WillisBack/dataset-financial-user-claim huggingface dataset:
I currently carry a large balance, over {$13000.00}, on  a US Bank consumer credit card which I h ave had in good standing since  XXXX . Most of the balance owed is on cash advances, which I took in  XXXX  to help fund a business startup. Since  XXXX , m y FICO credit score , which I track meticulously, has increased by more than  XXXX  points and is currently near  XXXX . Despite this, and despite my other credit card companies having lowered my Variable APR significa ntly, US Bank  is charging me 22.74 % on purchases and 24.74 % on cash advances. When I contacted cardmember services to ask if the bank could lower my rate, given the positive change in my credit and length of time I have had the card ( and never once had a 30 day late payment in over 13 years ), I was told by a supervisor,  XXXX , that my APR has been frozen at 22.74 %. What was especially troubling, is that another customer service rep  at US Bank me ntioned earlier in the same phone call that there was an offer to lower my rate on my existing credit card to 19.99 %, told me that I was eligible for it, then retracted and said my APR was frozen at 22.74 %, so the offer would not apply. When I asked for the reason for my APR being frozen at such a high rate, the supervisor said I was sent a letter as to the reason  one ye ar ago ( which I did not recall receiving ). When I asked if he could retrieve a copy of it, he said he could not. He also offered no explanation as to why my APR has been frozen at such a high interest rate, and why it can not be adjusted downward to a lower rate based on my good credit. Meanwhile, as you can see i n the US Bank  Credit Card statements I have attached, the total interest I am being charged is going up each month, even as I pay the balance down.
Out of the blue I received a letter stating I owe this company money. I phoned to see what this matter was in regards to. After being transferred to 3 different people, I reached someone claiming to be a XXXX XXXX @ XXXX XXXX. XXXX XXXX stated I had a car repossessed in 1997. I explained to her I never had a car repossessed. She tried to find further information and stated she could not find anything. I started laughing and asked her if this was a joke. She got upset and put me on hold and never returned to the phone. 

1997 is 21 years ago and out of the blue I receive a letter. Not sure what is going on here but this is absurd and needs to be reported
On XXXX XXXX, 2017 I spoke with XXXX, XXXX, and Transunion about unauthorized inquiries placed on my credit report under the security breach they were removed and placed back on to my credit report without my knowledge
Ocwen is engaging in the prohibited practice of dual tracking while having received timely all the required documents and financial information from the borrower. 

Please see attached letter dated XX/XX/2018. 

Ocwen has failed to deliver required foreclosure protections. 

Ocwen is using faulty information in the servicing of this mortgage loan.
A few years ago I had issues with Chase, my mortgage company. I came home to a sheriff sale paper on my door. I called Chase only to find out I was XXXX payments behind! That blew my mind. I went on my bank account because I had electronic withdrawal directly to Chase, and I found my payments were sent to Chase. So I called the bank and they said the payments are marked as paid! {$10000.00} paid but Chase claimed they never received anything. And then I noticed payments had stopped being withdrawn after that. Im was not one to check my account all the time. Never received one late notice or a phone call stating I was even one payment behind. I had to get a lawyer for a modification in order to keep my house, which I had received after a long go around with Chase. Only to find out I got nailed with a {$43000.00} penalty because of the late fees, interest, etc. which would have to be paid if I were to sell my house or pay it off, on top of paying off my mortgage payments. I had struggled since then to get back on my feet. This is why I am looking for help a few years later. Nobody can tell me what happened to the {$10000.00} they " never '' received that started this nightmare in the first place. I have my bank statements stating it was paid to Chase, but my lawyer was just worried about the re modification and not helping with all the money I paid that someone received and was never accounted for. Any help would be appreciated.
I had submitted a written debt dispute letter within 30 days of notification of collection. This collection agency has continued to call multiple times a day and has refused to acknowledge my dispute in any way, and is still attempting to collect the debt without investigation.
1 ) I have sent letters to the credit reporting agencies : XXXX, Transunion, and XXXX, in XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX in regards to multiple accounts that are out of the statue of Limitations in the amounts of {$7900.00}, {$5200.00} and {$780.00}. 2 ) The companies have sent automatic been verified letter, but none of the companies have responded to my request with documentation or evidence. I have also called them multiple times with the requests to have the accounts removed. The requests were denied. 
