WillisBack/dataset-financial-user-claim huggingface dataset:
I have been denied by over 160 rental applications. XXXX, TransUnion and XXXX are attacking me and forcing me to live in the streets and in homeless shelters. This country is using credit scores to gain acceptance into rental housing. It is demanded everywhere to have a minimum XXXX credit score in order to even apply for a rental apartment. I can not get a rental apartment and am forced to live with relative. This is an attack against a human beings right to shelter and healthy physical and mental wellbeing. I file a criminal attack against these bureaus. Why is my student loan in my credit report when it is on foreberance? I see only two issues on my credit and that is the student loan from XXXX XXXX XXXX and the XXXX XXXX bill who sold all {$15000.00} worth of property. They sold all my property and some in brand new condition and yet still charged me {$2000.00} to settle the account. What is happening to America when the constitution is being buried in the ground? This is against inalienable rights and an attack against my mental and physical wellbeing. I have over thirty years of established credit and the attack is that the credit reporting reports nothing of positive influences but only seeks issues in which to destroy citizens rights to satisfactory living and lifestyles. Something must be done. I have over thirty years of payments and working with creditors to establish credit and yet my credit is worse than when I left high school in XXXX. When I left high school in XXXX   my credit was a XXXX the minimum and I never established any credit with anyone. I am XXXX XXXX years old and my credit is worse than when I left high school and have have made hundreds of thousands of dollars in payments to creditors. So what if I fell behind or missed payments once in a while? What kind of abusive criminal attack is this against the American citizen.
I sent EQUIFAX a final certified letter on XX/XX/18 & they signed for it on XX/XX/18 @ XXXX, requesting a copy of what they used to verify the following negative accounts they continue to list on my credit report : 1 ) XXXX for {$1700.00} 2 ) XXXX  for {$1200.00} 3 ) XXXX XXXX for {$680.00} 4 ) XXXX for {$4300.00} 4 ) XXXX XXXX for {$2800.00} & a copy of my updated credit report.

They have ignored these requests. They have not responded at all & it has been OVER 30 DAYS.
1. 
Money transfers to the XXXX of XXXX has only XXXX option for collecting - XXXX $ $ $ currency only. 
2. 
The rate of exchange has been discounted therefore the recipients are not receiving the correct amount in local cureency based on the current exchange rate3. 
Western union is collecting earned income based on gain received from the discounted rate paid to recipients vs. exchange rates set by XXXX XXXX XXXX4. 
western Union charges a fee for each transfers in addition to discounting the exchange rate. 
5. 
Case in point : Today XX/XX/2015, Western Union rate of exchange for transfers sent to XXXX from local outlets ( In Person ) is XXXX {$110.00} to XXXX vs. rate set by the XXXX XXXX XXXX - XXXX {$110.00}. Hence a gain of XXXX {$4.00} 0n each US $ sent.In addition to the base fee of US {$9.00}.
The collection department of Suntrust Bank Mortgage has contacted me over the telephone several times the past month, yesterday, and today XX/XX/2018 alleging that my mortgage payment is due and delinquent, when it is not. Their collector uses intimidating warning language and false facts ( ... this call is being recorded for debt collection puposes, your mortgage is due as of the first ... or someting like that ). They bought my loan recently, and as a result one of my payments went to the old mortgage company, which I guess put me on their bad list. I corrected the mistake as soon as I could, but they have blacklisted me and therefore the baseles, harassing and bulling calls started. The calls are harassing and demeaning ( one of their agents demeaned me by mocking my accent and pretending to speak mocking XXXX  ). I tried requesting them on the telephone to stop, with no avail.
THE XXXX XXXX ACCOUNT ( LETTER ATTACHED ) DOES NOT HAVE ANY DELINQUENCIES PER THE CREDITOR ITSELF FOR WHICH THEY HAVE APPROVED. 
PLEASE HELP ME TO REMOVE THESE NEGATIVES LATES FROM XXXX  AND EQUIFAX. BECAUSE THEY ARE NOT COOPERATING. 
THANK YOU
I changed my autopay bank account inXX/XX/XXXX. I received a confirmation email that it was changed and thought all was good. I did n't order many things from them during the summer because I was incredibly busy with work so, I did n't bother to open my statements as I figured whatever little I owed, would come out of my bank account. 

