WillisBack/dataset-financial-user-claim huggingface dataset:
I received an update from my credit report that alerted me a new debt was now on my credit report. The debt says it is from Pmab , LLC from a XXXX XXXX XXXX XXXX for {$280.00}. I never received anything from XXXX XXXX XXXX XXXX   disclosing any information about a debt, I also never received anything from Pmab LLC disclosing any information concerning a debt associated with XXXX XXXX. I tried to call Pmab LLC on XX/XX/XXXX, I let them know this was not a debt I owed, they kept telling me who it was from and I stated I haven't been to a XXXX XXXX XXXX XXXX. That got me no where! I've attempted to have this information sent to me via email or mail with no results. Even IF I had ever went to an emergency room or Dr visit, my insurance has a copay, I pay the copay that is on my insurance card and nothing more ( unless it's a prescription ), this {$280.00} doesn't add up to any copay or visits. They say it is from XX/XX/XXXX, why have I never received anything until it alerted on my credit with false information?! It sounds to me as if they're trying to just get money which is not owed to them.
On XX/XX/XXXX i submitted a hardship request packet to specialized loan servicing ; my mortgage loan servicer. They sent me a letter few days later indicating they received and will be reviewing my request. Roughly XX/XX/XXXX I received their denial response letter. Indicating I was denied help because I had already been given a loan modification back in XX/XX/XXXX. A month after them getting the loan from XXXX. I was not working on a loan modification with XXXX and did not request one when they took over the loan. Well, in my hardship request of XX/XX/XXXX i never asked for a loan modification ; I asked for forbearance assuring them I would be out of this rut within 3-6 months. This seems confusing and misleading because they are denying me something I did not ask for. They did not refer to my request of forbearance ; they just denied due to already having have had a loan modification. Please help
Capitol One has been calling me between 4 and 6 times a day. I just recently got back to work after an illness that resulted in hospitalization and the loss of my job. The phone calls are now causing a strain at my new place of employment and may result in the loss of this job as well. I have asked them to stop calling and have blocked several numbers.
I have been psying on this loan since 1994. My daughter bought a mobil home and we thought we were only co-signing but turned out to be in our name. a few payments have been missed in the previous 23 years ( maybe 2 or 3 total ) but we are up to date on it now. The problem is the payment is usually 4 to 12 days late and the mortgage has a {$5.00} late fee which is no problem. They charge me interest daily after the due date til they recieve the payment and then the next month they charge interest from the due date again which means I am paying double interest for about 10 or 12 days a month. The original loan was for approx {$35000.00}. but after 23 years the payoff is still over {$25000.00}. Is this legal? 
The loan company is Ditech.
This individuals placed an abstract of judgement on my property illegally. I never dealt with any of the two companies nor my name is XXXX. My name is XXXX and I never had any contact or business with them. Thank you,
have a few hard Inquires on my credit report, that I don, t know about. 
XXXX 2 time, XXXX 2 times, XXXX. 

dont know if someone is using my info to get credit.
I called on XX/XX/2017. Showing {$0.00} balance on credit report. Item was supposed to be deleted off my credit report. I called and spoke with Transworld Systems - they do not show any balance with them, but they are not able to provide any deletion per the supervisor I spoke with. They told me I needed to go through each credit Bureau. This is effecting my ability to get a mortgage refinance.
all XXXX credit bureaus reporting wrong XXXX have banks that accts were paid in full by insurance over XXXX yrs ago and XXXX yrs ago they charged off accts which is fraud and the other credit bureau has a bank in Virginia I never appled for and or had! all XXXX credit bureaus Equifax, XXXX and XXXX have errors as it has XXXX acct that is in error
I have filed two disputes with Equifax. They are reporting 4 of my accounts with wrong balances and have said they have verified it. This is the only reporting agency reporting them inaccurately. The balances are with XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I contacted the four companies and they assure me that they are not reporting what Equifax is stating. Equifax is also reporting a card that was reported lost in XX/XX/2017 as a charge off, as charges were continued to be allowed after card was reported missing. They will not accurately update anything and it is causing great harm to my score.
