WillisBack/dataset-financial-user-claim huggingface dataset:
I received my XXXX degree XX/XX/2016. I am employed as of XX/XX/2016 I am so willing to pay back my private sallie Mae loan monthly via direct deposit but the term of the loan is unbearable to my income ; it is for 8 years at about {$1000.00} per month. ; my total annual salary is {$40000.00} sallie Mae will not extend my loan nor help me. 
I am a single XXXX year old female who will turn XXXX XX/XX/XXXX and I need to pay rent, pay medical, car insurance as well as dental insurance plus gas for my car and utilities. Please tell sallie Mae to lower my monthly payment and extend my loan Thank u
On multiple occasions from XX/XX/XXXX to today XX/XX/XXXX telecheck  has incorrectly reported my personal check writing history to multiple retailers including : XXXX XXXX ( 6 seperate visits ), XXXX ( 3 seperate stops ), and XXXX  ( 1 stop tonight involving two transactions with two seperate checks written by me to retailer ). Each occasion telecheck has denied authorization of 10 seperate checks belonging to two of my accounts one a business checking account and the other a high yield investors checking account. The only grounds for denial being that they have zero history of me writing any checks in the past, which is incorrect as I wrote personal checks from my XXXX XXXX and XXXX checking accounts to my landlord for rent every month from XX/XX/XXXX to XX/XX/XXXX ; all of which were cleared without issue by my landlord. The two payments made tonight were actually authorized with the checks both franked and processed as authorizations, clearly showing an authorization frank on the signature line on the back of both checks and no mark or indication on the back of the check showing denial of payment. The register for both transactions at XXXX  still came up as denial of payment by telecheck which was completely contradictory to what the check itself reflected. I then call the authorization phone line and am told that they were going to decide how much I am allowed to spend out of my own accounts with my own checks, which was a slap in the face at the very least and that I would have to calll the department that handles those issues in the morning tomorrow. All of this during my endless work in repairing my credit and taking my own business to the next level, most of which starts with making these much needed purchases mostly equipment in order to effectively sky rocket my corporation in its infancy. It seems as though telecheck and many other financial institutions/ merchants are purposely attempting to pull the rug out from under me at the most critical portion of my entrepreneurialship at 2 years and 3 months in business. I feel as though I am being completely discriminated against on the grounds of Ageism and My high level of knowledge and intelligence and it has literally put myself and the business in a crippling financial stalemate that could make or break a tremendous enterprise.
On XX/XX/XXXX I checked my XXXX XXXX score and was SHOCKED to see that in about 10 days, my score had dropped by almost 30 points. They also noted a hard inquiry from XXXX Bank ( Credit Cards/Airlines ) that was applied for or posted on XX/XX/XXXX. 
I never applied for a credit card or had an inquiry run and this is fraudulent. 
I called XXXX on XX/XX/XXXX to be told that they saw no such inquiry on my report. 
I can not even get through to Experian. 
I called XXXX Bank and was advised that they have no record of anything and I was given the runaround to call the credit bureaus. When I call the credit bureaus I am told to call XXXX. 

Can you please help me? I asked for no inquiries and have not applied for anything. 

