WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017, I went to Ashley Furniture in need of a new sofa. I was interested in purchasing the sofa using the 18 month same as cash line of credit that Ashley furniture offered through Synchrony bank. I applied for credit in the store via the credit application kiosk and was instantly approved for {$2500.00} line of credit. My sales representative XXXX let me know that in addition to whatever I was approved Ashley would authorize a 10 % increase which was {$250.00}. I purchased the furniture, arranged for delivery and enjoying the new sofa currently. 
On today XX/XX/2017, I registered my Ashley Furniture card that I received in the mail and did a check on my account details online. I noticed that my balance was {$2700.00} which was expected. It also showed that my credit limit was {$2500.00} and {$250.00} over the limit. I am absolutely disturbed seeing this. Going over the credit limit on a credit card is detrimental to the credit score and history. I immediately called Synchrony and they stated that I am over the limit by {$250.00}. There is nothing that they can do except request an increase for {$250.00} or me pay the {$250.00} to reduce the balance. I called Ashley Furniture and they said there was nothing that they can do as I have received my furniture. My credit report and score means my lively hood. I make sure that I make payments on time and cause nothing to negatively affect my credit. I agreed to the sale however, I did not give any authorization for the store to charge my line of credit over the limit. I signed for the total sale amount. They used this as a predatory sales tactic to get consumers to buy. I was told that they would increase my credit limit by 10 % as almost like in-house financing. I was not told that it would be reported as over the limit to the credit bureau. 
This is predatory lending to get sales and I would have never authorized someone to charge more than what my limit allowed. Please Help!
Early XXXX 2016 I had a Macy 's Credit Card with a zero balance and a {$15000.00} credit limit. Macy 's allowed someone to purchase {$14000.00} worth of small leather goods and had them delivered overnight to an address in XXXX. Macy 's allowed someone ( the same person I assume ) to change my name, address, phone number and email address as well and in addition shipped this person a new Macy 's card with a new number. XXXX day after the purchase I received a voicemail from Macy 's credit fraud stating that they thought there had recently been buying activity not normal to my buying patterns and to please contact them. I rarely spend more than {$100.00} per month and then pay the balance in full so I do not have any interest charges. I called them. They sent me an affidavit to fill out stating that the charges were not mine. I filled it out, signed it and sent it back in XXXX 2016. They claim they never sent or received XXXX. I began to get collections calls three times daily. I would speak with collections who would have me call fraud where we would speak up to an hour. Everytime this happened I was assured this matter was taken care of. I read my credit card agreement and saw I had to send a letter telling them to stop calling me. I did that. They continued to call me. My XXXX score went from XXXX ( excellent ) to XXXX within 4 months due to a serious delinquency on XXXX account, Macy 's. When I called again In XXXX I was told that the fraud report had never been submitted. Macy 's would place the now {$16000.00} plus amount on the old card and then switch it to the new card and then back again without ever closing it out so that I always had a delinquency. Fraud even told me that they had to investigate in case it was my bill. I had them send me the receipt was looks like it was made on a smart phone and the signature looks like a XXXX or a XXXX but certainly not my signature which is on file. I told them to look at the affidavit but they had no knowledge of it. The credit agreement said all disputes had to go thru arbitration so I filed with the XXXX XXXX XXXX only to find out that Macy 's had never registered with them. They sent Macy 's and their parent company Citibank and Department Stores Credit several notices to defend as well as a request to either register with them or strike the arbitration cause from all of their agreements immediately. Macy 's only responded that they were aware of the arbitration but never entered an intent to appear. Arbitration had to close the case and told me to take it to the Court XXXX XXXX. I thought I would try CFPB first before suing. My 2 % mortgage is to be renegotiated very soon and while my XXXX score is slowly climbing back up due to my habit of paying before due dates, it only climbs up XXXX points per month. It still has the Macy 's serious delinquency on it and states that it will remain there for 7 years. I doubt I will get up to Excellent credit 's minimum score of XXXX by then and might never see my score of XXXX again. Please help.
All my answer are None of the above but i can no see my credit report. I did n't live at XXXX ... never in XXXX The security of your information is our priority and it is of utmost importance. Please help us confirm your identity by providing answers to some questions below. 
1. Your credit file indicates you may have a retail card, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX NONE OF THE ABOVE 2. Your credit file indicates you may have a bank card, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX NONE OF THE ABOVE 3. Your credit file indicates you may have an auto loan/lease, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX NONE OF THE ABOVE 4. What is the total monthly payment for the above-referenced account? 
