WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is filed against CoreLogic SafeRent, who has produced an inaccurate report that includes landlord-tenant cases filed by XXXX XXXX XXXX from XXXX XXXX through XXXX XXXX. Specifically, CoreLogic SafeRent is inaccurately reporting the court cases as " case filed and the claim amount '' when in fact all of the cases were dismissed because payment had been made. CoreLogic SafeRent is required by the Fair Credit Reporting Act to report accurate information. CoreLogic is violating the federal Fair Credit Reporting Act ( " FCRA '' ) by systematically and illegally reporting court cases that have been dismissed. Because of CoreLogic 's inaccurate reports, I have been denied housing since XXXX and have been forced to live with family members. I have been employed with the XXXX for 25 years, have a good salary, no open collections or late payments and a good credit score. However, none of these factors mattered when I applied for housing on XXXX XXXX, XXXX. The Management Company informed me that my credit score would warrant an approval, but they had to accept the decision not to approve based on the information that was received from CoreLogic SafeRent. For the sixth time, I have been denied housing based on the inaccurate court cases that CoreLogic reported. The inaccurate reports are misleading as it only shows the court cases as " case filed and claim amount '' which implies that the case is still open and the claim amount is still due. This is not correct and I suffered tremendously because of the inaccurate information. Had CoreLogic checked the court records, it would have realized that these cases were dismissed and there are no outstanding balances or money owed. I have faxed three disputes which have been ignored and no one has responded. Nor do this company answer the phone. I have not been able to get this resolved.
In XXXX I became the victim of identity theft. I filed a report with the Police Department. The amount of the theft was close to {$50000.00}, or my life savings. My perfect credit was was ruined. Further, it was not possible to go after the person who had defrauded me ( he posed as a financial advisor ) because he died in XXXX of XXXX. It was information I discovered after I learned of his death that I found I had been defrauded. After I supplied copies of the Police Report to all the companies trying to get payments from me for things I had never charged, all but one of the companies and banks trying to collect money from me dropped their attempts to do so. The only one that has continued to pursue me is the Bank of America. Even after I, a senior on a limited income and now no savings, went to a lawyer and had him repeatedly contact the B of A, they would not relent. The Bank of America and all three of the credit report companies have received copies of my Police Report. After several years of frustration in this matter, I asked the man who helped me with my taxes, a XXXX, to contact the Bank of America. He did and they said they would stop asking me to pay back some $ XXXX, BUT they sent a form to him that said I had received that amount and had to pay taxes on it! The kind CPA said he would attach a letter and my Police Report to the IRS and they would not ask me to pay tax on it, as I had not ever made those charges. BUT after the IRS honored my XXXX 's letter, when I checked my credit report, the $ XXXX was still there from the B of A saying I owed them. The credit report companies ( XXXX, etc ) said there was nothing they could do about it, and the B of A could leave the charges there until XXXX, XXXX. I need your help to stop this. The Bank of America has already received copies of my Police Report as have each of the credit report companies.
Credit card companies will permit people to open accounts online and apply for credit on line but they will not allow a person using the exact same credentials that they had to open the credit card on line to close it on line. Their instructions to cancel are misleading, they tell you to call in on an XXXX number however there is no choices on the message que to pick from to cancel. so you have to sit and listen to all the que and then wait for someone to finally pick up after you wait on hold for ever. Then they tell you that unless you are calling from the phone number on the account then you ca n't cancel of which you have to have information that you probably keep hidden somewhere else. closing an account should be as easy as opening an account and making it this difficult to close an account should be against consumer policies. If I an open it on line then I should have the exact same rights to close it just like I opened it with the exact same credentials. No wonder there is so much fraud out there. You make it so easy to open it and so difficult to close it.
At least 3 times daily I receive a phone call from this company 's number. The message I receive is following-This message is for XXXX we need to gather your statements and your attorney information. After 2 hours your claim will be turned over to litigation and attorney fees will be added to this collection, there is also recommendation to suspend your driving privileges for 180 days. I can not stress how important it is that you call us.
I took out a loan and started to repay it in   XXXX   2017. I contacted customer service over and over trying to pay more than was requested every month. It was a nightmare, left me in tears. I finally have up and found out right before the loan was to begin what the amount was. These people are horrible and have terrible customer service. It is a nightmare that I have to deal with them for the next ten years!!!
