WillisBack/dataset-financial-user-claim huggingface dataset:
keep receiving numerous calls daily from  XXXX   Absolute Collection Corp  or they use different numbers to call. They have called people that I have never used as a reference  ( my ex-husband which we have been divorce for 17 years ),  my ex-mother in-law, my job, my siblings and even my   XXXX    kids. They leave threatening message about having me arrested and that someone is coming to the house at a certain time and I better be there. they told my ex-husband they had repo my ca r (  not true ). My family is worried and I am concern they will give them money thinking they are helping me. I have told these people before to leave my family alone, but they do n't. I receive calls 7 days a week and they are now contacting me at work. I called the police and an officer came and tried calling the number and they hang up. They have no right to disclose my personal information and call people I have no contact with or provided the information to them.
I had a foreclosure with a company but it is showing up as 2 separate accounts on my credit report. It is damaging my credit because it appears as though i had 2 foreclosures when i actually only had 1. I've tried correcting the reporting with the company and the bureaus but have been unable to.
I was defrauded out of {$2600.00} because I made a decision to complete a purchase as part of a work assignment based on the information that my bank provided to me. Specifically, I made a deposit at my branch and asked how long it would take to for the funds to clear my account so that i would know the funds were good and available for use. I was told 24 to 48 hours, which I have later discovered is not accurate. When the funds became available in my account, I again verified with the bank if the funds were good and they confirmed that they were. I then used those funds to complete my assignment, which was to purchase goods at a store. I would have NEVER completed my assignment and made a purchase had I understood that the funds which were made " available '' in my account were NOT actually cleared.
Recently, I did online shopping with XXXX and ordered for a smart watch. XXXX XXXX : XXXX + Insurance : XXXX XXXX + Fast Freight : XXXX XXXX ; Total amount payed : XXXX XXXX. I was asked to buy this single smart watch by a trading company in XXXX. This single watch should be a sample for the company so that the company can examine it whether it has marketable features for XXXX market. I am a XXXX XXXX and not a trader. I only wanted to do this because they asked me to do it. I paid for the watch through PayPal with the instructions that I need the watch to arrive within ten ( 10 ) days. However, when I observed that the order has not shipped after seven days, I canceled the ordered and requested for a prompt refund of XXXX. XXXX was added to compensate for wasted time and financial loss on my side for placing this order. 
XXXX replied that they have paid the requested refund. PayPal also confirmed it but it has not reflected on my Bank account statement. I need all the money I can raise to do this business. Please, do ask PayPal to pay my refund immediately. If they delay, I will ask for more compensation. Also, I have tried to communicate this issue with PayPal, but they always reply to their message centre where they have deliberately designed so that I will not be able to read the whole message. I asked that PayPal should henceforth send messages to my email, but they will not comply. How am I going to read the messages? Please, ask that PayPal should comply and send messages to my email.
I had a discover card with payment protection which showed a charge for on all statements. they refused to use this insurance and sued me in court which I was unable to attend due to a death. My mother. They got the judgement and attached my wages as well as a lein on my home. this debt has been paid in full per my payroll dept and they have yet to remove the lein on my home thus preventing my refinance in order to save my home. I have communicated with there attorney by fax and requested this be removed and copy the release to the VA to show the lein has been removed. As of this date XXXX/XXXX/2015 there has been no response to remove this lein. I would like the justice department to look into this practice of denial with records of this insurance on the statements from discover bank as well as securing this relieve of lein at once.If there is no response I would like the justice department to support this senior citizen as well as all who have been doused by this charge that is denied when requested.
An apartment complex that I was applying to uses CoreLogic to check the credit history of potential lessees. When I applied to the building, I was told that my application had been rejected due to an issue with my credit history. I immediately contacted CoreLogic to see what the exact issue was, and was told it had to do with a debt owed to a debt collector called XXXX XXXX. When I contacted XXXX XXXX myself, they told me that they had no record of such a debt, and that they had not provided information about a debt to any credit reporting agency. I obtained a letter from XXXX XXXX stating as such, and provided that letter to CoreLogic. CoreLogic has since deleted the false information from my record, however they will not tell me where they got the false information from in the first place, other than to tell me they got it from XXXX XXXX XXXX, a company whose " Contact Us '' page on its website links directly back to CoreLogic. I want to ensure that this false information does not exist in the records of any other company, however I can not do so if I do not know which other company to contact. I am also concerned with CoreLogic 's failure to reasonably ensure that the information it receives and disseminates is correct. While I understand that mistakes are made, it concerns me that CoreLogic had information supposedly from XXXX XXXX that XXXX XXXX knew absolutely nothing about. There should be some responsibility on CoreLogic to ensure that it is getting information from a reliable source before potentially damaging a consumer 's credit history.
I am a probate attorney, and I represent a widow whose husband died in  XXXX  of  XXXX . The widow received the decedent 's house as heir, and the house is now in her name. The house has a mortgage on it.     We have been trying to arrange for the lender, Chase Bank, to issue a form  XXXX  so that the widow, as owner of the house, can deduct the mortgage interest on her income tax returns. Chase Bank refuses to issue the Form  XXXX  to the IRS, which will cost the widow because she will not be able to deduct the interest payments. Chase Bank is trying to force the widow to refinance or assume the mortgage, both of which will cost fees she can not afford, and I do not think she will qualify for a new mortgage.     I have a letter dated  XXXX   XXXX ,  XXXX  which falsely quotes nonexistent IRS law defining a " qualified mortgage '' to exclude mortgages incurred by the decedent on a house inherited and owned by the widowed spouse. I checked the statute and the  Internal Revenue Code d oes NOT have any such restriction or definition! I have never encountered this treatment by any bank. Other banks are willing to change the Social Securit y Number t o the heir 's so the heir who gets a house can deduct the interest payments.     This is clearly a violation of the spirit of  XXXX   XXXX   XXXX   XXXX  which prohibits foreclosure on inherited houses as long as the heir continues to make the mortgage payments. Please let Chase Bank know their action is illegal and harmful to consumers. Thank you.
I received a letter today from ARA INC attempting to collect a debt on an old XXXX credit card that has been paid in full with another company. I do not owe this debt. I have been contacted by phone regarding this account before threatening to serve me with a complaint, and have explained that I have paid the debt in full and will file a complaint with consumer protection if they contact me again. Inevitably, I am contacted a few months later by a different company claiming I owe the same debt I have paid.
