WillisBack/dataset-financial-user-claim huggingface dataset:
First off, we have used this card for everyday purposes as well as when we went on our cruise most recently in XXXX. We have paid off this card twice in the past 6 months and expected to get a credit card limit increase however that never happened. 

We had to utilize the cash advance option after the card was completely paid off, which is an option that is offered by the credit card company. We utilized this to pay our rent last month due to trying to utilize actual funds ( from our paycheck ) to pay for some concert tickets which resulted in costing more than we had saved up for them. Our funds from our paychecks came up short and rent had to be covered by this cash advance. 

Barclay never reviewed my credit report until i used the cash advance option in which, they decreased my credit card limit by {$1400.00} from {$2500.00} to {$1100.00}. While i understand that my overall credit utilization is high, i think that this limit decrease was quite drastic and uncalled for. This has caused me to reconsider my use of this card going forward since Barclay clearly does n't care of my usage until I make a questionable transaction utilizing one of the many options on the card, the cash advance. 

Barclay could have simply contacted me about this recent transaction and found out why it was used. Instead, they treated me like a number and just took action on the card without my prior knowledge. Barclay does n't care about its consumers. 

And due to limit decrease, it also made my credit report look worse for my other credit card issuers which could cause any one of them to do the same and tank my credit just because i used the cash advance option, which is an available option as part of the credit card.
The collector was notified in writing to discontinue contact at the phone number provided above. I have since received calls at this number. Also, a garnishment has been granted, but not begun at this time ( I received notice from my employer in writing ), yet the collector still calls me both on my job & cell. I spoke with an account manager on XX/XX/2017 & he is aware of the garnishment, yet I received 2 calls ( work & cell ) on XX/XX/2017 from the company. I have attached a copy of the written notice to cease communications at the above number. There was also a check attached where a payment was made at the time that the letter was issued to the company. They processed the check ; therefore I know the letter was received.
This is in regards to my XXXX  XXXX credit card ending with last 4 number XXXX. On XX/XX/XXXX I did some purchases and the store offered me a new acct to get 10 % discount. So I opened this acct. My first payment of {$32.00} was due on XX/XX/XXXX. I sent out my payment on XX/XX/XXXX ( late ) and at the same time called XXXX ( customer services ) to ask for a one time late fee removal courtesy. The lady who answered the phone said will be glad to do so. I assumed that would be it. Since then I was out of town most of the time and back home to prepare for the XXXX XXXX XXXX this month ( XXXX ), checked on my mails and found out one late charge on top of another late charge which is now add up to over hundred dollars. The lady I spoke with never took care of my request in the first place otherwise it would never happened. I emailed XXXX XXXX and been returned with the advice that I have to contact XXXX XXXX. I called XXXX XXXX and explained but they insisted I have to pay all late charges to keep my account up to date. I feel so frustrated by this unethical practice. I need your help. Please give me your hand. Thank you very much. XXXX XX/XX/XXXX, XXXX.
XXXX/XXXX made a hard inquiry which appears on my credit. The only thing I ever signed up for was the regular XXXX, never a XXXX XXXX. This lowered my credit score twice and XXXX will not change their procedure and the reporting companies will not remove it.
I have tried to get information from XXXX for several years and have not been able to have student loans on my credit report verified. I have asked for promissory notes, information regarding the opening of these accounts and for all information being reported to ALL XXXX credit bureaus to be verified and reported accurately.
Some time ago I was ordered to appear in from of Judge regarding these student loans, after an information hearing and subsequent status hearing the case against me was dismissed per the Judges orders.
Moreover he also stated that even if XXXX was able to prove the account ownership ( which they ultimately dis not ) the statute of limitations has passed.
I disputed the debt with all   XXXX   credit bureaus. They keep verifying the debt. I requested from the credit bureaus copies of the documentation that shows the information has been verified. The credit bureaus told me to contact the creditor because they do n't receive documentation all they receive is an electronic file.   I contacted the creditors and received a letter stating that they dont have any documentation and that they need to contact the original creditor. I have not heard from the collection agency or the original creditor to whom i allegedly owe the debt. My question is how is it that they can report information but don ; t have any documentation to provide as proof of the debt?
after checking my credit report i noticed 3 accounts in collections that i have no knowledge of. The three accounts are, XXXX XXXX XXXX Closed XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. I have no knowledge of these accounts and i am experiencing fraud activity on my credit report.
I took out a reverse mortgage in XX/XX/XXXX. It was initially serviced by XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, MI XXXX. The servicing was later transferred to OCWEN, XXXX XXXX XXXX, XXXX, MI XXXX. ( The identical address leads me to suspect it is the same company with a different name. ) I believe this company is overcharging for the Mortgage Insurance Premium ( MIP ) required for reverse mortgages by nearly 300 % when one takes into account their interest rate and their methodology for calculating payments. 
In reviewing my annual statement, OCWEN is charging the Mortgage Insurance Premium ( MIP ) at 1.25000 % annual rate or 0.00342 % daily periodic rate, or 0.10417 % monthly periodic rate. Looking back at previous annual statements, ( see attached ) Liberty/OCWEN charged this rate every year on a monthly or daily basis instead of an annual basis thus further compounding the interest owed. According to Hud.Gov website regarding Reverse Mortgages ( HECMs ), under their heading HECM Costs, it states, " You will be charged an initial Mortgage Insurance Premium ( MIP ) at closing. The initial MIP will be 2 %. Over the life of the loan, you will be charged an annual MIP that equals 0.5 % of the outstanding mortgage Balance. '' Therefore, since XX/XX/XXXX, I have been overcharged at the rate of 1.25 % for MIP instead of HUD 's maximum rate of .5 %, and by assessing this charge monthly or daily, instead of annually as per HUD rules, it has grown exponentially larger than it should have. Speaking directly to the company has not been helpful.
I opened an account XXXX XXXX and due to inactivity and Bank charges, my account was overdrawn. I did not realize until it was reported to ChexSystems. I have made payment to offset the over due charges and the Bank acknowledged the payment. However, ChekSystem is reporting the followingChexsystem Records : Account Abuse, Delinquent/derogatory behavior, NSF Activity, Fraud, or ClosureUnpaid/Outstanding money owed to a different financial institutionThis has caused denial of membership at a Credit Union ( XXXX XXXX XXXX ). I have reached out to Chexsystems 2 months ago but the information is still not updated.
I have had this problems several times over the year and have sent in my Drivers License and it shows correct on Equifax site but not on other sites when I check Equifax report. I was alerted on XX/XX/XXXX of an collection from XXXX for {$420.00} by Equifax. When I try to dispute it, it does not show on on Equifax site. When I pull Equifax through XXXX site or XXXX site, it comes up saying XXXX XXXX XXXX and OLD ADDRESS XXXX XXXX XXXX. I have not had that maiden name or address in 7 years so it is clear Equifax once again has 2 files on me. 1 is under XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC WHICH IS CORRECT and I sent in my Drivers License months ago and was supposedly corrected when I then filed a complaint with CFPB. Now the 2nd file shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WITH THE XXXX XXXX OF XXXX. THIS INFORMATION IS WRONG AS I HAVE NOT LIVED AT THAT ADDRESS OF HAD THAT MAIDEN NAME IN 7 YEARS. I NEED TO DISPUTE THE XXXX XXXX as it is not mine and Equifax needs to fix the 2 files that are being reported. I have Equifax monitoring which I PAY for that is giving me wrong information. I HAVE SPENT OVER 3 HOURS ON THE PHONE EVEN WITH SUPERVISORS AND THEY ARE CLUELESS. PLEASE DELETE THE OLD FILE WITH XXXX XXXX XXXX ASAP
I am a victim of identity theft There has been a breach of my personal information as : Credit card accounts, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

