WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a customer of this credit card company for about 2 years. I began with a credit line of about XXXX, I then requested an increase and was given a line of XXXX. Every one of my credit and loan accounts if in good standing, no account in default or missing payments. Periodically I review my accounts for changes in APR 's and I noticed that the available credit on this card was not what it used to be. I found that this bank lowered my credit line to XXXX without notifying me, putting my utilization ratio to about 95 %, causing irreparable damage to my credit score. When I called them, they claim they had " concerns '' about my account. I asked if the account was in default, and they said no. Their concern : my OTHER cards had high balances. Not that they were delinquent or in default, and this is immediately after the XXXX, when historically people use their cards the most. I believe this is an unfair practice, and it was only done for the credit card companys benefit. They refused to reinstate my original credit line so that my score was not impacted. I am planning to purchase a home in the next few months, and this will cost me a lot of money because of my credit score.
In 2009 I attended XXXX. I applied for loans and once I was no longer attending the college I was told 6 months from then I would have to then repay these loan. Once this time came I called the loan provider which was then XXXX XXXX/Navient and was looking for advice on how to handle them and move forward as a young kid with not much educations on these loans other than applying for them. There was only one program ever pitched to me and it was loan forbearance. The only thing that was highlighted was that I would n't have to pay anything until another gap in time and it would be good for my credit. I was never told how these programs worked, the only thing I was told is if you ca n't afford the payment that is the only option. Now when I 've learned more and more about these loans I 'm also learning that there are way more programs that could have benefit me way more like the income driven repayment programs from the beginning rather then trying to start them after the damage is done from accruing tons of capital interest. It is like picking a name out of a hat whether or not you actually get a representative that gives you accurate information on how to manage your loans. Now they are stating there is nothing they can do. I believe the issue is the people you are looking to guide you such as Navient, there needs to be more mediation of their representatives & they need to be held accountable for their mistakes not the consumer.
I Have attached what I feel is more than enough documentation to substantiate my complaint. I have written Credit consulting Services and have not had a fair shake at receiving any validation from day one. We have asked for paperwork from phone call one. They dragged their feet on providing any information and to date, they have provided nothing. Credit Consulting Service made contact by telephone way before the validation period expired. Then soon after the period expired, they decided to mention that they could not provide the requested information due to their limitation to being restricted to collection activity within the state of California and reported this account as a collection to XXXX, XXXX, and XXXX. This has affected me financially in the purchase of the two vehicles loans we signed for in late 2016. The fact is very clear, If we requested the documents that would validate the collection to be sent to us in the first place, and they can not send them due to licensing restrictions to conduct business outside the borders of California, That alone is proof beyond any doubt that this debt was never verified or validated by any standards.My address and contact phone number, which has been the same for 15 plus years was listed with all three bureaus prior to their collection activity. They Knew that from the first phone call they made because I let them know at that very point. In my conversation with their representative, I was informed that even if I paid this under the guise of extortion, they would not remove the collection from any of the XXXX reporting bureaus.
I have contacted the bureaus ' one by one without avail. I have called, asserted, and expressed my displeasure to the companies at large, on X/XX/2013. I was requested to send in a XXXX of my photo identifying me along with a recent bill in the name and social security number. I completely satisfied their demands. Only to wait thirty days to receive a reply from EQUIFAX stating that they needed more Intel to complete and/or look into my request. 

What the heck! 
I felt XXXX, discouraged, and disparaged at the least. 
All the credit bureaus ' have illegally hoarded my personal information unwittingly to my knowledge and without my consent in any form especially in written form as required. In pursuance to the XXXX privacy act all of the credit bureaus ' i have listed not limited to FICO, XXXX XXXX, XXXX, XXXX, & EQUIFAX have blatantly and intentionally violated all privacy rights and allowed my personal information to be leaked and disseminated due to their false and misleading ways. 

Relative to the Fair Debt Collection practices act all of the credit bureaus ' aforementioned in this complaint have maliciously and collectively worked in concert by unlawfully distributing consumer personal data for profitable gain at the expenses of pain and suffering of those so inflicted by the course of their willing and intentional violation. It is my request to have the CFPB to advocate on my behalf, to have all of my personal and sensitive data completely removed from every database my information is held by the aforementioned above. It is a great disgrace, that the aforementioned and above-mentioned engaged in pursuance of filthy lucre at the expenses of many consumers by such fraudulent means. 

I have suffered humiliation, XXXX XXXX and credit disaster because of it. It has greatly decreased my capacity to attain credit for housing, transportation, and it has incapacitated me from career opportunities. i have been XXXX and hospitalized because of it in the past. I request punitive damages for my XXXX, financial pain, and suffering -- also for the prevention of the huge number of failed opportunities these criminal violator 's have caused me. I do not consent to a class action suit. This is personal for me and I 'd like it to be addressed as such. I also would like to express my eternal gratitude for the CFPB protection of my family and household.