My next step is to start a litigation again the three major credit reporting agencies.
I opened a checking account in XXXX of 2018 and was supposed to receive a {$100.00} bonus for being a new Bank of America customer. That did not happen as advertised. I met the required two {$250.00} direct deposits within 90 days and once the 90 days have passed I called to find out when would I be receiving that bonus. I was informed that they do see me applying for the {$100.00} promotion but somehow their system tracked my activity for a different promotion that required an aggregate direct deposit of {$4000.00} within 90 days. The representative seemed puzzled by this and couldnt give me an explanation. After contacting multiple departments and having me stay on the phone for over an hour and a half she simply said there is nothing she can do. Bank of America admitted it was their fault yet failed to correct their mistake and pay me the bonus they use to attract new clients. This is a true example of a bank using deceiving advertising tactics.
I had XXXX accounts with Navy Federal Credit Union. They have added XXXX to my credit reports under different account numbers. They have also re-aged these accounts.
I asked for verification of my debt via telephone, and they mailed me verification. They sent me the lease of someone named XXXX XXXX. This is not my lease, and they 've shared this person 's information with me. It 's sickening to think that my information could so easily be shared with others, too.
In  XXXX     2017  Navient was notified by the Department of Education that I am a  XXXX   XXXX   XXXX  and in school deferment status. As such, there should be no student loan deductions. Navient continued making deductions from my bank account in spite of my status. In  XXXX  and  XXXX  {$270.00} was deducted from my bank account. In  XXXX  and  XXXX  there was insufficient funds in the account so the bank charged NSF fees. To date there is a total of {$200.00} fees incurred as a result of  Navient  's actions : {$34.00} fees in  XXXX  and {$170.00} fees in  XXXX ,  2017 . I contacted Navient on  XXXX   XXXX  about the matter. A customer advocate returned my call on  XXXX   XXXX . I was told that the refund was approved on  XXXX   XXXX . In response to repeated calls following up on the matter, I was told that the refunds were being processed. I was told to submit the bank statements showing the fees that were incurred. I did as requested. On  XXXX   XXXX  I was told that the request for the refund was resubmitted and wi thin 3 to 5 b usiness days I would see the refund in my bank account. A call today,  XXXX   XXXX , I was told that the refund was on hold. The customer advocate said that she will resubmit the request for the refund.  <P/> 
Navient wrongfully continued to try to withdraw money from my bank account. Even if it was a system glitch, Navient 's   actions between  XXXX   XXXX  and  XXXX   XXXX  leaves no doubt in my mind that there is a clear lack of care for the student. There is a refusal to correct the error. Also when they found a reason to stop the process no one contacted me to let me know that there is a change from what I was last told. This lack of communication is disrespectful and lacks basic customer care.  <P/> Students need to be vigilant especially when there is direct debit in place.
I CHECKED MY CREDIT FILES AND FOUND FRAUDULENT INFORMATION I NOTIFIED THE THREE CREDIT BUREAUS AND WAS ADVISED BY THEM TO GET A POLICE REPORT I DID AND MAILED IT OFF WITH THE FRAUDULENT ACCOUNT INFORMATION. THE FRAUDULENT INFORMATION IS ( XXXX XXXX XXXX XXXX XXXX XXXX ).
On XX/XX/XXXX I was approved for the Income Base Repayment plan. Which I don't have to pay anything until The renewal which is next year, XX/XX/XXXX. I submit this paper work on XX/XX/XXXX, and was approved on XX/XX/XXXX but they still access a late for to me for XXXX. I shouldn't have a late fee because I submit my paper work before XX/XX/XXXX which would have been late at that time.
This " debt '' is for a {$40.00} bottle of Foundation ( makeup ) that was returned. Despite this being returned, XXXX still continued to charge me late fees. This whole {$120.00} is for late fees on a product that was returned!
The problem with my account is that the bank has lowered my credit limit three times in the last seven months. 
