WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, American Express, without warning, suddenly decreased the credit limit of my XXXX card from {$30000.00} to {$5100.00} ( while the card carried about a {$4900.00} balance ). American Express extended a special low interest offer on this card before this balance was accumulated. The offer was only accepted because of factors such as the high credit limit available, and the balance was only accumulated to that level by accounting for the resulting credit utilization. Therefore, it is believed American Express reneged on its side of the bargain after the customer accepted and took actions accordingly. This kind of unilateral agreement change can potentially destroy a customer 's credit without warning. For example, the credit utilization on this card suddenly increased from less than 20 % to nearly 100 %. This " bait and switch '' tactic appears to render AmEx 's original offer fraudulent and results in customers being thrust into a " maxed out credit card '' situation/status on their credit reports.
Equifax was responsible for inadequately protecting consumer personal information, and increased my personal vulnerability to fraud as a result of my personal sensitive information being exposed along with millions of others from XX/XX/XXXX thru XX/XX/XXXX of this year..
I have attempted to remove this erroneous debt from my credit profile for years. Despite my disputes, Hunter Warfield , Inc has refused to remove the account from my credit profile. I have sent multiple letters requesting that the account be removed if it could not be validated under the appropriate guidelines. Specifically : XX/XX/XXXX Hunter Warfield Inc reports debt owed to credit agencies of XXXX XX/XX/XXXXDebt Validation Letter sent to Hunter Warfield requesting a response within 30 days XX/XX/XXXX I received statement restating the alleged debt XX/XX/XXXX sent response citing XXXX XXXX XXXX, that restating the alleged debt is not validation that the debt is owed XXXX Hunter Warfield received the letter XXXX 30 day failure to comply letter sent
I applied and received a fixed rate visa card from Bank of America,  XX/XX/XXXX - In the disclosure of the contract it specifically states the FIXED rate means that the APR " will not '' vary in accordance with the changes in a formula, such as the U.S. Prime Rate. XX/XX/XXXX BOA started raising my rate - I question them about it and their answer was " because of a change in their business practices my APR will be changed to a variable rate based on the Prime Rate. '' I have researched the original agreement, the Truth and Lending Law and XXXX-XXXX Credit Card Act and can not find any statement that says a company can change a contract regulations because of a " change in their business practices ''. The XXXX-XXXX Credit Card Act states specifically that a FIXED APR can only be changed if late payments, over credit limit, or intro offer expires. A change in business policies is not a valid reason even with notice.
It has taken years to find out how/where to pursue this complaint. 1997 I had this loan server Ocwen. They had not cashed my payments for three months and were attempting foreclosure I had just had XXXX to stop it I filed bankruptcy. Ocwen took me back to court three times during I had receipts that showed payments were never late and their claims were false. I hired an attorney Ocwen refused to speak with my legal representatives. Ocwen blocked 3 Refi attempts by not providing timely docs. I received notice of additional money owed at end of bankruptcy Ocwen had been charging ( Thru 6mo after b/r ) fees that " prepetition payments '' " alt payment '' " partial suspense '' etc I was told these were charges added because of extra paperwork from bankruptcy but continued until I refinanced away from Ocwen. During Refi as docs were being processed Ocwen increased dollars and escrow covered increases to make loan clear. Exigent circumstances. A year later I received an overpayment for same increase sum. Ocwen was rude, unprofessional, harassing, refused to acknowledge communications and I believe Ocwen took additional fees under cover of bankruptcy and subsequent closing process. Ocwen represented the worst in mortgages as they blocked all attempts to discuss my concerns or credibility to their docs.
When applying for a Best Buy credit card, I was automatically " steered '' towards a program known as Debt Protection XX/XX/XXXX. In addition and/or as time progressed I did not find such a program useful due to paying my bill on time. XX/XX/XXXX, I contacted Debt Protection to cancel and/or requested a full refund in the amount of XXXX after speaking with a customer service representative. Begrudgingly speaking, a refund in the amount of {$55.00} was applied/approved ( i.e., 3 months payments ) within a 30 day time period. Shortly after assessing such findings on XX/XX/XXXX, I contact Best Buy 's Debt Protection platform and requested for my case to be reevaluated holistically speaking, for as a consumer I should be refunded all monthly premiums paid into " an insurance program '' otherwise known as Debt Protection. I spoke with a representative who stated " there is no guarantee '' I would receive a full refund. Based upon her response, I asked to be transferred to a supervisor to convey my displeasure with respect to this process and/or my case was resubmitted XX/XX/XXXX ( i.e.,, 30 day response per electronic disclosure received via online Best Buy account ). Please be advised both customer service representative and supervisor acknowledged an aforementioned balance in the amount of XXXX ( i.e., rounded figure ). 

