WillisBack/dataset-financial-user-claim huggingface dataset:
I am updating original complaint that I sent to you. I made an original complaint XX/XX/XXXX for the debt collection company PMAB , LLC about not reporting to the credit bureaus XXXX-XXXX-XXXX   for the amount of XXXX. This is a medical debt. This debt came off the credit bureaus from another debt collection agency and was to go back to spin from XXXX XXXX, XXXX. PMAB , LLC responded during original complaint XX/XX/XXXX. The representative on that day told you CFPB it may prevent the items from reporting back to credit bureaus for minimum payment. I still can not afford. I have documents listed from that contradicts on what PMAB , LLC says on that they opened these accounts to credit bureaus XXXX and XXXX between XX/XX/XXXX and XX/XX/XXXX. How can this be when they told you it hasn't been reported on XX/XX/XXXX. False statement. I also did a history from XXXX  only no updates for XX/XX/XXXX cause its still updating.. from XX/XX/XXXX you would think it would have been listed as was XXXX and XXXX but there is no opened date for this. On XX/XX/XXXX, I got a letter still from PMAB , LLC that the total XXXX has not been reported to the credit bureaus. My opinion is it had all ready been with the credit bureaus from another collection agency. The company could have put it as current account balance but did not. The reason is because it has run its course. Now on XX/XX/XXXX, please note I have documents stating on XX/XX/XXXX that its updated from XXXX and XXXX, no 30 days was given to make a formal dispute. I get another letter from PMAB , LLC Some other accounts evidently are falling off credit report XXXX XXXX XXXX XXXX from XX/XX/XXXX the totals XXXX, XXXX, XXXX. So with previous debts total XXXX it is suppose to be XXXX adding the XXXX from XXXX.Only the XXXX is not listed along with XXXX and XXXX. The XXXX and XXXX I understand PMAB , LLC didn't have to report because its under XXXX dollars. So the XXXX did fall off all credit bureaus from XXXX and XXXX, XXXX  is still updating I won't be able to send. to where all should have fell off credit reports. XXXX is what is listed from XXXX and XXXX. PMAB , LLC wants me to pay this where it should be XXXX. PMAB , LLC is coming up with a different total because of the agreement PMAB gave me stating this would not be reported. Once again all these accounts have run its cycle in the credit bureaus from XXXX XXXX, XXXX.
I am asking for your assistance with this matter of relinquishing me from this loan for this leased vehicle. 
Please understand, I was coerced in this process. Being in an abusive situation for four years I did n't have any rights or choices for myself. There was no option for me to say no I am not co- signing, I chose to LIVE as the option when I signed my name. Now that I 'm free from my abuser I still am unfortunately binded in a situation with coerced debt. I have never driven the car, do not have a key, the car is not in my possession, I ca n't make any transactions with XXXX XXXX, collaborate or consult with him, because I fear for my life. 
I would like my name to removed from the loan.
On XX/XX/2018 I received a promo finance charge in the amount of {$820.00} from XXXX XXXX since I did not pay my balance in full by the one year period. I have no issue with this charge but, on XX/XX/XXXX I received a duplicate finance charge in the amount of {$820.00} once again. I have since paid my balance in full and, contacted the creditor on three separate occasions attempting to retrieve my {$820.00} but, I am always given the same response " It is because I didn't pay in full by the end of the promo period ''. I understand that is why I received the initial {$820.00} promotional finance charge but, I should have not received an additional finance charge of the same amount during the same billing period for the same reason.
Transunion has major issues when it comes to having wrong information on there reports. I have had for the past 4 months with Transunion information that was on my report as XXXX XXXX- XXXX XXXX or XXXX by XXXX letter that has nothing to do with them but at the same time Transunion has no right to keep putting and then deleting information that does not belong to XXXX nor assign by the creditor. My score seems like a roller coaster with XXXX  and its never adjusted. If a creditor makes a mistake they should be held liable not by no sorry letter and XXXX  is liable for the issues considering they do not correct there credit scores. Letter assign with complaint.
I have an FHA loan with escrows. The loan servicing company failed to pay our homeowner 's insurance premium on time last year and our homeowner 's insurance policy was cancelled due to non-payment and I had to pay the premium out of my checking account directly to the insurance company to have the policy reinstated and this year they did not pay the flood insurance policy on time and I have had to do the same thing.
XXXX, acting this toime through West Asset Management , Inc, is making an attempt to falsely collect for a debt of {$150.00} that is supposedly for a signal booster that was never requested and never delivered because I did not have XXXX Service.
On XX/XX/2018 a company, operating in collusion with another company seized my private property ( one truck and trailer ), towing it to an offsite location and holding it without legal rights. The vehicle was parked in accordance with law, and the towing from private property violated multiple California State Laws ( see document attached below ). The state statute is very clear regarding the siezure without due process of property belonging to any individual in a towing matter from private property. As outlined multiple elements of the statute were violated. When I went to collect my vehicle, a law enforcement officer went with me. He reported to me this was an ongoing issue, with multiple complaints from consumers, but he did not have a criminal statute to charge the tow company and property owner with. The tow company stated I would pay a large sum of money compounding daily or not have my property released. The owner threatened me with bodily injury if I did not pay. They required the use of a credit card. I had to have access to the vehicle, and while I did not request services relating to the tow, I had no option to get my vehicle save giving them my card under duress. They charged the card and I wrote on the receipt the charge was under duress. The owner confirmed the meaning of the term. I then advised Bank of America of the duress use of my card. BofA took the matter for review and then advised nothing they could do with the merchant based on Visa rules. I contacted Visa and they said they would look into their merchant but have done nothing. Visa claim number is XXXX and BofA claim number is XXXX. The owner of the property in collusion with the towing company is circling the parking lot and grabbing persons vehicles. Multiple complaints appear on the web site for this behavior. A criminal and civil case review are in process now.
I went to XXXX.com like I have in the past to order a free credit report from XXXX of the XXXX bureaus. My plan was to do one every XXXX months like I had in the past. I went through bankruptcy in XXXX and have been rebuilding my credit since then -- this is the first time I have tried to order my credit reports since that time. I wanted to establish a payment history with a small credit card my credit union issued me. I went through the ordering process for each bureau, and for each one, I was notified that I would not be permitted to order online. I would need to order by phone or mail. I had been using XXXX browser and decided to try XXXX and the same thing happened. I 'd many times in the past ordered my free annual credit reports online. Even when I ordered for the first time online I was never declined and asked to do request by mail or phone. The only thing that has changed is that I went through bankruptcy. To me there is no reason that I should have to order by mail or phone when I was very careful to verify exactly who I was correctly online for all three bureaus. I realize I 'll probably have to call XXXX of the bureaus just to get on with this, but this bothers me very much -- I feel singled out based on my bankruptcy filing. Of course I have no proof of this, but I still felt I should report it to you. People trying to come back from bankruptcy should n't be made to jump through this extra hoop. I 'd appreciate being able to monitor my credit report just like everyone else -- by ordering online -- a method that is far more preferable to me. Thanks for listening. Best, XXXX
Wells Fargo bank engages in punitive practices by not accepting bank transfers into checking or savings, from other banks UNTIL the close of business on a day when the transfer bank shows the money has been successfully transferred out. This results in penalizing the consumer with Insufficient Funds fees to primary checking, and transfer fee penalties assessed to the consumer 's Wells Fargo back up savings or credit card accounts. 
Wells Fargo refuses to make proper credits to the consumer, and then has free use of the transferred funds until the close of business. This is PREDATORY. 