When I opened my XXXX XXXX credit card through XXXX XXXX, I was agiven a {$250.00} credit limit which quickly increased to {$800.00}. XX/XX/XXXX the bank lowered my credit limit to {$750.00}. Again in XX/XX/XXXX the bank lowered my credit limit to {$700.00}. I have consistently paid on my account at least the minimum due so my account has always been in good standing. In XX/XX/XXXX I purposely made a large payment to bering my balance down below the 50 % mark of my credit limit in an effort to increase my credit score. Once again, shortly there after the bank lowered my credit limit to {$400.00}. 
The reasoning the bank is giving me is becasue there has been a significant decrease in my credit score. Well, ... 
Frist of all I bought a new vehicle at the end of XX/XX/XXXX and because of the financing and sending the app to banks, yes my credit score dropped. However, everytime this bank runs my credit they ding my credit score as well. Not to mention by continually lowering my credit limit you have now increased my credit/debt utilization which is lowering my credit score. So guess what, my credit score keeps going down or staying the same because of the negative impact this bank has had on it. My performance with this bank has been good. I have always paid on my credit card. I just don't understand how a bank/credit card can continually negatively impact your credit score in the way this bank has done so. I have looked and verified on my credit report that this has negatively impacted my credit rating. it's stating right on the report because of decrease in credit limit and increase in credit utilization you have been negatively impacted!
I made XXXX payments in XXXX XXXX for {$7.00} and XXXX for {$410.00} both made within 24 hours of each other. WF credited my {$7.00} payment to XXXX and my {$410.00} payment to XXXX then charged me a {$25.00} late fee. I have called customer service twice and was told on XXXX XXXX that I made my {$410.00} payment too early. I have requested that the payment be applied correctly but am getting no where. I am now receiving " homeownership counseling '' letters from WF when I have never been late on this account.
I have filed a dispute with the Cfpb in regards to Kia motors falsely reporting lates on my credit report and then they remove it after reviewing my payments and then they report other payments late this is an ongoing cycle with them. this is the 3rd time this has happened and when I called Kia motors this time they say that they have gotten new payment system but I am still having the same issue. I reviewed my account history and they agree that no payments were made late but yet they just reported 3 payments as late that had been reported as current. This is becoming quite ridiculous and something needs to be done if they ca n't report accurate information. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are now reporting late but were previously reported as on time. I have not made the payments late.
I am writing to your agency in hopes you can help me with my disputes. I opened a claim on  XXXX / XXXX /  XXXX   for the charge of {$2500.00} from   XXXX   XXXX   made on  XXXX / XXXX /  XXXX   on my  XXXX  credit card and I still didnt hear from them on what happened with that. Please help me find out what was the outcome. I opened a dispute because I paid for a service that I did not receive.   XXXX   XXXX   contacted me offering me online services, I could never get any help from them or get a straight answer on what to do after they showed me some videos. I could not comprehend what was in front of me, and they did not answer any of my questions. And I dont know what happened with my  XXXX  claim. Thank you for your help.
I Got a Loan through XXXX XXXX  in XXXX, Oklahoma. I lost my job and told them that i would be late and that i did start a new job, that the date i would pay would be when i get my first full paycheck on XXXX. That i would pay any late fee, first time i ever missed a payment, they said i needed the money sooner and that they would call me everyday as much as they want until i pay them. They have called me few times ever day and my family, im at work and can't answer. Its getting ridiculous and almost to Harassment, they left voicemails saying i have to call back or go up there in person, but it's there bullying tatic once there they try to make you feel belittled and that if you don't pay right then and there they will take you to court. Was due XXXX.
I contacted Lending Tree ( XXXX XXXX ) about getting quotes for a Home Equity Loan in the state of Texas. I was assured by the privacy statement and disclosure rules that my information would be shared with up to 5 partner companies to get home equity loan offers. Instead, it turns out that none of the affiliated lenders do traditional Home Equity Loans, but every call and email I received from their partners was for a cash-out refinance, which is a completely different product. This is incredibly deceptive. My personal protected information was shared with five other parties without my consent, because I did NOT request cash-out refi quotes, I requested Home Equity Loan quotes. Every representative I spoke to on the phone was clear that their companies do n't offer Home Equity Loans or HELOCs in Texas, and that Lending Tree always sends them cases like mine knowing full well that it 's a different product.
Recovery portfolio is trying to collect a debt that is no longer valid in the state of California because of the 7 year statue of limitation.