I look forward to hearing from you.
I have a Capitol One XXXX XXXX that I pay every month with on line bill pay. I do not get statements from them either paper or email. If I want to see my statement I have to go on line and look for them. This is a big part of the problem. I pay them {$75.00} a month every month to clear my balance which was about {$2000.00}. I have this set up in my bank 's bill pay to automatically arrive on time every month. 
In XXXX of XXXX I made a payment of {$35.00} instead of my usual {$75.00}. Unfortunately the minimum due was {$39.00} which I did not have a statement to see. Since I paid {$4.00} under the minimum due I got a {$35.00} late fee added to my account. The next month I went back to paying my {$75.00} a month not knowing I was getting a late fee and added interest EVERY MONTH for the last 18 months because they never sent me a letter or called me about my account. I just happened to go online in XXXX of XXXX expecting to see my balance almost being cleared. You can imagine how upset I was, how angry I was when I saw that my monthly payments were getting taken up by late fees and added interest every month and all the months of on time payments being made for more than the minimum due had gotten me nowhere because of a {$4.00} typo when I paid my bill in XXXX of XXXX. I have never even missed a payment on this card! I called Capitol One and the representative gave me credit for {$210.00} XXXX 6 months of late fees ) and {$94.00} in interest payments. While I appreciate the gesture it is not enough. I wrote a letter to XXXX XXXX at Capitol One and received form letters talking about late fees and interest and saying that I would not be getting any more money back. I called Customer Service again and was told that XXXX XXXX has the final word and nothing more can be done. I have been charged {$590.00} in late fees not to mention all the interest that I should not have been charged. All because of a {$4.00} Typo! And they never sent me a letter or bill, OR called to let me know there was a problem with my account. This is just wrong! Please do what you can to help me correct this injustice!
Company is charging 650.72 % interest. I've paid back over 2000 on a {$970.00} loan, still owe XXXX
I went to XXXX like I have in the past to order a free credit report from XXXX of the XXXX bureaus. My plan was to do XXXX every XXXX months like I had in the past. I went through bankruptcy in XXXX and have been rebuilding my credit since then -- this is the XXXX time I have tried to order my credit reports since that time. I wanted to establish a payment history with a small credit card my credit union issued me. I went through the ordering process for each bureau, and for each XXXX, I was notified that I would not be permitted to order online. I would need to order by phone or mail. I had been using XXXX browser and decided to try XXXX and the same thing happened. I 'd many times in the past ordered my free annual credit reports online. Even when I ordered for the XXXX time online I was never declined and asked to do request by mail or phone. The only thing that has changed is that I went through bankruptcy. To me there is no reason that I should have to order by mail or phone when I was very careful to verify exactly who I was correctly online for all XXXX bureaus. I realize I 'll probably have to call XXXX of the bureaus just to get on with this, but this bothers me very much -- I feel singled out based on my bankruptcy filing. Of course I have no proof of this, but I still felt I should report it to you. People trying to come back from bankruptcy should n't be made to jump through this extra hoop. I 'd appreciate being able to monitor my credit report just like everyone else -- by ordering online -- a method that is far more preferable to me. Thanks for listening. Best, XXXX
Wrong year 1976 its incorrect theres incorrect addresses, theres incorrect information being reported by third party creditors who I dont own
I disputed the below accounts with Equifax on XX/XX/2015 but they never responded to my disputes. I disputed that the following accounts are not reporting correctly. 
XXXX BANKXXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX BANKXXXX
Midwest Recovery Systems reported in a false manner that I took out a payday loan from XXXX XXXXXXXX XXXX onXX/XX/XXXX in amount of {$260.00}. It then has just appeared on my credit report as a defaulted account and just appeared on my credit report onXX/XX/XXXX. I have done a direct dispute with XXXX   and XXXX. However XXXX is saying that it is accurate. I will be calling them ; But I never took out this payday loan and want it removed from my credit report.
