WillisBack/dataset-financial-user-claim huggingface dataset:
My daughter recently tried to help us move and get a mortgage through Quicken Loans.. She was at my home and on the phone with them.. My wife was also in the room. I was busy playing with my grand kids and on the computer when this conversation was taking place.. I got alerted when I heard some personal info being shared. I immediately took notice and informed my daughter that whatever she was working on or with whom, to not let them run a credit inquiry on my behalf. I am in the midst of rebuilding my credit and did not need this at this time.. Too late. The Quicken loans representative informed me that he had spousal permission to authorize the inquiry.. I do n't understand that this is legal.. My daughter had been in conversation with my wife at the time and told my daughter it was ok to run a report.. However I did not authorize this action.. Is spousal consent legal?? I have contacted Quicken Loans and disputed this but to no avail. They tell me this is legal.. I feel very angry as I do n't think this is a good business practice.. Whom does it benefit? They did n't write the loan, my credit suffers and they walk away.. I thought Quicken Loans would do the right thing and remove this inquiry as they clearly stated they can hear me in the conversation strongly urging them to not pull my report. Quicken Loans absolutely wants to do nothing to help me the consumer. they told me to come back when my score was better.. They hurt my score by an unfair tactic.. Why would I ever want to do business with such a company! Again I never authorized this inquiry and our family is busy as others and I think Quicken loans was being very deceitful in the process of talking to my daughter.. I thought they would do the right thing when they pulled the tapes, but they refuse to do the right thing and let me the consumer suffer.. Please people do not allow your family to do business with Quicken Loans!!
ERC placed {$67.00} collection on my credit report. I have disputed this through all three credit bureaus without success. I do not owe this account and no proof was given to me. I do not even know what this account is.
I contacted the credit reporting agency Torres Credit Service out of XXXX, PA that the only derogatory mark on my credit comes from. It 's a charge of {$140.00} from many years ago and I wanted to pay it off. When I called the company and gave my information they have no records of an account or my owing anything to them. I was going to pay it off to help my credit score but now there 's no way to pay it off if they do n't have any records so I would like to get it removed from my report.
I have reported theft by someone at Wells Fargo and news reports confirm Wells Fargo admits stealing millions after I made my report. This agency claims Wells Fargo has responded. Wells Fargo has bought advertisement and made the evening news but they have NOT responded to me. 

Reporting to this agency has done nothing. This appears to be a method our government uses to steal from us. People getting paid to do nothing while banks steal from the poor.
Virtual Currency ( BTC ) was sold for US Dollars ( USD ) using XXXX/Coinbase. Two separate bank wires for {$10000.00} ( USD ) each were requested ( 1. XX/XX/XXXX at XXXX PDT Reference #  XXXX 2. XX/XX/XXXX at XXXX PDT Reference # XXXX ) from XXXX/Coinbase to XXXX XXXX XXXX . Wires were supposed to arrive within 1 business day. Wires have still yet to arrive. Contacted Coinbase and submitted a ticket on XX/XX/XXXX ( XXXX # : XXXX ). Received no response until I again emailed them regarding the ticket on XX/XX/XXXX. Received Response on XX/XX/XXXX saying everything should be resolved now. Neither the wires have been received nor has my XXXX/Coinbase account been refunded. Problem is still not resolved. Tried to contact XXXX/Coinbase again on XX/XX/XXXX. Have received no response.
Received a call from Tx stating I owed on XXXX vehicles that has my license number attached ( Florida license ) which I have never lived in Florida or have a Florida license. Stating they have sent me letters to last address and current address which we have not received. Said I bought a vehicle in 2005 and was repossed by household bank. I have never had a vehicle repossessed nor have I ever heard of XXXX bank. They are saying there is an affidavit in my county and they will garnishee my wages. I am scared to death. They have the last XXXX of my Ssn.
On XX/XX/XXXX, I contacted TransUnion with a letter containing inaccurate information. They updated some of the information but failed to correct the following information : Inquiries : XXXX/XXXX XXXX -XX/XX/XXXX,  XXXX/XXXX  -XX/XX/XXXX In addition, there continue to be incorrect addresses that also appear on my credit file. Please delete the following : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX. 
I am further disputing the late payments reporting on the following accounts. I was not late on any of these payments : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX My previous Employer was XXXX XXXX XXXX, please remove XXXX XXXX  from my report.
XXXX XXXX XXXX XXXX XXXX wired {$250000.00} on XXXX through our bank : Bank of the West to XXXX XXXX Bank in XXXX XXXX XXXX, Ut through their bank : XXXX XXXX Bank, XXXX XXXX XXXX, CA. 
XXXX XXXX Bank did not receive the funds. Our Bank : Bank of the West put a tracer on the wire twice - No response XXXX. 
On XXXX XXXX finally admitted that they deposited the funds into someone else 's account XXXX their account number matched our tax id # XXXX XXXX 's account number was clearly identified on the wire. 
On XXXX XXXX told XXXX Bank that they had to contact the branch that had the wrong account and for them to contact the customer and ASK FOR THE MONEY BACK!!!! 
On XXXX XXXX told Bank of the West to recall the wire, which they did. 
Today - WE STILL DO NOT HAVE OUR {$250000.00}!!!!!!!!! 