On XX/XX/XXXX I was placing an online order at Macy 's my card was declined. That 's when I found out my account was past due. I looked at the autopay and the info was correct but no charges had been made to the account since I changed it. I did n't understand but took care of it immediately even paying the late fees because I did not want to deal with waiting and calling them during the week as I was scared to mess up my credit, which I painstakingly have been building up for the past several years. 

Unfortunately, today I woke up to an email from my credit score tracker saying it changed. It changed from XXXX to XXXX because of a 2 month late balance of {$110.00} in the Macy 's card. I am devastated that my credit could go down so much for so little. THIS WAS NOT MY FAULT! THEIR AUTO PAY SYSTEM FAILED. I called Macy 's and spoke with the Credit bureau representative. Showed my evidence that I had set up auto pay correctly and NEVER received a SINGLE past due notice from them. They said it 's still my responsibility to know if the auto pay went through even though it was their system that failed to collect the money. Now my credit score is blemished over a small balance that I can most certainly afford to pay. But they do not hold themselves responsible at all even though their online pay system failed and they never sent me one " Past Due Account '' email.
Spoke with the company responsible for the inquiry on my credit report on XX/XX/2017, was told that they do not remove inquiries, and that it remains. I have also contacted XXXX the credit reporting agency where the inquiry is showing. Neither attempts have been successful.
Chase Auto loan from XX/XX/2011 was reported as last payment received on XX/XX/2011 for XXXX   and XXXX. XXXX is saying its XX/XX/2011 and will not be removed until after XX/XX/XXXX. I am unable to see results of any reporting because their website is down and has been down for more than three weeks. The customer service agent that I spoke with this afternoon said this 7 year old account will not be removed until after XX/XX/XXXX. This Chase account has been removed on both XXXX and XXXX. Its my understanding that 6 years is the statute of limitions on debt and we are clearly past that.
1. In XX/XX/XXXX-XX/XX/XXXX, I made XXXX investment (rental) home purchases in Florida. Fraud intent loan applications were submitted by mortgage brokers wilfully, selling XXXX apartments in same complex to me, same day. Submitting my applications fraudulently (for 1st and 2nd mortgages on each) to 1. Different banks on same day ! 2. Putting "primary residence' as info so banks can make the loan-all can profit from such practices. Such banks were: Bank of America, Countrywide, XXXX, XXXX, and others that went under since !

2. Now these BAD LOANS are sold (for pennies on the dollar value) to XXXX 'bad loan' shark markets, that engage "collection agencies', these then employ/ recruit law offices to sue to collect as much as they can in a) settlement or b) lawsuit for full amounts plus ridiculous/ "max ALLOWABLE CUSTOMARY" charges Law office charges for income garnish.

3. All in all : Victimization. And only a few are selectively so, while others have been consolidated on paper by system bankrupted by such pratices.