{$600.00} - {$640.00} {$650.00} - {$690.00} {$700.00} - {$740.00} {$750.00} - {$790.00} NONE OF THE ABOVE
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to AMCOL which was received on XX/XX/XXXX at XXXX. The letter an affidavit was sent requesting proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. AMCOL Systems also has failed to provide and Health and Portability Act release form or ( HIPPA ) pertaining to this matter AMCOL Systems has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of AMCOL Systems. AMCOL Systems is in violation of the fair debt collection practice by continuing to  report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
XXXX XXXX XXXX XXXX Loan Companies : XXXX XXXX, Navient, XXXX XXXX XXXX, XXXX XXXX XXXX Debt : {$100000.00} All loan servicers require expensive payments. Through the last XXXX years have " juggled " loan servicers by applying for forbearance to " catch up '' with individual loan servicers. Navient has recently told me to file forbearance with XXXX XXXX XXXX so I can pay them while being threatened with default. Now, interest will build with XXXX XXXX XXXX and all that money I paid to get ahead will put me behind so I can pay Navient. For the last XXXX years, I have repeated this forbearance process with all loan companies to protect myself from garnishment and my father cosigner. 

Will there ever be any help or relief for students that went to XXXX XXXX XXXX who were deceived, manipulated, and rushed into all these loans that are hurting lives?
- Opened a personal checking account at Huntington bank on XX/XX/XXXX - Deposited {$2000.00} via personal check of my spouse on XX/XX/XXXX - Deposited another {$2000.00} via personal check of my spouse on XX/XX/XXXX - Account freeze for verification. Received a letter that the fund will be held until XX/XX/XXXX.

- The fund is cleared from the payer 's bank on XX/XX/XXXX - Account still freeze after XX/XX/XXXX. Talked to a supervisor via phone customer service. Received an answer that the fund will be held for 30 days. The date that the supervisor gave is XX/XX/XXXX - After 30days the fund is still held and the account is still locked.
Bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I'm filing this complaint against them for unfair credit reporting XXXX XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquiry from  XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX   XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX inquiry from  XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX
My mortgage company, LoanDepot sent me notice that my taxes were increasing {$110.00} per year but my monthly payment would increase {$70.00} per month. I 've made several attempts to correct the matter via email and phone. Today, I called and the was placed on-hold to speak to a supervisor but no one has picked up the phone for over 45 minutes. I feel like LoanDepot is intentionally giving me the run around to discourage me from having the matter corrected as a similar tactic was used used previously when they asked that I allow them to analyze the matter and then they would call me back.
I paid my lease off early through Chrysler Capital. They sent me a statement in the mail with any outstanding balances. The only thing that showed a balance was a negatively amount ( overpayment ) of sales and usage tax. At the bottom of the statement, it states that any negative amounts will be credited back to you. I called them and they refused to give me a refund, although the statement clearly states that. After several calls and speaking with management, I have not received a solution. I have been told that it is incorrect and a " computer-generated document. '' I do n't feel that should matter ; if you send me something stating that I overpaid, I expect a refund. Their customer service staff and managers are nothing but rude and combative.
On XXXX/XXXX/XXXX I was contacted via phone by a XXXX XXXX with Coastline & Associates about an alleged debt that I owed to a local hospital from XXXX. XXXX XXXX said they have been trying to serve me and the sheriff was coming. My credit would be harmed. They would lean my assets and my house. Just very threatening and mean. If I agreed to pay then via credit card they would send a release to fax and reduce the claim by half ( {$500.00} ). I fell for it and gave them the credit card which was immediately charged. I called the hospital and there is no unpaid bill. XXXX XXXX found me by calling several relatives. I have tried to reach her, but there has been no response. Her supervisor is a XXXX XXXX. His email address is XXXXXXXXXXXX. The research that I have been able to pull online shows that this company is located in XXXX, CA. Address is XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX
I received a collection notice from XXXX XXXX the current creditor is Cavalry XXXX. I called Cavalry to ask them if this as collection from 2011 would come off my credit report since it was transferred to another agency no one could tell me even the Vice President of Operations refused to tell me. His name is XXXX XXXX. I also add o asked when did I make my last payment he said XXXX 2011 I asked by check money order he did n't have access. I also asked if I paid this debt would the credit reporting agency start the statute of the debt start over he could not answer. He kept telling me to contact XXXX XXXX. He had no answers to my questions. I do n't feel he was being honest. I asked him about deleting the debt if paid because of the age of debt he had no answer only that they do n't delete for payment please help me understand how a debt can be given to another agency and both can report on my credit report.
