WillisBack/dataset-financial-user-claim huggingface dataset:
I applied to XXXX XXXX for their XXXX  XXXX XXXX XXXX. 
I received a reply from XXXX XXXX XXXX, XXXX XXXX, XXXX, DEXXXX " We have reviewed your application and dtermined that we are unable to approve you for a XXXX XXXX XXXX  credit card account for the following reason ( s ) : - Too few accounts with sufficient satisfactory performance " and, a later paragraph - " We also attempted to obtain your credit score from this consumer reporting agency for use in making our credit decision ''. and a later paragraph " Your credit score was not available because the consumer reporting agency may not have had enough information about your credit history to calculate a score. '' I have very little or zero credit history because I have hardly ever ( maybe never ) needed credit in the USA. I have lived most of my life abroad, and am a Permanent Resident of the USA. I am a citizen of excellent standing, no debts, no arrests, no criminal. I have accounts and debit cards at the XXXX XXXX XXXX, own my own company, make a good living, pay immediately for what I consume. 
Does this mean I must be penalized like a common criminal and not be allowed to hols an XXXX XXXX credit card? I need the credit card for my business as I travel constantly on XXXX XXXX
On XX/XX/XXXX I was contact by a woman via phone number XXXX stating that she was a legal representative for XXXX XXXX and that they were going to sue me for an bank account overdraft fees that I supposedly opened in XX/XX/XXXX. She wouldnt give me specifics other than the amount was {$1000.00} and that they was contacting me to get current address and phone number so they could file this suit. I stated to her I have never banked with XXXX XXXX and I had no knowledge of the debt. She said ok and then nothing. I thought I lost connection so I called back. I then got a gentleman stating that they could sue me. When I informed them that Ohios debt statue of limitations is 6 years and even if I did have this account they have no legal leg to stand on once again they hung up. They repeatedly call not only my personal cell phone but my family memebers trying to scare them into paying this so I dont go to jail. Im afraid they are going to get ahold of one of my elderly family memebers and they will pay it not knowing better. I wasnt given a name for the company and have been unable to find it on a reverse search on XXXX.
This is an old account. I made attempts to contact the collection agency to work out a payment plan which they did n't accept. I 've since received numerous calls. It has become uncomfortable and distracting taking these called while I 'm at work.
opened online suntrust account was approved for checking account as long as i went into a local branch and made cash opening deposit. THAT NEVER HAPPENED BECAUSE MY EMPLOYER had used a pay card for our checks and i continued to use pay card. well they were wrongfully charging a monthly fee for this account when i had not deposited initial required deposit or made any kind of withdrawl etc. never used it and now it is stoping me from opening a bank account becayse its comming up owing them hundreds of dollars on XXXX report
On XX/XX/2019 XXXX XXXX called my phone 5 times in less than 1 minute. 
1. XX/XX/XXXX, XXXX XXXX 2. XX/XX/XXXX, XXXX XXXX 3. XX/XX/XXXX, XXXX XXXX 4. XX/XX/XXXX, XXXX XXXX 5. XX/XX/XXXX, XXXX XXXX Then they start calling my husband phone. 
Before that day the calls was not as frequent, but sometimes XXXX times a day. 
The lady stated they sent out a letter without a letterhead, and as I explained to her who opens mail without a letterhead. She stated that's so no one would know I was in collections. I stated the XXXX   sends out mailing all the time with letterheads that's why I called the Department of Treasury to confirm it was true. That is a bad practice if you are truly collecting on a debt that was 90 days past due from XXXX send proper documentations. Not only are you put in collections, but the amount is {$6000.00} more than I owe. They said the Department of Treasury said they can charge me 30 % of my balance owed. So not only are you charging me {$6000.00} more than my balance, but when I call to discuss this matter with you the company can not tell me where the extra {$500.00} is because there 30 % fee is the {$6.00}, XXXX I make {$600.00} ( {$180.00} more than the original amount ) a month payments to pay.gov not the collection agency but I'm still being charged {$6.00}, XXXX ( collection agency fee ) for XXXX disaster loan. You want to pay your debt owed not 30 % of what you borrowed. You can't get loans because XXXX and Department of Treasury have put it in the credit bureau as collections. So now debt to credit ratio to high to borrow the money to pay them off. I just pray and move on but the constant phone calls have to STOP!, Because I'm making payments monthly.
