WillisBack/dataset-financial-user-claim huggingface dataset:
I had opened a Chase credit cards in XXXX I called and requested a credit line increase which was granted and it was increased to {$4500.00}. In XXXX I noticed on my credit report that it stated my credit line had decreased to {$3000.00} and is now going over the credit limit. I was in no way by phone or mail notified that this is a temporary credit line increase. I have disputed this with the car company and have gotten no answers they state that they have no phone records that they can provide for me because if they did it would prove that I was not notified of this. I feel I have been illegally bound to terms that I did not agree with I would like all three credit reporting agencies to respond to me in 15 days with proof that I was in fact correct that this was done illegally I would like this account closed in good standings with a XXXX balance because of what Chase has done to me if they can not provide proof of this I feel that is fair I did not want my credit reported negative in any way shape or form as this was not my fault as a consumer and it was illegal I have attached proof on my credit report stating the drop in the credit line and now because my credit is showing over the limit I can not receive any more credit from this company nor any others I have also lost {$500.00} because I was in the process of refinancing my home and had to pay for the appraisal and now it will not go through because of what they have done to me
As, I was checking my credit report I have come across that this company is on my report. stating that I owe XXXX XXXX dollars.This is only being reported on one report which is XXXX.I don't owe them anything. I have XXXX XXXX in my name as I am writing this statement. Which my account with them is XXXX dollars. So please explain to me how this is on my account.
Greetings! This grievance concerns a combination of bot h Private and Federal loans and how there combined cost create financial strain for me in our modern economy.      If my math is correct : I originally borrowed {$80000.00} in both federal and private loans. I have been making payments towards my loans since  XXXX  of  XXXX  and have a balance due of {$100000.00}. In fact, while gathering information for this submission I discovered that since  XXXX / XXXX / XXXX  my  XXXX  payments totaling {$1100.00} only brought my balance down {$350.00}.     As of right now each month I pay {$230.00} toward s Federal loans and {$350.00} towards Private for a monthly student loan payment of {$580.00}, or 20 % of my take home pay. With so much of my capital being funneled to my loans It makes saving extremely difficult and have had to rely on credit cards for unexpected life events and am now app roximately {$15000.00} in credit card debt.     My private loa ns (   XXXX  total ) alone make up {$54000.00} of the original amount borrowed and all had interest rates around  10-12 %.      I tried working with  XXXX   XXXX   ( now Navient ) to lower my p ayments. There only solution for me was to file for deferment and forbearance. Or, default on my loans and work with the debt collection companies .Eventually I stumbled on an ombudsman group were I filed a complaint and I was able to get my interest rates lowered temporarily.     However, each year I need to report my income. As I move forward with my career and my salary rises my interest rates on my private loans rise. Its   creating a " 2 steps forward 1 step back ''.
For an example if I earn an extra {$200.00} ( gross ) a month : My income driven plan rises, my interest rates rise on my Private loans, and then I pay state and federal taxes on that extra {$200.00}.
American Express charged my account for a product I never recieved even after XXXX disputes providing proper documentation to support my claim. The product was suppose to be shipped. I never recieved the product ordered. American Express conspired intentionally or unintentionally committing or inspiring to commit fraud with the merchant/vendor even after providing them with the shipping order. I expect the credit company American Express to properly review my documents and provide me proper resolution to resolve my dispute. The option of arbitration and discussion with their legal counsel was not provided.
Syndicated Office Systems,XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX CA XXXXhas placed a medical record on my credit report that does not belong to me, they have been informed in writing that i am a victim of Identity theft and i only paid the account, because they said record would be deleted, they have now refused to remove record from my credit. i should not be asked to pay for bills that i am not responsible for, and after payment is made, they still refused to remove collection record
A company calls me numerous times from several different numbers telling me they are from some division law company. Stating that they will file a lawsuit against me because a complaint has been issued under my Social Security number. Saying criminal justice legal law services. It is usually a different legal law service department that calls me. They are calling on my cell phone and at work. They are calling my kids cell phones also and threating them also.
I had submitted a complaint last XXXX to Suntrust, asking them to finally correct damaging and false information sent to the credit bureau telling them the following ( word per word on my CB ( credit bureau ) report ) : XXXX Suntrust Mtg DELINQ XXXX Late Dates XXXX, XXXX, XXXX FORECLOSURE INITIATED ; CONVENTIONAL REAL ESTATE MORTGAGE ; XXXX ACCOUNT/ SERIOUS DELINQUENCY. To then get a reply today from Suntrust saying they reviewed my concerns on their negative information they sent to CB, stating they are required to report accurately, then goes on to state I became delinquent in XXXX XXXX, funny how they never mentioned that in all my 13 years of my loan I was never ever late till then. Then mentioned payment was posted in XXXX XXXX, XXXX and claims that was the last payment ever made. I have all copies of my payment history to Suntrut along with a full log report of my entire ordeal for my " loan modification process ''. 
Then Suntrust claim it is NOT their practice to encourage delinquency on their mortgage to qualify you for a loan modification - that in its self is such a lie, the first thing they told me was, since I was up to date on all my payments I would not qualify for loan modification program, to qualify I would need to be at least 3 or more months in rears for them to even review my application. 
I paid off my entire mortgage loan after my regular home sale, along with Suntrust hefty attorney fees and numerous other fees they conjured up even though they claim I had a " trial plan ''. 
I decided to sell, then to continue being webbed in a vicious circle from Suntrust modification " program '' to keep increasing my debt. 
Attach is the letter from Suntrust to me after I had contacted them several times back in XXXX to have them correct my CB report. 
In their letter they never apologized, but told me it was determined that an " inadvertent clerical error was made '' and requested that XXXX, XXXX & XXXX update my credit report accordingly. Unreal how Suntrust, after submitting wrongful and misleading information to someones credit report, say it was an error! yet even after sending me that letter, Suntrust never sent any information to CB to correct their so called " error ''. 
