WillisBack/dataset-financial-user-claim huggingface dataset:
I have paid my bills on time and have a good relationship with my creditors. However, my new Walmart Credit Card issued by Synchrony Bank lowered my available credit by 33 % in less than 30 days with little or no warning until a letter was mailed explaining the reduction after the fact. A reduction of my available credit has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit account.
Equifax is reporting a tax lien on my credit report from XX/XX/XXXX that was included in my bankruptcy that was filed XX/XX/XXXX and discharged XX/XX/XXXX ( reference # XXXX ). I am no longer responsible for this debt and it has been removed from public record ; however, Equifax refuses to remove this erroneous item from my credit report.
this company does not own the dept they attempt to collect they have no rtights as they have not purchased this debt HWarfield XXXX
I have a loan with One Main Financial. I had a payment that became due near the end of XX/XX/XXXX, which Im not disputing. What has become stressful is the repeated number of calls I get per day on a debt that is not even 15 days past due. Im not sure if they are considered a debt collector as defined by the FDCPA, but most companies follow the spirit of the FDCPA even if they arent considered true debt collectors. Over the past 3 days ( XX/XX/18 - XX/XX/18 ), Ive received no fewer than 15 phone calls from this institution and at least 4 different voice mails. And although I cant be 100 % sure, Im fairly certain that they are calling me from numbers not associated with the organization, like a personal cell phone or similar. 

I understand that credit institutions have an obligation and a right to contact borrowers when a debt is owed, however the call tactics from One Main is nothing short of harrassment. So much so that I have been researching possible legal options, including class action alternatives. And thats typically not my style. 

Im not asking for anything except some reasonableness when it comes to their call campaigns.
Unverified late payments listed on my Wells Fargo Student loan - I was still in school and payments should have been deferred but the loan was sold. I was not late! I was in school!!
I am not quite sure if these companies are following proper reporting protocol ; if so I apologize for this complaint. However, two companies are reporting the same debt for XXXX accounts on my report. XXXX Bank was the original creditor for both accounts ( XXXX XXXX XXXX and XXXX XXXX ) and they were both sold to a collection agency called Portfolio Recovery Associates. Both companies are now reporting the debts. I feel that this is lowering my score even more. I understand that it is a collection and I have no problem with that. I just want to know why both are reporting and not just the collection agency as I have had happen in the past. I feel like this is making it look like my debt to income ratio is worse than it actually is. Thank you for your help with this matter.
on XXXX/XXXX/2015, I filed an dispute with Portfolio Recovery Associates , LLC. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised Portfolio Recovery Associates to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised Portfolio Recovery Associates that not complying wit the FDCPA will put their company in a bad position with the CFPB. Portfolio Recovery Associates never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .Portfolio Recovery Associates sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.
I got a loan from castle pay day loan, at time I recived the loan I was given a quote of XXXX dollars for a loan of XXXX they have taken XXXX dollars out of my account 3 times, iam assuming the loan is paid off, .When I looked at the account its stating I still have a balance of XXXX called them they tell me I still owe XXXX .This will be XXXX for XXXX loan at the time when I reuested the loan I changed my mind, an did not tell them to send it, 2weeks later it was in my acc.So I figured ill keep it an pay it off but now they are trying to get triple of what they quoted me. I need help..
I received a letter at my work address from Chase Cardmember Service dated XXXX XXXX, 2016 concerning a request for my attorneys address for an account ending in XXXX. I have not had a Chase credit for years.
I reported this debt twice with the credit bureau and both times the company responded that they were reporting the debt correctly. The second time I submitted a copy of my bank statement showing the money was deducted from my account on XXXX XXXX, 2017 but they are still reporting unpaid.
XX/XX/2012 I called about the validity of the debt after being served with summons. I had insurance at the time thought it was a billing issue. Requested information from the DCI regarding the bill. Dates and type of service. I never received any. I've not heard from them since XX/XX/2012, I thought this was a billing issue and it was resolved. I received a garnishment in the mail last week and called dci to figure out what was going on. She insisted that they had been working the case but stated the last time they tried to contact me was XX/XX/2012. I called the hospital but the record is so old they cant access it anymore. I called back to dci after calling the insurance company to verify the billing which was never provided in XX/XX/2012 as requested. She would not take 2 payments of {$350.00} to satisfy the judgement, even offered to give her my card number to run on two paydays. I called the attorney listed on the paperwork to resolve the issue but they transferred me back to dci. This seems like a complete violation, even their log states that I requested documentation of the unpaid bill.
My complaint may not fit the category that I chose. 

