WillisBack/dataset-financial-user-claim huggingface dataset:
Quicken Loans. 
I was online looking at refinance rates and I filled in my name on their website, once I got to the following page where they wanted information from me to run my credit score I closed the window and didnt complete it. This was over a year ago and they have been doing hard inquiries on my credit 2-3 times a month ever since. 
Ive called them to stop but they keep asking me for important information that I dont want to give them and they simply refuse to do anything. On top of that I am bombarded with their sales calls which Im not sure how they got my number. There are thousands of stories about this when I search for it and I cant get them to delete me from their system even though I have no business with them whatsoever. 
I have had the credit companies remove some of the inquiries but I cant keep up with them. 

Quicken Loans Via XXXX XXXX New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX   XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX New Hard Inquiry TransUnion XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX Mor New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX Mor New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX  XX/XX/XXXXXX/XX/XXXX
I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from XXXX XXXX XXXX  which dropped my score. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.
My mortgage started in XX/XX/XXXX with Loancare LLC. In XX/XX/XXXX property tax disbursement was made in the amount of {$460.00} to the XXXX XXXX Sheriff Office ( Handles property taxes collection ) but it was made to the wrong persons parcel/tax ID number. After getting a Certified letter on XX/XX/XXXX from the Sheriff 's office stating my taxes haven't been paid all of this came to light. I had to get my closing attorney involved and my taxes were finally paid on XX/XX/XXXX in the amout of {$380.00}. Loancare sent me an escrow adjustment of my account without the benefit of crediting my escrow account back in that same amout of {$460.00} so my escrow account reflects both disbursement.
My response letter was untimely pursuant to FCRA 623 ( a ) ( 8 ) ( E ), which in accordance with FCRA 611 ( a ) ( 1 ) ( A ) would have required XXXX to report the results to me WITHIN 30 DAYS from the date of receipt of my notice which was XXXX XXXX, XXXX. XXXX response was mailed to me on XXXX/XXXX/XXXX, which is well outside of the XXXX requirement as prescribed in the following FCRA laws. It appears that XXXX received my second dispute notice on XXXX/XXXX/XXXX and attempted to respond to that by backdating it to XXXX/XXXX/XXXX in attempt to appear compliant with the law for the initial dispute. XXXX act of deception was still out of compliance because XXXX mailed it outside of the XXXX window for the first dispute, and XXXX committed fraud in the process. 
623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) SEE BELOW* within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section.
* 611. Procedure in case of disputed accuracy [ 15 U.S.C. 16 ( a ) Reinvestigations of Disputed Information ( 1 ) ReinvestigationRequired ( A ) In general. Subject to subsection ( f ), if the  completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Transunion reports a hard credit inquiry from XXXX on XXXX/XXXX/2015 I have never - ever - never- ever applied for credit from XXXX in my lifetime I am a XXXX customer and have been for 20 years, and I want this supposed inquiry deleted from my credit reporting. It is fraudulent, it never happened.
In the collection information section from an Equifax credit report completed on XXXX/XXXX/15 there is a medical balance to which I have no knowledge of where it came from or why it is there. Especially because I have not been hospitalized nor to the hospital in a few years.
for medical debt, I was given a summons and showed up in court. Their lawyer worked out a " deal '' with me where I could pay payments and if defaulted would have a judgement against me. I singed the paper and paid my payments. I have proof of payments. They still went back to court and claimed I stopped paying and got a judgement against me. I was not sent any paperwork to show up in court. I am filing something to get a judge to look at it again. I called and they admitted they " misapplied '' my payments but said it does n't stop their process. They are now garnishing me over twice the amount I agreed to pay in court. And I did n't break the agreement! They would n't work with me before it went to court at all. They wanted all or nothing and I could n't afford to pay it, so they took me to court. This is Credit Service Company inc. in XXXX XXXX, CO.
Equifax and XXXX show 2 items on my Credit Report that should have fallen off 7 years after the first delinquency ( ie right now ). They have not, and I have submited disputes, however Equifax will not allow me to view the progress of the dispute online. The 2 delinquent errors are not consistent across reports, and XXXX actually removed both of them already! This is confusing to creditors, say when I go to refinance my student loans, that they see different reports across all 3 bureaus, XXXX showing me in perfect credit, XXXX, showing me an issue or two, and Equifax showing me with two delinquencies. I have a credit rating of XXXX, but these items hold me back. I work hard to keep a good credit score, just look at my past 7 YEARS of activity. This is not fair to hold on to items, inconsistently.
The loan was sold. The servicer was XXXX XXXX, but they sold the loan. In the process I was not notified properly and payments to not make it to XXXX. Have disputed multiple times with no result. Loan payments were made immediately when this was brought to my attention.
XXXX XXXX sent notification that my account was closed XX/XX/ 2018. Since, they have acted fraudulently, lost payments, misapplied payments, and delayed the final payment of a XXXX insurance claim, and charged added interest during the process. The company actually owes me over 600.00 dollars, and continue to stall the process avoiding due payout. I have spoken endlessly with various " managers '', and have had to repeat facts which apparently are not actually responsibly documented. 
XXXX XXXX failed to act ethically, and made no bones about the excessive hours and iterations of the same problems without consideration for the corrupt records, or the future errors and effects that would have on my near perfect credit. I will never deal with this company again, the administration is confused and act irresponsibly with regards to client accounts. They can not be trusted. 
I would attach files, but the record of XXXX is too thick to manage in one PDF
I opened a Citigold checking account with Citibank when I saw a promotion offering XXXX of their rewards points upon opening the account and making two bill payments. After opening this account, I transferred some earnings from my personal business to this account and made the bill payments. I inquired with the Citibank support representatives as to when I should receive the rewards points, and was told that I should receive it 6-8 weeks after the closing of the following statements. 