Please help. I can be contacted at XXXX.
Have filed a complaint with CFPB already, case number XXXX. Cased was closed with no result. I have a cashed check from Transunion, who stated that there was no fee for minor freeze protection. All required paperwork was with the check.
As of XX/XX/XXXX I have been notified that I am among those impacted by the equifax databreach.
I contacted Ocwen to for Modification. I have made every payment this year, however I am having trouble getting Ocwen to help Modify the loan. The use these stall tactics where they keep requesting the same information over and over again until you end up in foreclosure. I had to file a bankruptcy to stop it now I allowed my bankruptcy to lapse and Ocwen is now saying that they need additional paperwork. This happens over and over again. They did not honor the court order from before and they keep finding excuses to not approve the modification. I know they don't have to approve it but the stall tactics are not the proper way to do business. I have submitted my paperwork again and I have been submitting it for over a year now. Please help me get answers.
I REQQUESTED VERIFICATION OF DEBT FROM XXXX ACCOUNTS WITH CENTRAL FINANCIAL CONTROL AND WAS NOT PROVIDED WITH DEBT VERIFICATION. ALSO, I PAID THE DEBTS HOPING THAT I WOULD RECEIVE DEBT VERIFICATION ON THE FOLLOWING ACCOUNTS : ACCOUNT NUMBER : XXXX - PAIDACCOUNT NUMBER : XXXX - PAIDACCOUNT NUMBER : XXXX - PAIDI WANT TO KNOW WHY I WAS NOT PROVIDED WITH DEBT VERIFICATION AND PAPERWORK AS REQUESTED. ALSO, I WOULD LIKE THESE PAID COLLECTION ACCOUNTS REMOVED FROM MY XXXX CREDIT REPORT.
On Saturday, XXXX XXXX, 2015 I contact Navy Federal Credit Union regarding fraud on my account and replacing my card that indicated that they send the request to another business or unit who process of mailing the New Bank Card. The make seem like XXXX comes to the office and issues the bank card the is not true a tracking number is imputed on labels so you do not have wait for tracking number. Then if you establish Business you also order printed labels with you business name and address, account and the Track number is on the right side of the label. So why do Navy Federal Credit Union Customer Service and Supervisor make seem extremely hard to obtain a Tracking Number for them to mail a replace Debit Card when they wo n't have to replace it if that did n't allow unauthorized charges, fees, to be subtracted the account and they secure their member account your assistant with this is greatly appreciated. Please make sure this Credit is working according to United States Federal Regulation
I opened a Home Depot Credit Card account. Months later I bought counter tops. 
When I purchased the counter tops I used a 24 month promotional loan. 
The account had to be " switched over '' to the promo. I was told to check my statement the next month and if I did n't see the promotional terms to return to the store so they could " fix it ''. The conversion did not take place so I returned to the store. I had the account converted and was told I was allset. I waited for a new statement. I received a notice reading I was 30 days late on payment. I did n't pay the incorrect statement, and did n't have a corrected statement so I did n't pay anything as I was n't sure how much I was supposed to pay. At first I thought I lost a bill because I found all of this to be sort of confusing, but I easily could 've paid them had I known they wanted some type of payment. No one made it clear that payment for an incorrect billing term was expected.
A collection agency is claiming to be a law firm with a unpaid lawsuit for an eviction that never happened. There is no lawsuit either. The property management company that I rented from that originally hired them did n't send the move out statement in the time allowed by law and therefore forfeited any claim against me and refunded my deposit. Kimble Trey al has no legal debt owing by me to be collecting yet they are reporting a XXXX. Debt to the credit agencies.
Bo ... ught a vehicle from drivetime due to bad credit cause mu XXXX mustang was rear ended and totaled and needed a car quickly for va appoiontments. loan had a 24 percent interest rate and a broken down 5 times in two months. Going under cause problems are not covered by the liited warrenty you are forced to buy for XXXX and gap ins for XXXX. I had a XXXX mustang that was rear ended and they say I owe XXXX because I did not not [ urchase gap ins.. They originally said XXXX a month was ok so I went anf got a XXXX car and ins for it. 
three weeks later I get an email saying that deal is is void and have to pay XXXX a moth for 36 moths on top of car and ins. payment..