Equifax is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft.
Confused as to why my loan keeps getting larger. I consolidated my loans and have been paying them regularly since XX/XX/XXXX ( prior I was in a forbearance ) I have paid a total of {$26000.00} since XX/XX/XXXX and a majority of this has been applied to interest only.
loan 0-01 : current balance is {$27000.00}, original amount owed was {$23000.00} and states I will pay a total of {$61000.00} at the end of loan.
loan 0-02 : current balance is {$18000.00}, original amount owed was {$16000.00} and will pay a total of {$42000.00} at the end of the loan.
It is stating I still have a balance of {$46000.00} My statements also show late fees applied on months I paid.
I believe they have lied/cheated or manipulated my loan. It also states my payoff wont be until XX/XX/XXXX. I have been paying extra each month to pay this down. Paying this much in interest is completely ridiculous and I ask for help.
I have an interest rate of 7.875 % and do n't know how this is calculated because how fast my loans have ballooned.
When I calculate my remaining payments it shows for loan 1-01, {$260.00} x 227 months starting XX/XX/XXXX and 1 payment XX/XX/XXXX{$250.00} for loan 1-02, {$180.00} x 227 months and 1 payment XX/XX/XXXX {$170.00} This would have me paying a total of {$100000.00} from XX/XX/XXXX-XX/XX/XXXX as my statement indicates.
How they can say I have a balance of {$46000.00} but when calculated it is {$100000.00} I do not understand and feel I am being ripped off. with the amount I have paid and what they say I will be paying, it is in the area of over {$120000.00} for a loan that was originally {$39000.00} ... I would be paying {$100000.00} in interest?! please help me
Capital One doesn't want to increase my limit to at least {$1500.00} or {$2000.00} so my credit scores can go up, so I can purchase a home with my VA Benefits. 
I was denied of credit increase because I am XXXX XXXX and Retired. 