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency an d have gotten little response. My official complaint is against PHOENIX FINANCIAL SE for reporting credit informati on to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
This was an old credit card that i hav n't had for over 6 years. This account was 4 months over due back in XXXX XXXX i had lost my job and lost my grandmother and could not pay back then but its been pay now for a while. They reported to the bureau that they updated in XXXX XXXX. I dont understand why
we did a XXXX transaction at XXXX to purchase parts on XXXX XXXX  directed us to our PAY PAL account to pay. the transaction was intercepted by a 3rd party- and from XXXX that night til early morning they transferred money out of our accounts. PAY PAL did say we were covered- but the transaction were made and processed - the other parties that were selling product ( BITCOINS ) ALL LOST THERE MONEY AND THINKS IT WAS OUR CORPORATION THAT DID IT-Pay pal only has told them it was unauthorized transaction- They refuse to tell these people that it was not us evolved!!! so we are getting threats and social media blasted - We requested PAY PAL to send us letter stating that our corporation and our employees were not involved with the fraud, and we were victims like all of the buyers. We have been in business for 30 years and its a shame we have to defend our selves for something we had nothing to with. 
Very Truly XXXX XXXX
I am complaining about Navient. 

I was pushed into a forbearance program even though I was willing and wanted to lower my payments. This has resulted in accumulated interest that is crippling my ability to pay this down even after paying for 7 years.
This is my 2nd complaint with the cfpb about Wells Fargo for the same issue. There was fraud on my account. I did not commit the fraud or benefit at all from the fraud. Wells Fargo continues to refuse to give me more information about the transactions that occurred in regards to the time/date so that I can better prove that I did not commit these transactions. Wells Fargo 's response has been continually as follows : After careful review of our records, our Fraud Department 's review of your claim was denied, and as such, you are responsible for this account and it's balance. The company ( Wells Fargo ) did not contact me at all in regards to the additional documentation that I have provided them through 5 appeals, 1 x cfpb claim, etc. They continually rubber stamp my complaint as denied. I do not have the ability nor know what I can do next, and need help. I was told specifically that because they initially marked my fraud case as " card stolen '' and that there was not a police report that they were denying the case. The police department told me that they do not take cases like this, since i'm not the party that lost the money. I was told that I had fraud protection on my account, and as such, I want the account balance to be waived. If you can provide me the time/date of the transactions, I can also submit additional information and proof of my own location at the time of the transactions to help prove that I was not party to those fraud transactions.
In the spring of this year I received a call from my currant mortgage company, Citizens Bank, telling me I could refinance my currant loan for a lower interest rate. I have had my loan with them for aprox. 8 years. I told them yeah great. I went through the whole process and received a call for someone to come and do an appraisal and when I gave them directions and told them it was a double wide manufactured home I was called and told I could not get the loan. Now they are the ones that gave me my loan 8 years ago and now I am not good enough to redo it!!!!!
I have fallen behind in my payment schedule with the company. I have made a payment today to reduce the balance. However, the company has called 5 times ( 4 times to my cell number and 1 time to home number ) today from different numbers creating an environment of harassment : Number Time ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( Placed to my home number ) ( XXXX ) XXXX XXXX XXXX I was under the assumption that this type of harassment had been addressed during the time when XXXX XXXX XXXX and the CFPB reached an agreement in XXXX regarding the tactics employed by ACE. But it appears that the company has disregarded the agreement.
Hi, I opened this card on XX/XX/2018. Approved for {$500.00} an unsecured mastercard. I received my first bill after with no card but still made payment and advise customer service of it. I then moved and ask to send to my XXXX XXXX they said no because I never made purchase but I have always paid on time dispite not getting credit card after calling 3-4 times just to find out customer service sent me to robot. Make a long story short all fees were paid by me on time because I did not want to ruin my credit. Available now is {$500.00} with nothing owed. They refuse to update my account. I am a victim of XXXX  XXXX and had to move but besides that I check all my credit reports Experian, XXXX, XXXX   and this credit card does not appear on my credit as paying on time for 3-4 months nor does it show at all I own on my credit report and I am wondering if this company is legitame as well after taking my money and no card and no reflection on my credit report
XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report did not belong to me and was a result of fraud. XX/XX/XXXX I  received this response : The company that reported the information has certified that the inofrmation is accurate. This item was not changed as a result of our processing your dispute. Please review your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is due to fraud. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the federal district court listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.
