WillisBack/dataset-financial-user-claim huggingface dataset:
Quicken loans accepted us for a refi on our home until the appraiser noted that the power was off at our home. A little back story, In our area SE Michigan XXXX is the only elec. provider and when they came around with smart meters we said no, I get XXXX XXXX and XXXX, I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which these things which they are calling a meter put out, very high levels in fact.XXXX will tell you that they offer an OPT-Out plan and claim that the transmitter is turned off and when called and asked an operator about this option, they immediatly take offence and get a really nasty attitude and also act like they do n't know about any OPT-OUT plan.I talked to XXXX XXXX @ Quicken loans and he basically told me he could not help me if i did not call XXXX and turn it back on. So XXXX, XXXX XXXX and 3.99 % 15yr fixed with XXXX or 7.75 % adjustable at XXXX XXXX XXXX for another 18yrs.which is what we have now.My complaint is that, it is not like it cant be turned back on. When I told the appraiser our story he looked at me like I was nuts. Quicken loans is making me choose between my wallet or my health.Discrimination, because we dont buy power from the grid in which we only have one choice which is not much of a choice. This wont be the last words on this subject.i Will be emailing, phoning and sending letters. THIS IS JUST WRONG!!!
On XXXX XXXX 2015. I applied online for a walmart credit, when I did the application I mistakenly put my physical address instead of my XXXX XXXX XXXX which I can only receive mail at XXXX XXXX XXXX They said online that I should receive a letter in the mail within 10 days when I applied online. I never received letter so I decided to call The Walmart credit card status phone number at XXXX on XXXX XXXX 2015. After being transferred to the correct person, I was then told this call is being recorded and monitoring I said ok, then she asked me to verify my identity because I was checking on the status. I gave her my social my date of birth my address etc. She then verified that it was me who applied for the credit card. She then proceeded to tell me congratulations you have been approved. Then she told me to hold on the line a minute I said ok. Then a few minutes later she returned on the phone and said that there was a problem with the computer and unfortunately I have been denied and they would send me a letter in the mail explaining why. I then asked how can I be approved then put on hold and then told that im denied? She said she was sorry but im denied. I then hung up phone. On XXXX XXXX 2015 i was sent a email from my credit report monitoring service called XXXX that I now have a new hard inquiry? I said what is this?? I then called back to XXXX credit card services and asked why was my credit pulled without my consent? I called on XXXX XXXX 2015 just to check the status of my application for credit. I was never told at any point of time that my credit was being pulled at all!! When I asked why was my credit pulled they quickly said we never pulled your credit? I have proof from my credit reporting monitoring at credit karma which is TransUnion that shows that on XXXX XXXX 2015 XXXX credit card services pulled my credit and on XXXX XXXX 2015 walmart credit card services pulled my credit again. This is clearly a violation of my rights and the FCRA that was done intentionally and negligence on behalf of walmart credit card services. I feel as though when she was putting me on hold over the phone she deliberately checked my credit without my consent for fraudulent reasons. This phone call was recorded and monitored! I am meeting with a attorney next week to file a lawsuit and supeona phone conversations from both XXXX XXXX and XXXX XXXX to show my rights have been violated.
THERE ARE SEVERAL HOSPITAL BILLS ON MY CRESIT REPORT FROM XXXX SERVICES AND I HAVE CONTACTED THEM ON SEVERAL OCCASIONS, THEY REFUSE TO HELP.
Bank account opened in my name fraudulently. Notified Citibank and credit reporting agencies. Requested information to verify accuracy of information sent to XXXX and received no response from Citibank but received incomprehensible, and inaccurate information from XXXX that does not validate the claims citibank has reported. This has caused problems with me opening a bank account.
on XXXX XXXX I sent a certified letter containg a credit validation letter to the company to validate the account which they recieved on XXXX XXXX and I never recieved a response and the item still remains on my report
My wallet was stolen on XX/XX/2013 and someone has stolen my identity and obtained credit cards and loans in my name. I have filed police report.
Adding additional details to a previous wrongful foreclosure case that did not allow the entire due process to occur, documents had not been transmitted in time, nor allowed to be transmitted in time, not only due to a technical error on the lenders end ( my sending it to them caused an error on the fax page ), possibly an error with the number or the line ... but also when awaiting further details from the EHLP Program and Social Security regarding benefits to help with structuring the forbearance and other payment arrangements, the lender proceeded to bypass those options and went immediately into foreclosure proceedings. 

