WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2017, I was filling out an application through Quicken Loans ' Rocket Mortgage program to see what products they could offer me for a condominium I was purchasing in a new development. I specified the details of the home as well as the down payment I was willing to put down and I provided all of the necessary financial information they requested. I provided my SSN and  my wife 's SSN as well. There was no indication of what mortgage products Quicken Loans had to offer and before making sure they had any mortgage product they could offer me, they immediately performed a hard pull on my credit report and on my wife 's credit report. I learned after this that Quicken Loans does not offer any mortgage products for condominiums in new developments and that our credit reports did n't even need to be pulled. I called Quicken Loans to complain about this issue, but they argued that a vague disclaimer that mentioned nothing about an immediate pull on your credit before considering mortgage options was enough to free them of guilt. I have spoken to several lenders and every single one of them always checked to see what potential products could be available for my wife and I before they made a decision to pull our credit. Several of the other lenders we spoke to also had no programs for new construction condominiums, but they informed us prior to ever pulling our credit.
My complaint is that Quicken Loans did not ethically, permissibly, nor reasonably perform hard pulls on my credit report and my wife 's credit report. They had sufficient information early on in the application process to know that they had no mortgage option available to us regardless of our credit reports. They also did not get permission to perform an immediate pull on my credit report without considering what options would be available.
I recently pulled a copy of my credit report and noticed the following information are in error. 
Credit Inquiries The FCRA states that the only permissible purpose for pulling someone 's credit report is Firm offer of credit XXXX XXXX XXXX Order The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and Fact Act Free Disclosure Please remove these inquiries from my credit report immediately. Thank you.
TransUnion is reporting an incorrect filing date. I filed a Chapter XXXX bankruptcy XX/XX/XXXX. The case was converted to a Chapter XXXX XX/XX/XXXX. XXXX. TransUnion is reporting the filing date of the Chapter XXXX as XX/XX/XXXX. This is in violation of 11U.S. C. 348 ( a ). The section 348 ( a ) concerns the effects from one chapter to another. 348 ( a ) states in part. Conversion of a case from one case under one chapter of this title constitutes an order for relief under the chapter to which the case is converted. This does not change the date of filing date of the case or petition the commencement of the case and the order of relief. 
XXXX v. XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ), in which held that a conversion from chapter XXXX to chapter XXXX, the debtors are deem to have filed the converted case at the same time the original case was filed. The filing date of a converted case relates back to the initial filing date. 
Under 348 ( a ) a converted case is deem to be filed at the time the case was initially before the converted case.

1. TransUnion reports that Chapter XXXX original filing date is XX/XX/XXXX and case number XXXX. 
2. I have enclosed the court order conversion of Chapter XXXX to Chapter XXXX. 
3. I have enclose the Discharge of Debtor order dated XX/XX/XXXX. 
4. Resolution : According to 11 U.S.C 348 ( a ) The original file date for the Chapter XXXX must be the original date of the Chapter XXXX petition date XX/XX/XXXX. I am requesting that TransUnion correct the file date.
My credit line with BOA credit card was drastically and unjustly lowered from approx. $ 33k to {$1200.00}, A WEEK AND HALF AFTER I REFINANCED, AND PAID THIS CARD OFF IN FULL. THIS ACTION HAS DRASTICLTLY EFFECTED MY CREDIT SCORE, AND ABILITY TO GAIN ADDITIONAL CREDIT. 

