WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a customer in good standing with first national bank of Omaha for over 10 years and as of XX/XX/2018, they decreased my credit limit by over {$9000.00} with no viable explanations. This has increased my average balance vs available credit to 53 % and has dropped my score significantly. They cant explain why they have done this but they will not offer a solution. I am a single woman and I am just trying to make ends meet and creditors like this make it hard. I have paid this company on time every month for the past 10 years with only one slow pay which was taken care of immediately.
In 2012 we applied for a loan modification to Sovereign on a fixed interest mortgage on our {$750000.00} loan in 2012 due to extraordinary hardship due to downturn in our business as architects and engineers. The interest is 6.25 %. We were denied a loan modification due to some minor issue in the application and were asked to reapply. We ended up reapplying and getting denied about 4 times. The last time we were rejected on a very trivial issue. We complained to supervisors but to no avail. Then almost immediately the mortgage processing was taken over by Santander Bank ( when we called them to apply for loan modification it was the exact same staff as Sovereign Bank ). We were so upset we gave up till now. We have been struggling due to the economic downturn we ended up being a few days late on some mortgage on XXXX occasions. This has prevented us from getting refinanced, also because our income has reduced due to the downturn, we are not able to qualify for current loan refinances. 
We feel that all the interest we have been paying is unfairly charged. We should have been given a loan modification but were denied unfairly. We would like a loan reduction and refinance to a low interest rate. We currently owe {$630000.00} and {$48000.00} second fixed at 7.95 % interest to XXXX XXXX XXXX which was financed at the same time by our original loan broker as an interest only loan which comes due 2018. We still owe the {$50000.00}.
UHEAA ombudsman employees have been applying all principal payments to my interest and unaccrued interest which is incorrect, changing expected payoff dates to XX/XX/XXXX in which all four loans expected payoff dates should be 36months/ year XX/XX/XXXX, illegally deleting each indivual monthly payments ( paid towards principal balances ) ( All interest owed was paid off ) ( UHEAA ombudsman added/ applied all interest back towards all four principal balances knowing that borrower had paid off all the accrued interest applied to all four loans since XX/XX/XXXX ( Unsub/Sub loans ) and XX/XX/XXXX ( Unsub/Sub ) at 6.8 %. Combined four loans total should be XXXX and not over 10k when all monthly payments are doubled and unacurrued interest is added into my monthly payments. Overage payments are to be applied towards principal balances not applied towards interest. Interest should not be higher then principal payments unless I missed payments. I have never missed nor Ben late on monthly payments. When I informed UHEAA of the countless errors they are making, in response to my complaint the errors would be corrected on each of my four loans, instead they apply unacurrued interest calculating from expected payoff dates XX/XX/XXXX and applying it towards all four loan balances. Illegally changing dates, moving monthly payments around to other loans. One balance higher then the other they would go in and remove payments that have been applied or applied incorrectly and apply it to another loan with a small payoff balances ; then turn around and add more unacurrued interest to all four loans again.
Beginning in XX/XX/XXXX of this year we began working with a mortgage loan officer to secure an FHA loan. During this process we disclosed to the loan officer that we had a federal tax lien and that we had been on a payment plan with the IRS for over two years having never missed a payment. The loan officer assured us that as long as we could show a consistent payment plan for a year that we would satisfy the requirements of securing an FHA loan. Documentation was provided to the loan officer, including bank statements showing the IRS debit and IRS documentation about the payment plan. As we moved forward on the contract for the property, all documents required for the loan were submitted to underwriting. Underwriting came back, and as a condition said we had to pay our current year and back taxes ( tax year XX/XX/XXXX ). We believe we have been misled by the loan officer and as a result this has cost us a substantial amount of time and money.
Equifax refuse to include my maiden name. I 've submitted my drivers license in XXXX. My married name is XXXX. All of my former employers have been deleted. I sent a current copy of my social security card with my name as XXXX XXXX XXXX. I 've sent a copy of my IRS statement showing my name change.
Portfolio recovery debt buyer XXXX XXXX XXXX XXXX XXXX See complaint # XXXX They did not respond to the fact that they ILLEGALLY are involved in the process of RE-aging dated XXXX XXXX. 
Remove this INCORRECT information from my Credit report or I am hiring counsel ; a Consumer Attorney to Litigate on this ILLEGAL practice.
This reporting credit agency is falsifying information pertaining to Federal Tax Lien on my credit report causing unrealistic mail by other accounting agencies, and lawyers concerning themselves with tax lien on file with the IRS which is not true at all according to documents enclosed. I spoke to an agent from the credit report agency regarding this matter nothing was resolved as a result I did not pursue the dispute with Equifax.
On XX/XX/2018, I was notified of a fraud alert on my Visa card issued by Capital One. The card was subsequently cancelled and a new one issued by the card issuer. When I received the new care, on XX/XX/2018, I went to go update the new card number with a number of merchants that I do business with that have my card stored as an auto pay. 