This company ( Ocwen ) wanted me to make monthly payment of {$530.00}. I paid from my bank account every 2 weeks with amount {$300.00}. They still tell me owed them? When I start my payment ; I set my bank account to made payment full amount of they want for this first month, and set my bank account to start pay as {$300.00} every 2 weeks. Total {$600.00} per month. When they told me I owed them ; I made the payment direct from my bank account ; paid them full amount they wanted for that month ; and split 2 payment of the next month start from middle of next month as one on XXXX or XXXX of the next month {$300.00} and {$300.00} at the end of next month. I did this as two three time. They still said I owed them and late payment? I call them to dress the problem ; they accuse and sometime they hanged up the phone.
What was supposed to be a quick, streamline re-fi process has turned into a 4 month nightmare with Wells Fargo and XXXX XXXX XXXX XXXX. I started my re-fi process with Wells Fargo in XXXX and it is now XXXX and they are still asking me to re-submit more documents for the third time! They have told me several times " You are conditionally approved and it is going to closing '' yet now four months later we are still no closer to closing, and they are again asking me to resubmit documents that " they ca n't find '', although they were submitted electronically Wow! Can there be that much incompetency in XXXX large lending corporation? After reading the complaints about Wells Fargo, I think there 's more to it and they are using stall tactics. I even contacted the Regional Vice President and once she found out that it was not a commercial loan but a residential loan, I have n't been contacted again. Wells Fargo needs to be investigated and monitored by a government agency immediately!
I have send several certified letters and filed several complaints regarding a late payment from fed loan that the credit bureau has continued to report on my credit report as a late payment. This allegations of late payment is XXXX of CERTIFICATED XXXX  PROOF of be adequately and fully COMPLIANT to all mandates and laws as related to my state, FCRA and XXXX XXXX data formatted reporting standards. You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its XXXX XXXX TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, & proven documented OWNERSHIP of mine or of proven documented RESPONSIBILITY of MINE. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite XXXX character XXXX statements and all of its trailing segments, the minimal XXXX portioned identifiers all XXXX pieces to confirmation to collect and every aspect of the alpha-/ numeric -/ and or alphanumeric sources codes. RETURN or return OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.
XXXX at XXXX XXXX apartment complex filed for eviction, placed the account for collection and filed a judgment against me in XX/XX/XXXX. In XX/XX/XXXX, I appeared in court to answer the charges and the case was dismissed with prejudice in my favor. Although the collection agency and credit bureaus honored the dismissal order and removed the collection account from all XXXX bureaus, unfortunately this case is still part of public record ; consequently, the rental application I submitted to XXXX XXXX XXXX in XXXX XXXX, CA 3 days ago was denied based on that public record. I then contacted 'On Site ' who does the credit and background investigations for XXXX XXXX and submitted the dismissal order as requested, but they are saying they can not update their report for this application or future ones because the case number on the public record does not match or appear on the dismissal order, however, all other identifying information is identical. I then contacted XXXX XXXX and was told to contact XXXX XXXX to have the item deleted, however, XXXX XXXX stated this item does not appear on their records, therefore, they can not assist with this matter either. It seems the only record of this is the case is the public record filing and everyone is saying it is not their responsibility to correct it. The debt was invalid from start which is why the case was dismissed with prejudice.
Exeter finance has continually misled to me and admitted their mistakes on a recorded line. They sold me a loan and lied to me how much interest I was paying and how it was accruing.In addition their collection activities have been harassing at work and they have not complied with Georgia rules and given me enough notice XXXX is my account number I have spoken with XXXX and XXXX at their company and they give a list of excuses. They stated and admitted they have made mistakes in their verbal conversations and are constantly not meeting compliance on my account on verbal recorded lines. I am requesting the interest rate I was advised by Exeter upon the receipt of the initial loan 19.71 percent is what I have and I am requesting it to be the 10 percent I was advised. They are sloppy in their training of employees and they are not advising me correct information as when my vehicle is for assignment and notices given. They have distorted truth and admitted to their mistakes verbally but have n't cured them. I was told it was an installment loan annual interest accrued. Instead they gave me an vehicle loan of interest calculating the loan. Their notices after making a payment were not compliant with Georgia on the XXXX day. I made a payment and was told verbally that would negate the notice. Now they are saying after given the money they do n't have to meet compliance. I was never explained the terms of my loan and now I am stuck with this interest rate. Exeter finance never explained the loan to me and has misled me since inception.
I graduated from my XXXX and XXXX program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX ). Afterwards, I was in financial hardship for a year until XX/XX/XXXX, but XXXX serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted XXXX in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XX/XX/XXXX and XXXX XXXX for XXXX for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with XXXX and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to XXXX in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX, my deferment ended in XX/XX/XXXX. But XXXX refuse to take actions to correct this issue.
Made a payment of {$500.00} through XXXX to an online sneaker store called XXXX XXXX XXXX around XX/XX/2018. Never received the product and found out it was a scam after several non responses via email and phone calls. After several attempts to get a refund from my bank, I received a letter stating that I made the payment and the bank wouldn't refund my money.
I pay {$700.00} to my USAA visa credit card on XX/XX/XXXX, and it is not reflecting on my credit score. They said every thirty days they report to the credit bureau but I still do not see it reflecting on my score its been over 30 days. The VA has given me an opportunity to get a house loan but wanted me to take care of this card to lower my balance on this card and my XXXX card, I did and I score dropped XXXX points. since XX/XX/XXXX 87 % of the time I have been paying regularly money coming from my account but my score never reflects. I am at a lost I do not know what to do. PLEASE HELP ME, I am trying to understand all this credit issues thank you, consumers struggle to make ends meet but we continue to drown because we do not understand the system.
I have had an issue with XXXX regarding a double charge XXXX for the sample flight. After numerous and multiple conversations, they promised they would take care of this issue. After years of speaking with them and repeating my issue, they did not provide me the required information. I have filed a claim in the past, case number XXXX. I was unable to get my phone recordings or get in touch with someone. 

