WillisBack/dataset-financial-user-claim huggingface dataset:
I am a XXXX years old XXXX, XXXX, having as only income SS XXXX. 
Last year, XXXX  sent me a letter warning me that their consumer 's files have been hacked and my was one of them. 
As a result I was monitoring my credit report profile. 
On XX/XX/XXXX a inquire from Quicken Loans was showing in my file. 
I complained to them that it was not mine. 
As a clear prove, I am a XXXX years old XXXX person living on social security only. 
My house is fully paid and for my age and health conditions it is not my intention in to have a mortgage. No now, No never! again : my house is fully paid. 
I complained to both, credit report bureau and Quicken loans. 
After one year of complaining I finally got a phone call today XX/XX/XXXX from Quicken Loans. 
They don't want to accept only my clear reasons why I was not the person who request a mortgage ... the reason that my credit profile was hacked is not enough ... the reason of my health condition is not enough, the reason of my age either ... 
Maliciously, the want from me to have a police report ( police doesn't want to make a report about this civil issue ) I do not have other choice than complaint to you and ask you for your help. 
I began to believe that it has been Quicken loan who has pulled out my credit report without my authorization! 
They do not care if I am a handicapped old person. It seems like they want to punish me by asking me to go to the police to fill a report??? 
See attached email. 
Please help.
XXXX XXXX does not seem to follow industry standard as it does not accept automatic payments to pay statement balances in full. 

I am fortunate enough to not have any credit issues and I am able to pay my credit card balances in full each and every month. Unfortunately, I may not always receive my electronic statements, and I prefer to have my balances be automatically paid from my payment source. 

My electronic statement from XX/XX/XXXXwas filtered as spam. As a result, I was not aware of my balance and I was charged a {$27.00} late fee on XX/XX/18. Additionally, I was charged {$8.00} in finance charges on XX/XX/18. When I became aware of this, I immediately processed a payment to pay the outstanding balance in full. 

XXXX XXXX does not provide an option to automatically pay credit card balances in full. It seems like a sham so that they can increase their collection of late fees and interest charges. This seems to be by design and I'd venture to guess that this bank ( compared to others ) has a higher proportion of its income from credit card fees. 

I have not received an answer from XXXX on why they do not provide the option to automatically pay credit card balances in full.
I instructed via a written signed letter faxed to the debt collector that all further communication is to be through my husband as he has my POA for all financial matters - a copy of which I have offered to them if requested. I gave explicit instructions that only he is authorized to deal with this matter and gave both his cell number and his email address for that purpose. Shortly after faxing that letter, my husband received a call from the debt collector. He was told that they had to talk to me. My husband said no as per the faxed letter. The debt collector said they would try to contact me later. 

Clearly they have ignored my written instructions in violation of FDCPA.
I have contacted TransUnion several times about an erroneous bankruptcy being reported on my credit report. They keep responding to me that this account is verified and accurate. How can this be, when in the enclosed documents I have provided, the court plainly states that no information is given to credit bureaus about consumers information when it comes to bankruptcies. I want this entry deleted from my credit report immediately!
OnXX/XX/XXXX I started a refinance application with Quicken Loans. All paperwork was done online and submitted online. I had a home loan and a home equity loan. The home loan was with XXXX XXXX XXXX and the equity loan was with XXXX. All i wanted to do was to combine the two loans back into one. So, that is refinance loan. I got a call from Quicken Loans, ( do n't remember the date ) telling me that in order to make the numbers work that they would have to include one of the credit card amounts in the loan. I said okay, but was not aware that this was going to make my loan a home equity loan and this was not explained to be by the Quicken Loans Representative. I really did n't realize that it was a home equity loan until a week ago. I applied for a home equity loan and the bank called me to tell me that i already had one home equity product and that in the state of Texas a person is only allowed to have one home equity product at a time. I was confused about that and so i went to look at the loan documents i had received from Quicken Loans and sure there it was. I never really looked at the documents that i received in the mail from Quicken Loans. If i was told at the time that this was going to be a home equity loan, then i could have research it and make a decision. So, I still thought it was a refinance. Part of my complaint is Quicken Loans did not disclose to me at the time that adding the credit card would make my loan a home equity loan and the other part of my complaint is the way in which the closing was done. 