I recently took out a consumer loan XXXX XXXX XXXX. It has since been reported to the credit bureau 's. I 'm currently using the app XXXX XXXX, to monitor my credit because of the Equifax hack, and it 's reporting my credit score with Equifax has dropped XXXX points, bringing my score under XXXX. I contacted Equifax and they can not tell me over the phone what my score is. I have to pay {$8.00} to have it mailed to me. They also said XXXX XXXX gets their reporting information from a different source then where they do. 
But per the XXXX XXXX website it states that they do n't calculate scores, the score is provided directly from Equifax. So someone is providing false information. 

I want to know why my score dropped XXXX points. I expected my score to go down but not by that much.
This is not a valid debt, and Diversified Consultants , Inc did not investigate nor give me an answer to valid this debt, but took the easy route and placed it on my credit report instead of investigating the validity of account before the date of the letter prior to placing this bogas debt on my credit. This is a bogus claim from XXXX XXXX XXXX. I have been making attempts to contact this collection agency withing the 30 day time frame to find out why are they contacting me with a debt to collect with incorrect information and wrong amount of what is owed to XXXX XXXX XXXX reporting the incorrect amount ; When in fact I notified the company to fix the problem to terminate service and adjust my bill which never was completed.. Each month they would overcharge me, so I terminated services and retained a new phone service but XXXX still billed me for over three months.This is NOT my bill and will not pay it. I 've sent correspondence to the collection agency and they went behind my back with the incorrect amount of bill and placed it on my credit report before the 30 days for them to answer my dispute was done. I want this off my credit report at once! Have Diversified Consultants , Inc confirm the true amount of debt and remove off my credit report at once.
In XX/XX/XXXX I bought a XXXX XXXX through Suntrust Bank. In XX/XX/XXXX my account fell behind. I lost my job and I was unemployed for an extended period of time. The car was repossessed in XX/XX/XXXX. This is still being reported on my credit report. On XX/XX/XXXX I filed a dispute with XXXX. They immediately re-reported the debt even though the timeframe is over 7 years. This debt should n't be being reported since the time frame is past the legally allowed timeframe.
In XX/XX/XXXX I lost my job. We continued to make our house payment until our savings ran out, while I desperately searched for a job. We went to our lender for help but could not get any. When a trustee sale was posted for XX/XX/XXXX we hired the XXXX XXXX XXXX to assist us in trying to get a loan modification. Both my husband and I are now working full time and we have very good income. The XXXX XXXX XXXX submitted the loan modification package on XX/XX/XXXX and the sale was postponed and placed on hold. On XX/XX/XXXX Ocwen denied our loan modification request stating that we did not make enough money to qualify. Ocwen calculated our income incorrectly at {$11000.00} a month. Our actual income is {$13000.00} a month. The denial letter also stated that the owner of our loan, XXXX XXXX, would not do any principal reductions. The XXXX XXXX XXXX appealed the denial in a letter that was sent to Ocwen on XX/XX/XXXX. In the appeal letter they disputed the income and also attached a copy of a loan modification they had received for another client with the same owner, XXXX XXXX, that offered a principal reduction. On XX/XX/XXXX Ocwen denied the appeal and stuck by their original reason for denial. The letter also stated that the only way that they could do the modification is if we could qualify for a payment of {$8200.00}. There were no other details such as rate, term or principal balance. There is no way we can make this payment. Our interest rate is very high at 6 %. Our principal balance is now at {$1000000.00} because of past due payments but the house is only worth {$850000.00}. We do not want to lose our home! Any help would be greatly appreciated.
I opened a XXXX XXXX account with XXXX on XX/XX/XXXX and enrolled in their XXXX debt cancellation program. Under this program my debit up to {$10000.00} will be cancel if I remain Unemployed for more than 180 Days. I remained unemployed for more than two years. 
This collection Agency reporting wrong date of account opened ( XX/XX/XXXX instead of XX/XX/XXXX ) and still trying to collect this debit.
PLEASE NOTE : ITS A NEW COMPLAIN. ANOTHER FALSE CLAIM AND PRACTICE I HAVE MET ALL REQUIREMENT AND WAS OWED CREDIT-YET CAPITAL ONE BANK HAS REFUSED TO HOLD THIER END OF THE DEAL. WHICH IS TO SEND MONTHLY BILLING STATEMENT. 
Another false claim!!!! I do not owe late payment or month ( s ) of an unpaid debt. Capital One Bank could not and can not claim that the credit was applied to my XXXX payment as I did pay {$160.00} for XXXX, and paid another {$160.00} for XXXX. If this bank claims that they credited me with {$170.00} in XXXX, then my payment made for {$160.00} in the same month should have gone to XXXX payment. And {$160.00} paid in XXXX should be for XXXX and the payment I made in XXXX should then be used to pay for XXXX. 