XX/XX/XXXX, I have yet to receive any formal means of communication and/or contacted Best Buy ' Debt Protection and " DEMANDED '' my case be escalated after speaking with a Supervisor. As a consumer I am entitled to receiving a refund if a service is not being utilized, am/was being charged compounding interest, and should not have to be relegated to communicating with a third party customer care center located in Oklahoma where formal decisions can not be achieved. In summation, I am aware of a class action lawsuit settlement vs. Citibank in the amount of $ XXXX for such egregious acts. In summation, the primary objective is to have all remunerations refunded and applied to my account immediately ( Link : XXXX ).
I AM A SUCCESSOR IN INTEREST. 
XXXX XXXX, XXXX, the CFPB issued Bulletin XXXX, ( see attached ) which subject was the Implementation of Guidance for Certain Servicing Rules. 
It specifically speaks about, POLICIES AND PROCEDURES REGARDING SUCCESSORS IN INTEREST TO THE PROPERTY OF A DECEASED BORROWER. 
I AM A SUCCESSOR IN INTEREST. 

As well I am the OWNER, by RIGHT OF SURVIVORSHIP of the property being foreclosed by Specialize Loan Servicing, LLC. 

Since the death of my mother in XXXX of XXXX I 've been working to try to get Specialized Loan Servicing to send me a request for Mortgage Assistance Package as they said they would. On more than several occasions they said they would send the package to me and said many times that the package was in the mail and I never received anything from Specialized Loan Servicing. And in XXXX of XXXX they started to foreclose on my house. 

My mother and I owned the property as Joint Tenants ; when she passed away I became the sole owner with Right of Survivorship. I 've tried to tell Specialized Loan Servicing this over and over, but they say I need to go to Probate and I 've been told by XXXX attorneys that I do n't because I own the property by Right of Survivorship. 

Please see the attached the recorded Grant Deed. My mother and sister having deeded back to me in XXXX. Please see the attached the recorded Affidavit Death of Joint Tenant I tried to convey this to specialized loan servicing several times, I 've sent them the deed to the house three ( 3 ) times showing my ownership. I 've had to send it three ( 3 ) times because every time I call I get some when different, who is asking me for the same documentation over and over again. Then after several attempts specialized loan servicing told me that because I was not on the loan they could not send me any information. But I 've told them I do n't want information about the loan because my mother is dead and that I just want to work this out with them, so that I can sell the house and have time to relocate, because I am XXXX ; my brother lives here and my elderly aunt and uncle live here also. 

I have a real estate agent who has had the property on the market since XXXX XXXX of XXXX. The house needs a lot of work ; I have had multiple offers for the purchase of the house and have actually accepted XXXX, but Specialized Loan Servicing is not sending me the necessary Request for Mortgage Assistance form, as they said they would for me to submit for the sale of the house. 

AS A SUCCESSOR IN INTEREST and OWNER, by RIGHT OF SURVIVORSHIP, I want Specialized Loan Servicing to send me a request for mortgage assistance package as they have said they would, and I just want to work this out with specialized loan servicing, so that I can sell the house and have time to relocate. I am XXXX ; my brother lives here and my elderly aunt and uncle live here also. My real estate agent has gotten me a good offer from a Buyer. I just want to sell the house so that we are not put in the street.
Alert Type : New Inquiry Processed Date :XX/XX/XXXX Inquirer 's Name : XXXX   Phone : ( XXXX ) XXXX Type of Industry : National Credit Cards/Airlines Address : XXXX XXXX XXXX XXXX XXXX FL XXXX I went to my XXXX Credit reporting portal to discover that there was a hard inquiry on my report that i did not authorize. I called XXXX XXXXXX/XX/XXXX XXXX to inquire why they preformed a credit inquiry, the rude agent advised me that they don't deal with XXXX and that i would have to call XXXX to dispute?? I advised her that the inquire came from XXXX XXXX not XXXX. She repeated over and over I have to call XXXX to dispute the inquiry.
On  XXXX   XXXX , a letter for validation of debt, amount presumably owed :  XXXX , was sent  to Medical Data Systems ask ing for a breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information to them, and to cease any credit bureau reporting until debt was validated by me. As of this date  XXXX / XXXX /  XXXX  , I was provided  by Medical Data Systems an Itemized statement that included all procedures, not   coded, which were performed including x-ray info which is a violation of  the HIPAA act. I was not provid ed a statement from the original creditor that would allow release of my medical information to  Medical Data  Systems nor was reporting ceased to all  XXXX  credit bureaus.  XXXX   XXXX  is the original creditor. I have never received a bill from this hospital and had insurance to cover all costs.
They reported a debt I did not owe to the credit bureau. I will file a police report tommorow for fraud. I 've read th e Convergent Outsourcing is  a scam company that is doing this to several people. I watch my credit very carefuly because I do real estate and own a company.
XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX It 's rediculous that this company ran my credit without my authority. I Have 3 Hard Inquiries in my XXXX Credit Report XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX this has to be removed it 's affecting my credit report. National Credit Cards / Airlines. Credco XXXX XXXX California XXXX XXXX This company ran my credit without my authority. I have 3 Hard Inquiries XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX This is affecting my credit report it has to be removed from the XXXX Credit Report. XX/XX/XXXX / XXXX XXXX XXXX Illinois XXXX Credit was run twice without my authority. XX/XX/XXXX - XX/XX/XXXX It 's been affecting my credit report from XXXX Has to be removed XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 2 Hard Inquiries XX/XX/XXXX - XX/XX/XXXX
Received Escrow Account Disclosure Statement via mail on XX/XX/2018 for tax and insurance payments. Based on their analysis a have a shortage of {$1500.00}. Therefore, my monthly payment was increase. 
I regularly paid my monthly mortgage payments and I pay extra amount for the principal balance. The company did not apply my payment to the mortgage.The money they received was placed in suspended accounts. They are asking for escrow account and charging me with late charges. 
My note during the closing of the mortgage does not require to have an escrow account for the taxes and insurance premium because it was agreed that I will be responsible for paying for it.Since that time I am the one who paid the taxes and property insurance. 
I called several times and spoke to customer service with out result.On XX/XX/18 I spoke to XXXX specifically. I wrote them letters but still no result. I still received statements stating that my account is past due.
To Whom It May Concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that GM Financial reported a late payments/negative information regarding my account XXXX. 