XX/XX/XXXX-XXXX hard inquiry XX/XX/XXXX-XXXX hard inquiry Both are on my report, having been told they will be there for 2 years when it wasn't me, I was a victim of idenity theft though no balance ever occured, no loss of funds were obsessed by me, therefore was told by my local police Department no report was required.
I have an Hospital bill through XXXX that I have been paying {$20.00} per month since XX/XX/XXXX. Bull City Financial Solutions call my parents house harassing them for me to call them, when payments have been submitted to the collection agency each month. In addition, to that Bull City Financial solutions was placed unto my credit report, knowing it would harm my score. It s sad how collection agency are not reprimanded for its behavior. I respect only good customer service behavior.
I have requested the below-listed problems be fixed several times. The Credit agencies and letters and telephone calls in vein to the Company reporting the trademarks in error. Every trademark being reported has errors listed, The most serious, is XXXX, and XXXX XXXX XXXX, XXXX. They are reported as being in collections, payment status is still listed incorrectly today. The Trademarks have been paid in settlement and paid in full, XX/2015, respectively. See Attched documents : There are XXXX more Trademarks with issues listed on each Credit report. <P/>ENCL 1 : Disputed items ENCL 2 : Copy of how I want item fixed ENCL 3 : Letter, Payment etc. Bach-up documents for my claim
I got a copy of my credit report and noticed a lot of inaccurate information. I disputed it with all the bureaus and the inaccurate information is still being displayed. I sent along my driver 's license and social security card so that they would be able to verify my idenity.
To whom it may concern : l have been a client/customer of Bank of America for a longtime and l would like your help CFPB with this dubious issue! Due to a change in my financial income and a substantial-increase in expense obligations, l decided to respond to the correspondence sent to me by, BOA. During that time, l was constantly charged late fee 's due to paying after the XXXX of every month and on occasions was thirty-days late! l attempted to respond on ( XXXX ) XXXX occasions to BOA, ( account supervisor ) as per correspondence sent to me. l left XXXX messages and neither of the calls were returned. This banking practice was previously sanctioned by the U.S. Department of Justice and settled! I then decided a face to face meeting would be better served! So l decided to participate in ( XXXX ) of the ( XXXX ) required Banking community out-reach relief locations for help regarding the loan modification program! However, before l could attend XXXX XXXX XXXX NJ. I received a letter at my XXXX XXXX , with regards to termination of mortgage services. It is my believe BOA deliberately refused to notify me, promptly via : telephone, email, or home-address that their servicing obligations would stop within fifteen-days ; with confirmed acknowledgement. Oddly, weeks before however I received from BOA that my accounts would change starting XXXX XXXX. Not understanding the letter, I went to the bank for clarity. It is my belief, my inquiry in-regards to Bank fees and the lack of major account funds in account caused the transferring my loan to XXXX although competent, BOA Branch Asst. XXXX XXXX, verified my BOA account qualified not to be charged extra fee 's, the bank serviced my home-mortgage and my mortgage was linked to bank account. To find my mortgage would be transferred is a disgrace and a ruse not to comply with the settlement reached between, The U.S. Department Of Justice and Bank Of America, which was reached XX/XX/XXXX. I am very disappointed with the service and treatment of BOA! Additionally, l am trying to stabilize my current financial situation and believe face to face customer service help oppose to XXXX, which operates outside XXXX with numerous integrity issues as per customer based XXXX complaints would n't help my situation nor BOA 's customer service needs or the settlement compliance reached between The U.S. Department Of Justice. 
Please contact me XX/XX/XXXX, they are threatening to transfer my loan at end of business day!
I had a pending payment due on XX/XX/2016 of this month. When I learned my deposit was not coming in until the XX/XX/XXXX, I sent the company an e-mail and this is what XXXX responded : " If it is going to return back then we will need to decline your new loan request. We will notate your account and your other loan is still scheduled for the XX/XX/XXXX. '' I had a pending loan that I had tried taking out so I could have money for the holiday. This is my response : I just got the decline notice. That 's fine. I can try again after it clears on the XX/XX/XXXX. I just want to get a little extra before the holiday since I have no groceries. 