I am also going to write such details to political parties and presidential candidates, so that others in my fraud intent forced situation can be protected.
I have been a long time Customer with XXXX. I have their store credit card XXXX account # XXXX XXXX. Last year I suddenly received a debit collection call and got called at my job in a XX/XX/2017. The call caught me off guard and honestly I was very embarrassed to get the call at my job. The person on the phone was extremely rude and aggressive with the call the purpose. They harassed me over the phone to make a payment option so i did. I told them I had NO idea I was late on my XXXX payment so to know I am in collections is a shock. The person couldnt careless they went on with their written script and put me on a payment plan. Since then Ive tried to call XXXX ( XXXX ) and have been told my account is no longer with them. The repsentative referred me to XXXX creditor telling me that XXXX was the creditor for XXXX. I called the number provided by the rep ( XXXX ) and it routes me back to the debit agency.
I called the bank repeated on X/XX/2017, after receiving their notification. I was told that I would receive a call back from executive relations, but did not receive that call. I did speak to a reputed supervisor, XXXX XXXX XXXX, who was both rude and unhelpful.
The account is under my name, acct XXXX XXXX.
PNC debited my account for {$35000.00}, corresponding to two checks deposited via an ATM. These checks were issued when a mutual fund ( XXXX XXXX XXXX XXXX ) closed, and I was the owner of record on two accounts. The first check was for {$14000.00}, and was issued payable to me and XXXX XXXX, my wife, as XXXX. The scribbled explanation for the debit was a checkmark next to " Payee not on account '' ( I certainly am ), and " not a trust acct '' scrawled in below that.
The 2nd check was {$21000.00} payable to " XXXX XXXX XXXX '' for my son XXXX XXXX  XXXX. The checkmark here is next to " Other '' and the scrawled comment says " not custodial account. '' In fact, the mutual fund was a custodial account, and the check is payable to me.
I would like the checks returned immediately, and would like to close my account with PNC and be issued a check for the remaining balanace, since PNC appears to be unable to accurately and politely execute standard banking practices.
Copies of these sloppy items can be provided as needed, if copies were not retained by PNC.
XX/XX/XXXXI Inaccurate information issues Complaint : XXXX XXXX XXXX Complaint against EQUIFAX CREDIT REPORT I m demanding you to remove or correct INACCURATE INFORMATION as follow : 1- My correct name is XXXX XXXX XXXX NOT ( XXXX  ) please see attached document 2- In XX/XX/XXXX I  arrived USA for the first time in my live as XXXX  ( see attached document ) you stated on the report page number ( 2 ) CREDIT CARD LIMIT XXXX XXXX XXXX  XXXX OPENED XX/XX/XXXX. 

3- On the report page ( 40 ) credit limit XXXX According to my right these inaccurate information must be removed or corrected Complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX
I contacted Transunion on XXXX/XXXX/XXXX in regards to a disputed public record and XXXX other unverifed accounts on my credit report. Transunion failed to provide me verification of the above disputed items nor did they remove them from my credit report. When I called, I was told that they did not have a disputed from me on the date in question. The next time i called i was told that the investigation was incomplete. As of today i still have not received verification, method of verification, a notice of failure to verify or an deletion of this incorrect information which is a violation of the FCRA.
I have a credit inquire from XX/XX/2017 by CBNA - bank credit cards, I am not applying for any credit from anyone or any company, this is in error.
XX/XX/2012, I rented a car in XXXX and drove around for a week. Four months later, I received a notice of an infraction for " entering a limited traffic area without authorization, '' in a small town. Having heard this is a common scam of tourists -- for small towns to make these baseless charges -- I informed XXXX that I would like some proof. 

The next contact I had was from Cedar Financial, attempting to collect the debt. I similarly asked them for proof and was only given a photograph of the license plate of the vehicle I was driving. This was not proof of anything other than the fact that XXXX can take a photograph. 

I told Cedar Financial to stop harrassing me, and I filed a complaint with CFPB at least a year or two ago. I thought the matter was over. Well, about a month ago I was contacted by Cedar Financial again, attempting to collect this debt. I informed them that no proof had ever been shared with me and that any further attempts to collect this debt would be considered harrassment and I would report them. 

Today, I received the same photograph from Cedar Financial as before -- a very clear photograph of a license plate ... no time-stamp, no location coordinates, no proof at all that I was in a limited traffic area outside of the legal time. Therefore, I am reporting them again for harassing me by trying to collect a debt they themselves can not prove. In essence, Cedar Financial is becoming a bully and tool for a small XXXX municipality that is scamming tourists.
Yesterday ( XXXX/XXXX/2015 ) I contacted Capital One to advise them that I would be paying my credit card balance in full by XXXX or sooner. The agent confirmed to me XXXX TIMES that my card would be re-activated and available for charges once the payment is made ( see attached ). 

