WillisBack/dataset-financial-user-claim huggingface dataset:
PMAB LLC has acted with malice intent to destroy my credit without making any attempt to contact me in regards to the two accounts they are reporting to all three bureaus for the amount of {$290.00} and {$330.00}. PMAB LLC has violated the FCRA and the FDCPA. I have contacted PMAB LLC by mail on XX/XX/XXXX and a certified letter on XX/XX/XXXX in which PMAB LLC signed for the letter on XX/XX/XXXX @ XXXX. PMAB LLC did not notify the credit bureaus that I was disputing these accounts and they have not contacted me back in regards to either letter that was sent. I have a print out from the original creditor going back to XX/XX/XXXX stating I have a XXXX balance to date. This is not my debt and it needs to be removed immediately. PMAB LLC has acted in a very malicious way by not contacting me to begin with as I am victim of identity theft, by ignoring my letters requesting validation while continuing to verify these debts are mine with the bureaus when in fact they are not mine and this is against state and federal law. Remove these two erroneous accounts immediately from my credit reports.
After obtaining a copy of my Equifax credit report, I noticed a collection account reporting on my account by XXXX XXXX XXXX XXXX for a debt for {$270.00}. On XXXX/XXXX/16, I attempted to contact the above agency to validate this debt through a letter sent certified mail, and as of today, I have not received any response regarding this debt. I have attached the letter and proof of receipt of my letters along with this complaint. The problem is I disputed this debt online with Equifax, and Equifax reported the debt as valid. How is the debt validated through Equifax, when the collection agency did not respond to my attempt to communicate with them regarding this debt?
I had a car financed with TD Financial from XX/XX/XXXX until it was recalled by the manufacturer XX/XX/XXXX. XXXX paid the remaining balance due at the time of the recall to the finance company during the first quarter of XX/XX/XXXX. 
The finance company now shows this amount as written off as bad debt on my credit report. 
They also report that six payments from XX/XX/XXXXto XX/XX/XXXX are charge offs on my account. We were informed not to make additional payments after XX/XX/XXXX. 
I have contacted TD Financial twice about this matter since XX/XX/XXXX and was told that they would correct this. As of XX/XX/XXXX this has not been done. 
I have copies of e-mails from XXXX reflecting the payments made.
I habe had this debt removed over and over.  Its not mine.  I have been giving letter from hsbc and already sent to you several times.  Company keeps calling and harassing.  Telling me I better pay my debts from 2005.  Wouldn't get calls if I was paying my debt.not mine tired of you allowing people to rtepeatedly sell false information regarding myself
I am the victim of fraud and your company is reporting inaccurate information to credit agencies. I demand you cease and dismiss the closed accounts, I only recently learned about while trying to open real accounts. Remove all the closed account Infofmation immediately.
My name is XXXX XXXX, I live in Oregon and I have this situation with the banks. I received documents from Deutsche Bank national Trust Company and they are saying that I owe them money for some kind of judgment. I 'm not aware of any judgment especially from Deutsche bank. I 've had my loan sold to XXXX XXXX and I believe Deutsche bank already received money for selling my loan from XXXX because now XXXX has my loan and is asking me to pay my mortgage to them and XXXX is sending me my monthly statements. So why is Deutsche bank is after me and why is there a judgment when they already got paid for this loan by XXXX? 
Deutsche bank put a Sheriffs sale on my home for XXXX/XXXX/2015. I 'm very confused why they would do this and to me it seems like they are doing something very fraudulent here. I would like to stop the sale completely so that I could hire an attorney or if your company ( CFPB ) can provide a good one or recommend one so that I could have them investigate this matter and resolve this fraud. Please give me some time to do so.
I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2018, 60 days late as of XX/XX/2018. 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.
I was surprised to find a debt on my credit report from XXXX with Diversified Consultants Inc ( DCI ). I had phone service through XXXX through the end of XX/XX/XXXX, but had canceled my service and switched providers. The account went into collections, but I never received any kind of notice from DCI that it was being collected on ( either by mail or phone ). 

