WillisBack/dataset-financial-user-claim huggingface dataset:
Fifth Third Bank has lowered my credit limit creating a large point score loss because the balance to high credit ratio has gone over 80 %. I opened this account earlier this year. At that time the banker told me my credit score was XXXX. Fifth third ran a retrospective analysis ( I will discuss this in a moment ) that showed my new score XXXX points higher. They lowered my limit. I have never missed a payment with them. 
I worked in middle management with XXXX XXXX and XXXX. I hired XXXX XXXX to build a point score for my company BEFORE they built the ones for the Bureaus in XXXX. I know the scoring system. A retrospective analysis allows them to run their portfolio against the data base to see major changes in payment activity and score reductions and change limits accordingly. MY SCORE WENT UP. 
They were the ones giving me a notice that my score is now XXXX on the letter indicating the reduction in limit. This action has lowered my score to the XXXX. In other words, through no missed payments with this company, they have now subjected me to higher interest rates on loans, potential credit line reduction at other companies and continued score drop. 

I will be suing Fifth Third for this theft of my funds and hardship they have put on me even though I have lived up to my agreement with them.
MONEYGRAM FAILED TO FURNISH ALL DISCLOSURES REGARDING INVESTIGATION REQUESTED FROM XX/XX/XXXX-XX/XX/XXXX. WE ACCIDENTLEY PAID XXXX XXXX XXXX FRAUD INDUCED WIRE TRANSFER TO REC CODEXXXX BETWWEN XX/XX/XXXX-XX/XX/XXXX.
XXXX, experian and XXXX keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail.
This is a continuation of my Petition against XXXX XXXX. Trustee for XXXX XXXX XXXX XXXX c/o Caliber Home Loans , Inc . 

Caliber Home Loans has harassed me since XX/XX/XXXX regarding the XXXX XXXX Mortgage which was disputed and closed. I have told Caliber Home Loans , Inc. that I never had a contract with them and that my XXXX XXXX was not transferred and/or assigned per regulations. In XX/XX/XXXX Federal Court found that all violated RESPA, FDCRA, TILA and settlement class received money and a do not contract with any of the above. 

