WillisBack/dataset-financial-user-claim huggingface dataset:
We have been dealing with quicken Loans for the past 90 days and had a terrible experience. Back in XXXX we started the process to transition our construction loan. They told us they need XXXX 45 days. Our originally closing date was XXXX XXXX. We were going back and forth. Every week since XXXX we were told we would be closing within the week every time we called them. Never were told if any issues. Finally in the middle of XXXX after My husband had called them every day we were told about an issue with XXXX of our construction loans being unsecured. I spoke with the bank that handle our construction loan and we had that small loan changed to a personal loan so we could get our mortgage closed. It was costing us {$33.00} a day in interest and all we wanted to do was close because we were told we would be closed by XXXX originally. We continued on for several weeks almost every Monday we were told we would be closing by that Friday or Saturday. One week ago I was very frustrated and posted a comment on XXXX about how it had been 80 days and it is unexceptable. My husband and I have good credit, good income and they told us it would be a quick and easy process. We had people from the corporate calling us that Saturday trying to get the loan straightened out.Monday we had a XXXX call us telling us we were getting {$5000.00} credit and {$500.00} back in cash because how quickens handled the loan. Thursday morning The vice president of the bank we have our construction loan through and my husband XXXX way quickens because of all the miscommunications and delays. The interest rate expired several times throughout the process and i asked everytime because the interest rate expired we should get a better rate because this was not our fault and they kept giving me the same interest rate saying there was nothing they could do and they tacked on several fees i would have put more documents in the upload section but quicken loans deleted several of them they were trying to charge us XXXX for the appraisel wich is unheard of a long with several other fees but they have been removed i 'm sure they still have documentation of this.The vice president of this bank really stood up for us and told them how unorganized this process has been. After they all disconnected the call quickens called my husband and told him they could not continue because our construction loan expired XXXX XXXX. Quickens has known it was expired for two months. Now we are paying {$6100.00} in interest fees to extend our construction loan and met with an attorney about recouping our losses.
I had a balance discharged on my XXXX XXXX XXXX account back in XX/XX/XXXX and I filed taxes on it and both the mortgage and the XXXX mortgage should be reporting a zero balance. XXXX XXXX XXXX continued to report a balance on my XXXX mortgage till I disputed it with the credit bureaus and it was updated to zero in XXXX. Much to my surprise this month XX/XX/XXXX, Equifax sent me a new report showing the balance being re-reported. I have disputed this multiple times and submitted documentation to the bureaus and XXXX XXXX XXXX showing the error and apparently to no avail. I need this updated to report correctly as soon as possible as I am trying to purchase a home and this is stopping me from doing that.
In XXXX, XXXX XXXX XXXX purchased a bad debt from XXXX./XXXX-XXXX, originally opened in XX/XX/XXXX. At the time, they sent a letter which I can include as evidence, that they had purchased this account. I explained to them and provided them with evidence that this had been paid in full per a settlement agreement from XXXX, which allowed them to deduct {$65.00} per month from my banking account. They deducted this and never credited my account with one payment. In fact, they collected well over the {$270.00} amount they had offered to settle for if I made payments. They actually collected {$450.00} before I realized they were still collecting. They never credited my account or paid it back. But the debt was paid in full at that point. 

When XXXX XXXX XXXX purchased the debt, I sent them copies of the bank drafts proving they had deducted the funds. I sent them a copy of the settlement letter and even the man 's name who created the agreement over the phone. They acted as if I'd never contacted them and they have ignored me the same way ever since. 

I have disputed this charge, the date of inception and continually, neither the credit reporting agencies or XXXX XXXX XXXX do a thing. I'm fed up with this. 

