WillisBack/dataset-financial-user-claim huggingface dataset:
PLEASE KEEP IN MIND I ONLY WANT A LIMIT INCREASE TO BUILD MY CREDIT SCORE FOR BUSINESS CREDIT I HAVE NO DESIRE TO GO ABOVE 10 PERCENT UTILIZATION. I JUST WANT TO GET OUT OF THE SUBPRIME CREDIT TRAP Hey XXXX, I know youre a busy man so I do not want to take to much of your time. I will be direct and to the point. I have a capital one journey account thats 3 years and 3 months old. I want to thank you guys for giving me credit when I had no credit. My main issue is my credit limit is only XXXX dollars. I graduated college and now I am making XXXX a year. I can afford a XXXX limit. 

This credit limit of XXXX does not match my current income. Also this keeps me at SUBPRIME CREDIT... 

I do not like using this card because my limit is sooooooo low. 

IF YOU CAN HELP ME RAISE MY LIMIT ABOVE 10K I will be indebted to you!!!!! 
I never complained to the XXXX XXXX XXXX Please increase my limit XXXX 10k or above will take me out of subprime and I will be able to get funded for my business. 
THIS WOULD CHANGE MY LIFE FOR THE BETTER MY DESIRED LIMIT IS XXXX BUT IM GREATFUL FOR ANYTHING MORE THAN 10K I AM TRYING TO BUILD MY BUSINESS CREDIT. 

THANKS FOR YOUR TIME HERE ARE MY ACCOUNT DETAILS : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX LAST FOUR OF CARD NUMBER : XXXX
Enclosed are detailed transactions from my bank statements and credit card accounts for my XXXX XXXX XXXX account for XXXX, XXXX, XXXX and XXXX. XXXX XXXX XXXX " rolled my payments '' and reported all of these months late. Payments were made within 30 days. Therefore, my credit report should not be reporting late or delinquent for any of the months. Please see attached and update immediately.
I have a private loan with Navient that was formerly XXXX XXXX. I started paying in 2006 and I have never defaulted or been late on a payment. I have been on forbearance a couple of times. After making many, many payments my original total {$10000.00} the balance has gone down less than {$200.00} on the XXXX loans I have with them. 
In the beginning of my loan they added on " capitalized interest '' in varying amounts from $ XXXX- {$1200.00}. They added that to my balance so they effectively have been charging me interest on top of interest. My interest rates are 7.5 % on XXXX of the loans and 9.5. % on the XXXX. 
I think the way they applied my payments, guaranteed that my principal balance would never go down. In fact, if I came close, my payment due adjusted to a slightly smaller amount. 
I am frustrated and have been discouraged that after paying thousands of dollars on this {$10000.00} the balance has only gone down {$200.00}.
I tried to use the gift card for an online purchase but it was declined. I contacted the gift card issuer and they said that I needed to register the card online to use it for an online purchase which is not stated in their card member agreement as they stated. They then told me that it would be 10 days before the funds will be returned to the card and claim that was also on the card member agreement which it was not. The money is still not returned to the card after 10 days. 
Blackhawk Network XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
I called them and they said that my social security number does not match the account, then they told me that the account is not in there system.the person told me that I 'm no way tied to this at all since my social security number does not match.
I have noticed that AMEX have placed an inquiry on my XXXX credit file dated XX/XX/2018. 

I spoke XXXX a XXXX customer service rep on XX/XX/2018 and was told he cant an unauthorized hard inquiry. 

As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

XXXX report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; ''
A " representative " by the name XXXX XXXX from Weistein Karp and Associates, continues to call and text me repeatedly at all hours of the day from blocked numbers. First and foremost, I do not answer blocked calls. Secondly, this person continues to leave " smart allec " and condescending comments in an attempt to belittle me. This " company " failed to follow appropriate collection activity that in turn, violated the Fair Credit Debt Collection Act. This person is using legal terminology in attempts to harass and cause intentional emotional discomfort. I have contacted local law enforcement because it now has become Menacing under the XXXX. This agent can not even pronounce my name correctly. This person continuously calls back to back from blocked/unknown numbers. Finally leaving inappropriate messages.
In XX/XX/XXXX I submitted a letter to XXXX to ask them to explain why XX/XX/XXXXpayment reporting is showing 90 days late in which the account suppose to be in forbearance status. When I contacted them back in XX/XX/XXXX to ask them that due to financial hard time I would like to put my account in forbearance status until my personal situation change. They approved my request and I was told that they will " back date the forbearance so it doesn't appear late to the credit reporting agencies ''. I have requested recording and documentation showing proof that they stated they will back date the forbearance. I haven't received any documentation transcript or documentation of my request. Also XXXX  is reporting a 90 day late on XX/XX/XXXX, but the XXXX and XX/XX/XXXX is reporting current. How is that? XXXX is not cooperating with my request I would like to receive the transcripts of the conversation n that took place in XX/XX/XXXX about backdating my forbearance so it doesn't appear late. XXXX  haven't provided me with verification of the conversation. I was promise that they will approve the request.