On XX/XX/XXXX I called XXXX and spoke to a customer service representative who told me that if I agreed to pay XXXX, before I actually paid, the representative would revoke DCI 's collection authority, allow me to pay, and then make a request for deletion to the credit rating agencies for this account. This sounded good to me, so I paid the specified amount. However, on XX/XX/XXXX, instead of a removal, I checked my credit report and instead saw an entry from DCI marking the account as 'Paid ' with a balance of {$0.00}. 

Not happy with this situation, I contacted XXXX using their online chat feature ( chat ID # XXXX ), and said that the representative had told me that collection authority would be revoked from DCI, I would pay, and the account would be deleted from my credit report. The representative responded, " The information is correct. ", leaving no ambiguity as to my understanding being correct. 

As of today, XX/XX/XXXX, the account remains on my credit report with a status of 'Paid ' and a balance of {$0.00}.
Sent 609 letters asking for physical proof of verification of this account belonging to me I havent received anything in writing are as to proof this account belongs to me
I have a credit card on my report that I NEVER opened. I have disputed it several times, and Best Buy continues to update as it belonging to me. I will not pay for a cc that I did n't know existed, that I did not open and that I did not benefit from. what else can be done to take this off? I believe it is a result of identity theft or someone opening up this account without my knowledge. I do n't even have this card in my possession, to know that account number.
Hello my brother and sister in law wired me {$4000.00}. from their XXXX XXXX account in Oregon to help me through a tough time i am going through. Citi bank will not release the wire to my account. For 9 days they lied to me saying wells fargo was holding the wire. Then on XXXX I spoke to XXXX in the Citibank wire dept and she admitted Citibank was holding the wire until my brother in law gives them all his information including his passport #. He has supplied them with all the information and XXXX now said the compliance has all the time in the world to review the information and when they are ready they will release it to my account. She told me they did not tell me the truth because banks talk to banks not to customers. I want my money it has been 7 days and they will not release it.
I opened a student loan with Mohela Department on XX/XX/2010, as well as US Department AFSA on XX/XX/2010, my loans have been closed and I 'm still seeing this loan on my credit report and I would these to be removed, the company tells me I ca n't have them removed unless the government removes them.
I applied for a loan modification last year (XX/XX/XXXX), made the required trial payments and was approved for a loan modification XX/XX/XXXX. I was told that i needed to wait for the paperwork to be sent to me by mail, sign it and mail it back to them to activate the modification. Several weeks later i still had not received the paperwork and called them to inquire. I was told that it was still in process and they could give me no idea as to when it might be sent. I called repeatedly over the ensuing months, sometimes bi-monthly inquiring about the status and paperwork. Always the same reply, " it was in process ''. I was also told that I needn't make payments until i received the paperwork and made the newly modified amount as any outstanding payments would be rolled to the back of the loan. I was having financial difficulties at the time ( the initial reason for the modification request ) and at the time this seemed like a Godsend. I figured I would get a little behind, have it rolled to the back of the loan and start with the newly amended, lower payments which were more within my means.

Weeks and then months passed and still no sight of the required paperwork which i was to sign. I made regular inquiries and was always told the same thing. " In process '' with no idea of when it might be sent.

The week ofXX/XX/XXXX I finally received the packet in the mail. But to my dismay the letter was dated XX/XX/XXXX and i was given til XX/XX/XXXXto have it returned to them with my signature. I called and asked if the paperwork had been sent in XX/XX/XXXX why I wasn't told it was enroute during one of my inquiry calls after that time. They said they had no record of me having called afteXX/XX/XXXX which is a blatant falsehood! Obviously, the time in which to have signed and returned the required paperwork had lapsed by a month and i was then send a denial letter of the modification because I didn't return the paperwork. Also, it has been a week now and I still have not received the paperwork for the re-application of the modification, they say it was sent a week ago but i have not received it. i question whether it will arrive in time to stave off the foreclosure they seem to so badly want.