I paid my  Kay Jewlelers acco unt on  XXXX / XXXX /   15  as " settled in full '' for the amount of {$250.00} through  XXXX   XXXX ,  XXXX . It is reporting on my credit report as paid in full. However, for the last  3 wee ks I have been receiving calls from  XXXX   XXXX   XXXX . They call and when I answer they hang up. I 've had to call back just so I know who is calling me. Once I reached someone I was informed that my Kay Jewelers debt was being sold for the collection of the remaining {$160.00}. If this account is paid/settled in full, why am I being harassed by collection agency that are reselling a paid debt?
The history of my loan going from here to there without my knowledge with numerous interest and added fees. Navient adding on Extensive extra charges Overcharging me and adding fees without any cause or prior notification to me. I also applied over a year ago for a program to help with some of these fees and expenses and never received anything back from Navient in regards to it yet I am still charged ridiculous amounts in interest rates and fees.
American Express failed to return its {$190.00} annual fee for my credit card, citing a 30-day policy. On XXXX, American Express stated it did not expect for me to receive my card until XXXX. On XXXX, American Express charged the {$190.00} to the account, despite my not having received the card and not having activated the account. On XXXX, American Express sent me another request to update my address and was still unsuccessful in delivering my card, so I still had not received my card or activated the account. On XXXX, I received the card, activated the account, and used the card. I was dissatisfied with the card and how few merchants accepted it. I also saw that while the American Express site kept my payment information, through some glitch it did not process the auto-payment set-up. On XXXX/XXXX/17, I called American Express to cancel the card. I paid my balance in full, and I requested the {$190.00} annual fee refunded. I was told this should be no problem considering the circumstances, and I was put through from the Credit Department ( to pay my balance ) to the Customer Service Department ( to pay my balance and explain my charges, waive the erroneous late fee and interest, and to process my request to cancel the card ) to the Membership Consultant Services ( to submit my request to Customer Service for the {$190.00} annual fee to be refunded, Report No. XXXX ). Having heard nothing, I called American Express to follow through on the {$190.00} fee refund on XXXX/XXXX/2017. I was repeatedly told by the first line of customer service agent, the next level supervisor, the higher up supervisor, and the next level up supervisor that the 30 days had lapsed from their charge date of XXXX to my call date of XXXX, even though they recognized I had not received the card or activated the account yet on XXXX. They said they could not refund the {$190.00}. I would like the {$190.00} refunded because I did not even receive the card for which I was charged this service fee until days later, due to American Express error.
I received a notification on my XXXX Credit Report on XX/XX/2018 that one of my creditors had decreased my limit on my XXXX XXXX credit card. I was not notified of this before the action took place. I had missed a payment by 8 days and paid it immediately when I found out that I had missed said payment. My payment was due on XX/XX/XXXX and was paid on XX/XX/XXXX. This is the first payment, in the 4 years that I have possessed this line of credit, that has been late. My available credit went from {$7400.00} down to {$3000.00} without any type of notification that my payment was missed or that they would be decreasing my credit limit. This was immediately put onto my credit report and shows now that my credit usage on this account is 97 % and dropped my credit score by 14 points.
some one has a account with pay pal using my name and i keep getting these bogus emails saying payment was received and the latest one came from XXXX XXXX some one girl or guy sent XXXX dollars to XXXX for a purchase i know nothing about and ive tried on several occasions to contact paypal and it seems like no one is receiving my emails so the charge came from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX so i hope i choose the right one cause i dont know who else to turn to besides the local police
I modified my loan this year. I made 3 timely trial payments. My first modification payment was due XX/XX/XXXX. I made the XX/XX/XXXX payment. When I called to make the XX/XX/XXXX payment, I was told the I still owed XX/XX/XXXX. I later found out that my XX/XX/XXXX payment was credited to a XX/XX/XXXX payment because I sent the payment in " too early '' according to Nation Star Mortgage. I disputed the situation by submitting 3 review requests to their Research Department, and I stayed in constant communication with Nation Star throughout the entire process. I was told that no decision had been made and to resubmit my request twice ( totaling XXXX ). I specifically asked about additional fees and foreclosure and was told that no fees would be added and that foreclosure had not been started. I told them that I had the money to pay, but wanted to resolve the issue. They would not take partial payment as they wanted me to repay the XX/XX/XXXX payment. I called yesterday to pay the entire amount, because I am tired of fighting with them and was advised that foreclosure proceedings had been initiated and approximately {$6000.00} in fees were added to the account since our last conversation 7 days ago. 