I have been with BOA for approx. 20+ years, always with an A rating always paid on time. 
I have had a long relationship, various business, personal, and merchant accounts, and did over 1 mil in biz, all A rated, paid on time. 
In XX/XX/XXXX I refinanced my home to an FHA % 3.27, and paid off 3/4 of the balances on credit cards, LOC, and cashed out $ XXXX, still retaining a 2.1 loan to value. 
In XX/XX/XXXX my Refi FHA Mortgage Loan was $ XXXX, appraised {$1.00}, with comp values {$2.00} - 2.4. So my financial and credit situation improved with these transactions. In addition, I my credit was good enough to have qualified for an FHA loan. There were no derogatory information on my credit reports, and all in good standing. 
I completely paid off this BOA account, wanted to retain this account to use, for medical, etc. only when and if needed, due to the low % rate, and relied on having this credit available. And due to my credit history and long relationship, I was receiving a low 6.99 % rate on this account, with an A rating. 
Directly after pay off, in XX/XX/XXXX, a weeks after refi, BOA drastically lowered my credit limit from {$33000.00}, to {$1200.00}, stating inaccurate, unfair, and false information. As my financial situation IMPROVED with my refi lowering my % on mortgage , % on credit, and pay offs, and my monthly overhead was lowered by more than 35 %. I tried to deal with BOA, but they offered no help. 
Therefore, I believe that BOA committed ANOTHER act of fraud, and MORE unfair business practices.
I have filed repeated requests for my annual student loan income based repayment plan and submitted the required documents to my servicer, Nelnet.