All I have asked Suntrust is to remove their the damaging and false information. Now you be the judge here, as seen in the beginning of my complaint, they stated I was in " foreclosure initiated '' which was never true, you clearly see suntrust reply saying they " never practice in telling customers to become delinquent on their loans '' for the purpose of initiating a " loan modification '', the other false information they sent to CB was telling I was 120+++ days late. 
First of all when you start a loan modification I was told the process would be on hold till the modification process became active and " no negative report would be sent to CB '' Lies after lies, I am fed up. 
I may be just a number to Suntrust with no concerns for all the negative remarks they sent to CB over and over again. It 's time Suntrust corrects this once and for all.
XX/XX/XXXX, I attended an event and was introduced to XXXX XXXX of XXXX XXXX   as a prospective lender to work with. We had a brief discussion where I asked him from the onset if he executes a soft or hard credit pull because I did not want my credit to be pulled without the appropriate planning. He indicated that he does a soft pull for pre-qualification and it would not affect my credit score. Later on XX/XX/XXXX, I sent XXXX XXXX an email ( attached ) refreshing our conversation. Thursday, XX/XX/XXXX, XXXX XXXX replied back ( see attached ). On Thursday, XX/XX/XXXX, at approximately XXXX XXXX  XXXX XXXX and I spoke via phone to discuss my needs. He took my information which included my address, SSN, DOB, etc. I assumed that he was acquiring the information to have when he would run my credit. XXXX XXXX never asked for consent or indicated that he was pulling my credit right at that moment and I never provided written consent authorizing XXXX XXXX to run my credit. Saturday, XX/XX/XXXX, I received notification that my credit score had changed because of a credit inquiry. When I investigated further I found out that Informative Research was who pulled the credit. I immediately reached out to XXXX XXXX at approximately XXXX XXXX to inquire whether he pulled my credit. He indicated that he did and I expressed that I had no idea that he was doing so. Additionally, I expressed that when we spoke on XX/XX/XXXX where I inquired about whether he conducted a hard or soft pull that he said that it would be a soft pull and would not affect my credit score. XXXX XXXX said that he completely explained to me that he would run my credit. I expressed that I was clear that my credit would be accessed but I should be the one to decide when that would take place and that it should be perfectly clear and he should be given consent from me to access my credit. XXXX XXXX then expressed that he was upset that I was contacting him early Saturday morning. I asked XXXX XXXX to look at things from my perspective as a customer and that if I knew that he was going to be pulling my credit I would not be reaching out to him to inquire and I only knew because my credit monitoring service alerted me. XX/XX/XXXX, I sent XXXX XXXX an email ( see attached ) requesting that he rescind his actions as an error. XXXX XXXX advised that it was not possible and that he felt that he completely explained that he was pulling my credit.
I opened an account with Chase bank, they set the account up after runing mu personal information, took the opening deposit of XXXX on XX/XX/XXXX. i updated my direct deposit to direct funds to chase on XX/XX/XXXX. now XX/XX/XXXX i am being told they are closing my account, rejecting my direct deposit and will mail me a check for the money in 7 to 10 days. i asked why and was told they are refusing to tell me why, refusing to give me any information whatsoever including what information was used to make the decision and will not give me my money back immediately even though they have no reason to hold it. i had a chapter XXXX bankruptcy discharged around a year ago so i donot owe them any money. yet now i am unable tee o pay my bills because chase has ALL of my money and all of my wages in limbo until the decide to send them back. the least they can do is tell me why or at the very least give me money.
Diversified Consultants Inc. is reporting to the credit bureaus that I owe for an unverified debt that I 'm not responsible for. This debt does not belong to me and has created stress.
On XX/XX/XXXX-18 my agent submitted an offer and all documents to Ditech for the short sale. She has continually been asking about postponing the foreclosure sale date, but Ditech keeps saying they are missing documents even though my agent has sent them in repeatedly. when she called in today she was told they couldn't review the offer until they had a postponement of the sale date, which is THIS FRIDAY!
My name is XXXX XXXX. I believe I have been the victim of predatory lending practices on the part of Wells Fargo Home Mortgage Company, which purchased my home loan in XX/XX/XXXX. My home loan, upon a modification by Wells Fargo, went from {$43000.00} to {$52000.00}. In addition, the maturity date went from XX/XX/XXXX to XX/XX/XXXX. The total capitalized amount by Wells Fargo came to {$9500.00}. I discovered a signature page in my records that went unsigned by either myself or my wife XXXX. I believe I was taken full advantage of by Wells Fargo due to my inexperience in this arena.
XXXX XXXX XXXX can get away with identity theft to alter documents and sell that loan with the altered documents
Chase Bank is in violation of the Consumer Financial Protection Bureau 's Consent Order XXXX. As required in paragraph XXXX & XXXX of this order, Chase Bank should have provided me with an effective credit agreement and at minimum copies of the last XXXX ( XXXX ) monthly Account statements. I have never received an effective credit agreement nor the last XXXX monthly Account statements. 
On or about XX/XX/2015, at approximately XXXX XXXX CST, I contacted Chase Bank via telephone in order to request information in regards to these accounts. I spoke with XXXX XXXX with ID # XXXX and requested that information regarding these alleged accounts be sent to me. XXXX XXXX stated that Chase Bank did not have information regarding these alleged accounts. This is a violation of this Consent Order because paragraph XXXX requires that Chase Bank provide a consumer with an effective credit agreement and the last 18 months of monthly statements.
I made a credit card payment for XXXX and Synchrony Financial received it on the last day of their XXXX cycle ( I made an early payment ) and they now say I did n't make a XXXX payment at all and they are charging me " late payment '' fees and my minimum payment has gone from {$67.00} to {$160.00}. I have contacted them XXXX times in the last XXXX days and they removed XXXX late fee and said that is all they can do. So my minimum payment went from {$200.00} to {$160.00}. This is all because they received an early payment.
I was billed by the local electric authority ( XXXX ) for the balance of a bill I did not know that I owed ( I had moved away from the apartment in question several months prior ). I received a letter from XXXX that was forwarded to my new address and I paid the bill, directly to XXXX, on the final day that it was due ( XXXX/XXXX/15 ). 