I feel that they have not worked to assist me and have taken advantage of the fact that I am not as knowledgeable as them. I have attempted to pay on various occasions and they have refused to take my money only to add additional fees to the account. What are my options? Please help! I am a single, widowed mother of XXXX and am dealing with serious issues with my son at the moment. I can not continue to go back and forth with Nationstar with no resolution in sight.
In XX/XX/XXXX XXXX XXXX applied for a student loan with XXXX XXXX to attend XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. She started school, continued her education at the XXXX location, and then began her 800 hour XXXX XXXX in XXXX, XXXX, at XXXX XXXX XXXX XXXX. Where she performed her XXXX with no pay while at the sametime paying her monthly payment of {$25.00} per month to XXXX XXXX. In XX/XX/XXXX, she consolidated her loan with Wells Fargo, the amount of the loan is for {$20000.00} for a 15 year loan. She began her Wells Fargo payments XX/XX/XXXX. She completed her education and XXXX XX/XX/XXXX.  XXXX XXXX XXXX XXXX notified XXXX XXXX of their closing XX/XX/XXXX.  XXXX was not notified. XXXX XXXX disbursed her loan to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX location shortly after her application was approved. The loan was disbursed to a school that she DID NOT ATTEND. Upon recent research we have been notified by both XXXX XXXX and XXXX Department of Education that the XXXX school was not a Title XXXX XXXX. The Wells Fargo loan was consolidated in XX/XX/XXXX without any knowledge of the school closing. XXXX never received any certificate or transcript from her 18 month education at the XXXX location. Without proper documentation to her attendance and graduation and required hours of XXXX XXXX is unable to sit for her registry to obtain XXXX XXXX XXXX XXXX. Both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX proceeded with a loan that was fraudulent. XXXX XXXX did not do their due diligence in confirming where funds were disbursed and to the schools authenticity. There are no records of any of the graduates from the school preventing all students who paid the tuition unable to peruse their career.
I have a bank account with Santander Bank. I received a domestic wire into my bank account in connection with a purchase of residential real estate. When I tried to wire the funds out of the bank to finish the transaction, I was told that I would have to wait 3 business days in order to access the money. The purpose of a wire is so that the funds are clear once they clear the Federal Reserve. I feel that making me wait 3 business days to have access to money wired into my bank account is illegal and unethical. The funds should be available once they are received by the Bank ; once received by the bank they should be put into my account and be immediately accessible. The bank is doing this to make money off of other people 's money.
My mortgage payment increased without notification. Upon further research, I discovered that a disbursement was made from my escrow account in XXXX of 2014 for taxes. My taxes were paid in full prior to closing in XXXX of 2014. I contacted the county 's treasurer 's office and confirmed that the taxes were paid in XXXX of 2014 and no additional payments were received after that date. The mortgage company is not assisting me. I contacted them multiple times and keep being told that they do not have my closing documents. This has created a financial hardship for me and no one is helping me. My account is currently serviced by LoanCare. Their Customer Service department is rude and no one follows up with what they say that they are going to do. Please provide assistance so that my mortgage payment does not become delinquent.
After nearly 2 years of battling back-and-forth for proof of this so called that this company fails to provide proof that it ever existed nor that I ever agreed to such account. Through communication tactics that are unbelievably sleazy and illegal I have yet to receive any proof I ever agreed to anything of the sort will put my name on anything having to do with what they claim.
I was XXXX from XX/XX/XXXX until XX/XX/XXXX there was an account opened up with XXXX in my name that I did not authorize nor agree to. I have tried to explain several times to the collection agency that this is not my debt but they refuse to remove it from my credit report
i see a hard inquirie of credit technology showing on XX/XX/17 on my report that i never made request of nothing related to this and or similar company, try to contact then and they said to dispute a as non request iten ... thats the reason that iam little upset, because i trying to work out on my credit situation and unfortunately things start to pop out
Started a day after my birthday, which was all the more suspicious to begin with, I received a private call ( to the best of my memory ) asking me to verify my social security number, as they had personal information verbatim. Which prompted me to not comply, as I receive automated/spam/impersonation calls claiming that I have outstanding student loans, which are all lies, as I do not have any debt and Ive always paid my bills in a timely manner. Its very difficult differentiating what calls are what, especially when Im called on private numbers. We also live in the 21st century, where virtually everyone is easier to contact via email which is what I told Helvey & Associates and their response was, due to the nature of our business, we dont disclose our identity. If I had known they were a collection agency, I would have done everything in my best interest to comply.