In XX/XX/XXXX, I found myself in a financial bind and needed money to pay my rent and bills. I filled out an application with XXXX online and was approved. At the time I desperately needed the money and agreed to their outrages interest rate of 179 % on a {$2500.00} loan. In XXXX I had to make my first payment of {$490.00} and continued payments of {$380.00} monthly until XX/XX/XXXX. I fell on to hard times and could not continue making the payments. I did, in fact, pay from XX/XX/XXXX to XX/XX/XXXX a total of {$2400.00}. In XX/XX/XXXX, I tried to make arrangements with them and come to an agreement but was, unfortunately, they failed to come to terms with me and was later sued. Today, XX/XX/XXXX, I showed up in court and agreed to pay them {$200.00} in XXXX and {$75.00} a month after until the {$2600.00} loan is paid. When I emailed them asking if they would work with me they refused to send me a modification agreement by email or mail. To which I could not understand because they had done it before. I told them that I had the legal right to request any and all communication with them in writing. They stated that for security reasons they could not send it by email and had to speak with me on the phone.
The creditor ( XXXX XXXX ) had agreed to remove the late payments from my account. After 2 months, they still were n't removed. I filed a dispute with equifax and in the process the creditor updated the information and my credit report was updated correctly. 30 days later Equifax put all the negative information back on my report and the creditor had not sent anything new in. I provided them with the mortgage verification showing that I have no late payments and they still want me to redispute the item and wait another 30 days. This is not fair and it 's damaging my credit for no reason.
this is debit that is not mine and was suppose to paid by the company. I get this call from someone claiming to be with XXXX XXXX XXXX about a bill that I do n't owe and I believe that it was a scam call my wife asked what this was about and she wont tell her anything and the was very rude and I called back the person name did sound like a real name the name of a new reporter on tv. and I wont paid the that amount for the cell phone that I do n't have and was the company paid it off.
SPS services was sold my 2nd mortgage account from XXXX mortgages. I filed bankruptcy and it was discharged in 2009 with XXXX. SPS services refuses to remove it from my credit. The joint on the loan has since filed bankruptcy again. 

Account # XXXX The : XXXX XXXX XXXXXXXX XXXX , Customer Support Unit, XXXX XXXX XXXX, XXXX FL XXXX Select Portfolio Servicing, inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX : ( XXXX ) XXXX
I was with  XXXX  for 18 months with a family plan (   XXXX    XXXX   XXXX  ), they told me my plan was going to be  XXXX  dollars a month I star receiving bills how they promised, 3 months later they star increasing to  XXXX , 9 months later  XXXX , until I got tired and decided to go back yo my last  carrier   XXXX , when I port the numbers att Took the phones and told me they were going  yo send m e a prepaid visa to pay  XXXX  ( because I gave the  XXXX  to  XXXX  ), before that  XXXX  told me to pay off the phones and the last bill was going to be {$1000.00} dollars which {$180.00} the last bill and {$300.00} each phone, so I decide to pay the last bill and wait for  XXXX  to send me the prepaid visa to pay off the phone,  ,they said that I had a remaining of {$900.00} dollars, now a 3 weeks ago I received a phone call from a  collection agency that I owe then    XXXX   XXXX   b ecause  XXXX  coold not wait and decided to take me to collection, and now I owe the collection agency more that my balance with  XXXX  because I waiting for the prepaid visa from  XXXX , my question is if is legal now what the collection agency is doing charging me more for what I owe  XXXX ?
XXXX accepted payment it is refusing to apply correctly. An account was opened, then closed without informing me. A new account was opened and used, then paid on time and in full. Payment was to the closed account and not properly adjusted. The payment is being returned to me rather than cancelled and sent to where it would be correctly processed. They are charging me for not paying on time when I did. They are not guiding me on what to do if I do n't receive the check to return it, and what their plan is if a different check needs to be issued in terms of who it would be issued to. I have marked my calendar for XX/XX/17 to inform them if I was not able to return the check to them.
Hello, Please view case numbers : XXXX and XXXX for CFPB. I have been trying to get Equifax to remove this incorrect information off my credit report for over 8 months. This has stop me from buying a house and applying for credit. Now, I have a letter from " XXXX '' stating my identify stolen and this could have taken place far as XXXX years ago. I have medical charges on my credit report which are not mind and Equifax refuse to remove them. In addition to an old account dated back in 2006 for XXXX # XXXX that is not mine and showing I 'm late and dropping my credit score to a XXXX. This score is a XXXX point off the other agencies ... How is that? I have sent Equifax the police report, but they are above federal law and keeping people credit score down to sell information to inflate interest rates. Please help me and investigate why Equifax will not remove these negative accounts off my report : XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX have attached supporting documents. Also, I will allow you to review my credit report. 
Thank you in advance! 
XXXX XXXX
Representative by the name if XXXX XXXX called my husband from Capitol Accounts very rude on the phone and using obscene language. I called the company at XXXX spoke with XXXX advise her on what happen she transferred me to supervisor XXXX I advise him on what happen he did n't sound like he really cared or was concerned.
