WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I made a purchase of over {$500.00} on my XXXX charge card ( issued through XXXX XXXX ).  On XX/XX/XXXX, I paid the balance, in full. I tried to use my charge card on XX/XX/XXXX and was unsuccessful. I was unaware that my account had been closed without my permission or any type of notice. This caused a decrease in my credit score by over 25 points. I do not carry a large outstanding balance on any of my cards, and I try to use all of them at lease once every 6 months to keep them open and active. I am trying to maintain a high credit score and low utilization rate so that I can purchase a home in the near future. This is not the first time Comenity Bank has done this to me - closing accounts with no notice. I have lost at least three accounts in this manner, thus causing credit score fluctuations and concerns. 
Through my account, online, on XX/XX/XXXX I received a notice regarding changes in the way they calculate the minimum payment due, as well as changes to their arbitration process. NO WHERE did I read that they were closing my account. 
My personal assumption is that they close these cards regularly so that it incentives customers to continuously open new accounts ( new account = discount on purchase & employee commissions ) ; this behavior can have a negative impact on one 's credit.
Under the new law effective XXXX XXXX, 2017 it has been determined that any public record data must include name, address, SSN and Date of birth in order to be reported on your credit file. The credit bureaus has failed to update this information and per the new law, The Bankruptcies should be deleted from all credit reports.
I have a credit fraud alert on my 3 credit bureaus. Even with the fraud alert the 3 credit reporting agencies continue to allow my credit to be pulled with out my permission. Credit inquiries count against my credit scores. 95 % of the 50 plus credit pulls are not because i have requested my credit to be pulled.
I submitted the proper paperwork to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them. I contacted Equifax and they told me it would take 30 days, however the Fair Credit Reporting Act says the accounts must be verified or blocked in 4 days.
XXXX XXXX, XXXX To Whom it May Concern : I am disputing the XXXXen ( 10 ) Federal Tax Liens on my Credit Report. As of today, Equifax has not removed the Federal Tax Liens from my Credit Report as cited by the National Consumer Assistance Plan ( NCAP ) Rule of XXXX, XXXX, which states, in part, the credit reporting agency will remove any Public Record, Judgments, and Liens that do not have all the required information. Therefore, Tax Liens that do not have the FULL Social Security Number ( SSN ) or Date of Birth ( DOB ) are cause for being removed from the Credit Reporting Agencies ' database. My ten ( 10 ) attached Notice of Federal Tax Liens display a PARTIALLY REDACTED Social Security Number ( SSN ) and there is no Date of Birth ( DOB ). Based on the NCAP Rules that became effective XXXX XXXX, XXXX, I am disputing the Federal Tax Liens on my Equifax Credit Report and I request they be removed according. Thank you very much, XXXX XXXX XXXX
Received call from Forward Movement Recovery at XXXX stating I had made and online loan in XX/XX/XXXX while working for XXXX XXXX XXXX using a XXXX address. I did not live in XXXX in XX/XX/XXXX nor had I lived in XXXX since XX/XX/XXXX. I also made no online loan application during XX/XX/XXXX or in then years since I had been in XXXX. No account number or business name of the original lender were provided nor address of Forward Movement Recovery were provided.
Bayside Capital keep contacting me about a debt that I know nothing about. They gave me their information but the guy ask me was I'm going to pay it. I replied that I don't have money to give away on a debt that I don't have. They called my phone threatening to serve me. I have the messages on my answering machine and I also have both conversation I had between both guys saved in my phone. Luckily, I record EVERY conversation I have on my cellphone. I explained to them that my attorney has to look into this. The guy went on yelling at my saying I'm scamming these people out of their money. He also said that they will seize 25 % of my earnings. On an account I know nothing about. I work too hard for my money just to give it away so easy. This is the second time this has happened. My next course of action is to get the police involved and file a police report. I'm not going to give up my money to a bunch of scammers. They gave me my daddy 's previous address. We have relocated twice from XXXX XXXX. I do not appreciate these threats. A legal company is not ran like that.
I successfully completed a 60 months Chapter XXXX Bankruptcy. I filed my case on XXXX/XXXX/XXXX in the XXXX. of Ohio as case Number : XXXX. I received a discharge on XXXX/XXXX/XXXX and my case was closed on XXXX/XXXX/XXXX. The bankruptcy trustee paid my mortgage through the Plan. The Court issued an order on XXXX/XXXX/XXXX finding that all pre-petition arrearage had been cured and that all post-petition payments had been timely made and that the bank should adjust its balance pursuant to the original amortization schedule of the loan. I have timely made each of the payments on the mortgage loan since the end of my bankruptcy. I ordered a complete account history from Citifinancial XXXX. and from the Chapter XXXX Bankruptcy Trustee and gave those records to a certified public accountant. The accountant prepared an official report and came to the conclusion that I owe only {$56000.00}. Citifinancial says that I owe them in excess of {$120000.00} ( though the figure frequently changes XXXX. No one at Citifinancial, XXXX will talk to me and I just get bounced around from customer service to the bankruptcy department and then back to customer service and then back to the bankruptcy department.
