WillisBack/dataset-financial-user-claim huggingface dataset:
I just received a package today XXXX XXXX, XXXX from Nationstar Mortgage. The Package contained documents to be completed and return to Nationstar Mortgage in order to begin evaluation process for the Making Home Affordable Modification Program. They started by saying they receive inquiry for the Making Affordable Modification Program from me which I did not ; that is a lie. Nationstar sent me this same kind of package twice in the past in which I told them I did not seek inquiry about Making Home Affordable Modification Program. I applied for Making Home Affordable Program in XXXX and I was well qualified then for the program with XXXX XXXX Home Loan Corporation. In XXXX Nationstar became sub servicer to XXXX Bank, then the XXXX Servicer and eventually took over my XXXX Loan Modification. The modification is still in progress and never was concluded till this day. I have already been considered and qualified for the program in XXXX. It looks to me is a scheme to deceive me to sign me of my XXXX Loan Modification they took over in XXXX. They are playing hardball with me which they have been doing since XXXX. Nationstar have been trying hard to steer me off the XXXX Program in order to get their way. Attached is the letter and the documents they want me to complete and return. They are trying to make me look as if I am a new applicant to XXXX Program. I have been through XXXX extensions of Mortgage Modification in XXXX and XXXX already. This is another lie, and steering and playing of hardball are what they have been doing with me since XXXX.
RPM offered me a 75 % payment of a debt and they settle as paid and would notify the credit agencies there was no longer a debt. I agreed with them and paid them the 75 %. They then reported to the credit agencies that there was still a balance. I contacted them many times and they said they would take care of it but they just keep lying to me and nothing is being done. The whole conversation was recorded by them, the settlement offer and the taking of my credit card number. I believe this is an unacceptable bussinees practice
This is the 3rd time I am writing this, as it disappears as I click a link like the one below. 
Harris and Harris Ltd. calls every other day using a recorded message stating they are debt collectors. The 3rd week in XX/XX/XXXX I called them and asked why and how they collect using a recording. The woman became agitated and said that's what we're told to do. She said that she checked my phone number and I didn't owe any money. I asked if she was sure so she asked for my cell number. Immediately after I gave her my number she repeated that I didn't owe anything and was anxious to end the call. The calls stopped through the holidays, then resumed. For XX/XX/XXXX calls were received on the : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All other calls have deleted as they exceed the number of calls I ; m able to save on my phone.
I am a victim of predatory practices from XXXX. The company sued me where I did not live and used lawyers to harass me. These lawyers have access to my personal credit report, my number, my residence and my employment. The company sued me and obtained a judgment against me. They obtained a wage garnishment and are garnishing {$1800.00}. They used XXXX and XXXX attorney to represent them. I never lived in XXXX located in XXXX, CA, when they served for civil court. This was done about 4 years ago. In addition, recently I went to court on XX/XX/2017 to request claim of exemption. In court I informed civil judge XXXX about the wrongful of serving and that a wage garnishment will great a financial hardship. I have concerns about the way my rights were violated from Judge XXXX, attorneys XXXX, XXXX and XXXX.The judge denied my request of exemption. These are the reasons and concerns about this matter ; my credit report currently does not show a collection reporting from that debt, 5 years ago my credit report did not show a collection reporting from that company, currently my fico score shows good standing, XXXX is a collection agency and a third party, different attorneys are representing this company, the attorneys have violated my rights, the judge violated my rights and I am a victim of discrimination. In court I did n't have a lawyer to represent me, and the judge allowed XXXX to humiliate me. XXXX stated, it was my fault and I asked for this, family comes second, my other financial obligations comes second and requested above the 25 % wage garnishment. In my opinion this is unlawful to harass me in such a way. Furthermore, I pleaded less than $ XXXX monthly levied garnishment and that I could n't afford a wage garnishment above 25 %. Last, I felt violated at the end of the court hearing. A judge or lawyer should not be above the law.
Experian XXXX XXXX XXXX XXXX, TX XXXX I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 

The following inquiries were not done on my behalf : Credit Inquire Disputes XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXXXX/XX/XXXXXXXX/XXXX XXXX/XXXX/2017
Equifax Credit Reporting agency continue to Report XXXX XXXX XXXX-STATUS as a CHARGE OFF.