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On XX/XX/XXXX18 I noticed a credit inquiry I do not recognize. 
I ask that the following Inquiry be deleted from my credit report : XXXX XXXX In addition I request that each CRA provide the source documentation used to verify the validity of this reporting.
My husband and I filed for bankruptcy in XX/XX/XXXX. We filed in XX/XX/XXXX and it was discharged in XX/XX/XXXX. Our home was included in this filing however, we still own and live in the home. Our lien holder XXXX, is reporting on our credit report as the first reporting date was XX/XX/XXXX and not in XX/XX/XXXX.  When questioned, they sent a letter which I will attach. I do not want this liability removed, I want it updated with the correct reporting date of XX/XX/XXXX and not XX/XX/XXXX. By XXXX not reporting this accurately, it is unjust and illegal. This is in direct violation of the Fair Credit Reporting Act. I would like this updated immediately. I have also attached our bankruptcy discharge paperwork.
On XX/XX/2017, I was contacted by an individual who told me they were serving me summons papers that I would need to sign for. She then gave me a toll free number to call to find out what the papers were regarding. I then contacted XXXX First Management out of California. They told me that XXXX was filing a civil lawsuit against me in XXXX County, Idaho and that I needed to either pay a settlement of just over {$2100.00} or be sued for over {$6000.00} plus court costs and fees. They threatened to garnish my wages, put a lien on my property, report this to the credit bureaus and require me to spend time in court if I did not settle immediately. I paid the settlement amount with a credit card before looking up consumer debt collection laws because they were threatening me and I was terrified of what a lawsuit could do to my credit and my family and my job. I called the company back and told them I believed what they did was illegal and I would like to cancel the payment to them. They then told me that a " tolling statute, '' allowed them to pause the statute of limitations and therefore, they could sue me and it would be totally legal. I would like to be refunded my payment of {$2100.00} since they collected it from me illegally by threatening to sue me.
My full name is XXXX XXXX XXXX XXXX. Somehow another name was added to my personal information causing me to have negative accounts in collection affiliated with that name.
I am a Citizens Bank " Cash Back '' Credit Card holder. I pay my balance monthly, an investigation needs to be launch as to certain features of the Credit Card do not or are not recognized by the bank. Citizens needs to stop advertising the credit card as a " cash back '' credit card when they fail to give cash back as in comparison to a XXXX XXXX credit card/ cash back or a XXXX XXXX, ca sh back credit card. The features that they consider to offer the cash back allowance on, Gas, groceries, restaurants and types of entertaining, are not or do not meet their standards towards a cash back award. There fore they are not and should not advertise or engage in deceptive engagement of selling their credit card product as a " Cash Back '' instrument of the industry. 
This failure needs to be investigated and if found to be illigitament, they need to have their product removed and pay the amounts stated for they 're cash back programs. 
I also found that they created a monthly payment amount that was n't agreed upon by myself and without my knowledge, that created fees to my associated " checking account, '' from which they withdrew funds, again without my permission.
I have a rushcard and they sent out an email last week saying they was going to be doing updates on XXXX/XXXX/2015. That was fine and went I went to check my account the little I did have in there was gone. They made an statement that whoever was getting paid 2 days early or the day before will not get it until their payday. Today XXXX/XXXX/2015 is my payday and I have n't not got anything. I check my card on XXXX/XXXX/2015 it was money on my card and then when I went back to check it again it was gone. I have bills that are due and kids that need stuff. Rushcard mess up everything. Once I get my money from them I 'm done. I have to pay a late fee on my bills and figure how to get the stuff my kids need. This is not fair. I been calling all day and I get the same story, that they trying to fix the problem and they will send out a text when it 's up and working. My plans had to get cancel cause of this. I have to figure out how I 'm going to get to work on Sunday.
I do not now nor have I had an account with XXXX. This is a non existent invalid debt.
SOURCE RECEIVABLES MNG is reporting negativity on my credit reports ( XXXX XXXX XXXX XXXX  XXXX. This account was supposed to be deleted when it was paid. They 're still actively reporting as a current negative account. I need them to remove based on the agreement we had ... they said they would remove it when it was paid ... Please delete from my records ...
I have a CARECREDIT card that was utilized in two separate transactions. I set up an auto-pay for well over what would have been needed to pay off the first purchase in the " promotional period ''. I then noticed on the next to the last statement that the payments are not applied in such a manner that the promotional balance is being paid off first ( which is convenient for the credit company due to their strict language of penalties if not paid off ). I then sent in an additional payment and indicated on the check and on the bill statement that the payment should go the promotional balance ONLY. I went ahead and called just to make sure that this was done according to my wishes. The customer service rep told me that they will ONLY apply to one balance over the other IF you call to request this. I was told that only because my promotional period was not expired yet that they would do this for me. I subsequently looked at the reviews online and see that this is an ongoing issue for many poor people looking to get help with our exorbitant health care costs. It is a shame that companies like this are able to take advantage of us. Nowhere on the statement does it say that you have to CALL in order to apply to the correct balance. I am not out any money because I am conscientious, unlike many of the poor souls that I read about on the credit rating companies. This should be stopped.
I called PNC Bank on at least three occasions to inquire as to whether I could have the escrow removed from my mortgage. Each time I called, I was told that it would be no problem and that I simply needed to pay the items currently escrowed, property insurance and property taxes, and provide proof that the items were paid in full along with a written request to remove the escrow requirement. As such, in early XX/XX/XXXX I purchased and paid in full an insurance policy along with paying my XX/XX/XXXX taxes, which are payable in XX/XX/XXXX, in full. Immediately after, I sent an email to PNC per the instructions from the customer service representatives that I spoke to, including statements and receipts for the property insurance and tax payments. I was initially given the wrong email address, so I did not get a timely response and called to inquire, when I was given a different email address. I resubmitted the request and supporting documentation and received a reply about a week later denying my request. The reason for the denial were that my loan to value ratio exceeded 80 % and I had an active mortgage insurance policy on the loan. 

