WillisBack/dataset-financial-user-claim huggingface dataset:
A XXXX XXXX XXXX XXXX notice was sent to me late last year ( the notice was undated ) declaring that my 8.49 % Chase freedom card interest rate would be raised to 13.49 % as of XX/XX/18. The notice gave the reason for this sudden increase, which I view as an illegal penalty increase that disregards my FICO score of XXXX and excellent payment history, as solely due to " my APRs are below the lowest APRs we currently offer on similar accounts. We also took into account your other Chase relationships when making this change. '' What does consistency with other products mean? The last vague and opportuniistic reference is particularly disconcerting as I have a long standing relationship with Chase, including my home mortgage and have refinanced my mortgage with them several times over the years. My unfavorable rate increase is based on vague, arbitrary standards and corporate favoritism, and amounts to price gouging! It is not based on my timely payment history, excellent FICO score or my risk to the lender - Chase Bank. The notice also declared that if I do not accept the new and much higher interst rate, my rejection will result in the closing of my account!
For the past several months I have attempted to log into the online banking portal to pay my mortgage. Every time I log in there is an issue with the system that says my account is restricted due to too many login attempts. Each time I'm forced to contact SunTrust to have them fix the issue. I am only able to do this Monday - Friday during normal business hours when I am working. The issue is apparently a known issue with SunTrust that they state they are " working on '' however it is yet to be fixed. In order for me to pay my mortgage I have to call them, have them reset the online banking platform then login. This has happened for the last three months without any fix. It feels as if SunTrust does not want me to pay my mortgage since they are making it extremely difficult to submit a payment. This has been occurring ever since they combined their traditional online banking portal with their SunTrust Mortgage online banking portal.
There are XXXX names on my report that I ave never used and dont use as well as XXXX addresses. This information is also kinked to XXXX credit card accounts that I have never had are not in my name and that I have not authorized.
On XX/XX/XXXX, I tried to temporarily lift a security freeze online at https : //www.experian.comXXXX 

When I entered my PIN, the website said it was incorrect, even though I have an e-mail from Experian showing me my PIN at the time I initiated the freeze in XX/XX/XXXX. 

The website then said I could get a PIN reminder by uploading documentation. So I did that, on XX/XX/XXXX, but I have not received any acknowledgement that my request is being worked on, and I have not received the PIN. The credit card company I am applying to says my credit file is still frozen as of XX/XX/XXXX. 

There is no way to speak to a person at Experian by telephone, and there is no e-mail address to contact them. I think a company that is making a profit from my information should have a responsibility to allow me to contact them in this situation, in a method that is quicker than postal mail. 

Thanks. XXXX.
Navient took over my student loans from XXXX. 
I have had problems ever since. 
Their website is EXTREMELY difficult to navigate, I have received different information from each person that I have spoken to regarding various issues & most recently when applying for an economic hardship deferment, I have become extremely frustrated with this company. 
I have been granted an economic hardship from XXXX, my other student loan provider & it took them about one DAY to do so. I have spent MONTHS trying to get the same deferment processed through Navient, however, I am pretty sure that they make the process difficult on purpose. I provided proof of my deferment from XXXX to Navient along with the deferment application & repeatedly it has been denied. However, there is no information about WHY it is denied, just that I am not providing necessary information ...? So, then each time, I must call Navient and ask someone why & they tell me to do something different & re-submit. Still, months later, when my forebearance is about to expire, they have not processed anything nor have they tried getting in touch with me. 
When I called again yesterday, I was told that they need proof of my income. Even though I have already provided proof of my deferment from XXXX, which is generally all that is needed, proof of acceptance from another provider. And I was told previously that this is all Navient needed. Now they want a paystub. I do not have one, I am self employed. SO, she tells me that I should be applying for an " unemployment deferment '' ...?! I am not unemployed! I just do not have a proof of income YET ... 

So, I sit waiting once again to see if my deferment application will be accepted. 
I am pretty sure that this company deliberately makes this process difficult & their website hard to navigate to keep people from being able to to what I am trying to do, ask for assistance while not being able to pay back their loans, temporarily. 
I have never had any issues with ANY OTHER STUDENT LOAN PROVIDER until this company took over. 