Quicken Loans did not follow the law for the closing of home equity loans in the state of Texas. The law states that all closing of home equity loans are to be done in person and at a physical address and if is not, then the person would have to sign a power of attorney to have someone sign for them. If a power of attorney is assigned then all paperwork would be signed " person name by person name ". In my case none of that happen. I did not attended closing. I did not give permission or sign any power of attorney and all documents i received from XXXX XXXX, XXXX only have my name typed on the line and no initials, no notary seals on any paperwork. I did ask Quicken Loans several times where would be closing be done and they said at a office near me. Then i got a call that the closing was going to be done and I would not have to attend. All this was done in a matter of 24 days from start to finish. I applied on theXX/XX/XXXX and documents state closing wasXX/XX/XXXX.
On XXXX XXXX there were fraudulent charges made towards my debit card which my account is held by USAA. On XXXX XX/XX/2018 I attempted to log into my account to find that my account had been restricted due to possible fraud action. After speaking with a representative, they reversed the XXXX charges that were made on my card in California and Alabama ( I currently work in XXXX ) were reimbursed. I followed all instructions regarding canceling my debit, changing all personal information to include my passwords within the website. On XXXX XXXX my USAA credit card was then compromised, USAA assisted in facilitating the fraudster with accessing all my personal information regarding my account. This person was then allowed to access my account and change all my passwords, emails, phone numbers and so on. The person that got into my account was also then released the information to my external accounts allowing them the access to the basic information to my external account. They proceeded to transfer and over drawl my external account of {$5000.00}, since it was a safe account there were no red flags for this movement of money that wasnt event available. The person conducting this fraud mischief they paid my credit card then started making large purchases, now these purchases were being made when I was on the phone with representatives that told me that they seen the charges happening and were going to stop them, yet they were still processed. I had to take emergency leave to come home and try to rectify this situation and here I am on XXXX XX/XX/2018 with an account that is in the negative and due to the negligence and lack of work ethic I am unable to pay my bills or even purchase groceries for my family. I request that someone please follows up with my wife or I to provide further detail as we need assistance in getting this rectified.
I reviewed my credit report in XX/XX/XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to Ad Astra Recovery. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. This letter was sent XX/XX/XXXX and I have not received a response to date.
We closed a re-finance loan XX/XX/XXXX. We pay our own property taxes and informed the lender and the lawyer. The closing documents showed that property taxes were held by the closing office, even though we submitted proof that we had paid the taxes XX/XX/XXXX. We were told not to worry that the {$790.00} held by the closing office would be disbursed to us when our money was released. That did not occur. I attempted to contact the law firm, but they never responded. I contacted the mortgage company. They responded, but did not have the authority, I believe, to correct the situation. At this point, it would be nice to recoup the money improperly withheld by the law firm, but I am lodging the complaint to make people aware and to check the numbers as the monies are disbursed.
have not recieved valid verification of this debt and it has been XXXX days since I first disputed this debt. .I have this debt that i do not owe negatively affecting my credit score and I need it removed from all XXXX CB XXXX. It 's imperative that verification of the identity of a consumer and the amount of the debt be obtained directly from the creditor. Mere itemization ( bill ) of what the debt collector already has does not accomplish this purpose
I would like to know, where and who do I need to get in contact with to try and settle a charge off on my account. The Credit card company is telling me its the collection agency and the collection agency is telling me the credit card company that can update and remove the negative report when it 's paid.. 
Please help me with who and where I need to go.
I am charged {$14.00} every month for this service. I had questions about my credit report. I have been calling for weeks. I can not get to an agent anytime I call. I am told repeatedly that the wait time is 1-2 hours. Sometimes the recording will ask for more information and say we can not help you at this time, put your complaint in writing. If i did have a major credit issue, I would be in big trouble. You can get no help. I no longer want to pay a company to look at my credit and promises help but has such a sorry customer service. I have mailed a letter to the company detailing my complaint. I no longer want the service and just want to cancel. However, the way their contact is set up, you are thwarted at every turn. You can not cancel online. You can only call or write. When you call, you either get no one or it cuts off on you. That is not right.
I rented an apartment for my daughter and after she moved out I received a {$5100.00} invoice from the rental agency 's credit collection agency. The rent was {$790.00}. per month and she owed for two months. I concede to that, but they tacked on a bunch of charges for various items ( see letter attached ). They also kept her {$790.00} rental deposit. I kept trying to contact the rental agency to try and work a settlement with them for the two months owed. However, they refused and put {$5100.00} on my credit report. I have attached all the correspondence that I sent to them trying to work this out. I also contact the collection agency thay they used and they would not correspond with me. I had my attorney send them a letter. When they finally responded, a month later, they gave me a $ {$580.00} credit but would not rescind any of the outrageous charges. After that, they dropped the ball and I have n't received any other correspondence from them to this day, XXXX XXXX, 2015. I want to work this out for a fair and equitable settlement. Transunion said that they checked with Credit Bureau Associates and they remain steadfast with their claim.
I have disputed this entry that is reflected on my credit report by XXXX XXXX to the credit bureaus as well as to the company itself. This entry reflects that I have a balance and a past due balance ; however, I have never engaged in any business transactions nor signed any contracts with this company. In my recent dispute sent to Midland inXX/XX/2018, I requested that they provide : An agreement that stated their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary Midland failed to comply. I am requesting that this entry albeit not being validated be immediately removed from my credit reports.
Equifax refuses to send me my credit report unless I provide them with a copy of my driver license. The other credit reporting agencies have made no such requirement. XXXX have sent me my credit report when I was refused credit and both sent me my credit report when I requested a free copy. Equifax quotes my old apartment number. I told them I changed apartments and they refuse to send my report unless I send them a copy of my drivers license. It is my understanding that everyone does not have to send the credit reporting agencies a copy of their drivers license whenever they move. I am beginning to feel Equifax is discriminating against me because I cancelled their for-pay service.
I have inquiries on my credit file that were not authorized by me. I understant inquireis are placed on your credit report. However, that is only if you authorize as such. During the time these inquiries were placed, I had a credit alert on my file. The credit alert clearly indicates to contact me via phone, which the correct number is on file to verify my identity by showing proof of ID. Despite the failed attempt to verify myself from these companies, my credit was still pushed through without my consent, which caused a hard inquiry that affected my score. What was the purpose of having a credit alert if it would not be enforced? None of these inquiries are associated to any accounts that I have or have had.
I have a collection agency that has been harasses my family for me and they tell everyone that they are the cops and they are putting me in jail and telling everyone they are a collection agency and they call me and tell me that they are going to put me in jail if I do n't give them my place of employment. And to top it all off I believe this bill is over 7 years old! I need help cause they are calling me all day on my cell phone and I 've told them several times to stop calling my cell phone. I believe it is rent a center in XXXX. And I live in XXXX
Asked for the amount to the debt to be validated. I did n't receive anything from them in the required 30 days.
XX/XX/18, I called XXXX XXXX, Serviced by XXXX XXXX Servicing, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, to ask for the final total amount to pay off my mortgage, I called at XXXX AM. The gentleman I spoke with said he could not give me a payoff amount, said a supervisor would email me an amount within 2 hours. At XXXX PM I hadn't received a email so I called again and again was told they could not give me a payoff amount. I said, you have asked me a lot of personal information ( SS #, loan #, name, address ) and still you can't give me a payoff amount? 
I asked to speak to a supervisor and was told that none are in the building?? I said there isn't one supervisor available in the entire building available for me to speak to and was told no. I don't understand how this company can do business like this and why I just can not be given my total amount of the mortgage so I can pay it off. This to me says something is wrong and why are they hiding my information from me? Please see if you can help me or if you could direct me to someone who can because this whole thing seems very fishy. Thank you for your assistance.
I use to live in XXXX XXXX XXXXafter leaving I had n't final walk through with the apartment manager at the time, who advised that my deposit in file will be used for cleaning the oven fee.. No other bill/invoice was sent to me.. Even after providing my fowarding address to the propert manager. I then revived harassing calls from an collection agency after a year.. When I inquired on why I never revived either a bill/invoice. I also at the time inquired with the women what happen to my deposit that was on file. She advised that has nothing to do with her. The company refuse to provide my original lease information from 2006 when I moved into the property with my deposite.
On XX/XX/XXXX I submitted a dispute to XXXX requesting an investigation into an inaccurate information being reported on my credit report. Bankruptcy ( public record : ref # XXXX filed on XX/XX/2008 don't belong in my credit report. 