However while this litigation was happening in Federal District Court in New Jersey, XXXX Caliber was harassing me to pay or set up a modification and I would not, stating I did not have a contract with them. Caliber, XXXX XXXX XXXX  and XXXX are all intertwine and committed real estate fraud. THE CLASS ACTION SUIT FILED BY XXXX, XXXX AND XXXX XXXX ON BELHALF OF THEMSELVES AND THE CLASS MEMBERS AGAINST CALIBER HOME LOANS , INC. ; XXXX XXXX  XXXX XXXX XXXX, AS TRUSTEE OF XXXX XXXX XXXX XXXX  CAUSE NO. XXXX CAUSE NO. XXXX addresses all the issues of the violations that made any contact made to the class, which I am, should be reimbursed money or not liable for any property, loans or liens. The boldness of litigating in federal court and harassing me to modified when Caliber acknowledged all the violations. 
There were 5 causes of actions with sanctions attached to each. The foreclosure on my home is fraudulent and should be protected by the Homestead Protection Act since the suit to foreclose is a fraud.
I had a car loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX The loan was opened in XX/XX/XXXX and the car was repoed in XX/XX/XXXX since then they still have the account as open and late payments reported on my credit every month for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand now XX/XX/XXXXI have called them and asked them to close the account and take the late payments off from the time they took the vehicle back. I have disputed on credit report but the come back saying the information is accurate but it is not.
I have been working with Barclay Bank Delaware, XXXX XXXX and XXXX on a credit card account that was initially all issued by XXXX XXXX. XXXX XXXX sold off the credit card account to Barclay Bank Delaware. XXXX is in the mix only because XXXX XXXX transferred student loan to XXXX and the rewards program for the credit card directly credit the student loans. <P/>XXXX XXXX sold off the credit card account to Barclay Bank some years ago and the rewards program stayed mostly the same. Rewards were able to be credited to a specific student loan not to the whole overall account with several loans. Also rewards could were earned at roughly the same rates. In XXXXX 2017  Barclay and XXXX XXXX shut down the rewards program and forced me into a rewards program that has less than half the capability of rewards and removes the ability to credit rewards to a specific loan. I demanded to see the original contract I signed with XXXX XXXX and Barclay can not produce it. HOW DO YOU RUN A CREDIT CARD ACCOUNT WITHOUT HAVING THE ORIGINAL CONTRACT? <P/>What it comes down to is that Barclay will not honor the original contract with XXXX XXXX, Barclay will not honor their assurances that a customer can credit rewards to a specific student loan, and Barclay will not honor their assurances that a customer can apply rewards to the principle of a loan. This is a thoroughly disreputable organization and I will take my complaints every direction I can.
this is the same complaint ive been complaining about and since my wages will be garnished I will have to file Chapter XXXX ... in XXXX a XXXX dollar line of credit with XXXX then sold to XXXX XXXX went into default due to a termination of my job thru no fault of my own ... I told my boss about my XXXX and he began taking work away from me and giving it to less skilled workers ... with that XXXX and this issue is adding unneccesary stress in my life ... at that time of turmoil with no money and house payments and truck payments and pets and other bills and food XXXX XXXX reps were calling me harassing me telling me the sheriff will be at my house soon to take my house and that i will go to jail ... they called me at off hours and i was an emotional wreck and they didnt help ... .I didnt find substantial employment until XXXX and i had to pay family friends and other things back ... so in XXXX lvnv on behalf of XXXX XXXX has the courts issue me a summons ... XXXX XXXX was bought out by XXXX in XXXX of XXXX so why is a bottom feeder who buys debts for pennies on a dollar representing XXXX XXXX sueing me when they dont even own the debt? i answered the summons i got in XXXX pro se which i have a right to do and requesated proof of debt, ownership of debt and how much the debt was actually bought for ... I hear nothing back so i figured the issue was mute. I got another XXXX in XXXX and believed it to be a scam from lvnv funding to get money from me so I ignored it. then i get a court ordered wage garnishment. I responded to the courts and explained that i thought it was a scam and again requested proof and also to vacate the judgement as it would incure an financila hardship. I heard nothing back from the courts. I contacted the nys attorney generals office, the garnishment from XXXX stopped. Then they started again last XXXX. Then they stopped and now theyre starting again. The original amount was XXXX dollars, now its well over XXXX. The account went into default in XXXX that would make it past the statute of limitations. I am not going to pay them this amount of money especially when they bought the debt for less than XXXX. I will file chapter XXXX.
I have been named executor of an estate. The lender, XXXX was informed immediately that the mortgage holder had died. This was in XX/XX/XXXX and I got the paperwork to them by XX/XX/XXXX. I was assured the loan would not be placed for collections. Of course, this happened in XXXX and I had to deal with the new company, Seterus for mortgage payment information. 
This was a nightmare and started out with Seterus refusing to let me know how I could get the balance to put the loan current. The initial individual tried to ask me how much I thought was owed and wanted it sent immediately. After XXXX week I finally had an answer and brought the mortgage current. The home was rapidly sold in XXXX and I again was called upon by the escrow company to try to reason with Seterus. The escrow company sent the normal demand for a pay-off and Seterus then refused to supply the information, causing undo stress for the closure date of XX/XX/XXXX. The person on the telephone said there were thousands of calls for pay-offs and we would have to get in line to get the final settlement numbers. She also said I could not speak to a supervisor about this although she did admit the original demand letter was there. The escrow company waited over the week-end and did get the payoff numbers but were shocked that I had to deal with this instead of them.
On XX/XX/18 I filed a dispute in regards to several incorrect items that were on my credit report. Most of the items have already been corrected. However, the erroneous collection from XXXX XXXX XXXX for {$9600.00} has yet to be removed from my XXXX report. I have had no business dealings with this company, nor have I signed a lease or any type of rental agreement with this company. I have already contacted XXXX   and XXXX about this matter and after their investigations they both found that the record was invalid and removed the collection from my record. On XX/XX/18 I received a letter from them stating that they can't sue me because the account in question is too old. I have called XXXX on multiple occasions disputing the collection. I also sent them a certified letter stating the same. I am in the process of purchasing a house and this is the only thing holding it up. It would be greatly appreciated if you could look into this matter and get this closed, so I can get it removed from my report. Thanks so much for your help and I hope you have a great day
I asked Wells Fargo to cancel a savings accounts that I did n't need. They were created after they automatically changed a savings account to a checking account. They converted my unwanted checking account back to a savings account. However, they also created another savings account at the same time. So I now have XXXX savings accounts that I do not want. XXXX is a business savings account. I went into a bank branch and asked them to remove the accounts and they said they did. I still have all of the accounts several months later.
XXXX  XXXX - Regarding two ( 2 ) different accounts ending in XXXX & XXXX. Both accounts were opened XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XXXX. However, XXXX XXXX, re-aged the debt and reported it as if the debt was charged off in XXXX. This detriment to my credit report for this illegal act was a total loss of 71 points. 