Further attempts to inquire further at various locations, primarily at the University XXXX - XXXX XXXX branch, were halted and misdirected continuously and no solution was rendered. 

U.S. v. XXXX XXXX, XXXX, XXXX XXXX shows some of the fraudulent activity the bank was engaged in, especially when dealing with mortgage backed securities fraud. 

Documents regarding the XXXX case can be compiled to the misuse of funds the bank handled, while not only receiving HUD certified PMI funds, but also reclaimed the property and resold it. 

The eviction process aided in emotional damages to ailments, that eventually received their indication upon evaluation and post eviction Social Security determinations, however due to the process being such one that was slow and ongoing, did not meet the lenders requirements for immediate help and ultimately occurred after they kicked my family and I out and were left for homelessness. 

Judge XXXX XXXX made remarks regarding the wrongful foreclosure on his, " Fully Favored '' decision on the Social Security determination letter. Upon going to further therapy, XXXX was present during the wrongful foreclosure eviction, but also while engaging with employees when attempting to get clear communication and negotiations handled with US Bank representatives throughout the hardships mentioned. The diagnoses was in the process of being documented, yet was still present even before purchasing the house, due to ongoing and varying XXXX factors that did not makeup the reason for purchasing the house, but did require a safe place of shelter that allowed for recovery, which the bank upon completion of their processes, did not take into account, even when efforts to provide financial backing to recovery the property were undertaken.
I got a letter from Pro Collect indicating that they were attempting to collect a debt. I immediately mailed them asking them for : 1 ) name and address of the creditor 2 ) indication of whether this is time barred 3 ) suspension of collection efforts until they have responded. 

I got no response. 
I called on XXXX XXXX and was told I needed to email XXXX procollect. I did so. No response. 

I emailed again on XXXX XXXX and there was no response. 

I called again today ( XXXX ) and was told that I would need to email him once again. I was also told that they would not provide me with the address of the creditor. 