Nelnet keeps " losing '' my documents and refuses to process my request. They give no explanation why and will not escalate my case.
I found a new credit card on my credit report that I did not authorize. It was with Citi bank. It was supposedly opened on XX/XX/2019 reported on XX/XX/2019 with a limit of {$5600.00}. I never signed up for this card and have not received a card in the mail. I am worried that it might be identity theft.
I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt.
my initial complaint is # XXXX. Back in XXXX and XXXX I submitted a complaint against Stellar Recovery their phone number is XXXX. They continue to robo call my home each day different times of the day. The automated message gives different peoples names. People I have never heard of. My husband and I are senior citizens and are not in any debt collection. I also wonder if this Stellar Recovery has a charter to collect money in Arizona as there company is in Maryland. I would like to know the status of my complaint as I am still receiving these harassing calls. The status in your database states it is under dispute.. Who is disputing my complaint ; surely it can not be Stellar Recovery as we do n't owe any money that is in collections.
My husband and I have owed our home for a long time. In XXXX we refinanced our home with XXXX XXXX on a loan which was not explained to us and all we knew was is was an adjustable rate mortgage. Later our loan was sold to Wells Fargo. We were making our payments and everything seemed to be fine until our payment went from what was tight in the first place at {$1600.00} to over {$1900.00}! We called Wells Fargo several times to see why our loan payment went up but they would not return our phone calls. We looked at the impounds and it was not due to an impound shortage, it showed the payment went up because the interest was way up over 8.5 %, which did not make since as the fully index rate could not be that high. Our real estate agent looked over our papers and could not understand HOW a neg am could be at margin plus index and be over 8 % in this market. We tried to get a modification but BECAUSE WE HAD equity Wells would not work with us. I am sure a servicer is suppose to return a home owners phone calls which they did not, not until we were so behind in our payments that they sold our loan and did not inform us of the sale of our loan or who would be servicing it. We are now about to lose our home and the offer to us for a modification was still a rate over 8 %, We feel Wells Fargo should not be allow to continue servicing loans as they take advantage of ill informed consumers. In additional we understand that the neg am we have should have been modified by Wells Fargo but non of the consumers who were suppose to be modified due to a class action law suit never did due to a loop-hole in the settlement.. Wrong and unfair. Please help
Upon reviewing my credit report, I notice XXXX XXXX XXXX, reported that a charged off / " Paid, Closed {$29000.00} written off, '' comment. Since I was not the rightful / legal owner of the XXXX XXXX XXXX. Due to XXXX XXXX XXXX dealership illegal activities during the sales transaction. I have requested on several occasions to remove this item from my credit report or place it in Dispute status, they refuse to response back. I am requesting that all negative responses be remove and updated immediately, including comments like these : " derogatory, Charged off as bad debt, etc. '' I am also requesting validation, made pursuant the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. along with the corresponding local laws. Please note that I am requesting " validation, '' that is competent evidence bearing my signature, showing that I have XXXX or even had XXXX some contractual obligation to pay. Please also be aware that the negative mark found on my credit reports from your company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. Pending the outcome of my investigation of any evidence that you submit you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 5 business days of receipt of this message may result in legal action against your company at my local venue. I would be seeking a minimum of {$15.00}, XXXX in damages per violation for : Defamation, Negligent Enablement of Identity Fraud, and the list goes on. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Desired Resolution / Outcome Desired Outcome : Failure to respond within 5 business days of receipt of this message may result in legal action against your company at my local venue. I would be seeking a minimum of {$15000.00} in damages per violation for : Defamation, Negligent Enablement of Identity Fraud, and the list goes on. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. Also, that all derogatory and negative marks / responses be remove and updated immediately.
{$3.00} REFUND REFUSED FROM A FAILED WESTERN UNION XXXX XXXXI MADE A MONEY TRANSFER THROUGH WESTERN UNION AT THE XXXX STORE XXXX XXXX XXXX XXXX, DE ( XXXX ) XXXX MANAGER XXXX. THE TRANSACTION NUMBER SHOWED AS VALID THROUGH WESTERN UNION TRACKING ONLINE. ' '' SEE ATTACHMENT ''. HOWEVER THE RECIPIENT WAS TOLD THE XXXX NUMBER WAS INVALID. AND THEREAFTER IT WAS NO LONGER VALID WITH ONLINE TRACKING. XXXX MANAGER XXXX SAID WESTERN UNION HAS TOLD HER IT HAS CREDITED BACK THIS AMOUNT TO THE XXXX STORE BUT SHE SAYS IT WAS NOT. AND IF IT WAS THE MAXIMUM REFUND I COULD RECEIVE IS {$990.00} ACCORDING TO CORPORATE POLICY AFTER SPEAKING WITH THEM. COULD YOU KINDLY ADVISE ME WITH THIS MATTER. 
MY NAME IS XXXX XXXX PHONE # XXXX. 
XXXXXXXXXXXX I THOUGHT I SHOULD ADD THAT WESTERN UNION TOLD ME OVER THE PHONE THEY COULD MAIL ME A REFUND CHECK BUT IT WOULD TAKE TWO WEEKS OR I COULD DRIVE XXXX ABOUT XXXX MILES AWAY TO RECEIVE A CASH REFUND. I DO N'T BELIEVE THAT AND NEITHER DOES THE XXXX MANAGER XXXX XXXX, DELAWARE.XXXX ) XXXX