UPON COMPLAINT, Wells Fargo reversed the charges, thereby WIPING any trace of this fraud. Attached account records.
XXXX XXXX is intentionally violation the FTC FCRA rules by intentionally reporting balance inaccuracies to the credit bureaus. I have disputed the balances and the status of the account multiple times and XXXX returns with a difference balance that they intentionally know is incorrect in order to impact my credit. The account is reporting in a charge off status, each month they report the account as a charge off, however, the balance is incorrect, the date of initial delinquency is incorrect and the account is managed/sold to XXXX XXXX, who contacts me about the balance.

Per their website the balance remaining on my account is {$14000.00} as of XX/XX/XXXX. The terms is reporting as 73 months and not 72 months per my XXXX  statement. I disputed the balance in XX/XX/XXXX and they returned stating the balance is {$21000.00}. I disputed the balance again in XX/XX/XXXX, on one credit bureau report they stated " Account charged off. {$24000.00} written off. {$21000.00} past due as of XX/XX/XXXX '' to Experian. The statement of {$24000.00} being written off is a factual inaccuracy and it is the obligation of the creditor to report factual information or delete, update or remove the account.

Per my Deficiency letter dated XX/XX/XXXX, the vehicle was sold for {$10000.00} with all of their fees the deficiency balance is {$17000.00}. Again, this was dated in XX/XX/XXXX which means all of the reporting after XX/XX/XXXXwith the inaccurate balances was based off of inaccurate information from XXXX. An intentional effort to report false information and a clear example of XXXX  failing to abide by the FCRA rules.