I called Equifax to inquire about how long it takes for my bankruptcy to come off my credit report. I read online that its 10 years from the filing date. my discharge was in XXXX of XXXX, which means filing date was 2 years before that. the person I spoke to informed me that it was 10 years from my discharge. I was ok with that and she asked me if I wanted to dispute it. I told her no, because I did n't want it to effect my credit. I disputed something on my credit with XXXX about 6 months ago through XXXX XXXX  about a debt from XXXX and they declined my dispute and dropped my XXXX credit score by 50 points, so I was concerned about that happening again. I have no debt or any payments to be late on my credit report. I had a hard inquiry on my credit report about a year ago, so my Equifax score has been a XXXX for a long time now. After the inquiry from Equifax a week ago they dropped my score 55 points to a XXXX credit is very important in life now. I 'm a XXXX XXXX and see these kind of things every day. can you please look into this matter for me, because I 'm scared to call them back about it and they will drop my score another 50 points, I do n't know what to at this point. PLEASE HELP!!!! I will attach screen shots from my phone. I have my credit score from before the phone call and after. I also have screen shots from when I called them and when they called me back.
This account is listed late payments 90+ days on XX/XX/2017, XX/XX/2017, and XX/XX/2017. These dates were in forbearances during these months therefore these payments are not late and are current. Please update this information. I have been sending disputes on this matter for months now because this is severely negatively affecting my credit and causing me so much pain moving forward in my life. XXXX XXXX did a great job updating previous late payment disputes I had and I ask that they please do the same. I ask that three credit bureaus XXXX, Experian, XXXX delete these late payments and update my profile
I paid an advance payment of {$500.00}. just to pay down my balance, then noticed that it said pmtonhold. I called them and they said they do this to protect themselves from my bank rescinding the payment. They hold the payment for 7 days. I said this had not been done ever, and was not acceptable. I paid it down so I would have credit available for other things. They said this might be done for 3 to 6 months before it would be off my record. This started when I inadvertently paid {$1000.00} pmt twice by accident, but my bank caught it. Said they would recall it from Barclay. I had accidentally paid it on XX/XX/XXXX & XX/XX/XXXX. I 've talked to everyone, but they say once it goes into their system, it ca n't be reversed & they ca n't tell me how long it will remain on my account. I pay a payment 2 or 3 or 4 times monthly so that I keep my balance down and have more credit to use. I want my points. 
This is NOT SATISFACTORY to me. I am human and made an honest mistake. 
They say they ca n't rely on my bank not to recall another pmt. so they are protecting themselves. I ca n't send them {$1000.00} so they will hold it 7 days before I can use it. I told them I thought this was illegal. 
Please help me get this hold removed off my account Thank you/ XXXX XXXX XXXX
On XX/XX/XXXX I was contact by a woman via phone number XXXX stating that she was a legal representative for US bank and that they were going to sue me for an bank account overdraft fees that I supposedly opened in XXXX. She wouldnt give me specifics other than the amount was {$1000.00} and that they was contacting me to get current address and phone number so they could file this suit. I stated to her I have never banked with US bank and I had no knowledge of the debt. She said ok and then nothing. I thought I lost connection so I called back. I then got a gentleman stating that they could sue me. When I informed them that Ohios debt statue of limitations is 6 years and even if I did have this account they have no legal leg to stand on once again they hung up. They repeatedly call not only my personal cell phone but my family memebers trying to scare them into paying this so I dont go to jail. Im afraid they are going to get ahold of one of my elderly family memebers and they will pay it not knowing better. I wasnt given a name for the company and have been unable to find it on a reverse search on XXXX
After learning about the XXXX Spring/Summer hack of Equifax, I took the following actions on XXXX XXXX, XXXX : Went to the Equifax website and learned that my information may have been stolen as part of the hack. 
Put a freeze on my account with Equifax, XXXX, and XXXX. 
Placed an initial 90 day fraud alert on my credit file. 