Also at the same time i was sent a letter telling me that my account was in arrears and was given til XX/XX/XXXXto bring my balance up to date or face immediate foreclosure. I was told {$5000.00} in a letter and {$3300.00} by a customer service representative named XXXX. I was told to reapply for a modification but I suspect it will be denied outright and they will foreclose on my home, this seems to me to be a fraudulent tactic that they are using on me. I don't know if any other consumers have had the same experience as me but I believe they are unlawfully dragging their feet so that they can ultimately foreclose on me.

All I want is for them to honor the original loan modification which was approved in XX/XX/XXXX and I can start making the lower payments and proceed from there. Short of calling them crooks, I am appealing to you to have this matter settled in a fair and equitable way, I deserve this.
Roundpoint mortgage managed property taxes collected at my XXXX XXXX 2016 closing and were advised a Veterans ' property tax waiver was awaiting the XXXX XXXX XXXX XXXX approval. The requested approval documentation was provided Roundpoint so the escrow analysis could begin. Weeks passed but no analysis was done. Per GH Twp, Roundpoint paid the summer taxes XXXX XXXX, 2016 instead of returning the funds to me, per the law. The emails I have demonstrate the lack of cooperation I 've received which included their designated ombudsman. I want Roundpoin to refund the property taxes they managed, returned to me ; I should not penalized ( XXXX60 day for return of funds ) for their errors, these funds should come from Rounpoint directly ... they can wait for the return.
Both XXXX & XXXX refuse to cash my federal tax return check. They both use Telecheck & XXXX. They say my SSN does not match what they have. We tried it multiple times at each store.
Hello, my taxes were recently withheld this year for my student loans and they are still showing a high balance. XXXX. XXXX XXXX XXXX XXXX opened on XX/XX/XXXX date of first deliquency XX/XX/XXXX. Still showing a balance of XXXX which should now be taken care of. Along with XXXX XXXX XXXX XXXX loan balance of XXXX. Opened on XX/XX/XXXX first deliquency of XX/XX/XXXX. Both education loans, both taken out of XX/XX/XXXX 's taxes that I filed with my husband.
XXXX XXXX, XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I am highly dissatisfied with Lexington law firms credit repair services, the advertisement states the there is no up front fee, and guarantees your credit will be repaired in 30 days. I have been a client of this company for over a year and have seen no improvement in my credit. I was charged {$99.00} a month for this time.
Chase credit card company is committing a fraud by assisting a dishonest merchant to steal money from me. I also wonder if there is a class action suit already existed against Chase for this kind of business practice. 

During a trip to XXXX this XXXX, I purchased a massage mattress from a merchant there. The merchant had enticed me to purchase their mattress by offering free gifts of a foam mattress topper and 2 foam neck pillows to bring back and the mattress will be shipped in a later date. The purchase came with a 100 days trial period and free return. Upon return from the trip, the merchant did not ship my mattress on the agreed arrival date and did not contact me for closed to 2 months until I filed a dispute with Chase. I made various attempts to reach out to them before the filing of my dispute with Chase with no avail. Summary of my disputes with Chase decisions ( 3 times ) as follows : 1. When the merchant finally reached me, I no longer trust them and I asked the Merchant to send me a return postage so I can return the free items back to them but the merchant refused to honor their warranty and said they are not responsible for the returned postage and wanted to charge me {$1900.00} for the free gifts. I reached out to Chases dispute department supervisor and she said they can not enforce the merchant to honor their warranty, therefore, my charge is valid. Chase stated that there is nothing they can do until I return their items. 

2. I contacted the merchant and told them I will ship the items back to them at my own expenses and requested for a return address. At that time merchant ceased all communication with me so I notified Chase of the circumstance and see if Chase can obtain a return address for me. 

3. Chase 's decision was that it is not their job to obtain a return address and if the merchant refused to do so, there is nothing they can do about it ; thus, the charges are still valid and I will be responsible for it. This clearly is a dispute between the dishonest merchant and myself and I want to deal with this crooked merchant legally but Chase had decided to become a co-conspirator by processing the charges through thus trying to steal money from their own customer for their own greed. I always thought that a credit card company has an obligation to protect its customers from fraudulent merchants for the fees that we rendered. I understand that I had authorized Chase to proceed with the purchase transaction but I should also have a right to authorize Chase to reverse the transaction if I have a legitimate reason to do so. Chase should not have the power to force their customer to pay for a fraudulent transaction for its own benefit. 

I have attached the followings : 1. XXXX - image of the purchased order. 
2. XXXX - image of the free foam mattress topper. 
3. XXXX - image of the 2 free foam neck pillows. 
4. XXXX - all the email correspondence between the merchant and myself. 
5. XXXX - all the disputed letters sent to Chase by me.
Good afternoon, Continental Credit is currently reporting the collection of an account that I have no knowledge of. I have called and provided all of my personal information in an effort to understand why/how I 'm responsible to no avail. I am currently going through law enforcement background check and fear that this collection error will smear my character. I kindly ask that this matter is quickly addressed. 