PLEASE HELP!!
I have struggled to keep my home for several years, I have been unable to afford a mortgage payment and was unable to qualify for a reduced payment of my mortgage with a making home affordable modification, my monthly income still suffers. I have decided to short sale my home under the HAFA program. My home suffers from much needed repair, I have been unable to cure the costly repairs needed to my home. A contractor has estimated my homes repair to cost about {$130000.00}. That is the estimate today and it may increase if the acoustic ceilings in my home end up testing positive for asbestos. Not to mention the mold that appears to be growing in the walls of home. My agent submitted a cash offer that was approved under the HAFA program. Unfortunately once that buyer took into account the repairs needed on my home they requested a decrease in their offer far below what Ocwen would consider for approval of a short sale. My agent sent them a XXXX higher offer, an as-is offer and all cash, this was received by Ocwen XXXX/XXXX/2015, my sale date was for XXXX/XXXX/15. This triggered Ocwen to conduct an interior valuation of my home, took them the entire month of XXXX to send an agent, valuable processing time lost. The previous valuation was just exterior and was set at XXXX. The agent from Ocwen came to my home on XXXX as to render a report immediately to Ocwen. I still had a sale date for XXXX, it was urgent that the value be adjusted to what my home is really worth. I still have this sale date looming, and the valuation as completed brought the value in on my home to XXXX. Ocwen is mis-reading this report, they have advised that their value is XXXX, I have a copy of this report, it does not state that amount as an as-is value at all, that was the original list price of my home and it has now been reduced to XXXX due to my repairs. To date Ocwen refuses to admit that they are mis-reading the report and are offering no adjustment to their error, still threatening to foreclose but if they read their report correctly I would have an approval of my short sale. Ocwen can not even show my agent where on their own report it indicates XXXX as an estimate of value.
PLEASE SEE ATTACHED IT IS A IDENTITY THEFT REPORT FROM THE FTC XX/XX/2018 XXXX M XXXX : XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX
Citi repeatedly calls multiple times a day for collection on XXXX cards. Today alone they have called 3 times between XXXX and XXXX. They called 6 times Friday XX/XX/XXXX 8 times Thursday XX/XX/XXXX It 's been going on like this for months.
My husband was unemployed for two and a half years. I was unable to pay credit card bills at the time. Paying mortgage and providing food for my family was the priority. I offered to make payment arrangements but, what they were requesting was in excess of {$200.00} per month which I explained was n't affordable as I was the only one working in a household of XXXX people. This company sought legal action, put a lien on my house and froze my bank account. They debited amounts of a little over XXXX and XXXX XXXX dollars on two occasions and put a freeze on the same amount twice. I had to go to the bank on several occasions and take time off of work to resolve this error over the course of more than one week. The funds they debited were my mortgage funds which put me further in arrears and caused me extreme financial hardship. I contacted them regarding a settlement on a few occasions and they refuse stating since they have a lien on my house so they do n't have to make a settlement arrangement. They are also unwilling to set up a reasonable payment arrangement. I am going to be out of work soon as my company lost their contract and I explained this to them. They are unrelenting and uncooperative.
XX/XX/XXXX, I went into Chase to reestablish a relationship with them after my credit card was closed in XX/XX/XXXX. The banker told me Chase does not want to have a relationship with me with no explaination. I just want to have reestablish a relationship with this bank. Either an account or line of credit.
It shows that this is an unsecured loan. I have never applied for a loan with the company.
all XXXX credit agency, s says there not able to at this time to give me a credit report I tried to get a credit card at XXXX XXXX XXXX and they denied because they said the credit score was low I contacted the credit agencies 3 days after I received the letter from the bank that I was denied the credit card
On XX/XX/2018 I checked my bank account balance to see what had posted for that day. I was negative {$130.00}. Due to my dog having XXXX and health issues, i had not deposited my checks into the bank as I normally would have. I deposited a same day check, XX/XX/XXXX for {$150.00} that would cover all of the transactions for that day without aquiring a fee. I took photos at ( XXXX ) of the balance, transactions and of the deposit for proof that I had covered the negative amount. According to Bank of America the business day ends at XXXX. 
On XX/XX/XXXX at XXXX in the XXXX  I received an alert that my bank account had insuffcient funds. I went online to see what happened and a check ( # XXXX ) in the amount of {$71.00} posted XX/XX/XXXX, cleared XX/XX/XXXX. 
I immediately called the bank and I was told that one of the pending transactions on XX/XX/XXXX had bounced from this check ( # XXXX ) being completed on XX/XX/XXXX. I repeatedly explained that the check was nowhere to be found on my list of transactions on XX/XX/XXXX and if it had cleared on XX/XX/XXXX why wasn't it on my list of transactions for that day? I called 3 times and even stopped at a branch to show my photos as proof of the transaction not posting XX/XX/XXXX just to be told a XXXX transaction had bounced due to the negative amount for XX/XX/XXXX. I said I could understand that if on my end, all of the transactions were available to see. I was also told the check could have cleared anytime in the middle or the night and that it was my responsibilty to have the money in the account. TRUE if it would have been posted on my list of transaction for XXXX XXXX. I would have made sure to deposit my other check in the bank that was at home. But it was NOT on my list of transactions for XX/XX/XXXX nor was it included in the negative balance. After countless calls and even stopping at a branch, they refused to remove the fee. 