At no time was I told that my request to remove escrow was contingent on anything. Each of the three representatives that I spoke to assured me that I only needed to submit the request with evidence that the tax and insurance had been fully paid. As a result of those phone calls, I made the decision to pay those items in advance. This decision was made with consideration of my budget and the impact that a lower monthly payment and refund of funds currently in escrow would have. In other words, I was planning to pay for these items with the escrow funds that would be returned to me and the money saved each month. 

I have appealed this denial through the Chief Customer Officer at PNC, XXXX XXXX. She delegated the appeal to XXXX XXXX. I have voiced my concerns with XXXX XXXX, however her position is that due to the LTV and mortgage insurance issues they will not do anything about the erroneous information I received. She told me she listened to one of the three calls I made and admitted that the response was ambiguous. She stated she was unable to locate the other two calls. 

I would not have purchased this policy or prepaid my taxes if I knew there were a chance that I could not remove the escrow requirement ; there is no reason to outlay those funds twice. I believe it's clear from my actions that I was told the process to remove the escrow and that there would be no issue with the request. Why would I be told to submit evidence of payment if there were a chance it would be denied?
My auto payment per month to the LOANCARE company is {$1800.00} but in XX/XX/XXXX they charge me {$3600.00}. So I call them and they said they wo n't charge me in XX/XX/XXXX but they still charge me in XX/XX/XXXX that make me spend over budget and I have to pay the over drafting fee. But luckily I call my bank and they agree to give me back my over drafting fee because it is the first time. Then I receive an email from LOANCARE company saying that they wo n't charge me for XX/XX/XXXX. 
After reading that email, I left my guard down so I did n't print out that email and now it is no longer in my inbox. They charged me in XX/XX/XXXX that make my account went overbalance again then they gave it the money back but they did n't give me the over drafting fee. So I have to call my bank again and they agree to give the over drafting fee back to me. 
But on the XX/XX/XXXX, they charge me again and now I have to pay the over drafting fee because my bank wo n't give it back to me. So I call the LOANCARE customer again, they said I have to send them an email explaining what happened and they will give me a ticket number then I will wait for their call back for a solution. But they never call me back nor send me a reply email. 
I 'm still waiting for their response but now all I get is a letter saying that I have to pay a returned check fee to their LOANCARE company.
I was a victim of identity theft. Several accounts were opened and managed without my authorization. Once I was able to find out, I filed a police report, an identity theft affidavit, and several disputes explaining the situation, pursuant section 605 of the FCRA. In addition to that, I also submitted the same documents to these creditors to support my claim. Experian has failed to comply with section 611 of the FCRA by not properly investigating this account. I was a victim of identity theft, and I should n't have to be responsible for something I did not do.
I originally disputed a medical bill from XXXX that clearly did not belong to me. I have never heard of the hospital XXXX XXXX Hospital ( which is what shows as the original debt for {$160.00} ), and its is in a totally different state than I reside in. I have never been to nor have I received services from them I have never even traveled to the city that its located in. The entry was disputed and removed because it did not belong to me and could not be validated, on XX/XX/XXXX after checking my transunion credit report its appears as if it was illegally reinserted. I would like this removed immediately and not reported again to my transunion or and other credit bureau. This absolutely does not belong to me. The impact that this {$160.00} medical bill has had on my credit is detrimental and needs to be removed immediately.
I am trying to get help with my loans and the collection agency is not helping me whatsoever. I am being garnished and due to that, I am now being evicted. I spoke with XXXX XXXX and he said the only thing I can do is pay this off. Which would be great unless I am not able to do that apparently if I am already being evicted because of this. I am not trying to not pay my loans back but I need help from my lender and they are no help at all.
I received a letter from the payroll department last week at work that they had received an order to garnish a percentage of my wages due to an alleged debt that I owed. 