XXXX XXXX ACCT # XXXX This Account was PAID IN FULL in the Magistrate Court in XXXX County in XX/XX/2015 with the Collection Agency XXXX XXXX. I even reached back to XXXX XXXX XXXX on last month, and asked for a PAID IN FULL LETTER. I have Disputed on Several Occassions concerning the STATUS REPORTING as a CHARGE OFF. Yet Equifax continue to respond to me about the BALANCE REPORTING XXXX. How can this Account Report XXXX  BALANCE and STAUS as CHARGE OFF at the same time? I have attached proof that is is Reporting XXXX  Balance and with a Negative Charge Off Status.

Equifax has the FULL Understanding that anything that REPORTS AS A CHARGE OFF Severly Deminishes your CREDIT SCORE.

I have worked deligently to Improve my Credit because I whole heartedly believe in Credit Worthiness.
I received a private student loan from Chase in XX/XX/XXXX. In XX/XX/XXXX Chase stop servicing student loans and transferred my loan to XXXX. However, in XX/XX/XXXX I was also contacted by XXXX saying I owed them for a student loan that I opened with Chase. I only opened one loan with Chase but both XXXX and XXXX has my student loan with the same promissory note from Chase. I talked to Chase who informed me that my loan was transferred to XXXX whom I have been paying every month. However, XXXX XXXX has defaulted my student loan and garnished my wages for the loan serviced by XXXX.
on XX/XX/2018 I noticed that my credit report included a collection amount and a late payment record for Diversified Consultants , Inc . I have never heard for this company nor received any notice of debt. 

On XX/XX/2018 I called Diversified Consultants to Inquire. I was told that the bill was from last year thru XXXX XXXX XXXX from a " XXXX XXXX ' in the amount of {$560.00}. I was completely paid up with XXXX XXXX XXXX and have not used their service for over a year. Diversified Consultants allegedly had been sending letters to my old address, which I never recieved. 

The agency could not or would not provide me any information with what the debt was for or when it incurred. I indicated that I wanted the contact information for XXXX XXXX XXXX and they refused to give me the information. I told them I wanted to record the information, and they indicated that I was not allowed to record the conversation. I asked for them to please send me information to my new address regarding this debt. 

On XX/XX/2018, I also emailed Diversified Consultants and formally asked them to validate the alleged debt from XXXX XXXX XXXX. 

On XX/XX/2018 I was emailed by Diversified Consultants by XXXX ( no last name was provided ). XXXX had attached a bill from XXXX XXXX XXXX. The bill did not include any information, nothing about dates or what the debt was for, except for the amount due. 

On XX/XX/2018 I wrote XXXX back and again asked her to send me details of the debt. 

On XX/XX/2018, I received a letter in the mail from Diversified Consultants demanding I pay the debt. They also included a copy of XXXX XXXX XXXX bill, which again contained no information except for amount due. 

On XX/XX/2018 I called Diversified Consultants and spoke with XXXX XXXX ( spelling ). XXXX informed me that they already sent a credit validation letter to me. I let him know again that I was requesting information about his debt. 

On XX/XX/2018 I emailed customer service again asking for details on the debt. 

To date, I have not received any information on what this debt is for, yet I am getting harassed to pay a bill. Diversified Consultants also reported false information to the credit bureaus " late payments '' and " delinquent accounts '' Diversified Consultants never provided me with any information on how, or even that I could, dispute this debt. 