I am a XXXX XXXX XXXX Veteran. 
The credit limit that Capital One gave me of {$500.00} will not support me on my new VA Loan and home purchase.

I am making timely payments of {$50.00} through my bank checking account to Capital One as financial Institution debits my checking account each month. 

Also, Capital One hasn't updated my credit with XXXX, XXXX and XXXX.
I refinanced my mortgage, which was held by Wells Fargo. They provided a pay off amount, and we wired that plus additional funds to cover any delay in the receipt of those funds. They held the wire and without communicating anything to me, did not apply the funds and then sent me a threatening letter saying I was in default on my mortgage. They would not supply any rationale for the extra amount that was owed. In the end, they charged me mortgage insurance twice in the month of XXXX, which was the additional amount they said I owed before they would pay off the mortgage. I was charged XXXX on XXXX XXXX and the payoff was wired to them on XXXX XXXX. They then charged the account an additional US {$320.00} in mortgage insurance on XXXX XXXX and held up the payoff for almost 10 days so they could charge that additional amount. They acted like they hadn't even provided a payoff total and refused to communicate why additional funds were being charged. This has effected my credit, and is a fraudulent practice. I was told that if a wire is incorrect, the bank normally returns it immediately and provides a corrected amount, rather than holding it for 10 days without explanation so they can charge an extra fee. 

Regards, XXXX XXXX
I filed a dispute in the first week in XXXX and the sent me an email on XX/XX/2018 saying they had the results. Since that time I have called 3 times and tried to get the results. The link they provided didnt work and when I called the representative said they were having problems with the site and after I gave the confirmation number in the email they said they coffins it. One representative told me they didnt have technicians to fix the problem or for me to speak to.
I sent them numerous letters requesting verification because this debt is not mine and they still have not sent me anything or responding to my requests.
XXXX I reviewed my credit report and noticed my score dropped substantially. Diversified adj svc had placed a derogatory mark stating I had an unpaid balance. I immediately called them XXXX with a busy tone on the line. I attempted various times again on XXXX when I finally reached an agent. I advised the agent that I was never made aware of this account or received prior notification but that I am willing to pay the full balance if it can be removed as I am in the process of applying for a business loan. The agent advised me over a recorded line that they will not remove the account as it has been in collection for some time well over a few years and also stated they simply collect payment and do not work alongside the credit bureaus. He said once the payment is made that I can speak with them. I asked who the account pertained to and he advised me it was XXXX. I advised the agent that it would be impossible as I had not been under XXXX employment for less than a year. I also requested verification of the debt to the address I provided as I never received prior notice or contact violating my rights to dispute. He said " Just pay your bill! ". I mailed a letter to the collection agency XXXX again requesting verification of the debt as I had never been contacted in any shape way or form and again extended my willingness to pay in the full balance for removal of the remark due to not being contacted within a timely manner and would await XXXX days from the mail date. XXXX at XXXX XXXX diversified specifically contacted my sister who is a minor not only disguising the nature of the call but also advising her it was an attempt to collect a debt once she verified I have not lived at that current address for several years. XXXX I had still not received any notice or call from the agency. I called XXXX for assistance and was advised that Diversified like any collection agency has the ability to remove the remark but that XXXX can not further assist me. He advised me to check online where I verified the XXXX agent 's statement that Diversified does in fact reports to the credit bureaus. Diversified has violated my rights as a consumer under the FDCPA by never having contacted me prior to reporting the account in question or providing me notice after I and not they, initiated contact with them. I have provided them my address and phone number twice. Once over the phone and in my letter to them but still received nothing. They have also violated my rights by not only contacting a minor who is not under my care but also disclosing the nature of the call rather than contact me directly. The mishandling of the debt to be paid shows irresponsibility and zero accountability on Diversified 's end.
Did not receive the promised bonus for depositing a certain amount into the savings account ( Promo Code XXXX as mentioned in the letter sent to me )
I called to settle a debt with IC systems and they asked if I was related to a person that is n't me. I found out about this debt because it is a negative reflection on my credit report
I have contacted XXXX XXXX XXXX in regards to an account listed on my credit report that I do not recognize. They are reporting to the major credit bureaus on behalf of XXXX XXXX. I have asked XXXX to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to XXXX XXXX XXXX. I have never had an account with XXXX XXXX. I have sent them XXXX Certified dispute letters stating that if they can not verify this account, they need to remove the account from my credit reports. They have responded twice with letter saying that they have done an investigation on the account and it was being reported as accurate. But they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop.
A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which was highly suspect. As per the FCRA, I allowed this company 30 days to correct my report and send them a letter last XX/XX/XXXX. However, this company company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. My first letter included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days had passed and no proper investigation done by the bureau. All I receive is an obvious computer generated generic response letter. I thought after Attorney General XXXX XXXX 's actions last XX/XX/XXXX, this credit reporting company would comply with the settlement. According to this link : XXXX XXXX XXXX. A copy of the settlement was published in this link publicly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I signed up for a US Bank Cash+ card on XX/XX/XXXX with the following sign up perks Get {$100.00} bonus after spending {$500.00} within 3 months Get {$25.00} bonus when redeeming your first {$100.00} in a single redemption Get an extra .5 % bonus on all earnings for your first cardmember year All I am receiving is the extra .5 %, missing {$120.00} the fine print was : Existing and previous Cash+ Card accounts do not qualify for this offer This is an online offer only I applied online and never had any business with US bank prior. I made the {$500.00} in spending in the allotted time. I called them because I didn't see the bonus on my account, and they said that there was never a bonus applied to my account. 
They had changed their bonus in XX/XX/XXXX so I couldn't point to their website to confirm it was what it said it was. 