I've noticed after doing some investigation the court information on this bankruptcy did not match my SSN and the responsibility party ( joint ) as stated in this Bankruptcy does not match my spouse 's name. The only thing matching is the name. 

On XX/XX/XXXX, XXXX  sent me an email stating their investigation did not fix the error on my credit report because TransUnion and XXXX  companies that reported the information to them was certified. No other explanation was given.
PLEASE HELP!!! 
Two money transfers between XXXX  XXXX XXXX and XXXX XXXX using " XXXX '' application to PHONENUMBER ( XXXX ) XXXX as follow : 1 ) $ XXXXUSD sent on XX/XX/XXXX from XXXX XXXX XXXX to XXXX XXXX XXXX . 
2- $ XXXXUSD sent on XX/XX/XXXX from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX . 
Both were received at SunTrust Bank account for an individual named " XXXX '' we do not know his last name. 
My wife went to XXXX XXXX to find out who was the previous owner of her telephone line prior XX/XX/XXXX ( date she purchased that line ). They said, they could not provide that information to her ; even though she explained the emergency. 
She tried to call the people that sent texts to the prior owner. They answered " I don't know XXXX 's last name ''. 
We called SunTrust and they told us " Initiate a research with XXXX  XXXX XXXX '', I started the Dispute charge back. 
After 23 days of that investigation, I received a letter, telling me that they couldn't find the " recipient '' who " retained '' my money and " they consider this matter resolved ''. 
We are honest people that work 40 hours per week in order to get paid, not to get robed. We worked for that money and it is really frustrating thinking about the " recipient '' having fun with our funds. 
That person could be someone that is trained to run this type of fraud. My wife had that telephone number until XX/XX/XXXX and decided to change it to a new number because all messages were about " disgusting services ''. 
We really appreciate the time and help you can provide. Thank you.
caller calls me at work from XXXX XXXX and gives a XXXX XXXX number to call regarding being served by uniformed officers regarding a legal case. no other information is given other than a case # and the name of coastline associates. when i look up the number they give to call i am finding scam alerts for credit card debt collection. I dont have any credit cards and i have never received any information by mail regarding debt collections
1. The Plaintiff, for its Complaint against the Defendant, states and alleges as follows : 2. The Plaintiff,  XXXX ( hereinafter XXXX ) is a resident of, North Dakota. 
3. The Defendant, Red River Collections , Inc. ( hereinafter Red River Collections ), is a North Dakota Corporation, with its principle place of business at XXXX XXXX XXXX XXXX XXXX, XXXX, North Dakota XXXX in XXXX County, North Dakota. 
4. This court has legal jurisdiction in this matter.