I am requesting that this late payment ( s ) be assessed for accuracy. 

Since I have disputed information with GM Financial, I feel this is there way of retaliation to damage my credit report. 

This incorrect listing has damaged my credit score and questioned my credit worthiness to the extent that it may be concerning to my employer. It is extremely embarrassing and has adversely affected my reputation. 

For your reference, I have attached copies of the required documents that corroborate my claim. 

I returned a vehicle to GM Financial sometime in 2014, as a voluntary repossession. I received to letters from them regarding there process, which indicated if the car was sold, I would still be responsible for the negative balance. 

I do not recall receiving any documentation to when the car was sold, and how much the car was sold for. 

Please take a note of the dates and update my account status at the earliest convenience. Also forward a copy of my updated credit report to my address, stated above. 

Also, in response to the phone call/letter received *lender* on *date* I am requesting validation of this debt. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired XXXX. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7.  Your license numbers and Registered Agent If your office fails to reply to this debt validation request, I am asking that all instances related to this account must be immediately deleted and completely removed from my all 3 credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Thank You
After grossly mishandling my mortgage account, # XXXX, Seterus Mortgage Company has not informed credit agencies that my loan was paid in full and account closed. 
My property at XXXX SC was sold months ago. 
However this former debt has not been erased from my credit report, which shows balance unpaid. -- XXXX
I have a account from XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX That is still showing on my report that should already be deleted. My address is XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ALL THESE ADDRESSES ARE NOT ACCURATE PLEASE DELETE. 
I have a unverified public record that needs to be removed OHIO XXXX XXXX DOCKET # XXXX it is not to my knowledge listed properly please delete error. Then there is this account XXXX XXXX XXXX XXXX # XXXX I do not recognize this company never had a contract for business and never heard of them please delete.
XXXX XXXX we sent a letter to the credit bureau asking them for assistance on numerous problems we saw on our credit reports. It is almost 90 days later and no response. I just read an article that said they are supposed to answer in 30 days. So this is breaking the law.
Starting XX/XX/XXXX, the three major credit reporting agencies, XXXX, Equifax, and XXXX were to enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address, and either their Social Security Number or Date of Birth. As ofXX/XX/XXXX, the inaccurate information is still reporting on my Equifax, XXXX, and XXXX credit report. 

Furthermore, the told me to contact XXXX XXXX XXXX 

When I go to the link XXXX states : you have concerns that a record has been erroneously matched to you and included in your credit report, please contact Equifax to correct the error. XXXX does not match public record data to consumer credit files for Equifax. Equifax performs this matching themselves. 


Equifax, XXXX, and XXXX refuses the follow the new standards that are apart of the National Consumer Assistance Plan, which is an initiative of the 3 nationwide consumer reporting agencies, XXXX, Equifax, and XXXX to enhance the accuracy of credit reporting information. 