My son was XXXX and told the Wells Fargo banker we needed to set up a free checking student bank account before he goes to college. We completely set up the account and then in a few months her turned XXXX and started charging fee. I called to complain and they said they 'd give us no charge as a courtesy for a few months. They said it was a free account knowing it would not be free in a few months when he turned XXXX.
My issue is with you as a Protection agency who is suppose to protect people from bad business practices and 11 years later, it seems that you are probably no more than an F with the BBB. Come on, the student loan SCAM has been going on for years and it still persists and the big question is why. The answer ... $ $ $ $ . There is no other way to look at this. People are sited all over the web on different sites explaining their personal stories and how theyve been misled and stalled when trying to address their problems and the shame is that they have to lean on you ... a created government body to help. Imagine that. Another government body that we have to use to get this done. When I used you for another company issue, you sent my complaint to the company and took their response, closed the case and that was your job completed. What a shame. Do something about the student loan scam since that was why you were created in the first place ... to go after businesses that XXXX people.
Account placed with 2nd collection agency. XXXX automatically renewed service after 2 yr contract, tripled my monthly rate, called to cancel and they charged XXXX cancellation charge. Placed with another agency that removed debt. Idiots at XXXX replaced. I want this removed immediately!!!! Also filing a complaint with FCC for unfair practices. Also this is over 7 years old!!!
my wife received a " home projects '' credit card in the mail from Wells Fargo. 
she never asked for this, does not want it and does not want to do business with this disreputable company. we called XXXX and " XXXX '' told me he would reveal the name of the company who provided my wife 's name and address only if he spoke with her directly. when i handed the phone to her XXXX insisted on having the last XXXX digits of her Social Security number, which she refused to provide. we want Wells Fargo to erase this account and number and delete her name and address from their records, and to reveal their source for this information.
To have on several occasions to have negative items removed from my report. But to no avail. I have also disputed several things on my report but they are still there. Also there a number of hospital bills on my report that the hospitals are trying to get paid twice for and XXXX have already paid the bill. I have tried to clear these things up but the creditors keep selling my so called depts and that is illegal.
I started doing business with  PayPal  in  XXXX  of   XXXX  . At that time my  credit score w as around  XXXX . Because I did a lot of business I was put on  a 21 -  day rolling hold to withdraw my funds - to make sure that I fulfilled the orders put through my  XXXX  store. I complied with this, but due to the rolling hold which reached above {$25000.00} I had money on my credit cards. This was n't a problem and I figured it was part of " having to do business with  XXXX  ''.     During that time, due to funds being on my credit cards, my  credit score  took a temporary dip to  XXXX , which I was also okay with knowing that the money was going to be paid off. But then, on  XXXX   XXXX ,  PayPal  checked my credit and said that it now was low enough to change my 21 day rolling reserve to a 5 % 90 day rolling reserve, due to my  credit score, which they caused to drop. Now I 'm almost 60 days into that 90 day rolling reserve and PayPal will not review my reserve for 6 months from when it was put on. So PayPal  is currently sitting on {$5800.00} and I 'm only  2/3rds t hrough the first round of reserves.     My average margin is well above 5 % and usually closer to 13 %, but there are times when my margin, on certain orders or through promotions, are below 5 % so I 'm taking a cash flow it. I also provide for a wife and  XXXX  kids, the money that PayPal is sitting on could pay off the loan of  one of our cars ; but they refuse to even look at removing the reserve for another 4 months even though I 've been a good customer and have processed {$180000.00} through PayPal  since  XXXX   XXXX ,   XXXX  .     When I  ask PayPal for an explanation, they say that they 've done this for multiple factors, including my credit score. This d oes n't feel ethical or honest, and does n't seem like a bank would be able to get away with this same behavior.
I had a contract to sell my home. Bank of America did not credit my mortgage in a timely fashion, and the contract expired. I
We have gone to our mortgage lender on several occasions trying to get a lower interest rate with no success. We feel that we are victims of predatory lending practices. We need an interest rate that is more aligned to the market rate. Our current rate with Citi is 6.64000 %.