I made the payment that same day. 

Today, Capital One informed me that MY ACCOUNT HAD BEEN CLOSED as of XXXX/XXXX/2015, and that it can not be re-activated.
This company keeps calling my cell phone early in the morning around XXXX. My cell is XXXX. And they keep telling me they are going to sue me.
Throughoutthelastfewmonthswehavehadawebsite(XXXX)withdrawanddepositlargeamountsofmoneyintoourbusinessChaseBankingaccount.Wehaveattemptedtoresolvethisissuewiththebank,withlittleluckorinformationgiventous.Thechargesbeganwitha"test"onXX/XX/2018XXXXdepositedXXXXintoouraccountandthenanotherdepositofXXXX.Twodayslater,XX/XX/2018,XXXXwithdrew$XXXXand$XXXXintwoseparatetransactions,thenXX/XX/2018theywithdrew$XXXX.AgainonXX/XX/2018theywithdrew$XXXX.AtthistimeweapproachedthebankandwerecreditedonXX/XX/2018,theamountsof$XXXX&$XXXXintoouraccount,onXX/XX/2018thedeposited$XXXX.(WeareunclearifthisCREDITwasmadebyChasebankorthewebsite)XX/XX/2018theChaseBankreturnedthefundstoouraccountonlytohave$XXXXbeattemptedtowithdrawonXX/XX/2018,thankfullywemovedourmoneytoadifferentaccountonXX/XX/2018.LastMondayXX/XX/2018thebankwithdrewallofthefraudchargesain.ThemostrecentwithdrawwasmadeXX/XX/2018wheretheytookout$XXXXand$XXXX.AfterthesetransitionsChaseBankclosedouraccountwithoutanykindofnotification,andwhenaskedareoutwardlyrudeandtolduswewerenolongercustomers.Thetotalnumberoffraudchargesequalsto$XXXX.
PORTFOLIO RECOVERY A XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX has been reporting on my credit reports for several months. I have tried to dispute matter with them several times and have not had any luck. Not only is this company NOT LICENSED in the state of Michigan ( see attached ) but at the time they say the debt occurred I was a minor. They have been illegally reporting delinquent information to the credit bureaus, I am asking for all info to be deleted. i do not have a signed contract nor any contract with Portfolio Recovery A. I have never done business with this company and no validation has been received by the credit bureaus as proof of this.Again this company is not licensed to collect in the state of Michigan. I have researched this and provided proof to them as well as attached to this complaint.
On XX/XX/XXXX my payoff amount on a {$500.00} loan was {$260.00}, I was paying {$48.00} a month. I was told if I paid off the loan with my debit card I could re-loan. I asked if I would be able to barrow more once the loan was paid off and I was told I would find out when I paid it off. OnXX/XX/XXXX I  paid off the loan with my debit card and when I went to re-loan I was told I could get up to {$900.00} and I could pay it off in 12 months at {$88.00} a month. After answering some questions about income which were the same questions I had answered in the past to get the {$500.00} loan I was denied the loan and was told I could ask for a loan on XX/XX/XXXX. At no time was I given the option to barrow a lesser amount. I called XXXX and spoke to a XXXX  and explained what had happened and I was basically told there was nothing they could do to over ride my payment to get a refund or barrow a lesser amount. Both my wife and I are both XXXX, my wife gets paid on the XXXX  of the month and I get paid on the XXXX Wed of the month. This has caused a financial hardship and cause us to lose close to {$400.00} in over draft fees which has caused us to not pay bills or buy my medication. Had I known I was not going to get the loan I would have never paid it off. I filed a complaint with my bank and as of today XX/XX/XXXX there has been no resolution.
Sca Collections is reporting inaccurate information on my XXXX CREDIT REPORT {$110.00} open XX/XX/2016 Original creditor XXXX XXXX XXXX  I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS NEITHER THE CREDIT BUREAU ( XXXX  ) nor SCA COLLECTIONS HAS RESPONED WITH PROOF OF THIS INFORMATION This is a result of identity Theft.
I received my coupon from Nationstar Mortgage for XXXX payment and saw it had increased by {$830.00}. When I called them to inquire why, they said my 10 year adjustable rate interest only note had set to principle and interest and amortized over 20 years to be paid in full. I asked why I was n't notified sooner and was told I was sent a letter in XXXX. Since I had never received it, ( my mortgage was transferred to them from XXXX in XXXX ) they just sent me a copy ( received today ). I 'm blindsided! Had I seen it earlier I would have applied for a Harp loan to make this payment more affordable. I did apply and was turned down because of the 30 day late notice from my second trust holder, XXXX, placed on my credit report this month! 