At this time I discovered the existence of something called " Visa Account Updater '' which is a program by which the updated number is transmitted to some merchants who have signed various agreements with Visa. As a person who is deeply concerned with data security and protection, this program disturbs me and I want to opt out of it. 

Capital One informed me that it was the responsibility of Visa. Visa informed me that the only way to opt out of it was through Capital One. I went round and round back and forth with them, until I was able to get a Capital One agent to call Visa with me. And then the Visa account rep said they would connect us to the person who was responsible for processing the opt-out, and ... connected us to the Capital One general services line! 

I did additional research and found that there are many card issuers who DO process Opt-Outs from the Visa Account Update program. But Capital One does not.
I requests my creditor to remove 30 days late on my credit report because I had medical issues and I was struggle at the time with payments. I understand is was my responsibility but for long time I was a very good customer with a perfect credit. I have documents that sustain my medical history. however there response was that they can not make changes and I believe they have the power to do so please help
yes they called me and was very disrespectful i told them i work for a XXXX XXXX and by law if i req a bill sent in the mail they should she said to me u just dont want to pay and were gon na take it form your paycheck then she hugn up .. i called back she said get off my phn i am reporting you i said do what u have to do so i called back to get name of the company and tot tell them stop harrassing me she told me i am harassing her i said i callled bc u keep calling me XXXX XXXX this was on XX/XX/XXXX they are so rude and i do mind paying my bill but i rather pay by mail something isnt right on XX/XX/XXXX she threaten to take me to court and take it out of my pay there phn # XXXX i work for XXXX refusing to send me a copy of the bill is against fdpca rule
While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiry by SYNCB on XXXX/XXXX/2016. I did not authorize any employee of this corporation to review my report for any purpose at any time. Further, I personally contacted SYNCB to delete this adverse information and for all intent and purpose, to provide me with any signed documents authorizing them to review my report within 5 business days, SYNCB has failed to do so in clear violation of my civil rights under FCRA and Privacy Rights Acts. To that extent, I have continued to suffer irreparable economic loss, including but not limited to my inability to securing meaningful employment, housing and/or obtain new credits.
XXXX has been non-compliant with removing the unverified account FIFTH THIRD BANK which has been deleted by XXXX  and XXXX. XXXX   and XXXX have both completed their research and determined that FIFTH THIRD BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Hello, I 've owned a home with a friend for the past 15 years. Same lender, Wells Fargo. We went to sell the property and changed how we pay the mortgage bill. Our property manager paid the mortgage in the past. I took over payments and tried to set up auto pay on their website with my bank. The auto pay is difficult to use and did not allow me to set it up right away, it took a few days for my bank to supposedly approve the transaction. I thought it was setup but the mortgage was not paid. 
Wells Fargo called my co-owner asking for my first name. They did n't identify who they were, he said he was not XXXX and they hung up. That is the only correspondence we had from Wells Fargo. They did not send an email to either of our emails on file. They did not attempt to contact my co-owner ( they had all his information ). They reported both of us late on payment and both of our credit scores dropped XXXX points even though I paid as soon as possible. Even on their website I was unable to pay the late fee because their system wo n't allow me. I tried tonight to pay and the service is unavailable.
I disputed XXXX unauthorized inquiries on my Equifax Credit Report. The other XXXX reporting agencies removed the inquiries after a properly and timely investigation. However, EQUIFAX whose in the habit of pleasing creditors, refused to perform the required investigation. I submitted my dispute on XX/XX/2016 and it completed its investigation on the day, citing " Inquiries are a factual record of file access ... '' and therefore, refused to investigate the unauthorized inquiries. I read online XXXX complaints from other consumers who experienced the same issues with EQUIFAX when disputing inquiries. This agency should slap them with a lawsuit to cease and desist them from doing that
My loans went from XXXX XXXX to Sallie Mae to Navient. I work in a XXXX, and have been working there for 7 years. When I submitted paperwork for loan forgiveness after 10 years, I was told I was unable to do that with my loans. These were federal loans to begin with, so how can that be?
It looks this DEBT COLLECTOR company XXXX XXXX XXXX XXXX Has engaged in an ongoing collection activity even after Their sent me a letter stating they will cease all communications tactics as it goes for phone calls and mail, I just received from this company a letter in XXXX with a date as XX/XX/XXXX, It contradicts about the letter the sent to CFPB on XX/XX/XXXX. 
I stated once more the amount of {$900.00} they claimed I owed to CITIBANK NA Its been disputed, CITIBANK NA in its letter dated XX/XX/XXXX says did n't know the amount was disputed in XXXX, I will inquire a CFPB regulator to look into it, If CITIBANK NA did n't know in XXXX why they still market this Alleged debt with another Debt collector company, I believe now CITIBANK NA has engaged in some violations to the FDCP Practices and the CFPB should fine them for those violations. They knew this alleged debt were dispute in XXXX. I 'm attach proper exhibits to support my claim. 


