WillisBack/dataset-financial-user-claim huggingface dataset:
I started monitoring each bureau and quickly noticed that because my XXXX XXXX DOES NOT HAVE A LIMIT any money I spend on it that should ever happen to get reported to the bureaus for the month is subtracted from the amount my other cards report this is to calculate a " FICO ''! So the FACT I HAVE A CREDIT CARD WITH NO LIMIT THAT GETS PAID OFF IN FULL MONTHLY SOME HOW BRINGS DOWN MY " FICO ''! Now the story is only going to get worse but thankfully I have over 25 pages of evidence to prove my nightmare experience! For REASONS EVERYBODY CAN NOT UNDERSTAND, EXPLAIN OR FIX! EVERYONE being TRANSUNION, XXXX AND XXXX ... as well as XXXX XXXX! There was a set monthly payment of {$14000.00} being reported and a credit card limit of {$29000.00}. The number they have been incorrectly reporting for months is my high balance for one month! Where the {$14000.00} monthly payment came from IDK! When I review all the reports I notice this XXXX XXXX shows up in the derogatory account section on all three as well! But the " Status '' hasn't been updated for the account since XX/XX/2012 just the " Balance '' has! SO based on this NIGHTMARE I STILL HAVE NO SOLOUTION TO I had to pay cash for my condo in XXXX XXXX because based on the bureaus I AM A HIGH RISK! I feel I should get the Hard inquires I got while trying to get a mortgage loan removed because the information WAS NOT AND STILL IS NOT ACCURATE! I HAVE BEEN DEALING WITH THIS FOR ALMOST A YEAR AND THEY EACH HAVE BEEN NO HELP ONLY HINDERANCE!
I opened a Citi Gold checking account with promotion code XXXX. This promotion was for XXXX Thank You points. I met the terms of the promotion. On multiple occasions I called and asked if I was enrolled in the promotion and I asked when I would be receiving my points. I never got my points despite Citi informing me that I was enrolled in the promotion and met the terms of the promotion. Eventually I opened a support ticket to get my points. Citi then stated that I was not targeted for the promotion and that I already had opened an account recently with Citi which disqualified me from the promotion. This is not acceptable. Citi should not inform me that I met the terms of the promotion and was enrolled in the promotion only to tell me after I met the terms of the promotion that I was not eligible to receive the promotion. This is completely unacceptable behavior. I have been reading accounts about this happening to many other individuals online. Citi should honor its word.
I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX-ny Inquiry from XX/XX/XXXX + Telephone Companies XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX 
XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + Credit Unions XXXX/XXXX Inquiry from XX/XX/XXXX - Specialty - Shoe, Hat, Etc. 
XXXX/XXXX Inquiry from XX/XX/XXXX + Home Furnishings XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Misc.
I was part of the Wells Fargo suit settlement in connection with enforcement action related to deficient mortgage servicing and foreclosure processes between XXXX XXXX, XXXX and XXXX XXXX, XXXX. Now Wells Fargo has grossly mismanaged my home mortgage account, yet again. I entered into Chapter XXXX Bankruptcy on XXXX XXXX, XXXX. BK Court gave amount I was to pay to Wells Fargo for mortgage, through loan Modification. Every time I went to Wells Fargo Bank to pay the set mortgage amount, they argued with me that that was the wrong amount. My check was already made out for that set amount. I did not find out until yesterday, that they have been unapplying my payments -- XXXX of them and them ONLY applying XXXX of them, eventually, at the higher payment amount. They NEVER honored the payment amount set in the loan modification of XXXX. Interest was taken out on all payments, however, they have now charged my account for {$21000.00} in past due interest, on my XXXX-yr. old loan, making my new payment more than I can afford. They have made excessive demands for additional documents and are only interested in setting this new loan modification up for them to foreclose. I am a senior citizen living on social security and need your help.