About a week later I received a letter, issued XXXX/XXXX/15, from PennCredit attempting to collect the debt on behalf of XXXX. I called PennCredit at their listed number on XXXX XXXX. I explained that the bill had been paid, and the person answering the phone assured me that PennCredit would verify this with XXXX and that I would need to take no further action. She told me that PennCredit would be unable to verify that the matter was settled in writing. 

Today, XXXX XXXX, I was informed by my stepmother that Penn Credit repeatedly called my father and stepmother 's house, seeking to contact me. I have not lived in the same household as my father for 17 years. I called Penn Credit to ask why they were continuing to follow up, and the person answering the phone was only able to tell me that she had a record that the debt was paid, as well as a record that the phone call had been made, and did not know why my record was still being called, as there was no outstanding debt. She was unable to provide any kind of additional confirmation that I should not longer be contacted ( really, I should not ever have been contacted in the first place ) and that this would not happen again.
For a Chase Sapphire Reserve credit card : XX/XX/XXXX : I attempt ( multiple times and with multiple hotels ) to book a hotel in XXXX using Chase Travel 's online portal for the weekend of XX/XX/XXXX. All attempts result in messages that the offer is no longer available, but it will let me try to book the same offer again. I call Chase travel, and they are receiving the same error on their end. I escalate to tier 2 support, who is also unable to book. Tier 2 offers me XXXX points and recommends I try again the next day. Points are promised to hit my account within 72 hours. 