I tried to send {$1500.00} from a Western Union agent in our local XXXX grocery story in XXXX, Florida, to our son in XXXX, PA. When the WU agent submitted the transaction, she received a message on her computer screen stating that WU had placed the transaction on hold, and that we needed to call WU, using a 1-800 phone number, which we did. After 30 minutes on hold, a nearly unintelligible WU agent came on the line and began asking numerous questions, some of which she should have been able to answer by simply looking at the details of the transaction in front of her! Ultimately, the transaction was cancelled, and our money was refunded, but the agent would not tell us why the transaction was cancelled, instead referring us to the terms and conditions printed on the receipt. I have sent money before using WU, and nothing has changed since then in terms of source and destination, sender and receiver, and the amounts, so I am confused as to why this transaction would be refused. If there is something that WU has changed because of action by the CFPB, my next contact will be with my Congressmen to ask for the CFPB to be disbanded! 

By the way : I went to the nearest XXXX, and used their XXXX money send service, and there were no questions asked, and the money was at the destination in 10 minutes, plus the fee was only {$16.00}, instead of {$120.00} at WU!
I received a letter from a XXXX XXXX XXXX XXXX XXXX. saying that I owe them {$14000.00} on behalf of Fifth Third Bank. As Ive already explained umpteen times to Fifth Third, the charges that make up this balance ARE NOT MINE!!! I will not pay a penny of this because I do not owe this. They said to write within thirty days if this debt is invalid. So this is my letter and the CFPB is my witness. The debt is invalid!!!
I applied for american express platinum card on Tue, XX/XX/XXXX with the offer of getting XXXX points after spending XXXX k in 3 months. At the time of applying I did not get any indication that I am not eligible for this offer. I called american express afterwords a few times and they confirmed that they do see the bonus offer on my account. Subsequently I finished up much more then the required spending and waited to see my bonus. On XX/XX/XXXX I called up american express to inquire about this and was shocked to hear that my welcome offer was denied. I was never communicated about this.
My business was with XXXX XXXX company and XXXX XXXX. i was refinancing my mortgage from XXXX to XXXX XXXX. After the process was finished 3 months later i received a letter from a company called XXXX XXXX XXXX ( SPS ). i have no idea who they are and why they were sending me a letter stating that the pay off for the refinance was short and i now owe them $ XXXX.i disregarded their letter as i had no idea who they were and my business was not with them. after receiving another letter from them my wife called them and questioned them about the letter and their responds was you owe us. Me and my wife ignored their letters as i said my business was not with them.after receiving a letter from them every month with the amount of money owed escalloping and almost 2 years of harassment i hired a lawyer to get to the bottom of this matter. As time mounted this company SPS put me and my wife on as non payment at the credit Bureau. My wife and i have looked this company up and read many complaints about them. Obviously after my attorney contacted them they have settled and i did not have to pay them a penny owed. But now they have damaged my credit with the credit bureau for the next 7 years with their report to the credit bureau. i want this company to remove their complaint about me and my wife to the credit bureau. Select Portfolio Servicing. Account number XXXX. XXXX XXXX & XXXX XXXX
After sending information to verify myself with my disputes, Equifax, XXXX, & XXXX  have not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. Please see items below XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On Wed, XXXX XXXX, I was notified by Wells Fargo Bank that my checking account balance was zero. I went on-line and saw that there was an error with Wells Fargo online Bill Pay system. Wells Fargo had paid one of my bills TWICE -- and the amount in question happened to be huge -- over {$6000.00}. Wells Fargo pulled money from my savings account to cover this " overdraft. '' I called Wells Fargo Customer service and was placed on hold for OVER ONE HOUR due to " high call volume. '' I hung up and tried customer service in Spanish ( 7-minute wait ) .. I was informed that there was a systemic computer glitch and many customers had the same problem. Wells Fargo had no idea when the money would be returned -- hopefully in the next few days. I was advised to monitor my account, not use my ATM card, and not write checks. Thankfully, I have no pending automatic payments. But what happens to customers whose checks will bounce, whose mortgage payments will not be made due to lack of funds? I would like Wells Fargo to return the money that it wrongfully removed from my account. But I also want Wells Fargo to contact affected customers, explain the problem, and offer an apology. This is a systemic problem. It calls for a systemic solution. Instead of putting the onus on individual customers to contact the bank ( and to wait for an hour to talk to a live customer service representative ), Wells Fargo should take the initiative and explain the problem to customers. I am filing this complaint to alert regulators to this problem because it is a systemic problem that requires regulatory oversight. I hope that the immediate problem will be resolved in the next day or two, but someone needs to figure out what happened ( what caused the computer glitch ) and help Wells Fargo develop a protocol for contacting customers ASAP when problems arise. This is the kind of incident that shakes consumer confidence in the banking industry.