An account holder at  XXXX , took funds illegally from my bank account ( TD bank ) on the following dates.    X/XX/17    for {$50.00}  X/X/17    for {$50.00}   XXXX     for {$50.00}  X/XX/17    for {$50.00}  X/XX/17    for {$50.00}   XXXX     for {$200.00}
I called  Navient to obtain 12  months of my payment history in order to obtain a mortgage. There is a new rule that states if there is a co-signer on a loan who made payments for 12 months and you can show that proof then this amount is not factored into your debt to income ratio. It is a very important step in the mortgage process especially for a first time home buyer with student loan debt. When I called  Navient the first time for thi s payment history ( since there is no way to obtain this information in my online account ) they were wrong  about my payment history and in fact could not tell me who paid my loans. The next time I called Navient th ey told me that they could write me a letter because they could not provide copies of the checks that were sent to them each month that they processed as payments on my loans. However, after speaking to  3 levels of customer service, Navient informed me that the letter could only be sent by US mail in 7-14 business days. This  is an ABSURD amount of time for someone involved in the mortgage/underwriting process and attempting to close on a home within 30 days.  Navient told me that they could not email me the letter. Compare this to other government lenders who have mortgage letters readily available on the online portal accessible immediately. THEN, a week later I needed to contact Navient for a copy of my original promissory notes. AND THEY SENT THE WRONG PROMISSORY NO TES. I only have  XXXX  active loans in repayment w ith Navient. Ye t, they did not even send me the correct information. THEN, after they " found '' my original promissory notes for the  XXXX  loans the estimated time to send me the documents was by   XXXX   XXXX   XXXX     when I called on   XXXX   XXXX   XXXX    . Why is n't the original master promissory note attached to my account and on file and readily accessible? More than 2 months for a routine document necessary to provide to an underwriter to obtain a mortgage is  UNREASONABLE. Navient has the ability to prevent me from obtaining a mortgage that I am otherwise qualified to obtain SOLELY because of their inability to provide me with documentation associated with my account, which is current and historically paid on time. If Navient can not provide adeq uate and accurate information within a reasonable time period to its customers then they should not be in business and should be shut down for unfair and deceptive business practices, misleading customers and unduly withholding customer information.
In the summer of 2017, Equifax advised that its systems were compromised by a cyber attack that affected me. Upon checking their own " Security2017 '' website, and providing my information, it is obvious that I have been affected as I was offered their credit monitoring product on a specific date. I have placed a 90-day fraud alert on my files, and I am highly upset by this breach. Due to the lack of security measures at a reporting agency that holds my data without my consent, I know have a quality of life issue and will almost certainly be denied credit in the future due to my information being out " in the wild. ''
Wells Fargo issues me a credit card with a {$6300.00} credit limit that was never applied for. I have contacted them and opened an executive complaint ( XXXX ) and they admit they have no application for the account, but refuse to close it.
TO WHOM it may concern : I am filing this complaint because ocwen my loan servicer for XXXX had approved me for loan modification I did not receive any paperwork.I then had to resubmit to them. 
have been waiting over a month to hear anything other then they are still looking at it I started this process in XXXX of 2015 with the help of law firm. 
the reason for my hardship is separation from my wife. 
I work in the construction field so I have a slow season. 
with work getting ready to pick back up I was hoping to be around the house when they make a NEW DECISION but since I was approved I was wondering why this has to be drug out.
The credit reporting agency, Equifax, has had a severe security breach to which I have " possibly '' been affected -- not a " yes '' and not a " no ''. While that sounds extremely vague, it is extremely unsettling. I 've heard that the security breach could have been as early as XX/XX/XXXX - XX/XX/XXXX, and it is only now becoming public knowledge here at the beginning of XX/XX/XXXX. I work very hard to pay my bills on time and to establish myself as a trust-worthy borrower. This company has my confidential information, and I am not pleased that their digital security is lacking enough to have had a breach. Not only is my personal information possibly in the hands of others whom should not have it, I also heard that their executives issued an impromptu stock/sharing sell-off prior to the public 's knowledge of this security breach. I 'm not an expert, but that sounds like insider trading to me. From what I hear, and if past occurrences are any indication of the precedent that has been set, this company and its executives will receive a " slap on the wrist '' while other hard working Americans could possibly have their lives ruined due to identity theft or other types of forgery at the carelessness of others. I 'm sure this is not going to be the first complaint against Equifax, or the last, but this is absolutely unacceptable.