Loan was with XXXX XXXX XXXX, was transferred to Nationstar Mortgage now Mr Cooper, letter from XXXX XXXX XXXX  dated XX/XX/2012 said fax in modification paperwork and balance reduction and modification will be done! Was faxed and then transferred. Mr Cooper always says that was modified with XXXX XXXX XXXX but was not or would not be complaining! Mr Cooper always refutes the information and again WAS NEVER MODIFIED WITH THE BALANCE REDUCTION! THATS WAS I WANT AGAIN NEVER MODIFIED WITH THE BALANCE REDUCTION! Mr Cooper will sell to someone at value but inclosed is proof, DO THE RIGHT AND ETHICAL THING AND  HONOR LETTER AND QUIT GIVING EXCUSES!
I purchased a car from XXXX XXXX Toyota and the finance department offered me gap explaining that it will cover anything that my insurance does n't covers if the car was to get totaled which did happen on XXXX XXXX XXXX so my insurance which was direct general paid what they believed the car was vauled at XXXX which does n't make much sense because it was a XXXX Toyota Corolla with XXXX miles and the gap which was XXXX company paid XXXX which was n't the remainder because the payoff was XXXX so now I have a balance left on the car that I have to pay and I have no car and owe my finance company XXXX and they want the payment in full I ca n't get a another car because the loan is still on my credit and if I do n't pay them XXXX by XX/XX/XXXX they will charge it off it seem very unfair and then also my finance company reported to my credit as been 60 days behind when in never was late with them I got in the accident on XXXX XXXX and it was made aware to them and my insurance declared it as a total loss and my insurance advise the was going to issue the check which they did and my finance company still reported to my credit as 60 days past due
I received a complaint from Zwicker and associates XX/XX/XXXX without a demand letter or any pre- knowlege of a lawsuit pending. I do n't know who the law firm/debt buyer is, and they did not attach an affidavit or show anything pertaining to the alleged debt they are trying to collect, and they have violated the fair debt collection practices act. If they were truly working for XXXX as they claim is the plaintiff, they would know I have a third party lawyer assigned to the case. That lawyer would have received the demand letter, but they did not.
Quality Loan Service posted a Notice of Trustee Sale at my door today, they are attempting to do a non judicial foreclosure as a Trustee based on a note I executed with the Lender ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX went out of business. I have been asking my loan servicer ( XXXX XXXX ) and Quality Loan to please let me know who is the Beneficiary of my loan. They have refused to provide me that information. I believe that only the the current beneficiary is authorized to instruct the trustee to initiate the nonjudicial foreclosure process. Since the last known beneficiary was XXXX XXXX XXXX XXXX and they went out of business, I would like to know who is the current beneficiary and the proof of their purchase. This is the only reason I was afraid to negotiate a modification with XXXX. I became suspicious after they took money from Nevada 's Hardest Hit Fund on my behalf but refused to bring my loan current after that. I would like to see proof of who owns my loan now and if they are authorized to order Quality Loan Services to foreclose on me.
I received a letter from  XXXX   XXXX   XXXX  on   X/X/XXXX  cl aiming they are collecting a debt in the amount of {$460.00} from an account in my name from  XXXX   XXXX . I do not owe this, so I contacted  XXXX   XXXX   XXXX  immediately and asked for validation of this debt. Never heard from them. I contacted CFPB on  X/XX/XXXX  and filed a complaint about this issue.  XXXX   XXXX   XXXX  responded to me through online portal for CFPB on  X/XX/XXXX  stating that they would stop all contact and collections until they had sent me validation. 35 days have past I never received validity of this claim. However,  XXXX   XXXX   XXXX  has reported on my credit file under the name  XXXX   XXXX   XXXX  and also under the name LVNV Funding LLC as if they have validity of this claim and as if I have received from them validity of this claim, of which I have not. And caused my credit file to take a  XXXX  digit decline.I have never done business with either of these companies and have no outstanding collection accounts until they hit me twice with their claim. They claim an account number ending in  XXXX  is an account they own and are collecting from me, but after 35 days has not given me any validation to this claim.