My home was illegally and intentionally placed on a vacant and abandon list, by city employees who 've been out to get me for quite sometime now. Shortly thereafter, these same city employees falsified legal documents, forced entered my home 5x 's and fraudulently submitted the same documents to the electric and gas company and then DEMOLISHED my home right before my eyes. Ocwen the loan servicing company took No action, as they state the city NEVER contacted them about my home in thus violated DUE Process laws. Now Ocwen has denied me access to the website, in hopes that I stop making payments. They have also discontiued sending monthly mortgage payment statements. I believe this is an attempt to force me into foreclosure. I took a screen shot of the Denied access page when I logged into Ocwen Site to make payments, which I 've always done. Now since HUD has sent my complaint to the XXXX XXXX XXXX XXXX, I am blocked from having account access. I used an old statement to make this months mortgage payment, and sent it priority mail for proof! The city attorney who I believe is behind all this mess, is now the attorney investigating the HUD complaint. Ocwen and the City is working to ruin my credit because I 've filed complaints against them for fraud, waste and misappropriation of funds. I need Ocwen to open my account so that I can continue to make my monthly payments, without these many forms of on-going harassment, intimidation and criminal acts against me, until I am released from this debt in its entirety.
This a Notice of Default because Wells Fargo failed to respond Wells Fargo has failed to produce and respond to 5 ( Five ) Qualified Written Request and the Verified Affidavit from XXXX XXXX XXXX sent to them in 2016 regarding the issues that were found In the assignment that were sent through Consumer Financial Protection Bureau, XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, Office of Comptroller of the Currency, US Department of Justice and XXXX XXXX XXXX Furthermore, Wells Fargo has not adhered to the OCC Consent Order and has violated consumer protection laws.. Until the issues raised have been resolved indefinitely, XXXX, XXXX and XXXX XXXX and Wells Fargo, need to postponed and a cancel of the sale slated for XXXX XXXX, 2016. 
They are violating the Fair Debt Collections Practices Act I 'm enclosing the recorded Verified Affidavit from XXXX XXXX XXXX and Qualified Written Request.
When booking a flight with XXXX XXXX back in XX/XX/XXXX, I was offered a discount and travel miles if I applied for their CitiBank XXXX credit card, which I did. Typically, when this is done, an account is opened for approval and the travel charges are made to the card. This was not the case here. I was informed I would receive a card in the mail in 7-10 business days. I received an explanation of my benefits ( in one mailing ) and my pin number ( in another mailing ) but no card. When I called to inquire, they said nothing more than " the card was sent back. '' I asked them to instead send it to my work address if there seemed to be a problem, and they said they would have someone call me back to verify my identity for security reasons. I received no call back. Then, I called again, and was told they would re-mail the card. Nothing. I called again, and they said a manager would call me back. Nothing. Today, I called to close my card and they said they can't do it without verifying a text code that they sent to my cell phone, which I never received. I asked to elevate this to a manager, and they said no one was available, and somebody would call me back. I just want to close the [ expletive ] account. If these offshore phone banks are their idea on how to deal with customers, I want no part of this banking company and intend to do business elsewhere. However, I need to close my account and no one will help me. Please help! 

XXXX XXXX
Last year, 2014, I went through Quicken Loans for a mortgage and it was the worst decision I ever made! There are so many different departments that my loan went through, I ca n't remember all of them, however, in the one department, XXXX took my loan, changed the interest rate from 4.125 % to 4.255 % so I can bring less to closing. I did not agree or sign off on the new interest rate but XXXX took it upon himself to change my rate and lock it in. I told XXXX to change it back and he could n't nor could his supervisor. I did n't know that I could refuse the loan at the time. I have an FHA Loan. 