I saw today that the account is now being reported by credit agencies.
XXXX credit card with Citibank is reporting me as negligent and default in payment as a authorize user which I did not consent to. Now XXXX   has deducted approximately 10 points off my credit profile. I called XXXX customers service. I have requested that XXXX be deleted from my credit reports ie XXXX.XXXX and XXXX
I bank with Regions bank. I overdrew my account by {$26.00} purposely to get gas to go to work until payday on XXXX. XXXX. I expected this. On XXXX XXXX I checked my account on the regions bank mobile app it was negative {$210.00}. I was enraged. I immediately called the bank. The CSRs brushed the situation off saying there was nothing they could do. I had to get out of my character just to talk to a manager. He was also rude accused me of lying and opting in to overdraft coverage to take money when I did n't have it. I exploded, I was insulted I have been with this bank for at least XXXX years and never felt so disrespected. He finally agreed to refund {$100.00} of the fees and said he would notate the account so they would not credit the rest of my fees. I told him I would be in contact with my lawyer and hung up the phone. They rearrange transactions to take money from their customers. All of the dates on my transactions changed to reflect negatively and overdraft my account. This is flat out robbery!!
This dispute and investigation is for TransUnion Credit Bureau. I had XXXX accounts with XXXX XXXX Bank as a XXXX in college. These cards were opened at separate times, XXXX in the XXXX XXXX and the other in XXXX XXXX. After losing my job at XXXX I maintained the cards for a little bit but eventually fell behind and let everything crash. The cards were delinquent by the end of XXXX of XXXX. TransUnion has it documented that the accounts were opened in XXXX and the other in XXXX which is completely inaccurate. The accounts are way older than that and should have been deleted no later than XXXX. I have disputed with TransUnion that the dates are inaccurate and that they be deleted but they failed to do a thorough investigation and to comply. TransUnion also is stating the accounts were being paid on time from XXXX to XXXX where then I fell behind which is also untrue. The accounts have been delinquent for years prior. I believe they were allowing the creditor to falsify documents and misconstrue payment history to have the continuous right to keep pursuing me. Also in XXXX XXXX TransUnion reported the same XXXX accounts as being current late payments that went from 30 days, to 60 days, then 90 days late and so on.How can they put old debt on my credit file as being new? I have been trying to acquire a home for myself for years now and these very XXXX accounts have held me back. How can TransUnion not recognize this debt as being old given that I was XXXX at the time and I am now XXXX. I just wanted to be done with the whole situation where they could n't drop my score anymore by citing " late payments '' so I paid the debt off earlier this year. These accounts still remain on my report and I DEMAND they BOTH be removed once and for all! I am also disputing the fact that they have XXXX reported on my credit file. This account should NEVER have been to collections because I was charged twice for this debt before it went to collections ( hence the lack of payment ) because I was n't paying a third time. I had it deleted from my credit file a couple times but as the debt holders changed TransUnion keeps allowing it to come back on my report as collections which effects my score drastically. I paid the " debt '' off AGAIN in XXXX XXXX just so it would n't appear again and to protect my credit score. This account still remains on my report and I DEMAND it be deleted!
XX/XX/XXXX, I purchased a condo at XXXX XXXX XXXX XXXX, XXXX. After six months of living in the building, the developer had sold the remaining units and relinquished control of the building to the HOA. I did n't know this at the time, but the original lender, XXXX based in XXXX XXXX, Florida had falsified loan documents for many of the residents that purchased condos. Many of the new condo owners did n't even have jobs. So when it came time to pay the monthly HOA fees, only about XXXX % of the building 's residents were paying. By XX/XX/XXXX, the HOA had no money to maintain the building, and things started to get ugly. Elevators broke, vandalism ensued, trash was n't being collected and electricity was being turned off. It was at this point that I fled my condo and moved into an apartment. Two months later XX/XX/XXXX, the City of XXXX - for the first time in the history of the city - came in and condemned the building while occupants were still living in it. All units and building entrances were boarded up and the building has been in that state since then. I note that to this day, the City of XXXX has not given me anything in writing regarding the condemnation. When I went to the Dept of Unsafe Buildings XX/XX/XXXX at XXXX City Hall, I was told that they did n't condemn the building! Not sure who did, but this is what I 've had to work with. 
My original loan with XXXX XXXX Mortgage, who was also charged with fraud in a number of other projects they did ( XXXX ) was sold to XXXX, which eventually became XXXX XXXX XXXX . XXXX XXXX XXXX held the note on my condo for six years and although I repeatedly tried to enter into a deed-in-lieu of foreclosure process, the bank was unwilling to assist. XX/XX/XXXX, XXXX XXXX XXXX sold my note to Carrington Mortgage Services, which then tried to foreclose on me XX/XX/XXXX. For some reason, the foreclosure was thrown out by the judge in court, so the process went to a standstill yet again. 
It is now XX/XX/XXXX. I have been trying to foreclose or do a deed-in-lieu of foreclosure for NINE years. This process has caused immeasurable amounts of XXXX, has all but destroyed my credit, and has made it impossible for me to buy a home. While I have tried repeatedly to work with Carrington Mortgage Services regarding a deed-in-lieu, they continue to be unhelpful and uninformed. They call me every other week to ask when I am going to pay my debt. They mail me bills every other week as well. I can not pay off a mortgage that is tied to condemned asset as it can not be lived in, rented or sold. I am desperate for help and no longer know where to turn. Please assist if you are able.
PLEASE READ. 

I purchased a XXXX XXXX XXXX in XX/XX/XXXX for $ XXXX.with an interest rate of 14.99 %. Financed with Santander Consumer. It is now four years later and I still owe {$17000.00}. This is for a 72 month term. 