That being said, I was under the understanding that the payment would be taken out on the XX/XX/XXXX, not the XX/XX/XXXX. However when I checked my account on the XX/XX/XXXX, I found that I was overdrawn. The payment attempted to go through which resulted in a slew of overdraft fees, the cancellation of my online payments to the gas company and a state of financial dire straits until the deposit came in. Unfortunately, the majority of my planned deposit was taken by overdraft charges. I incurred about {$200.00} in overdraft fees because of this incident. 

Then, out of this last paycheck XX/XX/XXXX, XXXX payments were taken out from this company because of the returned payment which I had tried to avoid leaving me with precious little in my bank account to pay my rent, pay my utilities, get groceries, and other bills.
This concerns XXXX credit card and their administrator Citigroup. My due date for this card is the XXXX. I began receiving calls from an XXXX number as early as the XXXX, perhaps the XXXX. There were 2 calls to me on the XXXX one left a message. I called them on he XXXX I was unaware that I had missed a payment as I generally pay online and thought I had done so. They were pretty rude on my call to them. The call was more a tone of delinquency than a 3 day oversight. This is not the first time that I encountered this with Citigroup. I immediately contacted their customer service and got a runaround. I asked to speak to a supervisor to get to the VP in charge of collections. Was told that it was XXXX XXXX. She would not or did not know ( really lame ) the contact info for him. I went online after that and after about a half hour was able to ascertain that informations.I emailed XXXX XXXX and he had someone contact me. The young lady was very nice but incompetent. She could not add anything positive to the narrative.The level of knowledge within Citigroup 's customer service and their collection department is POOR to say the least. More education and initial collection contact that more closely aligns itself to the timeline is NECESSARY! A friendly reminder is what's needed here.
This complaint is with Portfolio Recovery Associates. My credit reports show varying information on the date of first delinquency, all of which are incorrect. Their reporting timeframe has passed. The original creditor ( XXXX XXXX ) removed the tradeline XX/XX/2016. PRA also updated the tradeline when I disputed the item and it now states that I have a past due amount. This is false reporting as collection agencies are not allowed to report an account as " past due. ''
On XX/XX/2016, I obtained a XXXX personal loan through USAA. 
When I inquired on loan options, I thoroughly explained this was a joint loan and the other individual on the loan does not have a steady job history. The loan sales person listened to the information I provided and quickly responded with their debt protection option. I requested if this option would cover in the he was to lose his job for any reason, in which he responded, it would. Now, 2 years later, he is no longer employed as he has been incarcerated, leaving myself and my children a single income household, with no financial assistance from him or anyone else. 
I am very disgusted that a reputable company such as USAA would support such deceptive sales practices. I am a highly educated and intelligent individual and would never have made such a large financial commitment to USAA if I had been provided the correct information. He had sent me the information to my phone and I quickly signed and returned it. 
This illusion of protection has left me with a large financial burden that could cause me to lose my home. I currently pay about {$200.00} a month in loan repayment and now have no assistance from his income and no back up from the debt protection I was promised would support in this event. 