They also " Guesstimated '' on my property/school taxes, which are public records. I 'm having a hard time paying my mortgage and bills. I would have never purchased this house and now from being behind on everything, my credit score dropped considerably that I 'm unable to get approved for another loan so I can purchase an affordable home and sell this one. 
I 've applied for a loan modification through Quicken Loans and they lost my husband 's pay stubs. They tried to say that I did n't send them but I have copies of what I sent them originally. This is also not the first time that they have lost my documents. I 'm tired of producing and reproducing information. 
Quicken Loans is the worst company out there and they 're awful to try and deal with. Some people are nice but for the most part they are just plain ignorant! One person told me that my credit score is more important than my mother who was in the hospital at the time with XXXX problems .... 
I would never recommend Quicken Loans to anyone and I 'm telling everyone about what they did to me.
Experian Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX -1 XXXX XXXX XXXX -2 XXXX XXXX XXXX -3 XXXX  Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
My mom is the original owner of the house since XX/XX/XXXX. In XX/XX/XXXX my mother and I obtained a new loans from XXXX XXXX XXXX and the tile company that close the loan no longer in business and the mortgage company is not in business. The service company was Ocwen servicing. We started paying the loan for serval years when asking the service company about the deeds of the property no response. Mother stop making payments for the loan for one month due to financial issues and the Ocwen didnt want to receive any more money from her. I tried to refinance the loan because I could not. InXX/XX/XXXXXXXX filed for possession of the property with a copy of the deeds of trust not with the original document. At that I could not find any other information about the mortgage. The deeds was not registered in my name after tens years. I never received any information from XXXX about the mortgage. The property is located in XXXX Maryland XXXX XXXX XXXX XXXX Maryland XXXX. I need help with my house. I paid a lawyer more than {$10000.00} I dont have any other money. Please call if any other issues XXXX
I am currently disputing debts that are allegedly owed on my credit reports. I have sent numerous letters to the collector to validate other alleged debts - which they have not been able to validate and now they have added another older debt onto my report for {$620.00} opened on XX/XX/2018. I have also looked up this original creditor and I have never lived or been to XXXX XXXX, Nevada. Ever since I have asked for validation from this collector they are arbitrarily and viciously adding more debts without my knowledge that the debt even existed without sending me proper notices for validation. I have been sending these letters of validation and they have failed to validate that any of these alleged debts are mine without proper proof. Furthermore, these debts are outside of the statute of limitations. I will also be filing complaints with the XXXX and the Texas Attorney General 's Office today.
In XXXX of XXXX, I contacted Quicken Loans to inquire about a home loan to purchase a home for my family to live in Indiana. I was working with an individual names XXXX XXXX from Quicken Loans. During the process, I honestly disclosed to them that I had filed bankruptcy in XXXX of XXXX, and the Bankruptcy was discharged in XXXX of XXXX. 
XXXX XXXX stated that that should not matter, and that I was approved for a home loan. Weeks later, after I had my hopes up about being able to buy a house, XXXX contacted me, and stated that he now could not be able to approve me for a loan, because the bank that owned the loan on the house had not yet completed the foreclosure as indicated in the bankruptcy. XXXX stated that he would be able to approve me in a year, and to re-contact Quicken Loans in XXXX to re-start the loan process. 
I re-contacted Quicken Loans on XXXX/XXXX/XXXX, and have been speaking with XXXX XXXX from Quicken Loans. I explained to them what I was told by XXXX XXXX XXXX. Quicken loans is now stating that they will not be able to approve me for a loan, despite me being told by XXXX of their associated that they would be able to approve me. XXXX XXXX XXXX XXXX works for Quicken Loans, and when he tells a consumer something, he is speaking on behalf of Quicken Loans. It is illegal for a company to tell consumers something that they can not or or not willing to follow through with. I would like for someone to look into this, and hold Quicken Loans responsible to follow through with what their associated stated.
