WillisBack/dataset-financial-user-claim huggingface dataset:
On the morning of XX/XX/XXXX I contacted XXXX/XXXX ( my and their phone records would support this ) to determine if requesting a credit limit increase would be a soft or hard inquiry in their process. I was advised that it was a soft inquiry which would not impact my credit score. I then went through with the process ( online ) with my Best Buy and Home Depot credit card accounts since they are both managed by Citibank.
I was granted the increase, but it was indeed a hard inquiry which resulted in a negative effect on my credit score. The purpose of requesting the increase was to reduce my credit utilization, whereby improving my credit score. In actuality, due to the inquiries it resulted in a 4 point reduction. I contacted the credit agencies and told them what had transpired. They advised me to contact Citibank and have them complete & submit an Inquiry Deletion Form to them. Citibank declined my request stating that they could not do so since they did increase my credit limit. Although, at one point a customer service representative advised me that the XXXX/XXXX XXXX inquiry would be deleted. I received follow-up communication that it would not. I am writing here to receive assistance in resolving this matter.
Nationstar Mortgage out of XXXX, TX was paying the incorrect amount to FHA/HUD for my PMI. They have adjusted the amount of my PMI insurance drastically without being able to give me an explanation as to why. I contacted my local HUD dept and was given the amounts of my PMI monthly payments and they have not changed. My loan is only XXXX years old. The PMI is part of the loan schedule and slowly goes down, not up. When trying to discuss this issue with NationStar they transfer me from person to person and no one can help me. I 've litterally been on the phone with them for about XXXX hrs. No one will help me.
NELNET Obstruction of Income-Based Repayment Application : In  XXXX   XXXX  after becoming unemployed, I made application for income-based repayment plan for student loans serviced by  both  XXXX  and NELNET in coordination with the DOE income-based repayment application web portal ( See attached ).  XXXX  approved the application but NELNET obstructed the application because it claimed it did not participate with DOE 's electronic process ( See attached ). The electronic application was downloaded from the DOE web portal and mailed to NELNET with supporting documentation. I did not hear back from NELNET for some time and when I contacted   them in  XXXX   XXXX  I was informed that my loans were in default and no longer handled by NELNET. I would need to contact   XXXX   XXXX   for loan rehabilitation. I incurred a {$10000.00} default fee sometime between  XXXX   XXXX  and  XXXX   XXXX  because NELNET obstructed my application. My NELNET rehabilitation started in  XXXX   XXXX . How can the very same income-based repayment plan application properly coordinated through the DOE web portal be accepted by one servicing agency and rejected by another. Something is terribly wrong with this process and should be thoroughly investigated. Request your assistance in removing these default fees and obtaining the same income-based repayment plan approved by  XXXX .
seterus inc took payment from my bank account on XX/XX/2015for XXXX ach showed at first they received then on XXXX XXXX 2015 seterus said it was sent back nsf I sent bank letter saying it was not returned they will not help correct problem says bankhas money bank does not i need help for them to post to accountthey gave me more late fees on XXXX XXXX 2015
In XX/XX/2018 I reviewed my credit reports and found that there was an inaccurate report of an account that was not mine. I contacted the company Diversified Consultants and requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation including competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay. I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry. 