I waited that time and still did not receive the rewards points. During this time I was hesitant to increase my reliance on Citi for my financial transactions due to their handling of this situation, and reverted to using my XXXX checking account for deposits and payments. I was told by a Citi representative that I could rest assured that I had fulfilled the requirements of the promotion. I did not receive news from Citi for months, and when checking the account again saw that they had charged me several hundred dollars in fees! My account had gone from having a balance to overdrafted by at least {$200.00}. This all happened without receiving a single statement in the mail or any news saying my checking account was overdrafted. I called immediately to protest the charges, and a representative reversed them. I again asked about the promotional points, and they said they would launch an investigation. That investigation ended with them saying something along the lines of " the promotion you used was invalid. '' Worse yet, when I tried to transfer the remaining balance to pay off a Citi credit card, their site would just return to the main account page with no explanation. When I called Citi support, I was told that my account had been SOLD to XXXX XXXX XXXX!! All without me knowing!! Now I have around {$150.00} " lost '' either with Citi and XXXX XXXX XXXX. They said they would transfer me to XXXX XXXX XXXX, but all the did was connect me to a voice automated line instead of directly to a XXXX XXXX XXXX representative who could assist me ( unlike what XXXX would do ). I went through the automated self-help line and entered my social to find my account, but it said it could find no account under that number. 

The end result of me responding to Citi 's promotional offer is being scammed out of the promotion, being charged fees, potentially being sent to collections because I was given no notification of an overdrafted account, and my account being sold without my consent or knowledge with no way to access that account!!
Company agreed to removed debt from XXXX and XXXX report on XX/XX/XXXX and XX/XX/2016. No longer responsible for debt agreed to remove
I recently received a Chase Amazon Visa card in the mail. I had not requested this. I contacted Chase Bank to have the account cancelled and the inquiry removed from my card. Chase was unable/unwilling to provide details on HOW the account was opened, but their fraud department indicated I would be contacted by an investigator shortly and the issue resolved within 30 days. It has been over a month, no contact has been received and the inquiry has not been removed from my credit. Furthermore, Chase still refuses to tell me how the account was opened in my name.
This is the XXXX complaint I am submitting against Embrace Home Loans. The XXXX complaint was Case Number : XXXX. I have not received my corrected XXXX on my Mortgage Interest from XX/XX/XXXX through XX/XX/XXXX and no monthly loan statements. The response from XXXX XXXX XXXX XXXX on behalf of Embrace Home Loans was worse than XXXX XXXX in that they have me with a XXXX mortgage. I have been requesting that the Resolution Department at XXXX XXXX XXXX XXXX review my proof of payments and resolve the balance dispute. Embrace Home Loans and XXXX XXXX 's Attorney XXXX verified receipts through XXXX XXXX, she did not give a balance on her report. I a current and paid through XXXX XXXX and Embrace Home Loans Mitigation Department not their Resolution Department has contacted a XXXX XXXX, Louisiana Attorney who sent me a Warning Foreclosure Letter. I have responded to that letter. Please see attached.
Several inquiries on my credit report which I did not authorize and/or recognize. Please remove these unauthorized credit inquiries immediately. 

