WillisBack/dataset-financial-user-claim huggingface dataset:
Quicken Loans, particularly has been unresponsive since XXXX/XXXX/2015. I have been trying to call XXXX XXXX who is the representative assigned to me but every time I call him, it just goes straight to voicemail. He tries to call me back but it is always at a time that I am either working or unavailable. I believe Quicken Loans has failed to provide due diligence on my mortgage loan application to move forward with a property I am trying to purchase.
Hello, I would love this company to delete the following from my report XXXX XXXX and XXXX XXXX. These accounts are old and not mines.i cant get a bank account nor move forward with my life. I question the validating process with this company.
I could not get Speedy Cash to stop taking payments out of by bank account using my debit card. I called them, I wrote them. I tried to set up payments. I told my bank to not authorize any more payments. Did n't help. Finally I had to shut down all my accounts at my bank and go to another bank. 
I could not believe it when I when, at my new bank, Speedy Cash withdrew {$100.00}, the next day {$60.00}. 
I have no idea what that amount is for. I 'm disputing the charges Can you help me? 
Do I have any rights? 
So grateful for any help. 
XXXX XXXX
Complaint About : A Worldwide Corporation refused service 's offered to me that is offered to the general public which impact my constitutional rights and civil liberties. 
. 
Type of problem ; A Worldwide money transfer corporation refused to allow me to patronize their corporation to perform a money transfer from the United States of America abroad. This corporation stated they have the right to refuse service to individuals in the general public but are required to comply with legal and regulatory standards in countries they service ; their decision toward me XX/XX/XXXX violated my constitutional rights and civil liberties as an American Citizen ( please reference page _ attached ). 

What happened : On XX/XX/XXXX I attempted to patronize a worldwide money transfer fee service corporation and was refused service. Their call center stated a " COD '' had been placed on my account and I would need to contact their internal Global Consumer Reinstatement department via email. This department asked me to complete and return their Consumer Reinstatement Questainnare along with any necessary documents requested. On XX/XX/XXXX all of the proceeding was provided to this corporation. 

On XX/XX/XXXX I received an email from their employee named XXXX Op XXXX who stated all documents had been receive and tracking # XXXX had been assigned. Having been told it would be completed within ( 5 ) business days and having exceeded that time frame on XX/XX/XXXX I inquired via email a second time to that department and was informed by XXXX Op XXXX that they were working to solve my issue ( please reference documents enclosed ). 

On XX/XX/XXXX I received outcome from this department communication stating this corporation has the right to refuse service to anyone in the general public and based on their service terms and conditions they stood by their decision to see that I would continue to be refused service. 

What company is the complaint about - Western Union. 

People Involved : XXXX XXXX - Customer XXXX ( Op ID : XXXX ) XXXX ( OP ID : XXXX ) Pertinent Additional Information : I have been a Western Union Reward Point 's Member since XX/XX/XXXX ; my WU # is XXXX. 

From XX/XX/XXXX to present .I have acquired over XXXX reward points patronizing this corporation and have never had any problems. 