I will include on this letter a formal dispute with CITIBANK NA for the Marketing Tactic to have one or more Debt Collectors harassing me for a Disputed debt, I rejected it as a valid one.
I received a few calls to my work phone on XX/XX/XXXX. They were confusing messages with a website left. I looked for the website and company name, they do not exist. They mentioned XXXX XXXX, so I spoke to them and was told no debt was owed. Then, I called the phone number to straighten things out. 

Call 1 : https : XXXX They have no idea why I am even calling, and having issues even pulling up an account for me. Please keep in mind, this is after numerous calls to my work phone and telling them via text not to call or text me on there. Obviously, there is bad language. 

Call 2 : https : XXXX Call 2 ( part 2 ) : https : XXXX In these recordings, I tell them they have not proven the debt is real and the agent agrees on the phone that I do not owe this debt after XX/XX/XXXX. 

I have told them numerous that I do not owe this debt, they agreed that after XX/XX/XXXX the debt would be " written off '' due to state laws of the debt being owed. This is not allowed to be reported onto my credit report or tried to gain recovery for this unknown, unproven debt. It is time barred. 

It is up to them to prove that I owe this debt. They have not done so in over 4 years. I am also not required to update my information with them. I also informed them via phone not to contact my work phone anymore, and received several text messages from them AFTER speaking to them. 

Screenshots of text messages ( these were sent after both phone calls ) : XXXX : XXXX I've never even had an XXXX done on my XXXX, and I have only their word to go off of for what it was for. Any bills from XXXX XXXX XXXX were paid in full, and I have receipts for all bills from them. 

Utah is a one part consent state. These recordings and screenshots are 100 % legal.
The Student Loan Help Center XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX Ph : XXXX Fax : XXXX This company is claiming to consolidate my loans, a service that can be done for free, they also said that I could transfer my loans back to a provider of my choice at anytime. They are now going to charge me XXXX installments of {$260.00} for services they have not completed yet and that are at no cost through my regular provider. They have threatened that If I do not pay, it will be sent to collections. I have already paid XXXX installment of {$260.00}.
I opened a consumer account with PNC in XXXX of XXXX and was given a promotion that included reimbursement of all of non-PNC ATM fees " for life. '' The bank was offering that promotion because they did not have many branches in the DC area at that time. The offer seemed unusual to me, and as as a result I questioned the bank representative extensively about it. The PNC representative assured me that this could not change for the life of my account. PNC honored its contract from XXXX up until this past XXXX, when they changed its policy and started reimbursing only {$10.00} per month in ATM fees. I have spent a significant amount of time on the phone with PNC trying to get the bank to abide by its agreement but to no avail. I informed the representatives that if the bank refused to honor its contract I would file a complaint with the CFPB, but they refuse to take any action. Thus, this complaint. I do not want much - I just want PNC to live up to the offer the bank made to me in XXXX and that it honored for the 9 years that followed until XXXX.
My credit score dropped XXXX points on XXXX due to a XXXX XXXX account ( from XXXX ) becoming 90 days delinquent. XXXX XXXX has never been late and there were never no reporting of it being 30/60 days late, it jump straight to 90. After reaching out to XXXX XXXX come to find out there student loans were sold to XXXX, whom could n't locate my account in their system either. 
I reached out to US Dept of Education and there were only one XXXX XXXX account showing paid in the amount of {$1300.00} in XXXX. 
After reviewing the verbiage on all 3 credit account, I notice XXXX XXXX appeared on my Experian report. I reached out to XXXX who is no longer is XXXX but is now XXXX XXXX. 
They inform me my accounts were 90 days late. I asked why I have n't received anything in the mail or at least a phone call. Why it never reported 30 days late and went straight to 90 days, I could 've addressed it sooner. Why my students loans been sold so many time and I was n't made aware of who to contact to make payments.
My identity was stolen and someone was trying to open some account and thats why there was a lot of credit inquiries and they even opened some account as well.And one account also went for collections.
I qualify for a loan modification. My hardship is loss of most of my income due to XXXX. Since taxes are n't taken out of my month SS check, wells Fargo says they need a monthly gross and net. Therefore they are adding XXXX % more income to use as a gross making me no longer eligible for the modification. Is this legal or just another illegal stunt of Wells Fargo?
Global Receivables Solutions acquired a medical debt I had from a local hospital. Once learning that there was an outstanding debt I told the representative I would take care of it by contacting the original debtor ( XXXX ). He informed me I could n't do that and could only work with his company to resolve the issue. I advised him that I did n't know who he was and if the hospital said I needed to pay Global Receivables Solutions directly then I would do that. I asked that they stop calling me. I have received calls every weekday since and ask them every time to stop calling. They continue to call everyday.
I am a cobuyer to an auto loan in XX/XX/XXXX and have since divorced the buyer as of XX/XX/XXXX. I submitted a dispute to American Credit Acceptance directly, via XXXX, via XXXX, and the XXXX 1 ) requesting to delete the debt from my credit reporting for unfair collection practices for a cobuyer-no collection attempts made to my phone number, email address or home address 2 )  requesting to cease further collection proceeding-daily post default interest after charge off/closed account, a reposession in XX/XX/XXXX and auction resale of the vehicle in XX/XX/XXXX ; high interest is still accruing about $ 11/day presently 3 ) requesting to delete the debt and cease future default interest due to my divorce decree specifying the buyer is solely responsible for remaining debt and payoff to American Credit Acceptance *spousal maintenance. All disputes mentioned were resolved with the reason of accurate reporting by the creditor and specifying the creditor does not accept XXXX decrees.
I am in the process of paying back my student loans. I was unsure of how to go about repaying at a price that I could afford and I got a notice in the mail about student loan help from a company called Student Assist Plus. I did not see anything bad about it on the internet so I decided to give them a call. I was also told that I qualify for the loan forgiveness program by going through them and can also receive low payments for my debt. I did not think anything about all the information that I gave them thinking that it was all associated with my loan debt, however they consolidated all of my student debt and I had a low payment for my loans. I recently contacted Federal Student Aid because I had a problem with my account.The lady that I talked to basically said that I have been scammed because not only was Student Assist Plus listed as a third party on my account giving them access to all my personal information, but the consolidation and access to low payments for my loans is a free service that I assumed that I had to pay for, which was a mistake. I ended up paying so much money that could have went to my loan repayment but instead it all went into somebody else 's pocket. They also have all my personal information and access to my bank account. Lesson learned from this? Contact your loan service first before making in drastic decisions. Do n't just assume just because it came in the mail or that it does not have any negative press on the web that a company is creditable.
Today, XXXX XXXX, 2017, a representative from Allied Interstate shared personal information with my employer at approximately XXXX Pacific Standard Time. This was the second call from Allied Interstate at my work today, the 6th or 7th call from them since I notified them via there website that I was not allowed personal phone calls at my place of employment.
On XX/XX/2018, my account at Synchrony Bank was taken over by someone calling Synchrony Bank Customer Service by telephone. Because the telephone number the person called from did not match the number of record, the person was challenged to give my mother 's maiden name for identification. After the person gave the correct response, Synchrony Bank Customer Service allowed the person to change my mailing address and my mother 's maiden name. The person then proceeded to charge {$8600.00} in fraudulent charges at a California music store. 