XX/XX/XXXX : I try again online with the same results. I call again, and get to tier 3 tech support who has the same issue and claims to put a ticket in to have me alerted when the system is working. 

XX/XX/XXXX : I try again online with the same results. I call again with the agents having the same issue. I am promised XXXX points for my trouble by tier 3 support ( to hit the rewards account within 72 hours ), and that there will be an offer to cover the extra cost of being unable to use points. I book a hotel externally to Chase Travel ( meaning I am unable to use my points ). 

XX/XX/XXXX : No points have hit my account. I call Chase Travel, where a tier 3 support promises they will be resubmitted and hit my account within 72 hours. 

XX/XX/XXXX : No points have hit my account. I call Chase Travel and Chase Cardmember Services. Cardmember services is unable to help. Chase Travel offers to look in to the issue and get back to me. ( Email text below ) XX/XX/XXXX : No points have hit my account nor have I had any correspondence from Chase Travel. I call Chase Travel.  They claim they have not yet looked into my issue due to holiday jams. 

Email received from XXXX on XX/XX/XXXX : I am writing regarding your XXXX points that was promised by the previous agents. 

We will follow up on the call id recording that you provided that requires us to listen for further investigation in order for us to process your request. Once we found out that your promised points has not been processed yet we would be sending you an email immediately or you will receive a call back from us immediately for us to complete your request. We apologize for any inconvenience you've experienced. 

If you have any questions, please don't hesitate to contact us by dialing XXXX and requesting a supervisor. Were available 24 hours a day, 7 days a week.
I had experienced some hardship during the course of my loan with Capital One. I called them up for assistance and they explained that they are able to move the amount past due and move it to the back of the loan, which would extend the date by that number of months. In reviewing my account online, I now have a payment due of 2.7 times my regular monthly payment. I spoke to a representative and she said that I can make a partial payment, but if the full is not paid in 30 days after the due date, it will go on my credit. We have been good customers with the bank for years and this is how they treat their customers? 