My reason for reaching out to you is in hopes that someone can possible help our situation. Our client has been paying a trial period in a timely matter to your client beginning XXXX XXXX. The approval required for XXXX trial payments in which she did, and has continued to do so for 5 months now. Seterus advised us after the XXXX payment that the file was being reviewed and that the final modification documents should be generated and set out before the end of the month ; this was in XXXX. For 2 long ongoing months we have been trying to retain these final modification documents which we know are very time sensitive. The lender suggest that due to coding on the file the final modification documents have to first be sent XXXX and that then someone in their office was to send the documents to the client. Please not, that the borrower does NOT have any legal representation which has been stressed to the lender for months and have been accompanied by letters of explanations and so on. 

Now, if we go back just a little to the beginning of the borrower 's trial, once she was approved it took us two months to retain the borrower 's trial period documentation XXXX because the lender just simply refused to submit the documents themselves directly to the client whether it be through email, fax, or regular mail. The borrower paid her trial payments like we instructed her to do so but the client never had the proper paperwork to reflect the actual approval. Like it 's stated above ; it nearly took us two months to retain the trial documents. Now fast forward XX/XX/XXXX ; 5 months into her trial period, the borrower has not yet been successful in retaining her final modification documents. If you can please look into this matter. The borrower is in active foreclosure and we would really hate to lose the modification simply for a lack of communication from the lender Seterus ; and their legal adviser XXXX
I have been disputing hard inquiries on my credit with TransUnion Credit Bureau for the past 3 months I have filed electronically and called and talk to a live agent. The live agent removed the inquiries but they have recently returened XX/XX/XXXX. They were previously removed XX/XX/XXXX/XX/XX/XXXX and put back on my credit report again. I check my credit monthly and I know they were removed XX/XX/XXXX/XX/XX/XXXX I know that TransUnion removed them because of a computer glitch or error in which effected my account and I was never notified. Listed are the inquiries disputed, removed, and added ack on to my report currently. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XX/XX/XXXX
I have been trying to work with Wells Fargo for over 4 years now on a loan modification. I finally hired the XXXX XXXX XXXX and they submitted the loan modification package on XXXX XXXX, 2015. On XXXX XXXX, 2015 they received an email from Wells Fargo asking for additional documents which were submitted to Wells Fargo by the XXXX XXXX XXXX on that same day. The XXXX XXXX XXXX has been calling Wells Fargo for the past two days trying to get information on whether my package will be placed into review for a loan modification and if the trustee sale will be placed on hold. It is currently scheduled for Tuesday, XXXX XXXX, 2015. Wells Fargo will not give them any information and keep giving them the run around. According to the trustee the sale is still active and set for XXXX XXXX, 2015 at XXXX. I do not want to lose my home. I also believe that this is a violation of the California Homeowner Bill of Rights.
They agreed to accept XXXX on a XXXX debt to settle, I paid it and now they say I did not. This was over 7 years ago and I do not have records to prove myself. They call five times everyday, they will not send me any paper work. My credit is ruined because of this XXXX little illegitimate debt that was already paid. They have wrecked my life ... ...
I tried to call Experian to temporarily lift the freeze on my credit but the automated voice asked for a PIN number that I did not have. I did submit my social security number and other info it asked for. When I could not give my PIN number there was no way to speak to a live person or continue the process. So, how can I get my credit freeze lifted?
I recently found some unauthorized charges on my Wells Fargo Visa card. The XXXX separate charges totaling {$290.00} were made on XXXX I notified Wells Fargo by calling XXXX on XXXX which is when I noticed the charges. I reported the unauthorized charges as fraud. At this point in time the funds have not been credited to my account.