How can a bank charge you a fee for a transaction that is not even listed in your transactions as one that was completed for that same day?? It actually showed up on XX/XX/XXXX as a transaction that had cleared in XX/XX/XXXX. HOW??? 
I took picturea due to this happening in the past and after this is situated I will be closing my account at Bank Of America. I was contemplating it anyway due to their new monthly fees. I am a low income person so I have to pay a fee to have an account. Ridiculous and now they can charge fees for ghost transactions that appear online the next day. This should be fraud and illegal. They think they can take money out whenever they want and not post it for you to see? WRONG VERY WRONG!!! I have been a customer for many many years and I hope {$35.00} was worth it to them. They are crooks!!!
I leased a XXXX Toyota Rav 4 EV. The vehicle has been in service many times for ECU not functioning properly, Toyota has failed to fix it. My vehicle has been in service for 6 days at the XXXX Toyota location and they are claiming it is XXXX 's fault because they built the drive train for the vehicle. The dealership referred me to Toyota help line XXXX to open a case. I have called in XXXX times and even sat on hold for XXXX minutes to speak with anyone. Nobody has called me back and the operator claims they called me on both my numbers listed but I have never received a call and no missed calls show up in my call logs. I purchased an electric vehicle to be able to save time and money and now all I have is problems nobody can seem to fix.
I am a XXXX senior who recently filed for a Home Energy Loan through our State 's Housing Department and the credit scores shown on XXXX are better than the ones the Housing Department received. I just have the question as to why do I have to PAY for a CREDIT SCORE ( in particular Experian, who does not report XXXX ) that is so important " in the system '' and can be used FOR or AGAINST me? I intend to question the scores shown this morning on XXXX against the lower scores the Housing Department received less than 24 hrs ago. Housing received XXXX XXXX, XXXX XXXX AND EXPERIAN XXXX. I must have a score & gt ; XXXX and I know something is incorrect. Companies should not have the right to pick and choose what reporting agency they report to! If they are reporting something that will affect a consumer 's wellbeing ( home, employment etc. ), they should report it to all agencies that may receive an inquiry.
I have been trying to remove my mortgage insurance with my Loan Servicer. I have a conventional loan and have had this loan for over 2 years. My value has increased greatly and my equity has increase to a point that i could request to petition this MI with a new appraisal to show my current value. I started this process in XX/XX/2018 and they have not replied back to me by letter or phone. I called the company on XX/XX/2018 and spoke to a customer service person and then a supervisor. I was told that they would have an appraiser contact my within a week and help me take care of this. As of today the XX/XX/2018 i have not had an appraiser call me. The company has called me and when i call back they tell me this is still pending. I can not get a straight answer from them and i feel like they are taking advantage of me. My father is a real estate appraiser and my mother is a loan officer and they know the rules regarding the removal of  mortgage insurance.
XXXX XXXX XXXX is collecting 4 debts for XXXX XXXX Emergency Room, listen before you guys are making up your bills, you need to make sure that it's real. Or I'll take legal action for destroying my reputation. I went to see a doctor at XXXX XXXX not in the emergency room, I had an appointment. I had my insurance, and was covered. And I went there only once in my life. I never seen those 4 collections, if we'll have to take care of that in court. Because you guys are all over my report for false debts. Now if you don't go ahead removing these false reports from my credit reports. I'll file against XXXX XXXX XXXX in court. That's a totally destruction you guys are doing to me, it hurts my credits reporting debts that even you guys have no ideas where the hospital got them { { { { { Opened : XX/XX/XXXX ( 3 yrs, 7 mos ) Amount : {$710.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ( 2 yrs, 6 mos ) Account status : Open Amount : {$310.00} Original Creditor Name : XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ( 4 yrs, 3 mos ) Amount : {$300.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ( 4 yrs ) Account status : Open Amount : {$38.00} Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX
XX/XX/2019 I was notified on XXXX XXXX and XXXX XXXX that a bankruptcy that was reporting on my credit file had been removed in the process they took it off and put it back on there which can not do they did not verify this information I know because the federal court here does not report to credit companies therefore they lied like it was verified so they removed and put it back and it need to be deleted which is a violation this was Transunion
I received a phone call on XX/XX/2016 stating they had important information about my residence and they stated my address in their voice mail message. My wife, brother, sister in law and nephew all received phone calls today stating they have urgent and time sensitive information they are trying to deliver to me and gave a case #. The phone # they gave for call back was XXXX. 