MTCN number 's of past use are listed below although some of the dates, transactions and dollar amounts vary which show my frequency patronizing this corporation. It was similiar to buying stamps at your local post office in using their service : 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
I have an account with Coinbase that I manage on my mobile phone. One time the phone got lost and I called in to lock the account. Then, after the phone was found, I am having a lot difficulties recovering my account and profile. It has been over 2 weeks since that happened and I can't get into my account and make any transactions. I contacted the company numerous times on this issue. Very frustrating since I missed a lot of opportunities with my funds. Please help me resolve this issue.
Initial call into XXXX XXXX XXXX in XX/XX/XXXX. Discussed I was on a consolidation plan to repay the credit card balance owed. I inquired about any late payments on my credit will being removed since I was a part of the consolidation program and making timely monthly payments. The associate at Capital One said yes, my late payments for 4 months will not show as late on my credit and will be shown as current and paid on time after I have paid for 4 consecutive months. She said they needed 4 months of consistent payments before they updated my credit report. I called again in XXXX and spoke with a representative/ manager on XX/XX/XXXX, she indicated they would listen to the recording and get back to me with the results of the call. As of today XX/XX/XXXX, I have not received a response or update to the matter. It was my understanding that the late payments for XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX would not show as late or have a negative impact on my credit but paid on time and current since they were in fact receiving timely payments. The Manager on XX/XX/XXXX said they received timely payments and she would listen to the recording and get back to me. Currently I have 4 late payments with Capital One even though they have received each payment timely each of those months. I would appreciate them correcting this on my credit report to remove the late payments and correct as paid and timely.
I would like to explain my situation to you. We, XXXX and XXXX XXXX were supposes to be foreclosure on our home on XXXX XXXX, 2015. The foreclosure did not materialized. I call the law company XXXX XXXX XXXX XXXX XXXX XXXX XXXX and told them. I Caliber Home Loan and told them. They sent me out a new bill on XXXX XXXX and I call a good company XXXX XXXX ) who was sent a proposal to Caliber. I did not know the illegally foreclosed on our home on XXXX XXXX and coupon for {$71000.00} payment amount was not due until XXXX XXXX. We did not receive a notice for the lawyer or anything. They did it under the table. My account number with Caliber was XXXX. I have all documentation. The loan was transferred to Caliber from XXXX who is still apart of Caliber. I hope you can help me get my house back. The people who purchased the home is XXXX XXXX, who was going to let me stay but claim his partner with not. The only number I have for them is XXXX. First name XXXX and do n't answer my phone call at all. My number is XXXX. I have leave my home soon. 
Thanks for the letter. 
Sincerely, XXXX XXXX
I called Transunion and XXXX because I 've been a victim of fraud. I have several inquiries on my reports, that I did not authorize. They were very rude on he phone. I was told that they could not remove them. Transunion gave me the run around. I 'm trying to keep my credit score from dropping and it seems as if they do n't care.
I Received my credit report showing a inquiry from XXXX XXXX XXXX from XX/XX/18 showing I applied for a credit card. 3 years ago, I was a victim of identity theft where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any credit cards and this Inquiry remark on my credit is causing many issues for me applying for a home which is affecting my score. The Inquiry is inaccurate, misleading, or incomplete, may have violated federal law.. I do not know how this company receive my info.
I have reached out to XXXX several times trying to get them to remove information that is inaccurate. 
Two times before they have verified information that is not mine.
I would like to submit a complaint about the credit bureau Equifax. I suspect either identity fraud or a mixed file case. On XX/XX/2018, I called Equifax ( XXXX ) with a question regarding an activity alert on my credit report, which was brought to my attention via email by Equifaxs credit security company TrustedID. 
The first person I spoke to asked me a multitude of security questions to confirm my identity. As the questions were never ending, I asked to speak to his supervisor. 

His supervisor, XXXX ( Employee ID # XXXX ), told me that their system showed my date of birth ( DOB ) was in XXXX on a different day and year than my actual DOB. She explained that a lender/creditor must have submitted the wrong DOB for me and that I should fax copies of my drivers license and birth certificate to Equifax, to correct the problem. In the environment ripe of hacking and fraudulent behavior, I do not feel safe faxing such sensitive materials, and I told XXXX this. Besides, I asked, how could Equifax have a 30-year credit history for me with the correct DOB and then suddenly decide to change my DOB in their records, without consulting me, because a lender/creditor submitted a different DOB. I asked to speak to her supervisor. 

Her supervisor, XXXX ( he would not give an ID # but said he is the only XXXX in the Office of Consumer Affairs at Equifax ), could not explain how Equifax could change my DOB without consulting with me and investigating why there was a different DOB introduced in my records. Neither XXXX nor XXXX would even tell me which lender/creditor sent Equifax the incorrect DOB. This is unacceptable, as I could have attempted to correct this error with the lender/creditor that purportedly sent Equifax the incorrect DOB for me. I asked if Equifax saw this as a red flag for some fraudulent behavior or a mixed file case. XXXX told me that he would not discuss this any further with me and that I could correct the DOB by faxing to Equifax copies of my drivers license and birth certificate and by contacting all my lender/creditors to make sure they had my correct DOB. It was not as if the wrong DOB submitted for me was off by one number, due to a typographical error. It was a completely different month, day and year. This is unacceptable and should not cause me to jump through a bunch of hoops, including sending personal data to Equifax, to attempt to correct Equifaxs error.
XXXX, Car loan ( XX/XX/2018 ) XXXX XXXX, Car Loan ( XX/XX/2018 ) XXXX of XXXX XXXX, Car Loan Letters were written to the creditors to have the inquiry removed because no loan was secured and no vehicle was purchased.
LVNV is a collection agency who is listed on my credit report. it claims to be a factoring company, however is also listed as a collection agency. The balance keeps changing. even though LVNV has been on my credit report since 2012 when it purchased the XXXX 's alleged debt, they are reporting as a 30 day late on my most recent credit report. 
The below is from a previous suit against LVNV. They are doing this same exact thing to me. 
#. Defendant violated 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as a " factoring company '' account. 

#. Defendant violated 15 USC 1692e ( 2 ) ( A ) by falsely reporting the legal status of the account as not in default. 

#. Defendant violated 15 USC 1692e ( by communicating credit information which is known or which should be known to be false, by reporting the account as a " factoring company '' account. 