COLLECTOR FAILED TO CEASE AND DESIST DEALING WITH THIS FRAUDULENT ACCOUNT WITH XXXX DIRECTLY. REMOVE ALL INVALID CREDIT REPORTING FOR ALL XXXX ACCOUNTS. ON XXXX/XXXX/2016 COMPLIANT XXXX WHERE I ASK FOR VALIDATION AND CEASE AND DESIST, BECAUSE I AM DEALING WITH THE CREDITOR DIRECTLY. THE CREDITOR NEVER SENT FRAUD COMPLIANT FORMS AS REQUESTED 3 TIMES IN VIOALTION OF FTC.
I am uploading a letter I received from transunion on XX/XX/2019. I have made it very clear that the account I am disputing XXXX  XXXX XXXX has fraudulent activity on it. I explained in depth that I did not make these fraudulent charges and I want this account removed off my transunion credit report. I cant be more specific as I am. That account has fraudulent charges and I should not be held responsible. I reported this years ago to XXXX  XXXX XXXX when I lost the card. I was told back then that I would not be responsible for those charges. Well years later its still reporting on my credit report which is causing me a hardship in obtaining substantial credit. Transunion is playing games and I am submitting this complaint on them because I already specified in detail. Not responsible fraudulent charges please remove off report like XXXX  did.
Once again, Machol & Johannes has failed to send me the paperwork required by Colorado state law. They garnished my bank account on Monday, XX/XX/XXXX. By Saturday, XX/XX/XXXX - MORE THAN A MONTH LATER - they still had not sent the proper notification and exemption form so that I could fight it in court. Now the deadline has passed.
Nationstar Mortgage has stalled at every request. I have gone to     XXXX   XXXX   to refinance and get a loan on the equity on my home. I have been making automatic withdraw payments for over  three  years without fail.  XXXX  let me be late for two years without notifying me and wouldnt rectify it for my credit even though they were automatic payments. I fixed the late payment issue and continued to make on time payments for over a year. My mortgage guy at  XXXX  was on a conference call o n 4  different occasions with Nationstar representatives trying to get them to update my payment information for my credit report. They failed to do so for over a month. I contacted them today a t    XXXX   XXXX   with my  XXXX  rep, and they verbally responded that my payment information would be updated by  XXXX   XXXX . I did not agree with this and asked for a supervisor. We waited on the phone for ov er 15 minutes  longer and they assured me I would get a phone call in "  15 minutes ' ' by a supervisor. That never happened. This company is inept and I cant take it anymore. I am being punished because of thier incompetatant procedures.
I have been the victim of a student loan scam. On XX/XX/18 I received a letter in the mail that said it was the final notice for student loan consolidation and Payment Reduction Program. I called the number ( XXXX ) on XX/XX/18 and ended up giving him my FSA ID password, thus he was able to login to my account and see my personal details, including the last 4 of my SSN, date of birth, home address, etc. After getting off the phone it felt suspicious so I XXXX  the number and it showed up as a scam. I am worried about what he can do with this information and will be freezing my credit score at all 3 credit agencies and signing up for an identity theft protection service. I would also welcome any advice on other things I can do to protect myself.
XXXX XXXX closed out my credit card with Walmart as I received a letter dated XX/XX/XXXX18 which I received on XX/XX/XXXX18 stating the account has been closed and the decision was based in part on a scoring system that was used to predict creditworthiness and it indicates scoring system and list, 5 characteristics where I did not score well. I have paid my credit card each month on the due date, with maybe one late payment and I also paid my account within the last 30 days to a zero balance. I have not had any contact from Walmart or XXXX XXXX   concerning this situation until now but when I paid my balance to XXXX  to show i am paying my account down and showing responsibility and also creating less debt for myself then they come up with there decision to close my credit card account. I have never experienced this before. XXXXXXXX XXXX and Walmart have very unfair practices. As a dedicated Walmart consumer i am very displeased with this practice.
CFPB Team : I have already submitted what I believe to be data security violations ( Case XXXX ). 