5. Red River Collections is a debt collector for XXXX XXXX. They allege XXXX owes {$990.00}. 
6. Red River Collections has reported said account as a negative remark on XXXX Credit Reports. 
7. By Red River Collections reporting inaccurate information regarding XXXX has caused Defamation and Financial Injury as outlined in the US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX vs. XXXX XXXX. 
8. Said negative remark has been and is damaging to XXXX credit score. 
9. On XX/XX/2018, XXXX sent a letter to Red River Collections for validation of said account ; NO RESPONSE was received by Red River Collections. 
10. Evidence will show Red River Collections received the letter on XX/XX/2018 at XXXX XXXX 
11. Red River Collections failed to report to the credit reporting agencies the item was being disputed. 
12. Red River Collections failed to abide by Fair Credit Reporting Act Section 623 and Fair Debt Collection Practices Act Section 807 ( 8 ) by not reporting the item as disputed. 
13. They also violated Fair Debt Collection Practices Act Section 809 ( b ), FTC opinion letter Cass from XXXX by continuing collection activity when they sent the Plaintiff a Summons and Complaint on XX/XX/2018. 
14. Red River Collections still continues to damage XXXX credit score by reporting this Innacurate information to the credit bureaus. 
15. Failure to response to said letter violated the Fair Debt Collection Practices Act ( Section 807-8 ) and violated the Fair Credit Reporting Act ( Section 623-b ).
We incorrectly received a delinquent notice dated XXXX/XXXX/XXXX for our line of credit acct for past due amt {$150.00}. We had made 2 prev pmts of {$500.00} on XXXX/XXXX/XXXX and {$500.00} on XXXX/XXXX/XXXX. Both pmts were made via paper check ( mail ) through the same bank XXXX XXXX XXXX that our LOC acct is at and both cleared our checking acct. Upon online investigation the 1st XXXX pmt was reversed on XXXX and {$340.00} of the 2nd {$500.00} pmt was reversed on XXXX/XXXX/XXXX. The local XXXX branch where loan was opened stated they could not help as they only open the accts and I was given a number to call. XXXX contact that same day XXXX XXXX/XXXX/XXXX XXXX to XXXX rep was no help- no explanation of delinquent notice or pmt reversals. I was promised a return call next day-never happened. 2nd phone call on XXXX/XXXX/XXXX also brought no answers. There was again a promise of a return call which did not happen. We have also sent an online message through our bank and no one has responded. We would like to know our rights as XXXX Bank is illegally charging us interest, refusing to post our pmts, keeping the funds from reversed pmts on this account XXXX our checking accts were not reimbursed for the reversal of either pmt ) and ruining our credit with false delinquent notices on a timely account. Please advise.
I submitted my most recent student loan payment to Navient on XXXX/XXXX/2017 ( over twenty-four hours before it was due on XXXX/XXXX/2017 ). I immediately received an email receipt confirming that my payment had been submitted. I was informed on XXXX/XXXX/2017 that my payment was " overdue. '' Turns out that Navient had not sent the request to my bank until XXXX/XXXX/2017, a full five days after I had submitted the payment. The payment was finally processed later in the day on XXXX/XXXX/2017. I am now worried that I will be charged a late fee, not to mention the repercussions this could have on my credit score.
Based on review of my XXXX Credit Report noted there was an outstanding item of {$57.00}. XXXX Customer Service advised the debt was medical expense and being reported by ARC Management Company. 
Requested to dispute the {$57.00} since no information was provided to verify the debit. 
The {$57.00} is not reported on the other credit reporting bureaus