#. Defendant violated 15 USC 1692e ( 10 ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the account as a " factoring company '' account. 

#. Defendant violated 15 USC 1692e ( 12 ) by alleging that the account was a " factoring company '' account resulting in the false representation or implication that accounts have been turned over to innocent purchasers for value. 

#. Defendant violated 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt by reporting the account as a " factoring company '' account to deceive current and potential creditors and to negatively impact Plaintiff 's credit scores
I am having difficulty paying my mortgage because my taxes and insurance are not escrowed. I contacted my mortgage servicer and told them I was not going to be able to pay the XX/XX/XXXX payment because I was paying my taxes of {$890.00} and my insurance of {$660.00}. I paid the taxes and the insurance last week. Now i received a letter stating they paid it too! We have never been late on paying our mortgage until now.I asked if I qualified for a HAMP and my servicer started the paperwork for my HAMP application. I sent my documents to them within 24 hours. Now they denied me and I just received a letter stating they paid my taxes, which I did not ask them to do, and that they paid it from my escrow account. I do n't have an escrow account with them, however, they took it upon themselves to create one! Now my mortgage payment is going to increase because of the escrow. I explained to them that the reason I am having difficulty is because I was diagnosed with an illness and that the medication, treatment, and therapy have used up my savings for the taxes and insurance. They refuse to lower my interest rate, currently it 's at 7.8 %, I have a good credit score. They claim they denied my HAMP application because my mortgage payment is less than XXXX % of my income. Currently the amount of my mortgage payment being applied to principal is only {$530.00} and the interest I am paying is {$520.00}, which to me is outrageous. I am struggling financially and trying to keep my head above water. I tred to get my home refinanced, however, because I have a XXXX lien for the XXXX Hardest Hit in the amount of {$38000.00}, I ca n't get refinanced because my home is still not worth the total amount owed.
On or aboutXX/XX/XXXX, we notice a Mortgage Lien on our Deed from Wachovia Bank in the amount of {$110000.00} that was n't our 's. We contact them to request a copy of all documents as proof of a completed Loan Application, Origination Documents, XXXX Application, Truth and Lending Documents that were signed by the property owners. 
We also asked for a copies of all payment received from us as Mortgage Payments. 
As of this date, all we have received from them if request for Account Number which we do n't have. They 're ( Wells Fargo formerly Wachovia Bank ) saying verbally there was no Mortgage with them. We brought this house inXX/XX/XXXX for {$92000.00} and we are trying to clear these small matter so we can retire.
I paid a company called XXXX in XXXX of XXXX the sum of XXXX, this came with a monthly service charge of XXXX on my XXXX XXXX. After a year they told me they were no longer accepting XXXX, I could only assume XXXX had a problem with chargebacks due to fraud. They then convinced me to give them my visa card. The only way to be successful would be to purchase the Platinum Package which was worthless. They charged my XXXX card for years convincing me I was going to make money.I spent a good part of my life in the service and was counting on this to supplement my retirement. To my dismay the XXXX XXXX XXXX that all this was charged on told me they would only go back 90 days.I talked to a girl called XXXX, who was not very helpful.I wanted to dispute them as services not rendered or merchandise not as described, which I have been told the time frame could be as much as 540 days.My visa has a total of XXXX from this company.I do not feel the XXXX people are correct. XXXX told me they would cancel my remaining 11 months.To me that tells me they know they are wrong.This merchant should refund me in full.They broke all the FTC rules.Not only did they break the law, they left me with no online business, in debt, and no ability to earn money.The bank says they can not help me but the merchant can take my moneyI am only asking XXXX XXXX XXXX to help me using their own rules and regulations.These at home business opportunity companies should not be allowed to operate a merchant account.
FRAUDULENT INQUIRES OCCURED ON MY CREDIT FILE FROM THREE COMPANIES. FIRST COMPANY IS XXXX XXXX. XXXX ( XXXX ) FRAUDULENT INQUIRES OCUURED ON MY CREDIT FILE ON XX/XX/XXXX AND XXXX ( XXXX ) TIMES ON XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX. 

" XXXX XXXX XXXX '' IS THE 2ND COMPANY THAT PULLED A FRAUDULENT INQUIRY ON MY REPORT ON XX/XX/XXXX. 

" CREDIT PLUS '' IS THE 3RD COMPANY THAT PULLED A FRAUDULENT INQUIRY ON MY REPORT ON XX/XX/XXXX.
A lady claiming to be named XXXX from Capital Management ( XXXX contacted an associate of mine claiming I had given them their name and phone # as a contact. 

I have never given this persons name and phone number to anyone and I have no idea who Capital Management is. 