This communication allegedly came to them from from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX. This was the first I heard about this alleged judgement of Wage Execution and had received no prior communication about it. 

When I called XXXX XXXX I was told that the {$11.00}, XXXX. XXXX debt now belonged to the law offices of XXXX, XXXX and XXXX. I called that office and was told that the debt was from XX/XX/1994 and attached to a XXXX XXXX and that the judgment was against my ex-husband and me. 

I did not take out this credit card and was unaware of any debt attached to it. They have now started garnishing my wages, effective XX/XX/2018 because I am employed and my ex-husband -- who I have been divorced from for nine years -- is not. 

This is not my debt and I was never notified about this debt from anyone. I want the wage garnishment to be stopped immediately. 

I tried resolving this with XXXX, XXXX and XXXX and they told me because my ex-husband has no assets to garnish they are coming after me.
I put through a stop payment on withdrawals from my checking account in XX/XX/XXXX. The stop payment was on monthly electronic withdrawals from XXXX XXXX. Huntington Bank returned the XX/XX/XXXX payment. However, in XX/XX/XXXX the Bank did not catch the stop payment and put it through charging my account the {$68.00}. When I called Customer Service, I was told that because the electronic debit had a date behind the name, the Bank did not recognize this as the stop payment. XXXX XXXX always puts a date behind their name and it was not a problem in XX/XX/XXXX when it was stopped. All of a sudden it became a problem for the bank to catch it. Customer Service also kept referring to a paper check rather than an electronic debit which is how I had indicated the stop payment. Nothing had ever been said about a paper check.
XXXX is my case number with institution. 

I simply accessed my online account in XXXX of XXXX to switch auto-draft accounts from one bank to another. When doing so, the website explained that it would take 30 days to reflect the changes. What actually happened, is they removed the current banking information immediately and waited 30 days to update the new account. In turn, I was balancing my checkbook for the month of XXXX, and realized my mortgage payment had not been deducted. I called Stearns immediately. They stated that I was 32 days delinquent on my account. I asked why they did not attempt to contact me ( after verifying all of my account information was correct, something they ask every time you log in ). They had no answers. Why would they have not called or emailed if I was late? I resolved the payment issue immediately and asked them if they had reported it to the credit bureaus. They stated that they report 30 days delinquency ( essentially I was 2 days late ). I asked for a reversal they said I would have to dispute via an online application, which I did, 3 separate times. It is now 4 months later and I have not received correspondence to correct this issue. My credit score has dropped over 120 points for the one discrepancy. My score went from a XXXX to a XXXX overnight. I am now getting declined for premier credit cards ( which I had no problems previously ) and my student loans payment has increased by 1 full point as there is an adjustable rate which is dependent on your credit score as a factor. This is costing me a substantial amount of financial distress. I feel that Stearns should remove the delinquent report immediately. Their website verbiage was misleading, and they made ZERO attempt to contact me and allow me the chance to make the payment before reporting my delinquency to the credit bureaus. This is not fair practice as to the magnitude of troubles it has caused me financially.
I was contacted by two phone calls ( last one XX/XX/18 ) and via US Mail ( XX/XX/18 ) by representatives of XXXX XXXX. 

XXXX XXXX representatives claimed to have documentation proving that the Identity Theft Federal Student Loan was not identity theft. Representatives claimed that they are an affiliate of PHEAA ( Pennsylvania Higher Education Assistance Agency ) who owned the Identity Theft Federal Student Loan.

PHEAA has repeatedly violated my fifth amendment right to due process by refusing to provide information necessary to police departments investigating the cyber crime. PHEAA continues to attempt bullying by sending the Federal Identity Theft Student Loan to collection agencies and sending " cease and desist '' letters to stop my reporting this crime to investigatory agencies. 

I informed the XXXX  XXXX representatives ( on both occasions ) that this was identity theft. The calls continued despite the assertion. I have sent XXXX XXXX a copy of the FTC identity theft report and addendum documents required. 

On both occasions, XXXX XXXX representatives informed me that this will negatively affect my credit.