On XX/XX/2018, I received a fraud alert from Synchrony Bank. When I called the Synchrony Bank Fraud Department, my identity could not be verified because I was told my mother 's maiden name was incorrect. As a result, it took several days for Synchrony to recognize me as the victim of fraud and take action.

Ultimately all issues regarding the account takeover and fraudulent charges were resolved except one : the use of my mother 's maiden name for account security. I alerted Synchrony to the fact that it is relatively easy to find someone's mother 's maiden name in this age of online ancestral records and that the exact same thing can happen again as long as Synchrony solely uses mother 's maiden name for identication.
I tried paying off this debt several times. I explained That I had lost my job. And then as a last desperate attempt to salvage my life I was moving to Hawaii and I needed an extension on making a payment and they were not willing to work with me so I did not make any for the payments. This was over 3 years ago.
The home in question was purchased in XX/XX/XXXX - the original loan was serviced by XXXX XXXX XXXX XXXX - there were 2 loans that XXXX was holding. XXXX put a lien on the property for both the first and second mortgage. When XXXX closed - the loans were transferred to XXXX XXXX. We were notified that the 1st mortgage would be cancelled and the second mortgage funds had to be paid and the mortgage company ( XXXX ) also told us that they will stop paying the insurance and the taxes on the home. Subsequently - the XXXX XXXX company also closed - and 1 loan was transferred to Ocwen - this would be the 2nd mortgage that was transferred over to Ocwen and the amount was paid in full. However the 1st mortgage, that was cancelled, was never removed as a Lien on the Property. We were informed that Ocwen took over for the XXXX XXXX XXXX and that they would be the holder of the loans now. We have requested Ocwen to verify the cancellation of the first mortgage and requested that Lien on the property be removed. Ocwen 's more recent reply on XX/XX/XXXX - that they have no information on the 1st mortgage and can not verify the existence of the 1st mortgage and they do not have a point of contact for XXXX to confirm the same. Please advise on what to do to resolve the issue of removing the lien from the property.
Debt was paid in full. Company updated report and then added the amount back which caused my credit report to drop.