WillisBack/dataset-financial-user-claim huggingface dataset:
ON XX/XX/2018 I WENT INTO XXXX XXXX XXXX TO TRY TO PURCHASE AN CAR. I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CREDIT WAS RAN EIGHT TTIMES. I WAS APPROVED THROUGH CXXXX XXXX BUT THREE LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIME WITHOUT MY CONSENT. THIS HAS DAMAGED MU CREDIT SCORE SOME MORE.
I was never informed of my debt though it had been on my credit report for apparently XXXX years. When I XXXX contacted the collections agency they lied and said that they tried to contact me several times. They only contacted my ex husband, who I am NOT in contact with. To contact me then they could have asked my ex for my number, not expected him to contact me instead, in a manor of doing their jobs for them. I can provide XXXX years of phone bills to prove this if need be.
The money ( XXXX $ ) I paid to mortgage company XXXX ( CalAtlantic ) disappeared during my mortgage transition to the other mortgage company ( XXXX XXXX ). 
The XXXX ( CalAtlantic mortgage company ) erased my two regular payments and extra XXXX from the payment balance and marked it as " MissaplicationReversal ''. I have not received those money back. 
The CalAtlantic refused to provide explanations.

I also asked investigation initiation by my bank ( XXXX ). 
I requested investigation by XXXX XXXX ( new mortgage company that bought my mortgage from CalAtlantic ). They have not been able to provide explanations for 1.5 month. 
I claim that my money have been stolen by CalAtlantic mortgage.
Since XX/XX/XXXX, I Have Been Banking At This Bank And Have Turn Down for A {$3000.00} Loan. Today XXXX XX/XX/XXXX, I Went To Check On The Fees That They Take Out Every Month At {$12.00} Which Came Out To Be {$260.00}. - {$18.00} They Only Gave Me Back. Now When The Bank Changed Every Thing And Gave Up With This Account It Was Said That If I Use My Card XXXX Times A Month NO FEES Would Come Out Of My Account. But That Was Not True.WELLS FARGO BANK
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WI ( XXXX ) advertises 0 % interest on 4 monthly payments. However, when the order is placed they then say there is a {$9.00} charge for the XXXX installment, and a {$4.00} charge for each of the remaining XXXX installments ( totaling {$24.00} ), making a effective interest rate of between 1 % and 5 % depending on order size, etc. This is NOT disclosed on the page where the product is ordered ( page XXXX ) but on page XXXX in small print at the bottom of the page. There is no asterisk on page XXXX telling the consumer to go to page XXXX to read the details. This is totally misleading and deceptive.
Capital One/XXXX is reporting derogatory and inaccurate information on my XXXX and XXXX Credit Report. This credit item was listed on my Chapter XXXX Bankruptcy filing dated XXXX/XXXX/2013 and discharged. Please see attached filing.
I recently obtained a copy of my credit report from XXXX report. It indicated that ( 3 ) credit inquiries were made by your company. However, only one was authorized by me the ( 2 ) other inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries, and have them removed from my credit report.
Borrowed {$130000.00}, from J.P. Morgan Chase at 6.75 % and charged {$180000.00} in interest over 30 year loan.
On XXXX XXXX, I received an email from Kohl 's, alerting me that my contact email address had been changed. There was a contact number where I could call if this was not a request I had initiated. I called, but what followed was over two hours of phone trees, endless hold times, and conversations to others who ultimately insisted I ignore it and that everything was fine. At one point, the gentleman who answered the call ( in another department ) could n't even verify that the address had been changed. 

I finally got to someone who informed me that a {$45.00} charge had been placed against my card, which I most definitely did not initiate, and it became evident to me that my account had been hacked and my privacy & identity had been compromised ( this was after the conversation with the man who had actually advised that I ignore the situation altogether ). Yet again, I tried to call -- this time their Fraud department -- but yet again, nobody was answering calls. I was unable to log in to the account online to dispute the charge, since my email address had been changed, so I had no options with respect to that, either. 