I wired {$30000.00} to Coinbase on XX/XX/XXXX. The funds didn't show up on my account. Since then, the customer service looked at the cases a couple of times to collect more information which I provided in time. But somehow, they closed my case on XX/XX/XXXX without any real resolution ( I haven't got my funds back anywhere ). I have reopened my case but after four business days no one has followed up my case. 
My support case ID is XXXX.
Equifax has not investigated any of my accounts - Congress states that once I notify them that there is inaccurate information, they must initiate an investigation and the burden is on them to prove that their information is incorrect. They did not investigate, they did not attempt to investigate and this information has been sent to them 5 months in a row with no results whatsoever. I will be hiring an attorney to act on my behalf as I now have proof that they have violated many laws. Why are n't they helping me? I have clearly stated my disputes and I am sending you ALL of the letters that I have given them. 
Please see attached letters which substantiate my claim.
i recieved a XXXX cancellation of debt but XXXX refuses to remove the lien and says i still owe them money also XXXX loan i had was refinanced in or about 2008 but they too say i still owe them money and refuse to release a lien i have tried in vein to get this resolved but they have been nasty and have tried to bully me into paying them I found out thru a web search that both XXXX and XXXX are the same company as XXXX bought XXXX
The information presented in credit report looks like I 'm in a bankruptcy situation. That 's not true. The following are my current situations : I paid almost all of my account off ( only one left ) ; I have a student loan with no obligation to make payments, I 'm still at school XXXX ; I 'm a co-buyer of our house. I am not the primary buyer. MyWife 's income is count off e.g. It looks like again that I pay the house on my own. That 's not real ; The report said that I have a car loan again I am married I do n't pay only on my own. 
When I called on my own the collectors agencies to pay my debts off a way to show commitments to comply to my debts the credit bureau block me to have a credit. Is that did n't pay was the best thing to do? I do n't think so. 
Please, I would like you to look back my situation and allow me to get back in the system like a responsible US citizen because hardships can happen to anyone.
I have tried each year, for multiple years to obtain a credit report online from Equifax. Each time I try, it says processing, then times out, and says my report ca n't be viewed online. I have had no problem with the other  XXXX  reporting agencies.
The mortgage company change the apr and monthly payment and did not send any notification of the changes to my address, their customer service department, has People who are not even qualified to answer questions they give you wrong information over the phone then they expect you to tolerate their inconsistent behavior and lack of knowledge.
Over XXXX XXXX weekend, I traveled to a real estate class in Utah. Upon my return, I attempted to pay a {$30.00} airport parking charge and my BBVA Compass card was declined. Since it had a {$12000.00} credit limit on it and only about {$2000.00} worth of charges on it, I did not understand why. On Tuesday, XX/XX/XXXX, I contacted BBVA Compass who informed me that XXXX provided them with a notification that I was overextended. I'm not. As a result of XXXX XXXX  information, BBVA Compass lowered my credit limit to {$2500.00} leaving me {$11.00} in available credit, which obviously can not pay for a {$30.00} airport parking charge. I invested in real estate training to better my life and now I'm getting chastised for it. I have never been late or contacted any type of credit repair agency to fix anything as there was nothing to be fixed. There still isn't. I am very angry over this unjustified action and I believe there has to be some type of law or something that can keep people like XXXX and/or BBVA Compass from destroying my life. The only equitable solution for me would to be reinstate the credit limit on this card. Anything else is an insult.
I did not file for bankruptcy. I went on to XXXX and got the documents that was filed and it does n't have my name nor does it have my correct address. This is not mine. They keep verifying that this is mine but it 's not mine.
This company calls XXXX times a day, every day, calls my work phone and cell phone after being told a long time ago not to, and has called multiple times after XXXX. XXXX times they will call and nobody will be there when I answer, and they never identify themselves through voicemail.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( XXXX  ) XXXX XXXX XXXX Account Number XXXX. ( XXXX, equifax ) XXXX XXXX XXXX Account Number XXXX ( XXXX ) XXXX XXXX XXXX Account Number XXXX
I've received notices from companies XXXX XXXX and XXXX that there were some items on my credit report impacting decisions made towards my credit worthiness. Given that I just purchased a second home ( XX/XX/2018 ) and my current score is XXXX as of XX/XX/XXXX based on the information that XXXX  XXXX ( XXXX XXXX XXXX ). On the document it says the following : Several delinquent accounts High Balances ( two home loans ) I don't have any delinquent accounts and if I did, I wouldn't be able to purchase another home. I've reached out to XXXX before about this issue and was given the run around. This agency never provide responses that are useful or makes changes. The information that they provided is never accurate.
I asked for a detailed bill of my account and was told they do not have to give me one. How do I know the debt is valid without the original bill. They sent me a statement that I promised to pay which in fact I did not I wanted a detailed bill.
North American Recovery has not sent validation of the debt after repeated requests. Additionally, they are not licensed in the state of Colorado, which is a violation of Colorado 's Fair Debt Collections Practices Act.
Collection agency, who claims to be a law firm, Couch Conville & Blitt LLC, sent me an initial letter dated XX/XX/XXXX, allowing me 30 days to dispute the validity of the debt. 