XXXX let someone else open a credit card under my name XX/XX/2017 without any hard inquiries in advance, all of XXXX credit reporting bureau ( XXXX, TransUnion, XXXX ) are failed to inquire me about this case even despite I put 90 day fraud alerts XX/XX/2017. After I read about XXXX online, I know apparently they are infamous for doing something like this. Since they are hard to reach when it comes to inquiries regarding dispute ( no phone number provided ), I need help with disputing this account.
SPECIAL REQUEST TO CFPB : CFPB FILINGS OF XXXX, US BANK IN XXXX XXXX, I WOULD LIKE TO LINK IN TO THE FOLLOWING PLEASE : XXXX -- XXXX, XXXX, ESTATE, LEGACY AND ASSET CRIMES FILE. XXXX ID NUMBER XXXX. XXXX XXXX XXXX, MANAGER OF US BANK, ( XXXX CFPB Filings ) XXXX XXXX SHOULD BE NOTIFIED OF THIS XXXX FILE IN THIS INCORPORATION REQUEST. POSSIBLE PARTICIPATION OF XXXX COMMON ASSISTANT MANAGER EMPLOYEE, ( ACTIONS SIMILAR TO FILING XXXX, XXXX/XXXX/XXXX, a previous bank where US Bank Assistant Manager once believed to have worked ). 
Participating In A " BANDWAGON, '' BRINGING MILLIONS IN DAMAGES TO AN ESTATE AND OTHER BRINGDOWN EFFORTS WHILE ABUSING BANK AND BANK PRODUCTS. FACILITATION OF DETRIMENT AND DAMAGES, TO CAUSE FURTHER PREDICAMENT OF FUNDS BEING LOW THROUGH XXXX US BANK REASONS FOR CFPB FILING ACTIONS.
The basis for this complaint is discrimination based on ethnicity of business owner and size of business. On XX/XX/XXXX, I open a third business checking account with CHASE BANK. The purpose of the account was to separate funds used in our business for better allocation. The teller who work with seem to have problem opening the account ( I dismissed it XXXX. The account was open and was funded. ON XX/XX/2018, I was notified by my local Chase  branch at XXXX XXXX XXXX, XXXX # XXXX. That my newly open business account was being restricted or closed. The closure was due to the office space that I lease being consider by Chase : a virtual office space. '' The building has a physical address, and I have a physical suite inside of the building. In addition I have two other accounts with this institution that are attached to the same address, receiving mail at the same location. All of my accounts are in good standing. On XX/XX/2018. I provide the bank with the intelligent/virtual office documents stating that I lease space inside of the building. However the bank response was because they : XXXX IT '' that they are considering the space a virtual office. In addition they refer me to my local branch. I have spoken with the local manager, who has tried calling the compliance office, and can not get a direct answer. At this point, the local branch assistant manager, nor I have been able to get any direct answer, or even speak with someone in the department that is making the decision. We have tried calling several departments. There is nothing in the documents when I open the account stating that a lease office space is an unacceptable location for an office. Based on other accounts open with the bank, I am lead to believe that there is some form of discrimination at this point, being that I can not get a straight reasonable answer as to why my lease office work space is not acceptable to the bank. My lease agreement according to state law, has valid terms, outlines a payment, the suite location and has a beginning and end date.
We requested to our mortgage company to remove the PMI. They stated that a letter would be sent once the request was processed. Two weeks later, we followed up and were told the same thing. Another few weeks pass, and after another follow up, we are told letter will be sent. Finally, after 4 weeks a letter arrives stating that our request was denied due to XXXX late payment, and a new request can be made after 1 year. 
So, one year later and no late payments we make a new request to remove the PMI. After 1.5 weeks, we receive a letter denying our request, and no specific reason is stated. Rather a supplemental document is attached outlining the investors guidelines. 
This mortgage company is basing the current LTV on an appraisal done 2+ years ago. They are not allowing us to reappraise the home so that the current LTV can be generated and considered.
Tranunion refuses to investigation my dispute of wrong balances and/or dates of collection items. They gave me no proof that they even tried to investigate!!!!!
I have received multiple calls from this collection agency for someone else. I 've told the representative repeatedly that they have the wrong number. The rep continues to argue with about this being the first time that they 've called. 

Today the same thing happened only this time I was called a XXXX by the collection agency representative. I hung up the phone and called back and spoke with a supervisor. I was told that the they listened to the call and the rep would be reprimanded and my phone number would be removed from the call list.
My mortgage holder was Citycorp XXXX On XXXX XXXX XXXX my wife XXXX XXXX, ( aka XXXX XXXX XXXX Acct # XXXX ) died of XXXX XXXX. XXXX and I ( XXXX XXXX XXXX XXXX ) owned a property in Joint Tenancy, XXXX XXXX XXXX XXXX # XXXX, XXXX, and Ca XXXX. Citicorp owned the loan XXXX # XXXX XXXX. 
As early as XXXX XXXX I contacted Citicorp to insure the loan stay in good standing and we corresponded about this item. I was asked to supply to Citicorp the followings : Death Certificate, Marriage certificate copy of the current Deed, and Probate Status N/A. 
I comlp1ed to all with a letter explaining there was no probate because the assets did not merit a need for probate. The main asset was the real property, and it was in joint tenancy so it automatically escheated to me. 
I did this several times, each time the person on the phone said they did not receive the material. When I did not hear from Citicorp XXXX ) # XXXX, XXXX XXXX XXXX XXXX I opened an auto bill paying account to make bi-monthly payments of approximately {$560.00} through my Bank XXXX XXXX. 
Payments have been continually sense that time. 
Recently on XXXX XXXX XXXX I received a notice posted on the door to contact XXXX XXXX XXXX XXXX. Upon contacting XXXX XXXX I found the Citicorp loan had been sold to them in XXXX XXXX. I was also told the loan was in default, and going to foreclosure by the end of the month. 
I was angered because I had been making payments as agreed. I was also angered because I never received a notice of transfer to another entity even though Citicorp XXXX XXXX had my phone number correspondence. 
Meanwhile I have been making payments all along, and in the rears {$13000.00}. 
WHERE DID THE MONEY GO? XXXX said they do n't have it. XXXX XXXX says they sent it to Citicorp XXXX, and have provided documentation showing payments going back 18 months. I would like my money NOW! I 'm out over {$13000.00} I am faxing you the following : Marriage Certificate Death Certificate Grant Deed ( XXXX XXXX to XXXX XXXX and XXXX XXXX Joint tenants ) Affidavit of Death of Joint Tenant Grant Deed ( XXXX XXXX XXXX to XXXX XXXX XXXX and XXXX XXXX Joint tenants ) Old fax Cover Written Communication between Citimortgage and XXXX XXXX XXXX XXXX & XXXX Property Profile Payment, Amount & Date Plus Internet Verification of Payments from XXXX XXXX Partial Hopefully we can settle this without litigation. It seems so simple, money sent to you what did you do with the money?
I bought my condo in 2007 at the height of the market. At the time, the builder was offering a special through their preferred lender XXXX Loans. I believe that I was a victim of fraudulent and deceptive practices because at the time I was advised to take out a first and second loan ( XXXX with a 10 % down down payment ). XXXX was onsite at the builder and they disclosed the terms of the first mortgage which were very attractive at the time XXXX 5.5 % XXXX but I was told that their " printer was broken '' and they did not disclose the terms of the second loan, which were very unfair ( 9 % interest with a XXXX balloon ) and well above market stadards at the time. I belive that XXXX was predatory and intentionally withheld the information about the second mortgage. 

Since then, my XXXX loan was acquired by XXXX XXXX XXXX and then Nationstar. I have called many times and spent countless hours trying to resolve this loan. They blame XXXX and do not accept my assertion that by acquiring my loan they also acquired responsibility for XXXX 's fraudulent, unfair, and deceptive tactics. They refuse to help me unless I stop making payments and/or until the 15-year balloon is up and I ca n't pay off the loan. 

I have also tried to refinance the second loan, but the condo is still ( after almost 10 years XXXX too underwater. I have struggled and managed to maintain the loan, but with a 9 % interest rate I can not pay down the loan fast enough to make a dent in the principle and will be in major trouble when the balance is due at the 15-year mark. I do not anticipate having enough equity given the slow recovery of these condos which were all built in 2007 and have mostly been acquired at a much lower price than I through through foreclosures and short sales. Also, the builder and HOA are in litigation that inhibits sales and have been for years.