I was quite flustered, so I went up to an actual store location to simply close the card, in order to keep the fraudulent charges from coming in. Incredibly, at the store location itself, I was informed that I 'd have to call the corporate office to do so, which boggles my mind -- the account can be opened at the store, so why ca n't it be closed there, as well? 

At the end of this entire 3 hour fiasco, which now included a trip to a physical location, I have finally been able to successfully close my card, but I still have n't been able to contact anyone about the fraudulent charge, nor do I have any idea how many other fraudulent charges may be forthcoming, nor do I know the extent to which this possible case of identity theft has been extended.
1. I used PayPal to make a purchase fr om  XXXX   XXXX .    2.   XXXX   XXXX  placed a {$1.00} hold on my checking account through PayPal for the purchase.    3.  PayPal actually debited my checking account for {$1.00} instead of placing the hold.   4. I complained to PayPal.    5.  PayPal said they would refund the {$1.00}.   6. PayPal changed their minds and refused to refund me the {$1.00}.   7. PayPal has also cancelled my billing agreement with  XXXX   XXXX , denying me from using PayPal when making  XXXX   XXXX  purchases.    8.  See the attached complete file I have attached on this matter for all details.
A review of my credit report has identified a public record dated XXXX/XXXX/XXXX, Judgment ( XXXX XXXX XXXX XXXX XXXX, Case XXXX ). This public record is a civil judgment regarding a bad debt to a credit card issuer. While the original trade-line has been deleted and replaced with the judgment, the original Date of First Delinquency was XXXX XXXX. Based on the information in my credit file, it is due to be deleted in XXXX.
IN THE COUNTY COURT IN & FOR XXXX COUNTY, FLORIDA , COUNTY CIVIL DIVISION XXXX XXXX XXXX XXXX XXXX Case No. : XXXX vs. Division : XXXX XXXX XXXX NOTICE TO SERVICER XXXX XXXX XXXX XXXX. 
ORDER TO RELEASE MORTGAGE NOTE # XXXX Ref. : XXXX XXXX XXXX XXXX Acc # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX as supposed Power Attorney of XXXX XXXX XXXXXXXX XXXX is hereby order to release Mortgage Note XXXX XXXX MIN # XXXX, Mortgage Account XXXX. XXXX XXXX XXXX falsely claimed interest as Note holder for XXXX XXXX XXXX as Trustee, base in XX/XX/XXXX Mortgage Assignment, recorded by XXXX XXXX that it has been automalically VOID by NOTICE OF CONTEST OF LIEN instrument, See XXXX County Official XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. 