Also, on their mobile app, the it is stating that our payment due is {$350.00}, which is different from the website and the automated system. Thus, their company is even telling me different information.
I have been yrying to aell a house and pay XXXX to Wells Fargo to pay off the HELoC. The titltle company and i have been calling them daily for a week. We have received XXXX differemt fax numbers to send the authorization and release to. As of today, they can not verify they have have received the authorization. And wont talk with my loan closer on the phone unless I am on the phone. They also refuse to send a payoff quote so that we can finalize. They also refuse to let me take an aithorization to another branch office. As a result, te biyer may cancel the contract and we could suffer financial penalties.
i am a victim of identity theft and was XXXX from XX/XX/XXXX until XX/XX/XXXX. I got released from XXXX Correctional Facility- XXXX XXXX on XX/XX/XXXX. Attached is a letter from the XXXX XXXX XXXX XXXX showing proof, I was XXXX and the following unauthorized and fraudulent accounts do not belong to me : XXXX XXXX Bank, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Bank and XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX.
Received a phone Call from ERC for a debt in XXXX of 2016 Paid debt in full cleared my bank account on XXXX XXXX 2016 still they have not removed derogatory mark from my credit reports even after filing to disputes with the credit bureaus.
An account closed by credit grantor is still showing on my XXXX report even though it was closed on XX/XX/2011.This is a fair credit reporting act violation. It is older than seven years. I have tried calling, but I keep getting the run around.
XXXX who is the Manager of Justice Finance which is located on XXXX XXXX in XXXX, TX. Yes I borrowed initial {$400.00} and paid it off, and I went back and borrowed {$500.00}. 
Well unfortunately we had deaths back to back in my family, and with all the stress and strain, I did forget to pay ... So XXXX XXXX took it upon himself and call my references, Okay I understand that. 
But XXXX XXXX decides he wanted to disclose my personal information, yes he violated my F.C.R.A ... .my references should not know how much I borrowed, when I borrowed it, and when you need me to come in and pay. He started by telling my mom, and then he went down the line. 
that is so unprofessional, and a major violation.
Equifax wont let me see report credit file wont let me have acess I never ordered  XXXX  service that yea r 2016
I recently paid off my Mortgage Account with Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. My Account Number XXXX. 

I received a refund back from Specialized Loan Servicing for the amount of {$2300.00} regarding Escrow Account. The check was made to XXXX XXXX XXXX and XXXX XXXX. 

My husband and I recently divorced on XX/XX/2018. XXXX XXXX XXXX moved out of state to Washington and I mailed him the check to sign over to me since I made all payments on the loan and the house is legally in my name only. I took the endorsed check to my bank XXXX XXXX and they had told me that they could not accept the check without XXXX XXXX XXXX being present. I explained to the bank the reason he signed it was that he was out of state. They stated because the check was made out to XXXX XXXX XXXX " and '' XXXX XXXX that both parties needed to be present and to ask the issuing bank to make the check out to XXXX XXXX XXXX, XXXX XXXX and they would be able to cash the check. 

I contacted SLS on XX/XX/2018 via email per their request it needed to be done in writing ( see attachment ). I called and spoke to Floor Supervisor XXXX on XX/XX/2018 who stated he would place the request to the Refund/Credit department and to call back on XX/XX/2018. I called back XX/XX/2018 and was told XXXX was out of the office. I called back on XX/XX/2018 and was told XXXX was busy on the floor and would call me back. I called back on XX/XX/2018 XXXX said that XXXX was on a phone call and I stated that I would hold after 10 mins XXXX came back on the phone and said XXXX was training and would call me back at the end of business day. I never received a call. I'm holding onto a check {$2300.00} that will no longer be valid. 

I'm requesting a new check to be issued by SLS for the amount of {$2300.00} made payable to XXXX XXXX XXXX, XXXX XXXX ( without the " and '' ) so I can present it to my bank to be deposited into my account. 

Please assist me with my request. 

Thank you in advance for your prompt attention to this matter. 

XXXX XXXX, XXXX XXXX