD Legal Group with not just the information that began this entire situation but at that point they also had my best contact information but they have yet to be in contact. Based on the information I assumed they would quickly reverse course and check the facts to reduce the damages I have suffered ( obviously this has hit my credit ) but they have not at all. 

I 'm also here, just like I 've always been, I 'm not running from this but I 'm getting word of the process server harassing/scaring the tenants and now my work which if someone would just ask to meet up, they just need to be in contact, in writing, everything in writing ... The fact is usually work from home and this past week my XXXX year old mom had pretty serious XXXX and it did n't go too well so I 've been at the hospital quite a bit. This is a two way street though, be in touch, I 'll address their issue of where we can meet up and I request information related to why or why not they have refused to be in contact and consider the information sent to them. I have attached a copy of the emails.
On or about  XXXX    XXXX  , my   XXXX   XXXX    XXXX  mortgage was sold to Carrington Mortgage Services ( Acct. No.  XXXX  ). While with   XXXX   XXXX    XXXX , I went through a modification, wherein foreclosure fees were incurred and added to my principal balance, with the exception of some title and attorney fees in the amount of approximately {$1400.00}. These fees were added to my account as additional fees and NOT due and owing until satisfaction of my loa n (  language to this affect was outlined in our modification agreement ). S ince Carrington  has taken over the loan, they repeatedly include these fees in my total amount due each month and report this as a past due amount to the credit reporting agencies, thereby adversely affecting my credit. I 've called and they will not correct, and state they will continue to do this. When they took over my mortgage they assumed all the terms and conditions entered into with   XXXX   XXXX   XXXX   XXXX . This lender has horrible reviews and a flawed history. Please help. This is also the same issue for the co-borrower on my loan,  XXXX   XXXX .
{$700.00} was sent to me through paypal by a real person who I met physically. He then tells paypal his card and phone was stolen a week later and files unauthorized use. Paypal debits the {$700.00} from my account resulting in a negative balance and a debt on its way to collections if I do not pay it. I have already submitted a payment to the collector who called me on their behalf. I should not be held responsible for a person trying to take advantage of the protection in place for people who actually lose their things. He is obviously lying and he did send me the money I watched him do it. My credit score is important to me I can not have this debt go to collections nor can I fully afford to pay such an unexpected amount in the 120 days which as I am typing its down to 80 or so left. Paypal refuses to help me and sides with the buyer/sender. I am unable to fight or respond to this in any form. He was able to open a case and have it closed in his favor with no defense allowed on my behalf in any form. I asked is there anything I can do they said no, and I owe paypal the money in question. This is ridiculous, I have done research and many others like myself have lost way more money due to people doing this to them in this exact same way. They make a purchase from you or send you money then turn around and say they did not do it. Then your stuck owing money to the company they used to to send said money. In this case its paypal. They will not help me I need some form of help. They even have in their fine print any problems you have with us they'll hire their own lawyer/arbitrator and you'll be billed for it and im sure he or she finds in their favor. How can they be allowed to do business like this and we the consumers lose no matter what and can not even do anything to defend ourselves?
I paid off or settled with XXXX XXXX XXXX back on XX/XX/XXXX. I made a total amount of payments for {$860.00}. XX/XX/XXXX was when they recieved my last payment and according to the letter they sent me dated XX/XX/XXXX, I have a balance of {$0.00}. I owe them nothing, {$0.00}. However, TransUnion according to them XXXX states I still owe them {$590.00} was of XX/XX/XXXX, which is inaccurate. I have already disputed this twice with TransUnion and even faxed them the letter I have directly from XXXX XXXX XXXX that my balance actually with them is {$0.00}. TransUnion and XXXX XXXX XXXX need to update my credit report accordingly to reflect the balance owed as {$0.00}.