Here are pictures of what I believe to be data security violations at Morgan Stanleys XXXX XXXX. I have n't worked at Morgan Stanley, but these pictures are on XXXX and clicked ( pretty obviously ) inside restricted areas. You can see the work environment.
We have hired an attorney on XXXX XXXX to assist us in contacting Real Time Resolutions. As of XXXX/XXXX/XXXX Real Time Resolutions has not responded to any emails, phone calls or letters in regards to our closed account with them. 

The account was in relation to a mortgage loan associated with our XXXX home XXXX XXXX XXXX. 
Effective XXXX XXXX we no longer carried a mortgage on the home, as we voluntarily agreed to a forclosure. The original mortgage was an XXXX carried by XXXX XXXX XXXX XXXX. 
Not until after XXXX XXXX were we informed that we had a collections account active from Real Time Resolutions for the unsatisfied amount of the Home loan. 

Real Time Resolutions took the debt over after the sale of the forclosure to collect on the unsatisfied amount ( XXXX % ) which after the sale is considered an unsecured loan. 

Payment arrangement have never been made between us and real time resolutions at any time. We contacted them in XXXX XXXX and agreed on a settlement amount to close the collections account. It was then that we realized they have been reporting to the credit bureaus as late for every month up to XXXX XXXX as being XXXX days late. 
An earlier credit report shows a the correct labeling of the collection, but also reflects the incorrect late pay reportings. 
As of today in an attempt to be pre approved for a home loan we have been notified that the label of the account has recently changed to as a " mortgage account ''. 

We brought the matter to our current attorney, and he has informed us that the account has been mislabeled and should be labeled as an unsecured installment loan. We have been attempting to contact them since XXXX XXXX, XXXX at first for the incorrect reporting of late payments and now we are also facing an incorrect labeling of the account. 

Attached you will find the letter showing the settlement paid to Real Time Resolution, and County court docs supporting the sale of the home we no longer owned effective XXXX XXXX.
Bank of America has shut off communications ( see Exhibit 1 ) and has refused to correct its mistaken duplicate lien that it added onto the subject property. Bank of America has failed to submit a title insurance claim to XXXX XXXX ( see Exhibit 2 ). 
Bank of America points its finger at XXXX. However, XXXX, the mortgage servicer only, was not the responsible mortgage note holder that created a duplicate erroneous lien ( see Exhibit 3 ) Bank of America was. Moreover, XXXX is a company that is out of business, and the fiduciary of XXXX corporate corpse accepts no responsibility ( see Exhibit 4 ). 
To repeat, Bank of America acquired the $ XXXX mortgage, for which the complainant has been paying for ever since then as part of her consolidated mortgage ( see Exhibit 5 ). But Bank of America, obligated to ensure that its new lien/mortgage didnt duplicate another lien/mortgage, failed to do so ( see Exhibit 6 ), leaving the complainant with extensive damages!!
My XXXX yr Old Mother is being Harased and Intimidated by RMS reverse Mortgage XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX by XXXX XXXX XXXX XXXX XXXX. She was in the Hospital and RMS was told this and Started Foreclosure proceedings. The reason was that she was not occupying the property. When she came back home she started getting the Notices. We were told to have her sign return the Occupancy Letter. There was never any occupancy letter ensclosed. Only form to surrender the Property and hand over the keys. The Loan Balance is XXXX K the Home is appraised at XXXX. This is predatory lending practices to take a large amount of equity away from an unsuspecting XXXX person. I can never reach XXXX XXXX hes always Not Available or out of the office. We get the letters sent by Special Delivery on Saturdays when there office is closed My Mother who is XXXX. This has been going on since XX/XX/XXXX. We have faxed over utility bills and a signed letter that my Mother resides at our residence. The Company has stated that the loan will be taken out of default and Reinstated but they refuse to send us anything in writing. Last weekend we received yet another letter again threatening foreclose for unpaid taxes. I have paid all the taxes current. The letter even states the amount owed for taxes is XXXX. But they keep sending the forms to let the property go to them so they can steal all of our equity.