Experian reporting account incorrectly in regards to date opened, date first reported and date of status, Original Delinquency date and terms. XXXX XXXX XXXX is reporting as if it is a new account. I have never had a loan with XXXX XXXX XXXX, nor have I ever submitted a payment of any kind to XXXX XXXX XXXX. It is my understanding this account was acquired after a merger and XXXX XXXX XXXX acquired the original creditor XXXX XXXX and as well as any outstanding debt. The original creditor XXXX XXXX charged off the account as of XXXX XXXX. Current owner of acquired debt XXXX XXXX XXXX is reporting the account as a newly opened as of XXXX XXXX. How is that possible? When the account was initially issued by XXXX XXXX in XXXX XXXX and was delinquent as of XXXX XXXX account was never brought current nor were there any additional payments made after going delinquent XX/XX/XXXX. Per FCRA The seven-year period begins 180 days after the delinquency ( the first missed payment ) that led to the collection activity or charge-off. The clock does not start ticking again if the account is sold to another collection agency, you make a payment on it, or you file a dispute with the credit reporting agency. Per the FCRA XXXX is required to report the original delinquency date. As of todays date XXXX/XXXX/XXXX this account has been reporting negatively on my credit report ( Experian & XXXX ) for 9 years and 10 months. After getting an attorney involved XXXX has removed as of a dated correspondence from their office on XXXX/XXXX/XXXX. XXXX must have responded to a request from XXXX. This creditor is completely disregarding the FCRA by deliberately reporting inaccurate information as well as Experian is reporting incorrect information. I believe XXXX XXXX XXXX has a moral responsibility as a financial institution to report correct and accurate information to the credit bureaus and Experian should review and verify documentation to know they are correctly reporting verified. Due to this inaccuracy I have recently been denied credit as well as housing.
I have submitted my unemployment documents from the State of Texas three times to Navient and they refuse to apply my Forbearance for loss of income. I have filled out the form, submitted documents such as separation letter from employer, approval of benefits from XXXX and payment information from XXXX. This is for a Federal Student Loan.
XXXX XXXX  XXXX points stolen and used at XXXX XXXX XX/XX/18. 
Email account hacked and shutdown with XXXX ( date unknown ). 
XXXX account hacked and shutdown ( date unknown ) Applied for credit card with XXXX XXXX and approved up to {$4200.00} ( XX/XX/18 ). 
Applied for XXXX XXXX account to purchase 3 XXXX XXXX  XXXX XXXX  contacted me and stopped order ( XX/XX/18 ). 
Concerned someone has my Social Security information.
So today ( XX/XX/2018 ) I woke up from a buzzing of my phone and saw that I have a lot of notification from Wells Fargo. Turns out my checking account is in $ XXXX because of {$140.00} auto-payment for my insurance ( which they should've took it out on the XX/XX/XXXX and the {$49.00} auto-payment for my internet. So at XXXX XXXX I called Wells Fargo because I thought there has been a mistake with my insurance company and I asked the lady if she can stop the overdraft fee that they were going to charge me ( because they charge fees right away ). She said that she can't stop it but I can give them a call back and they will refund it to me. Then I drove to the bank at XXXX XXXX and deposited {$180.00} in my checking account. When I opened my Wells Fargo app it says that I still owe them and my account now says $ XXXX. I called them right away and asked and they said it was because of the overdraft fee. Now I told the guy that I called earlier this morning about it and they said they would refund it to me ; he checked and said my account is not eligible for refund and that the fee will stay. I asked him the reason why it didn't show the fee earlier and he said it was because it's before XXXX XXXX. Now I totally understand that but I called before XXXX XXXX to stop the overdraft fee and told me they would refund it and now they're telling me they will not refund it. 

Wells Fargo have been doing shady things, cheating their customers and been stealing their customers money. It's such a disappointment that they never actually did anything to make their customers satisfied and happy. 

Oh and one thing. I know someone that works in Wells Fargo and she was telling everyone how satisfying it is to see someones account get overdraft and how they love charging them fees and taking the customers money. What a disappointment.
I was in the process of refinancing my house and the title company and US Bank fail to send the payment before the due date.
Portfolio Recovery continues to call for three months now trying to locate someone that does not live here. They continue to call. I block one number and they switch to another number to continue calling. I do not owe them or anyone associated with them any debts.