on the year to date payment statement they sent even contradicts their claim. where was my payment for XXXX that I personally sent in????? This company keeps fabricating a bunch of lies and continues to pretend that they are unaware that i am not in active bankruptcy. If they truly believe that I am in active bankruptcy, then why does this same bank violet my rights and the bankruptcy laws by sending me a bill every month on another account that I have with them. Would the bank also claim oversight an that too???? This bank needs to credit my account correctly and resume my monthly billing statements as I have met their agreement with me twice. 

Furthermore, the bank needs to send me a statement of all money received and interest charge on the loan for tax purposes.
I'm asking/alerting  XXXX of Chase Bank to look into my concerns, and asking him to know what XXXX said he did not know was happening at XXXX Bank. I am XXXX of XXXX Social Security recipients, XXXX years old ( $1,133.00 ), per month' this is income per month. since I transferred my account from, "a,  "no branch bank", who promised free checking/checks, (Chase charges XXXX, to issues XXXX blank checks on my account.  A XXXX year old is not suitable for a, "no branch bank".  It is more suitable for a young high tech customer. This no branch bank, also allowed many bogus charges on my account to no avail since I could not personally explain the mistakes, wrongful charges on my account.  I went to Chase.....However while it may have been explained to me,there are hundreds, if not $thousands of dollars of overdraft fees each, XXXX approximately.  in some instances, (the no branch bank did not do this), example, I charged a XXXX for XXXX coffee that the card allowed. It resulted in another XXXX overdraft fee.The employees of the branches are very sympathetic but have said "XXXX we would reverse these overdrafts but we are not permitted to so, (i.e. XXXX),   I am asking both XXXX and the CPFB to review overdraft charges that I'm confsed about how I got, that have reduced my very precious, minimal XXXX, I deposit into the Chase account.  Does XXXX know that XXXX social security recipients are confused and afraid and embarrassed about this; yet the overdrafts amount to more than a third of our monthly monies.  Can you ask XXXX if he knows about us XXXX customers that he has that are so unable to be helped since Chase has prohibited the branch employees to protect our monies.  Unless and until this is researched, and hopefully redressed, (adjusted, I would like to see this resolved before I become XXXX of XXXX Social Security customers that will also complain to Senator XXXX and will investigate Chase Bank and asking XXXX to audit my social security direct deposit account. this is very frightening.
XXXX XXXX is listed as a debt collector on my credit report. I have no idea what debt is being reported. I do not owe anything to XXXX and have not received a debt validation notice.
I requested that Equifax address specific questions about an investigation they claim they made. The complaint is about Equifax Credit Bureau not adhering to my request to remove specific information erroneously recorded on my credit report. Equifax Credit Bureau was served a final notice and still has not submitted the answers to my questions about their investigation. This bureau has refused to remove all account information I have been disputing for a year now. 

I specifically requested the following information from Equifax : What certification/certified documents were received to conclude the investigation? I specifically asked for a complete copy of all information that was transmitted to the furnisher as part of the investigation. I also wanted to know who they spoke to ... 
What was the date? 
What was their position? 
What number did they call? 
What is the name of Equifax employee who spoke directly to the creditor ( s )?
What is the position of this employee that spoke to the creditor ( s )? 
What is your position to the employee? 

I have listed below the companies/accounts Equifax continues to record. Please see attachments for each letter sent to Equifax about my complaint/dispute. 