When I got these loans back in XXXX XXXX, my husband had just died 6 months earlier, and my son was going off to college. I am the original owner of this home since XXXX and I would never had placed a 1st trust mortgage with a 2nd trust equity line ( needed because my son was going to college ) with a 10 year knife hanging over my head knowing both mortgages would set at the same time and increase my payments combined by {$1800.00} a month without doing something about it before it happened. Now I stand to lose my house because I just learned today when I applied for a Harp loan that the second trust holder, XXXX put a 30 day late payment on my credit because my payment went up with them as well and my automatic payment to them was insufficient. Now I am told with the 30 day late ( my first ) I can not apply for a Harp loan. I am going to be forced out of a house I have lived in over 30 years into housing that will be more expensive at the age of XXXX! Why? 
I 'm asking for these lenders to work with me and not force me out of my home. If I 've made my payments on time, every time, except for this month with XXXX over lack of communication, why ca n't I get approved for a fixed rate harp loan, amortized over 30 years while interest rates are low? While I tried several times, I was told I ca n't qualify for a regular refinance because my ratios are too high! XXXX says they wo n't even send me a statement until I pay what is owed fully. What they report as delinquent is not the amount owed. I am shaking my head. How can something like this happen? Is it the intention of the banking industry to put people out on the street with these predatory lending practices and dangerous loans? I got a loan I could afford when I needed it most and never realized it could jump almost {$2000.00} in one month for the next 20 years, especially without due notice. As soon as I found out I called the lenders and asked for help, having it fall on deaf ears and my credit destroyed. Can you help?
We were waiting for about two years to sell my house to a client and the bank keeps on telling me to renew my personal documents. This is due to us having another bank that they both ask me to renew my documents and after long periods of them asking me and me giving them everything they asked for, they got mad for no reason and told me that they don't want it anymore because apparently I took too long to send the documents that I always sent on time and they are putting the house under foreclosure.
I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
On XX/XX/XXXX, I paid off my credit card with Capital One online, an amount of roughly {$10000.00}. I was told that I had a pending charge of {$23.00} on XX/XX/XXXX, so I spoke with a representative to pay the balance off, and I was told that my account was paid-in-full and there were no additional charges/fees.

On XX/XX/XXXX, I received a notification from Capital One stating that I have an interest charge of {$41.00}, even though I was told there were no additional charges/fees on my account. I spoke with a manager, and I was told the charges were applied because of residual interest charges, and the charge would not be waived. I explained that telling customers their accounts are paid-in-full and then applying an interest charge after the fact is misleading and not a good business practice. Supervisor responded by saying the charges will stand. 

I was a customer of Capital One for well over a decade, and this is how I was treated. I was given misinformation, and the company couldn't understand their wrongdoing.
XXXX Hospital did not file my insurance correctly which caused my insurance not to pay the full amount of the bill which now has been added to my credit and has damaged my credit. I explained to the collection agency that i am XXXX and i am on XXXX and XXXX which pays 100 percent of all medical bills and the hospital would need to file the proper insurance to get the proper payments and they refuse. I am on a limited income and can not afford to pay my medical bills which is why i am approved for both insurances. They will not fix their error which is continuing to damage my credit severally.