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.
My loan is an XXXX loan. I was just told for the first time today XXXX/XXXX/16 that there is a guarantor XXXX that is keeping me from being able to do a cash modification because my income has been greatly reduced and I am currently on short term XXXX and I 'm not sure when/if I will be released to go back to work. I was shocked of this news and very upset that I had never been told of the guarantor b/c I have tried to get lower payments in the past and was turned down. I do not want these to go into default I 've exhausted all avenues and talked with many reps from Mohela all of my loans total XXXX monthly that 's for XXXX XXXX Loans and XXXX Cash loans. There was also a change on my credit report showing XXXX Mohela accounts were added and XXXX were removed which looks sketchy and of course nobody could tell me anything about. I can upload screen shots of it if needed for explanation.
On XX/XX/XXXX, XXXX imposed an annual fees of {$170.00} included GST {$11.00}.
I called XXXX customer services on XXXX/XXXX/XXXX at XXXX and spoke to an officer named XXXX XXXX , however, she refused to waive the annual fees. I requested to speak to senior manager. However, I did not get a call back within 48 hours as promised by XXXX. I received call from a lady manager named as XXXX. She reluctant to waive the full annual fees and offered me to pay half of the cost although I have been frequently used their XX/XX/XXXXXX/XX/XXXXat XX/XX/XXXX.. I felt very disappointed.
I received a hard inquiry on my credit report around the dates on XX/XX/2018-XX/XX/2018. I did not to my knowledge apply for anything that would warrant this enquiry. I would like more information on who performed enquiry and have it removed from my report. 

Thanks
Walmart offered 15 % discount on todays ' purchases if I opened a card, but after opening the card, Walmart withdrew their 15 % offer ( said that I will need to wait until I received the card to get the 15 % ), and when I asked to withdraw my application, my request was denied and Walmart processed my application. I received the card XXXX weeks later which I immediately closed. This is of concern only because it will be reflect on my credit report.
This excerpt from an email sent to LoanCare on XX/XX/XXXX sums up the situation : " This is re : my new mortgage payment amount. As I have provided documentation over 4 months ago showing that I am exempt from property tax, and as LoanCare has taken no action in all this time to adjust my mortgage payment but has dunned me to pay my previous payment of {$480.00}, I have found it necessary to take matters into my own hands. My annual property tax amortized monthly is approximately {$68.00}. As I am exempt from property tax this leaves {$420.00} which will be my new mortgage payment per month. Moreover, my exemption began on XX/XX/XXXX yet I paid the former mortgage payment that month. Thus, I have overpaid LoanCare {$68.00} which I will deduct from the payment for XX/XX/XXXX. Thus, on or about XX/XX/XXXX I will pay $ XXXX or {$350.00} which should correct my account. As my need to take this corrective action is a direct result of LoanCare 's unresponsiveness to my emails and phone call, I expect LoanCare to notify all credit agencies it reports to and ensure that my record shows I am in good standing. If attending to this situation is too difficult, demonstrated by LoanCare 's continuing  unresponsiveness to my account 's needs, perhaps the Better Business Bureau will be able to assist. 