Legal Action THIRD ( 3rd ) ATTEMPT OF WRONG FORECLOSURE on behalf of XXXX XXXX  XXXX XXXX XXXX shall be dismissed. Attached pertaining information of NOTICE OF CONTEST OF LIEN of your VOID Mortgage Assignment. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX DATE : XX/XX/XXXX
Please see attachment. I am accused of a serious delinquency. I ask for WHAT and PROOF. I DENY any serious delinquency.
Last year I was contacted by several companies about an online business opportunity. XXXX of the companies that called me was XXXX XXXX XXXX. XXXX XXXX contacted me by telephone and I paid them {$10000.00} for a business entity set-up, tax consultant, tax preparation service for life, business credit development and credit account manager. After paying them for these services they set up a XXXX corporation ( I live in XXXX ) and I have disappeared. I have not been able to get in touch with them since. I have left numerous messages and they never return my calls. I now realize that this was most likely part of an online business scam and I am reaching out to your organization for help having Discover dispute these charges using claims and defenses. This company has not provided their services I purchased and I want my money refunded to me.
On XX/XX/XXXX, I received an alert from my ID Credit Monitoring that a company by the name of XXXX   XXXX made an inquiry on my credit report without my prior oral or express consent. This unauthorized inquiry lowered my Equifax credit score. On XX/XX/XXXX, I filed a dispute with Equifax. On XX/XX/XXXX, Equifax sent a resolution of the dispute confirming that there is nothing that they can do. On XX/XX/XXXX, I spoke with an Equifax representative who told me that she could not do anything about the unauthorized inquiry.
I have been trying to apply for a pay as you earn payment plan since XX/XX/XXXX. Every time I have applied multiple times and have been told over the phone several time that everything is correct and it will take time to process. It 's now XX/XX/XXXX, the paperwork I resubmitted in XX/XX/XXXX that I was told was there and correct has some how disappeared and I 'm being told I have to resubmit my application and pay stubs for about the 5 time. This has been with my fedloans.
I revived a call from HFS PreTrial Services Division. THey stated that a debt from XXXX XXXX in 2009 was needed to be collected. She then stated that not paying this debt would result them forwarding my case and having me arrested. I asked if I would be arrested by her, and she stated no, " but not paying this today would result me being held on a {$5000.00} cash bond and serving jail time. '' I then asked if I could call her back and she refused. She stated it has to be taken care of now, and saying that she implied she was denying me the right of validating my debt. She then went saying that her client felt that I committed check fraud, and by not paying back my debt was not helping me out. She still refused to allow me to contact her later. I spoke to her supervisor and the reviewed the tapes. The supervisor stated she did nothing wrong, because she said she would not take me to jail. I fell like as a consumer my rights were completely violated.
Checking my Credit report information during the last weekend of the year, I 'm found that appears, XXXX XXXX diferents address in my personal information. that information is Wrong and XXXX. 
My only reliable and thrust permanent address since more than XXXX years, its the Next : XXXX, XXXX XXXX NY XXXX. 
The other XXXX address that appear in my Credit bureau, could be a fraud or intent of stolen identity. 
Please feel free to contact me.
Portfolio Recovery is deliberately reaging debts, violating FCRA 623 ( a ) ( 5 ). I have not opened any new accounts in years and they are reporting an open date on several  accounts on XX/XX/XXXX. I have made several attempts and disputes to get this resolved to no avail. No account has gone delinquent or open on XX/XX/XXXX for me, they are restarting a debt clock. My last payment to XXXX XXXX was XX/XX/XXXX.
I submitted a dispute to Trans Union requesting the deletion of XXXX tax liens on my Trans Union Credit Report. On X/XX/17 I received a notice from Trans Union that they have confirmed the tax liens as verified and would not be deleting from my report.
The liens in question do not have all the necessary data verification points as now required by the National Consumer Assistance Program as it does not have my DOB and the SS # is incomplete. These should be removed immediately.
Regarding : Regions Bank and XXXX XXXX XXXX Home LoansTo whom it may Concern ; We first listed our home at the previous address listed above in XXXX of XXXX. We had it listed with XXXX XXXX 's for over a year at multiple different prices and we unable to sell it. We then tried " For Sale by Owner '' and their broker, XXXX XXXX 's ; again at multiple different prices and again to no prevail we were unable to sell it. 
We then listed our home with XXXX XXXX and had it listed for a " short sale ''. Originally we listed our home for {$370000.00} back in XXXX of XXXX ... .over the years we had continued to lower the price to {$210000.00}, well below what we owed on our combined mortgages with the XXXX banks of Regions and XXXX XXXX. ( We continued to lower the price XXXX % every two weeks until we got an offer that we can submit to the Banks. ) To give you some history on why we were trying to sell our home. We moved to XXXX XXXX, ( between XXXX XXXX and XXXX ) in XXXX of XXXX. This move was based on the company I was working for at the time decided to relocate their corporate offices to XXXX XXXX. This timing happened to be at the peak of the housing market when price were inflated. I later changed jobs and with the new company I have had to work from home and travel since our company was based in XXXX. This new company wanted me to relocate to XXXX but we were unable to because we were n't able to sell our home. During XX/XX/XXXX my company decided to sell and I would be losing my job. This finally happened in XXXX of XXXX and I became unemployed. Our monthly bills went up due to the cost of living in XXXX and with unemployment rates high and jobs hard to find in XXXX I started looking for a job anywhere. I got lucky and found a job in XXXX XXXX. Making well less than what I was making previously, but a job is a job in today 's world ... .. 
We had tried everything possible to sell our home. I have talked to both the Banks ' Loss Mitigation Departments and they would not work with us until we were delinquent 90 days on our payments. Additionally they would not advise us on our repayment options ( since we were current on our payments and not past due ) or whether they will accept or deny any offer we may receive. 
We talked to several Rental agencies in the area but our combined monthly mortgages are well over the average rental prices for the area. 
In XX/XX/XXXX we were forced to relocate our family XXXX states away for a new job and had no option except to " short sale '' the property. We have left the home unoccupied as of XXXX XXXX to relocate. 
Finally on XXXX/XXXX/XXXX the home sold. Attached are the final HUD-1 statements that both Regions Bank and XXXX XXXX XXXX agreed to. Also attached are the Court orders dated XXXX/XXXX/XXXX from the Circuit Court for XXXX County, XXXX, stating the Banks voluntarily dismissed their Foreclosure process. 
Based on this evidence that home was Sold and did not go into Foreclosure we request that our Credit Reports, Score and standing be updated to reflect this. 