This interest rate is just to high and they have charged me {$810.00} in late fees. 
. 

*I 've asked them to refinance the interest rate to 8 % and they refused. The car doesn't even appreciate at the balance they say I owe, I will be upside down $ XXXX and with XXXX kids I can't afford ... and they keep adding fees.. 
( CAR IS OVER PRICED ) IT WAS A RIP OFF..AND THEY KNOW IT. 

*I have asked them to remove the negative late remarks from my credit report so that I'm able to buy my home and they refused.. I can't get them to do anything ... I don't know where else to go except the News media. 

*I 'm currently trying to buy a home and have several late charges from them due to circumstances with my divorce. The late 's that they have reported to the credit bureaus on my credit report are stopping me from buying a home ... This is the only thing on my credit report that's hurting me and my kids. my lender said that unless they have them removed from my credit report, I can't buy a house for 3 years ... .This would affect me and my kids lively hood. 

Can someone please carefully read this and research. I DON'T THINK THIS LENDER IS FAIR AND I THAT THEIR PRACTICES ARE FRAUDULENT ... .THIS IS LOAN SHARKING AND A SINGLE MOM CAN'T AFFORD THIS.
I owed a debt to this finace company.I contacted them and gave them a number to contact about my debt.I am trying to have my bills consolidated.They were contacted through my consolidaters.Since then, this woman named XXXX has been contacting people I do n't even associate with or have not talked to in years.To me this is harrasment.I do not know where she even gets their numbers from.I do n't even have there numbers.
On XX/XX/XXXX my wife and I was in the car going out of town, I logged into the NFCU online Mobile App into our Joint Checking Account using my wife 's mobile phone. I gave my wife her phone back because I was driving to check our balance. So I had my wife to call NFCU because they had some type of alert message that wasn't pertaining me. 

The NFCU Representative did speak to my wife regarding our Joint Account on XX/XX/XXXX and the alert message. So my wife requested to ask to speak to a supervisor. She told the supervisor about the inaccurate alert message under my login access. The supervisor called the certain Department to have that alert message removed. The supervisor assured my wife the message will be removed under my login access. 

On Saturday XX/XX/XXXX I used my wife phone to try to login using the NFCU App to make sure that alert message was removed, I couldn't get into our joint account using my login as usual. I tried to login using my wife second cellphone I still couldn't get into our checking account. I said maybe something was wrong with NFCU online App over the weekend. 
On XX/XX/XXXX I gave my wife permission to login on my behalf into our joint account because I was at work. We notice we still couldn't access our checking account using NFCU online App. The supervisor from XX/XX/XXXX that my wife spoke to secretly suspended my online access without saying anything to me or my wife because I gave my wife permission to access our online Joint checking to check our balance. This was sneaky and discrimination against my wife because in the year 2000 she filed for chapter XXXX bankruptcy on some of her NFCU accounts. I want my online access back because they purposely suspended my online access without notifying me first. You need to do something about NFCU or I will get a LAWYER and sue them for Discrimination.
I pulled my credit report this morning and found that XXXX has resold an account to Sunrise Credit Service for an amount of {$300.00}. This debt was first sold to XXXX XXXX XXXX.and was closed out and removed from my credit reports through the CFPB on XX/XX/18, after the collection company admitted they could not validate this debt ( 5 certified letters with no responses ). Please see XXXX 's response below. I am requesting that Sunrise cease collection and remove tradeline from all three major credit bureaus, as no company has been able to do validate this debt as mine. 

Complaint # XXXX On XX/XX/2018, this account was closed with XXXX XXXX   and returned to our client, XXXX. We will request that our information for this account be removed from the credit reports as the account is no longer placed with XXXX. To ensure resolution in this matter please contact XXXX directly. We sincerely hope this represents a satisfactory resolution to your concerns. I would invite you to contact our Compliance Department for further assistance. Our number is XXXX or you may Email : # XXXX ; Kind regards, Compliance Representative at XXXX XXXX , XXXX XXXX
XXXX and Transunion is reporting and inaccurate bankruptcy on my credit report. XXXX just recently removed it. 