HOWEVER, the actual postmark on the envelope and the mailing date was much later, on XX/XX/XXXX, thus shortening the amount of time I had to dispute the debt by NINE DAYS.
I have a private student loan which originated in the amount of {$35000.00} in XX/XX/2008. 

{$15000.00} was unused and returned ; I began paying monthly payments on the remaining balance of {$20000.00}. 

I have been paying for the last ten years without fail. my current balance is {$14000.00} In the last ten years I have made payments totaling {$15000.00}. However, I still have a balance showing {$14000.00}. So, only {$6000.00} has been credited to my account. 

I have recently been made aware of fraud by the student loan holders in regard to interest rates. 

I have requested detailed analysis of the loan and the explanations have been cursory, vague and incomplete. 

The loan is held by Wells Fargo. I am concerned there may be some improprieties.
I have been asking for like 10 years, yes years, for the balance my escrow had in it when it was transferred from Washington Mutual Bank to Chase Bank. They have sent me everything but what I have asked for .... the ending figure that was to be transferred that Washington Mutual had.
this account was result of fraud due to the XXXX  breach for balance {$5000.00}
My SEARS Master Card statement with statement closing date XXXX/XXXX/2016 for SEARS credit card shows a new balance in the amount of {$250.00} with a payment due date of XXXX XXXX, 2016. On XXXX XXXX, 2016 I paid the amount of {$250.00} in cash at SEARS store located at XXXX XXXX XXXX located in XXXX XXXX NY, XXXX. I will enclosed a copy of the payment receipt. The receipt date located on the bottom left corner of the receipt shows a date of XXXX/XXXX/16 as well as a copy of journal display printed by a SEARS associate for that point of sale showing XXXX as the payment timestamp. 
I received a text message on XXXX XXXX to call Citibank about my Sears account at XXXX. I promptly called and a representative told me that my account is overdue. I explained to the representative over the phone that I have paid it in full and I have the payment receipt. The representative directed me to fax the receipt over to the investigation department at XXXX XXXX. Then I called to make sure that it was received. Since XXXX XXXX 2016, I have been calling every other day to check on the status of the account. The representative talks to me as if there are no notes on the account about telling the bank that I have already paid, faxed the payment receipt and an investigation is under way. When I ask about a case number or a reference number to this matter, I am told that they ca n't give it to me. Last time I called was on XXXX/XXXX/2016 at around XXXX XXXX XXXX. I was told that my payment is still overdue. Frustrated and worried, I decided to go back to the store again. I showed the manager at the store my receipt. She kindly called the credit department with the store information and the receipt information and she was told that the account was credited on XXXX XXXX, 2016. Because now I do n't trust what I hear anymore, I called the XXXX number on my card and listened to the automated account information and indeed it mentioned that the payment was received on XXXX/XXXX/2016. The payment posted date is 17 days after I actually paid at the store. 
According to page XXXX of the credit card statement which reads as follows, Payment other than by mail. 
In store ( where Available ). 
Any payment in proper form accepted in-store will be credited as of that day. 

This means that I have honored my obligation and paid in full a day before the payment due date not 17 days later The Bank refuses to 1- follow its own published rules on page XXXX of the credit card statement and change the payment posting date to the date of payment at the store. 
2- Reverse the LATE FEE although payment was NOT late 3- Reverse the Interest Charges although the entire balance was paid in full before the due date. 
Because the bank does n't admit to its errors, I am concerned that it will report my payment as late to the credit bureaus.
For the past 8 months I have tried to have XXXX fraudulent accounts that were re- inserted to my credit by Equifax once again removed from my credit report and history. 
I supplied Equifax with my original police report that was also stamped by XXXX, the accounts removed and re- inserted to my credit without notice. I have called and tried to get the situation handled by mail- its no use they continue to ignore my disputes. 
XXXX XXXX # XXXX XXXX XXXX They have also failed to remove the fraudulent inquiries from my credit XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX