WillisBack/dataset-financial-user-claim huggingface dataset:
Im a victim of title fraud XXXX XXXX made the title claim and told me not to pay the mortgage and they will not report any negative enclosed is a copy of the title claim
After pulling my credit report in XXXX, I notice a few accounts with a huge outstanding balance owed to Meridian Financial. I contacted Meridian Financial on XXXX/XXXX/XXXX. I spoke to XXXX about options for a plan to pay off the obligation. At that time, she said l would have to pay a lump sum of {$3000.00} in order for the account holder to look at the possibility for payment. 



I called Meridian Financial on XXXX/XXXX/XXXX and spoke with XXXX. I asked XXXX about my Credit Report and that it stated that I owe {$7500.00} and XXXX accounts. He informed me that the total is {$9400.00} and XXXX accounts on his records. XXXX stated that Meridian Finical Services a lump sum of {$3000.00} by XXXX/XXXX/XXXX or they are going to put more stuff on my credit report. Also, they could n't work with a payment plan until I pay {$3000.00} to possibly get approve for a payment arrangement. 



I spoke to XXXX at XXXX XXXX on XXXX/XXXX/XXXX at XXXX am. He told me that there is no one at XXXX XXXX can help me or speak to me about the account due to the delinquent status. He informed me to call Meridian Financial Services at XXXX ( but the # 's I have on file is XXXX ). I informed him the reason I contacted him due to not getting help with a payment plan from Meridian Financial Services and that I will be filing a complaint with the Consumer Financial Protection Bureau. He then gave me an email to contact the General Manager : XXXXXXXXXXXX. He then thanked me and said " have a good day ''. 



At XXXX XXXX on XXXX/XXXX/XXXX, I spoke to XXXX at Meridian Financial Services about the situation and he forward me to XXXX XXXX, where I left a voice mail at XXXX XXXX requesting a statement summary. 



I was not confident that XXXX XXXX would call me back so I called again at XXXX XXXX and spoke with XXXX. He looked at my account and said about the same thing. I asked if he could give me a summary of my account so I can visually see what is going on with my account. He said he could not and is not allowed to give me a statement of account or a letter with the proposal for repayment. 

I researched the complaints on this site and there are XXXX complaints against Meridian Financial Services listed in the database.
I was going over my credit report and I seen unauthorized inquires that I do not reocognize.Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissiblepurposes, '' that must be met before anyone can inquire a credit file. I never gave any permission for the following companies to pull my credit report XXXX XXXX XXXX / XXXX   demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
I WAS THE VICTIM OF IDENTITY THEFT FRAUD AND I HAVE DISPUTED THIS DEBT TO THE CREDIT BUREAUS AND THE COLLECTION AGENCY TO NO AVAIL ...
We have a account at Valley National bank in new jersey, we are in retire community in XXXX nj, the branch that we got our account is there n close to us the complaint is every time we deposit or transfer money from our savings to cover some bills that i see is missing the money to cover those bills including pennies they charge us $ XXXX.every time including XXXX in same day for another bill not even when i trasnfer the money early in the morning before banking hours they still charging us {$35.00} for late fees we got other banking institutions n they never charge us when we put the money to cover bills on the same XXXX hours this bank is reapping seniors of their savings like crazy i just got charge XXXX {$35.00} for XXXX bills that i put money before they open for bank hours. please stop this institution from taking money from seniors!
I contacted all three major credit bureaus in XXXX, 2017 and alerted them to an ID Theft that I had just discovered had en occurring for many months. My losses are in the hundreds of thousands of dollars is misappropriated funds from my personal and corporate bank accounts. I also filed reports with State ( Local Police ) and Federal Law Enforcement ( FTC ) Agencies and furnished the Credit Bureaus and Every Creditor on my affected accounts with copies of the reports. I further verified the Complete ID Theft and Account Takeover with all three major the credit bureaus who had notified me that all of my personal information and account access credentials were available for sale on the underground web online. Both XXXX  and XXXX XXXX Credit Reporting Bureaus Verified the Complete Identity Theft and complied with the Federal Laws on Credit reporting by Blocking the fraudulent accounts from being further reported. I have also had to file Seven Lawsuits in Federal and State Courts against the Creditors who failed to restore the misappropriated funds to my accounts and I provide Notice of Court Case filings to the Creditors and all Three Credit Bureaus. According to every attorney I discussed this situation with, the Bureaus are Compelled by the Federal Fair Credit Reporting Rules and Laws to Block reporting of the Verified Fraudulent Accounts as well as the Creditors Removing any reports and stopping any further reporting on the Verified Fraudulent Accounts. The Equifax Credit Bureau was duly notified in writing many times over the last several months but until today they have ABSOLUTELY REFUSED to Block any Reporting of the Verified Fraudulent Accounts despite Verifying the ID Theft and Takeover and after receiving multiple Notices of Court Case Filings, which takes the account status from a Verified Public Debt and into the Law Enforcement and Court Domain for  Adjudication and is a Verified Fraudulent Debt. Equifax keeps insisting that they are DISPUTING The Verified Accounts with the Creditors and NOT BLOCKING them from being reported per Federal Fair Credit Reporting Laws. I have filed for Court Injunctions against Equifax for continuing to report verified Fraudulent Accounts as Valid Public Debt and have also delivered Cease and Desist Notices to them to no avail. They are Breaking the Federal Laws under which they are Licensed, Regulated and Operate with Blatant Disregard to those laws. I NEED the CFPB 's HELP in addressing their CRIMINAL BEHAVIOR and Forcing them to comply with the Federal Fair Credit Reporting Laws which they are IGNORING.
For personal reasons I left the home in which I was paying for internet. Almost a year later in XX/XX/XXXX I was given the equipment back to return, which I did. After sending it back I was assured that the outstanding balance ( {$270.00} ) would decrease with the the receipt of the equipment and would also erase from my credit history. A month later in XX/XX/XXXX I checked to make sure they received the equipment while I was still getting calls from the collection agency ( Diversified Consultants ). I was told that the case would be escalated in 48 hours and nothing happened. I kept calling them over the course of months wondering what happened to the equipment. Then in XX/XX/XXXX I was on the phone with an XXXX manager who finally said that there was a missing piece of information on the equipment as it was lost the entire time! So there was never a chance to get the bill lowered to the correct amount.The XXXX manager explained to me to just pay off the amount as I was trying to buy a house and to dispute it afterwards. I received a paid in full letter from XXXX. 

I believe that this debt, which was promised would decrease to the correct amount, is wrong. In addition the missing equipment that I returned is no longer in my possession and was misplaced by XXXX which led to the delinquency in my credit report. I am seeking to have it deleted as the debt was paid with harm to only myself.
Failed to validate mortgage, I have been informed from the county register office that there is no existing mortgage. and a mortgage have been transferred 3 times from XXXX XXXX XXXX, XXXX XXXX and SPS currently being the company requesting payments from me XXXX XXXX Deed holder to the property.However no one have been able to produce the original note for the property at XXXX XXXX XXXX XXXX, XXXX NJ XXXX. None of these 3 entities have no interest in my property/House and I have no signed contract with any of these companies. Has of the most recent letter sent from SPS I have no signed contract with XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX.
I filled out all of the information on-line and then there was no report. Is it supposed to be emailed? It just was n't there.
On XXXX XXXX, 2016 I was contacted by a collection agency on behalf of XXXX XXXX XXXX regarding an electric bill which was due for payment on the XXXX of XXXX 2016. However, I never received any previous notification regarding this debt.
Dear Sir / Madam, I understand that you had responded to the XXXX complaint, XXXX that was filed on my behalf by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, saying that you need my authorization in order to provide a response. I hereby authorize you to respond to XXXX XXXX XXXX XXXX XXXX  complaint XXXX. It is critical for me that you provide a response to unauthorized release of temporary security pin online. The very reason for a security pin is to protect myself from identity theft, however, it appears that in this instance a trivial pin was released online by Experian. I trust that you would now be able to respond to XXXX XXXX XXXX 's aforementioned XXXX complaint with this authorization. Best Regards, XXXX XXXX XXXX.
I was told of debt not owed that I do not owe Midland Credit Management has bee using illegal tactics to file lawsuits against identity theft consumers there was no affiliation with these people what so ever past or present they have lied about debts not owed to them there are several lawsuits against Midland Credit Management for their illegal tactics.
Trans union had a computer breach in their system that violated the rights of their consumers under section 6.11 I have been greatly affected and my score is suffering as a result.This computer glitch which caused all of the inquiries on my credit report to be deleted, and my credit score increased.The very next week all of the inquiries were reinserted into my report without prior written notification in direct violation of sec 611 of the fair reporting credit act. I have spoken to several reps of trans union and they all acknowledge that the security breach happened multiple times in XXXX but they refuse to fix their error in my credit report. I am requesting that the reinserted inquiries be permanently removed from my credit file. I demand the following inquiries be removed immediately.1 ) XXXX ON XXXX, 2 ) XXXX ON XXXX, 3 ) XXXX ON XXXX, 4 ) XXXX ON XXXX, 5 ) XXXX ON XXXX, 6 ) XXXX ON XXXX, 7 ) XXXX ON XXXX, 8 ) XXXX ON XXXX, 9 ) XXXX ON XXXX, 10 ) XXXX ON XXXX, 11 ) XXXX ON XXXX, 12 ) XXXX ON XXXX ,13 ) XXXX ON XXXX, 14 ) XXXX ON XXXX, 15 ) XXXX ON XXXX, 16 ) XXXX ON XXXX, 17 ) XXXX ON XXXX, 18 ) XXXX ON XXXX, 19 ) XXXX ON XXXX, 20 ) XXXX ON XXXX, 21 ) XXXX ON XXXX, 22 ) XXXX ON XXXX, 23 ) XXXX ON XXXX, 24 ) XXXX ON XXXX, 25 ) XXXX ON XXXX, 26 ) XXXX ON XXXX, 27 ) XXXX ON XXXX, 28 ) XXXX ON XXXX, 29 ) XXXX ON XXXX, 30 ) XXXX ON XXXX, 31 ) XXXX ON XXXX THANKS, XXXX
Discover bank has a promotion where they double all cashback that you have earned at the end of 1 year. I enrolled in the promotion and even chatted with their CS team in order to confirm my enrollment. The chat agent informed me ( direct quote ) '' after reviewing your account I see that the enrollment was not completed as successful. I have already scheduled your account for the adjustemnt to have your cashback manually doubled. I will complete this at the end of your 12th billing cycle, then you will see it credited within two billing cycles after I complete the adjustement '' At that time and after not seeing my cashback post to my account, I contacted them and Discover bank flat out denies that I ever enrolled and they will not give me the cashback that I earned during the past 12 billing cycles. Banks should be required to keep to their word, and Discover should be required to pay me my rightfully earned cashaback award. According to my calculations they owe me over {$3000.00}.
On XXXX/XXXX/XXXX, a robocall was left on my voicemail - stating that there was a message for xx and given claim # XXXX. I returned the call. I was told I was in Breach of Contract for a payday loan taken out on XXXX/XXXX/XXXX from XXXX XXXX, and I owed {$500.00}. When I asked for a mailing address for the debtor, I was told they could not provide that for their own security. They said they could email me information only. They provided a fax XXXX Attn : Arbitration. They stated that if I did not pay on the debt via credit card, would go to jail and I better get a " good lawyer. '' They had my last XXXX of my social. They are leaving these messages on my cell phone and sister, husband, mother and brothers phone. They do not have a legitimate company -- internet research is showing this is a scammer number. I do not have any outstanding payday loans - nor have I taken any payday loans in XXXX. These company is operating as a bogus debt collector and will only accept payment via electronic means. They will not provide a mailing address. I have called multiple times and they yell, threaten with jail time and that they will see me in court, and then hang up. They will not give you any verification of alleged debt, will not provide you anything via mail
Received a call from XXXX, asking if I had tried to apply for a XXXX XXXX XXXX credit card in California. I said that I hadn't, have been dealing with identity thieves in California. Checked my credit with XXXX XXXX and noticed a hard inquiry dated XX/XX/2018 originating from XXXX/XXXX  XXXX.
XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX credit usage is not being reported correctly. I've tried several times to get this matter corrected by calling the bank and the credit bureaus but no success. Also all three bureaus are reporting different I would like all 3 to be reporting the same. Can someone please help me
Dear CFPB : This was prepared as my Dispute of XXXX Bank 's Response in Case Number XXXX. The CFPB website, due to a technical glitch, will not permit the Dispute to be submitted. Consequently, I am filing a new Complaint. However, this should be consolidated with the aforementioned Case. 
This case pertains to the refund of tax overpayments by banks to their home mortgage customers. It is a standard practice for a homeowner with a mortgage that escrows taxes to pay real property taxes TWICE when a home is sold near the beginning of a tax year. When this happens, the taxing authority ( in my case, XXXX County, Maryland ) refunds the surplus tax payment to the homeowner. The procedure it follows for making this refund is as follows : half of the amount due is sent directly to the homeowner ; the other half is sent to the pertinent mortgage bank for repayment to its home mortgage customer. Accordingly, XXXX County made the direct payment of half the tax refund due ( {$10000.00} XXXX. It sent the other half to US Bank 's agent for tax payments and refunds, a company called XXXX. The XXXX XXXX XXXX XXXX XXXXXXXX, has advised, in writing, that the latter payment cleared XXXX XXXX, 2016. Nevertheless, after the passage of four months, the tax refund of {$10000.00} is still in US Bank 's hands. 
So how did US Bank respond to these allegations when made in Case number XXXX? It pointed to the payment of {$10000.00} and implied that was everything to which I was entitled. The Bank ignored the payment by XXXX County of the second half of the tax refund to its collection agent, XXXX, for repayment to me. 
I have furnished US Bank with written documentation from the XXXX XXXX XXXX XXXX XXXX that it directly paid me a tax refund of {$10000.00}, representing half the sum due, and that it it paid the Bank 's agent, XXXX, the remaining tax refund of {$10000.00} earmarked for me. The written documentation confirms that saif payment to US Bank 's agent cleared XXXX, XXXX, 2016. 
Given these representations, is n't it clear that US Bank is either engaged in intentional obfuscation with the intent to defraud, or that its banking practices are sloppy and lack adequate controls. Either way, it is not reasonable to assume that the Bank 's mishandling of the tax refund is limited to my ordeal. The stronger assumption is that US Bank 's mishandling of tax refunds, whether due to intentional conversion or inadequate internal controls, is injuring a broad swathe of its home mortgage customers. 
For the forgoing reasons, I respectfully request that the CFPB investigate : 1 ) US Bank 's refusal to pay the {$10000.00} tax refund sent to it by XXXX County on my behalf ; and 2 ) US Bank 's tax refund practices and procedures across the base of its home mortgage customers. 
Thank you for considering this Complaint and for also reading this statement in conjunction with Case number XXXX.
A company called Diversified Consultants has called my cell phone 3 times in the past 3 days. I have not answered but have back-traced the calls. They are a debt collection service. I have no debt of any kind - I own my house, cars, etc and have for many years without loans or mortgage.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX I have two collections accounts recent reported by XXXX XXXX in XX/XX/XXXX for 2 medical collection accounts in the amounts of {$1100.00} and {$830.00}. These are being reported to all 3 major credit bureaus ( Experian, XXXX, and XXXX  ). These 2 collections accounts are being reported as of XX/XX/XXXX with a Date Opened of XX/XX/XXXX. These same 2 accounts were already reported previously by XXXX XXXX XXXX  with XXXX XXXX XXXX being the original creditor. The 2 collection accounts reported by XXXX XXXX were in the amounts of {$1100.00} and {$830.00}. Both accounts were deleted from all credit bureaus as these were falsely reported accounts. XXXX XXXX 's collection accounts had Reported Dates of XX/XX/XXXX, and Date Opened of XX/XX/XXXX. So as you can see, not only are their discrepancies in dates, but it is obvious these are the exact same accounts just resold to another debt collector, despite the fact both accounts were already deleted and removed from all my credit reports. I was never provided notification, or allowed to contest this information. Once a debt comes off of your credit report, no furnisher, creditor, debt collector or credit bureau is legally allowed to reinsert it, disguise it and re-report it, without notifying you and giving you the opportunity to contest it. Is this not correct? I am in the middle of being approved for a mortgage and this is an absolute joke that the bureaus even allowed this information to slip past and be re-reported. Quite honestly I could pursue legal avenues and not only get my credit report cleansed of the false information, but I am also likely entitled to monetary damages. XXXX XXXX has already been contacted twice with no response received. Experian validated the debt even though it is clearly a re-reported account that they themselves already deleted from my report when it was initially filed under XXXX XXXX XXXX. I opened disputes with all credit bureaus, and a complaint with the XXXX  against XXXX XXXX In which, XXXX   immediately responded and said for me to reach out via email. Which I have twice, and have received no response. I will continue to open complaints, and seek legal counsel if these are not removed. These are in complete violation of the FCRA. It is an FCRA requirement that the credit reporting agency notify you no later than five days after the date of reinsertion. It doesn't take a rocket scientist to realize these are the exact same debt collection accounts, just being reported under a new collector and new account number. Do your jobs credit bureaus it would take 2 minutes to realize these amounts tie out to each other and should have never been reinserted, not to mention it is in direct violation since you never sent me a notification.
I sent Portfolio Recovery Associates a dispute letter about the debt that they are attemlting to collect being past the statute of limitations for Wa state for open ended credit accounts In the last paragraph of the letter sent it stated to cease all phone calls and use mail to let me know that the matter had been settled They called my cell phone no less than 5 times after that and sent a letter stating that I did not provide enough information to dispute yet they continue to provide the information to verify this everytime I dispute this. The company knows that the debt is zombie debt that needs to be removed from my credit file. It is more than 3 years since the default date.
On XX/XX/2018 ; my XXXX XXXX was deemed a total loss after it was involved in my house fire. BBVA Compass bank took almost two months to send the required documents to my insurance company in order for my insurance company to pay my loan off. During this time, BBVA Compass Bank reported missed payments on my auto loan to credit bureaus. The first time my insurance company contacted them about the loss of my vehicle, they did not report it as a total loss. It wasn't reported as a total loss until almost a month after the fire when I contacted the company myself. On XXXX18, BBVA Compass was contacted by my insurance company ( XXXX XXXX XXXX ) at which time they ensured my insurance agent that they would email the title to my charger and the certificate of guarantee. On XXXX18, my insurance agent called BBVA again because they had sent the title and the letter of guarantee. However, the letter of guarantee did not have the payoff amount listed on it, which was supposed to be filled out by BBVA Compass. BBVA Compass ensured my agent that they would send the corrected letter of guarantee by the end of the day. On XXXX-18, my insurance agent contacted BBVA again because they had still not sent the the letter of guarantee with the payoff listed. On XXXX-18, BBVA sent my insurance agent another copy of the title. At this time, I called BBVA Compass Bank myself and they assured me that they would send the corrected letter of guarantee by the end of the day. On XXXX XXXX, my insurance agent was finally able to issue a check for my totaled vehicle. During the time it took BBVA Compass to send my insurance company the correct information, they reported missed payments on my account to credit bureaus. When BBVA Compass received the check from my insurance, they backdated it to XXXX ( the original month of loss ). However, they have not taken the " missed payments '' off of my credit report. When I called to inquire about this, I was transferred four different times and then told I had to email the total loss department and wait on a phone call from them. This company has put me through the ringer and I can't even get in touch with a person to dispute these charges. My insurance company would've had the car paid off within a week if BBVA Compass would have sent all the information to them in a timely manner. Now my credit score has dropped because of this company and their customer service has been of no help throughout this disaster.