Although the company is well aware that I am in need of more information about this debt they have not provided me anything. They will not give me information to contact XXXX XXXX XXXX myself, they will not let me record the phone calls I have with them, and they continue to keep false information on my credit report
I had a credit card with XXXX XXXX XXXX in XX/XX/XXXX account has been closed since XX/XX/XXXX. It still shows on my credit report should have been removed after 7 years. The statue of limitations for this to appear on your credit report is overdue.
I received an alert from XXXX stating that XXXX XXXX had reported XXXX past due balance on my report which caused it to reduce by 72 points. I went to the XXXX XXXX store located in XXXX, North Dakota in XX/XX/XXXX to upgrade my telephone and add a line for my daughter, and in order to process the upgrade I was told that I had to pay everything from a sub-account that I had cancelled with XXXX the month prior. I never received bills for this account and was overcharged repeatedly and have logged complaint calls with XXXX regarding this account from it's inception until it's completion. This was paid in full in the store and I was able to upgrade my plan and purchase a newer phone. 
I have XXXX phone lines through XXXX and they are all current and I never heard anything else about this old sub-account until I checked my credit report and saw that XXXX had reported it late as of XX/XX/XXXX. I called XXXX and they told me that they would not be able to help me because it has been sold to a debt collection company and to contact them. I told them that they said if I am disputing the charge, I have to contact XXXX directly-and that nobody would tell me why this paid account is showing outstanding or why on earth it was sent to a debt collection company without me having any knowledge whatsoever by phone call or in writing that there was anything outstanding. They told me they can't help me. This is ridiculous. I can't seem to figure out how they can just send things to a 3rd party collection agency without notifying me beforehand so that I can dispute this in person and show them I have a receipt for payment.
I can get access to my account or money. It causing me not to have funds to go to work or buy my XXXX child nesseceties.
XXXX XXXX XXXX PORTFOLIO RECOVERY, I HAVE BEEN HARRESSED BY THIS PORTFOLIO RECOVERY SINCE XXXX-XXXX WEEKLY THEY SEND OUT MAILINGS DEMANDING XXXX DOLLARS FOR XXXX XXXX THAT WENT OUT OF BUSINESS. THE SAME GIRL USING DIFFERENT NAMES CALLS AND DEMANDS PAYMENT. THIS WAS DISCHARGED IN BANKRUPTCY, MY ATTORNEY XXXX XXXX HAD CALLED AND NOTIFIED THEM CONSTANT. TO NO AVAIL, I AM CONSTANTLY HARRESSED.
I had XXXX XXXX, and terminated the service. I returned their equipment, and then got a statement from their company regarding the final bill. After the last was paid on XX/XX/XXXX in the amount of {$210.00} for the upcoming month I quickly cancelled and paid the last bill, I got a bill from XXXX in late XXXX that indicated I had a credit balance of {$180.00}. This was the last statement I had received. On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX ( Phone Number ( XXXX ) XXXX that my XXXX account # I had been sent to collections in the amount of {$29.00}. Never was I informed by XXXX that there was an amount due. The last notice I had indicated I had a credit balance of {$180.00}. I was told by XXXX XXXX XXXX that they were a debt collection agency. In protection of my credit, I formally asked them to provide me copies of my credit report, and also told them I feel they are in violation of the Fair Credit Reporting Act. To protect my credit, I reluctantly paid them the {$29.00}, even though after I contacted XXXX, and they admitted I shouldn't have owed anything! This is a XXXX scam, and they are collecting debts without justification
My complaint about this online remittance company  ( PNBWEBREMIT.COM )  is that they do not send a proof of delivery that would tell their customers that they actually sent the money. Also, they make it impossible for their customers to cancel a transaction.   Here are the details : I sent some money through https : //www.pnbwebremit.com o n  XX/XX/XXXX  .   Within an hour, I realized I had to cancel my transaction. I got the run-around. I called the number on their website (  XXXX  ) which directed me to another phone number. Then, upon reaching Customer Service, they said they could only cancel if I sent them an email. I sent an email to  three e mail addresses :   XXXX   XXXX   XXXX  ,  XXXX  XXXX  XXXX  and  XXXX  XXXX  XXXX . I received an out-of-office email fro m three emails . It 's been over 48 hours and they have not responded. Meanwhile, the money is underway and I could not cancel   the transaction.
To resolve my complaint and protect the US consumers, please require this company https : //www.pnbwebremit.com which appears to exist only online, to provide proof of delivery of the    money. Also, please require them to have a method to cancel financial transactions. Please require them also to display their email address and respond w ithin 8 hours. If it is so easy for them to take the consumers ' money online, they should make it easy for their cu stomers to retrieve their money.   To resolve this issue with PNBWEBREMIT.COM, I would like them to give me proof of delivery for each money transfer I have made during the years   XX/XX/XXXX and  XX/XX/XXXX .    Thank you very much.
I have {$1500.00} dollars missing from my Rushcard account, I have an email from dated the XXXX of XXXX stating the money will be refunded back into my account in XXXX business days. My account is still missing the {$1500.00}.
Please can you help me? 