Experian allows XXXX XXXX XXXX to violate Federal Bankruptcy Laws in reporting false information. I am not 30 days late, The payment for XX/XX/2016 was not due, as I filed Chapter XXXX Bankruptcy on XXXX/XXXX/2016 The both accounts ending in XXXX and XXXX have been included in my Chapter XXXX Bankruptcy that was filed on XXXX/XXXX/2016
COSTCO and XXXX XXXX entered into an arrangement that promoted XXXX XXXX credit cards and COSTCO membership. I agreed to obtain an XXXX XXXX card and a COSTCO membership pursuant to this agreement. For reasons known to XXXX XXXX and COSTCO, they terminated this agreement with terminated my XXXX XXXX card. 

COSTCO sought to recreate this arrangement with XXXX, a different credit card company ( issued by CitiBank ). To promote this new agreement, XXXX sent me a credit card which I immediately destroyed and never validated. Notwithstanding my refusal to enter into an agreement with XXXX, COSTCO charged a new membership ( that I had not authorized ) to the Visa card that I had destroyed. I had decided that I would not renew my existing membership with COSTCO and I refused the Visa card. 

Nevertheless, COSTCO charged to the XXXX credit card I had not authorized a new membership with COSTCO that I had not authorized. When I objected to this, XXXX told me that I must speak with COSTCO about this, rather than considering this to be a fraudulent charge that I had not authorized to a credit card I had not authorized.
I declared bankruptcy and it was discharged as a Chapter XXXX bankruptcy on XX/XX/XXXX. My Bank of America credit card account was part of that discharge yet they are still reporting to the credit reporting agencies that I am delinquent on that account, over 10 years later. On approx. XX/XX/XXXX, I contacted them by phone and the clerk agreed their records show the account was discharged in my bankruptcy and that she would submit a dispute to hopefully have it removed. I received their response to that dispute, dated XX/XX/XXXX, in the mail. It clearly states the account was discharged during my bankruptcy. And it also clearly states that they are correctly reporting my delinquency and will continue to do so. I called again and spoke to a supervisor, and then to her supervisor. Both stated they could see it was discharged in my bankruptcy and both stated they could only resubmit a dispute to the same department that already refused to fix the mistake. And that their response would probably remain the same. I informed them it is a violation of my rights to continue to report me as delinquent but they said their policy is that they can only resubmit a dispute and were not capable of actually fixing their mistake.
I called Experian about the credit reporting information and my score not going up although my score has went up on XXXX and XXXX. They are still showing accounts that should have been removed.
BMW Financial posted a 30 day late on my credit report for XXXX, XXXX and XXXX. My payments were made on XX/XX/XXXX. I posted two separate payments as my first payment was incorrectly entered as {$240.00} on the BMW system. I then went in soon thereafter and posted another payment for {$400.00} to ensure my acct would be current also on XX/XX/XXXX. I then received a call on XX/XX/XXXX indicating my acct was still past due as only the {$400.00} was entered in the system. I then immediately made the payment. I was always under the assumption that both of my payment had been made as I had received the confirmation email from BMW.
I sent a letter to BMW with confirmation of my email confirmation as well as the debit from my bank. BMW denied the confirmation and stated that it was incorrect even though I sent proof of the email as well as where the debit had taken place on my account. BMW asked me to dispute the amount with my bank as they had never received it. I put a dispute in place with my bank account and asked BMW to at least remove the 30 day late from my credit as the error had been on their end and as a goodwill as I have been a good customer. They once again denied everything and told me they would not remove the 30 day even after providing all the proof. I am asking that they remove the 30 day late from the 3 credit bureaus as i am unable to qualify for a good rate for a home loan that I am pursuing. Even though i urged them, they are not cooperating and when I ask to speak with management they tell me there is no one in that department i can speak with because they do not take calls.
In brief, XXXX has run a credit report on me without my permission, knowledge or consent. 
I had an account with them until recently. I wanted to downgrade my services and move them,, as I moved houses recently. The representative decided to close my account and then open a new one for me. This required, according to the representative, a credit check. I refused since I was their customer until 2 minutes prior and I find this ridiculous. I said no thank you and left the store. 
A few days later I received in the mail a letter denying my request for an account because of my score! My score is actually in the high zone and so that was a lie. They provided several reasons, one of them that I do not have a SSN, the my credit history is too short and so on - reasons not grounded in reality. 
I tried to contact them, was promised a reply back and never heard anything. 
I find it outrageous that a company like that allows its employees to run credits reports without permission or reason.