I understand that the hack is not entirely the fault of Equifax, nonetheless, I feel harmed and believe my information is now out on the internet/public and I am vulnerable to identity theft. I have taken actions listed above to mitigate the damage, but I also had to pay for the freezes on my accounts. I know I am not alone in this, and I look forward to action being taken to reconcile this problem.
Several phone calls to my place of employment from a  XXXX   XXXX  who will never leave a message or call back number or say what he 's calling about from phone numbe r (   XXXX  )  XXXX .
Equifax did not properly protect my personal information and it has been breached by a hacker/unknown sources.
I applied for a line of credit with BB & T in XXXX. I was denied for the line of credit and XXXX of the reasons was excessive obligations in relation to income. This makes no sense considering the only considerable debt I have is student loans. My debt to income ratio is approximately less than 9 %. My student loan payments are {$400.00} and my gross income is about {$5000.00} a month. The rep told me the threshold for DTI ( debt to income ratio ) was 36 %. I had ample room to make a payments so I believe there should have been a counter offer not a denial. I have no other debt besides student loans. I also have been approved for another line of credit recently. No bank should be denying consumer 's credit because of student loans when the payment is less than 9 % of the person 's income. Excessive obligations in relation to income should not be reason for a denial but should have been the reason for a counter offer the underwriter determined was appropriate for my financial status. 
According to the Community Reinvestment Act the bank is to meet the credit needs of the local community. I am certain that majority of the community has a negative net worth because of student loans. By denying the application completely as oppose to countering the bank is certainly not adhering to the community reinvestment act.
I have no knowledge of this account at all. I sent several letters to company asking them to please remove this account I never authorize, used nor applied for this, I sent several letters asking company to validate this debit as mine, I called Spoke with A representative whom was rude and failed to give me any information other than tell me I better pay for a debt that 's not mine. I 've never received no knowledge of this. I viewed my credit report and this was on there and that 's how I 've gotten knowledge of this account. I sent letters to credit Bureaus asking them to send me what ever information that got about me opening these accounts .I begged them to validate them and send me whatever proof they got .After several months of stress I received nothing in response from the credit Bureaus Nor Company that 's reporting this debit, Not Mine, Not Authorized, no legal contract with this company.
On XX/XX/XXXX I paid {$7000.00} on the balance on my US Bank FlexPerks Visa. This brought my balance down to {$13000.00} with a revolving line of credit of {$20000.00} I made this substantial payment as part of my ongoing effort to lower my credit card utilization from 100 % to roughly 67 % thus working to improve my FICO credit score. 

