WillisBack/dataset-financial-user-claim huggingface dataset:
I applied to Quicken Loans for a refinance, combining a 1st and 2nd mortgage in XX/XX/XXXX Although I found the process extremely invasive, at first everything went smoothly due to my excellent credit. I was offered a conventional loan which I found acceptable. 
After about 6 weeks, my closing was scheduled on XX/XX/XXXX However, IMMEDIATELY after closing was scheduled, a judgement " suddenly '' appeared against my ex-wife. I had been divorced for 4 years at this point. 
I had submitted a Divorce Decree, and a notarized Quit Claim Deed to Quicken, which clearly removed my ex-wife from all claims to the property. None of this was honored. 
I believe that Quicken knew about this judgement, and colluded with my 2nd lien holder to make it appear, so that I would be pressured in to financing it. 
Quicken then made an offer which required me to pay for my ex-wife 's judgement at closing. I rejected this offer, expressed my extreme distrust, and indicated that I was done with Quicken.

In spite of my rejection of them, and expression of distrust, Quicken then offered me another product, an FHA loan, which was completely unacceptable, and which I outright rejected. 
So, after a mysterious judgement suddenly appearing, and my subsequent rejection of Quickens offers, they send me a letter saying that I was " Denied '' financing due to my credit. 
I rejected them, repeatedly, yet they are reporting that they denied me! Furthermore, they said that they would not report this to any Credit Bureau! 
How is this possible? How are they able to lie like this? 
I have entire email streams that prove they were consistently trying to finance me, and that prove that I flatly rejected them. At the time that they created this fiction, my credit score was XXXX. 
My complaint is that Quicken has lied about the nature of the refinance not happening, and that they knew about a pending judgement, but hoped to use it to their advantage. 
I've attached documents which prove that they created a false pretense for the refi not happening
Receive a voice message ( call was from a spoofed NY number ) from someone identifying herself as XXXX XXXX. Did not state what company but stated that she has some paperwork for me to sign. She has a request under my name and ss #. She stated that she would place me on her schedule and I must sign for the documents regarding a claim that an office placed against me. Stated the paperwork would be derived on XX/XX/18. If I had questions I was to call XXXX with reference # XXXX. 
I called the office on Saturday morning they were closed but identified themselves as XXXX XXXX XXXX. I have seen other complaints on your site about this company as well. I called the number again today ( Monday XX/XX/18 ) and spoke with XXXX XXXX. He stated that I had a defaulted contract with XXXX XXXX. I requested to see the information in writing via US Postal mail. He wanted to email the info, I again requested the information in writing. How do I know that this isnt a scam? 
Received another voice message from XXXX XXXX ( XXXX ) same spoofed number as before. She stated that since she had not received information from the client she was going to go ahead and stop by my residence and to have the paperwork signed. When I attempted to call her back the line is busy. Confirming that it is not a real phone number. 

On XX/XX/18 I accepted a settlement with XXXX XXXX, per our email. I also provided them with the banking info as requested in the time frame requested. The next day I emailed them and they told me that I missed the deadline. Which is absolutely erroneous. I provided them with the requested information appropriately 2 hours after the request. This should not be a matter for me to be threated to sue or any other threat imposed. XXXX XXXX with XXXX XXXX XXXX certainly didnt try to assist with contacting XXXX XXXX person either. I am VERY concerned here. Assistance with resolution is most appreciated.
OnXX/XX/XXXXI filed a dispute with XXXX XXXX XXXX on some information I saw on my consumer report. On XX/XX/XXXX, I received a letter stating the information was verified and nothing would be changed. I called in because my request to them stated that I had no knowledge of these accounts and they need to send me whatever documents that they verified their reporting with. Instead they sent letters basically saying it's been verified without the proof that's required according to the FCRA.

XX/XX/XXXX I called in and got a rep named XXXX  who told me that they have no right to see any documentation from the banks, " they just report it! '' He went on to tell me I should instead call the banks. I told him that I did have plans of contact the banks on the report, but as a CRA XXXX XXXX XXXX  was supposed to not only see signed documents prior to reporting this false data, but they were also supposed to be able to provide in the event of a dispute.I realized that he didn't really understand the severity of what he was admitting on that recorded phone call so I asked for a supervisor. He told me that a supervisor was not available at the moment and I told him I could hold. He said I could hold and ended the call.XX/XX/XXXX I called back in to EWS got a rep named XXXX. When I asked her for a supervisor she offered to help me in attempts to deescalate the call. She was more crafty than XXXX with her wording, but offered the same option to contact the bank directly because " they have no business seeing things between me and the bank ... they only report it. '' It seems that's all they train their reps to say.