I have attached a letter on company letter from the courthouse address in which both bureaus sent me an updated report on, the courthouse would be the valid furnisher. Both XXXX  and Transunion failed to validate the unverified and inaccurate bankruptcy in compliance to Fair Credit Reporting Act 601 a ( 2 ). Both bureaus have XXXX XXXX and XXXX and verification methods, but The Fair Credit Reporting Act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings. The Law clearly states date of adjudication or date of order for relief. You have no right to maintain information which the  government has deemed as non-existent. I am exercising my rights in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act that you delete this from my credit report and send me an updated copy.
XXXX XXXX, I filled out paperwork for the XXXX XXXX XXXX claims insurance which covers my auto and visa payment and I discussed payment arrangements with NFCU and made payments on XXXX XXXX, XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX while my account was placed in a XXXX ( NFCU Vehicle Payment Protection Plan ) status. Although, all the correct paperwork was filed my account was placed in the NFCU Collection Department and giving a " Delinquent Status '' & every other day I was called about making a payment while also receiving XXXX dollar checking overdraft fee & on XXXX XXXX XXXX the NFCU Collection Department took it upon themselves to raid all my NFCU accounts including my spouse 's withdrawing at least {$550.00} and applied it to the auto loan. My NFCU Vehicle Payment Protection Plan claim with XXXX XXXX XXXX was approved during this period and a payment of {$820.00} was made to NFCU on XXXX XXXX, XXXX canceling payments that I had made from the period of XXXX XXXX XXXX XXXX while determining if any additional payments were to be cancelled for XXXX. On XXXX XXXX, XXXX NFCU collection department took out {$830.00} from my account interfering with my efforts to pay my other bills. These unauthorized withdrawals by NFCU, late charge fees and harassing phone calls keep happening that my spouse closed all her accounts with NFCU and I closed my checking account but I was informed this month ( XXXX XXXX XXXX ) by NFCU collection department that they were still trying to collect from that closed account and that I owed almost {$300.00} in late fees from a " closed '' checking account. They also wanted me to reopen a checking account and have a direct deposit placed in the account instead of me making my NFCU auto and visa payment through another bank. I have asked to have my auto payment moved to another day in the month but was told that NFCU can not change or reduce auto payments.
On XX/XX/2017, I received a message on XXXX XXXX from an acquaintance that I really do n't know. She explained that a XXXX XXXX contacted her on XXXX and noticed that we were friends. My friend and XXXX XXXX used to work together. XXXX is an agent at XXXX XXXX XXXX. She sent my friend a message stating : " Hey girl, sorry to bother you but you are friends with one of my potential charge off at XXXX XXXX XXXX XXXX XXXX XXXX ... can you get her a message to call me XXXX tell her i will help her ... if you do n't mind..Thanks girl '' She has also attempted to friend me on XXXX under an assumed name, XXXX XXXX, with explicit pictures. The background photo matches the photo on her real XXXX page which is how I know now that it is her. ( I did n't know a " XXXX XXXX '' so I did n't accept the friend request. ) She is stalking me and I have no idea how many other friends she has contacted sharing my personal information. I feel very threatened! I manage a XXXX XXXXr and any agent who compromised XXXX  compliance would be terminated immediately!
My interest rate and minimum payment has increased over time, without my knowledge. Only increasing when I started utilizing my credit card. I have called  Capital One  to explain when I signed up I was suppose to have a lock in of  XXXX  minimum, they told me I use my credit card too much and that is why I have an increase in interest and minimum amount due.
I have disputed a collection on my report from XXXX XXXX XXXX XXXX who claims they are collecting on behalf of XXXX. Account number that shows is XXXX. Transunion refuses to remove this incorrect collection from my report. I am including proof I do not owe money for this. As you can see I have a {$0.00} balance with XXXX because student loans paid for this.
I called Midland Fund to find out what the debt is for and they have no record of the account for which I was calling about. I do n't show up in there system.