Thank you for your time in the matter .... 
XXXX and XXXX XXXX
XX/XX/XXXX or XX/XX/XXXX our mortgage loan which resided with XXXX ( XXXX ) was sold to Gregory Funding ( XXXX ). Since then, we seem to have one problem or another with this company. First they were charging us incorrectly and it was n't until speaking with them at least twice did it get corrected. For the past 8 months or so they keep calling us and sending us letters that our mortgage payment is late every month. The issue is that we have it set up for auto billing which automatically debits our account. We speak with them every month, tell them its on auto payment, then we do n't hear from them until the next month. This is getting really annoying and I am afraid that they are at some point going to report this to the credit companies. ( The also did not respond to our flood insurance on a timely basis which made our premium increase. This has since been corrected through a call I made to my insurance agent. )
On XX/XX/2018 I tried to pay for goods and services from XXXX XXXX XXXX. XXXX. I bought 2 suits, tried to pay with a check and it refused the check. I had more than sufficient funds in it. Then I tried to pay with a second checking account ( that also had plenty of money in it ) and that was also refused by : CERTEGY... 

I was totally embarrassed and humiliated. Everyone at the counter was looking at me like I was a thief. I was a cop for over 20 yrs...

Their call back number did nothing, and the computer generated voice activation system, kept messing up my account # when I called. 

This company has 590 complaints on the Consumer Affairs website, and is rated at one star out of 5. Totally incompetent.. Please fine them and yank their permits to operate as a legitimate business. 

Where do I go to get my reputation back at the store??? 

cont.. 

I would like an apology from the CEO - XXXX XXXX XXXX in writing to myself and the employees at XXXX XXXX - XXXX XXXX mens suit dept. who worked on XX/XX/2018. The check was for {$530.00}. They had to run two checks, and one CC ( finally accepted ) and take the time to re-check out the items I purchased and caused a back up in the line, and people giving me dirty looks like I did something wrong. 

I would like the same from Certegy 's CC VP - XXXX XXXX XXXX XXXX, because it is his division. And no one answers the phones to correct this at XXXXXXXX XXXX  on a Sat. afternoon. If credit is granted XXXX ; the company ought to have people available to correct their mistakes. 

Certegy should probably pick up half the tab that day. I mean really. You see it all the time in stores where people just stick in a CC and the store accepts it. Sign names like XXXX XXXX and post it to the internet. Even when people hand over a drivers lic. clerks rarely look at the picture. In the old days people were questioned about their documents, but not anymore. Big business and banks are always right, and to speak up about anything they hide behind rules, and automated systems that are not human to correct. 