Again, I have disputed this account for years, at each attempt at disputing the balance is returned with a different amount which is in violations of the FTC FCRA 623 ( b ) ( 1 ) which states If a CRA notifies you that a consumer disputes information you provided, you must : investigate the dispute and review all relevant information provided by the CRA about the dispute ; report your findings to the CRA ; provide corrected information to every CRA that received the information if your investigation shows the information is incomplete or inaccurate ; and modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ).
In XXXX 2016 XXXX XXXX Credit card offered a {$200.00} statement credit when making a purchase over {$500.00} within the first 3 months. When I applied, by the end of XXXX 2016, the offer was {$100.00} instead of the {$200.00}. I called the company to see if I could still get the {$200.00} statement credit offer and they told me that they were going to apply the {$200.00} statement credit as long as I requested after making my over {$500.00} purchase. I purchased 5 year passes to XXXX XXXX In XXXX 2016 and paid {$1600.00} with the XXXX XXXX Credit Card. I called the company so they can apply the {$200.00} to my statement credit. After about three weeks I received a XXXX Gift Card in the amount of {$100.00}. I called the company right away and asked about the {$200.00} statement credit. I told them I did not want the gift card and I was willing to send it back. what I wanted was the {$200.00} statement credit they offered. In early XXXX 2016 I called again because I got my statement and there was no credit at all. I was told that they were going to submit a request for the {$200.00} statement credit and that I was going to get a letter within 10 days. After 10 days I called, XXXX XXXX, 2016, to check the status of the request. The person on the phone said that there was a note about it but the request was never submitted. Again she told me she was going to make sure to submit it and that I was going to receive a letter in the mail about the decision. XXXX XXXX, 2016, I called again to check the status of the request. This time the person on the phone told me that they do not give any statement credit and that they had made a decision in XXXX XXXX, 2016 to not to apply the {$200.00} statement credit. XXXX still shows the {$100.00} statement credit offer. Still they do not want to honor the offer.
My younger brother and sister opened up the account on   XXXX   XXXX   when they were shopping for a  XXXX  gift for our mother and realized they did not have the funds, but Target offered them the option to open a card and have the payments due at a later time.     I was not aware it was opened. I did not receive any mailings because the wrong address was on file. An old driver 's license was used to open the account.     I realized the debt existed when I saw on my credit r eport that two mis sed payments were reported.     I have gotten nowhere with speaking to Target on the phone on   XXXX   XXXX   and on   XXXX   XXXX  . I also visited the store on Friday   XXXX   XXXX   and was told that nothing could be done regarding the account, past balance, or anything.     I tried getting the most recent late fee removed, or offering to settle the account at 90 % of the balance. Both were denied.     I am looking for a small measure of debt relief on a fraudulently opened account that I have proof it was never activated after the initial purchase.
I received your XXXX Card in the Mail without a payment address. It had a XXXX XXXX logo on it. This was in fact a dual purpose account. The clerk in XXXX never explained it to me when she gave me the card. The correct name of the card is XXXX/XXXX, not XXXX XXXX Prior to the payment being due I sent the payment to XXXX XXXX. They received the payment and showed as a credit on my account until it was transferred several months later. 

The payment was sent to XXXX XXXX, with the XXXX Credit Card Number on it. I called the XXXX number on the back of the XXXX card and advised them. I was told they would take care of it. They never did it until I made several additional calls over a period of months. 

I have written numerous letters to XXXX, this matter has never been resolved although I was in constant contact with the XXXX credit card department. 

Received a letter datedXX/XX/XXXX/XX/XX/2014, informing me it would be taken care of, it never was. Note the letter is not completely accurate as it does not show all the contact made between the parties including XXXX XXXX They were very quick to add fees and interest and interest to the fees and interest to the interest on the fees. Although they were unable to transfer money to the correct account. Bottom line the principal amount ( s ) were paid prior to the due dates. 

My opinion company XXXX is a mill to attempt to generate fees and interest, I caution everyone to be very careful and document everything religiously as it occurs. 