XXXX have send me an email that they will send my transferred XXXX euro back to my bankaccount because they could not verify the name of my bank. XXXX Very strange because I send more than ones money from my bank account to XXXX. XXXX promised me in an email from XXXX XXXX XXXX to send the money back. But XXXX months later and lot of emails nothing send back or put it correctly in my Coinbase EUR wallet. 

I am desperate and I do n't know what to do. 

My name is XXXX XXXX XXXXXXXXXXXX
I filed bankruptcy in XXXX 2015 it discharged XXXX 2015. Per my XXXX credit report it reflects XXXX XXXX XXXX XXXX XXXX XXXX account were closed XXXX/XXXX/2015. Per the Equifax XXXX credit reports the accounts still reflect open. I have contacted both XXXX and Equiax and requested to have the information updated per the XXXX credit report.
XXXX Card services was bought out by Capital One, I was never notified, my payments continued to go to XXXX, Capital One can not locate my payments, I have been charged numerous late fees d/t payments not getting to Capital One, my due date changed as well, Capital One has reported a XXXX late pay on my credit, I have contacted customer service and spoke to managers several times and they will not correct matter in the time frame I need to buy a home, I am being told it may be XXXX days before this is corrected. My statements clearly show my account current until Capital One took over in XXXX 2013. Even though I am being charged late fees, my payments were still made monthly and on time, my due date changed from the XXXX of the month to the XXXX.
I disputed several accounts on my credit report that are related to ID Theft. I also submitted a copy of my police report, victims supplemental financial loss report, and a signed ID Theft Affidavit. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ... .XXXX XXXX XXXX XXXX BANK XXXX ... XXXX XXXX XXXX XXXX ... .XXXX XXXX XXXX XXXX ....
On XX/XX/2016 I purchased a couch from XXXX, and on XX/XX/2016 the couch was returned. The couch contains 90 % polyurethane foam which contains XXXX toxic chemicals, and I am extremely allergic to the couch. 

I contacted discover regarding the situation, and discover provided me with credits. On XX/XX/XXXX Disc. Reversed the credits stating they had contacted the vendor, but the vender never responded to Disc. I provided Disc. With a copy of the email from XXXX stating they would refund the money, and still nothing. 

So now I have no couch, and I am out {$2000.00}.
I got a flyer form Popular Community Bank of XXXX, XXXX XXXX saying if I open a savings account and deposit {$1000.00} I will get {$100.00} bunus if I keep the account open for XXXX month. ( I have the flyer ) I opened an account with Popular Community Bank ( XXXX XXXX ) located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on XXXX XXXX, 2014 as required in the flyer. I deposited a total of {$1100.00} in form of XXXX deposits XXXX for {$1000.00} and another for {$100.00} at the same time. I have the deposit receipts. After XXXX months they failed to credit my account for {$100.00} bonus. I visited the branch of XXXX since they have taken over all branches from Popular, they refused to honor the bonus. I called Popular and they said to contact XXXX. I am being stonewalled by both the banks. I am filing this complaint to see if they have done the same thing to other people. I am more interested in seeing that this kind of unethical behavior is exposed and corrected. XXXXEmail : XXXXXXXXXXXX
Credit was issued to me without intentional consent. While using my ordinary PayPal account, the payment method was automatically defaulted to PayPal Credit. I was charged {$88.00} in late fees and interest over two {$7.00} payments on XXXX XXXX and XXXX XXXX. Assuming the first interest charge to be indicative of ongoing rate ( e.g. ignoring interest charged on late fees XXXX, effective APR on {$15.00} credit issued was approximately 150 %. No paper statements were sent, and email statements appeared to be spam. Company was unavailable at XXXX PST to receive formal complaint and request for refunded late fees. Consumer was advised to call back during normal business hours. Payment was made in full to avoid further reprisal.
Good day : My name is XXXX XXXX, and I have a student loan with Navient as a servicer. Since I live in Puerto Rico, during the hurricane Maria emergency, the servicer provided me with a payment deferment. And I made my payments as agreed. However on XX/XX/2018 the servicer send me an e-mail with my next payment due amount was {$59.00} ( and they told me by phone that the amount will be my payment for that month ), and the next day, they sent other amount ( {$150.00} ). 
I need you to investigate this situation, since I'm in an Income Based Repayment Plan, I don't want my plan to be affected of my credit reports. 
Also, the servicer needs to be more aware of the charges they make to the customers. 