thank you, XXXX
I had a credit card with XXXX XXXX XXXX and my limit was {$400.00} on that card and you can't go over that limit, ever. Well, XXXX XXXX   hired a law firm of Peroutka , Miller , Klima & Peters , P.A . to collect the debt. I paid it off last year, {$400.00}. They were trying to get me pay almost {$700.00} for this debt and we agreed upon {$480.00}. So I paid them {$400.00} which was all I could do. Well, now they filed suit against me again at XXXX Court and filed a Garnishment Summons along with XXXX XXXX, which I no longer have an account with them. This is the fourth time they are trying to harass me and threaten me with court and now garnishment for another {$430.00} when I only owe {$82.00}, however, I feel I paid it off in full, I only owed XXXX XXXX/XXXX XXXX {$400.00} EVEN. I am unemployed and told them that, I'm disabled and I told them that, I'm not making any money and haven't filed taxes in years due to not making anything. I have tried to work it out with them and here they come again threatening me with a garnishment suit and now making false allegations and saying I now owe {$430.00}, this is a false amount and this has to be illegal. I suffer from XXXX and now they are causing me XXXX XXXX and I can't take this anymore. I need help!! I filed a letter with them and the court explaining everything and yesterday they sent another legal form from the court with hearing date and I need this to stop and stop them from trying to ruin me and causing me major XXXX XXXX and setting off my XXXX. HELP!!!!
Bank of America is requiring that I default on my loan for two months before they will consider a loan modification. XXXX of the reason I was denied in the past is because I have not missed payments on loan. At the present moment, I am getting assistance from someone else to help pay my loans so it does n't default. I do not feel it is fair to require a customer to default on their loan payments before they can be given a loan modification.
I keep getting fraudulent information on my account even after they have the evidence. They remove it, then put it back on. They they let another company buy it and report the same inaccurate information. I've asked for copies of original contract with my signature. Payment history and all documents and also how the information was verified. They can't give me any documents because they don't exist. Remove, delete, and block those accounts. I've given several 30 day noticed and now am only giving 5 days  because you have supplied inaccurate information to companies requesting my credit report. I am now seeking civil damages for reporting inaccurate information. 
XXXX XXXX XXXX XXXX - {$17000.00} XXXX {$13000.00} XXXX- {$6200.00} XXXX XXXX - {$490.00} XXXX- {$700.00} XXXX XXXX- {$0.00} balance, paid as agreed.
I opened an XXXX XXXX account through XXXX earlier this year ( 2018 ). I used the card and my online account says, Youve spent {$1200.00} at XXXX on your XXXX Crefit Card this year, so I should have been upgraded to platinum ( one you reach {$1200.00} ). This comes with additional benefits. I have not been. I spent 25 minutes on the phone with customer service XX/XX/XXXX and 30 minutes on the online chat with customer service on XX/XX/XXXX and spoke with at least 5 different representatives, and they tried to say I had not spent that much at XXXX, even though my account says I have.
I sent Experian a dispute about unauthorized inquiries on my credit report and I asked them to provide verification that the inquiries were authorized and they responded they were verified but did not show me proof. I filed a complaint with the BBB and Experian responded with the same response. I am asking that you force Experian to provide their investigation documents verifying they indeed investigated this dispute. The inquiries in question are : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
I received a car loan from American Credit Acceptance for a XXXX XXXX XXXX. I did become delinquent however when speaking with them attempting to pay off the loan, I was informed that I could only pay using the automated system and to just pay what it tells me too. I did as instructed and paid the amount provided over the automated system in XX/XX/2015, I paid over {$2000.00} when the remaining amount on my loan was under that. I was informed later that I did not pay it off and when I called to find out why they flat out refused to assist me. They did they would pull the call where I was informed that I could only use the automated system to pay the account off and get back to me. They have never gotten back to me. I have attempted to dispute this item several times but every time they cause undue harm to my credit score by  attempting to make the debt appear as new and delinquent. They have charged off my account however continue to charge me a Per Deum on an account that was paid in full 3 years ago. As well as there was nothing on automated system to instruct this was not a total pay off amount. It did state that I was paying the total amount due.
I checked my XXXX credit report this morning. There was a new entry from Diversified Consultants Inc on there. Supposedly I opened an account on XX/XX/XXXX of this year with XXXX XXXX with a balance of {$460.00} with a high balance of {$93.00}. I have no idea about this account. I have fraud alerts on all my accounts and credit reports, I am a victim of identity theft and I get reports whenever anything changes on my credit reports from XXXX XXXX, XXXX XXXX, and XXXX. This entry is not on my XXXX XXXX report. I want this removed from any of my credit reports. I do not have any loans that were opened this year and especially with this company.
I have tried for many years to get my credit reports from XXXX. Tried online and also phone and paper. No reports. Once, Experian did send a report, and I got some XXXX information through an insurance company. Those exceptions aside, my requests go nowhere. Our banks other financial institutions all advise checking credit reports frequently, at least annually. But XXXX 's failure to provide that service and, more important, failure to provide any reason for NOT providing it, is most frustrating. 
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We ( wife and I ) believe we have excellent credit, probably close to XXXX. We do n't need more credit, but we do need to check our credit reports for accuracy. That 's all we want. 
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I spent this evening trying unsuccessfully to fill out XXXX Contact form. Again and again, I composed a detailed and clear statement and request for help, only to be dropped out of the form with several ( XXXX ) different errors that did n't happen. No help there. 
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I want to know what the problem is. Is there something wrong with our accounts? Do we need to be concerned about possible identity theft? 

I did not fill out another request in recent years. It 's clear what will happen : nothing. 

Can you help? 
XXXX. XXXX From XX/XX/XXXX to XX/XX/XXXX : XXXX. XXXX.
I have notified XXXX XXXX XXXX XXXX that they are inaccurately reporting that I was late from XX/XX/XXXX - XX/XX/XXXX I have asked them to provide me with proof of these late reportings. They have not provide this information to me. I have never been late from XX/XX/XXXX - XX/XX/XXXX. Please assist me in getting these late reportings removed from my credit file.
XXXX XXXX XXXX XXXX was the original creditor for a pay day loan i had in XX/XX/XXXX, the new owner of this zombie debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SAINT XXXX, MO XXXX, re-aged this debt to XX/XX/XXXX. In an attempt to keep this debt alive and on my credit report.
I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. XXXX letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 
AMERICAN EXPRESS XXXX/XXXX/2016