XXXX XXXX/XXXX account # XXXX is also is in violation of re-aging the debt as well. The account was charged off in XXXX. The detriment to my credit report for this illegal act was a total loss of 71. 

See exhibits.
Transworld System , Inc., representing XXXX XXXX XXXX XXXX XXXX ( XXXX ) has been receiving payments on a debt via tax return offset since 2014 ; and receiving monthly payments via garnishment from social security benefits ( 10 %, {$110.00} ), and payroll garnishments. However, monthly statements do not reflect any payments from the above mention streams, and do not reflect a reduction in the debt balance. Where are these payments? When contacted, both entities, each stating, verbally and in writing, that no payments have been received. However, I have received notices from the Department of the Treasury that payment interceptions have been made.
XXXX XXXX XXXX was contacted on XX/XX/XXXX by certified mail about a settlement on an old credit card debt ( delinquency began XX/XX/2015 ), that Midland purchased from XXXX XXXX.

They have NOT contacted me by mail or e-mail-which I requested to discuss settling this debt.

Midland has sent a negative inquiry to the Credit Reporting Agencies TWICE in the last 21 days on this debt.

I have filed 2 complaints about Midland 's lack of response to my request for a settlement of this debt.

Midland 's response seems to be a malicious attempt to destroy my credit, when I am simply requesting a dialogue from them about a settlement.
I have been disputing several accounts with Equifax for quite some time. Every time I receive the results by mail, the item comes back as " verified '' with absolutely no proof of verification. No proof of contract or any signed documents at all. In my letters to the CRA I request physical proof of verification, while providing proof of my identity. Not a bill but something with my signature attached. According to section 609 of the FCRA, the credit reporting agencies are REQUIRED to provide proof of verification, proof that the accounts belongs to me. If they are not able to provide this then they SHALL delete the accounts from my credit report. The guidelines provided by FCRA are clear. This shows that Equifax is violating my rights under this law. I sent out two separate letters to Equifax and tracked delivery for confirmation that they received my dispute. Attached Is a blank copy of the letter I sent. 
The disputed items are as follows : - XXXX XXXX opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Collection account : XXXX XXXX XXXX # XXXX
Hi, FCO ( Fair Collections & Outsourcing , Inc ) has reported a collection of {$1100.00} on my credit history which is incorrect. It is done without investigating the claim properly and without providing me proper documents requested by me in this matter. I have sent them multiple email and called them several time without proper response from them. I have informed them multiple time that I do n't owe any debt to XXXX XXXX XXXX. 

FCO was not able to provide me the copy of the original utility Bills as XXXX XXXX XXXX was asking me to pay more for the Gas compared to the original Gas Bill. So, I asked them to provide me a copy of all the utility Bills starting XXXX XXXX. I have sent multiple emails to XXXX XXXX XXXX & FCO in this regard since XXXX XXXX and they were not able to provide these bills. 

I also registered a complaint regarding this with XXXX and both the companies were not able to respond to that complaint. 

Issues : -- -- -- -- -- - 1 ) When I moved into the apartment, My rent was calculated on Pro rate basis for the duration of stay but when I left the apartment the company is saying that they will not prorate my stay. There is no such clause in the lease agreement. They have already forfeited the security deposit for one and half month of rent. No proper response or reason from the company on this. 

2 ) During the stay the company charged me for room heating even when the heaters/Gas was switched off in summer season. I have complained about this multiple time and my account was not adjusted/corrected. ( a copy of multiple emails attached ). I have been requesting XXXX XXXX to provide me a copy of the original Utility Bills from long time and they are not able to provide it. the difference for XXXX month where they adjusted was approximately XXXX % so XXXX XXXX should refund me XXXX % of the Gas utility bills in case they are not able to provide correct Utility Bills from the Utility Company. 

3 ) The collection company FCO is not investigating the case even after I disputed this. They are not even providing the required information & documents. Without responding to my emails and resolving the disputes they have got this collection account added to my credit reports which is harassment of a normal person just to serve the interest of their client. I have also called them on the number provided and they never pickup the phone. I have also left so many voice mails and without any response from Fair Collections & Outsourcing , Inc. ( Some of the emails attached. ). 

Please let me know in case you need any additional details from me. I have attached some of the communications where I raised my concerns and neither XXXX XXXX XXXX nor Fair Collections & Outsourcing , Inc. ( FCO ) was able to provide proper response. 