I have not received a reply from this company and it is over 30 days and they are now out of compliance. Under advise, I wish to informed Diversified Consultants that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
I have been diligently working on my credit score, so I enrolled with a credit monitoring service to keep track of my reports and scores. Some time last month, I checked my report to find that all inquiries had been removed from my Transunion credit report. This also, of course, resulted in my credit score being raised. I had absolutely NO knowledge of any system glitch or anything of that nature. Fast forward to recently, I checked my file again, and there were the XXXX inquiries re-added, which of course, dropped my score! I am furious because as far as I know, it is not lawful for the inquiries to have been re-added without ANY notification to me, written or otherwise. I should have been notified, ESPECIALLY since the result had a direct effect on my credit score! I reached out to Transunion, and the rep RUDELY stated that he would only remove an inquiry after XX/XX/2016. What good does that do me? ALL the inquiries were removed and ALL of them were placed back on the account, not just the ones from XXXX. Ridiculous response given the situation. Because I was not notified, I would respectfully ask that Transunion delete the inquiries, as they have for so many other individuals. Why would I be any different? If they can delete for others then they can delete for me as well, unless they are discriminating with who they help. I have contacted a personal attorney, as well as the attorney general. Transunion is in the wrong for not notifying me that the inquiries were going to be re-added to my file, and that is not my fault.
I have a XXXX account listed on my XXXX XXXX, Equifax and XXXX credit report that opened on XXXX XXXX, XXXX and was lost/stolen. My XXXX credit card account has a balance of {$2500.00}, those transactions/charges are all fraudulent and unauthorized charges. The charges do n't belong to me. I have a fraudulent and unauthorized hard inquiry on my Equifax and XXXX credit report. The following hard inquiry is fraudulent and unauthorized : XXXX/XXXX XX/XX/XXXX. I XXXX XXXX, Equifax and XXXX to add and list the following phone number to my credit report : XXXX. Creditors is to call me first at either : XXXX or XXXX before approving or extending any credit offer.
My lender increased my payment by {$260.00} per month due to what they call a " mis-calculation '' of escrow last year. This amounts to about a 32 % increase of my mortgage payment! This has a major impact on our already tight budget. I do n't see how this big of a miscalculation can take place and then the lender can simply say oops but that 's the way it is and we ca n't help you ... now go talk to your bank.
InXX/XX/XXXX I made a XXXX payment to XXXX XXXX which was only one of multiple payments I had made out of that account towards that XXXX. For some strange reason USSA called that particular payment fraudulent activity and took back the XXXX payment which caused XXXX XXXX. I was all caught up on my payments and then USSA decided to get my XXXX repossessed which put a repo on my credit report that I do n't deserve. Not only that but I traded my XXXX XXXX XXXX on that XXXX so in affect they also took my XXXX XXXX and all the money I had spent on both vehicles. The reason for doing all this is because when I called to get my card released from hold status the person at USSA I spoke with decided that my voice did n't sound as old as my birth date would have suggested. Because of that my XXXX was repossessed on XXXX XXXX XX/XX/XXXX and my credit ruined. As if all this was n't enough, The last direct deposit I had sent to that account came up missing.I had taken my money I had saved from the month before out of the USSA account and had changed my direct deposit over to XXXX XXXX XXXX. The last one went into the USSA account but the money disappeared out the account and now they are trying to XXXX me out of the money as well as what they did to my XXXX and leaving me stranded for a year now..What recourse do I have?
I have disputed this account twice with Equifax. There has never been a proper investigation done. The only thing the company did was send me my credit report with the account still listed. The account does not belong to me. I asked for it to be verified and they did not contact the company just sent me my report 2-3 days later. How is an investigation properly done so quickly?
In the past couple of years I 've tried to obtain a credit card through my bank, USAA in XXXX XXXX, and have had auto insurance there since serving XXXX in the military during the early XXXX. I 've had XXXX secured loans in recent years with USAA and paid them both off on time, never late. The bank has denied me a credit card XXXX in the past two or three years, the last time only recently. Also it denied another secured loan, even though at the same time my bank in XXXX not only offered an unsecured loan of {$10000.00}, but also granted a credit card now with a {$6000.00} limit. This is all within the past two or three years.
" XXXX_ XXXX '' continues to report inaccuracies about past debtors and/or fraudelent creditor collectors on each credit report. My credit score remains drastically low. I had disputed many erroneous credit items including personal information such as name/address/telephone numbers via telephone. Now, there are these follow-up mailed documents from other third party collectors on bearing of XXXX XXXX namely, " FRANKLIN COLLECTION SERVICE, INC. among the multiple debtors whom I had previously disputed via FTC/FRCA. 

" XXXX XXXX XXXX  '' " XXXX XXXX XXXX XXXX XXXX '' is another creditor whom I have been issued a unsecured card ; now appearing as a secure card. However, this credit solutions agent if XXXX XXXX is committing fraud. The scam is that while my card remains open ; it accumulates a " monthly late fee '' without any activities and I must pay that outstanding balance to remain in good standing. My last payment on a blocked card was on XX/XX/XXXX and my account was {$0.00}. In XX/XX/XXXX, I reactivated a new replacement card ; only to be faced with a balance of {$180.00} which includes next cycle of late fees. I have made a full payment of {$180.00} on XX/XX/XXXX. 