I filed a police report locally and with the FTC for Identify theft. I sent all the necessary information to Equifax by registered mail and they are required to block this fraudulent information on my report within 4 business days pursuant to section 605B of the FCRA and it has been 30 days and it is still on my report. My Equifax dropped XXXX points because of this identify theft. Along with the reporting officer we called XXXX and talked to XXXX, operator XXXX and she said to us on the phone and it is recorded in the police report that it is not my debt and she said she would contact Equifax and tell them. Nothing has changed on my report!
My loan was sold from XXXX XXXX to PHH. I did not know this as I never received a notice. I have been paying my loan on " autopay '' but XX/XX/XXXX went to increase principal payment amount and saw my loan was paid off. I called XXXX XXXX and they told me my loan had been sold to PHH. I asked them to provide me with account information for PHH so that I could reach out and ensure payment would be made on time. XXXX XXXX refused to provide any information stating that they could only mail or fax. They also communicated that I should not worry as I had 60 days to make payment. Then on XXXX XXXX, I received a bill from PHH that was mailed on XX/XX/XXXX showing that payment was due on XX/XX/XXXX but mailed on XX/XX/XXXX?? It also showed that they never debited XX/XX/XXXX payment and now they showed XXXX months due. I tried to go to PHH 's site to pay but was unable to do so due to their site 's limited functionality. I did set payment for " autopay '' that will start with XX/XX/XXXX payment, and mailed in a check on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX. Then on Saturday, XX/XX/XXXX, I received a notice from PHH saying that I was 31 days overdue on my mortgage and that adverse actions may be taken. This is frustrating and causing me much anxiety as it is very important that I maintain a good credit rating and on-time payment history. PHH 's notice requested that I called " immediately, '' but when I tried their IVR noted that they were closed. Their poor processes are unacceptable and must be corrected. Moreover, they need to guarantee to me that no adverse action was or will be taken on my account. Not to mention, that they owe homeowners like me an apology.
I attempted Western Union money transfer to another country ( XXXX ) using the service they call " WU Pay. '' This is an on-line billpay type transaction which Western Union advertises as allowing for funds to be obtained by receiving party in about 2 days. My account was debited on XXXX/XXXX/15 and as of XXXX/XXXX/15, my father was unable to obtain the funds. Multiple phone calls to Western Union were made with representatives assuring me that it had been cleared and the funds were available but he could not obtain the funds. On other occasions, I was told that there had been a hold on funds which was subsequently cleared but the recipient was still unable to receive the funds. I attempted to speak to supervisors but was told they were unavailable. My money is still being held by Western Union although they state they will refund it " after 5 business days. ''
I have Tried to get transunion to get this bankruptcy off my transunion report due to this not being mine and its being reported incorrectly, Transunion has always told me that it was verified by the courts them selves which is a lie due to me calling and asking the Court Clerk to see how they verify bankruptcy 's and the Clerk told me that they dont give out any of that information so right there it cant be verified by the original creditor which is the Bankruptcy  XXXX  and for another thing why would someone file bankruptcy if their liabilty is  XXXX  and the  XXXX  amount was  XXXX  also so there is never a person that is going to file a bankruptcy court case if they dont have any debts so Again I am asking for Transunion to Get rid of this bankruptcy off my credit report.
Since we stopped receiving e-statments in XXXX of 2015, we have reached out to XXXXLoan Care many times via phone and via their website to update our contact information ( phone, email, mailing address ), yet our updates are continuously not applied, resulting in us not receiving important information about our payments being increased which then lead to two months of our automatic payments through our bank being insufficient, causing XXXX reports of 30 day 's past due being put on our credit report. 

XXXXLoan Care never contacted us via phone or email to inquire why mail from the property was being returned, they never updated our contact information despite our multiple phone conversations and personal information updates on the web page. Had XXXX updated our information we would have been made aware of the payment change and the " 30 days past due '' never would have occurred. While we were " delinquent in paying the updated amount '' due to an escrow analysis, XXXX continued inability to properly update and maintain our correct contact information prevented us from both knowing about and being able to address the payment increase. When we called in to inquire on these negative credit reportings, we not only made the proper payments, but again changed our contact information, yet we still have received no mail or emails about this mortgage. 

Most currently, when contacting XXXX about our loan, they are unable to find it using either the loan number, our social security numbers, or our names and calls to Loan Care go unanswered.
XXXX XXXX XXXX Ln # XXXX lists me as " Paid was 90 '' or delinquent 90 days. I was NEVER delinquent. I had applied for deferment. I called them to confirm they had my paperwork. They confirmed it. I called again later and then they stated they could n't find it. I told them to look again and they found it. The paperwork was turned in timely and before the deadline. The account has been transferred and is being reported multiple times. It should be removed due to inaccuracy and duplication. It is impacting my credit and I was denied a home loan.