WillisBack/dataset-financial-user-claim huggingface dataset:
I did at length report to XXXX that my credit score ( XX/XX/XXXX it was XXXX : now it is XXXX ) had gone down significantly [ XXXX points ] for no reason and the answer was : " The higher your credit score the more it is scrutinized and every negative impact impacts it significantly '' I had absolutely NO DEBT in the spring, took out a reverse mortgage ( drew out {$46000.00} of possible {$76000.00} : paid cash for a new car and credit for flooring that I paid off immediately. I owe less than {$300.00} today! Before the reverse mortgage, my house was paid off and had been since XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX
Original Total Loan Amounts : {$10000.00} and {$19000.00} both dated XX/XX/2005. Made all payments on time. Guaranteed interest rate was 1.875 %. Navient changed my interest rate to 2.875 %. Accidentally made XXXX  XXXX XXXX Online Payments to spouse 's Direct Parent Plus Loan on Daughter, XXXX 's Account., rather than on my own personal loan. When error was discovered XXXX   XXXX XXXX Manager, myself and Sallie Mae manager resolved the issue immediately and payments were made immediately to rectify the problem. Dept. of Education FSA sent refund checks for overpayments to Parent Plus Loan since that loan had already been paid in full. Navient changed my interest rate to 2.875 and after many letters and phone calls to them they have refused to honor the correct interest rate of 1.875 for years. They may have already changed my interest rate prior to this error having taken place. I have always paid and continue to pay all of my bills on time and it is unjust that those who pay their bills are treated unfairly. 