Their business model is to give credit to those who can not afford it and fee them to death. A quick search of the internet shows the type and number of complaints. 
Companies with this business model should not be allowed to operate, they are XXXX the American Consumer.
Last week the XXXX show me my credit report and credit score that is lowthe main reason is they cant confirm my identitybut when i log in the experian website to get my credit reportit shows they were unable to honor my requestso if i cant get my credit report how can the XXXX get my credit reportand i want to know how to get my credit report thanks for helping
We had our XXXX mortgage with XXXX for quite a while and while with them, we had our payment set up to be auto drafted out of our account on the XXXX of every month. The payment, I was told, was not considered late until the XXXX so we set it up on the XXXX. It was taken out this way for years. The mortgage was sold to Green Tree Servicing ( now XXXX ) back in XXXX of this year. I called them and asked if I could set the mortgage payment set up to be auto drafted on the XXXX as we had done with XXXX. They said that would be fine. I asked if the payment would be late, and they assured me that it would not be if it was paid by the XXXX. Almost every month since XXXX XXXX XXXX has had this account, someone from their organization calls me wanting to know when we will be making our mortgage payment. I have had to call almost every month to explain that we have our payment set up as an auto draft and why are they calling? They usually say they are sorry and that they will not be calling in the future. Starting yesterday I started getting calls once again from XXXX and quite frankly I am at the end of my rope. We have NEVER BEEN LATE WITH THESE PEOPLE yet they do not seem to get the message that we have this payment set up to be auto drafted out of our account, which it has been every month on the XXXX, and that I do not want to be called about a payment that is automatic. I have been told by people at Green Tree Servicing that they should not be calling me and that the calls would stop. Yet, they never do. I do not know what else to do about this and I am so frustrated that I can feel my XXXX XXXX going up whenever I see their number on our caller ID. When I do talk to them and ask them why they are calling when we have our payment set up to be taken out automatically, they usually say, " Excuse the call. '' But I do not want to do this every month of my life going forward.
I am a   XXXX   XXXX   XXXX   XXXX   helping a client get a modification on his mortgage. The servicer  is PHH a nd I have had continued problems with them regarding this case.   My client recently started receiving    XXXX  . W e sent the servicer the award letters showing how much he will be receiving. We also sent him an explanation letter stating that he applied for direct deposit but that it would take some time before it would begin to show in his bank account.   In the meantime we showed that the client was depositing his check into his account every month. His direct deposit just started in   XX/XX/XXXX .     PHH keeps in sisting that they nee d two months  worth of deposit from Social Security. We have submitted a fully documented hardship request along with a third party authorization.   The servicer keeps sending out missing docs information for the same documents that have been submitted.   The most recent package was sent  XX/XX/XXXX  of this year. Soon after they received it, they sent back the missing docs letter asking for information that was already sent.   My client has   XXXX   XXXX   and he is on  XXXX . He would not be able to tackle this issue alone, so I am advocating for him.   Now with his income he is able to pay his mortgage, b ut PHH is mak ing it really difficult for him to get a modification. My client has a lawyer from legal project working on his behalf as well.   This has been going on for several months and it has gotten to the point where I just needed to make a complaint.
Last year in XX/XX/XXXX someone broke into my apartment with no sign of forced entry. No one had a key to my apartment but me and it was ironically the same day that their maintenance workers had to come to my apartment to fix something. I automatically assumed it was the maintenance worker considering the facts and the condition of my apartment. And I had been hearing from the neighbors that the maintenance people over there do that a lot. I spoke with the property manager and was informed I could break my lease. She told me I could move immediately or put in a 60 day notice which I chose to do to have time to find another apartment. I then filed a police report and a detective got involved and came to speak with everyone in the office. They then got mad and tried to find a reason to attempt to put me out. They had their lawyer first send me a letter saying I had 14 days to vacate the property for violating my lease, by causing a nuisance on the property, which never happened. I went and spoke with an attorney and was informed the letter was basically a threat and I did not have to vacate. I can let them take me to court and they would have to prove I violated my lease. Of course that never happened. I paid my rent for XX/XX/XXXX as stated in the 60 day notice I would be responsible for XX/XX/XXXX and XX/XX/XXXX rent. Then come XX/XX/XXXX, after still going back and forward with me about vacating the premises after their attorney sent me that letter, I attempted to pay XX/XX/XXXX rent. They blocked me from being able to pay my rent via XXXX XXXX and online. I immediately called the office and informed I was unable to pay my rent as I kept getting an error message. I saved the screen shot of the message I was getting as well as a copy of the XXXX XXXX I filled out to pay my rent. I was told by the assistant property manager, XXXX XXXX, that they could not except in money from me, they just wanted me to turn in my keys and vacate before the evict me through court. Again, I spoke with another attorney who informed me I did not have to vacate I could let them try to evict me through court. So on XX/XX/XXXX they come putting a late notice on my door saying my rent was late and if not paid immediately they would be taking me to court for possession of property. Needless to say that never happened either. I ended up turning my keys in and moving out at the end of XX/XX/XXXX which was the agreement anyway from my day notice. During this time I also was speaking back and forth with a lady named, XXXX XXXX from the corporate office who also told me since they turned the case over to their attorney they could not accept any more money from me and that all they wanted me to do was vacate their property. Upon leaving, I gave them my forwarded address and never receive anything from them regarding a court date, my security deposit or anything. Then about 2 months later I get a letter from the collection agency saying I owe {$710.00}. And like I stated before I have all the proof and evidence that I tried to pay for XX/XX/XXXX and they would not allow me and told me they didnt want it.
I would like for inaccurate person information be moved from my report. I would like for my report to be updated with the correct information