Upon contacting USAA and speaking with a superior, I received only an apology, a denial to pull the call records as they no longer exist, and an offer to extend one month 's payment ( Which they could not even do ).
XXXX XXXX ran a credit report for a loan without my consent, never the loan results was consulted with me, and I was not interested in any of their stuck vehicle. This wil result in lowering my credit score. Was informed by XXXX XXXX
I tried closing my XXXX XXXX card with Barclaycard several months ago via chat, but was unable to. I tried again today, and was informed that I won't be able to close the account and get a refund or prorated refund of my annual fee. I was informed that I would need to wait until XX/XX/2019. I was also informed that XXXX months have passed since I paid the fee, which is completely false. The fee was assessed XX/XX/XXXX. My bill was not paid until XX/XX/XXXX. It's the beginning of XX/XX/XXXX. My fee has only covered benefits of the card for XXXX months. I haven't used this card, and I receive better benefits by flying XXXX XXXX several times per month. I do not plan to use this card, and want to close it. Barclaycard will not close my account, and will not give me back at least a prorated amount of the fee or reallocate it to a different card.
Capital One bank took money out of my account through an ACH transaction on XXXX XXXX. The Ach Trace Number is XXXX. My credit union states it was from an online transaction. I have been behind on my account and it was closed after my son got XXXX last year. I am paying them {$50.00} a month but they took out {$1000.00}. My mortgage payment. I searched the web and this seems to be a practice that they do a lot. I have not made a payment to them through the account they took the money from for quite some time. I ca n't believe they would have the ability to just take money as they see fit.
Bank of American Credit Card Number : ending XXXX I would like to dispute multiple XXXX advertisement charges that I made for advertising for XXXX, a company that got shut down by Federal Trade Commission for being a scam and fraudulent company. 

DISPUTE for total of {$13000.00}, fraudulent advertising for XXXX on XXXX XX/XX/2018 {$25.00} XX/XX/2018 {$50.00} XX/XX/2018 {$250.00} XX/XX/2018 {$500.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$280.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/18 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$1.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$100.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} Total of 23 transaction in amount of {$13000.00} MOBE was a business education platform. It got shut down by the Federal Trade Commission ( FTC ) for being a scam and fraudulent on XX/XX/2018. XXXX was permanently shut down by the receiver on XX/XX/2018. 

I was first introduced to XXXX  through XXXX ads in XX/XX/2018, I believed in the possibilities that was promised in the ad, and I believed in XXXX for endorsing the ad on its social media website. Soon I signed up with XXXX on XX/XX/2018. As soon as I sign up with XXXX, I started to introduce XXXX to the vast consumers using the advertisement function on XXXX just like the way I was introduced to XXXX. In short three months that I joined XXXX, it got shut down by FTC. I was one of the person who helped to spread it using XXXX advertisement function, and I was also a victim too. I was shocked with the power of social media that can helped to spread the scam contents virally. 

I am not sure if XXXX knew that there are people posting ads from questionable company to scam vast consumers utilizing their platform. XXXX advertising escalates and helped to spread and promote the scam exponentially. XXXX is a large social media who can not only focus on making money, XXXX had failed to safeguard this situation and allows people to post scam contents on their platform. 

I called Bank of America dispute department numerous times, I went to the branch to speak to the branch manager, I fax in related supporting documents, and I just can not get any response back from Bank of America for this dispute. Please help me, I dont know where else to go to. Thank you.
I have disputed this collection account with XXXX and Experian twice. I have also sent via certified mail documentation from the company that is/was reporting the account stating they ( XXXX XXXX ) request that the account is removed from my credit file. To date XXXX and Experian are still reporting this inaccurate information and refuses to remove the account from my credit files. This collection account does not belong to me. I have spoken to representatives yesterday at both XXXX and Experian ( X/XX/2017 ) and I was told both times the account will not be removed. There is no reason for this account to be on my report and this is a violation of my consumer rights.