I have never given this company or this person prior express consent. 

Their company website is found at XXXX Their contact information is given as follows : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, California XXXX XXXX XXXX : XXXX Facsimile : XXXX Other addresses for XXXX XXXX XXXX include : XXXX XXXX XXXX , XXXX. 
XXXX XXXX XXXX XXXX, California XXXX
Hello, My name is  XXXX  and I recently noticed th at Macy 's had rep orted to all  XXXX  of my credit reports that I was 30 days late in  XXXX  of  XXXX  but I was never late and that information is not accurate. I had called the company back then to report that my statements were missing. either lost or stolen or never received and all of the fees were waived an d the manager was very understanding. I remember that they assured me that this would not impact my credit report and I t rusted the managing supervisor on the phone and never thought about it again. Now, I am currently trying to purchase a home and my real estate agent informed me of this late and I was completely shocked and disappointed to see that the changes were not made to correct the inaccurate 30 day late in  XXXX  of  XXXX . I was never late to make any payments, I am a very responsible credit user, the statements never came to my house nor had I received any phone calls regarding a missing payment to even know. Please a sk Macy 's to  make  XXXX   XXXX  current and never late, that would be the correct reporting. whatever appears now is completely inaccurate.     Also, I noticed that they also placed an inquiry on credit report and that is wrong and should not be appearing on my report. I never applied for new credit at macys in  XXXX  of  XXXX  and I have no idea why this is appearing on my credit report via   XXXX   XXXX  . I have always had  a Macy 's Department Store card  and never authorized anyone to reapply with my social security number. I have been a member since  XXXX  so this is very confusing to me. Please have them remove the inquiry from  XXXX   XXXX  as well-that is wrong. Thank you so much
On XX/XX/2016, I completed the rehabilitation process of my student loan with XXXX. Rather promptly, XXXX deleted their default tradelines from all of my credit reports as agreed. XX/XX/XXXX, I received correspondence from XXXX ( Sallie Mae ) that my loan was assigned back to them after rehabilitation. This correspondence was dated, XX/XX/2016. I took this as the start of the 30 day clock of notification that my student loan had been rehabilitated and to remove their default status per 34 CFR 682.405 ( b ) ( 3 ) ( ii ). 
On XX/XX/2016, I disputed the Sallie Mae tradelines with XXXX and XXXX. The tradeline was updated on both credit reports ( not sure what was changed ) however the default status persisted. In addition to that, on XXXX a new tradeline was added with the same account number, under the XXXX name with the default status also and tanking my scores! I have since disputed that tradeline which the investigation is ongoing as of today. 
On XXXX, I disputed the Sallie Mae default tradeline on XX/XX/2016. The investigation completed on XX/XX/2016 with an updated status. Like the other XXXX credit reports, the default status remained and is present today. 

The above clearly shows Sallie Mae/XXXX to not only be negligent as the lawsuit filed by the CPFB alleges but also willfully non-compliant.
The following debt has been paid. I am a veteran and the VA pays all of my medical bills. I did not receive notification of any debt. They just placed it on my credit. 

XXXX Agency Name : XXXX Balance XXXX, XXXX Status Unpaid Debtor : XXXX XXXX XXXX.
I have a payment plan with them i missed one time and I continue to get calls two three times per day including Sat and Sundays.
I have written to Experian, XXXX, and XXXX, providing all 3 credit bureaus with an update of my personal information -- -correct name -- - XXXX XXXX XXXX XXXX XXXX -and correct address XXXX XXXX XXXX XXXX. # XXXX, XXXX, AZ XXXX. 

I have also instructed the same bureaus to delete any other addresses appearing on my credit report as these are incorrect and potentially make me liable for fraud. XXXX and XXXX ignored my request entirely ; and Experian stated that they would place a fraud notice on my account, when deleting all incorrect addresses and name variations would be sufficient. 

Additionally, I have provided sufficient identifying information -- - a CURRENT driver license -- - and a copy of my social security card.
I disputed the response from Equifax on my first complaint ( # XXXX ). I requested that my personal information be corrected and the formerly known as and addresses be deleted because it is crossing information on my credit report. If you review my case, you will see I submitted my request on XX/XX/2016, Equifax response, and my proof of identification. Their response did not have anything to do with my complaint, and now I am requesting another complaint against them improperly updating my personal information. Since then, I did receive another letter from them updating my legal name but still have me incorrectly formally known as and previous addresses still incorrect. I have attached the new case number and proof of them still not correcting my information.
On XX/XX/XXXX I received a phone call at my place of employment from a XXXX XXXX calling from XXXX ( northeast Collection Bureau ). He stated that my file was bought by them and am currently {$3000.00} in debt, but that is not the amount I was told in XX/XX/XXXX. In the month of XX/XX/XXXX I was told {$1200.00}.
I have asked numerous ti mes for Capio to  send me the proof that these  XXXX  items on my credit reports are mine. The credit bureaus deleted these and now I seem them back on with out the proof ever being sent to me. These charges listed are not mine and it is fraudulent for them to keep reporting without 100 % proof and accuracy, which has never been provided! I am in the process of buying a home and this has been resolved once by the deletion of these items, only for them to reinsert them, it is not fair for them to be able to keep doing that. I have NEVER been provided with the original paperwork with information showing this