On XX/XX/XXXX, I received a letter from Pennsylvania Higher Education Assistance Agency ( PHEAA ) regarding a Federal Student Loan that I owed to them ( {$100000.00} ). I never applied or authorized for a student loan. I asked them for proof, which they did sent it. It was to my surprise to see my name on it. My XXXX wife ( XXXX XXXX XX/XX/XXXX ) had taken out a loan and FORGED my signature. We had been separated in the process of a divorce when she took this loan out. Date of separation was XX/XX/XXXX and the divorce was granted XX/XX/XXXX. I was living in XXXX XXXX, Ca and my XXXX wife was living in XXXX at the time of the loan. I have sent them the a copy of " XXXX Certificate ''. I then later received a letter stating that a portion of the Consolidation loan in the amount of XXXX has been discharged, but that I still owed a balance of {$30000.00}. I have advised them that I never authorized this loan, nor that the signature on the Loan Application/Promissory Note was mine, that it had been forged. They now have sent me documents that needed to be notarized, which they have verifying my signature, but now they are claiming that I need to file a Fraudulent Court Claim. My credit report shows that I owe TWO amounts : {$100000.00} and {$30000.00}. I have remarried since then ( 2015 ) and now my current wife has been called at work regarding this loan and her taxes have been garnished. I have been unemployed for quite some time and have recently found work. So, the taxes that my current wife filed was just out of her income and PHEAA managed to garnish those funds.
I have a Capital One security card that I 've had for almost a year it has reported to my hard inquiries but it has never reported to my actual credit score or accounts through any of the credit bureaus. I have filed XXXX dispute through Capital One and they 've done everything on their part. The credit card is basically nonexistent on my credit accounts through all the credit bureau 's. This is affecting my credit score and my life and it 's been going on for way too long. What is my next step to get this on my account?
Date opened :XX/XX/XXXX Date reported : XX/XX/XXXX Delinquency first reported XX/XX/XXXX Amount : {$1000.00}
Credit control corp has ruined my credit history, it prevented me from getting approved for home loan due to multiple agencies keep collecting and selling the same debt to other debts collector agencies making it look like i have more debt than i actually do, i already paid what i owe to XXXX that has sold my original account to multiple agencies collecting the same debt.it stills shows on my credit history and my wife as well even when i paid off my original debt.
Although I make my payments timely, they are continually reporting my payments as late when, in fact, I pay them before they are actually due.
I opened a checking account with Citizens bank on XXXX 2016 so I can get my social security payments deposited with them. On that day of XX/XX/2016 I deposited {$45.00} check that I need it to cash. In XXXX XXXX, 2016 I received the letter from social security administration letting me know that they were going to deposit my benefits checks to the new account I opened with citizens bank.Social security administration told me in the letter that it can take 1 to 2 months for them to deposit my money. Yesterday XXXX/XXXX/2016, I went online to see my balance which was {$1.00} before yesterday and then the bank put my balance to minus {$9.00} to my new checking account. I called the citizens bank branch in XXXX, NY and I spoke to them and they said that they are charging me a {$9.00} fee for not making deposits. I explain them that social security was going to make my benefit payments on my checking account next month and I told them that I 'm on fix income and I can not afford to pay any fees. the person at citizen bank told me that I have to pay the fees and on top of that more fees per day until my fees are paid. I 'm a XXXX person and is n't my fault that it takes up to 2 months for social security to deposit my benefits to my new checking account. This is the only income that I have and can not afford their fees. As a new customer to the bank I feel that I was wronged and communicated this to the bank I feel that they should delete these fees.
First, I'd like to say thank you so much for taking the time to read my complaint. My issue is simply this, XXXX XXXX XXXX of XXXX, XXXX, XXXX XXXX XXXX XXXX, made a verbal agreement with me to settle a debt for {$500.00} back in XX/XX/XXXX. The original debt was for {$960.00} for a hospital bill to which the obtained my info illegally. To date, I already paid {$100.00}, which was back in XX/XX/XXXX. I did not make any further payments after noticing on their website that our {$500.00} agreement was not listed nor, could I see what the remaining balance was, which struck me as odd. Our verbal agreement had no time limit, dates etc. to which I'd be in default. XXXX XXXX never sent me an actual " stipulation settlement '' agreement via mail, email or otherwise for {$500.00}. I contact XXXX XXXX on a few occasions most recent ; XX/XX/XXXX and today, XX/XX/XXXX regarding default and legal papers that were sent to my home for original debt of " {$960.00} ''. I understand that this debt was to be paid, but I would like to know why I was not sent " stipulation settlement '' for the {$500.00}, and how can I be default of said verbal agreement? It's like it never happened. My concern was that if I paid the total of {$500.00}, I'd still get letter and court judgments for the entire balance. I gave XXXX XXXX my email address and my phone number on a few occasions. So, it's not that I'm trying to get away with not paying a debt, it's the principal of the matter, we had a verbal agreement. And, the fact that each time a debt collection agency makes an agreement with a consumer, there should be a discussion, followed up with written letter as to was the agreement is and what constitutes as being in default of said agreement. The most recent letter I received for a court appearance mentioned nothing of original agreement and still shows a balance of " {$960.00} '', which is still not correct. Any assistance would be greatly appreciate.