XXXX/XXXX Loan Type : Charge Account XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX XXXX/XXXX XXXX Loan Type : Charge Account Industry : XXXX XXXX Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX XXXX XXXX Loan Type : Revolving Industry : XXXX XXXX XXXX XXXX.
Open Date :XX/XX/XXXX Status Date :XX/XX/XXXX XXXX XXXX XXXX  XXXX Loan Type : Revolving Industry : XXXX XXXX XXXX  XXXX.
Open Date : XX/XX/XXXX Status Date : XX/XX/XXXXXXXX  XXXX XXXX XXXX Loan Type : Veteran 's Administration Real Estate Mortgage Industry : Mortgage Companies Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX  XXXX Loan Type : Conventional Real Estate Mortgage Industry : Mortgage Open Date : XX/XX/XXXX Status Date : XX/XX/XXXXAcct # XXXX XXXX XXXX XXXX XXXX  Loan Type : XXXX XXXX XXXX : Credit Unions Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX XXXX XXXX Loan Type : Unsecured Industry : Miscellaneous Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX XXXX XXXX XXXX Loan Type : Installment Industry : Personals Loan Companies Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX Acct # XXXX XXXX/XXXX Loan Loan Type : Auto Industry : XXXX XXXX Open Date : XX/XX/XXXX Status Date :XX/XX/XXXX Addresses : XXXX0 XXXX XXXX XXXX XXXX XXXX  GA, XXXX Reported onXX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX GA, XXXX Reported on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA, XXXX Reported on XX/XX/XXXX XXXX XXXX  XXXXr XXXX XXXX GA, XXXX Reported onXX/XX/XXXX Former Names : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX  Date Assigned : XX/XX/XXXX Acct # XXXX XXXX  XXXX XXXX Original Lender : XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Acct # XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Date Assigned :XX/XX/XXXX Acct # XXXX Type : Bankruptcy Court number : XXXX Case Number : XXXX Date Filed : XX/XX/XXXX Status : XXXX/XXXX XXXX
Bank of America answered the above complaint and I disputed it. since then I have heard nothing from them. the case number is Case number : XXXX all material was submitted previously on above case number. I spoke to them previously and they said the case was closed. that is when I disputed. please refer to all information previously submitted.
I refinanced my car from the XXXX to Chase Auto in XXXX of 2016. I filled out all the documentation Chase requested and shipped off all the documents, around XXXX XXXX 2016 the car note appeared on my Chase account and I have been paying it there ever since. In XXXX, I received an Odometer statement that I put in an envelope and sent back to Chase. On XXXX XXXX, I was in a car accident and my car was deemed a total loss, I was in contact with both XXXX and Chase and while XXXX has been extremely helpful, Chase has not. XXXX provided me a settlement amount on XXXX XXXX and provided me a rental car for 10 days ( while they wait for some documentation from Chase ). It is XXXX/XXXX/2016, I am still waiting for Chase Auto to release my Title to XXXX so that the car can be paid off. I have been in contact with Chase constantly through this time trying to figure out what I can do to speed up the process and have not gotten anywhere. 
On my first contact they said the issue was my odometer statement never being received ( I faxed the document to them same day and nothing came of it ) on the second contact I was informed that Chase was waiting on the DMV to " perfect '' the title and to call back in a few days. When I called back I spoke with yet ANOTHER person who said that Chase never received a lien release from the Credit Union and I need to talk to the Credit Union and acquire this document as they can not get the Title without it. This went on and on, getting different information from each person I would get into contact with at Chase. 
I went to the Credit Union and they advised me that both the title and lien release were sent to Chase as soon as the refinance went through ( back in XXXX ). They provided me with another lien release and Chase informed me that I would need to take the document to the DMV ( JUST the lien release ) and they would update the Title. At this point my husband ran a VIN number check and saw that the Title was already in Chase 's name. He took this information to a Chase Branch and spoke with a banker who informed him that the refinance had never actually closed ( even though Chase added the balance to my account and I have been paying them all this time!! ) The refinance is open. Since XXXX 2016! They entered an escalation and stated that I should hear back within 3 days ( that was about XXXX ). 
I would like this matter to be resolved as soon as possible. I think someone at Chase dropped the ball during the refinance and I am having to pay for it. It 's getting to be more and more difficult getting to work without a vehicle, and taking an uber everywhere is getting expensive. I do n't think I can buy another vehicle with this one still on my account ( might increase DTI ), also I do n't want to risk having 2 car payments. XXXX is waiting on the Title in order to pay off the vehicle and it appears that Chase is unwilling to provide the document.
I am a victim of identity theft a victim of fraud my personal information has been sold to different individuals, and these individuals has used my personal information to obtain credit. under my name. I went to the police department to file a police reports concerning this matter. I was informed that someone fraudulent open up 12 cellphones XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, under my name and obtain credit to get the cellphones.I contact each vendor to let them know I'm a victim of identity theft and that my identity has been stolen. XXXX XXXX XXXX sent me a package to fill out and get notarize I completed the package and mailed it back to XXXX XXXX XXXX they deleted the fraudulent account but before during so they sent the account over to a collection agency and it keeps getting sent from collection agencies to collection agencies. I have the letter that XXXX XXXX XXXX stating they deleted the account but the collection agency is still reporting it on my credit report with XXXX XXXX, XXXX, and XXXX   this XXXX XXXX XXXX account needs to be deleted now. I have submitted the documents to the creditors showing them that it is fraud. I need this XXXX XXXX XXXX account off my credit report.