There is no public records that contain my name, address, social security number OR date of birth.
I applied for a chase credit card on XX/XX/2016 my XXXX profile and XXXX and XXXX recommends me to apply for a Chase Freedom credit card. I must of forget to follow up on the inquiry on XX/XX/XXXX I receive a letter from Chase to contact them. I was told because I have a fraud alert on my credit file, but with no contact number I would have to contact XXXX. So I called my senator and he gave me the corporate number of XXXX. I talked with XXXX of the Executive office he was surprised that someone was able to bypass the automated system and come in on a straight call. He updated my fraud alert phone number on my credit file, he said that it would take minutes to update. So, I had a previous dispute report number I used it and the proper information he place was in my credit report with my contact number of XXXX. I called back to Chase bank today on the XXXX/XXXX/2016 and after the agent verified the code sent to my cell phone, she said " you called here yesterday '' I said yes I did I told her the story like I explained in the above, she did not do anything. Her voice and tone were very rude. I asked for a supervisor she said why then the phone discoed
On or around XX/XX/2010. I got a credit card for a friend in my name. At the time that I requested the card the American Express representative and I agreed on the phone that the credit limit for the person that I requested to be on the card was to be {$300.00}. The individual in question made around {$1300.00} in charges which was over their limit and I was forced to pay the {$1000.00} difference because the company violated proper procedure by not recording all conversations as required possibly by law so there was no way for me to get a {$1000.00} refund because through the company 's negligence I had no way to prove what was agreed to between American Express and myself. I want a {$1000.00} as settlement in anyway that they seem fit. I should not suffer for the negligence of the American Express Co in not recording all conversations as required! The lesson to be learned is that to never get a credit card in someone's name with a credit limit because if the customer goes over that limit u will be liable for the difference. I could have had as much as {$10000.00} liability!
I have a judgment on my credit report that was not file properly after I paid off the judgment. The proper actions were not taken after I paid off the judgment. Even though my land lord gave a written statement that the judgment was paid. Please look into Equifax procedure of removing satisfied judgments. The Plaintiff ask for {$4200.00} you can see that at the top. Please pay close attention to the document you can clearly see that I only owe {$420.00}. The Judge only awarded them {$420.00} and below you can see my counter payments I made to the bill.
I am very devastated of how Sun Trust has handle my loan. I was forced to re-applied numerals times because Sun Trust keeps using the wrong income. I have provided my bank statements for proof of the money I get paid doing carpet installments. I also informed my lander that I don not have any company expenses because they provide me all the materials and tools so I can do the labor. I also told them many times that my home is severely under water by - {$130000.00}. Sun Trust keeps stating that I dont have enough for an affordable mortgage payment. However my monthly income is {$4100.00}. and SunTrust only used {$3400.00}. to review my loan they are purposely doing this to me so I wont be eligible for a government modification. At this point I was forced to appeal but they always deny my appeal for the same reasons. I do not want to lose my house due to my health it was impossible to keep up with my mortgage payment.
Received a letter from the magistrate court of XXXX County stating that XXXX XXXX XXXX XXXX XXXX was suing me as the assignee of XXXX.

Form states that it is a " PLAINTIFFS APPLICATION FOR DISBURSEMENT OF FUNDS ''.

The following wording is noted : " NOW COMES the Plaintiff in the above styled case and files this Application for payment of all funds due Plaintiff paid by Garnishee after such time as the Clerk determines that no claim has been filed and no Traverse has been filed with twenty ( 20 ) days after Garnishee 's Answer was filed. Moreover, Plaintiff states Garnishee and Defendant will be properly served with the Garnishment pursuant O.C.G.A XXXX and that proof of such service will be filed with the Court prior to any disbursement of funds. '' This letter is signed by XXXX XXXX XXXX XXXX XXXX, Georgia Bar # : XXXX   The law firm that sent the letter is Aldridge Pite Haan , LLP The APH File number is XXXX
My mom applied for student loans from Sallie Mae when I started college in XX/XX/XXXX. I had no idea how to address paying for college or what applying for a loan entailed, so she took care of that. I just graduated in XX/XX/XXXX and my loans are about to be in repayment. I was just handed my password to the account and saw that interest has been acquiring the whole time on twelve different student loans. I have called Sallie Mae on multiple occasions asking if I can consolidate my 12 student  loans or if they had any income driven repayment programs. They repeatedly informed me that neither were possible and that I should try reaching out to my cosigner. They keep encouraging forbearance, but that is only going to be a short-term fix. They want me to pay over {$1500.00} a month and I only make XXXX a year. The interest rates on my TWELVE different loans range from 9 % to 11 %. They are offering no realistic options and I ca n't afford any of the options that they are giving me. 
They are the most unhelpful company I have ever encountered and I am going through a financial hardship because of them and their lack of help.