Thanks XXXX XXXX
I applied for a personal loan with a company called XXXX XXXX I am XXXX and have been struggling since XX/XX/2009. This company did not ask me if I wanted the life insurance and they charged me XXXX to insure my items i Used for collateral. The life insurance was XXXX The person in the office really did not go over this information with me. I called the company the next day and told them I had life insurance and my agent who handles my property insurance said my collateral items were covered under my home owners policy. I do not need this services.I have recently wrote a letter to the office asking them to remove these charges. They have not yet. People like myself who has a disable nag condition lose our jobs our health insurance and end up going bankrupt. Prior to this I had excellent credit. These lending companies charge outrageous interest then they add the insurance to your loan and you pay interest on this also. They have reported to the credit bureau that I have a loan for over 6,000. I borrowed XXXX.
I dispute a Bankruptcy Dismissed chapter XXXX asking them to provide me with the actual proof that they can report this account on my credit report file. I didnt received the actually proof. When calling in the CSR told me that they verified my item from the courthouse but I revived a letter online with the above confirmation number that they used to invesigate the dispute and it was verified by XXXX which I know is not true is because I have a security freeze on my account with the and they are not given out any information on my behalf. So I would like to know how they verfied this with the company. This item need to be removed asap
My name is XXXX XXXX, I reside at XXXX XXXX XXXX, XXXX XXXX CA XXXX my family and I have been living here for many years. 
I want to file a complaint against Bank of America for violating the California Homeowner Bill Of Richts_Restriction on dual track foreclosure It became into Law on XXXX XXXX I was astonished in shock when I got a call on Friday XXXX XXXX, XXXX from a stranger notifying me that the house was SOLD the day before on Thursday XXXX XXXX. I advised the person on the phone that it was impossible because I was on a modification review with Bank of America Modification department and I had not received any letters of the denial on my modification review. My loan is a XXXX XXXX XXXX XXXX Loan a government entity this is unreliable I am a Veteran of the XXXX and I have been struggling with a XXXX make it impossible to continue to work I had to take an early retirement due to my XXXX. My income then dropped and I call Bank of America to requested help with my mortgage payment Bank of America agents advised me to STOP making my mortgage payments it was the only way they could help me and I follow their instruction they would help me with a modification under the ( HAMP ) Making Home Affordable program .I have been faxing all requested documents for a long time modification packages one after the other. I had a package submitted under review at the time of the AUCTION on my home. 
Bank of America is deceitful, shady, the method they have used to process my loan modification is dishonest after I was assured I would be eligible for the Making Home Affordable program if I followed their instructions and I did. 


I strongly believe Bank of America is not in compliance with the government standards and codes, especially with the California Homeowners Bill of Right on the Dual Tracking therefore I ask that you apply your regulatory authority and re-evaluate Bank of America policies and their process of assisting home owners with the modification under the Making Home Affordable ( HAMP ) program It is my believe their underlying guide lines contains misrepresentations, deception and violation of The Truth In Lending Act - TILA. This federal law was enacted in XXXX with the intention of protecting consumers in their dealings with lenders and creditors. 

I consider Bank of America to be deceitful, fake, unprofessional their lies and lack of willingness to assist home owners in times of crisis and desperation ; They should not be allowed to SERVICE XXXX XXXX XXXX XXXX XXXX. I evaluate them to be a poor customer caring SERVICER. Bank of America has demonstrated we are insignificant to them no customer value or respected toward Veterans or the homeowners at all.
I have a paid lean on my credit profile and it is more than 7 years old. The lean has a paid status. However on several occasions letters were written to the credit bureaus for the removal of the negative reporting. I also obtained documentation From the IRS showing the lean is paid in full and that is what was requested by the credit bureaus. The deragatory remark is still present on my credit profile, I would like to have the negative information removed from my XXXX and TRansUnion credit profiles.
I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX   has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XXXX of XX/XX/XXXX they would report all four student loans as an immediate 90-days late, then 120-days late for two months, then back to paid on time. Then once again starting in XXXX  of XX/XX/XXXX they would report all loans as 90-days late, all the way up to 180-days late, then a paid on time rating. Now starting in XXXX  XX/XX/XXXX they once again report all loans as 90-days late up to 120-days late, then back to paid on time. At no time is there ever a 30-days late or 60-days late. XXXX XXXX XXXX is destroying my credit history, even though I make my payments on time every month. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, XXXX of Massachusetts next. I need my payment history fixed immediately!!!