" XXXX XXXX XXXX '' has been erroneously listing my account status as ND=NO DATA and OK since the year XX/XX/XXXX. I had completed payment of my student loans and this account was closed in XX/XX/XXXX following a full year in good standing. I had contacted student consolidation loan center " XXXX '' and spoke with a manager in XXXX, NY on last year ( XX/XX/XXXX ) requesting that they should he should follow through on reporting the correct CLOSED date. He had not done so and XXXX reflects payment history and CLS=closure in XX/XX/XXXX as a result. I had not been utilizing education services with XXXX as of XX/XX/XXXX.
I called bayview to ask why they were charging me late fees on my mortgage, when I send my payments two weeks ahead of time.I can send my payments on the first of the month and by the XXXX. off the month and they will tell me they have not recieve my payment and will charge me a late fee, I have until the XXXX of each month before my payments are late.When I called bayview loan servicing on XXXX XXXX, 2015 an ask when will they send my XXXX to file my taxes, they said that it will be mailing them out on a saturday XXXX. I waited until the end of XXXX and I still did not recieve a form. I called bayview back and they said oh we sent them out and if it do n't come go online an get a copy on their web site. I went on their web site an could not find it When I called them back and asked about my XXXX, they did'nt want to talk about the form an kept asking me why they have'nt recieve my payment. I called back in XXXX and asked them to send out a XXXX again, an all they wantrd to talk about was my payments being late. All along its seem like l am getting the run around, I 'm still waiting for XXXX.
I had a payment of {$530.00} coming due on X/XX/17, after an expired forbearance year. In mid-XX/XX/XXXX, I requested and submitted proof of income for a Revised Pay As You Earn. After waiting for over two weeks, I got a response by calling. I was found not eligible for that or any other types of plans that would reduce my monthly payment. I mentioned that I have worked for XXXX for several years to see if I could be eligible for something else that could lower my payments. I was transferred to another agent who indicated that my loans would need to be converted into direct loans ( which I 'm not sure what implications that carries ), to apply for forgiveness since I work for a XXXX. Turns out that would lower my payments by {$35.00} ( down to {$490.00} from the original {$530.00} ) ; this brings an attached set of conditions and requirements like everything else. I 'd like to understand why is it impossible for me to get the monthly payment to be reduced by a significant amount that would allow me to pay and not have such a negative impact in my family 's budget.
This is a followup to complaint XXXX I just received a reply from Experian. It is obvious that they did not read the complaint and simply pasted some boiler plate text as an answer. 
I have made it clear that I do not dispute the debt. What I want is for Experian and XXXX to agree to remove the negative comments on my report in exchange for payment. They both tell me it is not up to them, but to the other party. Experian did not even remotely try to answer the question and simply concluded that the debt was valid ... TO WHICH I HAVE AGREED. 
Can you please get these lazy careless people to do their job? 
Thank you
yesterday i received an alert that I had XXXX. I called the number that was attached to the alert and the number is not in service. I XXXX the company and tried to call the customer service number but i was unable to get a representative since the only way to speak to someone was to put in an account number. I called trans union and asked to speak with a special fraud agent in the united states. the representative refused to transfer me and refused to put a temp lock on my account since i did not request this loan. I called multiple times to request this and each time i was told the same thing. one Representative even became belligerent and told me that i should file a complaint because they had verified the account ( while i was speaking to him no less )
Step 1 : Toyota Financial Services added a delinquent payment into my credit report without EVER contacting me about this late payment. Their claim is that my number was on a " Do not call '' list ( which I definitely didn't request to be on ). I am a co-signer for my mothers account. I was unaware that she had missed a payment. Toyota has my number on record and failed to call me in order to charge this payment, because of their excuse I was on the do not call list. So Instead, they submitted this late payment into my credit report, which has subsequently greatly damaged my credit.

Step 2 : I have since signed up for auto-pay with my bank information so that a late payment will never happen again ( and my mother is now paying me monthly ). I also wrote a letter to Toyota explaining the mishap and kindly asked to remove my late payment from my credit report. ( Especially since Toyota 's negligence has greatly impacted by ability to currently obtain a mortgage ).

Step 3 : Toyota responded with a letter stating " we have researched our records and have determined that the information reflected in our records is correct and are reporting your account to the credit reporting agencies '' Step 4 : Toyota Financial Services never offered me a chance to make this payment. They never called, emailed, or wrote me a letter about this payment, yet they still reported me to the credit agency.

I would like Toyota Financial Services to fix what was wrongly done.

Companies Involved : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, Toyota Financial Services.
To Whom It May Concern, I have always enjoyed an excellent credit rating and have worked hard to earn such. 
In XX/XX/XXXX, my bank Capital One, without my knowledge, stopped my auto payments ( EFT ) from my personal bank account, to my Capital One Credit Card, issued by the same institution. I had no knowledge that the payments had been stopped. Neither the bank or my credit card company notified my that my credit card was 60-90 days past due, no phone call or email. It was only when I checked my XXXX and XXXX report, that I noticed that my credit card had been unpaid for 3 months. I have called the bank and credit card company trying to resolve this issue only to get a giant runaround. They have essentially ruined my credit.. I am trying to refinance my home and may lose my property because of this. Can you help me to rectify this problem? Your help is greatly appreciated.
Problem with XXXX XXXX. They treat verifiable 3rd party banking errors as late payments and do not respond to complaints even when written proof has been provided. 