AS INSTRUCTED BY XXXX CONFIRMATION RECEIPT, I CALLED TELEPHONE NUMBER GIVEN XXXX ON XXXX XXXX, 2016 UPON ARRIVAL AT XXXX XXXX XXXX, ( APPROX XXXX ) TO HAVE SOMEONE PICK ME UP TO GET THE CAR RENTAL IN NERABY PROXIMITIES. I WAS INFORMED BY REPRESENTATIVE WHO TOOK THE CALL THAT THERE WILL BE AN EXTRA CHARGE OF {$17.00} PER DAY TO THE EXISTING RESERVATION BECAUSE THE PICK UP WAS SUPPOSED TO OCCURR AT XXXX. I EXPLAINED TO REPRESENTATIVE THAT I HAVE NO CONTROL OF FLIGHT DELAYS AND CUSTOMS DETENTIONS W/ THE LUGGAGE. HOWEVER, IT APPEAR THAT YOUR COMPANY IS CARELESS ABOUT THIS DELAYS PROCESS AT THE AIRPORT. IT WAS NEVER INFORMED TO ME THAT I WAS GOING TO BE PENALIZED FOR THIS. I SAID THEN THAT IF EXTRA CHARGES WERE GOING TO BE APPLIED TO MY EXISTING RESERVATION WITHOUT TAKING IN CONSIDERATION THE DELAYS OF THE FLIGHT, THEN I WILL NO USE THEIR SERVICES. I WAS NOT INFORMED OF ANY CANCELATION FEES AT THE MOMENT. MY POINT IS THAT I DID CALLED TO HAVE SOMEONE PICK ME UP AT THE AIRPORT TO GET THE CAR AND YOUR COMPANY DECIDED TO PENALIZED ME FOR THE DELAY SO I DECIDED NOT TO USE YOUR SERVICES.
I made a payment online and they said that the payment was confirmed on time. I found out later that they had problems with their website and my payment was never received causing a payment to show as 30 day late and ruin my credit for something that I did nothing wrong. The bank refuses to remove the late payment history from the credit bureaus.
My property was flooded on XXXX XXXX, 2016. An insurance claim was immediately filed. After waiting several weeks for the insurance company to process the claim, I signed a contract with a General Contractor to begin making the flood repairs. The contract requires me to pay in installments. I have already paid the contractor {$32000.00} out of my own pocket, requiring me to withdraw funds from my investment accounts. 
On XXXX XXXX, 2016, I finally received the insurance settlement check of {$57000.00} and immediately forwarded the check registered mail to Suntrust Mortgage. Confirmation was received that the check was received on XXXX XXXX. Additionally, all required supporting documentation i.e., proof of payment documents, proof of loss, XXXX, Waivers, etc., were uploaded onto the Suntrust website, well in advance of mailing the settlement check. I have spoken with Suntrust Insurance Department Representatives on a daily basis and was assured all necessary documents have been received and approved. On XXXX XXXX, I was told a check was being overnighted via XXXX XXXX, to be received today, XXXX XXXX. 
On XXXX XXXX, when calling to follow up on the check which did not arrive, I was told it is being held in the Processing Dept. The representatives indicated they were unable to contact anyone in the Processing Dept. No one was able to tell me if or when I will be reimbursed. I can only assume Suntrust is holding the entire amount in an escrow account? 
With the contracted repair work now approximately 75 % complete, the contractor is now due a third installment to finish the job. For the third time, I am forced to make a sizeable payment out of my own pocket. 
The home is valued at approximately {$370000.00}. The mortgage with Suntrust is only {$83000.00}. My financial interest in this property exceeds that of Suntrust.
for a few months now I have been attempting to access my credit reports and dispute a false charge but I am not able to access my report to dispute items because XXXX and Equifax are denying me a dispute claiming I already disputed and no longer have rights to a dispute. XXXX never responded to my complain so I attempted a new one and now I am being denied. 

Also, Equifax is denying me a dispute and they sent me an error which I have attached. I can not be in collection because I do not owe XXXX anything, the account holders at XXXX XXXX are harassing me and are abusive in their calls and communication and I have let the bureaus know this and they dont seem to care. I asked the bureaus to delete this and stop tarnishing my credit report and they dont respond and are shutting me down.
In XXXX of 2016, we sent a letter to our mortgage company, Summit Funding, requested the PMI be removed from our home loan. They responded with a letter stating we had to pay Summit FundingXXXX {$420.00} for an appraisal. We paid this in XXXX of 2016. No appraisal was ever done, Summit FundingXXXX cashed our check but never followed through with the appraisal. We were told by a XXXX XXXX employee in XXXX of 2016 that the money would be refunded to us. We have not been refunded our money. Our last contact with XXXX XXXX was a curt e-mail response to us : " Per the notes on your account there is no refund due for the appraisal fee ''.