So hear I am to file a complaint in hopes of getting these accounts that were started without my knowledge off of my XXXX XXXX XXXX  consumer report. It is unfair and unlawful to report inaccurate information that has such great impact on consumers. I am asking that you not only intervene to make XXXX XXXX XXXX  investigate the accounts they report and obtain verifiable proof, but to also make them aware of what federal laws apply to them as a Consumer Reporting Agency.
Equifax has not yet sent me the results of my credit investigations, despite the fact that I sent the request to them nearly 2 months ago.
My name is XXXX XXXX. I had a loan from Wells Fargo Loan # XXXX for property address XXXX XXXX, XXXX, KS. It has come to my attention that Wells Fargo has a foreclosure settlement. In 2007 I missed one payment and was working on a loan modification for the loan. Wells Fargo used unfair practices when I was working on the loan modification. I ended up losing my home in XXXX of 2007 and lost my family, my job and of course a home to live. I like to pursue some type of restitution My current address XXXX XXXX XXXX, XXXX, KS XXXX phone XXXX. 
email - XXXX XXXX
I received correspondence from Eltman Law PC on XX/XX/XXXX stating that I need to fill out a form of interrogatories. It is in regards to a debt that I won a judgment on XXXX. I was the defendant in the case and there was a judgment for the defendant entered. the plaintiff filed a civil appeal that I never received any notice of the appeal. Eltman law is trying to collect on an invalid debt by representing and threatening to take legal action on the case.
Regarding claim # XXXX card was stolen, theft was reported in 48 hours, bank security measures failed to stop thieves from draining account or block card. Bank has received a signed affidavit I did not authorize the charges. Bank has received a police report. Despite clear law these are not legally required they were provided when requested and bank is using every measure possible to avoid obligations under federal law. If bank is behaving this way, they are doing the same thing to thousands of people and simply retaining the funds and assuming people do n't know the law or will simply grow tired of trying and give up. The bank is not the police. The bank is not allowed by law to police themselves and decide unilaterally whether a theft occurred or not. Instead of blaming customers, bank should augment its internal security measures on debit cards. I work hard for my money and I 'm not going to allow the bank to play games and waste my time when the law is clear. Bank has been reported to the XXXX and the OCC of the US Department of the Treasury. Also the continued responses on here that fail to answer why according to law the bank is retaining the funds are creating a pattern of evidence of clear illegal behavior. If institution can not employ adequate security measures on these cards, it 's their failing, not the customer 's.
XXXX lied about infomation on report and lied to exprion reporting agents and said thay new in fomation on me when thay lied to make exprion un block id theft block my name is XXXX XXXX XXXX
Hospital rendered service rendered on XXXX/XXXX/2016 - it has now been almost a year. The hospital fraudulently billed. My insurance company paid the bill, the hospital billed me for the copay/balance - which was also incorrect. The hospital then sent the bill to collections. I notified the hospital & insurance company in XXXX 2016 that the bill was incorrect. 
I have maintained contact with hospital & insurance company and have been attempting to resolve the issue. In XXXX 2016, my credit score was XXXX, currently it is XXXX and continues to drop over {$100.00}.
I bank with Regions bank and everytime I visit this new branch in XXXX XXXX XXXX, fl I have an issue making deposits or withdraws.I was called by the tellers telling me my bank card was closed out and they would like me to come in to issue a new one.One week passed and the new card was not there.So they canceled that card and ordered another and that XXXX never showed up as well.I became upset and asked to speak with the manager and she was rude.She told me I would just have to wait to get a card or keep coming in to make deposits and withdraws.I ended up going to another branch location in XXXX XXXX and they took care of the whole mix up and situation.I just wanted to withdraw and deposit my money.I am disappointed because i received a phone call today from the other Branch on XXXX XXXX saying that they have to right to close my account for any reason and will be doing so today, so i needed to come pick up the check or they will mail it out.XXXX was the managers name very rude, unhelpful and unknowledgeable.
inaccurate infromation never had XXXX XXXX account cra violation no knowledge of account
On XX/XX/XXXX XXXX XXXX obtained my mortgage. I paid them 33 payments from XX/XX/XXXX to XX/XX/XXXX-all cleared. ( See attached listing of payments. ) XX/XX/XXXX SPS Servicing obtained my mortgage. ( See attached letter. ) 14 payments have been made to SPS and they have all cleared. ( See attached bank statement sheets showing the payments paid. ) I received a notice from SPS telling me that one of my payments was None Sufficient Funds. I called SPS and one of the representatives told me that it was the XX/XX/XXXX payment. I went to my credit union and obtained a certified letter showing that the XX/XX/XXXX payment cleared. 
Then I called SPS again ( because my account was still showing behind 1 month ) and they told me that my previous servicer, XXXX XXXX, sent them a notification telling SPS that one of my payments to XXXX was None Sufficient Funds. SPS says that they had to pay back to XXXX one of my payments that was NSF -- -SPS took one of the payments I made to SPS and supposedly sent it to XXXX . I asked SPS to send me a copy of the notice that XXXX sent them. First they couldnt find it ; then supposedly they found it and they were going to send it to me, but I have not received it. Now my account shows 1 month late and SPS has already reported me to the credit bureaus and my credit scores have gone down. 
I called XXXX XXXX, my previous servicer, and explained the issue to them. They processed an investigation and called me back to tell me that they have not requested monies from SPS ; that my account is closed and paid with them and that they have no rights to my account and it would be illegal for them to ask SPS for monies due toward my closed account. I spoke to XXXX, at XXXX, at XXXX, email : XXXXXXXXXXXX. 
I called SPS to tell them what XXXX told me. SPS continues to tell me that one of my payments to them ( SPS ) is still showing NSF and that I am 1 payment behind. So do I owe XXXX or did one of my payments to SPS not clear? They are really confused. Its like nobody has really taken the time to review all the documents I have emailed them to make sense of this situation. 