To insure my payment was never late I set up automatic payments through XXXX XXXX for my Fidelity credit card ( they manage it ). It worked fine for years. Then a third-party accounting firm accidentally shut down the wrong bank account - mine - the one XXXX XXXX had been pulling payments from. XXXX XXXX tried to pull the payment as usual but the account had vanished. When XXXX finally contacted me a few days later and informed me of the problem I paid the amount instantly right there on the phone. 

All of this happened outside of my knowledge or control and was the result of a banking error. I have a letter from the firm responsible admitting their error. I have provided this letter as proof to XXXX XXXX twice but they have never responded to my written disputes. Experian states the file was updated, but it was not. 

I would like the XXXX late notice removed from my credit report because it is not a reflection of reality, my ability to pay on time, or my credit-worthiness.
Checked my credit report when I was about to purchase a vehicle and seen an apartment where I didn't reside. The date was in XX/XX/2015 which was a time when my wallet was stolen with my id and social security cards. XXXX XXXX XXXX has reported that I owe {$5900.00}
In  XXXX   2017 , I  C Systems be gan reporting a  XXXX  debt of {$370.00} to my credit. As seeing it on my report was the first I 'd ever heard of the debt, I attempted to dispute it. But to no avail. I have not received a response from I C Systems, or documentation that the collection is, in fact, mine.   XXXX  Having never received a collection notice, I was not given the chance to dispute the debt before it was reported to my credit. And from what I see on the reports, they did n't even wait the 30 day period before reporting it, since they got it in  XXXX  and were reporting it by  XXXX . Which makes me believe a letter was never sent, they just reported without even trying. Is that even allowed? Are n't consumers supposed to have a chance to dispute or pay a debt before it ruins their credit?
XXXX XXXX XXXX XXXX has sent me multiple requests for a medical bill. I have requested, on numerous occasions for proof of debt, only to receive a letter with an amount on it and my name misspelled. I do not now, nor have I ever had a written or verbal contract or agreement with XXXX. I do not owe them a debt. I did not entire into a business contract with XXXX.
On XXXX XXXX, XX/XX/2015, I was billed my annual membership fee of {$75.00} for my XXXX XXXX Visa Signature credit card issued by US Bank. I paid the fee due to the card 's offered benefits, including the Bonus Award night on award night redemptions of XXXX nights or more in the XXXX XXXX Rewards program. On XXXX XXXX, XX/XX/2015 the statement contained language indicating that this Bonus Award Night benefit would end on XXXX XXXXXX/XX/2015. Since I already paid the membership fee, I should be given this benefit until the end of the card membership year. US Bank has refused to refund the annual fee.
XXXX XXXX XXXX sent this disputed debt to a collection agency who has posted this account to my credit report. This is against the law. I have a right to dispute this bill. They know I do n't owe any money and sent this debt to collection company anyway. Collection information listed below. I will contact a lawyer about this. 
THE CBE GROUP Address : XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX TEXAS Address Identification Number : XXXX Status : Collection account. {$630.00} past due as of XXXX 2016. 

Date Opened : XXXX Reported Since : XXXX Date of Status : XXXX Last Reported : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$620.00} High Balance : NA Recent Balance : {$630.00} Recent Payment : {$0.00} Payment History : Account History : Collection as of XXXX 2016 I HAVE ATTACHED FCC COMPLIANT WHICH WAS DONE MORE THAN 3 MONTHS BEFORE ACCOUNT WAS SENT TO COLLECTION AGNECY
I went XXXX XXXX XXXX, I was offered to apply a credit card to make my purchases. I applied with synchrony bank and was offered a credit card on the spot. I made purchases costing {$2100.00}. I started my payments as scheduled each month through my bank 's bill pay program and I was always on time with them. In my mind I had a certain month when I pay off this card. In the meantime, early on they increased my credit line and I called them stating I do not want this increase. So after making {$1500.00} and some payments to the bank last month ( XXXX I opened the bill and I owe another {$1500.00}. I thought it was a mistake so I called and explained myself, the lady transferred me to the manager who said that I went past the promotional period of 1 year of paying without interest that is why. I started making payments in XX/XX/XXXX and I told him I was not aware of that. Even if I past a year which is in XX/XX/XXXX now, it's just been 2 months why this much interest of {$900.00}, asked to review their interest did not get anywhere and called for the second time, did not resolve my problem. I decided to file this complaint because I do not have the money to pay this bank for this much interest on the furniture bought last year. Please advise to review their interest because it is not right. Now they charging me {$43.00} of interest each month on top of the {$900.00} they have already charged. Please this is not helping me at all, I understand banks make interest but at the same time it has to be reasonable. Please plead for my case.