Thanks in advance for your help, XXXX
My FICO score dropped significantly due to unpaid debt to a XXXX credit card. The XXXX Credit card debt was true, but I want to explain why I made the mistake. 
I opened the XXXX XXXX card when I bought XXXX clothing valued {$28.00} on XX/XX/XXXX. After four days, I returned all theclothing to the same storeon XX/XX/XXXX. The cashier refund {$28.00} to a cash card, not to the original payment method as others do usually ( see attachment 1 ). So it give me the wrong impression that I don't owe any amount on this card. In addition, XXXX had a wrong address on my profile. XXXX XXXX showedmy original address isXXXX* XXXX XXXX XXXX, XXXX , IL XXXX ( see the attachment 2 ). Its a wrong because it has no APT number.I provided the right address with APT number when I opened the credit card. 
The consequence of a wrong address is that I have never received the XXXX credit card or monthly statements. I didn't know the unpaid debt until XX/XX/XXXX, when I received a letter from XXXX XXXX notifying me that I need to pay a debt of $ XXXX.Because I was abroad at that time, it was difficult for me to figure out what's going on. All I can do then was to payback the moneyto XXXX XXXX as soon as possible. 
I don't have any intentionto not pay off the debt, it's just {$28.00}. I am new to the country. So I am not familiar with the system, which is why I made the mistakes. However, the wrong information on the bank system also partially caused my account to go to delinquent. None of this would happen if I had received those monthly statements. Can you please recover my credit score partly since I am not the only one who should be blamed for? 
BTW, the phone number on the credit report is also wrong.The correct number is ( XXXX ) XXXX, not ( XXXX ) XXXX.
I disputed these medical collections in XX/XX/2018 and XX/XX/2018 and they came back with my personal information including my test results. I did not give the hospital permission to release my personal information such as specific treatment and etc outside or basic collecting information. Which is a HIPAA violation and a violation of the FCRA.
Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone They call at all hours, including early morning and late at night. This debt is over XXXX years old and no longer reported to consumer credit. I also received a notice from the debt collection company saying they would continue to try to collect the debt even though they could not sue me. The original debt was {$500.00}. With all of the fees it is now up to {$1600.00}. I am currently on unemployment, live in a rural area and am unable to pay this debt. The debt was incurred when my husband was passing of XXXX XXXX and it was used to help with expenses. In 2008 I lost my teaching position due to cut backs and have had a difficult time financially since.
XXXX XXXX XXXX is reporting a bankruptcy write off in XX/XX/XXXX. The bankruptcy was filed in XX/XX/XXXX, discharged in XX/XX/XXXX and paid in full in XX/XX/XXXX. XXXX sold the mortgage in XX/XX/XXXX and was not even a party in the discharge. XX/XX/XXXX is almost 5 years past the filing, over 4 years after the discharge, over 4 years since they sold/transferred the loan, and over 6 months since the loan was paid in full to the Company they sold/transferred the loan. Impossible to have ANY activity in XX/XX/XXXX.
XXXX and XXXX XXXX XXXX XXXX have reported all these tax liens on credit, which negatively affects my credit rating. It was passed that not liens should be on credit reports in XXXX of this year. Please address and have all these reported correctly and accurately on my credit report. Secondly, these balances should have been paid by Bank of America prior to the close of sale on XXXX XXXX XXXX, XXXX NC This was in litigation and claimed to be collected prior to the sale of this property. Please address with Bank of America and refer to the agreement.