That said, I have been contacted by XXXX ( employee ID : XXXX ), from Nationwide Credit Inc . I have been very responsive with him and requested I get written copies verifying who is he and his company is, as well as providing me with a form in the mail. Based on the last conversation, XXXX was the company who was contacting me, now it is a different company. 

It has been over two weeks since my last contact with Nationwide Credit Inc and still no letter. I am not clear who is responsible for this case anymore.
My son and his mother my ex wife filled out rental app for student housing with the XXXX XXXX XXXX and put my SS # by mistake all other info is my sons not mine.They have called the XXXX and Pro Collect as have I to explain this this is not my debt and I would like it remove from my Credit report
I have a XXXX mortgage with Select Portfolio Servicing XXXX Inc. XXXX " SPS '' ). I moved out of the mortgaged property, but still own it and continue to make payments on it. As soon as I moved out, SPS stopped sending me monthly statements. I have called SPS XXXX months in a row, and they have promised to fix the problem, but they still have n't sent me a statement since I moved out. I am up to date with my payments to SPS, but I am concerned about whether they are applying them like they should be. Without a written statement, I am unable to verify whether SPS is reducing my principal each month like they should be. I have provided SPS with my forwarding address, but that has not done any good. For the past few months, SPS has not sent statements to either the mortgaged property or to my new address.
M husband has been going to this practice for about two years. The staff and the office manager have reported t their collection agency teh wrong balance without providing them proof of the debt fully. On XX/XX/XXXX there was no calls nor correspondence in writing that we had an upcoming appointment with XXXX XXXX XXXX. our phone number had changed in XX/XX/XXXX. 
I tried to talk to the office manager several times and she was not willing and very agressive short of cussing me out. to correct the amount of the bill. I paid XXXX to the XXXX location office in XX/XX/XXXX. That is the only way that he could have been seen the last visit that I take care of the past due amount of XXXX. Mr. XXXX can not read nor write very well at all. I handle all of the financial matters. The office manager told the staff to hang up on me if I called. The charges of XXXX, XXXX, XXXX dollars are totally incorrect and according to the Fair Debt Collection Act are in dispute. 