As you can see from copies of my bank statements ( attached ) which show my payments to SPS, none of the payments have ever been None Sufficient Funds to SPS -- - And if I ever didnt have enough funds in my account, my credit union pays the withdrawal and then charges me {$30.00}. I have been trying to resolve this since XX/XX/XXXX, as you can see from the letters I have received from SPS. And of course now they want me to do a loan modification to fix the issue. I have to tell you that I really, truly feel sick to my stomach every time I have to call SPS and try to clear this up. If I owe the payment and someone can tell me, and show me, why and where I 'm wrong, I will pay it - But they can not give me a clear answer. 
PLEASE HELP ME.
This loan is with Wells Fargo. The account number is XXXX. My credit report says that I am current, current but past XXXX days XXXX times. I was not. In XXXX of XXXX I was late with a payment. I was under the understanding that all the money that I had paid extra each month had me paid ahead and I was under the understanding that I was XXXX months ahead. It was applied to the principal. As soon as I found out that I was late I paid the money. That is the only time that I was late and not 30 days late. They have me listed as late in XXXX, XXXX and XXXX and I most certainly was not 30 days late and have the canceled checks to prove it. I have disputed this account many times including with XXXX. I pay my mortgage regularily and have not once been 30 days late. They ca n't even get the dates right. Each time I dispute the accusation, all I get is the response, no that is correct and that is it. They ca n't respond anymore than that because the dates are wrong. On my home equity line of credit, they have me listed as late once. NO I WAS NOT. They have the wrong account number on the pay stub every month. My accout ends in XXXX and the stub always ends in XXXX and until it was caught they called me late. To this day is still says XXXX and I have to cross out everytime before I pay or I am stuck in line for a half an hour while they try to figure it out. I have called and complained on this as well and they simply say no it is correct. This bank is run by idiots and is a crime to anyone with common sense. They are only trying to hurt me and my wifes name because we got an attorney involved to dispute fraudelent charges on some lines that we had. I have been told by a friend in upper Management at Wells that Wells has contacted all of the local banks and not to lend to me and that Wells is to be contacted if I go to their banks looking for money to borrow. This is black balling and is a crime in the United states of America and suit will be pending if this is not corrected. This is a serious crime and demands direct attention.
I am disturbed, this is very appalling, something that never went through the system, and that you continue to list the Current Disposition Dismissed/Closed CHXXXX as confirmed within my credit file.This is very damaging to my XXXX grandkids, my family, and is very detrimental. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. The other XXXX agencies have already deleted this data when 7 years was done. I suffered enough because I never finished this proceeding out filing chapter XXXX. Also there is no signatures. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.
It has been extremely difficult getting Chase to remove an inquiries from my credit report that I did not make. It all started in XXXX XXXX when I got an alert through XXXX regarding " my application for a chase card '' and that the card had been approved. I immediately called chase the next day being that when I got the alert it was after business hours ( if I remember correctly ). Anyway when I called chase I was pretty XXXX because they asked me for information I was uncomfortable disclosing since I had not applied for their card in order to cancel the approved card. I gave them what they were asking for such as birthday, last 4 digits or whole social security number, first and last name, address and email I think. Anyway I told them aggressively I did not request this card and I did not want it and to cancel it. I told them not to send it. I asked them how did they get my in formation to approve me for a card. Well before that they tried to sell me an identity protection product which really made me mad because I felt that there was some scam going on within the company where either someone was trying to up sales on this identity protection product or getting approved cards in peoples names for some scandalous purpose. Then I asked the question I mentioned before the previous sentence. Anyway they claimed the transaction was made through XXXX. Well I had n't applied for credit through XXXX either. So after I got through talking to them and them cancelling the card and told me they would remove the inquiry from my credit I called XXXX. I asked XXXX if they had a record of my applying for credit around this time ( Oh by the way I also notice another chase/ XXXX inquiry on my credit in XXXX XXXX at this time also XXXX. XXXX affirmed they had no record of my applying for credit in XXXX or XXXX of XXXX and I know I did n't because throughout the year I was too busy being my XXXX younger sister 's secondary caretaker. Anyway I said that because I 'm angry that I have to deal with this in the midst of grief. I contacted chase in early XXXX about the inquiries again because they were still on there. They assured me they would have them removed both from XXXX and XXXX and had sent me a letter stating they would have them masked. Fast forward I had contacted them again I think around XXXX of XXXX because they were still on the XXXXXXXX and XXXX  reports. XXXX it was showing up as XXXX as a Chase inquiry, and As an XXXX inquiry XXXX on XXXX. I never paid much attention to the XXXX alert because of my sisters illness but by the time the second alert came for the XXXX inquiry she had passed. XXXX was XXXX of the most stressful painful times in my life and I had mentioned that to them on more than XXXX occasion and yet today these inquiries are still on my XXXX and XXXX XXXX reports impacting them negatively of which I DID NOT MAKE, after I was told on more than XXXX occasion they would be removed and sent 2 separate letters months apart telling me they would be masked. Well I did n't get the masking thing either when I did n't authorize them to make the inquiry anyway.
This debt is not valid and the collections agency is refusing to stop collections on this invalid debt. The collections agency was contacted in XX/XX/XXXX after finding a negative item on my credit report. In my contact with them I was informed that I would need to contact the original creditor as my dispute was that the debt was not valid. The original creditor was contacted in XX/XX/XXXX and as a result the negative item was removed from my credit reports. 

The creditor, in XX/XX/XXXX, a full five months after the issue was resolved, has renewed collections attempts for this invalid debt and is now threatening negative/adverse action that will affect my credit report. 

Upon contact in XX/XX/XXXX, the credit collection agency was unwilling to resolve this issue despite being informed that this debt is invalid. The agency also refuses to make any effort to verify that this debt is not valid. The agency says that their attempt to contact the original creditor in XX/XX/XXXX by email constitutes the legal requirement of due dilligence on their part.
Last four of social security number : XXXX ... ... Both creditors XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX  have requested their tradelines be removed from my credit report, due to the accounts being established fraudulently. However, you are still reporting the negative fraudulent information.
i opened a credit card account with capital one back in XXXX of this year to try and fix my credit score and for some unknown reason they closed my account on me in XXXX and keep took money out of my bank account when there was no money in there to take out causing me to go in to an overdraft im struggling as it is and for capital one to do that is unacceptable im working with my bank to return the funds but capital ones actions need to be dealt with thats why im going to CFPB because you guys help with this sort of thing
I contacted On-site which is a screening company for an apartment I applied at. After disputing inaccurate information and On-Site removed the information to reflect the correct info. Then Onsite went back and changed the information that was completely inaccurate to something that was grossly inaccurate. The information they provided to the apartment, was even worse than it was before when they have the original report. I have copies of all the reports and they all state something very different. They have clearly and negligently proved erroneous and false information which is in direct violation of federal guidelines set forth by FCRA. I have contacted my attorney and asked that he file claim against On-site for defamation, fraud and negligence. I spoke to a rep who could n't explain or justify why they proved inaccurate information about me to a potential landlord. Then I asked them why when they changed the information they did not provide me 5 days notice which federal guidelines dictates they are required to do under the FCRA. The rep stated they need to verify and that 's why they went back and changed the info. When I stated that it should have been verified before changing my report to reflect the right info before, the agent got an attitude. I then asked to be transferred to a supervisor and I got hung up on.
Starting last year, I started receiving letters from XXXX XXXX, a collection agency regarding a PayPal Credit debt. I had a PayPal Credit account many years ago, before I retired, and it was included in a debt consolidation program I joined called XXXX, XXXX. When my consolidation was all paid off, XXXX sent me a letter, which, unfortunately, I no longer have. I never thought that this many years later I would receive a letter about it. To the best of my recollection, my XXXX account was completed around 2006 or so. I honestly can not remember, but it was completed a long time ago. 

XXXX XXXX is trying to collect over {$200.00} from me and I will tell you right now that I am not paying a dime. My account was paid in full by XXXX, XXXX and I have no open accounts with PayPal Credit. I want XXXX XXXX to stop harassing me. I have already told them that I will NOT respond kindly, nor will I pay this debt that I have paid a long time ago.
I had used paypal for ages for all purchasing and selling online.

I had 2 items that had cases open cases because of the item being damaged.

I called paypal and they told me to have the customer open a case and agree to a refund and that paypal would cover me for the amount. I did. 2 weeks later they are going back on their story.