I have never been contacted by this group. The only reason I knew of debt was when I applied for a mortgage in XXXX 2015, and it had impacted my interest rate. XXXX XXXX XXXX XXXX re : bill, and asked for an invoice/bill, which I did n't receive. Paid debt anyway in hopes it would n't continue to negatively impact my credit. It is still being reported by XXXX credit agency XXXX, and not XXXX. When revieing the record it is still noted as unpaid although there is a XXXX balance. I believe this should be removed due to the fact that I was never made aware by XXXX, nor CBE of the debt in any manner ; therefore I was never able to pay the bill in a timely manner.
I am writing to file a complaint against Revenue Assurance Professionals for {$210.00}, {$68.00} and {$140.00}. I never received a dunning letter to give me a chance to dispute this information. I submitted a dispute to this agency in XX/XX/XXXX and never received a response. I want this inaccurate information removed from my all three credit bureaus XXXX XXXX XXXX XXXX immediately and a letter from the company confirming the deletion of this inaccurate information from my credit report.
I have asked Grant and Weber to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
In XXXX there was a fraud issue with my Captial one credit card. Apparently, someone got a hold of my credit card information and made charges to my account. Prior to the charges made, I made a credit card payment of {$160.00}. When I received the alert regarding informing me that my credit card information had been compromised, I immediately check my account and noticed that there were charges on the my account that I did n't make. I then contacted Capital one and filed a fraud case. After six weeks of not receiving a follow up call from Captial one. I decided to give them a call. On XXXX/XXXX/16 I contacted Capital one to find out what the status of the fraud investigation was. After spending an hour talking to XXXX Capital one representatives, I was informed that the issue has been resolved and the outcome was that all of the charges made to the account would be refunded, I would n't be responsible for the current amount due which is {$82.00} and I would have a new credit expedited to my resident. Today, I contacted Capital one and was informed that a new card would n't be issued until I pay my current balance of {$82.00}. I then explained to the representative that I have XXXX other major credit cards and I have never been told that they would n't send me a card until pay my current balance. I asked to speak to a supervisor, but was told that there was not supervisor available and if I did in fact speak with XXXX, they would in fact reiterate what I was already told.
XXXX   has  XXXX  items on my credit report that do not belong on there.   XXXX  1.  XXXX   XXXX  Was never late and that account does not even exist anymore. They have even said in the statement they can not verify it but they keep reporting it as paid late. The account was never late, it was never defaulted on. Make them remove this immediately, it is past the 7 years that it is supposed to be reporting anyway.   XXXX  2. On my   XXXX    XXXX  they have a negative comment that I had disputed this account with them, why it has never been late and always paid on time. Remove this comment immediately.   XXXX  It is apparent they are trying to hurt me financially.
On XX/XX/XXXX I had my credit scored pulled to purchase a home for my wife and I. My score was extremely low because there was a charge off credit card from Wells Fargo. We never use that credit card and we always watch our bills to make sure payments are conducted on time. Apparently there was a purchase made on XX/XX/XXXX for a renewal from microsoft which we cancelled and they still charged, we never received a payment notification from wells fargo for the XXXX charge from XXXX. No phone call no e-mail, nothing. Now that we are trying to purchase a home it 's become impossible because of this one card and a charge we were never notified off.