Right now Mr. XXXX is very ill with onl XXXX XXXX XXXX XXXX. 
Again we had no written notice of an upcoming appointment. Within a ear anything can happen. They failed to put anything in writing to our postal address before this action.
To Whom It May Concern, I am writing this email to complain a misleading and discriminatory business practice by Capital One.I am in the process of getting a new credit card from Capital One ( https : //applynow.capitalone.com/? XXXX & XXXX ). 

At the first part of the card application, customers like me are required to indicate their citizenship status. To fill out my 2nd citizenship, XXXX ( where I originally came from ) is erroneously labelled as " XXXX, XXXX of XXXX. '' XXXX is neither a part of XXXX nor a province of XXXX. This is against U.S. policy about XXXX 's status. Capital One is violating the U.S. laws ; at the same time, forcing its customers to violate the laws. 

Because it is a pull-down menu, I will be forced to fill out erroneous information about citizens. I am coerced and under virtual duress to provide and confirm this erroneous information about my dual citizenship if I want to get a card from Capital One after completing the application. By doing this, Capital One is also discriminatory against customers from XXXX. XXXX applicants are forced to accept ( and under perjury with legal consequences ) if they select " XXXX, XXXX of XXXX. '' The information is also not true, thus they commit perjury as a result. This type of discriminatory business practice is equivalent to forcing XXXX citizens to select " XXXX '', XXXX applicants to select " XXXX '' or " XXXX '' in the same applications. 

I am writing this email to complain this illegal and discriminatory business practices that Capital One has done and request immediate changes to put XXXX as " XXXX '' only. 

Thanks for your consideration. 

XXXX XXXX
bill pd on time! XXXX reports-XXXX never late- other over 30 dys
ditech sent me an escrow shortage letter. they said they were going to increase my payment do to shortage. i sent them an escrow shortage letter for the amount they stated. they cashed my ck and still raised my payment.
On XXXX/XXXX/15 I recieved a loan from Radient Cash for {$700.00}. that was directly deposited in my checking account at XXXX.The loan is called a payday installment loan and is for 6 months.The payment for {$200.00} is automatically taken out of my account on the XXXX and the XXXX of every month. This is {$410.00} a month for six months comes to {$2400.00}. This is an interest rate of over 700 percent a year. They never brought that up to me. It gets worse, after looking over my bank statement XX/XX/XXXX I notice that they deposited {$700.00}. twice on XXXX/XXXX/15. Now I realize that I owe them {$1400.00}. After doing much research I discover that this is not leagal in NJ. Today is XXXX XXXX and I am up to date with all payments, but I 'm not able to do it any longer. Please, please help me rectify this horrible situation before it destroys me financially.
I was recently made aware of a derogatory account on my credit report from a XXXX bill with XXXX XXXX owed by my ex-wife. I sent XXXX XXXX supporting documentation that I had not lived at the service address since XXXX and that I had never received a bill for the amount in question. I also filed disputes with both Experian and XXXX to no avail. I contacted XXXX directly and did pay the amount due. XXXX refused to remove the item from my credit report. My unblemished credit report went down by XXXX points due to a debt that I was not aware of.
I have filed complaints previoisly with Wells fargo, but it seems to Call on deaf ears. I took Wells fargo to court 5 years ago with the prsiding judge XXXX of XXXX countycourt. The judge ruled in my favoriser. Wells fargo has not acted in favor of the judge decree. I have trid to work with Wells fargo to rectify the problem but they have no intention of rsolution. This is WhY i had to take them to. Court 5 years ago. They have a sale date of XX/XX/2018 and have repeatedly denied all loan modification temps. The have misapplied, many payements and i want this rsolved want them to stop the foreclosure shrifs sale and reste my issue, if not i will take them to court as i did 5 years agonisant my loan either paid off due to their lack of due diligence or at leaste reiinstate my loan back to it's original amont of XXXX
I have an account on my credit that were supposed to be deleted. XXXX was to be deleted on XX/XX/2015.
Recently reviewed credit file, noticed some inaccuracies listed. Disputed with all three credit reporting agencies. XXXX removed the credit item, Equifax did not. I sent them a copy of the investigation results showing the item was removed. Under the fcra the information is to be shared with all reporting agencies.