I received a letter dated XX/XX/XXXX from US Bank stating that they are decreasing my line of credit to {$14000.00} " effective immediately ''. 
This action taken by US Bank unfairly puts my utilization back to 98 % with my balance owing at {$13000.00} Instead of a positive acknowledgment of making a large payment, I get kicked in the gut by US Bank. This is an outrageous way to treat a long-time customer since XX/XX/XXXX who has a lot invested in US Bank : my business account, personal checking account and a Home Equity Line of Credit ( HELOC ). 
This treatment by US Bank has caused me pain, suffering and anxiety that is beyond words. It 's this oppressive behavior from US Bank practices that has earned them a Consumer Reports rating of 1 star! 

I am considering closing all of my accounts with US Bank and taking my business to a competitor that actually treats their customers with decency as a human being. 

By the way my credit score is not XXXX as claimed in the letter. It 's XXXX and will continue climbing since I have paid off 4 credit cards and my XXXX lease too.
I had several accounts that I found to be Inaccurate accounts on my credit report and I have disputed these accounts with Equifax on several occasions and the keep sending back as verified even after I have sent proof. The guidelines also states that if a company cant verify an account in 30 days that those accounts also has to removed and Ive sent verification of this as well as Police Reports and nothing is getting done. I also had a Tax Lien listed on my credit file that I disputed that Equifax is saying is Verified but the IRS has no knowledge of this and this document will also be attached. I started this process with Equifax around  XXXX   2017 .
Between XX/XX/2018 and XX/XX/2018 your THE XXXX XXXX XXXX XXXX credit cardappears to have been close in my credit score i have never opened this account neither have i closed it.
Please see attached Word document for all complaints against SunTrust Mortgage Co . 
Thank you.
Experian continues to report a fraudulent account as a collection on my credit report. My credit report shows a collection from XXXX that shows a balance owed which is incorrect. I disputed this directly with Experian and it took them only 7 days to report back to me that the account details were accurate. This is not my account.
The reason for my complaint against Bank of America is because I have a corporate card with my business XXXX XXXX XXXX Tax ID XXXX. This card was used fraudulently for multiple purchases. I reported the fraud as soon as i was made aware and spoke to a representative i believe it was sometime in XXXX. I explained to the representative the the phone number on file XXXX was no longer a valid number for me so i did not receive any type of communication in reference to the usage to this account. I also requested for the phone number XXXX to be updated as this is the most current number for me. I was given a case id XXXX for the fraud case. They told me i am not responsible for any unauthorized charges and that i do not need to make any payments on the account. I was never contacted by an investigator and on multiple occasions called in to check up on the case. They advised that they have everything that they need to finalize the claim. On XXXX XXXX Bank of america wrote the attached letter and i did not receive until XXXX XXXX after they went in to two of my Bank of america checking accounts and withdrew approximately 27K. They say the inconsistent details was provided but i have not spoken to anyone in reference to this case since I filed the claim back in XXXX. Bank of america is acting unfair and biased as to when it comes to this claim, and have caused great financial stress and harm by removing XXXX out of the checking accounts. I have already requested an appointment with a lawyer in reference to this cause these charges are not valid and were not done by me or anyone that i know.
Equifax does not identify who does verification and what documentation is used to confirm verification. I have court documents ; what are they using? It appears that are using the word of the company reporting their information. XXXX XXXX is reporting incorrect and outdated information on an account that is no longer associated with them.
Macy 's cashed my ck # XXXX for {$1300.00} on XXXX/XXXX/2016 the last XXXX digits of my account was written on the check. As of XXXX/XXXX/16 Macys has not applied the payment to my account. I faxed a clear copy of the front and back of the check on XXXX/XXXX/16 XXXX. I am told that it will take 2 billing cycles for them to look into and correct. I am asked to still make a min payment even though the check will pay more than what is currently charged on the account. I have reached out to Macy 's through the secure email on the credit card for some kind of status update on the research and no feedback has been provided.
I recently applied for a XXXX credit card with Bank of America, and it was not approved. The letter I received said " we were unable to approve the [ card ] you requested because the amount of credit extended to you by us and/or our affiliates is adequate. '' Since I did not have an interest in increasing the total amount of credit I had with Bank of America, but only in getting this credit card, I called Bank of America to ask if they could transfer some of my existing credit to the new card. I was told they could not, because the OCC does n't allow graduate students to have more than XXXX cards ( I think the implication was : does n't allow graduate students to have more than XXXX cards with the same lender ). I told Bank of America that I had previously talked with a Bank of America representative to specifically ask if having XXXX existing cards would prevent me from getting a XXXX card, and that the representative I talked with said that Bank of America does not have any policy that would specifically limit me to XXXX cards. The phone representative responded to this by saying that Bank of America does not have this policy, but that they are bound by the OCC policy. 

I asked the Bank of America representative if they could direct me to the OCC policy, but they said that they could not find it. However, they told me that it did exist and that I should be able to find it by googling, and that the only way for me to get the new card I wanted was to cancel one of my existing cards. I was unhappy about this, because the existing card I needed to cancel ( the one I was no longer using ) was my oldest line of credit, and I was concerned that it could hurt my credit rating. But the representative told me that canceling a card was my only option, so I eventually agreed. 

I have talked with Bank of America twice ( once by phone and once by chat ), and they have told me that they could not direct me to the OCC regulation, but that it does exist and apply to me. They suggested that I contact XXXX and the OCC if I wanted to see the regulation, but that I definitely needed to cancel my existing card to get the new card. I have since followed up with XXXX and the OCC, but both told me they could not help me. I also called CFPB, and the person on the phone could not find the regulation. 

Therefore, I am filing this complaint, because I feel that I may have been coerced into canceling my oldest credit card by being told that a regulation existed and applied to me, when I have so far not been able to find any evidence that it exists and applies to me. The primary resolution I am looking for is for evidence that this regulation does exist and does apply to me. If it does not exist or does not apply to me, that suggests that Bank of America coerced me into doing something that has negative financial repercussions for me by telling me something that was n't true.
USBank has changed the benefits of their Club Carlson Visa. When I submitted my credit card application, XXXX of the benefits was a free night when redeeming points for XXXX night. This benefit has been removed effective XXXX XXXX, 2015.