So my husband and I finally had the revelation to file taxes separately in order to drop my monthly payment for my student loans. I am under the  PAYE  program and public service loan forgiveness, so my goal is to get as tiny of a monthly payment as possible.     My current payment is {$1300.00} per month. According to the payment calculator, my new payment since filing separately will be around {$300.00}. I applied to recertify/update my income with myfedloan servicing  ( FedLoanServicing )  on  XXXX   XXXX . They told me it would take  7-10  days to process, that I would still need to make the  XXXX  payment of {$1300.00} but by  XXXX  it would be the new, much lower payment.     Well, it 's been crickets. Finally, I called yesterday and was told that my application was still being processed. That they are experiencing delays with processing, and now it could take between  15-30  days! So I 'm going to have to make ANOTHER payment that is {$1000.00} higher than it should be. I asked if I would be reimbursed for the difference and surprise surprise, no, I wo n't be. Is n't there some sort of limit by law on the time they can take to process a repayment application?
I called JP Morgan Chase on XX/XX/2017 asking to look into some weird spending activity at an ATM. The amount of {$82.00} was withdrawn 4 times, on a day I know I did not go to an ATM, and I would never withdraw the same amount 4 times. After looking into it with an agent, spending a long time on the phone, and probably recorded, she reported that that Non Chase ATM was in a location I could not have been at. So I began to look into other Non Chase ATM withdrawals I could not see the location of and discovered, while on the phone with her, that I had a total of over {$1100.00} fraudulent Non Chase ATM withdrawals. A clone card was made and somehow they were making withdrawals ( boggles my mind ). There were XXXX in total, ranging from XX/XX/2017 to XX/XX/2017 I reported the claim the very next day, or maybe even same day on XX/XX/2017, with a form I have a copy of. I was forwarded the amount taken fraudulently out of my account. Then on XX/XX/2017 I was sent notice from Chase, saying that my claims were not valid and the money was taken back out of my account. I called the claims line and was told, not because the claim and fraud was n't true, but because I had checked my account at a time earlier and had not reported the fraud ( that I did not see ) tat I was at fault. I had not reported it because I did not know it was fraudulent because the description only says " Non Chase ATM withdrawal ''. I make a lot of Non Chase ATM withdrawals, and may have only been checking for a particular transaction, not noticing the fraud. I actually only realized and became aware of the fraud on the phone with the agent, and if the call was taped there is proof of that, on the call. After I found out one withdrawal was at one location, I had her check another and another. Remember this is only a matter of 7 days from beginning activity to reporting it. When I called I was told that I could not appeal and that Chase could not be responsible because I had checked my account. I told them I did not realize there had been fraudulent activity till I called in. I have been told this a violation of Reg E ( 1005.6 ), the Electronic Funds Transfer Act, which limits liability to consumer if you report it within 2 days of **learning of the fraud**. In other words, not since it happened. As I said the " Learning '' happened while I was on the phone to them, and it is on tape. Quite obviously the fraud is true, the money was taken out of my account, and I did not know about it till I was on the phone to Chase. Why am I being penalized? Is there anything you can do to help, or anyone I can talk to?
Today XXXX/XXXX/XXXX I found out by chance that ( Capitolone 360 ) My mortage compay paid my property finance taxes without permission. - they ( Capitolone ) told me that the XXXX informed them that I was deliquent. Since I could not speak with someone fromt he XXXX. - I had to make and inperson visist - I explained my problem and they told me that my taxes was not deliquent ( despite what they paid - {$1500.00} XXXX. I was inofrmed in order to be deliquent, I had to be 180 days in arreas, - Because of this my mortagate payment went from {$640.00} to $ XXXX starting in XXXX XXXX - I have had this account for over 7 years - I was first with XXXX - Capitiol took over the loan in XXXX - I have never had a problem - I have only received XXXX inquiry from Capitolone asking to submit proof that the taxes was being paid. in XXXX which I complied -To me this another way of predatory practices
I have been making payments on my loan for 5 years. The numbers do not add up when I do the math and I tried calling them many times in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I spoke to multiple people over the phone and then tried to chat and still no help. We just went around and around. I told them I was going to have a company look into how much they were charging me and they quit responding to me. I just kept making my payments until this month when they charged me over {$200.00} in interest. I have a pretty good log on payments and balance and just want a clear and transparent explanation of why I am being charged so much. Please help! Thank you.