On XX/XX/2017 I sent a letter to XXXX requesting that they update my personal information as they had listed incorrect names and addresses for me. I asked them to delete these names/name variations and addresses as my name and addresses, as reported on my social security card and driver 's license was the name and address that should have been listed on my credit reports. 

As a result of my request, XXXX informed me that they would not remove these names and they still remain on my report to this date.
My personal information was severely by Equifax and their security team, and was not informed about this directly until the report came out a month later, and I had to check online on my own accord to see if I was affected. I have had to place freezes on my account with Equifax, XXXX, and XXXX. However, I still have trouble getting through with Equifax 's system to place a freeze on my account with them, which is very counterproductive, especially with a company that just mishandled my information.
I am a XXXX woman, XXXX years old and XXXX. I have been trying to get my home modified since XX/XX/XXXX. I had zero luck and it was very hard for me to get around my house to fax all the documents they had always requested over and over. I am in a wheelchair and live alone ; I have to wait for my son or daughter to come home from work and help me, if they were not too tired. I did everything my lender they had asked me. On XXXX/XXXX/XXXX, my lender, Selene Finance, denied my loan modification request stating that I had " insufficient income to support a modified payment ''. They calculated my income much too low and wrong, about {$1700.00} too low! They did n't give me time to appeal this - they instead sold my house at foreclosure auction on XX/XX/XXXX. I had no time to tell anyone what they calculated was completely wrong. This is a violation of the rules, how can they calculate whatever they want, deny it and then sell a house without me having time to correct them to get on the same page! I could not believe it ; this was another punch in the face. I am formally requesting a rescission of the foreclosure and a FAIR review of my case, they did not give me 30 days after they made the determination of my income for an appeal. They denied me and sold my house 6 days later ( 2 of those days being a weekend ). I will also be escalating this to the FHFA and to the CT attorney general. Also have tried calling numerous times to Selene Finance 's foreclosure attorney XXXX XXXX, a ruthless law firm who is know to be very agressive and ignore homeowners and their advocates. They also did not answer my counselor 's calls after my house was sold. This house is all I have and they calculated my income however they wanted to be able to deny my application and sell my house days later. No appeal time, no call back, foreclosure attorney ignores me completely. They sent a contracted realtor snooping around my house every few months ( XXXX XXXX ), whom would scare my tenants and berate me telling me I am going to lose the house anyway ( I will deal with that as a separate issue ). She also told my tenants to hand over their security deposits directly to her because I was in foreclosure. Again, a separate matter but she stated she was contracted by my lender. Somebody needs to make this right before time runs out and I am going to the government with this matter. I am tired of being ignored because I am elderly and in a wheelchair. I have been taken advantage of for too long. This is all a severe injustice and must be remedied. You have my full permission to speak with the counselors at XXXX XXXX. To Selene Finance : DO NOT close my case stating that you do not have authorization, because I am attaching it again and they have already been working on this case for 1 year so there is no excuses.
I received a notification from XXXX, XXXX, and Transunion notifying me that an update had occurred on my credit report. After logging in and checking the update I was alerted that my credit score had drastically dropped and 8 of my XXXX XXXX XXXX XXXX had been updated to show late payments as of XX/XX/XXXX. I contacted each bureau and was told by each one basically the same thing that the creditor reported the update. I then proceeded to contact the creditor, XXXX XXXX XXXX, I spoke with a CS agent by the name of XXXX on XX/XX/XXXX at XXXX. After verification of all my personal information I informed XXXX that according to all 3 credit bureaus my account had been reported as of XX/XX/XXXX as a late payment and it was negatively affecting my credit which i was working to restore. XXXX then informed me that according to my account they had NOT updated this information with the credit bureaus and because my accounts were included in my bankruptcy they could NOT update ANY information on my accounts with the credit bureaus. I asked her could i have this in writing since the bureaus were giving me the run around about it and she informed me that just as they could not give ANY information to the credit bureaus they could also NOT provide me with anything in writing. She said they could only send a letter to the attorney that handled my bankruptcy case. I informed all 3 credit bureaus of this and they still REFUSE to accurately update my account so this negative impact will be removed from credit reports.