I bought an XXXX  and data service on XX/XX/2017 from XXXX XXXX XXXX store located in XXXX XXXX ( XXXX XXXX XXXX XXXX - XXXX XXXXXXXX, XXXX XXXX, XXXX  XXXX ) On XX/XX/2017, I took the XXXX back to an XXXX XXXX XXXX store near my house for return ( XXXX XXXX XXXX, XXXX, XXXX  XXXX ). They said, since I bought the XXXX in XXXX XXXX, I will have to take it to the same store for return. I explained today is the last day for return for which the attendant said she'll make a note on my account saying I visited an XXXX XXXX XXXX store within 14 days for return eligibility. 

Next day, I took the XXXX  back to the XXXX XXXX XXXX store at XXXX XXXX for return. I explained them the situation and said I am willing buy this XXXX for full price if the return is not allowed. They said its ok to return and took my XXXX  after charging a restocking fee of {$45.00} ( I still have this receipt where there is a line item for cancellation of installment plan ). 

I started getting calls from a collection agency saying I owe XXXX XXXX XXXX {$740.00}. I told them I don't have the XXXX anymore and how can they ask me to pay for an XXXX  they already took from me. 

I went back to the XXXX XXXX XXXX store located in XXXX XXXX ( XXXX XXXX XXXX XXXX - XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX ) and asked them why they are asking money for XXXX  that I already returned. The person in the store called XXXX XXXX XXXX customer care while I was there, spoke for an hour and said its fixed and I don't owe money to XXXX XXXX XXXX. 

After 3-4 months I again started getting calls from another collection agency for the same amout ( DIVERSIFIED CONSULTNTS XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX ). I explained to them the entire story. However now I have a collection record in my credit report. 

I have attached both the receipts from XXXX XXXX XXXX ( 1 for the initial sale and 1 for the return )
Hi I am BOMBARDED by calls from XXXX XXXX XXXX XXXX - I finally called back and only said I had a loan and my first name. They immediately confirmed they were working with the XXXX XXXX XXXX and they could help. I asked for their online website where I could verify them. The guy said have a good day and HUNG up on me. So this IS phishing as I suspected and theyre relentlessly dialing. I have numerous phone numbers I can associate to this scam.
Dear XXXX : On XXXX/XXXX/XXXX, I purchased a timeshare with the associated account # : XXXX. 
Due to a variety of factors related to misrepresentation, fraud and breach of contract I have chose to file a complaint through the Consumer Financial Protection Bureau. 
Please be advised that this matter is under investigation at the federal level through the complaint I filed with the Federal Trade Commission dated XXXX/XXXX/XXXX in order to resolve the issues pertaining to my sales experience with your company. My next course of action is to file complaints through the XXXX subjective to the state where the contract was signed, the state in which I reside, and the state in which your company operates. 
To resolve the problem, I am requesting general release from my timeshare ownership. Enclosed are copies of my records concerning this purchase. 
I am fully aware of the rescission period related to my contract ; fortunately that issuance within my contract is not relative to the fact my rights were violated at the point of sale. 
The following statements were issued to the Federal Trade Commission and now to the Consumer Financial Protection Bureau. Please be aware of each aspect of concern related to my cancellation request. 

1. The timeshare presentation was supposed to be 90 minutes ; I ended up being there for more than 5 hours. 
2. I was told that if I left the presentation that I would not get the same deal. 
3. I expressed multiple times to the sales rep that I could not afford the timeshare. 
4. I was told that I could sell the timeshare and sell it for a profit. 
5. The cancellation process of the timeshare was not explained to me. 
6. There was not a notary during the document signing ; the documents were taken to another room to be notarized. 
7. I was not aware of my rights for cancellation on this timeshare/contract. I never was explained the process and my rights to cancellation. 
8. They did not explain the documents that I was signing ; I was led to believe that I did not have to read the documents. The sales rep said " Do n't worry, just sign. '' I look forward to your reply and a resolution to my problem. Please contact me via direct mail at the above address.