Another complaint is also being filed in regards to my spouse 's parent plus loan through Navient.
This debt is showing up on my XXXX credit report as an unpaid collection. The amount is {$50.00}. I have know that this debt is not mine as I have several listed on my XXXX report. I need CommonWealth Financial to remove it from my XXXX report. Someone has used my social security number at a hospital and that why this collection is showing negative and a collection on my credit report.
CITIMORTGAGE IS STEALING MY HOME It 's Gone XXXX XXXX, XXXX ( Sale Confirmed XXXX XXXX, XXXX ) Confirmed Sale while working on a loan Mod In-scope borrower, Independent Foreclosure Review, wants the second part of the Agreement enforced to stay in home of 17 years. Payout was {$3700.00} and CitiMortgage has caused significant financial harm. 
1. First, the Complaint of the Foreclosure is filed and based upon the wrong loan document. More specifically, the Complaint is predicated on a Loan Modification Agreement entered into in XXXX XXXX. ( attachment ) The foregoing Loan Modification Agreement, however, was the wrong loan document upon which CitiMortgage filed this action. That is, there was a subsequent Home Affordable Modification Agreement entered into by the parties in XXXX XXXX. ( attachment ) CitiMortgage never sued upon the operative, controlling XXXX XXXX Home Affordable Modification Agreement. 
For this reason alone, the Judgment Order must be vacated. 
2. Second, the public record reveals that CitiMortgage did not have the requisite standing at the time it filed its Complaint. The XXXX County Recorder of Deeds website reveals an Assignment of Mortgage from XXXX XXXX XXXX XXXX CitiMortgage , Inc . The Assignment of Mortgage is dated and effective as of XXXX XXXX, XXXX. ( attachment ) However, the foreclosure action was filed by CitiMortgage, Inc. in XXXX XXXX, some 5 months prior to CitiMortgage acquiring any interest in the subject Note or Mortgage under the Assignment of Mortgage. ( attachment ) Remarkably, the Assignment of Mortgage was never appended to the Complaint as an exhibit. 
3. Third, the Judgment Motion was supported in part by the Affidavit of Amounts Due and Owing of CitiMortgage 's XXXX XXXX XXXX ( " Affidavit '' ), which in turn had appended to it partial payments history from XXXX XXXX, XXXX through XXXX XXXX, XXXX which is inaccurate. ( attachment ) However a plain review of the XXXX discloses that it is insufficient as a matter of law because ( i ) the payment history appended thereto is incomplete and omits over 8 years of payment history, and ( ii ) the Affidavit itself fails to establish that the documents appended thereto, allegedly establishing the amounts due under the loan, are exempt from hearsay rule as a business records. 
4. Finally, the CitiMortgage 's loss mitigation affidavit, dated XXXX XXXX, XXXX, and submitted in support of the Judgment Motion was in violation of Rule XXXX. In the loss mitigation affidavit, the CitiMortgage represented, under oath, that Defendants were " eligible '' for " HAMP Modification '' and " Traditional, Standard, or In-House Modification Options ''. The foregoing statement, however, was simply not true. In a correspondence dated XXXX XXXX, XXXX from CitiMortgage, the CitiMortgage unequivocally stated that it could not modify the subject loan because the " Loan must be Citi held ''. The foregoing letter clearly contradicts the loss mitigation affidavit, which states that Defendants are eligible for modification. Perhaps more fundamentally, the foregoing letter also corroborates the argument that CitiMortgage was not the holder or owner of the subject loan documents.
On XX/XX/16 and inquiry was made with this bank for a XXXX card by my ex wife and without my knowledge or consent.I was unaware until i gained access of my XXXX XXXX account.
XX/XX/2012, I got into a bind after totaling a vehicle and needed a new car bad. After shopping around I found it hard to get financing. I found a dealer who got me financing through automotive services finance and it was a disaster from the start. The dealer, XXXX XXXX XXXX XXXX, seen the vulnerability and got me a extremely overpriced vehicle at a terribly high interest rate but I accepted since I found nothing else. After two days of having the car the check engine light illuminated. I returned to the dealer, who is now permanently closed down, to get it checked and he told me I already owned the vehicle so it is none of their concern. ASF couldnt help me over the phone as well. Fast foward maybe about two years without missing a single payment. I am XXXX military and two days before XXXX the car catches on fire while I am on the highway. A bystander stopped and gave me a fire extinguisher and a follow me truck from the state of Virginia escorted me home watching that the car does not catch on fire again. The car was no longer drivable. I contacted ASF since I had GAP coverage but left to XXXX before a response was received. While I was on XXXX I sent numerous emails to ASF regarding the GAP coverage. My wife also sent emails and made many phone calls. We did not get any response and when we did get a response it was that someone would call me back. Finally when speaking to the account manager I was told someone would come out and make a estimate of the damages. That never happened. I was told they would store the vehicle for me and have a mechanic take a look at it. I shouldve known that was a lie just to be able to get the vehicle in there possession. After 6 months of making payments on time for a car I no longer had, I came back from XXXX and needed another vehicle. So I was forced to stopped making payments on the ASF vehicle to be able to afford another. The second I missed a payment is when they would start calling me but said GAP would no longer cover me since I no longer had insurance. Although I had insurance when the damage was done. They got a judgement on me and threatened to garnish my wages. The judgement is now showing on my credit reports damaging them terribly. The account is also shown as Charged-off, stopping me from obtaining any kind of credit from anywhere without a insanely high interest rate. I still make payments on the account since I want it removed and they came to a settlement with me, but the damage is already done to my credit history and will effect me for years to come. I believe this was very unfair practice from the very beginning to a consumer and a servicemember.
Synchorny bank lowerinf credit limit after paying down balances. I recently submitted a complaint with CFPB about being reported late. I have had a number of accounts with Synchrony. I advised them that their history must be wrong. I habe not had any problems with all of my other Synchrony accounts. Shortly after filing the complaint with CFPB Synchrony lowered my credit limit on my banana republic card. I then closed the account as the new limit was {$100.00}. You can not purchase much with that limit. I then filed a started litigation against Synchrony bank. Last week i paid down balances on a few of my Synchrony accounts. While checking my credit report tonight I noticed that Synchrony now lowered my credit limit on my Lowes card. I recently paid the account down from 68 percent to 2 percent. I guess since they can not make money off of me with zero to low balances they take it upon themself to lower yoir credit limit. Had i known that they would lower my credit limit once i paid the account down i would have paid the money on a different bill. This now affects my utilization scoree. I have been faithful with my Synchrony accounts with no 30 days on any of the accounts except for whatever mix up with the Banana Card. I closed the lowes account after learning of the decrease
I paid my account about 3 months ago and its still showing up on my credit report. I contacted the collection agency and they said its an XXXX issue and they need to update their records.
I had an account in collection in XX/XX/XXXX. It was for a little over {$300.00}. I paid it off in XX/XX/XXXX. On my credit report it shows as paid in full, but I want it completely taken off my report. I called NCC Business Services but they refuse to take it off. What can I do?
To Whom It May Concern, In the attached statement are duplicated and incorrect charges I received from XXXX XXXX Apartments. I pointed out the damages to apartment # XXXX as well as the dirty conditions upon move-in on XXXX/XXXX/2013. These are clearly damages and cleanliness issues they are trying to charge me with in the move-out statement which clearly do not belong to me. I had reported these conditions to the leasing office before and after move in and they never made it a point to have them fixed or cleaned. The charges related to the damages and cleanliness conditions have to be removed from the balance to be paid. 

I have kept frequent communication with the leasing office and the collections agency via email. I have also visited the leasing office to submit my supporting documents and to receive the corrected balance, but I was told by the manager, XXXX XXXX, that they have to review the information. I have yet to hear from anyone. 

I would like to have this resolved in a timely manner and ask for your cooperation and advise. Please feel free to contact me directly if you have any questions. 