I met the terms of the promotional bonus for {$200.00}. HSBC confirmed I met the terms but then said I had a credit card so therefore I was not eligible. There was no prohibition as the limiting terms were " consumer deposit or investment account " Despite numerous attempts they refuse to pay the bonus. See section 1. of the attached document.
XXXX is billing me for tests already paid for by my insurance company. XXXX XXXX is a tier 1 HMO provider for my insurance company. They have been paid, but continue to harass me with bills. I have no deductible or co-pay with my insurance. Now Quest Diagnostics have turned me in to a collection agency ( Credit Control , LLC of XXXX MO-Account # XXXX ), and have billed my credit card {$100.00} without my permission. I have mailed them EOB 's from my insurance company and they have been FAXED to them as well. Hours on hold with their phone support. Staff at XXXX XXXX facilities refuse to answer any billing questions at their local facility, hours of wait on hold if you try to call them. I have used XXXX customer service portal and the only response from them is a form letter in email.
WENT ON LINEXX/XX/XXXX & WAS ABLE TO ACESS MY CREDIT CARD. THE ONLINE WEB SITE STATED I HAD A LINE OF CREDIT AVAILABLE IN THE AMOUNT OF {$11000.00} WITH A BALANCE DUE OF {$4900.00}. I PAID $ XXXX.0N ONXX/XX/XXXX AND THE PAYMENT WAS ACCEPTED. WENT ONLINE ON XX/XX/XXXX. THE WEBSITE SAID I HAD A LINE OF CREDIT OF {$11000.00} OF WHICH {$9200.00} WAS AVAILABLE I PAID {$2400.00} TO XXXX  OUT THE ACCOUNT. THE PAYMENT WAS ACCEPTED. PLACED AN ORDER WITH A SUPPLIER. TRIED TO ACCESS THE CREDIT CARD ONLINE TO CONFIRM THE ORDER WAS PLACED BUT WAS UNABLE TO DO SO. CALLED CUSTOMER SERVICE TO FIND OUT THEY CANCELLED MY CREDIT CARD. 

I AM UNABLE TO ATTACH SUPPORTING DOCUMENTATION SINCE THE COMPANY HAS LOCK ME OUT OF MY ACCOUNT. I AM TRYING TO OBTAIN STATEMENTS REGARDING MY ACCOUNT FOR SUPPORT DOCUMENTS
see attachment This is a complaint for assistance. Slate Chase improper posting payments. lnstructions were provided to post the XXXX for the XXXX due date. Now there appears on the statement a minimum payment due of XXXX which is incorrect ' Slate Chase have failed to response to email request and original letter.
On XXXX XXXX, 2009, a large home, worth about XXXX burned down mysteriously at night. It is in our neighborhood, which has a lot of nice homes. It has been nearly 7 years now, and nothing has happened to tear down or rebuild the home, which is a mess and eye-sore to the community. Why am I writing this : I have been working this case for years now. CHASE Bank seems to be either the owner or the owner of the mortgage. The problem with that, is Chase " hides '' like a child behind laws that are on the books - to NOT tell anyone anything! Hence, XXXX of people here in the community have inquired of Chase about the property, to possibly buy & restore, to tear down the remaining poor structure, etc., but Chase says that they can not tell us anything as we are not the owners. Chase has previously also inferred that they were not the owner, but that the person who built the home, is the proper owner. Whenever we contact him, he adamantly says he is not the owner, but to contact Chase. Wow, what a run-a-round!!! I 've tried to contact JP Morgan Chase 's CEO XXXX XXXX, but that seems to also fall on deaf ears. I 've complained, through this site a couple years ago, once before, and insufficient results only were obtained. So, I 'm DOING so again! Chase owes the public an explanation, so we can then clear up our neighborhood to not appear like a trash bin!
HUNTER WARFIELD, INC has continued to report a past dept from XXXX to XXXX and back and fourth without offering me a settlement option in order to destroy my credit history, they where removed from my credit report for the same dept but later re-reported with an even higher balance and I would like to resolve this dept but am unable to because of no contact settlement information from this collection agency!
Hi, Im disputing this collection claim because I never purchased anything from XXXX XXXX. They are claiming that I owe {$140.00} for a service I never purchased.