I want these people to cease and desist harassing both me and my friends.
I have disputed two accounts on my credit report for inaccurate information which is killing my credit score. 
XXXX XXXX has 2 ( one for {$540.00} and the other for {$1200.00} ) which I have the bank statements to prove they were paid on time every time. Security Credit Serv now owns them and when i tried to prove to them and XXXX  and XXXX  with the proof, they deny it and leave it on my report saying I never paid. I have tried since XX/XX/2018 to get them removed but nothing. I feel I need an attorney to go after all of them for the issue.
I continue to ask XXXX to validate this debt. I 've never received a copy of the credit application for XXXX. I 've never had an individual XXXX account, I have a current joint account with my wife with XXXX.
On XX/XX/2018 I was contacted by someone representing Debt Solutions , Inc. out of Georgia. He was attempting to collect on an old Debt from XXXX XXXX. We reached a settlement agreement, and I paid the agreed upon amount in full. 

Upon payment, I did receive a Paid in Full letter - and thought that was that. Two weeks later on XX/XX/XXXX, the company charged my credit card AGAIN in the same amount as the Paid in Full agreement. 

I was sent an email saying it was being refunded. I contact the company for three days with no answer. Finally, the owner called me on Monday XX/XX/XXXX saying if I didn't see the refund by Wednesday to call. I called on Wednesday and he said if I didn't see the refund by Friday they would issue a check. 

Further research shows this companies website is only 80 days old. I have disputed both transactions with my bank as I now believe this was a completely fraudulent debt collector.
Portfolio Recovery Associates sued me in Colorado court without proper notice of a court date or verifying the credit card debt. They told me it was a valid debt and I had to pay. I ended up paying something like {$5000.00} to them since they garnished my wages and I just saw the CFPB article about Portfolio Recovery Associates illegal activities by XXXX so I want my {$5000.00} refunded.
I signed up for the Chase XXXX XXXX XXXX Credit Card in XX/XX/XXXX. One of the main marketing points for this card was the free anniversary night that would be rewarded on the one year anniversary of having the card. This free night was advertised that it would be good at any XXXX XXXX worldwide. 

Per their website : After your account anniversary date, youll receive an Anniversary Free Night at any of the over XXXX XXXX XXXX worldwide.1 Footnote There are no blackout dates and no restrictions. Look for your free night on your XXXX XXXX XXXX account. '' However, on XX/XX/XXXX I received a letter from Chase that the free anniversary night would be limited to properties under XXXX XXXX reward points starting XX/XX/XXXX. This has effectively removed over 300 properties from the program and made more hotel suspect to elimination from the program as XXXX has devalued their points/ increase rates at their hotels twice in the last year. 

I feel that Chase and XXXX have been fraudulent in their marketing practices to drive new signs ups for this card. They advertised an unrestricted free night after the first year and are now not delivering promised benefits to card holders that have signed up in the last year. I feel like they should be held accountable for this bait and switch tacit that has surely driven thousands of people to sign up for this card.
I apply for a loan online and for the amount of {$1700.00} ; but i called them back and i told them i did not need the loan any more ; and then i told them to please delete my information specially my social security but they said they had to leave my information on fil e for 7yrs. I tol d them i was not happy and i ask them over and over to delete my information and they declined to do so claiming it was a policy. Nevertheless at the time of my application i did not see that policy any were, regardless now they are stating that the federal and state laws require them to keep account information. I did not proceed with the loan process therefor I should not have an account. All I did was just apply and cancel before the process was finalized. In fact I did not even send the documents required. I strongly disagree with there need to keep my information for 7 years. I need some assistance in getting this resolved.. Thank you!
ATTORNEY FOR CAVALRY KEPT CALLING, SKIP TRACING AND SERVICING LAWSUIT TO WRONG PARTY IN VIOLATION OF TCPA AND FDCPA ETC.. 

DEBT OWNER IS ESTRANGED SISTER-IN-LAW.
This company continues to violate the XXXX  Finance Code by not providing a surety bond for nelnet or themselves. As such, I am seeking legal advise from XXXX XXXX XXXX XXXX to legally pursue this matter further. The finance code is very specific and both companies continue to violate it. 

This company has repeatedly failed to provided their right to lawfully collect in the state of XXXX. They are required to get a surety bond. No one had provided this which is required under the XXXX Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. XXXX  Finance Code 392.202 and 392.101 This company is headquartered in the state of XXXX. I am a XXXX resident. This company is fraudulent and illegally collecting in the state of Texas. I also do not show this credit bureau has a valid surety bond to collect in the state of XXXX. Nelnet hasn't produced info. 

I want this removed from my report immediately. I want the {$10000.00} fee paid for each day this continues to remain on my report per the code. 

I have failed a complaint with the XXXX Attorney General 's office. Attached is the complaint for both companies.