Best Regards
Victoria secret credit card uses comenity bank as their lender and they are alleging I owe about 200.00 in late fees and interest. I went in to make my bill back in XXXX or XXXX of this year. I asked the front desk cashier to call the credit card company and find out my payment balance. She did and I was told it was XXXX. I made the payment successfully. I then later received a bill. The bill stated I did not make the full payment and that I was being charged. I contacted Victoria secret credit card and they informed me Victoria secret credit card and comenity bank do not run on the same systems therefore the two can not see each others information. I thought this was inaccurate because I had the cashier call to prevent an inaccurate payment being made. I was a dollar short on my payment so they charged me a whole bunch of late fees and interest. I have called numerous of times trying to settle this with comenity bank and Victoria secret and they refuse to help. They have stated the whole bill is late fees and interest charged from not paying the full payment. I had a balance of only XXXX. The bill is now almost 200.00 because this company refuses to take off those fees. I should not have to be held responsible for their inaccurate system. This bank and store do business together therefore they should make it convenient to serve customers. This is causing the bank to add unnecessary charges and cause unnecessary billing fraud. I want this taking care of as soon as possible. I want all fees and interest accrued from their mistake dismissed. Thank you.
I never gotten any bill saying i owe this debt. All my medical bills in pass were covered by Medi-cal. This debt appeared on my credit score from collection agency CA BUS BUR. And has been since 2012.
I contacted Capital one card services on XX/XX/18 and they offered me a program that would lower my interest to 7.4 % and a monthly payment of {$160.00} to lower my balance of {$8100.00} to XXXX in XXXX years. I told them that I would have to think over terms and call back. The rep. XXXX said that I would have to reanswer some questions when I call back to be approved for the program if I decided to enroll. I call back some hours later and spoke to a number of representatives including an account escalation mgr. who said that I could not enroll in the program even though I was offered it earlier. 

I was frustrated already because I have called Capital one for several months explaining my financial hardship, and asking for different payment options or to change my due date to align with my pay to ensure that I don't fall further delinquent and assess more fees. Every time they would say there was no other options available which puzzled me because I have had the same circumstances but they were able to offer me on XX/XX/18 a special program to lower my balance. 

I think they are eluding consumers and doing a bait and switch tactic which is very cruel, inhumane and psychologically damaging to especially someone who is experiencing a financial hardship. 

I've had the card for seven years and had many credit line increases and paid on time, now the minute I'm experiencing difficulty they behave in such an unethical manner. It is unfair and discriminatory. 

I decided to close the card and requesting that they refund fees and interest on my card. I plan on paying it off sooner than later
About 2 years ago I received a notice from XXXX stating that I was past due on my cell phone bill for about {$680.00}. I contacted them and we went over every inch of my bill and they agreed that I did not owe the payment. Later on I received a bill from a collection agency stating that I owed XXXX the amount listed above. I contacted XXXX again and they said they would take care of it. About 2 months ago I have been receiving phone calls and statements from the same collection agency about the same charges. I do not owe this money and I have NEVER missed a payment. I am tired of all of the collection calls and notices. I want XXXX to fix this and guarantee not harm to my credit.
My name is XXXX XXXX, and I need your help with one of my accounts that is not reporting on two of the credit  reporting agencies. I have attached the payment history showing my mortgage history and that I'm still paying on it. I have asked the bureaus to contact XXXX so that it can report but I don't know where the problem is. I was able to get the payment history directly for which I attached so I don't know why they aren't reporting. I know that XXXX does report to the bureaus. I just really need them to add this to my report at least for the last 2 years payments. Any help your company can provided would be greatly appreciated.
Dear CFPB, I am complaining about XXXX XXXX XXXX XXXX XXXX, and their Attorneys XXXX and XXXX XXXX, Filing a fraudulent foreclosure action and having me illegally evicted in Violation of the Service Members Civil Relief Act and the Illinois Service Members Civil Relief Act against me and my mom ( deceased XX/XX/XXXX ) and my father ( deceased XX/XX/XXXX ) My parents are XXXX and XXXX XXXX , The mortgage was paid off on XX/XX/XXXX see document # XXXX. The illegal foreclosure and sale was intiated on XX/XX/XXXX the case # is XXXX, The court lacked Jurisdiction to hear the case In violation of the SCRA , the names of the Judges who sat on the case we're Judge XXXX and Judge XXXX they also engaged in Self dealing by having the Sheriff evict me in violation of the SCRA.
Ongoing-since XX/XX/2007, use of multiple illegal monitoring privacy financial methods and used practices to have cause years of financial burdens, caused/forced fraudulent transactions, with all banks since XX/XX/2007. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Each account where monitored with or without presumed permission by employees with each bank spreading personal financial account information while tracking location, prior to purchases, as well as short times of not affecting or influencing any monetary transaction through the years. Causing extreme monetary losses, thefts, price gouging, even this new evidence where most agencies contacted through the years for assistance went with complete failure or apprehension of such ongoing years of financial losses.
I send a certified letter return receipt to the address listed on the website on XX/XX/2018. On XX/XX/2018 I place a stop payment on my checking account to prevent any additional payments from being taken and they are still coming out. On XX/XX/2018, the amount of {$530.00} was deducted from my account. I want my money refunded. 