I have a previous lawsuit with this disreputable company where I won as part of a larger suit for their fraudulent practices. At this point, I'm disgusted with the way they are treating me.
Made purchases on XX/XX/XXXX for {$150.00} and XX/XX/XXXX for {$300.00} with my debit card on Coinbase. Transactions posted and went through. On XX/XX/XXXX the same amounts were charged again without my authorization and posted ( they are not pending ). Hundreds of other people have been having the same problem and no one can get in touch with Coinbase support.
XXXX will not remove these inquiries from my credit report that i did not authorize, i have contacted them several times with no help at all. XXXX XXXX-XX/XX/XXXX and XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX- XXXX XXXX, XXXX and 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 XXXXXXXX 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
XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX  Equifax, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. The only address that is correct is XXXX XXXX XXXX XXXX FL XXXX. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX  FL for court located at XXXX XXXX XXXX XXXX XXXX FL XXXX at XXXX XXXX  onXX/XX/XXXX
I had service with att for home and wireless service on combine billing, my home bill part was approx XXXX per month and my wireless varied between XXXX and XXXX a month. After a while I had the home phone service canceled because I was not using and was not under contract for that. I kept wireless until XXXX of 2013 and then I canceled service and went with another provider. I received a final bill from att for XXXX which I paid in full. A few months later I check my credit report and there 's a collection on there for XXXX. I called att and they could not find where I owed them anything or where it was in collections. So I disputed with credit bureaus and they removed it. The collection agency then sold the collection agency to another agency and it showed back up on my credit report, so I dispute again and it 's removed again. So now it 's sold again and some company if systems has it on my credit report again and the bureau will not take it off this time. I have asked for disclosure of this collection and why I owe it and have not received it. I have no idea of how I owe this or where the amount came from.
I have paid my boat loan in full and Santander Consumer and It 's been several months and I have not received the title for my boat, motor, and trailer. I called Santander and they claim that they mailed it, but that is a lie. I have been checking my mailbox daily and I have not received anything. They are asking that I get a lien release or duplicate title at my own expense by going to " XXXX '' which is not even affiliated with them. I tried obtaining the lien release at that website and could not get it done. There is no phone number listed on that webpage so I can speak with someone either.
I have numerous inquiries on my credit report that I never authorized. I paid for Experian membership and can’t review my credit report. The inquiries are from companies i have not seek credit from. Experian refuses to take identity thief seriously. It’s bad enough they have let a collection agency stay on my credit report without really investigating. After the collection agency deleted the account several times Experian will not delete XXXX XXXX XXXX from my credit report. Inquiries are popping up on my credit report and i don’t understand why and who is doing it.
Please consider this a formal notice and complaint for the harm caused by Equifax, XXXX and XXXX  on my file. I have discussed with a credit reporting attorney and he has clarified to me that all 3 credit reporting agencies have failed to follow the compliance requirements of the Metro-2 format. I am writing this because I have attached a letter that describes the non-compliance that is evidenced by the 3 credit reporting agencies.

AND PLEASE UNDERSTAND THAT I AM ON XXXX AND HAVE A HARD TIME PURSUING THIS!!!!! 

I HAVE CONTACTED A SPECIALIST AND I AM FILING THIS ON MY BEHALF. I DO NOT WANT ANY STALL TACTICS PERIOD!!!
i deposited a check from my sisters school and they put a hold on it like nornal but a few days later they just closed my account i provided with the proof they asked me for and still closed it messing up my direct deposits i had just done and my checks just cashed into the account causing financial hardship and the worst the way they made me feeli worst than a delinquent.
making payment on time til job loss. making partial payment with agree ment of company every month, company repo vehicle without notice and the vehicle went to unknown location. repo was on XXXX/XXXX/2016. 
also please site for harrassing phone calls two and three times a day at least six days a week, sometimes XXXX right behind the other.
XXXX referred by New York XXXX to file complaint in re arbitrary failure to provide reasonable Chase Mortgage account # XXXX loan modification relief in violation of Settlement agreement, Consumer Protection provisions etc. Please review this matter and advise. My email is XXXXXXXXXXXX
On XXXX XXXX I called Central Credit Services LLC to negotiate a debt settlement. The representative and I reached an agreement, of {$1200.00} dollars, and I would pay {$30.00} on XXXX XXXX, pay {$600.00} on XXXX XXXX and {$630.00} on XXXX XXXX. On XXXX XXXX my mother threw me out of the house for reasons that are still unclear, but could be related to XXXX. I notified Central Credit Services LLC, specifically XXXX XXXX of my situation and that I could no longer fulfill the terms of the agreement because of the need to find a residence. XXXX XXXX called me on XXXX XXXX and I called her back to confirm my cancellation and the money would n't be pulled from my account. I wanted to talk to a manager to confirm, then the manager did n't give his name, and harassed me in several ways. 
He said to me that " it sounds like I have the money but I do n't want to pay ''. I do n't have an apartment, and I am sleeping on the couch and sometimes the floor, of a relative, an apartment needs to be the first priority. Why this was a means to a conflict is the XXXX. I told him that I was willing to pay, but that I needed a month to get back on my feet, so cancel the payment in XX/XX/XXXX and move it to XX/XX/XXXX. He was unwilling to do this and told me if I did n't pay I would owe {$1800.00} which is the wrong amount because of the {$30.00} dollar payment. Also he said that he would report me, as refusing to pay. I am not unwilling to pay, but I need a grace period all of my clothes are in my trunk, I am sleeping on the couch or the floor of relatives, I need to secure an apartment. He also cited XXXX legal advice that states my mother ca n't through me out because she did n't give me 30 days notice, I do n't own the property nor do I share it, nor was I paying rent, and I am not a minor, so yes she can. He completely throughout the conversation dismissed my circumstance as trivial.
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of XX/XX/XXXX through XX/XX/XXXX. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
On XXXX/XXXX/15, I submitted a complaint letter to Suntrust Bank concerning incorrect information provided by XXXX as my credit data for consideration of a credit card offered by Suntrust. On XXXX/XXXX/15, I sent a letter to XXXX concerning the same above mentioned issue : reporting erroneous credit data on my behalf. I have attached copy of the letters mailed to both companies. To date, neither business has responded to my letters. Therefore, I am requesting your assistance with this matter. I am demanding a response to my inquiry from each business. I have attached a copy of the letters submitted to both SunTrust and XXXX. I also intend to file a complaint on those organizations with the respective XXXX and the Federal Trade Commission ( FTC ). 

Thank you.
Fear Consumer Financial Protection Bureau, I live in Florida, and due to the XXXX disaster I applied to FEMA help. There i was told to call my mortgage company ( OCWEN ) to request few months forbearance at not cost added to the end back of the loan, since this is a Federal Law. I called Ocwen on XXXX XXXX 2017 and asked, they told me that they could give me 3 months without payments and then start paying those 3 months in the amount of {$5700.00} divided by 6 in the following six months plus my regular payments. I asked them why they where charging me {$5700.00} for 3 months if my regular payments are {$1300.00} and this multiply by 3 will be XXXX. They said that was the offer. So I escalate this issue to different managers and after 2 days of fight they said it was a mistake. 

Now I called on XXXX XXXX, I kept asking for 3 months added to the back of the loan ( the minimum the law says, I understand it could be up to 12 months ) and they said they do not have that offer. I told them this is a Federal law, finally they said that they are not saying they will not follow the law but that this option is not available now is under discussion ... 

I appreciate your help because i have been trying my best to deal with them, but instead of helping they are trying to take advantage. I just need some time to get back on my feed, considering i also have to pay my house taxes. 

I appreciate your help in advance. 

XXXX XXXX OCWEN Loan Servicing, LLC Account Number XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX agents ID : XXXX XXXX / XXXX XXXX / among others My email address is : XXXXXXXXXXXX
Following a fraud investigation, my account was restored to a good standing. Received new cards in the mail ; however, the account was closed already. CapitalOne advised that the account was closed due to my request. I did not request this closure, I have NOT received the credit balance of over {$1300.00}, AND I wanted this account ( assuming the account number had been changed ) to remain open and active as I had discussed with the company representative on XX/XX/XXXX However, the closure of this account now places me any my family in an very disstressful situation that causes undue stress to continue to victimize the victims that have already spent the last year trying to overcome.
XXXX XXXX, 2017, I received an email message that there had been an expenditure on my closed credit card account. When I telephoned the company to report the theft, I was phished for information that included my account password. I refused to divulge it and the operator would not investigate the problem or transfer me to the security people. The credited card issuer is Wells Fargo. I had closed the account last year. Apparently, Wells Fargo is encouraging illegal activities among its staff again.
I note that there was a collection on my credit report which I do not recognize. Here is the info of this collection agency : CREDENCE RESOURCE MANAGEMENT # XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX
Navy Federal credit union has had my account Frozen since XX/XX/2017. I  have tried to resolve the issue with them directly but I have gotten nowhere with them. I am so frustrated. It has taken this long and NFCU will not resolve the matter and they give me no answers.
I went in to Bank of America to open a account. I was told by the branch manager that my name and social security number was showing up XXXX. I was then giving a phone number XXXX to call. I call the number and the person answering the other line, searched the information I 've giving them. An I was told my name and social was not XXXX, but on the Branch Managers computer inside of Bank of America was stating I was not able to open a bank account. The Branch Manager and the person XXXX spoke on the phone to one another and at the end of their conversation. I was still not allow to open account.