In futile hopes of prompt attention, '' LoanCare responded to this email by continuing to dun me for payment that was not owed. I did file a complaint with the Better Business Bureau at which point LoanCare 's escrow department finally reevaluated my account, but the amount they claim my monthly payment should be is higher than I calculated and they claim I am over {$700.00} behind on my mortgage, which I am not. They continue to dun me for payment sending letters threatening me with foreclosure.
In XX/XX/XXXX, we refinanced our home with XXXX XXXX, they were closed, then we were transferred to GMAC, closed again by the feds, stuck with a very badbad mortgage, un-notarized, unsigned docs. Closing person came to my home not knowing nothing about the XXXX acct we were given, then we were sent astatement saying we were denied the loan because of my husband 's no credit. 
the APR was different on several docs, my name was not on the promissorynote, took my name completely off but was on the mortgage, split the XXXX. Wewere paying for insurance on the mortgage through monthly payments. We received the insurance policy through the mail. In XX/XX/XXXX, my husband died, the insurance company refused to pay the house off. Ocwen steps in and files foreclosure on my homewith false docs because I refuse to pay for what should have been paid offthrough the ins co. Ocwen does not own my property, how can they foreclosewith false docs? XXXX Superior Court I have sent letters to the judge, motions, proof of my complaints with this company, I have appeared in courton numerous times, the court or judges do not respond to the motions. XXXX Counties ' court system so corrupt to violate my rights as a citizen andconsumer? How can fraudulent papers by Ocwen get them a court date orSheriff Sale? What is going on?
XXXX  of  XXXX   XXXX  approved a modification plan over the phone after ten months of applying and reapplying telling me the paperwork had not all shown up by fax. Only giving me the option to send by fax. I paid  five  modification payments  XXXX   XXXX - XXXX   XXXX  then received a letter telling me my I was disqualified for false reasons. Here is an article telling my true story of the mod from  XXXX .  XXXX  :  XXXX  Here is an article I helped write about the mod scam.   XXXX   XXXX     XXXX  This lead to my pro se case due to I could not find an attorney that would help me. The pro se case lead to me losing in an  XXXX  and losing my ability to protect my home from criminals trying to steal my home.  XXXX  ignoring the letter of FDCPA and the federal judge ignoring the same letter and all my pleas of help. Blocking my due process. I continued to send more FDCPA letters, RESPA QWR 's Homeowners Rights letters. Cease and Desist letters, TILA notices that were ignored.  XXXX   XXXX  and SPS sent  XXXX  to file judicial foreclosure in a non judicial state to skirt around my letters. Now I am in the Supreme court of Washington asking for review by my petition through an attorney. Blocked from most of my case being claimed and only being allowed to state no standing due to no evidence at the start of the case. No authentic note undated one copy no endorsement a second copy undated with endorsement. This has caused us extreme cost and extreme stress that I am surprised has not killed me. The judges ignor hearsay evidence in the lower courts and accept false affidavits and false notes with false assignments taking away our due process to protect our home. The courts have become collection agencies for crooks with no proof of being the lender or having authority to collect the alleged debt after pulling a criminal act of modification fraud on us. We are in danger of losing our home of ov er thirty five ye ars to crooked criminals. By affidavits by crooked lying lawyers representing these crooks.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  has no proof the loan was deposited into the trust in  XXXX . Has not filed a copy of the PSA and claims to have actually committed securities fraud by an assignment to a REMIC seven years after the closing of a trust never finished or deposited to. The fraud assignment is in  XXXX .    XXXX
I did NOT authorize any inquiries that 's on my credit report. Any inquiries from  XXXX   2017 until now are NOT mine and need them removed from all credit reports Thank you
It is unfair that I should have to pay to freeze my credit report. I made no agreements with transunion to be included in their database. But the damage that may be caused to my life is substantial, if they approve credit to an identity thief. They already make money off of information about me I wish they did not have. It is unfair that I should have to pay them to protect myself from them.
Received an alert from credit monitoring service that inquire from Bank of America posted on my account XX/XX/2018. Contacted XXXX XXXX to notify that I did not apply for credit and inquiry is unauthorized. XXXX advised that I contact BOA to have inquiry deleted. Contacted BOA and was advised to contact XXXX to have deleted because they have not record of application on file. Contacted XXXX  to have inquiry deleted after explaining what was advised by BOA. XXXX indicated that they could not delete and I would have to contact BOA.
I opened a Rewards Money Market Savings Account with Bank of America. Upon opening the account, I was informed that a {$12.00} monthly charge existed unless certain conditions were met, including linking my savings account to a Bank of America Checking Account which I also have. I proceeded to follow the steps to link the accounts and confirmed on the Bank of America website that my accounts were linked. However, I noticed that my account was still being assessed the monthly maintenance fee. Upon calling Bank of America, I was informed by a customer service representative that the " linking '' of accounts occurs behind the scenes and is not customer initiated. I was informed that I had only " linked '' the accounts for overdraft protection, and despite the information on my account webpage stating that the accounts were linked, they were not linked for purposes of waiving the monthly maintenance fee. I was further informed that I could not see from the website whether or not my accounts were " linked '' for purposes of waiving the monthly fee. Please be aware of this misleading a deceptive practice by Bank of America. While it cost me a relatively small amount, there could be much greater effects for others.
XXXX XXXX XXXX XXXX  BOTH HAVE MERGED OUR TWO ACCOUNTS IN 1. 

XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX ARE MERGED TWO
Despite an account being closed for over a decade, Bank of America is reporting a CURRENT foreclosure for the month of XX/XX/XXXX on my credit reports at the XXXX, XXXX and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, the account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over ten years old and must be removed from my credit report.