Maybe Certegy should be promoted and put in charge of the USA 's nuclear missiles. I'm sure they'd do a great job. " Mr. President this is Certegy a finance company who assists the Dept. of Defense with approvals. Your launch codes have been declined! Please go on line if you have anything to say about this. We are open from Mon-Fri normal business hours. On Monday when we open someone from a foreign country may assist you. '' " Also, please have your routing numbers, DOB, drivers license, bank account numbers available as you will be asked for this information before we authorize a launch ''.
I had not  XXXX , but  XXXX  accounts with  XXXX .  XXXX  a personal and  XXXX  a business account. Both accounts went into default  (  {$730.00} personal and {$1200.00} business ) and eventually they combined the accounts and sold them. I 'm not disputing the validity of the debts, I 'm disputing the validity of the number of accounts in which the business account should not be on my personal credit. I signed the agreement using my EIN and therefore need the bills separated to know which is being reported correctly.
In XX/XX/2018 I signed on to Experian to get my annual credit report. They billed me {$8.00} for my credit score. What I didn't realize at the time is that they also sneakily signed me up for credit monitoring at a whopping {$24.00} per month. I did not need this since I have already been forced to subscribe to XXXX due to the Experian breach last year. I immediately contacted Experian when I discovered this but they refused to fully refund the charges to my credit card. This is theft! This is fraud! Please don't let these credit reporting agencies take advantage of us consumers. This is the second time Experian has done this to me.
I was going into forbearance in XX/XX/2014 when my XXXX account was sold to XXXX. XXXX busted my account into 8 different accounts. While XXXX was setting up my account in the first couple of months I was trying to get the forbearance through them started. In the interim they charged me with 3 months of late payments. That I have disputed with them and they deny it. 

Secondly and the most harmful to me is that they not only have hit my credit report with late payments for those months but multiply that by 8.  Yes, for each individual loan under the one XXXX account, XXXX reported a late payment for 8 sub-accounts for 3months for a total of 24 missed payments. This has destroyed my credit. I have complained to all credit reporting agencies and XXXX. Result was XXXX told them their reporting was accurate and my credit reports show that I disputed and disagree with the results. The 24 missed payments stand. Not fair reporting, in my opinion. At the most it should be 3 missed payments, not 24. And really, there shouldn't be any missed payments since my forbearance was in transition from XXXX to XXXX. Not my fault!!! Please help me.
I have a mortgage loan with Amerisave Mortgage corporation on my house. They collect taxes and home owners insurance money with my payment as escrow. This XXXX 2017 I changed my insurance company and the bill is directly send to mortgage company for payment. They mailed the payment to some wrong address and the insurance company is going to cancel my coverage. I contacted the mortgage company via phone, email and fax and they are not responding to my inquiries so far. I send them the correct information where the payment should be send. But they are not responding to any of my inquiries. 

I want them to contact the insurance company directly and solve this issue before it is too late. Also I want this company to contact their customer once an inquiry such as this made, instead of going through these type complaints. 

All the relevant information on the loan / insurance are in the attached documents.
Paypal/ XXXX, signed me up for paypal credit when I wanted to use my credit card. They claim its my default ; however, that day I added my card and tried to use it. I did not put my social in or anything. I happened to look on ebay and it stated thanks for using paypal credit.
I received a document from the Law Office of XXXX XXXX XXXX, XXXX. ( Debt Collector ) ( XXXX XXXX XXXX XXXX, Georgia XXXX ) notifying I owed had a balance of {$2300.00} from previous apartment complex I lived in The XXXX XXXX. I have tried to contacting the the company un multiple occasions and have not been able to talk to anyone. I did have a lease at this apt complex which ended in XX/XX/2016. At the time I gave my 30 day notice turned in my keys and processed all the paper work necessary with them as you do when you move out. I did not not have a reminder balance, owed any rent money or bills to apartment complex. I was also never notified or was reached by apartment complex after moving that there was something I owe. After receiving this letter from the tax collector I Contacted the apt complex office and they said they had nothing on file saying I owed any type type of money to them. They mention they did have a change in administration and staff so they couldn't really help me out. At this point I dont know what to do, I do not owe this amount of money, Im not sure if this is some type of fraud or what actions I should take, I also would not want this affect my credit score.