I was concerned about the latest security breach that Equifax had and I checked my report and noticed that there were a lot of credit inquiries that I did n't recognize prior to the breach and a couple afterwards. I contacted Equifax on XXXX/XXXX/XXXX to investigate and remove these inquiries and Equifax apparently did n't think my credit file was n't important enough to investigate my concerns. I received a letter back within a few days stating that the inquiries are actual and factual data. Basically, Equifax is telling me to go kick rocks. I called a couple of the companies and their phone numbers goes to nowhere, so this displays to me that there was n't an investigation done. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Equifax is clearly violating my rights as a consumer and I want to issue resolved immediately.
The issues I have with Equifax and XXXX is that they failed to properly investigate an account that is on my file ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Department of ED, XXXX XXXX XXXX ). I was told by a representative that they do not have to follow the law and had no resolution to these fraudulent accounts. I asked for copies of the documents they used to verify these fraudulent accounts but to no avail. They refuse to obey the law.
Name of Financial Institution against whom I am filing this complaint : Regions Bank, XXXX XXXX XXXX, XXXX XXXX, FL XXXX Names of Regions Bank employees against whom I am filing this complaint : XXXX XXXX, Mortgage Loan Originator, Vice President ( M : XXXX ; W : XXXX, XXXXXXXXXXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX, Regions Mortgage ( W : XXXX, M : XXXX, XXXXXXXXXXXX ) On XXXX XXXX, 2016, I requested XXXX XXXX XXXX refund my credit card the {$420.00} for the Regions appraisal fee that was PREMATURELY ordered by Regions Bank XXXX Prior to the appraisal, XXXX XXXX assured me that the appraisal for a property I was pursuing would not be performed UNTIL the home inspection was performed and any necessary repairs resolved by contract between me and the seller. I also informed XXXX XXXX that I would not be moving forward with Regions Bank for my mortgage financing. 
Nearly ( 6 ) weeks have passed with very little or no communication from XXXX XXXX regarding my request for reimbursement, even though via email XXXX XXXX stated it was being processed and that he would check on the status of my request. Furthermore, ( 2 ) weeks ago I escalated my request to XXXX XXXX 's boss XXXX XXXX, but with no resolution, communication or reimbursement to date. 
Therefore, as a next step to get this matter resolved, and my money reimbursed, I am submitting my complaint to the Consumer Financial Protection Bureau. 
Thank you for your assistance!
An expired magazine subscription from 2years ago, through XXXX, was re-subscribed without authorization and charges put on a credit card used at that time. The order was canceled and the credit card account closed after finding out the charges were put on the card, but credit card company still says we owe them for the charges. Many attempts have been made to credit card company and the subscription company about situation, even filed complaint with New York atty. gen., but haven't heard back from atty. gen. Last notice via mail from credit card company still shows we " owe '' them money, from charges made by the magazine subscription company through XXXX, that were not authorized. Magazine company essentially committing identity theft. Credit card company is adding late fees.
experian has not investigated my claim referencing the investigation in to  XXXX    XXXX    allegation of my account being deliquent!
I previous ply advised the collection agency that I am not allowed to receive personal calls at work. I never gave them my work number for that reason. The collection agency somehow found my work number and still contacted me there even though I had previously advised them it was against company policy to receive those types of calls at my workplace.
Someone stole my personal information and identity and applied for a payday loan with Cash Central. The account with Cash Central is a fraudulent account and do not belong to me.
I was shocked when I reviewed my credit report and found inaccurate items. 

Creditor : XXXX XXXX XXXX ACCt # : XXXX I do not have a debt with XXXX XXXX XXXX and have tried repeatedly to get them to answer me to verify how they determined that this debt is mine. I have never had a debt with them and I am unable to get this item off of my credit report.