They asked me to fax in any documents I had which I tried to explain that their sign up bonus was well documented among many reputable websites. They claimed they can not open a link. I asked them do they really want me to print out a website and fax it to them. They said they need a physical copy. 

One of the reputable sites that clearly document their promotion XXXX XXXX XXXX
Equifax is reporting an outdated " hard '' credit inquiry on my credit bureau report that they provide. 
The inquiry is dated XX/XX/2016 and was made by XXXX. 

I have contacted them to have this inquiry deleted from my credit report, with no results. 

Under the terms of the Fair Credit Reporting Act, or FCRA, passed by Congress, any credit inquiry that is 2 years old or older, must be deleted from a consumer 's credit file.
Equifax refuses to remove an incorrect entry from my credit report. It would be very easy to verify that my claim is true. This debt was discharged in US federal bankruptcy court on XX/XX/2015. The reporting agency seems to have a very flawed process of " verifying '' that the information they are reporting is correct. They simply ask the agency reporting the debt if it 's correct. If the collection agency says yes, they take their word for it. If Equifax were truly concerned with reporting accurate information, it seems they should hear both sides of the story. Why would they refuse to call attorney XXXX XXXX who represented me in Bankruptcy court and get documentation that the debt was indeed discharged? 
Address : XXXX XXXX XXXX XXXX # XXXX, XXXX, CO XXXX Phone : ( XXXX ) XXXX XXXX Or if they do not want to take his word for it, the court that discharged the debt : Bankruptcy ( XXXX ) XXXX Reference Number XXXX Date Filed XXXX XXXX, 2015 Date XXXX XXXX, 2015 Status XXXX Contact Details COLORADO FEDERAL COURT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Please help me get this nagging false report corrected. Thank you. 
XXXX XXXX XXXX
I am the co-signer on my Son 's student loans. When my son was preparing to go to College XXXX was willing to loan him the money but the interest rate was extremely high and they advised if he obtained a cosigner it could lower his interest rate. I could not afford to pay for my son 's College so I agreed to cosign the loan because at that time we were told that I could be released at a later date once the student proved that he was able to make the payments. I contacted Navient to find out what we need to do to have me released as his co-signer. They state that he MUST graduate, which he did n't and he does n't intent to go back to school due to the costs associated with it. He now has a really good job and has been paying back his student loans. The Navient representative I spoke to stated that because he has not completed his course of study I can NEVER be released as cosigner. I ca n't believe that there is NO way to release a cosigner if you did n't graduate. That is discrimination as far as I am concerned. Is that even legal to not have a way for a cosigner to be released?? My husband and I would like to purchase a home but we ca n't obtain financing due to my cosigning of the student loans and it makes our debt to income ratio to high.