Tracking number for certified mail is XXXX.
I have sent a certified letter to XXXX XXXX XXXX XXXX. and asked them to send me all of the information in the letter that had all of the information that I am asking for. I have all of the letters and copies of the information that I am asking for. They did not give me all of the information that I asked for. They are still wanting my to pay this debt but I asked for information and they did not give me everything that I asked for. I gave them 60 days to take care of this debt and they have not taken care of the debt at all.
To Whom This May Concern : Upon reviewing my Transunion account it looks as if I have a LOT of inquires that DO NOT belong to me on my account. I even have some that show up at multiple dates. I mailed a Multiple Inquiry removal letter on  XXXX   XXXX ,  XXXX  by certified mail in order to dispute information, in regards to  XXXX  inquires, that is being reported on my credit report. They received the letter on  XXXX   XXXX ,  XXXX  and they completed the request on  XXXX   XXXX ,  XXXX .   The request that I submitted included  XXXX  inquires that were not factual and I received the same response for All inquiries, which was  XXXX  are a factual record of file access. If you believe this was unauthorized, please contact the creditor.   I would like for the below inquires to be deleted.     XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX  and  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX  ;  XX/XX/XXXX  ;  XX/XX/XXXX   XXXX   XX/XX/XXXX  ;  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX  ;  XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  ;  XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  ;  XX/XX/XXXX  ;  XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX    XX/XX/XXXX    XXXX   XXXX     XX/XX/XXXX    XXXX    XXXX   XX/XX/XXXX  According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 (   a )  ( 1 ) , it states that any information can be disputed and MUST be investigated and if you do not investigate ANS respond, the CRA must delete the disputed information from its files.   The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that does not belong to me, I did not sign for anything.   This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.   Thanks
Someone has been opening credit cards in my name.  XXXX  company,  XXXX    XXXX    also known as  XXXX  even settled with me over allowing someone to fraudulently open accounts in my name. I have sent that settlement paperwork and police reports to Equifax, yet they refuse to remove the   XXXX   account. Additionally,  XXXX  authorized the removal of this account and they refuse to comply. Furthermore, additional account such as  XXXX  and  XXXX  have been opened in my name and they refuse to repsond to the submitted police report by removing the accounts. Finally, in the last  two  years I have n't authorized anyone to check my credit c=and they are constantly reporting people checking my credit even though my file contains an extended fraud alert.
Hello I did a balance transfer with Well Fargo bank back in XXXX of 2015. The transfer never hit my account to XXXX credit Union.. I have been asking for the amount to be credit back to my card. They told me there was a bank error. The transfer was for $ {$700.00}. After going to the bank and talking to them every week since XX/XX/XXXX. They told me it would take 60 days To get the amount credit back to my card. The bank told and XXXX XXXX at the XXXX bank that it was a bank error. They told us it want to the wrong account number. I am still waiting as of today date for the credit back to my card. This is damage my credit score. I have been still paying the card on time. My name is XXXX XXXX XXXX if any question. I need you guys help bad.
The Bureaus is repo rting a bill of {$5000.00} as unpaid by me. The Superior Court of the State of California,  XXXX   XXXX , ordered in my divorce that the bill be paid by my former husband  XXXX   XXXX   XXXX .   I have supplied a copy of the court findings, and names and addresses of the Executor o f his Estate to the B ureaus. At that time I explained to the Bureaus that there was plenty of money to cover the debt. Th e Bureaus failed  to follow up on this information and was negligent in trying to collect the money. Therefore they should not be allowed to report it as my debt.   Respectfully  XXXX   XXXX   XXXX
on XX/XX/XXXX I wrote to you to inform you that you are reporting inacurrate information of about me on my credit reports. You claim that your clients XXXX, XXXX and XXXX both have the right to report an unknown and frauduently opened account on my never before used credit. I have not yet had the opportunity to use my credit and some one has opened an account that you and these companies have verified as owned. I wrote to both of these companis and requested full validation made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act along with the corresponding local state laws. 

My request to the bureaus Experian ; XXXX XXXX and XXXX that I require validation that is competent evidence bearing my signature showing that I had some contractual obligation to pay. 

These collection companies have been reporting a frauduently opened account to the ( 3 ) reporting bureaus for nearly ( 2 ) yerars and have paid no attention to my request to validate because the information is incorrect. The collection agents have taken it upon themselves to continue to knowingly provide incorrect information about me to the credit bureaus and the credit bureaus will be delivering false information if they reply that this account is verified.